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Fox Sports "Manchester City have confirmed the signing of Spain striker Alvaro Negredo from La Liga outfit Sevilla for a fee reported to be £20million. The Spain international, who scored 25 goals in La Liga last season, is City's third summer signing, and their second from Sevilla, following the arrival..." July 19
Daily Star "The Spanish side are fighting desperately to keep their star players after failing to secure European football for this season. The club is hoping to hold out and cash in on the 27-year-old before letting him leave for the Premier League. New reports in Spain suggest The Citizens put in a..." July 16
Goal.com "Unai Emery believes the sale of his star striker to Manuel Pellegrini's side could be the best option for all parties, as speculation over a move continues to mount Sevilla coach Unai Emery believes the sale of Alvaro Negredo to Manchester City would be the best result for both clubs. On..." July 13
The Express "The Citizens have stepped up their chase for the 27-year-old in recent days as they seek a long-term replacement for Carlos Tevez. New City boss Manuel Pellegrini hinted today the club are looking to buy another striker or two in the transfer window. And it seems the citizens will have been..." July 11
Daily Mail "Alvaro Negredo is expected to complete his £20million move to Manchester City this week. The 27-year-old Sevilla striker was on the verge of joining Atletico Madrid but the prospect of playing for Manuel Pellegrini at City is said to have convinced Negredo to make the switch to the Premier..." July 06
talkSport "Sevilla president Jose Maria del Nido has insisted that neither Manchester City nor Tottenham have made a bid for striker Alvaro Negredo. It has been reported that Del Nido held talks with City chief executive Ferran Soriano on Wednesday, but today he stressed he would not negotiate a cut-price..." July 04
Goal.com "The Spain striker has requested a move to a bigger club with the hope of developing his career in the Champions League. Alvaro Negredo says he wants to develop by playing in the Champions League and has asked club president Jose Maria del Nido for a move away from Sevilla. The striker, who..." June 25


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Bright Eyes Portrait Studio
0  Reviews
Bradley, IL 60915 Claim Your Listing
We are Laura Lind & Aimee Long, two talented, creative & artistic photographers with over 17 years combined experience. We specialize in children, weddings, specialty portraits & more. We are highly trained in all levels of photography & enjoy giving families a memory that they can treasure forever. Both of us brings with us a different style of portraiture and we can hardly wait to share these styles with you. Our studio will provide you with excellent service, creative & special portraits, with patient & caring photographers. Having opened Bright Eyes in September 2007 we are now living our dream & we would like to invite you & your family to come and be a part of this journey with us.
Phone Numbers
- main:
(815) 936-9955
- Photography, childrens portraits, specialty portraits, wedding photos
Year Established
- 2007
0.2 Miles
200 N Washington Ave Ste 8, Bradley, IL 60915
3.1 Miles
2293 W 3100n Rd, Bourbonnais, IL 60914
0.3 Miles
Serving Bradley, IL

subset: commoncrawl


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Hey everyone, to help you get ready for spring the Platinum Lounge is having a great sale of stuff to get you styled! Right now all Label M products are 15% off! And the Big savers need to check this out: All hot tools are 50% off! So come on down and get some new stuff so you can get your style on for spring!
Get Styled Up at a reasonable price!
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I went out for a little 10 mile joy ride tonight to break in the studs on my ice bike a bit more. It was about 4 degree F windchill, so nothing too cold. On dismounting at the end of the ride, I noticed one of my superflashes was dead. I normally keep the one of the seatpost steady, and the one on my rack flashing. Thankfully, I didn't have much to worry about since my other light was still blinking.
My question is: Is it worth the extra battery drain to go one steady and one blinkie? I normally carry extra batteries anyway, so if I noticed a light was out, I could replace the batteries. I heard that a solid light is better at perceiving depth, so that's why I started running one solid in the first place.


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Blogs Home
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Re: Keep green in mind, part 1: Virtualization
Tiffany Winman email@example.com Tags: maximo management energy-management energy-monitoring ibm pulse meo green-and-beyond sustainability green-it energy-efficiency monitoring green-data-center green-infrastructure tivoli ibm-energy-management energy green 2 Comments 1,550 Visits
In response to: Keep green in mind, part 1: Virtualization Karl, excellent data points. I can't wait to hear customers, Business Partners, and analysts talk about greening the data center at Pulse. I found those discussions the most fascinating my last two...
Keep green in mind, part 1: Virtualization Community Blog
Karl Helbig firstname.lastname@example.com Tags: energy-monitoring management energy-efficiency maximo green green-infrastructure sustainability ibm-energy-management ibm energy green-it green-data-center green-and-beyond meo pulse monitoring tivoli energy-management 1 Comment 1,599 Visits
Is green still on your radar screen when it comes to managing your data center assets? If not, perhaps it should be. A greener data center can be achieved through various means, not the least of which is gaining efficiencies in the area of power (energy)...
Energy & Efficiency track @ Pulse 2010 Community Blog
Karl Helbig firstname.lastname@example.com Tags: sustainability green-data-center tivoli energy-efficiency meo green energy-monitoring ibm-energy-management monitoring management energy-management energy ibm green-it green-infrastructure maximo green-and-beyond 1,484 Visits
Pulse 2010 is just over 3 weeks away, so I thought I would give you a sneak preview of how the Energy & Efficiency track agenda is shaping up. If you are coming to Pulse 2010 and want to build your agenda in advance of the conference, head over to the...
More on measuring and managing energy and thermal performance in the data center Community Blog
Karl Helbig email@example.com Tags: green tivoli ibm energy-management energy-monitoring energy maximo ibm-energy-management green-it green-data-center green-and-beyond energy-efficiency monitoring green-infrastructure sustainability management meo 1,324 Visits
Energy management is no longer just an option for organizations today; it's a strategic imperative. There are growing pressures to control costs in challenging economic times and to operate responsibly amid concerns about climate change. Achieving energy...
New Release of ITM for Energy Management Available Community Blog
Chris Dittmer firstname.lastname@example.com Tags: ibm green-it energy-management maximo energy-efficiency management green-data-center green green-and-beyond monitoring energy-monitoring tivoli sustainability ibm-energy-management green-infrastructure energy meo 1,856 Visits
Today, December 15, 2009, IBM released Tivoli Monitoring for Energy Management Interim Feature v6.2.1.01. This release added new support for Siemens building management, which integrates the energy and environmental management solutions delivered by Siemens...
What will going green help you do? Community Blog
Karl Helbig firstname.lastname@example.com Tags: monitoring sustainability energy-management green green-data-center ibm green-it green-and-beyond green-infrastructure meo energy-efficiency energy-monitoring ibm-energy-management tivoli management maximo energy 1,099 Visits
Going green. It's about more than just reducing environmental impact. It's about changing the way we do things in all areas of our lives. It's about reducing energy and related costs…it's about optimizing systems and resources…it's about being...
Re: Walking the walk: conserving energy & reducing CO2 emissions at IBM
Tiffany Winman email@example.com Tags: energy-efficiency green-it green-and-beyond energy energy-management maximo monitoring ibm meo tivoli green-infrastructure energy-monitoring sustainability green-data-center management ibm-energy-management green 4 Comments 1,863 Visits
In response to: Walking the walk: conserving energy & reducing CO2 emissions at IBM Karl, when I first came to IBM years back, I was immediately impressed by the "greening" of their facilities. Recycled water/paper/notepads, recycling bins everywhere,...
Walking the walk: conserving energy & reducing CO2 emissions at IBM Community Blog
Karl Helbig email@example.com Tags: green-data-center ibm maximo energy-management energy-monitoring green energy-efficiency monitoring management sustainability green-infrastructure green-it meo tivoli green-and-beyond ibm-energy-management energy 2 Comments 2,611 Visits
Here's an excerpt from IBMs corporate responsibility web site . I thought I'd share it with you because we've been hearing a lot lately about climate change and such, and this outlines what IBM is doing - and has been doing for years - around protecting and...
Energy monitoring for greater efficiency in the data center and beyond Community Blog
Karl Helbig email@example.com Tags: energy energy-monitoring green green-and-beyond ibm green-infrastructure energy-efficiency energy-management monitoring tivoli green-it management ibm-energy-management maximo sustainability green-data-center meo 1 Comment 3,132 Visits
Effective monitoring of IT, data center and facility assets can bring positive savings to companies that are paying attention to it. Based on a survey I read recently, decreased energy use (or greater energy efficiency) and increased cooling efficiency...
Re: Share your story at Pulse: Hints and tips for creating a stellar Energy & Efficiency proposal Community Blog
Tiffany Winman email@example.com Tags: green-it energy tivoli green-data-center maximo sustainability green energy-monitoring pulse pulse-2010 management green-and-beyond ibm-energy-management energy-efficiency monitoring green-infrastructure meo energy-management ibm 1 Comment 4,282 Visits
In response to: Share your story at Pulse: Hints and tips for creating a stellar Energy & Efficiency proposal Karl, thanks for posting tips on submitting Pulse abstracts for Energy and Efficiency topics. I'm sharing this with our Pulse blog so others can...
from Blog: Pulse conference community blog
Measuring and benchmarking energy and thermal performance Community Blog
Karl Helbig email@example.com Tags: energy-efficiency green-data-center energy-management tivoli green-and-beyond energy-monitoring green-infrastructure management monitoring meo sustainability green ibm ibm-energy-management green-it energy maximo 1,107 Visits
Measuring and benchmarking energy and thermal performance is often considered the foundation for most energy management capabilities. It involves gaining the necessary visibility into current energy and thermal data and the related costs. One would typically...
Directions in Energy and Environmental Management - Instrumentation and Insight Community Blog
Chris Dittmer firstname.lastname@example.com Tags: energy-monitoring tivoli monitoring green-it green-data-center meo energy green green-infrastructure management energy-efficiency green-and-beyond ibm-energy-management ibm sustainability energy-management maximo 1,408 Visits
I wanted to take just a few minutes on this Friday afternoon to talk about the directions that we see emerging in the energy management space. As Rich mentioned, one thing that we don't see changing is the demand for energy cost reduction, the increased...
Re: Energy Efficiency in a Dynamic Infrastructure Community Blog
Tiffany Winman email@example.com Tags: sustainability energy-management meo ibm-energy-management tivoli maximo ibm monitoring management green energy-efficiency green-it energy green-and-beyond green-infrastructure green-data-center energy-monitoring 1 Comment 2,315 Visits
In response to: Energy Efficiency in a Dynamic Infrastructure Karl, cool, glad to see Green as part of the Dynamic Infrastructure goodness. Cloud, green, and mean: Makes for a winning combination. :) I was reading some research lately showing how intricately...
from Blog: Tivoli Software blog
Energy Efficiency in a Dynamic Infrastructure Community Blog
Karl Helbig firstname.lastname@example.com Tags: sustainability ibm meo green-it monitoring energy green-data-center green-and-beyond green-infrastructure management energy-management maximo tivoli ibm-energy-management green energy-monitoring energy-efficiency 1 Comment 2,114 Visits
Greetings all- On October 20, 2009, IBM announced several new and enhanced offerings designed to help our customers succeed in an increasingly complex and interconnected world. The announcements reinforce the vision of a Dynamic Infrastructure and support our...
Why energy efficiency and sustainability still matter Community Blog
Rich Lechner firstname.lastname@example.com Tags: green-and-beyond maximo green-data-center green-it management energy meo green ibm tivoli green-infrastructure ibm-energy-management energy-efficiency energy-management monitoring energy-monitoring sustainability 1,847 Visits
I read an industry analyst report last week that proclaimed that "Green Computing" is no longer relevant in today's IT market. It probably comes as no surprise that in this economic environment very few CIO's will purchase an IT solution solely...


