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You don't pay for tutoring unless you find a good fit!
There are two main reasons why I'm the perfect tutor for you. First, I have a deep understanding of many advanced science and math courses. More importantly, I have a proven track record of being able to make this complex information understandable to students. Because I'm applying to medical school, I have excelled in all of the high level science courses in the pre-med curriculum, including organic chemistry, general chemistry, physics (trig-based), several biology courses, and two semesters of calculus. I love teaching. I come from a long line of teachers, and my mother, sister, and brother all teach (elementary, high school, college, in that order), so teaching/tutoring is in my blood. I love to find creative ways to break down complicated topics into simple, easy-to-understand ideas. In fact, my organic chemistry professor (who has been teaching orgo for several decades) liked one of my teaching techniques so much, that she adopted it for herself, and gave me credit for it in her lecture. I love to empower students to learn how to learn better for themselves. If you get to the point where you no longer need me as your tutor, I consider that a success.Most recently, over the last few years, I've tutored orgo 1, orgo 2, bio 1, bio 2, and cell and molec. Those who get A+s in my college are often asked to lead workshops for those classes, and I led workshops in both orgo 1 and gen chem 1. In the past, I've also tutored writing, and test prep for several personal-training certifications.By the way, I'm great with kids. Even though most of my recent tutoring has been with college students, in the not too-distant past, I've also tutored kids of all ages, from elementary school through college.
I was on the math team in high school. I recently have taken calculus and physics, both of which use lots of algebra, including algebra 1. I have been teaching/tutoring for years. I have a proven track record of being good at breaking down tough, complicated concepts into simple, easy-to-understand ideas.
I have been tutoring biology since 2009, when I took biology 1 and biology 2. I have helped many students pass or even excel in their bio classes.More recently, I have also taken genetics, cellular and molecular bio, and biochemistry, all of which have reinforced my knowledge of the introductory biology courses. These extra courses gave me a deeper understanding of biology which translated directly to making me a better tutor. Not only did I benefit, but my students did, too.Read More
I've been tutoring chemistry and leading workshops for the past few years. Students have told me that I'm good at breaking down complicated ideas so they can understand them more easily. I like to use examples and metaphors from outside chemistry in order to make the chemistry more clear.
For two years, I was a full time writing tutor at my college's writing center. I love teaching writing. A huge part of that is teaching grammar. I realize that English is a very difficult language with a lot of grammatical rules that honestly don't make much sense. But with practice, grammar can be mastered. And I'm here to help with that.
I recently underwent a pre-med program in which I aced physics 1 and physics 2, and I also have tutored students in physics. My specialty is breaking down tough concepts into simple, bite-sized ideas that are easy to digest and understand. In physics, this is particularly important. I'm confident I can help you succeed in physics.
I've been tutoring pre-algebra for the past few years with good results. I've been told that I'm particularly good at explaining tough concepts like word problems. I love making math fun and accessible for students of all ages!
I'm a musician (among other things). I studied music in college. I've been in many bands, including my own (although we've since broken up). I write songs and play piano, keyboard, and drums. I've won several international awards for my songs.I can definitely help you with music theory. Let's get started!
I can help you with writing. How do I know this? First and most important: I've been tutoring writing for many years with great success. In fact, for two years I tutored writing full-time. Second: I love writing, and it's easy to teach something you have a passion for (and no, I'm not going to say "something for which I have a passion," because it just sounds awful). Third: I have had 15 letters published in a major city newspaper. Fourth: I always... Read More
Anatomy is a special subject to me - I love it. Although I tutor many subjects, anatomy is by far my favorite. I aced anatomy and physiology, but that's not how I learned it. I live anatomy every day. I have been a personal trainer for many years. It's my job to know anatomy. But it's also my job to apply that knowledge on a daily basis.In addition, I have been teaching anatomy to personal trainers for years. I also tutored students (non-trainers) in anatomy... Read More
I have tutored elementary math in the past with great results. Students (and parents) have told me they like the fact that I'm patient, and that I have a good command of the material. I'm creative, and I try to make mathematics - which can be a very dry subject - come alive for kids, so they are more motivated to learn.
I play piano, I've had my own band and been in other bands for more than 20 years. I've written songs that have won awards. I've taken several music theory classes.
I have been teaching or tutoring for years. I have worked with elementary students, teaching various subjects including reading and math, and even P.E. I've taught after-school classes in various subjects. I'm certified on this website in elementary math, elementary science, pre-algebra, reading, writing, and other subjects that apply to elementary education. I'm confident I can help your elementary child succeed in his or her classes.
I have been tutoring study skills for the last several years. I usually incorporate it into a specific subject that I'm tutoring, such as organic chemistry or physics, but as part of a mentorship program, I helped several mentees specifically with study skills, such as time management, test taking skills, and general organization.In my own life, I've had to develop serious study skills. I recently completed a pre-med post-bacc program that involved very difficult, time-consuming science... Read More
I received an A+ in organic chemistry 1 by the hardest professor in the college. I was hand-selected to lead her workshops. I also have tutored organic chemistry 1 and 2 for the past few years. All my students give me rave reviews for how much I helped them in this tough course. Even my organic chemistry professor (who has been teaching organic chemistry for several decades) adopted one of my teaching techniques and gave me credit during her class.
I've been tutoring fitness for nearly 2 decades. I've taught fitness certification prep courses, both in one-on-one tutoring, and in the classroom. Not only have I helped others with fitness, I myself hold all of the top certifications in the fitness industry. So I won't be tutoring you on an exam I've never taken, or done well on.Over the years, I've tutored hundreds of students, both aspiring personal trainers and people taking A&P. I'm confident I can help you as well.
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Very effective, patient tutor — Eytan figured out my son's personality and problem with the material very quickly, was very clear and effective with him, even enthusiastic! I recommend Eytan highly.
— Thea from Bronx, NY on 12/18/12
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change configuration
21 Trafalgar Street, The Wood, Nelson, New Zealand
This 4-star motel in The Wood is centrally located.The motel features wireless internet access in public areas, room service and a dry cleaning service. It also offers a laundry service and parking.The rooms at the Kings Gate Motel include a kitchenette, a refrigerator and an in-room dining area. Amenities featured in the rooms include cable / satellite channels, a microwave and tea and coffee making facilities. There is also a flat-screen TV and a DVD player for guests' entertainment.Nelson Airport (NSN) is less than a 20-minute drive from the Kings Gate Motel. Grampians is five minutes away by car.
Please enter dates of your stay to check availability
Room Service, Refrigerator, Cable / Satellite TV, Kitchen / Kitchenette, Coffee / Tea Maker, Microwave, Hair Dryer, TV, DVD Player, Shower
Dry Cleaning, Laundry service
Wireless internet on site.
Parking is available.
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subset: commoncrawl


