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(612) 598-0451
Roy Rogers Remodeling, Inc.
16 years in business4066 White Bear Ave N
White Bear Lake, MN 55110-4305
Additional Phone Numbers
- (877) 399-5757
- (651) 270-8048
Additional Email Addresses
- email@example.com
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BBB File Opened: 11/30/2005
Business Started: 07/17/2001
Business Started Locally: 07/17/2001
Business Incorporated: 12/28/2011 in MN
Type of EntityCorporation
Business Management
- Roy Rogers, Owner
- Tim Palmer, General Manager
- Larry Rogers, Owner/Manager
Business Category
- Contractors - General
- Construction Estimates
- Contractor - Remodel & Repair
- Gutters & Downspouts
- Gutter Cleaning
- Gutter Leaf Guards
- Contractors - Gutters
- Roof Structures
- Roofing Contractors
- Commercial Roofing
- Contractor - Metal Roofing
- Contractor - Tile Roofing
- Roofing Service Consultants
- Siding Contractors
- Waterproofing Contractors
- Construction & Remodeling Services
- Remodeling Services
- Handyman Services
- Water Leak Detection
- Waterproofing Materials
- Roofing Equipment & Supplies
- Roofing Materials
- Siding Materials
- Siding Cleaning
- Fire & Water Damage Restoration
- Water Damage Restoration
- Hail Repair
- Tile Restoration
- Contractor - Flat Roof
Service AreaWe service the following area(s): Twin Cities Metro - 11 County
Industry Tips
Licensing, Bonding or RegistrationThis business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.
According to the information provided by Roy Rogers Remodeling, this company offers contracting services in exterior remodeling, and specializing in siding & roofing.
BBB Reason for Ratings
Licensing information is provided in the BBB Business Profiles to inform the public about industries that may require professional licensing, bonding, or registration. Better Business Bureau encourages you to check with the appropriate agency to be certain any requirements are currently being met.
Advertising Review
BBB promotes truth in advertising by contacting advertisers whose claims conflict with the BBB Code of Advertising. These claims come to our attention from our internal review of advertising, consumer complaints and competitor challenges. BBB asks advertisers to substantiate their claims, change ads to make offers more clear to consumers, and remove misleading or deceptive statements.
Government Actions
BBB reports on known significant government actions involving the business's marketplace conduct.
Out of Business
BBB reports on a company that is out of business for three years from the date the company closes its doors or ceases to do business.
Misuse of Better Business Bureau Name/Logo
BBB reports on unauthorized use of the Better Business Bureau's name and/or logo for as long as the business continues to use it in any advertising, or for one year after the business ceases any repeated unauthorized uses.
BBB reports on a business's bankruptcy as long as the business remains in bankruptcy.
Mail Returned
BBB reports when mail sent to the business was returned by the Postal Service.


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Primal Wear's Tungsten Evo Bib Shorts are ready for your next big ride. Vero fabric provides superior compression and abrasion resistance, while a race-specific Evo Corsa cut has a close, aerodynamic fit. These bibs use Primal's advanced E6 carbon chamois to reduce lactic acid, improve blood flow, and increase shock absorption.
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Shenandoah Bicycle Company
135 South Main Street
Harrisonburg, Virginia 22801
Telephone: +1(540)437-9000
Email: email@example.com
SBC/Pulp Shop HoursMonday-Friday 11-7Saturday 9-4Sunday RidingSVBC WEBSITE
ShopSBC UpdatesPulpRentalsService & RepairBicycle FittingRides & EventsLocal ResourcesSite Map

