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Alpinestars calls this tank top "The Magic" because that's what happens when you put it on. The combination of its yarn dye stripes and cute mini-placket somehow bring the wearer a lot of extra attention — especially from the opposite sex. The smooth feel of cotton/poly blended fabric on your skin will help you deal with all this extra attention. It's hard to be confident if you're constantly itching your skin or readjusting your tank, after all.
- 60% Cotton/40% Polyester
- Placket with two buttons
- Woven Alpinestars tag sewn onto hem
- Yarn dye stripes
- Imported
- Made in the USA
- Brand: Alpinestars
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Luna the albino alligator to get new digs
Published: Wednesday, April 3, 2013 at 9:32 a.m.
Last Modified: Wednesday, April 3, 2013 at 9:32 a.m.
Let's get this gator party started.
Photo Galleries
Luna, the albino alligator holding court at the N.C. Aquarium at Fort Fisher, is getting a new pad and some roommates.
The seven-year-old alligator made her debut in a lush - albeit solitary - habitat in the aquarium's Cape Fear Conservatory in 2009.
Now, the starkly white six-and-a-half-foot albino alligator will swim and lounge with three young American alligators in the conservatory's larger alligator habitat. This will allow Luna to dive eight feet underwater and fully haul her body onto land in order to regulate her internal temperature, according to Hap Fatzinger, the aquarium's curator.
"Joining Luna will be three smaller American alligators with typical wild green alligator coloration," Fatzinger said. The male and two female six-year-old gators are in quarantine and come from Alligator Adventures in Myrtle Beach. They are being held to ensure they aren't harboring any ailments that could be detrimental to Luna's good health, Fatzinger said.
Albino alligators lack skin pigment and usually don't live for more than 24 hours in the wild due to sensitivity to UV radiation and an inability to camouflage themselves from predators, according to the Georgia Aquarium website. Luna is healthy and has been growing since she arrived at Fort Fisher, so the new habitat should allow her and the younger gators to continue thriving.
Fatzinger said it is unknown how long Luna's lifespan will be in captivity since so few albino alligators have been in human care. American alligators have a lifespan of up to 50 years in the wild and up to 80 in captivity. Fatzinger points to other facilities that have successfully housed albino alligators with normally colored ones and believes Luna will continue to grow and thrive with her new companions.
"Based upon discussions with experts we feel confident that by introducing Luna and the three smaller alligators to the exhibit at the same time, along with the size differential and male/female ratios, we will be successful in housing these animals together," he said.
And the aquarium hopes to add a new addition to the conservatory after the alligators are moved in the coming weeks. The aquarium is aiming to have at least one bald eagle move into Luna's old habitat later this summer.
"Our hopes are to convert this space into an exhibit for non-releasable bald eagles," Fatzinger said.
They are searching for juvenile eagles as opposed to older non-releasable ones who have experienced years of life in the wild. Once the birds are selected, the aquarium will submit permits to the U.S. Fish and Wildlife Service to display the birds of prey.
"Every bird has a different temperament and behavior," Fatzinger said, "We are trying to select the best birds for our facility."
In the meantime, Luna awaits her new digs, colorful companions and a life that is sure to be chomping with action.
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subset: commoncrawl


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Windy Ridge says thank you for a great season.
And evidently, they really mean it: Enjoy a half-price lunch from 1am-3pm Tuesday through Thursday, April 12-15 at Windy Ridge Cafe in Park City. This includes 50% off all food AND non-alcoholic beverages.
Meditrina's April wine social pits Napa versus Sonoma.
On Tuesday night, April 12, 6:30-8 pm, Meditrina presents valley vs. valley in the categories of sauvignon blanc, merlot, and cabernet sauvignon. Hosted by Anne Dorsey, the six wines will be paired with three light courses, one of which will be prepared by Mike Richey from Pago. $20 food and $25 wine plus tax and gratuity. Reserve your seat by calling 801-485-2055.
The best of Utah's beer and pizza at Zucca.
Unita's Crooked Line beers paired with Zucca's Chef Elio Scanu's fantastic gourmet pizzas takes collegiate cuisine to culinary heights never dreamed of. It starts at 7 pm on Wednesday, April 13. Call 801-475-7077.
Don't miss the 5th annual Union of the Birds and Bees
Roosters Brewing Company, Beehive Cheese Company and Union Grill are partnering again for the cheese, food and micro-brew blast benefitting Utah's first Ronald McDonald Family Room at Ogden Regional Medical Center. It's Saturday, May 14th, 2011 from 6:00-9:00 p.m. at the Grand Lobby in Ogden's Union Station.


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Useful Links
Alpine Convention
- Date submitted: 28 Oct 2011
- Stakeholder type: United Nations & Other IGOs
- Name: Alpine Convention
- Submission Document: Download
Full SubmissionFrom Rio 1992 to 2012 and beyond: 20 years of Sustainable Mountain Development What have we learnt and where should we go? The Alps Submission by the Alpine Convention for UNCSD 2012 KEY MESSAGES On the basis of their experience in the field of Sustainable Development, their role in wider contexts and their specific economic, environmental and social contexts, the Contracting parties of the Alpine Convention, through the Permanent Secretariat, recommend the United Nations, in the discussion at UNCSD to be held in Rio in 2012: to take into consideration the specific role of mountains and corresponding need for policies, in particular by strengthening transboundary institutional frameworks, to promote, where relevant, the establishment of regional mechanisms for coordinated and integrated transboundary cooperation for sustainable mountain development; strengthen existing mechanisms, such as the Alpine Convention and the Carpathian Convention, and promote the exchange of experiences and lessons learned, to recognise the role of mountain ecosystems to sustain and enhance the Earth?s sustainability by developing a reliable valuation framework including concepts of payment and compensation for ecosystem services as well as considering the economic value of services provided in the general interest (green accounting), to integrate challenges and assets of mountain regions on the way to a Green Economy framework in the conviction that a geographical differentiation is needed, to adopt a multi-sectoral, multi-level and multi-stakeholder approach enabling the UN to direct its Sustainable Development policy towards concrete areas of interest and to identify entities for cooperation and implementation of such policies at a regional level, to promote networks and partnerships of mountain stakeholders at all levels (governmental, civil society, and especially the private sector) and support the consideration on mountain related concerns within the relevant national and international organisations, to support mountain specific observation, knowledge and awareness on mountain specific environmental, economic and social aspects, to use the availability of the Alpine Convention to share its manifold experience in a specific regional Sustainable Mountain Development process for the purpose of knowledge exchange. GREEN ECONOMY 1. Vision Mountains and their economies are particularly exposed to Global Change. This means that greening economy is important for mountain economies to reduce their vulnerability and to increase local added value and employment as well as reconcile economic growth with Environmental protection and social progress. Mountain regions worldwide are rich in natural and environmental assets and have been recognized as particularly suitable for Green Economy with their natural and cultural diversity and importance for downstream regions in terms of resources and ecosystem services. Mountain areas are important innovation engines for sustainable development: be it in the field of sustainable mobility and transport, renewable energy supply, sustainable tourism or in other domains. Therefore the vision is to make the Alps becoming a model region for greening the economy in order to serve as a blueprint for other mountain areas in the world. 2. Toolbox By acknowledging ?the need for economic interests to be reconciled with ecological requirements?, the Alpine Convention gives a clear statement for Sustainable Development in the Alps. The multi-sectoral approach proposed by the Alpine Convention and put into practice in the protocols and other instruments fully meets the requirements as defined in the UNEP Green Economy Report. This approach aims, inter alia, at recognizing and adequately compensating the services provided by mountain areas in the general interest, where necessary by correcting market failures related to the specificities of mountain territories. The Alpine Convention proposes the selection of key sectors for mountain regions, reflecting its activities as by the Multiannual Programme 2011-2016: Water and Energy: The Alps are a water tower for Europe and large areas including metropolises are dependent on this resource; in many mountain areas responses to the challenge of bringing into accordance highland necessities with downstream needs already exist. Due to topography, altitude and large forest surfaces, the renewable energy potential in mountain regions is higher than that of many lowland areas. The development of this potential at the same time represents a challenge for landscape and biodiversity. The rough mountain climate has always made it necessary to rely on decentralised solutions and on energy efficiency, even more under the effect of climate change. The Alps are thus a laboratory of innovation and good practices. The Action Plan on climate change and the guidelines for small hydropower are examples of actions by the Alpine Convention aimed at building on innovation and spreading good practices Biodiversity, landscape, agriculture and forestry: The Alps constitute within Europe the second largest reservoir of biodiversity after the Mediterranean Sea. Mountain agriculture and forestry have a special duty to conserve biodiversity and ensure connectivity for habitats and species. By a high share of products and services of high quality, including organic farming and extensive rangelands, mountain agriculture may serve as an example for conserving biodiversity in balance with human use of resources and interest. Tourism and transport infrastructures: By their landscape diversity, their remoteness and quietness, the mountain-specific offers and the high quality of natural resources, mountain regions such as the Alps attract an increasing number of tourists, leading to a pressure on the environment and a multiplication of secondary residences. Transport infrastructures and traffic flows cause noise, GHG emissions, air pollution and landscape fragmentation, as reflected also by the Alpine Convention study on external costs of transport. Green economy solutions include the shift of current freight transport systems to more eco-friendly systems, such as the railway and the improvement of public transport of passengers. INSTITUTIONAL FRAMEWORK 1. Vision The Alps have a long experience of Sustainable Development through various key actors at all levels (European, national, regional and local), including a lively participation from alpine-wide regional networks. The birth of the Alpine Convention itself, the first international legally binding instrument for a mountainous area, has been very much influenced by the alpine-wide NGO network CIPRA in the early 1950s. The Alpine Convention?s Contracting Parties and Observers have been working to spread the Convention?s spirit through local communities and regions and this experience has been considered with great interest also by other mountains regions worldwide. The functional connectivity of mountain regions with the neighbouring areas is on the rise and requires due consideration in the relevant institutional frameworks. The Alpine Convention, in its 20 years of activity, developed a rich governance toolbox based on transboundary cooperation, partnerships and networks. This allows a stronger vertical and horizontal involvement of stakeholders ranging from political decision-makers to NGOs and civil society actors from different areas, so that emerging issues may be better tackled at their specific functional level. 2. Toolbox In light of the experience of the Alpine Convention, the UN might progress in institutional framework reforms by supporting a multi-stakeholder multi-level approach suitable for mountain regions: Multi-stakeholder approach: In the Alpine arc, cooperation between the various actors takes place through a political process involving regular exchanges (international Working Groups and Platforms under the umbrella of the Alpine Convention, conferences, meetings, joint studies and projects). The numerous networking entities, be it at the governmental, NGO or research level, demonstrate a strong common intention in the search for sustainable development solutions in the Alps. The UN can build on the Alpine expertise, but also on emerging institutions in mountain research (e.g. ICIMOD in the Himalaya) and policy developments (e.g. Carpathian Convention). The Memorandum of Cooperation between the Alpine Convention and the Carpathian Convention reflects the capacity of institutional knowledge-transfer of the Alps. Multi-level approach: Alpine networks and organisations, in several cases a direct effect of the presence and of the activities of the Alpine Convention, have successfully supported the Alpine Convention contribution to actions taken at the local and regional level. Questions of a multilevel governance are discussed and a more global perspective is currently being developed, whereby the Alpine Convention aims at intensifying cooperation with and between local stakeholders while also strengthening the implementation of Sustainable Development on a supra-national level. The Alpine Convention is convinced that the focus on functional areas such as mountain ranges can help UN Sustainable Development policies to approach environmental and Green Economy challenges on a regionalised level, according to the Local Agenda 21 concept (thinking globally, acting locally).


