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Partnering With An FDIC Bank by Gus Dahleh(1)
Why is partnering with an FDIC Bank a wise decision?
First of all, Partnering with an FDIC bank will essentially allow access to funds with very low interest rates. The banks can borrow money from each other at the interest rate at which FDIC Banks lend money to each other. FDIC banks are not subject to state mortgage lender laws. FDIC banks are characteristically overseen by the Office of the Comptroller of the Currency, which is an agency within the U.S. Treasury Department, pursuant to the National Bank Act.
FDIC banks can service their own products. Mortgage banks, in most cases, are contractually barred by covenants in their warehouse line agreements from servicing loans closed with warehouse funds. Also, the interest rate on funds borrowed from the warehouse facility is high enough that they quickly make a loan unprofitable.
Partnering with an FDIC Bank to manage turbulence
Because mortgage banks are mostly in the business of originating residential home loans (purchase and refinance loans), the residential housing crash, with the resulting economic problems, has caused many issues for businesses that are completely tied in with the market. In response to our economic issues, mortgage banks have gone out of business or sought to affiliate or partner with FDIC banks because they are better able to manage changes in the home loan market for the following reasons.
While the level of inspection aimed by the OCC is noticeably more intense, FDIC banks that partner with clients are usually relieved from state-imposed mortgage-loan originator licensing requirements. This permits FDIC banks to hire loan originators who might not otherwise be able to obtain state licensing because of bankruptcy filings or other non-financially related criminal histories.
For the past year, the Fed Fund Rate has been 0.25 percent (one-quarter of 1 percent). FDIC banks borrow money directly from a Federal Reserve Bank (at the Federal Discount Rate). For the past year, the Federal Discount Rate has been 0.75 percent (three-quarters of 1 percent).
Pit falls of partnering with an FDIC Bank
Joining forces with an FDIC bank doesn't come without problems/limitations. For example, careful thought should be given to the transition in order to compartmentalize liabilities in each respective entity and to avoid successor liability concerns.
Mortgage bankers moving to an FDIC bank platform should be informed that financial regulations on the FDIC side are increasingly more complicated and closely scrutinized by regulators. Care must be taken to avoid any fast and loose work when the OCC is evaluating a company partnering with an FDIC bank.
Author "Gus Dahleh" is a sales leader who is owner of GusDahleh.com and is rather dedicated to providing readers with important as well as useful information and facts. Take a look at the following website link for more info on why its beneficial partnering with an FDIC bank.
Understanding Chicago Mortgage Loans(1)
Understanding Chicago Mortgage Loans
Only the most organized and financially knowledgeable mortgage borrowers can locate the lowest Chicago mortgage rates without additional assistance. Luckily for the average person, there is my blog available to help out. Your search for the most premium mortgage loan can be described in the following steps:
With the information and tips provided on my website, you can gain insight about the types of Chicago mortgage loans and rates, getting you ready for your first Chicago mortgage loan.
Fixed Rate Chicago Mortgage Loans
For people with a low tolerance risk, a fixed-rate mortgage loan (FRM) could be the right choice. Many Chicago area borrowers favor the fixed-rate mortgage structure because of the security of a locked-in rate and the predictability of the monthly payment amount. FRMs are also wholly remunerating, so there are no balloon payments that need to be refinanced. Often times, FRM's mature in 30 years, but there are shorter and longer terms obtainable. Through understanding your budget, you can obtain the lowest rate fixed-rate Chicago mortgage by choosing one with the shortest payoff term.
Comparing Chicago Mortgage Loans
The best way to save money on your mortgage loan is to collect a set of written offers. Start by contacting any qualified and knowledgeable mortgage broker, including myself, and find out what kinds of services they are offering.
Don't make your final loan decision based on just the payment amount. Sometimes a low payment works well for a budget, but only up to a point. A low payment usually means a slower rate of payoff. Belated debt payoff commonly raises interest costs and reduces the build-up of home equity. Since the penalties may not be directly obvious, you should sort your mortgage offers by loan type primarily. Review any FRM quotes together, and then individually look over your adjustable-rate mortgage (ARM) offers. Make sure you are finalizing your decision based on carefully assessing your personal needs and what your budget constraints are.
To summarize, build a collection of mortgage loan offers and carefully look over them to make the right decision based on your own needs. Your top priority should be to fully understand the different types of fixed-rate and adjustable-rate mortgages available in Chicago.
Article author Gus Dahleh of Bridgeview Bank is a proficient mortgage expert dedicated to bringing his readers important and also useful information. Would you like a free mortgage quote? Check out the following website for a no-cost quote and expert suggestions on helping you discover the best Chicago mortgage loans.
Locating the Best Milwaukee Mortgage Rates by Gus Dahleh(1)
Milwaukee Mortgage Rates by Gus Dahleh:
Due to today's historically competitive loan rates, a large amount of folks throughout the Windy City are generally asking about how they could attain the most beneficial Milwaukee refinance rates rates. The following are a couple of pointers to help consumers identify the hottest deal.:
Broker Vs. Banker:
Studying Closing Cost Structures and How These Institution's Bring In Revenue can be Critical to Acquiring You the Best Milwaukee Mortgage Rates with Gus Dahleh:
It is crucial you grasp that Broker organizations commonly have the cheapest expenses which will mean the absolute lowest rates. Nonetheless, quite a few borrowers still frown upon them because they also typically delegate many of the important services that involve getting your loan closed and that can lead to some of the head aches stated above in Tip #1. Conversely, the "Big Banks" including Wells Fargo, Chase, and Citi provide the absolute highest overhead costs and that usually end up charged to to the buyer in undesirable rates. The "Big Banks" have substantial continuing carrying costs such as billboards, tv and radio commercials, web banner advertisements, numerous levels of operations, loss mitigation departments, legal departments, and on and on. For this reason, you can typically obtain the best Milwaukee mortgage rates by selecting the lender in the middle of the spectrum: the mortgage bankers. Mortgage bankers generally have relatively low expenses yet nevertheless have the control of crucial services in house, specifically underwriting and closing departments.
Lenders Closing Costs and Getting the Best Milwaukee Mortgage Rates with Gus Dahleh:
You may have seen several banks advertising and marketing "no closing costs", particularly on refinances. Be cautious though because quite often they've already built those fees in to the rate one way or another. For instance, it should be up to you the borrower whether you'd like the closing expenses paid at closing in cash, built in to the new transaction, or, paid for by the lender but in exchange for a marginally increased interest rate. In general with mortgage bankers like Bridgeview Bank, they could cover the majority of or all your closing expenses and also still enable you to get a rate that is lower compared with any of the "big banks".
Article writer "Gus Dahleh" is a sales innovator who is owner of GusDahleh.com and is focused to delivering readers with important and also helpful tips. Find out more about the following link for a Complimentary refinance assessment as well as skilled assistance on how to obtain the best Milwaukee mortgage rates with Gus Dahleh.
How to Find the Best Washington Mortgage RatesComments Off on How to Find the Best Washington Mortgage Rates
Finding the Best Washington Mortgage Rates:
With today's historically competitive mortgage rates, many folks within Seattle, Tacoma, Spokane, and Vancouver appear to be asking what the best way is to obtain the best washington mortgage rates. Here are a few suggestions to assist consumers in identifying the best mortgage rates:
Broker Vs. Banker:
There can be two main types of mortgage providers to consider. The first are brokers who from a technical perspective tend not to fund the transactions using their own money, nevertheless they generally feature the greatest selection of secondary market investors to place the mortgage loans with (these "big banks" being Wells Fargo, Citibank, Chase, and GMAC just to name a few). The downside connected with a broker not utilizing their own funds to actually close your transaction is their outsourcing of essential services. This will sometimes bring about extra headaches for borrowers hoping for the easiest transaction conceivable. As opposed to brokers, mortgage bankers are similar but almost always have in-house underwriters that approve the transaction to fund and they ultimately close the mortgage loans independently which gives them the last authority in accepting closing conditions.
Understanding Cost Structures and How These Banks Bring In Money is really Crucial to Getting You the Very Best Washington Mortgage Rates
It is crucial you fully understand that Broker organizations usually have the smallest expenses which could mean the absolute lowest rates. However, a large number of buyers still shy away from them because they also commonly outsource many of the important aspects that go into getting your loan to the closing table and that can bring about some of the head aches outlined above in Tip #1. On the other hand, the "Big Investors" such as Wells Fargo, Chase, and Citi have the absolute greatest expenses and that often end up charged to to the customer in the form of undesirable rates. The Big Banks have to carry enormous on-going expenses such as billboards, tv and radio commercials, web banner advertisements, countless levels of operations, loss mitigation departments, legal departments, and the list goes on. Due to this, you can usually getgoing with the lender in the middle of the spectrum: the mortgage bankers. Mortgage bankers usually possess relatively low overhead costs however still have the control of crucial services in-house, specifically underwriting and closing departments.
You may have seen some lenders advertising and marketing no costs, especially for refinance transactions. Be cautious though because in most cases they have rolled those fees into the rate in one way or another. For instance, it should be up to you whether you'd prefer the closing fees paid at closing in cash, built into the new mortgage, or, taken care of by the mortgage lender but in exchange for a slightly increased interest rate. Characteristically with mortgage bankers that include Bridgeview Bank, they might cover the majority of or all of your closing costs and still get you a rate that is more favorable compared with any of the "big banks".
Article author "Joe Mortgage" is a sales pioneer who is owner of hotratequote.com and is focused to delivering his subscribers with important and also valuable information. Take a look at the following url for a Zero cost refinance consulting as well as knowledgeable assistance on how to obtain the best washington mortgage rates.
Chicago Home Loans – How to Compare the Best Lenders?(1)
Locating the Best Chicago Home Loans
Because of today?s historically competitive loan rates, countless folks within the Windy City are generally asking ways they can attain the most beneficial Chicago harp refinance rates. Here are a couple of ideas for helping shoppers source the hottest deal.:
Chicago Home Loans – Broker Vs. Banker:
Understanding Price Structures and How These Institution's Bring In Revenue is Significant to Getting You the Best Chicago Home Loans:
It is essential to realize that Broker businesses commonly have the lowest overhead costs which will result in the absolute lowest rates. Even so, countless consumers still frown upon them because they also generally use outside agencies for many of the necessary services that involve getting your loan to the closing table which might bring about a few of the headaches described above in Tip Number 1. Conversely, the
Lenders Closing Costs and Finding the Best Chicago Home Loans:
You may have seen several lenders advertising and marketing "no costs", primarily for refi transactions. Use caution though because quite often they already have rolled those costs in to the rate in one way or another. For example, it should be up to you the shopper whether you'd like the closing fees paid at closing with cash, rolled into the new transaction, or, paid for by the mortgage lender but in exchange for a marginally greater rate. Traditionally with mortgage bankers including Bridgeview Bank, they're now able to pay for the majority of or all of your closing expenses and also still get you a rate that is lower compared to any of the "big banks".
Blogger "Joe Mortgage" is a sales innovator who is owner of hotratequote.com and is rather committed to delivering readers with pertinent and also helpful advice. Find out more about the following hyperlink for a 100 % free refinance consultation and professional counsel on how to obtain the best chicago home loans.
Information About Rent-to-Own Purchase Transactions(1)
What's a Rent-to-Own?
