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- MexicoFoodFunding via VisionFund Mexico
Santillán G...MexicoAgricultureFunding via VisionFund Mexico
AraceliMexicoHousingFunding via Ecoblock International
Heliconias Group
Lidia is one of the group members. She's 31 years old and finished second semester of high school. She's married to Plutarco who works as a day laborer in the fields and she has a little girl.
Lidia is a very hardworking woman who relates that she rented a small locale 11 years ago and started selling vegetables. Little by little and with much effort she also started to sell a bit of clothes, cookies and gifts.
She relates that the business has grown based on effort and dedication she's put into it. She also tells us that she goes out to other communities to sell her wares in a pick-up truck and she sells quite a bit. She said: "There will always be work and I have more than enough desire to get ahead."
She will use the loan to buy flowers, bread, cookies, clothes (t-shirts, shorts, shirts and dresses), fruit, vegetables and soft-drinks. She hopes that with this investment her business will prosper so that she can give her daughter a better quality of life and in future she can attend university.
"Thank you very much"
The other group members are:
Carmen – clothing sales
Hilaria – clothing sales
Grisel – catalogue sales
Arisbeth – clothing sales
Rosa Imelda – clothing sales
Monica – beauty salon
Magdalena – taco stand
Xochil – stationery shop
Adilene – shoe store
La señora Lidia es uno D. los integrantes D. este grupo, ella tiene la edad D. 31 años, estudio hasta el segundo semestre D. preparatoria y esta casada con el señor Plutarco que trabaja en el campo como jornalero y tiene una pequeña hija.
Doña Lidia es una mujer muy trabajadora y platica que desD. hace mas D. 11 años rento un pequeño local en el cual inicio a vender verduras poco a poco y con mucho esfuerzo inicio a vender tambien un poco D. ropa galletas y regalos.
Ella platica que su negocio ha crecido a base del esfuerzo y empeño que ella ha puesto, tambien nos comenta que sale a vender sus productos a las comunidades en una camioneta y se venD. bastante. ella dijo: "Trabajo siempre va a haber y a mi me sobran ganas D. salir adelante"
Eela invertira su credito en la compra D. flor, pan, galletas, ropa(playeras, short, camisas, vestidos), frutas, verduras y refrescos.
Ella espera que con esta inversion su negocio prospere y asi pueda dar a su hija una mejor calidad D. vida y en un futuro pueda asistir a la universidad.
"muchas gracias"
los demas integrantes del grupo son:
Carmen venta D. ropa
Hilaria venta D. ropa
Grisel venta D. catalago
Arisbeth venta D. ropa
Rosa Imelda venta D. ropa
Monica estetica
Magdalena taqueria
Xichil Papeleria
Adilene zapateria
Additional Information
This is a Group Loan
In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.
Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.
About Mexico
43View loans »
Success!! The loan was 100% repaid
- Repayment Term
- 7 months (Additional Information)
- Repayment Schedule
- Monthly
- Pre-Disbursed:
- Oct 31, 2011
- Listed
- Nov 16, 2011
- Currency Exchange Loss:
- Possible
- Ended:
- Mar 15, 2012


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Hentai Picture: Pepper Potts is spilled giving Tony a blwojob… like we didn't know this before!
Clap eyes at how big Iron Man bits of muslins got blanketed in suggillations, tears, little tadpoles and are dragged everyhow of vicious buff-balls! Hot Pepper Potts flashing her nudity in front of cam and having some fun with a thick fuck toy. A few Iron Man heroes are way too frivolous with nudity and foreplay that is there just for a start, no need to tell what happens next…
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- jhorvin on Ironman Porn: "Armored ADventures" story

subset: commoncrawl


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Her hair is awsome
Girl's got style!
What are those poofy things on her skirt?
it's an underskirt poking through holes in her golden skirt (inspired by the sleeve on one of the movie posters)
This looks fantastic! I love what you did with her outfit, the colours, everything. I'm also excited to see you doing more of these.
I haven't seen it either, so no spoilers here. She looks a right rebel
I have no idea what her character is, so I put her in a sort of general (though slightly defiant) pose
you have no idea how happy I was to see art, and then see that it was Merida!! YAY!! Her hair is amazing!! It always is... but I love the plait!! Wowness.
the hair is the best! and fun to draw too. I'm happy you like it
Yay I love it when you do these!!


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Sea Escape in Camps Bay
Size80 m²
Floor No.0
- Family/child friendly
- Internet/WiFi
- Kitchen
- Pool
- Balcony/terrace
- Towels
- Washer/dryer
|Woodford Ave, 8040 Camps Bay, Cape Town, South Africa
|Property type
|Property ID
|Acceptance rate
|< 50%
|Response time
|A few hours
|Calendar updated
Styled in shades of white, this apartment is airy, clean and serene. White on white tones carried throughout the entire apartment compliment natural tones of grey and beige in scatter cushions and stylishly placed accessories.
The kitchen is sleek with off white travertine counter tops, built in appliances and ample storage space. The large kitchen cabinet with opaque glass sliding doors is a striking feature dividing the combined lounge and dining area from the kitchen.
The chic usage of organic and modern textures offers a unique combination of style. White leather couches, blond wood tables and chrome legged chairs are combined to make for the perfect cozy and warm living space.
The outside patio extends onto a neat, well maintained garden. Enjoy luxurious summer sunsets whilst relaxing on stylish patio furniture. Smooth pebble-paving add a luxurious and modern finish.
The bedrooms are neat, with plush linen and bright scatter cushions. Built in cupboards are finished off with modern, opaque glass sliding doors. This theme is carried out through all storage units in the apartment. Large mirrors are cleverly placed to give a greater sense of space.
The master bedroom opens up directly onto the garden. The en-suite bathroom runs along the length of the room, behind the built in cupboards. A spacious shower, modern fittings and a heated towel rail give this bathroom a neat and stylish finish.
The second bathroom has the added benefit of a bath for long luxurious moments spent relaxing on holiday. Fitted with an overhead shower and heated towel rails this space is equally as inviting and compliments the stylish trend throughout the apartment. Large sisal rugs on laminated floors add extra texture and style to the modern bedrooms.
This quaint apartment is on ground level and very close to the communal pool. Perfect for travelling couples, Sea Escape is guaranteed to delight the senses and provide the necessary haven for peace and relaxation.
Communal Garden Communal Large swimming pool Communal Braai/BBQ area
Daily Servicing:
Monday – Saturday except Public Holidays
Concierge Service
All taxes
All Linen and Towels
** Non Smoking Complex **
Guests require a credit card on arrival for a refundable breakage deposit
2gigs internet are provided in the rental - additional for guests account
|Check-in after
|Check-in before
|Check-out before
|Cancellation Policy
Wonderful Apartment, we had a 3 days stay and were amazed!! Popular and good environment; great contact to Karen (the response time was so short)! Thank you for this nice stay in a really luxury residential complex of South Africa. We will come back! :-)
Everything has worked out perfectly. The accommodation was as described and we have
felt very comfortable. The views of the beach was fantastic.
Alles hat wunderbar geklappt. Die Unterkunft war wie beschrieben und wir haben
uns sehr wohl gefühlt. Die Aussicht über den Strand war traumhaft.
Great apartment in a great location. The 5 stars are justified. Only the address overwhelmed an average Navi.
Tolle Wohnung an toller Lage. Die 5 Sterne sind gerechtfertigt. Einzig die Adresse überfordert ein durchschnittliches Navi.
- Quality assured accommodation
- Every host is verified by telephone
- Secure payment via SSL encryption


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Hello to all,
I have this problem from last two days. I have Hp computer with Windows 7 installed. When I open multiple window like Windows Live Mail, windows media player, Firefox browser or something else, all of a sudden all opened windows disappear and after some times like after 5 seconds all disappeared windows again reappear and started running. I don't know what happened to it. I don't know why open windows disappear for 5 seconds In windows 7. Please help me to fix this problem.


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Visit China's Tiger Leaping Gorge on a trip from Kunming.
Be challenged by this active trip through Yunnan province and the spectacular Tiger Leaping Gorge. This is one of Asia's finest geological wonders and hiking high above the Yangzi River is the best way to experience its awe. Snow-capped peaks, narrow winding trails and sublime views await those who make it to this part of China. Time spent in the chilled-out towns of Dali, Shaxi and Lijiang provide a relaxing contrast to the strenuous hike and a fantastic chance to meet the local people.
- Trek to the hillside monastery of Shibao Shan
- Explore China's countryside in Zhongdian
- Hike the stunning Tiger Leaping Gorge
- Bag a bargain in Kunming
- Relax in China's picturesque Dali
- Soak up the village atmosphere of Shaxi
- Stroll Lijiang's atmospheric old quarter
Day 1 Day 1 Kunming
Day 2-3 Days 2-3 Dali
Day 4-5 Days 4-5 Shaxi
Day 6-7 Days 6-7 Shangri-La (Zhongdian)
Day 8-9 Days 8-9 Tiger Leaping Gorge
Day 10-11 Days 10-11 Lijiang
Day 12-13 Days 12-13 Kunming
TransportBus, Minivan, Overnight sleeper train, Private Bus, Public bus, Taxi, Train
AccommodationGuesthouse (6 nights), Hostel (2 nights), Hotel (3 nights), Overnight sleeper train (1 night)
Included activities
- Informal Chinese language lesson
- Tiger Leaping Gorge - guided trek
There are currently no departures for this trip.
{{departure_day.departure_date | date:'EEE d MMM yyyy'}} Sale {{departure_day.departure_day_cheapest_price | noFractionCurrency:product.currency_symbol}} Fully booked Bookings closed
Style: {{departure.style}}
Total price per person {{room.room_type | lowercase}}
Includes {{departure.kitty_currency_code}} {{departure.kitty | noFractionCurrency:departure.kitty_currency_symbol}} kitty
Includes {{extra.extras_code}} {{extra.extras_symbol}}{{extra.extras_value}} in local payments Single supplement available from {{product.currency_code}} {{departure.single_supp | noFractionCurrency:product.currency_symbol}}
Contact us to arrange an alternative departure for you
For information about altitude sickness click here
Important notes
2. A Single Supplement is available on this trip. Please see trip notes for further details
Trip notes
Want an in-depth insight into this trip? Your trip notes provide a detailed itinerary, visa info, how to get to your hotel, what's included - pretty much everything you need to know about this adventure and more.View trip notes
Our Tiger Leaping Gorge trips score an average of 4.89 out of 5 based on 28 reviews in the last year.
Tiger Leaping Gorge , October 2015
Gary Martin
Excellent trip in a beautiful and friendly part of the world. Great to see the locals farming the land against impressive landscapes. The day trip in Dali on bikes and Tiger Leaping Gorge along with amazing food were the highlights. Jane the guide was excellent.
Review submitted 09 Nov 2015
Tiger Leaping Gorge , October 2015
David Fisher
Tiger leaping gorge is a special place, as is Yunnan province in China. The opportunity to meet some of the ethnic minorities is an important part of this trip.
Review submitted 28 Oct 2015


