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Ogden's 'Stimulus Mortgage' Is a Big Winner With Members and Agents
Just a few weeks into his new job as vice president of mortgage lending for the $1.3 billion Community First Credit Union, Glen Ogden was bothered that his team was turning away new business. Members were calling about the first-time homebuyer federal tax credit, asking if they could use it as a down payment.
But, federal law prohibits the practice, and the Appleton, Wis.-based credit union didn't have a suitable product to fill the gap.
"We needed a program that would allow them to get into the home with a 5% down payment that we lent them and allow them to pay off that amount with the tax credit once they received it," he said.
Creating a loan to finance the 5% down payment at 0% interest was easy enough. In Appleton, located in east central Wisconsin about 50 miles south of Green Bay, starter homes range from $60,000 to $120,000. So, the $8,000 credit would be more than enough to cover the down payment. If a borrower didn't use his or her tax return to pay off the amount, the loan could roll into a second mortgage with standard terms and payments.
It looked like all systems were go, except for one major hurdle: mortgage insurance. Ogden couldn't find one single mortgage insurance company willing to cover the product. In this day and age, 100% financed mortgages are considered too risky, especially for first-time homebuyers.
Other executives may have shrugged their shoulders, admitted defeat and turned their attention to the next project. But Ogden didn't give up.
Instead, he investigated self-insurance.
"After all, what is insurance?" he said. "It's paying a premium to hedge a risk. So, I thought, what if I add a premium to the interest rate and hold it on the books?"
As a basic example, Odgen said he would add 50 basis points to the interest rate, and set it aside as a first-loss category in the event the credit union does experience a loss.
"Not in a true reserve account, but noted," he added.
Community First also charged a $500 origination fee, which it doesn't typically charge members. Those funds were earmarked as reserves to guard against losses.
"Basically, we set aside the buffer in our own records, it wasn't technically on the books," he said. "We are making a higher yield on these loans, so if we do take a loss, it comes from there."
Since March 2008, Community First has funded nearly 70 mortgages for $7 million, and not one has gone delinquent.
To qualify, members were required to provide three years of tax returns to prove no homeownership. And mortgage loan officers used common sense to vet borrowers.
"When we got applications in the door from 20-somethings that had 1040EZ forms, we knew these were the first time homebuyers we wanted," he said.
Even after the April 15 income tax return deadline, Community First continued to promote "Stimulus Mortgages," advising members to file amended 2008 tax returns through Nov. 30, 2009, which allowed them to receive the credit retroactively.
Retroactive tax returns not only ensured the loan would be repaid quickly, but members would also receive the full $8,000 credit because they had already settled up with the IRS for 2008.
Mortgages that closed before Nov. 30, 2008, have until April 15, 2009, to get the no-interest deal. Those who have closed since then have until Oct. 1, 2010, to pay in full before the loan coverts to a second mortgage.
Ogden said his team will even let the due date slide a little bit if the IRS delays the process.
"These are great members who have paid on time, and we've formed some great new relationships, so we're not looking to come down heavy handed," he said.
The rest of the loan is a five-year adjustable-rate mortgage, which Ogden said wasn't a hard sale, considering the bad press adjustable rate products have received since the bubble burst.
"We knew they would be concerned about ARMs and bad press, so part of our ad campaign was to stress that this is a good, solid and safe conforming product," he said.
After one year, borrowers may refinance at appraised value, which has rising slightly in the Appleton area. Only one member refused the program because of the adjustable rate and that was because his father was dead set against it, he said. Many Gen-Y borrowers brought their parents along to consult during the loan process.
Marketing was brought into the loop once the program was set. Community First's in-house marketing team created sales materials for members and real estate agents and scripting for staff.
Every real estate agent in the state of Wisconsin received flyers, and local agents were gifted chocolate houses with the First Community logo and were given the opportunity to draw house keys from a bag to claim promotional prizes. One real estate agent even forwarded a promotional e-mail to his state Realtors office, which in turn broadcast the promotion to all members statewide.
"As a result of our efforts, we made some great inroads into real estate offices," Ogden said. "Some have their own mortgage brokerage firms, and even they let us in."
The program has been so successful, those same mortgage insurers, who, last year, wouldn't touch the program, are now expressing an interest in covering it.
Peer pressure could have also played a role in the mortgage insurers' changes of heart. A video profiling Seth and Lindsey Gregory, Community First members who took advantage of Stimulus Mortgage, was featured at several credit union industry events last year. Nearly every credit union executive who attended an organizational meeting last year knows the story of the Gregory's, a young couple who had saved up $15,000 for a down payment but had instead used the funds to adopt their son.
The video was created in-house by Community First's marketing department, including a contract employee based in Chicago who produces the credit union's TV and radio ads.
"There's good and bad associated with the government stimulus money, and anytime we can show the good work we're doing for people, not just here at Community First, but credit unions and government programs, well, that benefits everybody," Ogden said.
This year's Governmental Affairs Conference will be a busy one for Ogden and Community First. In addition to nabbing the CU Times Trailblazer Awards in lending and community service, the Gregory's video also won the National Credit Union Foundation's REAL Member Stories Video Conference and will be featured during the Monday night Herb Wegner Memorial Awards Dinner.


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Jessenia López sat with her back against a boulder, her hair still damp from the shower. "Miami," she said, when I asked where she and Armando, a car mechanic and handyman, hoped to find work. "We have a friend there. We're carrying her phone number. But we haven't been able to reach her. We don't know what to do." She is 33 and Armando 29; they had left their three children—two teenagers and a baby—with her family in Managua. When Jessenia told me her baby was two years old, she began to cry, but she pressed her hand against her face and stopped. "I never in my life thought I was going to do this. It's just need that makes you do certain things."
The wire gate beside the Casa swung open in the shadows, and from the building next door, where he lives, Padre Rigoni came out and looked at the migrants on the sidewalk. "Well, muchachos," he said. He had taken off his vestments and was barefoot, in a dark T-shirt and rolled-up dungarees. He sat under a broad-leafed tree, near the boulder where Jessenia López was resting her head against Armando's chest, and for a while Rigoni and the migrants talked about violence in Guatemala and kidnappings in Nicaragua and other grim accounts they were hearing from the road.
"I remember the first Nicaraguan migrant I ever met, 20 years ago," Rigoni said. "He was 17. This was in Tijuana. He'd found some work there, but he'd keep looking in the direction where the border was, until one day he decided to go across. I got a letter from him, from San Diego. 'Here I am, Padre. But I live like an armadillo. Every time I go outside, I feel as though I have to hide. I can't do this. I'm going back.' "
The migrants were silent. Rigoni sighed and stood up to go inside. He also had letters from migrants who told him they thanked God every day for having guided them to the United States; why the armadillo story had come to mind just then he would not later be able to say, except that he had learned over time that his pastoral role was not to urge migrants onward or back, but rather to give them shelter and blessing and a safe place to consider the enormous implications of what they had decided to do. "Muchachos," he said, "mantengan sus corazones..." He hesitated, gazing at them, one hand on the gate. "Sanos," he said finally. "Guard your hearts, children. Keep them...healthy."

subset: commoncrawl


text: Neilson Barnard, Getty Images [ What Have Two Percent of Americans Made for Their New Year's Resolution? By Drew Weisholtz January 3, 2012 | TSMInteractive.com According to Redbook, 47% of readers say losing weight is their New Year's resolution, but 2% say their resolution is this. What is it? Read More Category: New Year Tags: Resolutions Send to a friend! Share on Facebook Share on Twitter Pin it! Reddit This! Share on Tumblr!