Men and women that are desperate to have their own property, but cannot pay for to to get a whole new home, there's one alternative that they can do to pay for it. It's the alternative of rent-to-own. The lease to own alternative is this sort of another that's gaining reputation with customers and retailers alike. This informative article discusses the details about lease to own that can serve as a information for everyone who wishes to make it happen.
Just before everything else, I'd prefer to commence by discussing what rent-to-own is. Rent-to-own is surely an arrangement that is created between the vendor of a housing home and likely purchaser who for a single explanation or an additional is unwilling or not able to undertake and commit by themselves to some conventional revenue transaction. The arrangement will permit the likely purchaser to live in the actual estate property as being a renter for the specified level of time ahead of a last revenue contract must be consummated.
Why a rent-to-own may be right for you:
1. They do not have the essential funds down payment for the conventional property loan. Rent-to-own arrangement allows them to maneuver into a new property as renters with a reduce down payment.
2. They have loan problems that's why these are not able to secure a loan.
3. They can boost their credit score rating whenever they lease which can then capable them to avail for the larger property loan.
4. Sellers of rent-to-own homes benefit in this sort of transaction when they promote their homes once the marketplace is down.
5. Sellers get inactive earnings from the month-to-month payment with the renters plus they can collect a lot more money above time with a hire to individual arrangement than with a immediate sale.
How a rent-to-own transaction works:
As previously stated, Rent-to-own can be an arrangement that is produced among the vendor of your real-estate property and likely purchaser who for one particular reason or an additional is unwilling or not able to undertake and commit by themselves into a traditional profits transaction. The marketing price tag with the residence is negotiated among the 2 celebrations, as will be the date by which the buyer/renter need to finalize the sale together with the seller/landlord. It enables buyers to live in the new residence, shell out month-to-month hire for the offered timeframe, give the asked down payment plus they may have the home as their very own when all of the funds had been settled and entirely compensated.
An increasing number of individuals are finding this sort of property owning arrangement a great way to have their own ownership compared to the standard property owning procedure. It lessens the fiscal burden that's associated with all the standard property owning.
Author Joe Karns is a seasoned mortgage banker and master of teaching you about HARP 2.0 Eligibility, is dedicated to bringing his subscribers relevant and useful information. Want to learn more about this topic? Click here for a free consultation on how to approach the seller of a property about structuring a Rent-to-Own.
HARP Eligibility – 2.0 Calculator(38)
HARP Eligibility Calculator
The new HARP 2.0 program seems to be all the rave these days as it is designed to help folks refinance who are deeply "under water". Still, for most it is still difficult to decipher whether or not their loan and scenario qualify. So what determines HARP eligibility? Here's a few easy questions to help you figure it out:
HARP Eligibility Question #1 – Is your loan currently owned or guaranteed by Fannie or Freddie?
An easy way to validate this first step of HARP eligibility is to check on each of their websites: Fannie: http://www.fanniemae.com/loanlookup/ and Freddie: https://ww3.freddiemac.com/corporate/ If the answer to this is YES, then you've passed the first question of HARP eligibility.
HARP Eligibility Question #2 – Did your existing loan close on or before May 31st of 2009?
If the answer to this question is YES, then you've passed the second question of HARP eligibility. Only loans that were funded AND guaranteed/sold to Fannie or Freddie prior to 5/31/09 are eligible for HARP 2.0.
HARP Eligibility Question #3 – Have you utilized the HARP program already since June 1st of 2009?
If the answer to this question is NO, then you've passed the third question of HARP eligibility. The Government apparently doesn't want you to have already taken advantage of the HARP program.
HARP Eligibility Question #4 – Have you been current on your mortgage payments for the last six(6) months AND have you had no more than one(1) 30-day late payment within the last twelve(12) months?
If you've answered this last two-part question as YES, then you've passed question #4. Borrowers must not have had more than one late payment within the last 12 months and no late payments at all during the last six months to be eligible for HARP 2.0.
HARP Eligibility Question #5 – Is your home's mortgage within the allowable conforming loan limit for your area? ($417,000 for most areas but check the Fannie Mae website to double check what the max is in your area).
If you answered this as YES and your mortgage amount is within the allowable conforming limit for your area, then you've passed question #5.
HARP Eligibility Question #6 – Is your mortgage currently at 80% LTV (loan to value) or higher?
In other words, do you currently have less than 20% equity in your home based on today's value? If so, then you've passed question #6.
If you've answered all of these question correctly then it appears as if you've passed and you MAY be eligible for a HARP 2.0 refiannce. You may also qualify for the "no appraisal / streamline" version which means even less headaches. To find out if you qualify for sure and what the rates/terms would be, contact a certified mortgage banker today:
Author Joe Karns is a seasoned mortgage banker and master of getting you the HARP 2.0 Eligibility, is dedicated to bringing his subscribers relevant and useful information. Want a free mortgage checkup? Check out Joe Karns at the following link for more a FREE refinance consultation. Or, click here for a free quote and to determine your HARP Eligibility.
Best HARP 2.0 Rates(3)
Best HARP 2.0 Rates
One of the top questions from homeowner's these days seems to be, "What lender can get me the best HARP 2.0 rates on my refinance?", but this question should actually be second to the most important factor: "What lender can even do my HARP refinance?". Unlike most standardized mortgage programs we've all come to know, there are many factors that will determine which lenders can complete your transaction. There are also different "pricing hits" for various aspects of your scenario which are important to know before you start your search for the best HARP 2.0 rates. In this piece we'll be focusing on how to best educate yourself on the potential pricing hits:
Best HARP 2.0 Rates – Loan Level Hits to Watch for:
Harp 2.0 – Making Home Affordable Refinance Program – Valiant Enough Effort?(2)
Making Home Affordable Refinance Program
Many homeowners have been inquiring about how the new "Making Home Affordable Refinance Program", also known as "HARP 2.0", can benefit them. So what can Making Home Affordable do for you? In short, this newer version improves on the initial HARP program by removing the 125% LTV limitation. However, there don't seem to be any of the "big banks" who are servicing the majority of the country's existing mortgages stepping up and actually adopting these new capabilities, unless that is, you already have your loan with them.
Making Home Affordable Refinance Program – Who gets access and it enough?
How to Find the Best Refinance Lenders in Today's Market(1)
Best Refinance Lenders – How to find the pro's?
During the past couple years in which the mortgage market has been in turmoil, determining who are the best refinance lenders has become a real challenge. While current interest rates are still at historic lows, the fact remains that the lending guidelines have tightened up to a degree that is unprecedented. So much, in fact, that the average loan officer has trouble keeping up with the constant guideline changes and hoping to provide a high level of customer service. This challenge is resulting in the weaker loan officers leaving the industry and the pro's within the best refinance lenders now getting the lion's share of the market.
During your search for the best refinance lenders, its crucial to remember that the same primary hot buttons remain unchanged:
1) Keep in mind that the lenders with the lowest rates may not be the best deal overall. Even the best refinance lenders often forget to properly disclose the fact that their apparently low rate includes "discount points". This additional fee may be getting you what appears to be a great low rate, but you do not necessarily need to pay any additional fees to get a good rate. Always ask even the best refinance lenders to give you options and proceed carefully.
How to find the best refinance lenders?
Whenever you embark on a search for the best refinance lenders, you will find numerous lenders trying to attract you with their seemingly lucrative offers. However, you must know that not all of them can offer you the best loan. Some of the best refinance lenders' reputable brand comes from millions of dollars they spend on expensive advertising. Those TV ads and billboards may help you recognize their brand, but it works against you in regard to their ability to get you the lowest rate. All that overhead costs money, some of which is passed down to you, the customer. The key to remember is that the best refinance lenders are not always the ones with the most well known brand name. Do your research on websites like HotRateQuote to compare mortgage rates and terms so you have all the necessary information to form an education decision.
Here are some points to consider while searching for the best refinance lenders for your your home loan:
1) Start by leveraging the power of the internet. A simple search for the best refinance lenders on online will yield thousands of results, but the key is to start with the more reputable "portal sites" such as BankRate.com, LendingTree.com, and HotRateQuote.com. Try to not be diverted by flashy-looking promotional ad banners and buzz word offers but instead try and focus on the numbers: rates, APR, total fees, etc. These websites have gotten really good and organizing the best refinance lenders' rates and terms so check to see what the top 3-5 offers appear to be within the name loan type category.
2) Be weary of excessive fees. In most cases, the "lowest rate" offer often comes with some hidden costs, which can quickly add up since they are usually percentage-based figures tied to the loan amount. These extra costs, also known as " junk fees", can make your refinance a costly transaction and sometimes not even worth it anymore. These "junk fees" include but are not limited to: "processing fees, application fees, doc prep fees, courier fees for mortgage brokers, etc." A good rule of thumb to use when considering the total cost, even with the best refinance lenders, is "how long will it take for the proposed monthly savings to exceed the total cost of this transaction?". Example: Lets say you stand to save $52/month but the total fees are $3572. It would take you a whopping 68 months (over 5 years) to break even! Any break even point longer than 24 months is not a good deal.
3) Think you've found the best deal now? Be careful, you might also want to ask what documentation is going to be required. This is a major factory in getting any refinance transaction closed these days. Some bank's guidelines have got so ridiculous that it seems like the hurdles between you and the closing table can never be overcome. Most banks follow the same set of guidelines nowadays, all requiring the standard two years tax returns with W2's, last two pay stubs, and last two bank statements. However, I've heard of some real world situations recently that you probably wouldn't even believe. A good friend of mine was trying to get the third round of underwriting conditions satisfied when she was then told that she also needed to produce the original building permit for the apparent renovation work that was done to her kitchen from 9 years ago, when she had only owned that home for the last 5 years! This means that she was forced to take a full day off work and beg City Hall to dig up old building permit records just to satisfy the lender and get her refinance closed. Crazy, huh? But you'd be surprises how often even the "best refinance lenders" come up with these crazy underwriting conditions. The key is to always ask what documentation will be required up front.
Go with the "pros" – Go with the best refinance lenders
Finally, once you have narrowed the best refinance lenders down to your top two or three, and you've asked all the right questions, its time to compare their rates, terms, cost, and most of all: their reputation and credibility. If you "go with the pro" and grade the best refinance lenders on their credibility and experience first, you will have the best chance for a smooth and efficient transaction.
Author Joe Karns is sales and marketing leader dedicated to bringing his subscribers relevant and useful information. Want a free mortgage checkup? Check out Joe Karns at the following link for more a FREE refinance consultation and expert advice on finding the Best Refinance Lenders: Best Refinance Lenders
|Simple Fixes To Help Your Home Sell More QuicklyComments Off on Simple Fixes To Help Your Home Sell More Quickly
|Best Jumbo Lenders – How to Source the Best Mortgage Rates(1)
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|VA Streamline | IRRRL | Mortgage Refinance Loan(22)
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SLNS Joseph Lister was a Scientist-class superdreadnought of the Solarian League Navy's Battle Fleet.
In 1922 PD, it was part of the wall of battle in Task Force 496. It was reduced to three pieces of burning wreckage by the Royal Manticoran Navy in the Battle of Spindle.[1] (HH12)
References Edit
- ↑ The ship was likely named after Joseph Lister, 1st Baron Lister, an English surgeon and a pioneer of antiseptic surgery.

