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If you are in need of money, there are several options that are available to you. Each of them has their pros and cons. One option that you have is to use something called a peer-to-peer lender. That may end up being the best option for you. Peer-to-Peer Lending Most people aren't sure what peer to peer lending is. P2P lending happens when the people who have money connect directly to the people who need the money. In other words, you are talking directly to the person who is going to lend you the money. You aren't dealing with a loan officer like you would be if you went to a bank or credit union. How P2P Lending Works The way that it works is that you contact a peer-to-peer lending website. You submit an application that says how much you need, your income, and all other pertinent information. Then your information is put on a database so that the lenders can access it. You may have one lender, or you may have several investors that lend the full amount that you need. Then you make payments back into the system, and that money goes back to the investor or investors. There is a fee associated with the loans and that goes to the company that runs the P2P website. Benefits of Peer-to-Peer Lending One benefit of using a P2P lending site is that there is less overhead. That lower overhead translates into lower rates for you when you are borrowing money from them. If you ever decide to lend money through one of these sites, that lower overhead also means that you are going to get good returns on your money. Another benefit to a lower rate for you is that it's going to be easier for you to build up your credit if you are just starting out. It can also be a way that you can build your credit back up if you have bad credit. Drawbacks of Peer-to-Peer Lending There are some drawbacks to P2P lending. One is that the lower your credit rating is, the higher your interest rate is going to be. There is no federal oversight on peer-to-peer loans, so the site and the lender are able to set their own rates. If you are in need of cash, you may want to check into peer-to-peer lending. It may fit your needs and situation very...read more
If you want to start a new business but are worried that you may not qualify for a traditional bank approved loan, then you may be putting off your business aspirations. Many banks will look at your business experience, the business plan, collateral, your credit score, and your overall financial knowledge when deciding whether or not to extend a loan offer to you. If you are lacking in one or more of these criteria categories, then it may be wise to apply for an SBA loan instead. What Is An SBA Loan? SBA stands for the U.S. Small Business Association. This association is a part of the government that specifically helps small businesses succeed. The SBA offers programs that help businesses acquire new technology and apply for permits and licenses in a quick manner. The organization also offers assistance to veterans who want to start businesses, and it helps to encourage flexible workplace initiatives. While all or some of these programs may be helpful to you, the most important offering is likely to be an SBA backed loan. The SBA does not give it out financial assistance for loans. However, it does offer federal backing for loans that are given to high-risk small business candidates. This means that banks will be more willing to offer a loan if you are approved for SBA loan backing. The loan is called an SBA loan, but money is borrowed from a bank that may otherwise turn you down for a traditional small business loan. If you fail to pay back the loan, the federal government will pay the money back to the bank. This offers the bank financial security when giving out small business loans. How Do You Apply For An SBA Loan? You should start the SBA loan process by first contacting either the regional or district SBA office in your area. This will allow you to learn about programs in your state or county that may be right for you. Once you learn about special or general loan programs, you will be provided with a list of financial institutions in your area that offer SBA backed loans. You can call the banks in your area directly as well to see if they offer these loans. Once you find a bank that offers SBA loans, you will need to fill out application paperwork through the bank. Approval for the loan will be based on some of the same factors as a traditional loan. However, the approval criteria will be less stringent. Keep in mind that a strong business plan is essential when it comes to SBA loan approval. You should formulate a three year strategic business plan to show that you have a clear idea of how to build your business and ensure its financial...read more
Portfolio insurance is a technique that is used by investors when the market has the possibility of becoming volatile. It includes mixing different financial instruments, including debt and equities, in such a way that they balance as much as possible, which helps protect assets and mitigate risk. Passive income in a portfolio is a great method to hedge against risk during a downturn in the market. What is Portfolio Insurance? Portfolio insurance is what investors use to hedge a portfolio of stocks against the risk in a market by short-selling stock index futures. This is a hedging technique that is utilized by institutional investors when the market is uncertain. Portfolio insurance is often considered an aspect of a healthy investment strategy. Using portfolio insurance allows investors to bet on the market increasing while hedging against risk that investments will decrease. Essentially, balancing stocks and options on stocks achieves a portfolio that is free of risk. How Does Portfolio Insurance Help Investments? Portfolio insurance prevents the potential risk of losing out on investment money due to a volatile economy or down market trends. Put options is one way to achieve this. If an investor holds stock and he or she believes it will increase in value, market trends may indicate otherwise. To protect the investment, investors pay another investor for put options, which provide the right to sell some shares should a particular stock reach a pre-determined level. This option provides a way out of an investment to minimize losses while selling stock for a profit. Safeguarding Your Portfolio with Passive Income For a portfolio to be strong and less likely to be harmed by economic crisis, it should include some form of passive income. Examples of passive income include angel investing and commodities investing. There are several steps you can take to strengthen your passive income portfolio. First, diversify your portfolio with a healthy risk of investments. This does not necessarily mean that you must have a wide variety of investment types. While that is ideal, you can protect your wealth by investing in different markets within one market. You should also take steps to mitigate your own risk. While some risk is fine, and even encouraged, you want to be sure that you are not taking on too much. Too much risk could cost you significantly, especially if you aren't properly diversified. Finally, make sure you are insured. This is separate from portfolio insurance. Instead, you want to have liability insurance in place in the event something happens that can cause you to lose all or part of your wealth. It is important to not forfeit too much money to overpayment, so be sure to work closely with an investment advisor or insurance broker to ensure you have the right amount of coverage for your assets. When it comes to building wealth, portfolio insurance is vital to your investment performance. Hedge against the possibility of economic volatility by balancing your investments against one another. Including passive income in a portfolio is also a great way to keep your portfolio strong. Contact a company like Weyco Community Credit Union for more...read more
