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July 13, 2016
Caveat Rent-to-Own
WiseBread quoted me in 5 Things You Need to Know When Renting-to-Own a Home. It opens,
Your credit scores are too low. Or maybe you've run up too much credit card debt. Whatever the reason, you can't qualify for the mortgage loan you need to buy a home. But there is hope: You can enter into a rent-to-own agreement and begin living in a home today — one that you might eventually be able to buy.
Just be careful: David Reiss, professor of law and research director for the Center for Urban Business at Brooklyn Law School, said that consumers need to be careful when entering rent-to-own arrangements. Often, these agreements end up with tenants losing money that they didn't need to spend.
"Potential homebuyers should be very careful with rent-to-own opportunities," Reiss said. "They have a long history of burning buyers. Does the law in your state provide any protection to a rent-to-own buyer who falls behind on payments? Could you end up losing everything that you had paid toward the purchase if you lose your job?"
These worries, and others, are why you need to do your research before signing a rent-to-own agreement. And it's why you need to know these five key facts before agreeing to any rent-to-own contract.
1. How Do Monthly Rent and Final Selling Price Relate?
In a rent-to-own arrangement, you might pay a bit more in rent each month to the owner of a home. These extra dollars go toward reducing a final sales price for the home that you and the owner agree upon before you start renting.
Then, after a set number of years pass — usually anywhere from one to five — you'll have the option to purchase the home, with the sales price lowered by however much extra money you paid along with your monthly rent checks. Not all companies that offer rent-to-own homes work this way. Some don't ask for more money from tenants each month, and don't apply any rental money toward lowering the eventual sales price of the home.
This latter option might be the better choice for you if you're not certain that you'll be able to qualify for a mortgage even after the rental period ends.
"A pitfall is if the tenant buyer signs into the program but will never be approved for financing, thus never purchases the house," said John Matthews, president of operations of Chicago Lease to Own. "That is how the scammers out there have used rent-to-own to hurt people. They sell it to those who should never have been in the program and take their portion of the rent every month used 'for the purchase of their home' knowing that the tenant will never qualify to buy the home."
Make sure you know — and are comfortable with — the home's final sales price and monthly rent payments before you agree to a rent-to-own arrangement. And if you don't want to pay extra in rent each month for a home that you might never end up buying? A rent-to-own agreement might not be for you.
July 13, 2016 | Permalink | No Comments
July 11, 2016
Does Housing Finance Reform Still Matter?
The Milken Institute's Michael Bright and Ed DeMarco have posted a white paper, Why Housing Reform Still Matters. Bright was the principal author of the Corker-Warner Fannie/Freddie reform bill and DeMarco is the former Acting Director of the Federal Housing Finance Agency. In short, they know housing finance. They write,
The 2008 financial crisis left a lot of challenges in its wake. The events of that year led to years of stagnant growth, a painful process of global deleveraging, and the emergence of new banking regulatory regimes across the globe.
But at the epicenter of the crisis was the American housing market. And while America's housing finance system was fundamental to the financial crisis and the Great Recession, reform efforts have not altered America's mortgage market structure or housing access paradigms in a material way.
This work must get done. Eventually, legislators will have to resolve their differences to chart a modernized course for housing in our country. Reflecting upon the progress made and the failures endured in this effort since 2008, we have set ourselves to the task of outlining a framework meant to advance the public debate and help lawmakers create an achievable plan. Through a series of upcoming papers, our goal will be to not just foster debate but to push that debate toward resolution.
Before setting forth solutions, however, it is important to frame the issues and state why we should do this in the first place. In light of the growing chorus urging surrender and going back to the failed model of the past, our objective in this paper is to remind policymakers why housing finance reform is needed and help distinguish aspects of the current system that are worth preserving from those that should be scrapped. (1)
I agree with a lot of what they have to say. First, we should not go back to "the failed model of the past," and it amazes me that that idea has any traction at all. I guess political memories are as short as people say they are.
Second, "until Congress acts, the FHFA is stuck in its role of regulator and conservator." (3) They argue that it is wrong to allow one individual, the FHFA Director, to dramatically reform the housing finance system on his own. This is true, even if he is doing a pretty good job, as current Director Watt is.
Third, I agree that any reform plan must ensure that the mortgage-backed securities market remain liquid; credit remains available in all submarkets markets; competition is beneficial in the secondary mortgage market.
Finally, I agree with many of the goals of their reform agenda: reducing the likelihood of taxpayer bailouts of private actors; finding a consensus on access to credit; increasing the role of private capital in the mortgage market; increasing transparency in order to decrease rent-seeking behavior by market actors; and aligning incentives throughout the mortgage markets.
So where is my criticism? I think it is just that the paper is at such a high level of generality that it is hard to find much to disagree about. Who wouldn't want a consensus on housing affordability and access to credit? But isn't it more likely that Democrats and Republicans will be very far apart on this issue no matter how long they discuss it?
The authors promise that a detailed proposal is forthcoming, so my criticism may soon be moot. But I fear that Congress is no closer to finding common ground on housing finance reform than they have been for the better part of the last decade. The authors' optimism that consensus can be reached is not yet warranted, I think. Housing reform may not matter because the FHFA may just implement a new regime before Congress gets it act together.
July 11, 2016 | Permalink | No Comments
July 8, 2016
Spreading Mortgage Credit Risk
The Federal Housing Finance Agency has released the Single-Family Credit Risk Transfer Progress Report. Important aspects of Fannie and Freddie's future are described in this report. It opens,
Since 2012, the Federal Housing Finance Agency (FHFA) has set as a strategic objective that Fannie Mae and Freddie Mac share credit risk with private investors. While the Enterprises have a longstanding practice of sharing credit risk on certain loans with primary mortgage insurers and other counterparties, the credit risk transfer transactions have taken further steps to share credit risk with private market participants. Since the Enterprises were placed in conservatorship in 2008, they have received financial support from the U.S. Department of the Treasury under the Senior Preferred Stock Purchase Agreements (PSPAs). The Enterprises' credit risk transfer programs reduce the overall risk to taxpayers under these agreements.
These programs have made significant progress since they were launched in 2012 and credit risk transfer transactions are now a regular part of the Enterprises' businesses. This progress is reflected in FHFA's 2016 Scorecard for Fannie Mae, Freddie Mac, and Common Securitization Solutions (2016 Scorecard), which sets the expectation that the Enterprises will transfer risk on 90 percent of targeted single-family, 30-year, fixed-rate mortgages. FHFA works with the Enterprises to ensure that credit risk transfer transactions are conducted in an economically sensible way that effectively transfers risk to private investors.
This Progress Report provides an overview of how the Enterprises share credit risk with the private sector, including through primary mortgage insurance and the Enterprises' credit risk transfer programs. The discussion includes year-end 2015 data, a discussion of which Enterprise loan acquisitions are targeted for the credit risk transfer programs, and an overview of investor participation information. (1, footnotes omitted)
This push to share credit risk with private investors is a significant departure from the old Fannie/Freddie business model and it should do just what it promises: reduce taxpayer exposure to credit risk for the trillions of dollars of mortgages the two companies guarantee through their mortgage-backed securities. That being said, this is a relatively new initiative and the two companies (and the FHFA, as their conservator and regulator) have to navigate a lot of operational issues to ensure that this transfer of credit risk is priced appropriately.
There are also some important policy issues that have not been settled. The FHFA has asked for feedback on a series of issues in its Single-Family Credit Risk Transfer Request for Input, including,
- how to "develop a deeper mortgage insurance structure" (RfI, 17)
- how to develop credit risk transfer strategies that work for small lenders (RfI, 18)
- how to price the fees that Fannie and Freddie charge to guarantee mortgage-backed securities (RfI, 19)
Congress has abdicated its responsibility to implement housing finance reform, so it is left up to the FHFA to make it happen. Indeed, the FHFA's timeline has this process being finalized in 2018. The only way for the public to affect the course of reform is through the type of input the FHFA is now seeking:
FHFA invites interested parties to provide written input on the questions listed [within the Request for Input] 60 days of the publication of this document, no later than August 29, 2016. FHFA also invites additional input on the topics discussed in this document that are not directly responsive to these questions.
Input may be submitted electronically using this response form. You may also want to review the FHFA's update on Implementation of the Single Security and the Common Securitization Platform and its credit risk transfer page as it has links to other relevant documents.