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Godrej Industries Ltd today said its consolidated net profit rose by 39.34 per cent to Rs 85 crore in the quarter ended December 31, 2011, driven by robust growth across all business segments.
The company had posted a net profit of Rs 61 crore for the corresponding period last fiscal, Godrej Industries said in a statement.
Total income of the company rose to Rs 1,520 crore in the quarter ended December 31, 2011, from Rs 1,076 crore in the corresponding period of the previous fiscal.
Commenting on the results, Godrej Industries Ltd Chairman A B Godrej said: "Q3, FY2012, has been a period of strong performance delivered across all our businesses, resulting in a healthy overall growth."
The company said its board, which met today, has also approved a revised capital expenditure of Rs 296 crore.
"The capital expenditure is being incurred over a two-year period," the company said.
The increased capital expenditure is mainly on account of the increased scope of plants, additional activities, expenses on account of creating facilities in low-lying land areas and inflation in material costs related to construction, it added.
During the quarter under review, the company's chemicals business grew by 23 per cent vis-a-vis the corresponding period of the previous fiscal.
Sales of the company's agri-business arm, Godrej Agrovet Limited (GAVL), increased by 27 per cent in the third quarter, vis-a-vis the same period last fiscal.
Shares of Godrej Industries closed at Rs 212.80 on the BSE today, up 2.60 per cent from their previous close.


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Had a late afternoon appointment with my eye doctor today. Happen to be the 1st clear day in quite some time.Took a couple of hours for the eye drops to wear off enough to let me move around so I stepped out on the back deck and there hovering just over my observatory were 5 or 6 ( they kept moving, so I'm not sure of the exact count) perfect crescent moons. I wish I'd had a camera in hand so I could have shared the view with you all. I don't think I'll try to beat that view tonight.
Be Well
there's something you don't see every day
Started by Greyhaven , Nov 16 2012 07:41 PM
1 reply to this topic
Posted 16 November 2012 - 07:41 PM
Posted 17 November 2012 - 09:24 AM
You know... I'm not sure that's something I'd want to see every day!


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Preview: Man in a Case/Big Dance TheaterDance, Dance Previews, Recommended Dance Shows Add comments
The aptly named Big Dance Theater constructs rich, layered performances with gusto, pulling together disparate elements into three-dimensional, moving collages. Man in a Case tells two stories by Anton Chekhov by building worlds within a world through video, movement, costuming and a strong performance by Mikhail Baryshnikov. Both stories are bittersweet reflections of lives unlived; in the title tale, Baryshnikov plays Byelikov, a rigid, priggish professor of classics whose entombed life is thrust into disarray by a free-spirited woman, played by Tymberly Canale, who captures his affections. Baryshnikov aptly embodies the fearful, imposing Byelikov and audiences will have the strange satisfaction of seeing the world's most famous living dancer refuse to join a line dance at a party. The second story, "About Love," is one of longing and regret; Baryshnikov plays a man who does not act on his love for a married woman. Directors Annie-B Parson and Paul Lazar layer the stories with imagery and reference—video-surveillance footage, folk dance, sixties pop tunes—giving Chekhov's insightful stories a vibrant new life. (Sharon Hoyer)
Big Dance Theater at the MCA Stage, 220 East Chicago, (312)397-4010. May 15-18, Thursday at 7pm, Friday-Sunday at 7:30pm and Sunday at 2pm. Tickets are $50, $100 for opening night.
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It's the first time since the 1997/98 season that Barça has stood alone at the top of the league table after the first three games. As now, Mallorca were also in second place.
Aquell curs també s'havien fet vuit gols en les tres primeres jornades i es va acabar sent campió
Match day 3: the stats
11/12: 3rd with 7 points
10/11: 6th with 6 points
09/10: 2nd with 9 points
08/09: 9th with 4 points
07/08: 5th with 5 points
06/07: 2nd with 9 points
05/06: 8th with 4 points
04/05: 3rd with 7 points
03/04: 3rd with 7 points
02/03: 4th with 7 points
01/02: 8th with 5 points
00/01: 5th with 6 points
99/00: 1st with 9 points
98/99: 6th with 5 points
97/98: 1st with 9 points
The start of the 2012/13 season is turning out to be a carbon copy of the league campaign 15 years ago, with FC Barcelona leading the rest of the first division as the only team to win all three opening matches. Fifteen years ago, the first season under Dutch coach Louis van Gaal, Mallorca – who are currently tied on points with Malaga and Rayo Vallecano - were also in second place.
Campaign kicks off against Real Societad
But the similarity between the two seasons doesn't stop there. Both league campaigns started in the Camp Nou with a comfortable win against Real Societad (3-0 in 1997 and 5-1 this season). And Barça had also played Valencia, although 15 years ago it was a 0-3 away victory in the Mestalla stadium in the second match day. Just as this year, FC Barcelona had scored eight goals in the three matches, conceding just the one then compared to two so far this season.
Three wins in three
Barça have not made a habit of getting off to such a perfect start since then, winning the first three matches on only five occasions - 1997/98, 1999/00, 2006/07, 2009/10 and 2012/13.
Tito Vilanova is only the seventh manager in the history of the Club to have guided the team to three wins out of the three at the beginning of the season, following in the footsteps of Bellamy (1929/30), Brocic (1960/61), César (1963/64), Olsen (1965/66), Venables (1984/85) and Van Gaal (1997/98).


