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'Downton Abbey' Season 2 Episode 5 Recap
We should've known we were in for a depressing episode of "Downton Abbey" when we saw the long shot of rats hanging out in a post-apocalyptic wasteland that started the episode. Sadly, it was all downhill from the rats. William and Matthew are wounded in battle and come home to Downton. The rest of the episode features breakups, double crosses, sad babies crying in shacks and the most depressing wedding of all time. There's no musical medley to redeem the sad war stories in this outing. While war has changed things in the grand house of Downton, it's never felt so oppressively grim before.
Before delving right into the depressing, let's first touch base with Sybil. She's still having lots of garage conversations with Branson, although I wouldn't peg them as flirtatious anymore. Instead Branson continues trying to convince Sybil to run away with him by insulting her. When this tack doesn't work he switches over to the time-tested 'story about mass homicide' which is shockingly more effective. Still, even after a moment full of brooding and sexual tension, Sybil walks away and Branson's left with only his car for company.
Elsewhere, Edith is taking some being a boss lessons from the Dowager Countess who is determined to get William moved from his hospital in Leeds back to Downton Abbey. Once again, Edith is a wholly decent person. It's so weird not to dislike Edith, but I'm starting to get used to her not scheming or backstabbing anyone. Violet prevails as we all knew she would after doing battle with the telephone and a distant cousin. Is there anyone the Crawleys aren't related to?
Meanwhile, Mary has her own fish to fry. Because of O'Brien's letter to Vera Bates the story of Mary's deadly sex with the Turkish Mr. Pamuk is closer than ever to being revealed. Her only option is not a great one: go to Sir Richard with the tale and hope he'll stop it from being published. This is exactly what she does. Sir Richard editorializes a bit about how this will make them equal in the marriage and then announces their engagement in the paper without telling her. Mary is pretty chill about this at breakfast while her dad is outraged.
Sir Richard gets Vera to sign away the exclusive rights to the story with a binding agreement, meaning that he now owns Mary's scandal. When Vera finds out she got played she's furious and says she'll get Bates still another way. Sir Richard is like "who?" and then shrugs. As Kanye West would say, Sir Richard doesn't care about poor people.
Things are grim downstairs as well. While Anna thinks that she and Bates have dodged their final Vera-shaped bullet, thanks to Mary's warning Bates knows things are far from over. Former maid Ethel is hanging out in a ramshackle house that looks like it was previously inhabited by a children-eating witch. It has been at least 9 months since the last time we saw Ethel though, because she's had her baby. She's in a desperate situation with little cash and only Mrs. Hughes helping her out. When Mrs. Hughes tries to talk to Officer 70s-porn-stache about recognizing the baby, he shuts her down.
With Ethel gone, there's a new maid hired to Downton. Her name is Jane and she's a war widow. She thanks Lord Grantham for hiring her when she accidentally runs into him in the study and he pauses a little too long after she leaves the room. I know that pause sir and that pause means trouble.
The real drama downstairs, though, is about the returning wounded William. Poor William has a fatal wound to his lung and won't live for very long. His only wish is to marry Daisy before his time runs out. Daisy, of course, is freaking out about how she never actually wanted to marry William in the first place and just got pushed into it by Mrs. Patmore. She thinks that marrying him would be lying to him.
The Dowager Countess talks to the priest, who is worried that Daisy might be marrying William just to receive widow benefits. Violet lays down the law on him, however, telling him that she basically owns him. And his little flowers too! He crumples like everyone does around the pure awesome that is Violet and her gigantic hats.
Eventually Daisy's talked into it and she marries William with flowers draped all around his sickbed. It's very, very sad. Everyone is in the room and everyone is crying. Even the Dowager Countess, although she professes to be sick. The night after the wedding, William dies. It's probably the most depressing wedding of all time.
The Mary and Matthew of it All
Things aren't much better for Matthew, although he'll survive his injuries. He's brought back to Downton and Mary even volunteers to help Sybil with her Matthew-related nurse duties. That's how you know Mary really loves Matthew, because I can't imagine her doing all this nurse stuff otherwise. Matthew's mother Isobel, returning at the episode's end, is just as shocked to see Mary playing nurse. If this was a cartoon Isobel's eyes would have been somewhere from five to ten feet away from her body. Mary plays it off like it's nothing but Isobel disagrees. So basically everyone but Mary and Matthew know they're s till in love.
It turns out Matthew has spinal damage and will probably never walk again. Also, his whole downstairs area is basically non-communicado which means no kids and no sexy times with anyone. As you might imagine, this is pretty bummer news for everyone. Matthew breaks up with Lavinia, telling her he doesn't want to make her a nurse and a childless nun for the rest of her life. Lavinia is really upset but can't talk him out of it. Later, Mary catches her crying and Lavinia fills her in on the lack of what's going on below Matthew's belt. Mary is suitably crushed as well.
Matthew sends Lavinia away and tells Mary he could never be with anyone now the way he is. Things are looking pretty bleak for our favorite star-crossed lovebirds. Lavinia might be gone (for now) but Sir Richard is more dangerous than ever. And Matthew's funk means that even if he knew Mary's feelings for him, he probably wouldn't allow her to act on them. Why can't these two ever catch a break?
Best Maggie Smith Line
Watch even a few seconds of "Downton Abbey", and it's pretty clear that Maggie Smith's Dowager Countess gets all the best lines. Here's her best gem from episode five:
"It always happens! When you give these little people power it goes to their heads like strong drink!" – said when doctor Clarkson refuses to move William to Downton.
How depressed are you from a scale of one (O'Brien) to ten (Matthew or Daisy) after this week's episode? Do you think Matthew and Mary will ever work it out? Sound off in the comments!
Downton Abbey, Masterpiece


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ComplianceFAA Compliant: L-828
- Aerodrome Design Manual, Part 5
- Electrical Systems Para 3.2.14 to 3.2.16
The MCCR 100 is specifically designed for the efficient and effective supply of power to airfield ground lighting series circuits.
• Pre-programmed with default operating parameters suitable for most applications. Where necessary, changes can be made via the front panel keypad. An external PC is not necessary.
• Accurate control of RMS output current into all loads from short circuit to full rated output.
• Multi-tapped output isolation transformer tappings can be selected to match the load minimizing the harmonic and increasing the efficiency.
• Output circuit isolated from the mains supply.
• Minimal cubicle footprint to reduce space requirements.
• Air cooled no fans required.
• Low life cycle costs.
• Compatible with circuit selector and lamp switching equipment.
• Proven reliability: the Micro 100 CCR is a development of previous atg airports CCRs used extensively throughout the world.
• Micro-controlled Display allowing extensive CCR monitoring and diagnostic information to be presented to Engineers and Technicians. This can include:
- Output Current Value
- Brightness Step
- % of Maximum Output
- Alarm Text Description
- Number of Failed Lamps
- Hours Run Counter
- Insulation reading
- Power analysis
Standard Functions and Displays
• 8 Brilliancy levels - fully adjustable between 0-100% brilliancy output plus adjustable black heat.
• Display of true RMS output current.
• Open circuit protection and fault indication.
• Over current protection and fault indication.
• Over current clamp if current exceeds 120% of rated value during block switching operations.
• Internal/External brilliancy control.
• CCR "On"- current flowing in the series loop.
• Warning indication of "Open Circuit".
• Warning indication of "Over Current".
• Warning indication of "Output Current Tolerance Fault".
• Elapsed time hours counter at maximum brilliancy.
• Elapsed time hours counter of total hours run.
• Built-in adjustable current ramp for switch on, enhances lamp life by reducing stress on lamp filaments.
• Parameters configurable from front panel.
• Castors for easy maneuverability.
• Eye bolts for easy lifting.
• Built in 24/48V supply for control systems.
• Contained in Vermin proof powder coated cabinet.
Design and Construction
The atg Micro 100 CCR is a microprocessor controlled unit integrating a high speed analog control and protection loop. The control system drives an anti-parallel pair of power thyristors providing phase angle control to the series circuit.
Each atg Micro 100 CCR is in a self contained cubicle divided into individual compartments separating HV, LV and control elements.
Microcontroller and Display Compartment
This compartment comprises a PCB Sub-assembly using a microcontroller to allow parameterization of the CCR characteristics and display of monitored and alarm information. All of the electronic sub-assemblies in this section are accessible from the front of the CCR cubicle.
Analog Electronics
This compartment includes the main control PCB associated with the feedback controller, error amplifier, thyristor triggering circuit, lamp failure detection and earth fault detection. In this section components are accessible from the front of the CCR cubicle.
These compartments contain all the power components connected to the CCR output current loop such as the thyristor stack, main contactor, main transformer, lightning arrestor, feedback transformers, filters and cable terminals. These sections are accessible from both the side and rear of the CCR cubicle.
This compartment allows for the connection to input terminals and access to fuses without the need to access the power compartment. It is accessible at the rear of the cubicle.
Technical Specifications
Power Factor
At nominal resistive load, nominal output current and nominal input voltage:
• Up to 0.9 for ratings up to 10 kVA
• Up to 0.95 for 12 kVA and greater
At nominal power into resistive load, maximum brilliancy and nominal input voltage:
• 90% or better
Output Power Ratings
• At 380, 400, 415V:
Outputs of 2.5, 4.0, 5.0, 7.5, 10, 15, 20, 25, 30 kVA
• At 210, 220, 240V:
Outputs of 2.5, 4.0, 5.0, 7.5, 10, 12.5, 15 kVA
Output Current Ratings
Input Voltage Ratings
• 220, 230, 240 Volts Single Phase 50/60 Hz
• 380, 400, 415, 440 Volts 2 Phase, 50/60 Hz
Remote Control
• Digital 24 or 48 VDC (8 wire and command)
• Analog
• 3 wire and command
• BCD and command
• Serial communication (optional) RS485 Protocols
Operating Environmental Conditions
• From short circuit to full load.
• For nominal input voltage ± 10%.
• For ambient temperatures from -40°C to + 55°C.
• For altitudes up to 2000m.
• For a relative humidity range of 10% RH to 95% RH.
• Maximum 30% of transformers open circuit in their secondary.
Protection Devices
• Protection against "Open Circuit" is activated when the output current falls below 1 amp for more than 100ms.
• Protection against "Over Current" is activated when:
- IEC Settings
• The current reaches 102.5 % of nominal value for more than 5s.
• Or the current reaches 125% of nominal value for more than 300ms.
- FAA settings
• The current reaches 105% of nominal value for more than 5s.
• Or the current reaches 125% of nominal value for more than 1s.
Suggested Specification
The Constant Current Regulator shall be microprocessor assisted using anti-parallel thyristors to control the input to the main transformer. It shall comply with IEC 61822 and ICAO Aerodrome Design Manual Part 5, para 220.127.116.11 to 3.2.16 or FAA specs L-829/L828 in Advisory Circular AC 150/5345-10E.
The CCR should be designed for continuous indoor operation in an ambient temperature of -40°C to +55°C and maximum relative humidity of 95%. It shall be cooled by natural convection.
The CCR shall have a regulation accuracy of +/- 1% of values of intensity under the following conditions:
• Load Variation between 0% and 100%.
• Supply Voltage Variation +10% to 20%.
• Supply Frequency Variation +/- 5%.
• Power Factor 0.9 efficiency greater than 0.9.
The CCR will contain a series circuit transformer with multiple tappings on the secondary winding delivering variable power from the CCR output and to adjust the CCR capacity to actual load, improving the primary power factor and efficiency of the Micro 100 CCR.
The CCR should be equipped with the following features:
• Open circuit protection device.
• Over current protection device.
• Current monitoring and display.
• Lamp failure detection.
• Internal lightning arrestors on the output circuit.
• Elapsed time recording.
• Brightness control: up to 8 steps.
• Adjustable operating parameters accessed via the CCR front panel.
• Remote monitoring via volt free contacts.
• Tolerance monitoring (difference between actual and set brilliancy level).
• Output current limiter to limit series current to 120% of rated value.
• Insulation resistance monitoring.
The CCR may also be supplied with the following optional equipment:
• Serial Communications Interface (MODBUS, JBUS, PROFIBUS).
• Circuit Power Monitor (Voltage, PF, KVAR, kW).
• Series Circuit insulation resistance measurement using 500 VDC test voltage when CCR is operating or manual test at 1000 VDC.
• Integral Circuit Selector Unit (2,3,4,5 or 6 way).
Home - What's New - Who We Are - Products - Request Quote - Search - Contact Us - Terms - Links
Copyright © 2017 Flight Light Inc. All rights reserved.

