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6 Parks near Hilltop Lakes, Texas
Franklin, Texas 17.66 miles SW
Centerville, Texas 17.91 miles NE
Madisonville, Texas 18.62 miles SE
Hilltop Lakes, Texas (map) | (936) 855-2222
Sites: 50 | Latest Rate: $17.00 | 2 Reviews
|Clean Restrooms:
|Clean Showers:
Mar 2016 - $17.00
This is a fairly rustic rv park with lots of trees. The restrooms/showers are older but clean and adequate. The sites are not perfectly level but close enough. We stay here when visiting friends who live in Hilltop Lakes and will do so again. Our site, 32, was excellent for satellite reception. - golfkitty
Jan 2012 - $30.00
Stayed there for a couple of weeks. Very quiet except on weekends; it then turns into a deer hunting camp with large campfires, loud talking late at night, and bathrooms left a mess. Found a very large pile of chewing tobacco in shower. Wi-Fi was very weak and slow. No cell phone service for AT&T and Sprint. Grass burrs everywhere. Everyone drives fast through park, even security! Sorry can't come back! - CitizensReflect
Franklin, Texas (map) | (979) 828-3191
Sites: 14 | Latest Rate: $25.00 | 1 Reviews
|Clean Restrooms:
|Clean Showers:
Jul 2009 - $25.00
Park is new and clean. Mostly permanent campers here but they were friendly, as was the staff. They even had fresh vegetables available for sale. If back in the area we will stay there again. - dalsgal
Franklin, Texas (map) | (979) 828-5377
Sites: 30 | Latest Rate: $20.00 | 10 Reviews
|Clean Restrooms:
|Clean Showers:
Sep 2016 - $20.00
No negatives. Grass lot, all are mowed. Train noise day only. Road noise but not terribly. Office not always attended. Just pick a spot and you will be eventually contacted. Park is currently up for sale and current owners are putting zero dollars into improvements. Pull through sites always full but back in sites are very easy access. Short dirt access road is ok, not a pot hole obstacle course. WiFi works. Verizon cell works, zero access for Sprint. - Ahrmless
Sep 2013 - $27.00
A small park along the highway with a friendly host, but rutted gravel roads and sites so close that slide outs almost touch. About half of the overnight pull-thrus were occupied by permanent residents, and most were not unsightly. The water line was cracked and sprayed water on to the power pedestal, and the general appearance was one of disrepair. The free Wi-Fi worked well, and Verizon cell and data were good. No cable, but a clear shot to the satellite from most sites. The train noise at night was loud enough to awaken us. Franklin doesn't offer much for dining except for the Dairy Queen. We'll pass this town next time. - Meanderman
Mar 2012 - $27.00
Good for an overnight stopover. We stayed on one of the pull through sites and they are a little close but as the sites weren't full we could move over some for a little more room. The previous posters didn't mention the train that is across the highway. It ran during the day but we didn't hear it the night we were here. Good cell phone with AT&T and great Wi-Fi. Road are gravel and dirt. I would stay here again. - nedmtnman
2435 W. FM 1644 Franklin, Texas (map) | (979) 828-2338
Sites: 46 | Latest Rate: $40.00 | 3 Reviews
|Clean Restrooms:
|Clean Showers:
Apr 2016 - $40.00
The campground is very convenient to Franklin. It is quiet. The folks are very friendly. There are shower/restroom and laundry facilities available. It also offers WiFi. We have enjoyed our stay so far. - Texas Grown
Apr 2016 - $40.00
The sites were gravel and level. It was easy to get into the sites. However, there were fire ant hills every where and dogs running loose and not being picked up after. It was a quick stop on our way but I'll never stay there again. - northern ranger
Jan 2013 - $15.00
Nightly rate was $30-40 per night. With Passport America was only $15. Great people at store. We called in earlier in the day and when we got there they knew our name. A big park. Roads are wide, pull-throughs are really big and place was easy to get to. Franklin seems to be great little town. I would stay here again without a problem. Their website is not working. - JustDon
Madisonville, Texas (map) | (936) 348-9470
Sites: 40 | Latest Rate: $25.00 | 11 Reviews
|Clean Restrooms:
|Clean Showers:
Nov 2015 - $25.00
Spent one night, we were met and directed to our site by a gentlemen who gave my wife some bread pudding that they make for Texas customers. It was by far the best thing that happened to us here. The site was dirt and level. The grounds were muddy and there was a stench of sewage that was prevalent that evening over the entire area. We stayed and left early the next morning. This is one that I will avoid on my next trip. - Dieselrv08
Apr 2015 - $27.00
Owner came out to check me in at 8 PM. Price was for 50 Amp full hookups. Location is very convenient to Buc-ee's and I-45. You can see and hear the traffic on the Interstate. Noise was not a problem with the air conditioner on. The is a well maintained park with gravel driveways and pads. Some grass is growing in the gravel pads. We had a very heavy rain and the drainage was pretty good with some puddles in the road. There is no cable TV, but OTA (over the air) eleven channels worked fine. ATT phone service is 5 out of 5 bars; Verizon was 2 out of 5 bars. There is no trash pickup at the sites. There are some chickens and mocking birds. There are some mature shade trees. The RV park offers home made bread pudding for $15 for a pan at the office. The free Wi-Fi strength and response is good. No flies or mosquitoes are noticeable. Beggar's Lice (plant seeds) are in the grass and wedge between the toes of our dog. He didn't like it until we picked them out. There are no picnic tables or fire rings. This is good for an overnight stay. - RVTravelerToo
Nov 2012 - $30.00
My husband works in the oil field, and we have stayed here a few times as there are no other RV parks in the area. The facilities look awful but are relatively clean. The sites are hit or miss on a good spot. Some are terrible, uneven, ants, and awkward positioned spots. Some are even, grass, clean, and shaded. The owners allow their dogs to run loose and bother you, but I have seen them kick someone out because their dog was not on a leash outside their RV. Owners are nice as long as you comply to all their requests. This place lacks organization of tracking your stay and payment. Wifi is not good. An overnight stay is fine, monthly stay... I was always ready to leave. - TxRayne
Buffalo, Texas (map) | (903) 322-1204
Sites: 16 | Latest Rate: $12.00 | 2 Reviews
|Clean Restrooms:
|Clean Showers:
Nov 2008 - $12.00
If you're looking for a slick, resort-type park, this isn't it! This is a very rustic park in an out of the way place. While children are welcome, I doubt that there's much for them to do -- I'd suggest that the park is suitable for an overnight only with kids. Adults, seeking quiet countryside living, might enjoy a few day-stay (we wish we could have stayed several days, but we already had subsequent prepaid reservations). Due to a problem on the road, we arrived just after dark. It was difficult to see/find the park. However, the park owner appeared with flashlight and assisted as we disconnected our tow'd and backed our motorhome so we could enter the park. The owner also helped guide us into our assigned space (park lighting is minimal). The space itself was quite roomy. The park has a number of long-term tenants and a few stored RVs. The owner explained the large number of vehicles parked -- apparently they also restore 'classic' cars that they export to Europe -- there were a half-dozen Ford Mustangs in various states of restoration and a fully restored 1928 Buick (very nice) parked in view. Previously this RV park was shown to have pull through spots, but that does not seem to be the case at this time. There was plenty of room to maneuver our 43' rig. We would stay there again. - Pete_by_the_river
Nov 2007 - $28.00
There is absolutely nothing here. The previous review is suspect. Nothing for children to do; you are in the middle of nowhere about two miles down a farm road off a secondary highway in a county with no tourist attractions or amenities of any kind! - JWT


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realmagick.com The shrine of knowledge.
- Joan of Arc Ring Back in France After 600 Years in UK
- Now, as the trial continued, they wanted to know about her silver ring, which had been seized by the English-allied Burgundians following her capture in the spring of 1430 during an assault on Compiegne. Joan of Arc ring sold at auction.
- One ring to fool them all?
- The one given to her by her parents was by this time in the possession of the Burgundians, England's allies, who had caught her. On it were the names of Jesus and Mary and also, she thought, there were three crosses. The other ring, given to her by her ...
- Why it's so hard to pin down where a pinot noir comes from
- Conveniently, the line-up for this year included two Burgundians – Etienne de Montille and Domaine des Lambrays' Thierry Brouin – and two torchbearers for "New World" (i.e. non-European) pinot – Beaux Freres' Michael Etzel from Oregon's Willamette ...
- Muscadet is not just for oysters
- Muscadet is the name of a wine made from a grape known as melon de bourgogne or, now that the Burgundians have grown offended at the relation and raised an official stink, melon B, or just melon.
- 'Joan of Arc ring' returned to France
- "She also said that this ring was in the hands of the Burgundians. There is no evidence that the Burgundians gave it to English Cardinal Henry Beaufort. Dr Bouzy added that authentication of such objects is complicated.
Burgundians is described in multiple online sources, as addition to our editors' articles, see section below for printable documents, Burgundians books and related discussion.
Suggested News Resources
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text: Over the years, DDMA has proven to be an extremely valuable partner in helping Jack Daniel's develop its consumer brand building platform in China. No one knows the Chinese alcohol beverage market better than DDMA. They have assembled an exceptional team, which is the key ingredient to delivering exceptional consumer and market insights.- Jack Daniel's (Brown Forman), Global Director