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Images: Assistant commandant of the Marine Corps in New Orleans [Image 11 of 60]
Photo by Cpl. Tia Dufour
Sgt. Maj. of the Marine Corps Micheal P. Barrett, left, poses for a photo with a Marine sergeant during a tour of Marine Corps Support Facility (MCSF), New Orleans, LA, Feb. 26, 2013. The visit was in support of Sgt. Maj. Barrett's testimony preparation travel. (U.S. Marine Corps photo by Cpl. Tia Dufour/Released)
This work, Assistant commandant of the Marine Corps in New Orleans [Image 1 of 60], by Sgt Tia Dufour, identified by DVIDS, is free of known copyright restrictions under U.S. copyright law.
Date Taken:02.26.2013
Date Posted:03.27.2013 03:03
Photo ID:895505
Size:7.87 MB
Location:NEW ORLEANS, LA, US


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by Duncan Larkin
Thousands turned out in Boston for the first road race since that city's marathon.
by Duncan Larkin, Published Nov. 16, 2010
The Kenyan runner had never used a washing machine before.
Stay up-to-date on the latest running content.
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Warm up before the 5k Bunny Run or just run for fun! All ages are invited to run the FUN RUN through Downtown Concord and the Harold McEachern Greenway at no cost. Registration is required.
Meet on Means Avenue by the Old Courthouse in Downtown Concord.
No fee, but registration is required.
Pre-registration: 8:00am
Bunny Fun Run: 9:00am
Road Race: Bunny FUN RUN #6011.114
Standard charge: Free
Road Races
April 19, 2014
Saturday from 9am to 9:30am
9am to 9:30am
Road Races
Last day for standard registration: Apr 11, 2014 5:00 PM
Last day for Internet registration: Apr 11, 2014 11:59 PM
Unlimited openings
Means Ave, Downtown Concord
Sara Rodgers
Winter 2013


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Award Information - Disbursement Information
After you have received an award letter from Financial Aid AND have completed all additional processes, the following disbursement schedule is an estimated time frame in which you can expect payment of your financial aid awards.
Lane disburses financial aid beginning at noon the second Thursday of each term and, in most cases, disbursement occurs every Thursday thereafter, as awards become ready for payment. Summer term is an exception**
Enrollment must be correct by 12:00 noon on the Tuesday prior to the disbursement date. See Admissions and Enrollment for further information.
|Summer 2015**
|Fall 2015
|Winter 2016
|Spring 2016
| · Federal Pell Grant
· Federal SEOG
· Oregon Opportunity Grant
· Federal Perkins Loan
· Federal Direct Stafford Loans
· Scholarships
· Parent Plus Loan***
| July 2 **Unless your first course starts during the:
· 2nd 4 wks – July 30
|October 8
|January 14
|April 7
| · Federal Direct Stafford Loans
(First Time Borrower*)
|July 30
|November 5
|February 11
|May 5
| · Federal Direct Stafford Loans (one term only)
· Parent Plus Loan (Loans one term only-must be paid in two disbursements)
| 2nd disbursement
August 6
| 2nd disbursement
November 12
| 2nd disbursement
February 18
| 2nd disbursement
May 12
*If you are a first time borrower at Lane CC, Federal Regulations require that the first disbursement of Federal Direct Stafford Loans not be released until 30 days after the term begins.
**See Summer Term Students for further information.
***This date applies to students receiving the Parent Plus Loan funds. If funds are disbursed to the parent, expect processing delays of 2-3 weeks.


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Funding opportunities
The goal is to bring a safe and effective therapy to adult patients with critical narrowing of the upper windpipe (trachea) and lower voicebox (larynx). Our intent is to implement all of the necessary steps for a successful new stem/progenitor cell-derived airway transplant for later stage clinical trials and/or commercialization within 4 years. Our team builds on first-in-human surgical successes with stem cell-based tissue engineered airway implants in compassionate use cases in adults and children. To this end, we will perform the necessary preclinical studies to support a successful IND application within 2 years, followed by a Phase I trial in 10 patients with 1 year of follow-up. We propose to use stem/progenitor cells from the patients themselves to treat an extraordinarily difficult to manage health problem, namely large airway stenosis. This causes severe airway obstruction, which severely limits quality of life, exercise tolerance, communication, and social and employment opportunities. Occasionally, the stenosis may also be life threatening. It occurs in approximately 200 individuals in California each year. Treatment costs for these patients are very high, and the personal and societal investments are substantially higher, although outcomes are consistently poor. The endpoint desired is normal airway and lung function and an improved quality of life. Our team aims to eliminate the need for repeated surgical interventions and/or the use of stents (metal or plastic tube implants), which are not necessarily successful, yet presently the standard of care for such patients.
In 2008/2010, we used stem cell-based, engineered tracheal implants to successfully save a young woman's and a child's life. Both are very well at 5 and 3 years post-implantation. These first-in-human studies emphasize that our goal is realistic, but also highlighted the gaps in our knowledge. Specifically, there is a need for preclinical studies to address questions of safety and long-term maintenance of airway, as well as to determine the fate of the implanted cells; secondly, if supported by these preclinical safety studies, there is a need for a formal clinical trial in patients of our candidate airway implant. Stem/progenitor cell-derived airway transplants that use the patients' own cells have the clinical advantage of not requiring anti-rejection medications. Our experience, to date, indicates such medication is not needed and this finding represents a scientific and clinical breakthrough in organ transplantation. While medical benefit was demonstrated in these two preliminary patients, there is substantial work to be done before such transplants can be considered routine for patients. We address this challenge with our team approach and emphasize the synergism that occurs when linking team members from California and a partner institution, with expertise in a variety of scientific and medical disciplines to address this critical need.
The citizens of California have generously invested in stem cell research and a return on their investment will include breakthroughs in medical treatments for diseases where there are currently limited options. Tissue-engineered stem/progenitor cell-derived airway transplantation is a leading example of translational research in regenerative medicine that can be used for a host of diseases. Through this team effort scientists and physicians will lead the early promise of airway transplantation to clinical trials in California and beyond.
This research team proposes to use tissue-engineered airway scaffolds with stem and progenitor cells to cure an extraordinarily difficult to manage and life-threatening health problem. Severe airway obstruction occurs in approximately 200 adults in California each year. The morbidity associated with this disease is very high, and it can be fatal for some. The knowledge gained from the tissue engineering and preclinical studies proposed will provide a new technology that can be applied to these and other disorders in California. We foresee that our stem cell-derived airway transplant could also be extended to treat an important subpopulation of children with severe subglottic and tracheal stenosis, malacia, or agenesis that have proven refractory to standard surgical interventions, and adult patients with debilitating laryngeal scarring. A further exciting possibility is that stem cell-derived airway transplants or bioengineered stents could also be applied to treat an important subpopulation of adults with severe chronic obstructive pulmonary disease (COPD). Given that the prevalence rate of COPD for California citizens greater than 65 years of age approaches 10%, if even 0.1% of COPD patients in California were candidates, specifically those with associated tracheobronchomalacia, then greater than 3,000 patients might benefit from this treatment. The methods and technology developed from this project can also be used as the basis for other similar health needs including esophageal, bladder, and bowel replacements for disorders where present treatments are very limited and impair quality of life.
The applicants propose to use an engineered replacement trachea to treat large airway stenosis, a highly morbid condition that causes severe obstruction of the airway. The intended approach will use stem cells from the patients themselves combined with a biologic scaffolding to create the engineered trachea. The therapeutic approach has already been used in first-in-human studies for individual cases, and this proposal builds on that clinical experience to conduct the preclinical development activities and a clinical trial required to make this procedure accessible to more patients. This project proposes to complete the necessary preclinical studies to file an Investigational New Drug (IND) application with the Food and Drug Administration (FDA) and complete an early phase clinical trial within the award period.
Significance and Impact
- The proposed approaches address a clear unmet medical need. There are currently no good options for the replacement of large sections of airway.
- While the number of cases of tracheal stenosis is small, this approach could offer a unique and life-saving therapy for patients with the condition.
- Reviewers agreed that this proposal was highly responsive to the RFA and that it presents a unique opportunity to bring a world-leading regenerative medicine technology to California. It was also noted that this project is unlikely to be funded by other agencies.
Scientific Rationale and Risk/Benefit
- Engineered tracheas similar to the proposed development candidate have already been used in humans as well as in animal models, providing preliminary safety data and rationale to support advancing to a clinical trial.
- Failure of the therapy could be fatal, but given the nature of the condition, the reviewers considered the risk/benefit ratio acceptable.
Therapeutic Development Readiness
- Reviewers agreed that having already treated human patients using this approach is strong proof of concept. Proof of concept has also been tested using clinically relevant preclinical models, although a significant amount of IND-enabling preclinical work remains to be conducted.
- Comparability to the tracheal constructs used in prior human cases has not been shown. If that can be demonstrated to leverage the existing clinical experience with patients, the team may be able to reduce the number of clinically relevant preclinical studies required prior to seeking regulatory approval for the proposed clinical trial.
- The manufacturing and testing methods were not well described in the proposal. Additional focus on these activities is likely needed and reviewers noted that the UK-based collaborators will clearly play an important role in helping to establish the manufacturing process.
Design and Feasibility
- The studies are well designed with appropriate milestones and go/no-go decision points and the clinical trial design is feasible with appropriate safety and efficacy outcome measures.
-The proposed preclinical development and clinical trial are an appropriate and logical next step based on the prior clinical experience with the approach.
- There was concern regarding the feasibility of the timeline to complete both the remaining preclinical work and the proposed clinical study. The timeline should be reconsidered, given the number of preclinical studies that must be conducted before the IND filing.
-The feasibility of the timeline to enroll and complete the proposed clinical trial was also questioned by reviewers
Principal Investigator (PI), Development Team and Leadership Plan
- The PI and team were viewed as world-leading in this functional tissue engineering approach with the appropriate experience and expertise to complete the proposed studies.
-It was suggested to consider adding an independent clinical monitoring function, under the supervision of a clinical operations manager, and an independent safety and pharmacovigilance program.
- Reviewers were concerned that the budget proposed may be inadequate to complete all of the remaining preclinical studies. Some additional activities that must be conducted may not have been budgeted for.
- The budget for the proposed clinical study was viewed as high for a small Phase I study.
Collaborations, Assets, Resources and Environment
- Reviewers were unclear on the relationship between the California- and UK-based team members and whether the relationship and efforts were collaborative or duplicative. Once clarified, however, reviewers noted that the collaboration is a valuable resource to provide access to the technology under development.
- Andrew Balber


