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With "bristol england " we think you're looking for one of these 25 options
Bristol Serviced Lettings - Filton
Bristol Serviced Lettings provide luxury apartment accommodation in Bristol, just an 8-minute drive from Bristol Parkway Train Station. These comfortable and secure apartments are 13 minutes from the city centre, and offer free Wi-Fi. More |
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Hotel du Vin Bristol
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Homestay Bristol
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subset: commoncrawl


text:
The forms for this toon girl of big booty I took with hot girl of juice booty from movie.
She is really hot, her body curves strikingly beautiful, her big booty is incredibly seductive,
and I decided that should definitely from her draw a hot toon girl appetizing booty.
The result is this toon girl with big booty.


text:
Seems gay...
Ho Ho Ho Merry Christmas my foot...
Imma tell you what Santa really put under my so-called tree but in reality,
looked like nothin but a decorated pole to me.
This never happened
My favorite JD is when he's had a few too many and turns into Dr. Laura.
Ask me anything.
a bub and confidant


text:
I was looking for something like this to upgrade my firmware on my SSD. Now i can and put the img back on or reinstall all together and take the data i want back.
Hmmm...it seems as though when they give me the serial, my activate button doesnt want to become available for me to actually use the program. EDIT: Bah! Its a two stage setup. The key the above website gives you is only a stubkey. Didnt notice this at first.
Does it have the same feature set as the one you could get for free from WD? Or has it got some extras?
Not a clue to be honest. But Id be willing to bet that the one from WD can only be used with their hdds.
Dude it is. Ive gotten a few pieces of software for free from this site with no strings attached. If you still think that nothing is really never "free" you need to do some re-evaluating.
Yes this is true (of course) but not as restricted as it could be...I'm fairly sure it just needs to detect at least one WD drive in the system. Can image to/from others as well in same system.
The catch is when you enter in your email address you cant disable them from contacting you, the area is greyed out. This is their 2 year old product, why not give it out free, it might entice some to buy their latest product.
Sorry about the jab. It's just that some people always think that there is a hidden thing in order for them to receive something for free when it isnt always the case. Some things are just free and that is that while others are free but you have to vote for something or sign up for something retarded. In this case its just plain free after you follow the steps provided on the website to obtain the serial key from the company (and all you have to do is register a free account from the developers) What I meant by re-evaluate is learning to just take things as they are and not as they seem. TBH i didnt even notice that. Worse comes to worse, you can just unsubscribe in the first email they send you.
OK. Please understand that I am not trying to be argumentative, but registering is sort of like signing up for something, is it not? I suppose I could/would/should use a disposable email account and log in through a proxy server. To use a quote often attributed to the inimitable P.T. Barnum "There's a sucker born every minute." I am a firm believer that a healthy dose of skepticism never hurt anyone, and I suppose I am just cynical by nature.
I use the 2010 version as my primary back up but like they say, you can't ftp backups with it. You have to get this add-on pack that I think costs about what the original program costs. Even so, I was tempted because I like the interface and the fact that I've been able to restore from an Acronis backup when the windows bk was fubarred. Just for the record, I would mention that Cobian backup is a free utility that does everything Acronis does including encrypted remote backups. I still like Acronis, but if you need certain features that might be considred more advanced, checkout Cobian.
I already have the 2011 version for home, but I got the 2010 version for free for my work PC. Good tool to have a total image of your system, just incase if some website/email ra**s your PC.


text:
lawls.did i mention im a part time troll?yeah i have no life...
so i freestyled this no real plan but idk i like it enough.
lawls.did i mention im a part time troll?yeah i have no life...
so i freestyled this no real plan but idk i like it enough.
I'm not sure if it's finished or not, but the 3D's off on the M a bit.I also don't like the idea of throwing a freestyle piece with a funky small O. other than that, pretty well done.
No More Weekly Toy Battles.
the o's small becuase i ran outta paper haha.the 3d is comeing from the botom so it fucked up the bottom of the m becuase the 3d color is the same as the outline and theres a little loop that you cant see unless you saw it pre3d...so i think thats what you talkin about...
at a glance, I thought it said Resp. hahahaha. wow. well, it looks pretty good actually, but I don't know what to say that can help you, other than add the definition into the E and S, and to color it. and where is the vanishing point on your 3D?
and Mero: AH, I see it now. okay.
No More Weekly Toy Battles.
oh shit sorry, i was half asleep.. haha. you're right, Janek.
Intermediate thread worthy?
Aerosoloholic, I can't see the picture, sorry.
Kest and Mero Already critted you guys.
Tezey sick as usual, although the last one doesn't tickle my fancy. the first one also looks like bad can control, but the middle speaks for that.
Jers I don't like the background, but the letters are cleaann, but I hate the way the I looks like a 4 with a dot above it.
Haze That's the sickest shit I've seen on here in a while. I don't really like the block E at the end though. and the last one would be my favorite if you had used the middle one's E, but a little modded to fit the style you were going for on the last one.
BigBlue Dope throwies as always. I don't have much else to say, ha.
Mers I've seen that same shit a million times over. It's getting old, haha. Shake it up a bit. The R is your handy is ugly as fuck. Change your throwie up a bit, too. Either that, or stop posting them.
Other Mero piece rough draft: Keep doing that, I want to see it finished.
Last edited by CrustOner; 06-28-2009 at 05:27 PM.
No More Weekly Toy Battles.
the shading and 3d look good but the letter structure is pretty bad
viel's got the freshest shit in this thread
and probably one of the few writers who are actually intermediate..
NEW TO THREAD....maybe?
what ya'll think.
probably more on the beginning side, but i dont think toy?
do i need a reality check?
"When sh*t becomes valuable, the poor will be born without assholes."
El Paso writer? Hit me up, PM


text:
Hang tight!
Recipe by Tracy Lyn
"Bring the Beer Cheese Dip, and go home with an empty bowl! This is very simple to prepare. Serve it with your favorite warm bread."
Watch video tips and tricks
1 (8 ounce) package cream cheese, softened
1 (8 ounce) package processed cheese food, diced
1/2 (12 fluid ounce) can beer, room temperature
1 clove garlic, peeled and crushed
The overall taste of the ingredients was very good. I followed the recipe, but it turned out to be very thin. Although it was messy, everyone like the taste of it. (Next time, I will add the "wet ingredient" slowly, mix until I get the right consistency, and then drink the rest!)
I followed the instructions to a T. My husband even reviewed the recipe to see if I did this one correctly. This was terrible. My whole family tried it, including my parents who came for dinner. It was thrown out.
23 Ratings
This is a hit at every party. I use a can of the Woody's extra sharp cheddar spread and garlic powder. I also recommend microwaving the Woody's and cream cheese to make it a little easier to mix together. Perfect for a football party!
My mother used to make one similiar to this. Use Wise Spread cheese instead. Sautee the garlic. and start with 1/4 cup beer. Keep adding until you get the consistency and taste that you want. That way it won't be to messy or runny at all. Also when we make it we put it in a round pumpernickle loaf. We hollow it out, fill it with the dip and put the top back on. You can tear off pieces of the loaf and dip it or you can cut up some italian bread. While also using the inside of the loaf that you took out as well for dipping.
everyone at the party wanted the recipe. very easy to make, and once they start snacking on it, they can't stop. yummm!
I enjoyed this recipe.. I made 2 different dips, A spinach dip and this one.. I thought the spinach dip would be the good one and i was going to not like this one.. Turns out, i ruined the spinach dip and really liked this one. Maybe, the people on here who messed up used the wrong kind of cheese? Or possibly didn't get it whipped correctly.. because I had no problem making it. I loved it. Thanks.
Great flavor in this dip! I used fat free cream cheese and 2% skim velveeta and used a half cup beer(oops, misread the recipe). I also used the crushed garlic that comes in the jar. I tried to mix it with beaters, but realized very quickly it would not mix that way (I'm sure partially due to the reduced fat and not softening the cheeses long enough) so I put the ingredients in bowl over boiling water and covered it, stirring occasionally until smooth. It worked like a dream. Ate this one with homemade pretzels!
