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Andy McKee is one of the world's finest acoustic guitar soloists. Having shot to worldwide prominence with his technically astounding Drifting, he has since received over 200 million plays online. At one point he held the #1, #2 and #3 positions for their Top-Rated Videos of All Time.
However McKee's online success is no gimmick; as a live musician he performs over 200 shows a year worldwide, has independently released five studio albums, was awarded the Acoustic Guitar Magazine worldwide silver medal award for fingerstyle.
His live shows are a true testament to his art of stringsmanship and engaging repartee, appealing both to the every day music fan and guitar aficionados alike. His deft talents give his music life through altered tunings, syncopated rhythm and guitar taps. Andy's textural use of polyphonic tones and his unique multi-layering approach means whilst he alone plucks, strums, taps the strings and body, he creates the illusion of a full band accompaniment.
See more info at andymckee.com
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Great night and wonderful performance by extremely talented composer and guitar player Andy McKee. The Musician is also a superb venue on its own with surprisingly good acoustics. Artur W from Leicester
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Biological oxidation of hydrocarbons is a commonly observed process.
(a) To what class of hydrocarbons does the reactant in the following equation belong? What is its IUPAC name?
(b) Identify by IUPAC locant the carbon that is oxidized in the formation of each product.
(c) How are alcohols A, B, and C related? Are they constitutional isomers or stereoisomers?

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The Anchorage Dental Study Group will meet 1 hour every 2 months [9 hours/year]. The group will consist of dentists and dental hygienists. Continuing dental education will be provided by the study group participants in one of the following formats: 1. Journal article presentations 2. Clinical case presentations 3. Dental seminars 4. Guest speaker presentations This session will focus on oral manifestations of immunopathic diseases.
Upon completion of this session, the participant will be able to: 1. Identify adverse effects, tolerance and addiction. 2. Recognize drug-seeking behavior [DSB].
It is the policy of the Indian Health Service, Division of Oral
Health, that faculty/planners disclose any financial or other relationships with commercial companies whose products may be discussed in the educational activity.
The Indian Health Service, Division of Oral Health, also requires that faculty disclose any unlabeled or investigative use of pharmaceutical products and medical devices.
Images that have been falsified or manipulated to misrepresent treatment outcomes are prohibited.
None of the faculty/planners for this activity has a conflict of interest, and there is no use of unlabeled or investigative pharmaceutical products or medical devices.
No images have been falsified or manipulated to misrepresent treatment outcomes.The educational objectives, content, and selection of educational methods and instructors are conducted
independent of any commercial entity.
Concerns or complaints about this course may be directed to Mary Beth Kinney or to ADA CERP (http://www.ada.org/goto/cerp).
Tuition must be paid in full 8 weeks prior to the start date of any course. Request for refunds must be received in writing at
least two weeks before the course begins. For each refund request, there will be an administrative charge of $100. No refunds will be made to registrants who fail to attend a course.
If IHS CDE program cancels a course, then 100% of the tuition will be refunded.
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Category: Photos du Jour (Photo of the Day), Travelogues Tagged: agriculture, Bali, black and white photography, Photo du Jour, photography, rice farming, Southeast Asia, threshing rice, travel
Wonderful photos
Thrilled you enjoyed them, TBM! Thanks as always for your kind feedback.
Fabulous photos – and what a wonderful portrait to open the series! Great job :)
Thanks, Marina. I also love the woman's wide, genuine smile — especially despite the difficult work she's just been doing!
I love it!! I enjoy your photo perspectives in your travels! I look forward to see more of your photo journals!
Maraming salamat sa 'yo, Karen. I'll keep them coming! :)
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Hanabusa announces US Senate run
By OSKAR GARCIA
Associated Press
HONOLULU — U.S. Rep. Colleen Hanabusa of Hawaii says she plans to run against fellow Democrat and incumbent U.S. Sen. Brian Schatz in 2014, setting up a primary battle between two of the state's four federal lawmakers.
Hanabusa told The Associated Press in an interview Thursday that she believes Hawaii voters didn't really have a chance to weigh in when Schatz was appointed to replace Sen. Daniel Inouye. Inouye died in December.
"This is an opportunity and I feel the people have not had the chance to speak," Hanabusa said. "We are going to afford them that opportunity."
Hanabusa said that while she disagrees with Gov. Neil Abercrombie's pick of Schatz, then his lieutenant governor, she acknowledges it was his decision to fill the seat.
"That doesn't then somehow say that Brian is entitled to that seat and that he is an incumbent in the true sense of the word," Hanabusa said.
Hanabusa says Hawaii's delegation became younger after Inouye died and that she has the most experience of any candidate.
Inouye sent Abercrombie a letter just before he died saying his last wish was to have Hanabusa appointed to replace him. Hanabusa says that's an endorsement she cherishes.
The 2014 race will determine who holds the seat the next two years, the final run of Inouye's original term. The seat will be up for election again in 2016.
According to the Federal Election Commission, Schatz had $1 million in campaign cash as of March 31, compared with nearly $249,000 for Hanabusa.
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There is ample parking and plenty of room for fighting.
Join us in the Balmy North on Nov. 21st for a Retreat like no other. We welcome you warmly to our lands. Fighters Retreat is just that - a place for fighters to come and spend the day Teaching, Learning, and Authorizing in this great craft (inside where it is warm!). With Plenty of Populace Space.
We will also have Merchanting space available for any one who wishes to sell their wares. Please contact: Warren Barrows at Barrows_Pronto @ Yahoo.com if you are going to be sellin so I can have space set aside.
Lord of Life Church
14501 Nowthen Blvd NW,
Ramsey, MN 55303
Gate opens at: 9:00
Site closes at: 5:00
Site Fees: $10.00 at the door


text: Fronted by former Deloris Telescope drummer/ songwriter/singer Ricky Wilcox, The Moonsnakes are a group of seasoned professionals that meld the hookiness of Power Pop, the twang of Americana, with a helping heap of straight up Rock-n-Roll. The bands latest CD, " Last Day On Planet Earth " is set for release soon. Stay tuned


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Hubby bought me an at home Doppler to listen to baby's heartbeat a few weeks ago. I finally found th heartbeat last night
It was so good to lie there and hear my baby. I think I heard it move as well as there was a brushing noise and then the heartbeat had moved.


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Attention students, faculty and staff: Parking procedures for Fall 2016. Click here for details.
Field AgencyThis list includes agencies that have provided field placements for social work students. It is subject to change and is not inclusive. It is intended to supplement your knowledge of field placements.
The red bullet next to each agency name indicates the level of intern the agency can accommodate. You can perform an alphabetical sort of the agencies by clicking on the arrow next to the BSW, MSW I or MSW II level.


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- Report: #209184
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Complaint Review: National HealthCare Discount
National HealthCare Discount6520 W 110th St Ste 202 Overland Park, Kansas U.S.A.
National Health Care Discount Ripoff Company, Fraudulent Overland Park Kansas
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For a Personnel Representative, I've done everything i was suppose to do, including hiring new associates. I dont feel that is fair for the other people.
I dont want the new hires to go through what im going through. So from here on and out, im not with this company anymore, unless I see a paycheck.
Zion, Illinois
This report was posted on Ripoff Report on 09/02/2006 01:09 PM and is a permanent record located here: http://www.ripoffreport.com/r/National-HealthCare-Discount/Overland-Park-Kansas-66211/National-Health-Care-Discount-Ripoff-Company-Fraudulent-Overland-Park-Kansas-209184. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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Visit Kew Gardens
Celebration Weekends Join us on 27 to 29 August for a long weekend of activities exploring the beauty of the borders.
Kids' Kew With indoor and outdoor play areas and fascinating facts around every corner, children love Kew too.
What to see in the Gardens Don't miss these seasonal highlights at Kew.
Celebrating The Hive at Kew Explore the journey of the British bee through UK innovation and design.
Treetop Walkway Walk amongst the treetops and enjoy a bird's eye view of the Gardens from the Treetop Walkway.
Early opening for Friends Friends of Kew can enjoy the Gardens from 8-10am before the gates open. Until 30 September.
Royal Botanic Gardens, Kew, Richmond, Surrey, TW9 3AB
Open daily from 10am (closed only on 24 and 25 December).
Closing times vary.
Extended opening hours operate during spring and summer, check for details.
Visit Kew and explore the world's most famous botanic garden. Just 30 minutes from central London, Kew Gardens boasts landscapes, glasshouses, historic buildings and a vast range of rare and beautiful plants.
Save when you book online. Tickets are valid for entry into the Gardens on any one day within 30 days from selected date. Free entry for Friends of Kew.
Extended opening: Enjoy extended opening hours on Friday and Saturday evenings until 27 August.
Looking good this week
Find out what's looking its seasonal best in the Gardens this week.
What's on
Plant of the month guided tours
Explore world-leading science, conservation and horticultural work at Kew via a different plant or fungus group.
The Hive
Step inside and discover the secret life of bees.
Booking tickets
Save money and get fastrack entry when you buy your tickets online. Tickets are valid for 30 days from the selected date, so if your plans change, you can use your ticket on a different day instead.
Become a Friend of Kew
There are many benefits to becoming a 'Friend of Kew', including free entry to Kew Gardens and Wakehurst.
Kew's best bits
Take a look at just some of the many wonderful things to see at Kew.
Kids' Kew
Get a child's-eye view of Kew.
Eat and drink
Choose from a selection of restaurants and cafes run by award-winning restaurateurs, Peyton & Byrne, serving delicious food made from locally-sourced ingredients.


