text:
Regulatory Programs:
Opportunities to Enhance Oversight of the Real Estate Appraisal Industry
GAO-03-404: Published: May 14, 2003. Publicly Released: May 14, 2003.
Additional Materials:
- Highlights Page:
- Full Report:
- Accessible Text:
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Since the passage of Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989, the appraisal and mortgage lending industry has changed dramatically. Some have concluded that the law is obsolete because the problems Title XI was intended to address--the risk to federal deposit insurance funds and the lack of uniform standards and qualifications--no longer exist. Others argue that the law's purpose and scope should be expanded. To help Congress better understand these issues, GAO looked at the roles of the private, state, and federal entities that oversee the appraisal industry, the challenges Title XI presented to these entities, and industry participants' concerns about the effectiveness of the Title XI regulatory structure.
Title XI created a complex oversight structure for real estate appraisals and appraisers that involves private, state, and federal entities. Two private entities establish uniform rules for real estate appraisals and set minimum criteria for certifying appraisers. State regulatory agencies certify appraisers based on these criteria. The federal financial regulators oversee financial institutions' use of appraisals, and a federal agency, the Appraisal Subcommittee, monitors and coordinates the functions of the parties involved in regulating appraisals and appraisers. All of these entities except the federal financial regulators identified potential impediments to carrying out their Title XI responsibilities. The two private entities stated that fund limitations could impede their ability to ensure that development of standards and qualifications evolve with changing conditions. State agencies said that funding shortfalls hindered their ability to enforce compliance. Appraisal Subcommittee staff reported that rule-making authority and additional enforcement sanctions could facilitate its oversight of state compliance with Title XI. Industry participants raised concerns about aspects of the Title XI regulatory system for appraisers. They cited differences in state regulation that affect both lenders and appraisers, gaps in Title XI's coverage--for example, transactions of less than $250,000 do not require an appraisal--high fees and burdensome processes for having appraiser education courses approved, and weak enforcement and complaints processing. Some industry participants felt that states, traditionally involved in regulating professions, alone should regulate the appraisal industry. Others felt that the current structure needed a significant overhaul to become effective.
Recommendations for Executive Action
Status: Closed - Implemented
Comments: ASC's decision regarding this issue is that it will consider each Foundation grant request on a case-by-case basis. At its September and December 2003 meetings, ASC approved the Foundation's grant request in its entirety ($901,465) even though the approval would cause ASC to operate at a loss for fiscal year 2004, if the budget is fully executed. In effect, ASC approved using the necessary funds from its surplus to fund fully the Foundation's 2004 grant request.
Recommendation: To improve its monitoring of the implementation of Title XI, the Chairman of the Appraisal Subcommittee should explore alternatives for providing future grant funding, including drawing on its surplus if necessary, to the Appraisal Foundation and its two boards in support of their Title XI activities.
Agency Affected: Federal Financial Institutions Examination Council: Appraisal Subcommittee
Status: Closed - Not Implemented
Comments: ASC is not taking specific action on this recommendation and plans to continue its existing practices to assist states. Specifically, the executive director reiterated its position that it lacks legal authority to provide funding. ASC notes that it has provided non-financial assistance through participation in workshops, encourages states to pool resources, referred states to states that might provide assistance, and has discussed funding/resource issues in field review letters (FRL). ASC added that in some instances, an FRL has helped a state program obtain resources.
Recommendation: To improve its monitoring of the implementation of Title XI, the Chairman of the Appraisal Subcommittee should explore potential options for funding or otherwise assisting states in carrying out their Title XI activities, particularly the investigation of complaints against appraisers.
Agency Affected: Federal Financial Institutions Examination Council: Appraisal Subcommittee
Status: Closed - Implemented
Comments: During the later part of 2003, the Appraisal Subcommittee (ASC) considered various possibilities to address this recommendation. At its December 2003 meeting, ASC directed staff to develop a more formalized method of weighing compliance with Title XI. ASC staff reviewed past field review reports to identify areas of concern and to design a rating system applicable to these areas. ASC staff proposed a 3-point based evaluation for each area--satisfactory, needs improvement, or unsatisfactory. The cumulative results of the application of this approach in a state field review would determine how the ASC would rank the state's Title XI compliance and whether it would fall into Tier 1, 2, or 3 (all other states). ASC staff field tested two drafts of a state rating system and presented it to ASC management in early 2005. ASC management was dissatisfied with the predictive results. ASC staff modified the rating plan following the 2005 presentation to the ASC Board. After applying the revised rating plan to a number of states during field reviews and evaluating the predictability of the ratings, ASC determined that the ratings were not adequately predictive. However, ASC has incorporated several of the concepts used in the rating plan approach (e.g., satisfactory, needs improvement, unsatisfactory) and has standardized the opening paragraph of its letter to states so that each letter contains one of the following three conclusions in the opening paragraph: (1) In Substantial Compliance; (2) Not in Substantial Compliance; and (3) Not in Compliance. ASC has developed specific guidance that it applies in determining which of these three summary statements are applicable to the state. That guidance addresses areas such as: no violations, but best practices recommendations; one or more violations of Title XI, but of a "minor" nature and not repetitive; the number, seriousness, and/or repetitiveness of the violations. ASC believes that this approach works effectively and allows it to carry out its mission as directed by Title XI.
Recommendation: To improve its monitoring of the implementation of Title XI, the Chairman of the Appraisal Subcommittee should develop and apply consistent criteria for determining and reporting states' compliance levels with Title XI requirements.
Agency Affected: Federal Financial Institutions Examination Council: Appraisal Subcommittee
Status: Closed - Not Implemented
Comments: According to the Appraisal Subcommittee's (ASC) Executive Director, it attempted to convene a meeting in October 2003. The Association of Appraiser Regulatory Officials (AARO) was holding its Fall meeting in D.C. Due to scheduling conflicts, they were unable to convene the meeting. Freddie Mac, to the ASC staff's knowledge, has never referred appraisal-related complaints to the states. It was the ASC staff's understanding that Fannie Mae has ceased referring complaints. ASC staff subsequently met with state regulatory officials and discussed this issue at the Fall 2004 Association of Appraiser Regulatory Officials conference. During the conference, state representatives expressed satisfaction with HUD referrals and noted that Fannie Mae has not submitted any additional referrals. ASC considers this issue closed unless Fannie Mae resumes its referrals or another entity begins making referrals to States that are problematic.
Recommendation: To improve the process for referring problem appraisals by entities that oversee or use real estate appraisals to the state appraiser agencies for possible enforcement actions, the Chairman of the Appraisal Subcommittee should work with the Chairmen of Fannie Mae and Freddie Mac and the Secretary of the Department of Housing and Urban Development to help ensure that referrals of problem appraisals (1) are provided to states in a format that is useful to the state appraisal agencies and (2) facilitate the subcommittee's efforts to monitor decisions made by states regarding the supervision of appraiser practices.
Agency Affected: Federal Financial Institutions Examination Council: Appraisal Subcommittee
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Comments about 'Does U.S. approach to truants, runaways do more harm than good?'
- Oldest first
- Newest first
- Most recommended
America: Land of the Incarcerated.
- 1:57 p.m. Dec. 27, 2013
- Like (2)
- Report abuse
Why do we have such an overwhelming predisposition towards retribution in this
These kids don't need jail time -- they need TREATMENT.
Don't punish the kids, HELP the kids!
- 2:26 p.m. Dec. 27, 2013
- Like (3)
- Report abuse
Any "incarceration" should be work or service based, not behind bars. Give them treatment and education to go along with a strong work program. I agree with the posters above.
- 9:40 p.m. Dec. 27, 2013
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- Report abuse
I find the idea that there is a 'one size fits all' solution being sought. While the difficulties are on-going, I think an assessment of problems in a broader sense, and of the resources which might be available. child molestation and incest are more prevalent than we would like to admit. boredom with schools that essentially just dumb kids down is a huge problem. I hate the idea of the state getting these kids on their list, but it is a bigger problem than private organizations have been able or willing to meet. I remember how meaningful the kind words of Harvey Taylor and J Elliott Cameron meant to me when I was a lad. Maybe we could teach adults to express the kind of agape which needs to be more prevalent -- social missionaries to troubled kids or something.
- 12:18 a.m. Dec. 28, 2013
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Common sense and effectiveness don't always come with people with letters behind their names and a pile of degrees in something. When putting together a solution for a child or for a group of children, let the interviews include videos with the perspective people interacting with children to see how they behave "in the field". The best people to work with these children and help them, might be the ones who think they aren't qualified, but love the children, the work, and have the heart for it.
- 12:14 p.m. Dec. 28, 2013
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30 Nov 2003


