text:
Formal was fucking epic. I loved it so much! I had so much fun. Although it was a bit stressing at first, but everything turned out fine!
SHOUTOUT TO: Ying Wu for doing the sashes and ordering it and everything. Jenny Chan and Denise Dang for fundrasing and the invites and all the other people who helped them. Yena Wu, Katarina Milinkovic for the shot glass, Vinh Duong and Bao Van Le for being MC, and also the performances by Joseph Sailosi, Jackson, Tuan Dang, Michael, Kitty, Winnieeh, Jennifer Yoo, Ella Han and Vivian. The DJ Nigel Sirisomphone, 'Hugo', 'Sam' and the photographer Ken, Denise's sister, the Skyview's caterers, Simon, Mariam and her parents, Bao Van Le for the slideshow, Simpson Tien for the idea of the blogspot and Aaron Tran for the couple speech. Most of all, I'd like to thank my bestfriend Khoa for the support he's given me throughout the whole formal planning. And I'd also like to thank my girls, you guys know who you are. And thank you everyone for just being there and having a great night. I hope you enjoyed it. Thank you guys so much!
And congratulation to Jordano Vasquez for the Mr Einstein, Sarah Le Pham for Miss Einstein, Nicholas Truong for the Most Cutest, Kayla Adum for Most Rebellious, Cutest Couple for Mercy Eng and Garry Fung, Biggest Dope for John Chau, Most Tank for Joseph Sailosi and Best Dress for Thien Tran and ME! :D Congrats to all! :):)
I hope everyone had a great night, cus I know I did! :)
Photos will be up soon! :)
Formal in about 5 hours and 30 minutes time and I am not even ready. I don't have a clutch or anything. Omfg, I suck.
Anyways, going library to print the sash forms and shit. Toodles. :)
Quick Entry: Tomorrow is formal and I'm not that excited. Months and months of planning has finally paid off. I'm so glad I'm the organizer! Cus I get cool stuff, like the best tables at the place, being able to pick the theme colors, food and other decorations. I love the job! I feel so proud of myself. Anyways, I finally got my dress. Months and months of walking around Livo, Parra, Burwood, Parra, Livo, Livo, Fairfield, Livo, Parra, Stocklands, Bondi Junction, Parra, Livo etc.. I finally found it.
You know when you see something and then you immediately fell inlove with it? Well yeah, that's like me and my dress. It's so pretty. I loved it. When I saw it, I swear ta god, I HAD TO have it! It was like love at first sight. I went in to try on a size 8 but it was way too big for me so I asked them if there was a size 6 but they said it ran out, the girl before me bought it so then they said they'll order it from the head office and told me to pick it up on Tuesday. And so I did!
And I bought my heels today. Nude Tony Bianco and Isabella Brown Shiny Black. And I want to make a good impression when I walk in the place, like I full want everyone's eyes on me. Like you know, make a massive scene? I love being the centre of attention! Woop!
I also had a mock make-up today and seeing which suits me more. I haven't done my nails yet, planning to go tomorrow to get it done. :) I'm kinda excited but not really.
Anyways, this ends here. I hope I have a blast tomorrow night. I'mma strut the place like I own the joint. Bitches be jealous.
I just want you to know that I'm hurting. Real bad this time, I don't know how long I can keep this thing up. I hate the way you treat me infront of your friends, I hate how you're not committed to me. I hate how I'm wasting my time on a boy like you. You always make me angry and sad. You make me so frustrated all the time.
I don't think you deserve me, I think that I'm far better off with someone else who would appreciate me. I try so hard to fit in with you, I try so hard to make up jokes and talk about stuff that maybe might even interest you abit. But it never turns out right; you always call me lame and stupid.
I'm trying really hard you know? Really, I am. I'm trying my hardest to please you, to satisfy you. I'm so vulnerable when it comes to you, I'm too committed and I think I expect too much. But will it kill you just to give some of that in return to me?
I don't think you ever even thought about how I feel about all this. You're kinda selfish. You always put me second after everything else. Your bestfriend, basketball, friends and even games. It's so pathetic. You're so pathetic. I try to dress up to impress you, and hoping maybe you'll take a second look. I always hope that you might compliment me every now and then. And maybe you might even be romantic about the couple thing. I hate how you dislike all those couple things like holding hands, or going out alone and stuff like that. All I wanted was a boyfriend who'd go out with me, wait outside a clothe store even if it was 30 minutes just so his girlfriend can get a perfect dress to impress him. Even shopping with you makes me feel like shit.
I'm so sick of your selfishness. It's always about you, it's never about me. I hate this, I hate you.
I swear, Korean guys are cute.
Big Bang, B2st, Super Junior.
They all have such cute baby faces!
You are a very arrogant and ambitious individual and you may be presented with challenges in this life that force you to be a little less selfish and shallow. Financial problems are common with Lion type karma.
I just want to say that I deserve more, and better. I don't think I should be treated this way. Please, just be the person who I fell inlove with. Even for a second, a minute, an hour, a day, a week. I don't care. Just prove me wrong. I'm begging you.
loving you tires me, makes me empty inside. something that looks like laughing when you're crying. loving you tires me, makes me sad. what do you want to do about it, that's life. it's life, my life. love me again, do it gently. a year, a month, an hour, passionately. loving you comforts me during the sleepless white nights. something that fills old burning stories. loving you comforts me, makes me happy. what do you want to do about it, that's life. it's life, my life. love me again, do it gently. a year a month, an hour passionately. love me again, do it gently. just for an hour, passionately.
I found out quite alot of stuff from your bestfriend. What she told me was the total opposite of what you said. I don't know whose words to believe. Because what she told seems reasonable for me to believe her. I also hear alot about you from her which I never knew before. I get the feeling that we're not connecting anymore. I'm such a pushover when it comes to you. I hate myself for being so weak when I'm around you. Farout, you're such a dickhead. Please, just treat me right. Stop taking me for granted. What have I ever done to you? I try not to make you sad, angry or anything. I try to give you whatever you want, I try to do things for you. I do you so many favours. Why can't you just show some appreciation towards me? Or better yet, show me that you love me and really deserve me.
I swear ta god, the girls SUCKS at doing Secret Santa. SOME FUCKING GIVE THE PRESENT A YEAR LATER. WTF MAN? AND THEY HAVE BUDGETS? OMFG, JEESSSSSSSSS.
I hate planning shit like that with them, cus they can't stick to the time limit and all that crap.
It's better if me and my other 3 chikas do it ourselves. Well, speaking of them, I'm going over Potato's house today.
Sometimes there is nothing to be said. Sometimes nothing should be said. I just want to find someone who wont run away. Someone to look me in the eyes and tell me its okay that things don't always go right. That this is how life works. and how it will always work. That it's not going to be easy. Today, Tomorrow, the next day. But it will somehow get better.
My bestfriend notices stuff about me quicker than my own boyfriend. I hate that. It pisses the shits out of me. The only person I want to notice me is my boyfriend, but he never does. He didn't even realised that I had extentions on, nor did he realise that I wore blue eyeliner to school today.
I met up with my bestfriend after school, and the first thing he said to me was "you look pretty today, I like your blue eyeliner. Did you change? Oh yeah, do did. Looks nice. You look beautiful".
I wonder why my boyfriend don't seem to realise and notice anything about it. I hate the feeling and I hate how he treats me like shit infront of his friends. Even his own bestfriend said 'What kind of boyfriend are you?' to him.
I want a boyfriend that shows me he cares whether or not his friends are around. I don't give a fuck if it's embarrassing to be all cute and shit infront of everyone.
I want him to be committed, but sadly he's not and he never will be. I'm wondering how much longer I can keep this thing going.
tadore: I feel like I need that, 'everything's going to be ok' speech right now. I keep telling myself that I'm fine but I can't say that I am. It's so hard for me to deal with this right now, it always is.
Everything will be ok in the end. If it's not ok, it's not the end. Tc.
This is my first attempt to draw eyes and eyebrows. I want fucking good looking eyebrows, but my hair on it are so thin. I hate my face. :@
19 piece Bobbi Brown make-up brush set. I love it to bits. I haven't even used it yet. I'm scared I might wreck it! :S LOL
I wasted so much money on the nail class, and buying nail polishes also. This is just one of the 4 boxes of nail polishes I've got. It's death. And I still have about 7 bags of false nails needing to be painted and displayed on my glass case.
Haven't finished it yet. I'm so lazy to do it. It's been a year or so since I last touched this stash. I'm a maniac.
This is my nail part in progress. Excuse my chattiness and how poorly it looks. I didn't even get to finish my nail class. I hated and probably never will like acrylic nail polishes. It's so thin and so fucking annoying, hard to use.
Silver Purple 782 by Christian Dior
And this is my favourite colour on my nails! It looks ugly on the photo, but trust me, it's more better in real life. :D
Who knew that my brother can do such a thing like this? I'm asking him to design something for me on my wrist so I can get it tattooed when I'm older.
I want a tattoo before I turn 25. I want the initials of my mother's name on my right arm, a sparrow on the bottom left side of my belly button, and two wings one on each side of my cleavage.
I want something similar to those pictures!
Oh yeah, and I'm still saving up to get that hip piercing I've been dreading to get since year 8. I'm still too much of a pussy to even walk inside the piercing studio. Still thinking of getting another belly piercing, underneath my current one.
My boyfriend means too much to me. He's the last person I'd wanna lose. I'd kill if he was out of this world. I can't imagine how Tinique's feeling right now, but I wish I can be there for her though. We were so close in primary. We were best of friends and it's so weird how even though we've drifted apart, I still care for her. I remember how I used to always sook to her about my ex and how he was such a dick. She was one of the greatest people in my life. She made an impact. Alot of impact. Take care T.
From left to right; Spiral ring from Jay Jays, Sparrow ring from Jay Jays, Green dotted gladiator ring from Rubi Shoes, Black wrap leaf ring from Diva.
They look so chat in that photo! Omfg, wtffff? Well, I like them alright? :@
I want this look for my formal. I don't care. I'm willing to go out of my ways. I'm bringing $500 tomorrow with me so I can spoil myself. I full think that I deserve it after all the SC stress (not really, I didn't give a shit), year 11 rollover, the death of my grandmother, the leaving of my mother to vn. I reckon I deserve this. And I seriously need a formal dress, and fast! Daddy gave me $100 today so I can spend on anything I want. I want to look gorgeous, not 'cute', 'sexy' or 'hot'. I just simply wanna look nice. I'm looking for a red dress. Satin red dress! I love red, it's like full awesome! :D
Going Bondi with my girls tomorrow. And yesterday I told them on the phone that when I say 'girls', I only refer to the both of them and not the rest of the girls I hang out with. LOL, I'm such a hoe. I should be typing stuff up for Society and Culture but I seriously can't be fucked. And job interview soon, fmd. CAN'T WAIT TIL FORMAL, I'M STOKED BITCHES! :D
Additionally, I wanna say and tell a someone how I feel about them. I want them to know that they've got the potential to keep going and studying at school and that they shouldn't throw it all away at this age. I feel bad for him. He's such a kind, caring guy. But the shit he's doing is making him look full faggy. Seriously, I disrespect guys like him who smoke, drinks and esh. You guys make me sick, seriously. But on the other hand, I care alot about him. He's special. And yeah, that's all I can say. It's really non of my business but we used to be full close and shit and things just suddenly changed.
11:11PM, make a wish people.
Well, I find that such bullcrap.
Who made that shit up anyways? LOL
SC IS OVER. SC IS OVER. SC IS FUCKING OVER. I'M RELIEVED. I HATED GEOGRAPHY AND HISTORY. I SWEAR TA GOD, I WANTED TO RIP THE FUCKING TEST SHEET IN HALF. It was the most annoyingest test ever! I didn't understand one of the stupid Geo question where Year 10 Students proposed someshit on some dam or someshit. What was that fuckery? Seriously dude!
Well, I'm currently online shopping for hair extentions and dresses. I fucking love forever21. I wish I still had my canvas card :( omg, i'm so unlucky. dlkajsskajflsdkjflkdsjhf
Anyways, tumblr has been a big fag. Idk, it's sooooooooooooooooooo boring now! and im currently on my brother's laptop. it's so awesome. i like it.
Omg, i also have my computer test tomorrow. and im not struggling at all. i'm fine! i got 36/40 for the trail one so it proves im awesome.
anyways, im going to be a fag and polyvore a set of what i'd wear if i were going to a funeral. rip. love u granny. xxx
Some girls are just so stupid. Like Y. She has problems. Go fuck yourself. No one agrees with your stupid Shot Glass shit. Fucking, you're annoying. And I hate you. What other fucked up ideas are you gonna think of now? First it was the stupid tiaras, now you want some fucking shit shot glass crap. "It's what the majority wants", WILL MAJORITY DOESN'T WANT WHAT YOU FUCKING WANT HOE. =__='
Suck my dick Yena.
My eyes are hurting. I can't stop missing you. I wish that you were still here. I miss you so much. I can't hack the fact that you're gone.
G, I miss you to death. Please take good care of me and please allow me to be a better person to everyone. I love you. Amen. xoxx
Bring a camcorder to a funeral.
Have a staring contest with a baby.
Pay your apartment rent short by a nickel.
Ask the local bakery if they have urinal cakes.
Return to work the day after you've been fired.
Call work on your day off and say you aren't going.
When the phone rings, pick it up and ask for somebody.
When ordering a pizza, emphasize the this order is "to go".
Hire a bodyguard and then start as many fights as possible.
Conduct a telephone call while you're straining on the toilet.
As the bus comes, hold out your thumb as if you're hitchhiking.
Watch TV with the volume muted and speak for the characters.
Call a furniture store and ask if they have a swimming pool table.
While driving, smile and wave at every driver that gets mad at you.
Say to somebody in a public restroom, "So, takin' a ______, huh?"
Find a construction site and tell them you're bored and offer to help out.
File a restraining order against your pets. ("Sparky, quit following me!")
Call the local library and speak quietly so you don't disturb anybody there.
Name your pet God. "Come here, God, come here! God wanna go outside?"
Donate your old, worn socks and dirty underwear to a charitable organization.
Send someone an invitation to your party, and write in it that they're not invited.
Call the phone number on a "Lost Dog" sign and tell them you haven't found it yet.
Enter a room full of people, and ask them all to leave because you need time alone.
When you enter a movie theater containing very few people, sit next to one of them.
Guys: Announce "Whoa, that was a close one!" after zipping up at a restoom urinal.
For an answering machine message, just say that "you called to leave a message. Bye."
When someone on the phone says you have the wrong number, ask what the right one is.
Get on an elevator full of people and push all the number buttons so it stops at every floor.
In a movie theater, constantly whisper to the person beside you, "Here comes the next part."
Mail your Christmas packages a few days late. On the box, write, "Do not open 'til Christmas."
Invite many friends to the easy chair section of a furniture store. Have them sit down as you give a speech.
Guys: Enter the Women's restroom and when they ridicule you, arrogantly boast, "Hey, I can go both ways."
While driving, ask someone for directions in a heavy foreign accent. Afterwards, thank them in perfect English.


