text:
Updated Dec 30, 2012 - 11:10 am
Insider: Arizona Cardinals to part ways with Ken Whisenhunt
After surveying with execs, team sources and agents, there is a strong expectation that Andy Reid (Eagles), Norv Turner (Chargers), Romeo Crennel (Chiefs), Pat Shurmur (Browns), Ken Whisenhunt (Cardinals) and Mike Mularkey (Jacksonville) will be out shortly after the season ends.
Of that group, La Canfora went on to speculate that Whisenhunt is not one of four coaches certain to go after Sunday's final day of regular season games, but it still doesn't look good for Arizona's sixth-year head coach.
In six seasons, Whisenhunt has led the Cardinals to two postseason appearances, including a Super Bowl berth during the 2008 season. However, regardless of how Sunday's game at San Francisco turns out, Arizona will have missed the postseason for three consecutive seasons.
Although Whisenhunt is just 45-50 in 95 career games with the Cardinals, La Canfora said it's likely he would get a few interviews around the league for head coaching vacancies.
CBS' NFL Insider didn't stop at Whisenhunt, though. La Canfora also reported that the team is mulling over where or not to fire general manager Rod Graves, but if they do his replacement will likely come internally.
Graves has been with the Cardinals since 1997 and helped the team reach unparalleled heights with a recent Super Bowl appearance. The Bidwell family has long appreciated his work but assistant general manager Steve Keim is also seen as a rising star. He was promoted last year, and sources said he is being considered for the general managers title there.
- The Pulse: Cardinals fans most excited to see division rivals
- A disappointed Darnell Dockett: Karlos Dansby 'chased the money'
- Arizona Cardinals 'bought right in' to offseason strength and conditioning program
- Arizona Cardinals' Dockett: 'Anything less than the playoffs is a failure'
- Thoughts on the 2014 Arizona Cardinals schedule
- Michael Bidwill, Cardinals president - Thursday April 24What goes into the Cardinals� draft preparation?
- Mark Schlereth, ESPN NFL analyst - Tuesday April 22ESPN NFL analyst Mark Schlereth talks about the NFL Draft.
- Terry McDonough, Cardinals VP of player personnel - Tuesday April 22Who will the Cardinals draft with their first-round pick?
- Larry Fitzgerald, Cardinals wide receiver - Tuesday April 22How are the Cardinals getting better in the offseason?
- Derek Carr- Fresno State quarterback - Monday April 21Fresno State quarterback Derek Carr talks about the NFL Draft.


text:
You are visiting our UK site. Click here to view our US site
Head Acupuncture Chart - Non Laminated
Size: 50 x 70cm.
Weight (including packaging): 300g
Tax is not applicable to those living outside the European Economic Community. For more info click here.
99 in stock
Now: £11.50 (£13.80 inc. tax)
Customer Reviews
There are currently no reviews for this product. Be the first!Review this product...
People who purchased this also purchased...
Gravity Handle Needle InjectorSouth Korean gravity handle acupuncture needle inj...
Price: £9.99
[more info]
Asia-med Kinesiology Tape 5m x 5cm RedRed kinesiology tape
Price: £5.69
[more info]
Glass Cupping Jar - LargeThick, heavy glass jar for cupping
Price: £3.82
[more info]
Glass Cupping Jar - MediumThick, heavy glass jar for cupping
Price: £3.55
[more info]
Ear Acupuncture Model - LargeBoth Chinese and English coded illustration and a ...
Price: £8.50
[more info]
Gua Sha Board - Fish ShapeGua sha board as a fish shape
Price: £3.95
[more info]
Moxa Extinguisher with PlateMoxa extinguisher mounted in the middle of a plate
Price: £5.00
[more info]
Rampley Cotton Ball Holding Forceps 18cmSecure forceps firmly hold cotton ball
Price: £2.89
[more info]
Taiwan Smokeless Moxa RollsHigh quality smokeless moxa. Can be used with moxa...
Price: £7.50
[more info]
Subscribe To CMT
Shopping Basket
Your basket is empty!
Change Language
Change Currency
Events Calendar
Auricular Medicine Class II: Auricular points by Dr.Li-Chun Huang (12/6/14-12/7/14)
WEBINAR: The human ear is a poweful tool for both diagnosis and treatment... [more]
National Acupuncture Detox Association Protocol Training ( April 25th-27th)
Thousands of behavioral health treatment and criminal justice... [more]

