text:
- Description
- View Full Specifications
Four Stateroom Layout!
- Year:
- 1998
- Length:
- 45'
- Engine/Fuel Type:
- Single / diesel
- Located In:
- Annapolis, MD
- Hull Material:
- Fiberglass
- 32744-2994677
- Last Listed Price:
- Sold
The Dufour 45 Classic is a wonderful modern performance cruiser. Built in 1999 in The Dufour 45 Classic is sleek, sexy and it is a great sailing boat.. The hull and rig are designed for fast cruising, ease of handling in secure comfort. The life raft is stowed on the stern, which is a good spot for an offshore sailor. There is equal attention to the amenities that so many modern cruisers and families have come to need and expect including a large cockpit and swim step transom. All this comfort and she leisurely makes 180 mile days with a 200 mile day within reach.
The interior is equally pleasing with its Mahogany paneling highlighted by natural light from all the large hatches and opening ports. The Dufour 45 has a nice big beautiful main salon and a spacious galley. The master stateroom up forward has a beautiful spacious V berth with access to the head. Just aft to port is the guest cabin with upper and lower bunk arrangement which is great for kids or crew and also makes a fabulous storage area. The two double aft cabins and aft head provide wonderful accommodations for family cruising.
Darwin Sound has been upgraded for ocean passagemaking! She was recently inspected and upgraded for her Atlantic crossing in 2015-2016. She is better than new, because when you do buy a new boat, you learn that there are thousands and thousands of additional dollars to spend outfitting the boat for your needs. She already has had a significant investment and is upgraded for cruising comfortably.
Darwin Sound is owned and maintained by a couple who are lifelong sailors. They bought Darwin Sound with the purpose of cruising in the Med which they did for several years. Then they left in 2009 for Scandinavia to enjoy five seasons in the Northern cruising areas of Norway, Sweden and Scotland. In 2015 they refit Darwin Sound to make the Atlantic crossing from the Spain to the Caribbean. In the 2015 season they enjoyed the Caribbean to make their way up the Chesapeake to put Darwin Sound on the market. She is certainly proven and ready to go!
- New standing rigging 2014
- Keel and rudder inspected, dropped and re-attached 2014
- King Cobra rack and pinion steering rebuilt in 2015 for Atlantic passage
- Four private sleeping cabins!
- Two heads, one with stall shower
- New full batten mainsail 2014 with reefing system in the cockpit
- Inner forestay added 2007 with self tacking jib and running backstays
- Original roller furled genoa Neil Pride sail
- All control lines led to the cockpit with line stoppers
- Full dodger and bimini 2011
- LED lights
- New upholstery is leather by Ruchaud in France 2015
- Aluminum bottom dinghy new 2015 stows under the boom
- Solar panels and wind generate with well managed electrical system
- Navigation system new in 2010 – Raymarine Radar and Plotter
- Life raft and safety gear
- Heating System is Eberspacher D5WZ 12v hot water system that runs on diesel with electric fans and outlets for heat in the aft cabins, main salon, and forward cabins
- Stereo with Radio and CD player with USB connection for any device
- Interior and Cockpit speaker system
These are the kind of owners you want to buy a boat from. They are very accomplished sailors and lifelong boat owners. They report that they have truly enjoyed cruising Darwin Sound six months of each year and caring for her as their home and their ship throughout. They love how the boat sails so well in light air and the fact that she is so responsive and easily sailed by just a couple. Of course they have rigged the boat to make her safe and even easier to sail with the inner forestay and small self tacking staysail.
If you want a boat that will sail really well on the Chesapeake Bay and a proven vessel that had been upgraded for cruising and passagemaking, you should surely give Darwin Sound your consideration. She is priced to sell so don't wait. Call now!
Please call any time to talk about this boat. Reach me, Bernie Jakits, on my cell at 443 742 1792 or email email@example.com
RogueWave Yacht Sales is Your Choice for Blue Water Boats. We are a unique brokerage and consulting firm specializing in ocean capable vessels of quality and substance. We take great pride in helping you get into the right boat! Call us to discuss your sailing vision! Bernie at 410 571 2955 or firstname.lastname@example.com
We are always interested in marketing your high quality blue water capable boat! Call Bernie Jakits at anytime, call now. 410 571-2955.
Please contact Bernie Jakits at 443 742 1792
Additional Specs, Equipment and Information:
Boat Name
Darwin Sound
Builder: Dufour
Designer: Dufour
Keel: Bulb
LOA: 45 ft 0 in
Beam: 14 ft 1 in
LWL: 37 ft 5 in
Maximum Draft: 6 ft 5 in
Engine 1:
Engine/Fuel Type: Diesel
Full Specifications
The Dufour 45 Classic has accommodations for eight adults with four private sleeping cabins, three double cabins and a fourth cabin with upper and lower berths! Along with two heads with stall showers and a great galley, salon, and nav station, this commodious layout makes her a sought after vessel for a family or cruisers who love to entertain. This is a modern vessel that is distinctly European in its design and ambiance. It is clean and light and bright and modern and yet the Mahogany paneling is nicely nautical. The Master cabin forward is pleasing with the spacious V-berth and access to the forward head. Adjacent the head there is a single cabin which is also a great storage location. The aft cabins port and starboard are quite large due to the generous beam carried well aft. The port cabin has private access to the aft head to port. The four private cabins make this a very commodious vessel. The main salon is spacious and comfortable with good ventilation from the opening deck hatches and opening ports with screens. The main salon dining arrangement can please a party, if the chef can handle it. The u-shaped dinette to starboard has a large table which has been adapted with drop down leaves to make the space more open. Still you can seat eight if you want to. The galley is actually a kitchen arranged on the port side adjacent the dining area. It is a real French galley, so it is not that difficult to please the crew. The boat is elegant and sophisticated European with very comfortable accommodations for six or eight, gorgeous entertaining cockpit, swim platform, cockpit shower and if you have a vision that includes friends, you will not disappoint yourself or your friends.
Galley Details
This vessel offers a beautiful ships galley in the French way on the port side in the midst of the action in the salon
- Refrigeration is Isotherm ASU SP3500 12 volt system installed in May of 2014 and a Frigoboat 5000 engine driven compressor
- Refrigerator (200 liter top opening) has two compartments, one for the refrigerator, and the other for the separate freezer
- Freezer compartment has two cold plates, one is cooled by a Frigoboat engine driven compressor and the other cold plate is cooled by the Isotherm 12v system
- Gimbaled propane three-burner stove, oven and broiler
- Double stainless steel sinks
- Mixing faucet with hot and cold pressure water
- Manual foot pump for fresh water
- Manual sea water foot pump
- Filtered water system for drinking
- Good cutlery drawer
- Trash bin
- Corian Counters
- 140 gallons in aluminum tank under starboard aft berth (200 liters)
- Additional 140 gallon in two plastic water tanks under forward berth.
- Total water tangage 600 litres!
- All tanks have inspection ports
- Deck fills for three water tanks
- Tank gauge
- Two heads, aft head with separate stall shower
- Toilets are Jabsco Twist-n-Lock 2009
- Holding tanks for both toilets 14 gallons each – stainless steel
- Deck pump out inshore
- Gravity discharge offshore
- The aft head separate shower stall doubles as a great wet locker
- Transom shower
- Both heads have vanity and sinks
- Propane sniffer alarm system
- Port stern locker is proper and vented
- One 10lbs tank and one 14# tank, with solenoid and pressure gauge
Navigation and Communication
The owner reports a favorite thing is nestling into the helm seat with great visibility and the very responsive rack and pinion steering system and the rock solid autopilot steering. Sounds good to me!
- Large forward facing sit down nav station with chart table
- Raymarine 4KW Radar mast mounted
- Raymarine E80 GPS chart plotter at the helm with Radar and AIS integrated in the display 2010; a powerful system that includes the ability to show radar and plotter is a split screen or other configurations
- Standard Horizon GX3000 VHF Radio with AIS and Command Mic at the helm
- Raymarine ST60 Wind Speed and Depth
- Raymarine Fish Finder Depth Sounder
- Raymarine Smart Pilot X30 with linear drive below decks with a spare ram
Mechanical Systems
All the systems on the boat have been well maintained and upgraded for a cruising six months each year.
- Yanmar 56 hp diesel with Saildrive (4000 hours)
- Cruises 6.2kts at 2500 rpms
- Sail drive with Autostream folding prop which greatly improves maneuverability and backing as well as boat speed under sail and power
- 140 gallons (200 liters) of diesel fuel under quarter berth on port with tank gauge (not too reliable), and fuel tank clean out, inspection port
- There is a mirror image tank on the starboard side that is used for water, but it could easily be converted to diesel for double the range
- Consumption is 3 liters per hour at 2500 rpms (about 1 gallon per hour)
- King Cobra rack and pinion steering system – rebuilt in 2015
- Engine room blower
- Electric fuel pump
- Racor primary fuel filter
Electrical Systems
This vessel is designed to be independent from shore power with both a solar panel system and a wind generator. The system has been tested and proven during a 2700 NM passage from the Canaries to the Caribbean. In addition the main engine charges with a large Balmar alternator with additional charging via Solar and Wind. For shore power charging there is a European 240volt shore power connection. It is quite easy to add a step down convertor for US 110 shore power connection. The boat has not been plugged into shore power since 2014 and she is proven to be designed well. There is a booklet aboard showing all the wiring diagrams for the boat and equipment.
- 12 V electrical system
- Three Battery Banks: Bank one is two 12 volt sealed batteries 280 amp hours 2014; Bank Two is one AGM battery 240 amp hours 2015; Bank Three 90 amp hour start battery
- Total battery amp hours is 485
- Balmar alternator 100 amp
- Balmar external three stage regulator 2010
- Link 20 battery monitoring system
- DC Breaker Panel
- Deck level nav lights are LED Lopolights with waterproof installation
- Mast wiring junction box
- Mast head Tricolor LED light
- Steaming light
- Stern light LED
- Anchor light LED
- 12 v outlets 2
- Cabin lights
- 12v refrigeration Isotherm
- Two electric bilge pumps 3700 GPH
- Swim platform transom shower
- Shower sump pump
- Anchor wash down pump
Wind Generator 2014:
- Leading Edge 300 (300 watt wind generator 2014
Solar Panel System 2015:
- Two 100 watt solar panels mounted on the stern rail generate substantial power
- Operated through a DC/DC controller
Shore Power Electrical System:
- The boat's power system is designed to be totally independent from shore power.
- 240 volt shore power charging system
Rig and Sails
The standing rigging was all replaced in 2014 in preparation for the Atlantic crossing and an inner forestay was added with running backstays so support the addition of a smaller staysail that is self tacking. As soon as the wind picks up to 25 the genoa is furled and the self tacking staysail is deployed. With all control lines led aft to the cockpit this vessel is safe and easily managed by a couple. There are six winches and 19 spinlock line clutches to manage all the lines in the cockpit. The sails are in excellent condition and rigged by ocean sailors to sail safely in every condition.
- Sloop rig with inner forestay and running backstays added to support the staysail for offshore storm conditions
- Deck stepped Isospar anodized aluminum mast with double spreaders
- Bridge clearance with antennas is approximately 62' (ICW compatible)
- Upsized wire rigging new in 2014 with bronze turnbuckles
- Total sail area is 592 sq ft
- Main is 443 sq ft with full battens and mid boom sheeting to Lewmar traveler
- Mainsheet system is double ended so that it can be trimmed at the helm or at the companionway
- Traveler control lines in the cockpit
- Seldon Rodkicker rigid vang
- Gybe preventer with four part tackle port and starboard
- Jib car track with Lewmar blocks
- Harken and Seldon blocks also
- Forespar downwind pole on the mast track 2009 with fore and aft guys
- Internal halyards
- Line stoppers
- Most control lines led aft to cockpit
Sail Inventory
- Totally designed for ocean sailing by a couple. On passages the boat goes best upwind with a full mainsail and genoa. At about 18 knots upwind the genoa is furled and the self tacking staysail is set. Downwind the genoa is used with the downwind pole set. The staysail can be set sheeted in tight to help focus the wind onto the genoa and minimize the rolling action in a seaway.
- Neil Pride 130% genoa furling headsail with foam luff and UV cover (new in 2005)
- Staysail is a heavy duty flat self tacking sail rigged with a traveler. This sail can be furled part way as a storm sail.(2006)
- Ullman Sails mainsail ordered in Sweden in 2013 is a full batten sails with three reefs. The sailcloth is the heaviest available for offshore sailing.
- Reefing system is all in the cockpit with line stoppers and winches to make it easy for one person to reef never leaving the cockpit. On the Atlantic crossing they reefed the mainsail going downwind easing the halyard and trimming the reef lines in, all from the cockpit.
- Spinnaker by Momentum of Norway is flown as a drifter with the downwind pole, guy and sheet. The high tech guy is rigged with a shackle that can be released under load. The spinnaker can is set and retrieved with the sock.
- Six self tailing winches and 19 line stoppers
- Primary sheet winches Lewmar 54s on the coaming
- Secondary winches Lewmar 44s include two aft at the helm installed in 2007 with the staysail
- Two additional Lewmar 44 at the companionway for the mainsheet and reefing system
- Spinlock Line stoppers
- All control lines led to cockpit with line stoppers so that everything is managed without leaving the cockpit
Hull and Deck:
This great sailing family cruiser is fast and easy to sail. She is equipped with all the deck hardware and ground tackle needed for safe cruising. Her owners report that she is solid and well built. They are impressed with her performance in heavy weather.
- Modern fast hull shape
- Bulb keel with lead ballast with 30mm stainless steel keel bolts
- Balanced spade rudder with G3 rudder bearings
- Keel and rudder were dropped and resealed and glued in 2014
- Hull is solid fiberglass below the waterline and cored with Divinecell core above the waterline
- Thru hulls and sea cocks replaced in 2015
- Deck core is Divinecell with reinforced load areas
- Hull to deck flange is capped with an aluminum toe rail
- Deck hardware has backing plates
- Factory nonskid in good condition
- Lewmar Ocean hatches – large Lewmar 60 hatch forward and two more Lewmar 60 large hatches in the salon, six Lewmar 30 hatches
- Rutgerson portlight windows in the cabin house sides with plexiglass replaced in 2012
- Bow pulpit
- Double life lines
- Stern rail with walkthrough transom and swim platform
- Companionway hatch slides boards with 10mm tempered glass that slides easily with compressed gas stainless steel shock tubes.
Cockpit Details:
- Great seating for six plus
- Wheel steering is King Cobra rack and pinion steering system
- Instrument display over companionway
- Teak cockpit sole
- Mahogany cockpit table
- Cockpit speakers
- Aft lazarette is large and provides access to the steering quadrant
- Swim ladder/Boarding ladder
- Manual bilge pumps in the cockpit)
- Dodger and Bimini 2011
Ground Tackle:
- Double bow rollers
- LoFrans 1000 watt electric windlass with remote up and down controls
- New anchor wash down system for Chesapeake mud!
- Primary Anchor - 65 lb Delta with 300' BBB chain
- Secondary Anchor – 20kg Bruce with 40' of chain and 120' rode
- Kedge anchor is 20kg with extra rode or warp used for tying lines to shore
Additional and Safety Gear
- Dinghy stows under the boom on a passage and side tied on a bridle at anchor
- Yamaha 4 stroke outboard mounts on stern rail with outboard lifting crane
- Fenders – seven plus to large round fender balls
- Dock lines – six plus two extra long lines
- Flares current
- Fire extinguishers - three placed appropriately
- Horn- new air horn plus a manual horn you can blow
- Propane detector
- CO detector 2008
- Emergency tiller in the port cockpit locker
- Life sling mounted on the stern rail
- SPOT locator with message capability (requires subscription)
- PFDs six inflatables with harness and tether
- Life Raft, ten person raft stowed in hard canister in cradle on deck, last serviced 2014
- Waterproof ditch bag with handheld VHF, SPOT emergency locator, mirror, electronic flare, hand held compass
- Walkthrough transom for egress
- Manual bilge pump in cockpit
- Marpole placard
- Trash placard
- Jack lines
- Lee cloths
Darwin Sound has been meticulously maintained and upgraded to be a wonderful cruiser. Equipment is current and ready to go. You could actually buy the boat and sail away this Fall! You can't say that about many boats.
Owner's Comments (50 Years of Professional Seamanship):
So What Do You Get in A Dufour Classic 45 ?
If you are shopping for a boat, and looking at this one, there are many boats that you may think are in the same genre: Beneteau, Juneau, Hunter, Catalina, just for example. If they are a similar age, they may possibly have some similarrties, and sell for a similar amount.
Here is a short list that I used when deciding to buy a Dufour over one of the other options:
First compare the hull layup. The thru hull cut-out from under the galley sink is just one indication of how solid the hull is. You will not find any of the other vessels this thick. Dufour Yachts is under a different management since this boat was made, and I've been told that they could not afford this heavy layup any longer.
The 'floors' (those members that both hold up the cabin floorboards, and provide yet more stiffness) in the Dufour are over 3/4 of an inch of solid glass layup and over six inches in overall width. Again, take up the floorboards in other brands and make the comparison.
The showers and heads are of one piece monocoque construction, with no wood (except at the door frames) and nothing in the heads that can rot. Heads, in particular, provide an easy place for rot to start and this is not the case in the Dufour.
The amount of wood, and in particular the amount of solid wood in door frames, trim and cupboard doors. These doors and cupboards have been used for 16 years and are as solid as they when they were new. We replaced all of the hinges in the inside lockers just to keep everything tight and glowing. You will not find this amount or quality of wood in any of the newer boats.
The mast section and boom section are, I dare say, larger than any comparable craft, and the standing rigging is larger in correspondence to the mast section.
The boat is fast without being skittish. We crossed the Atlantic in under 17 days. We are often sailing at 7.5 to 8.5 knots, rather conservatively and very comfortably too.
The steering system (Lewmar -Whitlock) is rack and pinion, very responsive and very smooth . No wires, or pullies.
So What Do You Get in this particular Dufour Classic 45?
First of all this is a proven boat, we've sailed several passages including 4 times across the North Sea, across the Bay of Biscay, recently trans-Atlantic, and multi-day passages from the Caribbean. The boat has sailed well in seas that are by any standard rough, in winds to 50 knots. The boat and rig hold up well.
The standing rigging was replaced in 2014 This is a requirement in most European Insurance policies and we hired professionals especially experienced in rigging for tough environments.
The Yanmar engine has recently (2015) been lifted out and the seals between the leg and the engine renewed by professionals. While the engine has some 4000 hours of use, it runs perfectly. Regular oil changes are done every 200 hours, (fuel filters too). Mechanics in Sweden were involved when we replaced the morris cables, and in France where the engine was pulled. Both inspected and confirmed that we should do nothing more to the engine beyond our regular maintenance. The engine burns no oil in 200 hours, shows no smoke, and has always been run at 2500 RPMThe consensus is that the engine will continue for at least another 4000 hours. An estimate for an engine rebuild here in the US is about $6000.
Most Dufour 45's, and most of the yachts of this genre and era, have a rubber moulding at least at the stern. Some builders still do this (Hunter). After a few years these holdings start to grow mould and mushrooms, then get loose and fall off. On Darwin Sound the rubber was removed and the stern faired in in glass/epoxy. The bottom step at the stern was added in, and makes a real difference in getting from the dingy to the boat.
Almost all hatches have been renewed. The port lights are by Rutgesron, and the perspex has been replaced with lenses directly from Rutgesron in Sweden. Note the Stainless frames. Again, many boat manufacturers use Aluminum frames.
The rig has been modified to a cutter rig. This means that the genoa is not used partially furled except rarely when running downwind with the spinnaker pole on the genoa sheet. Going to weather or close reaching the genoa is furled, and the staysail with full main, or with reefs, drives the boat very well. The staysail is set on a self tacking traveller, so when used the boat tacks quickly and easily.
There is a sealed propane locker added under the transom, and the "US" spec tank is a Norwegian Fiberglass 25 pound tank.
The autopilot is an upgrade in 2011, and has an 'autolearn' function that is exceptionally good. We used it nearly 100% of the Atlantic crossing, where it handled following 3 to 4 meter seas as well as any of us could, and better than most humans could at night! There is a spare ram.
There is a spinnaker, with, of course, sheets and guy, snatch blocks, fairleads, and a spinnaker sock, all in great shape. We added two winches and other gear to facilitate easy handling.
As you know, plenty of gear has been added and all lines can be managed from the cockpit, making this an easy off-shore option for a couple, and realistic for a solo sailor. We reef the main without coming up into the wind, even when running. This is accomplished by taking up on the luff pennants simultaneously with the leech pennants, and easing the halyard to match.
We added extra mooring chocks port and starboard, which we use extensively with spring lines when docking. The most important line to come ashore is the aft spring, and until the boat is firmly alongside it is the only line necessary. We took the boat across the canals of France from the Med to the English Channel with well over 200 locks using the aft spring almost exclusively, ( and incidentally keeping the boat in gear against this spring for the added stability alongside a wharf. In our opinion there is no need for bow thrusters, which tend to slow down a boat while underway.
As for the Whitlock steering, all the bearings were replaced in 2015, as well as the 'rose' fittings on the tiller ram. Similarly the rudder was dropped to inspect the bearings, and while they were not worn, the were replaced with new ones, from JP3 steering of France, the company that makes the rudder system for Dufour.
The electrical system for the boat is completely upgraded. The engine alternator is by Balmar and is 100 amp. The solar panels are 100 watts each and the Leading Edge wind generator will give up to 30 amps. These are connected in such a way as the two main battery banks never have to 'see' each other. You can charge only the battery that is most down either by wind or solar. We crossed the Atlantic running the engine for only a total of 15 hours, and this only because I keep the batteries in the top half of their capacity.
The Highfield dingy is almost new, and in Hypalon. We bring it on deck via the main halyard and with practice this takes about 3 minutes. If you pull it with the engine on it slows the boat by about 5 minutes per hour, and adds the risk of loosing it. It does not interfere with sailing, and makes doing up the nail cover easier in that you can stand on the dingy.
Visit Website


