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Mortgage Broker Registration Application
The New York State Department of Financial Services accepts new Mortgage Broker applications through the Nationwide Mortgage Licensing System (NMLS). All new applications for registration must be submitted through the online NMLS application process.
Submitting a Complete Application
To ensure that your application is received, acknowledged as complete, and processed, please follow the instructions below. No application shall be deemed to be complete until the Department has received all required information, documents, and fees. If an application is determined to be incomplete, the applicant will receive a written notice identifying the items and matters that must be addressed for the Department to continue the application review process.
If a complete response fully addressing all such items and matters to the satisfaction of the Department is not received within 30 days of sending such notice, the application will be considered withdrawn. Any applicant seeking a license following the withdrawal of an application must submit a new application that must include all required information, documents, and fees.
Access to NMLS
To gain access to NMLS, the applicant must submit a form requesting an NMLS account. The Company Account Request Form can be accessed at mortgage.nationwidelicensingsystem.org.
Note: If the applicant already has access to NMLS, you do not need to submit this form.
In the application process, an NMLS Identification Number will be assigned to your application. Please maintain a record of this NMLS Identification Number as it will be used as your application reference number throughout the remainder of the application process. The applicant's NMLS Identification Number must be included on every hard-copy document submitted to the Department of Financial Services.
Once access to the NMLS database is confirmed (i.e., you receive your company user account and password), you can submit an application through the system to become a New York registered mortgage broker.
Note: If the applicant has already submitted Forms MU1, MU2, and MU3 through NMLS for another state, the applicant does not need to re-enter the company record into NMLS. However, the applicant is required to provide jurisdiction-specific information to support its New York State application.
Applicants for a mortgage broker registration are required to pay the following non-refundable fees:
- Investigation fee: $1,500
- Fingerprint processing fee: $102.25
- Branch office fee: $500 (for each additional branch requested)
Notice of Receipt of Application
After all required components of the application, including the hard-copy and jurisdiction-specific documents, are received by the Department, a notification confirming receipt will be mailed to the applicant.
Please note that the notice of receipt is based on an initial review and additional materials may be requested during the processing of the application.
Weekly Bulletin Publication
Applications deemed complete are published in the Department's Weekly Bulletin every Friday. The Weekly Bulletin can be accessed via the following link: http://www.dfs.ny.gov/reportpub/wb.htm.
Approval or Denial
After the application has been processed, the applicant will receive written notification of the approval or denial of the application. If the application is approved, the applicant will be required to submit a surety bond and take part in a conferral meeting, after which a Mortgage Broker Registration Certificate will be issued.
If the application is denied, the applicant will receive notification of denial.
General Instructions
- Each applicant must designate a person or persons to serve as the Qualified Person ("Qualifier") to be in charge of the mortgage loan origination activities and be actively engaged in the operations of the applicant. Such person must have two years verifiable experience in the business of credit analysis or underwriting of residential mortgage loans or similar lending and credit evaluation experience, as evidenced by a letter from his/her prior employer or from an attorney with whom he/she has previously done business. The letter must include a description of the actual responsibilities of the Qualifier and attest to personal knowledge of said responsibilities. New York State licensed attorneys and real estate brokers are exempt from the two year experience requirement.
The Qualifier must be designated and entered in the Qualifying Individual field in Form MU1. The person designated must either be an owner, general partner, trustee, or executive officer of the applicant and must be a New York State licensed Mortgage Loan Originator. The Mortgage Loan Originator application may be filed concurrently with the Mortgage Broker application. A Form MU2 must be completed for the Qualifier.
- Foreign corporations must obtain authority from the Secretary of State to conduct business in the State of New York prior to submitting an application through NMLS to become a New York State registered mortgage broker.
- Each registrant must list the names of each control person that directly or indirectly owns 10% of more of the voting stock of the registrant, or possesses the power to direct or cause the direction of the management or policies of the registrant. Form MU2 must be completed for each control person, director, and the three most senior executive officers.
- The Department does not require the applicant to have a Registered Agent physically located in the State of New York. Corporations, limited liability companies, and partnerships that have not engaged an agent for service of process in the State of New York can use the following address to complete the Registered Agent section of Form MU1: New York Department of State – Division of Corporations, 99 Washington Avenue, Albany, NY 12231. Sole proprietors located outside the State of New York can designate the Superintendent of Financial Services, located at New York State Department of Financial Services, One State Street, New York, NY 10004.
- Pursuant to General Regulations of the Banking Board Part 38.1, the Department will not issue you a Mortgage Broker Registration Certificate while you are employed in the mortgage business with another firm. If you are currently employed in the mortgage business, you must submit a letter addressed to the Department confirming your intention to resign your current position upon notification of the approval of your mortgage broker registration. This letter must be submitted with your application.
- Applicants are reminded that each employee originating mortgage loans on behalf of the applicant, as well as all branch managers and the Qualifier, must obtain authorization from the Superintendent to engage in mortgage loan origination activities.
- Applicants must complete and submit a branch office application Form MU3 for each additional branch office requested as part of this application.
Jurisdiction-Specific Requirements
Jurisdiction-specific requirements, as identified below, must be submitted to the Department within five business days of the submission of your application through NMLS. All submissions of jurisdiction-specific requirements may be made electronically (either via email to email@example.com or uploaded to NMLS). If originals are required, copies may be submitted electronically to help expedite the Department's review, but the originals MUST be mailed in hard copy to the following address:
New York State Department of Financial Services
Attention: Mortgage Banking
One State Street
New York, NY 10004
- NMLS APPLICATION. The applicant will be required to submit an application through NMLS before the Department will accept documentation for New York State jurisdiction-specific requirements.
- CREDIT REPORT. Provide a credit report dated not more than 30 days prior to the filing of the application through NMLS for the three most senior executive officers, each controlling member of a partnership, each director, all direct and indirect principal stockholders of a corporate applicant, and the Qualifier. An applicant that has only two executive officers must substitute the compliance officer for the third executive officer.
Note: If any of the individuals listed above has a credit report that includes derogatory information, the applicant, where applicable, will be required to provide an explanation, including, but not limited to: (1) relevant payoff or satisfaction letters from creditors and/or collection agencies evidencing payment of outstanding obligations or an existing repayment plan, (2) relevant tax lien releases or satisfaction notices or an existing repayment plan, (3) a lender short sale approval letter or loan modification approval, (4) bankruptcy discharge documents, (5) court order(s) vacating outstanding judgments, (6) documentation supporting a medical condition and its financial impact on the individual, (7) documentation demonstrating identity theft and its financial impact on the individual, and (8) a child support enforcement balance and arrears statement or letter.
- SURETY BOND. Provide an original mortgage broker bond in the amount of $10,000 furnished by a surety company authorized to conduct business in New York. The name of the principal insured on the bond must match exactly the full legal name of the applicant as authorized by the Secretary of State of New York. Applicants that cannot obtain a surety bond can execute a Deposit Agreement approved by the Superintendent of Financial Services of the State of New York. The Deposit Agreement requires a pledge of securities or funds of $10,000 valued at the lower of principal amount or market value. Applicants must get prior Department approval to use a form other than the Department's standard form.
Note: Surety bonds are not required to be submitted until the application has been approved. The Department will not, however, issue a registration until the bond has been received.
- LIST OF THREE MOST UTILIZED LENDERS. Submit a list of the three most utilized lenders the applicant is using or intends to use in originating mortgage loans.
Note: Lenders must be banks, New York State registered mortgage bankers, or entities exempted from licensing under Article 12-D of the New York Banking Law.
Domestic Companies (entities incorporated or chartered in the State of New York) provide the following:
(A) An original Certificate of Good Standing, if the applicant has been incorporated for more than six months, and
(B) One of the following:
- Certified copy of certificate of incorporation and filing receipt (if a corporation); or
- The Articles of Organization and Operating Agreement (if a limited liability company); or
- Partnership Agreement or Trust Agreement (if a partnership or established pursuant to a trust).
Foreign Companies (entities incorporated or chartered outside the State of New York) provide the following:
(A) Certificate of Good Standing from the New York Secretary of State if the authority to conduct business in New York is more than six months old; and
(B) One of the following:
- Copy of filing receipt and certified copy of Application for Authority from the New York Secretary of State; or
- Copy of filing receipt and certified Certificate of Fictitious Name from the New York Secretary of State if you filed for a fictitious name; and
(C) One of the following:
- Certified copy of certificate of incorporation and filing receipt from the Secretary of State for the state in which the entity was incorporated or chartered (if a corporation); or
- The Articles of Organization and Operating Agreement (if a limited liability company); or
- Partnership Agreement or Trust Agreement (if a partnership or established pursuant to a trust).
- PERSONAL FINANCIAL STATEMENTS. The three most senior executive officers, each controlling member of a partnership, each director, all direct and indirect principal stockholders of a corporate applicant, and the Qualifier must submit a personal financial statement as of the date of the filing of the electronic application for the most recent quarter and year end. An applicant that has only two executive officers must substitute the compliance officer for the third executive officer.
- PERSONAL QUESTIONNAIRE. The three most senior executive officers, each controlling member of a partnership, each director, all direct and indirect principal stockholders of a corporate applicant, and the Qualifier must submit a personal questionnaire. An applicant that has only two executive officers must substitute the compliance officer for the third executive officer.
- RESUME. The three most senior executive officers and the Qualifier must submit a resume.
- LITIGATION AFFIDAVIT. The three most senior executive officers, each controlling member of a partnership, each director, all direct and indirect principal stockholders of a corporate applicant, and the Qualifier must submit a litigation affidavit. If applicable, also provide a letter from the applicant's attorney detailing any pending litigation and the most likely outcome. An applicant that has only two executive officers must substitute the compliance officer for the third executive officer.
- OTHER TRADE NAMES. If the applicant will be operating under a name other than its legal name, such as a "D/B/A" or "fictitious" name, provide a file-stamped copy of the Certificate of Assumed Name from the Secretary of State of New York. Sole proprietors using an assumed name "D/B/A" must provide a copy of the filing receipt from the county clerk's office.
- FINGERPRINTS. For the three most senior executive officers, each controlling member of a partnership, each director, all direct and indirect principal stockholders of a corporate applicant, and the Qualifier, fingerprints must be submitted to the Department as instructed. An applicant that has only two executive officers must substitute the compliance officer for the third executive officer.
- AFFIRMATION. Provide an affirmation stating that the applicant will immediately notify the Superintendent of any changes to the information furnished in the application and that a designated officer has reviewed the application and certifies that the application does not contain any untrue statement or omission of material facts.
- CORPORATE RESOLUTION. Provide an original corporate resolution designating the officer authorized to execute the application on behalf of the entity. The resolution must be signed by the corporate secretary and bear the seal of the corporation. For partnership or trust entities, provide a resolution signed by a managing member, general partner, or trustee designating the officer authorized to execute the application on behalf of the entity.
- DISCLOSURE QUESTIONS. Provide complete details of all events or proceedings for any "Yes" answer to any of the disclosure questions (found on NMLS) for the company or the three most senior executive officers, each controlling member of a partnership, each director, and all direct and indirect principal stockholders of a corporate applicant. An applicant that has only two executive officers must substitute the compliance officer for the third executive officer.
- BUSINESS PLAN. Provide a business plan outlining marketing strategy, products, target markets, and operating structure the applicant intends to employ in its mortgage brokering activities within the State of New York.
The applicant's business plan must specifically address: (i) aggregate volume of loans originated in states already licensed or registered, if any; (ii) projected New York mortgage banking volume in dollars and number of loans; (iii) technology platform employed in originating loans; (iv) source of business (e.g., real estate referrals); (v) types of loan products offered; (vi) demographics the applicant intents to solicit; (vii) operating platform (e.g., wholesale or retail); (viii) aggregate funding facilities; and (ix) whether the applicant anticipates establishing a physical location in New York.
- FAIR LENDING PLAN. Submit a fair lending plan addressing how the applicant ensures that loans are made in conformance with fair lending laws.
- CERTIFICATE OF COMPLIANCE. All applicants must certify that they are in compliance with Section 296-a of the Executive Law prohibiting unlawful discriminatory practices in relation to credit.
- COMPLIANCE PROGRAM. Provide a summary of the applicant's compliance program. The summary should address: (i) employee training, (ii) method of delivering training to employees, (iii) frequency of training, (iv) training timeline for newly hired employees, (v) frequency of compliance reviews, (vi) compliance risk rating methodology and escalation process, and (vii) compliance oversight and reporting structure.
- WORKERS' COMPENSATION. All applicants must submit evidence of compliance with workers' compensation law (Workers' Compensation Law, Section 57) and insurance disability law (Disability Law, Section 220, Subd. 8). To comply with the provisions of the workers' compensation law and insurance disability law, a business must be (i) legally exempt from obtaining workers' compensation of disability benefit insurance coverage, (ii) obtain workers' compensation and disability coverage from an insurance carrier, or (iii) be self-insured or participate in an authorized group self-insurance plan. Such evidence may take the form of (i) an exemption letter from the Workers' Compensation Board, (ii) an insurance carrier insurance certificate, or (iii) an approval for self-insurance from the Workers' Compensation Board.
- LEASES. Provide copies of leases and subleases, if applicable, for all locations the applicant seeks to register. Leases must meet the following requirements:
- Must be for commercial use;
- Must be fully executed in the name of the applicant by an executive officer of record;
- Must provide for the tenant's exclusive use and specifically allow for use as a mortgage broker;
- Must sufficiently describe the location of the premises (e.g., in addition to address, it must indicate floor and suite number and/or office number);
- Must have at least 6 active months remaining on the lease at the time of registration;
- Must include the printed name of any signatory, the company name, and the title of the signatory beneath the signature;
- Must include all assignments, modifications, and amendments; and
- Must specifically allow for a sublease if a sublease is being submitted, as evidenced by a landlord consent letter.
The Department may request additional information for processing.
- MANAGEMENT AND ORGANIZATIONAL CHARTS. All applicants must submit an organizational chart showing the operating management structure, reporting lines of executive officers, and operating committees. Also, separately identify compliance reporting and internal audit structure. In addition, if the applicant is owned by another entity or entities or person, or has subsidiaries or affiliated entities, applicants must also submit an organizational chart for those entities. Applicants must clearly delineate ownership structure, subsidiaries, and affiliated relationships.
- WEBSITE QUESTIONNAIRE. All applicants are required to complete a website questionnaire relating to the compliance of the applicant's website with federal advertising requirements.
- DUAL AGENCY AFFIDAVIT. If a mortgage broker, mortgage banker, branch manager, or other person having a relationship with the applicant company holds a real estate broker or salesperson license or functions as an attorney on residential mortgage transactions, or if the branch office is physically located on the premises of a real estate agency, a Dual Agency Affidavit must be submitted.
- WORD APPROVAL (if applicable). Entities that wish to engage in business involving residential mortgages on owner-occupied one-to-four family residential properties must secure the prior approval of the Superintendent to use certain words (Loan, Mortgage, Finance, Investment) or any derivative thereof in Business Names, Assumed Names (D/B/A), or Fictitious Names.
Waiver Requests: Consistent with the New York Banking Law and the Superintendent's Regulations, the New York State Department of Financial Services may, in its discretion and in limited circumstances, consider requests for waiver of certain informational requirements applicable to individuals, such as individual owners owning indirectly 10 percent or more of the voting stocks of an applicant or of the voting stocks of an entity that directly or indirectly owns 10 percent or more of the applicant, where it determines the waiver will not adversely impact the application process or the ability of the New York State Department of Financial Services to adequately determine the character and fitness of an applicant. Any waiver request should be in writing and submitted to the Deputy Superintendent of Mortgage Banking. Consideration of any waiver request will be fact specific and may require submission of substantial supporting documentation. Waiver requests may be granted subject to conditions.
In considering a waiver request, the New York State Department of Financial Services may take into account factors such as any publicly available information that would provide the Department with sufficient insight into the background and financial status of the individual or individuals for whom the waiver is sought, lack of any direct or indirect control, influence or oversight by such individual or individuals over the management or operations of the applicant, including serving on the board of directors of the applicant or acting or functioning as a director or officer of the applicant, or any ability, whether direct or indirect, to appoint or dismiss any members of the management, the board of directors or similar officials of the applicant. Additionally, the Department may take into account any evidence of regulatory concerns regarding the applicant, its officers and directors, as well as any supplemental information submitted to determine if existing regulatory oversight, due diligence or other available or utilized processes are comparable to the Department's application due diligence process. Any waiver request should address the above factors. Furthermore, in the process of reviewing and considering the application, the Department may request additional information and supporting documents.
If you require assistance in using the NMLS database or logging into the system, please contact the NMLS Call Center at (855) 665-7123.
For New York State jurisdiction-specific requirements, please contact us via e-mail at firstname.lastname@example.com.
Updated 06/03/2014
Department of Financial Services
Consumer Quicklinks
Industry Quicklinks
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Sign up online or download and mail in your application.


