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GH3423, Revised June 2009
A home is probably one of the largest purchases you'll ever make. To protect this investment, you need to buy insurance. Mortgage lenders usually require homeowners to have adequate homeowners insurance. Even if you rent a place to live, you will want to buy a policy designed for renters that covers both your liability and personal belongings.
Homeowners and renters insurance are combinations of property insurance and liability insurance. The property portion of homeowner policies provides protection for loss or damage to your house and other structures on the property, as well as your personal property. Renters insurance covers loss or damage to your personal property. The liability portion of each policy protects you from having to pay for another person's injury or damaged property when you are held responsible.
To understand homeowners insurance, you need a basic understanding of insurance in general. Insurance is a partnership between you, others like you and an insurance company. All partners share a risk (the potential for injury or financial loss), and each individual pays in a sum of money (the premium) to a fund or "pool" held by an insurance company. That pool of money is then used to pay anyone in the group who suffers a covered financial loss.
Insurance is one of four ways commonly used to manage risk:
Some companies write their own homeowner policies, but most use standard forms developed by a company called ISO. This makes it easy to compare policies from company to company. They range from HO-1 to HO-8, but not all types are offered in every state. Policies are written in one of two ways:
HO-2 (Broad Form) covers 18 specified perils (the cause of a loss) that can lead to damage. Examples of coverage are damage or loss from fire, theft, windstorms or vandalism.
HO-3 (Special Form) provides protection on the structure for all perils except those specifically excluded, such as flood, earthquake, neglect, war, or nuclear accident.
HO-4 (Renters Contents Broad Form) is commonly referred to as renters insurance. This provides protection for the renter's household contents and other personal belongings. It also covers extra living expenses, liability coverage and medical payments.
HO-5 (Special Form) is offered by some companies. It covers everything included in HO-3 policies, as well as providing additional coverage. Review the policy to find out specifically what is included.
HO-6 (Condominiums) insures condominium owners for personal property losses and additions that the condominium association may not cover. It typically covers all perils included in an HO-2 policy. Before purchasing a condominium, clarify what the condominium association's insurance covers, and what would be your responsibility.
HO-8 (Actual Cash Value) is designed for older homes where the replacement cost would be much higher than the market or actual cash value of the home. This type of insurance is sometimes called market value, modified or older home coverage. These policies specify that the home would be returned to a livable condition with commonly used materials. For example, a well-preserved historical home might include beautiful woodwork, imported marble or other unique features that would be extremely expensive to replicate. With this type of coverage, the home would be repaired or replaced using more common, less expensive materials.
To decide how much coverage you need, be sure you understand the difference between actual cash value coverage and replacement value coverage.
Actual cash value coverage costs less than replacement value coverage, but the difference in cost is not as great as you might think. Actual cash value coverage is based on the depreciated value of items. With this type of coverage, the insurance company will only pay you what each item is worth today. For example, a 10-year-old television would only be worth a few dollars compared to a new one. If you need to replace items, an actual cash value policy provides enough money from your insurance company to buy items in similar condition at garage sales or secondhand stores instead of buying brand new items. This could leave you with a lot of out-of-pocket expenses if you have a loss.
Replacement coverage provides enough money to replace, repair or rebuild the property with new items. The total the insurance company will pay is usually limited to the face value of the policy. Many companies also offer extended or modified replacement coverage. For an additional cost, the company will pay to repair or rebuild the home, even if the total exceeds the face value of the policy, up to a maximum of 20 percent to 25 percent above the face value of the policy. Replacement coverage usually requires that you actually replace the property before the insurance company will pay the full amount. Until the property is replaced, they will typically only give you actual cash value.
Table 1. Homeowners insurance policies (? denotes coverage provided by that policy)
NoteFlood and earthquake damage is not covered by any of these policies. See homeowners insurance for special needs for more information.
Most policies contain two main sections: Section 1 (Property Coverage) and Section 2 (Liability Coverage). Here's a closer look at what's included in each section.
Section 1 – Property Coverage
The dwellingThis includes the house itself and any attached structures, such as a porch, garage, or carport. Some policies will even pay for damage to trees and shrubs under certain circumstances.
Other structures on the propertyIn insurance language, these may be called appurtenant structures. These include detached buildings, such as a separate garage or storage shed. Check the policy to make sure there is enough coverage for the building(s). Typically, a percentage of the coverage on the house is assigned to detached structures. This may not be adequate.
Personal propertyThis includes items such as your furniture, appliances, clothing and other personal belongings. This property is usually covered whether it is in your home or if you have it with you when away from home. Most companies cover personal property up to 50 percent of the value of your house. Some policies go up to 65 percent to 75 percent. For renters insurance, you buy the amount of insurance needed based on the value of your personal possessions. Most policies have limits on the amount of coverage for specific items such as jewelry, hunting equipment, electronic equipment, collections, etc. You may be able to purchase extra coverage for these items at an additional cost. This coverage would be attached as an endorsement or rider to your policy, and is known as a floater.
Additional expensesThis type of coverage applies if your house is damaged by a covered peril that prevents you from living there until repairs can be completed. If you have to live somewhere else, the insurance company will pay for necessary living expenses (hotel/motel and meals) beyond your normal budget. There is a limit on the amount of additional expense coverage provided.
In addition to living expenses, coverage is often provided for items such as debris removal, fire department service charges, trees and shrubs or loss of food in a refrigerator or freezer due to a power outage. Be sure to read the policy to find out exactly what is covered.
Section 2 – Liability Coverage
Personal liabilityThis coverage provides protection if other people are injured on your property or for damage you cause to their property. The coverage usually includes damage done by you, members of your family and even family pets. It's important to note, though, that some pets, such as certain breeds of dogs, are considered high risk and could be excluded from coverage under standard homeowners insurance policies.
Standard policies may not always provide enough liability coverage. You can usually increase the coverage through your homeowners insurance, or you may want to consider purchasing what's called an umbrella policy. An umbrella policy covers liability losses that are larger than those covered by standard homeowners, auto or professional liability insurance policies. To purchase an umbrella policy, you must carry the basic coverages and have your homeowners and auto insurance with the same company.
Some items are not typically covered by the liability portion of a homeowners insurance policy. These include use of the home for business purposes, employees, and property you rent to someone else. There are other forms of liability insurance policies, such as professional liability insurance, that cover those types of losses.
Medical paymentsThis pays for medical services needed when people suffer minor injuries while on your property without having to prove who was at fault. This does not include trespassers or family members. Medical services for injuries to others that occur away from your property may also be covered (if you are held liable for those injuries).
The amount of homeowners insurance coverage you carry should be equal to or close to the cost of replacing your home if it is totally destroyed. Policies usually require that the home be insured for at least 80 percent (or 100 percent with some companies) of the current replacement value of your home. If your coverage falls below the 80 percent (or 100 percent) level and you have a partial loss, the insurance company will pay only a percentage of your claim even though the face value of your policy is more than enough to cover your loss.
Review your policy on a regular basis (at least once a year) to make sure you don't fall below the required level of coverage. Include any improvements or recent purchases that add value to the house. Also consider increased costs of replacement. Some companies provide a low-cost "inflation guard" that periodically increases the amount of coverage on your home. Even if you have this inflation protection, be sure your coverage keeps up with the appreciated value of your home.
Don't forget your household inventory. An up-to-date inventory can help you decide how much coverage you need for your personal property. List the date of purchase, original cost, present condition and other relevant information (such as serial numbers) about each item. This information helps you decide the total value of the personal property. If you have some particularly valuable items or collections, read the policy to be sure you have enough coverage to pay for their loss. If not, then ask about additional coverage for those items.
Flood insuranceLocation is an important consideration when buying a home. Many homeowners do not know that standard policies do not include damage from rising water. If the property is located in a flood plain (an area with a history of flooding), you may be required by the mortgage lender to purchase flood insurance (such as anyone with a federally backed home mortgage in a high-risk area). Whether or not it's required, flood insurance is a good idea if the area is prone to flooding.
Flood insurance coverage is provided through the National Flood Insurance Program (NFIP). They have arranged with private insurance companies to sell and service flood insurance policies. Your agent or company can help you find this coverage. You can also visit the NFIP website, http://www.floodsmart.gov/floodsmart/, or call 888-379-9531 for more information.
Earthquake insuranceEarthquake damage is typically excluded from homeowners policies. If you live in an area that could be affected by earthquakes, you may want to consider a special endorsement (an amendment or addition to your basic policy) to cover earthquake damage.
FAIR plansFair Access to Insurance Requirements (FAIR) Plans were created for people who own property considered "high risk." Limited insurance coverage, as well as limited crime coverage, is provided for property that may not be able to qualify for traditional insurance. These plans are operated by the insurance industry. In Missouri, the Missouri Property Insurance Placement Facility handles the plans. Premiums are usually higher, so consider this option only if you cannot get traditional coverage. For more information, contact the Missouri Property Insurance Placement Facility, 906 Olive Street, Suite 1000, St. Louis, Mo. 63101, 314-421-0170 or 800-392-7240, missourifairplan.com/.
You're ready to go shopping. But where do you begin? Should you go to the agent you or your parents have always used? Should you check out other companies? What about offers you receive in the mail or see on television, in newspapers, or over the Internet? How do you figure out which is the best coverage, with the best service, at the best price?
Start by considering the financial strength of the companies and their reputations for timely, fair and reasonable settlements. Here are some good sources of information:
Compile basic information about the property. Include the address, materials the house is made of (such as wood or brick), square footage, number of rooms in the house, type of heating, distance from the nearest fire station or fire hydrant, etc. This will make it easier to compare policies and prices from different companies because they will be basing their quotes on exactly the same information. You can use the Homeowners Insurance Comparison Guide to help you gather this information on your computer screen.
Homeowners Insurance Comparison Guide (PDF)
As you compare companies, consider the ease of getting assistance if you have questions or need to file a claim. Are you comfortable dealing with businesses over the phone or through email, or do you prefer to walk into a local office and speak to an agent in person? If you choose to work through a local agent, consider how he or she works. Some agents work for several different companies (independent agents), while others work for one company (direct agents). Whichever you choose, you should expect the agent to keep your interests in mind. Expect a good agent to:
If you decide to explore options available through the Internet, professional organizations, etc., do your homework. Find out as much as you can about the companies, their reliability, financial strength and reputation for taking care of their clients.
Once you narrow the field to one or two companies, take the time to read the policies being offered to make sure you understand what is and is not included before you make a final decision. Don't be afraid to ask questions if you don't understand the terms used.
You may also wish to obtain CLUE (Comprehensive Loss Underwriting Exchange) reports. There are two major property databases, CLUE and A-PLUS (Automated Property Loss Underwriting System). Reports from either database are often referred to as CLUE reports. These databases have information about claim histories on property. Insurance companies use this information to set insurance premiums. Therefore, it's a good idea to check your report before filling out an insurance application. Consider reviewing a copy of the report for a house you are thinking about purchasing. You cannot directly access a report on property you don't own, but you can ask the seller to provide a copy prior to purchase. To learn more about or get copies of CLUE reports, contact ChoicePoint, 866-527-2600, www.choicetrust.com.
Once you buy a policy, don't put it away and never think about it again. Periodically review it to be sure the coverage is up to date. For example, if you make major changes to the property that might require increasing or reducing coverage, contact your agent or company. Complete a household inventory, keep it up to date and place a copy of it in a safe place away from the home. Be sure you can locate your agent's or company's contact information if you need it.
Here are some ways you can cut your homeowners insurance costs:
Order publications online at http://extension.missouri.edu/explore/shop/ or call toll-free 800-292-0969.


