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Asia Leads in Luxury Retail
- Details
- Tuesday, 10 May 2016 11:12
A new report from global real estate services firm JLL, reveals that seven of the ten most attractive cities for luxury retail are now in Asia Pacific. So who are the winners?
The dominance of Asian cities in the index highlights the attractiveness of the region to retailers, thanks to its expanding middle classes and increasing levels of affluence and higher disposable income.
The «Destination Retail 2016» report for the first time provides a global ranking of cities by their appeal to cross-border retailers. Hong Kong is second only to London in its popularity. Also among the top 10 are Tokyo, Shanghai, Singapore, Beijing, Osaka and Taipei.
Corruption Crackdown
«Hong Kong remains Asia's leading luxury shopping destination with many retailers using it as a springboard for expansion into Mainland China," "While there has been a noticeable slowdown in luxury sales in the city due to China's slowing economy and the government's anti-corruption crackdown, Hong Kong continues to attract many high-spending Chinese tourists.,» said James Assersohn, Director of Retail for Asia Pacific, JLL.
Continued Asia Growth
Performance of the highly strung luxury sector will depend not only on economic growth, but on factors such as volume of travel and increase in the number of high income households.
As such, the strong growth in high income households forecast in Asian cities in the next 15 years should mean that Asia remains at the forefront of luxury spend growth.
Top 10 Global Cross Border Luxury Retailer Attractiveness Index 2016:
1 London
2 Hong Kong
3 Paris
4 Tokyo
5 New York
6 Shanghai
7= Singapore
9 Beijing
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Ma'yan Journey - Winter 2001
Ma'yan, Winter 2001
Topic: Gender, Feminism, Orthodox Judaism, Women
Name of Publication: Ma'yan Journey
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Language: English
Copyright Holder: Publisher
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Ma'yan Journey - Winter 2001. Ma'yan Journey. Ma'yan. Winter 2001: http://www.bjpa.org/Publications/details.cfm?PublicationID=15206
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|Property type
|Minimum Stay
|7 nights
Your booking will be backed by our Book with Confidence Guarantee when you complete your reservation online and finalise payment on HomeAway.Learn more
Outside Description:
Child friendly, modern terraced house, 3 storeys, semi-detached. Outside the resort, 2 km from the centre of Sant Vicenc de Montalt, in a quiet position, 650 m from the sea, 650 m from the beach. Private: property (fenced), garden with swimming pool (4 x 2 m, depth 175 - 175 cm, 01.01.-31.12.). Outdoor shower, barbecue, public parking on the road. Supermarket, restaurant 600 m, railway station Caldes d Estrach 2 km. Sports harbour 4 km, golf course 3 km. Nearby attractions: Barcelona 35 km, Costa Brava 33 km. Groups of teenagers on request only.
Inside Description:
5-room terraced house 170 m2, spacious and bright, comfortable furnishings: living/dining room with TV. Exit to the garden. Kitchen (oven, dishwasher, 4 ceramic glass hob hotplates, microwave, freezer, electric coffee machine) with dining table, TV. Sep. WC. Upper floor: 1 room with 1 double bed and bath/WC. Exit to the balcony. 1 room with 1 double bed. 1 room with 1 double bed. Bath/WC. 2nd upper floor: living room with 1 double sofabed. Exit to the terrace. Terrace furniture, deck chairs (2). Facilities: washing machine. Internet (WiFi). Suitable for families.
General Information:
bath / golfing / fenced / garden / balcony / bbq / dishwasher / pool / poolprivat / tv / washingmachine / internet / wlan / freezer / microwave / oven / terrace
*Plus compulsory or optional charges based on actual occupancy or consumption. The payment has to be made in the currency offered by the property manager, before use of conversion tool. Payments in other currencies have to be negotiated beforehand with the property manager. The currency conversion tool is provided for your convenience only and is non-binding.


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Archive for the tag Media
AAP has a grassroots approach, and it was easy for us to presume that the manifesto would stand up to our confidence in them.
Letter To AAP : Where Are The LGBTQ Aadmi In Your Manifesto?
My name is Kanishka Chaudhry and I am a member of your party.
Boycott Firefox, Shall we?
When the company allegedly believes in equality, but has a CEO that doesn't, isn't it really strange?
Movie Review : Call Me Kuchu
Call Me Kuchu is powerful, poignant commentary, not just on the situation in Uganda, but on what it means to be queer and brave.
The Best Gay Song Possible
It's amazing how homophobes are now claiming to be victims of homophobia!
Watch What Happens When Queers Takeover Mumbai : Happy In Gaysi Land
In our perpetual state of delusional happiness we at Gaysi set out on an adventure to create a video: "Happy In Gaysi Land".
This Republic Day Watch Our Animated Anti-377 Dream!
On 26th January, 2014 - Gaysi Productions brings to you our animated take on the freedom of the past.
Come See Dedh Ishqiya This Mumbai Pride With Madhuri Dixit Herself!
Whoop Whoop! Have we got news for you! The production house, Shemaroo reached out to The Humsafar Trust and together they are presenting a ridiculously amazing movie screening.... with wait for it... wait for it...
Grammys 2014 Celebrate Same-Sex Love With Music, Marriage & Madonna
You heard about this. The Grammys 2014.
More From The Harish Iyer Vlog: The Hiyer Life
This week we bring to you another 5 videos that ring in the New Year and Mumbai Pride Month!
377 Postcard Campaign: Tell the Supreme Court Yourself!
In the aftermath of the 377 ruling, you can how tell the Supreme Court who you are and what you think of Section 377 directly via postcard.
On Hearing About The Latest Petition in Supreme Court [377]
LGBT Dignity, The Way Forward [377]
Habitat World in collaboration with Naz Foundation convenes a panel discussion to strategize on the way ahead.
6 Ways 2014 Could Become A Gay Gay Year
Happy New Year, Everyone!! Today we bring you hope of a wild, wacky, cray cray and very gay new year to look forward to in 2014.
Pep Talk For Shri Shri Ravi Shankar
You are the only one who has said out loud "Homosexuality is not a crime". But I'm wondering why you said what you said in this particular instance!
Video BLog: Harish Iyer Talk It Up On The Hiyer Life
Harish recently started a video blog called The Hiyer Life and with his blessings, we share it with you on Gaysi because its kinda sorta hilarious and its like the tiny snippet you may need from your best gay friend in your corner to get through your day.
'The right time for an idea' hasn't come yet? Here's why [377]
A lot can be done, Mr Subramanian – Instead, you choose to sit on the sidelines and just ask for us to 'wait for the right time to come'.
All India Bakchod & Imran Khan Take On "Gay"Giri !
AIB together with a host of collaborators including your very own Gaysi Family presents a most brilliant satirical take on the commonsensical (NOT) questions about Homosexuality fielded by none other than Imran Khan.
SC's verdict on IPC 377: What's Happening Around [UPDATES]
This post tracks all the events, happenings online, offline around the world in response, in reaction, in anger - So you can stay on top of what's going on.
Global Day Of Rage : 15th December, 2013. WorldWide.
This Global Day of Rage is being organised by queer Indians, the queer India diaspora, queer people of all countries, our supporters, relatives and friends.