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Weddle's Syndicated Content:
The Job Seeker With the Dragon Tattoo
By now, you've probably heard of Stieg Larsson's best sellier, The Girl With the Dragon Tattoo. For those who haven't yet read the book, it's (sort of) a murder mystery intertwined with the self-identity quest of a young woman with distinctive body art. While all of the plot's secrets are revealed by the end of the tale, one question is never addressed: what's the meaning of the dragon tattoo? The answer is especially important to job seekers.
Lisbeth Salandar - the girl with the dragon tattoo - is the antithesis of the conventional girl next door. She's amply pierced and decorated and socially maladroit. She's also an expert in her field. Whatever her difficulties with "normal" people, she can bring a computer to life.
Her specialty is probing online communications and Web-sites for private information. That expertise leads her to work with a journalist who's trying to solve a decades-old mystery surrounding a missing person.
You'll have to read the book to find out how the mystery gets solved. But, Lisabeth Salander is another story altogether. She's a complicated figure with a lot of baggage.
Her past has so many dark corners, it makes a polygon look straight. In fact, her history is so overwhelming, it has the power to shape both her present and future. If she lets it, the damage done to her by others could poison her perspective and ultimately eviscerate her hope. And, it's that possibility which brings us to the dragon tattoo.
What Does the Dragon Tattoo Mean for Job Seekers?
The conventional view, of course, is that dragons symbolize the danger in our lives. They are the embodiment of evil in many a knight's legend and child's fairy tale. Whether they're breathing fire or swinging their spiked tails, dragons wreck havoc on innocent people.
And, Lisbeth has certainly had more than her fair share of such figures in her life. She suffers through a cruel stepfather, an evil guardian and even malicious street thugs. So, why is she portraying their symbol on her body?
The answer is in its location. Lisbeth's dragon tattoo is on her back. She put it there to prove she has vanquished the beasts in her life. Their evil is behind her. They no longer have the power to influence the way she sees her present or her future.
That's not the case, unfortunately, for a lot of us who are in transition. The dragons are still wrecking havoc in our lives. In fact, they are hurting us in two ways.
The loss of a job or a frustrating job search can derail our career and set us back financially. It can also poison our perspective and eviscerate our hope. The first brings hardship, to be sure, but hardships can be overcome. The second, however, causes despair, and despair can be a debilitating affliction.
So, here's my advice for 2012 (and every year thereafter):. Follow Lisbeth's example. Be very good at what you do AND put your dragons behind you. Stamp out their power to shape your present and your future.
Yes, that's easier said than done, but think of it as getting a spiritual tattoo. It'll hurt a little in the beginning, but the final result will be permanent ... and an unforgettable symbol of your courage and determination.
Thanks for reading,
Visit my blog at Weddles.com/WorkStrong.
January 2012
© Copyright 2011 WEDDLE's LLC. All Rights Reserved.

subset: commoncrawl


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Rhetorical mode is the variety, purposes and conventions of major writing methods. Some of the best known rhetorical modes include exposition, description, augmentation and narration.
It is important to note that these modes are not monolithic. Narrative modes, for example, contain a group of events bound by a unifying theme. But, narrative modes rarely consist of only a sequence of events.
According to Richard Jewell from the English Department at Inver Hills Community College, there are dozens of subject presentation strategies, with modes being one of the basic ones used. Since the ancient Greek times, rhetorical modes have been used by instructors to teach public speaking and writing, among other things. By knowing the modes, a person stands a chance to understand the methodology or organization of most kinds of writings and presentations.
California State University further states that the subject is suspended in time, allowing the writer to use his or her senses to place the reader in the essay's environment. The writer can choose to be either objective or subjective. Rhetorical modes are an excellent platform to use for writing a paper. It states that a rhetorical mode gives a learner an opportunity to practice the mode's pure form in an extended way.


