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Prefino Lockers
The highlight
For some tasks, you simply need an expert. Such as the furnishing of changing rooms. Whenever you need a crucial "extra bonus" in terms of space, function and design – Prefino is in its element.
Do you have relatively large storage needs? Do you need special interior fittings? Do you set great store by variability and retrofitting flexibility? Is hygiene particularly important in your premises? Do you need online locking systems that are managed securely and neatly connected? Then Prefino from Allied – the market leader in changing-room and cloakroom furnishing – is the perfect system for you
Technical Details
Elegant to look at – easy to clean
This includes smooth interior walls and smooth outer door surfaces.
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Lock systems
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The S 7000 Prefino series from Allied is available …
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Prefino Lockers Finishes
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Prefino Lockers Brochure
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LAX Twitter | LAX Facebook | LAX Instagram
BUIES CREEK, N.C. --- Campbell won its final regular season home game of the 2017 campaign by a 22-6 margin over Gardner-Webb Saturday afternoon. Mackenzie Koeller led the Camels with seven goals, which matched the highest single-game scoring tally by a Big South Conference player this season.
Campbell improved to 5-0 in the Big South (8-6 overall) and remained in a tie for first place in the conference standings. The Camels will play for the regular season championship on Wednesday night when they travel to take on co-leaders High Point at 6 p.m.
CU's scoring tally against the Runnin' Bulldogs (0-15, 0-5) matched the program's single-game record that was originally set back in 2013. It was also the team's largest margin of victory over a Big South opponent.
Tina Ricci, Melissa Placek and Sarah Paul all scored three goals for CU and Paul added a pair of assists for a total of five points. Overall, nine Camels finished in the scoring column including Sami Smit, who found the back of the cage twice, and Erin O'Hara, who scored her first goal of the season in the final seconds of play.
Gardner-Webb opened the game with a 3-1 advantage six minutes into the contest. Campbell responded with six unanswered goals to take a 7-3 lead with 8:02 left in the first half. Koeller scored four times during the stretch.
The Runnin' Bulldogs responded with back-to-back goals, but they were quickly matched by scores from Sam Carey and Koeller that gave the Camels a 9-5 advantage. Each side scored in the final two minutes of the opening half as Campbell took a 10-6 lead to the halftime locker room.
Campbell kept the Runnin' Bulldogs off the scoreboard in the second half, which marked the second time this season and program history that the Camel goalkeeping unit posted a clean sheet in a half. CU scored six times in the opening 10 minutes of the second half, which included a goal from Carter Koontz.
Katlin Steinbauer scored her lone goal of the day midway through the final frame and Ricci and O'Hara wrapped-up the scoring with goals in the final five minutes of action. Overall, the Camels scored 13 consecutive goals between the end of the first half and the second half. That tally also matched a program record.
Merredith Bechler earned the win in goal with a pair of saves in 38 minutes of action. Alex Salim and Kylie Haarhoff also saw time in the cage in the second half. Katie Sylvester took the loss for GWU despite 12 saves.
Amanda Steinmuller led the Runnin' Bulldogs with three goals and an assist while Abby Hansccom scored twice and Emma Rose scored once. Koeller led the Camels defensively with three caused turnovers while Placek had eight draw controls.
Prior to the contest, the Camels honored its three active seniors, Bechler, O'Hara and April Reinhart, as well as senior managers Annie Cook and Blake Autrey as they played and worked their final scheduled game at Barker-Lane Stadium.

subset: commoncrawl


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First cruise first impressions: Norwegian Breakaway Cruise Review by Cruisebey
Overall Member Rating
First cruise first impressions
Destination: Cruise to Nowhere
Embarkation: New York (Manhattan)
Our balcony cabin was ready and we unloaded our bags by 2pm and went to look around before our 6pm sailing. It didn't start off too well and in spite of getting a welcome email touting the bar and soda packages, room service, robes etc once on board were told none of that was "offered" on a weekend getaway by the service desk. The staff wasn't quite clear what food was offered where before departure.
Okay it was basically a booze cruise. Not our intention but with the size of Breakaway and 4200 passengers figured there would be lots of options. Not really - everything was crowded. Nice singer at the Martini Bar but no seats. Nice atrium no seats. Comedy Show reservations but SRO arriving 30 minutes More prior. I assume that part of this is the frenzy of all trying to do everything on a short cruise but the ship was not over capacity so where's the space! As a designer myself one flaw that I can't believe NCL did on this huge amazing ship is the placement of the casino at the atrium with smoking allowed and poor ventilation which has smoke pouring all over the midship! Less
Published 02/05/14
Cabin review: 13168
Cabin was tight but comfortable. It was freezing cold so the balcony was ice but not living space per se. Steward was a delight.
Read Cruise Critic's Norwegian Breakaway Review >>
Excellent Vacation With Teens
3 Day Food & Wine Cruise
Fantastic SeaBreak!
Over all very disappointing!
NYC to Bermuda 7/30/17
Better than expected
Amazing Alaska
Anniversary on the Booze Cruis...
Lots of disappointments for an...
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David Hudson
David started his career working in the private sector, marketing education opportunities across a network of learning centres. From there he moved into further and higher education institutions working in a variety of marketing, recruitment and alumni development roles. He is responsible for developing Teesside's marketing and recruitment strategies and heads up the marketing, brand creative, communications and recruitment teams, also having responsibility for overseeing cross-institutional marketing and student recruitment at Teesside University.


text:
Here are my goals from last week:
Carbs Under 30
Cardio and Strength
Here is how I did:
Finish Spectating doc and FAQ. We decided not to do the spectating doc because of time constraints.