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Is Tyrann Mathieu's career over?
October 26, 2012
Tyrann Mathieu looked as if he was on the right track to getting back on the football field, but a recent arrest on a marijuana possession charge has put that in doubt. Mathieu already is missing his entire junior year, and it was a bit of a long shot for him to play again for LSU even before the arrest. Now he'll have to overcome questions surrounding his commitment to the game and his level of discipline if he wants to play at any college, much less in the NFL.
A future in college?
An NFL team might take a chance on Mathieu, but his chances of playing big-time college football again seem dim.
- TigerFan426: "Pretty safe to say that regardless of what Mathieu's chances to rejoin the team next season used to be, he'll never play for LSU again. Sad to see someone with so much talent throw it all away"
- Water go down the hole: "Were NFL teams seriously looking at this kid? He is mediocre at best. The catchy nickname was not going to help him on the field."
- kuhba: "this guy will get a shot at the nfl hands down, its all about winning. Pacman jones is still in the league. He'll get a shot it's up to him what he does with it."
- gSalcondo: "He was shut down by Bama as a cornerback. He might have a position as a returner but not much more."
- Ethan7832: "I have no doubt that if he's good enough, Mathieu will play in the NFL. Coaches don't want you going and getting high when you're not with the team, but if you score TD's and make big plays like this kid does theres a spot on a roster for you somewhere"
Join the conversation or respond by signing in or creating a profile and blogging.


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Some guys have all the fun! Enjoy!!
Some guys have all the fun! Enjoy!!
Diamond Lake for rainbow trout. Small treble hook, 3 feet of leader, swivel, small sliding egg sinker. Use rainbow floating Power Bait. It is usually easy fishing for fat fish. They have boat rentals.
It is on your way to Crater Lake, a national park.
Woodburn dragstrip possibly. Not too far from you! Possibly the speed boats just south of Albany.
Must have found something to do. I hope your having a great time in Oregon.
Went to Rockaway beach, hit the cheese factory, the jerky store, went to some waterfalls, and then into Vancouver Washington for dinner. Drove what seemed like 7 hours yesterday. Today we are just hanging out at the farm picking blueberries. Had 2 nice whitetail bucks in the driveway this morning. Going to get up early tomorrow and see if I can get some pics of them. Thanks for all of the suggestions. The wife wants to head towards California tomorrow, then on to Nevada. Oregon is a beautiful place!
Sent from my iPhone using Tapatalk
Shoot STR8
Here are some places you will be near (in order):
Northern Roseburg just barely to the East of where I-5 crosses the North Umpqua is a fish ladder at the dam. If you take the short hike down, you will have glass windows and can see the salmon and steelhead that are headed up river.
Also in Roseburg, Sherms Market sells huge cheap hand dipped Umpqua Ice Cream cones. Very good ice cream.
Kaleidoscope Pizza in Medford is amazing (best rated restaurant in Medford, second best pizza I've eaten). Very close to there is the hub of where the welded aluminum boat manufacturers build their boats. These are the river and ocean boats used all over the NW. Willie, Boulton and Rogue Boats is right there. Also close by is a Sportsman's Warehouse with the NW flare.
The jet boats at Gold Beach Oregon are amazing, but a bit spendy, like $120 per person and include a nice meal. I believe there is also a jet boat ride (Hellgate Jetboat Excursions) that is closer to Grants Pass but I have never gone in to the Rogue River from the east side. If you go on either trip, MAKE SURE you are on a trip that runs the whitewater, cause that is what makes it fun. Very memorable.
Northern California, nearer to the coast has the redwoods. Amazing place to see. Jedediah Smith is some of the best.
Several Eastman's guys are from Reno. Lake Tahoe is near Reno.
In Nevada there are several Basque restaurants, kinda famous in the area.
Last edited by Umpqua Hunter; 07-09-2014 at 02:28 PM.
Another option is to turn east on Highway 138 in Roseburg and head up the North Umpqua (where I live). I think this may be the most scenic area in Oregon.
Fuel up in Roseburg or Glide!!
At around Mile 16 or 17 is Colliding Rivers, one of the only places in the world that two rivers collide head on. Most dramatic in the winter though.
Around milepost 18 is Munchies, a small town place for a good burger and fries.
For the next 30 miles or so the highway runs along the North Umpqua River, gorgeous country. You will likely see people fishing for salmon and steelhead.
At milepost 38 is Steamboat Inn. They have some high end cottages on the North Umpqua. This is where author Zane Grey hung out. This is a famous steelhead fly fishing spot.
Around milepost 78 is Diamond Lake, excellent lake for easy trout fishing. There are cabins and camping there.
Past that is Crater Lake National Park. A huge lodge is there. Gorgeous scenery.
We like to head on over to Silver Lake to Cowboys Dinner Tree. They serve dinner I believe Thursdays through Sundays only. You have to have reservations. Cool spot in the middle of nowhere.
Stay at Summer Lake Hot Springs in a cabin (with kitchen) or camp or RV hookups. Soak in the hot springs. Make sure you buy your groceries like in Roseburg, because you are in the middle of nowhere.
From there head down towards Lakeview. From there down to Susanville or over to Winnemucca.
Last edited by Umpqua Hunter; 07-09-2014 at 01:44 PM.
Dang UH, I wanna go on a road trip now!
Umpqua thank you so much for the info people like you are what make this forum one of the best.
Sent from my iPhone using Tapatalk
Shoot STR8


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When Iceland rewrote its constitution, the government moved into new cyberspace territory: It asked for online comment on proposed changes.
That effort last year put the island nation into the cyberspace crowdsourcing limelight.
Iceland is ideal for pioneering tech efforts such as seeking online input for something as crucial as a new constitution, says Reykjavik Web developer Finnur Magnusson, the technical manager of the online constitutional rewrite project.
"It's a brilliant test bed to try out ideas like this," Magnusson said.
There's a high rate of computer literacy and broadband connection among the country's 320,000 citizens, Magnusson says.
Research done by the 34-nation Organisation for Economic Co-operation and Development backs his claims.
Attitude may play a part, too.
"We're slightly computer crazy," Magnusson said. "We quickly adopt new technology here in Iceland."
Crowdsourcing — asking a group of people to contribute information to answer a question or solve a problem — is done worldwide, but has been made much easier by the Internet.
Still, the Icelandic government seeking online input on a new constitution is a first.
Iceland adopted its constitution in 1944, when it gained independence from Denmark, by simply translating the existing constitution from Danish to Icelandic. The move to write its own constitution had been in the works basically ever since then, Magnusson says.
3,000 Residents Participated
Roughly 3,000 Icelanders took part in 3,600 online conversation threads about the new constitution on a government site and through social media such as Facebook (FB) and Twitter.
The government site attracted some 14,000 unique visitors in August, the last month it accepted comments, Magnusson says.
Some of the suggestions indeed made it into the document, which awaits approval in the Althing, the Icelandic parliament.
"We engaged with a significant portion of the nation," Magnusson said. "There were a lot of changes proposed and accepted."
The undertaking was run almost like a startup, he says.
"We were creating new ideas and finding new ways to work almost every day," he said.
The project came in on time and under budget.
Iceland isn't the only Nordic nation using Internet technology to make it easier and more efficient for citizens to participate in government.
Finland this year began allowing its 5.3 million population to make online suggestions for changes to the country's laws.
The larger picture is how the Internet can be a catalyst for certain democratic processes, says Joonas Pekkanen, a Helsinki-based startup veteran.
Pekkanen founded the Open Ministry nonprofit, which provides the open-source Web platform for the law-writing effort.
Finland — home to telecom giant Nokia (NOK) and Rovio Entertainment, maker of the popular video game "Angry Birds" — also gave the world open-source software Linux, Pekkanen points out.
"In my estimation, (the law-writing) is another Finnish open-source success story," Pekkanen said.
There's something bigger going on, he says.
"It's not a technological exercise as such," Pekkanen said. "It's about finding out which kind of democratic methods work."
Technical Questions Remain
The project is in its early stage, Pekkanen says, and not all technical questions have been answered. But he's confident it will work.
As is the case in Iceland, Finns are well-educated, and its urban Internet penetration is almost universal, he says.
The move into cyberspace citizen engagement is tied to the government's landmark move to allow citizen bill proposals in any form, online or offline, says Stanford University researcher Tanja Aitamurto.
A native of Lapland, Finland, Aitamurto is a doctoral candidate at Stanford's Liberation Technology Program, which looks at tech's effects on civic participation.
Iceland is leading the way in government use of crowdsourcing for legal reform, Aitamurto says.
"The whole world is following what's happening in Iceland," she said.
Forms of government cyberspace crowdsourcing exist elsewhere, including the U.S., Aitamurto points out.
U.S. government agencies — including the Environmental Protection Agency, the Federal Emergency Management Agency and the General Services Administration — provide online avenues for citizen involvement, she says.
"These federal agencies have created online spaces where people can participate in strategy planning," Aitamurto said. "They suggest ideas, comment on other peoples' ideas, and vote on ideas."
There's no real way to measure online crowdsourcing participation, Aitamurto says. But governments that use crowdsourcing to encourage civic participation are moving in an important direction, she says.
"From the lessons learned so far, every step that lowers the bar for citizens to participate is a good step," Aitamurto said.
Crowdsourcing provides an online space for public dialogue, she said, and "takes us closer to the ideals of democracy."