One of the more useful services at your disposal when shopping around for a new home loan is a mortgage broker, mostly because he or she will be able to make the hunt for a desirable mortgage much easier for you. Listed below are just a few of the reasons to consider utilizing a mortgage broker. Provide Access To A Large Number Of Lenders One of the biggest reasons to use a mortgage broker is that he or she will be able to shop nationwide for a home loan for you. This is very useful for you because the mortgage broker will be able to send your information to a lot of different lenders that you may not have known about otherwise because they may not advertise as much or have a presence in your area. The fact that the mortgage broker is looking at so many different lenders means that the odds of finding one with the lowest possible rate or that are willing to approve you based on your particular financial situation will improve quite a bit. Sort Through Loan Offers Another reason to use a mortgage broker is that he or she will be able to sift through the many different loan offers that you will receive based on the criteria that you will provide when you first meet with the mortgage broker. This means that you will not have to spend a lot of time reviewing loan offers that have interest rates or monthly payments that are way too high for your comfort level. Instead, the mortgage broker will dispose of those loan offers and only pass on those ones that you would find acceptable or desirable. Set Expectations Finally, you will want to utilize a mortgage broker because he or she will be able to assist you with setting reasonable expectations when it comes to shopping for a loan. For example, a mortgage broker will be able to look at your financial information and the current housing market in order to let you know a realistic range when it comes to interest rates and how much you can expect to be loaned. This is useful because having realistic expectations set means that you can set limits on your loan criteria that are more likely to be met when your broker begins looking for potential lenders for you. Contact a mortgage broker or find a loan officer today in order to discuss the many ways in which he or she can help you find the right loan for you and your family. A mortgage broker can help you by setting realistic loan expectations, sorting through the loan offers to find the most acceptable ones, and providing you with access to a large number of lenders across the...read more
If you have gold jewelry or scrap jewelry in your home, you may want to sell it for a profit. It is important that you know who to sell it to and how much it is worth so you don't get less than what you deserve. Here are some helpful tips for selling your gold. Know What the Gold is Worth Any time you are planning on selling gold, you should start by finding out its value. Don't just go based on what that gold would be worth if it were new, but actually get an appraisal on the gold. This is important when you have a rare jewelry item, or gold that also has diamonds or gemstones included in it. Otherwise, just regular gold is going to go based on the type of gold and weight. You can determine the value by first finding out the type of gold, such as 14k or 22k. Next, you will need to weigh it with a digital scale. Compare the weight of it to current gold values to figure out what it should be worth. Decide On the Method of Selling the Gold Once you know what type of gold you have and what it is worth, you need to decide how to sell it and who you want to sell it to. You have many different options available, from local buyers to online ones. The benefit of online gold buyers is that they are plentiful and you can find a gold buyer that purchases any type of gold. However, local buyers are good to deal with since they will look at your gold upfront and provide you with a realistic quote based on their initial assessment. Either way you go, make sure you research the gold buyers thoroughly before choosing one. Also know the difference between a gold dealer and a pawn shop, as the amount you get for your gold will be much different. Avoid Taking the First Offer Unless you are sure your first offer is fair compared to the value of your gold, it is a good idea to get multiple offers and compare them. There may be a dealer who is looking for the exact type of cable necklace you have and is more than willing to pay a little more than the other dealers. Even online dealers will offer fair offers and are willing to send payment, along with easy instructions for sending the gold to them, after agreeing to the transaction. To get cash for gold, contact a company such as Executive Loan...read more
So you are in the process of buying a house, but suddenly you hear that the Federal Reserve is going to raise interest rates? What should you do? What Causes Mortgage Rates to Increase? Before panicking, look at what actually drives mortgage rate increases. The majority of mortgages are fixed-rate mortgages, for fifteen or thirty years. Adjustable rate mortgages are a different animal and fluctuate based upon the market rates, so those don't apply as much to this discussion. The Federal Reserve adjusts the federal funds rate, which is the rate that banks charge each other when they loan money between banks. Changes to this rate have a far greater effect on short-term loans, such as auto loans, than on long-term loans. 15-year, fixed rate mortgages are actually based upon the yield of 10-year Treasury notes, not the federal funds rate. Other factors have more influence on changing mortgage rates than the federal funds rate such as: Steady job growth: this creates stability in the lending market, as lenders with good job history are expected to be able to pay their mortgages U.S. economic growth: if the economy is growing, then lenders expect more people to have jobs and be seeking to purchase houses, leading to competitive mortgage rates Economic inflation: the Federal Reserve adjusts rates to respond to an expected rise or fall in inflation. As inflation rises, mortgage rates rise. Treasury bonds: 10-year Treasury bonds are closely linked to 15-year mortgages. As Treasury bond yields increase, so do 15-year mortgage rates What Should You Do? The easiest answer is that you shouldn't do anything you aren't already doing while you look for a house. Mortgage interest rates are much more closely tied to larger, macro-economic forces, not the movement of the Federal Reserve. An expected rate hike should not make you hastily seek a house to buy or stop looking for a house. If you like the rates that you are seeing now, you can lock your interest rate early once you are qualified for a loan. This only works if you have decided upon a house already, since you can't lock a rate without knowing the purchase price. The interest rate you can lock is dependent upon how many days you need to hold that interest rate. You need to determine how long it will take you to close on a house and then request a loan lock that is a bit longer than that period. There are costs associated with locking a loan rate early. To hedge risk, lenders may charge fees or offer slightly higher rates to lock the loan early. These fees and rates are higher the longer the lock period. The most important thing to do is to remain calm. Small moves in the federal funds rate have small impact on fixed year mortgage rates. Even if they do go up, you may not be looking at much more per month with the higher...read more