One race plan per day for Chattanooga athletes. Done.
Email each client with thoughts on upcoming race and/or off-season. Done.
List 3 things for sale.
Cook one thing kids can eat for breakfast (granola, muffins, something like that). Done. Made GF/grain free pineapple muffins and blueberry muffins. They only liked the pineapple ones.
Go through Jack's clothes and get rid of small summer stuff. Done. Well, sort of. I went through it but it's not gone yet.
Go to the YMCA with Andrew and put Jack in the daycare. DONE. It went fine.
Send Andrew a card in the mail. DONE – sent it on Saturday.
Write each kid a short note for lunch box or put on their steering wheel. DONE.
Long Term Progress:
Call one of the following: fencing company, insulation company, or someone with a backhoe. Nope, didn't even get close.
Begin to formulate plan to Buy Nothing New and cut expenses – Does thinking about it count?
Daily Tasks: same as last week. HRV sensor isn't working so I have to meditate the old fashioned way.
Finish Race Plans
Start a list of goals for my coaching in 2015
Spectate Ironman Chattanooga!!!
Trip to Goodwill to drop stuff off
Cook a loaf of bread
Make bone broth
Schedule carpet cleaning
Personal and Family:
Finish one book, start another (I have 4 books to read in the next two weeks)
Lunchbox notes for the kids
Car gift for Andrew (a little something left in his car)
Take Jack to story time
Long Term:
Pick the next household project and make a call.


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We had a baby shower for my dear friend Jess and her baby Macie at a fun Mexican restaurant.
One of Annabelle's favorite friends from school Jacob had a farm party for his 5th bday.
Adelyn's best friend at school had an adorable mermaid party for her 4th bday!
2) I received a huge tub overflowing with gifts from Ohio that just made my week. It was one of the sweetest things people have ever done for me. I was so overwhelmed with how generous and thoughtful all of it was!!
And one of the cards had one of my favorite verses these days on it. It was such a beautiful reminder from The Lord:
3) My sweet grandmother celebrated her 87th birthday this week. This picture was a total picture fail but I love that she looks like she's glowing in the pic; it really is representative of her personality.
4) The girls and Adam had a daddy date night this week. Adan's such a great dad; I can't wait to see him with our little boy! I am so thankful to God for giving me such a great husband and father to my kids. The girls got to dress up however they wanted and I did their hair how they wanted. They felt very special.
5) We spent Monday at the Children's Museum and had an absolute blast! We all love that place so much!
6) Yesterday I woke up and this was the weather. I just loved that it said "Abundant Sunshine." One reason being that it reminded me of Ephesians 3:20-21 and another that one of my best friends in Ohio always said when the sun shone it reminded her that God loves her and so it started to remind me of that too when I was there and there was way less sunshine!
7) Annabelle had a "Fall Program" last night and she did such a great job! She sang and did the motions; it's the first time she's ever really participated in something like this, (she normally just sits or stands there.) Needless to say, we were proud if her! I was hoping to do a post on it but in case I never make it to one I wanted to post these pics.
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8) I'm 3 cent and 80% effaced. We should be having a baby any day now... How exciting!!


text:
Oakland, Berkeley, And East Bay News, Events, Restaurants, Music, & Arts
THIS HOUSE IS STOLEN. The words are spray-painted in what was once black along the sidewalk directly in front of 2122 Ward Street. It's old graffiti. Over time, sunlight and foot traffic have reduced it to a shade of gray only slightly darker than the concrete.
But the message is unlikely to be overlooked. Just feet away, on the paved landing leading up to the steps of the gray, wood-paneled south Berkeley house, someone has stenciled DONT BUY THIS HOUSE in smaller, darker block letters. Just beyond, a six-foot chain-link fence encircles the rest of the property. Inches farther, on the same landing, are more stenciled graffiti: STOLEN PROPERTY and GIVE IT BACK and RETURN JIM & BRETT.
These unequivocal slogans began cropping up in the summer of 2005, just weeks after Jeff and Loren Toews bought Jim Hultman's house at an Alameda County trustee's sale. The Toews (pronounced "taze") brothers are retired NFL players turned San Jose businessmen who have made a small fortune in Bay Area real estate. It wasn't the brothers who "stole" the house, but they bought it after an unscrupulous mortgage servicing company foreclosed on the property fraudulently, according to Hultman. That's why he thinks the new owners ought to sell it back to him and his partner Brett for what the brothers paid, rather than to a third party at the market rate.
The graffiti has served half of what appears to be its intended purpose: Jeff and Loren Toews have been unable to make a sale. They balked at Hultman's offers and vice versa but haven't found anyone willing to buy the contested property. The two-year stalemate has whittled away at the patience of all the parties: The businessmen have a high-six-figure asset that is now essentially frozen, Ward Street residents have an eyesore and a headache for a landmark, and Hultman and his partner Brett are stuck living at Brett's mother's house. Hultman, meanwhile, is at his wits' end, and by many accounts has become reclusive. The Express, in fact, was unable to track him down for a photograph to accompany this article.
The way Hultman tells the story, his despair is understandable. The house had been in his family since 1911, when his maternal grandfather bought the property. Seventy years later, Hultman moved in to care for his ailing grandparents, and inherited the property when they died. In August 2001 he took out a $170,000 loan with Aames Home Loan to pay off some property taxes and do a series of long-overdue repairs. At the time, the house was appraised at $850,000, but many of its parts roof, plumbing, wiring hadn't been replaced since his grandfather bought it. Hultman, an assistant property manager and home stager for local real-estate agents, planned to do most of the work himself.
