text:
1970s Dickies Painter Pants. Straight Leg fit, 100% cotton, Talon zipper. Made in USA. Well worn, thin at knees, nice fade throughout.
Brand: Dickies
Size: about 34x32 - please see measurements below
Waist: 17 inches
Length: 41.5 inches
Inseam : 31 inches
Hip = 12 inches (measured hip, from fly across leg)
24 inches around front and back
Front rise = 12 inches (measured from waistband to crotch - front)
Back rise = 14.5 inches (measured from waistband to crotch - back)
Leg opening = 9 inches (measured width of bottom hem)
3-5 business days
I'll do my best to meet these shipping estimates, but can't guarantee them. Actual delivery time will depend on the shipping method you choose.
Buyers are responsible for any customs and import taxes that may apply. I'm not responsible for delays due to customs.
Just contact me within: 3 days of delivery
Ship items back to me within: 7 days of delivery
But please contact me if you have any problems with your order.
Because of the nature of these items, unless they arrive damaged or defective, I can't accept returns for:
Buyers are responsible for return shipping costs. If the item is not returned in its original condition, the buyer is responsible for any loss in value.


text:
Friday, January 21, 2011
January Blues
5 comments:
- The Stringham's said...
same. seriously, i organize and do spring cleaning to get me out of the rut!
- January 21, 2011 at 10:18 AM
- Kristi said...
You're sad because you haven't seen me in awhile. :) Lunch? PLEASE?!?
- January 25, 2011 at 9:30 PM
- Robin Bodell said...
I think we have the same syndrome. Keep me out of Target! I really really really really dislike this time of year.
- January 26, 2011 at 2:55 PM
- Heather and Dave said...
Your family photo is AMAZING! You guys are so stylish and smiling SO CUTE! I like to plan my vacations in January...I'm itching to get out of town and head to warmer weather!! Maybe we can all go to dinner and a movie with the neighbor gals to escape the January blues? ps-William always brightens my Sundays with his contagious smile. He is the sweetest little kid in our class.
- January 26, 2011 at 11:17 PM
- alena said...
January blues....this is what I did. I cashed in on our American Express points and we are doing an overnighter at the St. Regis Hotel in Deer Valley. We only have enough points for one night but it will be a nice get-a-way! Maybe not the best way to use our points but it will help with the January Blues.
Of course we will stop by the outlets for shopping, a massage and a nice dinner.
- February 4, 2011 at 4:15 PM

subset: commoncrawl


text:
Potato and Cheddar Soup
|Ingredients -
|2 cups Water
2 cups peeled and cubed Red Potatoes
3 tablespoons melted Butter
1 small Onion, chopped
3 tablespoons All-Purpose Flour
Salt and Pepper, to taste
3 cups Whole Milk
1/2 teaspoon White Sugar
1 cup shredded Cheddar Cheese
1 cup diced Ham
| 1. Add water and cubed potatoes to stockpot.
2. Bring to a boil over medium-high heat.
3. Reduce heat to medium and boil potatoes until tender, about 20 minutes.
4. Remove potatoes with slotted spoon to bowl.
5. Drain stockpot, reserving 1-cup potato water.
6. Stir in butter, chopped onion, and all-purpose flour.
7. Season with salt and pepper.
8. Stir in potatoes, reserved liquid, whole milk, white sugar, cheddar cheese, and diced ham.
9. Simmer 30 minutes, stirring frequently.


text:
Search for a story:
News - Date: 11 May 2018
Written by: Andries van Zyl / Viewed: 8139
Die Soutpansberg het Vrydagoggend, 11 Mei, wakker geword met die hartseer nuus dat een van die streek se bekendste skoolhoofde oorlede is.
Laerskool Messina is in rou gedompel nadat hul skoolhoof, mnr. Dave Diener, vroeër die oggend oorlede is, vermoedelik vanweë hartversaking. Mnr. Diener was vir etlike dekades verbonde aan Laerskool Messina, aanvanklik as onderwyser en later as waarnemende hoof en hoof.
Volgens die skool se adjunk-hoof, me. Lucinda Vorster, het mnr. Diener se dood as 'n groot skok gekom. "Hy sou oor twee jaar aftree," het me. Vorster gesê.
Readers are encouraged to comment on articles and express their opinion. The views expressed by readers should in no way be perceived as necessarily that of the newspaper or its staff members. Comments may be pre-moderated by our team and if found offensive, be removed.
When commenting, please respect others. Be polite to all the members of our community, including other commenters, authors and the subjects of articles. We believe strongly that the Zoutnet group of websites should be a safe and welcoming space for all individuals, groups and their ideas. As such, any rudeness, insults, hate speech, hostility, or language that incites racism or unfair discrimination may be removed and you may lose your ability to comment.
Wyle mnr. Dave Diener. (Foto: Facebook)
Andries joined the Zoutpansberger and Limpopo Mirror in April 1993 as a darkroom assistant. Within a couple of months he moved over to the production side of the newspaper and eventually doubled as a reporter. In 1995 he left the newspaper group and travelled overseas for a couple of months. In 1996, Andries rejoined the Zoutpansberger as a reporter. In August 2002, he was appointed as News Editor of the Zoutpansberger, a position he holds until today.
Email: firstname.lastname@example.com


text:
- Rohan WelangodaAsked on April 01, 2015 at 07:16 AM
I am trying to get the monthly activity report template going. I am lost. Do you have any simple instructions to use
I cant seem to enable default fields to put info
- JotForm SupportKiranAnswered on April 01, 2015 at 11:37 AM
I'm not sure if I understand your query correctly. Could you provide us with more information on the issue that you are experiencing with your JotForm?
If you are referring to the Form titled "Weekly Activity Report by Rohan Welangoda", I see that the account (rohanwelangoda) associated with this JotForm is suspended. It seems that there is a minor issue with the account.
Let me forward the issue to our next level support team to take a look. You'll be posted through the thread once we have any update on the issue.
- Chief Technology OfficereeeAnswered on April 01, 2015 at 03:20 PM
Hey Rohan,
Your password reset instruction sent to your email address,
Kindest Regards,
- Ertugrul.


text:
There are 'people' everywhere around
Some generous, Some miserly
Some extrovert, Some introvert,
But they are everywhere around,
from where you stand.
Then, there are people who do good,
They will do anything to make you smile,
They will do anything to make you smile,
They will fetch you brownies from your favorite patisserie,
They will send you flowers from far across,
They will shower you with gifts that you love,
They will be by your side through thick and thin,
They will be on their toes to help you win.
Then, there are people who would 'act' to do good,
Donning the hat of being most effervescent,
They will make you feel that you are better than the rest,
Behind your back,
They will hatch every conspiracy at their best,
They will laugh with you at others,
Behind your back,
They will make your life worse than others,
Cheery, Smiling, Cracking jokes, Going out for smoke,
They would do it all, like you are partners in crime,
Behind your back,
They will suck your life for no reason or rhyme
Just when you thought that there are only good people around,
You meet the other half that isn't hard to be found,
They are everywhere around,
from where you stand,
You need to look up, wipe the dust off your glasses,
cough a bit harder to get heard,
remove the mask, one by one,
moving from one face to another,
There they will be standing in front of you,
Looking at you with a smirk,
And, you will be there staring right back
with a smirk wider than theirs.


text:
Will Al Qaeda Destroy Obama Administration?
Some conservatives are saying the president does not take terrorism seriously enough, but that's not the case any longer.
On Tuesday, the president was deadly serious about stopping any more terrorist attacks against Americans. Mr. Obama is a smart guy. He knows that he's got three strikes against him now, but he's not out. He is, however, tottering.
When a Muslim terrorist killed one soldier, wounded another in Arkansas, the press pretty much ignored it. Then came the Fort Hood massacre. The president never called it an act of terrorism. Then the underwear bomber struck on Christmas Day. Initially, the president called him an isolated extremist.
Well, that's three strikes in six months, and now there's trouble in the air.
Most Americans will not stand for poor security. The Obama administration has dismantled so many of the Bush-Cheney anti-terror programs — programs that worked against terrorism — that the president now finds himself in a very precarious situation.
The perception in many quarters is that the Obama administration cares more about the rights of terrorists than protecting the American people. That may not be fair, but the perception is out there.
If Al Qaeda manages another terror strike against the USA in the upcoming months, President Obama will be in serious trouble. He knows it, and that's why he looked so grim Tuesday.
Al Qaeda also knows it. Those killers understand the chaos they're causing, and of course they want to build on that.
Politics is often a very foolish game. Ideologues on both sides try to demean people with opposing points of view. But killing 3,000 people on 9/11 and coming close to blowing up a Northwest airliner on Christmas Day trumps politics. That's life and death.
"Talking Points" has said over and over the president is making a big mistake by trying foreign terrorists in civilian courts, by outlawing coerced interrogation and by giving the world perception that America's War on Terror is not a noble undertaking. We are not the problem; Al Qaeda is.
And by the way, terror thugs, they have no rights. None. If they did, why is President Obama shooting drones at them without a trial? Think about it. The president is dropping bombs on suspected terrorists. No trial. No interrogation. Just death.
But then he turns around and gives Khalid Sheikh Mohammed, who admits planning the murder of 3,000 people, lawyers and a civilian trial. Does that make any sense to you?
The issue of terrorism could bring down the Obama administration. One more successful attack on this country and all hell will break loose.
And that's "The Memo."
Pinheads & Patriots
As you may know, actor Kevin Bacon and his wife apparently lost some big money investing with the swindler Bernie Madoff, but that has not stopped Mr. Bacon from giving to charity. And the Broadcast Film Critics Association this year is giving him its humanitarian award. We believe Mr. Bacon is a patriot.
On the pinhead front, you make the call. Here's Mariah Carey at the Palm Springs Film Festival last night.
MARIAH CAREY, SINGER: Oh my goodness!
UNIDENTIFIED MALE: For you, Mariah kitten.
CAREY: I love you. I have to say this is — and please forgive me because I'm a little bit...
CAREY: Yes.
Pinhead? Up to you.
— You can catch Bill O'Reilly's "Talking Points Memo" and "Pinheads & Patriots" weeknights at 8 and 11 p.m. ET on the FOX News Channel and any time on foxnews.com/oreilly. Send your comments to: firstname.lastname@example.com


text:
I love a challenge, especially a writing challenge!
The requirements of the Flash Fiction Holiday Blog Hop were:
All stories must include in the text:
* A winter holiday theme,
* A "bad boy" character, and
* A gift of some kind (author's choice).
It also had to be inspired by this image:
So, without further adieu, I give you…