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The German ocean carrier's shareholders of Friday approved all items on the agenda for the annual meeting, most notably including the approval of new authorized share capital, which will be used toward the merger with UASC.
The U.S. Department of Agriculture said the nation's agricultural trade surplus is also expected to increase to $19.5 billion for fiscal year 2017, up 40 percent from $13.9 billion for fiscal year 2016.
With 13 of the top 20 container lines reporting combined losses of $2.5 billion in the first half alone, industry losses will likely range from $8 billion to $10 billion for the full year, according to Lars Jensen, CEO of SeaIntelligence Consulting.
Registration takes less than 1 minute.
However, U.S. beef export volumes to Japan during the month reached the highest amount in nearly two years, totaling 25,836 metric tons.
Ocean carriers MOL, NYK and "K" Line all reported losses in their container segments and lower revenues year-over-year for the first fiscal quarter, which ended June 30.
Ocean carrier Hyundai Merchant Marine joining the 2M Alliance - comprised of Maersk Line and MSC - has fueled speculation about Maersk's ultimate motives, but the short term impact is a larger share on the transpacific trade, especially from Korea.


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Hurricanes Madeline and Lester - Be Ready!
The National Weather Service and State officials are monitoring Hurricane Madeline and Hurricane Lester. The effects of Hurricane Madeline may start impacting Hawaii Island as early as tomorrow (8/30). Lester is still too far away to predict what effects it will have on the state.
Please follow the National Weather Service http://www.prh.noaa.gov/cphc/, other official agencies and local media for the latest weather news.
Stay informed
UH students, faculty and staff are encouraged to sign up for UH Alert to be informed via text message about emergency situations affecting our 10 campuses http://hawaii.edu/alert. Additional campus-specific information will be posted on this page.
Be prepared
Hawaii Emergency Management Agency recommends residents and visitors take the following actions to prepare for any possible hurricane or tropical cyclone:
- Talk with family members about what you plan to do if a hurricane or tropical storm threatens. Make an action plan that includes details such as whether or not your family plans to evacuate.
- Download the Ready Hawaii app from the iTunes or Google Play store. This app can aid in your emergency planning and will list shelters if they are opened for evacuation.
- Walk your property and check for potential flood threats. If time and conditions permit, clear your gutters and other drainage systems.
- Identify small outdoor items that could be picked up by high winds. Make a plan to bring these items indoors if a hurricane/tropical storm watch or warning is issued.
- Prepare your pets by checking or purchasing a carrier and other preparedness items. A pet carrier is necessary for your pet's safety if you plan to evacuate to a pet-friendly shelter. Don't forget seven days of food and water for your furry family members.
- Set aside an emergency supply of any needed medication and keep a copy of your prescriptions in case you run out of medication after a disaster.
- Visitors should download and read the Hawaii Tourism Authority's Travel Safety Brochure at http://www.travelsmarthawaii.com.
posted Aug., 29 11:06 a.m.
UH Alert
UH has a comprehensive system of emergency messaging called UH Alert.
Current capabilities include email and text messaging for faculty, staff and students.
Students, faculty and staff may now sign up online to receive alerts via these channels.
Emergency Information
In the event of an emergency, this page will provide information about the nature of the incident, how to remain safe and when status has returned to normal.
When appropriate, the university will alert faculty, staff and students via email and/or UH Alert. Information will also be provided through campus webpages and local news media.
Reporting an emergency
- Call 911
- Contact campus security or the emergency number for your campus
- Use a campus emergency phone, if available
Preparing for an emergency
- Download Homeowner's Handbook to Prepare for Natural Hazards, a UH Sea Grant College Program book
- Emergency information, from putting together a supply kit to a list of evacuation shelters, can be found on the Hawaii State Civil Defense website.


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East Bay Physicians Medical Group (EBPMG) is actively recruiting a Physician Assistant (PA) to join our team in Oakland. The position involves outpatient care, inpatient care, and surgical first-assisting.
Golden Gate Urgent Care is seeking PA's with minimum one year emergency medicine or urgent care experience to join our team!
GoHealth Urgent Care, a physician-led and technology-driven urgent care network, is seeking progressive and entrepreneurial Family Practice/Emergency Medicine Physician Assistants with adult & pediatric experience for its rapidly expanding centers.
Webster Orthopedics is seeking a full-time Physician Assistant for a busy Joint and Sports Medicine Surgeon.
Single practitioner specializing in shoulder and knee only, looking for one full time PA and one part time PA for busy practice.
St Joseph Heritage Healthcare, in conjunction with Annadel Medical Group and Santa Rosa Memorial Hospital, is searching for a Neurosurgery Physician Assistant to join well-established practice in beautiful Santa Rosa, CA.
Experienced Orthopedic Physician Assistant
The Physician Assistant position is part of a collaborative team model of care consisting of Attending physicians, Fellows, Residents and a team of PA who provide care for patients in Plastic Surgery.
Seeking PA to join busy Neurosurgery practice in Sacramento, CA
Experienced Ortho PA - Desirable Downtown Location
Join one of the most highly regarded ENT physicians in the Bay Area specializing in Otolaryngology and Neurotology/Skull Base Surgery.
Physician Assistant wanted for busy urgent care clinic. Full and part time shifts available.
Physician Assistant for Gastroenterology in Northern California
Collaborative Supervising Phys. On-Site - Santa Cruz, CA!
Join a busy, well-established, physician owned and operated, mid-sized multi-specialty clinic in beautiful Santa Cruz County.
Orthopedic Physician Assistant Needed to Join Solo Practice Near San Jose, California
Excellent opportunity for experienced Emergency Medicine PA in Placerville California
Great opportunity for a pediatric emergency medicine PA at Valley Children's Hospital in Central California.
As Banner Health's employed physician group with more than 1,300 physicians and advanced practitioners across more than 65 specialities, BMG, is transforming the delivery of care.
California - Emergency Medicine Physician Assistant