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Casper Funeral Home Specializes in Professional, Cost-Effective Massachusetts
Pre-Need Funeral Planning.
Casper Funeral Home specializes in funeral pre-need planning. Massachusetts allows residents who are in or about to go into a Nursing Home or Long Term Care facility to make Pre-Paid funeral arrangements. It's part of a Medicaid approved "Spend Down Program." We show families how to prepare a Pre-Need Funeral Trust Plan and secure ways to protect their personal savings.
Massachusetts law mandates that people in nursing homes must first use their own funds. When they reach $2,000.00 in assets they then become Medicaid eligible. On the way down to $2,000.00, there are many approved options available. For over 75 years, Casper Funeral Home has been showing people throughout Massachusetts how to protect and save their hard earned money while receiving nursing home care.
For those who simply want to make Pre-Need funeral arrangements, we are there for them as well. We show them how to develop a long term plan for their funeral services in the event of need. Some do it because they want to avoid an expense to their surviving family. Others do it because they are alone and want to be certain that if something happened to them, their funeral service plan would be pre-arranged.
Trust and confidence are very important in making Pre-Need funeral arrangements. You want a guarantee that your Pre-Need Funeral funds are placed in an "Irrevocable Trust" in compliance with all state and federal regulations and requirements. We provide every type of funeral service anywhere in Massachusetts with the utmost dignity and respect. We are there for you…wherever the need.
It is important to choose a Massachusetts funeral home provider that has the knowledge, experience and expertise to advise and guide you. We are a family-owned Massachusetts licensed funeral service provider and are A+ rated by the Better Business Bureau.
There are many available Pre-Need funeral choices that we would be pleased to discuss with you.
One call to the Casper Funeral Home at 617-269-1930 or 800-314-1890 does it all.


text: State-of-the-Art Surface Mount Technology With multiple surface mount lines, featuring leading edge pick and place technology, we have the flexibility and capacity to build a variety of assemblies. Because of our capability to handle both leaded and lead-free applications for RoHS compliance, we offer our customers the highest standards of quality and reliability. We're dedicated to the utilization of best practices of lean manufacturing in all of our operations, including surface mount assembly. With investments in equipment such as additional feeders for offline setup, we are consistently improving our process yields and reducing downtime by significantly improving line changeovers and setup. Surface Mount Equipment and Capabilities Capable of placing 0201 SM devices, 2ml x 1ml Fine pitch down to .012" Micro-BGA assembly AOI (Automated Optical Inspection) of SMT assemblies Laser vision, solder-paste height measurement system for screen printing X-ray inspection More About SMT Surface-mount technology (SMT) is a method for constructing electronic circuits in which the components are mounted directly onto the surface of printed circuit boards. An electronic device so made is called a surface-mount device (SMD). In the industry it has largely replaced the through-hole technology construction method of fitting components with wire leads into holes in the circuit board. An SMT component is usually smaller than its through-hole counterpart because it has either smaller leads or no leads at all. It may have short pins or leads of various styles, flat contacts, a matrix of solder balls (BGAs), or terminations on the body of the component.


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I would like to make a task in my phone that should send keys to it.. In fact i will simulate a remote keyboard to my device. So, there is any way to acess send keys on the device? Thanks
ultrashot from XDA Developers told me to use this:
keybd_event(<key code>, 0, KEYEVENTF_SILENT, 0);
keybd_event(<key code>, 0, KEYEVENTF_SILENT | KEYEVENTF_KEYUP, 0);
But i have no idea how to use this.. Its possible to use this with DLLImport?


