text:
Interesting articles
Application notes
- Cable TV and RigExpert analyzers
- 3D visualization of bandpass filter characteristics
- Four 50-Ohm N
- Using RigExpert TI-5, Standard or Plus interfaces in FSK mode with MMTTY - the EXTFSK way
- Using RigExpert
TI-5, Standard or Plus interfaces in FSK mode with Ham Radio
- Transmission line
measurement with Zplots
- USB-thermometer
for digital modes, APRS and EchoLink (in Russian language)
with SMD-parts: ALTERA PLD and ATMEL microcontroller
programming (in Russian language)
function generator with "jumper" controls build around ATMEL
PLD (in Russian language)
- Atmel AVR
speach processing (in Russian language)
- A short review of antenna and network analyzers
- AT89C2051-based
universal digital frequency meter (in Russian language)
- AD8307-based
RF power meter made of cheap multimeter (in Russian
- Panoramic
(in Russian language)
- Antenna
parameter measurement: old principle, new components (in
Russian language)
bridge for HF, VHF and UHF antenna parameter
measurement (in Russian language)
- The most simple digital capacitance meter (in Russian language)
- Portable spectrum analyzer for 2.4-2.485 GHz (in Russian language)
- Regulated load with current stabilization (in Russian language)
- Testing standard and custom-made cables
- A very cheap antenna analyzer for HF bands
- miniVNA Tiny - a
few experiments
- Mastering
the 10 GHz band! (in Russian language)
- Super-VOX.
Forming PTT out of the AC'97 codec signals (in Russian
- 300/1200/2400/4800
baud KISS TNC with 80C31 microcontroller (in Russian
- KISS TNC for
1200/2400/4800 baud based on the FX469 modem chip and 80c31
microcontroller (in Russian language)
- Microcontroller-based
circut for the direct conversion receiver (an idea) (in
Russian language)
- Building
the 2.4 GHz transmitter (in Russian language)
- "Time
backwards" or "crazy hands" (in Russian language)
- Solar powered flashing light (in Russian language)
- Which program
is using a serial port?
Visitors' comments
Comments: 1. Page 1 of 1. Add new.
Ricardo XE1XNP
Postd at 7:29pm on Tuesday, November 13th, 2012
Excellent the best Analyzer my mod and contribution for the owners are: Protects the Display by your expensive RigExpert Analyzer with rubber feets and the AC MAXX Hard LCD Protector (for model: Panasonic DMC- LX7 LX7s DMC LX7 widescreen) MUST SEE THE VIDEO On YOUTUBE : RigExpert AA-520 Antenna Analyzer with AC MAXX Hard LCD Protector


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V4 Carrara Texture Installation Location
mdelaflor Posts: 0
edited December 1969 in Carrara Discussion
Does anyone know where I should install the V4 textures specific to Carrara?. The files are JPG and CBR. I am assuming these should be installed in the Carrara presets folder but I am not sure how to do that correctly.
forsaken Posts: 12,265
you can, but if you put them wherever you like, you can always add the folder to the browser.
mine are on my external drive along with all my Carrara scenes and objects (under presets and textures for the jpgs)

subset: commoncrawl


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|function: NourishingHydrating
|category: Hand Cream
Nivea Hand SOS Intensive Balm is suitable for very dry skin. With an effective combination of Glycerin, Pantheno and Calendula Oil, the intensive balm instantly moisturizes the delicate skin of your hands. Leaves your hands soft and supple.


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text: Bob Molaro Renewed Push For Casinos, But Regulators Still Worry About Chicago By Brian Mackey • Oct 24, 2013 Brian Mackey/WUIS Illinois lawmakers on Wednesday heard from supporters and opponents of allowing more casinos in Illinois. But they're no closer to making a deal. Gambling was a big issue earlier this year, but negotiations fell apart in May, at the end of the spring legislative session. Since then, attention has moved to other issues, like the state's underfunded pension systems. On the table are five new casinos — in Chicago and its north and south suburbs, in Rockford, and in Danville. The plan would also allow slot machines at horse racetracks.


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If you have recently started judo after your 4th session you are required to take out membership with
JudoScotland to maintain your individual insurance, and the opportunity to further your Judo training. You will need to complete the form attached below and ask your club coach to confirm that you are a member of a club and what grade you are. Once this is completed, please post the form along with the relevant payment into JudoScotland. The membership will be processed in 5 working days, your new membership will include a licence, record book, certificate and JudoScotland badge will be posted to your home address.
After you become a member JudoScotland will send you a membership renewal reminder a month before your membership expires. You can then renew your membership and pay over the phone, via the online portal or post the reminder slip back.
What are the membership categories?
There are six categories of membership:
- Junior (Under 8) membership is available to members aged five to seven and is renewable annually. Where the member is aged seven when taking out this membership they may take part in competitive judo after their eighth birthday.
- Junior membership is available to players aged between eight and fifteen years old (inclusive) and is renewable annually.
- Senior Membership is issued to members aged sixteen and over, and is renewable annually.
Family Memberships - which include Kids Under 8, Kids Junior and Kids Mixed – these are for family combinations – see below.
How much do I pay? Prices as of 1 March 2012
Membership fees, which are non-returnable, include postage at current second class rate. JudoScotland offer membership discounts and replacement licences/record books. Please see fees below.
|Amount £
|Junior (Under 8) Membership
|Junior Membership
|Senior Membership
|Kids Under 8 : Two Children under 8
|Kids Junior: two under 16 but over 8
|Kids Mixed: one child under 8 and one under 16
|Overnight/Express Processing
|Replacement Licence
|Replacement Blue book (record book)
|Junior Grading (Kai and Mon)
|Senior Grading (Kyu)
|Dan grading
How can I renew my membership?
If you are a current member and need to renew your membership you can do it by the following methods;
Online Portal: This can be accessed through the Members Area of the JudoScotland website by entering your membership number and clicking First Time Access.
Phone: You can phone JudoScotland on 0131 333 2981 and renew over the phone. Please have your membership number and card details ready.
Direct Debit: For renewals only. Please complete the Direct Debit Instruction and return to JudoScotland with your renewal form.
Post: If you have received a renewal reminder you can post this back to JudoScotland with your card details or a cheque made payable to 'JudoScotland'.
Note: Please use your/all membership numbers as the reference in the Direct Debit Instruction
How long does it take to process?
We aim to process Memberships (new and renewal) within 5 working days and after this your new membership slip and receipt will be posted to your home address.
If you have a change of address it is your responsibility to ensure that JudoScotland have your new address to ensure that you receive all JudoScotland correspondence.
What if I need my membership for a competition?
If you have an upcoming tournament and you need to get a JudoScotland licence urgently please phone the JudoScotland office and we can process and post you your licence within a day for a £6 administration fee.
I have lost my licence?
If you have lost your licence please phone the office on 0131 333 2981.


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All Australian Journeys is a family owned award winning coach and guided tour travelling organisation that has operated for over 20 years.
You can travel with All Australian Journeys all over Australia and internationally, guests are typically over 50 years and enjoy activities such as bushwalking, swimming and other special events.
All Australian Journeys has a huge diversity of tours with something for everyone, tours are all inclusive and fully guided so you focus on creating unforgettable memories and making new friends.
All Australian Journeys is owned by Robert and Jenny Aitchison; 'Robert's Famous Homemade Morning Teas' are a highlight of their Australian tours.
The company was the first national coach tour operator in Australia to carbon offset all emissions. All Australian Journeys is a fully licensed travel agency and can take care of all your travelling requirements.
All Australian Journeys - Thornton
All Australian Journeys is a family owned award winning coach and guided tour travelling organisation that has operated for over 20 years.
Singles in the SnowyBreak away into the fresh air of the New South Wales High Country. Explore townships that played key roles in the construction of the Snowy Mountains Hydro-electric Scheme. Taste local produce and take in the beauty of the Snowy Mountain landscapes. This is the popular Cooma and the Snowy tour, share with a friend if you would like to or enjoy a room to yourself with no single supplement to pay. Highlights include: Fedra Olive Grove Cooking Demonstrations, Cooma-Monaro Railway, Snowy Mountain Vistas, Wild Brumby Schnapps Distillery, Snowy River Winery and Cooma Correctional Centre Museum.
Tour includes luxury coach travel and all attractions as noted in the itinerary (excluding optional activities) and 15 meals (breakfast, lunch, dinner).
|Start Location
|Hunter, Thornton Tuggerah Hornsby Strathfield
|Adaminaby Snowy Mountains, Adaminaby
|Travel by
|$935.00 Price Range The price quoted is per person, sole use or twin share. Save AUD30 if you are a past traveller, otherwise receive a discount voucher you can use on your next trip! Rates subject to change and availability.
Merimbula and EdenTour highlights include: Boyd's Tower Whale Watching Lookout, Harris Daishow Chip Mill, Whale Museum, Eden Wharf, Tathra Memorial Garden Lookout, Bega Cheese Factory, Short Point, Bar Beach, Merimbula Wharf, Wheelers Oysters, a lunch cruise on Broadwater Lake, Kameruka Estate, Foxglove Gardens plus more!
|Start Location
|Thornton Newcastle Tuggerah Hornsby Strathfield
|Merimbula Bega Eden
|Travel by
|$1229.00 Price Range Per person twin share (single supplement AUD250). Please note that this price is for departure on 1 October 2012. Rates subject to change and availability.
Hunter Holidays Two Night Getaway - JandraStay in new and unique eco-friendly accommodation, set in a bushland environment with a resident mob of kangaroos, the ultimate location to stay while you explore the Hunter.
Midweek Package - Dinner, Bed and Breakfast Package and Winery Tour. Enjoy a peaceful two night stay amongst the trees with dinner at The Old George and Dragon Restaurant plus a winery tour (Thursday).
Weekend Package - Dinner, Bed and Breakfast Package and Winery Tour. Relax in the wilderness for two nights with a dinner at The Old George and Dragon Restaurant and winery tour (Saturday).
|Start Location
|Strathfield Hornsby Tuggerah Newcastle
|Hunter Valley Wine Country, Maitland
|Travel by
|$685.00-$840.00 Price Range Two night stay - price is per couple. Rates subject to change and availability.
Lightning Ridge, Warrumbungle featuring Western Plains ZooExperience the rugged mountain ranges of the Warrumbungle National Park, the unique opal mining town of Lightning Ridge and the wide open plains of Taronga Western Plains Zoo. This six day tour shows the amazing highlights and beauty of outback New South Wales.
Features include: two nights at Lightning Ridge, Siding Springs Observatory, Warrumbungle National Park, the "Black Queen" Museum, Therapeutic Hot Artesian Spa Baths, Underground Opal Mine, Bevan's Cactus Nursery, fossick for Opals, John Murray's Art Gallery and Western Plains Zoo, Dubbo.
Tour Includes: accommodation, 15 meals, all entrance fees on the itinerary, luxury coach touring and travel and Robert's Famous homemade morning tea!
Pick up points: Strathfield, Hornsby, Tuggerah, Kariong, Doyalson, Swansea, Belmont, Charlestown, Lambton and Thornton.
|Start Location
|Strathfield Hornsby Central Coast, Tuggerah Newcastle
|Coonabarabran Western Plains Zoo, Dubbo Warrumbungle
|Travel by
|$1494.00 Price Range Prices are per person Twin Share (single supplement AUD305). AUD50 loyalty saver for past passengers. Receive a discount voucher for future travel. Rates subject to change and availability.
Narrabri and Mount Kaputar - The New WestTour highlights include: Water Ways Wildlife Park in the Koala Capital of Australia, award winning Federation Farm at Wee Waa, Mount Kaputar and Sawn Rocks, barbecue dinner, Mount Kaputar Winery, Narrabri Town Tour, Old Gaol Heritage Centre, Australian Telescopes, Yarrie Lake, Pecan Farm at Moree and Moree Hot Artesian Spa.
Includes 16 quality meals in addition to Robert's Famous Home Made Morning Tea. Free pick ups from various departure points in the Sydney and Hunter area.
|Start Location
|Strathfield Hornsby
|Travel by
|$1498.00 Price Range Prices are per person twin share and single supplement is an additional AUD300. Past passengers receive a AUD50 discount voucher. Rates subject to change and availability.