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Skip to comments.Pictures from MAF Presser DC 2-14-08 (code pink Crashes Event, MSN ignores)
Posted on 03/14/2008 12:09:50 PM PDT by Syncro
This morning Move America Forward staged a Press Conference in Washington, DC at the National Press Club.
Here are some pictures from this event.
Debbie Lee, Gold Star Mother and Melanie Morgan, Chairman of Move America Forward.
Melanie Morgan
The crowd was attentive
Some background threads
And Josh Richman of the Bay Area News Group (Oakland Tribune, Contra Costa Times, etc... among others) covered the release of the report.
However, Josh Richman called us "crap"
Josh Richman Chews Out MAF and Our Supporters - CLICK HERE to READ
That's "Hello Kitty Tighe"...
One of the teen-aged useful idiots was instructed to lie and say she was a member of the press. When asked for press credentials, she clutched and sputtered.
When asked for ID, that when the pink marionette got his panties in a knot.
As typical of Code Pinko leaders, they send out the young to do the hard tasks they won't do themselves, in this case Gael Murphy just sat and watched the kids take the risks.
Code Pink, once again, proves the point that they are radical. MAF couldn't have scripted it any better.
Woo hoo!! Howdy Trueblackman!! Way to go!!
"Love peace or I'll kill you!"
What that tells any rational being is that Code Pink is NOT for free seech and would restrict your freedom.
Who wants to like under a Code Pink dictatorship led by tyrants like Gael, Jodie and Medea.
Trueblackman - has fire in his eyes!
Thanks Jim and the guy made me mad as hell in disrespecting the uniform of all of us who have and do wear it with this pinko knock and I was not going to allow him to disrespect those who support the troops, I had to jump in at that point.
Thanks Jim and the guy made me mad as hell in disrespecting the uniform of all of us who have and do wear it with this pinko knock off and I was not going to allow him to disrespect those who support the troops, I had to jump in at that point.
Is there audio????........ I luv it when you verbally kick arse!
I pray not because I did not cuss, but got upset at the clowns because I felt they were disrespecting Debbie's Son and I was not going to allow that to happen as a Sailor myself.
Jeez! I home this isn't a biased after action report. It appears to me if you compare Code Pink to Move America Forward, MAF has a monopoly on the lookers while Code Pink has a monopoly on the space cadets.
Kevin, I know you did not cuss........ You sir are a gentleman. But........ you do have a way of getting your point across, and I , along with other Freepers, think you do a top notch job!
H-E-L-L-O frisco!
The line from the movie 'Casino' comes to mind: "I want him escorted out of the building, and I want you to use his head to open every door".
Thanks to MAF Director of Communications Danny for sending me the pictures.
I believe some or all were taken by Mary, the Human Camera.
Got another D.C. Master Ping List ping
Kudos to all of our Troop Supporters.
Thank you for being there on the front lines!
if it's the one we have been to in the past BOTH "fine" & "Restaurant" may not be accurate. (chuckle)
free dixie,sw
free dixie,sw
Looks like fire should spring from the fingers, Kevin can dominate a scene, need a photoshop.
One nice thing about living in an open carry state - you don't even have to say anything, let alone lay hands on, a disrupter in order to escort them out of the room.
The crowd was
attentive possessed.
If that *thing* is married, then God help that poor woman!
I'd also like to thank you TrueBlackMan for standing up to those creeps, standing up for the right to free speech and supporting our military fighting for America around the world. Thank you.
You have to know Kevin in high righteous mode, the fire from on high going to burn your ass, he doesn't to rhetorically carry.
Just like the Mad Mullahs ... sending kids and retards out loaded with dynamite.
Great job stopping those PINKOS from continuing to upset the event.
CTS glad to see you in the picture too!
Very nice picture.
Debbie Lee has good taste in scarves (But I had one first ; )
"Kristinn being man-handled by Cat..."
Kristinn, Is that you? Shave makes you look ten years younger. LOL. (That's what they always tell me.)
Thanks for the PING... awesome job posting today.
Still busy reading ... maybe for hours, but I'll be back.
I see the principle of "No enemies on the Left" still applies in the minds of some political pundits.
LYING,garbage, thy name is "press".
free dixie,sw
free dixie,sw
And a lot of muscle mass! I would say he could take the ball and run it in for a touchdown...
As Jim Brown used to say...
"Just give me the ball!"
Sometimes I regret being being where I am right now (but it goes away real quick! ;-) ), I wish I could be in an area where these slimeballs surface from time to time...You just don't see a lot of this stuff anymore where I am...
They just had the Omen series on last night on AMC...
The timing couldn't be better...
Wristwatch on the right hand ... a BORN lefty.
Let's taze him bro!
These are from the Move America Forward Website
Saturday, March 15, 2008
Oh No! Kristinn you shaved!!!!!!!!!!!!!!!
Why why why!!!!
I suggest right clicking, and opening in a new window so you don't have to switch back and forth from the thread to the picture.
The Lord knows me... that's why he keeps me here.
Do you guys keep a bail fund and lawyer on standby... then i'm in.
I find i'm getting old, grumpy and can't much put up with stuff that would've rolled off my back years ago. What happened to my discipline? Sigh.
Excellent job. I will see you again soon.
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.


text:
Hey guys, i just upgraded from our t989 to a moto x and i decided to start testing roms out on the t989 since its not my main phone anymore, i only flashed about two roms and i have already done something wrong, flashed Aokp Milestone first, nothing wrong here enjoyed aokp back in 4.2.2 days. now i have always wanted to use Jedi mind trick but i was worried about the problems with it, so i made a backup of Aokp and Wiped data/wiped cache and flashed darkside wipe then flashed Jedi mind trick and rebooted. it got stuck at the splash screen like the details in the rom said but now when i try to make a backup, wipe data, cache, flash Jedi mind trick, flash darkside wipe it will freeze, i have tried flashing Cyanogenmod 10.2 and still freezes, i decided to just restore to stock but Odin 1.8.5 will not find my Device when it goes into download mode. right now i am trying my aokp Backup it had been going Fine for awhile but it looks like it might have Froze on /storage/sdcard0: mounted. any help please? i dont think i could google this problem.
Edit: now when i boot into cwm it says Can"T open /cache/recovery/last_log twice.
Edit: now when i boot into cwm it says Can"T open /cache/recovery/last_log twice.
Last edited by Trozzul; 27th May 2014 at 05:48 AM.


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Paris Tips
Weekend Reading
Don't be fooled by the photo – my apartment actually looks like a war zone at the moment (it was taken pre-fashion week), covered in clothes, papers, memory cards and bags. I've barely been home during the last week since I've been running around the city in between photo shoots, meetings and shows but even though it's stressful I kind of wish that we would have these weeks a bit more often – it's just so much fun.
• I always get a ton of questions on how to dress when coming to Paris. If you're wondering about this, I suggest popping over to Condé Nast Traveler and reading my latest article.
• Thanks to Madewell for featuring me in their "weekly roundup" edition!
• Instagram made a map over Paris together with the very talented illustrator Soledad Bravi and gave it away at Colette earlier this week. It's such a cute idea and I couldn't be more thrilled about actually being featured on the map as one of Paris' instagrammers.
• I recently shot the lovely Jenny, behind the blog Margo & Me, while she was in Paris last week or so. She's just the sweetest and I'm so terribly jealous of her pretty little clutch that I got to lust over for a few minutes during an afternoon.
• My darling Aisling asked me a few questions about Fashion Week, you can read my answers here.
Weekend Reading
The last couple of days have been absolutely crazy. I've barely had time to sleep. Or eat. But even though they've been incredibly hectic, they've also been super exciting due to a lot of new photography assignments (like this for example) and interesting meetings, which I can't wait to hopefully share more about very soon. Until then, here's a few reads for this weekend!
• Looking for somewhere to sip a glass of wine or dine with a pretty view in Paris? Be sure not to miss my latest article for Condé Nast Traveler.
• Can I please move in with you, Jenny? This is just too pretty to be true.
• Anyone out there heading to London for fashion week? In that case I suggest having a look at Carrie's guide to hidden London gems.
• Since I couldn't go to New York fashion week this time around due to work keeping me here in Paris, I've been keeping up with the latest street style photos and what's going on thanks to Style.com and everyone's favourite Tommy Ton.
Parc des Buttes-Chaumont
The leaves have already started to change colours and summer (well, we haven't really had any real summer here in Paris) is slowly coming to an end. My favourite place to head during this time of the year is to one of the Parisian parks, Parc des Buttes-Chaumont being one I certainly got to explore a little bit more the other day thanks to this lovely lady.
On Instagram
During stressful times it's easier to catch me over on Instagram. My last couple of snapshots include the stairwell leading up to my new apartment, one of my Paris prints for SS Print Shop in bed with @Doctorscloset, beautiful Parisian buildings, my favourite timepiece from Corniche at Ralph's along with a yummy club sandwich at the same place. A little photo from my housewarming last Thursday with dear friends, hidden allies in the 4th arrondissement and a breathtaking view from the 7th floor at my friend's apartment. Ladurée's pretty storefront, coffee at La Caféothèque, courtyard cuteness at Ralph's and an absolutely delicious lunch at my favourite Verjus Bar à Vins.
Home Decoration
It's probably the worst luck in the world to start shopping for home decoration before you even have a home, right? Yeah, I thought so… But since I'm leaving for vacation in July there's no time to loose here. I've never decorated my own apartment before since I've yet to rent something completely unfurnished. I have to admit that I've never been much of a decoration expert though (despite working at ELLE Decoration in Sweden before picking up my life and moving to France, which might seem a bit odd) but that doesn't stop my excitement! After our darling Lauren – who by the way, knows absolutely everything about what's going on in this city – took me to the Swedish café that I told you about a while back, she also showed us the home decoration shop La Trésorerie, just next door. After that first visit I've been back several times to lurk around for myself. Now, I don't usually like to spend my money on pots and pans but oh, how tempting that feels at the moment… Is that what you call growing up?
It's been raining here in Paris during the last couple of days (but it feels more like months at the moment) which is making me kind of depressed and low on energy for absolutely everything right now. A cold and a sore throat is certainly not helping the situation either. Hopefully this sad and grey weather (as well as my cold) will pass sooner rather than later.
But now, on to happier memories. Remember that day I rode around Paris on the back of Braden's vespa? Anyhow, one of the places he decided to take me to was the beautiful little neighbourhood called La Butte-aux-Cailles in the 13th arrondissement. My last visit here was two years ago but since it was during a very late night (which ended with one too many glasses of wine) I never really got to see it properly. In the middle of Paris and just off the modern Place d'Italie you'll find this little gem. Cobblestone streets, dark green ivy, beautiful doors and some lovely wisteria made this little area undeniably charming.
Flower Power
We might as well rename this site to "the flower blog" by now. And yes, I apologise since I do realise that there are other things in this world to photograph other than pretty flowers. But how could you not when you arrive in Jardin des Plantes and it looks like this? I mean, come on, I'm only human after all.
This spring the whole city bloomed so early that I was afraid to miss it completely for a second. Luckily I stumbled upon this park (which is one of my favourite parks in Paris) just in time to catch the apple, cherry and all the other blossoms in full bloom. It's so bitter sweet since this is one of the things I look forward to during the whole year, and then after two weeks or so, everything is gone. But I'm not sobbing over here! Now summer is around the corner and nothing makes me happier than to think about that. Even though I miss the pink blossoms around the city (it really puts a smile on your face), Paris looks pretty beautiful in all green too.
Promenade Plantée
Ever since moving to Paris for the very first time I've kept a little list over places I've been wanting to see and visit. This is a never ending list and it only seems to get fuller. I'm actually adding places faster than I can tick them off… But that's fine with me since I'm in no hurry to leave this place at the moment. Gosh, that feels good to say. Anyways, one of the things that's been on my list ever since spending my first four months in this city has been to visit the Promenade Plantée. Since I adore both flowers, parks and Parisian buildings I can't really come up with a better combo for me (or an excuse to why I haven't visited this place earlier). Promenade Plantée is Paris' version of New York's popular High Line – meaning an old abandoned railway line that has been made into a little promenade, which makes this just a lovely place for a little stroll. I haven't really gotten a lot of time to just walk around the city by myself lately but luckily I managed to squeeze in a little morning walk yesterday with just myself (and my French audio tapes in my headphones) as company.
Vintage Finds
Sometimes I never get around to posting certain things here — even though I really want to, but I guess the saying goes "better late than never", no? So, before the summer began last year, I joined one of my friends for a tour of the flea markets by the Porte de Clignancourt here in Paris. On one of the hottest days in all of June we wandered around the absolutely enormous vintage markets together with our lovely guide Charlotte in the search of little gems and vintage finds. I've always been a bit sceptical towards the whole flea market idea (most of the time I think it can look like a lot of junk) but after that day I can kind safely say that I see why some people love it so much. There was so much to look at and so many untold stories behind every item we passed by and after three hours of walking we still hadn't covered more than half of the flea markets. Yes, I would have gotten completely lost in between the vintage Louis Vuitton trunks and the pretty china with flower patterns without my friends there to guide me around. By the end of the day (we even stayed behind when our tour was over and continued on by ourselves) we we're absolutely exhausted but had become one Babar poster, and a lot of experiences, richer. Now I just can't wait to find a more permanent home here in Paris so that I actually can buy all the things I want next time I go.
Bon Appétit Magazine
This fall I had the pleasure of shooting a story here in Paris for Bon Appétit Magazine focusing on food and drink in the (right now, very popular) 10th arrondissement. At the time, little did I know that the writer behind this amazing food guide was my good friend Lindsey. Funny how things work out sometimes, no? Even though it was quite challenging work I truly enjoyed shooting these photos which even made me discover new (favourite) restaurants along the way. Be sure to pick up a copy of the magazine if you have the chance or take a look at the preview of the article here!