About a month later, he got a call from a representative of Fairbanks Capital Corporation asking for his mortgage payment. This was news to Hultman, who insisted he'd sent his $1,200 payment to Aames earlier in the month. The Fairbanks rep politely informed him that the company had bought servicing rights to his loan from Aames, and would be managing his payments thereafter.
Confused and a bit suspicious, Hultman immediately went online to research Fairbanks, which was then the nation's tenth-largest loan servicing company, owned by the PMI Group, a publicly traded mortgage insurance corporation.
What he found frightened him. Roughly a dozen Web sites warned of the company's practices. Among the many grievances of fellow Fairbanks clients: The company charged them unwarranted late fees, demanded payments already made, and falsely stated customers' account balances. "I knew it was trouble," Hultman recalls.
Still, he figured there was little he could do except pay on time and keep record of it: "I went ahead making my payments. They were never late, and I always mailed them before they were due."
Hultman provided the Express with photocopies of his canceled mortgage checks from the time he became concerned right up through the date his property was auctioned.
Sure enough, the homeowner says, the company would occasionally claim his payments were late. "But I knew that was one of their ploys," he says. "I would just argue with them and just get it straightened out."
In November 2003, the US District Court of Massachusetts settled a national class-action lawsuit Alana L. Curry, et al., v. Fairbanks Capital Corporation. While the company admitted no wrongdoing, the lawsuit represented the first significant legal action by a regulatory agency against a large mortgage servicer. The $40 million settlement sent a mixed message to customers. While both the settlement deal and an accompanying order from the Federal Trade Commission demanded that the company reform its exploitative business practices, they also confirmed customers' widespread suspicions.
Hultman qualified for the settlement but decided to opt out. "I had followed the lawsuit against Fairbanks," he says. "Everything I read said, 'Opt out; don't go along with it.' If you stayed in as a class in the lawsuit, you gave up all rights to ever sue the company." In addition, the settlement made little financial sense. The $40 million in consumer redress was split among nearly 300,000 homeowners for an average payout of less than $200.
The following February, a man appeared at Hultman's door hoping to buy the house. Hultman had defaulted on his mortgage, the man said, and the house was in foreclosure. Bewildered, Hultman dismissed the man from his property. The last time he'd spoken with Fairbanks, the rep had told him his account was current. Moreover, he says, he'd received none of the documents that always accompany a foreclosure.
California law requires a lengthy process 121 days at the very least for a lender or servicer to foreclose on a house, which gives homeowners the chance to "cure" their default. It begins with a Notice of Default, which must be recorded with the county and sent by certified mail. Even if this notice is lost in the mail, thrown out with the recycling, or simply overlooked, it's nearly impossible for homeowners not to know they're in foreclosure.
Foreclosure specialists among them professional Realtors, independent investors, and the occasional con artist regularly comb through county records for names of homeowners in foreclosure, whom they rush to contact with offers before the lender sells off their houses.
Fairbanks had indeed recorded a Notice of Default for $8,150.65 in arrears against Hultman on February 6, 2004, by way of the National Default Servicing Corporation a company to which Fairbanks outsourced its notice-posting and debt collection. The ambitious man at the door may have outpaced the postal system, but Hultman insists the notice never arrived. (A spokesperson for the NDSC counters that its notices are always properly delivered without exception.)
Immediately after the man left, Hultman rushed to call Fairbanks, he says. On the phone, a company representative told him that, no, his house was not in foreclosure, and that, yes, his account was current.
At this point, Hultman recalls, he had little faith in the company, and so he called back again. And again. And again. "On my fifth phone call," he says, "I was told by Fairbanks, 'Yes, we show you as behind in payments, but we can't tell you right now which payments, so let us work up a forbearance agreement and get it to you next week.'
"Well, I also read that Fairbanks did that," Hultman continues. "They would tell you that there was a forbearance agreement, and you wouldn't get it before your house was supposed to be sold, and you would lose your house."
Hultman called a few real-estate attorneys, who told him his only option was to file for bankruptcy. "I'm not bankrupt, but I went along with them and did it," he says. "It was explained to me that if you file bankruptcy, that'll stop it. Then just go refinance with another company, and get away from Fairbanks at any cost."
The bankruptcy filing put a stay on the foreclosure while Hultman weighed his options for resolving what he saw as a case of servicing fraud. "Fairbanks never really came up with the exact months they claimed that I was behind in payments, but for the next year, I was going ahead and paying them my regular payments while trying to refinance," he says. "I had eleven companies tell me they would refinance me, and all eleven had to back out because Fairbanks wouldn't give them my payoff amount. Every company came back and said, 'We would do it, but we can't get any information out of Fairbanks they are the worst company to deal with.'"
By then, Fairbanks had changed its name to Select Portfolio Servicing to shed the bad publicity from the Curry settlement, and although Fairbanks/SPS claimed to have changed its ways, the testimonies against it on Web sites such as RipoffReport.com and MSFraud.org were and still are unrelenting. Contacted for this story, SPS spokespeople were given the opportunity to explain Fairbanks' foreclosure action against Hultman, and to refute his claims. But they never called back as promised.
As Hultman considered his refinancing options, a miscommunication with his attorney inadvertently ended his bankruptcy case without his knowledge. But NDSC, Fairbanks' default servicer, found out the bankruptcy had lapsed. Even as Hultman continued to make payments, it proceeded with the foreclosure.