July 8, 2016 | Permalink | No Comments
July 7, 2016
Plunging Minority Homeownership Rates
Construction Dive quoted me in Why Minority Homeownership Rates Plunged After the Housing Crash — and How to Reverse The Trend. It opens,
The recovery from the 2007 U.S. housing crash is still underway, with the ramifications of foreclosures and subprime mortgages still playing out for many current and potential American homeowners. Northeastern markets are still struggling to clear out crisis-era inventory, largely due to foreclosure laws, and members of Generation X — one of the hardest hit groups during the crash — are just now building up the required financial strength and confidence to claw their way back to homeownership.
While the Census Bureau Housing Vacancy Survey indicated that U.S. homeownership overall was 63.5% in the first quarter of 2016 — down significantly from a 25-year average of 66.2% — the groups encountering the most difficulties snapping back from the housing crisis are the black and Hispanic populations.
The Census Bureau found that 41.5% of black households and 45.3% of Hispanic households are currently homeowners, compared to 72.1% of white households. And last year, while the Urban Institute projected that Hispanic homeownership would rise over the next 15 years, it also predicted that black homeownership would drop to 40%.
The stagnant and declining minority homeownership numbers are clear, but experts have varying views regarding why this situation is occurring and what can be done to reverse the trend.
* * *
In Newark, NJ, for example, entire minority neighborhoods were targeted with home renovation schemes, which ended in high-interest home equity loans for the consumer, according to David Reiss, professor of law and academic program director for urban business entrepreneurship at Brooklyn Law School. "You would see entire streets with home improvement projects through the same company," he said.
A study by University of Buffalo professor Gregory Sharp and Cornell University professor Matthew Hall found that "race was the leading explanation for why people lost homes they owned and turned back to rentals." Sharp and Hall said that minorities were "exploited" by the mortgage lending system, which led to blacks being 50% more likely than whites to lose their homes and enter the rental market.
After the housing market crash, there weren't enough educational resources and financial literacy programs available to minority groups to help them navigate the "new normal" of adjustable-rate mortgages and increases to their monthly payments, according to Franky Bonilla, with Churchill Mortgage in Houston. "Without access to even the most basic information, such as how to save money or properly document income, many borrowers were unequipped to overcome (these problems), and, as a result, many owners walked away from their homes," he said.
How to boost homeownership among minorities
So with minority homeownership rates lagging — and in some cases sinking — since the housing crisis, what's the answer to reverse the trend?
Bonilla, who is also a member of the National Association of Hispanic Real Estate Professionals (NAHREP), said approximately 60% of his business comes from minority homeowners and that this group in particular could benefit from borrower education and outreach, such as bilingual employees, as well as workshops and seminars.
"Lenders with more cultural diversity have an advantage because they can relate and communicate more effectively with individuals who might otherwise feel disadvantaged or intimidated by the mortgage process," Bonilla said. "In turn, this creates an opportunity to establish a relationship at a personal level and determine which mortgage options are the best fit for each borrower's unique financial situation."
Another possible solution to increasing minority homeownership rates, along with homeownership among those who don't meet the credit requirements for prime loans, is an overhaul of lending criteria for mortgages.
Reiss said there has been a move by some housing advocates to have credit for mortgage purposes reflect factors more indicative of future success as a homeowner. One of the critical issues, however, is to try to determine exactly how much credit is the right amount of credit. "You want to make credit available to people without having excessive default rates," Reiss said. "Clearly the amount of credit we had in the early 2000s was too much credit, and it ended poorly for many people."
Reiss added that home lending has always involved a careful balance between underwriting and available credit. "I think everyone would agree that the 'Wild West' days of lending were not good for American households in general," he said.
July 7, 2016 | Permalink | No Comments
July 5, 2016
Dems Favor Land Use Reform
The Democratic Party has released its draft 2016 Policy Platform. Its housing platform follows in its entirety. I find the highlighted clause particularly intriguing and discuss it below.
Where Donald Trump rooted for the housing crisis, Democrats will continue to fight for those families who suffered the loss of their homes. We will help those who are working toward a path of financial stability and will put sustainable home ownership into the reach of more families. Democrats will also combat the affordable housing crisis and skyrocketing rents in many parts of the country that are leading too many families and workers to be pushed out of communities where they work.
We will increase the supply of affordable rental housing by expanding incentives and easing local barriers to building new affordable rental housing developments in areas of economic opportunity. We will substantially increase funding for the National Housing Trust Fund to construct, preserve, and rehabilitate millions of affordable housing rental units. Not only will this help address the affordable housing crisis, it will also create millions of good-paying jobs in the process. Democrats also believe that we should provide more federal resources to the people struggling most with unaffordable housing: low-income families, people with disabilities, veterans, and the elderly.
We will reinvigorate federal housing production programs, increase resources to repair public housing, and increase funding for the housing choice voucher program. And we will fight for sufficient funding to end chronic homelessness.
We must make sure that everyone has a fair shot at homeownership. We will lift up more families and keep the housing market robust and inclusive by defending and strengthening the Fair Housing Act. We will also support first time homebuyers, implement credit score reform to make the credit industry work for borrowers and not just lenders, and prevent predatory lending by defending the Consumer Financial Protection Bureau (CFPB). And we will help underwater homeowners by expanding foreclosure mitigation counseling. (4-5, emphasis added)
Much of the housing platform represents a continuation of Democratic policies, such as increased funding for affordable housing, improved enforcement of the Fair Housing Act and expanded access to counseling for distressed homeowners.
But the highlighted clause seems to represent a new direction for the Democratic Party: an acknowledgement that local land use decisions in areas of economic opportunity (read: the Northeast, the Bay Area and similar dynamic regions) are having a negative impact on low- and moderate-income households who are priced out of the housing markets because demand far outstrips supply.
This is a significant development in federal housing policy, flowing from work done by Edward Glaeser and Joseph Gyourko, among others, who have demonstrated the out-sized effect that the innumerable land use decisions made by local governments have had on the availability of affordable housing regionally and nationally.
There is a lot of ambiguity in the phrase "easing local barriers to building new affordable rental housing developments," but the federal government has a lot of policy tools available to it to do just that. If Democrats are able to implement this aspect of the party platform, it could have a very positive impact on the prospects of households that are priced out of the regions where all the new jobs are being created.
July 5, 2016 | Permalink | No Comments


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In the Classroom: Human Development 101
That's one of the goals of Human Development 101—a class designed to provide students the skills to navigate both college and career. The quarter-long class covers stress management and test-taking strategies, along with setting job goals and writing resumés. The resumé, Bell explained, is part of a culminating project—an action plan for college.
In the Classroom: Biology Salmon Release
But for the students, laboratory staff, instructors, and salmon alike, the most exciting day of the year is the day – always during Earth Week – when the fish are released into Puget Creek.
Go Titans!
Tuesday afternoon I joined the students for a Titan Baseball Tailgate Party. One could not have asked for a more beautiful afternoon to be at a game and more importantly to engage with students.

subset: commoncrawl


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17 Slow Cooker Casserole Recipe Classics
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Turkey and Cranberry Pot Pie
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Combine the savory flavor of turkey and the sweet and tart tanginess of cranberry to create this recipe for Turkey and Cranberry Pot Pie. This easy slow cooker pot pie recipe is specially designed for to using up those Thanksgiving leftovers in a creative and delicious way. Add in leftover veggies from your holiday spread, and you'll have a complete meal thrown together in an individual-sized dish that will please the whole family after the big feast has ended.
Serves: 6
Cooking Time: 6 hr
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Comments Thread For: Price on Thompson: It's Up To Me To Raise My Game!
DAVID PRICE is ready to prove he is a realistic world title contender when he tackles Tony Thompson next month.
The British heavyweight champ takes on the veteran American at the Echo Arena in his native *Liverpool on February 23.
And 29-year-old Price is determined to show he is ready to muscle his way into the world title mix.
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David Price fights in the heavyweight division, of course. Are BoxingScene readers eligible to win one of those pairs of tickets? Or is that only for readers of The Daily Star?
In any event Thompson will give us a better idea of where Price stands at the moment. Even though he is old and over 40 now he should be able to give the kid a few different looks he hasn't seen yet.
