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North Swan Beach
6 Bedrooms
(2K, 2Q, 1BS, 1Duo)
5 Bathrooms
(5 Full)
per week
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Southern hospitality that goes beyond your expectations.
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Our 38 years of family-owned experience.
Accessible by 4x4 only. Nestled in the beautiful surroundings of North Swan Beach and next to undeveloped wetlands on the west and south, this home's yard is a favorite grazing area for the wild horses. Enjoy comfort and amenities indoors and experience the natural coastal environment outdoors. Beach access is directly in front of the house! Approximately 6.5 miles up the beach.
Pets welcome (2 max.). No additional fee or deposit required.
Click here for satellite parking information.
View all photos
7 reviews
- Lisa
- Lisa
- Chad
- Chad
- Hunter
- Hunter
- Krystal
- Krystal
If you're looking to see the wild horses of Corolla, this house is the one to rent! And you can't beat the unique experience of driving on the 4x4 beach.
- Candice
If you're looking to see the wild horses of Corolla, this house is the one to rent! And you can't beat the unique experience of driving on the 4x4 beach.
- Candice
- Christina
- Christina
The home had a very homey feel about it.
- Misty
The home had a very homey feel about it.
- Misty
Are there televisions in any of the bedrooms?
Shawna, currently there are TVs available in all bedrooms of this home. However, this is not a guaranteed amenity and is subject to change without notice.
- Answered by Twiddy on 12/9/2016
Is there an access ramp on Daffodil with direct ocean access? If not, where is the closest ramp? Thank you!
Thank you for your inquiry! Unfortunately, there is not a beach access on Daffodil. To access the beach, you will take the route used to access the home by vehicle. The closest beach access ramp is at the 19.5 Mile Marker.
- Answered by Twiddy on 11/16/2016
Does the loft area have A/C?
Cassandra, the loft area does have A/C.
- Answered by Twiddy on 7/25/2016
Is the pool area accessible from the lower deck ? And also has the pool fence been updated since the last pictures ?
Excellent questions, Todd! The private pool is fully gated from the home. The pool fence has vinyl siding on the outside and plywood on the inside, as shown in the photo slideshow.
- Answered by Twiddy on 5/3/2016
Can you have a fire on the beach? Like a small one to roast marshmallows and hot dogs?
Laura, beach bonfires are strictly prohibited, however, the Carova Beach Volunteer Fire Department confirmed that a portable grill is fine to have on the beach in the 4x4 area to roast marshmallows and hot dogs.
- Answered by Twiddy on 3/15/2016
And I see that no ATV's are allowed but what about a Honda Pioneer Side by Side 4 person UTV? Thank you for your time.
Great question, G. Miles! ATVs, UTVs, 4-wheelers, quads, etc. are not permitted in the 4x4 area.
- Answered by Twiddy on 1/27/2016
Hello, I am looking for a family vacation spot for several members. I see that it says you have to park in town, so how many 4x4 vehicles are allowed at the house? How far is the parking area from the house?
Thank you for your inquiry! T41918 provides parking at the home for up to 6 vehicles. We only recommend 4-wheel drive vehicles for accessing homes in the 4x4 area. For additional information about 4x4 driving, please visit www.twiddy.com/outer-banks-4x4-driving.aspx. For guests that do not have a 4-wheel drive vehicle, we offer satellite parking at our Corolla office. This home is approximately 5 miles from the Corolla office. Permits can be purchased at the front counter on the day of arrival. For information on pricing, please contact the office at 1-800-489-4339.
Does this unit have bedding and towels
Lynn, T41918 provides bed linens and bath towels.
- Answered by Twiddy on 5/19/2015
does this unit have a washer and dryer also what is in the loft
Keith, currently the loft area is pictured in photos number 19, 20, 21 & 22 of the photo slideshow. A washer and dryer set is a standard amenity in every Twiddy vacation home. To view a complete list of standard amenities, please visit: www.twiddy.com/abbreviations-definitions.aspx
- Answered by Twiddy on 2/13/2015
What size is the hot tub?
Tanya, the hot tub at T41918 is a standard-size hot tub that can hold approximately 4-5 guests.
- Answered by Twiddy on 2/5/2015
The amenities have hot tub checked. I don't see one visible in any of the photos. Does Lost Wages have a hot tub?
By the way---- we have used Twiddy for our last 6 houses! We will always use Twiddy because of the service we have always received.
Hi Heather! First off, thank you for your continued loyalty to Twiddy & Company Realors! We are happy to welcome you back each year! This home does have a hot tub included. It is located on the Level 2 deck.
- Answered by Twiddy on 1/18/2015
I have been to the outer banks many many times and are thinking of a 4x4 beach. Where this home is located is there actual "traffic" on the beach along the shore line all day? Thanks Just wondering for the kids and dog :)
Excellent question, Mary! Yes, the entire beach in the 4x4 area is the "highway", however, it is monitored by patrol officers. There are signs that designate where to drive and where to park. Dogs are permitted on the beach but must be on a leash. Please let us know if you have any additional questions.
- Answered by Twiddy on 1/9/2015
How old do you have to be to rent for a week?
Hello Liz. We rent to family groups (i.e. married couples, parents with children) or to non-family groups when all members of the group are 24 yrs of age or older.
- Answered by Twiddy on 1/3/2015
I saw there was a high chair in one of the pictures, Is there still a high chair and is there a crib?
Amy, baby equipment is not a standard amenity for Twiddy homes. If you would like to rent baby equipment for your stay, Just for the Beach, Moneysworth, and Ocean Atlantic Rentals all provide baby equipment rentals. For contact information, please visit www.twiddy.com/activities/services.aspx.
- Answered by Twiddy on 8/12/2014
Is there a coffee maker? DO you know what kind of filters it takes?
Every Twiddy home provides a coffee maker. T41918 currently provides a standard drip style coffee maker.
- Answered by Twiddy on 6/26/2014
Is there a grill? Is it gas or coal?
Excellent question, Eileen! T41918 provides a gas bbq grill.
Does the 4th floor tv room have a sofa bed?
Hi Cinda, Lost Wages-T41918 does not advertise a sofa bed in the home.
- Answered by Twiddy on 6/9/2014
Is the pool heated or able to be at a cost?
Thank you for your inquiry, Jeremi! The private pool at T41918 does not offer the option of being heated.
- Answered by Twiddy on 6/7/2014
Not all people in our party interesting in going to this house have a 4x4 vehicle. Is there a location close by where they can park their car for the week and be shuttled to the house by someone in their party??
Great question, Joanne! We do offer satellite parking at our Corolla office! For more information on purchasing a parking permit, please contact us at 800-489-4339 or [email protected]
- Answered by Twiddy on 2/21/2014
Are 4 wheelers permitted in this beach area? If so, are there certain times and/or restrictions?
No Marie, ATVs are not permitted for non-residents
- Answered by Twiddy on 2/16/2014
What time is check-in and what day and time is check out?
Gene, T41918 rents Saturday - Saturday. For information on check-in and check-out times, please visit www.twiddy.com/check-in-check-out.aspx.
- Answered by Twiddy on 8/20/2013
Are there any tables to eat outside on the decks?
Hello Brenda! Each Twiddy home provides outside furniture for their deck and pool areas. You can find a list of all Twiddy standard amenities here, www.twiddy.com/abbreviations-definitions.aspx#stfurneq
- Answered by Twiddy on 8/3/2013
Is there air conditioning or central air?
Ryan, every Twiddy home provides central heating and cooling. To view our list of standard amenities, please visit www.twiddy.com/abbreviations-definitions.aspx#stfurneq.
- Answered by Twiddy on 7/5/2013


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Sheriff's deputy dead after vehicle swallowed by sinkhole in...
New love child emerges as new potential heir in Bill Hall Jr....
Guns N' Roses sets San Antonio show
Accused S.A. cop killer Otis McKane gives jailhouse interview
Texas teacher accused of starting affair with teen student via...
Prominent Dallas attorney Brian Loncar dies
SAFD: San Antonio woman injured after saving man from sink hole
Thousands compete in soggy San Antonio Rock 'N' Roll Marathon
H-E-B to break ground on West Side store in March, according...
BREAKING: St. Anthony withdraws from TAPPS, plans to meet with...
Monthly Archive for October, 2008
Female sports talk host bites dust
Dawn Murphy And then there was none. San Antonio radio just lost its sole local female bonafide talk show co-host. Sports aficionado Dawn Murphy, who added a refreshing woman's point of view on …
WOAI sources: Randy Beamer gets pretty new co-anchor
Elsa Ramon The big S.A. TV news of the night is that Randy Beamer finally is getting a permanent co-anchor at 6 and 10 p.m. Starting Nov. 10, my sources tell me, Elsa Ramon, foxy mother/journalist, …
Oh, Great Pumpkin, save us from all this politics!
(Courtesy Photo) You know Halloween is on the wrong track when local radio DJs tout the top three costumes this year as being Sarah Palin, Barack Obama and John McCain. As Charlie Brown would put it: …
Tune in survivor Mouton's breast cancer special
KSAT anchorwoman Leslie Mouton, whose own breast cancer fight made local and national news even Oprah Winfrey's show said she's feeling great these days and aims to help others still …
Actress from S.A. on 'ER'
Young Madison Davenport of San Antonio can be seen in a meaty guest role on "ER" tonight. (Courtesy photo) Davenport, 11, was last seen on the big screen. She co-starred with Abigail Breslin in "Kitt …
Bang! Jay Howard's back on radio!
Starting at 6 p.m. today, former S.A. sports broadcasting icon Jay Howard, who's signature cry during Spurs games was "bang!", is making a comeback. For the first time in years, Howard can be heard …
How 'Bizarre'! Travel Channel guy does S.A.
Yes, that was the colorful "Bizarre Foods" guy from Travel Channel checking out some of San Antonio's own unusual delights on Sunday. Andrew Zimmern, my all-time favorite TV eater, also checked out my …
Holy hogs! S.A.'s Bandidos on History Channel
San Antonio's notorious Bandidos will be featured on the History Channel at 8 tonight. Collister So will WOAI-TV investigative reporter Brian Collister. No, Brian is not a member of the legendary …
Weatherman Perez: 'WOAI made no effort to keep me'
If you're up at 6 a.m. Friday, turn to News 4-WOAI for the farewell of a TV weather icon: Maclovio Perez. Courtesy photo Maclovio Perez. After six years at the station, "Mac," as he's known to most, …
Sad TV forecast: Weathercaster 'Mac' won't be back
Maclovio Perez, morning weathercaster at WOAI-TV, and a living legend of sorts in San Antonio television, has left the station after more than six years there. His last day on the air, co-workers …