text:
The Fabric of Death
The bitter winter moon glared down upon the weary hunter, as it parked itself upon a wooden chair admiring its handy-work; its camouflaged trap poised and ready to snatch away the freedom of any unexpected victim. Waiting, watching, listening. Gradually, the silent slayer managed to slide itself into an expected sleep, dreaming of what the invisible prison has gifted it. The hunter slowly awoke as daylight struck its bulk, hefty canvas; its legs creaked and groaned while it made its way over to the trap that was skilfully sculptured the previous day. Eager to see what was within the prison, it stepped boldly toward the rim and stared expectantly inside.
The trap contained only a few crinkly leaves that had floated from the towering trees above, which guarded the hunter's hideout. The hunter shuffled its way back towards its poorly built shelter, and slumped back into its chair; watching the world go by, hoping to get a glimpse of its victim. The icy wind howled through the fractures in the dampened lodge, as the rain dived out of the murky, muddy skies. Flowers and weeds smiled whenever they managed to get a glimmer of the sun, which desperately struggled to get through the thick layer of cloud. Still cold, still hungry, still waiting, the hunter kept a sharp eye on its lifeless surroundings. The damp stench of soil, blended with the sweet scent of flowers floated through the dense air; then, the unique aroma drifted its way elegantly through the hideout where the hunter was positioned. Shivering and shaking like a rattle snakes tail, the hunter was anxiously trying to get comfortable in its awkwardly shaped rigid chair.
Suddenly, there was a tiny drone. An eagerly awaited noise was advancing towards where the hunter was positioned. The prey was approaching. Quickly, the hunter screened itself behind its shelter, away from the forthcoming victim. Excitement and anticipation filled the hunter's bloodthirsty mind; its lips grew moist and its heart began beat like a drum within. The drone gradually got louder and louder as it approached the hunter. Then, silence. Peering round the corner of the shack was the hunter, looking very confused and bewildered. The drone had stopped. Its next victim had seemed to have taken an unexpected detour, which caused it to steer away from the trap; still watching, still waiting, still ready to pounce. As night fell, rain began to fall and the wind picked up rapidly. The lonesome, exhausted, hungry hunter fell backwards into his shelter and stared up toward the roof; it seemed to be crying as water dripped through the small rips and holes. Hope had seemed to have gone for the hunter as it lay motionless on the deck of its shack.
An hour passed. Lying on the floor and finding it hard to keep its eyes open was the hunter; eyes became heavier after every blink. The hopeful drone from earlier in the day kept replaying through the mind of the hunter as it struggled to pull itself up. Then, the hunter realised that the drone wasn't in its head. It was real. Becoming louder and louder by the minute. This time, the victim was not going to get away; it was going to become the traps next catch. A smell of delight filled the air as the prey advanced closer, and the taste buds of the hunter began to tingle yet again. All eyes were on the distance, ready to get the first glimpse of the unfortunate victim; there it was. What the hunter had been waiting for, for what had seemed years. An indescribable sensation filled the hunter as the victim became larger as it grew nearer, the moment had come. Crack!
The trap had pounced and successfully stole away the freedom of the prey. Wriggling, whaling and squirming lay the victim. With every movement the trap became tighter, its grip became stronger; it was swiftly tangling itself up within the trap, making the job of the hunter much easier.
From behind its shack appeared the hunter. The prey, alive and still rolling around in the trap turned to face its killer. It immediately recognised who it was, and frightfully what was going to happen within the next couple of minutes. The hunter chuckled to itself as it lowered down to the petrified prey; the catch of the day was about to become an appetizing meal for the bloodthirsty killer. With a grin on its face and a pair of sharp tools, the hunter looked deep into the prey's eyes. The glare penetrated straight through the victim who gave off a little cry before producing a loud gulp. A perfectly constructed trap had ripped away the freedom of this unfortunate creature. Now the malicious murderer was about to rip away its life. With one forceful rapid movement, the creature had been sleighed. All that was left was the hunter to enjoy its well deserved meal, which it had longed for. Wiping the blood from its lips and the sweat from its brow, the hunter clambered out of the trap and made its way towards the shelter. It looked back upon the lifeless corpse of its victim and smiled.
The trap had done a superb job and has served the hunter well; perfectly crafted in every way and tremendously deadly to all. Extremely lethal to anyone or anything that crosses its path. Invisible and camouflaged to its prey, it waits in complete silence. The hunter crawled away from its beaten shelter, leaving its trap to be swept away by the storm that was developing in the distance. This spider has had a very satisfying day, and is now moving on to a new spot where it can build another beautiful web, ready to capture the freedom of another bewildered creature; a death trap which will be sculpted using the fabric of death.


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You're watching...
Traveling With the Kids
J.D. Rinne, editor of Budget Travel, on what you need to know when traveling with kids.
May 5, 2011
You're watching...
J.D. Rinne, editor of Budget Travel, on what you need to know when traveling with kids.
May 5, 2011
Also in this playlist...
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-- -- Well well aren't -- the second and I wouldn't mind if we just went home and expect it seems like -- I -- riding -- and that's after another.
-- -- -- -- It isn't the moment.
-- -- -- Bloody thing.
This is crazy this is crazy Clark -- all -- had a little rain and some -- financial circumstances stop the sale of vacation.
The law -- world first ones here and a recession is not stopping thousands of Americans are embarking on a great summer Stanley trip.
The rules of the game had changed here to tell us.
I need them most family fun for your dollars -- -- ran how are you JD great great to be here thank you all right now what we were talking earlier about theme parks and how winning just seemed to have.
They have a when you look at Disney's numbers for example a theme parks are lagging and making a lot of money on movies and even TV but not theme parks and and the way back.
Well you know there's a new I -- opening a new theme park called Harry Potter is Wheldon was dating and getting more out.
And that's really gonna make a splash this -- -- that opens in June accent ad budget travel dot com we have a deal right now that starts at 285 dollars and that includes four nights at the park.
And theme and it's so it's a great DL I think found their way back senior editor good challenge does that mean you get to go you get inflated -- trips and what we did didn't I didn't get up there yeah actually done except press checked because we want to be assigned to -- cannon married with a nice and I'm I'm single mother I have three kids I.
Will not travel without the all inclusive.
Right just because you know I still have kids 51 might think and a I have a long -- fourteen dollars and hamburger rate we have we are some of the better places for him was to go -- -- -- -- -- -- top -- is all inclusive as you mention -- unclear -- that means that when you -- your -- -- -- -- meals.
Activities like water sport -- I aching and kind of all those great things.
-- -- hotel taxes and fees included often -- an all inclusive resorts kids stay for free.
Says something to watch for on the opposite resorts are mostly in Mexico and the Caribbean the great place to go on -- summary can get away and -- in the beaches.
I'm for that especially greatly travel and I can you can do -- -- your booking hotels again between the -- house.
Look for what the rules -- kids.
Family friendly hotels will allow kids eighteen and under to stay for free in the room you really watch for that.
I'm also you can government asks if he remembered at the hotel can sometimes -- -- death nation itself there's this great hotel in San Francisco called hotel -- back and I think kids to eat.
For the kids get their own room with bunk -- I'm kid friendly dvds for the flat screen and karaoke machines didn't have a little.
You can take them to the hotel even San Francisco it -- -- thing -- -- -- hanging out.
That's enough.
Can agree not have a friend who has two daughters and you just kills himself try to -- what to do with these two daughters you know.
So but he took him down at Disney and there was princess camp died last -- holy cow it ain't cheap.
I'll do it months in advance diet but it's like it's perfect because all the sudden he has the solution and they love -- these things that I I would imagine theme parks have to do once they do on.
-- the waiting list that men will pay any amount of I made their -- -- like that any out of money.
This programs like that actually in Yellowstone National Park which is that world's first national park it's stunning for kids and -- kinds of natural -- Steve there.
They haven't junior Rangers program for -- under twelve very much like that you know kind of -- camp experience.
An educational activities and some really -- you know learned here ranger is being made that that's a great point that you oftentimes you can do activities -- location for kids.
We just talk about the cruise industry there's some cruise lines -- ships that are good for families and budget conscious well Disney of course has some great cruises on those aren't exactly cheap that's more an alleged experience of course if you're planning to splurge go for it that is very family friendly oriented.
The other cruise lines are also great with that Royal Caribbean is -- -- any of the larger cruise lines are gonna have lots of activities for families and kids.
But we saw Clark there is walled in the wag in the town and country with a wooden paneling which I have my parents -- -- I'm -- Are we still piling the kids in the car and traveling by car these days maybe even more so nowadays.
Yes even with a high gas prices that you know handling their choosing road trips as part of there you know travel.
Ways to get around so.
Only did a temperature of either just released a survey that showed that 92% of families are still gonna travel this year which I think -- -- stunning statistic.
And good -- many families don't need to get out there you know there ways to save money road -- his line.
You can go camping camping Phillies are very budget option and sometimes -- can go to fifteen minutes on the road and it feels like -- got away.
I would tell you I take my kids to a hotel that's ten minutes from the house for the night and we stamina and their problem though winter.
They don't know -- big thing and it's eighty bucks it's I get a coupon.
-- hot seat but not -- dollars for us and -- -- and breakfast the next morning I read your point is dead on is getting out of your normal environment right right doesn't feelings are still traveling the recession has not kept -- home now and how.
And that's good news I think actually that same survey they discovered that 33% of families and go to a domestic and an international location -- here.
The -- you're -- an immense stress you know and I think.
Especially anecdotally -- budget travel we hear a lot from our families that they're still going out there making their budgets -- -- them older brother just like we all -- Are you finding that families are still interested in the traditional spots that we talked about a little earlier like mount Rushmore in the -- canyon and Niagara Falls -- he can beat.
We went to all fifty states or 48 contiguous states when I was a kid literally.
Real -- driving around and we saw America and I look back with fond memories are -- -- -- wanna do that.
Now -- chorus you know a great way to make the memories it's attract family -- -- -- camping before this is not camping in -- this is -- sleep -- camp.
But everybody gets to go out now and hand that sometimes if India -- -- that you can do with the family reunion.
Everyone goes to can't peacefully -- bounced back to think in cabins.
And you have fun memories like fifteen canoeing and -- great things that kids look back and remember really well -- -- cute.
April -- like an April issue it's comfy and the island and we can't -- cancer and and it's a great -- fact that 700 dollars per person but that's for a week and everything's included and -- all inclusive.
Family reunion from my five Brothers and sisters and their might eight nieces and nephews I would you vacation after that -- Yeah there's liquor and all these -- to -- -- -- surveillance yeah I DJ and people cool I -- -- -- they just worthless but of course what did you do any I want you actor -- I think I'm.
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text:
About Me
About me?! About you!
Member Since
January 14th, 2007
End of an Era... Comes to an End.
My local newspaper has some great editors... Source: The Journal News.
Some sushi have RAW fish
I was at a market in the upper west side, and saw this warning label over a case of sushi.
For your safe... (engrish)
I was at a chinese food restaurant in Chinatown, and at the bottom of the escalator was this helpful warning.
Moral Majority?
Jerry Falwell's version of Hell: Getting raped in the ass by a biracial gay Scientologist married couple. Actual Hell: Everyone is Jerry Falwell.