text:
How to advertise a Business with us?
Here you will be guided step by step to advertise a business.
DubaiAbuDhabi is a very intuitive business directory. To advertise a business (hotels, restaurants, stores, companies, tours, online business…), click on the gray button "Add a business now" on the right side of the homepage. You can also click "Add Business" on the tab at the top of the same page. If you don't have an account, you must first create it.
1 – Register
- Click Register button at the top right of the screen.
- Enter a Username (choose a word easy to remember and no symbols).
- Enter your Email address.
- Fill out the security code (if applicable) and click Create Account.
- An email will be sent to the address you supplied.
2 – Login
- Enter your username and password.
Please read the Terms of Use before post your listing. There are very strict rules about the content.
3- Advertise a business
- Click "Add a Business Now" .
- Select package – We offer three paid packages an we accept payment by 2Checkout (by credit card) and PayPal. Choose the package that best fits your type of ad. Only the Gold and Diamond packages include featured listings. Feature on home page will give a huge visibility for your ad in all aspects. Feature on category page also gives a great emphasis to your ad when users search by categories.
4- Edit Listing Information
- Title –Provide a unique title, it will only benefit your Page Rank. Do not use capital letters.
- Address – Separate by commas: street, P.O.box, city. Then click Find on Map. Automatically appears the geographic coordinates and a pinpoint on map. If not, just type the city's name at the Address field. After appearing the pinpoint on the correct city drag it manually to the correct place on map where the business is located. Rewrite your address after positioning the pinpoint at the correct location.
- Category – Choose only one category for free listings.
- Phone – Add your valid phone number. If your ad is a business, a company or even a shop, telephone contact is very important because it helps the company to sell more products. We only accept valid contacts and from the United Arab Emirates.
- Website – Enter your website URL. This field is very important because it will create a link to your website helping you to get more visitors and make more sales.
- Twitter – Enter your twitter URL.
- Facebook – Enter your facebook URL.
- Google+ – Enter your Google+ URL.
- Select Images -Upload up to five images. Each image must not exceed 80kb (80000 bytes). If you do not have an image editor on your personal computer, you can format your images online. We suggest the picresize. The best format is 500x500px.
- Listing Description – Try to write an original text. Do not copy and paste text from your website, make some changes before. Do not repeat links, there is a particular field to add your website. Avoid short descriptions (less than 250 words) or very long (more than 1500 words). Write if you were describing someone else's business. Do not use subjective words, symbols, capital letters or your site's name.
- Tags – Tags are short keywords related to your business. Separate them with commas. Search keywords in your description and add them to this field separated by commas. We only accept up to 50 characters.
- Click "Next Step" button to publish you ad.
5 – Payment
Currently we only accept paypal. Soon we will provide payments via mobile payments (sms premium).
We will do everything to give life to all inserted ads but if it's impossible for us to edit them, they will be rejected without any refund.
Be careful because we do not approve advertisements about goods for sale, but only announcements about brands, companies or business services. If you pay listings about products (eg mobile phones for sale), your ad will be deleted and you will not receive any refund. Please read our Terms of Use.
After payment your ad will be pending for approval. If the ad comply with our terms of use, it must be approved in less than 48 hours.