text:
Four games down in the Stanley Cup Finals and so far the two participants have held serve on home ice. Detroit came out victorious over the weekend with a pair of 3-1 wins, now Pittsburgh has answered with a pair of 4-2 wins.
Good…I was hoping this would go seven anyway!
Jordan Staal's shorthanded breakaway goal at 8:35 of the second tied the game a two and opened a three-goal explosion by the Penguins. 1:59 later, Sid Crosby broke the tie and then Tyler Kennedy provided some cushion at 14:12 of the middle frame, a beautiful tic-tac-toe style tally from Crosby and Chris Kunitz.
Evgeni Malkin opened up the scoring early in the game with his 14th of the playoffs…he now also has 35 overall points after he assisted on Crosby's first goal of this series.
The Pittsburgh win set up the all-important pivotal game five on Saturday night and also insures that they will get one last chance to cheer their Penguins on one last time in Tuesday night's game…and one more chance to "BOO" Marian Hossa, who shunned them last summer in order to join forces with the Red Wings.
But so far in the four games against his former team, Hossa hasn't given Pittsburgh fans any reason to quiet their vocal disapproval of him. Outside of a pair of secondary assists Sunday night, he's been held off the scoresheet. He's been held without a goal during seventeen of the twenty playoff games so far for the Wings and has been held scoreless in the last five games.
The Wings are going to need Hossa to step it up a notch if they're going to get Big Mo to swing back in their favor.
Marc-Andre Fleury stopped 37 of the 39 shots Detroit was able to get through on him Thursday night, this after turning away 27 of 29 last Tuesday in game three. Pittsburgh will need more of that out of him as they head back to Motown over the weekend.
Continuing Conn Smythe Consideration
We've discussed possible Conn Smythe candidates over the course of the past couple days. As you'll recall, I placed Chris Osgood as my front-runner going into the fourth game of the Finals. Obviously there is still a very good case to be made for the Red Wing netminder…however, one Mr. Malkin is making a serious run at this as well with 14 goals and 21 assists so far this spring.
Malkin's performance throughout the playoffs has been both impressive and consistent…recording a goal and/or assist in 17 of the 21 playoff games so far.
No Need To get Antsy Over Salmela
There is one less Thrasher player to me concerned about in regards to their contract status. Don Waddell has accomplished his first contract deal of the offseason, inking defensman Anssi Salmela to a multi-year deal.
And there was much rejoicing!
psssssssst… Hey Don, now that you have that pile of work off your desk, let's get working on that Reasoner guy new, eh?
Weekend Reading Assignments
Darren Eliot writes that smarts and a little luck helped to open the door for Joe Nieuwendyk, the Stars new GM.
Puck Daddy witnesses Octopus brutality while in Pittsburgh.
The NHL's general managers have decided against proposed headshot penalty.
Terry Frei of ESPN.com asks…is too much draft hype a bad thing?
June 8th, 2009
8:39 am
I am full of it, I pulled the numbers out of my buttocks. Just like ASG, DW and most of the bloggers in here. Just to make this clear, I said "MOST" not "ALL"
June 8th, 2009
9:51 am
Wings fan, Bill posted up a two-part interview with former Atlanta Flames player Tim Ecclestone back in May. Part one is here. Part two is easy enough to find from there .
June 8th, 2009
9:52 am
Wings Fan The Flames left because Cousins (the owner) got over-extended on some property-development deals, and then started liquidating all "non-core assets", which unfortunately, included The Flames. Rumor has it that Turner inquired about purchasing the franchise, and due to personal rivalry with Tom Cousins, got flatly rejected.
The Flames never got out of the first round while here in ATL (granted this was back in the day of best-of-3…I think had it been best-of-7 they probably would've in either '79 or '80), and I think that, coupled with the economic downturn (remember gas lines etc. during the Carter years?) and a lack of local (consistent) T.V. coverage spelled the doom of the Atlanta Flames.
I was a kid, so I just remember that just as I was old enough to start going to games with my dad, they were being sold because"that dumb sumb!tch Tom Cousins couldn't manage a troop lemmings off a ledge". Later, I found out about how badly leveraged the Omni ownership group was and how huge the offer from Cal-gary was (a then-record $16M). Attendance did drop the last couple of seasons, but only by like 1K or so-nothing as bad as what Le Thrash have seen. Of course Trader Cliff was told to tighten up the budget and started shipping guys out even before they left. The Lysiak trade stands out as the beginning of the end for some of the fans you talk to-(no idea if players felt the same or not-maybe you could ask 'em @ the Draft Party).
June 8th, 2009
11:05 am
To add to Tony C.:
Cousins was a real estate developer. During the late 1970's, Paul Volcker, the head of the Federal Reserve, had increased interest rates into the high teens. For a real estate developer, high interest rates and leverage spell doom. As a result, Cousind sold the only asset he could monetize for 100 cents on the dollar, which ended up being the Flames.
Attendence did drop somewhat during the last two years for two reasons:
1) Many fans were pissed when Lysiak was traded to Chicago
2) The economy sucked and people were having difficulty just paying the bills with interest rates at 18%. Therefore, discretionary expenses, such as sporting events, took a back seat to living expenses.
June 8th, 2009
11:08 am
Stroz — Did other NHL teams feel that same economic impact on ticket sales during those particular seasons? Was said decline uniform?
June 8th, 2009
11:30 am
As long as Braves managemnt signs players like Kensheet Kowahockey for 3 years/28 million, and release a better player who could only make, at most 3.5 million. We can't be the dumbest people in Atlanta anymore!!!!
June 8th, 2009
11:31 am
ranallo10 and everyone else enjoy:
Please read down to the NHL specific chart on page 5. Notice the spike in attendence in 1980 due to the Gretzky effect. No other sports had the same jump in attendence in 1980.
ranallo10 – Just remember this : Stroz Knowz
June 8th, 2009
11:59 am
Stroz — I never doubted that you Knowz, I was just curious the downward attendance compared to the rest of the league. Thanks for the read, when I get time I'll look into the specifics.

