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At Layla Grayce, we stand behind the quality of our products and gladly accept any eligible returns or exchanges within 30 days of purchase. Items must be returned unused and in the original packaging.
For further assistance, click to view our returns/exchanges policy page or feel free to send our customer service team an email at firstname.lastname@example.com. We're always happy to assist!
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Tennessee athletic director Dave Hart said Derek Dooley improved Tennessee football during his three-year tenure as the Volunteers' coach — just not enough to keep the job.
Dooley, 44, was fired Sunday after posting a 15-21 record that lacked wins over ranked opponents and Southeastern Conference foes. Dooley was 4-19 in SEC games and 0-15 against Top 25 teams. Tennessee (4-7, 0-7 SEC) is 1-14 in the SEC over the last two years.
More on this story in Monday's print edition of The Oak Ridger.
Location, ST | website.com


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Cyclone Nation, do not miss out on this chance to become a part of Iowa State tradition! The team's entrance onto the field is arguably the most exciting part of game day and you can get in on the fun during Iowa State's Homecoming matchup against TCU on Saturday, November 9th. This package gives the winning bidder and a guest two sideline passes, two game day programs and the opportunity to participate in the Cyclones grand entrance onto the field. Kickoff time has not been announced at the time of this posting. Due to NCAA and Iowa State University policy, the winning bidder and guest must be at least 18 years of age and not enrolled in high school. Minimum bid and increments apply.
Auction Disclaimer:
Due to NCAA Rules, any student in grades 9-12 or Junior College, are not eligible to participate as a bidder, an auction item winner or guest of the winner.
Winning bidder and guest must be an Iowa State fan and supporter and must dress and act accordingly and in a professional and courteous manner while participating in this Experience. At the sole discretion of the Athletic Department, if at any time during the Experience the winning bidder or guest is not acting in a professional and courteous manner, Iowa State Athletics may end the Experience and no refund or additional services will be offered to the winning bidder whether or not the entire experience was completed. Winning bidder and guest may be required to sign and indemnification waiver prior to participating.
Iowa State University reserves the right to cancel any auction bid which is deemed to interfere with the auction itself or the event associated with the item. Should the winning bidder provide false information or act inappropriately, the bidder will forfeit his or her right to participate and his or her bid amount will not be reimbursed. The intent of this auction is to provide unique opportunities and keepsakes for alumni, fans, and supporters of Iowa State University.
By submitting my bid, I confirm my knowledge of the NCAA rules and regulations pertaining to this request and agree to abide by all said guidelines. I understand that ISU reserves the right to request the return of the memorabilia or autographed item when guidelines are not followed.


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How To Avoid Cowboy Builders
If you are thinking of having some building work done on your property, you will also be thinking about appointing a builder to do the work. Choosing a quality contractor to build a new extension or do internal alterations is very important. Everyone has heard horror stories about "cowboy builders" and the havoc they cause.
Always endeavour to use builders or tradesmen who are members of trade associations. There are no guarantees about the quality of their work but most should be reputable. These associations carry out checks on the builders before they gain membership status, therefore minimising the risk of choosing a "cowboy builder". All the associations have a code of conduct that members adhere to. There are a number of Builders Trade Associations, the following are the most common.
Quality Mark builders, Federation of Master Builders, National Federation of Builders
Links to these associations can be found on ourUseful Links Page
A Message from Catherine Hendrick, the Evening Mail's Consumer Editor.
"We've heard so many heartbreaking stories at the Evening Mail from people who've been conned by cowboys. Families have even handed over their hard-earned life-savings to rogue traders - only for them never to finish the work they've paid for.
Some cowboys have done such a shoddy job that their victims have had to find thousands of pounds to pay someone else to put things right. But despite the horror stories there are good builders out there. People just need to do their homework first and that's where organisations like the Building Consultancy come in. We're keen to help them, help you to root out the rogues and let Birmingham's honest, hard-working builders prove they're the best for the job".
Ask the builder for references and names of previous customers, try and speak to them and look at the work if possible
Get written quotes from two or three different builders
Ask for work to be covered by an insurance-backed warranty
Be clear about what you want done and ask for a written specification and quotation
Agree any staged and final payments before work starts
Avoid adding to the job or changing your mind halfway through, this leads to delays and extra costs
Avoid dealing in cash
If problems arise, speak to the builder straightaway: use the trade associations mediation and arbitration service if necessary
Look for a trade association member
If your work is complex ensure you commission a comprehensive set of building plans and specification, this will further cement the contract between you and your builder
Many architects/agents will also provide a site supervision service if required
Never pay for your work in advance of it being carried out
Building Standard Contract Ts 0804.Pdf (Size: 32.6 Kb Type: PDF )
Copyright: Copyright Restricted
BCC Cowboy Leaflet 5443.Pdf (Size: 408 Kb Type: PDF )
Copyright: Copyright Restricted


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Fresca FAC1409 Chrome Ellite Wall Mounted Rectangular Soap Basket
Offer Ends
Technical Specs
|Product Weight
Ellite Wall Mounted Rectangular Soap Basket
All of our Fresca bathroom accessories are made with brass with a triple chrome finish and have been chosen to compliment our other line of products including our vanities, faucets, shower panels and toilets. They are imported and selected for their modern, cutting edge designs.
- Heavy Duty Brass with Triple Chrome Finish
- Dimensions: 4.75"W x 4.25"D x 1"H
Additional Fresca Links
Our SKU: FAC1409
This product is listed under the following manufacturer number(s):
- Brushed Nickel
- Chrome
*Denotes a finish or option that has been discontinued
Product Reviews
Fresca Ellite Collection
Other Products In The Fresca Ellite Collection
Fresca FAC1405
Ellite Wall Mounted Rectangular Soap Basket$78.80-$78.80
Fresca FAC1401
Ellite Single Hook Robe Hook$28.49-$32.83(1)
Fresca FAC1458
Ellite 4" Wall Mounted Toothbrush Holder$79.69-$91.67
Fresca FAC1403
Ellite Wall Mounted Round Soap Dish$43.35-$49.85
Fresca FAC1426
Ellite Single Bar Wall Mounted Tissue Holder$70.64-$81.22
Warranty Info
Fresca Limited Lifetime Faucet Warranty
Fresca products are manufactured under the highest quality and workmanship. The limited lifetime warranty covers the original consumer purchaser for as long as the original consumer purchaser owns their home, warranting that this faucet will be leak-free during normal use and all parts and finishes of same will be free from defects in material and manufacturing workmanship. All other purchasers for industrial, commercial or business use are warranted for a period of five (5) years from the original date of purchase.
If, under normal use and after proper installation, this faucet should ever leak or drip during the warranty period, Fresca will provide FREE OF CHARGE the parts necessary to restore the faucet to good working condition, and will replace FREE OF CHARGE any part or finish that proves defective in material and manufacturing workmanship. A proof of purchase, such as a receipt from the original retailer, will be required for all warranty claims. Defects or damage caused by non-Fresca parts will void this warranty. This warranty is valid only for faucets purchased after June 1, 2015. All faucets purchased prior to June 1, 2015 will be covered under our previous three (3) year warranty.
This warranty covers the replacement of all defective parts and finishes. However, damage due to installation error, product abuse or misuse, or use of cleaners containing abrasives, alcohol or other organic solvents, whether performed by a contractor, service company, or yourself, are excluded from this warranty. Fresca will not be responsible for labor charges and/or damage incurred in the installation, repair or replacement of this faucet. Furthermore, Fresca shall not be responsible for any indirect, incidental or consequential damages, losses, injury or costs of any nature relating to this faucet. Except as provided by law, this warranty is in lieu of and excludes all other warranties, conditions and guarantees, whether expressed or implied, statutory or otherwise, including without restriction those of merchantability or of fitness for use.
Depending on the jurisdiction, some states, provinces and countries do not allow the exclusion or limitation of incidental or consequential damages, so the above limitations or exclusions may not apply to you. This warranty gives you specific legal rights and you may also have other rights which vary from state to state, province to province, country to country. Fresca will supply proper instructions on making warranty claims. Simply call Fresca at 800-514-2143 or email: firstname.lastname@example.com to start the warranty process.