subset: commoncrawl


text:
2002 Dodge Stratus Repair and Maintenance Costs
A guide to repairs, service, and maintenance costs for your 2002 Dodge Stratus
Never overpay. Check prices with our estimator
Verified by mechanics, reported by drivers like you
Ask a mechanic in our community
2002 Dodge Stratus ProblemsWater Leak Due to Plugged AC Drain
A plugged AC evaporator drain tube can cause a water leak inside the car; usually near the front passenger's feet.
When a no start condition is caused by a faulty camshaft or crankshaft sensor, related fault codes stored in the powertrain control module (PCM) should not be trusted. Our technicians tell us that under certain conditions a fault code can be stored for the "good" sensor. Care should be taken to properly diagnose this condition.
2002 Dodge Stratus QuestionsI have a 2002 dodge stratus with a 2.4 liter 4 cylinder. I just had to replace (1 answer)
The timing belt. Now before we took the old belt off the book told us to set the timing marks on the two cam gears to point towards eachother before we removed old belt so we did that and replaced the belt and put it all back together. The car runs great, accelerates good and rpms come down good...
A cracking sound come from the steering column like something broke or cracked and then my cars air bag light came on. What would that be and is it OK to drive without getting hit in the face by a 200mph air bag because it just decides to deploy.
I have had many issues with my climate controls with A/C and heat with the A/C I have to run a jumper wire to a relay to a toggle switch inside the car on the ground side for A/C and this has worked for years however I have no heat... I have flushed the system and it seems the heat is running thr...
2002 Dodge Stratus RecallsPassenger Sun Visor Propels Rearward In An Accident When The Air Bag Is Deployed
The passenger sun visor may be propelled rearward in an accident when contacted by the deployed passenger frontal air bag. Dealers will install the correct tether strap to retain the passenger sun visor free of charge to resolve the concern.
The passenger side sun visor may detach if an accident occurs with it in the down position, and the passenger front air bag is deployed, striking it. Dealers will install a tether strap to retain the visor free of charge to resolve the concern.


text:
Victoria's Purrrrfect Treasures
Victoria ~ Proprietress, New Germany, NS, Canada
A beautiful quality vintage glass bead clutch style purse or evening bag. This clutch measures about 10 1/4 by 5 inches. Gently worn and in good clean vintage condition lovingly stored in a smoke free home. Lining inside is clean and in good vintage condition with one smaller area for storing gum , comb, mirror and one larger area for wallet accessories etc. . Snap closure tested and works well.
Another shopper has this item in their Cart or Wish List .
Dear Customers we do offer Layaway with flexible options. We combine Shipping on Multiple Orders.
Welcome and Happy Shopping! We offer Square & Interac Email Money Transfer to our Canadian Shoppers.


text:
Windows Mobile 6.5
Download this episode
Learn more about the cool new Windows Mobile 6.5 mobile platform! We discuss the new User Interface (UI), the new in-ROM applications and other developer offerings. We will also demo the new Windows Mobile 6.5 UI and productivity enhancements such as single number reach.
Download:Slides View Slides Online
Available formats for this video:
Actual format may change based on video formats available and browser capability.
Event HomepageTech·Ed North America 2009
More episodes in this series
What's New for Microsoft System Center Essentials 2010?
Related episodes
Change Opens Doors and Creates Opportunity
Women in Technology Luncheon: Managing Change and Transitions
Mobility Smackdown
The Discussion
Comments closed
Comments have been closed since this content was published more than 30 days ago, but if you'd like to continue the conversation, please create a new thread in our Forums, or Contact Us and let us know.


text:
Lorell Cube Leather Mobile SeatReception, Side & Guest Chairs
19.8" x 17.3" x 19.5" - Leather Black Seat - View Complete Details
Product Number: LLR44850
In Stock - Hurry, only 124 left.
Estimated Delivery - 1 business day(s) - Fri 2/24 2 business days - Mon 2/27
Free Returns - Return this item free of charge. View Details.
Free Shipping - This item qualifies for Free Shipping
- Add to Compare
- Request Quote
- Read Questions & Answers
You May Also Like
Product Details
Lorell Cube Leather Mobile Seat - Stylish mobile seat offers a soft cushion and black bonded leather upholstery on all visible sides. Use as an ottoman or additional seating in conference and reception areas. The elegant, armless seat allows unlimited design possibilities. Move easily with four casters that lock for stability.View Product Specs
Still have a question? Click to ask a Question
ReviewsThere are no Customer Reviews yet.
Help out our customers.
Be the first to write a review.
Question & Answer
No questions have been posted for this product.
Have a question about this product? Please click the button below to get started. Once you have posted your question we will submit it to our community of customers and with our own staff who have recent experience with the same product for their open and honest feedback.Ask a Question


text:
Top Definition
Pronounced (dewey bars) These are the up-turned handlebars (as opposed to the drops) of a ten-speed bike favored by people who can no longer drive a car due to too many DUI's.
Dude, did you see Snag go by on that ten-speed with DUI bars? He finally must have got his license revoked. Eisenhower was president the last time I saw him sober.
by piankeshaw June 02, 2008
The Urban Dictionary Mug
One side has the word, one side has the definition. Microwave and dishwasher safe. Lotsa space for your liquids.Buy the mug
The Urban Dictionary T-Shirt
Smooth, soft, slim fit American Apparel shirt. Custom printed. 100% fine jersey cotton, except for heather grey (90% cotton).Buy the t-shirt


text:
Every journey tells a story.Bring with you only wonder, nothing else is needed...
You can do this on the basis of specific interests, choosing the area you prefer, using keywords or browsing the map!
From a special treat to the "Punto di Lamporecchio"
Following the sparrows; weddings in Montefioralle; a river of robust Chianti and bundles of field flowers – by Costanza Baldini
A warrior people on the paradise pass
The "Good Government" frescoes by Ambrogio Lorenzetti. A simbiotic link between city and countryside, an ethnic and aesthetic model of civilization
Art and nature trails between the Apuan Alps and the sea: scenery that has bewitched myriad travelling artists
A soulful journey through time, spanning art, legend and faith


text:
Online Resources
Please enter your 14-digit library card number if requested.
- MeL Learning Express Library - Tutorials - Test Prep - Skill Building
- Business Insights: Global - Corporate Information - Market Segments - Industry Overview
- MeL Jobs Gateway
Midland & Tri-Cities Resources
- Michigan Newspaper Classifieds -Ann Arbor, Bay City, Jackson, Flint, Grand Rapids, Kalamazoo, Muskegon, and Saginaw
- Michigan Works! Great Lakes Bay Region
- Midland Daily News Classifieds
- MidMichigan Help Wanted
- My Tri-City Jobs - Great Lakes Bay region (includes Flint and Mt. Pleasant)
- Snag A Job - Midland
Michigan Resources
- Pure Michigan Talent Connect - Michigan Talent Bank
- Michigan Occupational Licenses
- Michigan Civil Service Commission
Michigan Unemployment Resources
- MI Unemployment Insurance Agency (UIA) - File online or by phone, 866-500-0017
- Michigan Works! - Provides in-person assistance, computers, and job postings, at local offices throughout the state
More Job Searching Sites
Resume, Cover Letter & Interview Help Sites
- About.com Job Search - Tips on interviewing, cover letters, and resumes
- Sample Resume - State of Michigan
- Sample Cover Letter - State of Michigan
- Interview Tips - State of Michigan
- AARP Job Tips for 50+ Workers
- Monster Career Tools
Jobs for Teens
updated 6/16/16