subset: commoncrawl


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To make reservations by phone, dial freephone 0800 221 222 in the UK, 1 800 409 929 in Ireland, or view our regional telephone reservation numbers.
Resort Main Entrance
The newly renovated Sawgrass Marriott Golf Resort & Spa has all you need for a warm and welcoming Florida stay. From 99 holes of championship golf and an on-site spa to refreshed guest rooms and versatile meeting spaces, it's all right here.
Front Desk
Welcome to the Sawgrass Marriott Golf Resort & Spa where we provide business and leisure guests with all of the ingredients for a winning stay. Experience our warm hospitality, casual ambiance and pleasant weather year round at our beautiful 65-acre resort just 30 minutes from Jacksonville Airport.
King Guest Room
Our new innovative guest room design has been inspired by travelers like you. Sophisticated design, stylish touches, and flexible furnishings help you work and relax the way you want.
Double/Double Guest Room
We've got it all, plenty of room to sleep plus room to work, play and relax in our double/double guest room. It's sleek, sophisticated and inspired by our spectacular Ponte Vedra Beach, Florida setting.
Premium Service King Room
Behind an unassuming glass door, your VIP key will open a wing welcoming you to an unparalleled oasis, an exclusive Premium Service wing at Sawgrass Marriott Golf Resort and Spa.
Premium Service King Room – Sitting Area
Hosts will anticipate your every need, from preferential tee times, to favored reservations at any of our nine dining venues.
Premium Service Double/Double Guest Room
Our premium service double/double guest rooms feature living room lounge access, a wing dedicated host, complimentary snacks, beverages and much more.
Premium Service Double/Double Guest Room
All of the ingredients for a winning stay begin with our premium service double/double guest room. Platform beds, comfortable seating areas and wide-planked wood floors are just some of the special benefits of these accommodations in our Premiums Service wing.
Premium Service Amenities
It's all right at your fingertips. The amenities of our Premium Service Suite include a Keurig coffee maker with a range of coffee and tea flavors as well as a modern in-room fridge.
Resort Room View
Tucked between towering palm trees and moss-draped water oaks, the resort is a beautiful tropical getaway.
Guest Room - Lagoon View
Tucked between towering palm trees and moss-draped water oaks, the resort is a beautiful tropical getaway.
Guest Bathroom
There's plenty of room for two in our modern guest bathrooms. Bright lighting, contemporary fixtures, granite counter tops and our exclusive THANN amenities set the stage for comfortable pampering.
Premium Service - Guest Bathroom
The guest bathroom in our Premium Service accommodations is modern, sleek and offers plenty of room to facilitate your morning routine with back-lit vanities and bath amenities.
Villa Suite Sitting Area
Kick back, watch a movie or just chat with friends in the sitting room in your Villa Suite.
Corner Villa Suite - Sitting Area
Spread out and relax with friends or family in the sitting room of your own private Corner Villa Suite.
Villa Suite Kitchenette
Make a fresh pot of coffee or enjoy a meal in the kitchenette of the Villa Suite.
Villa Suite - Double/Double Bedroom
When you're traveling with a group, we make it easy to unwind with a friend in the Villa Suite Double.
Villa Suite Connector Bathroom
Freshen up in the stylish comforts of the Villa Suite Connector bathroom.
First Floor Villa - Lagoon View
Bask in the tranquil beauty of the lagoon views from the Villa Suite patio.
Villa 1500 - Lagoon View
Take in the tranquil lagoon views from your private villa. Cross the wooden bridge beneath water oaks and palms to your own quiet escape.
Second Floor Villa - Lagoon View
Lay back on your villa patio and enjoy the warm Florida weather with a tropical lagoon view.
One-Bedroom Villa Suite - Patio
Steps away from the resort lobby, the Villas provide a quiet escape for you to relax after a long day.
Two-Bedroom Villa Suite - Patio
Lounge in the fresh air of the patio outside your two-bedroom Villa Suite at our Florida resort.
Hospitality Suite - Sitting Area
Spread out and wind down in the living space of the Hospitality Suite, perfect for an over night stay, bridal suite or small gathering.
Hospitality Suite - Murphy Bed
Choose the amount of space you need in the Hospitality Suite with a convenient Murphy Bed that easily tucks away and an optional adjoining guest room.
Hospitality Suite - Bathroom
Make yourself at home in the spacious bathroom of the Hospitality Suite.
Premium Service Suite - Living Room
Wrap around floor-to-ceiling windows and a balcony overlooking stunning views of the resort make for a luxurious feel in the living area of the Premium Service Suite.
Premium Service Suite - King Bedroom
Rest up during your stay in the privacy of the Premium Service Suite bedroom where you'll enjoy plush Marriott bedding, spacious accommodations, and sweeping views of the resort grounds.
Premium Service Suite - Guest Bathroom
Refresh in the Premium Service Suite bathroom, furnished with signature Elemis spa products.
Sawgrass Suite - Living Room
Relax in the chic and spacious living area of the Sawgrass Suite, equipped with a wet bar, Keurig and cozy seating.
Sawgrass Suite - Living Room
Designed with your luxury in mind, the Sawgrass Suite offers an over-sized built-in dining nook, a plush sectional and entertainment area, as well as a intimate seating area so you have all the room you need to spread out during your stay.
Sawgrass Suite - King Bedroom
Find all the R&R you need in the seclusion of the Sawgrass Suite bedroom, offering ample storage, a sound proof entertainment display, plush Marriott bedding and a chic design.
Sawgrass Suite - Guest Bathroom
Feel pampered in the sleek bathroom of the Sawgrass Suite as you get ready for the day ahead, or wind down after it's all over. Featuring back-lit vanities, double sinks, a separate water closet and a large walk-in shower, you're sure to feel refreshed.
Luxury Suite - Living Room
We know you'll want to move right in to our Luxury Suite living room! With flexible modular furniture, it's designed for the way you live and work, featuring plenty of bright light through floor-to-ceiling windows and a comfortable contemporary design. There's simply no better way to stay at our Florida resort.
Luxury Suite - King Bedroom
We're reinventing travel and that starts with the way you stay. Our Luxury Suites are a reflection of our bold, fresh design which includes a combination of hardwood floors and carpeting, comfortable bedding, sleek furnishings, and of course, those unmatched floor-to-ceiling windows with spectacular views.
Luxury Suite - Bathroom
We know our guests appreciate clean, modern design and that's just what you'll find in our Luxury Suite baths with sleek fixtures, modern cabinetry and plenty of space for everything.
Executive Suite - Living Room
All the space you need for the family, to meet with colleagues or to just relax. Light, bright and modern for the way you like to stay at our Ponte Vedra Beach resort.
Executive Suite - King Bedroom
Always warm, always welcoming. The innovative and sophisticated design of our Executive Suite helps you "Travel Brilliantly". Clean lines, a natural palette reflecting our stunning Ponte Vedra Beach location, and modern amenities provide an ocean of comforts.
Executive Suite - Bathroom
Start your day in our sophisticated Executive Suite bath where style meets substance. Modern clean lines, contemporary fixtures and a palette incorporating the colors of our Ponte Vedra Beach location welcome guests as you pamper yourself with our exclusive THANN amenities.
King Suite - Living Room
Relax, stretch out, catch up with a good book or enjoy an afternoon nap. The living area in our King Suite is spacious, contemporary, and flexible for the way you like to stay.
King Suite - Bedroom
Open the door to your King Suite and marvel at the light-filled floor-to-ceiling windows. Our room décor is bright and airy — just like the beautiful scenery outside. It's a stylish new way to stay full of innovation and sophistication.
King Suite - Work Desk
Find space to get work done and stay productive away from the office at the desk in a King Suite.
King Suite - Guest Bathroom
Our King Suite bathrooms feature plenty of space. Our exclusive THANN amenities will help you make the most of the full tub and shower as you wake up and start your day at our Ponte Vedra Beach resort.
Presidential Suite - Living & Dining Area
Meet, present or just relax in the expansive sitting and dining areas of the Presidential Suite.
Presidential Suite
Enjoy peace and solitude behind private doors as you relax in the stylish comforts of the newly renovated Presidential Suite bedroom.
Presidential Suite - Bathroom Vanity
Spread out with twin sinks in the chicly renovated vanity of the Presidential Suite bathroom.
Presidential Suite - Bathroom
Enjoy a separate bath and shower as you unwind in the spa-like bathroom of the Presidential Suite.
Suite - Lagoon View
Feel the gentle breezes over our tropical lagoons. Surrounded by moss-draped Water Oaks, the lagoons are a defining feature of the resort.
Premium Service - Living Room Lounge
Cozy up in our Premium Service wing's living room lounge, where a private host will be happy to check you in, offer snacks and beverages, make dining reservations and reserve preferred tee times.
Starbucks - Lobby Meeting
Grab a quick coffee in between meetings at Starbucks, conveniently located in the upper lobby at the entrance to our convention center.
American Gator Club
Welcome to the American Gator Club, our outdoor restaurant and bar which features covered, open-air patio tables as well as outdoor deck seating. Come grab a seat overlooking the tranquil lagoon and 13th hole at The Stadium Course at TPC® Sawgrass.
Alice & Pete's Pub
Order a craft beer or fine whiskey at Alice and Pete's Pub. It's the perfect space to unwind after a day of meetings or challenging round of golf.
Alice & Pete´s Pub Patio
Grab a drink or a meal at Alice & Pete's Pub Patio overlooking the lagoon and golf course beyond. Take a swing at hitting a hole-in-one on the replica floating green. Or just enjoy the breezy, laid-back atmosphere.
Vernon's Private Dining Room
Talk business or keep it social at Vernon's Private Dining Room. Fresh, seasonal fare and daily menus have won Vernon's several awards, including Open Table's Best Overall Restaurant in 2014.
Vernon's Restaurant - Breakfast Buffet
Start the day off with a delicious breakfast from Vernon's Restaurant breakfast buffet, you won't regret it.
Vernon's Restaurant - Breakfast Buffet
The breakfast buffet at Vernon's Restaurant offers a variety of fresh fruit, eggs, bacon, pastries and even a made-to-order omelet station.
Vines Wine Bar
Sip a variety of wines and speak with knowledgeable bartenders who can assist with delicious dining recommendations and perfect pairings.
Vines Wine Bar Cocktail
Enjoy a pre-dinner cocktail or delicious appetizer with friends or colleagues.
Resort Pool
Take a swim in our Family Pool with abundant space to splash around and an additional Children's Pool nearby.
Lagoon Pool
Relax in the tranquility of our adult only Lagoon Pool while you enjoy poolside refreshments from the American Gator Club.
Lagoon Pool Fire Pit
Grab a chair by the fire pit and watch fellow guests take a swing at the Floating Hole Challenge or lose yourself in the calming sound of the nearby Cascades Waterfall.
Lagoon Pool View
The adult only Lagoon Pool boasts sweeping views of the Stadium Course's 13th Hole at TPC Sawgrass.
Cabana Beach Club - Outdoor Pool
Our junior Olympic-sized pool is the perfect place to cool down at our resort.
Fitness Center
We know when you're on vacation you relish the extra time to work out. Our fully equipped 24-hour Spa fitness center features Life Fitness cardiovascular and strength training equipment, as well as a full schedule of fitness classes so you can maintain your active lifestyle during your stay.
Mighty Oaks - Entertainment Area
Fun, friendship and fantasy take flight at Mighty Oaks at Sawgrass Marriott Golf Resort & Spa. Designed for children ages 4 to 12, Mighty Oaks is the place where parents and kids can spend quality time together in a venue designed for our littlest guests with big plans for vacation enjoyment.
Mighty Oaks - Play Area
It's modern, inspired by fun and all about smiles, laughter and new friends at Mighty Oaks. From channeling your inner superhero to searching for treasure on summertime scavenger hunts, our kid-friendly zone is a powerful draw for kids who want a place of their own while on vacation.
Cabana Beach Club - Exterior
Our Cabana Beach Club offers guests private beach access and lots of fun.
17th Hole at TPC Stadium Course
Enjoy the opportunity to play this world-famous hole at our Florida golf resort.
Sawgrass Spa - Walkway
Welcome to the Sawgrass Spa. As you walk on the pathway to our treatment rooms, the grounding river rock, subdued lighting and relaxing aromas help you escape to a world of wellness and serenity.
Sawgrass Spa - Couples Massage Room
There's no better way to relax, reconnect, and rejuvenate than to enjoy a couples massage at the Sawgrass Spa. Our resort spa is surrounded by 15 acres of winding lagoons, water oaks, palm trees and giant magnolias near Jacksonville, Florida.
Sawgrass Spa - Blow Dry Bar
The Sawgrass Spa offers you countless ways to pamper yourself. Our new blow dry bar is every guest's secret weapon. Don't worry about doing your hair on vacation or for your special occasion, just head on over to our blow dry bar to have one of our stylists create your favorite look.
Spa Locker Room Amenities
Before a day of relaxation, spa guests can store their belongings in the convenience and safety of our locker room and take a relaxing pre-treatment soak in our hot tub.
Spa Treatment Room
The right treatment can turn any trip into a true vacation. Experience a variety of signature massages and therapies designed to help you rejuvenate the body and mind.
Might Oaks Meeting
Our Mighty Oaks kids zone doubles as a whimsical setting where executives can brainstorm and conceptualize that next big idea.
Villa Meeting Room
With our Villa meeting space, your attendees will be inspired to brilliance with plenty of natural light and access to kitchenette amenities as they get down to business.
Villa Meeting Room - Theater Setup
Small group meetings or important breakout sessions have never been more appealing than in our Villa Meeting Room. Light, bright and with natural surroundings just outside the doors, it's a great place to meet, brainstorm and educate.
Villa 1500 Suite
The Villa 1500 Suite provides the space and privacy you need to brainstorm that next big idea. Equipped with a full service kitchen, this is an ideal meeting space for group breakouts and small gatherings.
Tournament Hall A - U-Shape Setup
In the privacy of Tournament Hall A, brainstorm with colleagues during your next meeting in Ponte Vedra Beach.
Tournament Hall B - Corporate Setup
Meet in the expansive Tournament Hall B of our hotel in Ponte Vedra, conveniently located steps away from Starbucks.
Stadium Meeting Room – U-Shape Setup
Enjoy views overlooking the lagoon during your meeting in the Stadium Meeting Room.
Champions Ballroom – Banquet Setup
Our largest function space can accommodate any of your meeting and event needs.
Champions Ballroom - Corporate Event Setup
With custom lighting and flexible staging setups, the Champions Ballroom is ideal for corporate events.
Champions Ballroom - Theater Setup
Seat up to 2,500 meeting attendees in the expansive Champions Ballroom.
Convention Center Check-In Desk
Check in attendees from the convenience of the built-in desk just outside our event spaces. And welcome your group in our expansive pre-function space outside the Convention Center.
Convention Center Foyer with Starbucks
Step out of the Convention Center and into the large foyer, complete with full-size Starbucks and catch up with colleagues and email over your favorite coffee drink.
Heritage Ballroom - Classroom Setup
The flexible Heritage Ballroom offers a variety of options, making it one of our most versatile spaces that can accommodate groups of any size.
Commissioner's Boardroom
For high-level talks and important meetings, book our Commissioner's Boardroom with seating for up to 16.
Tournament Hall - Event Setup
Go big for your next event with 12,000 square-feet of event space. With the ability to host up to 1,000 guests, this room is ideal for large events, but can also be split into two smaller rooms to accommodate groups of any size.
Cabana Beach Club Outdoor Event
Enjoy lunch with a view at your next meeting or event at our Cabana Beach Club.
Cabana Beach Club Outdoor Event
Host your next event beach side, on the spacious deck at our Cabana Beach Club.
Cascades Deck - Social Event
Meet on the Cascades Deck for an outdoor social or corporate event. And wow your guests as you gather under the sun and stars overlooking lagoons and moss-draped Water Oaks.
Cabana Beach Club Bride
The Cabana Beach Club offers the perfect backdrop for bridal pictures and especially your ceremony or reception.
Cascades Event Lawn Reception
Use nature as your canvas to design the wedding reception of your dreams. The deep greens and rich woods of our lagoon-side setting are complemented by the soothing sounds of the nearby Cascades waterfall. Add your choice of table linens and flowers, and an amazing outdoor reception is complete.
Cascades Event Lawn Ceremony
There isn't a more perfect setting to say "I Do" than by the lagoon. The Cascades Event Lawn is a special venue for those who seek an outdoor ceremony surrounded by nature. By day, the lush greenery sets the stage for romance, or come nightfall add in twinkling white lights and lanterns for a magical ambiance.
American Gator Club Lower Deck Reception
Our resort grounds provide an amazing variety of venues for weddings and receptions. Our American Gator Club Deck is a stunning option for a reception, bridal shower, or special celebration. Our Certified Event Planners can show you how to personalize any setting at our luxury resort and make it your own.
Architectural Elegance
Take in the stunning architectural elements around the resort and discover what makes Sawgrass Marriott so unique.
Wedding Gazebo
Whether you're looking for the perfect spot to pop the question, commemorate your engagement or say "I do", the gazebo is effortlessly romantic for your special moment at our resort in Jacksonville, FL.
Champions Ballroom - Reception
From the first dance to the grand exit, our Champions Ballroom provides you the space to show off your moves and share an unforgettable day with all of your family and friends.
Champions Ballroom – Wedding Celebration
Our Champions Ballroom is a versatile space to suit any function.
Arbor Ballroom Reception
Enjoy the privacy and natural beauty that surrounds the Arbor Ballroom during your next meeting or event.