text:
These are the amazing ATCs I received in the AlphaStamps' Summer ATCs Swap. From left to right: from Frieda Oxenham; from Teri Calia; and from Ruth Harris. Thank you so much ladies, these are truly treasures!
Looking for today's 50 Day Birthday Bash Giveaway?
Please scroll down to the next post.
enJOY Your Blessings,


text:
While up in Norway we managed to catch a ride with one of the most legendary snowboarders, Terje Haakonsen, at Method Mag's Legend Session. He is notorious for his "sprocking cat" riding, setting record height airs and filming timeless snowboard video parts. He tears it up a on a surfboard too!
Terje's strong mindset against foreign entities tarnishing the purity of snowboarding was made most clear by his boycotting of the Olympics. He promotes ethical riding that respects both our lifestyle and the nature on which it relies. That's why we at RideWithLocal think he makes the perfect role model.
His scrutiny of industry began around the mid 90's when he left Norway to find that all was not green and clean in this world. He realized the planet is overrun by an illogical process that is slowly destroying it. He remembers back in 1995 when someone jokingly asked in an interview if shopping hurt his credit card and he astutely answered, "No, it hurts the environment." He knows we are not going to toss out our credit cards and stop shopping, but we can make smarter purchases that damage less or even mend the state of the planet.
As they say: "When Terje speaks, you listen". Here's some of his suggestions:
If you want better products you need to demand them. You demand them by buying them. The market is driven by consumers. Believe the hype about organic food. Don't let quality fall to the way side to save a few cents. We will pay the price for this later. Buy from ecological supermarkets. Support brands that keep solid ethical guidelines and avoid the ones that don't. Be careful of the brands that create an organic line just to seize a market share. Even big bio products is better than none. Each bio product is one less production that contaminates the watershed and the water is our main resource that needs to be protected to have a healthy environment.
Believe the hype about organic food. Don't let quality fall to the way side to save a few cents. We will pay the price for this later.
To add to this subject, I think we should stop using the term "organic food", but "normal food" instead. As for the other non- organic food, that should be referred to as "conventional foods". But people need to remember that organic labelled food does not automatically mean it's healthy or good quality. There are "organic" farmers that use loop holes and produce food of low quality or is chemically-ridden so you really need to stay informed and not be a sucker for labels.
Snowboarding legend Terje Haakonsen at The Arctic Challege, Lofoten, Norway 2003. Started in Oslo then onto a pipe then into Lofoten in the Arctic which has to be one of the most beautiful locations in the world. Probably the best snowboard event in the world which was invite only. @chocorompe @oakley #norway #snowboarding #terjehaakonsen #arcticchallenge #sportsphotography #canoneos #filmisnotdead #blackandwhite #athlete #archive
Think about what you eat and don't take it for granted. Meat eating is a big problem with respect to water consumption, greenhouse gases, land use and the health of our waterways when produced at intense levels.
If you are going to eat meat, keep it local.
Locally produced meat has less antibiotics due to the fact that it doesn't rely on industrial production that leads to health problems in the animals, which then need to be treated with medications. The more antibiotics we use, thestronger the bacteria become and the weaker the effectiveness of the pharmaceuticals become. Keep meat eating for special occasions. Make sure it's locally produced to support the local industries as opposed to the industrial alternative.
Politics is key to accessing power and industry influence. Industrial methods are the main place where a transformation needs to happen since its effects eclipse those of individuals' buying decisions. Local politics and associations are a great way to start. I am currently an ambassador for local trash sorting efforts called the Infinitum Movement that are helping create incentives for recycling. In Norway, 87% percent of beverage containers are recycled due to incentives and organized infrastructure. Stricter rules need to be put in place and better education needs to start with the youth to create the right habits. Boycotting brands that don't respect this is important too. You are responsible for what the result of your purchase does. And avoid plastic bottles (as he sips from his metal refillable bottle).
The most important thing to keep clean is our water. Think of the everyday products and what chemicals and plastics are inside them, like yoursoap. Think about what is in your toothpaste because you put it in your mouth everyday and it will end up in the water too. The waxes we use can also have some pretty nasty stuff and that goes directly into our local habitat and into our drinking water.
We need to be protect the source of the water we drink.
Rent and borrow whatever you can from each other. Try to get a hold something that you might not have like a hand drill from your neighbors. Even buying a 2nd hand snowboard is not a bad idea.
There you go. Try to keep these tips in mind. Buy smart, eat better, get active in local politics, protect the water, borrow or buy second hand and keep it local whenever possible!
Follow all the latest news and projects from Terje at terjehaakonsen.com


text:
Luther Allison
7 CDs, 4 DVDs, and an 88 page book.
A Legend Never Dies Essential Recordings
From Ruf Records & Produced By Bear Family
Blues Music Magazine has negotiated a limited number of this incredible collection. They are shipping from Germany and will be delivered in January 2018. Weight - 5 lbs 6 ounces
Click the banner to order!
Deluxe box set contains seven CDs, four DVDs and a book. The box set celebrating the 20th anniversary of the passing of blues legend Luther Allison. This release is limited and numbered to 1500 CD sets; you should not wait to get your copy of this collection containing the essential albums Luther recorded after his Motown years.
In addition to the albums, our friend Editor-In-Chief of Blues Music Magazine Art Tipaldi has written an 88-page coffee table book featuring Luther's inspiring story, comments from his friends and associates, as well as many rare and private photos.
Plenty of video footage is included on four DVDs. You'll get to see performances from 1997 (Live in Paradise and Zoo Bar), 1991 (a concert in Germany where Luther plays alongside his son Bernard), and 1987 (a show from East Berlin). It's all there; this compilation is a feast for the eyes, ears, and heart of any blues fan.
Luther Allison is a genuine blues hero with an incomparable expanse of energy and love for his music and for the people who loved it. We hope you enjoy every bit of this celebratory Luther Allison collection.
7-CD / 4-DVD / with 88-page hardcover book. 79 tracks (CD), 58 (DVD). Total playing time: 414 mins. (CD), c. 400 mins. (DVD). NTSC, region: 0
Box set commemorating the 20th anniversary of Luther Allison's death


text:
Hip-Hip ARRAYS!!
Multiplication Games!
Unit Overview
Students will learn different strategies that will help them to understand the concepts of multiplication and division. Students will think of multiplication as groups of things. Fact families will help to emphasize the connection between multiplication and division. Students will learn the ideas behind the commutative, associative and distributive properties of multiplication. Over the course of the school year the students will internalize math facts to 9 x 9. Through discussions about multiplication and division the students will gain a better understanding of place value and the base ten system.
The students will learn how to use arrays, number lines, fact families, drawings to help explain the concepts of both multiplication and division. Multiplying and dividing fluently, flexibly and efficiently will help students learn to internalize multiplication facts. Repeated practice with different multiplication and division strategies will also help to internalize multiplication facts. Students need lots of experiences with all different types of strategies.
Essential Vocabulary
Resources and Games


text:
Nevada County Stands with Standing Rock
In support of the Oceti Sakowin water protector camp next to the Standing Rock Reservation in North Dakota, California Solar Electric Company built a mobile solar power station. Designed and constructed by the California Solar team, solar installer Laura Parkes attended the fundraising event November 19 at the Grass Valley Elks Lodge. This event was held to raise funds for those opposing the Dakota Access Pipeline (DAPL).
Parkes explained the importance of renewable energy as a solution to environmentally damaging fossil fuels. The solar system was delivered to Standing Rock in the last days of November by Nevada County volunteers, where it is serving as a power resource station. The solar power station allows journalist Myron Dewey of Digital Smoke Signals to continue reporting by providing a much needed source of electricity for mobile phone and laptop recharging, as well as other essentials.
"One of the things we look for at California Solar in giving is to make a real impact. This project not only educates and provides a service, but points to a positive alternative to fossil fuel." notes Lars Ortegren, California Solar Director of Operations.
Environmental attorney Robert F. Kennedy Jr. has joined the action at Standing Rock. In her presentation, Parkes referenced a portion Kennedy's recent talk: "This is kind of the spear-tip of the frontline in the battle over the transition from an old energy economy to a new energy economy."
On December 3, the US Army Corps of Engineers delivered good news to the thousands of protesters camped out at the Standing Rock Sioux Reservation: Construction of the Dakota Access Pipeline would be halted. This diplomatic action was taken just prior to the arrival of thousands of Veterans, expected to participate in the protest on December 4-7. The proposed pipeline would have carried crude oil underneath Lake Oahe, a dammed-up part of Missouri River and the main water source for the reservation.
In support of the Oceti Sakowin water protector camp next to the Standing Rock Reservation in North Dakota, California Solar Electric Company built a mobile solar power station.


text:
Kinderhook in Columbia County, New York — The American Northeast (Mid-Atlantic)
Post Road - 1772
mail service established
on horseback. Passenger
service by covered wagons
and four horses in 1786.
Erected 1935 by New York State Education Department.
Location. 42° 23.323′ N, 73° 41.292′ W. Marker is in Kinderhook, New York, in Columbia County. Marker is on New York State Route 9H south of Hudson Avenue (County Route 21), on the right when traveling north. Touch for map. Marker is in this post office area: Kinderhook NY 12106, United States of America.
Other nearby markers. At least 8 other markers are within walking distance of this marker. Birthsite (approx. 0.4 miles away); Van Alen Homestead (approx. half a mile away); Ichabod Crane (approx. 0.6 miles away); Heermance House (approx. 0.6 miles away); Lawrence Van Buren House (approx. 0.6 miles away); Gen. Henry Knox Trail (approx. 0.7 miles away); Kinderhook World War I Monument (approx. 0.7 miles away); James Clark (approx. 0.7 miles away). Touch for a list and map of all markers in Kinderhook.
Categories. • Colonial Era • Roads & Vehicles •
Credits. This page was last revised on June 16, 2016. This page originally submitted on June 21, 2012, by Bill Coughlin of North Arlington, New Jersey. This page has been viewed 356 times since then. Photos: 1, 2, 3, 4. submitted on June 21, 2012, by Bill Coughlin of North Arlington, New Jersey.


