text:
Leading Experts to Debate the Future of Financial Services at Zicklin-Capco Conference in Finance
Second Annual Conference hosted by the Capco Institute and the Zicklin School of Business at Baruch College
NEW YORK, NY- October 10, 2013 - The second annual conference of the Zicklin-Capco Institute Paper Series in Applied Finance takes place on Wednesday, October 23 at the Zicklin School of Business at Baruch College in New York City. Hosted by the Capco Institute and the Zicklin School of Business, the conference explores how the latest industrialization strategies can help transform financial institutions into 'factories of innovation' from front office to back.
No longer synonymous with outsourcing and cost-cutting, industrialization offers a clear roadmap to innovation and the delivery of personalized products and services that belong in the digital as well as the financial marketplace. Conference attendees will come away with a deeper understanding of how cutting-edge approaches to regulation, risk and reporting are transforming the fortunes of forward-looking institutions.
"We're seeing a resurgence of interest in industrialization across the financial and digital marketplaces," said Dr. Terrence Martell, Saxe Distinguished Professor of Finance, Zicklin School of Business, and Director, Zicklin-Capco Institute Paper Series in Applied Finance. "The Zicklin School of Business and Capco saw the need to offer true insight into the current state of the financial services industry, and offer guidance that helps institutions to challenge the status quo with innovative products and services."
Ismail Amla, Capco CEO, North America, said: "We're proud of the close relationship we've developed with the Zicklin School of Business over the last two years. In today's complex market environment, it's crucial to advance the debate between academics and industry professionals as we seek to solve today's most pressing industry issues."
The conference will feature three panels, bringing together speakers from world-leading institutions including members of regulatory bodies, academics, senior executives and consultants:
- "Regulation, Risk, Reporting Convergence, and Stress Testing" - Chaired by Chris Edmonds, President, ICE Clear Credit
- "Electronic Trading: Bigger, Faster, Better? " - Chaired by Larry Tabb, Founder and CEO, TABB Group
- "Industrialization: A New Route to Innovation" - Chaired by Thomas R. Heinrich, Associate Professor, History, Baruch College
Keynote speakers include: Thomas W. Farley, SVP, Financial Markets, ICE; Dr. Peter Leukert, FIS and Head of the Capco Institute; and Stephen Daffron, President and CEO, Interactive Data. The full conference agenda is now available for download.
Teams from Baruch College and Capco will premier designs for applications that will transform banking -- providing delegates with the opportunity to experience innovation first-hand. "To form the future of finance, we need to understand, embrace and foster innovation," said Eric Disend, Partner and leader of Capco Digital. "We challenged these teams to show how social networks, mobile devices and other digital channels can be used to drive innovation and transform the way we bank in the very near future."
Innovation presentations include:
- "Innovation Through Collaboration: Putting Employees at the Center" - Presented by Capco Innovation Lab, UK
- "New Mobile, New Payments: Welcome to the Virtual Credit Card Portfolio" - Presented by Baruch College, New York
- "The New iPhone Fingerprint Sensor: Implications and Potential Applications" - Presented by Capco Innovation Lab, New York
The event coincides with the publication of the latest edition of the Capco Institute Journal of Financial Transformation. Featuring articles linked to the themes of the agenda and the overall event, the Journal connect the worlds of academia and finance and aims to promote thought leadership in the areas that are shaping finance today. Capco is proud to have received the 2013 APEX Awards for Magazine Excellence awarded to the Journal earlier this year.
Dr. Peter Leukert, FIS and Head of the Capco Institute, said: "We've always strived to bridge the worlds of academia and finance through the publication of cutting edge articles, and our partnership with the Zicklin School of Business, and other leading industry organizations, enables us to deliver the high quality thought leadership our readers have come to expect."
The latest edition of the Capco Institute Journal of Financial Transformation is now available to download.
Participate in the discussion on industrialization via Twitter using the hash tag #ZiklinCapco
The conference is taking place at Baruch College's Vertical Campus. 55 Lexington Avenue, Room 14-220.
About Capco
Capco is a global business and technology consultancy dedicated solely to the financial services industry. Our professionals combine innovative thinking with our unrivalled first-hand industry knowledge to offer our clients consulting expertise, complex technology and package integration, and managed services to move their organizations forward. Through our collaborative and efficient approach, we help our clients successfully increase revenue, manage risk and regulatory change, reduce costs and enhance control. We specialize in banking; capital markets; wealth and investment management; finance, risk & compliance; and technology. We serve our clients from offices in leading financial centers across North America and Europe. To learn more, visit our website at www.capco.com and follow us on Twitter @CapcoNA.
About the Zicklin School of Business of Baruch College
Baruch College's Zicklin School of Business has earned a national and international reputation for excellence as the largest accredited collegiate school of business in the United States. Ranked among the nation's "Best Business Schools" by Forbes, its MBA program is among the top rated for financial value at graduation by U.S. News & World Report. The Zicklin faculty include internationally recognized authorities in business and management fields, noted scholars and authors, sought after consultants, and master teachers. In addition to a superb undergraduate business education, Zicklin offers an array of premier graduate business degree programs.
Diana Butler Buxton, Capco
Jessica Kleinman, Cognito
E: email@example.com
Manuel Romero, Baruch College
E: firstname.lastname@example.com
Christina Latouf, Baruch College
E: email@example.com


text:
Enjoying an unrivalled position and stunning views over the sea, harbour entrance and beach, these award-winning cottages lie at the very eastern edge of Whitby yet only a 300-yard walk down cobbled streets to the harbour bridge. Sensitively rebuilt from a former old smoke house they offer well designed spacious interiors, double glazing and cosy heating. An ideal location whatever the season – in summer, for the beach just 100 yards from the door, and in winter, for the exhilarating drama of crashing waves and spectacular views. A traditional fishing town with a maritime heritage, Whitby boasts the Captain Cook Museum, craft and antique shops, galleries, jewellers selling the famous Whitby Jet, tea rooms, gourmet fish restaurants, pubs galore and a host of other attractions. Extensive walking can be enjoyed locally on the Cleveland Way cliffs top paths or surrounding moorlands whose pretty villages are also a delight to explore.
Cottages.com .
Spring Mill Earby
BB94 0AA Barnoldswick
England and Wales 00965389
cottages4you Spring Mill Stoney Bank Road Earby Lancashire BB94 0AA UK
VAT Reg No GB598229977

subset: commoncrawl


text:
Your browser does not support iframes.
A killer once stalked me, almost snuffing out my young life.
The deadly force didn't lurk around corners, sneaking quick peeks or huddle outside the shrubs in front of my house - watching, waiting.
This frightening phantom was hiding inside my chest, little by little, growing over many years.
It was coronary heart disease.
The dreaded slayer takes more lives than any other disease in the U.S., and it had my number.
My cell phone rang just after 7 Sunday evening. By habit, I glanced at the screen, but I didn't recognize the number.
The voice on the phone was one I hadn't heard in nine years. It belonged to a high school friend with whom I had lost touch. For the next hour, we caught up with one another's lives. We hung up with a promise to not lose touch again.
How did she find me?
I'm spoiled, I'll admit it. I like a hot shower, clean clothes, fresh coffee, warm food, lights, heat, television, Internet and phone service. And I don't like doing without those things.
But I don't imagine I'm the only person like that. Especially lately.
With last week's ice storm, our family had to do without. But we weren't the only ones, and many were - and still are - in worse shape.
With less than two weeks to go before the switch, Congress has voted to delay the transition to digital TV until June.
It's nice to see that our federal government is still tackling the big issues. Sure, people are losing their jobs, families are being forced out of homes they can't pay for and businesses are shutting their doors, but we all know nothing is more important than TV.
The rationale is that people haven't had time to prepare and that the federally funded coupon program has run short of cash.
For several months I've heard from many Kentuckians who have told me how this economic crisis has hurt them and their families. Too many people are out of work. And too many are worried about paying for health care, education or the mortgage.
On Lincoln's birthday, when we remember his heroic words at the Gettysburg battlefield, that government of the people, by the people and for the people shall not perish from the earth, the members of the Kentucky House of Representatives serving on the House Licensing and Occupations Committee are acting in direct contradiction to those great words.
For the second time in just six months, Mother Nature has again tested our resolve. The destructive winds that swept across Kentucky in September have been replaced by snow, ice and bitter cold. Although very different storms; the end result is much the same.
A record number of Kentucky families are again without power, homes are damaged, lives have been lost and Kentucky is in a state of emergency. My thoughts and prayers are with the more than 600,000 families who lost power in the wake of this devastating winter storm.
I'm not sure where it started, but I'll be glad to see it end.
The downturn of the economy has everyone tightening their pocketbooks and pausing before we spend our hard-earned paychecks.
I have discussed this very issue with several people, who all, like me, seem to have no idea just where the economy went sour. What exactly happened that has trickled down to making people fear they won't have a job much longer?
Why have property sales slowed? What caused the stock market to plummet?
The federal minimum wage was not enacted during good times, but during the extraordinarily hard times of the Great Depression. When it was established in 1938, the unemployment rate was still 19 percent.
I voted "no" last year to alcohol sales in Campbellsville. I was, and will likely always be, against the sale of alcohol in our town.
I understand the reasons people have given to approve the sale of alcohol in our town, but I honestly think the reasons against it are more convincing and protect the sanctity and peace of our community.
But that's not really what this column is about.
Copyright © 2018
The Central Kentucky News-Journal is your source for local news, sports, events, and information in Campbellsville, KY and the surrounding area.


text:
Most Affluent US Neighborhoods Map
According to the U.S. Census' American Community Survey, released on Dec 9th, the most affluent neighborhood in the United States is Southlake, Texas. The estimated median household income is $172,945. According to Forbes the neighborhood owes its wealth mostly to its real estate growth.
This Google Map mash-up shows the 20 most affluent neighborhoods in the US based on the census data. It was created using the Google Maps Spreadsheet Wizard and Pamela Fox's Geocoding with Google Spreadsheets Gadget.