subset: commoncrawl


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Lazard vice chairman heads up blank check IPO
Donald Drapkin, the chairman of Lazardâs investment committee and former head of Ron Perlman's investment vehicle, MacAndrews & Forbes, is leading the bank's blank check company Sapphire Industrial, as it seeks $500m (â¬352.6m) from an initial public offering.
Drapkin joined the firm in May to focus on investment banking and strategic investments and initiatives for Lazard. He previously worked as vice chairman of MacAndrews & Forbes, an investment company which owns cosmetic businesses Revlon and security services business Allied Barton.
Sapphire's offering will sell 57.5m units at a proposed price of $10 each. Citigroup is the sole underwriter for the deal. If it exercises its over-allotment option, the blank check offering could raise as much as $585m.
Blank check and special purpose acquisition companies are shell companies that use public money to make acquisitions. They have suffered a downturn in the credit squeeze, particularly in the third quarter, when their offerings plunged 65% to $887m, compared with the previous quarter, according to data provider Dealogic.
In September, Hicks Acquisition Company, a spac founded by billionaire Thomas Hicks, raised $550m.


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BS 601-2 1973 Edition, July 16, 1973
Complete Document
Specification for steel sheet and strip for magnetic circuits of electrical apparatus. Oriented steel, 0.25 mm thick and above
Includes all amendments and changes through Amendment 1, July 16, 1973
Additional Comments: W/D S/S BY BS 6404-8.7
Published By:British Standards Institution (BSI)
Page Count:0
Grain-oriented steel, 0.25 mm thick and above, silicon content approx. 3 per cent , coating on both sides with inorganic insulation. Primarily used for transformers.


text: With a stay at 810 Gulfside in Indian Rocks Beach, you'll be close to Indian Rocks Shopping Center and Walsingham County Park. This beach hotel is within close proximity of Florida Botanical Gardens and Smugglers Cove Adventure Golf. Make yourself at home in one of the 6 individually decorated guestrooms, featuring kitchens with full-sized refrigerators/freezers and stovetops. Rooms have private furnished patios. Flat-screen televisions with cable programming provide entertainment, while complimentary wireless Internet access keeps you connected. Conveniences include microwaves and coffee/tea makers, and housekeeping is provided weekly. Relax on the private beach or enjoy other recreational amenities such as an outdoor pool. This hotel also features complimentary wireless Internet access, tour/ticket assistance, and barbecue grills. The front desk is staffed during limited hours. Recreational amenities at the hotel include a private beach and an outdoor pool. The recreational activities listed below are available either on site or nearby, fees may apply.


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The Annex Bed & Breakfast Bradford-on-Avon
36 Avonfield Avenue,, Bradford-on-Avon, United Kingdom Show Map
Check in from 14h / Check out prior to 11h
The Annex Bed & Breakfast Bradford-on-Avon: Find photos, reviews, information, amenities and compare prices for 1 stars hotels in Bradford-on-Avon, United Kingdom.
The Annex Bed & Breakfast Bradford-on-Avon provides a comfortable setting when in Bradford-on-Avon. It is conveniently positioned for those wanting to visit local attractions.
Hotel description
A satisfying breakfast is served each morning at the bed & breakfast, and there are numerous cafés and eateries close by.
Bristol Airport is a 60-minute drive from The Annex Bed & Breakfast Bradford-on-Avon. It is within walking distance of Bradford-on-Avon Railway Station, which allows convenient access in and around Bradford-on-Avon.
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Who We Are
Softlink solution is an official Application developing , web designing, Logo Designing services providing company located in Calicut Kerala India. With a specific vision for making affordable Application, web sites for Micro, Small & Medium entrepreneurs, Individuals, Groups, Families, Clubs, Schools, Colleges, Training Institutes, Trusts, Charitable Organizations, Pravasi Associations etc., to show and manage their products and services to the world .
Within a short span of period Soft link solution extended our services all over the world and develop several windows applications, web applications and websites for our overseas and local clients as per their requirements. We have been providing our services across the Globe through our marketing associates in all over globe.
Why with us?
We are working hard to encourage and promote the business through quality applications and web sites at affordable prices.
We are a team of experts who are professionals in application developing, website designing, logo designing services to our valued customers, we also have number of article writers who are serving the company as free lancers.


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List of Iraqi War Criminals Released by White House
The Bush administration has named several top Iraqi officials, including Saddam Hussein's two sons, who would be tried for war crimes or crimes against humanity after an American-led attack on Iraq, a senior American official said. 1
The American-led coalition that is preparing to topple Mr. Hussein's government is planning for a complex invasion of Iraq to begin even as allied troops are still arriving in the region, senior commanders say. 1
In the United States, Europe and Africa, Al Qaeda and other terror organizations have intensified their efforts to recruit young Muslim men, tapping into rising anger about the American campaign for war in Iraq, according to intelligence and law enforcement officials. 1
Antiwar Demonstrations
There were hundreds of organized protests around the world, from Athens to Seoul, South Korea, against an Iraq war. 15
Tens of thousands of antiwar protesters marched in Washington, San Francisco and Los Angeles and other American cities in opposition to United States policy on Iraq. 15
Thousands of Iraqis demonstrated in a tightly marshaled show of defiance of the United States. 15
Jiang Steps Down in China
Jiang Zemin, China's former Communist Party chief, stepped down as president, and Hu Jintao -- the party leader since last fall -- was elected to succeed him. 8
Funeral for Serbian Leader
Hundreds of thousands of Serbs lined the streets of Belgrade to pay their respects to Prime Minister Zoran Djindjic, who was assassinated last week. 4
Medicare Changes Sought To Curb Coverage Appeals
The Bush administration says it is planning major changes in the Medicare program that would make it more difficult for beneficiaries to appeal the denial of benefits like home health care and skilled nursing home care. 1
Cadets Say Abuse Is Endemic
Former students say that many female cadets are raped or molested at the Air Force Academy and that most do not report it because they fear an investigation would expose them to retribution, if not dismissal. 1
Reconstructing Lost Months
Months of missed sightings and missed opportunities by investigators preceded the recovery of Elizabeth Smart, the Utah girl who spent months with a kidnapper who considered himself God. 30
Inmate Seeks Clemency
Louis Jones Jr., who is on death row, has pleaded for clemency, saying that chemicals to which he was exposed in the Persian Gulf war unbalanced his mind and played a role in the murder he committed. 20
Alert on Mystery Illness
As a mysterious respiratory illness that has killed nine people spread to more countries, the World Health Organization issued a rare health alert and urged all countries to help in seeking its cause and control. 1
Stem Cell Research Supported
At various institutions a scattershot movement is under way to counteract President Bush's 2001 order sharply limiting federal money for embryonic stem cell research. 20
Sweeping Security Plan in Place For City in the Event of War
To protect New York City if and when an American-led attack on Iraq begins, the police have prepared a sweeping security plan that calls for expanding the patrols on the streets and asking the Defense Department to fly combat aircraft overhead, a police official said. Police Commissioner Raymond W. Kelly has briefed Mayor Michael R. Bloomberg and other top city officials on the plan, known as Operation Atlas. 1
Thousands Mourn Detective
James V. Nemorin, one of two detectives shot to death during an undercover operation last week, was mourned at a funeral attended by thousands of his colleagues. The funeral for Rodney J. Andrews, the other detective killed, is on Tuesday. 33
Jean-Luc Lagardère
The builder of one of France's largest industrial empires was 75. 31
Chess 37
Weather 40
Cong. Vote 37Continue reading the main story


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FEATURES: Balsa and ply construction, covered with Top Flite MonoKote
Pre-installed ailerons
INCLUDES: Left and Right Wing (key#5)
2 Wing Bolts
Aileron Pushrods
Nylon Clevises
Shrink Tubing
REQUIRES: Installation on fuselage
Royal mail at £3.50, or Express at £6.95.
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Our system will drop you an automated e-mail as soon as this product comes back into stock.


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BD Music has got another awesome exclusive contest for all you awesome readers! This time, we're giving one lucky reader the chance to win Mushroomhead singer Jeffrey Nothing's mask that was used on tour and in the Come On video. Jeffrey has a solo album coming out entitled The New Psychodalia, which you can pre-order on iTunes.
Grand Prize:
bloddy disgusting is awesome and so is mushroomhead…
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Econo Lodge Chillicothe hotels are listed below. Search for cheap and discount Econo Lodge hotel prices in Chillicothe, MO for your family, individual or group travels. We list the best Econo Lodge Chillicothe hotels/properties so you can review the Chillicothe Econo Lodge hotel list below to find the perfect place.
We will provide Chillicothe, MO hotels/motels that have a comparable rating of a Econo Lodge.
Need a group/meeting discount? Get quotes from hotels in Chillicothe MO
How should we direct your call?
Econo Lodge Inn And Suites is located in Chillicothe.Rooms Make yourself at home in one of the 57 air-conditioned rooms featuring refrigerators and microwaves.


