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Forum | Topic | Date | Replies |
Health & Support | upset at my diagnosis | Sep 08 2010 18:04 (UTC) |
23 |
Only in modern times, think back to days of yore with me, when the ladies were hauling around babies, churning butter, carrying water, kneading dough....it's really only in the last 75 years or so that it's really been viable to be a weak waif...even in England. And trust me, those ladies did not look like bodybuilders. You know you can lift 2lbs or 4 lbs (my purse weight more than 4lbs), so try and lift 5lbs, then 10 lbs...no one's saying to start at 50lbs, just work your way up. You don't have to have a crazy goal of heavy lifting, but maybe being able to carry your own groceries home without getting sore arms would be good. |
Weight Loss | Any good comebacks? | Sep 08 2010 17:57 (UTC) |
12 |
I have a decent "I'll kill you" stare, if you'd like to borrow it. |
Weight Loss | The failure of calories in, calories out? | Sep 08 2010 17:54 (UTC) |
9 |
If you really do have a thyroid problem, weight gain and depression are symptoms of an underactive thyroid and it makes perfect sense that you would have these issues. You are not depressed beacuse you are Eastern European and you are not gaining weight because you are eating too much. All of this is because of your underactive thyroid, it's important to your health that you do something about that, rather than just trying to treat the symptoms. You need to find a doctor that will treat your thyroid problem first, then the other problems should fall in line once that is dealt with. You said it is hard to find a decent doctor, but it's really important to your health that you make the effor to find someone that can and will help you. |
Young Calorie Counters | am I fat? i just wanna be happy... SOS anyone!!!!! | Sep 07 2010 16:12 (UTC) |
12 |
Don't ever do anything that could be described as 'restricting'. Restricting leads to hunger, and hunger leads to binging, thus starting the whole process again. You are clearly thin and small, young and active. You need to see a dietician to correctly figure out what your caloric intake should be. |
The Lounge | September 7th is National Acorn Squash Day | Sep 07 2010 16:09 (UTC) |
114 |
That's awesome. Seriously. |
The Lounge | What's the most you ever paid for a | Sep 07 2010 16:07 (UTC) |
15 |
Maybe $5, from Ikea....but I generally sew my own throw pillows, since anything decently pretty is wicked expensive. It's a square for goodness sake, not that hard to make...In general I can't justify buying things I can easily make myself. My mom was looking for a pillow for a bench and found the perfect one, for $70! She ended up making her own too...who buys a $70 pillow? |
Health & Support | Are laxatives a good idea? | Sep 07 2010 16:04 (UTC) |
7 |
Laxitives aren't heroin, it's fine to use them for their intended purposed when needed. If you need them all the time, then you should see your doctor; and if you're using them when you don't need them, that's bad too. But from the sounds of things, you just need to move things along... I would say use the lowest dose possible to get results, and check your diet to make sure that you are getting enough water and fibre to prevent this in the future. |
Fitness | Disgusting gym situation | Sep 07 2010 15:49 (UTC) |
9 |
1. We've never met. We never will. I basically don't exist, and neither do you. 2. You're the one that's, literally, airing your dirty laundry on an internet forum. 3. You asked if you should shut your mouth, remember? I said yes, you should. 4. I didn't say that people WIPE there ass with the towel, like after going to the bathroom, I said DRY. Yes, I do dry my butt with a towel after I shower; no, I don't go get toliet paper to dry shower water off it, and I have a hard time believing you do either. 5. If you actually think that the people at your gym masterbate in the change room, why are you a memeber there?? |
The Lounge | Annoying Office Mates | Aug 31 2010 20:48 (UTC) |
10 |
It probably was. You see, you broke your arms. She broke her toe and she SUCKS AT LIFE!... See how much worse she has it? |
Foods | Ethical Responsibility | Aug 31 2010 20:43 (UTC) |
10 |
This. Restaurants shouldn't have to adjust what they sell because people want to be unhealth, if it didn't sell, they wouldn't sell it. I wish that they still advertised smokes and booze like they used too. In my mind, if you need to be policed by society so that you don't kill yourself, you're probably a drain on society anyway. |
Fitness | Disgusting gym situation | Aug 31 2010 20:40 (UTC) |
30 |
Do you use your towel to dry your butt after a shower? Your balls, your pitts? What so you think other people do with them? Gyms generally bleach or boil the towels, that's why they are always white, and even if they didn't, you can't 'catch' HIV from a laundered towel. Maybe if it hadn't gone through a drier and you are covered in open sores...but that's probably not the case. If you're so put off by it, then yes, bring your own towels and shut your mouth. No ones' subjecting you to the towels but you. |
Weight Loss | did not lost any? | Aug 25 2010 17:10 (UTC) |
8 |
I would, because they don't. |
Weight Loss | did not lost any? | Aug 25 2010 17:10 (UTC) |
9 |
Yup, we're all just pointing out that you could have said it in one consise sentence rather than a jumbled non-sensical paragraph. Less is more. |
The Lounge | Are you part of the 20%? | Aug 25 2010 17:05 (UTC) |
36 |
I played FishVille because my sisters wanted me too, and it was super time consuming....one day I came home from work and my first thought was "Gotta feed my fish!" I was horrified because it should be "Gotta play with my REAL pet puppy who's staring at me with cute eyes and wagging tail whilst I log on to FB." So I deleted it and don't miss it one little bit....all those games are just time wasters for people with nothing better to do. |
Health & Support | Parent's soon to be fatal weight struggle | Aug 25 2010 17:00 (UTC) |
7 |
Could you convince her to go to family therapy with you?? Then she might see how worried you are and how much you want to help. Try suggesting that the two of you go to a dietitician for the whole family's health, she might just feel like her kid is attacking her and thinks she knows better...and parents really don't respond well to that. The boyfriend sounds crappy... And salads kind of suck, you can make lots of really tasty foods healthy and filling without resorting to boring salads. |
Foods | Low Sugar Cereal? | Aug 25 2010 16:56 (UTC) |
1 |
Plain instant oats (the really flattened out kind) with nuts and unsweetened coconut is awesome and filling in yogurt. |
The Lounge | Do you know who is in your schools? | Aug 25 2010 16:55 (UTC) |
5 |
Am I the only one that's wondering why you wouldn't just walk?? |
Weight Loss | Can confidence help weight loss? | Aug 24 2010 19:11 (UTC) |
2 |
Nope, I got a slimband ad. I totally think that you need to be in a good mindset to really make a positive change. When I feel like crap about myself, I either gorge and stay lazy, or I just stop eating. When I feel confident, I want to make healthy and positive changes, and people notice when you are exuding positive energy. I'm glad you are feeling good about yourself, the weight loss is just a bonus! |
The Lounge | How often do you wash your hair? | Aug 24 2010 19:07 (UTC) |
23 |
In university (whe I didn't care if I looked a bit greasy) I washed my hair on Mondays and Fridays. I coloured my hair a lot too, so it worked out well that I didn't wash my hair as much. Now that I need to look respectable at work, I wash every 1-2 days in the summer, 2-3 days in the winter, and on the weekends or after a workout I just rinse. I don't colour my hair any more, and I use crazy salon shampoo (Nioxin), so it stays pretty healthy and happy. I've heard about the no 'poo method, but I really couldn't start it now and show up to work looking like a grease ball....maybe if I go on sabbatical/mat leave at some point. |
Fitness | Plank | Aug 24 2010 19:03 (UTC) |
2 |
I worked up to 2 mins at one point, but just do a few reps until failure. I find that plank uses a lot more back muscle than crunches, but it's good to do a variety of moves if you want to get all the muscles, so don't just do planks. |
The side effects of allergy medications keep some people from using them. Natural remedies can be a great alternative, but some are more effective than others.


