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Excerpt from Africa Housing Finance Yearbook 2015
The International Monetary Fund (IMF) ranks Ethiopia as among the five fastest growing economies in the world. The Ethiopian government's investment in agriculture and public services has resulted in a decade of high economic growth resulting in a decrease in the national poverty rate from 56 percent in 2000 to under 30 percent in 2014—this is the second fastest rate of poverty reduction on the continent. The Ministry of Urban Development, Housing and Construction received the 2015 UN Public Service Award for the Integrated Housing Development Programme. With a population of approximately 96 million people, Ethiopia is also the second most populous country in Africa and is growing rapidly at 2.52 percent per year.
Despite having one of the lowest proportions of urban population in the world at only 19 percent, Ethiopia is now one of the most rapidly urbanizing countries in the world. According to recent UN estimates, the urban population of Ethiopia is expected to triple between 2010 and 2040, growing at an average rate of 3.5 percent per year. The combination
Excerpt from Africa Housing Finance Yearbook 2015
The International Monetary Fund (IMF) ranks Ethiopia as among the five fastest growing economies in the world. The Ethiopian government's investment in agriculture and public services has resulted in a decade of high economic growth resulting in a decrease in the national poverty rate from 56 percent in 2000 to under 30 percent in 2014—this is the second fastest rate of poverty reduction on the continent. The Ministry of Urban Development, Housing and Construction received the 2015 UN Public Service Award for the Integrated Housing Development Programme. With a population of approximately 96 million people, Ethiopia is also the second most populous country in Africa and is growing rapidly at 2.52 percent per year.
Despite having one of the lowest proportions of urban population in the world at only 19 percent, Ethiopia is now one of the most rapidly urbanizing countries in the world. According to recent UN estimates, the urban population of Ethiopia is expected to triple between 2010 and 2040, growing at an average rate of 3.5 percent per year. The combination of high population and urban growth rates, coupled with a high prevalence of urban poverty has placed enormous strain on Ethiopian cities and the economy's ability to create sufficient employment opportunities.
The Growth and Transformation Plan (GTP2) (the successor economic development program to the government's ambitious 2010 to 2015 GTP) will run from 2015 to 2020. This will continue to target infrastructural development including power projects, transport, urban housing, as well as poverty reduction. Full details have not yet been published but the government is reportedly planning to spend some ETB11 billion (US$53 million) on urban infrastructure. Economic growth is officially forecast to reach 11.4 percent in 2014/2015 (EIU, 2015).
Curbing inflation has been the government's key economic policy focus for the last few years. As a result the rate of headline inflation has dropped to 7.1 percent in December 2014, from a peak of 39.2 percent in November 2011. The average interest rate on deposits remained unchanged at 5.09 percent between 1995 and 2014. On a number of occasions inflation outstripped interest paid on deposits, thereby limiting the ability of monetary policy to manage demand and savings.
Access to finance
Ethiopia is amongst the major under-banked economies in the world. The banking industry is highly profitable, concentrated and moderately competitive. Traditionally it has been dominated by the state but performs relatively poorly. There is no stock market and treasury bills are the only active primary securities.
Ethiopia has 19 banks – 16 of which are privately owned. Ethiopia's banking sector has managed to thrive despite the ban on foreign ownership and the extended reach of the state. The total capital of the banking system is ETB 25.6 billion (US$ 1.28 billion), of which private banks account for 53.9 percent. The largest bank is the government-owned Commercial Bank of Ethiopia (CBE), which accounts for 34.2 percent of the total capital of the banking system. CBE has grown since the introduction of the Integrated Housing Development Programme's current project in Addis Ababa, in which it plays an important role in the provision of mortgage finance. Over the past three years CBE opened 298 new branches to a total of 700 in June 2013. In general, access to financial services has been improving and the total number of bank branches reached 2 208 in 2014 – 34 percent of which are located in Addis Ababa. This increase has brought down the ratio of bank branches to population from 49 675 to 39 834 (AEO, 2015).
Ethiopia's banking sector is stable and sound. According to the IMF, the system-wide capital adequacy ratio stood at a comfortable 17.5 percent, (well over the 8 percent requirement). Returns on assets and equity showed solid performance, at 3.1 percent and 44.6 percent, respectively. The NBE regularly monitors adherence to Basel I capital adequacy requirements, and almost all commercial banks have risk adjusted capital adequacy ratios well above the minimum requirement. The ratio of non-performing debt is currently way below the 10 percent target at about 2.1 percent. Growth in deposits has been robust and the share of savings within the banking sector has risen (AEO, 2015). As of 2015, there are 24 MFIs registered microfinance institutions (MFIs) listed on the Mix Market and US$657 million worth of loans distributed.
However, the financial sector remains shallow with a limited range of services. The financial sector remains closed to foreign participation and capital markets are non-existent. Lending is mainly collateral based. According to the 2014/15 Global Competitiveness Report, Ethiopia scored 3.3 out of 10 and ranked 120th out of 144 countries in financial market development, lower than the average of "factor driven economies". In Doing Business 2015, Ethiopia continues to underperform with respect to Getting Credit (165th out of 189 countries).
Ethiopia lacks a public credit registry or private credit bureau, making it hard for financial institutions to assess the creditworthiness of borrowers. The World Bank's 2015 Doing Business Report showed that almost 70 000 individuals and 20 000 firms were recorded on the public credit registry (an increase from the previous year), but representing just 0.2 percent of the population.
Historically, lending for housing (both development and mortgage finance) was carried out by a specialist lender, the Housing and Savings Bank (HSB). HSB granted long-term loans at a subsidised rate for residential housing and commercial building construction, purchase and renovation, time deposits and long-term borrowings. It was succeeded by the Construction and Business Bank (CBB), a wholly government owned public enterprise which has the additional mandate of universal banking. Mortgage loans require a 30 percent deposit and borrowers must be formally employed. The other major mortgage lender in the country, CBE, disbursed 1 022 mortgage loans in 2010/11. For the 2010/11 financial year, CBE had ETB3.48 billion (US$168 million) loans outstanding for building and construction. Mortgage rates appear to average 11.7 percent in 2015.
While private sector investment in real estate is very high, investment in the housing sector is limited. This has to do with low domestic savings and a shortage of external resources, as well as a shift in government policy that no longer provides land for developers of residential real estate, and higher perceived profitability in non-residential real estate. International remittances represent a huge potential finance resource for housing.
A key challenge to housing affordability is the absence of a diversified and flexible housing finance sector. A high percentage of households depend on informal incomes, making them ineligible for formal finance. As a result, only upper income groups and members of the diaspora can afford newly constructed housing built by the private sector. Although mortgage lending is growing, cash is the predominant form for purchasing formal housing. Houses tend to be constructed progressively on an instalment basis. Loan-to-value ratios are moderate: a loan by the CBB requires a deposit of 30 percent up front. Loan terms are short, generally five years.
Traditional construction techniques involving the heavy use of bricks, blockets and cement are expensive, inefficient, and time consuming. There are few factories producing construction materials, and locally available inputs are in short supply. The development of the Derba Cement Factory reduced the cost of cement by more than half. Derba announced that it would offer three months credit to contractors who made a 50 percent payment and provided a bank guarantee. Bulk orders at the reduced price are placed through the Commercial Bank of Ethiopia and Dashen Bank to avoid middlemen and protect affordability. Cement production was given a further boost with investments by Dangote Cement as well as South Africa's Industrial Development Corporation and Pretoria Portland Cement (PPC), such that Ethiopia is now able to export cement. Dangote commissioned a US$500 million cement plant in Ethiopia in June of this year. Located in the industrial centre just outside Addis Ababa, the cement plant will initially produce 2.5 million metric tonnes per year to meet rising demand within the Ethiopian market but is expected to double its production in the near future. The Habesha Cement Share Company, which has been established by South Africans will have a yearly production capacity of 1.4 million tonnes of cement, is expected begin production in November 2015.
Housing supply
The existing housing stock, particularly in Addis Ababa, is generally of poor quality, with many settlements congested and unplanned. Using the UN-HABITAT slum definition, 80 percent of Addis Ababa is a slum with 70 percent of this comprising government owned rental housing. Only 30 percent of total housing stock is in fair condition, while the remaining 70 percent is in need of total replacement or significant upgrading. Ethiopia's housing deficit is between 900 000 and one million units in urban areas, and about 300 000 housing units are required in Addis Ababa alone every year in order to meet the projected demand of 1.5 million new homes by 2025.
There are four categories of new residential developments taking place in the sector: (a) government-initiated condominium buildings; (b) residential neighbourhoods initiated by developers; (c) owner-built housing dwellings; and (d) new home activity driven by housing cooperatives. In addition, there are two other major categories of housing units in Addis Ababa: kebele-rental housing (very old stock), mainly for those on low incomes, and informal settlements.
- Government-built Condominiums: Since 2005 Ethiopia has been implementing the Integrated Housing Development Programme (IHDP), an ambitious government-led low and middle income housing programme. This programme was implemented in Addis Ababa and 55 other cities. The first phase of the IHDP has been successful in many respects and has built 171 000 housing units. There were, however, a number of unanticipated challenges facing the program. The most pressing is the affordability of the units for low-income households, with the cost increases in the price of condominium houses deeming them no longer an option for many low-income households. The inability to pay the monthly mortgage and service payments forces many households to move out of their unit and rent it out rather than risk losing it through bank foreclosure.
In order to address these challenges, a new and enhanced second phase of the IHDP was launched in 2011. This phase involved a new housing project in Addis Ababa divided into four different groups based on payment arrangements: 10/90 (involving a 10 percent deposit and a 90 percent CBE mortgage loan), 20/80 (80 percent LTV), 40/60 (60 percent LTV), and for housing associations, a full up-front payment is required. The 10/90 scheme is designed for people in the lower income bracket, in the ETB1 200 (US$58) and less monthly income. This group is expected to save ETB187 (US$9) every month. The 20/80 scheme is designed to incorporate those registered previously, in 2005, and the new ones who earn more than the lower income bracket. The money expected to be saved by this group varies according to the type of house. Starting from a studio apartment, which entails ETB151 (US$7) monthly saving, the range goes up to ETB 685 (US$33).
The 40/60 scheme has special conditions for buyers from the diaspora, so that they can pay in hard currency. The saving varies from ETB 1 033(US$50) for one bedroom to ETB2 453 (US$118) for three bedrooms. Demand has increased since CBE agreed to provide mortgage financing to prospective households. If city residents are able to save 40 percent of the total cost of the planned house they will be eligible for the program that has the remaining 60 percent covered by the state owned bank through a mortgage loan to be paid within 17 years. Site selection and other preconditions have been completed and construction of 10 000 houses has started. The cheapest price is ETB128 590 (US$6 203) for a house with one bedroom (55m² total area) while the two bedroom homes cost ETB200 475 (US$9 670) and lays on 75m². The biggest house will cost ETB320 000 (US$15 437) with three bedrooms (100m² area). Though affordable, these houses are expected to be of higher quality and more spacious than those in the low cost condominium housing projects. In 2014 alone, some 22 000 condos were handed over to beneficiaries and the government expects to transfer 76 000 houses to individuals in 2015.
The later (the housing cooperatives having 12 to 24 members) is mainly targeted for the higher income groups both for local residents and the diaspora. Members of the housing cooperatives are expected to cover 100 percent of the housing costs – 50 percent at the time of registration and the remaining 50 percent when securing the land and construction permit. Housing cooperatives are established under four categories, the first is on the basis of neighbourhoods, the second is based in work places and the third is the diaspora who live abroad. The housing modalities are G+4 apartments with one to three bed rooms with estimated price of 210 000, 280 000 and 385 000 Eth. Birr respectively for local residents. For the diaspora the typology of the housing units are G+4 apartments and town houses with two, three and four bedrooms with estimated prices of 533 000, 720 000 and 979 000 Eth. Birr respectively. The diaspora are expected to establish their coops in each Ethiopian embassy and councils with the help of the ministry of Foreign Affairs and the construction of the houses is expected to be implemented by either the government housing enterprises or by their own private contractors.
More recently, the Ethiopian Ministry of Urban Development, Housing and Construction recently announced plans to construct 2.45 million houses in housing schemes between 2015 and 2020. Out of the residential houses, 750 000 will be built in urban areas and 1.7 million in rural areas. This construction project is in line with the GTP2 currently underway and will be erected in the housing schemes of 10/90, 20/80 and 40/60. Out of the 150 000 ha of allocated land, 40 percent will be set aside for the construction of houses, 30 percent for its infrastructure and the remaining 30 percent for green areas.
- Residential neighbourhoods initiated by Real Estate Developers: There are approximately 50 private real estate companies operating in Ethiopia that are almost exclusively focused on high income groups.:
- Arab Contractors is considering developing an affordable housing project (comprising of 7. 9 and 12 floors) in Addis Ababa (April 2015).
- China's Tsehay Real Estate Plc has begun work on a US$150 million upmarket complex of flats, offices, retail outlets and a hotel next to the city light rail (July, 2015).
- In June 2013, Chinese Geo-Engineering Corporation started construction of a real estate complex which will include 21 high-rise buildings of between 12 and 15 storeys to be completed by 2015.
- Owner-built housing construction: Self-built housing was by far the most common type of housing delivery approach before the introduction of the Integrated Housing Development Programme. Though relatively limited now, this building approach is still active in older residential neighbourhoods. Costs for owner-built construction are generally higher and this segment of the market tends to include the full range of housing units from modest homes constructed over extended periods to large and luxurious homes often built by razing or replacing older properties.
- Home construction by Housing Cooperatives: Cooperative housing developments, organised by groups that share a common employer or membership, have been a long-standing feature of the residential real estate market. The city administration has registered more than 500 housing cooperatives. The minimum membership in a housing cooperative is 14 while the maximum is 24. Many cooperatives members are middle-income, based on employer associations such as Ethiopian Airlines or other state-owned companies. In recent news, Ethiopian Airlines has invited nine companies to bid to take over an employee housing project from a Chinese contractor. The project entails the construction of 2 502 housing units in two phases on a 313 300 m² plot in the Bole District.
Property markets
In the World Bank's 2015 Doing Business Report, registering a property requires 10 procedures, takes 41 days and costs 2.1 percent of the property value; for this, Ethiopia ranks 104th globally. This is still cheaper and quicker compared to the rest of the region. However, key obstacles remain, including land policies, the scarcity and cost of construction material, the lack of basic supporting infrastructure and the lack of long-term financing.
All land is owned by the state. Land administration is divided between municipalities (for urban land) and regional governments (for rural land). In urban areas there is a system of leasehold tenure, which has replaced the permit system; in rural and peri-urban areas a permit system (based on use rights) applies. In terms of the leasehold system in urban areas ,individuals lease land from the government for up to 99 years. The lease may be transferred between private individuals but only on the basis of the lease being used as surety or collateral; the lease cannot be traded to a third party. The government has the right to take the land back, on payment of compensation for improvements made. Compensation is not paid for the value of the land itself. In the conversion from the permit to the lease system, government converts the permits to leases when a land transfer transaction is being carried out. Foreigners are barred from owning property in Ethiopia.
In urban areas, formal land delivery is through planning and public auction by city government. New parcels of land are leased with a fixed lease period and conditions according to a land use plan. Alongside this land delivery system a cash land market operates in which people exchange leases or permits through sale agreements. Buyers pay property transfer taxes and commissions to middlemen. Within the city boundary, new parcels of land come onto the market through an informal system without planning or documentation. The exchange is usually among personal connections, and a simple sale agreement confirms the transaction. About 90 percent of these parcels are subdivisions of land with 'permission to occupy' rather than titles.
The recent growth in the property market has led to a surge in building activity. Manufacturing related to the construction industry constitutes one of the largest and fastest growing industries.
Policy and regulation
Until recently, there were few national coordination policies regarding housing and urban development. There are now a number of players in the sector that are focused in addressing the housing shortfall as well as the associated land and tenure issues. In 2005, the national Ministry of Works and Urban Development (MWUD) was established in order to guide the overall development of the country's urban areas and conducting studies on its urbanization patterns. It has since been renamed the Ministry of Urban Development, Housing and Construction. Cities and regional governments are responsible for preparing physical urban development plans, and the Housing Development Bureau works towards the implementation of the second phase of the IHDP in Addis Ababa, including the Micro and Small Enterprises Development Programs.
A number of policies govern the housing sector, including the following:
- Urban Development Policy (2005): Formulated by the Council of Ministers of the Federal Democratic Republic of Ethiopia to link together the small-scale efforts made by regional governments and cities since 2000.
- The Federal Rural Land Administration and Land Use Proclamation No. 456/2005: Enacted for the purpose of ensuring tenure security, strengthening property rights of farmers, sustainably conserving and developing natural resources, establishing land data base, and establishing an efficient land administration in the country.
- Expropriation of Landholdings for Public Purposes and Payment of Compensation and Council of Ministers Regulation No. 135/2007: The Federal Constitution vests in the government the power to expropriate private property in the public interest, provided it pays compensation prior to acquisition and in an amount commensurate with the value of the seized property.
- Ethiopian Building Proclamation 624/2009 formal sector: A legal document outlining the building regulations and requirements, for use by local authorities to ensure building standards are maintained in their jurisdiction. Parts of Ethiopia are located in an earthquake zone and a code exists to ensure buildings resist maximum predicted earthquake loads. The codes are only used and enforced in buildings developed in the formal sector.
- Proclamation (number unknown): Allowed the importation of cement as the lack of locally available cement caused major construction delays for condominium projects
- A number of proclamations exist between 2002 – 2005 deal with the lease holding of land, condominiums and land expropriation provisions.
- Regulation No. 15/2004: Outlines the establishment of the Addis Ababa City Government Housing Development Project office and outlines its duties and responsibilities.
- Regulation No. 12/2004: Outlines the condominium regulations for Addis Ababa city, regulating further details to Proclamation No. 370/2003.
Like many other African countries, Ethiopia has a great need for affordable housing delivery. Housing finance markets are destined for growth at virtually all income levels, but particularly within the lower to middle income ranges. Real estate developments have tended to focus on the high end of the market but there is considerable unmet demand for less expensive homes for professionals and middle-income households, to the extent that supply can be expanded for homes in the range of ETB400 000 (US$19 295) to ETB1 000 000 (US$48 239).
A sector that warrants further development and exploration is Ethiopia's microfinance industry, one of the largest in Africa. Given relative tenure security, this creates enormous potential for the development of housing microfinance products which are appropriate for low income earners. Formal encouragement of self-build construction is required, especially through regulatory reform around building standards and greater product innovation by banks.
Due to expensive and inefficient building materials, there is a huge requirement for cost-effective housing at a faster speed and larger scale. Developers with cheaper and unconventional construction materials have significant advantages over competitors. Promising prospects include the use of pre-fabricated boards, steel-based construction of high rise buildings, and locally available environmentally friendly building materials.
Access Capital Research (2010). Sector Report-Real Estate, May 2010.
African Economic Outlook (2015). Ethiopia 2015. AfDB, OECF, UNDP.
African Union for Housing Finance (2015). Financing Housing in Africa. Issue 41:March 2015.
Ayenew, M. (2009). Access to Housing Finance in Africa: Exploring the Issues (No. 9) Ethiopia. Report
Commissioned by the FinMark Trust with support from Habitat for Humanity.
BMI (2014). Industry Brief – Ethiopian Bank Profitability Could Drop On Lower Deposits, Lending, 17 January 2012.
Construction and Business Bank (2008). Annual Report 2007/2008.
Deribie, E (2014). Impacts of the Grand Housing Programs of the Government of Ethiopia on Private Banks, January 2014. Scholarly Journal of Business Administration, Vol. 4(1) pp 26-33.
Eshete, Z.S., Tesome, K.W., Abebe, T.K. (2013). Competition in Ethiopian Banking Industry, December 2013. African Journal of Economics, Vol. 1 (5), pp. 176-190.
EIU (2015). Country Risk Service: Ethiopia, June 2015.
Federal Democratic Republic of Ethiopia (2010). Ministry of Works and Urban Development. Housing Development Programme: 2006-2010 Plan Implementation Report.
Federal Democratic Republic of Ethiopia (2011). Federal Negarit Gazeta of the 18th Year, Number 4, Addis Ababa, 28 November 2011.
Habitat for Humanity Ethiopia (2011). Key Housing Issues in Ethiopia: Challenges of the Housing Situation in Ethiopia & HfH Ethiopia's approach in providing housing for low income families, 5 April 2011. Presented at the First Housing Forum Europe and Central Asia
IMF (2014). 2014 Article IV Consultation- Staff report; Press release; and Statement by the Executive Director for the Federal Democratic Republic of Ethiopia, 5 September 2014.
Marcopolis (2014). Developing the real estate market in Addis Ababa- GIFT Real Estate, 29 January 2014. http://www.marcopolis.net/developing-the-real-estate-market-in-addis-ababa-gift-real-estate-2801.htm
Ministry of Urban Development, Housing and Construction (2015). Housing Development: The Ethiopian Experience. Study on Africa's Market Dynamics Regional Workshop. Addis Ababa (17-19 February 2015).
National Bank of Ethiopia (2010). Monthly Macroeconomic Indicators for March.
UN-Habitat (2011). Condominium Housing in Ethiopia: The Integrated Housing Development Programme.
Urban Expansion (2013). The Ethiopia Urban Expansion Initiative: Interim Report 2. NYU Stern and the Urbanization Project.
Urban LandMark (2011). Urban Land Markets in East Africa, March 2011.
USAID (2011). Ethiopia: Property Rights and Resource Governance.
Worku, G. (2010). Electronic Banking in Ethiopia, Journal of Internet Banking and Commerce.
World Bank (2013). Doing Business 2014: Ethiopia.
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Money for new roads could dry up
Clarksville, TN – The need for new roads seems to be an ongoing problem for Clarksville. Once we build one, we've outgrown it.
Case in point: the 101st Airborne Division Parkway, Warfield Boulevard, Tiny Town Road.
Now it appears, the money from the Federal Government may come to an end before the November election. So if a politician promises "new roads" if elected, get him or her to do a quick "fact check."
According to an analysis of Congressional Budget Office data by the American Association of State Highway and Transportation officials, The Highway Trust Fund, which finances U.S. road, bridge and mass-transit projects, may become insolvent.The fund, which reimburses states for transportation projects, would be unable to meet its financial obligations as soon as October. The federal government could have to ration payments to the states to keep the fund solvent.
The fund's revenue, from U.S. fuel taxes, has declined as cars have become more fuel-efficient and Americans are driving less because of higher gasoline prices, according to the U.S. Department of Transportation. States pay for transportation projects upfront and then apply for reimbursement.
If the federal government rations payments, that would gradually halt highway projects, leaving hundreds of thousands of construction workers unemployed. According to Brian Deery, director of transportation at Associated General Contractors of America, Congress needs to pass long-term legislation that raises the U.S. fuel tax, transfers money from the governments general fund or finds new revenue source to keep transportation projects going.
"This would have a real impact on the states if the federal government turns off the spigot to reimburse them for money they have already spent, Deery said. This is the day of reckoning. They have to come up with more money or make cuts. There are no two ways about it."
Clarksville/Montgomery County pays the third most money in fuel taxes to the State of Tennessee, yet is not in the top ten in dollars for road construction in the state. The prospects of future road construction is up in the air, pending the federal governments handling of the Highway Trust Fund.
One more reason to keep our federal officials accountable when they ask for the vote. The road ahead could be a bumpy one.
About Hank Bonecutter
Hank Bonecutter is a forty year broadcast veteran and former radio station owner. His career included, talk-show host, journalist, writer, and producer. He is president of Bonehead Promotions, an advertising consulting and media firm. He is the owner of www.clarksvillesportsnetwork.com and www.nashvillesportsnetwork.com, and is a contributing author/journalist for Clarksville Online.
Hank worked at several Nashville radio stations, including WKDF, WLAC, WKQB and WKDA.
He hosted and produced Clarksville's longest running morning talk-show, "The Bone Show," from 1994-2012.
Hank is also a stand-up comedian, having performed at some of the top comedy clubs in Tennessee, Kentucky and Georgia.
Hank produced a series of stand-up comedy shows, "Comedy on the Cumberland, " in Clarksville to benefit local charities.
You can follow Hank on Facebook and Twitter, @bonecutter01 and @boneheadnews.
Web Site: http://www.clarksvillesportsnetwork.com/
Topics101st Airborne Division Parkway, Associated General Contractors of America, Clarksville TN, Highway Trust Fund, Montgomery County, Tennessee, Tiny Town Road, U.S. Congress, U.S. Department of Transportation, U.S. Fuel Tax, Warfield Boulevard
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Top Golf opens in The Colony
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Dallas Stars defenseman Brenden Dillon arrives to the grand opening of the Top Golf in The Colony, Monday, November 18, 2013.
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GMP plans more solarAugust 06,2013GMP plans more solar
A Green Mountain Power maintenance facility will house the utilitys next solar project.
GMP announced Monday that they would install rooftop solar generators on the Green Hill Lane property.
The building is located between the sewer plant and property owned by Casella Waste Systems and holds GMPs transformer shop, substation workers and a diesel generator used during high-demand periods. The roof is expected to hold solar collectors with a total capacity of 75 kilowatts.MORE IN This Just InCASTLETON - Head coach Eric Ramey has announced that the Castleton softball team will once again... Full StoryMONTPELIER Vermont state officials are blaming a lack of seat belt usage, speeding and driving... Full Story
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At the moment, the Bovada Sportsbook is giving Howard Stern 25/1 odds to replace David Letterman as the host of The Late Show. Stephen Colbert is No. 1 at 5/2, followed by Conan O'Brien (5/1) and Jon Stewart (11/2). Conspicuously absent … Continued
howard stern
If Sour Shoes hosted The Late Show
Howard Stern to host special 'Town Hall' event with Billy Joel
There are SiriusXM Town Halls, and then there are SiriusXM Town Halls. Monday on The Howard Stern Show, Howard announced he will be hosting a special Town Hall event with the one and only Billy Joel. "We are going to do a … Continued
Jon Hein weighs in on Letterman's replacement: Howard or Colbert?
We're not even 36 hours removed from David Letterman's retirement announcement, and we're still as much as a calendar year away from Letterman's final show. Still, the talk of the entertainment world has centered around Letterman's eventual replacement on CBS' … Continued
Nick Cannon on Howard Stern: 'I gotta stop talking about my past'
Recently, Nick Cannon had been getting some backlash in the media for being more than candid about his past relationships with several high-profile women, one being reality TV star Kim Kardashian. But the media's not the only backlash he's feeling. Cannon … Continued
One famous Vanderbilt won't be getting an inheritance — and he's happy
CNN anchor Anderson Cooper revealed Monday on The Howard Stern Show a bit of startling news: Cooper, a descendant of the Vanderbilt family, doesn't own any railroads! Oh, and he doesn't stand to get an inheritance from his mother, Gloria Vanderbilt. "There's no … Continued
George Lopez explains his role in Conan's signing with TBS
Wednesday on The Howard Stern Show, George Lopez revealed he was enlisted to help recruit Conan O'Brien to sign with TBS – where Conan would eventually replace Lopez in the 11 pm time slot. Prior to Conan's arrival at TBS, Lopez … Continued
'Try to look better!' — Joan Rivers slams Lena Dunham on Howard
Remember that time Howard Stern took on Girls creator, director and star Lena Dunham? Something about how Dunham was "a little fat girl who looks like Jonah Hill and keeps taking her clothes off"? Well, soon after Dunham called Howard to say, … Continued
Make the perfect Stern Show call
Joe Howes, a part-time actor and Howard Stern Show fan, spoke with Howard 100 News reporter Lisa G about making the perfect call to the show. Howes had three tips for prospective callers: Have a solid phone connection Be interesting … Continued
Imran Khan Lives With His Dad & Mom – the song
Finally, you can make The Hanzi Song your cell phone ringtone. From The Howard Stern Show, Imran Khan Lives With His Dad & Mom, a parody of Stacy's Mom by Fountains of Wayne: For more Howard Stern coverage, follow @sternshow on Twitter and Instagram, … Continued
Jason Bateman on acting: Yeah, I'd make out with my sister
We're going to let Jason Bateman explain this one, but here's what you need to know: Bateman was on The Howard Stern Show on Tuesday. He and Howard started talking about the casting of Arrested Development. Howard then brought up … Continued


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The new home of
13 reviews
''...imbued with noble history...set in a dramatic and varied landscape...''
Take a beautiful Peak District National Park setting, just 3½ miles from Bakewell, add a historic hall (first recorded in the Domesday Book), and an ancient cluster of listed buildings converted to form superb holiday cottage accommodation....and the result is the captivating blend that is Harthill Hall. Nestling in 14 acres of grounds on an upland called Priest's Hill with excellent walking available from the doorstep, the properties have the use of an extensive range of leisure facilities including an indoor heated swimming pool, sauna, solarium and treatment rooms. Noble names have woven the threads of the hall's long history including Henry de Ferrers, the Cokaynes and the Harthills. Henry VIII is also believed to have stayed at the hall. It was here in 1259 that Sir Richard de Hartle was issued a Papal Bull by Pope Alexander II, allowing him to appoint his own chaplain. The chapel ceased its functions as a place of worship in 1546 and now takes the form of The Chapel and Hartle Cottage. The eight cottages are furnished with antiques and surround a medieval cobbled courtyard. They all retain a wealth of original features including thick stone walls, large oak beams, mullion windows and flagstone floors. Derbyshire's bustling market towns, villages, hills, dales and rivers offer majestic scenery, and a rich variety of customs. Boasting a varied and beautiful landscape, they offer a blend of heritage, history and family attractions. The beautiful market town of Bakewell (3½ miles) is situated on the River Wye, crossed by a 13th-century five-arched bridge which has coffee shops and restaurants. Within easy reach are Matlock, Hall Leys Park, Chesterfield, Alfreton and Buxton. National Trust properties and gardens nearby include Riley Graves, Longshaw, Mam Tor, South Peak, Dovedale, Hardwick Hall and Kedleston Hall. Close by are both Chatsworth House and Haddon Hall. Games room with free wireless internet connection (1gb per day per device). Golf and horse riding are available within 5 miles. Shop 3½ miles, pub 1 mile.
Living/dining room with slate floor, beams and galley-style kitchen with slate floor. Double bedroom with four-poster bed. Bathroom with over-bath shower and toilet.
Note: Henry's Haunt (RXX7) and Cokaynes (RXX9) are adjacent and may be booked as one to sleep 10+2.
SUPERB ADDITIONAL FACILITIESEach property at Harthill Hall has one hour of private use of the facilities per day booked on site
4 reviews
"Fine cottages and facilities – in a county of unspoilt landscapes, deep dales and winding rivers . . ."
This fine courtyard of old stone barns was part of a working farm, but has now been sensitively converted to offer sixteen beautifully furnished and well-equipped cottages. Boasting a wealth of original features, they enjoy shared use of a rich choice of leisure facilities, including a superb indoor heated swimming pool in an adjacent, purpose-designed building. With a shallow area for children, the pool has its own changing rooms and a sauna, and there is a separate games room within the pool building where wi-fi is available. Brackendale Spa is an independent facility offering luxurious treatments, which guests can book by contacting the spa directly. There are two conference/dining rooms to accommodate large groups, and a separate laundry room with automatic washing machine and tumble dryer. Close to the cottages are patio and barbecue areas. All set in 3 acres of shared grounds, offering a children's play area and plenty of space in which to relax.This is an ideal setting for a Peak District holiday. Knockerdown Farm is conveniently situated on the road between Ashbourne and Matlock, within walking distance of beautiful Carsington Water, a superb windsurfing and sailing centre, which has an area devoted to wildlife and nature conservancy. Throughout the year they have special fun days for children of all ages. At the water sports centre guests can hire (with tuition) kayaks, windsurfers, Canadian canoes and bicycles. Professional fly fishing is available to enable guests to try their hand at fishing this popular, well-stocked reservoir. Fine walking country is virtually on the doorstep, and the renowned Tissington and Middleton cycle trails are both close by (with bikes available to hire). The principal centres of the Derbyshire Dales are nearby - Wirksworth, the market town of Ashbourne, attractive Bakewell (of pudding fame) and Matlock: all are fascinating ancient towns. Matlock Bath (6 miles) is popular as an inland resort, standing on the River Derwent amid lovely scenery, and offering boating, angling, bowls, tennis and cricket. The young (and the young at heart) will enjoy a day out at the National Tramway Museum - where visitors may enjoy the fun experience of trams from around the world! Magnificent Chatsworth House (16 miles) boasts a famous collection of art treasures as well as beautiful gardens. Haddon Hall (13 miles) is England's most complete and authentic medieval house dating back to the 14th century. It is set in lovely countryside overlooking the River Wye, near Bakewell, which houses one of the National Park's information centres. One of Britain's premier theme parks, Alton Towers is within easy reach. It is set amongst appealing countryside close to the picturesque village of Alton and offers a fun-packed day out for all the family. There are several country inns within walking distance. Shop 5 miles, pub and restaurant 100 yards.
Ground floor cottage. Open plan living/dining room with kitchen area. Double bedroom with TV and additional single bed (for + 1). Bathroom with over-bath shower and toilet.
7 reviews
Living/dining room with glazed door to patio area, tiled and wooden floor, beams and farmhouse-style kitchen area with beams. Double bedroom with Victorian brass bed. Twin bedroom with 2ft 3in zip & link beds (can be double by arr). Bathroom with over-bath shower and toilet.
11 reviews
Ground Floor: Property has gas central heating and comprises: Kitchen/Dining Area: With electric oven and gas hob, fridge/freezer and microwave. Dining table seat six Lounge: With open fire, TV with Free view channels, DVD and video
First Floor: Bedroom 1: With double bed Bedroom 2: With twin beds Bathroom: With shower over bath, WC and wash basin
All electricity, gas, logs, bed linen and towels included. Cot and high chair available on requestPrivate garden area and ample car parking space. Washer and dryer available. Adjacent building with swimming pool, sauna, Jacuzzi and games room. Young children are restricted to age four plus in the pool area and must be supervised at all times.
2 reviews
"Fine cottages and facilities – in a county of unspoilt landscapes, deep dales and winding rivers...""Fine cottages and facilities – in a county of unspoilt landscapes, deep dales and winding rivers . . ."
Living/dining room. Kitchen. Double bedroom with en-suite shower room and toilet. Twin bedroom. Bathroom with toilet.
3 reviews
Entrance into beamed, open-plan living/dining room with kitchen area. First floor: Double bedroom. Twin bedroom. Bathroom with over-bath shower and toilet.
Note: Wisels Cottage ref QUW, Ible Cottage ref QVE and Middleton Cottage ref QUX are next door to one another
5 reviews
A self-contained first floor apartment reached via a steep exterior stone staircase situated above the swimming pool. Open-plan living/dining room and fitted kitchen with staircase to grounds. Double bedroom with 5ft four-poster bed, LCD TV and antique mahogany furniture. Twin bedroom. Bathroom with over-bath shower and toilet.
Note: Harthill Barn (RAA5) and Manners (RAA4) can be joined by interconnecting doors and may be booked together to sleep up to 16+4 children under 8 yrs
0 reviews
"Fine cottages and facilities – in a county of unspoilt landscapes, deep dales and winding rivers . . .""Fine cottages and facilities – in a county of unspoilt landscapes, deep dales and winding rivers . . ."
Spacious open plan living/dining room with kitchen area and French doors opening onto patio. First floor: Two double bedrooms, each with 6ft zip and link bed (can be twin); one with shower room and toilet. Bathroom with toilet.
5 reviews
These two delightful holiday cottages enjoy a charming position on the slopes of the Derwent Valley, with lovely views. Restored and refurbished to high standards, they enjoy shared use of an indoor heated swimming pool and unlimited, free use of a small golf course, set in 8 acres (plays 9 holes) by prior arrangement. Bakewell is just 4 miles away, an attractive market town with a choice of shops, inns and restaurants. Providing a point of interest for visitors, The Old House Museum displays a selection of rustic tools and costumes from Bakewell's past, whilst for walkers, the Monsal Trail proves rewarding - spanning about eight miles and passing through some wonderful limestone valleys as it wends its way north to Wyedale. There are many fine country houses and interesting National Trust properties nearby, including Chatsworth House (Chatsworth Park is within walking distance). Built by the first Duke of Devonshire in the 17th century, it is set within vast grounds, landscaped by Capability Brown, and boasts the magnificent Emperor Fountain. Haddon Hall, 2 miles south of Bakewell, stands on the banks of the River Wye, and whilst not as grand as Chatsworth, stands as a fine example of a medieval manor house. The NT also owns several proeprties in the area, which make for worthwhile visits - including Sudbury Hall at Ashbourne (a late 17th-century house with sumptuous interiors, housing the Museum of Childhood within the service wing), and Hardwick Hall and Stainsby Mill, at Doe Lea, Chesterfield. Ilam Park (running along the River Manifold, with spectacular views towards Dovedale), and High Peak Estate (a vast area of outstanding walking country) also come under NT ownership and provide wonderful walking opportunities. For watersports enthusiasts, Carsington Water is within easy reach, with sailing, wind-surfing and canoeing all available. Matlock 6 miles, with swimming, cycle hire and golf. Shops ½ mile.
In superbly maintained landscaped gardens, with panoramic views of the Derwent Valley, this cottage is attached to the owner's home, with its own enclosed garden. Well-equipped kitchen. Bathroom with over-bath shower and toilet. Beamed sitting/dining room with 'living-flame' gas stove. First floor: Double bedroom. Twin bedroom.
Note: The Roundhouse QWQ and Woodside Cottage QCG may be booked together to sleep 9 people.
1 reviews
Spacious open plan living/dining room with kitchen area and French doors to patio area. First floor: Two double bedrooms, each with 6ft zip and link bed (can be twin); one with en-suite shower room and toilet. Bathroom with toilet.
12 reviews
This restored 18th century cottage boasts a contemporary design which complements its original character and full, exclusive use of a covered heated swimming pool in summer. Set next to the owners' home, in pretty woodland 0.5 miles walk from the many pubs, restaurants and shops in the village centre. Walking in the Peak National Park and Manchester's city pleasures are easily accessible, and Castleton's caverns, Edale and Buxton 6 miles. Lyme Park (NT) 6 miles. Chatsworth and Styal Mill 20 miles. Golf locally. Shops and pubs 0.5 miles.
Ground floor: Living room. Dining room. Kitchen. First floor: 2 bedrooms: 1 double, 1 twin. Bathroom with shower over bath and toilet.
Partial oil central heating, electric heaters, electricity, bed linen and towels included. Cot. Satellite TV (movie package). Video. DVD. CD. Microwave. Washer/dryer. Wi-fi. Garden with paved area and furniture. Parking. Covered private heated swimming pool (6.4m x 3m, depth 0.8m to 1.75m), open 14th May-17th September. No smoking. NB: Drop and stream in garden.
Entrance into beamed, open-plan sitting/dining room with kitchen area. First floor: Double bedroom. Twin bedroom. Bathroom with over-bath shower and toilet.
Looking for something with a little more?
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cottages.com is a trading name of Wyndham Vacation Rentals (UK) Ltd. Registered in England and Wales.
Registered Office: Spring Mill, Stoney Bank Road, Earby, Lancashire,BB94 0AA, UK
Company Registration Number 00965389. VAT Registration Number: GB 598 22 99 77


text: Hi there. This may be a small bug. I've noticed that if two or more posts share the same featured video and you remove one of them. The other post's video thumbnail is deleted. Resaving the other post brings them back. Would like to see a remove button with maybe a popup option to delete thumbnails from media library or keep them. Or, change the thumbnail filename for duplicate featured videos. For now I'll just be mindful to resave the other posts. Thanks for an awesome plugin! Jim


text:
Definition of garnishment in English:
2 Law A court order directing that money or property of a third party (usually wages paid by an employer) be seized to satisfy a debt owed by a debtor to a plaintiff creditor.
Example sentences
- Wage garnishment is a creditor collection tool that a delinquent debtor can escape by filing for bankruptcy.
- In September the plaintiff attempted garnishment on what he thought was the defendant's banker.
- When the bank learned of the plaintiffs' action against these defendants, it issued garnishments against each of the three defendants in June 2003.
For editors and proofreaders
Syllabification: gar·nish·ment
Definition of garnishment in:
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= trending


text:
When guerrilla art meets activism, monumental action can occur. Here Menstrual Designer Jen Lewis interviews fellow artist Ingrid Goldbloom Bloch about the activist vision behind Bloch's engaging banner Stop the Flow of Violence. PERIOD. Read on to find out more about this nationwide anti-violence campaign, including how you can play an integral role in supporting the artist's vision.
Q1. Jen Lewis
Why did you originally create Feminine Protection? What is your vision for the piece now?
A1. Ingrid Goldbloom Bloch
I originally created this piece as a funny play on the phrase "Feminine Protection." I didn't realize at the time I was touching on much deeper issues. After creating my gun, I noticed people were more upset that it was made out of tampon applicators than they were that it is was a semi-automatic weapon. I was intrigued and shocked that the taboo of natural menstrual blood is more upsetting to people than the blood caused by gun violence. As a result, I have become much more aware of both the politics of gun control/violence and the social taboos surrounding menstruation. I hope that my art piece simply provokes further thought and discussion about socially acceptable images and topics.
What is your social/political goal for the piece? What community action do you want to spark?
My goal is that my art piece becomes the face of an anti-violence campaign. I hope people in cities across the U.S. will display my banner, Stop the Flow of Violence. PERIOD, in public places with the hopes that it will inspire the public to engage in conversations. The N.R.A. has Charlton Heston, the Anti-Gun movement needs an image as well! I hope that when people see an AK-47 made out of tampon applicators they will discuss violence in society, gun violence and violence against women. In addition, I hope the discussion expands to incorporate socially acceptable images of blood (why is gun violence okay but menstruation taboo?).
What kind of community partners are you looking for to display the banner? Do you have any lined up? If so, who?
I would be thrilled if feminists and activists on college campuses displayed my banner. I would love to see it prominently displayed in public parks, across from government institutions, and immediately following a terrible mass shootings in the city/college an event has occurred. I would love to see my banner in every major city in the U.S. but especially in Texas. If I had the funds, I would purchase a billboard in Los Angeles, New York and Dallas as a start. I would like to participate in the "open carry" protest that will be happening at the University of Texas Austin.
I put out a call on Facebook asking for volunteers to hang my art. I currently have one person in Minneapolis, Minnesota who has offered to hang it across from the State House in St. Paul, Minnesota. I am looking for more people to join in this guerrilla art show.
Where is your ideal location for the banner to be hung?
A4. IGBIt is weather proof so any prominent outdoor location would work. It could also be used in parades, hung from buildings or displayed in public spaces. I am open to the ideas of people volunteering to display this banner.
Is there anything else you'd like to add?
I am hoping people will document the public's responses to my banner. I have created a website: FeminineProtection.org and a Facebook page for my art, IGBStudio, where I hope people will post photos, video and comments by the public. Once I have a group of people signed up to display my banner, I will turn my attention to making my website more interactive. I will admit social media is not my forte so I am also looking for partners interested in Tweeting under my hashtag #feminineprotection. In the meantime, please 'like' my art page: IGBStudio.
Find Ingrid and her art online at:
Jen Lewis is the Menstrual Designer and Conceptual Artist behind Beauty in Blood and curator of Widening the Cycle.


text: I just installed this. It appears to be exactly what I am looking for. However, I cannot get it to center. Everything keeps coming up on the far left of my screen. This even goes outside of the fixed width of 1000 px. within the theme (Calotropis). All examples I've seen show the calendar centered. Could this be an incompatibility with the theme? Maybe a basic setting I am missing?


text:
Hello Michael, a Dutch mill in Oregon, standing proudly in colourful tulip fields? How come? Maybe in exchange we can transplant a piece of Oregon to Holland, including the Painted Hill.
Greetings, Claus
Thanks for the comments!
I'm thinking, How could a send you a sample of the painted hills.. Hmmm :)
This Mill however is just a shadow of the proud ones standing in your country. This one is maybe 20 feet tall. (6-7 meters)
Marvellous landscape Michael. Valter.
Thank you so much! :)
A beautiful landscape.
wunderbares Bild, like
Ich wünsche dir und deiner Familie einen Guten Rutsch ins Neue Jahr 2012.
Liebe Grüße sendet bayernengel aus Deutschland!
Photo taken in Clackamas County, OR, USA


text:
back by popular demand:
Step in Time Dance Company
Three 30-Minute Dance Classes for Kids Up to Age 7 ($12) or Three 60-Minute Dance Classes for Kids 7 or Older ($18)
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.


text:
Coming soon: Training. Have 30 seconds to spare? Help us choose our first course!
This is the one I'll be proposing for final logo.
I've improved the "L" to look more like an "L" and less like a "P".
If my brother gives this one the OK, I'll then need to create a "fancy" version of it, as this one is designed to be used as inlay for the headstocks.
keyboard shortcuts:
L or F like
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text:
Jul 16, 2011 - Emerald Queen Casino, Tacoma, Washington, United States view event >>
MMAjunkie.com Radio goes "PRIMETIME" tonight with HDNet broadcaster and 2010 World MMA Awards nominee Michael Schiavello.
"The Voice" joins the program from Tokyo, Japan, in order to break down
t read news >>
With the UFC's traditional pre-event preview show returning this week for UFC 127, a March installment also is now schedule with "Countdown to UFC 128."
The show debuts March 15 on Spike TV at 1 read news >>
A half-hour show previewing the upcoming live season of "The Ultimate Fighter" debuts tonight on FUEL TV.
"The Ultimate Fighter 15," which is the first season on FX and the first to feature live f read news >>
Super Fight League returns Friday, April 12, 2013, with SFL 15 Friday Fight Night. Check out a full breakdown of each bout on the fight card. read news >>
UFC 161: Evans vs. Henderson takes place Saturday, June 15, at the MTS Centre in Winnipeg, Manitoba, Canada. Check out the UFC 161 extended video preview. read news >>
This weekend, World Series of Fighting returns with its 15th show to bring you a great card Saturday night. Live on NBC Sports Network, the card boasts a deep lineup that includes three title fights. read news >>
The UFC's second televised event of the year sees Conor McGregor look to secure his shot at the featherweight title, but – believe it or not – there are 11 other fights, as well. Go inside the UFC Fi read news >>
On Saturday UFC heads to FOX for the second time this year with a stacked card headlined by a title eliminator bout in the middleweight division. Top contenders Luke Rockhold (13-2 MMA, 3-1 UFC) and read news >>
Join Knockout Radio for the podcast featuring special guest Chris Camozzi, who is stepping up on short notice for another shot at Ronaldo "Jacare" Souza. read news >>
Invicta FC featherweight Ediane Gomes said she's no stranger to struggles, but the latest turns of her career have forced her to go hat in hand.Filed under: News, UFC read news >>
Invicta FC returns for its first show of 2016, and it is headlined by Cris "Cyborg" Justino in another featherweight title defense. Overall, the card features eight fights with two title tilts. Other read news >>
Join Knockout Radio for the podcast of their June 15 broadcast with Stephen "Wonderboy" Thompson, a UFC Fight Night 89 preview, and the week in MMA news! read news >>
Fight Network previews fight cards taking place this weekend including 'Ultimate Glory 15' that aired live on Fight Network and re-airs on March 24 at 1 a.m. ET as well as BAMMA 9, Bellator 62 and Er watch video >>
http://www.fightnetwork.com - Fight Network previews Bellator MMA 108 set for November 15, 2013 in Atlantic City, N.J. featuring Quinton "Rampage" Jackson making his Bellator debut vs. Joey "The Mexi watch video >>


text:
I used Jetpack to replace my Subscribe to Comments Reloaded plugin. And Jetpack also offered social login.
The only thing is, if I want to reply to the comment in my backend, all the options to easily make a link, or make something bold are GONE.
Is this normal?
Kind regards Willem


text: 12/5/13 - Jags RB Jordan Todman (30) gathers in a pass from Ace Sanders for a TD at 6:12 in the 3rd quarter for the Jaguars to take a 24-10 lead. The Jacksonville Jaguars played a Thursday night game on Dec. 5, 2013 against the Houston Texans on EverBank Field in Jacksonville, FL. (AP Photo/The Florida Times-Union,Gary McCullough)


text:
1200 Reviews
$1000 Protection*
I've used Appliance Factory Parts previously and had a very good experience. Easy to find what I needed. Easy checkout process.
Valve w/manifold assy
Charbroil: 463241704 463241804 463252005 463252105
This part may fit other models. Please contact us if you require additional assistance.
Our warehouse is stocked full of parts for all kinds of appliances.
Questions? Just ask - No call centers!
We are a USA business based in Denver, Colorado and we stand fully behind our products and service


text:
I´m using your plugin for a long time and I´m really happy with it - works great!
Now I tried to insert a form (using formidable pro) on the page. I want the users to get fans by clicking the Like-Button first. This works and I set the featured image for this.
After filling the form the user clicks the submit button and the page reloads, now the featured image is shown again although the user is a fan now. Normally the page should display "Thank you for filling the form..." - Formidable does this automatically.
Any idea what may cause this?
Best regards,


text:
Peppermint Brownies
Looking for recipes for peppermint brownies? Taste of Home has the best peppermint brownie recipes from real cooks like you, featuring reviews, ratings, how-to videos and tips.
Recipe Spotlight
"When I served this treat to my family on St. Patrick's Day, it was an instant success," writes Karen Hayes, a graduate student from Conneaut Lake, Pennsylvania.Get Recipe


text:
Queensland coach Mal Meninga on verge of signing new contract
- From: The Courier-Mail
- July 05, 2011
QUEENSLAND'S build up to the decider has received a boost with Mal Meninga close to inking an $800,000 extension - the richest coaching deal in State of Origin's 31-year history.
In a major show of faith in Meninga, Queensland Rugby League chief executive Ross Livermore said the QRL board was happy to agree to a four-year upgrade, regardless of whether the Maroons suffered their first series loss since 2005 tomorrow night.
Retaining Meninga will be one of incoming QRL boss Robbie Moore's first tasks when he replaces the retiring Livermore at the end of this month.
The financial terms of Meninga's deal has yet to be finalised, but The Courier-Mail understands it will be in the vicinity of $200,000 annually, reflecting the Maroons coach's beefed-up role as a full-time ambassador of the QRL.
Livermore confirmed that Meninga's contract extension, until the end of 2015, would be locked in shortly after the completion of the Origin series tomorrow night.
"We wanted to put it on hold while the Origin series is on but when it ends we'll look to finalise it," Livermore said.
"It's hard for me because I will be leaving, so I want to get Robbie Moore involved in the process and then the board can sign off on it.
"We need to work out what Mal can actually do for us and what would be a fair remuneration for that work. He has told us he wants to coach the Origin side for (the next) four years and the board has no problem with that, it's a matter of what we do to build around it as well.
"Mal is interested in making it a full-time role and part of that would be ambassadorial.
"This would give him time to visit players and set things up properly in the lead in to Origin."
Meninga, who turns 51 two days after Origin III, underlined his ambitions before this series, tabling a four-year blueprint to the QRL to help ensure the Maroons' dominance.
Former Maroons coach Michael Hagan, now Meninga's assistant, is adamant the Queensland legend remains driven to succeed in the face of a Ricky Stuart-inspired NSW revival.
"The really good thing is that Mal has some good ideas and concepts on the next three or four years," he said.
"As much as he's achieved in the six years and we're looking forward to (the decider) next week, I know he is thinking a bit more bigger-picture stuff about where Queensland fits into the Origin program.
"In the end, it's a matter of Mal and the QRL sorting it out, but I can see he is still enthusiastic and passionate about being involved."
Like Meninga, Hagan has yet to commit to the Maroons for next season, but is likely to be on-board if he receives the backing of his employers, Moylan Business Solutions.
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text:
Actually, been wanting to post this in February but the cook had an accident and broke him arm. Ended didn't cook for several weeks. I think they should open by now.
I haven't been blogging about food for awhile. So, here goes…
The week before Chinese New Year, a friend took us to this shop. Actually, this shop belongs to a colleague's parents. So we went to try the food and also to give support. I guess for Kepong folks, this shop does not need anymore introduction as I could see almost every table is ordering the same dishes.
The must have dishes are as follows:-
Buttered fried tilapia
Hak Cheong Yao Far Lam (Crispy fried chicken in black sauce – it actually tastes like pork lard!)
Assam Sotong
Marmite chicken
Egg tofu with minced pork and salted vegetables
The other dishes we supposed to try, I think it's salted egg sotong. I guess this warrants a second visit.
Pusat Makanan Taman Kepong
Taman Kepong (Kuang Bulan),
Kuala Lumpur, WP Kuala Lumpur
(Turn in left at tyre shop near the main road opposite the Kepong KTM station)
Open for dinner only.


text:
Hey guys,
So there are a few posts on my site which are password protected. I have made it so that the posts do not display the picture on the index page BUT if you click the title it takes you to the post and allows you to see the image. You still need to enter a password to see the whole post but you can see the picture. I hope this was clear. Basically, I do not want people to be able to see the picture on the post unless they enter the password. How would I do this?


text:
Email this article from PlasticsNews.com
Beware when seeking registrar
Caveat emptor is an adage most of us have grown up with since childhood. (Those high school and college Latin classes have really come in handy.) Seriously, we check Consumer's Report to determine what stove, refrigerator, camera, or car to purchase, but when it comes to a company looking for an ISO 9000 registrar many fail to investigate and do their homework before signing a contract. Worse yet, many companies are only concerned with price and sign up with unaccredited registrars, which end up taking them to the cleaners.
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Definition of disgusting in English:
Arousing revulsion or strong indignation: he had the most disgusting rotten teeth I think the decision is disgusting
More example sentences
- Lee said showing the 1962 war epic was a disgusting and offensive way to mark the emotional trip.
- We wish to object to the disgusting sight we have to put up with whenever we look out of our window.
- Alexia looked at me like I had just said the most vile and disgusting thing about her.
revolting, repellent, repulsive, sickening, nauseating, nauseous, stomach-churning, stomach-turning, off-putting, unpalatable, unappetizing, uninviting, unsavoury, distasteful, foul, nasty, obnoxious, odious;
North American vomitous
informal yucky, icky, gross, sick-making, gut-churning
British informal grotty
Northern Irish informal bogging
archaic disgustful
offensive, appalling, outrageous, objectionable, displeasing, shocking, horrifying, scandalous, monstrous, unspeakable, shameless, shameful, vulgar, gross, vile, wicked, odious, heinous, abhorrent, loathsome, obnoxious, detestable, hateful, sickening, contemptible, despicable, deplorable, abominable, execrable;
unforgivable, unpardonable, inexcusable, intolerable, insupportable, beyond the pale
informal horrid, ghastly, sick, God-awful
British informal beastly
archaic disgustful, loathly, scurvy
rare egregious, exceptionable
- Example sentences
- Part of me feels disgustingly horrible, and there's no way to get around it.
- It's so muggy and sticky and every time I breath in, the air feels disgustingly warm and damp.
- Sometimes the pool areas and the cubicles were in a disgustingly dirty state.
disgustingness noun
- Example sentences
- And they've been trying to shake off their reputation for sneakiness, deviousness, and just plain disgustingness, hoping for a new image in the 21st century.
- To be honest, I don't think I could fully explain the sheer disgustingness of what this book describes.
- Kant observed that there is, with the one exception of disgustingness, nothing so ugly that it cannot be represented as beautiful, war being one of his examples.
Words that rhyme with disgustingself-adjusting, trusting
For editors and proofreaders
Line breaks: dis¦gust|ing
Definition of disgusting in:
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Sun 28th Jul at 11:30am / 2:30pm
My Brother The Robot
@ The Atkinson, Southport
Featuring: Tall Stories Theatre Company
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Check out the info below for future tour dates, and track them to receive alerts when they tour near you
My Brother The Robot: Tall Stories Theatre Company
Bobbie is a little girl who lives with her inventor dad; they have everything they need until one day Bobbie announces that she wishes she had a little brother.
So Bobbie's dad locks himself away in his lab and works day and night to create a special present for Bobbie… a robot little brother. Bobbie loves her new little brother, and tells him all about how the world works. But when Bobbie gets into danger one day, will her robot brother save her?
Tall Stories Theatre Company
Tall Stories is dedicated to bringing great stories to life on stage for audiences of all ages. The company is a registered charity which has become internationally recognised for its exciting blend of storytelling theatre, original music and lots of laughs.
"Tall Stories sets the benchmark for children's theatre" Sunday Times
Tall Stories Theatre Company tour dates
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Venue Facts
Venue: The Atkinson
Website: theatkinson.co.uk
Bookings: 01704 533 333
Disabled Bookings: 01704 533 333
→ Southport 3 min walk


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After going through with the latest Samsung Galaxy S III announcement, LG has also announced a new device to give a little challenge to the new Galaxy device. LG introduced the latest Optimus LTE2 smartphone which comes packing a whopping 2GB of RAM, becoming the first smartphone to feature that much of RAM.
In additon to the RAM, Optimus LTE2 sports LG's latest "True HD IPS" display and runs on the Android 4.0 ICS. Still nothing has been confirmed about the other specs of the device. But it is expected to features a 2,150mAh battery and a WPC-powered wireless charging system. It will land in Korea sometime within this month, although the pricing and the world-wide availability is yet to be revealed.
[Via: LG announces Optimus LTE2, coming to Korea mid-May with True HD IPS and 2GB RAM Engadget]
(All The Images, Trademarks, Logo's Shown on this Post are the property of their respective owners)


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A Florida Highway Patrol trooper injured in a car crash is recuperating from his injuries at home.
A tractor trailer collided with Trooper Milton Brown's vehicle at a high rate of speed on Interstate 10 near Chipley.
The tractor trailer ended up in a swamp some 50 yards from the crash.
He was airlifted to the Southeast Alabama Medical Center.
If you would like to send your wishes, you can email Trooper Brown at firstname.lastname@example.com.


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Browse All Lessons
Search our recommended websites »
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National Park Foundation's Electronic Field Trip
Grades 4-8 can learn about various topics (e.g., civil rights, climate change) through electronic field trips to national parks. There are more than a dozen EFTs archived on the site, each with an on-demand video and related lessons.
|Lesson Plan; Multimedia
History of the English Language
The BBC and British Library both have interactive timelines describing the development of the English language. The BBC site is suitable for grades 6-8 and the British Library site for grades 9-12.
10 Things for Women's Equality Day
Women's Equality Day is August 26 and commemorates passage of the 19th Amendment to the U.S. Constitution, granting the right to vote to women. These resources help grades K-12 learn about the suffrage movement and the 19th Amendment.
|Background Reading; Lesson Plan; Multimedia
Classroom Resources for Nelson Mandela, Apartheid, and South Africa
These lessons and resources will provide biographical information and historical context for a study on Nelson Mandela and his contributions to the end of apartheid in South Africa.
|Background Reading; Lesson Plan; Multimedia
Teaching About the Selma to Montgomery Marches, Grades 6-12
Lessons, activities & other curriculum resources for teaching grades 6-12 about the 1965 Selma to Montgomery Marches, nonviolent activism, the Voting Rights Movement, and more.
|Themed Package
International Day Of Peace Resources
Observed around the globe annually on September 21, the International Day of Peace is dedicated to the absence of war and violence. Use these resources to teach about peace, conflict, and justice.
|Article; Background Reading; Lesson Plan
Understanding the Stock Market
The interconnected economies of nations is more evident than ever. The following lessons, activities, resources, and videos provide a basic understanding of stocks and the market including their relevance in the United States and the world.
|Lesson Plan
Rethinking Columbus
The traditional story of Christopher Columbus: What is fact? What is fiction? Help K-12 learners explore the reconsideration of the discovery of America with these resources.
|Article; Background Reading; Lesson Plan; Multimedia
Clean Energy Education
Lesson plans, activities and resources that empower students to make informed choices and develop creative solutions to environmental challenges.
|Background Reading; Lesson Plan; Multimedia
Cesar Chavez
Cesar Chavez Day is March 31st. The following lessons and resources will help commemorate the plight of Chavez: organizing farm workers to improve their lives and working conditions and his legacy in American history.
|Lesson Plan
Lemelson-MIT Program
This award-winning web site celebrates outstanding inventors and inspires 3-12 learners to pursue creative lives and careers through invention.
|Lesson Plan
Black History Month Lessons & Resources, Grades 6-8
To help you integrate Black History Month into your classroom, we offer a selection of lesson plans that cover a variety subjects and that can be adapted to fit grades 6-8.
|Themed Package
A Sightseer's Guide to Engineering
This virtual field trip takes students through each of the 50 states to visit engineering projects. The resource could support social studies or STEM classes.
|Background Reading; Multimedia
The Story of Stuff
Find short online movies and other resources that explore key features of our relationship with stuff. Resources examine sustainability, national debt, corporate power and democracy, electronics, cosmetics, bottled water, and cap and trade.
|Background Reading; Lesson Plan; Multimedia
Google Search Education
Help your students become better searchers. Google Search Education provides lessons, activities, posters, tips, and webinars to help teachers hone their own and their students' web search skills.
|Background Reading; Lesson Plan; Printable
National School Lunch Week
The second week in October is National School Lunch Week! Use these resources to learn about the National School Lunch Program and other organizations that support low cost healthy options for children each school day.
|Background Reading; Themed Package
10 Inauguration Day Resources
Students in all grade levels learn about the Presidential Inauguration and how it has changed over time with our recommended activities, background resources, primary source documents, videos, printables, and more.
|Background Reading; Lesson Plan; Quiz
Teaching Channel: Videos That Inspire Teaching
Find more than 800 videos of effective K-12 teaching practices, which can be searched by keyword or browsed, and filter by subject, grade, and topic. Registration is free and allows access to downloadable resources.
|Lesson Plan; Multimedia
Explore the RMS Titanic
The 100th anniversary of the sinking of the Titanic (April 15, 2012) offers a unique teaching opportunity, and a variety of websites offer online resources, including historical documents, multimedia activities, printables, lesson plans, and more.
|Background Reading; Multimedia
General History Resources: Games and Animations
A growing set of games and animations organized around broad historical periods for 5-12 learners, these resources make learning - and teaching - history fun!
|Lesson Plan
Perry-Castañeda Library Map Collection
More than 46,000 map images are available from a collection of 250,000 maps covering all areas of the world, including historical maps and thematic maps that show climate, energy, ethnography and religion, industry and economy, and more.
Nellie Bly
This Web site celebrates the life and journalistic achievements of a pioneering investigative reporter and female war correspondent. It's a good supplementary resource for grades 5-8 social studies and language arts and grades 9-12 journalism.
|Background Reading
Barbed Wire Baseball
This novel's energetic prose and dynamic illustrations provide a good introduction to Japanese-American internment during WWII. We suggest related readings, primary source documents and a lesson plan to help you plan a unit of study.
|Background Reading
Flag Day Resources
Seven recommended Web sites explore the history of the stars and stripes through images, songs, timelines, crafts and activities, lesson plans, interactive quizzes and more.
|Background Reading; Lesson Plan; Multimedia
Spatulatta: Cooking 4 Kids Online
This award-winning web site introduces cooking with a focus on fresh food and minimum processing. Students are encouraged to eat well, to take pride in their accomplishments in the kitchen and to understand the connection between farm and dinner table.
|Multimedia; Printable


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Hello everybody,
I'm working on a website which uses WordPress pages exclusively (no posts). Is there a proper way to link the Next & Previous Page (not post)? Can anyone help with the right php code? How does the page order (as declared in the admin pages section) affect the code?
I've been trying different bits of code found on the internet, however none of them seem to be working. I've even searched this forum, but ill i got was people referring to posts or pages of posts, which is not what i'm looking for.
Thanks a lot!


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Book your room at Baymont Inn & Suites Logan
Get an overview of this hotelMotel in Logan with free breakfast and indoor pool
Situated in Logan, this motel is within a 5-minute walk of Hocking Hills Craft Mall, Adventure Golf at Rempel's Grove, and Logan Antique Mall. Hocking Hills Regional Welcome Center and Paul A. Johnson Pencil Sharpener Museum are also within 10 minutes.
Property Features
This motel features an indoor pool, a spa tub, and a business center. Free continental breakfast, free WiFi in public areas, and free self parking are also provided. Other amenities include meeting rooms, a 24-hour front desk, and a computer station.
Room Amenities
All 52 rooms provide conveniences like refrigerators and microwaves, plus free WiFi and flat-screen TVs with cable channels. Other amenities available to guests include coffee makers, free local calls, and safes.Would you like to give us feedback? Share it! Opens in a new window
Baymont Inn & Suites Logan12819 State Route 664 S Logan OH 43138
Hotel Amenities
Hotel Amenities
Baymont Inn & Suites Logan features an indoor pool and a spa tub. A computer station is located on site and high-speed wireless Internet access is complimentary. This motel offers access to a business center and meeting rooms. Guests can enjoy a complimentary breakfast each morning. Event facilities measure 900 square feet (84 square meters). Complimentary self parking is available on site.
- 24-hour front desk
- Total number of rooms - 52
- Number of floors - 2
- Business center
- Free breakfast
- Computer station
- Free WiFi
- Meeting rooms 2
- RV, bus, truck parking
- Free self parking
- Conference space size (feet) - 900
- Free RV, bus, truck parking
- Conference space size (meters) - 84
- Number of meeting rooms - 2
- Number of buildings/towers - 1
- Spa tub
- Indoor pool
Family Friendly Amenities
- Indoor pool
- Free Wi-Fi
- Refrigerator
- Microwave
Available in all rooms: Free WiFi
Available in some public areas: Free WiFi
Free self parking, RV, bus, truck parking, Free RV, bus, truck parking
Room Amenities
- Air conditioning
- Free local calls
- Refrigerator
- Coffee/tea maker
- Daily housekeeping
- Private bathroom
- Free toiletries
- Shower/tub combination
- Cable TV service
- Iron/ironing board
- In-room safe
- Television
- Desk
- Flat-panel TV
- Free WiFi
- Microwave
- Connecting/adjoining rooms available
Where to Eat
Guests are offered a complimentary continental breakfast each morning.
Nearby Things to Do
An indoor pool and a spa tub are on site.
To make requests for specific accessibility needs, complete the "Special or Accessibility Requests" section of "Trip Preferences" when you book your hotel.
- Accessible bathroom
- In-room accessibility
- Roll-in shower
Hotel Policies
Check-in time starts at 3 PM
Minimum check-in age is 21
Check-out time is noon
Payment types
- Pets not allowed
You need to know
Extra-person charges may apply and vary depending on hotel policy.
Government-issued photo identification and a credit card or cash deposit are required at check-in for incidental charges.
Special requests are subject to availability upon check-in and may incur additional charges. Special requests cannot be guaranteed.
24-hour check-in
No rollaway/extra beds available
No cribs (infant beds) available
Hotel Name
- BAYMONT INN Motel LOGAN
- Baymont Inn Logan Hotel Logan
- Baymont Inn Logan Ohio
- Baymont Inn Logan Motel
- Baymont Inn Motel
We should mention
The property has connecting/adjoining rooms, which are subject to availability and can be requested by contacting the property using the number on the booking confirmation.


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The Music Business: Explained in Plain English : what Every Artist and Songwriter Should Know to Avoid Getting Ripped Off!
DaJé Pub., 2000 - Music - 142 pages
This revised, updated and expanded edition offers savvy dealmaking techniques, methods to protect musical works, and career-building and money-saving tips for musicians. It is an invaluable primer for artists and songwriters who feel like they are at the mercy of industry pros.
From inside the book
84 pages matching Naggar in this book
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Review: The Music Business (Explained in Plain English): What Every Artist and Songwriter Should Know to Avoid Getting Ripped Off!User Review - Damon - Goodreads
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Common terms and phrases
actually advance advertising AFTRA agents agreement amount artist's record artist's royalty rate ASCAP and BMI attorney band members band's name base rate CD-ROM or DVD charged company's compulsory license compulsory mechanical license Copyright Act Copyright Office copyright owner cross-collateralization deductions distribution dollars film company gold album gross Harry Fox Agency hire income independent distributors independent label label record company license fees major label record major publishing company major star master recording mechanical royalties merchandise monies movie music business music industry Music Publishing music supplier N Sync Naggar negotiate pays the songwriter percentage performance rights society performing royalties personal manager producer profits publisher's share publishing deal receive 50 record contract record deal record producer record sales record stores recoupable registered retail royalty payments sell service mark SESAC signed someone songwriter and publisher songwriter's songs soundtrack album SRLP sure sync license tour Tower Records trademark typically writing


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Design Boutique & Romantic Hotels in Barcelona, Spain
Sort by price: Lowest | Highest
Chic & Basic Born
If it's cool you are after, then the concept Chic and Basic Born hotel will provide a great introduction to life in Barcelona, as it's the sort ...
Hotel Barcelona Catedral
Prices for this hotel are shown as estimates (minimum to maximum). They change regularly depending on a number of factors, including availabilit...
Hotel Brummell
The interior is highlighted by young European designers whose use of traditional and n...
Hotel Claris
Hotel Claris is housed in the former Vedruna Palace, whose splendid 19th century facade has been preserved with the hotel renovated in 2012, hou...
Hotel Constanza
Prices for this hotel are shown as estimates (minimum to maximum). They change regularly depending on a number of factors, including availabilit...
Hotel Cram
Striking contemporary design in the historic heart of Barcelona.
You simply can't fault the Hotel Cram's location. Close by to the Ramblas and...
Hotel Pulitzer
A prize for the Pulitzer– the Pulitzer prize! Ok, that's for books but this hotel also deserves some sort of award. All the right boxes are tick...
Margot House
Praktik Rambla
Barcelona seems to have done it again.
One of the newest additions to the city's portfolio of hotels has also instantly become one of its best...
Vasanta Hotel Boutique
The Vasanta is a luxury boutique Hotel in the very heart of Barcelona. The space is built radially from the patio of the building, that animates...
Yurbban Trafalgar Hotel
Tips from Travellers
Looking for the unusual and authentic? Take a look in our travel blog and find great things to do, great food with a selection of mouth-watering local specialities, our favourite destinations and much more.
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15 Moms React to Angelina Jolie's Wedding Veil
"Good thing you were born after the wedding!"
Most Popular
Angelina Jolie got married in a couture Versace gown with a veil the atelier specially embroidered with her children's doodles. Obviously the only opinions on this get-up that matter are those of moms. Here's what yours had to say.
Advertisement - Continue Reading Below
Ask your mom what she thinks of the veil and tweet her response to @Cosmopolitan with #CosmoMoms!
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The dial that Willy sees in the mirrors does not match the dial on the vault a few minutes later when he drops the money. The first dial has only ten numbers spaced out around the complete circumference of the dial. The dial he attaches to the vault in the second shot has more numbers which are much smaller and spaced closer together, and only cover about two-thirds of the circumference. Later when Paris breaks into the vault, the dial has reverted to its original appearance when he goes in, and then the more cramped configuration yet again when he leaves.
Jim: The House of Rakozny dates from the 14th century without a breath of scandal. Now, to protect it, you would ask me to become a thief and a traitor to my country.
Stravos: We all have to make little compromises.
Paris: I mean half of the hundred million. A full partnership.
Stravos: Ohhh, no, you can't be serious.
Paris: I am very serious when it comes to risking my life. I don't know what I would do without it.
Jim: The sound frequency in that corridor is three million cycles. You won't be able to hear it, but in two minutes it can turn you into a vegetable.
Paris: I will try to remember that.
The brief shot of Stravos' voice print is recycled footage from the third season episode "The Bunker" where the laboratory there had a similar sound system.
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Melissa Gorga's kids are gearing up for the holidays. She shared this sweet picture of her three kidlets, Antonia, Gino and Joey, enjoying a fun box of Christmas goodies. [Read more…]
Melissa Gorga's Kids Get Creative With Their Christmas List!
Melissa Gorga's kids joined forces and decided that making an ordinary Christmas list wasn't the way to go this year. Joey, Gino and Antonia made sure mom and dad wouldn't miss their special request and wrote it on the sidewalk at their house!
It's a Hard Knock Life For Melissa Gorga's Kids
Melissa Gorga's kids may look like they're trying out for the new, wealthier version of Annie, but really, they just truly felt like helping mom out! The reality star shared, "when you walk in the house & the kids say they felt like cleaning."
More Celebrity Kids Halloween Costumes!
Celebrity parents took to social media this weekend to show off their adorable kids dressed up in their Halloween costumes. Many parents took a family approach to dressing up – and the results are amazing.
Pink and Carey Hart were too cute with their E.T. -inspired family costume! Willow dressed up as E.T. while Carey was Elliott and Pink was Gertie.
Melissa Gorga's Boys Look Dapper For Family Wedding – Photos
The Gorga family put on their best party clothes and enjoyed a family wedding this weekend. Melissa Gorga showed off a few photos of her kids (and hubby Joe) all dressed up and Antonia was even the flower girl!
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