subset: commoncrawl


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Tampa, Fla. - Sophomore Ashley Clark (Cary, N.C.) was named to the Women's Super-20 All-Tournament Team Tuesday, representing her club team, Triangle FC. The 11-member roster was chosen at the conclusion of the 2012 North American Finals in Bradenton, Florida.
Looking for a back-to-back championship with TFC, Clark, a forward, scored two goals in the tournament before her team was eliminated early. This was the second time in as many years she has been honored, being named the Most Valuable Player in 2011.
As the longest standing and most sophisticated U20 men's and women's North American amateur league, the Super-20 League provides the platform for top 17- to 20-year-olds in the United States and Canada to compete at the elite level. While serving as a reserve team system for many W-League and PDL teams, the USL Super-20 League features teams competing in regional divisions, consisting of 8-10 regular season matches throughout the summer months.


text: Hey Paul, Thanks for the instructions. This is basically what I have done with a couple exceptions. 1). I didn't run a -dirs localization. I wouldn't think that would matter, but I don't know. 2). I'm using a grib ID of 97 with an OCNTR of 07. I'm not sure what it is, but it seems that it doesn't like the grib ID of 97 with the grib2 data. I've been using this ID for years and it's never had a problem until I tried using grib2 data. I'm wondering if something changed and grib ID of 97 is being used now? I'm going to try something a little different in a few minutes once all of the 12Z data is in and see what I can break. Basically, I'm going to do what you have in your instructions, but skip the addition to the grib2Grids.txt step. I'll use the A212 grid in localGridSourceTable instead of A255 mentioned in Chris' instructions. It should be the same grid and it appears that the operational models are setup that same way. Doug Paul Shannon wrote: > Hi Doug, > > I struggled for a while trying to understand how to add grib2 files to > AWIPS also. I could not find any generic instructions so finally > managed to put some together that worked for me. I've attached them > to this message. Basically there are 3 files on AWIPS that need to be > edited: grib2Models, grib2Grids and your localGridSourceTable.txt. > Look through the instructions and let me know if they work for you. > > Paul Shannon > > Douglas Tilly wrote: >> I have gone through Chris Mello's instructions for adding the >> ensemble data and I've run into a problem. Aside from the fact that >> I had caused the GFS to stop coming in (the other models didn't seem >> to be affected), the 40 km version wasn't decoded. The error from >> the decoder log is: >> >> PROBLEM: NCF_FAIL 09090400_a NCEP subCent=0 UNKNOWN Grid >> Source...grid = A255 (255) model = UNKNOWN (97) field = SH (0) >> levelType and values = MB (100 ) 25 0 time = 0 0 >> >> It obviously doesn't know what the model is, so I'm trying to figure >> out what I've done wrong. In Grib2Models.txt I have added: >> >> 97 | wrflocal40 | LSX WRF 40 km res >> >> I'm wondering if it's being confused since the model ID of 97 is >> supposed to be in grib1 format? Anyone have any ideas/suggestions? > -- > ------------------------------------------------------------------------ > > _______________________________________________ > Wrfems mailing list > Wrfems at comet.ucar.edu > -------------- next part -------------- An HTML attachment was scrubbed... URL: <https://mailman.comet.ucar.edu/pipermail/wrfems/attachments/20090904/bc406551/attachment.html> -------------- next part -------------- A non-text attachment was scrubbed... Name: not available Type: image/png Size: 8550 bytes Desc: not available URL: <https://mailman.comet.ucar.edu/pipermail/wrfems/attachments/20090904/bc406551/attachment.png> -------------- next part -------------- A non-text attachment was scrubbed... Name: douglas_tilly.vcf Type: text/x-vcard Size: 345 bytes Desc: not available URL: <https://mailman.comet.ucar.edu/pipermail/wrfems/attachments/20090904/bc406551/attachment.vcf>


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11 Comments
For anyone interested, I created this from scratch only using the standard PS brush, no textures. I used the brush like you would a pencil IRL:
+1 Great Artwork Brah!
Awesome PS skills you have there,Great artwork!!! +1
dope !! +1 from me!
my latest design actually up for voting, please give me feedback and support if you like it, thanks !
STUNNING! Beautifully done!
This would be amazing to wear…
You're incredibly talented! This this kind of art isn't simple to make. It's actually really compicated. I just checked out your site on society6. Your Fawn and Flora print is gorgeous! +1 for sure! Good luck!! :-)
Can't even explain how great this is! Really love it!


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BEIJING (AP) Sanya Richards has anchored the United States to a gold medal in the women's 4x400-meter relay.
Saturday's win ends a streak of relay woes for the Americans in Beijing.
When Richards took the baton for the final leg, the U.S. was trailing Russia. But she closed the gap, catching Anastasia Kapachinskaya to secure the gold medal in 3 minutes, 18.55 seconds.
Russia took silver in 3:18.82; Jamaica was third in 3:20.40.
The other U.S. runners were Mary Wineberg, Allyson Felix and Monique Henderson.
After failing to qualify for the finals in the men's and women's 4x100 relays, the Americans relied on the event they have dominated since the 1996 Olympics to deliver their first relay gold of 2008.
Copyright 2008 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.
Guidelines: You share in the USA TODAY community, so please keep your comments smart and civil. Don't attack other readers personally, and keep your language decent. Use the "Report Abuse" button to make a difference. Read more.


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A very strong Red Devils' second-string lined up against the Shakers in the Manchester Senior Cup final at Carrington with Danish custodian Lindegaard finally making his first appearance in a United shirt since his arrival from Aalesund in November.
However, he was a virtual spectator as Scholes, who was continuing his return from an ankle injury picked up in November's 1-0 Champions League win at Rangers, inspired a comfortable rout.
Wes Brown, John O'Shea, Darron Gibson, Fabio and Gabriel Obertan also featured for United as they raced into a seven-goal lead by half time thanks to Obertan's hat-trick, Joshua King's brace and one apiece from Robert Brady and Fabio. Marnick Vermijl added the eighth after the break as the Red Devils took their foot off the pedal.
However boss Sir Alex Ferguson will be pleased to see several of his fringe players all get a valuable work-out, while O'Shea, Brown and Gary Neville will all look to fight it out to replace Rafael against Birmingham this weekend following his red card for two bookings at Tottenham.