text:
Registration Form Request
Overhead Crane/Hoist Operator
Wednesday, December 19, 2018 - Thursday, December 20, 2018
Houston, TX
4738 Homestead Rd
Houston, TX 77028
Houston, TX 77028
Training Location: Houston, TX
At Crane Inspection & Certification Bureau's Houston Training Center we offer the highest quality training that our customers have come to expect from us over the last forty years. Scheduled classes are held weekly and customized training and special requests can be accommodated.
Avocational training is available for:
- Operators of Cranes and other Lifting and Material
- Handling Equipment
- Inspectors
- Trainers
- Riggers
- API Riggers
- Safety Personnel
- Supervisors, Managers and Owners
- NCCCO Training and Examinations
At this training center we are equipped to handle multiple training sessions with various types of equipment at the same time. Our classrooms have the capacity to hold up to forty students at a time and we now have the capability of unlimited hands on training on our cranes. For equipment specific training, customers may bring their own equipment to our facility, due to our increased acreage.
"Crane Inspection & Certification Bureau fully endorse the national certification program offered by the National Commission for the Certification of Crane Operators (NCCCO), and will prepare candidates for the CCO certification examinations."
Call CICB at (800) 327-1386 to Learn More.


text:
Sox win
Lester, Red Sox end Rays' winning streakThe Sports Xchange
July 23. 2013 10:47PM
BOSTON — Jon Lester certainly looked refreshed from the extended break.
The left-hander pitched effectively into the seventh inning and Boston's bullpen did the rest, carrying the Red Sox to a bounce-back 6-2 win over the hard-charging Tampa Bay Rays on Tuesday night.
The victory was Boston's 10th in 14 games against the Rays this season, and it gave the Red Sox a 1½-game lead over Tampa Bay in the American League East. The Red Sox have been alone in first since May 27.
Lester (9-6) held the Rays to two runs — both coming off solo homers — and seven hits in 6 1/3 innings. He struck out eight without walking a batter. Lester looked sharp from the start, hitting the mid-90s on his fastball in the first inning while striking out a pair.
Jose Iglesias had a two-run single, and Mike Napoli had two hits and scored two runs for Boston.
Evan Longoria and Wil Myers hit solo homers for the Rays, who lost for just the third time in 21 games and had a six-game winning streak snapped.
Roberto Hernandez (5-11) gave up three runs on seven hits in five innings, dropping to 1-7 on the road.
Longoria's homer, a drive into the seats in left-center above the Green Monster, cut the Red Sox's lead to 3-2 in the sixth, but Boston's bullpen shut the door.
Matt Thornton retired the only batter he faced. Junichi Tazawa fanned the first three hitters he faced in getting four outs. Koji Uehara worked the ninth in a non-save situation.
The Red Sox put it away with three runs in the eighth — two coming on Iglesias' single and the other on Stephen Drew's RBI single.
Lester was given an extra few days rest after the break, with manager John Farrell saying "two extra days would help him" when he made the announcement over the weekend. It showed from the start, with Lester fanning the game's first hitter — Desmond Jennings — with a 95 mph fastball. He got Jennings on a 94 mph heater in the fifth.The 29-year old left-hander certainly looked like the break helped him. Entering the game, he was 2-6 with a 6.27 ERA in his previous 11 starts.
Notes: Rays RHP Alex Cobb, struck in the head by a line drive off the bat of the Royals' Eric Hosmer on June 15, was scheduled to make his first rehab start for Class A Charlotte on Tuesday. ... With a scoring change, CF Shane Victorino became the first Red Sox player to steal home since Ryan Kalish on Oct. 3, 2010, also on a double steal. ... Rays SS Yunel Escobar, who set a club-record Monday with his 53rd straight errorless game at short, was charged with a throwing error in the eighth


text:
A teen charged in the videotaped beating death of Fenger High School sophomore Derrion Albert wept in court today as he said goodbye to his mother and sisters after being sentenced to 26 years in prison.
Eric Carson, 17, pleaded guilty to one count of first-degree murder in the September 2009 slaying and was sentenced by Criminal Court Judge Nicholas Ford as part of an agreement with prosecutors.
Carson, who was 16 at the time, was seen on the infamous videotape of the beating striking Albert on the back of the head with a large board. The blow sent Albert sprawling to the pavement. He was then beaten and stomped by several other teens as he struggled to his feet.
Carson has been in custody since his arrest days after the attack. After pleading guilty on Friday, Ford allowed his mother and two sisters to hug and kiss him before he was led away by deputies.
As he passed the bench, Carson used his khaki, jail-issued shirt to wipe tears from his face. The judge wished him luck.
Dozens of supporters who were crammed into the gallery of Ford's courtroom cried loudly as the hearing came to a close, some shouting "No!" while one woman yelled, "26 years? That's crazy!" Several of the spectators raised arms in salute as Carson was returned to the lockup.
Members of Albert's family also attended the hearing but left before the emotional scene played out.
Both families declined to comment.
Carson is the third defendant to be convicted in connection with Albert's murder. Earlier this month, a jury convicted Silvonus Shannon, 20, of first-degree murder. Shannon, who was tried as an adult, faces 20 to 60 years in prison when he is sentenced in February.
On Tuesday, a 14-year-old boy convicted of murder as a juvenile was sentenced to a juvenile detention center until his 21st birthday.
Two others, Eugene Riley and Lapoleon Colbert, still await trial.
The brawl occurred after classes let out at Fenger, then beset by tensions between students from "the Ville" neighborhood near the school and those from the Altgeld Gardens public housing complex.
The grainy, shaky video -- played repeatedly on TV news and seen worldwide on the Internet -- showed Carson, who is from the Ville, swing a 4-foot-long board toward a group of fighting teens, striking Albert in the side of the head.
Jurors in the trials of both Shannon and the juvenile were shown the three-minute tape repeatedly, at regular speed and on a frame-by-frame basis.
Carson's attorney, Assistant Public Defender Lorne Gorelick, said his client sat down with prosecutors to discuss a plea deal in early January. Carson must serve 100 percent of the 26-year sentence.
Since he was credited with nearly a year and a half of time served while awaiting trial, Carson will be released from prison when he is 42.


text:
Famous Scientists
You may have heard the names Nikola Tesla and Marie Curie before, but do you know what they contributed to science? Here you can learn about some of the most famous scientists in the world.
Topics to Explore:
Astronomers have contributed greatly to our understanding of physics and motion. In this section you can learn all about famous astronomers and what each of them has contributed to our understanding of space.
Biologists, or those who study biology, have contributed many of the greatest findings in science. A biologist might study anything from cells to human evolution, but their focus always relates back to the study of life.
Some of the most famous physicists and their contributions to science are explained in this section. Learn famous physicists, such as Albert Einstein.


text:
Last night, Brian Ward and I recorded Episode 42 of the Hinderaker-Ward Experience, featuring the Super Bowl, President Obama's visit to Minnesota to plug his gun control proposals, the Listener/Ricochet Member of the Week, Lydens Cheng, who increased the average IQ of the program considerably, and Glenn Reynolds, who stopped by to talk about his latest book, The K-12 Implosion. Given that Glenn was the first person (as far as I know) to write about the higher education bubble, he has a lot of credibility when it comes to forecasting downward spirals in educational institutions. The conversation was interesting to say the least. The K-12 Implosion is the latest from Encounter Books, which means you can buy it at a reasonable price on Amazon and read it on a short airplane flight.
We wrapped up with the Loon of the Week–a certain cabinet nominee–and This Week in Gatekeeping, featuring one of the longest corrections ever, relating, not surprisingly, to "assault weapons." It is a fun episode.
You can listen to the podcast by playing it right here, or you can go to Ricochet to download or subscribe to the podcast in various ways, or you can hit the subscribe button in the graphic above to subscribe on iTunes or elsewhere. Or you can use Stitcher. There are many ways to experience the Hinderaker-Ward Experience, but I think the best is by subscribing on iTunes. That way, you never have to worry about missing an episode.


text:
WASHINGTON (AP) — President Barack Obama's supporters plan to gather during the weekend of his inauguration to discuss the future of his campaign operation — and how it could support his second-term agenda.
Obama campaign manager Jim Messina says in an email to supporters that volunteers and staff will hold an "Obama Campaign Legacy Conference" in Washington that will talk about the structure and leadership of his campaign operation going forward.
Obama has called 2012 his last campaign. But his aides hope to use his campaign structure to promote his legislative agenda on issues like immigration reform, climate change and gun violence.
Messina says the campaign operation is "an advantage that no previous president has enjoyed and one that has the potential to reshape our politics for years to come."


text:
Zarjaz Presents... Rogue Trooper: Infested Episode 4
And remember: several issues of Zarjaz are currently available to buy from The FutureQuake Web Shop!
Torquemada: Heads You Lose by me and Steven Denton features in Zarjaz #31, available from FutureQuake Press, priced £3.00 (+ shipping).
"How Long...?" is a short story written by me and available in Debris, a short story collection from Alfie Gallagher, currently available via Alfie's Etsy shop, Orbital Comics in London and Big Bang Comics in Dublin.
The Taking Of Mopad 456 features in Journey Planet 39 - a Judge Dredd special, edited by Michael Owen Carroll. The zine is FREE to download.
Judge Dredd: Mean Men is a free-to-air daily strip by me and Bolt-01, produced for the FutureQuake Blog.
Nursery Rhyme is a short prose story, available for the Amazon Kindle (or as a PDF from Gumroad & Payhip), priced 99p.
This work is licensed under a Creative Commons Attribution-Noncommercial-No Derivative Works 2.0 UK: England & Wales License.