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due to the cost of renting on my own I would like to connect with other like-minded souls who wish to team up to start searching for and sharing a dual Living rental house with enough space for alone time. About me ; Friendly considerate eco conscious healthy living and love to grow my own vege and herbs. Semi retired but keeps active within community in volunteer roles. Loves nature live music and animals and riding my push bike in nature. Enjoys living in peaceful harmonious environment sharing an occasional meal prefer pet friendly place as I plan to rehome a rescue dog. Open to ALL other areas On the coast and hinterland
Respectful, love a chat, energy, tidy, clean, laugh😂, MUSIC (👌🏻 I have bluetooth earphones). Gardening. Music & Gardening..!! Tasty, yummy food. Reliable & adventurous. No ! Actually. More like spontaneous. Real, but not always realistic. Can be worrisome, but positive mostly Hmm...quirky.😜. I love animals & in particular my much loved cat I have a very special bond with must so please must LOVE CATS or at least like. If you have a dog that's fine too.(depend on breed). Xena is 8yrs old & Xena WP❣'s me. We've been apart since April. I need her. I'm a Sales & Marketing Rep for a family owned, locally made food product made right here on the Sunshine Coast. I enjoy my work😊too.
I'm a chilled out guy that mostly sleeps a lot and has a job that can pay your rent 👍🏾🍉 But also love to have hangs and adventure time a day away. All you have to do is ask 😁
Family - professional couple with one 11 year old child who is mature for age and very polite. We are needing accomodation for 1 to 3 months until we find permanent accomodation on the Sunshine Coast. We are currently camping out in the hinterland, and are driving 1 hour to work every morning. We lived for 4 years on the Sunshine Coast and have excellent references - we were on the move up north, when an irresistable job offer came through, which saw us changing plans and having to return to the coast. We are very easy to get along with, non smokers and very neat and tidy,
Hi, I have been house sitting on the Sunshine Coast for the past eight months but now that my husband has sold our house in Canberra and is heading up here it's time to get real and find a more steady base while we start to look around for our own house to buy in the beautiful Sunshine Coast Hinterland. I am a 47yo self funded early retiree and my husband is a 53yo almost retired maths teacher. We will be out most days looking at properties. My parents also live in Caloundra so will be spending time with them. We require a clean home with our own private bathroom, as our furniture will be in storage we will also require bedroom furniture and a good mattress will be appreciated. My husband is really tall so we need at least a queen size bed. We are honest, respectable, clean and positive people who won't get in your way or cause a fuss. I also have a current police check that I needed for house sitting and my husband also has a current Working With Vulnerable People card. I also have current house sitting references. We also have an adorable well trained and fabulous little Italian Grey Hound Jack Russell x (small dog) who we will try and take with us when we go out but if we need to keep her at home we will require a secure and safe yard for her to hang out in, she is 8 years old and will only bark if someone she does not know approaches your house. Callie is truly fabulous and my soul mate so she needs to come with us. If you are not a dog person (how can that be??) she will change your mind :-) If you think that we may suit please send me an email and I can answer any further questions that you may have. YAY Sunshine Coast, it's just so awesome up here!!!XX Shelley
Honest, clean,tidy,reliable non smoker,no drugs, quiet, friendly
Paying rent on time Easy to get along with Respect others Clean
Iam decent, respectable, , no drugs, like things to be very clean & tidy. Like to chill out on my days off & relax at the beach .
Hi, I'm a relaxed, healthy and environmentally conscious person with a keen interest in nutrition, philosophy, and writing. I'm looking for a quiet and tidy home for at least six months, with similar minded people. I'm respectful, clean and tidy, drug free(but I don't have a problem with those who enjoy relaxing at 4:20), and comfortable with a social drink, and I love a good open discussion. After living in Sydney and Brisbane for several years, I've left the hustle and bustle of city life, and returned to the Coast where I grew up. I'm now focused on writing a novel over the next six months and see where that takes me. If you think we'd get along and have a room available, please get in touch.
I am a 24yo male, currently studying and working part-time, I am half way through a bachelors of paramedicine. I am easy going and not a big party person, I clean up after myself and have my own transport. I am looking to move into a place before 29th of November.
Easy going and clean. Working full time, will generally only be staying from Mon-Fri as I travel back home to Brisbane every weekend. Can provide both employment and rental references. Unlimited internet would be preferred and off street parking. I am a smoker but only outside. My max budget since I will still be renting in Brisbane is $180, please do not contact me if the room is above this budget. Thanks. :).
I'm friendly energetic person with a 1and a half year old red nose pitt bull cross mastive,his name is hunter.im a gamer and a worker looking for a place suitable for the 2 of us.
reliable with paying rent , clean and respectful. Very easy to get along with. i have an 8 year old child.
Hi! I'm really nice (or so I've been told), I'm clean and not much of partier. I'm a full time uni student that loves all things ancient history, animals and nature. I'm generally up for an adventure and have no issues living with either sex. I've travelled all around Australia and I love to read and bake. I like to watch movies and take long strolls on the beach haha jk though not really but this sounds so much like a dating profile :D Oh and my preferred length of stay can be over 6 months I was just forced to choose a stay time. Also the jan move in date is just there because it had to be as well haha I would be willing to move in before that :D -Isabella
I am quiet, keep to myself mostly (but I enjoy hanging out here and there), I'm very neat, studying (fashion) 3 days a week at Tafe and a couple of days a week at home.. I love animals; cats, dogs, birds, snakes. I don't party, I drink maybe 2-3 times a year and enjoy an active lifestyle. I try to eat organic where I can, meditate when I'm able and would love to take up yoga. I've lived on the coast for 11 years now!
I am very independent, I have my own car and my own furniture. My life revolves around being healthy and happy. I have one female dog, Lillie who is a Westie. I am into eating a mainly raw vegan diet and doing tai chi. I enjoy gardening, growing my own fruit and vegetables.
Im a 40yr old single gay guy, Im not a party animal by any means, enjoy the odd night out. Im VERY clean and house proud. Enjoy cooking and socialising and a glass of wine with dinner. I have a 7yr old Jack Russell who is housetrained and very quite, he gets on well with other dogs
I'm a very clean and house proud guy I'm a TAFE student and looking for work, I like a laugh and a stress free life My pup is housetrained
Hi I really would like to team up with someone as I have all the furniture for a house or take over a lease. A Little about me is that I am Respectable, honest, reliable, fun, clean, good cook. I have rented here at Redcliffe for 20 years in the same house but it is time to move closer to my parents as they need more help these days. If I am to go into a home share my limit would be $190 per week as I have storage cost per week unless you have a single size garage I can put it in. I do have a small well behaved 2 yrs old house trained dog who goes everywhere almost with me. I am power and water concervative. I am currently doing courses online for a career change. I was a hairdresser since 17. I do not smoke do drugs or party. It will just be myself and my dog moving. I have awesome references & a police check certificate. Looking forward to hearing from you soon.
I'm a project manager for a web agency, a manager of a restaurant and a theatre technician. I work from home, so I'm around the house during the day, but usually out at one of my other jobs of a night. My cat's a purebred Egyptian Mau, and is absolutely gorgeous (objectively speaking). I'm cruisy and easy to get along with, and happy to do jobs around the house (because I'm around during the day). I'm clean, tidy and organised. I need to be with how busy I can be! I've also got a fridge and washing machine to contribute to the picture.
- Always tidy up after myself - I have a 2 year old dog called Nala - I study full time at USC
G'day, Looking to team up and find a nice big house on land with a pool.. I have a 10 yr old girl that stays weekends and half holidays and a female American staffy.. I work full time weather at home or on site. Have quite the sense of humor and get along well with most people.. I am house hunting now and it would be awesome to find someone to put in for the ideal property..If this sounds like you please call or message.... Gav
We (as in myself, my son and puppy) are easy going and very respectful of others. Like to be neat and tidy and mostly enjoy being outdoors. We love dogs and having fun.
Looking to move in; in the week beginning 22nd January 2017 - but the early bird gets the worm! I am the perfect house-mate - quiet, easy-going, clean, non-smoker, no pets, a great sense of humour and never been late on rent - I am no hassle. I am looking for a quiet, respectful, no drama household where I can finish my Social work degree and work my 3 jobs. I keep to myself and spend majority of my time in my bedroom either watching movies or doing assessments. Have to's: Clean house-mates that are respectful and internet access with decent downloads Bonus: own bathroom and garage spot for my little baby - Grace (my car hah) Would love to hear from you; feel free to stalk me on Facebook - I'm easy to find! Japhia
Myself and my partner are looking for a place to call home for a few months, inbetween builds and have a pooch family to take care of... 2 pups and ourselves, beagel and a pomeranian.... Welcoming meets and happy to see the properties
Love playing music Jamming Singing Painting Philosophising and getting real Energy vibes
Im looking for a studio apartment/ 1 bedroom flat :)
I'm easy going, friendly and clean. I work fulltime
Im clean, respectful and active. A little bit funny but no comedian. Love surfing, moto-x, wakeboarding and various other sports. Working fulltime on fly in fly out or local depending on company's contracts.
Looking for a relaxed easy going environment with like minded people who don't mind throwing back a few bevvies
My partner Elly and I are looking for a place to live where my dog would be welcome and with space for a small boat. Elly works FIFO as a fauna spotter so is away a lot of the time. I work in environmental restoration aorubd the Sunshine coast. We're a friendly, quiet couple who love the outdoors.
I am a single mother of one 4 month old bub. We are a fun little Duo and are very low maintenance. We'd be a lovely, friendly and fresh addition to your home! We are looking for a place with our own bathroom and a little bit of space for when bub gets crawling, a granny flat would suit us even better! I am a full time mum and I am 100% devoted to my job, so no messy late nights or irresponsibility on my part ♡ please contact only if you think we would suit you ♡
We have a Belgium shepherd puppy who has been to puppy school and is very well behaved as well as a fully toilet trained young kitten who sleeps all day on our bed. My boyfriend works as a full time bricklayer and I'm a casual beefys employee which meansI can bring home whatever you want 😊we are happy to pay extra for being a couple. We are both very clean, outgoing people that always pay rent on time.
I'm clean, cook and enjoy meeting new people. Happy to help out, honest,trustworthy and have a great soh. I split up with a girl in nowra, so that is how I ended up moving here. I'm trying to get back on my feet,and make some new friends
I'm an honest loyal person, I have a great work ethic, I always pay my rent on time and I love a clean and tidy environment. I have a great sense of humor and I'm also a chef so I love to cook! I grew up here on the Sunshine Coast, have worked at the Boatshed for over six years and i am currently working at Orleans in Maroochydore. On my days off I love to skate.
I am 20 years old and looking for a place on the Sunshine Coast to call home! I will be working full-time at a Real Estate Agency in Maroochydore, so you will have the house to yourself majority of the day :) I have 2 small Maltese dogs that are well-behaved and great with other animals. Easy-going, very clean and enjoy living a healthy/active lifestyle.
I am clean, quiet and easygoing.
I'm a 25 year old female. I'm seeking a home for myself and my friendly 1 year old Staffy. I work full time, love the beach and cooking and the occasional drink. Im very tidy, organised and dislike mess. I wouldn't be around every night as would alternate nights at my partners place.
I am a huge fan of being organised and love having a clean environment around me. I love to be around people, but also love my own space, and I respect that of others as well. I love the fitness and outdoors, and will always be looking for an adventure. I am a vegetarian and am working as a dietitian in a contracted position. Living on the Sunny Coast now, but will be looking for a place to live from January 2017.
I'm studying and live very quietly. I only need 4 nights accommodation Monday to Thursday night inclusive. I live mainly in Brisbane and go to Maroochydore airport to complete my final accreditation as a pilot until August or September 2017. So I only come to the area from Monday to Friday. I'd love to find a room/share place asap, thanks.
Keep to myself, barely ever home, quiet, tidy and sociable at times.
I'm down to earth, respectful and clean. I enjoy doing my own thing and also like to socialise. Healthy lifestyle. Enjoy playing guitar, skating, beach. I have a 2 year old dog who's a kelpie cross boardie collie who is very cute and well behaved.
Im easy going, respectful, dont party (dont mind a drink or two on the weekends) pay rent on time, love happy easy healtht lifestyle. I am currently studying a diploma in counselling as i have a real passion for that career choice and beginning work with the new coles within the next few weeks. I look forward to hearing from you should i be suitable for a room with you. Thanks
Hello:) I am 43, enjoy meditation, surfing, yoga and humour. I recently completed a Vipassana 10 day silent meditation retreat in Pomona. I practice meditation daily and i like to live in the moment. I don't really do tv but love to watch a movie. I am house proud and clean up after myself. I am currently on hols and return to work in the new year. Thank you for considering my expression of interest re/ renting a room
Hey there future housemate/s! My name is Luke and I'm a laid back, friendly 22 year old dude studying a Bachelor of Nursing Science at USC and working part time at The Athlete's Foot at the Sunshine Plaza. I'm a gelled combination of both ambitious, motivatedness and chilled out placidness. So when I'm not working or studying, I'll be a happy go lucky, sociable flat mate, hoping to have a beverage or two with you and chill out. Looking to move closer to the coast for uni and work. I love to cook and do Jamie Oliver impersonations while doing so. I keep fit playing sport, working out and swimming at the beach so I do like to get out of the house. I'm a clean and organised bloke and am always happy to chip in around the household and do my part. I have a fair bit of experience in trade work and have some of my own tools, so when there's ever something broken, I often turn into Mr. Fix It. And what's the fun in sharing a house if you can't make some new friends?! I get along with everyone, no matter the age. Looking for either an established house hold who are looking for an extra person, or awesome individuals, guy and gals (including couples), who'd like to start their own flat mate family. Swing me a message! :) Hope to hear from you!
Just looking for somewhere to stay while I find work. Uncomfortable with sharing details openly so feel free to message for details of current situation
Hi, my name is Kiara. I am 18 and going into my second year studying law at USC. I'm a tidy person that is easy to get along with and doesn't mind a chat. I don't mind going out occasionally with friends, but am not looking for a party house. I respect others space and am pretty laid back.
Hi , i'm paul , like to live a active a healthy lifestyle ,very tidy around the house and allways cleanup after myself . i work fulltime in aviation at caloundra .. if there anything u'd like to know feel free to ask , cheers
Hey guys, my Hallie I am currently living in the US! I'm planning on heading back out to the Sunshine Coast in the middle of October and looking for an apartment to rent for a few months! My best friend and I are actually traveling together so we were looking for one room to split. Would you be willing to take on two people in one room! We will be out most of the day for training at the surf club, but are great cooks and are willing to clean!? We are both members of the United States world lifesaving team and we were both just out in maroochydore last year from September to April for training so we're familiar with the area! if there's no other interests already it would be great to hear from you!
Easy to get along with and clean up after myself. Would like to make new friends :) to share with females in their early 20's preferably furnished
Laid back 22 year old looking for a place to call home. Born and raised in Brisbane, looking for work as a Cardiac Scientist however, predominantly work in the Aquatic Industry as a Learn to Swim Instructor. Love being social so am eager to be in a house where common areas are a place to hang out together. However, understand personal space and enjoy the odd time alone to myself to read a good book and unwind with a glass of wine after a long day. Love going out to have a drink with friends on the weekends but not a late night partier. Love my swimming, surfing and gym and am always looking for a fitness buddy. I love AFL and enjoy getting to as many local games as I can per season as well as finding a local club to play in. Adore dogs! Grew up with them as a kid so more than happy to live with one as well as help walk and play with.
We are a relaxed and responsible couple from Germany. We love to cook and prepare dinner for friends, know how to run a household regarding cleaning and responsibilities. We like to spend time with flatmates and to go out, but we also appreciate relaxed evenings and to enjoy the nature. Kristina is working as a nurse in Germany. Adrian was working as an Asset Manager and is now studying for his Master Degree.
I'm easy going, friendly, reliable, honest, considerate, relaxed, open minded and free spirited. I'm a self employed massage therapist and spiritual healer operating a successful business in Buderim. I love the Sunshine Coast lifestyle..the beaches, forests, mountains. Looking for a relaxed place for me and my well behaved jack russell (small dog) to call home.
Well I enjoy all the good things in life, good wine, friends and company. Also I work in IT so I don't have any issues helping on any technical issues :D
I am CLEAN, easy to get along with, only home every second week (6 months a year) layed back, respectful, friendly and social , I am from Mackay but have to relocate for work as I FIFO from Brisbane to caval ridge mine, my roster is 7 on 7 off, I have an English staffy CLEO who is 4 years old and well trained, does not bark at all, dig, chew or any of those behaviours, I would have her looked after or organise care for her whilst I'm on days on.
Hi my names Frankie towers. iv recently moved to the Coast working full time as a concreter and are preferably looking to move into a quiet share house I work Long hours so I'm not often home during the week. Looking too move asap as I'm living in a holiday house in kawana and the home owner will be back this weekend
I am a very tidy, clean living young 70's. Like to read and enjoy movies also like to walk and enjoy travelling.