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There is almost nothing worse than driving for days or hours or even seconds in a car that smells like vomit. It's a flat-out trip-ruiner.
Bring some plastic bags. Kids puke a lot; it's just part of life.
And children also get scrapes and cuts. You never know when and you can't predict how, but if your child falls or gets hurt, a package of Band-Aids will offer her some relief.
And it might distract her as you continue down the road.
For our final tip, consider driving giving the kids a rest.
Are you afraid of the dark?
No. 1: Drive by night
All kids get bored sitting in the car for hours. It's like a law of nature; look it up.
No matter how many videos they watch or how many stops you make, there is nothing like a big nap to occupy your kids for a long time.
Traveling at night means they will be sleepy and it'll be dark. Bring a pillow. Even bring some of their favorite bedtime gear, a stuffed animal or favorite blankie.
If you can manage to stay awake yourself, it's a great time to drive.
The downside is that the kids get a good night's sleep, but mom and dad will be extra sleepy the next day. But sometimes it worth it to have some blissful quiet.
Do you remember what it's like to have quiet time? Us either, but we think it sounds nice.
Distributed by Internet Broadcasting. This material may not be published, broadcast, rewritten or redistributed.


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This event has ended.
"Flights of Fancy" — Stories for Children
Story Time Series
Monday, May 13, 2013
11:00 am
Boeing Aviation Hangar
Udvar-Hazy Center in Chantilly, VA
In celebration of National Children's Book Week, the Museum will offer a Flights of Fancy Story Time Series for visitors ages two through eight-years-old and their adult companions. Staff and local librarians will read stories about famous aviators, hot-air balloon flights, trips to Mars, the night sky, and winged creatures that soar through the skies. Afterwards, will have an opportunity to partake in book signings as available and do a hands-on art activity.
These programs are made possible through the generous support of the Conrad N. Hilton Foundation
Directions to the Steven F. Udvar-Hazy Center in Chantilly, VA
Udvar-Hazy Center Floorplan


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Rated 1 out of 5 by 1 reviewer.
Rated 1 out of 5 by SusieVDW Horrible Rug - rug dust all over house We really liked the looks of this rug, and we still do. The problem is that it sheds like CRAZY. I have vacuumed it multiple time and we still get rug fibers all over the house - everywhere. I am a very neat/clean person, and this is driving me nuts. Forget sitting/kneeling on the rug with black pants because you will have rug fibers all over yourself. I've had this rug for two months now and I think I've given it a fair shot since I've vacuumed it over 10 times now...and it is still shedding horribly. I would not wish this rug on my worst enemy. January 7, 2013
1-1 of 1


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Spirit of BH award winner Michael Ryan, a senior wellness management major from Ethete, Wyo., was recognized during the annual Student Volunteer Awards banquet for his contributions to BHSU and the community. Ryan has been on the BHSU dean's list every semester and carries a 3.71 gpa. He has also been an outstanding distance and middle distance runner for Yellow Jacket coach Dave Little. He qualified for the NAIA national championship on four different occasions.
The talented senior also serves as president of the BH chapter of the American Indian Science and Engineering Society. As president he has been involved in recruiting trips, speaking to Upward bound students, visiting with students on the reservation about college and raising funds for books and study supplies for a study center.
In presenting the award, BHSU Alumni Board President Ron Schuttler said, "Mike Ryan sets standards of excellence and works hard to maintain them, be it in the classroom, athletics or with his student organizations. He has sacrificed much of his time in order to promote Black Hills State University, and more importantly, be a role model for high school students."


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- Inside Athletics
- Tickets
- Social
- Fan Zone
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- E Fund
Ringdahl is just two strokes back of
"Maria played well today and is in good position to challenge for the individual championship in the final round tomorrow," said ETSU head coach Stefanie Reynolds Shelton. "We want to come out tomorrow as a team and put together a quality team score and finish strong."
Along with Ringdahl, fellow senior Natalia Giraldo (Cali, Colombia) - who was competing as an individual - finished seventh with a 2-over 75, while junior Lucy Gould (Bargoed, Wales) finished tied for 30th and sophomore Laura Jansone (Jurmala, Latvia) finished tied for 39th.
The final round of the John Kirk/Panther Intercollegiate will wrap up on Tuesday. Visit ETSUBucs.com following the day's play for a complete wrap up.


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Select the city where Peter P Jabbour lives to access his/her contact details.
With Canada411:
Canada411.caTM, Canada411TM, Yellow PagesTM, Walking Fingers & DesignTM, YP.caTM, Find. & DesignTM, YellowPages.caTM and YP ShopwiseTM are trademarks of Yellow Pages Digital & Media Solutions Limited in Canada. All other trademarks are the property of their respective owners. 18.104.22.168-20160418.1453


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Is the Little Bug Locket a scientific insect-observation chamber, a fashion statement, or a giggle-filled way to grab your friends' attention? After a few comments like "Are those really bugs around your neck?" you'll see that it's all three!
Slip the nylon necklace over your head and begin your insect excursion. Constructed of clear, high-impact plastic for 360 degree views of your buggy "friends," or anything else you'd like to keep safe and snug.
Bugs not included.
Ages 4 & up.
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Strawberry Rhubarb Cream RecipeRead Reviews Be the first to add a review
5 27 23
A friend gave me this recipe a long time ago. It's rich and creamy yet refreshing. I make this often in early summer when rhubarb is readily available.
- 1/2 cup chopped fresh or frozen rhubarb
- 2 tablespoons plus 1-1/2 teaspoons sugar, divided
- 1-1/2 teaspoons water
- 1/2 cup sliced fresh strawberries
- 1/3 cup heavy whipping cream, whipped
- Additional sliced fresh strawberries, optional
- In a small saucepan, combine the rhubarb, 2 tablespoons sugar and water. Bring to a boil, stirring constantly. Reduce heat; simmer, uncovered, for 10 minutes or until tender. Transfer to a small bowl; cool to room temperature.
- Place strawberries and remaining sugar in a food processor; cover and process until pureed. Stir into rhubarb mixture. Fold in whipped cream. Spoon into two parfait glasses or dessert dishes. Cover and refrigerate until chilled. Garnish with additional berries if desired. Yield: 2 servings.
Editor's Note: If using frozen rhubarb, measure rhubarb while still frozen, then thaw completely. Drain in a colander, but do not press liquid out.
Originally published as Strawberry Rhubarb Cream in Reminisce June/July 2007, p50
Sweet White Wine
Enjoy this recipe with a sweet white wine such as Moscato or a sweet Riesling.
Reviews for Strawberry Rhubarb Cream
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Reviewed Jun. 30, 2015
"Agree with the other reviews - a wonderful, light summertime dessert."
Reviewed Jun. 22, 2014
"Wow, excellent dessert!! Thank you for sharing!"
Reviewed Jun. 20, 2014
"Loved this dessert. It was light and delicious after a meal. Will definitely be making this again."
Reviewed Jun. 19, 2014
"My friends were impressed with the cream dessert and really liked it."
Reviewed Jun. 18, 2014 Edited Jun. 19, 2014
"This is delicious and a good low carb treat. Will be making this often. Thanks for sharing this recipe."


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Do you think Floridians should have to pay a tax when they purchase goods from out-of-state retailers? State law calls for Internet shoppers to fill out a form and send in 6% of their out-of-state purchases to the Florida Department of Revenue. Of course virtually no one does this.
Sentinel reporter Mary Shanklin is writing a story about the tax and would like to hear your opinions about it — especially if you will buy items from out-of-state Internet sites this year. Please email her at email@example.com or give her a call at 407-420-5538.


