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MacBook Pro 15" Core 2 Duo Models A1226 and A1260 Lower Case Replacement https://d3nevzfk7ii3be.cloudfront.net/igi/yeZS2gbQWBFfypfE Walter Galan No estimate Difficult MacBook Pro 15" Core 2 Duo Models A1226 and A1260
Replacing the metal bottom case.
 2015-10-13T17:24:38-07:00 https://www.ifixit.com/Guide/MacBook+Pro+15-Inch+Core+2+Duo+Models+A1226+and+A1260+Battery+Replacement/645 MacBook Pro 15" Core 2 Duo Models A1226 and A1260 Battery Replacement https://d3nevzfk7ii3be.cloudfront.net/igi/ZQqBWIySQis4ltko ../MacBook-Pro-15-Core-2-Duo-Models-A1226-and-A1260-Battery-Replacement-645/guide.xml https://www.ifixit.com/Guide/MacBook+Pro+15-Inch+Core+2+Duo+Models+A1226+and+A1260+RAM+Shield+Replacement/649 MacBook Pro 15" Core 2 Duo Models A1226 and A1260 RAM Shield Replacement https://d3nevzfk7ii3be.cloudfront.net/igi/EuQlcUFSESCHorVd ../MacBook-Pro-15-Core-2-Duo-Models-A1226-and-A1260-RAM-Shield-Replacement-649/guide.xml https://www.ifixit.com/Guide/MacBook+Pro+15-Inch+Core+2+Duo+Models+A1226+and+A1260+Upper+Case+Replacement/661 MacBook Pro 15" Core 2 Duo Models A1226 and A1260 Upper Case Replacement https://d3nevzfk7ii3be.cloudfront.net/igi/eYmRONYxf6P2eRSC ../MacBook-Pro-15-Core-2-Duo-Models-A1226-and-A1260-Upper-Case-Replacement-661/guide.xml https://www.ifixit.com/Guide/MacBook+Pro+15-Inch+Core+2+Duo+Models+A1226+and+A1260+Optical+Drive+Replacement/668 MacBook Pro 15" Core 2 Duo Models A1226 and A1260 Optical Drive Replacement https://d3nevzfk7ii3be.cloudfront.net/igi/rsdI116WAljDKWAf ../MacBook-Pro-15-Core-2-Duo-Models-A1226-and-A1260-Optical-Drive-Replacement-668/guide.xml https://www.ifixit.com/Guide/MacBook+Pro+15-Inch+Core+2+Duo+Models+A1226+and+A1260+Logic+Board+Replacement/680 MacBook Pro 15" Core 2 Duo Models A1226 and A1260 Logic Board Replacement https://d3nevzfk7ii3be.cloudfront.net/igi/enQ13tffCDMRpGTM ../MacBook-Pro-15-Core-2-Duo-Models-A1226-and-A1260-Logic-Board-Replacement-680/guide.xml Use your fingers to push both battery release tabs away from the battery, and lift the battery out of the computer. https://d3nevzfk7ii3be.cloudfront.net/igi/ZQqBWIySQis4ltko https://d3nevzfk7ii3be.cloudfront.net/igi/C4RnZqHVqTkn6ffp https://d3nevzfk7ii3be.cloudfront.net/igi/psj2QODEZsFZZush Remove the three identical 2mm PH000 Phillips screws from the memory door. Lift the memory door up enough to grip it and slide it toward you, pulling it away from the casing. https://d3nevzfk7ii3be.cloudfront.net/igi/EuQlcUFSESCHorVd https://d3nevzfk7ii3be.cloudfront.net/igi/LTvjTmlQXoyxYkcT Remove the two 2.8 mm Phillips screws in the battery compartment near the latch. https://d3nevzfk7ii3be.cloudfront.net/igi/eYmRONYxf6P2eRSC Remove the following 6 screws: Two 10 mm T6 Torx screws on either side of the RAM slot. Four 14.5 mm Phillips screws along the hinge. https://d3nevzfk7ii3be.cloudfront.net/igi/tjfCIDFLWbS6MuOv Remove the four 3.2 mm PH00 Phillips screws on the port side of the computer. https://d3nevzfk7ii3be.cloudfront.net/igi/rMgJwjPUQZcy4ZKu Rotate the computer 90 degrees and remove the two 3.2 mm Phillips screws from the rear of the computer. https://d3nevzfk7ii3be.cloudfront.net/igi/ifA1gAROgltFGDnA Rotate the computer 90 degrees again and remove the four 3.2 mm Phillips screws from the side of the computer. https://d3nevzfk7ii3be.cloudfront.net/igi/X1urA1P64oVIAPdr Do not yank the upper case off quickly. The case is attached to the logic board via a ribbon cable. Lift up at the rear of the case and work your fingers along the sides, freeing the case as you go. Once you have freed the sides, you may need to rock the case up and down to free the front of the upper case. There are four plastic clips above the DVD slot, and another above and to the left of the IR sensor. These clips can be very difficult to disengage without prying. They can also be difficult to re-engage during reassembly. Reassembly Tip: Press down firmly on the tip of the top case above the location of each clip until you hear a snap to reseat them in their slots. Reassembly Tip: The two center DVD clips will rarely snap back into place properly without help, and downward pressure will instead simply deform the frame around the DVD slot. Support the frame by inserting a plastic spudger into the DVD slot directly under the clip location until it is snug, then press down until you hear the snap. https://d3nevzfk7ii3be.cloudfront.net/igi/AWVpQDJmt36GHxMS https://d3nevzfk7ii3be.cloudfront.net/igi/eH3s2DbqQ2suOdTx https://d3nevzfk7ii3be.cloudfront.net/igi/Y4T4QJ2YCbSIMVcc Disconnect the trackpad and keyboard ribbon cable from the logic board, removing tape as necessary. Note: It is possible to replace the hard drive without disconnecting the keyboard from the chassis, but it will need to be held upright to keep it out of the way, while still allowing you both hands to work on the drive removal. Be careful when removing the keyboard-trackpad ribbon cable to ensure that the rear of the upper case is disengaged from the area near the hinge. It is easy to accidentally bend the screw receivers on either side of the keyboard. Remove the upper case. https://d3nevzfk7ii3be.cloudfront.net/igi/CRBYPZtYRqpWYY4O https://d3nevzfk7ii3be.cloudfront.net/igi/vDejGGqTqMEthQWW Use the flat end of a spudger to disconnect the orange SuperDrive ribbon cable from the logic board, removing tape as necessary. https://d3nevzfk7ii3be.cloudfront.net/igi/rsdI116WAljDKWAf Remove the following 4 screws: Two 3.3 mm silver Phillips screws on either side of the SuperDrive. One 4.7 mm silver T6 Torx screw from the top left corner of the drive. One 6.2 mm black Phillips screw at the top right corner of the drive. Lift the optical drive up and out of the computer. https://d3nevzfk7ii3be.cloudfront.net/igi/hCEb3HkjjCZYm1DH https://d3nevzfk7ii3be.cloudfront.net/igi/Bt2a2JoCwHLKPiHQ Disconnect the hard drive and ExpressCard connectors from the left side of the logic board. https://d3nevzfk7ii3be.cloudfront.net/igi/R5WvaHYwh1BUgCPZ Disconnect the iSight and display data cables from the logic board by sliding the cables out of their connectors, removing tape as necessary. https://d3nevzfk7ii3be.cloudfront.net/igi/5O3CBBi4qi5GeLGZ Disconnect the eight indicated connectors by placing a spudger beneath each one and lifting up. Use care when disconnecting some of the smaller connectors. A forceful prod with the spudger may accidentally break them off the logic board. https://d3nevzfk7ii3be.cloudfront.net/igi/2kj4rQNElK3Nls2Y Remove the foam bumper from the top of the right hinge of the display. https://d3nevzfk7ii3be.cloudfront.net/igi/WI663krld44tKy4i Remove the silver 9.5 mm T6 Torx screw securing the ground loop in the display data cable to the casing. https://d3nevzfk7ii3be.cloudfront.net/igi/VgArVuegGY4mIcgr Remove the single black 6 mm T6 Torx screw securing the upper portion of the logic board to the upper case. https://d3nevzfk7ii3be.cloudfront.net/igi/XjfTfdfbNoCLW5NE Peel up the orange Kapton tape securing the right thermal sensor cable to the logic board. https://d3nevzfk7ii3be.cloudfront.net/igi/Puqbwjq4Ghd1HhTB Remove the following 15 screws: One 4.4 mm black Phillips screw to the right of the ram slot. Eight 4.7 mm silver T6 Torx screws securing the logic board to the lower case. One 6.2 mm black T6 Torx screw on the right side of the left fan. Five 9.4 mm silver T6 Torx screws securing the left and right fans. https://d3nevzfk7ii3be.cloudfront.net/igi/LKcKFGCkKJ2IQxCo Hold the logic board down with one hand and use your other hand to lift the left fan up from its housing. There is a piece of black tape securing the left fan to the heat sink. Carefully peel this tape up from the heat sink as you lift the left fan up. Place the left fan above the Airport card. It is not necessary to remove the fan from the computer entirely. Lift the right fan up and carefully peel up the tape securing the fan to the heat sink as you go. Remove the right fan from the computer. If you leave the upper 5 orange screws on, the heatsink/pipes come out effortlessly, still mounted onto the main board. That way the thermal connections are retained. https://d3nevzfk7ii3be.cloudfront.net/igi/VQOsFebabwcwWfYW https://d3nevzfk7ii3be.cloudfront.net/igi/y3WkqcAI2j1X4Pc1 Lift up the left side of the logic board and disconnect the gray and black power cable from the bottom of the board. Pull the power cable connector parallel to the face of the logic board. Grasp the logic board at the left side and at the thin section, and rotate the logic board out of the lower case. To properly reassemble your MacBook Pro, you'll have to clean off and replace the old thermal compound from the chips on the back of the logic board. Use our Applying Thermal Paste Guide to prepare the processor and heat sink surfaces. https://d3nevzfk7ii3be.cloudfront.net/igi/Eq1JdhUjIRH5ihIP https://d3nevzfk7ii3be.cloudfront.net/igi/RjVnadltITGwlQPo Lift the heat sink out of the computer. Peel up the iSight cable from the black tape at the top of the left fan. Peel up the left ambient light sensor cable from above the left fan, removing tape as necessary. Remove the left fan from the computer. If you need to mount the heat sink back into the laptop, we have a thermal paste guide that makes replacing the thermal compound easy. https://d3nevzfk7ii3be.cloudfront.net/igi/yeZS2gbQWBFfypfE https://d3nevzfk7ii3be.cloudfront.net/igi/3EHop2IfqFS5VeRB Disconnect the two antenna cables attached to the Airport Extreme card. Apple was kind enough to include a label showing where each color antenna cable plugs in - just make sure to look at this when reconnecting the antenna cables. If you have a MacBook Pro 15" Core 2 Duo A1226, there are three antenna cables on the Airport card. https://d3nevzfk7ii3be.cloudfront.net/igi/lHdX5AWmX5ZKbxVk Deroute the Airport antenna cables from their channel in the left speaker. https://d3nevzfk7ii3be.cloudfront.net/igi/AMnix1Zw2IVUYAIe Remove the single black T6 Torx screw located just above the Airport Extreme card. https://d3nevzfk7ii3be.cloudfront.net/igi/5OMo4alqP2gufFaH Lift the small silver metal retaining bracket up and out of the computer. Lift the Airport Extreme card up and slide it out of its connector. https://d3nevzfk7ii3be.cloudfront.net/igi/evI6du4ElTQ6F2Zb Peel up the orange hard drive cable from above the ExpressCard cage. https://d3nevzfk7ii3be.cloudfront.net/igi/fIw2anlM5jkKJT3X Disconnect the speaker cable from the corner of the left I/O board. https://d3nevzfk7ii3be.cloudfront.net/igi/62qiNUrknVda5ckP Carefully peel up the black adhesive tape securing the speaker cable along the rear edge of the lower case. Continue to free the speaker cable from the black tape until it is free from all three sections of tape. https://d3nevzfk7ii3be.cloudfront.net/igi/2LRrosbAu2RpbfBT https://d3nevzfk7ii3be.cloudfront.net/igi/Pu63xatOhJ1CmL1O Remove the single black T6 Torx screw securing the right speaker to the lower case. Use a spudger to pry up the right speaker from the lower case. Remove the speakers from the computer. https://d3nevzfk7ii3be.cloudfront.net/igi/gl5fxvpX4YhHnIBY https://d3nevzfk7ii3be.cloudfront.net/igi/j1hpX5qBCOO1t4tE Use a spudger to disconnect the inverter cable from the corner of the left I/O board. https://d3nevzfk7ii3be.cloudfront.net/igi/HtrBUO1PiJFZYott Support the display with one hand while removing the following 3 screws: Two 9.5 mm silver T6 Torx screws with threads on only part of the shaft on the inside of the display hinges. One 9.5 mm silver T6 Torx screw with threads on the entire shaft on the outside of the left hinge. Grasp the display assembly on both sides and lift it up and out of the computer. https://d3nevzfk7ii3be.cloudfront.net/igi/TgQQPKRpHvF1U5Du https://d3nevzfk7ii3be.cloudfront.net/igi/PbLZxHfok6N3Qwx2 Disconnect the IR and sleep light cables from their connectors above the hard drive, removing tape as necessary. https://d3nevzfk7ii3be.cloudfront.net/igi/gs1YJfvDmaZIFcQJ Remove the two silver T6 Torx screws securing the hard drive retaining bracket to the lower case. https://d3nevzfk7ii3be.cloudfront.net/igi/VWiEvVslxrWNRUkv Lift the hard drive retaining bracket up and out of the computer. Lift the hard drive up from the right side and remove it and the attached cable from the computer. https://d3nevzfk7ii3be.cloudfront.net/igi/RaG12RDVPJq4OHrj Remove the following 7 screws/standoffs: Four black T6 Torx screws securing the left I/O board to the lower case. Two silver T6 Torx screws securing the battery connector to the lower case. One 4 mm standoff located between the audio jacks. Lift the left I/O board up from the right side and slide it out of the computer. https://d3nevzfk7ii3be.cloudfront.net/igi/XOxCY5PkkbPSCg1l https://d3nevzfk7ii3be.cloudfront.net/igi/Z53OGuEpYZXE1SLA Peel up the orange Kapton tape covering the right thermal sensor. Repeat the same procedure for the left thermal sensor. Use a spudger to pry the right thermal sensor off the lower case. Repeat the same procedure for the left thermal sensor. Use a spudger to pry up the PRAM battery off the lower case. Lower case remains. https://d3nevzfk7ii3be.cloudfront.net/igi/1MuJBVpHOpbcYWWx https://d3nevzfk7ii3be.cloudfront.net/igi/rDx6YQFl1apNSvpd https://d3nevzfk7ii3be.cloudfront.net/igi/lsoFexhvXol5Qjbi
To reassemble your device, follow these instructions in reverse order.
 2009-04-24T12:35:19-07:00


