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UF recruiting: Key weekend
Published: Friday, October 19, 2012 at 9:27 a.m.
Last Modified: Friday, October 19, 2012 at 6:28 p.m.
Time to pull out the recruiting red carpet again.
For the second straight home game, the Florida Gators play host to a Top-10 team — as well as dozens of high school football prospects lining up at the gates of Ben Hill Griffin Stadium.
At least 14 members of Florida's 2013 class will be in attendance, including offensive lineman Cameron Dillard (Canton, Mich./Canton). He's the lone UF commit officially visiting, but that might not be the case by the end of the weekend.
ESPN's No. 1-ranked offensive guard David Dawson (Detroit, Mich/Cass Tech) will also be on his UF official visit less than a week after decommitting from Michigan. Dawson named the Gators his leader last Sunday and there's a high possibility he pulls the trigger on his first trip to Gainesville.
Dillard, rated a four-star recruit by ESPN, has been close friends with Dawson since they were in ninth grade, and he feels they could make a dynamic duo on Florida's offensive line.
"We can be the road graders from Michigan," Dillard said. "I'll be playing center and he'll be at guard. So two good friends playing next to each other would be real cool.
"We've got a connection now and it would just carry on over to college. Hopefully this visit will make that happen."
The third official visitor this weekend is safety Marcell Harris (Orlando/Dr. Phillips). He attended the LSU game and this weekend will be his fifth trip to UF since June 12. Harris has previously taken officials to Texas (Sept. 1), Oklahoma (Sept. 22) and Florida State (Oct. 13), but the Gators are believed to have the edge because of his desire to play in the SEC and his family ties to Florida. Harris was born and raised in Gainesville — where his grandmother still lives — and his father, Mike "Mud" Harris, played free safety for UF from 1994-1997.
Like Harris, Lake City Columbia five-star offensive tackle Laremy Tunsil is making his second stop at UF in three weeks. Tunsil, the country's consensus No. 1 prospect at his position, has the Gators in third place behind Georgia and Alabama.
Florida is expected to receive unofficial visits from Clemson receiver commit Demarcus Robinson (Fort Valley, Ga./Peach Country), Alabama tight end commit O.J. Howard (Autauga, Ala./Autauga Academy) and Auburn linebacker commit Trey Johnson (Lawrenceville, Ga./Central Gwinnett). All three recruits are in the top 100 of the Rivals.com rankings.
The one to keep an eye on is Robinson, who favored Florida back in the spring and summer and has been recruited by the UF staff harder than any other school.
"Even though I'm not committed to them, they've kept in contact with me more than the Clemson coaches and just always ask me if I'm ready to be a Gator. So they've been in my head. They're having a great season. I knew they would be pretty good and bounce back from last year. But to be No. 2 in the nation, that's impressive."
The 6-foot-2, 200-pounder admits he would like to see the Gators pass more often, but he said the Florida coaches have stressed they don't have enough talent and size at receiver and he could change that. Robinson remains solid with Clemson, but he's keeping his options open and will give UF a shot to sway him.
"It's pretty strong," Robinson said of his commitment, "but I'm trying to see what Florida can offer and do for me and see if they're a better school than Clemson."
From the 2014 class, Florida's two commits — Fort Myers Dunbar receiver Ryeshene Bronson and Palm Bay Bayside defensive tackle Travonte Valentine — are scheduled to attend along with notable targets such as quarterback Will Grier (Davidson, N.C./Davidson Day), Alabama running back commit Bo Scarbrough (Tuscaloosa, Ala./Northridge), receiver Demarre Kitt (Tyrone, Ga./Sandy Creek), defensive end Andrew Williams (McDonough, Ga./Eagle's Landing) and defensive backs Duke Dawson (Cross City, Fla./Dixie County), Wesley Green (Lithonia, Ga./Martin Luther King), T.J. Harrell (Tampa, Fla./Tampa Catholic) and D.J. Smith (Marietta, Ga./Walton).
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LAS VEGAS – Microsoft is looking deeply into energy efficiency and insists that that its gaze must encompass the entire system – not just on a the level of the data center, but scrutinizing what it takes to create a unit of content.
We are now in an era of centralization, Microsoft Director of Energy Strategy Brian Janous said yesterday in his keynote address at Data Center World Spring 2013 at the Mandalay Bay, drawing many parellels between the data center and energy industries at the turn of the last century.
While the talk was dubbed "commoditization of the cloud," a key theme was the centralization of data that is occurring thanks to cloud, and the efficiencies this is driving in terms of energy – the oxygen of the cloud.
Energy is Critical
Cloud is driving centralization, which is in turn driving the need for efficiencies. "There's probably no other industry, at this point, where energy is more critical," said Janous.
Janous oversees energy agreements for Microsoft, as well as strategic partnerships to make sure the company's power supply is reliable and sustainable. Joining Microsoft in 2011, his career had largely been focused in the energy sector. Janous believes data center operators must look into the entire supply chain for opportunities. This includes "out of the box thinking" on topics such as fuel cells, methane, solar and everything in between.
"Physicists believe it's possible to create a perpetual motion machine, if this happens, everything I talk about will be irrevelant," Janous joked.
What Microsoft is Doing and How They're Doing It
Microsoft has been moving from a traditional box software company to an online services company. Microsoft runs 200 online services worldwide. Office365 is the fastest growing product in the company's history, Janous said, serving more than 1 billion customers in the cloud. Janous provided a quick snapshot of where Microsoft's data centers are and noted that the company is still in rapid expansion mode. ""It's an exciting time to be on the forefront," he said.
The company sees the evolution of efficiency in the data center occurring over five generations. The first was colocation; multi-tenancy to take advantage of scale. The second generation was a focus on density. The third on containment. The fourth generation is modular. The fifth generation is Integration, is this is where Janous says PUE will approach the 1.0 mark.
"Integration is thinking about system on a chip, and it's a little broader than that. It's about what it takes to make a data center work. "What integration means is thinking about upstream and downstream value chain and how we optimize it," said Janous.
In short, efficiency isn't just about the facility. "Let's figure it out all the way to creating a unit of content," said Janous.
Centralization Drives Efficiency
Janous spoke of parallels between online services and the energy sector, particularly the electricity sector. "Beyond the dependencies, there are a lot of similarities: large centralized plants, a network, and we have a need to balance supply and demand on a near instantaneous basis," said Janous. "There's not a lot of industries that need to do this."
"On a macro level, I think of the development of the electricity sector and over the last 100-150 years, it developed as starting as bunch of components, and then became centralized in plants. This is what we're seeing in data centers these days."
Janous notes that there were roughly 50,000 power plants distributed across the United States at the turn of the previous century. "Businesses didn't trust utilities," he said. "Then we had a massive revolution, not just on the tech side, but the business side. Centralization meant you could spread costs over customers, driving costs down and driving up demand."
Janous believes the data center industry needn't fear commoditization. He uses the example of the light bulb. Electric companies believed that because the light bulb was 4 times more efficient, it would drive them out of business. Instead, it created 4 times more lights. The corollary: as we get more energy efficient in the data center, it creates a bigger demand.
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The University Instrument Center maintains a wide variety of analytical and imaging instrumentation. Many of these devices are equipped with automatic samplers and are connected through Western's Integrated Laboratory Network, allowing 24 hour a day access and operation. The Instrument Center is located in ES 508. The following instrumentation is available at the University Instrument Center.
Imaging/Material Analysis
Scanning Electron Microscope (SEM)
|Vega TS 5136MM w/ EDAX Energy Dispersive X-ray analysis (EDX) , retractable backscatter detector (BSE), and Gatan Chroma CL (cathode luminescence detector).
The SEM is designed to make detailed images beyond the range of traditional light microscopy. The SEM can be used to look at a variety of materials such as minerals, artifacts, microorganisms, and manufactured material. The SEM software includes functions for image analysis and image processing.
Mass Spectrometry
API Mass Spectrometer (LC/MS)
Applied Biosystems API 2000 Triple Quadrupole
The LC/MS allows for the identification of molecules based on mass. The API 2000 can be used stand alone or in line with our Agilent 1100 Series HPLC. LC/MS is commonly used for environmental analysis, forensic toxicology, and protein and peptide characterization.
Gas Chromatograph Mass Spectrometer (GC/MS)
|Varian CP3800 GC with Saturn 2000 Ion Trap MS
In gas chromatography a liquid sample mixture is injected, vaporized and separated into its molecular components. A mass spectrometer creates fragments from an original or "parent" molecule. It then analyzes those "pieces" of the molecule to provide, among other things, information about the molecular weight of the compound and its chemical structure.
|High Performance Liquid Chromatography (HPLC)
Agilent 1100 Series pump and autosampler w/ 1260 Infinity series multiple wavelength UV-VIS detector and refractive index detector
HPLC is a method used to separate non-volatile, thermally unstable, molecular species dissolved in solution into molecular components.
|High Performance Liquid Chromatography (HPLC)
Varian 240 Prostar w/ programmable UV-VIS detector and Waters 432 conductivity detector
HPLC is a method used to separate non-volatile, thermally unstable, molecular species dissolved in solution into molecular components. This system can also be used for anion chromatography.
|Gel Permeation Chromatograph (GPC)
Viscotek VE2001 GPCmax with Viscotek 270 dual Low Angle & Right Angle (LALS and RALS), Viscotek VE3580 refractive index, and Agilent 1100 UV-VIS detectors
Gel Permeation Chromatography (GPC) is a chromatographic technique that separates dissolved molecules on the basis of their size by pumping them through specialized columns containing a microporous packing material. GPC is used to characterize natural and synthetic polymers, biopolymers, proteins or nanoparticles.
|Atomic Absorption Spectroscopy
Flame Atomic Absorption Spectrometer (FAAS)
|Varian SpectrAA 220FS w/ SPS-5 and SIPS auto sampling
Atomic absorption spectroscopy (AA or AAS) is one of the most common instrumental methods used to analyze for the presence and abundance of metals and some metalloids. The FAA is used to analyze samples with concentrations in the PPM range.
Graphite Furnace Atomic Absorption Spectrometer (GFAA)
|Varian SpectrAA 220Z w/GTA 110Z and PSD
GFAA spectroscopy is a technique that provides an exceptionally sensitive (ppb range) means of detecting metals and their abundance.
|Other Equipment
Critical Point Dryer (CPD)
|Quorum Technologies E3000 Series
The CPD is used to prepare certain types of samples for viewing with the SEM. Samples are chemically fixed, dehydrated, and placed in the CPD for drying. This drying technique preserves sample structure.
