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Rising home values have lifted more borrowers out of the hole of owing more than their properties are worth, an encouraging sign for an economy still closely tied to the health of the housing market.
The number of "underwater" homeowners in the fourth quarter of 2012 declined by 1.7 million from a year earlier, meaning 1.7 million U.S. households have regained home equity, according to data released Tuesday by CoreLogic, CLGX 0.00% CoreLogic Inc. U.S.: NYSE $34.06 0.00 0.00% Dec. 12, 2013 4:01 pm Volume (Delayed 15m) : 773,550 AFTER HOURS $34.06 0.00 0.00% Dec. 12, 2013 4:25 pm Volume (Delayed 15m): 24,758 P/E Ratio 22.40 Market Cap $3.19 Billion Dividend Yield N/A Rev. per Employee $341,686 More quote details and news » a research company. Overall, the company said 21.5% of households with a mortgage were underwater at the end of 2012, down from 25.2% at the end of 2011.
A rebound in the value of Matthew Oropeza's Phoenix home meant he didn't have to sell while it was worth less than he owed on it. David McNew for The Wall Street Journal
The housing sector continued to show strength in February, helping U.S. Futures hold onto their gains. Alexandra Scaggs has details. Photo: Getty Images.
When consumers have equity in their homes, they feel more optimistic about their finances and become more likely to spend money on other goods and services, which helps boost the economy. Having equity also makes it easier for homeowners to take advantage of low interest rates by refinancing their mortgages, which frees up cash that can then be used on other items.
"Home equity is the biggest source of wealth, so if equity is increasing that has a very large effect on household spending and consumer psychology," said Sam Khater, an economist at CoreLogic, adding that this knock-on effect filters down to everyone from real-estate agents to furniture stores.
The declining number of underwater households is one of several changing housing trends that have made real estate a much bigger contributor to economic growth. After dragging on growth since 2006, the portion of gross domestic product that includes homebuilding contributed just over a quarter of a percentage point to the nation's growth last year.
Matthew Oropeza's Phoenix home Greg Markov
"All the things that fed on the downside feed positively on the upside," said Joseph LaVorgna, chief U.S. economist for Deutsche Bank. DBK.XE -0.93% Deutsche Bank AG Germany: Xetra €33.17 -0.31 -0.93% Dec. 12, 2013 5:35 pm Volume : 4.86M P/E Ratio N/A Market Cap €34.13 Billion Dividend Yield 2.26% Rev. per Employee €454,077 12/11/13 3-D Printing Stocks Catch Wall... 12/11/13 3-D Printing Stocks Gain Wall ... 12/11/13 What WSJ Canada Is Reading Wed... More quote details and news »
Of course, some newly above-water households are just barely at breakeven and therefore are a long way off from being able to change their finances in any significant way. And the overall ranks of those underwater remain large, at about 10.4 million, down from 12.1 million at the end of 2011, according to CoreLogic.
But for those whose lives were put on hold while their homes were upside down, moving above water has come as a huge relief.
Matthew Oropeza is one of them. In 2009, the 30-year-old business-systems analyst paid $96,000 for his Phoenix home. Over the next two years, he watched prices continue to fall, until similar homes in his area were selling for as low as $64,000.
Realizing he was underwater, and not wanting to lose his 15% down payment, Mr. Oropeza says he turned down a number of job opportunities in places including Pennsylvania and Oklahoma. "I decided I didn't want to short sell and I didn't want to take the loss," he says. "It was going to take a couple years of work just to pay the debt of the house so it was like, 'Am I really progressing here?' "
In December, after Mr. Oropeza's employer required him to move to an office in Orange County, Calif., he finally gave in and called real-estate agent Greg Markov, who specializes in short sales. "We reviewed the numbers and I told him, 'I got good news. I think this is going to be a breakeven thing and you might be able to walk away with some money,' " said Mr. Markov. Mr. Oropeza has a $105,000 offer on the home and expects to close the sale within two weeks.
While home prices are rising in most markets across the country, few have seen as big a rise as Phoenix, which was among the nation's hardest-hit markets during the bust. According to the closely watched Case-Shiller home-price index, prices in Phoenix jumped 23% in 2012.
Prices started to firm in Phoenix last year as investors poured into the market to buy heavily discounted homes for cash. Those gains have steeply reduced the inventory of homes for sale to just over two months' supply at the current sales pace, according to The Wall Street Journal's quarterly housing survey. The shortage has pushed prices even further by increasing buyer competition.
With so little inventory to sell, Luis Solis, a Phoenix real-estate agent, is hoping the home-equity revival will entice more sellers into the market. Mr. Solis recently printed up flyers that he plans to send to select homeowners in the downtown Phoenix area where he specializes. His pitch includes two similar homes that sold for more than the current residents paid. The message: If you think you're underwater, think again.
"There are people who just a couple years ago were 150 grand underwater, and depending on the price, they're even now," says Mr. Solis. "I want to get specific with people. This is a way to get their attention."
Write to Conor Dougherty at email@example.com


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Dunlop Silk 16 String Natural Customer feedback
Contribute Your Feedback |
Click the button below or email email@example.com to contribute your experiences with this product. Although not necessary, it's interesting to have a first name, city, state and country (no email addresses will be used). Any information submitted becomes the property of Tennis Warehouse. Please include any relevant information such as skill level and style of play. |
Comments: When I first used this on a few Dunlop demos, I thought it was extremely harsh. I think that the Dunlop demos were just strung at too high of a tension. I have these in my Prince EXO3 Tour (16x18) at 61 lbs and they feel very soft with just a bit of crispness that I love. I've used almost every multi out there and this is one of the best. The closest one that comes to mind is Wilson NXT.
Comments: These are great strings to balance out my racquet. I used a Dunlop Aerogel 4D 500 Tour and it's pretty
stiff so the comfort offered by this string is definitely welcomed. The power and lively feel are just a added bonus.
Dunlop Silk 16 String Natural - Where to go from here | ||||

subset: commoncrawl


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My husband and I stayed at the Montford Inn this Thanksgiving and absolutely loved it! It's tucked away in a neighborhood near the University so it was quiet and felt more like home than a hotel. The room was perfectly cozy and very clean, as was the rest of the Inn. We felt so welcome there our entire visit. The... More
- Official Description (provided by the hotel):
- Welcome to Oklahoma's premiere Bed and Breakfast Inn and Cottages. In the heart of Norman, Oklahoma, near the University of Oklahoma, Montford Inn invites you to experience the comfort of being at home, yet be a part of something special. Montford Inn is everything the discriminating guest has come to expect: Elegance, Grandeur, Comfort, Attention to Detail, Charm, Antiques and Location. Guests will find the spirit of the Inn to be delightfully romantic and relaxing. The Inn, built in 1994, was custom-designed to create a unique quality and personalized atmosphere, achieving a distinctive ambiance through a combination of elegance and country tradition. Whether you are looking for the perfect place for that special occasion, or coming to Norman, Oklahoma City or the University of Oklahoma on business, Montford Inn offers its guests the luxurious alternative to traveling in hotels at surprisingly competitive rates. ... more less


