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"I am coming to Lanzarote for the first time – which resort should I stay in?"
This is a question I am asked a lot, each of the three resorts in Lanzarote are very different from each other. It's hard to know where to start as all the resorts are loved by the full range of visitors from teenagers, families, couples, sports enthusiasts and pensioners.
Puerto del Carmen
This book is a great guide to Puerto del Carmen: The Camel Guide to Puerto del Carmen and Tias
Puerto del Carmen is Lanzarote's original resort and closest to Arrecife Airport. What started out life as a small fishing village called La Tiñosa now stretches for 6km along the coast with natural golden sandy beaches.
Puerto del Carmen is probably best known for it's lively nightlife, just ask for Centro Atlantico which is situated on the main avenida opposite Playa Grande for a plethora of pubs, nightclubs, disco pubs etc. Don't let this put you off though, there is much more to this resort than dancing the night away.
You will always find sports enthusiasts swimming, running or cycling along "The Strip", there are a number of sporting events held here each year, the largest and most prestigious being the Ironman Lanzarote. If you're a scuba diver or want to experience a try dive, then Playa Chica near the Old Harbour is a great place to start, this beach is very popular with the islands divers exploring The Cathedral and The Blue Hole amongst others. Golfer's don't have far to travel to try out Lanzarote's newest Golf Course situated on the outskirts of the resort, a short drive or taxi ride will deliver you to the course for a round of golf with spectacular views to Fuerteventura.
There is no shortage or British or Irish bars in Puerto del Carmen, along the front, up the side streets, at the pool bar if you want to eat pub grub and watch the latest football matches and catch up on your soaps it's all here. There's no shortage of Chinese restaurants too but you can find some truly stunning restaurants dotted amongst them.
A few of the beaches in Puerto del Carmen are lined with rows of sun beds and umbrellas but you can find quiet spots if you visit the smaller beaches a little bit off the beaten track. There are also coastal paths stretching for miles, some are suitable for cycling and roller skating whilst others towards the South aren't paved but very comfortable to walk.
If you like shopping there is the Biosfera Plaza with high street shops such as Blanco, Zara, Bershka, Mango, Pull and Bear, Pimkie to mention a few.
Holiday accommodation is mainly apartment complexes and hotels with some villas available for rent.
Puerto del Carmen is central, easy to access, very British and a great all rounder, whilst some have likened it to Blackpool in the sunshine, it does have all the ingredients for a great holiday.
Costa Teguise
Costa Teguise was Lanzarote's second resort to be developed, this rocky coastline was transformed in the late 80's to offer a selection of sheltered beaches. The resort was built to include a Golf course, Aquapark and Aquarium attracting families as well as the surfing dudes who enjoy windsurfing from Playa Las Cucharas in the afternoon.
There are a number of windsurfing and dive schools here so it's easy to get on or under the water. Whilst Playa Las Cucharas is the main beach in the centre of the resort, Playa Jablillo is shallow and sheltered making it really popular with young children and snorkellers.
The square of Pueblo Marinero is very popular, there is a Friday evening market here which starts off the weekend nicely. Over the last couple of years Costa Teguise has become popular with Spanish residents which has created an opening for some excellent tapas bars and restaurants to thrive.
Costa Teguise is a great gateway for exploring the North of the island by car. If you don't fancy driving then you can either take the coastal bus service connecting Arrecife and Puerto del Carmen or the bus link from Costa Teguise to Famara allowing surfers to enjoy surfing and kite surfing on the magnificent beach there too.
The King of Spain owns a sea front villa complete with helipad along from Playa Bastian in Costa Teguise, the royal family have used the property several times over the years and more recently by Spanish Prime Minister José Luis Rodríguez Zapatero and his family.
Holiday accommodation tends to be apartment complexes, duplexes, hotels and some villas to rent.
Costa Teguise is fit for a king whilst maintaining a relaxed Spanish surfing feel with a sprinkling of British bars offering the Great British breakfast, karaoke and Sky sports.
Playa Blanca
The newest resort of Lanzarote is Playa Blanca. Situated on the Southern tip of the island this resort exploded in the last decade and is just starting to catch up with the info structure now. The planning for this end of the island is different to the other tourist areas, thousands of private villas were built on plots with private pools as opposed to apartments and even the complexes are bungalows. Tipped to become the premier destination of Lanzarote this resort has an up market and exclusive feel.
The resort is stretched along miles of coast from the beautiful beaches at Papagayo to the lighthouse El Faro. The town centre and old harbour are located in the centre of the resort, from here to the lighthouse are the larger style villas on plots, from the centre to the Marina Rubicón the property is smaller and closer together with duplex style town houses.
There are two fabulous beaches Playa Dorada and Playa Flamingo within the resort but no trip to Playa Blanca is complete without a day spent exploring the several beaches at Papagayo. The resort is that spread out there is a circular bus service every 30 minutes making it easy to get around if you're not planning on driving.
If you do decide to get out in a car, the volcanic region of Timanfaya and El Golfo are just along the coast and a short drive away. Walkers like to explore Montaña Roja with views over the Bocaina Straits to the neighbouring island of Fuerteventura, as well as the Natural Parque of Los Ajaches.
Marina Rubicón draws the tourists, this up market marina offers a fantastic location for sampling the local food and drink as well as designer shopping outlets and the weekly market.
Holiday accommodation is mainly hotels, bungalow complexes and many villas for rent.
Playa Blanca is slightly remote from the rest of the island, rumoured to have a warmer climate and currently being groomed for a five star resort.
What do you think?
Which resort in Lanzarote is your favourite and why? Which areas would you recommend for first time visitors to Lanzarote?
Detailed map of Lanzarote
And don't forget, we offer the best priced car hire on the island! Lanzarote Car hire
Refund policy


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By SYED KAZIM
Education, these days, has become a costly affair. Educational institutes are making profits in thousands and lakhs. This sounds shocking, doesn't it? Educational institutes have become so professional that for every service rendered they demand blatant fees. This process starts right from the time of admission, then there are various other fees like internet fees, sports fees, newspaper subscription fees, exam fees, graduation day fees; and the list goes on.
True, education is the training of both head and heart. As Sir Winston Churchill said, "The first duty of a university is to teach wisdom, not trade; character, not technicalities." But we are nowhere near the mark. How good an educational institute is can be determined by giving quality education, imparting values, training human minds for real life and guaranteeing them a successful future. But today the world has become commercialised to such an extent that, like commodities, the basic necessities like education and health care are also being sold in the market.
Education plays a vital role in shaping the human character and social order. In fact, the real function of education is to impart the genuine knowledge about life, existence and future. A real student is one who seeks the realities of life and the universe. But the tragedy is that the contemporary educational system aims only at creating a generation that fulfils the market and individual needs.
Corruption is also very much there in the field of education. For instance, a B.Sc. Nursing student was offered to write his final exam in a separate room by referring books, of course for a certain amount of money. Colleges get ready before the various aggradations like NACC, ISO, etc. by painting the buildings, hiring Ph.D. holders, upgrading the infrastructure facilities for a temporary basis and last but not the least, preparing huge gifts and heavy lunch for the members of the committee appointed to visit the college. Many educational institutes are aggraded as A and A+ but they do not deserve that sort of grading from any angle. Sometimes the grading and the actual condition of the college are in two different ends. In reality most of the educational institutes do not deserve the grading they are given.
Few colleges also run PUC (+2), Graduation Courses, Post Graduation Courses in one building itself (which is against the norms of the university) but they land up with not less than A level aggradations by NACC or other approving/ranking authorities. This shows the power and high influence of corruption in the educational institutes.
Colleges adopt different means of collecting money from the students, say for instance Rs. 1500 to Rs. 3000 for graduation. Rich students will be able to pay it but what about the poor people?
Few colleges also give hall ticket to the students to write the exam even if their attendance is not as per the university norms. Some colleges also tamper the attendance to meet the norms of the university and in-turn collect huge fines from the students, who have shortage of attendance and the students also do not get any receipt for it. Nobody knows where that money collected from the students goes.
The phenomenon of privatisation not only believes in gathering fees from the students but also recruits teachers to work for low salary; it opens centres for exploitation. It not only opens doors for exploitation but also gives very poor quality of education to the students and by charging huge fees. In a few colleges teachers are treated as use-and-throw instruments; they are fired once the syllabus is complete. Once a student told me (who is from Bhutan, studying B.Com in a college in Bangalore), "Our teachers are teaching us Management. We are learning management but the college authorities are themselves not able to manage the students and their activities. What a joke!" I felt like crying and also felt like laughing. I totally had mixed emotions.
Some engineering and MBA colleges also hire brokers to get students enrolled to their colleges. And getting students enrolled has in itself become an industry. Few brokers have become so expert that they have landed up starting colleges. A broker in Nepal gets $1500 every semester per student from a college in which he enrols students, so for four semesters the student ends up paying $6000 to the broker indirectly. A broker in Nepal has earned more than 86 crores by just sending students to different parts of the world for higher studies. Some of such countries are Germany, Switzerland, India, Australia, Canada, etc. The difference in fees structure is also very huge. A college in Bangalore charges Rs. 40,000 each year for BBM whereas another college in Bangalore charges Rs. 90,000. This shows how discrimination is done by colleges in terms of fees. A certain percentage of the college fee goes to the great brokers. Actually, many foreign students fall into this trap as they only follow the guidelines of the broker as they have no knowledge about the new place.
All the decisions taken are just based on the objective of earning money. Activities which do not involve huge money are organised and the activities which incur huge expenditure are avoided. Colleges also change the timing to save money rather than looking into the comfort of the students and the staff. Great personalities are invited for various programmes like fresher's day, graduation day, college day, building inauguration, etc, in order to create hype and use the names of these personalities with a mere objective to do publicity of the college. Colleges also have a great hire and fire policy. They are being asked to give a notice period varying from 1 month to 3 months (depending upon the college) but when the college wants to remove the faculty, they just do it in just three minutes. Isn't this an unjust contract?
Education system of a nation is of prime importance which moulds the students to become useful and contributing members of human society. The present education system is based on materialism and atheism. This educational system does not pay attention to human values and ethics. Today's educational policies have emerged as a result of the Capitalist ideology and they are exploiting education for their petty material interest.
The flaw in the education system also has reparations on other professions too. Take the example of the health care sector. Why do most people choose a career in the health care industry today? Once upon a time it was a profession where people wanted to become doctors and nurses because they wanted to serve the society but today all of that has changed, after paying lakhs of money their objective at the initial stage is to recover the money which they have put in, in getting the seat and later on paying huge fees. Once that money is recovered, they now want to earn money as they feel that is the time to make a lot of money and to en-cash the investment which they made on their education years before.
"Education is the most powerful weapon which you can use to change the world," said Nelson Mandela. It is very obvious that no weapon is superior to education. Thus education should be used as a constructive tool to make this world a better place to live in rather than an activity to mint money.
Summing up, the commercialisation of education is increasing in our country, where taking has become more important than giving. The education sector has just become a mere tool to mint money at the cost of the future of students. Colleges prefer bad students to good teachers because students give huge money and good teachers demand huge salary. We need to have an aim to promote the concept of value-based education and provide education which promotes moral values and manners in order to make them good human beings, rather than preparing them to become slaves of the multinationals. In our country, besides economic, political and social fields, educational sector too demands struggle for social justice. For construction of a better society, efforts to fix these problems must be part of our struggle.