subset: commoncrawl


text:
See It Through
Design by Fernanda Correa
Say somethin' nice
No account? Join us!
- Submit ideas for a chance at $$$ and loot
- Be a part of our creative community
- Earn points for participation and use them for purchases
MastaMoogz on Apr 9, 2014 at 06:24:25
This is a beautiful design, I love it!
kiwiezeep on Feb 3, 2014 at 18:32:23
Who... nice!
guilhemt on Aug 13, 2013 at 09:44:24
My favorite T-shirt for some time now ! Absolutely love it ! Thank you Nanda !
ShadowsAngel on Mar 21, 2013 at 20:51:57
I love this so much... wish there was a medium one left :( I would love this as a print on canvas!!
Aceboy on Jan 12, 2013 at 16:52:15
Stunning design - please consider a print
Keep your creative spirit flowing
Evys on Jan 7, 2013 at 16:58:45
Great shirt. The creme rocks and it looks even better in person.
RafaC1 on Dec 30, 2012 at 02:43:20
If this was in cream for guys, I will buy it
leonardojuliano on Dec 20, 2012 at 20:05:05
Parabéns, Fernanda.
Acabei de comprar essa camiseta.
O desenho bonito demais!
dalkaveli on Nov 26, 2012 at 21:17:30
Amazing design looks best on creme.
Failingsphere on Nov 25, 2012 at 07:56:39
So beautiful ...
ShadowsAngel on Oct 14, 2012 at 02:38:16
This is a beautiful artwork!! Absolutely stunning with an amazing sense of emotion. If this were a print I would buy it. Please let me know if I can? (:
Assley.Jackasson on Aug 21, 2012 at 16:51:42
I love this design - if only it was printed on the pebble color for girls... *sigh* ;p
Echooooooooooooo on Jul 17, 2012 at 22:22:39
I wish there was XS for this...


text:
Jon Yates
What's Your Problem?
March 5, 2013
For the first time in almost a month, the water is flowing in Cassandra Austin's town house.
Austin, featured in Sunday's What's Your Problem? column, said service was restored late Friday, meaning she no longer had to pour jugs of water into her toilet tank to flush it.
On Saturday morning, she took a bath.
"It felt great to relax and take a bath in my own tub," she said Monday.
As reported Sunday, the city turned off Austin's water Feb. 6 in response to a leaking pipe that supplied water to the 10-unit, two-building North Lawndale complex.
A standoff over who should pay for the repairs kept the water off for weeks, forcing Austin and her neighbors to take desperate measures.
One neighbor ran a hose more than 100 feet from her house to her mother's house to supply her with water. Another man had been using water stored for more than three weeks in his bathtubs.
Austin had been walking to her sister's house nearby to fill containers with water but had been unable to cook, bathe or do many normal functions in her house.
After the Problem Solver inquired about her case, the city obtained an emergency court order to make required repairs. On Thursday, a judge appointed a receiver to temporarily gain control of the neighbor's property, and crews began work Friday morning. Almost 12 hours later, the water was once again flowing to all 10 town houses.
Still waiting
Last we checked in on Gil Harris, he was waiting for DuPage Medical Group to file a claim with Medicare for his Dec. 7 visit to the podiatrist.
To obtain reimbursement from his supplemental insurer, Aetna, the Naperville resident first needs to have the claim rejected by Medicare.
Harris said he was told initially that the claim was filed, then later told DuPage Medical Group had not filed it — and wouldn't.
When the Problem Solver inquired about his case, a spokeswoman from the medical group said an initial claim to Medicare was rejected because of lack of information. She said her company would resubmit the claim on Feb. 26.
When the Problem Solver wrote about the issue Thursday, Harris thought he would soon be able to file the claim with Aetna, enabling him to receive a reimbursement check for $388.80.
Not so fast.
Harris said Monday he has been checking Medicare's website every day.
"So far, it hasn't been entered," he said of the claim.
Harris said he checked other medical claims on the Medicare site, and previous doctors' visits were processed and paid within five days.
"I don't know how long I should wait," Harris said Monday.
In an email Monday, a DuPage Medical Group spokeswoman said, "We have also been following this claim closely to ensure that it is resolved for Mr. Harris as soon as possible.''
The Problem Solver will continue to provide updates as warranted.
Twitter @wyp_tribune
Copyright © 2014 Chicago Tribune Company, LLC


