text:
Ian Cosley Photographer
Sienna KellyModel Female Huntington Beach, California, US
My MM URL: http://www.modelmayhem.com/siennakelly
Mayhem # 2366095
About MeI am a 20 year old female who lives in mission viejo, california. I love modeling and love working with photographers who love it just as much as I do. I am hoping to get my foot in the door in the world of modeling and take each opportunity I can get and work my hardest at it. If you need to contact me just send me a message!
Have you worked with Sienna Kelly? Add Credits for Sienna Kelly! >>
Credit NotesPhotos taken by Nico Marino
Ian Cosley Photographer
M Jay Reyes Photography Photographer
Aldous Photography Photographer
Charles Davis Jr Photographer
JUSTIN DOUG Photographer
izwan Photographer
Loading Content


text:
Spring preview: Rotation key for Blue Jays
DUNEDIN, Fla. – The Toronto Blue Jays expect to generate a productive offense in 2012. The bullpen is revamped and the top two starters figure to be solid. So improving the middle-to-back end of the starting rotation is nowhere near the middle-to-back end of the team's priorities.
If the starters behind ace Ricky Romero and Brandon Morrow deliver, the Blue Jays could become the new Tampa Bay in the American League East, crashing the Boston-New York party.
"We have an opportunity to make up ground in our division and what enables us to do that most readily is (more) quality innings pitched by those guys in (the back of) the rotation," manager John Farrell said.
PHOTOS: Spring Training gallery
Last year, Farrell used 12 starters, the rotation finished 11th in the AL with a 4.55 earned run average and the bullpen threw the fourth highest number of innings.
"We've got to reverse that," Farrell said. "We feel we have the guys in our camp that are capable of doing that."
General Manager Alex Anthopoulos made a bid for the rights to Japanese starter Yu Darvish, but lost out to Texas, so, barring a spring trade, the rotation probably will be filled from within.
Leading candidates Brett Cecil, Henderson Alvarez and Dustin McGowan combined to go 5-16 for the Blue Jays, but there's reason to believe all can improve significantly.
Blue Jays at a glance
Last season: 81-81, fourth in American League East
Manager: John Farrell, second season
General manager: Alex Anthopoulos, third season
Projected lineup: C J.P. Arencibia, 1B Adam Lind, 2B Kelly Johnson, SS Yunel Escobar, 3B Brett Lawrie, LF Eric Thames, CF Colby Rasmus, RF Jose Bautista, DH Edwin Encarnacion.
Projected rotation: LHP Ricky Romero, RHP Brandon Morrow, LHP Brett Cecil, RHP Henderson Alvarez, RHP Dustin McGowan.
Closer: Sergio Santos
Roster question: Whos the starting left fielder? Thames, 25, finished 2011 as the regular and is challenged by Travis Snider, 24. Both are left-handed hitters, both hit over .325 in half a season in Class AAA Las Vegas and both are young enough that the odd man out may be sent back to the minors rather than lose regular at-bats. Snider hit his third home run of the spring Saturday.
Cecil, 4-11 after winning 15 games in 2010, has lost nearly 40 pounds. Alvarez recorded six quality starts in 10 outings after his recall from Class AA New Hampshire and McGowan appears healthy after missing most of the last three years with shoulder injuries. Prospect Kyle Drabek and non-roster invitee Aaron Laffey are also options.
Pitching coach Bruce Walton said Cecil is stronger this year and is showing more consistency as he readies for a bounce-back season.
Alvarez "has the ability to put the ball on the ground," Walton said. "A lot of home runs are hit (at Rogers Centre), so when we find a guy that can put the ball on the ground, we get excited,"
McGowan pitched in five games last September, his first appearances since 2008. His rustiness showed with a 6.43 ERA, but Walton said "the stuff was back." The right-hander has looked healthy this spring, hitting 94 mph on the radar gun in Saturday's two-inning start. Catcher J.P. Arencibia says he has "arguably No. 1 stuff."
The overtaxed bullpen blew 25 saves. Farrell notes the club had to carry 13 pitchers for more than two months, limiting their ability to give position players a day off.
So Anthopoulos rebuilt the bullpen in the offseason. He gave up starting pitching prospect Nestor Molina to the Chicago White Sox for Sergio Santos, a converted infielder who won the closer's job in late April and recorded 30 saves. Former Reds closer Francisco Cordero and veteran Texas set-up man Darren Oliver were also acquired for the seventh and eighth.
"They're coming from roles where they've had very recent success and fit the needs that we had," Farrell said.
Anthopoulos has turned over much of the roster in his two-plus years on the job — trading his Opening Day pitcher for prospects two consecutive years. Drabek, third baseman Brett Lawrie and catching prospect Travis d'Arnaud came in the trades of Roy Halladay and Shaun Marcum.
The starting pitching depth in the minors is stocked well enough that the GM traded Molina for Santos. That's a sign the Jays feel they're close, but Anthopoulos says Santos' six-year deal with the White Sox (three years plus three option years) was critical.
The Jays are confident a full season with mid-2011 call-ups/acquisitions Lawrie, Colby Rasmus and Kelly Johnson will bolster an offense that finished fifth in the AL in runs. Arencibia, who hit 23 homers as a rookie, cites the bottom third of the projected line-up with himself, Lawrie and left fielders Eric Thames or Travis Snider.
"Those are three guys that can hit over 20 home runs in the bottom three," he said. "And everyone knows what we have in the top of the lineup."
The extra wild-card could give a playoff opening to another team in what is arguably baseball's toughest division. But don't suggest to the confident Blue Jays that's their lifeline.
"I don't play just to sneak in," Arencibia said. "We have the mindset we want to win the AL East."
(Preview as of March 12)
Posted | Updated
Most Popular
- Ed Baig reviews Kindle Paperwhite
- 'Pregnant man' struggles through nasty divorce
- Tennis Channel Court Report 9-30-2012
Most Popular E-mail Newsletter
Sign up to get:
Top viewed stories, photo galleries and community posts of the day
- Most popular right now:
The latest news and more on Twitter
Get the latest breaking news, USA TODAY features and blog items when you follow USA TODAY Sports on Twitter!Sports: Follow USA TODAY on Twitter

subset: commoncrawl


text:
Continental Zucchini RecipeRead Reviews Be the first to add a review
5 1 1
- 1 tablespoon canola oil
- 1 pound zucchini (about 3 small), cubed
- 1 to 2 garlic cloves, minced
- 1 jar (2 ounces) diced pimientos, drained
- 1 can (15-1/4 ounces) whole kernel corn, drained
- 1 teaspoon salt, optional
- 1/4 teaspoon lemon-pepper seasoning
- 1/2 cup shredded part-skim mozzarella cheese
- Heat oil in a large skillet. Saute zucchini and garlic for 3 to 4 minutes. Add the pimientos, corn, salt if desired and lemon-pepper; cook and stir for 2-3 minutes or until zucchini is tender. Sprinkle with cheese and heat until cheese is melted. Yield: 6 servings.
Originally published as Continental Zucchini in Taste of Home June/July 1993, p36
Reviews for Continental Zucchini
Please Log In or Join to add a rating and review.
Click stars to rate
Any changes to your rating or review will appear where you originally posted your review
Reviewed Dec. 28, 2015
"Great recipe for the summer garden bounty"


text:
|Thread Tools
I want to start cooking simple & natural recipes. The only problem is that a lot of the recipes I find online are too "fancy" and call for ingredientes that are hard to find and out of my budget. Does anyone know where I can find recipes that just use regular ingredientes (fresh fruit and vegetables, meat, eggs, flour, salt & pepper, rice, etc.) I am hoping to learn how to cook in a way that could be sustainable without a grocery store!
Oh and ALSO the moosewood collective cookbooks - enchanted broccoli forest etc, are all really good.
I looked up the la leche league cook book (the whole foods one) and it looks really awesome. Seems to be a whole manual on cooking natural and making stuff from scratch. I will definitely be trying to find this one. Thanks!
My favorite cookbooks are, I kid you not, weight watchers cookbooks. They're whole foods and intended to be yummy. If you find they're too low cal/fat for you, you could adjust them.
I like this one for quick foods:
Weight Watchers Make It in Minutes: Easy Recipes in 15, 20, and 30 Minutes
Created an instant family (7/89 and 5/91) in 1997. Made a baby boy 12/05 adopted a baby girl 8/08. Ask me about tandem adoptive nursing and living as gluten, dairy, and cane sugar free vegetarians. Homeschooling and loving it.
"The Art of Simple Food' by Alice Waters
I own only one cookbook, and that is it. I guess I own Nourishing Traditions too, but i never used the recipes, and it's been on loan for about 2 years now.....
I was running a retreat kitchen for a month and needed a simple, whole foods based approach to recipes that volunteers with minimal experience could use for ANY food item. And 'The Art of Simple Food' covered everything I needed, and a few things i would never make.
|Traditional Foods
|Thread Tools
Show Printable Version Show Printable Version
Email this Page Email this Page
|Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts
BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are Off
Online Users: 18,932
|40 members and 18,892 guests
|Aimee Duran , atlasmission , bananabee , BirthFree , blessedwithboys , debigebi , Deborah , Dovenoir , emmy526 , girlspn , hillymum , JaneD! , judybean , kathymuggle , kittyhersh , LiLStar , Lucee , Lydia08 , mama24-7 , Michele123 , Mirzam , moominmamma , mumto1 , NaturallyKait , NiteNicole , philomom , rightkindofme , RollerCoasterMama , Shmootzi , Skippy918 , SophieXxXx , Springshowers , sren , Thái Edubabies , Turquesa
|Most users ever online was 449,755, 06-25-2014 at 12:21 PM.


text:
In Stock
Sold Out
We're sorry. This item is not available at this time.
Pre Order Possible .
Low Stock
Plastic Protective Coating
A clear protective coating has been applied to the outside of your new luggage. This easy-to-remove thin wrap of plastic is applied at the factory to protect the high-gloss finish on your new luggage. To remove, start at the upper-right corner on the front of your bag. Lift an edge of the plastic wrap and peel it away. Repeat until all the plastic is removed.


text:
PM sent
With the amount of people here I figure the "Search Powers" are so much greater. I am looking for a AR70 and a PE57 FCG. I need one but it would be great if there was a source for more than one. (Im keeping in mind that I can get a complete gun for $400 / 600)
Thanks Tony
Pryotex is TEC Tactical, A Licensed 07/SOT
PM sent
Sprat and sprat1 are one and the same.


text:
Committee Meetings
Do you have an idea of something you
would like the scouts to do?
Is there a place you would like to go?
Something you would like to do different for next year?
We are always looking for members with new ideas.
Come for one meeting or join our committee and help
run Pack 81.
We can only help the scouts if we have help from the
parents. We need all parents to help out in someway.
Come to our committee meeting and voice your thoughts.
Join us at our Committee Meetings on the first Tuesday
of the month. Meetings start at 7:00 and are held at
Meadowbrook in room 130.
Times and dates do vary so check our calendar or
e-mail email@example.com to confirm time and location .


