text: MTG & RDN, both mortgage insurers that have been through the wringer and are coming back. Why would Buffett love them, in particular?1. Insurance, a business he "understands" and appreciates;2. Undervalued stocks, unloved by The Street (right now);3. Cheap to buy (right now);4. Great cash flow from recurring business; inexpensive borrowing (now) makes recapitalization of their older liabilities workable, lowering risk;5. Enormous long-term upside if you buy and hold RDN &/or MTG.6. Both are heavily involved in the American real estate market, a place Warren wants to be investing in - these are a proxy for that market's recovery in the mid- to long-term.Good luck,RT

subset: commoncrawl


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The Lodge at Pico Bonito, Northern Coast
- Free cooked-to-order breakfast, free WiFi in lobby, and free parking
- Airport within 5 mi/8 km: La Ceiba (LCE-Goloson Intl.)
Main amenities
- 22 guestrooms
- Restaurant and beach bar
- Outdoor pool
- Free airport shuttle
- Conference center
- Garden
- Front desk safe
- Laundry service
- Multilingual staff
- Wedding services
- Hiking/biking trails
- Horse riding/rentals
What's around
- In a national park
- Megaplaza Mall (5.4 mi / 8.7 km)
- Central Park (6.7 mi / 10.7 km)
- La Ceiba Stadium (7.1 mi / 11.4 km)
I stopped by the Lodge for one night on my way to Roatan. Even though it is the rainy…
Relaxing getaway, We stumbled into this quant resort, from the internet, pleasantly…
Enter dates to check prices
Hotel Info: 866-539-8117from $113
- Deluxe Room, 1 King Bed
- Standard Room, 2 Double or 2 Queen Beds
- Standard Room, 2 Double or 2 Queen Beds
Recommended hotels
At a glance
Key facts
Hotel size
- This hotel has 22 rooms
- This hotel is arranged over 1 floor
Required at check in
- Credit card or cash deposit required
- Government-issued photo ID required
- Free WiFi in public areas
- Free airport shuttle (available 24 hours) *
- Free self parking
Nearby Three Star Northern Coast hotels
In the hotel
- Free cooked-to-order breakfast
- Restaurant
- Beach bar
- Outdoor pool
- Ecotours on site
- Hiking/biking trails on site
- Horse riding/rental on site
- Rafting nearby
- Scuba diving nearby
- Snorkeling nearby
- Conference center
- Dry cleaning/laundry service
- Wedding services
- Number of buildings/towers - 4
- Year Built 2000
- Safe-deposit box at front desk
- Garden
In the room
- Ceiling fan
- Coffee/tea maker
- Separate sitting area
- Furnished balcony
- Free toiletries
- IPod docking station
- Phone
Nearby hotels
Special features
DiningItzama - Overlooking the garden, this family restaurant serves breakfast, lunch, and dinner.
Awards and affiliations
- The property is a member of the Small Luxury Hotels of the World.
The Lodge at Pico Bonito, Northern Coast's small print
Also known as
- Lodge Pico Bonito
- Hotel En La Ceiba
- Lodge Pico Bonito La Ceiba
- Pico Bonito
- Pico Bonito La Ceiba
- Pico Bonito Lodge
- The Lodge at Pico Bonito Northern Coast
- La Ceiba Costa Rica
- At Pico Bonito Hotel
- The Relais At Pico Bonito
For transfers, guests must contact the property before arrival at the number on the booking confirmation.
Reservations are required for massage services and can be made by contacting the property before arrival at the number on the booking confirmation.
We have included all charges provided to us by this hotel. However, charges can vary, for example, based on length of stay or the room you book.


text: My brothers and I were born outside in the cold and our mommy was never found. I am a lovable kitten who is ready to snuggle up with you this winter! Since I am a kitten, I need to go to a home with another playmate for me, or you can adopt me with my brother, Bogart!


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WAUKESHA, WI | MAY 20, 2013 | Global View Capital Advisors announces New Beginnings, an educational workshop for women experiencing divorce. The intention of the six-week workshop is to help educate and empower women to move forward financially with confidence.
As designed by Rhonda Noordyk, Chair of the Women's Division at Global View Capital Advisors, the approach is relaxed, educational and inspirational. "We are committed to helping change the face of the financial industry for women, one woman at a time," states Rhonda Noordyk.
The workshop is intended for women who are currently going through the divorce process as well as those up to three years post-divorce. "For most women, it takes about 2 – 3 years post-divorce begin to really feel themselves," states Attorney Teena Abraham from Abraham Law.
With this in the mind, the workshop addresses the following:
Gaining confidence
Communicating assertively and setting boundaries
Making important decisions
Helping to design, grow and protect your personal economy (part I & II)
Creating an action plan
In addition to the course objectives, Rhonda Noordyk believes it takes a team to create wealth. Therefore, she offers an opportunity for interdisciplinary professionals to participate as trusted resources. There are several options available based on the strategic partners level of commitment.
The workshop is currently offered at the Global View Capital Advisors headquarters in Waukesha. To request additional information about upcoming workshops, please contact Rhonda Noordyk at 262.650.1030 x110 or HYPERLINK "mailto:firstname.lastname@example.com"firstname.lastname@example.com.
Advisory services offered through The Strategic Financial Alliance, Inc. (SFA), member FINRA | SIPC. Rhonda Noordyk is an Investment Advisor Representative of SFA. Global View Capital Advisors is unaffiliated with The SFA. Supervising office 262.650.1030.
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- UW-Waukesha Continuing Education TO OFFER ONLINE PARALEGAL CERTIFICATE COURSE©


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Christopher Titus Set for Comedy Works Landmark Village, 7/17-19
Christopher Titus is back with a new tour, the one-man show titled Angry Pursuit of Happiness! With some of his most surprising material yet, Titus shows why he is one of the best comics working today.
Employing what he calls "hard funny," Titus has released five comedy specials (Norman Rockwell is Bleeding, 5th Annual End of the World Tour, Neverlution, Love is Evol, Voice in my Head) and is now touring his sixth (Angry Pursuit of Happiness). After years of experimentation with dark and personal storytelling, Titus debuted his first one-man show, Norman Rockwell is Bleeding. It was from this performance that the FOX sitcom Titus was born. The show earned Titus a Writer's Guild nomination as well as an Emmy nomination.
In addition to his one-man shows, Titus shone as the lovable character "Brody" in ABC's Big Shots. Titus also hosts the "never unbiased, always unbalanced" weekly podcast, Titus Podcast. Currently, he is working on shooting the film Special Unit. An edgy, laugh-out-loud comedy about four disabled detectives, Special Unit is written by Titus to help change the view of disabled people across the world.
Christopher Titus is raw, real and most of all, funny. He has the unique ability to turn dysfunctional family dynamics into a badge of honor, as seen in his stand-up. His honesty about his own life gives a voice to the human experience of every person in the audience.
Comedy Works is pleased to announce that Christopher Titus will perform at Comedy Works South at the Landmark:
Thursday, July 17 | 7:30 PM | $19.00
Friday, July 18 | 7:15 PM & 9:45 PM | $27.00
Saturday, July 19 | 7:15 PM & 9:45 PM | $27.00
Advance tickets are available. Visit www.comedyworks.com or call 720.274.6800
About Author
- Casting Roundup: Sarah Chalke, Kim Raver Headline New Pilots
- ADVENTURE TIME Headed to the Big Screen?
- Pilot Season Roundup: Colm Feore, Daniel Stern, Dave Annable to Star in New Shows
- James Franco to Star in New Fox Comedy, WHY HIM?
- Christopher Meloni to Star in WGN America's Slave Drama UNDERGROUND
- Check Out Alex Dunphy's Full College Essay from Latest MODERN FAMILY Episode
- Photo Flash: HBO Reveals Key Art for GAME OF THRONES Season 5
- Syfy to Honor Leonard Nimoy with Special Programming This Sunday
- Grammy Winner Kelly Clarkson Exclusively Premieres New Music from New Album on MTV, VH1 & CMT First
- CONSTELLATIONS' Jake Gyllenhaal and Ruth Wilson Set for THEATER TALK This Weekend


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I'm American, lived in SF (love SF) for 6 years before moving to Amsterdam (2 years) and now I live in Bermuda. Yes as in the Bermuda triangle. WIsh I could say I am an ambassador for woman's rights in developing countries, but really I am just a U.S. Tax advisor :). I love to travel and I do tons of it. I love dogs, proud owner of a Boston terrier. Looking forward to the stay at your place. I am also looking forward to my December travels to Thailand and Cambodia and then a nice visit with my family in Bay area for the holidays.