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My grandfather is in need of 2 units of A+ blood at Roum hospital in achrafiyeh. I wld appreciate if any of you can.
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My grandma Evelyn Wardini is in urgent need of B+ blood at Roum Hospital. If you can donate or know anyone can, would really appreciate it
We live in an age where we know how distant we've grown from someone by how far down they are on our whatsapp chat list
O- blood needed urgently at St. Jude hospital for 3 year old Nadim Karam. If you can donate please contact St. Jude. Thank you
It's okay to make sacrifices for others, but when those sacrifices mean changing any aspect of yourself, you've gone too far.
Happy Father's Day to @footnem @aymanitani @plus961 @arzleb @elwasso @dashkoun and any fathers to be and fathers I missed 😊❤
Went from being able to do 0 push-ups a couple of months ago to 20 now, non-stop (and no not the girly version) #proud 😊
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City Council's UFC Ban Gets Tweaked to Reflect State Law A proposal to keep kids under 18 from watching MMA fights didn't follow through as planned. By Steve Annear | August 21, 2013 4:23 p.m.
Despite Hard Hits, UFC's Return to TD Garden Called a 'Huge Success' Hesitant at first about coming back to Massachusetts, the league's president said it won't be their last visit. By Steve Annear | August 18, 2013 10:42 a.m.
Eat Like an MMA Fighter MMA fighter Jon Manley tells us how to eat like you're training for a prizefight. By Melissa Malamut | May 16, 2013 5:15 p.m.
Office Workers Go to Battle, MMA Style, in the Octagon The non-profit Office to Octagon puts people in the ring while raising money for a good cause. By Steve Annear | April 4, 2013 4:20 p.m.
Work Out Like: An MMA Champion New England MMA fighter Brett Oteri tells us how to train like a champion. By Melissa Malamut | March 18, 2013 3:40 p.m.


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Gnarly Adventurer
Joined: Sep 2005
Location: Spring Branch/Houston,Texas
Oddometer: 375
Oldie but a Goody
I recently picked up a "Garmin Street Pilot III" in pristine condition for a whooping $35.00 off ebay. I met with the guy and he was the original purchaser. He even showed me the original receipt for it. $750.00!!! I have owned one before but after loaning it to my Dad it came back non functional due to badly leaking batteries. Looks like Alien blood dripped inside it. Thanks Dad...Anyway, my plan is to remove my odo assembly(Xr650L) and mount it in it's place as I don't like the idea of electronics mounted high on the bars looking for a way to get torn off. I know an Inmate that used one of these on his ride to South America and back in all kinds of weather, so I trust the unit completely. So my question is has anyone else here done what I have in mind as to mounting their GSPIII or others as the main unit? If so post a pic, I'm looking for mounting ideas. Thanks... Dave
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- English
World Bank Announces First Country Partnership Strategy with the Federated States of Micronesia
June 6, 2014
WASHINGTON D.C., June 6, 2014 – The World Bank Group (WBG) has this week announced its first Country Partnership Strategy (CPS) with the Federated States of Micronesia for the period 2014 - 2017. The strategy integrates the country's own development objectives and focuses on key areas of engagement where the World Bank Group can support the Government and work with other partners to address the country's most important development needs.
"The World Bank Group is pleased to launch our first partnership strategy with the Federated States of Micronesia," said Franz Drees-Gross, World Bank Country Director for the Pacific Islands. "We are excited to be strengthening our engagement in Micronesia and are committed to supporting the Government's strategy for sustained growth, which is closely aligned with the World Bank Group's twin goals of ending extreme poverty and building shared prosperity."
The CPS aims to alleviate the two main causes of poverty and hardship in FSM – the lack of opportunities to earn income and inadequate access to services – by improving the environment for businesses and promoting improved service delivery.
The areas of engagement throughout the period of the Country Partnership Strategy in FSM include:
- Improving electricity supply and efficiency while setting the stage to increase the use of renewable energy,
- Enhancing telecommunications access and affordability,
- Increasing fishing revenue while managing fisheries sustainably,
- Strengthening the investment climate, and
- Improving the management of the impacts of climate change and natural hazards.
Extensive consultations were held during the preparation of the CPS over a period of 12 months. In addition to holding discussions with the national government, the WBG held consultations with the government in each of the four states and met with NGO representatives, development partners, the Secretariat of the Pacific Community (SPC), private sector representatives and other civil society groups such as the women's councils.
The first World Bank project to be implemented under the new CPS is the US$14.4 million Energy Sector Development project financed by a grant from the International Development Association (IDA), the arm of the World Bank Group that provides interest-free credits and grants to the world's poorest countries as well as many small island developing states. This project, which was just approved by the World Bank's Board on May 29, 2014 will increase the available power generation capacity and efficiency of the four state power utilities with the aim of making electricity supply more sustainable and affordable.
FSM is a federation of four semi-autonomous states (Chuuk, Kosrae, Pohnpei and Yap) and has a population of approximately 102,843 people. FSM's islands span 1.6 million square kilometers of ocean north of the equator that extends from Palau in the west to Kiribati in the east.
- In Sydney
- Kym Smithies
- firstname.lastname@example.com
- In Washington D.C.
- Diana Chung
- email@example.com
- Development Partners Support the Creation of Global Financing Facility to Advance Women's and Children's Health
- 73 Countries and Over 1,000 Businesses Speak Out in Support of a Price on Carbon
- World Bank Group to Nearly Double Funding in Ebola Crisis to $400 Million
- International Food Prices Hit Four-Year Low
- Speech by World Bank Group President Jim Yong Kim at Howard University: "Boosting Shared Prosperity"