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Town Solicitor presents council with memo on recent arbitration
Editor's note: As a service to our readers we are printing this memo in its entirety regarding the recent settlement between the town and Siegmund and Associates.
MEMORANDUM To: Jamestown Town Council From: J. William W. Harsch, Esq. Date: June 7, 2006
Re: Siegmund & Associates Arbitration
This is to clarify the outcome of the Siegmund arbitration.
1. Siegmund and Associates Claim. The claim made against the Town under the mandatory arbitration provision of the contract for engineering services on the sewer rehabilitation project was for a total amount of $48,752. Of this, $21,337 was for bills actually issued by Siegmund to the Town for engineering work the firm claimed to have performed. The Town did not believe these bills represented actual work on the design plans for the wastewater treatment plant and, consequently, refused to pay them. Also included was a claim for $19,400 for alleged lost profits associated with termination of the contract. Siegmund also made claim for work allegedly performed beyond the scope of the contract in the amount of $8,025, of which $5,775 was for its own engineering work and the balance of $2,250 was for overtime work performed by its inspector on subcontracts as well as other coordination fees. At the close of the arbitration hearing, there was a demand for expert services in the amount of $53,536, as well as a demand for attorneys fees in the amount of $61,920, claims associated with the defense of the Town's counterclaim that were made on behalf of the Siegmund's insurance company. The total amount sought from the Town between Siegmund's claim, and the claim by its insurance company, was $164,208.
2. The Award to Siegmund and Associates. The arbitrators denied Siegmund's claim of $21,337 for alleged engineering services associated with its unpaid invoices. Siegmund failed to prove that the Town owed any further money for the design plans for the wastewater treatment plant; in other words, the Town was found to have been correct in refusing to pay the Siegmund bills in question. The arbitrators further denied Siegmund's claim for lost profits in the amount of $19,400 as well as the claim for expert witness fees in the amount of $53,536; a total of $94,273 in claims were denied. Compared to this demand, Siegmund was in fact awarded $2,340 plus $585.02 interest for certain additional design work. Accordingly, the actual amount awarded to the Siegmund firm itself for its claimed additional services was $2,925.02, as compared to a total demand of $164,208.
3. The Award to the Insurance Company. Siegmund's insurance company, which handled Siegmund's defense of the Town's counterclaim, but did not assume any responsibility for the Siegmund claim, received a portion of its legal fees in the amount of $30,000, or less than half of its claim of $61,920. This amount has now been negotiated down to $20,000 in exchange for the Town's agreement not to pursue an appeal of the arbitrators award. Additionally, the claim for expert witness fees in the amount of $53,536 was denied by the arbitration panel.
4. Other Awards. The arbitrators re-apportioned the prepaid costs of the arbitration based apparently on the amount of time each party took to present their case before the Board. The Town's case having taken far more time than Siegmund's case and the insurance company's defense of our counterclaim combined, the reapportionment increased the Town's share of the arbitration fee by $12,043.20. An award of $1,710 was made for claimed overtime work owed by Siegmund to inspectors on the construction subcontracts, plus $427.48 interest or a total of $2,137.48. Such fees were a pass-through and not money earned by Siegmund.
5. Origin of the Siegmund and Associate's Claim. The Town tried to negotiate a simple "walkaway" settlement with Siegmund when it became apparent that the sewer project work was badly behind schedule and was experiencing multiple problems. As it could not justify further payments to Siegmund despite demands represented by bills, the Town properly refused to give Siegmund any more money. Siegmund's response was to invoke the compulsory arbitration clause in the contract, which gave Siegmund a distinct tactical advantage from the outset.
6. The Town's Counterclaim. The Town's attempt to negotiate in good faith combined with the lack of recourse directly to the courts created an immediate problem. When Siegmund abruptly broke off negotiations and made demands which the Town knew to be unwarranted and unjustified, the Town had no choice but to respond or risk the loss of any rights it had against Siegmund for the failures of the engineering work. The Town had become aware, following a report from an independent outside engineering expert, that the costs to the Town to remedy the shortcomings of Siegmund's work and get the project back on track would be substantial. The only option available to the Town under these circumstances was to estimate these new costs as best it could and lay them out as a counterclaim in the arbitration in which Siegmund was attempting to get money to which the Town felt he was not entitled.
7. The Duration and Expense of the Arbitration. These costs and expenses were caused by the inability of the arbitrators to reach a timely decision on threshold jurisdictional issues. They insisted that the Town put on its entire counterclaim and then eventually based their refusal to grant the Town any relief on a preliminary procedural basis, therefore entirely avoiding reaching the merits of the Town's claim.
8. The Town's right of appeal. At the close of the arbitration, the Town did have viable appeal options. Unfortunately, the Town's early effort to be fair to Siegmund, avoid a controversy and allow Siegmund to "walk away" cast a cloud which could have affected a court's consideration of the Town's claim against Siegmund. As the saying goes "no good deed goes unpunished." The viability of the Town's possible appeal was confirmed in part by the willingness of the insurance company to agree to a $10,000 reduction in any monies to be paid by the Town.
9. Conclusion. The claim has been made that Siegmund and Associates was successful against the Town and received an award of $47,105.70. This is clearly inaccurate. The fact is that Siegmund and Associates actually received $2,340 (plus interest of $585.02) in engineering fees on its initial claim for $48,752 and the total demand by Siegmund and the insurance company for $164,208. The entire balance of the arbitration decision was composed of payments to construction subcontractors for wrap-up work on their portions of the project itself ($1,710 plus interest of $427.48), a payment to the insurance company for a portion of its legal fees in defending against the Town's counterclaim ($30,000 negotiated down to $20,000), and an adjustment in the pre-paid costs of the arbitration ($12,043.20). The fact is that the firm of Siegmund and Associates received zero for their outstanding engineering bills, zero for their claim of lost profits, and zero for the experts utilized by the insurance company to try to defend against the Town's counterclaim. I trust that the above, puts this matter in proper context and will put an end to the inaccurate claims that have been made about the arbitration decision in the Siegmund matter.