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Total $0.00
Value of African Hotel Markets Increased in 2016
August 31, 2017 10:21am
HVS, the global hospitality consulting firm and host of the THINC Africa conference, have launched their 2017 African Hotel Valuation Index (HVI) at the conference. This year sees the fourth edition of the African HVI, which includes more markets and increasing progress for Africa.
"The number of markets included in the study continues to grow each year, exemplifying the ever-increasing interest in the African hotel market. In the first edition, we had 14 cities. That grew to 18 in the second edition, third edition featured 21 cities, and we are now delighted to include 23 cities with the addition of Abidjan, Dakar, Kampala, Maputo in the fourth edition 2017 edition of the HVI," says Tim Smith, managing partner at HVS South Africa.
The HVI provides reliable, accurate data to hotel investors, enabling them to assess risk and reward for future developments. Data is not easily available across Africa; it simply does not exist, or it is old or inconsistent. HVS has access to data through its extensive network and database, which allows in-depth extensive research and data gathering in order to provide accurate data and objective insights on each of the African markets.
Smith says that in spite of the challenges of Ebola, the Zika Virus, presidential elections slowing down economies, low oil prices and the threat of terrorism, 17 out of the 23 markets covered increased value in 2016.
In 2015, 10 markets out of 21 cities were growing; in 2016, 14 markets were on the rise and Maputo, Windhoek and Casablanca, among others, have shown an impressive recovery.
The HVI reports that most African countries now have a steady but realistic growth that investors can rely on when making investment decisions. Despite a more conservative outlook, GDP is much higher than many global economies.
"The future of hotel demand in Africa will follow a positive trend in the long-term. Signs of recovery and improvement on 2016's relatively tough numbers are already up and most of these markets are continuing to grow, so we are expecting 2017 to be even better," said Smith.
On South Africa, Smith said hotel values are booming in Cape Town in Rand but the return looks far less exciting when converted back in US$ terms. That all comes down to currency; the Rand weakened by 15% in 2016 vs. 2015 and is now up by 10% against the US$ 2016."
The HVI reports that the future of South Africa's tourism is looking promising as the Rand has recently strengthened again and more than 2500 rooms are expected to be added over the next five years, including the new Radisson Blu, Radisson RED, Sun International, Marriott, Tsogo Sun and Ibis brands.
The HVI is a hotel valuation benchmark developed by HVS. It monitors annual percentage changes in the values of typically four-star and five-star hotels in 23 major African cities. Additionally, the index allows ranking of each market relative to an African average. The HVI also reports the average value per room, in US dollars, for each market. All data presented is in US dollars.
But restrictive visa conditions have broad economic consequences for the tourism sector. The African Union (AU) launched the Africa Visa Openness Index acknowledging the importance of the movement of people within Africa, marking an encouraging step forward for African economies. Many countries such as Mozambique, Senegal, Ethiopia and Uganda now offer visa on arrival opening their borders to a broader range of tourists.
The African hotel industry will continue to face challenges in the short-term. However, the positive news is that International and African unions are working together to promote the future of tourism in Africa, connectivity is improving at a fast pace and many countries introduced e-visa and visa on arrivals in 2016/17.
The report can be downloaded at http://hvi.hvs.com/market-region/africa/
Image: From left, Stephen Rushmore (global CEO and president of HVS), James Vos (Democratic Alliance shadow minister of tourism) and Tim Smith (managing partner HVS South Africa).
Tags: hvs,
thinc africa,
african hotel valuation index,
african hvi
Contact: Glenda Nevill
firstname.lastname@example.com /
071 445 0521
Contact: Bettina Moss
email@example.com /
082 851 6974
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Market Pulse: Bermuda, the Host Island for CHICOS 2017
The Evolving Workplace
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text:
A great tip for parents as the kids head off to school next week.
source: Geek And Poke
A great tip for parents as the kids head off to school next week.
source: Geek And Poke
That's the kind of parent I'm going to be lol.
Ha ha, very funny, our ISP Virgin in the UK is not only shaping traffic but also being judge and jury about the content you access.
My parents are pretty net savvy though!
Funny, very funny.
My parents are not tech savy. Sorry i will never have such fun "live"
I can well relate to this cartoon strip. So true and typical.
Good one. My mum would not know what access or traffic meant. In fact she would probably think that a hard drive is something that you may get arrested for 🙂
Thanks god my parents are not net savvy…..
My kids are in for trouble. I know all about filterting and monitoring. With some of the creeps out there, I would much rather be safe!
hah, definitely not my parents.
It is kinda hard to live a day without internet. I wouldn't cut off the internet access, however i may use kids surfing software to block certain type of unhealthy sites. – Rif Chia
LOL, I can still remember how my parents "Shaped" my traffic when I use to spend more time online then doing homework.
My dad is tech savvy and my mum is almost there.
More time online than doing homework, that sounds familiar. If I cut off the internet it would only be for my children and not for me!
Nice cartoon.
If I cut off the internet I would make sure my connection was still fine!
My dad's tech savvy and my mum is almost. It's a good thing though.
i have used the threat (and carried out temporarily):
"I'll delete you from the wireless router".
Couldn't get the Vista user profiles to restrict their access hours though, and that really annoys me.
Comments are closed.
Some news events, such as Iraq's invasion into Kuwait way back when, have me go "whoaaa!", awaiting the big media...


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Open a form to report problems or contribute information
We are in the process of upgrading the site to implement a content management system.
- The parish was in the Asahover sub-district of the Chesterfield Registration District.
- The table below gives census piece numbers, where known:
|Piece No.
You can also perform a more selective search for churches in the Morton area or see them printed on a map.
Church History
- The Anglican parish church is dedicated to the Holy Cross.
- The church, except for the tower, was rebuilt in 1850.
- The church seats 150.
- Nikki MAHADEVAN has a photograph of Holy Cross Church on Geo-graph, taken in September, 2006.
- Alan WALKER has a photograph of the Lychgate on Geo-graph, taken from inside the churchyard in March, 2007.
Church Records
- The Anglican parish register dates from 1575, but early parts are in bad condition.
- A CD containing a transcription of The Parish Registers of Holy Cross Church is available for purchase from Valerie NEAL.
- Marriages at Morton, 1575-1812 are available in Nigel BATTY-SMITH's database of scanned images of Phillimore's Parish Registers.
- The church was in the rural deanery of Alfreton.
Civil Registration
- Civil Registration began in July, 1837.
- The parish was in the Asahover sub-district of the Chesterfield Registration District.
Description and Travel
"MORTON, a parish and pleasant village, 3¼ miles N. from Alfreton, and 1¼ miles S.E. from Stretton Railway Station, and contained in 1851, 257 inhabitants. The church, dedicated to the Holy Cross, is a neat stone edifice in the decorated style. The living is a rectory; the Rev. Thomas Lund, B.D., incumbent."
[Description from Harrison, Harrop & Co.'s Directory & Gazetteer of Derbyshire, 1860]
The parish covers just over 1,250 acres and lies 7.5 miles south of Chesterfield. Alan WALKER has a photograph of the Village Hall on Geo-graph, taken in March, 2007. The Village Hall, on the western end of Main Road, often has a schedule of current events that visitors can enjoy.
Tony BAKER reminds us that Morton is the Centre of England.
- Ann ANDREWS provides a transcription of the Morton entry from Kelly's Directory of the Counties of Derby, Notts, Leicester and Rutland (1891).
- The transcription of the section for Morton from the National Gazetteer (1868) provided by Colin HINSON.
Historical Geography
You can see the administrative areas in which Morton has been placed at times in the past. Select one to see a link to a map of that particular area.
Ask for a calculation of the distance from Morton to another place.
You can see maps centred on OS grid reference SK408601 (Lat/Lon: 53.136483, -1.391586), Morton which are provided by:
- This place shown on a Google map.
- Google Streetview
- StreetMap (Current Ordnance Survey maps.)
- Open StreetMap
- Bing (was Multimap)
- OldMaps (Old Ordnance Survey maps.)
- Old Maps Online (Other old maps.)
- National Library of Scotland (Best site for old maps)
- Vision of Britain (Click "Historical units & statistics" for administrative areas.)
- English Jurisdictions in 1851 (Unfortunately the LDS have removed the facility to enable us to specify a starting location, you will need to search yourself on their map.)
- Magic (Geographic information) (Click + on map if it doesn't show)
- Elgin Road Works
- GeoHack (Links to on-line maps and location specific services.)
- All places within the same township/parish shown on a Google map.
- Nearby townships/parishes shown on a Google map.
- Nearby places shown on a Google map.
Military History
- The War Memorial is across the street from Holy Cross Church at the western end of Main Road.
- Alan WALKER has a photograph of the War Memorial on Geo-graph, taken in March, 2007.
Military Records
- Alan WALKER's photograph, above, is captioned with a complete list of names of the fallen from World War I and II.
- Alan WALKER has a photograph of a Commonwealth War Grave on Geo-graph, taken in March, 2007.
Politics and Government
- This place was an ancient parish in Derbyshire and became a modern Civil Parish when those were established.
- This parish was in the ancient Scarsdale Hundred (or Wapentake).
Poor Houses, Poor Law etc.
- Bastardy cases would be heard in the Alfreton petty session hearings.
- As a result of the 1834 Poorlaw Amendment Act reforms, this parish became a member of the Chesterfield Poorlaw Union.