Mortgages, acquired with help from a mortgage broker, can be pretty scary beasts, especially if you are a new homeowner. However, they can be easily managed if you have the right mentality going forward. To help you get a handle on your mortgage, here are some tips that you should always keep in mind: Pay on Time The first thing that you need to do is pay your mortgage on time. This may seem difficult, but you should plan most of your expenses around your ability to make your mortgage payments. If money is feeling a bit tight, then you should stay on the safe side and not may any unnecessary purchases until you are sure that you can make your mortgage payments in the foreseeable future. If you fail to make your payments, then the penalties could build up much faster than you expected. Not only will you need to deal with the extra fees of the late payments themselves, but your credit score might also take a big hit. In the worse case scenario, you could even lose your home as a result of late payments. On the other hand, you want to be very careful about taking out loans to make your mortgage payments. In most cases, this will be a bad idea, since the new loans will likely have much higher interest rates. However, if you are able to secure a debt consolidation loan (which commonly have lower interest rates than average), then you might want to consider such a possibility. Prepare a Budget If possible, you should plan out every possible aspect of your budget before committing to a mortgage. You don't have to stick to the budget to the letter, but it is incredibly important that you have a good idea about how much various expenditures will set you back. You want to be able to pay off your mortgage while simultaneously handling insurance, utilities, food, and entertainment expenditures. Getting blindsided by any of those can end up setting back your mortgage payments. It's not mandatory, but you can hire a financial adviser to help get you started. They might have additional insight into how your future expenditures are likely to change and how you can most effectively budget your money and time. Spending the money on a consultation can end up costing you a lot less than the stress of trying to fix all of your financial problems without the experience and education than a professional can bring to the...read more
Getting a mortgage is typically the same traditional process, no matter who your lender is. You will present your proof of income in the form of tax returns or pay stubs. You will also have to bring bank account information regarding your down payment and credit information. Though you will need the traditional paperwork there are some supporting documents that may actually help you get a mortgage. Here is some nontraditional paperwork that you can present to a broker in order to get a mortgage. 401k or Roth IRA info When you will retire is up to you, as long as you have the money to cover all of your debts for life. For this reason, a 401k or a Roth IRA with a large amount of funding can be a major positive in your side when applying for a mortgage. If you are nearing retirement age, or if you have managed to squirrel away a large sum for your golden years, bringing proof of this asset to your mortgage lenders office can slide you into home base for an approval. A check and letter from the family If you are lucky enough to have family help with a mortgage, you may not know how to go about it other than using the money during the down payment phase. What a lot of new mortgage applicants may not know is that you will need to present proof of a monetary gift in order to qualify for the mortgage. If your family will be giving you money to help pay for your mortgage, gather the exact sum in a bank account and get a letter from each family member stating where the money came from and that it is a gift. Your future lender will feel better knowing that the money is not a loan, thereby taking up your debt to income ratio. Proper paper trails While the typical borrower will have standard pay from an employer, some borrowers choose to work for themselves. While tax returns may be requested, you can bring deposits and information from your bank account that show you have the money to pay your mortgage. Along with the deposits, make sure you have a paper trail, detailing exactly where each came from. Keeping a ledger book is one of the best ways to keep up with precise information on deposit. Random deposits that make up a good monthly income can help you score that stable mortgage that you always...read more
Trying to get a new business up and running can be difficult, especially if you do not have enough cash to get it going. Poor cash flow is one of the top reasons small businesses fail, which is why you should make sure you start your business off right in terms of cash. If you do not have access to cash, a good option is to apply for a small business loan. In order to qualify with a lender, you will have to prove several different things, including the following three. There is a demand for your product or service Getting a loan for your new business is not always easy, primarily because your new business has no track record. Lenders are cautious about handing out money to new companies because of this, and your lender may want proof that your business will be able to repay the money you borrow. One type of proof the lender may ask for involves the demand for your product or service. You will most likely need to create a business plan before you can prove this. This plan will demonstrate a lot of things, including evidence that proves there is a high demand for the products or services your new business will be offering. You can use evidence such as recent articles about trends in this field and information from studies and polls you have completed. You can also include research that illustrates that people want you will sell, and you can explain who your target market is. You have an adequate amount of assets The second thing the lender may want to see is the total value and listing of the assets your company does own. If you need certain machines to offer your products or services and you already own these, the lender may look favorably on this. Lenders have to protect themselves when giving loans. If you already have the assets your business needs, it will look better on your application. You have a strong marketing plan in place Small businesses that do not market themselves online have a greater chance of failure, which is why your lender will ask you about your current marketing plan strategy. You might have the best idea for a business, but without the proper marketing efforts, your business may go nowhere. You will need to clearly write out your entire marketing plan to submit it to the lender when you apply for the loan. Getting a small business loan may not be easy, but you can do it with the right steps, research, and information. To learn more about getting a business loan, contact a lender in your...read more
Whether you made a great investment or you have paid off a large portion of your mortgage, having home equity now means that have a prized asset on hand. Once you have equity, you quality for a home equity loan, to be used in any way that you desire. One of the ways that you can use a home equity loan is to purchase another property. Here are some was that you can go about utilizing a home equity line of credit in real estate. Secure a loan approval The approval amount on your home equity line of credit will be determined by the equity that you have in your home and your current credit score. You should want for the official approval before looking for homes, as your loan amount may be more or less than you were expecting. Once you secure the loan, looking for and bidding on properties will be an easier experience. You are also likely to receive a discount, with your ability to pay off properties in cash. Decide on retirement or investment There are two main reasons that you can purchase a new home. One is as an investment and the other is for living quarters of your own. If you are looking to retirement, you may be interested in purchasing a retirement home. Even if you are a few decades away from retirement, having a home already paid for will give you peace of mind when it comes to your golden years. If you would rather create a new stream of income that will generate monthly money, purchasing a small house or condo in your town will provide you with a great start on a real estate venture. It will also help you pay off the equity loan, while providing you with a retirement house in the future. Purchase your own home If, since the purchase of your home, your financial situation and credit score have gotten better, purchasing your own home may be a good idea. You can pay off home loans with a home equity loan. With a better credit score, you may get a better interest rate and better loan terms, which will make this loan lower in cost than your mortgage. A home equity line of credit can provide financial freedom. With the infusion of cash from the loan, you can re-invest in real estate to create a better financial future for yourself. Consider ways to create a better future with a home equity line of credit. For more information, talk to a lender like MCS...read more