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SAN FRANCISCO — Olivia Zacks, 17, recently took a drag of peach-flavored vapor from a device that most people would call an e-cigarette.
But Zacks, a high-school senior, doesn't call it that. In fact, she insists she has never even tried an e-cigarette. Like many teenagers, Zacks calls such products "hookah pens" or "e-hookahs" or "vape pipes."
These devices are part of a subgenre of the fast-growing e-cigarette market and are being shrewdly marketed to avoid the stigma associated with cigarettes of any kind. The products, which are exploding in popularity, come in a rainbow of colors and candy-sweet flavors but, beneath the surface, are often virtually identical to e-cigarettes, right down to their addictive nicotine and unregulated swirl of other chemicals.
The emergence of e-hookahs and their ilk is frustrating public-health officials who are already struggling to measure the spread of e-cigarettes, particularly among young people. The new products and new names have health authorities wondering if they are significantly underestimating use because they are asking the wrong questions when they survey people about e-cigarettes.
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Marketers of e-hookahs and hookah pens say they are not trying to reach young people. But they do say that they want to reach an audience that wants no part of e-cigarettes and that their customers prefer the association with traditional hookahs, or water pipes.
"The technology and hardware is the same," said Adam Querbach, head of sales and marketing for Romman of Austin, Texas, which operates several websites that sell hookahs, as well as e-cigarettes and e-hookahs. "A lot of the difference is branding."
Sales of e-hookahs have grown "exponentially" in the past 18 months, Querbach said.
Public-health authorities worry that people are being drawn to products that intentionally avoid the term "e-cigarette." Of particular concern is use among teenagers, many of whom appear to view e-cigarettes and e-hookahs as entirely different products when, for all practical purposes, they are often indistinguishable.
Indeed, public-health officials warn that they may be misjudging the use of such products — whatever they are called — partly because of semantics. A survey by the Centers for Disease Control and Prevention (CDC) found that 10 percent of high-school students nationwide said they had tried e-cigarettes in 2012, double the year before.
But the CDC conceded it might have asked the wrong question: Many young people say they have not and will not use an e-cigarette but do say they have tried hookah pens, e-hookahs or vaping pens.
The CDC is currently sending out a tobacco-use survey to 20,000 students nationwide that asks about e-cigarette experimentation but does not identify the devices by other names. The state of California, through a nonprofit partner called WestEd, is asking virtually the same question of 400,000 students.
Brian King, senior adviser to the Office on Smoking and Health at the CDC, said the agency was aware of the language problem.
"The use of hookah pens could lead us to underestimate overall use of nicotine-delivery devices," he said.
A similar problem occurred when certain smokeless-tobacco products were marketed as snus.
Other health officials are more blunt.
"Asking about e-cigarettes is a waste of time. Twelve months ago, that was the question to be asking," said Janine Saunders, head of tobacco-use prevention education in Alameda County in Northern California.
In October, Saunders convened a student-advisory board to discuss how to approach "e-cigs."
"They said: 'What's an e-cig?'" Saunders recalled, and she showed what she meant. "They said: 'That's a vape pen.' "
Health officials worry that such views will lead to increased nicotine use and, possibly, prompt some people to graduate to cigarettes.
The Food and Drug Administration is preparing to issue regulations that would give the agency control over e-cigarettes, which have grown explosively virtually free of any federal oversight.
Sales of e-cigarettes more than doubled last year from 2012, to $1.7 billion, according to Wells Fargo Securities, and in the next decade, consumption of e-cigarettes could outstrip that of conventional cigarettes. The number of stores that sell them has quadrupled in just the past year, according to the Smoke Free Alternatives Trade Association, an e-cigarette-industry trade group.
The emergence of hookah pens and other products and nicknames seems to suggest the market is growing well beyond smokers. Zacks was among more than 300 Bay Area high-school students who attended a conference focused on health issues last month on the campus of the University of California, Berkeley.
Many students talked about wide use of e-hookahs or vaping pens — saying as many as half of their classmates had tried one — but said that there was little use of e-cigarettes.
Zacks said the devices were popular at her high school here.
"E-cigarettes are for people trying to quit smoking," she said, explaining her understanding of the distinction. "Hookah pens are for people doing tricks, like blowing smoke rings."
It is possible for e-cigarettes or e-hookah devices to vary in nicotine content and even to have no nicotine. Querbach at Romman said that 75 percent of the demand initially was for liquids with no nicotine but that makers of the liquids were expanding their nicotine offerings. Often, nicotine is precisely the point, along with flavor.
Take, for example, the offerings of a store in San Francisco called King Kush Clothing Plus, where high-school students say they sometimes buy their electronic inhalers.
On a counter near the back, where tobacco products are sold, are several racks of flavored liquids that can be used to refill e-cigarettes or hookah pens. The flavors include cinnamon apple, banana-nut bread, vanilla cupcake, chocolate-candy bar and coconut bomb. They range in nicotine concentration from zero to 24 milligrams — about as much as a pack of 20 ordinary cigarettes — but most of the products have some nicotine. To use the refills, it is necessary to buy a hookah pen, which vary widely in price — around $20 and upward.
It is also possible to buy disposable versions, whether e-cigarettes or hookah pens, that vary in nicotine content and flavor.


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May 31, 2016
SUPERIOR TOWNSHIP, Mich. (AP) -- A man suspected in the death of a 23-year-old Washtenaw County woman was released on parole just three days before the fatal stabbing.
MLive.com reports that the man hasn't been charged yet in the death of Shandar Turner, but the incident triggered an immediate arrest for a parole violation.
Turner was found Friday on the steps of her home in Superior Township where she lived with twin 4-year-old boys. Police say the suspect and Turner knew each other.
State records show the 35-year-old suspect had been in prison since 2002 for robbery and a weapons-related crime while behind bars.
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If you have never tested your site on numerous devices at a time, the fact that Shadow consist of four separate apps may give you an idea how difficult it is. Once you've installed all components Shadow starts testing websites after pressing "Refresh" button. Shadow automatically mirrors whatever you do on your desktop to all connected devices.
This can be a really brave statement but Shadow can be the most useful Adobe's project built for mobile developers, especially for those engaged with responsive design. Responsive webdesign allows to create pleasing web experience for users surfing the web with an absolutely diverse range of devices, still responsive design adds a whole lot of development work. With Shadow you can see all the changes you do to your websites in real time what makes testing simple and easy. The whole process resembles synchronized swimming, by debugging and making changes in Google Chrome you will see the results on each connected device.
Still there are two minor "problems" with Shadow. The testing through Shadow can be fulfilled only in WebKit mobile browsers. Shadow is another reason for developers to ignore non-WebKit browsers. While Shadow is great, it won't give you the whole picture, yet.
Bruce Bowman, Senior Product Manager of Shadow made it clear that Adobe plans to keep expanding Shadow's capabilities as the project progresses. No need to panic, the capabilities of this great application will soon be extended and all mobile developers will benefit from this awesome project.
Another one difficulty that is connected with Shadow is that its usefulness is directly related to the number of iOS and Android devices you have on hand. Large web development companies will benefit more as they are ready to invest more money into mobile devices. For individual devs Shadow may be not-so-handy as they have not as many devices as it is needed. Shadow may cause a mobile device swap among designers bringing together a wide range of mobile devices and taking turns testing websites. Thanks to its live editing capabilities Shadow can make that process considerably easier and faster.
The functionalities of the Shadow
With Shadow you can connect wirelessly multiple iOS & Android devices to your computer. Synchronously browse, inspect & debug on devices. After installing Shadow on your computer, you'll be able to pair your devices, have them browse in sync with your computer, and perform remote inspection and debugging so you can see HTML/CSS/JavaScript changes on your device. Shadow package includes: Windows/OS X, iOS/Android apps, and a Chrome Extension.
Shadow for OS X and Windows;
Shadow for Android;
Shadow for iOS.
- Wirelessly pair your Android and iOS devices to your computer;
- Synchronously browse with your computer;
- Target a device for debugging, select an element in the DOM, then:
- Make changes to your HTML markup;
- Tweak your CSS rules;
- See changes instantly, on your device.
- localhost, 127.0.0.1, and machine.local support;
- HTTP authentication support;
- *NEW* Take screenshots of devices, saved on your computer;
- *NEW* Clear the cache on your devices and refresh the page;
- *NEW* Self-signed certificate support.
Mobile website testing is really time and effort consuming activity, because you need to check whether all elements are displayed correctly on each device you choose. Adobe Shadow is a perfect solution for mobile website developers allowing to provide simultaneous website testing on numerous devices.


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ABC TCA 2013 – Why DWTS ratings dropped, S.H.I.E.L.D. Update
The Entertainment President of ABC, Paul Lee, spoke at the 2013 TCA this morning. Dancing with the Stars was a ratings let-down without bad dancers. Actually, most of Lee's conversation with the press aside from DWTS surrounded bad ratings and failed series. What a downer after some seriously positive sentiments from rival networks at TCA 2013. Still, Joss Whedon's highly anticipated new series S.H.I.E.L.D. and mega-hit Modern Family are seen as the network's saving graces. Scandal is going strong. They're also banking on Nashville to snowball into true success.
On the middling success of Nashville: The untimely demises of Last Resort and 666 Park Avenue were solidified by ABC's decision to back Nashville instead. Apparently, Last Resort was deemed un-relatable to women. There is only so much promotion to go around, and they're seriously banking on Nashville picking up viewers. It's apparently a great show, so who knows?
On ABC's Comedies: Modern Family is the obvious comedic focus. It's ABC's current superstar series. Lee even went as far as to show clips from an upcoming episode of the series in the middle of his talk. Jason Mantzoukas is coming to the show. Also, Lee is very proud of the network's multi-camera comedies; The Middle and Suburgatory.
On the DWTS Debacle: An All-Stars version of Dancing with the Stars defeated the purpose many viewers had of tuning in; no one sucked! People like to watch train-wrecks. An All-Stars season drew in an older audience of people who were, I guess, looking to see genuinely good dancing? Still, ABC is keeping DWTS on twice a year. It's not going anywhere
On Seth MacFarlane: Lee is enthusiastic in his approval of MacFarlane as host of the Academy Awards this year. "He wants to be there… He loves the show, and I think he's going to bring a lot of that energy to it."
On Future Series S.H.I.E.L.D.: "Marvel has the ability to bring the family together… the script's great. I don't want to jinx it," said Lee. Joss Whedon's allegedly awesome new series, surrounding Marvel Comics' famous espionage crew, is said to see Whedon back in classic form. It looks like ABC is super focused on this show, and it will most likely get a full pickup. It could be the series that sees the recently floundering network whipped back to fighting form in the ratings game.
Here are some guys from IGN NEWS talking Whedon's S.H.I.E.L.D.:
Full Article: HitFix
Full Article on DWTS: E! Online