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I hope Price continues to improve. His size will actually be a threat to Wlad.
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Price needs to KO Thompson faster than Wlad did to keep himself hyped.
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David Price fights in the Heavyweight Division!
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Which is the best place to go for a honeymoon ? If there's anyone who went there and can give me any suggestions please let me know!
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Fiji or Micronesia?
Which is the best place to go for a honeymoon ? If there's anyone who went there and can give me any suggestions please let me know!
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Fiji is fantastic! I lived there for 3 years and stayed in some wonderful resorts. Both the Sheraton resorts are great; Cousteau's dive resort has a great reputation; the Regent was a personal favorite. There are a number of very exclusive places for couples which would be wonderful if money isn't a problem! Email me back with any queries if you want to.
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I have not been to Micronesia since WWII but we spent 9 days at the Matangi Island Resort in Fiji last May. We can give it rave recommendations. You can check their honeymoon plans at http://MatangiIsland.com. You can save some money if you use deluxe bure #3 where we stayed instead of the tree house. We liked our location and room better.
If may be a little less expensive to go to Micronesia and the diving might be better. However you can't beat the beauty and charm of Fiji where the very friendly people speak English. You are little closer to civilization there also.
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I just moved from Guam in Micronesia; lived there for 2.5 years. I did like it, but I wouldn't spend my honeymoon there. If you go to Micronesia, go to Palau...especially if you dive.
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Courtesy of the Globe's James Mirtle, the Maple Leafs trimmed the camp roster from 47 down to 30 on Sunday afternoon, as the team's opening night lineup came just a little more into focus. Rynnas, Scrivens, Aulie, Brennan, Gysbers, Holzer, Mikus, D'Amigo, Irwin, Mueller, and Slaney will report to the Marlies, while Blacker, Carrick, Crescenzi and Ross will head back to junior. Despite performing well for two games, veteran checking forward Wayne Primeau has been released, as the club is likely looking to open up another roster spot for a younger player.
Home Leafs News Maple Leafs Announce Another Round of Cuts
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- Swimmer Ryan Lochte reveals one of his worst dates - US Weekly
- Get the latest on Dr. Dre's arrest - TMZ
- Despite rumors, Eddie Murphy's daughter is not pregnant - Gossip Cop
- The Vampire Diaries star Michael Trevino steps out for a good cause - Just Jared Jr
- Are Blac Chyna and Kylie Jenner on good terms? - Radar
- Blue Ivy is just as stylish as her mom Beyonce! - Lainey Gossip
- This Narcos star confirms he's not coming back for another season of the show - The Hollywood Reporter
21 May 2014 at 8:53 PM
Jena Irene & Caleb Johnson Walk Red Carpet Before 'American Idol' Finale!
About this photo set: Jena Irene and Caleb Johnson walk the red carpet together before heading inside for the American Idol season 13 finale on Wednesday (May 21) at the Nokia Theatre… Read More Here
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Bonne Bell Gel Bronze Reviews
nice productReally a great looking tan, even and smooth — 8 years, 1 month agohhillpeople | 78 reviews
Great For Pale Skin!!!This is the only bronzer I've been able to use on my pale skin that has actually looked natural. It wasn't fake at all! It was kinda like a cheek stain, so it lasted all day, too. If you have pale skin and you want it to look sun-kissed, then try this in "Luminous Glow". — 8 years, 1 month agoamanduhze | 111 reviews
cheap priceworks great but leaves skin feeling grasy — 8 years, 2 months agobearhugs65 | 39 reviews
This review is: Helpful | Not helpful | Inappropriate | 0 of 2 people said helpful
Pretty goodI like to mix this in with my foundation for a more tan look, and it actually works really good! At $3, you cant' beat the price for a good product! — 8 years, 2 months agoelizab48 | 70 reviews
Yuck!this stuff sucks — 8 years, 4 months agoDevon1 | 28 reviews
This review is: Helpful | Not helpful | Inappropriate | 0 of 5 people said helpful
Excellent and cheap!I've been purchasing this product on and off for the last 5 years. I use it once in a awhile for my face, but mostly for my legs in the summer. It has a great gel consistency that glides/blends in easily over your skin. Absolutely no pilling or streaking. Definately a "best buy" for drugstore cosmetics! — 8 years, 5 months agocalicokitty | 162 reviews
This review is: Helpful | Not helpful | Inappropriate | 2 of 3 people said helpful
So-so bronzerI've used this a few times. It goes on smooth if you don't like a caked on powder look, but I didn't think it added much color — 8 years, 5 months agorebeccaviebrock | 3 reviews
GLOWVERY GOOD FOR A QUICK TOUCH OF SUN LOOK.. — 8 years, 5 months agoccinatown | 3 reviews
This review is: Helpful | Not helpful | Inappropriate | 0 of 2 people said helpful
A ClassicGreat stuff, but I have trouble finding it at drugstores. It gives a sheer bronze look--very pretty and natural. — 8 years, 7 months agoAllieB | 73 reviews
Great product for a great priceI have always been scared to attempt self tanners/bronzers of any sort b/c I have seen and read all the horror stories about misapplication, etc. But this product is very easy to apply (believe me--if I can do it, anyone can) and is pretty goof proof. I didn't look orange or super scary tan; this just gave me a little extra color. Like all self tanners, make sure to wash your hands pretty quickly after application or it will stain your fingers. — 8 years, 7 months agosusie8 | 8 reviews
This review is: Helpful | Not helpful | Inappropriate | 3 of 4 people said helpful
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Clean room and 24 hour room service.
Being charged for internet access at a high-end hotel is ridiculous. It's almost like the higher the cost is the more these companies think they can rip you off by charging for additional services (or thing in the mini-bar) as opposed to trying to provide the most value for that money.
Great location walkable to path, waterfront, Main Street etc.
Asked at front desk if there was a coffee shop to get a cup of tea, told I could go to the restaurant to buy tea or coffee. Meanwhile when we came down Sunday morning to go out for breakfast there was complimentary tea/coffee being served in the bar. Nobody let us know that. Lighting in our room was pretty poor.
The rooms were cute. Not to small.
Stayed here for New Year's Eve. Wanted a bucket of ice for the room so my wife and I could keep a bottle of champagne cold. They actually charged us $5 for the bucket of ice. Not even Motel 6 charges for ice. Room was also very hot and a lot of noise from the street and hallway. Bed hard and uncomfortable.
Location is great - the art is amazing and the roof top terrace restaurant/ bar is top
Location to NYC
Right next to major throughway to Holland Tunnel so trucks drove by all night.
The breakfast was stale donuts and coffee.
Free Parking
Great Continental Breakfast - fresh pastries; nice variety
Very reasonable room rate (compared with hotels on NYC side of Holland Tunnel)
Friendly front desk staff
The staff at this hotel are so friendly. Location is convenient across the street from a train line and a few blocks from little Italy.
The hotel literally stinks. The room smelled so bad like regurgitated curry that we asked to switch. The second room smelled as well but not as bad, only in the bathroom. I think it must be the smell in the sewer pipes or something. Had to leave the bathroom door closed the entire trip so our clothes didn't smell like sewage.
The room was ok in general but very old bed and basic curtain shower. Old noisy AC with dial.
Extreme noisy all night.
Welcoming staff, easy check in, convenient location Great little restaurant serves good food and easy dining. Stayed many times at hotel and very consistent. Good value overall.
Wish they had "loyalty" program for frequent guests.
Very helpful and friendly desk staff. Bowl of free apples on counter.
Location is right in the middle of all the Time Square action and broadway shows, and lots of restaurants - if that is what you want.
Staff booked our car service for trip back to airport and service was excellent and reasonably priced.
Room space is tight. The closet for hanging up long pants is inadequate. Must call front desk to request a bucket of ice - no ice machines. Bathroom lacks sufficient towel rods and there is no place to hang up a wet washcloth, no shelf or niche in shower to place shampoo, body wash, etc except for one tiny triangular metal soap dish type thing. Only one shelf below the bathroom vanity to place toiletry bags, had to place hair dryer on floor. Hardly any counter space around bathroom sink, and only one narrow glass shelf above sink. Why is bathroom so sparse and lacking in these necessities?