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Here you can choose, whether you want to book a Oneway or Return flight. In case you select "Oneway" the filed to enter the return date will disappear automatically.
Please select the option "Lowest Fare". If you choose "Exact Date" there will be more flight options shown. However the lowest fare for your selection will also be displayed.
Please enter the city or airport name of your departure destination. You can also enter the 3-Letter-Code. For assistance with city and airport names you can also use our Airport-Atlas.
Please enter the city or airport name of your arrival destination. You can also enter the 3-Letter-Code. For assistance with city and airport names you can also use our "Airports"-Link.
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Please choose the number of passengers you want to book for this flight(s). One or more children have to be accompanied by at least one adult. In case you wish to book a flight for an unaccompanied minor please contact our reservation office. Each infant has to be accompanied by at least one adult. If one adult is travelling with 2 or more infants then the second ans further infants can be booked as a child. Passengers younger than 2 years are considered as infants, passengers between 2 and 11 years are considered as child and passengers equal or older than 12 years are consideres as adult.Please note, that the age limits are determined by the date of your return flight.
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LOUISVILLE, Ky. (AP) — The Speed Art Museum has named a new director.
The Courier-Journal (http://cjky.it/11N1KLJ) reports Ghislain D'Humieres (ghis-LAHN' d'hyoom'-e'-EHRZ') will begin in the position on Sept. 3. D'Humieres is currently the director of the Fred Jones Museum of Art in Oklahoma.
He becomes the sixth director for Kentucky's largest art museum, which was founded in 1942 in Louisville.
The facility has a $4 million budget and 43 employees.
Location, ST | website.com


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A collection of responses to pickup lines, and just bad ones in general!
We've just released huge update to the iOS app! Now, access all your favorite text and photo sites like Anti-Joke, DIYLOL! A few things didn't make the original cut (like comments) but they'll be back soon. Best of all, the app is now FREE! Get it here.
"I don't know why we became clarksonisms, Think your fancy HUH.."
via: Clarksonisms
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"The power to vote on useless superpowers."
"My butthole itches, so I fart to scratch it.."
©2008-2014 Anti-Pickup Line. All rights reserved.
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Playing tennis for one hour burns about 600 calories, making it an effective workout on par with jogging or an indoor cycling class. Plus, it challenges your mind. Whether you're new to tennis or a veteran player, use our resource to tennis lessons, camps or tournaments near you.
Tennis Activities Near
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We solicit your anonymous assistance. If you have any information that may lead to the arrest of the perpetrators of these or any other crimes, Crime Stoppers will pay a cash reward of up to $10,000. Rewards must be collected within 90 days of being approved. Please call Crime Stoppers at (209) 946-0600 or visit stocktongov.com/crimestoppers.
Homicide victim
Police are seeking information on the murder of Bernardo Gutierrez, 18, who was shot to death in front of his home in the 2600 block of South Lincoln Street in Stockton shortly after 5 p.m. Dec. 9. The shooter's vehicle was described as a black sport utility vehicle with chrome rims. Anyone with information is asked to call Detective Joseph Martin or Detective Brian Fry of the Stockton Police Department at (209) 937-8323.
Police are seeking Curtis Brown, 23, who officers said injured a bystander and fought with a security guard after trying to steal from a pharmacy on North Wilson Way in Stockton shortly before 4:30 p.m. Jan. 15. He also has an outstanding misdemeanor warrant on suspicion of obstructing an officer. Brown is described as a black man standing 6 feet 3 inches tall and weighing 175 pounds with black hair and brown eyes. Anyone with information is asked to call Detective Kevin Duffy of the Stockton Police Department at (209) 937-8323.
Police are seeking three men who beat and seriously injured a 7-Eleven employee who tried to stop them from stealing items from the store about 3 a.m. Nov. 26 in the 7600 block of Pacific Avenue. They were described as being 18 to 25 years old, standing 5 feet 8 inches to 6 feet tall and weighing 150 to 200 pounds. They fled the scene in a small white vehicle.
Location, ST | website.com


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Current Time 2:14:54pm
Z. Daniel Barnett
Z. Daniel Barnett joined the AVC News team in 2011, since which time he has strived to bring timely, impartial coverage to AVC's six stations each and every weekday morning. An AP-award winning journalist and editor, he currently serves as AVC Communications' news director.
Early in his career, Daniel delivered news of the infamous Zanesville exotic animal escape in October 2011 to listeners at home and "across the Pond" as a featured reporter on BBC's PM with Eddie Mair; braved the elements to broadcast up-to-the-minute information during the severe summer storms of 2012; and followed the court proceedings of six suspects connected to the Coventry Estates double homicide of June 2012.
Since then, Daniel has also served as AVC's chief political reporter. He followed the debate over Common Core legislation at the Ohio Statehouse; interviewed state and national politicians, such as Sens. Sherrod Brown and Rob Portman, Attorney General Mike DeWine and former Gov. Ted Strickland; and followed Gov. John Kasich's presidential campaign to its end during the primaries before covering Donald Trump's nomination at the Republican National Convention in Cleveland.
On a day-to-day basis, Daniel's reporting focus is on crime and the courts, education, local and state government and shale energy.
While at AVC, Daniel has expanded coverage of local elections as organizer and moderator of the bi-annual Meet the Candidates forum. He also serves as Arts and Culture Correspondant and occassional host of Talk of the Town on Cambridge Community TV2.
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text:
I'm Ashley (McMillan) Weightman. I grew up in the small town of Wimbledon, North Dakota. In 2005 I moved to Bismarck to go to school where I graduated from the University of Mary with a Bachelors Degree in Communications and Business. I began working at the CBS affiliate as a reporter while in college and spent three years there. From CBS, I moved to Devils Lake to work at WDAZ-TV for a year, before continuing to work at WDAZ in Grand Forks. I married the love of my life Travis on June 23, 2012 and we now live in Bismarck with our three year old son, Corbin. Travis works at KXMB-TV and I at KLJ Engineering and attend Rasmussen College where I'm pursing a Bachelors Degree in Human Resources Management and Organizational Leadership.
Weight has been a struggle for me since I can remember. I do well for a while and then fall off the wagon. Four years ago I lost nearly 50lbs and was doing great. Two months after maintaining my weight, I found out that I was pregnant and gained 70lbs in nine months. I figured after I had Corbin, some of the pounds would fall off. Corbin weight 8lbs 12oz and I only lost 3lbs. Ever since December of 2009, I've been doing fad diets for about a month, trying the gym on and off, and eat healthy and nothing seems to be working. I've recently had some health issues and my doctor told me that in order to have more children and be a part of my children's life, I need to lose weight, but most importantly, I need to do it for me.
So many events that we go to serve some sort of food? Is it possiblt to change that?
On New Years Eve we went out for supper. Red Lobster. It was great! Later that night we got a call that my husbands grandfather was not going to make it through the night. We went right to the nursing home and they offered us food. Food, to me, is comforting in a time of need so of course I took it, that and I had a hungry three year old.
Ed ended up passing away at 9:03pm. We got home around 11:44, just before midnight. So, what did we do to ring in the New Year? We ate ice cream with lots of toppings. I can't say it helped me feel better about anything, possibly worse than before knowing that I had eaten it and didn't need to.
We went to Beach for the wake and funeral this weekend and at both, of course, there was lots of food served. Bars, cookies, salads, and every other Catholic Church Ladies Alter Society food you could think of.
As I sat there I thought to myself, "is this really what I need right now?" I'll be the first to admit, I'm an emotional eater and I love food. However, I need to make a change. I haven't made a New Years Resolution yet, so maybe that could be one of them.
In 2013, I resolve to change my emotional eating.
What are some of your New Years Resolutions?


text:
Men's Under Armour Micro Print 10 Inch Training Shorts
Buy Online & Pick Up In-Store
Get ready for action in the light and loose Under Armour Micro Print Short. These ultra-breathable shorts are made of HeatGear fabric, making them perfect for long workouts.These shorts are long on performance, utilizing signature UA Moisture Transport System to wick away sweat and dry fast, as well as 4-Way Stretch for the ultimate in mobility. The covered elastic waistband with internal drawcord ensures you get a perfect fit, while the mesh hand pockets store your stuff.
Deliver a powerhouse performance without restrictions in the ultra-comfortable Under Armour Micro Print Shorts.
- FABRIC:Polyester with 4-Way Stretch and Moisture Transport System
- FIT: Loose, 10" inseam
- CARE: Machine wash


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The World's Largest Supplier of Firearms Parts and Accessories ®
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Wambui Mungai received a BA (Honors) from York University, a LLB from the University of Ottawa and an LLM from The George Washington University Law School. While at the University of Ottawa, she served as the president of the Black Law Students Association, volunteered as an intake clerk for the University of Ottawa Community Legal Clinic, as well as taught legal issues concerning sexual assault and equity, which included an exploration of the constitution, at several middle-schools.
Mungai began her legal career at a private practice criminal law firm where she specialized in litigation. Her professional experience has consisted of litigation, advocacy, alternative dispute resolution, and policy reform in many areas of law. Most recently, Mungai works in the area of international law specifically dealing with issues concerning human rights and diplomatic relations.
Mungai is an adjunct professor and teaches the legal environment of business in George Mason's School of Business.