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Re: New Bias Charges Against FICO Scores ..... unfair to minorities
CS800 wrote:
How would the FICO formula even know what ethnicity someone is?
I dont get the logic behind this article. I can understand if they say there is some discrimination on certain applications but any lender gets teh same FICO score from e-oscar.
Again maybe im not getting the whole point here.
Point is the economy ain't bouncing back.
Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO
Take the FICO Fitness Challenge
(2,101 Views)

subset: commoncrawl


text:
Ready-to-Wear and Sportswear
Stu on sports
Some fashion tips for men from the people who help dress P.K. Subban"Menswear is naturally more conservative than womenswear and there isn't the culture as yet in menswear that menswear treats shopping like a leisure. I think that's a big difference."
Utex brand was down — not out — and now is fighting anew"I'll find a way to keep it going if you'll allow me to," Michael Seligman told the owners of Utex when informed the company was shutting down
Fashion & Beauty
Harry Rosen suits up for battleCelebrating 60 years of business and with annual sales of $300 million, Harry Rosen has much to cheer about these days.
Fashion & Beauty
Fall for Mexx: Dutch brand ups its fashion gameMexx is going back to its stylish Dutch roots, according to president and chief creative officer Julia Hansen.
'Canadien dive team' makes splash in BeantownT-shirts making fun of Habs star Subban sell briskly before Game 1


text:
Houston, Texas rapper RiFF RaFF may have reportedly inspired James Franco's character in the current theatrical film Spring Breakers, however the onetime Soulja Boy protege and reality TV star is now an actor in his own right.
Yesterday, RiFF RaFF was confirmed to have been filming long-running soap opera "One Life To Live" in Stamford, Connecticut. According to a show publicist, the episode features the rapper ironically portraying a character named "Jamie Franko," who is a Miami, Florida art dealer. They provided the screenshot from the filming:
The episode runs May 7.
"One Life To Live" has moved to Hulu and iTunes, after a 2011 hiatus from network television. The series relaunch kicks off April 29.
RELATED: RiFF RaFF's "Neon Icon" To Feature Drake, A$AP Rocky, Wiz Khalifa & More


text:
Hollywood Grocery Outlet
4420 NE Hancock St.
Portland, OR 97213
View Map | 5032825248
Cost: Free
Posted By: Grocery Outlet
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LArtisan des Glaces, Artisan Ice Cream & Sorbet to open in France at Epcot by mid-June in the pavilions former bakery space.
This delightful little shop will offer 16 different flavors 10 ice creams and six sorbets are on the menu (still a work in progress). Everything will be made in-house with the simplest, fresh ingredients milk, sugar, cream, eggs and fruit, says general manager Eric Weistroffer.
The frozen treats will be available by the scoop in cups or cones and for grown-ups, theres the option of adding liqueurs, says Weistroffer.