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Originally posted by VeritasAequitas
reply to post by FriedBabelBroccoli
Do not construe duality as meaning altered state of consciousness. Entheogens induce altered states of consciousness, why they are illegal, as do the vibrations and effects of magnets you mentioned. By the way of which, Queen Cleopatra had a habit of wearing a magnet stuck to her forehead because she said it helped her to maintain a youthful appearance (by the magnets stimulating the Pineal gland and the melatonin production that regulates the bio-rhythmic clock), and is also mentioned in the Emerald Tablets. Thoth tells you to ensure longevity to meditate for periods of time with the top of your head alined to true magnetic north, and your feet aligned down. The king's sarcophagus in the Great Pyramid is situated in this exact same way; which I think gives more weight to the theory I posted in Ancient Civilizations about Thoth really building the Great Pyramids, and later dynasties only adopting them. I believe a lot of the records are older than they are dated to be. Too much stuff surrounding the Pyramids and Sphinx to ignore the time period it points to.
The altered states of consciousness are due to the activation and stimulation of the Pineal gland to some degree. Not considered a full 'awakening', however they are a prepping for us.edit on 25-7-2012 by VeritasAequitas because: (no reason given)
Originally posted by alienreality
I have seen legions of hells angels all looking at me and sneering their hatred, I could hear them telepathically telling me they were going to get me and do this, and that, etc, etc.. They of course used the most foul language possible in english to describe things..
I told them all off by telling them their souls would be cast into an eternal lake of fire, and they really got pissed and screamed out loud and all scattered into the wind right before my eyes..
I do not buy some of the things Ancient Astronaut Theory claims but it is absolutely possible to have been visited, since I do not dismiss all the ancient texts as lies. In this manner we are on the same side, you believe the events in the Bible happened, I think it is possible some of the events to have happened (and do not believe just think is possible) - better described in the Sumerian texts which are the source, not the modified religions that emerged after that.
Originally posted by VeritasAequitas
reply to post by resoe26
Because we are stirring an alternative side to a debate in order to stimulate intellectual growth, as the philosophers of old did.
By the way, the whole Noah's covenant with the Rainbow was an allusion to the chakra centers that follow the same color pattern.
Originally posted by tastypavlova
YES THIS!!! God warned me about these things, and they will come with a message of false hope and security, and lure people into believing lies, and cause great harm to Christians who will eventually be punished.
1. Aliens in the Book of Revelation?
"The sixth angel poured out his bowl on the great river Euphrates, and its water was dried up to prepare the way for the kings from the East. Then I saw three evil spirits that looked like frogs; they came out of the mouth of the dragon, out of the mouth of the beast and out of the mouth of the false prophet. They are spirits of demons performing miraculous signs, and they go out to the kings of the whole world, to gather them for the battle on the great day of God Almighty... Then they gathered the kings together to the place that in Hebrew is called Armageddon."
- Rev 16:12-19, 21
Dr. David Allen Lewis & Robert Shreckhise postulate,
"In Chapter Sixteen it speaks of three alien beings who go forth to deceive the rulers of the Earth. [The three aliens in Revelation Sixteen have an amphibian or reptilian appearance... So here we read about three frog-like unclean spirits… They are not actually frogs, but "like" frogs. Probably that describes their alien features or appearance..."
- Dr. David Allen Lewis & Robert Shrekhise, UFO: End-Time Delusion , pgs. 46-47
Their description is of these frog-like entities leading the kings of the earth together, prior to Christ's return, preparing for the battle of Armageddon.
Paradox Brown, expounding upon this possible connection, similarly writes:
"...But note that John doesn't say the three evil spirits "ARE three frogs". He says they "looked like frogs"... Let's say that John was shown in his Revelation vision an image of something he had never seen before... It makes sense that if John didn't know what this creature was, and had never seen anything like it, that he would describe it as "looking like" something he was familiar with. John chose a frog. But if John had never seen this creature before, that doesn't mean we never have. Closer to Jesus' return in linear time than John, and closer to the book of Revelation being fulfilled, it stands to reason that we may have become familiar with this frog-like creature, even though John was not...
I propose that the culturally common image of a "gray alien" looks much like a frog...
"1. Frogs and "gray aliens" both have large eyes, and similar facial features.
... large heads and black "wrap around" eyes... slit mouth and no nose to speak of...
"2. Frogs and gray aliens have similar hand and finger structure....From Wikipedia on Gray aliens, "Hand is generally described with four fingers and no thumb with slight webbing between fingers. Two fingers appear longer than the others...
Alien hand artist depiction Frog feet
"In "Space Travelers and the Genesis of the Human Form", by Joan D'Arc, she says, "...the alien gray... fingers are long and thin, and generally with rounded pads or bulbs at the end... There are usually 4 fingers and a thumb, but sometimes 3 fingers and a thumb are noted." Frogs also are known for having rounded pads or bulbs on their fingertips... Below a frog is compared to a sketch by abductee Colin Wright, who sketched a "gray alien's" hand based on what he saw during his "alien abduction" experience in 1992 with a "gray alien". The resemblance is striking, note the long fingers and bulbs.
"3. Both "gray aliens" and frogs have no distinguishable external genitalia...
"4. Frogs and gray aliens both have no hair. "Frogs have no hair." [6]
Wikipedia says of gray aliens, "Head generally described as hairless, sometimes a slight fuzz. Bodies are hairless." So both "gray aliens" and frogs are hairless.


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1971 Spiegels Christmas Catalog.
1972 Spiegel Christmas Catalog.
About this website.
This website was designed/made to inspire doll collectors that collect vintage fashion clone dolls. it was made to encourage and educate collectors that these little known fashion dolls were an important part of the vintage fashion doll era before Barbie ruled the fashion doll world. you will learn throughout each part of this website of each fashion dolls history, family, company,clothing line, doll ads/catalogs, little known facts, you will also learn of the dolls I have or I'm looking for in the doll descriptions and more. I hope this website will encourage collectors to collect, share information that they learned from this website and their own experiences and show/share their own doll collections to educate other people that know very little information.
Remember doll collecting isn't a competition, it is not about who has more or better dolls then someone else, it also isn't about who has a better website then someone else. Doll collecting is about having fun, its a growing and learning experience as a collector to educate other people about these little known dolls to show other collectors that these dolls were an important part of doll history in their own way. you will be amazed that some of these dolls were more desirable and collectible then Barbie and each clone had their own specialty's meaning they had their own special ability's when it came to their doll design something Barbie didn't have.
Remember this isn't a competition there are plenty of dolls to go around for everyone, you'll be amazed of the many dolls that a collector will find. there are still many duplicates of the same doll to find but it just takes time to find them all cause most are rare.
note: vintage fashion dolls are made for the adult collector since they're in a delicate state since they were made 50+years ago and are not for children.
note: pictures on this website may not be copied without my permission unless my permission is granted.
note: if a picture description says reference only, it means I borrow the photo from a online source or online auction and used it for information.
Remember to collect, play, learn, educate and share.
Who I Am.
My name is Emmanuel Perez,
I'm from the United States. I collect vintage fashion clone dolls mostly from 1960s to 1990s, I mostly collect dolls that were made in North America and Europe, I've been collecting for almost 8 years now I've learned and grown as a collector throughout the years from my own experience and from other collectors that thought me so much about dolls! from this day forward I have helped and educated many collectors about clone dolls from my own knowledge and experience in collecting dolls. my website has helped many doll collectors and none collectors from around the world about dolls and it has been a great success, I never thought that this website was ever going to become this popular and it did. I'm proud to say that I'm happy being a collector that likes helping people with information and likes encouraging people to collect.
if you have any questions about any of the dolls I have or have listed on this website please feel free to email me at my new email: email@example.com. or looking for dolls for sale or trade please feel free to email me. most rare dolls I have in my own collection are not for sale.
Attention:my old Yahoo account was having email problems so email me at my new email at: email@example.com
Doll History
The doll history/information I have listed on this website are dolls from the vintage fashion doll era the information is mostly base on dolls from the 1950s,60s,70s,80s,90s, this information I mostly learned from my own experience and other doll collectors. even till this day me and most collectors find new information everyday. and I update this website every two weeks or every month most of the time.
Copyright © 2019 Ken Barbie Clones 1960s-1990s