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New Album - Romantic As It Gets
Aug 14, 2015 ~ posted by Dennis
I am very happy to announce that my new record, called Romantic As It Gets, will be released on Busted Flat Records on September 11. It was recorded at Chase Park Transduction in Athens, Georgia, USA in November 2014 and it was produced by David Barbe. When I set out to make this record, I knew I wanted to work with read more...
Here's the deal!
Jun 9, 2015 ~ posted by Dennis
Dennis' new single Stay True is streaming now and has been making a few choice appearances on Canadian radio. It is a summer vibe kind of song from the upcoming record, Romantic As It Gets. Check it out in the MUSIC section.
The TOUR with Leeroy Stagger starts on Thursday in Halifax at The Carleton. It runs read more...
Tour and New Record
Mar 30, 2015 ~ posted by Dennis
Great news!!! Romantic As It Gets is coming soon. I've shared a new track called Full Moon Blues and you can listen to it by clicking the read more highlighted text below and then clicking on the song title:
Full Moon Blues
There is lots on the go for 2015. Some announcements are pending confirmation read more...


text:
Originally Posted by Skywatcher, post: 193933
Oh dear!
And my DW has decided she wants to visit Memphis and Graceland this summer.
Perhaps they'll be sold out by then.
Tom (... 100% Arabica fan!)
ROTFLMAOOriginally Posted by Skywatcher, post: 193933
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
Originally Posted by Tink, post: 193916
I was just goingto ask you where!Originally Posted by Johnie, post: 193928
Man guys, you're on fire this morning!!Originally Posted by Skywatcher, post: 193933


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Japanese Prime Minister Shinzo Abe announced Thursday that his government will lift some of its restrictions against North Korea.
Currently, the hermit kingdom's citizens, ships, and commerce are banned from Japan, but Abe's decision will ease travel restrictions and "allow port calls for humanitarian purposes," The Associated Press reports.
The announcement comes after North Korea agreed to reinvestigate the fate of at least 12 Japanese citizens believed to have been abducted in the 1970s and 1980s by North Korean agents. Abe told the AP he was "satisfied" with how North Korea is treating the investigation so far, calling the power granted to the investigative committee "unprecedented."
Abe's decision is expected to be formally approved by his cabinet on Friday. The AP reports that Japan will continue to follow U.N. sanctions on North Korea over its nuclear and missile programs, which include an arms trade ban and a freeze of North Korean assets. Meghan DeMaria
With 7 in 10 Americans reporting they are "frustrated" with the 2016 presidential election, this year could be the Libertarian Party's big chance — and America's largest third party is holding its national convention in Orlando, Florida, this weekend.
On the agenda: picking a presidential nominee from among three contenders. Though the contest is considered close, greatest name recognition belongs to former New Mexico Gov. Gary Johnson, who was the Libertarian nominee in 2012, when he picked up more than 1 million votes. Johnson recently polled at 10 percent nationally against Hillary Clinton and Donald Trump, and he would need 15 percent support to make it into the general election debates.
You can watch livestream of the convention proceedings below. The nomination is expected to take place around 5 p.m. Eastern on Sunday. Bonnie Kristian
Martin Short and Maya Rudolph stopped by The Tonight Show on Friday, so naturally host Jimmy Fallon had to find something totally outlandish for them to do together. The gang spoofed '80s cop shows with The Windy City Blue, a gag that gets progressively sillier — and windier — with each new bit. Hold onto your hat and watch below. Julie Kliegman
The World Health Organization dismissed a call Saturday to move or cancel the Rio Summer Olympics due to the spread of the Zika virus. The U.N. agency was responding to a Friday open letter from 150 health experts urging them to delay or relocate the event "in the name of public health," citing the mosquito-borne virus' link to birth defects.
"Based on the current assessment of the Zika virus circulating in almost 60 countries globally and 39 in the Americas, there is no public health justification for postponing or cancelling the games," the group's statement read.
The Zika virus is thought to have originated in Brazil. Julie Kliegman
Speaking at Harvard University, Federal Reserve Chairwoman Janet Yellen said Friday that she expects to hike interest rates "probably in the coming months" if the economy continues to improve.
Yellen noted that "growth looks to be picking up from the various data that we monitor," referencing rising oil prices and a weaker, stabilizing dollar as the rationale for her decision, which corresponds with recent remarks from other Fed policymakers.
She argued that a gradual increase from the near-zero rate the central bank has maintained since the 2008 financial crisis "would be appropriate" to push inflation toward the Fed's 2 percent goal. Bonnie Kristian
Things are looking good for Cleveland Cavaliers star LeBron James, and not only because he's expected to star in the long-awaited Space Jam sequel.
James scored 33 points Friday in the Cavs' 113-87 rout of the Toronto Raptors. With the win, his team earned a spot in the NBA Finals against either the Oklahoma City Thunder or the Golden State Warriors, which would be a rematch of last year's contest.
This means, as The New York Times reports, that James is set to appear in his sixth-straight NBA Finals, and seventh overall. He's a two-time champ, both from when he took his talents to the Miami Heat. Julie Kliegman
Police arrested at least 35 people Friday at a San Diego rally for Donald Trump. About 1,000 people turned out to protest the hard-line immigration policies of the presumptive Republican presidential nominee, Reuters reports.
Clashes between protesters and supporters were largely non-violent, but police in riot gear began pushing and pepper spraying protesters.
.@SanDiegoPD- Fantastic job on handling the thugs who tried to disrupt our very peaceful and well attended rally. Greatly appreciated!
— Donald J. Trump (@realDonaldTrump) May 28, 2016
Trump's campaign has come under fire for its history of conflict at rallies and its subsequent handling of both protesters and reporters. On Wednesday, police arrested protesters at Trump's Anaheim rally after they reportedly pelted officers with objects. Julie Kliegman
Only in America: Home Depot employee gets death threats for wearing 'America Was Never Great' hat
A Home Depot employee in Staten Island, New York, sparked death threats by wearing an "America Was Never Great" hat to work, The New York Times reports. Krystal Lake, 22, says she wore the hat after several co-workers wore pro–Donald Trump pins. "The point of the hat was to say that America needs change and improvement," Lake said. A company spokesman said Lake has been told never to wear the hat again.