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Balanced Recruitment
Category: Design Associations, Other Design Fields, Resources / Educational,
Posted by: Jen
Posted: Jul 26th 2011
No. of comments: 0
Posted: Jul 26th 2011
No. of comments: 0
Balanced BIB offers recruitment, employment and human resources services in the design, construction and architecture industries Australia-wide. Although the roles aren't necessarily design roles, many of the positions would be great for part-time students keen to get involved in the industry whilst studying.


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Hi, I am Danny Batson (Knouse) and I am a lifelong resident of the Chillicothe area. I was born in 1951 and graduated from CHS in 1969. I took over my dad's septic tank business that he founded in 1937. While I have been in every state (except Hawaii and Maine), there is no place like home! I love taking pictures of old and unusual things and sharing them. There is beauty in everything, if we look for it. I have three Facebook pages filled with local pictures that may be of interest: "Where Has Danny Been," Chillicothe Now," and "Danny Batson".
Hi, I am Gary Thomas and I was born just across from Central School in 1942. I graduated from CHS in 1960 and MU in 1964. After two years in Army, I completed a graduate degree at the University of Chicago in 1970. After working in software development for more than 40 years, I retired from Raytheon in 2007. I have an abiding interest in history and in researching past events, places, and people. My latest project is developing a history-based chronology for Livingston County from 1801-2000.
Danny will start out with several articles that he has previewed on our Facebook Group entitled Chillicothe Missouri Remember When. All together we did 50 in eight months before the blogging software was reworked in August, all posts should be restored in the coming days from the archives.
As before, DB writes a lot of good personal stories about the good old days and I post them. Once in awhile, I will post something related to my latest local history project. I am inclined to feed it in smaller doses than before to hopefully improve feedback.
I have found some interesting stuff about old Judge Joe Slagle and and his place in our history. It is entirely possible that Joe was one of the first students at the University of Virginia at about 15 years of age. He may have sat in the parlor of the founder of this school on a typical Sunday afternoon after church. Thomas Jefferson opened his home to his small band of students often. The U. of Va. was no more than 25 miles from the Slagle farm and mill. It appears that Joe attended UVA until about 1827 when his father George passed away. Then his story really gets interesting....He was said to have received an education by no means limited per our Livingston County 1886 history. But, they got the name of the school wrong. I plan to set a lot of context going through his story. It helped me understand better what life was like in our tiny frontier town of Chillicothe in the 1840's and 1850's.
I am also accepting and will consider chronciling any related stories from our readership that they would like to share about strange "goings on" around the Slagle Mill and Cemetery. These stories ideally should be first person accounts; I already have a very good one to share from Susan Gash, a Facebook friend (see below).
The readership response mechanism for this new software is more user friendly than before. So hopefully we can have more dialogue on what we post. We are looking forward to hearing from you.
We have issues to resolve regarding picture inclusion and chopping off text in some fields, but stay tuned and bear with us. GT
-------------------------"My Slagle Mill Story" by Susan Gash -----------------------
Hello, Mr. Thomas. I have a Slagle's Mill story to share. This was back in the early 1980's. Usually, my friends and I hung out at Gully Lanes playing the arcade games or shooting pool. One weekend night during the summer, we were bored and someone mentioned Slagle's Mill. So we hopped into our cars and headed out on Route V. The first thing we always noticed were the trees that lined the cemetery. The odd part being that the leaves hanging over the fence, toward the road, were brown and dead. While the leaves on the inside of the fence were green and healthy looking.
Naturally, we had to drive slowly over the old bridge with our windows rolled down, hoping to hear one of Old Man Slagle's wives scream. Rumor had it, you could hear one scream at the stroke of midnight. We were particularly brave this night and we parked our cars on the bridge and got out. Standing there was an eerie feeling, even though we didn't hear any screaming.
One of my friends decided to explore the cemetery with her boyfriend. While walking through the cemetery, they came across a piece of tombstone that had fallen off of one of the grave markers. My friend thought it would be cool to take it home with her, so she picked it up and carried it back to her car, placing it inside of the trunk. Since it appeared to be an uneventful night, we all decided to head back into town.
When my friend tried to start her car, it wouldn't start. But the seat belt buzzer began to go off repeatedly. This was weird, since it had never worked before. When she bought her car, the seat belt buzzer didn't work. Her boyfriend started to investigate under the hood to find reason why the car would not start, yet the buzzer was working. Finally, my friend decided they needed to get the piece of tombstone out of their vehicle.
They took the piece of tombstone and placed it back into the cemetery where they had found it. When they returned to the car, the car started, but the seat belt buzzer continued to go off repeatedly. The buzzing continued as they drove toward the turn on Route V heading back into town.
The next day, my friend took her car to a garage where the mechanic inspected the vehicle. The only thing he found was that the seat belt buzzer wasn't hooked up. He said it would have been impossible for it to go off. That was not our last trip to Slagle's Mill. We enjoyed the adventure on numerous weekends when we were bored with playing arcade games or shooting pool.


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NEW and UPDATED EDITION: HOT OFF THE PRESS: Tapestries uncovers the unique patterns you weave in life. At a time of immense interest in biography, here is a unique set of keys to understanding the pattern and rhythms of your life. The unfolding life phases are presented as the warp of personal growth. You are invited to consider the shuttle of threads you use as the weft of your life story. Some of these threads are your temperament, gender, love, family, nationality, birth order, and unfolding relationships.
A vivid picture of adult growth is presented. You can follow twenty very different people's stories through each life phase, wondering what will happen next. You can consider how you would respond to the choices faced by these individuals. Included in the book are directions for making your own life map. Life's dilemmas are explored, for example that of career versus parenting, and the choices for old age. This opens up options to consider, which roads to take in life, and the encouragement to reflect.
Paperback, 337 pages.
Betty Staley draws on her rich life experience as a teacher of history and literature at the Sacramento Waldorf School. Rudolf Steiners' profound work on biography is integrated with current psychological research and feminist writing. She offers poems and stories to bring Tapestries alive. to Between Form and Freedom-Being a Teenager, and Adolescents as Sacred Passage are classics in parent discussion groups.
Of course, she is also my wonderful mother!!!
This book makes a wonderful gift for parents, grandparents, teachers, and friends! Added Bonus: When you order a book from us you will received a copy signed by Betty Staley!


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Elk Lighting Polished Nickel Contemporary / Modern 2 Light Table Lamp from the Tribeca Collection
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- 2 Light Table Lamp in Polished Nickel
- Requires 2 60W Medium Bulbs (Not Included)
- Dimensions: 24"H x 18"W x 9"D
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Elk Lighting
ELK Group International, Inc. ELK (www.elkgroupinternational.com) headquartered in the United States is a premier designer and importer of indoor and outdoor residential, designer and commercial lighting fixtures, decorative accessories and furniture. An award winning team of international designers and engineers ensure that each product is created with uncompromising detail and unparalleled design. The company founded in 1983 distributes over 5,000 products under ELK Lighting, Landmark Lighting, Sterling Industries, Baldinger, Dimond Lighting, Artistic Lighting, HGTV Home, Trump Home, Historic Royal Palaces, Biltmore Estates, and Mary Kate and Ashley brands. Products are available at a network of lighting and furniture showrooms, electrical wholesale distributors, department stores and specialty home improvement companies throughout the world.
Elk Lighting Tribeca Collection
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All fixtures and products sold by Elk Group International are warranted to be free from defects in materials and workmanship for a period of one year from date of invoice. Our warranty covers only replacement or repair at our factory or authorized repair facility of the defective part(s), to the original purchaser and excludes any responsibility for labor or freight expense incurred by the purchaser or others, for servicing such claim during the warranty period. Elk Group International reserves the right to issue credit, repair or replace defective merchandise, at our opinion, upon receipt of written notification by the purchaser of the alleged defect, within the warranty period. Elk Group International further reserves the right to examine the alleged defective product, or other proof, satisfactory to Elk Group International of the defect. This limited warranty is in lieu of all other warranties, expressed or implied. Elk Group International assumes no responsibility for labor costs in connection with the installation, removal or replacement of the warranted products, or for consequential damages. Elk Group International further reserves the right to refuse to honor the above warranty for any product(s) altered, improperly installed, or installed in an application for which it was not intended. All claims must include sales receipt showing the item and date of purchase.
xLive Product Expert


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Show Us Your Type
Category: Competitions, Design / Typography,
Posted by: Jen
Posted: Aug 16th 2011
No. of comments: 0
Posted: Aug 16th 2011
No. of comments: 0
One of our grads, Vendula, just fowarded this link to me (thanks Ven!)
Show Us Your Type is a project about two things that the founders adore. Type and cities!
They started this project to provide a creative platform for designers to share their talents and explore cities from a different perspective.
The most recent city was Cairo and here are some selected images.
Barcelona, Berlin, Hong Kong, Kingston and New York have also been featured so check them out.
Next up is Melbourne and the deadline for submissions is 23 November 2011.