text: Well I am a delivery guy for papa johns and my job revolves around my car (1999 STS). Today while doing a run I had to pull over because the temp gauge said it was overheating. So I stopped for about 2 minutes until I decided to limp to a gas station, by the time I got off the freeway though it said it was fine. So I continued my runs and depending on how fast I was going the temp would rise and fall. Me and my dad looked at it and we checked the coolant liquid and it was full, Does anyone know what could be causing this problem and what can be done to fix it?


text:
Gathering together as they enter the final stretch of promotional obligations, the stars of "On The Road" held a ritzy premiere for their film in New York City on Thursday night (December 13).
Though she'll likely raise a few eyebrows for baring her breasts in her new film, "On the Road," Kristen Stewart is shrugging off the buzz.
The 22-year-old actress tells the Huffington Post, "I do hate also when people go, 'Oh, wow, great performance. So brave.' Oh, because I'm naked? That's very annoying. But at the same time, if that's what they're focusing on, then 'On the Road' probably isn't for them anyway."
Continuing to show off her latest work, Kristen Stewart attended the "On the Road" Vanity Fair screening presented by Hugo Boss in San Francisco, CA on Friday (December 7).
The 22-year-old actress looked effortlessly chic in leather leggings, a grey-and-black blazer, and red heels as she worked the Skywalker Ranch red carpet before heading inside.
Giving some lucky folks an early viewing, "On The Road" took over the spotlight at the Landmark Theater in Los Angeles on Thursday night (December 6).
Jumping into her post-"Twilight Saga" career, the film's leading lady Kristen Stewart joined her handsome "Country Strong" co-star Garrett Hedlund and director Walter Salles in working the arrivals carpet prior to the upscale west coast screening.
Continuing forth with her hectic east coast schedule, Kristen Stewart was spotted departing her New York City hotel on Thursday evening (November 8).
The "Twilight" actress was all prettied up as she strutted out of her hotel in a gam-baring black frock and strappy heels before joining up with Garrett Hedlund to attend an 'On The Road' New York Screening.
Taking a break from her "Breaking Dawn - Part 2" press efforts, Kristen Stewart stepped out for the official gala screening of her other new movie "On the Road" in Hollywood on Saturday night (November 3).
After a star-studded world premiere in Canada, Kristen Stewart was on hand for the "On the Road" screening at Disney Park Avenue in New York City on Monday (September 10).
Joined by her handsome co-star Garrett Hedlund, the "Twilight" actress rocked black ALC pants, sexy Jimmy Choo heels with a white Balenciaga button up.
During her Toronto International Film Festival appearance on Thursday (September 6), Kristen Stewart talked about her upcoming films in the first interview since her cheating scandal.
The "Twilight" actress also made her first public appearance since coming forward about her affair with "Snow White and the Huntsman" director Rupert Sanders. She was in good spirits and was putting the past behind her.


text:
Time to talk shop.
Last August, my literary agent and I pitched a book proposal around and, though we got some interest and even a couple offers, we felt that the time wasn't right. We pulled the proposal and I set about to write the book in full. I also set about to get my traffic up over 100K pageviews per month. I succeeded at the latter, but not the former. The book didn't get done, and we're currently shopping a new — but related — proposal around.
But the blog grew, and it continues to grow. Even lacking a breakaway post, Theoblogy is up every month over the previous month. And, even more gratifyingly, the commentary is voluminous, robust, and respectful.
Blogging is a grind. There's no two ways about it. With the goal of posting 11 times per week, it never stops. It's disputed about who first said it, but someone famous once said that the study of history is just "one damned thing after another." Blogging can feel like that at times. That's what it's felt like this weekend, facing another new week with few new ideas.


text:
The support rate for of Prime Minister Shinzo Abe's Cabinet stood at 61.4 percent in March, unchanged from the previous month and continuing its high levels 2½ months after its launch, an opinion poll showed Friday.
The disapproval rating fell 0.8 percentage point to 16.7 percent, according to the poll, which was conducted for four days from March 8. Meanwhile, support for Abe's Liberal Democratic Party rose 1.7 points to 28.2 percent, up for the third consecutive month.
The high support level apparently reflects the public's positive assessments of the yen's depreciation and soaring stock prices on the back of expectations for Abe's deflation-combating economic policies, as well as the government's firm stance against North Korea's nuclear test in February.
The LDP's junior ally in the ruling coalition, New Komeito, saw its support rise 1.0 point to 4.3 percent.
In the opposition camp, backing for the Democratic Party of Japan sagged 1.3 points to 4.2 percent, the lowest level since it lost power in December's general election. Meanwhile, Nippon Ishin No Kai (Japan Restoration Party) garnered 2.0 percent support, followed by Your Party at 1.4 percent and the Japanese Communist Party at 1.3 percent.


text:
Welcome to ABC Radio National. Skip to:
RN Navigation
RN Search
RN Content
Search RN
View by
The Council of Australian Government, or COAG, meetings happen twice a year with seemingly mixed results. One of the biggest problems to solve is health and whose responsibility it is to fix it.
There's a new book in the making about people working in the outer regions of rural Australia but it hasn't been written yet.
Presented by Cameron Wilson
Find out more
ABC Rural online is a digital space to tap the national debate about food, fibre and minerals production.
Find out more
A problematic past. A complex but potentially rich future. Over 1000kms, Bush Telegraph ventures into the heart of the Kimberley.
Bush Telegraph takes an in-depth look at the state of national parks in 2014.


text:
Hoover ®
Click here to shop our Special Offers | Free Standard Shipping with the purchase of any Hoover®
View More Images
64oz. Expert Clean Carpet Washer Detergent
Model # AH15071
Price: $21.99
Add to Cart
16oz. Expert Clean Spot Gel
Model # AH15077
Price: $9.99
32oz. Expert Pet Spot Treatment
Model # AH15078
Power Path Deluxe Carpet Cleaner
Model # FH50951
Price: $139.99
You currently don't have any recently viewed items.
Zip Code
Cleans carpet and upholstery
Powerful deep cleaning
Add to Cart
Shipping & Policies
The Hoover® Power Path® Deluxe Carpet Washer covers tough carpet cleaning with DualSpin® PowerBrushes. The power of two brushes lift tough, deep down dirt up and out while its 11 3/4 in. wide path nozzle reaches to clean where life happens most. Get to upholstery, stairs and anywhere in between with the Accessory Tool Pack. Then easily clean and carry with a lightweight design and easy to empty Dual Tank Technology.
Please call customer service at (800) 944-9200 Monday - Friday 8:00 a.m. to 6:00 p.m. EST for availability.
Out of Stock


text:
Category: Chinese baby names
By Li Xueqing, China Daily
Mosquito, Circle, Tomato – Chinese people come up with strange English names at times, names that can baffle foreign employers and even cost them their chance of scoring a high-profile job.
An American expatriate in Shanghai saw an opportunity here and decided to launch a consulting business on the best choice of English names.
Lindsay Jernigan from Memphis, Tennessee, asks her clients to answer 10 questions on her website (BestEnglishName.com) to help them nail down a suitable name with minimum fuss.
Elisabeth Wilborn, creator of one of our absolute favorite blogs, You Can't Call It "It," imparts ideas on how to tie your child's name to the Chinese Year of the Rabbit. You can also find Elisabeth at The Itsy Factor, or at home with her family in Brooklyn.
How happy I am to usher in the Chinese Year of the Rabbit. It's not a rat, a tiger, a snake or something equally frightful sounding. It's not a pragmatic pig nor an ox, as my own children claim, but a lovable cute bunny rabbit (we like to refer to the pig year as "the year of the golden boar" by the way– so much nicer).
Even if you're not Chinese, don't you suspect that after thousands of years maybe they're onto something? Not only does the rabbit sound sweet and cuddly, but it also happens to have some of the most pleasant characteristics associated with it. Considered a most auspicious sign, your 2011 bon vivant will have good taste, good fortune, and live forever. Or something like that. Those born in a rabbit year have an appreciation of beauty and make great artists and curators, favor peace over conflict, are demure, well-liked, and well-mannered. A downfall may be that their taste for luxury borders on over indulgence, but being lucky with money, this likely won't result in dire straits. Above all, they have a tendency to be happy.
When the Chinese look at the moon, they see the hare standing underneath the cassia tree, grasping the elixir of immortality. During the autumn harvest festival, Chinese children carry paper lanterns shaped like rabbits and climb up the hills to observe the lovely moon hare, which symbolizes the start of day and the yin of heaven.
The nameberry contributor known to us as "Auburn" ruminates here on that most powerful and mysterious initial: X.
We all know this naming business is tricky, especially if your aim is to find unusual monikers which still have history — and if you're browsing Nameberry then it probably is. You think you've found one, you get excited … and then you meet five Violets in a day and realize that perhaps #141 is too popular for you after all.
The letter Y has lost some of its magic after various incriminations recently, involving either the addition of Y's to perfectly Y-free names (looking at you, Addysyn), or the apparent abhorrence of Y's by others (Ashleigh). What about its generally ignored neighbor, though? Every time I see an X name it catches my eye. I think "Wow, X? Crazy!" X is daring and attention-grabbing; it's a shortcut to awesome in the baby naming world.
The Jolie-Pitts clearly realized the power of this not-so-humble letter when they used it to round off their three sons' names: Maddox, Pax and Knox. In the same vein, Max is hot at the moment, but it is X in front that is still that Holy Grail of naming: rare.
According to the site http://yournotme.com, which searches the records to find people in Britain aged over 18 with a certain name, the top 10 X names include 7 Chinese names (Xiao, Xin, Xuan, Xiu, Xue, Xiang and Xing, for the record). The others are Xavier (795 of them), Xenia (330), and Xanthe (309). In contrast, the top A name, Andrew, can boast 508,320 bearers across the British Isles.
X names are few and far between in the popularity rankings as well, with just two charting in both the US and the UK top 1000s :
Xavier – #68 in the US, #234 in the UK
Xander – #244, #354.
Due to the large Hispanic population of North America, Ximena and Xiomara also chart at #311 and #909 respectively. Ximena is the feminine version of Ximeno, a Spanish name alternatively claimed to be a version of Simon or from the Basque for son, seme . Xiomara is the Spanish version of Guiomar, a name for either gender that belonged to a male character of Arthurian legend who was banished for his affair with Morgan le Fey.
The UK has its own pretty, feminine X name, Xanthe, which currently stands at #778. It should be noted that that means it was only given to 44 babies, though, due to the relatively small size of Britain. Xanthe is a lovely Greek choice meaning 'fair hair' and can also appear in the variation Xanthia.
Strangely enough, the US can also claim many a little Xzaviers, which comes in at #586. In my opinion it's preferable to use unusual letters in moderation, readers. Just one in a sea of A's, E's, and R's looks so much more striking than Xyzvyq, which gives the impression you were leaning on the keyboard.
Let's say you like the basic concept of a place name, but you're not so thrilled when it's tied to the image of a specific locale. If, for example, you're thinking Tulsa sounds like a nice, friendly, easygoing, Western name– but then suddenly the image of Oklahoma oil fields spring to mind, or say you think Trenton might be the perfect boy's name—if it weren't for the New Jersey connection.
There is one way around this. You could consider place names that are no longer on the map, either because of a name change, possibly for political reasons, or because the place itself disappeared—or may have never even existed at all.
Here, some romantic, faraway examples, mostly with non-specific images:
ALBION—old poetic name for England
ANGLIA—Latin name of England
ANNAM—historic name for part of Vietnam
ARABY—old poetic name for Arabia
ATRIA –ancient city in central Italy
ATLANTIS—legendary island supposed to have sunk into the Atlantic
AVALON-another legendary island, this one featured in the Arthurian tales (though one still exists in California)
BRIXIA—the ancient Latin name of the modern Northern Italian city of Brescia
CANTON—Chinese city now called Guangzhou
CARAL –a Peruvian settlement considered the most ancient city of the Americas
CEYLON—old name of Sri Lanka
To commemorate the Chinese New Year, today's guest blogger Michael, aka Mai-kuh, a keen first-hand observer of Chinese culture, reflects on some of the idiosyncracies of international name exchange.
Several years ago, I visited a Chinese friend, Wu, who was completing a business degree in Virginia. We had originally met almost ten years prior in China, when we studied together during my college semester abroad in a city near Shanghai. Even as a college student in China, Wu had been something of an addict when it came to American popular culture, casually sprinkling his English conversation with slang expressions picked up from counterfeit DVDs of Friends. But I was still shocked when, visiting Wu in his Virginia dorm room, he proudly showed me a picture of his newborn son back in Shanghai.
"He's so cute!", I gushed. "What's his name?"
"No, just Larry. Well, he has a Chinese name of course," Wu quickly explained, "but I decided to make Larry his English name. It's handsome, don't you think?"
Whatever your particular feelings about the merits of the name Larry for a Chinese infant, Wu's story captures something of the capricious way that people in mainland China often choose their English names, should they decide they need one. And these days, many Chinese in large cities — even if they don't ever plan to leave China — decide to pick a Western "nickname" for ease of doing business with foreigners, for fun, or to be fashionable.
A Chinese student in Beijing or Shanghai might choose his or her English name in high school or college (and presumably, Larry will have the freedom someday to change to a new English name if he so chooses). When I spent a summer working at a financial firm in Shanghai, it was mandatory for all Chinese employees to use their English names — even in conversation with their Chinese coworkers. The only "Claude" I've ever known was a 22 year-old Shanghai native in the cubicle next door.
The process by which Chinese parents name their children is anything but simple. Chinese given names are generally chosen for meaning, sometimes with the consultation of a naming expert who ensures the name is auspicious according to Chinese astrology.
By contrast, the process of a young Chinese student choosing his or her own English name is an exercise in fun and cultural freedom. Chinese shares few linguistic similarities with English, so the typical Chinese name has few built-in clues to suggest its English equivalent. Unlike an "Alexandrei" from Moscow who might use the English name "Alex," Zhang from Beijing is under no obligation to chose "Johnny" as the closest approximation.