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Skip to comments.Underlying collapse, a legacy of racism
Posted on 10/04/2008 11:05:02 AM PDT by jrushing
What few today remember is that one of the government's central goals in undertaking mortgage market reform was to segregate American cities by race. As the insurer of much of the national mortgage industry, the FHA fixated obsessively on fears that racial integration would harm real estate values and leave the government responsible for bailing out legions of failed loans.
(snip) Wall Street Street's apologists have tried to blame the subprime crisis on the Community Reinvestment Act, Congress' tepid attempt in 1977 to atone for the FHA's sins. This argument, of course, is completely ludicrous, since the vast majority of subprime loans were made by institutions that were not covered by CRA. Wall Street and old-fashioned greed drove lenders to offer subprime loans, not the federal government.
(Excerpt) Read more at blog.nola.com ...
The CRA lowered standards for minority communities. This led directly to the Boston Fed saying standards could be lowered for everyone, at the sime time Fannie and Freddie were developing new low/no down mortgage products. It is safe to say that the CRA precipitated the mortgage crisis.
Straw man argument there. While it is true that MOST loans were made by mortgage companies, brokers, etc, which were not covered by the CRA, those mortgages were then packaged and sold to Fannie and Freddie, which were covered by CRA and in fact encouraged subprime lending to unqualified people, including many minorities. Fannie and Freddie are on the hook for 50% of all mrtgages in the US, and in 2006 over 1/3 of new mortgages they bought were subprime.
The author of the article uses one true statement (about CRA and lending) to try to refute the argument that CRA was the genesis of the problem with subprime meltdown. If you dig beneath the true statement, you see Fannie and Fredie through their social engineering goals, used CRA to create this monster which threatens to envelop our entire economy.
That is my understanding about this mess. It seems clear to me. This sounds like just another CYA lie.
Wall Street Street's apologists have tried to blame the subprime crisis on the Community Reinvestment Act, )
No need for Wall street to be an apologist for this. Anyone with 2 eyes and 2 ears that work knows that the CRA was very much a part of the reason for the current crisis
Greed of the Government (wanting to gain votes)
Greed of the banks (thinking they could make more money faster)
Greed of the people to buy homes they knew they could not afford.
The consequence is their supporters are being tossed on the streets and foreign investors are crying foul.
The crowd around Obama are too stupid for their own or anyone else's good.
Good point. In fact Biden saw fit to mention during the veep debate that supposedly Obama had warned about the sub-prime problem two years ago. If the Dems thought that the sub-primes were not responsible, Biden would have sneered at Palin's citing of the FMs during the debate. Instead he claimed that his party was ahead of it. Which means they're worried greatly that this could still blow up in their faces.
I think you''re right about that.
The Washington Post is saying that the bailout will be a "disaster at the polls" for the GOP. They're deflecting blame to the Republicans.
I don't know why it hasn't. It's clear that the Dems caused this crisis. Why should they get away with this crime?
Do you know if they have offered any proof of Obama's warning? Is there an article or statement or ANYTHING to prove it? If there is no proof then there was no warning because a TRUE warning makes a blip somewhere - otherwise it is just a "thought"...a "warning" raises the bar.
He betrays knowledge that lots of fingers are pointing at Franklin Raines, Fannie Mae and Freddie Mac (and beyond them, at Bill Clinton and various of his apparatchiks, including, very prominently, the ubiquitous and malodorous Jamie Gorelick) by making a reference to "Wall Street's apologists" and CRA, but then he turns on a dime and blames it all on (white) bankers.
This is political race-pimp journalism du jour, something I didn't think I'd see in the Times Picayune. Looks like the inmates have finally taken over the asylum there.
I've never seen or read anything that discusses Obama supposedly warning about this problem. The very sad fact, for the Dems, is that Obama opposed all attempts at reforming the FMs. Biden mentioning that Obama was concerned doesn't mean anything. He OPPOSED! all attempts at reforming them. That's damning by itself.
Because liberals don't listen to facts. I have a friend who is conservative as one can be yet votes for democrats everytime. He has no idea what they stand for. But he believes everything they say. And, naturally he believes everything the media says. And this guy is Marine Viet Nam vet and is almost retirement age.
I thought redlining was started by racist bankers, not mandated by the FHA. Maybe the Dems want to go back to this kind of Wall Street "Regulation".
The agency, FHA, mapped the racial composition of 250 American cities and automatically color-coded predominantly African-American and mixed-race neighborhoods red, refusing to insure loans in those areas (and creating a practice known as "redlining.") This guaranteed that banks, which desperately needed federal insurance to do business during the Depression, would not offer loans to people of color or to anyone living in integrated neighborhoods.
That is so true. My mother-in-law said, "I was born a Democrat & I'll die a Democrat."
You can't argue with that kind of thinking. I guess facts don't matter.
I keep the hope that someday, they will.
The truth - a real estate market bubble, the size and scale of which was attainable in the U.S. mortgage market ONLY by the government backed ability ( and negligence) of Freddie and Fannie to fund (buy, and then securitize) the vast majority of mortgages that that bubble needed.
The truth - the bust of that real estate bubble; which, in a more normal, less excessive fashion (one in which the taxpayer guarantee to Freddie and Fannie did not operate as a black hole into which excessive mortgages could be funded), would have been a normal economic slowdown.
The truth - contained within the bubble when it burst was a massive amount of mortgages intentionally of less than normal credit worthy standards - intentionally following mandates of both the CRA and the political mission of Freddie and Fannie.
The truth - the massive amount of intentionally mandated mortgages with less than normal credit worthiness carried, and achieved, a higher rate of default when the bubble burst (which the underlying less than normal creditworthiness predicted), but, with the excessively greater than normal volume and scale such mortgages had been allowed to achieve - intentionally by government sanction - that default rate accelerated, and widened (reflecting the scale of those mortgages that had been permitted) every negative feature of a normal real estate market decline - a more rapid decline in property values, a larger rate of foreclosure, a larger and faster rate of decline of underlying bank assets - supported by the mortgages - and a larger and faster rate of growth of bank liabilities.
The scale of the crisis is relative to the scale of the underlying asset and liability issues. That scale was facilitated and enabled predominately by the behavior of Freddie Mac and Fannie Mae and was most likely not possible to have been reached without their government mandated and negligently administered interference in the markets.
"Wall Street" did not create the crisis, it entered, willingly, a toxic environment facilitated by the massive scale of negligent market intervention achieved by Freddie and Fannie.
(Excerpt from Atlanta Journal Constitution, November 4, 2007)
Blacks dominate subprime loans.
By Carrie Teegardin (email@example.com)
National disparity: Lenders aggressively target minorities for mortgages with higher interest rates.
Black Americans of all income groups were much more likely than whites to take out high-interest sub-prime mortgages when buying a home, making them more vulnerable in the ongoing mortgage meltdown.
Nearly half of the blacks who bought a house in 2005 or 2006 ended up in the high-interest mortgage, compared with 13 percent of white home buyers, according to an AJC analysis of federal mortgage debt.
The disparity was striking, even in a comparison of home buyers with similar incomes. Among black home buyers making more than $100,000 a year, 41 percent got a sub-prime mortgage, compared with 7 percent of whites in the same income category.
(For the rest of this piece, you may be able to find it at AJC.COM)
The truism "People operate on the basis of EMOTION rather than LOGIC" was created explicitly for the Democrats/liberals.
The government opened up the floodgates to non-CRA loans (e.g. $300,000 NINJA) to maintain the illusion that the CRA loans were solvent. Otherwise the CRA loans would have crashed around 2005 or so.
BTW, has anyone seen the videos of the voter fraud in Ohio on Michelle Malkin's site? "Thug thizzle" ?? /hijack>
Activist groups were encouraged to agitate by the Carter-era Community Reinvestment Act, which enshrined in law a kind of lending protection racket. Banking regulators were given the power to make trouble for banks that failed to lend enough money to so-called underserved communities. Banks that paid enough -- whatever that means -- got left alone, but banks that didn't, got their legs broken....
After CRA came into effect, Saul Alinsky-inspired "community organizer" groups such as Greenlining, ACORN, and National Council of La Raza got into the shakedown business. They preach the hateful class-warfare rhetoric of their fellow community organizers Jeremiah Wright, Jesse Jackson, Al Sharpton, and Michael Pfleger.
They rage against capitalism and demand crushing taxes and aggressive wealth-redistribution programs. They demand more government spending on social programs, a higher minimum wage, and gun control. Depending which way the economic wind is blowing, they demand more subprime lending, or curbs on subprime lending, which through the magic of dysphemism, is linguistically transformed into "predatory lending."
His statment, "majority of subprime loans were made by institutions that were not covered by CRA" seems to be false.
I thought it was a fact that all mortgage lenders had to follow the CRA rules or be subject to investigation. Isn't this correct?
Questions raised from your comment;
Were most sub-prime mortgages bought and securitized by Fannie and Freddie?
What lending institutions were exempt from CRA and when?
What percentage of CRA exempt lending institutions had their mortgages bought and securitized by Fannie and Freddie?
Who wound up purchasing these sub-prime mortgage securities and did they know the the specific risk of what they were purchasing?...or was the risk hidden by Freddie and Fannie?
Alright frog, you made me look up that one.
dysphemism 1. a deliberate substitution of a disagreeable, offensive, or disparaging word for an otherwise inoffensive term, as pig for policeman.
I was always amazed at the way they turned these "loans for the poor" into "predatory lending".
You gottta have a victim.
It was my impression that both small and large lending institutions are subject to CRA regulations although testing for larger lending institutions is more stringent.
I too would like to see more definitive information on this.
So, Lehman Brothers . Bear Stearns , AIG and the whole US financial system is going under because minorities bought too much house...
The way I understand it is that the FM's bought all of these loans, good & bad. They bundeled the loans together & sold them as securities/investments to the companies that you mentioned & others. Now no one wants to buy these "toxic" securities because no one knows what they're worth. These companies now have to write down these assets as worthless which can push the company into default.
Anyone, feel free to jump in & correct this because my understanding of the problem is very limited.
"Were most sub-prime mortgages bought and securitized by Fannie and Freddie?"
Yes. That does not mean they are held by Freddie and Fannie today. In fact, regulators preferred that Freddie and Fannie NOT hold MBS instruments themselves, but sell them to the commercial banks.
"What lending institutions were exempt from CRA and when?"
I do not know that answer.
"What percentage of CRA exempt lending institutions had their mortgages bought and securitized by Fannie and Freddie?"
I do not know that answer, but can say that a lending institution's relationship to the CRA was neither a needed qualification or a disqualification for Freddie and Fannie to buy and securitize it's mortgages.
"Who wound up purchasing these sub-prime mortgage securities and did they know the the specific risk of what they were purchasing?...or was the risk hidden by Freddie and Fannie?"
They were purchased and sold, and re-sold, and re-sold to and among financial institutions around the world. One element of "specific risk" was not "specifically" "hidden" by Freddie or Fannie - or anyone else. That particular risk was the risk implied by the mortgage rate and type of mortgage (prime or otherwise). An MBS carries a sort of "net" "risk" in that area because a single mortgage package, once securitized (bundled and sold in shares of the 'package') can contain mortgages at different mortgage rates as well as mortgages of different types. The specificity of risk of single mortgage is not "hidden" in an MBS, it is lumped with the net risk of the entire package.
Another area of "risk", or lack of "risk" was not only not "hidden" but was accepted as FACT throughout the markets - would the originator of an MBS (Fred/Fan) stand behind it - no matter what. The Fred and Fan issues were considered as good as gold - that, in a crunch, the American taxpayer would bail them (Fred/Fan) out. That was a two-way good-good street for Fred/Fan and the markets they sold their MBS into - they could get a better price than could institutions that did not have the presumed government guarantee that Fred and Fan had, and those that bought them took them to be as safe as U.S. Treasury notes.
LOL! I stopped reading right there. This guy, Mr. John Kimble, gives the federal government wwaayy too much credit at being organized and efficient.
Wall Street and old-fashioned greed drove lenders to offer subprime loans, not the federal government.
This line kills me! I defy anyone to explain how "old-fashioned greed" leads someone to loan money to someone who lacks the ABILITY to repay it. This might make sense if they were loaning twenty percent of value and could repossess and sell at market and keep the total but that is not the case. I used to get solicitations offering to lend up to one hundred and twenty five percent of appraisal on my property.
The thought process was this: If I can get this loan made and repackage it out before he defaults, then I have made my money. That is the greed part.
If I can get this loan made and repackage it out before he defaults, then I have made my money. That is the greed part.
That is understanable but without the ability to sell the loan to someone else without recourse greed would not motivate a person to make a bad loan. Greed also does not make a third party buy into a bad loan, something else had to be involved and that was government interference in the process. Free financial markets are fairly self correcting, we could never have had anything like the mess we have now simply because of greed.
I am sure that you yourself understand what is going on here but I run into some people who rant about greed as if the mere fact that someone is greedy allows them to make huge sums of money, even though in reality a lot of people who are quite selfish and greedy end up with very little. Of course greed is a vague term anyway, just how much can someone have without being greedy? It depends on who you ask.
My own idea of real greed tends to run toward the kind of person who would rather not make money than have to share it with someone else. A good example would be a local man who had a business selling plants, especially daylillies. When he decided to retire from it the sensible thing to do would have been to have a half price sale and sell as much as possible and then wholesale the rest and be done. Instead he just quit maintaining his gardens and sold only what he could sell at full retail. I stopped once and inquired if he would wholesale and he flat refused, he let most of his stock wither and die rather than take a penny less than his retail prices for anything. I believe Aesop's story of the dog in the manger was written to illustrate the attitude this man had.
The greed factor comes from 5 sources.
First,the mortgage lenders were using basically free money (paying very low interest on the money they borrowed) to make these subprime loans. They knew they would see a higher rate of foreclosures on the subprime loans, but they didn't expect the current rate of foreclosures. They were projecting huge profits on these types of loans due to the large interest rate spread, and they got them for a while. Still, they made the loans for short term profit, knowing they would be able to unload them on the Freddie's and Fannie's, which they loved as it was nearly risk free in the short term.
Second, the inherent greed on the part of large investors for ever higher "returns on investment" created the market for the first level of derivatives, the collateralized debt obligations. The bundling up of all these high-risk mortgages into a supposedly safe, high return investment with a triple A rating, which was bought by the trillions of $s by the institutional investors. This securitization of mortgages was supposed to spread risk, but instead has created the current fundamental lack of confidence in the entire financial system.
Third level of greed comes in with the derivatives on top of derivatives scheme, creating this huge and unsupportable ponzi scheme, again and still in search of those high returns on investment. The credit default swaps sold by insurance companies to the lending banks, insuring the first level of securitized derivatives but without collateral, then exposed not only the huge banking industry but now also the huge insurance industry.
When the bubble burst and foreclosures started climbing, the entire house of cards started to collapse because basically you have way too much debt to real assets, and everyone running out of liquidity to meet obligations, leading to this domino effect of bankruptcies.
The fourth level of greed comes from the political class idiots who engineered this debacle, with the intent of pandering to certain voters who, as always, are after more "free stuff and gimme;s". Political greed means doing anything it takes to get re-elected.
The fifth level of greed is the fact that millions of people bought more house than they could afford and is the underlying cause of the mess, Much of that is greed but a lot of that is also human nature, wanting a better lifestyle. Greedy speculators who were buying houses as investments continued to drive up housing prices, which helped create the bubble and delayed the inevitable crash. Homebuilders who flooded the housing market with millions of new units in the past decade have contributed to depressed market as well, creating a huge oversupply of houses.
A lowering of underwriting standards and ignoring risk management safeguards at all levels (private, business and government) has driven us to the point where we may actually be looking at another depression economy.
Thanks for the explanation but to my simplistic mind it still seems to come down to this, if the government hadn't changed the rules of the game, greed alone could never have created such a mess.
I think the real greed will be found to reside with our elected representatives as you mention in your fourth level of greed.
The CRA's purpose was to offset red-lining which may well have occurred in some places, altho from various things I've read, not proved. BUt accusation is just as effective as fact, as we all know. Banks did have a tendency to want to make loans that would be repaid, and if that meant that loans were denied to people and areas not considered good risk, that was considered red-lining by some.
CRA was to neutralize this. Any bank that was a depository of funds guaranteed by the FDIC was included.
From the act itself: "The CRA requires that each insured depository institution's record in helping meet the credit needs of its entire community be evaluated periodically"
We all know what govt means by "helping" and "evaluated."
Unfortunately, meeting the alleged credit needs of the "entire" community trumped sound lending policies, and the "evaluation" was more a legal weapon used by virtually any group who decided to hold a bank hostage to get what it wanted. No bank wants to be in court for years or called racist. Nor does it want to be the govt's enemy.
Now, regardless of who was involved in the sub-prime loans, that is not the main issue, which is that CRA began the descent into mortgage hell that snowballed into all kinds of lending messes that Fannie and Freddie gobbled up to keep things rolling to meet "social" and bonus quotas. As soon as it was known that risky loans could be easily sold off at no pain to the originator, all kinds of people other than banks got into the act and made lending a hot-potato game.
Lower standards became the norm, and it all escalated into a race to make loans, take a fee, then get rid of the bad paper to an agency more than willing to buy it, all in the name of social engineering and higher bonuses. Throw in Wall St. investing in these shaky enterprises, and we have today's debacle.
But leave it to the so-called experts to take one element and use that as the primary explanation. It didn't start out as greed, but rather need -— the need to toe a line created not by main street but by DC.
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- Report: #601948
Report - Rebuttal - Arbitrate
Complaint Review: Platinum Protection & Monitronics
Platinum Protection & Monitronics1261 S 820 E STE 300 AMERICAN FORK, Utah United States of America
Platinum Protection & Monitronics MONITRONICS DECEPTIVE BILLING PRACTICES AND LONG CONTRACTS THAT THEY WON'T LET YOU OUT OF AMERICAN FORK Utah
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The have sent us letters saying they are switching billing from Platinum to Monitronics and then they didn't bill us for 3 months. Then they sent a letter saying no we are switching back to Platinum and then ANOTHER letter saying no we are switching back to Monitronics. Then again back to Platinum. Then Platinum tried to bill us for the 3 months all at once. I called to complain and then they said they would give us a credit. They did then tried to bill us again later. We then moved to a new home and our new home was one story. When they came out to hook us up in our new home they said to get the windows covered it would be $2000. I refused to pay that much so we now have a useless service and they won't let us out of our contract. They want us to pay 80%. I said we are not paying for something that we are not using. Then I asked to speak to a supervisor and the rep refused his name was Sterling Davis. He said he was the end of the line. I have since filed a complaint with the better business bureau. I am one of 404 complaints against their company.
This report was posted on Ripoff Report on 05/11/2010 07:46 AM and is a permanent record located here: http://www.ripoffreport.com/r/Platinum-Protection-Monitronics/AMERICAN-FORK-Utah-84003/Platinum-Protection-Monitronics-MONITRONICS-DECEPTIVE-BILLING-PRACTICES-AND-LONG-CONTRAC-601948. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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- Report: #107790
Report - Rebuttal - Arbitrate
Complaint Review: Nationwide Cybersystems
Nationwide Cybersystems6030 Hollywood Blvd. #140 Hollywood, Florida U.S.A.
Paul Pemberton And Bart Pemberton Sold these systems on the basis of proper site locating. Said they had prime sites...But never lived up to those promises. Hollywood Florida
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Both my friend and I had enough sense to be cautionary about the potential locations for terminals. We were TOLD that Nationwide Cybersystems had a location team that was getting top-quality, high-traffic sites for their so-called business partner/investors (more on that in a little bit). They made a big point about SAYING that this is how they differed from their competition. They had the location team and their competition did not.
What's the reality of that?
It is now coming up on a year I have only been able to locate 4 out of his five terminals. Most of the sites Nationwide sent were "B" or "C" grade hotels with low occupancy projections and marginal meeting facilities.
Originally, we had been told that the standard "percentage" owed to owners of the sites would be 10-20%. In desperate attempts to get locations, Nationwide was often trying to get mus to take sites asking 30-40% (An attorney later told me that this was a "reasonable" percentage for a vending operation...of course you couldn't explain to the attorney the difference between this unit and a soda-dispensing machine.)
Of course, we would have gladly agreed to such terms in high-traffic locations with high potential. However, that is NOT what was being offered.
What about other high-traffic areas like airports? At the outset Nationwide Promised such sites to those who bought enough units. Even though I invested in 5 machines, I was told by Nationwide at first that he would not qualify for placement in the Atlanta Airport. That "deal" which Nationwide was supposedly working out was going to go only to the "largest" of their investors.
It was only after I took his complaints all the way to the President's office at Nationwide that I was promised (none of this would ever be put in writing as was requested time and time again) that I would be allowed to move his machines to the airport "deal" if my machines were not place by the time the agreement had been reached and only if they were not making money.
It's a year later, and none of my machines are making money and nothing of this promise has been kept. Our instincts are that the airport never bought into the Nationwide scheme ---
The leadership at Nationwide put out enthusiastic "reviews" for sports bars as places to locate the terminals. I didn't feel it in my gut, but with no other prospects, finally reconsidered and took the Nationwide advice. I have two units in sports bars/restaurants in some of the most high-traffic areas in Atlanta. They are pulling in more money than the other two locations (motels) but that's not saying much: total earnings about $12 a month maximum to date. That won't even cover the cost of the DSL hookup which YOU, the owner has to pay for after the first year of ownership of your systems.
We just heard yesterday from one of the vendors we called to try to get my 5th. unit out of storage and sent back to Pemberton/Nationwide about the class action lawsuits. We're trying to find out how to get in.
I haven't been working for two years and relied on all the "projected" data this company put out as a viable business opportunity that was supposed to be my ONLY means of income. Sad to hear there are so many that share this EXACT same experience.
Kennesaw, Georgia
This report was posted on Ripoff Report on 09/10/2004 09:26 AM and is a permanent record located here: http://www.ripoffreport.com/r/Nationwide-Cybersystems/Hollywood-Florida-33024/Paul-Pemberton-And-Bart-Pemberton-Sold-these-systems-on-the-basis-of-proper-site-locating-107790. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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I have some troubles with this widget. Here is my page: http://www.insieme-boys.de, there you can see that the widget is too large for the page. The name of the upcoming event is "FC Ingolstadt 04 - 1860 München" but there is only "FC Ingolstadt 04 - 1 (..) München".
Please tell me how to fix that.
Best regards
Philpp Englschall