text:
Friday, August 26, 2011
Freedom Box
It's hard to see freedom and its ally of privacy disappearing, until they're gone. Nice software project underway to get it back using off the shelf hardware.
To play the CBS News story, click the next link: http://www.cbsnews.com/video/watch/?id=7358702n
Original outing of the idea, 57 minute lecture, http://www.law.columbia.edu/magazine/interactive/5848/view-more-professor-eben-moglens-2010-internet-society-speech


text:
Customer Testimonials
I've used a bunch of different radiator guards over the years, and Bullet Proof Designs makes the best stuff out there. Great fitment (your bike doesn't end up wider as with some competitors guards), easy installation, exceptional quality, and truly bullet proof.
Rolf, Colorado
These guards are easily installed and super strong, yet somehow fairly light weight. Protection is most important to me, protecting the investment, so only the best for my new Sherco!
Mark, Massachusetts
This is my 12th set of Bullet Proof radiator guards from my 2000 Suzuki Drz to my current 2018 Husqvarna and all other bikes in between and they are strong as a rock, fit perfect, and look good!
Joe, Kansas City


text:
This came into my inheritance tonight.
It's one of those things I've always wanted but didn't include in my MateriaList because I know i probably wouldn't use it much. I gravitate away from things which require me to fork out even more money to use it.. but this deal was too good to pass up. My little sister decided to get the newer Fujifilm Instax- mini 25 Hello Kitty so she sold me her old 7s for a little more than a pair of shoes.
SCORE!! I love it!! I bought the film even before getting the camera (long story). I have a whole box of memories captured by my sis, and now I can add to my collection. Thanks meimei!!
...sent from iPhone


text:
Like a lot of people, when I first saw a picture of the blue Himalayan poppies of the genus Meconopsis, I had to try my hand at them. I've never had a plant die to quickly -- I think it started to shrivel as soon as it read the mailing label at the originating nursery. I'm not the only one to have that experience. It got so out of control that Heronswood Nursery made it a policy NOT to sell and ship specimens to Michigan.
There is one attractive member of the genus that is content to grow and reproduce here. It's very easy from seed. It's just not blue. The plant is Meconopsis cambrica, known as the Welsh poppy, and it's the only member of genus from Europe. (I read that if botanists were to start all over again, they wouldn't include it in the genus, but I don't know from those things). The Welsh poppy is normally yellow but comes in orange and red forms, it seeds around lightly, it persists in the garden, it doesn't need full sun, it looks nice . . . go get yourself some.
If you are interesting in learning more about the genus, check out www.meconopsis.org. It's not just in bread, beer and bacon where the Brits are miles ahead of us.
This site is for people who like plants -- growers, enthusiasts, aesthetes, novices and professionals, those who appreciate wild things and those who appreciate the cultivated. I garden in Chelsea, and I've been visiting people's yards for 20+ years in the course of my work. My goal is to make this blog a community project, so if you share my interests, please consider becoming a participant and contributing content -- Guerin. Info: email@example.com
Monday, May 30, 2011
Meconopsis for the masses
1 comment:
- AnonymousFebruary 20, 2012 at 3:10 PM
ordered some seeds of the lingholm hybrid, we'll see how that goes....ReplyDelete
Subscribe to: Post Comments (Atom)


text:
LC Dental, 43713 Boscell Road, Fremont, CA firstname.lastname@example.com
The pressure distribution between a rigid frictionless axisymmetric punch and an elastic half-space can be evaluated if the punch shape can be expressed by a polynomial function. However, there is a lack of investigation on how to calculate the pressure distribution when the punch shape cannot be expressed by a polynomial formula. This paper shows that with the help of a mathematical software, the pressure distribution can be evaluated directly from its corresponding analytical solutions. Using this technique, we evaluate the pressure distributions of a cosine punch and a hyperbolic cosine punch, and compare the results with Hertz's solution.
Indentation of an elastic half-space with a rigid frictionless punch
Contact pressure distributions: the solid line is for the Hertzian contact, the dashed line is for the cosine punch–half-space contact, and the dotted line is for the hyperbolic cosine punch–half-space contact
Some tools below are only available to our subscribers or users with an online account.
Download citation file:
Customize your page view by dragging and repositioning the boxes below.
The American Society of Mechanical Engineers
Sorry! You do not have access to this content. For assistance or
to subscribe, please contact us:
Sign in or create your free personal ASME account. This will give you the ability to save search results, receive TOC alerts, RSS feeds, and more.
Sign into or create your free personal account


text:
◄ Back to printable area lists
Properties and events in Hartlepool 2018
Properties and events in Hartlepool 2018
Before heading out for your Heritage Open Days visit, please check entries at www.heritageopendays.org.uk for last-minute changes.
Heritage Open Days 2018 will be 6-9 & 13-16 September.
Print this page ► Click here for detailed listings ►
All Saints, Stranton Church
Church Row, Hartlepool, County Durham, TS24 7QT
Like many English churches Stranton is a mixture of styles and stonework. Apart from the Saxon stonework in the nave, the oldest part of the…
An invitation to visit the ancient church of All Saints, Stranton.
Bell ringers will open the tower, they will show visitors what they do.
Guided tours throughout the day. Information leaflets.
Opening Times
- Sat 8 Sept: 1000-1600
- Sun 9 Sept: 1400-1600
Booking Details: Pre-booking: Not applicable
St Hilda's Church, Hartlepool
Church Walk, The Headland, Hartlepool, County Durham, TS24 0DA
We are a 12th century church on site of 7th century monastery where St Hilda was abbess. Impressive early English architecture. Guide leaflets and…
This is a chance to visit a beautiful ancient church in a prominent site overlooking Tees Bay.
Opening Times
- Sat 8 Sept: 1000-1600
- Sun 9 Sept: 1300-1600
- Sun 16 Sept: 1400-1600
Booking Details: Pre-booking: Not applicable


text:
Sunday September 20th
Tickets for the third installment of the Dream Bridal Tour have been released, and will take place on Sunday September 20th in San Francisco with wedding planners, Kathryn Kalabokes and Brittani Waldman of Dream A Little Dream Events. They have so many fun stops scheduled, we know it will be a blast! The day will start with a champagne brunch before heading on the shuttle to different stops throughout the city. You will be able to taste desserts and cakes, learn about photography, view invitations, try on makeup and accessories, check out the new trends in bridesmaid dresses and much, much more! Plus, you get to meet and hang out with other brides in a casual, no sales environment on a Sunday.
There are only a limited amount of brides that can take part in this unique and informative tour through San Francisco, so sign up to get your tickets today. Tickets are $50, and for a limited time, if you enter the code CITYDISH, you will get $10 off each ticket that you purchase. This event is open to any brides, bridesmaids, moms and friends. Ticket price will include brunch, refreshments throughout the day, transportation and a swag bag full of goodies from all our vendors!


text:
Labor Day Weekend
Posted September 6, 2009on:
As a commuter, I am always very excited about three day weekends. Not driving to and from school means I can save about 140 miles of travel and I don't even want to think about how much gas money. I'm so pumped about what I'm NOT doing (driving) that I haven't even given any thought to what I AM doing.
That aside, Labor Day means the unofficial end of summer. I'm hoping this is also the unofficial end of summer-sized gas prices. Maybe I can even stop eating up fuel with maxed out air conditioning. Please please please can we have an early autumn this year?
In short, I'm giddy about my "vehicle-cation" this weekend. Is anyone taking advantage of the time off to drive somewhere fun?
P.S…. Anyone else surprised to learn Labor Day originated in Canada?
1 Response to "Labor Day Weekend"
Hey! I missed ya in class today!


text:
So, I can't wait for Halloween, not for the candy or the creepy parents who give out mini bags of popcorn instead of candy (Yes mom, I'm talking about you.) I'm really excited for The Walking Dead on AMC. I love Robert Kirkman's comic about a sheriff fighting his way through zombie hordes to his family. Here's the problem, the pilot was leaked on the internet after people were given copies to give advanced reviews. I have no problems with people who leak things to the web; personally I probably wouldn't be watching Fringe if I hadn't seen the pilot two months before the premiere. But my problem with this particular pilot leak is I reeeally want to see it, but I had a whole Halloween night planned around the Walking Dead and zombies.
- Zombie movie marathon: Including Night of the Living Dead, Shawn of the Dead, Zombieland
- Glow in the Dark Zombie Playoffs Bracket shirt and horror movie pants.
- Ewzzy's Human's vs Zombies soundtrack.
- Candy
- Play some Left 4 Dead and Red Dead Redemption: Undead Nightmare
- Late addition to my zombie movie marathon: Planet Terror
- The Walking Dead series premiere @10pm


text:
I've heard many undergraduate students refer to leadership as if it is a level of accomplishment that only certain individuals can achieve. I think these types of conversations are a setback because it means we (student affairs professionals, among others) are failing to show our students that leadership comes in a variety of forms, not just by being on an executive board or getting involved in campus activities. What about the simple, smaller acts of leadership that are occurring every day? Why don't we recognize those as often?
Everyday Leadership
In his Everyday Leadership TedTalk, Drew Dudley defines everyday leadership in terms of "lollipop moments," moments in which someone said or did something that fundamentally made your life better. Often, individuals are not recognized for their lollipop moments because the moments are so small and fleeting it is difficult to know their level of impact until after further reflection.
"We let people who have made our lives better walk around without knowing it."
Dudley goes on to discuss how changing one person's understanding of what they are capable of can change the way we view leadership as a whole. Leadership is not about the big actions, it is about the small steps that move us forward.
So What? // If you agree with Dudley, then you agree recognizing simple acts of everyday leadership can completely change how we are framing the concept of leadership to our students. This is powerful stuff!!
Now What? // Many individuals already take a few minutes to reflect on all the happenings of each day. If we take an extra minute to actually recognize the individuals that made our lives better on a daily basis, we can help individuals better understand their own capabilities. Not to mention it feels great to give a heartfelt compliment.
If we help individuals recognize their own capabilities then these individuals are more likely to find the courage to act as leaders. This alone could change the way we view and define the concept of leadership.
Who are you going to recognize today?
xo vm


text:
Switching ns2000 from 10b2 to 10bT
Switching ns2000 from 10b2 to 10bT
[ Follow Ups ] [ Post Followups ] [ FAQ ] [ Back to Messages ]
Posted by Uncle Roger on April 16, 2000 at 13:37:22:
I have a couple of network adapters that have both the coax and twisted pair connectors. They work fine with the coax, but I get no response from the 10bT.
How do I get the cards to switch to using the 10bT? Should it just automagically work (in which case that port is dead)? Or do I need to set some jumpers (I didn't see any)? Or is it controlled by software I don't have? Ideally, I would love a solution for both win95 and win3.11, but the win95 is more important at the moment.
Follow Ups:
Post a Followup


text:
Unit 23, United Downs Industrial Estate
St Day
Western Event Hire are company that hires our furniture/catering equipment for all kinds of events, no matter how big or small.
For all venues, from private parties and weddings to business functions and regional shows. Whatever the occasion, however many guests, from a small gathering to a major corporate event, Western Event Hire can cater for all your event needs.
Give us a call and we will be happy to discuss any requirements that you may have for your event to ensure you get maximum success.
We can deliver and collect or clients can pick up and return to our depot in St Day. We also have a depot in Exeter, Devon.
Our sister company Truro Marquees specialise in marquees for any event from markets to weddings,and can advise and supply the correct size,the matting, the lining right down to the tables, chairs and linen.
Both companies are owned by Francesca and Richard Dagnall. For expert advice in any event call 01209 820945/821830.
Don't forget to mention www.tickity-boo.co.uk when you contact us!