text:
When 29-year-old Brittany Hart had a chance in 2011 to buy the building that housed her beauty salon in Florence, Ala., she applied for a loan at her bank. Quickly and without explanation, she was turned down. So she tried three other banks. Same story. When she talked about her discouragement at the shop, one of her clients suggested, "Call Denise over at the credit union." So she did. It took a couple of weeks, but she ended up with a $240,000 mortgage loan that bought the building and a $30,000 secured line of credit. Then she moved her personal bank accounts to the CU.
The personal touch still works. To some degree, a CU can succeed in member business lending just by doing what comes naturally, with existing resources. For the more ambitious, building a strong commercial loan portfolio takes fundamental changes—new people, new services, new budgets. Whether to go big or go small in member business lending is a hot topic today at many CUs.
Hart's business loan is with $630 million Listerhill Credit Union, headquartered in nearby Muscle Shoals, Ala. Listerhill CU recognized member business lending as a line of business about nine years ago, estimates Daryl McMinn, chief operating officer, but it eased into the business cautiously.
Instead of hiring an experienced bank commercial lender, for example, it approached two consumer lenders already on staff who were eager to learn new skills, and sent them to training. (At that time, the CU used a third-party underwriter to meet National Credit Union Administration requirements.
A little over a year ago, Listerhill CU did hire an experienced banker to head up a business that now accounts for $66 million in commercial loans. While Denise Jones, AVP/commercial lending, one of those original consumer lenders, reports to the new executives, she remains the face of the CU's business outreach to many of its clients.
Cautious Success
Listerhill CU offers a fairly full menu of business loans, McMinn reports, but $56 million of the portfolio consists of improved real estate loans. "We're cautious," he concedes. Listerhill CU reached modest success as a business lender with little investment in marketing, technology or staff. "In northwest Alabama, if we please one business customer, others in that same line of work will find their way to us," McMinn says.
Deposit services remain basic. "Our core system doesn't support some of the sophisticated deposit services members desire," he explains. "We rarely originate ACH files and can't do automatic sweeps from one account to another or into investments. We do hope to do more eventually, and we are preparing to launch a business credit card."
Hart's business, Salon Mod & Spa, is still small (about $550,000 a year in annual revenue), but thriving. She tapped her line of credit to renovate the spa, repaid the loan and then borrowed again to renovate a rental unit in the building. She has embraced the credit union's online banking and regularly uses her computer to check balances and move money into and out of business and personal accounts. But she doesn't need remote deposit.
"They have a branch two blocks away. I just walk over every other day and make the deposits in person."
Satisfying All-American Swim Supply, also in Florence, is a greater challenge for Listerhill CU because the firm is a $4.5 million enterprise with stores in Pensacola, Fla.; Memphis and Nashville, Tenn.; and Raleigh, N.C. However, the company is also "a small-business success story because the credit union helped us get our first loan when none of the banks were interested," reports owner Keith Haden. The company is a nationally known supplier of competition swimwear.
But with its dispersed business, All-American Swim Supply needs a bank for what it can't get from Listerhill CU. "We have a relationship with SunTrust, which has branches near all of our stores," Haden explains. "We use the bank to receive daily deposits from those stores and to pay rent, utilities and local payroll from those local accounts." Listerhill CU holds the main corporate account, he explains, and money can be moved online to and from the store accounts to the Listerhill CU account, but the process is manual, not automated.
"The Listerhill infrastructure has limitations, but we have found a solution that works," he concludes.
Credit, all from Listerhill CU, is crucial, Haden says. "Our businesses have fluctuating cash flow, so we need operating lines of credit to meet their needs and continue expansion. We have a growth initiative in the planning stages that will take funding. We're working with the lenders at Listerhill to put that together. They understand what we need and are good to work with."
Bolder Success
For all its success, Listerhill CU is a small credit union playing small ball in a small market. Credit unions that are more ambitious about their member business lending may need more infrastructure. Identifying a member with a business credit need, understanding how that business works, applying good underwriting practices, then structuring, pricing and booking the loan puts just one leg on what needs to be a three-legged stool if a credit union wants to have a stable, enduring program, says James R. Devine, CEO of Hipereon Inc., a Redmond, Wash., consulting firm. He's also a lead instructor for the CUES School of Business Lending.
A second leg should be credit administration. "Once you've booked a business loan, you've taken the first step in a demanding process," Devine says. "The work is relentless over the life of the loan. A lot of CUs that are making business loans still need to work on their credit administration. You need to anticipate problems and start remediation while there's still time to fix things. Even a large or mid-sized CU can struggle to keep production humming and still supply anticipatory credit administration. Problem loans can eat up a lot of time."
Staffing is a huge issue. Many banks and some large CUs have separate staffs for creating credits and for managing and collecting them, but CUs are more likely to use the people who make the loans to administer them, he reports. "They necessarily divide their time," he points out.
The third leg of the stool should be depository and cash-management services geared to small businesses, Devine says. "Otherwise, a business will have to split its business, using a bank for operating services and a CU for credit. "The way to really succeed with businesses is to build a package of credit and noncredit services that meet business needs. Remote deposit capture, lockbox services, even controlled disbursement can be effective. If you only provide one piece, your success will be limited."
Outsourcing can be a quick way to add business services, but there's a down side, Devine cautions. "You want to gain the confidence of your business members, and confidence goes with know-how. If they see that the know-how belongs to some third party they've never met, it undermines their confidence in the CU."
Tough Competition
Credit unions considering a foray into the business lending market should be prepared to face particularly tough competition, Devine warns. The easy days came in 2007-2011 when banks were "forced to the sidelines" because of their credit problems, and credit unions got walk-in business from business owners who were looking for replacement lenders. Now banks are back up off the floor and aggressively trying to take back that business, and credit unions that stacked up business loans during those years find themselves in the cross-hairs, Devine says.
Bank of America can come in and offer to refinance a 5.75 percent loan at 3 percent with no fees, he illustrates. Federal credit unions are banned from putting penalties for refinancing and early termination in their loan agreements, so the only way to keep some of those loans is to cut rates to meet the competition. "We've seen a lot of erosion in CU loan portfolios in the past 12 months," Devine recounts.
Success is still possible, but it will grow out of deep relationships, not swings in market conditions, he advises.
"Go after existing members who operate businesses," he suggests. That means identifying which members run businesses, something only a few leading credit unions have done so far. "Concentrate on the small loans—under $500,000—to businesses whose owners hate the commoditized approach of banks."
Competition with banks is often exaggerated, argues Patrick La Pine, CCE, president/CEO of the League of Southeastern Credit Unions, Tallahassee, Fla. "CUs often complement banks," he insists. "Some CUs tell us that banks refer borrowers to them" because banks don't want to make the $200,000 loan to the guy starting a lawn services business who needs money to buy a mower and a trailer." And borrowers on that scale usually don't need sophisticated noncredit products.
There's good reason for credit unions not to be too ambitious with their business lending, La Pine points out.
"CUs can only make business loans now up to 12.25 percent of assets. If you're successful in business lending, you can hit that cap pretty soon. We're working to get it raised or lifted completely, but there's a real danger that you could staff up for business lending and invest in infrastructure and then hit your limit before you can recover your investment.
"You could help a new company get started and then have to bow out of the second round financing because it's over your limit."
But if you want to keep the business of a growing company, you'll probably have to offer more services than credit—or risk losing the business, he adds. "It's an issue to consider carefully."
$825 million Texas Trust Credit Union in Mansfield is one credit union that is rethinking its business lending ambitions. "We've pulled back and now are focused on smaller loans—under $1 million—and we're targeting owner-occupied real estate like buildings for doctors, lawyers and insurance agents," reports CUES member William Kelsey, CSE, CCE, EVP/chief operating officer.
"In light of the economic challenges, a lot of our old goals are out the door," he reports. "Our commercial loan portfolio used to be $80 million. Now it's $49 million. We used to buy participations to grow our portfolio, but we're exiting that business. We're taking a fresh look at who we are.
"The time and effort used to evaluate participations is being refocused on our market efforts," Kelsey explains. "We are targeting the local businesses to be their one stop shop for all their financial needs. We see opportunities in our market, with local business owners telling us they want to work with a financial institution where the decisions are made locally and they can come in and visit in person."
Texas Trust CU may have taken a step back, but it's still looking forward. "We're upgrading our services," Kelsey explains about the CU's efforts to add payroll and remote deposit services geared to businesses. One HVAC business gets paid by check on locations and would like to use remote deposit to immediately send images of those checks to the credit union for deposit, he reports.
"We want to have the full-deal meal. When we do, we think we can make things happen. When we get a business relationship with an employer, we can bid for the employees (as credit union members). That," Kelsey insists, "will be a win-win."
By doing business loans, Listerhill CU probably has gained a customer for life in Hart and gained a vocal supporter in Haden.
"I can pick up the phone and call Denise or even the president (Brad Green)," Hart says, "and they'll know who I am and what loan I'm talking about. My previous bank could never do that."
"We're a local company with an international business and reputation," Haden boasts, "and it never would have happened if a credit union hadn't taken the time to listen to us, understand our vision and partner with us to make it work."
Peter Duffy, managing director at Sandler O'Neill, New York, says credit unions should do business lending only as part of a strategic plan, not a tactic to build earning assets.
"It's hard to imagine a community financial institution surviving in the long term without being involved in small business lending," he adds. "It has to be part of your earnings, capital accumulation and growth plan. And it needs to help you diversify. The market pressure on consumer lending will not abate, so the need to diversify will only continue."
Richard H. Gamble is a freelance writer based in Colorado.
|NCUA: Green Light With Speed Limits
To the extent that U.S. credit unions' federal regulator controls the traffic signals for member business lending, the light is definitely green—with posted speed limits. When it comes to credit quality, CUs have performed better as business lenders than banks, notes Tim Segerson, deputy director of examinations and insurance at the National Credit Union Administration in Washington, D.C.
Member business loans improve asset diversification, offer better net interest margin than investments and allow CUs to penetrate their member base more fully. They also encourage small business formation and expansion, Segerson points out. Even with conservative underwriting, growth has been solid, he reports.
"They're not having trouble finding borrowers," he says of credit unions. "Growth last year was pretty strong, in line with recent prior years." Call report data from 2013 indicate that MBLs grew by 9.6 percent in 2013, notes John Worth, NCUA's chief economist.
Where CUs cause NCUA a little anxiety is not in MBL underwriting, but in the follow-up, Segerson says. "Some still bring a consumer-lending mindset, 'set it and forget it' thinking. Business lending requires managing a relationship. You can't run business loans like credit cards, just by the statistics. It only takes a few troubled business loans to hit critical mass."
Among all CUs, MBLs grew from $23.5 billion at the end of 2007 to $43.42 billion at the end of 2013, almost doubling but still a tiny fraction of total loans, Worth points out. And more than two-thirds of CUs still make no MBLs. Among those that do, 88 percent are secured by real estate, he notes.