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The Chinese catalpa thrives in Midwestern urban environments. It has showy blossoms that appear in the spring, followed by bean-like seed pods. This tree can withstand a range of soil types, including wet and dry conditions, which makes it useful in difficult sites such as moist low spots and dry sites with poor soils.
- Tree
- Non-native
- City parkway
- ,
- Wide median
- ,
- Residential and parks
- Shade
- ,
- Parkway/street
- Small tree (15-25 feet)
- ,
- Medium tree (25-40 feet)
- Full sun (6 hrs direct light daily)
- ,
- Partial sun/shade (4-6 hrs light daily)
- Zone 4
- ,
- Zone 5
- ,
- Zone 6
- ,
- Zone 7
- ,
- Zone 8
- Alkaline soil
- Moderately Tolerant
- Tolerant
- Moderately Tolerant
- Moderately Tolerant
- Tolerant
- Tolerant
- Messy fruit/plant parts
- ,
- Weak wood and branch structure
- ,
- May be difficult to find in nurseries
- Deciduous (seasonally loses leaves)
- Showy flowers
- ,
- Spring blossoms
- Mid spring
- ,
- Late spring
- White
- Spreading
- Yes
- Insect pollinators
Size and Form
30 to 40 feet high and 25 to 30 feet wide; irregular to rounded form
Tree & Plant Care
Easily grown in average, medium to wet, well-drained soils in full sun to part shade. Prefers moist fertile loams.
Tolerant of a wide range of soil conditions including both wet and dry soils.
Tolerant of seasonal flooding.
This tree can be messy when flowers and fruits fall; branches are brittle and may fall in storms.
Disease, pests and problems
Verticillium wilt and minor problems like leaf spots and powdery mildew.
Native geographic location and habitat
Native to China.
Bark color and texture
Bark of mature trees is fissured, prominently ridged and pale gray-brown.
Leaf or needle arrangement, size, shape, and texture
Simple leaves may be alternate or whorled.
Wide, ovate, light green leaves (to 10 inches long and wide) are usually entire but sometimes 3 to 5 lobed.
Leaves abruptly taper to points at the tips.
Foliage turns an undistinguished yellow in fall.
Flower arrangement, shape, and size
Flowers are attractive, but not as showy as southern catalpa (C. bignonioides ) and northern catalpa (C. speciosa).
Bell-shaped, yellowish-white flowers (each to 3/4 inch long) with purple and orange inner spotting; appear in clusters (panicles), to 10 inches long.
Fruit, cone, nut, and seed descriptions
Pod-like capsules, 8 to 12 inches long, filled with winged seeds; capsules much thinner than those of other catalpa species.


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Ever since Man na closed down in Brossard, I couldn't find any decent place to eat Korean food around Montreal. Many suggested Hwang Kum on Sherbrooke. I even checked online reviews and the ratings were good. That helps increasing my expectation!
I love the decor. Very homy and coffee-shop like. It's definitely a small restaurant. I would say more or less 20 seats available. Extra plus, their bathroom is very clean and has a personal touch.
Their food is pricy, I find. The amount they give you is not extremely generous. It's decent amount. I think their pricing is the most outrageous for their soups. Their soup is really like a size of a rice bowl and it includes a bowl or rice. They charge that like what….12$? The ingredients weren't even fancy either.
The only note-worthy dish in there was their seafood pancake. Definitely the best i've eaten. I would only go back for this….Other than that, no…not worth it.
The side dish was not spectacular. Very normal. It was good.
AH! The seafood pancake! Thick and crispy! Just perfectly cooked!
and then we started to nom nom nom…
Dukbokki! I wanted to try the real thing as it seems incredibly delicious on korean variety shows. Man, either the people were very good at acting or just the restaurant makes horrible ones….it's really not that good at all…The rice cake was a bit overcooked, therefore way too soggy…not chewy enough!
and we nom nom nom more….and i forgot to take the rest of the pictures…..lol
I'm so envious of people that have access to wonderful korean restaurant! Montreal really needs better ones!
Just need to tell you…I somehow found Korean restos in Montreal make slightly better food than in proper Korea…LOL because ppl in Korea are mostly vegetarian, and they don't make big portions nor much meat when you order BBQ!
I love brunches! Weekend it's all about waking up at 11pm. And by the time,...
This year marks the fifth year since I first tried Keg. Keg's reputation did not...
Indonesia cuisine is rare in Montreal. Mr.Butter has been eyeing on Nonya for quite a...


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Lot 6940 |
2005 March Palm Beach, FL Signature Sale #368
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Auction Ended On: | Mar 25, 2005 |
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186 page views |
Location: | Palm Beach, FL |
Conditionally Elusive 1839 Half Eagle, MS61 NGC
1839 $5 MS61 NGC. First year of the modified design by
Christian Gobrecht. While many first year type coins were saved at
the time of issue, there was almost no collector base in this
country in 1839 that collected each date and mintmark in a given
series. As a result, the survival of coins such as the 1839 Half
Eagle was more a matter of chance than design. This is a charming
example that has greater eye appeal than its grade would indicate.
The green-gold surfaces are lustrous and peppered with only slight
abrasions, and the striking details are uncommonly bold, save for
the peripheral stars on the obverse.From The Richard J. Chouinard Collection of United States Coins, Part Three.(#8191) (Registry values: P5) (NGC ID# 25S7, PCGS# 8191)
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Just got my Anthem 1 and am a little confused on setting up the Manitou S type rear shock.
Here's what the manual said:
Put 75 psi in the SPV (red) valve
Put enough Air in the main chamber(black) to achieve ¼ of the travel in sag
Then put in 30-70% of rider weight into the SPV valve(red)
I weigh 180 LBS
To get the right sag I put in 125 PSI in the main chamber(black)
Then I put in 130 psi(70% of 180) in the SPV valve(red)
This was a little soft, probably could use more in the main Chamber but pretty close.
Anyway, I get the February edition of MTN Bike Action last night and here is how they show setting up the shock in their review:
Body weight plus 10% to set the shocks spring pressure, they call this the "red" valve, which I thought was the SPV setting (Is this a typo?).
Then Pressurize the SPV chamber(the black Valve??? Another typo?) to adjust your pedaling platform to suit( they used 75 psi)
As you can see, if I went by MBA's settings I would be running 198 PSI in the red valve and somewhere around 100 psi in the black valve. This is way different than the way the manual has it. Any advice on whats the correct way?
Thanks in advance.
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SUPERSEDED (click for Active standard)
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Active (view current version of standard)
1. Scope
1.1 This specification covers carbon steel castings for general applications that require up to 70 ksi (485 MPa) minimum tensile strength.
Note 1—The grades covered by this specification represent materials that are suitable for assembly with other steel castings or wrought steel parts by fusion welding. It is not intended to imply that all these grades possess the same degree of weldability or that the same welding techniques can be used on all castings. It is the responsibility of the purchaser to establish for himself a suitable welding technique.
1.2 Several grades and two classes of steel castings are covered, as indicated below. The grade and class desired shall be specified by the purchaser.
2. Referenced Documents (purchase separately) The documents listed below are referenced within the subject standard but are not provided as part of the standard.
ASTM Standards
A370 Test Methods and Definitions for Mechanical Testing of Steel Products
A781/A781M Specification for Castings, Steel and Alloy, Common Requirements, for General Industrial Use
A957/A957M Specification for Investment Castings, Steel and Alloy, Common Requirements, for General Industrial Use
A1067/A1067M Specification for Test Coupons for Steel Castings
ICS Code
ICS Number Code 77.140.80 (Iron and steel castings)
UNSPSC Code
UNSPSC Code 31100000(Castings and casting assemblies)
ASTM International is a member of CrossRef.
Citation Format
ASTM A27 / A27M-10, Standard Specification for Steel Castings, Carbon, for General Application, ASTM International, West Conshohocken, PA, 2010, www.astm.org
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Freaking News
Funny Mister Pictures
Mitt Romney Mister Florida. Romney Wins Florida Primary
Member reactions:
This is funny as New Jersey , wonderful freaking work on this piece Hidden .....
HAHAHA, VERY FUNNY Wonderful expression great work done here
It's Hilarious desire to have it like in this image very well done with the lipstick mark and the crown
I like the way u put hairy look on chest.. its FREAKING Awesome .. :-*
Golden Congrats LunaC . . . Really creative on this, great chop all around well deserved gold .
Freaktastic satire. Congrats on the gold, Luna.
Funny Mister Jacques
Mister Jacques is all the rage now on Park Avenue (in a blue state, of course). And yes, Mister Jacques does do his own hair. PS: Le French are so weird.
Member reactions:
Well he shouldn't. Do his own hair . Nice idea.
Funny Mister Rogers
It's a beautiful day in this jihad, A beautiful day for a killing. Would you view full. Could you view full.
Member reactions:
Very GD.
Augh.. Mr. Rogers... that's disturbing...
Augh. Mr. Rogers. That's... very...disturbing... Augh. Double Post.. Even... more...disturbing...
Nice concept. Really changes my view of Mister Rogers. Nice Work.
Perhaps Mr. R is behind the single bullet theory. Hmmm
Hey. I represent that peekture. Eet iss veeri veeri insult to self-reespekting Jeehadists. Dont you no yet, vee use LEFT HAND for wiping butt. THE RIGHT HAND is for keeling. Meesta Rogeras should be knowing ziss. He teaches our Summer Camp for delinquent keeds needing Reform. They become good Jeehadists if we promise not to make zem watch Meesta Rogars again. Ahhh May the fleas of a thousand constipated camels infect uour infeedel armpits. As for me, I have enough, Thank You.
Funny Mister Madonna
For more funny photoshop pix visit
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Or continue shopping
Looking for Organic, Raw, Sugar-free or Gluten-free?
This classic candy is always a favorite. Peanut butter covered in a candy shell.
Our Macaroon Crunch is a delicious blend of ground coconut, nuts, caramelized sugar and flavors. Perfect for being mixed into ice cream, yogurt, cereals, cake batters, cookies, or used as toppings.