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In early 15th century Italy, there was a return to classical Greek and Roman ideas and styles. During this period, a manuscript was discovered in Greece by a Florentine which purported to explain about 200 Egyptian hieroglyphs. After this discovery, Egyptomania spread across the country and Egyptian influences began to appear in Italian Renaissance art. In fact, there are examples of rebuses (word-image puzzles) created by Leonardo da Vinci, which seem to have elements derived from Egyptian hieroglyphs.
Join Rebecca Howard of The Ohio State Universitys Department of the History of Art for a fascinating look at the Egyptian influence on Italian Renaissance art.


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Staff was excellent; the team member checking us in was GREAT and gave my family a larger room that was available. The only complaint was the shower/tub floor; it was not clean; some bleach would have done the trick. My wife was not happy.
- Reservation Options:
- TripAdvisor is proud to partner with Expedia, IHG, BookIt.com, Priceline, Travelocity, Orbitz, Booking.com and Hotels.com so you can book your Holiday Inn Express Hotel & Suites Lafayette East reservations with confidence. We help millions of travellers each month to find the perfect hotel for both holiday and business trips, always with the best discounts and special offers.


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and if you feel like you may want a new desktop,,here are a few I have made up.
isaluteyou wrote:id like to see the last one in colour HB looks like a million times better than the slop we are getting right now in san diego
Front page of the Times (UK) today RELATED: Surf Chat Author: surf patrol Replies: 2 |
Quiksilver Pro France Starts Today RELATED: Surf Chat Author: surf patrol Replies: 7 |
So many break throughs today! *images* RELATED: Surfing Lessons For All Author: peazz Replies: 9 |
Almost drowned today, Help please! RELATED: Longboarders Only Author: 9long Replies: 16 |
Tuflite spray paint match white - finally found - auto store RELATED: Surf Chat Author: Beanie Replies: 3 |


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Host Laura Theodore prepares a classic Italian-American inspired menu featuring authentic tasting "Spaghetti and Wheatballs." On the side, egg-free "Caesar Salad with Cashew Parmesan" adds a timeless flair. For dessert, delicious "Pear, Apple and Walnut Crostata" finishes the meal with gusto.
Visit the Website: http://www.jazzyvegetarian.com
Episode #301 / Length: 26 minutes
On TV
- Thursday, December 19th at 7:00 AM on KLRU Create
- Thursday, December 19th at 1:00 PM on KLRU Create
- Saturday, January 4th at 6:30 AM on KLRU Create
- Saturday, January 4th at 6:30 PM on KLRU Create
- Sunday, January 5th at 12:30 PM on KLRU Create


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I went for business and I had a room on the 12th floor. It is considerer somewhat executive. It was a nice and clean room, with everything you need to work in peace. Minibar great. The internet connection was a problem though, as I only had connection in the bathroom which was kind of weird. Try to get a room... More
- Also Known As:
- Crowne Plaza Monterrey Hotel Monterrey
- Crowne Plaza Monterrey Hotel
- Monterrey Crowne Plaza
- Official Description (provided by the hotel):
- Crowne Plaza Monterrey, located in the Monterrey Historic Area on Avenida Constitución, in the heart of Monterrey, is just a few minutes from the Mariano Escobedo International Airport and major business centers, as well as the most important museums and entertainment facilities. Our facilities include rooms for conventions with a capacity of up to 1200 people, a business center that is open 24 hours a day, high-speed Internet access in the rooms, our new Sleep Advantage concept, Club Solarium with jacuzzi, indoor heated pool, gym, massage room and sauna. ... more less
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- TripAdvisor is proud to partner with Hotels.com, IHG, Priceline, Orbitz, Expedia, Cheap Tickets, Travelocity, Booking.com, MexVax and Fareportal so you can book your Crowne Plaza Monterrey reservations with confidence. We help millions of travellers each month to find the perfect hotel for both holiday and business trips, always with the best discounts and special offers.


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Some 15 illegal immigrants are being processed for deportation following a stash house raid north of Palmview.
It all happened Abram Road just north of Mile Four and a Half just after 2:30 p.m. Thursday.
Hidalgo County Sheriff Office deputies were first on the scene and made the discovery.
Investigators said Border Patrol agents have taken the 15 illegal immigrants into custody.
Action 4 News will provide more information as it becomes available.