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Snoopy and Charlie Brown: The Peanuts Movie | An entertaining showcase for Charles Schultz's Peanuts gangSubmitted by Jason Best on Sunday 29 May 2016
Given the inherent challenge of translating a newspaper comic strip into computer animation, this gently nostalgic movie does a fair job of putting Charles Schultz's Peanuts gang on screen.
Snoopy and Charlie Brown: The Peanuts Movie can't capture all the wit and charm of the original, of course, but it does provide an entertaining showcase for the cartoonist's beloved characters and does convey some of the strip's wry melancholy.
Happily, the film doesn't tinker with its source. Ever-anxious Charlie Brown still yearns for the Little Red Haired Girl and still comes a cropper whenever he tries to kick...


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Before beginning, I check at make certain I have all the necessary ingredients available. The ingredients consist of vanilla wafers, bananas, milk, vanilla pudding, and whip cream. The amounts of each used will vary depending on the number of people being served. No particular brand is required. Store brands are more economical than name brands, and do not necessarily sacrifice flavor.
First, cut up about three bananas in round pieces. Here again, I say three but it really depends on the size of the banana pudding. When purchasing the bananas, the best ones to choose are the ones that are yellow and firm without brown spots.
Then, start the process of layering the banana pudding. One layer of vanilla wafers forms the base of the banana pudding. I prefer to place my wafers with the flat side up. Then place a layer of bananas on top of the wafers. Continue this process until the desired amount of wafers and bananas have been used. On the top layer I choose to place my vanilla wafers flat side down.
Next, combine one large box of pudding mix with the three cups of cold milk. Be certain your layers are completed before mixing your pudding due to stiffening of mix when left sitting over a period of time. The amount of milk depends on the amount of pudding being used. The rule to this is for every small box of pudding mix, use one cup of milk. Mix the pudding until it is completely smooth. Pour the pudding evenly over the bananas and wafers.
Finally, spread cool whip over the banana pudding. Using the leftover vanilla wafers, crumble up into small pieces to sprinkle over the entire banana pudding. Place the banana pudding in the refrigerator for one hour or until ready to serve.
Banana puddings are not that hard to make. A person could...


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: Black hack:
Pokémon Trial Black (Pokémon Black Hack)
View Single Post
August 15th, 2012 (9:00 AM). Edited November 12th, 2012 by Mochorro.
Join Date: Nov 2011
Location: Spain
Age: 21
Gender: Male
Nature: Adamant
Posts: 227
Ok, I am posting to say that soon there will be a new update! It will go up to the Driftveil Gym, meaning you can do everything up to the entrance of Chargestone Cave, and a few more things have been edited as well, for example, the first leaders won't use the monkeys (I don't like them, sorry for those who do), but a different not fully evolved Pokémon. I have to edit a few things, and when I have them, I'll post the new version here. Sorry if this is running slowly, as I am writing the moveset edits I'd like to implement in the game in a text document, and after I have them, I'll put them in the game, but 649 Pokémon means that is slow (now I am in Clefairy's line: #35...)
Also, If someone tries or has tried the game, please, tell me if the levels are right or not, or if it is too easy or too difficult in some parts. I need information, as it is my very first hack, and I don't know if I am doing things properly...
There is something else. When I finish this, I plan to release a White version of the hack. It will have different starters (Cyndaquil, Mudkip, and Turtwig), and a few changes.
A challenging Pokémon Black hack!
Hacks I support:
Pokémon Victory Fire
Pokémon Snakewood
Pokémon Dark Energy
Pokémon Adventure: Red Story
Pokémon Adventure: Green Chapter
Pokémon RD LoG
, and
Pokémon Resolute Version
View Public Profile
Send a private message to Mochorro
Find all posts by Mochorro
Find threads started by Mochorro