subset: commoncrawl


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Thread: Last Stand Dead Zone Account
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Last Stand Dead Zone Account
Hello there,
I have for trade Last Stand Dead Zone account.
Full 10 survivours, max 60lvl all. Well defended compound. DMU upgrade (30USD), about 30 prem keys (2USD each), 1500fuel (10USD), inventory is full of unique weapons and gear (worth about 100 prem keys = 200USD), lot of research done. Also expensive books like -50% ammo cost, white flag. Trade slots unlocked. Premium weapons.
Never have banned.
Value of this account I estimate to 400USD.
If you are interested, write.
Last edited by Menelaos; 01-15-2018 at 05:26 AM.
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Knitting no fun? Try crochet!
I do like to have at least one on the go at any one time, if no other reason than it gives me something to do while hubby is watching rubbish TV!
I started a lacy cardigan, Debbie Bliss's Sideways Knitted Cardigan, from the Rialto Lace book.
It's lovely, and quite a simple lace pattern, but I'm using dark blue yarn and my Knit Pro wooden needles. They're dark coloured, and it appears that my 40 something eyes no longer like looking at fine, dark coloured yarn on dark needles in anything less than good daylight! I'm working slowly on this one, but it's not winter evening knitting!
I then started a sweater - the Edge Hoodie - as part of a knit-a-long in the Anthropologie Knits group on Ravelry. I'd got about 6 inches done when I realised it was going to be huge, so I frogged it and started again on smaller needles. It looks better now, but I don't really like it. Even though I'd decided to make it without the hood, it's not really me, but it fitted in with the KAL theme of "Sweatshirt Style". So that's now on the backburner as well!
Rather disillusioned and not sure what to knit next, I browsed Ravelry for inspiration and came upon a gorgeous crochet wrap. The Daisy Wrap from Blue Sky Alpacas.
Isn't it pretty?
I downloaded the pattern and made a swatch almost immediately.
I've now started on the largest size with some gorgeously soft cashmere/cotton/angora fingering weight yarn that was in my stash, and I'm loving it! I'm so pleased to be working on something I'm enjoying, rather than slogging or struggling with one of the other projects.
I will go back to the lace cardigan when the evenings get lighter, but I think the hoodless hoodie is heading for the frog pond again.
On another note, I've signed up for Scruffy Badgers Polka Dot Frock Fest. She has around 20 bloggers making polka dot versions of New Look 6000 sometime during February.
I'll be using this fabric that has been in my stash since last summer.
It's a little bit darker than this in real life. I only have 1.5 metres, so I'll be making view E, without the side pleats and will omit the cuffs as well.
8 comments
Your sample is lovely! And the dottie fabric is as well - your are on a winner here...JReplyDeleteReplies
Thank you. I hope so, I feel excited about both these.Delete
Oh, that crochet shawl is going to be gorgeous!ReplyDeleteReplies
I think so too, but then I might be a tiny bit biased!Delete
Sam, I'm so in love with your crochet!! It's beautiful, and will make a fantastically useful and pretty cover up.ReplyDelete
Loving your fabric too!! Great that its a stash buster!! Enjoy the sewing!!!Replies
Thanks Winnie. I'm loving the crochet too. I'm hoping it will go with the Vogue coat I made.Delete
Can't wait to start my NL 6000 dotty dress!
Oh my; your knitting projects are both exquisite. That lace pattern is so beautiful!ReplyDelete
Oh I love the colour of your dotty fabric, looking forward to seeing it made up :)ReplyDelete
Thank you so much for your comment, every one is read and appreciated. It means a lot to me that you take the time to read and comment on my posts.


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STOCKTON - Vicki Warhol-Essman's name is well known among insiders of the horse racing world as one as of the most successful female jockeys. She is, after all, the fourth woman to record 1,000 career victories.
STOCKTON - Vicki Warhol-Essman's name is well known among insiders of the horse racing world as one as of the most successful female jockeys. She is, after all, the fourth woman to record 1,000 career victories.
However, few on the racing circuit are aware of her current nine-year battle with lymphoma, once thought to be breast cancer when she first discovered a lump in 2003. Nonetheless, the petite, spirited woman was riding horseback at the San Joaquin County Fair on Saturday as she continues her battle with cancer.
While not yet able to return as a jockey, the 51-year-old went largely unnoticed by the hundreds of horse racing fans as she filled in as one of the "pony girls" at the track. Like Warhol-Essman, nearly all of Saturday's escorts donned breast cancer awareness shirts as they led their respective jockeys to the gate prior to each race.
"It's really cool when they support (breast cancer awareness) like this," said Warhol-Essman, who has raced from coast to coast and currently resides in Vacaville. "They have to find something to cure it because I wouldn't wish (chemotherapy) on anyone. That's wicked stuff."
Shortly after the lump was removed and believing she was cancer-free, Warhol-Essman received a telephone call from a nurse.
"I thought she was being nice with a follow-up call," Warhol-Essman said. "I'd put (cancer) out of my mind. But when she told me, you could have knocked me over. I don't usually cry, but I was uncontrollable.
"They told me they didn't know (how long I'd live)," she added. "They said that it's slow-moving, and it's different with every case. You deal with it because it doesn't do me any good to whine. "
Jockey Billy Lewis, 43, of Memphis, Tenn., said he has ridden at other breast cancer awareness events over the years and never grows tired of them.
"I think it's great because we've got to get rid of this any way we can," Lewis said. "We've had some close calls. My ex-girlfriend found a lump, and so did my mom. But it wasn't (breast cancer), thank God."
Brittany Moore, 24, of Portland, Ore., was another pony girl escort Saturday and she dressed up her thoroughbred, Bubba, with a pink saddle and polos on its front legs. She said she wouldn't argue with racing fans who bet on the color pink to bring their horse a little extra speed.
"Anything can happen - it's all luck," Moore said. "I love pink. Hopefully it has an effect on the race horse."
Bobby Munoz, 56, and his wife Wendy, 55, traveled from Lodi for a day of racing, with Bobby sporting a pink long-sleeved shirt made by Wrangler. Sewn in the collar is the phrase: Tough Enough to Wear Pink.
"We're big supporters of the fight against pretty much any cancer," said Bobby Munoz, whose 75-year-old mother is in remission of stomach cancer.
Wendy said her mother, Nola White, was diagnosed with cancer at 81 and went through 37 sessions of radiation and four months of chemotherapy.
"She beat it," Wendy Munoz said. "We got up this morning and (Bobby) got out his shirt to be ironed. We love horse racing."
Sue Mudd, 51, of Tracy, was a volunteer at the American Cancer Society booth set up to promote the second annual Making Strides Against Breast Cancer event scheduled for Oct. 6 at Delta College.
"We've had a lot of people come by and say, 'I'm a breast cancer survivor.' So, it's been great," Mudd said.