text:
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text:
Home > Food > Recipes > Citrus Zabaglione
Citrus Zabaglione
This hot dessert is a refreshing way to end a meal
Prep Time: prep 15 mins
Cooking Time: cook 5 mins
Serves: makes 4 servings
- 2 pink grapefruit
- 2 grapefruit
- 2 oranges
- 1 large egg, plus 2 egg yolks
- scant 1 / 2 cup Marsala
- 1 / 3 cup plus 1 tbsp sugar
- Position a broiler rack 6in (15cm) from the source of heat and preheat the broiler. Segment the grapefruit and oranges. Divide the citrus segments among 4 individual flameproof serving dishes.
- Beat the egg and egg yolks together in a heatproof bowl until just beginning to foam. Beat in the Marsala and sugar.
- Place the bowl over a saucepan of simmering water. Beat with an electric mixer for about 4 minutes, or until the zabaglione is very thick, fluffy, and warm. Spoon over the fruit. Grill for about 1 minute, or until the topping is golden. Serve immediately.
- prep 15 mins; cook 5 mins
excerpted from:
Excerpted from The Illustrated Kitchen Bible.
Copyright © 2008 Dorling Kindersley Limited.
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Where do you buy your rings?
Monday, August 22, 2011
A few new rings from F21!
It's really no secret by now that I love stalking the Forever 21 website for the new arrivals. Forever 21 is probably my favorite place for inexpensive accessories. I've been recently wanting to expand my ring collection, so I've been really keeping my eyes out for cute rings.
Here are the few I ordered..
Sparkling Love Ring $3.80
Skeleton Key Ring $3.80
Pyramid Stud Ring $3.80
Stretchy Knuckle Ring $3.80 (no longer available on website)
It's not always the easiest thing to place an order online if you haven't seen the item in person. If I was shopping in-store, I probably wouldn't have purchased the "Sparkling Love Ring" or "Stretchy Knuckle Ring". The "Love" ring has already tarnished (haven't even worn it yet) and has a greenish tinge to it. I'm 100% sure my finger will turn green if I wear it once. It also looks a little cheap. The reason I purchased the knuckle ring was because I don't own a gold one, and it was a good price. Although I do like it, it looks extremely cheap and is on the road of tarnishing.
The two rings I'm the happiest with are the "Skeleton Key Ring" and the "Pyramid Stud Ring". I think the pyramid ring is so cute and so simple and great for every day.
Where do you buy your rings?
11 comments:
the love ring and interlocking circles are my faves! i loooooove f21 for accessories, get some of my fave jewelry and headbands there :D
Vonnie of Socialitedreams.com
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Avery loves to wash cars. I don't know why, but she does. Especially my car. I think she has her eye on it — making her plans on when she gets her license one day!
Check out our cubby system in the garage — once upon a time they used to be neat and organized. Now everyone just throws their stuff in there. It's a mess. Oh well.
Aislynn and Andrew… with A.J, Alex and Avery in the background.
Free child labor – you can't beat it! LOL
Now if I could just convince my kids that it's "fun" to clean the house!
Logan loves to vacuum….not much actually gets picked up though.


