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Partner with First Fidelity
Licensed in most states and offering a full product suite including Conventional, Jumbo, FHA, VA and Heloc's.
Superior integrated pricing and loan origination system including cloud based technologies.
Professionalism, operational efficiency and highly lucrative compensation structures.
First Fidelity has served as an investor and trusted strategic advisor to the mortgage banking industry. Its principals have served as CEO's and on Boards of Directors. First Fidelity is actively engaged in a variety of mandates for banking clients.
Richard J. Arbogast
Richard J. Arbogast is a Managing Director of First Fidelity. Previously, Richard served as the CEO of Chapel Mortgage Company and its predecessor affiliate for 23 years originating and servicing billions annually. Chapel Mortgage created several affiliates the largest of which was sold to Deutsche Bank. Mr. Arbogast has served on the Advisory Boards of Chase Bank, Countrywide Home Loans, Chemical Bank, Washington Mutual and New Century Mortgage.
Joseph H. Smalley
Joseph Smalley is a Senior Vice President of First Fidelity. Previously, Joseph was the national sales manager for 13 years for Gateway Funding in Horsham, PA responsible for $2 to $3 billion in annual closed loan volume. Mr. Smalley managed a sales force of over 500 loan officers and branch managers in 70 offices nationwide. Joseph actively recruited new managers and loan officers nationally and managed product development and training.


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False pretenses
From LawGuru Wiki
Template:CrimLaw False pretenses or obtaining property by false pretenses<ref>The use of the word "pretenses" here is perhaps slightly confusing to a modern reader since "pretense", in the modern sense of the word, is the conscious creation of fiction, but in the former sense of the word, as it was borrowed from the French language, it simply meant "claim" or sometimes "belief". See also Pretender for another case of confusion on this point. In certain other cases, the distinction between the two definitions affects the meaning only slightly, as in "John pretends to a great knowledge of world history", which to the speaker clearly refers to something untrue, but more in the nature of wishful thinking on the part of John himself than a lie as St Augustine would define it (requiring the liar to be conscious of the untruth).</ref> is a common law crime in the United States, where its statutory forms handle situations not covered by the definition of larceny. In English law, these are deception offences defined in the Theft Act 1968 and Theft Act 1978.
[edit] The law in the United States
This offence consists of (1) obtaining title (2) to personal property of another (3) by an intentional false statement of past or existing fact (4) with intent to defraud the other.
Under common law, false pretense is defined as a representation of a present or past fact, which the thief knows to be false, and which he intends will and does cause the victim to pass title of his property. That is, false pretense is the acquisition of title from a victim by fraud or misrepresentation of a material past or present fact.
Note that it is essential that the victim of the false pretenses must actually be deceived by the misrepresentation, and the fact that the victim is deceived must be a major (if not the only) factor of the victim granting title to the defendant. Simply making a false promise or statement is not sufficient.
The misrepresentation has to be affirmative. A failure to disclose a fact does not fit this misrepresentation in common law, unless there is a fiduciary duty between the thief and victim. Courts have also held that the representation be of a present or past fact. The policy here is that to rely on a future fact is more foolish. People who deceive using present facts are more dangerous than those who deceive by false promises. At trial, the prosecution must show not only that the misrepresentation was false, but that the thief knew of the falsity. Additionally, the thief must intend to defraud. Moreover, opinion and puffing are not considered misrepresentation as they color the facts but do not misrepresent them.
Additionally, title must pass between parties. So, deceiving a third party to pass property for a specific purpose, courts have held that this is larceny by trick in that larceny by trick simply uses a deception to deprive the owner of possession, not title.
False pretences as a concept in the criminal law is no longer used in English law. It used to refer to the means whereby the defendant obtained any chattel, money or valuable security from any other person with intent to defraud. It used to be an indictable misdemeanour under the Larceny Act 1861 as amended by the Larceny Act 1916. The modern concept is a deception and it is used as the common basis of the actus reus (the Latin for "guilty act") in the deception offences under the Theft Act 1968 and in the Theft Act 1978.
[edit] History
The broad distinction between this offence and larceny is that in the former the owner intends to part with his property, in the latter he does not. This offence dates as a statutory crime practically from 1756. At common law the only remedy originally available for an owner who had been deprived of his goods by fraud was an indictment for the crime of cheating, or a civil action for deceit. These remedies were insufficient to cover all cases where money or other properties had been obtained by false pretences, and the offence was first partially created by a statute of Henry VIII (1541), which enacted that if any person should falsely and deceitfully obtain any money, goods, &c., by means of any false token or counterfeit letter made in any other man's name, the offender should suffer any punishment other than death, at the discretion of the judge. The scope of the offence was enlarged to include practically all false pretences by the act of 1756, the provisions of which were embodied in the Larceny Act 1861.
The principal points to notice are that the pretence must be a false pretence of some existing fact, made for the purpose of inducing the prosecutor to part with his property (e.g. it was held not to be a false pretence to promise to pay for goods on delivery), and it may be by either words or conduct. The property, too, must have been actually obtained by the false pretence. The owner must be induced by the pretence to make over the absolute and immediate ownership of the goods, otherwise it is larceny by means of a trick. It is not always easy, however, to draw a distinction between the various classes of offences. In the case where a man goes into a restaurant and orders a meal, and, after consuming it, says that he has no means of paying for it, it was usual to convict for obtaining food by false pretences. But ??. v. Jones, 1898, L.R. I Q.B. ff9 decided that it is neither larceny nor false pretences, but an offence under the Debtors Act 1869, of obtaining credit by fraud.
[edit] United States
United States statutes on this subject are mainly copied from the English statutes, and the courts there in a general way follow the English interpretations. The statutes of each state must be consulted. There is no Federal statute, though there are Federal laws providing penalties for false personation of the lawful owner of public stocks, &c., or of persons entitled to pensions, prize money, &c. (U.S. Rev. Stats. 5435), or the false making of any order purporting to be a money order (Id. 5463).
[edit] Arizona
In Arizona, obtaining money or property by falsely personating another is punishable as for larceny (Penal Code, 1901, 479). Obtaining credit by false pretences as to wealth and mercantile character is punishable by six months imprisonment and a fine not exceeding three times the value of the money or property obtained (id. 481).
[edit] Illinois
In Illinois, whoever by any false representation or writing signed by him, of his own respectability, wealth or mercantile correspondence or connections, obtain; credit and thereby defrauds any person of money, goods, chattels or any valuable thing, or who procures another to make a false report of his honesty, wealth, &c., shall return the money, goods, &c., and be fined and imprisoned for a term not exceeding one year (Crim. Code, 1903, ch. xxxviii. ~ 96, 97). Obtaining money or property by bogus cheques, the confidence game (Dorr v. People, 1907, 228, Ill. 216), or three card monte, sleight of hand, fortune-telling, &c., is punishable by imprisonment for from one to ten years (Id. ~ 98, 100). Obtaining goods from warehouse, mill or wharf by fraudulent receipt wrongly stating amount of goods deposited by imprisonment for not less than one nor more than ten years (Id. 124). Fraudulent use of railroad passes is a misdemeanour (Id. 12 5a).
[edit] Massachusetts
In Massachusetts it is simple larceny to obtain by false pretences the money or personal chattel of another (Rev. Laws, 1902, ch. ccviii. 26). Obtaining by a false pretence with intent to defraud the signature of a person to a written instrument, the false making whereof would be forgery, is punishable by imprisonment in a state prison or by fine (Id. 27).
[edit] New York
In New York, obtaining property by false pretences, felonious breach of trust and embezzlement are included in the term larceny (Penal Code, 528; Paul v. Dumar, 106 N.Y. 508; People v. Tattlekan, 2907, 104 N.Y. Suppl. 805), but the methods of proof required to establish each crime remain as before the code. Obtaining lodging and food on credit at hotel or lodging house with intent to defraud is a misdemeanour (Pen. Code, 382). Purchase of property by false pretences as to persons means or ability to pay is not criminal when in writing signed by the party to be charged (Pen. Code, 544).
[edit] References
- <references/>
- Template:1911