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Please see below for a list of partner organizations from the 2017 Women's March
9to5, National Association of Working Women
Alliance for Quality Education
Alliance of Nurses for Healthy Environments
The American Association of University Professors (AAUP)
American Association of University Women (AAUW)
American Civil Liberties Union (ACLU)
American Federation of Teachers, AFL-CIO
American Medical Women's Association
Americans for Conservation + the Arts 501c3
Americans for Democratic Action (ADA)
Americans for Indian Opportunity
Americans United for Separation of Church and State
Americas for Conservation + the Arts
Arab American Association of New York
Art and Resistance Through Education
ART NOT WAR / Humanity for Progress
Asian American Legal Defense and Education Fund (AALDEF)
Americans Advancing Justice - AAJC
Asian Americans Advancing Justice - ALC
Asian Americans Advancing Justice - Atlanta
Asian Americans Advancing Justice - Chicago
Asian Americans Advancing Justice - Los Angeles
Asian Pacific American Labor Alliance, AFL-CIO (APALA)
Asian Pacific Environmental Network (APEN)
Association of Black Women Attorneys (ABWA)
Association of Flight Attendants-CWA
Black Business Network Exchange
Black Ladies International Incorporated
Black Lives of Unitarian Universalism
Bosnian-North American Women's Association
Brady Campaign to Prevent Gun Violence united with Million Mom March
California Coastkeeper Alliance
California Immigrant Policy Center
Center for Biological Diversity
Center for Constitutional Rights
Center for Educational Excellence in Alternative Settings
Center for Health and Gender Equity (CHANGE)
Center for Justice and Accountability
Center for Relationship Abuse Awareness
The Center For Reproductive Rights
Children's Firearm Safety Alliance
Civil Liberties & Public Policy Program
Coalition Against Gun Violence
Coalition for Asian American Children & Families (CACF)
Coalition of Labor Union Women
Coalition for Post Tubal Women (CPTwomen)
Coalition to Stop Gun Violence
Communications Workers of America
Communities United for Police Reform
Connecticut Juvenile Justice Alliance
Council on American Islamic Relations (CAIR)
Council on American Islamic Relations - Connecticut (CAIR-CT)
Council on American Islamic Relations - San Francisco Bay Area
Covenant Baptist United Church of Christ
Dayton Women's Rights Alliance
The DC Alliance of Youth Advocates
DC Survivors and Advocates for Empowerment
Democratic Socialists of America
Democratic Women of Sullivan County
East Coast Asian American Student Union
Empowerment Self-Defense Alliance
Federation of Protestant Welfare Agencies
Free Minds Book Club & Writing Workshop
Genders & Sexualities Alliance Network (GSA Network)
Georgetown University College Democrats
Georgia Latino Alliance for Human Rights – GLAHR
GLBTQ Legal Advocates & Defenders (GLAD)
Global Citizen & CHIME FOR CHANGE
Grassroots Global Justice Alliance
Green Building Pages | Green Product Pages
The Human Right to Family Planning Initiative
Indian American Democratic Club
International Association for Feminist Economics
International Domestic Workers Federation
International Women's Convocation
International Women's Health Coalition
J.O.I. Strategies - Justice Opportunity & Inclusion
Japanese American Citizens League
Jewish Council on Urban Affairs
Jewish Social Justice Roundtable
Jews for Racial & Economic Justice (JFREJ)
Kentuckians For The Commonwealth (KFTC)
Korean American Resource and Cultural Center
Koreatown Immigrant Workers Alliance
The Kyle Jean-Baptiste Foundation Inc.
Labor Council for Latin American Advancement
Labor Project for Working Family
Lawyers Committee for Civil Rights Under Law (LCCRUL)
Leadership Conference on Civil & Human Rights (LCCHR)
League of United Latin American Citizens
Massachusetts Immigrants and Refugees Advocacy Coalition
Mexican American Legal Defense and Education Fund
Michigan Council on Crime and Delinquency
Midwest Asian American Students Union (MAASU)
Minnesota Coalition Against Sexual Assault
Moms Demand Action for Gun Sense
NAACP Youth & College Division
NARAL Pro-Choice America Foundation
National Asian Pacific American Women's Forum (NAPAWF)
National Association of Social Workers
National Black Food Justice Alliance
National Center for Lesbian Rights
National Center for Transgender Equality
National Coalition Against Domestic Violence (NCADV)
National Coalition for Asian Pacific American Community Development
National Coalition of Barrios Unidos
National Coalition of Black Civic Participation
National Community Reinvestment Coalition
National Conference of Puerto Rican Women
National Council for Incarcerated and Formerly Incarcerated Women and Girls
National Council of Jewish Women
The National Crittenton Foundation
National Domestic Workers Alliance
National Education Association
National Institute for Reproductive Health
National Juvenile Justice Network
National Korean American Service and Education Consortium (NAKASEC)
National Latina Institute for Reproductive Health
National Network for Arab American Communities
National Newspaper Publishers Associations
National Organization for Women (NOW)
National Partnership for Women & Families
National Rainbow PUSH Coalition
National Women's Coalition Against Violence & Exploitation (NWCAVE)
National Women's Health Network
National Women's History Project
National Women's Political Caucus
The National Workplace Bullying Coalition
National Youth Advocate Program, Inc.
The Natural Hypertension Institute
Network for Victim Recovery of DC
The Network of Arab-American Professionals
New Yorkers Against Gun Violence
The New York Immigration Coalition
New York State Nurses Association (NYSNA)
New York Women Social Entrepreneurs
The Next Four Years - Milwaukee
Nuclear Information and Resource Service
OCA - Asian Pacific American Advocates
Ohio Coalition Against Gun Violence
Omega Women's Leadership Center
Physicians For Reproductive Health
PNHP, Physicians for a National Health Program
Positive Women's Network NYC Chapter
Psychologists for Social Responsibility
Raha Iranian Feminist Collective
Raising Women's Voices for the Health Care We Need
The Resource Center for Nonviolence
Rhode Island Coalition Against Gun Violence
San Francisco Asian Women's Shelter
Smith College Club of Washington
Social Accountability Work Group
Solidarity Movement for a New Ethiopia (SMNE)
South Asian Americans Leading Together (SAALT)
South Asian Americans Leading Together
St. Mark's Episcopal Church, Capitol Hill
Stand Up! for Democracy in DC (Free DC)
States United to Prevent Gun Violence
Students Resisting Trump, a project of SFER Action Network
The Susan Jolley Awareness Program
Turning Point Suffragist Memorial Association
Unitarian Universalist Association
Unitarian Universalist Church of Buffalo
Unitarian Universalist Women's Federation
United Progressives of New Hampshire (UPNH)
United Teachers of Richmond CTA/NEA
URGE: Unite for Reproproductive & Gender Equity
Virginia Democratic Women's Caucus
The Voter Participation Center
WomenNC - NC Committee for CEDAW/CSW
Women of Color in the Global Women's Strike
The Women Worldwide Initiative
Women's Action for New Directions (WAND)
Woman's Democratic Club of Montgomery County, Maryland
Women's Environment and Development Organization
Women's Earth and Climate Action Network (WECAN)
Women's Health Specialists of California, Feminist Women's Health Center
The Women's Information Network (WIN NYC)
Women's International League for Peace & Freedom US Section
Women's Learning Partnership for Rights, Development and Peace
Women's National Democratic Club (WNDC)
Women's Voices Women Vote Action Fund
YWCA Seattle | King | Snohomish


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Let's face it: A lot of folks won't recycle unless it's almost effortless. Sure, there are the dedicated folks who read all the instructions by the county and their communities and make sure all the right stuff gets to the right places. But you only have to look at the size of our landfills and the trash along our streets to see that far too many still march their old TV's, computers, and you-name-it to the curb whenever the idea occurs to them. We are a long way from Zero Waste—which is the Holly Grail of sustainability. Zero waste is a philosophy that encourages the redesign of resource life cycles so that all products are reused. Any trash sent to landfills is minimal.
Landfills, for all their salient convenience (throw all your stuff in a great big hole and forget about it), are not good for our environment. Meaning, landfills do not a sustainable environment make. What little methane gas we burn for energy from rotting biomass (about 20% if we are lucky and the rest goes into our atmosphere as a very potent greenhouse gas) is nothing compared to the mountains of stuff that cannot be reused as resources, but must be dug anew from our land. A landfill is simply a black hole for those who think that stuff disappears when we are done with it. Trust me, it doesn't. In fact what we need is not a delusional disappearing act, we need a waste stream that is green all the way down—meaning some kind of universal waste stewardship standard to make sure waste gets treated properly and never contaminates.
Our county and state government have recently ramped up their efforts to get junk out of landfills and recycled properly with the passage of the expanded plastics measure, the new ECOPark (that will be a one-stop-shop for the disposal of everything not accepted by refuse haulers), and the The Electronic Equipment Recycling and Reuse Act - NYS Dept. of Environmental Conservation. But even when offered a myriad of places to recycle--hazardous waste and pharmaceutical drop-offs, recycling business, non-profit groups that take hard to recycle stuff for you, non-profit donations centers where you can have your stuff reused, and special recycling events--many just want their items gone—not a lecture or a long search. They want instant trash be-gone gratification.
Also, many folks don't like the government telling them what to do, like fining them if they don't recycle properly. For them the market system becomes the Holy Grail so that all your trash pays you back. As you guessed it, there are folks working on that:
Taking It Back "Material makers will have to adapt to help consumer goods firms fulfill product stewardship goals | "Begin with the end in mind." It's one of the seven habits of highly effective people, according to leadership guru Steven R. Covey. Highly effective consumer products companies are leaders at prototyping, consumer research, and creating inviting retail environments because, for them, a happy customer is the ideal end state. But companies are starting to recognize that their products have a life after the customer, and that life often isn't pretty. A cell phone, a car tire, or a plastic bottle will, more often than not, be thrown away after use. But "away" is not a mythical nonplace; it usually means either a landfill or trash incinerator. All three objects are made with materials that can be recycled, and increasingly they are being recycled. In the U.S., 34% of municipal solid waste was recycled in 2009, versus 10% in 1980, according to the Environmental Protection Agency. For the most part, however, the products consumers use every day were not designed with any end-of-life destination in mind." (Aug 1, 2011) Chemical and Engineering News
But it's not going to be easy. How would the market create a waste system that doesn't cheat, that doesn't allow toxins and other contaminants to be shipped away to be contaminated in other areas, and one that insures that everyone recycles? Governments are the only folks who can compel those who don't want to recycle to do so. And, of course, there will be those (as there always are) who say their freedom to trash the planet is secured in the US Constitution. (Even if it is, we'll be knee-deep in trash in no time at all if that loony notion prevails.)
It's not hopeless: There are ways to insure that your neighborhood doesn't turn into one big trash heap. Contact Monroe County and report those who aren't following the law: Reduce, Reuse, Recycle: Recycling Laws and Regulations. In the City of Rochester, report those folks who march their trash days ahead of the pick-up day and refuse to put their stuff in the proper containers so it blows all over the place. Get your neighborhood association to hire folks to pick up trash a few hours a week. Or, go to the Rochester Sierra Club Zero Waste site and gets some ideas on how and where to recycle in our area. You might even put in a request to their Facebook page for that hard-to-recycle item of yours. There is no limit to the amount of places where you can recycle, once you take responsibility for the health of your planet that you plan to leave to your kids.
Until the day comes when trash magically disappears it will be a threat to our public health, the value of our properties, and continue to contaminate our environment. There are an incredible amount of folks who do care about the proper disposal of trash and when their numbers predominate in a community, you have a clean community. Until then, your government will have to ramp up enforcement and compliance as is happening around the world because living in trash is just not sustainable.