subset: commoncrawl


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Drighlington 44 Keighley 6
Having beaten two Premier Division sides in previous rounds, Keighley went to Drighlington last Saturday with high hopes of reaching the final of the Pennine President's Cup.
However, despite playing with plenty of spirit in both attack and defence, they turned out second best to a well-drilled home side who played sound rugby league throughout.
Drig were ten points in front in as many minutes after just two forays into Keighley's 20-metre area and two more converted tries made the half-time score 22- 0 to the hosts.
The second half was pretty much a repeat of the first, with the Premier outfit scoring four more tries and converting three of them for a points tally of 44.
Keighley, however, did manage a deserved try after 65 minutes when good movement towards the right flank enabled Shaun Metcalfe to set winger Kris Gott in the clear 30 metres out.
His speed allowed him to beat the covering defence to the corner. Callum Hudson converted with a good kick from wide out but that was to be Keighley's only score of the afternoon.
Although well beaten in the end, Keighley did have some moments to savour and there were good performances from Jack Copperwaite, Chris Dooling, Rick Barr and Danny Barrett.
Keighley travel to Emley Moor on Saturday (2.30pm) in the league.


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Our next SoundByte takes a look at some of the new features in Visual Studio 2010 and .NET 4.0 that enable you to develop parallel applications with ease.
It is charged at the rate of 1 hour from your ADC contract. For this price you may have up to 2 Live Meeting connections, and you are of course free to use these to broadcast to a room full of people in your office. If you require further information on this subject after the event, you can of course engage with the ADC team as usual to setup a suitable session.
SoundBytes are short, focused, technical sessions aimed at developers and architects, delivered by an Application Development Consultant over Live Meeting. Attendees will be given time to ask questions, and receive a copy of the material presented in the session.
Parallel Programming in Visual Studio 2010 (Salvador Patuel)
Date & Time
Friday 26th February 2010 from 11:00 – 12:00 UK Time
In this session we will explore the new features that the parallel framework brings to .NET 4.0 in order to facilitate the implementation of concurrency into your applications. The session will review and compare the different techniques, not only timing them but using the new concurrency profiling tools that are available in Visual Studio 2010.


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Research Topics
Michael David Kraus
Affiliation: University of Konstanz
Country: Germany
Detail Information
- Development of a Performance Improvement Program: A Workplace-Based Educational Intervention on Magnetic Resonance Imaging in Spinal TraumaMichael David Kraus
Centre for Orthopaedic, Trauma and Spine Surgery, Donau Ries Hospital Donauwoerth, Donauwoerth, Germany Electronic address
J Surg Educ 73:416-21. 2016..Performance improvement (PI) programs are an educational tool used to analyze clinical performance of clinicians. The effect of this tool has not been fully explored in orthopedic and trauma surgery...
- [Use of magnetic resonance imaging in orthopaedic trauma surgery: global needs analysis]M Kraus
Klinik für Wirbelsäulentherapie, Endoprothetik und orthopädische Onkologie, Hessing Stiftung Augsburg, Hessingstraße 17, 86199, Augsburg, Deutschland
Unfallchirurg 117:190, 192-6. 2014....
- Integration of fluoroscopy-based guidance in orthopaedic trauma surgery - a prospective cohort studyMichael Kraus
Ulm University, Institute of Research in Rehabilitation Medicine, Wuhrstrasse 2 1, 88422 Bad Buchau, Germany Federseeklinik Bad Buchau, Freihofgasse 14, 88422 Bad Buchau, Germany Electronic address
Injury 44:1486-92. 2013..Computer-assisted guidance systems are not used frequently for musculoskeletal injuries unless there are potential advantages. We investigated a novel fluoroscopy-based image guidance system in orthopaedic trauma surgery...
- Influence of fracture type and surgeon experience on the emission of radiation in distal radius fracturesMichael Kraus
Institute of Research in Rehabilitation Medicine, Ulm University, Freihofgasse 14, 88422 Bad Buchau, Germany
Arch Orthop Trauma Surg 133:941-6. 2013..We hypothesize that the experience of the surgeon and the fracture type influence the emission of radiation intraoperatively...
- Image guidance shortens the learning curve for K-wire placement - an experimental studyMichael Kraus
Institute of Research in Rehabilitation Medicine, Ulm University, Wuhrstrasse 2 1, 88422, Bad Buchau, Germany
Int J Med Robot 9:52-7. 2013..This work evaluated a reference-free image-based guidance system. Outcome parameters were the number of trials needed to achieve an optimal wire position, the radiation and procedure time, and the learning curve...
- Navigated treatment of metatarsal V fractures using a new image based guidance systemMichael Kraus
Institute of Research in Rehabilitation Medicine at Ulm University, Wuhrstrasse 2 1, 88422, Bad Buchau, Germany
Int J Med Robot 8:441-7. 2012..Computer assisted imaging systems are rarely used for fracture treatment and foot surgery. We introduce a new system for image based guidance in traumatology...
- A novel method of image-based navigation in fracture surgeryMichael David Kraus
Department of Orthopaedic Trauma, Hand, Plastic, and Reconstructive Surgery, Ulm University Hospital, Steinhovelstrasse 9, 89075 Ulm, Germany
Arch Orthop Trauma Surg 132:741-50. 2012..The new system was integrated in the workflow and supports the surgeon as an aiming device. The role of navigation system in enhancing minimally invasive surgery of the shoulder should be further explored...
- Can computer-assisted surgery reduce the effective dose for spinal fusion and sacroiliac screw insertion?Michael David Kraus
Department of Orthopaedic Trauma, Hand, Plastic, and Reconstructive Surgery, Ulm University Hospital, Steinhoevelstr 9, 89075 Ulm, Germany
Clin Orthop Relat Res 468:2419-29. 2010..Computer-assisted technologies can help to reduce the emission of radiation; the effect on the patient's dose for the three-dimensional (3-D)-based technologies has not yet been evaluated...


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ImmunoGen, Inc. (NASDAQ: IMGN), a biotechnology company that develops targeted anticancer therapies using its antibody-drug conjugate (ADC) technology, today announced the presentation of clinical findings with SAR3419 (coltuximab ravtansine) used in combination with Rituxan ® (rituximab) to treat diffuse large B-cell lymphoma (DLBCL) that previously had been treated with standard therapies. SAR3419 is a CD19-targeting ADC developed by ImmunoGen and licensed to Sanofi as part of a broader collaboration between the companies. These findings were reported at the annual meeting of the American Society of Hematology (ASH) being held in New Orleans, LA. The data presented today are from a Phase II trial assessing the activity and safety of SAR3419 when used in combination with Rituxan to treat DLBCL that had previously been treated with standard therapies including Rituxan. A total of 52 patients received SAR3419 and Rituxan in the trial, of which 45 were evaluable for efficacy (the per protocol population). Nearly three in four (73%) patients enrolled had Stage III/IV disease. Sixty percent (60%) had primary refractory disease and another 16% were refractory to their last treatment regimen; the rest were relapsed but not known to be refractory. Forty percent of the study patients had been treated with three or more prior therapies. The combination of SAR3419 and Rituxan was found to be generally well tolerated, with no patients discontinuing therapy due to treatment emergent adverse events (TEAEs). The most common TEAEs, of any grade, were asthenia, nausea, cough, diarrhea, and weight decrease. Any ocular events were low grade (1/2), manageable and reversible. Among the twelve study patients with relapsed but not refractory disease, the objective response rate (ORR) was 58%, with 2 complete responses (CRs) and 5 partial responses (PRs). Among the seven patients with disease refractory to the last treatment, the ORR was 43%, with 0 CRs and 3 PRs reported. Among the 26 patients with primary refractory disease – cancer that had never responded to any treatment – the ORR was 15%, with 2 CRs and 2 PRs reported.
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Bella Book: Makeup Makeovers by Robert Jones
Makeup Makeovers ($13.83) is more of a 184-page beauty guide than a fluid, novel-like read. Written by Robert Jones — a makeup artist for famous faces and the founder Simple Beaute` — this book takes a step-by-step approach to achieve your beauty potential through makeup alone, without the need for plastic surgery or spa treatments.
Inside, you'll find a plethora of before-and-after makeovers, which any woman can attain easily. I personally use this book all the time; it's kind of like my beauty encyclopedia.
Makeup Makeovers offers simple techniques to get gorgeous by using the right colors for your skin tone. It has some great lessons on how to correctly apply makeup, how to use the proper tools, and how to shape your brows correctly. There's also a guide to figuring out your eye and face shape and what colors to wear to enhance your eyes.
It is a fantastic guide to the basics of beauty, and the book is very well organized, so it's easy to refer back to when necessary. It is also available as a limited-edition hardcover for $39.95.