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Allow this chair to provide your home with an inviting and relaxed atmosphere. The traditional style can be seen in the classic rolled arms, tapered wood feet, and the rolled top of the seat back. The alluring look is highlighted with the fluid skirt accented by a contrast skirt underneath. The two different fabrics create an alluring effect, completing a flawless composition of the chair. The thick seat cushion and the built seat back will allow you to unwind in ultimate comfort.
The Jodi Upholstered Chair by Broyhill Furniture is available in the Cadillac, Traverse City, Big Rapids, Houghton Lake and Northern Michigan area from VanDrie Home Furnishings.
This item has been tagged as:Rocker, Rocking Chair, Nursery Furniture, Nursery Rocking Chair, Glider, Nursery Glider, Glider Chair, Glider Rocker, Glider Rocking Chair, Glider Rocking Chair, Childrens Room Rocking Chair, Chair and a Half, Chair and a Half Recliner, Chair and a Half Sleeper, Chair and a Half with Ottoman, Big Chair, Oversized Chair, Chair and Ottoman, Ottoman Chair, Chair and Ottoman Set, Accent Chair, Chaise, Chaise Lounge, Small Chaise, Chaise Lounge Chair, Custom Chaise Lounge, Chaise Lounger, Double Chair, Exposed Wood Chair, Accent Chair with Wood Arms or Legs, Exposed Wood Seating, Exposed Wood Pieces, Wing Chair, Wingback Chair, Queen Anne Chair, Easy Chair, Fireplace Chair, Daybed
VanDrie Home Furnishings is the premier home furnishings retailer in Northern Michigan with beautiful furniture stores that carry a full line of furniture, home furnishings, mattresses, major appliances, consumer electronics, and floor coverings. We have been family owned and operated for over 50 years, serving Northern Michigan. If you are decorating a room, remodeling your home or just looking for a sofa, chair, table, recliner, home theater seating, bed or desk , our showrooms have the finest selection of furniture on display in Michigan. We offer interior design and floor planning assistance and the lowest prices in MI. We also offer name brand appliances (refrigerators, laundry, ovens, dishwashers), floor coverings (carpet, vinyl, hardwood floors, tile, rugs), and electronics (televisions, projectors, surround sound audio systems). La-Z-Boy, Ashley, Bassett, Broyhill, Lane, Simmons, Klaussner, Howard Miller, Carpet One, Congoleum, Armstrong, Hunter Douglas, Mohawk, Shaw Rugs, Sony, GE, LG, Frigidaire, and many more. The greatest selection, the best service, and the lowest discount prices in Michigan. Now you can Shop for Furniture Online here at VanDrie.com - our new furniture web site. This e-furniture.com site is designed to simplify the way you shop for furniture. On our website, you will not only find an unsurpassed amount of information about our products, but we have also simplified your ability to search for furniture by feature and to do side by side furniture comparisons. Shop online, use this home furnishings website to find furniture stores, find appliance stores, find electronics & home theater stores, find mattress stores and find carpet & flooring stores, research before you buy, then come into our stores and get the personal service that you want and deserve. If you see something you like or if we can be of assistance, please contact us.
Information Accuracy - We have taken great care to provide you with information that is accurate and useful. Please notify us if you find an error, and we will do our best to correct it. We ask that you contact us directly and visit our stores to confirm information about pricing, color, features, dimensions, availability and special order lead times.
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The New Year has arrived and I'm happy I was here to ring it in. I love new things like new shoes, new clothes, the beginning of a new week, and last but not least the beginning of a new year. I intend to buy more clothes and shoes and enjoy Mondays. But I don't usually make New Year's resolutions because my inspiration to accomplish something is never sparked by the anticipation of January 1. This year will be no exception.
Happy New Year!
© 2011 – 2012, CherylNation. All rights reserved.
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Seal and Heidi Klum
Charley Gallay/Getty
Nearly three months after announcing their separation following almost seven years of marriage, Heidi Klumhas made it official and filed for divorce from Seal, PEOPLE has learned.
A petition was filed Friday afternoon in Los Angeles Superior Court, PEOPLE confirms.
"While we enjoyed seven very loving, loyal and happy years of marriage, after much soul-searching, we have decided to separate," the couple previously said of their split.
"We have had the deepest respect for one another throughout our relationship and continue to love each other very much, but we have grown apart."
Rumors first swirled that Klum, 38, and Seal, 49, were planning to divorce the day before they made the announcement. For the couple who married in Mexico in 2005, the split played out in headlines as the end of a fairy tale as both Seal and Klum gradually stopped wearing their wedding rings.
Although multiple sources told PEOPLE that the couple hoped to reconcile, by mid-February it was clear a reunion would not be in their future after all.
Seal was vocal about their split in the weeks following their announcement. "When you publicize your marriage as much as our marriage was publicized, when you renew your wedding vows, when you do all those things, what you are saying to people is … you're giving people a picture of an ideal relationship that people aspire to," the British singer explained in February.
"When it goes south, you can't all of a sudden take the philosophy of a monk and decide to go for a vow of silence."
The quieter Klum acknowledged in the April issue of Elle that she couldn't control what Seal said to the press, but "it's hard."
"People don't need to know who did what," she said. "I don't want to talk positively or negatively about the ups and downs that we had."
The couple are parents to four children: Leni, 7½, Henry, 6½, Johan, 5, and Lou, 2.
Flashback: Heidi Klum: Seal Is 'My Better Half, My Everything'
Source: Heidi Klum Files for Divorce from Seal
celebrity, content, court, d, h, heidi, Heidi Klum Files for Divorce from Seal, hot, hotpz, hotpz.com, l, new, search, wedding, wedding-vows, years


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Snack Attack- Dorito Bread
Dude, sometimes you get the munchies and Doritos are the perfect flavor expeirence to satisfy the craving. When we discovered this video of Dorito bread, we instantly wanted to try it. We are always down for mixing and matching foods together. Big munchies thumbs up to Andy Rapoport for creating this kick ass recipe for Dorito Bread via Bon Appetit!
We also applaud the Frito Lays with their website filled with tasty Dorito/ Cheeto/ Frito filled recipes that make our mouths water!
Happy Halloween!
Get your munchies on with a lil candy this Halloween! Happy Halloween from all of us here at I've Got Munchies... including your favorite stoner Mary Jane! Cheers!
Chocolate Chip Cookie Covered Oreo
I've Got Munchies- Making Chocolate Chip Cookie Covered Oreos from I've Got Munchies on Vimeo.
Great recipe for those who are addicted to Oreos and want to mix it up a bit with a late night munchies snack.
- Premade Chocolate Chip Cookie Dough
- Oreos (Mini or Regular Size- Use Your Favorite Flavor!)
- Cookie Sheet Tray
- Preheat Oven to 350 Degrees
- Place 1 tablespoon of chocolate chip cookie dough on top of Oreo and 1 tablespoon of chocolate chip cookie dough below the Oreo
- Spread the cookie dough around the Oreo to completely cover Oreo
- Place covered Oreo on cookie sheet tray
- Bake for 10-14 minutes or until golden brown
- Cool and Eat!
I've Got Munchies- Takes A Bite Out Out Chocolate Chip Cookie Covered Oreos
On this episode of I've Got Munchies, watch Mary Jane deal with her new UFO friend and bake chocolate chip cookie covered Oreos. Also featuring: Ricky's Top 5 Ways To Enjoy Alcohol, Squirm & Germ's "Tap That Ass- Session", Christine Quinn's Campaign Ad, Covered Up and Becoming My Dog.
MNN Air Dates: October 28th, 2013 and November 11th, 2013