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ANAHEIM — The Ducks pulled off an inspiring third-period comeback on Wednesday night in defeating the St. Louis Blues, 4-3, at Honda Center, slowing down the team that leads the National Hockey League with 100 points.
It was also impressive in that this was a Blues team that had a glossy 37-0-1 record when scoring three goals or more, pointing to their strong defensive game and ability to close out an opponent.
But the win also conjures up what could have been with the Ducks.
These kind of victories didn't happen in October. Nor in November. Or December.
Had the Ducks played anywhere near their potential, they would be among the teams competing for a playoff spot rather than staring at an offseason full of regrets. If they had a 16-16-6 record instead of a 10-22-6 mark after the first 38 games, they would be 38-26-11 with 87 points, the Ducks would be in the seventh spot in the Western Conference.
But that only invited more 'if' scenarios and the Ducks didn't want to look back Wednesday.
"We don't think like that, to tell you the truth," captain Ryan Getzlaf said. "That went away a while ago. All we've done the second half is just try and play. Start a new season and go from there.
"We've had some ups and downs throughout the second half as well. Overall, we've played pretty well through this push here."
Had the Ducks played better in the first half, they would probably still have Randy Carlyle as their coach and not Bruce Boudreau. Who knows if the second half would have played out like it has given that they stopped listening to Carlyle.
The point now is to finish off their strong play in 2012 and provide a glimpse into what might be next season rather than what could have been.
"We're just trying to win hockey games," forward Jason Blake said. "It doesn't matter. The situation that we're in, we're just trying to win."


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The United Counties of Prescott and Russell's Accessibility Advisory Committee seeks to improve accessibility throughout the Counties. The committee's mandate is to produce an annual Accessibility Plan and to advise Council on ways to improve accessibility in the Counties by removing existing barriers over time and by preventing new ones from being created.
Municipalities with 10,000 or more residents are required by the Accessibility for Ontarians with Disabilities Act to have a local Accessibility Advisory Committee. The committee is comprised of community volunteers and representation from Council.
The UCPR is dedicated to continuously improving accessibility within our Counties, and to achieving the goals set by the Accessibility for Ontarians with Disabilities Act (AODA).


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In the decades since the end of the Second World War, something remarkable has happened to people in Britain and many other developed countries: their lifespans have grown rapidly.
On average, a man who turned 65 in 2009 could expect to live another 18 years, while a woman of the same age could look forward to almost 21 more years. If we go back four decades to the early Seventies, the pace and scale of this change becomes clear – a man who turned 65 then could typically expect to live for about 12 and a half years and a woman about 16 and a half.
This change is a huge blessing, particularly the prospect of a long and active retirement – which is what a number of those who took part in BlackRock's research during September into British investors' attitudes aspire to. Four in 10 say they look forward to frequent holidays and travel after they retire; three in 10 plan to take frequent exercise, start a new hobby or carry on working.
However, these opportunities are balanced by an obvious counterweight – the money we hope will fund the lifestyle to which we aspire has to support us for longer, particularly if we plan to retire at a similar age to previous generations. And this is doubly true if we are to spend those years pursuing the sorts of activities that many of us hope to enjoy.
So, although people say they look forward to leading a busy and active life, many are also keenly aware of the financial burden of living longer.
A lot of people have high aspirations for their retirement but are doing little or nothing to ensure they will have enough money to reach their goals More than 40 per cent of the 2,000 people who took part in the research said they were worried about outliving their savings. A similar number said they had lowered their aspirations for the sort of lifestyle they expect to enjoy when they retire. Others plan to carry on working longer and put off their retirement date until they have saved enough.
The research suggests, however, that a lot of people have high aspirations for their retirement but are doing little or nothing to ensure they will have enough money to reach their goals. About half of those aged between 35 and 54 who took part in the research are not saving anything specifically for their retirement – many people remain focused on their present needs and wants. They might find the idea of old age too distant or daunting to confront.
There could be several reasons for this. They might be doing too little because they underestimate how much they need to save to fund the lifestyle they want – the research clearly suggests many people are not aware of how large a pension fund they will need.
When asked what annual income they would require to live comfortably when they retired, the average answer was £27,000, while the average retirement pot that people think they will need is £260,000. But this underestimates by over a half what people actually need to save, with £525,000* the approximate pot required.
On the other hand, some might assume the state pension and their employer's scheme will meet their needs in full. In some cases this might be true, but for many others these sources of retirement income will give an important start but won't be enough on their own. Many people will need to do more.
Among those BlackRock surveyed was a group of people who had already retired. Their advice to those who will follow them was extremely clear – three-quarters told others to start saving as early as possible and two-thirds said save as much as you can.
Other key pieces of advice included paying off debts, thinking long-term and reviewing your savings and investments regularly.
Given that this advice comes from people who have already had to confront these issues, we can all enjoy the benefit of their hindsight. Arguably, the key point they make is the first one, to start saving as early as possible. But with the world as it is, what are the options?
For most people, the way to make their money grow over the years until they need to retire is to invest it.
Money that has been invested has the potential to grow in two ways: first, because the value of the assets we buy can appreciate over time; and second, because the regular income that our investments generate can be ploughed back in to buy more assets that can in turn increase in value and produce more income.
This is called compounding and it is probably the most important way to steadily increase the value of your investments over the long term.
The key point, however, is that it needs time to work – compounding happens slowly over many years, so the sooner you let it get going, the better the chance you are giving it to succeed.
One important side-effect of increased longevity is that we have more time to let our investments work for us Compounding works with any type of investment that produces an income – from deposit accounts to bond and equity income funds – but there are some vital caveats. First, if the rate of return (or interest) is lower than the rate of inflation, the buying power of your money will shrink over time rather than increase, so it is extremely important to achieve a return that beats inflation over the long term.
As long as the interest rate on most deposit accounts remains below the rate of inflation, they will not be able to preserve the purchasing power of the money held in them. This is why investors may need to look beyond cash savings to generate the long-term returns they need.
One option is to own shares in the companies that are able to raise their prices year in and year out. Often these firms are large multinationals that sell everyday essentials around the world.
Because they are able to push up their prices at least as fast as inflation their profits should be able to rise in the same way, which gives their shareholders the potential for some protection against the damage that rising prices can do to their wealth.
Shares in companies like these also offer the prospect of some capital appreciation over the long term which would obviously help to protect the value of your investment in them.
There's no doubt that great longevity poses a challenge for everyone planning for their retirement, but one important side-effect is that we have more time to let our investments work for us.
So we should look on our longer life expectancy as an opportunity as well as a problem that needs addressing. Above all, it is far better to be doing something than doing nothing – you may have longer than you think to get back on track.
*Source: calculations based on UK actuarial aggregate rates data (William Burrows). Male age 65, female age 60, £100,000 purchase, joint-life 2/3rds, guaranteed five years, level payments.


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The Datarians were a faction of Soong-type androids present in an alternate timeline where Doctor Noonien Soong's ideals for mechanical life were developed in the United Federation of Planets.
The group developed their beliefs by their leader Data who took a large number of androids from the Federation after they had attained near equal rights to organic beings and settled on the planet Turing in the Romulan Neutral Zone. (TNG novel: Brave New World)
|stub relating to an intelligent species or civilization. You can help our database by expanding on it.
|stub relating to a type of technology or weapon. You can help our database by expanding on it.


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Ralph Good ft. Sheena – In The Zone Music Video
Ralph Good has unwrapped a colossal summer smash featuring the memorable vocal talents of Shena. Just in time for the summertime – 'In The Zone' is a feel good, piano house anthem that is igniting dance floors around the world. With remixes from Beatport award winning and number one remixer David Jones, plus Pacha's Richard Grey. The Summer anthem alert sirens are ringing loudly for this one!


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|Degrees & Certificates
|About SFI
|Teen Programs
|Extension Classes
|Student Life
Online Application - Certificate - Acting For Film
Please complete the online form below to apply for the Acting for Film Certificate Program.
If you'd prefer to apply by mail, you can Download or request a form to fill out and return to us.
Click Here to apply to the BA Acting for Film Concentration Degree Program.
Application Checklist:
- 1. Online Application
2. Personal Essay: A short personal essay (250-1000 words) consisting of your autobiography and your plans for the future.
If you'd like to discuss specific points, please tell us a little about who you are, how you became interested in acting for film and what you hope to get out of this program.
We encourage you to write your essay in a word processing program. When you are done writing, you can either attach the essay file to this application or copy the essay into the text entry box below.
3. Ready to go! Fill out the form below and submit it.
Please feel free to contact us with any questions.


text: Welcome Jackrabbits! We want to get to know you better. Can you find the Jackrabbit? Let's play a game... We are going to play Get to know you BINGO. Four across, down, or diagonal, first one gets a prize! First to fill the entire board gets a prize! You must find people to match each description. Now, get to know your Jackrabbits. GO JACKRABBITS


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It only takes a minute to get started. Fill out our simple sign up form and login to the website.
This step is voluntary but will drastically boost your chances of receiving views from other daters on the site. Let people know a bit about yourself, your interests and upload some good photos of yourself.
Use our website's sophisticated search to pinpoint members who match your criteria. Or just leaf through listings and pinpoint folks that attract you.
Discovered someone who you find interesting? Send a letter to them or just a wink and see what happens next. With a little luck you'll be on your way to uncover your suitable date.
It's really quick