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Scrap dealers and many of the companies that supply them with steel clips from their stamping presses re-learned an old lesson a month or two back. Simply stated, the ferrous scrap market has a downside as well as an upside, that prices can plunge as well as soar.
And often, the decreases come at a much quicker pace than the increases. The prices of No. 1 busheling and No. 1 bundles climbed by $160 a long ton in April and another $140 in May, but they gave all that back in a single month September. Industrial steel scrap grades plummeted by $300 a ton or more that month.
Such drops were no surprise for many veteran traders and scrap processors. They have ridden the steel scrap price roller coaster many times in the past and know its peaks and valleys, but few—if any—ever expected to see No. 1 busheling and bundles at $900 a long ton. Many were astonished when industrial steel scrap prices soared to $450 a ton in fall 2004. Who knew that less than four years later it would be double that?
The same could almost be said about obsolete grades like No. 1 heavy melt and shredded scrap, which soared to about $350 a ton and $500 a ton, respectively. Almost—but not quite. The heavy melt and shredded prices never caught up with the price gains achieved by prime steel scrap. There are a couple of explanations for that. One is the weakness of the U.S. dollar, which served to draw obsolete scrap overseas. The weak dollar also discouraged foreign steelmakers from shipping much of their finished steel products here. The domestic steel producers became pretty much the sole suppliers to the U.S. service centers and other flat-rolled steel users.
Another explanation is the possible disincentive of steel scrap surcharges, particularly for flat-rolled steel products. For many of the mills that produce flat-rolled, surcharges often are based on a regional busheling or bundles price or some combination of the grades from two or three cities. In some ways, it has helped steelmakers, especially mini-mills, deal with the often unpredictable ups and down of prices in the ferrous scrap market. But some steel users complain that it has made mills less willing to stand up to the price demands of scrap dealers. Why haggle over the price of scrap when it can be added to steel prices?
But the strength of a market can sow the seeds of its own destruction. The sharp and steeper rises in the prices of industrial steel scrap opened up a huge disparity between the primary grades, like bundles and busheling, and the prepared obsolete melt materials, like shredded and heavy melt—a price disparity that became too big to ignore this year, even with steel base price increases and the scrap surcharges.
Four years ago, when bundles and busheling spiraled up to that $450-a-ton level, shredded could be bought for $300 a ton. That may not seem like much of a disparity now. At that time, though, it was a huge price gap between what some regarded as competitive and interchangeable raw materials. Traditionally, prices for mill grade No. 1 busheling ranged from $10 to $20 a ton over shredded prices. When the export market was active, shredded might even surpass the price of busheling by $10 or more a ton. This year, the pricing disparity grew even greater. Busheling prices rose to $900 a ton and higher while shredded peaked at about $600 a ton in most of the domestic markets—a differential of $300 a ton.
If freight costs are discounted, shredded was about the same price here as it was overseas. Steelmakers in eastern Mediterranean countries, like Turkey and Egypt, paid about $725 a tonne delivered at the market's peak. Bulk freight costs soared to $100 a tonne or more in some months, about triple or quadruple the transportation cost that a U.S. scrap dealer would pay to ship shredded to a nearby steel mill, which made the f.o.b. price at a dealer's yard or the docks about the same.
As is often the case, huge price differentials in competing raw materials force a re-thinking by consumers. We don't yet have a practical alternative to gasoline, but the steep increases in oil prices have made the once-popular sport utility vehicle a paria unless it's a fuel-sipping hybrid.
It's not that much different in the steel market, where many purchasers and melters have reformulated their raw material mixes. Integrated steelmakers, for example, use less densified scrap like No. 1 bundles and 5-foot plate and structural scrap and instead rely more on iron from their own blast furnaces. When they do buy scrap to use as a coolant, it includes a more diversified mix of heavy scrap like rail crops.
Several mini-mills have modified their appetites as well. Some have shifted their formulas to use more of the so-called gamma-ray shredded, the fragmented scrap that been scanned by X-rays and subjected to additional picking to ensure a lower copper content. (Most of the flat-rolled mills require less than 0.2-percent copper in their scrap.) Cleaner shredded along with the use of imported pig iron has helped to dilute the proportion of copper and other unwanted tramp elements.
Fortunately for steel mills, scrap dealers and even the steel users paying those scrap surcharges, scrap has a very elastic price. Bundles and busheling that sold for $450 a ton in 2004 were down to $150 a ton nine months later. Will they drop that low again? Or even lower?
Who knows?
All comments are subject to editorial review.
All fields are compulsory.
Every month American Metal Market takes a statistical look inside the marketplace.
The Korean producers 'seem to think they have a good case, but personally I wouldn't get overly confident.'
--OCTG trader


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"I Saw You" sitting on your couch with your shirt off
Who saw? Who was seen? Was it you?
Reply or see more "I Saw You" ads at alibi.com/personals
You were sitting on your couch with your shirt off and we were watching something hilarious on TV. I looked at you and you saw something funny and laughed. I laughed just because there was so much joy in your handsome face. I wanted to scream how much I care about you and tell you how much you mean to me. If you want to meet just keep leaving your blinds open.
Two beautiful birds, we saw you in the future. September 18th, 2012 to be exact. You were at the Santa Fe Opera with two handsome dudes watching Wilco serenade the crowd. We each fell in love, got married and then got divorced. If you are these birds, we can't wait.
You: Standing in front of me at FedEx.
Me: Standing behind you at FedEx.
Us: Standing in line at FedEx.
Would love to see that elegant blonde hair of yours again.
You got out of your car at the busy intersection of Coors and Montano at about 3:00 p.m. on Saturday 8/25, and helped someone in a wheelchair cross the street. You were tall, with long light-colored hair, and you wore a skirt and sandals. You were awesome. I think all good samaritans deserve recognition. Thanks!