text:
Hello and welcome to my blog! I'm Jamie, the blogger behind anderson + grant. I am a single, 33 year old who lives in my hometown of Brockway, Pennsylvania and this is my outlet for sharing creative DIY projects, delicious foods, inventive decorating tips, and my thoughts on how to lead a happier life.
While this sounds like practically every other lifestyle blog, I've always enjoyed creating things. I was lucky to have two amazingly creative parents who passed their skills and passions on to me. They made me feel as though I can really do anything I put my mind to, whether it involves a stove, a sewing machine, a paint brush, or a drill. My dad was a carpenter and was always creating something. He was an original "repurposer" and would bring home things from houses he was working on to turn into something else at our home. My mom is a talented seamstress and crafter and loves decorating the house. I was always encouraged to be creative, whether it was with a paintbrush, behind the piano or on the dance floor. It is no wonder I am filled with so much desire to live a creative life.
All of us have the ability to create an extraordinary life and home, regardless of where we are from or how much we have in the bank. My hope is that you can find a little piece of inspiration in every post that can be applied to your own life, in your own way to create the life you've dreamed about.
Thanks for stopping by anderson + grant. I can't wait to get to know you better!
Follow me on Bloglovin'
Send me an email
Look through my Online Shop


text:
Would appear Sean 'Diddy' Combs and rumored ex-girlfriend, Cassie, are still together.
A few days ago, reports had it that the pair had called their relationship quits following a heated argument after which the police were called.
The duo who have been dating for five years are reported to have been engaged in a shouting match inside their car on Wednesday, August 17, 2016, after the singer revealed her intentions to end the relationship.
Reports also said that Diddy had immediately grabbed Cassie's phone, and exited the car, scrolling through it in the possible hopes of finding the reason for her plans to end their relationship.
Cassie had gone home with the driver, where she called her mother, informing her of the fight and the fact that Diddy had seized her phone.
Now, today, August 23, 2016,, Diddy shared a bikini photo of Cassie with the caption, "always."
Apparently, the longtime couple is still together and those split rumors were just….. well, rumors.


text:
The Company's achievements for the year 2015:
Power to the regions
Developing the electric grid infrastructure of the Central and Volga regions of the country, energy of IDGC of Center and Volga region introduced about 2,400 km of transmission lines and more than 350 MVA of transformer capacity. The largest and most important projects have been implemented in the Kaluga, Tula and Nizhny Novgorod regions. Reconstruction and modernization of existing power facilities, building new allowed us to increase the reliability and quality of electricity supply, reduce the energy deficit of the power centers.
Platform growth
In March 2015, in Kaluga region there was completed the construction of the substation (SS) 110/10 kV "kolosovo" and double circuit transmission lines 110 kV "Sozvezdie-kolosovo". This ensured the possibility of technological connection of new consumers in the Western site of the industrial Park "Vorsino".
In the Nizhny Novgorod region to increase the reliability of power supply, Bogorodsky district was the reconstruction of the substation 110 kV "Leather".
Key investment projects 2015 in Tula region became the reconstruction of overhead power lines (VL) 110 kV Zvezda-Begichëvo" with a tap on ol 110 kV Zvezda-Volovo", as well as complex reconstruction of substation 110/10/6 kV "Oktyabrskaya" with replacement of power transformers. The successful implementation of the tasks of reconstruction of the substation will allow to provide perspective build-up of Zarechensky area of Tula and the surrounding areas with the necessary electricity and power, will significantly improve the quality and reliability of power supply of consumers of the city.
In General, the company's investment program for 2015 were provided for the modernization and development of all nine regional energy systems under the management of IDGC of Center and Volga region.
2015 has become for energy companies and important in the field of innovation - obtained 3 patents for invention and 1 utility model. For the first time in Russia in the branch "Nizhnovenergo" has passed experimental-industrial operation area innovation network at the voltage of 0.95 kV. The use of innovative network allows to increase the reliability of the power grid complex to reduce the cost of technical maintenance of networks, to minimize the loss of electricity and the impact of production processes on the environment. The program of innovative development of the grid complex infrastructure is actively implemented in the energy company since 2011. Now the Company is the holder of 26 patents and certificates for innovative devices, software, diagnostics, networking. These developments will be commissioned at the power facilities that will help to solve the problem of increasing the reliability of supply to consumers at a higher level.
Reduction of losses
In 2015 due to the successful implementation of the program of energy saving and energy efficiency increase of IDGC of Center and Volga region managed to reduce electricity losses by 0.16 percentage points (compared to 2014). The total effect of the implementation of the program amounted to 215 million kWh (more than 250 million rubles.).
Available power
By the end of 2015, the Company signed 51`603 contracts for technological connection for a total capacity of 1`323 MW, including 48`491 treaties concluded with the "privileged" applicants up to 15 kW (94 % of the total number of contracts). To 89 days reduced the average time from receipt of application to registration of the act of technological connection to networks.
Occupational safety
Security in the workplace - a priority in the policy of IDGC of Centre and Volga region". The life and health of employees of IDGC of Center and Volga region is a core value of the company. Regular safety training sessions, exercises and testing of the staff help to prevent accidents in the workplace.