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A very picturesque and "postcard" scene. Great photo.
This was the destination of a daytrip from Bend Oregon. It was a Lloonngg Trip. Started out at 5am made it back 13 hours later..
Next time I'll stay the night in Baker City.. :)
Very intresting color series .... sory my english .....
Thank you for your kind words. Your english is good!
Hey Guys. I have not been on PanOramio for quite a while. I stopped posting image here because of the use of my images via Google through their API without compensation. This past year I had thought about coming back but as it stands now with PanOramio closing down its service I'm going to be removing my images..
Thanks for the Million+ views and 1000's of comments since 2005
You can view my images or follow me on -Sacred Earth Studios Web Gallery -Google+ -Facebook Sacred Earth Studios. -Twitter @ScrdErthStudio
Photo taken in Baker County, OR, USA


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does the job
This review is from: Gefen EXTDVIEDIDN Video Capturing Device
Pros: - Works as advertised.
Cons: Wish it was smaller (not that it is big).
Other Thoughts: If you use Win 7 with a KVM, there's a good chance you need this product. It will keep a video card from changing resolutions when you switch to another PC on the KVM - a problem with Win 7, but not Vista or XP.
1 out of 1 people found this review helpful. Did you?
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text:
I was running this Vista ultimate laptop since a year now but due to some problem I needed to reformat. As I dont have the bootable CD am trying to install Vista using flat installation as mentioned in this KB http://support.microsoft.com/kb/928902) but every time I get an error message saying:
Windows couldn't load required file WinSetup.dll. The file may be corrupt. To install Windows, restart the installation. Error code: 0x45a.
I tried searching web and Microsoft articles for some help but dint found anything helpful. Do anyone here have any information regarding this error? How can I fix it? Many thanks.


text: As I am having some issues with my latest version of adobe flash player 22.214.171.124 I dont know what is the actual reason by which I am not able to watch every video . I am making use of Firefox (9.0.1) with the newest Flash Player (18.104.22.168) on Windows 7 64-Bit. And also for safety I am making use of "Microsoft Windows Security Essentials" along with the Windows Firewall. Ni tried with different things but not able to solve . Youtube or livestream.com isn't a problem, but I am not able to watch twitch.tv otherwise megavideo.com. On twitch.tv I am only able to observe a black frame and there is sound, play/pause button which it used to be in the previous version. And regarding the Megavideo.com it just tells me to have an install of the Flash Player.


text:
Several methods are available for the biopsy of the pleural lung covering. Your pleura is a large, thin sheet of tissue that wraps around the outside of your lungs and lines the inside of your chest cavity. Patients that have thickened pleura or have pleural fluid (pleural effusion) with pleural changes may benefit from this procedure. This procedure is done on an outpatient basis using local anesthesia in the skin. A pleural biopsy instrument is placed through the skin into the abnormal pleura and a small biopsy of tissue is removed.
At UC San Diego Medical Center's Interventional Pulmonology Unit, the following interventional pulmonologists specialize in performing closed pleural biopsy:
All referrals will still have the option of continuing their treatment with their primary care physicians after the closed pleural biopsy.
Interventional PulmonologyUC San Diego Medical Center, 3rd Floor, South Wing200 West Arbor DriveSan Diego, CA 619-543-5840
UC San Diego | School of Medicine | Health Sciences


text: Posted July 15, 2013 I'm just gonna get this off my chest here. If I see a car broken down on the side of the road and they have a sticker on the car in support of the Steelers, Cowboys, Saints, Falcons, Giants, Eagles, Bucs etc., their ass is getting passed on by. I will honk and extend my middle finger. Phew, feels good to get that off my chest. LOL, I think broken down cars are a little less life-threatening than what Gleason is dealing with, though. But I understand the sentiment. Share this post Link to post Share on other sites


text:
Rings, gifts and a win for Heat over Bulls, 107-95
MIAMI They got their rings before the game, then a challenge as it was winding down.
The Miami Heat responded to both.
Shane Battier went 4 for 4 from 3-point range, including a critical shot from the right corner with 1:33 remaining, and the Heat wasted most of what had been a 25-point lead before holding off Derrick Rose and the Chicago Bulls 107-95 Tuesday night in the season-opener for both teams.
"You never know what to expect when you're trying to keep the main thing the main thing, and that's the game," Heat coach Erik Spoelstra said. "But you can't deny the emotions and what a special moment it was for everybody in the organization because we know how difficult that was and how harrowing that was last season. So it was great to actually get the win after that to cap off a very good night for the Miami Heat."
LeBron James had 17 points, eight assists and six rebounds for Miami, which got its 2013 NBA championship rings and raised the franchise's third banner in a pregame ceremony. The Heat trailed 9-2 early, then outscored Chicago 52-24 over the remainder of the first half.
Rose finished with 12 points in 34 minutes in his first regular-season game since a serious knee injury in April 2012. Carlos Boozer had 31 points and seven rebounds for Chicago, which got within eight points in the final minutes.
But Battier's right-corner 3 - a staple for the Heat - snuffed out the comeback, and Miami wasn't in trouble again.
"We're not trying to pull close. There were a lot of corrections that we have to make," Bulls coach Tom Thibodeau said. "It always comes back to the same thing - our defense and our rebounding. And if we could have taken better care of the ball early on, we would have been in position to win down the stretch."
Chris Bosh scored 16 points, Battier finished with 14 and Dwyane Wade and Mario Chalmers each had 13 for Miami, which had seven players score in double figures. Ray Allen and Norris Cole each scored 11 for Miami.
Rose shot 4 for 15 for the Bulls.
"I think we had a lot to do with it," Allen said.
Said Rose: "If anything, I'm disappointed in the loss. My performance, I can easily change that by making shots and keep down the turnovers."
By halftime, Miami was rolling, up 54-33 - putting the game on pace for a 108-66 final, which would have exactly matched the score of the game in 2006 when Chicago came into Miami and spoiled the Heat franchise's first ring night.
Not this time, though the Bulls made it plenty interesting down the stretch.
A layup by Jimmy Butler with 5:34 left got the Bulls within 15, and after he missed the ensuing free throw, the rebound made its way to Kirk Hinrich - who made a 3-pointer that cut Miami's lead to 91-79.
Hinrich fouled out on the ensuing Miami possession. Wade scored seconds later, the Heat followed that with a stop, and James simply overpowered Luol Deng in the post on the next trip to restore the 16-point lead.
But again, the Bulls weren't done, cutting the lead to 95-87 on a drive by Boozer with 2:47 left. They would get no closer, and James raved about Miami's balance.
"It's a team game," James said. "That's what this team is put together for."
Rose's start was promising early, with two drives for impressive scores. The Bulls led 15-10 when Rose checked out for the first time with 3:36 left in the opening quarter.


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I think most can agree with me when I say that Katy Perry's performance at this year's Superbowl was nothing short of a powerhouse. From arriving on a giant robotic tiger to dancing beach balls and a shooting star finale, she rocked through it all while donning her signature quirky and colorful outfits.
A few days after the Superbowl, I was listening to the radio and heard that Katy Perry earned quite a nickname for herself. Whether you find it adorable or odd, the nickname has stuck. Fans in China now refer to Perry as "Fruit Sister" because of the many fruit costumes she wears.
But that's not all. It seems that it's common for Chinese fans to give their favorite celebrities nicknames. China Daily released a lengthy list of celebrities who were also given strange monikers and the reasons behind them. Here are a few interesting ones:
Before Kim Kardashian broke the internet, Jennifer Lopez's behind had already made a name for itself. In fact, "Lopez" sounds so similar to the Chinese phrase "Luo pe zi" that fans gave her the nickname. The translation? Lopez is known as "Lord of Butt."
Another celebrity with a name-inspired nickname is Nicki Minaj. For her Chinese fans, "Minaj" sounds similar to "ma la ji," which translates into… "Numbing Spicy Chicken." Cluck cluck! Fans claim, however, that the term also refers to how "hot and stunning" Minaj is and it leaves them wanting more. They clearly mean well, but we would have that same look on our face if "Numbing Spicy Chicken" was our nickname, too.
No woman wants to be called a cow. Unfortunately, Mariah Carey is dubbed "Cow Sister" to her Chinese fans. But she shouldn't worry! According to Travel Pulse, the phrase literally translates into being "f-ing awesome." If that's the case, I wouldn't mind being called Cow Sister, either!
It seems Chinese fans are quite creative when it comes to nicknaming their favorite celebrities and it may be a sign of affection towards their idols. What would you nickname your favorite celebrity?
Feature image courtesy of chinadaily.com