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Laura Neville
Hometown: Old Lyme, Conn.
Major: Music Education, concentration in flute
WCSU Degree: Bachelor of Science in Music Education
Activities: Flute Club; MENC - National Association for Music Education, president 2006-07; Bethel High School woodwind instructor, fall 2007; private flute instructor at Bethel Music Center, 2006-07; WCSU Summer Band Camp counselor, summer 2007; server at Old Lyme Ice Cream Shoppe
Honors and Awards: Dean's List every semester, 3.8+ GPA
As a freshman, Laura Neville attended The College of Saint Rose in Albany, N.Y. "I left the College of Saint Rose because I didn't like the Albany area, and I didn't feel like it was a good fit for me," she says. " I had heard a great deal about the music program and professors at WestConn, so I applied here. When I came for my audition, I felt like I fit in -- and eventually this became my home away from home."
Neville says she decided to pursue a degree in music education "because I wanted to improve my skills as a musician and teacher. I wanted to give back to the community through the schools."
Once at WestConn, Neville found a mentor in Professor of Music Dr. Kerry Walker. "Dr. Walker helped me become a better flute player and musician. She helped me through some hard times and was always looking out for me. She was and is like a mother figure for me at school. You knew that you could e-mail or call her at any time and she would be there for you. She provided me with so many opportunities to grow as a musician that I cannot thank her enough. Dr. Walker helped me come out of my shell and realize who I am as a person and a musician. I will always consider her family."
Asked what she will remember most about her WestConn experience, Neville says, "My senior conducting recital. It was a lot of work to put together, but in the end it was the most rewarding experience I have had at WestConn."
After graduation, Neville plans to teach in the public school system for a few years and then apply for graduate school. "I want to go to grad school for instrumental conducting."
Neville's advice to new students entering WCSU is: "Take in as much as you can from your professors and don't lose sight of who you are."


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Gerald, I can not imagine your grief; my heart and prayers go out to you and your family. Pat what you wrote gives so much solace - so beautiful.
I've never heard the term before, but as they say, nothing ventured, nothings gained. So, here goes:
Happy is the abiding heart
Opening to things yet unseen
Piety yielding vast treasures
Eager its fortunes to expose
I think I could have been clearer in my message had it not been that I wanted the meter to carry the thought.


text:
35 products
35 products
Your pulse for news, gear highlights, guides, and professional advice.
Vocal microphones are a dime a dozen these days. With so many options, it can be so difficult to find the right microphone to fit your voice. Sure, there is tons of information online where each person says their microphone is the best for everything. But you are not looking for a workhorse. Yo ...Read more
It's getting close to shopping season and we want to help you find the perfect gift for the engineer in your life. In this article, we'll go over the best-sounding, and best-selling studio headphones of 2018. Audio-Technica ATH-M30X - $69.00 The ATH-M30X is one of the most popular models by Au ...Read more
It's getting close to shopping season and we want to help you find the perfect gift for the engineer in your life. In this article, we'll go over the best MIDI controllers of 2018. Arturia Keylab - $199 Arturia is a French company that makes some of the best controllers in their price range. ...Read more
The Fox Valley is full of talent around every corner. You can see incredible musicians playing almost every night from Green Bay to Fond du Lac. The talent around here is so good that we wanted to do occasional features of the best local artists we can find. In today's article and our first Loca ...Read more
In almost every genre, vocals are the centerpiece and the most important part of the song. Because it's a human singing, the lyrics tend to be what we as other humans focus on. We connect with it easier than other parts of the music. In this microphone Buyer's Guide, we will cover a few topics of ...Read more
Many of you have seen our articles in the past about B-Stock from Focusrite, Novation, Oktava and many others. We are very excited to have B-Stock from Harman for the first time! In this article, we'll showcase a few highlights of some of our favorite pieces. AKG K872 These are the th ...Read more
Going into the studio is very exciting and can be turning points in musicians careers - if they do it right. These days, professionalism is expected in studios, and if you're not prepared, you will be wasting valuable studio time and your record may not turn out to be the best it could. As a voca ...Read more
Over the last two years, we've really grown in our guitar department. Along with that growth has come a selection of amps that we love having at the store. In today's article, we will feature our current guitar amp inventory that you can stop in and try out for yourself! Line 6 DT25 112 Combo - ...Read more
Recording bass can be a lot of fun, but sometimes, matching the tone to reinforce a wall of guitars and still fit with the drums is difficult. We've put together this guide to help you get the right tone while recording your bass guitar every time. Instrument This isn't exactly a secret, but havi ...Read more
A lot of our customers call us to ask about setting up their first pro/semi-professional podcast studio. Many of them have recorded podcasts using their phone or a basic USB microphone into a computer which worked fine for the time being. But there comes a time when it's time to upgrade. In thi ...Read more
This week is the 6th annual Mile of Music. We've got some amazing independent artists traveling to Downtown Appleton from all parts of the country. This is a very short article this week just to make a few announcements! $ave Money! We're celebrating independent artists by giving our biggest di ...Read more
How many times has a nasty room resonance totally killed your recording? At first, it can sound cool to have natural room reverb. But as soon as you start compressing and EQ'ing your tracks, everything sounds thin, phasey, and ultimately unusable. Reverb is an effect more easily and precisely app ...Read more


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Toddler Time
This time for children birth to 36 months introduces toddlers and one caregiver to the joys of language with one half hour of nursery rhymes, songs and stories once each week for 6 weeks.
Children MUST be accompanied by a caregiver who will stay with them.
Program Times: Monday 6:00 pm
Sessions begin September 23. Sign up starts September 10.


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bernardo needed a new logo design and created a contest on 99designs.
A winner was selected from 208 designs submitted by 65 freelance designers.
We need a reworked version of our existing logo http://www.alpinresorts.com/images/site/logo.png
The new version should resemble the old one, but should look more professional and be more flexible.
Alpinresorts (or Alpinresorts.com)
We are a portal that provides a lot of information for winter sports enthusiasts in Europe. People can rent ski and boards, look up information about appartments, ski resorts, ticket prizes etc.
We are unhappy about our current logo, which was designed last fall, in that it can't really be printed black&white and that it doesn't look very professional and sharp. Thus we are searching for a new logo, that should resemble the old one. Try to use the same colors and elements (blue, red, mountains). Our logo is already known to a lot of people, which is why the new one should be easily recognized to those who know the old logo.
Right now we focus on winter sports only (ski, snowboard, ...) but in the future we'll provide information about the summer too (hiking, mountain biking).
The logo will be used to design our new CI and our new website. The logo doesn't have to fit to our current website in terms of colors and style!
Target Audience
Our target audience are mainly young people and families who love sports in the mountains.
The logo should have a fresh and clean spirit. It should provide the feeling of freedom to do anything you want.
Required file format
Any vector-graphics format
$300 guaranteed!
- use of blue and red
- mountains as design element
- flexible usability (letter heads, car paintings, presentation folders, website, stickers on glass doors, ...)
- scalable logo
- a logo completely different to the old one
Find out how a design contest works or learn more about our logo design services.


text: Apple TV Apple TV is here, and surprisingly, no one knows about it. When Apple finally launched the iTunes Store for music and movies in the Indian market, everyone knew that this would be the next logical step. But somehow, Apples been a bit hush hush about the launch of its little box. But well help you figure out what exactly it can do.First things first – its not your grandpas cable box. There are no TV channels (in the traditional sense) on it. Everything you play on it would come either from your Mac, iPhone, iPod, iPad or anything else that has AirPlay support. Which means you can play just about any media file that you can play on any of the previously mentioned devices without the need for an external app. It wont play DivX or MKV files, for all you Pirate Bay... pirates.But you can watch your pictures on your TV, along with the vacation videos you shot from your iPhone. You can also play music from your devices or play your iPhone and iPad games on your TV screen, all via the magically wireless AirPlay. And with the newly stocked iTunes, you can also buy and rent entire movies in high-definition, right from Apple TV.Being an Apple product, it naturally comes with apps as well. Currently, the number of streaming apps supported in India is very limited. But hopefully, that will change in time. Now that Apple has this out of the way, its about time it came up with a TV as well. And this time, we are talking about the telly.Rs 7,999; www.apple.com/in Gagan Gupta 11 April 2013 Apple TV