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text:
Rome 2007
World Energy Congress
Hisham Khatib is winner of 2007 Global Energy Award
Hisham Khatib of Jordan has been named winner of the World Energy Council's 2007 Global Energy Award. The award, which is the highest honour bestowed by the World Energy Council (WEC), was presented to Dr. Khatib by WEC Chair André Caillé on 15 November during the Closing Ceremony of the 20th World Energy Congress in Rome, Italy.
Dr. Khatib's impressive career in the energy sector spans nearly 50 years. Currently Chairman of the Jordan Electricity Regulatory Commission, Dr. Khatib has also served as Minister of Planning, Minister of Water and Irrigation and Minister of Energy and Mineral Resources for the government of Jordan, as Director General of the Jordan Electricity Authority and as a senior energy expert for the Arab Fund for Economic and Social Development in Kuwait. In addition, he has served as consultant to the United Nations and various bodies within the UN as well as to the Economic and Social Commission for Western Asia, the World Bank, the Arab Fund, the Islamic Development Bank and other regional and international development agencies.
In addition to being a frequent lecturer on energy and the environment, Dr. Khatib has authored three books: "Economics of Reliability in Electrical Power Systems" (1978) and "Financial and Economic Evaluation of Projects" (1997, 2003) and a history book, "Palestine and Egypt under the Ottomans" (2003). Dr. Khatib was also a co-author of the UNDP/UNDESA/WEC World Energy Assessment, "Energy and the Challenge of Sustainability" (2000).
He is a member of the World Federation of Scientists select group and served on the Global Environmental Facility (GEF) Scientific and Technical Advisory Panel Roster of Experts as well as on the GEF Senior Advisory Panel. Dr. Khatib is also an Advisory Editor of the Energy Policy Journal (UK) and the Natural Resources Forum (UN). He is Vice Chairman of UN-CSTD, Vice Chair of Jordan's Royal Society for Conservation of Nature (RSCN) and is involved with various regional and international environmental and learned societies. From 2003-2006, he headed the Management Committee of the Arab Thought Forum. In 1998, he was awarded the prestigious "Medal of Achievement" of the Institution of Electrical Engineers (presently Institution of Engineering and Technology) in the UK.
Dr. Khatib has been an active member of the World Energy Council for over 30 years, serving as Vice Chair from 1989 to 1992 and being elected an Honorary Vice Chair of WEC in 1992. He is a founding member of the WEC Cleaner Fossil Fuels Systems Committee and has also served on the Communications and Outreach Committee and the Performance of Generating Plant Committee and was also Chair of WEC's International Committee for Developing Countries.
Dr. Khatib received a B.Sc. in engineering from Cairo University, an M.Sc. from the University of Birmingham (UK) and a Ph.D. in electrical engineering from the University of London, where he also received a B.Sc. in economics. He is one of the few engineers in the world to be simultaneously admitted to the Fellowship of both the Institution of Engineering and Technology (IET-UK) and the Institution of Electrical and Electronic Engineers (IEEE-USA). Recently, Dr. Khatib was made a Life Fellow of the IEEE.
Created by the World Energy Council in 1998, the Global Energy Award is presented at each triennial World Energy Congress to an eminent international personality who has contributed substantially to the understanding of the global energy sector, who has supported the World Energy Council in its work and who has made significant contributions to his company or organisation, government, community and country. Nominations for the award are made by WEC Member Committees, and the winner is selected by WEC's Board of Trustees, the Officers Council.
Headquartered in London, the 84-year-old World Energy Council is the leading global multi-energy organisation, with Member Committees in nearly 100 countries around the world. Its mission is to promote the sustainable supply and use of energy for the greatest benefit of all people.
View Dr Khatib's acceptance speech ( PDF File, 17KB)


text:
Head shot
This article needs additional citations for verification. (March 2009) |
A head shot or headshot is a modern portrait for today's branding needs, where the focus of the photograph is the personality inside the person captured. A headshot is a specific type of portrait. A head shot is an image that portrays a person as he is, however simple or stylized the image might be. In contrast to the head shot, an environmental portrait would portray a person with elements of his life such as his work, interests, etc.
Head shot photographs are now being used for professional social media such as LinkedIn, castingworkbook, online dating profile photos and the section about us page or our team in most websites. Portraits are photographed by professional head shot photographers to illustrate the personality inside the actor, business executive, musician, politician and so forth.
Entertainment industry[edit]
Theater, film, and television actors, models, singers, and other entertainers often are required to include a head shot, along with their resume, when applying for a job. These head shots are usually more artistic, intended to portray the subject in the best possible light. They often have the subject facing off-centre.[citation needed] A performer will often have head shots expressing different poses and expressions to give a potential employer an idea of the for subject's range of appearances or expressions. Those types of head shots are called "looks". However, this practice is less common in the current market.[citation needed] It is still common for an actor to have different head shots for their sitcom audition as opposed to their film audition, but for the most part these would represent a change in attire. The headshots that include a person's shoulders are called "three quarter" shots. In addition, in the past, head shots were often in black and white; however, most head shots are now taken in color.[1]
Actors' head shots, when printed and not simply uploaded online to an industry database, are done in an 8"×10" format. Other promotional images, e.g., press shots and lobby prints, may be in many different aspect ratios. Acting headshots are usually 8"×10" prints. Acting headshots are often not photographic prints but will be printed via a lithographic process or the laser process.
The main purpose of an actor's head shot is identification. Therefore the most important feature of an actor's headshot is that it looks like the subject. Actors' head shots should be clear; theatrical headshots are usually very "neutral" looking shots of the actor clearly showing his facial features.
Headshots are intended to show a person as they currently are (age, look, style, etc.) and reflect their best qualities. Therefore, if an actor's hair is recently cut or coloured, they might then need a new headshot to reflect the new image of themselves. Additionally, if an actor has a scar of the face or moles, it should be visible on the headshot and not digitally retouched out of the image. Pimples or spots are temporary and therefore these are usually retouched.
Modeling industry[edit]
Modelling headshots or comp cards and sometimes also called tear sheet are images and/or compilation of images for casting in one sheet with a resume of work, name and vital statistics. They are often done in colour, however in some jurisdictions, such as the UK, they may be in black and white. Models often use them for castings and modelling work applications. A close up headshot is often required to show model's skin complexion for beauty work.[citation needed]
Modelling headshots are usually used for:
- Comp Card or tear sheet
- Modelling Portfolios
- TV advertising for skin products
- Magazine advertisements for creams and other skin or hair products
- Online Industry profiles
Model headshots are also often professionally retouched to make sure their close up beauty photograph looks perfect without blemishes or spots.
Comp card are one of the cornerstones of a model's "Marketing Materials". They will be about 5½×8" and printed on both sides. Almost all of the comp cards are in color but may have black and white images. A model may have 4 to 5 images on the comp card and at least one of these images will be a headshot.[citation needed]
Corporate and business industry[edit]
Corporate headshots similar to those used by actors. These images are most often produced digitally and distributed electronically, though some companies still favor displaying a printed version. Lighting for corporate headshots is simple and nondramatic, but flattering. Traditional headshots are still taken in a studio setting, though shots "on-location" or "in-the-field" continue to increase in popularity. In both cases, backgrounds continue to be simple. Subjects are often shown head-to-midchest, or from head to just above the waist.
Corporate headshots serve a variety of purposes, including:
- Annual reports
- (Nonstandard) resumes
- Corporate catalogs, brochures and advertising collateral
- Company publications and websites, internal and external
- Press releases and other announcements
- Marketing materials
- Articles and newspapers
See also[edit]
Wikimedia Commons has media related to Head shots. |


text:
The second annual Dr. Charles I. Jarowski Industrial Pharmacy Symposium drew attendees who enjoyed a full day of presentations and a reception at the Queens campus on June 13. The event was provided by St. John's College of Pharmacy and Allied Health Professions which offers continuing education credits for participation.