UV-VIS Diode Array Spectrophotometer
|Hewlett Packard 8452
UV-VIS Spectrophotometry uses ultraviolet and visible light to determine chemical properties and quantities of both molecular and ionic species.
Liquid Scintillation Counter (LSC)
|Packard 1900 CA Tricarb
Liquid scintillation counters are an effective method for detecting and measuring the amount of radioactivity present in a chemical sample.


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Even After Mortgage Modification, Shoddy Bank Practices Hurt Homeowners
Many homeowners have been granted a hard-fought mortgage modification only to have their mortgage company effectively pull a bait and switch.
Chanel Rosario was supposed to be one of the lucky ones. After years of sending and re-sending documents, waiting on hold and attending court hearings to avoid foreclosure on her Staten Island home, she'd finally received a much-needed reduction on her mortgage. Eagerly, she and her husband signed it and mailed it in last September. "We thought it was over."
It wasn't. After months of making payments, Rosario called the bank handling her mortgage, Chase Home Finance, and found out Chase was still reporting her as delinquent, damaging her credit score and putting her home in jeopardy. Despite months of trying to get an explanation with the help of a legal-aid attorney, she still doesn't know why Chase isn't abiding by the agreement.
It's a disturbingly common occurrence, say consumer advocates: Many homeowners have been granted a hard-fought mortgage modification only to have their mortgage company effectively pull a bait and switch. The problems range from homeowners being hit with unexpected extra charges to the bank simply ignoring the signed agreement.
Handling these types of cases "seems to be our specialty these days," said Noah Zinner, an attorney with the nonprofit Housing and Economic Rights Advocates in Oakland, Calif. In addition to the prospect of losing their homes, homeowners can also see their access to other credit cut or have their interest rates on their credit cards jump as a result of being reported delinquent.
To get a sense of how common this problem is, the nonprofit Connecticut Fair Housing Center conducted an informal survey of 16 legal aid organizations and one private attorney. In nearly a quarter of the 655 cases of modifications they reviewed, the mortgage servicer didn't abide by the terms of the agreement. In the worst cases, homeowners who thought they'd successfully run the gauntlet of servicer errors and delays found themselves once again facing foreclosure. Sometimes the house was actually foreclosed on.
"It's not just one servicer screwing up," said Andrew Neuhauser, an attorney with Advocates for Basic Legal Equality of Toledo, Ohio. "It's industry-wide practice."
ProPublica investigated six cases in which banks and other mortgage servicers offered modifications they didn't abide by. In some cases, like Rosario's, the bank was accepting new lower payments but seemed to have no record of the agreement. In another, accounting mistakes resulted in a buildup of arrears and late fees. One homeowner was hit with a bill for more than twice the agreed-upon payment three months into a modification. Another received a foreclosure notice out of the blue. You can see our rundown of these cases and the servicer responses here.
In general, the servicers contacted by ProPublica either corrected the problems or said they'd work to do so. None responded to a question about what steps the company was taking to prevent these sorts of problems.
Attorneys interviewed by ProPublica said that they were usually successful in getting servicers to correct the problem but that it often took the threat of litigation. "It certainly seems that when the servicers have to, they'll fix it," said Zinner, the legal-aid lawyer from Oakland. That may work for those who can afford lawyers or find free legal help, but most homeowners don't have legal representation.
The frequent errors are par for the course for mortgage servicers, the companies that collect payments from homeowners and handle modifications and foreclosures. From widespread forgery to "robo-signing" to mistaken foreclosures, the failures have stemmed from the industry's choice to devote inadequate resources to handling troubled loans. Those issues, it turns out, can continue to affect borrowers even after a modification has been signed.
All this has happened on the watch of federal banking regulators, who only launched an investigation of the servicers' practices when they became front-page news.
Bryan Hubbard, a spokesman for the Office of the Comptroller of the Currency (OCC), the primary regulator for the country's biggest banks, said regulators were aware of the problems and are putting processes in place to address them. The banks, for instance, will soon be required to provide a "single point of contact" for each homeowner, so that when an error does occur, the homeowner will supposedly be able reach someone knowledgeable about their case.
The homeowners interviewed by ProPublica often complained of being unable to get an explanation for why their servicer wasn't following the signed contract. One had even complained to the OCC without any results. Inevitably, they found themselves passed from one servicer employee to another, none of whom seemed to understand the situation.
"What they did was put blame on me, burden on me to get this straight when they already knew what the mistake was," said Carolyn Chaney of Seattle, Wash., after battling with Bank of America.
As we've noted, advocates have criticized regulators like the OCC for their poor track record in identifying servicer abuses and are skeptical that the new regulations will substantially improve the experience for homeowners.
In April, regulators ordered 14 of the country's largest banks to make a variety of changes to their servicing operations and to review their foreclosure actions over the past couple years. Servicers violating modification agreements is "among the kinds of issues that the enforcement actions are intended to address and that the foreclosure 'look back' review will help quantify," the OCC's Hubbard said.
Under the foreclosure review, homeowners could be reimbursed for "impermissible or excessive penalties, fees, or expenses, or other financial injury suffered," he said, including somehow compensating the homeowner if there was an improper sale of the house. As we've reported, many details of the reviews remain uncertain, including how much banks will be compensating wronged homeowners.
"The biggest factor in determining an appropriate remedy is to determine the actual financial harm suffered by the homeowners as a result of an improper foreclosure action," said Hubbard.
Homeowners seeking redress often face an additional hurdle due to the servicer not returning their signed copy of the agreement, said Jeff Gentes of the Connecticut Fair Housing Center. "You're arguing uphill," he said, if you don't have conclusive proof that the servicer agreed.
Told of this problem, the OCC's Hubbard said regulators would consider requiring servicers to return the signed agreements to homeowners.
55 comments
The time has come to stand up and demand justice! All responsible for the biggest financial fraud in the history of the world MUST be prosecuted or this country will never be healthy again. I want a nice, prosperous future for my kids, but with the same players who brought America to its needs that would be impossible!
Please join and send a letter to your Registrar of Deeds - they need to take a lead!
My Register of Deeds (MA) ran an audit on my mortgage and found a lot of illegalities (the things that I knew since the beginning). We should all stand up and demand justice or we'll be slaves forever: http://tinyurl.com/3qsu87x
ALL these homeowners need to put signs on all their cars, with names of banks to draw attention to this problem>
What can someone like my husband and I do who has had our credit ruined from Chase going back to June 09, never got a modification, never recieved any bonding information from the lender on facts. Not once were we told our credit would be ruined during our trail period which lingered on for 10 months..THIS IS AN OUTRAGE..Help!!!
After a 22 month ordeal with Wells Fargo I was denied a permanent modification and had to hurry to pay back all of the "delinquent" funds that were not applied to my account even though I was never late with my temporary modification payments. Since it went on for so long I was nearly $10,000 behind. Luckily I was able to pay back the money owed through the sale of my primary vehicle, my motorcycle, several yard sales, and the use of my savings. All of my assets were sold off to keep my home.
I found that I was going to be 1 month behind again last month due to a change in the way I am paid at work. Instead of being paid for completed work I am now only paid on the work that our customers pay for. That means I had several completed jobs not picked up and thus I was not paid for them.
To remedy this situation I entered into a repayment plan that was to go into effect on the 29th of May, last Sunday. The deal was that I had to pay over the phone on the day it was due and completely in full. When I contacted Wells Fargo's account payment department on Sunday they were closed. I called back on Monday, Memorial Day, and they were closed. I then called them first thing Tuesday morning and attempted to make the payment. I was then informed that I was no longer on the repayment plan because I hadn't made the payment on time. After explaining that I had called I was told that I should have called their Collections Department, not Payment or Customer Service as they are "always open". This information is not available on their website nor is it an option of thier phone prompt system.
The only option at this point to reestablish a repayment deal is to do so in writing. This will likely take several days and I was informed that I would be incurring late fees and foreclosure proceedings retroactive to the day of default even though I was only 31 hours late over a government and bank holiday weekend.
Not to sound sarcastic but I would gladly pay my next installment a few hours early to make up the difference. I just don't understand their lack of flexibility and the importance of paying them on one specific day and in one specific format other than to intentionally trip up the homeowner even if they are willing and able to make payments based on agreed upon terms.
Now I am over 30 days behind and my most recent payment is not adequate because of the fees that were also made retroactive and then applied first to all payments. If only Maryland were one of the states in the headlines like Nevada and Florida there would be more local help and access to representation that is useful.
I don't think the OCC can improve the behavior of Bank of America or Citibank or any other large financial institution. When you have institutions simply ignoring agreements with their customers your dealing with a lack of ethical behavior. Regulation will not make these companies change thier culture to reward acting in an ethical way.
Good old Chase strikes again. They've done the SAME thing to me with regard to reporting payments delinquent during the forbearance period (3 months that turned into 6 months that's now STILL in limbo - they've even gone so far as to send payments BACK to me). Chase is by far the worst. They failed to credit my forbearance payments to my loan, reported them as "partial payments" however, continue to request "updated docs" even after 2 1/2 years of this nonsense, and the list goes on. They so-called "single point of contact" has changed 4x in the past 2 months (many more since the onset of this process). Each time, I tell the "Relationship Manager" to contact my attorney as I've retained him to further handle this mess - I've sent it to Chase in writing, emails (directly to Dimon), vm's, person-to-person. Guess what one Re. Mgr. told me??? "Well, we here at Chase prefer to work directly with OUR customers because those attorneys, well they have a mighty full plate these days and are difficult to reach." LOL!!!
So, my attorney sent a very to-the-point letter to Mr. Dimon et al last week. That's the point I'm at. :)
Almost forgot: my "case" with the OCC has been "under review" since LAST July, 2010. So, I keep sending in new complaints, which they just add to the old one. STILL "under review." Thought that process was to take a max of 90 days??? Guess not.
I experienced the inability of the credit card companies (independent of a Loan Mod) of reporting "late payments" to all three credit agencies due to THEIR fault in posting an electronic payment late. the net effect: within 45 days my interest rate went from 1.99% to 35.% and it was the incipient cause of my own bankruptcy. The rate went to 64% by the time I could not even make the Minimum Monthly payments, and had to declare bankruptcy. I did an analysis for the bankruptcy trustee and of the >170,000 assets that were discharged >32,000 was late fees and interest rates because of their error.