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Dialysis Access Center
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Physical Medicine and Rehabilitation
Radiation Oncology
Sleep Center
Adult Hydrocephalus
Brain & Spine Institute
Cancer Institute
Cardiovascular Institute
Children's Hospital
CyberKnife® Center
ER-7 Emergency Center
Geriatric Surgery
Joint Preservation and Replacement
Krieger Eye Institute
Limb Lengthening
Rubin Institute for Advanced Orthopedics
Spine Center
Stroke Center
Vascular Institute
William E Kahlert
Regional Cancer Center
Women's Services
About Sinai Hospital
Campus Map
Hackerman-Patz House at Sinai Hospital
Insurance Plans Accepted
Nursing At Sinai
Population Health
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Visitor Guide (PDF)
Visitor & Patient Information
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Sinai Hospital Board of Directors
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Sinai Hospital Division Chiefs
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Sinai Hospital
Northwest Hospital
Carroll Hospital
General Surgery
Internal Medicine
Obstetrics and Gynecology
Physical Medicine and Rehabilitation
Joint Replacement and Reconstruction Fellowship
Limb Lengthening and Reconstruction Fellowships
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Information for Residency Applicants
New Resident Credentialing Application Information
Electronic Residency Application Service (ERAS)
Rotating to Sinai
Medical Student Electives
Medical Education Office
Sinai Hospital of Baltimore
2401 W. Belvedere Avenue
Baltimore, MD 21215
410-601-6308 (fax)
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Contact Us
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All birth certificates are issued by the Bureau of Vital Statistics. Sinai Hospital does not issue birth certificates. You can contact the Bureau of Vital Statistics at www.vitalcheck.com or you can reach Maryland Vital Records at 410-764-3038.
Designed with the patient in mind, several guest suites are available at The Hackerman-Patz House at Sinai. The Hackerman Patz house is just steps away from the main campus so that you may remain close to your loved ones during the time of their stay. For more information about The Hackerman-Patz House, click here.
In addition, several local area accommodations are available to you. Many of them offer discounted rates for Sinai Hospital patients, family and friends. Click Here for a complete listing
To obtain copies of your medical records, you may print the "Authorization for Release of Medical Information" PDF form and mail it directly to the facility or specific office you are requesting records from. We do not accept requests for medical records by e-mail over the Internet. Please allow 7-10 business days for your records to be copied. Please complete the authorization form, include all information requested and be specific as to dates of service or the types of reports needed. If the record is being released directly to your private physician or another health care facility, there is no charge associated with copying your records. If you have a follow-up appointment, be sure to include the date of your appointment. However, if you request copies to be released to yourself or others, there are photocopying charges.
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Each LifeBridge Health facility participates in a wide range of health plans and accepts most major insurance providers. For additional information on insurance plans accepted and other payment options available to you, click here.
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While Latinos and Latinas have certainly been undercast on TV shows for decades, culturally-vibrant Hispanic cities around the United States have served as the backdrop for some amazing shows recently. Here are 7 that center around a Latino hotspot:
1. hotspots slide 01
Breaking Bad: Albuquerque, New Mexico
The Albuquerque-based AMC drama may have a nearly all-white cast, but the New Mexico city Walter White calls home actually boasts a Hispanic population of nearly 47 percent. Hopefully the spinoff Better Call Saul will add some amazing, dynamic Latino characters to the mix!
2. hotspots slide 02
Dexter: Miami, Florida
The Showtime serial-killer drama did an amazing job advertising the spirited and vibrant city of Miami. It even cast two Latinos —David Zayas and Lauren Vélez — in starring roles. Miami, whose population is a staggering 70 percent Hispanic, has a strong Latino presence which provided a festive background to the dark drama.
3. hotspots slide 03
The Bridge: El Paso, Texas
The FX crime drama follows two police detectives in their joint effort to investigate a serial killer terrifying the Texas-Chihuahua border. El Paso, Texas, which lies directly across the border from Juarez, Mexico, is nearly 80% Hispanic. The culturally-rich city features prominently in the show, and the cast boasts Latino actors Demian Bichir, Emily Rios, Diana-Maria Riva, and Catalina Sandino Moreno.
4. hotspots slide 04
Chicago Fire: Chicago
The NBC show, which explores the professional and personal lives of the firefighters and paramedics of the Chicago Fire Department, is set in one of the most vibrantly Hispanic cities in the midwest. However, despite the fact that Chicago has a 28% Latino population, there's a surprising lack of Hispanics on the show. We'd love to see a few more sexy Latino firefighters next season!
5. hotspots slide 05
Brooklyn Nine-Nine: Brooklyn, NYC
The new Fox comedy explores the dynamics between a laid-back NYPD detective and a staff of uptight colleagues in the New York borough. The show can proudly brag two Latina stars (Stephanie Beatriz and Melissa Fumero), and its Brooklyn setting has a 20 percent Hispanic population.
6. hotspots slide 06
Dallas: Dallas, Texas
It may be hard to believe, but over 40 percent of Dallas residents identify as Hispanic! While we love Jordana Brewster's role on the drama, we'd love to see a little more of that authentic-Texas flavor in the show with the addition of a few more Latino stars!
7. hotspots slide 07
Modern Family: Los Angeles
With the exception of Sofía Vergara and Rico Rodriguez, Modern Family has an all-white cast that does little justice to the city it's set in . Nearly 60% of Los Angeles residents identify as Hispanic, so we'd love to see a few more episodes that center around Gloria's culture!


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New England Institute of Technology has received a $2.5million federal stimulus grant to develop the Shipbuilding and Advanced Manufacturing Institute (SAMI).
The college has also received a $50,000 Make It Happen grant from the Rhode Island Foundation in order to adequately market the program.
The initial aim of the program is to help send 400 Rhode Islanders back into the workforce over the next three years with newly honed or developed skills.
The new program was recently featured on a WPRI 12 news broadcast – click the image above to view.


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Download The Last Stand Movie | Watch The Last Stand Movie without Survey
So you've got your bowl of popcorns! What more do you need, now?
Yeah, of course, some latest released Hollywood movies… right, here, they're!
Well, here you can download and watch The Last Stand online. This website is the most visited website by Hollywood movies' fans and thousands of people visit us every day.
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What… if you don't have the time to rush to cinema-hall and catch your favorite movie. All latest released and most loved movies are available here in full length and are more-than-easy to download. Our database contains thousands of movies and as soon as the new release comes out, it gets added to our ever-changing list. The very recent released 'The Last Stand' is available here to download!
You just register with the website once and get an access to watch online 'The Last Stand' now. As being a movie buff, we all know it very well that thousands of websites offer free movie download services. Preferring us among the innumerous available can be a little stiff, only if you don't know why we're different from the mass.
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More interestingly, after you save it to your PC, you can very easily transfer it to Ipod, CD or DVD etc.