text:
Meal Type
Featured Videos
Featured Content
Featured Brand Sites
Featured Brand Sites
Product By Category
Tools & Info
Cooking Tips
Healthy Living
Your Kids
Recipe Ideas
food&family Magazine
Along with Calcium, Vitamin D is also important for building strong bones because it helps the body absorb and use calcium. Physical activity can help, too.
Make it milk at mealtime. If your kids don't like "plain" milk, serve chocolate- or strawberry-flavored milk instead. Enroll your kids in the lunch milk program at school. Keep grab-and-go milk containers handy.
Work Milk Group foods into meals and snacks. Prepare a pizza with mozzarella cheese for lunch; offer yogurt or cheese sticks for snacks; and top salads, soups, casseroles or tacos with reduced-fat shredded cheese at dinner. You'll find more ways to use ingredients with calcium in Healthy Living Recipes for Kids.
Sneak in some milk in place of water. Use it when preparing hot cereals, soups, pudding, rice and baking mixes.
Look for kid-friendly fortified foods. Some foods are fortified with calcium. Some, such as Kraft 2% Milk Singles, are fortified with vitamin D, too. Check the Nutrition Facts label to be sure.
Serve green veggies. Broccoli and spinach can contribute to calcium intake while providing other important nutrients.
Let the Nutrition Facts panel lead you to calcium. You might also see "good source of calcium" or "excellent source of calcium" on packages. A food with 10% to 19% of the Daily Value for calcium per serving is a "good" source; a food with 20% or more of the Daily Value is an "excellent" source.
Make an impact with physical activity. Kids and teens need at least 60 minutes daily. To help them build strong bones, encourage walking, running, jumping, dancing, volleyball and push-ups.
Set a good example! Show your kids how important strong bones are by making healthful food choices and getting plenty of physical activity yourself. They're likely to follow in your footsteps.


text:
PHOENIX — A federal judge sentenced a Phoenix man Wednesday to nearly five years in prison for purchasing firearms for a Mexican drug cartel, triggering a chain of events that included the death of an elite Border Patrol agent and the unraveling of the failed federal gun-tracking operation called Fast and Furious.
Jaime Avila Jr., 25, was a "straw purchaser" of the firearms for the cartel, and his purchases included two rifles found at the scene of the death of Border Patrol Agent Brian A. Terry, who was killed two years ago this week in the desert south of Tucson.
Avila purchased 52 firearms over 10 months. Judge James A. Teilborg sentenced Avila to 57 months in prison for what he called running "weapons of war." Avila struck a deal with the federal government and pleaded guilty to a variety of weapons charges.
FULL COVERAGE: Fast and Furious
At the hearing, a cousin of Terry spoke for the slain agent's family, asking the judge to make an example of Avila.


text:
General Comments: Futures closed higher again on ideas of continuing crop losses from Greening Disease. Traders continue to factor in less production potential due to the greening disease and drought. Temperatures are warm in the state, and conditions are dry, and talk about the potential for more fruit drop and poor development of the crop for next year continues. Harvest in Florida of mid and early oranges is almost over, and the Valencia harvest is underway. Bloom has been reported in groves in all production areas of the state. Brazil is seeing near to above normal temperatures and scattered showers. More rain is possible there late in the week. ICE said that 0 notices were posted against March contracts and that total deliveries for the month are 0 contracts.
Overnight News: Florida weather forecasts call for mostly dry conditions or light showers. Temperatures will average near to above normal.
Chart Trends: Trends in FCOJ are mixed to up with no objectives. Support is at 134.00, 132.00, and 124.00 May, with resistance at 140.00, 141.00, and 144.00 May.
General Comments: Futures were lower yesterday in response to ideas that the problems in Cyprus could hurt demand. The problems there made the US Dollar go higher and the Euro trade lower in a big enough way to make potential buyers think again about buying. The market has already rallied a lot, so some type of correction was probably coming, anyway. Demand ideas remain strong overall based on the strong export paces seen in the USDA reports in recent weeks and on reports of tight domestic and world cash markets. Demand is still said to be strong, and sales for export have held up well given the price strength in recent weeks. The rally is coming at a time when certified stocks are building as well, although the overall certified stocks remain low. The current rally in new crop prices are bringing into question what farmers in Texas and the Delta and Southeast will plant this year. Some producers in the Delta are noting the recent price rally and might decide to plant more Cotton this year. The plantings intentions report will be released at the end of the month.
Overnight News: The Delta and Southeast will see dry conditions until precipitation develops Friday and this weekend. Temperatures will average near to below normal. Texas will get dry weather. Temperatures will average near to above normal this week and near to below normal this weekend. The USDA spot price is now 85.56 ct/lb. ICE said that certified Cotton stocks are now 0.421 million bales, from 0.420 million yesterday.
Chart Trends: Trends in Cotton are mixed to up with objectives of 93.90 May. Support is at 89.80, 88.80, and 87.60 May, with resistance of 91.60, 92.60, and 93.90 May.
Next page: Coffee, Sugar and Cocoa


text:
Subject: Real Estate Appraisal -- Final Rule
Date: June 7, 1994
To: Chief Executive Officers of National Banks, Department and Division Heads and all Examining Personnel
Description: Final Rule
This issuance informs you that the Office of the Comptroller of the Currency (OCC) has issued a final rule amending its real estate appraisal regulation, 12 CFR Part 34, on June 7, 1994. The attached final rule addresses the use of real estate appraisals and real estate evaluations to support real estate-related financial transactions by national banks. The final rule is effective immediately.
Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 (FIRREA) required member agencies of the Federal Financial Institutions Examination Council (FFIEC) and the Resolution Trust Corporation (RTC) to issue real estate appraisal regulations. The OCC originally issued a final rule on August 24, 1990, and amended that rule on April 9, 1992.
The OCC published in the Federal Register on June 4, 1993 a notice of proposed rulemaking (NPRM) to further amend its real estate appraisal regulation (see Banking Bulletin 93-32, dated June 9, 1993). On November 10, 1993 the OCC published a notice of the availability of supplemental information (Banking Bulletin 93-55, dated November 9, 1993).
Highlights Of The Amended Regulation
This final rule expands, modifies, and clarifies exemptions to the appraisal regulation and identifies additional transactions that are exempt from the appraisal requirements of Title XI.
With the exception of three categories of transactions, the final rule eliminates the evaluation requirement for real estate-related financial transactions that do not require appraisals. It also eliminates duplicative regulatory appraisal standards and allows a regulated institution to accept an appraisal prepared for another financial services institution, under certain conditions.
Changes to Exemptions
The final rule:
Changes to Requirements for Evaluations
Changes to Appraisal Standards
The final rule:
The agencies wish to reemphasize that each appraisal must contain the real estate's market value, as defined by this regulation. However, more than one value estimate, such as a prospective value, may be included in a Title XI appraisal to aid the institution's loan underwriting and loan disbursement processes. Any additional value estimate must be clearly described and reflect the projected date when the future event could occur.
Changes to Use of Appraisals for Others
The regulation continues to provide that a regulated institution, or its agent, shall engage the appraiser directly, and that the appraiser shall have no interest, direct or indirect, in the property or the transaction.
The regulation now permits regulated institutions to accept appraisals prepared for other financial services institutions, if the appraiser has no interest in the property or transaction and the regulated institution determines the appraisal conforms to this regulation and is otherwise acceptable.
Consumer Disclosure
The agencies have addressed certain consumer protection issues raised during the comment period by reminding banks of the protections provided by the Real Estate Settlement Procedures Act (RESPA) and Federal Reserve Board Regulation B in the preamble.
The OCC encourages institutions to inform the consumer whether they intend to use the services of a licensed or certified appraiser to prepare the estimate of value for a real estate-related financial transaction. This should be done early enough in the loan application process to allow the consumer to make an informed decision that the intended method of estimating the real estate's value meets his or her needs.
Summary Table
The OCC has attached to this banking issuance a more detailed summary of the regulation to facilitate national banks' understanding of this regulation. The table lists the regulatory text and a brief explanation of that text. Please consult the preamble to the regulation for a detailed discussion of the regulatory changes.
The OCC is interested in receiving your comments on the usefulness of the attached summary. Comments, which are optional, should be forwarded to: Office of the Chief National Bank Examiner, 400 7th Street, SW, Washington, DC 20219, Attention: Credit & Market Risk
For Further Information Contact: Credit & Market Risk (202) 649-6670.
Jimmy F. Barton
Related Links


text:
|Episode Description
|Sunday, Jan 6, 2013 - 4:00 AM
"Beyond Belief"
Susan Retik and Patti Quigley are two ordinary soccer moms living in the affluent suburbs of Boston until tragedy strikes. Rather than turning inwards, grief compels these women to focus on the country where the terrorists who took their husbands' lives were trained: Afghanistan. Over the course of two years, as they cope with loss and struggle to raise their families as single mothers, these extraordinary women dedicate themselves to empowering Afghan widows whose lives have been ravaged by decades of war, poverty and oppression - factors they consider to be the root causes of terrorism. D
|More on WORLD (MT)
|No upcoming shows in database
|Previous on WORLD (MT)
|No Past shows in database