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Grey's Anatomy (2005)
4 continuity mistakes in (As We Know It) (Part II)
Starring: Chandra Wilson, Ellen Pompeo, Isaiah Washington, Justin Chambers, Katherine Heigl, Patrick Dempsey, Sandra Oh
(As We Know It) (Part II) - S2-E18
Continuity mistake: The scene where the bomb explodes shows the bomb squad captain walking toward the end of a hallway. Just as the bomb explodes you can see he is about 5-6 feet away from the end of the hallway where another bomb squad tech is waiting. After the explosion the scene cuts to Meredith flying backwards then to a shot of windows being blown out then back to a rear shot of Meredith hitting the floor. Notice here that a second floor is not visible at the end of the hallway. The scene finishes with a final aftermath shot of the hallway as the debris settles. Here we see an entirely different hallway with a visible second floor and the end of the hallway extended by about 10 feet.Viperkun
(As We Know It) (Part II) - S2-E18
Continuity mistake: When Christina notices the bomb squad moving Meredith down the hallway with the gurney, she leaves the room and removes her scrub jacket and hands it to a nurse. When she is out in the hall and reaches them, she suddenly has the scrub jacket back on again. (00:18:50)Hamster
(As We Know It) (Part II) - S2-E18
Continuity mistake: After Alex and Izzie have had sex in the closet, just before Izzie leaves in the first shot her hair is hanging in front of her shoulders. In the next shot as she walks out, it is all pulled back behind them. (00:13:35)Hamster
(As We Know It) (Part II) - S2-E18
Continuity mistake: When Izzie starts kissing Alex in the closet, as he tells her to stop she rests her hand on the back of his head. In the next shot it is on his cheek. (00:09:45)Hamster
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Q. Where are the Eisenhower Stacks?
Many of the books in Catalyst, the JHU Libraries catalog, are listed as being in the Eisenhower Stacks. These are shelved in the Milton S. Eisenhower Library (also known as "MSE" or "MSEL") on the Homewood campus in Baltimore. MSE is the main Hopkins research library, and is part of the Sheridan Libraries.
Use the Request button next to any Eisenhower Stacks title to get the book delivered to SAIS via the daily (Mon-Fri) courier service. You'll receive an email when the book arrives.
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Getting There
Chauvel Cinema – Paddington
Address: 249 Oxford St, Paddington (Cnr Oxford St & Oatley Rd)
Phone: (02) 9361 5398
Sydney City: Bus 378 from Central (Railway Square) or 380, 333 from Circular Quay or Elizabeth Street stop directly opposite the cinema. Alight at Paddington Town Hall.
Eastern Suburbs: Buses 380 and 333 from Bondi Beach and Bondi Junction stops outside the cinema.
Inner West- Bus 352 from Marrickville & Newtown travels to the cinema direct via Sydney University.
Paid parking is available at the St Vincent's Hospital Car Park (access via Victoria Street), a 15 minute walk from the cinema. Parking hours are Mon – Thu 6.30am to 11.30pm; Fri & Sat 6.30am to 1.30am; Sun 6.30am to midnight. Please contact the car park on (02) 8382 3896 for details of parking rates.
Wheelchair access is available. Please take the lift to level 1, Cinema Level to purchase tickets and bar items. Disabled access is available to both cinemas.
Penrith Gaels
Address: Cnr of Glebe Place and Phillip Street
Phone: (02) 4722 8180
Directions from M4
Take the Northern Road exit and head towards Penrith
Drive past the Nepean Hospital on your right hand side
Go through the lights at Great Western Hwy and over the rail line
There is then a set of traffic lights and a garage and Hungry Jacks on Right hand side
Drive through these lights and we are the next turning Right Glebe Place
Kino Palace Cinema – Melbourne
Address: 45 Collins Street, Melbourne
Phone: (03) 9650 2100
Public Transport
Tram routes 109 and 112 (Spring St stop), or Parliament train station
Collins Place Car Park offers Kino Cinema guests free parking during the first two hours of their visit (additional rates apply after two hours). Located at 28 Flinders Lane, the Collins Place Car Park is on the right hand side of the lane, approximately 50 metres from Spring Street. Patrons must validate their parking ticket at the box office for discount. Discount does not apply to prepaid parking.


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Phablets....are they phones or are they tablets?
I went to Verizon yesterday with my parents to assist them upgrading their phones. They both had Droid Razrs. A perfectly suitable phone for their needs. Camera, email, and nice display. They both had mentioned that they (and myself) miss the perfect and wonderful keyboard off of our old Tours we all had. Verizon had the Droid 4 on special for FREE with two year contract. Thought it was done and done! As they we're looking at all the phones the noticed....the Note. (Noticed the NOTE. Get it?)
They're fascination for a physical keyboard was now turned to a massive screen. 5.7" to be exact. Much bigger than the Droid 4's screen. Even if you hold the Note 3 horizontally, the on screen keyboard is bigger than the Droid physical keyboard.
I began playing with the display model and I have to say, it's a fantastic device. I hate TouchWiz, as mentioned in several other posts. That could easily be changed with a launcher though. The S pen functionality is super! Draw a box for quick access to popular apps? Sold. Jot notes down and have the phone convert them into contacts or phone numbers? Brilliant. Fake leather backing? Improvement over cheap plasticy feeling backs like S4.
When we got home with the phones, I read on The Verge and CNET that HTC announced the HTC One Max. A 5.9" screen monster with the same gorgeous HTC One design and aluminum body that made it so great. Spec wise it's the same as the One but with expandable memory, bigger screen, and oh yes...a finger print scanner. Android can do it too Apple.
I still don't understand why phones are tip toeing into tablet territory. It appeals to some, but not me. I have my Droid Maxx and it has a 5" screen. Seems plenty to me. I still want to be able to put my phone in my pocket. Not have to carry it or put it in a bag.
The Note 3 is a fantastic device with the latest internals. Better processor, three gigs of ram, gorgeous display, etc. For my parents, it may be more phone then they can handle. Being Samsung, all the gestures and add-ons will appeal to them. They won't be able to appreciate the pure power that phone has.
I watched them play with them when I got home from class last night and I have to say, it was so much fun. They were like kids on Christmas once they discovered something new they could do. Granted, I'm going to have to be tech support for the rest of my life for them, but it keeps bringing faces like I saw last night, it's worth it.
That's why I'm passionate about technology. Bringing people together and making an impactful difference. Now the bad thing is...I want a Note 3. Dang.


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Middle School Coaches – Spring 2018 (Soccer & Baseball)
Posted By: bstarx1
Francis W. Parker School, Chicago
Robert Starks
Job Description :
Middle School Coaches – Spring 2018 (Part-Time; Begins March)
Francis W. Parker School is seeking applicants to fill the following coaching positions for the Spring 2018 season:
- 7th Grade, Girls Soccer
- 8th Grade, Girls Soccer
- 7th Grade, Boys Baseball
- 8th Grade, Boys Baseball
Regular season practice and/or competition times are between 6:45 a.m. – 8:00 a.m. or 4:00 p.m. and 8:00 p.m. Additionally, some Saturdays are required. The season runs from 3/26/18 through 5/16/18, depending on the sport.
Required Qualifications:
- Ability to communicate with middle school aged student-athletes as well as parents and Athletic Department Administration
- Coaching experience at the middle school level strongly preferred
- Comprehensive knowledge of the game of the sport is required with playing experience preferred
- Experience/familiarity with ISL rules and commitment to youth sports preferred
- Demonstrate excellent leadership skills with student-athletes and assistant coaches
- CPR/AED Certification strongly preferred
How to Apply:
Please send resumes to (no telephone inquiries please):
Robert Starks, Athletic Director
or fax resumes to: 773.797.5597
The faculty, staff and administration of Francis W. Parker School are integral parts of the School's community. Through their passion, dedication and commitment to the School's mission, they create and support an environment where exceptional child-centered learning can occur.
Francis W. Parker School is committed to cultivating a community of dedicated students, parents, faculty and staff, trustees, administrators and alumni, who acknowledge, respect, and esteem diversity in our school; and who reflect, through their presence, the diversity of Chicago communities and the wider world.
Francis W. Parker School is an equal opportunity employer.