When I tried to have the cr dard companies correct THEIR ERROR I got no responsibility, and no action.
I went to a credit lawyer and he told me "You are not alone. If you have 7 years and $30,000. we might win in court.Your evidence is indisputable" BTW: I am a professional accountant who did corporate payables for 28 years, so I did/do have the proof. It availed me not.
I have been dealing with CHASE since September of 2008. It's been the same routine -sending updated documents- update drive by appraisals, which by the way they have inflated because I was told by a CHASE rep. that they needed to present it to the investor so they can decide whether it will be a loss or benefit for my modification. It was inflated by an obvious $100K!! I had never been turned down or offered trial payments. They did strongly encourage that I be late at least 90 days in order for my modification file to be submitted then they would review it then it would be assigned. I was going through NACA which a lot of us know CHASE and NACA were bumping heads for several years because of CHASE's dishonest and breach of contract. Just last month I get a letter stating my modification was denied because it was incomplete. ARE YOU FREAKIN' KIDDING ME!! Then within a week I get an acceleration letter for Foreclosure. OMGoodness, how depressing, disturbing, and all of the above. I cannot think straight anymore. I have been in constant communication with my lender and speaking to thousands of representatives which they all give me different information. This is insane! Talk about stress levels sky rocketing and it shows on me, home at work. I'm a single mom of a toddler and I cannot imagine how I look to my poor baby. I cannot function well. This has to stop. I have asked for help early on and its been a year that i have fallen behind but I started asking since 2008!! I don't hide nor lie. I work hard to support a roof and food and of course, my child! And I'm in this mess because my lender lost my payments in 2007-they told me to try again in a year and I did but now what? They lied to me in 2007, they told me they would lower my rate, they returned my payments (3) before they could start a loan restructure. They had this planned. I'm on a 7.5% interest only loan now and the balance is $400k Plus…
THANK YOU PAUL for great reporting.
The OCC is worthless. That agency will not help so please do not put faith into any type of assistance coming out of this government agency.
Andrew, so terribly sorry to hear about what Wells did to you.
There was allegedly regulations put in place, i.e. the consent orders that the "regulators" (and use that term is used loosely) put in place with the banksters. The guise of actually implementing new regulations was nothing more than a backdoor deal to circumvent the AGs settlement.
The economy will not recover until the housing market is stabilized and the end is not even in sight yet.
Century+ old real property laws have been ruined by the filing of fraudulent, not flawed, documents in courtrooms across the country. Where is the FBI, the Department of Justice? No indictments? No one has gone to jail for the biggest crisis since the S&L scandal.
If you are considering a loan modification, beware. The first step in this should-be illegal process is the bankster telling you to be in default before they can help you.
We're helping people and sharing knowledge at beingmiddleclass dot org. Please join us. There is power in numbers.
For anyone who has the bankster reporting your late because you started a trial program, read this guideline, at page 14. Contact the bankster to remind them of this Guideline. Should they fail to correct the credit report, dispute it with every credit agency. We have much more information about the subject of wrongful foreclosures, fraudulent foreclosures, HAMP, MHA, sample letters, contact information, etc. at beingmiddleclass.org —we'll help you. It's a free forum. https://www.efanniemae.com/sf/guides/ssg/relatedservicinginfo/pdf/hampfaqs.pdf
Remember, corporations are just people, too (according to the Bush-appointed Supreme Court justices).
Gee, what a surprise - Chase, one of those banks that took Rosario's tax money and mine, isn't abiding by their own agreement. And why is this possible? Because they don't have to. They are backed by the best Congress their money (AKA our tax money) can buy.
@ Lori, Andrew, etc. - allow me to respectfully disagree with you all. If I may say so, anyone at this point who buys into the temp mod payment scheme gets what they ask for - effed over.
The low percentage of temp mods that transfer over to successful mods is a red flag. The OCC's impotent, flaccid response to the tsunami of consumer complaints and legal and journalistic investigation is an affront to every living taxpayer.
Stop writing checks, folks. Just say no. Stop fooling yourselves about this. Save the money you don't pay for a move. There is plenty of rental inventory our there in many communities, or see if you can sublet or room in with a friend who could use some dough.
Banks use the co-opted regulation system, lousy with Goldman Sachs louts, to simply vacuum up what remaining money you have. They can see from your paperwork what your assets are and they wait to f.c. until they estimate you have paid them what you could get your hands on.
No home is worth the stress, distress sales, missed work time on the phone, lawyer bills etc.
I like my house but I am throwing in the towel. The banks won this one, call the game. Geithner even said a while ago that the housing "assistance" programs were designed to smooth out the flow of f.c. property into banks. It was never intended for you.
Take the hint. No more checks. Money for your family, not a bailed-out bank.
I really think we need to start jailing our banking CEO's, who seem to care ONLY about their next bonus. They have ceased regular banking and now focus almost exclusively on gambling . . . with our money.
Once upon a time when we did banking with our local bank, the bankers were responsive to their customers/neighbors and scrupulous in managing the bank's business. Today, corporate bankers don't deal with people, they deal with process and far too often the "process" has interest only in the bank's bottom line and banker bonus's. As for bringing these corporate bankers into line don't bet on it. The money-lenders have legions of lobbyists to descend on Congress (whose member's often receive special treatment on loans) yelling about "over regulation."
This kind of outrage will not stop until there are real, personal consequences for these banksters.
We should start with jail time, and if that doesn't work, parade some of them in orange jumpsuits and chains on the floor of the NYSE. They could be made to wear signs denoting their crimes.
Its time to re-engineer the system to work for the people again instead of the other way around.
The budget problems of this country, will not fix, until the crooks who caused it are prosecuted. Then we will have to extend the budget ceiling to pay for the hundreds of prisons we will have to build to hold these crooks. Is our AG on the gulf coarse also?
Who are these mortgage servicer's who are doing this???
Could one of them be Aurora Loan Service? Who is a holding company of Lehman Brothers?
Who are these mortgage servicer's who are doing this? Could this be Aurora Loan service? Who is owned by Lehman Brothers?
When I lost my well paying job, my (now) wife and I just walked away, after we had bought a new house. We got the phonecalls and the letters for about three months, we ignored them. One bank lowered her rating, but not that much. Mine was not touched, probably since I had over 1/2 million with them, I was still a good risk. Fortunately we had (have) a friend in the loan business who walked us through everything. We did not even have to consider legal action.
The house, that I had bought before we were married, for $460K, most recently sold for $166K and it is empty. (We at least had renters for about 6 months.)
Tom O, hope your not in a recourse state.
OCC is part of the reason of the housing crisis for not regulating Wells Fargo. We filed complaints against Wells Fargo for loan origination fraud in 2006. Instead of holding Wells Fargo accountable, OCC spent the last 5 years aiding Wells Fargo to continue defrauding homeowners.
Please sign the petition at http://www.wellsfargomortgagefraud.com and join the fight for break up 'too big to fail' banks.
Question, Who in their right mind is going to be willing to buy a house when they have to be dealing with these Banksters Gangsters Servicers? Who in their right mind would want to be dealing with these people for 30 years of your life with your 30 year mortgage? What about Junk fees, Force Insurance, Escrow fraud, outrageous late fees, etc, etc, Think About it…It would come to a point when nobody will be willing to buy a house and then what???
(tranquillity and peace of mind has no price)
Andrew King, I should not tell you this but I hate what WF is doing with you, I going to give you a bad advise, stop giving your money to these Mafia Banksters, Robbers, stop paying and stay in your home for the longest you can and save, apply for a loan modification, to stay even longer, keep saving and its even possible that with your new less income may be easier for you to qualify now, you can also get a REST Report which will improve substantially your chances of the appoval, go to the process for the longest that you can and in the mean time save your money (and you may even get your mod approved) but if not, fight it, push back, stay the longest, then if you can't do any more go for the short sale and stay even longer, save more money, fight foreclosure, stay longer and keep saving, then buy a house cross street for half price or rent for cheaper without the mortgage stress
Many of our members around the USA are complaining that they have been trying to get a HAMP Loan Modification for over 1 year only to find that their home was foreclosed upon and sold by MERS without knowing who really owned the note. AXJ ® has filed complaints with the OCC and Attorney Generals around the country and soon to be preparing class action lawsuits.
There is no need to spend the money on a REST report. You can determine if you qualify for HAMP without it. Should you fail the NPV test, then it might be something you want to consider, but I personally would not spend money on a REST report. You are entitled to get the results of the NPV test, inputs used, Free. Most homeowners are struggling to make their payments and do not have the money for a REST report. If you decide to apply for a loan modification, be sure to research (1) any company who claims they can get your loan modified, there is no need to pay any company, attorney, etc., you can do this on your own; and (2) do not pay for any REST report, computer program, etc. Do your research.
Enough is enough!! Somebody need to start serving jail time!! Thank God actions are being taken to correct actions taken by banks causing undue suffering and lost to homeowners. Banks just refuse to help out the American people!! The operate like a entity unto themselves above the law of the land! I wonder when jail time is handed out, how many of the employees, from the CEOs on down to the rank and file..will remain greedily loyal??!!!
The bank like all other corporations and businesses are entities whose purpose is to create jobs, serve the public and…make some people rich, but now they act like they are only about making somebody rich!!
JAIL TIME AND PAID OUT PUNATIVE DAMAGES NOW!! Thanks!!
It's disheatening to say the least to hear all of your stories. I feel for all of you who are stuck trying to battle Goliath. Perhaps my story might make you feel a little better.
When the housing crisis hit and I realized that our home was worth less than the mortgage, we were already struggling to make the payments, and that an ARM would kick in about two years later which would push the interest rate into the double-digits, I did my best to work with the bank to get a modification. Months and months of phone calls, sending and resending all of the financial info they asked for, etc. produced no tangible results. Eight months later I was informed that they couldn't do anything for me and that someone should have told me that right away. So I decided to take matters into my own hands.
I decided then to make a strategic default and soak the bank (Bank of America) for every last penny I possibly could. I have no moral hazard as this is not an issue of morality (unless you consider the immoral treatment the banks met out to all of us because they know that they can get away with it and make a pretty penny in the process!).