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Several years ago, I was one of the early adopters of Rich Internet Applications as an opportunity, and would spend a tremendous amount of time in front of prospective customers, evangelizing the need for greater richness, expressiveness and simplicity in the experiences we deliver. Macromedia coined a tremendous phrase that, "Experience Matters", but the dialogue I would find myself in with enterprise customers was very much what Geoffrey Moore would call "Provocation Based Selling". Provocation-based selling helps customers see their competitive challenges in a new light that makes addressing specific painful problems unmistakably urgent – in the case of Rich Internet Applications, the unmistakably urgent problem was that we were failing to deliver on the promise of the Internet, and that application experiences took a step back from client-server to desktop to web. I'd say over the last 3 or 4 years, evidence that the provocation towards early adopters is no longer necessary, and that there is now mass market acceptance of the need for richer user-experiences, could be qualitatively measured by the fact that I no longer have to provoke, I no longer have to say why.
Fast forward a little, and the dialogue in the enterprise boardroom was less about Why? and increasingly about Why Adobe? And so in this phase of our enterprise maturity around more effective digital experiences, the conversation would move more towards "Flex versus Laszlo", "Flex versus AJAX", "Flash versus Silverlight". As executives understood the present problem posed by the provocation, they sought to understood the technology to anaesthetise their pain.
But if I'm honest, I rarely engage in that dialogue anymore. Whether I visit a customer, or whether a customer visits me in our Customer Briefing Center, it is much less common for me to be engaged in discussion of technology versus technology. However, there is a new provocation today, and it's the most enjoyable one yet and it's an incredible differentiator for success. Technology is necessary but not sufficient…irrespective of the vendor selection to deliver a richer experience, the delivery of a compelling experience, one that resolves the dynamic tension between the ROI the business seeks, and the tasks and goals their users wish to achieve, is not a technology problem.
It is a Design problem.
I am incredibly excited at the opportunity to play a role in this provocation, and to observe in front of Adobe's customers how the provocation is also moving the importance of experience design in the enterprise from an opportunity for the early adopters, to a necessity for the emerging mass market. Though customers like Morgan Stanley may have had the courage, the insight and the balance sheet drivers through which they understood the opportunity behind the provocation, they have created a bar that their competitors and peers now either choose to bang their head on, or also take a new approach to clear.
The approach is Design-thinking, and the approach demands that software engineers, business analysts and organizational behavior embrace and absorb designers, and Design thinking.
I'm very much looking forward to a 2-day event in New York next week, where Adobe is bringing together it's enterprise customers and developers with it's community of design talent and design customers. As Design and Technology collides in the Enterprise, we are incredibly fortunate and excited to have both of those communities available to us. Consider joining us, by signing up at http://www.engagewithadobe.com/
I would also encourage you to read Rob Tarkoff's post here. Rob is the Senior Vice President of our Digital Enterprise Solutions business unit, and is really driving this collision of Design Thinking and Technology Innovation in our enterprise offering.
We've said it before, and we'll say it again. Experience Matters. Business has never looked Better.


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Nick McCullySt. Louis Cardinals
Pitcher | Ht: | Wt:
|Cardinals | Six trimmed from minor league camp
Fri, 25 Mar 2011 00:38:17 -0700
Six St. Louis Cardinals players were released from minor league camp, according to The St. Louis Post-Dispatch's Derrick Goold. OF Antone DeJesus, SS Jose Martinez, OF C.J. Beatty, IF Devin Goodwin and P's Nick McCully and Charllan Jimenez were released.
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|| Source: St. Louis Post-Dispatch - Derrick Goold


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I tried to get a few picks but my
batteries had run out
It's so hard not to cry when you're at
the memorial services, because you know
some of these guys went through so much
but just can't talk about it.
My dad never talked about it,
so many things lost, yet sometimes
it's better not to remember the bad things.
And remember the day that the war stopped.
ah well maybe next year
We had our first snow fall up here
I love the first fresh snowfall,
so white and clean,
air is crisp,
mmmmmmm goood, or as Jim would say


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In March I was inspired by Pisces.
"Pisces are selfless, spiritual and very focused on their inner journey. They also place great weight on what they are feeling. Yes, feelings define Pisces, and it's not uncommon for them to feel their own burdens (and joys) as well as those of others. The intuition of the Pisces-born is highly evolved. Many people associate Pisces with dreams and secrets, and it's a fair association, since those born under this sign feel comfortable in an illusory world."
April will be all about Aries. I've put this moodboard together to get inspired. If you want to see the work as it comes in, follow me on instagram.


text:
Linked by Thom Holwerda on Fri 26th Aug 2011 17:47 UTC
The race to the bottom has wrecked havoc in the PC industry. The only PC maker with decent margins is Apple, and even they aren't doing anything particularly innovative. Razor, though, wants to buck the trend. After a ballsy marketing campaign, the company has unveiled the Razer Blade. The Razer Blade is what you get when you combine the team behind OQO, add some engineers from Dell, Apple, and others, and tell them to design the thinnest, most stylish gaming laptop - no questions asked. The result is striking.
Permalink for comment 487200
To read all comments associated with this story, please click here.
To read all comments associated with this story, please click here.
RE[3]: Fail
by molnarcs on Sat 27th Aug 2011 05:11 UTC in reply to "RE[2]: Fail"
Um, what? I don't even like laptops. I try to avoid using them whenever possible.
See, I knew something was wrong with your head.
HINT: there's nothing wrong with avoiding using laptops or disliking them. The fact that you commented here, however, is kinda odd. I mean if you're not interested in laptops whatsoever, even try to avoid them, why the hell are you reading this and commenting here? I'm not interested in cars, for example. They don't impress me at all, not even luxury cars. I think it would be weird if I went to a message board about cars and started posting "meh, I don't like it" for each new car news.
Edited 2011-08-27 05:22 UTC


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Designers from around the world are submitting creative designs for Wandale in other design - custom.
We need some backgrounds for a skillgame called "Aztec". It`s a puzzle-game with a new idea of gameplay. The game will be freely available. (Silverlight)
Aztec Skillgame
Take a look at the example:
For the level itself, this is how it has to look like: 4 pillars on corners, free sides and plane ground. The rest depends on you - it should be: atmospheric, adventure related, mystical, jungle. Aztec/Maya related or similar. Maybe 3D-Style (Pseudo-3D).
Altough we need, in same style:
Startscreen, Creditsscreen: No special needs
Scorescreen: Maybe a stone laying in jungle or something else to show a score
Mapscreen: A path through the jungle with some obstacles (6 Levels) - (An animated character will go to next obstacle after each level - we will animate map/charakter - only need bg)
Thank you :)
- 755 x 568 (psd or similar, all layers)
- Startscreen, Level, Map, Score, Credits
- Atmospheric, mystical, impressive
- Adventure feeling / Jungle
- Aztec/Maya related or similar
- 3D (Pseudo-3D)
- Overcharged Pictures