subset: commoncrawl


text:
Autumn Recipe: Brown Butter & Maple Glazed Turnips
Root vegetables never used to register high on my food radar. I have always loved sweet potatoes, but it took me longer to appreciate the virtues of carrots. And to be honest, I had no idea what a parsnip was until my early 20's.
Thank goodness I saw the light. Now I love coming up with new ways to eat all of my favorite hearty autumn vegetables, from butternut squash to rutabagas, and everything in between. Roasted is the obvious way to enjoy them, or puréed into a humble soup. If I'm really looking for comfort, I'll eat them smashed and smothered with butter. But don't forget about glazed! Glazed root vegetables are something you frequently see on the Southern holiday table, or perhaps at a meat-and-three, but it's a shame they don't turn up more often.
Here I took a classic recipe of water, sugar, and butter, and made what I think is something even better. I love the mild bitterness of turnip roots — and they are popping up everywhere at Georgia farmers' markets right now — so I used them as my veggie base. (I also threw in carrots this time, but this recipe is great with any mix of roots.) Then I slowly browned the butter until it was a toasty shade of caramel. Instead of cooking the vegetables in plain old water, I used some rich homemade chicken stock I had squirreled away in my freezer. Lastly, pure maple syrup replaced the granulated sugar, and a splash of cider vinegar rounded out all of the flavors.
The best part about this recipe is that it comes together in only 20 minutes (aside from the chopping), and that's all hands off. The sweet, syrupy glaze and the starchy, bitter turnips are a match made in heaven. Even my non-vegetable-eating boyfriend approves! So whether you are planning your Thanksgiving menu, or just Monday night dinner, give this delicious recipe a try.
Glazed Root Vegetables
1 pounds turnips, peeled and diced
1 pound carrots, peeled and diced
4 tablespoons (1/2 stick) unsalted butter
3/4 cup chicken stock
1/3 cup pure maple syrup
1 tablespoon cider vinegar
kosher salt and freshly ground pepper
In a large skillet or braising pan, melt the butter over medium heat. Continue to cook until it begins to foam and bubble and has a nutty aroma. Once the butter begins to turn a golden brown, add the turnips and carrots and toss to coat.
Add the chicken stock, maple syrup, and cider vinegar to the skillet and cover. Increase heat to high and bring the mixture to a boil; cook for 10 minutes. Remove the cover and continue to cook until the sauce is thickened and shiny, and the vegetables are tender, approximately 7-10 minutes. Turn off heat. Season with salt and pepper to taste. Garnish with freshly chopped herbs, if desired.
Related: Seasonal Cooking: Interesting Things To Do with Turnips
(Images: Nealey Dozier)
Per serving, based on 4 servings. (% daily value)
4 Comments
How much can you reduce butter quantity in something like this before it loses its identity? One tablespoon butter per serving is more than I would generally want to use, but I would love to start doing some glazed root veggies.
@neilw I'd say try using 2 tablespoons and see what happens. I was running in "chef mode" with the butter, and I happen to love the results just the way they are. However, I'm sure there are some folks that would be interested to see if the recipe works with less. Keep us posted!
I made this recipe last night and it was awesome. Loved it! Normally I don't like my veggies to be sweet, and next time I might reduce the amount of maple a little bit, but it was great as is. Will definitely make again - so easy, so good.
This dish is so easy and delicious!! I accidentally used parsnips instead of turnips and it was amazing. So good.


text:
To prepare for software selection and to put all of the pieces together in terms of business and technical open source business intelligence implementation requirements, the following checklists will help you identify the tasks and considerations involved in planning your OSBI implementation.
All Information Management articles are archived after 7 days. REGISTER NOW for unlimited access to all recently archived articles, as well as thousands of searchable stories. Registered Members also gain access to:
- Full access to information-management.com including all searchable archived content
- Exclusive E-Newsletters delivering the latest headlines to your inbox
- Access to White Papers, Web Seminars, and Blog Discussions
- Discounts to upcoming conferences & events
- Uninterrupted access to all sponsored content, and MORE!


text:
Click on the topic below to jump to more information:
» Child Support Paid Form 2014-15
» Information about Withdrawing from Whitworth
» Information about Withdrawing from Whitworth
» Satisfactory Progress Documents
» Special Circumstance Information and Forms
» Statement of Academic Purpose
*Undergraduate Annual Cost Estimator
Verification Forms (back to top)
If your FAFSA application has been selected by the Federal Student Aid Processor for a review process called verification, please be aware of the following. During the verification process, Whitworth will compare the data on your FAFSA with your federal tax return transcripts and the verification form available below .Verification must be completed within 60 days from the start of the term to maintain eligibility for work-study, and must be completed no later than 120 days after the last date of enrollment or by Sept. 29 following the end of the academic year, whichever is earliest, or you will lose financial aid eligibility. Under the financial aid program rules (34 CFR, Part 668), we must review the requested information.
For students/parents who also need to have 2012 or 2013 federal income tax data verified, there are two options:
Non-Year-Specific Forms (back to top)
Special Circumstance Information and Forms (back to top)
Satisfactory Progress Documents (back to top)
Withdrawal Information (back to top)
International Student Forms (back to top)
TEACH GRANT (back to top)
The Teacher Education Assistance for College and Higher Education (TEACH) Grant provides up to $4,000 per year for undergraduate and graduate students who intend to teach full time in high-need subject areas for at least four years. Their schools must serve students from low-income families.
If you think you might qualify for a TEACH Grant or if you want to learn more about this grant, please read the TEACH Grant Fact Sheet linked below. If, after reading the fact sheet, you believe that you might be eligible for this grant, please complete the TEACH Grant Eligibility Form linked below.
Note: For Whitworth students to be eligible, they must be in a degree program (bachelor's/master's). Certificate and endorsement students are ineligible.
TEACH Grant Eligibility Form
(Complete only if you want to have your eligibility for this program reviewed.)
TEACH grant recipients must complete the two online forms mentioned below. (Students who have not yet been awarded the TEACH grant should not complete the following forms.)
Copyright © Whitworth University. All Rights Reserved. | 300 W. Hawthorne Road, Spokane, WA 99251 | Campus Phone: 509.777.1000
Directions | Campus Map | Employment | Pod | RSS | Contact Us | Site Map Pirate Port


text:
Library Services: Course Reserve Request
Course Reserves is a service provided by the Germanna Community College (GCC) Library to provide teaching faculty an opportunity to make books, media and other physical items considered to be required or supplemental course materials available to students in a timely and equitable manner for the duration of the semester. In order to maximize access to these high use and high demand materials, Course Reserve items are available to students for limited loan periods.
Faculty Course Reserve Request


text:
Word: restating
Added on: 2012-06-20 Listened: 16 timesin: Add categories to restating
Pronunciation in English [en] Back to English
- Pronunciation by brenky89 (Female from Canada)
0 votes
- Could you do it better? different accent? Pronounce restating in English
Accents & languages on maps
- Random word: pituitary
Modify word:
· Add languages
· Add categories
Report word:
Is there anything wrong with this word?
Please report it here.


text:
5 Big Stocks Set to Slingshot Higher
Even though the pattern forming in Allstate (ALL) is different, it works for the exact same reasons as Cracker Barrel's triangle. Right now, Allstate is forming a rectangle, a consolidation pattern that's common after a stock makes a large move. Allstate's large move was the gap up that happened after its second quarter earnings call.
In short, a rectangle is just sideways price action that's bounded by a horizontal resistance level to the upside and a horizontal support level to the downside. In Allstate's case, resistance comes in at $38 and support sits at $37. Rectangles are considered "continuation patterns," because they tend to resolve in the same way that price action was headed originally. In other words, the uptrend in Allstate before the rectangle formed suggests that ALL is in store for more upside.
I'd advise against trying to be early on the Allstate trade. With shares just under $38 resistance, a breakout is likely soon to come. Declining trading volume over the course of the pattern adds some extra evidence of that.
Select the service that is right for you!COMPARE ALL SERVICES
Action Alerts PLUSTry it NOW
Jim Cramer and Stephanie Link actively manage a real portfolio and reveal their money management tactics while giving advanced notice before every trade.
Product Features:
- $2.5+ million portfolio
- Large-cap and dividend focus
- Intraday trade alerts from Cramer
- Weekly roundups
TheStreet Quant RatingsTry it NOW
Only $49.95/yr
Access the tool that DOMINATES the Russell 2000 and the S&P 500.
Product Features:
- Buy, hold, or sell recommendations for over 4,300 stocks
- Unlimited research reports on your favorite stocks
- A custom stock screener
- Upgrade/downgrade alerts
Stocks Under $10Try it NOW
David Peltier, uncovers low dollar stocks with extraordinary upside potential that are flying under Wall Street's radar.
Product Features:
- Model portfolio
- Stocks trading below $10
- Intraday trade alerts
- Weekly roundups
Dividend Stock AdvisorTry it NOW
Jim Cramer's protege, David Peltier, identifies the best of breed dividend stocks that will pay a reliable AND significant income stream.
Product Features:
- Diversified model portfolio of dividend stocks
- Alerts when market news affect the portfolio
- Bi-weekly updates with exact steps to take - BUY, HOLD, SELL
Real Money ProTry it NOW
All of Real Money, plus 15 more of Wall Street's sharpest minds delivering actionable trading ideas, a comprehensive look at the market, and fundamental and technical analysis.
Product Features:
- Real Money + Doug Kass Plus 15 more Wall Street Pros
- Intraday commentary & news
- Ultra-actionable trading ideas
Options ProfitsTry it NOW
Our options trading pros provide daily market commentary and over 100 monthly option trading ideas and strategies to help you become a well-seasoned trader.
Product Features:
- 100+ monthly options trading ideas
- Actionable options commentary & news
- Real-time trading community
- Options TV