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Contrasting Gentex Corporation (GNTX) & Accuride (ACW)
Accuride (NYSE: ACW) and Gentex Corporation (NASDAQ:GNTX) are both cyclical consumer goods & services companies, but which is the better business? We will compare the two companies based on the strength of their valuation, risk, earnings, dividends, institutional ownership, profitabiliy and analyst recommendations.
Analyst Ratings
This is a summary of current ratings and price targets for Accuride and Gentex Corporation, as provided by MarketBeat.
|Sell Ratings
|Hold Ratings
|Buy Ratings
|Strong Buy Ratings
|Rating Score
|Gentex Corporation
Accuride presently has a consensus price target of $2.58, indicating a potential upside of 0.00%. Gentex Corporation has a consensus price target of $23.13, indicating a potential upside of 25.00%. Given Gentex Corporation's stronger consensus rating and higher probable upside, analysts clearly believe Gentex Corporation is more favorable than Accuride.
Gentex Corporation pays an annual dividend of $0.40 per share and has a dividend yield of 2.2%. Accuride does not pay a dividend. Gentex Corporation pays out 31.7% of its earnings in the form of a dividend.
Institutional & Insider Ownership
46.6% of Accuride shares are owned by institutional investors. Comparatively, 82.7% of Gentex Corporation shares are owned by institutional investors. 2.6% of Accuride shares are owned by company insiders. Comparatively, 2.5% of Gentex Corporation shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.
This table compares Accuride and Gentex Corporation's net margins, return on equity and return on assets.
|Net Margins
|Return on Equity
|Return on Assets
|Gentex Corporation
Earnings & Valuation
This table compares Accuride and Gentex Corporation's gross revenue, earnings per share and valuation.
|Gross Revenue
|Price/Sales Ratio
|Earnings Per Share
|Price/Earnings Ratio
|Gentex Corporation
|$1.73 billion
|$616.25 million
Gentex Corporation has higher revenue and earnings than Accuride. Accuride is trading at a lower price-to-earnings ratio than Gentex Corporation, indicating that it is currently the more affordable of the two stocks.
Volatility and Risk
Accuride has a beta of 2.6, meaning that its share price is 160% more volatile than the S&P 500. Comparatively, Gentex Corporation has a beta of 1.19, meaning that its share price is 19% more volatile than the S&P 500.
Gentex Corporation beats Accuride on 10 of the 13 factors compared between the two stocks.
About Accuride
Accuride Corporation is a United States-based manufacturer and supplier of wheels, wheel-end components and other products to the North American commercial vehicle industry. The Company's products include steel and aluminum commercial vehicle wheels and assemblies, truck body and chassis parts, and gray, ductile and austempered ductile iron castings. The Company's products are marketed under various brands, such as Accuride Wheel End Solutions (Accuride Wheels and Gunite), Accu-Flange and Gianetti Ruote. The Company uses Steel Armor steel wheel powder coating technology. The Company also offers stud-piloted, tubeless and tube-type forged aluminum wheels, brake drums and disc wheel hubs in commercial vehicles. The Company serves the original equipment manufacturers (OEMs) and their related aftermarket channels. The Company serves the commercial vehicle market, including heavy and medium-duty trucks, commercial trailers, light trucks, buses, and specialty and military vehicles.
About Gentex Corporation
Gentex Corporation designs and manufactures automatic-dimming rearview mirrors and electronics for the automotive industry, dimmable aircraft windows for the aviation industry, and commercial smoke alarms and signaling devices for the fire protection industry. The Company's business segment involves designing, developing, manufacturing and marketing interior and exterior automatic-dimming automotive rearview mirrors that utilize electrochromic technology to dim in proportion to the amount of headlight glare from trailing vehicle headlamps. Within this business segment, the Company also designs, develops and manufactures various electronics that are features to the interior and exterior automotive rearview mirrors, as well as interior visors, overhead consoles, and other locations in the vehicle. The Company ships its products to all of the automotive producing regions across the world, which it supports with various sales, engineering and distribution locations across the world.
Receive News & Ratings for Accuride Co. Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for Accuride Co. and related companies with MarketBeat.com's FREE daily email newsletter.


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- Adult Skin Problems Slideshow
- Quiz: Is Ringworm Contagious?
- Gallery of Skin Problems Pictures
- Patient Comments: Sun-Sensitive Drugs - Phototoxic Drugs
- Patient Comments: Sun-Sensitive Drugs - Symptoms
- Patient Comments: Sun-Sensitive Drugs - Treatment
- Patient Comments: Sun-Sensitive Drugs - Foods and Plants
- Sun-sensitizing drugs (photosensitivity) facts
- What is photosensitivity?
- What is the difference between a photoallergic and a phototoxic reaction?
- What is ultraviolet light?
- Photoallergic and phototoxic reaction pictures
- What are the symptoms of sun sensitivity (photosensitivity)?
- Phototoxic drugs
- Photoallergic drugs
- Are there any medical conditions that may cause photosensitivity?
- How is sun sensitivity (photosensitivity) diagnosed?
- What is the treatment for a photosensitizing drug reaction?
- Is anyone taking these drugs at risk for developing sunburn?
- Can any foods or plants cause sun sensitivity (photosensitivity) reactions?
- Pictures of food and plant sun-sensitivity (photosensitivity) reactions
- Are there any medical applications of sun sensitivity (photosensitivity)?
What is ultraviolet light?
Ultraviolet (UV) light is radiation energy in the form of invisible light waves. UV light is emitted by the sun and by tanning lamps.
The sun discharges three types of ultraviolet radiation:
- ultraviolet A (UVA)
- ultraviolet B (UVB)
- ultraviolet C (UVC)
Only UVA and UVB rays reach earth. (UVC does not penetrate the earth's upper atmosphere.)
Tanning lamps also produce UVA and/or UVB. These artificial rays affect the skin in the same way as do UVA and UVB from the sun.


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A tale of two frackers
Trican and Calfrac both reported their second quarter results this week - but one's looked far better than the other's
When he was younger, Max Fawcett wanted to make a mint in the markets. Now as the managing editor of Alberta Venture he gets to write about them. Close enough, right? He can be reached at firstname.lastname@example.com
by Max Fawcett
Calfrac Well Services (TSE:CFW) and Trican Well Service (TSE:TCW) both reported their second quarter results this week, but one looked substantially better – to FirstEnergy analyst Kevin Lo, anyways – than the other. Trican came in with revenue below forecasted levels and a negative EBITDA of $10 million. All told, the company lost $0.38 per share, and while its U.S. and Canadian operations underperformed in the quarter (in Canada, that was almost entirely due to the wet spring) it was its international unit that really missed the mark. "We had been too aggressive in modeling an increase in margins for Russia, which again struggled with costs. Cost inflation in Russia continues to outweigh pricing gains negotiated earlier in 2013e," Lo wrote in a note. "In Algeria, the cementing business has been shut down while the coil tubing business remains active. In Australia, activity is slower than the company anticipated. As a result, Trican had to write down $4.1 million in goodwill this quarter which negatively impacted EPS."
Calfrac, on the other hand, had a much better quarter. It beat expectations on its top line number, with higher than anticipated revenue in both Canada and the U.S. Its EBITDA was also ahead of expectations – and, equally important, a positive number: $16 million. In Canada, the company signed a multi-year deal with Progress Energy for three fracturing spreads, with the right of first call on another spread for Progress's non-Montney assets. "This should provide Calfrac with additional confidence to staff its equipment appropriately," Lo wrote, "which in our view is the most important factor leading to equipment utilization today …. The outlook for Calfrac remains positive in Canada given its long-standing relationships with Progress, and its ability to remain active throughout the basin."
Its U.S. division, meanwhile, continues to shine. "While many competitors cited lower 2Q13 profits compared to 1Q13, Calfrac grew its revenue by 15 per cent q/q to $146 million and its operating margin by 40 per cent q/q to $25 million," Lo wrote. "This equated to an operating margin of 17 per cent, higher than 14 per cent achieved in 1Q13 and only slightly lower than 19 per cent y/y. Strong activity in the Marcellus and Fayetteville, plus positive developments from the Niobrara provided higher utilization. Plus, the company was able to move equipment and people from Canada during the seasonally weak Q2 to the Marcellus." FirstEnergy has an outperform rating and a $35 price target on Calfrac's shares, and a market perform rating and $16 price target on Trican.
Brickburn Asset Management's Bill Bonner weighed in on Market Call today, and his top picks were all – no surprise here – Alberta energy companies. First up was Twin Butte Energy (TSE:TBE), a company that's struggled to get much traction with its new dividend-oriented model but one that Bonner thinks will surprise to the upside. The problem, he says, isn't so much the dividend but its assets in the Primate play, which have been besotted by water intrusion problems that the company hasn't been able to get a handle on. As such, they've reduced their expectations for that play and the production that comes from it.
Bonner thinks that's a buying opportunity. "When you look back at what they've done, they invested $50 million in capital in the play and already taken out $100 in cash flow. The play owes them nothing, and all they're saying is that they can't forecast what's around the corner with confidence. We think the market's got this one wrong."
He also picked Legacy Oil and Gas (TSE:LEG), a company that he thinks is close to being self-sustaining on an operational basis. "Legacy is at a point where it has enough cash flow to sustain their capital spending program, and they've even talked about introducing a dividend. Of all the small intermediates, I think the value proposition here is unmatched. You just can't buy these quality assets for three-times cash flow, which is what you can do today with Legacy."
Finally, he tabbed Pengrowth Energy (TSE:PGF), a long-time hold for him (one that he's bought at higher prices, he admitted) that offers up a secure dividend and a fully-funded heavy oil play that could increase the company's production by as much as 75 per cent. "I think the market's going to gain confidence in this story over the next 12 to 24 months. The pilot project there has delivered incredible results, and in the context of the pilot expanding, look out."


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Missing Petaluma bicyclist John "Joe" Wirth, 49, was found during the night, according to Petaluma police.
A patrol officer searching roads leading out of town found Wirth a few miles outside of the city, said Sgt. Andrew Urton in a release Sunday night.
Wirth, who suffers from a brain injury, is known to take extremely lengthy bike rides that have taken him out of Sonoma County.
He's been found in Fairfield, St. Helena and Benicia, police have reported.
Sunday Wirth left his Petaluma home at about 8 a.m. on a ride and hadn't returned by nightfall, prompting family members to contact police.
Petaluma police said Wirth was found a few miles out of town on Lakeville Highway, riding toward Highway 37.


