text:
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Sequin Cushion - Gold
Shiny and vibrant, this sequen cushion is just what you need to lend some character to your interior spaces.

Made of polypropylene (cover) and polyester (filling)

The images show the front and back of the cushion. Pack includes only 1 cushion.

Size: 43cm x 43cm

Colour: Gold

Warning: Choking Hazard. Contains small parts. Follow usage instructions carefully.

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Shiny and vibrant, this sequen cushion is just what you need to lend some character to your interior spaces.
- Made of polypropylene (cover) and polyester (filling)
- The images show the front and back of the cushion. Pack includes only 1 cushion.
- Size: 43cm x 43cm
- Colour: Gold
- Warning: Choking Hazard. Contains small parts. Follow usage instructions carefully.
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text:
Love Finally Found 480 Years Later
We strongly recommend to read with this amazing tune!
"I'll be waiting on that watchtower
until I see you coming back to me
even if my heart keeps aching
I will always feel your love
I'll be carrying the flower
that you left with me
I will keep fantasizing
that one day you will return to me!
Silently the time is running
Silently my heart is not pounding
as hard as it should be..."
Isabella de Bobadilla
Hernando DeSoto is ready to sail up north with his 10 ships.
An eroding pause of six weeks is finally over. 'Adelantado' DeSoto left Spain back in April. He certainly wanted to make history with the Gold earned from his enterprise from Inca Peru.
King Charles V from Spain made him Governor of Cuba an whatever land he could claim up north for the Throne and for Christendom!
Isabella de Bobadilla, daughter of Pedro Arias de Avila, was married to him for 3 years and came to Cuba with Hernando and 600 people from Puerto de Palos, with the purpose of colonizing the southern most tip of virgin North America. Isabella stayed in Havana as a Governess in charge, until Hernando's return from his first trip to today's Florida. The main idea was to find the shortest way to Cipango or Japan. Was this enterprise bound for disaster?
Six ships and four Caravels are being loaded with swines, dry beans, salt, goats and grains. Young Spaniards eager for adventure and fortune start bringing the sails down.
Isabella is looking for her husband who supposedly is around somewhere. She is 20 years old brunette, medium size young woman, dressed fashionable. "Andres, have you seen my husband?" asks the new Governess.
"Doña Isabella, I think he is up there, on his own Galleon -- maybe he is with his second in command," replies Andres Triana, one of the new sailors from Extremadura Spain.
Suddenly, Hernando grabs a rope, swings himself away from the top of his ship and lands close to her feet. As always, he made her smile with that romantic move. "Whoa Señora mia!! Were you looking for me my 'Reina'?" asked Hernando as he catches some air.
"Happy for you, but honestly sad for your departure 'mi amado'."
Storms up north...
An approaching storm gives them a bad sign, nonetheless, after a few showers and some fresh drizzling, they manage to see a rainbow.
"Promise me that... you will come back to me Hernando; I want to hear it from your own mouth," says Isabella in a desperate move. Hernando gets closer and holding her chin, rubs her lips softly, ending in a kiss...
"I promise you my lady, my wife, my lover! I have been doing these enterprises for our Crown and our King for more than 25 years and I know the risks -- No matter what, I promise to come back Isabella mia!!"
Hernando DeSoto succumbs to subtropical yellow fever. he gets a quick burial. Indians did always believe in his immortality. Sadly he is sank with rocks and made up sandbags in the middle of the river he discovered . His commander of field, Moscoso de Alvarado waves good bye to his Chief. "Was a pleasure mi Señor de Badajoz. Your death was not in vain and your name will survive for centuries... I'll make sure it does. Long live our King Carlos V
Isabela is on the watchtower looking into a starry sky. It's been almost 36 six months since her Husband left. Bad news came to her through secondary sources. She knew that her Hernando was in trouble but deep in her heart there was hope.
"You did promise me... that you'd come back and I'm still waiting my dearest Husband. Is so painful at times... this loneliness...and I wish we would've stayed In Spain, but I married my Conquistador and I couldn't change his dream. My love was, and still is unconditional. I know you can feel my pain wherever you are..."
Anne Marie Lopez parks her car near the New Humanities Branch Building. She applied for a job on the University's website and showed up today for a final interview. She is dressed casually; her stunning sunglasses and her mini skirt bring the attention of the campus students. Enter Timothy Crawford, A History Teacher as well, who by accident lost his wallet in the area the day before. He parks in a hurry next to her.
"Hi there, new in here right?" asks Timothy without wasting time. Looking all over but eventually checking out her legs.
"Hi, how are you? How did you know? Are you a psychic," replies Anne Marie.
"Not really. This a small place, and basically we know newcomers by sight," assures Timothy studying her body and moves, unconsciously.
"Have we met before?" asks Anne Marie out of curiosity and taking her sunglasses
"Maybe, how about...probably 3 minutes ago?? Does that sound right?"
Anne Marie cannot hold it, and breaks the ice with a wide smile. They shake hands.
"Welcome to our Staff Ms. Lopez," says Crawford.
"You are funny. I'm still an applicant and who knows, I might not even get this Job"
"I think you will get it, Ann Marie"
"So psych of you!"
They both keep smiling. Chemistry keeps sinking in...
Anne Marie finally invites Timothy to her apartment. He was right, she got a job as a History Teacher and for some reason they got along so well from the start.
The kitchen...
She is in her kitchen and is about to brew some coffee, but oh my! She spills her coffee pot, and Timothy, who was waiting in the living room, hears the noise. He stands up and rushes to her. "Oh God! What a mess Anne Marie... let me help you, don't..!"
"I've got it Timothy, you are my guest, I only have... Would you be kind enough to pass me more paper towels, since you insist in helping me! Gosh, this way we can save time, don't you think so?" asks Anne Marie, who is already on the floor, trying to get the spill under control.
Timothy gets some paper towels with rose decorations on it Finally he gets on his knees to wipe the mess.
"Let me finish Anne Marie, you did enough"
Suddenly the makes 'eye contact,' and with no question...
he gets closer to her and she... closes her eyes.
"Hernando?" is all she can say, softly. He answers smoothly, "Yes... Isabella!"
A baseball hits her living room window.... and both open their eyes and stand up quickly. Anne Marie gets embarrassed and blushes. Timothy feeling uneasy, turns around and walks away toward the door.
"I feel like a...I was about to kiss you, Anne Marie. You might think I'm the worst man on earth," admits Timothy leaving by the door.
She grabs her head and reacts. "Wait Timothy, Don't Worry. It was mutual and we... Would you like to try my Lasagna? Is in the oven and I did it for you. The coffee incident messed me all up. I'm a woman...and we really worry too much"
"Oh! perfect. Like my own sister I guess... can you forgive my...?" insists Morgan
Anne Marie, gets bolder. "You know what? Lets see if a History professors can really kiss like a King!"
"Anne Marie, What are you talking about?"
"You started it!"
After the sweetest smile they grab hands and walk to the kitchen from the living room, and we hear Timothy say, "Oh my god! Long live the King!"
A similar read..
- When Things Went Wrong...!
A short historical novel, that involves reincarnation and social issues.
- Have We Learned From History?
At certain point in History, or Prehistory, man started to think deeply and made decisions on his own. Civilization was born gradually and rules, the way lawyers loved it, were set for individuals as our ancestors and their clans and tribes. But, as
Take a minute to read more amazing stories..
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The hunt for Mister right and getting Mister wrong more than often. A crude narration that will open some eyes, and close others, talking about men.
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A memorable travel to the past..as seen by the author. A grandfather's tale as a photographer. A turning point in my life and the search for knowledge at all cost.
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A vivid experience that the Author kept in his memory, now that this ominous 10th anniversary is nearing.
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So many people try to find answers to this question. If we show some facts, you will draw your own opinion. We can find traces that might suggest that for sure real advanced civilizations roamed all over our Planet earth
life decisions...luck and twist of fate. What can we do if we are faced with a second chance in life? A thrilling story that might take you on a quick ride.. of your life time.
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million of years ago, the first cells or protocells were creating complex entities that would pave the way for our dinosaurs and mammoths. the atmosphere had reached its current nitrogen/oxygen balance, cool enough to...
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Practical applications of the Pythagorean Theorem. Real time applications.
Comments 29 comments
What a sweet story. I love the idea of reincarnation.
Highly imformative and a very nice story. Great hub. Well done :)
...what an epic hub of love and history you have presented us with here ......and indeed in your world class arrangement of fact and fiction blended neatly and seamlessly I would have to rank/rate this work of art as one of the top hubs I've read in some time. Love the music of Vangelis - very cinematic, well just like your story.
Thank you also for your royal endorsement of my humble little hubspace - coming from such a great writer like yourself - that really means a lot ......
lake erie time ontario canada 12:11pm
Hi Lord...this was wonderful! And I might add...nothing I was expecting which is always a surprise! Keep up the great work!
....well you know my friend we are both lucky and fortunate - better to have loved than not to have loved at all - and my dad was my best friend (so was my mum) and he passed away back in 1992 from lung cancer and my mum died in 2004 - so I'm on my own now but no regrets - I had love, I had great memories and I am who I am because of my parents ..... lake erie time ontario canada 12:13am
Oh my! This was truly lovely,romantic, and just perfect..Sometimes things can not be explained..they just are..Wonderful hub in everyway..one of the best!..Thank you.
This is quite fun :-) I enjoyed the romantic journey! My two favorite topics... history and love! Very well done!
Although I do not believe in reincarnation, I did enjoy your story as it gives hope, that lasting hope that two lovers separated would find their way back to one another despite all the odds. Beautiful, thank you!
I agree, romance and history make for even more satisfying reading! ;-)
I love it--Have you written any books? You are so great at writing anything you aspire to put into our minds and hearts, and leave us wanting to read more, more, more. Don't waste your talent.
Hub Friend,
I really loved this story until the end, when ann marie says shes a woman therefore the coffee incident messed her up. I protest. We are emancipated now: it would take at least TWO coffee spills to mess us up, lol.
i'm looking for the poll...i want to vote up on this marvelous story lord...you're a great storyteller...can you tuck me to bed and read me your wonderful stories?
What a great interweaving of past, present, history, romance, reincarnation. Well done!
Have you read Winter Sea by Susanna Kearsley? I read the e-book a few months ago. It's historical fiction / romance that interweaves the past and present.
hehehe...just kidding Lord...just going back to being a child, tucked in bed and lulled to sleep...well, i haven't experienced that as a child...sigh...
The mix of audio and creative word definitely give me an incredible visual. As if I am there along side in every scenario. Great hub!