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Routine eye testing averts man's stroke
A Colac man has avoided a stroke thanks to a routine eye check-up.
BRAVE YOUNGSTER: Family positive despite cancer diagnosis
THE FAMILY of Birregurra's Sienna Leeson is staying strong and positive while the 7-year-old fights kidney cancer.
HARLEY THRILLS: Ocean road cruise off the list
AN APOLLO BAY woman has knocked another item off her bucket list thanks to the "kindness" of a Harley-riding "stranger".
INSPIRING TALE: Teenager recovering after beating disease
PROMISING Apollo Bay footballer Tristan Smith considers himself lucky despite developing a disease which threatened to prematurely end his sporting career.
MIRACLE WORKERS: Heart drug helped save Cobden man's life
A COBDEN man has thanked paramedics who treated him with a life-saving drug while he was having a heart attack.
CENTRE OPENS: Cancer facility's names honour donors
COLAC'S new cancer treatment facility, the Frank Minchinton Centre, takes its name from the late potato farmer who donated $150,000 to the centre's development.
MISSION OF LOVE: Devoted sister raises $10K for cancer research
COLAC'S Tracey Lang says she is overwhelmed and humbled by the support she has received from the community in her quest to raise money for a cancer charity in honour of her late sister.
INSPIRATIONAL RECOVERY: VFL debut in sight after health scare
COLAC VFL export Jack Williams has come a long way in football since overcoming a potentially life-threatening illness two years ago.


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October 21, 2016
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There were no shortage of fireworks as the two candidates threw personal jabs.


text:
Showing Suppliers 1 - 20 of 77
Festo Corporation (10 Products)
Address: 395 Moreland Road, Hauppauge, NY
Business Type: Manufacturer, Service
Description: Festo is a leading global manufacturer of pneumatic and electromechanical systems, components and controls for process control and factory automation solutions, with more than 55 national headquarters serving more than 180 countries. With over 40 years of innovation in the United States and... (more)
Kee Safety Inc. (2 Products)
Address: 100 Stradtman Street, Buffalo, NY
Business Type: Manufacturer
Description: Safety Railing Systems and Components to Meet OSHA Standards and other Regulations Kee Safety manufactures a variety of systems and components to meet safety regulations, reduce installation costs of railings and clamping systems, and provide flexible design options for a wide range... (more)
SCHOTT North America, Inc. - Glass Tubing (2 Products)
Address: 555 Taxter Road, Elmsford, NY
Business Type: Manufacturer
Description: SCHOTT North America, Inc. - Glass Tubing is one of the leading manufacturers of glass tubing and rod worldwide offering tailor made products and services for international growth markets. Those markets include electronics, fiber optics, lighting, pharmaceutics and laboratory and industrial design.... (more)
An-Cor Industrial Plastics, Inc.
Address: 900 Niagara Falls Blvd., North Tonawanda, NY
Business Type: Manufacturer
Bar Hydraulics, Inc.
Address: 4506 Main St., Buffalo, NY
Business Type: Service
Blair Supply Corp.
Address: 785 Beahan Road, Rochester, NY
Business Type: Distributor
Carmel Winwater Works Co.
Address: 86 Fair St., Carmel, NY
Business Type: Distributor
Chemung Supply Corporation
Address: Route 14, Elmira, NY
Business Type: Distributor
Corrosion Technologies, Inc.
Address: 70 Leddy Street, Buffalo, NY
Business Type: Manufacturer, Service
Crucible Industries
Address: 575 State Fair Blvd. PO Box 977, Syracuse, NY
Business Type: Manufacturer, Service
Davidson Pipe Supply Co., Inc.
Address: 5002 Second Ave., Brooklyn, NY
Business Type: Manufacturer
Erb Co., Inc.
Address: 1400 Seneca St. PO Box 1269, Buffalo, NY
Business Type: Distributor
Ferrum International Ltd.
Address: 350 Fifth Ave., Suite 4622, New York, NY
Business Type: Distributor
Fleischer Tube Distributors Corp.
Address: 71 Saxon Ave., Bay Shore, NY
Business Type: Distributor, Service
Flex-Hose Co., Inc.
Address: 6801 Crossbow Drive, East Syracuse, NY
Business Type: Manufacturer
Global Metals
Address: 253 West 18th Street, New York, NY
Business Type: Distributor, Service
Grainger Industrial Supply
Business Type: Distributor
Description: Grainger helps customers save time and money by providing them the right products to keep their facilities up and running. Grainger's customers are 2.0 million businesses and institutions in 157 countries. While each customer has a unique facility to operate and a different problem to solve, our... (more)
Address: 35 Corporate Circle Branch 016, Albany, NY
Address: 6285 E. Molloy Rd. Branch 816, East Syracuse, NY
Address: 1999 Mt. Read Blvd. Branch 656, Rochester, NY
Address: 1 Park Dr. Branch 546, Melville, NY


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Winner of the 2015 CPG Editor's Choice Awards - Bar category
Made with premium nuts, seeds and fruit. No added sugar
READ MORE at https://www.godaddy.com/garage/smallbusiness/launch/urban-raccoon-snack-bars-founder-shares-startup-tips/
We appreciate your business and support over the past 5 years. However we no longer sell our tasty snack bars. We hope to return soon offering more great products!
PO BOX 463, Lodi, OH 44254, US


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Nb: infants must be under the age of 2 and
children must be under the age of 12 at the time of
Ski Plus: Prices shown include accommodation, flights & transfers, ski/board hire or carriage & local lift pass.Residence Le Ruitor, Arc 1800
Ruitor apartments are in a south west facing building on the edge of a pine forest just 300 metres (approx.) from the nearest ski lift. This is an excellent location from which to access the Paradiski terrain which includes La Plagne.Parking: Covered parking is available (booked in advance and paid locally) in the immediate vicinity of the residence, however, places are limited. There is also free outdoor car parking about 200 metres from the residence.There is a restaurant with a lively atmosphere. There is a sauna.
All studios and apartments have a fully equipped kitchenette with three hotplates, fridge, microwave-grill oven dishwasher, shower or bathroom with WC and a balcony.
A refundable deposit of €200 is payable on arrival (credit cards accepted).
The Comfort+ option is available for a supplement and includes beds made up on arrival, two sets of towels per person, cleaning kit and end of stay cleaning. Please note if taking this extra all people staying in the apartment must book it. Bed linen, TV and local taxes included.


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Hello everyone,
Spotted on approach 04R @ KBOS this morning a Delta 772LR around 9am local time.
What brought this beauty here this morning ?
Thanks !
|Quoting jcarv (Reply 4):
MX delay out of DXB causing crew to time out. Entire crew needed to be replaced. New crews flight from ATL was delayed 2 hours (DL800) which further delayed DL7 out of BOS.
|Quoting airbazar (Reply 6):
I know this is common across the industry but a diversion due to "crew timing out" has to be one of the stupidest rules ever invented.
|Quoting wingnutmn (Reply 7):
Well, do you want your crew on duty for more than 16 hrs? I don't fly across the ponds, but I have worked a 16 hr day, and i can say without a doubt I was fatigued at the end of the day and my judgement/reactions weren't as sharp. Now you want the crew to just continue? How long is too long? 18, 20 hrs?
|Quoting airbazar (Reply 10):


text:
RWUShort for remote wake-up, a generic term for the action of turning on a computer over a network from a remote location. Often, IT personnel prefer to maintain client systems after employees have gone home. Even if these tasks are automated, client machines must be left on. In the past, if they weren't left on, personnel had to manually turn them on. But, with wake-on-LAN, client systems can be remotely and automatically powered up.
Wake-on-LAN is considered a form of remote wakeup, but not all RWU systems are Wake-on-LAN as it is possible to wake a computer remotely using a dial-up connection from outside a local-area network.
Stay up to date on the latest developments in Internet terminology with a free weekly newsletter from Webopedia. Join to subscribe now.
Webopedia's student apps roundup will help you to better organize your class schedule and stay on top of assignments and homework. Read More »List of Free Shorten URL Services
A URL shortener is a way to make a long Web address shorter. Try this list of free services. Read More »Top 10 Tech Terms of 2015
The most popular Webopedia definitions of 2015. Read More »
Java is a high-level programming language. This guide describes the basics of Java, providing an overview of syntax, variables, data types and... Read More »Java Basics, Part 2
This second Study Guide describes the basics of Java, providing an overview of operators, modifiers and control Structures. Read More »The 7 Layers of the OSI Model
The Open System Interconnection (OSI) model defines a networking framework to implement protocols in seven layers. Use this handy guide to compare... Read More »