text:
Academic Lecture
Erik Evens, Instructor
This three-hour lecture course is a primer on the language and rationale of classical architecture. As an introduction to the classical orders, this course is an overview of the elements of classical architecture for beginners and interested laypersons. It offers an excellent prequel for students who intend to continue their education with more focused study of the individual orders as offered by the Institute. This lecture provides an overview of the core reference literature on classical architecture, exposure to the basic rules, measurements, and proportions used in the classical architectural language, and an overview of the canon of the Orders of Architecture. The course concludes with an exploration of the enduring appeal of classical architecture, helping the student to discover reasons to employ the language in their work, and to answer the question, "Why Classicism?"
Erik Evens is Principal of Evens Architects, a KAA Design Company. He is a licensed architect in California, with over thirty years' experience in residential, commercial, hospitality, and institutional work. He is a founding member of the Institute of Classical Architecture & Art, Southern California Chapter, and past President, and also a Fellow of the ICAA.
KAA Design Group
4201 Redwood Avenue, Los Angeles, CA 90066
$25 ICAA Members and employees of professional member firms
$40 for the general public; 3 AIA credits
Limited seating!
Advance registration is required.
A materials list will be sent with confirmation
This class is made possible by the generous support from our 2019 Education Sponsors:
Kitchell Custom Homes
Shawn Nelson Builders


text:
Young players at Pontefract Badminton Centre are making a name for themselves.
The talented youngsters, under the guidance of head coach Gill Topliss, have come on leaps and bounds since the centre, based at Pontefract Squash Club on Stuart Road, opened just over 12 months ago.
Pontefract's eight players - four boys and four girls - pulled off surprise victories against teams from Sheffield and Leeds in the first round of the newly-formed Ridings Junior League which is a structure designed to talent spot children to represent Yorkshire.
"The wins against Sheffield and Leeds were unexpected. Last January some of those children had probably never played badminton before and 12 months down the line they are playing exceptionally well," said coach Gill who herself represented Yorkshire at the age of 12 and went on to become an England junior international at under 18 level.
As a top sportswoman, she followed in the footsteps of her late brother David Topliss, the legendary rugby league player and coach.
Pontefract's team, aged 10 to 12, beat Sheffield on a tiebreak after they had finished level at 5-5 in a match at Garforth Badminton Centre.
Mixed doubles pair and Asish Chittamuru and Amelia Limbert won a thrilling tiebreak 11-10.
Two Pontefract players – brothers Sumedh and Asish Chittamuru – had earlier both defeated Sheffield opponents who have already played for Yorkshire.