subset: commoncrawl


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Alliance IPO Prices To Go
It was on, then it was off and then finally it was on again.
Alliance Aviation Services priced its initial public offering, or IPO, on Thursday at 1.60 Australian dollars (US$1.63) a share, according to Dow Jones Newswires.
Four days of book building by Credit Suisse raised A$74 million from the IPO, way short of the hoped for target of A$120 million for the company that specializes in flying miners to remote locations across Australia.
That will give Alliance a market capitalization when listed of A$144 million.


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Re:locate Awards Gold: HCR Win Green!
On the 10th of May in a glittering ceremony for this year's Re:locate awards, Global Mobility Experts HCR were presented with the highly prestigious Green Achievement award.
The Re:locate awards, coined the "Oscars of the relocation industry", hosted at the Institute of Directors in London saw over 200 individuals from across the world of relocation and HR to celebrate success in the industry.
Broadcaster and travel presenter Adrian Mills was the celebrity host and guest speaker for the evening. Adrian joined with guests to enthusiastically celebrate their amazing success and good practice in this diverse field. Amusing and insightful in equal measure, his after-dinner speech was perfect for an occasion dedicated to celebrating achievement and innovation.
"This year saw a record number of entries, these awards have become the ultimate recognition of excellence in all aspects of relocation, both here in the UK and internationally"
The Green Achievement award recognises excellence in environmental initiatives and practices, and by demonstrating its commitment to managing environmental impacts and its innovative ways of engaging customers on environmental issues, HCR was declared the winner.
HCR were commended by the judges for their constant progression and innovation; both within their famous Sustainable Relocation Promise and as the first relocation management company to become certified carbon neutral in the world. The judges commented further, stating that HCR shines in terms of how it is seeking to influence best environmental practice within the industry and through its supply chain, including requesting copies of suppliers' environmental policies and practices.
HCR's Special Projects Manager, George Dawes commented: "Winning the green achievement award was another huge step on our journey to greener relocation. The award is a true testimonial to our leadership in the global mobility arena, and should hopefully inspire others to do the same. We are the first relocation company to be certified carbon neutral, and winning this award is a huge achievement. We look to continue developing and innovating our green practices for many years to come."
This is the second year in a row that HCR has won gold at the Re:locate Awards, after being named Relocation Service Provider of the Year in 2011.
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Math & or Chemistry tutoring
My wife Katie is a big time mad scientist at a bio-tech company in sodo. In her extra time she tutors Jr. high & high school kids in math and science.
Training & Qualifications
Two degrees from u.c. Davis is molecular biology & bio chemistry with a masters in forensic science from Boston University.
Availability & Preferences
About Shawndelle Thompkins
I'm 33 and currently working full time as a preschool teacher and going to school myself. My wife and I just bought our first house together and are excited to fix it up & start a family. I love to sw...im, and paint and make fancy cocktails and walk around exploring my neighborhood. show moreOpen to other proposals
Shawndelle Thompkins is looking for:
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Another great installment of the Total War franchise.
Following in the wake of its illustrious, million-selling predecessors, the chances of Medieval II cocking it up the Total War franchise are slimmer than Dita Von Teeses waist. But even though strategy gamers are already well-versed in this stellar series complex ways, this latest instalment is still an incredible achievement.
In terms of presentation, Medieval II is the best-looking Total War to date; whereas the legions of clashing soldiers looked almost identical in earlier editions, randomised body parts and weapons ensure that individual fighters appear distinctive and the skirmishes look thrillingly convincing. Improved motion-capture animation and weather effects also help make the epic battles more fun to watch, putting you at the heart of every battle and bringing your epic strategies to life.
But improved visuals are nothing without enhanced gameplay, and the developers have wasted no opportunity to hone the experience. The intelligence of rival commanders has been tweaked, with computer-controlled armies using complex strategies such as flanking to scupper your troops and refusing to rush headlong into battle without considering less dangerous strategies. The inclusion of impassable terrain also allows players to use the natural defences of the landscape to change the course of a battle, and the role of diplomacy has also been updated, with other nations reacting in more unpredictable ways to your unreasonable demands.
And if you need any more convincing to buy Medieval II immediately, the chance to wage war in the New World and crush the Aztecs also makes the game a joy to play, while pre-battle speeches, reinstated assassination videos and a greater role for special units such as priests and merchants also help round out this sublime package.