text:
- 62Promote
Phone Cases
Wild Floral Abstractby Joke Vermeer
Protect your iPhone with a one-piece, impact resistant, flexible plastic hard case featuring an extremely slim profile. Simply snap the case onto your iPhone for solid protection and direct access to all device features.
Great floral work.
Thank you Pepita!
fantastic art work
Thank you M A Design!
Love it!
Excellent, love this one, so beautiful colors ! :))))
Beautiful color abstract ~ lovely treatment and design!
Just Beautiful!
Thank you kcs, Francoise, Laertis, J&S, and Vikki.
This is really cool. I love it.
thank you Ericaphant.
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text:
All Things Sylveon
View Single Post
June 11th, 2013 (8:17 AM).
OmegaRuby and AlphaSapphire
10000 year Emperor of Hoenn
Silver Tier
Join Date: Apr 2010
Location: Oregon
Age: 21
Gender: Male
Nature: Careful
Posts: 16,497
Originally Posted by
I think the most exciting thing for me about the new Fairy-type being revealed is that we can finally put the Sylveon speculation of what type it is to rest. A long overdue reveal and so glad that puts an end to this chapter.
Still, I wonder what it will be that makes it evolve. I still think a ribbon-like item may be a strong possibility or maybe a new stone.
I fee like it may evolve by using Poke Aime as the official site's Aime portion seems to imply that there's surprises for using it, it's worded in a way that reminds me of certain evolution methods.
Crimson Ruby, Indigo Sapphire, Green Emerald.
OmegaRuby and AlphaSapphire
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Find threads started by OmegaRuby and AlphaSapphire


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this is really great trousers and those boyfriends jeans is too gorgeous <3
These are pretty cute. I like.
Usually loose fitting boyfriend style jeans make my bottom look thicker and shorter, but these were the perfect fit!
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Quotes & Info
|AF > SEC Filings for AF > Form 10-Q on 7-Nov-2012
|All Recent SEC Filings
Quarterly Report
This Quarterly Report on Form 10-Q contains a number of forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, or the Securities Act, and Section 21E of the Securities Exchange Act of 1934, as amended, or the Exchange Act. These statements may be identified by the use of the words "anticipate," "believe," "could," "estimate," "expect," "intend," "may," "outlook," "plan," "potential," "predict," "project," "should," "will," "would" and similar terms and phrases, including references to assumptions.
Forward-looking statements are based on various assumptions and analyses made by us in light of our management's experience and perception of historical trends, current conditions and expected future developments, as well as other factors we believe are appropriate under the circumstances. These statements are not guarantees of future performance and are subject to risks, uncertainties and other factors (many of which are beyond our control) that could cause actual results to differ materially from future results expressed or implied by such forward-looking statements. These factors include, without limitation, the following:
† the timing and occurrence or non-occurrence of events may be subject to circumstances beyond our control;
† there may be increases in competitive pressure among financial institutions or from non-financial institutions;
† changes in the interest rate environment may reduce interest margins or affect the value of our investments;
† changes in deposit flows, loan demand or real estate values may adversely affect our business;
† changes in accounting principles, policies or guidelines may cause our financial condition to be perceived differently;
† general economic conditions, either nationally or locally in some or all areas in which we do business, or conditions in the real estate or securities markets or the banking industry may be less favorable than we currently anticipate;
† legislative or regulatory changes, including the implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, or the Reform Act, and any actions regarding foreclosures, may adversely affect our business;
† transition of our regulatory supervisor from the Office of Thrift Supervision to the Office of the Comptroller of the Currency, or OCC, and the Board of Governors of the Federal Reserve Board, or the FRB;
† effects of changes in existing U.S. government or government-sponsored mortgage programs;
† technological changes may be more difficult or expensive than we anticipate; † success or consummation of new business initiatives may be more
† litigation or other matters before regulatory agencies, whether currently existing or commencing in the future, may be determined adverse to us or may delay the occurrence or non-occurrence of events longer than we anticipate.
We have no obligation to update any forward-looking statements to reflect events or circumstances after the date of this document.
Executive Summary
The following overview should be read in conjunction with our MD&A in its entirety.
Astoria Financial Corporation is a Delaware corporation organized as the unitary savings and loan association holding company of Astoria Federal. Our primary business is the operation of Astoria Federal. Astoria Federal's principal business is attracting retail deposits from the general public and investing those deposits, together with funds generated from operations, principal repayments on loans and securities and borrowings, primarily in residential mortgage loans, multi-family mortgage loans, commercial real estate loans and mortgage-backed securities. Our results of operations are dependent primarily on our net interest income, which is the difference between the interest earned on our assets, primarily our loan and securities portfolios, and the interest paid on our deposits and borrowings. Our earnings are also significantly affected by general economic and competitive conditions, particularly changes in market interest rates and U.S. Treasury yield curves, government policies and actions of regulatory authorities.
As the premier Long Island community bank, our goals are to enhance shareholder value while building a solid banking franchise. We focus on growing our core businesses of mortgage portfolio lending and retail banking while maintaining strong asset quality and controlling operating expenses. We also provide returns to shareholders through dividends.
We are impacted by both national and regional economic factors. With residential mortgage loans from various regions of the country held in our portfolio, the condition of the national economy impacts our earnings. During 2011 and continuing into 2012, the U.S. economy has shown signs of a very slow and tenuous recovery from the recession which began in 2008. The national unemployment rate, while still at a high level, declined to 7.8% for September 2012, compared to a peak of 10.0% for October 2009, although new job growth remains slow. Softness in the housing and real estate markets persists, although the extent of such softness varies from region to region. While the trend of lower non-performing loans has continued during 2012, we expect the levels will remain somewhat elevated for some time, especially in certain states where judicial foreclosure proceedings are required. With respect to our multi-family mortgage loan origination activities, primarily focused in New York, we have observed favorable market conditions during the first nine months of 2012.
In addition to considering the challenging economic environment in which we compete, the regulation and oversight of our business changed during 2011. As described in more detail in Part I, Item 1A, "Risk Factors," in our 2011 Annual Report on Form 10-K, as supplemented by our March 31, 2012 and June 30, 2012 Quarterly Reports on Form 10-Q, certain aspects of the Reform Act have an impact on us, including the expanded regulatory burden resulting from oversight of Astoria Federal by the OCC and the Consumer Financial Protection Bureau and oversight of Astoria Financial Corporation by the FRB, as well as changes to, and significant increases in, deposit insurance assessments, the imposition of consolidated holding company capital requirements and the roll back of federal preemption applicable to certain of our operations. The FRB has issued notices of proposed rulemaking during 2012 that would subject all savings and loan holding companies, including Astoria Financial Corporation, to consolidated capital requirements. These proposed rules also would revise the quantity and quality of required minimum risk-based and leverage capital requirements, consistent with the Reform Act and the Basel III capital standards, and would revise the rules for calculating risk-weighted assets to
enhance their risk sensitivity, which, among other things, would generally exclude trust preferred securities as a component of tier 1 capital. The proposed rules provide for various phase-in periods over the next several years. We are continuing to review the impact that the Reform Act, Basel III and related proposed rule-making will have on our business, financial condition and results of operations.
Net income for the three months ended September 30, 2012 increased compared to the three months ended September 30, 2011, reflecting a reduction of non-interest expense which more than offset a lower level of net interest income. For the nine months ended September 30, 2012, net income was lower in comparison to the nine months ended September 30, 2011. This decline was primarily attributable to a lower level of net interest income, coupled with an increase in non-interest expense.
Net interest income, the net interest rate spread and the net interest margin for the three and nine months ended September 30, 2012 were lower compared to the respective three and nine month periods in 2011, primarily due to more rapid declines in the yields on average interest-earning assets than the declines in the costs of average interest-bearing liabilities. On June 19, 2012, we completed the sale of $250.0 million aggregate principal amount of 5.00% senior unsecured notes due 2017, or 5.00% Senior Notes. The proceeds from the sale of the 5.00% Senior Notes were used to redeem our $250.0 million aggregate principal amount of 5.75% senior unsecured notes due October 2012, or 5.75% Senior Notes, on September 13, 2012. The repayment of the 5.75% Senior Notes and issuance of the 5.00% Senior Notes will result in a reduction of future annual interest expense with respect to our other borrowings. The short-term cost to carry the 5.00% Senior Notes until the 5.75% Senior Notes were repaid had the effect of reducing the 2012 third quarter net interest income and had a negative impact on the 2012 third quarter net interest margin of approximately nine basis points.
Interest income for the three months ended September 30, 2012 decreased compared to the three months ended September 30, 2011 primarily due to lower average yields on mortgage loans and mortgage-backed and other securities, partially offset by an increase in the average balance of multi-family and commercial real estate loans. For the nine months ended September 30, 2012, interest income decreased compared to the nine months ended September 30, 2011 primarily due to lower average yields on mortgage loans and mortgage-backed and other securities, coupled with a decline in the average balance of mortgage loans. Interest expense for the three and nine months ended September 30, 2012 also decreased in relation to the comparable 2011 periods, primarily due to decreases in interest expense on certificates of deposit and borrowings. The decreases in interest expense on certificates of deposit primarily reflect declines in the average balances of such accounts, although the average costs also declined. The declines in interest expense on borrowings were attributable to declines in the average costs of borrowings, offset by increases in the average balances.
The provision for loan losses for the 2012 third quarter totaled $9.5 million, resulting in a provision of $29.5 million for the first nine months of 2012, compared to $10.0 million for the 2011 third quarter and $27.0 million for the first nine months of 2011. The allowance for loan losses totaled $148.5 million at September 30, 2012, compared to $157.2 million at December 31, 2011. The decrease in the allowance for loan losses reflects the general stabilizing trend in overall asset quality we have experienced since 2010 as total delinquencies have continued a downward trend. The allowance for loan losses at September 30, 2012 reflects the composition and size of our loan portfolio, the levels and composition of our loan delinquencies and non-
performing loans, our loss history and our evaluation of the housing and real estate markets and overall economy, including the unemployment rate and other factors.
Non-interest income for the three and nine months ended September 30, 2012 remained flat in comparison to the three and nine months ended September 30, 2011. Lower customer service fees in 2012 were offset by increased mortgage banking income, net, and, for the nine months ended September 30, 2012, a gain on sales of securities and an increase in other non-interest income.
Non-interest expense decreased for the three months ended September 30, 2012 compared to the three months ended September 30, 2011 and increased for the nine months ended September 30, 2012 compared to the nine months ended September 30, 2011. The decrease for the 2012 third quarter compared to the 2011 third quarter is primarily attributable to reduced compensation and benefits expense, partially offset by increases in Federal Deposit Insurance Corporation, or FDIC, insurance premium expense and other non-interest expense. The increase for the first nine months of 2012 over the first nine months of 2011 is primarily the result of increased FDIC insurance premium expense, other non-interest expense and occupancy, equipment and systems expense, which more than offset a decline in compensation and benefits expense. The reductions in compensation and benefits expense in the 2012 periods, compared to the 2011 periods, reflect, in part, the benefits resulting from our cost control initiatives implemented in the 2012 first quarter. The increases in other non-interest expense for the three and nine months ended September 30, 2012, over the comparable 2011 periods, include an early extinguishment of debt charge associated with the prepayment of the 5.75% Senior Notes.
Total assets increased slightly during the nine months ended September 30, 2012, primarily due to an increase in our mortgage loan portfolio which was substantially offset by a decline in our securities portfolio and a decrease in other assets. During the first nine months of 2012, mortgage loan origination and purchase volume exceeded loan repayments, resulting in growth in our mortgage loan portfolio. This growth was fueled by an increase in our multi-family and commercial real estate loan portfolio, reflecting the resumption of such lending in the latter half of 2011 and strong loan production during the first nine months of 2012. The residential mortgage loan portfolio declined during the nine months ended September 30, 2012 as mortgage loan repayments, which remain at elevated levels but did not accelerate in 2012, more than offset our origination and purchase volume. At September 30, 2012, our multi-family and commercial real estate portfolio represented 22% of our total loan portfolio, up from 18% at December 31, 2011. This reflects our focus on repositioning the asset mix of our balance sheet, concentrating more on higher yielding multi-family loans than on lower yielding residential loans.
Total deposits decreased during the nine months ended September 30, 2012 as a result of a decline in certificates of deposit, while low cost savings, money market and NOW and demand deposit accounts increased. At September 30, 2012, low cost savings, money market and NOW and demand deposit accounts represented 59% of total deposits, up from 51% at December 31, 2011. This reflects our efforts to reposition the liability mix of our balance sheet, reducing high cost certificates of deposit and increasing low cost savings, money market and NOW and demand deposit accounts.
Our borrowings portfolio increased during the nine months ended September 30, 2012. The increase was due to an increase in FHLB-NY advances, partially offset by a decline in reverse repurchase agreements. Excluding the newly issued 5.00% Senior Notes, during the nine months
ended September 30, 2012 we extended $700.0 million of fixed rate, non-callable borrowings with a weighted average rate of 1.05% and a weighted average term of 3.8 years. During this period of historic low interest rates, we have utilized low cost borrowings to offset the decline in high cost certificates of deposit to help manage interest rate risk.
Stockholders' equity increased as of September 30, 2012 compared to December 31, 2011 due primarily to earnings for the nine months ended September 30, 2012 and a reduction in accumulated other comprehensive loss, partially offset by dividends declared. The reduction in accumulated other comprehensive loss is primarily the result of the adjustment in the 2012 first quarter to reflect the remeasurement of our benefit obligations and the funded status of our defined benefit pension plans at March 31, 2012 pursuant to plan amendments which, among other things, suspended the accrual of additional pension benefits effective April 30, 2012 and resulted in reduced pension costs beginning in the 2012 second quarter.
With the yield curve flattening further due to the Federal Reserve's extension of "Operation Twist" and the outlook for interest rates to remain at historic lows for some time, we continue to face challenges. This notwithstanding, we believe that our strong multi-family loan origination platform, coupled with our focus on repositioning the asset and liability mix of our balance sheet, will benefit the net interest margin and enhance future earnings.
On October 29, 2012, and continuing through October 30, 2012, the New York metropolitan area was hit by Hurricane Sandy, one of the most significant storm systems experienced in this area. As a result, we temporarily ceased all operations. Upon resumption of operations on October 31, 2012, certain of our branch locations were unable to re-open due to loss of power and other damage sustained and we experienced significant communication systems disruptions. Although we have since resumed operations in substantially all operating locations, we are continuing to assess and recover from the damage resulting from the storm. Repair and recovery costs could be significant. We cannot at this time assess the impact that this storm may have on our borrowers or on the related collateral for loans.
Available Information
Our internet website address is www.astoriafederal.com. Our annual reports on Form 10-K, quarterly reports on Form 10-Q, current reports on Form 8-K and all amendments to those reports can be obtained free of charge from our investor relations website at http://ir.astoriafederal.com. The above reports are available on our website immediately after they are electronically filed with or furnished to the SEC. Such reports are also available on the SEC's website at www.sec.gov/edgar/searchedgar/webusers.htm.
Critical Accounting Policies