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MauiI went in 2009 and It was the best places I have ever been. I toured by helicopter over the islands, ate fresh fish with fruit, and danced all night at a luau.
I <3 hawaii
The only place I hear bad reports about is Honolulu, Oahu has a million people on it, it has crime and traffic jams just like you would expect. It's a beautiful place but there's too many people and the tourist don't help.
Maui is a great place if you want to party and or play golf. And the drive to Hana is fun.
The big island is just that, big, it's 300 miles around and not many tourist and the ones there hang out around Kona. There's several little secluded beaches on the big island where if you want to skinny dip or lie in the sun naked the likelihood of someone seeing you is slim and nil.
Kauai is paradise in my opinion, few tourist and beautiful beaches but it's not a party island unless you stay at one of the resorts.
Don't believe all the negative crap you hear about the islands, it's a great place to spend a few days. Expensive? Yes, but paradise is not cheap.
No I don't live there or work for a travel agency, I live in Arizona, but I've been there many times and enjoy it every time.
finally a good comment about Hawaii!!!!!!!! I've been reading tons of negative comments about Hawaii. and sharing my opinion
Yep, it's a nice place to visit. Even when the weather is lousy it's still pretty nice.


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Virtual reality had its heyday in video games and TV in the mid-90s before fizzling out of the mainstream. But with the Oculus Rift virtual reality headset sending ripples throughout the tech and gaming community at this year's SXSW, virtual reality is poised to make a comeback-- and some local places are using it in ways that might surprise you.
At the Speech Improvement Co. in Brookline, people seek help to address a common phobia: the fear of public speaking.
"The reason the fear of speaking is so widespread around the world is that it's unique for different people," said the company's president, Ethan Becker.
And it's the reason why you can't just go in and say, "Picture them all in underwear."
Becker had a video game developer create a 3-D animated boardroom and auditorium where clients can make mistakes without any pesky consequences. The only way to get there is by strapping on a head-mounted display while Becker controls what happens on his laptop. He can have someone take a phone call in the middle of your presentation, or get up angrily and walk out of the room.
"These are common things that help recreate the anxiety, so as a coach I can sit down with that person and say time out, freeze life, and we can immediately talk about that anxiety in that moment," Becker said.
Using virtual reality to address phobias isn't new. There was a small movement in the mid-'90s but it was expensive — carving itself out as a niche form of therapy. But these days, the graphics are better and cheaper to make. And with more affordable headsets like the upcoming Oculus Rift, virtual reality will be more accessible. Though some caution that it should be used sparingly.
"It is important to note that we don't want virtual reality to be used as a safety net," said Donna Pincus a psychologist at the Center for Anxiety and Related Disorders at Boston University.
"Whenever possible, we really want a patient immersed in the real world situation so they could have true exposure to their actual fears," Pincus said. "If a patient is afraid of dogs, using virtual reality to look at dogs or touch virtual dogs would not be nearly as good as having them really engage with touching a real dog, having a dog, petting a dog, having a dog jump up and lick their hand, things like that."
But some scenarios are really hard to recreate, like walking into a room filled with spiders, stepping onto an airplane, or driving through war-torn Iraq. Skip Rizzo, the director of medical virtual reality at the Institute for Creative Technologies at the University of Southern California, has created virtual reality-based exposure therapy to help veterans with post-traumatic stress recall traumatic experiences in Iraq and Afghanistan.
"There's no doubt in my mind that this technology will have a significant impact on mental health, rehabilitation, medicine, all the clinical areas of relevance where there is great need," he said "Whether it's education or therapy or general social skills interaction, the development of virtual human technology is going to be the next big thing," Rizzo said.
Rizzo said this is just the beginning of a resurgence. That doesn't surprise Becker.
"The virtual reality system allows us to help a part of the population that cannot be helped in any other way," he said.
And there's nothing virtual about that reality.
Watch Emily Rooney try Oculus Rift on Greater Boston:


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Hedge fund manager and activist investor William Ackman is selling his entire stake in J.C. Penney.
J.C. Penney Co. posted a wider-than-expected loss in the second quarter on a nearly 12% drop in revenue. But even though Penney's results were worse than expected, there were small signs that interim CEO Myron Ullman may be starting to stop the bleeding related to former CEO Ron Johnson's failed transformation of the chain.
J. C. Penney disclosed in a Securities and Exchange Commission filing on Friday that it entered into a Registration Rights Agreement with Bill Ackman's Pershing Square and its affiliates that gives him an out to completely walk away from the company.
As turmoil continues to surround J.C. Penney, one investor is upping his support of the embattled retailer even as two other large investors leave.
J.C. Penney Co. announced that activist investor and hedge fund manager Bill Ackman has resigned from the board of directors of the company, effective Aug. 12.
Activist investor Bill Ackman of Pershing Square Capital Management plans to abandon his push for a quick replacement to J. C. Penney CEO Mike Ullman, according to the New York Post.
Scathing letters continued flying back and forth on Friday, between activist investor Bill Ackman and the J.C. Penney board of directors — each attacking the other's handling of the CEO search process and timing.
According to multiple reports on Thursday, J.C. Penney will replace Myron "Mike" Ullman as CEO, and the search pace is being pressured by top investor Bill Ackman.
A Wednesday report by Women's Wear Daily quoted activist investor Bill Ackman, whose Pershing Square Capital Management is the largest shareholder of J.C. Penney Co., as saying that he won't abandon the retailer following this week's CEO shake-up.
Bill Ackman, the founder of Pershing Square Capital Management, has taken a "passive" stake in Family Dollar Stores, Bloomberg reported.
Activist investor Bill Ackman's Pershing Square Capital Management raised its stake in Borders Group from 31.5% to 37.3% ...


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Holy deliciousness! If you havent decided on the menu yet.. Here are some insanely delicious options, some glutenfree, and can be made ahead and kept!
Like this "I am too full, but I still want to eat another helping of " this Lasagna.
Layers of
creamy, cheesy, smoky Chipotle Cauliflower sauce,
Daiya Jalapeno garlic Havarti,
crunchy Herbed bread crumbs. mmm mmm.
It is decadent enough with the Cheese layers, and wholesome with the cauliflower as the base in the Chipotle sauce.
See them layers of deliciousness! This picture is from the next day. The lasagna tastes even better after a day.
The Lasagna can be easily made glutenfree with Glutenfree Lasagna sheets and gf bread crumbs, or omit the bread crumbs. The sauces and cheeses are gf.
On another note, I rant on my personal blog. The holidays always get the best out of me.
If you are wondering why spare a Turkey this TG, Please watch this Undercover turkey abuse video by MFA. Viewer discretion is advised. These birds are intelligent and sweet animals and deserve a better life.
This Mushroom Spinach Lasagna!
Here are the Step by Step Pictures
Brown the onions
Brown the cauliflower with spices, cook till tender, cool and blend.
In the baking pan, spread about 1/2 cup marinara sauce.Then place 3 noodles on top.
Check out the complete recipe, sauces, cheese and more on on my guest post for The Vegan Woman here, or see below
This year, I decided to revisit an always favorite Lasagna for my feast. This Lasagna is sure to blow everyone's mind away. It is delicious, wholesome, decadent, does not look like a vegetable :), has no fake meats and smells amazing too. It has smoky flavors from the creamy Chipotle sauce, the traditional from the marinara, loaded with mushrooms and Spinach or anything else you want to layer up, topped liberally with Daiya havarti and crisp herbed bread crumbs. What more can you want 🙂
Happy Thanksgiving!
Other options for the feast..
Freshly baked soft Dinner rolls. Serve warm with earth balance butter or herbed Olive oil.
Roasted Delicata Squash salad.
Breaded Roasted Brussels Sprouts..GF. Add these to a Salad or to a Stuffing.
This savory Sweet Potato Cornbread.(GF)
I plan to make this Flan (GF) with added Pumpkin puree and pumpkin pie spice to make it into a Pumpkin Pie flan! Will update the recipe link when I make and post it.
Want more options! Check out Susan's(fatfreevegan) TG Pinterest Board with loads and loads of options from other bloggers too.
Kristy's Amazing round up with Seitan loaf, caulipots and pumpkins and pumpkins
Heather's SMBP round up with perfect savory tarts
Somer's Huge TG menu in which she includes her insanely amazing Brie En croute
This Lasagna and round up is being shared at Slightly Indulgent Tuesdays, Allergy Friendly Wednesdays, Ricki's Wellness Weekend


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While I've yet to get my IQ 180, the big dividing line for me is whether or not the just released live view would enable me to shoot with a tech camera without either a sliding back adapter or swapping the ground glass with the back. That is a line in the sand regarding tech camera use.In the studio I can put my back on a Sinar camera and shoot tethered. I've tried the previous C1 live view option and found it unworkable...but in the studio I really don't care about the sliding back adapter which I use cause it works for still life images fine.The question then becomes can the IQ 180 live view option eliminate the need for a sliding back adapter or ground glass in the field?I don't mind using alternative methods of rough focus and framing...and I don't mind firing off a capture to "see" what I got. But, if live view as just recently released allows one to go into the field with the ability to fine tune framing and focus, then I see that as a benefit (combined with traditional viewfinders).When shooting with the 645 camera, I don't think the live view will offer me too much. The focus mask is more useful. It's really a question of usability with tech cameras.
Jeff,Two questions that come to my mind and you may be in the position to answer:1) It seems that it matters that lens and back is aligned within 10 microns with today's sensors, how well is the ground glass in a sliding back aligned with the sensor surface?2) How exact is the focusing mask?The 10 microns are coming from Mark's demo of the effects of shimming and also from Joseph Holmes discussions of accuracy in the MF world.Best regardsErik
1) It seems that it matters that lens and back is aligned within 10 microns with today's sensors, how well is the ground glass in a sliding back aligned with the sensor surface?
As far as the focus mask in C1, it's pretty good...how it is in the IQ 180, I don't know...I don't have mine yet and I've only played around a bit with Michael's.
Anyway you will be very happy with your IQ180..... lots for you to look forward to.


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Sarah Michelle Gellar may have wandered into another remake of an overseas film, but she won't be alone this time. Thanks to Variety we now know that Lee Pace (Wonderfalls and Soldier's Girl) will be co-starring next to the Buffy beauty in Addiction, which is set to start filming later this month.
According to Variety Addiction is based somewhat on the South Korean movie Jungdok. A woman loses both her husband and brother-in-law to comas. Not all is lost as the brother-in-law awakes informing his brother's wife that he is INDEED the husband. What the balls is going on?
Personally, I think it's a big tissue of lies just so the brother-in-law can get Buffy in the sack. Can you blame him though?
Out of body experience or just a web of sticky, sticky lies?
Tell us your thoughts in the forums!