On one occasion, a drunk guest tried to open our room door at 2 a.m. and I had to yell out "This room is occupied. Get out of here!" in my best effort to sound like a tough New Yorker. This worked; he left.
close proximity to light rail and subway
lack of view, lack of customer service with rainy day needs; umbrella, dryer for coats and shoes. stayed 2 nights, but hotel split it to two separate nights and we have to check back in and re-key our room keys for the second night. brought personal pillow and maid service removed it during the daily cleaning. T/he pillow was never found.
The hotel is walking distance from just about everything and the light rail is behind it. Like the cookie at check in. Staff was very friendly.
Had a room on the 3rd floor and the view was a roof with lots of vents.
Staff was incredibly helpful and accomodating
The location is great! I didn't mind that the room was small because I was only there to sleep. The morning staff was super friendly and helpful.
The evening staff was rude and not as welcoming as the morning staff. I was a bit put off but again, just for the purpose of sleeping I didn't mind staying here.
Views, staff, quality of the rooms and hotel
Comfortable bed
50 dollars for Below average scrabled eggs, potatoes, oatmeal for two... I was not impressed with the price or quality of food.
$31 surchase went to hotel for no extra value. Was a ripoff with only a small print notice in addition to large print advertised price. Buyer beware. Wouldn't recommend or go back.
They tack on all these fees when you arrive at the door. The bathroom is outdated and so are the tvs. The staff is also not too friendly including the information and door man.
the location it's great , everything it was cleaned
it's a old hotel
The website said parking and wifi included and when we got there parking was $50 and wifi was $20 a night
Nice staff, comfortable mattress and linens, great shower, funky style and great location - walk to everything and close to subway
Ultra small bathroom sink and counter, A/C didn't cool the room below 72 even with the thermostat turned down to 60. Bed also on a platform, and corner of the base jutted out far enough that I whacked my shins on it to the point of heavy bruises - totally my fault but just beware!!
Nestled into a quieter part of Manhattan (or at least not as hopping as Times Square) the Roger feels like a bit of an oasis. The hotel did a great job of converting its rooms so they don't feel like an old apartment with a fresh coat of paint and an over-sized photo of old Chelsea. The lobby is pleasant, there is a small, intimate cafe on the landing and the rooms are well-appointed and comfortable. This was my first time and would stay again.
Room 513 - the first bed (closer to the room door) has bed bugs. My wife got bitten by bed bugs and is now under oral/skin treatment. Whilst the location is perfect for those with a tight budget, if this problems persist, i will encourage one to choose another hotel.
Excellent hotel, nice and big rooms with everything that you need if you came for shopping or Expo in Meadowlands. Could also serve as an alternative for budget tourist trip for NY. It costs only 2.5 usd to get a bus which is located 10 min nearby and you are in downtown Manhattan in 20-30 min.
Located in an industrial zone, warehouses, etc
The location was quite poor, 5 min from bus-station and 15 min walk to train-station. 30-50 min to Manhattan by bus and 10 min by train/subway. Not very clean, poor breakfast- just donuts,muffins, coffe, juice and cornflakes. No supermarkets/shops around the hotel.
Location was good
The room had a strange smell when you entered.
No help from doorman to flag taxis. Generally the hotel showed wear and rooms need refreshing.
My body was on west coast time and I tried to take a shower at 2am but there was no hot water. They also ding you an extra $5 for usable internet.
Friendly staff, great location, unbeatable price!
It is a non smoking hotel, however someone was smoking and the smell wafted into our room.
The room is very small with a grate ceiling that makes the room noisy. There is one shared bathroom on each floor and the rooms are small and very unkept.
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From Wikipedia, the free encyclopedia
Cloud computing logical diagram Cloud computing is a model for enabling ubiquitous, convenient, on-demand network access to a shared pool of configurable computing resources (e.g., networks, servers, storage, applications, and services) that can be rapidly provisioned and released with minimal management effort or service provider interaction.[1]
4 Criticism 6.Contents [hide]1 Overview 1. software. consumption.2 Community cloud 4. Cloud computing describes a new supplement.2 Application 3. and delivery model for IT services based on Internet protocols.[5] . and it typically involves provisioning of dynamically scalable and often virtualized resources[2][3] It is a byproduct and consequence of the ease-of-access to remote computing sites provided by the Internet.1 Privacy 6.2 Characteristics 1. data access.3 Hybrid cloud 4.9 Sustainability 6.1 Client 3.4 Private cloud 5 The Intercloud 6 Issues 6.3 Performance 6.3 Platform 3.8 Security 6.[4] This may take the form of web-based tools or applications that users can access and use through a web browser as if they were programs installed locally on their own computers.5 Legal 6.7 Open standards 6.10 Abuse 7 Research 8 See also 9 References Overview Cloud computing provides computation.4 Infrastructure 3.2 Compliance 6.6 Open source 6.1 Public cloud 4.5 Server 4 Deployment models 4.3 Architecture 2 History 3 Layers 3. wherein end-users consume power without needing to understand the component devices or infrastructure required to provide the service.1 Comparisons 1. and storage services that do not require end-user knowledge of the physical location and configuration of the system that delivers the services. Parallels to this concept can be drawn with the electricity grid.
. as infrastructure is typically provided by a third-party and does not need to be purchased for one-time or infrequent intensive computing tasks.[6] Comparisons Cloud computing shares characteristics with: Autonomic computing — computer systems capable of self-management. as a metered service similar to a traditional public utility.[11] Characteristics Cloud computing exhibits the following key characteristics: Agility improves with users' ability to re-provision technological infrastructure resources. Commercial offerings may be required to meet service level agreements (SLAs). legacy applications (line of business applications that until now have been prevalent in thin client Windows computing) are delivered via a screen-sharing technology. Most cloud computing infrastructures consist of services delivered through shared data-centers and appearing as a single point of access for consumers' computing needs. mobile phone). service-oriented computing consists of the computing techniques that operate on software-as-a-service. As infrastructure is off-site (typically provided by a third-party) and accessed via the Internet. in a reciprocal manner." Mainframe computer — powerful computers used mainly by large organizations for critical applications. entire business applications have been coded using web-based technologies such as AJAX."[7] Client–server model – client–server computing refers broadly to any distributed application that distinguishes between service providers (servers) and service requesters (clients). Service-oriented computing – Cloud computing provides services related to computing while. industry and consumer statistics. in other cases.[13] Multi-tenancy enables sharing of resources and costs across a large pool of users thus . while the business software and data are stored on servers at a remote location. Application Programming Interface (API) accessibility to software that enables machines to interact with cloud software in the same way the user interface facilitates interaction between humans and computers.[12] This is purported to lower barriers to entry. but specific terms are less often negotiated by smaller companies.[9] Utility computing — the "packaging of computing resources. users can connect from anywhere. and financial transaction processing."[10] Peer-to-peer – distributed architecture without the need for central coordination.g.[13] Device and location independence[14] enable users to access systems using a web browser regardless of their location or what device they are using (e. enterprise resource planning. while the computing resources are consolidated at a remote data center location. Cost is claimed to be reduced and in a public cloud delivery model capital expenditure is converted to operational expenditure. loosely coupled computers acting in concert to perform very large tasks. which are accessed from a Web browser. whereby a 'super and virtual computer' is composed of a cluster of networked. PC. such as electricity. typically bulk data processing such as census.Cloud computing providers deliver applications via the internet. Cloud computing systems typically use REST-based APIs. such as computation and storage.[8] Grid computing — "a form of distributed computing and parallel computing. Pricing on a utility computing basis is fine-grained with usage-based options and fewer IT skills are required for implementation (in-house). In some cases. with participants being at the same time both suppliers and consumers of resources (in contrast to the traditional client–server model).
in part because providers are able to devote resources to solving security issues that many customers cannot afford. Performance is monitored. user access to security audit logs may be difficult or impossible. increased security-focused resources. the complexity of security is greatly increased when data is distributed over a wider area or greater number of devices and in multi-tenant systems that are being shared by unrelated users. In addition.allowing for: Centralization of infrastructure in locations with lower costs (such as real estate.[13] Security could improve due to centralization of data.[16] Scalability via dynamic ("on-demand") provisioning of resources on a fine-grained.[17] Security is often as good as or better than under traditional systems. and the lack of security for stored kernels. Maintenance of cloud computing applications is easier.[18] However. and consistent and loosely coupled architectures are constructed using web services as the system interface. etc. They are easier to support and to improve. typically involves multiple cloud components communicating with each other over loose coupling mechanism such as messaging queue. History The term "cloud" is used as a metaphor for the Internet. without users having to engineer for peak loads. Architecture Cloud computing sample architecture Cloud architecture.. etc. which makes well-designed cloud computing suitable for business continuity and disaster recovery. selfservice basis near real-time. based on the cloud drawing used in the past to represent the telephone network. because they do not need to be installed on each user's computer. but concerns can persist about loss of control over certain sensitive data.[15] Reliability is improved if multiple redundant sites are used. electricity.[19] the systems architecture of the software systems involved in the delivery of cloud computing. as the changes reach the clients instantly.[20] and later to depict the Internet in computer network .) Peak-load capacity increases (users need not engineer for highest possible loadlevels) Utilization and efficiency improvements for systems that are often only 10–20% utilized. Private cloud installations are in part motivated by users' desire to retain control over the infrastructure and avoid losing control of information security.