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On March 3, 2016, Keurig Green Mountain, Inc. (Keurig) and JAB Holding Company (JAB) announced the successful completion of the acquisition of Keurig by a JAB-led investor group for $92.00 per share in cash. The transaction was approved by Keurig's stockholders at a special meeting of stockholders held on February 24, 2016. As a result of the completion of the acquisition, Keurig's common stock ceased trading on The NASDAQ Global Select Market before the opening of the market on March 3, 2016.
For more information, please see a letter from our leadership at KeurigGreenMountain.com/OurNextChapter, or view the press release here.
Former Shareholder Inquiries:
If you were a stockholder of record of Keurig prior to the acquisition and have an inquiry, please contact:
Continental Stock Transfer & Trust Company
17 Battery Place
New York, NY 10004
(212) 509-4000
If prior to the acquisition you held shares of Keurig common stock in "street name" (i.e. you held your shares in the name of a bank, broker, trust, or other nominee), please contact that bank, broker, trust or other nominee with any inquiries.
Press Releases
Nov 17, 2016
Keurig Debuts Coffee Subscription Program in Time for the Holidays
WATERBURY, Vt.--(BUSINESS WIRE)--What could be better than having great coffee delivered...
Nov 15, 2016
Keurig Wins Reviewed.com Best of Year Award