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June 23, 2014
eSports Scholarship
Normally I like to open with a little story, a way to both tell you all a little something about me and try to relate life in general with what I am going to be talking about/introducing you to. This time though, I find that I am at a total loss. I am so blown away by this latest news that I honestly could not think of a greater lead-in than just admitting that I could not think of a greater lead-in.
The Robert Morris University in Chicago, Illinois, a small private university, is starting a varsity eSports program and, as a first step into that program, is going to be offering scholarships to League of Legends players.
That's right. You didn't misread that. There is a school, a certified University, that will be offering scholarships worth up to $19,000 per student (covering 50 percent of both tuition and room-and-board) to students who play League of Legends. Admittedly, this is not going to every student who just so happens to play the game. This will be going to a League of Legends varsity team who will compete for the school just as other college sports teams do. The biggest difference here is that this is a video game.
For those who do not know, League of Legends is an online multiple-player battle arena in which teams of hero avatars battle it out in cooperative, team based game-play. It is a game that I have had no experience with personally, but many of my friends play it at different levels of competitiveness ranging from very casual to moderately competitive. Last I checked, the game has 118 different characters to chose from and the teams gain points by either killing members of the other team or the various minions that will pop-up throughout the mission to try and attack the enemy territory. The game is vastly popular, with an estimated 27 million people playing League of Legends every single day.
The Robert Morris University has recognized the legitimacy of eSports as, well, sports. They have seen the competitive spirit in the game's players, and have realized that this is the same spirit that pushes players of more traditional college sports. Not surprisingly, the reaction to this news has been split. Associate Athletic Director Kurt Melcher, who is in charge of the school's varsity eSports program, said, "It's interesting. There's two sides: there's the gamers side, who feel like they've been vindicated or liberated. Then there's the hardcore athletes side, who say, 'What do you mean? That's not a sport.'"
Personally, I side more with the former. Although I will not deny being taken aback by the news of this, I am in support of the school's idea. Games like League of Legends are very competitive and intellectually challenging games, very much like a cooperative version of chess with fun graphics in a fantasy setting. As someone who is not a fan of the more traditional sports, I think that this new idea will put people who are more drawn to the intellectual side of competitive sports — and yes, I just called it a sport – the same advantages that players of the physical sports receive.
So, in closing, good on you, Robert Morrison University. Good on you.
Image Credit: Riot Games Inc.


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Finance Minister P. Chidambaram presented the interim budget 2014 on Monday. Here are some important measures and impacts mentioned in his speech:
Excise duty cut from 12% to 10% on capital goods, electrical & electronic items
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Event Date: 02/19/2014Event Time: 11:00 AM - 12:00 PMLocation: Mansion FoyerDescription: Students, faculty, staff, and alumni are invited to join Bishop Ricardo Ramirez, Bishop of Las Cruces, NM and immigration advocate, for coffee and doughnuts. Stop by and engage the Bishop in discussion on immigration reform, Catholic Social Teaching, or any other topics of interest.
For more on Founder's Day, visit cabrini.edu/FoundersDay.
© 2012


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Natalie Portman attends the TV Land's 2010 AFI Life Achievement Awards Honoring Mike Nichols at Sony Studios in Los Angeles in Christian Dior.
Christian Dior Resort 2011 Collection
Model: Keke Lindgard
Model: Keke Lindgard
WHAT DID T LO SAY?!?!?" Even so, we have to say this is one time we like the black version better. But soft pinks are both in and something of a Portman go-to since she's got the looks for the color. It's a cute dress. It looks a little bit like she has coral growing over her boobs but that might be because we fell asleep in front of the TV last night watching Oprah tell us about Life in High Definition and the last thing we remember was something about coral eating each other.
Like we said, it's a cute dress in a Portman-y color. And check out those sensible shoes she's got going on. Why, kittens. Are those kitten heels we spy? Let's all light candles and pray for the end of 20-lb. shoes of anger. We're tired of starlets walking the red carpet looking like they have bear traps on their feet. We give her credit for choosing a shoe that gives her lower back a bit of a break but they don't actually look like they fit that well.
In addition, that clutch is entirely too twee for an adult to be carrying around. That's a ten-year-old's Easter purse.
Good choice on the dress, bad choice on the bag, interesting choice on the shoes. That's an IN. Overall she looks fresh and cute.
[Photo Credit: wireimage.com/gettyimages.com/style.com]
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Labels: In or Out, Natalie Portman, Red Carpet


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- Community Images
Settling is not in your vocabulary, so go with the Lamson Konic II Fly Reel when you need a lightweight, quality, durable reel that also won't clean out your bank account. The Konic II provides super-smooth performance when you hook a big trout on the Beaverhead or Gunnison.
- Large arbor reel design enables the line to be stored in a shallow layer, provides high retrieve rate, eliminates line coil memory, and erases the risk of tippets breaking due to drag force gain
- Machined materials and pressure-cast ALCS12 aluminum alloy spool and frame round out the Konic II's quality, durable components
- An anodixed finish and a solid polyurethane coating enable the Konic II to resist gouging and abrasion
- Drag system features a pair of precisely matched conical elements which are drawn together with spring tension to produce variable rates of smooth rotational braking
- Centralized mass of the drag elements make the reel more responsive to light drag settings
- Drag system has been completely sealed from moisture, salt, and grit for increased durability and longevity
- Torrington zero-lash roller clutch relies on the locking effect of a number of ramps and rollers to achieve torque transmission
- Zero-lash feature means instant engagement and improves feel and eliminates "spike" that the reel, line, and leader experience when a typical pawl clutch hooks up
- If you're buying a reel or spool and fly line, we'll be happy to rig it up for you, please give us a call at (855)-712-0513 for details
- Reviews
What do you think about this product?
Have questions about this product?
My Father on the South Fork of the Ogden
I got this reel for my father for his birthday. While not an avid fisherman, he may just become one!
Great reel!
Awesome vid Pete !!!
I selected this clip to feature on the homepage in our Activity Feed! Congrats on being GOATWORTHY !!!
Solid Reel. Good Value
- Familiarity: I've put it through the wringer
I have a 6wt and enjoy using it. It's inexpensive and pretty durable so I am never worried when I set it down on some rocks to deal with my fish. The drag system is smooth but peice of advice... you don't want to take the reel apart and tinker with the interior components of the drag system. If you are just getting started or don't want to splash the cash on Sage etc.. I recommend this reel. It has served me well and I have no complaints at all. A bunch of my guide friends use this reel on their rigs for their clients too.
Konic 2.
Good basic reel
- Familiarity: I've used it several times
I've got the 1.5 (4wt) version. It's just a basic reel with a drag that works well. Nothing flashy with the anodized finish, but it has held up well.
Update - Now that I've used it more, I've realized the drag is a lot tighter than it should/needs to be. On a 4wt rod, you don't really want much drag and this is close to being overkill.


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Images: Vietnam War hero shares his story [Image 2 of 3]
Photo by Senior Airman Jared Trimarchi
Clebe McClary, a former Marine first lieutenant who was wounded during the Vietnam War, poses for a group photo with military working dogs and their handlers from the 379th Expeditionary Security Forces Squadron at Al Udeid Air Base, Qatar, Jan. 15, 2014. McClary shared his story with Airmen, Sailors, Marines, Soldiers and civilians on surviving more than 40 surgeries and overcoming the mental and emotional stress of losing an eye and left arm. Today, McClary travels around the world and shares his story with men and women of all ages. (U.S. Air Force photo/Senior Airman Jared Trimarchi)
This work, Vietnam War hero shares his story [Image 1 of 3], by SrA Jared Trimarchi, identified by DVIDS, is free of known copyright restrictions under U.S. copyright law.
Date Taken:01.15.2014
Date Posted:01.19.2014 01:13
Photo ID:1152276
Size:6.68 MB
Location:AL UDEID AIR BASE, QA
Gallery Images
Associated News
Vietnam War hero shares his story