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Radio-controlled X-drone Quadcopter
Item # WX2-424935SOLD OUT
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- Details & Specs
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Radio-controlled X-drone Quadcopter is the ultimate flying machine, delivering acrobatic thrills! SAVE BIG!
Out of the wild blue yonder! It's a plane. It's a helicopter. NO! It's the exciting X-drone Quadcopter. Ready for take-off? Command its acrobatic flying movement by mastering the remote-controlled, handheld 2.4g controller featuring left and right joysticks. It's a thrill a minute as this multi-copter is lifted and propelled by 4 rotors. Goes up / down, forward / back and leans left / right. Fly indoors or out.We have lift off:
- 4 rotors and 4 brushless motors
- Custom auto-stabilizing gyro system makes flying and doing airborne flips easy
- 8-direction control
- Has 2.4 Ghz communication module for 150' range
- 4 selectable power settings
- Up to 20 minutes fly time (10 min. per battery)
- Includes transmitter, extra set of 4 blades, 4 rechargeable li-po AA batteries and power charger. 10 x 10", 4 ozs. UL-listed wall adapter.

subset: commoncrawl


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CenterCourt houses seven food stations under its soaring, contemporary ceiling, each of which is a destination offering unique culinary dishes. Of course you are able to "mix and match" from an unprecedented variety, and you'll even enjoy special events and theme meals.
Casual Meal Rates
Breakfast $6.65
Lunch $9.95
Dinner & Late Night $11.50
CenterCourt accepts Meal Plans, Cash, Credit, and the Bearcat Card.
How do I get there?
Conveniently located at the Northeast end of MainStreet across from Starbucks SSLC.
Enter at the doorway to the right of the Rec Center pass-through.
Phone: 513-556-4116
Hours of Operation
CenterCourt will be open for summer service from May 28 - August 5.
Monday - Friday
Breakfast: 7 - 8:30 a.m.
Lunch: 11 a.m. - 1 p.m.
Dinner: 5 - 6:30 p.m.
Saturday - Sunday
Brunch: 11 a.m. - 1 p.m.
Dinner: 5 - 6:30 p.m.


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Clinical value
Improved medical service delivered without excessive cost overrun;
Improved medical service delivered with excessive cost overrun; optimised selection of antibiotics before administration
The purpose of the BIOFILM project is to develop a new bacterial susceptibility test called Antibiofilmogram®. An antibiogram is the result of a laboratory testing for the sensitivity of an isolated bacterial strain to different antibiotics. The new Antibiofilmogram® test takes into account the biofilm behaviour of the microorganisms to potentially better prevent classical antibiotics treatment failures.
The BIOFILM project gives French companies of the clinical diagnostics market, especially BIOFILM CONTROL, the opportunity to take the leadership ahead of their competitors. The international recognised experience of each partner of the project in their own area of business and their critical size are significant assets to face the international competition.
There is considerable pressure on hospital microbiology laboratories, which can receive and test more than 1,000 samples per day, to provide the best possible quality test results as quickly as possible, in particular given the rapid increase in multi-resistance bacteria, the growing list of super bugs responsible for potentially fatal infections and the reduction in the number of staff qualified in microbiology.
Given these facts, new technologies and automated solutions must be created to substantially reduce the needed time to provide clinicians with the following results:
Microorganisms can follow one of two radically different life styles: planktonic and sessile. The former relates to a free bacteria population that inhabits a liquid environment, while the latter takes effect as soon as the bacterial community begins to attach itself to a solid support and secretes slimy substances to form a biofilm. Bacteria in biofilm form are more resistant to external attacks, particularly from biocides and antibiotics.
Demonstrating the clinical value of early detection of biofilm in response to contact with an antibiotic will give clinicians the information for which they have been yearning. They are particularly eager to find a way of determining the effectiveness of an antibiotic to inhibit the biofilm, which is a bacterial behaviour that increases risk to the patient. This is particularly an important factor, with regard to the risk of infection such as urinary infections in pregnant women, immunodeficient patients, patients in intensive care or fitted with medical devices of prostheses and so on. Aside from extreme cases, being able to give better-informed prescriptions enables clinicians to save time and cost (assessed $2,500 per patient per day) relating to hospitalisation or outpatient treatment.
BIOFILM CONTROL provides a new, patented technological test - the BioFilm Ring Test® (BRT) – that will enable to assess the effectiveness of antibiotics to prevent or kill the microorganism organised in biofilm :
In vitro diagnostics provide the tools, reagents and databases needed to examine information about the patient from samples of tissue and human bodily fluids. It forms an important link in the treatment chain, as 60-70% of medical decisions are taken from in vitro diagnostics results.
The annual global market in Microbiological Diagnostics accounts for 7% of the in vitro diagnostics market, which is worth some 30 billion euro. It has been growing by 4-5% per year.
Improved medical service delivered with excessive cost overrun; optimised selection of antibiotics before administration
In hospitals: reduced hospitalisation time (average cost $2,500 per day);
In the workplace: fewer absences of work due to illness
A bacterial solution is dispensed in wells with particles that can be magnetised. When a magnet is put at the bottom of wells all particles will be attracted to form a central spot if no biofilm is present. As the biofilm is forming, the particles will be immobilised and the spot does not appear.
Analysis of the I0 (prior magnetization) and I1 (after magnetization) images with the BFC Elements software shows the biofilm forming index (BFI).
The poster presented by Elodie OLIVARES (co-directed thesis BioFilm Control / Institute of Bacteriology, Early Bacterial Virulence EA7290, Strasbourg, FRANCE ...
BioFilm Control will attend the next MEETING OF ESCMID STUDY GROUP FOR BIOFILMS (ESGB), Rome, the 9th and 10th ...
Meeting with the partners of the ANTIBIOFILMOGRAMME FUI project on Tuesday, September the 30that 10:00 am at LYONBIOPOLE ...
BIOFILM CONTROL will realize a demonstration of its technology in Jeffrey KAPLAN's lab, Associate Professor in the Department ...
ICAAC, the premier conference on antimicrobial agents and infectious diseases, showcases the latest-breaking science and lectures from top researchers ...
Copyright © 2016 BioFilm Control. All right reserved.
Design : Askin


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posted on: 6/27/13
My son is 17 and is interested in improving his basketball skills.- Carter from San Jose, CA
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Sofia Mayor Party Mulls Roma Minister in Future Cabinet
Boyko Borisov, Sofia mayor and leader of Bulgaria's right-wing GERB party, who is widely believed to eye the prime minister office, said he was considering a Roma minister in his future cabinet.
Borisov spoke upon conclusion of the signing of a memorandum for collaboration and joint intent between the Citizens for European Development of Bulgaria (GERB) party and social and non-governmental organizations, including Roma organizations.
The Roma representatives, reportedly, said that they were not offended by a recent statement, made by Borisov during a meeting with Bulgarian ex-pats in Chicago, where he said the country's main problem was its "bad human material" which included the Roma, the Turks, and the retirees.
The memorandum's goals contain a clause for the inclusion of educated and qualified Roma in all levels of the Bulgarian government.
"By separating the elections for Bulgarian Parliament from those for the European one with the motif that the voters will become confused, the Bulgarian Socialist Party (BSP) and the Turkish Movement for Rights and Freedoms (DPS) insulted their electorate much, much more. Isn't this a direct admission that people who vote for BSP and DPS cannot ever read the ballots?" Borisov said, cited by Darik radio.
The GERB leader pointed out that, despite the still low percentage, there were Roma in Bulgaria holding two or three degrees.
"We will consider, if we manage to form our own Cabinet, appointing a Roma Minister and Deputy Ministers, to include them directly in the country's government, to represent large social groups and be accountable to them," Borisov declared.
- » Bulgarian Parliament to Choose from Three Dates for 2016 Presidential Elections
- » Bulgaria's ABV: Leader, ex-President Should Run Again
- » Bulgaria Took Back 400 Migrants from EU in A Year
- » Ansbach Attacker Was to Be Deported to Bulgaria - German Officials
- » Bulgaria's Last King 'among Presidential Nominees' of Socialist Party
- » Court to Sit on Bulgarian DOST Party's Denied Registration