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Why We Should Be Excited About RadarWritten by chuck on June 14, 2015 – 10:21 am -
Radar technology is awesome, and we've been using it in really innovative ways recently. From emergency response to dynamic cruise control to….quantum physics, the future of radar has a lot in store!
If you order from amazon.com please click on the link at the top of my page. I need some income to help pay for the blog. I had three companies that wanted to place ads on my blog. But they are pop-up ads and I hate pop-up ads. I do not like to see them and I am sure you don't.
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Facts showing just how far the human race has come.Written by chuck on April 21, 2015 – 8:50 am -
Please help support my blog. Please order from amazon from my link. It cost you nothing but I received a few cents on every order. Thanks.
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Personal flamethrowerWritten by chuck on March 21, 2015 – 10:30 am -
by Andrew Tarantola | @terrortola
The XM42 from Ion Productions is every pyromaniac's dream come true: a personal, portable flamethrower that's (amazingly still) legal everywhere except California. You'll be able to get your own flame on for as little as $700 when the company launches its IndieGoGo campaign on March 23rd.
Read more with close up photo of frame thrower
Please help support my blog. Please order from amazon from my link. It cost you nothing but I received a few cents on every order. Thanks.
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'Hatred' Lands Rare 'Adults Only' Rating In North AmericaWritten by chuck on January 20, 2015 – 6:00 am -
Paul Tassi
Color me unsurprised, but Hatred has come back from the ESRB with a very rare "Adults Only" (AO) rating, something the industry rarely ever sees in favor of the far more common "M for Mature," that most violent titles receive, including the likes of Grand Theft Auto. It's similar to the also-rare NC-17 rating among movies that's a step above R, and both classifications pose distribution problems for the media in question. NC-17 films have a hard time finding theatrical distribution much of the time, and few retail outlets will carry AO games.
The Hatred team seemed a bit surprised with the AO, as one dev said on their forums:
"Well, I'm not quite convinced why Hatred got AO rating while it lacks any sexual content, but it's still some kind of achievement to have the second game in history getting AO rating for violence and harsh language only. Even if this violence isn't really that bad and this harsh language isn't overused."
The only other game to receive an AO for straight violence is Manhunt 2. Other titles that have been branded with the rating had a sexual component like Indigo Prophecy, or GTA: San Andreas, once it was revealed the game contained an interactive sex minigame, the famed "Hot Coffee" mod.
In short, your game has to be practically the most brutal in existence to land an AO for violence alone, and it appears Hatred has done just that.
Similar to Manhunt, from the demo footage, Hatred does appear to feature prolonged execution sequences of extreme and horrific violence. But unlike Manhunt, many of these acts are performed on civilians. For all Manhunt's brutality, for the most part, the other characters you were killing were also murderers or at least general "bad guys." Hatred is all about hunting the innocent, or at best, cops that are shooting back at you.
Please help support my blog. Please order from amazon from my link. It cost you nothing but I received a few cents on every order. Thanks.
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Mysteries of the Unseen WorldWritten by Ed on June 28, 2014 – 8:19 pm -
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I assume sexy toys will be the real thing now?Written by chuck on April 11, 2014 – 10:15 am -
After decades of work, a team of doctors say they've successfully engineered vaginas that have been implanted and grown in women. The vaginas were grown in a lab from the female patients' own cells and later transferred to their bodies, where they formed into normal vaginas. The breakthrough bears some huge implications, too.
It sounds confusing at first, but the process was fairly simple. Anthony Atala from the Wake Forest School of Medicine led the research using a technique developed in the 1990s. The patients were all women born without functioning vaginas due to a rare but severe condition known as Mayer-Rokitansky-Küster-Hauser Syndrome. While they all had vulvas, the external part of the female sex organs, they didn't have a vaginal cavity, meaning they couldn't menstruate or have sex. There were also, obviously, psychological effects.
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Luxury driverless concept car offers view to the futureWritten by Ed on March 29, 2014 – 11:42 am -
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Chrome Extensions to send ad- and malware-filled updatesWritten by chuck on February 19, 2014 – 10:39 am -
Adware vendors buy Chrome Extensions to send ad- and malware-filled updates.
One of the coolest things about Chrome is the silent, automatic updates that always ensure that users are always running the latest version. While Chrome itself is updated automatically by Google, that update process also includes Chrome's extensions, which are updated by the extension owners. This means that it's up to the user to decide if the owner of an extension is trustworthy or not, since you are basically giving them permission to push new code out to your browser whenever they feel like it.
To make matters worse, ownership of a Chrome extension can be transferred to another party, and users are never informed when an ownership change happens. Malware and adware vendors have caught wind of this and have started showing up at the doors of extension authors, looking to buy their extensions. Once the deal is done and the ownership of the extension is transferred, the new owners can issue an ad-filled update over Chrome's update service, which sends the adware out to every user of that extension.
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Mind Over MechanicsWritten by Ed on January 21, 2014 – 3:51 pm -
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Mac now supports WindowsWritten by chuck on December 11, 2013 – 12:41 pm -
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Francesco DAcunto & Gaia Narciso
For the third time in six years, Italians are called to vote for their national representatives. It is the sixth time that electors vote in a context of media bias. For ten years during the period 1994-2011, Berlusconi has controlled six out of seven national channels, due to his dual role as a media tycoon and prime minister. Besides the anecdotal evidence, Durante and Knight (2012) recently investigated the extent of the media bias towards Berlusconi, and have estimated its magnitude in terms of time and quality of coverage of Berlusconis party and opponents.
But how much does media bias affect electoral outcomes? Della Vigna and Kaplan (2007) provide evidence that the introduction of Fox News increased Republican vote by 0.4 to 0.7 percentage points in the 2000 Presidential elections. Enikolopov et al (2011) analyse the 1999 Parliamentary elections in Russia and document that availability of an independent national TV channel decreased the vote for the government party by about nine percentage points.
Our recent work addresses the Italian case (Barone et al 2012). This case is interesting because, contrary to the US and Russia, all Italian voters know that Berlusconi owns the major commercial TV network since the early eighties. We exploit exogenous variation in viewers exposure to Berlusconi bias using idiosyncratic deadlines to switch to digital TV from 2008 to 2012. At the deadlines, old analogue signals were switched off and only digital signals kept on airing. Digital TV improved transmission efficiency, and increased the number of free national channels tenfold. Most digital channels are aired by new media companies, which have no ties to Berlusconi. After switching to digital TV, many Italian households changed their viewing habits. From June 2008 to June 2011, the share of viewers of Berlusconi-controlled channels dropped from 84% to 71%. Over the same period, viewers of new channels increased from 2% to 17%. We explore the causal effect of the shock to bias exposure on voting behaviour at regional elections in March 2010, the first elections held during the switch-off process. We look at Piedmont, a region where western towns switched to digital TV in autumn 2009, while eastern towns switched in autumn 2010. This setup allows us to compare the electoral outcome of Berlusconis party between municipalities that were exposed to the new digital channels and those where the digital switch-off had not taken place yet. In order to


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Valleyview, Canada
Photos from ValleyviewPictures of Valleyview (9)
Hotel Deals in Valleyview
Hotels in ValleyviewValleyview Accommodations (1)
Paradise Inn & Suites Valleyview
3609 Highway Street, Valleyview, Canada
Travel Blogs from ValleyviewValleyview Travel Blogs (5)
Drive to Valleyview, AB
The drive here was nice; big hills with great views. Very surprised there is a 2-lane divided highway. The campground even has a good trail by a small ...
Close to Alaskan Highway
... . All of the places so far have had long term residents. The oil and gas boom through this huge section of Canada has created a demand for housing that lots of people are meeting with trailers and campers. Our neighbor in Regina had a 30 ...
Long Drive
... , The Battlefords, Lloydminster, Edmonton and White Court. Bought groceries in White Court. Went on to Sherk's RV Park near Valleyview, nice clean place. Hamburgers and beans for supper. ...


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I had a bit of makeup in my eye when I wore my contacts and my contacts have turned a light pink round the edge. Can I still wear them?
Written answer:
After rubbing them gently with your contact lens solution, rinsing them well and soaking overnight, they should be fine. If the pink colour remains it would be best to replace it.
We recommend you seek professional advice if you are concerned about your eye health:Book an appointment


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The Championship side were no match for the Barclays Premier League champions, who responded to last week's title setback with a dominant display at the Etihad Stadium.
Yaya Toure began the procession early on before Aguero added a penalty and a fine finish either side of a close-range Carlos Tevez effort.
- Soccer
- Sports & Recreation
- Barclays Premier League
- Yaya Toure


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Shapeways: Bring your creativity to life in 3D http://www.shapeways.com/forum/index.php Shapeways: Bring your creativity to life in 3D Min void vs Min thk? http://www.shapeways.com/forum/index.php?t=rview&goto=45873&th=8680#msg_45873 <![CDATA[I'm working on a pendant that has lettering on it. My first attempt was raised lettering, but then I decided to try subtracting the letters instead (partly to lower the volume and hence, the cost). The model was rejected (see attached) citing a minimum opening as the cause. Is this roughly comparable to the minimum thickeness of any given material or is there some other value for a gap that prevents adjacent material from fusing back together?

 Loving the products I have received so far, by the way...

 Thanks

 RMc]]> Greek2Me 2012-03-23T16:37:22-00:00 Re: Min void vs Min thk? http://www.shapeways.com/forum/index.php?t=rview&goto=45874&th=8680#msg_45874 <![CDATA[When subtracting text, in metal prints (what material was it rejected in?) the depth can not exceed the width. Meaning if your letters are .5mm wide, they can be at most .5mm deep. Also, your item appears to be hollow? Perhaps your gaps are too small for the build material to escape? ]]> Youknowwho4eva 2012-03-23T16:52:02-00:00 Re: Min void vs Min thk? http://www.shapeways.com/forum/index.php?t=rview&goto=45875&th=8680#msg_45875 <![CDATA[Yes, it was intended to be hollow to allow for enough thickens to provide for two minimum thick walls and a void between. I thought it would be cool to be able to see thru (abeit slightly). Never thought about material being trapped, so I suspect the latter is true. The gap is something on the order of .02 inches. It was ordered in bronze. Suggestions?

 RMc]]> Greek2Me 2012-03-23T17:19:02-00:00 Re: Min void vs Min thk? http://www.shapeways.com/forum/index.php?t=rview&goto=45878&th=8680#msg_45878 <![CDATA[So your gap is around .5mm for a stainless print. By the stainless rules the minimum gap for near touching parts is 3mm. I'm not sure if it's this rule in violation or not. I'll see if I can get a clearer answer for you.]]> Youknowwho4eva 2012-03-23T17:38:34-00:00 Re: Min void vs Min thk? http://www.shapeways.com/forum/index.php?t=rview&goto=45879&th=8680#msg_45879 <![CDATA[Remember that as you indent the lettering, the wall thickness in the indention is getting thinner too. I know I'm stating the obvious here, but it's a trap that I fall into from time to time.