subset: commoncrawl


text:
FWRD is the Final Music Band & Musician WordPress Theme
We're acknowledged as probably the greatest Music WordPress theme store on the planet. In case you are a musician, dj, music producer or webmaster, we're proud to say that it's the perfect product we have now developed but. It's time to maneuver FORWARD.
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$33 Visible Composer Plugin Included
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Contact 7 working contact varieties
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Add mp3 gamers on any web page utilizing our customized visible composer widget
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V.1.Three.1 – July 11th 2016
- Up to date the Demo importer to model 1.1
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- Mounted a problem with google font and the font-weight.
- Mounted a problem when a anchor hyperlink was used and the web page was not absolutely loaded.
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- Refactored and glued the Twitter Widget. You'll have to set your personal Twitter API keys to make the twitter feed working once more. Extra information right here: http://assist.irontemplates.com/resolution/articles/13000012323-how-to-get-my-twitter-api-keys-
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V.1.2.1 – April 13th 2016
- WordPress Four.5 appropriate. There was a small Javascript battle concern
- Up to date Visible Composer to model Four.11.2 (Go to WP-Admin > Plugins > Delete the plugin then go to Look > Set up Plugins > and set up the brand new plugin)
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- Launched new demo: The Peak
V.1.1.Three – March 11th 2016
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- Replace Iron Music plugin to model 1.1
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V.1.zero – December 21th 2015
- Preliminary model


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Clarks® Trigenic Flex Sneaker
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text:
By: Ann Brown
Oh my GAWD. Robin is such a baby.
All I said to him yesterday was, "About 50% of the time, I wish you were dead", and he cannot let it go. All day long – at the hardware store, at lunch, at the river – he's all, "really? You wish I was dead?" And then I'd have to go over it again: "Nooooo. I said that 50% of the time I wish you were dead. Jesus. Do you even listen?"
God. He's like idiot.
We ran into our friend Nancy Levine at the grocery store. We haven't seen her in a long time. I was about two seconds into my hugging her and Robin breaks us up, taps Nancy on the shoulder and says to her, "Ann wishes I was dead."
Talk about your mellow harsher. No wonder he has only, like, a hundred FB friends. The man needs to get over himself.
Nancy smiled that smile you give someone when you aren't quite sure if they are going to set themselves on fire or something. Robin – and I give him credit for this – quickly added, "but only 50% of the time."
Nancy let out a sigh of relief and said, "Oh. Well, sure. Who hasn't wished that?"
Frankly, I'm still not certain if she meant "who hasn't wished their own husband was dead 50% of the time", or if she was saying "who in the world hasn't wished ROBIN was dead 50% of the time?" but I kept my mouth shut because either way, the conversation was going my way. Plus, I've met her husband. He seems nice enough but after a few decades, I bet he gets on her nerves and she has to work off her vitriol. I see her around the hood, running. Running. In the rain. In the heat. She's in incredible shape.
During sex last night, Robin was huffing and puffing and he said, "don't worry. I'm almost at, like, 70% dead right now."
You know, I am beginning to regret ever sharing my feelings with him. Now he's making this all about him. "Oh, Ann wants me to die", "Wah wah, my wife wishes I was dead, poor me". And I have to keep patiently reminding him: Only fifty percent of the time.
I am like a saint, right?
He looked at me with wounded eyes. He was probably thinking, "what kind of she-devil did I marry? Who talks like this to their spouse?" And then he probably starting thinking about his old girlfriends, none of whom would have ever thought about his death, much less say it out loud. He probably wondered where they are now, and if they might be on Facebook and what their boobs look like. Hah. Dude, we're all rounding 60 years old. We know what their boobs look like. Let it go. I'm sure they have.
He said, "is it so you can marry another man?'"
Oh my God. I laughed so hard I almost stabbed myself with my pitchfork. Men don't get it.
"No," I explained. "Why would I want to do that? Another man? More pee on the toilet seat? Another blow job I have to give?"
"Then why?" He asked.
"Well, because." I said, "You know. Just because. It would be kinda neat. For a change up."
He considered that for a moment.
"Couldn't we just go on separate vacations or something? Do I have to be dead?"
Well, I just couldn't upset him any more, so I agreed to separate vacations. Fine. No death. It's a compromise.
Because they say that marriage is a fifty/fifty deal. But I really know what that means.
The post The Fifty Percent Solution appeared first on The Next Family.
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Originally published on The Seattle Lesbian
By Laura King
Life can get busy. With work, kids, family commitments, friends, chores, and the general chaos of everyday life, it can be near impossible at times to sit down for a cup of tea, let alone squeeze in an hour of exercise regularly. However, all things are possible if you set your mind to them. Those that prioritize their fitness nearly...
With the passage of marriage equality last year, laws have been quickly changing across the United States. LGBT couples with or without children weren't just given the right of marriage, they were provided new protections and benefits within their families. All of a sudden, LGBT couples and families had to figure out how to file jointly when it came to taxes, how to add...
By Alex Temblador
I recently wrote an article for The Next Family called, "Family-Friendly Films That Feature Adoption and Foster Care," that shared wonderful family films with adoption or foster care story lines. My reasoning behind doing so was because every family deserves a chance to see similar families like theirs represented in various forms of entertainment.
The same can be said of other...