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Average grade: 5.5 %
Length: 11.6 km
Height start: 1143 m
Height top: 1778 m
Elevation gain: 635 m
Maximum: %
Navafria rankings
Difficulty ranking world: 3001 (all)
Ranking Spain: 331 (all)
Difficulty score: 65.14 what?
Your rating (rate it) No ratings submitted yet. Rate here!
The Navafria is situated in Madrid
Starting from Lozoya,
the Navafria ascent is 11.6 km long. Over this distance, you climb 635 heightmeters.
The average percentage thus is 5.5 %.
Look for other sides to climb the Navafria.
profile Navafria - click to open in new window
open big profile of the Navafria in a new window
Special thanks to climbbybike.
Find all information on climbs and cycling in Madrid and find all climbs in Madrid on a map. |
Other climbs close to the Navafria: within 10 km - within 20 km - within 50 km |
Did you climb the Navafria? Please send your cycling story, description or comments. You can also send us video's or send us pictures on the Navafria.
© climbbybike™ All rights reserved 2005 -


text:
Having problems installing XML-Parser module on SunOS 5.8.
Perl version 5.8.7
Expat-1.95.5 installed successfully.
Perl Makefile.PL successful but encounter this problem doing make
# make install
make[1]: Entering directory `/var/tmp/XML-Parser-2.34/Expat'
rm -f ../blib/arch/auto/XML/Parser/Expat/Expat.so
LD_RUN_PATH="/usr/local/lib" gcc -B/usr/ccs/bin/ -G -L/usr/local/lib Expat.o -
o ../blib/arch/auto/XML/Parser/Expat/Expat.so -lexpat
ld: fatal: file /lib/values-Xa.o: unknown file type
ld: fatal: File processing errors. No output written to ../blib/arch/auto/XML/Parser/Expat/Expat.so
collect2: ld returned 1 exit status
make[1]: *** [../blib/arch/auto/XML/Parser/Expat/Expat.so] Error 1
make[1]: Leaving directory `/var/tmp/XML-Parser-2.34/Expat'
make: *** [subdirs] Error
Seems make file is unable to find /lib/values-Xa.o file.
Tried out installing XML-Parser module using Solaris-PerlGcc-1.3, it got installed but system is not recognizing perlgcc. Do we need to set some path values for it to work?
Any suggestions on this issue will be appreciated.


text:
Get US $10 off for single orders greater than US $100
When you purchase more than one item, please add them to the shopping cart to get the discount.
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text:
cheryl clendenon
Latest posts by cheryl clendenon (see all)
- Highpoint 2013! Fave Finds! - 24/11/2013
- My dream bath…with Mr Steam! - 14/10/2013
- The new super power: Hindsight - 23/09/2013
Ok, I am working on a great and detailed blog post for tomorrow that I hope will be beneficial info for many readers….designers as well as consumers….but in the meantime, while working on that post,diligently, sweating, worrying about all the details…I received an email from Subzero/Wolf telling me "sorry charlie, no winner this year" or something like that..actually was quite nice and all that blah blah but essence of email:my favorite kitchen of all time won nada in the contest.
Sorry to Stacy also, (my co designer and all around besty assistant ever). Several times throughout the design process and installation, Stacy, my client and myself commented…."Hey, is this not the most awesome kitchen EVER?? OR, will we be the only three people in America who love it??"My entire staff worked very hard on the project. ( BRAVO STAFF!) We executed all details as well as design.
So, since one of the perks of having your own blog is, well having your own blog….and being able to post whatcha feel like posting..on any given day….heh heh heh…I am going to post my NON WINNER here! Please feel free to comment.In fact, I am throwing myself at you to comment. Good or Bad.
Don't worry, my feelings are already really hurt by SZ and Wolf so I can take it. I think.
Truthfully, it is definitely a custom designed space for a custom home for a truly one of a kind client. Whom I adore. It was not an easy design as the open floor plan and towering 14 ft ceilings needed some heft to balance well. We even coined a new word in her honor working on this job: "pegaliscious". This might explain some of our design details! I really did think it had a chance even though I will be first to admit that the SZ/Wolf contest is usually some of the finest work around. I don't know about this year as I have not brought myself to check it yet…but you can HERE.
And I promise to have a heck of a post by the end of the week. Just humor me here with my momentary sadness at being a NON WINNER but a big CONGRATS to all the winners. I know that when I can bring myself to look, it will be great projects.


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- Country: BZ
- City: San Pedro
- Toll-Free: 501-226-2778
- Address:
Beachfront Barrier Reef Drive
You get the best of all possible worlds at The Mayan Princess Hotel, a hot spot for serious divers. The hotel is located right on a white-sand beach, with quiet rooms and plenty of hammocks for swaying to views of the Great Barrier Reef. Yet this gem is smack in the heart of San Pedro, a colorful town filled with shops, restaurants and bars. Best of all, the dock right out front is home to the Amigos del Mar dive center, a PADI-certified facility that offers scuba excursions as well as lessons, snorkeling trips and fishing expeditions. Packages are available. At The Mayan Princess, all rooms have kitchenettes. No need to cook breakfast, though: pastries, fruit juice and coffee are complimentary every morning. Rooms are cleaned daily. Internet access is free.
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Article Preview
MERGER OF ALUMNI PROPOSED AT YALE; Formation of One Unit by the Graduates of the 3 Big Branches Is Predicted. URGED AS ECONOMY STEP Group 'Truly Representative of All Its Members' Is Stated as Goal.
Special to THE NEW YORK TIMES. ();
December 06, 1936,
, Section GENERAL NEWS, Page N4, Column , words
NEW HAVEN, Dec. 5. -- A definite plan for merging, after graduation, the classes of Yale College, or the academic department, and the Sheffield Scientific School and the School of Engineering, the undergraduate departments of the university, has made headway, and predictions are made that as alumni the three class organizations will soon be one unit.
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Las Vegas Wynn Las Vegas Buffet Hotels + Dry Cleaning + Luxury Hotels
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Reviewed by Brian M. Carroll
60 Min | Dance Dramedy | PG
This is Pollux Dance's first full-length dance. Choreographer Leslie-Ann Glen has programmed a complete story arc (with subplots).
Girl has charming urban life among her pretty and handsome friends.
There is much pretty dancing. Cute scenes of infatuation. Pretty people parading the promenade, showing off their new accessories.
And then there are a few scenes of real romance, beauty, and drama. It is these that stick in my mind.
Girl meets boy.
When the mannequins come on stage, I feel the stage at last come alive. The pas de deux of the mannequins is romantic and sweet. Two dancers, Austin Fagan and Joanie Audet, enliven mannequins of opposite gender, animating their gestures with Ronnie Burkett grace. Dating. Popcorn at the movies. Cocktails at the bar. Return to apartment, together. It still brings a smile to my face.
Subplot: pas de quatre.
Olivia Citter's pas de quatre with the three men of the company touched my heart with its beauty and passion. I don't know how it advances the plot…
and I don't care. I close my eyes and I still savour it.
Girl and boy trying to…
understand each other. The duet between Ana Grappler and Falciony Patiño Cruz is sweet without being cloying. Bittersweet. Their movements are a conversation. THAT conversation. Is this more than just infatuation?
Girl hurts boy.
I found the pas de trois with mannequins (Fagan and Audet) and Tyler Gledhill wrenching, as Joanie Audet's male mannequin literally falls to pieces.
Girl begs forgiveness.
This is a moving double duet. Citter and Gledhill play out the scene as girl wants: girl proves her love, winning back boy. Grappler and Cruz play out the reality.
I found the choreography for the female dancers a convincing mix and range of emotions: flirting, teasing, shyness, passion, lust, love and sorrow.
But Glen's choreography for men struck me as showing less understanding. While the men are usually strong and stoic, only in the "Trying to…" duet did I get hints of real overwhelming passionate love and delight from a male character. The mannequin pas de trois shows a male abandoning stoicism, but to pain, not to love.
Much as I enjoyed the mannequin pas de deux, leaving them on stage, supposedly in coitus, struck me as passionless.
There's much use of taped voices between music. But I didn't always find a connection between the thoughts expressed and movement on stage.
A pretty piece, with some scenes of real beauty and brilliance. But there's room for more passion.
NOTE: Although the show ran just under 60 minutes, it also started 9 minutes late. Plan accordingly.
Heterollectual: Love, and Other Dumb Ideas is playing at Venue 1 – Arts Court Theatre (2 Daly ave) on Saturday, June 16 at 8:00PM; Sunday, June 17 at 3:30PM; Monday, June 18 at 10:00PM; Wednesday, June 20 at 8:00PM; and Sunday, June 24 at 5:30PM. Tickets: $10.