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Prices, specials, features and availability subject to change.
A pristine waterfront view of Lake Norman welcomes you to our luxury apartments at LangTree Lake Norman Apartments. Relax in an atmosphere appointed with luxury and comfort, where exceptional finishes and sleek fixtures outline each unique and spacious 1, 2, and 3 bedroom home. Our apartments feature granite countertops, beautiful cherry cabinets and lake views in select apartments. If our features haven't convinced you, come and experience world-class amenities including a lakeside salt water pool and 1,700 sq ft Health Club.Residents of LangTree Lake Norman Apartments also enjoy the advantage of being close to large employers, 1 mile from Lowe's Corporate and 4.8 miles from Ingersoll Rand, as well as being close to an abundance of retail and restaurants both onsite and just minutes away! Come see why LangTree Lake Norman Apartments is your luxury lakeside living destination.
Apply by 8/31 and receive $200 off your first full month?s rent when signing a 12 month lease or longer!
Lease terms are variable.
Dogs Allowed. Cats Allowed. Pets Accepted. Call for service animal policy.
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We talked about this about a week ago when comparing NVIDIA and AMD cards running DOOM with theRead more
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MPEG Audio/Video Player is a simple MPEG and AC3 player for Linux, BSD, and Windows systems. It plays MPEG transport, program, and elementary stream files. It also has basic DVD support (using libdvdnav on Linux/BSD systems only). It features newly developed integer decoders for MPEG 1&2 video, MPEG layer 2 audio, and AC3 audio. It includes a partially working WMV/VC1 decoder capable of displaying I and P frames.
ansistego provides terminal-level steganography for scripts and other ASCII files (ie, protection against 'cat'). It intersperses a text/script with commented ANSI codes that cause most terminals to clear sensitive lines as soon as they are written. Only a specified front text appears. The front text is embedded in the script using ANSI-cloaked comments, so that the text appears unaltered when the script is viewed with cat, but the script can be run without any decoding stage.
StreetSign is a digital signage system, originally written for the TeenStreet 2013 (Germany) youth congress. It works with a single server, and multiple client computers connect over the network. It is lightweight enough that a Raspberry PI can run as the server for smaller installations.
Xtheater is a media playing tool for Unix. It has a flexible plugin architecture to allow for different UI and playback plugins. It has a plugin for a GTK UI, an smpeg-based plugin for playing mpg and mp3 files, and an AVI plugin for AVI and ASF files. It features seek, fullscreen, doublesize, GL rendering, and more.
An enterprise-class distributed monitoring solution.
A robust keepalive framework for Linux Virtual Server and router HA.


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Am I the only one that hates SATA? I'm not talking in a performance/standard sence (in that respect their great). I'm talking about the physical plug. Yes, with IDE you would occasionally bend a pin and brick a disk. But the SATA plugs seem even more prone to physical damage. The slightese force that isn't perfectly straight into the plug and you break off the entire connector. I've broken at least 3 since they came out and only screwed up 1 IDE disks over the years since I first put together a computer.
And what's the point in the differant power outlet? 12VDC is 12VDC, right? They obviously aren't any thicker and if you need more pins with the same voltage just split it up after the connector.
22 Replies
Apr 23, 2009 at 4:18 UTC
Haven't had that issue, personally. I hated the first version because they would slip if you looked at them funny but they've added a little clip to it now so it's not too bad.
Yeah, the power thing is a mystery, but the cables overall are better and easier to manage inside the case (those huge ribbons were a pain).
Apr 23, 2009 at 4:21 UTC
I hate them too...I bricked a 160gb hard drive a couple months ago...glad it wasn't one of the Raptors I was moving at the same time!
I love the smaller cables with better performance, but they REALLY could have made the connectors better....
Apr 23, 2009 at 7:27 UTC
I too am a fan of the old IDE. Before rounded cables came out I used to cut my ribbon cables length wise with an exacto knife and electrical tape neatly so they routed better in the cases. So either way the smaller cables have no effect on me, at least for my personal computers. Most business towers by Hp or Dell have decent cable routing also.
I definitely feel like I am going to break SATA every time I touch it.
Apr 23, 2009 at 8:38 UTC
Never had a single problem.
Apr 24, 2009 at 1:28 UTC
With the first generation cables I make sure they're the last thing I plug in before I close the case because the damned things never seemed to feel like they're securely connected.
Apr 24, 2009 at 3:17 UTC
I love em and the only problem i have had is that a SATA power connector broke (cheap PSU) other than that they way better than IDE
Apr 24, 2009 at 7:14 UTC
I definately agree that SATA is better but after swapping out hundreds of them you start to get weary of how brittle they are (at least the first generation ones).
Apr 24, 2009 at 8:51 UTC
Seems like the interest in the quality of the connector is directly relate to the number of drive swaps. We don't do many - so we don't have problems.
Summer maintenance is coming up soon so in the process of cleaning/reconfiguring 250+ desktop units I may change my mind. Right now no a significant problem.
Apr 24, 2009 at 10:03 UTC
Never had any issue with them, sorry, don't feel the pain.
I hate IDE cables that don't have the fancy loop for removing them, i.e. most of them except server or workstation class. I have actually pulled the connector apart once or twice by pulling on the cable to remove the plug.
Apr 24, 2009 at 10:13 UTC
E.S.Technical Solutions is an IT service provider.
Besides the obvious boost in performance over IDE there is the huge GAIN with air flow. I agree that first generation SATA Cables needed some more refinement because I too would curse at the plug if the pc was bumped and the cable would come loose. Since the locking clip has become standard on all SATA cables this has improved the quality of the data connector. I too questioned the need for another Molex Power Connector, maybe this too was designed to streamline the amount of cables to the drive and allow for improved airflow. Working with Techs from many different organizations I've seen some funny stuff with IDE connectors because the technology really hasn't changed much over the years and the cable has always appeared to look the same, but when you crack open a case and find ATA66 cables on a ATA100 drive you scratch your head and say "well there's your problem". You don't get that type of fumbling mistake with SATA .... in the famous words of GEICO Insurance, SATA's "So easy even a cave man can do it"!
Apr 24, 2009 at 11:23 UTC
I gotta say I really like SATA, esp. w/locking cables---yeah, you have to be a bit more careful, but I can't even count how many times I've bloodied my knuckles pulling IDE cables that were practically welded to the drive---it's that last pull, when it finally comes free, and the back of my hand always finds the only sharp edge in the whole case! I've refined my "wiggling" technique over the years, but still...
Apr 24, 2009 at 11:40 UTC
Campbell Technology Consulting is an IT service provider.
Gotta love the electronics industry and these standards they come up with... the newer the standard (and the faster/better/more trillahertz) it seems the more flimsy the connector. SATA and HDMI both have small form factors that are very susceptible to breakage and have NO LOCKING CONNECTORS (by default).
"Hate ... those ... guys ..."
Apr 28, 2009 at 1:24 UTC
I used to work in the retail PC industry, where I saw lots of broken SATA psu connectors, I think about 2 broken connectors on the drives and one broken motherboard SATA connector. On the other hand, I've seen about 20 times more bent/broken/pushed in/pulled out IDE pins, cracked plastic surrounds, IDE cables broken off in the drive and those bloody power connectors that don't want to release...
Personally I've broken one SATA power connector, but it was a cheap PSU that had been working in a hot environment. So my thumbs up for SATA!
Apr 28, 2009 at 11:50 UTC
I like SATA, but never broken any. Though I have seen a couple broken ones. I would agree that they could make the connectors stronger.
Apr 28, 2009 at 1:28 UTC
Ditto on the Damn cheap connectors. I've broken two count them two!! Sems if you look at them wrong the connector will break. Newer ones are better. The one's I broke were the early ones. Like the performance though.
Apr 29, 2009 at 8:51 UTC
I'd say the issue arises more on the placement of the SATA connector on the motherboard. Some motherboard manufacturers are borderline retarded on t heir SATA placement where you have to be a japanese contortionist just to plug in your HDD
Apr 30, 2009 at 8:50 UTC
No issues here, unless the time I unplugged by mistake one of the plugs from my RAID5 array at home.
Funny thing is that I wanted to test my RAID5 config, I guess that did the trick :-D
Everything was fine.
Mar 12, 2013 at 3:17 UTC
Wow. Interesting information here. I went SATA years ago and will never go back to IDE. Although, those old IDEs were built to last compared to the cheap stuff that is coming out today.
EDIT: Life shouldn't have anything to do with the connector, but it is still an interesting point.
Mar 12, 2013 at 3:33 UTC
I never broke a SATA drive, never broke an IDE drive. You guys sound too hamfisted to me.
The reason for changing the power connector was so that it was standard connectors on all SATA drives, be it 3.5" or 2.5" they are identical. Unlike IDE where 2.5" had different plugs to 3.5" and required various adapters to use one in t'other. If it wasn't for standardisation you'd need to be mucking about with adapters and the like to use SSD in your desktop.
Mar 12, 2013 at 3:53 UTC
I broke one once, Extracted the piece, superglued it back on. Was very careful ever since.
Mar 12, 2013 at 4:10 UTC
What's with all of the ancient thread resurrections lately?
BTW the power connector is designed to allow hotswap, longer grounding pins.
Mar 12, 2013 at 4:34 UTC
What's with all of the ancient thread resurrections lately?
I think someone has too much time, or found the search feature.
This discussion has been inactive for over a year.
You may get a better answer to your question by starting a new discussion.


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Whole Healthy Living
Everyday wellness is a part of my family's household. All the products listed below are what I have in my cupboards and what we use on a daily basis to keep our immune systems strong. I have Immune Support supplements handy if I foresee an illness coming on or if we have succumbed to one. All of these suggestions can be purchased through Emerson Ecologics Virtual Dispensary.
- Adult Everyday Wellness
- Immune Support for Children
- Children's Everyday Wellness
- Natural Pharmacy Kit
- Teen Everyday Wellness
- Homepathic Kit
- Immune Support for Adults
Adult Everyday Wellness
- Pure Encaps 950 and ITI Clinical Nutrients multi vitamin and mineral
- Nordic Naturals Cod Liver Oil capsules or liquid
- Innate Flora 20-14 Probiotic or Probiotic Pearls
Children's Everyday Wellness
- Children's chewable multivitamin and mineral (the three best choices are: Pure Encaps Pedia Nutrients, and NF Formulas/Integrative Therapeutics, and Nordic Berries by Nordic Naturals)
- Nordic Natural DHA junior (children's cod liver oil)
- NF Formulas/Integrative Therapeutics Children's Probiotic Powder
Teen Everyday Wellness
- ITI Clinical Nutrients for teen boys and teen girls
- Nordic Natural Cod Liver Oil capsules or liquid
- Innate Flora 20-14 Probiotic or Probiotic Pearls
Immune Support for Adults & Teens
- Wise Woman Herbal's Phytobiotic Capsule or their Immunvir tincture
- Pure Encapsulations 1000mg vitamin C
- Wise Woman Herbal Throat Mist
- An appropriate homeopathic remedy
Immune Support for Children
- Chewable tablet – NF Formulas/Integrative Therapeutics Chewable Echinacea / Strawberry
- Wise Woman Herbal Throat Mist
- Wise Woman Herbal Children's Glycerite and Herbal Cough Elizers
Natural Pharmancy Kit
- Homeopathy 30c – belladonna, aconite, apis, spongia, arnica, podophyllum, gelsenium, arsenicum, nux vomica eupatorium perfoliatum, chamomilla, ferrum phosphoricum, calcarea carbonica, natrum muriatacum, hepar sulphur, sulphur, lycopodium, pulsatilla
- Wise Woman Herbal salve – I usually have the 2oz handy
- Boiron Arnica Cream
- Bach Flowers Rescue remedy
Boiron Homeofamily Kit
The ideal is to invest in Boiron homeopathics homeostarter kit/cd. It is a little pricey but lasts a long time and has a great deal of remedies. And the Boiron Homeotravel Kit is a convenient travel pack with homeopathic essentials such as arnica.