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All our Florence collections:
Cradle of the Renaissance, Florence is one of the world's most beautiful cities, packed with wonderful art and architecture on a grand scale. Marble statues grace piazzas, ceilings and walls are fresco-covered and views are handsome and historic. And if you're here for Michelangelo, Botticelli and Leonardo da Vinci, then why not have the accommodation to match! The big chain hotels, present in so many popular destinations, don't seem to have a foothold here, and an increasing number of the best places to stay in Florence are independently run, many converted from large old family homes and palazzos.
A mecca for art lovers, some of the best places to stay in Florence are ideally located for those who want to reach their chosen masterpiece in the blink of an eye, so that they can beat the queues.
For those who are less fussy, many of our picks for the best places to stay in Florence display their own art. Frescoes abound in the old palazzos and many are stuffed with antique furniture, creating an aura in which you can almost see yourself dining with the Medicis, or plotting alongside Machiavelli.
As well as historic art treasures, Florence has a rich modern cultural scene. This is a place to come to eat extremely well, to attend great classical music or opera concerts, to see the latest art exhibitions - both old and contemporary and to live a little, or a lot. So Florence has long been the city break of choice for people whose taste runs to the artistic.
Or, if you're here to shop stroll down the Via de' Tornabuoni for a designer label fix, or visit the mercato centrale and soak up the local atmosphere, or pick up a bargain on the Ponte Vecchio.
You can opt to be in the thick of things (and most of our recommendations for the best places to stay in Florence are) or head for the hills that fringe the city where, especially in summer, you'll find relief from the heat and dust.
Florence has a lovely rural-urban vibe, so some of the villas on the outskirts of town feel like they're deep the Tuscan countryside, while still being only about a 30minute stroll to the centre of town.
One of the best things about staying in one of the villas on the outskirts of Florence is that there's a chance you'll have a lovely view of the city. There's also the benefit of being close to the vine-lined hills of Chianti.
The huge number of hotels and guest houses means that in the cooler, quieter months there are some excellent accommodation deals to be found (for self catering ideas go to our online partner booking.com). There's always something on here. A thousand and one events are packed in from late spring through early autumn - this is when there are outdoor events as well, but Florence is also a wonderful place to visit in December, January, February.
Florence (Tuscany)
Charming hospitality welcomes guests to this stylish, owner-run B&B in a prime location near the Duomo. Four poster beds, antiques and decorative detailing is a delight to wake up to. Gawp at Florence from the rooftop over your breakfast or nightcap. Perfect for families - a home away from home.
Florence (Prato)
18th Century family run B&B, nestled between its own vines and olive groves, on the outskirts of Florence. The warm decor with family antiques and pictures, give a true Italian homely feel. Simple comforts, full of character and a wonderful countryside spot from which to explore the region.
A noble building renovated in contemporary style. Modern bedrooms and living areas all in reds, blacks, and greys. Lovely inner courtyard and breakfast room. A great choice for those on a budget.
Boutique flair and eclectic romance throughout this stunning hotel. Canopied four poster beds, splashes of vintage colour, and DVD players. Spectacular views of the city's panorama from the roof top terrace. Very romantic, stylish, and excellently positioned.
A beautiful hotel on a peaceful piazza. An historical building with romantic rooms and suites that exude traditional elegance. Four poster beds, pastel walls, paintings and soft lighting. Wonderfully located, family friendly, very characterful.
A lovely traditional villa in the hills overlooking Florence. Traditional rooms with parquet floors, fireplaces, creamy hues, and private balconies. Restaurant, meeting room, terraces and swimming pool. Great value, very romantic.
Florence (Uffizi)
Lovely B&B right in the heart of Florence. The minimalist rooms are comfortable with tasteful artwork hanging on the walls. The central location is ideal for sightseeing and browsing the bountiful choice of restaurants and bars. Low cost and great location, an unmissable combination.
Utterly romantic Florentine palace. A Renaissance dwelling with the atmosphere of another age. Period decor, sculptures, and original paintings in beautiful rooms and suites with private balconies. Lovely garden and breakfast courtyard. An (art) lovers choice.
Vicchio di Mugello, Tuscany
Gorgeous country house olive estate in the Tuscan hills. Timeless rooms, suites, family suites, and apartments have canopied beds, killim rugs, antique artworks and glorious views over cypresses and olive groves. Excellent restaurant, art and cookery classes.
Super chic and intimate B&B in an elegant Florentine palazzo, run by textile designers. Each room is unique and follows its own theme with equal style. Centrally located and a truly magical stay.
Chic boutique B&B with just four bedrooms. White walls, black parquet floors, wooden beam ceilings and splashes of modern art. A great city spot, and great value.
Slick modern minimalism set within traditional Renaissance architecture. All white rooms and suites with wooden floors and all the mod cons. Small gym, massages and a hot tub, Tuscan snack menu, and stunning panoramic views from the terrace. A lively little spot, refreshingly cool.
Florence (Tuscany)
Centrally located family-friendly B&B in a historic tower over 1,000 years old. Art deco touches with eclectic antiques add character to the rooms. Breakfast is served in-room. This spacious, quirky B&B is great value and offers its own history with some large frescoed rooms.
Florence (Tuscany)
Not only are each of this hotel's 10 bedrooms uniquely decorated, they draw from different centuries. Intricate Renaissance ceiling work juxtaposed with bold wall lights & retro furniture. Enjoy a hearty continental breakfast before stepping out the door into the heart of Florence. A hipster haunt!
Florence (loc. Mosciano, Scandicci)
A traditional hotel set in the Tuscan hills. Charming rooms have antiques and rustic features. Outstanding Tuscan cuisine, pool and garden with hydrangeas, pomegranate trees and roses. Views over Florence which is a few minutes drive away. A perfect Italian country weekend for couple or families.
Florence (Scandicci)
Charming B&B with a real familial touch. The bespoke rooms are adorned with tasteful furniture. A real highlight is the place's location, which provides easy access into Florence whilst also being home to stunning views of the Tuscan hills. A place brimming with character.
Charming riverside hotel with a fabulous garden roof terrace overlooking the rooftops of Florence. Traditional rooms and suites in pastels colours with marble floors and river views. Understated, but classic.
A beautiful old Italian country house converted into a range of apartments and villas. Panoramic views of the countryside around. Elegant interiors have stone floors, four poster beds, and paintings on the walls. Restaurant, pool, and self-catering. A perfect choice for a family.
Florence (Tuscany)
Traditional 14th Century villa full of character, antiques and with a fascinating history rests in charming gardens overlooking Florence from neighbouring Fiesole. Classic style rooms ooze Tuscan elegance. Enjoy meals on the terrace overlooking the olive groves and enjoying the regions delicacies.
A cheerful B&B, also available for exclusive use. A more affordable option for Florence if travelling as a group of 8. Brightly coloured rooms and a lovely breakfast terrace.
Breathtakingly beautiful villa, previously a private home, overlooking Florence from its hilltop perch. Desperately romantic with a warm and informal atmosphere. Enormous rooms and suites with frescoed ceilings and four poster beds.
Florence (Tuscany)
16th Century convent transformed into a delightful, antique filled boutique hotel. Rooms with views provide both comfort and value. Breakfast is served in the courtyard by attentive and knowledgeable staff. Magical stay in the heart of Florence.
Florence (Tuscany)
Imagine waking up in Piazza della Signoria surrounded by history, comfort, frescoed ceilings, stonewalls, and parquet floors. Highly popular, family run B&B offers the true 'Florence' experience from classic rooms to delicious communal breakfast. A great choice for couples, families and groups.
14th century frescoed villa five minutes from the centre of Florence. Villa Tolomei is a Five Star hotel set in a peaceful 20 hectares with olives groves and vineyards, a spa, outdoor pool, lovely gardens and a wonderful restaurant. Beautiful views overlooking the city.
Quirky hotel nestled in the heart of historic Florence. Twenty two individually designed rooms and suites with parquet flooring, vintage style furniture and statement pieces of contemporary art. The old v new themes continues throughout the common areas. Perfect for the design conscious city break.
Delightful Florentine hotel in the centre of the city. Mirroring the rich culture of the city, Hotel Cellai is home to a fantastic collection of artwork and antiques. Its tasteful rooms are comfortable and spacious. The perfect launchpad from which to explore the birthplace of the Renaissance.
Very special Florentine hotel on the riverside. The ballroom breakfast room features original frescoes covering the vaulted ceiling. Beautiful terrace roof bar, cosy library, and lovely rooms and suites with river views. A classical spot in Florence.
Florence (Tuscany)
1931 elegant Neo-Classical Palazzo now boutique B&B offering great value rooms, prime location and romantic interiors. Two beautifully intact frescoed suites, the rest semi contemporary rooms, all have breakfast in room. Quiet, intimate location is perfect for a romantic break and city exploring.
Florence (Tuscany)
Converted 15th Century Palazzo with plenty of history, just off Via dè Tornabuoni. A 4* hotel brimming with original frescoes and antiques. Spacious rooms with polished parquet flooring and marble bathrooms create a classic feel. Choose from formal candlelit or al fresco dining. Couples will love.
Florence (Tuscany)
Centrally located boutique B&B with rooftop views of Ponte Vecchio, the Duomo and across the 'Centro storico'. Compact and elegant rooms are filled with antiques. Charming sitting room with a fully stocked bar for guests. Enjoy breakfast on the roof before exploring Florence at your leisure.
Florence (Tuscany)
A wonderfully private relaxed Tuscan retreat. Chic rooms, feature fine fabrics and antique furnishings. The outdoor pool and beautiful gardens make this a ideal spot for relaxation. Enjoy an expansive breakfast on the veranda, cooking classes from expect chefs and proximity to local medieval towns.
Florence (Tuscany)
Claudio Nardi's artist studio turned laid-back urban retreat, overlooking the Arno River. The chic lofts exude comfort and bold contemporary design. Vintage-style bicycles are available for whizzing into Florence city centre. Designer chic, a tranquil haven from the hustle bustle.
Tranquil bed and breakfast in a lovely villa with elegant interiors in the north of the city. Spacious rooms with large sash windows, parquet flooring and antique furniture. Charming, good value and family run. In a great location for an authentic stay outside of the tourist area.
Small boutique chic hotel in central Florence. All-white rooms, suites, and a penthouse with dark oak floors and splashes of colourful modern art. Some rooms have kitchenettes, and the penthouse sleeps four. A great choice for movers and shakers or those looking for more privacy.
Fabulous design hotel in central Florence. Contemporary art, high couture, and the comforts of a luxury hotel. Chic bedrooms and suites with views over Florence from private terraces. City style and art combined.
Awash with opulence and grandeur, Leone Blu harks back to its medieval roots. Its rooms are lush and palatial with stunning antique decorations and frescoed ceilings reflecting the hotel's celebration of Florentine culture. Perfect for exploring the beauty and romance of Florence. A majestic gem.
A sophisticated townhouse hotel with a selection of rooms, suites, and apartments. Beautiful interiors have boutique decoration, paintings on the wall, some with four poster beds, pretty fabrics, and views over the square. Small gym, sauna, and spa therapies. Stylish, romantic, family friendly.
Exceptional and historic private palazzo overlooking the Duomo. Rooms and suites feature antiques, family portraits and stunning frescos. Marble bathrooms are large and impressive. Recently renovated yet authentic and full of character. A spectacular residence.
A romantically decorated hotel. And yet, it is also a catwalk for the fashionable and the desired in the heart of Florence. Light open spaces, outdoor sitting areas with magnificent views, and a luxurious spa.
Exclusive Baroque splendour in Florence with beautiful pool and landscaped gardens. Luxurious bedrooms and starred restaurant.
15th century distinguished Palazzo named after the family that once lived here, right in the heart of Florence. Dante called it 'Paradiso'. Now divided into fourteen luxurious and exquisitely decorated suites and apartments, some with terraces, high ceilings and views. Perfect for art lovers.
Florence (Fiesole)
Extremely luxurious, extremely romantic. A 15th century palazzo set in the hills above Florence. Lavish bedrooms and suites with oak floors, vaulted ceilings, and artworks. A spa, restaurants, and spectacular valley views.
Florence (3, Duomo)
Positioning between the Duomo and Palazzo Vecchio makes this 4* boutique a romantic hideaway in the heart of Florence. Chic rooms are spoiling with views and comfort. Be warned, proximity to some of the most famous works of art might mean you can't sleep at night! Tower Bar is popular hangout.
Florence (Tuscany)
Elegance and style are what encompass this fantastic hotel located right on the River Arno. Boutiquey rooms feature unique artworks yet all the amenities of a chain. The best rooms boast terraces overlooking the river. The Borgo San Jacopo Restaurant comes well recommended by all.
Florence (Candeli)
Opulence abounds at this majestic Medici villa. Within touching distance of Florence, this enchanting renaissance hotel is perfect for those looking for a luxurious way to visit the city. Relax your senses in the spa or enjoy a delicious meal overlooking the Arno. Indulgence personified.
Florence (Tuscany)
A chic and sophisticated spot, in the heart of vibrant Florence. Personal touches and thoughtful details give this boutique hotel a homely feel, if of course your home could match a five* is comfort and style. The rooftop bar and courtyard dining room are wonderful additions.
Florence (Tuscany)
An magnificent Renaissance Palace, turned luxurious hotel, south of the river. Indulgently large suites are packed with frescoes, elegant antiques and historic charm. Enjoy breakfast in the courtyard or drinks on the rooftop. Manages to retain and enhance the private Palazzo feel.
A luxurious hotel on the charming Piazza della Repubblica. The stylish contemporary suites feature a range of original artworks, private saunas and views of the Duomo. The chic on site restaurant serves up locally sourced cuisine in a trendy setting. Ultimate in city style.
Florence (Tuscany)
Since the mid-17th Century this charming hotel has housed the international elite in its elegant rooms and with its old-style luxury. Charming, classic styled rooms vary in size but all exude comfort. The Hostaria Bibendum offers a Mediterranean menu with a view of Piazza Strozzi. A charming stay.
Florence (Tuscany)
A charming 15th Century monastery adorned with Michelangelo facade, turned luxurious boutique hotel. The chic rooms exude old world elegance and style. Enjoy fine dining at the Michelin starred restaurant or overlooking Florence from the immaculate gardens. Totally unique.
Two beautifully restored Rennaissance buildings set in an incredible 11-acre botanical garden with, high end spa and pool. Public areas showcase Renaissance art and sumptuous suites spare no expense. Think silk, velvet, marble, frescoed walls and antique furniture. Il Palagio boasts a Michelin Star.