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Carnival Valor Cruise Review by Janice : Carnival Valor - Western Caribbean
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Carnival Valor - Western Caribbean
Overall our experience with Carnival was good and we enjoyed our week on the Valor. The stateroom, though an inside room about midship, was the largest we've had. There was plenty of space for clothes and the beds were tall enough that our luggage fit neatly underneath.
The buffet food was the usual, which isn't spectacular. But the restaurant food was excellent. We were in the Washington Restaurant for dinners, early seating, and the staff were as pleasant and efficient as ever. The gourmet food was to die for and every dinner was the difficult choice of how to choose from so many great options.
The Las Vegas style reviews in the Ivanhoe Lounge were terrific, especially the '80s show. The comedians were truly funny. The music groups that played in the other lounges were excellent. Our favorites were Music Zone, a Filipino band that has such a wide range in their repertoire it's astounding. They can play anything from the '50s and '60s, most music from the '70s, More
the top names from the '80s, etc. They moved smoothly between Eric Clapton and Frank Sinatra. And watch them pull out the stops on the likes of the Eagles and ZZ Top. Absolutely amazing. They may not look like the bands whose music they're playing, but they've got the sound down pat. We visited 4 ports - Grand Cayman, Roatan Island Honduras, Belize City Belize and Costa Maya Mexico. Excellent choices every one of them. We snorkeled in Grand Cayman, went on a dolphin encounter and beach party on Roatan, did cave tubing and the rainforest in Belize and toured Chacchoben from Costa Maya. Every excursion was well organized and well designed. Safety was always top most in the guides' minds and we always felt we were in good hands. We are adventurous so our excursions left little time for sight seeing or shopping, but we certainly got our money's worth in each port.
Then it came time to say good-bye and everything fell apart. We attended the lecture on debarkation in the Ivanhoe Lounge. We had a flight to catch in Miami at 12:10pm the next day. The cruise director made it clear that if you had a flight before noon to go to the Eagle's Lounge and show proof of the flight and the time and you would get off earlier. If your plane left 10 minutes later from Miami or an hour later from Ft. Lauderdale, you were encouraged to contact the Purser's Desk for a tag upgrade. When we got back to the room, my husband called the Purser's Desk and was assured we would have no trouble making our flight. The next day we waited for our tag color to be called in the Ivanhoe Lounge like we were supposed to. For one, they didn't start calling out the tag colors until nearly 9:30am. Then there were at least 15-20 minutes between colors (and they were grouped by twos, each color representing a deck of the ship). There was a long delay of 30-45 minutes which we later understood was due to someone falling down the stairs in the terminal and the debarkation process being halted until an ambulance could arrive. Our tag wasn't called until 10:30am, however, we were hopeful that if the Immigration and Customs processes went smoothly we would still be to the Miami airport in time to make our flight.
No such luck!! We waited in that line for 1 1/2 hours. The line of people debarking ran through the terminal and snaked Disney fashion through the building. At one point we were told it was just another 10 minutes to the Immigration desk from where we were standing. We looked at our watches and checked the time; 30 minutes later we finally spoke for 2 seconds with an Immigration official who checked our passports and waved us through. We made it to the airport by 12:40pm.
Now, even if they had not had that accident, we still would not have made it to the airport in time for our flight. We would still have been clearing airport security when our plane was taking off. Not only did the Purser's Desk figure wrong, but the entire process of getting people off that ship was snail-like in its slowness and unacceptable. There were older people standing in line who were getting exhausted, people fainted, got sick from being overheated and others whose ankles and feet swelled and who had to be taken away in wheelchairs. That is not how you deal with people.
To make matters worse, we rode back home with a couple who had been on an even bigger Royal Caribbean ship and they spent a whole of 15-20 minutes debarking. It would seem to me that if Royal Caribbean can move 5,000 people off the ship in 15-20 minute increments, there is absolutely no excuse for the lines of 3,000 people debarking the Carnival Valor to take 1 1/2 hours to process. My husband and I may have enjoyed the onboard experience, but we consider everything as part of the cruise and are now actively seeking other cruise lines to sail with. Less
Published 01/14/06
Read more Carnival Valor cruise reviews >>
Read Cruise Critic's Carnival Valor Review >>
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Publisher's Description
Welcome to the world of Legend of Zelda. Our brave hero, link, a little elf will defend beautiful princess Zelda and her kingdom. Evil ghost sarcophagus comes to their planet and wants to disrupt their peace and harmony. Enter the world of this colorful logical game here everything is possible. Over 100 levels to complete, enormous world map, secrets, and atmospheric music.
What's new in this version:
New installer.


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Rana vishwa Pratap Singh (Dilip Kumar) is a humanist at heart. Tough a jailer, he believes in the reformation of prisoners, not in their punishment. When Dr. Dang (Anupam Kher in an electrifying perfomance), a terriorist leader escapes from Pratap singh's jail, setting it ablaze and killing 480 prisoners in the process, Rana Vishwa pratap singh sets out on a secret mission. He picks up three death row inmates (Anil Kapoor, Jackie shroff and Naseeruddin Shah) trains them and sets out to Dr. ...
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Status: Released
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Authorities find horses dead near Sebeka
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About a dozen horses were found alive by the Wadena County Sheriff's Office, but a few more were found dead on the property, apparently from not being fed.
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Michael d'Estries
Pop-culture expert writes about entertainment, arts — and the occasional zombie.
Sandra Bullock wants you to help the Gulf
Actress joins other celebrities in urging support for Gulf cleanup operations.
Thu, Jul 22, 2010 at 02:34 PM
It has taken some time, but celebrities are finally getting behind several new campaigns to keep public attention focused on the disaster in the Gulf and those suffering in its wake.
Sandra Bullock, who hasn't been seen much since her very public divorce from Jesse James, is one of several celebs fronting a new PSA by RestoreTheGulf.com The goal of the campaign is to get people to sign a petition asking the government to act and clean up the Gulf.
"What can you offer?" the 45-year-old actress asks in the PSA, standing along the coast. "Your voice. Speak up."
Joining Bullock are stars such as Peyton Manning, chef Emeril Lagasse, and musicians Dave Matthews and Lenny Kravitz.
Jump here to visit the official site and "be the one".
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Happy Valentine's Day everyone! Here's a great love story. It's Michelle and Barack Obama discussing their relationship thirteen years ago, back in 1996, when they were just starting out together and did not have children yet, let alone the idea that they might be living together in the White House someday. |
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Bingo! I've never seen any evidence linking a fuel's brand to quality differences from any other brand in any country I've visited in the developed world. There may be issues with equipment at the stations -- although they too are heavily regulated -- but the taxation, distribution and production systems are such that it's tough to distinguish between fuels in a meaningful way.
I shop by price usually, or convenience (either location or the quality of the coffee at the station). The coffee varies more than the fuel.


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There was a time when Baltimore was just about the happiest place on Earth for the Red Sox.
CLEVELAND When the Red Sox season is over and every last statistic has been recorded, parsed and analyzed in the big book of MLB numbers, most may remember Sundays wipeout 14-1 win over the Indian
On Tuesday night, Jon Lester was awful and the Red Sox offense was lacking in a 7-5 loss to Chicago.
It's not every day that we have reason to be positive about the Red Sox.


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The Bedford Museum and Genealogical Library celebrates Confederate History Month with a series of stories about Bedford County locations that played a role in the War Between the States.
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Tabs too difficult? Try these video lessons and learn fast
Verse: C Sitting through the memories C Of the times you were with me Am Now they seem so very long ago Dm G All the good and bad C Fm7 All the happy and sad Dm G Made me who I am C Never took for granted C That you'd be with me forever Am I was always hoping F That somehow you'd stay Dn G Written in the stars in the C F Heavens above Dm F Dm G I would send my prayers but Chorus C When you walked away Em F Something deep inside of me sees Dm F I'm Heartbroken Interlude: Am-G-Am-F-G Verse: C Everyday's a mystery C Wondering if love will find me Am F Will I ever open my heart again Dm G Will the pain subside C Fm7 Disappear in the night Dm F G Bringing hope in the time 'cause (repeat chorus 2x) Chorus 2x
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All of our flight inclusive holidays are financially protected through ATOL bonding for your protection. We are also a member of ABTA.
We have a team of Caribbean experts who are ready to help you with your holiday.
On the surface the twin islands of Trinidad and Tobago couldn't be more different. Trinidad, a vibrant and industrial country is also the home of calypso and the steel drum. Not to mention probably the world's best carnival held annually in February. Tobago is a sleepy island whose beaches and scenery have been attracting tourists from Western Europe looking for a luxury Caribbean holiday, for just a few short years and is an ideal destination for a beach holiday.
Trinidad is covered by dense rain forest, which is home to a wide variety of birds including the scarlet Ibis which returns home every evening to its home the Caroni Rain Forest. For anyone with even the slightest interest in ornithology or looking for a Caribbean wildlife holiday, a visit to Trindad on the way through to the beaches of Tobago is a must.
In Tobago, north of the capital Scarborough are the highlands which are covered in rainforest. Take a drive to Speyside and Charlotteville, villages where time seems to have stood still. If you do you'll have to pass through the hills and valleys of the highlands witnessing some of the most spectacular scenery in the Caribbean.