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FRIDAY, Dec. 7 (HealthDay News) -- The drug Avastin (bevacizumab), when added to chemotherapy, does not improve disease-free survival in patients with triple-negative breast cancer any better than chemo alone, new research finds.
"Therefore, sadly for patients, we have nothing extra to add to chemotherapy for early, triple-negative breast cancer," Dr. David Cameron, a professor of oncology at Edinburgh University in Scotland, said in a news release from the American Association for Cancer Research.
He was scheduled to present the findings Friday at the 2012 San Antonio Breast Cancer Symposium.
Previous studies of Avastin had found benefit. However, in 2011, the U.S. Food and Drug Administration revoked approval of the drug for late-stage breast cancer, citing risks -- such as heart failure and severe high blood pressure -- that outweigh the benefits. The drug may still be used off-label, with doctors prescribing it to patients if they think that patient could be helped.
This new study signals the death of the drug for breast cancer, although it is helpful in other cancers, said Dr. Joanne Mortimer, director of Women's Cancer Programs for the City of Hope Comprehensive Cancer Center in Duarte, Calif. She reviewed the new findings.
Another physician took a different view, saying others should consider continuing research on the drug. "We have all seen some success stories with the drug, and Avastin may be a drug that works in only a select few," said Dr. Stephanie Bernik, chief of surgical oncology at Lenox Hill Hospital in New York City.
Avastin is marketed by Genentech. Swiss drugmaker Hoffmann-La Roche, which acquired Genentech, sponsored the study.
For the new study, researchers randomly assigned nearly 2,600 patients with triple-negative operable primary invasive breast cancer to four or more cycles of chemotherapy. They used either an anthracycline-based or taxane-based chemo drug. One group also received a year of Avastin therapy.
Triple-negative breast cancer refers to those tumors that do not have estrogen or progesterone receptors or express the HER2/neu gene.
The researchers followed the women to see if the Avastin made a difference in disease-free survival. At a median follow-up of 32 months, no significant improvement occurred by adding Avastin.
Among those who received chemo alone, 107 died during the follow-up period, compared with 93 deaths in the group getting chemo plus Avastin, the investigators found.
Those in the Avastin group were more likely than the chemo-alone group to have problems such as severe high blood pressure and congestive heart failure.
The drug is effective in other cancers, Mortimer said. "It's a very important drug for lung, [gastrointestinal] and kidney cancers," she explained.
The drug is still listed in the recommendations for breast cancer treatment by the National Comprehensive Cancer Network. The not-for-profit is an alliance of 21 major international cancer centers, including City of Hope.
Health insurers turn to the recommendations when deciding which drugs to cover. Avastin is costly, about $112,000 a year for breast cancer patients.
Because this study was presented at a medical meeting, the data and conclusions should be viewed as preliminary until published in a peer-reviewed journal.
More information
To learn more about breast cancer, visit the American Cancer Society.
Copyright © 2013 HealthDay. All rights reserved.
HealthDayNews articles are derived from various sources and do not reflect federal policy. healthfinder.gov does not endorse opinions, products, or services that may appear in news stories. For more information on health topics in the news, visit Health News on healthfinder.gov.


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Irish Worker Occupation Update
By Tolstoys Cat at Feb 04, 2009 |
Waterford Crystal: 'We're occupying this plant to save our jobs'
by Simon Basketter
Workers at the Waterford Crystal factory in Ireland have delivered a powerful example of how to take on the recession - they are occupying their plant to keep it open.
The factory is owned by Waterford Wedgewood, which went into receivership on 5 January. The receiver suggested that the plant move to a three-day week.
Workers were reluctant to go along with this and were suspicious of the motives behind it. Many believed that the factory would close as soon as they were out the door. It turned out the receiver had the same idea.
Last Friday afternoon the receiver declared that manufacturing would cease immediately at the Waterford factory - with the loss of 480 jobs out of a 700-strong workforce.
News that the plant was closing was greeted with anger by workers. The union was only told of the immediate sackings when it directly asked if the rumours were true.
Tony Kelly is the Unite union's chief shop steward for Waterford Crystal. He told Socialist Worker, "The plant is on a three day week - so they chose Friday afternoon because it isn't a production day.
"I was driving home when I heard the news and drove back to the plant. Over the phone we agreed we had to get inside."
Workers texted and rang round each other, urging as many as possible to get to the factory. The receivers had already hired in private security guards to secure the site.
"The security tried to stop us getting in - but they failed," one worker told Socialist Worker. "They closed the doors, but there were too many people. We stormed our way in - some 400 workers entered the plant.
"We've been in occupation since 2pm on Friday. Food, money and support have been flowing in."
The occupation is on six-hour rotating shifts with up to 100 workers on each one. The Starry Plough - the flag of James Connolly and the Irish labour movement - was raised over the plant.
A rally was held outside the plant last Saturday. Over 3,000 people turned up to show their support despite torrential rain.
Across Waterford taxis stopped running, while shops and businesses closed for an hour in solidarity.
A van was touring the area to hand-deliver letters telling the Waterford Wedgewood workers that they had been sacked.
It was spotted on one estate and chased away - so many workers have yet to receive official notice of their dismissal.
Tom Hogan is a former Waterford glass worker and president of Waterford trades council. He told Socialist Worker, "People are just saying, 'Thank fuck somebody is doing something!' They used to go home to their fires at night and contemplate which window in the dole office they were going to line up at. But the occupation has turned that mood around."
A worker from the occupation added, "The bosses thought people wouldn't fight because they were too fearful. People are fearful - but they are also very angry."
John joined the company in 1962 and worked at the factory for 46 years before being made redundant just before Christmas.
Long haul
He told us he had received the statutory portion of his 55,000 euro redundancy package - but was still owed 30,000 euro from the company. "We're going to stay here for the long haul. We have nothing to lose," he said.
One of the workers' demands is that the Irish government guarantees that all previously agreed redundancy payments are made.
Joe, another worker in the occupation, told Socialist Worker, "We're staying until we get the receiver's decision to close the plant reversed.
"We want there to be an opportunity for someone to come in and buy this company and save jobs. And we want reasonable conditions for any that have to leave.
"Most of us have put in between 20 and 40 years of service. We are not being thrown on to the scrapheap by a receiver appointed by some accountant."
Within 24 hours there were talks between the unions, the government and the receivers. As Socialist Worker went to press a number of firms were looking to buy the company and at least one is promising to keep 300 of the jobs.
As one worker told Socialist Worker, "They are private equity companies, which isn't good - but we can fight them over conditions if we keep the manufacturing plant open.
"At the very least we want money from the government to guarantee pensions and redundancy money. If the private sector won't keep open the plant, then it should be nationalised."
People across the trade union movement - and in particular, workers at the Wedgewood plant in Stoke-on-Trent which is owned by the same company - should draw two lessons from the Waterford occupation.
They should be wary of what little promises to look after workers really mean when a company goes bust.
And they should be inspired by the example of Waterford workers, who have shown that you can fight back and turn the situation around.