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See all ›11 Citations
See all ›8 References
Lead–tin mirror formation from mixtures of red lead and tin sulphide
Mosaic gold, tin (IV) sulphide, is a yellow pigment which was known in antiquity but whose use was superseded by other more easily obtainable yellow pigments by the Renaissance. The identification of mosaic gold residues in a burnished golden mirror decoration on a XIIIth Century Spanish polychrome statue is important in that the first reference to the use of mosaic gold in the European literature dates from the XIVth Century, although the use of this material in China had been recorded some time before. In this paper, Raman spectroscopy, XRD and SEM are used in the analysis of the conditions required for the formation of golden mirrors using tin (IV) sulphide in admixture with dilead (II) lead (IV) tetroxide and mercury (II) sulphide. From these results, it is proposed that the major reactions are the reduction of Sn(IV) to Sn(0) with the accompanying oxidation of lead (II) oxide to lead (IV) oxide and the formation of lead (0) and lead (II) sulphide. From these results it was possible to explain the process of creation of the golden mirror from mosaic gold in the XIIIth Century.
- CitationsCitations11
- ReferencesReferences8
- [Show abstract] [Hide abstract] ABSTRACT: This Tutorial Review shows how Raman spectroscopic and microscopic techniques are utilised for non-destructive characterisation of archaeological artefacts and provide novel information for art historians and hints at the use of ancient technologies for the production and treatment of materials and skeletal remains.
- [Show abstract] [Hide abstract] ABSTRACT: Raman spectroscopic studies of four specimens from an important angel wall painting in need of conservation work in a medieval church have provided some information about the pigments and pigment compositions which will influence possible future preservation and restoration strategies. Excitation of the Raman spectra at 1,064 nm in macroscopic mode and at 785 nm in microscopic mode revealed that the white pigment on the angel's wings was a mixture of barytes with calcite and lead white in minor composition. Although the specimens provided were not directly associated with coloured regions of the painting, yellow and blue microcrystals were found and they were identified as chrome yellow and lazurite, respectively. Red and brown particles were identified as cinnabar/vermilion and haematite. Several green particles were also found but could not be identified. The green and blue crystals could be related to neighbouring coloured regions of the artwork and the yellow colour could be identified as a background to the angel figure. Particles of carbon were found to be dispersed throughout the specimens and can be ascribed to soot from candles, heating stoves or oil lamps providing lighting in the church. No evidence for biological deterioration was found from the spectra. The unusual pigment palette is strongly suggestive of a later date of painting than was originally believed but there is a possibility that an earlier rendition exists underneath. Following a review of the spectroscopic data, a more extensive sampling protocol is recommended, from which some stratigraphic evidence could identify the underlying plaster and possible artwork.
- [Show abstract] [Hide abstract] ABSTRACT: Corrosion from the surface layer of the printing plates of 'Guan Zi' paper currency, Southern Song Dynasty, China, was analysed by Raman spectroscopy. The result indicates that litharge (α-PbO) and hydrocerussite (Pb3(CO3)2(OH)2) are the primary phases of the corrosion. Lead degradation mechanism and XRD analysis suggest that there is cerussite (PbCO3) in the corrosion as well. On the basis of these results preservation of the 'Guan Zi' plates is discussed. Copyright © 2006 John Wiley & Sons, Ltd.
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Data provided are for informational purposes only. Although carefully collected, accuracy cannot be guaranteed. The impact factor represents a rough estimation of the journal's impact factor and does not reflect the actual current impact factor. Publisher conditions are provided by RoMEO. Differing provisions from the publisher's actual policy or licence agreement may be applicable.
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I recently finished the following game, in which I think neither player made any gross error until the end. Even before black's final move, computer analysis gives white an advantage of over 3 points (with a material advantage of only one point). So where did black go wrong?
As you said, 7...dxc4 was a mistake. Nbd7 and b6 would both be better. I don't think 13...cxd5 is as good as Nc5. 18...Ng5 looks inaccurate as well. Nf6 and even Nd6 look better. Black takes way too long to mobilize the queenside and pays for it.
20 Nxf7! Kxf7 21 f5 and game over!
black had no knowledge of the opening whatsoever. cxd5 is a game losing error. Bb3 is bad cause of 13. Nc5 and then you have a bad bishop on c2 obstructing your rook file
my advice: stick to e4 till you're 2500
Not quite game over: chess.com computer analysis gives the line 20. Nxf7 Kxf7 21. f5 Re8 22. fxe6+ Bxe6 23. Bxe6+ Rxe6 24. Rc7+ Kf6 25. Rxe6+ Kxe6 26. Rxg7 Rd8 27. Rxb7 Rd2 28. Rxh7 Rxb2 29. Rxa7 with a three pawn lead into the endgame. It gives 20. f5? a question mark because it doesn't seem to find 21. Bxf7, which gives a better result than the suggested 21. Bd5. Then again, since I don't have a membership, the analysis depth is lesser compared to Shredder.
As for cxd5, I wouldn't call it game-losing: it's worth only one point according to computer analysis, and I was up by three points by move 32.
And why would I stick to e4 when I'm much more familiar with d4?
Nice game only one mistake in the ned that is 32. Rg6! and mate in 2 after Rh7 and Rh8 mate
Wow that was an amazing game. I am a pure queen's gambit player and I felt like a learnt a lot from this. Keep up the good work :D
13. d5 gets a double exclam? Really?
Yeah, even the computer seems to think that it was an inaccuracy. Let me change it to !?...
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- Report: #859849
Report - Rebuttal - Arbitrate
Complaint Review: Diet Patch Today
Diet Patch TodayInternet United States of America
Diet Patch Today www.DietPatchToday.com Don't do it! This company is a big rip off! Internet
*REBUTTAL Owner of company: The Patch (DIET PATCH)
*Author of original report: Yep - No surprise there!
*UPDATE Employee: Customer Signed Up For A Trial
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This report was posted on Ripoff Report on 03/27/2012 06:46 AM and is a permanent record located here: http://www.ripoffreport.com/r/Diet-Patch-Today/internet/Diet-Patch-Today-wwwDietPatchTodaycom-Dont-do-it-This-company-is-a-big-rip-off-Intern-859849. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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#1 REBUTTAL Owner of company
The Patch (DIET PATCH)
AUTHOR: Karen - ()
SUBMITTED: Tuesday, February 25, 2014POSTED: Tuesday, February 25, 2014
The ad came up interfering CONTINUOUSLY on the screen...on EVERY screen I tried to be on. It was a hopeless complete nuissance! Finally, I succummed...for $1.95 I thought it does'nt hurt...got the package...and before long I got additionally, another bill on my statement for $89.97.
At some point I called them beforehand. I could not get through...
The next thing I see is an ADDITIONAL BILL on my statement for $89.97!
I call them...they said they didn't have any documentation of my calling to cancel...(previously, mentioned...while I had problems connecting..during trial period!) The urgency to call during that period , as I found out...was in very small print...while they're waving ad this in your face !
I called up for refund...they are NOT accomodating me whatsoever...FURTHERMORE...this diet patch DOES NOT WORK!!!
I even offered to send back the package...BOTH packages!!! if necessary, to have them comply to my wishes.
I have NEVER seen anything like this...I asked them what they can do for me...they were completely unfeeling and unacceptably, unaccomodating!
I am infuriated by all the hassles I've been through just for my refund...I've had SO much aggravation over this.
It is obviously, a scam...therefore, I would like you to help me get my refund of $89.97 credited back to my account...actually, in a check at this point!!!!
Thank you.
PS...I tried contacting them on the given site from the package...www.DietPortalToday.com...but with no response! The tel # I called was # 877-773-5152.
Are you an owner, employee or ex-employee with either negative or positive information about the company or individual, or can you provide "insider information" on this company?
#2 Author of original report
Yep - No surprise there!
AUTHOR: Cindy - (United States of America)
SUBMITTED: Wednesday, March 28, 2012POSTED: Wednesday, March 28, 2012
Are you an owner, employee or ex-employee with either negative or positive information about the company or individual, or can you provide "insider information" on this company?
#3 UPDATE Employee
Customer Signed Up For A Trial
AUTHOR: DietPatchToday - (United States of America)
SUBMITTED: Tuesday, March 27, 2012POSTED: Tuesday, March 27, 2012
Customer can see the last step of the order page here that shows the terms and conditions box is required to be checked (Also notice the condensed version of the terms to the left of the page as well):
The full terms and conditions the customer agreed to are located here (They can also be clicked on on the order page, on the home page, and in the email sent to the customer after their trial order was placed):
The customer was sent the 14 day trial and the product was delivered to the customer.
Customer did not cancel within the 14 days like agreed to if they did not want to pay for the product and was charged the full price for the product.
The trial period does begin on the order date and that is disclosed both on the order page, the terms and conditions that are required to be agreed to, on the main website, and a link to the terms and conditions are emailed to the customer with their order. We extend trials all the time for people who email or call in before the 14 day window has passed and are always happy to give customers more time to try the product.
We also allow customers to return the product if it is not used for a refund if that is what the customer wishes to do. We do not do anything that is not disclosed on our website, is required to be agreed to before placing an order, and is sent to the customer.
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Search: Black Joe Lewis & the H…Search profiles »
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Beck, Belle and Sebastian, Ben Harper, Björk, Black Flag, The Black Keys, Bloc Party, Blockhead, Bloodhound Gang, Bob Dylan, Bob Log III, Bonobo, Br5-49, Brian Eno And David Byrne, Brian Setzer, Brian Setzer Orchestra, Bright Eyes, Bright Eyes & Neva Dinova, Broken Bells, Buck Owens,
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Clutch, Joe Cocker, Lionel Richie, Metallica, Otis Redding, Ol Dirty Bastard, Pearl Jam, Prince, Ice Cube, Black Keys, Bruno Mars, Garth Brooks, Motörhead, Sammy Kershaw, Soundgarden, Garth Brooks, Stevie Wonder, Billy Joel, Alice in Chains, Toadies, ... Gorillaz, Hall & Oates, Randy
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Here's a random list of some of the my favorites- Requiem for a Dream, Pi, Black Swan, The Fountain, Only God Forgives, Drive, Bronson, Brazil, City of God, The Fall, Perfume: The Stor
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random sampling of each:Books: Yeah, I've read some of those... I dig on some of Max Brooks, J.R.R. Tolkien , Chuck Klosterman , and Kurt Vonnegut's works... It's kinda bad, but the majority of my recent reads have been in the form of graphic novels and comics such as The Walking Dead , and G.I. Joe
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Santa Bárbara, town, northwestern Honduras. It lies in the hot lowlands near the Ulúa River and west of Lake Yojoa. It was founded in 1761 by settlers from Gracias. Santa Bárbara is a commercial centre. The raising of livestock and the cultivation of sugarcane are the principal economic activities in the hinterland; palm hats, clothing, and furniture are made in the town. Ruins of the colonial city of Tencoa are nearby. Santa Bárbara is reached by a branch from the Inter-Oceanic Highway, and it has an airfield. Pop. (2001) 15,023.
Learn More in these related articles:
country of Central America situated between Guatemala and El Salvador to the west and Nicaragua to the south and east. The Caribbean Sea washes its northern coast, the Pacific Ocean its narrow coast to the south. Its area includes the offshore Caribbean department of the Bay Islands. The capital is...