 I start with the green box and hollow it out. Then, I indent some feature, producting the red box, and forget that what was a nice comfortable 1mm is now 0.5mm thick. Of course it gets rejected because I forgot what I was doing, and I have to go back and update to the yellow box with more material behind the indention.

 ]]> stonysmith 2012-03-23T18:06:42-00:00 Re: Min void vs Min thk? http://www.shapeways.com/forum/index.php?t=rview&goto=45887&th=8680#msg_45887 <![CDATA[This is CLEARLY going to take a lot more study of the various material design sheets! I look thru various galleries and the pics SEEM to show relatively small items with VERY intricate (and thin) meshes, such that I didn't think what I was doing even came close to the limits. Please be patient with me, I'm trying to work thru as much as possible without hounding you about every little aspect of this. Looking forward to printing some really good stuff!

 Thanks.

 RMc]]> Greek2Me 2012-03-23T22:02:18-00:00 Re: Min void vs Min thk? http://www.shapeways.com/forum/index.php?t=rview&goto=45917&th=8680#msg_45917 <![CDATA[So you are saying that the minimum slot for "negative" letters would be around 1/8" (3mm)??? That pretty much rules out this style of text on small items doesn't it? Guess I'll have to go back to a solid object with recessed text. Apparently the printing process treats that as a "detail" and provides for much finer tolerances.]]> Greek2Me 2012-03-24T14:11:03-00:00


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JOHANNESBURG –One of the few shops that Kenyan soldiers didn't loot during last month's siege by terrorists of a Nairobi shopping mall was a local shoe store, Bata, according to closed-circuit video footage.
Kenyan media have reported that soldiers began stealing almost as soon as they arrived on the scene shortly after the attack began, with assailants and some victims still inside.
The looting has outraged many Kenyans and embarrassed the military chiefs, who met Thursday to discuss the scandal.
A jewelry shop in the upscale shopping mall was emptied, with thousands of dollars in precious gems stolen. Security forces looted watch and clothing shops, grabbed cash from tills and ATMs and tried to shoot their way into a casino safe, according to local media reports.
Kenya's Star newspaper reported that video showed three soldiers in the Nakumatt supermarket at 9.12 p.m. Sept. 21, the first day of the assault. One held a plastic bag open while another emptied the cash from first one till and then another into it.
The three walked out of the mall carrying shopping bags stuffed with cash.
Yet another soldier was seen walking out of the supermarket with two full shopping bags, heading toward the basement. Others strolled around the supermarket taking items from the shelves.
The reports of widespread looting follow another high-profile looting case by security and emergency officials on Aug. 7, when Nairobi's main international airport went up in flames.
The mall looting took place as various security agencies disputed who was in charge at the mall. Lack of communication led to a chaotic response and incidents of security personnel being killed by friendly fire, local media has reported.
According to the Star, the military took control of the mall shortly after 7 p.m. "From 7.08 p.m. until 10.30 p.m., there are no gunshots coming from the mall. The footage shows different soldiers walking in and out with some stopping to chat," the newspaper reported Thursday.
President Uhuru Kenyatta has ordered an investigation into security lapses after reports that police ignored intelligence warnings of a planned attack.
The Ministry of Defense issued a statement late Thursday after the meeting of military chiefs, saying soldiers were not the only security forces inside the mall, but that the ministry was determined to establish the truth about the accusations of looting.


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Boiling of the Blood
But the natural philosopher and the dialectician would give a
different definition of each of the affections, for instance in
answer to the question 'What is anger?' For the dialectician
will say that it is a desire for revenge or something like that,
while the natural philosopher will say it is a boiling of the blood
and hot stuff about the heart.
Aristotle, De Anima
Changes in Emotion
William James, the father of modern psychology, argued that physiological change is essential to emotion. In his epoch-making Principles of Psychology1 he famously pronounced that 'the bodily changes follow directly the perception of the exciting fact, and… our feeling of the same changes as they occur is the emotion'.
James was almost certainly wrong to say that 'every one of the bodily changes, whatsoever it be, is felt, acutely or obscurely, the moment it occurs', for it is not true that we are consciously aware of all the physiological changes that occur during emotional experience. Many visceral changes in particular take place below the level of awareness: we have no idea of most of the goings-on in our stomachs and intestines. Moreover, many non-human animals appear to evince such emotions as fear, rage, and contentment, yet it is unclear whether and to what extent such animals can be consciously aware of their bodily states. However, in his main points about emotion, James, as so often, is right on target. As we shall see, he is correct to


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|HOME >> Airport Guide >> Restaurants&Shops
Search result: Terminal 2, Main Building, 4th Floor
|Japanese Cuisine
A Japanese style restaurant with a commanding view of the apron. Soba noodles made right in the restaurant!
|Japanese Cuisine
A spacious, sedate sushi restaurant in the tradition of the Japanese concept of "Wa". Enjoy seasonal delights with fresh fish in season.
|Japanese Cuisine
Offering the range of delicious ingredients dipped in light tempura batter.
|Chinese & Ethnic Cuisine
Authentic Chinese cuisine in quiet and comfortable surroundings, prepared at the hands of Shahoden's master chef. The restaurant owners believe that good health comes from eating healthy food and try to be creative in the way their food is cooked, using only healthy vegetable oil. Popular entrees are gomoku-yakisoba stir fried egg noodles with vegetables and meat, shrimp soup soba egg noodles in a soup with shrimps, tan-tanmen egg noodles in a soy sauce flavored soup with vegetables, sweet and sour pork served with rice, and chili sauce shrimp served with rice. Small groups and large parties are welcome.
|Menya Kookai
|Chinese & Ethnic Cuisine
Kookai's Chinese noodle soup is made by slowly simmering pork and chicken bones that have been carefully roasted to bring out their delicate and unique flavors and fragrances.
|obon de gohan
|Japanese Cuisine
A cafe serving healthy, well-balanced meals. Choose from over 20 types of main dishes and 3 different types of rice - white rice, brown rice and rice mixed with cereals and seaweed. The menu includes set meals with generous servings of vegetables, meat and fish dishes, Dashichazuke [rice served with soup], Udon noodles etc. to make you want to come back for more.
|Western Cuisine
The main menu item, Japanese curry made from choice Japanese ingredients, is popular among both Japanese and non-Japanese customers. The bright and casual atmosphere of the restaurant also makes it an ideal place to enjoy a cup of coffee.
|Sushi-go-round GANSOZUSHI
|Japanese Cuisine
Fresh seafood delivered daily from Tsukiji markets, 60 menu items priced at 130 yen [tax excluded] each plate. Always serving the best quality in blue fin tuna, premium sea urchin and other delicacies
|Japanese Cuisine
Udon wheat noodles and soba buckwheat noodles that go down effortlessly are served in a traditional fragrant Kansai stock made up from choice bonito and kelp. Enjoy a menu with seasonal selections such as fried tempura as well as noodle and rice bowl dishes that include a dazzling array of ingredients.
|Japanese Cuisine
Tonkatsu prepared by professionals from choice ingredients is the core of Japan's gastronomic culture.
|Sushi Misakimaru
|Japanese Cuisine
Fresh Edo style sushi and a wide range of set menus.
|UCC Cafe Plaza
|Cafes & Bars
UCC Café Plaza is a speciality coffee shop with a selection of fragrant coffee. The rich aroma of coffee helps customers unwind in the tranquil setting of the store.
|Fast Food
The world's number one hamburger shop, loved by a great number of people in over 90 countries. Excellent quality, great service, cleanliness, and great value is their motto. McDonald's guarantee delicious food, and a comfortable and relaxing time. Its value set menu is very popular and take out service is available for all items on the menu. Phone orders accepted.
|Fast Food
Osaka's most famous takoyaki restaurant.
|Japanese Cuisine
Specializing in takeaway Chakin zushi, Masu [salmon] zushi, Anago [conger eel] zushi and other superior zushi.
|CAFE & DINING N's COURT
|Japanese Cuisine
A spacious cafeteria with over 200 seats, the largest in Terminal 2.
|Take out
|Children's Menus
|View of Aircraft
|Smoking section
|No Smoking
|Reservations Accepted
copyright(C) NARITA INTERNATIONAL AIRPORT CORPORATION.


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troupernoun [C]uk /ˈtruː.pər/ us /ˈtruː.pɚ/
› a successful entertainer who has had a lot of experience
› approving anyone with a lot of experience who can be depended on and does not complain: Thanks for being such a trouper, and helping out all evening. He took his disappointment like a trouper.
Entertainers in general
synonyms and related words:
You can also find related words, phrases, and synonyms in the topics:


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Following last years successful Korean Blogathon, New Korean Cinema and cineAWESOME! hosted the event again in 2012 from 5th to the 11th March. The blogathon is a way to try to encourage as many people â including YOU! â to share and discover opinions and ideas about Korean cinema.
For one week they try to encourage as many people as possible to get involved writing about Korean cinema. Anything you want. Over the the course of the seven days this kicks up some really interesting posts â and, most importantly, people are able to read what youâve written and discover films and ideas that theyâve never come across before, maybe learn a little about Korean film history, or maybe even discover websites and blogs they were previously unaware of.
Ideas for blog posts might include reviews, top tens, opinions on favourite directors / actors / genres, whatever you want â it just needs to be related to Korean cinema in some way. Last year fifty blogs participated, generating one hundred and fifty posts!
Here at Far East Films we also got involved, providing various reviews throughout the week as well as acting as a hub to show all the links that were being generated around the web. The following is a full list of all the material that was submitted:
March 11, 2012
March 10, 2012
March 9, 2012
March 8, 2012
March 7, 2012
March 6, 2012
March 5, 2012


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But first a little background: Islam calls for tolerance of "peoples of the book" (i.e. the Bible), and true to this belief the early Sultans set up millets (a self-governing status) for the Christian minorities, which were run by the head religious figure for that minority. Thus, the Armenian Patriarch headed the Armenian millet and the Greek Patriarch headed the Greek millet.
"The resignation from the Cabinet of Sheik ul Islam, representative of the Sultan in religious affairs, is confirmed. He disapproved of the extermination of the Christian elements, against which he protested to the Cabinet. The Greek, Armenian Patriarch has been deprived of all powers.