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Middle East
Iran Hosts Large Meeting of Holocaust Deniers
In Depth
Iran is hosting a two-day conference that brings together Holocaust deniers and foes of Israel from around the world.
Sparked by Iranian President Mahmoud Ahmadinejad's frequent challenges to the widely held history of the Holocaust, the conference includes former Ku Klux Klan member David Duke, as well as ultra-Orthodox Jews who oppose the Zionist movement that created modern Israel.
Iranian leaders say the "Review of the Holocaust: Global Vision" conference, organized by Iran's Foreign Ministry, displays the country's commitment to intellectual freedom, in contrast to some European nations that have jailed Holocaust deniers.
From Syria to Australia, Morocco to Malaysia, most participants share a single passion: a desire to prove that the Holocaust never happened.
One participant from France said that there is no proof of the mass killings. Another, from Australia, was asked what he thought about the Holocaust. He said simply, "It's a lie."
The Iranians themselves were weighing their words a bit more carefully. Foreign Minister Manouchehr Mottaki opened the conference by declaring that the meeting is meant neither to deny or to prove the Holocaust took place.
For Iran, the conference seems to have a political goal: to raise questions about the Holocaust in order to challenge the historical reasons for establishing the state of Israel in 1947.
Since President Ahmadinejad's election last year, Iran's government has sought to portray itself as the Muslim world's pre-eminent supporter of the Palestinian struggle against Israel.
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Inherently Funny
These things.
Added by Brian on September 26, 2010 | 8 people like this You Like This | Unlike
I don't know, I think they're kind of sexy.
Says Anthony on September 26, 2010
I wore them as a kid and my dog would always bite them.
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Study Aboard Fair
Kansas State University - Manhattan
9:30 to 2 PM
Union Ballroom
Manhattan, KS 66506
Peace Corps service is the opportunity of a lifetime and offers two years of international experience immediately upon graduation.
About the Peace Corps: Read more or watch a video about what it's like to be a Volunteer including what Volunteers do, where they go, and the many benefits of Peace Corps service. Or apply now to begin your life-defining experience.
Stay Connected: Sign Up for E-Updates || Facebook || Twitter || YouTube || Flickr || Tumblr || LinkedIn
For questions about this event contact Linda Tucker
If you require a reasonable accommodation when attending a Peace Corps event, please contact the recruiter identified in the "for questions about this event" section of the event listing. Please provide the details of the reasonable accommodation you are requesting.
Last updated Aug 05 2013
Reference #9936