text:
He's gone but not forgotten
where he used to hang about.
We miss him somethin' rotten,
that libidinous old trout
Moved on to greener pastures
is what his pals all say.
'Never mind the silly bastard'.
'He'll be back around some day'.
He had a way about him
just like he really knew ya.
It's not the same without him,
a drop of the old peculier.
I asked @ poetry.com
He hadn't been 'round there.
At the Rose & Crown somebody's mom
was in his usual chair!
I recall at least a dozen times
when I was in a jam,
He'd he help me with a tricky rhyme
or trochees or iambs
I understand why he has gone,
that crotchety old fart.
Too much chit-chat going on.
It aint poetry or art.
So raise your glass to absent friends
before the beer goes flat.
Here's hoping he returns again
from wife and bath and cats!
a. I miss him too, lovely poem. jhs
no comment
for all that I was one of the reasons he left, I miss him too, crotchety and all.
Stephen---saving your place Ell
You realize it isn't fair
For him to leave us flat,
With due respect, he doesn't have
To sit and read the chat.
There's poetry to read and more,
Some good, some bad, some worse,
And lots of folks are trying,
His wisdom to rehearse.
So if you think I've missed him,
You'd better think some more,
Because he's bloody pissed me off
By closing shut the door.
And if he should come back this way,
Our crotchety old peer,
He'd better come with hat in hand,
And with a pint of beer.
JP--well said--and maybe some gin laughing Ell
I should have made that a 'case' Ell, don't think a pint would suffice. I don't like beer though, it's rather peculier. JP
I don't see your name under here, thought you and Stephen were buddy's. Great poem, don't you think? JP
I know, I know - 'buddies'
Though I concur with the sentiment, I disagree with the conclusion. The identity of the subject of the piece is only hinted at with vague, personal references. It is obvious that 'a' misses a buddy, but realistically, I think his time would be better spent looking elsewhere.
As far as 'Great Poem?' it is clever at best. We have to be careful here, lest he starts signing on with a capital A!
'vague personal references' I think they are pretty obvious, and so did everyone else. Anyway I hope 'he' appreciates the poem. I just don't like untidy endings, would like to know what happened, maybe his computer crashed, I just hope he didn't. Ah! so now we know a 'he' wrote the poem. JP
We know nothing of the kind. This could very well turn out to be an unfounded supposition. 'He' is held in high esteem in many circles, if 'he' is indeed the subject of this piece. In any event, I think 'he' would get a laugh out of all the conjecture and speculation this little ditty has stirred up. We may never know. I get the impression that 'User Submitted' is a room he no longer frequents overtly, though I thought I noticed the eyes moving in that painting of A.E. Housman the other day. 'He' may be looking down on all of us (and not in that 'heavenly' way!).
What picture? I didn't see a picture.
Well it's not actually IN 'User Submitted'. It's the in that short hallway to 'Homework Assistance', next to the pallid bust of Pallas. They moved it there when they expanded the 'General Forum' a few months back. The new track-lighting reflected badly on it.
Yeah, Thanks Jack, I'm afraid the door was locked, and I couldn't find the key.
Just for a handful of silver he left us,
Just for a riband to stick in his coat..........
Shakespeare was of us, Milton was for us,
Burns, Shelley, were with us,--they watch from their graves!........
We shall march prospering,--not thro' his presence;
Songs may inspirit us,--not from his lyre;...........
Somehow, I'm sad. JP
A - the answer my friend, is blowing in the wind!!!!!
You're losing me.
Jack, Gotcha. Look how you signed in this time 12.46.184. I knew it all the time. JP
I thought everyone got it. There is no way to not leave a 'paper-trail that I know of.
psssssssst (keep it under your hat. maybe nobody will notice!)
Well maybe I'm just slow.
It's not the best work anyway. Let's attribute it to A. Nonymous.
Great poem...
if this is about Mr Englishman from Ashford, Kent, - -
I miss him, too.
I thought this tidbit would get the old trout to the surface, but he's not biting.
Yeah. Damnit. Let's post the whole discussion on his personal mailbox, harhar!!
fierce grinning
Glad to know someone else besides me misses the guy great poem and to think its about good ole stephen
Where he has gone
That freind we once known
Oh where has he gone
I click on that my connection
I hear that old repeating chime that never stops a whining
I load up ie like a slow turtle
Loading onto the good old emule
To see no good man they call stephen
I miss him oh i do
A good freind to you
A good freind to lots of us
"To write something, you have to risk making a fool of yourself." Anne Rice
If I can't figure out how to hide a paper trail, how am I supposed to know how to do THAT?
No. The beauty of this forum is that it is voluntary. He'll visit again if he wishes to. In the meantime I propose we misspell like crazy, submit horrid rhyme, and say bad stuff about cats and Englishmen!
Yes, ... I can hear it now... doo doo dum de dum go out in the midday sun!
Simply mark everything we said, press control + C, so you save it unseen, then you click on one of Stephen's posts where his name is written in grey and send him a mail . And when you want to add our messages, press control + V. That's it.
Sounds like a lot of work. Besides, I believe he sneaks in here from time to time incognito. There was some guy in 'Homework Assistance' just yesterday. You may remember him. Sunglasses, big hat, trenchcoat with cat hair on it? He was speaking in an OBVIOUSLY false French accent, telling some kid he would not do his homework for him until he had more information!
Jack, I'm beginning to worry about you. First hallucinations, seeing eyes moving from a picture that obviously wasn't there, now paranoid delusions about some guy in a trenchcoat sneaking around. Perhaps you have spent too much time out in the midday sun with that errant Englishman. JP
'Is he in Ashford, or is he in Kent?
That damned elusive English gent.'
Just because i'm delusional, doesn't mean it didn't happen. How do you explain his absence at the last COFFEE club meeting?
We talk a lot, but never seem to get anything done.
Oh Jack, I just heard the sad news. He went to Blackpool for some R&R, and this was splashed all over the front page of the Daily Mail. A great loss to our little community. JP
There's a famous seaside place called Blackpool,
That's noted for fresh air and fun,
And Stephen being tired of the chatter
Went there to get im some sun,
A grand old fart was our Stephen
All dressed in is best; quite a swell
With a cane with an 'orse's 'ead 'andle
The finest that Woolworth's could sell.
e didn't think much to the Ocean
The waves, they were fiddlin' and small
There was no wrecks and nobody drownded
Fact, nowt much to laugh at, at all.
So, seeking for further amusement
e paid and went into the zoo
Where they'd lions and tigers and camels
And old ale, peculier to you.
There were one great big lion called Wallace
is nose were all covered with scars
e lay in a somnolent posture
With the side of is face on the bars.
Now Stephen ad eard about lions
ow they was ferocious and mean
To see Wallace lying so peaceful
Well, it didn't seem right to the old bean.
So straight 'way the crotchety old feller
Not showing a morsel of fear
Took is cane with its 'orse's 'ead 'andle
And bunged it in Wallace's ear.
You could see the lion didn't like it
For giving a kind of a roll
e pulled Stephen inside the cage with 'im
And swallowed the old fart 'ole.
That's simply wonderful! But I don't think he'll appreciate being called an old fart 'ole.
Just re-read it. It's grand. I hope you're around when I bugger off.
Almost fell off my chair laughing, you're good for the soul Jack. Afraid I can't take most of the credit for this one though. It's one of Stanley Holloway's monologues, spoken in thick Yorkshire or Lancashire accent, I can't remember which. 'Albert and the Lion' - just took a few liberties.
I don't however see that you can think it's wonderful that Stephen met his end in such a horrible way, all they ever found were his shoes. Hence the expression 'popped his clogs' JP
One of Stephen's favourites, I might add.
How's this for a start?
Poor old Jack, he's buggered off
To the land of milk and honey,
Followed by ten thousand bears
Who didn't find him funny.
Thanks for the START on a tribute. It really could be fleshed out a bit. I know it's hard to rhyme some of these, but you might consider superlatives such as:
Genius, Brilliant, Witty, Handsome, Considerate, Generous, Prompt (how did that get in here?) ... Oh, and don't forget, Humble!
The problem with having an acerbic sense of humor is that when I am trying to be DRY, it comes off as mean-spirited (which I am not). Then when i'm TRYING to be a prick, people chuckle and say, 'Oh that Jack and his acerbic wit!'.
I think the folks @ emule know me by now.
Thanks again.
Oh, by the way, I have never injured an animal of any kind. The bears have NO sense of humor. I know... I know... you're thinking i'm this big hunter and fisherman. It's a long story.
Your wish is my command, and I know you love animals. JP.
Poor old Jack, hes buggered off
To the land of milk and honey,
Followed by ten thousand bears,
Who didnt think him funny
When he chased them round with pepper spray,
Thats not BRILLIANT for my money.
Though folks remember him quite well
For his WITTY sense of humor,
And others think him HANDSOME,
Though I hear thats just a rumor.
CONSIDERATE and GENEROUS,
With a GENIUS I.Q.
PROMPT but never HUMBLE,
Do we all agree thats you?.
You really SHOULDN'T have! Though some of these are rather left-handed compliments.
I suppose I must confess that my previous statements were not entirely true.
(I'm not really THAT prompt)
This should do the trick. If he comes back at all, it will only be to tell us to piss off!
Lately reported in Blackpool
in a lions' cage he is stuck
Must be some other old fool
cause that place is 'common as muck'
R&R is surely no joke
Our Stephen has never been dumb
enough to be mixin' in a coke
when he prefers rum and rum!
Speakin' of canes an' there 'andles
'orse 'ead or otherwise, mates
'E don't mind the theives an' the vandals
It's droppin' the haiches 'e 'ates
Meself, I thinks 'es gone sailin'
A voice 'as been 'eard in the fog
usually cursin' or wailin'
'Get me outta this flippin' French bog!'
It's a good thing he's not around, or he'd surely call me on the carpet.
'there 'andles'
There, that's better.
I am happy indeed to find it was a case of mistaken identity. I looked through the BT phone book and there are many Stephen Fryers, and as you pointed out Blackpool is frequented by the hoi polloi, not a place you'd likely find him. So............he's stuck with the frogs, huh. I only hope he finds his way out of that marais, or is that morass, before we run out of material. Glad you enjoyed your epitaph, you're gonna need one. You are now qualified to be an 'onorary Yorkshireman, you dropped the requisite amount of 'aitches. JP
Come on the rest of you, the carpet's big enough for all.
All the Lancashire lads on Coronation street drop all the Hs, and stick them on words where they don't belong, like Haiches!
morais, morass the better, as far as he's concerned. It's a cleavage thing.
You are too funny Jack! I just found this one, and seeing as I was 60 last week, found it hilarious, thought I'd share. Now I know that Stephen wasn't being especially endearing when he called me an old trout.
Will I have to be sexy at sixty?
Will I have to keep trying so hard?
Well I'm just going to slump,
With my dowager's hump
And watch myself turn into lard.
I'm not going to keep exercising,
I'm not going to take HRT,