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Ranked among the nation's most integrated healthcare systems, Community Health Network is Central Indiana's leader in providing convenient access to exceptional healthcare services, where and when patients need them—in hospitals, health pavilions, workplaces, schools and homes.
When a woman permanently stops having menstrual periods, she has reached the stage of life called menopause. Often called the "change of life," this stage signals the end of a woman's ability to have children. Many physicians actually use the term menopause to refer to the period of time when a woman's hormone levels begin to change. Menopause is said to be complete when menstrual periods have ceased for one continuous year.
The transition phase before menopause is medically referred to as climacteric, but more recently has also been called perimenopause. During this transition time before menopause, the supply of mature eggs in a woman's ovaries diminishes and ovulation becomes irregular. At the same time, the production of estrogen and progesterone decreases. It is the enormous drop in estrogen levels that causes most of the symptoms commonly associated with menopause.
While the average age of menopause is 51, menopause can actually occur any time from the 30s to the mid-50s or later. Women who smoke and are underweight tend to experience an earlier menopause, while women who are overweight often experience a later menopause. Generally, a woman tends to experience menopause at about the same age as her mother did.
Menopause can also occur for reasons other than natural reasons. These include, but are not limited to, the following:
The following are the most common symptoms of menopause. However, each woman may experience symptoms differently - with some having few and less severe symptoms, while others have more frequent and stressful ones. The signs and symptoms of menopause may include:
In addition to the increase in the temperature of the skin, a hot flash may cause an increase in a woman's heart rate. This causes sudden perspiration as the body tries to reduce its temperature. This symptom may also be accompanied by heart palpitations and dizziness.
Hot flashes that occur at night are called night sweats. A woman may wake up drenched in sweat and have to change her night clothes and sheets.
Q: "I am 49 years old and have started exhibiting signs of menopause, with the most bothersome being hot flashes. I wondered if there is anything I can do to cope with these?"
A: Hot flashes appear as a result of decreasing estrogen levels. In response to this, your glands release higher amounts of other hormones that affect the brain's thermostat, causing your body temperature to fluctuate. Hormone replacement therapy has shown to relieve some of the discomfort of hot flashes for many women. However, the decision to start the supplementation or replacement of these hormones should be made only after you and your physician have evaluated the risk versus benefit ratio based on your individual medical history.
To learn more about women's health, and specifically hormone replacement therapy, the National Heart, Lung, and Blood Institute of the National Institutes of Health (NIH) launched the Women's Health Initiative (WHI) in 1991. The hormone trial had two studies: the estrogen-plus-progestin (HRT) study of women with a uterus and the estrogen-alone (ERT) study of women without a uterus. Both studies were concluded early when the research showed that hormone replacement did not help prevent heart disease and it increased risk for some medical problems.
The WHI recommends that women follow the Food and Drug Administration (FDA) advice on hormone (estrogen-alone or estrogen-plus-progestin) therapy. It states that hormone therapy should not be taken to prevent heart disease.
These products are approved therapies for relief from moderate to severe hot flashes and symptoms of vulvar and vaginal atrophy. Although hormone therapy is effective for the prevention of postmenopausal osteoporosis, it should only be considered for women at significant risk of osteoporosis who cannot take non-estrogen medications. The FDA recommends that hormone therapy be used at the lowest doses for the shortest duration needed to achieve treatment goals. Postmenopausal women who use or are considering using hormone therapy should discuss the possible benefits and risks to them with their physicians.
Practical suggestions for coping with hot flashes include:
Specific treatment for menopausal symptoms will be determined by your physician based on:
Several therapies that help to manage the symptoms often associated menopause include the following:
Hormone replacement therapy (HRT) involves the administration of a combination of the female hormones estrogen and progesterone during perimenopause and menopause. HRT is most commonly prescribed in pill form. However, estrogen can also be administered by using transdermal skin patches and vaginal creams.
The decision to start the supplementation or replacement of these hormones should be made only after you and your physician have evaluated the risk versus benefit ratio based on your individual medical history.
Estrogen replacement therapy (ERT) involves the administration of estrogen alone, which is no longer being produced by the body. ERT is often prescribed for women who have had a hysterectomy. Estrogen is prescribed in the following forms: pills, transdermal skin patches (where the estrogen is absorbed through the skin), and vaginal creams.
The decision to start the supplementation or replacement of this hormone should be made only after you and your physician have evaluated the risk versus benefit ratio based on your individual medical history.
When approaching menopause, every woman should discuss each option - the potential risks and benefits - with her physician.
Click here to view the
Online Resources of Gynecological Health
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Clarence Edward Manders
Position: FB-HB
Height: 6-0 Weight: 200 lbs.
Born: May 5, 1913 in Milbank, SD
Died: January 20, 1985 in Des Moines, IA
High School: Milbank
College: Drake (school history)
Drafted by the Brooklyn Dodgers in the 2nd round (11th overall) of the 1939 NFL Draft.
Weighted Career AV (100-95-...): 0 (15060th overall since 1950)
Relatives: Brother of Jack Manders
3-time Pro Bowler & 1-time First-Team All-Pro (fine print)
Let people know you like this site. Sponsor this page for $5. Your message will replace this ad.


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Usually, Windows automatically detects possible problems with your computer's memory and displays a notification that asks if you want to run the Memory Diagnostics Tool.
When you receive a notification about a possible memory problem, click the notification so you can choose between two options for when to run the Memory Diagnostics Tool:
You can restart your computer and run the tool immediately.
You can restart your computer and run the tool later.
If you choose to restart your computer and run the tool immediately, make sure that you save your work and close all of your running programs. The Memory Diagnostics Tool will run automatically when you restart Windows. While the Memory Diagnostics Tool runs, you will see a progress bar indicating the status of the test. Once the test is done, Windows will again restart automatically.
If the Memory Diagnostics Tool does not find any errors, you'll get a message that no errors were found.
If the Memory Diagnostics Tool detects errors, contact your computer or memory manufacturer for more information.
If the Memory Diagnostics Tool detects problems with your computer's memory, contact your computer or memory manufacturer for information about fixing the problem.
We recommend that you let the Memory Diagnostics Tool run automatically. However, advanced users might want to adjust the tool's settings.
When the Memory Diagnostics Tool starts, press F1.
You can adjust the following settings:
Test mix. Choose what type of test you want to run. These options are listed when you run the Memory Diagnostics Tool
Cache. Choose the cache setting you want for each test.
Pass count. Type the number of times you want to repeat the tests.
Press F10 to start the test.
If the Windows Memory Diagnostics tool does not run automatically, you can run it manually.
Open Memory Diagnostics Tool by clicking the Start button , clicking Control Panel, clicking System and Maintenance, clicking Administrative Tools, and then clicking Memory Diagnostics Tool.
If you are prompted for an administrator password or confirmation, type the password or provide confirmation.
Choose between the two options for when to run the Memory Diagnostics Tool:


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Countdown to 2012 with three nights of partying on Dec. 29, 30 and 31. Check out the concerts, art, Bouncetown, performances at Temple Square, The Ballroom (literally, a room of giant balls unlike anything you've seen) and much more. EVE takes place in venues all over Downtown, SLC.
And it all ends with fireworks at West Temple at midnight after a day of partying on Dec. 31.
Pick up tickets at Harmons and Maverik locations for $12, or spend $15 at the door. Click here for more info.


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Delaware River and Bay Authority officials joined with representatives from both New Jersey and Delaware Tuesday to announce the relocation and re-branding of the Three Forts Ferry system.
The re-named "Delaware City-Salem Ferry" will operate between Delaware City, Fort Delaware on Pea Patch Island, and Barber's Basin at the Port of Salem. The passenger ferry service will begin its public schedule on May 4 operating on Saturdays, Memorial Day weekend, and then on Saturdays and Sundays in early June. Beginning June 12, the ferry service will operate up to five days a week, Wednesday-Sunday, through Sept. 2.
For more information, call (877) 987-2757 or visit www.destateparks.com/park/fort-delaware/ferry.asp.
Location, ST | website.com


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Written by: P&N March 31 2010
Introduce green practices into your beauty regimen: Try this organic, do-it-yourself facial mask for an easy and affordable spa day at home.
1/2 organic mango, peeled and pitted(contains vitamin C)
1/4 cup organic acai berries (rich in antioxidants)
2 tbsp organic wheat germ (mild exfoliator)
1/2 organic tomato, peeled and seeded(pore minimizer)
1/4 cup organic yogurt (cleanser and moisturizer)
Puree mango, berries and tomato in a food processor. Transfer to mixing bowl, then fold in wheat germ and yogurt. Apply to clean face and leave on for 10 to 15 minutes. Rinse with warm water, pat dry, and admire your glow. Note: Do not use if you are allergic to any of these foods or have sensitive skin.
[tip] Share your healthy concoction with a girlfriend or your partner—the recipe makes more than enough for one application and only has a two-day shelf life.
Source: usda.gov


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ZF-4436: Firebug profiler table breaks when sending query times as float
Zend_Db_Profiler_Firebug. Query times are passed to firebug as float without quoting which results as 4 cols table JSON in headers. Eg.:
[0,00011,"SET CHARACTER SET utf8",null] ^ ^
result is broken (shifted) table in firebug. eg:
Time | Event | Parameters | [null] | 0 | 11 | SET CHARACTER SET utf8 | [null] |
instead of expected:
Time | Event | Parameters | 0,00011 | SET CHARACTER SET utf8 | [null] |
The problem is only evident when using locales that use commas in float values.
Proposed workaround is to cast query times to string.
See ZF-4437 for proper solution.


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Written by: P&N March 29 2012
We think expectant mamas are the bee's knees. The cat's pajamas. The … well, we can't think of any other phrases like those, but what we're trying to say is we think you're pretty swell. And we don't mean that in the swollen sense.
Although, you are that, too, which is why we've hand-picked some of our favorite tops of the season for moms with a little more in front than usual. Nothing can spruce up a tried and true pair of maternity jeans or leggings like a new kicky top that hugs you in all the right ways. Or doesn't hug you at all. Either way, you're fabulous, and we know it.


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Words by RKHTY
#Offline's weekly celebration of music bid farewell and played its final note in full style last night. Over the past nine months, the incomparable Q-Tip and 45 vinyl game changer Natasha Diggs have graced the patrons of Output with nostalgic gems after gems. And legends have guest starred at the night as well, including the likes of Grandmaster Flash, DJ Spinna, and Funk Master Flex, to name just a few.
From the booming sound system, to the varying spectrum of partygoers, you would never know it was a Wednesday night. And if you've ever been to #Offline before, you know you've always left feeling damn good. Wednesday never felt so good.