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by Lesley Ward
Do you know what it takes to keep your horse looking sparkling clean? Find out in this Young Rider grooming kit guide!
Grooming means keeping your horse clean. It is very important that you take the time to clean your horse before and after you ride. If you leave mud and dirt on him, it can make him sore and itchy. You should groom him when you are done riding to get rid of sweat and dirt. Grooming is like a massage for a horse. Just be sure to be careful around sensitive areas like his face, belly and legs.
Remember to disinfect your grooming tools a few times a year in warm, soapy water so you don't spread germs. If fact, if you are riding more than one horse, it is a good idea to have a grooming kit for each one to keep them healthy. Be sure to rinse your brushes after soaking. Leftover soap can make your horse itchy!
Grooming Box: You're going to need something to hold all your tools. It can be something as simple as a bucket, or more complex like a wooden grooming box or cloth bucket. Most people use plastic carryalls to hold their brushes—you can pick one up at the local store.
Currycomb or Rubber Mitt: This flexible plastic or rubber brush helps remove dried mud that is caked on your horse's coat. Be careful when using this tool on a horse's face and legs, it might be too harsh! Use your hand or another brush to knock the dirt from the bristles or nubs.
Dandy Brush: This is a brush with stiff bristles. Use this brush with short strokes, flicking your wrist, to remove the mud the currycomb loosened. Make sure you rub this brush with your hand or another brush to get the dust out of the bristles.
Body brush: A body brush is a soft brush that can be used everywhere on a horses body. It removes surface dirt the dandy brush left behind. It makes a horse shiny by bringing up natural oils in his coat.
Hoofpick: This is the most important grooming item you can use on your horse. It is a metal or plastic tool with a hook on one end used to remove dirt and pebbles trapped in your horse hooves. You need to pick out your horses feet everyday, even if you are not going to ride. This is to make sure that nothing is stuck in his hoof and hurting him.
Mane Comb: A small metal or plastic comb, this tool is used to get knots out of a horse's mane. You should also get a people hairbrush to get knots out of the tail. Always start at the bottom of the tail working up so you don't break a lot of hairs.
Sponges: You should also have two sponges in your kit. One is for the horse's head, to wipe out his nose and eyes, and the other is for his dock area, just under his tail. Never use just one sponge, this can spread infections. Use different colored sponges so you don't mix them up.
Hoof Oil: Oil your horse's feet after you ride, especially in the summer. This will prevent them from cracking and flaking as the weather gets drier.
Clippers: At some point in time you will most likely have to trim your pony, whether it is to make a place for his halter or headstall, to get rid of some excess whiskers or to give him a full body clip in the winter. There are lots of different sizes and styles of clippers out there, each one meant to do a specific job. You won't need body clippers if you are only trimming his ears, but you will need heavy duty clippers if you're going to get thru his winter coat! You might want to borrow clippers for a little while to see which kind you really need. You can get small, handheld clippers for as little as 20 dollars!
Bath Time: When your pony is really dirty, you will need to give him a deep-down cleaning with soap and water. There are many types of shampoos available; you just need to find the one that suits your pony's needs! There are soaps for sensitive skin, soaps made with only natural ingredients and soaps that are specially made for relaxing muscles after a hard work out.
You can use different tools to really work the soap into his coat. You can use a regular curry, a curry that attaches to the end of your hose or even scrubby mitts like you use in the shower. Always remember to rinse him well; leftover soap can make him itchy!
Spray-on Conditioners: If the weather is too cold or you just don't have the time to give your pony a bath, spray-on coat conditioners might be the answer. These sprays coat each hair on your horse's body to repel dirt and dust. They are also excellent detanglers for manes and tails.
With these tools in mind, you should have everything you need to keep your pony clean and healthy. Happy grooming!
* This article first appeared in the March/April 2005 issue of Young Rider. Subscribe today!
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The last time San Diego State University had a basketball player selected in the first round of the NBA Draft was 1984, when a rebounding machine named Michael Cage was taken 14th overall by the then-San Diego Clippers. Cage played a very successful 15 years in the NBA.
Thursday night SDSU had a basketball player selected in the first round of the NBA Draft when a rebounding machine named Kawhi Leonard was taken 15th overall by the Indiana Pacers. Nobody knows how many years he'll last but Kawhi's journey will not start in Indianapolis.
Shortly after the pick, the Pacers traded Leonard to San Antonio for point guard George Hill. The Spurs are one of the classiest franchises in pro sports and have a history of drafting well, so for them to give up a guy a lot of people saw as the heir to Tony Parker for the Aztecs All-American speaks volumes about Kawhi's potential.
He's athletic and relentless, two things the Spurs realized they needed to add when they lost in the first round of the playoffs to the younger, hungrier, more active Memphis Grizzlies. At first glance it would appear Leonard doesn't fit San Antonio's offensive scheme. The Spurs like their players to have a more consistent jump shot than Kawhi currently has. But, his outside game is still developing and he's shown he has the desire to work hard to get better. Plus, with guys like Parker, Tim Duncan, Manu Ginobili and Richard Jefferson on the floor any offense Leonard offers is a bonus.
Kawhi will be asked to grab rebounds and play defense, which suits him well, while his midrange game improves. A lot of people thought Kawhi would be a lottery pick. I think he'll trade that to have an impact on a title contender any day.
"I had a meeting with (the Spurs)," said Leonard. "I got a great vibe from them. I'm just happy right now. I'm just going in, trying to do whatever the coach wants me to do to make the team successful."
No other Aztecs were drafted, but former San Diego H.S. star Jeremy Tyler was taken 39th overall by Charlotte. The Bobcats ended up selling their pick (yes, you can do that on Draft night in the NBA) to the Warriors. Golden State needs size, so they are willing to take a chance on the 6' 11" Tyler, who many scouts see as the biggest wild card in the Draft.
Tyler has a ton of potential but very little experience. He dropped out after his junior year of high school to play two unproductive professional seasons overseas (one in Israel and one in Japan). Unlike Leonard, questions about character and work ethic have dogged Tyler. He says he's matured. If he's right, the Warriors may have the steal of the Draft on their hands.


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Fire damages residential-business complex in Fredonia
FREDONIA - Thirteen residents were displaced after a fire Sunday afternoon damaged a commercial and residential building, village fire officials said.
The blaze, which broke out shortly before 2:30 p.m. at One Park Place, was reported by owners of the Kangaroo Cafe. There was significant fire and smoke damage to electrical panels in the basement, the Fredonia Fire Department said.
Gas and electrical utilities had to be shut off and there was minor smoke damage to businesses and offices located directly above where the fire occurred.
Assistance was provided by City of Dunkirk Fire, East Town of Dunkirk Fire, Fredonia Police, Alstar Ambulance and the Chautauqua County Fire Investigators. Electricity to the building remained cut off until the damaged electrical panels could be replaced.
The Red Cross is assisting the residents. Further information was unavailable.


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Scott Borthwick is refusing to worry about the added expectation that comes with being a fully fledged England international.
The Durham leg-spinner made his one-day and Twenty20 debuts for his country against Ireland and the West Indies towards the back end of last summer before playing another one-dayer against India in Mumbai in October.
He has clocked up the airmiles this winter having also been on duty with the England Lions as his development continues at a rate of knots.
Loading article content
But, ahead of the forthcoming English domestic campaign, the 21 year-old from Sunderland has admitted that he does not feel any added pressure to perform for his county.
"I don't really look at it like that," said Borthwick. "All I need to do is keep practising and doing my best to try and win games for Durham. I want to take wickets and score runs. I try not to look at it as a pressure thing.
"My aim this season is just to work hard, keep learning and try to improve again."
Borthwick's winter has had a distinctly sub-continental flavour to it, while he has rarely picked up a red ball.
"I've been to India twice, Bangladesh, Sri Lanka and Dubai twice. It's been a long winter, but I've enjoyed it," he continued.
"It's pretty much all been one-day cricket based, so I definitely feel I've improved in that area. There were things I wanted to improve, my economy rate was something I'd targeted.
"Just by playing one-day cricket, you get different experiences and are able to learn from them.
"Being around the England side has been brilliant. I've worked a lot with Mushtaq Ahmed, who is brilliant. I first met him two or three years ago, but every time I get the chance to work with him, I jump at it. He's a fantastic coach and talks a lot of sense.
"He's so positive. If you bowl a bad ball, he'll still find something positive out of it, which is great for your confidence. I try to keep in touch with him as much as I can when I'm not with England on tour, and it's the same with Peter Such, the other England spin bowling coach."
Despite having concentrated on one-day cricket throughout the winter, Borthwick's attentions must now switch to the longer form of the game as Durham play eight county matches before mid-June.
He added: "Four-day cricket is still the number one for me. I prefer playing with the red ball and bowling 20 overs per day rather than trying to stop someone hitting you for six sixes in an over.
"Twenty20 is enjoyable, don't get me wrong. But four-day cricket is where your skills are really tested.
"We were a little bit unlucky last year in the Championship, maybe we should have won it. We lost a few games towards the end of the season. It would be nice to win that, but obviously the Twenty20 is a big one now with all the fundings that come with it.
"Any silverware would be good this season. Looking at it, though, the Championship is the main aim for us."


