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Obama mortgage plan may help keep Seattleites afloat
Borrowers less likely to fall behind
The Obama administration's new mortgage plan should help many troubled homeowners in the Seattle area, although it could do more, according to local experts.
"I see a lot to be gained from it," said Glenn Crellin, director of the Washington Center for Real Estate Research at Washington State University.
Because Seattle's delinquency and foreclosure rates have remained far lower than those in many hard-hit areas, the area should benefit from new incentives for lenders and mortgage servicers to work with borrowers who have not yet fallen behind on their payments, Crellin said. "That really gives us a leg up in terms of stabilizing the market more quickly."
After initially announcing its program last month, the administration released guidelines for the "Making Home Affordable" plan Wednesday. Lenders can now start offering modifications under the plan, which aims to help 7 million to 9 million homeowners and set an industry standard for mortgage modifications.
The plan includes a program that, through 2010, will allow refinances at current low rates for 4 million to 5 million homeowners who have solid payment histories on mortgages owned by Fannie Mae or Freddie Mac but have not been able to refinance because they owe 80 percent to 105 percent of the value of their homes. Fannie and Freddie own about 60 percent of American mortgages, although they have a much smaller share of troubled loans.
In Washington, 126,000 loans -- 9.8 percent of all mortgages -- were for more than the home was worth as of Dec. 31, 2008, according to First American CoreLogic. Adding in mortgages within 5 percent of negative equity brought the total to 174,000 loans, or 13.6 percent of the total. The nationwide total was 19.8 percent for mortgages in negative equity and 25 percent in or nearly so.
Making Home Affordable also has a modification program that the administration says will help 3 million to 4 million at-risk homeowners avoid foreclosure by reducing monthly mortgage payments.
People interested in either program should contact their lender or loan servicer.
Seattle mortgage originator Rhonda Porter said several of her past clients have called to ask about the new plan.
"People are pretty much accepting that they may be upside down (meaning they owe more than their homes are worth), and they're wanting to take advantage of these rates," she said.
Donna Dziak, mortgage and tenant counseling program manager for the Seattle nonprofit Solid Ground, said the new program was "way better" than Hope for Homeowners -- a Bush administration predecessor that garnered little interest from lenders and servicers.
"It's certainly a lot more flexible," she said. "The upside is the incentives for the servicers to participate."
While lender and servicer participation is still not mandatory, financial institutions that accept bailout money from the Treasury Department must participate, and participants must modify all loans that meet federal eligibility requirements.
The government might want to require participants to hire more staff, Dziak suggested, noting that lenders have been taking 90 to 110 days to process modifications.
Joe Brancucci, executive vice president at BECU, said some people who now owe more than their houses are worth would rather walk away than work to keep their homes.
"For those people who really want their house, this is a great plan," he said.
BECU will use the program to its fullest extent for its 600,000 members, 83 percent of whom own a house and 8 percent of whom have mortgages through the Washington credit union, Brancucci said.
Erik Hand, president of Response Mortgage Services, which is real estate company John L. Scott's mortgage branch, called the new program "a great step for housing and for the economy as a whole."
Hand said another move that would particularly benefit the pricey Seattle area would be if the Federal Reserve would start buying mortgage securities for "jumbo" loans above Fannie and Freddie's limits.
Ron Sparks, managing vice president of Coldwell Banker Bain real estate, said he would like to see the government bring down interest rates to something like 4 percent as an inducement for one year. Rates averaged 5.24 percent for a 30-year, fixed-rate loan Wednesday, according to Bankrate.com.
Dziak said she's seeing more people who would still not be able to afford their homes even if their interest rate was reduced to zero. Porter noted that reducing payments would do little to help people who lose their jobs.
Government officials acknowledged Wednesday that the plan was not a cure-all.
"This is not going to save every person's home," White House press secretary Robert Gibbs said. "The plan is not intended to ... augment somebody's loan for a house that they couldn't afford under any economic situation, good or bad."
Brancucci said job losses were his main concern for the Seattle area, although the area's prospects remained strong long-term.
"We still have a lot of diverse industries and hopefully we will be quicker to recover because we have something to recover to," he said, referring to the area's strong economic base compared with more troubled areas, such as Detroit.


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Tests and Examinations For Your Newborn!
- 9 Months ago
- 4.0
Within hours after your baby is born, he will have to undergo various examinations to check whether he is doing well or not. Knowing what tests your doctor will perform on your baby will put you at ease. And as a new mother, you can be alert with what questions to ask. Read through to understand what tests your baby has to go through.
• Head: The common feature of a baby's head is it's squashed or molded appearance. It so happens because of it's journey through the birth canal.
• Eyes & Ears: The doctor examines the eyes of the baby for any obvious problems. As a routine examination, the baby's eyes are checked for red reflex through light from an ophthalmoscope. It takes a few weeks for the vision to be focused. Your baby can focus only up to 30 centimeters soon after birth. Most hospitals also offer hearing tests for babies.
• Mouth: The mouth is examined by putting a finger into the baby's mouth to check if the roof of the mouth (palate) is complete. A gap in the palate called cleft palate will make feeding difficult and will need a surgery.
• Heart: The baby's heart will be checked to rule out any heart murmurs or sounds. This is because, when the baby is in the womb, both the sides of the heart beat together. And when he takes his first birth, both sides function separately. The baby's heart beat is generally faster soon after birth, but settles down with time.
• Lungs: Baby's breathing pattern is observed. The examiner listens for clear air entry into both the lungs.
• Genitals: As the baby is exposed to maternal hormones, the genitals may look swollen at the time of birth. At times, the girl babies might have slight bloody white vaginal discharge, but will subside within the first few weeks.
• Skin: The doctor may examine for birth marks. He may also check for red and purple V-shaped marks on the back, neck and buttocks of the baby. These are common in new born babies and they usually disappear. Some babies have a yellowish tinge on their skin, which might indicate jaundice.
• Hand & Feet: Doctors will examine baby's hands and feet for clubbing. He will also examine the resting position of the feet and ankles to check for talipes or club foot. This is usually detected antenatally during the ultrasound.
• Spine and Hips: A baby's spine is assessed for straightness. It is common for babies to have a dimple at the end of the spine called sacral dimple. It is a matter of concern only when the dimple is too deep.
Baby's hips are checked for the stability of hip joints. The examiner checks for hip joint movements by opening the legs wide, bending and unbending them. If he finds any instability, he will suggest further investigation.
• Reflexes: Doctors examine for reflexes like sucking, rooting, grasping and crying.
Most newborns get through all the examinations with flying colors. Even if there are any minor concerns, it gets right on its own as they grow up. If the doctor feels that there are any major concerns, then he might ask you to take the baby for further investigations.


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Adjusting to Braces
If you are the proud owner of a brand new set of braces, CONGRATULATIONS! You have just taken the first step in obtaining a beautiful, functional, life-lasting new smile. It may take you a few days to adjust to your new life with braces so we want to help prepare you. In this blog post we will discuss what to expect after braces are placed, foods you should avoid to help prevent emergencies, and how to keep your teeth and gums healthy during treatment.
What to Expect After Getting Braces
Many patients experience the following conditions after getting braces:
Sensitivity when chewing: When you get braces the pressures created by the bracket/wire interface will cause your teeth to begin moving. This can sometimes result in tenderness when your teeth experience pressure. This sensitivity should only last for a few days after each appointment.
Tender lips and cheeks: Your cheeks and lips aren't used to wires and brackets touching them. Your mouth will adjust but in the beginning certain areas may become sore or irritated. You can place sugarless gum on top of the brackets/wires that are causing irritation to protect your tissues until they adapt. You can also swish warm salt water to promote healing of irritated tissues.
Slight tooth mobility: In order for teeth to move into their new position their supporting structures must remodel. This remodeling process results in increased tooth mobility and is completely normal, so please don't be alarmed if this occurs. Once tooth movement stops this mobility will decrease and eventually return to normal.
Preventing Emergencies: Foods to Avoid with Braces
Many foods can damage your brackets and wires so it's important to restrict these foods during your orthodontic treatment. When brackets and wires are damaged this often results in prolonged treatment time and added expense to replace broken/missing parts. Our No No Food List is available on our website for 24/7 access.
Oral Hygiene: How to Keep Your Teeth and Gums Healthy
The presence of braces makes it more difficult and time-consuming to properly clean your teeth. It's important to maintain proper oral hygiene throughout treatment to prevent the formation of cavities, "permanent white scars," and gum disease. Your orthodontic assistant will explain how to clean properly around braces when you begin treatment, but there are also instructions on our website. Dr. Durbin strongly recommends that you purchase a Waterpik to help aid cleaning around brackets, wires, and fixed retainers.
Affordable Braces Across Kentucky
If you are interested in improving your smile and self-confidence, Dr. Durbin would love to speak to you! We specialize in providing affordable orthodontic treatment for children and adults. We offer traditional metal braces, clear ceramic braces, Invisalign, and Invisalign Teen. We accept virtually all insurance plans and offer three flexible payment plans to help make orthodontic treatment affordable. At Kentucky Orthodontics & Invisalign, creating a smile that will last a lifetime is our number one priority. Please complete the form below to schedule your complimentary consultation!