In July 2009, I stopped making payments and called BofA to give them my "offer". A 30-year fixed rate for the current value of the home (probably about $180k rather than the $300k we owed them). They of course were "unable" to help. I said fine, you've received my last payment. Now almost two years later I have lived in this house for free and BofA has had to pay the property taxes to boot. In all I've saved myself about $70k which basically covered my cost of getting the loan and has paid for all of the money we sunk into the place. Sure my credit is trashed, but we don't need credit. Credit (aka debt) is what gets most of us into trouble in the first place. Now even if I wanted one of those shiny platinum Visas with a $25k limit I couldn't get one which is great because it removes the temptation to turn to credit when the inevitable financial curve balls come our way. We just have to tough it out and pay as we go.
I imagine that by the time they actually forclose we'll have saved about $80k and there's NOTHING that they can do except take back the crappy little two-bedroom ranch that they will never ever recoup their costs on. So, I'm feeling pretty good and enjoying the letters and phone calls that they still make in a vain attempt to get me to do something.
Hope this brightens some folks days out there. I just wish a HUGE portion of the citizens of this coutry would join me and then really stick it to the banks… God knows they deserve every last bit of it!
Best wishes to all of you and I hope that you all can get through this mess and come out on the other side with your sanity and health in tact.
I guess I could consider myself one of the lucky ones….we applied for a loan modification with America's Servicing Co (which, I believe, is a subsidiary of Wells Fargo). We sent, resent, sent some more, and kept sending updated documents for over a year. Constant weekly phone calls (I wisely kept a log of who I talked to, what was said, and the date and time). I was given all sorts of stupid advice; i.e., stop paying for 90 days (didn't do that), you don't qualify for a HAMP (but later, they recanted on that one); if "we" can't get you a HAMP modification, we have "in-house" modifications we can do for you (yeah, fat chance of that). Anyway, we continued to pay our higher mortgage for the entire time (after having to file Chapter 13 bankruptcy on our other creditors….luckily, my husband and I both have fairly stable jobs making decent money). Finally, we got a letter from Wells Fargo stating that they would "refinance" our current balance at a lower interest rate…..4.65% down from 6.25%. This brought our payment down about $750/month. It wasn't much, but it was better than nothing. When I called them to see if this was a "permanent" modification, I was told that it was. Apparently, because we kept paying the higher payment, they ascertained that we would have no problems paying the lower payment. We've been paying the lower payment for almost a year now….haven't heard anything from either ASC or Wells Fargo. I do call every other month or so to make sure we're still okay and payments are being posted and made on time. As a note, I ALWAYS send my payment via FEDEX with signature required. I make a copy of both the FEDEX waybill AND the return which shows who signed for the payment. If they ever come back at me for not paying….I have proof. I also send them a cashier's check from my credit union…..I prefer to pay the $5 bank charge to make sure I have a valid copy of the check. It's a little more hassle, but I'm covering my A$$$, if you know what I mean. I really feel bad about everyone who is having problems….it wasn't an easy thing for us. Again, it was constant phone calls; constant re-faxing, etc., but it worked. Just keep a log of everything; it's better than nothing.
@Didi: As another homeowner going thru hell - I'm glad things appear to be working out for you. But can't tell why you needed "help" in the 1st place as both "you and your husband have stable, good-paying jobs". Many, many people do not & it's those people that are suffering because the modification program is a shambles - probably due to the fact Congress knew that those not intended for the program would take advantage of it and make efforts to help those who do worthless- much like yourselves.
I'm not jumping on you but - your story is the exact reason the servicers and politicians have resisted improving the loan mod program - because it would be perverted by those jumping on the bandwagon who didn't actually need help. A pity that people don't consider others more & believe they are entitled to whatever they want because they "deserve" it. Maybe it's just me - but your story sounds more sickening than uplifting.
@ Noel - BOA pays your prop tax? Who pays the insurance & HOA?
If you don't mind saying…
I agree that stopping payments to banks is the way to go. They can wait. Hope you get another two years, or more. Maybe they will lose your file, lol.
But you still bear slip & fall liability, etc.
@ Tutt - ah, a bankster was ambled in. FYI - regardless of net worth or income, Didi is entitled to seek and pay the lowest available mtg. interest for which she qualifies. That was in the bailout language, old news.
I hope she has the arrangement in writing. Banksters will "forget" the terms of any deal they didn't put in wet ink.
Good on Didi. Hope others get their deals worked this way. Prevailing rates would keep many people in homes and that is what is offered to the vultures currently gutting many communities with lowball sales prices and rock bottom prop taxes that follow.
Didi's prop tax was probably not impacted much and she thus pulls her weight in the locality, enriching vulture speculators who receive unjust benefits.
Oh I forgot to mention… they pay my homeowners insurance too!! Forgot that little gem!
Oh, forgot to mention that BofA also pays the homeowners insurance! We don't have to pay PMI.
My loan was with Suntrust and I actually got a permanent modification in June 2010 and had made all trial and modified payments according to schedule. However, Suntrust never "booked" the loan and each time I would call they would tell me everything will be done in a few weeks. This went on until Nov. 2010 when my servicing was transferred to Nationstar. Nationstar immediately put my in default and accelerated the loan. I got a signed/countersigned copy of my Modification Agreement from Suntrust and sent it to Nationstar. Nationstar sent me an email telling me that they would not honor the modification and I would need to start over or prepare for foreclosure. Screw that!! I am an attorney and filed a lawsuit against both Suntrust and Nationstar. I am having the case handled by another lawyer in my office. I filed the lawsuit as my only way to stop them from screwing me even more. Suntrust is basically saying it is not their problem and the case should be dismissed and I should have to pay their attorneys. Nationstar didnt even bother to answer the Complaint and only answered 60 days late when I asked for a default judgment for 3x the loan amount! There was supposed to be a pre-trial hearing and hearing on the request for default this week. The lazy piece of garbage judge allowed Nationstar to answer late and wont even hear the default request. Both mortgage companies and the pretty much told my attorney that my case is a joke because I was "not harmed and have no damages." According to Nationstar at some point after I filed the lawsuit they went ahead and accepted my modified loan, but I never got any notice of that. I am furious and absolutely disgusted with the court, the judge, the banks and mortgage servicing companies. They are going to get away with this and the judge is going to not only allow it to happen but blame me for it!!! My credit is screwed, the payments are all wrong, the escrow is incorrect, they threatened me and my family with foreclosure and lawsuit, and the only reason they stopped is because I filed a lawsuit. At this point I don't even want to be an attorney any more because the law means nothing these days. I feel truely dejected.
to drew i read your story and its tragic as they all are.there is something
the government can do at any second that obama feels to. simply
call up the treasury and pull their banking licenses leaving them
dead in the water! they would have to stop doing business in a matter
of days. obama needs no help or any interference by the house or senate
as they have no say in this! but of course he says he will need a billion dollars to be re elected and could anybody here care to elaborate
where the moneys going to come from? he could close the stock market
in seconds just because he can if he wishes but he is a liar a coward
and couldn't give a damn about anyone but the mega rich because
they are paying for this!
from livinglies(dot)wordpress(dot)com site (by Neil Garfield):
"...the asset on the books of the securitizers related to mortgage "interests" is an illusion. And the failure of the auditors to make a statement regarding the questionable nature of these assets is actionable. But more importantly, the assets claimed on the securitizers balance sheets constitutes a large portion of their total assets. Wipe those out and the bank is suddenly smaller and out of compliance with the reserve requirements of the Federal Reserve and any other agency regulating the activities of a lending institution. Unless they suddenly repatriate the hidden fees from the mortgage meltdown which I estimate to be around $2 trillion, the bank is in the state of undeclared failure. And if they do repatriate the money all at once, they will have a lot of questions to answer including why they needed a bailout…"
Listen up and focus up, people…there are people getting their homes free and clear and ALSO ALL THE MONEY THEY PAID TO THE SERVICERS OF THE ILLEGAL LOANS…FOCUS UP AND CHECK YOUR DOCUMENTS—-IT'S ALL FRAUD!!! Don't sign for a FAKE loan mod—-THEY DON'T WHAT YOU TO KNOW THE TRUTH!!! It's a giant coverup—-PLEASE START DOING YOUR OWN DETECTIVE WORK BECAUSE THEY SURE AS HELL AREN'T GOING TO PUT THIS ON THE SIX O'CLOCK NEWS!!!!!!!!!!!
FYI—-I defaulted on EVERYTHING!! Hell, a FICO score is just an "I love debt score"...screw the banks/wall street—-they screwed America with their mortgage ponzi scheme…and the government continues to coddle them…while the TARGET of the fraud—-homeowners—-continue to be thrown under the bus…I know what I'm talking about, people…please educate yourselves…even the judges and lawyers are being paid off to push illegal foreclosures through…but it's all coming crashing down…please don't let them steal your house…
start reading and looking at your documents—-and don't give the banks/servicers ONE MORE PENNY!!!
sorry…I'm on a roll…check it out:
I got a "loan" refinance" in 2006…
defaulted last year…
screamed, fought for a loan mod like CRAZY…
got a trial plan…
made one payment…then discovered the giant FRAUD (it's in yours, too!), in my original and subsequent paperwork—-re. mortgage-based securities…( discovered the truth on livinglies(dot)wordpress(dot)com website..)
told servicer "WHY would I make ONE MORE PAYMENT TO YOU, unless you PROVE that a "REAL LOAN" even exists, and who the hell am I paying? And why is the loan number different than my original loan? And why is the securitized trust that you say my loan is in EMPTY? And why does Deutsche Bank say they don't own any loans, yet you are telling me that they own my loan? And why is there no mortgage assignment? And where is my original promissory note? And how come I keep hearing about MERS fraud? How can a database be a beneficiary????"
THESE ARE THE QUESTIONS YOU NEED TO BE ASKING…I guarantee they can't answer them adequately, not to mention LEGALLY.
So, I am now filing for Chapter 7 BK, and I am treating my "fake mortgage" like the UNSECURED DEBT that it is…and staying in my house till I die…I know it sounds unbelievable, but people are doing this.