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UH Calendar
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2:00 pm
The Innov8 series highlights and promotes academic innovation at UH and beyond in eight-minute talks. We have four excellent speakers this month including Ioannis Pavlidis, Ognjen S. Miljanic, Trang Phan, and Catherine Horn.
For more information, visit: http://innovate.uh.edu/innov8/
6:30 pm
UH Baseball @ Tulane
C-USA opponent


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Blown Glass Fly Catcher
- Item No.
Key Features
Click to See Complete Item Details »
Item Details
- Depth:
9 Inches
- Diameter:
8 Inches
- Period:
19th Century
- Origin:
Essential for outdoor dining, this delicate blown glass flycatcher was used to attract insects, leaving surrounding guests free to enjoy their meal. Set upon three applied glass feet, the flycatcher was filled with a mixture of water, vinegar and a sweet addition like honey, as a lure into the trap. An etched bamboo design adds a decorative touch.
8" diameter x 9" high
8" diameter x 9" high


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A set of helper subroutines to support parts of the Netdisco application.
There are no default exports,
however the
:all tag will export all subroutines.
Given an IP address (either IPv4 or IPv6), return the canonical hostname.
undef if no PTR record exists for the IP.
Given a host name will return the first IPv4 address.
undef if no A record exists for the name.
This method uses a fully asynchronous and high-performance pure-perl stub resolver
Given a reference to an array of hashes will resolve the
IPv4 or
IPv6 address in the
ip or
alias key of each hash into its hostname which will be inserted in the
dns key of the hash.
The resolver does also forward-lookups to verify that the resolved hostnames point to the address.
Returns the supplied reference to an array of hashes with dns values for addresses which resolved.


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We're sorry but this item is temporarily out of stock.
The luxe texture and seriously polished appearance of our Pretty Amazing Lipcolor will propel you into an elevated state of gorgeousness.
Our precision applicator handles like a racecar cornering, sculpting and accentuating every curve of your luscious lips. The cellophane-like glaze formula cocoons and enraptures your lips in high-impact color, insatiable shine, and ultimately a full-body experience.
|Dipentaerythrityl Hexahydroxystearate, Octyldodecanol, Distearalkonium Hectorite, Dipentaerythrityl Tetrahydroxystearate/Isostearate, Trimethylolpropane Triisostearate, Alcohol, Tourmaline, Phospholipids, Smithsonite Extract, Dicalcium Phosphate, Pearl Powder, Pentaerythrityl Tetra Di T Butyl Hydroxyhydrocinnamate, Sodium Chondroitin Sulfate, Hyaluronic Acid, Saccharomyces Cerevisia Cell Extract, Tocopherol, Tripeptide 29, Mica, Titanium Dioxide (CI 77891), Iron Oxides ( CI 77491, CI 77492, CI 77499), Red 6 CI 15850, Red 7 Lake (CI 15850), Red 28 (CI 45410), Red 30 (CI 73360), Blue 1 Lake (CI 42090), Yellow 5 Lake (CI 19140), Yellow 6 Aluminum Lake (CI 15985)


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Every drop counts
When did you start working with Dynafleet?
"We have invested in the Perform & Locate Dynafleet package, which has been installed in 20 Volvo trucks since February. We are working with the Volvo Truck and Bus Centre Scotland to implement the full Fuelwatch programme, including upgrades and training, so Dynafleet is being used to monitor and analyse our fuel performance," says Andrew Malcolm.
Which Dynafleet Online features are you finding the most useful?
"Naturally, we use Dynafleet for mapping and routing and liaising with the drivers. In terms of Fuelwatch, we chose to look at a couple of variables at a time, based on the key techniques from the
driver training. We are currently monitoring idle times and cruise
control usage. The next phase will be engine loads, coasting and gear shifting. We are running this as a competition - each day the drivers in Linwood compare their results when they return to the depot. Some drivers were a bit suspicious of having another 'spy in the cab' but most are conscientious and want to do their jobs well, so they have been very positive."
What have the results been?
"The early results have been very encouraging. We are seeing 7-8 per cent reductions in fuel consumption, but the challenge is to sustain this. We have employed fulltime supervisors to turn the figures into reality. They will monitor the results and communicate with drivers and driver trainers. These days, we operators have to keep our costs tight and Dynafleet Online enables us to monitor the key focus areas for cutting fuel costs," he concludes.


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Quick View
Chevre d'ArgentalWhy the hexagon? Perhaps the perfect simplicity of this pasteurized goat's milk cheese from Lyon had the cheesemakers worried. No gimmicks necessary, in our opinion. A creamy to runny interior with a rind as tender and fine as any Brie. Read More
Quick View
Petit BillyOh Billy your chevre is so light and fresh perfect for a picnic date with a bottle of grassy white. A rindless straight-up version from our Loire Valley producer of Selles sur Cher. Read More


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Price: $179.00
Size Chart
Please select a size
In the Bolivian Andes, talented artisans spin alpaca fiber into a soft and durable yarn, and through their weaving, translate their traditional ancient patterns into contemporary style. The bright earth tones and patterns of this particularly soft and breathable three-season sweater are adapted from a 3,000-year-old fabric. Entirely handmade in Bolivia of pure alpaca wool.
NGS Exclusive.
Handcrafted in Bolivia. 100% alpaca. Men's sizes M (38-40), L (42-44), XL (46-48), XXL (50-52).
Hand wash or dry clean only.
Indigenous people in South America have raised alpaca for its fleece for thousands of years before Europeans learned about the animal and exported alpaca fiber to Spain in the 16th and 17th centuries. Today this domesticated animal is bred throughout the world, but its native habitat is the Andean altiplano: Ecuador, southern Peru, northern Bolivia, and northern Chile.
Descended from the wild vicuña, alpaca resemble a cross between a llama and a sheep. Its fleece is similar to sheep's wool, but is usually softer, less prickly, and has minimal lanolin content, making it virtually hypoallergenic. Its extreme warmth, relatively light weight, and natural resistance to water make alpaca wool an ideal fabric for the frigid winters of the Andean altiplano. These qualities have also led to a rise in the use of alpaca fiber in outdoor gear and active wear, although it is also easily spun into a fine enough yarn for use in suits and other dress wear.
Most alpaca products can be treated as you would an object made of sheep's woolhand wash using a mild soap and lukewarm water, or dry cleanbut check the tag or manufacturer's instructions for specific instructions.
(based on 8 reviews)
Ratings Distribution
5 Stars
4 Stars
3 Stars
2 Stars
1 Stars
of respondents would recommend this to a friend.
Best Uses
Feels too small
Feels true to size
100% (8 reviews)
(8 reviews)
Feels too big
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Reviewed by 8 customers
Displaying reviews 1-8
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Beautiful soft sweater!
By bbryant
from Rio Rancho, NM
About Me Classic, Comfort-oriented, High-end shopper
Comments about Bolivian Alpaca Sweater:
This sweater is made of beautiful soft yarn. The colors are very tasteful and appealing. I wear the sweater in cool weather when a coat is not yet needed. My life style is casual but this sweater is definitely suitable for dress. It is a very comfortable sweater that fits perfect and looks great.
Bottom Line Yes, I would recommend this to a friend
Was this review helpful? Yes / No
- You may also flag this review
(1 of 1 customers found this review helpful)
Great Sweater, Color?
By Delta Romeo
from Holland, Mi
About Me Practical
The sweater seems really nice. The color is much duller than the picture. I wouldn't have bought a sweater this color.
Bottom Line No, I would not recommend this to a friend
(1 of 2 customers found this review helpful)
Muted colors!
By Gonzo
from New York
About Me Classic, High-end shopper, Stylish
Expected the colors in the picture of the sweater to match what I ordered - unfortunately this was not the case.
From National Geographic:Thank you for your feedback. We are sorry to hear that this item did not live up to your expectations. Everything from the National Geographic Store is unconditionally guaranteed, and we want you to be happy with your purchase. Please contact our customer service representatives at email@example.com if you prefer to return this item for an exchange or refund.
(5 of 5 customers found this review helpful)
Very Nice....
By R. Dann
from Hotchkiss, CO
About Me Comfort-oriented, Practical
Sweater does not itch. Perfect for various weather conditions.
(1 of 5 customers found this review helpful)
Color is not as shown
By The color enthusiast
from Georgia
The sweater was soft as described and seemed to be well made. Beware: it is NOT at all the bright colors as shown in catalog or online. The colors are muted and dull. Not bad color but certainly not what I thought I was getting.
From National Geographic:Thank you for taking the time to share your thoughts. This sweater is hand-knit with varying shades of yarns. We regret that it did not meet your expectations.
Very soft and warm sweater.
By Maria Elena
from Ann Arbor, MI
Colors are subdued which makes for a sweater that can be worn for casual wear as well as for more formal occasions.
Picture does not disappoint
By Rory Reddeer
from New Brunswick, Canada
About Me Classic, Practical
Makes excellent Sunday-going-to-church wear in cool weather.The softness of the wool is a plus when in contact with skin.
(3 of 3 customers found this review helpful)
wonderfully bright colors with soft yarn
By lil iodine
from las vegas, nv
About Me Classic, Comfort-oriented, Practical, Stylish
bought as a gift, looks and feels wonderful on my husband. best of all he loves this sweater