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Blog Incubator Project: Batch 1
Welcome to the first batch of the Blog Incubator Project. The response was below my expectations, but I guess that is because most of our readers already have a blog. Perhaps after we get the ball rolling and people understand better the whole process we will be able to get more participants.
Below you will find the first eight ideas for a new blog. I have not included personal details or the website of the participants, so that the voting remains focused on the quality of the ideas and no on other factors. (That being said you are free to post on your blog about your favorite idea or to encourage your friends to vote on it.)
The eight submissions summed $80. I had promised to put $100 out of my pocket for the first round, and there was a donation of $20 as well so the prize for the best idea will be $200.
The voting session will be open 48 hours, and I will present the results and declare the winner on Wednesday already. Good luck to everyone!
Idea One
Name: Review Away
Topics: Review Away would be (as the name implies) a blog that reviews and gives away items. Be in gadgets, books, DVDs, vacation packages, even cars the sky is the limit when it comes to what can be given away on the blog. Site visitors would have varying entry requirements for entry into a giveaway, anything from leaving a comment, posting about it on their own blogs.
Why would it valuable?: Review Away would be valuable and interesting because everyone likes getting a chance at winning free stuff. Many persons may see an attractive item like a Sony PSP for example and would be interested to visit and learn about the item in the review, enter the giveaway and stand a chance of winning one of few that might be up for grabs on the site.
Background of the author: My name is Kirk, I am a 22 year old Jamaican who while searching for additional ways to supplement his day job income so that he can afford to enroll into college learnt about and got interested in earning via the Internet through blogging and other ventures.
Idea Two
Name: The Inept Blogger
Topics: It will be a real-life, from start to finish view/tutorial/for dummies guide to getting a blog set up, launched, promoted and paying the bills asap.
Why would it be valuable?: Explanation of why it would be an interesting and valuable blog (max 100 words) – with so many people looking to start the newest, most lucrative blog, the possibility of watching an amateur sink or swim appeals to both the voyeur and the student. To some it would be a lesson and to others comedic relief. But most of all, people just like watching people make life-altering changes and getting to be a part of it.
Background of the author: I'm a single SAHM who blogs on three sites right now, for less than $20 a month. I run a side business from home, admin-based, that I have to give less attention to than blogging, yet it pays me exponentially more. My current goals include becoming a full-time writer/blogger within a couple of years, redecorating my apartment in a dora, the explorer theme and learning how to make diabetic applecrisp in my crock pot. High hopes, I tell you.
Idea Three
Name: How 2 Get Rich & Famous Selling Software On-Line, Or Not
Topics: Humorous and whimsical entries of the daily trials and tribulations of trying to establish a B2C security software that will forever change how folks data can be protected while on-line.
Why would it be valuable?:It will be an ongoing lesson on what works and what does not work as 2 older dudes try to get rich and famous. Funny podcasts and videos will be part of the blog. For instance, DO NOT use the on-line GoDaddy order form to register your domain names, it will only make you slobber knockingly ANGRY.
Background of the author: Former highly successful $$$$$ tele-com and gaming industry salesman/marketeer (it's supposed to be "marketeer" like "buccaneer"… Uses Outrageous marketing and Web 2.0 tactics to get attention and then make the SALE.
Idea Four
Name: This Website Will Change Your Life
Topics: 52 Goals/Things To Do for each week starting January 1st that will make you a better person
Why would it be valuable?: Each week I will post a new goal (perhaps, I will post the goal a week ahead so people can prepare) that will help better a person's life either physically, emotionally, etc. For example, 1 week's goal could be to eat the recommended serving of fruits and veggies for 1 week. Others could be to contact someone that you haven't talked to in a year+, volunteer or do a random act of kindness, wake up a half hour earlier than normal, etc. Each goal would last a week and I would post about my own progress and people can submit their own experiences/pics and I will post it up as well.
Background of the author: My name is Kim and I am a software engineer living in Los Angeles. I love writing and the internet. My interests are always changing but there is one constant in my life: SCRABBLE!!
Idea Five
Name: Not defined yet
Topics: The blog will promote heritage tourism, historic preservation, lanning/zoning, and streetscaping etc. as these topics relate to economic development and community engagement.
Why would it be valuable?:This site would not be directed to tourists. It would serve to educate people like myself who – whether professionally or as volunteers – are trying to promote economic development without sacrificing community. There is a wealth of information on the web but it is difficult to tie it all together. My blog will help people make the most effective use of the services and resources available to volunteers, municipalities and organizations across the country.
Background of the author: I have a positive reputation in local circles with regard to these topics. I'm an active community volunteer, published writer (local magazine). I've been asked to lead a new blog for the Chamber's entrepreneur initiative (that blog lacks wide appeal — not suited for your contest.) I get tremendous positive response to my e-newsletters and the blog on my community website.
Idea Six
Name: Heartland Market
Topics: Small town America rejuvenation. Ideas to spark tourism, small
business and general marketing of your small town. How to facilitate economic growth.
Why would it be valuable?: Each town/community is unique and its people need to be involved to make changes. This blog will teach people how to work together to make these changes. A small town isn't much different than a department in a company. Many of the same tools can be used to create "profit" for your community.
Background of the author: I was a long time South Minneapolis resident that hrough company acquisitions and mergers, ended up on a hobby farm in Belview MN, population 412. My wife for almost 20 years, and I have 2 biological children and 6 special needs children, adopted through foster care. My last career was as a successful manager for a large publisher in rural MN. I had been in the graphics industry for 20 years.
Idea Seven
Name: Tips4Expats
Topics: The blog will cover all kind of topcs that Expats-to-be have to deal with.
Why would it be valuable?: What I want to do is give expats-to-be their own blog. With this blog they can tell all people that are interested about their problems/issues they had to deal with during their move abroad. The benefit for the expat is that they can start 'promoting' their business. As the majority of the expats start an own business when they move over.
Background of the author: I emigrated to South Africa about 4 years ago and moved back to Europe a year ago, so I have been 'emigrating' 2 times in a relative short period of time. I have learned the past few years is that the majority of questions that people have are the same (where do I get my permit, how do I move my dog, where do I arrange my insurances, etc).
Idea Eight
Name: MoneyHacker
Topics: Ways to save/make money.
Why would it be valuable?: I would post a tip a day (5 days a week) on how to make or save money. I notice a lot of personal finance websites are long and drawn out with a lot of frivolous details. I will post short, easy ways to save money OR make money. (ie. save money by switching to CFLs, signing up for credit cards that have promotions like free air tickets or money, how to make your own cleaning products instead of buying them, etc). I would be a "Lifehacker" of sorts for money/personal finance. 1 easy, short tip a day.
Background of the author: My name is Kim and I am a software engineer living in Los Angeles. I love writing and the internet. My interests are always changing but there is one constant in my life: SCRABBLE!!
Vote Away!
Poll is closed.
Browse all articles on the Blog Projects category
27 Responses to "Blog Incubator Project: Batch 1"
Mr. List
One of the keys to creating a successful blog these days is writing about where there aren't already thousands of blogs doing it. It's difficult to do these days but niches are where it's at.
A few months ago, my brother and launched a new blog, "Four Reasons Why" that offers up four or five reasons for a variety of topics. It's quirky, irreverent and, sometimes, informative but, most important, it's unique because as far as I can tell, no one else is something like it.
I like idea number 4 as it has a action plan for every week. So readers can participate with the blogger. This can easily build a loyal community for the blog.
Also having a schedule posting for the whole year can build anticipation for the blog which again build a loyal followings.
Good Luck!
I at first thought number 1 was the best, but then I realized that when I have done research on web contests and online giveaways that I find lots of this type of site/blog. One more is just that another one. I chose instead number 6 due to the ability to use a blog that could help promote Real Life involvement in social organization. I think once enough people do this they will find new ways to promote all of their online profiles/sites/blogs.
hey, i'm idea #4 and #8. I actually like idea #1 the best (as does everybody else) but I wonder how he will get things to "give away". Especially in the beginning when he is first building up his blog. In concept, it's definitely the most appealing though!
And as somebody else commented, I did get the idea for #4 from the book but the book is totally different in that the things they list in the book are just plain silly stuff…not "self help" type things. I should probably come up with a different name, but the point was to suggest/help peopleform different habits by taking them in small bites. Maybe some will stick, maybe not. Either way, if you do all 52 ideas, you'll have a more productive year! (I hope hehe).
Yeah that is fine Eric :).
Idea 1 is intriguing but I'm not sure how it would work. How will Kirk keep a steady supply of items flowing and how will it be set up to prevent the same clique of readers from winning items?
Ideas 5 and 6 definitely seem related, like two branches of the same tree They could potentially appeal to different constituencies with the same ultimate goal of promoting tourism/economic development and conservation of hidden gems. If the backers of those two ideas don't win, they should consider collaborating in some way.
Idea 7, tips for expats, is not viable as presented. Too broad. Also, tons of expat sites/blogs are already out there. The most useful ex-pat sites are country specific or nationality-specific. For example, a British person wanting to set up a business in Spain will have less bureaucratic issues to deal with than an American wishing to do the same thing due to the EU residency/work permits requirements, etc. I think it will be very difficult to provide useful advice for expats unless it is country specific or nationality specific. Also, the typical expat wants advice from the frontlines, from people with firsthand experience, people who can vouch for places and services, etc. That means having a community forum where people can post questions, exchange information, debate topics, etc. A standard blog won't be enough.
Perhaps another way to go would be to focus on a particular demographic (expat families, single professional expats, businessman expats, American expats, European expats, etc.), although, I fear, that's been done to death as well. Don't give up on the idea if you feel strongly about it. Just find a way to focus and define it more clearly.
Good luck to all the entrants!
I'm following in Eric's footsteps and throwing myself in the ring, too.
I'm the idea #2 girl and though I understand where everyone's coming from in respect to other "how to make money" blogs existing, I've yet to hear of a blog that primarily focuses on what steps, in real time, the author took, how it affected their livelihood, family, etc. You read a lot of after the fact stories, recommendations, etc., sure, but do any of the other blogs that already have been done give the opportunity to watch it in action?
It's one thing to start from scratch, making mistakes and sharing success, but another to preach what works after the fact.
Thats' the goal with the Inept Blogger, to let the world watch me flounder.
Nothing in the rules about promoting your idea on here… After all its all about marketing.
Hi I'm Eric I am the author of idea # 6, Heartland Market. Not only will this blog benefit myself, it will help strengthen our (US and possibly other countries) rural economies. Our small towns are dying and we don't have to just stand by and watch.
I have seen a few people in my community rise up to try and tame this monster but few have expertise online, in corporate business or marketing. That is where Heartland Market comes to the rescue.
Heartland Market is about growing communities not one guy trying to make all the money for himself. Sure I will monetize Heartland Market, but I hope to monetize rural America too.
I really like idea 8 IF it sticks to the description.
There are too many wannabe-Lifehacker sites out there that just dont provide that immediate value to the reader (Download Squad comes to mind) — if MoneyHacker can provide me with that instant value on first visit, I'd definitely subscribe.
Tough choice between 1 & 8. But I went with 1. Good luck to all of the bloggers though… anyone of them would be something worth visiting often!
Shark Girl
I like idea #8, assuming the author really is making money from the ideas, and not just talking about making it.
I'm learning about investing and coming up with creative ideas to earn money, so I'm very interested in what the author has to say.
I also like idea #1 for obvious reasons. Who wouldn't want to try to win something? *grin*
#2 – Already being done – lot's of blogs exist about this topic.
#3 – And compete against Amazon, Best Buy, etc. etc.? How many software sellers do you know that are famous? Bill Gates? Limited scope I guess, but it's very stiff competition and the software market is over saturated in my opinion.
#4 – Another to do list – I already have way to many of them! LOL
#5 – Sounds like an interesting idea, but I'd like to know more about it.
#6 – After re-reading, I probably would have voted for this one (I voted for #8). The reason I would vote for this one is because I registered a domain for my county, but don't know how to promote such a small (and very poor) community. I would like show the good things about my community and help them get past the image of being a bad place to live.
But in all fairness to #6 and 8, I can't choose. I need both of these ideas because they both apply to what I'm working on now (and need help with)
#7 – I've only lived in one country so I can't give an opinion on this idea.
There are a ton of blogs that give things away, it is actually kind of annoying. There are many blogs that deal with basic blogging too, a very saturated market. Self help always gets people, I voted 4
I vote for #1. Recurring giveaways may not be an incredibly original idea, but it's a very effective way to generate buzz and traffic. I know of several blogs already doing this successfully and I think it's a great formula.
Michael @herogasm.de
Number one is a really great idea. I thought about creating something similar by myself, but I stopped working on this project because of an ebook I'm writing.
Good luck Kirk!
I like #s 5 & 6. They are original and have great potential. If they don't win perhaps they should get together and do a co-blog. Both ideas are similar and would work well together.
There's already enough metablogs in English so no for number two. Idea three sounds fun and original but Idea eight is the one that I want to see the most.
I like "Heartland Market", all the others I've already seen.
I vote for number 8. I think it is an excellent idea, though there are several good ones in the list.
I like number 4 the best but there are definitely some copywrite issues with the book by the same name/same concept – This Book Will Change Your Life.
Sort that out and I'd visit the site… I think it could be very popular within the HUGE personal development community.
Yea i too like the second idea
its different from the ideas posted.
I find the second idea quite interesting…
rahgav pandit
idea one is quite great a review of electronics gadets everyone is seraching for and when you give that product for free is the best ever a visitor could get
I think four of them could be popular blogs if handed properly, we'll see!
Adam McKerlie
I think #2 will be the most successful and profitable.
Comments are closed.