subset: commoncrawl


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Bill (son of God)
From Uncyclopedia, the content-free encyclopedia
Before God created the earth, he had an extra-marital affair with a fairly promiscuous angel. The result was an illegitimate demi-god, which God decided to name Bill, a name He deemed "So generic, no one would remember it." Bill is best known for the creation of the platypus, snow, the brightness of the sun, and body odor. Bill may have a mild case of autism.
edit Bill and Creation
After God was done creating the world, He decided to take a break, and go play some checkers with Himself. In all of His infinite wisdom, God left Bill in charge, telling him to "not make a mess." Bill, being an art student and only capable of creating bullshit, set to work.
God, much to His own dismay, accidentally wound up in a paradox while playing checkers. Because He was infinitely good at Checkers, He could not beat himself, and thus was stuck. After a few million years transpired, He eventually escaped the paradox by creating Quantum Physics. When He arrived back at the Earth, God found Bill playing shuffle board with the sub-continent of India. God asked Bill what he had been up to in His absence.
Bill reached deep into his pocket and pulled out a handful of snow. God looked at this white lump of wet and cold and asked, "What is this nonsense?"
"It's called Snow, Dad, and it falls from the sky!" Bill responded innocently.
"Who the Hell would want that?" God asked, simultaneously (and accidentally) creating Hell. "Now what else have you made?"
Bill reached down into his other pocket and pulled out a deformed looking animal with fur, webbed feet, and a duck bill. "What is this?" God asked.
"It's called a platypus! It lays eggs, Dad!" Bill stated, very proud of himself.
"What sense does that make! It's a Mammal for My sake!"
God looked up into the sky, and realized that the warm, loving sun He had created, was much brighter than he remembered it. "Bill, what happened to the Sun?" God asked.
"The fly-traps were complaining that they were cold." Bill responded, but God wasn't listening. Instead, he was staring at the dried out carcasses of one horned horses.
"Bill, you made the sun too bright, and you killed my Unicorns!" God began to cry. His salty tears pooled together and became the Great Salt Lake.
edit God gives Bill a second chance
God, being the tolerant fellow that he is, settled merely for giving Bill a spanking for his misbehavior, and made Bill promise not to screw around with the world anymore. Shortly afterwards, Bill's more famous brother Jesus was born. Bill became very jealous of Jesus for all the attention God was giving him. He wanted to do something to make his father notice him. So, he distracted God by giving Him an unsolvable rubix cube, and went to work. When God figured out three seconds later that his son had given him a fake rubix cube, he rushed back to Earth, but it was too late. He noticed a change immediately.
"What have you done now, Bill?" said God furiously, "what is that awful stench?"
"It's the new thing I've invented," responded Bill, "it's called body odor! Isn't that exciting?"
"WHAT?!?" shouted God, "I wanted the people I created to smell like cranberries! This is a total outrage!"
edit Exile and escape
God sent Bill to Limbo, to wait out Eternity as a punishment for making human beings smell horribly. Unfortunately, thanks to the Catholic Church, Limbo was dissolved in 1963, and Bill was free again. Since then, he has been the source of many of the planet's shortcomings, including body odor, emo kids, and ingrown toenails. He has created all of these things for his own amusement. God has taken responsibility for his son's misbehavior, saying "I should have spent more quality time with him. Then he wouldn't have turned out to be such a spoiled brat." God has reportedly gone on a mission to hunt down his illegitimate son, but this has not been easy. Bill is a master of disguise. He is reportedly trying to reserve a position in the apocalyptic battle at the end of the world, and if he wins the battle, Earth will be turned into a giant country club/casino hotel.
edit The Church Of Bill
Founded by Andy Timbull, First Pope of Bill, in 1879 as a scam to profit from the gold rush, The Church of Bill has ever been a haven for the boring, the mildly annoying, and the jerk. Many insipid and dull people have flocked together to worship Bill as their divine patron, having been obviously ignored by God, who has many other beautiful and interesting people to occupy himself with instead. The Church of Bill mirrors the Roman Catholic Church almost exactly, save a few subtle differences. For example, the Church of Bill uses the Roman Catholic bible for it's masses, but the priest reading it's passages will roll his eyes constantly and occasionally raises his eyebrow while using a mocking falsetto, or simply be unable to read for a bout of hysterical laughter lasting almost ten minutes. Also, the traditional Eucharist of bread and wine is replaced with a small potluck brunch, often including gelatin desert with other foods suspended inside of it.
In his last papal bull, Pope Leo XIII described the Church of Bill as, "a menagerie of fags," which is now the common term used amongst Vatican officials when speaking of the Church of Bill, and any zoo which displays a variety of homosexuals. The latter definition, being rather rare, takes a back seat.


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Position: Principal InvestigatorSite: MaRS Centre, TorontoDepartment: InformaticsReports To: Director, Informatics Salary: Commensurate with level of experienceHours: 35 Hrs/ WeekStatus: Full-Time, Permanent
The Ontario Institute for Cancer Research (OICR) is seeking a Principal Investigator (PI) in Informatics to undertake world-class computational research. We seek to strengthen and complement our existing expertise in cancer genomics, machine-learning, analysis of next-generation sequencing, knowledge-bases and pathway/network analysis. We welcome applications from computational biologists of all types, but a career focus on cancer research is critical going forward.
The PI will be expected to mentor trainees, and to build collaborations both within and outside the OICR community. In addition to base funds provided by the Institute to support the PI's salary and personnel, the PI is expected to raise additional research funds from external competitive granting agencies. The OICR will assist the PI in obtaining faculty appointments at the University of Toronto or another affiliated academic institution.
OICR's IBC Program is the home of the ICGC Data Coordination Centre, leads analysis for two ICGC projects (PanCuRx and CPC-GENE), the Ontario Health Study and numerous other large-scale studies. It is the home of multiple international projects (e.g. Reactome, ICGC-TCGA DREAM Somatic Mutation Calling Challenge) and provides a robust intellectual environment for computational biology. A ~10,000-CPU institutional cluster is available to support analysis by the Program.
Please attach the following to your application:
OICR is an innovative cancer research institute located in the MaRS Centre in the Discovery District in downtown Toronto. OICR is addressing significant challenges in cancer research with multi-disciplinary, multi-institutional teams. New discoveries to prevent, detect and treat cancer will be moved from the bench to practical applications in patients. The OICR team is growing quickly. We are innovative, dedicated professionals who bring expertise to each of our roles. We are looking for individuals interested in being part of a culture of excellence that will result in Ontario being recognized internationally as a leading jurisdiction for cancer research.
Launched in December 2005, OICR is an independent institute funded by the Government of Ontario through the Ministry of Research and Innovation.
For more information about OICR, please visit the website at www.oicr.on.ca.
This job posting is part of an ongoing recruitment initiative, resumes will be reviewed on a continuous basis.
OICR is an inclusive employer dedicated to building a diverse workforce. We encourage applications from all qualified candidates and will accommodate applicants' needs throughout all stages of the recruitment and selection process. Please advise the Recruiter to ensure your accessibility needs are accommodated throughout this process. Information received relating to accommodation will be addressed confidentially.
The Ontario Institute for Cancer Research thanks all applicants. However, only those under consideration will be contacted. Candidates will be expected to provide their current employer as a reference.
Resume Format: If you elect to apply, you will need a text or HTML version of your resume so that you can cut and paste it into the application box provided. Before you submit the completed application, you will be asked to attach one or two files to your application. Please attach your resume as a .doc file.


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Hans Ruck wrote:
> New on M0n0wall, and very much interested. I ran into a troublesome
> installation issue.
> After installation of 1.2b7 on a PC-Engines WRAP 2.C (1 NIC) I tried
> to install 2 WiFi cards. However one of the WiFi Cards is always
> assigned as WAN. I can install the second Radio as OPT1, but I still
> fail to install the second radio as WiFi card.
> How can I disable the WAN interface of reassign the WAN as a true
> OPT, so I can install the second radio ?
AFAIK, the first interface detected will always be the LAN, second
interface detected will always be the WAN, etc.
Maybe some more detail on what you are tiring to accomplish...
James W. McKeand


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Search by
Toddler Workshop
This event has already taken place. Click here for the latest events.02-06-2014 12:00:00 02-06-2014 12:00:00 America/New_York Toddler Workshop | 12pm Jill will help young artists design unique Father's day or seasonal gifts. Kids can pick from mugs, plates, flower pots, and more. Pieces can be taken home that day or left for glazing. Fee includes instruction. Pre-registration is requested. Workshops will be held each Monday and Tuesday. http://www.nymetroparents.com/2015neweventinfo.cfm?id=161674 Jill's Ceramics Jill's Ceramics
If you go: Please tell them you saw this event on
Venue Description:


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Uma Thurman: Costume Institute Gala Cutie
Posted Tuesday May 7, 2013 5:22 PM GMT
Looking forward to a star-studded affair, Uma Thurman headed over to the Metropolitan Museum of Art in New York City last night (May 6).
The "Pulp Fiction" actress schmoozed with Zac Posen and donned one of his designs for the 2013 Costume Institute Gala "PUNK: Chaos to Couture."
Over the weekend, Uma treated her daughter Maya Ray to some primo seats at Justin Timberlake's New York City concert.
An onlooker told press, "[Uma] was freaking out, singing and dancing with Maya and having so much fun with her. They were having so much fun."
Enjoy the pictures of Uma Thurman at the 2013 Costume Institute Gala at The Metropolitan Museum of Art in NYC (May 6).
Photo Credit: Getty Images
filed under Costume Institute Gala 2013, Uma Thurman