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Samir Aguiar
Posts: 1
posted 3 years ago
Hello there,
I have an assignment where I need to simulate a parking lot.
The cars will stay in a waiting line while all the parking places are being used.
After one of them is freed, one car from the waiting line can park.
There are three kind of users. F users take priority over A users, while D users take priority over both F and A users.
So I have three threads, D, F and A.
I also have three more classes, Car, ParkingLot and Main.
ParkingLot is shared between the three threads, and each thread has a Car object.
ParkingLot has methods to take a parking place, release a parking place, take a place in the waiting line, release a place in the waiting line and some others.
The Main class will create the threads and start them. The threads will then try to park, and when the parking lot is full they'll be waiting.
The waiting line and the parking places are arrays of Car objects.
Here's the method to park, which is called by the three threads:
public synchronized int takeSpot(Car car) throws InterruptedException { if (freeSpotsWaitingLine > 0) { while (freePlaces < 1) { // no free spaces to park takePlaceWaitingLine(car); // take a spot in the waiting line wait(); } freePlaceWaitingLine(car); // free a place in the waiting line int parkedPlaceNumber = findPlace(); // find an empty space to park freePlaces--; // decrement the number of free places to park cars[parkedPlaceNumber] = car; // puts the car in the array of parked cars printParkingLot(); return parkedPlaceNumber; // returns where the car is parked } else return -1; // the waiting line is full }
My problem is: how do I set the priority for the threads? I tried to use setPriority(), but to no avail.
Any ideas?
I'm also not sure if my implementation is right, so I appreciate any advice on this.
Best regards,
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Anonymous review posted on
Mr. Darish is very professional, yet still maintains a tender, human side. He even laughed at some of my dumb jokes. Overall, he made me feel very comfortable and supported. I was worried about filing bankruptcy in that I thought I would be judged, but this was never the case. I picked him out of the yellow pages, because he just "looked" like a good man. I stayed with him as an attorney, because he IS a good man. I would highly recommend him to anyone that is trying to find someone to represent their case that is fair, compassionate and who will work with you in a timely manner. Thanks so much Allan!
Posted by James
Cheerful, ok a little bit of a control freak about his work but you want that in a lawyer, he cares about his clients, and gets the job done timely. If you deal with lawyers, you know that sometimes you just have to fire them and move on to someone who will do the job. THis guy is the guy you can move to do get the job done.