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Today in U.S. Naval History - May 29
1781 - Frigate Alliance captures HMS Atalanta and Trepassy off Nova Scotia
1991 - Amphibious Task Force in Bangladesh for cyclone relief redeployed
For more information about naval history, visit the Naval History and Heritage Command website at history.navy.mil.
Maritime Today
The Maritime Industry's original and most viewed E-News Service
Philippine President Benigno Aquino on Thursday accused China of breaking a U.S.-brokered deal between the two nations on the Scarborough Shoal, an uninhabited rocky outcrop in the South China Sea.
The US Navy released updates to the Special Duty Assignment Pay (SDAP) for eligible enlisted Sailors in NAVADMIN 120/16, May 25.
The SDAP program enhances the Navy's ability to size,
The U.S. Navy (USN) and the Royal Thai Navy (RTN) kicked off Exercise Guardian Sea, Andaman Sea comprising bilateral naval training drills that aim to enhance
USS Mount Whitney (LCC 20), the U.S. 6th Fleet flagship, made history today as the first amphibious command ship to have an MV-22B Osprey land on its flight deck, May 23, 2016.
A participant in a diving field school last fall, graduate student Tori Kiefer is back to help a new set of students learn the joy of surveying shipwrecks.
Last fall,
1917 - The first U.S. convoy left Hampton Roads, Va. to cross the North Atlantic after entering World War I. During the 18 months of war while American vessels escort convoys through the war zone,


text:
Description from the manager
Description from the manager
Bedrooms: 3/
Bathrooms: 5/
Sleeps: 12/
Type: House
Relax and unwind after a day exploring the slopes of Canyons Ski Resort in the luxurious and well appointed one, two three or four bedroom suites at the Sunrise Lodge. You'll relish being only steps away from the charming Canyons Resort Village which hosts shopping, dining, and nightlife.
Sunrise Lodge is only moments away from Park City's Historic Main Street, Park City Mountain Resort, and Deer Valley. Luxuriate in the comforts of home, take in breathtaking views of the ski slopes from your condo, get in an early morning workout in the fully equipped fitness facility, or hop on a free shuttle and explore all Park City has to offer. It's ...Read more
About the manager
About the manager
Resort Property Management
About the owner
Resort Property Management
- Response rate: n/a
- Response time: n/a
- Calendar updated: 18 months ago
Overall rating:


text:
RESPA stands for "Real Estate Settlement Procedures Act." This is
the law that says that you should be given certain information when you are purchasing
a home. HUD enforces only what is covered under the RESPA law. Here are some questions
and answers that will help you to understand the law and your rights.
For A Loan And Before The Settlement
I made an application for a loan, but I did not get a Settlement Costs Booklet
or a Good Faith Estimate. What should I do?
You should contact the lender or mortgage broker and ask for them. The lender
or mortgage broker is required by RESPA to send these documents out within three
days of receiving the application. The lender is only required to give you a booklet
if you are purchasing a home. If the lender denies your application within three
days, it is not required to give you these documents.
to top
the Good Faith Estimate
Should I expect the Good Faith Estimate to list the exact charges that I will
pay at settlement?
No. The Good Faith Estimate is only an estimate or range of charges. For example,
the lender may not know the costs for a settlement agent that you choose, or the
exact amount that will be collected for an escrow account for taxes and insurance.
What rights do I have if the charges I must pay at settlement are higher than
those listed on the Good Faith Estimate?
RESPA does not give a consumer the right to sue in this circumstance.
The best protection is to let the lender and settlement agent know that you will
want to see the HUD-1 Settlement Statement one day in advance. You should question
any amount that you do not understand.
to top
10: Escrow Accounts
and Escrow Accounts in General
10 of the Real Estate Settlement Procedures Act (RESPA) limits the amount of money
a lender may require the borrower to hold in an escrow account for payment of
taxes, insurance, etc. RESPA also requires the lender to provide initial and annual
escrow account statements. The newest escrow account regulations became effective
in October 1997.
is covered under RESPA
Does RESPA require borrowers to maintain an escrow account?
Answer No. It is the lender's decision whether the borrower must maintain
an escrow account for the purpose of paying taxes and other items. The HUD regulations
only limit the maximum amount that a lender can require a borrower to maintain
in an account.
RESPA does NOT cover and who can help
following questions are frequently asked by consumers about the loan process,
but the issues are not covered under RESPA. For more information regarding
these issues, contact the agency that administers the governing law.
I applied for a loan at 7 1/2 percent, but when I got to settlement the lender
charged me 8 percent. Is this a RESPA violation?
No. However, the Truth-in Lending Act (TILA) requires that you get
a disclosure concerning the interest rate. TILA is administered
by the Board of Governors of the Federal Reserve System. (See
Consumer Complaint Reference List).
I asked my lender for a copy of the real estate appraisal but the lender has not
sent it. Is this covered under RESPA?
No. Under the Equal Credit Opportunity Act (ECOA) the mortgage broker or lender
must tell you how and when you can ask for a copy of your appraisal. ECOA is administered
by the Board of Governors of the Federal Reserve System. (See Consumer Complaint
Reference List).
My lender says the home I am buying is located in a flood zone and I must purchase
flood insurance. What can I do if I don't believe this information is correct?
The National Flood Insurance Reform Act of 1994 provides for lenders to purchase
flood insurance on behalf of borrowers/owners of properties in a special flood
hazard area. It is administered by the Federal Emergency Management Agency
(FEMA). If you disagree with the lender about whether the property is
located in a special flood hazard area, you may make a request to the FEMA Mapping
Assistance Center to determine whether the property is located in such an area.
The toll free number for requesting FEMA re-determination is 1-877-336-2627.
to top
Escrow Account Cushions
Does RESPA require lenders to maintain a cushion?
Answer: No. The RESPA statute and regulations do not require
the lender to maintain a cushion. However, since 1976 the RESPA statute has allowed
lenders to maintain a cushion equal to one-sixth of the total amount
of items paid out of the account, or approximately two months of escrow payments.
If state law or mortgage documents allow for a lesser amount, the lesser amount
new accounting method generally requires borrowers to maintain lesser amount in
the account than the single-item method predominately used by lenders. However,
many lenders have recently increased the escrow account cushion to the maximum
allowed by law.
recent regulations require lenders to reduce the size of the cushion in some accounts.
Unfortunately, to avoid customer disapproval, some lenders may be giving their
customers the impression that the HUD regulations require them to make this increase.
This is a false impression. The lender, not HUD, has chosen to increase the cushion.
Can HUD require lenders to pay interest on escrow accounts?
No. In
1992 and 1993, legislation was introduced in Congress that would have required
lenders to pay interest on escrow account balances, but it never passed. Some
states do require interest to be paid on escrow account funds, but many do not.
Escrow Accounts
How do I figure how much money the lender is allowed to require in my escrow account?
HUD cannot figure out your own escrow account cushion and payments.
Please use the following steps and example to help you estimate the amount of
money you may be required to put into your own escrow account, either a new or
existing account, under aggregate accounting:
[If you have a payment like flood insurance, which is paid every 3 years, you
must project a trial balance over that 3-year period.]
any cushion your lender requires to the monthly balances. The cushion may be a
maximum of 1/6 of the total escrow charges (1/6 of $1560 = $260).
this example, $1040 is the maximum amount the lender should require in the account.
The account should fall to the cushion at least once during the year. In this
example, it is in December ($260).
New Accounts -- In this example, if you settled May 15, and the first payment
was due in July, $1040 would be the maximum amount you should be required to place
in an escrow account. If your lender requires less than the maximum cushion, the
amount would be less.
Existing Aggregate Accounts -- In this example, during escrow analysis, the lender
would compare the required amount of $1040 to the actual balance in your account
in June. For example:
If your balance is $1076, there is a surplus of $36. Your lender may choose to
apply any surplus less than $50 to future payments, reducing your monthly escrow
payment to $127, or may choose to return the surplus to you.
If your balance is $1090, there is a surplus of $50. The lender must return any
surplus of $50 or more to you within 30 days of the analysis.
If your balance was $940, there is a shortage of $100. This amount is less than
one month's escrow payment and the lender may ask you to pay this amount within
30 day or may spread it out over a year.
If your balance was $800, there is a shortage of $240. The lender must spread
the collection over at least 12 months. If the lender spreads the shortage over
12 months, your monthly escrow payment would increase to $150.
If you have a deficiency in your account (where the lender has to use his own
funds to pay a bill), you may have to reimburse the lender sooner than over 12
months. If the deficiency is less than one monthly escrow payment, you may have
to repay the lender in 30 days. If the deficiency is more than or equal to one
monthly escrow payment, the lender may require you to repay the amount over 2-12
in Escrow Accounts and Payments
My escrow account payments went up, rather than down. Why?
There could be a couple of reasons why your servicer is charging more for your
escrow account. First, your bills may have gone up and the account changed to
reflect that. Or, the servicer has changed the amount of cushion to the maximum
amount allowed by RESPA. Check your statement from the servicer. You may also
want to check your loan documents to figure out what is the appropriate cushion.
If the mortgage loan documents are silent on the amount of the cushion or pre-accrual
practices, then the RESPA "two month" limits apply, unless state law provides
for a lower amount.
What is the disbursement date for paying escrow account items?
The disbursement date means the date on which the lender actually pays an escrow
item from the escrow account. However, the lender must pay the items in a timely
manner, that is, on or before the deadline to avoid a penalty. This is required
as long as the borrower's payment is not more than 30 days overdue. Borrowers
should review their annual escrow statement to make certain the lender did not
make late payments and charge any penalties to the borrower's account. (See
Homeowner Alert)
with Your Lender or Insurance Company: Taxes, Insurance, RESPA and Escrow
I got a notice from the county that my lender did not pay my taxes on time and
the county is assessing a penalty. Do I have to pay this bill?
Send the bill to the lender. The lender should pay the penalty for failing to
pay the taxes on time as long you were current in your mortgage payments. If the
lender refuses, you may wish to follow the guidelines for filing a complaint.
Are lenders required to pay taxes on an annual basis if a discount is offered
to the consumer?
Answer: No. The Department published a new rule in the Federal Register in January
1998. The rule clarifies what a lender should do when a taxing jurisdiction offers
a choice of payment on an installment basis or an annual basis. If there is a
discount to the consumer when disbursing on an annual basis or there is an additional
charge for disbursing on an installment basis, the lender may disburse on an annual
basis. Otherwise, the lender should disburse tax payments on an installment basis.
The borrower and the lender may mutually agree to another disbursement basis or
date. The Department encourages lenders to follow the preference of the borrower.
What steps should I take if the lender does not pay my hazard insurance on time
or at all and my insurance is canceled?
Lenders are required by Section 6 to make escrow account disbursements on time.
If a lender fails to do so, a borrower may bring a private law suit under this
Section. Therefore, if you incur any damages due to the lender's negligence, you
may wish to consult an attorney.
should also contact your lender immediately and send a copy of the bill. Some
lenders list a special address and/or FAX number for insurance and tax bills.
Keep checking with the insurance company to make certain the bill is paid. You
may wish to pay the insurance company directly to avoid cancellation of your policy
and then seek a refund from your lender. Keep copies of all your correspondence
and payments. If you incur any damages due to the lender's negligence, you may
wish to consult an attorney.
I got a notice that my hazard insurance has been canceled. My lender force-placed
hazard insurance with a different company and it costs a lot more. Can a lender
do this?
As long as your mortgage payment is not more than 30 days late, Section 6 of RESPA
requires the lender to make escrow payments, for taxes, insurance, etc., in a
timely manner. You should write to your lender and complain. If your lender does
not refund the difference or otherwise resolve your complaint satisfactorily,
you may wish to file a complaint with HUD or the Consumer Protection Office of
your State Attorney General's Office. You may also wish to consult an attorney.
My loan was transferred to a new lender. I made my loan payment on time, but to
the old lender. Can I be charged a late fee?
Answer: No. For 60 days, neither lender may charge a late fee as long
as you make your payment on time to the previous lender or to the new lender.
Your lender must send you a notification 15 days before your payment is due to
the new lender. Both lenders must provide you with certain information about the
loan transfer, including: when the payment is due to the new lender, the new lender's
address, toll-free telephone numbers, etc.
What steps should I take if I think the lender is requiring too much money in
my escrow account?
First, figure out the maximum amount RESPA allows to be required in your escrow
account from the example. If you still believe your lender is requiring too much
money, you should contact your lender for an explanation.
6 of RESPA provides that borrowers may make a "qualified written request" to the
lender concerning the servicing of their loan account. The request should not
be included with the monthly mortgage payment. The lender must acknowledge the
complaint within 20 business days and must resolve the complaint within 60 business
days by correcting the account or giving a statement of the reasons for its position.
If you do not get a satisfactory answer from the lender, you may wish to file
a complaint with HUD. You should continue to make your mortgage payment during
this time.
Tips: Do's
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Editors' Note: The download button opens the iTunes App Store, where you may continue the download process. You must have iTunes installed with an active iTunes account in order to download and install the software. This download may not be available in some countries.
Publisher's Description+
What's new in this version:
- New HD graphics for iPhone 4, iPhone 4S, and iPhone 5.