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Samsung is considered as one of the well known consumer electronics manufacturer. The latest products that they have introduced into the international market is an updated Series 9 Ultrabook, along with Series 7 all-in-one PC before the start of a New Year. Few years back, South Korean Giant launched one of its Ultra flat models having only 0.6 inch width. The series 9 laptops got popular for sleek design and superior performance.
Samsung Series 9 Specifications (2015 Model):
The Samsung Series 9 updated Ultra-book comes with a dimension of just 11.8mm thickness and weighs around 950g . It sports a 12.2″ screen with 2560x1600pixels and adaptive Display. The Series 9 Ultra-book is powered by an Intel Core M processor (5Y10c), dual-core which is clocked at 800MHz ±200MHz depending on the setting. The Turbo boost cores reach 2GHz. The laptop relies on the built-in Intel HD Graphics 5300 and packs 8GB of RAM.
This 2015 edition comes pre-installed with Windows 8.1 and supports 256GB SSD. Further on, battery life reaches an 12 hours, according to official numbers and has a Ultra Power Saving Mode which can be seen in Galaxy S5.
Samsung's latest offering will go on sale in the Samsung Electronics Store in Korea from December 29 to January 4.
Samsung Series 7 AiO Specifications:
Coming up with a unique model the Samsung Series 7 is the first curved PC, which sport a 27-inch curved screen with 1080p resolution that promises 300nits of brightness. Meanwhile, it can be used as a TV, with a tuner option in it.
Moreover, it has two 10W speakers which employs Dolby Home Theater sound and also features Bluetooth connectivity. However, the Series 7 is powered by an Intel Core i5 processor with 128GB of storage with 1TB HDD alongside 8GB of RAM. This PC runs on Microsoft Windows and it is said to have 1080p web camera which supports video calls above the screen.
Recommended: CES 2015 Complete Roundup: Expectations, Predictions, Rumors and More
Both these offerings Samsung Series 9 and Samsung Series 7 AiO will be showcased at CES 2015 in Las Vegas.
Stay tuned to GizBot for more updates!


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Everybody has a different opinion on this but what does you think of the classic, side parted slick hair on a guy? Think of men's hair from the 40's, 50's, even 60's (Don Draper-esque or Al Pacino in the Godfather)
Fortunately, aesthetically this style fits me very well, I've got pitch black hair and I get a lot of compliments especially from older women, many people even think I look like a mafia boss, but I'm just curious what more women think about this.
Most Helpful Girl
I actually love it. I love the clean, classic look.00|00|0


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Marsdens Cottage Holidays in North Devon offer a selection of top quality self catering cottages and apartments, ideal for group holidays. Whatever your requirements, we will be most happy to provide a variety of accommodation for you to choose from, with all properties furnished and maintained to a high standard. Please contact us using the enquiry form or the telephone number below. Alternatively, view our website for more choices.
Steeped in old-world charm and with a choice of three beautiful sandy beaches, Croyde is the ideal place for a relaxing summer retreat or a fun filled surf break. Perfect for families with young children, couples or groups, we have accommodation to suit every taste and budget. Barnstaple and Braunton also offer fantastic facilities and attractions and with properties throughout the region you're never far from something to interest all guests.
Choose from a wide selection of properties all maintained to high standard. All of our self catering accommodation comprise of fully equipped kitchens with fridge, dishwasher, oven, microwave & washing machine. Lounge areas with television, freeview & DVD player. Some of the bedrooms offer en suite shower rooms. Bed linen is provided.
Car parking is available at all of our properties. Wi Fi broadband is available at the majority of our holiday cottages & apartments. Some properties are pet-friendly and many have cots, high chairs and stairgates to suit families with young children.
Short breaks are available, visit our main website for further information. Arrival/Departure for weekly bookings is Saturday. 3pm arrival time.


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Compare the mortgages offered by Freedom Mortgage
Freedom Mortgage Corporation has been helping Americans realize their home ownership dreams for 25 years. Established in 1990, this full-service lender has helped borrowers across the US buy new homes and refinance their existing loans. Based in Mount Laurel, NJ, Freedom Mortgage provides a streamlined borrowing process backed by professional customer service.
In 2014, Freedom Mortgage was named as a 'Top 10 Residential Lender' by Inside Mortgage Finance.
Who is Freedom Mortgage and what do they do?
Freedom Mortgage boasts an A+ rating with the Better Business Bureau and makes it possible for customers to apply online for a loan within minutes. Specializing in residential home loans, Freedom Mortgage offers mortgages for first-time buyers, those upgrading to their next home, and customers who are looking to refinance an existing mortgage.
Freedom Mortgage has teams of licensed loan officers to help make the mortgage application process run smoothly and to ensure that you choose the right loan for your needs. It offers a choice of fixed rate and adjustable rate mortgages as well as a range of online calculators and resources to help you understand your borrowing requirements.
Home loans offered by Freedom Mortgage
Conventional Loan
If you have a good credit rating and the cash to make a down payment, this loan is designed with you in mind. A Freedom Mortgage Conventional Loan usually requires a higher down payment than other Freedom Mortgage loan options, but this means the loan is available with a lower interest rate. Available in fixed rate or adjustable rate form, the Conventional Loan offers a streamlined application process when compared with government-backed loans. This loan is suitable if you want to refinance an existing loan and gain access to cash out.
FHA Loan
The FHA Loan is designed for borrowers who might not have a perfect credit rating or who can only afford a low down payment on their loan. Insured by the US Government's Federal Housing Administration (FHA), this mortgage helps people own homes by allowing lower down payments (as low as 3.5%), providing lower closing costs and making it easier to qualify for credit. Available with a fixed or adjustable rate, the FHA loan is also suitable for borrowers looking to refinance, whether they want to lock in a lower interest rate or gain access to cash.
VA Loan
This type of mortgage is guaranteed by the US Department of Veterans Affairs. It does not require you to make any down payment as long as the sale price of the property doesn't exceed its appraised value. It's available with a fixed or adjustable interest rate. It also offers other benefits for active members of the military, veterans and their surviving spouses, including no penalties for loan pre-payment. If you're looking to refinance to either find a lower interest rate or gain access to cash, this loan is available for both purposes.
Pros and cons of Freedom Mortgage home loans
- Loans for all types of borrowers. From conventional mortgages to loans designed for those in the military or those who don't have a perfect credit rating, Freedom Mortgage aims to make it easy for a wide range of people to become homeowners.
- Refinancing options. If you want a lower interest rate or you need cash to manage day-to-day expenses, Freedom Mortgage offers loan refinancing options to suit your needs.
- Fast application process. You can quickly and easily apply for a Freedom Mortgage Conventional Loan online.
- Branch access. Freedom Mortgage has retail locations in more than 15 states. If you prefer to manage your home loan face to face, you'll need to check whether there is a location close to you before you take out a loan.
How to apply for Freedom Mortgage home loans
If you've compared your options and you'd like to apply for a home loan from Freedom Mortgage, click the link on this page to be securely redirected to the lender's website.
Whether you're purchasing a property or refinancing a loan, you can begin the application process online by clicking 'Apply Now' and providing:
- Your name
- The state where you want to buy property
- Your email and your phone number
You'll also need to keep in mind that special eligibility requirements apply to different types of loans, including a minimum down payment limit and ties to the military if you apply for a VA Loan.
Documents needed to apply for a Freedom Mortgage Home Loan
You'll need to provide personal and financial information along with your loan application including:
- Your name, date of birth, and Social Security Number
- The addresses of where you have lived for the past two years
- Employer names and contact information for the past two years
- Your most recent pay stubs
- W-2 forms for the past two years (or 1099s)
- Your federal tax returns for the last two years
- Evidence of any other income, such as rental income or alimony
- Self-employed borrowers will need to provide two years of personal and business tax returns as well as a year-to-date profit and loss statement with balance sheet
- Details of your assets and debts
- Any other relevant information about your credit history
Freedom Mortgage offers borrowing and refinancing options to suit a wide range of customers, so compare its home loans with those from other mortgage providers today.
Frequently asked questions
What is a jumbo loan?
A jumbo loan is a mortgage that is larger than the limits published by the Federal Housing Finance Authority (FHFA). You will have to pay an interest rate of over 20% and will most likely pay a higher interest rate than on a typical loan. . .
To learn more about loan options, call Freedom Mortgage.
What is an escrow account?
It is an account,established to pay your real estate taxes, hazard insurance, and mortgage insurance. Part of your total monthly mortgage payment will be used to fund the escrow account.
How should I prepare for closing?
You can start by making sure you have all the required documents which include:
- Government-issued photo ID for borrower and co-borrower
- Cash necessary for closing costs (typically a cashier's check; not a personal check)
- Binder for homeowners' insurance, paid receipt, and any other documents you will need to keep.
There will probably be other items as well. You should also avoid opening a new credit card account, buying a car, or making any other large purchase prior to closing, as to not have any drastic changes in your financial profile.
What is an FHA streamline refinance?
Borrowers who already have an FHA loan and would like to lower their monthly payments should consider applying for an FHA streamline refinance.


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Used SAO for sale in Moffat
We currently have 0 used SAO cars available in Moffat. With the widest range of private and trade SAO cars available in Moffat, you have access to the biggest choice and the best prices.
Feel free to browse our selected vehicles, further refine your search, and find your perfect car.
Latest second hand SAO cars for sale in Moffat
Sorry, it looks like we have no used SAO cars available in Moffat
However we currently have: 430,290 Used cars available nationwide


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"Very annoyed"
About: William Harvey Hospital William Harvey Hospital Ashford TN24 0LZ
Posted by Rebecca everest
I am not happy with the fact my step son has an oporation at the hospital today and you are telling his dad his not aloud in the room with him when he gets put to sleep because the mum is the "main parent" this is a disgrace and if not sorted I will be taking it further! Both parents are the main parents not just the mum!
Response from Sally Smith, Chief Nurse and Director Of Quality, East Kent Hospitals University NHS Foundation Trust 2 years ago
Dear Rebecca, I am so sorry to hear of this. I will ask Matron Vivienne Millbank to contact you on the ward. Please accept my apologies for this.
- {{helpful}} of {{total()}} people think this response is helpful
- Was this response helpful? Yes | No
Thank you for your feedback.
See more responses from Sally Smith


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During the mid- Victorian period, Clock Cottage was once owned by the local clock maker Mr Higgings. Now, however, this traditional brick and flint property on the end of a row of terraces, provides comfortable accommodation for holidaymakers looking to explore the charming Norfolk countryside.
The interior of Clock Cottage consists of a spacious kitchen and dining area, with 2 steps up to a living room. There is also a utility room with a toilet and wash basin.
The kitchen is fully- equipped with many appliances, including an electric hob, oven, microwave, fridge/freezer, dishwasher and washing machine. In the living room there is a wood- burning stove, as well as entertainment systems such as a TV, DVD player and CD player. In the garden room there is an additional TV, radio, ipod docking station and doors leading outside into the garden.
Clock Cottage has 3 bedrooms: there is a double bedroom with a 5' bed, another double bedroom with 4'6" bed, and finally a small twin bedroom with two 3' beds. The bathroom has a shower room with wc.
To the rear of the cottage, there is a small private patio area with outdoor furniture and a barbecue.
Strictly no smoking, and no pets allowed. Children must be over 3 years old.
A short 10 minute drive away is Fakenham, a market town with an excellent variety of pubs, restaurants and shops. There is a popular market every Thursday, and regular auctions. Also nearby is Wells, where you can find beautiful sandy beaches. For the more adventurous of guests, at Holkham Hall you can find Norfolk Adventure, who offer activities such as kayaking, water zorbing, rowing, canoeing and boat tours.


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This luxury hotel in Mumbai is the favourite hotspot of Bollywood celebrities and business travellers. The hotel interiors are elegantly designed and well furnished, providing for a comfortable stay. The hotel is among the area's most luxurious locations for meetings, weddings, events and receptions. Facilities at this air-conditioned establishment include a lobby, 24-hour reception and check-out service, hotel safe, currency exchange facilities, a hairdressing salon, bar, restaurant and conference facilities. Internet access, room service and laundry service are also on offer.
The hotel is located on Juhu Beach, overlooking the scenic waters of the Arabian Sea and in close proximity to various shopping complexes, business centres and other tourist spots. The hotel is just 20 minutes from Mumbai's domestic and international airports.
The hotel provides well-appointed, fully furnished and elegantly designed guest rooms with breathtaking views of the Arabian Sea. Rooms are complete with all modern amenities like flat-screen TVs with international cable and satellite programming, a telephone, fresh fruits and complimentary tea and coffee making facilities. Internet access, a safe, minibar, washing machine and ironing set also feature. The en suite bathroom has a shower and bath.
The hotel has an outdoor swimming pool.
Room Facilities:
Direct dial telephone
Satellite cable TV
Internet access
Mini fridge
Tea Coffee
Washing machine
Iron and board
Double bed
Individual airconditioned
Individual heating


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- "You'll not infect me with your Devilry! I am here to defend Nature, and I'll do so at any cost! Now, begone!"
- ―Hroldar to the Nerevarine[src]
Hroldar the Strange is a Nord barbarian who is guarding the entrance of the mine in the settlement of Raven Rock.
A Blocked DoorEdit
Carnius Magius has requested the Nerevarine to check on Falco Galenus at the site, since there is apparently some sort of problem. Falco tells the Nerevarine that Hroldar is blocking the door. The Nerevarine has two options: either beat Hroldar in hand-to-hand combat not killing him, or killing him. If the Nerevarine kills Hroldar they cannot side with Falco later on, but if they leave him alive they can still choose any side. Either option will complete the quest.
Stop the MessengerEdit
The task is to eliminate a messenger sent from the colony, but they must make it appear that wolves overtook the man. They are to follow Hroldar out into the wilderness, then lure the man to the location.
- Falco says Hroldar was kicked out his group, though he doesn't blame them.
- Hroldar dies with a blast of red smoke, identical to the werewolf transformation spell.


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I just stumbled on this while I was looking for something else, and was reading the comments.
Dear God I miss Blah so much. It sears my heart every time.
So yesterday was exhausting but I tried to catch up with blogs in the evening. I was on the TV set for 10 hours and I was mostly naked and it was very cold. Overall it was a positive experience though and the positives definitely far outweighed the negatives and I spent most of the day pretending to eat someone's muff. I can't go into any more details due to the non-disclosure agreement, but it was for a show that airs on the BBC so it's not porn or anything (sadly lol – I did meet a porn actor but he only did gay porn so had no advice about which straight/lesbian studios were any good).
Then this morning I overslept bigtime and my Dearest was left to make his own way to school. And my phone had 2 missed calls/ 2 messages so I phoned back and it was…
View original post 579 more words


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- Yup we notice22%(2)15%(4)Vote12%(2)
- Nah we really couldn't care less78%(7)85%(22)Vote88%(15)
Most Helpful Guy
I think that the most important things about a girl's clothes are that they are neat, clean, and high enough quality for the occasion.
Neat: If your clothes fit your body style and personal style well.
Clean: If your clothes don't show the residues of today's lunch, and they are ironed properly.
High Enough Quality for the Occasion: The brand name doesn't matter, as long as the clothes are appropriate to whatever occasion you are in. I know girls that can pull off looking like stunners in $8 outfits from the thrift shop that are carefully selected and put together well, and I know girls that look like ass in their latest tacky $700 purchase from Nordstrom's.11|00|0


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MRes Advanced Quantitative MethodsFind a programme
New programme for 2017
|Awards available
|Programme length
|One year full-time
|Location of programme
|Clifton campus
|Part-time study available
|No, full-time only
|Open to international students
|Start date
|September 2017
Programme overview
This new and distinctive MRes aims to develop a systematic understanding and critical appreciation of alternative approaches, methodologies and paradigms of social science research. It will develop fully trained and competent social science researchers, who are able to understand and use research techniques appropriate to their subject area as well as being conversant with approaches used by other social scientists.
The programme has a substantial theoretical and quantitative core but also delivers complementary qualitative training. This will provide an essential foundation for any working researcher, whether they are going on to do a PhD or otherwise engaged in research. The training will enable students to think through how they can use their knowledge and skills of advanced quantitative methods in different contexts and apply them to a variety of problems; and, progressively, to identify their own needs for training.
The MRes joins a suite of interdisciplinary training programmes that are part of the Economics and Social Research Council South West Doctoral Training Partnership. It is a joint initiative between the Universities of Bath, Bristol and Exeter. The course is delivered collaboratively; each semester one core unit is taught intensively, with time spent at each location. This collaborative delivery means that the expertise of academics at each institution can be made available to students from all three universities, enhancing the training capacity of each.
Fees for 2017/18
Full-time fees
- £4,185
- Overseas
- £15,500
Fees quoted are per annum and subject to annual increase.
Alumni scholarship
University of Bristol students and graduates can benefit from a ten per cent reduction in tuition fees for postgraduate study. Check your eligibility for an alumni scholarship.
Funding for 2017/18
The Faculty of Social Sciences and Law has an allocation of 1+3 and +3 ESRC scholarships, please see www.swdtp.ac.uk for more information
Further information on funding for prospective UK, EU and international postgraduate students.
Programme structure
1. Research Design Methods and Skills (15 credits, mandatory): delivered over intensive sessions at each institution (Bath, Bristol, Exeter).
The main topics to be covered include: ontology and epistemology in social research; varieties of approaches to research design from different backgrounds; question design and formulation; criteria for evaluating research and strategies to enhance research quality; critical evaluation of different methodologies; preparing research proposals and communicating research.
2. Mathematics and Programming Skills for Social Scientists (15 credits, mandatory): delivered over intensive sessions at each institution.
The main topics covered are programming statistical and graphical techniques using R; dynamic programming and coding using Python; multi-level modelling theory and application using MLwiN.
3. Introduction to Qualitative Research in the Social Sciences (20 credits, mandatory): delivered at the home institution.
This unit aims to provide a philosophical appreciation of the underpinnings of qualitative research methods, to develop a critical understanding of the potential of various qualitative methodologies and key epistemological and methodological problems raised in qualitative methodologies.
4. Optional units
An appropriate range of optional units is provided at each institution to ensure students can take a full suite at their home institution should they wish to. Optional units may include substantive subject units of interest, or further methods units. At Bristol these may include: Big Data and Society; Spatial Data Analysis; Spatial Regression Modelling and GIS in R; and Explanation, Causation and Longitudinal Analysis. Students can also take options from across the Faculty of Social Sciences and Law, or from Bath and Exeter, subject to timetabling constraints.
5. Dissertation (60 credits, mandatory): An extended research project of between 10,000 and 15,000 words.
Entry requirements
Upper second-class degree (or equivalent) with substantive quantitative elements. Substantive is normally considered as at least 60 credits plus a quantitative dissertation.
See international equivalent qualifications on the International Office website.
|Application method
|Online application form
|English language requirements
Profile B
Further information about English language requirements
|Admissions statement
|Read the programme admissions statement for important information on entry requirements, the application process and supporting documents required.
This programme provides outstanding academic and research training for prospective PhD students and can lead to careers in data and quantitative research.
The closing date for studentship applications is midday on 2 February 2017.
International students
Find out more about becoming a student at Bristol, and the support we offer to international students.
REF 2014 results
- 51% of research is world-leading (4 star)
- 33% of research is internationally excellent (3 star)
- 14% of research is recognised internationally (2 star)
- 2% of research is recognised nationally (1 star)
Results are from the most recent UK-wide assessment of research quality, conducted by HEFCE. More about REF 2014 results.
Open days and visits
Find out more about opportunities to visit Bristol.
Get in touch
Postgraduate Student Administrator Phone: +44 (0) 117 3317328 Email: email@example.com
Dr David Manley Programme Director Phone: +44 (0) 117 928 8305 Email: email@example.com
School of Geographical Sciences
University of Bristol
University Road
Bristol BS8 1SS
United Kingdom http://www.bristol.ac.uk/geography/
Important disclaimer information about our programmes.


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8/22/20178th Annual Business and Nonprofits Together Luau
8/23/2017Fundraising: Everybody's Business
8/24/2017Fundraising: Everybody's Business
8/31/2017Board Recruiting & Onboarding (Georgetown)
9/12/2017Board Excellence (Wilmington)
Claudia Peña Porretti, J.D., CFRE
Executive Vice President, Latin American Community Center
Source: 2014 Board Nomination Memo
Claudia Peña Porretti, J.D., CFRE was recently the Executive Director of La Esperanza, Inc. in Georgetown, Delaware. Prior to this role, she was the Director of Development for People's Place in Milford, Delaware, and the Executive Director of the American Civil Liberties Union (ACLU) of Indiana.
While living in the Midwest, she worked as a development director for various nonprofit organizations, was a board member and chair for several Indianapolis nonprofit organizations, and was an Advisory Board Member for Indiana Nonprofits.
Originally from Connecticut, Claudia holds a J.D. from Indiana University Robert H. McKinney School of Law and a B.S. in Business Administration from Indiana Institute of Technology. She has also attained the designation of Certified Fund Raising Executive (CFRE) and has studied at The Fund Raising School at Indiana University's The Center on Philanthropy.
Claudia is a member of CFRE International, the Association of Fundraising Professionals-Brandywine Chapter, and the Delaware Hispanic Commission. She was also a former Cabinet Committee Member for the United Way of Delaware and was named one of Delaware Today magazine's Top Women in Business in 2013.
100 W. 10th Street Suite 1012, Wilmington, DE 19801Phone: 302.777.5500Fax: 302.777.5386Email Us »


text: What I love about our USA national parks, is that each of them is different in their own regard. Some are in the high desert, some are forests, and others may be made up of multiple waterways. Zion National Park doesn't disappoint with it's narrow slot canyons, steep cliffs, and brilliant pink and red colors contrasted by a unique array of brilliant green plants and flora. Hiking in Zion National Park can be summed up in one word: epic.


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Ps I Love You
December 12, 2010 by Post Team
Ps I Love You, From time to time you hear of a band having disputes with its founder or most important player – the core group – and decide to build without him or her in the fold. Paul Saulnier is in the fortunate position almost certainly never have to endure such an ordeal with PS I love you because its very name inevitably brings its creator. In nod to his initials, so tongue-in-cheek, Saulnier said: "If it was going to be something experimental pop indulgence I do, it should be named after me." Guitarist / singer speak with a quiet humility – a notion that is inconsistent with the enthusiasm of sparkling PSILY.
Started in 2005, it did not take too long to spend PSILY show the namesake of a man in a duet because, as Saulnier said: "My performances have been solo has always been disastrous." Adding Benjamin Nelson on drums indie rock expanded Saulnier, and brain of the band will not close the door to a third member next day. "I do not think I'm a musician difficult to work with, but I'm really especially the way I want a group sound. Benjamin kind of events, like magic, "he said." It worked so well that I did not want to return it to be just myself. "
Swing Kingston, Ontario, Canada-based duo between vigorous, energetic and playful collapse forward into the heart-sinking misery. In both cases, a sense of vulnerability remains. PSILY debut LP, "Meet Me at the Muster Station, bears the fingerprints of the 80 post-punk and indie rock of the 90s, referring to The Chameleons, Built to Spill, and Life, The Thermals' latest stab despair.
Saulnier invests a lot of gray matter in the realization of hooks swimming around his head. "This may seem a bit flaky, but when I write a song, I sort of imagine how I want it to sound on a record or [in] a real context. It's almost like when you get a song pop radio stuck in your head, "he explains." It's almost like writing psychic: He gets stuck in my head and I gotta happen in real life or I'll go crazy. "
There is an interesting juxtaposition between two important elements: The music is tense and executed with confidence, but the desperate voice Saulnier does not retain its strength. Instead, he wears a DIY feel unrefined and revealing. "I probably do not put enough thought and effort into my voice. I do my best to sing on key. I've never really been a good singer," he said. "The only way I can convince me to start singing is not to give a kiss and just do it. I'm channeling something more pure expression of emotion or mental, not so much express or even music. "
The concept of emotional honesty appears again as the guitarist looks at what he wants his group to eventually achieve. "There is this feeling somewhere between loves or being in a dream, like all your emotions at once. It's not overwhelming. You're just really open and in the moment. That's the kind of what I'm after, "said Saulnier."It becomes less about the particular words the feeling when they are mixed together [with music]. When we play live, the guitar is hard, but I think it's not hurting you. It is more just go inside of you. Fortunately, it can arouse a feeling that you forgot. "
Please feel free to send if you have any questions regarding this post , you can contact on
Disclaimer: The views expressed on this site are that of the authors and not necessarily that of U.S.S.POST.


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Members of the press are welcome to contact Alice Piterova if you would like to talk to one of the Big Innovation Centre team. Our experts are happy to provide media interviews, comment, analysis or background briefings in the areas of our research on: Intellectual Property; Finance; Business strategy; Universities; Big data; and Health, For all the latest news follow us on Twitter.
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4th September 2016
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Question: What are the major classes of ratio analysis What can
What are the major classes of ratio analysis? What can we learn from each class?
View Solution:
View Solution:
Answer to relevant QuestionsWhat are the major sources of financing for the federal government, state and local governments, the health sector, and the not- for- profit sector?What are some negative consequences of unrealistic budget expectations? What are some potential problems with ratios?Exhibits 15-12 and 15-13 present the statements of financial position and statements of activities for the Disabled American Veterans (DAV) Charitable Service Trust. For both 2007 and 2006, calculate: a. Common size ratios ...Do traditional solvency ratios adequately address financial condition analysis concerns?
Post your question


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Now and then I am seized with uncontrollable laughter over things that shouldn't be that funny. When this happens, it is usually attributable in some way to John Scalzi. Notably, I read this tweet today:
I have reason to believe this person feels less than totally positively about me. The subtle clues are there. http://t.co/bQ4FeAFjZ0— John Scalzi (@scalzi) December 29, 2013
So I clicked on the link, which you can do yourself, but in case you're tired of clicking, I've provided a screenshot.
I don't know why this kind of thing is so frakking funny to me. Perhaps I just haven't grown up yet (and do not plan to do so, if I am able to avoid it).


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I love taking a well-loved beaten piece of furniture and turn it into something sort of fabulous. My desk in the home office was transformed a very long time ago (almost a year now) so this post is way way overdue! My office is still… Read More
All posts tagged "diy projects"
Isn't just painful that you spend so much money on fresh flowers and they barely last for a week? I don't care where you get your blooms; we all face the same problem. Once they begin to wilt, the water starts to smell like mildew… Read More
LZM Home: DIY Wallpaper (Living Room)
Before continue scrolling down, I highly recommend that you first read this previous post, The Graham & Brown Decision, as this one is a continuation of that. So my Graham & Brown Decision was the Desire Gold-Mustard wallpaper and I couldn't be happier! It just… Read More
The Graham & Brown Decision
Although at times our home renovation process feels overwhelming, hopeless, and never-ending; there is light at the end of the tunnel! After a long and excruciating 6 month work on the exterior, it's going to be completed by the end of next week. We've had… Read More
DIY: Tea Space
Our home renovation is going s l o w l yyyyy, but who can blame us? We have a 5 month old infant and a toddler who's as energetic as ever. There's literally no time in the day for any type of extracurricular activities whatsoever. Kids… Read More
Inspirational Dining Rooms
It's been way too long since I've written an inspirational decor post. Our dining room makeover is basically complete! If you knew me, you probably wouldn't be surprised that there are a couple of diy projects and the main color scheme is – white. Nope,… Read More
I've been lacking so much sleep, it's insane. Axel's been waking up every 1.5-2 hrs at night. Each time he brutally wakes me up, I swear I would nap during the day to make up for the lost sleep. However, when morning comes I'm as… Read More
Nightstand Makeover
I've always had a thing for thrifted items, particularly furniture pieces. You never know what gems you'll find. Yes, it takes a little work to turn these loved treasures into something spectacular but it's well worth the effort. Seven months ago, we bought a pair… Read More
Are you an aspiring fashion designer but don't know where to start? You are going to LOVE this… ShopRagHouse, a new and upcoming fashion site, believes that anyone can be a designer and wants to empower women to try their hand at design. So whether you… Read More
Want to create a space that's instantly whimsical and full of life? Just add pom-poms! I can't think of a more inexpensive decor than these paper floral balls. Here are a few ideas, round-up from my Pinterest boards. Click on image for source. This is… Read More
FREE Initial Nursery Prints!
I recently stumbled on this site called OnToBaby and saw the cutest nursery prints. The best thing about it? It's absolutely FREE!! All you need are some paper and a color printer to create these adorable initial nursery prints. I made one for Zoey (green for… Read More
DIY Gold Chevron Vase
It's known to mankind (aka the husband) that I hoard unnecessary random objects. To me they are absolutely NOT unnecessary. My motto has always been "You NEVER know when you might need them!" and I'm still standing behind this ideology. In our relationship, I'm ALWAYS… Read More
DIY Cherry Blossom Sugar Scrub
Ever since I discovered how to make body sugar scrub, I've been fairly obsessed. No more splurging on fancy scrubs when I can make them myself. And I'll tell you, I've made some fabulously fancy scrubs. I mean, my body DESERVES them! Not only that,… Read More
The Story Behind The Header
Hello fellow readers/bloggers! Hope everyone is doing well. You've probably noticed that LZM has a new header image. I've actually changed it a couple of times since I've started LZM 14 mths ago. It has always been a challenge to create a header that's reflective… Read More
DIY Photobooth Room
My sister's wedding was full of DIY's. One of the most unique ones was the Photobooth Room. Frames were created by the Bride&Groom and implemented by us. My sister's fiance (at the time) cut out a polaroid frame using a Styrofoam board. Due to its… Read More
PARIS, A Gift!
I think that one of the most rewarding things in life is being able to shower your loved ones with gifts. I'm not talking materialistic things here but rather gifts that would last in memory for a lifetime. Perhaps like giving a trip to Paris?… Read More
Organizing with Tiffany
I ADORE Tiffany. Maybe a bit too much. In fact, if you knew who Tiffany was, you'd like her too. Lately, I've been on a spring cleaning rampage and Tiffany did me GOOD! She helped me get totally organized. But that's not all, she got… Read More
DIY 2 Tier Cake Stands
Ever since I discovered how to make dessert/jewelry stands (as seen in this post) on a dime, I've been a little obsessed with them. Then comes my sister's wedding… It was just the perfect opportunity for me utilize my DIY cake stand-making skillzzz. This 2… Read More
The Bride
So many pictures to sift through…where to even begin? I think starting with The Bride seems to make the most sense. Here are some images of my sister as she was getting ready. Gorgeous and classy but yet so spunky (wait 'til you see her… Read More
Wedding Sneak Peek!
We had an amazing time at my sister's wedding! The night was like a roller coaster, lots of emotional moments filled with tears and many laugh-worthy highlights. We worked so hard to pull everything together – up to the very last second. I was running… Read More