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Question about 2000 Honda Civic
The window of my 2000 honda civic has gone of track for the second time. It cost me near $60 to fix at a repair shop and it seems to keep recurring. Is there a way to fix it at home and keep it from recurring?
Posted by murphytwin on
I also have the the same make and model car as you and I too have run into that exact same problem. twice. It too had cost me about as the same as what you were paying to have it fixed. we tried to fix it ourselves but couldnt do it. Finally I bought all new motors for the power windows. I was told the problem was water getting down the crack of the window and freezing inside the door. To avoid this problem I have learned to be careful not to open the window to quickly when it is cold outside. I also do not allow it to do the automatic thing it does when you push the controll all the way down.
My 2000 Honda has done it about 5 times. You can fix it fairly easy at home but unfortunately it will keep occuring until you replace the whole lifting system which is expensive! First you have to take out the screws that holds the speaker on, and 1 on the handle and 1 where you pull the door shut. Then unplug the wiring for the speaker, auto window and door locks, pop the door panel off. There are 2 bolts on the bottom of each end of the door. They hold the bracket that holds the track. Loosen whichever side is out of track (you may have to do both) and work it back in. You also may have to run the window up and down to help it back in. Hope this helps dude!
Posted on Dec 10, 2008
SOURCE: I have freestanding Series 8 dishwasher. Lately during the filling cycle water hammer is occurring. How can this be resolved
a 6ya expert can help you resolve that issue over the phone in a minute or two.
best thing about this new service is that you are never placed on hold and get to talk to real repairmen in the US.
the service is completely free and covers almost anything you can think of (from cars to computers, handyman, and even drones).
click here to download the app (for users in the US for now) and get all the help you need.
Posted on Jan 02, 2017
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found a new home!
Plenty of my friends are looking
for one too. Find a pet to adopt.
I am up to date with shots.
If you want to apply for Banjo, please visit the rescue and fill out an application. All applications will be considered and the adoption coordinator will call the person chosen to adopt the dog after the available date.
Banjo, a Meridian Border Collie dog was adopted! Here's how you can benefit by looking at adoption as an option to buying a Border Collie for sale in Meridian, or seeking a Border Collie dog from a breeder in Meridian.


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Former U.S. Rep. Patrick Kennedy spoke to more than 100 guests at the Brigantine Lions Club Monday night about what he considers the under-addressed issue of brain injuries among American troops.
"I had to come tonight, because as someone who left public office two years ago, I've kind of been going through withdrawal of public speaking," he said. "I'm kind of a recovering politician. The idea that people would listen to me tonight is something that I can't pass up."
Kennedy told the group that if a soldier was captured by al-Qaeda or the Taliban, there would be no question that the United States would send troops to rescue them. He said that the same is not true of victims of brain injuries.
"We, as American's, don't leave any of our men or women behind," he said. "We don't leave them prisoner of war. Yet, in this conflict, we are leaving many of our nation's heroes prisoners of war. And what I mean by that is that they're prisoners of their war injuries. They're held hostage by the disability that they incurred serving all of us. And they are behind the enemy lines in our midst, of shame and stigma."
Kennedy attended with his wife, Amy Kennedy, a sixth-grade teacher at the Northfield Community School, her daughter from a previous marriage, Harper, and their son, Owen, who was born in April.
They have been living in Brigantine for about a year, currently renting a house on 38th Street. Kennedy called the townspeople "so welcoming."
"In the summertime, if you like doing early morning calisthenics you can do it at the beach right next to where I live," he said. "And my brother-in-law is the lieutenant on the Beach Patrol, so if you want to know if I'm connected here in Brigantine...I am connected, too."
Club president Steve Satz presented Kennedy with a plaque and commended him for his efforts in the area of brain injuries.
A delay in the the meeting allowed guests a chance to speak with Kennedy before his presentation.
Lill Hassman, who owns a home in Brigantine, is a member of a social workers group, which holds a conference in Atlantic City every summer.
"I asked him if he would be a keynote speaker, and he was very excited about it. He said it all depends on the date," Hassman said. "He was very open to it, which sort of shocked me. I found that he was very approachable."
She said she was thrilled that Kennedy lives in the area.
"It's so exciting," she said. "Brigantine has always been a little sleepy town. So he brings a bit of notoriety which is exciting."
Contact David Simpson:


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Hotel La Fortuna is not just about a very friendly, spotless and comfortable place to stay, it's at a great location and many of its rooms have the breathtaking view of Arenal Volcano, and most of all, its incredibly nice staff and efficient breakfast service.
The best way to find a great eatery is always from the place you stay because you can articulate your likes and the suggestions are almost spot on. Excellent service from Mercedes from the front desk - she's super friendly, nice, and genuine. She's also very knowledgeable of the area as I always love to find Tico food and places to have a great cup of Costa Rican coffee. She gave such detailed descriptions, sprinkling with her heritage. That's how I found out Visquez for the casado and Café Rain Forest for its Monteverde coffee!
The hotel was very clean and the marble floor was spotless. The bed was super comfortable and I just love waking with the view of the volcano.
The breakfast service downstairs started at 7am and even with I had to leave rather early each day around 7:30am, they were nice enough to quickly prepare some delicious eggs, toast and tasty coffee.
This hotel is only a couple blocks away from 2 supermarkets where you can get all the coffee beans and any amenities you might need. It's also a couple blocks away from the main plaza, making it convenient to get to all the shops, yet keep a quiet and less crowded feel.
And if you pay a bit more attention, you will see the owner around as well as in the area.
- Official Description (provided by the hotel):
- A uniquely designed building and an excellent location, make our hotel stands out in La Fortuna downtown. We have a central area extending up all five floors, with interior balconies looking down to the lobby, creating a sense of openness and freshness. Our lobby area provides computers with free Internet and wireless. Ample and comfortable seating is perfect to relax while you enjoy our well-stocked English books exchange.Just a couple of blocks away, you can find supermarkets, drugstores, restaurants, bars, souvenir shops and everything you need for having a good vacation.And if you are looking for more relaxation or adventure, we offer you a tourist information desk inside the hotel with convenient prices for the guests. Parking lot is free and exclusive for our visitors. ... more less
- Reservation Options:
- TripAdvisor is proud to partner with Expedia, Booking.com, Orbitz, HostelWorld, Hotels.com, Travelocity, Cheap Tickets, Hotwire, Cancelon and HotelQuickly so you can book your Hotel La Fortuna reservations with confidence. We help millions of travelers each month to find the perfect hotel for both vacation and business trips, always with the best discounts and special offers.
- Also Known As:
- Hotel La Fortuna Costa Rica/Arenal Volcano National Park