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Idaho Rules of Family Law Procedure Rule 207. Form of Pleading.
Every pleading shall satisfy any statutory requirements and contain a caption setting forth the name of the court, the names of the parties, the title of the action, the file number, and the type of pleading. A party's designation as petitioner or respondent shall continue in all future proceedings, including proceedings to modify or enforce a judgment or decree and proceedings for contempt. When the name of the respondent is unknown to the petitioner, the respondent may be designated in the pleadings or proceeding by any name. When the respondent's true name is discovered, the pleading or proceeding may be amended accordingly.
A. Caption – name of parties. Every pleading, motion, notice, or judgment or order of the court shall be typed with black ribbon or produced by a computer or word processor type printer of letter quality on white paper and contain a caption setting forth the names of the parties, the title of the district court, together with the assigned number of the action, the designation of the document or pleading and the names, addresses and phone numbers of the attorneys appearing of record for the party filing the document or pleading and the typewritten name of the person signing the pleading. All pleadings, motions, notices, judgments, or other documents filed with the court shall be typed on 8 1/2 X 11 inch paper. The body of all such documents may be typed with double line spacing or one-and-one-half (1 1/2) line spacing with pica standard typing of not more than 10 letters to the inch. Every pleading shall have the name or designation thereof typed at the bottom of each page, and all attached exhibits must be legible and subject to reproduction by copying processes or be accompanied by a typewritten duplicate, and all handwritten exhibits shall be accompanied by a typewritten duplicate. In the petition the title of the action shall include the names of all of the parties, but in subsequent pleadings it is sufficient to state the name of the first party on each side with an appropriate indication of the other parties. The title of the court shall commence four (4) inches from the top of the first page. The name, address and telephone number of the attorney, or person appearing in propria persona, shall be typewritten or printed above the title of the court in the space to the left of the center of the page and beginning at least two (2) inches below the top edge thereof. The currently valid Idaho State Bar Number of the attorney shall be typewritten or printed immediately below the attorney's telephone number. Pleadings or motions requiring filing fees shall also contain designations of the category of the action, the nature of the document and filing fee category and filing fee prescribed by Appendix "A" to the Idaho Rules of Civil Procedure. Prisoners incarcerated or detained in a state prison or county jail may file documents under this rule that are legibly hand-printed in black ink, in whole or in part, that otherwise conform to the requirement of this rule. This rule does not apply to printed forms approved by the Supreme Court or the Administrative District Judge or distributed through the Court Assistance Office in the county where the lawsuit is pending. Such forms may be completed by legibly hand-printing in black ink or by typing.
B. Lost Papers. If an original pleading or paper be lost, the court may authorize a copy thereof to be filed and used instead of the original.
C. Language, abbreviation and numbers. Pleadings shall be in the English language. Such abbreviations as are in common use may be used, and numbers may be expressed by words or numerals in the customary manner.
D. Unknown party. When a party does not know the true name of the adverse party, that fact may be stated in the pleadings and the adverse party designated by any name and the words, "whose true name is unknown," and when the true name is discovered the pleading must be amended accordingly.
E. Paragraphs – separate statements. All statements of claim or defense shall be made in numbered paragraphs, the contents of each of which shall be limited as far as practicable to a statement of a single set of circumstances; and a paragraph may be referred to by number in all succeeding pleadings. Each claim founded upon a separate transaction or occurrence and each defense other than denials shall be stated in a separate count or defense whenever a separation facilitates the clear presentation of the matters set forth.
F. Adoption by reference; exhibits. Statements in pleading may be adopted by reference in a different part of the same pleading or in another pleading or in any motion. A copy of any written instrument which is an exhibit to a pleading is a part thereof for all purposes. All exhibits to pleadings must be legible, distinct and subject to clear copying by reproduction processes; and all exhibits not meeting this requirement, as well as all hand written exhibits, must be accompanied by a typewritten duplicate thereof at the time of filing.
(Adopted April 2, 2014, effective for early adopters July 1, 2014, effective statewide July 1, 2015.)


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West Baton Rouge Parish has a total land area of 122,000 acres with a population of only 22,000 residents but has exceptional assets: a rich agricultural heritage and abundant natural resources within close proximity to a major metropolitan region. Plan West, the West Baton Rouge Parish Comprehensive Master Plan was created to preserve the unique qualities of the Parish while providing a framework to guide future growth for the next twenty years.
Continue reading Plan West: West Baton Rouge Parish Comprehensive Plan | Tipton Associates


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More New and Used
from Private Sellers
Note: Supplemental materials are not guaranteed with Rental or Used book purchases.
Student Workbook for Physics for Scientists and Engineers A Strategic Approach, Vol. 4 (Chs 25-36)
ISBN13:by Knight, Randall D., (Professor Emeritus)
Questions About This Book?
Why should I rent this book?
Renting is easy, fast, and cheap! Renting from eCampus.com can save you hundreds of dollars compared to the cost of new or used books each semester. At the end of the semester, simply ship the book back to us with a free UPS shipping label! No need to worry about selling it back.
How do rental returns work?
Returning books is as easy as possible. As your rental due date approaches, we will email you several courtesy reminders. When you are ready to return, you can print a free UPS shipping label from our website at any time. Then, just return the book to your UPS driver or any staffed UPS location. You can even use the same box we shipped it in!
What version or edition is this?
This is the 3rd edition with a publication date of 1/4/2012.
What is included with this book?
- The New copy of this book will include any supplemental materials advertised. Please check the title of the book to determine if it should include any CDs, lab manuals, study guides, etc.
- The Used copy of this book is not guaranteed to include any supplemental materials. Typically, only the book itself is included.
- The Rental copy of this book is not guaranteed to include any supplemental materials. You may receive a brand new copy, but typically, only the book itself.
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These popular and proven workbooks help students build confidence before attempting end-of-chapter problems. They provide short exercises that focus on developing a particular skill, mostly requiring students to draw or interpret sketches and graphs. New to the Third Edition are exercises that provide guided practice for the textbook's Problem-Solving Strategies, focusing in particular on working symbolically.


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My business began as a hobby and has taken off. I started out doing portrait photography and was getting frustrated at not being able to display my work comprehensively. Along came Blurb and transformed all that! I have created over 100 books for customers since I began. I started out with my own photography but demand has resulted in my compiling customers' own travel photographs from all over the world, their old family photographs, birthday parties, wedding receptions, special events, creating luxurious coffee table books that will be treasured for life. In addition to photo books, I have created for clients recipe books, poetry books, books to promote business for artists and jewellers, portfolios for building contractors .... new and ever increasing areas!
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The most buzzed about movie of the year, The Hunger Games, hits theaters March 23. The first of four films based on Suzanne Collins' bestselling trilogy, it stars last year's Winter's Bone Oscar nominee Jennifer Lawrence as heroine Katniss Everdeen and boasts a cast of such accomplished actors as Woody Harrelson, Stanley Tucci, Donald Sutherland and Elizabeth Banks.
Producer Nina Jacobson, who snared the rights to the tale early on, has a dramatic story of her own to tell. As an executive at Disney from 1998 to 2006, Jacobson developed and oversaw a string of hits, including The Sixth Sense, Pearl Harbor, The Princess Diaries and the Pirates of the Caribbean franchise, before being abruptly fired from that job while her partner was in labor (details below). The straight-talking producer quickly rebounded, however, forming her own production company and finding success with its first release, a film based on the juvenile favorite, Diary of a Wimpy Kid.
Here, Jacobson talks about her passionate pursuit of The Hunger Games, how she envisioned the movie, and the decisions that led to its stellar casting.
MORE: I was thinking of you the other day when I saw a screening of Jeff Who Lives At Home (opening March 16). It's a comedy about a guy who's obsessed with Signs. The whole movie's sort of an homage to Signs, which you produced. Have you seen it?
Nina Jacobson: No, I didn't know about it. Is it funny?
More: Very funny. Jason Segel is the slacker and Susan Sarandon is his mother. Ed Helms is in it too. But let's talk about your new movie, The Hunger Games. We're all dying to see it here. At what point did you buy the film rights to the series?
N.J.: It was not yet a big phenomenon. It was doing well, the first one sold I think 100,000 copies. There were other producers competing so there was a bit of a derby and I was driven insane by the thought of anyone else getting a chance to produce it. I had the fan fervor, the obsession. Fortunately I was able to convince Suzanne Collins of that. I felt the book deserved to be adapted with the utmost respect and care given the kind of ethical integrity of the book. Suzanne walked that dangerous edge of writing a book which is about young people and media and violence but the book itself is never guilty of the sins of the Capitol. It's thoughtful and rooted in Katniss' point of view. Susanne never exploits the subject matter in a way that seems unethical.I felt it was important that that tone was retained.
More: How many of the books had you read when you bought it?
N.J.: I had read the first book and galleys of the second. Then we went to buyers. Some places passed, but when they had some interest, we met with those places and looked eye to eye to make sure we all saw the same movie, that they were committed to a PG-13 version as we were, but they weren't going to soften it.
More: Are your kids old enough to read the books?
N.J.: Two are. I have an 11-year-old girl and a 13-year-old boy. I just let the 11-year-old read it. My younger son is 5; obviously I'm not going to let the 5-year-old read it.
More: Do boys read this book? Is it gender neutral like Harry Potter?
N.J.: Yes. Regardless of gender, they were fixated. Boys love this book. My mom read it and she loved it too. It's rare to find anyone who didn't like it.
More: What made you think it would be a good movie?
N.J.: It feels like a movie, so visual, so emotional, it manages to be both intimate and epic. It's personal and yet the world lays itself out in a way that your imagination paints a picture for you. It's our world but wrong.
More: I always describe it as Miss America meets Survivor.
N.J.: Suzanne was watching both American Idol and the Iraq war when she came up with the idea.