If a toy boy enquires
I'll say, "Hah! Hard luck squire!
Where were you in 73...?"
I'm not going to shave my moustaches,
I'm just going to let them all sprout,
My chins'll be double
All covered in stubble,
I'm going to become an Old Trout!
My beauty all gone and forgotten,
Vanished with never a quibble,
I'll sit here and just
Kind of gnaw at a crust
And squint at the telly, and dribble.
As my marbles get steadily fewer,
Must I battle to keep my allure?
Have I still got to pout
Now my teeth have come out
And my husband has found pastures newer?
Farewell to the fad and the fashion,
Farewell to the young and the free!
My passion's expired,
At bedtime... I'm TIRED!
Sexy and sixty? Not me!
now THAT is pretty dam skippy!
I had completely missed this thread, and though I was nodding off at my keyboard I just had to read every post.
JP, you are BRILLIANT for catching the IP numbers and matching them to good old Jack. You should have been MI6 or something.
Stephen told me last time that we exchanged email that he was trying to get into a creative writing course, and was excited by the prospect. I think that there was also mention of a move, but I can't recall at the moment. I am sure that he is doing just fine.
How's this for a start?
Poor old Jack, he's buggered off
To the land of milk and honey,
Followed by ten thousand bears
Who didn't find him funny.
He signed on simply as "a"
so as not to be mistaken a poet,
but the cunning JP caught him out,
and the truth, we now know it!
Jack is one of us now,
a maker of fractured prose
despite his comments to the contrary,
he's lost that uppity nose.
how's that ya ol' fart?
Dar's my tribute for ya Jack, hope you like!
my head gets boiling when I try to work this one out.
Whatcha mean?
He's back! Now we're in trouble.
Jack claims his isn't a poet, just a writer. That is why he tried sneaking this poem in under an anonymous heading. Check his IP and that of the mysterious "A" and you will see as JP pointed out that they are one and the same. Hehehe
I would never be so presumptuous as to sign on with an 'A'
Stephen come on, sign here, do us a favour and end this thread leading nowhere without your voice! puppy face
silent siren
I'm back, and with a new cane.
Who's first?
So good to hear from you. I was about to put this thread out of it's misery.
Why a new cane? Did your old one smell of pepper-spray?
Ah, that old apostrophe. Still here, I see.
"It's" equals "it is".
You mean "its". Don't you?
Shall we discuss the cane, and its properties? It's time you were taught a lesson, in front of the whole forum.
The nuns taught me that:
its = more than one it
it's = it is
its' = possesive of it when 'it' is the subject.
As far as I know the nuns were never wrong, though I occasionally slip up in iiitttsss application. WHACK! Thank you Sister! May I have another, Sister!?
I remember hanging around after school, to help out old Timmy Quinn (picture Barry Fitzgerald). He was a colorful old fart, who would tell off-color jokes at the drop of a hat. So this one day, I was around 8 or 9, pushing his janitors' trolley through the empty halls, while he threw this odd sawdust compound on slick spots where children had vomitted. We stopped at the janitors' closet (a large high-ceilinged affair) and I said 'Hey Timmy, what's them for?' (or some such) pointing to cases and cases marked 'sanitary napkins'. 'Oh... he stammered... sure, those are for the holy sisters'. To this, I naturally respond in my best disgruntled tone 'Great, and all WE get are those scratchy paper towels!' He burst out laughing so hard, I swear, I thought he was gonna keel over dead.
It's weird what memories pop effortlessly to a choirboy's mind after 40 years!
There's a poem in there somewhere.
Show it!
Jack. Run that one by me again - the version that is <
Maybe I'm just dumb, but when would one use "its" as in more than one it..?
Lady of the Night
Hi Stephen, Good to see you again. You know I would never call you an old fart 'ole, don't you. Jack just doesn't understand the intricacies of the Yorkshire dialect. Maybe he got his fingers stuck in the keyboard and meant 'tis. JP
Per Sister Mary Aurora-
its = more than one 'it'
it's = it is
its' = possesive form when 'it' is the possesive subject
She said it. I believe it. I'm too old to change now.
(besides, she's 88 now, and still hell-on-wheels with a yardstick!)
I suppose you're right. By Yorkshire or Lanchashire standards, Stephen would be considered a middle-aged fart 'ole.
Pardon my slowness, but.... 'ole?
Lady of the Night
Cockney, Lancashire, Yorkshire (blue collar Brits) drop the Hs from lots of words, making a horse 'an 'orse'. So 'ole would naturally be... well, you get the picture.
That's what I thought, but then I guess I hadn't heard the term "fart" used in such way.
Silly brits!
Lady of the Night
Actually, in this case they dropped two letters, the W and H of 'whole', but hole is funnier.
Lol, even still! Fart whole? Silly brits!
Lady of the Night
If you go up a few posts you will see a submission by JP where she takes an old favorite (or favourite, if you will), and alters it slightly to make it appropriate for the subject. It ends with: ...swallowed the old fart 'ole'
meaning that the lion in question swallowed an old fart in one bite (whole).
You know, this stuff isn't nearly as funny when you explain it to death.
Well! Thankyou for finally clearing that up Jack.
Silly Brit.
There was some funny stuff in this one. Mostly at MODERATOR'S expense.
So glad you bumped this up Jack. I had a right good laugh when I got home from work. I think Stephen has probably forgiven us by now.
Forgiven and loved.
Good one.
I laughed my saux off all over again. Stephen's one cool dude, we barely got a rise out of him.
Silly Brit.
bump for vic.
Fantastic entertainment. Albert and the Lion is definately Lancashire.
Why isn't Lancashire on this map? [www.woodlands-junior.kent.sch.uk] />
Second column, sixth one down.
Thanks, Jack, how was I to know they call it Lancs? I found Kent, though.
This was funny all over again.
I have tears in my eyes.
I wonder where the old fart 'ole is?
I loved Stanley Holloway as a youngster.
Remember King 'Arald sitting on 'is 'orse with an arrer stuck in 'is eye?
Lancs and Yorks fought the Wars of the Roses.
JP, these lines from John Lennon made me wonder where it was:
I read the news today oh boy
Four thousand holes in Blackburn, Lancashire
And though the holes were rather small
They had to count them all
Stephen was just here Saturday: [www.emule.com] />
After I'd said Lancashire, I thought I really should check. I found this- [monologues.co.uk] (don't know how to make this into a link) It says that it's an origional recording. Listening closely there are a few words that are definately spoken with a Yorkshire accent, but taken as a whole I'd say very west Yorkshire/East Lancs. They used to change the border all the time though, and there are now quite a few places that are classified as Lancashire that were origionally in Yorkshire. I couldn't find anything to say that Stanley Holloway lived there though?? I heard Albert and the Lion as a youngster, and a few of the others, but not the one you mentioned. Hope you can find the above site. It will remind you of home and of how much your accent has changed!
Turns out I do know how to post a link!!
Thanks Isabella,
But I don't think I ever did talk quite like that - 'e's a bit broad is that 'un.
JP, How long have you been away from home??? If you take away the over emphasis, for the sake of performance, and to slightly force some of the meter, I can hear my Grandma's voice. Even now, It's not that far removed from how people speak! Are there no Yorkshire people or Lancastrians here who could back me up??
On this day...
August 22:
1485 - The Battle of Bosworth Field decisively ended the Wars of the Roses.
And we lost!
Which reminds me of "Richard of York gained battles in vain",a mnemonic we learned in school for the colors of the rainbow
That's better than "Roy G. Biv" !
THere's a shoe store called "Richard York" here on Long Island, but I don't think there's a connection.
Forget the poem that kicks it off, this is one of the funniest threads I've read here.
As I was reading about Lancashire, and the goofy way the Brits pronounce it, I was brung a thought of a day in Greybull Wy when a Zlander sez to a North Carolina boy, "So why is it that 'Louisville is one sylable and shit's two?"
Best part of being a Mormon boy is we only heard the story of Nuns and how they larned folks stuff, with rulers, pointers, etc. We had the two hundred year old spinsters from Albion Normal, who, with a bun on the back of their heads and a glare could turn a sixth grade boy to stone. I know a tanker pilot who graduated from Catholic schools, and has a journalism degree from Notre Dame. My new inkjet prints sloppy compared to Mr. Reifenberg.
Yorkshure is one of my favorites too.
Now is the winter of our dis-con-tent. Made glorious summer by this sun of York. Or Son of York. Or I'll trade my kingdom for a horse,, or I lost my kingdom for want of a horse.
I'm still against tectonic shifting, vampire bats, and Jewish arabs.
Gee Alice, I missed the Roy G. Biv thing. I like your'n better.
Richard of York gained battles in vain.
Ruination of your good booze is vino.
Electronic resisters values..
black, brown, red, orange, yellow, green, blue, violet, gray, white.
Bad boys ruined our young girls, but Violet gave willingly
Let a nag go up a grain elevator
A red indian thought he might eat turnips in church
George-ene's old granny rode a pig home yesterday.
Order of operation in math
Police exhumed my dead Aunt Sally.
(paranthese, exponent, multlpy, divide, add, subract)
Don't forget this one, Terry, for remembering the order of the planets:
My Very Easy Memory Jingle Seems Useful Naming Planets
There are more of these here: [www.flocabulary.com] />
They're getting rid of Pluto, saying it's not a planet anymore.
Must be some legal issue
I suppose they'll nuke it or something to avoid future debate
Yeah, but we're getting 3 new ones, Ceres, Charon and Xena formerly known as UB313: [www.timesonline.co.uk] />
King Henry Died Drinking Chocolate Milk
Kilo - Hecta - Deca - Deci - Centi - Milli
x1000 x100 x10 x0.1 x0.01 x0.001
He did?
This seems rather unlikely
Les, I think they changed their minds again, and we are going back to 8
Pluto (and Charon) would have been included in that definition
Since Clyde was in New Mexico when Pluto was discovered, it will always have planet status in that wonderful state. Actually, last I heard, the committee to present stuff to the board had decided that Pluto was indeed a planet. And Charon 'twere and 'twill always be it's only moon. There is a Tombaugh IMAX theater in Alamogordo,,(Which translates, "Fat cottonwood tree")
To move to NM, one must sign an agreement to believe in the Roswell incident, that there will always be at least nine planets, and that Spanish is the first language of the US of A. ¿Comprende? It´s sad, when I get tired I revert to Spanish. The US forest service doesn´t always know what I just said, which may be a blessing.
do you know that our own moon is the only known body in the universe without a proper name? Well, the moon and JP who is now known as Alice.
No offence please to Bruce, but our three dogs are named, Aurora, Bori, Alice. Aurora and Bori are high strung registered toy poodles,, Alice is a pound rescue mutt who´s father may have been from a good neighborhood. She´s the darling of the bunch.
I tried to learn the continents with a nemonic,, but couldn't remember what order to say AAAAENASA in, so I just learned them in decending order of gross continental product.
Favorite is still KISS... keep it simple, stupid.
Stop orbital mechanics!!!
[www.msnbc.msn.com] />
Gotta be for tax purposes
In my mind Pluto will always be remembered as Mickey's friend.


text:
Contact usMaria Boulos
Director Corporate Relations
WWF International
Email Maria
The WWF is run at a local level by the following offices...
As one of the first conservation partners of WWF, O&M have been committed to raising the WWF profile and brand awareness for many years. O&M not only provide creative services but vital pro bono advertisement placement services to disseminate WWF messages and campaigns.
In this context, they have been able not only to create internal commitment but a global support network of key journals, magazines and TV companies.
Examples of advertising campaigns developed by O&M in the context of the partnership include:
WWF International would like to thank all of these media for their great support!
More on O&M


text:
Locum Sonographer - London
Reference Number: SS160215/2
Job Role: Sonographer
Location: London
Duration: Ongoing
Grade: Band 7
Commencing: 16-Feb-2015
Working Hours: Weekends
Qualifications: PGDip, PGcert, MSc Clinical Ultrasound
Job Details
Our client in London is currently recruiting for a Locum Sonographer to work in a busy NHS hospital, with immediate start.
Candidate must have current competency in 3D & 4D Scanning
- This position is looking to start As soon as possible for an ongoing period
- Position will be Weekends, with a view to work during the week.
- Candidate will possess recent experience in working within a UK-based hospital or a clinic.
- A positive work attitude and the right motivation for the job.
- Enhanced DBS check
- Full occupational health records
- Must be NHS compliant as per our CCS/LPP/HTE contract terms
- Appropriate professional qualification in Ultrasound
- Must be capable of scanning and reporting independently
Call us for information on our referral bonus of up to £500
Sonographers Medical is a major Healthcare recruitment agency registered with The Crown Commercial Services CCS, London Procurement Programme, for the recruitment of both AHP & HSS and Non-medical Non-clinical staff. We have existing contracts, throughout the UK. We are able to provide you with all available vacancies throughout the UK. You could earn £500 by just referring a friend or colleague who completes the registration process and commences work with Sonographers Medical in a temporary or permanent position T&C's apply.
Details on this and all other available jobs, please contact us either by telephone on 020 8551 1299 or email, email@example.com
Job Alerts – Register online at www.sonographersmedical.com to receive live job alerts for your profession.


text: Want to collaborate with colleagues on campus or in Cleveland or Cairo? Are your students working on group projects? Want to serve on committees with fewer meetings? Technology can help manage the details of circulating documents and collaborative writing--among your students and with your colleagues. Some general principles include: sharing documents, commenting and discussing drafts, making sure everyone is looking at the right version of the document, and managing permissions. We will learn all these as they apply to the Technology Services Wiki in particular, and also discuss a number of different technologies including Microsoft Word and other editors, Illinois Compass 2g, the Campus Wiki, and Box.net, Google Docs, and more.


text:
Jul 7, 2008 at 9:51 pm
I miss texas, I was born in del rio, lived closed to houston during the Urban Cowboy boy era!!!!!
Mar 18, 2008 at 10:55 pm
Nice truck and great job representing this fine state of ours.
Mar 9, 2008 at 3:32 pm
texascwgrl has not posted to her car garage blog.
Log in to post comments.


text:
At Bank of Hawaii, your thoughts and ideas count. That's why we put together a team dedicated to listening to your thoughts and suggestions. We take pride in having the best people to assist you, and we believe our customers are the biggest inspiration in coming up with ways to serve you better. After all, your thoughts will make a difference.
* indicates required field


text:
Officials sought the public's help Thursday in tracking down a Cudahy man accused of abandoning his SUV and running after crashing into a Whittier Boulevard bust stop and seriously injuring two pedestrians, leaving one of them pinned beneath the vehicle.
Pedro Velasquez was believed to be behind the wheel of a white GMC Yukon involved in Wednesday's 5:18 p.m. crash at Whittier and Atlantic Boulevards, California Highway Patrol officials said. His age was not available.
A 31-year-old Los Angeles woman and a 56-year-old Valley Center man suffered major injuries in the crash, officials said. Updates on their conditions were not available Thursday.
The SUV was traveling east on Whittier Boulevard at an unknown speed when it crossed into opposing traffic lanes and struck the northeast curb line at Atlantic Boulevard, striking the 31-year-old woman as she walked on the sidewalk, CHP Officer Gerard Diaz said in a written statement.
"The Yukon continued out of control on the sidewalk and collided into a Metro bus stop shelter," Diaz said. A 56-year-old man, who was sitting on the bus stop was struck.
"The Yukon came to rest with the male trapped under the Yukon," Diaz said. He was freed from the wreckage by Los Angeles County firefighters, and both victims were hospitalized with major injuries.
The driver of the SUV, later identified as Velasquez, got out of the Yukon and ran from the scene, officials said.
"Witnesses also reported observing the suspect fleeing with a child or infant in his arm," Diaz said.
Anyone with information was asked to contact the East Los Angeles office of the CHP at 323-980-4600. After hours, the CHP can be reached at 323-259-2010.


text:
From ForensicsWiki
>Foremost's authors have recommended that practitioners use Scalpel instead of Foremost. I think this was in the past, but foremost is still being maintained and developed and may yield even better results than scalpel today. --Jr 14:58, 18 April 2009 (UTC)
- As one of the original developers of Foremost I'm curious why you think it's better than Scalpel. The last update to Foremost was in October 2008. As far as I know Nick Mikus would be the only person maintaining it. Perhaps you should ask him what the status is. Jessek 17:53, 20 April 2009 (UTC)


text:
- ilmu ekonomi deskriptif,yaitu ilmu ekonomi yang memaparkan secara apa adanya tentang kehidupan ekonomi suatu daerah/Negara pada suatu masa tertentu,misalnya produksi beras di jawa timur tahun 2009,Tingkat harga gula di Indonesia tahun 2009
- ilmu ekonomi terapan,yaitu bagian ilmu ekonomi yang membahas penerapan teori ekonomi dalam suatu rumah tangga produksi,misalnya ekonomi perbankan,ekonomi perusahaan,ekonomi moneter.
- teori ekonomi adalah ilmu ekonomi yang menganalisis tentang hubungan antara variabel ekonomi,misalnya pengaruh kenaikan harga BBM terhadap kenaikan harga hidup,pengaruh tingkat pendapatan terhadap pola konsumsi seseorang.
Ilmu ekonomi mikro mempelajari ekonomi secar individu,misalnya perilaku konsumen dan produsen.
Analisis ekonomi mikro terbagi:
- teori harga; antara lain membahas tentang proses pembentukan harga, factor-faktor yang mempengaruhi perubahan permintaan dan penawaran, hubungan antara harga permintaan dan penawaran, bentuk-bentuk pasar, konsep-konsep elastisitas permintaan dan penawaran dan sebagainya.
- teori produksi; antara lain menganalisis tentang masalah biaya produksi,tingkat produksi yang harus di pilih oleh produsen agar tujuan mencapai laba maksimum tecapai
- teori distribusi; antara lain membahas tentang factor-faktor yang menentukan tingkat upah tenaga kerja, tingkat bunga yang harus di bayar karena penggunaan modal, dan tingkat keuntungan yang diperoleh para pengusaha.
Ilmu ekonomi makro mempelajari perilaku masyarakat (Negara/bangsa) dalam memenuhi kebutuhannya(masalah agregat). Awal mula lahirnya ilmu ekonomi makro diawali dengan munculnya buku yang dikarang oleh John Maynard Keynes yang bejudul The General Theory of Employment,interest,and money, yang berisi sebagai berikut" The General Theory of Employment, Interest and Money" was written by the British economist John Maynard Keynes. The book, generally considered to be his magnum opus, is largely credited with creating the terminology and shape of modern macroeconomics. Published in February 1936 it sought to bring about a revolution, commonly referred to as the "Keynesian Revolution", in the way economists thought – especially in relation to the proposition that a market economy tends naturally to restore itself to full employment after temporary shocks. Regarded widely as the cornerstone of Keynesian thought, the book challenged the established classical economics and introduced important concepts such as the consumption function, the multiplier, the marginal efficiency of capital and liquidity preference.
Although The General Theory was written in the aftermath of the Great Depression and was taken by many to justify the assumption by government of the responsibility for the achievement and maintenance of full employment, it is for the most part a highly abstract work of theory and by no means a tract on policy. Its full meaning and significance continues to be debated even today. As a book, it is a difficult read for a modern student of economics, although it is enlivened by some brilliant rhetorical passages, including the description of the stock market in Chapter 12 and the concluding chapter 24 on the (rather tentative) policy implications Keynes derived from his theory.
Contrary to popular belief, Keynes was by no means the first to advocate public works or deficit spending in a depression, but his book provides the theoretical framework within which temporary measures like the New Deal can be justified against the "Treasury View" that public borrowing simply crowds out private investment so that government should always balance its annual budget. Keynes himself placed equal emphasis on redistributive taxation and a monetary policy of 'cheap money' as well as fiscal policy, and he did not believe governments should run deficits for current consumption, as opposed to public investment. The book provides the basis for a longer term commitment to the welfare state but Keynes was by no means a socialist in the usual sense and did not advocate big government for its own sake.
The central argument of the book is that the level of employment is determined, not by the price of labour as in neoclassical economics, but by the spending of money (aggregate demand). He argues that it is wrong to assume that competitive markets will, in the long run, deliver full employment or that full employment is the natural, self-righting, equilibrium state of a monetary economy. On the contrary, under-employment and under-investment are likely to be the natural state unless active measures are taken. Although few modern economists would disagree with the need for at least some intervention, policies such as labour market flexibility are underpinned by the neoclassical notion of equilibrium in the long run. One implication of The General Theory is that a lack of competition is not the fundamental problem and measures to reduce unemployment by cutting wages or benefits are not only hard-hearted but ultimately futile. Keynes does not set out a detailed policy program in The General Theory, but he went on in practice to place great emphasis on the reduction of long-term interest rates and the reform of the international monetary system as structural measures needed to encourage both investment and consumption by the private sector.
Just as the reception of The General Theory was encouraged by the 1930s experience of mass unemployment, its fall from favour was associated with the 'stagflation' of the 1970s. Although Keynes explicitly addresses inflation, The General Theory does not treat it as an essentially monetary phenomenon nor suggest that control of the money supply or interest rates is the key remedy for inflation. This conflicts both with neoclassical theory and with the experience of pragmatic policy-makers. Furthermore the main Keynesian prescription for inflation, incomes policy, has lost credibility.
However, many of the innovations introduced by The General Theory continue to be central to modern macroeconomics. For instance, the idea that recessions reflect inadequate aggregate demand and that Say's Law (that supply creates its own demand) does not hold in a monetary economy. President Richard Nixon famously said in 1971 that "We are all Keynesians now" (ironically, shortly before Keynesian economics fell out of fashion), a phrase often repeated by Nobel laureate Paul Krugman."
Buku ini merupakan landasan dari ekonomi makro pada saat ini. Dalam buku tersebut, Keynes berpendapat bahwa pengangguran dapat terjadi dan berlangsung dalam waktu yang tidak terbatas.
Aspek analisa ekonomi makro:
- pendapatan nasional
- neraca pambayaran dan kurs valuta asing
- kesempatan kerja
- inflasi
- pengangguran
- investasi
- pertumbuhan ekonomi
- suku bunga perkembangan pasar saham
sumber: http://rochmadnurdin.wordpress.com/2010/02/20/permasalahan-ekonomi-mikro-dan-makro/dalam http://adypato.wordpress.com/2010/05/12/permasalahan-ekonomi-mikro-dan-makro/