text:
Download presentation
Presentation is loading. Please wait.
Published byAnton Nephew Modified about 1 year ago
www.ober.com The Financial Services Industry and the CFPB: Regulatory and Enforcement Agenda in 2013 1 Presented by Andrew F. Campbell Ober|Kaler
www.ober.com Introduction Summary Objectives
www.ober.com Agency History Created by Title X of the Dodd-Frank Act, the Consumer Financial Protection Act of 2010, to address "widespread failures in consumer protection and rapid growth in irresponsible lending practices." Agency formed to: focus directly on consumers, rather than on bank safety and soundness or on monetary policy heighten government accountability by consolidating in one place responsibilities that had been scattered across government Exercise responsibility for supervision and enforcement of consumer protection laws and providers of consumer financial products and services that escaped regular Federal oversight protect families from unfair, deceptive, and abusive financial practice 3
www.ober.com Inherited Laws Laws inherited to the CFPB: Electronic Fund Transfer Act (except with respect to Section 920) Equal Credit Opportunity Act Fair Credit Reporting Act (except with respect to red flag rules and proper disposal of records the Fair Debt Collection Practices Act Consumer Privacy the Truth in Savings Act Section 626 of the Omnibus Appropriations Act, 2009 (mortgage advertising; foreclosure and modification scams) Supervision of non-insured depository institutions Consumer Leasing Act the Interstate Land Sales Full Disclosure Act
www.ober.com Inherited laws (continued) Mortgage Related Laws Truth in Lending Act ("TILA") Home Mortgage Disclosure Act ("HMDA") Real Estate Settlement Procedures Act ("RESPA") S.A.F.E. Mortgage Licensing Act Mortgage Advertising Rule (Regulation N) Alternative Mortgage Transaction Parity Act of 1982 Home Owners Protection Act of 1998 ("HOPA") Home Ownership and Equity Protection Act of 1994 ("HOEPA")
www.ober.com Firms under CFPB jurisdiction Large depositories (more than $10 billion in assets) Lenders and loan services, including mortgage-related businesses, payday lenders, automobile lenders, and private student loan providers Loan originators and acquirers, purchasers, sellers, and brokers Sellers, providers, and issuers of stored-value instruments Those engaged in check cashing, collecting, and guaranty services Payment processors Others, including credit reporting services and debt collectors Service providers to any of the above persons
www.ober.com Community Banks CFPB will not generally have examination authority over banks and credit unions with under $10 billion in assets CFPB may require reports of these entities to support its exams of other depository institutions or assess risks to consumers and markets - "Ride along" provision CFPB may include examiners on a "sampling" basis on exams of smaller banks and credit unions 7
www.ober.com Two Types of Authority SUPERVISORY AUTHORITY, which includes the power to examine and require reports from the persons that it supervises to: assess compliance with Federal consumer financial law obtain information about such persons' activities and compliance systems or procedures detect and assess risks to consumers and to the consumer financial markets ENFORCEMENT AUTHORITY, which allows it to bring to bear its arsenal of enforcement powers against an entity that has violated one of its inherited areas of jurisdiction or committed an unfair, deceptive, or abusive act or practice (UDAAP)
www.ober.com Supervisory Authority Dodd-Frank gave the CFPB supervisory authority, which is the power to examine and require reports (think bank regulator), over: Very large banks (over $10 billion), thrifts, and credit unions, and their affiliates, and Nonbank covered persons of all sizes engaged in the following activities –Origination, brokerage, or servicing of residential mortgage loans secured by real estate, and related mortgage loan modification or foreclosure relief services, mortgage servicers are subject to examination –private education lending, and –payday lending markets
www.ober.com Supervisory Authority (continued) The CFPB also has the authority to supervise nonbank ''larger participant[s]'' in markets for other consumer financial products or services The Bureau this far has defined such ''larger participants'' in the debt collection and consumer reporting areas Debt collection jurisdiction would cover 175 of the approximately 4,500 U.S. debt collectors, debt buyers, and collection law firms; i.e., those firms with over with more than $10 million in annual receipts The Bureau intends that this proposal and subsequent initial rule will be followed by a series of rulemakings covering additional markets for consumer financial products and services
www.ober.com Enforcement Authority Nonbank entities are subject to the CFPB's regulatory and enforcement authority regardless of size or whether they are subject to the Bureau's supervisory authority; i.e., everybody is subject to enforcement action The CFPB is in the position of drafting rules that interpret the inherited laws and is able to enforce compliance with those rules The CFPB also has catch-all authority to address unfair, deceptive or abusive acts and practices (UDAAP) and is able to include a UDAAP, and in some cases a fair lending component, to each of its rules, thereby giving itself additional enforcement jurisdiction
www.ober.com Agency Structure – Core Functions Rule-making Supervision, and Enforcement Restrict unfair, deceptive, or abusive acts or practices (UDAAP) Process Consumer Complaints Promote financial education Research consumer behavior Monitor financial markets for new risks to consumers Enforce laws that outlaw discrimination and other unfair treatment in consumer finance
www.ober.com Enforcement is THE Core Function Enforcement actions are used to define Agency authority and announce new Agency positions Large Enforcement staff dwarfs other agencies Enforcement attorneys will accompany examiners Fair lending staff member assigned to each supervisory exam for banks and nonbanks
www.ober.com Sources of Enforcement Action Supervisory Exams Consumer Complaints – "State of the Art" call center and information handling systems Agency statement on whistleblowers – being given top priority Cross-referrals from and joint initiatives with other federal agencies, including the FTC, DOJ, and HUD Cross-referrals from and joint initiatives with the State Attorneys General Market Data Research
www.ober.com Enforcement Remedies Rescission or reformation of contracts Refund of money or return of real property Restitution Disgorgement or compensation for unjust enrichment Payment of damages or other monetary relief Public notification regarding the violation Limits on the activities or functions of the person against whom the action is brought –Civil Money Penalties –up to $5,000 per day for the violation of a rule imposed by the CFPB –up to $25,000 per day for the reckless violation of a federal consumer protection law, and –up to $1,000,000 per day for a knowing violation of a federal consumer financial law
www.ober.com UDAAP UDAAP = Unfair, Deceptive, or Abusive Acts or Practices In addition to the authority to enforce the laws that it has inherited, the Dodd-Frank Act gave the CFPB "catch-all" authority to restrict unfair, deceptive, or abusive acts or practices through regulation and enforcement The existing UDAP standard is provided by the FTC Act and State "UDAP" statutes, but DFA added the term "abusive," which may lead to more expansive interpretations regarding covered activity CFPB considers "unfair," "deceptive," and "abusive" as three separate terms, each with its own meaning to be determined Congress and Industry concerns that standard will be interpreted subjectively
www.ober.com Traditional UDAP Standard Section 5 of the FTC Act: "Unfair" – an act or practice is unfair if it : –Causes or is likely to cause substantial injury to consumers –Cannot be reasonably avoided by consumers; or –Is not outweighed by countervailing benefits to consumers or to competition –Public Policy may be considered with all other evidence "Deceptive" – an act or practice is deceptive where: –A representation, omission, or practice misleads or is likely to mislead the consumer –A consumer's interpretation of the representation, omission, or practice is considered reasonable under the circumstances –The misleading representation, omission, or practice is material"
www.ober.com New Term: "Abusive" The CFPB may declare an act or practice abusive if it – materially interferes with the ability of a consumer to understand a term or condition of a consumer financial product or service; or takes unreasonable advantage of — a lack of understanding on the part of the consumer of the material risks, costs, or conditions of the product or service; the inability of the consumer to protect the interests of the consumer in selecting or using a consumer financial product or service; or the reasonable reliance by the consumer on a covered person to act in the interests of the consumer The term will likely be defined by enforcement action (we'll know it when we see it 18
www.ober.com Potential Applications of UDAAP Standard Truth in Lending/RESPA disclosures Risk-based pricing notices Mortgage Loan Originator compensation Mortgage loan products and pricing Mortgage product advertising Credit card programs and pricing Overdraft protection programs Debit card practices and pricing Fees of any kind Information reporting and sharing: FCRA to Reg P Practices in industries that provide financing to consumers: –Payday –Automobile financing –Student loans Fair Lending
www.ober.com CFPB Enforcement Actions in 2012 PHH Corporation Credit Cards – AMEX, Discover, and Capital One Mortgage Advertising Payday, etc. Many more investigations, generally private unless revealed or resisted by target (look for Fair Lending)
www.ober.com PHH Corporation CFPB served PHH with a Civil Investigative Demand in in May 2012 The CID initiated an investigation into alleged insurance kickback practices and requested information regarding every aspect of PHH's mortgage operations, including documentation going back 11 years After several failed attempts to negotiate with CFPB staff to modify the CID, PHH filed a petition under CFPB procedures to set aside the CID as overly broad and in violation of Dodd-Frank The CFPB, per Director Cordray, denied the petition on September 20, 2012 Lessons Petitioners must be specific in their objections to a CID; e.g., they must specifically describe the burdens of compliance and why the information sought is not relevant to the investigation Petitioners must follow the timing and other procedural requirements of the CID process It is important for persons who receive CIDs to engage in the meet and confer process set out in CFPB regulations; CFPB will only consider issues that have been raised in the M&C process 21
www.ober.com Credit Card Issuers CFPB launched enforcement actions against Discover Bank, and Capital One Bank (USA), N.A., for allegedly "deceptive acts or practices" in connection with their marketing, sale and operation of payment protection, credit monitoring and other add-on products to credit card consumers Also pursued an action against AMEX Centurion Bank and other AMEX subsidiaries, alleging violations of "consumer protection laws... at all stages of the game – from the moment a consumer shopped for a card to the moment the consumer got a phone call about long overdue debt" Where applicable, CFPB launched the action in coordination with the bank's primary bank regulator (AMEX – FDIC, FRB, OCC and Utah; Discover Bank – FDIC, and Capital One Bank – OCC) The result were refunds to consumers (AMEX - $85 million; Discover Bank - $200 million; and Capital One Bank - $140 million) as well as civil money penalties to EACH regulatory agency involved
www.ober.com Credit Card Issuers – Capital One Bank Capital One Bank (USA), N.A. is an example of CFPB practice Bank admitted no wrong-doing Action was brought by CFPB under its UDAAP authority The enforcement action based on behavior of the Bank's service providers The Consent Order Required submission of a remediation plan to CFPB within 30 days Required submission of a compliance plan, including an overhaul of the Bank's compliance management system, to CFPB for supervisory non- objection Created new substantive disclosure and cancellation/refund requirements not found elsewhere in CFPB regulations Required the Bank to submit a written policy governing the management of service providers to CFPB for supervisory non-objection The above-changes also required Bank to address all consumer products, even those that were not the subject of the enforcement action
www.ober.com Credit Card Issuers – Enforcement and Policy In coordination with the enforcement actions against the credit card banks, CFPB issued CFPB Bulletin 2012-06 ("Marketing of Credit Card Add-on Products") CFPB Bulletin 2012-06 sets forth CFPB expectations regarding the marketing and sale of credit card add-on products, including Written policies and procedures Periodic quality assurance reviews Independent audits Improved oversight of affiliates and third-party service providers A consumer complaint resolution processes Training for employees involved in the marketing, sale, and operation of products CFPB Bulletin 2012-06's general requirements can be seen as applicable to all consumer products
www.ober.com Credit Card Issuers - Lessons Development of the UDAAP standard through enforcement action and compliance bulletin rather than through the regulatory process Requirement to development CFPB-approved compliance plans and compliance maintenance systems Exportation of the results of enforcement proceedings (e.g., disclosure and other substantive requirements) to the industry as de facto regulatory standards Reliance on consumer complaints Significant level of civil money penalties
www.ober.com Mortgage Advertising CFPB and FTC announce the issuance of warning letters to approximately a dozen mortgage lenders and mortgage brokers advising them to "clean up potentially misleading advertisements, particularly those targeted toward veterans and older Americans" Actions stemmed from a joint "sweep," a review of about 800 randomly selected mortgage-related ads across the country, including ads for mortgage loans, refinancing, and reverse mortgages The Sweep identified problems, such as: Potential misrepresentations about government affiliation Potentially inaccurate information about interest rates Potentially misleading statements concerning the costs of reverse mortgages Potential misrepresentations about the amount of cash or credit available Warnings may be the first step in enforcement actions against the companies
www.ober.com Regulatory Initiatives for 2013 Mortgage Related Initiatives QM/Ability to Repay – Regulation issued January 10, 2013 (http://www.consumerfinance.gov/regulations/)http://www.consumerfinance.gov/regulations/ Mortgage Originator Compensation – Regulation expected January 2013 QRM and sales of mortgages into the secondary market National Servicing Standards High cost mortgage, escrow, and appraisal rules
www.ober.com QM/Ability to Repay Ability to repay – all new mortgages must protect consumers from taking on loans they don't have the financial means to repay Lenders must consider and document at least the following 8 factors: current or reasonably expected income or assets; current employment status; the monthly payment on the covered transaction; the monthly payment on any simultaneous loan; the monthly payment for mortgage-related obligations; current debt obligations, alimony, and child support; the monthly debt-to-income ratio or residual income; and credit history A borrower must have sufficient assets or income to pay back the loan Teaser rates may no longer mask the true cost of a mortgage; analysis must include fully phased-in rates 28
www.ober.com QM/Ability to Repay (continued) Qualified Mortgages – lenders will be presumed to have complied with the Ability to Repay rule if they issue "Qualified Mortgages." Loan features – loan term may not exceed 30 years, may not provide for interest ‐ only payments, balloon payments or negative ‐ amortization Points and fees paid by the consumer may not exceed 3% of the total loan amount Cap on how much income may go toward debt – 43% No down-payment or credit score requirements Safe Harbor for QM loans that are not higher priced Effective Date: January 10, 2014
www.ober.com Mortgage Originator Compensation Restriction on upfront points and/or fees – must have a "zero/zero alternative General restrictions on compensation May not be based on the terms of the transaction other than loan amount Limited ability to participate in pooled compensation, profit-sharing, and bonus plans Loan originators may not be paid by both consumers and other parties Other bans general agreements requiring consumers to submit any disputes that may arise to mandatory arbitration generally bans the financing of premiums for credit insurance requires depository institutions to establish and maintain procedures to assure and monitor compliance with the SAFE Act
www.ober.com QRM/Risk Retention Rule Required by Dodd-Frank, institutions selling mortgages into the secondary market must retain a portion of the risk (5%) unless the mortgages qualify as "qualified residential mortgages" (QRM) The proposal Loan features of QRMs generally match the QM criteria (i.e., no negative amortization, interest-only payments, etc.) Required underwriting standards such as maximum debt to income, loan-to- value ratios, and credit history requirements Required down payment of at least 20% Issuance of QM/Ability to Repay Rule may signal a broadening of the QRM standard
www.ober.com National Servicing Standards Regulation expected CFPB to issue new mortgage servicing rules January 2013 Clear monthly mortgage statements (TILA) Warning before interest rate adjustments (TILA) Prompt payment crediting and payoffs (TILA) Options for avoiding Forced-Place insurance Early information and options for avoiding foreclosure (RESPA) Error resolution and information requests (RESPA) Information management policies and procedures (RESPA) Early intervention and continuous contact with delinquent borrowers (RESPA Loss mitigation procedures (RESPA) 32
www.ober.com Regulatory Initiatives for 2013 - Fair Lending One of CFPB's primary responsibilities and emphasis CFPB's fair lending unit has begun planning several rulemakings mandated by the Dodd-Frank Act, including those regarding collection and reporting of small, minority- and women-owned business loan data under ECOA and reporting of additional data fields for all companies required to report under HMDA "CFPB's Fair Lending and Enforcement offices have a number of pending fair lending investigations, including matters arising from the CFPB's supervisory activity and joint investigations with other federal agencies. While the details of ongoing investigations are confidential, the CFPB's conclusions will typically be made public if an enforcement action is filed at the conclusion of an investigation." Fair Lending Report of the Consumer Financial Protection Bureau (December 2012) 33
www.ober.com Fair Lending (continued) On December 6, 2012 entered into a Memorandum of Understanding with the Department of Justice for information sharing and joint enforcement Participation in Federal Financial Fraud Enforcement Task Force's Non- Discrimination Working Group and Federal Interagency Task Force on Fair Lending with bank regulators Disparate Impact Analysis in Fair lending Cases –CFPB Bulletin 2012-04 (Fair Lending) (April 18, 2012) –Fully embraces the use of disparate impact analysis in lending discrimination cases –CFPB has likely initiated research into market data to find instances of disparate impact Creation of Academic Research Council made up of university economics professors; likely to be influential in advising CFPB on empirical studies in areas including fair lending
www.ober.com Conclusion/Questions Concluding Remarks Questions
Similar presentations
© 2017 SlidePlayer.com Inc.
All rights reserved.