text:
What: Portland Financial Planning Day. Financial planners donate their time to advise people on their finances
When: 10 a.m. to 4 p.m. Oct. 22
Where: The Portland Building, 1120 SW 5th Ave., second floor, Portland.
Information: Register at Financial Planning Days or call 877-861-7826
What: Portland Financial Planning Day. Financial planners donate their time to advise people on their finances
When: 10 a.m. to 4 p.m. Oct. 22
Where: The Portland Building, 1120 SW 5th Ave., second floor, Portland.
Information: Register at Financial Planning Days or call 877-861-7826
At age 53, Vancouver resident Tammy Howard has put in enough years working at the U.S. Department of Veteran Affairs to be eligible to retire. But with mortgage debt that's more than her home's value and insufficient savings, retirement doesn't appear to be realistic at age 65.
In the wake of the economic downturn, many baby boomers, those born between 1946 and 1964, are not prepared for retirement.
"Personally, I don't know if I'll ever be able to retire," Howard said.
Like everyone else, baby boomers were impacted by the recession through job loss, homes lost to foreclosure, plummeting property values and money drained in the stock market.
Some baby boomers also may have something else against them: the general appetite and attitude of their generation. Born in a time of prosperity, baby boomers lead younger generations in the nation's spending spree, poor saving habits and propensity toward accumulating debt, local financial experts said. Baby boomers also have generally seen themselves as eternally young, which may not lend itself to a realistic outlook when preparing for retirement.
"There is definitely a different generational personality of baby boomers versus people who lived through the Depression and were focused on saving," said Cory Bolkan, assistant professor of gerontology at Washington State University Vancouver.
Working Longer
Washington baby boomers are aware many of them will have to work past retirement. Just 14 percent of those 50-plus expect to stop working for pay at retirement age, according to a 2011 AARP survey of state residents. About 26 percent hope to work their current job after retirement age for as long as they can. Others plan to either reduce their hours, work a different part-time job or start a new career or business. Although some are choosing to work longer because they enjoy it, many also need the money.
The Great Unknown
Nearly half of them have not attempted to estimate how much they'll need for retirement, and about 24 percent of them have no retirement or personal savings whatsoever, according to AARP.
"They have their heads in the sand because they really don't want to know; they're scared," said Bryan Anderson, a financial planner with Edward Jones in Camas. "Some are hoping to inherit money from elderly parents. With the cost of long-term care, they may or may not," Anderson said. "They're planning on winning the lottery. They're the ones in the precarious situation."
Face the Facts
Anderson's first piece of advice to his clients is to simply face reality.
"They don't want to hear the bad news," Anderson said. "It's going to be there whether you like it or not, so you might as well face it. People need to understand they're not the only ones."
Estimate how much you'll need for retirement by consulting a financial planner or an online calculator. A calculator can't predict what will happen in the economy, but it can give you a goal to target.
Local financial planners, including some from Clark County, will give free consultations Oct. 22 at Portland Financial Planning Day at the Portland Building, said Heidi Johnson Bixby, a certified financial planner at downtown Vancouver's Johnson Bixby & Associates LLC. She plans to volunteer at the event.
Once you know how much you need, you can start planning and estimating when you'll be able to retire.
Anderson has done the calculation for himself and knows he'll have to wait until he's 70 to retire in order to save enough to live at his current lifestyle.
Don't Depend Solely on Social Security
One of the biggest mistakes people make in planning for retirement is assuming Social Security benefits will sustain their lifestyle.
The average monthly Social Security benefit in August 2011 was $1,081, according to the Social Security Administration. A 65-year-old who is in good health needs between $562 and $1,442 more than that every month to live in Clark County, depending on whether the person is a renter, has a paid-off home or still has a mortgage, according to the 2011 Elder Economic Security Standard Index for Washington. Those amounts don't account for chronic health conditions or the need for long-term care.
Long-term care costs between about $52,000 and $55,000 per year in Clark County, said Vancouver financial adviser Fran Richter, 59.
Three Ways to Prepare
Debt is the biggest setback baby boomers face in terms of retiring.
"Not having debt is a huge key to being successful," Richter said. "Debt, that is a four-letter word."
Paying off debt, therefore, should be first priority.
From there, financial advisors recommend saving whatever you can. Small amounts can add up, and while it might not guarantee you a smooth retirement, it brings you one step closer to that point.
Vancouver resident Pat Gill, a 49-year-old computer programmer, puts 4 percent of his paycheck toward his 401K each paycheck. That's about half as much as he saved before the recession, when his employer stopped matching. What he had in his 401K also went down by about 30 percent because of the stock market.
"I don't have enough money saved up would be my No. 1 concern about retirement," Gill said. "I'm saving, but not very fast."
Bixby said people who are saving sometimes tend to focus on cutting back on things that don't cost a lot, such as going out to coffee.
She encourages her clients to focus on larger cost items in their lives, such as their housing and vehicle. Paying off your car or buying one with cash, getting a roommate or moving into a lower-cost apartment will pay more dividends over time than cutting your coffee habit. Sometimes the health benefits of socializing with friends over a coffee or a glass of wine outweigh the savings you might achieve, Bixby said.
Howard, who works at the Department of Veteran Affairs, said having a roommate hasn't built up her savings; it's allowed her to pay her bills.
"For single people, it's going to be more of a challenge," Howard said. "A lot of my friends and I say we are going to need to live together just to survive in retirement."


text: Home Recipes Course Desserts Candy Recipes Holiday Candy Easter Candy Share: Easter Candy Looking for recipes for Easter candy? Taste of Home has the best Easter candy recipes from real cooks like you, featuring reviews, ratings, how-to videos and tips. Recipe Spotlight Bird Nests This is a fun, kid-friendly recipe I pulled together a few years ago. My kids love helping me make these. —Jessica Boivin, Nekoosa, Wisconsin Get Recipe More Easter Candy Sort: Highest Rated Alphabetical Contest Winning Newest << first < prev | 1 | 2 | 3 | 4 | 5 | ... | next >last >> Marbled Orange Fudge Marbled Orange Fudge This decadent treat doesn't last long at our house. The soft fudge is guaranteed to get smiles because it has the familiar taste of frozen Creamsicles. Bright orange and marshmallow swirls make it a perfect takealong for events and get-togethers. —Diane Wampler, Morristown, Tennessee View Recipe Candied Pecans Candied Pecans I pack these crispy pecans in jars tied with pretty ribbon for family and friends. My granddaughter gave some to a doctor at the hospital where she works, and he said they were too good to be true! —Opal Turner, Hughes Springs, Texas View Recipe Peanut Butter and Marshmallow Chocolate Eggs Peanut Butter and Marshmallow Chocolate Eggs "This recipe came from my mother-in-law, who gives a basket of homemade Easter candy to each of her children and grandchildren," says Robin Perry from her home in Seneca, Pennsylvania. View Recipe Advertise with us ADVERTISEMENT Peanut Butter Coconut Balls Peanut Butter Coconut Balls This recipe has been a family "secret" for generations. But I think it's too good to keep to ourselves. A glossy chocolate coating hides a crunchy coconut filling. —Jennifer Dignin, Westerville, Ohio View Recipe Orange Jelly Candies Orange Jelly Candies Making candy is my favorite thing to do. I've been collecting candy recipes for more than 40 years and have taken several candy-making classes. These soft confections are fantastic. —Leah Jackson, Washington, Utah View Recipe Truffle Cherries Truffle Cherries Chocolate is popular at our house, especially during the holidays, so these double chocolate gems never last long! —Anne Drouin, Dunnville, Ontario View Recipe Salted Soft Caramels Salted Soft Caramels Velvety smooth homemade caramels have a sprinkling of kosher salt to create a sweet-salty sensation. Best of these caramels don't call for each to be wrapped in waxed paper or plastic wrap...a very tedious chore. The hot caramel is poured into miniature muffin liners instead.—Kathryn Conrad, Milwaukee, Wisconsin View Recipe Chocolate-Mallow Peanut Candy Chocolate-Mallow Peanut Candy "I've brought these bars to many bake sales and they're always a hit," says Karen Perry from Askov, Minnesota. "They taste just like candy and are so easy and quick. Pastel marshmallows add a pretty springtime touch!" View Recipe Peanut Butter Easter Eggs Peanut Butter Easter Eggs Get the kids involved in making these chocolate and peanut buttery treats, well worth the sticky fingers! — Mary Joyce Johnson, Upper Darby, Pennsylvania View Recipe Caramel Pretzel Bites Caramel Pretzel Bites I created this recipe wanting to make my own version of a pretzel log dipped in caramel, chocolate and nuts from a popular candy store. These are smothered with homemade caramel. —Michilene Klaver, Grand Rapids, Michigan View Recipe Lemon Fudge Lemon Fudge It's hard to believe something this melt-in-your-mouth smooth and delicious can be made with so few ingredients in such little time! —Rozie Born, Zumbrota, Minnesota. View Recipe << first < prev | 1 | 2 | 3 | 4 | 5 | ... | next >last >> Advertise with us ADVERTISEMENT Advertise with us ADVERTISEMENT