text:
ZURICH – The Swiss city of Zurich is to open a sex drive-in on Monday. Similar initiatives exist in Germany and Italy, while Belgium and the Netherlands have come up with a different approach. Here are some examples.
Germany: The cathedral city of Cologne established a drive-in brothel in October 2001 with eight rooms, called "sex huts" or "performance boxes," into which motorists drive with prostitutes, as if in a garage or gas station.
The site, which served as a model for Zurich, is equipped with an alarm button and toilet facilities. Police keep watch, and the Catholic Women's Welfare Service provides care services for the several dozen prostitutes who work there. Sabine Reichert of the women's service has been quoted by German media as saying the system led to a "considerable decline in violent acts against the women."
Dortmund, also in western Germany, installed "prostitute boxes" a few months before Cologne with the same aim of protecting sex workers and providing social and medical services. Twenty boxes operated for several years, but in 2007 they became a nexus of criminal gangs from Eastern Europe and were closed in April 2011. Bonn installed six wood-walled spaces in January 2011 in a parking lot near the city. Two dozen prostitutes work there on a regular basis.
Italy: Italy has several sex drive-ins, which are used by prostitutes and clients as well as by young couples who are still living at home.
Prostitution is legal in Italy, but solicitation and brothels are not, so while the sites are tolerated, they have sparked opposition from local residents and the Catholic Church.
In Pozzuoli, near Naples, two entrepreneurs opened a "Love Park" in May with 32 places for cars separated by tarpaulin curtains for privacy. The facility in a park was shut down by local authorities, re-opened and has now been closed again. It charged a minimum fee of €5 ($6.70) for two hours, plus €1.5 for each additional hour.
Belgium: In Belgium, where prostitution is illegal but tolerated, the eastern city of Seraing wants to build a pedestrian-only "eros center" that would cover 2,000 sq. meters to provide prostitutes with 34 rooms and a clean and safe environment. The design includes a police locale and a 4,000-sq.-meter parking lot, which in theory would be off-limits for sex.
Netherlands: In Holland, where "window" prostitution has been legal since 2000, streetwalking "tipplezones" are tolerated in five towns, although Amsterdam closed such a site in late 2003.
Others have also shut down, often due to problems stemming from the use of hard drugs such as heroin. In the central city of Utrecht, almost 100 so-called sex houseboats were recently closed, with the city's mayor citing concerns over human trafficking. In Groningen and Heerlen, they are supervised and provide access to legal aid and free contraceptives, and in some cases walled drive-through corridors have been set up for more discretion.


text:
Remix The Mayor: Listener Challenge
The challenge is now closed! Tune in to Soundcheck on Thursday, October 10th, when we'll announce the winners. In the meantime, listen to the submissions below:
The race for the New York City's next mayor is heating up -- and we have the voices of mayors past ready for your remix. With help from the WNYC Archives, we've collected some particularly musical, memorable and very entertaining quotes from some of the city's most well-known politicians.
From Mayor La Guardia saying "little bootie" to Mayor Bloomberg's briefings in Spanish, we've given you plenty of options to work with. Use as many sounds as you like (but at least one), manipulate them however you wish, and add any of your own musical elements.
With the help of guest judges Evan Gregory of the Gregory Brothers (Auto-Tune The News) and comedian and writer Julie Klausner, we'll declare a winner.
And, listen to the original audio samples here:
Audio courtesy of WNYC Archives and the NYC Municipal Archives.