text:
The Hunger Games Trilogy
- Brief Synopsis:
- The stunning Hunger Games trilogy is complete!
- Long Synopsis:
The stunning Hunger Games trilogy is complete!
The extraordinary, ground breaking New York Times bestsellers The Hunger Games and Catching Fire, along with the third book in The Hunger Games trilogy by Suzanne Collins, Mockingjay, are available for the first time ever in e-book. Stunning, gripping, and powerful. The trilogy is now complete!
Advisory: It has been reported to us that the chapter headings in this book have been rendered by the publisher as images without image descriptions.
- Book Quality:
- Publisher Quality
- Book Size:
- 1,187 Pages
- 9780545387200
- Publisher:
- Scholastic Inc.
- Date of Addition:
- 04/21/14
- Copyright Date:
- 2008
- Copyrighted By:
- Suzanne Collins
- Adult content:
- No
- Language:
- English
- Categories:
- Teens, Science Fiction and Fantasy, Literature and Fiction
- Submitted By:
- Bookshare Staff
- Usage Restrictions:
- This is a copyrighted book.
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I have named this design Jemima, after my little daughter who created this imagery ! A simple little milk bottle with handpicked bluebelles, placed by little hands in my studio to make it pretty !
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Grr.... this is not travel related, but can anyone suggest an online website, safe and secure, where I can buy a CD of the best test innings of Brian Lara. Or can anyone send it to me..i'll pay them for it!!!!!!!Thanx
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Though more ancient, ARACHNIDS are a much smaller group that only includes Spiders, Scorpions, Ticks, Mites, Camel Spiders, and Daddy Long-legs. Arachnids have eight legs and are segmented into 2 body parts. Halobates - Wikipedia. Halobates or sea skaters are a genus with over 40 species of water striders.
While many are coastal, about five of these are able to survive and stand on the surface of the open ocean, a habitat containing very few insect species. They are predators, coastal species feeding mainly on fallen terrestrial insects while the oceanic species feed on plankton. The coastal species lay their eggs on rocks near the shore, the oceanic species attach their egg masses on floating objects such as cuttlebone, feathers and plastic waste.[1] Species are found around the world, commonly near the equator.[2] Most are tiny, the body length being about half a centimeter but with long legs of up to 2 centimeters.
Untitled. Six-Legged Giant Finds Secret Hideaway, Hides For 80 Years. No, this isn't a make-believe place.
It's real. Honey bees trained to detect cancer. Dutch Design Week 2013: Portuguese designer Susana Soares has developed a device for detecting cancer and other serious diseases using trained bees ( + slideshow).
The bees are placed in a glass chamber into which the patient exhales; the bees fly into a smaller secondary chamber if they detect cancer. "Trained bees only rush into the smaller chamber if they can detect the odour on the patient's breath that they have been trained to target," explained Soares, who presented her Bee's project at Dutch Design Week in Eindhoven last month. Scientists have found that honey bees - Apis mellifera - have an extraordinary sense of smell that is more acute than that of a sniffer dog and can detect airborne molecules in the parts-per-trillion range. Bees can be trained to detect specific chemical odours, including the biomarkers associated with diseases such as tuberculosis, lung, skin and pancreatic cancer.
Revealing Metamorphosis. Before turning into a butterfly, a caterpillar wraps itself in a chrysalis.
But what goes on within that casing during the weeks it takes the insect to transform is still a bit of a mystery to science. Now researchers have used high-resolution computer tomography (CT) scans to track the development of the painted lady butterfly (Vanessa cardui), mapping changes in a living individual as it metamorphoses. They published their results—along with several remarkably detailed images—today (May 14) in Journal of the Royal Society Interface. "The crucial thing in this case is that they examined live material," said Rolf Beutel, a professor of entomology at Friedrich Schiller University of Jena in Germany, who was not involved in the study.
Tinkerbella nana. The family Mymaridae includes more than 1,400 species of diminutive insects called fairyflies.
They are not flies at all, but tiny wasps that deposit their eggs inside the eggs of other insects. Most of these parasitoids are found in tropical latitudes and the southern hemisphere, where they attack unborn offspring of true bugs, beetles, flies, barkflies and dragonflies. The family includes the smallest of all known insects, Dicopomorpha echmepterygis, from Central America, whose males are a mere 139μm That is smaller than quite a few single-celled protists. Put another way, 175 males could be lined up end to end in the space of an inch. Fight to the death. New praying mantis species discovered. Nineteen new species of a tree-living praying mantis family have been discovered, tripling the group's diversity at a stroke.
The bark mantises (Liturgusa Saussure) from Central and South America were found in tropical forests and among specimens kept in museums. Many of the newly described species are known only from a few specimens collected before 1950 from locations now heavily impacted by agriculture or urban development. "Based on this study, we can predict that mantis groups with similar habitat specialisation in Africa, Asia and Australia will also be far more diverse than what is currently known," said Dr Gavin Svenson, curator of invertebrate zoology at the Cleveland Museum of Natural History in the US.
Tailess Whip Scorpion. The Incredible Praying Mantis. Bush-crickets have the world's biggest testicles (relatively speaking) Egyptian Giant Solpugids (Camel Spider) Camel spiders became an Internet sensation during the Iraq war of 2003, when rumors of their bloodthirsty nature began to circulate online.
20 Lovely Macro Photographs By Magdalena Wasiczek "The butterfly counts not months but moments, and has time enough.
" Who's Your Daddy? Moth camouflaged against a page. Parasites Are Wiping Out Entire Honeybee Colonies. Bees around the world are at risk from a number of threats including habitat loss and the effect of pesticides, plus bacterial disease like American foulbrood.
Bee colonies are also at risk from mites (especially Varroa mite parasite) and parasites. Although parasites have long been associated with "colony collapse disorder", where entire hives are wiped out, it is only recently that the magnitude of the threat has been fully realised. The parasite concerned is a microsporidian called Nosema ceranae, which can harm adult bees and their larvae. It causes adult bees to die early, and kills the larvae before they can transform into bees. It is spread easily via airborne spores. The parasite poses a particular threat to honeybees found in Europe and across Asia. The enhanced risks were found from studies conducted in a laboratory, where bees were kept and various risk scenarios involving the spread of the parasite were tried out. The research was carried out at UC San Diego.
The Honeybee's Final Sting. Jun 16, 2012.
Whip Scorpion. We've seen the elegant Scorpion with their often rather dainty pincers, now let's see their relatives, the chunky Whip Scorpions with their own brutal, barbarous claws. Whip Scorpions, also known oddly as Vinegaroons, are indeed arachnids with thick, hefty bodies. Praying Mantis Attacks Hummingbird. Monarch butterfly migration Mexico.