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Continued outlet mall traffic worries
To Shelby County Road department, our magistrate, KY Hwy district 5 and Simpsonville government,
This is my second letter concerning the outlet mall traffic; someone is going to be injured over this bad planning.
Fire department says thanks
The Shelby County Fire Department would like to thank everyone in Shelby County who gave to the 2014 WHAS Crusade for Children. This is a time of year that our firefighters look forward to because we believe so strongly in this cause. Many volunteers join the firefighters in collecting donations, including the Shelby County Ladies Auxiliary, SCFD Junior Firefighters, friends and family of the firefighters and various community organizations.
Questions redistricting choices
Each year in late August, the Shelby County Public Schools (SCPS) Board of Education produces "The Tax Show." This year, the Board has added a new production to its theatrical repertoire, and, on June 26th, I attended what might best be described as the dress rehearsal for "Redistricting, Mathis Style."
Last week The Sentinel-News caught up with Shelby County native Marissa Raisor as she continues her whirlwind trip at Miss Hooters International.
Our story focused on her recent trip to Thailand to help open a new restaurant and her bit part in the Adam Sandler and Drew Barrymore movie "Blended" but the one thing that stuck out most to us was Raisor's commitment to continuing her education.
"I just finished the semester, so I only have a year left," she said.
In support of prayer at public meetings
Ms. Allewalt [My Word, "For the benefit and blessing of the council – Musings on the Prayer Issue," The Sentinel-News, May 28, 2014] it seems, never experienced a public prayer she liked in public meetings or governmental service meetings.
A new look at politicians
Marriage equality not for Gov. to decide
In my opinion, Governor Steve Beshear has no business pursuing the Same Sex Marriage appeal. It is a personal issue that does not concern or affect anyone except those choosing to be married.
I'm glad he did not choose my partner in life. My question to you is "would you want someone else to choose yours"?
Bible disputes need for Fairness Ordinance
I would like to reply to an article in last week's edition by Rev. Fred Moffatt. Let me try to address each point individually.
Live up to the Constitution
The drug cartels are laughing at us as we keep drugs illegal to insure their profits stay high to fuel our enemies in our own hemisphere toward the destruction of our own country. Usually by our own police and greedy officials who are rapidly destroying our U.S. Constitution with compete impunity.
Questioning the courts
Even though I don't write to the editor often, I am now because I have a concern with our judicial system in Shelby County. Attorneys from other counties have even told me that this court system is a lot like Mayberry.
I am 100 percent in favor of "you do the crime, you do the time," but don't you think the same crime should carry the same sentence?


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Tom Binns Spring 2012
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Tom Binns Spring 2012
>> Colorful, hand-painted pearls and baguettes are back for Tom Binns's Spring 2012 collection, mixed amongst sparkly Swarovski crystals and safety pins. Cameos get a neon dip-dye treatment and crystal collar necklaces are emblazoned with the words "Punk" or "Rich B*tch." Click through to preview the collection, currently available for preorder on Moda Operandi.
Link Love
- Bags were selling for under $200 all because of a site glitch! — Who What Wear
- Lately, Beyoncé's been all about the swimsuit selfie — Lucky
- These old-school J.Crew photos will shock you — HuffPost Style
- Want to design shoes as cool as Kate Bosworth's? Read this — InStyle
- Why running and fashion go hand in hand — Racked
- Wash your jeans so you can keep them forever — SheFinds
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Betsy Russell, Boise reporter for the Spokesman-Review in Spokane, has been named the recipient of the 2010 Max Dalton Open Government Award sponsored by the Idaho Newspaper Foundation.
Russell earned the award and accompanying cash prize of $1,000 for her years of work advancing the cause of open government in Idaho through her work with a variety of press, citizen and court groups.
The Max Dalton Open Government Award has been given each year since 1999 to a citizen or group judged to be an outspoken advocate of openness in either public records or public meetings on the state or local level.
Russell has been president of the Idaho Press Club on and off since 1997 and chair of Idahoans for Openness in Government (IDOG) since its founding in 2004. She also serves on the Idaho Supreme Court's Media/Courts Committee.
Through the Idaho Press Club, Russell has worked to defeat attempts in the Idaho Legislature to weaken the state's open meetings and public records laws and has worked with the Idaho Attorney General's Office and legislators to try and strengthen those laws.
Through IDOG, she encouraged Idaho Attorney General Lawrence Wasden to conduct a continuing series of open-government seminars for local government officials and employees around the state, with Wasden himself presiding.
Her work with the Supreme Court committee has helped improve relations between the courts and the press and encourage improved access by journalists to court proceedings and records.
"Betsy is one of those rare reporters who has the courage to put down her notebook and pen and stand up for the rights of journalists and the public to have full access to the government, whether it is in the meeting room or the clerk's office," said INF Executive Director Tom Grote, who is also publisher of The Star-News in McCall.
"Our selection committee previously had been reluctant to present the Max Dalton Open Government Award to journalists, thinking advocating open government was 'part of their job,' " Grote said. "But Betsy has risen above that definition and has truly become an advocate for all citizens as well as one of the state's most respected reporters."
Other nominees for the 2010 award were:
© Copyright 2014 Idaho Newspaper Foundation


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After Love Me Tonight, Jeanette MacDonald left for Europe
and returned with an M-G-M contract. I Married an Angel was the studios choice for the sopranos first Metro film. Choose again, said the censors. They would not approve a script about an angel losing her wings to a mortal. So The Cat and the Fiddle, with songs from the Kern-Harbaugh stage musical comedy largely intact, became the debut of Leos newest star (I Married an Angel resurfaced in 1942 as the last of the famed MacDonald-Eddy films). Ironically, the new films storyline did not offend the censors: MacDonald and Ramon Navarro portray struggling composers and live-in companions. Her The Night Was Made for Love becomes a huge hit
but his career flounders. To escape the hubbub surrounding her, he packs up his suitcase and wounded pride and departs. But when the debut of his operetta is threatened, MacDonald shows up to save the show and rekindle their love. The film shifts to Technicolor® for the triumphant finale a fitting end to a production thats witty and colorful throughout.
Additional Details
- DirectorWilliam K. Howard
- Primary CastRamon Novarro Jeanette Macdonald Frank Morgan More
- GenreMusical
- Release Date1934


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~ Earth has no sorrow that Heaven can't heal ~
Funeral services for the late Lakendra Nicole Brown will be held on Saturday, April 20, 2013 at 11:00 a. m. at Freedonia Missionary Baptist Church in Helena-West Helena, AR.
Visitation will be held on Friday, April 19, 2013 from 12:00 - 6:00 p.m. at Stephens Funeral Home Chapel.
Elder Robert Buckingham will officiate.
Internment will be held at New Zion Cemetery.
Lakendra Nicole Brown was born on October 21, 1988 to Larry Brown and Carolyn Brown Givens in Helena, Arkansas.
She confessed a hope in Christ at an early age at the Freedonia M.B. Church under the leadership of Rev. J.W. Frierson. As a young girl she sang in the choir and was a faithful member until moving to Memphis, TN.
Lakendra enjoyed doing hair and she attended Rust College in Holly Spring, Mississippi. She was a 2007 Graduate of Hillcrest High School in Memphis, TN. She was employed at the Dodge Store in Memphis and Helen Troy in South Haven, Mississippi. Lakendra departed this life on Sunday, April 14, 2013.
She is preceded in death by her grandmother Louise Richardson and great grandmother Elnora King. She leaves to cherish her memories:
She is preceded in death by her grandmother Louise Richardson and great grandmother Elnora King. She leaves to cherish her memories:
Her mother Carolyn Brown (Leon) Givens of Memphis, TN, her father Larry (Mae Bailey) Brown of Memphis, TN. (3) sisters LaToya and Tiffany Brown of Memphis, TN, and Stephanie Brown of Jonesboro, AR; (2) brothers Kenyatta Devon Brown of Memphis, TN and Larry Brown Jr., of Russellville, AR; a grandmother Artelia Brown of West Helena, AR; her grandfather James Richardson and J.T. Brown of Helena-West Helena, AR; A special niece Taniyah Douglas of Memphis TN; and a host of aunts, uncles, cousins, and friends who will miss her dearly.