text:
Is Trio A V incorrect or missing key business information? Update your Hotfrog listing today.
Contact details
Are these details correct?
Hotfrog Singapore provides information regarding Trio A V in Singapore. Trio A V is located at 51 Kampong Bugis #04-03C Singapore-johore Factories Building, Singapore 338986 and provides Audio Equipment & Supplies services. Contact them on 62993328.
Is Trio A V in 51 Kampong Bugis #04-03C Singapore-johore Factories Building, Singapore 338986 your business? Claim your listing and attract more leads by adding more content, photos and other business details.
We have more Audio Equipment & Supplies services in Singapore available on Hotfrog Singapore. You can update your search for Audio Equipment & Supplies by location, keyword or service options.
rf 6re d Adam Road Singapore 286654
Small Business Hub
Sharing tips, ideas and advice to help grow your small business.
Create your free Hotfrog business profile
Follow Hotfrog on:
Share on:
Hotfrog Small Business Hub


text:
Most listings are in the $90's per square foot per year. The Murray Hill region is experiencing a a rise in rates. In the last 3 months, the median rate rose $16 per sqft per year. That's a 22% rise in rent.
Compared to the rest of the New York City market, the Murray Hill submarket has more expensive rates, and you'll need to make a great offer to be in this hot region.
In the last 90 days, 67 listings have come on the market, so you'll want to check back regularly for new listings. About 6% of the listings in the Murray Hill are subleases, so you will probably have to consider a longer term lease. There aren't many listings below 2,000 square feet posted, so finding a space for a small business might be tough.
Even though the median size is 3,790 sqft, there are still 0 new listings below 2,000 sqft. Most properties in this region are close to 6 floors. Most buildings in this area were built in 1920 and are Class A.
Not much of the real estate is used for commercial space, so it might be hard to find office space. Utilities is the dominant industry in this market. Commute by car is the most popular way to get to work amongst Murray Hill occupants. Commuting around an hour a day is the norm for those who opt to reside in this part of town.
Trends and status of the commercial real estate market in Murray Hill.
Market Report
Real time and historical data on commercial real estate listings in Murray Hill.


text: Name: Heavenly Home. Descripton:With our personal commitment to service, entertainment and high class living, We now present a place for Mom and Dad. Your parents can live and experience the greatest quality of life for the lowest price available. You can rest assured, knowing that you have found the best home for them at the lowest price in the valley OR IT'S FREE, GUARANTEE!!. It is such a fine mansion, with all the services and care that you could ever want for your loved one. We are so grateful for the opportunity to care for the ones that loved and worked so hard for you. The satisfaction of knowing they are living where they will be given the highest amount of attention, love and care anywhere, makes it possible to feel peace about your efforts to help them. Having your loved one here with us, makes it possible for you to be the very best PERSON you can be, when you come to see them. You are happier, well rested and energetic and they respond to that and they are happier. The space between you makes the interactions so healing and comforting. Your loved one will always be part of our family! WE go the extra mile in sooo many ways, including bringing them to you and taking them to places that no other care center would take the time to take them to, without charging you an arm and a leg. We love this work and would do it for FREE if our children didn't have to eat!! . Everyone will want to visit them here with us. They will have a happy, great smelling, clean, upbeat, cheerful home. This is a level one and two home, so all of their needs can be taken care of, Come in and take a FREE tour with our on-site Administrator! See the breathtaking view from the mountain. Even our CNA's and staff live on site to offer the most affordable 24 hour care available! We look forward to meeting you.


text:
When killed outside of the Tohru Spinner, my character awoke in the Marquise Spinner hospital. I was in the middle of a corporate mission that was acting a little buggy (I was having trouble shooting) when I got one-shotted by the single opponent. No lancemates. Save available. GearHead 2 Version 0.460.
Log in to post a comment.


text:
Board of Directors Vacancy: Alberta Representative
Individuals interested in running for a position on the NWACUHO Board of Directors should visit our application page, which details the process for submitting your materials for one of our open positions. Elections are facilitated by the current NWACUHO Past-President. If you have any questions about running for a position, please email email@example.com.


text: We're sorry, Japanese Teapot is no longer available Why not try one of these instead? Lotus Flowering Tea Gift Set With Glass Te... by The Exotic Teapot £28$48.05€33.55$35.87 Two Cup Hand Knit Tea Cosy by Chi Chi Moi £21$36.04€25.16$26.90 free UK delivery Blue Tenshi Cast Iron Teapot Japanese Style by The Exotic Teapot £30$51.48€35.95$38.44 Xian Glass Teapot With Infuser by The Exotic Teapot £28$48.05€33.55$35.87 Pinch to zoom Japanese Teapot by Idyll Home £24.95$42.81€29.90$31.97 This item is no longer available Favourite Favourite View your favourites tea cup settea cup setNo thanksYes please (+ £22.95)tea cup setNo thanksYes please (+ $39.38)tea cup setNo thanksYes please (+ €27.50)tea cup setNo thanksYes please (+ $29.40) we're sorry we're sorry, This item is no longer available buy a gift voucher related categories home > dining room > tableware > teapots home > kitchen > kitchen linen > tea & coffee cosies by Idyll Home Location: Cheshire, GB read seller's profile see seller's complete range more items from this seller Japanese Tea Cup Set by Idyll Home £22.95$39.38€27.50$29.40 Patterned Mug Set by Idyll Home £24.95$42.81€29.90$31.97 Hand Dipped Crockery by Idyll Home £19.95$34.23€23.91$25.56 Crumple Crockery by Idyll Home £7.95$13.64€9.52$10.18 Patterned Bowls Set by Idyll Home £24.95$42.81€29.90$31.97 Patterned Milk Jug by Idyll Home £9.95$17.07€11.92$12.74 view all you may also like PRODUCT DETAILS CUSTOMER REVIEWS DELIVERY RETURNS ask seller a question save for later A pretty Japanese style teapot. Lovely printed patterned teapots that match and complement the rest of this Bloomingville range of cups, mugs, milk jugs and bowls. These sweet little teapots have a Japanese style to them with the printed patterns and bamboo handles, perfect for speciality teas. They make beautiful gifts and look stunning displayed on shelves when not in use. made from: Ceramic. dimensions: Dia 17cm H 12cm Capacity 780 ml product code: 220307 2 customer reviews read about our product rating system ratings guide trusted independent customer feedbackforum excellent bad good poor This product is dispatched to you by Idyll Home. You have 28 days, from receipt of cancellable goods, to notify the seller if you wish to cancel your order or exchange an item. Please note: goods that are personalised, bespoke or made-to-order to your specific requirements, perishable products and personal items sold with a hygiene seal (cosmetics, underwear) in instances where the seal is broken are non-refundable, unless faulty. Read more about our returns policy.Should you choose to return or exchange your order you will need to deliver the item(s) to the UK, where this seller is based. Idyll Home's return policy Please see notonthehighstreet.com's returns policy.


text:
Browse our Spring 2017 eCatalog featuring 17 new yarns for spring ➤ Click to view.
westknits Windschief
Simple twisted stitches offer their chance to show off in this sleek hat and cowl combination. Instructions are provided for three different sizes, which ensure an appropriate and tailored fit. Both pieces have multiple options for wear by rotating the biased section around or by folding the brim and neck edge over for an asymmetrical look. Enjoy choosing yarn to accompany your cool weather garb this fall and winter season!
Size: Small [Medium, Large]
Measurements: 16 [18, 20]"/40.5 [45.5, 51]cm circumference. The hat can stretch 4"/10cm more to comfortably fit up to a size 20 [22, 24]"/51 [56, 61]cm head.
Yarn: Worsted weight
Shown in Malabrigo Worsted (100% Merino Wool, 100g/215yds) color Cognac
Alternate Yarns: Schaefer Yarn Company Miss Priss
Hat - 100 [120, 140] yds/91 [110, 128]m
Cowl - 120 [140, 160] yds/110 [128, 146]m
Needles: 1 set US 6/4mm and US 7/4.5mm DPNs
Notions: 3 stitch markers, tapestry needle, 1 split ring marker
Gauge: 20 sts and 30 rnds = 4"/10cm in stockinette stitch
Recommendations for You
Reviewed by 1 customer
Comments about Yarn: Worsted weight Windschief:
I made both the hat and the gaiter. It's really a gaiter, not a cowl. Just sayin'. The pattern was easy to follow and knit up. Pretty quick and clever. And it is super stretchy, which is great for the 24" heads that I have to fit :O)
- Was this a gift?:
- No


text:
Thank you to the Roseville Rockrollers Society for hosting our November
Quarterly Meeting.
The next quarterly Co-op meeting will be hosted by the
Sacramento Mineral Society in March 2017, at the Woman's
Thursday Club hall in Fair Oaks, CA.
Details to follow.
NOTE to Co-op Member Societies:
The field trip details that have been received to date are posted in the Members Area.
The documents are in pdf format and can be easily printed. However, the
members-only password needs to be entered to open each document . This is because files are
encrypted individually to protect personal information and trip details, which is Co-op's standard practice.
Co-op Webmaster
Co-op Webmaster


text:
packing supplies in Waynesboro, PA
A1 Green Castle Self Storage500 Buchanan Trl W, Greencastle, PA map
Jet TransitServing Fayetteville, PA
Jay's Transfer14415 Greencastle Pike, Hagerstown, MD map
Ship Grabber19918 Jefferson Blvd, Hagerstown, MD map
Penske Truck Rental500 Buchanan Trl W, Greencastle, PA map
Greencastle Bronze And Granite400 N Antrim Way, Greencastle, PA map
FedEx Ship Center1409 Oakmont Dr, Hagerstown, MD map
Visit FedEx Ship Center in Hagerstown, MD when you need packing supplies, boxes, FedEx Express and FedEx ... more
Budget Truck Rental1101 Jefferson Blvd, Hagerstown, MD map
Top Trending Articles
Decorate for the Holidays the Easy Way
Learn tips on holiday decorations, including how to cho... more
How to Help a New Mother Adjust to Her New Li...
Being a new mom is exhausting. Keep reading so you can ... more
Is There a Possible Link Between Breast Cance...
Cleaning supplies have in past been tentatively linked ... more
How to Safely Take Your Dog With You When You...
Camping with your dog can be fun, but you need to keep ... more
Going Meatless? Try These Great Mock-Meat Sub...
Are you looking to cut meat out of your diet, but still... more


text:
I am married now.... So excited.... Had a great wedding a couple bumps but not bad..... It rained so we have good luck. So but that's not new it rains on everything i plan... So glad it's over to much stressing about how things would go!
Want to leave a comment and join the discussion?
Already a member? Click here to log in
Check out some of the top posts today in Groups:


text:
API® Proper pH 8.2 Aquarium Water pH Conditioner
API Proper pH 8.2 helps you achieve and maintain a healthy pH level in your fresh- or saltwater aquarium, so your marine fish, African Cichlids and reefs can thrive. The fish-safe, phosphate-free formula helps reduce fish stress, which promotes successful breeding, appetite, healthy color and disease resistance.
Includes: 1 Bottle
Intended For: Aquariums
Material: Liquid
Size: 7 oz
For best results, use in conjunction with API African Cichlid Salt for African Cichlid aquariums or with marine salt for marine aquariums.
It is necessary to frequently test the pH level of your aquarium water, as well as the tap water being added to your aquarium; test the water chemistry either once a week or when fish behaviour is not normal.
Test your aquarium for ammonia before adjusting the pH level; if ammonia is present and the pH is increased, fish loss may occur.
When using Proper pH along with water clarifiers or in water with high GH levels, a temporary cloud may form; this cloud will not harm fish and will be quickly filtered out of the aquarium.
Now: $ 12.99 to $ 84.99
$ 14.99 to $ 25.99


text:
January 2015, TruckingInfo.com - Cover Story
By Deborah Lockridge
In what could be the worst driver shortage ever, the industry is currently short about 35,000 truck drivers, and we'll need nearly 240,000 additional drivers by 2020. Unfortunately, fleets are finding it difficult to reverse the trend. Part 1 in HDT's Driver Dilemma series on the driver shortage.
Tags: Hiring, Driver Pay
July 2014, TruckingInfo.com - Department
By Bob Rose, J.J. Keller & Associates
Few things will impact your overall recruiting, driver qualification, and safety results more than the quality of new drivers you bring into the organization.
Tags: drivers, Driver Training, J.J. Keller, Hiring
November 2012, TruckingInfo.com - Feature
By Steven Spencer, Contributor
These days, transportation companies are caught between the proverbial driver shortage and their CSA BASIC scores
Tags: drivers, compliance, Hiring
July 2008, TruckingInfo.com - Cover Story
The right driver screening can help find and keep the cream of the crop.
Tags: drivers, Recruiting, driver screening, Hiring
We offer e-newsletters that deliver targeted news and information for the entire fleet industry.
The expert, Scott Sutarik from Geotab, will answer your questions
The expert, Steve Carlson from Xantrex, will answer your questions
On the Spot: First Impressions of Volvo's SuperTruck
Ultimate Test Drive: New Cascadia Sleeper Lounge [Video]
Ultimate Test Drive: Freightliner's New Cascadia Pt. 2 [Video]
Ultimate Test Drive: Freightliner's New Cascadia Pt. 1 [Video]
Mud Flap Retention System Can be Installed by Hand
Kits Offer More Compatibility for VDO RoadLog ELD Users
Retract-A-Roll Pneumatic Roller Track System Improves Cargo Handling
Dashboard Mount Designed for ELDs, Smart Devices


text:
Is Aliw Broadcasting Corporation Main incorrect or missing key business information? Update your Hotfrog listing today.
Contact details
Are these details correct?
Hotfrog Philippines provides information regarding Aliw Broadcasting Corporation Main in Cebu City Cebu. Aliw Broadcasting Corporation Main is located at Osmena Boulevard, Cebu City Cebu 6000 and provides Entertainment services. Contact them on (032) 416 1067.
Is Aliw Broadcasting Corporation Main in Osmena Boulevard, Cebu City Cebu 6000 your business? Claim your listing and attract more leads by adding more content, photos and other business details.
We have more Entertainment services in Cebu City Cebu available on Hotfrog Philippines. You can update your search for Cebu City Entertainment by location, keyword or service options.
Small Business Hub
Sharing tips, ideas and advice to help grow your small business.
Create your free Hotfrog business profile
Follow Hotfrog on:
Share on:
Hotfrog Small Business Hub


text:
Shailene Diann Woodley is an American Actress born on November 15, 1991. She was born in California State in the locality in Simi Valley. Her father, Lonnie Woodley is a school principal and mother Lori is a middle school counselor. She was focused on her career and her first attempt was as the model at the age of four years. At her age of 15 years, she was diagnosed with the disorder name as scoliosis. She was give a chest-to-hips plastic brace . This was on her for two years in order to prevent her backbone from curving further. She was a very confident girl who has not lost hope while she was diagnosed with this serious disorder in her teenage years. Her family members also supported her at time of going through the treatment.
The rising of a new star from her early age and the will of succeeding in her life:
Back in the year 2002, Shailene Woodley has started her career in the television role with the serial named as Without a Trace as well as The District. Since she started her career as an actress, she has not looked back. Her career ladder started the leading actress journey for her. Since the start she has appeared in many series in small roles such The O.C., Felicity: An American Girl Adventure, Crossing Jordan, CSI: NY, My Name is Earl, Close to Home, Cold Case, etc. She has also appeared in the very educative series for teen girls that is The Secret Life of the American Teenager.
She then got the boost for big screen roles back in the year 2011. She made a debut with her first movie with co-stars George Clooney. For her first role, she also received a quote as "Ms. Woodley is the smartest, toughest, and most credible teenager presentation in the modern memory." She also received another quote as "She had shown the both depth and edge of the role demand." Shailene Woodley's first performance has nominated her for the Golden Globe Award as the best supporting actress. She was also recognized as one of the 55 faces of future Hollywood actresses.
Top 5 Movies List of Shailene Woodley
1. The Descendants: In this movie, she co-stars with George Clooney. She plays a role of Alex King, who is the daughter of George Clooney. The many leading actors as well as actress along with many iconic people praised her performance in this movie. She has made a perfect start for her movie career with this movie.
2. The Spectacular Now: In this movie, she plays the role of Aimee Finecky. This movie comes under the romantic comedy category. Her audition for this movie impressed the director with her love towards the novel on which this movie was based.
3. Divergent: This is a science fiction action movie starring Shailene Woodley and Neil Burger. In this movie, Shailene Woodley plays a role of Beatrice Tris Prior. This movie has changed the role of Shailene Woodley as one of the leading action actress. This movie proves that Shailene Woodley can play action roles easily.
4. While Bird in a Blizzard: This movie is a drama thriller starring Shailene Woodley, who plays a role of Katrina Connor. Shailene Woodley plays puts on a magnificent performance in this movie.
5. The Fault in Our Stars: This is a romantic comedy-drama movie starring with Shailene Woodley and Josh Boone. In this movie, Shailene Woodley plays role of Hazel Grace Lancaster.
List of top films of Shailene Woodley
1. The Descendants
2. The Spectacular Now
3. Divergent
4. White Bird in a Blizzard
5. The Fault in Our Stars
Upcoming movies of Shailene Woodley
Shailene Woodley is rising young star that is playing various roles based on the various moods. She can play the role of an action girl, an innocent girl and even the romantic parts with ease. She is one the young faces that need to be looked out for in the upcoming movies.
• The Divergent Series: Insurgent- 2015
So far there is news about one movie of this star . Expectation is there that in coming time she will sign more projects.


text:
Login or
Search / Ordering
XP Power announces two new families to their line-up of ultra-compact, metal-cased, 15 W DC-DC converters. Available in an industry-standard 24-pin DIP measuring just 31.75 x 20.32 x 10.16 mm (1.25 x 0.8 x 0.4 inches), the JCG15 and JTF15 series offer a power density of up to 37.5 W per cubic inch with an efficiency of up to 91%. Their compact size conserves board space, and the highly efficient design results in less wasted heat, assisting in the thermal management of the end system.
Providing the popular nominal inputs of 12, 24, or 48 VDC, the JCG15 series accommodates wide 2:1 input ranges of 9 VDC to 18 VDC, 18 VDC to 36 VDC and 36 VDC to 75 VDC, with the JTF15 accepting ultra wide 4:1 inputs of 9 VDC to 36 VDC and 18 VDC to 75 VDC. Both single- and dual-output models are available. Single-outputs are 3.3, 5.1, 12, or 15 and duals are ±5, ±12, or ±15 .
The converters have an input to output and input/output to case isolation of 1,600. A remote on/off signal control is standard across the range and can be used to control the output rails or to sequence start-up procedures. All units feature overvoltage and continuous short-circuit protection.
These highly efficient DC-DC converters operate from -40°C to 100°C for the JCG series and 105°C for the JTF series.
The JTF and JCG series suit a wide-variety of mobile, portable, and wireless applications.
Related Product Highlight
JCJ Series DC/DC Converters
XP Power's JCJ Series DC/DC converters offer 8-10 W of output power, a 2:1 input voltage range, and operate over a wide temperature range.
JTH Series DC-DC Converters
XP Power's JTH Series DC-DC Converters best suit environments without the need for additional heat sinking or airflow.
JTE Series DC-DC Converters
XP Power's JTE series of low-cost compact 6 W DC-DC converters are aimed at a broad range of mobile communications, industrial and transportation applications.
JTF Series DC-DC Converters
XP Power's JTF series offer efficiency of up to 91% and are suitable for a large variety of applications and products.
JCH Series DC-DC Converters
XP Power's JCH Series of DC-DC Converters are aimed for a broad range of telecom, networking, and industrial applications.
Terms & Conditions
About Digi-Key
Contact Us
Site Map
Supported Browsers
Privacy Statement
United States
Toll Free: 1-800-344-4539Phone: 218-681-6674Fax: 218-681-3380
Middle East
North America
South America
Copyright © 1995-2017, Digi-Key Electronics.All Rights Reserved.701 Brooks Avenue South,Thief River Falls, MN 56701 USA


text:
Articles tagged 33 variations
20 Jan 2011 // 9:00 PM
Golden Age Hollywood scion, feminist activist, and general all-around bad-ass Jane Fonda is back, and this time out, she is hitting the campaign trail on behalf of the health of boomers and senior citizens. Fonda keeps Mazur on task and on his toes during this exclusive interview, preferring to focus on fitness rather than feminism or cinema.READ more
17 Apr 2009 // 4:59 AM
Jane Fonda walks into a 55th Street tea house carrying Tulea, her small, white canine companion. Where Fonda goes, Tulea follows. The bichon-like dog (officiallyREAD more
//Mixed media
Depeche Mode "Where's the Revolution" (Singles Going Steady) // Music
Beth Bombara "Sweet Time" (audio) (premiere) // Music
Oceans Are Zeroes "Inside" (audio) (premiere) // Music
//Pm Picks
'Fire Emblem Heroes' Is a Bad Crossover
// Moving Pixels
"Fire Emblem Heroes desperately and shamelessly wants to monetize our love for these characters, yet it has no idea why we came to love them in the first place.READ the article