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I'm a mom of two young girls and a clothing and accessories pattern designer! I love to design useful, beautiful items to wear and use. :) I grew up with a love for art and crafting, and minored in studio art in college so I would keep art in my schedule! You can see all of my patterns at birdsongpatterns.etsy.com.
Sassy Librarian Blouse
Birdsong Bows
Ruffled fabric ...
2-4 color braided ...
Ribbon Etoiles Cockade ...
The Catherine Ribbon ...
Funky loopy flip flops
The Camellia Felt Flower
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Wednesday, September 25, 2013
1 Comments | Copyright: IANS
The script is not the only thing that R. Madhavan looks at while deciding a film. The producer and cast are equally important for him.
"I used to only look at the script. Now, I look at the set up, producer and rest of the team," Madhavan told IANS on phone from Mumbai.
"Just having a good script does not satisfy everything. You must have a team to pull off that script as well and I see if they are capable of pulling it off," he added.
The actor has made a name for himself in Hindi films with his work in "Rang De Basanti", "3 Idiots", and "Tanu Weds Manu". He is equally successful in southern cinema and is known for films like "Alaipayuthey" and "Minnale".
"I always do very specific films. It takes me a while to get the scripts which I want to do," said the actor who will be seen doing a film on boxing soon.
"The boxing film will be released in Tamil and Hindi. We will begin shooting in December. The announcement will come in a couple of weeks. It will be shot in places like Hyderabad and New Delhi," he said.
The 43-year-old will also be seen in Hollywood project "Night Of The Living Dead: Origins".
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Megastar Amitabh Bachchan on Friday said he will talk about the 'Beti ...
Aanand L. Rai confirms SRK's dwarf act in his next romantic flick.
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text: I know this team is an all-star from cali and az and basically the west coast. But i want to know how i get on this team. Is it purely invite? or is there some sort of recommendation process? or do i apply? can someone help me out and give me info please


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How we work
Inspect and
Fix and
Clean and
Kings Lynn Chimney Sweep
Family run business
Located in Kings Lynn, Norfolk
We are a family-owned and operated chimney sweeping business located in Kings Lynn, Norfolk. We specialize in the inspection, sweeping, repair of fireplaces, chimneys, wood burning stoves and flues. We are a member of The Institute Of Chimney Sweeps and have extensive experience in all types of chimney and solid fuel stove matters. We serve Kings Lynn and surrounding areas.
Need more informations about us?
What We Offer
Services Include:
- - Smoke testing
- - CCTV inspections
- - Brush and vacuum sweeping
- - Power sweeping
- - Nest removal
- - Chimney lining
- - Fully insured
- - Chimney maintenance and repairs
- - Registered stove installer
All chimneys swept are issued a certificate, backed by the Institute of Chimney Sweeps
Price List
Chimney sweep, traditional brush and vacuum method – £40
Power sweeping using latest chimney cleaning tools and methods – £55
Cowl fitting (access dependent) – £80
Chimney pot fitting (access dependent) – £150
Bird nest removal including a carbon monoxide alarm & CCTV inspection – £80
Carbon monoxide alarm supplied and fitted – £35
Ways to prevent chimney fires
Ensure your chimney is swept regularly by a sweep that can supply a sweeping certificate.
Use only recommended fuels for your appliance and flue type.
Use dry seasoned woods, with no more than 20% moisture content.
Don't burn cardboard rubbish such as cardboard boxes or plastic packaging.


text:
Get easy recipes, menu suggestions, food finds, kitchen tips, restaurant features, and more!
Line and grease a pan in seconds!
Here's how to avoid sticky baking situations:
Photography by Miguel Nacianceno | Text & Demonstration by Giannina Gonzalez of theCenter For Asian Culinary Studies Cooking School�
Get first dibs on our latest promos and news, plus get to see our newsletter-exclusive Yummy menu!
What is your go-to healthy food item?


text:
By Newsmax Wires |
Thursday, 03 Apr 2008 10:07 PM
A new New York Times/CBS poll released late Thursday shows support for Sen. Barack Obama weakening.
"Senator Barack Obama's support among Democrats nationally has softened over the last month — particularly among men and upper-income voters," the Times reported on its Web site.
The poll also finds that Sen. Hillary Rodham Clinton and Obama are in a statistical dead heat for their party's favor, with 46 percent backing Obama and 43 percent Hillary. But these numbers should a serious errosion for Obama, who held a 16-point lead of Hillary in February.
The paper suggested that Obama hit "something of a peak in February" and has seen a slow decline since then.
Though still popular among Democrats — with a 62 percent favorability score — Obama has suffered a 7-point decline in that number over the past 30 days.
Among the polls other findings:
As the Democratic primary battle unfolds, the biggest beneficiary may be McCain, who has been busy shoring up his base. Today, more than 67 percent of Republicans view him favorably, a rise of 10 points since February.
© 2016 Newsmax. All rights reserved.
Newsmax, Moneynews, Newsmax Health, and Independent. American. are registered trademarks of Newsmax Media, Inc. Newsmax TV, and Newsmax World are trademarks of Newsmax Media, Inc.


text: The title says it all. if you all did have a look at the new interface then you know what I am talking about I want it changed as soon as possible so for that I need your help as soon as possible which I think you will do that for me thats for sure. so please do help me in rolling back to the old facebook that I had I will be very much happy with it now no more changes at all.


text: Home Culture Check It Out: Sharpton and Watkins Discuss Black Agenda and President Does the President need one or doesn't he? By: Authors Posted: March 3 2010 9:47 AM 0 Get what we're watching delivered to your inbox everyday! Sign up for our daily video newsletter below. Powered by Livefyre 0


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text:
County Offices, Courts, and the Landfill will all be closed on Monday, May 30, 2016 for the Memorial Day Holiday. Critical services at Larimer County are not disrupted by closures.
Immunizations are available by appointment only during clinic hours at the Fort Collins, Loveland and Estes Park offices.
The Health Department serves Medicaid and uninsured clients and is not able to bill private insurance. Insured clients are encouraged to receive immunizations at their health care provider's office since preventive vaccines are covered by most private insurance.
The Health Department gives routine vaccinations to those who are in greatest need, including the following groups:


text:
- Reviews
What do you think about this product?
Have questions about this product?
the ski you shouldn't have bought
These skis were fine the first 4 or 5 days, until the topsheet flaked off all the way to the core, head will most likely replace the skis, but i thought Heads were bulletproof, getting the Thugs instead... Ski is awesome in almost any conditon, but durability is important to me, so these skis are not for me....
Tip Top
Head skis were one of the first production ski companies in the world. Over that time there has been a lot of changes in the ski industry, and many pioneered by HEAD. The materials used and technology that creates the Head skis can only be experienced as explanation does not justice. These skis are versatile in all conditions, easy to control at all speeds, and stable yet reactive for all skiers capable of harnessing the energy created. Some may consider these skis weapons of winter, but thee skis are made for skiing and for skiers who are ready to experience the sport from your own cockpit.
"Simply put, these skis are awesome."
Fast and strong
These can do whatever you want. Mank, pow, deep, icy, bumps, coloiurs...it doesn't matter. A bit heavy, but jeez they are a great all-around twin-tip. I wouldn't recommend trying to tour with these unless you have super-human endurance and wicked-strong hip-flexors. Like Cody said, these are mad stiff, so know what you are buying. I put a pair of old Rainey Hammerheads on em and was very happy on-piste.
Bombs Away
This is the ski for bombers. If taking a full speed roll over a cornice, laying down three turns, and then lapping it back to the lift, these are the boards for you. They will rally on groomers, crud, packed powder, the deep stuff, whatever. They are stiff: they will not pop in the deepest snow and turn smearing spoon tip lovers should look elsewhere. These are heavy skis with a long sidecut. They like to go fast in a straight line through whatever Sierra cement or week old Utah crud you can find. If you like to lay it over and just go, buy these skis right now. They get really fun with some Salomon Race Plates.
Write your question here...Im looking at...
Write your question here...Im looking at the head super mojos, not sure of what length to get? Im 183cm tall and weigh about 84kg, 191 or 181?
If you are an expert skier at 185 pounds you can handle the 191. However if you like to make lots of short turns or get into tight trees a lot you might consider the shorter ski and mount yourself 1 or 2cm back from the suggested mounting point. This will help keep the tips up in powder and also give you more ski out in front of you which at your weight will be beneficial. you are about at the top of my recommened weight scale for the 181cm for aggressive skiers. If you are less aggressive skier then it changes a little. For example I would put a 60 year old 200 pound man on the 181cm. I hope that helps