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In fact, it IS my money. I receive compensation from the listing broker if and when I bring a buyer who is ready willing and able to purchase the home. The listing broker is paid by the seller based on a listing contract between the listing broker and the seller. I am paid by the listing broker.
There were also alot of mortgage brokers, some not so nice, in fact it seemed like there were as many mortgage brokers as there were REALTOR's before the YSP scam was revealed. Given your current business practices I'll be willing to bet that you took advantage of many borrowers and never explained that they could have gotten a lower rate if you did not take the yield spread premium (YSP) from the lender and just settled on the par rate (the lowest rate not rquiring any discount points).
Now that the YSP is gone you have moved on to offering up other peoples money to entice borrowers instead of making a commitment to close on time with the least amount of stress. 99% of all missed closings are due to lender related issues. Since you are offering other peoples money you are dependant on other people to agree to your terms. I mentioned earlier that this could be unethical based on the Florida Association of Mortgage Brokers Code Of Ethics and Standards of Professional Practice:
"The Mortgage Professional shall not offer or advertise terms or conditions that are not available". Are you prepared to pay the REALTOR credit you advertise if you don't get a REALTOR to agree?
I made a comparison earlier about the difference in time spent servicing customers. I will make a very conservative estimate here and say that a REALTOR spends five times as many hours per transaction than a mortgage broker does. Remember, I did both so I know what I'm talking about here. We won't even talk about the driving and working weekends and evenings. (Try to find a mortgage broker in his comfy office on weekends.)
Below is the fee structure for just the origination fee charged by the mortgage broker. Not addressed here are all the other lender junk fees, doc prep, processing, underwriting, etc. Bear in mind, this origination fee is money paid directly from the buyer to the mortgage broker. No mortgage broker, no origination fee.
Loan amounts:
$100,000 @ 1% = $1,000 - A reasonable amount in most cases.
$200,000 @ 1% = $2,000 - Mind Boggling from here down!
$300,000 @ 1% = $3,000
$400,000 @ 1% = $4,000
$500,000 @ 1% = $5,000
$600,000 @ 1% = $6,000
$700,000 @ 1% = $7,000
$800,000 @ 1% = $8,000
$900,000 @ 1% = $9,000
$1,000,000@1%= $10,000
Remember the 5 :1 ratio time comparison from above. If a REALTOR providing full service expends 50 hours in a transaction and earns a 3% percent commission on a $400k sale the fee received would be $12,000 or $240 per hour. If a mortgage broker expended 10 hours (much less most of the time) and charged a 1% origination fee on a $320,000 loan (80% LTV) that broker would receive compensation at an hourly rate of $320. Now that same broker wants to offer 66% of the REALTOR's commission to the buyer which reduces the hourly rate to $79.20. Now who appears to be overpaid?
Your attempts to diminish the value of a professional full service REALTOR ring hollow when the facts are brought out in the open. If all REALTORs did was open doors for buyers then there would be no need for licensure. Most people are not aware of the fact there are two levels of licensure for real estate. "Sales associate" and "Broker". A sales associate cannot operate without the supervision of a Broker. In other words a sales associate cannot open their own brokerage firm. Mortgage brokers on the other hand require only one license. Which profession receives more training? Which profession has fewer bars to entry?
By the way. The MLS is not a free public service. It is a service that is paid for by the members of local REALTOR associations.. The listings and data in it are obtained through the hard work of the REALTOR's who posted them. Guess what. No REALTOR's no MLS. The MLS is available to other websites by an internet data exchange agreement (IDX) because the REALTOR community is very cooperative by nature and wants to give their listings maximum exposure to the widest group of potential buyers. There are many web sites such as REALTOR.com, Zillow, etc. that would not exist without the MLS. Even appraisers rely on the MLS to do their jobs. Do not forget how vital REALTOR's are to the very survival of so many other affiliated businesses.
I think I have made my postion very clear.
1. How much does Steve charge his borrowers for his service?
2. How much of his fee does he rebate to his borrowers?
3. Did he ever sell a loan at a higher rate in order to receive added profits from lender paid YSP in addition to his origination fee?
Failure to answer any of these questions is an indication that the answers would not portary Steve as the borrowers friend he claims to be.
Steve pointed out that no other mortgage broker wanted to end this debate. I would point out that no other mortgage broker is participating in the debate or offering up other peoples money as part of his own marketing plan. Steve has chosen to pursue a confrontational relationship with the REALTOR community out of spite and a desire for revenge. You see Steve allegedly lost some customers in the past because a REALTOR stole his customer from him and persuaded the customer to use another preferred lender. Apparently Steve has not been able to instill a sense of loyalty among his customers. If he had, his customers would not be so easily stolen from him.
In Steve's own words: "Yes, a lot of this has come from being the victim of RELENTLESS coercion and steering tactics by realtors over the years who have, in my personal opinion, taken money from my family!" You see, poor Steve is a "Victim".
Now Steve is out to reach into the pockets of REALTOR's and take money from their families under the guise of helping consumers. Steve claims that REALTOR's call him and ask for referrals. If Steve were to get a real estate license, like so many other mortgage brokers have, he could receive a referral fee for those referrals. Then Steve could offer that referral fee as an inducement to use his mortgage broker services. I don't think any REALTOR who has responded in this post would object to such an arrangement. I for one am happy to pay a referral fee to any licensee who I close a transaction with. But wait. That would mean Steve would have to be generous with his own money. We've seen no evidence that he would be so generous.
"How many realtors feel it's almost their duty to try and create doubt and discontent between a Mortgage Broker and their borrower who they've been working with for 10 mo., only to have a new realtor try to steer their client to their "Preferred Lender†or "In-House Lender?†"
So now Steve is out for revenge by trying to steer his borrowers to his preferred REALTORs willing to forfeit part of their commission to offset his fees. This is why REALTOR's began using Buyer Borker Agreements to prevent the Steve's of the world from creating doubt in the minds of their buyers and enticing them to ditch their REALTOR in favor of someone who must buy customers from him.
However, trying to make consumers believe the World is Flat my work on most consumers, but no matter how you slice or dice Realtor Rebates, it's a MASSIVE savings for consumers!
The same is true for real estate agents. Only the problems associated with low pay and high volume are even more pronounced. This is because the time required to properly service a buyer is far greater for a REALTOR than a mortgage broker. A REALTOR spends many hours working with a buyer before entering into a contract and then spends many more hours coordinating the transaction through the time of closing. A mortgage originator has the borrower do most of the work. The borrower is given a list of documents to collect and asked to fill out a uniform residential loan app (1003). The originator pulls credit, matches the applicant with a loan program and then passes the file off to a processor (who charges a processing fee to the borrow). Easy stuff. A couple of hours on most loans. If you were to calculate compensation based on an hourly rate you will see that mortgage originators are paid much more per hour than a REALTOR. I should know, as a licensed mortgage broker and real estate broker I did both for years. I stopped orignating loans a few years ago when the company I hung my license with went under along with so many others.
It is not my intent to demonize mortgage originators. However I have never implemented a marketing campaign offering to steer my customers to a mortgage originator who will give a credit to help pay my commission. I earn my business by providing superior customer service, not by offering up a portion of another persons income. If a mortgage broker tells you to ask your REALTOR for a "REALTOR credit" to pay his fees I strongly suggest you find another mortgage broker.
Years ago I saw how much money I was giving up by referring my buyers to mortgage brokers. Instead of asking them to share their income with my buyers I got a mortgage brokers license and began originating loans without YSP's. This allowed me to offer lower rates than most. A real competitive edge. I was amazed at how easy it was. Yes I did earn an origination fee on the loans I originated. I was also in complete control of the transaction. I never used a processor. When YSP's went away that competitive edge was gone and the Mortgage Brokerage went out of business. I decided not to continue originating loans. Never in my wildest dreams did I ever think that I should benefit from the work of others or offer a portion of someone elses money as an inducement to do business with me.
The business I refer to my mortgage professionals is done so with only one stipulation. That they do the best job they can. My income is up to me and not dependent on me offering anyone elses money to my clients. It sounds as if that is a completely foreign concept to some mortgage brokers.
In response to Jing's question. Jing is not the buyer, Jing is bird-dogging for a "couple Investors". An Important question to you may be do Jing's investors need a loan product or like many investors, are they paying cash?
Or is this just all a question to get Steve's Realtor Rebate discussion going?
Jing, bottom line is, in real estate, like most things in life, everything is negotiable. With patience, you will find the right people to work with and have a successful team.
Unlike the yield spread premium (YSP) a mortgage broker is paid at closing. You see if the mortgage broker sells you a loan at, lets say 5%, and receives a YSP you could have received a lower rate on that loan. The amount of YSP is determined by how much higher the rate is on the loan you are sold. If the Par rate was 4.75% then the YSP will be based on the extra .25% the mortgage broker added to your rate. This amount IS known by the mortgage broker at the time your loan is originated which is why it is disclosed on the settlement statement (HUD-1). Since the YSP was seldom disclosed at the time of application and is not a direct charge to the borrower it often went unnoticed by the borrower. Most borrowers did not even care since it did not add to their closing costs. It was just one of those mysterious numbers on the hud that was often glossed over or never mentioned at all. Many mortgage brokers were luring borrowers with the promise of lower closing costs or lower origination fees and then charging a higher rate and making up for those reductions with the YSP paid by the lender. The borrower paid lower closing costs but ending up with a higher interest rate.
Most mortgage brokers do not loan their own money. They meerly match up a borrower with a lender/investor that has money to loan. If you eliminate the middle man (mortgage broker) then you can eliminate the cost associated with that middle man. I suggest that anyone considering using the services of a mortgage broker check this article http://www.mortgage101.com/article/disadvantages-using-mortg posted on the Mortgage 101 website. Mortgage 101 is a consumer mortgage education website where you receiev unbiased information related to consumer loans and mortgages. The link Steve posted below is an article written by Steve to benefit Steve and mortgae brokers in general. It is understandable that mortgae brokers like Steve harbor a certain amount of animosity towards banks since they can make loans without him rendering the mortgage broker obsolete and unnecessary. Obviously Steve will try to convince you that somehow he can offer you a lower rate on money loaned by those same lenders. For that service you will be charged a fee. Hey, Steve has to eat too right.
Steve and other mortgage brokers claim to have access to a wider range of loan products and can save you from driving around town going from one bank to another shopping for the best rate. That may have been true before loans from lenders all across the country became available on line. Now you can even save yourself a trip to your mortgage brokers office by visitng web sites like Lending Tree http://www.lendingtree.com/mortgage-rates/ and have access to loan products from lenders in the lending tree network of lenders. The advent of the interent is probably the single largest factor contributing to the great reduction in the number of mortgage brokers causing them to seek new careers in related industries such as becoming real estate agents.
Oh, did I mention that no mortgage broker = no origination fee?
I mean, you do know what this is don't you?
SRP- please, the floor is all yours to educate us...
I have to think that having such animosity toward the REALTOR community has put you in the .01 % of mortgage brokers who don't receive referrals based on your ability to close loans. It is true that I have "preferred lenders" that I have a good professional relationship with and happily refer people to them. I do so clearly stating that they may not be the cheapest but they are true professionals and will provide great service. Being able to close on time and keeping my buyers happy is important and has value. The mortgage pro's I work with would never suggest trying to recover loan related expenses from me or any other REALTOR.
That's what I have to say.
Steve, "Do you rebate according to that schedule?" We want to know so we can send you more business. ;)
Here is how the schedule you published SHOULD READ but you left out your participation"
$150,000 sales price = $2,000 rebate to buyer +
$2,000 Steve the Broker rebate = $4,000
200,000 = $3,000 rebate to buyer +
$3,000 Steve the Broker rebate = $6,000
300,000 = $5,000 rebate to buyer +
$5,000 Steve the Broker rebate = $10,000
400,000 = $8,000 rebate to buyer +
$8,000 Steve the Broker rebate = $16,000
500,000 = $10,000 rebate to buyer +
$10,000, Steve the Broker Rebate, - $20,000. wow!!
$20,000!! Now that will buy some carpet! So Steve are you 'IN" or simply misdirecting the attention of the reader AWAY from lender practices?
There's not a professional experienced agent working who would rebate any of the commission to you, as they have no reason. The best agents are busy and the rest will do anything for business. Consumers like you limit yourselves to working with agents who haven't figured out what their doing and have nothing else to offer a client except a discounted rate.
Best of luck to you.
And, he never said he wanted a 50% rebate - just asked if someone was willing to rebate "part" of the commission.
Jing -yes, - there may be agents out there willing to offer you a rebate - especially if you're buying multiple properties ......(and, of course, as long as it is legal in Fl).
Maybe some will come along and share their business plan.
Not sure what your price range is.............but, for example, if it's in the $100,000 ish range, you're probably only talking about a few hundred dollars for the rebate you want.....nothing life changing
So - just make sure getting a rebate won't take away from the level of representation you will be receiving.
Best wishes..........
Can we work a deal where you do your work, and I get half of YOUR pay?
Why do you think you should be entitled to half of my pay?
No need to announce it on a trulia Q&A thread!