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BREAKING NEWS: No Joke, Big Dick Hunter Returns to Dallas Radio on April 1
Bigger than ever.
While one Live 105.3 alum bites his tongue and cashes his checks, another is on the verge of a return to Dallas radio - and beyond.
Big Dick Richard Hunter's locally based, nationally syndicated show hits our airwaves in drive time - 4-6 p.m. - on KMNY 1360 AM begininning April 1. Hunter's Wild Ass Circus, if you remember, was hand-picked for coast-to-coast success by Rick Dees late in 2008.
Now - ironically just a couple clicks down the dial from the station where he hatched his show (1310 AM The Ticket) and just a few feet across the street from the station that booted him via format change in December (105.3 The Fan) - he's re-launching his unique, edgy and wildly entertaining brand of radio - I'll admit, it's long been my favorite show - on a progressive political talk station that boasts itself as "rational radio."
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Hunter could've moved operations to another city, but found a local hub that provides him a strong drive-time signal and allows him to build on his existing equity in Dallas.
Though it's technically re-branded as "The Richard Hunter Show", the format will remain the same. And that means? Sex, society and sports, all delivered in a style you won't hear anywhere else on Dallas radio.
"The progressive political talk format is perfectly suited for us," Hunter told me last night. "In a way, sports has been following me around my whole career, trying to kill me. But the night that George W. Bush invaded Iraq, I had an epiphany. There I was, questioning the existence of WMDs on air, surrounded by co-workers chastising me like I was insane. It was that night I realized that politics is the ultimate sport, and it's always in season."
Welcome back,
Big Dick Gigantic Richard.
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Imagine a dinner party in an English country manor with an American cook named Bubba making a traditional Thanksgiving dinner, waiters from Cal Tech, British royalty among the guests, a cat named Pudgy, and a thief. Honestly, what could go wrong? "Pudgygate" by USA Today bestselling author Kristine Kathryn Rusch is free on this website for one week […]Read More
Posts tagged Thanksgiving
The Business Rusch: Thanks-giving
For the fourth year in a row, I have posted a blog on Thanksgiving. But this year is the first time I've decided to write a post about the holiday itself. Many of you who read this are not from the United States, which is why I have ignored the holiday (and most others like […]Read More


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Tennessee Wesleyan College
Athens, TN
Amy Grant sings along with Michael W. Smith and Steven Curtis Chapman [standing] at the 34th annual Dove Awards show at Nashville's Gaylord Entertainment Center. Rick Diamond / WireImage
April 10, 2003 |
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November 8, 2008 |
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Hole 2: Part 2 - RagingStallion
Models: Bryan Cole and Luke Milan
Film: Hole 2
Studio: Raging Stallion
Luke is naked, immobilized by plastic wrap binding him to a bed. His humongous dick is hard, but his deeply tanned muscles cannot prevail against the plastic. He's being watched by a man who is silhouetted behind a plastic curtain. The shadowed voyeur, Bryan, appears to be masturbating. He pushes his way into the room and begins to massage Luke through the plastic. Bryan is smooth and muscular, with rings in both nipples, a chromium bar through the underside of his penis and a worn jockstrap. Luke cannot move but his breathing grows heavier as Bryan caresses and tongues the exposed parts of his body, slowly pushing the plastic out of the way. Bryan releases Luke's cock and sucks it. Now Luke can move his hips, which rock to fuck Bryan's face. Bryan removes the plastic covering Luke's head and sits on his face. Hardcore gay porn is flickering on the closed-circuit TV monitors on the wall. Bryan backs up until the tip of Luke's cock is poised to sunder his hole. They connect with a single synchronized movement of their hips. Luke fucks Bryan in three positions, stopping to suck him. They lie in each other's embrace, their flesh welded by sweat, and jerk out their loads.


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On Tuesday, the highly respected Wallspace gallery in Manhattan's Chelsea neighborhood announced it would close its doors permanently on Aug. 7. The lease was up, and "it necessitated a reevaluation," said Jane Hait, who co-founded the space with Janine Foeller. "It's a particularly tough climate for people doing work that's not necessarily super commercial." The closure of such a celebrated fixture of the New York art scene underscores the fact that—despite the unprecedented avalanche of money blanketing the contemporary art world—it's surprisingly difficult for galleries to make money.
The news of Wallspace's closing comes just weeks before the English release of Management of Art Galleries, a slim, Day-Glo orange book that caused a furor when it was published in Germany last year. Written by a 31-year-old German entrepreneur/professor/art adviser named Magnus Resch, the book argues that most galleries are undercapitalized and inefficient, and moreover, that with McKinsey-like business strategies (Resch went to the London School of Economics and the University of St. Gallen, in Switzerland), the entire art market could be turned into a profit-generating machine. "I could have just said, 'The revenue numbers are terrible,' but rather than being so negative I'm actually offering solutions," Resch says in an interview. "It's based on the analysis that I did."
Under different circumstances, Resch's claims would probably have been waved away, but in what's close to a first for the gallery world, he has the data to back them up.


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Le Magnan - Avignon
This charming hotel is an early 20th-century building surrounded by a nice garden, a peaceful spot where guests can enjoy a rich breakfast. A Wi-Fi Internet point is at guests' disposal to check emails or surf the web.
Hotel Le Magnan is an ideal starting point to discover the enchanting Provence region, famous for its lovely landscapes and wonderful cities, like Nîmes and Arles, easily reachable by car. A number of restaurants can be found only a short walk away.
The hotel owners will be glad to provide useful information to make your stay in Avignon an extremely pleasant one.
Le Magnan - Avignon
Hotel Info: 1-877-214-4288from $48
- Single Room
- Superior Double Room
- Standard Twin Room
- Standard Double Room
- Quadruple Room
- Triple Room
- Superior Twin Room
- Double Room
Also popular with travelers from the USA
At a glance
Key facts
Hotel size
- This hotel has 30 rooms
- This hotel is arranged over 2 floors
- Check-in time 3 PM-10 PM
- Check-out time is 11 AM
If you are planning to arrive after 10 PM please contact the property in advance using the information on the booking confirmation.
Required at check in
- Credit card or cash deposit required
- Government-issued photo ID required
- Minimum check-in age is 18
Travelling with others
- No pets or service animals allowed
- Free WiFi in public areas
- Free WiFi in rooms
- No parking
In the hotel
- Buffet breakfast daily (surcharge)
- Golfing nearby
- Front desk (limited hours)
- Concierge services
- Tours/ticket assistance
- Free newspapers in lobby
- Multilingual staff
- Number of buildings/towers - 2
- Safe-deposit box at front desk
- Garden
In the room
- In-room climate control (air conditioning)
- Air conditioning
- Egyptian-cotton sheets
- Private bathroom
- Shower/tub combination
- Free toiletries
- 56-cm flat-screen TV
- Satellite TV channels
- Desk
- Free WiFi
- Phone
- Daily housekeeping
Le Magnan - Avignon's small print
Also known as
- Magnan Avignon
- Magnan Hotel
- Magnan Hotel Avignon
This hotel will place an authorization on the guest's credit card for 30% of the entire stay or for the amount of 1 night's stay for any bookings where payment for the stay will be made on site instead of at the time of booking. For more details, please contact the office using the information on the reservation confirmation received after booking.
Only registered guests are allowed in the guestrooms.
This property does not have elevators.
Mandatory fees
You'll be asked to pay the following charges at check in or check out:
- A tax is imposed by the city: EUR 0.94 per person, per night. This tax does not apply to children under 18 years of age.
- Tourism fee: EUR 0.94 per person, per night
Optional extras
Buffet breakfast is offered for an extra charge of EUR 9.00 per person (approximately)
We have included all charges provided to us by this hotel. However, charges can vary, for example, based on length of stay or the room you book.


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Spider-Man, spider web, web design. @
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That doesn't cost the earth...
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Online Marketing
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A key element in what we offer you is seeking out the best content management system.


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It's frustrating when an injury sidelines your workout routine. And once you're ready to get back to it, you don't want another injury to sideline you again. Follow these easy tips to ensure that you get back into shape as quickly and safely as possible.
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Eating healthfully doesn't have to break the bank. The Nutrition Twins offer up six easy ways to purchase wholesome foods while also drastically cutting your grocery budget.