Much like the previous year, it was only when Hultman found two unfamiliar men in his backyard in July 2005 that he realized something was amiss. He came home from work at 10 a.m. to pick up some tools and let his dog out, he says. When he opened the door to the backyard, he saw the men and demanded to know why they were on his property. "What the hell are you doing in my yard?" he recalls yelling.
One of the men laughed. "It's not your house for long," he chided. "I'm buying it this afternoon; it's up for sale! Enjoy it while you can."
"I don't care," Hultman says he told them. "Get the hell out of my yard."
Again, the company initially denied any intent to foreclose on his house, he says: "I called Fairbanks and they told me, 'No, there's nothing wrong. Your house isn't for sale. Everything's current.' And I called them a total of five times again. Every person told me that there was no problem. I was told, 'If we were selling your house, we wouldn't be accepting your payments.'
"The sixth phone call I make, the lady tells me, 'Oh, yes, we do show it as being scheduled for sale today. You should have gotten a notice.'"
But Hultman insisted he had never received anything. He then called his attorney and learned the bad news about his bankruptcy. Together, they rushed to the county courthouse and filed the missing paperwork, but it was too late. Minutes earlier, on the steps behind the courthouse, 2122 Ward Street had been sold to two buyers for $635,100.
In the crowded landscape of predatory lending, real-estate fraud, and mortgage fraud, mortgage-servicing fraud is yet another case of greedy individuals and companies taking advantage of homeowners.
Because the problem has surfaced only recently, and because few victims report the transgressions, and because those reports don't go through any central clearinghouse, there are no reliable statistics on its prevalence. But the 300,000 homeowners represented in Curry v. Fairbanks likely represent just a small fraction of those affected.
The past four years have seen additional class-action lawsuits against Ocwen Financial Corporation and Litton Loan Servicing, also among the country's highest-volume servicers. And there have been countless individual lawsuits against these collection firms. "It's a terrible problem," says Jack Guttentag, finance professor emeritus at the University of Pennsylvania's Wharton School.
Guttentag, who prefers the term "predatory servicing," since there are no laws to govern much of the unscrupulous behavior, has written extensively about the state of mortgage servicing, with a keen eye on the limitations the industry places on consumer choice. "It is these specialized servicers that are the problem, because they have zero incentive to satisfy their customers," he says. "Servicers have nothing to sell the customer, so they make their money by squeezing nickels and dimes out of customers."
Mortgage servicing is just one of many specialized niches in the larger mortgage business. In this recently deregulated industry, what begins as a relatively simple loan may be bundled into a complex investment for Wall Street investors. In this process, a mortgage can change hands several times within weeks of its creation. But no matter where it ends up at the bank that originated it, or perhaps as part of a "mortgage-backed security" at an investment bank the monthly payments still need collecting. That's where the servicer fits in. Most lending banks can't be bothered with collections, so they typically transfer "servicing rights" for their loans to firms like Fairbanks.
For a small per-mortgage fee, these companies collect interest and principal on loans, do the required paperwork, and hound delinquent borrowers. But since late customers require considerably more work than punctual ones, the lenders let the servicers impose late fees and various other fines to compensate for their trouble. To an unscrupulous firm, the prospect of milking such fees from punctual borrowers may be too enticing to pass up.
In most industries, a company that systematically fleeced its clients would quickly go out of business, because the customers would switch to a competitor. In the mortgage servicing industry, customers have no such freedom. Banks can sell their mortgages to nearly any investment bank they wish, and the investment banks, in turn, can sell servicing rights to whomever they please. Neither transaction requires approval from the borrower, nor does the borrower have the means to change servicers.
Maureen McGrath, representing a group calling itself the National Advocacy Against Mortgage Servicing Fraud, made this point to a House of Representatives subcommittee in June 2004. "The financial incentives to provide good service to customers, which work in other sectors of our economy, don't work for loan servicing," she testified. "The firm servicing mortgages will not get more customers by improving service quality, only higher costs. And the firm providing minimal service or less will not lose customers, because their customers are locked in."
Fairbanks/SPS customers may have caught a break this past August, when the Federal Trade Commission issued an order modifying the original Curry settlement. The revised order requires the company to undergo third-party audits each year until 2013, and to hereafter issue clear and comprehensive monthly statements to each borrower. The change should do much to protect the firm's current and future clients, but it's of little help to Hultman.
LOREN TOEWS PITTSBURG HOUSE STEALER. This stenciled message outside the Ward Street house, misspelling and all, plays on Loren's past as a linebacker for the Pittsburgh Steelers. Over the past decade, he and his younger brother Jeff, a former Miami Dolphin, have bought and sold more than one hundred foreclosed homes around the greater Bay Area. Now Jim Hultman and some of his neighbors hope to shame the Toewses into returning the property.
In a next-door neighbor's window, a paper sign asks: LOREN AND JEFF TOEWS HOW CAN YOU SLEEP AT NIGHT?
But isn't Fairbanks the bad guy here? Actually, Hultman suspects the Toewses are in cahoots with the mortgage servicer, and systematically follow the lenders Fairbanks contracts with. Loren Toews will have none of this. "We don't know anything about what transpires prior to an auction," he says.
Indeed, trustee's sales occur so frequently and with such short notice that investors seldom have much time to research a given property (see "The Best Game in Town," page 17). "We show up and the world is invited and encouraged to bid," Loren Toews says. "In any event, we showed up, and unfortunately showed up with the highest bid. We happen to be the easiest dog to kick, because we bought the house. But he's kicking the wrong dog."