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Item #258-0801 (0 customer reviews)
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ATLANTA - The political ad war blanketing the Georgia airwaves spilled over into a U.S. Senate debate Friday night as the two major party candidates sparred over the bruising attacks face to face.
With a little more than a week to go before the election Nov. 4, the Georgia Senate contest has grown increasingly harsh amid signs that the race is tightening.
Democrat Jim Martin assailed Republican Saxby Chambliss for a spot suggesting he was responsible for the death of children in state care when headed up the Georgia agency overseeing social services programs.
"This is a personal attack on me. It's inaccurate," Martin said.
Chambliss defended the spot as a statement on Martin's leadership. Asked if Martin was to blame for the deaths, Chambliss replied "absolutely not."
"But it's an issue of leadership. What happened was a terrible tragedy and it happened under his watch," the Moultrie Republican shot back.
Chambliss countered that Martin should prevail upon leaders of his party in Washington to stop running a pair of new ads he says misrepresent the "FairTax," which he supports. The plan would create a national sales tax and erase the income tax.
"He can say I deplore this," Chambliss said. "It's wrong. It's misleading."
Martin demurred saying that under federal election law he cannot coordinate activities with the Democratic Senatorial Campaign Committee, which is spending more than $500,000 to air the spots in Georgia.
Libertarian candidate Allen Buckley called the bickering "sad."
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Bayesian Learning from Arts Goods? – A Comment
This comment considers the applicability of the Cyert and DeGroot model of adaptive utility in modeling consumer choice behavior with respect to arts goods. An illustration of the consumer's choice behavior on expenditure shares is simulated as a simple Markov chain. This is followed by a discussion of policy implications regarding the pricing and subsidization of arts goods. Copyright Springer Science + Business Media, Inc. 2005
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Volume (Year): 29 (2005)
Issue (Month): 2 (May)
Pages: 137-141
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- Andrew J. Filardo, 1998. "Choosing information variables for transition probabilities in a time-varying transition probability Markov switching model," Research Working Paper 98-09, Federal Reserve Bank of Kansas City.
- Stigler, George J & Becker, Gary S, 1977. "De Gustibus Non Est Disputandum," American Economic Review, American Economic Association, vol. 67(2), pages 76-90, March.
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Data Visualization and Infographics Resources
- By Cameron Chapman
- September 11th, 2009
- 62 Comments
Data visualizations and infographics can make complex datasets easier to understand and comprehend. By creating a graphical represenatation of data and statistics, complicated concepts and information can make more sense in less time.
Many visualizations focus on representing a specific set of data or statistical information. Others focus on less-concrete topics, providing a visual representation of abstract concepts. Generally speaking, the first type appear more like graphs or charts and the latter are often more creative and imaginative.
But visualizations and infographics can be used poorly, too. Putting in too much information (or not enough), using improper formats for the information provided, and other failures are common. Below are more than 25 useful resources for infographics and data visualization. Most are galleries of effective graphics though some also provide how-to information for information designers.
Further Reading on SmashingMag: Link
- The Do's And Don'ts Of Infographic Design1
- Data Visualizations and Infographics2
- Data Visualization: Modern Approaches3
- Designing Flexible, Maintainable Pie Charts With CSS And SVG4
1. Data Visualization Sites Link
Here are some blogs and website that provide great information for information designers, including how-to articles, visualization showcases and galleries, and other resources. Some even include tools for creating your own visualizations.
Strange Maps Link
Strange Maps5 features only map-based graphics, both modern and historical. The commentary accompanying the maps is what really makes the site interesting, especially on the historic maps.
Wall Stats Link
Wall Stats9 includes original infographics depicting discretionary spending in the United States. The graphics are also available in poster form. They also provide coverage of other infographics about political and economic topics.
Visual Complexity Link
Visual Complexity12 – This site showcases infographics and data visualizations from a wide variety of sources and has nearly 700 projects included. Graphics are categorized to make finding specific projects easier and plenty of information is included about each image.
Cool Infographics Link
Cool Infographics16 is an awesome blog that chronicles infographics and data visualizations from all over the web. They cover almost every topic you could think of. Posts are tagged to make it easier to find the specific kinds of graphics you're looking for.
Data Mining Link
Data Mining20 is a blog that covers data visualization, social media and data mining. They aggregate tons of infographics from other sites, including National Geographic and The Economist.
Edward Tufte Link
This site23 presents a wide variety of infographics from multiple sources interspersed with other images. The commentary about the graphics is what sets it apart, and there are some incredibly interesting images included.
Infographics News Link
Infographics News26 is dedicated primarily to news infographics. They also cover news related to data visualization and unusual infographics.
Information Aesthetics Link
Information Aesthetics29 is a blog that details beautiful infographics and data visualizations from all over the web. Grahpics featured include political, financial and econimic, and other visualizations, dating as far back as December 2004.
Chart Porn Link
Chart Porn32 features charts and graphs from all over the web, all beautifully designed and covering a wide variety of topics. Posts are categorized by topic and source to make it easier to find specific charts.
Behance Network Link
The Behance Network36 has tags for Information Architecture and specifically for infographics. They have dozens of graphics in either category from a selection of graphic artists.
Good Magazine Link
Good Magazine39 presents some of the most interesting original infographics out there. They've created infographics on everything from water issues to the growth of food stamps to Obama's effect on voter turnout.
Matthew Ericson Link
The blog43 of infographic designer Matthew Ericson that includes visualizations created by others as well as himself. Recently featured visualizations include a map of murders in New York City and an industrial production data visualization.
NiXLOG Infographics Link
NiXLOG has a great infographics section that includes an aggregation of infographics from all over the web. There's also an original infographic of the evolution of Apple computers and their adoption by consumers.
Virtual Water Link
Virtual Water47 is a specialized blog covering the usage of the virtual water content infographic poster and the information it contains. They provide the info from the poster as well as links to publications that have used it (in whole or in part) and other infographic-related content.
History Shots Link
History Shots50 is a commercial site that sells infographic and visualization products (posters, notecards, etc.) for a variety of topics. Most of their images focus on historic events, time periods and subjects and you can browse based on political, military, sports, or general graphics. It's an incredibly interesting site and you can zoom into the graphics shown to read them onscreen.
Flowing Data Link
Flowing Data54 offers up some amazing infographics and visualizations, with their own dedicated category. They've covered the best beer in the U.S., wine personality profiles, the Kennedy family tree, and the religious geography of the United States, among tons of other awesome graphics.
Many Eyes Link
Many Eyes is a data visualization site that offers tools for creating your own visualizations as well as for browsing infographics created by others. There are already thousands of visualizations included on the site.
The New York Times Link
While you'll have to search around a bit to find the best infographics on The New York Times58 site, it's definitely worth the effort. They have some of the best infographics in the business representing and breaking down really complex data sets so their average reader can easily understand what's actually going on.
Nicolasrapp.com Link
nicolasrapp.com62 is an information design blog that covers primarily the infographics and data visualizations the author creates for The Associated Press.
DataViz Link
DataViz66 showcases images of beautiful data visualizations from all over the web. No commentary is included, but the images really speak for themselves.
iGraphics Explained Link
iGraphics Explained67 – This blog aims to shed some light on the world of infographics and data visualizations by explaining their effectiveness and how they were done. They showcase some beautiful graphics from sources all over the internet, so it's a great place to go for inspiration and to see what kinds of graphics work and which kinds don't.
Simple Complexity Link
Simple Complexity – This site showcases data visualizations that take complex data sets and display them in an easier-to-understand format that can help make sense of their true meaning. They showcase infographics from all over the net, as well as posting some how-to articles on creating better infographics.
Well-formed Data Link
Well-formed Data71 – This blog covers interface design, infographics and data visualizations, and statistics in general. The commentary accompanying the graphics is especially interesting, often delving deeper into the topics the visualizations cover.
Information is Beautiful Link
Information Is Beautiful74 – This blog celebrates beautiful information design, infographics, and data visualizations. They cover a wide variety of topics, create their own visualizations, and showcase those designed by others.
3. Flickr Pools for Infographics Link
Flickr pools can be a great source of information and inspiration. The ones featured below are dedicated to infographics and data visualizations, and most include examples from all over the world and a variety of different eras. They're an excellent place to go to get ideas or see what infographics trends are around the globe.
Infografia | Infographics78 – A pool with more than 700 infographic images, posted by 120+ members.
Infografistas.com / Infographics News82 – This pool has nearly 350 items posted, all data visualizations and infographics from a huge variety of sources.
Visual Information86 – A pool with nearly 650 items posted. There are visualizations for everything from restaurant spending to library maps.
The Info Graphics Pool89 – This seems to be the largest Flickr pool dedicated to infographics and data visualizations, with more than 700 members and 1800+ items included.
Footnotes Link
- 1 https://www.smashingmagazine.com/2011/10/the-dos-and-donts-of-infographic-design/
- 2 https://www.smashingmagazine.com/2008/01/14/monday-inspiration-data-visualization-and-infographics/
- 3 https://www.smashingmagazine.com/2007/08/02/data-visualization-modern-approaches/
- 4 https://www.smashingmagazine.com/2015/07/designing-simple-pie-charts-with-css/
- 5 http://strangemaps.wordpress.com/
- 6 http://strangemaps.wordpress.com/2009/07/27/402-homeland-is-where-the-heartland-is/
- 7 http://strangemaps.wordpress.com/2009/07/12/398-bridge-to-nowhere-a-map-of-golden-gate-jumpers/
- 8 http://strangemaps.wordpress.com/2009/06/06/388-us-states-as-countries-of-equal-population/
- 9 http://www.wallstats.com/blog/
- 10 http://www.wallstats.com/blog/a-visual-guide-to-the-financial-crisis/
- 11 http://wallstats.com/389yearsago/
- 12 http://www.visualcomplexity.com
- 13 http://www.visualcomplexity.com/vc/project_details.cfm?id=660&index=660&domain=
- 14 http://www.visualcomplexity.com/vc/project_details.cfm?id=686&index=686&domain=
- 15 http://www.visualcomplexity.com/vc/project_details.cfm?id=650&index=650&domain=
- 16 http://www.coolinfographics.com/
- 17 http://www.coolinfographics.com/blog/2009/9/2/surface-area-required-to-power-the-world-with-solar-power.html
- 18 http://www.coolinfographics.com/blog/2009/8/27/beer-comparison-porter-vs-stout-100-more-infographic.html
- 19 http://www.coolinfographics.com/blog/2009/8/25/us-energy-use-decreases-in-2008-infographic.html
- 20 http://datamining.typepad.com/
- 21 http://datamining.typepad.com/data_mining/2009/08/the-human-journey.html
- 22 http://datamining.typepad.com/data_mining/2009/08/visualizing-moods-on-twitter.html
- 23 http://www.edwardtufte.com/bboard/q-and-a?topic_id=1
- 24 http://www.edwardtufte.com/bboard/q-and-a-fetch-msg?msg_id=0003JL&topic_id=1&topic=Ask+E.T.
- 25 http://www.edwardtufte.com/bboard/q-and-a-fetch-msg?msg_id=0002w4&topic_id=1&topic=Ask+E.T.
- 26 http://infographicsnews.blogspot.com/
- 27 http://infographicsnews.blogspot.com/2009/07/most-original-infographics-are-not.html
- 28 http://infographicsnews.blogspot.com/2009/07/graphics-for-4th-of-july.html
- 29 http://infosthetics.com/
- 30 http://infosthetics.com/archives/2009/08/congress_speaks_words_spoken_in_the_110th_congress.html
- 31 http://infosthetics.com/archives/2009/08/typologies_of_intellectual_property_visualization_of_recent_us_patent_office_data.html
- 32 http://chartporn.org/
- 33 http://chartporn.org/2009/08/21/european-economic-weather-map-updated-aug-09/
- 34 http://chartporn.org/2009/08/12/kennedy-family-tree/
- 35 http://chartporn.org/2009/08/10/drug-venn/
- 36 http://www.behance.net/Search?realm=infographic
- 37 http://www.behance.net/Gallery/Borsa-Italianaa--0_2-beta/64251
- 38 http://www.behance.net/Gallery/Memento-Density-Design/157261
- 39 http://www.good.is/magazine
- 40 http://www.good.is/post/transparency-the-best-and-worst-cities-to-look-for-work/
- 41 http://www.good.is/post/transparency-the-growth-of-food-stamps/
- 42 http://www.good.is/post/transparency-is-cash-for-clunkers-working/
- 43 http://www.ericson.net/content/
- 44 http://www.ericson.net/content/2009/06/the-king-of-pop/
- 45 http://www.ericson.net/content/2009/06/homicides-nyc/
- 46 http://www.flickr.com/photos/nix/153923147/
- 47 http://www.traumkrieger.de/virtualwater/
- 48 http://www.traumkrieger.de/virtualwater/
- 49 http://www.traumkrieger.de/virtualwater/
- 50 http://www.historyshots.com/index.cfm
- 51 http://www.historyshots.com/Parties/index.cfm
- 52 http://www.historyshots.com/otherartists/4022.cfm
- 53 http://www.historyshots.com/union/index.cfm
- 54 http://flowingdata.com/category/visualization/
- 55 http://flowingdata.com/2009/09/02/the-world-of-seinfeld/
- 56 http://flowingdata.com/2009/08/28/total-eclipse-of-the-heart-flowchart/
- 57 http://flowingdata.com/2009/08/26/how-does-the-internet-see-you-personas-from-mit-media/
- 58 http://nytimes.com
- 59 http://www.nytimes.com/interactive/2009/03/03/us/20090303_LEONHARDT.html
- 60 http://www.nytimes.com/ref/us/20061228_3000FACES_TAB2.html
- 61 http://www.nytimes.com/interactive/2009/03/10/us/20090310-immigration-explorer.html?hp
- 62 http://nicolasrapp.com/
- 63 http://nicolasrapp.com/?p=738
- 64 http://nicolasrapp.com/?p=698
- 65 http://nicolasrapp.com/?p=692
- 66 http://dataviz.tumblr.com/
- 67 http://igraphicsexplained.blogspot.com/
- 68 http://igraphicsexplained.blogspot.com/2009/08/arctic-sea-whos-wiser.html
- 69 http://igraphicsexplained.blogspot.com/2009/08/show-dont-tell.html
- 70 http://igraphicsexplained.blogspot.com/2009/07/operation-panthers-caw.html
- 71 http://well-formed-data.net/
- 72 http://well-formed-data.net/archives/338/x-by-y
- 73 http://well-formed-data.net/archives/300/visualizing-randomness
- 74 http://www.informationisbeautiful.net/
- 75 http://www.informationisbeautiful.net/2009/swine-flu-latest-visualized/
- 76 http://www.informationisbeautiful.net/visualizations/timelines/
- 77 http://www.informationisbeautiful.net/visualizations/the-billion-dollar-gram/
- 78 http://www.flickr.com/groups/infografias/
- 79 http://www.flickr.com/photos/gersonmora/3862626997/in/pool-infografias
- 80 http://www.flickr.com/photos/23761279@N02/2544127108/in/pool-infografias
- 81 http://www.flickr.com/photos/ledfish/3681765183/in/pool-infografias
- 82 http://www.flickr.com/groups/856209@N23/
- 83 http://www.flickr.com/photos/rajkamalaich/3867840522/in/pool-856209@N23
- 84 http://www.flickr.com/photos/ffranchi/3842469598/in/pool-856209@N23
- 85 http://www.flickr.com/photos/rajkamalaich/3811689794/in/pool-856209@N23
- 86 http://www.flickr.com/groups/visualinformation/
- 87 http://www.flickr.com/photos/infojocks/3833848632/in/pool-visualinformation
- 88 http://www.flickr.com/photos/gersonmora/3702252913/in/pool-visualinformation
- 89 http://www.flickr.com/groups/16135094@N00/pool/
- 90 http://www.flickr.com/photos/8364195@N04/3877507961/in/pool-16135094@N00
- 91 http://www.flickr.com/photos/seeminglee/930343189/in/pool-16135094@N00
- 92 http://www.flickr.com/photos/tutu22/3853254787/in/pool-16135094@N00