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How secure is your sales process?
Not a tool
A platform you can trust
ISO 27001 is a globally recognized standard for the establishment and certification of an information security management system (ISMS). Our entire information security program is built on the ISO 27001 framework and we complete re-certification and surveillance audits annually.
Components of the Salesloft platform are soc 2 type 2 compliant. SalesLoft undergoes a SOC 2 Type 2 examination of our security controls against the AICPA defined standards on an annual basis with a third party audit firm to ensure the security of our platform and its supporting infrastructure.
SalesLoft is committed to ensuring ongoing compliance with the General Data Protection Regulation (GDPR). The GDPR extends the reach of the European Union's data protection laws and establishes many new requirements for organizations that fall under its scope.
The California Consumer Privacy Act (CCPA) was signed into law in June 2018 and goes into effect on January 1, 2020. SalesLoft is committed to ensuring compliance with the California Consumer Privacy Act (CCPA). The CCPA is a state law that provides consumer privacy rights and protections for residents of the state of California.
SalesLoft's products are hosted at Amazon and Google data centers, running on Amazon Web Service (AWS) and Google Cloud Platform (GCP) technology. These data centers provide physical security 24/7, state of the art fire suppression, redundant utilities and biometric devices to ensure that our customers' data is safe and secure.
Your data is protected between you and our systems. We take multiple steps to prevent eavesdropping between you and our systems, as well as within our infrastructure. All network traffic runs over SSL/HTTPS, the most common and trusted communications protocol on the Internet.
In order to help you accelerate sales, SalesLoft requires access to certain pieces of information. We'd like to explain how we store, process, and secure that information and more.
If we see something, we'll react quickly and remedy the issue. We're not resting on our laurels. We're always looking for potential system interruptions. If we do find something out of place, we'll address the issue in a manner that it won't be an issue in the future.
We're relentlessly updating our systems to protect your data. Our virtual systems are replaced on a regular basis with new, patched systems. System configuration and consistency are maintained using a combination of configuration management, up-to-date images and continuous deployment.
Only people who need access, get access. Production system access is limited to key members of the SalesLoft engineering team and passwords are expressly forbidden.
Don't just take our word that our systems are secure. We don't. Even though we've designed secure systems and procedures, we regularly perform security tests to identify and remediate potential vulnerabilities.
We're watching to find misuse or occasional problems. Logging is a critical component to SalesLoft infrastructure. Logging is used extensively for application troubleshooting and investigating issues. Logs are streamed in realtime and over secure channels to a centralized logging service.
We prevent single points of failure. Even if there is an interruption to one system, the rest of our services stay up and secure. We physically separate the database instances from application servers and heartily believe in the mantra of single function servers.
We backup and test our systems, just in case. Production data is mirrored to remote systems and automatically backed up daily to an offsite location. Every change to a database is stored in the 'writeaheadlog' and immediately shipped offsite.
We protect our own systems to protect your data. SalesLoft offices are protected behind network firewalls from well-known security vendors and secured by keycard access. Our employee workstations and laptops are imaged and managed using JAMF.
If we have to part ways, we'll make sure your data isn't at risk. To cancel and delete your account, please contact your account manager or our Customer Success team. Canceling your account will disable all access to SalesLoft Platform and affects all data associated with your account.