Photo Gallery
This year's seminar focused on "Challenges in the Development of Poorly Water-Soluble Drugs: Formulations and Technological Approaches" which included a presentation moderated by Salah Ahmed '85P, '90Ph.D. and Eric Mittleberg '74P, '78GP, '82Ph.D. Navnit Shah '73GP, '81Ph.D. offered the keynote presentation, "Challenges in Drug Product Development in the 21st Century." Dr. Shah, who heads the oral formulation development group at Hoffman-La Roche, Inc., said the symposium gave him a great sense of pride as an alumnus. "I found it to be very exciting and educational," he said. "I spoke with many of the attendees who said they would be interested in attending again next year."
Numerous alumni acted as presenters and moderators at the symposium, representing some of the most distinguished leaders in the pharmaceutical industry. They included Joseph Famulare '76C, Mahendra Shah '77P, '85Ph.D., Abu Serajuddin '82Ph.D., Sanjeev Gupta '87P, '92Ph.D. and Mansoor Khan '92Ph.D. Dr. Mahendra Shah is Founder and Chief Executive Officer of Next Wave Pharmaceuticals and served as one of the moderators. He praised the event. "I think it was an excellent group of speakers who talked about all aspects of product development," he said. "I think it was great for the students who were in attendance and for those of us who don't understand the business as well as the speakers. I really enjoyed it." Ashok Nigalaye, Ph.D. was on the planning committee for the event and echoed that sentiment. "It was very informative and I was very pleased," he said. "It was a great subject and very well done. I wish it was two days instead of one."
The event is named for Dr. Jarowski who joined the faculty of the College of Pharmacy and Allied Health Professions in 1969 and rose to the rank of full professor and distinguished University scholar. Prior to joining St. John's, he was employed as a research chemist at the Wyeth Laboratories, the Vick Chemical Company and Charles Pfizer and Co. Inc., where he served as Director of Pharmaceutical Research and Development. He is a renowned pharmaceutical scientist who has authored or co-authored more than 50 scientific publications and pharmaceutical patents. Dr. Jarowski served as a guest speaker at the symposium where he gave a special luncheon presentation. He said he is very proud of the event that bears his name. "What I enjoyed was not only the speakers and presenters, but also the question and answer period they had," he explained. "That gave attendees the opportunity to ask questions they had of the wonderful professionals in attendance."
Dean Robert Mangione '77P, '79GP, '93PD, '99Ed.D. said he was pleased that students, as well as those already in the field, were able to benefit from such a wealth of knowledge. "What I think is particularly exciting is that the program has grown so much in one year," he reflected. "We are privileged to have world class scientists – many of who are alums which makes us very proud – come and present state-of-the-art, cutting edge technology and scientific methods that have truly taught us all a great deal.


text:
The props for record low home loans are being removed, so should you fix now? What next for mortgage rates?
The Bank of England will dramatically scale back the Funding for Lending scheme, which has driven mortgage rates to record lows, in the New Year.
But mortgage lenders still have some astonishingly low rates on offer and combined with rising confidence that makes this is the best time to be looking for a home loan in six years.
So is now the hour for a fix - and what will happen for those with smaller deposits?
Simon Lambert rounds up the latest predictions, tips, analysis and the best mortgage rates
Tumbling price: Mortgage rates have dropped substantially over the past year.
Fixed rates at record low levels
Standout deal: The Co-op Bank's 2.79 per cent five-year fix substantially undercuts rivals offers.
Official support for cheap mortgages has been scaled back as the Treasury and Bank of England
announced the Funding for Lending scheme will stop providing new cheap funding triggered by extra mortgage lending from January 2014.
The Bank's scheme has driven mortgage rates to record lows - while decimating returns on savings.
The move to stop extra funding being taken
out marks a potential beginning of the end for pumping cheap cash to
consumers and could see mortgage rates begin to rise.
Funding for Lending pumps cheap cash through banks and building societies to borrowers and has driven two-year fixed mortgage rates below 1.5 per cent and five-year fixed rates to 2.5 per cent.
But borrowers have no need to panic
This move has been made as the mortgage market is firmly back on the up.
Lenders are competing for business, mortgages are easier to get and rates remain near rock bottom
In short, this is the best time to be looking for a mortgage since the credit crunch hit and Northern Rock collapsed six years ago.
But the sweetest spot for mortgage rates may have passed for the most credit worthy borrowers with the biggest deposits.
That came as Funding for Lending was in full effect but the economy was stuttering - meaning the cheap money guns were set to full power.
Things are improving and this is now easing back, but rates remain near rock bottom.
They have begun to inch up, but we are talking shifts like a five year fix moving from 2.44 per cent to 2.59 per cent - so hardly spiraling prices.
The borrowers with big deposits who have seen the best rates may never see them go lower than they have been.
However, borrowers with less to put down are quite likely to see their rates slide as the Help to Buy 2 push kicks in. Already the arrival of this has seen some lenders not even taking part in the scheme push down 5 per cent deposit mortgage rates to just below 5 per cent.
Watch out for fees though - lenders are clawing money back with some bumper charges.
What next for interest rates? Where the money markets see base rate going over the next few years.
What next for interest rates?
In summer the Bank of England finally delivered its forward guidance on the path for the base rate, indicating that it will not rise to 0.75 per cent until unemployment falls below 7m - something it did not expect will happen until 2016, although money markets tip it to happen sooner.
That was revised in early November with the Bank saying ti now expects unemployment to get their by 2015 - setting up an earlier rate rise. However, it stressed rates would not automatically go up at this point, a rise would just be considered.
Forward guidance knockout clauses were included to give the Bank some wriggle room meaning that if inflation or financial instability threatens rates could rise sooner.The chart above shows the expected path of rates in November.
It is worth noting that while the reaction to the forward guidance has been generally positive, a number of economists have suggested that the Bank may be underestimating the strength of economic recovery and rates may rise sooner.
What is Funding For Lending?
The BoE has said it will lend cheap money to banks who then pass this on to borrowers with its funding for lending scheme.
Banks and building societies can access finance at rates from around 0.75% - far cheaper than the equivalent money market rates or what they must pay to attract savings deposits - rates on savings accounts have tumbled in response to this.
They will be able to borrow up to 5% of their existing lending stock, and for every £1 of additional lending made by a bank, it will be able to access an extra £1 of cheap funding from the scheme.
Fix vs tracker: where are the best rates?
should have a quick look at the rates below, these are regularly updated by This is Money's mortgage product specialist Marc Shoffman. If you spot a deal you think has been pulled or should be in there, email him via firstname.lastname@example.com with mortgage rates in the subject field.
For a fuller rate check use This is Money's mortgage finder service and best buy tables,
these are supplied by our independent broker partner London &
Country. When dealing with any broker, remember some lenders will not
usually be included as they do not pay commission, some of these such as
HSBC, First Direct, Post Office consistently offer top rates, so check
their deals.
Fixed rates
Bigger deposits
Five-year fixes
Yorkshire Building Society has a five year fix at 2.69 per cent deal for those with a 35 per cent deposit or equity and £1,475 in fees.
Norwich & Peterborough Building Society has launched a five-year fixed rate mortgage for 2.84 per cent with a £295 fee.
Nationwide has
a five-year fix at 2.99 per
cent with a £999 fee for those with a 40 per cent deposit.
Nationwide has a four-year fix Flexclusive for its Flexaccount holders at 2.39 per cent with £999 fees for those with a 40 per cent deposit, or 2.69 per cent with a £99 fee. For those with a 30 per cent deposit it is 2.59 per cent with a £99 fee.
Two year fixes
Norwich & Peterborough building society has a rate of 1.99 per cent for a 40 per cent deposit, with a low fee of £295.