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So, the machine that is the Alabama Crimson Tide lost, but I'm sure you know that; however, what we don't know is how the new BCS rankings will look tonight. The debate about who should be No. 1 began immediately following the Tide's loss, but there is a difference between who should be No. 1 and who will be. Theoretically the Kansas State Wildcats should move up one spot to the top of the standings, but it's just not that simple.
Both the Notre Dame Fighting Irish and K-State had to grind it out for wins yesterday and judging how the Oregon Ducks eventually dominated in their victory yesterday and how they have done in the both the USA Today Coaches Poll and Harris Poll, all signs point to the Ducks finding themselves as the new number one tonight. Last week the quack-attack had a slight edge over the Wildcats in the Coaches Poll, but had more control of the No. 2 spot in the Harris as the Ducks had six first place votes to the Wildcats' one.
It appears Notre Dame will have the most difficult time getting into the BCS Championship because their remaining schedule features only one ranked team. Always keep in mind that the human element in the BCS has a very short memory and the final rankings will reflect what each team has done lately. After week 11 there are three undefeated teams all with the shot of making it to the national title, but which teams have the best chance of running the table?
Kansas State also has one ranked team on their schedule, the Texas Longhorns, and next week they travel to Waco, TX to take on the Baylor Bears. The Bears gave the Oklahoma Sooners all they could handle yesterday and regardless of their record, the Art Briles offense can present some problems for the Wildcats defense. The Wildcats also have Heisman Trophy favorite Collin Klein, so that will give them the inside track if they finish undefeated as Big 12 champions.
The Oregon Ducks have the most difficult road to Florida facing two teams that are currently ranked. The Stanford Cardinals will face off with the Ducks in Autzen this Saturday, which does have some potential for an upset. Don't forget if Oregon beats Stanford, they will have a spot in the Pac-12 Championship against either the USC Trojans or UCLA Bruins. Both the Bruins and Trojans have the chance to be ranked when the Ducks face-off with them. Three ranked opponents, three wins and a conference title makes the Ducks locked in if they win out.
Notre Dame had to grind out their victory last night against the Boston College Eagles and last week they needed overtime to take down the Pittsburgh Panthers. Unfortunately, the Irish haven't impressed voters the last two weeks. Yes they won and their defense is impressive, but they aren't winning with style. All ND can do is win their remaining two games and hope the Ducks or Wildcats lose, but don't forget about the Georgia Bulldogs who could leap-frog the Irish as a one loss SEC champion.
The Fighting Irish have the easiest chance of running the table, then comes the Wildcats and finally the Ducks have the most difficult road. Let's just say for sake of argument all three finish undefeated. The BCS title would feature UO and Kansas State. The Ducks have the most ranked teams on their remaining schedule and Kansas State already has the lead on the Irish and voters will want to see the Heisman winner on the final national stage of the season.
Follow Zach on Twitter https://twitter.com/ZacheryPugh


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White Tuxedo Party Time T-ShirtThis is a classic White Tuxedo t-shirt with one thing that makes it unique from the rest. Quoting Cal Naughton Jr., "I like to picture Jesus in a tuxedo t-shirt because it says I want to be formal, but I'm here to party." Our shirt has part of that very famous Talladega Nights quote printed on the right lapel: Formal, But Here to Party. There are many tux tees out there, but this one is definitely the best.
|To select another Party or Movies shirt, click the thumbnails below.
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Celebrate our 40th Anniversary Gala
NESC was created to help you achieve your mission
National Executive Service Corps, founded in 1977, strengthens America's nonprofits.
We've completed over 2,000 consulting projects for 1,200 nonprofits of all sizes in the tri-state area, helping them deal effectively with their challenges and capitalize on their opportunities.
Celebrating a heritage of success
High-caliber expertise and professional commitment are what NESC offers nonprofit organizations."Patricia Krasnausky – Cabrini Eldercare
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Qatada Won't Be Deported From U.K.
Abu Qatada's European vacation goes on, much to the chagrin of the British government. The radical Islamic preacher—who's been convicted of terrorist bomb plots in Jordan—has been on British soil for years. The Special Immigration Appeals Commission ruled against deportation because it wasn't convinced by the British government that evidence obtained through torture would not be used in the trial. Kept in prison since 2011, Abu Qatada has been referred to as a senior al Qaeda official.