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Long sleeved silk sheath wedding dress with slit keyhole on bodice by Jenny Packham.
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A theory on the bounce and slog housing market.
Another thesis regarding the housing market's future path is that of a bounce and slog market. The theory focuses on the negative equity home owners and also the low inventory on the current market. This view point actually holds some solid ground. As of last count, there are over 11 million negative equity home owners in the US. This data is usually put out quarterly but with the stronger home price movement this summer, many will move out of the negative equity position. The theory proposes that many are not selling today simply because they cannot without bringing cash to the table. Out of the 11 million underwater home owners, how many would like to sell but simply do not because they would actually lose money on their sale? This is an interesting perspective on the underwater segment of the market. Yet the outcome is probably not as clean cut as one would expect.
Case Shiller will turn positive shortly
2012 has been a solid year for housing thanks to low inventory and very low interest rates:
Coupled with the above items, you also have very low down payment mortgages like FHA insured loans that have boosted the entry level market buyer by allowing maximum leverage with little money in the game. This has assisted on one front but there are still many in a negative equity positions that are paying their mortgage dutifully. To the initial theory of the bounce and slog, the idea goes that many will want to sell and are seeing that prices are going up. So they hold off inventory until they reach a tipping point where it finally does make sense to sell. In normal markets, people move for more common reasons like starting a family, up-sizing, divorce, or down-sizing. The distressed portion of the market was typically a small segment. For the last few years it has dominated.
As more of these home owners enter positive equity territory many are likely to sell based on more historical reasons versus the current leakage of shadow inventory. But think of what happens then. A larger portion of inventory will enter the market and likely put pressure on prices. After all, we know that 11 million of these homes are sitting in this exact position. It is an interesting theory and seems to be a very likely outcome on a nationwide scale especially if household incomes do not go up (and there is little evidence to show this is happening).
You also have seasonal impacts of home prices. Spring and summer are usually the best times for sellers and fall and winter usually see prices stall based on volume of sales:
Since the Case Shiller data lags the current market by a few months, you are likely to have positive news coming out for the spring and summer while the fall and winter data will not show up for a few months. It is really an interesting phenomenon because the market forces have been blunted to a large degree but you now have this pent up inventory of distressed home owners but also many more who are simply underwater. Someone that is say 5 to 10 percent underwater and has no issue paying their mortgage really isn't a distressed home owner.
Visible inventory seemed to peak in 2008 but has moved steadily lower since that point:
With demand being increased via:
-Lower interest rates
-Banks controlling distressed inventory
-Low down payment mortgage products
Home prices have stabilized and are actually increasing nationwide. The one aspect I am cautious here about is that household income remains weak and prices have increased simply by various mechanisms of leverage. The housing bubble was created by leverage products that decoupled from household incomes. We are nowhere close to liar or NINJA loans but is a 3.5 percent down payment product something that should remain if default rates are soaring? Anyone that buys a home with an FHA insured loan (the vast majority go with the lowest down payment possible) will be in a negative equity position for a couple of years given selling costs associated with a home sale.
The premise is interesting and I think this is likely a path for housing for the next few years. A sort of bouncing along on the bottom as distressed inventory is funneled out but also, many underwater home owners come online to sell and thus pushes inventory up putting a cap on how high home prices can go up. Supply and demand on the MLS but behind the scenes, we have a potential pool of inventory that has never existed in the US housing market.
The religion of the Fed
On a side note, some seem to think that the Fed is nearly omnipotent in what they can do. Do not forget that it was the Fed with little oversight of the banking system and Alan Greenspan slamming rates lower that provided a very fertile ground for the housing market to expand. Also, let us use Ben Bernake's words from 2007:
"(Fed Reserve, 2007) All that said, given the fundamental factors in place that should support the demand for housing, we believe the effect of the troubles in the subprime sector on the broader housing market will likely be limited, and we do not expect significant spillovers from the subprime market to the rest of the economy or to the financial system. The vast majority of mortgages, including even subprime mortgages, continue to perform well. Past gains in house prices have left most homeowners with significant amounts of home equity, and growth in jobs and incomes should help keep the financial obligations of most households manageable."
Does that sound like a central bank that can predict deep into the future? Only a few months later the economy started to implode. The danger with the very generous monetary policy of the moment is that people are now conditioned to insanely low rates and low down payment loans. Black Swans are common because people act irrationally and we do not have full transparency in current markets. The vast majority even openly admit that banks are sitting on millions of properties yet the only way to get a true measure of their price is to have them on the market! In the short-term a bounce and slog market seems to be the name of the game.
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Case-Shiller is likely to show a YoY increase of between 0.2% and 0.4%. House prices have stabilized, at least for the summer months.
Since Fannie and Freddie have raised credit standards (again), FHA is the only game in town with low DP mortgages. Oy vey!
Good Doctor:
Is there any data that alligns the percentiles of "underwaterness" with the borrowers' age? Anecdotely, I see a lot of Boomers who refinanced in their 50s thinking they would sell and dowsize when they retired. Not only is that now impossible without a short sale, but also their income is about to drop as they move into retirement. SS checks are not going to pay their mortgage once rates start to rise again. Do you know of any data that quantifies this problem?
My recollection is that the market reacted quite favorably back in 2007 when Bernanke made his most infamous statement. In other words he did his job well. Sarcasm aside twenty years ago the general perception was that the Fed was doing a good job. More recently they are seen as bumblers but still pretty much omnipotent. Soon the omnipotent part will be torn away. I'm seeing the current housing market as pretty favorable for buyers but that shadow inventory is scary. What happens if a significant downturn happens in the next few months?
If the 30 year rises by 200 basis points you can pretty much kiss the housing market goodbye. Cheap debt, backed by the public, continues to be the only thing holding it up. IMO, it is a shaky foundation to base your investment decisions on.
Romney claimed to "CLEAR THE MARKET" if elected. They are withholding foreclosures to prop prices while Squatters are going on 5 yrs+ rent-free. WILL ROMNEY BACK UP HIS WORDS?
There is a "Holidays PC" foreclosure moritorium Oct-Feb EVERY YEAR!
3.5% down puts you automatically in negative equity. It's like when you drive a car off the lot, it depreciates in value. Same witha house. House prices don't go up after you buy them these days. That was only in the previous 10 years of EZ Credit.
Most people will need to move within 5 years due to issues DHB described as well as job reasons. Also, Seniors are getting crunched by the ZIRP thus getting almost Zero income from their savings and/or pension plans they were depending on to live for their retirement years. They will need to sell their huge empy houses (as when the kids have all moved out) and increase supply even more.
Ben refuses to let market forces correct this Bubble market, but history shows that market forces ultimately win and correct the out-of-whack balances.
It's now NIRP (Negative...)
FHA now covering 30% of the mortgages today, historically 8%. You can buy a home with 3.5% down BUT.... if you don't have it you can borrow from.... the FHA!!!! and roll it in your mortgage!!!! VOILA!! - GUB-GOODNESS!!!
I see the Gubmint is at work in: Mortgages, ZERO interest loans to auto companies(and god knows who els), student loans, etc......
Even with credit card interest above 12%, and a helluva lot higher, people are spiking plastic everywhere I go. New Silverados, F150s, Rams are all over the streets. Kids back in Lexus's.
And I wonder how long can this fairy tale called "fiat currency" last?
I'm involved in the housing business and rest assured that if there were no government mortgages, no FHA, no VA, no Fannie, no Freddie, there would be virtually no mortgages, and prices would then collapse and then the whole shaky financial edifice would be a goner.
IMO, its only a matter of time before the USG is forced to abandon mortgage subsidies. The USG balance sheet reeks of desperation. The clock is ticking...
the we both have to agree that with this much Government involved we are becoming a socialist nation, we have no choice. And this is the last run for the elites to get filty rich as our days our numbered.
prices would then collapse and then the whole shaky financial edifice would be a goner.
.... and then the phoenix could arise from the ashes?
Until then, thank god for FIAT!!!, a keynesian's best friend!! (and real estate monkey's too!!)
Yes yes NED, let's keep this game going, more of the same until at least you can retire - profitably from the "real estate" game.
If you put more down, you borrow less. Thought it was a simple concept.
If you can't even save enough for 20% then you really don't have any business owning a home.
Another 30% to 50% drop in values is coming.
Caveat emptor.
I agree. It may take a few more years. The catayst will be a debt and currency crisis which forces the government to abandon its support of the mortgage markets. Debt servicing costs will go beyond military expenditures as rates rise. Hard choices will be forced on politicians. Housing will be a victim as will many other ridiculous boondoggles such as corn ethanol subsidies. If you are a buyer you better have enough cash for a huge down payment. Private banks will require it.
The 'blip' in price rise is just that, a 'blip.'
With joblessness increasing and wages stagnant and/or falling, I don't see how a house prices can rise for more then this temporary 'blip."
I think that is possible, but only if negative equity homeowners for any number of reasons give up and walk away from their homes in droves. Most will cling to what they have, even payments on an underwater home, since the decision to leave a home is not informed strictly by economic considerations. As long as they do, and there is not otherwise some economic catastrophe whereby homeowners lose their jobs and the issue is forced (even there, how long does it take to get a foreclosure done?), I like the bounce and slog theorem.
(did not vote you down BTW)
I think there is way more shadow inventory and pent up inventory from under-water mortgage holders than Case-Shiller accounts for. Banks are desperately trying to manage the inventory flow. They have no incentive to sell as it will mean a write-down for them. Mark to make believe has saved them at the expense of the public as they bleed us dry through negative real rates and USG bailouts. The US housing market, like Japan's, will die a slow death of a thousand cuts.
All you need to know is that if the Fed sits on the housing market, through the banks, money can't be made. When the government sits on an asset class, only insiders can make money. Maybe a nickle here, a few thousand there, but nothing to make a living on.