text:
Have you seen the new shields for the Arduino Nano?!
Posted by Lance | Posted in Uncategorized | Posted on 03-08-2011-05-2008
My first Arduino was the Nano (although a couple of months ago I did buy an Arduino Uno). It's compact size & layout makes it great for those projects that need a breadboard–I just feel like I always have to make sure that the Uno isn't going to pull itself free from the wires when I use it! The big disadvantage (until now!) is that there weren't any shields available for use with the Nano.
I've been looking quite a bit online to acquire parts for my soon-to-be-rocket GPS locator system & happened upon the Gravitech website, the folks who make the Nano, as I was searching for a XBee shield or board to easily interface with my Arduino.
Not only do they have a XBee shield, they also have ethernet, audio, USB host, & motor shields! I was blown away with these designs & how compact they are. Just like the Nano…
The shields, unlike the ones for the Arduino Uno/Deci series, go underneath the Nano. There are header pins so that you can still plug the shields into a breadboard. Another advantage to the Nano shields is that they have a power block to give you an alternate method to power your project instead of using the Nano's USB port.
I couldn't order the XBee shield fast enough. However, I looked around the Gravitech site for anything else that might strike my fancy. As recently announced over on the Adafruit website, . While I already have a 16×2 character LCD, I added a 20×4 character LCD for a mere $14 before checking out.
I should also mention that I opted for the cheapest shipping option, parcel post. Well, I received an email the next day that my order had been shipped & a box was waiting for me in the mail only 3 days later. Not bad considering it traveled from Nevada to Florida in that time. There were a trio of colored LEDs & a cool sticker in the box too. Awesome!
I spent a little while soldering the (included) header pins into the LCD before testing it out with my previously configured LCD breadboard setup. The LCD from Gravitech did not include a 10k ohm potentiometer for adjusting the contrast, but of course I already had a couple from my other LCD. It works great & the colors of this one (black text on green) will be great for use in my rocket locator project because I can easily read the screen without the backlight.
Now I really am itching to get the remaining parts. I know what I want, but there's a particular XBee that is more powerful & much harder to find in stock anywhere. Once I get them though, I'll post more about the rest of my project.


text:
September 4, 2012 - As businesses in the Gulf Coast are finding out again, having a disaster recovery plan is critical to a business' survival. According to the "Gulf Coast Back to Business Act (2007)," 43 percent of businesses that close after a natural disaster never reopen, and an additional 29 percent permanently close within two years. However, in the wake of the ongoing financial crisis, many disaster recovery plans are now out of date, says Victor Janulaitis, CEO of Janco Associates.
All Information Management articles are archived after 7 days. REGISTER NOW for unlimited access to all recently archived articles, as well as thousands of searchable stories. Registered Members also gain access to:
- Full access to information-management.com including all searchable archived content
- Exclusive E-Newsletters delivering the latest headlines to your inbox
- Access to White Papers, Web Seminars, and Blog Discussions
- Discounts to upcoming conferences & events
- Uninterrupted access to all sponsored content, and MORE!