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Gawkers, New Yorkers have mixed takes on rising 1WTC
NEW YORK – It was unseasonably cold and rainy in Lower Manhattan one day this past week, but that did not stop the tourists who regularly migrate to the One World Trade Center construction site to point their cameras up and snap photos of the growing skyscraper.
On this raw day, the top of the now 1,271-foot-tall building on the site of the worst terror attack in U.S. history seemed to disappear into the fog as if pointing toward heaven.
Tourist Tammy Beacham, a 911 dispatcher from Pendleton, Ore., is the daughter of retired emergency responders. She choked up as she explained that she lost many "brothers and sisters" in the 9/11 attack that took down the twin towers.
PHOTOS: New World Trade Center stands tall
INTERACTIVE: Explore the 9/11 memorials
"To me, it's a sacred place. There's a lot of people at rest here," said Beacham, 33, as she wiped away tears. "I think it's beautiful, I really do. I think it's gorgeous. I can't wait to go inside."
Beacham is one of the thousands of people daily who pass by, work on, visit or point a camera at the site that, when fully completed, will include six towers. One World Trade Center is projected to be complete in 2013, when its height will be 1,776 feet, symbolic of the year of the country's independence. This past week, it surpassed the 1,250-foot-tall Empire State Building, making it the tallest building in New York.
Pool photo by Lucas Jackson
The 9/11 Memorial is seen from the 90th story of One World Trade Center in New York on Monday.
STORY:One World Trade Center reaches height milestone
Almost 11 years since the terror attacks, the taste of dust is gone from the air, and the fliers seeking news of missing loved ones are no more. Now, the neighborhood of narrow streets and an odd mix of Colonial-era buildings, modern-day discount stores and trendy coffee shops is a hurricane of tourists, commuters, construction workers and others. All seem to have an opinion about the new tower.
Many who work on the site were at Ground Zero on 9/11 and lost friends and colleagues in the attacks, says Lynda Tollner, program director with the World Trade Center Construction Department.
In 2001, Tollner was an engineer for a New Jersey firm and the Port Authority of New York & New Jersey was a client. She was at a meeting with the Port Authority at the twin towers on 9/11 when the first plane hit.
She managed to escape, but she lost a friend in the attacks. These days, she is looking forward. She supervises about 150 construction and Port Authority staff members.
"It just feels like there's more life here and it's something to celebrate," Tollner said. "Change is always very hard. There were so many changes to the neighborhood down here after 9/11. … I've been down here almost five years working on the site and I really think it's the progress that makes you deal with that in a more positive way."
Construction workers said they were proud to help One World Trade Center reach its status of tallest building in New York.
Cousins Adam and Steven Cross; Adam's father, Louis Cross; and Adam's uncle, Joe McComber, are all part of an ironworking crew at One World Trade Center. They are Mohawk Indians, continuing a century-old tradition of Mohawk ironworkers who travel from Upstate New York and Canada to build the city's landmark structures.
Adam Cross said it was special to help erect the beam imprinted with 1271.
"It felt cool, like really being part of something big," said Cross, 31, who drives the six hours back home to Kahnawake, Quebec, each weekend to see his wife and four children. "It's important to rebuild something that was taken away, to put that iconic symbol of New York City back up."
"It's a long time coming," said Steven Cross, 36, who has moved to New York City with his wife. "It's a significant spot."
Fireproofer Steven Bommarito showed off a picture on his phone of the beam with 1271 imprinted on it.
"We've been working on it, blood, sweat and tears, for a year and a half," Bommarito, 28 and from Queens, said of the site. "We shouldn't leave it empty because it will look like we're scared."
Tourists visit at a regular pace, pointing upward as they talk with others around them. Juan Debrand, from Santo Domingo in the Dominican Republic, chatted with his wife, Maria Guzman, and brother, Felipe Debrand of West Palm Beach, Fla. Juan Debrand remembered watching the terror attacks unfold on television, and the One World Trade Center site was on his must-see list, he said.
"The world changed the moment the first plane struck," said Debrand, 51, translated by his brother. He said he believes One World Trade Center is "marvelous" and "just beautiful."
Andrew and Deborah Ross, former New Yorkers who now live in Denver, came to the site out of curiousity and to show their toddler, Milo, 3. "It's something he'll hear about when he's growing up, just like we used to hear about (the assassination of John F.) Kennedy, so we wanted him to see it," said Deborah Ross, 45.
Those who seem the least impressed are workers who commute to Lower Manhattan every day and who saw the horror of 9/11 firsthand. Kimberly Smith, who works for the city's children's services agency, was headed for work on a bus when the planes hit the towers. She saw people jump to their deaths.
"I just don't see the purpose," said Smith, 46, of the Bronx. It's as if New York is saying, " 'Since they blew it up, we're going to build it bigger and better,' " she said.
Bob Wenz, who works at a court reporting agency, also is unmoved by the looming presence of One World Trade Center. Wenz, who lost a firefighter friend on 9/11, was coming out of the subway when the second plane hit. He remembers hearing a boom, then seeing dust everywhere.
"I just don't see how they're going to sell it," Wenz, 62, of Queens, said of the office space. "Who would want to be in there?"
Posted | Updated


text:
Originally Posted by Galadín
I'm currently a lurker but I'll be back for good next week! If you've a request to make, go ahead and post, I'll work on it once I'm back on board.
Good to have you back. »_»
Sorry for the super late reply Galadin, I personally don't have the Roses of May signatures, It might be on my old laptop but I doubt it.
Hey you!!! Thanks for the Happy B'day and all. Sorry I didn't answer you earlier, but my experience in Denmark was...well...not what I hoped, so I came back to my country on Christmas Eve. (will tell you more whenever we'll get the chance to talk).
I hope you had an awesome Christmas, and even a more awesome New Year eve and all that.
PS: Happy (late) New Year!!! xxx
PPS: Happy B'day M'Lady!!! Wish you all the best in the world!
Hey I'm glad to hear you got yourself some work. You mentioned a few months ago you were having trouble in that front. So I'm happy to see that things turned out fine for you there. More important than this game for sure.
Hey want to provide sigs for the TKG emulator major
Oh I see your new forum title. That's really cool.
Hi Galadín, a have a simple question about doing stuff with images. How do I count pixels on an image? Trying to figure out assist gains by screenshotting the TKG emulator and dividing the length of the filled bar by the length of the full bar
Hey Gala, it's good to see you on the forums. You were gone for a while. Moreover it is good to see that you got the TKG emulator and that you're playing again. The TKG emulator is pretty great, along with Hamachi, those two things helped the community get back on its feet a lot.
Hello Galadin. I got no answers on your Graphic thread so.. I was a bit worried about it. Guess, you don't have the time to come on Dissidia Forums ?
Send an Instant Message to Galadín Using...
Paladin of Light
Ron Swansonesque
Carbuncle's Reflection
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text: The mission of Modern Real Estate is to be the most successful real estate firm in Colorado. Modern Real Estate incorporates proven, professional state of-the-art techniques and technology specializing in the marketing, listing and selling of new and resale homes, residential communities, home sites, undeveloped land and investment opportunities. Modern Real Estate maintains a full-time staff of well-trained real estate professionals who continually strive to provide top quality service for their individual clients and customers. Modern Real Estate is a creative, innovative and people-oriented organization providing individual opportunity, personal satisfaction and rewarding challenges to all members of the firm.


text: Thanks everyone for the pointers on pbsdsh. I started to try it, and found that it was not on the compute nodes (now being rectified). The one thing I am curious about is that given its functionality, why is it not included in the install wrapper along with pbs_mom. It seems to me that it would go right alongside of it on the compute nodes, even if you did not want all the other things in the client group (such as pbsnodes, qstat, etc.). - Doug On Mon, 2009-12-07 at 11:41 -0600, James J Coyle wrote: > Douglas, > > Check out pbsdsh for what you want to do. > > http://www.clusterresources.com/torquedocs21/commands/pbsdsh.shtm > > or > > man pbsdsh > > if you have installed the Torque man pages. > > This command distributes a script from the first node in your job > to all the nodes that your job has reserved. > > > pbsdsh is installed in /usr/local/bin/pbsdsh > if you use the default location. > > - Jim C. > >


text:
By all means, go back to ISA.
God forbid you search through the archives to find that some people are
already working on proxy support before you verbalize how "bummed" you
are to a list of devs who are too busy to answer pointless emails not
accompanied by any practical information.
Next time, after you have googled for awhile and searched the maillist
archives, you could maybe say:
"Hi all, I'm new to the list. I did some research and couldn't find
any material regarding whether or not it was a goal to have proxy
support built into m0n0wall. Does anyone have any ideas?"
Your welcome,
On Wed, 2004-06-16 at 16:37, Zadikem, Travis-taz wrote:
> Ok, I am bummed. I just learned that you don't currently
> have any proxy support build in. I have 40 users already configured
> to use this from an old ISA setup.
> Travis A. Zadikem
> ---------------------------------------------------------------------
> To unsubscribe, e-mail: m0n0wall dash dev dash unsubscribe at lists dot m0n0 dot ch
> For additional commands, e-mail: m0n0wall dash dev dash help at lists dot m0n0 dot ch
Justin Ellison <justin at techadvise dot com>