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What to Look for in a Good Brand of Sunglasses
January 23, 2013 by admin
Filed under Fashion Tips
Whenever I go on holiday there is one accessory that I simply can't live without – my sunglasses. Now I'm lucky in that most of my vacations are to South East Asia and the warm climate there means that you simply can't live without them, but even if I was heading out on holiday in the UK chances are the glare would also mean that a pair of sunglasses would be an absolute must for my trip.
The hardest part about purchasing any pair of sunglasses is choosing from the sheer number of options that are available to you, and sifting through each of these to find the right one for you is never a quick or easy task. If you are looking for a new pair then it's crucial that you have a few things in mind – style, quality and sun protection – these are three key elements to any pair of sunglasses and three very important roles that this popular accessory should take.
So with these in mind, what should you really look for in your next pair of sunglasses?
- Style
Style is very crucial to your sunglasses and for many people sunglasses make a great accessory in both the summer and winter months. The right sunglasses can make or break your outfit, so make sure you try before you buy with a range of sunglasses to ensure that you get the right fit – and the right style – for your face
- Quality
Quality is crucial and if you are looking to make an investment in a pair of sunglasses then you want to make sure that they last the distance. Well-made sunglasses can last you for years, so if you are going to make an investment, this could be a really great place to start
- Protection
Your sunglasses should afford you a high level of protection from UVA, UVB, UVC and blue light rays. This ensures that your eyes are being adequately protected from any potential harm and that no long term damage is being done – a crucial part of any sunglasses purchase.
A brand name or not a brand name?
For many people a good brand makes a good pair of sunglasses and if you are simply chasing a brand then you can often find that you are left reaching deeper into your pocket than what you might initially have hoped for. Sure there are some brands out there that have a cult-like following: Ray Ban, Gucci, Oakley, Oliver Peoples just to name a few… but if you are looking for a high quality product you don't necessarily have to pay the highest price.
Remember why you are buying your sunglasses – to protect you from the sun – and as long as you can find a pair that does this, and suits you at the same time, then you are well on your way to finding a lifelong companion!


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Welcome to
Annalise Arroyo got off to an early start reading
The Kingdom Beyond the Sunset
at the Book Launching on Sept. 30th, 2012.
To see more launching pictures,
click on link to "Book Launching" above.
Book Purchasing
If you would like to have your book
personally signed for you by
the author and mailed directly to
you, please click on "Contact"
link for email address to
request details.
You can order books on line at
as well as through other
Worldwide Distribution Centers
Kindle books are available at


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Night of the Living Dead 3D
Release Date: November 10, 2006
Running Time: 80 mins.
MPAA Rating: R
Genre: Adaptation, Horror
Barb and her brother Johnny arrive late for the burial of their aunt--and walk straight into a nightmare. With zombies on their heels, Barb flees the cemetery and is rescued by Ben, a local college student. The two seek refuge in the nearby farmhouse of the Cooper family, where the laid-back residents aren't remotely prepared to have their lives turn into a horror movie. But Barb is destined for an even grimmer confrontation--with the dark secret of the pyrophobic mortician, Gerald Tovar, Jr.


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Consumer Statement: UFAN is, was a scam! They filed for bankruptcy. Kristin Crone has moved over to Quadra | Day, LLP 9075 Foothills Blvd, Suite 5, Roseville, CA 95747. Kristin Crone has graciously negotiated with her new employer to take over her case files for a nominal initial flat rate of $100, plus a $100 maintenance fee, plus $750 if ... Read More »
UFAN – Consumer Complaint – 10-18-2012
Consumer Statement: I paid UFAN $5,000 to help me with a lawsuit against my lender for not refinancing me after jumping through hoops (J.P. Morgan Chase). I get a letter dated October 3rd 2012 stating we lost the lawsuit. They state that they will help me with the loan modification for no charge, since we lost the suit. I have ... Read More »
Should I Hire UFAN, Consumer Protection Assistance Coalition or File Chapter 13 Bankruptcy? – Ivan
"Dear Steve, WF dragged me for one year and 3 months to get the Loan Modification. I got assisted by housing services of LA county "agency approved per HUD to help people to avoid foreclosure. The last attempt again offered by WF offering HAMP was after I submitted a complaint against them with the Consumer Financial Credit Bureu. I sent ... Read More »
How You Can Find a Good Attorney or Lawyer
This guest post was submitted by Kristin Crone, Esq. from UFAN (United Foreclosure Attorney Network.) She is a California based attorney so the links given are for California but every state has a Bar Association and a quick search for your state Bar will lead you to the appropriate resource for you. While the advice given is about a mortgage ... Read More »
Tila Solutions Wants to Charge Me for a Loan Audit. Is This a Good Idea? – Marilyn
"Dear Steve, I sent you a message several weeks ago concerning UFAN. I have read two of the posts where you answered questions about this entity, so I went with my intuition and the advice posted and did not proceed. I had inquired a about lawsuits against HSBC, my current mortgage holder. Briefly, my situation was created when I was ... Read More »
I Was Going to Sign the Retainer for UFAN but Now I'm Scared I'm Being Scammed. – Tony
"Dear Steve, I do not have information to share but rather need information. My date for sale has been given by the bank as Oct 15th, I was already to sign up with the UFAN group until I found some discrepancies with the retainer contract and what the affiliate explained to me prior and then reading your posts all made ... Read More »
UFAN Sent Me a Form 1012-R Mailer to Keep me in My House
"Dear Steve, Received a Form 1012-R mailer from UFAN I called the # 1-866-395-7446 i was transferred to a legal assistant named Jacob Rasmussen. After explained all my situation he said that I will have to sent in a copy of the DOT (Deed of Trust) and the engagement agreement signed in order to be set up for a consultation ... Read More »
Mass Joinder Receiver Report States What They Found During Raid
The court appointed receiver of the law offices and companies that were raided and seized in the recent mass joinder actions in California has shown that the very issues were were all concerned about, appear to have been true. Marketers for lawyers selling access to mass joinder and tort litigation created such a network of deception in cooperation with lawyers ... Read More »
UFAN – United Foreclosure Attorney Network
This article was written back in August of 2011. Since that time Kristin Crone, Esq. of UFAN has taken a number of steps to address issues I was critical of and worried about. Personally I have found her to be a person of action that does try to help people. I think you will find the UFAN of today to ... Read More »
HomeLife Financial Solutions Sales Script – Watch List
The following information appears only because this entity has hit my radar and has raised a concern and I do not want to lose this information. I'm keeping it handy in case issues appear in the future. Steve Notes The following script is used to SELL consumers into a mass joinder lawsuit against their lenders. Note how the consumer is ... Read More »
Lloyd Ward & Associates – UFAN – New Player in Deceptive Form 1012-R Mailer
Update October 13, 2011 – Lloyd Ward & Associates and Lloyd Ward denies they are or were involved in UFAN or the mailer that was sent out. Over the years attorney Lloyd Ward has made an appearance in a number of my stories, click here. And I did notice that a while ago he had wandered into the mass joinder ... Read More »


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Some folk will laugh at anything, probably those who record canned laughter for the ITV, really this is top quality PI$$, the funny thing about it all, is that I have broken a habit of a lifetime and had to agree with Andrew