Yeah, well - you didn't put any effort into looking behind the numbers.
I strongly disagree. Always use a Buyer's Agent and here's why...
Dealing only with the Listing Agent in hopes of getting a better deal?
Not a good strategy, because if the listing agent is getting the whole 6%, they'll actually work harder to make you pay the highest price for their Seller in effort to justify such an massive equity grab!
Dealing only with the Listing Agent and asking them to lower the price 3% they would have had to share with a Buyer's Agent?
This causes the Listing Agent to catch an immediate attitude! Yes, you can possibly fight with them over the 3%, but you take your eye off the much bigger prize and that's getting the home for much less by using a Buyer's Agent! A lower price on the home that using your own Buyer's Agent could Dwarf the smaller amount obtained fighting with the Listing agent.
The Listing Agent/Seller's Agent is just that, the Seller's Agent. They watch out for the Seller's interests in the purchase. For a buyer to believe they can get a better overall price by dealing directly with the Seller's Agent is misconception.
Also, what when issues arise after they have your deposit? It's then the Seller, the Seller's Agent and the Seller's Title Agent ALL against the buyer! That's a pretty strong Trifecta / team to battle should any issues arise!
Oh My Gosh!
Now this is the type of Realtor I would consider using if I were a buyer or would feel good about referring a family member to!
Beverly Howe, you seem to be a true Professional!
Well said! :)
Hey Steve, again, what exactly does your product and your $500k cut and paste example have to do with or can benefit old Jing and his investors?
Is this product for investors?
Are many investors buying $500k properties?
How many "agents in your realtor network" are willing to take that cut on the $30k-70k houses that investors in Jax are buying?
Example: A buyer is reloacting to Jacksonville from Clearwater. She meets Steve at a neighborhood event and mentions her plans. Steve says that he knows a great REALTOR in Jacksonville that he can refer her to. Steve says that he can originate loans all over Florida and can get her the best deal on her purchase of a $500,000 home. She agrees and is thrilled that she won't have to deal with anyone she does not know.
Steve sends me a referral form and I agree to pay him a 30% referral fee which he said would go back to the buyer in the form of a REALTOR credit.
Steve also offered to reduce his brokerage fee by .5% on a $400,000 loan.
3% REALTOR commission = $15,000
REALTOR credit from Steve's 30% referral fee = $4,500
.5% reduction in Steve's origination fee = $2,000
Total benefit to buyer = $6,500
While this may be $3,500 less than Steve is offering in his scenario below this example is far more like to become reality and the buyer is more likely to receive the full service they deserve from their REALTOR. Plus this is Steve offering his own money and not someone elses. A noble and generous act. This scenario would also get Steve referrals from his REALTOR associates who will remember the referral and respond in kind. This concept, while not new, has not occurred to Steve because he has chosen to alienate the REALTOR community in his quest for vengeance and retribution.
Please don't view this referral concept as a mortgage brokers nightmare! Rather Embrace Realtor Referrals and view it as a chance to team up with Real Estate Brokers for "their†Buyer Referrals and help the consumer obtain the real deal!
But of course that deal has nothing to do with Jing's question. As, again, Jing likely isn't looking at a $500k investment property and likely doesn't need a lender. But alas...
And after re-reading it, it might appear as Jing is looking to get paid for his bird dogging services from the RE Broker, which may come close to practicing RE without a license. Be careful Jing.
Again, I don't think that will slow Steve down, but hey...
Lucien Vaillancourt, Broker, Jacksonville, FL Since Steve continues to parade this notion of "Forfeited Equity" here is a question for him. How much equity exists in a short sale? Let me answer. NONE! Do REALTOR's still get paid for selling short sales? Let me answer again. YES! But how can that be you ask? If a REALTOR's fee comes from the equity taken from the buyer and there is no equity to take? Simple. The brokerage fee is paid for a service performed and not dependent on the presence of equity. Next Steve will try to convince you that the short sale lender will sell you the home for less if you don't use a REALTOR. Lets nip that in the bud right now. If a seller decides to short sell their home the lender will REQUIRE them to list their home with a REALTOR. You see those greedy banks have come to recognize that they will benefit monitarily by using the services of a prefessional REALTOR. Banks do not believe the myth of forfeited equity, a term which does not exist in the financial industry vernacular.
The term "Forfeited Equity" is a Steveism created to convince buyers that they are victims being ripped off by REALTOR's taking money that rightfully belongs to them. Steve then comes swooping into the picture like mighty mouse with his cape flapping in the breeze ready to shakedown those greedy REALTOR's and get them to turn over their unjust profits. In an earlier post I exposed Steve's true motivation for this.
I made this point earlier but I feel it is worth repeating. What if Steve were to get a real estate license. He could be paid a referral fee and turn over that money to his borrowers. He would achieve his goal of reducing the money earned by the REALTOR and provide a REALTOR credit to the borrower.
1. How much does Steve charge his borrowers for his service?
2. How much of his fee does he rebate to his borrowers?
3. Did he ever sell a loan at a higher rate in order to receive added profits from lender paid YSP in addition to his origination fee?
Although you completely avoided my comment and question regarding the fact that Jing's buyers, in all likelihood don't need the services of a mortgage broker or your product, I will answer your question of "not one realtor has responded offering to help this consumer Jing with a realtor rebate. Why is this??"...It's because, as I stated earlier, JIng doesn't need a Buyers Agent, if Jing knows the area, is doing the research and is formulating the offers for his/her Investors (keep in mind Jing here is not a buyer but a middleman) if Jing and his/her investors are experienced and are buying good investment properties, they can make their offers what they need to be and skip the step of a buyers agent rebate. Do you think someone thats selling an investment property wont figure out how to get the deal done with and offer of 50k and 2 agents involved or 48.5k and one agent involved.
This is why the RE agents here keep inferring that you actually started this thread to pump your product.
I for one don't think that is what happened here, you clearly have your stuff together wouldn't have such a flaw in a "posed" question.
Thank you for your Comment Sir.
If you'll scroll down to all the posts on this thread, not one realtor has responded offering to help this consumer Jing with a realtor rebate. Why is this?? Can't even one realtor see the advantages of offering him something?
Yet, there seems to be a pile on against the poor Mortgage Broker who speaks up to assist the consumer in locating a realtor who offers realtor rebate savings.
Please don't take this wrong, but why is this when a simple Google search of FLORIDA REALTOR REBATES show About 3,730,000 results (0.45 seconds)
Your comments are welcomed.
Unfortunately, the "flag" button is NOT working on trulia these days (I just reported that), otherwise this forum, imo, could be flagged for being off topic (way off topic, or inapporpriate, as it has been hijacked and become the "Steve Show" and has also become tedious and, imo, obnoxious.
This isna't a lecture hall, it's a Q&A section, and responses should pertain to the QUESTION posted, not promote a personal agenda.
If people, as per Steve, are clamoring for Steve's advce, he can try writing a blog.
(And Steve, just a suggestion - lose the Ma'am" - it's really disingenuous and condenscending)
However, I agree with you that if an agent has enough ability, they won't have to discount their services quite as often.
The adage shouldn't be, "You get what you pay for;" it should be, "You can't help to get MORE than you pay for." Don't expect prime beef from Mickey Dees.
One. The "average" REALTOR does not participate in enough transactions to maintain a high level of competence. Those REALTOR's will certainly be the ones jumping at the opportunity to give away their money for the chance at getting a few bucks. Is this the REALTOR you would want working to get the best value from your transaction. Not to mention the fact that an $18,000 annual income certainly means that they are part timers with another source of income.
Two. REALTOR's are not the group of wealthy evil greedy rich people taking "MASSIVE forfeited equity" from american consumers as mortgage broker Steve would have you believe.
You see, mortgage broker Steve is like the Obama administration attempting to use wealth envy to generate ill feelings toward the REALTOR community. The truth does'nt matter. It's the perception he is trying to create. Steve then claims he does'nt understand why "realtors have such an issue with only ONE Florida Mortgage Broker offering to help buyers save thru REALTOR REBATES?" Really? That's what I call oblivious.
Now in contrast a wholesale lenders rate sheet (tables of interest rates and points) is certainly a menu. Only this rate sheet is not freely shared with borrowers on line or by most mortgage brokers. Borrowers seldom see them. Keeping such critical information under wraps gives the mortgage broker a negotiating advantage. Admittedly rate sheets are quite complicated and mortgage brokers don't want to take the time required to explain them. You will just have to trust that your mortgage broker is getting you the best rate possible with the lowest fees.
If a real, experienced investor wants to do his own research, find his own properties, structure his own deal etc...then he doesn't need a buyers agent at a discounted rate. He doesn't need a buyers agent at all. An experienced investor such as this makes his best offer taking into account the seller knows his agent will get both sides, takes into account that its likely an easy close and cash offer with little to no contingencies. Thus any reasonable seller and listing agent will likely strongly consider a very low cash offer and will likely reduce the listing agents commission to make the deal work. In other words a seasoned investor doesn't need this gimmicky rebate system. A seller knows what the will accept and the investor knows what hes willing to pay. That said I would not recommend working with anyone similar to this mortgage broker just from the impression he is making here. Unprofessional to say the least. And the part thats being missed by the mortgage broker is investors, like the person who posed the question, are paying in cash in larger numbers than ever.
Now on the selling side for investors, I have 2 solid investors that I list properties for a big discount. Listing for quality investors is very easy, they typically are priced right, they know what they are doing and require no hand holding.
But popping up on the internet asking for a buyers agent to give you a big discount for promised volume is just...well...not very likely to happen.
I agree, we Realtors should be flexible. My idea is to have a sliding scale for an investor. No discount the first time for the guy who says "i'm going to buy a bunch of properties." See if he is serious. If so, discount the second one a little, the third one a little more, and so on. That's a win-win, and it keeps buyers honest and gets rid of the tire-kickers and the time wasters. Incidentally, I chage a $1000 retainer for all investors.
Item 801: Origination charge $60.00
Item 802: Points charged for the specific interest rate chosen $0.00
Item 803: Your adjusted origination charges $60.00
Item 804: Appraisal Fee $375.00
Item 805: Credit report $15.00
Item 806: Tax Service $50.00
Item 807: Flood Certification $10.00
Total cost of loan paid by borrowwer $510.00
Ask Steve for a Good Faith Estimate and compare costs. That's what I call a WOW!
The money obtained from your local credit union is just as green as money obtained through a mortgage broker like Steve. I mean really. Money is money no matter where you get it right. Now you can save money by eliminating the middle man. Don't feel bad for Steve though. It's not like he's giving up money he earned because he had no part in your loan and therefore did not earn it.
Has any realtor suggested that buyers pay more than a home is worth to get a higher commission. Ridiculous.
How much of your commission do you rebate to buyers?
Ummmm.....because we love to work evenings, holidays, birthdays, and weekends?
You're embarrassing yourself and your industry.
@Jing I really apologize for this exposure to the ugliness in this industry, but as you can see not all "professional" are professional. I wish you the best of luck in your real estate ventures and I'm sure you will find a great agent that you can work with. You may want to consider deleting this question to avoid further temper tantrums from Steve in your inbox.
@Lucien I owe you a beer sir!
Hear hear! (or is it "here here?")
Donald Trump states that his team of brokers deserves to make money - he seems to be successful....
I do agree that some commissions are excessive - especially on the listing side. I am definitely open to negotiating those. But working with buyers - especially so called 'investors' - I'd like to charge double....up front.
Of course you are willing to let a real estate attorney handle it. You're not paying for it so why not. You have already shown how free you are with other peoples money.
Here's another question for you. If a REALTOR is so willing to give up their own money, how hard will they work to ensure their customers get the best value from their transaction? The short answer is, not vey hard. You had better hope you never run out of desperate REALTORs willing to take a 66% pay cut or your business model is toast. I would expect the bottom feeders you associate with have other sources of income. You might want to have a back up plan.
I don't have to convince consumers that professional full service REALTOR's won't agree. I'll let them find out for themselves. A REALTOR who would stoop so low will surely not go the extra mile for their customer. The mindset would be that since the buyer is getting more money than they are then they should do the work. Buyers should be aware of that withoutr being told. It's common sense.
I dare say that your simplistic view of what service a REALTOR provides is a product of the level of service offered by those that buy customers from you.
I also noted that you have not once mentioned anything about your level of service other than your ability to extract a portion of a REALTOR's commision. You are the generic box on the shelf at wal-mart. You get what you pay for.
The "GFB" example provided below is not likely to be accepted by any full time REALTOR. Assuming a 6% listing commission with an offer of 3% to a cooperating broker the buyers agent commission would be $12,000. Expecting an agent to give $8,000 to the buyer is sheer fantasy. Clearly this is an attempt to build false expectations and lure uninformed borrowers into a bait and switch situation which could be considered deceptive and unethical.
As I said earlier, any business model that relies on offering up someone elses money cannot stand on its own merits. Look for a mortgage lender that has a reputation for providing exceptional customer service and a documented record of closing on time at the terms agreed. There are bottom feeders in every industry. Learn how to spot them and save yourself some aggrivation.
Steve, this forum isn't about YOU!
sorry Steve, self esteem is good, but your arrogance and snarky comments are a real turn off (to me).........you might want to tone it down a notch............maybe you'd receive a higher percentage/ratio of helpful answers if you did.
I am just sayin..........