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Select Local Merchants
Virginia Academy of FencingRead MoreAt the Virginia Academy of Fencing, students learn the centuries-old art of fencing in a decidedly modern-day setting. The facility's 13,000-square-foot space features amenities such as a padded warm-up area, a bouting video-replay system, and 18 full-time electric strips with overhead reel systems, as well as a decorated area for spectators or maidens in distress. Seven days a week, expert instructors teach both Olympic Sport Fencing and Historical Swordsmanship to classes of students. Olympic Sport Fencing includes foil, épée, and sabre instruction, while Historical Swordsmanship teaches the use of either a rapier or a two-handed sword. Along with providing students with an opportunity to learn a new and unique sport, the academy's classes help students improve their strength, balance, coordination, and cardio fitness.5401 Port Royal RoadSpringfield, VA US
My Eye Dr.Read MoreIn 2001, Dr. Robert Samit had a vision, which was a pretty appropriate phenomenon, considering that he's an optometrist. He saw in the future a network of eye doctors, united under the banner of a single company that provides trusted community doctors and a huge selection of value-priced and designer eyewear frames. Together with company president Sue Downes, they equip this army of eye examiners with the latest technology. When a doctor determines that a corrective lens is called for, he or she prescribes them and MyEyeDr's team of eyecare consultants helps patients choose from a huge array of brand name frames.6406 Springfield PlazaSpringfield, VA US
Heartland Dental Care AffiliatesRead MoreNo matter where they are in the country, clients of Dental Professionals of Virginia and Maryland and Neibauer Dental Care are bound to find a dentist just as skilled as the one at home. That?s because more than 400 offices in 19 states are affiliated with the dental network, whose administrative support, guiding principles, and focus on continuing education ensure that their dentists will be talented wherever they work. The company also strives for community improvement?they?ve contributed more than $250,000 to such charities as the American Red Cross, The Oral Cancer Foundation, and the Smiles for Life campaign.6671-B Backlick RoadSpringfield, VA US
Help For HealthRead MoreThe staff at Help For Health boosts clients' self confidence and natural beauty with a roster of detoxifying services that promote weight loss and well-being. LipoLaser body sculpting and whole-body vibration sessions can work to contour the body, and lymphatic-drainage therapy and far-infrared saunas encourage the body to secrete toxins through sweat and peer pressure. All treatments are natural and sustainable and come accompanied with a ton of information to keep clients in the know about the services and their own body's natural responses.6116 Rolling Rd.Springfield, VA US
Inova Physical Therapy CentersRead MoreInova Physical Therapy Centers is part of a non-profit comprehensive health-care network. The network provides physical therapy across more than a dozen locations, which provide varied forms of physical therapy, from aquatic therapy and dry needling to massage therapy. Each center is staffed with licensed massage therapists with medical and orthopedic experience that can help address specific targets with therapeutic massage, such as the neck, knees, hips, as well as assist with therapy goals. The medical massage program can be tailored to the individual needs of their clients and has treatments appropriate to for pain relief and injury recovery. In addition to varied methods, Inova Physical Therapy Centers also offers numerous specialities, including aquatic and massage therapy, orthopedic and sports medicine rehabilitation, balance rehabilitation, hand rehabilitation, and women's rehabilitation and therapeutic treatments.8348 Traford Ln.Springfield, VA US
Center for Interventional MedicineRead More"Varicose veins are large veins on the legs that occur because of an underlying condition known as venous reflux disease," explained Dr. Meghal Antani, a board-certified vascular specialist, during a segment on GTV's The Capital Forum. According to Dr. Antani, this condition afflicts 20%?30% of women and 10%?15% of men. Dr. Antani, along with a team of experienced medical specialists at Center for Interventional Medicine, has treated vein conditions?including venous reflux disease?more than 10,000 times. To deliver effective results with little discomfort and downtime, they offer three minimally invasive advanced techniques using state-of-the-art equipment: endovenous ablation, sclerotherapy, and phlebectomy. Whereas endovenous ablation closes a damaged vein by applying light energy, sclerotherapy seals small spider veins with an FDA-approved medicine. During a phlebectomy, the physician extracts the vein through a tiny hole with a grasping tool or a pair of chopsticks. The conveniently located facility is just off major highway exits, and free parking is available out front.6551 Loisdale CourtSpringfield, VA US


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Highlights and audio of a new interview with "The World's Most Dangerous Man."
Rampage forced out of his scheduled bout against Fabio Maldonado.
Find out the new date for the Shamrock-Kimbo bout.
Bellator re-signs Bobby Lashley.
"The Huntington Beach Bad Boy" comments on Anderson Silva's recent drug test failures and PEDs in MMA in general.
More details come to light regarding the lucrative Bellator MMA contract of Quinton Jackson.
Highlights and audio of a new interview with "The World's Most Dangerous Man."
Watch as former UFC and Bellator veteran Ryan Jensen tell the story on his local news.
Bellator trying to prevent Rampage from fighting in the UFC.
Quick-match results of the Bellator 134 event.
Kimbo vs. Shamrock to finally get it on.
Recap of King Mo's appearance on the Submission Radio podcast
Bobby Lashley and Douglas Lima off the originally scheduled lineup.
The street fighting legend speaks about some possible future opponents.
Complete Bellator 132 results from Temecula, California.
Kevin "Kimbo Slice" Ferguson officially returns to MMA in Bellator.
Also, Bellator MMA President Scott Coker comments on the topic just three months ago. What did he say then?
Notes from a new interview with the Bellator MMA brand ambassador.
Lashley out, King Mo possibly in against Thompson at Bellator 134.
Bellator to premiere to specials on Spike TV this coming Friday night.


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Ed Sheeran's 24th Birthday Party Looks Delightfully Weird
Ed is apparently 24 going on 4…and we LOVE that!
See The All-New, All-Awesome 'Ghostbusters' Cast Together For The First Time
'Ghostbusters,' assemble!
Pharrell Williams Parlays 'Happy' Into Children's Book Deal
Putnam announced Tuesday that the book, "Happy," will be published Sept. 22.
Un-Retouched Image Of Cindy Crawford Goes Viral
"It's real, it is honest, and it is gorgeous," read a statement from Marie Claire, the magazine that owns the leaked image.
Who Is The New Mystery Man On 'The Walking Dead'?
Nope, not Daryl. Haven't watched Sunday Night's episode yet? DON'T READ THIS!
Lady Gaga and Taylor Kinney are Engaged!
Lady Gaga and Taylor Kinney are getting married! The hunky actor proposed to Mother Monster on Valentine's Day. Wow…what a diamond!
SLIDESHOW: Your Pictures Of Winter Weather
Photos from viewers around the area from the February 17, 2015 winter weather.
Some schools cancelled or delayed ahead of winter weather
Some schools in eastern North Carolina are making the call to close or delay schools ahead of the wintry weather expected Monday night into Tuesday.


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The Global FlyFisher - The Largest and Best Place to go for Online Fly Fishing and Fly Tying
First published February 10th 2003 - More than 12 years ago
By Martin Joergensen
A small gallery of pictures from a trip that I did with good friend Asger to the streams of Jutland (Jylland) in pursuit of grayling. We had a great time, but caught only smaller fish. Asger managed to catch his first grayling ever and keeps on trying to convince me that he lost a "really, really big one".
Start All pics
|More great articles on The Global FlyFisher
|These other stories on "Grayling - Thymallus thymallus" might also interest you:
More about Grayling
|A couple of random articles
Captain Mel SimpsonCaptain Mel Simpson is a fly fishing guide operating out of St. Petersburg, Florida.
January 16th 2012


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Conclave Preparations Continue as Last 5 Cardinals Arrive
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The final five of the 115 cardinals who will be eligible to elect the successor to Pope Benedict XVI are expected to arrive in the city Tuesday.
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It is a marvellous moment in the life of the Church and in our own lives too. Many have wished to witness this moment in over 500 years and here we are having a Pope Emeritus and expecting to have a new Pope for Easter.
Let us pray for God's grace to live this moment and to transform the world with the leadership of the new Pope. May God grant us the wisdom to confound the wicked and enlighten the ignorant of our days.
We live with the confidence that God is our Father closely checking on us each moment therefore we are confident in our mission being light of the world. The Son is our brother what a marvellous discovery and the Holy Spirit is our consoler.
Blessed be God for all ages.
Let us look the way of the church and avoid being entrapped with the snares of the twisted media whose aim is to serve the intent of the Evil One.
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Water Quality
The City of Newport Beach is responsible for providing its customers with a reliable, safe, clean, potable and domestic water supply. In accordance with the State Water Resources Control Board, the City publishes an annual consumer confidence report regarding the quality of its water.
For questions regarding water quality concerns (taste, odor, color), please call (949) 644-3011 and ask to speak with a Water System Services representative.
Water Quality Coordinator, Gary Tegel (949) 718-3412
Annual Water Quality Report
Public Health Goals
2013 Drinking Water Quality Report on Public Health Goals
Certified Backflow Lists
Current USC Hydraulic Foundation Approved Backflow list
Current Orange County Health Department Certified Testers Information


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Manchester Jobs
Looking for jobs in Manchester? Snagajob has great opportunities with the area's leading companies. And applying for Manchester jobs has never been easier. Look at the job listings below, click on a job title that interests you and hit the "apply now" button. Part-time jobs, teen jobs, student jobs and summer jobs are now just a click away. Start your job search now.
Manchester, VT Job Openings
GapMANCHESTER, VT
Cities within 20 miles of Manchester, VT
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- Wallingford, VT (2 jobs)
- Salem, NY (1 jobs)
- Shushan, NY (1 jobs)
- MANCHESTER, VT (1 jobs)
- Arlington, VT (1 jobs)
- Belcher, NY (1 jobs)