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As a part of Lung Cancer Awareness Month, we have partnered with the Vietnam Veterans of America (VVA) and some of the finest medical centers across the country to offer CT screening and life-saving information on the risks of lung cancer for our nation's veterans.
This brand-new national pilot initiative will take place from November 8th to November 13th, during the days surrounding Veterans Memorial Day, in order to reach those men and women who have so courageously served for us.
Screening those at high risk with low dose CT scans before symptoms occur can identify lung cancer at an early and most curable stage, saving tens of thousands of live every year.
Veterans—and Vietnam veterans in particular—suffer from a worse risk for lung cancer than civilian populations because of increased smoking rates and exposure to known carcinogens during active duty. While lung cancer may take decades to develop, symptoms do not usually become obvious until the cancer has already grown into late stage when survival is less than 15%.
The initiative will lead off November 8th at Walter Reed National Medical Military Center in Bethesda, MD. Participating medical centers will join during November 8th – 13th, facilitating discussion on risk as well as scheduling and performing a low dose CT to screen for the disease.
Participating medical centers include:
- Lahey Clinic, Burlington, MA
- Norton Healthcare, Louisville, KY
- Roswell Park, Buffalo, NY
- St. Joseph's Hospital and Medical Center, Phoenix, AZ
- Swedish Cancer Institute, Seattle, WA
- Sylvester Comprehensive Cancer Center, Miami, FL
- WellStar Health System, Atlanta, GA
We hope that this lung screening initiative will raise awareness of the risks for lung cancer and help assure responsible care for at-risk American veterans. They have given so much in serving us and we strive to better serve them.
Roswell Park: What Veterans Need to Know About Lung Cancer Risk >> http://bit.ly/Sqikfi


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NewswireToday - /newswire/ -
Cleveland, OH, United States, 2011/07/15 - Swift Filters, Inc. has announced a new series of crimped filter elements designed for use in high performance racing filters - Provide All-Fuel Capability - SwiftFilters.com / RHblake.com.
A news series of crimped filter elements designed for use in high performance racing filters has been announced by their manufacturer, Swift Filters, Inc. The Glue-Free MiniCrimp filter elements feature a fully swaged (crimped) design, which eliminates epoxy from their construction. Without epoxy, they are compatible with all fuels, including methanol and nitro methane.
Adapted by Swift from its industrial process filter cartridges, the new elements are unique in the racing industry. They are made entirely of 304 or 316 stainless steel and can easily withstand high temperatures (500° F) and high pressures (up to 300 PSID.) They are unaffected by most corrosive fluids and can be cleaned and reused.
For years weve been asked by major filter manufacturers to supply elements that didnt require epoxy bonding due to concerns about fuel or oil contamination, said Ned Swift, president of Swift Filters. These new designs address these issues while providing stronger construction, higher pressure and higher flow rates. Weve brought the sophistication we provide for similar filter elements for the aerospace and process chemical industries to the racing world.
The new Swift MiniCrimp filter elements can be provided with a variety of end fittings, lengths, and micron ratings. They are available from racing filter manufacturers in a number of different filter housing styles.
Swift Filters (swiftfilters.com) is a major manufacturer of filter elements for the high performance racing industry. The companys elements are on fuel systems in IRL®, NASCAR®, NTPA®, NHRA®, American LeMans, Sprint Car and Offshore Powerboat Competition. All Swift products are manufactured at it facility in Oakwood Village, Ohio.
Written by / Agency / Source: RH Blake, Inc.
Availability: All Regions (Including Int'l)
Traffic Booster: [/] Quick Newswire Today Visibility Checker
Distribution / Indexing: [+]


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Testing runs from 0900 – 1800 hours (with a break between 1300-1400 h) and is open to the race's 56 entrants plus some special invitational cars.
This time next week the teams entered for the third round of the FIA World Endurance Championship, the 90th anniversary of the 24 Hours of Le Mans, will be assembled in France in preparation for the official test day on Sunday, 9th June.
With much of the 14km track being made up of public roads, there is only one test day available to competitors, and it gives teams and drivers their first view of the track which will put them to the ultimate test on 22nd/23rd June.
Testing runs from 0900 – 1800 hours (with a break between 1300-1400 h) and is open to the race's 56 entrants plus some special invitational cars. For example, there will be fourth Audi R18 e-tron quattro present to carry out specific Michelin tyre testing for 2014, plus two Formula Le Mans ORECAS from Team Endurance Challenge although these LMPC cars are not eligible for the 2013 race.
The ACO's Garage 56 entry – aimed specifically at new technologies – will also be running for the first time and many will be looking forward to seeing the Green GT hydrogen-powered car.
In addition to the opportunity to gather set up data, the test day is mandatory for drivers and teams who have never before participated in the 24 Hours of Le Mans, such as the Lotus T128 in LMP2 or the Viper GTS-R in LMGTE Pro. For those drivers who have been away from Le Mans for more than three years, they too must take part in the test day regardless of their history with the race.
A full TEST DAY ENTRY LIST of the cars participating on Sunday is here, and before that all cars will be rigorously checked by the ACO's scrutineers at the Circuit des 24 Heures, these checks taking place on Friday and Saturday 7th and 8th June.


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Robert J. "Bobby" Weishalla age 20 of Elk River.
Preceded in death by grandparents, Robert & Myrna Gustafson; great aunt, Karen Hanson; and cousin, Jon Clough.
Survived by loving parents, Tom & Janet; brothers, Matthew and Nate; grandparents, Pete & Barb Peterson; many other relatives and friends.
Funeral service 11 AM Friday, 12/14/2012, with reviewal 1 hour prior at The Crossing Church, 829 School St. NW, Elk River.
Visitation 5-8 PM Thursday, 12/13/2012, at Thurston-Lindberg Funeral Home, 2005 Branch Ave., Anoka.
Interment Champlin Cemetery. Thurston-Lindberg Funeral Home Anoka 763-421-0220


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The Tennessee Highway Patrol arrested 96 motorists on suspicion of impaired driving over the long holiday weekend.
The extended holiday weekend ran from Friday, December 28 through Midnight on January 1.
Officials reported two suspects refused to take a breathalyzer test which resulted in warrants for a blood sample under the "No Refusal" law.
The "No Refusal" law allows law enforcement officers to seek search warrants for blood samples in cases involving suspected impaired drivers.
Authorities said the goal of the new law, which went into effect last July, is to deter impaired driving and reduce the number of fatal crashes on Tennessee roadways.
Preliminary reports indicate that three people were killed in three separate crashes over the holiday weekend. None of the crashes were alcohol related.
Last year, seven people were killed in five accidents during the New Year's Eve period.
Related Story:
- Dec. 28, 2012: 'No Refusal' checkpoints scheduled during New Year's