text:
|Saucony Kinvara 3
Saturday, March 17, 2012
Oh yes, again
10 comments:
I can't wait for these to come out!!!ReplyDelete
So JEALOUS.ReplyDelete
Those are some good looking shoes!ReplyDelete
Hilarious. Considering you get more free stuff for not writing, you've somehow gone so far beyond selling out that there's no name for it. Cheers!ReplyDelete
good lord. I'm done.ReplyDelete
oh man I love those shoes. I'm on my second pair of Kinvaras. I heart them.ReplyDelete
That HAS to be one of the coolest notes you have ever received. Looking forward to reading your review.ReplyDelete
I get weird heel pain with the Kinvara and Cortana and I really wanted to like these shoes. Anyone else?ReplyDelete
so by "next week" you apparently mean "next year, maybe"?ReplyDelete
I'd stop checking but you are always so entertaining, I'd hate to miss the moment when you actually post something.
Please note: If this post is more than a week old then Comment Moderation has been turned on and your comment may not show up immediately.


text:
365Trucking.com & TruckStockImages.com Providing Royalty Free Trucking Images
Need year round engaging content? Need to reach Drivers, Owner Operators or increase your footprint in the Trucking industry? Own a Truck Show or you're a major sponsor at a Truck/Trade show? Learn more here and possibly get one free year one year subscription to TruckStockImages.com
The search bar is not an intelligent search. It is an EXACT search. Single word searches typically work fine. Example: Schneider will work just fine. Multiple words can cause problems. If you're looking for JB Hunt you may want to try "JB Hunt" or "JBHunt". XPO You may to try XPO and XPO Logistics. Sorry about the exactness of the search criteria. You can also search by folder below. More search tips here "Search Tips"
1 / 109
18 Wheeler365Trucking.comBig RigCarriersCommercial VehicleFreightHeavy EquipmentImageInterstateMicrostockNEFPhotoRAWShippingStock PhotographyStock ImageTractor TrailerTrailerTransportationTruckStockImages.comTruckinghighwayracing haulerroadrocky mountain atv mcsemitransporttruckworcs4575924058


text:
No products
Check out
Code: 128
Stock available: In stock
Delivery time: 24 hours or pick-up from Bucharest store
Warning: Last items in stock!
Availability date:
This product is not sold individually. You must select at least 1 quantity for this product.
Etichete direct termice
1000 etichete pe rola.
Be the first to write your review !
56 x 25 mm Sticker Label Rolls Direct Thermal (1000 labels/roll)
* Required fields
Send Cancel
- Free delivery for service contract subscribers or for orders 100 RON + (any products).
Starting with 2002, tens of thousands of companies inside and outside Romania have chosen the Sedona services.Our friendly, experienced staff turns the acquisition of fiscal equipment into a pleasant, relaxing activity.
Read more
To be informed about the latest news in the field subscribe here:
Newsletter archive
Copyright and intellectual property rights
All the images and texts contained in the www.aparaturafiscala.ro website are the propriety of S.C. SEDONA ALM and are protected by the Romanian copyright law.
The users of this website can access the content previously mentioned for personal use. The reproduction, copying, multiplication, selling or using this content without prior consent of S.C. SEDONA ALM, owner of the www.aparaturafiscala.ro website, break the current copyright and intellectual property laws in Romania; therefore, such actions will imply civil or penal liability.
Sedona`s working schedule on the 24th January - Romanian Unification
Bucharest headquarters: 9:00 - 18:00 (Normal schedule)
Constanta headquarters: Closed
Service staff is reduced, which could result in a longer response time by phone.
Thank You


text:
RICHMOND, B.C. – Mounties believe four people injured in Metro Vancouver's latest shooting were targeted, but the violence at a Richmond, B.C., gathering on Wednesday night is not being linked to other recent deadly attacks.
"There is no information to suggest that this is related to anything out of the events that have occurred in the Lower Mainland in the last week," said RCMP Insp. Bryon Massie.
He said two men have critical injuries and two others were being treated for less serious gunshot wounds in the wake of the shooting at around 9 p.m. at the Riverside Banquet Hall in northeast Richmond.
One unidentified eyewitness told radio station News1130 that one person was shot in the neck during an argument and three people who tried to intervene were also shot.
Another witness said he heard around eight shots being fired during what police described as a birthday party, but some of those in attendance said was a gathering of the longshoreman's union.
Massie said the scene in the hall was chaotic when police arrived and a transit bus was called to take many of the estimated 100 witnesses to the detachment for further questioning.
He also told radio station CKNW that only a single shooter was involved and he believed Mounties were not actively searching for a suspect.
"I don't believe thay are, but again the investigation is just in the very early stages," said Massie.
"In order to know who you are looking for you have to interview witnesses, and even the victims themselves, so then we will go from there to start looking for anybody."
Police in neighbouring Surrey are investigating three targeted shootings that have claimed four lives in that city since Sunday.
Homicide teams identified known gang associate Manjinder Singh Hairan, 29, as the man shot to death early Tuesday morning in a north Surrey neighbourhood.
The attack came just 36 hours after a double murder in a Surrey apartment garage left John McGiveron and Geordie Carlow, both 33, dead of gunshot wounds.
Just hours before that Jan. 13 incident, police said Manjot Dhillon was the victim of a targeted, gang-related hit, but investigators have not linked any of those crimes and note the Richmond shooting is unrelated.


text:
Posted by Justine_Henderson 69 days ago (https://www.nuggetglobal.com)Use a Press Release to promote your business, to build your brand and to enhance your credibility. If you wish to promote, announce or launch a product, service, or event etc., you should consider having a press release.
Category: News |
Category: News |
Discuss Bury


text:
Holden, a young man who wakes up from a coma after 12 years, discovers new abilities that propel him into the middle of a dangerous conspiracy!
Share page
Titles, characters and all other elements are the trade marks and copyright of TVNZ or its licensors. All rights reserved. Further details available here.