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3 Min Read
NEW YORK (Billboard) - When the members of Irish rock troupe Bell X1 run out of time to chat with press, fans and industry folks during their short American visits, they just invite everyone to join them for a pint at a local Irish pub. There, the band is truly in its element -- at a bar that spins Bell X1 tracks on the jukebox.
Bell X1 has been ordering pints in this fashion a lot more frequently in advance of the February 19 U.S. release of "Flock" via Yep Roc.
The album is Bell X1's first to be made available in the States, but by no means the first impression the band has left here. Two songs were featured on "The OC" in 2005, including "Eve, the Apple of My Eye," which played during a much-hullabalooed lesbian kiss scene and also appeared on the compilation "The OC Mix 4." The group also toured the States in support of former bandmate and fellow Irishman Damien Rice.
"We've reached a tipping point with America," frontman Paul Noonan says. "We live in an online era where music is devalued, so doing shows and making the live experience more special is the place for us to win over new crowds." The group is planning a three-week North American tour that loops through a sold-out St. Patrick's Day show at New York's Bowery Ballroom, plus markets where it has never played previously, including Boston; Seattle; Washington, D.C.; Chicago; and Portland, Ore.
An in-demand live show has fuelled the band back home. There, Bell X1 is behind only U2 when it comes to audience draw. (Though the gap is substantial -- U2's last gig in Ireland was in 2005 at the 82,000-capacity Croke Park; Bell X1's biggest was at the 10,000-capacity Malahide Castle.)
Originally named Juniper with Rice as frontman, Bell X1 placed former drummer Noonan in front of the mic and rechristened itself in 1999. Thereafter, the group toured Ireland relentlessly and released three albums through Island/Universal: 2000's "Neither Am I," 2003's "Music in Mouth" and 2005's "Flock." (Bell X1 has since fulfilled its contract with the label and is now independent in Ireland.)
"Flock" went five-times platinum in Ireland and has sold around 70,000 copies there, but when it was released in the United Kingdom in 2006, the reaction was less enthusiastic. Lead single "Flame" topped out at No. 65 on the U.K. singles chart, while the album has shifted slightly less than 7,000 units.
"Breaking in the U.K. was like working a new landscape. There's fickleness in the U.K. They don't respect you if you're a flash in the pan but might not know who you are if you weren't on the front cover of NME," Noonan says. "Irish acts have had a harder time in the U.K. because we're Irish."
But the band remains optimistic for its American debut. "Just the scale of the country is our biggest battle. It's not a fickle place. We've been given the chance to play great shows, now we just need to play a lot of them."


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DIRECTV's TV Service is Recommended by CableTV.com
Do you need help finding cable companies or other subscription television services available in your area and understanding how they differ? According to independent consumer surveys, the best TV service provider out of all the satellite TV and cable companies in Salem, SD is DIRECTV.
Major networks are typically available nationwide, but smaller channels may only be offered with select TV packages in Salem. That makes comparing channels and packages just as important as evaluating cost when you're looking for the best cable company in Salem, SD. Let's say that you want to invite friends over to watch the latest or Denver Broncos game—depending on your area, you may need a premier package with extra channels in order to get the coverage you're after. We provide information on channels, extra features, and prices for all the highest rated providers in Salem, so you can be sure you're getting the service that you want at a price you can afford.
CableTV.com can help you find the cable company in Salem, SD that satisfies your needs. Our ratings not only include information on pricing and packages, but also reveal which TV providers have the most reliable service and the fastest, friendliest customer support.


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What did you want to be when you grew up? In our special Women in Business section, you'll read about some St. Louis women who dreamed big and worked hard to turn their vision into reality. Their path to success serve as an inspiration to others who may be seeking their calling—either as a fledgling employee or someone who is embarking on a second career.
In the case of Build-A-Bear's Maxine Clark, her multi-billion-dollar enterprise grew out of a longing for a beloved stuffed bear she had as a child. Of course, success didn't materialize overnight, as Ms. Clark took some detours on her way to being 'Chief Executive Bear.' But don't the best success stories start out that way? And it proves once and for all how important it is to find your focus—your heart—and couple it with ingenuity and resolve to make things happen.


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Hayley has spent a day in the Vatican City - it's a state in Rome, in Italy, and it's where the Pope lives.
This is St Peter's Square in the centre of the Vatican City. Lots of people from all over the world come here to visit the Pope and hear his advice.
Hayley grabbed a rooftop view of the square, which is surrounded by columns and statues.
The top of St Peter's Square has 140 statues of Catholic saints.
There's also a huge church called St. Peter's Basilica in the square.


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Hello Kudu Jenkins, I'd like you to reexamine a change. Please visit
http://gerrit.cloudera.org:8080/5294 to look at the new patch set (#6). Change subject: KUDU-798 (part 3) Make replica transactions start/abort on the consensus thread ...................................................................... KUDU-798 (part 3) Make replica transactions start/abort on the consensus thread In order for a consensus replica to safely move "safe" time, it needs to know that all transactions that come before it have at least started. One way to do this is to call transaction_->Start() on transaction_driver_->Init() which we know is called by the thread updating consensus, for non-leader transctions. This should be ok as the leader has already correctly serialized the transactions. However, if transactions are now started on Init() then, in the case they abort (i.e. when transaction_driver_->ReplicationFinished() is called with a non-ok status, again done by the thread updating consensus), we now must make sure that the transaction is actually removed from mvcc before that method returns. Otherwise consensus might call Start() on another transaction with the same timestamp before the failed transaction is removed from mvcc. To do this, this patch adds a latch to make sure that, if replication failed, the prepare phase has completed before returning from ReplicationFinished(). Finally this patch adds a couple of statements to increase the driver's refcount so that it survives until the latch may be called. Change-Id: Ie360e597eea86551c453717d7a1a000848027f4c --- M src/kudu/tablet/transactions/transaction_driver.cc M src/kudu/tablet/transactions/transaction_driver.h 2 files changed, 58 insertions(+), 26 deletions(-) git pull ssh://gerrit.cloudera.org:29418/kudu refs/changes/94/5294/6 -- To view, visit http://gerrit.cloudera.org:8080/5294 To unsubscribe, visit http://gerrit.cloudera.org:8080/settings Gerrit-MessageType: newpatchset Gerrit-Change-Id: Ie360e597eea86551c453717d7a1a000848027f4c Gerrit-PatchSet: 6 Gerrit-Project: kudu Gerrit-Branch: master Gerrit-Owner: David Ribeiro Alves <dral...@apache.org> Gerrit-Reviewer: Alexey Serbin <aser...@cloudera.com> Gerrit-Reviewer: David Ribeiro Alves <dral...@apache.org> Gerrit-Reviewer: Kudu Jenkins Gerrit-Reviewer: Mike Percy <mpe...@apache.org> Gerrit-Reviewer: Todd Lipcon <t...@apache.org>


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Orange and Leaf Eisen im Wald What have you done? Black - White and Colored Dots Mind the Gap - Red White Black and Blue me with wooden Stripes Stripes Stripes and Stripes The Yellows the Reds Black and White: CAT ICE and the blues Needles and PINs Red Brick Seagulls and the Mountains Watching the Snow Watching the Snow White Wood... ...in the Sun Subway Sun Set Balloons happy together Black and White - Stripes and Dots Draußen ist es grau - It is grey outside Creme de Cocoa Blue Tear Drops (x) Dots - Lochblech 2 Dots - Lochblech Screwed Yellow Frozen Bond Ein kalter klarer Wintermorgen Ein kalter klarer Wintermorgen Ein kalter klarer Wintermorgen Ein kalter klarer Wintermorgen On a cold clear Winter Morning Horse Eye View Red Hot and Blue Life is so fast Henninger geh Du voran Colors of Fall Colors of Fall Cat's Eye Hay Hlg. Maria Laughing Jesus Take a Seat, pls.
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Eligibility Criteria:
1. Currently enrolled in a Nursing program (LPN, ADN, BSN, MSN, Ph.D.)
2. Maintain a 2.0 GPA for undergraduate and a 3.0 GPA for graduate students.
3. Willingness to be a active working member of the RKWC ~ NBNA
4. Be of African-American descent
To apply, please complete the attached application form and send it directly to the NBNA, and not MSOE.
Best of luck to those who apply!


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Father: Harrison LONG b: MAR 1851 in District #51 1/2, Rockbridge, Virginia
Mother: Lucy M. COOPER b: 1848 in Dist. #51 1/2, Rockbridge, Virginia
Marriage 1 LELA b: ABT 1887 in Virginia
RootsWeb.com, Inc. is NOT responsible for the content of the GEDCOMs uploaded through the WorldConnect Program. If you have a problem with a particular entry, please contact the submitter of said entry. You have full control over your GEDCOM. You can change or remove it at any time.


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The Bold & Beautiful at The Dolls House
Visited Feb 2011
I initally went to The Dolls House after puchasing a voucher online for beauty treatments, i was very pleased with both my treatment and therapist. They had a special offer on for the brazillian blowdrys so i booked in and am very impressed with the service i recieved, i got a free follow up blowdry and felt very welcome in the salon, i would definatley recommend to friends and family.
Thank You to The Dolls
Emily x
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Connection to Business Community
The McColl School of Business is committed to being an educational resource and a community asset. We are proud of the connection we have with the Charlotte business community and pursue very intentional strategies to both draw from and serve that community. We enjoy a high level of support from organizations in Charlotte and the surrounding region. These connections also are important resources for our students as they develop their professional skills, their leadership abilities and as they consider career decisions.
Board of Advisors: The McColl School has a high profile and engaged Board of Advisors that provides support and counsel for its activities.
Entrepreneurial Leadership Circle (ELC): The ELC is a group of entrepreneurs who have embraced the McColl School of Business and are a vital link between the school and the resources of Charlotte's entrepreneurial community. Two members of the ELC also serve as Entrepreneurs in Residence providing our students ready access to this important segment of the Charlotte community. Entrepreneurs in Residence also serve as resources for those students who are currently in small business or who are considering careers as entrepreneurs.
Executives in Residence: McColl School Executives-In-Residence are executives who have established reputations as effective leaders, have substantial experience to share and are willing to share that experience with our students. Leadership students meet with each executive in small discussion groups. In addition, these executives are available for one-on-one meetings as requested by the students.
Leaders-in-Action: The BB&T Distinguished Leaders in Action Speaker Series brings to campus organization leaders from a wide-range of for-profit and not-for-profit entities who share their perspectives on leadership, character, and commitment to community.
Coaching Program: The McColl School is associated with approximately 60 coaches who work with our students on a pro-bono basis. Each leadership student is required to spend 4-6 months meeting with one of these professional coaches. These coaches include executives and professional coaches who volunteer their time to work with our students.
The CEO Forum: Members of The CEO Forum include CEO's from a broad spectrum of companies in the Charlotte region. They come to the McColl School several times each year for discussions led by our faculty and other respected experts. The CEO Forum is a key way that the McColl School stays connected to the real world application of business and leadership in order to offer the most relevant learning experience to our students.
The Learning Society: Founded in 1988, The Learning Society provides the Queens' campus and Charlotte community with the opportunity to interact with experts on important contemporary issues and topics. The Learning Society is comprised of leaders in the Charlotte area who provide the funding for a national speaker series held annually at Queens. View past speakers.
Leadership Forum: An integral part of the EMBA program is the Leadership Forum speaker series. Each week prominent executives interact with participants to share their perspectives on leadership, success and what it takes to make a difference in today's world.