text:
DVD sermons spread the word
Page Tools
With a shortage of rural clergy, televised recorded services are replacing the traditional minister's sermon in small communities across Australia.
The Uniting Church, Australia's third-largest Christian denomination, is exploring the use of weekly DVDs of sermons and liturgy as part of Project Reconnect.
The church provides pre-recorded DVDs to up to 20 village worship groups considered too small or too remote to have their own ministers.
Project co-ordinator Reverend Tom Stuart said the strategy was conceived to cope with a clergy shortage in his own NSW central west area, including communities near Forbes, Parkes and Condobolin.
The DVDs are also being sent to groups in most states and territories, including the tiny north Queensland grain and cotton town of Theodore.
"These communities typically have a history where their church might have been built maybe in the last 50 years, but now there might only be 12, eight or six people using that same worship place," Mr Stuart said.
He said a handful of detractors had initially considered the DVDs as "TV church", but those involved now saw it as a dynamic, interactive way to reconnect the church and communities.
"It's not about physical reconnection, it's a sense of reconnecting with God, reconnecting with each other and reconnecting with their communities," he said.
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Hunters and Collectors reunite
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Iconic Australian band Hunters and Collectors will reunite for one night only when they are inducted into the ARIA Icons Hall of Fame next month.
But former frontman Mark Seymour says the group have no intention of getting back together.
"We have all moved on," Seymour said today.
"This is pretty incredible really, you wouldn't get us out otherwise."
Hunters and Collectors will join country music veteran Smoky Dawson and rockers The Easybeats as inductees to the inaugural ARIA (Australian Record Industry Association) Icons Hall of Fame event in Melbourne on July 14.
Other inductees previously announced include Split Enz, Renee Geyer and Normie Rowe.
"There has been a fair bit of banter between bandmembers about the concept of actually playing together again," Seymour said, noting the group would perform two songs, Say Goodbye and Throw Your Arms Around Me.
"This is absolutely a one-off. No doubt about it."
Hunters and Collectors got together in 1981, breaking up in 1998.
The group's other hits include Holy Grail and When The River Runs Dry.
The new ARIA event is designed to honour performers, producers and songwriters who have had an impact on Australia's music industry.
It will be separate from the annual ARIA Music Awards, which have included their own Hall of Fame since they began in 1988.
The ARIA Icons Hall of Fame will be broadcast live on Foxtel channel VH1 on July 17 at 9pm (AEST).
The ARIAs will be held in Sydney in October.
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text:
Have Relationship Questions? Ask a Counselor for Answers ASAP
Hi, it's Dr. Mark. Give me a minute or so to read everything you've written here and I'll respond, okay?
First of all, yes, this is your life.
Help me understand what you mean by "narcissistic" about the exotic dancing. How are you seeing it?
well in all honesty (and again like i said in my post, i dont know if my thoughts are my own or social conditoining) but i have this worry that by partaking in this it only benefits myself, despite my curiousity for it. But at the same time, I can't say that becuase it provides entertainment and I too, go to strip clubs to watch females dance because it brings me joy
I see:
what you mean is that you think it may be unjustified to do this because it is not benefiting society, so to speak, is that accurate?
yes, and i fear that (in regards XXXXX XXXXX in particular) I would be surrounded by mainly self-centered narcisstic shallow people
Well, that is a good point.
I can't quite argue with you about that.
I am working right now in therapy in my private practice with a woman who was an exotic dancer
and so I don't know that you would be dealing with narcissistic people who are shallow when it comes to the dancers, necessarily.
there is rampant, almost 100% drug abuse
(that's what got her hospitalized)
and there is tremendous exploitation.
I don't know that it's different for men.
i'm not really worried about drug abuse at all, i'm more worried that i would only be surrounded by narcistic shallow people (mainly in modelling). And while, yes, a career in firefighting would be a greater befit to the world then let's say entertainment, if it's not me then it's not me - plain and simple. Things have to be done 100% from the heart
May I ask you a frank and open question?
ive come this far, so why not, go ahead
lay it out
Why do you have to be 100% this or that? Why
can't you commit yourself to dancing part time for, let's say, 2 years?
While you go to firefighting academy, for instance?
honestly dr mark, I have come to learn (through bad personal experiences with a lot of things) that time is something you can not get back. That and what if i fell in love with the wrong choice
i've made A LOT of mistakes in my life and i don't want to waste any more time
I understand this as an emotion. However,
you're 24
and therefore as a reality,
it's hard for me to understand, meaning in reality:
if you would become a dancer for 2 years, let's say you'd take a few months to find the right club, you'd be 26.5 or 27 when you retire.
And at the same time you'd be 2 years into firefighting academy.
Why would that have been wasting time and not an "adventure"?
that's a very good way to look at it
but what if i fall in love with it?
What would be wrong with that?
Other than that it's like being a pro athlete:
by the time you're about 30, you'd have to retire?
thats very deep ...
why am I thinking like this?
am I scared of something?
Like what?
What do you think you might be scared of?
this may sound kind of silly to you
but we are talking openly right?
so i'll be honest
As openly as we can
i'm a Christian, so therefore i believe in a higher power. I fear that I won't be doing God's work on earth with the time i have. And i stand pat on saying that exotic dancing and modelling for that matter is really just pure entertainment, nothing else. It's really no different than watching a basketball game, like you said. After all, I'd be a hypocrite if i said it was wrong because i myself go to female strip clubs, look at girls in magazines, watch porn, watch sports, etc. Does that make me a bad human being? NO, absolutely not
That adds a new dimension. So you feel that it's okay to enjoy it, but you're afraid that if you spend time being a dancer, then you'll be going against your values. Why not, then, dance for your girlfriend?
When you get a girlfriend?
can i be honest about that too?
Go ahead
there's a part of me that really wants to do it because I'm very comfortable with my sexuality and i want to express it fully. I want to entertain women. And also, I'm not really looking for a girlfriend. I just want to enjoy having sex with no strings attached and if love happens to find me, then it'll happen naturally
i dont think God would judge me for being a stripper or a model, i just fear i wouldn't be doing greater services in the world
after all, like i said, i feel there is absolutely nothing wrong with it
I'm not sure that being a stripper will get you women who are looking for one night stands.
I think you may get more gay requests from customers.
If "free" sex, no commitment, is what you are really looking for
then I think clubs or going back to college has more. What do you think?
i'm not doing stripping or modelling strictly for sex, im doing it becuase i really think i would enjoy the jobs themselves
Well, then maybe write a contract between you and G-d saying that you'll do this for 2 years and if you fall in love with it, you'll give it up anyways because you love G-d more than that. And you'll agree with the Creator that he gave you this opportunity to have an adventure in your youth. What do you think?
i like that
you wanna know something
i don't wXXXXX XXXXXve my life in fear. doing things based on fear - want to do things out of love
whatever they may be
Well, adventure is one way to live from love: you really are enthusiastic about doing this and it will be an adventure. But you need to include in your contract with G-d that if you take meth or any drug, even legal prescription drugs, that will be offered to you in that environment,
then the adventure has to stop there.
i WON't - so thats not an issue
Because I've had too many people come to me on the other side of having taken drugs casually and
so how about writing it into the contract?
Just for old Dr. Mark's peace of mind?
are you talking about using drugs or dancing itself?
taking drugs.
Good for you.
i personally don't like drugs
Then why not allow yourself to have this adventure?
I mean the dancing?
why not eh ....
Say that in positive terms, okay?
So, really you can pursue the firefighter option or the trainer option at the same time, agreed?
Wow, that's wonderful.
A lot of young people have to put their long term plans on hold in order to have an adventure. You get to do both. That's wonderful.
I believe what you're saying is resonating strongly in my soul.
I really just want to be happy
like everyone else in the universe
i don't want to do something good but have it drain my soul
because i know God wouldn't want that
are you farmiliar at all with the law of attraction?
Yes, but I don't know what you are referring to here with it. Can you explain?
the law of attraction states that what you put out, you get back. Like attracts like. So what I'm saying is if I really want something, and I do whatever it takes to get it, i'll get what I want back, which in this case is happiness, fun and adventure. If i do things that I really don't wanna do (based on fear rather than love), I will get back those very same feelings
I see, that's a very nice way to apply the law of attraction!
Feel good and enjoy the adventure!
Okay, I wish you the very best!
My goal is for you to feel like you've gotten Great Service from me and the site. If we need to continue the discussion for that to happen, then please feel free to reply and we'll continue working on this. If the answer has given you the help you need, please remember to give a rating of 5 (Great Service) or 4 (Informative and helpful), or even 3 (Got the job done) button. This will make sure that I am credited for the answer and you are not charged anything more than the deposit you already made by pressing any of these buttons. Bonuses are always appreciated! If I can be of further help with any issue now or in the future, just put "For Dr. Mark" in the front of your new question, and I'll be the one to answer it. All the best, XXXXX XXXXX
Thank you so much Dr. Mark! This is actually the second time you've helped me resolve a major issue in my life. Do you rember the last time we talked? Lol
Yes, I do. And I wish you the very best in your future. If you could give a rating before you leave, I'd be grateful. All the best, XXXXX XXXXX
Thank you. May the universe or whatever it is you believe in bless your soul and grant you your every wish
Take care. Bye =D
I also believe in G-d. All the best to you.