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due in oct 2013: fall baby :)
Im due in Oct too! either the 13 or 20th ill find out for sure on the 1st!
Me (28) DH (33) Three beautiful babies! DS~9DD~6DD~17months
October babies rock :) I love my son who was born oct 18 11 :) I am due july this time.
2 angel babies fishing with pepe! My monkey is almost 2! My peanut was born 6/2/13 at 32 weeks.
Congrats everyone and i pray we all have a happy and healthy 9 months!
I'm due October 6th - well, theoretically anyway. I have my first MD appointment on Friday so hoping we'll get a confirmed EDD.
I'm 7w2d and my symptoms have been hit or miss. I had really bad nausea for week 6 and my boobs were painfully sore up until this week. Right now I've just got intermitent nausea (no throwing up thank goodness!), I feel bloated and my boobs are still on the sore side.
I know it's hard but try not to worry - symptoms definitely come and go. :) Though I'm at 7w and JUST stopped taking HPTs because I ran out. ^^;; This one was something of a surprise after 2.5yrs of trying and having no luck (thank you PCOS).
~*~Alexis & Ray since 2007~*~
DS born 5/1/2010~*~DD born 9/30/2013 ~*~


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About Aggeliki Aggelopoulou.
About Aggeliki Aggelopoulou.
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Member Of The 4 Free People Internet Marketing Training Team.
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Home Future StudentsCurrent StudentsFaculty & StaffPatientsAlumni
A-Z | Portals | Course Login | Webmail
Location:Tivoli Student Center, Suite 260
Phone: 303-556-6656Fax: 303-556-4728
Office Hours: M-F, 8am-5pm
ELC Facebook
Community leaders can download the Mentorship Agreement then email the completed document to firstname.lastname@example.com. You will then be contacted when a match has been made with an eligible Student Veteran.
Meeting 1 - Student Executive Mentor
Contact Vicki Allen at Marketing & Community Engagement with any questions, concerns or needs. You can also call the Veteran Student Services Office at: 303-556-2630.
Experiential Learning Center | Tivoli 260 | 303.556.6656 | firstname.lastname@example.com
© The Regents of the University of Colorado, a body corporate. All rights reserved.
All trademarks are registered property of the University. Used by permission only.


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RED/GREEN CANVAS DESSERT PLATE/BOWL STORAGE CHEST (Item #W31716B)
now $16.98
The red and green canvas dessert plate/bowl storage chest with see through window allows you to see the stored contents and is perfect for holiday china storage. Made with a natural canvas construction with cotton padding inserts to protect contents. Includes carrying handles for easy and safe transport, 8"H x 9"W x 9"D.
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Spirituality Center
The Spirituality Center, located near Cincinnati, Ohio, provides opportunities for spiritual enrichment to the community through a wide variety of programs. We offer weekend/overnight retreats, private retreats, days of reflection, evening prayer programs, massage therapy, a labyrinth and provide individual spiritual direction for both men and women. Motivated by the Sisters of Charity vision to share our faith and resources, the mission of Spirituality Center is to provide opportunities for growth by deepening faith life, strengthening efforts toward community building, reaching out to the needs of the community and heightening awareness of Gospel values. Stemming from a belief that all life is sacred, our purpose is to unite faith with life experience in a holistic approach.
Our center has a staff of dedicated professionals who are available to assist you before, during and after your attendance at our programs.
Sister Annette Marie Paveglio, SC, (Director) has experience in education and administration at various levels and has planned and facilitated retreat days and prayer experiences for adults as a Catechetical Leader. She holds a Master's Degree in Educational Administration and completed coursework for a Master's Degree in Theology from the Graduate Theological Union in Berkeley, California. Sister Mary Fran Davisson, SC (Massage Therapist), is nationally certified, Ohio-licensed massage therapist. She received her massage therapy training from the New Mexico Academy of Healing Arts in Santa Fe, New Mexico. She has taken Healing Touch Levels I, II and III, and has training in Compassionate Touch for Those in Later Life Stages and Aromatherapy. Maureen Heverin, SC, received formal training in Spiritual Direction at the Jesuit Renewal Center in Milford, Ohio in 1992. Her ministry experience includes elementary education and adult education, social service work, spiritual formation and leadership in the Sisters of Charity of Cincinnati Congregation. Presently Maureen's ministry in the Spirituality Center includes spiritual direction (individual and group), directing retreats and facilitating various spiritual programs.
Micki Trentman
Spirituality Center
Presents Women of Beauty
The Sisters of Charity of Cincinnati Spirituality Center presented Women of Beauty on Saturday, April 25. Norma Rocklage, OSF, facilitated the program which focused on beauty around us, on the beauty that we are as individuals, as women created in the image and likeness of God, and as a community. To learn more about the retreats offered by the Spirituality Center ...
One Silence, One Mercy:
A Lenten Retreat with Thomas Merton
Sisters, Associates and friends of the SC Community gathered March 18 and 25 for this Lenten retreat. Christopher Pramuk facilitated the two evenings of Lenten prayer, which joined music and shared silence with a series of brief meditations on the writings of Thomas Merton.
Spirituality Center Offers
January Pottery Retreat
S. Jackie Kowalski (center) leads participants on a retreat that refreshes the spirit and renews creativity. In Feel Like You're Going to Pot? – held Saturdays in January – S. Jackie has helped participants hand-build, trim and glaze a creation while reflecting on the parallel manner in which God interacts with us human vessels of clay.


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Dr. Joseph Fan specializes in ophthalmology in Loma Linda, California.
Dr. Joseph Fan has been compared 158 times. Details of Dr. Fan's 25 years experience as an MD, his hospital affiliation and education at University of California, San Diego are available on your free doctor report.
Primary Location for Dr. Fan
11370 Anderson St
Suite 1800
Loma Linda, CA 92354
Neighborhood: Loma Linda
Patient Ratings and Reviews
Dr. Joseph Fan has an average rating of 3.5 stars (out of 5) with a rating of Good based on 4 reviews.
Have you visited Dr. Joseph Fan? Rate you experience below.
Board Certification, Specialty and Expertise
Dr. Joseph Fan has been identified as specializing in Ophthalmology.
He is certified in Ophthalmology.
Accepted Insurance
Insurance plans and networks accepted by a doctor are not necessarily universal across all locations at which the doctor practices. This can be affected by many factors such as different group practices, hospital affiliations and working arrangements at those locations. Checking that the doctor you are visiting and the facility they are at are in-network providers for your insurance plan can save you money and headaches later from surprise medical bills.
Dr. Joseph Fan accepts the following plans at 11370 Anderson St, Loma Linda, CA
- Blue Shield of California
- Anthem Blue Cross
- Humana
- Cigna
- PrimeCare Medical Network
Hospital Affiliation
A hospital affiliation covers any doctor who has an affiliation, association or admitting privilege with a hospital. A doctor's particular affiliation to a specific hospital can translate to the overall quality of that provider.
Dr. Fan is affiliated with 1 hospital:
11234 Anderson St
Loma Linda, California
Dr. Fan attended medical school at University of California, San Diego School of Medicine and graduated in 1990 having 25 years experience.
While there is no proven correlation between the quality of one's educational institution and the quality of one's professional competence, it is often an indicator. Medical schools have various levels of selectivity (some are harder to get into than others), and both the quality of their clinical training and level of research are measured. Additional medical training in both residency and fellowships and the facilities they are conducted at also provide a history of the doctors' level of training and experience.
Patients may also know Dr. Joseph Fan MD as:
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Sessions, Corker, Cornyn, Roberts speak out on Fed nominee. "Ms. Yellen subscribes to the liberal school of thought."
ABA CEO testifies to Senate banking panel Thursday; NAFCU's Dan Berger warns panel by letter of peril to economic recovery.
House Financial Services chair opines on Fed nominee. NAFCU's Berger cites prior contacts with current Fed vice chair.
BECU General Counsel Parker Cann receives Pierre Jay Award at trade group's Idaho confab.
Political pundit Paul Begala got things going at NAFCU's annual caucus on Monday, while new NCUA Board Member Rick Metsger made his debut.
This Opinion piece from NAFCU President/CEO Dan Berger also argues that the tax exemption is crucial to the industry's existence.
As the new school year settles in, here's a look at five financial literacy programs that really make the grade.
Frankil named president of Burns-Fazzi, Brock and Associates, an executive compensation consulting firm.
NAFCU announced Aug. 12 the promotion of several employees as well as the separation of its marketing and communications functions that resulted in the dismissal of an executive.
President Barack Obama laid out his initiative to reform the secondary mortgage market in a speech on Aug. 6 that trash talked Fannie Mae and Freddie Mac and voiced support for a Senate bill that would wind down the government sponsored enterprises and replace them with a mostly privatized system.