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35 Amazing and Colourful Photographs of Dragonflies. Insect Covered in Dew. The Assassin Bug. With a name like the assassin bug, you can be sure this is one tough insect. As it turns out though, the assassin bug doesn't just kill and eat its victims—it also wears their exoskeletons as part of its suit of armor. In a way, this Malaysian bug is probably the closest thing the insect world has to a deranged serial killer. After it's made a kill, the assassin bug—which calls Malaysia home—injects its victim with a special enzyme that dissolves and softens its guts so they can be easily sucked out. And once all that's left is the insect's empty shell, the assassin bug attaches those exoskeletons to its back using a sticky secretion, piling them high to create a thick layer of protective armor that also serves to confuse its enemies. It might seem like a ridiculous stunt, but imagine you were fighting a war and saw a soldier coming at you covered in dead bodies.
Source Most Popular Posts This Week. Spider Checks Himself Out In The Mirror. COME AT ME BRO! Random photo. Luna Moth. Mantis vs Snake. Bizarre "King of Wasps" Found in Indonesia. Untitled photo by Lee Peiling. Amazing Fireflies Photos. Intricate Wing. Argentine Ants Use Chemical Warefare. Leafy Butterfly. Concrete Poured Into Ant Colony Reveals Insect Megalopolis. Earliest Terrestrial Animal: Scorpion. Long exposure fireflies. Beauty by Igor Siwanowicz. Simple Eye in Invertebrates. Ants Eat Whole Gecko Eaten in a Matter of Hours. Rosacea may be caused by mites. Oleander Hawk Moth. Scientists discover another cause of bee deaths, and it's really bad news. Ant Colors. The Stunning Glasswinged Butterfly.


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For those female skiers who demand the best — whether skiing off a summit or out of a tram — Shaka provides all the right performance uphill and down. Light enough to tour in, and with a pivoting tongue for easy on and off, we bet the Shaka will be your favorite boot. A Backcountry Magazine 2011 Editor's Choice pick.


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The Relics - BW set
Started Dec 18, 2012 | Discussions thread
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MGJA wrote:
Like the B/Ws, the first one in particular, which really looks like some disaster movie from the fifties. Very nice.
As for the coloured one - well, I think it's just me, but getting inundated in instagram pics on all social media channels makes my eyes glaze over more daring pp. Pity, because I think this was well done, but it so looks like a lazy phone came filter.
Actually, I don't like those phone cam processed images either, I was hoping mine was different,oh well, here is the normal one of the reel and another view of the rack:
Thanks everyone who viewed and commented.
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StartUpHire is the place to find Marketing - Intern jobs. Review the list of Marketing - Intern career opportunities to the left. These Marketing - Intern jobs represent some of the most rewarding careers available.
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Seeking an entrepreneurial marketer with broad B2C experience across digital marketing, integrated marketing, SEO, CRM, ad campaigns, and social media. User growth and revenue management are essential.2/23/2017 San Francisco, CA Save This Job
You will audit the existing content library and take full ownership in building a true editorial calendar. You will work with others building buyer personas and a deep content strategy that maps materials to every stage in the buyer journey.2/16/2017 New York, NY Save This Job
Position Overview The Head of Global Sales & Marketing (HGSM) will provide global strategic Sales and Marketing expertise and oversight to CMC. This Executive will work closely with the market General Managers (North America and International), with shared responsibility for1/2/2017 Wilmington, DE Save This Job
This role is responsible for the channel marketing strategy of specific partners and will develop and implement marketing programs in support of customer acquisition, revenue growth and retention.2/20/2017 Chicago, IL Save This Job
As the Product Marketing Specialist on our Product Team, you will be an important part of the product marketing function at Sprout Social and contribute to the growth of the company.2/7/2017 Chicago, IL Save This Job
We are looking for someone with significant experience leading Field, Channel & Demand Marketing. This person is an imaginative thinker capable of generating new ideas that will elevate our Field, Channel and Demand marketing. Our ideal candidate is a2/10/2017 Waltham or Remote, MA Save This Job
The ideal candidate will manage Cb's's demand funnel, marketing automation, lead nurturing, and measurement and analytics, with an emphasis on growing our business with ROI positive campaigns. You'll work cross functionally to ensure2/3/2017 Waltham or Remote, MA Save This Job
We are looking for a Field & Channel Marketing professional to help support our award-winning channel and field sales teams. This position will help capitalize on our momentum in the SD-WAN space. In this role, you will create field-based2/27/2017 New York, NY Save This Job
The Director of Customer Marketing plays a critical role in ensuring we retain and develop our existing customers.2/20/2017 Chicago, IL Save This Job
Sprout Social is looking for a brand marketing/communications specialist to help coordinate and support external communication efforts.2/17/2017 Chicago, IL Save This Job
We are looking for an experienced Technical Marketing Engineer who will be responsible for innovating and managing the open networking protocol aspects of a best-in-class SD-WAN product. You will be responsible for specifying network protocol requirements2/13/2017 Santa Clara, CA Save This Job
Lead all aspects of product marketing in the Advanced Manufacturing industrial laser segment. Inbound activities include: documenting market and competitive trends, driving product roadmap, setting market requirements for new product development, out1/29/2017 Vancouver, WA Save This Job
Why Carbon Black?At Carbon Black, youâll have the opportunity to make a huge impact while working alongside a global community of passionate people who are leading the way in cutting-edge technology. Our valued employees across the world have made Carbon Black a Top Place to2/25/2017 Waltham, MA Save This Job
PowerReviews works with more than 1,000 global brands and retailers to increase conversion and improve products and the customer experience with ratings and reviews and Q&A software. Ratings and reviews solutions from PowerReviews are essential for consumers as they search2/14/2017 Chicago, IL Save This Job
Company Overview:Velocify is one of the fastest growing software-as-a-service companies in the country, providing the market-leading solution for intelligent sales automation and cloud-based telephony. Velocifyâs software is designed for high-velocity sales environments and2/2/2017 El Segundo, CA Save This Job
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Demand Generation Manager - Marketing Mimosa Networks About Mimosa Networks, Inc. Mimosa Networks is the leader in cloud-managed, hybrid fiber-wireless (HFW) network solutions for the post-copper era. Using Massive MIMO technology, Mimosa designs and manufactures1/31/2017 Santa Clara, CA Save This Job
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Customer Advocacy Marketing ManagerVelocify is one of the fastest growing software-as-a-service companies in the country, providing the market-leading solution for intelligent sales automation and cloud-based telephony. Velocifyâs software is designed for high-velocity sales2/20/2017 El Segundo, CA Save This Job