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Pokémon Conquest Needs More Love
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January 28th, 2013 (5:23 AM).
Join Date: May 2011
Gender: Male
Nature: Naive
Posts: 297
Pokémon Conquest was a DS game released earlier. Hurrah, and all that. What my point is, hardly anyone noticed it, remembered it, and played it. If you haven't played it, I would recommend it. So, anyway, I loved the battle style, even if only one move could be used. I felt it was one of the best games. Does anyone else feel the same way? I mean,
all Conquest players, did you feel it was an awesome game? Did you play it even after the main sequel? What was your favourite Pokémon in it?
For me? Yes, yes and is Dialga (Roar Of Time is too powerful).
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text: 000 AXNT20 KNHC 250012 TWDAT TROPICAL WEATHER DISCUSSION NWS NATIONAL HURRICANE CENTER MIAMI FL 805 PM EDT TUE MAY 24 2016 Tropical Weather Discussion for North America, Central America, Gulf of Mexico, Caribbean Sea, northern sections of South America, and Atlantic Ocean to the African coast from the Equator to 32N. The following information is based on satellite imagery, weather observations, radar, and meteorological analysis. Based on 1800 UTC surface analysis and satellite imagery through 2345 UTC. ...TROPICAL WAVES... Tropical wave extends from 04N05W to 12N04W moving W at 10 kt. the wave coincides with an amplified 700 mb trough between the Prime Meridian and 08W. Largely remaining across inland west Africa...scattered strong convection extends from 06N to 12N between 07W and 10W. Tropical wave extends from 02N32W to 10N31W moving W at 15 kt. The wave coincides with weak 700 mb troughing between 28W and 36W. Widely scattered moderate convection associated with the wave is from 03N to 05N between 31W and 33W. Tropical wave extends from 02N55W to 09N54W moving W at 15 kt. The wave coincides with a subtle mid-level 700 mb trough and associated relative vorticity aloft in the vicinity of the wave axis near 05N. No significant convection is associated with the wave. Tropical wave extends from 04N77W to 13N77W moving W at 10-15 kt. The wave is located within the southwestern periphery of a mid- level ridge anchored over the SW North Atlc waters near 21N65W and broad mid-level troughing between 70W and 82W. Scattered moderate to strong convection is mainly over Panama ahead of the tropical wave axis. ...ITCZ/MONSOON TROUGH... The Monsoon Trough extends from the African coast near 08N13W to 05N21W. The Intertropical Convergence Zone axis extends from 05N21W to 03N35W to the coast of South America near 04N51W. Scattered moderate isolated strong convection is within 90 nm either side of the axis between 18W and 29W. ...DISCUSSION... GULF OF MEXICO... The Gulf basin is under the influence of upper-level NW flow which is providing a mostly stable environment aloft. A small but vigorous upper level vortmax is sweeping SE across the Florida panhandle into the base of a sharp amplifying upper level trough over Florida...Cuba and the western Bahamas. At the surface, a ridge is anchored by a 1022 mb high centered near Charleston, S.C. with primarily light to moderate E-SE surface winds E of 90W and moderate to occasional fresh SE surface winds W of 90W. This general synoptic pattern is expected to persist through Friday with little variation expected. CARIBBEAN SEA... The axis of a sharp amplifying mid-to upper level trough extends from Florida across Cuba to a base near 16N77W. The trough appeared to be assuming a negative tilt with time with increasing diffluent flow over eastern Cuba and the north-central Caribbean. This flow aloft coupled with diurnal heating and orographic lift resulted in scattered strong thunderstorms over Cuba...Jamaica and adjacent waters. At the surface, the pressure gradient between a ridge anchored across the central Atlantic and lower pressures over northwestern South America is resulting in fresh to strong trades across the basin with the strongest winds occurring across the south-central portion of the basin between 65W and 76W. 1326 and 1418 UTC ASCAT passes indicated 20-25 knot winds in the same area described. As the ridge is forecast to remain nearly stationary over the next 24 hours, then begin to gradually shift west, the gradient across the Caribbean will relax by Thursday with more moderate trades. ...HISPANIOLA... The axis of an amplifying and more negatively-tilted upper level trough along 77W/78W is providing an increasingly diffluent mid-to upper level diffluent environment over the island. However, scattered strong thunderstorms have so far developed around the island. The 12Z rawindsonde from Santo Domingo suggested an unstable environment, one conducive for deep convection with precipitable water values around 2.00 inches and the presence of an upper level jet streak....75-80 KT. This overall upper level diffluent pattern is expected to become further enhanced as a mid-to upper level low cuts off over the Bahamas. This increases the likelihood of scattered thunderstorms and potentially locally heavy rainfall. ATLANTIC OCEAN... An elongated middle-to upper level low is centered offshore of New England with troughing dipping southward over much of the SW North Atlantic. The base of the trough was becoming more amplified and negatively tilted with time with increasing upper level diffluence over the SW North Atlantic from 22N to 30N between 65W and 73W. At the surface, a dissipating stationary front extended from 32N67W to the northwest Bahamas. An inverted trough was developing from 27N68W to 22N71W beneath the area of enhanced diffluent flow. Scattered moderate isolated strong thunderstorms were developing within 240 NM east of the inverted trough. This trough is forecast to develop further and move WNW over the next few days. For additional information please refer to the Graphical Tropical Weather Outlook at http://www.hurricanes.gov. Elsewhere, a 1022 mb high is centered across South Carolina and will slide offshore by Wednesday continuing the gradual clearing and fair weather conditions expected west of the front. Finally...a 1032 mb high is centered near 34N45W across the central Atlantic that is providing relatively tranquil conditions E of 60W. For additional information please visit http://www.hurricanes.gov/marine $$ Cobb