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Welcome to our on line gallery.
The art work on this site may be purchased. Some have been sold and are marked as such.
All images on the site are copyrighted by the artist and all rights apply.
GRANT Paint, with an emphasis
on wildlife and the places they inhibit, has been the focus of Mimi Grant's art world. Using the mediums of oil and scratchboard,
she feels these convey her feelings about nature
and nature's children. Beginning with the CM Russell Art Auction
in 1978, Mimi has been able to display her art in many different shows. These include the Easton Waterfowl Festival in Maryland,
the Southeastern Wildlife Expo in Charleston, SC,
the Orlando Wildlife Expo in Orlando, FL, and the Pacific Rim Wildlife Art Show in Seattle, WA. She was honored to have a
sold out show at the Stampede Western Invitational Art Exhibition in Greeley, CO. At the Stampede in 2010, her painting "End
of a Hard Day" was selected for the Purchase Award. She has also participated in the "Cowgirl Up" Show at the
Desert Caballeros Western Museum in Wickenberg, AZ. Mimi was also chosen for the Top 100 in the Paint The Parks Contest in
2011 sponsored by Paint America.
International Society of Scratchboard Artist has accepted Mimi as a signature member. She also was voted into the Montana
Painters Alliance. Her newest challenge is being on the Board of Directors of the Out West Art Show in Great Falls, MT. Mimi
along with her husband, Don, help run the Young Master Art Program that is part of the Out West Art Show.Mimi Grant's painting can be found in many galleries through out the Northwest.
These include the Glass Art Shop in Great Falls, MT. the Creighton Block Gallery in Big Sky, MT and the John L Clarke Gallery
in E Glacier Park, MT.


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Flowers left for
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I'd leave a candle burning for you...but then you'd be so upset with me!!!! I miss you so much love.
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Home Quality, Risk & Safety Quality, Risk & Safety Careers in West
Quality, Risk & Safety Jobs in West
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Your role includes having to develop and implement workplace safety initiatives, set and enforce safety standards, conduct safety audits as well as review of... more


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News reports had hinted that the deal could get delayed until August 2013. The Jet stock had been rallying ever since reports of the deal with Etihad surfaced.
However, there have been some reservations reported by Etihad. The deal if goes through would help infuse the much needed funds for Jet Airways, which is saddled with huge debts on its books.


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Event: Actress Mallika Sherawat at the launch of her new TV show The Bachelorette India - Mere Khayalon Ki Mallika at Hotel JW Marriott in Juhu, Mumbai. 'The Bachelorette India- Mere Khayalon Ki Mallika' is the Indian version of the American competitive reality dating game show 'The Bachelor'.
Guest List: Mallika Sherawat
Bollywood actor Salman Khan's girlfriend Iulia Vantur recorded a song for Himesh Reshammiya's album.
Here's have a look how Salman Khan and Shah Rukh Khan made the Grand entry during Star Screen Awards 2016.
Bollywood babes Anushka Sharma, Yami Gautam, Mandira Bedi, Urvashi Rautela, Sana Khan, Bhavna Pandey among others were seen at GQ Awards 2016.
Bollywood celebs Aamir Khan, Anil Kapoor, Hrithik Roshan, Sushant Singh Rajput, Farhan Akhtar, Sooraj Pancholi, Kartik Aryan, Harshvardhan Kapoor, Ayan Mukerji, Kunal Kapoor, Prateik Babbar among othe...
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Excellent city hotel. Close to the city center with easily acessible parking. Room service is perfect. Good fitness area. Good pool/beach service. Popular among couples.
Hotel Types
- Near city centre
- Wonderful sightseeing
- Great shopping
- Good choice for a city trip
Guest Review Highlights
- Great location
- Accessible parking
- Near city centre
- Affordable parking
- Beach nearby
- Wonderful sightseeing
- Quite clean
- Room cleanliness is acceptable
- Clean hotel facilities
- Dirty bathroom


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Stride Floor Lamp
by DZine | Item #: 946494 | Model #: 56009 |
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Holiday in Marche Italy is a perfect combination for a holiday in agriturismo in the ancient region of the Montefeltro family, which ruled on this region during the Middle Age and Renaissance, giving its name to a specific area of Marche. You'll find plenty of villages and towns rich in art and history, among which Urbino (Raffaello's home town) and Recanati (home town of the famous Italian poet Leopardi) should be pointed out.
There are many natural beauties you shouldn't miss out to visit during your holiday in agriturismo in Marche, among which: Frasassi Caves (Grotte di Frasassi), Gran Sasso National Park, Gabicce Mare and San Benedetto del Tronto beaches. But if you are planning a holiday at the sea in Marche, then the beautiful Senigallia beach, in the province of Ancona, is the perfect place to go.
Have a look at villas, B&B, holiday houses and farmhouses sections on Agriturismo.net, read guests comments and reviews on their holidays in agriturismo Marche and check if there is any available offer, special deal or last minute: your vacation will be an unforgettable experience!
Focus on Relax and Wellness
If you're looking for a wellness holiday in Marche Italy, we suggest you visit Fano and Acquasanta natural spa. You may also visit our sections on villa, holiday house and agriturismo with spa special deals to find the solution that most matches your expectations. A turkish bath, a sauna, or a thermal natural mude treatment will help you relax and forget the stress of your daily life: a holiday in Marche Italy will make your dreams come true!
Location: the villa is situated in the heart of the beautiful Marche region of Italy. It is an ideal location for those seeking peace and relaxation.
The farm holidays are situated on a hilly area at about 600 m. above sea level, from the farm center anjoy good panoramic view ofthe surrounding countryside, with typical scattered
Our agriturismo and farm holiday lies in the middle of the Marches region, 15 minutes from the Adriatic sea and the Apennine mountains;
Apartments in Farmhouse Ascoli Piceno
Location: our holiday houses are situated in beautiful open countryside 250 metres above sea-level,only 20 minutes from the beaches of the Adriatic and 35 minutes from the splendid Appenine mountains.
Location: the farmhouse is located in the typical Umbro-Marchigiana countryside, surrounded by the green woods and meadows, and it offers the visitor a splendid panorama that opens
Apartments in Farmhouse Pesaro Urbino
The house is dipped in the soft hills of Macerata and pointed out on the Sibillini Mountains, in a panoramic position at 400 m. of altitude.
Apartments in Farmhouse Macerata
Location: the farmhouse is located in Ortezzano, a little medieval village in the river Aso valley, in Fermo province (formerly Ascoli Piceno province), Le Marche region.
Apartments in Farmhouse Ascoli Piceno
Location: the holiday house is an ancient farmhouse totally renovated. It rises up in the Marches, at Urbania (province of Pesaro Urbino), in one of the most charming valleys in the
Apartments in Villa Pesaro Urbino


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Understanding Your LP47 Notice
We are requesting your assistance in locating a taxpayer that may or may not be currently employed by you.
What you need to do
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Details of this Paper
Research Methods and Statistics for Criminal Justice
?;?;RJS405-1301B-01 Research Methods and Statistics for Criminal Justice;Assignment? Name;Unit 4 Individual Project;Deliverable Length;3?5-page paper;Details;Library Research Assignment;Use the library, Internet, or any other available resources to write a 3?5-page paper that addresses the following questions;Consider the possible stakeholders for your research project.Who are they?;What social, political, or personal factors might influence the direction of your research?;What interest groups would be involved?;What patterns might influence the direction of your research?;What are the possible policy implications of your research?;Provide some examples of policies that might result from your research.;?;Assignment? Name;Unit 5 Individual Project;Deliverable Length;6?8-page proposal;Details;Library Research Assignment;Use the library, Internet, and other available resources to develop a 6?8 page research proposal that includes the following;Introduction to your topic and related issues (variables);Purpose statement;Literature review;Research question and hypothesis;The research methodology to be used;Any questionnaires, interview questions, or research tools that you intend to use;How your results will be measured and analyzed;How your results will be presented
Paper#27613 | Written in 18-Jul-2015Price : $37