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Hi, Dave- I think there may have been a misunderstanding. David Hyatt wrote: > > I strongly disagree with placing <canvas> in a separate specification. Even if it's just the graphics APIs? >> Except that it's totally unsuited to definition in HTML. > > That's your opinion. I think <canvas> is extremely well-suited for > inclusion in HTML. Sure, we're both stating our opinions. To be clear, though, I have no problem with the 'canvas' element being added to the spec. I just don't like the idea of defining the graphics APIs there. >> Why would I want to delay Canvas? My stated goal was to speed it up. >> The only war I'm waging here is against proprietary standards that >> are eating up the Web, and are moving at market speed. > > Many of these "proprietary standards" have been invented to meet > customer needs. This is especially true of vendors who use Web > technology in desktop applications and not just in Web browsers. Yes, and I think that's a good thing. It's when they are locked into a single vendor that it causes problems. The "proprietary standards" I'm fighting against here are Flash, Apollo, WPF/E, licensed video formats, etc... not Canvas, which Apple seems to be bringing to a standards body in good faith. The way in which I'm hoping to fight them is by seeing things like Canvas (and SVG) move forward rapidly so they are made available to developers, as an alternative to vendor-specific solutions. > If an application needs a certain capability, we at Apple can't just > say "Sorry, you just can't use Web technology to do that because the > W3C hasn't gotten around to specifying it." The current state of the > technology can't be allowed to dictate what kind of apps you can > construct, or all you're doing is limiting your creativity and your > ability to produce top-notch applications. > > Browser vendors are always going to innovate. The key is to take > those innovations and fold them back into future specifications where > it makes sense to do so. I couldn't agree more. > In the case of <canvas>, there is clear > interest among multiple browser vendors in this technology. The HTML > WG should just endorse it largely as is. since three nearly > interoperable implementations have already shipped. Makes sense to me. >> The HTML NS alternative is a possibility. I think that licensing >> agreements only apply to particular technologies, though; that is, >> just because Company A grants royalty-free rights to Technology 1 for >> implementations within the scope of Specification Foo, those rights >> don't necessarily confer to Specification Bar. I could be wrong >> here, but that's my understanding. > > We can't significantly change <canvas> at this point because of > backwards compatibility (both in Dashboard, in WebKit applications and > in remote content). Understood. I'm not suggesting, in any way, that it be changed, and I'm not sure why you think I am. Decoupling the element from the graphics APIs wouldn't be a significant change, unless I'm misunderstanding something. And the licensing issue of where it's published (whether in HTML or as a separate spec) wouldn't require any changes to the technology. Just because I'm an SVG guy, please don't think I'm opposed to other (Web graphics) technologies. Regards- -Doug Research and Standards Engineer 6th Sense Analytics www.6thsenseanalytics.com mobile: 919.824.5482Received on Monday, 9 April 2007 19:32:32 UTC
This archive was generated by hypermail 2.3.1 : Wednesday, 7 January 2015 16:25:03 UTC


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TumbleBook of the Day Don't know what to read now? If you're interested in a random, electronic, and FREE format, take a look at our new TumbleBook of the Day widget. You can find it on our Kids' Book Recommendations page. This widget updates DAILY and allows you online access to each title for that day only. If you need an immediate read, check it out! Remember, the book does change each day, so you can always check back tomorrow if you're not interested in the current title. Read more about TumbleBook of the DayDanielle's blog
Learning Props Looking for a fun way to learn basic concepts or words? Try out our new Learning Props game sets and books! Read more about Learning PropsDanielle's blog
Read Around the World: Antarctica It's starting to get a little warm... I think I'll cool down by going for a This month, let's travel to Antarctica. It's the coolest place I know! Read more about Read Around the World: AntarcticaDanielle's blog


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21590 Greenfield Rd Ste 108, Oak Park, MI 48237
Phone: (248) 968-3607
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text: Sanam Baloch's First Screen Appearance After Marriage in Her Sister's Sabreen Hisbani Show.The News of Abdullah & Sanam's Weddings has got much buzz from the media. Now this time they both appear on screen at one. We know that they got married well it was a shocking news for fans when Sanam got suddenly marriage as she had not mention or decided for it ever before but by doing so. Both Sanam & abdullah Appeared in the show of Sanam's Sister Sabreen Hisbani's Show on Sama Tv. Sanam's Famiy was also their on the show. Sanam siad that she consider himself a worthy & lucky person when she takes herself as Abdullah's wife. She Said that on the occasion of Moun Dikhai her Husband offered her Quran which was the best gift she will ever ask for to him. While Abdullah Said Sanam is more closer than him when it comes to Abdullah's family which is good for him. The couple looked happy when they appear on the show. Well all we can say is that we wish both of you a happy married couple. May Allah's Blessing may bless on you the whole life. For more Detail Check out the Video. Read More »