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This is a big gigapan I shot on Saturday evening. It's a huge Gigapan and took 16 hours to stitch. 47 images wide X 23 images tall totaling 1081 images. I missed some of the balloons on the first pass so I backed the unit up and reshot a section. The lighter background in the sky was caused when I readjusted the expos...
This is a small gigapan I shot on saturday morning. I have another from saturday evening with thousands of people in it. It's a huge GigaPan and is taking a very long time to stitch. EDS Credit Union Plano Balloon Festival - Plano, Texas - September 19 - 21, 2008 www.planoballoonfest.org/fest-facts.html ...
Addison Oktoberfest 2008 - September 18 - 21, 2008 I shot this yesterday evening on the first day of Addison's Octoberfest. It was still a little early so not many people are around. The guy in the suit with all the medals showed up after I shot the GigaPan so I backed the robot up and reshot him. My friend Joe has ...
This photos is a view looking East from the West End. American Airlines Center is in the far left. This is my first GigaPan with my new Canon Powershot SX110 IS. IT is 12 images tall and 40 images wide for a total of 480 images. The stitching software had problems with the Fountain Place building near the center of t...
WKU Western Kentucky University wku.edu Bowling Green, KY Looking from the Old Parking Structure SteveKirtley.com Canon G9
- DUC by Steve Kirtley
WKU Western Kentucky University WKU.edu Bowling Green, KY SteveKirtley.com Canon G9
WKU Western Kentucky University wku.edu Bowling Green KY SteveKirtley.com Canon SD1000
Mellat Park (Pârk-e Mellat) is a park in Tehran, the capital city of Iran. Known as the Shahanshahi Park (Imperial park) prior to the revolution of 1979, it is the largest recreation area in the Tehran. More information on Wikipedia: en.wikipedia.org/wiki/Mellat_park ____________________ This is a 360 p...


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October 16, 2010
Volume 20, Issue 10
The TUHSC Police Department wishes you a safe and happy Halloween. When celebrating this October 31st please remember these safety tips:
Instead of combustibles use alternate sources of light such as electric or "glow sticks."
Costumes should be short enough to avoid tripping. Masks should have large eyeholes, and not slip around. Painted faces are preferable. Choose costumes that are bright, or trim them with reflective tape. Do the same with bags, shoes and other items. Seek flame resistant articles. Everyone should carry a flashlight.
Keep your porch light on and avoid allowing trick-or-treaters from entering your house for any reason. All participants, especially guardians, should be vigilant.
When driving, be aware that children can quickly run from seemingly nowhere into your path. Drive slower than usual, and if possible stay off of the roads during peek activity hours.
"Crime Prevention Corner"
Don't forget that Crime Prevention and Safety Brochures are available in the 1430 Medical School lobby, Deming Dormitory lobby, Tidewater Building lobby, and the Murphy Building lobby.
These brochures offer you safety tips for jogging, bicycling, and just everyday life. We also have campus maps, and shuttle schedules available at both locations.
Remember to always report a crime or suspicious person as soon as you can safely do so at Extension 55555 or 85531.
Q and A
Daylight Savings
Time Ends!
Q: I am always reading about how I should check my smoke detector batteries when daylight savings time begins and ends. Is that really necessary?
A: What safety-minded sources are hoping is that you will take advantage of bi-yearly events, such as the beginning and ending of daylight savings time, to schedule a service of devices that require six month maintenance checks.
The actual safety message requests that you change your batteries during those time changes. The reason being that the detectors may have experienced lengthy or frequent activations you were not aware of, and that the batteries may have been exposed to drainage from use, exposure to moisture and other variables. Don't take a chance with this life safety device. Why not use the replaced batteries in a radio or toy that will not impact your family's well-being?
While you are replacing the batteries, go ahead and check the rest of the detector for wiring or structural damage. This includes using the test button to assure that what appears to be operational actually works.
You should retest once a month. Use a broom handle to push the test button, and avoid climbing, which could result in a fall.
Daylight savings time ends at 2:00 a.m. on Sunday November 7, 2010!
Turn your clocks back one hour!
**Crime Alert** Crime ALert** Crime Alert**
Please report all incidents or suspicious activity as soon as safety permits. Remember to travel in numbers whenever possible, utilize crosswalks, park in well-lit and populated areas, and to use the TUHSC Police 24-hours Security Escort Services. Stop at the lobby post or call 988-5531 for information and safety brochures. In case of EMERGENCY call 988-5555 or 55555 if on campus, and 911 if off campus.
Tulane University, New Orleans, LA 70118 504-865-5000 firstname.lastname@example.com


text: Posted 30 Dec 2012 Some kid a few posts back just said that someone missed a block on the punter. ROFL that is almost as funny as the play itself. answer the guy above you. I cheer for armanti because I watched him play for 4 years at ASU and he was amazing yet everytime he does something decent it is ridiculed to the extreme by people on here. I don't really care either way but I need to voice my sarcastic opinion yet everytime someone (mainly Mr.Touchdown) takes a shot at people who spent 4 years going to a great school. I don't care where you got your degree or where you work but I'm doing just fine with my degree from app and I can support my family and 5 month old son just the same. So in conclusion fug you. 2 people like this Share this post Link to post Share on other sites


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German verbs & conjugation
German exercises about verb conjugation, concentrating on important and irregular verb forms. Many German verbs follow a certain kind of pattern that speakers can predict and once you learn those patterns then you can figure out how to conjugate them. Haben and sein are not like that, but you must still learn them as stated earlier since they are very important words in the German language. Just remember that all verbs have a basic "to" form similar to the English infinitive form like the words "to play," which for the German language is "spielen."
Conjugating means to use the word in a sentence and to do that you have to put the right ending onto the word. So, if, for example, you want to say "I play" it would be "Ich spiele" and every subject of the sentence is written differently, (i.e. he, you, they, etc). But in German it's slightly different and more complicated than just adding an "s" like in English, you have to use a different ending for every subject, (i.e. ich spiele, sie spielen, du spielst and er spielt).
It helps to keep a list of the confusing verbs and to start looking for written examples to help you to keep them straight.
Grammar exercises
|Reflexive verbs
|(23 exercises)
|Separable verbs
|very easy
|(25 exercises)
|Regular verbs
|(13 exercises)
|Irregular verbs
|(16 exercises)
|Modal verbs
|(16 exercises)
|(14 exercises)
|very easy
|(17 exercises)
|sein & haben
|(19 exercises)
|very easy
|(20 exercises)
|Verbs & prepositions
|(19 exercises)
|very easy
|(18 exercises)


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To bask in something is to take it in, receive its warmth, or bathe in its goodness. On the first warm day of the spring, you may bask in the sunshine. When you win the Pulitzer, you bask in your own glory.
In Shakespeare's "As You Like It," Jaques says: "...As I do live by food, I met a fool; Who laid him down and bask'd him in the sun,; And rail'd on Lady Fortune in good terms..." That was most likely the first time bask was used in the way that we most often use it now: to bask is to warm yourself, either literally or figuratively, in the glow of the sun, good fortune, happiness, or a job well done.
Definitions of bask
v be exposed
"The seals were basking in the sun"
- Type of:
be lying, be prostrate; be in a horizontal position


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ACE Fit Share
Use a combination of these core back exercises to strengthen your lower, upper or middle back areas. Whether you're interested in barbell deadlifts or reverse extensions, we have back strengthening exercises for every level. These exercises are also featured in convenient workout routines that include proper warm-up and cool-down techniques, which greatly reduces the risk of injury.
Fit Life Articles
Is eating organic food healthier? How do you identify organic produce and which ones are a must when choosing organic? Do pesticides cause cancer and other diseases? These questions and more are answered in this quick guide to choosing and eating organic foods.
With all of the time, energy and sleepless nights that go into caring for a new baby, exercise is probably the last thing on your mind. But rather than thinking of exercise as precious time spent away from baby and family, you can include your baby in your workouts. These...
Wondering how you can turn sweet treats like cookies and brownies into something that offers a little more nutritional bang for your buck? Here are a few tricks you can use to transform your favorite desserts into healthier—yet still tasty—versions that are sure to satisfy...


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USGS Coastal and Marine Geology Program
Other ID: ANN-2-77
Status: Completed
Organization(s): USGS, Woods Hole Coastal and Marine Science Center
Funding Program(s):
Principal Investigator(s): Charles J. O'Hara
Affiliate Investigator(s): Jim Katsolis - Eastern Instrument Corporation, Norwood, NJ
Information Specialist(s):
Data Type(s): Sampling: Geology, Location-Elevation: Navigation
Scientific Purpose/Goals: The vibracore sampling program is intended to determine the nature of bottom sediments and shallow substrate on the inner shelf. The core data will be correlated with sub-bottom seismic profiling data to determine the distribution, lithology and economic significance of offshore geologic features and mineral resources. These studies will document important landmark data, help to evaluate feasibility and environmental impact of offshore mining of sand and gravel deposits and offshore disposal of solid waste material, and provide information on the geology and geologic history of the region.
Start Port/Location: Woods Hole, MA
End Port/Location: Woods Hole, MA
Start Date: 1977-09-27
End Date: 1977-10-02
Equipment Used: Alpine Vibracorer, Epsco LORAN-C
Information to be Derived: Samples and chemical analysis; Grain size analysis;
Summary of Activity and Data Gathered: Vibracores: 20; Total feet penetrated: 459 (140 m); Total sediment recovered: 394 ft. (120 m); Percent Recovery: 86; Average core recovery per station: 19.7 ft. (6 m).
Staff: Charles J. O'Hara, John M. Aaron, Diane M. Eskenasy, Wayne Ferrebee
Affiliate Staff:
Notes: All Massachusetts Cooperative cores were lost in USGS Mashpee Warehouse fire, May 12, 1978. Original Center People field contained: Charles (Chuck) O'Hara - Scientist in charge; John Aaron - geologist, Diane Eskenasy - GFA, Wayne (Mac) Ferrebee - geologist, Jack McLane - geologist.
Nantucket Sound, Massachusetts, United States, North America, North Atlantic;
O'Hara, C.J., and Oldale, Robert N., 1987, Maps showing geology, shallow structure, and bedform morphology of Nantucket Sound, Massachusetts: URL: http://pubs.er.usgs.gov/usgspubs/mf/mf1911, download PDF.
Data Acquired