Forgot to say WATCH THE ACADEMY AWARD-WINNING MOVIE "INSIDE JOB"—-then watch it again…AND AGAIN…you will get mad enough to fight and do whatever it takes to stay in your home and stick it to the banks, for what they did to the American people…and what they will continue to do…until we ALL start FIGHTING BACK with the LAW…which IS ON OUR SIDE. The problem is the situation is so unprecedented and unfamiliar with judges and even lawyers, that we literally have to SHOW them how various laws were violated…I know it sucks, but WE HAVE TO DO IT FOR OUR FUTURE AND OUR CHILDREN'S FUTURE.
Carie is right, but I would add that also please read : The Great American Stick Up, 13 Bankers, All The Devils Are Here, The Big Short, Educate yourselves, Information is Power ! : )
I suspect that this mess is a symptom of something else - that the banking system is falling apart. Changing the terms of loans requires the mechanisms to track and act on the changes made. Unfortunately, this requires additional personnel putting in the additional time, e.g., changes to billing systems, updates to the the database, etc. The banks are trying to hold on to every dollar that comes through their system. Why? Because truth be known, they're insolvent and they're cutting corners to try to maintain the illusion of solvency. That's what you're seeing in this article.
The major banks (through which 77% of banking transactions flow) are trillions of dollars out of balance - that is, "T" not "B." It all comes down to the real estate market. It's complicated but it suffices to say that every day that passes, the value of real estate goes lower and the difference between that the outstanding value of the loans and value of the real estate assets becomes greater.
No one wants to nationalize the banks - especially this President who appears to be concerned about being called a "socialist." But soon the banks just won't have the assets to maintain the illusion solvency as much as they try to cut corners. I'm pretty sure that things will soon come crashing down. It will likely start out as what seems to be something small. But since we're on the edge, even something small can push you over.
These Banksters want you looking at yourself, because they don't want you looking at them. Home owner advocates fall prey to the proclivity of discussing primarily the circumstances of the debtor rather than that of the creditor. However, the question IS NOT how good is your claim to the security interest in the real property you call home. The real question is how good is the security interest of those who seek to take it from you? And how did something so simple and mundane as a mortgage become so irreparably harmed? Could it really have been mere incompetence?
Possession is an important part of the law. If there is a serious and legitimate dispute over ownership, which has now been well established for about 60 million properties and some 7 trillion in securitized mortgages, why would you give up your legitimate claims? Perhaps you would do this only if you did not realize just how legitimate your claims are (default or not), and how ILLEGITIMATE theirs are, because after all it is not the topic of the many phone conversations with your servicer.
In fact, given the gravity of the question over clear title, the only seemingly prudent thing to do is to suspend mortgage payments, weather you can afford them or not, and I would advise to instead place those funds into a private escrow account.
That is why they want you to be highly circumspect of your condition in life, because you will be TOO DISTRACTED TO NOTICE THE THIEF IN FRONT OF YOU.
These thieves Bankstsers and Services will try to help you undervalue yourself. DON"T !
If you don't have a Ph.D in finance from Harvard, you probably couldn't design this Ponzischeme if you're life depended on it.
Your servicer wants to see if it is to be sold in the near term, they will want the fastest sale, not the highest sale, remember they are crooks.
Information you give them it is not primarily, as you may be told, to determine qualification for a modification is to determine how can they get and sale your property faster. that is why you have to push back if you get denied challenge their decision if you get denied, don't give up and fight it, don't believe anything they tell you, they just want to screw you one more time by taking your home, they are only the counterparty in interest to a loan that was taken out as part of our (unknowing) participation in a global pyramid SCHEME.
I will like to add that we now know much about predatory lending. We know about LIAR LOANS that were wholly executed by highly compensations by banksers. We know that the more CDO's and synthetic CDO's that were sold with AAA ratings (despite being jam-packed with junk sub-prime paper), the more billions investment banks made. We know that banks understand that their security interest to the real property used in the MBS trusts IS NOT THERE, and that they are WILLING TO USE FORGERIES, and PERJURY as their means. Basically, the lesson of the last few years is that the engineers of this HYPER-PYRAMID SCHEME will do anything to get what they want.
Fight the good fight
People who took on loans they could not afford are responsible, not the banks that gave them these loans.
Mr. theOtherSide, you are out touch, your comment is so 2008, I suggest you educate yourself and get inform, I will recommend you a Few ways to do that Watch the Movie "inside Job" read the Books The Great American Stick Up, 13 Bankers, All The Devils Are Here, The Big Short, The Monster, go to the following websites, 4closurefraud.org, livinglies.wordpress.com, and read all of the articles that Propublica has published in this website in regard to this matter
Educate yourself Man!
Carrie; acmod - pls. stop nuking these boards with massive, caps-locked posts. Can you summarize to one post, and link to a blog instead?
If I'm not mistaken Pro Publica is a left wing news org financed by George Soros and his buddies Herb and Marion Sandler of World Savings fame. You know the ones that created the Ajustable Rate Mortgage that helped lead to this mess? Although I agree with most of what is written here, it just seems funny to me that this bunch who is every bit as culpable in the Sub Prime Meltdown as the banks would be pointing fingers. A misdirection ploy maybe? I hear the SEC maybe looking at them recently.
BoA's new ploy is to transfer servicing rights from BoA Home Loans Servicing,LP to BoA N.A. I truly hope I live to see the day they go under due to all of their lies and greed. They are now also calling at 6 a.m. and saying they are sorry they didn't realize the difference in time zones. Now instead of person calling they have automated voice recordings do it for them at way too early an hour. With their false credit reporting and now these tactics it is next to impossible to deal with these reprobates. They are absolutely disgusting!
Commenting on this story is closed.
Foreclosure Crisis: Banks and Government Fail Homeowners
Banks and the government have fallen short in helping homeowners in danger of foreclosure.
The Story So Far
Systemic failures at the country's banks and mortgage servicers have exacerbated the most severe foreclosure crisis since the Great Depression, and government efforts to limit the damage have fallen short. ProPublica created an unrivaled database of homeowners who have faced foreclosure, opened a Facebook page to encourage homeowners to share their stories, wrote profiles of some of them, and incorporated their experiences into our reporting. We also provided a comprehensive rundown of the numbers behind the crisis.
Latest Stories in this Project
- Bank of America Lied to Homeowners and Rewarded Foreclosures, Former Employees Say
- For Most Homeowners, Gov't Foreclosure Deal Brings A Few Hundred Bucks
- Feds Replace Flawed Foreclosure Review With Vague $8.5 Billion Settlement
- As Foreclosure Crisis Drags On, So Does Flawed Government Response
- Cheat Sheet: BofA Supplied Default Answers for 'Independent' Foreclosure Claims Reviewers


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Ogden History
Ogden, Utah's Colorful History
Despite its Mormon roots, Ogden was once a lawless frontier town teeming with larger-than-life legends and colorful characters. Discover the history of this Crossroads of the West:
- From about 400 - 1350 A.D. the area was home to the Great Salt Lake Fremont Indians, followed by the Northern Shoshone and Goshute tribes.
- The first permanent settlement by people of European descent in Utah was made here and originally named Fort Buenaventura.
- Mormon settlers bought the fort for $1,950 in 1847 and Ogden was incorporated as a city in 1851, making it the third incorporated city west of the Missouri River - after San Francisco and Salt Lake City.
- It became a typical Mormon settled western community of homes and businesses centrally located with farms surrounding the outlying areas. The Ogden River to the north and the Weber River to the west created a natural boundary to separate farm land from land for development.
- With the completion of the transcontinental railroad, Ogden welcomed the world via the Union Station Depot, the junction for railroad travel in the Intermountain West for several decades.
- On March 8, 1869, the first locomotive steamed into Ogden following right behind the Union Pacific track layers. The citizens of Ogden came out to welcome the train with banners that read, "Hail to the Highway of the Nations! Utah bids you Welcome."
- Tullidge's Quarterly magazine reported, "Three cheers for the great highway were then proposed and given, when the wildest enthusiasm and demonstrations of joy prevailed, and the shouts rent the air. Amid the alternate pealings of the artillery's thunder, the music of the band, and the long continued shrill whistling of the three engines, the waving of hats, kerchiefs, and other demonstrations of pleasure, rendered the occasion such as will not soon be forgotten by those present."
- With the connection of the Union Pacific and the Central Pacific, along with other rail lines that went north and south of Ogden in the following years, Ogden was designated in 1874 as the junction location of the two companies, earning it the nickname "Junction City."
- All sorts of visitors - some legitimate and some not so much - poured into town, strolling up and down Historic 25th Street to prospect for business, dine, gossip, and enjoy upscale shopping.The city quickly became known for its rough and tumble character, a place where one could witness gambling, prostitution, narcotics sales, robbery, rape and even murder.
- An article in the Western Galaxy dated June of 1888 stated, "Indeed, the 'Junction City' has a future almost certain to put in the shade any of her sister cities; she is likely to become the Chicago en miniature of the Intermountain region."
- In the 1920's crime boss Al Capone himself was heard to comment that Ogden was too wild a town even for him.
Ogden today is all about one thing - making you feel at home while setting the stage for genuine adventure.


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Welcome to E-Books Directory
This is a freely downloadable e-book.
Secrets of Network Cartography: A Comprehensive Guide to Nmap
Read this book online or download it here for free
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Secrets of Network Cartography: A Comprehensive Guide to Nmap
by James Messer
Publisher: NetworkUptime.com 2008
Different Nmap scans are profiled, with advantages, disadvantages, and usage guidelines for each one. Real world Nmap scenarios are presented from the perspective of the enterprise security manager, including spyware remnant identification, asset management, compliance testing, firewall auditing, and more.
More Sites Like This
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Montreal Canadiens home to Ducks in hockey betting action
Anaheim Ducks
Montreal Canadiens
|October 24, 2013, 07:30 PM | Bell Centre
The visiting Ducks hope for a solid performance on Thursday as they look to steal a win at Bell Centre against the Montreal Canadiens.
The Canadiens bring a 5-4-0 record to the battle against the 7-1-0 Ducks. OVER/UNDER bettors have seen Montreal go 3-6 so far and the Ducks go 4-4.
View Anaheim Ducks vs Montreal Canadiens Odds and Stats.
The visitors opened as 134 moneyline underdogs in this one at most online sportsbooks tracked at Odds Shark, including 5Dimes. The total opened at 5.5 for those preferring over under wagers, watch for the line updates during the day at Bovada.
The Canadiens - Ducks odds would favor the Canadiens if the lines were set according to our power ranks. Montreal is rated No. 2 in the current Odds Shark poll, while Anaheim is at No. 9.