text:
Claim: Video shows the deleterious results of using Head & Shoulders shampoo.
Examples: [Collected via Facebook, June 2014]
I saw this on Facebook and left and image I can't get rid of. What is this? It said it's the cause of using head and shoulders shampoo. Which I USE!! PLEASE help me figure out what is going on and what this thing is suppose to be on the person's body.
A video is going around that you have to share on FB before you can watch it. It claims Dove shampoo caused this huge, creepy growth on a person's shoulder that has these spores or pods growing in it.
A video is going around that you have to share on FB before you can watch it. It claims Dove shampoo caused this huge, creepy growth on a person's shoulder that has these spores or pods growing in it.
The image itself is a hoax, a fabrication that imitates a notorious fake photograph of a supposed 'breast rash caused by South American larvae' (created by merging a picture of a lotus seed pod with a picture of a human shoulder) which has been circulating on the Internet since 2003 and that was earlier used as the subject of a Twitter jape:
The referenced video does not exist, and the purpose of the current hoax is to serve as a lure in leading users to yet another survey scam: those who click through on the teaser link hoping to view the
Of course, getting that "free" $100 gift card requires — as explained in tiny type at the bottom of the survey page — that participants first sign up for several different offers, each of which requires them to purchase something, subscribe to something, or apply (and be accepted for) a credit card or loan:
Purchase Requirements. Incentives are split into two tiers:The best way to handle such scamming come-ons is to give them a wide berth: do not click through on associated links, don't share those links on Facebook, and do not participate in any related surveys.
Tier 1 incentives with a value of $100 or less and Tier 2 incentives with a value more than $100. To qualify for a Tier 1 incentive you must complete 2 Silver, 2 Gold and 1 Platinum offer. To qualify for a Tier 2 incentive, you must complete 2 Silver, 2 Gold, and 6 Platinum offers. You must complete all offers within 30 days from when you complete your first offer. Completion of offers usually requires a purchase, subscription or filing a credit application and being accepted for a financial product such as a credit card or consumer loan.
Last updated: 4 February 2016


text:
Admission: Free to enter
Meeting Place: History Cabin
It's that time of year again! Time to cast your line at Davidsonville Historic State Parks annual kids fishing derby! This year we have a partner, the Randolph County Sherriff's Department! Better prizes, live entertainment, child safety information, programs and more! . Bring out the whole family! Prizes will be awarded for all age groups at noon. Open to kids ages 5-15.Call park closer to the derby for details.
Explore Davidsonville Historic State Park with our helpful maps and brochures! Just click on an icon to view, or right-click on your mouse to save a
copy to your computer.


text:
Balcony 2 View
Beach View from Balconies
Living Area
Sapphire Water
BBQ Balcony
Living to Kitchen
Main Kingsize Bedroom
2nd Bedroom
Main Bedroom Ensuite
Main Bedroom
Bed 3 King Singles or 1 x King
Bed 3 Ocean View from bed
The view
Main Bathroom with spa
Sofa Bed in Main Bedroom
Internal Garden Courtyard
Open Kitchen/Dining
The Entrance-Level to Living area
Open Kitchen/Dining/Living
Dining room View
Relaxing Daybed with ocean views
Actual View from Living Area
Living Area to Kitchen
Shrek goes on holidays
Whale watching Season has begun...
This is an amazing property. The best views you could ever hope for! from the moment you walk through the door. Everything is provided to ensure your stay is just what you would expect. Expect to be delighted with this property. The beach is only a short distance away.
The apartment is a duplex in a building of two only. It is very spacious, clean and modern.
Property is suitable for 6 Guests, however it can accomodate max to 8 guests.
Whale watching delight.......180degree uninterrupted view off the Ocean.. Absolutely spectacular ....
Amazing location. Elevated position, overlooking the ocean & a beautiful beach (20mtrs/5min walk away). Suitable for Couples and Families. Sapphire named after the colour of the water.
Sapphire Blue holiday home is amazing value for money. It is a beautiful home to stay in..... be lulled by the gorgeous ocean sounds.
All 3 Bedrooms have king size beds are beautifully decorated with quality linen provided and are very spacious. 2 bedrooms have ocean views from the bed. Main Bedroom has ensuite & extra single sofa bed. 2nd & 3rd bedrooms have king beds which can be split into singles. The main bathroom is on this level with a large soaking bath.
There is also a queen sofa bed situated in the living area. Extra foldaway bed available also. Sleeps 6 comfortably. Air conditioned. Level entry via double garage.
Sorry we DO NOT accept bookings for Schoolies, parties or unsupervised guests under 25 years of age.
Street level parking through double garage to spacious open plan living area, which includes the living room, dining, kitchen with two balconies (all with ocean views) and Laundry with washing machine & dryer, WC. Webber gas BBQ included. Outdoor dining with ocean views & a Bali daybed to relax on. Bedrooms all situated downstairs. Two with ocean views.
Fantastic ocean views from the front door and throughout the apartment. Plenty of space for a relaxing holiday.
Park the car and relax. Sapphire Blue is the perfect getaway. You will be surprised from the first moment you arrive, just how gorgeous this property is.SEE REVIEWS..
This property is fantastic value. The property is well appointed, spotlessly clean with high end appliances. There is a washing machine & dryer. The views are elevated and look over other high end stayz properties that are charging up to $1000 per night.
Location - Halfway between Sydney & Brisbane
Sapphire Blue is situated 5 min drive North of Coffs Harbour centre. 10 min from the Airport. 1 hour flight from Sydney. Direct Flights from Melbourne. The area is a natural visual delight. Where the Mountains meet the Sea.
Activities include a walking, cycling. Visit the beautiful harbour, rainforests, beaches, waterfalls, bush walking, coastal walk, scuba diving, golf, whale watching tours, deep sea fishing, white water rafting, canoeing, shopping, surfing, dining out in one of many superb restaurants.
Golf Club, Cycling track close by. Kids play area up the beach. Restaurants and Cafe close by in local area Sapphire Beach.
Coffs Harbour was voted by CSIRO as the best climate in Australia.
SHOREBREAK STUDIO - Bali Style (PROPERTY ID 14177) - Sleeps 2, Queen Bed - 2 Storey (has stairs)
SHOREBREAK STUDIO 2 - Moroccan Style (PROPERTY ID 91468) - Sleeps 2, Queen bed - one level (situated opposite the Bali Studio with private entrance. Both studios are separate with own entrance.
SHOREBREAK BEACH HOUSE - (PROPERTY ID 97087) whole house, sleeps from 6 to 10 guest if you include both studios. Can be rented separate to studios, as they all have there own entrances & are private from each other.
PANDANUS BEACH HOUSE- (PROPERTY ID 169448) on the beach with a pool. sleeps up to 10 guests.
To view any of these properties enter the PROPERTY ID in your search. Contact Manager for any further information.
Air conditioning, Washing machine, Parking, Dishwasher
- Outdoor
- Outdoor grill
- Entertainment and Family
- DVD player, Video library, Stereo, Parking, Cot
- Kitchen and Dining
- Kitchen, Microwave, Dishwasher
- Linen and Cleaning
- Linens provided, Clothes dryer, Iron and board, Washing machine, Towels provided
- Heating and Cooling
- Air conditioning, Heating
- Custom
- Ocean Views, Spacious Duplex Home, Large Bath Tub, Modern Kitchen, Webber Gas BBQ, Modern Decor, Level Entry, Basic Guest Supplies Included, Private and Quiet, Reverse Cycle Air Con


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About KendrickPanther
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Great, AJ and Luke just got even more difficult to tell apart.
KendrickPanther replied to 15's topic in Carolina PanthersNice a thread about haircuts.
Panthers Release Boykin
KendrickPanther replied to jdpanther5's topic in Carolina PanthersI had a bunch of huddlers telling my I was an idiot and Boykin was a great player.
looks like we've got the redskins game in the bag
KendrickPanther replied to PhillyB's topic in Carolina Panthers
Gettleman Knee Replacement Surgery
KendrickPanther replied to KB_fan's topic in Carolina PanthersStop trying to save Dave Gettleman. You think he didn't notice he had a weight problem over the past 60+ years? At some point you just say "F%#$ It"
Gettleman eating
KendrickPanther replied to TheSpecialJuan's topic in Carolina PanthersI just thought to myself. Gettleman pays some of them...but not all of them. Do you want to be one of the guys that gets paid or one of the guys that gets to "graduate"? Could be motivation to a guy with the right attitude.
A Funchess Reminder
KendrickPanther replied to Jeremy Igo's topic in Carolina PanthersI can't believe I'm saying this...if everyone is healthy it's going to be hard to find snaps for all of them. Ted Ginn was fantastic last year. We can't take him off the field too much and we won't go 3/4 wide much either.
Gettleman's post-draft press conference - video
KendrickPanther replied to KB_fan's topic in Carolina PanthersGettleman talking about his milkshake makes me think of There Will Be Blood. I could see him in a room with the other NFC South GMs and he just says "I take your milk shake and drink it up". We haven't lost the division since he arrived.
Peanut wants to play one more year
KendrickPanther replied to KB_fan's topic in Carolina PanthersI can't imagine he will be healthy until maybe mid season.
First Round - Game 4 - Heat @ Hornets
KendrickPanther replied to Proudiddy's topic in Charlotte HornetsCourtney Lee played some great defense.
Anyone Going to the Game Today?
KendrickPanther replied to chknwing's topic in Charlotte HornetsIm gonna see if i can get a ticket on the street tonight. Ticketmaster tacking on 14 bucks in fees is no bueno
CJ is not comparable at all. Josh is coming off an All Pro season. His value on the open market will never be higher than it is right now. CJ is just looking to hold on for a few more seasons and chose familiarity over a few extra bucks. We could have kept him under the tag. We let him walk because threats were being made about missing camp and not going full speed. This is bigger than just bargaining tactics. You don't put all pros on the open market to lower their value.
Anyone holding out hope of Josh coming back is delusional. Someone will pay him and he will have too much pride to take less to stay. Things obviously got so nasty the Panthers didn't even want him under the tag for a year.
Panthers rescind Norman's franchise tag...
KendrickPanther replied to Nick_81's topic in Carolina PanthersThis will hurt us in 2017. We will never find someone that can play at his level in the draft or remaining free agency. Maybe a trade...maybe. But long term not having a contract like that on a player like that is for the good of the team. He was asking for damn near Cam Newton money.
Hardy interview w/Schefter, full interview on page 17
KendrickPanther replied to ctrcat's topic in Carolina PanthersI don't like him quoting the Bible belt. There are a lot of things we don't do down here that Greg Hardy definitely did. That weak ass argument doesn't help him at all.
Nailed it.... (edit) Please let the Panthers open the Season on Thursday night against Denver....
KendrickPanther replied to Jeremy Igo's topic in Carolina PanthersHaving our players watch them hand out rings sounds really distracting.