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Purple. (05-11-2013)
You should've been there and saw the little cries everyone made.
@for those who take this game too seriously - IT'S A FUCKIN' GAME
ur country flag says all. fckin haccer nuub
Purple. (05-11-2013)
NOOB HACKER u suck...... Cheater Ultra Cheater..
if you're gonna create a thread just to say you hack, why do you bother? seriously. If everyone did the same as you the whole section would be spammed 4 life. Remember that you're in a hacking site, that score can even be shit for most sucessful hackers.
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well even with wall hack u have a big advantage
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This is an ESP Hack, not a wallhack, I'm sure you have 20+ features and you don't show the menu !
and the bone are from onehitf
@Z007 what ? Are u from India ? Where are u from ?
And you are not using only a wallhack, that includes an aimbot.
15 hrs no reply, guess your "wallhack" gig is up...but cool story bro..*cough* cfpro*cough*


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His wife has been running a business, selling belts at a sales center by renting stalls for six years and has accumulated a vast amount of experience. For the past year, he has been producing and selling vacuum insulated windows and, even though he has been in business for a short time, he has succeeded in attracting quite a number of permanent clients.
The apartment they live in has deteriorated over the years and needs some serious repair. So, he is requesting a loan of 6,700,000 MNT in order to purchase construction and insulation materials such as gypsum, glass cottons and pressed board as well as to install a floor heating system. As a result, the family can live in a comfortable and warm place without worrying about the chilling winds and frosts. The insulated and renovated apartment offers many benefits including not loosing heat.
Additional Information
More information about this loan
This loan is part of Credit Mongol's green loan program, which helps clients to purchase products for improving their heating and ventilation systems, reducing pollution and health problems caused by burning coal in the winter.
About Credit MongolCredit Mongol is the largest non-banking financial institution (NBFI) in Mongolia. Its mission is to contribute to the prosperity of Mongolians by providing high-quality, affordable and varied financial services to micro-entrepreneurs and small-to-medium-sized businesses. It prioritizes serving remote, rural populations that have typically lacked access to credit and other financial services. Uniquely, it offers solar panel loans to nomadic herders, most of whom live without electricity.
About Housing Loans
Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.
About Mongolia
0View loans »
Success!! The loan was 100% repaid
- Repayment Term
- 27 months (Additional Information)
- Repayment Schedule
- Monthly
- Pre-Disbursed:
- Jan 30, 2013
- Listed
- Jan 31, 2013
- Currency Exchange Loss:
- Possible
- Ended:
- Mar 17, 2015


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This product can be found in: Dog Carriers: All | Dog Papoose | Dog Travel Bags And Backpacks | Fabric Carriers | Travel Accessories: All
Sling-GO Pet Carrier
Product Code: 61581
DescriptionDoes your small dog get nervous amongst crowds at ground level? Then this Sling-GO Pet Carrier is the one for you! It is an ingenious carrier that allows you to carry your pet courier-style so that your four-legged friend can still interact with people without the fear of being trodden on, whilst leaving you hands-free to carry shopping. It is also great for small dogs on long country walks where the grass gets too long for your pet to comfortably walk with you, or perhaps your four-legged friend is old and tires easily or has a mobility problem? Whatever the reason, you and your pet will be very happy with this pet carrier.
The Sling-GO slips on and off really easily, rather like a shoulder bag, and the shoulder strap is comfy, padded and adjustable. The strap goes over your body which makes carrying much easier for you and you can rest assured that your pet is cosy and content as there is a comfy, padded bottom. Your pet is also secured with a safety clip that attaches to a collar or harness. Finally, there is a handy zippered storage pocket for your personal items or treats for your pooch. Please see the extra images for more detailed views.
Dimensions: approx L56 x W33 x H15cm
Colour: turquoise
Customer Ratings & Reviews
great product posted on 04/07/2015 by Kaytili
took our 15yr old Yorkie a little while to take to it, now she sits happily in the bag when she is tired on long walks or when we go sightseeing on holidays. she used to be very scared in crowded places and get stressed but she sits quite happily in her bag watching the goings on.. much easier way to carry a 5kg dog and leaves hands free for other things. I agree zip bag could be big better to fit poo bags or a mobile phone (or both!)
Just what i was looking for posted on 03/02/2015 by AEB
I was looking for a dog carrier for my elderly jack Russell as at the age of 15 whilst still keen to walk with our other dog she tires more easily and wed end up carrying her I was there for looking for a product thy was both comfy for her and also for me x28carrying even just a Jr terrier is hard work on your armsx29 so the handbag types were not practical I wanted a carrier that I could get her in and out of fairly easily so she could walk at intervals This has worked a treat Shes 6kg so at the top end of the weight suggestion but we have walked for an hour with her in it for about 15mins at a time Shes secure but equally she didnt put up much fuss about being in it so a more determined dog may be trickier to get in and out But it was comfy enough for me and suits us and our needs Cant recommend pet planet more highly for quick delivery and good communication throughout and will definitely use the site again
Great value easy to use posted on 05/12/2014 by Sky
This item arrived the next day I couldnt believe how quick Its fairly sturdy with an adjustable height strap for your shoulder or across your body and my 5kg little yorkiepoo lies in it quite nicely 5kg doesnt sound much but if I had to carry him in my arms for long he gets quite heavy so when hes had enough of walking I just pop him in the carrier leaving both hands free
Great success posted on 25/08/2014 by VickiB
I adopted BONNY two months ago when her owner died Small Jack Russell aged 5 Never been out on long walks not been around traffic on buses or trains hence my order She took to the sling well especially when scared Took a while to settle and thanks to her carriage the day was a big success
Very pleased posted on 30/07/2014 by Irenedobson
I have four toy dogs all enjoy a good daily walk My toy poodle has Addisons disease and can be affected by weather fatigue etc I can pop her in the sling if need be and still have 2 hands free for controlling the other dogs I was looking for a light product that I can carry at all times but not always need on the day
Really Good posted on 16/07/2014 by Valtaylor1
Haven't used this for any length of time but have used it around the house so my teacup Yorkie can get used to it. I have tried a few different types but this seems the most practical. Nice and comfortable to wear and she sits well in it and gives her nice support the sides are big enough to keep her secure and allow her to sit and watch what is going on around her. All in all a nice practical product. Very quick service too
Lovely product posted on 23/05/2014 by rosemaryahayward
This pet carrier is light weight and easy to carry when my dog is walking happily but is there to carry her when the grass is long or the going gets really tough My dog loves being in it she can see the countryside and is close to me
pleased with it posted on 01/04/2014 by rena59
Elderly Pekinese and loves going out but not fit to walk all the way. This gets him to the park for a run around but as I'm elderly myself some instructions would have been nice and useful but I eventually figured out how the straps held him in.
Super bag posted on 02/01/2014 by hedgeharridge
My elderly blind quite small dog has become very needy and wants to be held all of the time This nifty carrier has made life easier for both of us
Great Produt posted on 08/11/2013 by Lindymac
Ideal for my chihuahua havent used it yet but have done a practice run indoors and Caspar seems comfortable enough Cant wait to try outdoors Would recommend
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Book Buzz
Battle Bunny is an exercise in sheer picture book anarchy. Jon Scieszka and Mac Barnett have struck gold by inventing a sweet story called Birthday Bunny, reminiscent of the Little Golden Book series, then drastically adapting it for their own twisted purposes. We learn from a note on the title page that the book Birthday Bunny was a gift for a boy named Alexander, who has made some severe editorial changes with a lead pencil...starting with the cover.
The Watermelon Seed tackles a common childhood fear with humor and artistry. A young crocodile gushes about his love of watermelon, delightfully chomping and slurping away at a slice in hand. He's the happiest reptile ever, until he takes that final bite.
Donna Jo Napoli and Amy Bates' Hands & Hearts is a sweet picture book for children who might be interested in learning a few ASL signs. It's a beach day story of a mother and daughter having a wonderful time together. Off to the side of each page is an illustration of how to sign one of the words in the text.
Princesses do not run. They also don't hide their frilly, pink dresses in a broom closet, slide down secret chutes, or jump over castle walls. And princesses definitely do not wear black. But Princess Magnolia is no ordinary princess… she's a monster-fighting superhero in disguise, The Princess in Black!
Birds of a feather may flock together in Telephone, by Mac Barnett, but that does not mean they understand each other. Taking place on an actual telephone wire, the story begins with Peter the pigeon's mother asking a friend to tell him to fly home for dinner. Anyone who has played a game of telephone before will know what happens next.
Looking for a book to share on a frosty day? Virginia Brimhall Snow's Winter Walk is a lovely and informative stroll through nature's quiet season. Grammy leads the children to all sorts of interesting discoveries. "Why is this tree green, Grammy, when others are brown?"
From the perspective of learning, this book is just right for young ones, and its design allows different ages to enjoy it. The figures of the people are only sketched, almost fading into the white backdrop as they make snow angels, fill a bird feeder, and have a snowball fight. But the images of what they notice and talk about are incredibly vivid: a cardinal, a snowshoe hare, a chickadee, a fox… and a gleaming icicle.


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Women's Health and Athena Milk For Women All Women's Run11:40 AM
Join the Women's Health and Athena Milk For Women All Women's Run on March 19, 2011!
Celebrate YOU with Women's Health and Athena Milk For Women at the first-ever exclusive for-women-only run on March 19, 2011, Saturday, at the SM Mall of Asia (across IMAX parking lot), Pasay City.
Upon registration, you get a race bag that includes a Women's Health-Athena Milk For Women racer-back singlet and goodies. All finishers of the 5K and 10K categories will receive finishers' bracelets specially designed for the event. After the run, hang out, relax and get pampered in cool, air-conditioned comfort with booths and activities from our sponsors.
The run is open exclusively to women ages 16 years old and above. Girls below 16 years old may register as long as they are accompanied on race day by a registered female adult running in the same category. To win and qualify for finisher's bracelet (for 5K and 10K registrants), the participant must be wearing official race singlet upon crossing the finish line. Present the official race bag at the festival area to claim free items and services from our partners.
2 name tags
- Sartorial diaryFebruary 11, 2012 at 4:04 PM
how cute is the background?ReplyDelete
i would love to but im in the UK XD thank you for the visit ^^ and u have a cute blog bg!ReplyDelete