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Important Announcement
UPDATED (Apr 11, 2016)
Quality Outdoor Gear for Your Everyday Life
Whether you're an avid outdoors person, a student, a parent, or someone who just wants quality in what they buy at a reasonable price, True Heights is a unique shop with everyone in mind.
Outdoor gear and clothing are designed and tested to meet the demands of the outdoors so, you know you are getting something that will last, be functional and yes, even look good.
With numerous years of experience in hiking, backpacking, camping and paddling, we have gained the knowledge of what a true outdoor shop is like right off the trail. We draw on these experiences to create an atmosphere, both in décor and attitude that, although is in a suburban area, much like those trailside shops.
We may not be the biggest outfit in the Dayton Region yet but we are quickly becoming a leader because of our customer and community service.
With more than 20,000 miles hiked and 800 nights backcountry camping, the experience you get at True Heights can only be rivaled by shops that are located in places like Colorado, Oregon and Wyoming. True Heights owners don't count on training or the experience of others, they bring their first hand, "been there done that" experiences to the shop every day. Read more about the owners experience here.


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La Esperanza Ii Group
All the group members are very hardworking and have invested their loans in their respective business activities.
For instance, Gilda invested the loan in buying chicken meat, pork, beef, and others.
She sells meat in a butchers shop located in her home and her husband helps her with this.
She feels very satisfied with her business as it helps her family.
She is very grateful to all her companions in the group for the constant support there is between them and she wants to keep working.
Todas las integrantes son muy trabajadoras, quienes han invertido sus préstamos en sus respectivas actividades.
Así como la señora Gilda quien invirtio el credito en la compra de carne de pollo, cerdo, vacuno y otros.
Ella se dedica a la venta de carne en una carniceria que posee en su casa, en la actividad la ayuda su marido.
Se siente muy satisfecha con su actividad ya que le ayuda a su familia.
Agradece a todas a sus compañeras por el apoyo constante entre ellas y desea seguir trabajando.
Additional Information
About Fundación ParaguayaFundación Paraguaya is a financially self-sustaining social enterprise that promotes entrepreneurship in urban and rural areas through microfinance, education programs, and more. Its focus on agriculture has helped many farmers boost their crop yields. And a number of other borrowers have taken out loans to start and grow social businesses that have helped deliver eyeglasses, medicines and other helpful services in their local communities.
This is a Group Loan
In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.
Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.
About Paraguay
49View loans »
Success!! The loan was 100% repaid
- Repayment Term
- 6 months (Additional Information)
- Repayment Schedule
- Monthly
- Pre-Disbursed:
- Jul 29, 2010
- Listed
- Aug 28, 2010
- Currency Exchange Loss:
- Covered
- Ended:
- Dec 15, 2010


text:
|Current Title
|15 Feb 1930
|Archbishop Giorgio Zur
|Apostolic Nuncio Emeritus to Austria
|13 Jun 1930
|(Layman) Emmanuel Milingo
|Archbishop Emeritus of Lusaka
|24 Nov 1933
|Bishop Andrew Aaron Chisha
|Bishop Emeritus of Mansa
|26 Jun 1934
|Archbishop Eugenio Sbarbaro
|Apostolic Nuncio Emeritus to Serbia
|10 Jul 1937
|Bishop Emilio Patriarca
|Bishop Emeritus of Monze
|7 May 1939
|Bishop Raymond Mpezele
|Bishop of Livingstone
|14 Dec 1941
|Bishop Noel Charles O'Regan, S.M.A.
|Bishop Emeritus of Ndola
|2 Jan 1943
|Archbishop Giuseppe Leanza
|Apostolic Nuncio to Czech Republic
|15 Oct 1944
|Archbishop Orlando Antonini
|Apostolic Nuncio Emeritus to Serbia
|21 May 1947
|Archbishop Telesphore George Mpundu
|Archbishop of Lusaka
|27 Feb 1955
|Bishop Justin Mulenga
|Bishop of Mpika
|17 May 1955
|Archbishop Marcel Madila Basanguka
|Archbishop of Kananga, Congo (Dem. Rep.)
|21 Jul 1957
|Archbishop Nicolas Girasoli
|Apostolic Nuncio to Antigua and Barbuda, Antilles
|12 Aug 1957
|Archbishop Ignatius Chama
|Archbishop of Kasama
|8 Jul 1958
|Bishop Charles Phillip Richard Moth
|Bishop of Arundel and Brighton, England, Great Britain
|14 Jun 1959
|Bishop Benjamin S. Phiri
|Auxiliary Bishop of Chipata
|4 Feb 1960
|Bishop George Cosmas Zumaire Lungu
|Bishop of Chipata
|18 Aug 1961
|Archbishop Julio Murat
|Apostolic Nuncio to Zambia
|15 Nov 1963
|Bishop Alick Banda
|Bishop of Ndola
|15 Aug 1965
|Bishop Clement Mulenga, S.D.B.
|Bishop of Kabwe
|1 May 1967
|Bishop Moses Hamungole
|Bishop of Monze
|9 Aug 1967
|Bishop Evans Chinyama Chinyemba, O.M.I.
|Bishop of Mongu
|14 Dec 1968
|Bishop Charles Joseph Sampa Kasonde
|Bishop of Solwezi
|16 May 1971
|Bishop Patrick Chilekwa Chisanga, O.F.M. Conv.
|Bishop of Mansa
Home |
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|Copyright David M. Cheney, 1996-2016
Code: web_d, v3.1.5, 5 Feb 2016; Data: 2 May 2016


text:
Prime Minister Kevin Rudd says the exposure of a suicide attack plot in Australia is a sober reminder of the threat of terrorism to Australia.
Police arrested four men Tuesday in raids in the southern city of Melbourne involving more than 400 officers. Commanders said the
arrests foiled a plot linked to a Somali Islamic extremist group to
attack an Australian army base.
Rudd told a news conference that the arrests would worry
Australians but that security agencies are being vigilant in combating the terrorist threat.
He said exposure of the plot did not warrant a raising of the official terrorism alert from its current medium level, but that the raids are "a sober reminder that the threat of terrorism to Australia continues."


text:
Oklahoma City Barons: Grand Rapids blows leads but still beats Barons in shootout
GRAND RAPIDS, Mich. — Chad Billins and Gustav Nyquist were the only scorers in a shootout Wednesday night, helping Grand Rapids trim the Oklahoma City Barons 5-4 in an American Hockey League game before 5,531 fans at Van Andel Arena. Grand Rapids, the Detroit Red Wings' farm team, won the overtime session after blowing 2-0, 3-2 and 4-3 leads.
Griffins goaltender Petr Mrazek stopped all four Oklahoma City attempts in the shootout, including a try by former NHL scoring champion and Barons newcomer Jonathan Cheechoo. The former NHL All-Star was held scoreless in the game, although he and teammate Kristans Pelss tied with a game-high five shots on goal.
Another OKC newcomer, defenseman Brett Clark, had three shots on net and was minus-1.
Oklahoma City (19-16-6) picked up one standings point after coming back to tie 4-4. Mark Arcobello, Anti Tyrvainen, Tanner House and Martin Marincin had regulation goals for the Barons. Marincin finished with two points, assisting on House's goal that tied the game 3-3 with 4:06 left in the second period. Oklahoma City never led.
The Barons continue a three-game road trip at 7 p.m. Friday against the Milwaukee Admirals.