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The Learning Center
Loan Product Advisor: Introduction and Overview
Sign up for this interactive webinar to learn about the redesigned Full Feedback Certificate & web-page interface, new cash-to-close feedback messages, and more.
Loan Product Advisor Feedback Certificate
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Freddie Mac Principal Reduction Modification
Check out this tutorial, available 24/7, explaining this offering that can assist borrowers who are most at risk of foreclosure.
Introduction to the Self-employed Borrower, Including a Sole Proprietorship
Sign up to learn how to complete your analysis and to enhance your processes for underwriting self-employed borrowers, with a focus on the sole proprietor.


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That book is not free you have to pay :(
macer75 wrote:
" Personally, I never exchange pieces unless it is absolutely necessary, because I suck at playing king and pawn endgames (and because I think a lot of exchanges are pointless)."
If I win just one minor or major piece, I will always look for ways to force trades (simplification) to a very easy to win King and Rook vs. King endgame. This is how most of my games are won, either by resignation because my opponent is down one or two pieces, or by check mating the enemy king with my king and rook. I know this endgame far better than any king and pawn vs. king endgame, as I believe it is the easiest endgame to learn.
Silman's Complete Endgame Course, from beginner to master, by Jeremy Silman, is probably the best book on endgames on the planet, for everyone except maybe those that need something harder... to reach IM or GM.
His book is organized by rating (Part One/Endgames for Beginners - Unrated to 999). Part Three (Class D 1200 to 1399) is much harder, for me. I am happy to go over just part one and part two from time to time.
So, king and pawn endings require much more study than king and rook vs. king endgames.
Below is a game where I was happy to force a trade of queens (39.Qa4+ Ke5 40.QxQf4+ KxQf4) with a tactic (skewer) to simplify the position to a king and rook vs. king endgame. There were a few pawns left on the board, but that is usually not a problem when I am the one with the only rook on the board.
Here is an example of a simple K+R vs. K endgame.
Oops, sorry, didn't realize you have to be a "premium member" to download it, but you can read it there online, the diagrams aren't very good but the content looks intact.
Don't overvalue space advantage. It's not the space that counts but the position within the space.
When the position looks quiet (there are no tactics that you can find), you could start looking for imbalances like weak squares, outposts (for your Knight), (semi) open files. Based on these imbalances, try to come up with a plan. For instance, if you see that your opponent has a backward pawn on a semi open file. Try to find the most efficient way to target that pawn. Which piece should go where? Based on that you can start playing moves in a structured manner, even in quiet positions. And if the situation on the board changes (e.g. the backward pawn is well protected), evaluate the position again and come up with a new plan.
It's not the number of pieces that count, it's the number of ACTIVE pieces that counts! How many times have we never got around to moving our rook at a1 until the end of the game?
That depends on your opening and the variation you play.
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The Leadership Skills Handbook
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moreWinner of the 'New Manager' category at the CMI Management Book of the Year Awards http://yearbook.managers.org.uk/The Leadership Skills Handbook from best-selling author Jo Owen reveals the essential skills you need to be an effective leader. It shows you what works in practice, not in theory. Each skill is presented in concise, easy to follow format. The skills are about the real challenges real leaders have to master.Based on research from over a thousand leaders in the public, private and voluntary sectors, it identifies the practical skills to make you even more successful, and offers guidance on all key topics.This completely revised second edition of The Leadership Skills Handbook is about more than just technical skills, it is also about developing the people skills, behaviours and values you will need. Full of tips, exercises and practical wisdom, it will help you become a leader that people want to follow. less
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How do you think the KJCCC should vote? Should high schools boycott certain JUCO programs?
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Jon Meacham is the Editor of Newsweek magazine. Since starting there as a writer in 1995, he has also served as the national affairs editor and managing editor. He now supervises and occasionally contributes to Newsweek's coverage of politics, international affairs, and breaking news. Meacham is the author of two New York Times bestsellers: American Gospel: God, the Founding Fathers, and the Making of a Nation (2006), and Franklin and Winston: An Intimate Portrait of an Epic Friendship (2003), which won the 2005 Emery Reves Award and the William H. Colby Military Writers Symposium's Book of the Year Award. His latest book, American Lion: Andrew Jackson in the White House, was published by Random House on November 11, 2008.
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Jon Meacham: I don't see faith and reason as being incompatible. John Paul the II once said, "They're the two wings on which we rise on the contemplation of truth." Very grand image. But the final leap of faith in monotheistic terms – to limit the conversation somewhat – is in fact irrational. As Henry. . . as Coleridge said, "It's the willing suspension of disbelief." So yeah, at the end of the day I make a leap into the irrational. But all the way up to that point, I think that my own particular religious faith is as well grounded in history and argument as anybody else's, and sometimes perhaps more so than in other traditions. I like to think that the coherent element, if there is one – the common dominator – is a kind of hopefulness that whether one is intensely secular or intensely religious, one hopes for . . . presumably hopes for something better tomorrow than one has today. And how we get there is often what the fight is about. I have no interest in evangelizing. I have no interest in converting anyone to anything except one hopes a kind of matasonian appreciation of the fact that there are many conflicting forces all of which should be heard. And then we work out what we need to work out; but we have to do it with some sense that we're doing it not simply for our appetites of the moment, but to make the world a better place in the sense that we will be more secure. We would be happier. We're doing so for our children. And so I think hope is the linking . . . the linking factor because reason is not a particularly useful faculty if it's not leading to something. And faith is not a particularly useful faculty if it doesn't shape one's behavior in ways that make one less likely to . . . As Thomas Jefferson once said, makes ones less likely to "pick someone's pocket or break their arm."
Recorded on: 7/3/07