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School History
St. Mochta's National School has a history spanning over 150 years, the original structure of the school being built in 1853 and officially opened in January 1854.
The initial school was a very tall edifice which was extremely distinctive and unusual. This building still stands on the banks of the Royal Canal, although it is now abandoned. It was replaced by a three classroom building fronting the Clonsilla Road in 1963, known as the 'White School', which in turn was replaced by the much larger present structure in 1986.
The school plaque on the front wall of the school records the dates of the three schools: 1854 – 1963 – 1986.
The school crest shows a Willow Tree. This was the first tree planted after the school was opened and is situated behind the centre of the school yard ( 1986). The school motto – "Ag Críost an Síol", is the first line of a poem: 'To Christ belongs the seed' or 'All life comes from God'.
St. Mochta
He was the last survivor of St. Patrick's disciples and the first Abbot of Louth. He founded a church at Coolmine called "The White Church of St. Machutus" and this served as the parish church for the surrounding area, although it had disappeared entirely by 1490.


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Marantec America Corporation has a successful history in selling one of the strongest and quietest garage door opener systems. Established in Germany over 30 years ago, Marantec is a world leader with a multi-national presence in over 30 countries on four continents. Designed in Germany and assembled in the USA, Marantec America openers produce the quality and reliability you deserve.
Guardian has been an OEM/ODM manufacturer for garage door components and operators for over 30 years. They are the most vertically integrated components supplier in the door industry, from manufacturing die-casts to stamping and plastic to garage door operators. Guardian is synonymous to quality and we enjoy the privilege of supplying our products to market leading OEMs and dealers in over 30 countries spanning across 6 continents. Guardian products are engineered to deliver the quality you expect and the dependability that you deserve.
Skylink Group's goal is to cater to the needs and concerns of the homeowner by providing a safe and comfortable environment for their family. Established in 1990, Skylink has multiple offices, located in Brampton, Ontario, Canada, in Ontario, California, USA, in Dongguan, Guaangdong, China and Hong Kong. Our Sales offices located in Canada,USA and Hong Kong globally cater the production from our fully automated manufacturing facility in China.
At Chamberlain, safety is a major part of the company's mission. It's Chamberlin's commitment to you and, quite simply, the way they produce products every day. Both their LiftMaster and AccessMaster products are designed to move the largest door in your home, safely, securely and by always putting safety first.
Genie is one of America's best known and trusted consumer brand names. Genie has an illustrious history that underscores its commitment to innovation. Millions of their products are still in use today. Dependability, high quality and nationwide service are just a few reasons to choose a Genie branded garage door opener.
Linear LLC is a pioneer in engineered radio frequency (RF) products and is a major supplier of wireless residential security systems, access control, intercoms, garage door operators, gate operators, short- and long-range radio remote controls, and medical/emergency reporting systems. In recent years the company, through acquisition, has expanded into a wide range of consumer electronics, including whole house audio/video distribution systems, central vacuum systems, music/communications systems, speaker systems and structured wiring systems.
SOMMER is one of the leading manufacturers of high-quality operators and wireless control systems in Europe. The company was established in 1980 in Kirchheim/ Teck, a place located in the South of Germany and has been flourishing since then. Since day one, SOMMER places great emphasis on outstanding quality and exceptional service and our main focus are our customers. The innovative and multiple patented products are developed and assembled in the Stuttgart area. In this leading technological area of Germany, other well known companies such as: Mercedes-Benz, Porsche and SAP find their origin here as well.
Access Master
At Chamberlain, safety is a major part of the company's mission. It's Chamberlin's commitment to you and, quite simply, the way they produce products every day. Both their LiftMaster and AccessMaster products are designed to move the largest door in your home, safely, securely and by always putting safety first.


text: I called up SA looking for an extra mag for my XD40 gun & for my 1911 also.? And I was told because of the new Law that our beloved Gov. Como put into Law here in NYS. that SA Lawyers told SA not to sell or ship any more mags to NYS even though the 1911 ones are for 7 rounds.? This new Law does not go into effect for the mags until April 14, 2014. So WTF is SA doing to us NYS Residents.?


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Designed for the golfer, the StrokeRhythm is an ultra-small metronome that fits in your ear like an earphone. By practicing your swing while listening to the beat directly in your ear, you can stabilize your rhythm and improve your swing. You can also choose from a wide range of tempo and beat settings to find a swing rhythm that's right for you. The jog switch allows smooth tempo adjustment, and a unique mechanism holds the unit securely in your ear.
The lineup also includes the SyncMetronome which can be used by multiple people to synchronize their tempo, the StrokeRhythm that's ideal for golf practice, and the SyncDancing that's ideal for practicing social dances. Choose the model that's best for you.
• Practice your instrument while listening to the rhythm directly in your ear • Practice your swing while listening to the rhythm directly in your ear • A wide range of tempo and beat settings to match the rhythm of your swing • Also ideal for jogging and walking • Comfortably and securely fits a variety of ear shapes • Use the jog switch to set the tempo intuitively • Extended operating time, and memory backup • Ear pad and carrying case included
The StrokeRhythm is a unique style of metronome that you wear directly in your ear. Since the speaker unit simply fits in your ear, it lets you practice your swing to the rhythm that only you can hear in your own ear, without affecting any other golfers. The StrokeRhythm is also extremely small and lightweight, allowing you to concentrate on your swing without being distracted by fact that you're wearing a metronome.
Improving your form is of course an important aspect of improving your golf swing, but it's also critically important to practice regularizing the tempo and rhythm of your swing. Practice with the StrokeRhythm to ensure that your swing always maintains a steady tempo and rhythm.
The tempo setting range is a generous 30--252 bpm. Typical recommendations are to try a swing tempo of about 70 for men and about 60 for women, but you can experiment with a variety of tempo settings to find the tempo that's right for you. The beat can also be specified in the range of 0--9, so you can choose the beat that's best for you to practice your swing.
In addition to its usefulness when practicing a musical instrument, the StrokeRhythm can also enhance your exercise. For example, people who walk for the purpose of exercise or weight loss are often advised to walk at least 20 minutes at a regular pace of at least 70 meters per minute; by using the StrokeRhythm you can keep your training pace constant, synchronized to the sound of the metronome. This is a great way to maintain a consistent speed for walking, jogging, race-walking, weight training, or any other exercise.
The StrokeRhythm utilizes two distinctive mechanisms to ensure a stable fit in any ear, large or small. The first is an Ear Fitter that extends from below the speaker. Its angle can be finely adjusted by rotating the speaker itself, allowing to fit the various shapes of ear hole. The second is an Ear Clip that opens or closes to fasten on the earlobe. The clip ensures a solid hold that will not be dislodged even by sudden shocks or vigorous movement when in use.
The StrokeRhythm features a jog switch on the side of the body, allowing you to easily change the settings without removing the unit from your ear. Using the jog switch you can select not just the tempo setting, but also the beat, rhythm, and volume. This provides a compact yet highly intuitive method of operation. The power button, mode select button, and an LCD display that shows the tempo and other information are located on the inside of the body.
In spite of its ultra-small sized body, the StrokeRhythm provides approximately 200 hours of continuous operation using a coin-type lithium battery. The memory backup function remembers the tempo and other settings even when the power is off. The battery can be easily replaced by opening and closing the cover located on the back of the body.
To enhance the fit, the StrokeRhythm includes a well-cushioned sponge ear pad (*). Also included is a carrying case that neatly stores the StrokeRhythm itself, the battery, and the ear pad. You can take this with you for convenient rhythm training anywhere you go.
* If this is lost or damaged, you can use general ear pads (earphone diameter 16 mm).
125, Jalan Imbi,55100 Kuala Lumpur+603 2142 firstname.lastname@example.com
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AllSky Camera
Thanks to the generosity of UTC Aerospace, the McCarthy Observatory has acquired an SBIG AllSky-340 camera capable of imaging virtually the entire sky as seen from the roof of the observatory! This allows us to better track real-time weather conditions (in conjunction with our weather station), track satellites that pass overhead, and even watch for meteors or other space phenomenon! See below for the latest image, a link to a time lapse video of the last 60 minutes, and a few noteworthy images!
Current Image from JJMO
Download the most recent time lapse video! (.avi in DIVX format)
Interesting Images
The first meteor captured by the AllSky camera!