text:
How I Bought an 8-Unit Apartment Building with No Money Down and Walked Away with $1000 Cash at Closing
Published on - January 19th, 2010 (by Adam Baker)
This article is by staff writer Adam Baker. Baker recently outlined his ambitious 2010 goals for his blogging, business, and life.
When I was 23, I bought an eight-unit apartment building with no money down. And I walked away with $1,000 cash at closing! Sounds pretty fancy, right? Wrong.
It was one of the dumbest (and riskiest) moves I've made in my young life.
I escaped without a scratch, but it was due to an over-sized dose of sweat, tears, and luck. None of it was due to savvy investing skills.
The sound and the fury
I was 23 years old and had just earned my real-estate license the previous year. My first couple of months were spent buying and selling a few upper-end units for individual homeowners. The commissions were decent, but as a new Realtor my split with my company was high. To complicate the problem, I had financed my association, training, and union fees to get started. (This was before I had decided to cancel my credit cards.)
After several months, I began to work more in the booming foreclosure and short-sale markets that were plaguing central Indiana. Out-of-state lawyers, doctors, and other high-income earners (mostly from the West Coast) were swarming our local market.
They were buying up $30,000, $40,000, and $50,000 houses like they were toys — albeit over-priced, over-financed, and only half-functioning toys at best. With rents ranging from $400-$1000, they simply couldn't resist what their spreadsheets were telling them the return would be. They bought many of the homes site unseen and used the first real-estate company that would sell to them.
We represented a lot of the banks that had no idea about the local market prices, nor the current condition of their properties (even after we told them several times). Well over half the deals fell through. Either the banks were too unrealistic to negotiate, or a closing would be interrupted by the discovery of a mystery lien, a second mortgage no one knew about, or some other problem with the title that we didn't even know was possible!
It was harder work for lower commission, but there were hundreds upon hundreds of properties, which helped even out the paychecks from month to month.
Property management comes calling
After most of the out-of-town investors closed on their new rentals, they began searching for a company to manage/rent them. After several dozen requests for an affordable and trustworthy property management company (and no clear-cut option), we decided to start offering the service ourselves.
I joined forces with a broker who spent his time focusing on acquiring more leads for buying/selling. I set about figuring out how to actively manage and rent the vacant units (which almost always needed repairs first).
Since many of our clients were repeat customers already, they were ecstatic to have the option of having their properties managed by us in-house. Within just six months or so we had over 125 units under management.
I was working countless hours and answering the most bizarre phone calls you can imagine at all hours of the night. Overall, though, we were turning a profit and looking for ways to scale our system over the next couple of quarters.
A perfect storm
As part of our networking and lead-generation work, we regularly attended private meetings where local brokers would pitch each other their current clients wants and needs. In one particular meeting, another broker was pitching one of his own properties for sale. It was two side-by-side four-plexes (eight units total) with each unit being one bedroom. It was in a low-income part of town, but he was only asking $125,000 for both properties.
"$125,000 for eight units?", I thought. "There has to be a catch."
There was. Seven of the eight units had tenants, but only three had any history of paying on time. Even after kicking out any non-paying tenants, each unit would need a couple thousand dollars of work to get anything decent in rent. In addition, there were four furnaces in total all of which were probably made in the 40s or 50s.
In other words, it was a project by anyone's terms. It would require some up-front repairs, several months of eviction filings, court visiting, and re-showing the units, but… "$125,000 for eight units!"
If only someone would loan me the money…
I dug deeper and deeper into the numbers. I was already managing property, coordinating repairs, negotiating prices on materials, and renting units for dozens of other clients. It made sense that if I could get a loan, I could plug a property right into this current system I was running.
That was a big glaring issue, though. Neither my partner nor I was credit-worthy in any sense of the word. The chance of me getting approved for a mortgage was zilch (let alone a non-owner occupied, low-income commercial loan). With regret, I pushed the property to the back of my mind and continued about the process of building the management business.
At our next networking meeting, though, we caught wind of some additional news on the properties. The broker who owned them was in serious trouble on about a dozen different pieces of real estate. He owed $76,000 on both the buildings, which were financed through a popular investor/hard-money lender.
The private lender was getting scared that the investor would soon default (giving the lender a property he wanted nothing to do with) and the owner was only looking to get out of the property, so he could focus his energy on his salvaging his other properties.
Without much thinking, we pulled the trigger.
A bold offer
We called up the private lender (an individual) who was currently financing the properties and pitched him the idea of us taking over the loan and purchasing the property from the current desperate owner. We offered to both sign onto the loan, giving the investor two names opposed to the one he currently had and showed how we would remedy the situation, evict all the tenants, and plug it into our management system.
Neither of us had a penny to our names, so we even had the guts to require that the private lender actually invest more money into the property. In order for us to take it over he'd have to loan us an additional $15,000 to replace the furnaces and repair two of the units after evictions.
It was a bold offer. We'd give nothing but a management plan and our signatures on a $91,000 private mortgage (at 12%) for eight units and a $16,000 cash loan. The lender must have known even more about the current owner's dire circumstances then we did, because he took our offer. The current owner was happy to get out for what was owed, and within the week we sat down to close.
After the paperwork was signed on my first-ever real estate purchase I was handed a $1000 check (for prorated rents/deposits for the month). I gave nothing tangible, just my worthless signature, and walked to the bank to deposit the money.
"So this is how real estate works", I gloated. "I could get used to this."
I had no idea what was in store…
To be continued…
J.D.'s note: This is a glimpse into a world I've always wondered about. Though Kris keeps trying to dissuade me, I have a fascination with rental properties. I look forward to reading part two of this story. And although GRS is not about to be come a real-estate blog, this Sunday's reader story is actually about how one of you folks decided to take the plunge by buying a rental property, so we're going to have a mini-theme here for a week or so…
This article is about Advanced, House and Home, Investing, Real-Life
Wow! That is crazy, Baker! It's a life experience, though.
Talk about a cliffhanger…when is part two going up?
Its nice to have rental properties as a source of passive income. ^_^
Very risky though if you have to borrow money. As much as possible I try to avoid debt.
Kris is right! But it is also a really important topic. I almost took a real estate class once in college (but dropped it), and one of the students was actually an artist — he said he was in the class because a lot of his artist friends make their regular income from real estate. It's a fair game. But Kris is right, it's really bad news a lot of the time!
I had landlords (a husband and wife) last renting round who owned about 4 units around town; they were teachers who counted on it for a more steady income. But, they also apparently didn't have much business skill. They made a verbal contract (email, actually) that I would be paid to move out early, then reneged the day before my moving company was to move me out (so costs were very much sunk — moving co., new apt half-month fees, etc.). I was out a lot of money if they got away with it. So I sued in small claims court, and won. At the hearing, it became clear that they had no idea that a verbal contract was just as much of a contract as a written one! I don't expect all landlords to be big business people, but they need to have at least some sense of the fact that it is a business arrangement, and all that that entails.
Sitting at the edge of my seat. DH and I have 2 rental properties right now that have gone pretty well so far. We're not profitable, but we're not bleeding or dealing with deadbeats, either. DH is a member of the local landlord association, which provides some very interesting information, so we're overcautious, if anything.
I can see a few clues of where Baker's experiment is going to go off the rails, but I wait for the next installment.
I really enjoyed this guest post! Can't wait for the next installment.
My boyfriend's family thinks rental properties are THE way to make money on the side. I'm not convinced, so it's good to read about others' experiences.
I'm looking forward to the next post as this is an area I'm interested in. Not so much the landlord part, but perhaps buying condos during the building phase and selling once they're built.
Real estate has always intrigued me, as well. I am looking forward to the next installment!
I like this, since so many tout the virtues of property ownership and the ease that the money will roll in. It takes hard work to learn the ropes, and get to the point where it becomes second nature. Yes, years later, after much blood, sweat, and tears, it can pay off, but I don't have the patience or discipline to wait that long.
That and making my taxes much more complicated.
I love the rental game. I learned by watching my parents that there is no short cuts though. You have to put at least 10% down, screen potential tenants hard and be consistent with everyone. If you give to one the others will find out. You also need to keep the maintenance current on it. Go to a lawyer or friend in the business for a contract its a must have item.
Over all though it's a wealth building machine if done right.
I would never buy into the low income areas though because people just are not dependable with rent and destroy to much.
i can't beleive you that! i can't wait for part two! my parents were landlords….not fun!
"To be continued…"
I can't wait!
To be continued…
This post was more exciting than an episode of "24″.
Great story – I can't wait to hear more.
My husband and I have been in the real estate game for about 7 years now. We have had some properties make us a lot of money, and had one that lost us money (though not a lot, thankfully). It takes a lot of time and effort, and we ended up selling most of them because of changes in our job and life situation that required more time at home. We are still the owners of two tenanted homes, including our own (we have a basement renter).
It's really the tenants who can make or break the situation, so my advice to anyone renting would be to do your due diligence up front. Screen your tenants, get references and call them, do a credit check, etc. The unhappy part of this is that even good screening does not always catch the "tenant from hell".
We have an incredible tenant in our three-unit building who has taken over many of the management jobs in return for slightly discounted rent and use of the backyard garden and storage space. We have provided him with a list of our approved workers (plumbers, HVAC, etc), and if issues come up, he deals with them after a quick call to us for an update and go-ahead. I would highly recommend this to anyone who felt they had a tenant responsible and willing to do this for you.
Can't wait to hear the rest. At first read, it sounds like a good investment. But, based on your tone, I'm guessing that it doesn't end good.
Looking forward to part two. After hearing how easy it is on commercials, I enjoy hearing the more realistic side of the story.
Looking forward to the next installment.
I agree with JKC — you need to know your stuff. This is a business just like any other. My older brother owns 3 rental properties, and he makes just enough from them to pay his mortgages and put a little away for emergencies. He's still glad he bought them, tho, as they'll make profit eventually for him and don't cost him anything (he has a management company, although he did manage them when he lived in the local area).
On the other hand, my parents delved into renting their house with no prior experience with renting — the last time they had rented was 30 years ago! They didn't even bother to call my brother or me (an experienced renter) to ask for advice. They ended up charging way too little on security deposits ($500 on a house that rented for $2,500 a month), didn't check their tenants thoroughly, and really got screwed in the end. The renters ended up leaving bedbugs and a very dirty house behind, and they never paid for the cost of treatment. My parents just barely broke even because they had charged a lot more for rent than their mortgage.
Know what you're getting into. You could be lucky and have things just work out . . . or you could get screwed. Just like any business venture, I suppose. Best to be prepared.
If you just take the highlights of this it is a great lesson.
Business + Inexperience + Debt = Problem
I am with JKC, commenter #10.
And I am willing to bet that this story comes out ahead – the price is good, and the author, though cash poor, has the knack for it.
Rental property is the ultimate in get rich slowly techniques. I was surprised when I first found this blog that rental property wasn't what it was about – the saying in real estate (apart from "location, location, location") is "Don't wait to buy real estate, buy real estate and wait".
And everything takes work. How much effort does it take for a person to get up and go to work every morning? Do you think that it takes more or less effort to own four or five rental homes? (Answer, significantly less!).
I too am excited to hear the end of this story, but I bet it ends well – and I bet the property is cash flow positive. (just as mine are).
I lived this same nightmare myself for three years: an apartment building in a low income neighborhood. The worst mistake one can make in real estate is to become emotionally vested with the people you think you are going to 'help'. Let me tell you that there is a large swath of the low income community who does not want to be 'helped' and instead will continue their pattern of destroying anything good that may come their way. I already know where your story is going and how it ends. All I can say is that it will take you some time to recover from that experience, not just financially but EMOTIONALLY too. Reading your story today has dredged up the emotions I usually keep buried regarding my own apartment building debacle, especially the simmering anger that remains at my own ridiculous foolishness. There will definitely not be a 'next time' for me when it comes to low income rentals.
One fallacy about owning a rental unit is that it is a great "passive" investment. Unless you are going to immediately turn it over to a property manager it is a business, not an investment. You don't buy a house like a stock and just wait for the dividends/rent to roll in. And if you ARE working with a management company there are ongoing costs and other pitfalls you have to be aware of or you could wind up in a deep hole.
People who try to pitch the idea of being a landlord often tout the fact of leverage: you CAN purchase a $100k+ house with very little down. But the flip side of that is that, no matter what happens, you are on the hook for that money! If you buy a stock and the company goes belly up you lost the money you used to buy the stock. If you buy a house and a renter completely destroys it in a way that your insurance won't cover, you have to cover it or deal with the bank that wants their money. I have known a number of landlords who declared bankruptcy because they didn't have sufficient capital to cover the damage caused by renters or the expense of an extended vacancy.
You also need to keep in mind that you are turning over that $100k+ asset to someone you don't really know, or worse someone you DO know. And once they have a contract in most states they have more claim to the property than you do. Unless there is a situation that poses an immediate threat to the state of the property (fire, flood, etc) you can't enter without permission. It doesn't matter if they haven't paid rent in months, and yes, they can get away with months. I learned that the hard way working through my own eviction. The horror stories don't always happen, but you NEED TO BE PREPARED FOR THEM. When all was said and done last year I collected $2000 in rent (in the whole YEAR) on a $1250/month mortgage. The rest had to come out of my pocket. That doesn't include repairs or fees paid to the management company I hired over the summer.
Finally you have to have the personality for it. Even if you hire a manager you have to be able to go in with an attitude of "This is MY property, you work for me." Not, "You're the expert here, so whatever you say is how it must be." And if you manage it yourself you have to be willing to be mean. You have to be willing to kick people out who will look at you with tears in their eyes saying, "But where will I GO?!" You have to be ready for the sob stories that are all true and say, "I feel for you and wish you luck. But you have until the 5th to pay your rent or you will be evicted."
With all of that being said I am glad I tried being a landlord for two reasons, one is that like many of you I had the bug and I was going to try it sooner or later and it's best to start [relatively] small. I can't imagine starting with 8 units like Baker (though he already had some management experience). The second is that I have learned so much, both about running a business and about myself.
Finally I would say that if you ARE seriously thinking about getting into the market, contrary to popular opinion now is a GREAT time to get into the market because so many people are panicking and selling low. You don't want to get into the game when everyone else is. The rental market is soft in most places, but it will get better as the job market improves because fewer people are going to be able to buy a house than could 5-10 years ago. They have to live somewhere. Right now they are bunking with parents and such because many don't have jobs, but that will turn around.
Like I said, it's an entrepreneurial move. And I have met many people who find a great renter who pays on time and stays for years. As long as you keep in mind the relationship between risk and return you may do very well.
so he just kicked out poor residents who were already having a hard time making rent payments??
sounds kind of mean… Just my $.02
You're right! He's a meanie for throwing those poor people out!
How utterly heartless of him not to take care of them and cover their rent with his own money!!
What's your address?
I'll send them right over!
……crickets chirping………
Socialism is great until you run out of other peoples' money
- Maggie Thatcher
Can't wait to read part two! This has sooo lifted my spirits!
Great story Baker! I can't wait to read the second part.
These kinds of real estate deals seem to be a US only phenomenon. It is much harder to assume mortgages in the rest of the world.
I am always amazed at what a free-for-all the American economy is. I guess that is why Silicon Valley is so successful. It is probably also why Wall Street is such a mess.
Ugh… we just rented our house for a year while we're away and it was a nightmare, even though so far our tenants (who are paying less than our mortgage) and management company have been fine so far. We avoided a lot of nightmarish people along the way and I understand why we, as good tenants, were able to get a good deal on the place we're currently renting. I would not want to deal with this hassle on any sort of long term basis. Not my favorite way to make "passive" income. I know someone has to do it, but I'd rather not have that someone be me.
I had to sound cruel and heartless, but it sounds like he was trying to start a business and not a charity. Should he have kept tenants who were having a hard time making payments that would help cover his loan and maintenance costs and help him make some money? Should low income renting be a non-profit?
Can't wait for Part II.
However, I sense impending doom.
Great Post! I've just recently become aware of the investment potential of rental property, as well as the tax benefits if you take the time and effort to set-up a proper business. Please keep more posts like this coming and let's all continue to explore the vast investment potential rental properties offer! Thanks!
Nice writing style. Can't wait for the rest.
Hey dave, can I borrow some money? I won't pay it back because things are really tight, but it would be mean for you to ask for it back when I'm so hard up. I mean I'm going to be evicted if you don't give me money, so if I wind up on the street it's all your fault for not paying my bills.
That is the same logic as saying someone shouldn't be evicted. They/you are insisting that the landlord pay their housing costs. It's no different from asking anyone else to pay for their housing. If you want to be charitable go ahead, but implying someone else should unwillingly bear costs is stupid.
Of course that assumes you were serious in the first place, which I seriously hope you weren't.
I bought my first house @ 22. I had 2 roommates who paid the mortgage, utilities and a monthly house cleaning service (literally – they wrote the checks every month in exchange for a small discount on the rent). I would say it was one of the best financial decisions I have ever made. I did NOT know the roommates before living together — but I screened 5 different potential roommates before finding the right pair. Oddly enough (I don't know why), many of my friends made fun of me for this move (don't know why).
I am now married (24) and the roommates are gone (I tried to convince my wife to live like that for another 2 years to pay the house off – but she wouldn't go for it…). This was a wonderful experience. This is a great way to enjoy extra income while you are young (or old) – you own the house – you live in the house – and you have roommates who pay for the house. Awesome!
I guess I would plan on owning rental property in the future – but with the knowledge that you make your money on the purchase price (don't assume unlimited appreciation). Great article btw (love how it is written)!!!
Real-Estate investing using leverage (borrowed money) is insanity. It would be like maxing out all your credit cards to buy shares of only one stock.
The only case where it makes sense is if the investment is a small part of your portfolio.
Buying a house as opposed to renting is different, since in that case, the move is to reduce the cost of having to live somewhere, i.e. with a small chance of turning the cost stream into a mediocre return.
Good story. I'm looking forward to the conclusion.
Seems like they took on way too much risk.
Rentals can be a good investment. But you don't want to bite off more than you can chew and its risky. You really have to be aware that its more of a part time business than an investment.
I think the best advice for potential landlords is to really crunch the numbers and make sure you end up with positive monthly cash flow. Sure, you MIGHT profit handsomely upon sale because the rental property appreciated in value over time, but you might not. I say that as someone who owns rental property purchased pre-housing crash that is worth dramatically less than it was at the time of purchase.
JKC comment #10 makes very good points.
Shara (#23) wrote, "One fallacy about owning a rental unit is that it is a great 'passive' investment. Unless you are going to immediately turn it over to a property manager it is a business, not an investment."
My husband owns a three-unit rental in a university town, and we do our own property management. Yes, it is a business and it is work — much less work than a 40-hour-a-week salaried job, but work nonetheless.
@dave, I don't know details about evictions and what not, but it seems that they could be kicked out but then reapply imediately. yes you have to scrounge for a temporary place to live but they have to do that anyway. Sometimes it's best to start with a clean slate.
@ Nate, my uncle did exactly that. He had 2 roommates for a while, then 1, then he got married, and eventually the 1 roommate moved out and he lived there with just his wife for a while. (they've since sold it and bought one they could raise kids in.) It seemed like a brilliant idea to me; cut the costs of home ownership without giving up any of the benefits. At least one of the roommates was previously and is still a good friend.
My neighbor tried it, but she must have personality problems as she has gone through more roommates than anyone I've known since college.
@ Jenzer
We decided to turn our rental over to a manager in large part because of the hours involved even more than the headache or even the work. There are many things that can only be taken care of during business hours. After taking a lot of vacation in order to show up in court repeatedly for a difficult eviction we decided it was worth a cut to allow us to concentrate on our primary jobs.
I believe that ANYONE pining to get into the real-estate business, or to simply enter the business world in general for that matter should read COMMENTARY #10.
It was excellently deailed and accurate, a very effective template to be utilized to gauge your risk, guide your desires and future endeavours.
Looking forward to part 2 Adam.
We want part 2!
My wife and I did our homework but we failed to adequately assess our emotional tolerance for being landlords. We bought a 4-plex in SE Portland 5 years ago and it was the worst experience of our lives. Luckily we got out in 2006 before the crash.
You better have an extremely strong stomach to be a landlord. Hiring a good property manager was a life-saver.
If you're interested in getting into this I suggest you go down to the local courthouse and sit in on a morning of landlord/tenant trials. As I remember, they have a separate room for these disputes b/c there are so many of them. Look at all the landlords faces. If you are comfortable with your face looking like this, then proceed to commentary #10.
The best thing about this experience was that it made us really appreciate the life we already have.
Adam, can't wait for part 2. Real estate rentals are definitely not passive. The closest thing to passive is when you have a management firm handle things for you. We do this with a short term beach rental and its as easy as talking to the manager about once a year. Good cash flow but they take 30% off the top, but we would never be able to fill it at the rate that they do and it's worth not having to deal with out of state people issues.
We just did a Stocks vs. Real Estate on LiveCheap and went through a lot of the concentration, tenant, leverage, etc. issues. The thing that is always true is that you can make an absolute killing on a concentrated position: whether it be a privately held company, rental properties, or having 100% of your portfolio in Apple. You can also get killed. The difference in rental properties is every time something goes wrong, you can muster your personal efforts to make things right again. It is that personal effort that is a zero recorded cost that gives you much of your return. In some ways, its like getting a part time second job and your salary ultimately gets paid in rental income and appreciation.
@jd: I don't agree that leveraging to buy real estate is insanity, it depends on your loan terms, skills, experience, and the cash flow of what you are buying. Some people are handy, deal well with people, and like being landlords.
@ 26 – John,
Depends on what part of the world you are talking about … in the UK, this is wide-spread and it is regular for people to declare bankruptcy because they are unable to pay the mortgage using the rent.
Evidently, it was starting to happen across the Channel in mainland Europe. Plus, don't forget that this is what happened in Dubai and much earlier (a decade ago) in parts of Asia.
Thanks for all the props. I love your comments Kenny (#44) and I think LiveCheap (#45) is right on.
I like to think that most days I am smiling, but I agree that nobody looks good when they are in landlord/tenant court.
When you do have the opportunity to take a real estate investor out to lunch, ask a few things like: "What do you like best about the job, what do you like least, and what is your 'typical day' like?"
You will find that most people who have a small number of units spend very little time managing their property. The time spent is important, and cannot be ignored, but as several commenters have suggested – it is not a full time job. If you do it right, on most days nothing breaks. On most days, the rent is not late. On most days you don't have to deal with evictions or cracked sewer pipes. BUT, there are some days you WILL have to deal with these things. They cannot be ignored, and nobody cares more about your investment properties than you do. I recommend you do your own management at first (seasonal rentals are an exception).
If you can't stand the idea of evicting someone who is not paying the rent that you agreed upon in writing at the start of the lease, then don't become a landlord. If you can't stand being responsible for the roof over someone else's head, then don't become a landlord. Own up to the responsibility.
If you can be fair and firm and honest and dedicated to your business and have a little bit of time to spare and a little bit of money then you might be a good candidate to become a real estate investor. This is definitely a "third stage" occupation for those of you following this blog. It can also transition very nicely into "fourth stage" FI if you do it long enough. Imagine the day when your mortgages are paid off, and you have X number of units paying you market rent for houses or apartments that are well maintained and require relatively little of your time.
This is great…thank you for posting. It isn't just about real estate. This is a great post about the emotional thought process we go through when making big financial decisions.
I'm a a bit schizophrenic on this topic. I'm a real estate agent in California (and about to get my Oregon real estate license ahead of a move), yet I have no interest in home ownership myself. On the other hand, I'm very tempted to invest in rental income properties at some point.
I think a good way to enter this arena is to maybe buy a triplex or fourplex to live in while renting out the other units.
Great post!
This is a timely post for us. We live in France. It took us 18 months to get an eviction order for a tenant who stopped paying rent. (Insurance covered the rent, thankfully). She left before she was evicted and SMASHED THE PLACE TO BITS. A 33K reno later, we are still waiting for our insurance settlement after which we should be about 12K out of pocket, just for the reno. We should get the money next week (fingers crossed).
It has been five months of stress and sleepless nights. But the apt has more than doubled in value since we bought it in 2004 so we are hanging on. It seems crazy to go through all that and then sell it. Happily I think these horror stories are a minority, and it seems that drugs were involved with this one. The tenant changed radically in the six years she was there. First two years she paid well, second two years she paid badly. We should have been more pro-active but we knew once we started eviction proceedings she would stop paying altogether, so we actually waited until we were in a better financial position (we did not know then that her rent would indeed be covered by insurance).
We did not trust ourselves to find a good renter when we purchased so we used the agency's PM. Hah!
If things go badly, you need nerves of steel. We have two rentals, thankfully the other is problem-free.
Here you can get insurance for non-paying renters, since it can take 24 months to evict. Otherwise I don't know how we would have managed.
If you do your homework it can be a good way to build wealth, but it's rarely trouble-free. I consider it my "second job" (I have had to manage the PM for the past three-four years, and deal with the contractor and insurance company for the past five months).
The key is to "buy smart". Happily we did. ("Rent smart", obviously not so much.) Also, if you are handy and if you have the skills and time, you can save a lot of money on repairs and maintenance.
I think your posts are spot-on!