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SFPE | Facility Executive - Creating Intelligent Buildings
Inadequate building design contributed to the deaths of 92 children and three nuns at Our Lady of Angels.
Inadequate building design contributed to the deaths of 92 children and three nuns at Our Lady of Angels.
December 1, 2013 Marks 55th Anniversary Chicago School Fire
Content related to 'SFPE'
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Americans Have Alarming Misconceptions About Fire Safety3 years ago
New SFPE Survey finds Americans feel safer at home than in a commercial or public building.
February 20th Marks 10th Anniversary of Station Nightclub Fire3 years ago
Circumstances behind deaths of 100 concertgoers at West Warwick, RI nightclub 10 years ago were strikingly similar to those of the recent Brazilian nightclub blaze, which killed 230 people.
Are Your Occupants Worried About Fire?4 years ago
A survey by the Society of Fire Protection Engineers found two other facility issues of more importance.
SFPE and Bentley Systems Announce Memorial Grant4 years ago
The purpose of the Chief Donald J. Burns Memorial Research Grant is to integrate information modeling as a means of improving infrastructure safety and first responder preparedness.
Virginia Tech Promotes Fire Safety In Residence Hall Rooms5 years ago
Oak Flame 2011 featured two mock residence hall rooms that reflect contemporary designs and building codes and, like many rooms, feature elements such as decorations and unapproved curtains that violate existing fire safety rules.
Survey Finds Americans Typically Misjudge Fire Safety Risks5 years ago
Survey reveals that 70% of Americans feel safer from fire at home than in a commercial high rise building, and another 24% feel no difference in their safety.
Salaries Remain High for Fire Protection Engineers5 years ago
The median USA total compensation for fire protection engineers is now $110,500, a 12.5% increase since the previous survey was conducted in 2007.
Protecting Elderly Populations In A Fire6 years ago
In a recent nationwide survey conducted by the Society for Fire Protection Engineers (SFPE), Americans correctly identified adults age 65 and older as the most at-risk group.
Americans Rank Building Security as #1 Feature7 years ago
The results of this survey revealed 28% of Americans feel security is the most important feature, while 12% of respondents indicated that fire safety is the most important aspect of a building's design.


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I am working on a site that needs to be in both in English and in Spanish. I have looked around and seen that there are a couple plugins that will do site translation. Can anyone speak to the reliability of these plugins?
My other option is to build an English version of each page and a Spanish version of each page. The landing page of the site would be a "choose your language" page. Is there anyway to make it swapable? So for example if I was on the English "about" page and wanted to go to the Spanish version, I could just click a button on the page?
Many Thanks


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Kem's books for young readers include Grace Akallo and the Pursuit of Justice for Child Soldiers, Refugees: Seeking a Safe Haven, and The Underground Railroad in American History, and biographies of Nelson Mandela, Mohandas Gandhi, Anne Frank, Lucretia Mott, and Eleanor Roosevelt. Her articles and book reviews have appeared in The Washington Post, the St. Louis Post Dispatch, Christian Science Monitor, Scholastic News, Cobblestone, and The Five Owls. She is also a contributor to the Dorling Kindersley Eyewitness Travel Guides.
Kem works at the Pulitzer Center as an editor and mentor for the university student fellows who receive international reporting grants. She also edits "Untold Stories" and e-books for the Pulitzer Center—most recently Flight from Syria: Refugee Stories. Her reporting projects include writing on children at risk in Congo, Haiti, Bangladesh, and India. Kem co-authored the Congo's Children e-book with Jon Sawyer.
A graduate of Yale University, Kem majored in English and French. She was a teacher for many years: creative dramatics in elementary schools, English and drama in high school, and writing in the BFA program at the Corcoran College of Art + Design. Visit www.kemsawyer.com.