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Moderator : Rev Peter Gerbrandy-Baird
Clerk : Rev Dr. Iain Greenshields
No Events
Around the Presbytery
The Moderators Challenge
Mrs Margaret Mateos, moderator of the Presbytery of Dunfermline, is very grateful to Rev Norman Grant of Limekilns and Cairneyhill Parish Church for taking her place in this challenge which involved a cycle round Loch Leven. She has provided some photos of the event. The first two slides are the...
Rev. Dr. Jean Kirkwood Inducted and Ordained
On Friday 27th November Townhill Church was packed full to see the Reverend Dr. Jean Kirkwood inducted and ordained as minister of Townhill and Kingseat Church.


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Kawaguchi is a city in Saitama Prefecture, Japan. The city was founded on April 1, 1933.
As of March 1, 2012, the city has an estimated population of 579,069, the second largest in Saitama Prefecture after Saitama. The total area is 61.97 km². On October 11, 2011, Kawaguchi City absorbed the neighboring city of Hatogaya.
External links
- Kawaguchi, Saitama on Wikipedia


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3 Best Things to Eat and Drink This Week in Metro Phoenix
Stock up on local goods at Sphinx Date Co.'s open house this week.
Sphinx Date Co.
Date Night at Sphinx Date Company
Thursday, October 15
Fall harvests are taking place across Arizona, and Sphinx Date Co. is gearing up to let locals in on a taste of the action. From 5 to 7 p.m. Thursday, Sphinx Date Co. will host an open house at its shop, Palm & Pantry, where guests will have the opportunity to purchase fresh, Arcadia-grown Sphinx Dates ($11.25 per pound), and Khandrawy ($7.50 per pound) and Medjool dates ($9.25 per pound) from Yuma. Additionally, guests will be able to join in tastings of local wine, food, and craft beer. No RSVP is required. For additional details, visit the event on Facebook.
This year's MDA Taste of the Town benefit dinner will take place at Scottsdale Quarter.
Scottsdale Quarter / Facebook
Muscular Dystrophy Association's 15th Annual Taste of the Town
Friday, October 16
On Friday evening, Scottsdale Quarter will play host to the Muscular Dystrophy Association's 15th Annual Taste of the Town. From 6:30 to 9:30 p.m., attendees will have the opportunity to sample food from more than 20 of the Valley's best chefs, including those from Capital Grille and Brio Tuscan Grille, as well as beverages from Barefoot Wine, Roxx Vodka, and others. In addition, the Drinks with Dazzle raffle will allow guests to donate to MDA with a purchase of a $65 bottle of wine. Tickets cost $65 until October 15 and $85 thereafter. Tickets can be purchased online, where additional information about Taste of the Town also can be found.
Start your day with a taste of fall at Original Breakfast House.
Joanie Simon
Pumpkin Pancakes at Original Breakfast House
All week long
Despite the saturation of pumpkin-flavored everything, there are still a few foods we think warrant the addition of pumpkin and spice. Original Breakfast House's pumpkin pecan pancakes ($8.95) are here, and we think they taste almost as good as pumpkin pie. Get them everyday this fall at Original Breakfast House in Scottsdale.
Related Location
15279 N. Scottsdale Rd.
Scottsdale, AZ 85260
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Ultrasone Debuts New Edition 10 Headphones
Ultrasone Inc. has released the Edition 10, its first open back special edition headphone that you can't afford – no we're serious, these pups are $3000. The long awaited (who is actually waiting to spend $3000 bucks for headphones? Who?? —Ed.) open back Edition 10 headphone boasts Zebrano wood ear cup inlays, Ethiopian sheepskin leather ear cup pads, Titanium plated drivers, Kevlar coated cables and a ray gun (sorry, no ray gun, that was us…). Only 2010 Edition 10 headphones will be produced, each one will be embossed with its own serial number.
The Edition 10's ear cups feature high levels of air permeability through the grills, high specific torsion strength and extremely low resonance, all in a lightweight design. The outer ear cup is finished with galvanic Ruthenium plating and with a Zebrano wood inlay, which is coated with eight layers of clear lacquer for protection. The Edition 10's inner ear cup, as well as the head-pad, is adorned with reddish brown Ethiopian sheepskin. This type of leather is known for being the most supple leather available, achieving the maximum level of comfort and sound isolation.
The drivers selected for the Edition 10 have been specially tuned for open back headphones. The Titanium-plated 40mm drivers have been designed with a 10% more powerful magnet for enhanced sound pressure levels. Each set of drivers have been individually paired with a tolerance of +/- 0.4. Attention to detail can be seen at every level with the Edition 10s and the cable is no exception. Ultrasone has incorporated silver-plated OFC 99.99% pure copper wires and utilized Kevlar as the casing, achieving increased current flow, improved flexibility and lower overall weight. In addition, the Edition 10 is designed to be balanced input ready, so
rich guys who want to impress their other rich friends audiophiles who wish to implement a balanced cable configuration do not have to change the entire wire, rather connect XLR connectors instead of the 6.3mm connector.
Ultrasone's latest headphones employ S-Logic Plus technology, resulting in an impartial acoustic feeling that affords the listener the utmost spacious tonal perception. This gives users the advantage of wearing Ultrasone headphones for many hours without their ears hurting. Ultrasone's newest headphones also contain MU-Metal shielding (ULE technology) that reduce the amount of radiation directed to the listener by up to 98%, as compared to conventional headphones. Each Edition 10 headphone comes with a hand crafted Zebrano wood headphone stand and is housed in its own wooden box for safe storage and transportation.
» Open-back deluxe headphones with reduced emissions using the ULE standard (Ultra Low Emission) and S-Logic Plus technology
» S-Logic Plus technology
» Dynamic principle, open
» Frequency range: 5 – 45000 Hz
» Impedance 32 Ohm
» Sound pressure level 99 dB
» MU Metal bufferboard,
» Reduced field emissions in accordance with ULE standard
» 40 mm titanium-plated driver
» Magnet NdFeB
» Weight 282g (excl. cord)
» Cord length: 3m
» Aramid fiber enhanced
» Silver plated high-flex cable
» (OFC 99.99 % pure copper)
» 6.3 mm gold plated plug
These headphones are quite gorgeous, but three-thounsand bucks for headphones? In this economy? Really??
Ultrasone's Edition 10 headphones cost a whopping $2,749 and will be available a shortly. More information on the Ultrasone Edition 10.


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Why online advertising may not be the best solution for small and home businesses. At the Jupiter Communications Online Advertising conference Aug. 18, 1999, Scott Heiferman, CEO of i-traffic, an online direct marketing agency, asked Haven't people learned to tune out banners? He went on to say the banners suck for most marketers, and challenged marketers to offer suggestions for alternatives to banner advertising at a web site specially set up to gather marketers' thoughts. (See the end of this article for a link to that web site.)
 But, do banners really suck? Are they as ineffectual as Heiferman claims? Are they any less effective than last year? And is using banner advertising a wise idea for small businesses like yours? Here's what we found out in a recent survey of small business owners conducted here at our BusinessKnowHow.com web site.
 The good news (at least for those who use banners to advertise and those who rely on banner advertising revenue to help support sites) is that slightly over one-third of the small and homebased business owners who took our survey listed banner ads as one of the methods they use to find web sites. Additionally, our survey showed that banners ranked about the same this year as they did in a similar survey we conducted last year.
 The bad news (you new that was coming, right) is that banner advertising isn't the best way to get attention from small and home businesses. In fact, it only ranked sixth out of nine possible choices. How SOHO businesses use the web The survey asked visitors to the Business Know-How web site to indicate how they use the web and what was most likely to get them to visit a web site. Results from 107 respondents who completed our multiple choice survey show the top five uses of the web for SOHO businesses are:

 email 93%
 research 88%
 finding suppliers 65%
 attracting customers 50%
 getting customer support 50%
 placing orders for supplies 36%

 Interestingly while 65% of our respondents use the web to find suppliers, only 36% actually order supplies over the Internet.
 How SOHO businesses find web sites According to our results small and home business owners most often find web sites as a result of searches, text links and referrals. Although 35.5 percent did say banners helped them find web sites of interest, ads on radio and TV and links in lists of links on web pages were slightly more effective than banner ads at getting them to visit a web site. Least effective to our visitors were ads appearing on editorial content pages they read.
 The actual percentages were as follows:

 Searches 68%
 Text link 61%
 Referral 53%
 Ad on TV or radio 39%
 Link in a list of links 36.4%
 Banner advertisement 35.5%
 Newsgroup 29%
 Product review 26%
 Ad on edtorial page 19%

 The bottom line? Our survey was taken by a relatively small number of SOHO business owners who happened to find it on our web site. For statistical accuracy, a formal survey addressing a broader, random audience would need to be conducted. However, based on the experience of the 107 individuals who took our survey, approximately 1/3 of SOHO businesses do find their way to web sites as a result of banners ads they have seen. Thus, it would appear that businesses that can afford major advertising campaigns reaching millions of people may, indeed, benefit from banner advertising. Small businesses with limited funds for advertising may do better, however, to focus their efforts on finding ways to get text links placed in articles, newsletters or other documents their potential customers read online. Additionally they should look for appropriate web sites with which to trade links and spend time fine-tuning their pages so they are found by search engines.
 Copyright 1999, Attard Communications, Inc.