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Since I have posted several threads in the After Hours Lounge saying negative things about salesmen, I thought I'd go here with a postive about my ISF calibrator. Last year, I had my Tosh 57HX81 calibrated by Kevin Miller, of ISFTV(?), in NY. At the time, he could not get the front panel of the set off, and was unable to do the electronic focus(I believe that's what it's called). Our schedules had not meshed due to various things, so he did not return until yesterday. He not only did the focus, but also re-calibrated the grayscale, which had drifted somewhat, and also did another service menu convergence. Anyone with a Tosh RPTV will know that this takes time- it seems that the memory for the 'Touch Focus' is not fully invoked until you do convergence 2-3 times. I believe he also checked geometry, which looked ok. He was at my house for nearly 2 hours, when technically, all he had to do was spend 15 minutes doing the focus. Needless to say, I'm happy with his work, and it's good to see someone take pride in their finished product. He went the extra mile to ensure a satisfied customer. I thought the set looked pretty good on Saturday, last night it looked even better. I can easily recommend him to those in the NY area.
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text: Our Verdict Class-leading performance from an ordinary looking loudspeaker For A superbly balanced sonic presentation fine build quality Against Appearance isn't as impressive as some Reviewed on 28th January 2008 It's easy to feel a little underwhelmed by a product such as the D Two – it just looks so ordinary, and the ingredients are conventional, too. No fancy cabinet materials or shapes here, and no headline-grabbing drive-unit technology. Look beyond the obvious, though, and you'll find much care has gone into the engineering. The drivers, for example, are high-quality units designed for performance rather than keeping the marketing people happy, and those ordinary-looking cabinets, as well as coming in a choice of six real-wood veneers, are made of different types and thicknesses of wood. Few manufacturers go to such lengths. All about balanceSo how do the ProAcs sound? In a word: wonderful. These speakers are all about balance. No part of the frequency range intrudes, and dynamics, timing and stereo imaging are spot-on. Whether you listen to Mahler or Mos Def, the D Twos sound right at home, with just the right mix of refinement, drive and finesse to keep most people happy. Just make sure you use a heavyweight stand like Partington's Dreadnought Broadsides (£270) and position the speakers out into the room. You might find similarly priced speakers that impress more on a short demo, but we doubt there's many that will please as much in the long run. More after the break Related News VIDEO: First look at Monitor Audio's fifth generation Bronze 2 speakers Fri, 26 Jun 2015, 12:33pm Elac launches Debut speaker range with Atmos add-on Thu, 18 Jun 2015, 12:24pm Magico's new S7 speakers – yours for £60k Fri, 12 Jun 2015, 04:06pm How to build the perfect speaker Tue, 09 Jun 2015, 05:34pm Dynaudio launches Contour LE speakers with audio upgrade Wed, 03 Jun 2015, 12:24pm Hi-Fi Hi-fi speakers ProAc Response D Two


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Coastal New England: 4th of July7 days Special Event Tours
Let us handle the details
Expert Tour Director
Local cuisine
Handpicked hotels
Sightseeing with local guides
Private transportation
Personalized flight options
Maximum tour group size: 35 travelers
Recommended by 100% recommend this tour Read Reviews [5]
Boston, Massachusetts 2 nights Hotel info
Day 1: Arrival in Boston
Included meals: Dinner
Travel to Boston, where you'll meet your Tour Director and fellow travelers at a welcome dinner.
Day 2: Sightseeing tour of Boston
Included meals: Breakfast
Set off on a guided tour of Boston, one of the oldest cities in America.
• Sweep through 250 years of American history on the Freedom Trail
• Pass by and Paul Revere's House and the Boston Common
• See Faneuil Hall and the Old State House
• Enter the Old North Church
End your tour in Harvard Square, where you'll have free time to wander through the university's campus. Later, enjoy a free afternoon or add an excursion.
This evening, grab your picnic blanket and head to the Charles River Esplanade to witness the annual Boston Pops Fireworks Spectacular.
Optional Excursion - Prudential Skywalk & Lunch $49*pp Details
Taste the fruits of the Atlantic at a seafood lunch, then continue on to New England's highest public observation deck, the Prudential Skywalk Observatory. High above Boston, you'll take in a 360-degree bird's-eye view and an audio tour of the city's landmarks, including Fenway Park, Hancock Tower, Boston Common and the Public Garden, the Esplanade, Faneuil Hall and Quincy Market, as well as MIT and Harvard across the Charles River. You'll also have a chance to visit the Dreams of Freedom Immigration Museum.
Save $10 when you book this excursion up to 3 days before your tour departs. (On-tour price: $59)
Portsmouth, New Hampshire 1 night Hotel info
Day 3: Portsmouth via Lexington & Concord
Included meals: Breakfast
Stop in Lexington and Concord, where a local expert brings the history of the sites to life on a guided tour.
• Tread the same ground where the first shots of the Revolutionary War rang out
• Learn how Minutemen forced the British to retreat back over the Old North Bridge
Continue on to quaint 17th-century town of Portsmouth, where your Tour Director will help you get oriented.
• Pass Market Square and Prescott Park
• See the outdoor Strawbery Banke Museum
Boothbay Harbor, Maine 2 nights Hotel info
Day 4: Boothbay Harbor via Kennebunkport & Portland
Included meals: Breakfast
Travel north to Kennebunkport, one of Maine's best-known resort towns, and then Portland for a guided sightseeing tour. Later, arrive in Boothbay Harbor.
• Pass the Portland Observatory and Fort Allen Park
• Visit the Old Port neighborhood, filled with independent bookshops and quaint local boutiques
Day 5: Free day in Boothbay Harbor
Included meals: Breakfast, Dinner
Spend the day exploring the old-time fishing village of Boothbay Harbor on your own or add an excursion.
In the evening, enjoy an included lobster dinner with your group.
Optional Excursion - Coastal Maine Whale Watching $65*pp Details
Hop aboard a boat at Boothbay Harbor for the chance to see local sea animals in their natural habitat. You'll spend the morning cruising along the harbor and open waters of the Atlantic while keeping an eye out for whales, sharks, seals, puffins and more. Please note: If you take any medicine for seasickness, it is recommended that you bring it with you. Please note: This optional excursion is seasonal and runs from mid-May through August.
Save $10 when you book this excursion up to 3 days before your tour departs. (On-tour price: $75)
Boston, Massachusetts 1 night Hotel info
Day 6: Boston via Freeport
Included meals: Breakfast
Stop in Freeport, home to the world-famous L.L. Bean Factory Store, on your way back to Boston. Then, enjoy a farewell drink with your fellow travelers.
Day 7: Departure
Included meals: Breakfast (excluding early morning departures)
Begin your journey home or extend your stay to visit Cape Cod.
Add Cape Cod $399 pp
Summer in New England is not complete without a few days of oyster slurping and beach hopping on Cape Cod. Once the realm of fishermen, Cape Cod is now a destination for artists, writers and holidaymakers, who come for inspiration and relaxation. Take an excursion to Martha's Vineyard, visit the Kennedy museum, browse the art galleries and souvenir shops, swim—or just find a patch of sand and soak your toes in the surf.
Cape Cod, Massachusetts 2 nights Hotel info
Day 7: Cape Cod via Plymouth
Included meals: Breakfast
Make your way to Cape Cod. En route, stop in Plymouth, the first settlement in Massachusetts, to see the famed Plymouth Rock.
Day 8: Free day on Cape Cod
Included meals: Breakfast
Spend the day exploring the beach towns of Cape Cod on your own or add an excursion.
Optional Excursion - Martha's Vineyard $109*pp Details
Hop aboard a ferry for a day of exploration and discovery on the beautiful island of Martha's Vineyard, known for its many-hued "gingerbread" Victorian homes, its sea-captain houses in Edgartown and its laid-back resort culture. After touring the island and enjoying a seafood lunch in Oak Bluffs, you'll have free time to peruse the island's charming shops and galleries. Don't forget to stop by the famous Black Dog Cafe!
Save $10 when you book this excursion up to 3 days before your tour departs. (On-tour price: $119)
Day 9: Departure
Included meals: Breakfast (excluding early morning departures)
Transfer to the airport for your return flight home.
How's the weather?
- Boston, Massachusetts, United States
- Portsmouth, New Hampshire, United States
- Boothbay Harbor, Maine, United States
- Cape Cod, Massachusetts, United States
Passport & Visa Requirements
Valid government-issued identification is required for air travel within the United States. If you are not a U.S. citizen, please be sure to have your required identification with you as well.
Baggage Allowance
Airlines have varying weight restrictions on luggage. Be advised that most domestic airlines impose additional charges if you choose to check any baggage, and that you are responsible for any such costs. Contact your airline for detailed information regarding luggage size and weight restrictions for your flight, but please note that Go Ahead travelers are restricted to one checked bag per person due to storage limitations on motor coaches and other internal transfers, which may include train connections or flights. One carry-on bag is also permitted, provided that it does not exceed 45 total inches (length + width + height). Make sure you label your baggage and carry valuables, medication and documents in your carry-on bag.
Clothing & Packing Tips
To ensure you're comfortable while out exploring, we recommend packing lightweight, loose-fitting clothing that can be easily layered. For sightseeing, we suggest bringing a sturdy pair of walking shoes or sneakers, as well as a lightweight jacket or rainwear. Restaurants range from formal to informal in this region of the United States. If you're planning a visit to a high-end restaurant or performance, you may also want dressier attire.
There are no major health risks when traveling to this region. During the summer months, take care for sun exposure and heat. It is always advisable to check with your doctor or healthcare provider for the latest updates and personal travel requirements.
One of the most enjoyable aspects of traveling is the delightful variety of local cuisine—even if you're not traveling abroad. In New England, look out for especially delicious seafood specialties, such as lobster and clam chowder.
Round-trip flights arrive and depart from Boston. Boston is a walking city, but the city's metro system—known to locals as the T—is affordable and easily accessible. That said, Boston's streets are not laid out in a grid pattern; asking your Tour Director for directions is advised. All included transportation on this tour is by private motor coach.
Time Zones
Your tour will fall on Eastern Standard Time (EST).
At the conclusion of your tour, it is customary to offer your Tour Director and driver a gratuity. We recommend tipping $3USD/CAD per person per day for your driver and $6USD/CAD to $9USD/CAD per person per day for your Tour Director. If applicable, we also recommend $2USD/CAD per local guide. Tips can only be paid in cash.
See what our travelers say about this tour—all reviews are authentic and unedited.
Have you been on tour with us? Visit My Account to submit a review.
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"Exceeded Expectations"
This tour was wonderful! The places we visited included so much more than expected. Each destination had surprises; for instance at Salem we visited the cemetery where the victims of the witch trials were buried. We not only saw Plymouth Rock but the Korean War Memorial there. We were able to tour Longfellow's home which was not on our agenda, and we had free time to visit the JFK Library and visit the famous Cheers Bar. The opportunity to view the harbor from our hotel room in Portland was awesome. This was a "bucket list" trip for me and I enjoyed every lobster roll and crab cake I consumed. Oh , one more important event- we heard the Declaration of Independence read in the Old North Church on July 4th- so wonderful.
great trip
enjoyed trip. Had a great time. Hotels were great. Transation good. All envolved were great people.
A look back in history
Spending time in Boston on July 4 was an unforgettable, patriotic experience. The scenery all the way to Maine was so beautiful!
Coastal New England - Fourth of July
enjoyed the reading of declaration of independence on July 4, duck ride, freedom trail, Martha's Vineyard, lobster dinner, sloop ride on Boothbay Harbor
History brought to life
I enjoyed the historical part of this tour. We all study American history in school. This tour gave a face to a lot of the facts about the American revolution.