text:
Use of Consumer Credit Data for Statistical Purposes: Korean Experience
- Johnathan Small
- 3 years ago
- Views:
1 Use of Consumer Credit Data for Statistical Purposes: Korean Experience Byong-ki Min October 2014 Abstract For some time, the Bank of Korea has sought to obtain micro data that can help us to analyze our household debt situation and to assess the financial soundness of households more accurately. This type of data, Consumer Credit Data, has been gathered by credit information registries (or credit reporting companies) primarily to assist creditors in evaluating the credit quality of current and prospective customers. Using this consumer credit data in cooperation with one of Korean Credit Bureaus, the Bank of Korea is constructing a new longitudinal databases that tracks consumers access and use of credit at a quarterly frequency from 1Q 2009 to present. Now our pending task is to constitute a nationally representative random sample of individual consumers in any given quarter. With these processes completed successfully, the Bank of Korea will obtain more detailed and timely information on the debt status, loan payment behavior, and overall credit quality of Korea consumers. Such information will facilitate our analysis of macroeconomic conditions, improve its understanding of the way credit is provided to consumers, and enhance the bank's monitoring function of financial stability. Key words: Household credit, consumer debt, micro data, panel data Byong-ki Min: Manager, Bank of Korea ( This article is a preliminary draft and is being distributed to participants to the IFC Biennial conference on 4-5 Sep solely to stimulate discussion and elicit comments. The views expressed in this article are those of the authors and are not necessarily reflective of views at the Bank of Korea. Any errors or omissions are the responsibility of the authors.
2 Use of Consumer Credit Data for Statistical Purposes: Korean Experience Byong-ki Min 1. Introduction There has been a global trend toward strengthening the role of a central bank in monitoring financial stability. In accordance to this trend the Bank of Korea Act was revised in 2011 for the Bank of Korea, which is not a supervisory regulator of the financial market in Korea 1, to monitor the implications for financial stability when implementing monetary policy. While the rapidly snowballing household debt in Korea is likely to become a destabilizing factor to domestic financial market, the existing aggregated household debt statistics provide only limited information. Ever since the revision of the Act, the Bank of Korea has paved the way for the use of micro-data from Consumer Credit to produce statistics to replace or control the quality of the currently compiled monetary and financial statistics and to investigate domestic financial market so as to more accurately diagnose the economy. Currently, the Consumer Credit data statistics provided by CBs are in an aggregated form, not in a micro form. It is believed that constructing a new longitudinal database using raw Consumer Credit data is necessary to track individuals and households access to and use of credit on a periodic basis. In this article, we first take a look at the household debt status in Korea and the relevant statistics. We then review the sharing system of Consumer Credit in Korea, explain how the Bank of Korea utilizes Consumer Credit data for statistical and analytical purposes, and describe our approach to the construction of the panel database, called Consumer Credit Panel DB (CCP DB), using a sample Consumer Credit information. The major hurdles the database development has recently faced, such as a series of Consumer Credit data leaks that 1 The Financial Supervisory Service, in Korea, is responsible for the examination and supervision of financial institutions. FSS was established on January 2, 1999, under the Act on the Establishment of Financial Supervisory Organizations by bringing together four supervisory bodies-banking Supervisory Authority, Securities Supervisory Board, Insurance Supervisory Board, and Non-bank Supervisory Authority-into a single supervisory organization
3 has led to the increased demands for information security, is also introduced. At the end, we review the framework of CCP DB under construction and the way forward. 2. Household debts in Korea The size of the household debt in the whole economy is obtained from the data on Household Credit and the Households Flow of Funds account. Household credit is defined as the sum of household loans offered by financial institutions including banks and credit sales (household loans + credit sales) offered by credit card and finance companies 2. Household debt (household credit statistics basis) stood at 1,021 trillion won as of end-2013, having risen by 6.0% compared to end-2012 (964 trillion won) as its rate of increase expanded over that (5.2%) in This was a result mainly from banks and public financial institutions home mortgage lending (including leasehold deposit loans 3 ) climbing, due to an expansion in housing transactions, to rises in leasehold deposit prices, etc., amid increased unsecured lending by non-bank financial institutions 4. As household debt in Korea has rapidly snowballed in recent years, concerns have been raised about households debt servicing capacity. It is notable that as economic conditions deteriorate such concerns can exacerbate the situation and cause the fear for a financial crisis or an economic crisis. One of the reasons for the raised concerns is that no objective assessment and in-depth analysis of households debt servicing capacity have been made in spite of the growing household debt. So far the approaches of Korean household debt studies and the relevant assessments of households debt servicing capacity have mainly been 2 The Bank of Korea has gathered data on household credit (releasing quarterly statistics since 1996) in order to figure out the household credit supply situation since The majority of leasehold deposit loan products that banks are extending are secured by guarantees issued by the public guarantee organizations Housing Finance Credit Guarantee Fund and Korea Housing Guarantee Co., Ltd., or by the private guarantee organization Seoul Guarantee Insurance Co., Ltd. 4 Non-bank financial institutions in the text related to household financial soundness include nonbank depository institutions and other financial institutions such as insurance companies, pension funds and public financial institutions - 2 -
4 based on aggregate data, and thereby having used aggregate statistics for the overall economy and all households. For the indicators for assessing households debt servicing capacity, the capital gearing ratio and the debt-to-income ratio have been used. However, the households debt servicing capacity assessed based on aggregates using the indicators above has a limitation in that it does not reflect the differences in households characteristics. 5 That is, if households debt is assessed using aggregate measures, it is impossible to figure out which type of households is in a sound financial situation and which is facing bankruptcy. In addition, this method might provide unrealistic information in accordance with households debt distribution. For example, in case the households with sound debt servicing ability (those having high level of income or assets) own most of the household debt, this will generate little problem to the economy. However, when assessed with the aggregate data alone, their financial soundness can be said to have deteriorated simply because their debts have grown faster than their income or assets. From this 5 The economic, social and demographic differences among the households (ages, occupations, delinquency, payment history, income, credit score, etc) - 3 -
5 perspective, it is required to conduct analysis of household debt using micro data as well as macro indicators to more accurately assess the financial soundness of households. For some time, the BOK has sought to obtain micro data that can help us to analyze our household debt situation. This type of data, Consumer Credit Data, has been gathered by credit information registries(or credit reporting companies) primarily to assist creditors in evaluating the credit quality of current and prospective customers. 6 In next chapter, after explaining credit reporting system in Korea, we introduce our current usage of consumer credit data Credit Reporting System in Korea and usage of its data For decades in Korea, consumer credit information has been gathered by the Korea Federation of Bank (KFB) 8, established in , and Credit Bureaus(CBs). The KFB, as a centralized credit information collection agency under the applicable Korean law, pools and 6 Consumer credit data has been gathered by a Credit information registry which refers to a database of information on borrowers in a financial system. Information in these registries is available for individual consumers and/or firms. The core of this data is a borrower s past payment history. The data available may be only negative (information on late payments, defaults and other irregularities) or may also contain positive information such as debts outstanding even if the credits and loans have always been paid on schedule. Registries may also contain other types of information, including basic personal information such as address and age, as well as information from court records or other public or government sources, which could have a bearing on creditworthiness. 7 Credit registries operated by governments, (usually by bank supervisors), are referred to as Public Credit Registries( PCR ). Those registries operated outside government, even if they are non-profit institutions, are referred to as Private Credit Registries or Credit Bureaus(CBs). 8 The Korea Federation of Banks (KFB) is a trade association that represents and promotes the interests of the Korean banking industry as a whole. 9 In 1986, the KFB began to offer credit information management services. In 1997, the government officially designated the KFB as Korea s centralized credit information collection agency and granted it the authority to collect and maintain credit information from all financial institutions, in accordance with the Use and Protection of Credit Information Act
6 manages credit information from all financial institutions and public organizations 10 and provides this information to financial institutions, public organizations and CBs for their use. The KFB covers a broad range of data that encompass every financial institution and helps these institutions to perform more effective and efficient credit assessment of their customers and to better monitor their borrowers. The KFB also collect additional information from public records and courts (for information on lawsuits, tax liens, judgments and bankruptcies). CBs have full access to the concentrated KFB as well. CBs also gather other data which is useful for credit assessment of the borrowers but not included in KFB data. Credit Reporting System in Korea 10 As of December 2012, approximately 4,208 financial institutions and 560 other entities, including government agencies and courts, had submitted credit information to the KFB. This figure encompasses nearly every type of financial institution operating in Korea, including 18 domestic banks, two credit guarantee funds, one housing finance corporation, one policy-based finance corporation, the branches of 33 foreign banks, 45 securities companies, 37 insurance companies, 93 savings banks, 64 credit card leasing and finance companies, 1,255 agricultural and fisheries cooperatives, 949 credit unions, and 1,420 community credit cooperatives
7 The KFB has characteristics of both a Public Credit Registries(PCR) and a CB. It is similar to a PCR in that its collection of credit information is required by law, while similar to a CB in that it pools a wide range of information and that its decision making is performed by a consultative body comprising representatives of financial institutions. KFB is not owned or administered by a central bank or a supervisory institution unlike PCRs in other countries; therefore, limitations exist to utilize the credit data concentrated by KFB for public interest. The information gathered by CBs is vast and seeks to cover virtually all Korean consumer borrowing. To the extent that this information is complete, comprehensive, and accurate, it represents a potential new source of statistical data for the BOK on consumer credit markets and behavior. To analyze the households debt more accurately using consumer credit data the BOK has obtained the aggregate consumer credit data from one of the CBs in Korea. These statistics are produced from the entire consumer database in Korean financial market and help the BOK to diagnose the current situation of households debt. The figures below show some of these statistics included in Financial Stability Report. Proportions of low-credit borrower 1) household loans, by financial sector 2) Multiple loan amount, multiple loan borrower number, and household loan amount per multiple loan borrower The primary sources for current information on consumer debt and credit consist of the aggregate data from financial institutions and CBs using consumer credit data. These databases have several important shortcomings for analysis of loan behavior. To overcome - 6 -
8 these shortcomings, the Bank of Korea engaged one of the three CBs to supply the records of a nationally representative sample of individuals to make a panel DB. This plan, however, has been delayed due to several cases of personal information leakages. In the next chapter, we introduce our framework of Consumer Credit Panel DB and the reason why the start-up of constructing DB was delayed. 4. A Big Picture of BOK s Consumer Credit Panel DB To address these shortcomings of existing data sources and to meet a rising need for up-to-date high quality information on household debt and credit at an ongoing basis, the Economic & Statistic Department of BOK set out to create a new and unique quarterly panel dataset, Consumer Credit Panel DB(preliminary title), a new longitudinal database with detailed information on consumer debt and credit, based on information contained in individual credit reports. Our main objective is to create a longitudinal panel of individuals that tracks their access and use of credit at a quarterly frequency from 1Q 2009 to the present, with future updates added each quarter. The panel is supposed to constitute a nationally representative random sample of individual consumers in any given quarter. According to our plan, the panel DB will be comprised of a 5% sample and contain information derived from consumer credit reports to track individuals and households access to and use of credit on a quarterly basis. The DB will be used for statistical purposes, as the panel can compute nationally representative estimates of the levels and changes in various aspects of individual and household liabilities. With respect to the legal environment for using Consumer Credit Information in Korea, since our planned DB would not include any personal information, such as name, national ID number, street address, and so on, our work is in compliance with the current law. However, regardless of legal compliance, public desire to reinforce the protection of personal information is growing after the recent events of consumer credit data leakages. Recently, in Jan 2014, one of the largest information theft cases occurred in Korea. 11 Regulators are 11 An official of the Korea Credit Bureau (KCB) stole the customer information from the databases of - 7 -
9 preparing to announce a set of measures that will better protect personal information handled by financial firms following a recent massive data leak. 12 These moves toward the reinforcement of the protection of individual information delayed our plan of constructing CCP DB. As the importance of enhancing personal information security has increased along with personal information leaks, CBs had been reluctant to provide the individual Consumer Credit data until recently. The Economic Statistical Department of the BOK had consistently persuaded CBs that their data would be a substantial contribution to pursuing the public interest and they finally agreed to provide the individual Consumer Credit data. Regarding the information from managed by CBs, the data to be contained in our DB can be broadly categorized into certain personal information, credit account information, including credit card information, and public records. Personal Information includes consumer identification number 13, date of birth, gender, address, income 14, employment information(occupation), and nationality(korean/foreigner). 15 For credit account data usually occupy a major portion among other credit records, it can easily be assumed that credit account-related information would do so for the planned DB as well. In addition to loan account information provided by creditors, the consumer credit panel contains information from public records, including records of bankruptcy and tax liens. the three of the country's major credit card firms and sold the data to an advertiser, and the information was used for marketing activities. Data of over 20 million consumer was leaked. Regulators are facing criticism that they failed to properly monitor the financial firms. 12 The measures under review include curbing financial firms from asking for "too much" personal information such as citizen registration numbers and strictly regulating information sharing among affiliates. 13 It is important to note that all individuals included in our database are anonymous: we do not know their names, street addresses or national ID numbers. Individuals in our data are distinguished and can be linked over time through a consumer identification number. 14 Not all individual s income information is included, in which case the estimated income, by CBs for the purpose of credit evaluation of borrowers, is used for proxy. 15 Inquiries Records and Credit scores would be also included. Inquiries consist of information on the consumer s credit history requested by a creditor and include date and purpose of the inquiry
10 Contents of Credit Information in CCP DB Classification Personal information Credit Account Information Public Information Content ㆍConsumer identification number, Date of birth, Sex, Address, etc. ㆍIncome, Employment information(occupation), Nationality ㆍInquiries Records, Credit score, etc. ㆍOutstanding loans (dates, amounts, names of lending institutions, mortgage collateral) ㆍOutstanding card loans ㆍGuarantees on repayment (dates, amounts, names of guarantee institutions) ㆍOpenings and closures of household checking accounts and credit card and debit card accounts ㆍDelinquencies on debt and Defaults on credit card debt, etc. ㆍDelinquencies on national taxes, local taxes, and customs duties ㆍFailures to honor court repayment orders ㆍExemptions from debt repayment due to court decisions to discharge upon request from debtors ㆍIndividuals in the process of debt recovery in accordance with the Individual Debtor Recovery Act ㆍDelinquencies on customs duties ㆍDelinquencies on industrial insurance premiums and employment insurance premiums, etc. 5. Concluding Remarks : The Way Forward The large culmination of consumer debt and defaults served to highlight the importance of understanding the liabilities side of households balance sheets. To that end, the BOK has planned to establish a Consumer Credit Panel, a dataset on household liabilities based on consumer credit data. The Consumer Credit Panel would be designed to provide detailed quarterly data on a panel of Korean consumers from 2009 to present. The most important process that is required for the DB to be representative of Korean consumer is the sampling design. The BOK is now investigating on the sampling design. If the sampling design proves to be appropriate, the dataset can be used to calculate national and regional aggregate measures of individual-level credit balances and delinquencies by product type. The panel also provides new insights into the extent and nature of heterogeneity of debt and delinquencies across individuals. The longitudinal nature of the data enables research on loan origination and repayment behavior at the individual consumer level over time, across refinances and loan modifications and across different loan types. The panel tracks consumer obligations from 2009 to present, and an analysis of a wide array of previously obscured debt behaviors is ongoing. The next task, then, would be making household-level data. While consumer income and assets are commonly measured and analyzed at the household level, consumer debt traditionally has been measured at the individual level. For studying household economic behavior and in particular, - 9 -
11 for understanding life-cycle household finance, it would in fact be more informative to examine debt and credit aggregated at a household level rather than at an individual level. With these processes completed successfully, the BOK could obtain more detailed and timely information on the debt status, loan payment behavior, and overall credit quality of Korea consumers. Such information could facilitate the BOK's analysis of macroeconomic conditions, improve its understanding of the way credit is provided to consumers, and enhance the bank's monitoring function of financial stability
Application of micro-data for systemic risk assessment and policy formulation
Application of micro-data for systemic risk assessment and policy formulation Karen Lee Fong Ling 1 1. Introduction In general, macro trends are useful as it indicates collective behaviours and can beMore information
5 Simple Steps to Maintaining a Healthy Credit Score. An Experian white paper
5 Simple Steps to Maintaining a Healthy Credit Score An Experian white paper Introduction As a business owner you realise the importance of credit. Being at the centre point of the credit flow you needMore information
Commercial Credit Report Plus Guide
Page 1 Reading the Commercial Credit Report Plus This report contains Experian Trade Payment data, public record, collections and corporate linkage. It also includes Dun & Bradstreet s demographics dataMore information
Understanding Credit. UMassFive College Federal Credit Union
Understanding Credit UMassFive College Federal Credit Union Objectives Understand the role of credit bureaus Discuss the importance of your credit report Review the components of a credit score ExplainMore information
UNOFFICIAL TRANSLATION Appendix to the Resolution No 446, of the Governor of the Bank of Mongolia, dated October 17, 2008 REGULATION ON MORTGAGE LENDING PROCESS CONTENTS One. GENERAL PROVISION 1. PurposeMore information
The Business Credit Index
The Business Credit Index April 8 Published by the Credit Management Research Centre, Leeds University Business School April 8 1 April 8 THE BUSINESS CREDIT INDEX During the last ten years the Credit ManagementMore information
The 22nd Conference of Asian Credit Supplementation Institution Confederation November 9 13, 2009 Taipei, Taiwan (R.O.C.)
Questionnaire on Credit Supplementation System & the 22nd ACSIC Conference s Theme Please send this form via email by July 15, 2009 to: The Secretariat The 22nd ACSIC Conference Small & Medium EnterpriseMore information
SBA Loan Checklist. Ownership Information. Site Information. Business Information
SBA Loan Checklist Ownership Information Completed Credit Application Completed Personal Financial Statement (for each owner) 3 Years Personal Federal Tax Returns (for each owner) Management Profile (formMore information
Getting Credit Credit Bureau Questionnaire «Survey_Economy» www.doingbusiness.org
Getting Credit Credit Bureau Questionnaire «Survey_Economy» www.doingbusiness.org Dear «FirstName» «LastName», We would like to thank you for your participation in the Doing Business project. Your expertiseMore information
Comments on Quarterly Financial Accounts for 1Q 2009