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Easy Purpose Driven Promoting
Promoting with a purpose is easy with the Universal Dual USB Car Charger. It can be used as charging and equipped with features like cigarette lighter plug, dual USB port, DC 12-24V input, Output DC 5V - 2.1A / DC 5V - 1A, smart fuse, circuit-breaker protection making it a hot item with your targeted prospects and clients. This will save you time and resources compared to other marketing methods.
Product Detail
|Product Size:
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All of your customers can make well use of the Universal Dual USB Car Charger that is so easy to use and can be used for various purpose such as charging, which makes it a very good promotional item thereby providing marketing exposure to your company name.
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Beautiful log cabin on Rifle River situated on very private setting on 20 acres surrounded by birch, pine and oak trees. Property offers pond loaded with small fish, wandering creek, board walk to river, 200 feet of river front, and a mowed meadow to watch deer and turkeys from the front covered porch. Log cabin is very well maintained, with two covered porches, two bedrooms, one bath, large kitchen, wood burner, knotty pine interior walls, washer & dryer, ceiling fans, fully stocked kitchen with microwave, coffee maker and toaster oven. Come relax with family and friends and enjoy your own private northern Michigan get-away. Sit around the fire and look up and enjoy the show in the sky. Other activities in the area include canoeing the Rifle River which is one of the best canoeing rivers in northern Michigan. Check out Saganing Eagle's Landing Casino only nine miles away. Or if golfing is your thing, check out Huron Breeze and Red Hawk golf courses they are both excellent. The Saginaw bay is only seven miles away and you can drop you boat in the bay and catch walleyes and perch. If you want to hang at the beach for the day, East Tawas State Park is only about 30 minutes away and offers an awesome beach. For more pictures and additional information see our Web site.
State Road
Omer, MI 48749-9747
Driving Directions
Reservations: (810) 225-9095
Phone: (810) 225-9095
Email: email@example.com
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300 N. Washington Sq., Lansing, MI 48913


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Thank you for taking time to stop by. I appreciate your interest in my work as an author, columnist, speaker, and as a person passionate about the preservation of our nation's heritage barns. It is a joy to receive your emails, calls, and book orders.
The Barn Lady
Visit my "columns" page to view several of my articles and columns.
Below is a recent article that appeared in the Battle Creek Enquirer.
Read More Here
American Barns $9.95
($10.55 with tax)
Your price $10.
Limited copies remaining
Read more here.
Common People $14.95
Your price $10
Sold Out
|One book:
|+$3.75 shipping
|Two Books:
|+$5 shipping
Free gift-wrapping. (If books are to be signed, send requested inscription.)
Make checks payable to Jan Corey Arnett.
Send to 2444 Halbert Road, Battle Creek, MI, 49017.


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More Holidays
Feeding a crowd for a special holiday? From New Year's, Valentine's, and St. Patrick's Day to Cinco de Mayo, Mother's Day, Father's Day, and Ramadan, we have the perfect festive recipes to make your holiday special.
How to Make Green Bean Casserole
Remember back when Sunday dinners and holidays just weren't complete without everyone's favorite green bean casserole on the table? We all loved those crunchy fried onions topping the creamy blend of mushroom soup and beans. Learning how to make green bean casserole was a new cook's rite of passage, and this recipe sat in almost everyone's recipe box.
Mozzarella with BasilDiabetic Living
Reinvent this recipe every time you make it by varying the cheese and the herb. Try feta with oregano or dill, or queso fresco with cumin or red pepper flakes.
Dried Fruit CompoteBetter Homes and Gardens
The dried fruit of this recipe recalls ancient times, making it an appropriate dish for a Hanukkah celebration. Due to the dairy products, this will not be Kosher if eaten after a meal containing meat.
Curried Egg SaladBetter Homes and Gardens
Ground curry takes this egg salad from boring to exciting. Serve on hearty whole grain bread.
Couscous with Seven VegetablesBetter Homes and Gardens
This vegetable side dish is served over whole wheat couscous. Regular couscous can also be used.
Green Apple SlawDiabetic Living
Gingered Cranberry SauceDiabetic Living
The perfect side dish to the holiday bird, this maple-syrup-sweetened sauce cooks in less than 15 minutes and can be made several days ahead.
Fourth of July Cherry-Cola CakeBetter Homes and Gardens
This chocolate cake has extra spices that bring out the distinctive cherry cola flavor.
Apple Butter-Banana BreadBetter Homes and Gardens
Instead of serving apple butter on the bread, we put it inside to make this moist delicious quick bread.
Easter Cookie PizzaBetter Homes and Gardens
This extra-easy and super-colorful cookie recipe is a great choice if you want to get kids involved.
How to Prepare Beef Tenderloin
For holidays and special dinners, a meltingly tender beef tenderloin is a real treat for friends and family. It's an expensive cut of meat (the tenderloin is where filet mignon comes from), however, so it's worth learning how to prepare a beef tenderloin properly. Who wants to spend that much money and then overcook it or bring it to the table too rare? With this recipe, you'll have a perfect tenderloin every time.
One-Handed Fried PiesBetter Homes and Gardens
These tidy fruit-filled pastry packets are terrific for any day snacking or dessert. Make ahead and simply reheat for a warm and toasty treat.
Red, White and Blue ParfaitsMidwest Living
Lincoln's LogsBetter Homes and Gardens
Drag a knife blade through the frosting to make these rectangle cookies resemble rough-hewn logs.
How to Smoke a Turkey
If you think Thanksgiving is the only time of year to test your skills at smoking a turkey, think again. This slow-cooking method infuses the meat with a savory and smoky flavor that's as good during the warm spring and summer months as it is during the cool holiday season. Like roasting, smoking uses low, indirect heat. But it's more than just heating--this method actually adds a rich flavor to the meat, which can be influenced by your choice of wood chips, herbs and other flavorings you put directly on the heat source in your smoker. And since the process take several hours, you can make a day out of smoking your turkey. So, break out the Frisbee, lounge in the hammock and soak up the sun and fresh air, while the smoker does all the work.
Cauliflower-Curry LatkesBetter Homes and Gardens
Traditional potato pancakes take on a twist with the addition of cauliflower. Serve these latkes with applesauce.


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Have Experience Working with Web Pages? Use your talent for a great cause!
Cause Areas
WhenIt's flexible! We'll work with your schedule.
WhereThis is a Virtual Opportunity, with no fixed address.
Chester County OIC, a non-profit organization in West Chester, PA is looking for a volunteer to help improve and update its website. We currently use WordPress and would like to add new content and keep it up-to-date with current events. Hours are very flexible and can be arranged around your schedule; work can be done remotely.
This is a great opportunity for anyone looking to put their computer skills to great use for a great cause! By helping us with our website, you will be helping us improve the lives of disadvantaged individuals in the community. Your time will be greatly appreciated!
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All of our food, drinks, and dessert were all great! I loved every thing! Love, Shanique Ashers XoxXoxoxo
Is this restaurant good for dining on a budget?
Is this restaurant good for business meetings?
Is this restaurant wheelchair accessible?
Is this restaurant good for lunch?
Is this restaurant good for dinner?
Is this restaurant good for large groups?
Is this restaurant romantic?
Is this restaurant good for brunch?
Does this restaurant offer free wifi?
Does this restaurant offer outdoor seating?
Thanks for helping!Share another experience before you go.
All of our food, drinks, and dessert were all great! I loved every thing! Love, Shanique Ashers XoxXoxoxo
We went back here on memorial day weekend. We actually made a reservation from the city to make sure we would get in on a Saturday night. The food is wholesome and delicious. Watch out don't eat too many of the garlic rolls or you'll have no room for dinner. A busy bustling place. Good service, reasonable prices.
We arrived prime time on a Saturday night and there was an hour wait .We offered to sit outside and the hostess sat us immediately . They waitress was friendly and the busboy very attentive. We were hungry and order entrees immediately .The pasta dishes were generous and tasty. They broccoli rabe was a great side dish. If you want... More
Good food, plentiful, server very friendly, restaurant busy and buzzy, but unfortunately, the front of house staff were very unwelcoming and unfriendly. Waited 10 minutes at least after arriving at the restaurant to be seated for our 8pm reservation before being approached! Three or four members of staff were milling around but totally ignoring us until I approached one of... More
Six of us had dinner at Il Capuccino in Sag Harbor this past Saturday night. The place was mobbed. We had a reservation for 6 at 7 and the narrow entrance was blocked with people, so we called to let them know we were waiting outside. The person who answered was non-pulsed and replied ok… We stood on the street... More
Great wait staff and Italian food! The Garlic bread knots are absolutely delicious and worth just going to try. Food is served hot and not overcooked!
We really enjoyed Il Capuccino. The restaurant was very attractive. The food was quite good. All of us enjoyed our meals - lasagna, veal parmigiana, lobster ravioli. The service was also very good and the prices quite reasonable. We will be very likely to return.
Everything from the HUGE baked clams to the pasta to the incredible gelato was amazing! Reasonable prices - especially for the "Hamptons".
Has been in family for years. Great food, many choices and specials. Outside dining in season. A true local destination.
This Italian Restaurant has been in town for years with good reason. The garlic knots are to die for and that is just getting you warmed up. The food is consistently excellent, it really doesn't matter what you order, you really can't go wrong. If you can save room for dessert! They are family friendly. The decor is old world... More
Own or manage this property? Claim your listing for free to respond to reviews, update your profile and much more.Claim Your Listing


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Thread: Considering Dedicated Server
11-12-2002, 07:14 PM #1Newbie
- Join Date
- Jul 2002
- Posts
- 7
Considering Dedicated Server
I am considering getting a dedicated server soon. What I would like are some details about what the features should be. I'm very new to the world of dedicated hosting. I would also like to know how much a good dedicated server is per month.
11-12-2002, 07:25 PM #2Web Hosting Master
- Join Date
- Apr 2002
- Location
- Philadelphia
- Posts
- 2,277
If you don't mind me asking... what will you be using this server for? Since depending on what you host determines the effect it will have on the server. Really you should be concerned about:
- Quality server and specs
- Reliable Network
- Support
11-12-2002, 10:16 PM #3Aspiring Evangelist
- Join Date
- Jul 2001
- Location
- St. Louis
- Posts
- 379
There are so many options. You need to look at your needs.
Here are some questions to help determine what you need:
What will you be using it for?
How important is uptime?
How important is 24/7 support?
Do you need managed?
How important is quality hardware?
How much bw will you need?
There are so many more questions and there are options for every question. Once you know what you need, you can then determine the host who meets your needs the best. For example, if you don't need a managed server, don't pay for one. Or, if uptime is important but not crucial to your survival, then pick a host with good uptime but maybe not the very best. The very best is expensive.
There's a start.Brad @ Xiolink
XIOLINK. Your data...always within reach.®


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Ericdress Zipper Plain Turtleneck Asymmetrical Loose Casual Dress
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Here ericdress.com shows customers a fashion collection of current anniversary gifts for husband.You can find many great items. They all have high quality and reasonable price. You can get big discount sometimes, because we always do promotions. If you need anniversary gifts for husband,come here to choose. We give you good items and services.
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Check in from 14h / Check out prior to 10h
Hotel Alttolkewitzer Hof Dresden: Find photos, reviews, information, amenities and compare prices for 3 stars hotels in Dresden, Germany.
Located in Laubegast, this hotel provides good value accommodation.
Hotel description
Hotel Alttolkewitzer Hof Dresden provides cosy rooms, furnished to accommodate the requirements of any traveller.
Dresden Airport is less than a 30-minute drive from Hotel Alttolkewitzer Hof Dresden. It is also a short car ride from Dresden Castle, the Zwinger and the State Museum of Prehistory.
Hotel features
Availability and Prices
Booking Site
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Users who viewed Hotel Alttolkewitzer Hof Dresden also viewed these 3 stars Dresden hotels:
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- Mrosk Dresden
59 m
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- Hotel Gutshof Hauber
552 m


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You missed it This great deal for Eric C. Gould Photography is over. But don't despair, we've got more great deals every day.
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Eric C. Gould Photography
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text:
Paprika Chicken
Total Time
Prep 20 mins
Cook 1 hr
One of my kids favorite dishes. I usually serve over wide egg noodles.
Ingredients Nutrition
- 2 tablespoons bacon grease
- 1 large onion, chopped
- 3 garlic cloves, chopped
- 3⁄4 teaspoon salt
- 1⁄4 teaspoon cayenne pepper
- 4 tablespoons paprika
- 1 (2 -3 lb) roasting chickens, cut into pieces
- 2 cups chicken broth
- 1 (14 1/2 ounce) can diced tomatoes
- 2 tablespoons flour
- 1 (8 ounce) container sour cream
- Heat bacon grease in a large skillet over medium heat.
- Add onion, garlic, salt, cayenne and paprika. Stir together and saute until onion is translucent.
- Add chicken pieces and pour chicken broth over all.
- Cook over medium heat for 1 to 1 and 1/2 hours, adding more broth if necessary.
- Stir in tomatoes, reserving liquid.
- Stir liquid into a medium bowl with flour and sour cream; mix until well blended, then slowly add mixture to chicken, stirring constantly.
- Cook until mixture is thick.
Most Helpful
This was a flavorful dish and different than most of my chicken recipes, so we enjoyed it. It didn't thicken up as much as I would have liked, next time I'll increase the flour. I had to make it without the tomatoes since hubby won't eat cooked tomatoes. Thanks for the recipe!
This was a great easy recipe that my kids did enjoy, but oddly enough they only liked the noodles they didn't like the chicken. I liked it all! I did forget to add the tomatoes but it was good anyway. This will be a nice change in our menu at times. Thanks for sharing!


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May 26, 2010
DOMENICK BONANNO, PLAINTIFF,v.SECURITY ATLANTIC MORTGAGE CO., INC., SECURITY AMERICAN MORTGAGE COMPANY, AND BANK OF NEW YORK AS TRUSTEE FOR CERTIFICATEHOLDERS CWABS, INC., ASSET-BACKED CERTIFICATES, SERIES 2006-IMI, AND JOHN DOES 1-10, DEFENDANTS.
In 2005, Domenick Bonnano borrowed $625,000 from defendants Security American Mortgage Company, Inc. ("Security American") and Security Atlantic Mortgage Company, Inc. ("Security Atlantic"), and granted them a security interest in his home. Bonnano later brought this action alleging that, in the course of the mortgage transaction, the defendants violated the Real Estate Settlement Procedures Act of 1974 ("RESPA") and the Truth in Lending Act of 1968 ("TILA"). The defendants contend that they complied with their statutory obligations and move for summary judgment. For the reasons set forth below, the motion for summary judgment is granted.
A. The Mortgage Transactions
This case arises out of Bonnano's desire to refinance the mortgage on his home in Freeport, New York in 2005. On August 30 of that year, he entered into two simultaneous mortgage transactions with the defendants, one for $500,000, and another for $125,000. The broker for the transactions was Mortgage Zone, and the settlement agent was Anthony Mangiaracina. Bonnano was not represented by counsel at the closing.
In support of their motion for summary judgment, the defendants have submitted the following documents, each of which bears Bonnano's signature:*fn1
* The mortgage documents and promissory notes, all signed by Bonnano on August 30, 2005;
* HUD-1 Settlement Statements,*fn2 purporting to explain the transaction fees, signed by Bonnano and Mangiaracina on August 30, 2005;
* Notices of Bonnano's right to cancel the transaction. Bonnano's signature appears twice on the document: (i) once to say that he received notice of the right to cancel on August 30, 2005; (ii) again to say that, on August 30, 2005, three days had elapsed since he received notice of right to cancel;
* "Good Faith Estimates" of the charges at settlement, provided by Mortgage Zone, and signed by Bonnano on August 30, 2005;
* TILA Disclosure Statements, itemizing among other things the annual percentage rates of the interest on the loans, the monthly payments, and the total payments Bonnano would have to make, signed by Bonnano on August 30, 2005.
Though he does not dispute that he signed all these documents at the closing,
Bonnano swears that he never received "a complete and executed set of the pertinent loan documents." Bonnano Aff. ¶ 8. He says he was not provided with "signed and dated Notices of Right to Cancel," and that he was not advised of his right to cancel "in any of the documents provided to me or by any of the parties present at the closing." Id. Bonnano also states that he "did not receive complete and executed HUD-1 Settlement Statements at the closing and moreover, was not provided with any opportunity to inspect said Settlement Statements prior to or at the closing despite my request made to Defendant's agent, the mortgage broker for the transactions, Mortgage Zone." Id. ¶ 9. Moreover, Bonnano denies ever receiving "complete and executed copies of Good Faith Estimates for the subject mortgage loan transactions or the required HUD Special Information Booklets prior to or at the subject closing," or "fully completed and executed TILA Disclosures for both mortgage transactions." Id. ¶ 10.
B. The Procedural History
Bonnano, acting pro se, filed this action on January 9, 2007. In addition to Security American and Security Atlantic, the complaint also names as a defendant the Bank of New York, trustee for the alleged assignees of the mortgages, which was prosecuting a foreclosure action against Bonnano in state court. The Bank of New York has not appeared in this action.*fn3 The complaint seeks rescission of the mortgages, an injunction against foreclosure proceedings, and damages pursuant to TILA and RESPA.
Bonnano is now represented by counsel. On April 7, 2010, the defendants made this motion for summary judgment.
A. Standards on a Motion for Summary Judgment
Summary judgment is appropriate "if the pleadings, the discovery and disclosure materials on file, and any affidavits show that there is no genuine issue as to any material fact and that the movant is entitled to judgment as a matter of law." Fed. R. Civ. P. 56(c)(2); see also, e.g., Wright v. Goord, 554 F.3d 255, 266 (2d Cir. 2009). The moving party must demonstrate that no genuine issue exists as to any material fact. Gallo v. Prudential Residential Servs., 22 F.3d 1219, 1223 (2d Cir. 1994). A fact is "material" under Rule 56 when its resolution "might affect the outcome of the suit under the governing law." Anderson v. Liberty Lobby, Inc., 477 U.S. 242, 248 (1986).
An issue is "genuine" when "the evidence is such that a reasonable jury could return a verdict for the nonmoving party." Id. In determining whether an issue is genuine, "[t]he inferences to be drawn from the underlying affidavits, exhibits, interrogatory answers, and depositions must be viewed in the light most favorable to the party opposing the motion." Cronin v. Aetna Life Ins. Co., 46 F.3d 196, 202 (2d Cir. 1995). Therefore, although a court "should review the record as a whole, it must disregard all evidence favorable to the moving party that the jury is not required to believe." Reeves v. Sanderson Plumbing Prods., Inc., 530 U.S. 133, 151 (2000). However, the party opposing summary judgment "may not rely merely on the allegations or denials in its own pleading; rather, its response must ... set out specific facts showing a genuine issue for trial." Fed. R. Civ. P. 56(e)(2).
Once the moving party has met its burden, the nonmoving party must come forward with specific facts showing that there is a genuine issue for trial. Matsushita Elec. Indus. Co. v. Zenith Radio Corp., 475 U.S. 574, 587 (1986). The nonmoving party cannot survive summary judgment by casting mere "metaphysical doubt" upon the evidence produced by the moving party. Id. at 586. Summary judgment is proper when the moving party can show that "little or no evidence may be found in support of the nonmoving party's case." Gallo, 22 F.3d at 1223-24.
B. The RESPA Claims
In the course of enacting RESPA in 1974, Congress found that "significant reforms in the real estate settlement process" were needed in order to give consumers "greater and more timely information on the nature and costs" of the process, and to protect consumer from "unnecessarily high settlement charges caused by certain abusive practices that ha[d] developed in some areas of the country." 12 U.S.C. § 2601(a); see also Cohen v. JP Morgan Chase & Co., 498 F.3d 111, 122 (2d Cir. 2007). To address these concerns, Congress sought to bring about four kinds of changes in the settlement process: (1) "more effective advance disclosure to home buyers and sellers of settlement costs," (2) "the elimination of kickbacks or referral fees that tend to increase unnecessarily the costs of certain settlement services," (3) "a reduction in the amounts home buyers are required to place in escrow accounts established to insure the payment of real estate taxes and insurance," and (4) "reform and modernization of local recordkeeping of land title information." 12 U.S.C. § 2601(b). Bonnano relies mainly on the first aim, contending that the defendants violated their obligations to disclose the costs of the mortgage transactions.
RESPA assigns to the Secretary of Housing and Urban Development ("HUD") the authority to prescribe rules, regulations, and exemptions, see 12 U.S.C. §§ 2602(1)(B)(6), 2617, and many of RESPA's specific requirements are set forth in rules made by the HUD Secretary, rather than in the statute itself. Bonnano asserts a cavalcade of RESPA violations by the defendants; I take each allegation in turn.
1. The Defendants' Alleged Failure to Afford Bonnano the Right to Inspect HUD-1 Settlement Statements Prior to Closing
In his opposition to the motion for summary judgment, Bonnano first asserts that the defendants violated RESPA because they did not afford him the right to inspect the HUD-1 Settlement Statements one day prior to the settlement. The RESPA statute requires that the HUD-1 Settlement Statement "shall be completed and made available for inspection by the borrower at or before settlement by the person conducting the settlement." 12 U.S.C. § 2603(b) (emphasis added). "[T]he person who will conduct the settlement shall permit the borrower to inspect those items which are known to such person during such preceding day." Id. Similarly, the relevant regulation provides as follows:
The settlement agent shall permit the borrower to inspect the HUD-1 or HUD-1A settlement statement, completed to set forth those items that are known to the settlement agent at the time of inspection, during the business day immediately preceding settlement.
24 C.F.R. § 3500.10(a) (emphasis added). The defendants respond that Mangiaracina was the settlement agent, and that, as lenders, the defendants are not liable for any omission on his part to comply with this aspect of RESPA's requirements. There is, defendants say, no authority for holding the lender liable for a settlement agent's failure to permit the borrower to inspect the HUD-1 Settlement Statements.
I agree with the defendants that, with certain exceptions not applicable here, the obligation to permit the borrower to view the HUD-1 Settlement Statements on the business day prior to closing applies only to the settlement agent. See Paul Barron, Michael A. Berenson, and Dan Rosin, Federal Regulation of Real Estate and Mortgage Lending § 2.41 (4th ed. 2009) ("It is the settlement agent who has the responsibility for making the HUD-1 or HUD-1A Settlement Statement available one day in advance."). The plain text both of the statute and of the regulation limits any duty to allow pre-closing inspection by the borrower to the settlement agent. In addition, it would make little sense to impose on the lender an obligation to tell the borrower what the settlement agent knows about the transaction costs. Furthermore, under 24 C.F.R. § 3500.10(b), the settlement agent is not even required to provide the Settlement Statements to the lender until the settlement. In the absence of any authority for this asserted RESPA violation, I find that the defendants are entitled to summary judgment on the claim.*fn4
2. The Defendants' Alleged Failure to Advise Bonnano of the Right to Inspect the HUD-1 Settlement Statements
Bonnano's next contention is that the defendants did not advise him that he had a right under RESPA to inspect the HUD-1 Settlement Statements during the business day prior to closing. Plaintiff, however, cites no statutory basis in RESPA or anywhere else for an obligation on the lender's part to inform the borrower of the right to ask the settlement agent to allow the borrower to inspect the Settlement Statements. As noted above, the burden of permitting the borrower to inspect the Settlement Statements on the business day prior to closing is placed on the settlement agent by the statute and the regulations, and plaintiff has identified no authority that requires the lender to advise the borrower of the right to inspect. Accordingly, there is no legal basis for this claim, and the defendants are entitled to summary judgment on it.
3. The Defendants' Alleged Failure to Provide Bonnano with the HUD Special Information Booklet and Good Faith Estimates Prior to Closing
Bonnano also contends that the defendants violated RESPA by failing to provide him with a copy of the HUD Special Information Booklet and accompanying good faith estimates when he applied for a loan. See 12 U.S.C. § 2604; 24 C.F.R. § 3500.6. But a lender is exempted from the obligation to furnish a borrower with a copy of the Booklet and good faith estimates where, as in this case, the transaction is a refinancing transaction. 24 C.F.R. § 3500.6(a)(3)(i). This claim, therefore, must also be dismissed.
4. The Defendants' Alleged Failure to Provide Bonnano with the Executed HUD-1 Settlement Statements At the Closing
Bonnano maintains next that the defendants violated their obligation as lender to provide him with completed and executed copies of the HUD-1 Settlement Statements at the closing. Bonnano, however, signed his name to the following statement at the bottom of the completed HUD-1 Statements:
CERTIFICATION: I have carefully reviewed the HUD-1 Settlement Statement and to the best of my knowledge and belief, it is a true and accurate statement of all receipts and reimbursements made on my account or by me in this transaction. I further certify that I have received a copy of the HUD-1 Settlement Statement.
Bonnano does not contend that his signatures to these certifications were procured by duress or by misrepresentation. Rather, he simply denies that he ever received the statements, contradicting the statement to which he signed his name. Without more, that denial is insufficient to create a genuine issue of fact as to whether Bonnano actually received the HUD-1 Settlement Statements, and I therefore grant summary judgment to the defendants on this claim.
5. The Defendants' Alleged Failure to Disclose the Yield Spread Premium Paid to Mortgage Zone
Bonnano insists that the defendants failed properly to disclose the "yield spread premium" paid to the Mortgage Zone. A "yield spread premium" is a bonus paid to a broker when the broker originates a loan at an interest rate higher than the minimum rate approved by the lender for a particular loan. The broker is rewarded with a percentage of the "yield spread" -- the difference between the minimum rate and the actual rate -- multiplied by the amount of the loan. See Parker v. Long Beach Mortgage Co., 534 F. Supp. 2d 528, 533 (E.D. Pa. 2008). Here, the yield spread premium was disclosed to Bonnano in the HUD-1 Settlement Statement for the $500,000 mortgage.*fn5 Line 811 of that document states: "YIELD SPREAD PREMIUM PD LENDER TO MTG ZONE (POC $5,000)." Bonnano raises two objections to the way the yield spread premium was disclosed to him.
First, Bonnano states that the yield spread premium was misrepresented as a "fee outside closing." In this respect, Bonnano appears to be invoking RESPA's requirement that the Settlement Statement "shall conspicuously and clearly itemize all charges imposed upon the borrower and all charges imposed upon the seller in connection with the settlement." 12 U.S.C. § 2603. However, the Statement makes clear that the broker is receiving a payment from the lender for its role in the transaction, and I see nothing inaccurate or misleading about the way the HUD-1 Settlement Statement explains the yield spread premium.
Second, Bonnano complains that the description of the yield spread premium is misleading because it stated "MTG ZONE" rather than "Mortgage Zone." In the circumstances, however, there was plainly nothing misleading about using "MTG" rather than the word "Mortgage." Just three lines above, the Settlement Statement enumerates a $2,625.00 fee -- to be paid, unlike the yield spread premium, from the borrower's funds at settlement -- under the name "MORTGAGE BROKER FEE TO MTG ZONE." In using an accessible abbreviation for an entity that is obviously the mortgage broker, the defendants did not violate their obligation to disclose the fee paid by the lender to the broker.
For these reasons, Bonnano's RESPA claims relating to the yield spread premium, like his other RESPA claims, fail as a matter of law and the defendants are entitled to summary judgment dismissing the claims from the case.
C. The TILA Claims
The main purpose of TILA is to inform consumers of the true cost of credit.
15 U.S.C. § 1601 et seq. The statute also grants certain consumer borrowers the right to rescind within three days of the transaction, and requires lenders to inform borrowers of the right to rescind. As is the case with RESPA, most of TILA's specific requirements are found in the regulations implementing the statute, known as "Regulation Z." See 12 C.F.R. Part 226.
1. The Defendants' Alleged Failure to Provide Bonnano With Notice of Right to Cancel
The first TILA claim pressed by Bonnano in his opposition to the motion for summary judgment is an alleged violation of the defendants' obligations to provide notice of his right to cancel the mortgage transactions. In support of their motion for summary judgment, however, the defendants have submitted copies of documents entitled "Notice of Right to Cancel." These documents explained to Bonnano that "[y]ou have a legal right under federal law to cancel this transaction, without costs," within three business days of the last of three events --
(1) the date of the transaction, August 30, 2005; (2) the date Bonnano received the Truth-in- Lending disclosures; or (3) the date Bonnano received the notice itself. The notices explained clearly how to exercise the right to cancel the transactions.
On each of the two notices -- one for each mortgage -- Bonnano signed his name twice. The first signature attested that Bonnano had received the Notice of Right to Cancel forms. The second, under the heading "Certificate of Confirmation," manifested Bonnano's understanding that more than three business days had elapsed since he received copies of the Notices of Right to Cancel form and other Truth-in-Lending Act Disclosures.
Again, Bonnano does not contend that his signature to these statements was procured by coercion, fraud, or by any other form of misrepresentations. TILA recognizes that a presumption of delivery of required disclosures arises from a written acknowledgement of receipt by the recipient. 15 U.S.C. § 1635(c). Without more, Bonnano's bald denials of the statements he earlier adopted by signing his name do not create any issue for a fact-finder to resolve, and summary judgment for defendants is proper on this claim.
2. The Defendants' Alleged Failure to Refer Bonnano to the Relevant Contract Documents
In the alternative, Bonnano contends that the TILA Disclosure Statements with which he was provided violate the statute and the regulations on the ground that the statements failed to meet the obligation to refer the borrower to "the appropriate contract document" for further applicable terms. The statute requires a creditor in the defendants' position to disclose to the borrower "[a] statement that the consumer should refer to the appropriate contract document for any information such document provides about nonpayment, default, the right to accelerate the maturity of the debt, and prepayment rebates and penalties." 15 U.S.C. § 1638(a)(12). Regulation Z similarly requires the creditor to disclose "[a] statement that the consumer should refer to the appropriate contract document for information about nonpayment, default, the right to accelerate the maturity of the obligation, and prepayment rebates and penalties." 12 C.F.R. § 226.18(p).
Here, it is clear from the documents Bonnano received that the defendants met their obligation to tell him that he should refer to the appropriate contract documents for further relevant terms. Bonnano signed his name acknowledging receipt of completed copies of the TILA Disclosure Forms. Each of these forms told him: "See your loan documents for any additional information about nonpayment, default, any required repayment in full before the scheduled date, and prepayment refunds and penalties."
Bonnano's objection to this language rests on the fact that, in the case of each mortgage, there were two different contract documents -- a mortgage document and a note. The TILA Disclosure Forms referred Bonnano generically to these documents rather than to the particular document where a specific term could be found. Nothing in TILA, however, requires that level of specificity, as is illustrated by the model disclosure form, which invites borrowers to use the following form of words: "See your contract documents for any additional information about nonpayment, default, any required repayment in full before the scheduled date, and prepayment refunds and penalties." 12 C.F.R. Pt. 226, App. H.
Accordingly, like the RESPA claims, all of Bonnano's TILA claims fail as a matter of law, and the defendants' motion for summary judgment dismissing them from the case is granted.
D. The Remaining Claims
The complaint also purports to allege a claim relating to the appraisal of Bonnano's home, a claim under Article 9 of the Uniform Commercial Code, and a claim under the Equal Credit Opportunity Act. Compl. 7, 10, 11-12. Plaintiff's opposition to summary judgment, however, makes no attempt to support these claims with any evidence or legal argument. Plaintiff has abandoned these claims, and on that basis I grant summary judgment to the defendants.*fn6
E. Further Discovery
Bonnano's final argument is that further discovery is necessary before I grant summary judgment to the defendants. Under Federal Rule of Civil Procedure 56(f), if a party opposing a summary judgment motion "shows by affidavit that, for specified reasons, it cannot present facts essential to justify its opposition," the court may "deny the motion [or] order a continuance to enable affidavits to be obtained, depositions to be taken, or other discovery to be undertaken." Bonnano, however, does not identify any way in which further discovery would assist him. In any event, the discovery period for this case is complete, and Bonnano has provided no "specified reason[]" why discovery should be reopened, and I decline to exercise my discretion to do so.
For the reasons stated above, the defendants' motion for summary judgment is granted in its entirety.
So ordered.
John Gleeson, U.S.D.J.
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Damp morning rays
This morning in the fog.
Half-off print sale still going, almost anything on my Tumblr or Instagram is available. Say hi at: email@example.com
Mirkwood, also known as Greenwood the Great, Eryn Galen or Taur-e-Ndaedelos. It was later re-named Eryn Lasgalen, the Wood of Greenleaves.
Photos by James Mills. source: vk.com
Vitebsky Railway Station, Saint Petersburg, Russia
Sun coming through the trees and reminding us of summer.
"It's not possible to take such a photograph anymore, as the buildings outside block the sun rays."
Grand Central, NYC 1929


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Critical Mass Level 26 Tips and Strategies
- App name: Critical Mass
- Developer: Richard Berger
- Genre: Board
- Release: Nov 20, 2013
If you are stuck on Critical Mass level 26 you came to the right place. Below you will find a video walkthrough and some written tips that will guide you through that level. Have fun and enjoy this great game.
Level 26 Walkthrough
This page contains Critical Mass video walkthroughs for iOS (iPhone/iPad) called "cleveland 9-26-14 ride to rays mtb" and has been uploaded on K L official channel at Feb 3, 2015.
Still need help with this level? Here you can ask questions and discuss with other Critical Mass users.
Hit like if this helped you!
Stuck on some levels in Critical Mass? This walkthrough can help you finish the game.