The Ducks were a 4-2 loser in their most recent outing on the road against the Maple Leafs. That made winners of bettors who got Toronto at -110 on the moneyline, while the total score (6) was good news for OVER bettors.
The Canadiens were a 4-3 loser in their most recent outing at home against the Oilers. That made winners of bettors who got Edmonton at +180 on the moneyline, while the total score (7) was good news for OVER bettors.
How They Match Up:
The game also pits Montreal's No. 7-ranked offense, averaging 3.22 goals per game, against a Ducks defense that ranks No. 11 at 2.56 goals allowed. The Canadiens power play is averaging 24.32% while the Ducks defense kills off 77.42% of their penalties.
A few Ducks at Canadiens trends to consider:
Anaheim is 2-4 SU in its last 6 games on the road
The total has gone OVER in 4 of Anaheim's last 5 games on the road
The total has gone UNDER in 14 of Anaheim's last 19 games on the road
Anaheim is 5-1 SU in its last 6 games when playing Montreal
Montreal is 2-4 SU in its last 6 games at home
The total has gone OVER in 4 of Montreal's last 6 games at home
Montreal is 1-5 SU in its last 6 games when playing Anaheim
The total has gone OVER in 5 of Montreal's last 7 games when playing Anaheim
Next up:
Anaheim at Ottawa, Friday, October 25th
Montreal at San Jose, Saturday, October 26th


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Nice accommodations, friendly people staying there, clean, well-taken care of I had arrived a day early and told the receptionist that I had a reservation for the following night, but needed a room for tonight as well. We gave him our identification and asked twice to make sure that he had found the reservation for the following night as well and he said yes. But, in the end I was charged on my credit card as a no show, on top of the two nights I had paid in cash upon arrival. Good thing I checked my credit card statement and went to the reception desk. In the end, I was refunded for the extra charge, but only after I was told that the first receptionist never found my reservation, photocopied my passport and put the reservation under my roommates name and that it was pretty much my fault that I was charged.
The price... Yes...at booking the use of credit cards is only to ensure tha you respect the reservation. I used a credit card that i didn't want charged, and the hostal charged it without my authorisation.
I liked receiving breakfast tickets that I could just give to the restaurant that was attached to the Hostal. It was hard to locate the Hostal since we arrived in Madrid at 10 pm and the information centers were closed. It would be extremely nice if the hostal included public transit directions from the metro system. Even if it just said to start from the closest metro stop at least all travelling by train, bus, or plane could get themselves to that metro line. Also, I inquired about traveling with a baby and wanted a crib, but that was unavailable the 1st night. That made the 1st night stay rather difficult.
Other guests made too much noise until 02:30 AM, including whistles. The bathroom was not cleaned during the two days. Was charged for 1 more day of my credit card, but I think this will be resolved peacefully.
reception 24 hours It is too far away from the city, not easy to reach at night. in the room area there is a lot of noise, and there's no one controlling this
In the day time the staff was nice and friendly and helpful. The rooms were larger than expected and the bathrooms were also clean. The hostal was difficult to find in the first place. It was not clear on Booking.com how far outside the city of Madrid this hostal was. We arrived and it was close to a 45 minute journey into Madrid from Hostal Welcome. There was also no places near to eat or relax especially since the restaurant close by closed at odd hours. Also the blankets on the beds seemed to not have been washed for a long time.
nothing the price was listed on a big 13.90 euro a night and through your web site it cost me. $100.53 a night. I am very sad...... And will think twice before booking with your CO again.


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|....of the Mills family of South-East Alabama
( Crenshaw, Coffee, & Covington Counties )
|In MY family the Mills married into the Beck family...To see the Beck Family click here:
|Misc. family Pics...
|Columbus Mills
b. 1815 Pa.
d. 1840 Milton, Fla.
M. Rebecca Hilburn
daughter of Henry Hilburn & Nancy Sykes
|Henry Francis Jefferson Mills
b. 1840
M. Lucinda Floyd
|Bobby Lawrence Mills
b. April 1918
d. March 1961
M. Gertrude Parrish
|Clifton Eugene Mills
d. 6-6-1941 Coffee County Ala.
M. Mattie Ophelia Beck
|Columbus Jefferson Mills
M. Viola Kate Cosby
d. April 29, 1951
|Beunah Inez Mills
b. 1921 Crenshaw County Ala.
d.2002 Gray,Ga.
M. Daniel Wayne Smith
|Yvonne Smith-Callaway
|Charlie Columbus Mills
| Dwain Smith Sr.
b. 4-20-1953 Opp, Ala.
d. 3-08-2003 Gray, Ga.
M. 2 sons by Martha Foskey
1 son by Webb
|Ella Ophelia Mills
M. John Lumpkin Byrant
|Malissa Annie J. Mills
M. Henry Berry O'Neal
|Myrtle Mills
|Girstel Glen Mills
b.September 9, 1920
d.September 10, 1949
M. Ermalene Smith
|Mary Emma Mills
|William Charlie Mills
M. Linda Colquett
|James Gafford Mills
b. July 30,1927
d. Jan. 6, 1960
(Never married)
|Henry Mills
| Martha O. "Mollie" Mills
M. James M. Colquett
|Cary Mills
|Mary Kate Mills
b.December 21, 1925
d. June 21, 2007
M. Harold Conner
M. James Moore
|Family members who fought in the Civil War, & other wars...
James J. Beck
Amos Beck-Capt. for Beat #1, 60th Reg't. Brigade, 11th Division, Ala. Militia
Washington Beck
Elijah Beck
Jesse Bryant Beck, -1st.Sgt.Co.A.,25th Ala. Inf Reg't. Brigade, 11th Division Ala. Militia
Wllliam Green Beck- Major 2nd Battalion, 60th Reg't. 11th Division, Ala. Militia
Morris King
Henry Robert King
Capt. George King
Rev George King (son of Capt. George King)
Henry Berry O'Neal
Wilbur O'Neal- Fought in WW 1
| Sarah L. "Sadie' Mills
M. Charlie Beck
|Ruby Kate Mills
|Joseph E. Mills
M. 1st. Exa Lee King
M. 2nd Flora Turman Sasser
|Carrie Mills
|Delton Conrye Mills
b. Febuary 23, 1934
d. Dec. 31, 2007
M. Jerri ?
M. Beverly ?
|Eliza Ann Mills
M. Francis Holloway DeVane
|Gurden Mills
|Cassie Wayne Mills
M. Howard Lamar Griffin
b.June 1, 1929
d.Dec. 10, 1979
M. James Adams
b. January 20, 1929
d. January 23, 2000
|Thomas D. "Dink" Mills b. 1883 d. 1952
M. Ina Belle Boothe
|Laura Mills (twin to Elzea)
| Elzea "Bunk" Mills
(twin to Laura)
|Myrna Loy Mills
b.March 15, 1939
M. William Cole
M. Billy Wells
|Great site for info on Alabama family history !
|This page is maintained by
Yvonne Smith-Callaway


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|ReneSola Provides Solid Outlook for China Distributed Generation Business
As of
According to
Xianshou Li, Chairman and Chief Executive Officer of
Founded in 2005, and listed on the
Safe Harbor Statement
This press release contains statements that constitute "forward-looking" statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, and as defined in the U.S. Private Securities Litigation Reform Act of 1995. Whenever you read a statement that is not simply a statement of historical fact (such as when the Company describes what it "believes," "plans," "expects" or "anticipates" will occur, what "will" or "could" happen, and other similar statements), you must remember that the Company's expectations may not be correct, even though it believes that they are reasonable. The Company does not guarantee that the forward-looking statements will happen as described or that they will happen at all. Further information regarding risks and uncertainties that could cause actual results to differ materially from those in the forward-looking statements is included in the Company's filings with the
For investor and media inquiries, please contact:
In China:
The Blueshirt Group Asia
In the
To view the original version on PR Newswire, visit:http://www.prnewswire.com/news-releases/renesola-provides-solid-outlook-for-china-distributed-generation-business-300402385.html


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These overnight and (optional) 3-day treks take place on private land in the Davis Mountains, near Fort Davis, in Texas's Chihuahuan Desert. We'll travel the same Big Bend region of West Texas as the Beale Expedition of 1857. While the US military scouted fort locations and searched this area for better supply routes to the US/Mexican border, present-day treks combine desert scenery, history and ecology with the colorful part the camels played in settling the West.
This tour is a camel-assisted trek with camels carrying all the gear. (Treks are designed for some riding and some hiking.) Participants will help load, unload and work the camels. Hiking is fairly easy, over cattle trails, ranch roads and creek beds. Endless photo opportunities await you in the rugged, but beautiful Big Bend region of Texas. We travel ranch roads, cattle trails, creek beds and mountain passes. Guests must be able to hike between 5 and 10 miles per day over varied terrain.
About This Supplier
Also see tour packages in:
USA Texas Outdoor: Land Rambler Desert Expeditions Camel Riding
Email it to a friend:
Click here to email this vacation to a friend


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TV presenter Ulrika Jonsson managed to fit in some shopping as she prepares for the birth of her fourth child, which was accidentally revealed as a boy by the sonographer, any day now. The Swedish presenter, 40, visited shops in Buckinghamshire, UK with husband of 2 months, Brian Monet.
This is the fourth child for Ulrika as she is already mum to Cameron, 13 Bo, 7, and Martha, 4.
Source: Daily Mail


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Test Drive
Review by aRACnyc
"If you like racing and excitement, this game's for you"
For those who think this game is the same from the past Test Drive games, you'll be pretty surprised how different it is. With great gameplay and incredible graphics, this is one of the coolest racing games in the playstation 2 thus far.
