text:
She's got a shiny badge and a heart of gold.
A kindhearted police officer took a Florida mom grocery shopping after arresting her on shoplifting charges.
Miami-Dade Police Officer Vicki Thomas was asked to arrest Jessica Robles after employees at an Ojus, Fla., supermarket saw her steal food, WSVN reported.
Thomas asked Robles why she did it, and she responded that her children were hungry. Thomas ran a check on Robles, saw that there was no major criminal history in her background. She charged her with a misdemeanor and gave her a notice to appear in court.
Then, Thomas took Robles to buy groceries.
Thomas told WSVN, "I made the decision to buy her some groceries because arresting her wasn't going to solve the problem with her children being hungry."
Thomas continued, "That $100 to me was worth a million." Thomas said the only thing she asked of Robles was that she help someone else out once she gets on her feet.
Robles has three children, including two boys, ages 2 and 5. Robles's 12-year-old daughter, Anais, told WSVN, "Not fun to see my brother in the dirt hungry, asking for food, and we have to tell him, 'There is nothing here.'"
WSVN reports that Robles is now going to a local food bank and seeking work. The incident happened in September. The story was also picked up by CNN.


text: I been playing games on Nintendo since 1985,but due to the fact ea,and all sports games have dropped Nintendo I got a ps4 so I could play sports games espailley Madden,and the new wwe2k with sting when it comes out. I will still play my Wiiu games like Mario,zelda,and donkey kong. Anyways I am hopeing to get some help since im new to ps4. Like for starters the online gameing. you have to pay to play others online right, but you can make friends for free? also what would be a good action adventure game for someone like me who doesn't really like war games minus RE series cause zobies are dead anyways. If I think of anything else,ill come back later,and ask. I'm off to work now.

subset: commoncrawl


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text:
Abdul Kadir, Mohammed Rafiq and Ochsner, Andreas and A., Syahrom (2010) Finite element analysis of idealised unit cell cancellous structure based on morphological indices of cancellous bone. Medical & Biological Engineering & Computing, 48 (5). 497 - 505. ISSN 0140-0118
Full text not available from this repository.
Official URL: http://dx.doi.org/10.1007/s11517-010-0593-2
Human bones can be categorised into one of two types—the compact cortical and the porous cancellous. Whilst the cortical is a solid structure macroscopically, the structure of cancellous bone is highly complex with plate-like and strut-like structures of various sizes and shapes depending on the anatomical site. Reconstructing the actual structure of cancellous bone for defect filling is highly unfeasible. However, the complex structure can be simplified into an idealised structure with similar properties. In this study, two idealised architectures were developed based on morphological indices of cancellous bone: the tetrakaidecahedral and the prismatic. The two architectures were further subdivided into two types of microstructure, the first consists of struts only and the second consists of a combination of plates and struts. The microstructures were transformed into finite element models and displacement boundary condition was applied to all four idealised cancellous models with periodic boundary conditions. Eight unit cells extracted from the actual cancellous bone obtained from micro-computed tomography were also analysed with the same boundary conditions. Young's modulus values were calculated and comparison was made between the idealised and real cancellous structures. Results showed that all models with a combination of plates and struts have higher rigidity compared to the one with struts only. Values of Young's modulus from eight unit cells of cancellous bone varied from 42 to 479 MPa with an average of 234 MPa. The prismatic architecture with plates and rods closely resemble the average stiffness of a unit cell of cancellous bone.
|Item Type:
|Uncontrolled Keywords:
|compact cortical, prismatic, cancellous bone
|T Technology > TJ Mechanical engineering and machinery
|Mechanical Engineering
|ID Code:
|Deposited By:
|Narimah Nawil
|Deposited On:
|28 Jun 2012 08:51
|Last Modified:
|31 Oct 2018 20:20
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text:
Similar to the question-begging epithet is the fallacy called complex question. This is the interrogative form of begging the question—when the arguer attempts to persuade by asking a loaded question. A classic example is this: "Have you stopped beating your wife?" Either a yes or no answer would seem to imply that the person did in the past beat his wife, which may not be the case. The question is "complex" because it should be divided into two questions:
- Did you ever beat your wife?
- If so, have you now stopped doing this?
Here are some common evolutionary examples of the fallacy of complex question:
"Why are creationists against science?"
This loaded question presumes that creationists are against science, which is not the case. It should have been divided:
- Are creationists against science?
- If so, why?
Since the answer to the first is no, the second question is not necessary.
"Why is evolution so critical to our understanding of biology?" is fallacious because we should first ask, "Is evolution critical to our understanding of biology?"
Watch for leading questions in evolutionary literature such as, "How were dinosaurs able to survive for millions of years?" This is the fallacy of the complex question because it should be divided:
- Did dinosaurs indeed survive for millions of years?
- If so, how?
- "What is the mechanism by which reptiles evolved into birds?"
- "If the earth truly is 6000 years old as you creationists say, then why do we find rocks that are over 4 billion years old?"
- "If creation is true, then why does all the scientific evidence point to evolution?"
These all are fallacious questions which used biased language to persuade rather than logic.
One time, after I gave a presentation on creation, an atheist came up to me and asked, "Are you aware of the fact that . . . ?" Before he could complete the sentence, I strongly suspected that it was going to be the fallacy of the complex question. Sure enough, what he was rhetorically asserting to be a fact was not true at all. He had misunderstood some of the things I had presented and had committed some errors in reasoning as well. People sometimes use the formula "Are you aware of the fact that X?" to persuade others of X, when in fact X is logically unproved.
What people judge to be a fallacy often depends on their worldview. Consider this question:
"Have you repented of your sins?"
A non-Christian may consider this to be a complex question and would want it divided:
- Have you ever sinned?
- If so, have you repented?
From a Christian worldview, however, the question is not complex because we know that all have sinned (Romans 3:23).
Along with the question-begging epithet, the complex question uses biased language in place of logical argumentation. When the evolutionists commit either of these fallacies, we must gently point out that they have not actually made a logical argument. They have rhetorically assumed what they are trying to prove and have, thus, begged the very question at issue.