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Category: Design / Typography, Photography,
Posted by: Thea
Posted: May 8th 2013
No. of comments: 0
Posted: May 8th 2013
No. of comments: 0
Love this project by Melbourne photographer Kate Seabrook. She takes the viewer on a photographic trip through all 173 of Berlin's U-Bahn stations. How incredible is the old type?


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Brand X Student Design Competition Featuring Under Armour
Category: Competitions,
Posted by: Dailey
Posted: Feb 21st 2013
No. of comments: 0
Posted: Feb 21st 2013
No. of comments: 0
Under Armour has teamed with industry publications Event Marketer and Event Design and experience design agency George P. Johnson to launch Brand X, the first student competition on experience design.
learn more at facebook.com/brandxchallenge.


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The New Moon Holistic Healing Expo and Psychic Festival, now in its 12th year, is being held at a new location this year � in Webster. The event, which offers a broad array of holistic healers, metaphysical and wellness-minded vendors, intuitives, mediums, authors, artists and musicians, is being held from 10 a.m. to 7 p.m. Saturday, Nov. 2, and 10 a.m. to 6 p.m. Sunday, Nov. 3, at the Damascus Shrine Center, 979 Bay Road, Webster. Admission will be $7 at the door; $10 for a two-day pass; and $5 for seniors and students with valid ID.
For more information, go to www.newmoonforyou.com.
Location, ST | website.com


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Shillington graduates in Computer Arts
Category: Design / Branding/Identity, Design / Editorial, Design / Print, Interviews / Individual, Magazines,
Posted by: Julian
Posted: Jun 26th 2013
No. of comments: 30
Posted: Jun 26th 2013
No. of comments: 30
Continuing a history of both Shillington lecturers and graduates being featured among their pages, Computer Arts have featured two recent graduates from our Manchester college in the new issue out this week (issue 216)! We're hugely proud to see Lois and Alex included alongside their fantastic work.
In fact to celebrate we're giving away a one year subscription to Computer Arts. All you need to do to WIN is leave a comment on this post! It's as easy as that!
PLEASE NOTE: The competition is now closed. Thank you to all who entered, the winner will be announced soon!
Comments: 30
AslamhUnited Kingdom, London | Jul 3rd 2013Creative, uplifting and visually stunning. - Last part was directed @ The magazine :P
Tanya NetoUnited Kingdom, Newcastle Upon Tyne | Jul 2nd 2013Well done Shillington, Alex and Lois. Great magazine for designers.
Peter KingUnited Kingdom, Brighton | Jul 1st 2013Well done Alex and Lois. Shillington represent! Great work shown off in one great magazine. Go, go go!
Ffion NormanUnited Kingdom, Holywell, Nr. Wales | Jun 30th 2013Hi, I'm starting a Graphic Design and Illustration (BA) course in September and I'd LOVE a subscription to this magazine. Thanks!
ZaishaUnited Kingdom, London | Jun 30th 2013I would LOVE to win a subscription to Computer Arts! Over the next year I'm going to be saving (and saving and saving) to hopefully start the part-time course at the London branch of Shillington in Sept 14.. I really want to do as much as I can to prepare so this subscription would be amazing for me!
ZorrieUnited Kingdom, London | Jun 29th 2013One of the most inspiring magazines for Graphic Designers! Well done Shillington graduates!
MattUnited Kingdom, London | Jun 29th 2013Well done Lois and Alex!
Ruchi SharmaIndia, Navi Mumbai | Jun 29th 2013Congratulations !! :)
L PAustralia, Brisbane | Jun 29th 2013I'd love a CA subscription! and congrats to Alex and Lois!
Katrina OxboroughAustralia, sydney | Jun 28th 2013loving the symmetry and colour contrasting on the cover. Its very ornate like a peacock feather but in digital :)
CedricAustralia, Melbourne | Jun 28th 2013Congrats guys! Currently doing the shillington Masterclass in Melbourne so should be making an appearance in CA soon. ;) hopefully.
CedricAustralia, Melbourne | Jun 28th 2013Congrats guys! Currently doing the shillington Masterclass in Melbourne so should be making an appearance in CA soon. ;) hopefully.
Steph ClubbUnited Kingdom, Manchester | Jun 28th 2013Shillo 4 life!
Marianne ReedUnited Kingdom, derby | Jun 28th 2013great portfolio links, really like alex's 'forgotten spaces' project- fresh talent!
EvaAustralia, Sydney | Jun 28th 2013I want it!
SergeUnited Kingdom, London | Jun 28th 2013That's nice :-) When I was studying in London branch in september '12 we was filmed by someone from that magazine.
Adam PollackUnited States, New York | Jun 28th 2013Woohoo! I'm the first to comment. I love this magazine, it's how I first heard about Shillington and I'm just about to finish the program. Absolutely love it. Bring on that free subscription.
Jolien SteuperaertBelgium, waregem | Jun 28th 2013Well done Shillo's!!!
Martin JensenDenmark, Odense SØ | Jun 28th 2013Would be nice to win a one year subscription to Computer Arts :)
Jennifer NewmanUnited Kingdom, London | Jun 28th 2013I'm suspicious of the fact there don't seem to be any other comments. Am I writing in the wrong place?! Hope not, because this is a great prize! I recently had to cancel my subscription to Computer Arts and I'm already missing the new editions coming through the letterbox and patiently waiting for me to get home from work. Fingers crossed... :)
Weina LaiSingapore, Singapore | Jun 28th 2013Hey, I love graphic design and I'm really glad Shillington offers a course in this field. Hope to join you guys in the course someday soon! Cheers! Weina xx.
Robert DonnellyIreland, Dublin | Jun 28th 2013Hey guys, everywhere I look at for news on getting into the industry, your name keeps popping up! Even reading last year's Computer Arts Projects series there was a lovely profile of you guys. Currently saving up to join you guys in either September (unlikely) or January!
Mohsen GhafariMalaysia, Cyberjaya | Jun 28th 2013Hi. I'm so excited for both Alex and Lois who have been selected to be be featured in computer arts magazine. awesome.
PeteUnited Kingdom, London | Jun 28th 2013Great magazine, would love a years subscription.
Ben ParkinsonUnited Kingdom, London | Jun 28th 2013You will change my life!
Mohsen GhafariMalaysia, Cyberjaya | Jun 28th 2013Hi. I'm so excited for both Alex and Lois who have been selected to be be featured in computer arts magazine. awesome.
Louise O'BrienUnited Kingdom, Manchester | Jun 28th 2013Great!
GeorginaUnited Kingdom, Oxford | Jun 28th 2013Great competition :)
Katy SimpsonUnited Kingdom, York | Jun 28th 2013Computer Arts, urm dribble. Literally the best magazine for everything you need to know about the industry, so helpful especially for emerging talents such as Lois & Alex. Aiding opportunities & reward Computer Arts is pretty similar to Shillington in that respect, if I do say myself! Long love Shillo.
Sofie EDenmark, Copenhagen | Jun 28th 2013Very impressive work guys! And great news that your work got published. I especially adore the catfood packaging. Genius. Good luck x


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Home Delivery Service
Home Delivery Service
Once you have made your purchases, you can take them with you immediately. Or we can deliver them to your home or office.Check for details. (This page will close)
Finance options
Finance options
You can pay for major IKEA purchases over time. Easy and competitive financing is available through your IKEA store. Financing applies to home furnishing as well as office furnishing.
Finance services vary by store.
Picking with delivery service
Picking with delivery service
If you want us to pick your furniture and have it delivered to you, we offer a combined in-store picking and delivery service. Simply place your order with one of our co-workers and they will arrange the delivery for you.Check for details. (This page will close)


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World Soccer Shop. Your best source for soccer jerseys, soccer balls, soccer shoes.
Departments > Accessories > Stickers >
Sporting Kansas City 4.5x6 Decal
Sporting Kansas City 4.5x6 Decal
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I stumbled upon the link to this vendor while looking for game scores. The product and price looked good, so I ordered. Viewing the product and making selections was simple. Ordering via credit card was easy. Vendor acknowledged my order via e-mail immediately and kept me informed through the whole process. I was using the product within 7 days. Great Service.
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Thanks to our purchase, my son received exactly what he wanted! First time, we didnt get it wrong! Bring out more products, well buy more!
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Very fast delivery and everything I ordered was as promised. I would recommend your store to anyone. Outstanding!!!
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Simply the best-- the only site were you can customize your football jerseys to have your own name and number. What else can you ask for?
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Great selection and wonderful delivery, especially just a couple of weeks before Christmas. It was easy for me to find what I needed, and I had fun looking for extras. I will shop for my husband at this site again. I am sure he is going to enjoy what he finds under the tree. Thanks!!!
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Silver/RoyalItem #
- Argyle Rocks!
- Currently Unavailable
Grooved engraved sidewall design for stylish look and a perfect head for any position. Pro-Offset technology provides ideal ball control and protection. V-Shaped scoop provides extreme accuracy and the scooped construction allows for multiple pocket locations and a quick release.
Legal for all levels.