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Louise Sweet Featured
Louise Sweet of Flowers On The Vineyard will featured for her work on the Style Network this month. It can be seen on cable channel 119 Tuesday nights at 9 p.m., or go to stylenetwork.com and click on weddings away, then destination weddings, then Martha's Vineyard.
Dan Aykroyd on UFOs
Plum Martha's Vineyard will broadcast an interview with comedian and writer Dan Aykroyd about his research on aliens and UFO sightings. The program will be shown on Channel 76 at various times this week. It also is available on the Plum Web site, vineyard.plumtv.com.
Plum Lunch
Plum is readying a new summer show Creative Lunch hosted by ad-man Richard Kirshenbaum, founder of Kirshenbaum Bond + Partners. Mr. Kirshenbaum has helped develop such brands as Kenneth Cole, Snapple and Target and is regularly featured in the New York Times, Wired and as a commentator in US Weekly's Fashion Police section.
By MARK ALAN LOVEWELL
The Vineyard's public access community cable station MVTV will provide a video on-demand service for Island political meetings. Denys Wortman, president of the public access cable station, announced last Friday that the service is under way, though still in its early stages.
Plum Streams Live
Plum TV, Comcast channel 76, announces live streaming on plumtv.com.
Plum TV is a network of eight stations around the country featuring local TV from destinations such as Martha's Vineyard, Aspen, Vail and Miami Beach.
Plum TV, a network of eight stations around the country featuring local TV from destinations such as Martha's Vineyard, Aspen, Vail and Miami Beach.
Plum TV Nominated
Plum TV of Martha's Vineyard (channel 76), along with Plum's Nantucket and Sun Valley stations, has been nominated for eight New England Emmy awards. Winners will be announced at Boston Marriott Copley Place on May 30.
How's Your News
How's Your News, a television show starring former campers from Vineyard Haven's Camp Jabberwocky, premieres Sunday, Feb. 8 at 10:30 p.m. on the cable network MTV. The show features the talents of Bobby Bird, Larry Perry, Jeremy Vest and Sean Costello, all of who are long-time summer residents by way of the camp. For more information, visit howsyournews.com.
Tonight, Jan. 2, at 7 p.m., MVTV will air a half-hour video special about the winter session of the Adult and Community Education Program (ACE MV) titled Learn and Grow — ACE MV Adult Education. The program was created by BZ Riger.
Brussels sprouts and turnips will get their 15 minutes of fame next week when Susie Middleton of West Tisbury kicks off her Thanksgiving holiday with a guest spot onthe Martha Stewart Show, where she'll demonstrate quick-roasting techniques for vegetables.


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I'm hoping for Bishop as the leader of the brotherhood. I know he did what he did for the greater good but once you have crossed that line I dont think you can go back so easily. Plus he could see the Brotherhood as a way to an end, Bishop still will want Hope dead...
It's hard to see him as the leader of the Brotherhood at this point, but Elixir knows about X-Force and has been MIA.
I Draw Pictures All Day:
Black legion to appear next issue.. Interesting & the mall sky assassins prison resembles the AOA Akkaba "Sky prison" I could be on to something guys
Wolverine #9, "Get Mystique, Final Repose"
The line was: "I only helped you because of Kurt. Because you were his friend right up until the end. Because of him, I couldn't be a part of...what I know is coming next."
That was her acknowledgement of his death.
(Then Wolverine kills her, by the way.)
Maybe Angel or Evan lead the new brotherhood? One can dream at least and after reading this, I say to Rick Remender...
I Draw Pictures All Day:


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She adds a little Sopranos flair to make it amazing.
Exclusive: The RHONY star unveils her new online jewelry store with Countess-worthy pieces.
The NJ 'Wife, Gretchen Rossi, Cynthia Bailey and 'GG' Gharachedaghi make Complex's hot list.
The Life After Top Chef star adds fall flavors to spice up the often boring burger.
The Beverly Hills Housewife opens up about her split from Paul Nassif.
NeNe, Kim, and the rest of the Atlanta ladies are still bringing the drama for season five.
The Top Chef judge stuns the legendary chef with some good old hangover food.
Think tiny travel buddies and Diet Cokes.
Download the app to get fun behind-the-scenes facts on your favorite shows.
Enter your caption for a chance to be featured in our weekly newsletter!
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Worlds collide as the TLC tot gets her spaghetti on at Lisa's Villa Blanca.
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The stars of our new show opine on all things feline.


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Bruce Schoenfeld
Bruce Schoenfeld is the wine and spirits editor of Travel + Leisure as well as an award-winning author and television writer. His wine-, food- and travel-writing has appeared in publications such as Gourmet and Food & Wine.
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"The fault dear Brutus lies not in the stars, but within ourselves" Shakespeare
Strange times these days are. We want to point a finger at everybody instead of our own role in the problems we have today. I am probably just as guilty as anybody of blaming everyone else, but God willing, I am willing to own up more to the fires I have ignited. At least I am better than I used to be.
What has that got to do with today? Plenty. The Centers for Disease Control and Prevention released some very dreadful news the other day. It appears that we are losing a battle with ourselves more than terrorism. The truth is, Americans insatiable need for prescription drugs is a bigger problem than the War on Terror, the Karl Rove-George W. Bush creation. The Center for Disease Control announced that 14,800 people died in 2008 from over doses in painkillers, up from 4,000 in 1999. Annual deaths from painkiller prescription drugs now surpass those from heroin and cocaine combined. Then when you look at the war zone in Mexico–the root of the problem is not the Mexican drug cartels, it is Americans insatiable appetite for drugs.
My free market friends claim there is too much regulation in America and to large extent I agree, but not when it comes to finance, not when it comes to Wall Street. On Wall Street, HMS Deregulation is alive and well, and it is not just an American problem, but a global one. Think global warming is bad, global deregulation of the financial markets is a frigging nightmare. Regrettably, when we see the financial crisis in Greece today, and which will inevitably migrate further into Europe and into the U.S., finance, Wall Street is always lurking in the shadows. Banks have their fingerprints over the mess. Does not matter whether it is Goldman Sachs, Barclay's, BNP Paribas, Deutsche Bank or Banco Santander or Nomura or Lehman. Exploding banks are a world problem.
So the fall of MF Global and Jon Corzine is a warning shot of more to come, I think. Only in America, Corzine, a Goldman Sachs banker extraordinaire, adversary of Hurricane Hank Paulson and buddy of J. Christopher Flowers, one day a predatory banker, another, became both a U.S. Senator and governor of New Jersey using his pile of cash he made at Goldman. On another day, Corzine would captain MF Global, now another reckless plunge not only to bet the company's capital but apparently its customers. Now bankrupt, MF Global pulled down some name brands with it, Fidelity's Pyramus funds, RS Investments, TIAA-Cref, JP Morgan , Deutsche Bank and CNBC. The truth is there is no real regulation on Wall Street. Jon Corzine may not get his $12 million severance
What is worse MF Global, which was a commodity trading powerhouse is a canary in the coal mine. The asset management industrial complex, which makes MF Global a midget in a land of leviathans such as Fidelity, Pimco, Goldman Sachs, BlackRock and JPMorgan, is an industry which dodged the regulation oversight bullet when it comes to managing your assets in your 401(k). If only folks at Occupy Wall Street could figure this one out, then they would have something to protest about. As usual, regulators are Keystone Kops in the MFGlobal/Jon Corzine case a kind of what happened moment involving Masters of the Universe. It appears MF Global also stuck J. Christopher Flowers for $48 million, the same guy who owned one of The Pirates of Manhattan biggest private residences.
News Corp. continues its woes. Apparently the hacking culture of the media giant has quite the history. James Murdoch, heir apparent, is pulled into the mess. Heres the link. News Corp Lawyer Noted 'Hacking' in 2008.http://online.wsj.com/article/SB10001424052970204528204577012153254681664.html?mod=googlenews_wsj