Comments on Quarterly Financial Accounts for 1Q 29 1 The ESA95 system distinguishes the following institutional sectors and sub-sectors: Non-financial corporations S.11 Financial corporations S.12 TheMore information
UNDERSTANDING YOUR CREDIT REPORT (Part 1) By Bill Taylor
UNDERSTANDING YOUR CREDIT REPORT (Part 1) By Bill Taylor Most studies about consumer debt have only focused on credit cards and mortgages. However, personal debt also may include medical expenses, schoolMore information
WESTERN HEMISPHERE CREDIT & LOAN REPORTING INITIATIVE WORKING PAPER 3: GLOSSARY This working paper presents a list of terms commonly used in credit reporting. This glossary is part of the methodology usedMore information
Commercial Credit Report Pro Guide
Page 1 Reading the Commercial Credit Report Pro Get up to double the business credit information with our Advantage series reports including data from Experian, Dun & Bradstreet and Equifax. Too many timesMore information
Lending 101 The Basics
Lending 101 The Basics Overview Loan categories Credit types Different loan types Interest rate Applying for a loan Credit & credit reports Simple loan tips Test Loan Categories Secured loan - a loan thatMore information
Measuring Student Debt and Its Performance
Federal Reserve Bank of New York Staff Reports Measuring Student Debt and Its Performance Meta Brown Andrew Haughwout Donghoon Lee Joelle Scally Wilbert van der Klaauw Staff Report No. 668 April 2014 ThisMore information
State Small Business Credit Initiative
State Small Business Credit Initiative Collateral Enhancement Program Ohio Capital Access Program Targeted Investment Program The State of Ohio is an Equal Opportunity Employer and Provider of ADA Services.More information
Financial Stability Oversight Council. Staff Guidance. Methodologies Relating to Stage 1 Thresholds. June 8, 2015
Financial Stability Oversight Council Staff Guidance Methodologies Relating to Stage 1 Thresholds June 8, 2015 Stage 1 Overview Section 113 of the Dodd-Frank Wall Street Reform and Consumer ProtectionMore information
What is a Credit Score and, how does it affect me? Having a Good Credit Score has never been more Important than now
What is a Credit Score and, how does it affect me? Although they are closely related, credit reports and credit scores are two completely different things. Credit scores are typically three-digit numbersMore information
B U S I N E S S C R E D I T APPLICATION & AGREEMENT In this Application and Agreement, you and your mean each person signing this Application and Agreement. Company is your business identified in thisMore information
SME Business Lending. Application Form. www.aib.ie/business
SME Business Lending Application Form www.aib.ie/business Contents Part 1 Part 2 Part 3 Part 4 (i) Business Details Personal Details Application Details Data Protection Notice Part 4 (ii) Declaration ThreeMore information
Page 1 of 11 ABOUT EQUIFAX Equifax empowers businesses and consumers with information they can trust. A global leader in information solutions, we leverage one of the largest sources of consumer and commercialMore information
The Florist Credit Union:
The Florist Federal Credit Union BUSINESS LOAN APPLICATION I. GENERAL INFORMATION Applicants Name / Borrower (individual business owner or business name): Tax ID Number: Mailing Address: Contact Person:More information
Request for Information Regarding an Initiative to Promote Student Loan Affordability
This Request for Information is scheduled to be published to the Federal Register in late February. In the meantime, please send comments via email to firstname.lastname@example.com Billing Code: 4810-AM-PMore information
BUSINESS LOAN APPLICATION Company Name: Company Information Real Estate Holding Company (if any): Street City State Zip Business Telephone Primary Contact E-Mail Business Facsimile Type of Business CorporationMore information
Debt Management Plan. Client Handbook. Consumer Credit Counseling Service of Delaware Valley (DMP) www.cccsdv.org
Consumer Credit Counseling Service of Delaware Valley Debt Management Plan (DMP) Client Handbook Main Office: 1608 Walnut Street q 10th Floor q Philadelphia, PA 19103 Client Service : (800) 989-CCCS (2227)More information
BUSINESS LOAN APPLICATION Each owner, shareholder, partner or member owning 20 percent or more interest in the business must sign a personal guaranty. A minimum of 1 guarantor is required regardless ofMore information
CONFERENCE OF STATE BANK SUPERVISORS AMERICAN ASSOCIATION OF RESIDENTIAL MORTGAGE REGULATORS NATIONAL ASSOCIATION OF CONSUMER CREDIT ADMINISTRATORS STATEMENT ON SUBPRIME MORTGAGE LENDING I. INTRODUCTIONMore information
SME Business Lending. Application Form
SME Business Lending Application Form Contents Part 1 Part 2 Part 3 Business Details Personal Details Application Details Part 4 (i) Data Protection Notice Part 4 (ii) Credit References Searching and ReportingMore information
TITLE 20. COMMERCE, FINANCIAL INSTITUTIONS, AND INSURANCE CHAPTER 4. DEPARTMENT OF FINANCIAL INSTITUTIONS ARTICLE 1. GENERAL Section R20-4-102. Table A. Definitions Licensing Time-frames ARTICLE 9. MORTGAGEMore information
CONFERENCE OF STATE BANK SUPERVISORS AMERICAN ASSOCIATION OF RESIDENTIAL MORTGAGE REGULATORS NATIONAL ASSOCIATION OF CONSUMER CREDIT ADMINISTRATORS STATEMENT ON SUBPRIME MORTGAGE LENDING I. INTRODUCTIONMore information
Lesson 11 Take Control of Debt: Are You Credit Worthy? Check Your Credit Report
Lesson 11 Take Control of Debt: Are You Credit Worthy? Check Your Credit Report Lesson Description Students take on the role of lender in the introduction to this lesson as they consider the informationMore information
Questions and Answers on Accounting for Loan and Lease Losses
Office of the Comptroller of the Currency Board of Governors of the Federal Reserve System Federal Deposit Insurance Corporation National Credit Union Administration Office of Thrift Supervision QuestionsMore information
BaltimoreMICRO - Revolving Loan Fund
BaltimoreMICRO - Revolving Loan Fund sbrcbaltimore.com FACT SHEET Description and purpose Administered by the Baltimore Development Corporation (BDC), the purpose BaltimoreMICRO is to provide existingMore information
CONVENTIONAL / SBA LOAN APPLICATION BUSINESS LOAN APPLICATION CHECKLIST Please use this checklist as a guide to the documentation necessary to complete the processing of your business loan. If certainMore information
Mortgage Loan Originator Qualifications and Identifier Requirements (12 CFR 1026.36 (f) and (g))
Mortgage Loan Originator Qualifications and Identifier Requirements (12 CFR 1026.36 (f) and (g)) In January 2013, the Consumer Financial Protection Bureau (CFPB) amended Regulation Z to implement requirementsMore information
SBA Loan Checklist. Ownership Information. Site Information (For Real Estate Transactions Only) Business Information
SBA Loan Checklist Ownership Information Completed Credit Application Completed Personal Financial Statement (for each owner) Summary of Project Cost (form attached) 3 Years Personal Federal Tax ReturnsMore information
Reviewing C Your Credit Report
chapter 2 Reviewing C Your Credit Report What do your creditors have to say about the way you handle money? Having a good credit score can help you turn your home-buying dream into a reality. There s muchMore information
Page 1 of 10 ABOUT EQUIFAX ALERTS NOTIFICATION USER GUIDE Equifax Canada Inc. Box 190 Jean Talon Station Montreal, Quebec H1S 2Z2 Equifax empowers businesses and consumers with information they can trust.More information
Business Name Borrowing Entity* COMPANY INFORMATION Key Contact E-Mail Address Address Mobile Phone # City / State / Zip Bus. Telephone # County Business Industry Tax ID Number BUSINESS LOAN APPLICATIONMore information
INNOVATION FUND Loan Application
INNOVATION FUND Loan Application Department of Development 500 E. Main Street, Suite 1500, Norfolk, VA 23510 Phone: (757-664-4338 Fax: 757-441-2910 CREDIT REQUEST Amount Requested: Term Requested (# months):More information
Quarterly Credit Conditions Survey Report
Quarterly Credit Conditions Survey Report Contents List of Charts 2 List of Tables 3 Background 4 Overview 5 Credit Market Conditions 8 Personal Lending 10 Micro Business Lending 13 Small Business LendingMore information
AToM Debt Solutions. Individual Voluntary Arrangements (IVA) Call AToM Debt Solutions now on 0845 40 40 240 or visit www.atomltd.co.
AToM Debt Solutions Individual Voluntary Arrangements (IVA) Call AToM Debt Solutions now on 0845 40 40 240 or visit www.atomltd.co.uk Debt Statistics Striking Numbers 1m every 8.5 mins Growth in UK debtMore information
confident lending and other risk-based decisions
CONSUMER INFORMATION SOLUTIONS Decision 360 > Delivers a true 360 consumer financial view for confident lending and other risk-based decisions When it comes to consumer credit, the more you know, the moreMore information
QUARTERLY REPORT ON HOUSEHOLD DEBT AND CREDIT FEDERAL RESERVE BANK OF NEW YORK RESEARCH AND STATISTICS GROUP MICROECONOMIC STUDIES Household Debt and Credit Developments in 2015Q4 1 Aggregate householdMore information
PA HealthCare Credit Union. The Credit Clinic. The PA HealthCare Credit Union contributes to the financial success of our members.
PA HealthCare Credit Union The Credit Clinic The PA HealthCare Credit Union contributes to the financial success of our members. 1 Copyright 2006 Agenda Welcome & Introduction Overview Product Rate CreditMore information
THE BASICS OF CHAPTER 11 BANKRUPTCY Bankruptcy is a legal proceeding in which a debtor declares an inability to pay consumer or business debts as they become due. Debtors may seek to be excused from continuingMore information
Small Business Lending Small Business Capital LLC an SBA Authorized Direct Lender LOAN APPLICATION
Small Business Lending Small Business Capital LLC an SBA Authorized Direct Lender LOAN APPLICATION This checklist has been provided to assist you through the process of gathering the necessary informationMore information
Internal Bank Loan Review Primary Officer: Prepared By: Date Prepared:
Internal Bank Loan Review Primary Officer: Prepared By: Date Prepared: Loan Request Borrower: Business Information: Form: Organ Date: Type: Management: Ownership: Guarantors: Typically the owner of theMore information
Credit Counts... Know the Score!
Credit Counts... Know the Score! Understanding the Importance of Credit Scoring 2004 by Access Group, Inc. All rights reserved. Do you know the score? QUESTION What can a lender learn from your creditMore information
Revolving Debt & Other Agency Guideline Revisions Note: SunTrust specific overlays are underlined.
Assets Section 2.04 DU Refi Plus Loan Program DU Refi Plus STM to STM Transactions Asset Documentation Requirements Assets must be documented in accordance with DU Refi Plus eligible DU Findings report.More information
NEW JERSEY BANKRUPTCY AND CO-DEBTORS WHAT HAPPENS IF THE CO- DEBTORS DOES NOT FILE BANKRUPTCY? TRAVIS J. RICHARDS SOUTH NEW JERSEY BANKRUPTCY ATTORNEY Co-signing a loan for someone is risky. As a co-signer,More information
Consumer credit in the Philippines
Consumer credit in the Philippines Winecito L Tan 1 Retail banking in the Philippines is still nascent, with consumer loans accounting for only about 10% of total bank lending and less than 5% of GDP.More information
Federal Reserve Bank of Atlanta. A Guide for Specialized Credit Activities
Federal Reserve Bank of Atlanta A Guide for Specialized Credit Activities CONSUMER LENDING According to the Federal Reserve Board of Governors, seasonally adjusted consumer credit outstanding includingMore information
QUARTERLY REPORT ON HOUSEHOLD DEBT AND CREDIT FEDERAL RESERVE BANK OF NEW YORK RESEARCH AND STATISTICS GROUP MICROECONOMIC STUDIES Household Debt and Credit Developments in 2015Q1 1 Aggregate householdMore information
CHAPTER 10 TRUSTEES, EXAMINERS AND CREDITORS COMMITTEES THE US TRUSTEES PROGRAM A BRIEF HISTORY LESSON: was an experiment in some districts when the Bankruptcy Code first became effective in 1979. is aMore information
Revision Number: 1. FNSMCA301A Collect debts
Revision Number: 1 FNSMCA301A Collect debts FNSMCA301A Collect debts Modification History Not applicable. Unit Descriptor Unit descriptor This unit describes the performance outcomes, skills and knowledgeMore information
Using Credit to Your Advantage
Hands on Banking Using Credit to Your Advantage Credit Reports, Credit Scores and Dealing with Debt The Hands on Banking program is a free public service provided by Wells Fargo. You may also access theMore information
NATIONAL BANK OF ROMANIA. REGULATION No.17/2012 regarding certain conditions on granting loans
NATIONAL BANK OF ROMANIA REGULATION No.17/2012 regarding certain conditions on granting loans Having regard to the provisions of art.4 Para. (1), art.45 Para. (1), art.61, art.173 4, let. b) and art.235More information
The ABCs of Credit Credit Scores Establishing Credit Maintaining Good Credit Credit Cards Managing Credit Challenges
The ABCs of Credit Credit Scores Establishing Credit Maintaining Good Credit Credit Cards Managing Credit Challenges CREDIT DEFINITIONS Credit Trust given to another person for future payment of a loan,More information
Vendor Finance. Huonville: 8/16 Main St, Huonville 7109 DX 70754, Huonville PO Box 239, Huonville 7109 Ph: 03 6264 2967
Vendor Finance Huonville: 8/16 Main St, Huonville 7109 DX 70754, Huonville PO Box 239, Huonville 7109 Ph: 03 6264 2967 Hobart: Level 1, 18 Elizabeth St, Hobart 7000 DX 231, Hobart GPO Box 16, Hobart 7001More information
Quarterly Credit Conditions Survey Report
Quarterly Credit Conditions Report Contents List of Figures & Tables... 2 Background... 3 Overview... 4 Personal Lending... 7 Micro Business Lending... 10 Small Business Lending... 12 Medium-Sized BusinessMore information
Credit Card Business in Macao and Its Credit Risk Management
Credit Card Business in Macao and Its Credit Risk Management P.S. Un Research and Statistics Department, Monetary Authority of Macao Abstract Credit card holdings and loans have experienced rapid growthMore information
SAFE AND SECURE LENDING THE NEW ZEALAND WAY NEW ZEALAND S LAND REGISTRATION SYSTEM Business & Private Law Brian R Ellis LLB Principal 6 th Floor, 43 High Street PO Box 4516 Auckland, New Zealand TelephoneMore information
NATIONAL BANK OF SERBIA A GUIDE ON FINANCIAL LEASING I. INTRODUCTION The purpose of this Guide is to provide basic information on financial leasing as a way to finance purchase of equipment and other fixedMore information
Legal Name (exact legal name) BUSINESS LOAN APPLICATION Each owner, shareholder, partner or member owning 20 percent or more interest in the business must sign a personal guaranty. A minimum of 1 guarantorMore information
Emerald Financial Commercial Funding COMMERCIAL LOAN APPLICATION
Emerald Financial Commercial Funding COMMERCIAL LOAN APPLICATION This checklist if provided to assist in gathering the necessary information needed for the initial evaluation of your loan request. CompleteMore information
Business Loan Application
Credit Union use only Member Number Business Loan Application Application Date A. BUSINESS INFORMATION Business Name Tax I.D. Biz Account Open Date Loan Officer Mailing Address Physical Address same asMore information
Riverside County s Credit Union LOAN POLICY Revised 11/22//99 ==================================================================== INTRODUCTION
INTRODUCTION Riverside County s Credit Union (RCCU) considers the making of loans to members to be the most important element of our operation. In order to protect the credit union s asset quality, emphasisMore information
BUSINESS LOAN APPLICATION Each owner, shareholder, partner or member owning 20 cent or more interest in the business must sign a sonal guaranty. A minimum of 1 guarantor is required regardless of centMore information
Bank Business Loan Application Page 1 of 2
Bank Business Loan Application Page 1 of 2 Section 1 Business Information Company Name DBA or Franchise (if applicable) Phone Fax E-Mail Street Suite # Website City State Zip Code Date Company FoundedMore information
Centinel Financial Corporation
Centinel Financial Corporation SBA Loan Checklist (Startup Company) Enclosed is a checklist of items needed to evaluate your loan request. 1. Enclose a business plan for your proposed company, describingMore information
VISA Variable Credit Card Agreement, Overdraft Protection Agreement, and Truth In Lending Disclosure Statement
VISA Variable Credit Card Agreement, Overdraft Protection Agreement, and Truth In Lending Disclosure Statement This is your Cardholder Agreement with Provident Credit Union which outlines the terms toMore information
Page 1 of 17 ABOUT EQUIFAX CREDIT REPORT USER GUIDE Equifax Canada Inc. Box 190 Jean Talon Station Montreal, Quebec H1S 2Z2 Equifax empowers businesses and consumers with information they can trust. AMore information
Case 1:14-cv-01028-RMC Document 65-8 Filed 09/30/14 Page 1 of 10 EXHIBIT G
Case 1:14-cv-01028-RMC Document 65-8 Filed 09/30/14 Page 1 of 10 EXHIBIT G Case 1:14-cv-01028-RMC Document 65-8 Filed 09/30/14 Page 2 of 10 STATE RELEASE I. Covered Conduct For purposes of this Release,More information
CREDIT CARD AGREEMENT AND DISCLOSURE STATEMENT THIS IS YOUR CREDIT CARD AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-IN- LENDING DISCLOSURE STATEMENTS, WORLD MASTERCARD, MASTERCARD PLATINUM, MASTERCARDMore information
Rating Criteria for Finance Companies
The broad analytical framework used by CRISIL to rate finance companies is the same as that used for banks and financial institutions. In addition, CRISIL also addresses certain issues that are specificMore information
Credit Scoring and Its Role In Lending A Guide for the Mortgage Professional
Credit Scoring and Its Role In Lending A Guide for the Mortgage Professional How To Improve an Applicant's Credit Score There is no magic to improving an applicant's credit score. Credit scores automaticallyMore information
BUSINESS LOAN APPLICATION Thank you for your decision in obtaining a commercial loan from our business service division. Please complete the following information as accurately as possible so we may betterMore information
4. FINANCIAL POSITION AND RISK EXPOSURE OF HOUSEHOLDS AND BUSINESSES In 215 H1, households remained oriented towards savings, as shown by the expansion in deposits level. Lending to households expandedMore information
NCUA 5300 Call Report Form Detail
002 Amount of Leases Receivable 2 003 Loans Held for Sale 1 007 Land and Building 2 00 Other Fixed Assets 2 009 Total Other Assets 2 009A Accrued Interest on Loans 2 009B Accrued Interest on InvestmentsMore information
QUARTERLY REPORT ON HOUSEHOLD DEBT AND CREDIT FEDERAL RESERVE BANK OF NEW YORK RESEARCH AND STATISTICS GROUP MICROECONOMIC STUDIES Household Debt and Credit Developments in 2015Q3 1 Aggregate householdMore information
APPLICATION FORM PLEASE COMPLETE IN BLOCK CAPITALS LOAN DETAILS Net Loan Amount Loan term (months) Required by Loan Purpose / Transaction overview What percentage of the loan will be for your own use:More information
Chapter 11 ALLOWANCE FOR LOAN AND LEASE LOSSES TABLE OF CONTENTS
Chapter 11 ALLOWANCE FOR LOAN AND LEASE LOSSES TABLE OF CONTENTS ALLOWANCE FOR LOAN AND LEASE LOSSES... 11-1 Examination Objectives... 11-1 Associated Risks... 11. 1 Overview... 11. 1.. Definitions...More information
IC 24-9-3 Chapter 3. Prohibited Lending Practices Generally
IC 24-9-3 Chapter 3. Prohibited Lending Practices Generally IC 24-9-3-0.1 Chapter not applicable to loans made before January 1, 2005 Sec. 0.1. Notwithstanding the addition of this chapter and IC 24-9-4More information
Understanding Credit Bureaus and How to Build a Good Credit Record
Understanding Credit Bureaus and How to Build a Good Credit Record Presented By: Megan Deane Chief Executive Officer Creditinfo Jamaica Limited The Credit Reporting Act (CRA) 2010 was passed in AugustMore information
First Legacy Generations Greater Kinston Latino Shepherd. Dear Small Business Applicant:
1 Dear Small Business Applicant: Thank you for contacting your Credit Union about a loan for your small business. We look forward to working with you to find financing that best meets your needs. To makeMore information
TRINITY DEBT MANAGEMENT SERVICES 12725 W. Indian School Road, Suite E-101, Avondale, AZ 85323 Phone (623) 512-4852
TRINITY DEBT MANAGEMENT SERVICES 12725 W. Indian School Road, Suite E-101, Avondale, AZ 85323 Phone (623) 512-4852 DEBT & CREDIT MANAGEMENT & DEBT ELIMINATION/NEGOTIATIONS FREQUENTLY ASKED QUESTIONS ***PLEASEMore information
QUARTERLY REPORT ON HOUSEHOLD DEBT AND CREDIT FEDERAL RESERVE BANK OF NEW YORK RESEARCH AND STATISTICS GROUP MICROECONOMIC STUDIES Household Debt and Credit Developments in 2014 Q2 1 Aggregate consumerMore information
C. Reporting requirements for the consolidated banking statistics
C. Reporting requirements for the consolidated banking statistics C.1. General The consolidated banking statistics (CBS) capture the consolidated positions of banks worldwide offices, including the positionsMore information
Visa Account Rates, Fees and Terms
Visa Account Rates, Fees and Terms INTEREST RATES AND INTEREST CHARGES Annual Percentage Rate (APR) for Purchases, Cash Advances, and Balance Transfers Visa Classic 8.9% to 17..9% Visa Platinum 8.4% toMore information
Variable Names & Descriptions
Variable Names & Descriptions Freddie Mac provides loan-level information at PC issuance and on a monthly basis for all newly issued fixed-rate and adjustable-rate mortgage (ARM) PC securities issued afterMore information
Regulatory Practice Letter April 2013 RPL 13-09
Regulatory Practice Letter April 2013 RPL 13-09 CFPB Nonbank Supervision Larger Participants for Student Loan Servicing Proposed Rule Executive Summary The Bureau of Consumer Financial Protection (CFPBMore information
Thank you for your interest in applying for a small business loan through the Local Initiatives Support Corporation (LISC). Please complete the following forms so that we may prescreen your loan request.More information
Contents... 2. Executive Summary... 5. Key Findings... 5. Use of Credit... 5. Debt and savings... 6. Financial difficulty... 7. Background...
CREDIT, DEBT AND FINANCIAL DIFFICULTY IN BRITAIN, A report using data from the YouGov DebtTrack survey JUNE 2013 Contents Contents... 2 Executive Summary... 5 Key Findings... 5 Use of Credit... 5 DebtMore information
Quarterly Credit Conditions Survey Report Contents
Quarterly Credit Conditions Report Contents List of Figures & Tables... 2 Background... 3 Overview... 4 Personal Lending... 7 Micro Business Lending... 9 Small Business Lending... 12 Medium-Sized BusinessMore information
BANK INTEREST RATES ON NEW LOANS TO NON-FINANCIAL CORPORATIONS ONE FIRST LOOK AT A NEW SET OF MICRO DATA* Carlos Santos** 127 Articles Abstract This note aims at contributing to the assessment of the empiricalMore information
Aurora Capital. $50,000 maximum (this amount is subject to the availability of funds) Five year balloon with a 20-year amortization schedule.
Aurora Capital Summary: Aurora Capital will be used to finance the rehabilitation and construction of commercial real estate in downtown Elkhart. The objective of the loan pool will be to stimulate physicalMore information
MORTGAGE TERMS. Assignment of Mortgage A document used to transfer ownership of a mortgage from one party to another.
MORTGAGE TERMS Acceleration Clause This is a clause used in a mortgage that can be enforced to make the entire amount of the loan and any interest due immediately. This is usually stipulated if you defaultMore information
FSB invites feedback on residential mortgage underwriting practices
Press release Press enquiries: Basel +41 76 350 8430 firstname.lastname@example.com Ref no: 38/2010 20 September 2010 FSB invites feedback on residential mortgage underwriting practices The Financial StabilityMore information
Recent Developments in Small Business Finance
April 1 Recent Developments in Small Business Finance Introduction In 1, a Small Business Panel was formed by the Reserve Bank to advise it on the availability of finance to small business. At about theMore information