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Guidance for Loan Guarantee Program
I. Introduction
1.A. Overview
In the current environment, health centers have been challenged to compete in a rapidly evolving health care marketplace. Two of the most pressing challenges faced by health centers are (1) the significant barriers in accessing capital for developing or operating managed care networks and plans or practice management networks and (2) the difficulty experienced in obtaining financing from commercial lenders and others at reasonable rates. Health centers recognize the challenges and opportunities that are occurring in the health care environment and are aggressively moving to form managed care networks and plans or practice management networks. While many of these centers are demonstrating varying degrees of success in operating within a dynamic health care system, those health centers that do not participate in a network or plan, or that participate in one that cannot effectively compete for the Medicaid market, will likely experience a severely diminished revenue stream and a high risk of failure.
1.B. Program Description
Section 330(d)(1) of the Public Health Services Act under subsections (c)(1)(B) and (c)(C)(1) of the Act, as amended, authorizes the Secretary to guarantee up to 90 percent of the principle and interest on loans made by non-Federal lenders to health centers as defined and funded under section 330 of the Public Health Service Act, to finance the costs of developing and operating practice management networks or managed care networks or plans ("network or plans").
The Health Care Safety Net Amendments of 2002 (Public Law 107-251) includes legislative changes that enhance the Program. These changes include:
- Increases the maximum guarantee percentages from 85 to up to 90 percent;
- Allows for refinancing as an eligible use of guaranteed loan proceeds;
- Expands the eligibility for the managed care loan guarantees to include practice management networks; and
- Loan guarantees may be made directly to networks or plans that are at least majority controlled or majority owned (as applicable) by section 330 funded health centers.
1.C. Program Structure and Operation
The Loan Guarantee Program guarantees loans secured from non-Federal lenders and is not to be considered a direct loan or grant. This Program is generally expected to operate as follows: the applicant for a loan guarantee under this Program will borrow funds secured from a non-Federal lender and guaranteed up to 90 percent by the Bureau of Primary Health Care (BPHC) to (1) develop a network or plan, and/or (2) operate a network or plan already in place. To be eligible for a loan guarantee under this Program, the network or plan must be owned or controlled by health centers (see Eligible Applicants and Definitions sections below). Under this Program, a network or plan may receive only one loan guarantee, except that upon showing of good cause the BPHC may make additional loan guarantees.
II. Application Format and Instructions
2.A. Application Process Summary
In addition to applying for a guarantee through the Program, the applicant must also apply for a loan from a non-Federal lender. The application process for the Loan Guarantee Program includes a two-part process:
- A pre-application process intended to assess eligibility, exchange information on the loan guarantee program, and discourage submission of final applications containing proposals for which there is little or no chance of success; and
- An application process designed to review proposals and assist applicants in approaching lenders. Upon completion of a desk review of the application materials, the BPHC will arrange for site visits. A panel of reviewers will review applications that are complete and have been determined to be eligible.
During the pre-application, applicants will outline their interests in applying for a loan guarantee. Eligibility for the program will be determined and information exchanged around the application process; roles and responsibilities of the guarantor, borrower, and lender coordinator; health center participation in the guarantee; and timeline for completion of the application process and loan closing. It is anticipated that the total review and response time on the Bureau's part for the pre-application process will not exceed two months (assuming all information requested by the Bureau is complete).
Applications will consist of the following: identification of the organization applying for a loan guarantee; organizational information such as Articles of Incorporation, By-laws, organizational charts, etc. (refer to Attachment A for additional information); and a current business plan (refer to Attachment B for additional information). A site visit will be conducted within 60 days of submission of a completed application package. It is anticipated that the total review and response time on the Bureau's part for the application process will not exceed four months (assuming all information requested is complete).
2.B. Eligible Applicants
Eligible applicants for a loan guarantee under this Program fall into one of the categories listed below:
- Developing or operational networks or plans, owned/controlled by and acting as the agents of health center(s), as defined and funded under section 330 of the Public Health Service Act; or
- A health center, as defined and funded under section 330 of the Public Health Service Act, acting (i) on behalf of itself or (ii) on behalf of itself and as the agent of other health centers.
This determination of eligibility is consistent with the requirements as set forth in the statute: the health centers legally are obligated for the loan and the loan guarantee. Legally, each health center participating in the separately incorporated network or plan will be a co-applicant for its allocated share of the loan, so that the health center(s) will be severally but not jointly liable. Under the Health Centers Consolidation Act of 1996, health centers may not be required by BPHC to pledge as security any asset that is, or may be, needed by the health center to provide health services. In other words, the health center is only at risk for its equity share in a for-profit network or plan, or its proportionate share of the assets in a non-profit network or plan.
Each health center that is an organizational member or collaborator in the separately incorporated network or plan must obtain formal written authorization from its Board for the purposes of applying for its share of the loan and loan guarantee, as well as making loan payments. Documentation of this authorization must be submitted along with the application.
2.C. Definitions
For the purposes of the Loan Guarantee Program, the following definitions are used.
- The term "loan" shall, in this document, mean arrangements such as a letter or line of credit, a guarantee of reserve requirements or other similar obligation, as well as the advancement of funds. Thus, a loan guarantee to an applicant as defined herein may secure the issuance of a letter or a line of credit, any obligation to post or maintain reserves, or the advancement of funds.
- The term "loan guarantee" shall, in this document, mean any guarantee with respect to the partial payment of the principal (up to 90 percent of the loan principal) on a loan as defined herein by a non-Federal lender to an applicant.
- The term "loan guarantee commitment" shall, in this document, mean a binding agreement by a Federal agency to make a loan guarantee when the applicant, the lender, and any other party to the guarantee agreement fulfill the specified conditions.
- The term "default" shall mean a breach or failure to comply with the terms and conditions of the loan agreement by the applicant/borrower of a loan. The loan agreement arises from the loan secured through a non-Federal lender that has been guaranteed under this Program.
- The term "health center" is defined as an organization funded under section 330 of the Public Health Service Act, and includes Community Health Center, Migrant Health Center, Health Care for the Homeless, Public Housing Primary Care and School-Based Health Center.
- The term "network" shall, in this document, mean a group of section 330 funded health centers, that has: organized into a single contracting unit and demonstrated administrative capacity and the ability to manage risk contracts. Networks, for the purposes of this Program, include managed care networks, practice management networks, and comprehensive networks.
(i) Managed care network: a group of safety net providers participating in or developing an organization to negotiate managed care contracts on behalf of the participating providers.
(ii) Practice management network: a group of safety net providers organized horizontally to improve access to care, improve quality of care, and achieve cost efficiencies through redesigned practices to integrate services and optimize patient outcomes.
(iii) Comprehensive networks combine managed care and practice management purposes in the same network.
- The term "plan" shall, in this document, mean a group of providers, including section 330 funded health centers, that has organized an entity recognized by the State in which it operates as a licensed health insuring organization, or licensed to function like a health insuring organization for the Medicaid and/or Medicare programs, and is authorized to receive a contract from the State or Federal government under such program(s).
- The term "owned and controlled by health center(s) For additional information, please refer to PIN 97-27, "Affiliation Agreements of Community and Migrant Health Centers."" shall, in this document, mean that the section 330 funded health center or health centers in the network or plan collectively have the authority to appoint a minimum of 51 percent of the network or plan's board members. In addition:
(i) Relative to for-profit networks and plans, the health center(s) in the network or plan must hold a minimum of 51 percent of the equity in the network or plan, and have the right to a minimum of 51 percent of any distribution of profits; and,
(ii) Relative to non-profit networks and plans, subject to State law and applicable tax laws, the health center(s) in the network or plan must have a right to a minimum of 51 percent of any distribution of excess revenues. Further, if the non-profit corporation is a membership corporation, the health center(s) must have a minimum of 51 percent of the membership.
- The term "applicant" shall, in this document, refer to either one of the following:
(i) The network or plan acting as the agent for one or more section 330 funded health centers, or
(ii) A section 330 funded health center acting on behalf of itself or on behalf of itself and as the agent of other health centers.
Regardless of which eligibility category the applicant falls under, the network or plan must be owned and controlled by health center(s) (as defined above). The applicant applying for the loan guarantee under this Program must also apply for a loan through a non-Federal lender.
2.D. Pre-Application Guidelines
Pre-applications will be accepted and reviewed on an on-going basis. BPHC requires that a completed pre-application package be submitted prior to the submission of an application package to be considered for a loan guarantee under this Program.
Pre-applications should provide the following:
- Identification of the applicant for a loan guarantee through the Program, including:
- Applicant name and address
- Whether the application is being submitted on behalf of a network or plan
- Whether or not the network or plan is
- Developmental,
- Pre-operational, or
- Operational.
- Brief overview of the proposed use of guaranteed loan proceeds and date funds will be required.
- Letter from network/plan's section 330 health centers expressing an interest in applying for a loan guarantee through the Program.
During the pre-application process, the BPHC confirms the eligibility of the potential applicant. Further, the BPHC uses this opportunity to conduct educational sessions with interested applicants around the following:
- Application process
- Role of lender coordinator
- Health center participation in guarantee
- Estimated timeline for completion and loan closing and
- Fees associated with the application process.