Conspiracy claims aside, Hultman still has numerous beefs with the new owners. He's certain it was Jeff Toews who laughed at him from his backyard that day, that the brothers evicted him and Brett prematurely, that they routinely intimidate his neighbors, and that they are letting the house and yard decay. His biggest complaint, of course, is that they won't sell him back the house at a price he deems reasonable.
The Toews brothers counter that they've done nothing wrong. They drove past the property on the day of the sale, Loren says, but never left the car. And he insists they have obeyed the law throughout. "Everything was done by the book," he says. "We served him with the [eviction] notices. We were contacted by three of his attorneys. And I don't know if they dropped the ball or what. It was a pretty garden-variety deal from our perspective."
As for the negotiations, Loren contended that Hultman's original offer of $650,000 would have left the brothers with a net loss, factoring in money they've put into the property. Loren says he came back with a higher, no-profit counteroffer, but Hultman rejected it. For his part, Hultman says he can afford no more than he offered, largely because he netted just over $450,000 from the forced trustee's sale.
After negotiations failed, Hultman's neighbors and friends rallied to prevent the house from selling. When the house went on the market briefly in the winter of 2005, his supporters stood out front and handed out fliers urging potential buyers to look elsewhere. If a third party bought it, they figured, there would be even less chance that Hultman would regain it.
Then there's the graffiti. Everyone has their hunches. Hultman says he thinks the culprit might be a friend or neighbor, but so far nobody has told him. Loren Toews suspects Hultman is the one doing the spraying. In addition to the sidewalk and landing, the graffiti appeared on the house before the new owners painted it over and erected the fence, installed a motion-sensor light, and put up No Trespassing signs.
The new paint is just thin enough to reveal faint ghosts of graffiti past, but the markings appear fresh in online photos. On Zillow.com, a popular Web site that estimates the value of individual homes, the profile for 2122 Ward Street includes two photos of the graffitied house STOLEN PROPERTY, PITTSBURG HOUSE STEALER, etc. posted by "jimshouse," a user who could not be reached for comment.
Hultman, meanwhile, has made several large signs, which next-door neighbor Mary Kay Murlas hosts in her front yard. Resting against a small tree is a wooden one titled 2122 WARD PROPERTY DISCLOSURE. It includes a list of the property's shortcomings: 3 DEATHS ON PROPERTY, NO GAS SERVICE ON PROPERTY, FOUNDATION IS BAD, MAIN SEWER LINE NEEDS REPLACING, etc.
There's also a large plastic sign hanging between two trees, which states in a large, bold font: "DO NOT BUY 2122 WARD," and below that, "IT WAS STOLEN BY FRAUD." A third directs people to MSFraud.org, a site dedicated to combating mortgage servicing fraud. People still knock on Murlas' door to ask about the signs. "I have tried to be straight about it, and not embellish," she says. "My feeling about the whole thing is that there were screwups all along the way."
When a neighbor made a batch of large paper "DON'T BUY 2122 WARD" signs shortly after the trustee's sale, others posted them in street-facing windows. Two years later, four houses still display them in plain view.
One of them is Chris Byrne at 2140 Ward. "We had several at one point, but we went with the simple large one for emphasis," she explains. "People come by all the time asking about the sign." When they do, Byrne adds, she tells them how Hultman's house was stolen by Fairbanks, and why discouraging a secondary sale improves his chances.
She and her husband have known Hultman a long time they reckon they first met some twenty years ago. Like many on Ward Street, Byrne considers Hultman a cornerstone of the community, a man devoted to his neighbors and his neighborhood. "Jim was like the unofficial mayor of the street," Murlas concurs. "He was on the street talking to people a lot, and he would keep us updated with what was going on in the city."
Byrne remembers the time Hultman organized residents to evict a local crack dealer, and how he started their Neighborhood Watch. "We really had hopes Jim would run for city council," she says. "He was so good at resolving neighborhood issues."
In the Toewses, however, Byrne sees people with little regard for the neighborhood or its residents. Earlier this year, she claims, one of the brothers came to her door and pointed to the window sign. "He barked at my sixteen-year-old daughter who answered the door: 'Are you responsible for this?'" she says. She also claims the brothers have threatened other neighbors with lawsuits over their signs.
This, she says, has only solidified her support for Hultman. She'll keep the large sign in her window until he says it's okay to take it down, she says. The new owners, she acknowledges, may have not broken any laws, "but they've replaced a favorite neighbor with an empty slum."
Things are more nuanced for some neighbors, including a few who declined to comment publicly for this article. Ron Bogely, also a next-door neighbor, approaches the topic with extreme caution. "I want to be in as far a neutral corner as I can be," he says. "It's like the Twilight Zone. We have heard so many different things about what happened. Nobody knows what really happened it's all too murky."
What Bogely does know is that the whole thing has become a headache for everyone on the block. "It's been a real blight on the neighborhood, especially on us neighbors," he says. "The graffiti is a real nuisance, and so is having a chain-link fence up around it." Bogely adds that he has seen vagrants sleeping under the back deck and the hedges. "I just want it to be over with, but I just don't know if it will happen."
Neither, apparently, do the principal players. Hultman is still deciding whether to proceed with a lawsuit against Fairbanks/SPS. Lawyers are typically shocked when they hear his story, he says: "First they don't believe it. Then, when they see exactly what happened, they [still] can't believe that this happened. And then we are being advised, 'You have a case that you can win hands down, but it's going to cost you a half-million dollars in legal fees to win it, so you might want to cut your losses and run.'"
Indeed, Fairbanks/SPS has a slew of lawyers dedicated to mitigating such claims. Mike Dillon can attest to this he's spent the last four years fighting the company in court, and has yet to see a dime.