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Alex Tagliani
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In this week's parsha we learn about the laws of the Sabbatical year whereby on the seventh year, the land is granted a year of rest. The Children of Israel are promised that with faith and fidelity, the sixth year will produce enough produce to sustain them through the seventh. After seven cycles, there is a great celebration to commemorate the Jubilee Year. It includes a release of debts, freedom for slaves and servants and a time to rest from the toil of harvest and planting. Although traditionally served tableside with flames rising from a frying pan, this easy Cherries Jubilee Brownie recipe can be prepared in a Shabbat-friendly way as a rich and delicious parsha-inspired ending to your Shabbat meal.
Shabbat Menu sidebar
Shabbat Menu – Cherries Jubilee Brownies
Green Salad with Asparagus and Peas
Date and Honey Glazed Chicken Thighs
Sesame Carrots
Shabbat Menu – Mother and Child Reunion
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In this week's Parsha, we encounter another ethical dimension of the Torah, recognizing the special bond between parents and children. A newborn calf, lamb or kid must be left with its mother for seven days before being eligible to be brought as an offering and it is not permissible to slaughter an animal and its offspring on the same day. As Mother's Day falls the day after this Shabbos this year, it is an especially timely and timeless story. In the popular contemporary song by Paul Simon entitled "Mother and Child Reunion," the singer-songwriter's inspiration was later revealed to be a chicken, rice and egg drop soup he saw at a New York Chinatown restaurant. I thought this would be a perfect recipe for this parsha and for everyone celebrating Mother's Day.
Pepper Short Ribs
Soba Noodle Kugel
Watermelon Granita Filled Lime Cups
Shabbat Menu – Potato and Goat Cheese...
Goat a minute? Reading this week's parsha, Acharei Mot combined with parsha Kedoshim, we are reminded of the centrality of the humble goat in the Jewish tradition. It is from this reading (which is retold on Yom Kippur), that the notion of the "scapegoat" emerges. The Kohen, seeking atonement for himself, his household and the entire nation of Israel, confesses all of the sins of the people to the goat of Azazel and sends it off into the wilderness. It is an auspicious week to remember the goat by trying a recipe made with goat cheese. Jamie Geller's Potato and Goat Cheese Triangles are the perfect appetizer for a dairy Shabbat dinner. They can be prepared in advance, reheat well and are sinfully delicious!
Parmesan and Sun-Dried Tomato Crusted Tilapia
Warm Orzo Salad
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text: Overall was a pleasing expereince, just FYI not a drama but you need to pay an extra $10 a night for aircon which is stated but just wanted to share the information. Close to Surfers Paradise and very quite area. Happy to say the staff member we dealt with was great and our stay was good. If you don't like... More


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Andrex consolidates digital account with JWT
By Staff, campaignlive.co.uk, Tuesday, 11 December 2012 11:20AM
JWT London has picked up the UK digital account for Andrex, the Kimberly-Clark toilet-tissue brand.
The brand put the business up for pitch last month as part of a statutory review process. The digital account, including social media, moves from WCRS, which had handled the business for the past four years but withdrew from the pitch process.
WCRS was responsible for launching a digital campaign across Andrex's Facebook page that increased its "likes" from 300 to 300,000 in 18 months.
JWT London already handles Andrex's advertising account. In September it relaunched a real puppy mascot for the brand as part of a one-off £2m campaign to celebrate Andrex's 40th birthday.
This article was first published on campaignlive.co.uk
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Reports: Apple has talked with Tesla, Basis Science
According to recent reports, Apple has spoken to a few companies, possibly regarding acquisitions. Apple's mergers and acquisitions chief Adrian Perica reportedly spoke to Tesla CEO Elon Musk "last Spring." Both Tesla and Apple declined comment, though it has been speculated that the companies might collaborate in some way on a domestic rechargeable battery production facility. The same report noted that Apple is exploring "sensor technology that can help predict heart attacks." Apple audio engineer Tomlinson Holman, the inventor of THX and 10.2 surround sound, is "exploring ways to predict heart attacks by studying the sound blood makes as it flows through arteries." Such a technology would likely come into play in Apple's iWatch, if at all — a recent report suggested that iWatch sensors won't be as advanced as some expect.
Another report notes Basis Science, maker of the Basis Health Tracker Watch, has spoken to companies including Apple and Google about a potential sale. Considering that Apple is working on its own fitness tracking watch, if the company had any prospective interest in Basis, it would likely involve incorporating the watch's tracking technology into its own upcoming device. A Basis representative said the company doesn't comment on "rumor or speculation." [via San Francisco Chronicle, TechCrunch]
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The first edition of this new flagship publication will be launched in Paris on 24 June 2015. It looks at the way in which companies, banks, institutional investors and shadow banking intermediaries are operating in the low growth and low interest rate environment and the build-up of risks in the financial system.
The Pension Policy Notes summarise the main features of countries' pension systems and the policy challenges each of them faces and the Pension Policy Reviews provide an in-depth analysis of the different components of countries' pension systems.
The greatest puzzle today is that since the global crisis financial markets see so little risk, with asset prices rising everywhere in response to zero interest rates and quantitative easing, while companies that invest in the real economy appear see so much more risk. What can be happening?
Singapore, 28 May 2015: This roundtable will focus on key themes related to G20 work, including how policy makers and investors can facilitate private sector infrastructure financing, the development of infrastructure as an asset class, and issues relating to the regulation of long-term investment.
English, PDF, 551kb
In this issue of "Pension Funds in Figures", preliminary data and early estimates for 2014 show that pension funds' assets exceeded USD 25 trillion in OECD countries. The largest increases are found in Estonia, Korea, Luxembourg and Turkey, where pension funds' assets rose by more than 20% compared to...
Long-term capital is in short supply and has become increasingly so since the 2008 financial crisis. This has profound implications for growth and financial stability. The OECD is exploring these issues in depth.
Experts and policy makers gathered today at the Inter-American Development Bank (IDB) to discuss the future of pensions in Latin America and the Caribbean. A panel discussion moderated by CNN journalist Gabriela Frias explored different policy approaches to ensure greater coverage and sustainability of pension systems in the region.
The OECD collects and analyses data on various insurance statistics such as the number of insurance companies and employees, insurance premiums and investments by insurance companies.
The survey monitors and compares the investment behaviour, asset levels, and performances of the largest institutional investors in each region or country covered and analyses in greater depth the general trends observed at a national level.
This report analyses insurance market statistics collected by the OECD to monitor the insurance industry's overall performance and health. It covers all OECD countries plus selected Asian, African and Latin American countries.


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I'm a Part- time Worker, Blogger, and I enjoy being the "friend-that-cooks" =)
Member since January 6, 2011
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On a farm in Indiana
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Orbs of colorful plastic, action figures and LEDs are popping up throughout San Francisco like the interstellar disco balls.
The city's latest urban planning program is a heavy-handed attempt to impose unity where there is none.
Inside the dramatic world of transportation planning for wildlife.
A spiky dome, locally sourced from streets and trashcans.
Jason Ahrns searches at night for huge, mysterious eruptions of sparks that appear high over thunderstorms.
This week, Bay Area art lovers were treated to paintings made from real animal poo "carefully hand-picked from local farms."
When was the last time your museum experience involved a painting you can climb into or disembodied eyes following you in a room?
They will travel at 40 mph.
St. Louis will cover the highway that divides downtown from the waterfront. But some wish they'd removed the interstate altogether.
Meet the Hong Kong architecture firm currently in favor with Kim Jong Un.
If you've ever spotted street art involving pin-up models with kitty heads or screaming flowers, it's probably the work of Chile's Macarena "Macay" Yañez.
Illuminated nightscapes are a new worldwide arena, where global cities will compete for recognition.
If Alice Austen weren't a real person, some novelist might have had to invent her.
Kirk Crippens has been taking pictures of Stockton, California, since its housing bubble famously burst.
Herbert Baglione's loathsome shadow-creatures sprout from old wheelchairs and slide into darkened rooms in this fantastically atmospheric intervention.
Need to get from the bedroom into the foyer? Try one of these quirky chutes.
Graffiti and street artists around the world find their latest inspiration in the beleaguered NSA whistleblower.
A new exhibition transforms the "utterly ordinary" parts of New York City life into urban icons.


text:
Unifor Local 195 workers have reached a tentative deal with JD Norman Industries.
Local community care workers close in on strike deadline
BREAKING: Tentative agreement reached with faculty, U of W
Students to occupy University of Windsor administration and faculty offices
Even distribution of funds may solve university strike issue
Re: Windsor faculty divided over strike action, by Grace Macaluso, Sept. 10
After reading the article, I am quite concerned. It could be argued that I have no reason to be concerned about this issue, as I am only in Grade 10, but in one and a half years I will be putting in an application to a university. This is a big decision. Basically, I am deciding what I am going to do with my life. This is also a concern to all of Windsor and Essex County, because if students looking into applying to the University of Windsor see what's going on, this could tarnish their first impression of this wonderful community.