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For 4TH year--NO GOD in Obama's Thanksgiving Address--FIRST PRESIDENT TO OMIT GOD--Here's what other presidents have said on Thanksging
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I'm just gonna be honest with you guys. This is a conspiracy web-site, and for those of us who are SERIOUSLY interested in seeking truth......we don't sit here and make threads bashing Obama, or talk about how terrible Obama is.
If you actually did your HOMEWORK, instead of just complaining about things, you would realize that it is all a part of a PLAN. Obama is doing his part, which he was GROOMED for many, many years ago. Just like George W Bush did his part, Clinton before him, and all the rest before him.
It just shows the rest of us how ignorant you actually are, when you guys sit here and bash Obama. He is just following the script. When he is done, the next bobble head will go into office, and do HIS part to bring about the New World Order.
Anonymous Coward 801546
If there is a next person to go into office. I believe we are at the end the age of man, i.e. Biblically speaking
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PIE: Pare, core and slice apples, and put in pie plate. Mix flour and brown sugar, then add margarine and mix until crumbly. Sprinkle this mixture over apples and bake at 350 deg. for about 30 min. or until apples are done. Serve warm with Cinnamon Ice Cream. CINNAMON ICE CREAM: Whip the cream, add sugar and cinnamon. Soften ice cream; add cinnamon mixture and whip. If desired, add cinnamon candy. Freeze. Gasparilla Cookbook
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I have a 2000 dodge ram 4wd truck with 92k miles on it. It has a 5.9L V8 and an automatic.
I needed to replace the front rotors and have tried parts from EBC and PEP Boys premium brand. In each case there is a 0, 03 to 0.04 interference between the hub outer dimension (at it's widest point) and the recess in the rotor.
Does anyone have any ideas or have had any similar experiences.
Saturday, July 21st, 2007 AT 8:04 PM


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About Us
Since 1976, Northwest Youth Services has been the doorway to safety and the pathway to progress for thousands of young lives. Much has changed in our communities in the past 40 years. What has not changed is our commitment to supporting the uniqueness of each youth served.
For runaway, homeless, "throw-away", abused, neglected and other at-risk youth and young adults, we are their lifeline. Throughout the years, Northwest Youth Services has specialized in helping young people who have been marginalized in our society. We believe in the inherent dignity of each young person we serve.
NWYS Vision
Our vision is that all young people have a place to belong: to be safe, heard, and valued.
NWYS Mission Statement
Northwest Youth Services collaborates with at-risk, runaway and homeless youth to foster self-reliance.


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We have moved from vBulletin to XenForo and you are viewing the site in the middle of the move. Though the functional aspect of everything is working fine, we are still working on other changes including the new design on Xenforo.Dismiss Notice
Imaging Hard Drive? (Windows XP)
Discussion in 'Windows' started by the_chief, Sep 1, 2010.


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Today's Devotional
True FellowshipWhat comes to your mind when you hear the word fellowship?
Let's Make ItFacebook official!
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The Spirit of the Lord GOD is on Me, because the LORD has anointed Me to bring good news to the poor. He has sent Me to heal the brokenhearted, to proclaim liberty to the captives, and freedom to the prisoners; to proclaim the year of the LORD's favor, and the day of our God's vengeance; to comfort all who mourn.


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House Speaker Says Congress May Not Act On Immigration Reform, No Matter What Obama Does
CREDIT: youtube.com
House Speaker John Boehner (R-OH) told reporters Thursday that he wouldn't guarantee a House floor vote on immigration reform, even if President Obama held back on taking executive action. Boehner added that the "flood of kids" from Central America who came across the border in increasing numbers this year ruined the immigration debate entirely.
"What held us back last year was a flood of kids coming to the border because of the actions that the President had already taken," Boehner said, disagreeing with a reporter assessment that conservative members may have "yanked" him back from passing immigration reform. "But let me tell you what. American people from the right to the left started to look at this issue in a very different way. That's why I made it clear — the President if he continues down this path to taking action his year, is inviting big trouble… I could regale you with all of my challenges with trying to get both members on both sides of the aisle to deal with this. And they were numerous, but hope springs eternal."
Boehner's statement Thursday contradicts another one he previously made — that he would act only if Obama promised not to take executive action. Obama had "paused his ongoing review of deportation policy" in April after Boehner indicated that the House would take action, Vox said. But when he didn't, the president resumed the review in June.
On Wednesday, Obama recommitted to taking executive action by the end of this year to fill the void House Republicans left when they failed to bring an immigration reform bill to the House floor, despite his waiting on them to do so. While some claim that making such a move could ruin any chances of passing permanent legislation through Congress, Boehner's statement suggests these claims were nothing more than the latest excuse not to pass any bills. In fact, Boehner encouraged the president to take executive action to fix the border situation with unaccompanied children fleeing violence in Central America back in July.
Even before children crossed the border in larger numbers this summer, Latin America kids had been showing up at the southern border in large numbers for the past four years. Some studies found that many of these kids came because they are fleeing violence, not because of they believe they will receive an immigration benefit.
President Obama has said again and again that kids who cross the border may get sent back, if they survive the journey at all. But he also said after this election this week that enforcement resources may be "misallocated" to "separating families right now that most of us, most Americans would say probably we'd rather have them just pay their back taxes, pay a fine, learn English, get to the back of the line, but we'll give you a pathway where you can be legal in this country." And he recommitted to take executive action before the end of the year to fix what he can, whatever the House reaction.