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Almost all the parts of a pair of jeans can be used in recycled crafts. This is a guide about jean pocket crafts.
This is a purse I made for my 7 year old daughter and her friend. I used an old pocket from my husband's old jeans. Carefully cut right along the edge of the pocket. You can use "Fray-Check" on the sides to keep it from raveling later.
A lot of fun. First, paint your heart. I painted the wood heart to match with acrylic paint. While it dries you, can cut out your pocket.
This craft is easy and very versatile. Cut 1/2 inch around a blue jean pocket with a pinking shears. Attach a ribbon or shoelace to each top side of the pocket for a hanger. Fill with a pen, pad of paper and some markers. These are great for the car and hanging near the phone. Enjoy!
By Tedebear from San Jose CA
In just a few easy steps, your child can turn an old pair of jeans or shorts into a couple of pen and pencil holders that mount easily in a school locker.
Approximate Time: About 30 minutes
By Mom of 1 from Wilkesboro, NC
Create a pocket on a notebook to hold pens, pencils, notepads, etc. Kids will enjoy personalizing the pockets. A great way to recycle old jeans/pants pockets too!
Approximate Time: About 20 minutes
By Rachel's Mom from Wilkesboro, NC
With growing boys, I have had my share of well-used blue jeans. Here are a few things I did to get one more use out of them:
I cut the pocket out (still attached to the jeans) and used a hole punch to put two holes in the top, then put yarn through the holes and hung in the kitchen for a bread tie holder. I also used it to hold recipe cards, thread, and those small objects that just seem to accumulate in the junk drawer and often poke you in the finger!
I have also attached magnets on the back with super glue and used on the fridge for a note pad and pen. I cut the legs off and duct taped the bottom together and used the bag to tote garden tools around.
By Renee from Slatedale, PA
Turn your old torn jeans into a wreath. Make sure to cut the pockets out, they really can add to a wreath.
By Karen from Tinley Park, IL


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The Watermelon Patch
Four Days of Open Play (Pay $9), One Parents' Night Out Session (Pay $10), One Kids' Night In Session (Pay $16), or $100 to Spend on Any Party Package (Pay $49)
special delivery
shop unique gifts and deliver them with style
easy, flexible delivery
print it out, email it now, or schedule it for a later date--it's up to you
personalized email
Emailing your gift? Write a message, select a theme, and hit send. The price you paid will not be displayed in the email.
special printed voucher
Delivering the gift in person? Choose a theme, print it out, and pass it along to that special someone. It's that simple.


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Cal Poly SLO routs San Jose State 79-52
SAN LUIS OBISPO, Calif. Amaurys Fermin scored 17 points to lead Cal Poly-San Luis Obispo to a 79-52 season-opening victory over San Jose State Saturday night.
Will Taylor had 12 points and 13 rebounds for the Mustangs, who owned a 47-26 edge on the boards against San Jose State and built a 40-27 halftime lead. Maliik Love also scored 12 points for Cal Poly.
Keith Shamburger had 13 points and Wil Carter 12 for the Spartans, who also played their first game of the season.
The Associated Press


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- Report: #971034
Report - Rebuttal - Arbitrate
Complaint Review: getcafecup.com
getcafecup.comInternet United States of America
getcafecup.com tell you 10.99 but really 24.97; no chance to review before charge Internet
*Consumer Suggestion: Here's what I found on their order page...
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This report was posted on Ripoff Report on 11/18/2012 02:53 PM and is a permanent record located here: http://www.ripoffreport.com/r/getcafecupcom/internet/getcafecupcom-tell-you-1099-but-really-2497-no-chance-to-review-before-charge-Interne-971034. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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#1 Consumer Suggestion
Here's what I found on their order page...
AUTHOR: Ken - (USA)
SUBMITTED: Sunday, November 18, 2012POSTED: Sunday, November 18, 2012
Offer Details: Introducing Caf Cup, the reusable, universal coffee cup that you can fill with your own coffee to work in your single cup coffee maker. Get 2 Caf Cups and a Caf Scoop for only $10.99 plus $6.99 S&H. Order now and we will double your offer, just pay a separate fee of $6.99. That's 4 Caf Cups and 2 Caf Scoops!
Guess you somehow missed this.....It totals $24.97.
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I stumbled across a hashtag on Instagram this past weekend which read: #onlinefriendsareREALfriends I found it humorous because obviously a hashtag like that wouldn't have been created unless someone felt the need to validate an online friendship to a 'non-believer'. Back in the mid-nineties I was a firm non-believer, myself. Remember when AOL was the […]Read the rest of this entry »
Archive for the 'The Blogosphere' Category
Aug 26
Oct 26
Another Goodbye
We all have our favorite blogs to read. The same way a parent fumbles with the words when asked which of her children she loves the best, the same is true with blogs. They are all special in their own way. I can think of some common reasons why people would support, encourage and stand […]Read the rest of this entry »
Apr 20
A couple of useful websites
Know what I learned yesterday? My blog friends will listen to me whine and complain when I'm sick and not one of them will say, 'Suck it up, you big wimp.' Thank you. My blog friends will ignore comments about my nasty hair and less than stellar hygiene and instead offer words of support and […]Read the rest of this entry »
Mar 03
In Search of…… a Cure for Malaria – and, Aliens?
While reading Cammy's wonderful blog over at Tippy Toe Diet a while back, she posted about a few websites that do some seriously good work around the Internet – one of which I signed up for (thanks, Cammy!) I've always thought that no act of kindness is too small. Each of us has the ability […]Read the rest of this entry »
Jan 02
In Search of…Sunday: Who Ate My Blog, and FGWT
While catching up on blogs yesterday, I noticed that I'd received an email from Stephen Vinson who runs Who Ate My Blog. Stephen is an amazing man on a mission to lose over 400 pounds; he's already lost 230. If you've never visited his blog before, it's a very inspirational read. Yesterday, the Birmingham News […]Read the rest of this entry »
Dec 12
In Search of…Sunday: Nothing Happy about Happy Meals
When I was little, I thought that eating at McDonalds was a real treat. When my Happy Meal was handed over by my Mom or Dad, I'd inhale the smell of french fries and carefully open the box. I'd lay out and gaze at everything as though I were unpacking a picnic basket: hamburger: check. […]Read the rest of this entry »
Nov 21
A test on Sunday? Yep: The Jung Typology Profile
Do you remember those magazines you used to read when you were younger that had quizzes like, Is he the right guy for you? Do you have a love or lust relationship? Which celebrity bad-girl are you? Should you dump your boyfriend? As a teenager and well into my twenties I was hooked on those […]Read the rest of this entry »
Oct 10
Bye Bye, Pie! Mmm….pie.
So, it's Sunday and you all know what that means: I'm here to share with you a blogsational (it's a real word) site that I follow. I've been reading Bye Bye, Pie! for some time now and have just recently graduated from 'blog lurker' to commenter (I didn't much realize the importance of […]Read the rest of this entry »
Oct 05
Eat, Drink and be Merry
When I was little, eating out was about as exciting as going to Disneyland. Some restaurants had placemats with puzzles on them; others had crayons in a cup and I could sit and color while waiting to be asked, 'and what would you like to eat?' No broccoli, stewed meat and potatoes placed in front […]Read the rest of this entry »
Oct 03
Believe In Yourself at Grown-up University
Once again I am here to share a couple of great blog sites that I personally follow. Believe In Yourself is run by Sam. She has had great success at losing weight and now follows Intuitive Eating, which she explains on her blog here. Sam had a great post last week where she talked […]Read the rest of this entry »


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Music Memory Passport
New edition for 2015-2016
Published by UIL, Music Memory Passport is a collection of top-notch study and practice materials created by professional music educators, including detailed lesson plans and activities, as well as beautiful original listening maps for each selection. Passport is not a printed publication – it's provided in digital format on CD, with files you can use on your computer and print out as needed. The images below provide just a small sample of what Passport has to offer. The CD includes files like these for all 16 core selections (and the additional 4 selections for the grade 7/8 pilot), plus activities, handouts, a TEKS correlation list, and more. Passport now includes material for the grade 2 and grades 7/8 pilot programs. The CD is Macintosh and Windows compatible; files are provided in Adobe PDF format.
|Original Listening Maps
|Lesson Plans for coaching Music Memory and for the classroom
How to order Passport
Passport is available from UIL for $15. To order, visit our online store, or download the A+ Study Materials Order Form.
Acquiring Music to Accompany Passport
Passport does NOT include recorded music. But in the digital era, acquiring the music yourself is easy. It's not necessary to purchase full-length albums when you really need just one selection from each - you can easily purchase just the pieces you need from online sources such as iTunes, many for 99 cents each. The music is also available through streaming services such as Apple Music or Spotify.
NOW AVAILABLE - Click here to visit the Music Links page for more information and links to the recordings.
May we purchase materials from other vendors?
Yes. Passport provides one option for study materials, but other options continue to be available from independent vendors. Schools are free to choose whatever study materials they prefer. Vendor contact information is available on the A+ Resources page.