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Lost in the Echo
In My Remains
Until it Breaks
and Victemized!!!! .... but i think Until it Breaks will one of the biggest hits on the album
Lost in the Echo
In My Remains
Until it Breaks
and Victemized!!!! .... but i think Until it Breaks will one of the biggest hits on the album
Lost in the Echo
I'll Be Gone
Until It Breaks
Castle Of Glass
Until It breaks
Lost In The Echo
at first POWERLESS wasn't in my top 5 , but ever since I heard the snippet of that song, its moved into my top 5!
"Waiting for the end to come, wishing i had strength to stand, this is not what i had planned, its hard to let you go" Linkin Park <3
It's kind of difficult to decide because every song in the album sounds promising to me, but still, here goes:
1. Powerless - After the description that read "has the hefty of a John Williams score", I was interested in this song. It is currently my number one because the "snippet" of the LP Photo Shoot sounded amazingly epic.
2. Castle Of Glass - This song seems really intriguing to me, because of folk influence and the descriptions that say that it's really eerie and creepy.
3. In My Remains - A song that is dark and triumphant, according to Spin's review of it. I'm anticepating this one because it seems like it will be one of most energetic, yet most powerful songs on the album.
4. Until It Breaks - I'm not really sure what this song will be like because the reviews are really contradicting each other. Either it's a rap song surrounded by beats, or it's a ballad. Though, after reading Mike's interview with MTV, it makes me really interested in what it will sound like.
5. Lost In The Echo - Linkin Park's album openers have always been epic and awesome. Looking forward to this song, which has a cool name.
I think in the song description thread Until It Breaks was described as being created from four different demos, so it could be all those things at once for all we know.
*Formerly known as Manu, then Dinobot, and now Manu again because that's how I roll*
I wanted to hear CASTLE OF GLASS the most(still want to) but when a fan review said ''Mike sings the whole song'' ROADS UNTRAVELLED became my most anticipated. You know what? Fuck this CAPS LOCK shit I'm not doing it
Revamped list after everything we have read and heard and stuff
1. Lost in the Echo
2. Powerless
3. Victimized
4. Skin to Bone
5. Castle of Glass
2012/2013 Concerts:Formerly known as Bliss / Dementia
2014 Concerts:
February 17th- Imagine Dragons, The Naked and Famous, and Nico Vega. (US Airways Center, Phoenix, AZ)
August 31st- Ed Sheeran (Jobbing.com Arena, Glendale, AZ)
September 5th- Blake Shelton, The Band Perry, Dan+Shay, and Neal McCoy (Ak-Chin Pavilion, Phoenix, AZ)
September 10th- Linkin Park, 30 Seconds to Mars, and AFI (US Airways Center, Phoenix, AZ)
October 13th- Empire! Empire!, Free Throw, Cave Sounds and Glencove. (The Underground, Mesa, AZ)
Planned 2015 concerts:
April 6th- Ariana Grande and Rixton (US Airways Center, Phoenix, AZ)
May 22nd- Lana Del Rey and Courtney Love (Ampitheater Northwest, Ridgefield, WA)
June 27th- Kenny Chesney, Jason Aldean, Cole Swindell, Brantley Gilbert, and Old Dominion (Century Link Field, Seattle, WA)
July 25th- Train, The Fray, and Matt Nathanson (The Gorge Amphitheatre, Quincy, WA)
August 8th- Taylor Swift and Vance Joy (Century Link Field, Seattle, WA)
Vicitmized, Castle of Glass, Lost in the Echo, In My Remains, Roads Untraveled
Follow me on Twitter! My personal account: @sincerely_steff and my LP account: @LPSoldierProbs
I run Bennoda Bliss, ChesterBe Things, and Linkin Philanthropy on Tumblr
1. Lost In The Echo
2. Victimized
3. Lies Greed Misery
4. Burn It Down
5. Roads Untraveled
Visiting the Linkin Park concert at Jiffy Lube Live 2014, part of Carnivores Tour 2014, is the greatest moment in my life.
1.In My Remains
2.Castle Of Glass
3.Lost In The Echo
4.Roads Untraveled
5.Until It Breaks
I AM NOT ALLOWED TO QUOTE Linkin Park , AWWWWWWWWWWWWWWWW
#FILIP FOR MOD 2k15 !!!
Shutting' it down. Ask a moderator or admin before you decide to necropost to find out if it's okay.
There are currently 1 users browsing this thread. (0 members and 1 guests)


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This profile was last updated on 8/21/14 and contains information from public web pages and contributions from the ZoomInfo community.
Kandice HenningWrong Kandice Henning?
SAP North America Alliance Lead
Local Address: Chicago, Illinois, United States
Accenture LTD
1345 Avenue Of The Americas 6Th Floor
New York , New York 10105
United States
Company Description: Accenture Limited (Accenture) is a management consulting, technology services and outsourcing organization. The Company's business is structured around five... more
Pro2015_Iteration7.58[01] SEIDXWK-27


text:
Blakey ridge 25 mile mountain time trial. 9am Sunday 12th July.
Blakey ridge 25 mile mountain time trial. 9am Sunday 12th July.
Hi wheelers. Sorry it's very late notice but the official cut off date for the Blakey ridge 25 mile mountain TT was this Tuesday. Event organiser Shaun Joughin has been away on holiday and isn't back till later this week. However due to the oversight he has said if anyone still wishes to ride? If they drop him an e mail by this Thursday 2nd then he will add you to the start list. Shaun can be contacted on the below e mail,
Thanks, Dave k
Tuesday night club run, 30th June. Ayton tourist info car park. 6pm
Hi all. Tuesday night club run meeting as usual Ayton tourist info car park at 6pm for 6.10 set off. The weathers at last looking fantastic for the meet up back at the Buck afterwards. Lots of ride options this week. I will take the main mixed ability group to do the 3 sides of clay bank repeats. This has been requested by Shaun O'Sheas who is going to be off the bike for a few weeks after this for his knee opp. Steve Tilly is looking at leading a medium paced club run over towards east Cleveland somewhere, and there will also probably be the usual option of a faster chain gang around the country lanes. All regrouping outside the Buck aprox 7.45pm for refreshments!
See you all there. Dave k
Evening Series Week 7 – Results Update
The results for week 7, which was a two lapper on 28 May 2015, have been reissued. The original results sheet didn't contain the times of second claim members.
The updated sheet can be found here.
Apologies for any confusion.
Evening Series v Stockton Wheelers, 25th June
It's the return leg of our annual TT match against Stockton Wheelers this Thursday. We're in the rare (for recently) position of being ahead from the first leg, so let's try and keep it that way! It would be great if as many "big hitters" as possible showed up at Stockton's course. Sign on is from 18:15 on Mill Lane where there is also ample parking. First off is at 19:00 from a point just beyond where Mill Lane emerges onto the main road, both marked on the map below (click to enlarge).
It's a proper 10-mile course, but a fairly fast one. Course details are here.
See you all there!
Revolve 24 At Brands Hatch
Anyone looking for something a little different might be interested in the Revolve24 to be held at Brands Hatch on 19/20 September this year. It's basically a 24-hour relay race though it is open to soloists if you think you have it in you. 24-hour events are quite common in mountain biking, here's a chance to do one on your road bike. Entry is discounted by 15% for BC members up until 12th July. You can ride it just for the fun/thrill of it, or you can ride it for charity, it's up to you.
If you and your mates fancy this then give it a bash. An electronic flyer is available here.