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Oh Shelly xoxo...I wish there was some way to ease your mommy pain...but there's not is there?
Just know that we are all right here to help you while away the hours until your beautiful baby boy comes to you.
He'll be home before you know it!
Ach, Shellyamc. It's terribly hard to not have him with you. Cold comfort to know he will be home soon. Did they give you any idea when?
Tell me again where you went? Utica or Little Falls?
OK that was not what I was expecting to read!!!
Longer post when I get home - at work now but just wanted to say congratulations and welcome Marc!
3 secrets babies!
Next trip - Bali! (March 2015)
OMG Shelly. What a surprise eh? CONGRATULATIONS and welcome to the world Marc. I must admit when I saw the title of this thread I thought maybe he came early but I didn't expect to read all that drama.
My Facebook Profile: Facebook
To the world you may be one person, but to one person you may be the world. - Heather Cortez
When the power of love overcomes the love of power the world will know peace. - Jimi Hendrix
Well, of course you have are having some mommy moments, this is your first seperation from him. Hopefully he will be home soon. As Tink mentioned, did they give you a certain time as to when???
Shelly hun, Zach was early and was only 4 lbs. 5 oz. when he was born and he's doing great.
I know it must be hard for you to have him there and not with you. AND man or man do I remember those itsy bitsy baby bottles that we had to use to feed Zach with every 2 hours around the clock for what seemed like forever.
Get some sleep sweetie, you are going to need it when he comes home
They really haven't given us a real time. The first day they told us it could be more than 2 weeks since they like them to be at least 36 weeks old. Well then they said maybe around 35. He is doing better every day, so that number gets a bit less sometimes. He has already been taken off the oxygen and sensor, his antibiotics, and has gone from eating 3mls each feeding to 10, so he is getting way stronger! Our nurse today said she didn't think it would be more than a week as long as he didn't get really jaundiced. That is the big unknown right now.
Katelyn doesn't really think much. She came to the hospital to see me, and that was weird for her, but she can't see Marc, so I think it is still just something we talk about. It is flu season and he is in the NICU so they are REALLY strict on who can be around the babies
Oh Shelly, what can I say? My eyes seem to be leaking all over the place.
I know it will be a funny story in future to tease him with when he's older and he will probably find it a cool thing to tell others, but that will be leaving out all of the scary stuff....I was so upset to think you thought that all was not well with him when he popped out... Your lovely DH did a good job didn't he? Kept a cool head about him
I have looked at the photos and he is adorable, he really is. I so hope he is home soon with you so evrything can be settled and you can truly feel better.
And please, you didn't have to take our "no pacing" plea quite so literally! We have missed out on a Pookie pacing thread!
Oh, and congratulations to you all, and welcome to the world Baby Marc!!
I have no words right now.
Except welcome little baby Marc.
I'll come back later when the jaw lifts itself off of the floor.


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i heard these tapping noise ,but only when my car starts to accelarate ,i thought the timing was off, what can i do to try and fix this problem/ i am having my timing belt and water pump changed this week. please help so i can tell my machanic to check, he checked and tried to adjust something but it did not work,however i think he may have missed something small.
by weege in Orlando, FL on August 14, 2011


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Use the form below to search the Health Library.
What's Going On
Finding Intimacy Again
Lupus Foundation of America http://www.lupus.org
Lupus Research Institute http://www.lupusresearchinstitute.org
Lupus Canada http://www.lupuscanada.org
Lupus Foundation of Ontario http://vaxxine.com
Handout on health: Systemic lupus erythematosus. National Institute of Arthritis and Musculoskeletal and Skin Diseases website. Available at: http://www.niams.nih.gov/Health%5FInfo/Lupus/default.asp. Updated February 2015. Accessed July 10, 2015.
How will lupus affect my family? Lupus Foundation of America website. Available at: http://www.lupus.org/answers/entry/how-will-lupus-affect-my-family. Updated July 9, 2013. Accessed July 10, 2015.
Lupus and intimacy. SLE Lupus Foundation website. Available at: http://www.lupusny.org/about-lupus/newsletters/march-april-2008/lupus-and-intimacy. Accessed July 10, 2015.


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|Chinese Chestnut - Castanea mollissima
Chinese Chestnuts are good nuts to grow in the U.S. because of their resistance to blight. The tree grows tall and spreading. Two plants should be planted to ensure production of nuts. Space 30' circle Zones 5 - 8.
View detailed information
|Dunstan Seedling Chestnut - Castanea dentata x mollisima
This is a seedling from the American x Chinese hybrid from fruit breeder Dr. Dunstan of Greensboro, NC and Alachua, FL. 2 Dunstan Seedlings will pollinate each other. Blight resistant. Space 30' circle, height 30' to 40'. Zones 5-9.
View detailed information


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Skip to comments.From Drudge, Every Dem Senator (including Obama) voted against debt ceiling increase in 2006
Posted on 07/16/2011 10:42:20 AM PDT by Kevin in California
Great catch, Drudge!
So when in power, they crush us with no emergency/WarTime raises, but when needing power and our votes or belief in them, they want it raised... We see how it is.
Stock manipulation and welfare strings manipulation.
We are living under a virtual slavery.
That was Bush, this is now. ;)
Which goes to show it's all political.
Why, what was different then? Oh, right. A Republican was president. They don't think in "right and wrong", they think in "democrat or republican".
Before you know it, they'll be turning a blind eye and staying mute while Obama starts a war or two without Congressional approval. Oh, wait...
However, the tit-for-tat response is that every Republican voted for it.
Do not tell the republican senators they will say it is a damn lie.
I can't get that link to work.
This whole thing is a political game. Everything is in dc..Dem bernie madoffs and repub bernie madoffs playing f ing games and a shi#$y media feeding the premise of these scammers... and the taxpayer and the future generations are the slaves.... our next civil war will be about slavery too..amazing... that's why the tea party is essential. They can divide this country even further and bring more and mor light to the dem and repub slaveholder rulers who will be fighting on the same side against those sick of living and working to feed their wallets and careers.
The 'Rats were running to the right of the Pubbies on fiscal issues in '06, the voters bought it and that's how they re-took the House.
Thank you very much!!
The difference is that then, the debt was in single-digit trillions and the annual deficits were 1/3 what they are now.
The debt issue was serious then but it is beyond critical now since the shoving of Obamacare, Stimulus, bailouts, TARP, QE 1&2, and huge growth of virtually every socialist program up our keesters.
Grouped By Vote Position
YEAs -—52
Alexander (R-TN)
Allard (R-CO)
Allen (R-VA)
Bennett (R-UT)
Bond (R-MO)
Brownback (R-KS)
Bunning (R-KY)
Burr (R-NC)
Chafee (R-RI)
Chambliss (R-GA)
Cochran (R-MS)
Coleman (R-MN)
Collins (R-ME)
Cornyn (R-TX)
Craig (R-ID)
Crapo (R-ID)
DeMint (R-SC)
DeWine (R-OH)
Dole (R-NC)
Domenici (R-NM)
Enzi (R-WY)
Frist (R-TN)
Graham (R-SC)
Grassley (R-IA)
Gregg (R-NH)
Hagel (R-NE)
Hatch (R-UT)
Hutchison (R-TX)
Inhofe (R-OK)
Isakson (R-GA)
Kyl (R-AZ)
Lott (R-MS)
Lugar (R-IN)
Martinez (R-FL)
McCain (R-AZ)
McConnell (R-KY)
Murkowski (R-AK)
Roberts (R-KS)
Santorum (R-PA)
Sessions (R-AL)
Shelby (R-AL)
Smith (R-OR)
Snowe (R-ME)
Specter (R-PA)
Stevens (R-AK)
Sununu (R-NH)
Talent (R-MO)
Thomas (R-WY)
Thune (R-SD)
Vitter (R-LA)
Voinovich (R-OH)
Warner (R-VA)
NAYs -—48
Akaka (D-HI)
Baucus (D-MT)
Bayh (D-IN)
Biden (D-DE)
Bingaman (D-NM)
Boxer (D-CA)
Burns (R-MT)
Byrd (D-WV)
Cantwell (D-WA)
Carper (D-DE)
Clinton (D-NY)
Coburn (R-OK)
Conrad (D-ND)
Dayton (D-MN)
Dodd (D-CT)
Dorgan (D-ND)
Durbin (D-IL)
Ensign (R-NV)
Feingold (D-WI)
Feinstein (D-CA)
Harkin (D-IA)
Inouye (D-HI)
Jeffords (I-VT)
Johnson (D-SD)
Kennedy (D-MA)
Kerry (D-MA)
Kohl (D-WI)
Landrieu (D-LA)
Lautenberg (D-NJ)
Leahy (D-VT)
Levin (D-MI)
Lieberman (D-CT)
Lincoln (D-AR)
Menendez (D-NJ)
Mikulski (D-MD)
Murray (D-WA)
Nelson (D-FL)
Nelson (D-NE)
Obama (D-IL)
Pryor (D-AR)
Reed (D-RI)
Reid (D-NV)
Rockefeller (D-WV)
Salazar (D-CO)
Sarbanes (D-MD)
Schumer (D-NY)
Stabenow (D-MI)
Wyden (D-OR)
52 Yes+48 No +100
Hypocrisy, thy name is 0bama.
Out if the 48 yays, I count 21 of them gone.
Cause Bush was white. /s
In '06 we didn't have the crisis we have now.
But back then when unemployment was 5% the Dems were all lying and saying we had the worst economy since Herbert Hoover.
So now that we really DO have a terrible economy they want to raise the ceiling? Uh huh.
ping for later.
In almost every case of "Federal debt" or "national security", majorities of Democrats most of the time have had one operating principle - they're O.K. under their Presidents and not O.K. when its not their President.
Does anyone know what the ceiling was at the time and what it was increased to?
Democrats never want you to remember the position they took yesterday. The only reason we're raising the debt limit now is Obama's spending.
And only two Republicans voted against raising it. That's pretty sad.
Very interesting news. Is it on CNN, MSNBC, or the networks?
And I bet in 06, when Burns and Ensign did that, they were called RINO's for not supporting Bush and the Republican agenda of the time.
That the largest debt increases under Bush, came under Pelousi and Reid. Now the Pubbies are in charge, of only one house, and are "trying" to reel in spending.
If they were really TRYING to reel in spending, they'd cut Obama off at the knees.
Zero is trying to scare people with the loss of SS checks if a debt ceiling isn't passed.
SS is paid from FICA taxes and not the general fund. Pointing this out would put the ball in Zero's court. Second, when short on money to pay bills, a person makes choices who gets paid what, and WHO GETS LEFT OUT.
Make the SS scare tactics about Obama paying bank and corporation bills first, but leaving SS and medicare people out.
It went from $8.2 trillion to $9 trillion
NPR: March 16, 2006
"Congress Sets New Federal Debt Limit: $9 Trillion"
With Pelosi still in charge, anyone who does not follow their National Socialist agenda is toast. If anyone dares to speak out-of-turn, their pets will end up dead on their front lawn. Just ask Clinton's ex-friends. Just as the democrats left Reagan, the modern day dems have left America.
Disclaimer: Opinions posted on Free Republic are those of the individual posters and do not necessarily represent the opinion of Free Republic or its management. All materials posted herein are protected by copyright law and the exemption for fair use of copyrighted works.