Fairbanks tried to foreclose on Dillon's Manchester, New Hampshire home in 2003, claiming he was behind with payments. Like Hultman, Dillon was incredulous. "I think I just knew that something was wrong," he says. "There was no good reason for them to be foreclosing on me."
Dillon also knew that the terms of the Curry v. Fairbanks settlement would be of little help to him, so he went the solo route. After realizing just how difficult it would be to wrest his home back from Fairbanks, he quit his job as a Boston-area set builder to work full-time on his own case. "Ultimately it was sheer tenacity, talking to law firm after law firm after law firm," he says. "I have met with at least one hundred fifty of them by now."
For Dillon, the case has been an exercise in self-education. "This is all stuff that as a homeowner I shouldn't need to know. I shouldn't need to know what the Pooling and Servicing Agreement is," he says, referring to the lengthy pact between a mortgage company and its servicer. "I should just be able to make my monthly statements and to have them recorded properly every month, and not have to deal with this."
In 2005, after Dillon had been fighting Fairbanks and SPS in court for two years, the courts granted him a permanent injunction against the company. The ruling, which prevented SPS from taking any further action to foreclose on Dillon's house, was the first ever for a Fairbanks/SPS client who did not file for bankruptcy.
In June, Dillon took the next step. He and his attorney filed a racketeering and corruption suit to the tune of $13.5 million against Fairbanks/SPS and five other companies connected to his mortgage. But the case has taken a heavy toll. "I only sleep around four hours per night," he says. "If I'm not thinking about it, I'm talking about it. If I'm not talking about it, I'm researching it. It becomes your entire life. And then depression and anxiety set in, and you are halfway to losing the battle. ... It's no wonder that people give up. It just turns out that I haven't."
Hultman also says he hasn't given up on fighting the foreclosure. In the meantime, he has turned his wrath on the Toews brothers, more or less declaring war on their reputation. "If I have to spend every dime I have to ruin the Toews' name, I will," he says.
Among his plans are to report the brothers to the Internal Revenue Service. He is also contemplating taking them to court for various transgressions for which he holds them accountable. The mystery spray painter has taken a similar tack. In early August, two identical jet-black stencils appeared on the driveway concrete and on the stairs, just in front of the chain-link fence: LOREN & JEFF TOEWS FROM PRO FOOTBALL PLAYERS TO PRO CRIMINALS. Loren Toews doesn't appear much concerned, although he does seem surprised by Hultman's spite. Personally, he says, he harbors no hard feelings. Toews wouldn't go so far as to call the Ward Street standoff a headache. It is "more of a pebble in our shoe," he says.
Indeed, the Toewses have no shortage of property to manage while they wait things out. Nor do they appear to be hurting for cash. Property records show the brothers, both individually and through their company Jayan Elle LLC, have netted an estimated $30 million through real estate transactions since the mid-1990s. Given the failed negotiations, and Hultman's declaration of war on their name, they can likely afford to do battle.
Of course, as businessmen, they'd rather just remove the pebble and get on with it. Loren Toews says he's confident they will sell Hultman's old house. "We are going forward with it and put it on the market," he says. "I don't know when, but at some point in the near future."
As for the graffiti, the overgrown hedges, and the fence? "We are going to renovate the property," he assures. "It needs a little tidying up."
Neighbor Byrne is certain that the neighborhood will again rally to thwart a third-party sale if the brothers put the house up for sale. But such opposition won't deter the Toewses. They have strategies, Loren says, intended to prevent neighbors from interfering with the sale this time around. "I won't say what," he says. "But we have some plans."
Contact the author of this piece, send a letter to the editor, like us on Facebook, or follow us on Twitter.
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Pineapple Pork Roast
READY IN: 8hrs 15mins
Recipe by Mommaof2Beauties
A pork roast with pineapple and spices, cooked in the crockpot.
Top Review by kmdipaolo
I made this the other night, but only used a small can of crushed pineapple since that's what I had. I added it (with juice) at the beginning rather than later. The roast turned out great. I thickened it with a little cornstarch and water about an hour before we ate. The next night I heated up the leftovers with some BBQ sauce for sandwiches.
See Discussion:12 Reviews
Ingredients Nutrition
- 3 lbs pork roast
- salt
- pepper
- 1 (16 ounce) can crushed pineapple
- 2 tablespoons brown sugar
- 2 tablespoons soy sauce
- 1 garlic clove, minced
- 1⁄4 teaspoon dried basil
- 2 tablespoons flour
- 1⁄4 cup cold water
Directions See How It's Made
- Salt and pepper pork roast to taste.
- Combine all ingredients, except flour and water, pour over roast.
- Put on lid and cook on low for 8 to 10 hours.
- Once done, remove roast.
- Drain and reserve liquid.
- Return meat and pineapple to crockpot.
- Add water to liquid to make 1 3/4 cups.
- In saucepan, blend flour and cold water together to form a smooth paste.
- Add hot reserved liquid and stir.
- Cook on medium until thickened, stirring continuously.
- Pour over roast.
- Serve with rice or potatoes.


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- Trending Now: More Trending:
- Svengali syzygy hegemon repugnant white nationalist, white supremacist
Definition of nationalize
transitive verb
1 : to give a national character to
2 : to invest control or ownership of in the national government
nationalizationplay \ˌnash-nə-lə-ˈzā-shən, ˌna-shə-nə-lə-\ noun
nationalizerplay \ˈnash-nə-ˌlī-zər, ˌna-shə-nə-ˌlī-zər\ noun
Examples of nationalize in a Sentence
The government nationalized the health-care system in the mid-1950s.
nationalizing the country's oil supply
Recent Examples of nationalize from the Web
Socialists want to nationalize banks, not break them up.
Unlike congressional races, Thompson argued gubernatorial contests are dominated by unique state issues, making them harder to nationalize.
Other countries have nationalized space programs, with large bureaucracies.
The conflict came after Egypt nationalized a key shipping canal, prompting Britain, France, and Israel to invade.
But on Tuesday, Congress held a hearing to consider more than a dozen bills to nationalize the rules of the road.
His election nationalized his own personal inadequacies.
Both candidates' messages were entirely nationalized as well.
For that, Northam can thank Perriello, who nationalized the race in ways that should send shudders down the spines of Republicans across the country.
These example sentences are selected automatically from various online news sources to reflect current usage of the word 'nationalize.' Views expressed in the examples do not represent the opinion of Merriam-Webster or its editors. Send us feedback.
First Known Use of nationalize
Financial Definition of NATIONALIZE
What It Is
Nationalization occurs when a country's government seizes the assets of corporations or resources without paying for those assets.
How It Works
Let's say Country XYZ elects John Doe. A year before he is due for re-election, John Doe dissolves the ineffective representative houses of government and issues an executive order abolishing presidential term limits. In this way, he is able to assume a dictatorial form of leadership.
Doe then decides that the people of Country XYZ should not have to pay for food. Accordingly, he nationalizes the food manufacturing companies, including Kraft. In doing so, he seizes Kraft's factories, cash accounts, manufacturing equipment and other assets but does not provide compensation to Kraft's investors for those assets. He then appoints a person to run and manage the company on behalf of the government.
The Gold Reserve Act nationalized gold and fixed its price. The Gold Reserve Act was notable because in an attempt to end the Great Depression, it fixed the value of the U.S. Treasury's gold holdings. By legislating that $1 was worth 15.715 grains of gold, a troy ounce of gold could buy $35 rather than $20.67. By devaluing the dollar this way, the value of the Treasury's gold increased by $2.81 billion.
After seizing everybody's gold, the Gold Reserve Act allowed the Treasury to then set the price of gold at $35. The Treasury used the profits to create an Exchange Stabilization Fund, which (even today) allows it to trade foreign currency in order to stabilize the exchange value of U.S. currency without affecting domestic money supply or requiring Congressional approval
Why It Matters
Nationalization is a controversial action, and most investors in nationalized companies will say that it is basically theft. However, when governments nationalize industries or companies, they usually do so in an attempt to control prices for the products those industries produce, are interested in "redistributing wealth," or control the expenses associated with production in that industry. It is most common in developing economies and is sometimes a way to grab power.
NATIONALIZE Defined for English Language Learners
Definition of nationalize for English Language Learners
: to cause (something) to be under the control of a national government
NATIONALIZE Defined for Kids
Definition of nationalize for Students
: to place under government control
Law Dictionary
Legal Definition of nationalize
: to invest control or ownership of in the national government
Learn More about nationalize
Spanish Central: Translation of nationalize Nglish: Translation of nationalize for Spanish speakers
Seen and Heard
What made you want to look up nationalize? Please tell us where you read or heard it (including the quote, if possible).


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I'm sitting 3 A levels, one of which is Further Maths.
To stay at my sixth form next year I need at least a B in Further to carry it onto A2. I think I've struggled to get that ( I haven't sat all of my AS exams yet btw)
I need help on how to get top UMS in S1 and M1.
I'm starting to think about my next steps, what do I do if I don't get back in for Year 13. I want to go to uni and study Economics/Economics&Finance but without my A levels, I'll probably struggle.
Further Maths is my real issue, I'm doing fine in my other two subjects but even if I was to repeat Year 12, it would be so hard watching my friends leave whilst I have another year. Besides that,every A level will be on the new two year linear spec.
So any advice or thoughts would be most welcome, thank you.
You are Here: Home > Forums >< Study Help >< Secondary School, Sixth Form and FE College >< A-levels
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Cant you just carry furthermaths to A2 and repeat modules, or you could drop further maths and do an a level in 1 year?
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If my grade wasn't good enough then they wouldn't allow me to carry it to A2 and repeating modules would make it harder on top of A2 modules. I was thinking about an A level in one year but I wouldn't have a predicted grade since I didn't do a Year 12 mock and that's even IF they'll allow me to do that.
(Original post by SuperHuman98)
Cant you just carry furthermaths to A2 and repeat modules, or you could drop further maths and do an a level in 1 year?
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Updated: May 19, 2017
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This short post is a call for action! There's a fantastic CPD programme being developed with major funding behind it – the sort of thing we've been crying out for. They're short a few participants, though, so please do read on and get involved with brilliant, free (with paid release from teaching!!) CPD. Our innovative new CPD… Continue reading Literacy for Achievement
Category: Resources
Nurturing a rich first language – the key to success in school
Carrie Norman is a former EAL Lead and a current primary school principal. She started Beelingual UK – a publisher of multilingual children's books – in response to the needs she saw in school. Our EAL pupils have always achieved well with a visual, creative and language-rich curriculum, but it wasn't until we really embraced… Continue reading Nurturing a rich first language – the key to success in school


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Green notebook: Part L is just the beginning
The Code for Sustainable Homes could mean even tougher rules
Code for Sustainable Homes
With all the excitement over the new Part L, it is easy to forget that the government originally announced that the Code for Sustainable Homes would also be effective from this month. But a recent announcement suggests that following the consultation period on the code (which closed last month), the government intends to produce a clear set of minimum standards of energy efficiency for each of the five levels of the code - including a base level that will be tougher than Part L. We assume these will be announced later this year.