text:
Get an overview of this hotel3-star Lagoa apartment in Armacao de Pera, walk to Senhora da Rocha Beach
Collecting Nectar Points
Special Offer: Book by 2 August 2017 and collect double Nectar points!
Simply enter your Nectar card number when you check out. Your points will be credited 35 days after you return from your trip.
*Terms and conditions apply.
Popular property highlights
Located in Armacao de Pera, this apartment is within a 10-minute walk of Nossa Senhora da Rocha Chapel and Senhora da Rocha Beach. Cova Redonda Beach and Vale do Olival Beach are also within 2 mi (3 km).
Property Features
Along with 2 outdoor pools, this apartment has a restaurant and a bar/lounge. Self parking is free. Other amenities include a coffee shop/café, WiFi in public areas, and coffee/tea in a common area.
Room Amenities
All 185 apartments boast deep soaking tubs and offer WiFi and balconies. Living rooms and refrigerators are standard, as are TVs with satellite channels. Limited housekeeping is available.Information missing or incorrect? Tell us!Opens in a new window
Be Smart Terrace Algarve
Apartment Amenities
Apartment Amenities
Be Smart Terrace Algarve features 2 outdoor swimming pools and a children's pool. The apartment offers a restaurant and a coffee shop/café. A bar/lounge is on site where guests can unwind with a drink. Wired and wireless Internet access is available for a surcharge.
This Lagoa apartment also offers tour/ticket assistance, multilingual staff, and a garden. For a surcharge, the property provides a roundtrip airport shuttle (available on request) and a theme park shuttle. Complimentary self parking is available on site.
- Airport transportation (surcharge)
- Total number of rooms - 185
- Number of floors - 4
- Bar/lounge
- Breakfast available (surcharge)
- Coffee/tea in common areas
- Coffee shop or café
- Front desk (limited hours)
- Theme park shuttle (surcharge)
- Number of outdoor pools - 2
- WiFi (surcharge)
- Wired Internet access - surcharge
- Laundry facilities
- Multilingual staff
- Garden
- Luggage storage
- Restaurant
- Safe-deposit box at front desk
- Year Built 1990
- Train station pickup (surcharge)
- Free self parking
- Number of buildings/towers - 13
- Children's pool
- Tours/ticket assistance
Family Friendly Amenities
- Family Hotel
- Outdoor pools
- Children's pool
- Separate living room
- Laundry facilities
- Playground on site
- Full-sized refrigerator/freezer
- Microwave
Available in all rooms: Wireless internet access ( EUR 5.00 per day )
Available in some public areas: Wireless internet access ( EUR 5.00 per day ), Wired high-speed internet ( EUR 5.00 per hour )
Free self parking
Room Amenities
- Balcony
- Microwave
- Limited housekeeping
- Private bathroom
- Bidet
- Bathtub only
- Deep soaking bathtub
- Television
- In-room safe (surcharge)
- Satellite TV service
- WiFi (surcharge)
- Separate living room
- Cookware, dishware, and utensils
- Separate bedroom
- Full-sized refrigerator/freezer
- Stovetop
Where to Eat
English breakfasts are available for a surcharge and are served each morning between 8:00 AM and 10:00 AM.
Terrace - This restaurant serves breakfast and dinner. Guests can enjoy drinks at the bar.
Nearby Things to Do
2 outdoor swimming pools are on site along with a children's pool.
The recreational activities listed below are available either on site or nearby; fees may apply.
- Snorkeling nearby
- Surfing/boogie boarding nearby
- Sailing nearby
- Scuba diving nearby
- Water skiing nearby
- Windsurfing nearby
- Parasailing nearby
- Bicycle rentals on site
- Playground on site
- Scooter/moped rentals on site
- Boat tours nearby
Apartment Policies
Check-in time starts at 3 PM
Check-in time ends at 10:30 PM
Minimum check-in age is 18
Special check-in instructions:
Check-out time is 11 AM
Payment types
Children and extra beds
- Children are welcome.
- Rollaway/extra beds are available for EUR 15 per night.
- Cribs (infant beds) are available for EUR 1.50 per day.
- Pets not allowed
You need to know
Extra-person charges may apply and vary depending on property policy.
Government-issued photo identification and a credit card or cash deposit are required at check-in for incidental charges.
Special requests are subject to availability upon check-in and may incur additional charges. Special requests cannot be guaranteed.
- The name on the credit card used at check-in to pay for incidentals must be the primary name on the guestroom reservation.
No elevators
- Deposit: EUR 100.00 per stay
Optional extras
- Fee for English breakfast: EUR 6.50 for adults and EUR 2.75 for children (approximately)
- Fee for in-room wireless Internet: EUR 5.00 per day (rates may vary)
- Fee for wireless Internet in public areas: EUR 5.00 per day (rates may vary)
- Fee for wired Internet in public areas: EUR 5.00 per hour (rates may vary)
- Airport shuttle fee: EUR 55 per vehicle (one way)
- In-room safe fee: EUR 2.50 per day
- Crib (infant bed) fee: EUR 1.50 per day
- Rollaway bed fee: EUR 15 per night
Apartment Name
- Terrace Club Apartments Armacao de Pera
- Terrace Club Armacao de Pera
- Terrace Club Apartments Apartment Lagoa
- Terrace Club Apartments Apartment
- Terrace Club Apartments Lagoa
- Be Smart Terrace Algarve Apartment Lagoa
- Be Smart Terrace Algarve Apartment
- Be Smart Terrace Algarve Lagoa
We should mention
This property's policy is to refuse certain bookings for the purpose of group events or parties, including pre-wedding stag/bachelor and hen/bachelorette parties. This property offers transfers from the airport and train station (surcharges may apply). Guests must contact the property with arrival details 72 hours prior to arrival, using the contact information on the booking confirmation.


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text: Posted March 18, 2013 The only thing RL can possibly take from the 6N is the example of Italy: expansion teams are a long term proposition, stick with them. That's it! It's such a blindingly obvious point that if the RL powers that be don't know it already it what are they for? There is no point sticking pins in the map, even for strategically logical reasons, if the risks of failure are too high. The really important thing about expansion, demographic or geographic, is to play to your strengths. In Italy union had certain strengths: 1. Fans with deep pockets (as ever). 2. Ethnic connections to Argentina 3. Rome, a nice city break for said fans with a few quid. Apart from that I won't waste anymore of my diminishing years thinking about union. It's just so depressing in so many ways - not least that so many otherwise well adjusted people like it. If only those blazered buffoons in 1895 had shown a modicum of their self proclaimed sense of moral rectitude; you know, let their less well off players be compensated for lost earnings, professional "rugby" today would be near as damn it rugby league. And there'd be a "heritage" XV version for amateurs. Probably. Share this post Link to post Share on other sites


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Celia Brown
Celia Brown is a psychiatric survivor and leader in the movement for human rights in mental health. Celia has served on the MFI board for several years, including as MFI president. Celia leads MFI's United Nations team, and International committee. Celia is shown here speaking at an MFI protest directly in front of the American Psychiatric Association Annual Meeting. (Photo by Tom Olin)


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Best Of :: Food & Drink
Great moments in coffee history:1669: Louis XIV sends a single coffee seedling to Martinique, which begins the spread of the beverage through Central and South America.1670: Dutch introduce coffee to America. 1688: First coffeehouse opened in London by Edward Lloyd, who would later build the insurance giant Lloyd's of London.1878: Sanborn & Chase introduce coffee in tin cans.1901: First instant coffee sold (later marketed as Nescafé in 1939).1903: First decaffeinated coffee hits stores.2011: By-the-cup coffee shops open in Miami. There's not one, but three excellent places: Panther Coffee, Alaska Coffee Roasting Co., and Eternity Coffee Roasters. It's a worthy trio through and through; we give an edge to Eternity because we like the single-origin beans it uses, from the mountains of Kenya, Colombia, and Ethiopia (flavor notes for each bean are noted) — and, ultimately, we're enamored with the smooth, potent, nonacidic flavor of the finished brew. The beans are roasted in-house and prepared using the pour-over method — first they wet the filter with hot water, next the beans are ground, and then the water is poured ever so slowly into the coffee and filter, which rests in a glass funnel cone. Depending upon which bean you choose, the price of a calibrated 12-ounce cup is between $2.75 and $5.50; most are in the $3 range. Double espressos are exceptional as well ($2.85). Tables, chairs, and a long comfy couch are scattered about in the spacious room, which has free Wi-Fi. Desserts are tasty too, but it's the historically delectable cup of joe that brings us here again and again.
Nothing is more exciting than seeing the clock strike 5 p.m. when you're at work. You and your fellow employees dash to the front door of the office, elbow anyone who gets in your way, and head out in search of libation. We suggest Sandbar Sports Grill. Not only do the weekday happy hours offer half-priced drinks and appetizers from 4 to 7 p.m., but you can also catch almost any game on one of 26 TV sets. Sure, you might run into some UM frat bros on Thursday college nights, but the $3 bottled beer specials are worth it. The home of the fish taco also offers specials on the weekends. Grab a few $3.75 bloody marys on Saturdays and Sundays, or bring your paycheck stub in on Sundays to get 50 percent off your tab.
Though the Wynwood Arts District has evolved greatly in the past few years, its main strip has always been devoid of one key feature of any worthwhile neighborhood: a decent, no-nonsense, old-fashioned bar. Not to disrespect the venues serving drinks in the artsy area, but sometimes you just want to walk into a place with a 20-dollar bill in your pocket and leave with a few drinks in your gut. Thankfully, there's Wood Tavern. And tavern indeed is the perfect descriptor for this place, with wooden, brick, and plaid walls. There's also a buffalo head, a leprechaun statuette, and a profusion of comfy, vintage couches. Although it only opened this past December, the place has an air of familiarity. Of course, the sanely priced drinks including a pleasing selection of craft beers and signature cocktails, made us want to stick around. Forget familiarity, Wood is basically now our new best friend in Wynwood.
When you're looking for the velvet-rope experience without the South Beach parking hassle, Justin's Bar & Lounge has you covered. Promoted on Power 96 and El Zol 95, the club celebrates house, salsa, merengue, bachata, Top 40, hip-hop, and sports. The place offers ice-cold mojitos, a burning-hot dance floor, and VIP tables for very special bottle service (with $150 Grey Goose and Johnny Walker Black bottles). On weeknights, you can shoot a game of stick at the pool table, enjoy two-for-one drinks from 7 to 10 p.m., and get in with no cover charge. On Fridays and Saturdays, ladies enter free till midnight, dudes get in for $10 to $20, and the joint is packed with sexy Latinas, exotic Russian beauties, hombres, and Israeli playboys. Whether it's DJ Dudu, Berdugo, Empire, or E-Feezy on the decks, the music bangs, the people dance, and the liquor flows. Now that's what we call boozin'.
From the moment you buy your first brew, you half expect the other beer guzzlers to start chanting, "Chug, chug, chug, chug!" Owned by former Miami Hurricanes quarterback Craig Erickson, Hole in the Wall is a no-frills joint reminiscent of a college fraternity house's rec room. The décor consists of wood stools, benches, flat-screen TV sets, and a Galaga arcade game. There are also a couple of tables outside the entrance. Hole in the Wall is the spot to drink beer — and not any of those fancy microbrews either. Here, it's a steady stream of PBR, Budweiser, Miller Lite, and Yuengling. But connoisseurs can still get Guinness or Grolsch. The prices are hard to beat. Domestics run from $1.50 to $4 a glass, while imports go for $3.50 to $6. And you're gonna need a lot of cold lagers or ales to wash down the scrumptious chicken wings doused in Frank's RedHot sauce. A ten-wing platter costs $9. Or pig out on a 50-wing platter for $45 while watching the game with your friends. Hole in the Wall is open seven days a week from 11 a.m. to 11 p.m.
It was after midnight on a recent Saturday when we found ourselves playing some eight ball and knocking back shots of Jägermeister as White Snake's "Here I Go Again" bumped through the loudspeakers. Cigarette smoke wafted through the Billiard Club, a strip-mall bar and sports lounge that has been happily serving the hard-working, hard-drinking middle-class residents of Miami Lakes, west Hialeah, and Hialeah Gardens for the past 13 years. The vibe is so chill you won't be surprised when you strike up a friendly conversation with owner Peter Tesser and he rewards you and your party with a round of drinks. He's the type of guy who wants all of his customers to feel like they are visiting a relative's house to watch the big game or fight. Flat-screens hanging at the main bar and over the pool tables show pay-per-view sporting events every weekend with little or no cover charge. Drinks are moderately priced. A glass or bottle of beer won't cost you more than $6, and a stiff drink will set you back no more than $10. A full-service kitchen cooks up popular bar food items plus burgers, chicken wings, and a New York strip steak that'll melt in your mouth. The Billiard Club opens at 4 p.m. daily. Last call is at 3 a.m. on weekdays and 4 a.m. on weekends.