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Paper Type Experiments by Kelli Anderson
Category: Design / Interactive, Design / Typography, Designers/Studios,
Posted by: Thea
Posted: Apr 16th 2013
No. of comments: 0
Posted: Apr 16th 2013
No. of comments: 0
Kelli Anderson is one of my all-time favourite designers. Her unique take on briefs always blows my mind. (Case in point, this paper record player wedding invite.) I love the paper type experiments she did for her Type San Fransisco talk last week. The patience! Check out her full blog post on the subject to see some great GIFs showing the process.


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Christina Ann Moore, Shaun Emerson Gonzales
Published: Sunday, November 25, 2012 at 4:30 a.m.
Last Modified: Wednesday, November 21, 2012 at 9:06 a.m.
Drs. Michael and Maria Moore of Hendersonville, NC, announce the engagement of their daughter, Christina Ann Moore, to Shaun Emerson Gonzales, son of Benita Gonzales of Corona, CA.
The future bride graduated from Baylor University with a Bachelor of Arts degree in Studio Art and also from Auburn University with a Bachelor of Science degree in Environmental Design and a Masters degree in Industrial Design. She is employed as a designer at Absolute Exhibits in southern California.
The future groom graduated from California State University at Fullerton with a Bachelor of Arts degree in Speech Communication. He is an executive Vice President at First American Title Insurance Company in southern California.
A spring 2013 wedding is planned in California's romantic wine country and the couple will live in Ladera Ranch, California.
Reader comments posted to this article may be published in our print edition. All rights reserved. This copyrighted material may not be re-published without permission. Links are encouraged.


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NEWSMAKERS: Feb. 17, 2013
Published: Sunday, February 17, 2013 at 6:01 a.m.
Last Modified: Sunday, February 17, 2013 at 12:26 a.m.
TEDA CEO to discuss ties with China
Steve Vassallo, chief executive officer of the Terrebonne Parish Economic Development Authority, will be keynote speaker at the Louisiana/China Business Alliance L3C Chinese New Year luncheon Feb. 25 at the Petroleum Club of Lafayette in Lafayette.
Vassallo will outline various joint ventures and investment opportunities for the U.S. and China, including retail shopping, chemical petroleum refinery production, the seafood and restaurant industries, petroleum research, alternative energy, new material technology, offshore technology, product manufacturing and marine service safety.
Following Vassallo's address, Helen Yu, deputy director of the General Foreign Affairs Office of Weihai City, China, will discuss Terrebonne Parish's five-year economic development accord with Weihai — spearheaded and signed in June 2012 by Vassallo. Yu will focus on how the business cultures of China and Louisiana complement one another.
The luncheon, titled "How to Successfully Merge Louisiana Business with Chinese Business," will take place in the club's ballroom at 11 a.m. There will be a roundtable business discussion at 2 p.m.
The Petroleum Club of Lafayette is at 111 Heymann Blvd.
To learn about TEDA, call 873-6890 or 852-7745 — or go to tpeda.org.
Local financial adviser recognized
Tom Hassell, an independent financial advisor and founder of Hassell Wealth Management, 300 Lafayette St., Suite 200, Houma, was recognized as a top financial advisor and named to the LPL Financial Chairman's Council.
This distinction is based on a ranking of all registered advisors supported by LPL Financial and is awarded to less than 1 percent of the firm's approximately 13,000 advisers nationwide.
Hassell Wealth Management provides independent financial planning and asset management services to clients throughout Louisiana and 14 other states.
Reader comments posted to this article may be published in our print edition. All rights reserved. This copyrighted material may not be re-published without permission. Links are encouraged.


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The Center on Health Disparities at the University of Virginia
The Center on Health Disparities at the University of Virginia Health System is a multidisciplinary team of clinicians, clinical scientists, social scientists, ethicists, epidemiologists, anthropologists, and community leaders.
This team works together to evaluate health care, identify existing problems and inequities, and, through understanding of the needs, values and culture of minority populations, designs solutions which will lead to improved health.
These efforts should lead to a health care system that is available to all, while being sensitive to and respectful of the culture and values of all.


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One person was hospitalized after two SUVs collided at Highway 33 and Wood Street Saturday afternoon.
The four people in the Hyundai Santa Fe, two adults and two children, apparently escaped injury, but the driver of the Chevrolet Blazer, a man, was taken by ambulance.
He was initially up and walking around after the crash but was placed on a backboard when firefighters and paramedics arrived.
Taft Police are investigating the accident.
Location, ST | website.com


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Model: SKFFTOF Item: MLNSKFFTOF
Mayline SKFFTOF Stella Series Veneer File/File Pedestal, 15<w x 19d x 28<h, Toffee
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Mayline® Eastwinds Laptop Computer Caddy, 29-1/2w x 20d x 27 to 38h, Medium Cherry
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- Evolution with a Cause
- Currently Unavailable
A portion of the proceeds from this head goes to the Headstrong Foundation.
Maximum power and accuracy. New aggressive sidewall design with 2 Shot mold process for increased durability and stiffness. Slim Scoop for better transition in and out of the pocket. Optimal string hole position for perfect stringing every time.
Legal for play at all levels except NCAA.


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Tonka Home Video
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The Best and Worst of the Season So Far: Week of Aug 19-25
just for fun
91 Days and Love Live Sunshine come surging from behind to leap up the charts! Find out how your favorite shows fared in our weekly user rankings! ― Our team of reviewers are following 30 anime series of the Summer 2016 season and readers are rating each episode as the reviews go up. So let's have a look at what ANN readers consider the best (and worst) of the season. Keep in mind that these ranking...
Vice & Luna Bonus Round + Fanart Gallery
just for fun
Vice's Sword Art Online bluray preorder bonus finally came in, and it's delicious! PLUS: a Vice & Luna fanart gallery! ― Fanart Gallery Welcome to a Vice & Luna hiatus week! During the weeks where life happens or someone on our team needs some time off, we'll have one of these shorter little strips ready for you, and this week we're lucky enough to have some pretty awesome fanart to share. If you ha...
Yowamushi Pedal GN 3
This omnibus volume slows things down a bit from the heady days of the Welcome Race, but its exploration of the cast's emotions proves just as interesting. ― Competitive sports are a divisive pasttime, which is especially strange because they really don't have to be. Very few people are going to get into the sort of burning feud that Red Sox vs Yankees inspires over whether Dairy Queen or Baskin Robi...
Answerman - How Much Anime Can REALLY Fit On A Blu-ray?
Some anime come with 13 episodes (or more) crammed on a single bluray disc - is that really enough space to maintain HD picture quality? Justin gets into it. ― Mike (Toole) asks: How much anime will fit on a single Blu-Ray disc? Is a single BD-50 really enough for 13 episodes of subtitled 1080p anime? How much anime can comfortably fit onto a dual layer Blu-ray in full HD? For those who don't know, ...
Shelf Life - Aquarion Evol
James dives into the wacky, innuendo-filled world of Aquarion Evol and does his best to make sense of it all. Plus, all this week's new releases! ― I spent about twenty bucks on an anime figure last week (Eli from Love Live, in case you're wondering), and now I'm fighting to hold myself back from buying more. I used to buy figures on a regular basis, and nothing quite beats that initial thrill of se...
Please tell me! Galko-chan Episodes 1-12 Streaming
Rose Bridges takes a look at this underrated short gag series from earlier in the year and discovers a surprisingly educational (and filthy) anime like nothing else out there. ― When I was in high school, there was one huge girls' bathroom in the main hallway. For some reason, there was no such equivalent for the guys. This place became a sort of social gathering spot for all the girls in school, reg...
The List - 6 Strange Reinterpretations of Classic Literature
Legends never die, and old stories can always be made new again. Just add robots! Here are a few strange anime takes on memorable classic tales. ― Classic literature is a resource regularly mined for new visual adaptations, whether it's a Jane Austen romance or another mystery starring the unflappable Sherlock Holmes. These stories and their characters are immediately familiar to audiences around th...
Nisekoi 2 Sub.Blu-Ray 2
Nisekoi's second season comes to a close with no romantic resolution in sight, but is the journey more important than the destination? Theron Martin investigates. ― This release covers the second half of the series – episodes 7-12. This run of episodes is average by franchise standards, including both the weakest entries of the season and one of the strongest. Aside from a sad magical girl parody don...