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It was only a matter of time before a startup came out with a robo-babysitter.
Table of Contents
AvatarMind claims the iPal has 25 motors that enable it to make human-like movements.
According to the company behind the iPal, the robot can talk like a 4-8 year old child, using an autonomous learning engine, and remembering preferences and interests: they claim the robot is able to feel the child emotions via "emotion management system senses", and to respond to "happiness, depression and loneliness". The robot will take daily pictures and videos to record the child's growth. The iPal has a Child Messenger app where child can video chat, share information and communicate with friend connections approved by the parents.
AvatarMind says the iPal is "an ideal companion for your child": the robot it's able of playing music, dancing, playing games and running apps from the Android app store. According to the company the robot can answer most questions from kids and download answers from the internet and it can teach languages, history, math, etc rewarding the child when he gets the right answer and if a child gets it wrong iPal encourages him.
According the promotional material the iPal is designed to be an example for the child, teaching him good manners.
The company claims also the robot is designed to monitor your child when the parent is away: the parents can use their phone to remotely control iPal to check the child's safety. The parent can turn on iPal's microphone and camera to see and hear the child, and can leave a voice, video or text message. Too much responsibility too for this device.
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Disposable thongs
Awesome promotional thongs that are economic for marketing purposes and great for events and one time use etc. They also arrive completely flat packed for mailing campaigns and economic freighting.
Minimum order qty: 100 pairs
Branding option: Screen printing
Print Dimensions: Entire sole
Thickness: 7mm sole
Strap type: Fold out 10mm wide


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The Academy Awards might have experienced a media hiccup last week when Eddie Murphy quit as its host, but they still found good reasons to celebrate this past weekend.
This past Saturday, the third Annual Governors Award honored Hollywood titans James Earl Jones and Oprah Winfrey.
Jones, who wasn't in attendance, received an honorary Oscar and Winfrey was presented with the Jean Hersholt Humanitarian Award.
Also in attendance was Mary J. Blige. The Hollywood Reporter says MJB paid tribute to the man who voices "Mustafa" in 1994's The Lion King with a performance of the Oscar-winning track, "Can You Feel the Love Tonight?"