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Brady plc appoints Martin Thorneycroft as Chief Financial Officer
5th December 2013, London: Brady plc (BRY.L), the leading supplier of trading and risk management solutions for metals, recycling, energy and soft commodities, announced today the appointment of Martin Thorneycroft as Chief Financial Officer and Member of the Board of Brady plc effective January 2nd 2014.
Brady is rewarded for Excellence in Commodity Logistics
21st November 2013, London: Brady plc (BRY.L), the leading global supplier of trading, risk management and settlement solutions to the metals, recycling, energy and soft commodities sectors, is delighted to be presented with the Commodity Business Awards 2013 "Excellence in Logistics" award last night at the London Savoy Hotel.
Brady CTRM selected by Traxys Group for Global Commodities Trading and Risk Management
11thNovember 2013, London: Brady plc (BRY.L), the leading global supplier of trading, risk management and settlement solutions to the metals, recycling, energy and softs sectors, announced today that Luxembourg-headquartered metals trading company, the Traxys Group ("Traxys"), has licensed Brady's Commodity Trading and Risk Management solution to handle its global commodity trading and risk requirements for the marketing and sourcing of metals and minerals.
Thursday, 24 October 2013 07:00
Brady ECTRM selected by MAG Commodities for Agricultural Trading and Risk ManagementWednesday, 16 October 2013 07:00
MVV Trading GmbH selects Brady to handle its power scheduling in the UKMonday, 07 October 2013 07:00
Brady extends its Cloud Services to offer solutions to recycling companiesThursday, 25 July 2013 07:00
Brady adds FastMarkets real-time metals price feed to its trading and risk solution offering for metals customersTuesday, 16 July 2013 17:03
Brady facilitates automated trade entry and reconciliation with Nasdaq OMXTuesday, 16 July 2013 17:02
Brady CTRM selected by Agrifert SA for Soft Commodities Trading and Risk ManagementWednesday, 23 January 2013 07:00
Brady continues positive momentum in 2012 with strong revenue growth and record number of contract winsThursday, 10 January 2013 07:00
Sadoff Iron and Metals Company selects Brady Recycling for an enterprise-wide solution to manage its recycling operationsMonday, 17 December 2012 07:00
Gas Aggregator Company of Nigeria selects Brady for Contract ManagementMonday, 03 December 2012 07:30
OneSteel selects Brady for metal trading and risk management of its recycling operationsMonday, 12 November 2012 07:00
Brady moves into the recycling sector to close the loop on its metals offeringWednesday, 18 July 2012 08:00
Brady announces record licence deals and 30% revenue growth in first half 2012


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The Baccalaureate Core Committee and the office of APAA coordinate with units to use the electronic Student Evaluation of Teaching (eSET) to gather indirect evidence of student learning in Baccalaureate Core skills categories in the year prior to their review.
- eSETs have already been collected for the 2013-14 Baccalaureate Core Category review. For units who wish for the eSET Bacc Core questions to continue, the questions will remain. For all other courses the questions will be removed.
College of Engineering WIC courses in the 2014-15 will have questions added to their eSETs beginnning in the Fall 2013. DPD courses will be contacted in the Fall regarding additional eSET Bacc Core questions that can be added in the Winter.
What should instructors do?
There is no need for instructors to take any action. The questions will be automatically added to the participating courses. Instructors will still be able to add their own individual questions to course evaluations.
Results Handling
The results will be independently processed by the Academic Programs, Assessment and Accreditation (APAA) Office and then distributed as aggragate data to the Baccalaureate Core Committee, faculty and unit heads.
- The eSET data will NOT be used in individual course reviews during the Bacc Core Category review process.
- Individual instructors will NOT be identified in data that are used in the review.
Baccaluareate Core Committee
The Bacc Core Committee will ONLY receive aggregated data from the eSET. The data will be aggregated such that individual instructors are not identifiable.
eSETs are NOT used in any aspect of the individual course reviews during the Bacc Core Category reviews.
Faculty will receive the results of the additional Bacc Core questions on their eSET reports. Hopefully student responses to these questions will provide some insight into the student perceptions on their learning related to the outcome. Faculty may choose to include eSET data as part of their review, but are not required to do so.
Unit Heads
Because the questions fall under the "quantitative" category as Likert Scale questions, the student responses to the Bacc Core SET questions will show up on the individual faculty reports that unit heads receive.


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New and Noteworthy
This year marks 35 years of Women's Studies at Brandeis. Check out our rich history, here.
The Brandeis University Women's and Gender Studies Program (WGS) offers an undergraduate major and minor as well as an M.A. and 10 joint M.A. programs. The Joint M.A. degree in women's and gender studies and another discipline may be pursued in conjunction with a Ph.D. or independently.
The program's faculty is composed of 19 core and 34 associated members from 23 departments and programs. Sustained by the WGS National Board, the program offers lectures, symposia and performances, as well as student prizes, scholarships, internships and other special opportunities.
Please explore this Web site to gain a fuller understanding of our degree programs, courses, projects, prizes, events and opportunities for participation. We welcome your input and request that you please contact us with any questions or suggestions.