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Representatives of the Monsanto fund met with members of the Butterfield-Odin School and Watonwan County 4-H to present checks from Steven Ringen, the winner of the Watonwan County for America Farmers Grow Communities contest sponsored by the Monsanto fund.
Ringen was selected the winner in Watonwan County and was given the opportunity to choose two organizations toward which he could make $2,500 donations. He decided on the Butterfield-Odin school district and Watonwan County 4-H.
Under the America's Farmers Grow Communities program, eligible farmers in 1,271 counties across 39 states can enter to win $2,500 in donations for a non-profit of their choice. Because of the drought conditions in the region, the Mansanto company decided to double that donation this year.
"The purpose of Grow Communities is to recognize the vital role that America's farmers play and to help them grow their communities by supporting local organizations that are important to them," said Monsanto Sales Representative Dan Lemmon.
With more than 60,000 farmers across the country participating in the program, one winning farmer is selected from each eligible county.
The money donated to Butterfield-Odin School will be used to purchase iPads for the classrooms, as Butterfield-Odin continues to move forward toward their goal of being a completely paperless institution. They have already ordered ten more iPads with the donated money and money collected by the senior class.
The 4-H club will be using their money for their robotics campaign, shooting sports, the cloverbuds and to plant trees at the Watonwan County Fairgrounds.
Location, ST | website.com


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United Way of McPherson County is working to build a stronger community by addressing issues related to health, education and income. We believe conversations and intensive listening are the best ways to understand the real problems and move beyond short-term solutions. Community change can be accomplished through broad participation and collaboration. We encourage McPherson County residents to be involved with their community through giving, advocating and volunteering. By working together we can make a larger impact on the issues at hand.
My family traveled to Wichita last evening to watch a hockey game. I've never attended a hockey game and was introduced to this sport because my daughter's choir sang the national anthem before the game.
Having attended many baseball, basketball and football games throughout the years I found my hockey experience to be equally exhilarating, partially because I was eager to figure out the rules of the game and partially because I was intrigued by crowd activities.
The fan camera focused on select groups throughout the game, while fans danced and engaged in crazy movements to draw attention. Dollar bills were dropped from the catwalk above as a promotional gimmick. T-shirts and Frisbees were launched into the crowd with fans sprawling and grasping the air as they tried to be the lucky recipients.
And who can ignore the food – classic sport arena food? It's the first time since college that I had to wear a bracelet identifying me as a legal drinker. Not willing to consume an expensive, watered-down beer I opted for a margarita from a Mexican vendor. The drink didn't resemble the tangy drink I so often enjoy. It was served in a plastic cup with no salt around the rim and the alcohol content was next to none.
Despite our gourmet preferences, my family also indulged in soft pretzels, nachos, hotdogs and candied nuts. The evening was unique as we stepped out of our normal eating zone. For those of us who engage in a healthy eating lifestyle, it's scary to think individuals indulge in eating those kinds of foods on a daily basis.
While it was fun to step out of our healthy habits for a day, we will definitely be detoxifying our systems today with fruits and vegetables. Lunch includes carrot lentil soup!