text:
Royalty Free Music Unique To Your Project - Every Time
Royalty Free Music » Genres » World » Romantic » Pastoral
Royalty Free Music — World & Romantic & Pastoral
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Carolan's WelcomeAn arrangement of the Celtic traditional song. Features hammered dulcimer and penny whistle. This very emotional and heartfelt track will go along perfectly to illustrate any scene with high emotional content.https://www.smartsound.com/producer/images/PS72_200.jpgSingle12404-ST$ 39.9512404-EX$ 59.9512404-W$ 149.95Genre: Cultural, Folk, Romantic, Traditional, World, Irish, Scottish Emotions: Calm, Heartwarming, Melancholy, Pastoral, Reflective, Soothing, Tender, Tranquil, Emotional Instrument: Guitar (Acoustic), Pennywhistle, Instrumental, Guitar Production Types: Commercials, Documentary, Indie Film, Nature, Travel
Carolan's Welcome from the album Celtic Spring (PS72)
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- Concerto for bass trombone and orchestra "The Arch" with St. Louis Symphony. David Robertson, conductor; Gerry Pagano, soloist.
- Cantata based on "In Flanders Fields" (John McCrae) - for premiere performance in November to be conducted by Roï Azoulay at Congregation Shaar Hashomayim - also including wonderful friend/tenor Gideon Zelermyer.
- Fanfare commissioned by the Montreal Symphony Orchestra (Spring 2017)
- Concerto for low brass section and orchestra with The Minnesota Orchestra. Osmo Vänskä, conductor; Doug Wright, Kari Sundström, Andrew Chappell, Steven Campbell, soloists
Listen To Our Featured Works
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there are no words
there are no other words For Chamber Orchestra or Band (Wind Ensemble). [Premiere date: August 7, Unity Concert, Mother Emanuel AME Church victims, SC]
Last Chants
Last Chants for clarinet, string trio (violin, viola, cello) and piano.
Premiere date: June 9, 2015: Walla Walla Chamber Music Festival.
Song of Myself
For soprano and wind ensemble. [Premiere date: April 26, University of Minnesota, Craig Kirchhoff]
Concerto Performer List
Over the years, Jim Stephenson has written concertos for an amazing group of musicians.
Here is a partial listing of the artists who have premiered Stephenson Concertos:
|Violin concerto #1: Jennifer Frautschi
|Trumpet/piano concerto: Marc Reese/Lisa Leonard
|Violin concerto #2: Alex Kerr
|Trombone concerto: Nitzan Haroz
|Flute concerto: Bill Larsen
|"Tempest" trombone concerto: Joseph Alessi
|Oboe concerto: Alex Klein
|Triple trombone concerto: Joe Alessi/Pete Ellefson/ Jon Whitaker
|Clarinet concerto: Dan Gilbert, David Shifrin or John Yeh
|Bass trombone concerto: Matthew Guilford
|Bassoon concerto: Norbert Nielubowski
|Tuba concerto: James Jenkins
|Horn concerto: Gail Williams
|Brass quintet concerto: Jacob Cameron et al.
|Trumpet concerto #1: Jeffrey Work
|Triple brass concerto: Charley Lea/Erich Peterson/Daniel Mattson
|Trumpet concerto #2 (Rextreme): Rex Richardson
|Trumpet Concerto #3: Ryan Anthony
Recent News and Upcoming Events
Holiday Pops - Racine
On December 5th, the Racine Symphony Orchestra played a whole evening of my Holiday Arrangements. Artistic Director Pasquale Laurino was delighted with the results.
Read More
World Premiere
Jubilant Light, for wind ensemble will be premiered by the St. Thomas Wind Ensemble, Matthew George, conductor.
PBS in Minnesota.
December 2015
World Premiere
The Arch - Concerto for bass trombone and orchestra "The Arch" with St. Louis Symphony. David Robertson, conductor; Gerry Pagano, soloist.
St. Louis SYmphony, David Robertson, conductor
April 2017


text:
Esrah Shah
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text: [[quoteright:213:http://static.tvtropes.org/pmwiki/pub/images/PMD_BRRT_8413.jpg]][[caption-width-right:200:The one where it all began, 10 years after it REALLY began.]]->''"Welcome! This is the portal that leads to the world of Pokémon!"''The first entry (or rather, [[OneGameForThePriceOfTwo entries]]) in the {{roguelike}} {{Pokemon}} spinoff series known as ''VideoGame/PokemonMysteryDungeon'', ''Red Rescue Team'' and ''Blue Rescue Team'' were released for the GameBoyAdvance and NintendoDS (respectively) in 2006. The story concerns the player character who awakens in a world inhabited exclusively by Pokémon, with no memories but their name and the subsequent discovery that they've inexplicably been transformed from a human into a Pokémon. Natural disasters (earthquakes, etc.) have been plaguing the land, and concerned citizens -- er, Pokémon -- have been banding together in "Rescue Teams" to help out Mons in need. The player quickly allies with another Pokémon to form a two-Mon rescue team of their own, while slowly piecing together clues about how and why they got here.---------!!This installment provides examples of:* AdvancedAncientAcropolis: The "Ruins" friend zone, hinting it may be HumanitysWake.* AndNowForSomeoneCompletelyDifferent: At some point in the after game, the player is able to control their team. Anyone you recruited before or will recruit will be playable. * AntiFrustrationFeatures: Almost all boss Pokémon found at the end a 99 floor dungeon have a 99.9 percent base rate of being recruited, meaning the player won't have to slog through the hour-long level again just because they got unlucky. The only exception to this is Mewtwo, who can't be recruited on the first battle but has the standard 99.9 chance on subsequent runs.* ApocalypseHow: Via ColonyDrop; something between Class 4 - Class 6 is implied. Or possibly Class X, if Xatu's prophecy is to be taken literally.* TheAtoner: [[spoiler:It's eventually revealed that the Trainer who abandoned his cursed Gardevoir is actually Gengar, and when this comes around, he's ready to try atoning for his sin and reversing Gardevoir's curse. This leads to an EscortMission that involves taking Gengar to Ninetails to learn how to undo the curse, and then taking Gengar to the Murky Cave to find Gardevoir and prove Gengar's change of heart to undo Gardevoir's curse.]]* BadassNormal: Most rescue teams probably qualify as this, as most of them ''are'' "normal" relative to each other.* BraggingRightsReward: Jirachi. If you can even manage to get down to him, you've practically already mastered the game.* BrickJoke: Upon entering Silent Chasm for the first time, Jumpluff states there is a terrifying monster deep within, which causes your Partner to fake a stomachache. Regardless what you choose, before the next mission, when Alakazam states how dangerous Mt. Thunder is you can fake a stomachache as well, which your Partner jokes to Alakazam, "My friend does this a lot, kind of embarrassing"* CardCarryingVillain: Medicham of Team Meanies proudly declares that their ultimate goal is [[TakeOverTheWorld World Domination]]. ([[RuleOfDrama ...which they intend to accomplish by doing rescue missions]]?)** Actually, they mention why they're doing rescues: Every mission gives them more money and influence in the eyes of society. Your team shuts that down pretty quickly, though-Meanies stops being a threat post Mt. Freeze.* CharacterPortrait* ColonyDrop: [[spoiler: A large meteor is threatening the planet]].* CoversAlwaysLie: The covers have the various members of both Team Meanies and Team ACT surrounding what appears to be the main characters. In the game, Team ACT are one of the good guys while Team Meanies are {{Card Carrying Villain}}s.** Except [[spoiler: late in the game Team ACT has to hunt you down, so its more of covers always spoil]].** Also, for some reason, one member is swapped out for the member of the other team on each box-it features Gengar being in Team ACT (which would make it Team AGT) and Charizard in Team Meanies.* DefeatMeansFriendship: The core of the Recruitment mechanic. In the post-game, this turns into DefeatMeansPlayable.* DialogueTree* EarlyBirdCameo: If you take the proper steps or insert special passcodes, you can acquire statues of Lucario and Munchlax, who had yet to appear in the main series by the time Red/Blue Rescue Team came out. Alakazam also mentions that Lucario is the greatest Rescue Team leader and heads the best Rescue Team out there, and aspires to become like him.* EasterEgg: As shown as the page image, if you stand the two game boxes on top of each-other (GBA being on the bottom respectively) it shows the two images to connect as one large image.* EventFlag: Usually major events in the plot are triggered by doing a certain number of missions. * EveryoneIsBi: Genders were (largely) missing for some reason. (Your PlayerCharacter is still identified as the gender you choose.) Thus, gender-based moves (like Attract) worked on ''any'' and ''every'' opponent Pokémon.* FlatCharacter: The partner. They mostly serve as a helping hand to the player. Doesn't go through as much CharacterDevelopment as the partner in ''Explorers''. * GottaCatchEmAll: Not a requirement, but it is nonetheless possible to recruit every Pokémon in the series up to this point.* HelloInsertNameHere: Both your character and partner. And your Rescue Team, obviously.* HyperactiveSprite* IChooseToStay: After completing the main story arc.* JerkWithAHeartOfGold: [[spoiler:Gengar.]]* LostForever: AI allies activating a Pitfall Trap will fall through and vanish. If said ally was a Pokemon that was recruited in the same dungeon, they're gone, no exceptions.* MakeAWish: If you beat Jirachi at the bottom of Wish Cave and turn down its recruit request, you can use the Wish Stone to make a wish.** ''Lots of Money'': Jirachi gives you 10,000 to 18,000 Poke.** ''Lots of Items'': Jirachi gives you a bunch of items from Wish Cave.** ''Friend Area'': Jirachi gives you immediate access to a Friend Area you don't already own.** ''More Power'': Jirachi gives you a bunch of Joy Seeds and Drinks.** ''Something Good?'': Jirachi raises your Rescue Rank, and if not that, gives you a free Pokemon you don't already have, and if you have both, gives you Poke.* TheMindIsAPlaythingOfTheBody: While the possible consequences of this are generally ignored, the game drops a few small hints here and there:** The game manual's introduction of the setting intones that not only does the player get turned into a Pokémon, but that their "thoughts and feelings" also become "more like a Pokémon".** When first introduced to their rescue team base, the player is excited, but immediately questions whether the feeling is truly ''theirs'', or the results of being turned into a Pokémon.** In the postgame, Lombre comments that he doesn't want to evolve into a Ludiculo if it means his personality will change from serious to carefree.* MythologyGag: You may recruit Pokemon that, in the main series, can only evolve by trading. In this case, you can evolve them by offering a [[BreakingTheFourthWall Link Cable.]]* NintendoHard: The post-game special dungeons with special restrictions, notably the dungeons that [[LevelDrain temporarily reset your Level to 1 while you're inside.]] When applied to a dungeon that also doesn't let you bring anything except a held item, prepare for one hell of a [[MarathonLevel Marathon]] LuckBasedMission.* NotQuiteDead: Despite that flashbacks heavily imply she was killed, [[spoiler: the postgame eventually reveals that the Gardevoir from the Ninetales legend is actually sealed within an ancient ruin.]]* ObviouslyEvil: Team Meanies. Probably invoked; with a [[UnfortunateNames lame name]] like that, who would suspect that world domination was a goal?* OhCrap: Your partner's reaction upon learning that a monster supposedly lurks at the bottom of Silent Chasm.* PlayableEpilogue* PlayerPersonalityQuiz: Given to you at the beginning of the game to determine what Pokémon you will become. * ProphecyTwist: Ninetales predicted that [[spoiler: when a certain human was reborn as a pokemon, the world would be put in danger. However, she never said he was the cause, nor that the two events had any relation to each other besides happening at the same time.]]* PurelyAestheticGender: Subverted. Gender DOES affect the pokemon you turn in at the end of the quiz. Furthermore, there are gender exclusive pokémon. They are pretty much ignored the rest of the game, however.* PurpleIsTheNewBlack: The Black Gummi sprite is actually a dull purple.* RandomlyGeneratedLevels * [[RareRandomDrop Rare Random Recruit]]: Holy cow, '''Kecleon.''' He has the lowest base recruit rate in the game, at '''''-33.9%''''' (yes, that is a negative number). To even have a shot at catching him, you need a Pokemon at maximum level that is holding the Friend Bow, and even then, its recruitment rate only tops at '''.1%'''. Not to mention that [[ShopliftAndDie you have to steal from one to force it into fighting]], and [[DemonicSpider they respawn endlessly in droves and are hellbent murderers...]]** Blastoise, Feraligatr, and Swampert can count as well, as they also have a -33.9% recruit rate and only spawn in the later floors of [[MarathonLevel Western Cave]], but they still aren't this to the extent of Kecleon.** CommonplaceRare: Some Pokémon that were ComMons in Generation 3 main games are not so common here. For example, Pidgey and Magikarp can be recruited only (the latter won't appear in ''Red Rescue Team'' at all until it's unlocked) in specific dungeons, where they spawn with an average rate of 1.50% and 2.13%, respectively.[[labelnote:Note]]For good comparison, Mew's spawn rate is anywhere between 0.21% and 1.22%, depending on the floor.[[/labelnote]]* SavePoint: Kangaskhan Rocks are used as these. * SavingTheWorld: The Pokémon world, anyway. [[spoiler:From a meteorite.]] * ScratchDamage: As you level up, [[CaptainObvious your damage decreases overall]], until you get to a point where the weakest enemies still cause you to lose 1 HitPoint. [[AvertedTrope If the gap gets higher still though, if their attacks hit, they do no damage.]]* SceneryPorn: Not just cutscene scenery, but also the Friend Areas were really well detailed, with good art and atmosphere. * ScrewThisImOuttaHere: The ever-valuable Escape Orb, which will let you instantly exit a dungeon while retaining anything you've picked up along the way.* ShopliftAndDie: God help you if you try to take an item from a Kecleon shop. ** Unfortunately, it's the only way to recruit Kecleon.* ShoutOut: One question in the personality quiz asks for your response if [[Franchise/TheLegendOfZelda a hand pops out of your toilet]].* SilentProtagonist / HeroicMime: You.* SoWhatDoWeDoNow: The main arc's ending.* TimedMission: Sort of. Spending too many turns on a floor will cause an ominous message indicating an incoming storm to appear. Spend more turns, and eventually a massive gust of wind will cause your team to get swept out of the dungeon, which has the same effect as fainting.* TerrainSculpting: One of the very last IQ skills lets you walk through ''anything''. This means you can walk straight through walls, which breaks them in the process and carves a path through solid rock.* VideoGameSettings: Most of the dungeons fall into one of these categories: (Listed in order of apperance) ** PlayerHeadquarters: The Rescue Team base** HubCity: Pokemon Square** GreenHillZone: Tiny Woods** NoobCave: Thunderwave Cave** DeathMountain: Mt. Steel** LostWoods: Sinister Woods, Uproar Forest, Howling Forest, and Purity Forest.** SlippySlideyIceWorld: Frosty Forest and Mt. Freeze.** PlanetHeck: Magma Cavern** BubblyClouds: Sky Tower** UnderTheSea: Stormy Sea, Far-Off Sea, Grand Sea, and Silver Trench** ShiftingSandLand: Desert Region** MarathonLevel: Any dungeon with 99 Floors.* WhamLine: [[spoiler:'''Gengar''': ''"Kekeh! And that human is the rotten coward that abandoned Gardevoir, correct? I don't think the human can complain about anything if we get rid of it. Isn't that right, (Player Name)?"'']]* YouAreWorthHell: In a postgame event, Latios is so desparate to locate his younger sister Latias in Pitfall Valley that he doesn't care if he becomes lost forever in it himself, so long as the two of them are together; bonus points for the place being called Hell Valley in Japanese. About the only thing stopping him is that you tracked down and defeated him in battle first.* YourDaysAreNumbered: Revealed to the player before TheVeryDefinitelyFinalDungeon, by Gardevoir:--> "Your role is nearing its end."* ZergRush: Monster Houses drop a whole bunch of hostile Pokemon in the room you're in. Bottlenecking them by walking back the way you came is generally a good idea to clear house, but if you brought a partner with you, expect for them to get hammered on the way back.