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Travel Writing
Thus, I took my international upbringing to the maximum, living and working in the United States, France, Spain, Nepal, and Indonesia. I believe that travel is a way to bring good to the world, by connecting people, issues, and building a global community. Travel is a lens to see the world – too often, we only see what we want to see. I hope to break barriers and show the world as it is, by connecting it to history, society, and our own selves.
If you are interested in picking up any of the pieces for your publication in original or a modified form, you can contact me here.


text:
I am with Windows 98 running Internet Explorer 6 for browsing web. As my title says, whenever I vista that site, my browser keeps on refreshing the page every minute. As far as I have tried going to Internet Explorer Tools, clicked on Internet Option, clicked Security and under Custom level Settings I set "Allow Meta Refresh" to Disabled.
But still facing the same problem. Can anyone of you please tell me what is the problem and how can I fix the same?


text:
Meal Type
Featured Videos
Featured Content
Featured Brand Sites
Product By Category
Tools & Info
Cooking Tips
Healthy Living
Your Kids
food&family Magazine
6 servings, about 1-1/3 cups each
Read MoreRead Less
Tap or click steps to mark as complete
Save 30 calories and 4g of fat, including 3g of sat fat, per serving by preparing with 2% Milk VELVEETA.
Substitute 3/4 cup CHEEZ WHIZ Cheese Dip for the cubed VELVEETA.
Substitute your favorite frozen mixed vegetables for the broccoli florets.
* Nutrition information is estimated based on the ingredients and cooking instructions as described in each recipe and is intended to be used for informational purposes only. Please note that nutrition details may vary based on methods of preparation, origin and freshness of ingredients used.
Good, but more flavorful the second day. I did not use reduced-sodium soup but did use the 2% cheese. I made an oops and added the stuffing to the mixture rather than putting on top, which made for soggy stuffing. Thought that it lacked a bit of seasoning, but did enjoy it and would make again.
Can someone tell me if it is possible,
to use some other cheese than velvetta?
Not a fan of velvetta.
I also wanted to add that I wait until halfway through the cooking time to add the stuffing, this helps with the stuffing not getting too crispy on top.
K:43478v6 :66206


text:
Chicken Mulligatawny
From EatingWell: January/February 2007, EatingWell for a Healthy Heart Cookbook (2008)
Mulligatawny, which literally means "pepper water," is an English interpretation of an Indian dish. It has seemingly limitless versions, but most have curry and a bit of chicken. We've added tart Granny Smith apples, plenty of spice and a touch of coconut milk.
Makes: 6 servings, about 1 1/2 cups each
Active Time:
Total Time:
Nutrition Profile
Diabetes appropriate | Low calorie | Low cholesterol | Low saturated fat | Heart healthy | Healthy weight | Gluten free |View Our Nutrition Guidelines »
- 1 tablespoon canola oil
- 1 large yellow onion, diced
- 2 stalks celery, diced
- 3 cloves garlic, minced
- 2 Granny Smith apples, peeled and diced
- 1 1/2 teaspoons hot Madras curry powder, (see Tip)
- 1/2 teaspoon ground cumin
- 1/2 teaspoon ground coriander
- 1/2 teaspoon ground ginger
- 6 cups reduced-sodium chicken broth
- 1/2 cup white basmati rice
- 12 ounces chicken breast tenders, cut into bite-size pieces
- 1 cup "lite" coconut milk
- 1 tablespoon lemon juice
- 1/4 teaspoon salt
- 1/4 teaspoon freshly ground pepper
- 3 tablespoons sliced almonds, toasted (see Tip), optional
- Heat oil in a Dutch oven over medium-high heat. Add onion, celery and garlic; cook, stirring often, until softened, about 5 minutes. Add apples, curry powder, cumin, coriander and ginger and cook, stirring often, until the apples begin to soften, about 2 minutes. Add broth and rice; bring to a boil. Reduce heat to a simmer and cook, uncovered, for 12 minutes.
- Add chicken, return to a simmer and cook until the chicken is cooked through and the rice is tender, 8 to 10 minutes more. Stir in coconut milk and return to a simmer. Remove from the heat; stir in lemon juice, salt and pepper. Garnish with almonds (if using).
Tips & Notes
- Tips: Hot Madras curry powder, located in the spice aisle of most supermarkets, adds a pleasant level of heat. Substitute regular curry powder for a milder soup.
- To toast chopped nuts: Cook in a small dry skillet over medium-low heat, stirring constantly, until fragrant and lightly browned, 2 to 4 minutes.
Per serving: 230 calories; 6 g fat (3 g sat, 1 g mono); 38 mg cholesterol; 25 g carbohydrates; 0 g added sugars; 20 g protein; 2 g fiber; 284 mg sodium; 128 mg potassium.
Carbohydrate Servings: 2
Exchanges: 1 starch, 1/2 fruit, 2 very lean meat, 1 fat
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Recipe Categories
- Meal/Course
- Dinner
- Health & Diet Considerations
- Heart healthy
- Healthy weight
- Gluten free
- Diabetes appropriate
- Low calorie
- Low cholesterol
- Low saturated fat
- Style/Theme
- Entertaining, casual
- Entertaining, formal
- One dish meals
- Type of Dish
- Main dish, poultry
- Soups/stews
- Ethnic/Regional
- Asian
- English/Irish/Scottish
- Indian
- Ease of Preparation
- Moderate
- Total Time
- More than 1 hour
- Servings
- 6
- Main Ingredient
- Chicken
- Preparation/ Technique
- Saute


text:
judgments on teaching and other inadequacies. They learned, too, to demand structural changes to benefit their children. This was most evident in the Wisconsin desegregation cases.
An increasingly critical activism by parents suggested that Hmong were learning how to contend for improved schools in the American mode. Civil rights approaches were being utilized by Hmong. In Laos, the problem for parents was to get governmental authorities to build and conduct schools for Hmong children. In the United States, the schools existed but operated unequally.


text:
Hello to you here on Audiko.net! A perfect occasion to download a free quick ringtones for your iPhone or mobile. Fix your favorite episodes from your favorite track - Christmas Concept, [unknown], Norske Talenter, or any other track. Then download the prepared quick ringtones to your mobile device, and enjoy Power Pop music by quick every time your phone rings. You are free to have your ringtone both in the MP3 and m4a formats, compatible with both mobile phones and iPhones. Just select a track, and choose free quick ringtones download option.
Download quick Ringtones


text:
While still relatively new to the country music scene, Parmalee is making big waves.
The group, made up of brothers Matt and Scott Thomas, cousin Barry Knox and childhood best friend Josh McSwain, had a No.1 hit with the song "Carolina." Parmalee also recently helped celebrate radio station KFROG's birthday at Morongo Casino Resort and Spa.
Parmalee will stop at Casino Pauma on Thursday, March 27, and Matt Thomas talked about the band's music and tour in a recent telephone interview.
Q: Where did the name Parmalee come from?
A: It's a town in North Carolina. We grew up near Parmele and we had a rehearsal barn out there. We decided to name the band after the town after spending a few years out there making noise. The population is 264.
Q: Is that the type of place where everyone knows everyone and there is no privacy?
A: Oh, yes. Absolutely. We're definitely the talk of the town.
Q: What is it like growing up together and going on tour with a tight-knit group of people?
A: Well, we're family so we know how to get out of each other's way when it's time. We know how to work with each other and around each other. We've been together for a long time and know each other very well.
Q: You're about to go on a giant tour. Do you do anything to prepare?
A: No relaxing or chilling. We're rehearsing. We have a new production with staging and lighting. We're getting the shows dialed in. Just getting it right. We want to entertain people the best we can.
Q: How much of a hand did you have in the whole production (staging and lighting)?
A: Our manager helped design the set and sent us some designs and we all agreed that we liked it. We all gave the nod and said, "Let's go." We're still tweaking things and getting right.
Q: You're still relatively new as a band. Has your sound evolved since you first began?
A: Oh, absolutely. And it will continue to evolve. It evolves every time we play. We're influenced by so many things and it took us a few years to figure out what our sound was. You hear so many things and it picks at your brain a little bit.
Q: Do you remember where you were when you first heard your song on the radio?
A: Nationally, the first time we heard "Carolina" on the radio we were down in Florida. It was crazy, we almost wrecked the car.
Q: What was the feeling like when friends and family first heard you on the radio?
A: People back home are used to it by now, because they've heard us so much. I still get texts today from people hearing us on the radio. It never gets old. It's awesome. The people that have been there from the beginning with us, it's just as satisfying for them as it is for us to hear us on the radio.
Q: "Carolina" was a huge hit. What was that like?
A: It was definitely a milestone and life goal reached. You always dream to have a No.1 single, and to have it we're lucky, fortunate and ecstatic about it. It makes you want it even more and to work harder for it. We know it's time for writing mode for the next record. It adds fuel to the fire.
Q: What is your favorite live moment during your shows?
A: I think right now it's when people sing back "Carolina." It's obviously the song people know most and the main reason they're there. You realize how big the song is and how cool it is for people to sing it to you.
Q: What is the feeling like for someone to sing along to something you've poured your heart and soul into?
A: It's hard to explain. You have to be up there (laughs). It's what you do it for. This is what we've all got into this for. It's the reason we decided to not be a cover band because we had a small group of people in front of us that were singing back to words we had written and they wanted to hear other songs we wrote. That's what gave us the bug.
WHEN: 8 p.m. Thursday, March 27
WHERE: Casino Pauma, 777 Pauma Reservation Road, Pauma Valley
INFORMATION: 877-687-2862 or www.casinopauma.com
[mappress mapid="1526"]