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Boston, MA 02115
United States
Northeastern University - Department of International Business and Strategy
in Total Papers Downloads
in Total Papers Citations
Human Resource Management; Mergers and Acquisitions, Corporate Governance, International Management, Varieties of Capitalism
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Acquisitions, socialization, institutions, post-merger integration
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YYRC, established in 1872, has a proud tradition of being run solely by volunteers. We aim to develop members rowing abilities and uphold a strong position in the rowing community through competition.
Versatility is our strength. Our program structure is capable of developing rowers to competition standard, has the ability to immediately integrate existing rowers new to the club and is able to train a complete beginner to bring them to a racing level.
Our focus is to race throughout the year across most events and regattas within Victoria. We currently have a larger percentage of our members competing at Masters Level. Our focus is ultimately being successful at State Championships.
Our rowing program is designed to support and enhance this focus by providing members with suitable boats, equipment and other resources necessary to achieve these results. We currently hold The Victorian Premierships for Masters and our wins at State Championships are testimony to the success of our program.
We also have a very strong social culture at Yarra Yarra. While expectations to train hard are high, we also expect members to unwind and enjoy a chat and a beverage at the many opportunities that arise over the year. BBQs and other social gatherings are an important piece of club tradition and a willingness to participate is crucial for members to fully enjoy our club.
Members must also be willing to embrace the volunteer culture at the club. Many important roles are necessary for the club to function and none of which are paid. From squad coordinating and helping at Beginner Programs, to maintaining the fleet and filling committee positions, there is something suitable for everyones skill, experience and commitment.
Yarra Yarra Rowing Club provides a welcoming and friendly environment. We run diverse rowing programs which support a broad membership base and fosters a strong club spirit. Yarra Yarra is a strong, self-governing, not for profit organisation. Yarra Yarra provides open and fair access to all who wish to participate in the sport of rowing.
Yarra Yarra programs provide development opportunities through the range of competitive and non-competitive participation. Through this Yarra Yarra promotes rowing, contributes to the sport and is an active participant in the rowing community. The flexibility of our rowing programs allows us to cater to the needs and ambitions of our membership and the changing needs of the rowing community.
To arrange an orientation meeting please contact the YYRC captain via the website contacts.
Yarra Yarra Rowing Club offers various types of membership.
We train and love our coxswains. They participate to the rowing programs and get the same satisfaction from winning as the rowers do, but without the sweat!
Social Membership is a great way to stay in touch with the Club. You can join in all social activities that the club has to offer as well as being on the mailing list.
Membership Information and Nomination Forms are available in the downloads area of this website.
Come down and give rowing a try in a fun, social, and fit environment.
Yarra Yarra Rowing Club runs the popular Adult Learn to Row program, designed for people never been for a row and are looking for a fun sport and social way to keep fit.
The Learn to row courses runs out of the rowing shed in the heart of the city and happens after work and on the weekend.
Summary of the course outline is below and feel free to drop a line to the enthusiastic New Rowers Program Manager (Glenn Millican) via the website contacts.
Learn to Row Application Form is available in the Downloads area of this website.
Introduction to Rowing
Designed for first time rowers Courses are $27.50 per lesson for six lessons, running Sunday mornings and Tuesday nights.
Learn about the four stages of the stroke, rowing technique, boat handling and rigging, marine safety and laws, and also a bit about fun and fitness.
Each sessions starts on the rowing machines to learn the stroke, before we head out on the water in a quad.
In each lesson we'll also learn/revise the boat handling, rigging and terminology, marine laws (right of way, where to turn), and importantly just getting out and have fun on the water!
Sunday Morning Session
10:00 to 10:10 Welcome and Introduction.
10:10 to 10:30 Shed tour, boat terminology, equipment and the landing, Marine Safety and River Etiquette.
10.30-11.00 Rowing Technique, Instruction on rowing (ergo) machines, rowing in a team.
11.00 – 12.30 Rowing on the Yarra.
12.30– 1.00 Cleaning the boats / Stretching / Session coaching debrief.
Tuesday Night Session
6.00 – 6.20 Warm up on rowing machines, review technique and marine safety.
6.20 – 7.30 Rowing on the Yarra.
7.30 – 8.00 Cleaning the boats/ stretching/ Session coaching debrief.
1. Arrange an orientation meeting with The Captain or Vice Captain to discuss your rowing history and learn about the club's facilities, programs and costs. If approved by The Captain or Vice Captain, go out for one or two trial rows under supervision. Depending on your experience, you may be directed to undertake the Introduction to Rowing course prior to applying for membership.
2. Following orientation, indicate to The Captain or Vice Captain that you would like approval to go ahead with a membership application.
3. With The Captain or Vice Captain approval to proceed, download the membership application form and information sheet from the Club's website. Complete the details, and bring to the club to get signed by the Captain or Vice Captain and a committee member. Place the signed form in the Club letterbox addressed to the Membership Secretary.
4. Pay the $100 membership nomination fee by using the YYRC Online Shop. Once payment is made you may commence rowing in crew boats under the direction of the 'on water' group leaders.
5. Your Nomination for Membership will be posted on the "Members Forum" for 21 days, after which the Committee at its next general meeting will consider the application.
6. You will receive an email from The Membership Secretary as to the outcome of your nomination. If approved you will need to pay the balance of your membership fee. This will be payable upon receipt by the Treasurer. Once the amount is paid you will be included on the register of members and be eligible to use the club's equipment, in adherence w with the club's boat allocation policy and Club Constitution.
The single scull, suspended from the ceiling, was purchased by Jim Skidmore in October 1961, from Sargent & Burton boat builders in Sydney, for $448.37 (including packaging and transport to Sydney airport) plus air freight of $9.02 to Essendon airport (total: $457.39).
Jim's achievements over the years in this boat were as follows:
1962: Winter Sculling series - 5 mile fastest time
13/10/1962: 2½ mile Championship, Lower Yarra (from the mouth of the Maribyrnong river to just below Spencer Street bridge) - 1st place
29/12/1962: Yarrawonga regatta - Senior sculls 1st place
1/1/1963: Rutherglen regatta - Senior sculls 1st place
1963: Winter Sculling series - ¼ mile dash 1st place
1964: Winter Sculling series - 5 mile fastest time
25/1/1965: Albert Park regatta - Senior sculls 1st place
6/3/1965: Barwon regatta - Senior sculls 1st place
27/3/1965: Scotch Mercantile regatta - Senior sculls 1st place
1966: Winter Sculling series - 5 mile scratch and fastest time
1976: Winter Sculling series - Herald Shield; Equal winner of series
1979: Winter Sculling series - 5 mile handicap. Boat collision (It doesn't pay to run head-on into an eight coached by Lachie McPherson at new cut corner!). Jim required 24 stitches to his backside (the meaty part, luckily). Hence the cartoon by a friend of club member Dick Barnes. Restoring the boat to racing condition took a lot of work, with the help of several club members. The keel and riggers were the only parts not damaged.
1987: Round Island 8000m - 1st place
The boat was privately owned and only used by Jim Skidmore over the years, until it was presented to YYRC for permanent display in the new boathouse in 2005.
Perhaps the most striking feature of the YYRC boathouse is the two beautiful old wooden boats suspended from the ceiling upstairs. If you've ever wondered where they came from, here's the story of "Bottles", the double scull...
On a trip to Perth to watch the 1962 Commonwealth Games rowing, two YYRC members, Jim Skidmore and Allan Rice, decided to try out for the 1964 Olympics. Yarra Yarra didn't own a double scull, so they ordered one from Sydney boat builders Sargent & Burton.
Excerpt from the Weekly Times, winter 1963:
Double sculling has become very popular in Victoria. There will be several new craft on the Yarra during the coming season. Most have been built in Sydney. Double sculling has not previously received the same support in Victoria as in NSW, where it is especially popular. Jim Skidmore and Allan Rice, prominent Victorian scullers from Yarra Yarra club, will soon have a new craft. They intend to compete at the National Regatta to be held probably on the lake at Canberra. This may be the 1964 Olympic Test race. They could develop into a top-class double sculls crew with a good chance of winning the last event. The crew that wins at Canberra will have the best chance of going to Tokyo.
Twelve months later, the new boat arrived, air freighted from Sydney to Essendon Airport in November 1963. The total cost of boat and freight was $656.45. The boat was named "Bottles", due to a saying at the time: "It's the best thing since they put beer in bottles". Jim and Allan thought it was the best type of rowing they had encountered. The hull is two-ply cedar plywood. The girder-type riggers were designed in Sydney so as not to break a wave when sculling in rough water, hence less water in the boat when racing. It has never been rigged as a coxless pair; as the shoulders have not been strengthened to avoid twisting from uneven tension each side of the boat.
Finding a coach was a problem, as nobody in Victoria knew anything about this type of boat, and nobody wanted to help. So, with the aid of Peter Gill and his 8 mm movie camera, plus details from a book or two on training, the task commenced.
Jim and Allan won the double scull event at Australian Henley, 29/2/1964, representing the first win for a Victorian crew in many years. They also won at the Scotch and Mercantile regatta, 21/3/1964, being the only regatta on the Victorian regatta program to put on events for this type of boat.
At the second Australian National Regatta in Canberra, 2/5/1964, Jim and Allan came second at by a margin of just 0.3 s. The winner of that race went on to represent Australia at the Tokyo Olympics. At the third national regatta in Ballarat, 30/4/1966, "Bottles" came third. The boat has done a lot of Kilometers in training, but very few in races.
When the rowers of Yarra Yarra Rowing Club hear the clamour of Riverland's patrons, it usually means the hard work is done and they're about to turn around and head back to the landing stage. Anyone who rows on the Yarra will know the Riverland bar and café, even if they have yet to buy a drink or a gourmet sausage there. It sits nestled against the north end of Princes Bridge, with its wooden-decked beer garden leading down to the water's edge. No surprise, then, that so many of us regularly troop over Riverland as soon as we're off the water, for a hard-earned cold beer. In late 2008, though, YYRC gained another reason to be grateful to Riverland: The bar donated $18,000 to the Club to buy a new women's eight.
The team that runs Riverland - Richard Ludbrook, Minh Nguyen and Dave Sharry - value the relationship between their waterfront bar and the rowers on the river: "It's one of the few things that surrounds us here", Richard explains. "We don't see trams and cars going past down here, but we do see rowing boats… It's part of our landscape". Richard doesn't think of Federation Square and Boathouse Drive as "this side of the river and that side", but rather a single community centred on the river, with rowing a quintessential part of the "identity of the area".
Riverland donates to charities each year, but in 2008 the team specifically wanted to give something to this Yarra community and to the rowers who provide so much entertainment to the bar's patrons. "There's a lot of interaction between the drinkers and the rowers", says Richard. "Whenever anyone crashes into the bridge, there are always people here cheering and shouting". The rowers are even a selling point on the Riverland website, which invites customers to "enjoy the rowing boats that replace the cars and the shade of 80-year-old trees that replace the towering city office blocks."
So why Yarra Yarra, out of all the rowing clubs that face Riverland from across the water? Richard already knew Carol Cooke (YYRC's marketing manager at the time) via her husband, so when Carol rang him up saying her rowing club had found a second hand boat for sale and asked if he'd like to contribute, he jumped at the chance. Carol and the 2008 Women's Squad coaches (Stuart McShane and Stuart Poole) had already established a way for money to be donated to the Australian Sports Foundation, so that the donation could be appropriately tax deductible and the donor could specify where the money was to go and how it would be spent.
YYRC is immensely grateful to Richard, Minh and Dave for this beautiful boat.
Article From Argus Newspaper 1929
"Last Saturday was a red letter day for the Yarra Yarra club, and there was a good attendance at the river to see the new boat house opened. The opening ceremony was associated with the club's annual combination race, the Connell Eights, which 18 crews entered. The trophies for the race were cups presented by the club's patron, Mr J.H. Connell, and were greatly admired by those present, in fact it was the general opinion that they were the finest trophies yet given for a combination race. During the afternoon Mrs G.I. Stevenson and Mrs. D. Bailey christened the boats of the new fleet, those being named being the H. Clark and D. Bailey (practice pairs), G.I. Stevenson (practice eight), J. McDonald and C.E. Kellett (practice fours) and A.H. Enticott (racing four).
The club also has two new practice sculling boats, whilst a racing eight (the gift of Mr J.H. Connell) and a racing pair are nearing completion by the builders. It was regretted that the president, Mr A.H. Enticott, was prevented by illness from being present. Amongst those who attended were three members of the club's famous champion eight of thirty years ago, Messrs J. McDonald, E. Horsburgh and C.W. Horsburgh, but the oldest member present was probably Mr J.S. Gunn, who still carries a medal for a race which he won with Yarra Yarra 48 years ago. Mr Gunn evidently has felt no serious effects from his participation in the sport, as he is still and active man. Others present included Messrs G.I. Stevenson, who has done great work for the club in connection with the new building C.E. Kellett, A.N. Towart, L.P. Hughes, W. Williams, N. McLeod and H.G.R. Johnson.
The new boat house is a fine building, and is an acquisition to the head quarters of rowing in the State. It is particularly roomy, and has plenty of accommodation for boats, whilst 150 members could be accommodated without the slightest inconvenience. Three showers are provided adjoining the dressing room, and a feature of the building is excellent natural lighting both in the dressing room and in the boat section. In the evening a smoke social was held at which there was a big attendance, including a representative gathering of oarsmen. In responding to the toast of the kindred clubs, Mr E. Kenny pointed out that probably no club in Australia has started out under such ideal conditions as Yarra Yarra now possess. Everything was new and right up to date.
In the early days clubs were housed in hired rooms in the boat builders' premises, and most of their boats were hired. There was not a club in the State which did not have some indifferent boats amongst its fleet, but with Yarra Yarra every boat was absolutely new and up to date, so that it only rested with the members to show the same enthusiasm as those who had provided these facilities for the club to soon regain its former high place in Victorian rowing. It is hoped that there will be a steady flow of new members into the club, and that before the 1929-30 season passes Yarra Yarra will have recorded several regatta wins.
The racing for the Connell trophies was good, and several finishes were close. The winning crew rowed a dead heat in the first round, and in the row-off had only two feet to spare. The steering showed a big improvement on that of the previous Saturday in the Safe Eights, and it is to be hoped that the clubs in future will see that only qualified boys are permitted to steer in this class of racing. The final was won by P. McLennan (Albert Park), A. Simmons (Albert Park), S.W. Morris (South Hawthorn), J. McCullagh (South Melbourne), A. Parr (South Hawthorn), J.E. Campbell (Mercantile), L. Nilsen (South Melbourne), V. Barker-Hayes (Hawthorn), stroke, who defeated crews stroked by H. LaRoche (Essendon) and J. McGrath (Footscray)."
Hundreds of other news articles mentioning YYRC can be found on the National Library of Australia's newspaper search page.


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2015 TR YMCA Invite - Girl's 1600 meterAdd to Cart Add to Lightbox Download
Before the start of the girl's 1600 meter run (L to R: Harlie Sorrell, Anna Hartwick, Holly Ellingson, Brittany Wilding, Emily Hammons, Sophie Stands, Sydney Taylor, Maggie Haener, Anna Kreslins, Allison Armstrong, Brynn Pritchard, Sofia Loucao, Jenna Waldo, and Hannah Webster) during the YMCA Track & Field Invitational at Mountain View High School, Meridian, Idaho. April 24, 2015.
- Filename
- x20150424 TR YMVA Invite 0321.jpg
- Copyright
- (C) 2015 Gregg Mizuta
- Image Size
- 1804x1203 / 2.3MB
- Contained in galleries
- Track & Field - 2015 YMCA Invitational


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BURLINGTON, Vt. (AP) A half-dozen ski resorts in New England and the West are joining in protests against two new lines of snowboards that feature images of Playboy models and cartoons of self-mutilation.
Smugglers' Notch in Vermont says it has banned employees from using the Love and Primo boards made by Burton Snowboards.
Vail Resorts has prohibited employees of its Vail, Breckenridge, Beaver Creek and Keystone resorts in Colorado and California's Heavenly Mountain from using the Love boards or any other inappropriate, offensive or suggestive equipment while on duty.
The boards also led to a demonstration last week outside Burton's headquarters in Burlington, Vt.
Burton CEO Laurent Potdevin says the company supports freedom of artistic expression and stands by the boards.
Information from: The Burlington Free Press, http://www.burlingtonfreepress.com
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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When you purchase a digital subscription to Cake Central Magazine, you will get an instant and automatic download of the most recent issue.
This cake is easy to bake, and everyone loves it. With a little frosting it can make for a very nice birthday cake – especially if you top it with special cake toppers or edible image. Enjoy!
Amount Ingredient 150g dark chocolate coarsely chopped 150g butter, cut to cubes 1 cup white sugar 3 eggs 140g self-raising flour, sifted 100g chopped hazel nuts 160g chocolate chips 24 cm round cake pan, oiled
1. Preheat oven to 180 degrees. Melt the chocolate, butter and sugar in Bain-marie. Remove from heat. Add the eggs one by one, and beat well after each egg.
2. Add the nuts, chocolate chips and flour, and stir into a smooth mixture.
3. Pour the mixture into the pan and bake for about 40 minutes, until toothpick stuck in center of cake comes out with moist crumbs. Cool on a rack.


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Effects of feeding frequency and symbiosis with zooxanthellae on nitrogen metabolism and respiration of the coral Astrangia danae
- Accepted:
- 213 Downloads
Colonies of the temperate coral Astrangia danae occur naturally with and without zooxanthellae. Basal nitrogen excretion rates of nonsymbiotic colonies increased with increasing feeding frequency [average excretion rate was 635 ng-at N (mg-at tissue-N)-1 h-1]. Reduced excretion rates of symbiotic colonies were attributed to N uptake by the zooxanthellae. Nitrogen uptake rates of the zooxanthellae averaged 8 ng-at N (106 cells)-1 h-1 in the dark and 21 ng-at N (106 cells)-1 h-1 at 200 μEin m-2 s-1. At these rates the zooxanthellae could provide 54% of the daily basal N requirement of the coral if all of the recycled N was translocated. Basal respiration rates were 172 nmol O2 cm-2 h-1 for starved colonies and 447 nmol O2 cm-2 h-1 for colonies fed three times per week. There were no significant differences between respiration rates of symbiotic and nonsymbiotic colonies. N excretion and respiration rates of fed (symbiotic and nonsymbiotic) colonies increased greatly soon after feeding. N absorption efficiencies decreased with increasing feeding frequency. A N mass balance, constructed for hypothetical situations of nonsymbiotic and symbiotic (3×106 zooxanthellae cm-2) colonies, starved and fed 15 μg-at N cm-2wk-1, showed that the presence of symbionts could double the N growth rate of feeding colonies, and reduce the turnover-time of starved ones, but could not provide all of the N requirements of starved colonies. Rates of secondary production, estimated from rates of photosynthesis and respiration were similar to those estimated for reef corals.
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Some time ago, I started a wiki with a big dream: in the same way that Templates Wiki writes generic templates and encourages wikis to copy and adopt them, Policies Wiki would be a repository for useful and optional policies for every wiki.
Sadly, I got too caught-up in writing rules to dictate the wiki itself and never actually wrote a whole lot of policy. Exactly the problem I was trying to mitigate by making the wiki: policy writing is challenging. A certain someone convinced me to revive the project, but I was still a little overwhelmed - I come here to ask for your help.
Useful links
- An explanation of the wiki - please read
- Copy-policy - the written policies intended for adoption by other wikis
- Policies Wiki policy - the rules which dictate activities on the wiki itself
How to join
I haven't worked out all the kinks yet, so join in the discussion at the chat or post at the forum if you're interested. Or post here! At the very least, do you think it's a good idea?


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I was at a baby shower this past weekend and saw the cutest thing done. I never saw anything like this being done before. Someone took a 25 foot clothes line and clothes pinned baby clothes all across the clothes line for the new Mother-to-be.
I thought it was very cute. She's got all kinds of clothes and when the weather turns warm she can wash the clothes and she has a clothes line with clothes pins to hang the baby's clothes on. I thought it was a very thoughtful gift. Hope you think so too.
By Chris
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Yes the clothesline is really cute. I did one at the shower I threw.
Yes, I've seen that done, and its the best kind of decoration. The people giving the shower can either all bring an outfit for the baby and hang them on the line, or they can buy packages of bibs, socks onsies, etc. and fill the clothesline with that. Really cute idea.
That is so cute. We are having a shower for my first grandchild next month & we are going to do this either behind the cake or gift table. LOL. I have bought enough clothes to fill it myself. I can't wait to be a grandma!
Someone gave me a clothesline gift at my baby shower. She started in outfits that I could put on my daughter when she came home and ended the line with clothes that would fit when she was about a year. The gift was wonderful and so very appreciated.
How did you make the clothes line?
That is unique. I have never seen that either! What a wonderful idea!
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05969384, Housing
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Possessing the pre-requisite strength and quickness to make an immediate impact, Wilson figures to push for the starting running back spot.
He also plays for a program that has as many quality prospects as any team in California.
"The talent in this area is really high right now," Wilson said. "Not just at my high school, but at the other ones as well.
"It helps that there are so many good players in this area because it keeps all of us motivated."
Known and respected by many of his peers, Wilson started subtly wooing his fellow teammates. A couple of them took the bait.
"I knew that Sharif (Williams) and Devon (Brewer) could become interested in the school because there were some real advantages for them," Wilson said.
"I've known these guys forever and we all really have a bond that is hard to explain. One can makes plays as a defensive back who can get the ball and take it back and the other guy is so big and strong that it makes it hard on an offense to run on you.
"I knew for sure Devon was all in at some point this summer and it was only a matter of time before the big fella came along."
While Arizona fans eagerly await Brewer and Williams' contributions on the field, it is Wilson that will garner the most immediate attention.
And he is ready for that.
"The running back is always going to have a lot of the spotlight on them," he said. "You look at what their running back last season did and the kind of talent already on the roster and it's obviously going to be a big competition. And I'm ready to go."