text:
Harris Academy of the Arts is proud to welcome three new staff members: Katie Morris, Kelsey Livingston, and Crystal Collins.
A graduate of Doane College, Katie Morris began teaching K-12 vocal music for Plainview Public Schools before moving to Lincoln with her soon-to-be husband. Katie believes every student has his or her own unique gifts and loves to help each one shine. She values music education for its ability to teach the value of hard work and that dedication and practice are necessities for success. She will teach flute, voice, piano, Kindermusik, and Children's Music Academy with Harris Academy of the Arts.
Kelsey Livingston joined Harris Academy of the Arts as the Special Events/ Outreach Coordinator. Kelsey is originally from Lone Tree, Colorado, and recently graduated from Concordia University in Seward, Nebraska. As the Special Events Coordinator, Kelsey will work with Harris's professional musicians to set up any and all performances for a wide variety of events, weddings, banquets, etc. Kelsey will also be involved in various outreach programs, getting Harris involved with the greater Lincoln community.
Crystal Collins has taken on the role of Financial Specialist for Harris Academy of the Arts. Crystal has a strong background in finance and small business having run her own wedding planning business for several years. As Financial Specialist, Crystal will work with the daily financial needs of Harris Academy of the Arts.
Harris Academy of the Arts is thrilled to have these very special individuals join the team. For more information about Harris Academy of the Arts or regarding private or group lessons, professional performances, or other inquiries, please call (402) 423-7121, or visit www.harrisacademyofthearts.com.


text:
SKILL LEVEL: Easy (Level 2)
SIZE: One Size 25¼ inches x 49¾ inches [64 x 126.5 cm], excluding fringe
PUBLISHED IN: Lion Brand Yarn Catalog - 2006 W
CORRECTIONS: None
7 dc + 6 ch1-spaces = 4" [10 cm] with A.
4 rows = 3¼ inches [9 cm] with A. When you match the gauge in a pattern, your project will be the size
specified in the pattern and the materials specified in the pattern will be
sufficient. The needle or hook size called for in the pattern is based on what
the designer used, but it is not unusual for gauge to vary from person to person.
If it takes you fewer stitches and rows to make your swatch, try using a smaller
size hook or needles; if more stitches and rows, try a larger size hook or needles.
Making a Gauge Swatch
With A, ch 176.
Row 1 (RS) Dc in 6th ch from hook (counts as corner dc and ch1-space), [ch
1, sk 1 ch, dc in next ch] across; turn 87 dc and 86 ch1-spaces.
Row 2 Ch 4, sk first ch1-space, dc in next dc, [ch 1, sk next ch1-space,
dc in next dc] across, end ch 1, dc in 4th ch of beg ch; turn.
Row 3 Ch 4, sk first ch1-space, dc in next dc, [ch 1, sk next ch1-space,
dc in next dc] across, end ch 1, dc in 3rd ch of beg ch; turn.
Rows 4-29 Rep Row 3.
Fasten off. Weave in ends.
Row 1
Learn to Crochet Instructions: http://www.lionbrand.com/learnToCrochet.html


text:
- EcuadorRetailFunding via VisionFund Ecuador
Fanny CeciliaEcuadorRetailFunding via VisionFund Ecuador
Katerine Ya...EcuadorClothingFunding via VisionFund Ecuador
Mujeres Valientes Group
This group's president is Omayra, 22. She has two small children she loves and strives daily to move them forward and give them everything they need. Omayra defines herself as a humble person filled with Christian values and very hardworking; these are the qualities that have made Omayra a woman who is worthy of admiration and respect from her family and her entire community.
The loan Omayra asked FODEMI for is to buy two young cows to raise and in time produce milk because Omayra works raising cattle and wants to increase her small business of raising animals. Omayra's dream is to continue working in her business and continue to grow more every day and to be able to give her children a good education thus improving her entire family's quality of life.
La presidenta de este grupo es la Sra. Omayra , ella tiene 22 años, tiene dos hijos pequeños a quien ama y lucha diariamente por sacarles adelante y darles todo lo que necesitan, Omayra se define como una persona humilde, llena de valores cristianos y muy trabajadora, son estas cualidades que han hecho de Omayra una mujer digna de admiración y de respeto de su familia y de toda su comunidad.
El crédito que Omayra solicito a FODEMI se lo va a invertir en la compra de dos vacas pequeñas, para crianza y la producción de leche en un tiempo, ya que Omayra se dedica a la crianza de ganado y quiere seguir incrementando su pequeño negocio de crianza de animales.
El sueño que Omayra tiene seguir trabajando en su negocio y seguir creciendo cada día más, y poderles dar a sus hijos una buena educación, y así mejorar la calidad de vida de toda su familia.
Additional Information
About VisionFund EcuadorVisionFund Ecuador is a microenterprise development fund that supports groups of entrepreneurs who lack access to formal financial systems. The organization works with vulnerable populations, especially women, in the marginalized urban and rural sectors of Ecuador. Its clients work in a variety of sectors including agriculture, artisan crafts and the commercial and service sectors. Kiva lenders' funds are used to expand the organization's services to the poor living in more rural parts of Ecuador.
This is a Group Loan
In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.
Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.
About Ecuador
29View loans »
US Dollars
Success!! The loan was 100% repaid
- Repayment Term
- 8 months (Additional Information)
- Repayment Schedule
- Monthly
- Pre-Disbursed:
- Dec 17, 2012
- Listed
- Jan 10, 2013
- Currency Exchange Loss:
- Ended:
- Aug 2, 2013