The Challenge of the Computer Utility. Details are abstracted from end-users. The actual term "cloud" borrows from telephony in that telecommunications companies.[26] By mid2008. online. when John McCarthy opined that "computation may someday be organized as a public utility. who no longer have need for expertise in. just to leave room for occasional spikes." Almost all the modern-day characteristics of cloud computing (elastic provision. and launched Amazon Web Service (AWS) on a utility computing basis in 2006. those who use IT services and those who sell them"[27] and observed that "[o]rganisations are switching from company-owned hardware and software assets to per-use service-based models" so that the "projected shift to cloud computing . who until the 1990s offered primarily dedicated point-to-point data circuits. fastmoving "two-pizza teams" could add new features faster and more easily. the comparison to the electricity industry and the use of public. Gartner saw an opportunity for cloud computing "to shape the relationship among consumers of IT services.[15][24] In early 2008. and for the federation of clouds.[21] Cloud computing is a natural evolution of the widespread adoption of virtualization. became the first open-source software for deploying private and hybrid clouds.. private. they were able to utilize their overall network bandwidth more effectively. Amazon played a key role in the development of cloud computing by modernizing their data centers. will result in dramatic growth in IT products in some areas and significant reductions in other areas. In early 2008. Having found that the new cloud architecture resulted in significant internal efficiency improvements whereby small. serviceoriented architecture. or control over. . it is possible to share services within any one of the following layers. enhanced in the RESERVOIR European Commission-funded project. Eucalyptus became the first open-source. autonomic.[25] In the same year. were using as little as 10% of their capacity at any one time. began offering Virtual Private Network (VPN) services with comparable quality of service but at a much lower cost. AWS API-compatible platform for deploying private clouds. and community forms. were thoroughly explored in Douglas Parkhill's 1966 book. government.diagrams as an abstraction of the underlying infrastructure it represents. the technology infrastructure "in the cloud" that supports them.[22] The underlying concept of cloud computing dates back to the 1960s. which. The cloud symbol was used to denote the demarcation point between that which was the responsibility of the provider and that which was the responsibility of the user. By switching traffic to balance utilization as they saw fit. like most computer networks. and utility computing. provided as a utility. illusion of infinite supply). in the framework of the IRMOS European Commission-funded project."[28] Layers Once an Internet Protocol connection is established among several computers.. efforts were focused on providing QoS guarantees (as required by real-time interactive applications) to cloud-based infrastructures. OpenNebula. Amazon initiated a new product development effort to provide cloud computing to external customers.[23] After the dot-com bubble. Cloud computing extends this boundary to cover servers as well as the network infrastructure.
eliminating the need to install and run the application on the customer's own computers and simplifying maintenance and support. Cloud infrastructure services.[32] It facilitates deployment of applications without the cost and complexity of buying and managing the underlying hardware and software layers. clients instead buy those resources as a fully outsourced service. Examples include some computers. Cloud application services or "Software as a Service (SaaS)" deliver software as a service over the Internet. and browsers. Rather than purchasing servers. software. along with raw (block) storage and networking. Cloud platform services. Suppliers typically bill such services on a utility computing basis.[29][30][31] Application See also: Category:Cloud applications. also known as Infrastructure as a Service (IaaS). A cloud client consists of computer hardware and/or computer software that relies on cloud computing for application delivery and that is in essence useless without it. deliver a computing platform and/or solution stack as a service. often consuming cloud infrastructure and sustaining cloud applications.Client See also: Category:Cloud clients. also known as Platform as a Service (PaaS).[35] Server The servers layer consists of computer hardware and/or computer software products that are .[33][34] Infrastructure See also: Category:Cloud infrastructure. data-center space or network equipment. deliver computer infrastructure – typically a platform virtualization environment – as a service. Platform See also: Category:Cloud platforms. the amount of resources consumed (and therefore the cost) will typically reflect the level of activity. operating systems. phones and other devices.
including multi-core processors. jurisdiction.[1] They have attracted criticism because users "still have to buy.). The costs are spread over fewer users than a public cloud (but more than a private cloud). self-service basis over the Internet. whereby resources are dynamically provisioned to the general public on a fine-grained. offering the benefits of multiple deployment models.[40] essentially "[lacking] the economic model that makes cloud computing such an intriguing concept".specifically designed for the delivery of cloud services. whether managed internally or by a third-party and hosted internally or externally.[1] Private cloud Private cloud is infrastructure operated solely for a single organisation. or public) that remain unique entities but are bound together. etc. cloudspecific operating systems and combined offerings. compliance. build.[13] Community cloud Community cloud shares infrastructure between several organisations from a specific community with common concerns (security. community.[41][42] The Intercloud Main article: Intercloud . whether managed internally or by a third-party and hosted internally or externally. and manage them" and thus do not benefit from lower up-front capital costs and less hands-on management. so only some of the benefits of cloud computing are realised.[36][37][38][39] Deployment models Cloud computing types Public cloud Public cloud describes cloud computing in the traditional mainstream sense. [1] Hybrid cloud Hybrid cloud is a composition of two or more clouds (private. via web applications/web services. from an off-site third-party provider who bills on a fine-grained utility computing basis.
and.[62][63] GNU's Richard Stallman insists that the industry will only use the model to deliver services at ever increasing rates over proprietary systems.[55] Customers in the EU contracting with cloud providers established outside the EU/EEA have to adhere to the EU regulations on export of personal data.[56] Performance With the American average download speed at 4MiB/S cloud computing relies on a high speed infrastructure that does not exist.[57][58][59][60][61] Forrester Research VP Frank Gillett questions the very nature of and motivation behind the push for cloud computing. and SOX in the United States. users may have to adopt community or hybrid deployment modes that are typically more expensive and may offer restricted benefits. but this has been criticised on the grounds that the hand-picked set of goals and standards determined by the auditor and the auditee are often not disclosed and can vary widely. in fact many local networks would struggle to serve multiple cloud instances. causes uncertainty among privacy advocates. the communication and data stored between the user and the host company.[53] Many providers also obtain SAS 70 Type II certification. Depending on the setup cloud computing can require very fast internet. HIPAA. the Data Protection Directive in the EU and the credit card industry's PCI DSS. lawfully or unlawfully. less CPU intensive setups (for the client) simply stream video over the internet or a LAN. and Verizon. CEO Larry Ellison of Oracle Corporation asserts that cloud computing is "everything that we already do". which recorded over 10 million phone calls between American citizens. working with AT&T. resulting in mere marketing innovation instead of "real" innovation. thus.[49] While there have been efforts (such as US-EU Safe Harbor) to "harmonize" the legal environment. Instances such as the secret NSA program.[citation needed] Criticism Some have come to criticize the term as being either too unspecific or even misleading. and the greater powers it gives to telecommunication companies to monitor user activity."[50] Compliance In order to obtain compliance with regulations including FISMA.The Intercloud[43] is an interconnected global "cloud of clouds"[44][45] and an extension of the Internet "network of networks" on which it is based. providers such as Amazon still cater to major markets (typically the United States and the European Union) by deploying local infrastructure and allowing customers to select "availability zones.[46][47][48] Issues Privacy The cloud model has been criticized by privacy advocates for the greater ease in which the companies hosting the cloud services control. otherwise likening it to a "marketing hype campaign". can monitor at will. claiming that the company could simply "change the wording on some of our ads" to deploy their cloud-based services. This is how Google is able to "manage and meet additional government policy requirements beyond FISMA"[51][52] and Rackspace Cloud are able to claim PCI compliance. under non-disclosure agreement. .[54] Providers typically make this information available on request. This makes cloud computing impractical in many environments. describing what he calls "cloud washing"—companies simply relabeling their products as "cloud computing".