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Every now and then you see one of those news stories that make you shake your head and say…
CNN ran an all too common story today about a family who is, sadly, about to lose their $800,000 home due to foreclosure (see video below).
Such stories are becoming commonplace and subsequently losing their newsworthy appeal, but a "small detail" stood out in this story that seemed to be quickly passed over.
This "small detail" that stood out like a jalapeno pepper in my Cheerios is that one of the co-owners of this $800,000 home is actually a school bus driver (the second family member's profession was not disclosed).
Maybe I'm wrong, but I was under the impression that anyone who drives a big yellow bus full of screaming kids is a few pay grades below a cardiac surgeon that invested 10 to 15 years of their life learning a highly specific tradecraft or a successful small business owner who busted their hump for 15 hours a day after 10 years of hard work.
I say this from a tough love standpoint because when I think of homeowner who has an $800,000 mortgage, I generally think of someone (or a dual income family) that does very well for themselves by bringing home a home a sizeable six figure income. You know — someone who can actually afford to pay the mortgage and real estate taxes without having to rely on credit card debt to pay for everything else.
To be fair, CNN didn't delve into the specifics of this couple's finances, so it's entirely possible that my hawkish criticism has led me down a path of unfounded speculation. Maybe the husband (who was not interviewed) had an excellent paying job and was recently laid off. Perhaps there were unforeseen medical expenses that took priority over the mortgage payment. Many things could have happened after they signed on the dotted line and put them on the foreclosure chopping block.
Regardless, as I sat incredulously watching this video I'm thinking… just what in the world were these people thinking?
Anyone who drives a bus can't afford a $800,000 house! Right?
We are beginning to see more and more reports of this sort of financially irresponsible behavior where an unknown percentage of the U.S. population bought entirely too much home than they could afford, and only now have they figured out that it was a huge mistake.
I can empathize with those who say "why shouldn't we have nice things like everyone else?". Then again, you could argue that this is the typical rationalization every 17 year old kid justified to himself before dealing drugs. He knew it was a risky decision, but he just wanted to have some of the finer things in life.
Just because you see everyone else making a bad decision, that isn't the green light for you to make the same bad decision. This is where prudent judgment and sound financial planning should help you put on the brakes, assess the situation, and accurately gauge just how much home you can afford.
On a more macro scale, once you begin to multiply this family's mistake a few million times over, you begin to see more dark clouds on the horizon for the U.S. economy. Hence the reason why the stock market is down ~50% from its highs.
My grandfather, who actually lived through the Great Depression, frequently used the idiom "don't let your champagne taste ruin your beer budget". As a kid, I couldn't fully grasp the wisdom of this message but I practiced the message because it made sense. After all that has transpired, I give a little smirk when I watch the doom & gloom news reports because now, I fully understand what he was trying to convey.
So while mainstream media and the never ending stream of ridiculous TV shows (e.g. MTV Cribs) were hyping lavish lifestyles saying it was your God-Given, American right (not privilege!) to own a home, it was actually the equivalent of a carrot being dangled in front of a horse just to make him continue pulling the wagon.
The truth is that most of that message was complete bologna made to cloud your rational brain from asking if you could really afford it. That's common knowledge to most everyone now, but it is important to highlight the distinction between what you want versus what you can afford before you make the decision to buy a big ticket item… like a $800,000 house!
So the next time you see that monstrosity of a home that you're just dying to own, that $70,000 Escalade or maybe even a pricey bottle of bubbly when all you can afford is cheap domestic beer, maybe you'll think twice before being suckered in and living beyond your means.
~ ~ ~
Photo by kippefinger
That's a shame Obama's housing plan hasn't kicked in yet and wasn't there for those poor victims. I'm really looking forward to paying for my neighbors houses that took on a mortgage comprising 50% of their income while we pinched pennies on a single income.
I don't know the facts either, but just from a social circle standpoint, the people I know that have a husband making enough to afford an 800K house – the wife wouldn't be caught dead driving a bus. It just doesn't fit with the image.
I really miss those no income verification days; they were just swell. But hey, now the administration's looking to reward the same dishonest loan officers that peddled Option ARMs and falsified income documents with "loan modification incentives".
Looking forward to "spreading those mortgages around" – yeah!
(I'm actually a happy person; it's tough to refrain during this ridiculous period)
Yeah I'm with you on the smiley face factor these days. It's tough to make a better argument than Rick Santelli's rant about paying for your neighbors mortgage, so I'll defer to him carry the message.
I don't mind bailing out people who actually deserve a refi or to reset their principle balance, but not for someone like this who clearly exceeded their limitations and got caught up in the hype. Maybe if the husband lost his job and he was making 500k a year, but the pre-mortgage finances would have to justify buying that much home.
The next wave of foreclosures is supposedly coming from home with those short term ARMs with teaser rates, so once those rates reset, we could be in for more fun.
The entire lending field is corrupt and predatory—banks, credit card companies and student loan companies.
People who live beyond their means, signing mortgages for 800K cookie cutter McMansions are irresponsible. Mortgage companies picked them out of the herd like lonesharks prey upon compulsive gamblers. Both parties are responsible.
But what about student loan companies? 18-year-old kids take out loans for $100,000-$200,000 for an undergraduate degree and to land a job after graduation that annually nets $30,000-$35,000—if they're lucky.
That seems equally predatory and irresponsible. At least you can declare bankruptcy with a mortgage. The government is trying to do something about the housing problem. What about people who are trapped under the weight of neverending student loan payments? Oftentimes, these people can barely pay the interest every month, the principle never goes down, and the payment plan stretches out 35 + years ahead.
How do universities and loan companies justify charging inflated tuition and granting loans to young adults for a BA in English lit? They claim they're betting on their future earning potential. What they're betting on is having indentured servants for their entire adult work life who are stuck in one of the most unforgiving, punitive loan schemes created.
I'm one of these people. Except, I took out crazy student loans for a doctorate in Psychology when I was 23, not considering what I was likely to earn, modest living expenses, and periods of unemployment as the Bush administration slashed dwindling mental health budgets.
I hate to think in terms of conspiracy, but it seems as if financial institutions and the government have created a class of wage slaves. I accept my responsibility for not doing due diligence when I signed my financial future away 14 years ago, but what about the people who gave out those loans? Oh right, they're the ones who are being rewarded with billions of dollars in federal bailout money. So now, I'm still paying the interest on my student loans in addition to having my taxes cover other loan companies predatory lending practices. They basically get all my money, directly or indirectly.
I'm angry at myself for being a sucker for believing that an education would bring me financial freedom and mobility and that these companies are getting away with what should be criminal behavior.
Dr T
I understand your anger. Both borrower and lender are at fault here, and past indiscretions generally rise to the surface in times like this.
As far as student loans go, I can't necessarily fault the lender or borrower b/c it's an investment for the future. Problem is, that education costs have outpaced inflation by 4 to 5 fold. Many universities realize that they can continually hike tuition costs since getting a college education is the "American thing to do" and they basically got you bent over pulling a Pulp Fiction routine.
The American system is currently set on a foundation of repaying debt, and just like a mortgage, your education costs are rolled into a monthly payment. Buy Now & Pay Later just seems to be commonplace and won't likely disappear anytime soon.
It sucks that companies like GM and AIG get tax dollars, but you must consider we're also getting a hefty interest payment from those loans. Several companies are trying to give the money back b/c it's costing them a lot of money, and they've subsequently suspended dividends on their common equity. So it's a damned if you do, damned if you don't situation.
You're are right on in your assessment. If your grandfather had been a banker he might also have said do not lend money to people who can not afford to pay it back, and make sure that the asset is worth what they are paying for it. You are too easy on the bankers. In my opinion the systemic failure was more the bankers fault than the individuals although they both share responsibility.
I see un-scrupulous car dealers pushing bad car loans on people who have no other choice. if the bank will buy the deal they do not care whether the deal fails or not as long as they make their money. The securitiztion process removes this free market check. If I write a bad deal and it fails I lose. If you create a securitization system where every deal that unwinds every person in the link has to give back the money, you would have far fewer failures. The system would then punish bad decisions and they would learn what works.
This is a blooming example of the Wizard of Oz mentality that slathered over of the minds of the public. They can still file bankruptcy? What a idiotic solution that is. Frankly, a second mortgage is a disgrace – it simply means you need money, and filing bankruptcy is also a disgrace-maybe it is again times ten. And if someone would please weight in if the loan is discharged like any loan or credit card amount isn't tax owed on the amount as it is considered a gift? If the house loan is discharged and it is say 800K and the house sells for not even 400K isn't he borrower liable for tax on the 400K difference?
I dont see why we keep rewarding these people who live beyond their means. Basically they forced people who could afford it to overpay by inflating the prices. Any program should be geared towards people who PAY their bills and are not already late.
Regardless, not 'Iregardless'. Perhaps you misunderestimated your grammatical prowess.
@ Robert,
Thanks for commenting. I agree, I didn't criticize the bankers and their insatiable appetite once CDOs became a hot item. However, the primary message I was attempting to convey were the behaviors that can be controlled — the behavior of each individual person.
Theoretically, if everyone had the personal finance "common sense" that folks like us possess, we probably wouldn't be in this situation. My grandfather was one of those that preached self reliance and responsibility, but I suppose those ideals are a luxury that requires too much work for a culture who thrives upon instant gratification.
The problem with the lending market is the loans are no longer held by the originator. Many of the banks that are thriving in this environment are those that wrote mortgage for prime borrowers, and still hold the mortgage. It's an old school concept, but it's certainly better than being leveraged 40x beyond your held capital and begging for semi nationalization.
Checkout my post on CDOs and you'll see how mortgage brokers passed along those ticking time bombs called subprime mortgages.
@ Harry,
I think some of the blame falls into a personal lack of responsibility and a desire to have the finer things in life no matter the cost. Around 75% of the U.S. population has some form of debt, so it's just an accepted way of life. Until we can change the minds of the spenders, we won't make a dent in changing popular opinion.
Then again, when you have America's leaders (e.g. Bush) telling you to go out and spend after a national crisis while begging other countries to buy our national debt (Hillary), you have a serious problem. Attitude tends to reflect leadership.
I'm not sure what would happen to the homeowner if they're underwater on their mortgage in this environment. Commonsense says they would owe more, but with write downs becoming commonplace on Wall Street, who really knows other than those who are changing the rules every 2 weeks due to political pressure.
Thanks for commenting.
@ Bob,
Agreed. It was a typical feeding frenzy among investment bankers, but instead of a trading pit, the buying frenzy spilled over into Main Street.
Everyone got a taste of the "Good Life" and the more people saw it on TV, the more everyone rushed to take a bite of the American Dream. That's how bubbles form. Problem is that the same real estate agents that said "this is a hot market and you must pay what the market is paying" are now out of work. Hopefully those that made that justification invested their money well because they won't be making those kinds of profits anytime soon.
I'll post some data in the future to show just how overbought the market really was at it's apex.
@ Peter
"Regardless, not 'Iregardless'. Perhaps you misunderestimated your grammatical prowess."
If you're going to smack down my grammar, at least do me the courtesy of spelling my error correctly.
Living beyond their means! Doubt it. This is a case where numerous of folks got greedy and bought the most they could buy in an attempt to sell a couple of years later and make a killing. Obviously, they overlooked the risk.
Our government will bail them out.
@ David,
That's a distinct possibility they intended to flip the home. Southern Cali homes would be bought and sold in a 3 to 6 month time frame without being occupied.
You could argue this was the largest Ponzi scheme the world has ever seen.
I don't want to pay for my neighbor's mortgage under any circumstances. Let the free market place play itself out. If these people in this report cannot pay, then simply let the lender foreclose on their property and then sell it to someone who can afford to pay the mortgage, property taxes, insurance, HOA, etc.
@ LiChou,
Agreed. The only scenario I could get behind would be a community based approach where neighborhood homeowners assume the mortgage or negotiate a short sale on the property. Perhaps a pooled relief fund if someone played by the rules, but lost their job due to a layoff.
At least this way, we can see what we're actually paying for and it's going for a good cause. If the locals disagree because the homeowner is a jerk and deserves it, or if the homeowner is analogous to the above example, then it proceeds into foreclosure.
Just trying to see both sides of the argument.
First you state you agree with LiChou. Then you provide an example situation where you show where you would agree to pay for a neighbor's mortgage, which proves you do NOT agree with LiChou's point. This 'community based' approach you mention, which may sound more palatable, still contains the evil of socialism at its root.
To really 'agree' with LiChou's point, then under NO circumstances would you agree to have your property confiscated for use by another. That is pure and simple theft.
Just more unpatriotic negativity from liberals who hate America, Ronald Reagan, and the troops.
@ Glenn,
I said "could" not would. Me helping out my neighbor in foreclosure may be socialism, but I could also argue that my motivation is purely capitalist because I don't want their foreclosure destroying the value of my home.
I would just like to know what system we're following so I can adjust my investments to match the rules of the game.
@ American,
Please be more specific.
Yeah, I wonder how she's able to afford that house. She should of bought a 300k-500k house not a 800k house.
I think that's personally her fault. But also the lenders for fooling her into getting into it.
She was naive and got played by the lenders. ;)
@ Paul
Agreed. It takes two to tango!
She's an idiot. Her husband is an idiot. We can't function as a society if we always bail out idiots.
If you listen to the video from CNN, it states that her husband is in the construction industry. She is a bus driver but he has a job in an industry that at one time was a profitable industry. It is very possible that at the time they bought their house, they were able to afford it. But given the state of his industry, are now facing trouble.
@ Wendy,
Thanks for commenting. This CNN video didn't disclose the husband's employment status so it's good to find another another location disclosing that information. Do you have the link to that video/article?
It's at time frame 1:26. It says she and her husband and construction worker.
Thanks Wendy. I plan on writing a follow up to this 2nd video this weekend. Unfortunately, the embedded video above didn't disclose the husband's employment status since your link is a Part II follow up segment to blogger's reaction.
I also saw a few comments on other blogs saying her name was Arminta Garcia and she (and her husband) are real estate flippers. Not sure if that's true or not, but it would certainly be some egg on CNN's face if someone can confirm this as fact rather than speculation considering the tone of the first video.
Finding out her husband was a construction worker doesn't make me change my original opinion that they lived beyond their means even when both of them were employed. The husband would need to make $100k to $200k per year to realistically have the ability to repay a mortgage like that unless they made a huge down payment.
We live in CA and although our combined gross income is around 200K, we didnt buy a house here since the home prices here, were and still are, outrageously expensive. We were prudent and did our part, but feel sad that irresponsible people like her are getting attention and being bailed out. We thought of every possible scenario – loss of job, schooling expenses, etc. How could anyone not think of all possible circumstances before buying an 800K home is beyond me.
I see people developing the mentality that they will just walk out or not pay the mortgage if they go underwater on the home value. Oh ya…we will let the lender worry about it.
Home prices still havent come down to levels that can be considered normal or cheap atleast in CA. And if the obama administration doesnt let that happen by preventing foreclosures, its just pushing out the inevitable.
I watched this report, and I remember her saying her husband was a construction worker.
Matt you are correct in that their combined income needed to be substantial. We don't know what their situation was when they bought the house. My husband is in the construction industry and when we built our current house, he was making close to $100K (mid $90s). That was 2 years ago. Today, he is making $40K less and it hurts. Our house is no where near $800K, thank goodness. We didn't buy above what we could afford then. It's just this industry has taken a huge hit.
I know there are a lot of homeowners out there that bought more house than they should have. But there are some that were smart at the time they bought. It's just things suck right now and those that you would never thought would have trouble are having trouble.
The video I included above was only Part I, and did not disclose the husband's profession.
The video that came out today (3/5) was a Part II response to acknowledge the bloggers and negative remarks that peppered Mrs. Garcia's Facebook page. I'm sure CNN didn't mind running with a hot story a second time either.
@ Wendy
I certainly agree with you that times are tough — especially for the home building related industries and those that service them. But the saving grace in your situation is that you were smart, lived within your means, and you can continue to live in your home without needing any "unnatural" assistance to keep your home.
The scary side of the recession/depression scenario is that people who played by all the rules begin to lose their jobs, and later start defaulting on their mortgages. That is where things get tricky and some leniency could potentially be implemented.
This school bus driver may have been in over her head, but do know this, A LOT of blue collar workers make A BOAT LOAD of money.
This is what I wrote in "Fortunes, Fortunes, Everywhere". Policemen, Fireman, Longshoremen, all are making 6 figures, with 6 figure pension upon retirement.
My point is that there's a lot more wealth that one thinks.
I am hoping that the recent increase in the savings rate leads to a new generation of Americans thinking like your grandfather. My grandparents, too, lived through the Great Depression and I remember hearing the stories as a child. Unfortunately, the further away we got, the easier the lessons were to forget.
I hope that my kids will be able to learn from these recent events and live within their means.
.-= Kidgas´s last blog ..In the Top 1 Million!! =-.
Alas, the cost of hops has gone up so much the last few years, even a beer budget is beyond the means of many Americans. Especially if they drink good beer.
I agree with the general principle of living within one's means. I have no house. I am also single and recently picked up and relocated temporarily for work. I have no pat judgment, though, about other people's situations. I most recently lived in San Francisco. Realistically there are people there living "beyond their means" on more than six figures. Set aside the fantasies and one realizes that, even in San Francisco, there are a whole heckuva lot of people with good jobs who are just not ever going to earn 6-figures. What are they supposed to do?
"Move," people chime in. But what do you do if you grew up there? Your sick mom is there? Your job is there, and you really can't move it? Tenancy-in-common with friends may not be a good idea, but what's the other option? Stretching to buy an overpriced home with no cushion may not be a good idea, but what's the option? Rent? Ha! Rents are through the roof, also.
Many people make bad and irresponsible choices, to be sure. But I think there's a bit of denial operating when we castigate people who literally had no option available that wasn't "irresponsible." People have to live, and most do the best they can.
The other issue, for me, is the self-righteousness. Do we really expect that 18-year-old kids have the financial savvy to understand this completely? People sometimes exercise bad judgments, no doubt about it. Great. But who does it help if things are set up such that a bad judgment made at EIGHTEEN YEARS OLD cannot be recovered for 30, 40, or 50 years?
Bankruptcy protection was one of the earliest features of the USA precisely because the colonists saw that debtors' prisons and lifelong debt were, in balance, WORSE both for individuals and society as a whole than total and terminal ruin for a few true scoundrels, a greater number of fools, and a still larger number of honest people caught up in something beyond their control.
People have to live, and most do the best they can.
While I agree wholeheartedly with that statement, the folks involved in this video fancied themselves as real estate investors/speculators. They bought at the top, couldn't afford the payments, lost a job because the husband worked in real estate/construction, etc.
So in my opinion, they fell victim to the get rich quick dream (or scheme) and didn't want to pay the consequences.
bus drivers don't make that much money. how can they afford a home like that? Oh I guess they can't its in foreclosure. Jeesh. What a story.
He may have been a construction worker and also operate a construction company.
Like you may say that Ken Lewis is a banker who is also the CEO of Bank of America.
I assure you that some people in construction were easily earning more than the $200,000 annual income and probably had a 15 year track record of doing so by 2006. His wife probably had a real job because of the health insurance problem for the self employed.
FYI- construction is a high revenue, capital intensive, and low margin business, like airlines.
It doesn't take much to sink these guys.
I know a lot of people that bought their house with a no verification mortgage and the majority are honest and hard working individuals and without a stated loan they very likely would not have been capable of buying. This kind of loan options in my opinion have their place, they just should be more tightly regulated and not coupled with zero down programs, but 10% to 20% or even more money down.
I can agree with most of that Josh. I don't think all option ARMs or subprime loans are "evil" per se, just that deregulation of this entire area of the market was allowed to grow and metastasize far beyond what should have been allowed.
The most vocal critics claimed "it's our right to own a home" or "we don't want to live in a nanny state", and yet, they're either bankrupt, bailed out or shunned by financial media after the credit/real estate bubble burst.