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This holiday season local food pantries gave out record numbers of food boxes to area families. As the economy sputters on and temperatures plummet the need for emergency food and shelter continues to climb. But some help is on the way.
A busy holiday season is behind Rockford's Hunger Connection, but demand for food services isn't dropping off.
"Demand has been very high. It appears with our first orders coming in for January, demand is still up," explains Gene Maule of Hunger Connection.
Some help is on the way for local agencies. A $225,000 Federal Emergency Management Agency grant will benefit organizations that provide emergency food and shelter.
"This will help 7,000 people in our community who might have lost their homes or have gone hungry a week longer," says Michelle Gorman of United Way.
Despite the rise in the number of stateline families seeking shelter and help from food pantries, this year's grant is actually a little less than last years.
"What we think it means is not that our community isn't in need but there are communities who are doing worse than our community," Gorman adds.
Competition for the grant money is stiff and the requirements are stringent. In fact the Hunger Connection in Rockford has applied for the grant money several times in the past year and been denied because it isn't a direct service provider.
"We can turn that around and get a much greater buying power because we buy in a food bank cluster. There are 11 food banks in our cluster and when we buy food we buy 40,000 lbs at a time," Maule says.
No matter what Winnebago County residents will be helped by the grant money and the Hunger Connection will keep trying to find a way to make the money go even farther.
Applications for the grant money must be submitted by Jan. 23 to the United Way in Rockford. The average grants are anywhere from $3,000 to $5,000.
wifr.com Extended Web Coverage
Facts About the United Way
To find your local United Way, visit out source: Source: http://national.unitedway.org (The United Way Web site)


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Nanticoke Cancer Care Services hosted "Turning Sussex Pink" Oct. 1 at the annual Pink Ribbon Breast Cancer Awareness Walk.
Participants gathered at the Nanticoke Cancer Care Center where they were given a candle to carry honoring survivors and remembering those who lost their battle with breast cancer; pink torches lit the way for walkers.
The walk ended with a ceremony at Seaford's Gateway Park, which was decorated in pink lights and ribbons. The featured speaker was Tracy Passwaters, a breast cancer survivor and sonographer at Nanticoke Services.
Location, ST | website.com


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Industry or living space? Future of area south of bridge in flux
Published: Sunday, June 16, 2013 at 12:30 p.m.
Last Modified: Saturday, June 15, 2013 at 5:26 p.m.
When motorists drive over the Cape Fear Memorial Bridge into Wilmington, they have a sweeping view of the downtown riverfront, with boats, buildings and a backdrop of church steeples.
What: Wilmington City Council meeting
When: 6:30 p.m. Tuesday
Where: City Hall, 102 N. Third St.
But their eyes may not be drawn to the southeastern side of the bridge – the vacant, 7-acre site of a former molasses plant that one planning commission member dubbed an eyesore.
On Tuesday, the city council will consider a request to return the land – once envisioned for the mixed-use Gateway Project – to industrial and light-industrial zoning.
The proposed rezoning, which has already been questioned by neighbors, could also raise concerns about whether it could threaten a resurgence of residential housing just south of the bridge.
In April, the city's planning commission failed to give the project a favorable recommendation – in part because some members were concerned about authorizing the zoning without knowing what exactly would go on the site.
Council has the authority to formally approve or deny the request.
Back to industrial?
For decades, the land at 610, 712 and 732 Surry St. was zoned industrial.
In 2008, the land was rezoned as riverfront mixed-use to accommodate the Gateway Project. Developers envisioned an 11-story complex along with 260 condominiums, a restaurant, 40 boat slips and retail space.
Eventually, the project fell victim to the area's real estate slump, and the land sat vacant. It was foreclosed on in 2010.
Michael McCarley is the registered agent for Riverman LLC, which bought the land in June 2012. McCarley is also the president of Carolina Marine Terminal, a shipping facility at 3330 River Road.
After he bought the land, McCarley then asked the city to rezone nearly 1 acre at 610 Surry St. as light industrial. The zoning would allow uses such as offices, distribution or warehousing. McCarley also wants the city to rezone more than 6 acres at 712 and 732 Surry St. as industrial.
What's next?
While the owners say a rezoning could allow them to redevelop the property, they don't know – or aren't saying – what would be built there.
When the project appeared before the planning commission in April, Andrew Tomlin, a project manager for Riverman LLC, said the landowners have no specific plans for the site. But they have had the river dredged to deepen the channel and make it more suitable for shipping.
"We would like to see it go in that direction," Tomlin said, though he added, "There are no guarantees …"
McCarley did not return several messages left at his office last week.
Several neighboring property owners have said they have concerns about the proposed industrial rezoning, ranging from what would go on the site to how it would affect nearby homes.
Echoing those concerns, some planning commission members seemed reticent about allowing a rezoning without knowing what it would bring.
"They're asking too much with too little information," said Dan Dawson, who voted against recommending the rezoning.
Yet Bruce McGuire, another commission member, countered that the land is an eyesore and the city should trust free enterprise.
City council members discussed the proposal at a May 6 agenda briefing. (Although the rezoning appeared on the agenda, it was continued at the applicant's request.)
Councilwoman Laura Padgettexpressed concerns about the consequences of a straight rezoning with no conditions.
"We could wind up ending up with something extremely detrimental to the Historic District that actually abuts this site," she said.
The land is so close to the Memorial Bridge, you almost need earplugs, said Councilman Charlie Rivenbark. Of the bridge, he said, "If that's not a physical barrier, it's a mental barrier between one intense use and the Historic District."
Mayor Bill Saffo agreed that bridges can act as a line of demarcation.
"We have a working riverfront," Saffo said last week. "And the working riverfront seems to be south of the Memorial Bridge along the river and north of the Holmes bridge along the river."
The mayor said he always doubted whether the Surry Street land would be suitable for residential, adding that he feels it is more conducive to light industrial.
Changes south of the bridge
In the past several years, there has been a resurgence in the South Front Street area just south of the Memorial Bridge.
In December 2009, Satellite Bar & Lounge opened its doors on Greenfield Street, occupying a building that once served as a grocery for the shuttered Nesbitt Courts public housing project. In 2010, The Harp, an Irish pub, opened in a building that had sat vacant for five years.
And in 2012, vacant Nesbitt Courts was replaced by South Front Apartments with 216 modern units, which are currently 97 percent full, said Bailey Schiffel, the community's director.
"We have a lot of residents who move here because it is close to downtown," she said, adding that residents also flock to The Harp and Satellite, which are within easy walking distance. "I can only speak to our experience, but we've been very successful here."
The South Third/Greenfield Street location for The Harp made sense to owner Margaret Jennings because of the convenience to downtown. Plus, with a limited amount of land available in Wilmington, she figured that people would eventually see the importance of focusing on this space.
"I believe in the area," Jennings said. "That's why we came here."
Less than three months ago, the entire block of South Front Street between Dawson and Wright streets was put up for sale. It's 2.6 acres in total, most of it vacant.
RJ Alex, a broker with Century 21 Sweyer & Associates, initially listed the property as commercial. Last week, he said it could be rezoned residential, and that he was considering listing it with other residential properties.
"I think there definitely would be a need for more downtown housing," Alex said.
But would allowing industrial zoning for the Surry Street land spell an end for more residential housing and redevelopment south of the bridge?
Not according to Saffo.
"I don't think it hurts any of the redevelopment efforts that would be east of Front Street, going up to Third and Fifth," the mayor said. "I think more people would like to live there because it's close to downtown and it's convenient."
Ultimately, Saffo said the concern from council about the rezoning seems to be what specific uses would be allowed in the area.
Industrial zoning could allow anything from chemical products to boat building to a crematory.
Saffo said McCarley told him he doesn't have any immediate plans.
Julian March: 343-2099
On Twitter: @julian_march
Reader comments posted to this article may be published in our print edition. All rights reserved. This copyrighted material may not be re-published without permission. Links are encouraged.


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The husband and I are on the beach this week, our first getaway in about three years. It's also our 25th wedding anniversary, which is always something to be proud of. We love Sanibel Island in Florida, and we have a favorite place to stay. The inn is not the fanciest or trendiest place around, and that's exactly why we like it. It is old Florida at its best. The rooms are reasonable, and they are right on the beach. I mean, right on the beach. It's quiet, and wildlife, sealife, beautiful, tropical foliage are everywhere. We've seen birds, turtles, even dolphins. Awesome. Anyway.
As I'm sitting on the beach — in fact, I'm writing from the beach even as we speak (blog) — I love to watch the people. And, of course, I like to find humor in what I'm seeing, keeping in mind all the while that I am more than qualified to be the subject of some other blogger's list of beach fashion faux pas.
I like to classify the people I see on the beach. As I watch, I can definitely see trends, themes, and patterns, all confirming some of the universalities found in humankind. For your review (and, hopefully, a few laughs) I offer here my Beach People categories:
1. The ER Tonight People. These are the tourists from Wisconsin or wherever (not picking on Wisconsin, I'm from Indiana and we take more razzing than anybody, except maybe for people from Cleveland). These beachgoers have transported the fam to Florida on vacation in all their screamin' white-skinned, pale, and chalky glory. Parts of these people's bodies have not seen the sun since gas was $1.79 a gallon. They have arrived, and they're on a mission, with one week to go from ashy to flashy. They cannot return to their hometown as pale as they left — burn be damned. I watch them, like little white lambs to the ultraviolet slaughter, as they splash and play in the surf and sand, oblivious to the early symptoms of sun poisoning. Knowing, just knowing, that somebody's going to the ER tonight.
2. The Leather Coat Ladies. On the other end of the sun-exposure spectrum are these ladies. They are pros. If there was an Olympic event for tanning, they would be on the team. Now, I get the idea of a nice healthy "glow," a little "color," but these ladies have gone way beyond that. Their skin has become the color I'd like to have a leather coat in, complete with all the wear lines that give a bomber jacket its well-worn appeal. Good for outerwear, but not so good on a woman, I'm thinkin'. I'm actually wondering why they are still laying out in the sun anyway. I'm sure there must be a tan saturation point where they're not adding any more color. And, how do they find the time to work on that kind of tan anyway? Is their day job on a chain gang?
3. The Speed-Oh Man. O.K., an "older" guy just walked by wearing a Speedo, which brings me to my next category. First of all, why is it that almost always older guys wear a Speedo? No disrespect to older guys, but come on now. I knew full-well when my bikini days were over. When the flesh that's hanging out of your suit covers any portion of the suit itself, it's time to move on. And, apparently, when a man buys a Speedo they automatically throw in a gold chain. Holy accessory, Batman, just say "Speed-NO"!
4. The Neander-Beach Man. Often associated with the Speedo, is this guy with major hair on his back. Look, it happens to a lot of guys, and there's no shame in it. But, for the love of Nair, if you're going to go shirtless, please consider those of us who have to look at your back. Actually, I think that as women, we have some responsibility here. First of all, we need to tell our man about the hair on his back when we see it. Maybe he doesn't know it's there – who looks at their own back? With that in mind, let's acknowledge that we (women) are the experts when it comes to the removal of unwanted hair. That knowledge is not ours to keep. We must share it with our men. Come on, ladies, let's help a hirsute brother out.