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Freedom Housing makes it possible for persons with disabilities who require low care (early intervention) and up to 24/7 high care, to live in conventional housing (house/apartment) with their children, extended family, friends, housemates, or independently.
Persons with a disability (and those requiring aged care) need never go to a nursing home, hospice, or be relinquished to an institution.
They are able to live in a Freedom Key dwelling through every phase of their lives: as a child; as a young independent adult; as a parent; in old age, and for the end of life stage (palliative).
Freedom Key dwellings are also ideal for aged care. A mix of care needs may be accommodated under the same roof in a privately owned - or leased - apartment or house.
The Freedom Housing model involves the conjoining of four Freedom Key dwellings by the internal space of the Freedom Key (double click on concept plan: right column).
Each property is uniquely designed according to the owner family's preference for fabric, appearance, lifestyle, and inclusions. The homes are private residences: their privacy is strictly respected.
The NDIS has rendered the Freedom Housing feasible, and affordable for the Australian household. If you have an NDIS care package it may be possible for you to be an owner-occupier or tenant in a Freedom Key dwelling.
Freedom Housing:
* Is currently the most human rights compliant care and housing model. See report:
Freedom Housing Versus Traditional Models of Care and Accommodation For Persons With Disabilities
To discuss, call 0438 356 145
A Freedom Key property provides a better investment return, and it does a lot of good. Contact us about how you can become a Freedom Housing property investor. We have prospective long-term tenants on our Freedom Key Registry waitlist.
* Is the most livable model of care and housing: private; non-institutional, and non-custodial.
* Displaces demand for:
In this article, which appeared in the Australian newspaper on 17 February 2017, Western Australian Senator Linda Reynolds of the Australian Federal Parliament has clearly presented the injustices and frustrations that motivated the Freedom Housing design.
We would add that it is also a national shame that old people are trapped in aged care (nursing homes). Aged care in Freedom Housing is a preferable option.
We have written to Senator Reynolds to inform her of Freedom Housing.
Click on the article once, and then once again, to enlarge for reading.
click on photographs to enlarge
click on articles to enlarge
It is our aim to roll out Freedom Key Dwellings in all the states and territories of Australia.
You can now register your interest to buy, rent, or home-share a Freedom Key Dwelling in a location of your choice.
Go to the top of the page to register.
1 July 2016
The transcript of the presentation by Christos Iliopoulos, at the recent NDIS Melbourne Housing Showcase, may be downloaded: XML word
2 June 2016
The Victorian Parliament Family and Community Development Committee has released its final report into its 'Inquiry into abuse in disability services'.
This inquiry followed on from the Victorian Ombudsman's 2015 investigation into abuse in the disability sector. read more ...
We had a great deal of interest in Freedom Housing at the Housing Showcase.
We are now considering private prospective developments in Warrnambool, Ballarat, and Echuca, to add to Sale!
20 May 2016
SDA: Special Disability Accommodation
NDIA statement:
"Ensuring that people with disability have real choice and control over where they live and who they live with is an integral component in supporting NDIS participants to live ordinary lives.
For that choice and control to exist, the supply of innovative, affordable and accessible housing needs to increase.
The prices and processes contained in this paper have been designed to encourage the growth of that supply, whilst ensuring as smooth as possible transition for people in existing supported accommodation."
13 May 2016
Our CEO Christos Iliopoulos has been invited to speak about Freedom Housing at:
This is a free event for people with disability, their families, and carers. Food and drinks will be provided. We invite you to visit our display. Program and map.
10 March 2016
Eliana Caserio is studying for her Advanced Diploma in Philosophical Counselling at the Scuola Superiore di Counseling Filosofico in Turin Italy under the supervison of Prof. Dr. Lodovico Berra.
She is visiting Australia on an internship to study the unique philosophical counselling method of Christos Iliopoulos. Christos established Australia's first philosophical counselling clinic (in Williamstown VIC) in 2006.
Eliana will also undertake particular research into the life-style changes, and the psychological impact of Freedom Housing on those with a disability: and those close to them.
Philosophical counselling relevant to individuals and families impacted by disability is Eliana's special focus. She is co-authoring a book on philosophical counselling with Christos.
'Peripatetic' philosophical therapy (above)
11 July 2015
The George Gray Centre is developing Freedom Housing in East Gippsland Victoria read more ...
21 May 2015
Our submission to the Joint Senate Committee National Disability Insurance Scheme read more ...
12 April 2015
Our CEO appeared as a witness, at the Senate committee hearing into the adequacy of existing residential care arrangements available for young people with severe physical, mental or intellectual disabilities in Australia read more ...


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lemnos labs
Byte Foods raises $5.5 million for smart vending machines that serve local fare
Apple juniper kombucha or a BBQ chopped salad may soon replace the can of soda and bag of chips in a vending machine at your office. A San Rafael-based startup called Byte Foods has raised $5.5 million in seed funding to popularize its smart vending machines and delivery service stocking them with nutritious food and drinks from local vendors. If the idea of the internet-connected vending… Read More
Teforia soaks up $12 million to make the perfect cup of tea
Teforia has raised $12 million in a Series A round of venture funding to take its smart kitchen appliances mainstream. The company's flagship product is an internet connected tea infuser that can brew teas from the company's own line of pre-packed "Sips," or from loose leaf teas that customers pack into the machine's "infusion globe" on their… Read More
Kids can build a LEGO drone with Flybrix kits
A company called Flybrix is putting legos on the wing. The San Francisco startup today began selling build-a-drone kits for kids age 14 and up comprised of: LEGO bricks, boom arms and motors that don't require soldering, and other off the shelf and Flybrix-designed parts. Once assembled, Flybrix drones are lightweight and meant to be flown indoors. They can be operated with a… Read More
Ground delivery robots: Passing fancy or next wave?
"Every failed on demand startup will reappear as a successful robotics driven business in five to 10 years." So tweeted Jeremy Conrad, founding partner of the San Francisco-based hardware fund Lemnos Labs, one recent afternoon. Conrad apparently means what he tweets, having investing in Marble, a new, San Francisco-based ground-delivery robot that will focus on ground-based… Read More
With $1.3 Million In Funding, Pantry's Smart Fridge Lets Businesses Sell Fresh Food Anytime
Backed by hardware incubator and seed investor Lemnos Labs, Pantry provides a refrigerator that organizations like universities, hospitals, and gyms can stock with fresh foods to be purchased at any time. Read More
Lemnos Labs Raises $20M, Opens 8,000 Sq. Ft. Warehouse To Support Early-Stage Hardware Startups
Hardware continues to be a hot sector in the startup community, with a number of investment firms backing startups that make physical goods to change the way we live. Lemnos Labs is one of those firms, and it has raised a $20 million fund and opened up a huge new warehouse space to exclusively support early-stage hardware startups. Read More
NanoSatisfi Raises $1.2M To Disrupt The Aerospace Industry With Small, Affordable Satellites
For years, Peter Platzer was pretty close to a stereotypical rocket scientist on Wall Street — he was trained as a high-energy physicist, but he spent most of his professional career in finance. But he told me he's always had an interest in space exploration, and now he's working on an aerospace startup called NanoSatisfi, which just raised $1.2 million in seed… Read More