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Fans got another good look at the future yesterday and perhaps even an early view of a 2014 Hong Kong Derby contender when the John Moore-trained three-year-old Able Friend produced one of the most impressive debut performances of the season, despite having had acclimatisation issues.
Six days earlier, a hard-fit youngster Bobo Dragon scorched around Sha Tin's 1,200m course like a Group horse for next season and Able Friend (Tommy Berry) just about matched that on the clock but in an entirely different circumstances.
"I had a big opinion of the horse but wasn't expecting anything like first start," said Moore after Able Friend spread-eagled the field in his Class Three debut. "He's had the two trials but he has done it pretty tough and came back after his trials and blew the house down.
"And it hasn't been so much a fitness issue with him, he just couldn't get enough air into his lungs. He's a big horse, with a big set of lungs and the heat and humidity makes it hard for him to fill his lungs when he isn't used to it. Especially here at Sha Tin, where we're in a valley and the air can be stifling. He did it pretty tough after his last trial so I backed off and gave him a light workload into this."
An impressive winner at Wyong just outside Sydney at his second start in Australia, Able Friend was yet another success for the close association Moore enjoys with Australian Hall Of Fame trainer John Hawkes and his sons, who also did the early work with exciting Flagship Shine and Secret Sham.
Berry said he had gone to the race expecting Able Friend to run well off his work, but the manner of his win was spectacular.
"I just questioned whether he'd be wound up enough for his first run because John doesn't like to push them too hard when they first get here," he said. "But when I galloped him the other day, when John put the winkers on, he made me confident. He ran right through the end of the work, and he's a big, robust boy, he felt like a nice horse."
Moore had hoped to run Able Friend again before the season closes out, but the ease of the victory might ensure the opportunity won't exist to do so.
"I'd say that win might take him out of the grade and there may not be a suitable race available in the programme," said Moore. "I did want to step him up to 1,400m for the next one, so I'll have a look and see what options there are, but there might not be any."


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|Lionel Farbos <lionel.far...@free.fr>
|Re: Where to put version information in war file?
|Thu, 12 May 2005 11:32:40 GMT
On Wed, 11 May 2005 15:03:37 -0400 Henri Dupre <firstname.lastname@example.com> wrote: > I was wondering what is the best place to put version information in a war file? > I'd like to put a build version and date at built time to my > application and have a way to retrieve them from the servlets. > > I'm used to add the META-INF Implementation-version tag with jar files > but with Tomcat war files it doesn't work. Are there other > "standard" places where to put version information? > > Henri. > Hi, I use this mecanism and it works. I put version information in the META-INF/MANIFEST.MF of the war, then thanks to getServletContext().getResource("/META-INF/MANIFEST.MF"), you can get this file and parse it. Regards. --------------------------------------------------------------------- To unsubscribe, e-mail: email@example.com For additional commands, e-mail: firstname.lastname@example.com
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About the Freedmen's Bureau Project
To help bring thousands of records to light, the Freedmen's Bureau Project was created as a set of partnerships between FamilySearch International and the National Archives and Records Administration (NARA), the Smithsonian National Museum of African American History and Culture, the Afro-American Historical and Genealogical Society (AAHGS), and the California African American Museum.
Tens of thousands of volunteers are needed to make these records searchable online. No specific time commitment is required, and anyone may participate. Volunteers simply log on, pull up as many scanned documents as they like, and enter the names and dates into the fields provided. Once published, information for millions of African Americans will be accessible, allowing families to build their family trees and connect with their ancestors.
Taken from http://www.discoverfreedmen.org/


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"Helping Today for a Cure Tomorrow"
The 2016 NAF Annual Membership Drive
Membership plays a crucial role in sustaining NAF's ability to continue to provide meaningful programs and services for Ataxia families. As a member, you provide those with Ataxia a better life today and hope for a brighter tomorrow. NAF is a membership supported nonprofit organization dedicated to serving Ataxia families. We are grateful for the support of our members and welcome others to also join.
As a thank you for being a valued member, you will receive discounts in attending the next Annual Ataxia Conference as well as a subscription to the NAF's in-depth quarterly Ataxia news publication, Generations.
Be part of the future…become a member today! Please ask your friends, family, co-workers, and neighbors to also become members. Thank you!
Become A Member
Letter From the President
Recurring Gift Membership
Charity Navigator Awards NAF Four-Star Rating
Charity Navigator, America's premier charity evaluator, has announced that the National Ataxia Foundation received a four out of four star rating. This is the fourth consecutive year NAF has received this exceptional four-star rating.
"NAF's coveted 4-star rating puts it in a very select group of high-performing charities," according to Michael Thatcher, President & CEO of Charity Navigator. "Out of the thousands of nonprofits Charity Navigator evaluates, only one out of four earns 4 stars -- a rating that demands rigor, responsibility and commitment to openness. NAF's supporters should feel much more confident that their hard-earned dollars are being used efficiently and responsibly when it acquires such a high rating."
Member Stories
NAF would like to invite members to share their story to let others know that they are not alone and increase Ataxia awareness. NAF would like to extend a huge thank you to our members that have so generously shared their story. Share your member story by email to email@example.com. Member Stories can be read on the Member Stories Page.
| David Henry Jr.
| DeCresenzo Family
| Mary Fuchs
| Michelle DeCiantis
2016 NAF Award Recipients
Congratulations to you all!
| Michael Cammer
| Jane Jaffe
| Charlotte DePew
| Harry Orr PhD
Ataxia Research Studies Awarded
Funding for FY 2016
The National Ataxia Foundation (NAF) is pleased to announce that 20 promising ataxia research studies from the United States, Italy, Canada, United Kingdom, France and Portugal were awarded funding at the December 2015 NAF Board of Directors meeting for fiscal year 2016.
A listing and summaries of these studies are now available on the Foundation's web site: Here...