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text:
"What Now," Rihanna's Latest Video
Free PR Web Directory
Pope Benedict XVI has given his final mass.
The frail Pope, 85, gave a humble final mass in front of about 55,000 people gathered in front of St. Peter's Square in Rome. He arrived in his Pope mobile to cheers, thanking everyone for understanding his decision to step down.
The Pope had announced his decision to resign a few weeks prior due to his age and health. He's the first Pope in the modern age to step down rather then serve for life.
He will continue to be known as Benedict XVI and become the Roman pontiff emeritus or pope emeritus, the Vatican had announced on Feb. 21.
Pope Benedict XVI will later depart for Castel Gandolfo, the summer residence for popes, and live there until restorations are complete on the Vatican covenant, which will become his home.
The former Cardinal Joseph Ratzinger became Pope after the death of Pope John Paul II in 2005.
Michelle Williams and Jason Segel have broken up.
Williams, 32, and Segel, 33, split a few weeks ago after dating for a year.
The main reason behind the break up was long distance, as the My Week with Marilyn actress is based in New York City, while the How I Met Your Mother actor resides in Los Angeles.
The couple had moved in together in a Brooklyn apartment last fall, and were often seen with 7-year-old Matilda, Williams' daughter with the late Heath Ledger.
A hot air balloon accident in Egypt has left 18 dead.
This is the deadliest hot air balloon accident in the world in over 20 years.
There were 21 people aboard the balloon, enjoying the Egyptian landscape, before falling almost 1,000 feet in the city of Luxor.
A gas explosion is what caused the crash.
There were 19 foreign tourists on the balloon, including nine from Hong Kong, four from Japan, three from Britain, two from France, and one from Hungary, officials have said. An Egyptian pilot and another Egyptian were also on board.
Three people, two Brits and the pilot, are currently hospitalized.
The Feb. 26 crash has prompted Gov. Izzat Saad of Luxor province to ban all hot air balloon flights until further notice.
Andy Samberg is engaged!
The former Saturday Night Live star proposed to his singer-songwriter girlfriend, Joanna Newsom, of five years.
In addition to being a singer-songwriter, Newsom, 31, also plays the harp, piano, and harpsichord.
Samberg, 34, and Newsom had attended the Independent Spirit Awards together on Feb. 23, which he hosted.
Christina Applegate and longtime boyfriend Martyn LeNoble have married.
The couple, who are also parents to 2-year-old Sadie Grace, were married in a private ceremony at their home in Los Angeles on Feb. 23.
Applegate, 41, wore a Maria Lucia Hohan gown, and their rings were designed by Neil Lane.
LeNoble, 43, is a founding member of the band Porno for Pyros, and he and Applegate have been together since 2008. They became engaged on Valentine's Day in 2010.
This is the second marriage for both.
The 85th Academy Awards Show premiered on February 24, 2013. The show, which celebrates the greatest in movies, was hosted by Seth MacFarlane.
Here's the list of all the winners:


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I am very satisfied with this external drive. Within 10 minutes of opening the package I was transferring pictures onto it. I have Windows 7. I opened the package up, undid the cord, plugged it into the computer and it took about 5 minutes to locate and install drivers and then I was good to go. I transferred over 300 pictures right away, lightning fast and it didn't even make a dent on the space available. It has 5-star performance, but a bonus is that it looks 5-star too. Very compact and stylish. It has a user manual installed with it that has more languages than I've seen on any other product, so if English isn't your first language you are set with instructions. The product includes 30 days of free telephone support during the warranty period that starts with the first call you make to tech support. Email support is free through the entire warranty period. I have not had to use tech support so it hasn't applied, but that is good to know.
This is an easily portable hard drive with generous 1 TB capacity. It is compact, lightweight and runs nearly silently.
It was instantly recognized when connected to a desktop machine running Windows 7 Professional (32-bit), to a laptop running Windows 7 Home Premium (64-bit), and to a netbook running Windows XP Home.
None of these machines is USB 3 equipped; since all of my data transfers were via USB 2, I can't comment on the USB 3.0 performance. USB 2 transfers to/from the desktop internal hard drive took about 3 minutes for every 1.5 GB of data.
Since this is a recent purchase, it's not possible to address the reliability/service life of this drive.
This drive is powered via the USB cable, eliminating one power cord (and wall wart!) from the rear of my desk (and increasing its portability)
Some reviewers have commented on issues with the included backup software. My experience with the offerings from both WD and other vendors is that significant shortcomings in features and functionality are often part of these applications.
I simply deleted this software without installing it, and continued to use this drive with a separate back-up application (I've been using Centered System's "Second Copy" with great success for both automated and manual back-up tasks for 5 years).
One minor gripe about this device: the included data cable is *very* short (about a foot long), limiting drive placement options (I don't know if this is related to the USB 3 capability or not).
Note: I purchased the blue version (not currently offered on Amazon). I included pictures on the product page and the only the color is different; specifications, form factor and performance are identical to the black model.
I needed a new backup solution for my pictures, so I was thrilled to get a Western Digital My Passport 1 TB drive. I am really happy with the size, shape, and weight. It is sleek and light, and could easily be used as a large (storage space wise) portable drive. It stays plugged into my computer at all times, but if I needed a drive that I could carry around with me, this would be it. The shell seems sturdy and protects the drive well.
The 1 TB size is great and will enable me to back up pictures for years to come, even the large DSLR files we take.
My issue with the drive, and what prevents this from being a 5 star review, is the included software. Western Digital includes backup and drive protection software. The drive protection password protects the drive, which is essential for anyone who travels with a drive like this one. From what I can tell, it works very well.
The backup software is a different story. It doesn't allow the user to pick selected files or folders, or even back up a drive other than the C: drive. For someone like me, who doesn't use the default configuration of a computer and keeps media files on a different drive, this is completely useless. Not being able to select which folders I want backed up means the software is unusable for me.
Again, I really do love the drive and use it with third party software, and it's reliably backing up my computer. I just wish I could have used the included software instead of having to purchase something new.
User Friendly – Graphical interface breaks files down by type, allowing for a more controlled back up. Multiple drive syncs are simple and efficient. Plenty of space for the storage for a full system or just important file back up. Password protection is simple and effective though doesn't give much room for leeway. If you forget your password, there are no hints or bypasses.
Speed – The USB 3.0 is backwards compatible with 2.0 and speed is impressive. A 40 gig back up takes less than 30 minutes from start to finish, including sorting the files and the backup selection. The transfer part of the process is the smallest part.
Compact – The size is very portable and the design is very sleek. The included cord is very short forcing the placement of the drive during use to be close to the computer. Replacements are in short supply since the technology is new, so options are limited.
Hard Drive Reviews, All Rights Reserved. best portable hard drives offers, deals over all hard drives brands, western digital, seagate, hitachi. We repect your privacy and won't share your information to anyone else. We guarantee all products are 100% genuine, all products on our website are powered by Amazon Inc. and eBay Inc. which are the biggest online shopping providers.


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<< Return to
Stoner not surprised by four-way fight
Stoner not surprised by four-way fight
May 02 2009
Casey Stoner says the Jerez qualifying result proves that this year's MotoGP title fight will not just be between him and Valentino Rossi.
The duo have dominated MotoGP for the past two seasons, but are only third and fourth on the grid for tomorrow's Spanish Grand Prix - behind Motegi winner Jorge Lorenzo and Dani Pedrosa.
Rossi said after the Japanese race that he expected the two Spaniards to make it a four-way battle in 2009, and Stoner agreed that the season would be much more open than many pundits had predicted.
"I've been saying all season - and all last season - don't count your chickens and don't make judgements about what's going to happen in the season without actually seeing it first," said the 2007 champion.
"So many people make judgements before the season starts that it's going to happen in one way, and as Jorge and Dani have proved things don't work out like everyone says they're going to.
"We're definitely excited for a good championship, and I hope that I can at least challenge for the championship a little bit later on in the season. We'll do the best job we can and we'll try to score as many points as we can."
The Australian admitted that Lorenzo and Pedrosa would be hard to beat in the race if the windy conditions seen in qualifying continued, as such weather makes it hard for the Ducati - with its large fairing - to be competitive.
"If it's these conditions for the race tomorrow then we'll have to make some adjustments to try and make the bike work a little better," said Stoner, who has never been on the podium at this event.
"Otherwise if it's not windy then we should be able to put up a race with these guys (Lorenzo and Pedrosa), which would be the first time we've done that at Jerez."


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Chichen Itza
Los Angeles, CA 90007
- Latin American, Yucatecan
- Daily 8am-6:30pm
- MasterCard, Visa, cash
- Catering, Kid Friendly, Private Party, Takeout
- Breakfast, Lunch
- None
- Not Accepted
- Free, Lot Available, Validation Available
LA Weekly's Description
It has always been worth the drive south of USC to the Mercado la Paloma, if only to order a few of chef Gilberto Cetina's fantastic cochinita pibil tacos. After Cetina closed his Macarthur Park restaurant and the little market stall became the only place to get his Yucatecan cuisine, it's been even more worth the trip. Sit in the pretty marketplace and order the antojitos, the tacos, the tamales, or anything else on Cetina's menu -- and do not forget the house-made habanero sauce, which you can also get to-go. --Amy Scattergood
Member Reviews
Dining at Chichen Itza is a transformational experience. I went for the first time at the suggestion of Jonathan Gold, when he wrote it up as an essential L.A. restaurant for the weekly, and now it's my go-to spot when someone asks me about my favorite food in L.A. I recommend the panuchos, cochinita pibil, huevos motulenos, and the citrus jicama salad. Also, I marvel at how... More >>
A stone's throw from USC and a GREAT place for lunch when you need to get away from the hordes of undergrads. I'm a creature of habit and usually go for the cochinita pibil or the poc chuc entrees and will split an appetizer with a friend (typically the ceviche or a chicken tamale). If you like spicy food, their habanero sauce is BOMB and I always keep a bottle on hand at home.... More >>
Tips from foursquare
Featured on LA Weekly's 99 Essential Restaurants!
Their menu is a living, habanero-intensive thesaurus of the panuchos and codzitos, sopa de lima and papadzules, banana-leaf tamales and shark casseroles that make up one of Mexico's spiciest cuisines.
It is always worth the drive south of USC to the Mercado la Paloma, if only to order a few of chef Gilberto Cetina's fantastic cochinita pibil tacos! Don't forget the house-made habanero sauce!
A classy infusion of Yucatecan dining… Chef Gilberto Cetina has created an exciting menu from a wide array of cuisines…Try the Panuchos..they are warm and tasty center will have you asking for more!
Come to sample Chichen Itza and others at this years Gold Standard on 3/6/11! http://bit.ly/iaPthT
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West Hollywood
Like many Thai Town restaurants, Night + Market has a menu based on the bar snack. And you will find nearly every part of the pig portioned... More on Night + Market >>
Los Feliz
Ricky Piña launched his namesake Ricky's Fish Tacos, a small stand located in a Sunset Junction parking lot, in 2009. Unable to find... More on Ricky's Fish Tacos >>
Southeastern Cities
When you sit down at La Casita, the spiritual home of Mexican cooking in Los Angeles at the moment, you are brought a basket of warm... More on La Casita Mexicana >>
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The revelation at Tsujita, what separates it from every other Japanese restaurant in town, is the lunchtime ramen -- specify hard-cooked --... More on Tsujita LA >>
Silver Lake
It is already hard to believe there was a time before Suthiporn Sungkamee and his sister Jazz Singsanong were fixtures on the... More on Jitlada Thai Restaurant >>
Reviews and News
Our 99 Essential L.A. Restaurants issue came out last week, and we're highlighting a few categories drawing from the list. Today: Mexican... More on Chichen Itza »
The DMV field office near USC on South Hope might be the best DMV in Los Angeles. But that's not because the lines are any shorter, or the... More on Chichen Itza »
The Kitchen Takeover at Abigaile Manhattan's Abigaile will open its kitchen to chefs from around the city for each to create courses that... More on Chichen Itza »
Best Of Awards
There are few odes to the pig quite as glorious as cochinita pibil, the Yucatan specialty in which... More on Best Cochinita Pibil »
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Benny Hinn
Toufik Benedictus " Benny " Hinn ( Greek : Τουφικ Βενέδικτος "βενι" Χιν , Arabic : توفيق بندكتوس "بني" الحن , Hebrew : תאופיק בנדיקטוס (בני) הין; born December 3, 1952) is a televangelist , best known for his regular "Miracle Crusades"— revival meeting / faith healing summits that are usually held in large stadiums in major cities, which are later broadcast worldwide on his television program, This Is Your Day . [ 2 ]
Robert Tilton
Robert Gibson Tilton (born June 7, 1946, in Dallas, Texas ) is an American televangelist who achieved notoriety in the 1980s and early 1990s through his infomercial -styled religious television program Success-N-Life , which at its peak in 1991 aired in all 235 American TV markets (daily in the majority of them), brought in nearly $80 million per year, and was described as "the fastest growing television ministry in America." [ 1 ] [ 2 ] However, within two years after ABC's Primetime Live aired an expose into Tilton's fundraising practices, which started a series of investigations into the ministry, Tilton's program was no longer being broadcast.
Creflo Augustus Dollar, Jr. is a televangelist, pastor, and the founder of the non-denominational World Changers Church International based in Fulton County, Georgia . [ 1 ] Creflo Dollar Ministerial Association (formerly called International Covenant Ministries), Creflo Dollar Ministries, and Arrow Records. [ 2 ] Each of these enterprises is overseen by Dollar and his wife, Taffi Dollar. [ edit ] Biography
Creflo Dollar
Paul Crouch
Paul Franklin Crouch (born March 30, 1934) is a religious broadcaster who, along with his wife Jan , co-founded the Trinity Broadcasting Network (TBN).
Youree Dell Harris (born August 12, 1962) [ 1 ] better known as Miss Cleo, is an alleged American psychic and a shaman who achieved fame as a spokeswoman for a psychic pay-per-call service from 1997 to 2003. Harris has used aliases throughout her career, including Cleomili Harris and Youree Perris. [ 2 ]
Miss Cleo
Rhonda Byrne
Rhonda Byrne (born 12 March 1951) is an Australian television writer and producer, best known for her New Thought books The Secret (based on a film she produced of the same name ) and its sequel The Power .
Pat Robertson
Marion Gordon "Pat" Robertson (born March 22, 1930) [ 1 ] is an American media mogul , executive chairman , and a former Southern Baptist minister, who generally supports conservative Christian ideals.
Judy Zebra Knight (born Judith Darlene Hampton on March 16, 1946, in Roswell, New Mexico ), usually known as JZ Knight , is an American mystic teacher and author, and is known for claiming to be channel of a spiritual entity named Ramtha.
J. Z. Knight


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1st Jul 2010
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The New Reverse Mortgage: 4 Things You Should Know
Reader Comments
Worth reading this post it contains useful information to help seniors about reverse mortgage loans!
Reverse Mortgage Lenders Direct . com
The HECM Saver program, which offers much lower upfront costs to reverse mortgage borrowers, is growing in appeal among consumers who might not need immediate access to the cash they borrow against their homes. A good site that told me all the truths about reverse mortgages and the information about HECM reverse mortgage program was http://www.reversemortgagelendersdirect.com
My elderly mother took out a reverse mortgage, she's got dementia, in Feb 08. Its devastating, now she will lose her home. She did not understand the consequences of the loan of losing her home, she thinks she can pay it off with the investments. Why do they allow these big financial organisations praying on poor elderly pensioners. Its criminal.
Why haven't we heard about how much money HECMs lost during the current home bust?
People have to realize that a reverse mortgage is not a gift, but a loan. And it has to be paid back so that lenders can make money. So to complain about fees is ignorant.
The only fees that seem outrageous are the brokers' fees. This loan requires no underwriting, just paperwork. There should be a standard fee, regardless the size of the loan. Lending $50,000 or $250,000 doesn't take any more work. The age of the borrower, not their credit worthiness seems to be the only factor.
Regarding the statement: "When the prospective HECM borrower meets with a lender, a Good Faith Estimate or the Truth in Lending Act Disclosure will be provided for the purpose of making a true comparison between Saver and Standard and other costs associated with obtaining the HECM," an FHA spokesman said in a prepared statement provided to U.S. News.
The Good Faith Estimate (GFE) is ONLY provided at the time of application, not "when the prospective HECM borrower meets with a lender." For example, I as an originator meet with my prospective borrowers for an informational session prior to doing an application and provide them calculations and a comparison of program options but not a GFE because that can only be provided with an application according the RESPA rules implemented earlier this year. The Truth in Lending is ALSO provided at the time of application, it is not an either or situation. Both documents are required to be provided to the borrower at the time of application.
Your points to consider are good no matter what type of loan one is seeking even if one is looking at refinancing a conventional mortgage.
An additional consideration in the comparison of HECM products should be if looking at the HECM Saver to keep the fees lower now, at a future date if more funds are needed and they want to refinance the origination fee and third party closing costs will be paid a 2nd time. And depending on the future home value there is a risk that one could not refinance because they wouldn't have enough funds to pay off the current HECM. So in the long run it may not be feasible if one may need more funds at a future date. One needs to look at the big picture not just immediate needs.