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An interview with Tom Lutz
Tom Lutz is both a horseman and financing expert. For over 25 years he has specialized in equestrian real estate financing in Fairfield, Litchfield and New Haven Counties in Connecticut. He lives on a horse farm and enjoys riding and driving his warmbloods and thoroughbreds.
Tom, would you say it is more difficult to finance a horse farm than a normal residential property?
In any market, financing a horse farm can be a bit more awkward than a standard single family home, particularly if the home has substantial acreage and amenities such as a stable, tractor barn, indoor rings or extensive turn outs. Most lenders abide by guidelines set forth by mortgage giants Fannie Mae and Freddie Mac so that the loans can be sold, and place and emphasize the comparable sales when reviewing an appraisal to determine value. If other horse farms that have recently sold are unavailable to use as comps, appraisers are forced to use standard residential homes and make adjustments to try and end up with an apples to apples comparison to determine the fair market value. For example, a horse person places a great value on a nice stable with heated tack room and hot and cold water with good fencing and suitable turn outs. A standard appraisal report classifies this as an improved outbuilding and excess acreage and gives it far less value than the cost to build it.
In large part it breaks down to risk factors to the secondary market investors. If the horse farm is ever foreclosed on and bank owned, it becomes far more difficult to sell with a much more limited market share of prospective buyers than a standard 4 bedroom colonial in a quiet neighborhood. The bank or investor is forced to sell any unique properties at a more reduced price to be able to sell them therefore increasing their chances for a more substantial financial loss.
There is so much more that makes up a desirable horse farm than the standard measurements of square feet of living space. How difficult is getting a bank-accepted appraisal that understands the uniqueness of a fine horse property?
If the lender has the ability to "portfolio" the loan and can give the appraiser some leeway to make adjustments outside of the normal guidelines or use sales from outside of the area, in most cases values can be established that work for everyone involved in the transaction. However, if that is not the case and strict appraisal guidelines with standard adjustments apply it can present a problem. One thing to keep in mind is that if the buyer is not seeking maximum financing and understands the difficulties in finding good comparable sales, they may choose to go forward with the purchase even though the appraiser is unable to justify the proposed purchase price.
As we all know, building a quality horse farm is very expensive. In a bank's eyes, does having horse facilities actually add any value to a property?
If you are in an area where horse farms are prevalent, chances are the local banks will appreciate the values and work with you even if it means putting the loan into the banks portfolio. However, most of the larger national banks and mortgage lenders tend to stay with the secondary market guidelines and do not appreciate horse properties and therefore may be unable to finance your purchase. If you are fortunate to have a "private banking" type of relationship with a bank or investment firm, in many cases special consideration may be given due to the substantial investments held with the firm and they will work with you to accommodate your loan request.
What do you do if there are no "comp" sales of similar farms, just residential homes?
In that case, the appraiser will give you minimal credit for the outbuildings and improvements. If the value of the home justifies the value you are seeking, you may be fine. I have seen many transactions where even with minimal value given to the equine related amenities the size and quality of the home itself is enough to justify the value. However, if the home is minimal and the seller is placing a great deal of the value in the fact that it is a great "horse property", this can present a problem.
If the buyer or seller does not agree with the appraisal, what options do they have?
The clients (prospective purchasers or borrowers) can request that the appraisal be reviewed by the lender particularly if there were errors made or it is felt that other homes/properties that should have been considered, were not used as comparable sales when doing the appraisal report. It is important to work with your real estate professional to present factual information and other comparable sales and specific reasons you are contesting the value, not just basing it on your emotions. It may also be used to give the buyers and sellers the ability to renegotiate the purchase price or introduce sales concessions to make the transaction equitable to all parties involved.
If you could tell prospective horse farm buyers one thing, what would it be?
That they are purchasing a property that may be appreciated by and limited to a small part of the real estate market in general and be willing to accept that in advance and balance it with the enjoyment they will have living in and using the property.
If you could tell prospective horse farm sellers one thing, what would it be?
Work with a real estate professional who can help you do your homework to establish an appropriate value, find and know the other farms that have been sold or are available and be willing to know that it may take some time and finding the right buyer to appreciate what you have and be willing to pay for it. Also make sure to do all the normal things real estate professionals suggest to present your property in the best possible way when listing it.


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The Effect of Teaching HIV-Infected Patients About HIV and Treatment
|The safety and scientific validity of this study is the responsibility of the study sponsor and investigators. Listing a study does not mean it has been evaluated by the U.S. Federal Government. Read our disclaimer for details.
|ClinicalTrials.gov Identifier: NCT00002409
Recruitment Status : Completed
First Posted : August 31, 2001
Last Update Posted : June 24, 2005
- Study Details
- Tabular View
- No Results Posted
- Disclaimer
- How to Read a Study Record
|Condition or disease
|HIV Infections
|Drug: Lamivudine/Zidovudine Drug: Abacavir sulfate
|Phase 3
|Study Type :
|Interventional (Clinical Trial)
|Enrollment :
|200 participants
|Primary Purpose:
|Official Title:
|A Phase IIIB, Open-Label, Randomized Study of the Effect of an Education Intervention on Virological Outcomes, Adherence, Immunological Outcome, and Health Outcomes in HIV-Infected Subjects From Under-Represented Populations Treated With Triple Nucleoside Therapy (Combivir, Lamivudine 150 Mg/Zidovudine 300 Mg PO BID Plus Abacavir 300 Mg PO BID) for Twenty-Four Weeks
Choosing to participate in a study is an important personal decision. Talk with your doctor and family members or friends about deciding to join a study. To learn more about this study, you or your doctor may contact the study research staff using the contacts provided below. For general information, Learn About Clinical Studies.
|Ages Eligible for Study:
|18 Years and older (Adult, Older Adult)
|Sexes Eligible for Study:
|Accepts Healthy Volunteers:
Inclusion Criteria
Patients must have:
- Documented and confirmed HIV infection.
- Limited or no experience with antiretrovirals.
- CD4+ lymphocyte cell count of 50 cells/mm3 or more 14 days prior to study drug administration.
- HIV-1 plasma RNA above 40 copies/ml and less than 100,000 copies/ml within 14 days prior to study drug administration.
- Ability to read, comprehend, and record information in fifth-grade English.
- Ability to attend the 4 sessions of T.H.E. course on Weeks 1-4.
Exclusion Criteria
Co-existing Condition:
Patients with the following symptoms or conditions are excluded:
- Patients suffering from a serious medical condition such as diabetes, congestive heart failure, cardiomyopathy, or other cardiac dysfunction which would compromise the safety of the patient.
- Malabsorption syndrome or other gastrointestinal dysfunction which may interfere with drug absorption or render the patient unable to take oral medication.
- Acute or chronic active hepatitis.
Concurrent Treatment:
Treatment with foscarnet or other agents with required documented activity against HIV-1 in vitro.
Patients with the following prior conditions are excluded:
- A clinical diagnosis of AIDS, according to the 1993 Centers for Disease Control (CDC) AIDS surveillance definition. (CD4 cell counts below 200 cells/mm3 will not be considered AIDS-defining.)
- History of allergy to any study drug.
Prior Medication:
- History of antiretroviral use. Patients with a history of sequential nucleoside monotherapy will be excluded, as will patients with a total antiretroviral history exceeding 6 months.
- Required treatment with immunomodulating agents, such as systemic corticosteroids, interleukins, vaccines, or interferons, within 4 weeks prior to study entry, or an HIV immunotherapeutic vaccine within 3 months prior to entry. Asthmatic patients using inhaled corticosteroids are eligible for enrollment.
Prior Treatment:
Radiation therapy or cytotoxic chemotherapeutic agents received within 4 weeks prior to entry.
Risk Behavior:
Current alcohol or illicit drug use which may interfere with the ability to comply with dosing schedule and protocol evaluation and assessment.
To learn more about this study, you or your doctor may contact the study research staff using the contact information provided by the sponsor.
Please refer to this study by its ClinicalTrials.gov identifier (NCT number): NCT00002409
Show 25 Study Locations
|Study Chair:
|K Rawlings
|ClinicalTrials.gov Identifier:
|NCT00002409 History of Changes
|Other Study ID Numbers:
|First Posted:
|August 31, 2001 Key Record Dates
|Last Update Posted:
|June 24, 2005
|Last Verified:
|June 1999
Keywords provided by NIH AIDS Clinical Trials Information Service:
Drug Therapy, Combination
HIV Protease Inhibitors
Patient Education
Patient Compliance
Reverse Transcriptase Inhibitors
Anti-HIV Agents
Viral Load
Additional relevant MeSH terms:
HIV Infections
Lentivirus Infections
Retroviridae Infections
RNA Virus Infections
Virus Diseases
Sexually Transmitted Diseases, Viral
Sexually Transmitted Diseases
Immunologic Deficiency Syndromes
Immune System Diseases
Lamivudine, zidovudine drug combination
Reverse Transcriptase Inhibitors
Nucleic Acid Synthesis Inhibitors
Enzyme Inhibitors
Molecular Mechanisms of Pharmacological Action
Anti-Retroviral Agents
Antiviral Agents
Anti-Infective Agents
Anti-HIV Agents