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Feb. 8, 2002
Tallahassee, FL - Tallahassee, FL No. 9 Washington Huskies outlast Florida Atlantic in 10 innings, 2-1 in the first game of the Florida State "Seminole Challenge" softball tournament.
In a game pitting two undefeated teams, Washington senior Becky Simpson scored the winning run in the bottom of the 10th inning as the Huskies downed Florida Atlantic.
With the game tied 1-1, Simpson beat out the throw to first on a ground ball to second base, stole second base, then advances to third on an Owl error and scored the game-winner on a fielder's choice.
The Huskies opened the scoring in the bottom of the third. The Lady Owls answered back in their very next at-bat in the top of the fourth, as senior catcher Heather Wright singled and then scored on a long double to center field by senior designated player Nicole Myers.
Freshman pitcher Candice Freel went the distance for the Lady Owls giving up two runs, one earned, on four hits while striking out four.
With the win, Washington moved to 6-0 on the season while FAU dropped to 5-1. The Lady Owls were in action later Friday night against host, #15 Florida State. FAU will play #22 South Carolina on Saturday in the second day of the "Seminole Challenge."
FAU Players Understand the Significance of the ...
FAU Softball Sweeps Day 1 of Strike Out Cancer ...
Softball Hosts 11th Annual "Strike Out Cancer" ...
Kylee Hanson Named C-USA Pitcher of the Week
Hanson and Boos Claim FAU Player of the Week Title
This Week's FAST Focuses on Softball,...
FAU Softball Defeats Michigan State 5-0


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Follow your dreams
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The Aussie IGN team break down the biggest gaming news over a few cracked tinnies. Everybody wins.
June 7th, 2016
Episode 146 of 161 episodes
The AU team on VR, Overwatch, Mirror's Edge: Catalyst, Dangerous Golf and more!
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13053, NY Rent to Own Homes
|1 Listings Found
Cash flowing duplex in the Village of Dryden. Both sides currently rented, larger side rented
$149,000 - Rent to Own
73 W Main St Dryden, NY 13053Details »
corridor. No gas lease and all oil, gas and mineral rights convey.
$77,900 - Rent to Own
Dryden, NY 13068Details »
RentUntilYouOwn.com is the #1 provider of 13053 Dryden, New York rent to own homes listings.
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Welcome to Booklover's Bench, a website devoted to bringing good things to readers. We're delighted to have you here.
Get to know us–links to our social media sites are in the left sidebar. Each month, we'll be hosting contests and different ways to win our books and other exciting prizes. These can change in the blink of an eye–our authors are generous people and are constantly thinking of ways to reward readers.
Enter Here March 1 – 18 to win a $25 Amazon or BN gift card (winner's choice).
Check out our Menu Bars for more features and even more giveaways!
Booklover's Bench is now on Facebook, too. Come like our page!
Karla Brandenburg has released the first novel in her new Epitaph series, now available in print and e-book.
Nancy J. Cohen announces the release of Facials Can Be Fatal (Bad Hair Day Mystery #13) available at Amazon and B&N.
James M. Jackson has a new novella, "Low Tide at Tybee" appearing this month in the anthology Lowcountry Crime: Four Novellas.
Terry Odell's second Triple-D Ranch romantic suspense, In Deep Trouble, is now available in audiobook format from Amazon, iTunes, and Audible.
Maggie Toussaint's Doggone It, Book 3 in her Dreamwalker series, releases in large print from Thorndike Press this month.
Tina Whittle's Tai Randolph novella "Trouble Like a Freight Train Coming" appears in the anthology Lowcountry Crime: Four Novellas.


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"London Eye" Coca-Cola London Eye Tip by Svillegas
Coca-Cola London Eye, London: 351 reviews and 567 photos
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Address: Westminster Bridge Rd., South Bank, London SE1 7PB
Directions: Nearest Tube Waterloo. At The Queen's Walk
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Big Table Furniture
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Big Table offers a range of handmade mattresses that will suit the requirements of almost everyone, from children to teenagers
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All our beds are available in single, double, kingsize and super kingsize or can be made to measure.
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3615 Civic Center Blvd # 802
Philadelphia, PA 19104
100 Medical Drive Hannibal, MO
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After just 2 trips to CHOP it was plain to see why it is the best in the world. Dr Goldsmith was great with our little girl, helped her right away and made her feel comfortable even though she had a doctor phobia. A+, thank you.5