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Seven tips to avoid phone scams
Police department rep offers advice in response to recent victimization
Franklin - The age-old saying that if it sounds too good to be true, it probably is, holds for phone calls as well.
Residents have recently been targeted by phone scammers using refillable debit cards connected to victims' bank accounts to empty their accounts.
The callers told the victims that they won a sweepstakes or paid vacation. All they needed to do to redeem their prize, the scam went, was purchase and activate a reloadable debit card. The caller would then ask for the number on the back of the card. The scammers would then use that number to empty the victim's bank account.
Some scammers have been falsely calling the debit cards "phone cards" to reduce victims' suspicion. Others have sent fake or stolen checks with the promise of more money to come if the victim gave them their debit card information.
Kim Bogadi of Oak Creek Police Department's community outreach division shared the following tips to avoid becoming a victim:
Do not give out any information to someone who calls you.
Do not call any numbers given to you by someone calling you.
If someone says they are from your bank or a business, hang up, look up the business number on the Internet or phone book, and call that number to verify.
Only trust businesses that you've had a prior relationship with. Never give a business information that could be used against you.
Don't feel pressured by anyone calling you.
Be wary of telemarketers asking for bank information, as it is illegal for them to ask.
Inform any elderly or young family members not to give sensitive information over the phone.
Bogadi added that phone scams can take on a number of faces.
"The biggest thing is that they shouldn't be falling for anything that sounds too good to be true," she said. "The best way to handle it is if it sounds suspicious, notify the police department."
Another scam at this time of year involves scammers posing as members of the IRS or FBI, requesting bank information or social security card information under threats of audit and then using the information to steal the victim's identity.
Bogadi added that anyone who feels they've been the victim of a phone scam should identify the police immediately. They can also call the Wisconsin Consumer Protection Agency hotline at (800) 422-7128.
For more information on protection against identity theft, visit datcp.wi.gov.
More from News and Features
- Franklin, Greendale, Hales Corners, Oak Creek fire up for the Fourth
- Franklin Police arrest two suspects for poaching in Whitnall Park
- News & Notes: June 23, 2016 issue
- Things to Do: June 23, 2016 issue
- Paul Ryan schedules stops in Franklin, Greendale, Hales Corners, Oak Creek
- Franklin police report: June 23, 2016 issue
- Wehr Nature Center invites community to count butterflies for NABA
- Wehr Nature Center to host "Summer Solstice Social"
- Missing endangered person rescued from sewer access box
- Exotic animals coming to Franklin Library for Zoozort program


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Posts tagged caused
Lithium-ion batteries caused a fire aboard the Boeing 777-200 | Malaysia Airlines?!1
This video should give you an idea about the answer… Read more: http://www.ctvnews.ca/sci-tech/could-lithium-ion-batteries-have-caused-a-fire-aboard-mh370-…
Video Rating: 0 / 5
120%+ SUPER BATTERY LIFE! Learn about Laptop Battery Life at LaptopBatteryLife.com
the internal pressure caused a sharp increase in battery explosion0
by Rob Ellis'
the internal pressure caused a sharp increase in battery explosion
how to safely use the cell phone lithium battery
Internal lithium-ion cell phone lithium battery charge and discharge process in the negative ? positive ? positive state of motion, due to strong activity of lithium itself, so the charge and discharge process may have accumulated in the positive and negative, in the event of accumulation, it will have lithium dendrites (one of the main types of
BOSCH Power Tool Battery Dewalt Power Tool Battery
crystal growth), pierce dendrites may insulation, resulting in micro short circuit, short circuit caused a lot of heat generated inside the battery electrolyte, insulation materials, local gasification, resulting in increased pressure within the battery , and when the pressure increases to a certain degree of strength of the shell will explode when you can not afford.
This shows that the charging of lithium-ion battery will explode, especially lithium-ion battery for more than 5 magnification easily explode. In the small current charge, the reaction rate slower than the combination, accumulation of lithium atoms will not form, so relatively safe. In the formation of lithium atoms over flow faster, thus giving the accumulation of lithium atoms, resulting in short-circuit the battery internal resistance,release a lot of heat, so that a large number of electrolyte decomposition gases, the internal pressure caused a sharp increase in battery explosion.
In addition, the cell phone lithium battery overheating (150 ? or more) will explode.
Because of lithium cobalt oxide and graphite in the sub-atomic state is the existence of conditions in the heating greatly increased its activity in more than 150 ? above greatly reduced the role of lithium, the lithium electrons and lithium nuclei very close, close to or reach lithium atomic state, the lithium atoms can react with the electrolyte, causing the battery to explode.
1. As far as possible use the original charger. Battery both work, materials, safety and other areas in full accordance with international electrical safety standards of manufacturing, the basic battery safety can be guaranteed, while the fake is not only less battery over-current protection device, overcharge protection circuit and temperature sensor, easy to cause an explosion . Although compatible charger can also be used, but some failed because of electrical properties, will damage the battery.
2. Do not place the battery in high temperature under high temperature will cause the battery to increase the heat, then easily explode. Therefore, charge the battery or place the phone with the battery, be sure to choose a place away from heat, but also to avoid direct sunlight during the summer.
UNBEATABLE 66% OFF DISCOUNT! Buy Laptop Batteries on LaptopBatteryLife.com


text:
Since the beginning of the 19th century, when the electric drill was invented, electric tools have opened an increasing range of possibilities for designing work and living spaces. We believe that this development will continue and even accelerate into the next century. In the future, electric tools will be presented to the end-user as efficient "problem solvers" for sophisticated jobs.
At Metabo, we will continue to explore the potential for technological and application-oriented further development of electric tools.
A dynamic and accelerating process of change shapes our modern society. Trends such as miniaturization, platform strategies and data driven information management are revolutionizing the workplace. We aim to set an example through shorter innovation cycles, a client-oriented outlook and innovative products.
For example, our Paint Stripper (Remover) Lf 714, which was developed and put on the market in 1997. It was a brand new - previously unknown - product that enabled the user to quickly remove paint from flat surfaces in only ca. 30% of the time needed using conventional electric tools (ca. 70% savings in time). To be continued.
Our concept is not confined to offering individual products - as high quality and as innovative as they are. Metabo offers a "full line" that covers the entire spectrum of hand-held, semi-stationary and stationary electric tools, and is therefore able to position itself in the market as a systems supplier. We are able to offer products to our clients in the proverbial "Metabo quality" from our coordinated family of products covering all applications.
In view of the transformation of our industrial economy into a modern service and information economy, it has become increasingly important to offer services connected with core products. This has become a crucial factor in determining the existence and ultimately the survival of companies. We are rising to this challenge by following a client-oriented and service-oriented path that encompasses the production and the R & D departments in addition to field service.
In the past few years, the strict orientation of our company policy to fulfilling the demands and needs of the market has meant that Metabo - despite a stagnating market in both quantity and sales terms - has been able to achieve a significant rate of growth. Our declared goal for the coming years is to continue this development.
This is not an academic exercise. People are responsible for the ideas that are developed further and then put into practice. Every one of our approximately 2,600 employees plays an important role in the development of our future. Success in the marketplace begins by realizing that the company's greatest assets are the employees.
... In the future, electric tools will continue to play an important role in the formation of humankind's environment and surroundings.
Through innovation and optimization, electric tools will become more application-friendly, more ergonomic and safer.
Metabo offers the complete range of products from hand-held to stationary electric tools.
... Naturally, Metabo also offers the service that goes along with our tools and machines.
... By offering above-average products and services, we at Metabo are looking forward to an above-average market development.
... The development and the realization of our visions are based on the commitment of everyone at Metabo.