HSBC has a two-year fix at 1.49 per cent for those with a 40 per cent deposit paying £1,999 in fees.
Post Office Mortgages has a rate of 1.63 per cent for those with a 40 per cent deposit. It has a £1,995 fee.
Chelsea BS has a two-year fix at just 1.64 per cent for those with a 35 per cent deposit paying fees of £1,675.
Chelsea BS has a two-year fix at just 1.84 per cent for those with a 35 per cent deposit paying fees of £845 but buyers get £500 cashback.
Nationwide is offering a two-year fixed rate at 1.94 per cent, or 1.84 per cent if you are an existing Nationwide customer. The Nationwide deals come with a £999 fee, reduced to £499 for first-time buyers.
West Brom has a rate of 1.48 per cent for a £2,499 fee for a 40 per cent deposit.
Santander has a rate of 1.89 per cent, for a 40 per cent deposit, with a booking fee of £1495.
Coventry Building Society has a rate of 2.09 per cent with a 35 per cent deposit and fees of £199.
Mid range deposits
25 per cent
Five-year fixes
Yorkshire Building Society is offering a five-year fix at 2.84 per cent for borrowers with a 25 per cent deposit paying £975 in fees.
Chelsea Building Society has a five-year fixed rate at 2.69 per cent with a fee of £1675 for a 25 per cent deposit.
Two-year fixes
Post Office has a two year fix at 1.98 per cent with a £995 fee for those with a 25 per cent deposit, or at 2.59 per cent fee-free.
Chelsea BS has a two-year fix at 1.99 per cent for those with a 25 per cent deposit paying fees of £1,675.
West Brom has a two-year fix at 1.89 per cent for a 25 per cent deposit and a fee of £999.
Santander is offering an early repayment charge free two-year fix with a rate of 2.84 per cent and £995 fee.
Virgin Money has a two-year fixed rate product at 2.29 per cent for a 25 per cent deposit and a £995 product fee.
20 per cent
Hinckley and Rugby has a five-year fixed rate at 3.35 per cent, with fees of £890 for a 20 per cent deposit.
For a 20 per cent deposit, Clydesdale and Yorkshire Banks are offering a fee-free two-year fixed rate at 3.19 per cent or a five-year fixed rate at 3.79 per cent.
West Brom building society has a two-year fix with a rate of 2.39 per cent and fees of £299 for a 20 per cent deposit.
The margin between five-year and two-year
fixes has trimmed but a shorter fix remains cheaper.
However, at the end of a two-year fix you will move onto a lender's more expensive standard variable rate, most of which could rise any time and many certainly will when rates go up.
Be warned you may
end up coming off a two-year fixed rate just as rates are rising though, the Bank of England reckons this will be 2016 but markets suggest sooner, which is why This is
Money prefers five-year fixes.
However, if you think you will move in that period you may face large early repayment charges if your mortgage cannot go with you.
Smaller deposits
15 per cent
Chelsea BS has a two-year fixed rate at 2.94 per cent with £1,675 in fees for those with a 15 per cent deposit, or 3.29 per cent with a £745 fee and £500 cashback.
West Brom building society has a two-year fixed rate at 2.79 per cent with a £995 fee.
Santander has a fee-free two-year fixed rate product at 3.59 per cent.
The Post Office has a two-year rate of 2.89 per cent with a £995 fee.
First Direct has a five-year fix for those with 15 per cent deposits at 3.99 per cent with no fee.
The Post Office has a five-year fixed rate at 3.75 per cent with a £995 fee.
HSBC has launched a two-year fixed rate at 3.19 per cent with a £999 fee for current account holders or £1,499 for non-HSBC current account holders.
10 per cent
Skipton BS has a two-year fix at 3.99 per cent for those with a ten per cent deposit with no fees - borrowers even get £160 cashback on completion.
HSBC has a two-year fixed rate mortgage at 3.59 per cent for a 10 per cent deposit. Its fees are £999 for HSBC current account customers. Non-customers can open an account and pay the same fee, otherwise fees are £1,499.
Chelsea Building Society has a rate of 3.49 per cent for two years and you will need a deposit of just 10 per cent, but you will have to pay £1,675 in fees.
Clydesdale and Yorkshire are offering a three-year fixed rate at 3.99 per cent with no fee for a 10 per cent deposit.
The Post Office has a five-year fixed rate for 4.29 per cent with a fee of £1,495.
Darlington Building Society has rate of 4.39 per cent for five years with a £574 fee.
Nottingham BS has a five-year fix for those with 10 per cent deposits at 4.65 per cent with £199 in fees.
5 per cent
The Government has launched a Help to Buy guarantee scheme that provides an indemnity of up to 15 per cent for lenders to allow them to offer mortgages for a 5 per cent deposit.
Several banks have committed to this scheme, but only RBS, Natwest, Halifax and HSBC have launched rates.
Borrowers with a 5 per cent deposit will be able to access a two-year fixed rate at 4.99 per cent and a five-year fixed rate at 5.49 per cent from RBS or Natwest.
Halifax is offering a two-year fixed rate at 5.19 per cent with a £995 fee.
HSBC has a two-year fixed rate at 4.79 per cent or a five-year fixed rate for 4.99 per cent from HSBC. Both come with a £99 fee and require a minimum deposit of £10,000.
There are also 5 per cent deposits available outside of Help to Buy that can work out cheaper.
Hanley Economic Building Society launched a two-year fixed rate at 4.89 per cent with a £350 fee and £250 cashback.
Yorkshire Building Society is offering a two-year fixed rate at 4.69 per cent with a £975 fee or 4.89 per cent with a £130 fee and £500 cashback.
Newcastle Building Society offers a two-year fixed rate at 5.59 per cent with a £195 fee.
Clydesdale and Yorkshire Banks have a three-year fixed rate of 4.99 for a 5 per cent deposit with no fee.
Yorkshire Building Society has a five-year fixed rate at 5.09 per cent with a £975 fee or 5.29 per cent, with a £130 fee and £500 cashback.
Loughborough Building Society has a five-year fixed rate of 4.99 per
cent with a £99 fee. This deal is only available for mortgages up to
Furness Building Society has a fee-free five-year fixed rate at 4.75 per cent but it is only available in branches across the North West.
Hanley Economic Building Society has a five-year fixed rate for 5.69 per cent with a £300 fee.
Leeds Building Society offers a five-year fix at 5.19 per cent with a £999 fee, or 5.69 per cent with a £199 fee.
Tracking a 0.5 per cent base rate that is only likely to rise may seem an odd decision when you could fix for up to five years at a lower rate, however, there is one big advantage to a good lifetime tracker - flexibility.
A fixed rate mortgage will almost inevitably carry early repayment charges, you will be limited as to how much you can overpay, or face potentially thousands of pounds in fees if you opt to leave before the initial deal period is up. You should be able to take a good fixed mortgage with you if you move, most are portable, but there is no guarantee your new property will be eligible or you may even have a gap between ownership.
A good lifetime tracker has no early repayment charges, you can up sticks whenever you want and that suits some people.
at a low rate looks good now, especially when rates are not predicted
to go up for the next three and not rise substantially over the next
five years, but that may not turn out to be the case, so make sure you stress test yourself against a sharp rise in base rate.
For a smaller deposit, HSBC has a lifetime tracker rate of 3.99 per cent for a 10 per cent deposit only available for purchases. It has a £999 fee, or £1,499 for non-current account holders.
HSBC has a lifetime tracker at 2.13 per cent with a £1,999 fee for those with a 40 per cent deposit, or at 2.59 per cent fee-free.
First Direct has a lifetime tracker at 2.89 per cent with a £499 fee for those with a 25 per cent deposit.
Santander is offering a lifetime tracker with no early repayment charges at a rate of 2.49 per cent, with a £495 fee for a 25 per cent deposit.
Nationwide has a five-year tracker at 2.59 per cent for new borrowers with a 40 per cent deposit, with a
£99 fee and a free legal and valuation package, but you must have or
take out its FlexAccount current account to qualify. Existing borrowers
can get a 2.49 per cent rate.
- A note on changing rates: Our mortgage rates round-up is kept regularly updated. We do not simply pick the absolute lowest rates but instead scour the market for the best overall deals, using a combination of rates, fees and other extras. Rates can change on mortgages at short notice and sadly lenders do not always inform us when they alter them (especially if they raise rates rather than lower them). This can lead to occasions when the rates listed above are not available. If you ever spot this situation - or a good rate we have not listed - please email email@example.com with mortgage rates in the subject line and we will update the round-up asap.
Mortgages are easier to get
While Britain's property boom and bust highlighted that there was no doubt that lenders needed to become far more prudent, many have also been using checks to weed out only the best prospects for their limited funds - leaving first-time buyers and those with small deposits somewhat in the lurch.
The Funding For Lending scheme aims to lift that burden and reopen the mortgage market to those without substantial equity or cash reserves. Banks are sitting on a pile of cash from the scheme and have the firepower to boost lending and cut rates further, whether those for borrowers with big deposits can go any lower remains to be seen. There is certainly plenty of wriggle room for cutting rates for smaller deposits.
Those sat on a higher rate right now could find remortgaging would save hundreds of pounds a month and it may be worth grabbing one of these good deals while you can - you could gamble on rates going lower but they may not and may even rise.
In the meantime, you could be shelling out much more than you need to on your monthly payments, which is an important aspect to consider when deciding whether to play the waiting game.
Why have mortgage rates fallen?
Mortgage rates have fallen again as lenders compete a little more and the Bank of England's Funding for Lending scheme has helped push down money market borrowing costs.
Prior to this they had been pushed up by the lack of competition in the market and yet more bad news from the eurozone and banks.
As SVR hikes arrived and more borrowers were pushed to remortgage, lenders raised prices to both take advantage and try and limit the new business coming to them.
The good news is that cuts have finally arrived and rates have now slipped back. Interestingly, the gap between fixes and trackers has narrowed substantially over this period.
Beyond Funding for Lending, these are the major factors that could affect rates right now.
The eurozone crisis
Interest rates and the money markets
Money markets now forecast the first hike from the record low 0.5% base rate may come in 2015 to 2016.
The Bank of England's forward guidance suggests it will not raise rates before 2016, unless employment drops dramatically.
After this, base rate is expected to rise slowly and gradually, as the Bank of England fears damaging the weak recovery.
Five-year swaps have plummeted since they stood at above 3 per cent two years ago, fell below 1 per cent this year, and spiked over late summer and early September. They now stand at 1.75 per cent (4 October) down from 2 per cent in early September.
Economic gloom means interest rates are likely to stay low for longer.
The eurozone debt crisis has calmed for the moment but is still with us. A fix of sorts was found with the European Central Bank's bond-buying plan, but critics say this may only be a sticking plaster though and that the problem is not solved.
Things may be looking up for the UK economy, but the Bank of England has said it will keep rates low until recovery is assured.
Inflation slips
Inflation has been stuck above target some time but the BoE insists this is not a concern and once temporary pressure falls back out it will resume its trend towards the 2 per cent target.
The Bank of England's forward guidance suggests it will not raise rates before 2016, unless employment drops dramatically.
But the base rate does not really drive new mortgage rates anymore.
Lenders' funding costs
A number of things influence mortgage rates: the price of funding on the wholesale money markets, the cost of getting funds in from savers and also the amount of capital regulators demand banks hold against their loans.
While the Bank of England base rate has remained at a rock bottom 0.5 per cent, banks and building societies had been paying just under 3 per cent rate to attract new cash from easy access savers.
This dramatically shifted with the arrival of Funding for Lending, dishing out funds at 0.75 per cent took the heat off savings deposits and the money markets and while savers suffered, borrowers are celebrating much lower rates.
Should you get a new mortgage? And what to get?
Certainly, those on standard variable rates of 4 per cent or higher with reasonable equity in their home should seriously consider moving.
One option is a fee-free, early repayment charge free, life-time tracker. This could shave money off their monthly repayments - or leave them equal - and ensure their rate will only rise when base rate does.
Many could grab a fix and pay less than they are now, or just slightly more. If you are on an SVR you should seriously think about moving, unless you have a Nationwide / C&G-style guarantee capping it at a certain level above base rate.
Events have highlighted the vulnerability of standard variable rates and discount rates linked to them, with Santander's rise following mortgage giant Halifax raising its SVR, along with Bank of Ireland, Co-op and Clydesdale/Yorkshire Banks. RBS also raised rates for 200,000 borrowers with Offset and One Account mortgages. Unlike standard variable rates, which are at the mercy of bank's whims, trackers will only move up if the base rate rises.)
[Latest charts and predictions on wholesale borrowing markets]
Funding for Lending allows banks to swap
assets such as existing loans with the Bank of England for up to four
years in exchange for gilts, which they can then use to borrow money for
their lending at close to base rate.
They pay a small fee to access the scheme, of 0.25 per cent per year.
This will remain the same if they keep grow net lending or keep it
stable. If they shrink it the fee will rise by 0.25 per cent for every 1
per cent decline in net lending up to a maximum of 1.25 per cent.
The price of each bank's borrowing in the Scheme will depend on its net lending between 30 June 2012 and the end of 2013.
Banks can borrow up to 5% of their existing lending stock, and for every
£1 of additional lending made by a bank, it will be able to access an
extra £1 of cheap funding from the scheme.
The way the scheme is set up means that with base rate at 0.5 per cent
banks can access funding at a rate of just 0.75 per cent and even if
they shrink net lending they will not pay more than 2 per cent for it.
Why fix for five years or track for life?
At This is Money we have typically favoured five-year fixes and lifetime trackers over two or three year deals. The first give a good rate and security over a medium term period for those who want it, the second should allow borrowers to leave without incurring early repayment charges.
By contrast two or three year deals have slightly lower rates but will incur more remortgage fees and require borrowers to be looking around for a new mortgage just as rates may be starting to rise.
That said two-year fixes are offering some extremely low rates at the moment - below 2 per cent - and so could be worth a look, however, you must make sure paying fees makes them worth it.
The gap between a top five-year fix and a best lifetime tracker has substantially narrowed: with decent equity or deposits the former sit at about 3 per cent and the latter just under.
Five-year fixes are cheap money locked in for a decent term and very tempting, but make sure you read the small print - ensure it can move home with you if needed - and compare costs including fees to see what is best for you.
- Go to thisismoney.co.uk/mortgage-calculator to do so.
Safety first or take a gamble
Locked in: A five-year fix offers the security that your payments will not rise.
The appeal of a five-year fix to both buyers and remortgagers is the longer term security it gives and that there is no need to remortgage in a short period of time, when rates are likely to be higher.
Homeowners should check that deals they are looking at are portable, and can therefore go with them if they move home.
Never forget the pay rate on trackers will rise when the base rate does.
The bigger margin on fixed rates means that borrowers willing to take a gamble on rates rising slowly are being tempted by tracker rate mortgages.
Those happy to take a punt on rates rising slowly can save money over time by opting for a tracker,but they need to be comfortable with the risk of higher payments and factor in a decent safety margin when working out future mortgage costs.
Big fees vs rates
The best rates require big fees, but in most instances, fee-free or low-fee options are available and that highlights how vital it is for borrowers to work out if a big fee-low rate mortgage is worth it for them.
Typically, the bigger your mortgage the more worthwhile it is paying a large fee, although watch out for those that are a percentage of your loan.
Should I wait to see if rates go lower?
The problem for borrowers in recent years is that they don't know when mortgage rates will hit the bottom.
The past year is a case in point. Just as it looked like we had already seen the best mortgages ever that were around a year ago vanish with months of hikes, rates then headed back lower again. They then jumped again, Funding for lending arrived and now they are now back at record lows.
Lenders certainly have room to push rates down further with more money to lend, but there is no guarantee that they will do so though and many are likely to use chunky margins to rebuild balance sheets.
The Bank of England believes that the way it has structured the Funding For Lending scheme will achieve the desired falls, however, there is no guarantee this money will end up with those who need help the most - borrowers with smaller deposits.
Borrowers need to be aware that in these repeated financial crisis days there is something else factored in to mortgage rates: risk.
Lenders are boosting rates to cover their fear of bad debts and the financial authorities' demands that they cover themselves adequately.That fear factor will remain for years to come, so don't expect a return to the easy credit days before 2007.
A brief guide to what decides rates
Mortgage rates and savings rates are part of a complex financial web that draws on official lending costs, ie base rate, money market funding costs, and competition for savers' deposits.
The traditional influence on fixed rate mortgages over the past decade has been swap rates [latest on swap rates], the cost of obtaining fixed term funding on the money markets for lenders.
Meanwhile, the traditional influence on tracker rates over the same period has been Libor, the cost of floating rate funding on the money markets.
Banks use savings deposits to fund mortgages as well as money market borrowing, while building societies are heavily limited in how much of the latter they can use.
This means fixed savings rates are also influenced by swap rates, while instant access savings are influenced by variable interest costs - base rate and Libor.
How the financial crisis changed things
Typically money market costs tended to move in line with the Bank of England's base rate, with Libor about 0.1 per cent above it and swap rates reflecting what the market thinks interest rates will be over a set period of time, ie two years, five years etc.
The credit crunch put paid to this relationship temporarily, but things then returned almost back to normal.
However, Libor rose once more, from its level at about 0.8 per cent, as the Eurozone debt crisis has deepened to reach almost 1.09 per cent in early 2012. It has since fallen back to 0.51 per cent.
Swap rates stood at 0.83 per cent over two years and 1.75 per cent over five years on 4 October 2013.
Generally, a rise in Libor or swap rates will push up mortgage costs and a fall will allow lenders to cut them. [Latest on Libor rates]
However, at the moment mortgage lenders' levels of confidence and their access to funding are equally important to rates, this has manifested itself in demands for big deposits and high margins on mortgages above money market rates.
If confidence increases, in the economy, the banking sector and the outlook for house prices, lenders will find it easier to raise funding and borrowers can expect rates to come down and deposit requirements to ease.
This would ironically be bad news for savers, even if base rate rose slightly, as the unfreezing of the money markets would make their deposits less important to lenders - leading to worse rates being offered.
Choosing a mortgage - the essential quick guide
1. Mortgages are still being rationed - but you can get them
The problem is that rates are being used not just to make money but also to ration mortgages - most lenders could not cope with the demand that offering say 3 per cent over five years to those with a 25 per cent deposit would bring.
If you are in the position of needing to fix, remember if you have a 25 per cent deposit or equity, despite the doom and gloom, now is not a bad time to be looking for a mortgage. After all, any rates below 5 per cent are historically cheap.
- Compare deals: True cost mortgage calculator
To get the full choice of deals raising a decent deposit is still vital. The benchmark figure is 25 per cent, if you have this then you'll be getting close to the best rates, although for an absolute cheapest deal you're still likely to need 40 per cent.
However, things are looking up for homemovers and first-time buyers who can't raise that hefty quarter of a property's value. A selection of better deals for 15 per cent deposits are available and even the 10 per cent deposit market is looking perkier.
The most consistent rates in recent times come from YBS, Nationwide, First Direct, HSBC, the Co-op / Britannia and the Post Office. Tesco has also recently added itself to this list. Check them out if you are searching for a mortgage.
3. Should I take a fixed rate?
Borrowers face a tough decision on this, as fixed rates still remain comparatively expensive by comparison with tracker deals. That leaves the big question: when will interest rates rise?
The consensus is that there will be no dramatic sudden increases. However, these forecasts are no guarantee that rates won't rise and when rates rise trackers will get more expensive. [Remember almost no one forecast base rate heading down to 0.5 per cent]
Borrowers needing security should consider the extra cost of a fix as worthwhile. If you are taking a tracker because you couldn't afford the equivalent fixed rate then you are putting yourself in a very dangerous position.
For those remortgaging, or buying and able to take their mortgage with them, if you don't need to act right now, i.e. you are on an existing low tracker rate or guaranteed standard variable rate, it might be worth keeping your cheap deal - but remember you are taking a punt on low rates and setting aside some savings that you make is a wise move.
4. Should I take a tracker rate?
Tracker rates look good right now. They are cheaper than fixes but they should come with a massive warning sign attached, as essentially they are a gamble.
What looks like a bargain rate now, could soon get very expensive when interest rates rise.
Even the best trackers are at about 2 to 3 per cent above base rate. That's fine when base rate is 0.5 per cent, but a whole a lot more expensive if it rises to just 2.5 per cent, which would still be a historically low level.
Anyone considering a tracker needs to make sure they are not just storing up a problem for the future. If the tracker comes with an early redemption penalty that would make it expensive to jump ship, then make sure your finances could take a rise of at least 2 per cent to 3 per cent in interest rates.
Of course, that may not happen. Inflation may subside, the UK may remain mired in economic gloom and rates may stay below 1% for many years to come. If that happens a tracker looks a good bet, but just to reiterate - it is a gamble.
For that reason we at This is Money like tracker deals that fit into one of these three categories: no early redemption penalties, a cap to how high the rate will go, or that let you jump ship for a fixed rate if rates rise.
- More predictions: When will the UK base rate rise?
5. Will my lender hike my standard variable rate?
A number of mortgage borrowers have fallen victim to lenders hiking their standard variable rates, despite the base rate remaining stable.
Santander announced it would raise its SVR for an estimated 300,000 borrowers in mid-August
Halifax had been the biggest name to do this when it announced it was bumping its SVR from 3.5 per cent to 3.99 per cent in spring.
Some RBS and NatWest borrowers also suffered a recent hike, as have Co-op, Clydesdale and Yorkshire Bank customers and Bank of Ireland borrowers.
Skipton Building Society did it too when its SVR soared from 3.5 per cent to 4.95 per cent. It had previously pledged its SVR would never be more than 3 per cent above base rate and had reduced it accordingly as the Bank of England cut rates. To change its SVR, Skipton had to cite 'exceptional circumstances'.
A number of small building societies, including Marsden, Scottish, Cambidge, Kent Reliance and Accord Mortgages, have also raised SVRs since the base rate hit rock bottom.
Other lenders like Nationwide have introduced a new SVR - it has a new one at 3.99 per cent, instead of 2.5 per cent, for new borrowers and those remortgaging.
Borrowers with smaller societies or lenders shut to new business are most at risk of seeing SVRs raised. Previously it was thought that those with larger societies or banks should be safe but the Halifax and RBS moves put paid to that view.
Never forget than without a Nationwide-style base rate lock guarantee, your SVR could be hiked at any time, as could a discount rate linked to it.
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Hi all,
I'm looking for a kind of resume software for Vista that I'm not sure exists, but if someone knows of something like it please let me know. I've looked at several commercial resume software sites but they're high on hype and low on details. I'm willing to pay for the software if needed, but I wouldn't sniff at quality freeware.
Here's my idea of what it would do, please guide me to something like it: I'm not currently looking for a job but I want to track all of the things that I do that might be helpful the next time I need to put together a quick resume, say, for a volunteer position or award (ie, something I don't want to spend 12 hours to make perfect but just want to send off quickly). Since I could potentially list far more things than should be put on a resume, as I add new things I would like to classify them under certain (ideally multiple) categories, say "marketing", "management", "teaching" or "art".
So if tomorrow I want to apply to a volunteer position teaching art at a community center, everything related to those skills (be they from my education, work history or previous volunteering) will be automatically brought out by selecting "teaching" and "art", and I can trim from it as needed. It would also be great if I could include job descriptions of various lengths that could be adjusted based on the length of the resume I send out.
Does anyone have any recommendations? Thanks in advance for your help!


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Director: | Phil Traill |
Actors: | Felicity Jones, Ed Westwick, Bill Nighy, Brooke Shields, Tamsin Egerton, Bill Bailey, Sophia Bush |
Pretty tomboy Kim Matthews, 19, used to be a champion skateboarder but now she's stuck in a dead end job trying to support her Dad. Opportunity comes knocking in the form of a catering job in the one of the most exclusive chalets in the Alps. At first, Kim's baffled by this bizarre new world of posh people, champagne and skiing – but then she discovers snowboarding, and the chance to win some much needed prize money at the big end of season competition.
Status: | QuickPick |
Run time: | 96mins |
Origin: | UNITED KINGDOM |
Aspect Ratio: | 16:9 |


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Gardens in Cornwall
Welcome to Cornwall's gardens 50 glorious gardens to visit
Enjoying the warmth of the Gulf Stream, the magical gardens in Cornwall are home to a wealth of exciting, rare and beautiful plants and trees, from wild woodland to neatly manicured lawns, from the small and unusual to large and famous. Browse through listings representing the best Cornwall has to offer. Use the left-hand filters to refine your search and help you find exactly what you're looking for.
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Eden Project
Dubbed the Eighth Wonder of the World by some, Eden is a dramatic global garden housed in tropical biomes that nestle in a crater the size of 30 football pitches.
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Trebah Garden is a beautiful sub-tropical paradise with a stunning coastal backdrop.
Hardy Exotics
Delight your senses and wander through the two and a half acres of inspiring exotica. Enjoy the Hardy Exotics experience in this beautiful garden nursery. Unique and intriguing collection of exotic-looking garden plants
Trelissick Gardens
An inspirational garden with varied woodland planting, mixed borders with bright summer and autumn flowers together with exotic perennials. Perched at the head of the Fal Estuary, Trelissick boasts jaw-dropping views.
Headland Garden
Headland Garden in South Cornwall, is a stunning cliffside garden overlooking the Fowey estuary with seats tucked into rocky crevices where you can enjoy the stunning view across to Fowey. Steps descend to a sandy cove where visitors can swim.


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School-run parking is a nightmare again
3:43pm Wednesday 25th April 2012 in Letters to the Editor
NOW the Easter holidays are over, back they come like locusts.
I mean the school parents in their cars, parking on the pavements, parking on bends, blocking T-junctions and throwing rubbish out of their cars.
If these people read the Highway Code these are all offences and this is happening three times a day.
When your drive is blocked and you say anything to them, you get abuse back telling you we should not have bought a house near a school.
For their information I have lived here for more than 14 years. We don't need all this abuse and law-breaking. My wife is disabled and she can't even walk on the pavement, she has to go in the road. This also goes for mums with pushchairs.
I suggest all the council officials, police and traffic wardens visit these roads from 8.30am until 9.15am, then again at lunchtime and in the afternoon when it's time to come home from school. Then they will see the problem themselves.
We have been to the nearby school, have phoned the council and spoken to the police – each one tells you to get in touch with each other.
So tell me where do we go from here? We would be prepared to have permit parking. – REG DUFF, Catharine Close, Chafford Hundred.


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Um, a bit too selective emphasis in each of those quotes IMNSHO - because it is your emphasis, not Ivan's. To correct a glaring omission, for readers' benefit here is the link to the original article:
The whole article gives a somewhat different picture to that from your (mis-)quotes. Readers might, for example, like to consider Dean's response to Dslyecxi's (?) question "Do you feel like Santa Claus when you're doing that?". I don't read that or anything else in the article to justify your assertion "they are already tailoring towards DayZ" - indeed the word "tailoring" does not appear at all. Where else did he say that, or did you just make that up to bolster a pretty shoddy argument?
I worded that wrong and I think you misunderstood. I didn't mean to say that Ivan specifically said they are tailoring to DayZ. But some of the stuff he says indicates that the recent fixes that we've been seeing are tailored towards DayZ.
All these beta patches they've been releasing have come about to help tailor to the MP portion of ArmA II, thanks to DayZ. I would say they are tailoring the game for DayZ. But, as I said, all the adjustments they've made thus far have benefited the whole community.
It's only the beginning.
Last edited by Nicholas; Jun 24 2012 at 21:55.
"The greatest way to avenge your enemy is by learning to forgive." - Takashi Tanemori
"All these beta patches..." Again, a generalisation in terms of supporting a rickety argument.
There have been major changes that improve the core game functions that are not specifically aimed at DayZ, nor even at MP (though they will benefit both as much as they do SP mil-sim, because they are core changes).
And what on earth does "It's only the beginning" mean? The beginning of what?
All Bohemia is doing is removing some of the stumbling blocks that are in the way of Rocket developing his mod smoothly.
Other modders will benefit from these same fixes, the only real difference is that they are getting a higher priority then normal.
Give us some examples of where Bohemia has abandoned dealing with Arma issues in favor of DayZ and maybe you're argument that it's having a negative effect would hold more water
instead of being the typical sky is falling cries when new people join the community.
Well, that's why I stated this: "But, as I said, all the adjustments they've made thus far have benefited the whole community." So far everything they've introduced has benefited the whole community. But I personally think that all these recent beta patches we've been seeing are tailored towards DayZ and Ivan somewhat confirmed my thoughts.
I never said it was bad, did I? No.
I'm aware of that. If DayZ was released as a standalone product, I can tell you now that I would pre-order it in a heartbeat. It is an awesome mod that I would love to see expanded on much more. I'm sure Bohemia Interactive can find a team to work on DayZ. They already have a dedicated team working on Carrier Command: Gaea Mission as far as I know.
Maruk even stated himself that working on multiple projects in parallel is needed to sustain the company. I think DayZ would be a great project for them to invest time and money into.
I personally hope they pursue DayZ as a standalone game and that the development of both DayZ and ArmA can still benefit from each other. Like Take On Helicopters and ArmA.Unlike in the early years of the massive success of the original OFP, we rely on sales of new projects in order to sustain the company. Part of the reason is that the original game was made by a team of eight, whilst something of Arma 2's scale required a team nearly ten times bigger. So unless we focus on much smaller games there is no way we can sustain development unless we are able to work on multiple projects in parallel.
Last edited by Nicholas; Jun 24 2012 at 23:43.
Theres also the sh#$load of free advertising they are getting on Youtube and PC Gamer's almost daily articles about DayZ and Arma 3.
Even more money they can pour into development instead of pricey ads.
The success of DayZ might also work to remind the AAA developers that releasing modding tools is a good thing
for sales of the base game like it was for DOOM and Half-Life.
Maybe we'll see Bohemia manage a hostile takeover of EA in the future?


text: Former Angel Bobby Grich, who founded the team's Alumni Association in 2002, connects the team's past to its present. He is the official starter for Sunday's Angels 5k & Fun Run, which kicks off the celebration of the Angels' 50th anniversary. For more news, check out the Angels blog and more columns by Marcia C. Smith.