In 2009. which opened up a bid for software that required that bidders use Microsoft's Business Productivity Online Suite.[67] There are also concerns about a cloud provider shutting down for financial or legal reasons. which has happened in a number of cases. (Consider using more specific clean up instructions. On October 29.[72] Security This section may require cleanup to meet Wikipedia's quality standards. 116 cloud computing trademarks were filed. Google filed a lawsuit against the U. goods. Department of Interior. the Free Software Foundation released the Affero General Public License. Since 2007.[65] Other legal cases may shape the use of cloud computing by the public sector. Google sued. concerns are being voiced about the security issues introduced through the adoption of this new model. resulting in a formal rejection of the trademark application less than a week later. (July 2011) Main article: Cloud computing security As cloud computing is achieving increased popularity. Dell applied to trademark the term "cloud computing" (U. 2010. The "Notice of Allowance" the company received in July 2008 was canceled in August. Some vendors have adopted others' APIs and there are a number of open standards under development. It is the very nature of cloud computing based services. the number of trademark filings covering cloud computing brands. cloud computing trademark filings increased by 483% between 2008 and 2009. As companies sought to better position themselves for cloud computing branding and marketing efforts.) Please improve this section if you can. calling the requirement "unduly restrictive of competition. the prevalence of open standards and open source may have an impact on the way that public entities choose to select vendors. one prominent example being the Hadoop framework. and trademark analysts predict that over 500 such marks could be filed during 2010."[66] Scholars have pointed out that. The effectiveness and efficiency of traditional protection mechanisms are being reconsidered as the characteristics of this innovative deployment model differ widely from those of traditional architectures. Trademark 77.082) in the United States. private or public. Most cloud providers expose APIs that are typically well-documented (often under a Creative Commons license[71]) but also unique to their implementation and thus not interoperable.139. that promote external management of . and services has increased rapidly.[68] Open source Open source software has provided the foundation for many cloud computing implementations.[70] Open standards See also: Category:Cloud standards.[69] In November 2007.S. beginning in 2005.S. The talk page may contain suggestions.[64] Legal In March 2007. a version of GPLv3 intended to close a perceived legal loophole associated with free software designed to be run over a network. with a view to delivering interoperability and portability.[73] The relative security of cloud computing services is a contentious issue that may be delaying its adoption.[74] Issues barring the adoption of cloud computing are due in large part to the private and public sectors unease surrounding the external management of security based services.
use of multiple cloud providers.[78] Siting the servers affects the environmental effects of cloud computing.[82] Research Many universities. focused on providing support for a new cloud initiative called Software-Defined Networking.provided services. there is as of yet no published study to substantiate this assumption. a nonprofit organization called Open Networking Foundation was founded.[79] Sweden and Switzerland. accountability. 2011. data segregation.[85] On March 23. the environmental effects will be more moderate. vendors and government organizations are investing in research around the topic of cloud computing:[83][84] In October 2007 the Academic Cloud Computing Initiative (ACCI) was announced as a multi-university project designed to enhance students' technical knowledge to address the challenges of cloud computing. such as Finland.[81] In 2009.[73][76][77] Sustainability Although cloud computing is often assumed to be a form of "green computing". Abuse As with privately purchased hardware.[80] are trying to attract cloud computing data centers.[75] Security issues have been categorized into sensitive data access. bug exploitation. privacy. crackers posing as legitimate customers can purchase the services of cloud computing for nefarious purposes. particularly public key infrastructure (PKI). recovery.[86] . Thus countries with favorable conditions. This includes password cracking and as a means of launching attacks. Solution to various cloud security issues vary through cryptography. account control. improving virtual machine support and legal support. and multi-tenancy issues. a banking trojan illegally used the popular Amazon service as a command and control channel that issued software updates and malicious instructions to PCs that were infected by the malware. management console security. In areas where climate favors natural cooling and renewable electricity is readily available. This delivers great incentive among cloud computing service providers in producing a priority in building and maintaining strong management of secure services. malicious insiders. standardization of APIs.
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El Espacio de pintura Virxe da Cerca inaugura una exposición In Memoriam al artista rumano Simión Craciun. La muestra estaba siendo organizada por el artista para presentar su nueva colección de obras realizadas entre Alemania, Rumania y España. Ahora, y tras su fallecimiento, se presenta como una exposición homenaje como recuerdo In Memoriam al artista y su obra.
El acto de inauguración contará con un concierto de cámara en la que tres músicos de la Real Filharmonía de Galicia le rinden homenaje.
Simion Craciun procede de una familia de artistas rumanos de prestigio representados en los más importantes museos de Bucarest. Su pintura, serena, con una espléndida factura técnica, nos retrotrae a la pintura occidental de principios del siglo XX, en concreto a los impresionistas a quien él admiraba por su concepción del paisaje.
Simion Craciun llegó a Santiago hace 13 años compaginando sus exposiciones en Galicia con exposiciones colectivas e individuales en el resto de Europa. Durante cuatro años vivió en Berlín, desde donde organizó distintos encuentros de artistas en Alemania y Rumanía, así como comisario de exposiciones de pintores rumanos. Sus exposiciones individuales y colectivas en Santiago han sido numerosas durante estos años.
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The festivities dedicated to the Apostle, the patron saint of Santiago, of Galicia and of all of Spain, last for about a fortnight. This festival combines religious and official solemnity, tradition and entertainment, which turn the entire city into a large fiesta.
July 24th and 25th are the two main days. On the night of July 24th there is an impressive firework display in honour of the Apostle, which coincides with the burning of a large pyrotechnic castle imitating the Cathedral's Gothic façade.
The exhibition is composed by contributions of the Library of 'Museo do Pobo Galego' the exhibition is divided into numerous display cabinets that show the evolution of the schedule of festivities in Galicia during a century of history, from 1880 until the 80s of the twentieth century.
Every year more than 1,500 people gather to savour the biggest paella made in Galicia with 1,000 kg of rice. The festival started in 2001 and has already been consolidated as an important event in the Municipality of Silleda's festive calendar.
Concert by Nik West + Mambo Jambo. This concert is included in Apostle Festival 2016.
Galician Traditional Costume Day. This activity is included in Apostle Festival 2016.
Humor night by Carlos Blanco and Luis Dávila. This show is included in Apostle Festival 2016.
'Serán de Hip Hop 2016' by Suite Soprano, Gata Cattana, Erin&DjMil, El Soed, Rendi Nue, Naro, Lírica Licorca, Alba G, Tr3s, Introspectores. Presented by : Pablic.
Concert by Roi Casal. This concert is included in Apostle Festival 2016.
From 1984 to date, every first weekend in August, the Municipality of Val do Dubra pays tribute to its residents who have emigrated and its visitors.
This is a very popular festival that is well established in the Municipality of Silleda'scalendar. Every year, more than 10,000 people gather together to savour around 2,000 portions of omelette and 1,000 litres of wine free of charge. The festival began to be held in 1989, reaching its 22nd year in 2010.
The "Festa do Galo Piñeiro e Mostra Cabalar," declared a Festival of Galician Tourist Interest in 2010, is held every year on the first weekend in August in the village of Pedrouzo (Arca).
The gastronomy festival par excellence in the municipality of Padrón, held on the first Saturday in August in the parish of Herbón. It started in 1978 and is now classified as a Festival of Galician Tourist Interest.
Festival featuring the promotion and tasting of ham, which is held on August 14 in the parish of Bermés (Lalín) and will reach its 16th year in 2014. Cured and roast ham is served, along with bread and wine.
The local holiday in honour of San Roque that is held in Melide in August.
Info available in Spanish and Galician. Sorry for the inconvenience.
San Caralampio is held in Melide on the second Sunday in September. This festival, also known as the Festival of the Drunks, has Bacchus reminiscences and is devoted to wine.