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The main reason is geography. The largest percentage of white Evangelicals are in Southern states that were never in play for Democrats. They were therefore never part of any outreach effort Obama's 50-state strategy didn't involve sending campaign staff to organize Alabama Bible colleges. Instead, the Obama camp focused its energy on a handful of battleground states with sizable Evangelical populations, including Colorado, Indiana and Michigan.
In those target states, Obama both outperformed his national average among white Evangelicals and chipped away at the GOP's 2004 advantage. In Michigan, where the state party began building relationships with social conservatives in the western half of the state during the 2006 election cycle, Obama won 33% of the white Evangelical vote, a 12-point shift from 2004. The campaign's Evangelical outreach coordinator spent the last weeks of the race in tightly-contested Indiana, with impressive results 30% of the state's white Evangelicals voted for Obama (a 14-point gain), and the Democrat split the Catholic vote with McCain (a 13-point gain).
Even Colorado, where Kerry won a measly 13% of the white Evangelical vote in 2004, proved relatively fertile ground. The Obama camp reached out to moderate Evangelicals in Dobson's base of Colorado Springs, bringing in popular Christian author Donald Miller as a campaign surrogate. The result was a 29-point shift in the vote on Election Day for Obama. By contrast, in a state like Iowa, where the campaign had little to no religious outreach presence, the white Evangelical vote was unchanged.
See pictures of presidential First Dogs.
And that points to the second reason Evangelicals didn't shift in greater numbers: scope. The small gains that Obama made in the battleground states targeted by his religious outreach staff were the results of just six weeks of activity leading up to the election. At the beginning of the summer, after Obama clinched the Democratic nomination, his campaign announced an ambitious plan to engage young religious voters at Christian music festivals, at house parties, and through Evangelical and Catholic surrogates. But by the time fall arrived, the effort originally called the Joshua Generation had still not materialized. Finally, in the last week of September, the campaign set up a speaking tour for Miller and a few other Evangelical authors.
The campaign missed an opportunity to pursue and persuade younger Evangelicals in a sustained way and possibly welcome a new generation of voters into the Democratic coalition. As a September survey from Faith and Public Life found, younger Evangelicals are much more likely than their older counterparts to identify themselves as moderate or liberal. And their political positions match that orientation as well they support expanded government and diplomacy over military intervention. Yet they were no more likely to vote for Obama than older Evangelicals. It's possible that social issues are still a stumbling block. Younger Evangelicals are even more opposed to abortion than their parents. But it's also likely that the cultural identification between Evangelicals and the GOP is so strong that Democrats will need to invest more time to court them and ask for their votes before a shift can take place.
Finally, there are unquestionably theological and racial reasons for the continued alignment of many white Evangelicals with the GOP. "There is a different flavor of Evangelicalism in the South," says political scientist John Green, an expert on religious polling. Obama's gains among Catholics were driven by Latino and white working-class Catholics for whom the economy trumped all other issues. But for lower-income Evangelicals in Southern states, that wasn't enough. Even in states that Obama carried, like Virginia and North Carolina, his percentage of the white Evangelical vote was much lower than in the Rust Belt. And in a state like Georgia, which at one point looked like it could be close, white Evangelical support for McCain may have proved pivotal. Kerry won only 16% of the vote in 2004, but Obama barely walked away with 11%.
James Dobson can take heart in one Election Day outcome. Despite predictions that Evangelicals might stay home from the polls this year, they actually increased their share of the electorate from 24% to 26%. This year, 3.5 million more Evangelicals voted than in 2004. In an ordinary year, that may have provided an edge for McCain. In this extraordinary election, however, 2 million of those additional Evangelical voters ended up on the side of Obama.
See world leaders react to Obama's win.


text: Wavebreakmedia Ltd, thinkstock Something's Going Around -Take Precautions! By Michael Rose February 20, 2014 I got the call this morning - "I'm sick". It happens, and I am glad to be able to fill in. Read More Category: Articles Tags: cold and flu season, don't give that to me, sick Send to a friend! Share on Facebook Share on Twitter Pin it! Reddit This! Share on Tumblr!


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You know, when we first launched, we went on an Audi junket. And we got some crap for it, as Audi was our main advertiser at the time. But we reported on the junket-status of the trip to SF as much as we did on the car. We haven't been offered any since. However, we think our policy is a sound one. Junkets are a fact of life in this industry; you're wined, dined, and if you're lucky, 69ed, although we don't know if we'd wanna engage in simultaneous oral gratification with most of the press folks we've met (although the Ferrari models are another story). We promise you kids, if we ever get invited on a junket again, we'll continue to be upfront about 'em, if only to avoid Farago's wrath, because he surely busts it out in his latest TTAC editorial.
The Pleasure Stops Here [The Truth About Cars]
Audi A6 and Jalopnik: All Will be Revealed [Internal]


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Shark Tank, ULIsf's marquee event that presenters and audience members never forget, is gearing up again! Tailored after the popular TV Show and following the huge success of Shark Tank in January 2013, this exclusive, non-public event brings together local real estate entrepreneurs and a panel of "sharks" to vet their proposals in the context of the volunteer investment committee's decades of experience. our last committee featured representatives from Morgan Stanley, Prudential, Rockwood and Pacific Urban Residential.
Randy Miller of Nautilus, commenting on his experience of presenting a student housing project at our last Shark Tank event, said, "The event was great. It was an outstanding opportunity to get presentation experience, real criticism and feedback on a project before going to other banks or investors. I would highly recommend the event to future presenters."
The application period for fall 2013 is now open through August 8 to eligible developers and project sponsors. Successful candidates will have real world experience with real estate development, an active and interesting deal to discuss (preference given to urban infill in the San Francisco Bay Area), and the ability to make a concise and captivating presentation.
Two interesting and diverse investment proposals will be selected to be presented to a panel of sharks, who will critique the presentations and ask hard-hitting questions leveraging their experiences, critical evaluation methods and quick wits. The event offers a unique, dynamic and real world look into the behind-the-scenes machinery of getting a real estate investment deal done in San Francisco. Erik Robbins, another prior presenter said, "I never thought I could have so much fun having my project dissected. Two thumbs up!"
Read more and download the Shark Tank Request for Proposals.
Applications should be submitted to Will Heywood at email@example.com before 11:59 p.m. on August 8.


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LAMESA Services for Leopoldo Villegas, 91, of Lamesa will be at 2 p.m. Thursday at New Life in Christ Church with the Revs. Nick Cervantez officiating and Carmelo Moreno assisting.
Burial will be in Lamesa Cemetery under the direction of Gonzales Funeral Home of Lamesa.
He died Monday, Dec. 10, 2001.
He was born June 20, 1910, in Texas and married Cosimira Zepeda in 1946 in Robstown. She died June 3, 1971. He became an ordained minister in 1960 and moved from Michigan to Texas in 1975. He was a seasonal migrant worker until his retirement.
Three sons, Cornelio Villegas in 1966, Bosilo Villegas in 1999 and Guadalupe Sanchez in 1986, and a daughter, Mariana Villegas in 1942, preceded him in death.
Survivors include two sons, Juan of Saginaw, Mich., and Leopoldo Jr. of Lamesa; five daughters, Maria Baiz of Jackson, Mich., Manuela Zamora of Hobbs, N.M., Olivia Garza of Crosbyton, and Elesia Vara and Josie Gutirrez, both of Lamesa; 64 grandchildren; and numerous great-grandchildren.
© 2017. All Rights Reserved. | Contact Us


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Attwood Flush Boat Cleat 4-1/2" Boat Cleats
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This item is found in the following Product Families
- Cleat Length 4-1/2"
- Overall Length 5-1/4"
- Height 3-1/8"
- Width 2"
I don't have access under my gunnel. Do these attach from above by drilling out the four indents.?
The only way to mount it flush is to have room beneath the gunwale or deck according to Attwood.
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Thanks so much, Mimi--and I have fun being the crazy swirl lady! LOL!
Love it, I love these crazy swirls!
Thanks, Sue--and I loved doing the squares puzzle! I'm keeping the next one as a special postprandial treat!
That was fun, Pat. I enjoyed it. 2:22
Thanks so much, PJ, Jan, and Ank! Sorry I haven't answered before--still "illing" with the bronchitis... I made this one deliberately irregular, with a mix of roundness and flatness, and letting some border lines show through in parts, just to give it a new twist--I'm glad you enjoyed it!
I start to like them more and more.
Nice textures, Pat. Great fun to solve!
Delightful and fun - thank you Pat.


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One the Easter long weekend, Wayne, Steve and another WhereScape hanger on (there's always one or two around) were in Taupo in the middle of New Zealand's North Island and decided to go trout fishing.
Taupo is New Zealand's largest freshwater lake which is central to numerous adventure activities and has a back drop of not one, not two but three volcanoes and has some of the best trout fishing in the world
Of course we could have trekked for hours through dense bush and had a go at fly fishing on a river in the middle of nowhere or if you are a touch lazy you can hire an expert with a boat to take you out on Lake Taupo itself.
We (of course) chartered the comfortable Stratus launch and our skipper Marty delivered the trout fishing goods with more than ten trout landed and six of those were over the legal length limit.
The tea, biscuits and boy banter were most excellent and Marty proved to be a bit of a "Gandalf of the lake", with no place to hide for trout through his years of fishing experience.
All trout were safely smoked and eaten. A great morning in paradise....


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This script is Copyright (C) 2005-2013 Tenable Network Security, Inc.
Synopsis :
The remote service does not require a password for access.
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As a prevention scientist, to apply my knowledge of the social and emotional dynamics of educational settings to create interventions that enhance teachers' capacity to provide a supportive and engaging social and emotional context for academic learning. This involves conducting evaluative, efficacy, effectiveness, and dissemination research to determine whether these intervention efforts are effective and sustainable in educational settings. My basic research centers on the development of wisdom, social and emotional competence, mindful awareness, and resilience across the lifespan and its relationship to healthy adaptation.
Areas of Interest:
Teacher Professional Development,
Social and Emotional Learning


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709 Tasting Notes
It's a good thing that caffeine has no discernible effect on me because I'm on a roll today. After some shifty tasting teas I felt the need to go for something comforting that I know I love. Black currant, it is! I have a box at home and one at work, and since I spend 9 hours a day here, the work one is going fast.
The last of a sampe plack given to me for Christmas by a thoughtful colleague – This tea is a treat to steep. I've used pyramid 'teabags' before but the flavour of that particular tea was weak and terrible and I ended up prejudiced against the whole lot. The beauty of the pyramid, however, is that you can see the tea inside expand and fill all the available space. Beautiful!
As for the taste, I like chai. I occasionally get one that is overpowering, but this is a nice compromise. The overpowering cinnamon smell/taste can come in if the sip is too big, but that's become a personal issue. Small sips = delish!
Edit: downgraded the score as the cup is less tasty as time goes on, :(
I know this isn't much to go on, but I received this tea and two others from an aunt for Christmas. They each came in a little gold bag, with a sticker saying they are Pippins Tea Company Inc., Queen St., Toronto. The name of the tea is hand written on the bag in blue felt marker, and there is no description at all!
The tea itself smells very interesting, it reminds me of the scent of Amaretto. I am not a fan of amaretto so that was worrisome, but the tea came out less sweet than I feared. All in all, it was a nice rooibos with strong almond flavour. I think another cup and close inspection of the contents might give me more to go on, but it was extremely unusal for me. Enjoyable, and appreciated!
ps – Closer inspection revealed other forms of nuts in here as well. Certainly are 100 mysteries!
A friend was over, the three of us needed a relaxing bedtime tea. Mother's Little Helper was suggested and now I feel warm and fuzzy, ready to hit the hay after a great evening. I always have a weird time with this tea, as I find the floral scent off-putting but still enjoy the day. Bit of a rarity in me cupboard, but nice when the time is right.
Still a fan, though after having tasted the rest of the sample pack, I understand that all their berry teas really taste the same. This is the top pick, nonetheless and I will enjoy it until it's gone!
(Saving the bag for a re-steep :D )


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i posted my bike up for sale a few months ago. since then i have had no interest in the bike. i have since put another bike up fpr sale but again no one is interested.
i have even reduced the asking price for the first bike and said that i would consider sensible offers for both bikes but still no interest.
what am i doing wrong?
could it be that i originally priced the first bike too high, a lack of pictures or is it because people just aren't interested in these bikes.
i know the current economic climate is tough (why else would i be selling them) but i dont think the bikes are overpriced, considering how much they cost me to build and their current condition...but then again i would say that wouldn't i?
Bike Forum
Why wont my bikes attract any buyers?
i posted my bike up for sale a few months ago. since then i have had no interest in the bike. i have since put another bike up fpr sale but again no one is interested.
what bike?
everything sells at the right price.
I just sold a couple of forks/frames/wheels and had to come down a fair way from my original prices to sell.
you could try posting a thread on the bike forum and redirect people to your ads?
or contribute more to the forum than simply selling your kit to avoid ebay fees?
Break it up and sell the bits? At a certain price point (higher) most people prefer to spec and build their own bikes.
Hard to say without seeing the ads.
Give lots of information, post lots of photos. Detail all the flaws as well as citing all the good stuff.
And a reasonable price (that you'd discuss offers on) will always help too.
It's because you're a classifieds-only poster.
After the number of threads on here about people having bad experiences with users like you, I'm surprised you managed to sell anything.
Well, having had a look at your posting history, it's plain you only ever buy and sell up to this thread! People are starting to get wary of sellers who don't post in the main forums and are not known to others, sadly, as some have been ripped off. If it's a high price full bike you're going to struggle on top of that as well. Best bet for a top price is either split and sell seperately, you'll always get more money, or eBay.
For the second one, putting a price might have helped.
Not sure about anyone else, but the phrase 'custom built' annoys me. It's meaningless. You mean 'built by me'in both your ads.
^oh, and the classifieds-only poster aspect, as others mention.
I'm looking for a cheapish hardtail at the moment and I'm surprised at some of the prices suggested.
We're talking 4 year-old+ bikes at 40% of their original retail price. Sure, some bits will have been replaced/ upgraded, but bikes can take a lot of abuse in 4 years!
Not well known models
No price in one case
No photos
Possibly a bit jumpy/freeridey for here - try SDH?
yeh, wot they said
only regular users are allowed to plug their own ads on the other forums
1. not a forum user
2. pics or links to pics in the advert
3. full bikes dont sell easily - split into parts or drop the price a lot
all covered above.
its been 20mins and you havent further contributed to your own thread!
Would agree with all of the above, especially the classified only posting, that and only one ad and you expect an instant sale? Not everyone scours the classifieds history, lots off ppl will assume it's sold if you don't re-advertise it.
That not to say you need to spam the forum every hour/day, an ad every couple of days would be more successful.
thanks for all the advice.
just to respond to some of the comments made....
SOOBalias - sorry didnt realise it was imperative to reply to my own thread immediately, i would have thought it would be a good idea to get some feedback and advise from other forum users. also i am at work so think it would be innapropriate for me to be glued to this on a constant basis.
simon_g - a bit jumpy/freeridey? i've seen others advertising jump bikes and freeride bikes and even DH bikes
PeterPoddy - i dont think i but abd sellup to this piont as i have not been able to do either but i see your point.
please dont take this the worng way but i did not realise that it made a big difference to others if the ads were classified only, as i am still new to this online selling malarky.
supinerider - thanks for typecasting me as a crook, i appresiate that, you hardly know me but seem to think just because someone else got ripped off by a classified only poster that i will do the same....maybe i should befriend you within the forums first so its easier for me to rip you off!?...
there!! that's my rant over....for now...
You asked gonzy. But I do think it gets peoples backs up when people just sell stuff on here but do not give anything back to the people who maybe buying the items - help, ideas etc.
By contributing to the Bike and chat forums does look like you are more trustworthy IME ?
also i am at work so think it would be innapropriate for me to be glued to this on a constant basis.
You're new round here aren't you?
This question has been asked a few times and every time the answer is the same.
Because nobody wants them
You could try and whet an appetite or two by posting pictures, a price, offering to split provided the frame sells, and putting a price on that is open to negotiation.
also i am at work so think it would be innapropriate for me to be glued to this on a constant basis.
You're in the wrong place here then.
You don't contribute to the forums. No-one knows you, no-one has ridden with you, no-one will trust you on high value items unless they are very cheap for what they are.
End of the day if it's at a good price and from someone who joins in, rather than just using it as a cheap classifieds, people will buy.
headfirst - got it in one mate, thats why i would appreciate some friendly advice on how best to go about doing things on here, but instead i feel like i'm getting slated for not knowing what to do.
foxyrider - i have never been advised before by anyone that contributing to the forums would make me more trustworthy, and beside who says that makes me more trustworthy than anyone else just because i exchanged a few messages with some other users. look at bernie maddoff and what he did - that does not mean that is what i am intending - all i want to do is get rid of a few of my bikes so i can free up some space in the garage, get a naggin wife off my back and put some money in my pocket from the sale minus my contribution to singletrack.
sorry didnt realise it was imperative to reply to my own thread immediately
I smell a KW. It takes one to know one
what do you mean by KW bonty buns?
No I think you're a tad touchy for the forum. Trolls would love you though.
EDIT: In all fairness I did phrase my post little harshly.
KW - Keyboard Warrior = 'A Person who, being unable to express his anger through physical violence (owning to their physical weakness, lack of bravery and/or conviction in real life), instead manifests said emotions through the text-based medium of the internet, usually in the form of aggressive writing that the Keyboard Warrior would not (for reasons previously mentioned) be able to give form to in real life'.
maybe i am getting a bit touchy, but i came here looking for help and advice, some of you have been helpful but others it seems seem happier to try and bust my balls....
edit up there^
Another piece of advice - never raise to the bait unless you can put up a 1st class rant - you will be flamed.....................
thanks for typecasting me as a crook, i appresiate that, you hardly know me but seem to think just because someone else got ripped off by a classified only poster that i will do the same....maybe i should befriend you within the forums first so its easier for me to rip you off!?...
there!! that's my rant over....for now...
0/10 - must try harder
i have never been advised before by anyone that contributing to the forums would make me more trustworthy, and beside who says that makes me more trustworthy than anyone else just because i exchanged a few messages with some other users
Then you haven't been here long, I'm not sure many ppl who ran scams on here, spent the time posting in the other forums, hense now a lot off ppl won't deal with classified's only posters.
Stop taking it personnaly though, this is the same for all of the classified only posters, if you read the main forum posting regularly, you'd actually know this.
Especially if you read the rules:
The classified forum is free for all private sales. It's there primarily to provide and opportunity for you to sell those unwanted bits and pieces that you have no need for that someone else may well be desperate to get hold of...
The 'spirit' of our forum is one where users can turn their old, surplus or unwanted kit into extra cash to enable them to buy new bits to help them get out and continue riding. The Classified Forum is not a place where users can trade parts bought elsewhere and then sold at a profit.
Everyone on here who has mentioned this, is not making a dig at you, this is the "friendly advice", their trying to say post some other things and you'd maybe taken more seriously.
By only being a classified poster, how are you taking part in the 'spirit' of the forum? If you aren't willing to do that, then ebay is the way ahead.
Flame on
bonty - if you think expressing your anger through physical violence is the way to go then that's your problem not mine, i came here for some advice on how best to sell my bike, not to be psychoanalysed by sigmund freud!!
Chill out Gonzy - you asked for our opinions - the above are opinions just some you may not like to hear. I always look at peoples selling and forum posts to make my decision. Otherwise I would go to Ebay and take my chances.
So I would say in my opinion I would probably not buy your stuff as your classfieds and some have ltd info in them & no photos (I always get asked for them when I have sold stuff!!). Oh and there is nothing I want LOL
Is that helpfult to you?
Yours very kindly FXR (BTW I am not and will never be troller - just honest and often fence sitting )
Shirtless wrestling. No real violence.
look i'm not here looking for an agruement with anyone, the majority of what's been said does make sense and has been taken on board, its just that some of the comments have got to me when they shouldnt have so apologies for that, a lack of sleep and food has made me a very crnky git today...
In as nice a way as possible:
STW is like a big pub/bar/living room where like-minded folk (well, sometimes they are ) come to have a general chit-chat which at times is bike-related. The classifieds forum is a small side-room to this which some of these like-minded folk occasionally visit to do a little bit of trading. Many of these folk, me being one, have never ventured into this little room.
You do not seem to have joined STW with this 'spirit' in mind. You seem to want to extract only financial, not spiritual, benefit from STW.
Hence the locals are annoyed.
EDIT: And you look like a 16 year old lad from out of town trying to get served...
Topic Closed
This topic has been closed to new replies.