Since the government also made it clear that the code would form the basis for future building regulations, it's reasonable to assume it will use the carbonmetric system introduced by Part L - which uses CO2 emissions as a measuring stick for energy efficienc. In other words, it is conceivable that on certain residential projects, architects will be expected to design to a carbonmetric standard well beyond Part L in the very near future.
It's also interesting to consider that embodied energy in construction could figure in the equation before too long - this was certainly flagged up in the futures paper on the ODPM website during last year's Part L review. The lower the operational energy of a building, the higher the relative impact of the initial energy expended in manufacturing, transport, construction and ongoing maintenance.
The problem for architects is that product manufacturers have been shy to voluntarily declare their energy and other environmental impacts. While the full BRE Environmental Profile is the Rolls Royce of declarations for products and materials, there seems to be scope for a lesser declaration, whereby manufacturers could declare their products' environmental attributes and satisfy the growing market for products with "green" attributes including low embodied energy.
Heat reclaim through smart window design
When we were working on our low-energy proposals for the Vauxhall Tower, we developed a high performance triple glazing system. Exhaust ventilation air is introduced into the cavity between the outer double glazing and inner glazing to reheat the glass envelope and reduce conduction heat exchange.
Last week, I attended a seminar run by Product Innovation in Architecture, an RIBA-sponsored group which brings together architects and designers with an interest in working with manufacturers. It included a presentation on an innovative whole-house ventilation system using a similar principle, but at the more affordable end of the product spectrum.
The Dwell-Vent system uses supply air as a preheating device, drawing in intake air through vents at the bottom of the windows' outer frames. The air is drawn up into the gap between the panes, and in so doing is warmed by heat escaping from the room or, at certain orientations, by solar gain. This free heat gain can be a substantial benefit. The system relies on passive stack ventilation from kitchens and bathrooms, with the pressure differential drawing air gently through the house towards the stack. The windows have a non-return valve at the room outlet, and the glass has a low-E coating on the inner pane's outside face.
Overall, the system claims to reduce space heating costs by 15-20%. If that's correct, the system could be a promising example of affordable, low-tech innovation. Demonstration pilot projects are underway, and computer simulations will determine when site characteristics, building layout and orientation are appropriate to achieving such an impressive level of energy savings compared with a small additional cost for the windows.
Planning for sustainability
The government has been under pressure to streamline and simplify the planning approvals process to minimise alleged barriers to housing supply, with initiatives such as design codes and affordable housing quotas. While the Merton Rule on renewables expectations and the London Plan's Energy Strategy were seen by some as potential barriers to streamlining, it is clear that by setting the bar high, they have in fact had a major impact on the uptake of renewable energy and on projects' sustainability.
Indeed, although the government stated that it did not intend to make the Code for Sustainable Homes a condition of planning consent, the ODPM recently announced it would be analysing further ways to increase takeup of the code, such as incentives in the planning system.
Those of us who feel the planning approval process is the ideal time to persuade developers to commit to sustainability strategies welcomed David Miliband's recent announcement (News April 7) that a new planning policy statement will set out how the planning process can achieve further carbon savings.
Lynne Sullivan is director of sustainability at Broadway Malyan.
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Continuing to showcase some of my older mixxes
Hip Hop. basically the reason for my DJ Name. At weddings, I play what the peoplez want, but in my own personal life, anything goes. Wedding Steve is my public persona, but if you want to know one side of The Real DJ Steve, listen to this.
My card is stamped #DJ4Life
Mixx created on 09/14/2012
IT'S STRICTLY FOR AFTER PARTIES (for a reason)
I wouldn't play ANY of this at a Wedding in a million years. I probably wouldn't even play this at a club. It's a lot of offensive, explicit songs. This mixx is for people that rock it til the sun comes up, 4real. Don't start playing this until 3 in tha morning -then it will make perfect sense.
Here's a hint, if the first 11 seconds offend you, you better change the channel. Think of this as something guys would listen to at a bachelor party. I've got plenty of other mixes online if this is too much – don't be hatin'.
- 1 I'm On Patron by Paul Wall
- 2 Shake It by Bone Crusher f. Ying Yang Twinz
- 3 Don't Know How To Act by Flo Rida
- 4 I Smoke, I Drank by Body Head Bangersz
- 5 Some Cut by Lil Scrappy
- 6 Motel Room by Dirt Nasty
- 7 Are We Cuttin by Pastor Troy
- 8 Tipsy by J-Kwon
- 9 Microphone Fiend by Rakim
- 10 I'm Ill by Red Cafe
- 11 Rack City by Tyga
- 12 Put Your Drinks Down by Drag-On
- 13 Love For That Music by JL (Of B-Hood)
- 14 Break It Down by Juvenile
- 15 Red Bottoms by Trina
- 16 All About You by Pitbull
- 17 Nu Jack by Cotton Club
- 18 50,50,Here They Come by 69 Boyz
The Real DJ Steve is both a Las Vegas Wedding DJ and the head of United DJs Las Vegas. For more information please check out:


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The Cowboys' secondary is being affected by the NFL's new emphasis on, well, any sort of touching. Read »
How did lockout help the NFL get the best officiating possible? Read »
Not actual zebras, of course. That would be preposterous. Read »
In an effort to clean up the penalties that have hampered the season thus far, the Dallas Cowboys may bring referees to Valley Ranch. Read »
For the second consecutive week, a Cowboys game has been delayed by a wholly befuddled officiating crew. Read »