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Republican aides are circulating their summary of the White House's opening bid on the fiscal cliff. They're circulating it because they believe it fleshes out Speaker John Boehner's complaint that "the White House has to get serious." Above all, they're circulating it because the president isn't offering them anything in his opening bid.
Obama to GOP: I'm done negotiating with myself
Current Status: Published (4)
Seeded on Fri Nov 30, 2012 2:28 PM
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The Property Tax Statement is mailed by the end of each January, to the owner of record, as listed on the Tax Roll, as of January 1. The Tax Roll is prepared and maintained by the County Assessor.
**Failure to receive a Property Tax Statement does not exempt the taxpayer from timely payment of the taxes due**
If you have not received a tax statement by the first week of February, please contact the Treasurer's Office at (970) 498-7020 and a duplicate statement will be mailed.
Changes of address are processed by the Larimer County Assessor's Office and they must be notified in writing containing the owner's signature. The Assessor's mailing address is PO Box 1190, Fort Collins, CO 80522. You may also use Larimer County's online address change notification page to obtain a form to complete this request.
Name changes and other changes to property title require that proper legal documentation be prepared and recorded at the Larimer County Clerk and Recorder's Office. It is recommended that you seek the legal advice of an attorney or local title company in order to properly execute this type of change.
Property Taxes become due on January 1 for the previous year. Payments may be paid in two equal installments or in one full installment.
|February 28, 2017
|June 15, 2017
|May 1, 2017
**Only payments made in half or full amounts will be accepted. Partial payments are not accepted.
Certified funds in the form of cashier's checks or money orders are REQUIRED for all payments beginning September 1st.
If the total property tax amount is twenty-five dollars ($25.00) or less, the half-payment option is not allowed, therefore a single payment must be postmarked by the full payment due date referenced above.
If your payment is postmarked after the due dates referenced above, your payment may be rejected and delinquent interest will be added to the tax amount.
|February 28
|June 15
|May 1
|Month Paid
|Half Tax Option
1st Half
|Half Tax Option
2nd Half
|Full Tax Option
|June 15
|June 16 – 30
|The tax lien sale is held during this month.
Please contact our office at (970) 498-7020 for the amount due.
Ad Valorem taxes are based on the property value only, and not on the property owner's ability to pay. Any unpaid property taxes become delinquent June 16.
**Certified funds in the form of cashier's checks or money orders are REQUIRED for all payments beginning September 1st.**
Yes, current taxes may be paid with your online banking service. Make sure to include your tax schedule number with the payment. Please allow two weeks for processing and mailing of the payment to our office. Take this delay into account for tax payments near our deadlines. Payments not received timely will be returned and additional interest will be due.
Please make your payment to the Larimer County Treasurer, P.O. Box 2336, Fort Collins, CO 80522. For overnight payments, please mail to the 200 West Oak Street, Suite 2100, Fort Collins, CO 80521. To ensure accurate posting, please include the appropriate payment coupon and/or schedule number for each property you are paying.
You may also come to our office. We're located on the second floor of the Larimer County Courthouse, 200 West Oak St, Suite 2100, Fort Collins, CO. 80521 Office hours are Monday – Friday, 8 a.m. – 4:30 p.m.
Handicap access is located at both entrances of the Larimer County Courthouse. The Treasurer's Office is also handicap accessible.
Payments may also be made at most Larimer County banks. You must bring your tax statement with you when making payment at these locations. Banks will accept current year payments through July 31 only.
The settlement of tax liability rests with the buyer and seller or how it was handled, at the closing, by the Title company. If you have questions contact your realtor or the closing Title company.
The Treasurer's Office issues a Certificate of Taxes Due for $10.00. This provides both the buyer and seller all current taxing information.
If you bought property in the last half of the year, the former owner may receive the statement. The County Assessor requires time to process your recorded deed. Please contact the Treasurer's Office if you have not received a property tax statement by the first week of February.
Colorado Revised Statutes mandate that the Treasurer mail the Property Tax Statement to the owner of record, as their name and address are listed on the Tax Roll certified by the County Assessor. Therefore, your mortgage company does not receive a copy of the Property Tax Statement. Most mortgage companies perform their own research on the property taxes they are responsible for by your contractual agreement. If you feel your mortgage company needs a copy of your Property Tax Statement, simply send them a photocopy or contact the Treasurer's Office for an additional copy. The fee is $2.00.
If you and your mortgage company submit payment, the Treasurer will process the first payment received and return the subsequent payment to the paying party. The Treasurer does not hold or apply additional monies. For further mortgage company payment information contact the Treasurer's Office at (970) 498-7032, or via email.
Ad Valorem taxes are based on value only, and not on the property owner's ability to pay. Any unpaid real property taxes become delinquent June 16. If the taxes continue to go unpaid, real property Tax Liens are sold in the last quarter of the year they become delinquent at Tax Lien Sale. You have three (3) years to redeem the tax lien, at which point the lien holder has the option to apply for a Treasurer's Deed.
For more information on personal property taxes, please review our personal property information page.
The amount of annual taxes for a property is the result of the assessment process and the total mill levies for the taxing authorities that provide public services. The County Assessor establishes the value of all property for tax purposes. The taxing authorities use the assessed value to determine their mill levies. A mill is 1/10th of a penny or $1.00 revenue for each $1,000 of assessed valuation. Information concerning the tax levy can be obtained by contacting the governing boards of the taxing entities. Please see the next section for a listing of some of the Larimer County taxing entities.
Residential lots with an improvement or mobile homes. To calculate your taxes take the actual value of your property and multiply by 7.96% to get the assessed value. Take the assessed value and multiply by the mill levy for the district where your property is located. Divide by 1,000 to get the tax amount.
Commercial or unimproved residential lots. To calculate your taxes take the actual value of your property and multiply by 29% to get the assessed value. Take the assessed value and multiply by the mill levy for the district where your property is located. Divide by 1,000 to get the tax amount.
Taxes pay for local government services. Your tax money supports and provides for the following:
Cities and Towns
Police and Fire Protection
Health Services
County and City Roads
Water and Sewer Lines
Public Libraries
Recreation and Parks
Real Property is considered to be permanently fixed in nature (land and improvements on the land). Improvements include all structures, buildings, fixtures, fences, and water rights. Personal Property is generally known as portable or moveable items such as equipment or furniture used in the production of income.
Yes, a Tax Deferral (delay) Program is available to senior citizens, whereby the State of Colorado pays the taxes on your residence and holds a lien on your property until it is sold, or changes are made to your qualifications. The annual percentage rate set by state statutes is 7%. An individual must be 65 or older as of January 1 of the year claimed. Please contact the Treasurer's Office at (970) 498-7027, or via email for further information.
Also, the Senior Citizens Property Tax Work-Off Program provides senior residents of Larimer County an opportunity to temporarily work for Larimer County and, in turn, reduce the burden of their property tax bills. The program has been in existence since 1981 and is funded by the Larimer County general fund dollars. The Human Services Department offers this program, as well as, other programs for the senior citizens of Larimer County. See the Office on Aging.
Eligibility for the Senior Homestead Exemption is determined by the Assessor's Office.
For more information regarding the program see the Assessor's Homestead Exemption brochure. Or you may call the Assessor's Office at (970) 498-7050.
Yes, the Treasurer collects City and County Improvement Liens when certified to the Office of the Treasurer in accordance with Colorado Revised Statutes. These liens are called Special Assessment Liens.
A significant portion of special assessments are for road and/or water or sewer improvements. These special assessments are often billed in installments of 10-20 years. In addition, there are special assessments for delinquent utility billings, such as overdue water and sanitation bills and overdue weed control bills. These particular assessments are billed as single installment special assessments. We have several taxing authorities that submit special assessments for collection. Among them are the Town of Berthoud, the Town of Wellington, the City of Loveland, the City of Fort Collins, Spring Canyon Water and Sanitation District and the Larimer County Engineering department. These authorities submit a variety of special assessments to the county for collection.
They become a perpetual lien in the amount of assessment against each lot or tract of land and have priority over all other liens except the general property tax lien.
**Do not ignore the importance of these special assessment liens.**
Special Assessment Liens that remain unpaid are sold at the Annual Tax Lien Sale conducted by the Treasurer in the same manner as delinquent property taxes. However, a homeowner or property owner with a mortgage on the property may place their mortgage in jeopardy by failure to pay a Special Assessment Lien, resulting in the mortgage company enacting foreclosure procedures.
**When an annual installment becomes delinquent, the entire remaining balance of the assessment becomes delinquent.
Payment of the assessment can no longer be paid in installments. The entire remaining amount must be paid in full.**
Not necessarily. Owners of property may petition to have the City or County construct the improvements. The City or County may initiate this action directly by passing a resolution to construct such improvements and assess the property benefited.
For further information about property taxation and collection, please contact the Treasurer's Office at (970) 498-7020.