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Item Size: S Weight:47Kg/103.6Lbs Height:155cm/61.0in Bust:32B Waist:63cm/24.8in Hips:81cm/31.9in Overall Fit:Small
The material wasn't what i expected, but small fits perfectly. And it's cute.
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I love the print on the shirt. I ordered it, but it was a bit too short for my liking, the sleeves were also a bit tight on my arms
I Love the print! I bought it in a size s, but it was for my liking a bit too short, i am about 1,70 m and it was like a cropped t-shirt for me
me encanta esta camiseta de sandias es muy bonita
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The Congo Square Rhythms Festival returns to Armstrong Park this weekend with lots of great African dance and drumming performances, plus brass bands, Mardi Gras Indians, and a lot more.
'5 things to know' is a weekly feature highlighting different parts of the WWOZ world that you may have missed this week, including unique WWOZ programming and video, plus New Orleans events, artists, releases, places, features, and more.
For the week ending March 18, 2016:
The first Festival Bonfouca will be held this weekend in Slidell. Three days of local food vendors, arts market and water sports (kayak and boat rentals, fishing rodeo), and plenty of local music will fill Heritage Park. Produced by the same folks who put on the Mid-City Bayou Boogaloo, the festival will run from 5-10p on Friday, 11a-10p on Saturday, and 11a-8p on Sunday.
Little Maker is the brainchild of New Orleans vocalist/guitarist Micah McKee.
An expanded, narrative version of these principles from WWOZ Board is available here.
We are in the middle of our Spring Pledge Drive and thought we'd be sure you know what we are asking you to support. Here is a summary of WWOZ's basic principles:
Each membership drive, WWOZ puts out a new CD with some of the best sounds of New Orleans and where we've been in the previous 12 months. CD #44, If Only You Knew, is one of the finest we've put together yet, filled with rip-roaring music from local and national acts recorded live by WWOZ.
During our membership drives, the WWOZ video team is hard at work. Here's a sampling of highlights from this spring's drive. You can also see acts like the ones below streamed live, IAW the schedule here.
"All the big names of jazz, along with lesser legends, were included, and I found myself with a first class treasure of early jazz music.
This weekend, Lafayette will welcome the Celtic Bayou Festival, a brand new music festival that seeks to highlight the culture and music of both the Cajun and Celtic communities of South Louisiana.
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On an eventful day
"In a word, it' been a down more then anything else. I understand through sources that we have accepted a bid for C-USA. I think it's great…We lost two very prolific players due to team regulations and doing something in my guesstimate poor choice…That's a tough thing to deal with right now."
How tough was it to see Ryan Schneider ends his career in such scandal?
"I can't put into words. I spend four and half years in that boy life trying to help raise him. I have a genuine love for him. I know it hurt that this happened this late it really does. I know it's a tough pill, I know for him to swallow obviously, but it's hard for me because of the relationship. I'm not talking about the team and the success of this football team. I know he let himself and his family down and this family (the football team). I have a certain amount of sympathy for him and I wished it didn't happen."
How much of a blemish you think this might have on his career here at UCF?
"Oh, I don't know. It's hard to say…The guy played in almost 40 football games and have the success he had, at least statistically. He didn't have the season he wants to have this year because he was hurting. He did have the support staff he had in years past and I think the records reflect that. He still got to be an individual to be known as a quarterback that ever played here. Regardless of what happened here, you can't take away what he did on the football field. He still going to be the second most prolific football player ever played in the system and I was proud to coach him."
How was Steven Moffet in practice?
"I though Steven Moffet did remarkably well for a guy that takes little reps that he had taken within the system. Understanding the signal 1, getting a call, getting it hot, understand ball handling, and defenses. He really comes a long way. I worked him last week quite a bit, I knew Ryan is coming back and had no intention of playing him although people might not share the same opinion when they saw him in practice but I think last week was a big help for him understanding what we do, getting the reps he did get. It's going to be waited and see thing, see how well he progressed. Obviously, he takes the majority of the reps."
"A team that had struggled, obviously, but confusingly had done remarkable through the first two quarters of every game and had those teams on the rope going into halftime…and for some reasons fall apart in the second half. They're a team that can play and play with heighten confidence with this new coach this week for him."


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SearchAll Refuges
All sessions for the Biology Adventure Camp are full for the summer. If you would like to sign up as stand by please call and let us know.
Please call (757) 301-7329 ext. 152 for more details and to sign up for a session. There is no fee for the program but a $5.00 entrance fee to the wildlife refuge applies. You may also purchase a year-long pass for $15.00.
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PhotoBook Awards 2013: New Arrivals Vol. 3
Highlighting a new selection of latest arrivals in the First PhotoBook category.
PhotoBook Awards 2013: New Arrivals Vol. 2
Highlighting a selection of the latest arrivals in the PhotoBook of the Year category.
PhotoBook Awards 2013: New Arrivals Vol. 1
Highlighting a selection of the latest arrivals in the First PhotoBook category.
David Galjaard, Cristina de Middel at PhotoIreland 2013
Concresco and The Afronauts will be on view in Dublin, July 14–August 2, 2013, as part of PhotoIreland Festival 2013.
Colin Greenwood on Cuny Janssen, Yoshino
Cuny Janssen Yoshino Snoeck Verlagesgesellschaft mbH Cologne, Germany, 2013 Designed by -SYB- 18 ¼ x 13 ¾ in. (46.3 x 34.8 cm) 54 pages 19 color photographs Hardcover snoeck.de Cuny Janssen's photographs of the sacred and beautiful Japanese mountain of Yoshino make you feel like you're there. Her camera directs your eye to the blossoms and branches, streams and forest floors. In one image you float, ghost-like, above the other tourists. She invites us to imagine we are sharing these views with the ancient writers whose texts are interspersed between Janssen's images. In combination with the texts, Janssen's photographs become an…
The PhotoBook Review is a publication dedicated to the consideration of the photobook—focusing on the best photography books being published, from the coffee-table book to the handmade artist's edition, and on creating a better understanding of the ecosystem of the photobook as a whole.