text:
A process of brazing cracks and gaps in a single crystal article which takes places isothermally under the following conditions: the temperature of the isothermal solidification is between TLiqidus, Braze+5*(wt-%BBraze) and (Tsolidus, base material−70*(wt-%BBraze)), while (wt-%B*wt-%Cr) is between 15 and 40 and (Tsolv.γ′, base material−TLiqidus, Braze) is above 140° C. This results in an homogeneous γ/γ′-microstructure of the isothermal solidified, brazed joint with mechanical properties similar to those of the base material.
1. A method of joining or repairing cracks or gaps in a single crystal article made of a Nickel based superalloy with a brazing alloy comprising at least γ′-phase forming elements and at least boron as melting point depressant, comprising:
isothermal, epitaxial single crystal solidification of the brazing alloy,
wherein the Temperature of the isothermal solidification is between
TLiqidus, Braze +5*(wt-%BBraze) and (Tsolidus, base material−70*(wt-%BBraze)),
while (wt-%BBraze*wt-%CrBraze) is between 15 and 40 and
(Tsolv.γ′, base material−TLiqidus, Braze) is above 140° C.
2. The method according to
3. The method according to
4. The method according to
5. The method according to
6. The method according to
7. The method according to
8. The method according to
9. The method according to
10. The method according to
applying a braze slurry into and over the crack or gaps and applying a mixture of brazing alloy and filler material on top of the braze slurry, before the heat treatment of the brazing.
11. The method according to
removing a protective coating before the isothermal solidification: and
applying a protective coating after the isothermal solidification.
12. The method according to
cleaning the surface of the crack or gap from oxides before the isothermal solidification.
13. The method according to
Flour-Ion-Cleaning the surface before the isothermal solidification.
14. The method according to
15. The method according to
The invention relates to a method for isothermal brazing of cracks or gaps in single crystal components according to the preamble of the independent claim.
The wide use of single crystal (SX) and directionally solidified (DS) components allows an increased turbine inlet temperature and therefore an increased turbine efficiency as well. Alloys, specially designed for SX/DS casting, were developed in order to make maximum use of material strength and temperature capability. During operation of such components under high temperature conditions, various types of damages can occur. For example, cracks can result from thermal cycling and foreign object impact. In addition, cracks and inclusions may be incurred during manufacture. Because the cost of the components formed from high temperature nickel base superalloys is relatively high, it is usually more desirable to repair these components than to replace them.
The following state of the art methods for repairing high temperature superalloys are generally known:
U.S. Pat. No. 5,732,467 discloses a method of repairing cracks on the outermost surface of an article having a directionally oriented microstructure and a superalloy composition. The repairing is done by coating the cleaned crack surface with a material featuring the same material composition as said article. Thereby the coated crack surface is subjected to an elevated temperature and isostatic pressure over a period of time sufficient to repair the crack surface without changing the crystalline microstructure of the parent article.
In addition, a number of alternative methods of brazing for repairing cracks or gaps are known. U.S. Pat. No. 5,666,643 discloses a braze material for repairing an article, in particular components made from a cobalt and a nickel-base superalloy, such as gas turbine engine parts. The braze material is composed of particles featuring a high melting temperature which are distributed within the braze alloy. These particles could be of single crystal, directionally solidified, or equiaxed microstructure. But, even if particles featuring a single crystal structure are used, the structure of the repaired crack as a whole due to the braze alloy differs with respect to material properties from the single-crystal structure of the base material which leads to weakness problems of the brazed joint. This is especially valid for cracks located at stress concentrations.
The same problem occurs with the repair methods disclosed in U.S. Pat. No. 4,381,944 or U.S. Pat. No. 5,437,737 where a braze alloy and a filler material are used at the same time to increase the strength of the brazed joint. Another method of repairing by sintering is disclosed in U.S. Pat. No. 5,156,321.
It is object to the present invention to find an advanced process of joining or repairing cracks or gaps in a single crystal article made from a Nickel based superalloy by means of isothermal, epitaxial single crystal solidification of a brazing alloy.
This objective is addressed by a process wherein the Temperature of the isothermal solidification is between TLiquids Braze +5*(wt-%BBraze) and (Tsolidus, base material −70*(wt-%BBraze)), while (wt-%BBraze*wt-%CrBraze) is between 15 and 40 and (Tsolv.γ, base material−TLiqidus, Braze) is above 140° C.
These conditions lead to a homogeneous γ/γ′-microstructure with mechanical properties of the brazed joint similar to those of the parent material.
Stringent performance requirements dictate regular overhaul schedules which makes brazing of single crystal components an imperative and economical process.
The single crystal brazing conditions will fully maintain the single crystal structure in the braze-repaired crack resulting in a Young's Modulus as low as that of the base material. This leads to a high Thermal Fatigue (TF) resistance and Thermal Mechanical Fatigue (TMF) resistance as well to a high Low Cycle Fatigue (LCF) value in the braze-repaired areas.
With advantage, the braze material is Ni based and contains (wt-%) 8-15 Cr and (wt-%) 1-3 B.
The heat treatment of the isothermal solidification takes place at a temperature of 1120-1160° C. for 8 to 20 h, preferably at a temperature of 1140° C. For reasons of in-situ adjusting of the microstructure of the brazed joint there can be a heat treatment of 1180° C. for 30 min after the heat treatment. In addition, to allow a good melting of the brazing material there will be, before the heat treatment of 1120-1160° C., a heat treatment of 1180 to 1200° C. for 20 to 30 min followed by a cooling of 1-2° C./min.
After brazing the temperature is lowered at a rate of 1 -2° C./min to a temperature between 800-900° C. and it is held for 1 to 6 hours to precipitate γ′.
The crack or gap will have a maximum width of 300 μm. The braze slurry will be applied into and over the crack or gap and a mixture of brazing alloy and filler material is applied on top of the braze slurry before applying the heat treatment of the brazing. A protective coating can be removed before applying the method and the protective coating is reapplied after applying the method. The surface of the crack or gap can be cleaned from oxides before applying the method. A Flour-Ion-Cleaning-Method can be used for cleaning the surface before applying the process.
The invention is illustrated by the accompanying drawings, in which
FIG. 1 shows a heat treatment cycle for SX-brazing,
FIG. 2 shows a modified heat treatment cycle for SX-brazing,
FIG. 3 shows a phase diagram of a braze alloy
FIG. 4 shows a joint, which is brazed according to the invention.
FIG. 5 shows a EBSD Kikuchi map of a single crystal brazed joint and
FIG. 6 shows the pole figure of the EBSD Kikuchi of FIG. 5.
The invention relates to a method of repairing cracks or gaps in a single crystal article made of a Nickel base superalloy by means of brazing. Nickel base superalloys are known in the state of the art, e.g. from the document U.S. Pat. No. 5,888,451, U.S. Pat No. 5,759,301 or from U.S. Pat No. 4,643,782, which is known as "CMSX-4". The single crystal article could possibly be a part of a gas turbine such as a blade and vane or a part of the burner chamber of the gas turbine. During service the article is subjected to the hot environment of the gas turbine which leads to the deleterious effect of cracks and gaps in the surface of the article.
Before applying the method of brazing as described below, a protective coating such as MCrAlY or thermal barrier coating (TBC), has to be removed by a process of acid stripping, grit blasting or mechanical grinding. At the same time this method also cleans the surface layer of the parent material from unwanted oxides. In addition, the surface of the crack or gap may be cleaned from oxides by a Flour-Ion-Cleaning (FIC) process, which is widely known in state of the art. The FIC process removes the stable Al2O3 oxides and depletes Al from the surface, thereby improving the braze flow and the repair of the cracked components. The process subjects the oxidized (and sulphidized) components to a highly reducing gaseous atmosphere of hydrogen and hydrogen fluoride at high temperatures, which may yary from 900° C. to 1000° C. Such FIC-processes are disclosed, for example, in EP-B1 -34041, U.S. Pat. Nos. 4,188,237, 5,728,227 or in U.S. Pat. No. 5,071,486. After successful completion of the brazing method according the invention, the component will be re-coated.
In order to braze the crack or gap it is filled with a brazing alloy. The table 1 shows the content of different alloys used for experimental purpose.
A possible heat cycle for SX-brazing is shown in FIG. 1. The heating rate is selected in such a way that deformation and cracking is avoided. The heating rate from 1050° C. to the brazing temperature of 1140° C. is chosen very high (10-20° C./min) to guarantee good wetting and filling behavior of the braze alloy into the crack. The melting range of ΔT0 of the used braze alloy shall be bypassed very quickly in order to ensure a complete melting and a homogenous distribution of the alloying elements within the molten braze. The superheating itself i.e. the difference between the brazing temperature and the Tliquidus of the braze alloy, does not affect the wetting behavior. Brazing itself takes place at 1120-1160° C. When isothermal solidification is accomplished all the boron is located in the form of small borides in the base material near the braze joint. The chemical composition of the braze alloy after the brazing cycle will essentially be the nominal composition of the braze-alloy no. 1 to no. 8 without any boron. Diffusion and back-diffusion, i.e. diffusion from elements of the parent metal into the brazed joint of all other elements (Cr, Co, W, Ta, Al) are very slow compared to that of boron.
At the end of the heat treatment, the temperature is slowly lowered at a cooling rate of 1-2° C./min from the brazing temperature of 1140° C. to 850° C. and held there for 1-6 hours. This heat treatment acts as an in-situ gamma prime precipitation heat treatment for the brazed joint. As indicated in FIG. 3, which shows a phase diagram for the mentioned braze alloy without any boron. The γ′-solvus temperature is very low due to the low Al-content. During cooling from 1140° C. to 850° C. the γ′-phase precipitates in the brazed joint and forms a homogenous γ/γ′-microstructure with a γ′-particle size of 0.2-0.4 μm.
The brazing heat treatment must not effect the microstructure or the mechanical properties of the parent material. Long holding times at elevated temperatures (above 1140° C.) lead to coarsening of the γ′-particles in the parent metal.
As seen from FIG. 2, which shows a modified brazing cycle, there can be before the heat treatment of 1120-1160° C. a heat treatment of 1180° C. for 30 mm to allow for a good melting of the brazing material. This will be followed by a slow cooling of 1-2° C./min. to allow for the growth of single crystal structure in the brazing seam.
After the heat treatment of 1120-1160° C. a heat treatment of 1180° C. for 30 min for in-situ adjusting of the microstructure of the brazing seam before the precipitation of the γ′-phase.
Experimental Results, Influence of Elements
As a result the isothermal solidification of brazing was optimized when it is conducted under the following conditions. The temperature of the isothermal solidification has to be chosen between
(1) TLiqidus, Braze+5*(wt-%BBraze) and (Tsolidus, base material−70*(wt-%BBraze)), while
(2) (wt-%BBraze*wt-% CrBraze) is between 15 and 40 and
(3) (Tsolv.γ′, base material−TLiqidus, Braze) is above 140° C.
For the experiments of the base material a composition was used which consists of (wt-%) 6.3-6.6 Cr, 9.3-10 Co, 0.5-0.7 Mo, 6.2-6.6 W, 6.3-6.7 Ta, 2.8-3.1 Re, 5.45-5.75 Al, 0.9-1.1 Ti, 0.17-0.23 Hf, 200-260 ppm C, 50-80 ppm B, to balance Ni and unavoidable impurities.
This material has the characteristic temperatures
Tsolidus, base material=1340° C.
Tsolv.γ′, base material=1250° C.
The table 2 shows a selection of the elements Cr and B suitable for the isothermal solidification according to the present invention.
All eight braze alloys mentioned in table 1 and 2 meet the compositional requirements for Single Crystal brazing. The Chromium and Boron content mainly determine the eutectic-melting behavior between 1100 and 1110° C. If the boron content is below 1.6%, a complete melting and satisfying wetting behavior at a brazing temperature of 1140° C. can not be guaranteed. On the other hand, if the content of boron is too high, there has to be too much boron which has to diffuse into the base material. Thus, according to table 3 given above,
to fulfill requirements of the isothermal solidification resulting in a SX brazed joint with a homogeneous γ/γ′-microstructure. In general, the amount of Cr will be between (wt-%) 8-15 Cr and the amount of B between (wt-%) 1-3.
Boron and Chromium have a strong influence on lowering the melting point of braze alloys. Boron in addition with Chromium depresses the melting point significantly under 1200° C.
In general, elements such as Boron, Silicon, Hafnium, Zirconium can be used as Melting Point Depressant (MPD), but Boron is the favorable candidate to be used as the MPD, very little Boron (approx. 2.5 wt.-% boron) is needed to depress the melting point of superalloys significantly. Just using Silicon a minimum of 4.5 wt.-% is needed. In addition, Silicon is a slow diffusing element. As the time controlling step (holding time at the SX brazing temperature) during the brazing process is solid diffusion of Boron into the base material, a fast diffusing MPD is required. There only the use of brazing material which at least contains B and up to 3 wt.-% Si is intended. Using Hafnium or Zirconium as MPD's large amounts of Hf and Zr are needed (up to 15-20 wt.-%) because of the very slow diffusing behavior of these elements.
Chromium in the braze alloy results (together with Aluminum) in a good oxidation resistance of the braze-repaired area. Chromium as a strong solid solution hardening element increases the strength of the braze alloy. Table 3 shows the selected temperature range of the braze alloys.
The selected brazing temperature must be high enough to guarantee complete melting of the braze alloy and a high diffusion rate of boron, which acts as a melting point depressant into the base material. At the same time, the heat treatment temperature will have to be maintained low enough to avoid coarsening of the parent metal which can lead to property deterioration. For determining the isothermal temperature of the range according to the present invention, the temperature has to be above
and below
The brazing temperature must be under a certain value to avoid coarsening and rafting of the γ′ in the base material.
A too high brazing temperature results in a strong widening of the original crack width due to the diffusion of boron into the base material. As boron diffuses into the parent metal, the melting point of the parent metal is lowered. Boron acts as a melting point depressant (MDP). The more boron there is in the braze alloy there more boron will diffuse into the parent metal. This leads to incipient melting of the base material in the vicinity of the crack with additional eutectic solidification in those areas. This leads to detrimental mechanical properties.
Tab. 5 shows the temperatures TLiquidus of the braze alloy compared with the temperature Tsolv.γ′, base material of the base material.
For a good isothermal solidification process, the temperature gap between Tsolv.γ′, base material and TLiquidus has to be
The melting point of the braze alloy should be as low as possible, i.e. as low as possible under Tsolv.γ′, base material. This allows the brazing heat treatment to be long enough at the brazing temperature to avoid any harm to the base material and the according mechanical properties.
The stability of the γ/γ′-microstructure is strongly dependent on the Aluminum and Tantalum content. Ta stabilizes the gamma prime, an increasing Ta content shifts the gamma prime solvus line to higher temperatures. It is possible to design the microstructure of the brazed joint after the brazing cycle, which means without any MPD—Boron by considering the sum of the Al and Ta content. All eight braze alloys mentioned in Tab. 1 show a homogeneous γ/γ′-microstructure after the brazing heat treatment.
A tensile test with a 100 μm wide brazed joint in the middle of the gauge length performed at room temperature reached Rm=712 MPa. This is 72% of the parent metal (CMSX4) properties, Rm=986 MPa. The sample failed at the brazed joint. The tensile test results however showed that the brazed joint is capable of bearing high loads. As an example in FIG. 4 is shown a joint which is brazed according to the invention. It has a gap of 120 μm width. During holding at the brazing temperature the melt in the gap has solidified isothermally. To reach isothermal solidification with a γ/γ′-microstructure within reasonable time the gap should not be wider than 300 μm. FIG. 5 shows a Electron Back Scattering Diffraction (EBSD) Kikuchi map for the single crystal brazed joint. The blue color indexes the [001] direction. FIG. 6 shows the 001 pole figure of FIG. 5. The dark blue color and all the shades of the blue are indicating the [001]-direction, deviation less than 1°.
Patent Citations
Non-Patent Citations
Referenced by
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text:
By HARRIET LAIRD
Yasmine N. Brown of Pace is the inaugural recipient of an annual scholarship at Mississippi State honoring two former Rosedale residents.
By STEVEN NALLEY
Lee Ann Williamson has been part of her father Cecil Williamson's ministry since she was 11 years old.
By ERICA WERNER
Associated Press
WASHINGTON (AP) — President Barack Obama says being a dad is sometimes his hardest job, but also the most rewarding.
By COLLEEN MCCARTHY
It has been nearly a month since an accident left a local business woman in critical condition, and still no charges have been filed against the driver.
Recently First Baptist Church of Longview's Marriage Ministry went on an Excursion in Gatlinburg, Tenn.
I was recently in a parade of sorts. I sat on the back of a vehicle waving to children and their parents. A few of the children ran along smiling and giggling all the way.
By CARL SMITH
When it comes to piloting, Barre Seguin said there are two rules where a little extra runway makes a whole lot of difference.