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The World's Greatest Music
On now Alex James's Date Night
Email the show or Text 6491812
All this coming week, Classic FM is celebrating the work of London's Southbank Centre. Special shows include a live concert, archive recordings of the centre's resident orchestras and a look ahead to upcoming music featured in the new season. To celebrate, here are 24 stunning images which trace the amazing history of Southbank Centre and some of the legendary artists who have performed there.
Picture 3 of 24
The Royal Festival Hall was built for the centenary of the Great Exhibition, known as the Festival of Britain. This image from January 1951 shows the interior of the Royal Festival Hall nearing completion. Photo: Getty
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Today Swedavia released the results of its Traveller survey in partnership with TNS Sifo. The survey has been carried out to examine the travel views of Swedes. Among the findings, it turns out that Stockholmers like to shop at the airport – as many as 16 per cent prefer to spend their time at the airport shopping. Stockholmers often pack a laptop or tablet in their baggage and like to check in using an automated machine.
The Traveller survey has now been conducted for the third year in a row. This year's report shows that Swedes appreciate travel to a very high degree – four out of ten Swedes think they give higher priority to travel abroad today than they did 5-10 years ago. And it is quite clear that the airport today is an important part of the entire travel experience – as many as seven out of ten Swedes feel a sense of anticipation at the airport.
"We see that travellers like to come early to the airport to feel that special sense of anticipation which is part of the airport's atmosphere. More than half are at the airport at least an hour before their departure, and we are continually developing the airport to satisfy passengers' desires for new experiences. Their trip begins at the airport," says Kjell-Åke Westin, airport director at Stockholm Arlanda Airport.
More than half of Swedish travellers want to be at the airport at least an hour before their departure, and over a third want to be there more than two hours in advance in order to have time to shop and go to cafés, restaurants and bars. Stockholmers like to spend their time at the airport shopping – 16 per cent ¬– or having a cup of coffee and something to eat – also 16 per cent. The most popular activity, however, is socialising with fellow travellers – 18 per cent. As many as 45 per cent of Stockholmers pack a laptop or tablet, more than other region in the country. And checking in using an automated machine is most popular; 55 per cent choose to do so compared to 37 per cent who want personal service.
"Many of our passengers fly on business and are frequent visitors to the airport. For them, convenience and efficiency are especially important in every aspect of the travel experience, from the time they arrive in the terminal to the time they take off. For us, it is important to meet these needs and think innovatively about how, among other things, self-service can improve the passenger experience when we develop our airport for the future," says Peder Grunditz, airport director at Bromma Stockholm Airport.
Stockholmers think that the airport's atmosphere is important for the travel experience. As many as 68 per cent think that is fairly or very important. They also seem to be hard-working; as many as 29 per cent want better opportunities to work, with good Wi-Fi and printing possibilities. Some 35 per cent want food courts, with dishes from all around the world. Another 16 per cent want art experiences. Sleeping pods and Swedish design are also on Stockholmers' wish lists.
What respondents generally were looking for was good shopping; almost four out of ten gave this top priority. In Stockholm, that figure is even higher – 45 per cent. The most typical shopping allowance for Swedish travellers in SEK 500, but young people spend a little less. The item showing the greatest increase in demand is reading for the trip – up 50 per cent from the year before; 39 per cent of Swedes shop for this. As a result, books, newspapers and magazines ended up in second place on the list. Sweets still top the shopping list, with 42 per cent. In Stockholm, reading for the trip ranks highest, at 47 per cent, ahead of sweets, at 44 per cent.
The Traveller survey of Swedes' views of travel, holidaymaking and airports around the world was conducted by TNS Sifo on behalf of Swedavia. Respondents between the ages of 18 and 79 were randomly selected. A total of 4,428 people took part. The survey is web-based and was carried out August 15–September 22, 2014. A total of 448 people from Stockholm were interviewed, with 317 respondents who answered yes to the question whether they had flown on holiday over the past year constituting the basis of the survey results.


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The Pill, John Rock, and the Church: The Biography of a Revolution.
MCLAUGHLIN, Loretta.
• Terms • Ask a Question
Description: 243pp., 8vo, cloth, dust wrapper; d.w. spine and part of cover sun-faded. Boston: Little, Brown and Company, (1982). Very good.Binding: hardcover
Language: English
Type: Books
Book ID: 177188
By This Author: MCLAUGHLIN, Loretta.