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Is this attraction a "must-see" location?
Is this attraction pet friendly?
Would this be a good sunny day activity?
Would this be a good hot day activity?
Does this attraction involve animals?
Is this attraction popular with tourists?
Is this attraction a good place to visit on a honeymoon?
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Does this attraction provide visitors with a taste of the local culture?
Does this attraction require above average amounts of physical activity (long walks, climbs, stairs or hikes)?
Thanks for helping!
The park is close to the center and by all means my favourite park.
It has a nice lake where you can rent a little boat if you like romantic trips.. Very small compared to...
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The park is close to the center and by all means my favourite park.
It has a nice lake where you can rent a little boat if you like romantic trips.. Very small compared to Herastrau so perfect if you are a bit lazier and do not want to paddel that much. They have a place with birds for the...
So nice-in summer is full of flowers and in winter you can skate on the frozen lake.. You can safe stay with friend during the nights at a beer in hot summer days.
We're so lucky - this park is close to our hotel so has become a regular place for us to stroll. It's beautiful here with plenty of benches to sit and watch the world go by. Lovely in the snow too.
Cismigiu Gardens is a public park in the middle of the city. Few people know that the lake this park has is an artificial one. With very old trees and alleys, this is one of the most romantic places you can find in Bucharest. Rent a boat, have lunch or a drink in one of the terraces, or simply have...
The english gardens of Bucharest are a vey nice place to relax during those hot summer days. A large variety of plants with description. Kids play zone. Lots of bids
Placed almost in the middle of the city, the Cismigiu Park is an excellent place if you want to cool in a hot summer day or just want to enjoy a nice relaxing walk. Also here you can find some temporary exhibitions and fares.
Nice trees, beautiful flowers and excellent landscape planning. Even in the winter there is something to see. A truly wonderful park!
One of the nicest places I've visited. Worth the long trip. It was quiet and peaceful and the people were really nice and minding their own business. Can't wait to go again
The Cișmigiu Gardens are a public park near the center of Bucharest, spanning areas on all sides of an artificial lake. The gardens' creation was an important moment in the history of Bucharest. It is considered the largest park in city's central area. The main entrance is from Regina Elisabeta Boulevard, in front of the Bucharest City Hall (now under...
Very beautiful park in Bucharest , the best i think because it is quitly atmosphere , good people , lake also
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- February 19: Chrysler Recalls Dodge Charger and Chrysler 300 recalls | 8 days ago
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Triple-S Management Corporation Schedules Second-Quarter Earnings Release and Webcast
To participate on the call, please dial 877-941-1848 or 480-629-9722 at least 5 minutes before start time. The conference call will also be simulcast live on the Internet, and can be accessed by logging onto www.triplesmanagement.com. In addition, a replay will be available through August 19, 2009 by calling 800-406-7325 or 303-590-3030 and entering passcode 4102405. A replay will also be available on the company's web site for 30 days.
About Triple-S Management
Triple-S Management Corporation (or "the Company") is an independent licensee of the Blue Cross Blue Shield Association. It is the largest managed care company in Puerto Rico, serving approximately 1.3 million members, or about 30% of the population, and has the exclusive right to use the Blue Cross and Blue Shield names and marks throughout Puerto Rico and the U.S. Virgin Islands. With more than 50 years of experience in the industry, Triple-S Management offers a broad portfolio of managed care and related products in the commercial, Medicare, and Reform markets under the Blue Cross and Blue Shield brands. The Company is the largest provider of health insurance in Puerto Rico. For more information on Triple-S Management, please visit the Company's Web site at www.triplesmanagement.com or contact email@example.com.
SOURCE Triple-S Management Corporation
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Enterobacteria in village springs: Use a filter on the "yucky" water!
An analysis by the Office for Food Safety in the Swiss canton of Graubünden has left hikers and bikers in the Swiss alps feeling uneasy: Every third spring along heavily frequented hiking and biking routes revealed a high concentration of enterobacteria. One gulp from Alpine springs always thought to be pure can lead to serious diarrhea. A water filter from Katadyn is a remedy.
Fresh, clean drinking water directly from the source. Many outdoor sports enthusiasts embrace this feeling and fill their bottles at mountain and village springs. Unfortunately, an investigation by the Office for Food Safety of the Swiss canton of Graubünden contradicts this ideal. Among approximately 30 springs in the canton of Graubünden, every third contained too much enterobacteria, mostly coming from neighboring cow pastures. The concentration in one spring was even classified as a health hazard. In summary: Visually clear water can be deceiving. The only way to be sure about drinking water in the Alpine region is to filter it to avoid unpleasant surprises.
Filtering is the fastest way to make potable water from water contaminated with bacteria. The filtered water can be consumed immediately, and the process is easy. The minute pores of the filter (0,0002 mm) simply catch pathogens. Easy drinking water filters, such as the Katadyn MyBottle or the Katadyn Hiker Pro, are tailored to the needs of hiking and biking. They guarantee safe drinking water any time, and can be taken along without a problem. These filters are available at outdoor and sports retailers.


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The startup world is a fast-paced, highly dynamic, goal oriented and analytical challenge. The same can be said about the stage that's set for the 2016 Stanley Cup Finals. This championship hockey series shares some striking similarities with challenges young companies face while trying to grow. For example: Coaches, like executives, are required to make on-the-fly adjustments. Overexerted players, like […]
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Cathay Pacific in partnership with Hong Kong Brewing company is bringing their own exclusive beer to the sky for a limited of time. Knowing that taste buds dull and sweetness and salt receptors are lacking in flight, many airlines adjust food seasoning for flight. Now, … [Read more...]
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Have too much candy on your hands? (Probably.) Love Noodles & Company? Get your kids to swap out some of their Halloween Candy for a FREE small bowl of Wisconsin Mac & Cheese. Yum! Valid at Central Indiana locations – but please call ahead before making a special trip to confirm they are participating. If you are in another area, check with your store to see if they are participating in the Cure for the Candy Coma Candy Swap!
Valid from Friday, November 2 through Sunday, November 4, 2012.
Let us know in the comments if you find out if your store/area is participating.
Do you know of any other businesses doing a candy exchange?
Thanks to her Royal Highness Cherie over at the Queen of Free!
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Fieldhead Hotel Markfield
Markfield Lane, Markfield, Leicestershire, England, United Kingdom
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Corporate travellers can use the hotel's Meeting facilities and Conference room(s) free of charge.All rooms include Cable/satellite television, Chair and Coffee table along with other value added features associated with hotels of this calibre.
Markfield Lane, Markfield, Leicestershire, England United Kingdom


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Private In-Home and Online SSAT Tutoring in Union City, GA
Receive personally tailored SSAT lessons from exceptional tutors in a one-on-one setting. We help you connect with in-home and online tutoring that offers flexible scheduling and your choice of locations.
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Hi everyone,
I'll compile a list with names, test/ultrasound dates and what you're swaying for too But we can also just use this for chatter / help / advice as well!
For those swaying BOY, try this LINK
For those swaying GIRL, try this LINK
GOOD LUCK!Soon2be4: going to start swaying Boy
Pre- TTC:
tootsiegirl: going to start swaying Boy
Sandgroper: will start swaying boy July onwards.
TTC:SandGroper: swaying boy - currently TTC, test date 10th Feb BFN
Cherry18Bloss: Swaying Girl Currently TTC BFN
Lovemysons: Swaying Girl - Currently TTC, test date 17th March
Lilac07: swaying Girl - Currently TTC
missymama: swaying girl - currently TTC, test date 21st Feb :BFP: !!!
Mamasupial: Swayed Boy - due 21st August
Boys boys boys: (sorta!) swayed Girl - Due 3rd September


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Welcome to tranchan. A few terse guidelines:
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Long time reader, first time poster on this forum.
So, long story short I'm a late 20's very poor responder that is almost at the end of our IVF road as we keep getting only a couple of poor quality eggs per stim and we've transferred many poor embryos to no avail (we did however hit the jackpot two and a half years ago though and have a sweet sweet DD. My AMH has taken a huge plunge since then though).
My FS isn't convinced that either melatonin or Saizen do anything but is willing to throw them in for our next stim (which will be in about 6 weeks) just cause I asked so was wondering if anyone has any experiences, positive or otherwise they'd care to share about them?
If you've got any other golden ticket advice for a very poor responder feel free to chuck that in too! We've done all of the run of the milk stuff, now just trying anything safe basically.
Thanks in advance