text:
- PeruFoodFunding via Asociación Arariwa
AnaPeruArtsFunding via Novica
San Isidro ...PeruFoodFunding via Asociación Arariwa
Belén Group
Julia, Nélida, Carmen, Yusly and Maritza are five of the 21 group members.
Julia is a 53-year-old widow with two children. She has a stand in the newly-opened Americas Market, where she sells alfalfa and vegetables. She will use her loan to offer a wider variety of products.
Nélida is 24 years old and lives with her partner and their daughter. Nélida and her husband sell cleaning products, which they sell in the stores of the Ayacuchan jungle towns. She buys her wares in Lima.
Carmen is 35 years old and lives with her common-law husband and their five children. She currently sells tripe from a mobile cart. She plans to use her loan to buy tables and chairs for the small restaurant she plans to open.
Yusly is 21 years old and lives with her common-law husband and their 3-year-old son. She sells haberdashery like necklaces and earrings, which she buys wholesale in the markets of Ayacucho City. She is using this loan to start anew: Yusly and her husband lost a lot of money when his household appliance stO. was robbed three months ago. Yusly thought about leaving FINCA, since she didn't think she would have the money to keep making loan payments. Instead, she's decided to stay in the group, but to start over with a small loan of 300 soles.
Maritza is single and 21 years old. She and her sister run a ceviche restaurant, which they just recently opened. She used to run a small stand, but now the restaurant has moved into a mO. central location. She plans to use her loan to buy television spots to promote her restaurant.
The women are requesting different loan amounts (300, 450 or 600 soles) and the group as a whole is requesting a total of 12,000 soles. They will use their loans to buy vegetables, pasta, sugar, fruits, cookies, and animals.
Additional Information
About FINCA PeruThis loan is administered by FINCA Peru, one of Kiva's Field Partners in Peru. FINCA Peru is dedicated to empowering socially and economically disadvantaged women in Peru, contributing to the development of their families, and building sustainable communities.
In 1990, FINCA Peru began by lending to a small group of women widowed by the Shining Path terrorist movement in Ayacucho. Beyond loans and financial services, FINCA offers business development training, personal and family development training, gender empowerment sessions, life insurance products, and financial and social literacy sessions for the children of borrowers. Visit FINCA Peru's Kiva Field Partner page to learn more.
This is a Group Loan
In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.
Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.
About Peru
45View loans »
Success!! The loan was 100% repaid
- Repayment Term
- 7 months (Additional Information)
- Repayment Schedule
- Monthly
- Pre-Disbursed:
- Nov 27, 2008
- Listed
- Dec 6, 2008
- Currency Exchange Loss:
- Covered
- Ended:
- May 15, 2009


text:
An Interactive Agency
You'll Love Working With
Mostly Serious strives to change the world. Not that we think we're going to save the world, mind you, but we can add to the list of interactive tools that make life today so damn convenient. We have our sights set on groundbreaking heights that others shy away from. Not to worry. We're equipped to navigate the steep and narrow, and we're loving the climb.Discover the Difference
We Know Interactive
Just what is interactive design and development? Mostly Serious defines it as next-level online marketing. We create tools that get users more involved, lending a sense of ownership to the experience and motivating users to act.See the Work
We Plan Smart
Ovation-worthy work starts with intelligent planning. Before we jump in, we create a project roadmap, which our whip-cracking project managers strictly enforce. Thinking ahead lets us answer many unknowns & clears the rampway for a smooth launch.Understand Our Approach
We Solve Problems
We thrive on solving difficult problems, and not one of us dares utter the phrase, "can't be done," lest our cohorts kick the naysayer to the curb. Using the powers of dedicated research and ample experience, we'll jump whatever hurdle you've got.Shop the Services
We Earn Results
How'd a ten-person shop achieve a track record for big results on imposingly large projects? Oversized talent, expertise, and commitment to our craft. Combine those essentials with our insistence on reporting results, and you get a stockpile of data that verifies we create great.Check the Facts
We Create Daily
Mostly Serious is a playground for the creative, where every day offers another chance to play. Our culture fosters individual growth & grants the freedom to flourish. Given that our people are a bunch of badasses, the setting leads to creative brilliance—professional & personal.Learn Who's Who
We Dream Big
This team plans to better the world through better products. Right at the start, we made the conscious decision to work with clients who set similarly outlandish benchmarks and who share our commitment to interactive done right. Who's with us?Reach Out to Aim Higher
We Are Ready
Mostly Serious maintains a roster of long-term client relationships for a few reasons: Our people get personally invested in the outcome of every project; we're transparent in our work; we communicate well and communicate regularly; and we're always ready to deliver results.Get Started
- Design Award-Winning Interactive
- Development Custom Sites & Apps
- Writing Compelling Content & SEO
We Build Beautiful Online Properties From Conception to Construction
- Select a recent project
to see the breakdown


text:
Named in the top 100
of US less expensive restaurants by Yelp.
Plumeria Vegetarian Restaurant is in the heart of University Heights. We believe in high-quality vegan and vegetarian food. All of our dishes are free of fish sauces and animal products, with the exception of optional egg in some dishes. All dishes are prepared fresh daily, using only the finest ingredients available. We use organic vegetables when available.
Our hours are:
Mon-Fri 11:00am - 3:00pm Lunch
4:30pm - 10:00pm Dinner
Fri & Sat Open Til 11:00pm
Sat 11:00am - 11:00pm
Sun 11:00am - 10:00pm
$3 Delivery
We deliver within three miles of Plumeria,
with a minimum order of $20. Every day from 5-9pm.
Call 619-269-9198


text:
Prime Minister Shinzo Abe said Tuesday the government will draw up tax easing measures in the fall as part of its policy to boost Japan's economic growth, underscoring that the country cannot grow only by focusing on austerity.
"We will decide (on the annual reforms) in the fall for this year," Abe said in a speech delivered at a World Economic Forum meeting in Tokyo, while referring to the need for tax breaks for companies to boost their capital spending.
The government normally compiles such reform plans in December before submitting them to the Diet. Bringing forward the schedule apparently reflects concerns among officials that the growth strategy recently unveiled by the premier has fallen short of the expectations of financial markets.
Abe has mentioned the possibility of easing taxes on business investment, hoping this will encourage companies to renovate their production facilities and equipment and thus underpin the country's growth.
In his speech, Abe also indicated the government will put more focus on revitalizing the economy, which has been mired in nearly two decades of deflation, than committing to improving its fiscal health, the worst among major developed countries.
"Japan cannot grow by putting austerity above everything," he said. "We will seek growth at first and then fiscal rehabilitation."
On the growth strategy, to be approved by his Cabinet later this week, Abe reiterated the government eyes deregulations to allow foreign doctors to provide services in designated economic zones in Japan.
The strategy, mainly aimed at increasing investment in Japan, is a key part of Abe's economic policies, along with huge budgetary spending and bolder monetary easing by the Bank of Japan.
Last week Abe unveiled the latest part of the strategy but it did not include specific tax measures, leading to disappointment among investors and a sell-off in Tokyo stocks. Abe was forced to declare he will create a second strategy later this year, which will focus on tax breaks on business investment.


text:
See All Contributors »
but I like her: 'SNL' Premiere Something Something Katy Perry's Boobs
So hot.
Kansas wears Adidas.
Katy Perry is HOT!
When Prepared, Fear No One.
Very nice
Go Cyclones!!
**** Iowa!!
Sweet merciful Jesus.
Originally Posted by 3TrueFans
Sweet merciful Jesus.
I was flipping through the channels Saturday night and this is the only skit I saw and WOW is all I have to say!
Originally Posted by 3TrueFans
Sweet merciful Jesus.
Russell Brand is a lucky guy.
Originally Posted by BoxsterCy
Dude, you are Gameday Rulzzz and could probably post about anything.
New signature for the month
Originally Posted by Sawyer
New signature for the month
For about 10 minutes...
"Don't worry Boss...they can't do nothin' 'til they're through sparklin'..."
Avatar - America's new superhero...Cenex Guy
Originally Posted by Sawyer
New signature for the month
Originally Posted by 3TrueFans
Sweet merciful Jesus.
I just wanted a reply with this up there one more time. AWSOME
Wow. Just Wow.
hey i just notice that she was wearing some kind of Elmo shirt.
Originally Posted by 3TrueFans
Sweet merciful Jesus.
I'll do my part to keep it going.
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text:
We have a file server in our LAN. Windows 2003 Server. It was not included into our domain. Every user has local account on that server, and NTFS permissions are granted to those local accounts.
Now we have established a domain controller. Every user has got a domain account. How to include file server into domain so that the permissions would transfer from local accounts to domain accounts? Is it possible to automate this process somehow?


text:
In a high-school football offseason defined by coaching turnover, this is how tumultuous the winds of change have been.
In January, Kissimmee Liberty hired Tim Holt from George West High School in Texas to replace David Benson. Holt resigned to pursue a college football job in March, leaving the Chargers to look for a coach.


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Robin Wood: Felled Tree
Every second tree is killed to produce paper. Every single donation saves: www.robinwood.de/spenden
Advertising Agency: Saatchi & Saatchi, Berlin, Germany
Executive Creative Director: Oliver Kapusta
Creative Director: Anne Petri
Art Director: Christopher Jones
Copywriter: Kathrin Schaller
Photographer: Bernd Ebsen
Published:January 2012
23 comments
MicheleVirgilioJan 24, 2012 - 3:09
very good. I like. Good copy
Bill Me NowJan 24, 2012 - 9:12
And I'm assuming this would be printed on recycled paper then?
Roger KeynesJan 25, 2012 - 23:33
The Jobless Writer
Paper equals tree doesn't equal emotional response to donate.
The Jobless Writer
Will Think for Salary


text:
1 of 54
Posted by Glen Barber on 03/13/2013 12:27pm PDT tags: photo
VATICAN CITY — The Catholic church has chosen a new pope. White smoke is billowing from the chimney of the Sistine Chapel, meaning 115 cardinals in a papal conclave have elected a new leader for the world's 1.2 billion Catholics.
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