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Minibus Hire in Wolverhampton
Searching for minibus hire or coach hire in Wolverhampton? Actua Transport have the perfect solution to your needs, whatever they may be!
Our drivers are expert at getting around, so if it's getting you to your hen or stag party or to a concert at the NEC, you can rely on us to get you there in good time, and worry free.
For corporate travel, we have a range of vehicle options from luxury minibus hire for corporate events to full size coach hire for staff transfers.
And we'll see you safely away on your holiday with our reliable 24 hour airport transfer service to and from Birmingham International or any other UK airport.
We have a big selection of minibuses, mini-coaches and full size coaches to hire in Wolverhampton; 6 to 56 seat modern, reliable and safe vehicles with experienced drivers who really do know how to take care of their customers.
If you're looking to hire a minibus or coach to take you out of Wolverhampton, perhaps to a sporting or corporate event, on a day trip, or to get your guests to your wedding venue, we can make sure you have exactly what you need.
Actua Transport offer the best deals for coach and minibus hire in Wolverhampton, with all you need to know on the website. So take a look around then give us a call to discuss your own requirements – and find the best value minibus and coach hire deals in Wolverhampton.


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Karen Radius
Growing up in Chicago, Karen Radius learned values from her working class parents, neither of whom attended high school. After passing the bar exam in Hawaii, Radius' first job was with Legal Aid, serving some of the poorest people in Hawaii. As a Family Court judge, Karen Radius learned that juvenile girls who haven't succeeded on regular probation needed a different type of juvenile justice system. So she created Girls Court. "Girls Court is all about…working on the relationships…within the family," Radius explains. "(it's) not just, 'Did you comply with the court's order and what the court told you to do' … but let's figure out your life and let's come up with a life's plan for you."
Long Story Short with Leslie Wilcox is a production of PBS Hawaii.
Visit the Long Story Short website at: http://pbshawaii.org/lss/


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Hockey is predominantly popular in the colder, northern climates of the world. However, the fastest game on earth knows no bounds. It's not just played by the kids in Toronto, Minneapolis, or Stockholm anymore–hockey players are coming from all over.
Some of this growth has been fostered by the NHL itself where we are now seeing an influx of new hockey hotbeds sprouting up in California, Arizona, and Florida – all southern markets that as little as a generation ago were hockey wastelands with no grassroots interest. And some of this growth is just occurring naturally; once you see the game played, you're in love.
Over 22 different countries have been represented in the NHL, from Austria (Andre Burakovsky) to Italy (Luca Sbisa) and there are currently Ice Hockey Federations in 73 different countries. 73 countries, and yet, the vast majority of everything we know about hockey is represented by a handful of these countries, the hockey powerhouses if you will.
And yet, as witnessed at the World Junior Championship, the big dogs are being pushed back a bit and the underdog nations are starting to take root in the hockey world (Canada doesn't have to be worried…yet). Switzerland, Denmark, Belarus, Germany, they are all starting to become conventional hockey nations–countries that come to mind when you think hockey. But it wasn't always this way. It took generations for the game to be grandfathered in and to reach a certain level of national acceptance and interest.
This week, the Hockey's Future Top 5 takes a look the most unconventional (we looked way beyond the obvious), blossoming hockey nations on the planet.
5. United Kingdom
Hockey is believed to be based off of a United Kingdom stick-and-ball game from the 1700's, so it makes sense that the sport has slowly started to re-emerge in the land where it all began. Hockey is still a minor sport in the country, but in the last five years the game has truly gained traction, with a lot of that growth having to do with infrastructure. The country now sports 84 indoor arenas and over 11,000 registered players (a 96% growth in those five years). While England is a long way away from ever being a formidable hockey nation, it does have the economic power, infrastructure, and blossoming cultural passion to really jump-start the initiative. And just seeing the pride of Guildford, England, Brendan Perlini, as a top prospect for the Arizona Coyotes is bound to inspire.
4. Kazakhstan
There are only 19 indoor rinks in the entire country, and less than 5,000 registered players, but the 'glorious nation' of Kazakhstan is slowly becoming a hockey nation worth watching. Despite poor playing conditions and alleged corruption (former NHL player Mike Danton wrote an interesting article about his playing days in Kazakhstan), the small country has been on a very obvious upswing in terms of the brand of hockey and players it has produced in recent years. The country played very well at the 2014 World Junior Championship (Under-20 Division B), and at times dominated the competition, and were incredibly close to moving up to the A league.
What is setting apart Kazakhstan from some of the other unconventional hockey markets of the world is its ability to produce above-average talent. Now, there's probably still not a future NHL player in the mix, but youngster Semyon Koshelev looks like a decent hockey player, and with KHL players like Roman Starkchenko, Vitali Kolesnik, and Paval Poluektov, there is the beginnings of a decent foundation of players coming from Borat's home country.
3. Australia
During the 2014 NHL Draft, Nathan Walker became the first Australian player to be selected by an NHL team. It was one of the greatest achievements by an Australian sportsman, and in doing so, Walker broke down a wall. He became a trailblazer, and an inspiration for other young Aussies to follow. Admittedly, Australia is a long way from ever being a relevant hockey nation – heck, it has the same number of ice rinks as Kazakhstan (the Melbourne Ice House is a class establishment, though) – and it's the lowest-ranked country in the IIHF World Rankings among the countries in this top-5 list. But, with so many ex-pats taking to the AIHL (Australian Ice Hockey League) and the league becoming increasingly more popular with fans and sponsors (it's regularly broadcast on Australian Fox TV) the sport is on the verge of blowing up in the land down under, all within a generation. Remember that this is the key with growth – it's all about grandfathering the game into the culture, and letting a new generation rise up and excel.
With a population of over 22 million and some of the world's best athletic programs (Australia quickly became a basketball powerhouse), more and more Aussie's should be NHL-bound. Don't be surprised if Australia starts to greatly improve their hockey program during the next decade.
2. South Korea
South Korea? Yes. South Korea. And there's one big reason why – the 2018 Winter Olympics in PyeongChang, South Korea. As a host nation, the South Koreans will by default ice men's and women's hockey teams for the first time in it's nation's history. And the South Koreans, despite some protest by the IIHF, are doing their best not to look bad. While the team will be largely comprised of ex-patriots (like Michael Swift, a 100-point player, and captain of the 2007-08 Niagara IceDogs) trying to fill out a non-laughable team, the real importance and real power of these games will be the lasting effect of the sport on the Asian country. Make no mistake, the IIHF's 23rd-ranked South Korean team (which actually sits ahead of Poland) is going to be destroyed in their round robin games, but just that exposure on that side of the world is going to be very good for the sport. And if it's anything like Nagano, we could see a huge Eastern surge in both popularity and registered players.
1. Japan
Pop quiz – is Japan in the top 10 in overall hockey players per country? The answer is a surprising yes. There are more registered players in Japan than there are in Slovakia, Denmark, or even Belarus. According to the IIHF, 19,260 Japanese players play in the 230 rinks around the country. Granted, the population is massive (over 123 million) and the level of play isn't as high but there is a surprising love for the game slowly bubbling in the depths of the country.
In just the last five years according to the same IIHF survey, hockey in Asian countries has had a gigantic popularity boom. Hong Kong, for example, increased its registered hockey players 796% (up to 1631 players). Compare that to Canada's 44% boom, and you start to realize that hockey is growing around the world.
From a quality perspective, the Japanese are still far behind most of the bigger nations in hockey. However, when you look at the World Rankings (21st among men, and 8th among women), this is a country that has slowly been climbing the charts – and it won't be long before they can start actually competing with some of the smaller hockey nations like Germany.
Perhaps what is more interesting is the recognition individual Japanese players and prospects have been getting recently. Ryo Hashimoto, a 22-year-old from Sapporo, Japan was recently invited to the Columbus Blue Jackets' development camp. Yushiroh Hirano, a 19-year-old forward, has actually been playing amazingly well in the Swedish junior leagues, amassing 19 points in 22 games. And perhaps the most famous Japanese prospect of all, the young phenom, Aito Iguchi – who is already getting Crosby-like hype (perhaps a little unwarranted) because of his YouTube highlight reels is capturing the imagination of scouts, and he's not even a teenager (he's 12!).
Honorable Mentions:
Italy, Singapore, Hungary, Holland, Croatia
Will hockey ever be a true global sport? Which countries do you think can compete with the hockey powerhouses of the world 10, 20, 30 years from now? Are we missing anyone in our top 5? Share your thoughts and opinions in the comments below.
Follow Craig Fischer on Twitter via @fgiarc