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The Seal Beach Sun is the first newspaper that paid me to write.
The exact date escapes me. It was about 1990, maybe 1991. The article, a feature, was about a lifeguard, but I recall little else.
What I remember clearly is the freelance pay: $25. What amounted to gas money also gave me some badly needed confidence that the journalism degree I was pursuing nearby at Cal State Long Beach would lead to a paying job.


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The trendy suburb of Escazu Costa Rica
Escazu Costa Rica has a great choice of bars and restaurants for your entertainment. It is also home to the best shopping mall of San Jose, Multiplaza, and to the modern Hospital La Cima. This is favored by expats or by those coming to Costa Rica for medical care and surgery. A lot of foreigners have settled down in Escazu and in Sta Ana, for its proximity to the city, yet it seems so far away from the bustling San Jose. Escazu is also known for its witches and today there are still commercials named after the famous Witches of Escazu! Furthermore, Escazu is also very close to the Juan Santa Maria International Airport that you can reach by taxi or by Transfer Shuttle.
San Rafael de Escazu
There are two parts of Escazu; San Rafael de Escazu is right at the exit of the highway as you come from San Jose. It is modern and trendy, a good neighborhood with pretty houses, condos and many upmarket restaurants, hotels, bars, lounges and 3D cinemas. It is home to some of the most exclusive Hotels in Costa Rica, with the Holiday Inn San Jose Escazu, the Real Intercontinental, the Hotel Alta, the Marriot Residence Inn and The Hotel Indigo in Santa Ana. There is also a multitude of Bed and Breakfast and smaller inns to choose from. Escazu Costa Rica is also excellent for those who enjoy gourmet food; from Indian food, with the Taj Mahal, to authentic Italian food, with Restaurante D'Bartolo, Spanish tapas, French or Chinese, it seems that the choice is absolutely endless!
The Old Colonial Escazu
As you go up from San Rafael in the mountains of Escazu you will reach the old town of Escazu. This is a lot more traditional than San Rafael, with lots of typical little restaurants and inns. As you keep going up you reach yet another town, San Antonio de Escazu. From there you may visit some outstanding lodges and restaurants, offering spectacular views and outstanding food in a great friendly and elegant ambiance. If you like hiking, you may take a walk up Pico Blanco towards the big cross of Escazu.
At first, the trail is fairly flat. The views are superb and it is still very rural, considering it is so close from the city. The whole hike takes about 3 hours but is well worth it. Another interesting thing to do is the vegetable market on Saturday where you may meet the local people. Mostly people go to the old Escazu and to San Antonio to enjoy the incredible views of the Central Valley.
Escazu, Your Best Alternative While in the Central Valley
Escazu is a great alternative while you are exploring and doing various Tours and visits its museums. Many people in Escazu speak English, as there is a large community of foreigners, yet it has still retained its old Tico flavor. Apart from its great shopping mall, there are many other shops and supermarkets to choose from just about everywhere. It is definitely your best base if you need to be in the Central Valley without having to stay in the big cities.


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PHILADELPHIA – June 5, 2012 – ESP Delivers, LLC, a leading nationwide provider of hosted voip and managed information technology (IT) services, has been selected as the telecommunications provider of choice for the more than 380 Goddard School early childhood center franchises nationwide.
"Our relationship started with corporate ,then a few schools and has now expanded nationwide," said ESP Delivers, LLC Chief Executive Officer Derek Amoroso. "Our dedication to customer service and ease of deployment were the keys to success in becoming their preferred vendor."
Goddard School chose ESP Delivers, LLC because their solution was easily scalable with a uniform solution for each school at the same price. It was also easily rolled out across the entire footprint – even across state lines.
"Goddard School wanted one partner that could handle the deployment coast to coast," Amoroso said. "We greatly simplified the telecommunications needs for their more than 380 schools across 35 states."
Along with simplifying their telecommunications needs, ESP Delivers, LLC was also able to save franchisees money over the traditional phone and cable companies.
"We were able to prove that our solution was cost effective and provided each franchisee with additional benefits," Amoroso said. "They could easily use the system for automated communications with parents and teachers – notifying them of scheduling adjustments and even in event of inclement weather. It provided each center an aesthetically professional look as well."
For more information about what the ESP Delivers, LLC hosted VoIP solution can do for your business, please check out our website at www.espdelivers.com.
About ESP Delivers, LLC
ESP Delivers, LLC is a four-time Philadelphia 100 listed technology consulting firm that provides hosted VoIP PBX solutions, Managed IT Solutions, carrier pricing services, disaster recovery planning and on-site backup to businesses nationwide.
For more information about our company, or for a no-cost review about how we can help your business reduce its technology and telecommunications costs while improving service and quality, please call 877-644-2550 or visit us online at www.espdelivers.com.


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About Us
The British Engineering Manufacturers' Association (BEMA) was founded in 1936 to benefit member companies with mutual help and assistance. Since then the Association has grown considerably and is now a company limited by guarantee but still maintaining the same ethos of common co-operation.
We are the largest engineering trade association in the South West of England with members operating as far north as Worcestershire and south to Cornwall, west into South Wales and as far east as Surrey.
To read more about the history of BEMA visit the history page in this section.
BEMA is an approved centre for EAL Awards Ltd
For further explanation of EAL and SEMTA please click below


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4.8 out of 5 star average customer rating based on 15 reviews - See all reviews
Super Comfortable - 12/11/2017
Reviewer: Allen
This saddle is perfect for me. I was climbing in a sequoia and it was starting to show its age. It took me about three climbs to get it really dialed in and I haven't had to make another adjustment. This thing is a like sitting in my living room recliner compared to the sequoia
I am using it with the MCRS suspenders and a shembiner. Works great!
New tribe hit a home run with this one.
Made for this - 12/10/2017
Reviewer: Rp
This saddle is durable, comfortable, and we'll designed. Owned mine for over a year now, and I love it. Best investment ever. If there was padding in the leg straps, instead of the velcro. That would be nice. But hands down a great saddle. I'm not going to lie. I do love this saddle, but I also want a bad*** TreeStuff t-shirt
Bummer - 12/05/2017
Reviewer: RD
Absolutely love everything about this saddle except for the cheap plastic leg clips. The fit, the ability to customize, everything. Why cheese out and put these on a $500 saddle? Totally bummed. They take zero effort to break on a cold day and your done. Total turn off.
Awesome saddle - 08/16/2017
Reviewer: Alex
I was skeptical at first buying a saddle online that I've never seen or worn. Every time I went to order they were out of stock. When I finally did receive the saddle I was more than surprised with how comfortable it was and how well it fit! It only took a few minutes to set it up the way I wanted. It has surpassed my expectations and I would recommend it to anyone! Thanks for providing an amazing saddle!
Wow! - 07/27/2017
Reviewer: John
There has been a small change in the MB. The SMC rigging plates have been replaced by black Rock Exotica plates. The large hole is empty and faces forward like a lower D. Now, you can hang from your lanyard just like in a tree motion.
The straps on the MB are extra long so you can wear heavy clothing and rain gear and have the saddle loose enough so you can get it all arranged and tucked under before cinching down. In the summer, the ends dangle.
To measure, look to see how your pants belt is fastened, remove it and measure it. That is your waist size, not the size that's on the little tag inside your pants. The government no longer has clothing size standards and pant size no longer has much meaning. This is why even though I gained 30 lbs in 30 years, I still buy the same pant size and my old clothes seem to have shrunk.


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Exploring How to Draw People
Drawing is a language and a powerful tool for communication. Like reading and writing I believe most people can learn and we are all better off when more people can do it. This page is a work in progress, please email me if you have questions or comments - email@example.com
Online Lesson Material:
I put a lot of work into this material. If you find it valuable, please consider supporting my efforts on Patreon. Click on the button for more information. —->
Selected Diagrams:
I keep a collection of online reference material by artists that inspire me here - Pinterest.com/Tanhend
For more perspectives on the material I cover and beyond here is a list of other teachers.
Winter 2019 Classes:
At the Ridgefield Guild of Artists
Teen Figure Drawing
Kids Figure Drawing
Private Lessons
Reference Books:
The Doodle Revolution by Sunni Brown
Rowland B. Wilson's Trade Secrets: Notes on Cartooning and Animation
Drawn to Life: 20 Golden Years of Disney Master Classes: Volume 1 & 2: The Walt Stanchfield Lectures
The Youssef Drawing Syllabus - Movement & Form
Picture This How Pictures Work by Molly Bang
The Figure: The Classic Approach to Drawing & Construction by Walt Reed
How To Draw Caricatures by Lenn Redman
Force: Dynamic Life Drawing for Animators by Michael Mattesi
The Animator's Survival Kit by Richard Williams
Classic Human Anatomy: The Artist's Guide to Form, Function, and Movement by Valerie L. Winslow
Composing Pictures by Donald W. Graham
Anatomy for Sculptors Understanding the human Form
by Uldis Zarins with Sandis Kondrats
The Art & Feel of Making it Real by Mark McDonnell
Head Shots An Artist's Guide To Head Drawing By Karl Gnass
How to Draw Portraits in Charcoal by Nathan Fowkes
Understanding Comics: The Invisible Art by Scott McCloud
Perspective! for Comic Book Artists by David Chelsea
100 Tuesday Tips by Griz and Norm
The Silver Way: Techniques, Tips, and Tutorials for Effective Character Design