text:
WASHINGTON • Human feces taints more than half of public swimming pools, a finding U.S. health officials are using to urge better personal hygiene as the summer months approach.
E. coli, which indicates the presence of fecal matter, was detected in 58 percent of samples taken from pool filters by the U.S. Centers for Disease Control and Prevention, according to data released Thursday by the Atlanta-based agency. Pools frequented mostly by children were more likely to test positive for E. coli, which can cause stomach and respiratory illness.
|Join the Discussion
|Post a Comment
Municipal pools open to all were worse than public pools requiring membership, the CDC said. Acute gastrointestinal illness related to recreational water sports has substantially increased since 1978, with diarrheal incidents and other poor swimmer hygiene being a major contributor, the CDC said.
"Finding a high percentage of E. coli-positive filters indicates swimmers frequently contaminate pool water when they have a fecal incident in the water or when feces rinse off of their bodies because they do not shower thoroughly before getting into the water," the agency said in a statement.
The CDC tested pool water from filters around the Atlanta area in June through August 2012. It's unlikely that swimmer hygiene differs in other areas, the CDC said.
E. coli was in 70 percent of municipal pools tested and 49 percent of pools that require membership or are at a club. The bacteria was detected in the same percentage of pools whether they were outdoor or indoor, the data show. Pools used primarily by children tested positive 73 percent of the time.
Pseudomonas aeruginosa, a bacteria that can cause rashes and ear infections, was found in 59 percent of the pools sampled, the CDC said. The contamination comes mostly from dirt, either from humans or pool toys, and underscores the need to clean pools and keep chlorine at proper levels, the CDC said.
The CDC recommended swimmers shower with soap before getting in a pool, don't swim when they have diarrhea and wash their hands with soap after using the toilet or changing diapers. Also, don't swallow pool water, the agency said.
Copyright 2014 The Salt Lake Tribune. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.


text:
Select Resources
Begin looking for dental technology materials by browsing our collection in the call number range RK. In most cases you should try to use materials published within the last 5 years.
Find Articles
A complete list of all of the library databases, help sheets, and tutorials is available.
The following databases contain professional peer-reviewed journal articles.
Finding Dental Journals at MCC
- EBSCO Dentistry and Oral Sciences Source
- Health Reference Center Academic
- Vocational Biographies(On Campus Resource Only)
Print Journals in the MCC Librararies
These as well as other dental journals are available in the MCC Lowell Library.
We have electronic subscriptions to: Journal of Dental Hygiene , the Journal of the American Dental Association and the International Journal of Dental Hygiene
(Use EBSCO - CINAHL to search for articles in these and other journals owned by MCC)
If you have problems accessing MCC databases take a look at these adjustments that may need to be made to your computer. A library card is NOT required to access library databases. Please look at these suggestions if you are prompted for your library card number. A library card is only necessary to check out or renew books.
Complete Guide to Troubleshooting
- Clearing cookies, files and history Internet explorer version 7 and above
- Enable Session Cookies(Try this first) Internet explorer 6 or 7
- Modifying security settings
- Popup use with MCC databases
- Trusted sites
Ask us a question!
Click on the "Chat is Online" button to chat with a librarian.
Click on the "Chat is Online" button above to chat with a librarian.
If closed, a library staff member will respond when we re-open.
How to Reach Us


text:
Definition of uncompressed in English:
uncompressedSyllabification: un·com·pressed
Pronunciation: /ˌənkəmˈprest /
(Of data) not compressed.
More example sentences
- The resulting email system has operational costs for international email transfers below $10 per megabyte of uncompressed text.
- Its entire source tree is just over 1MB in size, fully uncompressed.
- Certain users may only want particular resolutions or compression ratios (e.g. a serious researcher may require an uncompressed high resolution image).
Definition of uncompressed in:
- The British & World English dictionary
Get more from Oxford Dictionaries
Subscribe to remove adverts and access premium resources
Word of the day fioritura
Pronunciation: fɪˌɔːrɪˈt(j)ʊərə
an embellishment of a melody...


text:
There's many traditional ways to find love — churches, bars, work, cute bail bondwomen — but online dating has really taken off and has pretty much gained acceptance as being non-embarrassing.
But at least one company is bringing back the shame.
WhatsYourPrice.com sent a press release saying ATLiens spend an average $128 for a first date on the site, which "incentivizes … attractive members" to auction first dates to "generous members" who may otherwise be overlooked on traditional dating websites.
Atlanta is full of high rollers. A first date here is worth almost 50 percent more than the national average of $80.
"Women are willing to invest into a first date if the opportunity gives a worthwhile incentive," says Brandon Wade, the CEO and Founder of WhatsYourPrice.com.
The website has a convenient video showing how attractive users can date generous people, but "escorts are not welcome."
Other Georgia cities listed include Marietta ($127), Lawrenceville ($104), Decatur ($95), Columbus ($90). Almost 7,000 Atlanta women created "first date" auction listings in the last year, according to the press release.
Another way to get paid online: Google unleashed a flurry of news on updates to its myriad services — but what caught my eye is that Google Wallet now "makes sending cash to a friend as easy as sending an email." That's pretty huge, and will surely get the attention of eBay/PayPal. GMail users will soon be able to send money just like an email attachment, the search giant says. The service is being rolled out soon and will be free if the funds are from a bank account.
Caprica founding delayed: Small, broken wheels on NASA's $600 million Kepler telescope have created a big problem. The planet-hunting machine orbiting the Earth can no longer accurately aim as it scans the cosmos for our next home planet. Kepler, named after the dude that figured out planets orbit stars, has located 132 confirmed planets orbiting other stars since 2009. It has also detected another 2,700 or so likely planets. It has found so many that scientists now surmise most stars have multiple planets. Kepler orbits the sun at 40 million miles, too far away for a quick visit by an astronaut repairman.
Poor excuse: A California man upset that Abercrombie & Fitch markets its clothing to "cool kids," while actively excluding the "unattractive and overweight," is fired up and out for revenge. In 2006, A&F CEO Mike Jeffries, who may use Joan Rivers' plastic surgeon, said, "We go after the attractive all-American kid with a great attitude and a lot of friends. A lot of people don't belong [in our clothes], and they can't belong. Are we exclusionary? Absolutely." Greg Karber, who must consider himself unattractive, is leading a campaign that hands out used duds to the homeless in an attempt to make A&F "the world's number one brand of homeless apparel." Supporters are using the hashtag #FitchTheHomeless on Twitter, but I have to wonder about a crusade of the alienated trying to make a point by alienating yet another group.
May 16th, 2013
11:06 am
Was the website renamed from "I'm a shallow twit and I'm whoring myself out for money"?
No seriously, if I ever found out someone I was dating or in a serious relationship with was on this site, or anything like it, it would cause serious issues. What is the legal difference between paying (bidding) for a date and paying for a prostitute? No really, what's the difference?
May 16th, 2013
2:38 pm
Ha, I have a first date tonight…albeit not through this site. I won't spend $128, but I'm sure I'll end up between $75-100 when all is said and done…Too much? Nah, she's hot!
May 16th, 2013
2:44 pm
I usually buy dinner and flowers and spend around $120 so the website is correct,
May 16th, 2013
3:18 pm
How bout me? 20 dollars, folks!
May 16th, 2013
5:00 pm
At least the feud has a positive purpose. The homeless are getting clothes!


text:
Travel Light, Travel Easy, Travel Smart and Remember . . . Self-Entitled Attitude is a Bad Idea
The last time I looked carefully at the loads that typical travelers are hauling around, I shuddered. It seems to me that - unscientific observer of this that I am - as air travel has become increasingly onerous each year for the past 20 years or more, so too are travelers not getting the message as clearly as they should be getting it. Travel light, travel easy, travel smart and stay humble.
Travel Light. Whether you're on an organized tour, a private exploration, a safari, a walkabout in the heart of some European cities, a shopping blitz in New York, an historical romp through London, a slowly unfolding sojourn in Venice or wherever, travel with a single, carry-on rolling suitcase and a single personal shoulder bag. Any more than that and you're just asking for trouble, fatigue, long lines at check-in counters, lost luggage, delayed luggage.
It gets worse. Travel smart. All those documents that are recommended are actually required.
A U.S. citizen on vacation walks up to a British Customs counter at Heathrow. Customs agent ask, "Purpose of your visit?" The tourist says, "Holiday in London." Customs agent looks at the guy's U.S. passport and says, "Not this trip, mate. Your passport expires at the end of this month. This gentlemen over here will escort you to a holding area for a time, after which you'll be sent back to the U.S. on the next available flight unless your Consulate can renew your passport immediately."
A French national heading to New York for some sightseeing, Broadway shows, shopping and you-name-it is held up in Newark because he's carrying over $10,000 in undeclared U.S. cash. He refuses to admit that he intends to spend most of the money at Aaron Faber Gallery on an exotic wristwatch. Did I mention that he packed the cash in his checked bag? Did I mention that it's not a crime to carry over $10K in cash, but it is a crime not to declare it.
Dumb and dumber, for the most part. But it gets worse. Travel light and travel smart.
An 58 year old amateur photographer was near collapse at Orly airport near Paris a couple of months ago. He was reportedly and allegedly out of shape, carrying a backpack containing something near 10 kilos (22 lbs.) of camera gear, and had been walking the terminal and standing in line for a couple of hours. When asked why he was carrying such a heavy load, his response was, "You never know what you might run into to photograph." To which an airport security officer replied, "Then why not carry a big telescope lashed to your backpack in case the night sky is beautiful too?"
Unlike most cities in Canada and the northern U.S., the beginning of April is a time when gardens are starting, trees are leafing out and temperatures are temperate in London. Don't tell that to the travelers who each packed a large checked bag with, among other things, heavy winter coats, long underwear, insulated mitts, toques and warm scarves. When queried by friends who visited their hotel room about the needless load of winter gear, they responded as though they were traveling to another cold part of Canada in early April rather than a salubriously agreeable part of the UK.
There are travel budgets (healthy and wealthy), travel budgets (moderate and healthy) and there are travel budgets (lean and meagre), admittedly. In no case should any sort of budget include the acquisition and transport of all sorts of needless clothing, photography gear, multiple laptops and tablets and smartphones.
Amateur photographers are often the worst sorts of travelers, with large backpacks or large shoulder bags packed with every lens they own, multiple camera bodies, a laptop loaded with their preferred photo editing software, a tablet for solo photo viewing, a smartphone with a data roaming plan, cables and individual battery chargers for each device, lens filters, spare batteries, a dry camera sensor cleaning kit, a wet camera sensor cleaning kit, and sometimes also a tripod and head. On top of that, they're dragging another personal carry-on bag and a larger suitcase that they check in. I get tired just thinking about hauling around all that weight, waiting patiently while security agents paw through everything and untangle the maze of cables and battery chargers to make sure some middle-aged, overweight non-profilable 'terrorist' isn't trying to sneak on board with the dumbest disguise ever conceived. No wonder TSA and so many other security agents around the world are cranky - they have to wade through far too much useless crap far too often just to get to the same conclusion yet again, i.e., that yet another dummy overpacked. I also get tired just thinking about hauling all that weight and bulk up and down streets and sidewalks, in and out of taxis or train platforms, up and down hotel steps and so on.
Is your scheduled return date at least six months before the expiration of your passport? If so, you're good to go. If not, renew your passport today; you know - before you go away.
Like to pick your teeth, pick your nose, pick your zits and do you generally have lousy hand-washing habits? Hmmm - scratch that. Better to ask if you're just traveling to any place in which you don't personally control how food is prepared, which basically means everywhere. Get your Twinrix vaccinations against Hepatitis A and B now. Get at least one booster shot before you go away. Hep A or Hep B can be nasty. Especially when traveling, wash your hands thoroughly before every meal, wash your hands after handling a lot of public door handles and spending time sightseeing, wash your hands before sorting out a cup of coffee at a local boite.
Got a condition? You know - a condition? Hypertension, heart condition, arthritis, etc., etc. Don't forget to renew your prescriptions and then pack at least as many pills, salves, ointments or whatever is needed for the duration of your trip, plus an extra week's worth in case of travel delays. You should have heard the panicky freak-outs at the front desk of my favourite hotel in London when Eyjafjallajokull erupted, spewed high altitude ash and grounded most European air travel as a result. "I need my meds and I've run out! AIYEEEE! What am I going to do!?" delayed departure guests demanded of the hotel front desk staff. To which staff replied, "Please use your emergency cash or an emergency credit card or your travel medical emergency insurance to pay for a visit to this doctor," as they handed over a couple of different local doctor's office cards. "But we don't have any of that!" a few of the hotel guests screeched. "You have to help us!" Hmmm. Not really.
Staying in a hotel (or several)? First make a quick stop at a local grocery store or supermarket and pick up several packages of cleaning wipes. As soon as you get into your hotel room, liberally use the cleaning wipes to clean the TV remote control, nightstands, sink, taps, toilet handle, toilet seat, shower handle, shower/tub floor, door handles and clothes hangers. It takes all of two minutes. Do not sit on or use the bedspreads - they're vile and probably haven't been steam cleaned or dry cleaned in over a year. Use flip-flips or slippers at all times - at all times. You and your wife are not Brad Pitt and Angelina Jolie padding around barefoot on a movie set. Hotel rooms are filled with real life - the real life detritus of dozens of others who've used that same hotel room in previous weeks and months. No need to panic, but a sensible application of cleaning wipes to all surfaces that you're going to touch is perfectly reasonable. Funny though - a few days into the hotel stay, you'll still be feeling fine and fresh and not suffering from any mysterious travel 'bug'. Use a cleaning wipe after the hotel housekeeping service is done with your room each day - or whenever you return to the hotel later in the day, after housekeeping has done its thing. Think you don't have to bother with any of this in an upscale or luxury hotel? Think again.
The less you pack, the less you have to worry about. The less camera gear you travel with, the easier it will be to decide what camera and lens to carry. If you carry one camera body and one versatile, high quality zoom lens, then your daily decision will always be easy. If you also carry a high quality compact backup camera with a built-in lens, you'll be able to continue doing good photography even if your main rig fails. Travel light.
You purchased a data roaming plan from your mobile phone provider at home, but did you remember to activate it and actually set your phone to roam just before you left home for the airport? If not, you will get a nasty surprise when your mobile phone bill shows up the following month. Don't be a dummy. Note also that the average 10-14 year old boy or girl (e.g., your kids)can easily send ten or more photos per hour to as many as a dozen different friends back home - and do it for hours and hours on end. So the data roaming plan that you think will do just fine is probably going to collapse under the strain after the first two days of a fourteen day vacation. Get the right data roaming plan and be realistic about how your kids are going to beat it to a pulp.
Self-entitled nonsense is being tolerated far less sympathetically these days. The practice of digital photography by absolutely everyone with a smartphone, compact system camera or DSLR camera is now so pervasive in so many tourist destinations that a lot of regional and municipal governments are trying to stop or restrict photography in certain areas or at certain times in certain areas. It's called social overload - we all feel it from time to time these days, so when we're being tourist photographers it shouldn't surprise us that other people in the places we're visiting feel social overload too sometimes when we point our cameras at them. So-called photographers' rights be damned, for the most part, when you're a tourist trying to debate a photo refusal by a member of the local constabulary or a private security guard or a shopkeeper. Shut up, move on. You're a guest in the city and the country, so act like one and remember that doing so sometimes means cheerfully accepting whatever rules you're read even when you know they're legally wrong. The worst place to spend a few hours of your hard-won vacation is in a holding cell or an interrogation room at the local police station. No cleaning wipes there at all.
Great travel experiences begin with sensible preparation, packing the things you really need, including emergency provisions in your planning, traveling as light as possible, and traveling with a smile on your face and courtesy in your tone of voice. Do so and you'll have a blast.
My favourite carry-on rolling luggage: Briggs & Riley Baseline 20"
My favourite camera bag: Billingham f/Stop 1.4 Shoulder Bag
My favourite main travel camera: Nikon D800 and Nikkor 24-120 f/4 VR Zoom Lens
My favourite backup travel camera: Fujifilm X100S
My favourite travel and long distance walking shoes: Ecco Torre Semi Mid GTX
. . . and I could write a book about the quality, wearability, usefulness and packability of Tilley Endurables and ExOfficio travel clothing.


text:
just wanted to update so you wouldnt think im dead.....yet.
on commissions, im almost done with a lot of them, im kinda getting done with requests, im sorry for most of you that its been almost a couple months since ordering commissions. im just now really busy with school and work.
im also wanting you guys to know that some new manga series from me are going to come out this summer!
the old ones i will continue and stories like kingdom hearts, pokemon ranger, the glitch(maybe i'll take it down)
and my upcoming mangas are: population 12, pokemon ranger shadows of almia, and artists at work, and my going to be my most awsomeist ever....
i improved a lot over the summer with doing everyones awsome commissions and i'll be doing differ. styles in manga in future and at the moment present commmissions.
if u read ALL of this, thank u for your time in reading this, getting back to your commissions!


text:
Full size version is only available to registered users
Please Register as a New User or Login as Existing User to gain full access to all the photos on this site. Registration is quick and completely free.
Unregistered users can only view full size photos that have been added this month.
Sam learning to jam on Conch (HS 4a), Baildon Bank.
© lrandall, Apr 2010
Route: Conch
Camera used: SAMSUNG WB500, WB510 / VLUU WB500 / SAMSUNG HZ10W


text:
AES Detector
AES Detector
Since the decision has been made by the government on the implementation of Automatic Enforcement System (AES), nothing much that we can do except to follow the rules.
However, to reduce possibility of you being caught by the AES Camera, there are few tools that you can use to remind you on the AES Cameras location. We share some of the good application, GPS module for your consideration.
Do share with us if you know any other good AES detector (pengesan AES).
1. Trapster.com
Trapster.com offers a unique and free service that allows users to share locations of red light cameras, speed cameras, accidents, and other road hazard.
How does it works ? Users submit speed traps, enforcement cameras, and road hazards, that then alert all Trapster users in the area. A high-tech version of flashing your headlights to alert drivers of potential road hazards.
Trapster support Apple, Android, windows, blackberry and the service is FREE.
2. AES Detector for Android by Kevin Chua
AES Detector application is developed to assist drivers to detect the new launching AES Camera. System will auto trigger alert sound to remind you when detected any AES Camera within 1000 meter from your driving point. Make sure you turn on your mobile phone speaker in order to hear the alert sound. [download]
3. AES Mata – Live AES Detector for Malaysian Drivers
AES MATA is the first complete Android app that can help Malaysian driver to steer clear of 'summons' from AES Live Alert. Alerts Malaysian drivers of AES Mata (or AES Camera) in the vicinity of their vehicles. (user got to choose the distance alert from 100m to 5km). [Details]
4. Malaysia AES Traffic Camera Tracker
This app, AES Tracker are available for iPhone at the Apple App Store, which show you all the AES camera location and when your mobile phone is approaching one of such AES installation, the app will warn you by sounding siren. The app even can work on background after you switch off the app. [Details]
5. AES Speed Trap Locator – Malaysia
A smart driver alerts to Automated Enforcement System (AES) camera locations and their speed limit. The. Good thing is that you can set your preferred Alert distance to receive the warning so that you can enjoy your drive instead or stressing yourself of having to look out for the Automated Enforcement System (AES) camera. More of an educational tool for user to comply with traffic laws and not to evade them. [Details]
Incoming search terms:
- aes detector for blackberry
- Aes detector
- aes alert download
- aes alert
- aes detector download
- aes alert for blackberry
- download aes detector for blackberry
- aes detector blackberry
- aes camera detector for blackberry
- download aes detector


text:
Product Recall: We are voluntarily recalling fewer than 8,000 cases of regular Kraft American Singles Pasteurized Prepared Cheese Productlimited to 4 SKUs on two "Best When Used By" dates of February 20, 2015 and February 21, 2015. Click Here.
SPOON yogurt into medium bowl. Add whipped topping; stir gently with wire whisk until well blended.
SPOON into crust.
FREEZE 2 hours or until pie is firm enough to hold its shape when cut into slices to serve. Store leftover pie in refrigerator.


text:
Mercer plated four runs with two down to defeat Florida, 4-2, on Tuesday night at McKethan Stadium.
Click here for the original story.
Welcome to SECTalk.com
|Welcome to SECTalk.com -- The Home of 6 Straight National Titles!
You are currently accessing our site as a guest which means you can't access all of our features such as social groups, sports betting, and many more. By joining our free community you will have access to all of these great features as well as to participating in our forums, contacting other members, and much more. Registration only takes a minute and SECTalk.com is absolutely free, so please join today!
If you have any problems registering or signing in, please contact us.
Latest Topics
Latest News
Top Bettors
Top High Fived
No. 24 Mercer Downs No. 8 Florida Baseball, 4-2
Started by gatoraus, May 06 2014 08:59 PM
Similar Topics
|Started By
|Last Post Info
If Tennessee beats Florida, Muschamp is fired
Started by AlpharettaTide, Yesterday, 05:40 AM In: SEC Sports → SEC Football Talk
- Hot 44 replies
- 704 views
Pinned Week 6: Florida at Tennessee
Started by GAMECOCK_FAN, 28 Sep 2014 In: SEC Sports → Official Game Threads
- Hot 141 replies
- 2,532 views
Broadcast Info: Florida at Tennessee - #UFvsTN
Started by gatoraus, Yesterday, 09:40 AM In: The East → Florida Sports → Florida News
- 0 replies
- 91 views
Rebel Baseball Announces 2015 Schedule
Started by GoldenRebel, Yesterday, 08:14 AM In: The West → Ole Miss Sports → Ole Miss News
- 0 replies
- 46 views
Auburn Baseball Fall Update: Oct. 1
Started by Spunk, Yesterday, 08:10 AM In: The West → Auburn Sports → Auburn News
- 0 replies
- 42 views
0 user(s) are reading this topic
0 members, 0 guests, 0 anonymous users


text:
PRINCESS ANNE, Md. - A local town is planning an entire day full of holiday celebrations. On December 1st, Historic Princess Anne will be hosting an all day celebration of the holiday season.
The day starts at 11 AM with a parade down Somerset Avenue, featuring marching bands, floats, fire trucks, and even Santa will be there! At Noon the Princess Anne Volunteer Fire House will hold a free pizza lunch and movie. The annual tree lighting with caroling, will start on the Town's Historic Courthouse Lawn at 5:30 PM. All these events are free.
Tours of historic homes and buildings throughout the town will also be available. Tickets for the tour cost $15, and can be bought at Somerset Choice Antiques on Somerset Avenue. More information call Ben Adler, Main Street Coordinator at 443-865-1344.