text: I'm sure some of you must have some great ideas for the best way to sell a car. We are looking to sell one of our cars since my in-laws just got a new car and gave us their old car. What is the best way to attract buyers? We have a For Sale sign on the car and have posted some flyers around town. I have a classified ad ready for the paper as well. Has anyone sold a car on ebay or other internet sites like cars.com? Also, one more question - did you write up any kind of sale agreement with your buyer? Thanks guys!


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The Von D. Oehmig Sports Performance Center opened in October, 2010, providing space and equipment for varsity athletic training while opening additional workout areas for all Baylor students, faculty, and staff. And there's more: a football stadium with a seven-lane track and artificial turf, three baseball fields, a softball diamond, a dedicated lacrosse field with an artificial turf, a soccer complex that includes a stadium with a grass field and one field with the latest in artificial surfaces, a cross-country course that winds through the woods and along the river, eight indoor and 18 outdoor tennis courts. Baylor golfers even enjoy a short-game practice center, right on campus.


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By JANE PERLEZ, Special to the New York Times
Published: November 1, 1985
NEWARK— Twelve years ago Peter Shapiro, a junior at Harvard who was determined to have a career in journalism, went to Washington to work as a reporter for The Wall Street Journal for the summer.
He wrote several stories, including one that appeared on the front page on the impending visit of the then Soviet leader, Leonid I. Brezhnev. But he left the capital, soured by what he called the ''rat pack'' mentality of the press corps and the ''mediocrity'' of the politicians he had covered.
Rather than cover the politicians, he said, he decided to try to upgrade the profession by running for office.
''I was driving up to Canada at the end of college with a friend, and I said, 'I'm going to run for office,' '' Mr. Shapiro recalled. ''He said: 'You're crazy. You have to put up with all kinds of compromises.' ''
Beating the Old Guard
Mr. Shapiro ignored his friend's cynicism, and ever since he has been scaling the political ladder, usually by running - and winning - against the old guard.
Next Tuesday, as Democratic candidate for Governor, the 33-year-old Mr. Shapiro faces his toughest political fight, a race against Governor Kean. The most recent polls show Mr. Shapiro trailing by 40 to 50 points.
At 23, his political career began successfully when he was elected to the State Assembly. Two years later he defeated a well-entrenched Democratic machine in Essex County to become County Executive. He easily won re-election in 1982. Last June he plucked the Democratic gubernatorial nomination from a crowd of party veterans in the primary election.
This fall, however, the telegenic Mr. Shapiro, whose unruly shock of dark hair and boyish looks often give him the aura of a student-body president, finds himself pitted against a modern and popular incumbent who is just as skilled as he in the techniques of television.
A Lonely Campaign Trail
It is this long-shot quality of Mr. Shapiro's candidacy that shapes his campaign days, infuses his rhetoric and colors his humor.
He regales audiences - sometimes hard to find, since most statewide unions have deserted him for Governor Kean - with self-deprecating stories about the loneliness of his quest.
He likes to tell about a visit to a fishery in Cape May County, one of the most remote areas of the state.
''After half an hour of looking at the fish, I said it would be great to meet some people,'' Mr. Shapiro recently told a group of newspaper executives. ''Someone on the way to the freezer said: 'Hey, Peter Shapiro, I come from Essex County.' I ask, 'Why is an Essex County person working in Cape May?'
'' 'Well, sir, I'm on a work-release program from Leesburg State Prison.' Which meant he couldn't vote at all.''
Taking a leaf from the Presidential effort of Gary Hart, Mr. Shapiro has attempted to project himself as the candidate with new ideas. He concedes that New Jersey is in better shape than it was 10 years ago. But he believes the public should start thinking about the future rather than being satisfied with the present. He has been labeled a neo-liberal, a Democrat who believes that government should do more with less.
Progress in Essex Cited
To make this point, Mr. Shapiro delights in showing what a fiscal tightwad he has been in Essex County.
''I had a battle with the Sheriff,'' he said one morning as he eased into the passenger seat of his campaign car, a stack of newspapers beside him and the back seat awash with discarded issues. ''He wanted a Buick for himself. I said he could only have a Chevy. Then I said he could have the Buick if he could get a model for the same amount of money as a Chevy. He did.'' After being elected County Executive, Mr. Shapiro set about paring the size of the government he had inherited. With the help of two White House aides lent by President Jimmy Carter, he reorganized the county government's unwieldy web of 68 divisions into eight departments.
''Carter called me within a week or two of winning the election and said he'd like to help out,'' Mr. Shapiro said. ''I tend to take people at their word, so I said the Federal assumption of welfare would help the most. He said he wasn't sure about that. So I said how about sending some people to help.''
Mr. Shapiro also persuaded Western Electric, based in New Jersey, to lend him the company's fleet manager. With his assistance, Mr. Shapiro pruned the number of county cars and introduced computerized gas allocation for the remaining ones.
A Drive to Manage
''My own greatest thing is how you make things work,'' Mr. Shapiro said in a recent interview. ''There are two big roles in government: the executive and the legislative. Having served a little of each, serving as an elected manager is very rewarding.''
It was that drive to manage, combined with his sizable margin of victory when he was re-elected in 1982 that propelled him into the Governor's race, he said.
''After winning with the biggest margin in Essex County, I said, 'Gee whiz, I ought to spread my wings.' It made me think about going after it aggressively. If you're looking for a can-do job or one you can turn into a can-do job, it's the governorship. It has never been held by anyone who had any experience managing.''


text:
Monica Molina performed in Istanbul
- Published by Ozgur Tore
Worldwide famous Spanish singer Monica Molina performed at Harbiye Open Air Theatre as part of Turkcell Yıldızlı Geceler on August 6, 2014.
The concert was part of her ongoing world tour for her 2012 album "Mar Blanca." Known the world over for her now-classic romantic hits "Pequeño Fado," "Oh Amores" and "Vuela," the singer and occasional actress Molina is the seventh of eight children of one of Spain's most prominent musicians, the late flamenco singer Antonio Molina. The new album features a selection of songs made famous by Molina's father. Having previously played to sold-out crowds in Turkey, Monica Molina jazzed up the audience with songs from "Mar Blanca" as well as her previous albums.