BPHC, in its sole discretion, may determine that a pre-applicant is not ready to submit an application and refer the pre-applicants deemed appropriate for further assistance to designated Federal staff and/or contractors for advice on application preparation and submission. Based on the assessment of the pre-application and considering the advice of the designated parties, if any, the BPHC will provide a written recommendation within 30 days addressing whether the pre-applicant should apply at that time. A favorable Federal response to a pre-application means only that BPHC will consider a formal application from the applicant but in no way should be construed that the applicant will ultimately receive a BPHC loan guarantee.
2.E. Application Guidelines
Application requirements are set forth in Attachment A. BPHC staff will conduct or oversee the application review based upon information supplied in the pre-application and application. As part of the application process, BPHC strongly advises that applicants submit an application as set forth in Attachment A prior to approaching potential lenders for a loan. Attachment A includes an index of items that are to be submitted as part of the application package; a completed application is one that includes all the items requested in this portion of the guidance.
The submission of a completed application allows the BPHC to assess the completeness and readiness of applicants. Upon this assessment, the BPHC will notify applicants that they can begin approaching lenders to secure the necessary loan documents and preliminary proposals. Again, a favorable Federal response means only that BPHC will consider the formal application, but in no way should be construed that the applicant will ultimately receive a BPHC loan guarantee.
In the event of a favorable response by the BPHC, the applicant should begin approaching lenders for financing options. Once an applicant has secured a reasonable loan offer, the applicant MUST submit a preliminary proposal, i.e., a "Letter of Commitment" from the potential lender, as well as loan documents (loan agreement, etc.) to complete the application package and subsequently be considered for a loan guarantee. The preliminary proposal contains the financial terms and conditions from a non-Federal lender regarding willingness to provide financing if a guarantee is granted. The following information must be included in the lender's commitment letter:
- Interest rate, and whether the interest rate is fixed or variable;
- Term of loan;
- Amortization of loan;
- Payment schedule and structure (frequency of payment, level of payment, level principal, interest only period, etc.);
- Loan-to-value requirements (and whether an appraisal will be required);
- Equity requirements;
- Collateral requirements; and,
- Covenants.
To participate in this Program, lenders shall not currently be disbarred/suspended from participation in a Government contract or delinquent in a Government debt. Further, for those lenders not regulated by a Federal financial institutions regulatory agency, financial and capital requirements, including minimum net worth requirements based on business volume, will be evaluated.
Evidence of a commitment from the lender to fulfill the loan contingent upon the issuance of the guarantee must be included in the materials to be submitted to the Bureau. Loan documents are required prior to receipt of a guarantee. The BPHC has developed a standard set of documents both loan and loan guarantee documents that are to be used for the Program (i.e., for network and plan loan/loan guarantees). These documents are available from the Lender Coordinator and/or BPHC.
Upon receipt of a completed application, the BPHC and its agents will engage in a desk review of the materials submitted by applicants. Included in the BPHC's due diligence process is a programmatic review and fiscal (financial and business) review. The due diligence review process for this Program includes an examination of the following: the network or plan's overall business plan and financial status; network/plan viability; organizational capacity; effectiveness in response to the marketplace; needs assessment; and evidence of assurance of repayment. Typically, additional information is gained through conference calls with the BPHC, the applicant and other stakeholders as appropriate. Once the BPHC is confident that the applicant can proceed, a site visit will be arranged. See Evaluation Criteria section below.
Once Bureau staff and/or the designated Federal contractor(s) have conducted the due diligence review and site visit, and upon receipt of an approved Letter of Commitment from a lender, BPHC staff will determine whether to submit the application to the Loan Guarantee Review Committee (the "Committee") for consideration. The BPHC reserves the right, not to submit an application to the Committee.
It is anticipated that approximately 60 to 180 days will be needed to adequately process an application that has been deemed complete prior to a Committee meeting, keeping in mind that an acceptable Letter of Commitment from a lender must have been received by the BPHC. It is anticipated that the Committee will meet on a regular basis to consider those applications determined acceptable for final consideration by the Committee, however, the schedule will be adjusted to correspond to the actual demand for the Program. The Committee will make recommendations for applicant denial or approval to the BPHC Director.
2.F. Evaluation Criteria for Applicants
In addition to meeting the eligibility requirements as stated above and the information requested for the pre-application and application, applicants will be evaluated against the following criteria.
Network/Plan Viability. Evaluation of whether the network or plan described in the application has a financially viable and feasible business plan, including a review of:
- A forecast of the network or plan's financial ability to pursue and maintain equity;
- An analysis of the health centers' and non-health center collaborators' other contributions to the network or plan; and,
- An appraisal of the adequacy of projected revenue streams to meet future operating expenses (including debt service).
- Organizational Capacity. Evaluation of the demonstrated (or proposed, as applicable) capability of the network or plan, i.e.,
- Qualifications and track record of professional (e.g., administrative) staff and/or management services organization;
- Information systems capacity;
- Medical management capabilities (including qualifications and track record of clinical staff);
- Quality assurance programs;
- Membership growth and retention plans; and,
- Overall viability of the venture proposed.
- Appropriateness to the Marketplace.
- Evaluation of the extent to which the applicant demonstrates tangible, short-term, and long-term benefits to its collaborators and to the medically underserved populations it serves; and
- Extent to which the applicant will strengthen or enhance the presence of health centers in the State and/or local marketplace.
- Need for Loan Guarantee. Demonstration that the loan would not be available on reasonable terms and conditions without the guarantee.
- Assurance of Repayment. Evaluation of the applicant's means for assuring the loan will be repaid within a specified time frame, including whether the applicant is offering reasonable security (applicants are not required to offer as security any asset that is, or may be, needed by the health center or centers involved to provide health services). Repayment will be structured in such a way as to protect the financial interests of the United States.
2.G. Submission Instructions
Additional copies of this guidance can be accessed by visiting the HRSA Web site.
Pre-applications, applications, and requested attachments MUST be typed single-spaced in standard size black type (not to exceed 15 characters per inch) on only one side of each 8 ½ x 11 page that can be photocopied. Each page must be numbered consecutively with conventional border margins. Applicants must submit the original (signature) and two copies of the pre-application/application. Pre-application and application materials should be mailed to:
Bureau of Primary Health Care
ATTN: Managed Care Loan Guarantee Program
5600 Fishers Lane, Mail Stop 17C-26
Rockville, MD 20852
Applicants should address any questions related to this guidance to Marie M. Legaspi either by phone at (301) 594-4319 or by email at firstname.lastname@example.com.
2.H. Working with Others During Application Preparation
During development of applications for the loan guarantee program, applicants are encouraged to work closely with the appropriate Primary Care Association. Applicants are also encouraged to take advantage of relevant technical assistance available through designated Federal contractors and other BPHC/HRSA supported assistance programs. Technical assistance specific to a particular loan guarantee request may be advised by BPHC in response to a pre-application or application.
III. Program Parameters and Related Conditions3.A. Conventional Guarantee
The Loan Guarantee is structured as a conventional guarantee. The conventional guarantee, also known as a straight form of credit enhancement, is structured such that when a lender puts the guarantee demand to the BPHC (i.e., in the event of a default), the BPHC must pay the amount of the guarantee demand, or the guarantee amount, to the lender. The guarantee amount paid by the BPHC to a participating lender should equal the outstanding principal balance of a loan multiplied by the guarantee percentage (up to 90 percent).
The section 330 funded health centers and the network/plan are required to be co-borrowers of the loan, and the health centers will be required to execute the loan documents. All members of the network/plan (including section 330 funded and non-330 funded entities) will have liability for repayment of any and all amounts payable to the lender in connection with the loan, and this liability shall be with full recourse to the network/plan and its assets. Each health center's liability for repayment of the loan shall be limited to a percentage of the total loan that is equal to the percentage of each health center's ownership interest in the network/plan. The guarantee may be secured by other section 330 health center assets that are not used to directly deliver health care. The BPHC will evaluate network/plan statutory or contractual limits/ requirements on pledging assets (e.g., the Medicaid program).
3.B. Lender Coordinator
One of the major components of the Program is the Lender Coordinator. As a result of an open selection process, the National Cooperative Bank (NCB) was chosen as Lender Coordinator for the Program. The Lender Coordinator's key roles and responsibilities include, but are not limited to, the following:
- Establishing a pool large enough to supply lending capital for loans guaranteed by the Program by soliciting other lending institutions;
- Serving as a liaison between Program staff, potential lenders and borrowers;
- Reviewing all lenders under the Program; and
- Assisting the BPHC in monitoring loan performance.
3.C. Origination Fee
The Bureau has the authority to collect a loan origination fee equal to one percent (1%) of the total amount of the loan to be guaranteed under this Program. The origination fee consists of the commitment fee and the loan-closing fee. Once a network or plan is selected to receive a loan guarantee, BPHC will issue a letter stating the terms and conditions of the loan guarantee commitment. Should the applicant wish to proceed, both the network or plan's executive director and Board chair must sign an acceptance letter. This letter must then be submitted to BPHC along with the commitment fee.
Due upon acceptance of the loan guarantee commitment is 50 percent of the origination fee (the commitment fee), with the balance due at loan closing (the closing fee). The commitment fee is consideration for the issuance of the loan guarantee commitment by BPHC and the significant costs BPHC has incurred and will incur in preparation for the closing and the financing. The commitment fee is non-refundable, whether or not the financing closes. The Bureau, however, may waive the loan origination fee for an applicant who demonstrates they will be unable to meet the conditions of the loan if the applicant incurs the additional cost of the fee.
3.D. Use of Loan Proceeds