text:
Adriana Lima
- Adriana Lima Cameo News Ticker - Fri, Oct 25, 2013 9:26 AM EDT
Victoria's Secret model Adriana Lima is set to make a cameo on the CBS comedy "The Crazy Ones." … More »
- Celebrities react to Jolie's mastectomy … Associated Press - Tue, May 14, 2013 9:02 PM EDT
Celebrities react to Angelina Jolie's revelation Tuesday in a New York Times editorial that she … More »
- Reese Witherspoon, Vanessa Lachey and … Yahoo Contributor Network - Tue, Oct 2, 2012 1:26 PM EDT
A flock of Hollywood's finest ladies expanded their broods by welcoming sweet little bundles of … More »
- Gisele, Tom Brady Welcome a Daughter … Yahoo Contributor Network - Fri, Dec 7, 2012 6:00 PM EST
It's a girl for Gisele Bundchen and Tom Brady! … More »
- Lady Gaga Joins List of Celebs Who Preach … Yahoo Contributor Network - Wed, Jul 20, 2011 12:01 PM EDT
Lady Gaga was a guest on Howard Stern's Sirius/XM show Monday morning and dished on everything from … More »
- Adriana Lima Gives Birth to Baby Gi … ET Online - Wed, Sep 12, 2012 11:43 PM EDT
Victoria's Secret beauty Adriana Lima gave birth to her second child, a daughter, with hubby Marko … More »
- Pregnant Adriana Lima Flaunts Baby Bump … Thu, Apr 26, 2012 2:45 PM EDT
Expecting her second child, the Victoria's Secret model rocked the sexy frock in NYC Wednesday … More »
- Pregnant Adriana Lima Debuts Baby Bump … Us Weekly - Wed, Mar 28, 2012 11:52 AM EDT
The Victoria's Secret model announced March 20 that she's expecting her second child … More »
- Beyonce and Other Celebs Who Go to Extreme … Yahoo Contributor Network - Wed, May 30, 2012 12:10 PM EDT
Beyonce made her triumphant return to the stage over the weekend at the new Revel Resort & Casino … More »
- Sophia Loren Stuns on the Red Carpet … A-Line: Celebrity Style - Wed, Nov 28, 2012 4:07 PM EST
She spent the majority of her showbiz career as an international sex symbol, and on Tuesday night, … More »
From The Yahoo! Contributor Network
- Miley Cyrus Responds to Tinker Bell Rumors
- Chris Harrison Says He'd Be a Terrible 'Bachelor,' But Would He Be Worse Than These Guys?
- Celeb Child Support: Brandi Glanville, Eddie Cibrian and More High-Dollar Drama
- Chrissy Teigen Needs Photoshop to Stay Afloat: More Celebs Who Sink and Don't Swim
- 'Bachelor' Stars Have Very Different Views on Finding Love on TV


text:
Sunday, 6:30 p.m., CBS, New Orleans
OPENING LINE—San Francisco by 5
RECORD VS. SPREAD—Baltimore 9-10-0; San Francisco 11-7-0
SERIES RECORD—Ravens lead 3-1
AP PRO32 RANKING—Ravens, No. 11; 49ers, No. 3
LAST MEETING—Ravens beat 49ers 16-6, Nov. 24, 2011
LAST GAME—Ravens beat Patriots 28-13; 49ers beat Falcons 28-24
STREAKS, STATS AND NOTES—49ers back to first Super Bowl in 18 years, perfect 5-0 in Super Bowl history during 1980s and 90s behind Hall of Famers Joe Montana, Jerry Rice, Steve Young. ... Baltimore in second Super Bowl; beat New York Giants 34-7 in 2001 Super Bowl. ... First matchup of teams in Super Bowl. ... San Francisco's five Super Bowl wins tied for second most in NFL history. Pittsburgh has six titles and Dallas also has five. ... Ravens have won last three meetings. ... Ravens QB Joe Flacco's six postseason road wins most in playoff history. Thrown for eight touchdowns with no interceptions in playoffs for 114.7 passer rating this postseason. Flacco only QB to win playoff game in each of first five seasons. ... "Harbowl" or "Superbaugh" features pair of coaching brothers for first time—Ravens' John Harbaugh, 49ers' Jim Harbaugh. ... Victory by Ravens and John Harbaugh will pass Tom Flores (8) for most postseason wins by head coach in first five seasons. ... Flacco has 8-4 postseason record. With win, he would tie Tom Brady for most playoff wins by quarterback in first five NFL seasons with nine. Flacco had career-best 3,817 yards passing this season, second-most in franchise history. Baltimore 32-3 overall in regular season and playoffs when Flacco has passer rating of at least 100. ... In only career meeting vs. 49ers, Flacco posted 100.1 passer rating. ... Ravens Ray Lewis' final game before retirement. Had 14 tackles in AFC title game vs. Patriots and has 44 in three postseason games after missing 10 weeks with torn right triceps muscle. Was Super Bowl MVP after 2000 season. Performs signature "Squirrel Dance."... Lewis and 49ers defensive star counterpart, Patrick Willis, share jersey No. 52 and are good friends. ... 49ers second-year quarterback Colin Kaepernick makes 10th career start. Is 7-2 as a starter with 101.2 passer rating, 13 touchdowns, four interceptions, and 440 yards rushing with four TDs. ... San Francisco CBs Tarell Brown and Chris Culliver each have INT this postseason. Culliver had first career postseason INT in NFC championship. ... Ravens WR Torrey Smith has nine catches for 198 yards and two TDs in postseason. Averaging 22.2 yards per catch in five career postseason games (13 receptions, 289 yards). ... 49ers rallied from 17-0 deficit to win at Atlanta for NFC championship, second-largest comeback to win a conference title behind Indianapolis, which erased 18-point deficit against Patriots in 2006. ... San Francisco was one of three teams in NFL to have same five starting offensive linemen every game, along with Jets and Minnesota. ... Ravens WR Anquan Boldin averaging 92 yards receiving in three playoff games this season. In postseason career, has 46 catches for 702 yards and six TDs. Had eight catches for 84 yards in 2009 Super Bowl with Cardinals. ... Boldin has seven regular-season TD catches against 49ers for most against any opponent. ... 49ers held to 170 net yards of offense in Thanksgiving night loss at Baltimore in 2011, first and only previous meeting of Harbaugh brothers in NFL. ... Ravens tied franchise record with nine sacks to end San Francisco's eight-game winning streak in '11 meeting. ... Jim Harbaugh played QB for Ravens in 1998. ... New Orleans hosts 10th Super Bowl, tied for most with Miami.


text:
In a way, this phantom public art at the Broward County Aviation Department is a lot like Manti Te'o's girl friend.
Maybe it exists, and maybe it doesn't.
A recent Sun Sentinel story by reporter Brittany Wallman convinced me that sure enough, some of this pricey artwork does actually exist. And even though most of us peons will never see it, we sure do pay for it.
Public art that isn't for the public. You gotta love it.
The nature prints in the Aviation Department — supposedly very nice, although who has seen them? — hang out of sight, for viewing by appointment only by the public. Seems there was so much public art and no place to put it all. Maybe it's just me, but I'm not rushing to make an appointment to see public art hanging across from a janitor's closet or the toilet in the Aviation Deparment.
Apparently, no one else is, either.
But public funds paid for this art you can't see, except by appointment. It paid for other public art you probably have never seen hidden in administrative offices at Port Everglades. If anybody actually goes to the offices at Port Everglades.
As for the public art that you actually can see in the airport or the courthouse or in other public buildings— do you want to pay for this stuff? There are better ways, which I will explain momentarily.
Sorry, but I'm not big on paying big bucks for art in public places, for one big reason — when I am in an airport, or the courthouse or some other public building, I usually want to get in and out as quickly as I can. I am not there to stare at whatever it is on the walls.
Some people are art fanatics. More power to you. We have museums for you. Knock yourself out.
True, I did go to Louvre once, but only because it was deathly hot and the Louvre was the only building with air conditioning. I stopped in, saw Mona's smile, grabbed a Coke, cooled off, and went on my way.
I have to believe most people, when they go to airports, are only concerned that their bag is under the limit so they don't have to pay another outrageous fee. And then they are concerned about taking their shoes off and wondering who might see their naked security picture. Art isn't really on anybody's mind.
The county's public art program used to insist that 2 percent of the cost of public construction projects go towards art. That requirement is usually waived now, and the Broward County Commission has to vote on any art project over $100,000.
Still, we wind up with $610,000 going for some kind of artistic breezeway at the yet-to-be-completed Broward County Courthouse. I'm sure it will be a favorite viewing spot for thugs awaiting trial, or people being dragged to jury duty.
The breezeway is lighted, by the way, which is interesting because the courthouse isn't open at night. The public didn't vote for the courthouse, and they didn't vote for $610,000 worth of artwork, but they get both.
Which brings me to my brilliant solution.
We have art students at various colleges in the area. We have high school art students We have retired artists in retirement homes. We have all sorts of local artists who I have to believe would love to put their artwork on display for a few months for a nominal amount, just to get the exposure. Use them. Often. Certainly more than they are being used now.
I call it a win-win.
And Broward County commissioner Chip LaMarca, for one, agrees with me.
"Highlight the best and brightest of the (local) artwork, frame it, put it in the airport and the courthouse," LaMarca said.
"We have a lot of young artists here. I know there's a bidding process, but we're bringing in people from outside (to create art). We should try and cultivate what we have here."
Oh, and one other important thing:
"If we have it," LaMarca said, "we should display it for the public."
Yep. Public art that the public can see. What a concept.
Gary Stein can be reached at email@example.com, or 954-356-4616. On Twitter@SSEditorial.


text:
Please remember to follow the manual of style and code of conduct at all times.
Check BNN and Bulbanews for up-to-date Pokémon news and discuss it on the forums or in our IRC channel #bulbagarden on irc.systemnet.info.
Check BNN and Bulbanews for up-to-date Pokémon news and discuss it on the forums or in our IRC channel #bulbagarden on irc.systemnet.info.
Rodger Parsons
From Bulbapedia, the community-driven Pokémon encyclopedia.
Rodger Parsons[1] is a voice actor for the English-language dub of the Pokémon anime. From seasons one through six, he was credited under the pseudonym of Ken Gates. He is a graduate of New York University and holds a BFA degree in Television, Motion Pictures, Radio.
Rodger Parsons was one of the original voice actors on Pokémon, and he was the original narrator of the series. He left halfway through Pokémon: Advanced, but returned when The Pokémon Company International (known as Pokémon USA at the time) took over the English dubbing of the anime series.
Roles on Pokémon
- Narrator (EP001-AG020, AG146-present)
- Flint (AG177)
- Pop-Pop
- Mr. Saridakis
- King of Pokélantis (AG178)
- Enta
- Tōkichi
- Jamero
- Whiscash (SS019)
- Officer Jenny's police squad
- Some of Pokémon Hunter J's henchmen
- Mayor (DP057)
- Announcer (Pokémon Battle Revolution)
Famous non-Pokémon roles
- Odin/Brahms (Valkyrie Profile)
- Intsrstills announcer (WordGirl; uncredited)
External link
|This article is part of Project VA, a Bulbapedia project that aims to write comprehensive articles on each voice actor of the Pokémon anime.


text:
Coin Catalog can be used to look up the value of a coin and/or to save your coin collection. It features a Belgian Coin Catalog (including Belgian Congo, Offical Medals, ECU-coins, Food-jetons, Austrain Netherlands), British Coin Catalog (including Maundy Money), Canadian Coin Catalog, Coins from the Netherlands, Search for a coin, Make your own Collections, Add pictures to your collection, Make a list of coins that you search or you want to exchange, Print your Collection, Show difference between Grades, Lookup Dealers, Lookup Clubs & meetings, Make use of Currency ($, £, €, and Y), Make use of the Gold Price, Update Catalogs online, and more.
A script to start VNC on a system-determined port.


text:
Radon — a tasteless, colorless, odorless gas — is everywhere. It comes from the decay of uranium in soil and then accumulates in homes, where it can become dangerous.
According to the Environmental Protection Agency (EPA), "elevated levels of [radon] are the leading cause of lung cancer among non-smokers."
Radon in buildings is measured in picocuries per liter (pCi/L). What that actually means is less important than knowing when your home has exceeded the safety threshold of radon pCi/L. EPA standards place the "take action" level at 4 pCi/L, meaning if radon levels reach or surpass that in a home, business, school or other building, the stewards of that building should do something about it.
The national indoor average radon level is 1.3 pCi/L, far below the level necessary to take action. But in Santa Cruz County, according to the website California Radon Information, the average level is 3.6 pCi/L, much closer to the danger zone. Eleven percent of homes in the county are above the 4 pCi/L threshold.
The California Department of Conservation radon map shows the greatest area of radon risk in Santa Cruz County is near Felton, Ben Lomond and Scotts Valley, with lower levels in the more urban areas. In a recent radon testing sweep of the county, 28 percent of Ben Lomond homes tested in the danger zone, followed by 24 percent in Felton and 13 percent in Scotts Valley. Just one of the 223 Watsonville homes tested above 4 pCi/L.
But high radon levels do not doom us all to cancer. There are a few steps that can be taken to prevent risks presented by radon:
- Test. There are do-it-yourself radon testing kits available online and at hardware stores.
- Fix: Contact a radon reduction contractor if your radon level is too high.
- Save a Life: According to the EPA, 21,000 people die of lung cancer every year. Staying on top of dangerous radon levels is an easy way to prevent death.
To find a qualified radon professional, obtain a test kit or contact your state radon office, visit www.epa.gov/radon or call 1-800-SOS-RADON.


text:
Nike Axon EV0607 Sunglasses
Free US Shipping on Orders of $99 or More
We Ship Worldwide
Buy online & Save Time & Money! - Thousands of Top Brand Eyewear products at Best Prices!
Nike Axon Sunglasses is known for its high
performance and best value quality. It's aviator shaped metal frame adds fashion
and contemporary style all along. Nike Axon is designed for
every athlete in the world who knows what's best for him.
men's sunglasses
secure wrap temples
Metal frame design
Frame colors for the Nike
Sunglasses include:
Wear a pair of
Nike Sunglasses. Great for outdoor sports and athletic use.
Place your order with any valid prescription.
Receive a mail-in rebate certificate.
Complete the rebate certificate.
Mail your certificate, dated sales receipt, eye exam receipt* and the required amount of box tops.
*Eye Exam is required:
For Acuvue products- Within the past 90 Days
For Cooper product - Within the past 60 Days
For Bausch & Lomb - Within the past 90 Days
For Ciba Vision (Alcon) - Within the past 90 Days
www.EZContacts.com: 1-718-705-66EZ (1-718-705-6639) Fax: 1-718-766-9744
Business Hours: M - T 9:00am to 5:00pm, Friday 9:00am to 1:00pm EST.
� Copyright 2014 EZContacts.com. All Rights Reserved.


text:
OEM Quality. This Replacement Mustang Door Lock Cylinder Kit with stainless steel finish is made to the original factory specifications from OEM quality materials for a perfect fit and reliable maintenance-free operation.
Kit Includes. The Mustang Stainless Lock Set comes complete and includes 2 door lock cylinders, 1 hatch/trunk lock cylinder, 1 glove box lock cylinder, and 2 keys.
Application. Specifically designed for use on the 1987 to 1993 Ford Mustangs, this Replacement OEM style Lock Cylinder kit fits the LX, GT, and SVT Cobra models.
Mustang Fitment: 1987, 1988, 1989, 1990, 1991, 1992, 1993 Details >>


text:
Called the "Queen of Real Estate" and even "Jaws" for her aggressively successful tactics, super broker Dolly Lenz has sold over $8.5 billion dollars in high-end properties, catering to clients like Barbra Streisand, Billy Joel and P. Diddy.
Now she's revealing five tips to buying a million-dollar home.
In A Buyer's Market: Be Aggressive
In a buyer's market, sellers have fewer options. Buyers are scarce and therefore, they have the upper hand in that they are better able to dictate terms.
In this instance, buyers can be aggressive in their bidding and are free to probe how motivated a seller is to sell. In this environment, buyers should consider asking the seller to pick up certain closing costs, include furnishings as part of the deal, and even request seller financing.
In buyer's markets, sellers become very competitive with one another and buyers can use this to their advantage.
Buyers should not be shy about using one seller against another and see which one will offer a better deal. This is especially advantageous in neighborhoods which have similar homes and buyers are indifferent about which property they prefer.
(Read More: America's Most Expensive Homes)
In a Seller's Market: Be Prepared
In a seller's market, multiple bids on the same property are common as inventory levels are low. Nothing gets a seller's attention more than a buyer who is both ready and able to consummate a deal.
For this reason potential buyers have to be prepared before they start bidding. Obviously, cash is king and those paying cash are in a commanding position to seal the deal with a seller. But for most buyers, financing is a necessary element to a purchase and those bidding with commitment in hand stand a much better chance of attracting a seller's attention than those without.
Demonstrating an ability to act quickly is also desirable to sellers. This obligates a buyer to being responsive to a seller's communications in real time and being prepared with pre-approved financing, a closing attorney and a flexible closing date.
(Read More: Mega-Broker Dolly Lenz on the Art of Negotiation)
Most people think that the bidder offering the highest price will get the deal but often that is not the case.
Savvy sellers evaluate all the terms of a deal as a package and price is only one factor. For example, most sellers will find a $1 million offer with a commitment letter for 70 percent financing superior to a higher offer of $1,060,000 with a contingency of 80 percent financing, unless the buyer with the higher offer can demonstrate likelihood that they will obtain the necessary financing.
Beware the Onerous Mortgage Contingency
In negotiating a deal, both buyers and sellers assume risk. Just as you are taking a risk by agreeing to buy, a seller takes on risk by agreeing to sell. Naturally, a seller wants a deal with zero contingencies, to eliminate the likelihood of the buyer backing out, while a buyer wants a deal with as many contingencies as possible, should his circumstances change.
The mortgage contingency is a major contract issue for both buyer and seller and as a buyer you want to obtain terms that are favorable to you. Failure to do this properly could jeopardize your contract deposit. The key element is to establish a maximum amount you are going to finance and the higher the percentage you can get in the contract, the better off you'll be. The seller will try to negotiate a lower percentage but the key is to establish a number that you are comfortable with.
Buying a New Home? Thoroughly Vet the Builder
When buying a new home you need to ensure that the builder has an excellent reputation within the community he operates in. You need to review his track record by interviewing buyers of previously purchased homes to ensure the builder has lived up to his commitments and has earned a reputation for building quality homes.
(Read More: Where Have I Seen That House?)
It's important to obtain a list of references from the builder and contact as many people on the list as possible. A big builder should provide the names of at least 20 people who have previously bought homes. You should also knock on as many doors as you can and ask homeowners about their experience with the builder.
All 50 states require builders to be licensed and you should inquire about the builder's status with the state licensing authority. You should also obtain a listing of any lawsuits naming the builder as a litigant.
Getting a Mortgage? Lay Low Until The Closing Date
Buyers with bank commitment letters in hand are better able to command a seller's attention than buyers who appear empty handed. But you should know that all commitment letters come with contingencies that need to be satisfied before a bank will allow a closing to occur. So you should do whatever the commitment letter says you need to do and the sooner you do it the better.
(Read More: Real-Estate Tips from a Mega-Broker to the Stars)
The most ubiquitous contingency a bank requires is proof that your financial condition has not changed since the commitment letter was issued just prior to closing. In order to meet this requirement you should do nothing between the commitment date and the closing date that will negatively impact your financial status, such as switching jobs or taking on new debt.
-By Dolly Lenz, the Vice Chairman of Prudential Douglas Elliman
Tune in:
The million dollar home competition is on CNBC all day Tuesday, April 23 on "Squawk Box," "Squawk on the Street," "Street Signs" and "Closing Bell."


text:
Coverity Scan Discovers Vulnerabilities in the Android Code
The 2010 security report looks at more than 291 projects, with special focus on the Android 2.6.32 kernel
Since 2006, Coverity has worked with the U.S. Department of Homeland Security to identify software security vulnerabilities. In 2010, Coverity analyzed more than 61 million lines of open source code from more than 291 projects, including Android, Linux, Apache, Samba and PHP. According to the Coverity Scan 2010 Open Source Integrity Report, 45 percent of the identified vulnerabilities are considered "high-risk defects". The report also says that little has changed since 2008 in software development testing to help identify these security concerns and goes on to say, "It also demonstrates how easy it is to make these types of coding errors when the human factor comes into play."
This year's report takes an in-depth look at the Android 2.6.32 kernel and says that HTC Droid Incredible has about half the defects that would be expected for similar software of the same size, with about 1 defect per 1,000 lines of code, 359 of them in the currently shipping version of the HTC Droid Incredible. The report points out the fragmented accountability for Android software development, saying, "Android is based on Linux, which has thousands of contributors. Compound that with the Android developers from Google, the contributors to Android from the larger development community, and OEMs that supply components for specific configurations of Android to support different types of devices, and the lines of accountability are quickly blurred."
The entire report is free and available for download on the Coverity site: http://www.coverity.com/
Issue 163/2014
Buy this issue as a PDF
Digital Issue: Price $9.99
(incl. VAT)
Tag Cloud
KDE Announces Software Compilation 4.13
New release comes with better semantic search and improvements to Kontact.
Coverity: Open Source Code has Fewer Defects
Annual code quality report shows FOSS is more secure at all project size levels.
An Even Smaller Raspberry Pi
The Raspberry Pi Foundation has announced an even smaller version of the tiny computer that will fit into a DIMM slot.
Freaky Privilege Escalation Attack
A new class of problems lets a malicious app pre-configure an invisible privilege update.
Facebook Rolls Out New PHP-like Programming Language
New Hack language adds static typing and other conveniences.
Fedora Announces Innovative Crytography Policy System
New crypto policy system will offer easier configuration and more uniform security.
Shuttleworth Calls for Declarative Firmware
Ubuntu founder denounces insecurity in proprietary, close-source software blobs.
New TLS Attack Takes the S out of HTTPS
Vulnerability affects many Linux web servers
Munich Adopts Kolab
The Bavarian capital shuns Microsoft, Google, and other alternatives to implement an open source groupware solution.
Canonical Announces Ubuntu Smartphones
Phone vendor partnerships bring Mark Shuttleworth's dream of Ubuntu on a phone a step closer to reality.


text:
Evercore Q&A: Trends in tech M&A
25 Jan 2013
Technology deals are in the news with Dell, the struggling US personal computer manufacturer, in discussions to go private. Financial News spoke to two technology bankers at Evercore – this week reported as an adviser to Dell – on their predictions for the sector in 2013.
Take a Financial News trial today:
- Breaking industry news & commentary
- 10 year searchable archive
- FN Powerlists & Special Reports
- FN on mobile and iPad
Does your company already have an FN licence? Email us now
Most Read
Most Emailed
Citi wakes up in the first quarter
The bank surprised markets with first-quarter results that meaningfully exceeded analyst forecasts
From The Wall Street Journal


text:
Does quilting make you happy? Assuming the answer is yes, then what is
it that makes you happy? Being elbows-deep in fabulous fabrics? Becoming
one with the sewing machine as it hums out quilting stitches? Designing
the quilt?
Copyright (C) 2014 Interweave Press, LLCUse of this site signifies your agreement to the Terms and Privacy Policy, updated March 2007


text:
Some information is missing or invalid below.
Size : Please Select a Size
Learn more.
Shimmering elegance. Covered in diamonds, this framed square ring sparkles with timeless beauty. You'll make a lasting impression with this dazzling 10k white gold ring.
Please note, due to the high value of this item, a signature may be required upon delivery.
- Invisible-set, princess-cut diamonds create a breathtaking princess design.
- Round-cut diamonds glitter and glow.
- Details:
- 1/2-carat total weight
- 1/5-in. width
- 10k white gold
- Image(s) may be enlarged to show detail.
- Diamond weights are approximate. Diamond total weights may vary between .01 and .08 ct. Some diamonds have fewer than 17 facets.


text:
Welcome to Coldwell Banker - Terry & Assoc
On behalf of all the staff at COLDWELL BANKER -- TERRY & ASSOCIATES we would like to wish you a warm greeting and welcome you to ColdwellBankerMadisonville.com. We intend to provide information about our community, Madisonville Kentucky, our staff, and services.
Founded in 1978 COLDWELL BANKER -- TERRY & ASSOCIATES is a member of the Madisonville - Hopkins County Board of Realtors, the Multiple Listing Service, and the Chamber of Commerce. We pledge to deliver service and satisfaction whether your goal is to purchase a new home, sell your existing home of property, or relocate to what we feel is "The Best Town on Earth".
Our website seeks to answer questions you my have about the upcoming purchase of homes or property in Madisonville Kentucky Hopkins County or surrounding areas. Mortgage and tax calculators as well as a search for properties and homes for sale in Madisonville Kentucky and Hopkins County are available on our website.


text:
Selected Writings
Selected Writings
- eBook - ePub eBook: $12.99
José Martiacute (1853-1895) is the most renowned political and literary figure in the history of Cuba. A poet, essayist, orator, statesman, abolitionist, and the martyred revolutionary leader of Cuba's fight for independence from Spain, Martí lived in exile in New York for most of his adult life, earning his living as a foreign correspondent. Throughout the 1880s and early 1890s, Martí's were the eyes through which much of Latin America saw the United States. His impassioned, kaleidoscopic evocations of that period in U.S. history, the assassination of James Garfield, the opening of the Brooklyn Bridge, the execution of the Chicago anarchists, the lynching of the Italians in New Orleans, and much more, bring it rushing back to life.Translated by Esther Allen with an Introduction by Roberto González Echevarría
Organized chronologically, this collection begins with his early writings, including a thundering account of his political imprisonment in Cuba at age sixteen. The middle section focuses on his journalism, which offers an image of the United States in the nineteenth century, its way of life and system of government, that rivals anything written by de Tocqueville, Dickens, Trollope, or any other European commentator. Including generous selections of his poetry and private notebooks, the book concludes with his astonishing, hallucinatory final masterpiece, "War Diaries", never before translated into English.
José Martí: An Introduction by Roberto González Echevarría
Earliest Writings
Free Verses/Versos libres:
Notebooks 4-15:
from The Golden Age:
Letters from New York:
Political Correspondecne:
Notebooks 18-20
Letters from New York:
from Patria:
Final Correspondence:
War Diaries:
Afterword by Esther Allen
"Martí is the most remarkable figure in the history of Cuba....No English-language collection is as comprehensive as this handsome new addition to the Penguin Classics."
To keep up-to-date, input your email address, and we will contact you on publication
Please alert me via email when:


text:
Financial Advisers & Brokers for Commercial R.E. and Natural Resources
Seeking experienced referral partners (FT/PT) - commercial financial brokers, financial advisers and others - who have or can refer viable commercial real estate, oil and gas, energy/bio-energy, mining or other viable business projects that need private equity/debt funding (minimum $5 million to $100 million plus).
Commercial financial brokers, financial advisers, attorneys, deal-makers invited. Fees protected.
Please submit resume for consideration.
Apr 20 -
Jacksonville - Accounting & finance
Portfolio Manager (Property Management/Real Estate Company)
The Portfolio Manager will maximize net operating income and otherwise facilitate optimum performance of the assigned rental portfolio with regards to new acquisitions, leasing, collections, resident services, maintenance, risk management, expense control, revenue enhancement, capital improvements, information reporting, and compliance with applicable laws and company policies. This position will devote a large amount of time driving to properties within the assigned portfolio to list and lease ...
Apr 17 -
Jacksonville - Real estate
We'll be sending text message alerts for your subscription to


text:
Q&A with Robin Farina, VIP Team Leader
Published: March 27, 2014
How did your passion for cycling start? I didn't get on a bike until after college. I had an injury when I was younger while playing soccer and as I …0 comments
It is always a pleasure to inform and inspire when sharing my experiences, endeavors and travels. I'd love for you to be a part of the journey.
How did your passion for cycling start? I didn't get on a bike until after college. I had an injury when I was younger while playing soccer and as I …0 comments
How old were you when you first got into cycling? What made you decide to go pro? I've enjoyed riding a bike ever since I can remember, and I entered …0 comments
Your father introduced you to cycling. How old were you when you got started and decided to turn pro? My dad raced as an amateur and it was a …0 comments
As Chief Restaurant Officer of Union Square Hospitality Group, Sabato Sagaria ensures that USHG's award-winning restaurant teams have the strongest possible tools to achieve continuous operational improvement and growth in …0 comments
With more awards than can fit on this page, we are thrilled to have Master Sommelier, Bobby Stuckey, as a VIP Team Leader at our inaugural Bottega Gran Fondo. Today, …0 comments
Born in St. Louis and raised in New Jersey, Chef Matthew Accarrino began his cooking career in New York City before moving west to California. Matthew trained with both star …0 comments
Bob Roll is an American former professional cyclist, author, and television sports commentator. He was a member of the 7-Eleven Cycling Team until 1990 and competed for the Motorola Cycling …0 comments
I have had the opportunity to both meet and work with an amazing group of talented people in the culinary and wine-making world. Many of them will be participating in …0 comments