Lalín's feast day is held on the first Sunday after September 18th in honour of Our Lady of Sorrows. The festivities last for 5 days, since Monday and Tuesday are local holidays.
Info available in Spanish and Galician. Sorry for the inconvenience.
Info available in Spanish and Galician. Sorry for the inconvenience.


text:
School is out for students, but Hamilton County teachers will be sharpening their literacy instructional skills at the third annual Scenic City Literacy Conference on the campus of Southern Adventist University in Collegedale on Wednesday and Thursday.
"Hamilton County (through Read 20) and Hamilton County Department of Education continue to work together to provide Hamilton County's teachers with staff development opportunities to enhance the literacy instruction that they bring into the classroom," said Shawn Kurrelmeier-Lee, chief reading officer of Read 20.
"Professional development is essential for our teachers. It is so important for our children to have teachers who are prepared with the latest thinking and tools for teaching literacy," said Julie Legg, director of K-5 Literacy and ESOL for HCDE.
Read 20 is a public-private partnership that promotes literacy skills for early childhood, in support of Hamilton County's community literacy goals. Created in 2006 in response to community input through the 2004 Education Summit to encourage adults to read to children at least 20 minutes a day, Read 20 provides books and read alouds for children in public elementary schools and childcare centers in Hamilton County.
The conference is a collaborative partnership with Read 20, HCDE, UTC, the Public Education Foundation, Southern Adventist University, and Chattanooga State Community College. The focus of this year's conference is on pre-K through eighth grade literacy. Many of the presenters in concurrent sessions are literacy leaders within HCDE and the state.
Dr. Donald Bear, author of Words Their Way, who directs the E. L. Cord Foundation Center for Learning and Literacy where he works, through assessments and tutoring programs, with children who struggle to learn to read and write. Assessments he has developed are widely used in statewide literacy programs.
Isoke Nia, a national expert in literacy has been a classroom teacher, staff developer and literacy researcher for Teachers College, Columbia University. She consults in literacy instruction throughout the United States, Africa, the Caribbean and other destinations abroad.
Michael Fowlin, a literacy performer and speaker whose programs combine his professional acting talents and his psychological training to present programs that encourage inclusion, not just tolerance, towards all people. He has worked extensively with all age groups in the United States and in other countries.
8:30-9:45 a.m.: General Session with Donald Bear, author of Words Their Way
10-11:15 a.m.: Concurrent Sessions
11:30 a.m.-12:45 p.m.: Concurrent Sessions
1-1:45 p.m.: Lunch
2-3:15 p.m.: Concurrent Sessions
8:30-9:45 a.m.: General Session with Isoke Nia
1-2:15 p.m.: Lunch with Performance by Michael Fowlin
2:15-2:30 p.m.: Closing Remarks and Door Prizes
July 23, 2016
July 22, 2016
July 21, 2016
The Department of Continuing Education at Cleveland State Community College has a new line up of classes for fall. The upcoming classes are as follows: ? ... (click for more)
Dr. Richard Brown, executive vice chancellor for Finance, Operations, and Information Technology at UTC received the 2016 University of Tennessee Alumni Association Public Service Award for the ... (click for more)
McCallie rising senior Tahir Murray was one of about 200 students selected to participate in a national leadership program sponsored by Bank of America. The Student Leaders Program, ... (click for more)
The Department of Continuing Education at Cleveland State Community College has a new line up of classes for fall. The upcoming classes are as follows: ? Beginning Microsoft Excel This beginning Microsoft Excel course is designed to help individuals gain basic skills in working and implementing Excel software ... (click for more)
Dr. Richard Brown, executive vice chancellor for Finance, Operations, and Information Technology at UTC received the 2016 University of Tennessee Alumni Association Public Service Award for the UT Chattanooga campus. The UTAA Public Service Award recognizes faculty and staff members who make substantial contributions to the welfare and good of the state or national publics. ... (click for more)
A 30-year-old Hixson man has been charged with making threats to kill General Sessions Court Judge Lila Statom after police said they found evidence to tie him to recent threats against the judge. David Lee Graham, of 1730 Colorado St., is charged with retaliation against a judge. His bond was raised to $100,000. Detective Ric Whaley said he had been conducting an investigation ... (click for more)
Brandon Jamal Appleberry, 27, was arrested on Monday after an altercation with an employee at Southside Grocery on West 38 th Street, officers said. Marty Witt, 44, told police that the suspect confronted him with a gun in his hand. Officers said security video from the store clearly showed Appleberry arguing with several people outside while holding a gun. The defendant ... (click for more)
It's concerning that the Republican Party elite attending the recent convention would indict, convict and jail a political opponent, when the FBI found no criminal intent to compromise national security and no other law violations were found. This "lock her up" mob mentality is third world, over-the-edge behavior that has no place in a country based on the rule-of-law, where ... (click for more)
Back when we were kids the old guys taught us how to throw a one-two punch. It's pretty impressive if you do it right, which is to jab your left fist into the thug's face and then, as though it was a symphony, complete the combination as you deliver a powerful right cross to the same nose. If the thug has a gun, it doesn't work as well. But, boy, did our community ever get clobbered ... (click for more)


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Ink Cartridge Refill Canon CL-226-Need direction
Started Jan 23, 2013 | Questions thread
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Frank • Regular Member • Posts: 361
Ink Cartridge Refill Canon CL-226-Need direction
Jan 23, 2013
I want to learn to refill my carts. I've watched U Tube instructions and there are no two exactly alike methods.
Each video seems to leave out something or add something that leaves questions unanswered.
Can someone link a site or thread where one vendor has all the equiptment needed and furnishes clear instructions on how to fill, plug, and reset the chips?
Thank you
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Dress up a princess while you practice your math facts! Choose your operation ( + , - , x , / ). Pick a Tiara and a Gown. Make sure the numbers for...iOS Version 1.0 ... Added: 07/06/10Total Downloads10Last Week2
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You were playing all day at the water park. Now you want to go home, but the gate is locked. Find items and solve puzzles to unlock it.iOS Version 1.0 ... Added: 05/05/13Total Downloads4Last Week1
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July 16, 2010 ● Volume 33, Issue 14 Archived Issues
The Minnesota Credit Union Network offers a wide variety of educational opportunities for credit union professionals and volunteers. Check out the roundtables, telecourses and webcasts available throughout the summer. Register online for MnCUN's annual Fall Conference, which offers credit union professionals and volunteers a weekend of education, networking and fun. Visit the online Event Calendar today.
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7/28/2016Credit unions endorse Tom Emmer in 6th Congressional District race
7/27/2016Accentra Credit Union Named Best of Mower County
7/27/2016SPIRE's Stoltz Makes History with Aquatennial Commodore Appointment
8/3/2016Webinar - Product Terms Part 2: Establishing New Product & Service Controls
8/4/2016Webinar - 15 Errors to Avoid When Conducting Internal Investigations
8/4/2016Network Orientation
8/5/2016Lakes and Pines Golf Outing
8/8/2016Southern Minnesota Credit Union Golf Outing
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About kyuuketsukikurai : I'm from the US (PA and NJ), but I currently live in Northamptonshire, England. I enjoy traveling, even if I don't tend to have the money for it. I'm good with animals. I have a thing with learning new languages. Currently, I speak a tiny bit of Russian, conversational Japanese, English (my native language), and Spanish (3 years). I also like trying new foods wherever I happen to travel. I listen to alot of different bands in a lot of different languages and styles. In english, I listen to alt-rock, hard rock, metal, nu-metal, goth rock, country, emo, punk, pop, and ska. In japanese, I listen to rock, pop, and metal. In russian, I listen to rock and pop. I play video games of all sorts, but love adventure games (particularly point-and-click), RPGs, and survival thrillers. I love anime and manga. I am married to a young man from England I call Malcaius, but have a girlfriend, too. I am currently going to school, working toward my VMD.
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Snakes on the move
Benalla residents are warned to be on the lookout for snakes as the weather warms up.December 6, 2012 4:33am
A local reader contacted us last week about this snake that was in his front yard. It's that time of year.
With the onset of summer comes the presence of snakes.
That was the case for patrons at Benalla's Farmers Arms Hotel recently when they had a slithery friend slide in for a visit.
But as Benalla Rural City does not having a designated snake handler, those who see snakes are being directed to other registered authorities.