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Evolution is as true as gravity:
Not only is evolution fully consistent with the other principles of science, if it were false they would also have to be false.
If evolution is wrong:
· Probability must be wrong. If weak effects of genetic differences don't accumulate over many generations, we must not understand the cumulative effects of recurring rare events.
· Geology must be wrong. If we don't know how to date fossils, we must also not know how to date rocks.
· Biochemistry must be wrong. If biochemical pathways didn't evolve, then metabolism makes no sense.
· Microbiology must be wrong. If viruses don't evolve, we shouldn't keep getting colds and the flu.
· Genetics must be wrong. If natural selection doesn't happen, mutant genes must not be passed on to offspring.
· Physics must be wrong. If evolution hasn't happened, we must not understand the laws of thermodynamics.
· Pharmacology must be wrong. If lab animals aren't our relatives, our drug tests must be giving the wrong results.
· Ecology must be wrong. If we don't know how species change, we must also not know how species interact with their environments.
· Agriculture must be wrong. If the plants and animals we eat didn't evolve by natural selection, we couldn't have improved them by artificial selection.
With young college students (my target audience) I think this may be quite a powerful argument for evolution. Basically, if they believe that scientific research has gotten evolution all wrong, they have to also suspect all the other parts of science and technology that their lives depend on.
But I don't think I've done a very good job with the particulars. I find it hard to twist my mind around the consequences of discarding things I'm confident are true, and I'd welcome any suggestions for improvement.
Here's the second part of the handout:
Evolution is as important as life:
As individuals and societies, we are now making decisions that will have profound consequences for future generations.
· How should we balance the need to preserve the Earth's plants, animals, and natural environment against other pressing concerns?
· Can we preserve endangered species without changing them?
· Should we alter our use of fossil fuels and other natural resources to enhance the well-being of our descendants?
· To what extent should we use our new understanding of genes to alter the characteristics of living things?
· How can we prevent bacteria from becoming resistant to our antibiotics?
Unless we understand evolution we will not be able to make these decisions wisely.
I think this is also not very well done. I lifted most of it from the conclusions of the National Academy of Sciences 88-page report on Science, Evolution and Creationism. If this doesn't get rewritten I'd better remember to credit them in a footnote.


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Are you cooler than these 4-12 year olds? Nope.
Most Radical Pizza Store Ever?
Sizzle Pie is the real pizza shizzle for rizzle.
Half Dozen 02 | Luis Pinto
Let's get you over those hump day blues with a fun chat and some tasty artworks.
Are We Addicted to Our Devices?
With the simple act of removing devices from common scenes, Eric Pickersgill's confronting images highlight how integrated technology has become in our daily lives – sometimes for the worse.
Old Spice Game: Starring You!
Retro style videogame puts you into the amazing world of Old Spice
FB Video Replies
Facebook comments just got much more interesting
Half Dozen 01 | Ari Weinkle
Introducing Half Dozen, a new series of weekly quick chats with creators who push into rad and innovative places with their creations. To kick it off we have a JESS3 team favourite – Abstract artist Ari Weinkle. Woot!
Toy Photography is a WIN
Need a reason to get those figurines out of storage? Here's one – Toy Photography.
Awesome Cartoon Indie Platformer
Cuphead, a new run and gun indie game from Studio MDHR, has been styled heavily using inspiration from 1930's cartoons.
The Queen wears green outfit – internet responds
The Queen became a green screen for her birthday – and yas, it's awesome.


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Wed, 10 September 2008 at 9:52 am
Orlando Bloom is Scott Free
Orlando Bloom and girlfriend Miranda Kerr leave the Maddox Art gallery in Mayfair, England before going into Scotts restaurant on Tuesday.
Mr. Bloom reportedly has been gambling in his free time and was playing craps with Pirates of the Caribbean co-star Johnny Depp and a few friends. Orly supposedly owned Johnny $800,000 when they were done playing! Talk about high rollers!
10+ pictures inside of Orlando Bloom and Miranda Kerr going scott free…
Just Jared on Facebook
Photos: Flynetonline Posted to: Miranda Kerr, Orlando Bloom
Sponsored Links by ZergNet


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Wednesday, March 21, 2012
The magnitude of his gift was beyond understanding...
No one could know the magnitude of the gift he had given her. The white horses belonged to the immortals. The animal was a part of his soul, his way back home and his closest friend. The night he gave his precious gift was a turning point in his existence. There was no where to go but through the darkness. She didn't know it, but she held part of his very soul for the animal was tied to him. The sacrifice was great but his love for her was greater still. He would give his very life for her if it was required. She had held his heart for eternity and she had forgotten what had been.
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I don't want to start to sound like a commercial for Soho Beach House but I just had to post the rest of the interiors. It really is one of the most well designed boutique hotels that I've ever seen. I also think there are a lot of take away decorating ideas that anyone could incorporate into their home.
The Soho Beach House only just opened last October 2010 in what was formerly the Sovereign Hotel. As you can see in the photos, the old sign is still up because they were required to keep it. They also had to keep the pink terrazzo floor in the lobby which they covered with a large area rug.
It was hard to get a good shot of the lobby but it's filled with comfy English style armchairs and little tables. You can dine in the lobby so in some of the evening photos, you'll see the tables are set.
Later in the day, the block the lobby tables with a screen so people walking into the hotel don't disturb the people eating.
I loved the mix of color and patterns though out the lobby and entire hotel.
An evening view of the lobby. It was cozy and clubby. Soho Beach House is a private club but anyone can book a room at the hotel. You then have member privileges for the duration of your stay.
The chandelier was stunning!
The desk in the reception area was eclectic and very chic.
The best part of the lobby were all the gallery walls of art.
It was all in a black and white palette which was interesting.
The doorway leads to the reception desk.
More artwork.
I read that there are over 150 pieces of original art on display at the hotel and I wouldn't be surprised if it was actually more.
It was interesting to see how the lobby area changed as the light through out the day changed.
On the second floor is the Club Bar which extends to an outdoor area that can be covered in inclement weather.
All of the chairs are different but because they are the same shade of brown, they all work together perfectly.
We sat outside here on our first night and it's just as nice as night as it is during the day.
The Club Bar overlooks the pool and has a great view of the ocean.
The mounted fans were a nice touch and probably necessary in hot Miami!
This would be a fun place for a birthday lunch or even a bridal or baby shower on a sunny day.
I really want to live here.
The Club Bar also includes an actual bar.
Love the jars of matchboxes.
And the bright blue color.
This tile floor extended from the Club Bar into this lobby and was really spectacular. This is also going in my file for future reference. I will have to find out if it's new or vintage.
There are two parts to Soho Beach House, the original building which was the old Sovereign Hotel and a new 16-story oceanfront tower. On the eighth floor of that building lies the library and meeting room which can be used for private meetings and functions.
I mentioned that petrol blue is owner Nick Jones favorite color and that is the same color as the dramatic draperies. They also pick up the color of the ocean beyond.
I loved the beat up look to the leather chairs around the conference table.
The hotel is full of snazzy chandeliers and there are more in this room.
On the side of the building, there is a decorative scrim to block out the other hotels.
I love the mix of prints and patterns of the upholstery fabrics and carpets.
The red rug picks up on the beach and pool area pops of red.
There were lots of fun objects on these and other shelves through out the hotel.
Another view of the library.
The room was full of interesting objects like the turtle shells.
But the best part of the library and meeting room is the terrace!
Could you imagine having a meeting out there?! I'd never get any work done!
I love all the different patterns of the floor tiles.
The amazing view!
I also got to peek into the Cowshed Spa that was designed with lots of rough wood.
I think this might be an exercise room but not sure. I wish I had booked a treatment for something!
A cute shelf in the Cowshed Spa.
I loved this little coffee bar area in the spa.
I love the mix of plain white tiles, marble and rough wood against the gleaming silver of the pots and coffee maker.
Another chandelier!
The gym was full of vintage touches like the old boxing gloves.
We stayed during the week so the hotel was not that busy so the gym was empty when I took a tour.
I couldn't quite capture it but the leaning mirror was very old and had a great patina.
The gym actually made me want to work out and I wished I had brought my sneakers and work out clothes. But they definitely weren't fitting in my over stuffed suitcase!
The ladies locker room had more artwork!
It was too dark to get many good photos but the bathroom in the ladies locker room was really chic. I love the tufted leather seat above and the other sitting area below. I really think the Soho Beach House will especially appeal to New Yorkers and anyone who loves good design. And if you want glitz and glam while you're in Miami, the Fountainbleu is right next door!
Photos by Heather Clawson for Habitually Chic


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Coming up for AirSaturday, November 01, 2014
There has been stitching, crafting and oh so many adventures. I couldn't possibly leave them in the depths of a forgotten camera memory card.
This little mermaid is the result of a girl who believes her mother can make miracles. The night before the party, she asked for a mermaid, for her friend. Of course miracles are abound here, especially when one sets one's mind to it. A little stitching, stuffing and velvet hair meant for a brief moment the goldfish had a friend. It looks like he's just waiting for her to jump in.
pattern from - Wee Wonderfuls by Hilary Lang.


text: Rental Registration #: 18-826 Located close to the charming village of Amagansett and wonderful ocean beaches. Offering an open floor plan, lots of light and great spaces. Heated swiming pool, large deck, Jacuzzzi, two master suites, one in each level, plus two more bedroom, three and a half baths, and your own teninis court..