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Under the Shadow of Court Backlogs
Court backlogs appear to be the venue where mounting numbers of loans pending liquidation are stuck longer and longer feeding into the "shadow" inventory.
Currently as in the past couple of years servicers have been staffing and automating processes to be able to properly examine, monitor and review distressed loans.
After a number of amendments and revisions since its launch, HAMP has taken a more finalized shape. And a stabilized HAMP helps servicers who had to modify processes after every change to be able to comply, says Georgiana Pate, VP of strategic consulting services at Lender Processing Services, it helps that now loans have started to flow through the HAMP pipeline.
Now capacity challenges are passing onto the courts creating a need to expand their processing capacity in order to avoid an even larger shadow inventory.
Some information is in the open. The May 2010 Mortgage Monitor report by Lender Processing Services Inc., Jacksonville, Fla., shows the total U.S. noncurrent loan rate that combines foreclosures and delinquencies as a percent of active loans is 12.38%, "relatively stable" but at historically high levels. The total U.S. foreclosure inventory rate is 3.18% as over 7.3 million loans in some stage of delinquency or bank owned.
Currently the most difficult part of mitigating potential losses is tracking down information about loans still being processed.
The number of loans "sitting in the shadow inventory pending some sort of liquidation action" after they have already been reviewed by a servicer for potential modification, or after the borrower failed to keep the loan current during the modification trial period continues to increase, Pate of LPS told this publication.
After a two-month decline, deterioration ratios increased, with 2.5 loans rolling to a "worse" status for every one that has improved, according to LPS.
For example, the average number of days for a loan to move from 30-days delinquent to foreclosure sale continues to increase reaching an all-time high of 449 days, resulting in an increase in "shadow" foreclosure inventory.
It means right now the servicers "aren't necessarily moving forward," because "there is a lot delay and backlog" in the courts, Pate says. That prospect has an upside and a downside.
It has translated in more thorough servicer reviews of each and every loan file "to make sure they have exhausted every avenue" of a loss mitigation workout opportunity for each borrower. If a borrower does not qualify for a modification or redefaults on it, foreclosing servicers are required to consider other options such as selling the property for less through a short sale or taking the property back through a deed-in-lieu where the mortgage can be the only lien against the property. Or the servicer is waiting for court proceedings to take back the mortgage title, which is when these properties become part of the so-called shadow inventory. Plus some of the courts are requiring additional documentation to prove that they have taken all of those additional steps, which makes the process more work intensive since even if the mortgage industry is using electronic documentation, it still need to file paper documents to the courts.
"During this time it is not clear how to proceed," Pate says, if for instance the borrower's status has changed because they are receiving some income and have the ability to make some payments. It is why servicers have to revisit borrower files time and again to reconsider applicable loss mitigation options such as a loan modification.
Servicers are challenged to give that second look to loan files to ensure that before they actually proceed with foreclosure they have looked at every form of workout opportunity so they are taking a step back to make sure they have done that. "We have seen the timeline to move forward adjust slightly."
Moratoriums add to the shadow inventory challenge. For instance, in certain problematic areas such as the Gulf Coast more foreclosure moratoriums are being granted by servicers because of the BP oil spill. The same as when Hurricane Katrina hit the region, Pate says, it is a disaster and there is not much borrowers or servicers could do. Several states have suspended foreclosure activity in affected areas.
The continued unemployment also weighs on servicers' ability to assist distressed borrowers.
All of the above has changed the way serivcers mitigate losses. The end result is a prolonged loss mitigation process. Since the process is increasingly more time consuming and demands more resources for each and every loan the servicers are hiring may not be significant for the country overall but does have a positive effect on the economy.
Ultimately the nature of capacity pressures has also changed. The courts have put a tighter grip on the volume that can go through. "Yes, there's volume sitting there, but we also need the court systems to start to open up a little bit and allow more of this to start to flush through," Pate says. "But it needs to be done in a very controlled environment."


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Etchells Worlds 2012 Day 5 – These are the days you always fear!!
by Rob Kothe and the Sail-World Team on 24 Feb 2012
Getting ready to go - Etchells Worlds 2012 Day 5 morning Sail-World.com /AUS ©
Etchells World Championship 2012 day 5.
The 74 boat Etchells fleet is current heading out to the Manly Circle course off Sydney Heads for the critical races seven and eight in the nine race series.
Jud Smith (USA) is leading the regatta on 13 points from Tom King on 15 and John Bertrand 26, Graeme Taylor 32, Vince Brun 34 and Cam Miles 36 ahead of Alastair Gair (NZ), David Clarke, Peter McNeill and Noel Drennan.
Jud (Roulette) commented dockside this morning 'We qualified with the local Sydney fleet sailing out of this club, sailing offshore in these conditions back in October. We were fortunate the breeze filled in yesterday. We much prefer a little breeze.
'It could be softer today and these are the days you always fear because in the light, everyone seems to start well and then some of the boats hit a corner and come out well. So you just have concentrate on a good start and good placement at the top mark.
'Tom King (Iron Lotus) is a really skilled sailor, he has Olympic Gold to prove it and so it's no surprise to see him up at the front of the fleet. He really knows the place and in the last few months he has found a little extra speed, there is no question he will be there at the end.
Peter McNeill (Iris III), the 2004 World Champion said 'This is the big day - the cream rises to the top. With the good weather conditions, lines and course so fair and even you'd expect the good guys do so well.'
Victorian Graeme Taylor (GT) on Magpie currently lies fourth. 'We've been waiting for a few stumbles from Jud and Tom, they are both pushing it at the starts and so anything can happen. They are both sailing very well and so is John (Bertand).
'We've been working hard at better starts and that is why we are in with a chance, but yesterday we pushed further into the corners, we gambled and it did not pay.
'There is plenty of golf left in the hole so we shall see what happens today.'
And so we shall. Its flat flat flat out here, a glorious day, still only five to six knots of breeze - Sail-World.com will be reporting in detail as racing progresses.
If you want to link to this article then please use this URL: www.sail-world.com/94237
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Posted on 29 Dec 2016
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Chain Store Age spoke with Bob Putnam, the president and founder of Boston Barricade Company, about the evolving nature of retail construction barricades.
Ikea is expanding its renewable energy commitment with state-of-the-art fuel cell technology.
Online menswear retailer Combatant Gentlemen has made the leap to brick-and-mortar with a sleek, streamlined space that speaks to its millennial audience.
Target is taking its lighting to the next level.
Chain Store Age recently sat down with Stefan Weitz, chief product and strategy officer of omnichannel commerce and service provider Radial (formerly eBay Enterprise), to discuss how retailers can offer a seamless experience and have a successful holiday.
Here are some insights from IBM* regarding last year's holiday season that retailers would do well to keep in mind as they finalize plans for holiday 2016:
Get ready for a very competitive holiday season.
It's no secret that online shopping and changing consumer preferences continue to impact physical retail traffic.
A company named after the first reptile to develop the feather for flight — archaeopteryx lithographica — is moving to expand its fledgling store portfolio.