Graphics- One word... excellent. The shiny cars look awesome almost like gran turismo 3.The cities look really nice and look like the real thing. The game moves at 60 fps, so its looks wonderfully lifelike. The only problem with the graphics is that on night races, and theres plenty of them, you can barely see anything unless you adjust your TV. 9 out of 10
Replay Value- Test Drive gives you huge replay value with about 25 linear and 15 circuit tracks. It also has cop chase mode and drag race. The main course of the game is Underground. In underground, your participating in a racing tournament that spans 4 cities, San Francisco, Tokyo, London, and Monte Carlo.In underground you must place on the top three on all races in order to advance. You must play this mode to unlock new cars and tracks. 10 out of 10
Sound- The recent Test Drive games always had great music since hiring bands such as Fear Factory and Junkie XL. Well this Test Drive game makes it a lot better. While racing, you'll be hearing songs from Moby, Saliva, Ja Rule, DMX, Bubba Sparxxx, Curd, Junkie XL, and many more. Simply amazing. Oh yeah the sound effects are good too, but who cares just listen to the music. 10 out of 10
Gameplay- The simple and easy controls make the gameplay in Test Drive great, but the fabled rubber band AI is back. Hate it or love it its in Test Drive. Rubber band AI means the computer will always stick with you the entire race. It doesn't matter how fast or slow you car is you still have a chance to be first or last. So no matter how many times you crash in the game the computer will give you a chance to catch up. The good thing about Rubber band AI is that it makes the game more exciting. All cars stick together almost the entire race means it wouldn't be boring like in Test Drive 4, where your pretty much by yourself the entire race. 7 out of 10
Conclusion- As I said if you like racing games and excitement, you should get this game. If you like driving simulation games may I suggest renting it first before buying it. It may be too ''arcadey'' for some.
I personally enjoyed this game a whole lot. The only thing I didn't like about this game is they forgot to put my city. Wheres New York City? I guess we have to wait for the sequel...
9 out of 10
Reviewer's Rating: 4.5 - Outstanding
Originally Posted: 06/20/02, Updated 06/20/02
Got Your Own Opinion?
Submit a review and let your voice be heard.


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Religion of Saturday, 3 May 2014
Source: GNA
Prophetess Mrs. Esther Bortsie of the Ebenezer Worship Ministry has urged workers to use the May Day celebration to show appreciation to God.
She said "for workers to go through the hustle and bustle for a whole year was not an easy task," saying that, it was by the grace of God, and urged them to be grateful and submissive to God and always pray.
Prophetess Mrs. Bortsie gave the advice when she interacted with the Ghana News Agency at her church premises at Fetteh-Kakraba in the Central Region, on the eve of this year's May Day celebration, an international day set aside for workers.
Prophetess Mrs. Bortsie said God's gifts abound in many forms such as pastoral, evangelisation, prophesying and teaching and advised those who have been called to the faith to identify their calling rather than misleading people because of monetary gains.
She advised Ghanaians to search for religious leaders who would give them spiritual direction in their lives in order not to fall prey to the evil ones.


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Whisky Blender
Started by Scotland-based "whisky enthusiasts" (and what's not to be enthusiastic about?), whiskyblender.com gives you the chance to try out the fine art of blending your own … Read More
Started by Scotland-based "whisky enthusiasts" (and what's not to be enthusiastic about?), whiskyblender.com gives you the chance to try out the fine art of blending your own … Read More
You gotta love anything that helps you combine two favorite things into one. Beef and football, great! Beef and sex, I don't know how that works, but … Read More
Back in the 19th century it was easy to look wealthy and sophisticated. Just wear a top hat, pop in your monocle, check your pocket watch, and … Read More
The number one ideal of a real coffee drinker: intravenously fed coffee, with the drip begun immediately upon waking. Sigh, that will always be the dream. But … Read More
Cell phones generally don't take good macro pictures, as evidence by all those blurry shots of your own face. And standard macro lenses generally don't screw onto … Read More
Somewhere at the Chocolate Covered Company there's a guy in a mad scientist lab who's just grabbing random stuff and dipping it in chocolate to see what … Read More
Given that we've finally arrived in the future, it's still a little disappointing that the whole "flying cars" thing hasn't happened. Offered up as a substitute, though, … Read More
You've done the Caribbean and the Mediterranean, you've done Alaska and Disney, what cruise is left? Most people don't immediately think of the Amazon, but here's news: … Read More
This is perfect for those gas-station-themed parties you're always throwing. How about putting away the bottles and serving drinks out of a retro gas pump? Just take … Read More
From the "so-obvious-it's-genius" file comes this cutting board from Progressive with an attached scraps bin that catches all the bits you're cutting off. No more cleaning stray … Read More


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New Monthly Event: Bears Roam the Ranch!
We're excited to introduce our new monthly event at Fun Hog Ranch! Join us for a great beer bust and drunken gummy bears every 2nd Friday, 9 PM to 1 AM for Bears Roam the Ranch.
Specials for this monthly event are:
Bud/Bud Light/Miller Light beer bust is $7
Designated Driver friendly soda bust is $4
Drunken Gummies are $1
Pick a bear, win a prize: $5
All bears, cubs, otters, and admirers are welcome (21+ only)
***This event replaces our recurring second Friday event at Charlie's Las Vegas.***
Bear Hugs for Community Counseling Center
Community Counseling Center joined Bears Las Vegas at our November 22, 2016 meeting to accept a donation of $3100! CCC provides affordable, sensitive, and professional behavioral health services to Southern Nevada. Offering a wide range of support groups, counseling services, HIV testing, and case management services, CCC relies on grants and donations.
Bears Las Vegas is proud to have named Community Counseling Center our third quarter beneficiary for 2016. Keep up the great work CCC, and thank you for joining us for this great photo op!
Donations disbursed by Bears Las Vegas are raised through hosted bar events and our community partners. All beneficiaries are non-profit organizations and local to the Las Vegas area. If you have a recommendation of an organization you would like to see become a beneficiary, please join us at our monthly general meeting.
Bears Love Las Vegas
Bears Las Vegas is a non-profit social group for bears and their admirers. We are not a fundraising organization, but when we do raise money, we support other local 501(c)3 organizations. In this section you will find our previous beneficiaries and how the Bears are supporting the community!
NSPCA Feels BLV Love
Bears Las Vegas presented a check to the folks at NSPCA for $2,650 on September 17.
They wanted us to let all of our members know how much they appreciate our generosity and they send a great big THANK YOU!!!!
The Nevada SPCA, a nonprofit organization, operates a no-kill animal sanctuary, promotes humane education, makes referrals for lower-cost spay/neuter and vaccination services, and challenges people to be the best possible guardians for the companion animals in their care. Bears Las Vegas is proud to name them the BLV 2016 Q2 Beneficiary.
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Northeast Technology Center
Campus Locations
Afton Campus
19901 S. Hwy 69
Mailing Address:
Phone Numbers:
Pryor Campus
6195 W. Hwy 20
Mailing Address:
Phone Numbers:
Claremore Campus
1901 N. Hwy 88
Phone Numbers:
Administrative Offices
511 S. Elliott
Mailing Address:
Phone Numbers:
Kansas Campus
450 N. Hwy 59
Mailing Address:
Phone Numbers:
Business & Industry Services
483 Airport Road
Phone Number
Projects and Unique Attributes
The Northeast Technology Center district covers 3,500 square miles, including all or parts of eight counties in northeast Oklahoma, and annually serves more than 18,000 patrons. NTC has campuses in Afton, Claremore, Kansas and Pryor.
NTC's Afton Campus houses Oklahoma's only Marine Power Technology program and will open its new Cosmetology building this fall. Renovations are also underway for the Diesel and Culinary Arts spaces.
The Claremore campus is home to one of the state's only Environmental and Spatial Technology programs, and the Kansas campus has a nationally recognized Welding program that holds the current world record for the construction of a trebuchet that launches projectiles nearly half a mile. Aside from boasting a new, state-of-the-art welding and diesel shop, the Pryor Campus is also slated to undergo renovations for its Construction Trades and Electrical programs.
NTC opened its new administration office in January 2015, which also allowed its Business and Industry Services to expand into its own central facility. NTC's BIS team boasts a fleet of mobile trailers that allow certified trainers to conduct customized training on the client's job site. Industrial Maintenance, Hazardous Materials, Confined Space, Fire Safety, Construction/General Industry Safety and CPR are just a few of the trainings available.
District Population and Partner Schools
District population is 195,255 based on 2010 census data. School districts served include Adair, Afton, Bluejacket, Cleora, Chelsea, Chouteau-Mazie, Claremore, Cleora, Colcord, *Collinsville, Commerce, Fairland, Foyil, Grove, Inola, Jay, Justus-Tiawah, *Kansas, Kenwood, *Ketchum, Leach, Locust Grove, Miami, *Moseley, Oaks-Mission, Oologah-Talala, Osage, *Owasso, Pryor, Quapaw, Salina, Sequoyah, *Spavinaw, *Turkey Ford, Verdigris, Vinita, Welch, White Oak, Wickliffe and Wyandotte.
*Only portions of these school districts are members of the technology center district.


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The post Smartglass Intl. To Supply Solar Smart Glass For McEwan Hall appeared first on SmartGlass International.]]>
Mc Ewan Hall is the graduating hall of the University of Edinburgh, the capital of Scotland. It was presented to the University in 1897 by William McEwan, brewer and politician, at a cost of £115,000. Sir Robert Rowand Anderson was the architect.
The exterior of the D-shaped wall was completed in 1894 and the interior was finished in 1897. It is built in renaissance style and features mural decorations from the hand of William Palin.
The central piece of art is a large painted work known as "The Temple of Fame" depicting a great number of philosophers and students. The dome of McEwan Hall is also seen as another striking feature of the building.
McEwan Hall at Edinburgh University is currently undergoing refurbishment to allow the restoration of the main hall to take place to create a multi functional space, new visitor and breakout facilities and the renovation of the existing basement area with landscaping of Bristo Square also taking place.
Smartglass International Solar Control Glass will be retro fitted to the internal building walls to protect the beautiful painting and features for many more years to come.
The glass will increase the functionality of the space by allowing instant control over the amount of light entering the hall.
Smartglass International will create bespoke solar switchable panels that will be fitted inside each of the 13 circular oculi, each more that 2 metres in diameter. They will be installed more than 100ft from the ground by Specialist Window Systems with whom we are collaborating on this fascinating project.
Located on Charles Street, Edinburgh, the project is estimated to be worth approximately £33m and began in June 2015. The project is scheduled to be completed in early 2017.
The project is intended to address on-going operational issues that the building has experienced over the years. The University is investing in McEwan Hall to repair the building fabric, upgrade service installations and to resolve accessibility issues. The project will create additional public and support spaces to enable the building to deliver its core functions more effectively and to allow it to be used more frequently.
To inquire about Solar Smartglass for your project please contact our team to discuss.