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I have a 3 and 4 yr old that I "homeschool." What that really means to me is that they are not enrolled in a preschool and I am an intentional mom who focuses on creating learning opportunities for them. It really comes so easily at this age as they are so interested in so much and so creative in their play. We are also planing on Homeschooling them down the road. But, I can completely understand your desire to bring some structure to your day and be able to feel as though you are covering things that your DS would otherwise be doing if he were in preschool. Here are some ideas of things I've used over the past 2 years:
-I've found this website very helpful. It's a free online curriculum for preschool. It is Christian, but even if you are not religious, there is lots of great stuff on here and it is geared toward preparing kids for school: http://abcjesuslovesme.com/
-read books from "Before Five in a Row" found crafts to go along from http://homeschoolshare.com/
-craft ideas from http://www.notimeforflashcards.com/
-check out children's music cds from the library and listen in the car
-Watch Leap frog phonics/number videos
-Read read read and read more....drawing from lists that I have found of great children's books and also from whatever they are interested in
-taking trips to local farms to pick fruit in season...berries in summer, apples, pumpkins in fall and then baking together
-planting seeds in spring and talking about the seasons
-going to parks
-Play-doh, fingerpaints, painting,
-magnetic pattern blocks with cards
-starfall.com (my DD learned to read CVC words using this)
-Bob books
For handwriting:
fine motor skills activities
drawing shapes
tactile letters/number flashcards
making letters with play-doh
sidewalk chalk
I used to use the time in the morning during the baby's nap for doing our crafts or reading, but now that he is not napping in the morning, it has been harder to do something more structured with him around. So, we read b/f our nap/quiet time, bedtime and maybe even over breakfast or lunch.
Really though, I find that even when I've had some kind of well planned activity for the kids, they will take me by surprise and come up with something so much more impressive just on their own when I just make things available for them like craft supplies, books, etc.... they are really so creative and inquisitive at this age, learning just happens all day.
There are quite a few ideas in this page I put together for preschool/kindergarten ages - look beneath the box of articles for annotated links to websites that are packed with activity ideas.
The articles do discourage work/study on early literacy and writing skills, but they also encourage following your child's natural interests, so I don't think there's a conflict.
My own experience is that so much gets learned in the course of prolonged imaginative play, that I think you'll find he'll be learning on his own a lot more than you might realize at this point. - Lillian
There are quite a few ideas in this page I put together for preschool/kindergarten ages - look beneath the box of articles for annotated links to websites that are packed with activity ideas.
Lillian, this page is amazing!!! thanks for posting. I can't wait to dig in. ;)
littleacornlearning.com BEST prek curriculum out there. there are 2 or 3 weeks you can download as samples on their website to get a feel for it.
Ak Hippie mama Yamia DSD '03 DS '07 DS2 '09 & DS3 '12
I have worked with tracing letters with my son, but I was shocked when he just wrote his name while coloring one day. He wasn't looking at letters or pushed or anything. Like you said, it is a natural interest. We obviously made a big deal about how exciting it was, and then he wrote it again, but then he moved on to coloring rainbows.
Yes - that's the kind of thing that will happen all along. When our son was first homeschooling when he was almost 8, his dad and I both noticed that he was learning things out of the clear blue that neither of us had any idea he'd even been exposed to. Then, one day he walked through the room and mentioned something that absolutely stunned me, and I walked over to my bookshelf and took down a book I'd put off reading because I found the title off putting. I should add that I had been through teacher training in college and had substituted in schools for a while, and had been devouring everything I could find about "homeschooling" and childhood education since our son was 5 and still in school. Anyway, the name of the book was I Learn Better by Teaching Myself, by Agnes Leistico. The author was writing about her own experiences, trial and error, and observations about her own homeschooled children. I stood right there in the kitchen reading it on the spot and found myself laughing out loud to realize it was about the kind of things that had been going on in my home all along - I felt so silly for having been so resistant to the notion that my son really could be his own best teacher if I only supplied an environment and support for it.
About schedule, I've known people to make general time slots for various things, just to have a rhythm and goal to think of so that they don't forget to slow down and include things that will make for a more satisfying experience for the children. So Monday might be a day when everyone expects to go the library and pick out books, peruse them, and be read to and/or read. Thursday might be a good time for fun and simple little science experiments or nature crafts, etc. But what you're thinking of in terms of focusing on something in the mornings might be your own best rhythm - and getting out of the house at least once a day sounds great! And finding a playmate or two could be wonderful for imaginative playtime. You might start thinking in terms of getting together some things that can fill times when your son is wanting/needing more than you can provide while taking care of the baby's needs - audio stories to turn to, puzzles, craft and building supplies, tunnel, playhouse makings, sand table and/or box - well, the sorts of things that are suggested in the set of links I mentioned earlier and that sassafrassmom listed. And I've always heard nothing but good things about Little Acorns, the program onyxravnos suggested - that might make it easier to have ideas on hand to turn to when pressed for planning time.
I love Lillian's web site! She has so many wonderful resources. :)
I'm home with my preschooler now , with no plans to send her to preschool ever. She gets plenty of social interaction between church, play groups, story times, being the youngest of 3 kids, friends kids, cousins, etc. etc. lol I do things at home with her, more than just "live life" mainly because I get bored. I am very developmentally appropriate though. I am not standard based or focusing on the 3r's. I try focus on play, imagination, exploration, etc. I'm currently doing book themes with her which we are both really enjoying. I do keep a routine (not set in stone) for the days we are home. I allow TV, so there is a time it goes off, a time for free play, a time for our projects, a time for outside...... It just helps our days flow better. I blog, if you would like a link feel free to PM me. :)
As far as early literacy, I'm very against pushing kids to meet "standards" for learning in the preschool years. There is a lot of research into the negative effects of pushing kids to early. At the same time I do a lot of literacy/math activities. The key is to keep them open ended, so they work at a variety of levels and the child can work right where they are ready to work. For example, I keep a pad of paper in our kitchen set. My youngest mainly scribbles on it from time to time. It is very developmentally appropriate way for a 3 yr old to "write". My 6 year old will write a complete order down while playing restaurant . Neither child is forced and they are both working at their own levels with the same materials. :)
My hat's off to you - it's a rare person who can admit to that, even to herself, or recognize it so early on.
I think it's great to really pay attention to what it's all about, or we can really get in our children's way by unconsciously making them part of our own creative project. I had to get over that when I started out, but my son, in spite of his natural tendency to be polite, soon showed me that I was a pain in the neck.
- Lillian
My daughter's only 13 months, so not quite there yet, but taking notes for the future since we're seriously considering h/s as long as DH is Active Duty and we're moving every few years.
Married to my Airman since 12-23-06. Cloth diapering, baby wearing, breastfeeding AP mama to DD born 2/24/11
My hat's off to you - it's a rare person who can admit to that, even to herself, or recognize it so early on.
I think it's great to really pay attention to what it's all about, or we can really get in our children's way by unconsciously making them part of our own creative project. I had to get over that when I started out, but my son, in spite of his natural tendency to be polite, soon showed me that I was a pain in the neck.
- Lillian
I've been a stay at home mom for a while. There is only so much cleaning and meal planning that interests me. I actually I have two school age kids who are currently in public school. My oldest is like how you describe your son. We tend to get to 'teachy" with the oldest kids sometimes. "oh look honey, that's a amphibian, can you say amphibian. they eat bugs and its scientific name is......" all the poor kid wants to do is look at the cool frog.
I think this works for us, because I truly have no agenda other then to keep us busy. She isn't feeling pressured in anyway and is free to pick and choose what she wants to do. I'm not worried about her "knowledge" as long as she is learning something and growing we are good. No checklist of letters/shapes/numbers/etc. I'm just trying to expose her to different things and allow her space to explore and play with them. It's not about teaching, it's about facilitating learning experiences and letting her discover them. That and I really love preschool.
this is completely me too. I am goal oriented by nature and a former teacher, so I have it in me to want to get things accomplished with my kids--though I have to remind myself over and over, they are only 3 and 4! and it is very frustrating when you come up with this wonderful craft or something, and they are totally not interested or want to do something completely different with it. I have to ask myself a lot--is it really them who need the structure, or me? and then find ways that I can feel like I'm getting that b/c I don't really think they even get out of these "lessons" what I think they will. They mostly just enjoy being read to, playing and make believe right now.
Ah, yes! I remember it well - didn't keep it up long, fotunately, but it definitely comes with the territory of those just starting out with a bang.
- Lillian
this is completely me too. I am goal oriented by nature and a former teacher, so I have it in me to want to get things accomplished with my kids--though I have to remind myself over and over, they are only 3 and 4! and it is very frustrating when you come up with this wonderful craft or something, and they are totally not interested or want to do something completely different with it. I have to ask myself a lot--is it really them who need the structure, or me? and then find ways that I can feel like I'm getting that b/c I don't really think they even get out of these "lessons" what I think they will. They mostly just enjoy being read to, playing and make believe right now.
I think as long as you're willing to drop it when they are completely not interested and let them do the completely different thing with the materials then you're good.. That's developmentally appropriate. Kids will naturally gravitate to what they are ready for and really become absorbed in it. Most of the stuff we do is really open ended. Like art projects are painting with different mediums vs crafts. A science experiment is more like mixing baking soda and vinegar or sprouting a seed. Not something that requires knowledge and will teach. More things she can observe and participate in.
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Saturday, September 10, 2011, 4:00 pm to 8:00 pm
Current Students
Come out and eat free food with the Black Student Union and the Residential Community Association. We will have must provide by Wright State's Commander-in-Chief DJ 4 Seasons on the 1s and 2s. This is an event that you don't want to miss!!


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