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Written On : 25-Nov-2013 Author : AD Member Level : Silver Category : CDSE question papers Points : 20
About to appear in Combined Defence Services Examination and looking for previous question papers with answer key? CDS exam I 2013 was held on 10th February 2013. Check out CDS Exam I 2013 question paper and answer key of English paper here.
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Dallas Says "Eat Me"
You love Dallas. You value Dallas. You enjoy Dallas. Now, don't you want to Savor Dallas? Get your chance from Thursday, March 29 through Saturday, March 31 as the 8th annual Savor Dallas festival celebrates the city's food, wine, spirits and arts with a variety of events. Friday's menu includes a wine beer and spirit tasting — with nibbles — in the Arts District starting at 5 p.m. and Sips & Sounds featuring live music, food and drink at the Kessler Theater, 1230 W. Davis St. at 8 p.m. Other highlights from the three day fest include wine and cheese pairings at the Mansion on Turtle Creek and a lunch with Les Dames D'Escoffier among loads events that will allow you to sample the Dallas cuisine. Still hungry? Seminars offer even more in-depth info from culinary experts near and far. Visit savordallas.com for detailed schedule information and to purchase tickets (available in packages and for individual events).
Thursdays-Saturdays. Starts: March 29. Continues through March 31, 2012
Get the Things to Do Newsletter
Sign up for our weekly guide to events in Dallas, and never be bored again. With suggestions for every day of the week, our recommendations will keep you busy on any budget.
Related Location
1230 W. Davis St.
Dallas, TX 75208
Upcoming Events
Mesquite Championship Rodeo
TicketsSat., Jul. 23, 7:30pm
- Gabriel Iglesias
- Julion Alvarez
- Stockyards Championship Rodeo
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STARmeterSEE RANK
Up 25,293 this week
Simon Slater (II)
Simon Slater was born on March 29, 1965 in London, England. He is known for his work on The Return of the Psammead (1993), The Tottenham Theologian (1996) and Who Mourns for Elfreda Jarrett? (2003). He has been married to Veronica Slater since August 1, 1998. They have one child. See full bio »
Born:in London, England, UK


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UPDATE. Shes here! We are in love already. Very fast birth but will fill you in later. Born at 1230am, 2nd november nz time. Didnt get my water birth as aubrey was in a hurry to meet us.
Well ladies, looks like Aubrey will be here in a couple of hours time. I am currently 7-8cm dilated and heading to the birth center shortly. Keep a look out on facebook for an update!


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Realism and Anti-Realism in the Philosophy of Science / Edition 1by Robert S. Cohen
View All Available Formats & Editions
Pub. Date: 12/09/2010
Publisher: Springer Netherlands
In these papers derived from an international conference held in 1992 in Beijing, Chinese and Western philosophers treat current as well as historically situated issues of realism and anti-realism in the understanding of scientific knowledge. There are four sections: (1) philosophical arguments proper (Hilpinen, Krejci, Musgrave, Niiniluoto, Qiu Renzong,
In these papers derived from an international conference held in 1992 in Beijing, Chinese and Western philosophers treat current as well as historically situated issues of realism and anti-realism in the understanding of scientific knowledge. There are four sections: (1) philosophical arguments proper (Hilpinen, Krejci, Musgrave, Niiniluoto, Qiu Renzong, Sfendoni-Mentzou, Bahm, Wallner and Peschl); (2) realism and general methodology (James Brown, Franklin, Gavroglu, Kaiser, Chin-Tai Kim, Wartofsky, Watkins, Wright, Wu Qiongbing, Yin Zhengkun); (3) physical sciences (Fan Dainian, Folse, He Zuoxiu, Hong Dingguo, Jin Wulun, Johansson, Li Li, Luo and Hu, Mao Shiying, Schagrin, Schlagel, Zhou Jihong); (4) social and biological sciences (Mäki, Shanahan, Paul Tang and Ralph Brown III, Cohen). The conference was inspired by the late Professor Tscha Hung of Beijing, for many years Director of the Institute of Foreign Philosophy at Beijing University, and a distinguished PhD from the University of Vienna in 1934 under Moritz Schlick.
Product Details
- 9789048144938
- Publisher:
- Springer Netherlands
- Publication date:
- 12/09/2010
- Series:
- Boston Studies in the Philosophy and History of Science Series, #169
- Edition description:
- Softcover reprint of hardcover 1st ed. 1996
- Pages:
- 495
- Product dimensions:
- 5.98(w) x 8.78(h) x 0.24(d)
Table of ContentsPreface. Recollections about Tscha Hung; R.S. Cohen. Hong Qian (Tscha Hung) and the Vienna Circle; Fan Dainian. Philosophical Arguments. On Some Formulations of Realism, or How Many Objects are there in the World? R. Hilpinen. Dissolution of the Realism/Antirealism Problem; R. Krejci. Realism, Truth and Objectivity; A. Musgrave. Queries about Internal Realism; I. Niiniluoto. How to Know what Rises up is the Moon? On the Concept of Realism and the Irrelevancy of Quantum Mechanics to the Debate on Realism vs. Antirealism; Qiu Renzong. The Reality of Thirdness - a Potential-Pragmatic Account of Laws of Nature; D. Sfendoni-Mentzou. Tentative Realism; A.J. Bahm. Cognitive Science - an Experiment in Constructive Realism; Constructive Realism - an Experiment in Cognitive Science; F. Wallner, M.F. Peschl. Realism and General Methodology. Phenomena; J.R. Brown. There are No Antirealists in the Laboratory; A. Franklin. Can Theories of Chemistry Provide an Argument Against Realism? K. Gavroglu. Empirical versus Theoretical Progress in Science; M. Kaiser. Science as Ideology; Chin-Tai Kim. Three Stages of Constitution: Historical Changes in the Ontological Status of the Scientific Object; M.W. Wartofsky. Is Natural Science Free from Morality? Wu Qiongbing. Truth and Fiction in Scientific Theory; Yin Zhengkun. Physical Sciences. Niels Bohr and Realism; Fan Dainian. The Bohr-Einstein Debate and the Philosophers' Debate over Realism versus Antirealism; H.J. Folse. On the Einstein, Podolsky and Rosen Paradox and the Relevant Philosophical Problems; He Zuoxiu. On the Neutral Status of QM in the Dispute of Realism vs. Anti-Realism; Hong Dingguo. Double Structure of Tao Reality; Hin Wulun. Realism and Wave-Particle Duality; L.-G. Johansson. Van Fraassen's Constructive Empiricism &endash; a Critique; L.-G. Johansson. On Complementarity Reality; Li Li. A Realistic Interpretation of Quantum Mechanics; Mao Shiying. Rumford's Experiments on the Materiality of Light &endash; More Heat than Light; M.L. Schagrin. Resolving the Realist&endash;Antirealism Dilemma; R.H. Schlagel. The Mathematicalized Practical Attitude; Zhou Jihong. Social and Biological Sciences. Scientific Realism and Some Peculiarities of Economics; U. Maki. Realism and Antirealism in Evolutionary Biology; T. Shanahan. Anti-Realism and the Complementarity Model of Mind&endash;Brain; P.C.L. Tang, R.W. Brown III. On Realism in History; R.S. Cohen. Index of Names.
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