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A condominium, or condo, is a type of housing wherein a very specific part of a larger property — almost always an apartment within a complex — is privately owned by the homeowner, while all other connecting areas of the complex are communally owned by all condo residents. Townhouses, or townhomes, are individual houses that are placed side-by-side, where one or two walls of each house are shared between adjacent homes. Condos generally have higher HOA fees and are smaller, while townhouses have lower HOA fees are built with more square footage. Both types of housing are found more frequently in urban areas.
Comparison chart
Contents: Condo vs Townhouse
edit Structure
The most common configuration of a condo is that of an apartment within a complex. What makes an apartment a condo is the fact that someone can own the interior space of that apartment and jointly-own the spaces outside of it (e.g., halls, exercise rooms, parking lots or garages, pools, the building's roof). Sometimes an independent office within a multi-unit complex is also called a condo, but this is less common.
A townhouse is not an apartment, but a house built within a row of connected houses. Most townhouses are built more narrowly than traditional detached homes and are usually two- to three-stories tall. Depending on where it is in the row, a townhouse shares one or two walls with the other homes. Most have a small backyard and frontyard. With their connected walls, townhouses share some characteristics with duplexes and triplexes.
edit Common Areas
In a complex of condos, homeowners communally own common areas and all exteriors. These areas are kept clean and in good condition with the money brought in by HOA fees. Even the roof of the complex is communally owned.
Townhouses usually have fewer common areas. Though townhouses share one or two walls, they are considered individual and independent homes, usually with individual yards (that may be fenced) and carports/garages. Very little is jointly owned. However, in some cases townhouses may be part of a larger neighborhood which has a communal area, such as a small playground, pool, or park.
edit Land Ownership
No land is owned in a condo. Instead, it is the space inside the apartment that is owned. In contrast, those who own a townhouse actually own the land their home is built on. Both condo owners and townhouse owners must pay property taxes.
edit Homeowner Association (HOA)
A homeowner association (HOA) — sometimes called a condo association — is a corporate body with an elected executive board that manages and maintains standards and amenities within a complex or neighborhood. HOAs take in monthly or annual fees and have community meetings where homeowners they cover attend and make decisions regarding the complex or neighborhood.
Some HOAs are small, have low monthly or annual fees, and relatively little power and few restrictions. Others HOAs are large, have high fees, and maintain a multitude of rules, issues, and features both big and small. When a person buys a home that is covered by an HOA, he or she has no right to reject membership. Membership is required, as are the associated HOA dues.
edit HOA Fees
Condos almost always have higher HOA fees than townhouses do. This is because condos have more shared spaces and often some unique amenities, such as an exercise room or rooftop barbecue, which require more money to cover. Water, cable or DSL internet, some insurance coverage, and other services or utilities may also be included in a condo's monthly HOA fees. Townhouses often have HOA fees as well, but they are usually much lower and often only cover a small set of services, such as waste service and lawn care.
edit Maintenance Under an HOA
Condo associations generally cover many more maintenance issues than townhouse HOAs do. While much depends on the fee structure and size of the HOA, good condo HOAs handle maintenance in many of the same ways that large rental apartment management companies do: by fixing problems within a condo (e.g., a leaky faucet) and by maintaining common areas and exteriors. For example, grounds are maintained by gardeners and roofing is replaced as needed by professionals, all paid for with money taken in and held by the HOA.
Townhouses often require a lot more self-maintenance or the private hiring of professionals to fix problems that eventually arise. A townhouse may or may not have an HOA at all, and those that do are less likely to cover grounds upkeep or even major maintenance concerns, like roof replacement. However, there are exceptions to this, so asking after what a townhouse's HOA covers is paramount.
edit HOA Rules and Regulations
Before purchasing a condo or townhouse, potential buyers should ask for a copy of the HOA's meeting minutes, financial statements, and rules and regulations, the latter of which are often known as CC&Rs (covenants, conditions, and restrictions), but can go by a variety of names. Depending on the HOA, these documents can make for a lengthy read — up to 50 pages, all together — but they are important. They tell buyers how restrictive life may or may not be under the HOA, how financially sound the managing body is, and how often (and by how much) HOA fees have increased over time.
There is no set standard for HOA rules.[1] Every board votes on issues and guidelines for individual communities. However, there are some common rules and regulations among most HOAs. They include the following:
- Common area rules: hours common areas are open, rights and restrictions regarding using them
- Pet restrictions: whether pets are allowed, what animal species are allowed, breed restrictions, weight limits, how many pets can live in a single unit
- Trash/recycling rules: how, when, and where to place trash and recycling
- Decoration restrictions: whether signage, Christmas lights, etc. are allowed in windows or on lawns
- Grounds restrictions: Townhouse owners may be restricted from drastically (or even slightly) changing the landscaping of their front yards. They may also be restricted from changing paint colors, mailbox styles, etc.
edit Safety and Privacy
The safety and privacy of a condo or townhome depends on the structure. Some condos are very secure, offering advanced security features, such as electronic door lock systems and video surveillance in common areas; other condos are not developed with top security in mind. Townhouses come with many of the same security features (and issues) that a traditional detached home does. Of course, most safety depends on the location.
Condos do have one safety concern that townhouses do not — at least not to the same extent. Condos, like any home, can be bought, rented out, or resold, meaning good and bad neighbors come and go. Having bad neighbors is a concern that exists with any close-quartered apartment living; the difference is that a condo is a more serious investment that is harder to get out of if the quality of one's neighbors declines.
In terms of privacy, condos and townhouses may or may not seem private. For those easily bothered by noise, it is wise to ask about how thick the shared walls are and to even talk to neighbors before purchasing a condo or townhouse. Some infrequent noise (e.g., an occasional party) is to be expected, but everyday movement should not be easily heard in a condo or townhouse that is built well.
edit Pros and Cons
For those who enjoy city living, a condo or townhouse can be a good fit, especially for first-time homebuyers. Not having to worry about exterior work, like gardening or landscaping, or roof replacement, makes condos ideal for some, and having access to certain amenities is a bonus for many. Similarly, having a small yard in which to sit or garden in is a townhouse selling point for those who want some features of a traditional detached home but still want a more urban living experience.
There are potential drawbacks with condo and townhouse living, however. Condos and townhouses can be expensive to own — especially condos — and depending on how an individual HOA functions, they may or may not feel as though they are worth the money spent. Some also find the restrictive nature of an HOA frustrating, wishing instead that they could do more of what they would like without having to consult neighbors (in which case a detached home that isn't connected to an HOA is the best solution).
edit Legal Status
In the U.S. and most of Canada, condominiums are governed by specific federal and local laws.[2] Townhouses, however, are often governed by the same laws that apply to detached homes (a.k.a., single family homes).
edit Cost
As with all real estate costs, location determines the greatest portion of a condo or townhouse's value, but there are many expenses to consider. HOA fees and what they cover should be taken into account, as should property taxes, any and all insurance expenses, and (especially in the case of a townhouse) home inspection costs. The mortgage interest rates for buying a condo are also usually higher than those for buying a townhouse or detached home; making a down payment of 25%, rather than 20%, can help mitigate this, but it's a high upfront cost.
Evaluating HOAs takes effort. It is very important not to assume anything about a particular HOA until all of its documents have been read, as this is one area where a homeowner can save a lot of money. Fees, be they high or low, are not a consistently clear indicator of whether an HOA is good or not. Some condos and townhouses might have low HOA fees that ultimately mean few services are offered or, worse, the services offered are no good, making monthly or annual fees wasteful expenses. Other condos and townhouses might have high fees that cover many services and amenities and ultimately save money as the HOA may have special deals with local service providers.
edit Resale Value
If HOA fees are significantly higher than those found in similar places nearby, or if a condo complex has more renters than owners, reselling a condo may be difficult. Moreover, condos appreciate more slowly than townhouses or detached homes that are more suitable for families, so it may be some years before a condo gives a good return on investment — if it ever does. Thoroughly research the local housing market before buying a condo or townhouse to rent out or resell.


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If you need immediate assistance, call 877-SSRNHelp (877 777 6435) in the United States, or +1 585 442 8170 outside of the United States, 8:30AM to 6:00PM U.S. Eastern, Monday - Friday.
Financial System Architecture, Bank Evolution, Capital Market Evolution
Executive Compensation, Vesting, Duration, Managerial Myopia, Corporate Governance
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executive compensation, vesting, duration, managerial myopia, corporate governance
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Blockholder exit, Blockholder voice, Career concerns, Investment myopia
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