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- Chat Blackhawks
- Cheer the Anthem
- Chicago Tribune – Blackhawks
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Tag Archives: Corey Perry
Vermette ends incredible Game 4 in 2OT
Fantasy Chatter: Week 17 Second Half Trade Targets: Buy Low/Sell High
The Week Ahead: Feb 2 – Feb 8
4 Game slates: ANA, BUF, COL, DAL, FLA, NASH, NYI, NYR, SJ, STL, TB, WASH, WINN
3 Game slates: ARI, BOS, CAL, CAR, CHI, CLB, EDM, LA, MON, NJ, OTT, PIT, TOR, VAN
2 Game slates: DET, MIN, PHI
Back to Back games: ANA, BOS, BUF, COL, CLB, DAL, FLA, MON, NASH, NJ, NYI, NYR, PIT, SJ, STL, TB, TOR, WASH, WINN
By Lane Myer
With 13 NHL teams scheduled for four game slates this week it's a prime opportunity to engage in some goalie streaming by checking back to back schedules. Unfortunately, for the those owners that need to protect your goalie ratio stats, I wouldn't necessarily recommend too many of these opportunities given the teams that are scheduled for back to back games this week, really only the Rangers with Cam Talbot, the Sharks with Alex Stalock, and presumably the Lightning with Andre Vasilevskiy look like appealing choices. If you're in a head to head league and can afford to roll the dice a bit more with your ratio stats, this is a good week to do so. Read more
Blackhawks Dispatch Ducks 4-1 For Fourth Win On Circus Trip
By Jon Fromi
The Chicago Blackhawks skated into Anaheim Friday afternoon and took advantage of post-Thanksgiving bargains against a depleted Ducks defense. Chicago dominated most of the action on the way to a 4-1 victory.
With the win, Chicago has won four out of the first five games of its annual November road jaunt. The Hawks were in control throughout the matinee despite a game effort by Anaheim goalie Frederick Andersen.
First Period-The Hawks got their first shot on goal via Brad Richards late in the fourth minute. That attempt, gloved by Frederick Andersen, was followed by some increased offensive pressure on Chicago's part. Anaheim put together a nice shift in the Hawks zone in the eighth minute, though Chicago eventually cleared the puck and posted the first tally of the contest. Read more
Posted in Blackhawks, Game recap, Jon Fromi
Tagged Anaheim, Andrew Shaw, Blackhawks, Brad Richards, Corey Perry, Ducks, Frederik Andersen, Game recap, Hampus Lindholm, Johnny Oduya, Jon Fromi, Kyle Palmieri, Marian Hossa, Patrick Kane, Rene Bourque
Lindbloom's View: Being feisty, and a farewell to Man's and family's best friend
That Great Izaak Walton in the sky – RIP Zoie girl.
By Rich Lindbloom
As I walked down the stairs at 5am on Friday morning, I took a nervous glance at the two hirsute beasts laying on their mats. Our Wheaten Terriorist had taken a turn for the worse recently, and had a growing mass on her back. The night before we noticed she was having a very difficult time walking, also giving up any interest in food. For you dog lovers out there, it had reached the time where you would offer the dog steak or ice cream, anything to try to get them to eat. Unfortunately, we all seemed to know it was only a matter of days before – pick one – Zoie, Zobo the Hobo, Dumb Blonde, Taco or Bird, would breathe her last. Read more
Posted in Blackhawks, Rich Lindbloom
Tagged Andrew Shaw, Avalanche, Blackhawks, Brandon Bollig, Corey Perry, Ducks, Ken Dryden, Marian Hossa, Napoleon Dynamite, Rich Lindbloom, Steve Konroyd, Zobo, Zoie
Hawks pick up a point, but drop 3rd straight in shootout loss to Anaheim
By Jon Fromi
The Chicago Blackhawks twice pulled even Friday night against the visiting Anaheim Ducks but were not able to avoid their third straight defeat. Play went to a shootout but the Hawks were on the short end of a 3-2 decision.
First Period-Corey Perry opened the scoring at the 3:20 mark, tipping in a Ryan Getzlaf shot. Less than a minute later, the Blackhawks responded after Kris Versteeg's drop pass got away from Patrick Kane. Ben Smith took control of the loose puck and wristed home the equalizer through Jonas Hiller's wickets. Read more
Posted in Blackhawks, Game recap
Tagged Anaheim, Antti Raanta, Ben Smith, Blackhawks, Brent Seabrook, Corey Perry, Ducks, Game recap, Jon Fromi, Jonas Hiller, Kris Versteeg, Kyle Beach, Marc Fistric, Nick Bonino, Ryan Getzlaf, Saku Koivu
Late goal gives Anaheim season sweep of 'Hawks
By Brad Gardner
The Anaheim Ducks completed the season sweep of the Blackhawks on Friday at the United Center with a 2-1 regulation win. Ray Emery suffered his first loss of the season because a Sheldon Souray shot deflected off a Blackhawks defenseman in front of the net for the game-winning goal.
Chicago managed just one of a possible six points against the Western Conference rival Ducks on the season. The Blackhawks still hold a three point lead in the standings with one game in hand over Anaheim, who entered the United Center on Friday in the midst of a four-game losing streak.
The Western Conference's two best teams played another tight game with little difference when it came to the shots, hits, and blocked shots. Both teams managed nine shots in the opening period but neither was able to solve the opposing goaltender in the first. Read more
Anaheim Spoils Hawk Homecoming; Ducks prevail 3-2 in the Shootout contest
By Jon Fromi
The Chicago Blackhawks returned to the United Center Tuesday to take on the team directly below them in the Western Conference standings, the Anaheim Ducks. The 'Hawks led after two periods, but lost the lead late and suffered a 3-2 shootout loss to begin a seven-game home stand.
Viktor Fasth won his sixth straight start this season, stopping 28 of the 30 shots managed by the Blackhawks.
In the opening period, Chicago had a nice chance created by Brandon Saad, who won a battle for the puck, took it into the Ducks zone and passed to Jonathan Toews. Toews got behind the net and set up Saad in front of the net, but Fasth stopped the attempt. Read more
Posted in Blackhawks, Game recap, Jon Fromi
Tagged Anaheim, Andrew Cogliano, Ben Lovejoy, Blackhawks, Brad Staubitz, Brandon Saad, Bryan Bickell, Corey Crawford, Corey Perry, Ducks, Francois Beauchemin, Jonathan Toews, Nick Bonino, Nick Leddy, Patrick Kane, Patrick Sharp, Recap, Ryan Getzlaf, Viktor Fasth
Toews-less Hawks don't look much like Hawks at all, Dismal weekend effort ends in 3-1 loss at Anaheim
By Brad Vandenberk
The Chicago Blackhawks finished their California weekend road swing in Anaheim versus the Ducks Sunday evening. The night earlier saw Los Angeles King, Dustin Brown bury three goals and a helper, as the Hawks were shutout 4-0. The Ducks are looking to make a strong run to fight for a tight Western Conference playoff spot. Hawk's Captain Jonathan Toews remained in Chicago for this trip and missed his 3rd consecutive game with an upper body injury. Niklas Hjalmarsson was also held back. With two leaders off the ice, the road team needed to fight hard to beat a talented Ducks squad.
Ray Emery got the coach Q nod for the start with Jonas Hiller getting his 21st straight start for the Ducks. Marcus Kruger played on the top line with Patrick Kane and Patrick Sharp. Brendan Morrison centered Marian Hossa and Viktor Stalberg. Dave Bolland was with Andrew Brunette and Bryan Bickell. Finally, Jamal Mayers had Michael Frolik and Jimmy Hayes on either side. Read more
Hawks win shootout competition, thus earn two points, 3-2 victory over Anaheim Ducks
photo credit: Yahoo! Sports
By Brad Vandenberk
The Anaheim Ducks flew into the United Center on Tuesday to take on your Chicago Blackhawks. The Hawks were coming off a shootout loss to the Colorado Avalanche on Saturday night, while the Ducks were beginning their 7 game road trip after losing their last 2 at home.
Corey Crawford started in net for the Hawks, while his bobble heads filled the arena. Jonas Hiller, starting goalie for the Ducks, was tested early on in the game, as the Hawks found themselves owning the offensive zone; even the fourth line had a few chances to score.
The Hawks got their first power play of the game as Corey Perry, flipped the puck over the glass and was called for Delay of Game. Although the Hawks were one man up, they couldn't break the score. Not long after Perry's penalty expired, Sean O'Donnell was called for tripping, and the Ducks 2nd ranked penalty kill in the league received their first test of the night. Read more
Posted in Blackhawks, Game recap
Tagged Blackhawks, Blue Jackets, Bobby Ryan, Brad Vandenberk, Brent Seabrook, Corey Crawford, Corey Perry, Dan Carcillo, Dave Bolland, Ducks, Duncan Keith, Jamal Mayers, Jonas Hiller, Jonathan Toews, Marian Hossa, Michael Frolik, Niklas Hjalmarsson, Patrick Kane, Patrick Sharp, Ryan Getzlaf, Sean O'Donnell, Teemu Selanne


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By Tristan Higbee
From: Ogden, UT
Jun 30, 2010
There's a PDF version (better for printing) here.
If you just print the JPG above, chances are good that the bottom part of the map will be cut off. If you for some reason really don't want to download and print the PDF, just copy the larger version of the JPG above into a Word document and print it.
|Avg Score
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With three games on tap for this week, the Mayer Lutheran boys' soccer team is still searching for its first win of the season after falling 3-1 to PACT Charter last week in the heat.
Against PACT on Aug. 27, the Crusaders handily had more shots at the goal than PACT, 31 over 15 in fact. Twelve of the LHS shots were on goal, over just three from PACT.
In the first half, PACT was able to sneak two goals passed LHS and led 2-0 at the half.
In the beginning of the second half, senior Nick Hix scored LHS' only goal of the game, a shot that head coach Josh Hanley called "a wonder goal."
From about 30 yards out in the corner, on a full volley with his weak foot, Hanley said Hix's goal was a must-see.
"That just doesn't happen," Hanley said. "It was a pretty amazing goal."
PACT Charter would log one more goal (actually it was LHS scoring on themselves accidentally) to take the game 3-0.
The Crusaders are on the road this week at Concordia Academy and Rockford (Sept. 5) before hosting Bethany Academy on Sept. 7. With seniors Christian Bakke and Matt Scanlon back in the starting lineup, Hanley said most of the games coming up are not out of reach for the Crusaders.
"What it boils down to is execution," he said. "When we start executing, we'll be a really good team."
He added that in practice, old rivalries are fading and the team is starting to gel.
"We have a much improved team," he said. "The guys are starting to click … it's good all around."
Contact Melissa Marohl at [email protected]


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Final Fantasy VII
How Do I see the scene of Zacks Death?
I read that If i talk to Zack's parents in Gongaga that I would see a scene of Zacks death at the hands of the shinra army, im on disc 3 and have talked to his parents so I was wonderering if anyone could help me figure it out
Kratos3100 - 8 years ago
Top Voted Answer
All I had to do to see the hidden scene was enter the basement in the Shinra after cloud finds himself and I got the scene
blitzace65 - 8 years ago
by going into Shinra mansion and opening one of tanks there (they're on right side of the room when you enter labratory. There's only 2-3 of them and they have some green liquid in them, I don't remember at which part of game tho.
unikat - 8 years ago
If you go to the Shinra mansion basment during disk three,
look for a couple of containers in the corner of the room. Cloud should have a flashback about Zack as they return to Midgar. All you have to do is check one of the containers.
Last_Remaining - 8 years ago
Yeah just enter the basement and walk towards the containers and it should show it to you.
KratosLover - 8 years ago
Enter the basement of shinra mansion in Nibelheim and enter the lab there, this has do be done after you get Cloud back after he slips down into the lifestream.
Omni_1337 - 8 years ago
This question has been successfully answered and closed.
More Questions from This Game
|Hidden Zack and Cloud scene?
|Gold Saucer Date Scene?
|Whare do i find yuffie in wutai after the scene with her and her father fighting?
|Vincent's UW, Death Penalty?


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… is here. Every year since nearly the beginning of the Blogosphere (since last year, at least) Joh Swift has produced a special compilation of the best of the year among a wide range of bloggers. These are self selected blogs and each comes with a little writeup and in some cases an LOL cat.
I highly recommend this compilation!


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COLORADO SPRINGS, Colo. (AP) — With evacuees anxious to return, firefighters worked Sunday to dig up and extinguish hot spots to protect homes spared by the most destructive wildfire in Colorado's history.
The labor-intensive work is necessary because extremely dry grass and trees could quickly ignite if wind stirs up hot spots in the densely wooded Black Forest near Colorado Springs.
Firefighters did get some help from the weather as steady rain moved through the area Sunday afternoon. But that weather came with some lightning, which sparked a small grass fire near one home.
"Every bit of rain helps the crews mop up. It's just adding another nail in the coffin," fire spokesman Brandon Hampton said.
Nearly 500 homes have been burned by the 22-square-mile fire, which is 65 percent contained. Crews hope to have it fully under control by Thursday.
Even though the fire was no longer active enough on Sunday to produce a large smoke plume, El Paso County Sheriff Terry Maketa said it wasn't safe for people to return home until roads and downed power lines were repaired.
Additionally, the death of two unidentified people trying to flee the fire was still being investigated. Maketa said he was in no rush to have people return to an area that, at least for now, was still being considered a crime scene.