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text:
The Blackwinged Night
Chapter 3: The Big Bang
"I know there are readers in the world, as well as many other good people in it, who are no readers at all, - who find themselves ill at ease, unless they are let into the whole secret from first to last, of every thing which concerns you."
-Laurence Sterne, The Life and Opinions of Tristram Shandy, Gent.
It is no mere poetic metaphor to compare the birth of the universe with the work of an artist, or the way material forms unfold and evolve to the manner in which scientific insights turn into theories or, for that matter, to the writing a poem and the healing of strife within a community. When creativity enters the world it must be vested in the lineaments of space, time and matter. As it seeks to play within the realm of the manifest it must inhabit form, order and structure. So what of matter and its origins? Just as in every artistic endeavor, so too the creativity of the universe must delimit and differentiate itself within the world of matter, space, time, galaxies stars, planets and even life itself.
I will be telling the tale of the origin of the universe in much the same way as Laurence Sterne's narrator, Tristram Shandy, tells the story of his own birth. That is, in fits and starts, evasions and excursions. This is only right and proper. After all, myths should always be told in this way and the scientific story of the origin of the universe is a twentieth century mythic artwork comparable to Dante's Divina Commedia or Homer's Illyad. To unfold it in a bland linear sequence would be to betray its subtleties. And after all I'm proposing that the story of the universe is not unlike the story of a painting, a novel, or a symphony. It's about the way the creative impulse is shaped, channeled, disciplined and given form. It is about the alliance between Dionysius and Apollo, about intoxicated fecundity and the evolution of order and form.
If we're going to talk about origins, the universe or Mr Shandy's, allow me indulge myself and go back in time to those years when, as a boy, I used to go fishing in Wales with my good friend, Bill Mulligan. We'd fish until the light went and then, lying on our backs and look up at the night sky. The stars seemed cold and distant, yet as I gazed up at them there always came a curious sense of connection, as if I and the star were bonded directly so that at any moment my body would leave the surface of the earth, fly up into the furthest reaches of the universe.
Later, when I went to university, I learned that my connection to distant stars was not all that crazy. It is true that stars we see are hundreds and thousands of light years away. Yet, for that photon of light that leaves the surface of the star and journeys to my eye, what is known as its proper time - the time lapse experienced by the photon itself, if that makes any sense - is zero. Likewise, for the photon, the distance it has traveled is zero.
This may sound absurd but everyone knows that time slows down and distances become shorter as you approach the speed of light. At that speed itself, the speed of a photon, time and distance shrink to zero. The star and I are essentially in contact, joined by a photon that moved between us in no time and no space at all.
That scientific revelation of my direct contact with all the matter of the visible universe seemed like a miracle to me at the time. But now, as I type this text, I am aware of another miracle. I look down at my hands and ask: "I am in contact with the stars. But where did they come from? Where do I come from? In what manner did my hands, my body, and all the matter out of which I am built come into existence?"
The act of just being, of writing this book, of looking down at my hands, of, getting up each morning is the culmination of a series of miracles that began with the origin of the cosmos itself. Or, to put it another way, it's an expression, an evolved manifestation, of the essential creativity of the cosmos.
My questions cannot be answered by reference to the earth alone. To understand the answers we must all journey to the stars, travel though vast tracts of interstellar dust, enter the core of suns and journey back to the origin of time itself. It is the story of how an initial creative impulse enters time and, in manifesting itself, limited itself though the laws and symmetries of nature.
Scientists believe that all that exists, the entire cosmos of space, time, energy and matter, began in a single event - the Big Bang.
By itself this statement needs a certain degree of qualification. For by "scientists" I mean the general consensus of the scientific community. While there are some technical glitches and arbitrary assumptions in the theory it is accepted by all but a few maverick physicists and cosmologists who have proposed alternative theories.
[Footnote There are theories that suggest that our universe is a rebound from a previous one that collapsed. So in the distant future our own universe will collapse right down to an incredibly small size and then bounce back again as a totally new universe. This is not strictly an alternative to the Big Bang but a gloss to the established approach.]
A further qualification concerns the term "all that exists". Scientists are often jokingly refereed to by philosophers as "naive realists". For them what is real is what can be touched, held, observed and manipulated. For scientists "the beginning of everything" means the origin of time and space, matter and energy. They don't really feel comfortable speculating beyond that point.
So let us begin. We're going to start, not at the ground zero of time but one hundredth of a second after the universe had begun, because from this point onwards scientists are pretty clear as to what happened. It is within that tiny interval before, a time as short at the click of a camera shutter, that is more mysterious.
What was happening 1/100 of a second after the universe had come into existence?
At that time the universe was a fireball with a temperature of one hundred thousand million degrees - far hotter than the center of the hottest star - more intense than a hydrogen bomb explosion. What's more, the entire universe was packed into a space of around 4 light years - the present distance from us to the nearest star.
Already at 1/100 second an enormous amount had been happening. 1/100 of a second is a very long time when it comes to the birth of the cosmos and universe had already passed through several different eras. Much earlier in time there had been a period of explosively rapid expansion but now the universe was slowing down, doubling in size only ever two hundredths of a second.
It was not like any universe we know today. There were no galaxies or stars. Just an intensely hot soup consisting of light, electrons and neutrinos all packed together with a density several billion times greater than that of water and all encountering each other in constant bursts of creation and annihilation.
One tenth of a second has to pass before the temperature had dropped sufficiently (to a few ten thousand million degrees) for the heavier particles to form out of the collisions of electrons and positrons (anti electrons). In this period were born the neutrons and protons that will eventually form the cores of all the atoms in the universe - the same matter of which we are made! At this stage the expansion has slowed down to the point where the universe only doubled in size every two tenths of a second.
After a full one second had elapsed the entire universe was still a thousand time hotter than the center of our sun, much too hot for the protons and neutrons that were now being produced to combine together to form the nuclei of the first atoms. The universe would have to wait for a full three minutes until it had expanded and cooled down sufficiently for the first nuclei of helium to form - (hydrogen being the first and most abundant element in the cosmos, helium being the next in line.) At this point, three minuets after the Big Bang, things were still too hot for actual atoms to form but all the centers, the nuclei of all the hydrogen and helium that makes up our universe, have already been born.
From this point on the universe would continue to expand at a slower and slower rate, and along with this expansion, to cool down. Eventually the universe cooled to the point where the first stars formed and the heavier elements began to be synthesized in the core of stars. Finally the first molecules of proto-life would form.
We have only come as far as the first few minutes. Much more of this story has yet to be told, by going both forwards and backwards in time. But now time to pause, like Tristram Shandy, and follow another train of thought. The birth of the universe occurred in a huge fireball, an explosion far beyond any hydrogen bomb, involving temperatures vastly greater than those inside any star and energies beyond any elementary particle accelerator on earth will ever produce. Compared to this, the world's entire stock of hydrogen bombs are mere fireworks.
We all know about Einstein's magic formula E=mc2 This tells us that energy and matter are interconvertible. With all that energy present at the birth of the universe new elementary particles must have been endlessly flickering in and out of existence. Our experience here on earth had made us familiar with nature's proclivity. We have come to expect species upon species. From the depths of the sea to deserts, jungles and mountaintops, life exists in a host of unexpected and bizarre forms. But if this is true for species why not for elementary particles? Why do there not exist millions upon millions of totally different particles, exhibiting curious and unexpected properties and combining in endless ways to form hosts of bizarre chemical elements?
We know this is not that case. But what is stopping anything that we could imagine from actually taking place? If the cosmos was born in an incredible burst of creative energy then why is our universe not filled with square planets, green suns and polka dot galaxies? Why, indeed, does the universe appear so uniform wherever we look?
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text:
August 11, 2010
Tuesday night during a Commanders' Forum , Austin police detailed how proposed police security cameras will be used to catch criminals in the Rundberg Lane area of East Austin near Interstate 35 and Sixth Street.
The plan is to install five to six cameras at a cost of $350,000.
Officials said they will be able to control the cameras at their headquarters. The security camera will be able to zoom in and get a clear picture of someone's face from about a half block away.
APD expects the cameras near Rundberg Lane will be able to pan, tilt and zoom — however the ones on Sixth Street won't tilt so those who live in condominiums do not have their privacy violated. In addition the cameras will not be hidden and will be labeled as police cameras.
Authorities said the cameras will likely only be manned during sting operations.
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text:
Tuesday brought more bad news for America's biggest retailers.
Macy's reported that margin loss was accelerating as the troubled department store continues with deep discounting of merchandise to stem eroding sales.
I have been documenting much of the hurt going on with the struggling consumers staying home instead of going to the mall.
Shares of Macy's fell 8.2% in Tuesday's trading as the company said it could see a 40% in margin levels as it battles with high inventory coming out of the 2016 holiday season.
Most retailers were down big on the Macy's news. JCPenny was down 4%, Kohl's fell 5.8% and Nordstrom was off 3.6%.
Many big box stores saw weak holiday sales forcing deep discounting, which squeeze already reduced margins and come right down to the bottom line.
In other retail retaliation, Sears came out after the bell on Tuesday to say it was closing an additional 72 stores this year. Earlier this year CEO Eddie Lampert announced he was closing about 180 Sears and K-Mart stores along with some Sears Auto Centers.
These new announced closures bring the number of Sears' store to around 1,200, down from 2,080 fin 2012. Sears shares were off more than 1% in Wednesday pre-market trading.
So what can retailers do to stem the outgoing tide?
"We don't need the massive parking lots that we had in the 1970s," Doug Sessler, the head of Macy's real estate division, told analysts during the company's investor day on Tuesday, my New York Post colleague reported.
This is a huge departure for these big box stores. They have acres of parking lots, which sit idle for many months, and the Macy's and others are looking to create strip malls and standalone properties to bring in rental revenue.
It appears the new model, which I doubt has legs since it's doubling down on the thought that brick and mortar can still work. Macy's says they are looking for restaurants and other businesses like medical facilities to take up the space.
Macy's is already selling space inside its stores to different brands in order to bring in revenue. So now they will compete with the mall operators, who are looking at open storefronts inside the mall, to attract tenants.


text:
Elon Musk's Tesla cars have been named and shamed as the least reliable – while Japanese motors are labelled as the most dependable
Tesla was listed rock bottom on the WhatCar? Reliability Survey with faults reported by nearly half of its owners
ELECTRIC car maker Tesla performed shockingly badly in the annual WhatCar? Reliability Survey, having been listed as the least dependable brand.
Elon Musk's models came back with a 57.3 per cent rating, with nearly half of surveyed owners reporting faults.
With 18,284 drivers included in the study, 159 different cars were assigned a score - and the least reliable model was also named as Tesla's Model S (from 2013).
It had a reliability ranking of just 50.9 per cent, whereas the most reliable cars were the Toyota Yaris and the Suzuki Sx4 S-Cross - both with a perfect 100-per-cent score.
Japanese cars swept the board with Suzuki, Lexus and Toyota making up the top three dependable car brands, respectively.
The nation's Mitsubishi and Subaru also finished joint fourth alongside Korean car maker Kia.
Meanwhile, Britain's Land Rover is the second-worst reliable brand having scored 76.5 per cent in the survey.
Range Rovers made in the last five years were also listed behind the Model S as the least dependable cars.
The sub-brand's Evoque (from 2011) and the Land Rover Discovery Sport (from 2015) made up the top five least reliable cars, with the Ford Edge Diesel (from 2016) in third place.
Electric car, the Nissan Leaf (2011-17) finished third in the most dependable car models list with a 99.7-per-cent score.
It was followed by the Toyota RAV 4X4 (2013-18) and the BMW 3 Series (2005-14) - both with a rating over 99 per cent.
Steve Huntingford, editor of industry bible WhatCar?, said: "Reliability is a huge consideration for any prospective car buyer, as your car is likely to be your second-biggest monthly expense after mortgage or rent payments.
"You want your car to last and you don't want to have to fork out huge amounts to fix faults and keep it running.
"Our annual survey has shown that it is Japanese models that continue to dominate the top of the reliability rankings, both for car model and brand rankings."
A Tesla spokesperson said in response: "Only 28 Model S owners responded out of a total of 18,000 car owners surveyed by What Car?.
"That's less than 0.3 per cent of UK Tesla owners, so this survey is statistically meaningless.
"The results of this survey are also at odds not only with our internal figures showing customer satisfaction scores for Model S and X at well over 90 per cent, but with statistically valid surveys like our Net Promotor Score and Consumer Reports customer satisfaction survey, which we've topped every year since 2013.
"Ninety per cent of Tesla owners saying they would buy the same car again – more than any other brand.
"We are committed to making the world's best cars, and in order to ensure the highest quality, we review every vehicle for even the smallest refinement before it leaves the factory.
"To the extent repairs are needed, the majority of work carried out on cars up to four years old is done under warranty and free of charge to the customer while they are supplied with a courtesy car.
"Unlike other manufacturers, Tesla repairs can also be carried out in a customer's driveway or office by mobile service, or even via over-the-air updates to minimise any disruption."