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A/W 2012 Fashion Week Invites
Category: Design / Branding/Identity, Design / Packaging, Design / Print,
Posted by: Thea
Posted: Jun 5th 2012
No. of comments: 0
Posted: Jun 5th 2012
No. of comments: 0
I love invites. Even if it's just a simple paper and envelope deal I'll get excited, but after looking at this selection, sent to the Wallpaper* office for the autumn / winter fashion shows, I think the bar has been set. These are truly invitations that would surprise and delight the receiver.


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Burial set in Charlotte for George Beverly Shea
Published: Monday, April 22, 2013 at 10:10 a.m.
Last Modified: Monday, April 22, 2013 at 10:10 a.m.
CHARLOTTE, N.C. (AP) — A private burial is set in Charlotte for soloist George Beverly Shea.
About 1,000 people, including Graham and former choir director Cliff Barrows, attended Shea's funeral in Montreat on Sunday.
The private burial is set Monday at the Billy Graham Library.
Shea died in an Asheville hospital last week at age 104.
He was a soloist for Graham's ministries for nearly 60 years.
The 94-year-old Billy Graham did not speak during Sunday's service. He issued a statement praising Shea's faith and contribution to the Billy Graham Evangelistic Association. The statement says Graham expects to see Shea in heaven "relatively soon."
Shea often performed gospel classics such as "How Great Thou Art" before Graham sermons during his crusades.
He earned a Lifetime Achievement Award from the Grammy Association in 2011.
Reader comments posted to this article may be published in our print edition. All rights reserved. This copyrighted material may not be re-published without permission. Links are encouraged.


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