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We learned all about Christmas time in Mexico!
We made some hot chocolate
(almond milk, a handful of dairy-free chocolate chips, and a sprinkle of cinnamon - heat it up and thats it!)
We learned the story of poinsettias . We also learned about poinsettias themselves, there was a great fact sheet about them on the free curriculum I downloaded from "teach with me" . I used that to make a worksheet that he filled out. One of the facts was about color prefrance, stating a persentage for people who liked red, pink, and white poinsettias . With that information Levi colored in a hundreds chart giving a good visual of the comparison.
We made a poinsettia craft too. We put white paper in a tray, added some globs of paint and 3 marbles and then rolled them all over. Rinse and repeat with green. Then cut out the flower and leaf shapes, and a pot out of scrapbook paper. Glued everything down and I had Levi "shadow cut" around the design.
He also filled out a journal page with the country name, how they say "Merry Christmas", the dates they celebrate Christmas, and the flag and map. We will do one of these for each country and put them together in a little book when we are done.
And lastly some copywork, which I had to fix because there was a typo in it! (whoops!). The sentience is one Levi came up with as the moral of the poinsettia story.
Sources and the cover for this project can be found here


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EYOC 2013 to be organised in Portugal
Posted on | February 18, 2013 | Category: News
The European Working Group (EWG) has decided to appoint Portugal as the substitute organiser of the European Youth Orienteering Championships (EYOC) 2013. The event is now scheduled for 24-27 October and the event centre will be in a holiday centre in Foz do Arelho in Caldas da Rainha municipality.
The EWG based its decision on the results of evaluation visits to both short listed countries. "I must say that the competition was very tight, both bids were of very high quality, but there can only be one winner and this time it is Portugal. I hope that Poland will apply again next time – in other words for EYOC 2016," says Dusan Vystavel, EWG Chairman.
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Year 5, Day 24: Beatsteaks – .limbo messiah
Track List
- As I Please
- Jane Became Insane
- Sharp, Cool & Collected
- Meantime
- Demons Galore
- Cut Off The Top
- Bad Brain
- She Was Great
- Soljanka
- Hail to the Freaks
About the Album
.limbo messiah is the fifth studio album from German punk rock/alternative rock band, Beatsteaks. The album was released on April 2nd 2007 through Warner Music Group. The album released the European Top 100 Albums chart and peaked number 58 on the German Music Charts.
Thoughts on the Album
The Beatsteaks are one of the biggest names in German rock around. Hell, they are one of the biggest rock bands in Europe. A famous German rocker by the name of Farin Urlaub once asked, "How can you just sit down quietly with the Beatsteaks?" (rough English translation). The Beatsteaks may just be one of Germany's and Europe's best kept secrets. The album was released in 2007 throughout Europe, but took three years to reach our shores. But as a testament to just how great this album is, it sounds like a contemporary album.
I'll admit that jumped around when it came to Beatsteaks albums. First starting off with Smack Smash, then going into Boombox, and finally arriving at .limbo messiah. Right from the get-go, the album opener As I Please, raises your eyebrows and makes you ask yourself, 1) "What the hell did I just listen to? and B) What have I been missing? It'sa track that cranks it up to 200 on the tempo. It's a track that sets the bar high for the rest of the album, which is a great thing for an album opener to do. A great hard rock number that transitions into the second track…
Jane Became Insane. A cross-genre stomping track that has excellent vocals from frontman Arim Teutoburg-Weiss. Insanely catchy with a Schizophrenic guitar riff and a pre-chorus that sounds like it's from a Rancid song. The drumming is what gives this song excellent flair. You can hear The Hives and some Queens of the Stone Age influences in this song, however light influences they are. Meantime is a track that could have been a massive smash hit if in the hands of someone like Dave Grohl and a massive music television friendly music video. Definitely a summer type song that is incredibly melodic. You can hear some Britpop mixed with some reggae and then punched out with easily accessible three-chord punk that permeates throughout the track. Meantime is a track that shines through melody, not force.
She Was Great, was a surprising find on this album for me. Given all the cross-genre splicing that the songs around this one do, this track is a revelation. With a simple and incredibly sexy bass line, some incredibly infectious falsetto vocals, and a great hook, it sounds like it could have been written in a post-Paul Weller, The Jam. The timeless hooks are what keeps this song with me at all times, enough when it came from out of nowhere.
"Wie kann man bei den Beatsteaks ruhig sitzen bleiben?!" Farin Urlaub sings on Die Ärzte's Unrockbar. The rough translation into English comes out to, "How can you just sit around quietly with the Beatsteaks?" And I have to agree with him. .limbo messiah is a hiding gem amidst a crowded sex of alternative rock and punk rock. An even more aggressive follow up to Smack Smash, this album had it's home on the music app on my iPhone and probably won't be evicted anytime soon. It's an incredibly multifaceted album that crosses genres, but doesn't lose any of it's steam, heart, or feeling.


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When The Biggest Loser winner Rachel Frederickson first debuted her worryingly thin frame on the finale, we only had the looks on Jillian Michaels' and Bob Harper's faces to tell us exactly how they felt. In the time since, though, both trainers -- and Rachel's trainer, Dolvett, as well -- have made their opinions known. And Rachel herself went on The Today Show a few weeks later, looking like she had gotten her weight up a bit, and everyone breathed a sigh of relief.
But with controversy still hanging over the franchise, and changes to the show rumored to be on the horizon, host Alison Sweeney is breaking her silence about the situation ...
Of Rachel's initial 155-pound weight loss, Ali said:
I think that The Biggest Loser, what we focus on on the show, helping people with the rest of their lives and helping them make changes, but at the end of the day, it's every individual's responsibility to do what they think is best for them. ... So I think Rachel said it best when she was on the Today show about, whatever it was, two weeks after the finale, she came back and shared sort of her feelings about really focusing on winning the competition and as an athlete. She really kept her eye on that prize. And two weeks later, sort of had found maybe a happier body weight that she felt more comfortable with, which is how she looks now, and she looks fantastic.
While it just sounds at first glance that she's supporting the 24-year-old, and that's fair, it's still troubling to think that Ali -- and perhaps even those behind-the-scenes at the Biggest Loser -- sees "really focusing on winning the competition" is a perfectly fine excuse for getting too thin too fast.
I get it. Losing weight is difficult and something many of us want to do -- quickly. So even if we aren't contestants on a reality show, we try to rev ourselves up by making it a competition. We use fitness apps to try to beat our own pedometer or activity or calorie tracking or weigh-in records. Or we compare our results to friends or celebrities. For many of us, if weight loss a game, a goal to beat, conquer, or WIN, we're more motivated to stick to the plan.
More from The Stir: 'Biggest Loser' Host Alison Sweeney Shares the Key to Leading the Fit Life
But that mentality can clearly backfire. It seems as though her athletic drive and "keeping her eye on the prize" meant Rachel went too far for the sake of winning. Another consequence of this: Feeling like it's "game over" once you've reached your goal -- be it a wedding, a bathing suit, a pair of jeans, a number on the scale, etc. As a result, you end up backtracking ... big time.
The thing is ... Weight loss is not a game, a competition, a contest. Sure, steps along the way can be competitive (like friendly competitions with friends to see who drinks more water or signing up for a 5K), but ultimately, long-term, healthy weight loss has more to do with sustainable, realistic lifestyle changes. I know. It's not as EXCITING, but the concrete, lasting results of striving for overall wellness over short-term weight loss pay off much better than any quickie victory ever could.
What do you think about Ali's explanation for Rachel? How do you think The Biggest Loser should change the "game" to promote wellness over rapid weight loss?
Image via NBC


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So the mythical iPhone killer has finally arrived, right? Not so fast.
The caveats around this research are plentiful indeed:
- Piecyk didn't call any Apple stores, where the iPhone surely would outsell a Google
(Nasdaq: GOOG)Android model that would probably explode upon entering the store.
Best Buy
(NYSE: BBY)stores sell both the Verizon iPhone and the HTC Thunderbolt, but weren't included in the survey. Would a Best Buy study yield different results?
- The Thunderbolt is a Verizon-only model while the iPhone is available from AT&T
(NYSE: T)Wireless as well. Add Ma Bell's haul into the mix and you'd surely get a different result.
Taking that last argument to its logical conclusion would open a rat's nest for Apple fans, though: Where do you draw the lines to define a model, a platform, and a sales statistic? Android as a whole is engulfing the iPhone family, but no single Android model can claim to have bested Apple's finest -- yet.
That said, the Thunderbolt seems roughly comparable to the iPhone 4 in most respects, but sports one defining advantage in its "4G" network connectivity. It would be in Apple's best interest to get 4G radio chips into the iPhone 5, thus erasing the Android advantage before it grows unmanageable. Since the Verizon iPhone already has a unique chip configuration, it wouldn't be hard to imagine Apple dropping an LTE 4G chip into the next refresh and eating the cost difference -- anything less would leave a lot of potential sales on the table.
Or will Apple's quest for perfection leave 4G-thirsty customers unsatisfied? Verizon's 4G coverage is in its early stages and will remain downright spotty throughout 2011. Also, LTE chips are still new, and run the risk of being bulky and consuming an undesirable amount of power. If Apple does in fact delay the release of the iPhone 5, as has been reported but isn't confirmed, that'd give probable chip partner Qualcomm
Would Apple be better off delaying 4G iPhones until the summer of 2012, when the coverage maps have filled out a bit? Discuss in the comments below, and don't forget to add Verizon and Apple to your watchlist so you don't miss the final decision.
Fool contributor Anders Bylund owns shares of Google but holds no other position in any of the companies discussed here. Best Buy and Google are Motley Fool Inside Value recommendations. Google is a Motley Fool Rule Breakers pick. Apple and Best Buy are Motley Fool Stock Advisor choices. The Fool has written puts on Apple. Motley Fool Options has recommended a bull call spread position on Apple. The Fool owns shares of Apple, Qualcomm, Best Buy, and Google. Try any of our Foolish newsletter services free for 30 days. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. You can check out Anders' holdings and a concise bio if you like, and The Motley Fool is investors writing for investors.