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This item is currently out of stock but will be back in stock soon... If you would like to be the first to know when it's back in stock then just fill out the form below & we shall do the rest!
Unlike other companies we will not charge you for any items that are not in stock and this service only exists so we can keep our customers informed when products are back in stock.
Please login to use the pre-order form.
Click Here to login or Register.
Founded in 1973, Oxford Products are the UK's market leaders in motorcycle security & touring products and export to over 50 countries worldwide. When you choose Oxford Essential Rider Equipment you get a product that is tried, tested & guaranteed to provide quality & durability.
Oxford bring you their new 2011 updated touring boots the Oxford Bone Dry Short Motorcycle Boots. These essential waterproof boots are comfortable, easy to through and most of all are affordable for all you new bikers out there. These boots are made with synthetic leather and incorporate a fully waterproof and breathable lining. Get all your winter essentials from GhostBikes today!!!
Ghost Bikes now stock a full range of Oxford Motorcycle Clothing Please click here to see what's currently available.
The Oxford Bone Dry 2011 Ankle Motorbike Boots are packed with features...
Specifications include
The Oxford Bone-Dry Short Touring Boots are currently available in the colours and sizes shown in the product variation above, if there is no variation option, they will be available in the colours as shown in the pictures above.
Your package will include the following
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Ok dooders...
here be the pics of closeing the perimeter....using corner blocks that are made`of the same type of wood me gonna use for the banding in this case padauk. Some times they are solid blocks however in these builds they are lamd with spruce. This blocking method eliminates the process of cutting out a cross channel to insert the banding into later.... see pics, you'll get the gist of me drift.
Ok. is Friday, me and me lady friend gonna go dancing tonight, maybe lay down some toons over the next few days, she is quite the picker.
So dojo closed till next week when me tackle the kurfed linings.
duh Padma
PS: Oh and by the way the trilogy has now becom a quartet ... me added a bass...see pic
of bass and the 6 stringer and the uke and finally the mando.


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Carolina De Robertis Biography
Carolina De Robertis is the author of Perla and The Invisible Mountain, which was an international bestseller translated into fifteen languages, the recipient of Italy's Rhegium Julii Prize, and a Best Book of 2009 according to the San Francisco Chronicle; O, The Oprah Magazine; and BookList. Her writings and literary translations have appeared in Zoetrope: Allstory, Granta, The Virginia Quarterly Review, and elsewhere. She is the translator of Alejandro Zambra's Bonsái, which was made into a feature film, and Roberto Ampuero's internationally bestselling The Neruda Case. De Robertis has been awarded a 2012 fellowship from the National Endowment for the Arts. This biography was last updated on 07/04/2012.
A note about the biographies


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Secret seahorses in the Thames revealed
Sunday 6 April 2008
Protection of a British seahorse by the Wildlife and Countryside Act 1981 is excellent news for the Thames, reveal ZSL conservationists. Watch a video of these unique creatures.
A number of short-snouted seahorses (Hippocampus hippocampus) have recently been discovered in the Thames during routine ZSL conservation surveys.
ZSL didn't announce the findings publicly when they occurred because the creatures were not protected by the Act. Usually found in shallow muddy waters, estuaries or seagrass beds, their presence in the Thames estuary is another good sign that the water quality of the river is improving - but any disturbance to their habitats could be disastrous.
Conservationists are relieved that the animals now have the full protection of the law and hope that announcing their previously hush-hush existence in the Thames will remind people how important it is to maintain the cleanliness of British waterways.
ZSL's Marine and Freshwater Conservation Programme Manager, Alison Shaw, said:
"These amazing creatures have been found in the Thames on a number of occasions in the last 18 months during our regular wildlife monitoring work. It demonstrates that the Thames is becoming a sustainable biodiverse habitat for aquatic life. It is not clear how endangered short-snouted seahorses are because there is little data known, particularly in the UK, so every scrap of information is valuable. Now they are protected conservationists are more relaxed about telling the world they are there."
Play this video It was announced in February that the short-snouted seahorse, together with the water vole, angel shark, roman snail and long-snouted seahorse will gain protection against being killed, injured, or taken from the wild from the 6th April 2008. They join the list of wildlife species such as the otter and grass snake that already enjoy protection under the Wildlife and Countryside Act 1981. In addition, the possession or selling of the water vole, short-snouted seahorse, spiny seahorse and roman snail will become an offence. It will also become an offence to damage or obstruct the short-snouted and long-snouted seahorses' place of shelter or disturb them in their place of shelter.
Both the short-snouted and long-snouted seahorse (Hippocampus guttulatus) are kept and bred in the aquarium at ZSL London Zoo, where aquarists are studying their life history and behaviour in an effort to understand more about them so their wild habitats and requirements can be protected. The European breeding programme for both species is also managed by the Zoological Society of London.
ZSL's Project Seahorse, an international team of biologists, development specialists, and other professionals, is committed to conserving and managing seahorses. In Europe, we are conducting the first genetic study to determine how seahorse populations differ across Europe and a second study into how seahorses are affected by environmental change. All of this information, together with the Zoo's ex-situ studies, will help to conserve these enchanting animals for the future.
The Zoological Society of London is the co-founder and major partner in the global Project Seahorse initiative, committed to the conservation and sustainable use of the world's coastal marine ecosystems (www.projectseahorse.org).


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Thu March 1, 2012
Federal Court to Hear Challenges To Immigration Laws
A federal appeals court hears arguments Thursday in legal challenges to tough new state immigration laws in Alabama and Georgia. The Justice Department and civil rights groups have sued. At issue are both civil rights violations, and whether states can constitutionally engage in immigration enforcement.