text:
Mini Stock Rule Addendum
1) Cars that were manufactured with Automatic transmissions may change over to a Manual Shift set up.
2) You MUST use ALL of the components from the Manual Shift car.(ex. Cable, mounts, gear shift, pedals etc.)
3) Mounting tabs may be manufactured but MUST be located in STOCK, OEM location.
4) Front mount bar is the only optional part.
5) Any Hi-breed (ALL PARTS NOT USED) will be considered ILLEGAL.
Any front wheel drive 4 cylinder import or domestic car. No convertibles.
NO ACR or Competitive Engine controller module's allowed.
No VTEC engines Engines with variable cam or valve timing. (may make weight penalties)
Nissans must disconnect the variable timing wire.
No Mazda Rotary engines.
No turbo charge or super charged engines. Stock means stock, period.
Compression ratio stock for engine used. .2 allowed for carbon.
Engine must remain stock, if rebuilt must use stock replacement… parts.
No racing bearings, rings pistons ,or , Ect.. No excessive shaving of heads allowed. O deck pistons, Cool air intakes OK
Must have exhaust past driver compartment and must have a muffler. Must remove all flammable materials.
No gutting except for door bars. Doors welded shut. 4 point cage,1 ¾ tubing with .095 wall thickness , with door bars extending all the way to the drivers door. Drivers door bars must be plated with 1/16 " (11 gauge ) plate steel, Mandatory.
May install front support bars for safety, must turn down 6 inches past motor mount area.( mandatory to run figure 8 ) May install rear bars down to rear struts and to rear sub frame for safety( Mandatory to run figure 8 ) Aluminum racing seat and 5 point racing seat belts mandatory, must be dated and less than 2 years old from start of 2013 season. (March 2011). Lexan windshield required, no glass in car at all. Window net on driver door mandatory. Removable Steering Wheel Recommended.
Mirrors allowed, no radios.
On off battery switch properly labeled ,mandatory, must be mounted behind driver with easy access from Quarter window. Battery can be relocated behind driver , must be in secured covered battery box.
Fully functional and charged fire extinguisher mandatory.
Fire suit, helmet, racing gloves, shoes, and head & neck restraint mandatory.
Drive train and suspension OEM only, stock means stock. No cut or shaved springs.no heated springs.
Tires- with a tread wear rating of 200 only. All 4 tires must be same size, 60 series minimum any car can run. No cutting or shaving or soaking of tires allowed. Wheels will be stock steel wheels, right front can be reinforced. Stock offset only. No aluminum wheels allowed. Ride height must remain at 6" Frame and body. Camber adjustment by shims or lower strut slots only, no drilling or moving of strut tower allowed 3 degrees negative fronts max, 1 degree negative rear max, both rears must be the same.
Total minimum weight:
Single Overhead cam total weight is 2100 lbs, Dual Overhead Cam total weight is 2200 lbs, and Nissans are 2300 lbs. Single overhead cams will be allowed 56% left side ,Dual Overhead cams will be allowed 54 % Max left side, and Nissans will be allowed 52% left side.
No tolerance on weights.
Mufflers. Track reserves the right to add weight to individual cars to preserve competition. The original vin number must be visible , and attached to car in original location and mounting style , and must have repair manual with complete engine specs for your car at all times.( make sure it is for the engine code on your vin plate and that you have the motor to match.)
Engine size being run must match VIN code for car being used. No lite weight or custom parts in transmission. Must run stock steel flywheel and clutch, no racing components allowed. No aluminum flywheels allowed. No grinding or excessive surfacing on flywheel. Positraction and welded differentials allowed with 50 lb. penalty, location right rear trunk floor.
Computer claiming rule $150.00, must finish on the lead lap and bring cash to tech within 15 min of the end of the race. The money is paid to the track and the computer is taken by the track to be tested. If the computer is tested and found illegal the protestor will get his $150 back and the track keeps the computer. If the computer is tested and found to be legal the person who was protested will receive the $150 (minus the cost of having it tested) and will get his computer back.
Competitor will surrender his computer for $150.00 or be disqualified for the night, lose points for that event and start in the rear for the next 2 races. The 2nd time the competitor refuses to surrender his computer he will be disqualified for the night, lose points for that event, suspended for 2 weeks and start in the rear for the next 3 race events upon return. The 3rd time the competitor refuses to surrender his computer he will be disqualified for the night, lose points for that event, and suspended for 3 months.
Front and rear stock bumpers preferred, may run tube bumpers, 1 ¾ tubing .095 wall, must have round corners and no uncapped ends, welds will be smooth.
Make a loop for towing on both front and rear. To keep cars looking good you may make door skins and quarter skins.
Must retain all structure. Original fenders, hoods, trunks, and roofs mandatory. Remove sunroofs and sheet metal hole.
Good luck and remember it is your responsibility to prove your parts are OEM for your car.
All Tech decisions are final. We reserve the right to change these rules as we deem necessary. If it doesn't say to do it in the rules, don't without checking with tech.
Any deviation of rules, or cars from other tracks, may be disqualified or be allowed to race with a weight penalty of 50 to 300 lbs to be located at techs discretion in the interest of fair competition.
Any car may be assessed a weight penalty at any time or left side weight adjusted in the interest of fair competition.
Mini Stock's Effective Immediately with lock Transmission right siderear must have 50lbs more lead then left side. Example left rear 75lbs piece of lead then 125lbs on right side. No ACR COMPUTER 05293004
The rules and/or regulations set forth herein are designed to provide for the orderly conduct of racing events and to establish minimum acceptable requirements for such events. These rules shall govern the condition of all events, and by participating in these events, all participants are deemed to have complied with these rules. NO EXPRESS OR IMPLIED WARRANTY OF SAFETY SHALL RESULT FROM THE PUBLICATION OF OR COMPLIANCE WITH THESE RULES AND/OR REGULATIONS. They are intended entirely as a guide for the conduct of the sport and in no way guarantee against injury or death to any participant, spectator or official. The race director or Head Tech Inspector shall be empowered to permit reasonable and appropriate deviation from any of the specifications herein or impose any further restrictions that in their opinion do not alter the minimum acceptable requirements. NO EXPRESSED OR IMPLIED WARRANTY OF SAFETY SHALL RESULT FROM SUCH ALTERATIONS OR DEVIATIONS. Any interpretation or deviation of these rules is left to the discretion of the officials and is final and binding. On occasion when situations arise that are not covered by written rules herein, special rulings may be put into effect by the track officials. Once such rulings are acted upon, they may become an act of policy and will be added to the existing rules of procedures.
The Management of Showtime Speedway


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How can I convince my mom to let me switch schools?
You see i hate my current school, and i just want to switch!!! I've tried telling her why i hate my school, but she still wants me to go there cause its on her way to work, so its easier for her.... HELP!!!In Topics: Choosing a school
> 60 days ago
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text:
My nephew bought his first house not long ago,
but only after the deal was almost scuttled by a faulty appraisal.
The appraiser from the Veterans Administration didn't
notice that an addition had been built onto the house in Oak Harbor,
Ohio. He appraised the home's value based on the original square
footage listed in the county records. The appraisal report concluded
that the house was worth less than the price that the seller and
my nephew, J.R. Majewski, had informally agreed upon.
J.R.'s experience shows that an appraisal for less
than the price of the house doesn't have to derail a sale, although
it can.
In J.R.'s highly unusual case, the faulty appraisal
aided him. The owners were selling without a real estate agent and
were desperate to close the sale fast because they were having another
house built and needed the cash. J.R. was willing to pay $110,000,
but his banker told him not to sign a purchase agreement until the
appraisal came back.
When the appraised value came in at $97,300, the
sellers almost balked. Their harshly worded phone call to the appraiser
made things worse -- the appraiser refused to come back out. Instead
of putting up with a three- to four-week delay for another appraisal,
or searching for another willing buyer, they sold the house in Oak
Harbor, Ohio, to J.R. and his wife, Nikki, for $99,300 -- in effect,
a $10,700 discount. J.R. and Nikki borrowed $97,300 through a VA
loan and paid the $2,000 extra via gift money from family.
"The VA appraiser, as much of a jerk as
he was, actually helped me," J.R. says.
Appraisers' role
When you borrow money to buy a house, the lender requires an appraisal
-- a neutral expert's estimation of the home's fair market value.
The appraiser considers many factors, including the prices of comparable
homes that have been sold recently as well as the condition, size
and amenities of the property being appraised.
The lender requires an appraisal because it would
be bad business to unwittingly lend more than the house is worth.
In the vast majority of cases, everything is fine: The house is
appraised at or above the sale price and the loan goes through.
Occasionally, the appraisal is for less than the
home's selling price. What happens next depends upon how much of
a down payment the buyer plans to make.
If the buyer is going to make a sizable down payment,
the lender might not care about the low appraisal. For example,
if the sale price is $200,000, the appraisal comes in at $20,000
less than that, and the buyer is making a $100,000 down payment,
the bank will let it slide. "The risk is still low enough for
the bank to close on the transaction," says James Mason, sales
director for online lender MortgageIT.
Time's a factor
Why not dot the i's and cross the t's by getting another appraisal?
"Because everything takes time," including appraisals,
says Ellen Bitton, president of New York-based Park Avenue Mortgage.
As a typical real-estate sales contract states, time is of the essence.
The process works differently when the down payment
is small or nonexistent. If someone has $3,000 for a down payment
on a $100,000 house, and the appraised value comes in at $95,000,
that loan will not be approved. The bank won't lend $97,000 for
a house that an appraiser says is worth less than that, especially
if the buyer can scarcely scrape up a down payment.
"In the case where the appraiser has missed
something, the bank usually goes back to the appraisal company to
have them reevaluate," Mason says. Perhaps it's an obvious
error such as not noticing that an addition was built onto the house.
More likely, the problem stems from not finding the right "comps,"
or "comparables" -- prices of similar, nearby houses that
were sold within the last six months.
When is a comp not a comp?
In slow markets and rural areas, the appraiser might have trouble
finding comps, so the lender might ask the appraiser to look farther
away for examples of comparable homes, or to search farther back
in time -- up to 18 months ago instead of six months.
In very hot markets, the appraiser might be looking
at recent sales data that already are out of date because prices
are rising so fast. This happens because appraisers rely on county
records, which usually take two or more weeks to be updated. In
some super-hot areas on the coasts, home values can rise more than
20 percent a year, meaning that sales prices are out of date after
just a few weeks.
When the appraiser won't budge, or time is limited,
the buyer and seller have three options: Reduce the price, make
a bigger down payment, or nix the deal.
"It usually works out," says Diane Saatchi,
a senior vice president in Corcoran's East Hampton, N.Y. office.
It's rare for the agreed-upon price to truly be too high, she says,
"because, by definition, if somebody's willing to pay it, that's
what it's worth."
* Mortgage rate may include points. See rate tables
for details. Click
here. * To see the definition of overnight averages click
Bankrate.com ®,
Copyright © 2016
Bankrate, Inc., All Rights Reserved,
Terms of Use.


text: ARTICLES:Need a little help when it comes to grooming? Check out these articles, Grip on Home Grooming and Happytails, Healthy Dog!.SPA DAY:Pamper Your Pooch!Next time you treat yourself to a day at the spa, spoil your puppy with one too – and you don't have to take her to the groomer for it, either. Set aside some time for fun, gear up with all the tools of the trade, and pamper her at right at home – she'll enjoy all that love and attention just as much as you do. Getting started couldn't be easier: pick up some natural shampoos and conditioners, maybe a candle or two and some soothing aromatherapy sprays, throw in soft and cuddly towels and robes, and you're all set. Let the bubbles begin! If you want to get a little more adventurous and branch out into a spot of grooming after she's clean and dry, there are many tools and kits designed just for small dogs. They're cute, they're fun, and they can help you keep her in top-top shape between her visits to the professionals. Any one on one time with your little love is precious – turn it into a spa day and you're helping to keep her happy and healthy, too! – W Dunham