text:
- Details
- Designed specifically for kids and commercial applications
- Displays time, speed, distance and calories
- Features a manual adjust resistance flywheel
- Frame constructed using 3" tubing
- Additional Information
Material 1363729 SKU 1363729 Product Id (PID) 72642 Weight 150.0000 LB Brand Fitnex Ship Method Ships Truck Manufacturer Part Number XE5
- Warranty
Warranty : 1 Year
Every item is guaranteed to be free of defects in workmanship or materials for one year from the original date of delivery when installed and maintained properly. We agree to repair or replace without charge, at our choice, any product judged defective for either of these reasons and to return the item (or its replacement) freight prepaid. Products that do not have a special guarantee
- Reviews
Customer Reviews
1 Item(s)per page
- great Review by coyote
Price Value Quality
our rec center has these units in and they are commercial grade and the kids love them , in fact caught a few adults using this piece also....
(Posted on 9/30/15)
1 Item(s)per page
Write Your Own Review
- Tags


text:
BBC - How to Grow a Planet 2of3 The Power of Flowers (2012) HDTV 720p x264 AC3-MVGroup
Language: English
00:59:17 | 1280x720 | x264 - 4000Kbps | 25.000fps | AAC - 160Kbps | 1.71GB
Genre: Documentary
In the second episode, Iain discovers how flowers have transformed our planet. He journeys to the remote islands of the South Pacific to track down the earliest flowers. In the deserts of Africa and rainforests of Vietnam, he sees how they brought brilliant colour to the most barren landscapes and sculpted the earth itself. And he learns how they drove the evolution of all animals - kick-starting our human story.