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Congressman Maurice Hinchey (D-NY) today voted to maintain the health care law that was recently ruled constitutional by the U.S. Supreme Court in order to ensure that millions of Americans will be able to keep or gain access to quality health insurance coverage, seniors will face lower prescription drug costs, and children can stay on their parents' plans until they're 26 years old. For the 33rd time in the past two years, House Republicans voted to repeal or defund the Affordable Care Act, seeking to take away critical protections for millions of Americans that the health insurance industry opposes. Hinchey, who strongly supported and helped pass the health care law in 2010, voted against the Republican effort to repeal the measure today.
"House Republicans are obsessed with repealing the health care law to the point that they keep voting to repeal it over and over again instead of bringing up substantive legislation to help grow our economy and create jobs. They are like a broken record," Hinchey said. "The lack of ideas from House Republicans on how to foster a well-educated workforce, strengthen small businesses, and create jobs is so glaring that they are forced to just keep talking about health care even though it's been more than two years since it became law. At this point, it's quite clear that the sky isn't falling because we passed health care reform. On the contrary, we're seeing major improvements because of the new law. It's time to move on and work on legislation that will actually provide real benefits to the American people, not strip away benefits and protections as House Republicans have sought to do with this repeal measure."
Across the country, the Affordable Care Act is improving and enhancing the health of America's families and workers. Medical decisions are now in the hands of patients and doctors, not insurance company bureaucrats. The worst abuses of insurance companies have come to an end and more Americans have access to quality, affordable health coverage. In 2014, each state will open up a health insurance exchange from which Americans will be able to choose from a menu of different insurance options that will have contained costs along with a basic set of requirements that will ensure a basic level of comprehensive coverage.
Over the past two years, Americans have already seen the positive impact of new patient protections from the health care law as:
Up to 17 million children are no longer denied coverage because of a pre-existing condition.6.6 million young people have obtained insurance through their parents' plans.5.3 million seniors have already saved $3.7 billion on prescription drugs.105 million Americans no longer face lifetime limits on their insurance coverage.
"House Republicans refuse to even offer an alternative plan for health care reform. They are focused on stripping away all of the protections we recently put in place and don't have any clue as to what they would do next. What they are doing is nothing more than a vote to protect the health insurance industry and maintain the steady flow of campaign contributions that have corrupted the system."
Source: http://hinchey.house.gov/index.php?option=com_content&task=view&id=1869&Itemid=73


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With one day left before kickoff, no headliner had been chosen.
Fighting off a boycott and scrambling for a headliner, the biggest annual conservative gathering takes place this week.
He was the headliner at the hotel that evening, and allegedly offered her a ticket to his show.
The company also co-sponsored a concert with 2Chainz as headliner and partnered with UniversityPrimetime.com.
For Presley's concert comeback in Vegas in 1969, he created a groundbreaking production with himself as headliner rock star.
Eight meetings announced him as headliner, with Cooper Union as the climax.
They called Eric from private life to be headliner in their vaudeville.
The chills were running up and down my spine in our cold apartment, but this headliner froze me stiff.
He was only nineteen when he joined the club and was a headliner from the start.
Why must the headliner always be a talking or a singing person who tells you how much money he needs, or how much she is getting?
The main or chief performer; main attraction: She was the headliner last week at the Seven Seas (1896+ Show business)


text:
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All Site Contents ©2015, House of Antique Hardware, Inc. Antique-By-Hand® is a registered trademark of House of Antique Hardware, Inc.


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Hands On - Need for Speed: Most Wanted
Mark O'Beirne
12 October, 2012
Hitting the open road.
Criterion Games
has spoken at length about changing conventions and doing something different with
Need for Speed: Most Wanted
. As a result, there is something a little more meaningful and deliberate about the opening cinematic when Muse's Matthew Bellamy croons "change everything you know."
The first, and most notable difference, from what we have come to expect from driving games is that Need for Speed: Most Wanted is an open world game with an open approach. Players can drive anywhere and over 100 cars are available from the very beginning. They just have to be found first. Jackspots are dotted around the city of Fairhaven and can be identified easily as the car has the manufacturer's badge above it. Once found, the vehicle can be jumped into immediately or can be accessed at any time from the Easy Drive menu. This menu can be utilised to access Autolog recommendations and challenges, select races to compete in, customise the mods on a car, or jump to a new vehicle altogether. Criterion took this approach to shake things up and ensure that players would have different experiences within the first hour or two. From sideways glances over the course of the preview event, that certainly seems to have worked. Players were dotted all over the city in a variety of vehicles and occupied themselves in different ways.
Unlike the original Most Wanted, released in 2005, there is no storyline to go with the on-road action. There is a list of the ten most wanted cars, which are the only ones that players do not have immediate access to, and players must earn the right to compete for these cars. Players do so by earning Speed Points, which can be gained in a variety of ways. Racing is one way to build up Speed Points naturally, but there are also speed cameras to blaze past, billboards to smash through, police to antagonise and so on. Criterion has ensured that practically everything you do in game will earn you Speed Points. After earning the right to challenge a Most Wanted car, there is a showdown as we are used to seeing. However, victory alone is not enough as the Most Wanted play by their own rules. To take their cars, players must shut them down after the race. Only then can they ensure that they stand alone as the Most Wanted in Fairhaven City.
Despite the extra distractions, racing is the focal point of Need for Speed: Most Wanted. Criterion has ensured that it made use of the large open world with a selection of races that take place across the city and on a variety of surfaces. The AI is no slouch and will use every trick in the book to win. Opponents are perfectly happy to send players fishtailing out of control when the time is right. Straightforward races are a challenge in themselves as a result, but the real fun begins when the cops get involved. There are six different heat levels, which alter how many police are sent out to put an end to street races and how determined they are to do their duty. Roadblocks and spikestrips are an alarming prospect at the best of times, but even more so when some of the cops attempt to stop players at all costs. There are times when this attitude works to their detriment as seen after a police car hit a ramp, slammed through a billboard and went spiralling down the street and into a wall. Sometimes you just have to admire their tenacity.
Racing is one part skill and one part setup. The setup part is relatively easy; choose the right car for the right conditions and attach the right mods. You don't need to be a petrolhead as each alteration is shown as a simple bar graph comparing the current choice against the considered alternative. If you're particularly adept at using the Easy Drive system, you can change mods mid-race with a few presses of the D-pad. However, this is a skill in itself. Most of my own experiences saw me careening off track, missing checkpoints or watching a cinematic thanks to a nasty collision with oncoming traffic. The more straightforward option is to choose the right car for the event in question. Bear in mind we say, "More straightforward." There are over 100 cars to choose between, each with their own strengths and weaknesses. The Ariel Atom might be quick in a straight line, but if you're dodging traffic downtown you may want to select something less brittle. Alternatively, the Ford F-150 Raptor handles like a mule when it hits the city streets, but set it free on mud tracks and dirt and it races like a prized stallion.
Competition against friends has been placed at the heart of the Most Wanted experience. Autolog makes a return to Need for Speed, but Criterion has labelled it Autolog 2 as it has been significantly upgraded. Rather than just comparing race times, players will be able to compare their progress against friends, see how many cars they have found, see their speed past cameras and compete for ownership of billboards based on how far through them they jumped. This is stepped up even further when players investigate their own progress. This can be compared against any friend and showcases who is leading the charge under a variety of categories including events played, cars found, security gates smashed, time played and overall completion among many others. With the implementation of Autolog 2, completion is designed to be just the starting point. Everything else on offer is meant to be the source of real competition amongst friends.
There is a more traditional multiplayer offering, but it is quite different to what we know at the same time. Players can host lobbies against friends and setup Speed Lists, which consist of five events. These can feature quick tests of skill such as jumping the furthest, straightforward races, team races or challenges. The challenges are an unusual prospect as they require players to work as a team towards an objective, such as a cumulative distance drifted, but players are competing to be the MVP at the same time. Strategy comes into play as the objective milestone comes into play; do players simply play their role and rack up the distance or do they try to knock one of their rivals off their stride in order to overtake them and pick up the extra points? Criterion has labelled this as "co-opetition" and it is easy to see why.
So far, the multiplayer offering doesn't sound that unusual. However, players do not spend time in menus or in a lobby. Each player can drive around the city at their leisure between events and can do any of the extra activities that they would ordinarily do. However, once an event is posted players are challenged to be the first to the meet up point. As you would expect, being first earns additional Speed Points. Playing and winning increases your Speed Level, which earns players access to additional cars and mods. However, Speed Points also carry over into your single player progression so you could find yourself coming back to the single player with a few more Most Wanted cars to be challenged.
Need for Speed: Most Wanted isn't playing by the traditional driving game rules. The single player campaign is just one side of the game, but the real meat will be in the competition among friends. As bragging rights can be competed for across any statistic in the game, it means that it's no longer a case that the fastest friend will rule the roost. The team at Criterion wants players to be distracted and enjoy all that there is to offer, but they are working against years of convention as they have said themselves.
We will soon see if players adapt to the new approach being taken. Players will be set free and invited to go explore the city of Fairhaven when Need for Speed: Most Wanted is released on October 30th in North America and November 2nd in Europe.
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text:
The Camel community announces the immediate availability of the new patch release Camel 2.13.1. This release contains a total of 74 fixes applied in the past 2 months by the community on the Camel 2.13.x maintenance branch.
The artifacts are published and ready for you to download either from the Apache mirrors or from the Central Maven repository. For more details please take a look at the release notes.
Many thanks to all who made this release possible.
On behalf of the Camel PMC,


text:
Here's a quick and easy way to generate a decent looking PDF from some simple Textile markup, using TextMate.
- First, just type up your content in TextMate, using Textile mode. You'll get syntax highlighting, live spellcheck, all the usual goodies.
- Next, hit the hot key for Preview (Control-Option-Apple-P)
- From this window, just print to PDF.
You can always add images and perhaps some CSS to tart it up a bit if you like.
It's light, it's quick, it's easy, and it's plain text—so you can put it under version control with all the rest of your quick memos, project documentation, and such. Right?


text:
WHAT'S it worth? Find out tonight at an antiques valuation evening and buffet supper up the road in Hartley Wintney in the new St John's Church hall, sponsored by the Friends of St Michael's Hospice!
Bring your granny's cameo, or other family heirlooms, and have them appraised by a Lyon & Turnbull specialist, before settling down to supper and a talk by Judith Miller, of the BBC's Antiques Roadshow.
Tickets are £45, and all profits go to the hospice. For further information and to book a place, call Nicola Franks on 01256 464861. And no, vintage spouses don't count!
THE lilies of the field: May also be the lilies on the altar at Easter, if you contact our verger Gwen Wheeler on 01189 326580. If you would like flowers placed into Rotherwick church (or Mattingley or Heckfield) over Easter in memory of a loved one, let her know asap. Our own Bridget Anderson will do wonders with the arrangements for Rotherwick.


text:
Rioting erupts in Moscow
MOSCOW — Rioters smashed shop windows, stormed a warehouse and clashed with police in a Moscow neighborhood on Sunday in the biggest outbreak of anti-migrant unrest in the Russian capital in three years.
Demonstrators, some chanting racist slogans, vandalized shops and other sites known for employing migrant workers in the southern Biryulyovo area after the killing of a young ethnic Russian widely blamed on a man from the Caucasus.
Several hundred residents had protested peacefully, demanding justice over the killing, until a group of young men began smashing windows in a shopping center and briefly set it on fire. A video posted on YouTube showed them chanting "White Power!" as they forced their way in.
When police in riot gear tried to make arrests, protesters threw glass bottles at them, and police fought back with batons.
Some in the crowd, which grew to several thousand, set off from the shopping center and stormed a vegetable warehouse employing migrants from the Caucasus and Central Asia.
Moscow police said several officers were wounded in the riots, about 380 people were detained, and a criminal case was opened.
Extra police were sent in, but clashes and arrests continued into the night.
Many Muscovites chafe at an influx of migrant laborers to the capital during the past decade.
The Kremlin has watched with alarm at frequent outbreaks of violence in Russian cities between members of the Slavic majority and people with roots in the mostly Muslim North Caucasus, ex-Soviet South Caucasus states and Central Asia.
Some Biryulyovo residents criticized the police for the latest arrests, drawing a contrast with what they said was too much leniency in the treatment of migrants engaged in illegal activity.
"It's simply impossible to live here. There are fights all the time," said local resident Alexander, 23.
The latest protest in Biryulyovo began with demands for more police action over the killing of Yegor Shcherbakov, 25, who authorities said was fatally stabbed while walking home with his girlfriend on Thursday night.


text:
With a market cap of has a large market cap size. Intuit Inc. (NASDAQ: INTU) has been on the stock market since its IPO date on the 3/22/1993. Intuit Inc. is in the Application Software industry and Technology sector. Average volume for Intuit Inc., is 1410.43, and so far today it has a volume of 783300. Performance year to date since the 3/22/1993 is 14.10%.
To help you determine whether Intuit Inc. is undervalued the following values will help you decide. P/E is 35.21 and forward P/E is 22.03. PEG perhaps more useful shows that Intuit Inc. has a value for PEG of 1.96. P/S ratio is 5.96 and the P/B ratio is 24.04. The P/Cash and P/Free cash flow is 25.91 and 49.87 respectively.
At the current price Intuit Inc. is trading at, 109.16 (-0.77% today), Intuit Inc. has a dividend yield of 1.14%, and this is covered by a payout ratio of 31.50%. Earnings per share (EPS) is 3.1, and this is looking to grow in the next year to 13.99% after growing 110.60% this past year. EPS growth quarter over quarter is -175.10%, and 45.60% for sales growth quarter over quarter.
The number of shares outstanding is 256.3, and the number of shares float is 244.39. The senior management bring insider ownership to 0.10%, and institutional ownership is at 87.90%. The float short is 1.04%, with the short ratio at a value of 1.8. Management has seen a return on assets of 22.50%, and also a return on investment of 39.10%.
The ability for Intuit Inc., to deal with debt, means it current ratio is 0.7, and quick ratio is 0.7. Long term debt/equity is 0.42 and total debt/equity is 0.86. In terms of margins, Intuit Inc. has a gross margin of 84.00%, with its operating margin at 26.50%, and Intuit Inc. has a profit margin of 20.90%.
The 52 week high is -6.68%, with 29.04% being its 52 week low. The 20 day simple moving average is -1.72% and the 200 day simple moving average is 5.20%.
Disclaimer: Remember there is a risk to your investment, this is not a recommendation, nor personal advice, never invest more than you are able too loose.


text:
View Larger Image
2006 Hyperlite Phriction 117
A wood/hard durometer EVA version of the Byerly skate. Laminated with 9 layers of Canadian Maple and a foam, Byerly shaped concave top. This non-machined wood concave series comes with a radiused sidewall and out super tacky deck material. A harder edging shape than last year's. Pro model performance on a budget. Designed by Scott Byerly, Brian Grubb, and George Daniels and Parks Bonifay.
Add Your Review
Add Your Review
Reviewer: J C
08/27/2007 12:00am
Piece of junk- foam came off, paint peeled and wood swelled in just a few sessions. Contacted seller and hyperlite and they said it was basically a "disposable" board- wouldn't warranty it even less than a year old. Definitely a bad taste in my mouth now for hyperlites.
Reviewer: john patrick
07/02/2006 12:00am
i had the exact same problem as the other guy, the foam started coming off on my third outting, and the paint was chipping immediately. i glued the foam back on using gorilla glue, it works great. but it expands up so u have to clean out the holes for the fin screws. plus my mom painted it for me. the spray paint she used stays on better than the original paint. quality on this one does suck!
Reviewer: mike hammond
05/09/2006 12:00am
this board was loads of fun that is why I gave it a rating of five on how it rides. however it fell apart after two outings. so for the 180 dollars spent on it I think you should find a board that the paint and foot grips will stay on longer than two rides. cool board. quality sucks.


text:
Your browser does not support iframes.
By Rep. Larry Larrañaga
I'm proud that the House of Representatives recently passed a budget that will not only keep New Mexico on solid financial ground, but also chart a better course for the future of our state.
By Fred Nathan
Health care pricing has been likened to shopping blindfolded in a department store, and then months later receiving an indecipherable statement with a framed box at the bottom that says: pay this amount.
Indeed, here in New Mexico it is easier to find information about the price and quality of a toaster than of a common medical procedure. Because information about price and quality is essential to almost every market transaction, this lack of transparency means that health care is more expensive than it would otherwise be.
By D. Dowd Muska
On Jan. 1, 2005, food bought at New Mexico's grocery stores was excluded from the gross receipts tax. In exchange for the break, the GRT was hiked on all other purchases.
A decade later, it's clear that the tax shift was a mistake.
With several proposals before the legislature to reinstate the GRT on food, it's time for an honest examination of how and why the well-meaning exemption failed.
It might have been around the time of my first prom date — that would have been in the mid-'50s — when we'd been studying early man: Piltdown, Neanderthal, Cro-Magnon. We students at Immaculate Conception School became fascinated by the terms, presented with drawings of what our ancestors might have looked like.
Accordingly, anyone who failed to render a quick and correct answer when called on by Sister Mucha Misa was labelled a Neanderthal, the same way we'd brand our classmates as creeps or nerds, or even Communists.
Regulating oil and gas drilling in the state has taken some interesting turns of late, and very different directions.
Over the past few months, two developments in northern New Mexico occurred that could actually shift the approach local governments take in regulating the industry. The infamous Mora County ban on drilling, via its misguided "community rights" ordinance, was recently struck down as unconstitutional, while next door in San Miguel County, a different kind of ordinance took root in November, to the consternation of the oil and gas industry.
By Joseph W. McCaffrey
For the Optic
I can feel a new spirit of optimism in Las Vegas. This infectious optimism was written about in a recent New Mexico Magazine article by Kate Nelson [New Mexico Magazine, July 2014, 36-42].
What are the sources of this new optimism?
By Nora Espinoza
Recently, the Las Vegas Optic published an opinion from Art Trujillo. I completely disagree with him. We must stop passing students who can't read.
Knowing how to read is one of the most important life skills you could ever learn. When you know how to read, knowledge is at your fingertips and nothing is far from reach.
Unfortunately for New Mexico, too many of our children are unable to read proficiently. Yet, year after year we pass them onto the next grade without blinking an eye.
By John Arthur Smith
New Mexico needs more jobs, and we need them now. That is what we hear from folks in the cafes and diners in Deming and across our state.
It was confirmed in a recent study by the University of New Mexico's Bureau of Business and Economic Research: We are ranked one of the worst in the nation when it comes to economic and job growth – 48th of 50 states. That is a tough situation for families.
Let's say you have a load of wheat that weighs 3,942 pounds. What is it worth at 50 cents per bushel, deducting 1,050 pounds for tare?
Well, before attempting an answer it would be helpful to know what a tare is or where on the planet one can score on wheat that goes for two bushels for a buck.
And here's another question that's a bit more challenging: What is meant by the following: alphabet, phonetic, orthography, etymology and syllabication?
By Tom McDonald
This whole Harper Lee story, about a long-lost manuscript showing up after a lifetime of being a one-book wonder, really has me intrigued.
Turns out that "To Kill A Mockingbird" has a sequel, and while I can't wait to read it, I'm also a bit afraid to. Lee's book about a Southern white lawyer who defends a black man against a rape charge was a masterpiece, and a sequel is seldom as good. I expect, and dread, a bit of a letdown.
Copyright © 2017
The Las Vegas Optic is your source for local news, sports, events, and information in San Miguel County and Las Vegas, NM, and the surrounding area.


text: The Cambridge High School Student Council is scheduled to meet Aug. 28 at 3 p.m. in the high school auditeria. Any CHS student interested in participating is welcome to attend. Students are asked to both bring $2 for pizza and enter through the rear entrance of the building. For more information, contact Pam Givens, 432-3024.


text:
How to Make a Comic/Storyboarding
From Wikibooks, open books for an open world
Storyboarding is used to plan what is going to be in the panels and to help with deciding the layout of a comic. To begin, draw small sketches of key events in your story and put them in order in front of you. Draw more of these frames until you have enough to tell the story.


text: Successfully balancing retail and their very own brand, we've seen more and more co-branded projects emanating from the Scandinavian-based Norse Projects. With Ally Capellino, they create the Fjell Rucksack with a hunting aesthetic brought on by British waxed cotton and bridle leather highlights. As a nod to the contemporary, the inside also includes a laptop compartment. The Norse Projects x Ally Capellino Fjell Rucksack is available now at Norse Store.


text:
Home / apparel / women's apparel /
Women's Apparel
Maidenform Microfiber And Lace Boyshort - 40760
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You will feel fun, flirty, and fabulous in our Maidenform Microfiber and Lace Boyshort!
- Delicate and feminine styling.
- Scalloped lace details.
- Soft fabrication.
- Comfortable all day wear.
- Stretches to move with your body for a flexible fit.
- Low rise style.
- Black and White: Nylon/spandex; all other colors: Polyester/elastane; Gusset Lining: 100% Cotton


text:
Date: January 20 2014
Demand for home loans is at its highest level in four years but consumers appear to be shying away from other forms of debt, faced with the spectre of rising unemployment.
Data from credit information provider Veda found that mortgage inquiries surged 15.3 per cent over 2013 compared with a year earlier although overall credit demand increased by just 0.4 per cent.
Veda's general manager of consumer risk, Angus Luffman, says an extended period of low interest rates is supporting a lift in mortgage inquiries, showing the strongest growth since late 2009.
"It is likely that we will see a continuing increase in the near term, along with sustained house price growth," Mr Luffman said on Tuesday.
In contrast, inquiries for credit cards rose just 2.4 per cent last year, while demand for personal loans fell 1.4 per cent.
Mr Luffman said the December quarter was usually a strong period for credit demand, reflecting increased spending for Christmas.
"The relatively weak outcome in loans and credit cards suggests low interest rates are not leading to a significant lift in consumer borrowing as households remain cautious about rising unemployment," he said.
It is also a reflection of a slowdown in car sales, which barely grew in 2013.
Mr Luffman believes slow credit demand suggests retailers face continuing challenges for big ticket sales.
This material is subject to copyright and any unauthorised use, copying or mirroring is prohibited.
[ The Age | Text-only index]


text: Praise the LORD from the earth, you creatures of the ocean depths. Psalm 148:7 Psalm 148 summons all creation to praise the Lord: heavens, angels, sun, moon, clouds, weather, mountains, trees, animals, and all sorts of human beings. Verse 7 invites "creatures from the ocean depths" to praise God. Now, I realize that this is [Read More…]


text:
Another touch of magic
Page Tools
EARLIER this year Mem Fox celebrated the 21st anniversary of Possum Magic, one of Australia's most loved children's books. Today Fox has something else to celebrate winning her first Children's Book Council of Australia Award for Where is the Green Sheep?Fox, who is on one of her many school trips around rural Australia, said she was over the moon about winning the award in the early-childhood category.
Green Sheep, her 29th book, is illustrated by Judy Horacek.
Michael Bauer won the older-reader category for The Running Man, his story about a young boy and his friendship with a Vietnam War veteran.
Bauer, a high school teacher from Ashgrove, Queensland, said he was amazed at his win. "It was incredible for me to get my first book published, then to be on the shortlist with such great writers, but to win is thrilling a fantastic honour."
Children's Book Council national president Mark Macleod says the book poses challenging questions about war.
Judges said war, including World War II, Vietnam and events in Afghanistan, and its impact on families and individuals was a common theme among entries. Social issues such as bullying, eating disorders, cultural differences and death were also prevalent.
They were concerned that several books that had received warm reviews were not submitted by publishers.
There was also some criticism about the number of grammatical and spelling errors that appeared in books produced by major and minor publishing companies.
Melbourne author Sonya Hartnett won the award for book of the year for younger readers with The Silver Donkey, a fable set during World War I about three children and a soldier desperate to return to his homeland.
Alison Lester won the picture book award for Are We There Yet? A Journey Around Australia.
Married couple Jackie French and Bryan Sullivan won the award for information books with their educational book To the Moon and Back, about Australia's involvement with the space program.
When four boxes of books went missing as the entry deadline was looming, judges had to beg and borrow some titles to make sure they didn't fall behind. Each judge had 365 books to read.
Overall, the judges were "heartened by the general high standard of writing, illustrating and book production that Australian publishers promote through their children's lists".
Get The Age home delivered for as little as $2.70 a week*


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From SPIN:
Last month, in honor of the 20th anniversary of Radiohead's "Creep," SPIN ranked 10 of the enduring single's most clicked cover versions. A week later, we received an e-mail from our No. 3, the so-called "Homeless Mustard," whose stirring rendition for Sirius XM's Opie and Anthony has racked up over 9 million YouTube views since he recorded it on a winter morning in 2009. As it turns out, Daniel Mustard not only has a roof over his head now, but a new EP, Fragments of Bone, which he funded by raising $16,262 on Kickstarter.
Or watch Daniel Mustard's Creep cover here:


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Prices, specials, features and availability subject to change.
Woodbrook Village apartments in East Lansing, Michigan are near Michigan State University and 1 and 2 bedroom apartments for rent. Enjoy amenities including upgraded kitchens, on-site laundry, carports and private or controlled entries. When taking a break from work or study, join one of our planned activities or relax by the pool, grill out in our outdoor BBQ grill areas or work out in our fitness studio. Our apartment communities have direct access to US 127, I-496 and the CATA Bus route, offering easy access to MSU Campus, Lansing Community College, Cooley Law School, Downtown East Lansing, Spartan Stadium, Breslin Center, The Eli and Edythe Broad Art Museum, Eastwood Towne Center, Frandor Plaza, nightlife and entertainment. Our professional on-site staff, 24 hour on call maintenance team and night managers are dedicated to serving all your residential needs.
Rental rates are per person based on 2 people per apartment and a 12-payment lease.
12 and 24 month terms offered (please call office for details on shorter term leases). Security Deposit: Start at $200. Pet Policy: Maximum 2 pets per unit, $25 pet rent, $200 non-refundable pet fee.
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You will see—in brief, the only exaggerator in the South is Old Sol, for he does enlarge everything he touches.
"I must perform my official duties," remarked the King's exaggerator.
They say that you are blind, a dreamer, an exaggerator—a liar, in short!
"I trust you realise what an exaggerator I am—that I lay myself out to exaggerate," he writes.
He was every inch a Gascon, a boastful talker, an exaggerator, fond of posing and a little of a bully.
1530s, "to pile up, accumulate," from Latin exaggeratus, past participle of exaggerare "heighten, amplify, magnify," literally "to heap, pile, load, fill," from ex- "thoroughly" (see ex-) + aggerare "heap up," from agger (genitive aggeris) "heap," from aggerere "bring together, carry toward," from ad- "to, toward" + gerere "carry" (see gest). Sense of "overstate" first recorded in English 1560s. Related: Exaggerated; exaggerating.


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Volunteers in Plastic Surgery
A Universal Hope
When a baby is born, the words healthy and normal carry strong emotional weight with expectant parents. And thanks to continuing advances in U.S. medical technology, they are words often taken for granted. In other parts of the world, however, some parents — and children — aren't as fortunate. Poverty and limited access to medical care yields staggering deformity rates. Children born with birth defects, such as cleft lip and palate, and children with deformities from secondary burn injuries suffer an almost inconceivable fate. Many are abandoned or ostracized. Without the help of generous strangers, they will never know the meaning of the word "normal."
While many countries have facilities to take care of these children's basic needs (food, clothing, shelter), they cannot give children with deformities what they really need — corrective surgery to restore their smiles and emotional well-being.
A Desperate Cry for Help
In developing countries with limited medical resources, deformity equals non-acceptance. And whether those deformities have their origin in birth, disease or accidents, their impact on the young lives affected by them is the same. Statistics from the World Bank show that three-quarters of the world's population live in "developing" countries. In these areas, expanding populations and escalating debt are diluting the effectiveness of limited foreign medical-assistance programs.
This reality is especially devastating in many Asian countries, where one in every 500 children is born with a cleft lip and palate, and in remote parts of Africa, where severe burn injuries from open-fire cooking accidents are common.
Dedicated to Making a Difference
Thanks to the generous efforts of plastic surgeons from the United States, these people have not been forgotten. Over the past three decades, more than 150,000 children and adults have received medical treatment from dedicated volunteers, and the greatest gift of all hope. To support the ongoing international service efforts of plastic surgeons and their volunteer organizations, The Plastic Surgery Foundation established Volunteers in Plastic Surgery (VIPS). VIPS is a volunteer mission resource center and fuctions as a forum for discussing common issues and providing solutions to the many challenges inherent to international care missions. VIPS aims to equip our international physician colleagues with educational and surgical resources as well. You can help VIPS continue their goal of enabling this humanitarian work. Through educational and research grants, VIPS will direct all proceeds to the advancement of this important work.
VIPS's underlying philosophy is: To advance plastic surgery through service, training, education and research. To go where there is a need and where you are welcome.


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(CNSNews.com) - Accused by a former business ally of "racketeering," Jesse Jackson has fired back by stating that "people who make statements like that are not dealing in reality."
The allegations were made by Harold Doley, one of America's wealthiest African-Americans. His comments were part of an exclusive CNSNews.com report on Jackson's business activities.
Doley helped Jackson start the "Wall Street Project," which was intended to increase minority representation in corporate America. However, in the CNSNews.com report, Doley said he became disillusioned with what he called Jackson's "shenanigans."
"What he was doing was a kind of RICO operation, both criminal and civil," Doley said, referring to the Racketeer Influenced and Corrupt Organizations Act, the federal law that prohibits, among other things, "the collection of an unlawful debt."
Jackson responded to a question about the "racketeering" allegation Thursday at a Rainbow/PUSH press conference in New York City. According to the New York Post, a shocked Jackson said, "I'm not sure what that means. That's illegal. People who make statements like that are not dealing with reality."
Doley told CNSNews.com Friday he is not surprised by Jackson's reaction.
"Jesse Jackson uses the African-American community to leverage off of," he explained. "Bullies prevail for just so long and then they are revealed for what they are."
He believes Jackson should be investigated and "the Justice Department should take appropriate actions and not be concerned with the political fallout."
Doley added, "In America, no one should be above the law because of political influence."
Doley, who is chairman of a securities firm, became the first African-American to purchase a seat on the New York Stock Exchange in 1973.
Read CNSNews.com Exclusive Report on Jackson
Part One: Jesse Jackson Accused of 'Racketeering' by Top Black Businessman
Part Two: Jesse Jackson Called the 'Godfather' of Shakedowns


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Local Sports Bars Gear Up for March Madness [VIDEO]
Subscribe to AM 1240 WJON on
WAITE PARK — As the NCAA basketball tournament gets underway local sports bars are preparing for an increase in business.
With multiple games going on at one time, basketball fans look to find the best spot to get their fill.
Ultimate Sports Bar and Grill owner Tom Frericks says in 28 years of business March is typically a busy time for his staff.
"It's a combination of March as a whole and what it offers the sports industry," says Frericks.
With 36 televisions playing every game, Frericks says many customers take the day off and spend it at the bar watching the tournament.
"At about 1:30 p.m.-2:00 p.m. you will start seeing people shutting it down for the day and end up here," says Frericks.
While many of you are watching your brackets closely, Frericks says he longer fills one out.
"I stopped doing that a few years ago, probably because I kept getting so many wrong right away," says Frericks.
But being a sports bar owner, and fan himself, he secretly has one team he hopes takes it all the way — Michigan State.
The Ultimate Sports Bar and Grill is open everyday from 10:00 a.m. to 2:00 a.m.


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Elegant woven metallic leather with metallic leather underlining.
Rattan. Enamel elephant ornament. Lambskin and patent leather trim.
Crocodile stamped Italian leather doctor's bag.
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|Boomer Manual and Download
|PharmPK Listserv and other PK Resources
|Previous Page
|Previous Chapter
|Course Index
|Next Chapter
|Next Page
Toxicology AUC can be used as a measure of drug exposure. It is derived from drug concentration and time so it gives a measure how much - how long a drug stays in a body. A long, low concentration exposure may be as important as shorter but higher concentration. Some drugs are dosed using AUC to quantitate the maximum tolerated exposure (AUC Dosing).
Biopharmaceutics The AUC measured after administration of a drug product is an important parameter in the comparison of drug products. Studies can be performed whereby different drug products may be given to a panel of subject on separate equations. These bioequivalency or bioavailability studies can be analysed by comparing AUC values.
Pharmacokinetics Drug AUC values can be used to determine other pharmacokinetic parameters, such as clearance or bioavailability, F. Similar techniques can be used to calculate area under the first moment curve (AUMC) and thus mean resident times (MRT).
Figure 2.10.1. Linear Plot of Cp versus Time showing AUC and AUC segment
The area under the plasma concentration time curve (AUC) is very useful for calculating the relative efficiency of different drug products (We'll talk about this later, see Chapter 18). It can used to calculate the total body clearance (CL) and the apparent volume of distribution.
If we have a smooth line for concentration versus time or an equation for Cp versus time from a pharmacokinetic model we could slice the area into vertical segments. Each segment would be very thin, Δt and in extreme dt, in width (much smaller than the segment in Fig 2.10.1). The total AUC is calculated by adding these segments together. In calculus this would be the integral. Each very narrow segment has an area = Cp*dt. Thus the total area (AUC) is given by Equation 2.10.1:
Equation 2.10.1. Total AUC calculated from Very Narrow Segment
Moving ahead a little to Chapter 5 the integrated equation for plasma concentration as a function of time is:
Equation 2.10.2. Cp versus Time after an IV Bolus dose
This is essentially the same as the integrated equation we derived for amount of drug remaining using Laplace transforms. The difference here is the use of V, apparent volume of distribution, to convert amount into concentration. We can substitute this equation for Cpt into Equation 2.10.1 to derive an analytical equation for AUC:
Equation 2.10.3. AUC calculated as the integral of Cp versus time
From Math Table we would find that:
With a = kel (in Equation 2.10.3), t1 = 0, and t2 = ∞,
At t = 0, e-kel*t = 1 and at t = ∞, e-kel*t = 0
Equation 2.10.4. AUC Calculated from Concentration and kel
This is analytical integration (exact solution, given exact values for V and kel)
Note: For t = 0 to ∞, AUC = Cp0/kel. With t = t to ∞, AUC is calculated as Cpt/kel. We will use this result further down on this page
That is:
Rearranging Equation 2.10.4 to solve for V gives:
Equation IV-18. Volume of Distribution Calculated from Dose, AUC and kel
We could use Equation 2.10.4 to calculate the AUC value if we knew DOSE, kel, and V but usually we don't do this. We can calculate AUC directly from the Cp versus time data. We need to use a different approach. The simplest, most common approach is a numerical approximation method called the trapezoidal rule.
Other methods have been described by Yeh and Kwan (Yeh, K.C. and Kwan, K.C. 1978 "A comparison of numerical integrating algorithms by trapezoidal Lagrange and spline approximation", J. Pharmacokin. Biopharm., 6, 79-98) and Purves (Purves, R.D. 1992 "Optimum numerical integration methods for estimation of area under the curve (AUC) and area under the moment curve (AUMC)", J. Pharmacokin. Biopharm., 20, 211-226).
Figure 2.10.2. Linear Plot of Cp versus Time showing Typical Data Points
We can calculate the AUC of each segment if we consider the segments to be trapezoids. [Four sided figure with two parallel sides].
The area of each segment can be calculated by multiplying the average concentration by the segment width. For the segment from Cp2 to Cp3:
This segment is illustrated in Fig 2.10.3 below.
Figure 2.10.3. Linear Plot of Cp versus Time showing One Trapezoid
The area from the first to last data point can then be calculated by adding the areas together.
Note: Summation of data point information (non-calculus)
This gives:
Figure 2.10.4. Linear plot of Cp versus time showing areas from data 1 to data n
To finish this calculation we have two more areas to consider. The first and the last segments.
After a rapid IV bolus, the first segment can be calculated after determining the zero plasma concentration Cp0 by extrapolation.
If we assume that the last data points follow a single exponential decline (a straight line on semi-log graph paper) the final segment can be calculated from the equation above from tlast to infinity:
Thus the total AUC can be calculated as:
Next Chapter
Copyright 2001-3 David W. A. Bourne (email@example.com)


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Panamax MAX 5400-EX .Your audio/video components are constantly being bombarded by electromagnetic interference (EMI) and radio frequency interference (RFI) through their power cords. This contaminated power can affect audio/video equipment and will degrade the overall performance of your entire system. Common symptoms of contaminated power include pops, hisses, hums and visual artifacts. The MAX 5400-EX is designed to filter this noise, supply clean power to your system and provide noise isolation between the outlet banks so that any noise created by an A/V component can not contaminate the power going to equipment plugged into the other outlet banks.
3-year limited warranty
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What begins as a conventional English thriller, with a wife and her lover plotting the murder of her husband, reveals that nothing is quite what it seems in what's described as an outrageous whodunit. The plot to "Accomplice" thickens around four characters bent on revenge. This is the production's final weekend at Jedlicka Performing Arts Center, 3801 S. Central Ave., Cicero.
Directed by Dante Orfei, the comedic thriller is by Rupert Holmes, who won the Tony Award for best musical for "The Mystery of Edwin Drood." Orfei has been artistic director at the Jedlicka Performing Arts Center for more than 25 years.
Curtain is at 7:30 p.m. Friday and Saturday, November 8 and 9. Tickets cost $17 for adults, and $15 for seniors. For more information, contact www.jpactheatre.com or 708-656-1800.


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Sources from the production team say that producer Ganesh Babu, who is basking in the success of Gabbar Singh, is very serious about this movie and wants to make it even bigger success than his previous production. He is leaving no stone unturned for the same and is ready to spend any amount of money on it.
The sources further say that after the teaser got a huge response, the makers of the movie Baadshah have decided to have extensive action sequences. The film will have unique fight sequences and the producer is spending a lot of money on them. He has reportedly roped in foreign fight masters for it.
However, Junior NTR and Kajal Aggarwal starrer movie was scheduled to release as Sankranthi treat in January 2013. Since the makers of Baadshah is concentrating more on quality rather than time, they have delayed its release. Sources claim that they have decided to postpone it for March or April of 2013.


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|1, 2, 16, 17
(Chemicals) Chemicals used in industry, science and photography, as well as in agriculture, horticulture and forestry; unprocessed artificial resins, unprocessed plastics; manures; fire extinguishing compositions; tempering and soldering preparations; chemical substances for preserving foodstuffs; tanning substances; adhesives used in industry.Class 2:
(Paints) Paints, varnishes, lacquers; preservatives against rust and against deterioration of wood; colorants; mordants; raw natural resins; metals in foil and powder form for painters, decorators, printers and artists. Explanatory Note This class includes mainly paints, colorants and preparations used for the protection against corrosion. Includes, in particular: paints, varnishes and lacquers for industry, handicrafts and arts; dyestuffs for clothing; colorants for foodstuffs and beverages.Class 16:
(Paper goods and printed matter) Paper, cardboard and goods made from these materials, not included in other classes; printed matter; bookbinding material; photographs; stationery; adhesives for stationery or household purposes; artists" materials; paint brushes; typewriters and office requisites (except furniture); instructional and teaching material (except apparatus); plastic materials for packaging (not included in other classes); playing cards; printers" type; printing blocks.Class 17:
(Rubber goods) Rubber, gutta-percha, gum, asbestos, mica and goods made from these materials and not included in other classes; plastics in extruded form for use in manufacture; packing, stopping and insulating materials; flexible pipes, not of metal.


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1 Min Read
DUBAI, Oct 24 (Reuters) - Nigeria's oil production fell to around 2.1-2.2 million barrels per day (bpd) last week, down from an average of 2.5 million bpd this year, the state-oil company said on Wednesday, following flooding and a major outage on a Shell facility.
"There are so many trunk lines that had to be shut down... so as we recover from the flood we will be able to come back on stream," Andrew Yakubu, Managing Director of the Nigerian National Petroleum Corp. (NNPC) said at a conference.
"We hope to recover. It has been around 2.1-2.2 (million bpd)," he added. Industry experts say NNPC's production figures are often optimistic when compared with other data sources. (Reporting by Daniel Fineren; writing by Joe Brock; editing by James Jukwey)


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McAdam's Game-Winning Goal and Celebration / NE-10 Championship Report (.pdf)
Thanks to Pack Network and Northeast-10 TV for the clip
SYRACUSE, NY – With 0.8 seconds left in first overtime, sophomore and tournament MVP Brad McAdam (Nashanic Station, NJ) rifled a top-shelf blast past #1 Le Moyne College's Matt Krupka to give #7 Merrimack a 12-11 win and the school's second ever Northeast-10 Championship Sunday afternoon in Syracuse.
For Merrimack (13-3), it was the first Northeast-10 Championship since 2000 when head coach Mike Morgan played for the Warriors. Merrimack defeated Le Moyne 12-7 in 2000 and has since made four trips to the title game, including the last two seasons.
"It's hard to describe how proud I am of these guys," said a near-speechless Morgan on the sidelines following the overtime victory. "I could tell our guys had a different sense of purpose coming into the game. Even when Le Moyne made their run, we hung tough and did what we needed to do. All in all, I couldn't be happier for our team."
Despite winning its second-career Northeast-10 title, #7 Merrimack was not selected for the NCAA Tournament, which was announced late Sunday night. The Warriors' three losses, including two non-conference defeats to NYIT and St. Leo's, hurt their chances for their second straight appearance. Le Moyne, Limestone, Dowling and C.W. Post were selected to the Division II Final Four.
The Warriors finish their season 13-3 overall after defeating previously #1 and unbeaten Le Moyne 12-11 in overtime Sunday in the Northeast-10 Championship.
For Le Moyne, it was their first loss of the season and second in the last 43 contests at home. The last was against Bryant in 2008 when the Dolphins fell in the Northeast-10 Championship.
Despite giving up the game's first goal on Sunday, the Warriors answered with back-to-back goals from freshman Greg Melaugh (Billerica, MA) and senior Mark Webber (Mansfield, MA). Following Webber's unassisted blast on a delayed transition goal to give Merrimack a 2-1 lead, Le Moyne scored two goals to take the lead back at 3-2, but Northeast-10 Rookie of the Year, Corey Lunney (Little Silver, NJ) made his presence known at the 13:21 mark of the second quarter, ripping a shot from the left side to knot the score at 3-3.
Going into the half tied 4-4 on a Bryan MacPhie (Scarborough, ME) score, the Warriors came out firing in the second when McPhie added two more in the first five minutes of second half play. MacPhie, along with goalkeeper Cory Spinale (Wakefield, MA) were named to the all-Tournament team. Spinale made 12 saves, including a game-saving block in extra time before McAdam's game-winner.
Though Merrimack took an 11-6 lead on McAdam's first goal at 11:52 of the fourth quarter, the Dolphins ran off five straight goals to tie the score at 11 with 37 ticks remaining. Each team traded possession in overtime with key defensive stops on both sides of the ball, but it was Merrimack who had the last shot.
Winning the only face-off of overtime, Merrimack gained composure after relinquishing a previously comfortable lead late in the game. McAdam's unassisted goal with less than a second was his 18th of the season, responsible for shocking Le Moyne on their home turf.
Despite being out-shot on the day, 44-36, the Warriors capitalized on extra man opportunities, scoring three goals with a man-advantage, two of which came in the second half.
#7 Merrimack (13-3): Bryan MacPhie 3-2, Greg Melaugh
2-1, Brad McAdam 2-0, Jordan Tiger 2-0, Michael
Balbuena 1-1, Corey Lunney 1-0,
Mark Webber 1-0. GOALKEEPING: Cory Spinale (W,
63:59, 11 GA, 12 saves).
#1 Le Moyne (14-1): Jack Harmatuk 3-0, Jack Venditti 3-0, Keith Vetter 2-1, Corey Bulken 1-2, Vinnie Alexander 1-1, Jikado Hanna 1-0. GOALKEEPING: Matt Krupka (OTL, 63:59, 12 GA, 10 saves).
2010 Northeast-10 Conference All-Championship Team
Brad McAdam (MVP) - MER
Cory Spinale - MER
Bryan MacPhie - MER
Matt Chadderdon - LEM
Keith Vetter - LEM