text:
Jan. 15, 2014
Saturday, Jan. 18 -- at Windy City Invite (Chicago, Ill.), 7:30 p.m. CST
Live Results
Participating Teams: No. 1 Michigan, No. 4 Ohio State, No. 5 Illinois, No. 8 Iowa, No. 9 Minnesota, UIC
The No. 1-ranked University of Michigan Wolverine men's gymnastics team (0-0) -- the defending NCAA and Big Ten champion -- will open up the 2014 season at the 44th annual Windy City Invite on Saturday (Jan. 18) at the UIC Physical Education Building in Chicago, Ill. The meet is slated for a 7:30 p.m. CST start and will feature No. 4 Ohio State, No. 5 Illinois, No. 8 Iowa, No. 9 Minnesota and the host institution UIC.
The Wolverines will be competing without Sam Mikulak, who is taking part in a Team USA training camp in Beijing with the U.S. World Championship team. The Americans are training side by side with the Chinese National Team.
Last Time at Windy City
Last season, U-M took first place in the event out of six teams (431.300), with Adrian de los Angeles and Rohan Sebastian taking first and second in the all-around competition, while Stacey Ervin won the vault title as U-M won the annual meet for the first time since 2009. U-M blew away the field, downing both Illinois and Ohio State, which tied with a team score of 427.750.
Blue Knocks off Maize in Annual Intrasquad
The Blue team claimed the victory with wins on floor (57.30), parallel bars (56.20) and high bar (54.75), while the Maize team claimed a victory on pommel horse (55.40), vault (57.50) and still rings (57.50). With this win, the Blue team now pulls ahead 4-3 in the intrasquad record from the past seven seasons.
A trio of highly touted freshmen in Jonathan Chin, Anthony Stefanelli and Tristian Perez-Rivera also made their debut during the meet.
Senior Jordan Gaarenstroom was the lone all-around competitor on the night, scoring an 83.75 in the first all-around competition of his Michigan career.
New Team Captains
The 2014 squad will be headed up by co-captains in graduate season Syque Caesar and senior Matt Freeman. Caesar will captain the squad for the third-consecutive season, while the honor is the first of Freeman's career.
Overview of the Wolverines Squad: Loads of Firepower, Upper Class Heavy
After consecutive years of welcoming double-digit recruiting classes in 2011 and 2012, the Wolverines now have 18 of 25 members of this season's squad being either a junior or senior. Three freshmen and three sophomores comprise the underclassmen, while the squad features 11 juniors, seven seniors and one graduate student.
With junior Michael Strathern redshirting and the graduation of lineup mainstay Rohan Sebastian for a year ago, U-M returns 26-of-30 (in a six up, six count format) routines in terms of lineup regulars from the powerhouse 2013 squad.
Wolverines Ranked Unanimous No. 1 in Gyminfo Poll
Michigan will enter the 2014 season as the unanimous choice for the top spot in the 2014 Preseason GymInfo Poll. Michigan earned all 11 first-place votes to mark the first time in the history of the poll (since 2002) that a team has been tabbed a unanimous No. 1. Oklahoma and Stanford hold the No. 2 and No. 3 spots, respectively. Big Ten foes Ohio State, Penn State and Illinois hold the No. 5 and No. 6 spots, while Iowa (No. 8), Minnesota (No. 9) and Nebraska (No. 10) are the other ranked Big Ten teams.
The Wolverines will host No. 4 Ohio State on Saturday, Feb. 1, as well as No. 5 Penn State on Saturday, March 15. The marquee road matchup for the Wolverines will be against No. 3 Stanford in Palo Alto on Jan. 25.
2014 GymInfo Preseason Coaches' Poll
1. Michigan (11)
2. Oklahoma
3. Stanford
4. Ohio State
5. Penn State
7. California
8. Iowa
9. Minnesota
10. Nebraska
11. Air Force
12. Temple
13. William & Mary
14. Navy
15. Army
Big Ten teams in italics
First-place votes in parentheses
Wolverines Top Big Ten Poll; James, de los Angeles Named Gymnasts to Watch
The No. 1-ranked University of Michigan men's gymnastics team was unanimously selected to finish first in the Big Ten, the conference announced Thursday (Dec. 12) with the release of the preseason coaches' poll. U-M earned two on the Gymnast to Watch list in senior Dylan James, a 2013 NCAA All-American on pommel horse, and junior Adrian de los Angeles, 2013 NCAA All-Around runner-up.
James, who earned his first career All-America citation after taking sixth on pommel horse, looks to lead a unit that finished last season ranked as the No. 4 pommel horse team in the country. De los Angeles, a member of the most dynamic all-around combination in the country along with two-time NCAA all-around champion Sam Mikulak, is coming off a season where he earned three CGA National Gymnast of the Week honors and All-Big Ten first team honors in addition to his All-America citation in the all-around competition.
This is the second straight season that the Wolverines have earned top billing in the conference poll.
2. Ohio State
3. Illinois
4. Penn State
5. Minnesota
6. Iowa
7. Nebraska
Mikulak Entered in American Cup
Sam Mikulak has accepted an invitation to represent the United States at the 2014 AT&T American Cup, scheduled for Saturday, March 1, 2014, at the Greensboro (N.C.) Coliseum Complex.
Mikulak finished sixth in the all-around and fourth on the horizontal bar at the 2013 World Championships. He enjoyed an incredible 2013, winning the all-around crown at the Big Ten Championships, NCAA National Championships and the P&G Championships. He also claimed the parallel bars and high bar titles at both the NCAA Nationals and P&G Championships. Mikulak was a member of the U.S. Men's Team for the 2012 Olympic Games, where he competed in the vault finals.
Invitations to compete in the AT&T American Cup are based on performances at the 2013 World Gymnastics Championships. The international field is expected to be announced in early 2014. The American Cup became a FIG World Cup event in 2011 and is part of the FIG's all-around World Cup series.
Standout Trio Signs with Michigan for 2014-15 Season
A trio standout student-athletes to National Letters of Intent Wednesday (Nov. 20) for the 2014-15 season.
The class, hailed as the top class in the country by StickItMedia.com, features 2013 United States junior P&G All-Around champion Dmitri Belanovski (Milwaukee, Wis./Nathan Hale), 2013 Junior Olympic All-Around champion Marvin Kimble (Milwaukee, Wis./Hamilton) and 2013 United States junior P&G floor exercise champion Marty Strech (Fountain Valley, Calif./Communications Academy).
Marvin Kimble
Prep ... First-place finishes include, 2013 Men's Junior Olympic National Championships (AA, FX, PH, SR, PB, HB), 2012 Visa Championships (AA, FX, SR, PB, HB), 2012 Men's Junior Olympic National Championships (AA, PB, HB), 2011 Men's Junior Olympic National Championships (SR) ... Selected to the first team at the 2012 Kellogg's Pacific Rim Championships and the 2012 USA vs. Canada Junior Team Competition ... Took second on high bar at the 2013 Kyle Shewfelt Festival, as well as third on pommels and fourth in the all-around competition.
Personal ... Born Oct. 27, 1995 ... Attends Swiss Turners Gymnastics Academy with fellow signee Dmitri Belanovski ... Also coached by Belanovski's father, Alexander ... Favorite event is high bar.
Dmitri Belanovski
Prep ... Took first place in the all-around competition at the 2013 P&G Championships, as well as second on still rings and parallel bars ... Also placed first on the still rings at the 2013 Men's Junior Olympic National Championships, as well as second in the all-around, floor exercise and high bar.
Personal ... Born April 19, 1995 ... Father, Alexander, serves as personal coach ... Club gym is Swiss Turners Gymnastics Academy ... From Minsk, Belarus ... Attained U.S. Citizenship on April 19, 2013 ... Attended Nathan Hale High School ... Sister, Polina, is also a gymnast.
Marty Strech
Prep ... Placed first on the floor exercise in the 2013 P&G Championships ... Took fourth place on vault in the 2013 Men's Junior Olympic National Championships ... First place on the pommel horse at the 2012 Visa Championships ... Placed first in the all-around at the 2011 Men's Junior Olympic National Championships ... Placed first on the high bar at the 2010 Men's Junior Olympic National Championships ... Took first in the all-around competition and on vault at the 2013 Kyle Shewfelt Festival, as well as second on floor and high bar ... Placed fifth on floor at the 2013 International Junior Gymnastics Competition.
Personal ... Born April 18, 1997 ... Coached by Eduard Azarian of Azarian U.S. Gymnastics Training Center ... Dad, Martin, was a wrestler.
Mikulak Earns World Finalist Distinction in Antwerp
Mikulak took sixth in the all-around competition at the 2014 World Artistic Gymnastics Championships, scoring an 88.548. His top score on the night came on floor with a 15.366 while also nailing a 15.200 on parallel bars. Due to his nearly flawless performance on high bar during day one of qualifying (15.366), he earned a berth on high bar event finals on the final day in Antwerp, where he took fourth overall after scoring a 15.566.
Mikulak Striving for Best Ever
With 13 All-America citations and five NCAA individual championships to his name heading into his senior season, Mikulak is prepared to stake his claim for the best NCAA gymnast ever. The senior trails Illinois great Joe Giallombrado (seven) as well as Ohio State's Blaine Wilson, Oklahoma's Jonathan Horton and Steve Legendre (six) for the most NCAA titles in a single career. He trails Horton (16) in terms of All-America citations, while Giallombardo owns 14 All-America citations.
U-M to Host 2014 NCAA Gymnastics Championships
Tickets for the 2014 NCAA Men's Gymnastics Championships, hosted by the University of Michigan, went on sale to the general public Nov. 13. The nation's top collegiate gymnasts will travel to Ann Arbor to compete for individual and team glory Thursday through Saturday, April 10-12, at Crisler Center. The host Wolverines will look to defend their 2013 NCAA crown in front of their home fans.
All-session tickets are $28 for adults and $20 for youth (age 18 and younger) and seniors (age 55 and older). Single-session passes are $10 for adults and $7 for youth and seniors.
Groups of 10 or more of any age will be eligible for a discounted single-session rate of $5 per ticket.
Tickets may be purchased online at MGoBlue.com/tickets, over the phone (734-764-0247 or toll-free 866-296-MTIX), or in person at the Michigan Athletics Ticket Office, located in the Marie Hartwig Building at 1100 South State Street in Ann Arbor.
The NCAA Championships will begin on Thursday with two qualifying sessions, scheduled for 1 and 7 p.m. The team finals and all-around competition will be held on Friday at 7 p.m., and Saturday's individual event finals will get underway at 7 p.m.
This will be the third time U-M has hosted a men's gymnastics national championship. Michigan also hosted the event in 1951 and 1971, with the latter held at Crisler. Overall, the last time U-M hosted and won an NCAA championship was in 1958, as men's swimming took home the NCAA title.
2013 In Review
The 2013 Michigan men's gymnastics team captured the fifth NCAA championship in program history and 16th Big Ten title en route to a 27-2 overall record on the season. The NCAA title is the third for Michigan head coach Kurt Golder, who was in his 17th season at the helm of the Wolverine program.
Led by 2012 United States Olympian Sam Mikulak, who compiled six NCAA All-America citations and a trio of NCAA titles (all-around, high bar, parallel bars), U-M earned a total of 13 team All-America citations to tie the most in program history. Along with Mikulak, Rohan Sebastian, Syque Caesar (3), Dylan James, Adrian de los Angeles (2) took home citations.
The six citations are the most in a single championship for any Wolverine ever, highlighted by the third-highest high bar score in NCAA history in the event finals (16.10). He also became the first Wolverine in program history to win both parallel bars and high bar in the same season. The margin of victory of 443.200-440.100 over second-place Oklahoma is the largest victory margin in 29 years.
Ways to Follow U-M Gymnastics
For fans not able to attend meets this season, there are several ways to follow the Wolverines action this year. Your primary source for all things Michigan is MGoBlue.com, where recaps, features, schedules, and statistics can be found. Live results will be provided for all home meets, as well as select away meets. Additionally, follow @umichgym for live updates at meets, and 'like' Michigan men's gymnastics on Facebook, where special content can be found throughout the season. New to the 2014 season is the teams Instagram account, @umichgym.
Saturday, Jan. 25 -- at Stanford (Palo Alto, Calif.), 7 p.m. PST
Contact: Scott Kemps (email@example.com)


text:
Features and Benefits:
- Gates Curves provide proper cord support and full contact with the sheave-groove for uniform loading, uniform wear, and increased belt life.
- Flex-Bonded Cords are strongly bonded to the body of the belt resulting in equal load distribution and the absorption of bending stress without cord reduction.
- Flex-Weave® Cover is a patented fabric construction for longer cover life, providing extended protection to the belt core from oil, dirt and heat.
- Meets RMA static conductivity requirements.
- Meets RMA oil and heat resistant standards.


text:
Kill, how do I go about contacting the chaka98 lady about flora in my size? Will she be able to get it?
Messaged her on Ebay. I'm dumb. :I
Kill, how do I go about contacting the chaka98 lady about flora in my size? Will she be able to get it?
Messaged her on Ebay. I'm dumb. :I
What sites do you use?
My friend sent me a Top Gun callsign generator to try out...
I'll have another go at it.
I'd rather use a fantasy name generator now.
Apparently there's an Echo 1 SVD now. I assume it's a CYMA rebrand so it should be good.
One of the Canadian retailers is supposed to have it but their site is borked so I don't know how much it is.
Wait no it's a rebrand of the King Arms SVD. The CYMA is wood and comes with an 80 round mag.
CYMA doesn't have wood, or at least it doesn't on ASGI.
or it's S&T or A&K
best part is how they have the american flag on the box
Masta Blasta
You guys seen the new General Purpose Machine Gun we Brit's have just gotten added to our armed forces?
Wouldn't mind seeing this for airsoft sometime soon.
I like it!
However, I doubt we'll be seeing one anytime soon, unless its an expensive conversion kit for an existing M240.
brit version of the m240L, we both use the fn mag, in the same capacity lol
except they're smart and are coloring their weapons tan while we still use black (even though the military did make it ok for regular soldiers to paint their weapons camouflage)
Got a simpleboo level flashlight and my PBS-4 and Sordins in today.
Its me Brutal. I like G&Ps.
I might finally be completely done with the M1100 short of fine tuning.
The techs at my arena cut the loading arm to size for free and I epoxied it onto the wood grip.
Now I can chamber shells by the pump, as well as clearing any jams I might encounter.
I also got to fuck around with my friend's real AK107.
If I ever own a real gun, it will be a Kalashnikov
not because I'm a russofag, or do I prefer them over AR15s - it's because they're easy to maintain and I'm a lazy as fuck guy who still lives with his parents
if shit hits the fan I will go over my directions of modifying the receiver to be full-auto
I put all my mags out on my bed and spotted a problem.
I think i might have a slight imbalance in how many mags i have.
Also fitting these mags into pouches is hard as fuck. I have two double M4 mag pouches on my plate carrier, but they can only fit 1 M14 or G36 mag in each. I can fit 2 M14 mags in one, but it's not easy to get them out again.
slr107 != ak107
Whoops. Oh well, its not my gun so I don't give a shit. It was super nice though.
killed three people with one grenade today lol
and took another hostage
it was a good day
Since I bought a second M14, I have two plastiwood stocks. Should I paint one over, and what should I do? I'm thinking OD if not a snake skin/Crysis paint job, for kicks.
do it BHD style, and get an aimpoint too
What is the hierarchy of GBB pistols?
And bought a cheap, very solid feeling springer because ill never be able to afford a GBB pistol. Just a last resort. I love M1911s and it looks sexy.
WA and TM might be switched around, but WA is mega expensive.


text:
Financial Planning
Financial Planning and Registered Financial Consultants
The International Association of Registered Financial Consultant is a non-profit credentialing organization of proven financial professionals formed to foster public confidence in the financial planning profession, to help financial advisors exchange planning techniques, and to give deserved recognition to those practitioners who are truly committed to ethical standards and continuous professional education.
We invite inquiries for Membership
If you are an experienced and qualified financial professional (at least 3 years in financial industry) we welcome you to join IARFC to become an RFC in the Philippines.
Registered Financial Consultant | Leaders
Registered Financial Consultant | Ralph Liew
Entrepreneur, Business, Management Consultant, Trainer. Has over 50 year's work...
Registered Financial Consultant | Jeffrey Chiew
DR. JEFFREY CHIEWIARFC Asia Chair and Company director ... Jeffrey was Past President, N...
Registered Financial Consultant Edwin Morrow
Edwin P. Morrow CLU, ChFC, RFC® Chairman & CEO of IARFC IARFC Financial P...
Be a Registered Financial Consultant
Registered Financial Consultant
We Invite Inquires and Membership
If you are an experienced and qualified financial professional (at least 3 years in financial industry) we welcome you to join IARFC to become an RFC in the Philippines.
View items...
Registered Financial Consultant – The Global Designation
Financial Planning is the number one job in the USA and fast catching up in the Philippines. Build a rewarding financial career in the Financial Service Industry with the RFC designation. RFCs work in different fields like banks, life insurance, mutual funds, stock markets, financial services and real estates. The RFC is way ahead of peers and competitors.View items...
Financial Planning BlogsWritten by RFC Consultant
Latest Blogs of the Registered Financial Consultants in the Philippines
You Become What You Always Do
What are you building on? A dream house, gadgets, cars, jewelries that later on are sold or pawned due to illiquidity, to pay off credit cards on default? Are you building on debts for hospital bills to save life due to health failure? Are you taking out loans for house repainting, home improvements, fly now pay later promos to satisfy whims and caprices? Better put on financial disciplines before you find yourself in a hole that you yourself have dug. Amelia is a mother of 7. She became a widow at age 44. Her eldest then was a newly graduate…
Financial Management Q and A
1. When did you become a financial adviser with Manulife? I was coded in October 14, 2011 for both life and VUL. 2. What made you take up the career? It was unplanned. I was in a crossroad of my life whether to continue working with a friend whom I was setting up a new business or seek employment. My mother who believes so much in insurance was the person who encouraged me to become an insurance agent. Since she invests a lot and I am the one who oversees her money, she enticed me to receive the commissions from…
The Colours of Money
Are you aware that money comes in various colours. Money uses can be segmented into four different types. In this article, Dr. Jeffrey Chiew talks about the four Colours of Money. The FIRST type is SERIOUS MONEY Serious money is money to be used for serious needs such as education, retirement, medical expenses, long term care and others. In this type of money, we are not too concerned with a high rate of return but a fair rate of return and at the time when it is needed most. Typically, the financial products used for this kind of purpose are…


text:
Guernsey Militia
August 1914 : this regiment incorporated two full battalions of infantry, both based on the island. In March 1915 one Company was detached and joined the 6th (Service) Battalion of the Royal Irish Regiment.
1st (Service) Battalion
Formed by the Militia in 1916 and named the Royal Guernsey Light Infantry.
Moved to Bourne Park (Canterbury) in May 1917, under orders of 202nd Brigade in 67th Division.
27 September 1917 : left the Division and landed at Le Havre, then transferred to 86th Brigade in 29th Division. Took part in the Battle of Cambrai in late November 1917.
27 April 1918 : left the Division and became GHQ Troops after sustaining heavy casualties at Le Doulieu in the Battle of the Lys.
2nd (Reserve) Battalion
Formed by the Militia in 1916 and remained in Guernsey.
Can't find what you are looking for? Run into a brick wall? Can't understand military documents?
Benefit from the Long, Long Trail's professional service, fourteeneighteen|research.
The Long, Long Trail is pleased to recommend Naval & Military Press, the home of military history books on the web.
The Long, Long Trail is pleased to recommend Battle Honours, the UK's leading company offering battlefield tours, with the ability and experience to arrange tours for groups of all sizes.
Visit the Long, Long Trail's bookstore: The Dugout


text:
This rifle comes complete with a detailed test certificate and is covered by The Airgun Centre's unique lifetime guarantee and service pledge.
The new SATTM is the new patent pending trigger developed by Gamo® and incorporated in many Gamo® air guns. The SATTM is a custom made trigger designed for all disciplines of shooting and will allow you to shoot like a pro! It features a smooth trigger pull that increases the rate of accuracy and provides a responsive, clean, break when you need it most. The letters SATTM are engraved on both sides of the trigger which has been developed in a stylish dark grey colour ensuring a state of the art appearance to your new Gamo® air gun.
Price as configured:
Finance only available on orders between £250 and £7500.
Only available to UK residents over 18, subject to terms and conditions.
Rates of finance offered in this calculator are based on this specific product and can be applied for once this item has been added to basket. When adding multiple items to the basket it is possible that promotional rates may change.


text:
"Take center stage with this bold burst of floral energy that seduces and mesmerizes from across the room."
To begin, I love the packaging of this (as I usually do with Benefit products). I've never owned any of their fragrances, but I love the little flip-out box this comes in, along with the artsy gold bottle. For some reason the gold color and shape of this bottle reminds me of something I would find in the Cave of Wonders in Aladdin. Am I right?! Hands off, Abu!
When I first smelled this, I was particularly surprised by how much I liked the scent. I'm not good at recognizing exact notes in a fragrance, but upon looking them up, I found the following:
Top notes: orange flower absolute, apricot, pink freesia
Middle notes: ylang ylang, tiare flower, white peony, jasmine sambac
Base notes: crystal amber, liquid musk, vanilla
Ahh, that explains it! I LOVE florals with a bit of musk to them. Good job, Benefit!
See & Be Seen Sasha contains 30ml/1.0 fl oz and retails for $36.
For my first Benefit fragrance experience, I'm really happy with this! The scent is nice and it wears well on my skin: not too strong, not too weak. I'm sometimes a bit hesitant when companies that are mostly makeup-based have fragrances too, but this is a nice one.
Have you ever tried any of Benefit's fragrances?
xx, Allison


text:
The Office
It's been two seasons since Michael Scott graced the Dunder Mifflin Scranton Branch, and during last night's series finale of "The Office," he made a triumphant return.
Steve Carell surprised viewers by showing up at Dwight and Angela's wedding to serve as the best man, as NBC was great at keeping the whole thing a secret.
They've been one of the most heralded casts of their generation, and "The Office" stars had a hard time saying goodbye to their longtime gig.
John Krasinski, Jenna Fischer and Rainn Wilson are featured in a new video tribute and it's definitely a tear-jerker!
After nine years of laughs, the cast of "The Office" celebrated the series finale at the wrap party at Unici Casa in Culver City, California on Saturday (March 16).
Gracing the red carpet before heading inside were favorites like Jenna Fischer, who wore an all-black outfit with a white blazer; John Krasinski in a striped dress shirt with a tie, black vest, and black pants; and Ed Helms in a gray suit and red bowtie. Adorable Ellie Kemper smiled brightly in a sleeveless red lace-covered dress with beige heels.
It's hard to believe that it's almost over, and "The Office" has announced that the final episode of the series will air on May 16th at 9pm.
The 200th installment the mockumentary/sitcom will be a full hour that wraps up both the meta-narrative as well as the subplot that began earlier this month.
Fans of Dunder Mifflin shenanigans will likely feel conflicted at the onset of the ninth and final season of the much-beloved comedy "The Office."
And ahead of the September 20th season premiere, NBC has released an exclusive clip from the episode titled "The New Guys."
It's had a good run, but hasn't been the same without Steve Carell's Michael Scott and on Tuesday (August 21), executive producer Greg Daniels confirmed that "The Office" will end after its upcoming ninth season.
In a press conference, Daniels said, "This will be the last season of 'The Office,' and we're planning a big, exciting last season," adding that, among other surprises, viewers will finally get a glimpse of the people behind the "documentary" that's been the series' premise.
After joining the NBC series in 2011 actor James Spader has decided to leave "The Office".
The 52 year-old actor was originally brought on to the show to help transition after Steve Carell's departure.
His witty personality has earned him a spot as one of the most beloved comics on television, but a recent off-color joke has landed Rainn Wilson in the hot seat.
On Monday, the "Office" star tweeted, "If I were ever date-raped, I would want it to be to 'Whole Lotta Love' by Led Zeppelin."
Each year, the Primetime Emmy Awards are a highlight of the entertainment industry's fall season, and Sunday evening's ceremony definitely didn't disappoint.
With Jane Lynch tending to hosting duties, the 63rd incarnation of the Emmy's had plenty of memorable moments and appearances, with a bevy of trophies being handed out.
As the premiere of Season 8 draws near, NBC has released a new promotional video for "The Office."
In the hilarious clip, Robert California, played by James Spader, makes his return to the Dunder-Mifflin office.
Hottest Videos
Hottest Stories
- 1)
- 2)
- 3)
- 4)
- 5)


text:
Spring has sprung. The robins are back, plants are budding, the weather is warmer, and St. Patrick's Day is just around the corner. In celebration of this magically green day, I was inspired to created a healthier version of the popular Shamrock shake.
I'm a huge fan of smoothies and I make one pretty much every day. With a few nutritious ingredients, you can whip up a yummy Shamrock Shake in a few seconds.
1 cup of spinach
2 ripe bananas (chopped and frozen)
1/2 avocado
1 cup of organic non-gmo almond milk
1 Tbsp maple syrup
1 tsp spirulina or chorella
1/4 tsp organic peppermint oil
All all your ingredients in a blender. Blend on high for 30 – 60 seconds. Serve!
Spirulina is a natural "algae" powder that is incredibly high in protein and a good source of antioxidants, B-vitamins and other nutrients. Avocados contain more potassium than banana's, are loaded in fiber, abundant in nutrients, are good for you heart, and lower cholesterol. Spinach is low in fat and even lower in cholesterol, it's high in niacin and zinc, as well as protein, fiber, vitamins A, C, E and K, thiamin, vitamin B6, folate, calcium, iron, magnesium, phosphorus, potassium, copper, and manganese.
My family loves this smoothie, it's delicious and give you lots of energy. I like to amp it up and alter the greens for variety and a balanced diet.