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Israel Hernandez Killing: Soldier Beaten by Officer Jorge Mercado Says He Was Forced to Drop Complaint
A soldier wrongly beaten and arrested by Jorge Mercado -- the Miami Beach Police officer who Tasered teenage tagger Israel Hernandez before he died -- says he and another service member were forced to quash their complaint in order to save their families and careers.
Luis Maldonado says he and buddy Randy Vega faced a painful choice: either drop their complaint against Mercado and three other Beach cops, or drop out of the military to fight the bogus charges.
"The overwhelmingly negative effects that such a pending court battle would have had on our careers was not something we could afford to endure or put our families through," Maldonado said in a letter to Riptide. "For these reasons, we chose to remove ourselves from this situation knowing full well that somewhere down the line, these police officers would eventually seriously injure or kill some other individual."
See also: Cop Who Tasered Israel Hernandez Was Once Accused of Tasering, Beating Iraq War Veteran
Maldonado and Vega were arrested in 2008 after Mercado and three other cops allegedly burst into their South Beach hotel room and began beating the two soldiers for no reason. Vega, just back from a stint in Iraq, was Tasered.
Israel Hernandez died after Jorge Mercado Tasered him August 6.
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The two men were charged with battery on a law enforcement officer and resisting arrest. But Maldonado and Vega wrote to a congressman in their native New Jersey to complain about police brutality.
The charges against the soldiers were eventually dismissed, but only when they agreed to drop their demand for an investigation into Mercado.
In his letter to Riptide, Maldonado slams "the degree of corruption that permeates Miami's law enforcement system" and says the deal was the only way to avoid ruining the soldiers' personal and professional lives.
But he also seems to have regrets, admitting he suspected that "these police officers would eventually seriously injure or kill some other individual" in the future.
Here is the full text of Maldonado's letter, as emailed to Riptide:
I just read your article and am actually very happy that someone has decided to highlight the lack of integrity and professional conduct exhibited by Jorge Mercado and other officers who, unfortunately, continue to serve as sworn police officers. I would like to provide some additional information to illuminate the degree of corruption that permeates Miami's law enforcement system.
The charges that were levied against us were dropped for one reason alone. Randy and I signed an agreement, drafted by the district attorney, that essentially provided assurances to the police department that we would not go forward with any lawsuits in exchange for the charges being dropped.
Bear in mind that this was in our complete interests because we were in no position to pursue a prolonged court battle due to our overriding military obligations. In order to deal with an out-of-state court proceeding, we would be forced to be away from our place of duty while using personal leave and spending our own earnings. Additionally, the overwhelmingly negative effects that such a pending court battle would have had on our careers was not something we could afford to endure or put our families through.
For these reasons, we chose to remove ourselves from this situation knowing full well that somewhere down the line, these police officers would eventually seriously injure or kill some other individual.
Lou Maldonado
Deployed Location
Mercado has been put on leave while the FDLE conducts an independent review of the arrest that led to Hernandez's death. A group of MBPD officers chased the teen for nearly ten minutes after seeing him tagging an abandoned McDonald's, and then used a Taser on the young artist when he didn't obey commands to stop. Hernandez died moments later.
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Application of near infrared spectroscopy for the determination of adsorbed p-nitrophenol on HDTMA organoclay –implications for the removal of organic pollutants from water
Frost, Ray L., Zhou, Qin, Xi, Yunfei, & He, Hongping (2008) Application of near infrared spectroscopy for the determination of adsorbed p-nitrophenol on HDTMA organoclay –implications for the removal of organic pollutants from water. Spectrochimica Acta Part A : Molecular and Biomolecular Spectroscopy, 69(3), pp. 835-841.
|PDF (208kB)
NIR spectroscopy has been used to measure the adsorption of p-nitrophenol on untreated montmorillonite and surfactant exchanged montmorillonite. P-nitrophenol is characterised by an intense NIR band at 8890 cm-1 which shifts to 8840 cm-1 upon adsorption on organoclay. The band was not observed for p-nitrophenol adsorbed on untreated montmorillonite. Both the montmorillonite and the surfactant modified montmorillonite are characterised by NIR bands at 7061 and 6791 cm-1. The organoclay is characterised by two prominent bands at 5871 and 5667 cm-1 assigned to the fundamental overtones of the mid-IR bands at 2916 and 2850 cm-1. A band at 6017 cm-1 is attributed to the p-nitrophenol adsorbed on the organoclay. The band is not observed for the montmorillonite with adsorbed p-nitrophenol. It is concluded that p-nitrophenol is adsorbed to significantly greater amounts on the organoclay compared with the untreated montmorillonite. The implication is that organoclays are most useful for removing organic molecules from water through adsorption.
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Created to bring happiness to your everyday life, founders Viktor Tell and Mikael Söderlindh aim to produce socks that are not only durable and comfortable to wear, but will also brighten up any outfit with their colors and patterns. The Curtis Kulig x Happy Socks are a collaboration with painter and photographer Curtis Kulig, the man behind the ubiquitous "Love Me" artwork. Available now in red/white.
For more information about returns please click here.


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Cornestone credit unions in Arkansas, Oklahoma and Texas may apply for an Annual Training Calendar Grant to attend professional development training and education workshops and conferences offered by or through the Cornerstone Credit Union League or industry related organizations. Grant applications may be submitted for a variety of professional development opportunities including, but not limited to, the following: conferences, ALM training, seminars, NCUA fiduciary requirement training, webinars, and CUDE certification. Those wishing to enroll in Southwest CUNA Management school may also apply for an SCMS scholarship (this is done through a separate application).
Credit unions may receive one Training Calendar Grant per calendar year for professional development. However, a training calendar grant application may include a request for more than one training or education event (i.e. training calendar). For example, an application may be submitted for a training calendar that could include Cornerstone Credit Union League Leadership Conference, ALM training, and Marketing Conference. Different individuals from the credit union may attend different events.
The Cornerstone Credit Union Foundation embraces the credit union philosophy, "People Helping People," with a special emphasis on financial education. Credit unions and other credit union affiliated or partner organizations that offer financial education programs or services to their members, constituents, or stakeholders may apply for a Financial Education Grant.
Credit unions - Credit unions that have applied for a training calendar grant may also apply for a Financial Education Grant, so long as the grant will support a community or member outreach program, and incorporates a financial education component.
Partner organizations - Partner organizations are required to have credit union involvement associated with grant requests, such as utilizing credit union volunteers, programs for credit union members, and community collaborations. Sound financial management must also be demonstrated by the applicant. Eligible non-credit union related partners may include:
Credit union chapters serve a very important purpose in the credit union system. They are a source of professional and organizational development, local credit union awareness and community outreach. Credit union chapters are also a centralized source of connection to credit unions for the community. The Chapter Grants Program provides support for the Cornerstone Credit Union League chapter program, as well as a recognition opportunity both locally and within the industry. Chapters may receive annually up to $2,000 in grants for one or a combination of programs.
Professional development and education - Foundation Chapter Grants can be used to bring in a training or education program that will be beneficial to member credit unions.
Chapter scholarship program - Chapters may elect to sponsor a scholarship for local students on behalf of the chapter and the Foundation. This program would benefit local students, create awareness and loyalty for local credit unions and highlight the social mission of all credit unions.
Chapter community outreach program - A chapter community outreach program can be a combined effort by member credit unions to benefit the community. This can include reality fairs, retirement fairs, joint sponsorship of a community financial education program, offer VITA sites during the tax season, or local credit union awareness campaigns or events.
Whether a tornado in Oklahoma or a hurricane on the Gulf Coast, credit unions are known for their quick and generous support of disaster relief efforts. The Cornerstone Credit Union Foundation is able to respond to disasters because of credit unions' commitment to "people helping people." Working together with other Leagues, CUNA, the National Credit Union Foundation, and affected credit unions, funds are distributed directly to those credit union staff and board members in need so they can stabilize their lives and continue to serve their members.
The Foundation has established a three-phase process when natural disasters occur:
Phase I emergency grants - provided to credit union employees and board members to assist with immediate disaster relief needs, such as out-of-pocket costs that may result from being evacuated.
Phase II grants - intended to assist credit union employees and board members with significant needs. This is implemented only after the distribution of phase one grants.
Phase III grants - intended to follow-up with those credit union employees and board members who suffered catastrophic loss and are still needing assistance after phase two grants have been distributed. This phase begins 180 days after the respective disaster and is dependent on the funds available.
Learn more about the disaster relief program.
The Cornerstone Credit Union League's Community Investment Fund (CIF) is managed by the Cornerstone Credit Union Foundation. All CIF grants are approved by a separate grants committee than the general Foundation grants.
The CIF Development Fund Grant is a valuable source and opportunity credit unions can take advantage of to advance their credit union in several ways that will benefit them, and in return, allow them to serve their members and community more effectively. This fund is comprised of investment income from other credit unions that chose to designate their Community Investment Fund investments to support and promote the true development of credit unions. Credit unions do not have to be investors to receive a CIF Development grant. However, credit unions who do participate in the CIF investment create a win-win opportunity for themselves and for the industry.
Grant applications may be submitted for a variety of credit union development options including, but not limited to, the following:
With Hispanics becoming the nation's fastest growing minority, many credit unions are making it a priority to fulfill the needs and earn the trust of this underserved marketing. The Richard L. Ensweiler Fund allows credit unions to specifically designate their Community Investment Fund investments to promoting Hispanic outreach initiatives.
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