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When it came to valuing homes in a depressed market, many political candidates went with what their county property appraisers said the houses are worth.
Others, like House 45 candidate Kathryn Starkey, were more optimistic.
Starkey put the value of her home in the upscale Aristida development at $750,000 - about 47 percent higher than the $509,123 market value assigned by Pasco Property Appraiser Mike Wells last year.
The instructions on the candidates' financial disclosure forms say real estate "may be valued at its market value for tax purposes, unless a more accurate appraisal of its fair market value is available."
Starkey said Wells' number was too low and that her husband, Trey, a developer familiar with the real estate market, estimated the higher figure.
"He estimated it based on what it's worth," she said. "I didn't overvalue my house."
One of her opponents in the House race, Fabian Calvo took an entirely different tack: He did not even acknowledge the Clearwater house he owns with his wife.
He did, however, list his share of various real estate holdings, as well as the values of his stocks, bonds and precious metals.
Calvo said in an e-mail Tuesday that he was busy this week and did not have time to answer questions.
Calvo's Clearwater home is outside the House 45 district. According to Pinellas Property Appraiser, the market value is $248,608. The couple paid $425,000 for it in 2005.
Calvo has said he would move into the district if elected.
The instructions make clear that assets in the candidate's name, worth more than $1,000, should be listed.
Starkey and Calvo are two of the three Republicans running for the District 45 seat that represents parts of Pasco and Pinellas counties. The third candidate, Richard Corcoran, rents his home in Longleaf.
The Florida Commission on Ethics, which oversees the forms, does not audit them and only responds to complaints or requests for clarification, a spokeswoman said.
While Calvo's omission seems a little unusual, Starkey wasn't alone in going with her own value this year.
For instance, Ken Littlefield, a Republican candidate for Pasco County Commission, listed his Wesley Chapel home as having a $189,000 value, higher than the $125,514 market value assigned by the Pasco property appraiser's office.
He also valued his Tallahassee condo at $199,000 - significantly higher than the $166,000 he paid for it in 2007 and the $94,050 market value provided by the Leon County appraiser. He said he used those higher values because they were the asking prices.
Littlefield later said he made a mistake in doing so.
Rep. John Legg, a Port Richey Republican, noted that when he ran in 2004, gauging values was difficult because property appraisers' values were generally lower than what people would pay for the homes.
His consultants urged him then not to undervalue the home, lest someone accuse him of hiding assets.
This year, Legg, who won reelection by not drawing a challenger, listed his house at $130,000, higher than the value of $75,985 that was listed by the property appraiser's office for last year's tax bills.
Legg said he had an appraisal done three years ago that showed a value of $165,000 on the home. He said he considered that market values near his home had depreciated about 15 percent and came up with the $130,000 figure.
"I look at the property appraiser's (website) and look at what's going on in the surrounding homes," he said. "I take it seriously because someone could file an ethics complaint about those numbers."
Jodie Tillman can be reached at firstname.lastname@example.com or (727) 869-6247.


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We're marking British Food Fortnight from 22 September to 7 October by celebrating the Great British home-grown fruit and veg revival.
It seems that we've fallen back in love with 'The Good Life', with not enough allotments to go around, and more of us creating our own fruit, veg and herb plots at home.
The UK's first own-grown food survey since the Second World War's Dig for Victory campaign is currently under way, as home-owners and local communities are encouraged to 'dig in' for a healthy lifestyle and self-sustainability. More of which later, but first, a brief look at where it all began.
Allotments go all the way back to Anglo Saxon times, from 410 to 1066. But today's system of allotments was a response to the Industrial Revolution in the 1800s, when there was no such thing as The Welfare State. Pockets of land were given to 'the labouring poor' so they could feed themselves. Allotments were therefore born out of necessity.
Later, at the end of the First World War, an Act of Parliament was passed that allowed land to be made available to all. This was primarily to help the servicemen returning from the war.
Today there is a statutory obligation on local authorities to provide allotments where there is a demand – but nowhere near enough are being provided. The National Allotment Society reckons more than 90,000 gardeners are waiting for an allotment.
Which brings us back to the MYHarvest (Measure Your Harvest) survey. It's being carried out by researchers at the University of Sheffield to help us get a picture of what and how much we are growing at home or in our allotments.
It comes at a time when more of us are growing fruit, veg and herbs – and amid concern over the UK's food sustainability. The researchers and its supporters, including the National Allotment Society, are hoping it will lead to more space being provided for grow-your-own projects.
The survey began in 2017 and runs until the end of March 2019 – anyone who grows produce at home or in allotments can take part by sending in details of their harvest (www.myharvest.org.uk).
According to the data so far, there is a clear leader in the veg we like to grow the most: let's hear it for the humble spud. Potatoes are grown by the most people, while strawberries are the most productive when it comes to yield. Apples provide a bountiful harvest too, while courgettes, tomatoes and plums are also popular amongst home-growers.
Growing your own doesn't just save money, it's also rewarding in other ways. It encourages a healthy diet, it's fun and it's great for keeping fit. Yep, it seems that people who grow their own really do know their onions!


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Trans Siberian Orchestra Madison Tickets
Trans Siberian Orchestra will be performing at the Alliant Energy Center Way, Madison. This is an event not to be missed by music fans. The venue will rock with rhythms of the renowned producer and director Paul O'Neill. With Christmas preparations all around and aroma of chilly weather in the air, the band will stage one of their best hits, The Lost Christmas Eve. So, music folks, book the best available deals of the Trans Siberian Orchestra Madison tickets before they sell out! Make sure you do not let this opportunity go by.
Trans Siberian Orchestra was formed in 1996 by Paul O'Neill, Robert Kinkel and Jon Oliva in New York. Some of the most popular albums of the group include Christmas Eve and Other Stories, O Holy Night, The First Noel, The Christmas Attic, Beethoven's Last Night, The Lost Christmas Eve and Night Castle. The Lost Christmas Eve was produced in 2004 and the songs Christmas Eve Sarajevo 12/24 and Wizards in Winter are said to be the hallmark of the Trans Siberian Orchestra band. The album encompasses the story of a businessman's wife, who died during childbirth.
The music of the band revolves around the genres of classical, neo classical metal, progressive rock, rock opera and holiday music. This Christmas, the band is ready to stir a wave of novelty and delight among their fans. Their upcoming shows are expected to be a blast. Watch these talented musicians perform live and have an experience to remember.
The fusion of the group's talent and special arrangements will no doubt enthrall and mesmerize the spectators. Every year, the show gets more spectacular and bigger with better euipment of lights, lasers and sound systems. So, don't miss the chance to see Trans-Siberian Orchestra's live performance in Madison. Your Trans Siberian Orchestra Madison tickets are waiting for you so grab them right away!
Q:Are Trans Siberian Orchestra Madison Tickets still available at your website?
A:You can check for the availability of Trans Siberian Orchestra Madison Wi Tickets by simply going to the relevant event page on our website. In case tickets are no longer available, you can leave us your email address or contact details, and we would be happy to get back to you, to let you know if new tickets do become available. You can also browse our website to look for more upcoming events by the same artist.
Q:How can I search for TSO Madison Tickets on your website?
A:You can easily search for Trans Siberian Orchestra Madison Wi Tickets on our website by simply typing in your search query in the search bar located at the top our page. In case you have incomplete information about the event, just type in either the artist name, venue name, or even the city name and our search engine will generate a list of events for you to choose from. You can also use our advanced search option to carry out a more focused search. Once you find the event's page, simply select the tickets you wish to purchase.