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DS has been having behavior issues at school related to aggression over the past few months. He is an only child so we rarely see him interact with other kids other than his cousins but we have never (and I'm being honest) seen him act out by hitting or kicking me or DH. Today, he got into trouble for kicking the teacher twice. The teacher is clearly at her wits end and I am too. We've tried grounding to his room on the nights he has an especially bad dad and have started a sticker reward board for good days. Five stickers = ice cream (his favorite).
I just don't know what to do anymore. This is so stressful - not to mention embarrassing - and I am stressed to the max.
Has anyone else experienced this? Do you have any suggestions on how we can address it with him?


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Product Description
First time on DVD! Out of print for over a decade -- a cult classic from the director of TOWNIES and the creators of the KILLER NERD films! "Despite its low, low budget, this kinky tale of a pair of likable lesbian serial killers is an inventive combination of HENRY: PORTRAIT OF A SERIAL KILLER and PINK FLAMINGOS. Pearle and her butch lover Wanda make a modest living picking up a variety of men and, right before the seduction, blowing their heads off and making off with their wallets. An ironic thriller loaded with shockingly graphic splatter effects, sly humor and a surprise ending. Lesbian empowerment has never been so unnerving for the males in the audience!" - TLAVideo.com
From the Contributor
BONUS FEATURES: Behind-the-scenes featurette (7 mins.) "Wanda" trailer (2 mins.) "Pearle" trailer (2 mins.) "12 A.M." short film (11 mins.) Tempe DVD trailers


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San Diego Public Library
In John Nolen's second plan for San Diego, he shifted the proposed civic center to the waterfront, as this circa 1927 drawing illustrates. Voters endorsed the concept but never passed the bonds to pay for it. The County Administration Center, opened in 1938 at the foot of Cedar Street, is the only element to have been completed.


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Coach Brian Kelly dropped himself in some hot water on Saturday as the cameras picked up on the obvious stream of expletives that came out of his mouth as he balled T.J. Jones out following another turnover in the game against the South Florida Bulls.
The disastrous game ended 23-20 to the Bulls with the Fighting Irish deflated and defeated. Many believed that this season would be a changing point for the team and this game simply did not go as planned.
However Kelly's sideline cursing seems to have created more of a buzz.
The National Catholic Register saw what happened on the sidelines as being more damaging to the colleges reputation. As they put it " Let me tell you something, you didn't need to be a lip reader to figure out what he was saying. By the look on my 11-year-old's face, she figured it out pretty quick.
"To put it bluntly, if there was a drinking game where you drank every time Kelly cursed I would've needed help getting off the couch, never mind getting to bed."
They continued "I've seen Brian Kelly in interviews and he seems like a decent guy but isn't this type of behavior unfit for any grown-up, never mind the most recognizable face of the country's most well known Catholic university?
"I understand football coaches aren't kindergarten teachers. But given the reality of the game and knowing that families are watching, couldn't we curb the f-bombs? You'd think Notre Dame football games are something I could sit down and watch with my kids."
Greg Pollowitz, in the National Review said "I think the trustees of the university should fire him this morning…Not because of the loss, but because of the way he treated his players. This is really uncalled for."
What seems more worrying to me is his high color rather than his cursing! Kelly looks positively purple in these shots.
Do you believe that Kelly should be put out over a couple of curses? Let us know below and take part in our poll.


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News posts
Showing blog posts tagged with Margaret Mead Film Festival
Playing at the 2013 Mead: Four Looks at Cultural Tourism
by AMNH on
Four films in this year's Margaret Mead Film Festival raise provocative questions about the motivations and economics of cultural tourism. Featuring great documentary filmmaking throughout, the Mead's theme this year is "See for Yourself."
Mead Film Festival 2013 Tickets on Sale Now
by AMNH on
Watch the trailer and buy tickets to the great documentary films in this year's Margaret Mead Film Festival, which runs from Thursday, October 17, through Sunday, October 20.
Fourteen Documentary Directors in Contention for the 2013 Margaret Mead Filmmaker Award
by AMNH on
The 2013 Margaret Mead Filmmaker Award recognizes documentary filmmakers who embody the spirit, energy, and innovation demonstrated by anthropologist Margaret Mead in her research, fieldwork, films, and writings.
2012 Margaret Mead Filmmaker Award Announced
by AMNH on
Director Adam Isenberg received the 2012 Margaret Mead Filmmaker Award for his film A Life Without Words (Una Vida Sin Palabras) on Sunday, December 2, as part of the the closing celebrations of the 2012 Margaret Mead Film Festival.


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St. John's of Shrewsbury middle infielder Jake Rosen verbally committed to Virginia Tech yesterday morning, his parents Kristen and Howard Rosen told ESPNBoston.com in an email yesterday.
Rosen, a Northborough resident, was called up to the varsity midway through last spring and helped the Pioneers in their playoff run as they reached the MIAA Division 1 Central semifinals. He attended Tech's prospect camp last October, and took an unofficial visit to the Blacksburg, Va., campus last weekend.
"He thoroughly enjoyed his visit and loved the atmosphere on campus," Rosen's parents wrote. "We were all impressed with the academic side as well, the advisor assigned to the team, the academic center on campus and all that Virginia Tech offers to the student~athlete. In his time visiting Virginia Tech, Jake got to sit down with head coach Mason and was offered. After spending a week processing and discussing as a family, we are thrilled that Jake has verbally committed to one of the top programs in the ACC. Overall we feel that Virginia Tech is an amazing college with an amazing sports program."


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- Report: #854914
Report - Rebuttal - Arbitrate
Complaint Review: American Standard Online
American Standard OnlineInternet United States of America
American Standard Online Deception for $199 Move In on Craigs List Internet, Internet
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I'm in the Mortgage business, and they have properties listed as bank owned (REO). They have you print out the pre-written letter to the homeower and mail it. However, if the house is and REO there is no possibility of contacting the owner as they've moved. Also, in able to get a refund you have to receive five denial letters from the homeowners.
This report was posted on Ripoff Report on 03/16/2012 12:30 PM and is a permanent record located here: http://www.ripoffreport.com/r/American-Standard-Online/internet/American-Standard-Online-Deception-for-199-Move-In-on-Craigs-List-Internet-Internet-854914. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.
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Advertisers above have met our
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Community Calendar
Published: Thursday, January 24, 2008 at 4:30 a.m.
Last Modified: Wednesday, January 23, 2008 at 7:53 p.m.
Henderson County Travel & Tourism Board meets at noon today at the Visitor's Center.
Henderson County Juvenile Crime Prevention Council meets at 12:15 p.m. today in the commissoners' meeting room, 100 N. King St.
Henderson County Board of Commissioners called a special meeting for 4 p.m. today at the commissioners' meeting room, 100 N. King St.
Mills River Town Council meets at 7 p.m. today at the Mills River Town Hall.
Brevard City Council holds their annual planning retreat from 1 to 9 p.m. today and 8 a.m. Friday in the Rogow Room of the Transylvania Community Library.
Land-of-Sky RPO Technical Coordinating Committee and Transportation Advisory Committee will hold a joint meeting at 11 a.m. Friday in Suite 140, 339 New Leicester Hwy., Asheville.
Four Seasons Hospice and Palliative Care will offer volunteer training classes starting 1 to 4:30 p.m. Thursday, Jan. 31 at Greatrex Place, 571 S. Allen Road. Information, registration: 233-0329.
"Apparition of the Eternal Church" shown by Furman University's Independent Film Society will be at 7:30 p.m. Monday in the University Center Theater. Discussion to follow. Free. Information: (864) 294-3158.
Health events
Cholesterol screening will be from 8 a.m. to 11 a.m. Thursday, Jan. 31 at Wellness on Wheels van at First Congregational Church. Fast overnight for best results. No appointment required.
Understanding the Gluten Free Diet lecture will be at 6:15 p.m. Thursday, Jan. 31 at Earth Fare, 1856 Hendersonville Road. Speaker: Laura B. Steenwyk, M.Ed., RN/LDN. Registration required. Information: 210-0100.
Henderson County Community Development Council will hold a bi-monthly meeting at 6 p.m. Thursday, Jan. 31 at Barker Heights Baptist Church Fellowship Hall. Covered dish supper. Information: 697-4981.
Callie Whitney will perform at 8 p.m. Thursday, Jan. 31 in the Back Room, Flat Rock Wine Shoppe. Information: 697-6828, www.flatrockwineshoppe.com.
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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Real news. Real funny.
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