text:
This leaflet is intended for people who have been assessed by a doctor or nurse following a head injury (and for their carers), but who have been allowed home. Always see a doctor or nurse if you are concerned about an injury.
Minor head injuries
Minor head injury and knocks to the head are common, particularly in children. Following the injury, if the person is awake (conscious), and there is no deep cut or severe head damage, it is unusual for there to be any damage to the brain.
However, sometimes a knock to the head can cause damage to the brain or to a blood vessel next to the brain. A damaged blood vessel may bleed into the brain, or more commonly, into the area between the brain and the skull (a subdural haemorrhage). This is uncommon, but can be serious, as a build-up of clotting blood can cause pressure on the brain. See separate leaflet called Subdural Haematoma for further detail.
Symptoms of damage or bleeding may not develop for some hours, or even days, after a knock to the head. In rare cases, symptoms from a slow bleed can develop even weeks after a head injury.
This is why 'head injury instructions' are given to people who have had a head injury. These provide information, including symptoms to look out for following a knock to the head.
Seek medical help quickly if any of the following symptoms occur after a head injury
- Drowsiness when you would normally be wide awake (but see below).
- The injury was associated with loss of consciousness or penetrating injury to the head.
- Worsening headache - which does not go away with paracetamol (but see below).
- Confusion, strange behaviour, and any problems with understanding or speaking.
- Inability to remember events before or after the head injury.
- Unresolving headache.
- Being sick (vomiting).
- Loss of use of part of the body - for example, weakness in an arm or a leg.
- Dizziness, loss of balance or walking strangely.
- Fitting (convulsions) or collapse followed by feeling strange afterwards.
- Any visual problems, such as blurring of vision or double vision.
- Blood or clear fluid leaking from the nose or ear.
- New deafness in one or both ears.
- Unusual breathing patterns.
- You have a history of bleeding easily, or are taking medications which thin the blood; or, you have previously had brain surgery.
If none of the above are present, your doctor may still send you to be assessed in accident and emergency. Your doctor will do this if there are any concerns regarding the diagnosis, there is altered behaviour or irritability (particularly in children) or there is no one to be with you for the first 24 hours of the head injury.
A note about drowsiness
After a knock to the head, children will often cry, be distressed and then settle down. It is then quite common for them to want to sleep for a short while. This is normal. However, it will appear to be a normal 'peaceful' sleep, and they wake up fully after a nap.
Some parents are afraid to let their children go to sleep if the accident happens just before bedtime. Do let them. Drowsiness means they cannot be roused. If you have a concern, wake the child up after an hour or so. They may be grumpy about being woken up, but that is reassuring. You can then let him or her go back off to sleep again. You can do this a few times during the night if there is particular concern. When asleep, check to see that he or she appears to be breathing normally and is sleeping in a normal position.
A note about headache
It is normal after a knock to the head to have a mild headache. Sometimes there is also tenderness over bruising or mild swelling of the scalp. Some paracetamol or ibuprofen will help. It is a headache that becomes worse and worse which is of more concern.
Some other symptoms that may occur
Some people develop some mild symptoms after a head injury that are not serious and usually go away within two weeks. These can include:
- A mild headache
- Feeling a bit sick without being sick (vomiting)
- Being irritable and grumpy
- Tiredness
- Poor appetite
- Some difficulty concentrating
These may develop just as a reaction to a knock on the head and not due to bleeding or serious injury. However, if you have any doubt about a symptom following a head injury then it is best to get it checked out by a doctor as soon as possible. Also, see a doctor if you feel that you have not completely recovered after two weeks.
Other head injury information which may be provided to you
- Details of the injury and how severe it is.
- The need for a responsible adult to be with you for the initial 24 hours after their injury.
- How quickly you can expect to recover and what this is likely to involve. This will include when you can return to work or school. Some patients may develop complications later.
- Contact details of where to get further help if any complications occur.
- Available support organisations.
Some tips and other general advice
- Show a relative or friend this advice leaflet so they too know what symptoms to look out for.
- Stay within easy reach of a telephone and medical help for the following few days.
- Do not take any alcohol or drugs for the following few days.
- Do not take sleeping tablets or sedatives unless prescribed by a doctor.
- Discuss with your doctor about playing contact sports such as rugby or football. It is often advised that you should not play contact sports for three weeks following a head injury.
- Do not drive, ride a motorbike or bicycle, or operate machinery until you feel completely recovered.
Did you find this information useful?
Further reading & references
- Head injury: Triage, assessment, investigation and early management of head injury in children, young people and adults; NICE Clinical guideline (Jan 2014)
- Early Management of Patients with a Head Injury; Scottish Intercollegiate Guidelines Network - SIGN (May 2009)
Disclaimer: This article is for information only and should not be used for the diagnosis or treatment of medical conditions. Patient Platform Limited has used all reasonable care in compiling the information but make no warranty as to its accuracy. Consult a doctor or other health care professional for diagnosis and treatment of medical conditions. For details see our conditions.


text:
How to put mud on outside corner for second coating?
I have a question regarding muding on outside corner for second coating:
I know we need to run a 10" towel along the edge of a outside corner for second coating....
my question is:
Do I put the mud on the outside corner a portion at a time by a 5" mud knife and then run the long edge towel down a portion at a length,
or I put the mud on the outside corner for the full length with the 5" mud knife for a width of 8 to 10", then run the long edge towel down for the full length.
which way is better or the only way to do it... last night I did use the first way, and feel it is not too efficient...
I use the larger knife to apply the mud then smooth it out with the same knife. Unless my arm is beat from the days work then I sometimes cheat and use a smaller knife to apply. I think whatever floats your boat is the way to go.
Thanks for the reply, but I probably didn't explain myself clear enough, I was asking should I apply mud for the whole length of corner or a bit at a time, before sweeping the long edge knife,
anyhow, I found out from the weekend experience, it should be apply to whole length or longest length you can sweep, then sweep it all with one stroke...
|All times are GMT -5. The time now is 10:49 PM.
vBulletin Security provided by vBSecurity v2.2.2 (Pro) - vBulletin Mods & Addons Copyright © 2017 DragonByte Technologies Ltd.
User Alert System provided by Advanced User Tagging (Pro) - vBulletin Mods & Addons Copyright © 2017 DragonByte Technologies Ltd.


text:
Personal computing discussed
Moderator: Hoser
Krogoth wrote:Care to enlightenment me?
Krogoth wrote:Care to enlightenment me?
grantmeaname wrote:You waited a year and a half for that to be your first post?
Welcome to TR! You win all the internets and a cookie. Seriously, I about looked like a total idiot at work trying not to crack up. Well done, sir.
grantmeaname wrote:Yawn, wake me when they get to $1/GB
/front-page commenter
Your email address is not valid for redemption of promo code BTENFGN45
DPete27 wrote:ugh, OCZ haters like gbcrush are not appreciated.
Dposcorp wrote:Looks like your email address has to be on the list, even if it went to your spam folder or something. Still not working for me
DPete27 wrote:ugh, OCZ haters like gbcrush are not appreciated. Sure, OCZ are early adopters for SSDs, often rushing to market with them. The sandforce bug was not OCZs fault though. Many other companies fell into the same pitfall, some of those other companies didn't release a firmware fix for MANY MONTHS after OCZ (and shortly thereafter Corsair) released the "final fix" sometime last fall. (August?) IMO OCZ was definetly the most proactive with the sandforce bug. I have had no problems with my Vertex 3 and have no researvations about buying any of their products. I've also never had any problems getting my mail in rebates from them. Just have to be patient.
Forge wrote:You're not fully informed. There are many reasons to hate OCZ, you're only looking at one of them. I personally have eaten several hundred dollars in the last few years due to OCZ's "support". Firmware bugs and design issues are one thing. OCZ has plenty of other things to not like as well.
DPete27 wrote:Fair enough. (wondering what "other things" are not to like) I have an OCZ Fatality 550W PSU and a Vertex 3 running in my main rig and have had no issues. Lets face it, people are more apt to complain about something in forums or in user reviews on newegg than to praise equiment that is working properly. If you or anyone had a bad experience with OCZ or any other manufacturer, you have a right to distrust that company. The problem is that when you write something that many people see, you're spreading your feelings of what might be an isolated infrequent bad experience to many other people that may have no pre-existing opinions or experiences of their own. I try to voice my satisfaction of products in defense of attacks like this, but I admit that my situation is also the opinion of one person making it a very small sample size. Perhaps my "defense" was a bit more pointed than necessary also, my apologies.
Corrado wrote:To be fair, I believe OCZ changed leadership sometime ago, and their products HAVE improved since then. They're still somewhat shaky periodically, but no more so than anyone else, really.
Forge wrote:http://www.linkedin.com/company/42992?trk=tyah
CEO Ryan Petersen
Has been since the generation 1 garage operation. He was the one original guy buying up Dresden-made Athlon 750MHz chips and 'pretesting' them. I bought one pretested to 1.1GHz since that was a very nice OC, and the price premium was small. Too bad it would fail Linux kernel compiles at 950MHz, much less Prime95 or other serious tests. That was my fault, too. My FOP38 hairdryer wasn't enough cooling, I was told. Later my OCZ RAM was great, it was my fault that it didn't work. It's never OCZ's fault.
Also, 'leadership change' and 'corporate restructuring' are routinely used at OCZ as code phrases for 'We're better now, we swear, but we're still not honoring your warranty.'
I really gotta get split off from this thread, I think.
Corrado wrote:I had some bad OCZ ram out of the box that they fixed no issues. However this was only 2 or 3 years ago.
DPete27 wrote:Dposcorp wrote:Looks like your email address has to be on the list, even if it went to your spam folder or something. Still not working for me
Are you subscribed to their newsletter email list? That would be required for sure.
DLHM wrote:Just worked for me.
Corrado wrote:To be fair, I believe OCZ changed leadership sometime ago, and their products HAVE improved since then. They're still somewhat shaky periodically, but no more so than anyone else, really.
flip-mode wrote:A while ago TR did an article that ended up criticizing OCZ for something or other and OCZ's response was to start this beg attempt to discredit Tech Report. Anyone remember that? If anyone can dig that up I'd love to read it again for old time's sake.