text:
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text:
Hop into spring
PUBLISHED: 09:46 10 March 2014
Visit the Brecks in spring and you're sure to see one of the UK's most well-loved creatures, the rabbit – an animal familiar from the books of Beatrix Potter and Richard Adams' Watership Down.
The best thing is that, unlike most other mammal species, your sighting won't be restricted to a brief blur fleeing away through the trees, but virtuallyguaranteed views of hundreds of cute creatures contentedly feeding in front of you.
Although rabbits seem an integral part of the British countryside, they aren't actually native to the UK. It's thought their presence dates back to the Romans (who kept them here in small numbers), though there is also some evidence that pre-Ice Age populations may have existed.
However, rabbits really began to flourish after the arrival of the Normans, when warrening – the management of rabbit enclosures – became a highlyprofitable profession, with rabbits farmed for their manure, meat and fur.
From the 12th century, Breckland was a stronghold for the rabbit industry and had one of the country's largest concentrations of warrens – the dry, sandy ground, relatively sunny climate and sparse rainfall were ideal, mimicking the favoured conditions of the rabbit's native Mediterranean.
Rabbits also began to escape from their penned areas and establish feral populations, though warrens continued to be an important part of the local landscape over the following centuries.
Indeed, during the late Victorian period the entire bowler hat industry in London depended on rabbit felt, with three felting factories in Brandon employing 500 people.
During the 20th century, demand for rabbit products diminished and, with the conversion of much of the Brecks to forestry plantations after the first world war, rabbits became regarded as a pest.
The Forestry Commission employed up to 30 men locally to control them, though a more devastating reduction of their population resulted from the arrival of myxomatosis in the 1950s, which almost eradicated the species.
Today, rabbit numbers are recovering and at Norfolk Wildlife Trust nature reserves such as East Wretham and Weeting Heaths the animals are actively encouraged for their vital grass-nibbling, which keeps the heathland at the perfect height for maximum biodiversity.
Indeed, a 2011 study led by scientists from the University of East Anglia showed that 12,500 species of plants and animals are found in the Brecks, including 28pc of the UK's rare species – all in an area covering less than 1pc of the country's land area.
So, why not hop over to the Brecks this spring to enjoy the area's unique wildlife... and the rabbit-rich landscape!


text:
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15 Apr 2016 • by Natalie Aster
LONDON – MarketPublishers.com is happy to inform that new beverage market reports drawn up by Canadean can be found in its online catalogue.
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text:
US Ambassador is Martyr to Zionist Ambition
September 12, 2012
Bacile, a California real estate developer who identifies himself as an Israeli Jew, said he believes the movie will help his native land by exposing Islam's flaws to the world.
"Islam is a cancer, period," he said repeatedly.
"The two-hour movie, "Innocence of Muslims," the film claims Muhammad was a fraud. An English-language 13-minute trailer on YouTube shows an amateur cast performing a wooden dialogue of insults disguised as revelations about Muhammad, whose obedient followers are presented as a cadre of goons.
"It depicts Muhammad as a feckless philanderer who approved of child sexual abuse, among other overtly insulting claims that have caused outrage.
left - US ambassador to Libya, Chris Stevens, in the hands of Libyans who are not paid by the CIA.
But the US diplomatic mission to Libya was a Trojan Horse. They were setting the stage for the NATO coup d'tat. The 'Rebels' were mercenaries - that on other days the media calls 'Al Queda'. Stevens is a man that lied through his smile to the Libyan government till the last minute, then slipped out of the country, and slipped back in as "Envoy to the Rebels"
In a world where Illuminati governments "eat their young" Stevens was set up - sacrificed - so that Obama and Hillary can "vow track down ambassador's killers".
As this attack and killing actually serves the purpose of US State Department I'm calling it yet another false flag attack -- a pretext for war.
Do you wonder what went through Stevens' mind when he realized his own Masters had thrown him from the train?
2011: Hillary gloats and laughs over Gaddafi's brutal murder "We came, we saw, he died"
Hillary's man on point got the same kind of death as Gaddafi.
Gordon Duff The Stench of Mosaad-CIA False Flag


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Your first-quarter best-of list is not safe. Atlanta doom-crunch kingpins Mastodon now have a release date. On March 24, Reprise will unleash the band's fourth album, Crack the Skye. How much is this album going to rule? Here's drummer Brann Dailor, talking to MTV: "It is my favorite thing we've ever done, and I hold it very dear." Keep in mind that Mastodon recorded ["Blood and Thunder"](http://www.youtube.com/watch?v=xIhKRKSpvbI ""Blood and Thunder"" ). "Blood and Thunder" is not Brann Dailor's favorite thing that he's ever done. That is big talk.
Other tidbits from that MTV article: The title is not, in fact, a reference to the unjustly forgotten Maryland prog band Crack the Sky. Rather, it's a reference to Dailor's sister Skye, who died when he was a teenager. Dailor wrote most of the album's lyrics, and face-tatted guitarist Brent Hinds wrote most of the music, immediately after he recovered from a serious head injury. It's almost scary to consider just how intense this album will be.
And for full immersion in that intensity, Mastodon will release a deluxe limited-edition version of the album with a whole bunch of bonus material and ridiculously cool packaging. The CD will come in a hard box with "a third dimension worm hole design" from Paul Romano, the guy who does all the Mastodon cover art. Third dimension worm hole design! This band rules.
That deluxe edition will also come with a DVD that'll feature "The Making of Crack the Skye", track-by-track commentary from the band, a photo gallery, and other stuff. There will also be an exclusive 14"x14" lithograph from Romano. Mastodon themselves will autograph the first bunch of orders.
Also, keep on the lookout for the launch of the album's website, which will probably be just as intense.
On February 28, Mastodon will headline the ridiculously badass Scion Rock Fest along with Neurosis and practically every other great metal band out there. They're also set to play Coachella on April 18. And this summer, they'll play a whole mess of European stadiums opening for Metallica.
02-28 Atlanta, GA - The Masquerade (Scion Rock Fest)
04-18 Indio, CA - Coachella Festival
06-14 Helsinki, Finland - Hartwall Arena *
06-15 Helsinki, Finland - Hartwall Arena *
06-17 Oslo, Norway - Spektrum *
06-19 Nickelsdorf, Austria - Nova Rock Festival *
06-20 Nijmegen, Netherlands - Goffert Park (Sonisphere Festival) *
06-22 Milan, Italy - Datch Forum *
06-24 Rome, Italy - Palalottomatica *
07-04 Hockenhein, Germany - HokenheimRing (Sonisphere Festival) *
07-05 Werchter, Belgium - Rock Werchter *
07-07 Nimes, France - Festival de Nimes *
07-11 Barcelona, Spain - The Forum (Sonisphere Festival) *
07-13 Madrid, Spain - Palacio de Deportes *
07-14 Madrid, Spain - Palacio de Deportes *
07-16 Zurich, Switzerland - Hallenstadion *
07-18 Hultsfred, Sweden - Folkets Park (Sonisphere Festival) *
07-20 Copenhagen, Denmark - Copenhagen Forum *
07-22 Copenhagen, Denmark - Copenhagen Forum *
07-23 Copenhagen, Denmark - Copenhagen Forum *
07-25 Pori, Finland - Kirjurinluoto (Sonisphere Festival) *
07-27 Copenhagen, Denmark - Copenhagen Forum *
07-28 Copenhagen, Denmark - Copenhagen Forum *
08-02 Stevenage, England - Knebworth House (Sonisphere Festival) *
- with Metallica


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LG and Prada Have Mobile Phone Retailers Wrapped around Their Little Fingers
We've had a great tip-off from one of our readers who just so happens to be a retailer for one of the muchly-coveted LG Prada mobile phones, and whoa, have we got some juicy gossip for your next trip to the office watercooler! It seems LG are really bending over backwards to please the Italian fashion house, even going to such extremes as sending an 11-page document to retailers detailing exactly how the mobile should be displayed. Not only this, but the retailers must send LG photos of the interior and exterior of the shop the phone will be sold in. It just goes to show how retailers are willing to bend over backwards in order to be granted the privilege of stocking the exclusive mobile - although we reckon it's probably pretty common for designer badged gadgets to come with their own list of rules and regs. Read on below for all 17 guidelines retailers must adhere to, and why you should always call the ear-candy 'LG Prada phone', and not 'Prada phone by LG'. Snigger snigger. Their strict demands haven't dampened my desire for one, however.
1. Only the Handset Images Supplied by Prada Can Be Used. the Screen Shots Must Not Be Changed from the Screen Shots on the Images Provided
2. The Background to the Handset on All Collateral Must Be Either Black (preferably), White, or 60-70% Black (grey). if a Blue Background is Being Used by the Retailer as Part of Their Overall Store Design, Blue May Be Used as a Backdrop but Prada Need to Agree This on an Individual Basis
3. Dummy Handsets Must Be Displayed on a Black ( Preferably), White, or 60-70% Black ( Grey) Background. if the Standard Colour in the Retailer behind the Dummy Display is Blue then Blue Can Be Used but Prada Need to Agree This on an Individual Basis
4. The Specification of the Phone Can Be Written Next to the Phone as Can the Price Point. the Price Point Must Not Be Bigger than 10% in Ratio to the Size of the Prada Phone It is Displayed Next to Unless Agreed with Prada on an Individual Basis
5. Retailers Can Use the Standard Format of Their Publications, Provided They Use Images Provided by Prada without Any Changes. the Handset Must Be Displayed on Either a Black or White Background in These Publications. Rules of Logo Usage and Font Size Still Apply in the Publications
6. When the Handset is Displayed on the Retailers Website, the Same Rules as the Retailer's Publications Apply
7. The Phone is Always Called the 'Prada Phone by LG'. This is Always Written on the Same Line
8. The Prada Logo is Never Used on Its Own. It Can Only Be Used as Part of 'Prada Phone by LG'. when It is Used the LG Logo Must Also Be Used
9. When Retailers Write the Manufacturers Name in a Standard Font They Can Write 'Prada Phone by LG' in That Font / Colour
10. The Prada Advert Imagery Can Only Be Run in Agreement with Prada. No Images from the Advert or the Advert Itself Can Be Used at All without Prior Consent and Sign off from Prada
11. No Logo, Type or Lettering Should Touch the Handset Images Unless Agreed with Prada on an Individual Basis
12. Prada and LG Logos Must Only Be Used in Either Black or White as Supplied by Prada and LG
13. No above the Line Activity Should Occur on the 'Prada Phone by LG' without Prior Agreement from Prada and LG
14. Above the Line Activity Includes All Press, Radio, TV, Direct Mail, and Any out of Store Branding
15. These Are Guidelines to Help the Partner Produce Prada Branding That Will Meet the Prada Standards for This Product. All Material Featuring the Prada Handset and Prada Brand is Still Required to Be Signed off by Prada in Advance
16. The Prada Phone by LG is Only to Be Sold by LG Authorised Retailers, Networks and/or Distributors to Either End-users and/or Other Authorised Retailers/ Dealers Who Have Been Approved by LG as Complying with Its Selection Criteria
17. The Prada Phone by LG is Not to Be Sold for Any White Label, Affinity or Fulfillment Sales Unless Such Sales Have Been Approved by LG as Complying with LG's Selection Criteria
Related: The inside story on the LG Prada mobile | LG Prada phone stockists | LG Prada review