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Launch of the 2005 Human Development Report
Excellencies, Colleagues, Ladies and Gentlemen,
It is a great pleasure to be here for the launch of the 2005 Human Development Report (HDR). In this my third week at UNDP, where the month of September is of course going to be full of events, one of the real highlights for us is the launch of the Human Development Report. As you know, the human development tradition and the tradition of the Human Development Reports is a very important one in UNDP and the UN family, something that has really caught the public imagination and has had a tremendous influence on the development debate worldwide since the 1990s and in the beginning of the 21st Century. The late Pakistani economist Mahbub ul Haq was the principal architect and advocate of the concept. But backing him were many other development thinkers and practioners, including Nobel Prize winning economist Amartya Sen, one of the leaders and intellectual powers in addressing the notion of human development and empowerment as a fundamental dimension of development
The Millennium Development Goals as a framework for human development
Why is it that this has so much caught the imagination of people? Why is it that the Millennium Development Goals – eight goals which range from halving extreme poverty to halting the spread of HIV/AIDS and providing universal primary education, all by the target date of 2015 - have succeeded where other types of frameworks and paradigms have not? While I am not saying that we have yet succeeded in reaching the Millennium Development Goals, I think the Millennium Development Goals as a framework, as a set of targets, as something that it is worth working for, has been a very successful framework. I think the reason is that the MDGs make development concrete. It really deals with very concrete indicators of the well being of people. If we had advanced this campaign asking the world to support a five percent per capita income growth, I don't think it would have worked. Of course, income growth is necessary. Without income growth, we cannot reach many of these goals, but it is not an end in and of itself. The real objective is the lives of people; it's the survival of children, the survival of mothers; the empowerment of people, of women and so on. I think this is why this framework has been powerful, and I think why we need to own it, and we need to continue pressing ahead of it. It helps us a great deal in influencing the development debate; and I think in the end the most important thing, is that it will help us all to help the people we are trying to work with and for.
2005 Human Development Report
This year's report was timed to coincide with the 2005 World Summit. It comes both as a warning, a serious warning and wake up call that we are not on track to meet the Millennium Development Goals if we continue the way we have done since the year 2000 when the Millennium Declaration was agreed. If there is not a greater sense of urgency, we will simply not succeed. I think this is one of the basic overriding messages of the report. We need to do more, we have to have a greater sense of urgency, we have to push ahead.
On the other hand, the report also has quite a bit of data and analysis that shows that progress is in fact possible and has actually been taking place. It is not a hopeless situation. So, the other side of the message is one of optimism, is one of "we can do it" and I think this is very important.
Two dramatic numbers which I think we all always need to remind ourselves of in moments when we become discouraged, is the fact that in the last four decades life expectancy in developing countries has increased by 20 years. That's a huge achievement. People live on average 20 years longer. And adult illiteracy has been halved. So, there are some numbers which I think we have to keep remembering. Progress is possible.
Aid, trade and security
Turning to some of the immediate challenges, the report focuses on three pillars that the international community has to address if we want to win this struggle against extreme poverty. The first has to do with the resources allocated to development, where a big chunk of the report that deals with this critical issue. The second area is trade, and I think the report underlines the tremendous potential that free and fair trade rules and a development-oriented trade framework can actually achieve. In many ways it is probably more important than aid; what can be achieved by more development-oriented trade rules is at least as important if not more important than the aid amounts. And then finally the third area which the report focuses on is security, and of course we unfortunately seen great problems here. We have seen that countries that otherwise progress can lapse back and lose decades of progress because of internal governance failures, civil wars and violent conflict. And, let me say, this is not just an African phenomenon. Of course, it is unfortunately quite prevalent in Africa, but it has been the case elsewhere and even at the heart of Europe. Remember, war in Yugoslavia. Yugoslavia was a country that was supposed to be one of the more advanced Eastern European countries, with a better economic performance, more freedom, better governance and then, all of a sudden, the civil war in essence put Yugoslavia back two decades. So, that's the third pillar that we somehow need to have the international mechanisms to help prevent state failure and to help countries recover from conflict.
I think these three pillars are the right ones. They are the most important things I mentioned of this war on poverty. The report goes into some great detail into each one of these areas. There are many and a lot of analysis, and a lot of warnings that we need to take some very firm steps on.
I. Resources for development
Now, let me say a few words on each of these areas. On resources, the issue of aid, is in some ways the most controversial to be quite frank. There is a great debate on this issue of how important aid is for human development and for growth. There are those who say look at the past, look at the last three or four decades, look at the billions of dollars that were spent, that were mobilized and at the limited results. I think that when we look at that record, we indeed see lots of failures. But we also see some successes, very important successes, not least starting with the Marshall Plan, which helped rebuild Europe after the Second World War.
I would like to make three points here, and I think I speak for the authors of the report, where Kevin Watkins and others here on the panel, will elaborate on. Nobody is arguing that resources spent without the necessary institutional framework, without the correct policy accompanying resources, without governance reforms in the developing countries, can work. This is not the message. The message is we need the resources, but the other side of the bargain is that there has to be the reforms, the efforts, the governance progress in developing countries; the kinds of things the minister is doing in Nigeria. These kinds of domestic reforms have to be there on the other side of the bargain. So, I think that should be clear and there should be no doubt on that.
The second point I would like to make is that we have to remember when you analyze past data, one always has to be careful about structural changes. In econometrics it is well known if the structure shifts your past time series do not provide a good guide for what can be achieved in the future. Now, in the past the whole development assistance effort suffered from very serious structural weaknesses. Perhaps the most important one is that there was on the whole - not always, not everywhere - but on the whole a great deal of politicization of aid. Aid was primarily offered to political and military allies. Even by the international institutions, they were under pressure to channel resources to allies. Both sides did it, the East and the West, and aid was not therefore really focused single-mindedly on development. I think that with the end of the Cold War and with the current global context, we have a much better chance as an international community to come together and to say, we are doing development assistance, we are providing ODA resources for development and not for military or strategic competition. So, it is a very important shift, and therefore some of the analyses of past data I don't think are relevant for the future.
One also has to be careful in the analysis. For example, disaster relief is of course extremely important and necessary. However, if one correlates disaster relief with growth and long-term development, it is not a surprise that you will not find a positive correlation between the two. Disaster relief means there has been a disaster and aid is trying to correct that disaster, be it after an earthquake or a flood or so on. So, if you think that the aid there will have increased the welfare of that country, obviously you would have to do the counter factual experiment of not having had the disaster. The same is true for post conflict situations. So, when one does the analysis it is important to focus on that part of aid which actually is supposed to have a positive impact on human development and growth, not aid that tries to compensate for disasters that happened. Many of the analyses on aid effectiveness do not do this.
Finally, a third point which I think is also very important is cooperation between donors - harmonization and the need to really work together in a much more effective way. Not to duplicate efforts, not to overburden small and often poor small countries with a multiplicity of missions and donor activities. Of course, every donor, even a small country, needs to fly its flag in a way and be recognized for its development efforts. We are of course extremely grateful, particularly at UNDP, for the efforts of the smaller rich countries that are often leading the development effort, but when we work in the field, when we work on operational programmes, we really need to make sure that we coordinate, and this is true within the UN system as well. We cannot have 36 missions visiting a capital in a small African country within a week, which are things that happen. And so I think here, too, we have to get our act together to achieve much better results.
So, I do believe that if we correct these aspects of the analysis, much better results can be achieved and a lot of the pessimism about foreign assistance and ODA is really not warranted.
A brief word on what is actually happening. Lots of promises have been made so far, but there has been very little actual increase in real resource flows devoted to human development. For example, debt relief is extremely important and very welcome, but when you count the stock reduction in debt as if it was an actual resource flow at that moment, obviously this is not correct. You may have to do this because of budgeting laws in the donor countries and, of course, stock reduction of debt is important, but it does not mean that the stock reduction will immediately lead to an actual flow of resources to the recipient country. So, we have to be very careful in how we account for these numbers.
And then for a whole group of countries, there are unfortunate countervailing events. For net oil importers, for example, the rise in the oil prices is a real problem. And if one adjusts for that, you will see that the net resource flows for that group of countries has in fact diminished, rather than increased. Oil exporters, of course, are benefiting from it. So, again, we have to be careful how we measure these things. Really, the increase in ODA that is hoped for in the report is ahead of us. We have not really started yet. So, whether it will generate results or not we will see, but we can't use the last few years to judge that.
II. Peace, security and long-term development
Now, in terms of the security in the area of post conflict recovery, I think here the big challenge is to be able to do humanitarian work which is needed in the immediate post conflict phase, while at the same time putting in place the incentives for long-term economic recovery. We have quite a challenge ahead of us in really analyzing the economics of post conflict recovery and putting in place mechanisms and incentives that won't create a dependency but that really stimulates production and recovery in a medium-term framework. We have not been very successful at that and this is a major challenge. But I think we know what the problem is, and we need to coordinate within the UN system, for example, with the humanitarian side of the UN, which is very important, and the more development and economics side, which is in the UN Development Group.
A word on legitimacy. Conflict and post conflict situations unfortunately require intervention. We have had situations where we did not intervene fast enough. It is very, very important that the way these interventions are determined, the way it is arrived at has legitimacy, has buy in and is really designed to fix the problem. And here the UN does of course face a big challenge. While I don't want to get into the whole debate on Security Council reform - it is not really UNDP's job to get into the debate - but, the old way of doing things, the veto rights, the under representation of developing countries, the structure that really reflects the world of 1945, is not really what will allow us to have a mechanism here that is considered fully legitimate and effective. So, I think on the conflict side, development practioners and economists can do a lot, but it is often limited by the political process and the political architecture that can slow rapid and effective intervention.
III. Pro-poor trade
Moving to trade. Again, here there has been a lot of talk so far but very little action. Pascal Lamy, who is an extremely competent leader, who knows the trade issues perhaps better than anybody else, has just taken over as head of the World Trade Organization. He is full of energy, and full of determination to help the process. As the head of the World Trade Organization, this is of course a facilitator role, not a position in which one can make decisions on behalf of the US, or Europe - or for that matter the developing countries - but I think he will play a very dynamic facilitating role and I very much hope we can work very close together.
You will be aware of the numbers: you know the massive subsides that the rich countries still provide to agriculture and to some of their industries. When I was Minister of Economic Affairs in Turkey and then when I was trying to get elected to the Turkish Parliament, during my campaign I visited Turkish cotton farmers. They are very competitive, as are African cotton farmers. But there's no way they can compete with the massive subsidies in rich countries. To somehow then ask the Turkish or the Nigerian finance minister to put equal amounts of subsidies in their budgets to countervail the subsides given by the rich countries is just not feasible. So, I lived this very practically in my own life in my own country. A much fairer system of trade is absolutely needed, and rich countries cannot talk with two voices. When it suits them, they are for free trade and open markets and free rules, and when it doesn't suit then all of a sudden they become hyper protectionists. It's not credible and it upsets people and it does harm to the whole global trading framework. So, I think a much greater degree of sincerity is needed, and a much greater degree of real openness is needed. One cannot be a free trader only in name and then whenever it suits your interests you become a protectionist.
One word here on adjustment costs. As the report shows, and as many other analyses have showed, everybody can indeed in the long run gain from freer trade and from the expansion of trade, but that doesn't mean that everybody actually wins. There are winners and losers. There are those who win from changes and there are those who lose - in developing and rich countries alike. Therefore if we want to move ahead of trade, first of all we have to allow capacity building, soft and hard capacity building in poorer countries so that they can take full advantage of the trade potential. But I would add one thing that isn't perhaps emphasized enough, and that is inside developed countries, there are also losers. While living standards and of course the general level of income and wealth is much higher than there than in poor countries, I do not think we should ignore those who suffer in rich countries in this global debate. They also need adjustment help. They also perhaps need some job retraining or a public policy framework which helps then adjust. If that isn't there, they will try to block change and everybody will suffer. So, in this whole debate on human development and trade, I think we have to remember that even in the rich countries there are pockets of poverty, there are adjustment problems and that therefore some attention to that is also required, otherwise, you will get rejection phenomenon, protectionist phenomenon, and you will get political positions which will block change.
This brings me to a wider and perhaps somewhat philosophical point, and it's not an original point, Professor Danny Roderick of Harvard, for example, has often stressed this; that globalization, more open markets, greater trade, greater international interdependence actually require, very often, more government activity, more government expenditures to deal with the adjustment problems and with the transition problems that are created by globalization. Greater openness may need greater attention by governments to the transition problems created by that openness. It's a point I want to emphasize.
The role of the private sector in development
Before I finish, let me make two more points. One has to do with private sector and private activity. This year's HDR is focused on the three pillars of aid, trade and security. It is focused as I said at the outset, squarely on what rich countries need to do within the framework of the global partnership for development. It is a message to rich countries within an overall analytical framework. I think we all understand and we have all learned that to achieve sustainable growth private entrepreneurial activity is essential. From the very small firms to bigger companies, the private entrepreneurial drive in developing countries, as well as in developed economies, is the driver of global growth. So, I don't think that the stress on public policy and the stress on what governments need to do, and the stress even in a sense on politics, should be seen as in any way minimizing or neglecting the role of the private sector. And by private sector I mean all private activity, all private entrepreneurial activity big and small. It is very important that we support an environment where private entrepreneurship can flourish. And indeed, the kinds of things we're talking about – governance, debt and trade rules, security, the rule of law, protection of human rights for everyone - these are all things that the private sector needs for its development and for its growth.
The final point I would like to make, to come back in a sense to where I began -- and I'm sure Kevin and others will say something about it - is can we do it? Can we achieve it? If we look at the MDGs, one by one as individual goals, some of them are very tough. I mean it's going to be tough to have universal primary education by 2015 for everyone. I think we realize that. But when we look at the actual resources that it will take, and when we look at what some countries have been able to achieve, I think the overall message quite seriously and, coming from an economist, is that yes we can make it in the sense that we can get very, very close. We may miss one target somewhere by a certain little amount, but when we analyze it carefully and when we look at the resource needs, as well as the technology and the knowledge we have, I think the message is we can make it.
The real obstacle is not economic, not financial and not technical. The real obstacle - and this is of course often the case - is the institutional obstacle, the human institutional obstacle. And by that I mean both institutions in developing countries, where there has to be tremendous progress there - and global institutions, the worldwide cooperation architecture, with of course the UN playing a very important role. The big challenge is here. When you carefully look at the resources that are really needed and compare it to what is spent on military expenditure or on other things, and when you look at what has been achieved historically in some countries: yes we can meet the Millennium Development Goals.
Thank you very much.Return to the list <<<<<


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