Benalla Rural City's development and environment general manager Veronica Schilling said council had received numerous calls for help.
''Council has no licensed snake removalists, with all inquiries currently referred to registered handlers,'' Ms Schilling said.
''We are receiving regular calls for help to remove snakes — with three recently received over the one weekend — and are investigating the possibility of some council staff undertaking training to become licensed snake removalists.''
Mick Liddington and Sandy Miskin are two local snake handlers who do not currently have the equipment required.
''We don't have the proper snake-handling kits at the moment, we have them at work but it's very hard to go in and get them after hours when we have a call-out,'' Mr Liddington said.
They would like to see council fund the $375 kits for them to successfully keep the Benalla community safe.
''We just want to do this area, but we don't have the kits at the moment,'' he said.
Mr Liddington said 90 per cent of snake bites were the result of residents trying to kill a snake.
''It's actually illegal to a kill a snake; they won't attack if they are not threatened,'' Mr Liddington said.
To reduce the likelihood of snakes around homes, grass should be kept short, and rubbish — such as piles of wood or sheets of iron which provide cover — should be removed.
Both Mick and Sandy can be contacted if snakes are found on your property; however there is a small travelling fee.
''If people see a snake, they should keep watch of it, if it takes us 15 or 20 minutes to get there, we want to know exactly where the snake is,'' he said.
Mick can be contacted on 0419
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Collision near Tatura
Two men were taken to hospital after a collision near Tatura.
Pigeons win rumble on the river
The Yarrawonga Pigeons defeated Corowa Rutherglen Roos by 76 points at the JC Lowe Oval in Yarrawonga.
Respected Aboriginal elder dies
The Aboriginal and wider community is mourning the death of revered Bangerang Aboriginal elder, Uncle John ''Sandy'' Atkinson.
The new 'face' of TAC
REGIONAL Victorians will be invited to get up close and personal with Graham (pictured above) – the face of a world-first Transport Accident Commission road safety initiative.
Garden club finally losing its bloom
AFTER 46 years of garden growing, Rochester and District Garden Club members are hanging up their spades, drying out their gloves and getting ready to watch the weeds grow.
Searching for cutest babies
Gift fundraiser is looking for toddler talent.
Wheeler and dealer in VFL
Local export Willie Wheeler dominating at VFL level
Hall offence
Berrigan Shire councillor Daryll Morris says he has been sickened by some of the vitriol and personal attacks to surface since the council's proposal to redevelop Finley's Memorial Hall and School of Arts site was revealed in October last year.
Heathcote to remember Georgia Edsall-French
THE Heathcote Community will come together once again to honour the memory of car accident victim Georgia Edsall-French at a memorial day this Saturday.
New Lions president
Katamatite Lions Club held its 42nd annual handover dinner at the Boosey Creek Tavern on July 13.
Roos hammer Timbercutters
Mathoura endured a harsh hammering to its playing confidence on Saturday with a 24-goal thrashing at the hands of Deniliquin Rovers.
Dairy farmers taste organics
The demand for organic milk in Australia is outstripping supply, creating an opportunity for the region's dairy farmers.
Panthers triumphant
Benalla All Blacks record 163 point victory over North Wangaratta.
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HOME GamesArcade Style Games Lucky Streak Poker
Lucky Streak Poker 3.0
- $ 14.95
- Shareware
- HipSoft LLC
Description of Lucky Streak Poker 3.0:
Video poker with a fun twist: Lucky Streaks that improve your odds! Get 3 or more Lucky Cards and you''ll be on a Lucky Streak drawing great poker hands! Keep your eye on the Luckometer to see how lucky you are! New gameplay options and low system requirements mean Lucky Streak Poker runs great on virtually any computer. The new internet leader board feature lets you compare your winnings with other players around the world!
Supported OS: Windows XP, Windows Me, Windows 98, Windows 95, Windows 2000
System Req: 32MB RAM, 200Mhz CPU or faster, Win95 or newer - Microsoft operating system: Windows 9x/ME/XP/2000.
User reviews: Lucky Streak Poker Download
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Video Poker Calculator 2.0 is an odds calculator for poker aficionados and online gamblers. The program automatically analyzes probabilities of getting a desired card combination and likely payoff. Great tool for poker professionals. Try it free! more info download
! 1st Multy-Player EVEREST POKER
Everest Poker is the first multi-lingual and multy-player online poker room application of the world. The software is translated into eleven languages. A 100$ bonus is ready for every new player! more info download
3C Poker
3C Poker includes most popular poker variants: Texas Holdem, Omaha, Draw Poker. Take a part in tournaments, choose your favorite betting structure: No Limit, Limit or Pot Limit. more info download
3C Poker & Card Parade
Software includes most popular poker variants (Texas Holdem, Omaha, Draw Poker) and 5 other unusual interesting games: Bezique, Bela, Piquet, 1000, Terts. more info download
3C Texas Hold'em Poker
Most popular poker variant: Texas Holdem (Limit, Pot Limit, No Limit). You can play against 12 computer opponents with varying degrees of betting aggressiveness and bluffing.Configure playing options as you please. more info download
3D Poker Bandit
Realistic german poker gambler machine with 3D graphics, found at german casinos. A lot of features with many kinds of winnings. more info download
4 Free Poker
4Free Video Poker is a very realistic simulation of a video poker machine like those found in casinos. more info download
Casion Style Video Poker
Casino Style Video Poker is a realistic simulation of the video poker machines found in all casinos. Terrific graphics, sounds and realistic game play make Casino Style Video Poker the most realistic simulation that you will find anywhere!!! more info download
Classic Caribbean Poker
The sensations you feel while playing Classic Caribbean Poker is not reproducible! Emotional animation and excellent mood is guaranteed! Take pleasure in the game, graphics, music and background tunes! more info download
Classic Everest Poker
Play Online Poker at Everest Poker. We offer multi-player poker games, Texas Hold'em, No Limit poker and Tournaments. Learn the rules and how to play for free or real money in our poker room more info download
Lucky in the Magic Forest
'Lucky in the Magic Forest' is a new Arkanoid-like game with lots of unique features and cartoon graphics. You can play the game together with your friend. This makes the game more interesting to play. It's a must-have for a whole family. more info download
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CryptXXX's StillerX module is capable of targeting all sorts of software, such as browsers, download managers, email clients, FTP software, IM applications, poker apps, proxy clients, VPNs, dialer credentials, and...


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Caixin OnlineOpinionEditorial The Limits of State Capitalism
The Limits of State Capitalism
Amid much discussion of China's economy, this much is clear: It has gone as far as it can in its current form
In today's international debate over China's development model, a commonly heard term is "state capitalism,' and one oft-cited example of this is the country's development of high-speed railways.
Yet, in this issue of Caixin we report on exorbitant prices paid for bathroom fixtures on new bullet trains, further evidence if any were needed of the ills of state-led market development. In light of such abuses, a closer look at state capitalism is timely.
- Caixin Explains: China's New Rules to Rein in Car-hailing Apps
- Web Stardom
- Deadly Floods Reveal Gaps in Country's Disaster Management Capabilities, Official Says
- Private Investors Elbowed Out by High Borrowing Cost, Research Shows
- Property Markets in Top Tier Cities Continue to Sizzle in July
- Revival, Resistance for National Pension Push
- China Industrial Profit Growth Recovers to 6.2 Pct in H1
- Top Military Aide Guo Boxiong Sentenced to Life for Corruption
- Boom Time for Apps Offering Answers for All
- New Territory for Financial Oversight Reform
- Sign up to receive our free daily newsletter
- Electric-Vehicle Makers Hit By Battery Troubles After Foreign Players Fail to Make Govt. List
- China to Build Out 45,000 km High-Speed Rail Network
- China Proposes Global Tax System at G20 Meeting
- Media Watch: Colonel Sanders Becomes Unexpected Victim of South China Sea Ruling
- China Moves Closer to Lift QR Code Payments Ban
- Anbang Defies Insurance Downturn With Surging Premiums
- Baidu Blames Third-Party Ad Agencies for Illicit Gambling Ads
- State Council Gives Green Light for Debt-to-Equity Swap Trials
- Regulators Try Leverage Caps to Rein in Risk
- Super Yachts for China's Super Rich
Latest Issue
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Piecemeal Investing
Issue 103
July , 2016