text:
Georgia's Booker T. Washington
William Merida Hubbard wasn't Booker T. Washington. But, he is as close to the iconic educator as the State of Georgia, and especially Central Georgia, ever had. William was born into poverty and died one of the wealthiest men in the state. His wealth was not measured in the thickness of his wallet or the digits in his bank accounts, but by the thousands and thousands of students who were given opportunities to learn a trade through is undying devotion to education.
William Merida Hubbard was born in Wilkinson County, Georgia on July 19, 1865, just months after the end of the Civil War. His parents, Edinboro and Betsy Hubbard, both natives of Virginia, worked as slaves until they received their freedom after the end of hostilities.
From his earliest years, William yearned to learn. Living in the South in the decades following the war was not easy for any family, black or white. Black farmers were relegated to inequitable share cropping or rent agreements. Getting ahead was impossible. Getting by was wonderful. William toiled on farms, often earning as much as six dollars a month, to finance his tuition at Ballard Normal School in Macon. William worked hard in his studies. Success came soon and often, despite the need to constantly keep working at odd jobs to stay in school.
William Hubbard began his educational career by teaching two terms at Calvary Hill School near his hometown of Irwinton. Professor Hubbard graduated from Ballard School in 1891 and entered Fiske University in Nashville, Tennessee.
Before his graduation from Fiske, Hubbard taught three terms in Monroe County, Georgia and a single term in Jacksonville, Florida. After his graduation from Cornell University, Professor Hubbard taught in Cuthbert, Georgia for four years before finally settling down in Forsyth, Georgia, where he found the ideal place for his wife, the former Mollie Helena Worthy, who frequently suffered from ill health.
Although Hubbard was trained as an educator, he attempted to make a living at photography, a rare occupation for a young black man at the turn of the 20th Century in the rural South. Adequate schools were rare in the poor regions of Middle Georgia for either of the races. So in the mean time, William Hubbard took pictures to support his family.
In 1902, a minister and several friends encouraged William to return to teaching. The minister of the Kynett Methodist Church arranged an agreement whereby Hubbard would teach seven students in exchange for allowing him to maintain his photographic gallery in the basement of the church. Described as a "shabby, forlorn building with holes in the floor and more wind inside than out," Hubbard's first school would eventually, with the aid of generous white citizens of Forsyth, became the Forsyth Normal and Industrial School in a meager building on ten acres of land. In the early years, Professor Hubbard worked day and night, often performing most of the duties and spending his own meager money to keep the school open, all on a salary of five to six dollars a month.
Hubbard's primary mission was to educate the black youth of Monroe County to become teachers. The school, after adding 10th and 11th grade classes, was accredited in 1917. In the following year, the Forsyth school became the State of Georgia's first vocational school for African-American students. That same year, Professor Hubbard and his students were saluted for doing their share to win World War I. The students maintained 35 mini-farms and raised two hundred head of hogs and several hundred chickens in support of the war effort.
The Georgia legislature enacted a law in 1922 to make the Forsyth Normal and Industrial School the state's School of Agriculture and Mechanic Arts for the Training of Negroes. Five years later, the school officially became a junior college. The elation of that distinction was dampened by the total loss of the main building in a fire.
In 1931, the State of Georgia changed the name of the school to State Teachers and Agricultural College for Negroes, one of the three state colleges for African Americans in the university system. Many of the teaching graduates were sent to positions in the Rosenwald schools in the state.
Hubbard sought out donations and began a bold building program. By the mid 1930s, the Hubbard Alumni Association records show that several brick buildings were completed, including an auditorium, the president's house, an administration building, gymnasium, and home economics buildings as well as adequate dormitories.
State Teachers Agricultural College was closed in 1938 and was effectively merged with the nearby Fort Valley State College. William Hubbard continued to work at Fort Valley State as a director of public relations until his last illness.
The facilities were turned over to the Monroe County School system. Samuel Hubbard, William's son, carried on his father's legacy until the early 1970s. Today, most of the school's buildings are gone, but the Hubbard Alumni Association continues to honor the undying legacy of the school's founder. The Alumni Association and the Monroe Board of Education helped to establish a museum and cultural center in the former Women's dormitory. The museum and the old teacher's cottage were placed on the National Register of Historic Places in 2003.
William and Mollie Hubbard had six children, Dr. Leola Peoples, Maceo Hubbard, Ruth Hubbard, Samuel Hubbard, Ruth Birchette, and Clifton Hubbard.
William Merida Hubbard died on March 22, 1941. Seven weeks after his death, Fort Valley State held a memorial service in his honor. In attendance was Georgia governor Eugene Talmadge, who paid tribute to Hubbard as "a man of sincerity and simplicity who always honored his obligations." Talmadge saluted Hubbard's work in advancing education of Negroes and called for more educators like him. Two of Fort Valley State's newest male dorms, which cost students a monthly rent of seven dollars, were dedicated in Hubbard's honor during the ceremonies.
William Merida Hubbard overcame the obstacles in his way for all of his seventy years on earth. A devout Christian who desperately attempted to devoid himself from politics, William Hubbard kept his faith in the precious abilities of the human mind and triumph of a good education.


text:
New GF Manor is one year away from reality
Follow us on Twitter at @AdvocateTribune
The City of Granite Falls broke ground on a new nursing home this past Tuesday in a front of a crowd of community well-wishers. "We are very pleased to get to this point and be able to break ground after three years," said Hospital General Manager and CEO George Gerlach. "It will be a facility that the community will be proud of and that residents will want to live in."
Gerlach offered a brief speech before hospital staff and board members joined representatives of Tremain Architects and Planning, of St. Paul and Kraus-Anderson Construction in donning hard hats and tossing piles of earth to the air, to kick off construction of the $8.41 million, 48,000 square foot facility. Located adjacent to Granite Ridge Place on the east side of town up on an 8.1 acre plot of land, the project will also include roughly $1.5 million in new street and utilities developments to the site on East Jordan Drive
Financed through USDA Rural Development, the project will replace original structures that date back to 1948 and 1959. That 57-bed nursing home was deemed "obsolete" in two separate facility studies that were implemented in 2002 and 2011.
Employing a modern, more cost efficient, single floor layout the new 48-bed manor plan goes to great lengths to address desires for more space and privacy while also featuring an array of additional upgrades amenities that would allow nursing home staff to cater to needs of most any type of patient.
According to Tracy Pogue, director of business development for Kraus-Anderson the official start of construction will begin on or before September 25, and be completed roughly one year after the start date.


text:
Press Releases
Hardee's puts the "Hardee" back in breakfast
Feb 1, 2011
ST. LOUIS, Mo. – January 31, 2011 – The breakfast options at most fast food restaurants are often little more than snack-sized, so Hardee's® is stepping up to help America kick off the day with a "real" meal. Introducing the Hardee Breakfast Platter™, complete with eggs, two strips of bacon, Hash Rounds® Potatoes and a Made from Scratch Biscuit™ covered with sausage gravy. It's a full country breakfast that will keep you warm during these cold winter mornings.
"Hardee's has many breakfast classics on its menu, and people often mix-and-match them to get the best of everything," said Brad Haley, executive vice president of marketing for Hardee's Food Systems. "Well, now we've done that for them with the new Hardee Breakfast Platter. It's got it all: eggs, bacon, potatoes, a buttermilk biscuit and sausage gravy. Normally, people would have to go to a sit-down restaurant or a breakfast diner to get a meal like that and would end up paying a lot more. Our new platter is, indeed, a 'Hardee' breakfast for people with hearty appetites on a budget"
The new Hardee Breakfast Platter is available at participating restaurants for only $2.49. Prices may vary by location.


text:
Giant shave kits don't make sense when packing light and you can't keep using that plastic bag. It's just embarassing. Enter the Topo Dopp Kit. The triangular shape allows it to sit upright on small hotel shelves and provides easy access to everything you need. The size is small enough for the travel light crowd but roomy enough to hold all you'd need to stay looking good on the road.
The pack cloth lining is water resistant making cleaning a snap. Wrist strap makes it easy to carry – even when finding the shared restroom down the hall at night.
All of Topo's dopp kits are handmade in their LEED Certified shop in Colorado.
"Great toiletry bag! Great bag, description as described on site."
"Unique design and quality materials. The unique triangle-style design is a highlight with this case. It allows you to sit it flat, while accessing and viewing the contents of it in an upright position. The bright yellow lining is perfect for seeing your items easily, even in low light environments. Quality materials from topo designs."
"Excellent toilettry bag. I travel a lot and i\'ve been looking for this bag for a long time!"
"Solid product. Quite spacious and the triangular design does prevent tipping issues while allowing easy access. Great coloring scheme where the red just adds a bit of pop to the somber navy blue."


text:
Browse By PC Games Title:
Dust - A Tale of the Wired West
Cheat Codes:
These MUST be done in the correct order
The order is the same as that in which
they appear in the book...
1. The Flute:
Stand in front of the hallway marked winter.
Click on the dias, and align the symbols for
winter, then the crescent moon with black on
the left, and finally the picture of sunrise.
Now go down the winter passage. You should come
to a room where all you can do is click on a small
pillar in the lower right of your screen. Click it.
Place the flute in the hole. Then, you must play
the right sequence to cross the chasm. 3,5,2,4,1
I'm pretty sure....it's easy to figure out.
2. The Dagger:
Stand in front of the hallway marked summer.
Click on the dias, and align the symbols for summer,
the black moon, and the noon sun. Now go down the
summer passage. You should come to a room with a
serpent at one end. When you are just inside the door,
turn around. Click on the obvious button to the right
of the doorway.
Now for the trickiest puzzle. Notice first that the
button is labeled with the symbol for "echo."
Aha you say, easy! A quick and easy way to do it is
available. Write down how many times each disc turns
clockwise. Now subtract each of these numbers from 6
to obtain seven new numbers. (if a disk does not move,
don't move it, it's just simpler that way).
With the seven new numbers, turn each disk clockwise
the same number of times as its corresponding number.
When turning the center disk, it should finally become
the right pattern. Now press the button on the right
3. The Mask
Stand in front of the hallway marked fall. Click on
the dias, and align the symbols for fall, the crescent
with black to the right, and the crescent sun.
Now go down the fall passage. You should enter a
maze/mine. Use the mask, by selecting it in your
inventory, to guide you. Its eyes will glow red, and
it will nod in the direction you should turn each time
you approach an intersection. Once you find the skeleton,
put the mask on its face.
4. The "Silver Turkey," or Evil Sky
Stand in front of the hallway marked spring.
Click on the dias, and align the symbols for spring,
the full moon, and the sunrise. Now go down the spring
passage. You should come to a room with a pillar in
front of you. Click on the pillar and place the "silver
turkey" into the obvious spot. The correct combination
reads, from left to right, "mesa" "bird" "open" "evil"
Once these four are accomplished, *in this order* you
should be able to talk to the man with the funny headgear
that you should have seen walking away following each of
the accomplished tasks.
Easy money:
Get all of your money, then save the game. Go to the saloon then find
the blackjack table. Bet all of your money. If you win and double your
money, save the game and repeat. If you lost, exit the game and reload
the game prior to where you gambled, then try again.
Hidden message:
Look around the town when you first arrive. On a wall, you can see the
message "Macintosh is a bitc*" (with "bitc*" blurred out).
NEW Version CheatsBook DataBase 2015
CheatBook DataBase 2015
is a freeware "cheat-code tracker" that makes hints Tricks and cheats (for PC, Walkthroughs, PSP, Sega, Wii, Playstation, Playstation 2, Playstation 3, Nintendo 64, DVD, Gameboy
Advance, Gameboy Color, N-Gage, Nintendo DS, XBox, XBox 360, Gamecube, Dreamcast, Super Nintendo) easily accessible from one central location. All Cheats inside from the first CHEATBOOK january 1998 until today.
More Infos
2001-2015 Cheatchannel.com | Privacy | Message Boards