text:
32 years of experience
Accepting new patients
Springfield, OR 97477 Phone number & directions
A medical license is required for a doctor to practice medicine in a particular state. Requirements vary by state but most require, at a minimum, post-graduate training in the doctor's specific specialty. An NPI number is a national identifier unique to an individual health care provider and is managed by the Center for Medicare & Medicaid Services (CMS).
Learn more about Dr. Alexander Morley:
View the full profile to get information on:
- Qualifications
- What's important to you
View full profile
Patient Reviews
The overall average patient rating of Dr. Alexander Morley is Excellent.
Specialties & Research
Dr. Alexander Morley, MD is board certified in Emergency Medicine and Family Medicine.
Education & Awards
Dr. Morley graduated from University of Colorado, Denver.
Dr. Morley has 2 hospital affiliations:
- Cottage Grove Hospital
- McKenzie - Willamette Medical Center
Similar doctors nearby
Dr. Eric Spencer
Dr. Ann Bowers
Dr. John Mackey
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Dr. Benjamin Bronicel
Dr. Tami Gerstner
- Additional Information
- Dr. Alexander K Morley MD is a male Emergency Medicine Specialist, has 32 years of experience and practices in Emergency Medicine and Family Medicine.
- Where does Dr. Alexander K. Morley practice?
- Dr. Alexander Morley has 8 office locations.
Dr. Alexander Morley practices Emergency Medicine and Family Medicine near Springfield, OR.
Additional practice locations include: Eugene, OR and Oakridge, OR.
See Springfield Emergency Physicians and Springfield Primary Care Doctors.


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Information Without The Bun
Not your stereotypical librarian
By Roger Green | About this blog
Posts filtered on Category
MLK: dead hero
"It is criminal to have people working on a full-time basis and a full-time job getting part-time income." – Martin Luther King, Jr. [Read More]
Unknown heroes: Charles Hamilton Houston and Lloyd Gaines
Lloyd Gaines… had been denied entrance to the law school at the University of Missouri because he was black. [Read More]
The song Strange Fruit
My near-relative Arnold linked to several versions of Strange Fruit, including one by Billie Holiday, [Read More]
Unknown heroes: Harriet Elizabeth Brown
Harriet Elizabeth Brown (February 10, 1907 — January 1, 2009) is a member of the Maryland Women's Hall of Fame. [Read More]
50th anniversary of SELMA: see the movie January 6, support the Underground Railroad History Project
Join with other supporters of the Underground Railroad History Project for the benefit Special Advance Screening of SELMA, scheduled for Tuesday, January 6, 2015. [Read More]
Race, bias and fear of death in policing, by Bradley Russell
The trend of citizens being killed by policehas been steadily climbing for the past two decades. [Read More]
The Ghetto Chopper T-shirt thing
Was the altered Price Chopper logo protected speech, as a trademark parody? [Read More]
45 years ago: my first time in a courtroom
I wrote a really angry note to the judge, but I had no intention of actually mailing it. [Read More]
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