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Mali: Soldiers' Deaths Probed in Civilian Investigation
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Remains of 21 people found near barracks in Mali
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Electronics & Telecommunications Programs & Projects | |
Advanced Magnetic and Quantum Materials
Last Updated Date: 12/15/2011 Quantum coherent materials have become important in magnetic sensors as well as information processing technology. For magnetic sensors, … more
Nanostructure Fabrication and Metrology
Last Updated Date: 11/07/2011 Single photons are the fundamental particles for all optical measurements. Single photon detectors made from avalanche photodiodes or … more
Metrology of the Ohm
Last Updated Date: 10/03/2011 Resistance standards traceable to NIST provide references for measurements of current at levels from 2000 A to below 1 pA and are used to support … more
Quantum Conductance Project/Graphene-Based Quantum Metrology
Last Updated Date: 10/03/2011 The goal of the Quantum Conductance Project is to develop graphene metrology for intrinsic electrical standards, specifically … more
Electric Power Metrology and the Smart Grid
Last Updated Date: 10/03/2011 Our country's way of life depends on the electric power distribution system. Keeping the national electric grid in good working order -- and … more
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Last Updated Date: 10/03/2011 Imaging in the terahertz frequency range enables the detection of concealed weapons and other contraband (e.g., explosives under clothing) without … more
Thermal Noise Metrology
Last Updated Date: 09/27/2011 This project develops methods for very accurate measurements of thermal noise and provides support for such measurements in the communications and … more
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Last Updated Date: 02/11/2011 Antennas are the eyes, ears and voices of everything from cell phones to interplanetary spacecraft. The Antenna Metrology Program carries on … more
Smart Grid Version 2.0
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Antenna Metrology Project
Last Updated Date: 10/05/2010 Antennas are the eyes, ears and voice boxes of everything from cell phones to interplanetary spacecraft. The Antenna Metrology Program carries on … more
Advanced High Frequency Devices
Last Updated Date: 10/05/2010 The Advanced High Frequency Devices Program develops measurement methods to determine the characteristics of advanced electronics and devices at … more
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Last Updated Date: 10/05/2010 Radio-frequency (RF) waves and microwaves are involved with almost every facet of everyday life. Radio stations, television, wireless devices, … more
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Last Updated Date: 10/05/2010 Consider the consequences if nearby electronics could interfere with a jet's instruments or cause an automobile to stall. The Field Parameter … more
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Last Updated Date: 10/05/2010 Imagine how much safer a fire fighter's job would be if it were possible for a robot to navigate in a burning building and locate those in … more
Super-resolution Optical Microscopy
Last Updated Date: 10/05/2010 As the electronics and data storage industries build devices on ever decreasing scales, they need advanced imaging techniques that allow them to … more |
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10 warning signs of Alzheimer's
By Mayo Clinic staffOriginal Article: http://www.mayoclinic.com/health/warning-signs-of-alzheimers/MY01036
- With Mayo Clinic health education outreach coordinator
Angela Lunde
read biographyclose windowBiography of
Angela Lunde
Angela LundeAngela Lunde is a dementia education specialist in the education core of Mayo Clinic's Alzheimer's Disease Research Center at the Abigail Van Buren Alzheimer's Disease Research Clinic in Rochester, Minn.
The transfer of information about dementias, as well as understanding the need for participation in clinical trials, is an essential component of the education core.
Angela is a member of the Alzheimer's Association board of directors and co-chair of the annual Minnesota Dementia Conference. She is a member of the Dementia Behavior Assessment and Response Team (D-BART), a multidisciplinary outreach service assisting professional and family caregivers in understanding and managing difficult behaviors often present in dementia. She facilitates several support groups, including Memory Club, an early-stage education and support series, and more recently, helped to develop and now deliver Healthy Action to Benefit Independence and Thinking (HABIT), a 10-day cognitive rehab and wellness program for people with mild cognitive impairment.
Angela takes a personal interest in understanding the complex changes that take place within relationships and among families when dementia is present. She is particularly interested in providing innovative and accessible ways for people with dementia and their families to receive information and participate in valuable programs that promote well-being.
"Amid a devastating disease, there are tools, therapies, programs and ways to cope, and it is vital that families are connected to these resources," she says.
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Alzheimer's blog
Oct. 31, 2009
10 warning signs of Alzheimer's
By Angela Lunde
128 comments posted
With November upon us, the holiday season is apparent. This time of year I experience an increase in calls and e-mails from concerned family members. Since the holidays are often a time when families who are miles apart gather with one another, memory problems get noticed. A son or daughter visiting mom or dad for a few days may begin to see changes in memory that may not have been so apparent during their phone call visits.
Sometimes it can be difficult to differentiate between the normal changes that occur with aging and the signs of something more serious like Alzheimer's disease. The Alzheimer's Association has an updated list of 10 warning signs of Alzheimer's that I find helpful. Each warning sign includes a description with some examples. In addition, there is a brief statement of normal or typical age related changes that may not be a cause to worry.
Alzheimer's Association 10 warning signs of Alzheimer's:
- Memory loss that disrupts daily life
One of the most common signs of Alzheimer's is memory loss, especially forgetting recently learned information. Others include forgetting important dates or events; asking for the same information over and over; relying on memory aides (e.g., reminder notes or electronic devices) or family members for things they used to handle on their own.
What's typical? Sometimes forgetting names or appointments, but remembering them later. - Challenges in planning or solving problems
Some people may experience changes in their ability to develop and follow a plan or work with numbers. They may have trouble following a familiar recipe or keeping track of monthly bills. They may have difficulty concentrating and take much longer to do things than they did before.
What's typical? Making occasional errors when balancing a checkbook. - Difficulty completing familiar tasks at home, at work or at leisure
People with Alzheimer's often find it hard to complete daily tasks. Sometimes, people may have trouble driving to a familiar location, managing a budget at work or remembering the rules of a favorite game.
What's typical? Occasionally needing help to use the settings on a microwave or to record a television show. - Confusion with time or place
People with Alzheimer's can lose track of dates, seasons and the passage of time. They may have trouble understanding something if it is not happening immediately. Sometimes they may forget where they are or how they got there.
What's typical? Getting confused about the day of the week but figuring it out later. - Trouble understanding visual images and spatial relationships
For some people, having vision problems is a sign of Alzheimer's. They may have difficulty reading, judging distance and determining color or contrast. In terms of perception, they may pass a mirror and think someone else is in the room. They may not realize they are the person in the mirror.
What's typical? Vision changes related to cataracts - New problems with words in speaking or writing
People with Alzheimer's may have trouble following or joining a conversation. They may stop in the middle of a conversation and have no idea how to continue or they may repeat themselves. They may struggle with vocabulary, have problems finding the right word or call things by the wrong name (e.g., calling a "watch" a "hand-clock").
What's typical? Sometimes having trouble finding the right word - Misplacing things and losing the ability to retrace steps
A person with Alzheimer's disease may put things in unusual places. They may lose things and be unable to go back over their steps to find them again. Sometimes, they may accuse others of stealing. This may occur more frequently over time.
What's typical? Misplacing things from time to time, such as a pair of glasses or the remote control - Decreased or poor judgment
People with Alzheimer's may experience changes in judgment or decision-making. For example, they may use poor judgment when dealing with money, giving large amounts to telemarketers. They may pay less attention to grooming or keeping themselves clean.
What's typical? Making a bad decision once in a while. - Withdrawal from work or social activities
A person with Alzheimer's may start to remove themselves from hobbies, social activities, work projects or sports. They may have trouble keeping up with a favorite sports team or remembering how to complete a favorite hobby. They may also avoid being social because of the changes they have experienced.
What's typical? Sometimes feeling weary of work, family and social obligations - Changes in mood and personality
The mood and personalities of people with Alzheimer's can change. They can become confused, suspicious, depressed, fearful or anxious. They may be easily upset at home, at work, with friends or in places where they are out of their comfort zone.
What's typical? Developing very specific ways of doing things and becoming irritable when a routine is disrupted
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Tri-County Resources, Hilltop's domestic violence advocacy program serving Montrose, Ouray, and Delta Counties, welcomes October as National Domestic Violence Awareness Month. One in four women will be the victim of domestic violence at some point in her lifetime, and, on average, three women are killed every day at the hands of a current or former intimate partner.
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Revealed – Perfect Cryogenic Vials
Storing your samples in the vapour phase of liquid nitrogen puts great demands on the storage vessel. For this reason we have combined a unique set of protecting features into our range of Cryogenic Vials.
- Both cap and tube are made from the same tough material and have the same co-efficient of expansion which produces a safe secure seal at all temperatures.
- A range of 3 different cap designs offer both staff and sample protection whilst certified RNase, DNase, Pyrogen and DNA-free manufacturing means freedom from key contaminants.
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