Loan funds guaranteed under this Program may be used for costs which the Secretary determines are necessary to enable a health center or centers to develop, operate, and own networks or plans. In general, loan proceeds potentially may be used for any capital needs of a developing or operational network or plan, including resources for providing health care services, but specifically may not be used for costs related to facility construction, renovation, or modernization.
3.E. Standard Documents
In administering the Program, the BPHC will be using a set of standard documents for network and plan loans including:
- Guarantor Commitment Letter,
- Borrower's Agreement with Guarantor,
- Loan Agreement (with lender),
- Secretary's Certificate, and
- Status Report/Covenant Compliance Worksheet.
It is expected that certain terms and conditions will be unique for each loan or financing transaction. Those terms and conditions can be negotiated while the general structure of the Program and the documents will be standard across all loans guaranteed under the Program.
Outside legal fees and costs incurred in applying for a loan guarantee through this Program will be paid by the applicant, including filing and recording fees, if any.
3.G. Loan Guarantee Monitoring
This Program will include an on-going review and monitoring function by the Bureau after the loan and the loan guarantee are made. Information will be compiled on the borrower's operational and loan data to be reported to the BPHC on a regular basis. It is anticipated that borrowers under this Program will be required to periodically file with the Bureau a statement on the use of the loan proceeds covered by the guarantee. The use of funds should be consistent with the information as set forth in the application package. Any material departure from the approved application information must receive prior Bureau approval.
Further, the BPHC will conduct site visits to review borrower compliance with the terms of the loan guarantee, as well as to carry out programmatic and financial monitoring. Applicants are also reminded that all meetings of the Boards and executive committees of the networks/plans for which loan guarantees are issued shall be open to a representative of the BPHC.
3.H. Step-in Rights
Another major component of the Program is the ability of the BPHC to exercise its step-in rights, or any action(s) that may be necessary to prevent a default on a loan guaranteed through the Program, under such terms as the BPHC shall prescribe. Proposed step-in actions that the BPHC may take include, but are not limited to, the following:
- Access and review of all books and records of the borrower's business operations and/or the financial condition of the borrower;
- Conduct diagnostic reviews of all aspects of the borrower's business operations through its employees and authorized representatives, and formulate and cause the borrower to implement any technical assistance recommendations resulting from any such diagnostic reviews;
- Recommend and cause the borrower to implement changes in key management of the borrower;
- Enter peaceably upon the borrowers premises to effect and carry-out any step-in rights; and
- Any other action required or permitted to be taken to carry out statutory and regulatory mandates with respect to the Program.
Upon receipt from the lender of a default notice, the BPHC shall have thirty (30) days to submit to the lender an action plan that describes in reasonable detail the measures the BPHC intends to exercise (including a description of the allocation of resources, timeframe and personnel involved), as well as any proposed remedial action(s). The BPHC agrees to consult with the lender and to share with the lender any relevant documents and information obtained with respect to the borrower during the preparation and implementation of the action plan, but the lender shall have no right to approve the plan or the BPHC's method of implementing the plan.
3.J. Defaults
The Bureau will require the lender to notify the Bureau in writing prior to initiating any default action on a delinquent loan under this Program. The specific time period to be required for this notification will be addressed in the guarantee agreement document.
A. Applicant and Contact Information
|Legal Name of Applicant:
|Street Address:
|Zip Code:
|Chief Executive Officer:
|Contact Name (if different):
|Amount of Financing:
|Possible use of loan proceeds:
B. Index of Requested Items
The following index lists the documents and references that must be submitted as part of any loan guarantee request. Please number and submit each item consistent with the numbers in the index below.
- Executive Summary: Please provide a brief summary (not to exceed two pages) of the application, noting the network/plan's history, current situation, market position, opportunity, and specific application of loan proceeds. Please refer to Attachment B for guidance on the required elements of an executive summary.
- Business Plan: Applicants to HRSA's Loan Guarantee Program must submit a well-developed business plan. Applicants may use any format but must provide all requested information in a logical and easily understood manner. Please refer to Attachment B for guidance on the required elements of a business plan for the purposes of applying for a health center loan guarantee.
- Copies of the network/plan's Articles of Incorporation, Bylaws, Licensure, etc.
- Listing of Board of Directors for the network/plan, including names, addresses, employer, and position. Identify all board officers.
- Organization chart to include listing/identification of key staff and resumes of management team.
- List of health center(s) that are organizational members of the network/plan. Include the name of the Executive Director/Chief Executive Officer, mailing address, phone, fax, and email.
- Listing or description of key health center providers and network delivery system(s).
- A list and description of the network/plan's current lines of business (credentialing, integrated IS, Medicaid, CHIP, commercial, etc.); for plans,provide information reflecting the date enrollment was initiated and current enrollment.
- A list and description (with copies available on site or at request of the reviewers prior to the site visit)of any agreements for management, claims, or benefit administration services (i.e., prescription drugs, behavioral health, disease management), indicating the date the contract began, renewal dates and enrollment covered.
- Contacts with State Medicaid and Insurance Departments (include name, title, phone, and email), as applicable and available.
- Copies of most recent audited financial statements and management letters.
- Provide financial projections for a minimum of three years from the date of the latest submitted financial statement or from the date of anticipated start-up. Provide the assumptions around the major revenue items and for major administrative and expense trends. Extend projections to and just beyond a break-even point.
- Describe how the applicant expects to repay the monies borrowed under this loan guarantee program. Give a possible repayment schedule and timetable for the proposed loan.
- Letter of Commitment from Lender.
- Additional background on organizational and corporate relationships (Exhibit 1).
- Certification by authorized official (Exhibit 2).
A. Information on Business Organization and Corporate Relationships
- Are you corporately integrated with (e.g., a subsidiary of) any other organization?
If yes, please indicate name, address, type of legal relationship, and nature of integration.
- Are you involved in any joint ventures?
If yes, please indicate names, addresses, and types of legal relationships.
B. Litigation
Are you aware of any litigation pending against the network, plan, or health center(s) that might materially affect the ability to borrow funds or to repay them?
Yes No
If yes, please attach an explanation.
C. Additional Contacts
|Legal Counsel (Firm Name)
|Attorney's Name
Borrower's Accountant
(Contact Name)
|Firm Name
The undersigned hereby represents and certifies to the best of his/her knowledge and belief that the information contained in this application and exhibits or attachments hereto is true and complete and accurately describes the nature of the health center and the proposed project, and agrees to promptly inform the Health Resources and Services Administration's Bureau of Primary Health Care of any relevant changes in the proposed/actual project or the information contained herein.
|Name of Authorizing Official
In compiling the information for the application, please note that the following narrative items must be submitted for the application to be considered eligible and complete.
A. Executive Summary
In general, the executive summary provides a snapshot of the organization and the proposed use for the loan proceeds. It provides a summary of the application and the need for the guaranteed proceeds. The summary (not to exceed two pages) should include
- The network/plan's history,
- Current situation, market position, opportunity, and
- Specific description of how guaranteed proceeds will be applied in support of the network/plan's activities.
B. Business Plan
In general, business plans are written for a variety of purposes and can be directed at several different audiences:
- To carry out specific goals of the organization's strategic plan;
- To provide the Board of Directors, staff, and management with a common road map;
- To attract business partners; and
- To attract additional funding/financial support.
The business plan should provide the following information:
- A brief description of the network/plan's history and operations, including:
- Organizational background and mission
- Strategic direction
- Programs and services
- Review of operations
- A description of network/plan structure, management, and governance, including:
- Summary overview
- Leadership and vision of the network/plan
- Staff experience and qualifications (technical and professional capabilities)
- Summary of key roles and responsibilities
- Profile of network/plan board of directors
- A description of the network/plan's service delivery systems, including:
- Clinical leadership and decision-making
- Care management, including utilization management, quality assurance
- Quality improvement activities
- Health center and provider network overview
- Summary of agreements in support of the network/plan's service delivery system (disease management, claims adjudication, behavioral health, etc.)
- A description of network/plan organizational membership, including:
- Profiles of network/plan members (indicate if health center)
- Aggregate summary of strengths and weaknesses
- Relationship with other networks/plans and safety net providers
- A description and an analysis of the market, including:
- Summary overview
- Market characteristics
- Competitive analysis
- Provider trends for managed care
- Proposed marketing and outreach activities
- A description of how funds will be used
- A rationale and description for loan guarantee
- Proposed application of guaranteed funds
- A description of the network/plan's financial operations
- Overview of financial condition
- Historical financial performance and condition
- Projected financial performance
- Underlying assumptions
"Health Services Delivery Assets" shall mean:
- Any asset subject to a Federal reversionary interest prior to receipt of a loan guaranteed by the Health Resources and Services Administration ("HRSA").
- Any asset taken as security by a Federal or non-Federal lender or guarantor.
- Any asset acquired subsequent to receipt of a loan guaranteed by HRSA that meets the definition of a Health Service Delivery Asset, as herein provided.
- Any asset used in the scope of any section 330 project (as hereinafter defined).
- Any asset used for the provision of Health Services (as hereinafter defined) outside the scope of any section 330 project.
- Any asset that is used in whole or in part for, or is strategically or operationally planned to be used in whole or in part for, the provision of health services in and/or outside the scope of any section 330 project.
- Any revenue generated from any asset when such asset is used for, or is strategically or operationally planned to be used for, the provision of health services in and/or outside the scope of any section 330 project.
- Any revenue (regardless of its source) used for, or strategically or operationally planned to be used for, the provision of health services in and/or outside the scope of any section 330 project.


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