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NP Rank:
28: The Great Awakening: ten volcanoes awaken in one week
Read More>> http://newsdoors.blogspot.com/2013/01/28-great-awakening-ten-volcanoes-awaken.html
28: The Great Awakening: ten volcanoes awaken in one week
GEOLOGY – With Kamchatka currently being one of the most volcanically active places on the planet, here is a summary of the current volcanic activity in the past week in the region by the Kamchatkan Volcanic Eruption Response Team. Lava dome growth and effusion of a viscous lava flow continue at Shiveluch volcano, accompanied by moderate fumarolic activity and incandescence. Satellite imagery showed a thermal anomaly over the volcano all week. Eruption's at four cinder cones producing fluid lava flows on the S part of the fissure on the flank of Tolbachik continues. A large thermal anomaly on the N part of the fissure was detected on satellite imagery. Gas and ash plumes from Tolbachik rose to heights of 4 KM a.s.l. A lava flow continues to extrude on the east flank of Kizimen volcano, accompanied by incandescence, hot avalanches and strong gas and steam activity.
Read More>> http://newsdoors.blogspot.com/2013/01/28-great-awakening-ten-volcanoes-awaken.html
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World's Tallest Roses
Flowers seem to be a fairly standard Valentine's Day gift, one that is so expected that it is actually quite difficult to impress your Valentine with them without going to extremes. Filling up a room with roses could be prohibitively expensive, but the World's Tallest Roses, while still pricey, might make even more of an impression. Just look at how pleased the woman in the picture is to see the roses!
The roses are over five feet tall and are carried exclusively by Organic Bouquet. The roses are imported from Equador, where the combination of sun and volcanic soil allows them to reach such impressive heights. Price for 1 dozen: $250.
[via growabrain]


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A listing of upcoming business related events.
Wednesday, Dec. 5
Cost estimating basics: 3-5 p.m., FTCC's Small Business Center. An introduction for business developers, and those new to the contractual process, to the basic principles and elements of cost estimating, including a generic process one might use to develop a cost estimate. Details: Billy Buckner, 678-0192 or firstname.lastname@example.com
Agritourism farm tour: 1-5 p.m. The N.C. Cooperative Extension in Robeson County offers a Sustainable Agriculture and Agritourism Farm Tour of Raft Swamp Farms and a discussion of farming, gardening, beekeeping, self-sufficiency and agritourism. Departs from O.P. Owens Agriculture Center, N.C. 72 West, Lumberton. Cost: $5. Register by Tuesday by contacting 910-671-3276 or email@example.com
Saturday, Dec. 8
Advanced class on Microsoft Word for job-seekers: 10-11:30 a.m., West Regional Branch Library. A class on special features and tools that Microsoft Word has to offer. Must have knowledge of Word. Registration required. Free. Details: 487-0440
Dec. 11
Preparing a business plan: 2-4 p.m., West Regional Branch Library. Learn how to design a strong business plan with advice from the Center for Economic Empowerment Development. Free. Details: Laura Solano at 323-3377
Dec. 13
New laws affecting contractors: 6-8 p.m., Department of Social Services, 1225 Ramsey St. A seminar on the impact of lien waiver modifications and bond laws, hosted by Cumberland Regional Improvement Corp. Registration: 483-6439.
Dec. 20
Intermediate Microsoft Word seminar: 10-11:30 a.m., Bordeaux Branch Library. Explore the word processing program, including formatting options and the use of tables. Job seekers can improve their skills in Word. Registration required by calling 424-4008. Free.
Jan. 7
Starting and managing a business: 6-9 p.m., FTCC. A course geared to beginners or small businesses on the basics of how to start, manage and grow a small business. Includes elements of a business plan, developing a marketing plan, conducting a needs assessment, types of business incorporation, cash flow analysis, small business investment strategies and developing customer outreach initiatives. Free. Details: 678-8462
Jan. 22
SCORE business seminar: 6-9 p.m., Sandhills Community College, Southern Pines. Tips to run a business and the challenges that you must face. Free. Details: Marilyn Neely at 910-695-3938
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Events at Loews Coronado Bay - San Diego
Bay Sailing Excursion
Enjoy the beauty of San Diego aboard one of our marina's sailing vessels from 12-2pm!
Dinner and a Movie
Order dinner through in-room dining and the movie is on us!
Market "Power" Breakfast
Market "Power" Breakfast from 7am to 12pm. Enjoy an array of breakfast classics along with regional favorites and house specialties.
Mistral Happier Hour
Savor bar bites from Chef Adam Cho as you take advantage of cocktail, beer and wine specials from 5-6pm daily!
Nature Walk
Enjoy a fun nature walk at Silver Strand State Beach from 1:30-2:30pm.
Sunset Sailing Excursion
Sunset sailing excursion from our marina - times vary.
Surf School
Participate in Coronado Surfing Academy Surf School from 9:30-11:30am!