text:
5800 West Industrial Drive, Monee, IL 60449Request info Add to list
To view building contacts please sign in with your Pro account or create a pro account.
Jason D.
Company: requires Pro account
Email: requires Pro account
Phone: requires Pro account
- Available Spaces
|Space Type
|Industrial Space
|For lease: Negotiable
|701,228 sqft
701,228 SF (expandable) cross dock facility for lease Built in 2000 32Ő8Ó clear 108 dock doors with concrete aprons (expandable) 4 drive-in doors... show more »
Building Details:
5800 West Industrial Drive is an industrial property for lease in Monee, IL. The property currently has 1 industrial space for lease and is marketed by Exeter Property Group.
Create a Property List
Please describe your commercial real estate requirements. We'll create a list of matching properties that meet your criteria.
- Ted Lyon, agent and Rofo Pro


text:
Honeymoon's already over. Guess people have started to realise their mistake now.
Honeymoon's already over. Guess people have started to realise their mistake now.
beebs (01-12-2013),Busy-Bee (26-11-2013),delirium (26-11-2013),PurpleButterfly4 (16-02-2014),snowqu33n (26-11-2013),Sunshinebell (28-11-2013),White Mage (20-02-2014),WiseOldOwl (26-11-2013)
Never thought I'd be cheering for Barry O'Farrell...
I'm really concerned what is going to happen to the funding promised to rural and low socio economic status schools. No doubt this 'reallocation' will involve a lot less money.
Investment in education is a wise decision, both financially and socially. But I guess many lib voters send their kids to private schools so who cares right?
beebs (01-12-2013)
I think the LNP's 'change of mind' on Gonski is particularly indicative of the sh1te gov't that we currently have in power.
Let's refresh...
And now...
Just two days ago, the Federal Minister for Education, Christopher Pyne, performed a brazen policy back-flip on school funding, saying he would no longer accept Labor's funding and overall model despite Tony Abbott making this pre-election promise: "We will honour the agreements that Labor has entered into. We will match the offers that Labor has made. We will make sure that no school is worse off."
The thing is, Pyne says that the policy is a shambles. Shouldn't he have read it before adopting it as policy before the election?
and if it's such a shambles why did all the states sign up?
Subbing to read later
Pregnant for the first-time?
Not sure where to start? We can help!
Our Insider Programs for pregnancy first-timers will lead you step-by-step through the 14 Pregnancy Must Dos!


text:
Some of Scotland's most successful artists will feature on a unique "Best of" album released to coincide with the independence referendum.
Made in Scotland features 59 tracks from artists ranging from Calvin Harris, Emeli Sandé and Paulo Nutini to Sixties' folk star Donovan and cult bands including The Cocteau Twins and The Jesus & Mary Chain.
Compiled by Sony Music and released next Monday, MiS has been put together to mark "a year that Scotland has dominated the news and wowed the world with the Commonwealth Games".
However, the three-disc album, described as a "celebration of some of the best contemporary and heritage Scottish artists across all genres", is likely to boost the Yes campaign ahead of the national independence vote.
Songs that could be adapted as Yes victory anthems include Fairground Attraction's "Perfect", "Feels Like Heaven" by Fiction Factory and "I Could Be Happy" by Altered Images.Reuse content


text:
Domino's Pizza (DPZ) reported 3rd Quarter September 2016 earnings of $0.96 per share on revenue of $566.7 million. The consensus earnings estimate was $0.90 per share on revenue of $543.0 million. The Earnings Whisper number was $0.91 per share. Revenue grew 16.9% on a year-over-year basis.

Domino' Pizza Inc is a chain of pizza restaurant. The Company is engaged in retail sales of food, sales of food, equipment & supplies to Company-owned & franchised Domino's Pizza stores, & receipt of royalties & fees from Domino's Pizza franchisees.


text:
Hyundai Accent QuestionsRefine by vehicle
2008 Hyundai Accent 9,230 miles, Question: At stop with clutch held in first gear will start to move slowly, can not get out of fist unless turn engine off
I have replaced resistor, thermostat, control panel and even when my heater is off, it blows very hot at the vents and the dash feels hot and it smells like something may be burning. What could this be.
It will go ok for a few days when I get carborator jets blown I've had fuel filter replaced,spark plugs,spark plug leads,distributor cap .theres no oil leaking no water where oil goes .this has been happening for 2 months on and off the longest it was going ok was week and half.Dont want to take repair shop if it's not repairable or if going to cost more to fix than its worth. Please advise very much appreciated.
I remove the fuel pump module and took to parts store. The manager hooked up test gauge which shows anometer putting out more micro amps when empty compared to full. He said fuel pump module working correctly. May be electric short in system. What do you think? Ever run into this problem before?
The gas gauge will not go below showing 1/2 full even when the tanks empty. I pulled the gas pump module out and manually moved the float up and down. No change. The parts store owner hooked up an meter to the anometer the float activates. The gauge showed more amps at empty that full. The parts store owner said the Hyundai fuel pump module is good. Must be short somewhere? What do you think.
HYNDAI 2006 aCCENT
Wear on inside rear tires. Took to dealership and they said the rear axle is bent. What is the cost of repair? Is repair a good idea or will I continue to have issues? It also burns oil. I have to replace all the oil every 2000 miles.
spark[plugs have new battery. don't know where to find alternator. would like to see and find placement of sparkplugs/alternator/and anything else that would effect starting the car. windshield wiper wouldn't work during the storm and had ti push manually. apparently the mechanism needed adjustedment. Car has not turned over since last night and it is 1:00p.m. When the car is jumped it does not mean the car will restart.
They have change the tranny fluid 2 times. They said drive it 500 km and if still noisy bring back again. This will be my 4th visit. Won't tell me what they suspect. Just keep saying they are following Hyundai protocol. The latest this week is the car made a huge noise from under the hood,then the car pulled back, did it again 5 sec later, then the traction light came on around every corner for about 30 minutes, road were dry and clear. I was driving in 6th gear. After it did it 2 times. I put the car in neutral and coasted. Traction usually makes a huge noise didn't this time.
Driving down the road, car stalls out at 40mph. I coast it off the side of the road. Car will not start, all lights are working and its cranking, but it will not start. 20 minutes later car finally starts, try to keep it going putters and stalls out. Another 5 minutes of trying and the car finally starts again. Now I'm able to drive it, but my tachometer is completely out. It makes the 15-20 minute drive home, it did seem like it was trying to stall out at one of the red lights - but I threw it into neutral and kept the engine revved. I pull into the driveway and let it sit for about 5 minutes at home, it's fine, idling at about 750 as it normally would. Turn the car off and back on, starts right up - Now my tachometer is working! Drive it around the block, everything works fine. Pull into the driveway let it sit - fine. Turn it off, turns back on fine. Next day turns on fine, makes the 45 min highway commute to work, fine. Driving it home, halfway back the RPMs start dropping, keeps running low RPMs and it's idling around 500 when stopped. Have it at the mechanic now, but he can't duplicate the problem, saying the car is working perfectly now, he doesn't see the issue.... Help please!!
I was pulling into a parking lot and it died on me. I can't get it to start. It will crank like it wants to start but won't. Any suggestions?
It is giving a white smoke nothing is leaking
was told it had a short is there a common area where these cars are known to short
I have changed the plugs, pvc, air filter, put in injector cleaner, and a new fuel cap. I have orderd a tsp sensor. will this take care of the problem?
It can take up to five minutes turning the switch on and off to get them off. I don't have an alarm so they can't be timing out. Sometimes they will turn off after only a few seconds of playing with the switch. Is there a relay that might be going bad. Hyundai wants $120 an hour just to poke around and look.
I have a 2006 Hyundai Accent. Went to take in for 60,000 mile scheduled maintenance. Was told that they couldn't get the hood open and that it could possibly cost an additional $200 or more depending on what is broken. Already going to be paying $675 for the service. I would like to know if that sounds reasonable and what else I could do. Tried to pop the hood myself with the lever and would not open.
This is my first oil change since I pur the vehicle
Follows pavement with rougher pavement , noise becomes worse and
increases with speeds above 50 mph to unusually high levels.
Can a piece of insulation be missing from underneath OR a bad wheel bearing adding to problem.
Tires are Cooper GL which came with car.
How to reduce/eliminate the noise ?
Key won't turn ignition. It acts like its frozen
The car was in a rollover, but the headlights seemed OK afterward. The low beams don't point toward the road properly. I don't want to have to purchase a whole new headlight assembly. Hoping these were adjustable and that my trip to the shop will be inexpensive?? Please help and this is a nice web site!


text:
Watch Prom Night Movie Online
Published 11 22, 2014
Year : 2008
Release date : 12 June 2008
Country: USA,Canada
Genres: Horror, Mystery,
Director : Nelson McCormick,
Writers: J.S. Cardone,
Stars: Brittany Snow, Scott Porter, Jessica Stroup, Dana Davis, Collins Pennie,
Time: 88 min.
Quality: DVDRip/BDRip
Keywords: Watch Prom Night Movie Online
Prom Night is a 2008 American slasher film from Screen Gems directed by Nelson McCormick. The film is primarily a remake of the 1980 Canadian slasher film of the same name which starred scream queen Jamie Lee Curtis. The film stars an ensemble cast including Brittany Snow, Scott Porter, Jessica Stroup, Dana Davis, Collins Pennie, Kelly Blatz, James Ransone, Brianne Davis, Kellan Lutz, Mary Mara, Ming-Na Wen, Johnathon Schaech, and Idris Elba with supporting roles done by Jessalyn Gilsig, Linden Ashby, Jana Kramer, and Rachel Specter.
The film's plot concerns a high school girl named Donna Keppel (Brittany Snow) who was traumatized after witnessing her former teacher Richard Fenton (Johnathon Schaech) brutally murder her entire family after he had become dangerously obsessed with her. 3 years later as Donna is getting ready for her senior prom, Richard Fenton escapes custody from the authorities and follows her to the hotel hosting the prom and kills anybody who gets in his way of reuniting with Donna.Donna's senior prom is supposed to be the best night of her life, though a sadistic killer from her past has different plans for her and her friends.


text:
Top Definition
While voyeuristically checking photo albums on Facebook, you spot a friend's boyfriend and immediately recognize him as a one-night-stand from your past.
Beth was looking at the Facebook photo album from Linda's trip to Cancun with her new boyfriend Josh. "OMG I made out with that guy at a Fest one night when I had too much Goldschlager. It's a total ResurFacebook!" exclaimed Beth.
by Sheenan October 01, 2009
The Urban Dictionary Mug
One side has the word, one side has the definition. Microwave and dishwasher safe. Lotsa space for your liquids.Buy the mug
The Urban Dictionary T-Shirt
Smooth, soft, slim fit American Apparel shirt. Custom printed. 100% fine jersey cotton, except for heather grey (90% cotton).Buy the t-shirt


text: We go here on a regular basis for sushi and have never been let down. Fresh is the key here, the sushi chefs do a phenomenal job with preparation and the flavor is phenomenal. The sushi specials before 7 PM make it totally worth the while to have sushi here.