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5 bed 3 bath home in Riverside addition. Master suite, main floor laundry, SS appliances, storage shed, next to bike path.
Property Type: Residential, Single Family
Status: Active
Bedrooms: 5
Bathrooms: 3
Lot Size: 0.49 Acres
Square Feet: 2,656 sq ft
Year Built: 1996
Garage: Yes
Stories: 1 Story
Construction: Frame/Wood
Property Attached: No
Date Available:
Model Home:
Completion date:
Background Check: No
Smoking Permitted: No
In Foreclosure: No
Lender Owned: No
Potential Short Sale: No
Auction: No
County: Stevens
Days On Market: 22
Construction Status: Original Owner
District: Morris #2769
Main Floor
Kitchen: 13x12
Dining Room: 15x11
Living Room: 15x14
Master Bedroom: 13x13
Bedroom 2: 13x11
Bedroom 3: 10x10
Upper Floor
Lower Floor
Den/Office: 13x12
Family Room: 21x13
Bedroom 4: 14x13
Bedroom 5: 14x13
Full Baths: 2
3/4 Baths: 1
Additonal Room Information
Dining: Combine with Kitchen
Bath Description: 3/4 Basement,Full Master,Main Floor Full Bath
Square Footage above: 1,400 sq ft
Square Footage below: 1,256 sq ft
Basement: Egress Windows, Finished, Full, Poured Concrete, Sump Basket, Drainage System
Additional Interior Features: Vaulted Ceilings, Cable, Natural Woodwork, Walk-In Closet, Hardwood Floors, Ceiling Fan(s), Garage Door Opener, Washer/Dryer Hkups, Broadband Available, 3 bdrms same floor,Main Floor Bedrooms,Main Floor Laundry, Mechanicals - Air to Air Exchange,Sump Pump,Water Heater - Elec,Water Softener - Rnt
Water: City
Sewer: City
Cooling: Central
Heating: Natural Gas, Forced Air
Attached Garage
Garage Spaces: 2
Parking Description: Attached
Exterior: Vinyl
Roof: Asphalt Shingles
Lot Dimensions: 120 180
Additional Exterior/Lot Features: Deck, Driveway - Concrete, Porch, Patio, Tree Coverage-Medium, Corner Lot, Landscaped, Road Frontage - Paved, City, Curbs & Gutters
Out Buildings: Storage Shed
Soil Type: Clay
Water Frontage:
Lake Acres:
Lake Chain Name: No
Road Between Waterfront and Home: No
Pets Allowed: No
From Hwy 28 & 59 intersection go S to a left on Co Rd 10 to 1st left off of Co Rd 10 on left.
Assessments: 65
Terms: Cash,Conventional,DVA,FHA,Rural Development
Tax/Property ID: 20-1740-000
Tax Amount: $2,489
Tax Year: 2016
HomeStead Description: Homestead
A broker reciprocity listing Courtesy: Coldwell Banker Crown Realtors
The data relating to real estate for sale on this web site comes in part from the Broker Reciprocity℠ Program of the Greater Alexandria Area Association of Realtors®. Real estate listings held by brokerage firms other than Edina Realty, Inc. are marked with the Broker Reciprocity℠ logo or the Broker Reciprocity℠ thumbnail and detailed information about them includes the name of the listing brokers. Edina Realty,Inc. is not a Multiple Listing Service (MLS), nor does it offer MLS access. This website is a service of Edina Realty, Inc., a broker Participant of the Greater Alexandria Area Association of Realtors®. IDX information is provided exclusively for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed. Open House information is subject to change without notice. Copyright 2016 Greater Alexandria Area Association of Realtors® All Rights Reserved.
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December 4, 2012
ROBERT ALEXANDER AND JAMES LEE REED, INDIVIDUALLY AND ON BEHALF OF ALL OTHERS SIMILARLY SITUATEDv.WASHINGTON MUTUAL, INC.; WASHINGTON MUTUAL BANK; WASHINGTON MUTUAL BANK FSB; AND WM REINSURANCE MORTGAGE REINSURANCE COMPANY
Now before me for decision are representative plaintiff James Lee Reed's unopposed motion for final approval of class action settlement, certification of settlement class, approval of plan of allocation, appointment of class representative, and appointment of lead class counsel and class counsel (Dkt. No. 95).*fn1 Also before me is a submission concerning settlement filed by defendants WMI Holdings Corp.(formerly known as Washington Mutual, Inc. or WMI), WM Mortgage Reinsurance Company, Inc. (WMMRC), and J.P. Morgan Chase Bank, N.A. (JPMC), successor by merger to Washington Mutual Bank fsb (WMBfsb) (Dkt. No. 100). There have been no objections to the proposed settlement and only five of the 42,584 class members have opted out of the class. After reviewing the parties' submissions and holding a final fairness hearing on November 27, 2011 at which no one appeared to object on behalf of the class I will grant the unopposed motion.
In his complaint filed on October 22, 2007 (Dkt. No. 1), representative plaintiff alleges that defendants entered into captive reinsurance arrangements for the purpose of receiving kickbacks, referral payments and unearned fee splits, which were collected in the form of excessive reinsurance premiums from private mortgage insurers to whom WMB and WMBfsb referred borrowers, in violation of Sections 8(a) and (b) of the Real Estate Settlement Procedures Act (RESPA), 12 U.S.C. §§ 2601 et seq.
After several years of litigation including a motion to dismiss by all defendants and an appeal therefrom, proceedings in Bankruptcy Court over the bankruptcy of WMI*fn2 , the dismissal of defendant Federal Deposit Insurance Company (FDIC) as receiver and party-in-interest for defendant Washington Mutual Bank (WMB) and formal mediation before Judge Cahn, the parties reached a settlement, the essential terms of which are as follows. The settlement class is to include:
All borrowers with residential mortgage loans closed on or after December 22, 2005 through September 25, 2008 that were originated by Washington Mutual Bank or Washington Mutual Bank fsb and reinsured by Washington Mutual Mortgage Reinsurance Company, excluding borrowers with residential mortgage loans purchased on the secondary market and residential mortgage loans insured with lender-paid PMI.
Defendants have funded a settlement fund in the amount of $4,000,000 for the benefit of the settlement class. The settlement amount will pay: (1) settlement payments to each participating class member on a pro rata basis; (2) a case contribution award to the representative plaintiff not to exceed $2,500; (3) attorneys' fees and litigation costs of plaintiffs' counsel totaling no more than 30% of the settlement amount; (4) the fees and costs of the settlement administrator; and (5) any other administrative costs incurred in connection with the implementation of the settlement agreement. The settlement includes a release and waiver in exchange for the class members' relief.*fn3 The parties agree that the proposed settlement is a fair and reasonable compromise of their claims.
On June 4, 2012, after more than four years of litigation, representative plaintiff filed an unopposed motion for preliminary approval of the proposed class action settlement (Dkt. No. 89). On June 25, 2012, the Court entered an Order preliminarily approving the Settlement, conditionally certifying the Class for settlement purposes, approving the form and manner of class notice, and setting a date for a final approval hearing.
Lead class counsel retained the professional settlement administration firm of The Garden City Group, Inc. to perform settlement administration services. On August 9, 2012, a Notice of Class Action Settlement was mailed to 42,584*fn4 potential class members and posted on a dedicated settlement website (www.wmrespamisettlement.com). Lead class counsel also established a toll-free telephone number which Class Members were, and will continue to be, able to call if they have questions. Class members were informed that they could elect to opt-out of the class and not be bound by the settlement agreement. As of November 7, 2012, the Garden City Group had received only 5 opt-outs from the 42,584 members of the class. Dkt. No. 97 at ¶ 27. The Court held a fairness hearing on November 27, 2007. Counsel for the representative plaintiff and the defendants appeared at the fairness hearing and spoke on behalf of their clients. No objectors made an appearance.
"When presented with an unopposed motion for class certification and settlement approval, a court must separate its analysis of the class certification issue from its evaluation of the settlement's fairness." In re Am. Investors Life Ins. Co. Annuity Mktg.and Sales Practices Litig., 263 F.R.D. 226, 234 (E.D. Pa. 2009), citing In re Brokerage Antitrust Litig., 579 F.3d 241, 257 (3d Cir. 2009). I will first address the issue of class certification for the settlement class and will the consider the fairness of the settlement.
I. Class Certification
"Actions certified as settlement classes must meet the same requirements under Rule 23 as litigation classes." In re Gen. Motors Corp. Pick-Up Truck Fuek Tank Prods. Liab. Litig., 55 F.3d 768, 799 (3d Cir. 1995). In determining whether a settlement class should be certified, district courts must apply an even more rigorous, "heightened standard" in cases "where settlement negotiations precede class certification, and approval for settlement and certification are sought simultaneously." . . . [T]his "heightened standard" is designed to ensure that class counsel has demonstrated sustained advocacy throughout the course of the proceedings and has protected the interests of all class members.
In re Pet Food Prods. Liab. Litig., 629 F.3d 333, 349-50 (3d Cir. 2010). Representative plaintiff must satisfy the four elements of Rule 23(a) and one or more of the requirements of Rule 23(b).
A. Numerosity, Commonality, Typicality, Adequacy of Representation
Rule 23(a) states that:
One or more members of a class may sue or be sued as representative parties on behalf of all only if (1) the class is so numerous that joinder of all members is impracticable, (2) there are questions of law or fact common to the class, (3) the claims or defenses of the representative parties are typical of the claims or defenses of the class, and (4) the representative parties will fairly and adequately protect the interests of the class.
Fed. R. Civ. P. 23(a). "These four elements are referred to in the short-hand as (1) numerosity, (2) commonality, (3) typicality, and (4) adequacy of representation." In re Corel Corp. Secs. Litig., 206 F.R.D. 533, 539 (E.D. Pa. 2002). "Rule 23(a) ensures that the named plaintiffs are appropriate representatives of the class whose claims they wish to litigate" and "effectively limit[s] the class claims to those fairly encompassed by the named plaintiff's claims." Wal-Mart Stores, Inc. v. Dukes, 131 S. Ct. 2541, 2550 (2011), citing Gen. Tel. Co. of Southwest v. Falcon, 457 U.S. 147, 156 (1982).
1. Numerosity
The numerosity requirement is met when "the class is so numerous that joinder of all members is impracticable." Fed. R. Civ. P. 23(a)(1). A "class does not need a magic number of claimants" nor must the"[plaintiffs] allege the exact number or identity of the class members." Cohen v. Chi. Title Ins. Co., 242 F.R.D. 295, 300 (E.D. Pa. 2007). While there is no precise number of putative class members that will ensure the numerosity requirement is met, a potential class exceeding forty members is generally considered sufficient. See Stewart v. Abraham, 275 F.3d 220, 226-27 (3d Cir. 2001); Gates v. Rohm and Haas Co., 265 F.R.D. 208, 215 (E.D. Pa. 2010) (finding that the threshold is approximately 40 class members). Here, as defendants concede, representative plaintiff readily meets the numerosity requirement and estimates that the Class will include approximately 42,570 loans.
2. Commonality
Rule 23(a)(2) "provides that a proposed class must share a common question of law or fact." Sullivan v. DB Investments, Inc., 667 F. 3d 273, 311 (3d Cir. 2011). "Commonality requires the plaintiff to demonstrate that the class members have suffered the same injury." Wal-Mart, 131 S. Ct. at 2551 (citations and internal quotation omitted). That is "[t]heir claims must depend upon a common contention . . . . That common contention, moreover must be capable of classwide resolution -- which means that determination of its truth or falsity will resolve an issue that is central to the validity of each one of the claims in one stroke." Id.
The common contention here is that defendants allegedly collected a portion of borrowers' mortgage insurance premiums for reinsurance services that representative plaintiff alleged exceeded and were not commensurate with the value of services actually rendered. The complaint alleges common questions of law and fact including, among others, whether defendants' captive reinsurance arrangements involved sufficient transfer of risk; whether payments to Washington Mutual's captive reinsurer exceeded the value of any services actually performed; whether Washington Mutual's captive reinsurance arrangements constituted unlawful kickbacks from private mortgage insurers; and whether defendants accepted a portion, split or percentage of borrowers' private mortgage insurance premiums other than for services actually performed. Representative plaintiff has raised sufficient common questions of law and fact to satisfy the commonality requirement.
3. Typicality
Typicality requires the Court to assess "whether the action can be efficiently maintained as a class and whether the named plaintiffs have incentives that align with those of absent class members so as to assure that the absentee's interests will be fairly represented." Baby Neal v. Casey, 43 F.3d 48, 57 (3d Cir.1994). "[F]actual differences will not render a claim atypical if the claim arises from the same event or practice or course of conduct that gives rise to the claims of the class members, and if it is based on the same legal theory." Hoxworth v. Blinder, Robinson & Co., 980 F.2d 912, 923 (3d Cir. 1992) (citations and internal quotations omitted). "The heart of this requirement is that the plaintiff and each member of the represented group have an interest in prevailing on similar legal claims." Seidman v. Am. Mobile Sys., Inc., 157 F.R.D. 354, 360 (E.D. Pa. 1984).
Representative plaintiff's claims in this case -- that he obtained a loan through Washington Mutual and was required to purchase private mortgage insurance from a provider who then allegedly reinsured that loan through WMMRC pursuant to the captive reinsurance arrangements at issue in this lawsuit -- are typical of those of the proposed settlement class as they derive from the same factual predicates and rely upon the same legal theory.
4. Adequacy of Representation
Rule 23(a)(4) requires a finding that "the representative parties will fairly and adequately protect the interests of the class." Fed. R. Civ. P. 23 (a)(4). Rule 23(a)(4), insures "[t]hat the representatives and their attorneys will competently, responsibly and vigorously prosecute the suit." Bogosian v. Gulf Oil Corp., 561 F.2d 434, 449 (3d Cir. 1977), cert. den. 434 U.S. 1086 (1978). The Court must be satisfied that: (a) plaintiffs' attorneys are qualified, experienced, and able to conduct the litigation on behalf of the settlement class members; and (b) the interests of the named representatives are not antagonistic to those of other class members. See In re Warfarin Sodium Antitrust Litig., 391 F.3d 516, 532 (3d Cir. 2004); In re Gen. Motors, 55 F.3d at 800-01 (3d Cir. 1995).
Plaintiffs' counsel possess the skill, experience and qualifications necessary to conduct the litigation on behalf of the settlement class members. Further, the Court has not been apprised of any conflict between the interests of representative plaintiff and the other members of the settlement class.
B. Maintainability of the Class Action
In addition to satisfying all of the criteria of Rule 23(a), a party seeking class certification must also satisfy one of the requirements of Rule 23(b). Representative plaintiff seeks to maintain this class action under Rule 23(b)(3), which permits class action lawsuits when "the court finds that the questions of law or fact common to the members of the class predominate over any questions affecting only individual members, and that a class action is superior to other available methods for the fair and efficient adjudication of the controversy." Fed. R. Civ. P. 23(b)(3).
1. Predominance
Predominance "tests whether proposed classes are sufficiently cohesive to warrant adjudication by representation." Amchem Prods., Inc. v. Windsor, 521 U.S. 591, 594 (1997). "[T]the focus of the predominance inquiry is on whether the defendant's conduct was common as to all of the class members, and whether all of the class members were harmed by the defendant's conduct." In re Processed Egg Products Antitrust Litig., 284 F.R.D. 249, 263 (E.D. Pa. 2012), citing Sullivan v. DB Investments, Inc., 667 F.3d 273, 297 (3d Cir. 2011).
Class members seek to remedy common legal grievances -- namely, the allegedly improper reinsurance scheme perpetuated by defendants. The relevant factual circumstances of each settlement class member are the same in that defendants' conduct did not vary with regard to individual class members. Further, the necessary proof consists almost exclusively of an evaluation of defendants' actions or inactions. See, e.g., In re Prudential Ins. Co. of Am. Sales Practices Litig. Agent Actions, 148 F.3d 283, 314 (3d Cir. 1998) (affirming lower court's finding of predominance where plaintiff alleged defendant engaged in "common scheme" or uniform practice). I conclude that the common issues of the class members predominate over any individual issues.
2. Superiority
Superiority requires the court to "balance, in terms of fairness and efficiency, the merits of a class action against those of alternative available methods of adjudication." Id. at 316. I must consider "(1) class members' interests in individually controlling the prosecution of separate actions; (2) the extent and nature of any litigation concerning the controversy already begun; (3) the desirability of concentrating the litigation of the claims in a particular forum; and (4) the likely difficulties in managing a class action. Esslinger v. HSBC Bank Nevada, N.A., No. 10-3213, 2012 WL 5866074, at *5 (E.D. Pa. Nov. 20, 2012), citing Fed. R. Civ. P. 23(b)(3).
In the case of small RESPA-related claims, the United States District Court for the Eastern District of New York recently held that, in appropriate circumstances, a single class action is superior to a multitude of individual lawsuits, since "[g]iven these small individual sums, there can be little benefit derived from individual prosecution or control." Cohen v. J.P. Morgan Chase & Co., 262 F.R.D. 153, 159 (E.D.N.Y. 2009). Allowing the more than one thousand covered homeowners in the settlement class in this action to file individual lawsuits would waste judicial resources in the event of litigation, since representative plaintiff contends that each lawsuit would likely involve the same evidence regarding defendants' reinsurance programs as well as the same issue as to whether the programs violated RESPA. A class action here promotes judicial economy, avoids inconsistency, and provides a single forum to resolve numerous common claims. I find that the superiority requirement is satisfied in this case.
Because I find that representative plaintiff has satisfied the requirements of Rule 23(a) and 23(b)(3), I will certify the class for settlement purposes.