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php command line scripts
I just discovered that php can be used to write shell scripts. Anyone ever try this?
php command line
Most web developers use this as well as the DB connecting functions to create dynamic contect generation.
This is a rather excellent feature of PHP, and it really makes sense when:
- You have an existing body of code that you are running within your webserver, and you want to leverage that when writing maintenance scripts, e.g. cron jobs.
- You're an experienced PHP developer, but are not familar enough with the UNIX shell, or other scripting options languages like Perl and Python.
How does this work? I heard about it but i have no idea how that goes.
It is good to test quickly some php code...
php -r 'echo str_replace("borks", "rocks", "php in command line borks")."\n";'
|All times are GMT -5. The time now is 03:57 PM.


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BANNED-- nick berg killed in Abu Ghriab Military base
evidence proves nick was killed in military base
By: markusjohnson | Comments: 41 | Views: 21196 | Votes: 2 | Shared: 2
Leaked: Feb-1-2011 in Other
Abu Ghraib & Nick Berg
Ever since the Abu Ghraib prison pictures were released, I've been struggling to process them. There is something viscerally repellant about them, and to whatever extent some of them represent viola
By: russian44 | Comments: 0 | Views: 32215 | Votes: 8 | Shared: 0
Leaked: Nov-18-2008 in Other
Michael Berg - Pacifist defends Zarqawi
"I see more death coming out of al-Zarqawi's death," Michael Berg, the father of Nicholas Berg, told the Associated Press after learning the al-Qaeda in Iraq leader had been killed by a U.S. airstrike
By: Dat1111 | Comments: 52 | Views: 14621 | Votes: 1 | Shared: 28
Leaked: Mar-26-2008 in Iraq, News
Brian Williams Drops Claim He Was Beheaded by Al Qeada
NEW YORK – NBC news anchor Brian Williams has publicly dropped his claim that he was personally beheaded by al Qaeda in Iraq, saying he had misremembered the event. Williams, known as 'The Most
By: BunkerGearGal | Comments: 64 | Views: 7915 | Votes: 17 | Shared: 677
Location: New York, New York, United States | Leaked: Feb-8-2015 in WTF
How I see it, Part 14; My message to Obama, the EU
This message is for Obama. The difference between Obama and Bush jr. is that Bush was in uniform when he avoided going to Vietnam by making his harrowing escape from Texas to Alabama to avoid bein
By: Paul Snieder | Comments: 49 | Views: 3605 | Votes: 7 | Shared: 0
Location: West Virginia, United States | Leaked: Sep-5-2014 in Other Items from Liveleakers
James Foley Beheading Faked ?
Before you all start commenting based on your emotions hear this out. I've come across this comment from a fellow Reddit user and thought I'd share. 1) Zero fear and zero emotion on the part of th
By: AfricanZuluKing | Comments: 282 | Views: 34366 | Votes: 10 | Shared: 592
Location: Syria | Leaked: Aug-21-2014 in Conspiracy
James Foley's Video is a Fake
1) Zero fear and zero emotion on the part of the victim and the aggressor. He doesn't look or sound like he's about to get a knife zigzagging through his esophagus. When he "blames" his brother, there
By: PaulieWalnuts | Comments: 118 | Views: 65837 | Votes: 13 | Shared: 1500
Leaked: Aug-20-2014 in Other
LiveLeak Live Show Chat Transcript 31/10/2013 - Happy 7th Birthday LiveLeak!
Happy 7th Birthday and Halloween LiveLeak! A great show tonight and some really funny chat! You are all total nutters but I love you for it. Here's the transcript from the chat from the live show toni
By: internize | Comments: 87 | Views: 75861 | Votes: 11 | Shared: 0
Leaked: Oct-31-2013 in Other Entertainment, Your Say, Other Items from Liveleakers, Other
A Geert Wilders production....Fitna (review)
http://www.truthbeknown.com/fitnareview.html In my review here, I will be reproducing the pertinent surahs with additional verses at times from a different translation (where noted) that is somewha
By: english-patriot33 | Comments: 50 | Views: 5853 | Votes: 6 | Shared: 6
Location: Netherlands | Leaked: Mar-14-2013 in Other News
Upon Hearing The Phrase "Allahu Akbar "
Although most often translated as "god is great," Allahu Akbar is Arabic for "god is greater," or "god is greatest." Allahu Akbar means 'God is the Greatest', meaning that nothing can supersede
By: Thickhanger | Comments: 34 | Views: 6307 | Votes: 0 | Shared: 19
Leaked: Sep-2-2012 in Religion
Pissed off Housewife
I have to admint... I feel this way also but she put my feelings into words for me... Written by a housewife in New Brunswick , to her local newspaper. This is one ticked off lady... "Are
By: blindmonkeysmojo | Comments: 117 | Views: 10445 | Votes: 6 | Shared: 78
Location: San Diego, California, United States | Leaked: Jan-27-2012 in Citizen Journalism
Israel Framed CIA in Backing Terrorist Group Jundullah
"By way of deception, thou shalt do war" - Mossad's motto By Mark Perry January 13, 2012 Original article: http://www.foreignpolicy.com/articles/2012/01/13/false_flag False Flag A series of CIA
By: Strelok | Comments: 13 | Views: 7066 | Votes: 0 | Shared: 0
Location: Israel | Leaked: Jan-16-2012 in Other Middle East


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Skinny Puppy's new album is about to be released. Like a lot of old Industrial or EBM bands I lost faith that I would hear much new stuff that I would be interested in. However, when I heard the song 101 (2011) by the SP related Ohgr project I knew somewhere the old fire existed. Well here we have the new album Weapon and Skinny Puppy bought some of their old equipment back, dusted off other toys left in closets and return to their roots. You can hear a full preview of the new album at Revolver Mag (link). Listen to the songs Wornin', saLvo and the new version of Solvent and you are transported.
"Wow! Sounds like Skinny Puppy again." – Alexis Latorre
For more info: skinnypuppy.com


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Compare Excel | Excel Templates | DownloaderXL Pro
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I don't know the correct terminology to use to research how to fix this problem. Please bear with me.
I want to satisfy two If statements, then substitute one of two answers in a cell.
Let's say that cell D11 says "Yes" and D12 Says "No"
How do I create a formula that puts N/A in a cell if D11 is Yes and D12 is No or puts "Correct" in the cell if both conditions are not met?
I know how to do it with one if statement
*=IF(D11 = "Yes", "N/A")* but I can't figure out how to say
If D11 = "Yes" and D12 = "No", "N/A" and, if not, "Correct"
Please help
Thank you so much. I just couldn't figure out how to combine the two statements.
I took the logic from your response and added it to my real formula and it worked great but I still want to tweak it a bit and need your help.
The statement below says if D11 = Yes and D12 = No and the month from the date in cell I5 is less than 7, write 1/1/2006 and if the date is more than 7, write 7/1/2006.
The formula works great. How can I tweak it a bit to satisfy my real aim which is to have the contents of the cell to change to 1/1/2006 or 7/1/2006 or N/A depending on the contents of both cells, D11 and D12. If either D11 or D12 is "Yes" then I want the date to changed as indicated above, but if D11 and D12 are both "No" then I want the cell to state "N/A".
My eternal gratitude. Thank you very much.
You seem to be have the basic Idea of 'IF...THEN which is:
'If this is true, DO this, else DO this'
Now we move on to truth tables:
AND means both must meet the criteria for the test to pass, otherwise the test fails.
OR means one must match criteria for the test to pass, if neither matches then fail.
So we have 1st test:
If (D11="no" _AND_ D12="no") is True (both are NO), Do (echo) "N/A".
1st test failed? Do 2nd test...
If (D11="yes" _OR_ D12 ='yes") check date. Greater than 7?, Do this, else Do this.
And here 'tis with the correct syntax:
It worked. Thank you so much.
I understand the logic but how do you learn how to set the formula up?
I know how to do the basics in Excel and there is so much that Excel can do that I will never need to learn.
Is there are simple course that someone can take through this Forum or a book that can help me learn simply how to manipulate dates.
A really grea tplace to start is C.Peasons pages about dates and times at
Try Excel dates and times in a web search too.
You are not kidding. It is a great site. Now I have two great Excel sites.
Any ideas about similar sites for Word or Crystal Reports?
I'm getting greedy now. My apologies.
Hi, Here's a link to experts-exchange, another board which has ALL apps including Excel, Word, VBA, etc etc!
There are currently 1 users browsing this thread. (0 members and 1 guests)


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Latin American carrier Copa Holdings SA (CPA) posted impressive revenue and air traffic results for the month of Feb 2013.
Consolidated revenue passenger miles or RPMs for the month grew 17.4% from the prior-year quarter to 1,086.2 million. Although domestic revenue from passenger miles registered a 12.8% year-over-year decrease, internationally RPM improved 18.8%.
Capacity or available seat miles (ASMs) were 1,423.8 million, up 16.9% year over year, with international growth of 18.3% offsetting the 12.5% drop in the domestic arena.
Load factor on the domestic front was down 30 basis points (bps), while on the international field it registered a 30 bps growth. On a consolidated basis, load factor stood at 76.3% compared with 76.0% recorded in Feb 2012.
For the first two months of this year, on a consolidated basis, Copa generated RPMs of 2,351.4 million (up 19.5% year over year) and ASMs of 3,013.8 million (up 19.1% year over year), while load factor was 78.0%, reflecting an improvement of 30 basis points.
The passenger and cargo services provider failed to match our expectation on the earnings and sales fronts in the fourth quarter of 2012, although the results grew on a year-over-year basis. The company's operating income also declined from the prior-year quarter's results due to an increase in fuel charges coupled with a decline in operating revenue per available seat mile.
In the coming months, Panama-based Copa expects to benefit from the various strategic initiatives targeted to boost the profitability level. These include expanding the company's horizon by increasing the flight frequencies, revising the fleet structure and reaching out to new destinations.
During 2013, the company is slated to add seven new The Boeing Company's (BA) 737-800 Next Generation aircraft to its fleet. Designed with attractive and advanced Sky Interior, these new jets will bring the company's total fleet to 90 aircraft.
Copa currently holds a Zacks Rank #3 (Hold).
Other Stocks
Other stocks operating within the airline sector that are worth considering are Ryanair Holdings Plc (RYAAY) and SkyWest Inc. (SKYW). Both the firms currently hold a Zacks Rank #1 (Strong Buy).
Read the Full Research Report on CPA
Read the Full Research Report on BA
Read the Full Research Report on RYAAY
Read the Full Research Report on SKYW
More From Zacks.com


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On Thu, 28 Jan 2010, Tom Lane wrote: > > > Depending on which test, I get either: > > > LOG: could not accept SSL connection: sslv3 alert certificate unknown > > LOG: could not accept SSL connection: peer did not return a certificate > > > ...which seems to (strongly) suggest that it's requiring not only an > > encrypted connection but that the user present a certificate. > > I think that at least around 8.2, the postmaster interprets the presence > of root.crt as indicating that it should demand client certs. Better > check the docs though (and this is something I think Magnus changed in > 8.4, but not totally sure, so be sure to check the right version of > the docs). > > regards, tom lane Thanks again, Tom. ...I reviewed the release notes this AM and going through your comments, etc, I decided to try SSL on a new pg installation. Just to be pedantic, I created the ssl files in a separate directory - instead of ~/data. This gave the ability to satisfy the server with a key at a time. I then started the server by hand and let it complain. I then copied over each file, one at a time to satisfy its demands: -bash-3.2$ postgres FATAL: could not load server certificate file "server.crt": No such file or directory -bash-3.2$ cp -p ssl/server.crt . -bash-3.2$ postgres FATAL: could not access private key file "server.key": No such file or directory -bash-3.2$ cp -p ssl/server.key . -bash-3.2$ postgres LOG: could not load root certificate file "root.crt": No such file or directory DETAIL: Will not verify client certificates. ...And it sat there. It took a moment to realize that even though it complained about root.crt, it was up and accepting conecions but it wasn't going to ask for certs. Apparent Success! I wondered to myself if I hadn't had success previously but had errantly kept going by satisfying its complaint about root.crt, and had the server up but demanding keys. So, I checked this hunch; My former installation's ~/pgstartup.log had been overwritten already, so there was no telling from the log. So, I removed and rebuilt the keys the same way as the new installation and had the same apparently successful result! The _first_ test for non-certificated ssl connection worked flawlessly. Conclusions: 1) I had apparently fat-fingered the keys (pun-intended) by going beyond what was required. 2) I was too focused on the _error_ contents of ~/pgstartup.log to notice that the server had in fact started and that I'd reached success. 3) Cross version can work for mixing at least the several different versions I'm using (though I agree with the suggestion to start with a consistent version environment). 4) While it was completely my fault I didn't have success earlier, some kind of reference to PGSSLMODE would be a great addition to: http://jdbc.postgresql.org/documentation/80/ssl.html and / or on some of the more obvious SSL-related pages. Similarly, a comment like "stop here if you don't want user authentication via ssl certificates; you will see a request for root.crt which you must ignore." somewhere on this page would be great: http://www.postgresql.org/docs/current/static/ssl-tcp.html And, perhaps a comment about not assuming cross-version success between clients and servers somewhere in the mix would be helpful, too. These suggestions are NO COMPLAINT OR CRITICISM. It was my fault I missed these points. Generally, the PG docs are world-class. Thanks again, Richard -- Richard Troy, Chief Scientist Science Tools Corporation 510-717-6942 rtroy(at)ScienceTools(dot)com, http://ScienceTools.com/
Next: From: Mazen Abdel-Rahman Date: 2010-01-29 17:21:58 Subject: XPATH function called with Date String Previous: From: Steve Crawford Date: 2010-01-28 19:10:53 Subject: Re: PG_STAT_DATABASE


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Preventing bad breath is easier than you think. We know some of the causes of bad breath, but have you ever asked yourself "How do I prevent bad breath for good?"

Eliminating Bad Breath

The following guidelines will help you eliminate or significantly reduce your halitosis. If you experience chronic bad breath, see your dentist or doctor as there may be a more serious cause for the embarrassing condition.

Prevent bad breath by brushing your teeth and flossing twice a day, especially after meals that contain food and spices known to cause bad breath. Remember to brush your tongue, or try using a tongue scraper, to remove any trapped food and plaque caught in the tiny hair-like fibers on the tongue. Finish off your brushing by rinsing thoroughly with water or mouthwash.

Prevent bad breath by visiting your dentist on a regular basis (every six months or as indicated by your dentist) for a complete examination of your teeth and gums and thorough cleaning by the dental hygienist.

Preventing bad breath is achievable when you have dental problems treated as they occur, such as tooth decay, gum abscesses, and abscessed teeth.

An easy way to prevent bad breath is to chew parsley after a meal. Parsley contains chlorophyll, a known breath freshener.

Place a few drops of tee tree oil or peppermint oil on your tongue or use the oil on your toothbrush along with your toothpaste. Alternatively, select a toothpaste or mouth rinse that contains these natural oils known for their antibacterial properties to assist in the fight against halitosis causing bacteria.

Preventing bad breath from smoking is easy when you take the necessary steps to quit smoking, as this is the only way to eliminate bad breath from the use of cigarettes, which is also responsible for periodontal disease.

Avoid foods known to cause bad breath such as garlic, onions, cabbage, certain spices, and coffee.

A dry mouth, also known as xerostomia, is a major factor when it comes to bad breath. Sip water throughout the day and during meals. Chew sugar-free gum or dissolve a sugar-free candy slowly in your mouth to keep help produce more saliva.

The use of sugarless gum, mints, breath strips, or breath spray may increase the flow of saliva in your mouth necessary to keep it cleansed throughout the day, plus add a crisp, minty aroma in place of your bad breath. Keep in mind that even though these products do freshen your breath, the effects are usually temporary and do not necessarily prevent bad breath. If you are using breath fresheners on a regular basis, consider choosing one that contains xylitol, a sweetener that some studies have shown to reduce cavities. Avoid products that contain sugar to prevent the accumulation of plaque.

Occasionally use a mixture of 50% hydrogen peroxide and 50% water, as a mouth rinse. Hydrogen peroxide will help kill the bacteria that cause bad breath.

The use of commercially marketed breath freshening kits and bad breath remedies may help prevent bad breath, although there is generally insufficient research that had narrowed down a cure for bad breath. Ask your dentist or pharmacist before you invest in these products.

Sources

California Dental Association "Xylitol The Decay-Preventive Sweetener"

Dr. Rita Louise "How Bad is Your Breath?"


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Diane Wilson and Nobody Particular featured in new Zinn Education Project teaching guide
The Zinn Education Project (which promotes the use of Howard Zinn's best-selling book, A People's History of the United States, in classrooms across the country) has a new teacher's guide available that includes two Chelsea Green authors.
The guide – a companion piece to a film about Daniel Ellsberg called "The Most Dangerous Man in America" – is available for free download online. Featured in the document are Molly Bang's graphic novel Nobody Particular: One Woman's Fight to Save the Bays (which tells the story of shrimper-turned-environmental-activist Diane Wilson in striking illustrations), as a recommended resource for teachers, and also Diane Wilson (author of An Unreasonable Woman and Holy Roller) herself. It sounds like a great resource for anyone involved in education, especially those focused on teaching the history of the Vietnam War to middle and high school students. Be sure to check it out!
More from the Zinn Education Project's announcement:
The Zinn Education Project is pleased to release a 94-page teaching guide on the film The Most Dangerous Man in America: Daniel Ellsberg and the Pentagon Papers . The teaching guide offers eight lessons on the Vietnam War, Daniel Ellsberg, whistleblowing, the Pentagon Papers and more — for U.S. history, government, and language arts classrooms. The Most Dangerous Man in America Teaching Guide offers a "people's history" approach to learning about the U.S. war in Vietnam and engages students in thinking deeply about their own responsibility as truth-tellers and peacemakers. The guide uses a variety of teaching strategies, including role play, critical reading, discussion, mock trial, small group imaginative writing, and personal narrative. Developed by the Zinn Education Project in collaboration with The Most Dangerous Man in America filmmakers Judith Ehrlich and Rick Goldsmith, the teaching guide is available for free download at the Zinn Education Project (Rethinking Schools and Teaching for Change) website.


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Peek...aren't you curious Change The World Tees
Trendtotting: Change the World Tees
If last year's election taught us anything, it was that America was ready for change. But 2008 wasn't the first time the world experienced a tide change, it has always been part of our history. The clever folks at Peek . . . aren't you curious are hoping to teach the next generation about previous historic moments with their Change the World tees ($28-34). The shirts, featuring historic occasions like the day Rosa Parks boarded the bus to a quote from Ghandi, were designed to "create a dialog between parents and children about history, our country, and our future." The 100 percent cotton tees may just inspire a new round of public service in our lil one's futures.


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It only takes a minute to get started. Fill out our uncomplicated sign up form and login to the website.
This step is up to you but will greatly boost your chances of getting noticed by other people on the site. Write a little something about yourself, your pasttimes and upload some good photographs of yourself.
Use our website's advanced search to uncover members who satisfy your criteria. Or just flip through listings and uncover folks that arouse your interest.
Discovered someone who takes your fancy? Send a message to them or just a wink and await their reply. With a little luck you'll be on your way to true love.
It only takes a few minutes


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Our approach
"Ensuring environmental sustainability" is the seventh Millennium Development Goal. The Department of Peacekeeping Operations (DPKO) and the Department of Field Support (DFS) are working towards these goals and wish to lead by example in the countries in which we operate.
UN Photo/Martine Perret
A peacekeeper standing in a rural area of the Democratic Republic of Congo.
We acknowledge that our current environmental footprint is significant, representing 56% of the 2008 total UN-wide greenhouse gas emissions footprint. It will take several years to change our practices to reduce our emissions, and to reduce our direct impact on the ground by improving water and waste management.
Greening the Blue Helmets
DPKO and DFS are active members of the UN-wide working group on sustainability management, and we promote Greening the Blue which is the official UN campaign to make a more sustainable United Nations. We have also partnered with the United Nations Environment Programme (UNEP) to take advantage of their long-time expertise in to the field.
Since June 2009, DPKO and DFS have a dedicated Environmental Policy for UN Field Missions. It covers key areas such as waste, energy, water, hazardous substances, wild animals and plants and cultural and historical resources management.
Our approach is to mainstream the environment in all operational activities during the life-cycle of a peacekeeping operation. Planning and mission staff involvement is therefore key.
We also integrated environmental considerations into our new Global Field Support Strategy [A/64/633] , with the aim to improve:
- The health, safety and security of both UN staff and surrounding local communities;
- The cost-effectiveness of our operations, through inter alia, prevention of costly remediation works.
Environmental sustainability, unlike other crosscutting issues managed by field missions (such as gender or HIV/AIDS), does not have a specific Security Council resolution.
International days
Each year, a number of international days are set aside to promote environmental issues:
- World Water Day (22 March)
- International Mother Earth Day (22 April)
- World Environment Day (5 June)
- World Day to Combat Desertification (17 June)


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Special Thanks For All The Birthday Wishes From Facebook Friends
I just had to do this. It's rare when you get "bombarded" on Facebook. In fact I can't say I've ever had this happen before. I'm trying to write back to you all, but in case I missed a few-
How can I thank you enough for your good wishes? It's a little bit mind boggling that you would take time out to do that. I mean, hell -we all have birthdays. What's the big deal!
Sean and Levack surprised me with a cake on the air .Here's a picture
You never let up on the "old" jokes, huh guys? Oh well, I forgive you. it was the thought that counted. They also chipped in and bought me 4 Scratch off Lottery tickets
A total of 48 numbers to scratch off. You think one of them would have created a new instant millionaire. No dice.
Doesn't matter though. I felt very lucky today simply from all the well-wishers amongst you. Thanks so much. Now I have to go for my nap (it's an age thing). Anybody else out there as old as me? (I'm now 59). Probably not, but if you have any suggestions on how to cope with that number, please leave your comments. I still can't believe it.


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Subject: Upcoming IPO - Texmo Pipes / IPO Listing - Jubilant Foodworks
Hello Friend,
1. Upcoming IPO - Texmo Pipes & Products Ltd
Texmo Pipes is entering in the capital markets with an initial public offering, IPO of 50,00,000 Equity Shares of Rs. 10 for cash, at a premium to be decided through a 100% Book Built Issue. The price band for the issue has been fixed at Rs 85/- at lower level and Rs 90/- at upper level for equity share of Rs 10/-.
The issue opens on February 16, 2010, and closes for subscription on February 19, 2010. The equity shares of the company are proposed to be listed on the Bombay Stock Exchange (BSE) and National Stock Exchange (NSE).
Click on the below link to find more detail about Texmo Pipes & Products Ltd IPO:
2. Jubilant Foodworks IPO will list on Monday, February 08, 2010. Issue price of this IPO has been fixed at Rs 145/- per share. Jubilant Foodworks IPO subscribed 31.11 times(3.7854 times in retail).
IPO Listing Detail
Listing Date: Monday, February 08, 2010
BSE Script Code: 533155
NSE Symbol: JUBLFOOD
Listing In: 'B' Group of Securities
Issue Price: Rs. 145.00 Per Equity Share
Face Value: Rs. 10.00 Per Equity Share
Click on the below link to find more detail about Jubilant Foodworks IPO and Jubilant IPO Listing Day Trading Info:
3. NTPC Limited FPO subscribed 0.80 times(0.0334 times in retail) on it's day 2. Issue was open on February 03, 2010 and closing today for subscription. Click on the below link to find detail Bidding Status about NTPC Limited FPO:
Good Luck!
Chittorgarh.com Team


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Wisconsin, located in North Central United States, is one of the American states that boast steady home value prices. With over 5.5 million residents, the state has a wealth of amazing houses to choose from. Wisconsin has a strong and well balanced economy, not to mention, the countless amenities and tourist attractions that make it a great place to live. The real estate market is always busy here and houses sale at a decent pace as long as they are not priced over $500,000.
With the average household size of 2.5 people, Wisconsin earns a median household income of $52,094. The estimated value of median house or condo value in the state amounts to $173,300. The detached houses median for the state is $216,149 whereas for other attached units it is $202,819. For two unit structures the median price is $169,068 and for three to four unit structures the median price is about $186,164.
Wisconsin has over 300 cities and towns in total. The most popular cities include Green Bay, Oregon, Sheboygan, Dakota, Found du Lac, Janesville, Wyoming, Richmond, Madison, River Falls, Marshfields, and Cedar Rapids. The city of Franklin is considered one of the greatest places in Wisconsin as a popular suburb ofMilwaukee. The main reason for the popularity of Milwaukee is the availability of all the uptown amenities, yet maintaining the suburban, small town look and feel. The city of Franklin has many companies which offer appreciable pay and other employee benefits operating in the Milwaukee area. Franklin, despite being a fast-growing, bustling city, is a great place for families with best schooling systems and affordable house rates. The city is also very safe and has extremely low crime rates and boasts to have the most efficient police force.
Hales Corners, Wisconsin is yet another city, perfectly suitable for families to move into. With ample job opportunities in the surrounding area, Hales Corner is just as good as Franklin though by size it is quite smaller. The small town is known for the high affordability of houses and friendly neighborhood. The city of Neenah is considered the fastest growing city in Wisconsin; the average household income amounts to $81,880. About one-third of the population in Neenah is employed in the Industrial manufacturing sector. Paper and plastic industry, printing, food production, machinery, transportation and security are the major industries contributing to the rapid development of the city. Madison is yet another popular city of Wisconsin. It is the capital of Wisconsin and the county seat of Dane County. The esteemed University of Wisconsin is located in this particular city. Madison, besides having a stable economy and all the conveniences of a city, is also a very safe place for your family, with really low crime rates and has been acknowledged as the safest city a couple of times. These are just few of the great places of Wisconsin. There are many other cities of Wisconsin that are equally good and reliable for a family to live in.
The Federal Housing Administration of America has helped many fulfill the dream of owning a house. The housing administration does this by issuing mortgage insurance on loans created by authorized lenders throughout the United States. The FHA has various programs and guidelines that differ from state to state.
Choosing a mortgage is an important and personal decision that has to be made after thorough considerations and research. Choosing the right mortgage depends on how long you are planning to keep the home and your current financial status, level of annual income and debts. Also choosing the right mortgage involves proper knowledge of all the terms involved and regulations followed. Considering the weight of deciding the right mortgagee, it is recommended to approach an expert to analyze your current status and future prospects, to help you choose the best mortgage that will not cause any strain on your finances, at the same time proves highly beneficial. The lenders for Wisconsin either use mortgage or a deed of trust. The major Mortgage types of Wisconsin are explained below.
Fixed Rate Mortgages are the most popular type of mortgage in the city mainly because of its stability and simplicity. A fixed term along with a fixed interest exists from the start of the mortgage. The monthly amount of payment, for homeowners with Fixed Rate Mortgage, for the settlement of the principal and interest will not change during the fixed term of the mortgage, i.e., the homeowner pays an equal amount of monthly installments. This makes the Fixed Rate Mortgage undemanding and easy on one's finances, creating stability. In Fixed Rate Mortgage, the better part of the initial payments is used to square the interest on the loan and the remaining payment is used to pay off the principal. Fixed Rate Mortgage is highly beneficial, especially if you are able to find a low interest rate.
In the case of Adjustable rate mortgage, the interest rate on the mortgage is subject to continuous change. The interest rate is adjusted according to the current interest levels of each month. Depending on this rate changes, the mortgagers monthly payment for principal and interest might rise or drop. This type of mortgage can be adjusted through the years. For instance, the first few years of mortgage can be fixed and the mortgage rates for remaining years could be adjusted. This is perfectly suitable, especially for those with a limited cash flow in the present and expects more earnings in the future, just right to handle the ups and downs of the rate levels. Also the rates could notably differ in the future from current rate levels; this mortgage would prove beneficial during high-interest periods. This mortgage is also the most advantageous one for those who would move from their houses in less than 10 years. There is a wide array of diverse Adjustable Rate Mortgages available, among which annual or two year adjustment period is the most popular ones.
The Balloon Mortgage is very similar to the Fixed Rate Mortgage in that, the payments are made in equal installments. They differ from Fixed Rate Mortgage in that the loan is not completely amortized over the initial term. A principal balance remains after the payment of initial term, which is paid in full or by re-financing at the end of initial term accordingly.
Second Mortgage is for those who already own a home but require financial assistance with renovations, or paying off bills. Such individuals can consider Equity line of Credit or a Home Equity Loan that enables individuals to draw on their home equity and acquire the required amount of money.
Mortgage refinancing is yet another way of Wisconsin homeowners to increase cash inflow and reduce their monthly mortgage payment. This also enables the homeowners to reduce or lengthen the loan's term as desired and take advantage of low interest rates. Individuals can borrow against the equity built up in their home at a lower cost than they can loan from other sources. But a lot of considerations have to made while going for mortgage refinancing. Note that when you lengthen the period of loan with refinancing, you will actually end up paying more money on interests accumulated over time. Refinancing also involves repayment of closing costs, so make sure that closing cost of your home is not very high. In case of your home having high closing cost, you will have to settle for home equity loan or loan modification.
Wisconsin is basically a non-recourse state. In the event of the borrower's default on paying the settlements of the loan, the lender can only foreclose on the collateral and the individual is not personally liable for the loan; in case of a non recourse loan, the loan is considered to be secured by the property and not the individual.
The Wisconsin State allows both Judicial and non-Judicial foreclosure and the timeline is about 90 days. However, the lenders often use mortgage with right to sale and prefer to foreclose non-judicially. Right of redemption is available prior to the sale being confirmed by the court. The state also permits deficiency of Judgment.
The judicial process of foreclosure requires the lender to file a lawsuit with appropriate documents to procure court order to foreclose. The lender must also issue a notice of the court filing to the borrowers and other parties with an interest in the property to obtain the foreclosure ruling. The law also requires the lender to warn the borrower before filing with the court. Once the judgment of foreclosure has been issued by the court, the borrower gets a reinstatement period to pay off the owed amount and stop the foreclosure. This redemption period varies between 2 months for abandoned properties and 6-12 months for other properties, depending on various factors.
Non-judicial Foreclosure is applicable only if the power of sale is clause exists in the deed of trust. The power of sale clause in the mortgage or deed of trust authorizes the sale of property by the lender in the event of borrower defaulting on their payments. The lender may execute the power of sale by themselves or their representative, referred as the trustee, strictly conforming to the power of foreclosure guidelines.