text:
Biggins® brand potatoes come in a variety of packages, including: Biggins® Singles (in russet or sweet potato varieties), Biggins® premium quality bakers in packs of three or four, and 8-, 10-, 15- and 20-pound packages. Additionally, Biggins® Grillers are available in russet and sweet potato varieties, wrapped in our foil FlavorWrap™ and ready for the grill or oven! And, if you like our potatoes, you're sure to love Biggins® jumbo yellow onions in 10 pound bags.
It does not work like the rest, and levitra vardenafil confirms this. Dreaming about the just things it seems to me strange.


text:
January 22, 2010 – High school students with an interest in architecture will spend a day working with experts in the field at the Fifth Annual Dutchess Community College Day of Design on Feb. 6.
Local students in 10th, 11th and 12th grades will work with professional architects on a design project. By the end of the day, the students will have developed a concept board and architectural model.
Ten architects have volunteered their services for the program. Participating students are coming from school districts including Arlington, Poughkeepsie, Marlboro, New Paltz, Ketcham, Rhinebeck, John Jay, Our Lady of Lourdes, Spackenkill, Dover and Newburgh Free Academy.
The Day of Design will be held at the main DCC campus in Poughkeepsie in Taconic Hall room 103. The day will begin at 8:45 a.m. and conclude with the presentations of projects at 4 p.m.
A limited number of spaces are still available for students. For more information, or to register, contact David Freeman at (845) 431-8410 or firstname.lastname@example.com. More can be found at www.sunydutchess.edu/enact.
The program is sponsored by the DCC architecture faculty, the Dutchess Community College Foundation and Catskill Art and Office Supply.
Founded in 1957, Dutchess Community College is a two-year community college that has earned a reputation for providing an outstanding education at the lowest tuition in New York state. Its main campus is in Poughkeepsie, with a satellite campus in Wappingers Falls. For more information, visit www.sunydutchess.edu.


text:
D. J. Gregory, third from right, presents a $25,000 check to Guy Giesecke, third from left, CEO of Batson Children's Hospital, Jan. 29 on behalf of Gregory's Walking for Kids charity.
Gregory, who suffers from cerebral palsy, partnered with Pro Golf Association golfers to walk every hole and round of each 2012 PGA tournament event. Gregory's charity received a donation every time a golfer made a birdie.
Also on hand for the presentation are, from left, Batson Children's Hospital patient Malia Wallace and her brother, Michael, Tom Sikes, Walking for Kids board member, and Batson Children's Hospital patient Lilah Reynolds.


text:
It is the kind of story that urban legends and campfire stories are made of but with one exception, this story is true. In the early morning hours of June 13, 1977, Doris Denis Milner, 10, Lori Lee Farmer, 8, and Michelle Gusa, 9, were found in their crumpled sleeping bags bludgeoned, strangled, raped and murdered. According to The Associated Press, two of the girls had been bludgeoned to death while the other was found outside their tent, face-up, hands taped behind her back, apparently strangled.
For more information please download our free ebook: Girl Scout Murders


text: Kitchens are usually the busiest room in the house so why not add a personal touch to the place you spend the majority of your time with personalized kitchen linens? Our personalized pot holders come in designs the whole family will enjoy, including pot holders that match some of our personalized aprons. If you're going to be cooking, you may as well look the part with our personalized youth and adult chef hats, which can be personalized with any name or title! Last but not least, create your own embroidered kitchen towels by choosing your favorite graphic, thread color and font. You can personalize a set to match your own home or create a set as a wonderful hostess gift!


text:
Click for larger view
4 Piece Ergonomic Pruner Gift Set
Be the first to review this product
Item#: CLA108
Availability: In stock
4 piece set includes bypass shears, anvil shears, fine shears and a plant knife. Modeled after hard-to-find antiques from a time when tools were painstakingly crafted by hand. Features quality craftsmanship and details like beautiful oak handles and durable carbon steel blades. The package is ready for gift giving in a nostalgic craft gift box. The tools are made with high quality forged steel that features a non-stick blade finish. A great gift for any gardener.
Use spaces to separate tags. Use single quotes (') for phrases.
You have no items in your shopping cart.
You have no items to compare.


text:
arc of killing download free id:SIqP full version
== Search results for arc of killing ==
Searched file: arc of killing
*Filename: arc of killing.zip
*Year: 2015
*Total Downloads: 153451
*Uploaded: 03/01/2015 01:28:38
*Type: WinZip
*Supported OS: All
== Searches related to arc of killing: ==
03/01/2015 01:28:38
Arc of Justice: A Saga of Race, Civil Rights, and Murder in the Jazz Age [Kevin Boyle] on Amazon.com. *FREE* shipping on qualifying offers. An electrifying story of ...Joan of Arc (c. 1412 – 30 May 1431), nicknamed "The Maid of Orléans", is considered a heroine of France and a Roman Catholic saint. She was born to Jacques d'Arc ...3/22/2014 · The AnimeJapan panel for Yana Toboso's Kuroshitsuji (Black Butler) manga and anime announced more details on future works on Saturday, and also unveiled a ...Arc of Justice: A Saga of Race, Civil Rights, and Murder in the Jazz Age by Kevin Boyle. Forgotten Justice A review by Priya Jain . The cover of Kevin Boyle's Arc of ...Joan of Arc - You have heard Her Name, Do you really know Her Story? Comprehensive timeline and history about the life of Saint Joan of Arc.Joan of Arc - You have heard Her Name, Do you really know Her Story? Facts and History of Saint Joan of Arc with timeline, quotes, pictures, biography and the ...ARC is a secular body that helps the world's major faiths develop their own environmental programmes based on their core teachings, beliefs and practicesThe Ar c of Burlington County. The Arc of Burlington County is a not-for-profit organization committed to helping improve the quality of life for children and adults ...The Messenger: The Story of Joan of Arc is a 1999 French historical drama film directed by Luc Besson. The film stars Milla Jovovich, John Malkovich, Faye Dunaway and ...About ARC. Richmond County School District Listing; Departments, Clubs, and Other Areas; School History; Statement of Beliefs; 2014-15 Academic Calendar
arc of killing
== Related Links: ==
pilladelphia phillies hk patch drivers daily log key gen traveling song lyrics from madagascar 2 solaris 9 timezone patch how to make seedless blackberry jam triple h my time mp3 one sweet day mariah mp3 asleep song build a eprom program cable scorpion 1080 web dl jimi hendrix jimi plays monterey into the midnight hour mp3 fairies from the nutcracker school band elvis presley shoes blue game fix 2007 jelsoft enterprises ltd novatel wireless driver how to wire a media closet how to make sodium chlorite logic 3 usb gamepad no shuffle mp3 motion city soundtrack lets get how to be like robert pattinson sms operations manual Raphael - No Puedo Arrancarte de Mi mp3 beethoven fidelio piano mp3 toughbook cf y2 tour package malaysia singapore how to turn coca cola into ice just for laugh gags best how to fly rc helicopter upside down


text:
Uncle Henry Schrade+USA 167
- Sold for: Start Free Trial or Sign In to see what it's worth.
- Item Category: Militaria & Weapons
- Source: eBay
- Sold Date: Mar 23, 2008
- Channel: Auction House
This is a Uncle Henry Schrade+ U.S.A. 167 knife with leather case it is in very good condition the knife itself is 12" long. Thanks for looking


text:
Already a member? Log in
Please enter your username below and press the send button.A password reset link will be sent to you.
If you are unable to access the email address originally associated with your Delicious account, we recommend creating a new account.
Website: http://a.wholelottanothing.org/
Following: 60 Users
This link recently saved by mathowie on November 24, 2004
I splurged and got a grey market s700i europhone


text:
There is one thing that can be said about the candidacy of Mitt Romney for the presidency of this nation–he will adopt the opposite view if that leads to more votes. One day Mitt is for health care that enables all citizens to access it, the next day Mitt can not support the ideas of Mitt who has now been transformed into a Communist Socialist seeking to undermine our society. A few months ago, Mitt favored the Obama plan to cut payroll taxes, but he shortly met Republicans who deem the idea of agreeing with anything spoken or done by Obama was wrong. So, Mitt now opposes what he suppported.
If flip flop was a virtue, Mitt would be a saint in heaven. He ran for governor as a moderate Republican who was pro-choice, support civil unions for gays and lesbians and believed there was an environmental crisis on this planet. Today, he believes anyone who supports what he supported should be supported on his way to the nearest psychiatric hospital.
If only Barack Obama would say: "the sky is blue and the sun comes out during the day." I am certain Mitt would blast away at such wild liberal thinking. The only thing that Mitt is consistent about is being inconsistent.


text:
The Texas State Championship 5A final match descended into chaos at the weekend as a runaway golf cart wreaked havoc.
Confusion reigned over the events at the Dallas Cowboys Stadium, but it appears that a block had lodged itself over the accelerator pedal of the unmanned golf cart as it came on to the pitch, leaving the bewildered driver in a panic.
Spring Dekaney coach Willie Amendola, who was giving an interview after winning the game, was one of several people struck by the cart, and found himself thrown into the driver's seat, from where he tried his best to steer it out of harm's way.
He too fell out of the cart, but a field worker managed to jump in, remove the block and bring the runaway vehicle to a standstill.
What caused the incident remains unclear, but fortunately the injuries ended up being relatively minor, with just one person taken to hospital with a leg injury.
Watch the extraordinary incident here:


text:
Welcome to E-Books Directory
This is a freely downloadable e-book.
Your Singapore: Little Black Book
Read this book online or download it here for free
Custom Search
Your Singapore: Little Black Book
Publisher: Singapore Tourism Board 2014
Number of pages: 27
If Singapore were a high school student it would be the nerd of the classroom (the non-chewing-gum-kind of course). This high achiever clearly wants to be the best and first at everything: home to some of the world's swankiest hotels; host of the world's first F1 night race; home to the world's biggest observation wheel.
More Sites Like This
|Science Books Online
|Books Fairy
|Maths e-Books
|Programming Books


text:
STEM Students Should be Taught to FailDiana Wehrell-Grabowski on November 26, 2012 in Science, Technology, Engineering, and Math (STEM) Education, Teacher Training Workshops Comments Off on STEM Students Should be Taught to Fail
Elizabeth Gerber, a mechanical engineering professor at Northwestern University believes that STEM students must be taught to fail during STEM classes. This type approach will allow the students to succeed in the "real-world." In many STEM classes students are given a problem to solve, using a set of instructions, and specific materials. This method does not allow the student to fail. During my science, technology, engineering, and math (STEM) teacher training workshops I conduct I have teachers conduct STEM investigations that are problem-based. Problem-based investigations focus much more on the process of investigating rather than the finished product. Teachers employ the Engineering Design Process via asking questions, creating, designing, building, testing, re-designing, and re-testing. This type of approach correlates to "real-world" life engineering scenarios versus the "cookbook" approach. To read Elizabeth Gerber's article in U.S. News check out the following link.