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Forget the hassle of untangling strings of lights; this year plenty of bulbs around Amarillo will glow for holiday entertainment.
Nites of Lights in John S. Stiff Memorial Park, Southwest 48th Avenue and Bell Street, runs from 6 to 11 p.m. daily until Dec. 29. Hundreds of light displays wrap around the park, with several new additions.
The fourth annual event is free, but donations are accepted at the exit of the park.
"This will help people get into the spirit of Christmas and take our minds off all the problems facing the world today," said Dusty McGuire, Keep Amarillo Beautiful coordinator.
Thousands of lights will be strung around West Texas A&M University. The annual Carol of Lights will begin at 6 p.m. Tuesday on the south steps of Old Main on the WT campus in Canyon.
WT choirs will sing Christmas songs, and President Russell Long will turn on the lights draped across campus buildings, trees and shrubs. Drinks and sandwiches will be served inside Old Main after the program.
The city of Amarillo will turn on its Christmas tree lights Dec. 7, after the sixth annual electric light parade. The switch will be flipped in front of the Civic Center, 401 S. Buchanan St.
The parade will begin at 6 p.m. Illuminated floats will travel from South 11th Avenue down Polk Street and turn east on South Fifth Avenue.
Houses at Bishop Hills, northwest of Amarillo, will once again be lighted. People can visit the village between 6 and 10 p.m. weekdays and 6 p.m. to midnight weekends beginning Dec. 7, Bishop Hills Mayor Larry Johnson said.
Donations will be accepted, with the money divided between Bishop Hills and the Potter County Fire-Rescue Department. Inside the village, the money is spent to beautify the area with flags and curbing, Johnson said.
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Today, Brandon Graham will address 50 high school freshmen. He will hope to inspire them.
He will point to himself, how he emerged from the streets of Detroit to earn a scholarship to Michigan; how, encouraged by men such as he has become, he eventually thrived; how, even now, as the Eagles' first-round pick and projected starter at left defensive end, his size (6-1, 268 pounds) and his abilities are questioned.
He will tell them, "A lot of people say, 'Brandon Graham went in the first round?' "
And he will continue, "That's my motivation. Don't be mad at it; take it as motivation."

subset: commoncrawl


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David Sedaris to appear at Riverside Theater Nov. 1
Humorist and author David Sedaris will share his stories and wit in an appearance at 8 p.m. Nov. 1 at the Riverside Theater, the venue announced Tuesday.
Sedaris' most recent collection of essays, "Let's Explore Diabetes With Owls," came out last month. The frequent "This American Life" storyteller's previous bestsellers include "Naked," "Barrel Fever," "Me Talk Pretty One Day" and "Holidays on Ice." »Read Full Article
AT&T drops Al Jazeera America news channel just before debut
Al Jazeera America, the first all news cable network since Fox News Channel debuted in 1996, begins broadcasting at 2 p.m. Tuesday. But shortly before its debut AT&T U-verse announced it would not carry the channel in a contract dispute, according to The Wrap.
It is also not carried by Time Warner Cable. It will be carried by DirecTV (Channel 358) and DISH (Channel 215). It will be in less half as many TV homes as CNN and Fox. »Read Full Blog Post(104)
New Berlin grad makes Betty White leap for joy on 'Tonight Show' segment
New Berlin — New Berlin West High School graduate Kevin Bania appeared on the Aug. 8 "Tonight Show with Jay Leno" in a segment called "Does This Delight Betty White?" »Read Full Article
Milwaukee Film Festival announces music movie program
Film and music are twin siblings from another mother. Because they are so alike in creative spirit, it's not surprising when filmmakers explore the musical impulse, and vice versa.
This is particularly evident from the 2013 Milwaukee Film Festival's eight-film Sound Vision lineup, announced Tuesday. »Read Full Blog Post(1)
On Tap Today: Wanted - Seeking Milwaukee teen pop fans to 'Call Me Maybe'
Carly Rae Jepsen, pictured here opening for Justin Bieber at the BMO Harris Bradley Center last October, will co-headline the Riverside Theater tonight with boy band the Wanted. Journal Sentinel photo by Mike De Sisti. »Read Full Blog Post


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Area Activities
Things to Do in Sarasota, Florida - Golfing, Fishing, Culture, and Beaches
Tee it up on surrounding world-class golf courses, take a deep sea fishing trip into the Gulf, go shopping at St. Armands Circle, and enjoy a multitude of fun things to do while visiting Siesta Key, FL. Fill your nights with the incredible choice of art and nightlife excitement within a walk or short drive from our condo-style hotel rooms. Check out nearby Lido and Longboat Keys, or take a quick jaunt into the picturesque Siesta Key Village for a light bite or stroll through the chic boutiques.
Marie Selby Botanical Gardens
This peaceful retreat on the bay, just south of downtown, is a beautiful botanical garden, worth visiting during your stay at Hyatt.
Art Center Sarasota FL
Art Center includes four galleries, showcasing a variety of themes and exhibitions. View works of fine art from local, national and international artists.
Jungle Gardens
Stroll along a trail that wanders through this wildly overgrown paradise. With an ever-changing landscape of jungle growth around open-pond shorelines and exhibitions.
- Sarasota, Florida Family Activities & Things to Do
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- Sarasota, Florida Spa Vacation
- Sarasota, Florida Fishing Charters
- Sarasota, Florida Tourism Information
- Sarasota, Florida Theatre Arts
- Sarasota, Florida Film Festival
- Sarasota, Florida Music & Entertainment
- Sarasota, Florida Guide to Visual Arts
- Sarasota, Florida Orioles Spring Training
- Siesta Key Village


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Man on the run
4000 Miles at Ion Theatre
Mukul Khurana 2 p.m., Sept. 29
Jerry Goldstein instructs participants in Internet basics such as how to use a mouse, how to search the Internet, preview and print web pages, and how to get and use e-mail. 858-538-8163.
17110 Bernardo Center Drive, San Diego, 92128
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You can almost hear the sweet songbird singing in this delightful piece of canvas wall art.
A gentle songbird stops to rest and enjoy the country landscape in this wall art print that will brighten up most any room. Printed on canvas using the giclee process which accurately recreates the artist's original vision.
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SIZE .88 oz
We are no longer offering Face Powder N by Paul & Joe Beaute. Discover a new favorite or contact our beauty concierge for further assistance.
Paul & Joe Beaute's Face Powder is a lightweight, ultra silky loose powder for finishing your makeup application. It enhances your natural skin tone, creates a fresh appearance and improves skin health and texture with botanicals and hydrators. The complexion is left radiant, silky soft and healthy-looking.
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Regatos Cottage - 2 bedroom Cottage in the North Cost - Sleeps 5
Maximální počet hostů5
Počet místností2
Velikost75 m²
Floor No.
- Balkón/terasa
- Ručníky
- Kuchyně
- Televize
- Pračka / sušička
|Estrada Regional, 9240-118 Ponta Delgada, Portugalsko
|Typ nemovitosti
|Rekreační dům
|Ident. objektu
|Acceptance rate
|Response time
|A few hours
|Calendar updated
|2 weeks ago
Well-equipped kitchen and BBQ, small garden and balcony.
With 2 bedrooms, one with double bed and the other one with 3 single beds, is ideal for families or couples looking for a relaxing break away from all or wish to explore the Unique North Cost of the island.
|Cena za více než 2 ubytované(ých)
|17 € Cena za osobu/noc navíc
|Příjezd po
|Check-in before
|Odjezd před
|Stornovací podmínky
Ik kan kort en helder zijn: perfect!
Fantastische service en altijd bereid om vragen te beantwoorden.
We have rented the place so our son could work in Funchal during the summer period that needed to be relatively close to the place he had his summer job. It was a bit of a complicated arrangement where we he'd be alone for some weeks, a few weeks one of us would be with hem and o2 weeks we would be all 3 present. The apartment is nicely located next to the Forum, on walking distance from the restaurants and his work. It have big t erase with BBQ, sere and 2 rooms with bathroom and a kitchen. It should accommodate 3 people. Unfortunately the sleeping arrangements can be sorted out only for one person if you want any comfort. The round bed is not suitable for almost anybody. The other sleeping possibilities should be 2 leather sofa's. One is to narrow and the other one have 3 different levels. Its impossible to open them creating a sort of a normal bed. Sleeping in a summer on leather is not nice at all, everything slides off it, its noisy and very unpleasant. During our stay the place was infested with cockroaches. Although the cleaning personnel did some effort to get rid of them it was not even close to what needed to be done to solve that problem.
The apartement ist perfect situated in the center of Funchal- 1 minute to the market - 3 minutes to supermarket and bus stations. This is very helpful if you like to travel by bus. - Airport Bus is 5 minutes away! It is fully equipped (even a small heater - we needed it !) and very comfortable. The W-LAN is fast. Only negative point is (if you like it very quiet) that the neighbours are often loud and you can here the drums from the music school dowenstairs. If you are uesd to live in apartments - that is nothing uncommon. All in all a perfcet place to stay!
We enjoyed our stay at the flat in Funchal. It is a bit hilly from downtown 8 min away, but I guess it is only at the airport where it is flat for more than 200 meters at Madeira. The flat is great and lots of space. Also we enjoyed sitting at the balcony. Further to watch sunrise and sunset from the top of the building where there is awesome view over Funchal. Very nice cafes justt two minutes away with some of the best bread I ever have tasted. Welcome to Funchal! (-:
Great apartment, great location and we really enjoyed Funchal. An ideal base to explore Funchal an Madeira. Recommended all the way!! Thank you!
We had a wonderful stay in Funchal. The flat iswell-equipped, large enough, clean and comfortable with a terrasse that invites for sun-bathing.
It was quiet (apart from a dog in the surroundings which kept barking).
The flät is very central. It is near to the town centre and to other points of interest, for example Monte. Coming from the airport, it is bus stop 03 of the shuttle bus and from there, 3 minutes walk (steeply up the hill).
The procedure of taking over was well-organized.
We would be coming again!
Very helpful comms from the start, the transfers were organized for us. We found the apartment beautifully clean, modern with fantastic views to the sea and out to the mountains. Bus stop within 1minute walk with regular service, supermarket 10minute walk uphill, and a 20minute walk to central funchal. We didn't hire a car and in hindsight feel we made the right decision. Beautiful apartment and a wonderful city, we look forward to coming back!
Peaceful corner was the perfect place for discovering of Funchal and Madeira
This was our first time of experience to rent an apartment for vacation. It was great ! The apartment was modern, a lot of space and a really nice view.
We definitely can recommend to anyone who is seeking for a quiet place to live.
From there you could travel around easily by car. Madeira was worth to visit and great for hiking. Or just enjoying the landscape.
It is a realy beautiful appartment at the first floor with a big balcony with a nice view at the garden which has sunshine in the morning. Unfortunally you don't have a view at the ocean nor at the swimmingpool as the photo's do imagine.
You can easely walk to the center of Funchal and a fantastic bakery is at the end of the street as well as a supermarket.
- Ověřenou kvalitu ubytování
- Prověření každého hostitele
- Bezpečné platby prostřednictvím SSL šifrování


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1. Hang a pinecone garland around a door. Copper Striped Taper Candles and (similar) Silver Twig Candleholders 2. Find unique candle holders and snazzy candles to jazz up your mantel. 3. Make DIY placecards with small vases and sprigs of … ** Read more **
15 Charming Ideas for Christmas Decorating
Merry Christmas from Our House to Yours
Merry Christmas friends! I know by this point everyone is nestled in after all the celebrations and hopefully still enjoying friends, families or peace on earth! But I didn't want this Christmas to go by without an official Merry Christmas from our … ** Read more **
Free Printable Gift Tags
Petit Pippin (download HERE!) ^ Hey there friends! I'm here, wrapping gifts, planning family times and refocusing my attention from a busy schedule to just wanting to take a deep breath and be fully present at home. I hope you are all able to slow … ** Read more **
The Unraveling
Well, it happened. I knew I was probably jinxing their good behavior when I posted about the pups in part two of the Christmas tour mentioning that "we are keeping our fingers crossed that they are more civilized this year :)." Wouldn't you … ** Read more **
Pretty Wrapping Paper Inspiration
Cox & Cox // Get copper wrapping paper here and copper tape here! Artifact Uprising | Photo by Fawn Deviney Oh So Beautiful Paper Unknown source (anyone know it?) // Chapel Hill Magazine Eye on Details Fellow Fellow Printable Pine Cone Gift … ** Read more **
Christmas House Tour {Part Two}
Greetings, friends!! My internet has been out and our lights flickering all evening. It's a wee bit stormy around here and more winds are threatening to blow through. I was so worried I wasn't going to be able to get this post scheduled -- yay me for … ** Read more **
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Our online tools make booking, managing your schedule and paying for lessons easy and hassle-free.
Easily search and compare teachers in your area, including past student reviews and background checks.
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Decorate your birthday party with Big Bird and the gang!
These Sesame Street Party Cutouts contain twelve assorted cutouts of the Sesame Street gang. Each package of Sesame Street Party Cutouts include one 11 inch, three 9 inch and eight 7 inch cardstock cutouts. Use the Sesame Street Party Cutouts to decorate your walls, doors and even as place mats for your birthday party!
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Skip to comments.Housing Boom Fading, Leading Real Estate Economist Says
Posted on 10/31/2005 11:28:13 AM PST by ex-Texan
SAN FRANCISCO, (KRT) - A combination of higher interest rates and years of rising prices could soon take some air out of the hot U.S. housing market.
"The boom is showing some signs of tiring," David Lereah, chief economist with the National Association of Realtors, said Friday. "We are looking at about a 4 percent drop in home sales next year.
"We are projecting a significant drop in the price appreciation pace," Lereah said.
But even though the velocity of the housing market will subside, "we are looking for a soft landing," he told real estate agents from across the country who are meeting in San Francisco.
Economic forecasts have been mixed in recent months, but Lereah is the latest high-profile housing-sector economist to forecast a decline in housing.
David Seiders, chief economist of the National Association of Home Builders, said recently that the housing market is "topping out."
The Realtors association is forecasting that home appreciation will slow from a nationwide average of more than 12 percent this year to only about 5 percent in 2005. In hot markets, the falloff could be more pronounced, Lereah said.
"Some markets are more susceptible to interest rate risks and shock," he said. "I cannot guarantee that there will be no hard landings."
Cities including Las Vegas; Orlando, Fla.; Phoenix and Washington, D.C., are on the Realtors' list of areas that have seen the biggest home price increases in the last three years. Markets like Dallas; Detroit; Austin, Texas; Houston and Denver have remained cool.
"The country is really unbalanced when it comes to the price of a home," Lereah said. "The boom has really discriminated across America."
Many cities are already transitioning from a sellers' market to a buyers' market. And the time it takes to sell a house is increasing in many cities.
"Eventually that seller will have to revise his expectations downward," Lereah said. "Instead of getting 20 percent appreciation in their home they will have to get 5 percent."
Even with the forecast decline in sales next year, housing activity remains at a very high level. And Lereah said the market is fundamentally sound.
"In the real estate market, there is not hard evidence we have bubbles waiting to burst," he said.
But higher interest rates alone will cause a softening in home sales, economists agree.
"Mortgage rates are going up, but they will still be below 7 percent," Lereah said.
While still low by historic standards, he said that mortgage rates approaching 7 percent "could be more troublesome" for some of areas of the country.
The increased use of adjustable-rate mortgages and so-called "exotic" home loans has made some homeowners more vulnerable to higher interest rates. Adjustable-rate loans make up about 30 percent of the mortgage market, Lereah said.
"The biggest risk I see right now in California and other parts of the U.S. is the element of risk introduced by adjustable-rate mortgages and interest-only loans and negative amortization loans," he said.
"When it comes to these exotic loans _ even though it may slow home sales a bit _ I'd like to see stricter guidelines so we can slow housing a bit so we can have a soft landing."
Lereah said among the real threats to the continued health of the housing market are proposals in Washington to cut tax deductions for home mortgage interest and property taxes.
"In my opinion it's terrible timing - it's almost irresponsible," he said. "That would do severe damage to a lot of the local markets across the nation.
"We are looking at probably a 10 to 15 percent drop in home prices" if the proposals become reality.
Already, some regions of California have suffered 15% price declines. Is this economist aware of these facts? I am suggesting that he well aware of the bubble and is softening the blow for his employers. What is going to happen to all those new real estate related jobs across the nation? (Real estate accounts for 45% of all the jobs created in the past two years). Nada por nada.
But what do I know, anyway. After all, I'm just a geezer living the Sheeples Republic of Oregon.
The lumber restrictions aren't helping either.
"We are looking at probably a 10 to 15 percent drop in home prices" if the proposals become reality.
Lets see, the price is up 50% over three years since I bought, and we are looking at a 15% drop? OK
In southern california construction has not kept up with demand. I am seeing multiple offers on properties under 450,000. Tell me again what's making the market go down.
q: How can you tell a realtor is lying?
a: Their lips are moving.
None of them will ever admit that prices are going down. For them its always, "Buy now! They aren't making anymore land!! Buy now or be priced out forever!!"
I have watched as condos in Seattle that were going for 280K at the begining of the year now being sold for 380K in October. I hope the whole house of cards comes crashing down on the speculators heads as soon as possible.
The worst-case speculation regarding adjustable rate mortgages always assumes an increase much greater than the less-than-7% rate cited here. They'll just refi into another 3/1 ARM at about 5.5%. Not a huge hit to the bottom line in the majority of households.
Capping the mortgage interest deduction won't get any further than similar proposals got in 1993. That sacred cow ain't getting slaughtered any time soon, so speculating upon the effects of such a cap is highly premature.
Yes, markets will soften. But it doesn't look like a doom and gloom scenario.
Even the chief economist says the market is fundamentally sound.
You are absolutely correct. I've spent over 80% of the last thirty years in title insurance, and that's what they always say. I lost a title insurance job in mid-August, the bloom was off the rose at that point, as far as new title orders were concerned. Figures that you read in today's paper are from September closings, where the deals were inked back in June or July.
It's all downhill for real estate from here. Sure glad I found a job outside of that industry.
Exactly. Most economists are predicting a 15%-20% downturn in the Central California housing market when interest rates go back up. Since I'm up 40% since I bought it, I'll still come out ahead.
The people who will get burned are those who either just bought, or who cashed out all of their equity. A good friend of my wife are living examples of the kind of idiots who will get burned. They bought a house in a new development before any of the houses were built. The home was far beyond anything they could hope to afford, but by the time it was built it's value was up over $100,000. They cashed out that equity, dumped it into an interest bearing bond, and now use it to pay their mortgage. In their minds, they'll simply sell the house and move when that money runs out, and they'll have spent nearly five years in a gorgeous mini-mansion at no cost to them. They're assuming, of course, that they can get everything they owe out of it AND have enough additional appreciation to buy another house and do it all over again...an assumption that's looking extremely unlikly at this point.
That's assuming that interest rates will stay at the point where you can get a 5.5% ARM. That's also assuming that you can get an appraisal that covers the existing loan balance, and the closing costs to do the refinance. Nobody's going to come up with 3 to 4% of a $200K-plus loan out of their own pockets just to keep the balls juggling in the air for a few more years.
A couple of pretty big assumptions there.
q: How can you tell a realtor is lying?
a: Their lips are moving.
None of them will ever admit that prices are going down. For them its always, "Buy now! They aren't making anymore land!! Buy now or be priced out forever!!"
I have watched as condos in Seattle that were going for 280K at the begining of the year now being sold for 380K in October. I hope the whole house of cards comes crashing down on the speculators heads as soon as possible.
You'll be fine as long as you don't have to move, and can hold on to the income stream that makes the payments on that house. Should you find yourself in a position of having to sell, you'll be up against lenders trying to unload foreclosed homes with all kinds of sweet deals for buyers willing to take them off their hands. During the last housing decline of the early 80's, they were even paying moving costs for people who would take these white elephants off of their hands.
There's a heck of a lot more constructed housing stock out there than there was 25 years ago. Much of it is financed to the hilt.
"That's assuming that interest rates will stay at the point where you can get a 5.5% ARM."
Referring back to the article that is the subject of this thread, it wasn't my assumption that interest rates will settle in somewhere lower than 7%, but the authors. That's what the 5.5% was roughly based upon. If rates go higher than the author posits here, then ARM loans go with it, at a proportionally lower rate.
I so hope you are wrong. My husband and I are just about to buy, we live in Fresno.
Man, you sure do like posting "sky is falling" articles about real estate.
I can only surmise that you missed the great surge in appreciation these last few years and you're pissed.
bigsigh, broker
I see houses of cards ready to collapse. It will affect everyone, in some way or another.
I'm so glad I'm in my last house. It's all paid for, now, with the proceeds of the sale of a vastly overvalued home in California used to buy this one.
I'm here. I'm staying. I'm not going to sell. I suppose I'll die in this house.
I'm out of the housing market forever.
Time cures all real estate investment mistakes, Although as you noted you have to be able to hold on long enough to make it work
How dare capitalists make money!!
We should take their money and give it to those that need it!!.
You might want to change your name.
Steel is still a problem.
We should take their money and give it to those that need it!!.
I never said that. /smackdown time
"I see houses of cards ready to collapse."
There are vast swathes of the country that haven't seen anything near 10% appreciation. Most of these areas have fairly decent economic conditions, too, such as where I am, Greensboro, NC. We've been muddling along with 3% or so a year since the late 90s, with only a slight jump to a projected 7% for the year for 2005. There's no bubble to burst here, because appreciation has been below average for the duration of all this cheap money. We were doing fairly well during the mid-late 90s with rates around 8%, so I just don't see the end of the real estate world due to that. This is true for just about all of so-called "Red State" America, other than Florida, and some coastal areas fueled by cash out refi money flowing into beachfront vacation homes.
Hey! Stop that! I'm confused enough as it is. ;)
Oh no! People in Washington DC metro area will have to live with 5% appreciation on their $650,000 colonials instead of 20% appreciation on their $250,000 colonials!
"People in Washington DC metro area will have to live with 5% appreciation on their $650,000 colonials instead of 20% appreciation on their $250,000 colonials!"
Head for the hills!!! What's funny is, they actually are heading for the hills. Areas of MD and WV that would have been sneered at as redneck backwaters even five years ago are really taking off.
Is this the same dude who said we will see a slow down last quarter when there was actually a 12% increase in new home sales?
When you live in an area with fairly anemic real estate inflation, while the rest of the country is percolating along at double digit raises, then it speaks to the wages being paid in that economy. Rising interest rates will mean that these lower income people will be even LESS able to afford the prices you have already. I agree, the amplitude of the shock is greatest at the center, but the ripples spread out eventually.
Let's not forget the "paper wealth" factor. Whether we're talking about values of tech stock portfolios, or home values, when people perceive themselves as suffering a loss, they spend less on everything. That affects essentially every segment of the economy. I just hope we can snap out of it by late 2007, or be prepared for President Rodham.
Somehow I doubt that commuting from Hagerstown and Gettysburg to Washington DC will appeal to many future job holders....! Idiots maybe.
Colonials in the DC area (esp Loudoun county) have been dropping since June. That was the peak. That said, there could always be a double top but not until 2007 at the earliest.
"Well, then, why should someone move to Greensboro, NC, when a lender overburdened with foreclosed homes (in other areas) is letting people walk into them with zero down, no closing costs, and even moving expenses?"
Oh, I don't know, job growth maybe? There are other factors at work, as to why some areas have not skyrocketed. There is very little to prevent new residential construction here, with readily available tracts of land. This tends to limit appreciation of existing housing to the rate of inflation, with new construction pulling existing up as costs increase. New will always trump existing, with the exception of the very close in, older "charming" neighborhoods built in the teens, 20s, 30s and 40s. Or, at least that's true here, and in Dallas and Atlanta and Memphis and Indianapolis and, and and.
"Somehow I doubt that commuting from Hagerstown and Gettysburg to Washington DC will appeal to many future job holders....! Idiots maybe."
You'll be right if a physical commute is an ongoing, daily requirement. I can envision that not being the case for all, at least not every single day.
Ok, maybe your part of the country is immune to the coming economic effects of the housing bubble slow leak. It could be, if those jobs don't depend on newly-poorer-feeling-people having to buy a product or service produced there. Maybe those jobs are all in government?
Most speculators aren't true capitalists, they are quite often just gamblers. Especially the people who get in late, and are hoping for one more round of fools to bail them out.
Capitalists take chances, of course, but they do so with a business plan that doesn't end with, "sell out at a profit before the market tanks."
"Ok, maybe your part of the country is immune to the coming economic effects of the housing bubble slow leak."
Immune? Only if a generalized recession isn't brought on due to a drop in consumer spending elsewhere in the country, if refi money goes away.
Good post.
You want to buy now?!?!
Here's the problem. I live in Modesto, where the average household income is about $50,000 a year and the median home price is $400,000 or so. Any economist, heck, any high school kid, could tell you that this ratio is unsustainable. So why are housing prices to high? People from the Bay Area (where the median income is $80k-$100k) buy here because it's comparatively cheap and drive the housing prices up.
Here is why this affects you: People who work in Modesto can no longer afford to buy here, so they buy down the freeway in Merced and commute into Modesto every day. This drives the value of homes in Merced way up, since Modestans have much higher incomes than Merced(ites? ians? ers?). People from Merced and the surrounding areas are priced out of their own local markets as a result, so they look for somewhere else in commuting range. A LOT of the real estate sales further south in Central California are indirectly driven by people who are economically displaced thanks to market pressures originating in the Bay Area.
Now, with interest rates rising, the housing markets in Tracy, Patterson, Modesto, Stockton, and other outer rings of the "Extended Bay Area" become less attractive to home buyers. I'm constantly amazed that people will commute 4-5 hours a day to save $500-$800 a month on their mortgages, but they do just that. When rising interest rates narrow that gap to the $100-300 a month range, far fewer people will see it as worthwhile. When that market pressure evaporates, prices in this area will drop. They already are in high end homes where prices are already down 10% in many neighborhoods. We also have new developments that, for the first time in nearly a decade, have lots sitting unsold for weeks and MONTHS.
When the market in this part of the valley drops, less people will commute from the south, lowering market values there. This will set off a ripple effect that will lower values from Sacramento to Bakersfield.
If you must buy, just keep in mind that housing dips only affect those who plan on selling. Make sure that you plan on staying in whatever you buy for a decade or so, and you'll be fine. Market drops only hurt if you're refinancing or selling.
A key point. These 'creative' solutions, such as loans which initially have interest only payments, have yet to be tested by a tough market.
Anyone have a good, accurate read on NYC? I am prepping my condo in Chelsea for sale this month, and am concerned. Thanks.
NYC real estate has been going *down* in recent months from what I've read...
A key point. These 'creative' solutions, such as loans which initially have interest only payments, have yet to be tested by a tough market.
It will be interesting to see what happens when those paying their 4.50-5.00% 3/1 rates have their loans adjust to 6.50-7.00%. On a $200,000 IO loan, someone paying 4.50% at a payment of $750, the new rate will most likely be 6.50%, which will jack up the new payment to $1083, unless of course the borrower has used the extra money to pay principal down. On a $300,000 loan, the payment will increase $500 per month. And if they have to repay principal, the payment will increase $860 per month. It will get even uglier with the MTA loans (aka option ARM's), where there will be negative amortization. When the negative amortization reaches a certain point, the borrower has to repay the principal at the higher interest rate. This most likely will increase the amount of foreclosures which in turn will have to bring down home prices. The new payments will also have to have a dramatic affect on the economy as higher payments eat up any disposable income. I'm glad I'm renting right now.
New housing developments in Hagerstown, Harper's Ferry, and Gettysburg are still selling like hotcakes. These buyers aren't commuting into DC but into Rockville, Gaithersburg, and Germantown. It's still a mean commute but not impossible, as the real traffic headaches on 270 sometimes don't start until you get as far south as Gaithersburg exits.
I just hope the crash holds off until I can sell my Montgomery County house in the spring. Or if houses in my area decline in price, maybe prices in the area I'm moving to will decline as well, I hope.
Tell me about it.
In July I helped my son and his girlfriend buy a starter home in the San Jose/Cupertino area. A 40 year old 1850 sq ft 2 story which needs all the bathrooms kitchen and floors replaced. It was listed in the high $700's and my son felt "lucky" to get it for just under $850K. A property which wouldn't fetch $300K in the Toronto area. And he'll need to put at least another $100K into it to get it to todays specs....
I don't get it. He and his girlfriend make good salaries, but they could loose those at a moments notice..
The good news was that someone bought his girlfriends 2 bdrm condo (which was also in the area) for just under $500K (she'd paid LT $300 for it about 5 years ago), so at least they were able to put a few buck down on their house..
But still, it's getting a little wacky out there..
There is going to be a tidal wave of foreclosures in the metro Detroit area once the automobile and auto parts workers get their wages cut in half during the next 2 years. This will ripple throught the economy creating additional bankruptcies and forclosures in the service sector. You will be able to pick up homes in beautiful suburban areas for 50 cents on the dollar.
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Connect with GTU faculty, students, alumni, and administration--and greet our 2015 Alumna of the Year, Michelle Gonzalez Maldonado--at the GTU reception at the AAR & SBL Annual Meeting. Prospective students are encouraged to RSVP to Andrea Sheaffer, so we can welcome you.
These distinguished GTU alumni have been involved in activities around the world ranging from teaching and scholarship to social justice work or government policy. Wherever they are, they help nurture new leaders who cross religious and cultural divides to make our world a better place to live.
2015 – Michelle Gonzalez Maldonado, Ph.D. 20012014 – Suzanne Holland, Ph.D. 19972013 – Uriah Kim, Ph.D. 20042012 – Kristin Johnston Largen, Ph.D. 2002
Join us as we honor our 2014 Alumna of the Year, Dr. Suzanne Holland (PhD, '97). Harbor Terrace at the Grand Hyatt, 1 Market Place, San Diego. Please RSVP by November 14 to email@example.com, 510-649-2431. GTU alumni, faculty, students, and prospective students welcome.
Book Review—Saving Beauty: A Theological Aesthetics of Nature by Kathryn B. Alexander
by Nathan Michon
from Currents Fall 2014
GTU alumnus John Holt (M.A., 73) has been awarded a Fellowship by the prestigious John Simon Guggenheim Memorial Foundation. The Fellowship will support Holt's research on Buddhist/Muslim tensions in Sri Lanka and Burma.
This year's Guggenheim Fellowships, announced in April, were awarded to a diverse group of 178 scholars, artists, and scientists. Honorees were chosen from among nearly 3,000 applicants. Holt is one of only three 2014 Guggenheim Fellows whose projects are in the field of religion.
When Uriah Kim first visited the Graduate Theological Union as a prospective doctoral student in the spring of 1998, he sensed immediately that it was a special place, pulsing with the vitality of serious intellectual and spiritual discovery. "I remember meeting with GTU students and alumni on Holy Hill, and I could immediately sense the energy. The GTU is a place that stimulates your mind, your spirit—everything."
Graduate Student Colloquium in Scripture, Interpretation and Practice
University of Virginia
Plenary Speaker: Laurie Zoloth (Ph.D. '93), Northwestern University
Call for Papers
Jennifer L. Lord was inaugurated on November 21, 2013, as full professor in The Dorothy B. Vickery Chair of Homiletics and Liturgical Studies at Austin Presbyterian Theological Seminary.
As in past years, the GTU will be well represented at the Annual Meetings of the American Academy of Religion and the Society of Biblical Literature and not just in attendance.
At AAR, 19 faculty, 35 alumni, and 10 students will present, preside, and respond in 82 different sessions. At SBL, 5 faculty, 16 alumni, and 4 students will participate in 32 sessions. We could be a conference in ourselves.
If you haven't decided which sessions to attend, use our guides below which highlight the GTU's presence. We are grateful to Beth Anderson who compiled these lists.
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Dropkick Murphys; Billy Idol; Talib Kweli; Capital Cities; Amadou & Mariam
Dropkick Murphys
Celtic-punk-folk band Dropkick Murphys is nearly 20 years old and no fewer than nine studio albums into its career. But part of this band's show is that you need not keep up with all of the recorded output to have fun. You can expect a celebration and fit right in. And the capacity crowd Thursday at the Miller Lite Oasis did just that. »Read Full Article
'Malcolm and Teresa' has trouble finding heart of pair's connection
In early 1968, conservative British journalist Malcolm Muggeridge was asked to conduct a televised interview of an Albanian nun. He had never heard of her. The world did not yet know her. It soon would: Her name was Mother Teresa.
That's the setup in Cathal Gallagher's "Malcolm and Teresa," which is receiving its regional premiere at Christian-based Acacia Theatre Company in Mequon, in a production that opened Friday night under Elaine Rewolinski's direction. »Read Full Article
Neko Case's voice shines in an elegant, melancholy set
The human voice can be the most singularly beautiful musical instrument there is, but it's not hard to think of well-compensated pop singers who treat their instruments, or allow them to be treated, as if they were beside the point.
Neko Case is not among them. »Read Full Article(1)


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Amy Guth hosts talk radio on WGN Radio, the "#SheRules" series on WCIU-TV, "The Feed" technology report on Rivet Radio, is president of Association for Women Journalists Chicago, and serves as a mentor-editor and senior facilitator at The Op-Ed Project's Public Voices Fellowship. Guth is on the Inland Press Association's digital advisory panel, and is an adjunct faculty member at the University of Chicago. She is also currently producing and directing a documentary series about women and online harassment, and is the author of the 2006 novel "Three Fallen Women."
In 2013, Guth was named Chicago's funniest Media Personality by Laugh Factory Chicago. Guth has contributed work to WGN-TV, CLTV, WBEZ, WCIU-TV, Chicago Tribune, Baltimore Sun, Orlando Sentinel, Hartford Courant, Sun-Sentinel, Rivet Radio, The Nosher, Monkeybicycle, Bookslut, Jewcy, Medium, and The Believer, among others.
Previously, Guth was general manager/publisher and oversaw operations of RedEye and Metromix at Tribune Publishing Company, managed social media and search engine optimization at Chicago Tribune, where she co-wrote a social media column and co-hosted the "30 Second Social" instructional series. During this time, she also served as a founding advisory panel member of Social Media Week Chicago.
Also prior to her current roles, she served as digital editor for Chicago Tribune's books section, Printers Row, where she covered the then-rise of digital publishing and literature. In 2007, she founded and served as executive director of Pilcrow, a small press literary festival.
Guth has spoken at colleges, universities, literary festivals and technology conferences about book promotion, writing, editing, social media and SEO, and has taught in the Chicago Tribune and other US newsrooms about digital media for journalists. She also co-hosted the long-running Chicago reading series, RUI: Reading Under The Influence, for four years.
Her work is included in the anthologies "What Happened to us These Last Couple of Years?" and "6S, Vol. 2." Guth's fiction was was named among StorySouth's notable stories and was a Million Writers Award nominee, and she was named in the Chicago Newcity Lit Top 50 list.
She founded the literary blog, Chicago Subtext, for the Tribune's Chicago Now blog network, where she also served as founding Life and Style community manager. Before all that, Guth served as managing editor for the (now-defunct) journal, The Complete Meal and co-wrote several sketch productions at Second City's training center and other improv venues, including "Uterine Wailing Wall" as well as "Anton Chekhov's Bastard Child" which was performed in Chicago from 2002-4.
Before all that, she held just about every job possible in restaurants, including sass-mouth bartender, chef garde-manger, caterer and executive pastry chef.
Find her on Twitter as @amyguth at Facebook.com/amyguth.


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Give Now
Pete Dye has designed more than 150 courses around the globe, but his latest course to open in Westfield is close to home.
The new owners of Bloomington's Eagle Pointe Golf Resort plan to invest in various improvements including annual maintenance for the 18 hole course.
Though the Pete Dye Golf Course in French Lick last hosted a PGA event in 2010, organizers say this venue is different from the others.
About 40,000 visitors are expected in French Lick this week to watch the 2015 Senior PGA Championship.
Beer will be sold for between $2.00 to $2.50 a can and projected revenues for the course will be between $18,000 to $36,000 a year.
The Indiana Supreme Court came to Bloomington to hear a four-year old case which seeks to determine who's at fault when a teenager is hurt on a golf course.
A major golf tournament comes to the area, and it means major dollars for parts of Southern Indiana.


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You are here: International Trade Fair Wines and Spirits. Exhibitors & Products.
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SAS Vignobles André Lurton
Chateau Bonnet
33420 Grezillac, France
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Thanks to expressive fruit – but without excessive concentration – Château Bonnet's red wine is unquestionably charming. In fact, it is a benchmark in Bordeaux.The wine is best enjoyed on the young side, although the quality tannin ensures good ageing for several year.
Appellation : Bordeaux
Chateau : Château Bonnet
Wine style
Tender and Aromatic
Grape blend
Merlot 50 % / Cabernet Sauvignon 50%.
Spring was very trying, with considerable rainfall leading to fungal diseases of all sorts. This called for very close attention in the vines until the 14th of July, when the weather changed durably for the better.
Tasting Comment
Intense ruby-red colour with purple highlights indicating its youthfulness.
The nose is beautifully concentrated and reminiscent of mixed ripe red fruits. Notes of blackcurrant and cherry are followed by spicy nuances.
The wine is round on the palate as well as quite tannic, which accounts for its attractive structure. Fresh fruit flavours, such as Morello cherry, combine with more ripe strawberry nuances. This wine is clearly pleasurable and ideal with roast beef or double cheese cannelloni in a mushroom and tomato sauce.
Consumption period
2015 - 2020
Link to further Information
Tis wine of André Lurton at an affordable price, is an example of "everyday wine": succulent aromas of pear and tropical fruit, nervous and expressive on the palate, clean finish and well-defined . Intelligent, vibrant easy to drink yet.
Appellation : Entre-deux-Mers
Chateau : Château Bonnet
Wine style
Elegant and Fruity
Grape blend
Sauvignon 52% / Sémillon 33% / Muscadelle 15%
Winter and spring were very mild, but the summer of 2014 did not live up to our expectations: it rained heavily in July, and August was much cooler than usual. However, starting in September, a miraculous Indian summer with high temperatures, was very favourable to ripening.
Tasting Comment
In 2014, Château Bonnet produced a wine in keeping with its legendary reputation. This archetypal Entre-Deux-Mers has brilliant yellow-green highlights.
It is a pleasant mixture of citrus and broom-flower aromas, with rich, ripe-grape overtones.
Its softness on the palate is underpinned by a delightful freshness. The overall impression of balance follows through in a long aftertaste redolent of grapefruit and white blossoms. It is ready to be enjoyed now, by itself or as an accompaniment to seafood.
Consumption period
2015 - 2016
Link to further Information
Divinus is Château Bonnet's prestige cuvée. Our winemaking team has taken the greatest of care every step of the way to produce a wine on a par with the great growths. Made from perfectly ripe grapes, this cuvée displays softer fruit, more body and more pronounced oak when young than the Château Bonnet Réserve.
Appellation : Bordeaux
Chateau : Château Bonnet
Wine style
Rich and Powerful
Grape blend
Merlot 80% / Cabernet Sauvignon 20%.
Winter was harsh (many days with frost) and spring rather chilly. There was a great deal of sunshine in 2010 and a long period of drought from 21 June to late September, which was favourable for ripening.
Tasting Comment
This 2010 Divinus has a remarkably intense colour with beautiful garnet-red highlights.
Château Bonnet's premium cuvée has a wide range of powerful aromas: cooked red fruit, chocolate, and vanilla.
The wine starts off quite smooth and soft on the palate. The rich, generous, and velvety tannin is accompanied by flavours of prune, blackberry, and blackcurrant. The finish is long and well-balanced, providing an excellent match with veal, duck, and cheese.
Consumption period
2015 - 2021
Link to further Information


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Behind Every Great Product
Article: Behind Every Great Product
The Product Designer Role
The Product Designer Role
Vision vs. Strategy
Technology-Powered Disruption
Most people by now have read Marc Andreessen's Why Software Is Eating The World. This was written back in 2011, and I've been watching his predictions play out in companies all around the world. While my focus is primarily on technology-powered software products, services and devices, I'm also very interested to find other industries where the techniques of modern product are used to disrupt their spaces.
Tribute to Bruce Williams
This has been a tough year for the technology industry. In March we lost Andy Grove, and in April we lost Bill Campbell. Sadly, in May we lost Bruce Williams. Bruce had been fighting Pancreatic Cancer for the past year and a half. He had been in an experimental program at UCSF, which extended his life at least a year.
Developer Powered Innovation
There is a very common fallacy about developers in our industry, and I think it hurts countless companies.
Product Success
Exactly a year ago I was invited to give a keynote at the Craft Conference in Budapest and I discussed the 10 biggest reasons why product teams fail. You can watch that talk here, or read the narrative article here.
Women in Product
Note 1: I'm focusing in this article on women, however, my points here are intended to apply to all under-represented groups.
Discovery Coaches
In my last article on Discovery Sprints I mentioned the concept of Discovery Coaches and several people asked me about that, so I thought I'd describe more about what this role is and when it's helpful.
Discovery Sprints
I find that many teams, especially those new to modern product techniques, are looking for a structured introduction to modern product discovery. In this article, I'd like to describe the concept of a discovery sprint, and also introduce you to a new book that goes into depth on this technique.


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On Tap Today: Happy Thanksgiving...now hear some Christmas music
If you love eating to the point of exhaustion (and really, who among us doesn't), Thanksgiving is truly the most wonderful time of year. But it doesn't really lend itself to good music now does it, whereas Christmas has oh so many holiday chestnuts just begging to be listened to again and again.
So our radio stations are already playing holiday songs. And Christmas shows, like Brian Setzer Orchestra's "Christmas Rocks! Extravaganza," are already coming to town. »Read Full Blog Post(6)
Matchbox Twenty keeps the customer satisfied
Rob Thomas made a promise early in Matchbox Twenty's Milwaukee set Saturday, to give the audience "the best tonight you could possibly have."
But for a significant portion of the two-hour set at the Riverside Theater, Thomas, his three Matchbox bandmates and two touring musicians didn't appear to live in the moment as much as in the past, specifically back in the late '90s and early aughts when the band's barely impactful but catchy pop rock were a resounding soundtrack of the era. »Read Full Article(7)
Lottery winnings bring little joy to play's characters - or its audience
For all its obvious faults, goulash communism - featuring modest economic reforms and more liberal social policies - seemingly positioned Hungary for a more successful and humane transition from Stalinism.
Guess again. »Read Full Article
MSO, Solzhenitsyn present stirring sounds of Russia
Russian classical music sounds Russian.
Writers write about it, scholars think about it, but no one has really managed to explain why the music written over the 200-or-so year history of Russian classical music sounds so absolutely Russian. »Read Full Article
Tift Merritt blends best of country styles in Shank Hall show
The direct distance from Milwaukee to Nashville is about 480 miles. The distance from Milwaukee to Bakersfield is about 1,735 miles.
Friday night at Shank Hall, Tift Merritt brought all three cities a little closer together. »Read Full Article


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MPA Tourney Week Broadcast Deals Set
The Maine Principals' Association has signed agreements with MPBN and Northeast Sports Network to continue TV and webcasting coverage of high school basketball tournament games.
The Maine Principals' Association has signed agreements with MPBN and Northeast Sports Network to continue TV and webcasting coverage of high school basketball tournament games.
When the high school basketball Class B state championship games roll around next March, the MPA is not going to have the Cross Insurance Arena in Portland as the host site because of the America East women's basketball tourney.
Bangor High School senior forward Justin Smith will play his college hoops at Husson University next fall. He joins Ellsworth's Bruce St. Peter and Hampden's Jake Black as local student-athletes who will play for coach Warren Caruso.
Medomak's Nick DePatsy, Hampden's Connor Moore and Brendan McIntyre are among the list of five basketball recruits from Maine heading to Maine Maritime Academy for next season.
2016 Mr. Maine Basketball Award winner NIck Gilpin headlines the 61st BDN boys All-Maine team. Brewer's Matt Pushard was selected as a second teamer.
Longtime teacher and coach Clayton Blood has announced he is retiring as coach of the Brewer Witches and retiring from his teaching job at the end of the school year.
Lawrence HS senior Nia Irving and Houlton sophomore Kolleen Bouchard are the North Region players selected for the 40th BDN All-Maine girls basketball team.
Oxford Hills HS senior Andrew Fleming has been named Maine's 2016 Gatorade Player of the Year. Fleming averaged almost 28 points and over 14 rebounds a game for the Vikings.
Mainer Isaiah Bess and his Stonehill Skyhawks are heading to the Division II Elite Eight after beating St. Anselm's 82-76 in overtime to capture the regional championship in Philadelphia.
Former Penquis HS and Hampden Academy standout Isaiah Bess is part of the Division-II Stonehill College basketball team that will play in a NCAA regional championship game Tuesday night in Philadelphia.


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I have emphasized for years that the presence of gallstones can be diagnosed by the form of crystallization after gallbladder bile is dried.13-16 However, it became clear through later investigations4,5,11,12,17 that this crystallization is closely related to the degree of inflammation of the gallbladder.
This report will present the details of the test and its clinical application, and some experimental studies of the test will be discussed.
It is very difficult to prove the presence of calculi in some cases of diseases of the biliary tract, especially in the case of a syndrome called cholecystopathy or choledochopathy. The customary means used at the present time to diagnose the presence of gallstones can be summarized as the following four: (1) history of present illness; (2) direct visualization by x-ray examination; (3) gall sand, gall mud, or cholesterol crystals obtained by duodenal drainage; (4) jaundice present or in the history.
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text: iPad 4th Generation w/ 9.7" Retina Display $60 off - for Reward Zone Members Flag this deal What's the matter? Choose a reason Dead deal Duplicate Bad link Spam Inaccurate No value Alive again Edit deal rajeevkandakur Nov 19, 2012 I am not seeing in on Best Buy site. Where i can find it? Reply Load More Comments


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New subscription
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Chloe (Please Read Pet Motto)
Active within 1684 Days
Hi! My name is Chloe (Please Read Pet Motto)
I am Domestic Mediumhair from Johnville, AR
Nicknames: Miss Priss, BooBoo, Girl, Tootie....
Age: 4 years old
Gender: F
Coat: short haired
Education: No but she makes me laugh and smile!!!
My favorite tricks and treats are: She sometimes stands on her hind legs :) and as far as treats, she likes Temptations!!!
Where I hang out: She enjoys her black and her pink chair!!!
My favorite grubs: Temptations Chicken Flavor (Also Salmon flavor)
My pet peeves: Being ignored, loud noises and sudden movements.
What I love about my owners: They took me in when I had no place to go and loved me ever since!!
My cat hobbies: She loves to play, cuddle and give kisses.
Pet motto: ~I didn't find my cat. My cat found me! Would anybody be interested in a photo gallery where I could give your cat profile a frame (like mine). Please comment yes or no on my blog !! :)
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I lost my cat Junior in the summer:( One day, in October, Chloe appeared on my porch. We took her in, fed her. We made sure that she wasn't anybody's cat and that she was healthy...now she is ours :)
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LOGAN, N.M. - Loyal Hope Garrett, 89, died Friday, May 4, 2007.
Services will be at 10:30 a.m. Wednesday in Dunn Funeral Home Memorial Chapel. Burial will be in the family plot of the Tucumcari Memorial Park Cemetery.
Hope Garrett was born March 13, 1920, in Loyal, Okla. She owned and operated the Garrett Trading Post in Logan.
Survivors include numerous nieces and nephews.
Amarillo Globe-News, May 7, 2007
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Top Definition
keep swinging baby
Ku ku kachuu
door The Liz 15 mei 2004
Trending Now
Can you define these popular missing words?
The nickname of my plump friend. It really has no meaning at all. Kukukachu aka Tweakachu
"Hey kukukachu whats up"
"hey Tweakachu whats up"
"hey Tweakachu whats up"
door silkysmooth 5 maart 2004


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created by
Justin and Britta Burrus
Husband and Wife, Justin and Britta Burrus, started their company in April 2010. Justin had a construction business along with creating handcrafted gifts, furniture, and signs which Britta would paint and distress, for friends and family. They have added several hand built and quality goods for the home to their line and keep dreaming up other goods to add to the selection. They have similar taste and style when it comes to home decor and enjoy brainstorming new additions.


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22 years of experience
Accepting new patients
Video profile
5 E 98th St
New York, NY 10029 Phone number & directions
Patient Reviews
Patient Reviews ? Write a Review
Overall Rating:
Total Ratings
Total Reviews
dr Waldorf was thorough professional and competent
Excellent doctor Very happy with results Personality amazing and very nice doctor
Extremely knowledgeable and experienced. Dr. Waldorf is on the cutting edge of cosmetic dermatology and I trust her recommendations completely.
You can't put a price on your medical care at least I canât. Finding a doctor that I trust and feel safe with is my peace of mind. I love Dr Heidi Waldorf because sheâs all that to me and more. Sheâs truly brilliant and sheâs always interested in my total well being. Thatâs a lot to get these days. Dr Waldorf has been my dermatologist for over 3 ½ years. Sheâs so knowledgeable and discusses and explains everything openly and honestly--I always have options. She really takes her time with me ( I ask a million questions.) I feel safe with my treatment experience as I know Iâm in her skilled and magical hands that work wonders. Sheâs an artist. I feel rejuvenated when I leave her office. âI look like myself (or as someone said, âLike my younger sisterâ) but nothing more dramatic than that. Thank goodness. I deplore problems and there's never one. Dr Waldorf gives me clear instructions about what to do ahead of time and she always follows up afterwards to make sure Iâm âok.â Itâs like I have a direct line to well care management.
I went to Dr H Waldor for filler for laugh lines and some fine lines around my lip, also a slight lip enhancement. She was very crude, fast and abrupt if questions were asked. She left the room and came back to say that I should do dysport in the forehead b ecause she likes to treat the "whole" face. She Was. Very pushy. Said that she used it(since it was new) and basically pushed it on me even though I wasn't prepared to pay an extra few hundred dollars. She massaged my face so hard putting her hands in my mouth.. It hurt. The next day I was SO swollen! My entire face!. Then a week later it looked like nothing so I went back cuz I wasn't happy. She was lecturing me in a VERY condescending way saying "what did I think, i was going to look like Anjelina Jolie"? The worst experience. I was crying. Also had a suspicious mole she was supposed to do surgery on. And at the last minute said she cudnt do it,and I had to scurry around looking for a surgeon. YOU CAN DO BETTER. GO ELSEWHERE!
Excellent. The smartest and most talented demotologist you will ever meet!!!
Dr Waldorf is one of the most caring doctors and people I have met. There was a wait to see her but once you are in her office she doesn't rush you. I have seen lots of dermatologists - most barely looked and me and didn't explain anything. They made me feel vain and stupid. Instead, Dr Waldorf did a thorough exam, explained things, answered questions and then her nurses went over everything with me again. And no one rushed me to decide about procedures.
Heidi Waldorf is a very sick human being, she is abrupt, rude, uncaring. Why is she a doctor? I walked in with a legitimate problem, and she couldn't have been worse. She blamed me for my condition and when I calmly said, "alright", knowing myself that it was best to just leave her office and seek another dermatologist, she wouldn't allow me to leave! She stopped me and started shouting at me, looking for a fight, for what? She's irrational and scary.
Bedside manner was horrible. Didn't introduce herself when she came into the room, very little eye contact, and turfed off all my questions to the nurse. I felt like I was a "number"...not a patient. I left feeling terrible. I will never go back.
I was really nervous about getting anything cosmetic --- what if I looked too 'done' and everyone could tell or if it looked really unnatural? But Dr Heidi (that's what everyone calls her -- she is very low-key and accessible) put me at ease. She and her nurses spent the time explaining the procedures and when, where and why she'd inject different fillers and botox. I did bruise a little as she warned, but when that cleared, I LOVED IT! No one knows what I have done but I keep getting compliments. Even my husband likes it and he was very against my having any 'work done'. THANK YOU DR HEIDI!!! I will be your patient forever!
Dr. Waldorf is a wonderful dermatologist. I appreciated how she took the time and explained which fillers would work best for me and I am very happy with the result. I also love the friendliness of the staff and how they encourage you to call before your appointment to see how the doctor is running so that you don't have to wait long. Great policy since we all have very busy lives!
Dr Waldorf was wonderful. She identified the cause of my problem, offered different options to treat, took the time to explain them and did the procedure quickly and painlessly.
Seeing this doctor was one of the worst experiences of my life. She is crude, loud, obnoxious, and knows very little about dermatology. Crude, uncaring, very bad doctor.
The $300 fee I paid for my visit bought Dr. Heidi Waldorf MD this review. Dr. Waldorf presented herself as an unhinged, deeply unpleasant, incredibly unprofessional physician. She was immediately rude in an uncalled for way, she was crass and loud in her own office, and she offered no help whatsoever. Dr. Waldorf isn't professional in her manner or approach and she's completely unprofessional and lacking in knowledge in her medical care. I would gladly pay $300 to never have to see her again and that's exactly what happened. This is a terrible doctor.
I have never felt so taken care of than I did by Dr Heidi Waldorf and her staff! I went for a cosmetic consultation and she explained everything from antiaging creams to procedures in a way I could understand. It was the most thorough consult I have ever had. Her nurse reviewed everything with me again before my treatment. My botox and fillers look SO natural! I wont go to anyone else!!!
Dr Waldorf is a fantastic dermatologist who has given me absolutely gorgeous skin again after having an awful bout of adult acne...never thought I'd see my skin clear again! WOW! I rarely get a pimple anymore...she is also fantastic with fillers...Her practice isn't covered by my insurance but she is well worth the extra cost....and time in the waiting room...be prepared for the wait and bring a good book or your blackberry... :0)
Been to Dr. Waldorf twice, once in NY and once in her NJ office. NY nurse/assistants are incredibly rude, hustled me out of the exam room, made me feel like an idiot for asking questions about the list of 6(!) prescriptions and products the doctor had recommended for blemished skin. Got the same shopping list/lecture about products in NJ. Waldorf can barely hide her impatience during a visit and doesn't leave you room for any feedback. You can find equally pedigreed and competent derms who still have some humanity left, and you should.
the most uncaring, unpleasant and unconnected doctor i've been to. couldn't care less about my situation...sent me out to an oncologist who couldn't figure out why i had come...never heard from her again...i could go on....and she was recommended to me by the chairman of the mt.sinai dermatology department..a frightening situation instead of a cosmetic one.
I have never experienced such a rude physician such as Dr. Heidi Waldorf.


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Please note: Linux Student Lottery Simulator has absolutely no affiliation with the National Lottery. This software generates random numbers (much like the lottery) and produces statistics based on those numbers.
Have you ever wondered what would happen if you could "fast forward" time and find out how long it would take you to win the lottery? With Linux Student's (LS) Lottery Simulator you can play lottery draws as fast as your computer allows. Our program will tell you how long your numbers (or a lucky dip) take to win the jackpot! Read more


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Explore, Enjoy and Protect the Planet
Take Action: Don't Let Mining Corporations Take Your Public Lands
Take Action: Keep Up the Drumbeat on Energy Efficiency
We've told you before, and it's important enough to tell you again: The Senate will vote soon on a commonsense, bipartisan bill to spur innovation in energy efficiency technologies for the residential, commercial, and industrial sectors. Unfortunately, big polluters and their friends want to use the bill to undermine the president's climate action plan, protections against climate-disrupting carbon pollution, and much more.
These rollbacks don't belong in an energy efficiency bill. Tell your senators to keep it clean!
Grassroots Activism: Inner City Outings Joy
Desiree Farve has been a Sierra Club Inner City Outings leader in Baltimore for five years and loves getting kids outdoors. "The most rewarding thing is seeing the kids be kids at heart," she says.
Learn more about Desiree and ICO in this blog post.
Grassroots Activism: Coal Export Hearings Begin in Pacific Northwest
This week marks the beginning of another round of public hearings on proposed coal export terminals in Washington State.
Learn more in Sarah Hodgdon's column about the tens of thousands of people who are speaking out against these proposals. Then attend a hearing or submit a comment yourself!


text: Members of Southend and District Reform Synagogue have responded to publicity in the local press highlighting a funding shortage at Westcliff's Fair Havens Hospice. To raise funds, a supper quiz, which attracted more than 90 people, raised £900 for Fair Havens. Organisers included Sue Levitas, Denise and Ken Phillips and quizmaster Sybil Greenstein.


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News By Tag
Industry News
News By Place
Industry News
Baltimore Dentist Assistants Recognition Week in March
Coming this March Baltimore Assistants Recognition is being celebrated in full boom at Horizon Family Dental Care the top rated Baltimore Dentistry.
This year is a huge year for the Horizon Family Dental Care Baltimore Dentist Office (http://horizonfamilydentist.com/)
Dental assistants are a key part of the dental practice year-round, but they get a special week dedicated to them each year for all the great work they do.
Dental Assistants Recognition Week is scheduled for March 2-8 and dentists in the United States and Canada will celebrate by honoring their dental assistants for the variety of duties they perform and helping them provide patients with quality dental care. This year's theme, "Dental Assisting: Embracing the Changes of the Profession,"
"The role of the dental assistant has evolved over the years, contributing to quality dental care," said Lori Paschal, president of the American Dental Assistants Association. "Whether working chairside, managing various aspects of the dental office or the laboratory, working in dental sales or educating future dental assistants, today's dental assistants are role models of a professional and progressive force in the field of dentistry."
The American Dental Association, American Dental Assistants Association, Canadian Dental Assistants Association and Canadian Dental Association jointly recognize the observance. Dental assistant associations, dental assisting schools, and U.S. Army and Air Force dental clinics join dental offices in honoring dental assistants during this designated week.
Each year, the ADAA urges dental assistants to recap their activities and successes throughout the week and submit them for possible publication in The Dental Assistant, the ADAA journal.
Dental team members can download a kit at http://dentalassistant.org/
Visit us at http://HorizonFamilyDentist.com or Call 410-332-9998 today for more information on our services and monthly specials.
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American Wasteland
Jonathan Bloom, Author, American WastelandMichael Dimock, President, Roots of ChangeA.G. Kawamura, Former Secretary, California Department of Food and Agriculture
Americans generate enough food waste to fill the Rose Bowl each day. How sustainable can that be? What is the economic and environmental cost of such a system? How will climate change affect our year-round cornucopia of food? Read more »
Generation Hot
Mark Hertsgaard, Author, Generation HotScott Harmon, Sustainability Advisor to Boy Scouts of AmericaAlec Loorz, Founder, Kids-vs-Global-Warming.com
What are kids doing about their future in a world with a swelling population, receding glaciers and weird weather? There's a move afoot to activate 100 million boy and girl scouts to develop skills for more sustainable living. Read more »
Andre Dubus in Conversation with Tobias Wolff
Andre Dubus, Author, House of Sand and Fog and Townie
After their parents divorced in the 1970s, Andre Dubus III and his three siblings grew up with their exhausted working mother in a depressed Massachusetts mill town saturated with drugs and crime. The acclaimed novelist reflects on his violent past and a lifestyle that threatened to destroy him, until he was saved by writing.
Location: SF Club OfficeTime: 5:30 p.m. Read more »
Bart Ehrman
Ph.D., Author, Forged and Jesus, Interrupted
Alan Jones, Dean Emeritus, Grace Cathedral - Moderator
Ehrman takes you on a journey to the ancient world and the forgery battles that have raged through the centuries. Ehrman contends that the New Testament is riddled with contradictions about the life of Jesus and his significance. Read more »
Stress: The New Biological Clock – How We Can Turn It Back
This program is sold out
Elissa Epel, Ph.D., Health Psychologist, UCSFCalvin Harley, Ph.D., pioneer in telomere biologyJue Lin, Ph.D., Telomere/telomerase assay specialist in Elizabeth Blackburn's lab, UCSFThea Singer, Author, Stress Less
Groundbreaking science by Nobel Prize Winner Elizabeth Blackburn and health psychologist Elissa Epel links psychological stress Read more »
The health care that Americans receive is a source of pride and worry. Pride, because of the world-class level of care available in the country. Worry, because nearly 50 million people remain uninsured, and millions more have insufficient coverage. How can the country continue to deliver high-quality care, expand the percentage of its people who are covered by insurance, and push the boundaries of medical knowledge? Read more »


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Norman Solomon: Only government has the capacity to provide economic remedies for social distress of this magnitude. But government is failing.
Another Republican Hoax: Corporate Tax Cuts Stimulate Employment
Sy Slavin: This Canadian study shows that as far as creating new jobs and generally decreasing unemployment, the way to go is increasing governmental infrastructure expenditures.
The Rich Are Destroying the Economy
Shamus Cooke: Because both parties simply threw money at the banks and hedge funds instead of punishing them, a condition of "moral hazard" was created, meaning, that banks would assume another bailout would come their way if they destroyed the economy again — too big too fail, remember?
Washington's Endless Wars
William Astore: Our wars and their impact are kept in remarkable isolation from what passes for public affairs in this country, leaving most Americans with little knowledge and even less say about whether they should be, and how they are, waged.
The Republican Strategy
Robert Reich: The Republican strategy is to split the vast middle and working class – pitting unionized workers against non-unionized, public-sector workers against non-public, older workers within sight of Medicare and Social Security against younger workers who don't believe these programs will be there for them, and the poor against the working middle class.
Why We Should Beware Budget-Deficit Mania
Robert Reich: The first draft of the President's deficit commission, written by its co-chairmen Erskine Bowles and Alan Simpson, is a pastiche of ideas – some good, some dumb, some intriguing, some wacky. The only unifying principle behind their effort seems to be to throw enough at the wall that something's bound to stick.
Alan Greenspan, Robert Rubin, and Herbert Hoover
Robert Reich: Both Greenspan and Rubin are deficit hawks. So was Herbert Hoover and so was Hoover's Treasury Secretary Andrew Mellon. And look what Hoover and Mellon got us into. When we least need him, Hoover is being exhumed.
Obama's Summer of Discontent
John Peeler: Overall, Obama has been successful as the leader of Washington. Where he is failing is as the leader of the country. That's a surprise, given his short political career, and his very impressive rhetorical skills.
Budget Cowardice Compounds Problem
Steve Hochstadt: When conservative Republicans controlled Washington under George Bush, they spent government money on their pet projects with little regard for the long-term budgetary consequences. Now Republicans at the national level have made the deficit one of their major points of attack against the Democrats in preparation for the November elections.
Obama Must Take Charge
Robert Reich: Obama has no ass to kick until he's in charge. Obama should take over BP's rescue operation. That's the only way the public can be sure all necessary resources are being put to the job, that public risks are being properly weighed, and it's getting the truth.
What Scott Brown's Victory Really Means
Robert Reich: Here's what's really going on. In Massachusetts, in New Jersey, all over the nation, voters are petrified of losing their jobs, their homes, and what's left of their savings. Nothing counts more than the economy. Rightly or wrongly, presidents and the party in power are blamed when the economy is lousy.
Two Ways to Pay as You Go
We need to move at least a fraction of the wasteful money in the bloated pigged-out Pentagon to programs that serve useful purposes. This is a progressive and a majority position.
Media Cries "Deficit" to Defeat Progressive Agenda
Despite all of the economic history of the past 30 years, the traditional media is brushing off its favorite bogeyman – the budget deficit – to defeat and/or scale back President Obama's progressive budget, education, and health care agenda. The New York Times warned in a front page story on March 21 that a new […]


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'Lone Ranger' returns, surprisingly, to thrilling entertainment like yesteryear
How subversive of Disney to release during the Fourth of July holiday a comedy action film that is in part about the American Indian genocide.
Those who go to "The Lone Ranger" because it stars Johnny Depp will come away satisfied by a performance that reminds them of his "Pirates of the Caribbean" character. And the film contains elements — silver bullet and "William Tell Overture" included — familiar from the TV series and, before that, radio show. »Read Full Article
Milwaukee musician Sam McCue remembers days playing with Phil Everly
Phil Everly didn't just sing "All I Have to Do Is Dream."
He helped Sam McCue live his. »Read Full Article(6)
New York City music exec tells of longtime love of Packers
His professional routine involves bringing hip-hop to the masses, but his Sunday routine revolves around the Packers.
Lyor Cohen, the former head of Def Jam records, was profiled by the New York Times in this week's "Sunday Routine" column, which notes that Cohen is a "passionate fan of the Green Bay Packers" and "everything gets thrown off" when the team is playing. »Read Full Blog Post


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Solutions for Chapter V
The first question requires us to present the challenges: first, the widening power disparity among purportedly autonomous states and their ability to implement policies into the economy and society; second, the weakness of states of all levels that has been exacerbated by financial changes and technology that have moved to incorporate all the states' economies into one global market economy; third, the void in global and domestic governance left when individual states are forced to give up autonomy within certain areas of governance in their attempt to build partnerships to the global platform. Each of these aspects has worked in deteriorating the power of the state as a sole entity. In order to for states to participate in the global economy, each must yield to international frameworks and trends in order to attempt to successfully benefit from the free market.
Globalization thrives on interdependence, even though there is inequality in the contribution and executive power of each state. Various aspects of globalization, such as technology and financial change (yielding to free market model) can help states' improve the capacity to manage their societies by providing increased opportunities for infrastructural and social developments, via growth (GDP) created by global trade. Ideally, individual states can grow their economies from free market trade and invest in the domestic economies of their respective nations.


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First Minister's Questions – 29th September 2016
On the steps of Bute House the day after May's election, Nicola Sturgeon said 'we will always respect the people – now and in the future. We simply ask that other parties do likewise'. The Scottish Parliament, the representatives of the people of Scotland, has...read more
My Speech to UK Labour Conference
Thank you. Conference, it's great to be here in Liverpool. In a city with Labour MPs, a Labour Council and a Labour Mayor. I'm hoping next year we can celebrate when this city elects Steve Rotheram as Labour's first metro mayor for Liverpool. Conference, we meet here...read more
Daily Record Column – 26th September 2016
I am proud to call myself a feminist. As the most senior elected woman in the UK Labour Party, I feel a responsibility to help deliver real change for women. Just having a female First Minister and two opposition leaders in the Scottish Parliament is not enough to...read more
Speech to Labour Women's Conference
Below you will find my speech to the Labour Women's Conference on Saturday 24th September 2016 in Liverpool. Sisters, every time I am at this conference, when I listen to the experience, the talent and the passion of fellow Labour women, I am reminded of why I...read more
Twende Pamoja Peace Walk
At Lauriston Hall yesterday morning, I was excited to be part of a panel of guests who joined representatives of P5-7 and S5-6, from just under 20 different Edinburgh schools. All paired with schools in Tanzania, the gathering of young people was the beginning of an...read more
Daily Record Column – 19th September 2016
Three months ago, I joined the First Minister and hundreds of people to pay tribute to Jo Cox at an emotional vigil. One day earlier, the 41-year-old Labour MP had been killed in the street outside her constituency surgery in Birstall, near Leeds. At the heartbreaking...read more
Article for the Sunday Times – 18th September 2016
This weekend marks the second anniversary of the SNP's referendum on Scottish independence that divided our nation. Two years on, the divisions caused by that historic contest have not healed. On social media and in the real word, the scars that are Alex Salmond's...read more
Domestic Abuse Law Debate
Since the Scottish Parliament opened, for some reason it's become rather rare to see the leaders of Scotland's political parties take part in parliamentary debates unless they are responding to the First Minister. I'm not sure why it's like that, but in my five...read more
First Minister's Questions – Thursday 15th September
At First Minister's Questions I highlighted the case of Anne Maclean-Chang, a mother of two and nurse who has breast cancer. Mrs Maclean-Chang has had to crowd fund to raise money to pay for her £90,000 cancer treatment after her local health board initially refused...read more
Edinburgh Evening News Column – Tuesday 13th September
Kezia Dugdale Edinburgh Evening News Column for Tuesday 13th September 2016 With some lovely summer weather, Portobello Beach could have been confused for Bondi beach in recent weeks (okay, maybe I'm stretching a little) but with most of the sand covered with families...read more
Daily Record Column – 12th September 2016
Writing in the Daily Record this week Kez calls for more to be done to protect vital NHS services across the country. The NHS, created by Labour, is the most precious institution we have in this country. When most people think of our health service they think of...read more
Portobello Beach Wheelchairs Survey
Portobello Beach...read more


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Election campaign September 2
ABC News Online coverage of the federal election campaign.
Coming up in a few minutes will be 7.30, with host Leigh Sales interviewing Tony Abbott. You can watch it on ABC News 24.
Tony Abbott:"I think people have had three years to look at me, they've had plenty of time to look at Mr Rudd, and I'm very happy to submit myself to the judgment of the people on the question of trust."I'm proud that no opposition in our history has been as responsible and as scrupulous in its costings as we have been. Some 200 draft policies have gone to the Parliamentary Budget Office... "
Question: But you do have more spending cuts to announce?Abbott: "I think again Mr Rudd is going to be embarrassed, because what people will see is that the $70 billion figure that Mr Rudd and his ministers have been trumpeting for months now is a complete furphy."
Question: "If Mr Rudd's going to be embarrassed I don't understand why you wouldn't want to embarrass him as soon as possible, as early as you can in the campaign?"Abbott: "The right time to release your final costings is when you have released your final policies. I released policy today, I'll have some further modest policy announcements over the next couple of days. When you've got all your policies out, then you release your final costings, your full list of spends, your full list of saves. The budget bottom line will be better under us than it will be under Labor."
Question: "If I want to vote for the party that believes in free markets and small government and is pro-business, for whom should I vote?Abbott: "Well, you should certainly vote for the Coalition."Question: "But so many of your policies are at odds with those principles - direct action on climate change, paid parental leave, hand-outs to Cadbury, a $1 billion to the car industry over the next couple of years, increases in taxes... those policies don't square with those values?"Abbott: "I accept we're not fundamentalists. I accept we're not zealots. But I think you've got to accept for your part that the Coalition thinks markets, by and large, work. Certainly I believe markets have been the best way of generating wealth that humanity has ever come up with. Various business groups like the Business Council of Australia, the Australian Chamber of Commerce and Industry, they are strongly supportive of the Coalition's policies."
Tony Abbott on the carbon tax:"An emissions trading scheme or carbon tax is a very artificial market. We're going to use incentives, not penalties. We are going to go with the grain of business, because let's not forget that Australia's emissions intensity has reduced by about 50 per cent over the last two decades as Australian businesses, without needing a carbon tax, whether fixed or floating, have very sensibly, in the ordinary course of responding to market pressures, tried to reduce their fuel and power costs."
Question: Are you committed to a 5% target, whatever it takes?Abbott: I am absolutely confident that we can achieve it. But we have capped, costed and funded our Direct Action policy.Question: So if it costs more than that $3.2 billion in your Direct Action policy, and you can't reach the 5% on that, you won't put any more money towards it?Abbott: I'm confident we will reach the 5 per cent reduction target, because as I said, we have had a 50 per cent reduction in emissions intensity without any taxes and trading schemes from a government.
Tony Abbott on Syria:"It seems the Syrian opposition includes quite a number of elements that are highly influenced by Al Qaeda. That is why I say that frankly it is a civil war between two equally unsavoury sides. That said, the use of chemical weapons by the Assad regime against its own people is an absolutely unspeakable abomination.
We've got to be very careful dealing with a powder keg like the Middle East, that we don't take well-intentioned action which could end up making a bad situation worse... We have to be very careful, because if we break something, we own it.Adding: "I don't think we should be getting ideas above our station."
TA's foreign policy adviser has a big job to do. His Foreign Policy arguments as nuanced as a pair of hot pink budgy smugglers.by LachlanFHarris via twitter 9/2/2013 9:53:57 AM
Tony Abbott on the Murdoch press:"Two points. Mr Rudd never complained when News Limited broadly backed him in 2007. And second, if you want better coverage, you have to lead a better government."I will do what I think is necessary in the national interest if we form government. If we do it wrong, in the opinion of various commentators, we will attract ferocious criticism."
How do you think Opposition Leader @TonyAbbottMHR went in his interview by @LeighSales ? Let us know at #abc730by abc730 via twitter 9/2/2013 9:57:26 AM
OL Tony Abbott's don't get above our station on foreign affairs stark difference to PM Rudd's activist approach eg, Libya and UNSC.by Latika Bourke via twitter 9/2/2013 9:57:37 AM
Shows the very different view of Australia's place in the world Tony Abbott and Kevin Rudd hold.by Latika Bourke via twitter 9/2/2013 9:58:21 AM
"That's a done done, the deal stands" @TonyAbbottMHR on whether RU486 will remain on the PBS #abc730by DeborahClay via twitter 9/2/2013 10:02:10 AM
In pitch to Christian lobby @TonyAbbottMHR says he respects opinions of all on same-sex marriage, but question will be dealt with by partyby Andrew Greene via twitter 9/2/2013 10:09:30 AM
Of course "emissions intensity" has fallen in the past two decades - the consistent growth of GDP ensures that, since emission intensity is simply the ratio of emissions to GDP. Abbott is using a misleading and disingenuous measurement to back away from bi-partisan agreement on actual carbon emissions reductions, which is, frankly, scandalous.
If you can't get to TV tonight, #QandA is also simulcast live on @ABC_NewsRadio . Tune-in at 9:35pm AESTby ABC Q&A via twitter 9/2/2013 10:46:25 AM
And that's yet another day done for the election campaign.Stay tuned to the ABC's radio, television and digital platforms for campaign updates and analysis.Don't forget to watch a special episode of Q & A featuring Prime Minister Kevin Rudd tonight at 9.35pm (AEST) on ABC 1, ABC News 24, ABC News Radio or on the Q & A website.We will return tomorrow morning for day 30.
First posted