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Caught on camera! Black Bear seen in backyard raidUPDATED 10:36 AM EDT Jul 10, 2012
The black bear is at it again. This time, a Tyngsboro family has caught one on a backyard surveillance camera -- reality TV-style.
More Video
CommentsThe views expressed are not those of this site, this station or its affiliated companies. By posting your comments you agree to accept our terms of use.blog comments powered by Disqus


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Daily Commuting Tips - Climate Control for Cyclists
5th November 2009 | Eddie Allen
More: Daily Commuting Tips Archive
Any rider who's used to riding in the British autumn and winter will tell you that it's a fine art - a three-way balancing act between staying dry, keeping warm and not overheating.
When you drive a car it's a whole lot simpler. The tin box you're sitting in takes care of keeping you dry and that dial on the dashboard with the blue and red markings lets you regulate your temperature.
However on a bike it's different. You're exposed to the elements. You are dealing with both the ambient temperature and the fluctuating heat that your efforts at the pedals are generating. One minute you're freewheeling down a steep hill at 25mph and rapidly cooling down. The next minute you're puffing up another hill at 7mph. Add in the fact that you're riding through rain showers wearing a waterproof jacket, and it becomes difficult to get the balance right and avoid that 'boil-in-the-bag' cyclist effect.
This is where you use your 'cyclist's climate control'. At the bottom of that steep hill, unzip your jacket halfway and let cooling air circulate beneath your jacket. If the rain starts or at the top of a long downhill, zip back up and keep warm.
Use your gears to find a rhythm where you're just 'ticking over' and not working so hard that you start to sweat inside your jacket. On the flat and with no headwind to contend with, I find, a pretty high gear and a slow loping cadence is best - just enough effort to maintain forward motion. Many riders make the mistake of dropping down through the gears and spinning because it feels easy on the legs. The fact is that this kind of high cadence pedalling will raise your body temperature far more than the low end 'diesel' lope.
When dealing with hills or headwinds gear down but don't go overboard. Drop your speed to a manageable level and let your average speed take a slight hit. Riding hills or headwinds at 10mph rather than 12mph means a hugely reduced effort - for a minimal increase in journey time. Factor in that if you get it right, you won't have to get changed at your destination - therefore and you're looking a net speed gain.
The key is to be smart and adaptive - read the road ahead and the weather conditions. Gear-up or down, zipper-up or down BEFORE you start to overheat or overcool - the key is to maintain a STEADY temperature.
All of these tips used together will help you achieve sweat free cycling. And sweat free is the best way of integrating cycling with daily life. So remember, use your zipper, your gears and your brain as your climate control.


text:
Statements we say are Mostly True
Atlanta Mayor Kasim Reed's Office
While the smoking rate nationally has fallen, more than 18 percent of Georgians still light up.
Centers for Disease Control
American Petroleum Institute
"The oil and natural gas industry provides or supports 141,600 jobs in Georgia."
Motion Picture Association of America
The film and TV industry supports more than 24,000 direct jobs and pays local workers more than $1.68 billion in wages in Georgia.


text:
Dakar FlugAndere Flugziele Zu meinen Lieblings-Flugzielen hinzufügen
- Sonderpreis
- Stadtführer
- Skylife
- Verkaufsbüros
- Flughafen
- Miet-wagen
- Hotel
Stadtführer : Dakar
Dakar, the capital city of Senegal, is a city where a strong French influence can be observed.
It is distinguished from other places in Africa, just like South Africa, with its European style boulevards adorned with trees on both sides. Cape Verde Peninsula, upon which the city is built, is also the western edge of Africa. Dakar is the home of not only some must-see museums, but also some significant historical heritage sites like Ile de Gorée (Gorée Island).
First organized in 1979, the rally that starts from Paris and ends in Dakar has played an important role in how the city has become well-known around the world. Dakar Rally –formerly known as the Paris-Dakar Rally- which is the biggest race in the world based on endurance, takes place in South America since 2009.
Tourist AttractionsIndependence Square, situated right at the center of Dakar, can be considered as the best place to start your trip.
If you walk down Avenue Roume, you will pass by Presidential Palace (Palaise Presidentiel). This building, made for the governor of the city in 1907, sits on a magnificient park facing the ocean. Towards Avenue of the Republic, you can visit the African Recollection Cathedral (African Memorial Cathedral) which was opened in 1929.
You can arrive in the central area called "Soweto" by following Avenue Jean XXVI. Dakar National Assembly Building and IFAN Museum of African Arts are located here. The building, where public administration was carried out for many years, was built in 1931 in Sudanese architectural style. The museum, which was completely renovated in 1995, was devoted to Senegal and West Africa.
Dakar is a city that reflects the West African Muslim mode of dressing. Stores, in which traditional and mostly handcrafted pieces of clothing with lace trimmings are sold, are quite interesting and worth a visit. However, it is important to note that shopping there is quite expensive.
Culture & EntertainmentDakar Grand Mosque (Grande Mosquée de Dakar) is a must-see place of worship, especially on fridays. This grand mosque, designed by the architect Gustave Collet, is located on Avenue El Hadji Malick. The mosaics and inner decorations of the mosque were done by craftsmen from Morocco. The structure, strongly resembling the Mohammed the 5th Mosque in Casablanca, was completed in 1957. The 67 meter high minaret of the mosque, which has an Islamic institute and a library inside, is visible from almost anywhere in the city.
Ile de Gorée (Gorée Island), which stands as a monument of a historic shame, is a must see. The reason for this description is the fact that this island was where the slaves to America were gathered and forced to board the ships. Among the buildings on the island, the "Slave House" –which is a museum today—is an interesting example of colonial architecture.
The city is considered as one of the most favored locations in Africa in terms of its entertainment events and night life. Some of the shopping areas and market places are well-known throughout the whole continent. The beaches of Dakar, on the other hand, are great places for people who get tired of these events to relax.
Food & DrinkAuthentic Senegal and French dishes can be found all around the area. For dishes belonging to international cuisines such as Mexico, Japan, and Morocco you can go to the area surrounding Marche Kermel market place.
It is important to note that Lebanese cuisine with its numerous appetizers is quite common in Dakar. One of the most delicious tastes of the area is the roasted peanuts, which you can find even on street corners. Also, restaurants, which are full of surprises, are located on the roof of Marche Sandaga market place.
ShoppingMarche Sandaga Olan is a very busy market place despite its appearance of a ruined concrete building. Meat and vegetables are sold on the ground floor. Basement floor is designated for fish, while there are restaurants located on the roof. From electronics to books on Islam, from CDs to t-shirts; everything is available here.
Marche HLM is a smaller market place where mostly fabric salesmen are gathered. Tailors and tailoring workshops from all around Senegal shop at this market place, in where fabrics are sold only over a length of 3 meters. Marche Kermel which is located close to downtown, and Soumbedioune, where fish salesmen work in the evening, are other market places worth mentioning.
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Ticket Sales Offices : Dakar
|City Office
|Immeuble La Rotonde, Rue A.A.Ndoye x St. Michel, Plateau, Dakar, Senegal
|+221 33 823 44 44
|Work Hours
Weekdays 09:00 – 18:00
Samstag 09:00 – 13:00
Sonntag Closed
|Airport Office
|Léopold Sédar Senghor International Airport, Yoff, Dakar, Senegal
|+221 33 820 79 29
|Work Hours
The flight days are opened 3 hours before flight and closed one hour later from the departure
|Zone Fret, Aeroport L.S. Senghor DAKAR, BP 29542, Dakar Yoff Senegal
|+221 776 39 42 41
|+221 33 820 91 66
|Work Hours
Dakar : Flughafen
Leopold Sedar Senghor Intl. Flughafen
Adresse : Leopold Sedar Senghor International Airport ASECNA - Aéroport de DAKAR/L.S. SENGHOR - BP 8132 DAKAR (SENEGAL) Phone : (221) 869.22.01 - (221) 869.22.00
Dakar : Flughafen Karte Informationen
Dakar Info
- Do 28°C
- Fr 30°C
- Sa 27°C
|547 km²
|Africaine franc
|00 221


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As I've mentioned before I follow a IIFYM (If It Fits Your Macros) based diet. Rather than count calories, I count macros – fats, carbs, and protein. I eat a certain amount of fat grams, carb grams, and protein grams every single day. For me, these numbers are always the same every day no matter what my workout is or if it's a rest day.
The purpose of IIFYM for weight loss (or even maintenance or bulking) is to eat healthy foods but still eat treats and what you love in moderation. I try to eat at least 20 grams of fiber a day. In order to hit that number, I need to make sure I'm eating enough veggies and fruit. Once I hit my protein and fiber for the day, I usually have enough carbs and fats left to have a treat that I enjoy.
Basically, it's about not depriving yourself and enjoying what you love while still eating healthy foods the majority of the time.
Please note that my macros were specifically calculated for me based on my height, weight, activity level, and goals. What works for me might not necessarily work for you.
Without further ado, here's what I typically eat in a day (every day is slightly different but this is just a normal day's food).
First thing I do is start my day out with my daily vitamins.
Breakfast Pre-Workout
I start every morning out with one cup of coffee. I use one Stevia in the Raw packet and one tablespoon of sugar-free creamer.
And yes, I write the date I opened my coffee creamer on the bottle. I'm weird about expiration dates.
For breakfast, I had scrambled egg whites with asparagus, spinach, red onion, and a Laughing Cow cheese wedge. I also had Fage plain Greek yogurt with one Stevia in the Raw packet mixed it. I topped it with thawed frozen berries and a little bit of Special K Protein cereal.
I cook the veggies on the stove first and then add the egg whites.
Snack Post-Workout
Right after my workout and before I taught my Women on Weights class, I had a Pro Pudding.
For lunch, I had a salad with butter lettuce, carrots, Applegate gluten-free chicken tenders, crouton and bacon bits topping, and honey mustard Greek Yogurt dressing.
I also had a bowl of veggies with garlic veggie drizzle.
And a bowl of watermelon and a mandarin orange.
Yummy Snack peanut butter bar.
For dinner, I had salmon, veggies, brown rice, and cucumber dill Greek yogurt dressing.
I also had an apple with a little bit of whipped peanut butter and a mandarin orange.
For an after dinner treat, I had a Light & Fit Caramel Fudge Pretzel Greek yogurt.
My after dinner treat usually varies. Most of the time it's a Yasso Greek yogurt bar. Sometimes if I have enough carbs and fat left, I'll have a Snickers ice cream bar.
Most days, I eat fairly similar. Lots of eggs, veggies, fruits, salads, lean protein, and my favorite Kodiak Cakes waffles.
After a day of eating, my macros were pretty much spot on.
I use MyFitnessPal to keep track of all my food.
- What did you eat today?