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Need it by Christmas Eve?
Women's adidas NEO Lifestyle Shoes
Selena Gomez BBNEO Wedge Shoes
Black/Black/Mattesilver (Q38977)
Size Chart
+ Save To Wishlist
Rated 4.6 out of 5Â by 19
Rated 1 out of 5Â by sigh Her name on the shoe
Really wish her name wasn't on the shoe! It's cute and I love Selena but as a 20-30 year old, a teen celebrity's name on my edgy sneakers is just odd. Maybe put that on a tag inside the shoe or something, not fully displayed. Disappointed in that.
July 17, 2013
Rated 5 out of 5Â by SELENALUV AMAZING-SELENA
Selena Gomez is just a perfect human being and she designed these shoes perfectly. And she owns the same kind. She's my role model and I love Adidas so it combined my two favorite things. I really recommend these shoes they're so comfortable and stylish and SELENA HAD THE SAME PAIR! Now I can't wait for Justin to launch his collection completely! #jelena
August 9, 2013
Rated 5 out of 5Â by Arabellaxo AMAZING SHOE
Very comfortable and stylish! Goes with everything :) Very much worth 85$
August 9, 2013
Rated 5 out of 5Â by MzShopaholic Perfect shoe to dress down & still look cute
I was hesitant @first in buying only because I didn't know if it would look different in person & thought the style was more for teens. This shoe looks so cute on! Its a good way to look cute w/o wearing heels. I luv heels but sometimes you might want something stylish and comfy.
The only drawback was that although I wear 6.5 in adidas running shoes, I wish I had gotten a 7 in these for a bit of extra room. Due to the wedge your foot slides forward. (something I
totallyforgot) So...after walking for a bit in them,
you can definitely use the extra room in front.
October 5, 2013
Rated 5 out of 5Â by Rie Love the wedge part
July 30, 2013
Rated 5 out of 5Â by EmeraldMoonWave LOVE THEM :)
They are like the best shoes I have!
Totally worth the $92.00...
The wedge part makes me look super tall, and I can't wait to rock those shoes. <333
Selena is amazing. :))))))
August 19, 2013
Rated 5 out of 5Â by L0vely12 AMAZING
Very stylish and edgy, but most importantly comfortable! Very durable and made out of prestine satin and rubber. The studds are a great addition and are not flashy at all.
August 18, 2013
Rated 5 out of 5Â by tysha Cute Sneakers
They are sooo comfortable and cute I've recommend people to buy them..
August 7, 2013
Rated 5 out of 5Â by Meca Very nice shoes
I brought this pair of shoes for my teenage daughter and when they arrived we were in love but when she tried them on they were tight therefore I have to return them for a bigger size.I hope they have them in her size.Please buy a size bigger the shoes are made small.
November 11, 2013
Rated 4 out of 5Â by JuDe K fantastic black wedge sneakers
I just received them and they look fantastic! Always attracted to their unique style, I've never been disappointed by the fit, feel or wear-n-tear of my Adidas purchases... this is why their products are classics.
September 30, 2013
Rated 4.6 out of 5Â by 19
Rated 4 out of 5Â by ApacheB Very cute
I like the style of the sneaker a lot. I have broad feet, so they were a bit uncomforatble after a while, but all in all, very cute sneaker
November 1, 2013
Rated 5 out of 5Â by Selenator Perfect
I absolutely love these shoes!!! They're incredibly cute and extremely easy to wear! Haven't taken them off since I bought them.
October 20, 2013
Rated 5 out of 5Â by DeDe230 hot item
Great shoe!
December 4, 2013
Rated 4 out of 5Â by Downt time Chante Love it!!!
September 28, 2013


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mbfwa news!
12.12 Read more Amsterdam is fashion lovers' domain for 10 days
In January 2014 Mercedes-Benz FashionWeek Amsterdam celebrates its ten year anniversary with '10 days Downtown.
11.12 Read more Mercedes-Benz FashionWeek Amsterdam announces Catwalk Programme
Today Mercedes-Benz FashionWeek Amsterdam announces the Catwalk Programme for its ten year anniversary edition.
06.12 Read more Mercedes-Benz FashionWeek Amsterdam celebrates ten year anniversary
From Friday 17 to Monday 27 January, 2014 the 20TH edition of the Mercedes-Benz FashionWeek Amsterdam will take place.
More news about Mercedes-Benz FashionWeek Amsterdam
FWN News!
13.12 Read more Blog Lisette
Only 5 weeks left before Mercedes-Benz FashionWeek Amsterdam starts.. Whoehoee, a little bit nervous, but mostly I can't wait till it's the 17th of January 2014!
05.12 Read more Total Identity Zapposium
Last week on Monday 25 November, our Knowledge Partner Total Identity celebrated its 50th birthday with an evening full of interesting presentations, interviews and workshops called Zapposium.
05.12 Read more Click NL Inspiration event; Cross-overs in the creative economy
On Wednesday 27 November, professionals from all types of the creative industry gathered in the beautiful Arminius Church to get inspired by a great offer of speakers at the Click NL Inspiration Event.
05.12 Read more Blog Hanneke
"'After admiring the catwalk shows twice a year and participating in Downtown and Business Programme, I would like to be part of the team of FashionWeek Nederland."
02.12 Read more Workshop Brand-thinking in fashion by Total Identity
On Thursday 28 November 2013 twelve talented designers came together at the modern office of our Knowledge Partner Total Identity to actively participate in the workshop 'Brand-thinking in fashion'.
29.11 Read more Blog Christine
Today the 29th of November it's less than two months before the Mercedes-Benz FashionWeek Amsterdam is going to start. Time flies and I'm so excited to see what this 20th edition is going to be!
22.11 Read more Blog Linda
When I started my bachelor Communication Science I would have never thought ending up as an intern at FashionWeek Nederland. That is, however, what has happened. And I'm glad it did!
15.11 Read more Daring Designers #6 'Super Styling': The great job called Styling
On Thursday 14 November 2013, Pakhuis de Zwijger was overloaded with the most stylish inhabitants of the Netherlands who came to be inspired by the interesting stories of Quentijn Wulffers, Béatrice Jolly and Lonneke Nooteboom during the sixth edition of Daring Designers 'Super Styling'.
15.11 Read more Blog Rob
Last September I started as director of FashionWeek Nederland.
07.11 Read more Blog Florence
First I will introduce myself, I am Florence Mes and since December 2013 I am Programme Coordinator Downtown, Business and Fashion LAB.


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La Casa Milà of Antoni Gaudi - " La Pedrera" - Barcelona
After the Sagrada Familia, Casa Milà or "la Pedrera" as it is often called, is probably Gaudi's second most popular building in Barcelona.
Casa Milà covers an area of more than 100 square meters and includes two large circular patios, so that almost every part of the house gets its share of sunlight.
It is constructed entirely in natural stones, and lacking all the colors and ornamentation design. Maybe one of the most interesting places of the whole complex is the rooftop: here you can find a large ensemble of surrealistic chimneys all looking different and like sculptures standing there alone or in small groups, dominating the rooftop.
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Casa Mila (La Pedrera) Video by Barcelona.com
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Address : C. Provença, 261-265.
Zip code : 08008
City : Barcelona - Spain
Area : Eixample right
Email : firstname.lastname@example.com
Website : La Pedrera - Barcelona
Opening hours : Winter: Monday to Sunday from 9 am to 6.30 pm (last entrance at 6 pm)/ Summer: Monday to Sunday from 9 am to 8 pm (last entrance at 7.30 pm)/ Colsed 25th and 26th December, 1st and 6th January
Prices : 14€ adults; 10€ students & seniors
Phone : +34 934 84 59 00
Metro/Bus : Bus: 7, 16, 17, 22, 24 and 28. Metro: L3 Diagonal
Your comments : Casa Milà pedrera gaudi
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Car and Driver reviewed seven 18V impact wrenches, and called the Makita "strongest."
The BTW450 is one of 35+ tools in Makita's 18V LXT cordless tool line-up.
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