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Print Recipe
BOOST n BLEND® is the first instant hair volumising product for women with thinning hair.
BOOST n BLEND is a simple, quick and easy cosmetic hair volumiser for women with fine, thin and thinning hair. Available in a range of colours, BOOST n BLEND's volumising micro fibres shake on to clean dry hair to provide an instant cosmetic result.
Do you worry that people can see your scalp through your hair? Is it worse under bright lights or in the sunlight? Then BOOST n BLEND is the answer you have been hoping for. It is the most effective way to cover up visible scalp and gain your confidence back.
Made from a natural cotton fibre, BOOST n BLEND works by adding millions of tiny hair-like micro fibres to sparse hair making it look instantly thicker.
BOOST n BLEND was developed with specialist colour consultants here in Australia to ensure these micro fibres blend in perfectly with your existing hair to become completely undetectable, even under bright lights and sunshine.
BOOST n BLEND micro fibres stay in place until the next hair wash and restore the appearance of thicker, more abundant hair, providing an instant volume and confidence boost.
BOOST n BLEND is available in 8 popular colours. Buy online or in selected salons.
amazed how quickly this was delivered found it to be easy to use.noticed how good it was on first use very good
This is amazing!! It is so easy to use and you get instant results, it makes my hair look so much fuller and it looks natural. It stays in for a few days until I wash it again. Thank you boost n blend I love it.
Similar Product Reviews


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Thanks for printing! Don't forget to come back to Tara Fine Jewelry for fresh articles!
Ritani 18k Yellow Gold Diamond Engagement Ring, 3.7G, .10TDW (Center Stone Sold Separately)
Tara Fine Jewelry Company is your Atlanta Rolex Dealer and expert jeweler specializing in the most stunning Designer Jewelry and Engagement Rings Atlanta has to offer.
Glittering brilliance is forever promised in this radiant Ritani 18k Yellow Gold Diamond Engagement Ring - a new design now featured at Tara Fine Jewelry Company, your Atlanta Jeweler for Ritani Jewelry and the most spectacular Engagement Rings in Atlanta. This outstanding Ritani Rings showcases a sparkle that is truly unmatched. The ring is fashioned from glittering 18k Yellow Gold and features a simple polished shank. This classic design is wonderfully accented by a gorgeous reverse Diamond Halo with 16 shimmering Diamonds at .10TDW. This lovely reverse halo is sure to highlight the glorious beauty of your marvelous Center Diamond (sold separately). Dare to shine an unbelievable sparkle with this incredible Ritani Diamond Engagement Ring from Tara!
At Tara Fine Jewelry Company you will find the best selection of Designer Jewelry and Engagement Rings Atlanta has to offer, as well as the finest collection of luxury watches. As the authorized Rolex Atlanta dealer, we feature the largest inventory of Rolex watches in Atlanta and specialize in Rolex repair and service. Stop by today and marvel at our amazing assortment of high quality jewelry and luxury Swiss-watches. Tara Fine Jewelry Company – 3 miles from the Mall of Georgia; miles away in customer service!


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BTC Precision Batting Gloves
75 77 £75.00 - £77.00
per item
BTC Precisionall white batting gloves,
- Made from premium quality sheep leather, these gloves offer excellent comfort, the multiple flexi points allow your hands to move freely optimising grip.
- Mesh lining for better ventilation.
- Perforation in palm and fingers for air flow
- The mesh panelling and ventilation holes make these gloves extremely breathable.
- Towelled wristband with embossed velcro for perfect fit.
- Foam filled finger parts for optimum comfort.
- Palm made from premium quality sheeps leather for better grip.


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Finding a top-level engineering school can make the difference between having a good job at graduation and being unemployed. Employers pay attention to the program you attended. Each year, U.S. News and World Reports ranks the best colleges in several programs and areas, and these rankings are widely regarded.
Undergraduate Schools: East
The highest ranked engineering school according to U.S. News and World Reports is east of the Mississippi. The Massachusetts Institute of Technology is in Cambridge and is home to about 4,000 students each year. Admission to the school is competitive. The Rose Hulman Institute of Technology in Terre Haute, Indiana, is classified as the best undergraduate program where a doctorate degree is not offered. The Georgia Institute of Technology is ranked fourth overall. The school is in Atlanta.
Undergraduate Schools: West
The West Coast dominates in the rankings of the top five engineering schools. Stanford University is ranked second overall and is about 30 minutes from San Francisco in the city of Stanford. It's a private school. The University of California's Berkeley campus is ranked third and is home to more than 25,000 students each year. The California Institute of Technology in Pasadena, tied for the fourth overall ranking with the aforementioned Georgia Tech, is a research school, and students are active researchers who work with programs like NASA.
Graduate Schools: East
MIT is also listed as the top graduate engineering school in the nation. Around 2,700 graduates are enrolled in the program each year. Georgia Tech is ranked fourth overall. The University of Illinois' Urbana Champaign engineering program is ranked fifth overall and has more than 2,600 graduate engineering students each year. Carnegie Mellon University is a private school in Pittsburgh, Pennsylvania, that's ranked sixth in the top engineering graduate programs.
Graduate Schools: West
Stanford University is second for graduate engineering students. University of California Berkley is ranked third. The California Institute of Technology is ranked seventh and has only about 500 graduate students each year. The University of Texas at Austin is ranked ninth overall. In-state tuition at the school costs about $8,000 a year. The University of Southern California in Los Angeles is ranked 15th and has an average graduate engineering enrollment of 1,635 students.


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Cyrille Conseil, CFASenior Portfolio Manager
Cyrille is a Senior Portfolio Manager at Anfield Capital. He is the lead portfolio manager of the Anfield Universal Fixed Income Fund and is responsible for trading, credit research and portfolio management. He is also a member of the Investment Committee.
Cyrille has over 20 years of investment management experience having most recently worked with PIMCO for 12 years. He was an Executive Vice President, portfolio manager, and head of PIMCO's global Leveraged Loan Desk, where he managed over $7 billion in assets under management.
Prior to his portfolio management responsibilities, Cyrille was a senior member of PIMCO's credit research team, where he was responsible for the coverage of the Telecom, Media, and Cable industries among other industries.
Cyrille received an MBA with a concentration in Finance and International Business from Columbia University and a BS in Economics with a concentration in Finance from the Wharton School of the University of Pennsylvania. He has also obtained the Chartered Financial Analyst (CFA) designation.
In his spare time, Cyrille enjoys travelling and adding new golf courses to his bucket list.


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Top News:
Jeff Roberts / paidContent:
As Staff Flees, TechCrunch's Traffic Plummets — TechCrunch, the long-time darling of the digerati, is smashed to bits and all of AOL's horses and men will be hard-pressed to put it together again. The site has lost almost every one of its top writers and traffic has fallen sharply, dropping by 35 percent from a year ago.
Discussion: VentureBeat, Boing Boing, AllThingsD and TechCrunch
Ben Popper / VentureBeat: Crunch time at TechCrunch: Site has lost 35% of its traffic since September
Rob Beschizza / Boing Boing: TechCrunch not dead yet
Tom Cheredar / VentureBeat:
AOL sees three more major talent departures
AOL sees three more major talent departures
Discussion: Betabeat, WebProNews, FishbowlNY and AllThingsD
Adrianne Jeffries / Betabeat: Engineering and Editorial Exodus at AOL
Chris O'Shea / FishbowlNY: AOL Loses CTO, Top Engineer and TechCrunch EIC in Same Day
Kara Swisher / AllThingsD: Exclusive: AOL's CTO Alex Gounares Leaves Company
Lisa O'Carroll / Guardian:
News of the World 'may have paid £850,000' to Glenn Mulcaire — Liberal Democrat MP Simon Hughes submits table which he says shows phone-hacking investigator's earnings — The private investigator who allegedly conducted "industrial scale" phone hacking on behalf of the News …
Crimewatch presenter: NotW spied on me because of its links to Daniel Morgan murder case
Crimewatch presenter: NotW spied on me because of its links to Daniel Morgan murder case
Discussion: Reuters, The Independent, Guardian, Metro.co.uk, Guardian, Journalism.co.uk and Press Association
James Cusick / The Independent: NOTW 'spied on detectives for suspect in murder case'
Rachel McAthy / Journalism.co.uk: Jacqui Hames: Surveillance left me 'distressed, anxious and needing counselling'
Lisa O'Carroll / Guardian:
Leveson inquiry: banning unofficial police interviews would 'help abuse'
Leveson inquiry: banning unofficial police interviews would 'help abuse'
Discussion: Press Gazette
Tom Harper / This Is London:
Rebekah's gift horse from Met shows its close ties to Murdoch newspapers
Rebekah's gift horse from Met shows its close ties to Murdoch newspapers
Discussion: The New Yorker Blog, FleetStreetBlues, Press Association, Guardian, Guy Fawkes' blog, Press Gazette and Guardian
Lauren Collins / The New Yorker Blog: The Sun Rises Again, Sort Of
Andrew Sparrow / Guardian: Politics live blog: Tuesday 28 February
Vikram Dodd / Guardian: Brooks and Coulson 'warned in 2006'
Lisa O'Carroll / Guardian:
Phone hacking: six News of the World staff instructed Mulcaire, papers allege
Phone hacking: six News of the World staff instructed Mulcaire, papers allege
Discussion: Guardian, BBC, The Independent, Guardian, Guardian and Journalism.co.uk
Lisa O'Carroll / Guardian: Met failed to tell MP of extent of phone hacking commissioning, inquiry hears
Dominic Rushe / Guardian: News Corp faces threat of US legal action
Paul McNally / Journalism.co.uk: Leveson: inquiry remains 'committed to free press'
Jim Romenesko:
The Daily threatens to sue reporter for tweeting objection to story — Earlier this month, Luke Kummer tweeted this objection to the handling of his reporting, then resigned from The Daily, Rupert Murdoch's iPad publication. He then received this warning from the HR manager for The Daily and New York Post:
Discussion: The New York Observer and FishbowlNY
Chris O'Shea / FishbowlNY: Don't Mess with The Daily's Twitter Policy
Barry Petchesky / Deadspin:
"Twitter Is Not Your Personal Playground," ESPN Reminds Its Employees — A mole sends along the following email, which was spammed out to ESPN talent on Monday: … Going unmentioned is the brow-mopping and relief in Bristol that controversies over childish Twitter fights over attribution …
Brian Stelter / New York Times:
Once Film-Focused, Netflix Transitions to TV Shows — Belying the "flix" in its name, Netflix is now primarily an Internet streaming service for television shows, not feature films. — TV series now account for more than half of all Netflix viewing. That helps to explain why this Wednesday …
Discussion: Engadget, WebProNews, The Consumerist, Shelly Palmer Digital Living, Gizmodo, /Film and SlashGear
Richard Lawler / Engadget: Starz Play movies disappear from Netflix streaming this week
Phil Villarreal / The Consumerist: Starz Movies Fall Off Netflix Streaming This Week
Mario Aguilar / Gizmodo: The 20 Best Movies Getting Pulled From Netflix Streaming Tomorrow (Updating)
Mark Raby / SlashGear: Netflix Starz Play titles pulled from streaming
Tim Carmody / Wired:
Oscar Night Turns Into a Winning Night for Netflix, Too
Oscar Night Turns Into a Winning Night for Netflix, Too
Discussion: PC Magazine and GigaOM
Willy Wonka / PC Magazine: All These Movies Will Vanish From Netflix Tomorrow
Liz Shannon Miller / GigaOM: Where are this year's Oscar nominees online? Not on Netflix
Syria unrest: UK's Conroy freed from besieged city — Briton Paul Conroy has been rescued from the besieged Syrian city of Homs, but France's President Sarkozy has withdrawn an earlier statement that wounded journalist Edith Bouvier is also safely in Lebanon. — Her whereabouts remain unclear, hours after she apparently left Homs.
Discussion: Committee to Protect …, The Huffington Post, Reuters, Reuters, Guardian, ABCNEWS, Associated Press, Digital Spy, CNN, Poynter and Committee to Protect …
Peter Beaumont / Guardian: Syrian activists killed in Paul Conroy rescue mission
Tom Nagorski / ABCNEWS: The Global Note: Cruise Nightmare - Redux...Getting Out Of Homs...Three Million Tons Of Tsunami Debris
Andrew Laughlin / Digital Spy: Sunday Times photographer smuggled out of Syria
Andrew Beaujon / Poynter: Morning media roundup: Injured journalist Conroy escapes Syria, Bouvier still there
Stephen Farrell / At War:
Conflict Reporting in the Post-Embed Era
Conflict Reporting in the Post-Embed Era
Discussion: Telegraph, Freedom of the Prez and The Editor's Desk
Ingrid Lunden / TechCrunch:
MTV Mobile Moves Into Social TV With Digital Agency AKQA — Viacom's MTV is making one more move into trying to capture the youth market on the platform where it's increasingly spending most of its time: the broadcaster, in partnership with digital agency AKQA, has launched "Under The Thumb," a new social TV app.
Kunur Patel / AdAge: MTV Introduces On-Demand TV App in Europe
Melissa Hoffmann / Adweek: MTV Debuts Social TV Mobile App at Mobile World Congress
Kerri Macdonald / Lens:
A Tumblr From Times Past — For generations, most of the photographs housed in the newsroom archive of The New York Times — known affectionately as "the morgue" — have been hidden away from the public eye in filing cabinets and manila folders. — There are exceptions, of course.
Discussion: FishbowlNY, Mashable!, The Lively Morgue and Poynter
Chris O'Shea / FishbowlNY: The New York Times Launches Tumblr for Old Photos
Andrew Beaujon / Poynter: New York Times introduces morgue photo Tumblr
Mark J. Perry / CARPE DIEM:
Newspaper Ad Revenues Fall to 60-Yr. Low in 2011 — The chart above displays total annual print newspaper advertising revenue based on actual annual data from 1950 to 2010, and estimated annual revenue for 2011 using quarterly data through the third quarter, from the Newspaper Association of America.
Discussion: Seeking Alpha and The Atlantic Online
Derek Thompson / The Atlantic Online: The Collapse of Print Advertising in 1 Graph
Mathew Ingram / GigaOM:
Why Warren Buffett is wrong about newspaper paywalls — Warren Buffett, one of the world's wealthiest men, got that way by making smart investments in companies like Gillette and Coca-Cola Co., and now he has acquired a newspaper: the Omaha World-Herald, which he bought recently for $150 million.
Discussion: CJR, Poynter, Publishing Executive …, Warren Buffett Watch and NetNewsCheck Latest
Ryan Chittum / CJR: Warren Buffett and Paywalls
Andrew Beaujon / Poynter: Is Warren Buffett right or wrong about the Washington Post's business model?
Publishing Executive Business Management News: Washington Post Launches 'Personal Post' News Aggregator
Alex Crippen / Warren Buffett Watch: CNBC Transcript Part 1: Warren Buffett on Buying Houses and the Next Berkshire CEO
Joe Pompeo / Capital New York:
Condé Nast leads the pack in just-released nominations for big digital-magazine award, the Digital Ellies — With a total of 10 nominations, Condé Nast is leading the pack in the American Society of Magazine Editors' third annual National Magazine Awards for Digital Media, otherwise known as the Digital Ellies.
Discussion: MPA, MinOnline, Folio, Adweek and FishbowlNY
Stefanie Botelho / Folio: The Atlantic, Golf Digest, National Geographic, New York Earn Multiple Digital Ellie Nods
Emma Bazilian / Adweek: Condé Nast, Time Inc. Dominate ASME 'Digital Ellies' Nominations
Chris O'Shea / FishbowlNY: Digital Ellie Finalists Announced
Dylan Byers / Politico:
Julian Assange claims 'intellectual property' — Julian Assange, the founder of the whistle-blowing organization WikiLeaks, may have been the subject of a U.S. government indictment, according to reports out today. — In 2011, the vice president of Stratfor, the private intelligence firm whose emails …
Discussion: TPM Idea Lab and This Just In
Carl Franzen / TPM Idea Lab: Anonymous Basks In Wikileaks Dump of Stratfor Emails
Julian Assange / This Just In: WikiLeaks + Anonymous = A powerful partnership?
Mathew Ingram / GigaOM:
Does WikiLeaks still matter?
Does WikiLeaks still matter?
Philip Dorling / Sydney Morning Herald: Revealed: US plans to charge Assange
Andy Greenberg / The Firewall: Stratfor Email Hints U.S. May Have Already Indicted WikiLeaks' Assange
Alex Fitzpatrick / Mashable!: WikiLeaks Release Shows U.S. May Charge Julian Assange [REPORT]
Joe Pompeo / Capital New York: The big WikiLeaks dump ends not with a bang but a whimper; plus, advice from Davos …
Daniel W. Drezner / Foreign Policy: Wake me when WikiLeaks publishes the Illuminati e-mails
Mathew Ingram / paidContent:UK: Does WikiLeaks Still Matter?
Crispin J. Burke / At War:
As Social Media Expands, Military Bloggers Find More Outlets — This month, the editors of The Thunder Run published a two-part lament on the decline of the milblog, echoing a post by Tom Ricks of Foreign Policy from January of last year. But milblogging is far from dead.
Barb Palser / American Journalism Review:
The Twitter Death Epidemic — All of the bogus tweets about celebrity deaths underscore why it's silly to assert that Twitter "beat" the news media in reporting Whitney Houston's demise. Tues., February 28, 2012. — Barb Palser (firstname.lastname@example.com) is director of digital media for McGraw-Hill Broadcasting Co.
Discussion: @mathewi
Dave Itzkoff / ArtsBeat:
Michael Mann Brings 'Witness,' Documentary Series About War Journalists, to HBO — Having taken a deep dive into the world of hardened gamblers for the HBO drama "Luck," the director Michael Mann is reteaming with that cable channel to create a documentary series about the lives of combat photographers.
Discussion: The Huffington Post and Deadline.com
Katherine Fung / The Huffington Post: Rare Series Follows Combat Photojournalists


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Prom Inspired Weekend Reads
There's not much in the way of School Formal themed novels here in Australia, however to get your School Formal novel fix check out these fun reads from the States.
There's nothing quite like spending a Winters weekend indoors, with a hot drink of choice, a pack of chocolate biscuits, kicking back and immersing yourself in fictional Prom reads.
1. Prom & Prejudice
By: Elizabeth Eulberg
It is a truth universally acknowledged, that a single girl of high standing at Longbourn Academy must be in want of a prom date.
After Winter break, the girls at the very prestigious, very wealthy, girls-only Longbourn Academy are suddenly obsessed with the prom, which they share with the nearby, equally elitist, all-boys Pemberley School. Lizzie Bennet, who attends Longbourn on scholarship, isn't exactly interested in designer dresses and expensive shoes, but her best friend, Jane, might be-especially now that Charles Bingley is back from a semester in London.
Lizzie is happy about her friend's burgeoning romance, but less than impressed by Will Darcy, Charles's friend, who's snobby and pretentious. Darcy doesn't seem to like Lizzie either, but she assumes it's because her family doesn't have money. Clearly, Will Darcy is a pompous jerk—so why does Lizzie find herself drawn to him anyway?
Will Lizzie's pride and Will's prejudice keep them apart? Or are they a prom couple in the making?
2. Prom
By: Laurie Halse Anderson
Philadelphia High School who doesn't care about the prom? It's pretty much the only good thing that happens there, and everyone plans to make the most of it—especially Ash's best friend, Natalia, who's the head of the committee and has prom stars in her eyes.
Then the faculty advisor is busted for taking the prom money and Ash finds herself roped into putting together a gala dance. But she has plenty of help—from her large and loving (if exasperating!) family, from Nat's eccentric grandmother, from the principal, from her fellow classmates.
And in making the prom happen, Ash learns some surprising things about making her life happen, too.
3. Prom Crashers
By: Erin Downing
It was love at first sight for Emily and Ethan. But then Em lost his number and, with it, all the hope of finding a real boyfriend before the end of senior year. All she knows about Ethan is his first name, that he has a supercute smile, and that he's going to a prom this month. Which high school? That's anyone's guess….
Em enlists the help of her three best friends, who quickly score formal wear and hail a limo. Together, Emily, Max and Sid vow to find Ethan, to find a cure for senioritis, and most important, to find true love — one hilarious prom night at a time.
4. Prom
By: Ellie O'Ryan
For some, it's the most highly-anticipated event in all of high school. For others, it's dreaded like the SATs. For Nova Prescott, it's a night she's been planning for months. It's prom. And all Nova wants is for Brandon to ask her to be his date. It looks as though all her organization will pay off, but then Brandon asks her to "carpool" so they can lower their "carbon imprint" and to make matters worse, an accidental fire causes the prom decorations to go up in smoke! By a funny twist of fate, the school rebel, Jesse Richter, is forced to take time after school to help Nova repair the damage. At first this seems like torture for both of them, but slowly Nova begins to see that there is something kind and warm beneath Jesse's motorcycle-riding, brooding exterior. Should she take the safe route and carpool with Brandon, or should she follow her heart and put her trust in Jesse?
5. The Anti-Prom
By: Abby McDonald
Three unlikely allies team up for a night of rebellion, romance, and revenge in a high-stakes dramedy from acclaimed young author Abby McDonald.
They've spent years at the same high school without speaking a word to one another, but that's all about to change. Popular Bliss was having the perfect prom until she found her BFF and boyfriend making out in the back of a limo. Bad girl Jolene wouldn't be caught dead at the prom, yet here she is, trussed up in pink ruffles, risking her reputation for some guy – some guy who is forty minutes late. And shy, studious, über-planner Meg never counted on her date's standing her up and leaving her idling in the parking lot outside the prom. Get ready for The Anti-Prom, Abby McDonald's hilarious, heart-tugging tale about three girls and one unforgettable prom night.
Where To Buy:
All of the fun reads above are available through Amazon and Apple Ibooks. Prefer to read the paperback version, then check in with your local bookstore and see if they can order you a copy.
Happy reading!


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Shopping Just Gets Easier!
At US Unlocked we know everyone wants a good deal when shopping online. Why pay more than you have to? Therefore we want to give you the best tools that will help you save money while shopping on U.S. websites. Learn how to get the lowest prices and to get the best discounts.


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One of the UK's most accessible soul-funk-jazz artists, James Brown Is Annie met in a piano bar, rehearse next to a sex shop, and take their name from an Eddie Murphy Saturday Night Live sketch.
Supported by National Arts body, Creative Scotland, the group's two albums (JBiA I and JBiA II) were produced by original Average White Band members Molly Duncan (2015) and Hamish Stuart (2018).
Regulars on Scottish national television and radio, JBiA's second single, Get Up To Get Down, was a BBC Radio Scotland 'Single Of The Week' in April 2016.
The only band to have headlined two different stages at the famous Edinburgh Hogmanay Street Party (Waverley Stage 2012, Mound Stage 2017), playing to over 80,000 people, the Scottish sextet have shared stages with some of music's top recording artists (Average White Band, The Family Stone, Kaiser Chiefs, Electric Six, etc.) at some of the country's most prestigious venues, selling out many along the way.
'The funk is strong with these ones' – DAILY RECORD
'Proof that Scotland has the funk' – THE HERALD
'A perfect example of just how much fun funk can be' – THE SCOTSMAN
'Seriously funky'- JAZZ FM
'Super-tight horns, funky rhythm section, and cool vox' – THE TIMES
'Really cool' – BBC RADIO SCOTLAND
'An infectious beat that is hard to resist dancing to' – THE SUN


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Chartered Portfolio Manager (CPM)
A designation for individuals who specialize in portfolios, provided by The American Academy of Financial Management (AAFM). Candidates must a certain number of years experience and an approved degree in finance, tax, accounting, financial services, law, a CPA, MBA, MS, PhD, or JD. They also need to take additional courses and continue their education.


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If you have adopted a natural and organic lifestyle (or you are trying to), I have good news. You can get great savings on these types of products from Mambo Sprouts which are redeemable at Whole Foods. You can also look for more great Mambo Sprouts offers in your Valpak envelope. Get your coupons below.
Disclosure: This is a sponsored post. All opinions stated are my own.Disclosure: This post may contain affiliate links. When you click on these links, you are helping to support my blog. Thank you.


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What is incorporation?
Incorporation is the process of making your club or organisation a legal association. Even though there is no legal necessity for a voluntary organisation such as a tennis club to become incorporated, it is recommended.
Why is it a good idea?
Incorporation enables your Club to:
- Apply for government grants
- Be eligible for the National Court Rebate Scheme
- Protect individual members of an organisation from legal liability
- Enter into enforceable contracts
- Enter into lease agreements
How does the incorporation process work?
The details provided below are from an extract obtained from: Consumer Affairs-incorporation
Steps to incorporation:
- Call a meeting of the members to decide who will fill the roles of the Committee (Secretary, Public Officer, President, Treasurer)
- Vote upon and approve the association's name
- Approve the constitution/rules – associations are governed by a set of rules. They can create their own or adopt the Model Rules
- Complete and lodge the Application for Incorporation
- Lodge the form together with the constitution/rules and the fee
- Forms can be lodged:
- electronically; or
- by post to GPO Box 1244, Hobart TAS 7001;
- or in person at any Service Tasmania outlet.
It is essential that your club has a Constitution. This provides a basic framework to assist in the daily running of your club, and offers members and club committees with some certainty about roles, responsibilities, rules, and decision-making authority.
What, Why & How?
- The Constitution is a set of rules or guidelines outlining how the association and its members should operate
- Consumer Affairs and Fair Trading provides a template constitution, known as the Model Rules
- Associations can either adopt or amend the Model Rules
- Amending an association's constitution is done through the passing of a Special Resolution
- This is where the association advertises its intent to make changes to its constitution and then holds a Special General Meeting to vote on the changes. If three-quarters of the members present at the meeting vote in favour, the changes are passed
- The Public Officer is required to notify Consumer Affairs and Fair Trading of the amendments within one month by lodging a Notice of Special Resolution, and attaching a copy of the changes
- Members are expected to abide by the association's constitution
- Consumer Affairs and Fair Trading does not have the authority to investigate a breach of an association's constitution, or any dispute that may arise between members
- Any dispute or issues should be dealt with internally or by seeking independent legal advice.
About Constitutions (includes a sample)
For useful additional information on incorporation and constitutions, see Sport & Recreation Tasmania


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We offer online services from three disciplines – Aromatherapy, Nutrition and Fitness – all vastly different, but when used together, can be a powerful healing tool.
Aromatherapy is the therapeutic use of essential oils (alone or blended) by a trained aromatherapist to enhance the healing process and promote health of the body, mind and spirit.
Aromatherapy Basic Package
Includes the following:
Initial Consultation of 45-60 minutes
1, 30-minute follow-up consultation
1, 5ml custom blend (includes 1 reformulation if needed)
Prior to getting started, each client is thoroughly assessed and evaluated, in order to isolate any potential causes of ill health. Recommendations will be presented for your self-care, and custom hand-blended products made specific to your needs. We will work together to develop a plan for your continued wellness in a manner that suits your lifestyle and budget.
There is much confusion as to what to eat or not to eat. Balance, variety and moderation should be the mantra of a good nutrition program. All foods can fit, and learning how to balance a busy lifestyle with good nutrition is the key to long-term success.
Education is a critical component of the program – learning the hows and whys to eat is more beneficial than simply being told what to do. Once a person is able to understand and appreciate the basics of nutrition, it will make their day-to-day navigation of shopping, cooking and dining out that much easier.
Nutrition Basic Package
Includes the following:
Initial Consultation of 60 minutes
Personalized Meal Plan
3, 30 minute follow-up sessions
Telephone and Email Support
Prior to getting started, you will need to fill out a detailed nutrition / health assessment as well as keep a 3-day food diary. A personalized and customized program that suits your specific lifestyle health needs and goals will then be created.
Exercise is not a fad or short-term solution. It is part of one's lifestyle and daily routine. It is something that when done repeatedly, brings about good health, positive emotions, and a strong body.
Deciding to change your current fitness situation is the first step in creating a lifelong habit. Whether you're just learning to love exercise or you're a veteran athlete looking for that extra push, there is always room for you to grow as an individual and improve physically. Being able to find what motivates you, what drives you, and what keeps you going will be the key to your success.
Fitness Basic Package
Initial Consultation of 60 minutes, which will include a 30-minute health assessment along with a 30-minute light workout.
You then have the option of purchasing 5, 8, or 12, 30-minute follow-up sessions.
All sessions will be via Skype or Facetime
Prior to getting started, each client is thoroughly assessed and evaluated using our detailed fitness questionnaire. All recommendations will be presented and a customized fitness program specifically designed for you will be created. We will work together to attain and maintain reachable goals.


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Around Town
Get started with College Greenlight to compare the Chaminade University of Honolulu weather with your hometown!Create an account now!
read, arts and crafts, spend time outdoors, swimRead More
On campus they have many activites and clubs you can join to have a better experience on campus. My favorite is the dance clubs. Twice a year they all go up against eachother and try to show off their skills in front of the whole school. Through this event everyone gets to see the different cultures and races of Chaminade.Read More
This also depends on what your idea of fun is. Of course there are many beaches and plenty of activities to do in Waikiki, but there are also numerous hiking opportunities, as well as food festivals and a decent nightlife.Read More
Join activities or go out with the new friends you have made.Read More
The beach is really close, Waikiki is the closest beach and the largest tourist destination in Hawaii. There is a lot of great hikes and plenty of other things to do in the outdoors.Read More
There are many things to do for fun at Chaminade. We have a fitness facility where student can go and work out. We have tennis and volleyball courts. And there is always something to do in the lounge!Read More
5 minute drive to downtown Waikiki, whats not to love?Read More
The Office of Student Activities & Leadership always has events for students to attend. There is always a dance for each holiday and there are many varieties of events on campus. For example, there are zumba classes, self-defense classes, yoga classes, and more.Read More
Um it is Hawaii what else do you need?Read More
Students are left with several options here in Hawaii. The university is almost at the center of business. The water is close by for swimmming with friends, the hike spots are close by, stores and malls are always there for your needs.Read More


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A Midsummer Night's Dream, Concert Overture op. 21 MWV P3
℗ 1988
- 12:31Allegro di molto
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6 Ways to Leverage Social Media for SEO
Social media is the new frontier of search engine optimization. People interact with Facebook, Twitter, Google+ and other social platforms in far different ways than they do with search engines, yet in many ways the results are the same — links are shared, content is filtered and the most trusted websites often get the most play. And although Google won't come right out and say it, many SEO experts agree that social media signals are affecting today's search engine rankings.
How can you harness the power of social media to bolster your SEO strategy? Here, we'll review the top six ways to leverage social media to improve your website's search rankings.
1. Develop Social Content
Building an expansive network of inbound links has long been the bedrock of SEO. The more people link to your site, the more trusted it is in the eyes of Google and other search engines. And social media is unprecedented in its ability to build links in a hurry.
Always think of ways to go beyond articles when developing content for your social media channels. Think in terms of instructional videos, off-the-wall infographics and humorous (but helpful) GIFs. You can even create e-books that people can download for free. Be smart about updating social media channels — you're more likely to get views and clicks in the early or late afternoon — and rest assured that your overall SEO will benefit from this content long after its social media shelf life expires.
2. Optimize Meta Tags
Meta tags help establish how webpages are unique, which is why they've always played important roles in SEO. But have you realized how social media platforms put meta tags to work? Facebook, Twitter, LinkedIn and other platforms display meta titles and descriptions when websites are posted or shared. In some cases, your website's meta tags might be your first interaction with new potential customers.
For that reason, it's more important than ever to give meta titles and descriptions the attention they deserve. Meta titles should be 65 characters or less, and meta descriptions should be up to 150 characters in length — more than enough room to concisely explain the purpose of a webpage. Professionally written meta tags can easily be the difference in whether people perceive your website as click worthy.
3. Get Into Google+
Google's foray into social media didn't go exactly as planned. But even if you don't know anyone who uses Google+ for social reasons, don't underestimate the platform's importance for businesses of all sizes. Creating a Google+ page for your business is one of the simplest ways to capitalize on social media in a way that benefits your SEO.
Why does Google+ matter? First, the information, images and other elements on your Google+ profile can directly improve your rankings in several relevant searches. Second, your contact and location information — when synced with free profiles on Yelp, Angie's List and other directory websites — can heighten your visibility for people searching for a local, nearby business. A Google+ profile also makes for a high-quality link to your website, and trustworthy links are always helpful.
4. Start a Blog
Leverage the conversational nature of social media by starting a blog on your business Website. Update your blog regularly with unique, compelling content, and then share that content across your social media channels. Do a good job, and your followers will reward you with likes, shares and links.
Phil is Founder and COO of Main Street ROI. Phil leads the company's operations and is primary creator of Main Street ROI's marketing training programs. He is an expert in search engine marketing, website analytics, and sales funnel optimization. Phil's marketing thought leadership has been published on Forbes.com, Inc.com, MSN.com, and many other major business media outlets.
Phil earned his Master of Engineering Management degree from Thayer School of Engineering and Tuck School of Business and his Bachelor of Arts and Bachelor of Engineering degrees from Dartmouth College. While attending Dartmouth, Phil started every game on the varsity football team as the defensive safety.
Want more SEO tips? Get your free copy of Phil's Ultimate SEO Checklist. Want more AdWords tips? Get your free copy of Phil's Ultimate Google AdWords Checklist.


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Owls loanee Jordan Spence is aiming to make an impact during his loan stint with Wednesday.
The West Ham man's temporary move to Hillsborough was confirmed at the weekend, in time for the defender to feature against Middlesbrough.
Having helped the Owls gain a point at The Riverside, the 23-year-old is excited for the weeks ahead and to get stuck into the thick of things in S6.
He told swfc.co.uk: "I got the shout on Friday and as soon as I heard of the chance to come here, I went straight down to the West Ham training ground, grabbed my boots and got on the next train!
"I thought I did ok in the game but the most important thing was that we took something away from the game.
"I know I can be much better than that, I've not played a lot of football this season so physically it was a good test and something for me to build on.
"I've had one game and now I want to get stuck into training and hopefully help the boys get some positive results and see what happen from there."
The full back, who is also well-equipped to play in central defence, has said he is looking forward to the prospect of making his home debut.
Spence has experience of playing at Hillsborough from four years ago with former loan club Scunthorpe, and is looking forward to stepping out in these surroundings once again.
He added: "This is a big club and an even bigger privilege for me to come here and play.
"The support here is awesome. Obviously I've had the privilege of playing for West Ham, another club with a huge fanbase.
"I've played at Hillsborough before for Scunthorpe so I know how important the fans are here and what role they can play.
"Hopefully I can make an impact here, do the business and help to start racking up those points.
"It's important that I play football, I played football sporadically last season so I've got the chance now to come here and play well, I'll concentrate on doing that and whatever will be, will be."
Spence gave his post-match reaction to the Middlesbrough game on Saturday, click on the video below to watch his interview.


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Portable Wind Turbines for Hiking
The ruggedized outer casing enables our 5V low power unit to be carried in or on your backpack enabling 5V charging on the go. Charge your power bank through the night ready for the next day. Our portable wind turbine is ideal for hikers and wild campers who need reliable power in the most remote places.


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Swedish for Exchange Students, Beginners I
Admission requirements
The prerequisite for this course is basic eligibility for university studies in Sweden; however, applicants are exempted from the Swedish language requirement.
Syllabus for students autumn 2020, spring 2020, autumn 2019, spring 2019
- Syllabus autumn 2020, spring 2020, autumn 2019, spring 2019 (Currently shown)
- Course Code:
- AK301E revision 1
- Swedish name:
- Svenska för utbytesstudenter: Nybörjare I
- Level of specialisation
- Main fields of study:
- No main fields
- Language:
- English
- Date of ratification:
- 27 August 2018
- Decision-making body:
- Faculty of Education and Society
- Enforcement date:
- 21 January 2019
Entry requirements
The prerequisite for this course is basic eligibility for university studies in Sweden; however, applicants are exempted from the Swedish language requirement.
Learning involves the acquisition of both skills in and knowledge of the Swedish language. In addition, students will be given an introduction to Swedish society.
Learning outcomes
The course seeks to provide students with elementary knowledge of and skills in the Swedish language as well as an introduction to Swedish culture and society.
Upon completion of the course, students:
- will have mastered a small basic vocabulary of commonplace Swedish words and phrases;
- can read and understand short phrases and sentences in very simple Swedish;
- can write very simple sentences about themselves and their daily lives in Swedish;
- can talk about themselves in Swedish using very simple sentences and phrases;
- can demonstrate the ability to understand very simple spoken Swedish; and
- can demonstrate mastery of the most basic grammatical constructions in Swedish.
After finishing the course, students will have a knowledge of Swedish that corresponds to approximately 50% of Level A1 on the Common European Framework of Reference scale (CEFR).
Learning activities
Learning activities are lessons, practical exercises (individual and in groups), role plays, conversation and discussion as well as self-study and writing.
The students' oral language ability is monitored through continuous assessment; therefore, students must be present in class for at least 80% of the time. Students who have not been present for 80% of the scheduled lessons must successfully complete an oral examination in order to pass the course.
In addition, the course is examined by means of a written test.
Re-sit examinations:
Students who do not pass the regular course exams have the minimum of two re-sit opportunities. Re-sits follow the same form as the original exams.
Grading system
Excellent (A), Very Good (B), Good (C), Satisfactory (D), Pass (E) or Fail (U).
Course literature and other teaching materials
Additional [photocopied] material may be introduced by the teacher but no more than 100 pages.
Course evaluation
All students are given the opportunity to complete a written evaluation at the end of the course, and a summary of the results will be made available.
Students may also offer oral feedback during the course.
Student participation is exercised through the course council and through direct discussion regarding the different course components.
Course reports
Course reports
The education is provided by the Faculty of Education and Society at the Centre of Academic Learning.


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This pump and engine assembly is the largest that we offer and is very compact in design. The assembly easily replaces older pump/engine assemblies. There are no belts or pulleys. This pump and engine assembly is best used for high height tree spraying. When using a 1" (25 mm) diameter hose, a tree of 90' (27.5 m) can be reached.
The assembly can also be used for industrial and construction applications, such as cleaning out concrete delivery tubes, underground pipe testing and high water volume pressure washer.
The Kappa 150/GR High Flow Pump & Engine Assembly (Kappa-150/GR-ASSY) contains the various features:
- Kappa 150/GR heavy-duty, high pressure diaphragm pump with gear reduction, pressure regulator, pulsation dampener, and pressure gauge
- 31 HP Briggs big block engine with throttle control, keyswitch, electric start, and choke
- Heavy gauge steel base plate with black powder coated finish. Measures 36" L x 24" W x 30" H (914 mm x 610 mm x 762 mm).
- 8 rubber support bumpers
- Weight: 300 lbs. (136 kg)
Specifications for the Kappa 150/GR:
- Max. Flow: 42 GPM (159 LPM)
- Max. Pressure: 700 PSI (48 bar)
- Max. Pump Speed: 550 RPM
- Max. Fluid Temperature: 140 degrees Fahrenheit (60 degrees Celsius)
- Port Sizes: 1-1/2" (38 mm) inlet, 3/4" (19 mm) male NPT outlet, 1" (25 mm) bypass
- Four diaphragm, high pressure, positive displacement pump
- Internally manifolded with anodized aluminum construction
- Urethane diaphragms
- Anodized aluminum, brass, and stainless steel liquid handling parts
- Stainless steel check valves
- Mounting rails included
- Self-priming pump
- Can be run dry
Options:These options come unassembled.
- Optional Suction Assembly (includes suction hose, suction filter, drain valve, suction shut-off valve, necessary fittings and hose clamps)
- Optional Supermix Jet Agitator & Regulator return flow Assembly & Hose
- Optional 12.5 gallon (45 litre) fuel tank (smaller Marine fuel tanks can also be used)
Product Downloads
Additional Information
Write Your Own Review
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UDOR Pump - Kappa 150
Starting at: CAD $211.57


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IOM MRF Budapest has published its regional strategy for Central and South-Eastern Europe for the years 2006-2007.
With this strategy document, the IOM Mission with Regional Functions for Central and South-Eastern Europe (MRF Budapest) aims to outline the Organization's programmatic approach in the Region for the current and the upcoming year, in response to latest migration trends and political and socio-economic developments in the countries under study. Therefore, IOM's strategy takes into consideration both the recent EU integration of the five Central European countries involved (Czech Republic, Hungary, Poland, Slovenia, and Slovakia) and the EU membership prospects of the Balkan countries and their need for progressive alignment with the EU migration acquis.
This regional strategy places special emphasis on promoting regional, sub-regional and cross-border cooperation between the countries in Central and South-Eastern Europe. It considers first the overall framework of IOM's cooperation objectives in the region and its regional policy agenda focusing on the current political, economic and social issues. Following the outline of IOM's regional strategy, this document takes a closer look at the individual approaches and policies for the 13 countries in the Central and South-Eastern European region.


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You don't have to go through APRA AMCOS to legally play music - you can deal directly with the songwriters or publishers who own the rights.
Usually it's easier to go through us because we can grant you a blanket licence to perform or play all the songs we control. But sometimes it can be easier to deal direct - for example:
- if you want to use a particular song as music on hold or on your website
- if you have booked a band for your place and it will play only its own material (no covers)
- if you organise an event where only a few works will be performed and the songwriters have a connection with the event (for example, a charity concert)
If you want to deal directly with one of our members, you can ask them to contact us to discuss our Licence Back or Opt Out schemes. Information for APRA members wanting to licence back or opt-out is available here. If members have further questions regarding our licence back or opt out schemes they can email our member services team or call us on 0800 69 2772.
If you deal directly with APRA members, you may qualify for a reduction in your blanket licence fees. Contact your Licensing Representative to discuss this.
Obtaining an Opt Out or Licence Back is simple, but members applying for them must make sure that all parties with an interest in the song (any other writers or publishers) agree to the arrangement.


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Open our Cool Free APP!
Enjoy APP-Exclusive Deals.
Main Features
Product Name: Tablet PC Universal Wire Support
Color: black white
Small bracket: 5 inch, 7 inch, 8 inch tablet, corresponding size mobile phone can be universal, ipad mini
Large bracket: 9-inch, 9.7-inch, 10-inch tablet PC, Apple IPAD2 3 4 air series
Size: Small 9 * 13cm Large 14 * 18cm
[Materials] Strong and tough metal materials
1. Place the IPAD horizontally and vertically and adjust it at any angle from 0 to 180 degrees;
2. Small and light, convenient and portable, easily put into a computer bag (portable bag) after folding;
3. It can be used as a photo frame and digital photo frame stand when not in use.
4. The product is simple and pleasant, catering to the standards of modern hipsters at home and abroad, good quality and low price, simple and stylish
5. This product is made of strong and tough special metal materials, and its load-bearing capacity is several times that of ordinary metal materials. Its robustness and durability are beyond imagination. You can safely place your beloved Apple iPad on this bracket.
6. This bracket / bracket is also used in other brands of tablet computers, it is a veritable universal tablet computer, dedicated for Apple iPad, universal bracket, bracket
Packing list:
1 * Folding tablet stand


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Making Home Affordable, or "the Obama mortgage," as it sometimes called, is a key program in President Barack Obama's effort to help homeowners avoid foreclosure. There are two programs offered under this program: The Making Home Affordable Refinancing Program, which helps homeowners refinance into fixed-rate loans, and the Home Affordable Modification Program (HAMP), which encourages lenders to modify mortgages so homeowners will have lower monthly payments based on their incomes. When a loan refinance or modification is not feasible, a short sale (by which the home is sold for less than the amount owed) may be encouraged.
Lenders are not required to participate in either program, but they are offered financial incentives for doing so. In this article, we'll answer some common questions regarding the programs and explain how they work.
What Is the Making Home Affordable Refinancing Program?
Although mortgage interest rates have continued to stay low by historical standards, there are many homeowners who can't refinance because the value of their home has declined. Many loan programs today will not allow a homeowner to refinance unless the new loan amount is for 80 to 90% of the home's value.
That's where the Making Home Affordable refinancing program comes in. It allows homeowners to refinance to 15-year or 30-year fixed-rate loans, as long as the new loan amount does not exceed 125% of the home's value.
You must meet all of the following qualifications in order to be considered for this program.
- The home you will refinance is your primary residence. Loans on investment properties or second homes are not eligible unless you live in one unit of a two-to-four unit property.
- Your mortgage is owned or guaranteed by Fannie Mae or Freddie Mac. Not sure? Contact your loan servicer (the company to which you make your payments).
- You haven't been more than 30 days late on your mortgage in the past year. Only those who have been current for the past 12 months are eligible.
- Your current mortgage loan does not exceed significantly more than what your home is worth. If the balance on your mortgage is larger than 125% of your home's value, you will not be eligible. (To calculate this amount, simply take your home's current value and multiply it by 1.25. If your loan amount is larger than that, you will not be eligible.) A second mortgage or home equity loan or line of credit cannot be refinanced under this program. But you may still be able to refinance the first mortgage.
- You can afford the new loan. You must document that you have enough income to handle the new mortgage.
What Are Home Affordable Modifications?
You may not be able to refinance your home if you owe much more than your home is worth, you have a lot of debt, or you are behind on your payments. In those cases, you may want to find out whether you are eligible for loan modification.
How Does Making Home Affordable Work?
If you qualify for a Home Affordable mortgage modification (we'll outline qualification details in a moment), your interest rate will be reduced. A lower interest rate means a lower monthly payment, and the goal is to lower your monthly payment to 31% of your gross (before taxes) monthly income. Your rate will be fixed for five years, provided you can make your first three monthly payments on time. After five years, your rate starts to rise, but no more than one percentage point each year, until it tops out at the interest rate cap described in your modification agreement.
There is a cap on the highest rate you can pay. The interest rate cap will be the market rate for mortgages as published by Freddie Mac when your modification is finalized. That ensures your rate will never be higher than the going mortgage rate at the time of your modification.
If lowering your interest rate does not provide enough relief, your lender may offer you a loan with a different term, which will lower your monthly payment even more. If that still is not enough, your lender may agree to defer — or even forgive — part of your principal balance or interest. Deferring some of your balance can be risky, though. You could find yourself with a "balloon" payment due in the future if you sell or refinance your home.
How Do I Qualify for Home Affordable Modification?
You'll have to meet the following qualifications in order to be considered for a Home Affordable Modification.
- The home you will refinance is your primary residence. Loans on investment properties or second homes are not eligible unless you live in one unit of a two-to-four unit property.
- You owe $729,750 or less for a one-to-four unit property. (Higher limits apply to two-to-four unit properties.)
- You received your loan before January 1, 2009.
You can be considered for this program whether you are current on payments or not.
How Can I Apply for the Refinancing or Modification Programs?
To apply for either the refinancing or modification program, you should contact your current mortgage lender or loan "servicer" — the company to which you currently make your payments. You'll want to be prepared to give your lender information about your income and your debts. Here's what you'll need for each category.
Income: You'll need your most recent paystub and details about other income you receive. Also have your most recent tax return handy.
Debt: You'll need the most recent statement for any second mortgage or home equity loan you have, as well as your current balance and monthly payments for other debt such as student loans, credit cards, a car loan, and so on. (You can see how your debts are affecting your credit by viewing two of your free credit scores on Credit.com. Checking your scores will not harm them in any way.)
What Other Options Do I Have?
Can't refinance or modify your loan? You may still be able to avoid foreclosure. The servicer of your loan may receive financial incentives from the government by allowing a "short sale" (by which your home is sold for less than what you owe, with the lender forgiving the difference) or a "deed in lieu of foreclosure" (also commonly known as "giving the keys to the house back to the lender"). And you, the homeowner, may be eligible for as much as $1,500 in relocation expenses in these circumstances.
Again, lenders receive financial incentives for participating, and those have been increased in an effort to get them on board. The government says that lenders representing 75% of mortgages are on board with the program. A list of participating lenders can be found at www.FinancialStability.gov. If yours is not listed, it's still important to talk with your lender to find out if they are working with borrowers under this program.
Remember, the information provided above is for reference only. Be sure to speak with a loan modification expert before pursuing any options.
This article has been updated. It was originally published August 1, 2010.