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Actor Henry Cavill arriving for a flight at LAX airport in Los Angeles, CA on February 11, 2012.
Please make sure to check out these great posts from our partners by clicking the links below:
- Michele Bachmann rips Howard Stern for "dragging her through the mud" in gay rights tirade. (Towleroad)
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- Kim Kardashian gives some massive cleavage. (Popoholic)
- Ray J leaving the Beverly Hilton Hotel on Saturday night. (Celebslam)
- Adele hangs with Anderson Cooper. (OMG Blog)
- Mario Loncarski by Saverio Cardia. (OhLaLaMag)
- Cutest animal gifs ever! (CityRag)
- Michael Lohan participated in the Pillow Fight Championships. (IDLYITW)
- Jennifer Aniston gets frisky with Paul Rudd. (The Berry)


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A superintendent with two-and-a-half years of experience running school districts was named the new leader of Nineveh-Hensley-Jackson schools, and officials hope he'll stay longer than a few years.
The board unanimously approved hiring Tim Edsell as superintendent of the southern Johnson County school district. Edsell is now interim superintendent of Anderson Community Schools and was the superintendent for Northeastern Wayne schools from January 2012 to September 2013. He also worked as assistant superintendent of Northeastern Wayne schools from July to December 2011.
Starting July 1, he will become the leader of Indian Creek schools, overseeing more than 100 teachers and making decisions on policies, budgets and projects that will impact more than 1,800 students.
Nineveh-Hensley-Jackson's last superintendent, Matt Prusiecki, left to become the head of Decatur Township schools after two years with the school district. Since then, Becky Courtney-Knight has been working as the school district's interim superintendent.
Board member Kathy Vest said her hope is that Edsell will stay longer with the school district and that Indian Creek teachers and students will benefit from his three years working as an assistant superintendent and superintendent at Anderson and Northeastern Wayne schools.
"Tim is moving into our community, already has experience, and I think he's excited about staying in our community awhile. We'd love to have some stability," Vest said.
Edsell has signed a three-year contract with the school district and will be paid $105,000 per year. The school district also will pay for his medical and dental insurance. Superintendents at Center Grove, Clark-Pleasant, Franklin and Greenwood schools earn salaries ranging from $135,000 to $187,000 per year and receive other benefits that vary by school district.
Vest said Edsell's experience leading school districts is one of the reasons he was hired. That experience will be essential next school year when teachers' salaries become linked to their annual evaluations, she said.
State law now requires school districts evaluate their teachers and administrators annually, and those evaluations must be considered before employees are given raises. Teachers at Indian Creek schools have a contract that runs through the current school year, so next year will be the first time their pay is impacted by their evaluation.
"This is uncharted territory for us," Vest said.
Edsell has worked with school districts that already have linked teachers' evaluations with their pay, and that experience will be helpful as Nineveh-Hensley-Jackson makes the transition, Vest said.
School board members also want to move forward with a building project at Indian Creek Intermediate School that would add a 53,628-square-foot wing to the school for pre-kindergarten through second-grade students. School officials have been considering renovating or replacing Indian Creek Elementary School, sections of which are between 28 and 75 years old and have leaky roofs, crumbling brick and spaces where bats and other animals are entering the school.
As superintendent, Edsell will help oversee the construction project and update board members and residents on its progress and any changes that might be needed.
Adding a wing to the intermediate school, which is where Indian Creek's third- through fifth-graders have class, would cost about $8.5 million. School districts don't need to ask voters to approve elementary school construction projects that cost less than $10 million.


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- MexicoHousingFunding via Kubo.financiero
Paulina Nat...MexicoHousingFunding via Kubo.financiero
Alfredo De ...MexicoRetailFunding via Kubo.financiero
El Durazno Group
Update on El Durazno GroupThe new group members are Imelda who will use the loan to buy insecticide and manure for her avocado orchard; Catalina who will buy notebooks, pencils, construction paper and Crayola crayons and Adriana who will buy seasonal catalogues, shoes and huaraches. The rest of the members continue with the activities they've been carrying out.
Catalina is 55 years old and a widow; she has seven children, six adult boys who are all employed and a 17 year old girl who is studying at the CBTA [Farming and Animal Husbandry Technical High School]. She sells crafts like ponchos, shawls, knitted capes, paper goods and fruit like peaches, pears, plums and flowers and sheep.
She asked for her loan to buy wool yarn, construction paper, notebooks, pencils, mechanical pencils, erasers, pencil sharpeners, modeling clay, colored pencils and crepe paper. She started her business 22 years ago needing to find a way to get ahead with her children.
She learned how to make shawls and ponchos from her mother. Her business is important because she obtains income that helps with her daughter's school costs and because it keeps her occupied.
She likes everything she does; in the afternoons she tends to her stationery shop. One day a week she sells flowers and two days a week she makes the shawls. She likes to make the shawls and ponchos and see them finished. She feels proud to have won a contest with one of the shawls she made. This is a popular business because of the indigenous crafts.
Her dreams and hopes are to make her stationery shop grow and to have services like photocopying and spiral binding and to see that her children become responsible people and that they don't lack anything. She is happy with the loan she's going to receive because she is going to expand the stationery shop.
The group members want to say to Kiva and to Fundación Realidad: "We thank you for your loans; you help us keep our businesses well-stocked and to live better with our families."
Previous Loan DetailsThis supportive group called El Durazno is made up of Libia, who is going to use her loan to buy walnuts; Florinda, Araceli and Rosa, who will buy wool yarn to make shawls, overcoats, bags and scarves; Domitila, who will buy fertilizer and manure for her avocados, limes, squash and raspberries; a... More from El Durazno Group's previous loan »
Additional Information
Concurrent and Successive Loans
Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.
This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva's lenders.
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
38View loans »
Success!! The loan was 100% repaid
- Repayment Term
- 5 months (Additional Information)
- Repayment Schedule
- Monthly
- Pre-Disbursed:
- Mar 6, 2012
- Listed
- Apr 10, 2012
- Currency Exchange Loss:
- Possible
- Ended:
- Oct 2, 2012


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Game just arrived in the mail yesterday - I've installed it twice now, and
reinstalled Live separately as well - type in my key during installation,
says the verification server verifies it. Launch the game, try to log into my
Live account (WestsideSxE) and they tell me my key is invalid. What the hell?
I deleted the local install of my Xbox Live profile and redownloaded it (that
was fun, couldn't even do it in Halo 2 because it kept screaming the key was
invalid, had to reinstall Shadowrun to get it on the PC) and still nothing...
any suggestions? Thanks


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Add some color to your costume with the Mardi Gras Feather Mask. This mask is a mix of purple, gold, and teal which are typical colors for the ever popular holiday. Pretend you're in New Orleans when you make this purchase.
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For once, members of the Indian team will take the field without a sword hanging over their heads. They have done well to seal the five-match One-Day International series against England in the fourth game in Mohali, having lost the opener in Rajkot.
It has given them a much-needed breather after their recent at the hands of the same side in the recent Test series and ODI series loss to Pakistan.
The fifth and the final match in Dharamsala provides them an opportunity to extend the three-match winning streak and consolidate their position atop the ICC ODI Rankings, as well as testing their bench strength, amidst perhaps the most amazing backdrop any cricket ground in the world has ever offered to players and spectators - a view of the snow-capped Himalayas.
'Toss will be crucial in nippy conditions'
India may have won the series against England with a game to spare, but they know the importance of the last ODI here and are aiming for a 4-1 margin, according to Suresh Raina.
"We would like to make it 4-1. It would look nice on the board. There are many young players in the side and they have performed well. Overall the team's morale is very high, and if we can make it 4-1, it will serve as a good base for the next World Cup," said Suresh Raina on the eve of the match. "There are new rules and new bowlers, so we need to keep the winning run going."
For more news from India Today, follow us on Twitter @indiatoday and on Facebook at facebook.com/IndiaToday
For news and videos in Hindi, go to AajTak.in. ताज़ातरीन ख़बरों और वीडियो के लिए आजतक.इन पर आएं.


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Need some help finding some box art to an Aurora model I had in the 70s. I figure if anyone can help me find it, you guys can!
This will show you what I'm looking for.
Thanks very much!
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OAKLAND, Calif. – Josh Hamilton is heating up at the right time, and Los Angeles manager Mike Scioscia hopes he can keep going.
Hamilton homered and drove in three runs, Mike Trout also went deep and the Angels regained the best record in baseball, beating the Oakland Athletics 9-4 on Sunday night.
"This is huge for Josh," Scioscia said. "You can see what he can bring from what he did today. He can control the game by himself."
Erick Aybar had two hits and two RBI and Kole Calhoun finished with three hits for the Angels, who ended a five-game losing streak to the A's in Oakland. Albert Pujols and Howie Kendrick each drove in a run as Los Angeles won for the ninth time in 12 games.
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"We needed a 'W' tonight," Trout said. "There are a lot of games left but any time you beat Oakland it's big."
Alberto Callaspo and Andy Parrino homered for Oakland, which had won three of four to move into a tie for the top spot in the AL West.
"It's not even about a series any more. We have to bear down every single day," A's manager Bob Melvin said. "When you take the first two, you always want the third one, but you can't complain when you take two of three."
Jered Weaver (14-7) struck out eight in 62/3 innings while improving to 7-1 with a 3.78 ERA in his last 13 starts. He allowed three runs and eight hits.
"It's nice to end the series on top of the AL West division," Weaver said. "This was obviously a huge game. We didn't want to get swept, and the offense was the story of the game."
• Oakland left-hander Sean Doolittle (strained right ribcage muscle) and infielder Josh Donaldson (knee) each had an MRI during Sunday's game. Doolittle went on the 15-day disabled list while Donaldson, who hurt his knee in his last at-bat on Saturday, is day to day.
• Yankees right-hander Masahiro Tanaka (elbow ligament) felt good after throwing 35 pitches in a two-inning simulated game.
• Dodgers shortstop Hanley Ramirez was reinstated from the disabled list and was 0 for 4 with two strikeouts after missing 14 games because of an oblique strain on his right side.