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Facebook: Credits Will be the "One Currency" on All Apps
Facebook is sending the clearest message yet that it intends to implement its own virtual currency, Credits, in a way that could be mandatory. This confirms months of speculation we've been hearing from developers. Because Facebook takes a 30% fee on Credits purchases, the decision could negatively impact the virtual goods revenue streams of some developers now — at least in the short term. If Facebook's plan works like it intends, spending will eventually increase and developers will benefit.
At its f8 developer conference this week, company chief executive Mark Zuckerberg told Bloomberg that "'there's just going to be one currency that people use' on all apps." Later that day, Facebook's Deb Liu was presenting about Facebook's Credits plans, and she was asked if Facebook would continue to allow people to use third-party virtual currency services like Social Gold. She replied: "It's still too early to tell, Credits is still in beta."
Together with Zuckerberg's statement, that sounds like it could be simply "no." Another possibility is that third party virtual currency services can continue to exist, but will just be much less used than Credits, at least partially due to incentives Facebook will give to developers who use Credits – like free marketing.
> Continue reading on Inside Social Games.


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Celiac.com 11/12/2008 - It's not as hard as you might think! It's easy to start with the big items—a gluten-free turkey, gluten-free stuffing, gluten-free pumpkin pie, and of course, gluten-free gravy. All are easily achievable by the average home cook, and no one will be able to tell anything is different or unusual—just a lovingly prepared meal full of flavor.
Order an organic turkey from New Seasons or Whole Foods in plenty of time, or choose a less expensive option such as Norbest, Riverside, or Honeysuckle White (my favorite). Some commercially produced turkeys contain gluten in the broth used to inject them full of flavorings, salt, and fat. It is important to avoid eating gluten with your conscientiously prepared meal by choosing a gluten-free turkey as your centerpiece. Check the label and it should say no MSG and no gluten on the front or under the nutrition label on the back. Season turkey with high quality herbs like sage, thyme, and rosemary, or go Latin with cumin, chilies, and lime, but forgo additional salt. Most turkeys are pre-salted—some excessively so. The turkeys I surveyed at my discount grocer ranged in Sodium Content/Serving from 160 mg. to 325 mg. Honeysuckle White, which I cooked at my Thanksgiving Prep class, had 200 mg. and I did not need to add any salt when cooking. It was moist, flavorful, and delicious.
Use sweet rice flour to replace the traditional wheat flour in thickening gravy. If it's not quite thick enough you can add a little tapioca or potato starch.
I'll inject a note of caution here, for those folks with gluten-related bladder problems. If you still have a sensitive bladder, take it easy on the cranberry sauce. I know, it's recommended to prevent bladder problems, but in reality, it is quite harsh on the bladders of those who already have them. You may be able to tolerate a little apple cider, though, and herb tea is a good option, especially some nettle leaf tea before you have dinner, whether it's one you're preparing or not—nettle leaf can help to minimize any food sensitivity reactions you may have, although it can't prevent a reaction to gluten, so do maintain your gluten-free diet, and don't be afraid to ask your host or hostess about ingredients. It's best to do it before-hand rather than at the dinner table. Think about how relaxed you'll be if you already have your game plan when you get to the table, and know exactly what you can eat, and which dishes you'll need to politely pass on to the next guest.
For pumpkin pie, all you really need to do is make a killer pie crust and make sure your filling is dairy free if necessary. You can substitute Earth Balance for regular margarine—it's gluten-free and dairy-free, or if you tolerate dairy products, use butter. Or, you can use oil to make pie crust. I'll include recipes for both crusts, and the pies, here. To replace milk in your pumpkin custard for the pie, there are many options to choose from: rice, soy, almond, hazelnut, or hemp, but for extra richness, try coconut milk—it has a very mild taste and won't overwhelm the pumpkin flavor. I'm very happy with the recipe I included in my Thanksgiving Planner & Recipe Guide.
Poached pears or other fruit make a lovely alternative to pie, especially when prepared with the finest ingredients and served in an attractive dessert bowl. I use my Mom's retro 1940's curvy glass bowl, which always brings back happy memories. No, I wasn't actually around yet when she got the bowl!
Here's the menu for my 2008 Thanksgiving dinner:
- Sangria with Cranberries
- Yeasted Pumpkin Bread
- Traditional Roasted Thanksgiving Turkey
- Traditional Tukey-Sage Stuffing (Made with Focaccia Bread)
- Traditional Turkey Gravy
- Mashed Yukon Gold Potatoes
- Yam Gratin with Spiced Pecans
- Green Salad with Satsumas, Avocados, And Lime Dressing
- Wild-Rice-Cranberry-Pecan Pilaf (Alternate Stuffing)
- Oven Roasted Green Beans or Asparagus
- Cranberry Pineapple Salsa
- Pumpkin Pie with Coconut Whipped Cream (Optional)
Tender Gluten-Free Pie Crust
(Adapted from Karen Robertson)
1 ¼ cup gluten-free flour blend (+ up to 1 tablespoon more as needed)
¼ cup tapioca starch
¼ cup potato starch
1 ½ teaspoon guar gum or 1 ¼ teaspoon xanthan gum, not both
2 teaspoons fructose
9 tablespoons Earth Balance Vegan margarine or shortening*
1 large egg + 1 egg yolk
1 ½ tablespoons apple cider vinegar or cold water
(if using shortening, add ½ teaspoon salt)
- Mix together dry ingredients, then cut in margarine or shortening carefully until there are no lumps larger than pea-size.
- Beat together the eggs, and water or vinegar.
- Make a well in dry ingredients and add egg and liquid mixture, stirring carefully with fork to combine.
- When dough is just barely beginning to hold together, turn out onto a floured surface and flatten and fold, and flatten and fold again. Do not overwork dough.
- Roll out carefully between wax paper.
- Remove top sheet of wax paper, and invert crust into pan. Using wax paper, press crust into pan and form, then remove wax paper. Use a similar technique for top crust if using.
(Adapted from Betty Hagman's recipe)
1 cup gluten-free flour blend
½ cup potato starch
½ cup sweet rice flour
3 teaspoons xanthan gum
1 teaspoon salt
2 teaspoons fructose
3 tablespoons cold rice milk
2/3 cup vegetable oil
- Mix together all dry ingredients, then mix together rice milk and oil.
- Make well in dry ingredients and add rice milk/oil mixture, stirring gently with fork to combine.
- Proceed as directed in previous recipe.
PUMKIN PIE (Gluten-Free)
Choose either one of the pie crust dough and make as directed. Place in pie plate, and carefully cover inside of crust with foil. Fill pie crust with dried beans or rice, and pre-bake crust about 10 minutes at 350. When edges are set, remove foil and beans, and bake another 5 minutes, or until bottom crust is beginning to crisp slightly.
Here's the filling:
This makes enough for two 8 inch pies, so if you're only doing one, cut it in half.
Filling Ingredients:
2 15-ounce cans of pumpkin, not pumpkin pie filling, or 1 29-ounce can of pumpkin
4 whole eggs
2 tablespoons gluten-free flour blend
1 teasoon sea salt
1 teasoon cinnamon
¼ teasoon cloves
½ teasoon allspice
1 teasoon ginger
½ cup fructose
1/3 cup dark agave syrup
2 teasoons vanilla extract
2/3 cup full fat (not light) coconut milk
2/3 cup unsweetened rice or almond milk
If making only half the recipe, you can make this in the blender, which is very quick and easy, and also makes it easier to pour into the crust. The full recipe will exceed the capacity of most blenders.
- Mix all ingredients together in large mixing bowl, in approximately the order they are listed. Blend until thoroughly mixed.
- Pour into pre-baked pie shell, and bake for fifty minutes at 325. Remember to reduce oven temperature after pre-baking the pie shells. Check for doneness every 5 minutes thereafter, by inserting a paring knife into the pie; it should come out clean.
Prepare liquid ingredients in a small bowl:
- 1 teaspoon apple cider vinegar
- 1 tablespoon fructose
- 1 tablespoon agave syrup
- 1/3 cup vegetable oil (light tasting olive oil works well)
- 2 eggs + 1 egg white at room temperature, or equivalent egg substitute (Ener-G foods, or flax seed & boiling water – beaten with fork until foamy)
- 1 ¾ cups warm milk substitute (rice milk etc.) (110-115 degrees)
- 1 package active dry yeast (equiv. to 1 tablespoon) + 1 teaspoon yeast
- 1 teaspoon fructose
- 3 ¼ cups all purpose baking mix (2 parts brown rice flour, 1 part sorghum flour, 1 part tapioca starch, ½ part potato starch)
- ¼ cup teff flour
- ¾ cup amaranth flour
- 4 teaspoons guar gum
- 1 ½ teaspoons salt
- ¾ teaspoon garlic powder
- Combine all wet ingredients and beat together with whisk. Add flour mixture all at once, stirring on low until combined. Increase speed to medium and beat for 3 full minutes. Let dough rest in bowl, covered with towel for 10 minutes, and it will firm up slightly.
- Wash and dry hands, then coat with gluten-free cooking spray. Scoop 2 equal portions of dough onto prepared pizza pans, sprayed lightly with cooking spray. Pat dough into smooth round, and begin to work dough out into a round about ½" thick and about 10 inches in diameter. When dough begins to stick to hands, rinse hands in warm water, shake it off, then continue to spread dough. When dough reaches desired shape and size, use fingers to lightly dimple dough, and sprinkle lightly with granulated garlic. Cover with towel, and place in warm, draft-free place to rise for 40 minutes.
- Preheat oven to 375F and bake for 8-10 minutes. Remove bread from oven and brush with olive oil - add caramelized* onions and return to oven for an additional 10-15 minutes.