II. Notice to the Class
"A court must determine that notice was appropriate before evaluating the merits of the settlement itself." In re Am. Investors Life Ins. Co., 263 F.R.D. at 237 (citation omitted). Notice must be given to potential class members by the best notice practicable under the circumstances for all classes certified under Rule 23(b)(3). Fed. R. Civ. P. 23(c)(2)(B).
The notice must clearly and concisely state in plain, easily understood language: (i) the nature of the action; (ii) the definition of the class certified; (iii) the class claims, issues or defenses; (iv) that a class member may enter an appearance through an attorney if the member so desires; (v) that the court will exclude from the class any member who requests exclusion; (vi) the time and manner for requesting exclusion; and (vii) the binding effect of a class judgment on members under Rule 23(c)(3).
Id. I find that the notice provided to the class members meets these requirements.
The settlement administrator mailed notice to potential class members after reviewing and updating address information for potential class members associated with 42,570 properties. Co-borrowers connected to the same address were each sent a copy of the notice. The four page long notice was written in simple English and was no more complicated than necessary for the class members to understand the settlement of this complex litigation. It informed class members of their right to opt-out of the class and not be bound by the settlement. Class members seeking additional information could review the information posted along with the notice on a settlement website including the complaint, the settlement agreement with exhibits, the motion for preliminary approval and settlement papers, the preliminary approval Order, the proposed plan of allocation and a list of frequently asked questions. Class members with questions were directed to contact lead class counsel via a dedicated email address and toll free telephone number.
III. Final Approval of Settlement
Having determined that the proposed class may properly be certified and that notice to the proposed class was appropriate, I must determine whether the proposed settlement should be approved. I must evaluate the fairness of the proposed settlement under Rule 23(e) of the Federal Rules of Civil Procedure, which provides that "[t]he claims, issues, or defenses of a certified class may be settled, voluntarily dismissed, or compromised only with the court's approval."
Fed. R. Civ. P. 23(e). In other words, "a class action cannot be settled without the approval of the court and a determination that the proposed settlement is 'fair, reasonable and adequate.'" In re Prudential, 148 F.3d at 316, quoting In re General Motors Corp. Pick-Up Truck Fuel Tank Prods. Liab. Litig., 55 F.3d 768, 785 (3d Cir. 1995). In making my "independent, scrupulous analysis of the settlement terms," I bear in mind the "overriding public interest in settling class action litigation." In re Pet Food, 629 F.3d at 351 (citations and internal quotations omitted).
The Court of Appeals for the Third Circuit has identified nine factors for the Court to consider in evaluating the fairness, adequacy, and reasonableness of a proposed class action settlement:
(1) the complexity, expense and likely duration of the litigation; (2) the reaction of the class to the settlement; (3) the stage of the proceedings and the amount of discovery completed; (4) the risks of establishing liability; (5) the risks of establishing damages; (6) the risks of maintaining the class action through the trial; (7) the ability of the defendants to withstand a greater judgment; (8) the range of reasonableness of the settlement fund in light of the best possible recovery; (9) the range of reasonableness of the settlement fund to a possible recovery in light of all the attendant risks of litigation.
Girsh v. Jepson, 521 F.2d 153, 157 (3d Cir. 1975) (internal quotation marks and ellipses omitted). When appropriate, the Court should also consider other factors, including: the maturity of the underlying substantive issues, as measured by experience in adjudicating individual actions, the development of scientific knowledge, the extent of discovery on the merits, and other facts that bear on the ability to assess the probable outcome of a trial on the merits of liability and individual damages; the existence and probable outcome of claims by other classes and subclasses; the comparison between the results achieved by the settlement for individual class or subclass members and the results achieved-or likely to be achieved-for other claimants; whether class or subclass members are accorded the right to opt out of the settlement; whether any provisions for attorneys' fees are reasonable; and whether the procedure for processing individual claims under the settlement is fair and reasonable.
In re Prudential, 148 F.3d at 323. "[D]istrict courts must make findings as to each of the Girsh factors, and the Prudential factors where appropriate," and "cannot substitute the parties' assurances or conclusory statements for [their] independent analysis of the settlement terms." In re Pet Food, 629 F.3d at 349-51. Applying these factors, I find that the proposed settlement is fair, reasonable and adequate.
1. Continued litigation would be complex, expensive and lengthy.
Prior to reaching a settlement, this litigation had gone on for over four years. If the parties were to continue to litigate this case, further proceedings would be complex, expensive, and lengthy. For example, although information was exchanged informally during the mediation, formal discovery would still need to be completed. The issues that likely would need to be tried are complex, involving expert analyses of whether seven different reinsurance agreements provided for adequate transfer of risk between WMMRC and non-party mortgage insurance providers. That a settlement would eliminate delay and expenses and provide immediate benefit to the class militates in favor of approval. See, e.g. In re Janney Montgomery Scott LLC Fin. Consultant Litig., No. 06-3202, 2009 WL 2137224, at *8 (E.D. Pa. July 16, 2009) (finding the first factor weighed in favor of settlement where "settlement allows both the class and Defendant to avoid the obstacles presented by protracted litigation" and "[c]onsiderable time, money and resources will be saved by approving the settlement").
2. There is little substantive opposition to the settlement.
"Courts have generally assumed that silence constitutes tacit consent to the agreement." Chakejian v. Equifax Info. Servs., LLC, 275 F.R.D. 201, 212 (E.D. Pa. 2011) (citations and internal quotation omitted). Only five class members have opted out from a settlement class of 42,584 transactions. See Dkt. No. 97 at ¶ 27. Moreover, nobody has filed a formal objection to the proposed settlement. The Attorney General of Texas contacted defendants in November with a now-resolved concern regarding the scope of the proposed settlement's release and its potential to circumscribe the State's civil enforcement powers. The release language has been modified to clarify the intent of the parties. To the extent the language has any substantive effect on the scope of the release, it does so in a way that narrows the scope of the release and thus has no adverse impact on the rights of class members under the proposed settlement. I find that this factor weighs in favor of approval.
3. Settlement was reached after substantial pre-trial briefing and discovery.
Approval of a settlement is favored where "[t]he parties arrived at an arms-length settlement . . . [with] a clear view of the strengths and weaknesses of their case." Bonett v. Educ. Debt Servs., No. 01-6528, 2003 WL 21658267, at *6 (E.D. Pa. May 9, 2003) (citation and internal quotation omitted). The parties engaged in an active pre-mediation exchange of information before reaching a settlement. Additionally, the parties engaged in extensive briefing in both the Bankruptcy Court and this Court on issues related to the merits. The proceedings and discovery undertaken provided counsel for both parties with an adequate appreciation of the merits of the case before negotiating the settlement. I find that the third Girsh factor favors approval of the settlement.
4. Plaintiffs faced a real risk that the First Amended Complaint would not survive summary judgment proceedings or a trial on the merits.
Success on the merits of plaintiffs' claims against the remaining defendants was not certain. Plaintiffs' contend that defendants violated Section 8 of RESPA because the reinsurance agreements between WMMRC and certain nonparty private mortgage insurance providers did not constitute bona fide reinsurance. Plaintiffs bear the burden of showing causation, an issue that would have resulted in a debate between opposing expert witnesses. Further, I previously dismissed plaintiffs' claims against the FDIC, leaving only three active defendants: WMI (in bankruptcy court), WMBfsb and WMMRC.
Plaintiffs' claim against WMI arose from its status as the ultimate parent of other defendants. Plaintiffs asserted that WMI was liable for the acts of WMMRC because the two companies were held out as one entity or because WMMRC was acting as an authorized agent of WMI. Similar veil-piercing theories were rejected in the WMI bankruptcy case. See In re Washington Mutual, Inc., 418 B.R. 107, 113-15 (Bankr. D. Del. 2009).
Had this case continued to trial, WMBfsb might have prevailed on its theory that plaintiffs lacked standing to sue because they do not allege that WMBfsb gave or received any compensation for the referral of settlement services in their transactions. WMBfsb contends that it did not originate or have any connection with plaintiffs' loans
With respect to their claims against WMMRC, plaintiffs would have had to prove that the reinsurance agreements entered into by WMMRC failed to adequately transfer risk from the non-party mortgage insurance providers. Such a determination would require complex expert analysis, making plaintiffs' claims dependent on the outcome of a battle of expert witnesses. Further, when this case was originally filed, plaintiffs alleged that defendants had never paid any reinsurance claim. WMMRC asserts that due to changes in the mortgage market, it has since paid numerous claims to mortgage insurance providers under the reinsurance agreements at issue in this action.
Considering all of the above, I find that the fourth Girsh factor supports approval of the settlement.
5. Plaintiffs faced a strong likelihood that their recovery would be significantly lower than the settlement amount.
Even assuming defendants' liability, it is not certain that plaintiffs could recover as much in damages as the settlement provides them. Plaintiffs sought three times the amount of all mortgage insurance premiums paid by class members. RESPA's treble damages remedy applies to "the amount of any charge paid for [a] settlement service." 12 U.S.C. 2607(d)(2) (emphasis added). Defendants would contest the plaintiffs' position that mortgage insurance constitutes a settlement service. Defendants also contend that not all premiums paid for mortgage insurance at any time during the life of a mortgage loan are paid for a "settlement service." Accordingly, any recovery of statutory damages could be limited to three times the amount of each class member's payment for mortgage insurance at settlement. I find that this factor weighs in favor of settlement.
6. There is a strong likelihood that a class would not be certified.
It is also possible that outside of settlement, this Court would not certify a class, or would certify only a smaller class. Other courts have denied certification of similar RESPA claims. See, e.g., Contos v. Wells Fargo Escrow Co., LLC, No. C08-838Z, 2010 WL 2679886 (W.D. Wash. July 1, 2010). Defendants contend they would aggressively oppose class certification and that they have several viable defenses that cannot adequately be litigated on a class-wide basis. This factor supports approval of the settlement.
7. Defendants might not be able to withstand a significantly greater judgment.
Defendants contend that their ability to withstand a greater judgment is questionable given current economic climate and the significant changes that each defendant has undergone since this suit was filed, including bankruptcy. I agree and find that this factor weighs in favor of settlement.
8 & 9. The settlement fund is reasonable compared to the best possible recovery and in light of the risks of continued litigation.
The settlement fund of $4 million represents approximately $94 per borrower. Analyzed in conjunction with the risks of continued litigation, the settlement amount is a reasonable proportion of the best possible recovery. Defendants contend that plaintiffs' recovery should not be based on the total amount of PMI paid by the class during the class period, but should be limited to no more than three times the amount paid for mortgage insurance at closing -- on average approximately $300 per borrower. Given uncertainty regarding the appropriate measure of damages and the asserted distressed financial condition of the defendants, the proposed settlement amount is reasonable. The eighth and ninth Girsh factors support approval of the settlement.
Because I conclude that application of the Girsh factors results in a conclusion that the settlement is fair, reasonable and adequate under Rule 23(e), I will approve the settlement.
IV. Plan of Allocation
"Approval of a plan of allocation of a settlement fund in a class action is governed by the same standards of review applicable to the approval of the settlement as a whole: the distribution plan must be fair, reasonable and adequate." Mehling v. N.Y. Life Ins. Co., 248 F.R.D. 455, 463 (E.D. Pa. 2008) (citations and internal quotation omitted). "Generally, a plan that reimburses class members based on the nature and extent of their injuries is considered reasonable." Id.
Settlement benefits will be distributed on a per-loan basis. Dkt. No. 95-1 at ECF p. 15. After payment of administrative costs, attorneys' fees and expenses and representative plaintiff's case contribution award, the net settlement amount will be allocated to participating class members on a pro rata basis. Id. Following final approval, the settlement administrator will mail to participating class members a check in the amount of their pro rata distribution. In the event that any checks are not cashed within 120 days from the date of issue, and if lead class counsel and counsel for defendants determine that it would be cost effective, the total funds constituting all uncashed checks will be redistributed on a pro rata basis to participating class members who cashed their settlement checks within 120 days. Id. Any settlement checks from this redistribution that remain uncashed within sixty days from their date of issue will be applied towards administrative costs that have not already been paid from the settlement fund. Id. Should any funds remain after the redistribution and payment of administrative costs, the defendants will be entitled to such funds. Id. I conclude that the plan of allocation satisfies the standard set forth in Rule 23.
V. Appointment of Class Counsel
Having granted final certification of the class, I "must appoint class counsel." Fed. R. Civ. P. 23(g)(1); see also Sheinberg v. Sorensen, 606 F.3d 130, 132 (3d Cir.2010) ("[U]nder the plain language of the rule, a district court's decision to certify a class must precede the appointment of class counsel."). In appointing class counsel, I must consider: (i) the work counsel has done in identifying or investigating potential claims in the action; (ii) counsel's experience in handling class actions, other complex litigation, and the types of claims asserted in the action; (iii) counsel's knowledge of the applicable law; and (iv) the resources that counsel will commit to representing the class.
Fed. R. Civ. P. 23(g)(1)(A). Representative plaintiff moves for the appointment of Kessler Topaz Meltzer & Check, LLP as lead class counsel and the law firms of Bramson, Plutzik, Mahler & Birkhauser, LLP; Berke, Berke & Berke and Travis, Calhoun & Conlon as class counsel. In support of his request for appointment of class counsel, representative plaintiff has submitted information detailing the attorneys' qualifications. See Dkt. No. 89-5 at ECF p. 1-59; Dkt. No. 97 at ¶¶ 61-69; Dkt. No. 97-2 at ECF p. 1-38, 44-54, 60-63; Dkt. No. 99. Counsel have capably pursued this litigation on behalf of the class and negotiated the settlement on behalf of plaintiffs. Their work on the claims in this case has involved the expenditure of a substantial amount of time resources. I conclude that counsel's work on this case and their prior experience suffice to show that these firms are qualified to fairly and adequately represent the interests of the settlement class.
An appropriate Order follows.
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Prous Predictive Pharmacology
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Prous Science Integrity (now known as Thomson Reuters Integrity) is a drug discovery platform created by Thomson Reuters which hosts Prous Predictive Pharmacology, an analysis module that includes chemical visualization and data mining tools. An August 2008 press release from Thomson Reuters describes how the Predictive Pharmacology Module is based on technology developed by the Prous Institute for Biomedical Research, and "the module details up to three potential mechanisms of action for nearly 100,000 lead compounds with chemical structures in Prous Science Integrity."[1]
Three main components make up the Predictive Pharmacology Module:[1]
No mention of the Predictive Pharmacology Module is evident on the webpage describing Thomson Reuters Integrity, but an Experimental Pharmacology Knowledge Area is described on the Integrity webpage as containing "data from experimental studies that delineate drug/receptor and enzyme/target cell interactions."[2]
- The Predictive Pharmacology component assists in the discovery of unknown mechanisms of action for compounds with a demonstrated therapeutic effect. It allows end-users to discriminate between active and inactive compounds for specific pharmacological activities and also to determine areas in which recently patented or established compounds can be repurposed.
- The Discovery Maps component enables end-users to visually analyze data and discover wider relationships.
- The Molecular Datacenter component enables end-users to search for and display constitutional, topological, and physicochemical property descriptors.
- ↑ 1.0 1.1 "Thomson Reuters Launches New Predictive Pharmacology Module as Part of its Prous Science Integrity Platform." Thomson Reuters website. Published August 28, 2008. http://thomsonreuters.com/content/press_room/science/2759891. Accessed October 12, 2011.
- ↑ "Thomson Reuters Integrity." Thomson Reuters website, http://thomsonreuters.com/products_services/science/science_products/a-z/integrity/#tab2. Accessed October 19, 2011.


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We're getting heavy readings of 90's vibes coming from this one. Bust out your Gak and your portable compact disc player, we're going on a little field trip.
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Question;Ethics Module;Schedule;Available now. Due;02/23/2014 11:59 PM EST;Top of Form;Question;1;Select one answer.;10 points;Marie has a part time business selling jewelry. At her full time;job as an accountant, she uses the company employee database to obtain;addresses for employees that she knows well so she invite them to a party at;her home designed to let them see and buy jewelry. Is this acceptable use?;?;Yes;?;No;?;Maybe;Question;2;Select one answer.;10 points;Which of the following is usually one of the purposes of a user;access agreement?;?;To prevent;employees from acting illegally;?;To inform employees;about acceptable and unacceptable uses of IT resources;?;To encourage;employees to create more secure passwords;?;To inform potential;employees of company IT policies;Question;3;Select one answer.;10 points;What is the purpose of a user access agreement?;?;to define all;approved uses of the company?s IT resources;?;to define every;sanction to be applied if a violation occurs;?;to outline in;general the acceptable and unacceptable use of IT resources;?;to outline all;acceptable and unacceptable behavior of all company employees;Question;4;Select one answer.;10 points;Would the following be considered a violation of a user access;agreement?;knowingly uploading or distributing files that contain viruses;spyware, or any other similar software or programs that may damage the;operation of another's computer;?;yes;?;no;?;maybe;Question;5;Select one answer.;10 points;?While employed at this company, no information obtained in the;course of employment may be used to advance personal gain, including financial;reward.? This statement would most likely be found in a;?;user access;agreement;?;employee code of;conduct;?;professional;association code of conduct;Question;6;Select one answer.;10 points;Which of the following issues would most likely NOT be addressed;in an employee code of conduct?;?;relationships with;clients, suppliers, or people outside the company;?;compensation tables;for all employee categories;?;general employee;conduct while at work;?;sexual harassment;Question;7;Select one answer.;10 points;A friend shares a bootlegged copy of a movie on DVD. Are you in;violation of copyright laws by watching this DVD?;?;Yes. If you are;aware that it is bootlegged, you are as guilty as the person who created the;bootlegged copy in the first place.;?;No. Only the person;who made the bootlegged copy is guilty of violating copyright laws.;Question;8;Select one answer.;10 points;You make a copy of a software application CD or DVD to lend to a;friend. Is this legal?;?;yes;?;no;Question;9;Select one answer.;10 points;You download a copy of a software program that is ?shareware.?;The download agreement specifies that you are allowed to freely download and;share the download link with others to try it out for 30 days. Since you are an;experienced programmer, you decide to alter the mechanism that causes the;program to stop functioning unless paid for after the 30 day trial, just in;case you don?t use it enough during the trial period to decide if you want to;buy it. Are you in violation of copyright law?;?;Yes;?;No;Question;10;Select one answer.;10 points;The Digital Millennium Copyright Act...;?;ensures that;Internet service providers (ISPs) have no penalties or obligations resulting;from illegal software being posted on their sites.;?;allows copying or;distribution of copies of copyrighted software.;?;provides penalties;for bypassing or providing tools to bypass protection mechanisms built into;copyrighted software.;?;addresses only;copyrighted software issues.;Question;11;Select one answer.;10 points;In the list below, which online social networking activity might;be considered dangerous and possibly result in a negative outcome?;?;Postings tips;project photos, and ideas on a hobby-related forum.;?;Posting your resume;on a job-seeking or job-posting site.;?;Posting photos of;oneself that might be considered risqu? or offensive.;?;Posting vacation;photos after you have returned home.;Question;12;Select one answer.;10 points;Which of the following statements is true?;?;Cyberbullies attack;only minors.;?;Cyberstalking is;the cyberbullying of an adult.;?;Cyberstalkers;rarely request face-to-face meetings with their victims.;Bottom of Form;Privacy;Module;Schedule;Available now. Due;02/23/2014 11:59 PM EST;Top of Form;Question;1;Select one answer.;10 points;Gaining access to a user ID and password is most often used by;cyber criminals to;?;Burglarize houses;whose owners are on vacation;?;Steal personally;identifiable information in order to commit identity theft;?;Break into networks;?;Read personal;emails for the purpose of blackmailing;Question;2;Select one answer.;10 points;Would this incident be an example of social engineering?;Finding a music CD on the subway and playing it on your;computer.;?;yes;?;no;Question;3;Select one answer.;10 points;Social engineering is a technique used by those with a high;level of technical skills.;?;True;?;False;Question;4;Select one answer.;10 points;You are working as a receptionist at a real estate company. You;receive a phone call from one of the agents who asks for the email address of;another agent he needs to contact.;?;Social engineering;?;Not social;engineering;Question;5;Select one answer.;10 points;State the correct response to the following questions about;computer compromises.;Malware problems and other compromises of your computer;information are rare.;?;true;?;false;Question;6;Select one answer.;10 points;Which of the following is generally NOT considered PII?;?;Your library card;number;?;Your social;security number;?;Your driver license;number;?;Your bank account;number;Question;7;Select one answer.;10 points;Which of the following measures is least likely to help you;protect your PII?;?;logging off or;shutting down your computer when it?s not in use.;?;locking your;computer in the back of your car knowing that your car has an alarm.;?;keeping the;?remember me? button checked on a social networking site.;Question;8;Select one answer.;10 points;Can the following action be a result of your PII being;compromised.;Being denied access to your own bank account online.;?;yes;?;no;Question;9;Select one answer.;10 points;Indicate whether the following actions are the actions of a;person who will be a victim, or will not be a victim, of phishing attacks.;Deleting the attachment in an unexpected e-mail.;?;phishing victim;?;not a phishing;victim;Question;10;Select one answer.;10 points;Identify whether the following actions pose a risk of becoming a;phishing victim or do not pose a risk. Using a computer in his college?s open;lab, Oscar orders a textbook he needs from an online vendor by typing in their;url, using his credit card.;?;Not a risk of becoming;a phishing victim;?;Risk of becoming a;phishing victim;Question;11;Select one answer.;10 points;Indicate whether the following actions are the actions of a;person who will be a victim, or will not be a victim, of phishing attacks.;Clicking on a link to the URL https://www.g00gle.com.;?;phishing victim;?;not a phishing;victim;Question;12;Select one answer.;10 points;Which of the following emails is most likely to involve phishing;?;An email sent to;multiple recipients;?;An email from;someone you know;?;An email containing;a clickable url;?;An email that goes;to your email program?s spam folder;Question;13;Select one answer.;10 points;For the next question, indicate whether the actions are good;practices or bad practices to safeguard your personally identifiable;information. Anthony has spent time developing a super secure password. He now;uses it for all his accounts.;?;Good practice;?;Bad practice;Question;14;Select one answer.;10 points;For the next question, indicate whether the actions are good;practices or bad practices to safeguard your personally identifiable;information. You receive an email whose title line looks suspicious. Which of;the following actions is the safest?;?;Google the site the;email is coming from;?;Clicking an;?unsubscribe? link in the email;?;Deleting the email;without opening;?;Putting the site in;your spam filter rules so you don?t receive any more emails;Question;15;Select one answer.;10 points;Marina?s personal computer requires a password to get access.;?;good practice;?;bad practice;Security;Module;Schedule;Available now. Due;02/23/2014 11:59 PM EST;Top of Form;Question;1;Select one answer.;10 points;It?s more important to understand risk and compromise than it is;to use strong passwords.;?;true;?;false;Question;2;Select one answer.;10 points;A risk is a threat that a resource, for example a computer, may;be compromised.;?;True;?;False;Question;3;Select one answer.;10 points;The computer crashed just as Tatiana was accessing her e-mail.;The computer was scrapped because it couldn?t be fixed. The availability of;Tatiana?s e-mail is compromised.;?;true;?;false;Question;4;Select one answer.;10 points;Miguel has decided to use cloud storage. He needs to refer to;one of the files he has stored there, but his Internet service has been;interrupted by a power failure in his area. Which aspect of his resource (the;data he stored in the cloud) has been compromised?;?;Confidentiality;?;Integrity;?;Availability;Question;5;Select one answer.;10 points;Russell wrote his user ID and password to his work computer on a;piece of paper. He put the paper near his phone. He later realized that someone;could get into his account so he tore up the paper and threw it away. The;confidentiality of his account was compromised.;?;true;?;false;Question;6;Select one answer.;10 points;In the scenario below, identify which of the three dimensions is;primarily threatened or compromised.;The constant popups on his computer are making it difficult for;Alfonso to accomplish work that involves being on the Internet.;?;integrity;?;confidentiality;?;availability;Question;7;Select one answer.;10 points;A small company that keeps identical lists of employees in different;departments runs the risk of a compromise to which aspect of that data?;?;Availability;?;Confidentiality;?;Integrity;Question;8;Select one answer.;10 points;Which of the following is most likely to be spread by a USB;drive?;?;A virus;?;A Trojan horse;?;Spam;?;A worm;Question;9;Select one answer.;10 points;Sam?s bank advised him that his account was overdrawn. But Sam?s;records show he has $900 in his account. Sam learns from the bank that;someone?s been withdrawing money from his account online with his user ID and;password. What did the cybercriminal likely use to steal Sam?s account;information?;?;spyware;?;viruses;Question;10;Select one answer.;10 points;Which of the following is MOST likely to protect you against;cybercriminal attacks?;?;Having your email;program remember your password;?;Sharing your;password only for a good reason;?;Keeping your;software and operating system up to date;?;Using an easy to;remember password;Question;11;Select one answer.;10 points;A computer is completely compromised when it won?t turn on or;operate. The best way to fix it is;?;have it fixed by a;computer professional;?;change all of your;passwords in your online accounts;Question;12;Select one answer.;10 points;Your computer shuts down every time you try to access the;Internet with your browser. Which of the following is the most likely cause?;?;Your computer has;been compromised.;?;Your Internet;connection is faulty.;?;Your browser needs;to be reinstalled.;?;Your identity has;been stolen.;Ethics;Privacy, Security Unit;Schedule;Available now. Due;02/23/2014 11:59 PM EST;Top of Form;Question;1;Select one answer.;10 points;Where would you expect to find the following statement?;?I shall be willing to share my knowledge and expertise with;others and always act in such a way that reflects favorably on my profession.?;?;code of ethical;conduct for a professional organization;?;employee code of;conduct;?;user access;agreement;Question;2;Select one answer.;10 points;Why do professional associations develop a code of conduct for;members?;?;to guide and govern;the behaviors of its members;?;to ensure that the;members demonstrate behaviors that reflect positively on the organization and;that profession as a whole;?;to promote the;highest professional ethical and standards among their members;?;all of the above;professional associations self-regulate their members via a code of conduct.;?;none of the above;professional associations do not have the power to regulate or direct the;behavior of their members;Question;3;Select one answer.;10 points;Donnell backed up the information on his computer every week on;a flash drive. Before copying the files to the flash drive, he aways ran a;virus scan against the files to ensure that no viruses were being copied to the;flash drive. He bought a new computer and inserted the flash drive so that he;could transfer his files onto the new computer. He got a message on the new;computer that the flash drive was corrupted and unreadable, the information on;the flash drive cannot be retrieved. Assuming that the flash drive is not;carrying a virus, this situation reflects which of the following;?;compromise of the;security of the information on the flash drive.;?;risk of a potential;breach in the integrity of the data on the flash drive;?;neither;Question;4;Select one answer.;10 points;How is ?compromise? defined in the context of information;technology and information security?;?;A compromise is a;security breach that is always perpetrated by a malicious attacker.;?;A compromise is the;potential for an intrusion into a computer system or unauthorized access to an;online account, file, or other resource.;?;A compromise is a;breach in the security of a computer system, an account, a file, or another;online resource.;?;A compromise is a;security breach that is never the result of an accidental action by a user.;Question;5;Select one answer.;10 points;Which of the following would most likely to prevent your;becoming a victim of cyberstalking while using social networking?;?;Posting photos of;friends;?;Reading the privacy;policy of the social networking site;?;Minimizing;interaction with others on the social network;?;Monitoring your;privacy settings and adjusting as necessary;Question;6;Select one answer.;10 points;The most vulnerable information that should be protected to;prevent unauthorized access to your online files and records is;?;your name and;address;?;your user ID and;password;?;your driver?s;license number and credit card number;Question;7;Select one answer.;10 points;A friend gives you his single-user copy of a copyrighted;software application program so that you can load it on your computer. Who is;guilty of an inappropriate use of digital content sharing?;?;your friend;?;you;?;both of you;?;neither of you;Question;8;Select one answer.;10 points;One of the purposes of the Digital Millennium Copyright Act;is...;?;to discourage;Internet service providers from allowing file transfers.;?;to outline;penalties for bypassing or providing tools to bypass protection mechanisms;built into copyrighted software.;?;to provide;scenarios that define when it is legal to copy and sell copyrighted software.;?;none of the above.;Question;9;Select one answer.;10 points;Marissa maintains an account on a social networking site. She;always performs updates on her own time, making sure to avoid visiting the site;at work. Lately she has been upset by a new policy at her company and has made comments;about it on her social networking page. Which of the following parts of a Code;of Conduct is Marissa violating?;?;use your knowledge;of organizational information in a responsible way;?;take care of any;property assigned to you;?;maintain the;security and confidentiality of your user ID and password;?;use the;organization?s supplies and services for official purposes only;Question;10;Select one answer.;10 points;May holders of confidential information release it to authorized;users with permission?;?;yes;?;no;Question;11;Select one answer.;10 points;Medical records are protected by the Health Insurance;Portability and Accountability Act (HIPAA). Can your medical records be made;available to others who request this information (employers, insurance;companies, other doctors)?;?;Yes;?;No;Question;12;Select one answer.;10 points;The tools that cybercriminals often use, including computer;viruses, worms, trojan horses and spyware, are called;?;malware;?;denial of service;?;hacking;?;spam;Question;13;Select one answer.;10 points;Which of the following is good practice to ensure that you do;not get malware on your computer from an online source?;?;Update your;antivirus software either manually or automatically each time you connect to;the internet.;?;Use only the latest;version(s) of the brower(s) you normally use to access the internet.;?;Block all popups;(activate the popup blocker for all sites).;?;Do not open email;attachments.;Question;14;Select one answer.;10 points;PII is;?;information that;uniquely identifies you in records that can be obtained online.;?;always used to;illegally gain access to your online records.;?;safe because only;you have this combination of name, social security number, and bank account;credit card numbers, or driver?s license number.;Question;15;Select one answer.;10 points;Encryption of data means that;?;If you have lost;the password for an encrypted file on your computer, you can still retrieve the;data in that file.;?;information can be;stored or transmitted via shared media without risking disclosure;?;Secure websites;that employ encryption at the site or between your computer and the website;will start with "http://;Question;16;Select one answer.;10 points;Sara is using her personal laptop (which is password protected);at a "hotspot" at a local cafe with wifi access. She is in the middle;of placing an online order when friends arrive and she stops her work to visit.;What is her best (and most convenient) way to protect the PII that she has;already entered (she has only logged onto a site with her ID and password and;put some items in her basket for purchase)?;?;Exit all programs;and shut down the computer.;?;It is okay to stop;her work and leave the site open. Since she has not yet arrived at the Pay;information, her credit card information or pay type has not been entered.;?;Close the lid on;the laptop. In most cases this will put the computer in hibernate mode (closes;programs and shuts down the computer. All the programs and web pages that were;open will restart when the laptop is opened again.). Some information might be;lost on the order page, but that is safer than exposing her PII.;Question;17;Select one answer.;10 points;You log into your legitimate online classroom site with your;existing ID and password and are alerted that your password will expire in 14;days. You are directed to go to a Change Password site via a link on the login;page. Is it safe to continue to the link and change your password?;?;Yes;?;No;Question;18;Select one answer.;10 points;Online social networks are a totally safe environment in which;to expand one?s contacts and meet people from any part of the world.;?;True;?;False;Question;19;Select one answer.;10 points;What is the purpose of a user access agreement?;?;to outline all;acceptable and unacceptable behavior of all company employees;?;to outline every;sanction to be applied if a violation of the agreement occurs;?;to outline in;general the acceptable and unacceptable use of all company resources;?;to outline in;general approved and unapproved uses of the company?s IT resources;Question;20;Select one answer.;10 points;User access agreements (acceptable use policies) generally;outline the acceptable uses of IT resources, but seldom mention unacceptable;uses.;?;True;?;False;Bottom of Form;Save;Submit and Finish;Bottom of Form;Bottom of Form
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day 1
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i think slenderman has a history a past why he does what he does they always say every thing has a beginning and a end but no end for slenderman why he kills kids most why he wears black suits right!?


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Is this an outdoor attraction or activity?
Would this be a good sunny day activity?
Is this attraction pet friendly?
Would this be a good hot day activity?
Would this be a good cold day activity?
Does this attraction have good scenic or skyline views?
Is this attraction suitable for all ages?
Is this attraction popular with tourists?
Is this attraction a "must-see" location?
Does this attraction provide visitors with a taste of the local culture?
Thanks for helping!
This amphitheater (Roman Forum) is certainly worth a visit. It's a shame that the modern buildings are so close, however when inside you feel the history. You can see all the...
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This amphitheater (Roman Forum) is certainly worth a visit. It's a shame that the modern buildings are so close, however when inside you feel the history. You can see all the structures from the outside without paying the entrance fee. Still, I advice you to go inside (2 Euros) to get close and to be able to actually sit in...
Unfortunately not open to tourists right now, but you can have a good look of this site just by walking around it , easy to find it, in the center and on the weay to Agios Dimitrios church...It is definately worth more attention from the state...
This attraction has the disadvantage (for it anyway) of being very viewable from the streets that surround it on all four sides. I'm quite sure that there are some aspects you can't see unless you're up close but unless this is really your sort of thing I'd stick to the street view. Mind you, if you happen to be visiting...
there is a brochure in english, but just walking through with the imagination in tact is perhaps almost as valuable
This site was closed on the Monday I visited but you are able to walk around the circuit and view it from street level. Sadly I couldn't get close ups of the mosaics or read the information boards but it looked an interesting excavation.
Spoilt by the 3 columns built to represent the original columns. Fascinating to hear that there is a hidden city beneath Thessaloniki. Worth a look if you can hear the commentary of your tour guide
Although there are bigger forums elsewhere in Greece and Italy, this Greek Agora and Roman Forum is still an interesting visit. I stumbled across these ruins when leaving the Church of Agios Dimitrios. They are worth a stop over when walking around Thessaloniki.
The Greek Agora and Roman Forum is situate close to Church Agia Sofia.
It is a nice place loaded with history.
Nothing spectacular but worth to see it.
On the way up to the Church of Agios Dimitrios one passes by the Agora, it's a nice site to see but not worth much time especially if you've been to Rome.
We saw this at the end of a our of Greece. Compared to the other forums we saw, this is not at all impressive. It is only partially excavated. Right now the main part is closed to tourists.


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WAYNE - A burglar in Wayne has chosen an unusual mode of transportation as a getaway vehicle.
Police say a serial robber has struck several homes in the North Jersey town since December, and he's fleeing the scenes on a bicycle. The suspect strikes on the weekends at around dusk, and authorities believe he waits until residents leave their homes.
The burglar had been looking for open windows. This past weekend, however, he broke a sliding glass door to gain entry into a home.
Police say the suspect is generally after smaller items like jewelry and cash, because he's unable to transport larger big ticket items like televisions.
Residents are being told to leave lights on when they go out and to keep their eyes out for anything suspicious.


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Mind Map App
Using Google Docs to Create Interactive Mind Maps
Google Draw: Tips for Making Mind Maps | Teacher Tech
Every wonder what's holding you back at work and in your career? It might be something more simple than you think. Have you ever lost track
Welcome to Part 5 of "There's A Special App For That" series on iPhone, iPod Touch and iPad apps for students with special needs. In this post we round up 5 great mind mapping apps for children with learning disabilities who are visual learners.
Creating a stimulating & effective mind map: 1. Start with the central topic 2. Use an image as your central idea to help with imagination 3. Use color to stimulate the brain and creativity 4. Connect "Branches" to the central image to establish structure & relationships. 5. Use curves – this looks more interesting visually 6. Use one main topic or keyword per line 7. Use LOTS of images..."a picture paints a thousand words"
The Best Mind Mapping Tools and Apps for Teachers and Students ~ Educational Technology and Mobile Learning
Project management doesn't need to be a complicated thing, not if you have apps that make things a whole lot simpler. When you have project management apps, you can take care of your team, tasks and deadlines, without even being in the office.
Mind Mapping Software - Create Mind Maps online. Mindmeister is a great mind-mapping tool that can help students develop and organize project ideas. students can wok together to plan and analyze potential projects.
Mind Map tips
How to Mind-Map Your Day, wondering if there's an app. I do this all the time. Didn't know there was a name for it.