The post Smartglass Intl. To Supply Solar Smart Glass For McEwan Hall appeared first on SmartGlass International.]]>
The post Switchable Security Glass appeared first on SmartGlass International.]]>
Switchable Security Glass
Security glass requires the highest level of design consideration to ensure it offers the highest level of protection. In response to market demand, Smartglass International has developed specially constructed switchable glass panels which can withstand high impact. The polycarbonate protective shield applied to the panels protects the product from penetration by sharp objects and prevents spalling – where small pieces of glass may break away from the face and become projectiles.
In the UK, we are discussing the limits of switchable security glass in a prison for use in the holding cells and yard. Switchable Security Glass panels offer safety to inmates and staff whilst not restricting light and visibility throughout the units in the high security location.
Prototypes are being commissioned for a train station in London to offer a similar solution, protection of staff and any visibility restrictions are our highest concerns.
Security Glass Solutions
Smartglass International offers a full suite of security glazing solutions including shatter proof glass, impact resistant, bomb proof, bullet resistant and bandit proof glazing.
Contact for more information
The post Switchable Security Glass appeared first on SmartGlass International.]]>
The post Ernest Park Goodge Street appeared first on SmartGlass International.]]>
Working closely with our partners DR Services, the crane and vans were all in position at 5.30am for the delicate operation of lifting the large 230kg switchable glass panel up 4 floors and onto the roof. Once safely brought through the roof doors, this fire-rated Smartglass panel was installed into the specially made frames, wired up and commissioned all before the rush hour got fully underway!
The client, Ernest Park, are extremely pleased with their signature piece and glad everything went so well this morning.
For more information about this switchable glass project, or to talk to us about how we can give your development the edge, please get in touch at our London Office on 020 7340 8707 or firstname.lastname@example.com
The post Ernest Park Goodge Street appeared first on SmartGlass International.]]>
The post Project Announcement – Sugar Dolls Nail Bar & Beauty Salon appeared first on SmartGlass International.]]>
Our bespoke switchable glass panels will be used at the back of the salon, creating two stylish and creative beauty rooms. Clients are sure to be dazzled by the design!
Smartglass switchable privacy glass panels combine a sheer, hygienic and easily cleaned surface with the convenience of privacy on demand ensuring clients privacy is maintained at all times. It is therefore the perfect solution for a busy beauty salon.
This beautiful salon will be open for business early December.
Check back soon for a full case study on this great project.
The post Project Announcement – Sugar Dolls Nail Bar & Beauty Salon appeared first on SmartGlass International.]]>
The post Project Announcement – The London Clinic, Harley St. appeared first on SmartGlass International.]]>
Our bespoke switchable panels will be used throughout the newly developed CCU centre currently nearing completion. This is the second occasion Britain's leading private healthcare facility has selected Smartglass International as its provider of bespoke switchable glass solutions.
Fixed and sliding Smartglass privacy panels will be installed throughout the unit providing an innovative and ultra-hygienic portioning solution that will enhance the patient experience and ease the jobs of medical care staff
Smartglass switchable privacy panels combine a sheer, hygienic and easily cleaned surface with the convenience of privacy on demand ensuring patient welfare and dignity are maintained to the highest standards at all times.
The guiding principle of The London Clinic has always been to deliver exceptional patient care, smart glass will be adding to their ethos and delivering state of the art sliding, fixed & fire proof panels that switch from clear to opaque in less than 1 second
Keep an eye on our website for more details as we undertake this project.
The post Project Announcement – The London Clinic, Harley St. appeared first on SmartGlass International.]]>
The post Private Villa Installation – Smartglass Intl. & Saudi American Glass Collaboration appeared first on SmartGlass International.]]>
In order to meet client requirements, SAG and Smartglass International collaborated closely to create a bespoke smart glass package involving high performance triple glazed units and a dedicated switching mechanism unique to this project. The seamless switching mechanism is evident in the following video:
The smart glass installation in a luxurious garden pavilion, is designed to provide the client with continuous enjoyment of an elaborate water feature whilst still offering total privacy when required. The resulting smart glass panels, which will operate by a number of switching mechanisms depending on client needs, are of excellent clarity and provide the perfect solution for the client, as demonstrated in the video below.
Saudi American Glass (SAG) is one of the leading glass processors and sealed unit manufacturers in Saudi Arabia. Smartglass International is proud to partner with SAG and its sister company Emirates Glass to offer unrivalled service to the Gulf region, making us the leading suppliers of bespoke switchable glass solutions in the Middle East.
If you have a project enquiry in the Middle East region for our Privacy, Solar or Black-Out product ranges please contact Mr. Khalid Alano at email@example.com or email@example.com.
The post Private Villa Installation – Smartglass Intl. & Saudi American Glass Collaboration appeared first on SmartGlass International.]]>
The post Another Landmark Project: the King Abdul Aziz Centre for World Culture appeared first on SmartGlass International.]]>
Commissioned by Saudi Aramco to acknowledge the massive contribution that oil has made to lives of the citizens of the Kingdom, the KACWC will house libraries, children's learning spaces, exhibition space and the country's first cinema.
In collaboration with Austrian façade specialists Seele, Smartglass International has specified and manufactured a myriad of multi-sided Switchable Glass panels that form an integral part of the building's façade.
Smartglass International created a bespoke high performance toughened laminate using Guardian HPN50/32 to work in conjunction with our Switchable Privacy Glass, which protects it from the effects of the fierce desert sun. We have also manufactured switchable panels for the Great Hall entrance, seen in the foreground, which sets the tone for the rest of the remarkable building.
To fully appreciate the scale of this truly landmark project watch this great video: https://www.youtube.com/watch. For more information on our work, browse our previous projects.
The post Another Landmark Project: the King Abdul Aziz Centre for World Culture appeared first on SmartGlass International.]]>
The post Smartglass International Secures Major EDP Energy Project in Portugal appeared first on SmartGlass International.]]>
EDP Energy is installing over 150 metres of our Switchable Privacy Glass in an internal curtain-wall as part of a revamp of their Lisbon HQ. Smartglass International will be manufacturing double glazed units combining our switchable Privacy Glass with high performance acoustic laminate, providing the very best of form and functionality for this busy office.
The project, which goes to site in a few weeks was won in the face of stiff competition but our reputation for quality and service won out. We are delighted to be associated with such a strong brand as EDP and are excited to see the end product.
Despite its recent difficulties, the Portuguese economy appears to be very much on the up and this is the second significant project Smartglass International has completed there in recent months. We have previously installed over 750 metres of glass for Microsoft's Lisbon HQ, installing Smartglass partitions with reversible states of transparency. Our aim was to reflect the innovative brand, while enhancing the comfort and functionality of the workplace. We look forward to several more projects in the country before the end of the year.
For more information about European sales, please contact our European sales manager, Cedric Boitte at firstname.lastname@example.com or firstname.lastname@example.com. To learn more about how our Switchable Privacy Glass can add value to your next project, watch this great animation of our past projects.
The post Smartglass International Secures Major EDP Energy Project in Portugal appeared first on SmartGlass International.]]>
The post Smartglass roof application appeared first on SmartGlass International.]]>
How does it work?
When an AC electrical current is passed through glass, the appearance of the glass instantly changes from a darkened/opaque state to visibly a clear one. When the electrical current is removed – it returns to the darkened 'private' state.
Smartglass – an innovative roofing material
It is a perfect way to deliver an elegant architectural touch when used as a roof's component. It gives magnificent views and an unparalleled ability to protect occupants from heat. It is a modern way to create an individual space with the proper amount of a natural light. By using an automated control system, a sufficient heat protection can be achieved by adjusting the level of tint level. In many cases, a touch screen tablet can be used.
Large roof solution
When a design involves creating a large roof area, it might be beneficial to control individual panels. This way customers can tint only chosen panels making sure the comfort level is achieved for specific areas. Smartglass Solar Glass responds according to weather conditions by switching from dark to clear in seconds.
Solar Smartglass gives users the ability to instantly and precisely control the level of shading to any degree between very dark and clear. This provides users with additional security, comfort and protects interiors. This, for example, gives the opportunity to protect priceless paintings and any other objects in museums or other commercial places which could be damaged by excessive heat.
Solar Smart electronically dimmable skylights block heat in the summer and reduce heating and cooling energy requirements in the winter, while maintaining a pre-selected level of light and temperature and blocking harmful UV rays. By more effectively controlling day lighting, Solar Smart allows "daylight harvesting," which some independent sources estimate can save 35%-60% on lighting energy.
With the growing pressure to reduce the energy use of buildings, many expect it to be a cornerstone of intelligent building design for years to come. Solar SmartGlass can be retrofitted to existing structures, even existing building stock can benefit from this green technology. This is significant, as approximately 61% of all construction projects are retrofit projects according to the U.S. Green Building Council.
To read more about Solar Smartglass Technology- click here.
The post Smartglass roof application appeared first on SmartGlass International.]]>
The post CPD qualification for architects appeared first on SmartGlass International.]]>
We are happy to announce that Smartglass International can provide training in switchable glass technology . The production of Switchable Glass is a growing area that brings endless opportunities to an aspiring architect.
What is switchable glass?
Switchable glass products illuminate environments creating multi-functional spaces that adapt and respond to the needs of users – all at the flick of a switch. These technologically advanced glass products are fast breaking from being niche to becoming mainstream for use particularly in the commercial, retail, security, healthcare and hospitality sectors.
How does it work?
By using a minute electrical current, users can immediately switch the Privacy SmartGlass from clear to private ( opaque) and vice versa. Various configurations can be supplied including colour tinted, fire rated, double glazed, curved, shaped, antibacterial, solar controlled.
How can I register?
You can register by phone: +44 207 3408707 or email: firstname.lastname@example.com
The post CPD qualification for architects appeared first on SmartGlass International.]]>


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Love Nest: Is That Chair Proenza Schouler?
Attention, Proenza fans: Fashion It duo Lazaro Hernandez and Jack McCollough have come out with a textile collection for interiors mega-company Knoll that's dark and dramatic—and mostly, it seems, inspired by their past collections. Think rich jewel tones, a range of neutrals, classic damask, plus a handful of other patterns and the Proenza favorite color combo of navy and black. Knoll doesn't list prices, but I have to assume their textiles, like their collection, don't come cheap. Still, do we like? [Knoll via Domicidal Maniac]