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Pune-based artist Sandeep Sinha recently created a piece of art that consists of 945 miniature paintings, of a size of 1cm x 1cm each, based on Life and Global Warming on a single canvas measuring 14" x11".
Elaborating on how he conceptualised the idea, he said, "The reason I chose this style is because I wanted to create something unique – a piece of art which will bring global recognition to my country."
While painting is something that Sandeep enjoys and uses as a medium of stress management, he currently works as an IT Professional with Tech Mahindra, Pune (originally hailing from Jabalpur, Madhya Pradesh). The artist uses acrylic colours and most of his art is a work of his imagination. And so, while he was in the US for a year, and had a month's break, he decided to pursue the distinctive art of miniature painting.
There is a sense of uniqueness in his art, in terms of the colours, composition and the variety he paints. But a common thread of visual element is found in each of them. He worked on them for eight hours each day, and completed the paintings in just 22 days, and in fact, he himself was surprised at the end result.
This extraordinary work of art got him a lot of recognition and accolades at the…
1) Limca Book of Records (2017 Edition)
2) World Record Setter
3) Asia Book Of Records
4) India Book Of Records
"The Best Way to see the world is with Your Eyes Shut. Nothing in the outside world inspires me; I go inside myself and then it comes out. When I do an artwork it's based on my emotions, it's based on how I feel. Painting is like meditation; the colours soothe me. A piece of art is a connection to my feelings, my soul and my dreams", explains Sinha.
He believes in experimenting with various new mediums, different papers, styles, and rendering techniques. "As colours flow into a rhythm, I flow with them. With colours and creations, I try to connect with the cosmic energy, which is nothing but the subconscious state of mind. All my paintings reflect nature, landscapes and heavenly compositions by God", he sums up.


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China's Babytree.com Leads the Trend: The New Smart Wearable Device for Pregnant Women
Nov 27, 2013, 06:21 ET
SHANGHAI, Nov. 27, 2013 /PRNewswire/ -- The largest childcare portal in the world Babytree.com launched the first smart watch, B-smart (smart.babytree.com/watch), for pregnant women in November 2013, attracting more than 100 pregnant women to the scene to take advantage of the high-tech product.
The watch is the first smart wearable device designed specially for pregnant women in both domestic and international markets. Smart wearable devices have gained popularity since the end of last year. However, the devices launched before, including GEAk Watch, Smart Watch by Sony, Galaxy Gear by Samsung and miCoach by Adidas, have either focused on sports and health, or been promoted as a smart phone companion. No smart wearable device had been designed for pregnant women before. As the first smart wearable device for pregnant women in the world, B-smart of babytree.com has got the head start in this business.
The childcare portal Babytree.com, founded on March 8, 2007, has already becomes the largest website of its kind in the world, with more members than Babycenter.com, the famous portal in the United States. Babytree.com's users have uploaded 20 million baby diary entries, with a daily growth of 10,000 entries, and 220 million photos, with a daily growth of 220,000. It also offers 200,000 FAQ entries online on maternal and infant issues.
Based on its huge database, Babytree.com has developed B-smart according to special demands from pregnant women. Instead of a high-tech device, B-smart looks much more like a fashionable accessory. The company invited German designer Luigi Colani, the "Leonardo da Vinci for the 21st century," to create the product. B-smart, in his opinion, is embodied with a deep meaning in its circular shape, which is an initial form for life representing the beginning and pregnancy. It is customized for pregnant women strictly based on Luigi Colani's design concept.
It can serve as an assistant to record both fetal movements and contractions of the uterus. By simply inputting one's weight before pregnancy, pregnant women can easily read its predicable graphs for the mother's growing weight on a weekly or monthly base, which gives the users advice and reminders regarding their diet and exercise. By calculating the data, the smart watch will also predict and update the mother-to-be on the baby's growth condition in terms of weight and size. It is the first time that these functions are available in smart wearable devices in the market.
Moreover, considering pregnant women's worries of radiation, the cellular connectivity of B-smart will be locked during pregnancy to reduce radiation almost to zero. But by updating some postpartum software, the cellular connectivity will be activated.
B-smart's all-scientific calculating methods are developed based on data from Babytree.com's large amount of users. Each suggestion, reminder or graph from the smart watch is calculated based on this large data pool, which proves to be scientific and useful for pregnant women.
With Bluetooth, B-smart can perfectly connect with the most popular app "Happy Pregnancy" in Babytree.com and store the data in the cloud. The interactions between this wearable device and mobile phone can reflect the change of the mother's weight and meet their needs on learning and exchanging during pregnancy, offering a complete smart pregnant life for expectant mothers.
In the future, B-smart can connect with many kinds of third-party devices to monitor the fetus heart rate, air quality, etc.
Babytree.com will maintain a fast speed in updating and launching new products of the series. The future devices will support interaction between couples, helping expectant fathers better understand the mother and child's physical condition through the statistics provided by wearable devices.
It will also develop cloud frames, children's watches and other third-party devices, meeting pregnant women and mothers' requirements on the family's health and security.
2013 is known as "the first year of smart wearable devices" in the smart device industry. According to data released by consultancy firm Juniper Research, smart wearable devices are about to see a dramatic rise in 2014. US$1.4 billion has been spent on smart devices including smart watches in 2013 and the market will grow to US$19 billion in 2018. Babytree.com is determined to lead the trend in this sector within the mother care industry.
For more details, please contact:
Chen Qimei
Public Relation Director
Email: [email protected]
Mobile: +86 139 1043 9177
Landline: +86 10 6113 8080 ext. 6163
SOURCE Babytree.com


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- Our memories could one day get a boost from a new brain implant device, according to a new study.
- Researchers looked at how our brains naturally process memories in order to mimic what they do with micro-electric shocks.
- The device can boost performance on memory tests by up to 30%, according to the study.
We'd all love to have a better memory. If there was a tool that could make us better at retaining information for exams, or at remembering important facts for a presentation or interview, we would probably pay good money for it.
This is what researchers have been working on at the University of Southern California. According to New Scientist, the team have developed a "memory prosthesis" brain implant, which could enhance human memory. Their findings were presented at the Society for Neuroscience meeting in Washington DC.
The device is made up of electrodes which are implanted in the brain. It's supposed to mimic the way we naturally process memories by giving small electric shocks to the hippocampus — the region of the brain involved in learning and memory. These electric burts imitate normal brain activity patterns, so the researchers hope it could help people with memory disorders such as dementia.
A group of 20 volunteers were fitted with the electrodes, and asked to participate in a training session where they were given a simple memory game. Each participant was shown images in a short presentation, then had to recall what they had seen up to 75 seconds later.
The researchers then looked at the responses of neurons in the subjects' brains to see which regions were activated while they were using their memory.
In a second session, the implants were used to stimulate these specific brain areas with micro-electric shocks.
According to the study, the device can boost performance on memory tests by up to 30%. The researchers hope in the future it could be adapted to be used as a tool to improve memory, vision, or movement.
"We are writing the neural code to enhance memory function," Dong Song, associate professor of biomedical engineering at the University of Southern California, and one of the authors of the study told New Scientist. "This has never been done before."
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