text:
Now that we've set a bit of the context of Wellum's argument, we're getting closer to the point I want to emphasize. Between the two passages I quoted previously, Wellum focuses on the relationship of the Abrahamic Covenant to the Mosaic, Davidic, and New Covenants:
In the OT none of the covenant mediators—whether Adam, Noah, Abraham, Moses, or David—fulfilled their role and brought about the promise; they only typified and anticipated the one to come (Rom 5:14). Only our Lord Jesus Christ, the God-man, fulfills the roles of the previous covenantal mediators and brings about the promises stretching back to Gen 3:15. That is why the NT presents Christ as nothing less than the Lord as well as the last Adam, the true seed of Abraham, David's greater Son, who ushers in a new covenant—a covenant which all the previous covenants anticipated and typified.In Part 4, I plan to build on this platform to take a closer look at our union with Christ and the ironic similarities between Covenant Theology and Dispensationalism.
In Christ, all the promises of God are yes and amen (2 Cor 1:20). That is why in Jesus and his cross work, the desperate plight begun in Eden now finds its solution as the last Adam, the obedient Son, has accomplished his saving work. The promise that God himself must be the Savior of his people is fulfilled for he himself is the Lord. Indeed, the death of Jesus, the crime of all crimes, is nevertheless determined by the divine plan (Acts 2:23). Why? To bring to fulfillment what God had promised through the prophets, that Messiah would suffer (Acts 3:18) in order to save his people from their sins (Matt 1:21).
In Jesus Christ, the prophetic anticipation of God's coming to save in and through David's greater Son is fulfilled. Indeed, as D. A. Carson reminds us, "the promise that through Abraham's seed all the nations of the earth will be blessed, gradually expanded into a major theme in the Old Testament, now bursts into the Great Commission, the mushrooming growth of the Jewish church into the Gentile world, the spreading flame reaching across the Roman Empire and beyond, in anticipation of the climactic consummation of God's promises in the new heaven and new earth." [Paragraph divisions and boldface type added. This portion is taken from pgs. 139-140 in the PDF and pgs. 131-132 in the print edition.]


text:
How these 10 ways to hustle in NYC can make you money
Make money hustling in New York City
If you have the guts, the drive, the patience, no fear, adventurous and the will to make a whole lot of money well you are in luck that you have found this article. I do not expect many people to actually follow through with any of these ideas but the ones that do and attempt these ideas will have the possibility of making a lot of cash. This is not a get rich quick scheme nor is it a home business idea or anything among those lines. This is straight up hustling. If you have an item or talent you want to showcase than you can hustle in the busiest city in America and make a lot of cash doing it. Below is a list of ten ways to hustle in NYC and make money doing it.
Ten ways to hustle in NYC
1. If you have a demo music tape than you can make copies of it and simply stand outside around times square and sell it for $5-$10 to passer-bys.
2. If you have a dvd that you want to sell than you can do the same thing and sell it to passer-bys for around five or ten dollars.
3. If you have your own paintings that you want to sell you can hustle them in NYC as well to passer-bys.
4. If you can paint good and quickly than you can stand in a busy section in NYC and wait until people give you money and than pain something cool and unique real fast and sell it or just wait until people give you money.
5. If you can spray paint fairly well than spray paint something cool in a quick amount of time and sell the painted image or wait for people to give you tips.
6. You could airbrush yourself in paint and stand like a statue and wait for people to give you cash.
7. You can airbrush yourself in paint and once people give you cash you can try to dance.
8. If you can actually dance than find a busy spot where there are a lot of people and start dancing and people will probably give you money if you are good or even decent.
9. If you can play an instrument than play it in the busiest section of NYC that you can find. People will probably give you money if you are good.
10. If you can make your own T-shirts and can come up with clever slogans than sell your shirts, you might need a certain license but look into it because you can probably make a lot of money selling catchy T-shirts.
Only in NYC
You may think that the above list looks ridicules but whether you believe it or not peopl,e are making money doing these things in NYC. I have seen people doing weird but legal things down in the city and they were making some money and a lot of it. All it takes is drive and no fear and you too might find yourself hustling in NYC for money!


text:
Express. Home of the Daily and Sunday Express.
Arsenal stars out of contract next summer: Sanchez, Ozil and eight others who could leave
ALEXIS SANCHEZ and Mesut Ozil are both out of contract next summer, but they're not the only Arsenal players yet to put pen to paper on a new deal.
While Sead Kolasinac and Alexandre Lacazette have both arrived at the Emirates already this summer, Arsene Wenger may be more concerned about who is heading for the exit in the near future.
The Arsenal manager is under pressure to keep hold of star performers Sanchez and Ozil, but the duo are stalling over new contracts with both their deals set to expire in 2018.
The pair are not the only ones who could be on their way out of the club, with eight other players all coming to the end of their contracts next season.
Scroll through the gallery above to see which Arsenal players are out of contract next summer.


text:
Just re-listed this bag.
It is a pretty felted little bag - I really like the stripes and the beautiful button on it. I've considered keeping it for myself, but hope to find someone who loves it, too!
It is currently featured in a treasury:
(yay for IndieJunction!)
The listing is here: