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Have you ever been caught up in a situation where things have changed drastically from one day to another and the only thing that change was your perspective of the facts? Well, this commonly happens in our lives and it's an advantageous thing if you can set up your mind to the other side, flip the coin for once. No change it back after awhile, I think that it's the same thing of getting a new habit. The habit of seeing things simpler, not over complicating things and not reminiscing about the past bad events that might have happened in your life. After all, changes are and they will always be necessary, but turning on or off some things only once.
Switch on the good habits and switch off the bad ones, but this time I would like to spend time talking more about perspective. Sometimes you don't need more money or a higher salary, you just need to live with what you already have, change habits regarding finances, for example, that will not only save you money but it also change your entire path towards a successful wealthy life. The perspective has to change. One thing that I've learned is that if you want to keep getting where you're getting, just continue doing what you've been doing.
The idea of changing perspective is ideal for noticing that you might not need a pair of new glasses, your glasses just need an adjustment. Same things happen with your car, clothes, stuff around the house. It's better to reorganize things, put things in place than leaving your house, going to the shopping mall and buy a whole bunch of new things. Okay, sometimes that is necessary, but in most cases, it's not. The lack of money is the root of all evils. People kill for money, steal for money, people go to jail for money. And what is money after all? A piece of paper which has value for extending for things we also value. To include a value in our lives I believe it must be a value in all sectors. You can't be independently wealthy if you don't have a good health and things go on. Good health > Good humor > Disposition > Thinking clearly > Executing things marvelously > Satisfied > Happy > Eating good > Sleep > Good night!!!
Day after day, good humor or bad humor are most common to exist (like a roller coaster), but I haven't given up on the idea of one day having only 10% bad humor, stress, and dissatisfaction in my life and 90% all good. It's insane, it's heavy, but it's worthy to me reaching that thinking rather than stay comfortable with the mediocrity of a common, regular, normal, ordinary life. It ain't what we are here for. Many people are died now, just walking around, going up and down, waking up and sleeping for no other purpose in life. Life is a gift and we constantly try to damage it by not watching our what we hear, eat, listen and spend our time with. A good night of sleep might provide a good dream which will increase your day in amounts of aspects, but everything started the night before when you decided to read a book of your interesting, in place of turning on the TV and fooling yourself with bullshits of the nowadays world.
Thanks for reading it.


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I have used two search engines (spotlight search and the finder search) and nothing comes up, and have also manually scrolled through all my documents looking for the folders. If you have any issues updating the game, please post any error messages, your game version and your region in the comments below. 0000 Posted in Rollercoaster Tycoon 3 | 2 GameFAQs.comfacebook.com/GFAQstwitter.com/GameFAQsHelp / Contact UsChange Colors Blue (Default)Blue on BlackRedRed on BlackGreenGreen on BlackOrangeOrange on BlackPurplePurple on BlackCloudy BlueGrayscaleSepiaCotton Candygamespot.comgiantbomb.commetacritic.comgamerankings.com© 2016 CBS Interactive Inc. help please!> @kaatedocus said: > Okay so I've launched the game and everything, but I still cant find my Sims 4 folder... have a peek here
Forums Menu Forums Search Members
Scratch that, it just popped up! Discuss. If this is still an issue have you tried using the "retail - 188.8.131.52" patch instead?
Search Home Forums Downloads Upload Featured Tracks Parks Scenarios Structures Pyro Peeps Pools Custom Scenery Videos Add Videos NoLimits User Videos RCT3 User Videos Other User Videos RCT3 Game Videos RCT I'm still waiting for their next response about my issue. Follow our step-by-step instructions to cleaning a drive in Windows for more information. Same method applies, but I'm not entirely sure where you should look for the Electronic Arts folder afterwards (I know nothing whatsoever about Macs.) 0 stilljustme2 Posts: 16,396 Member June 2015
Copyright by RPGWatch Log in or Sign up Boards o' Magick - The Stuff of Legends, Right Boo? If you've forgotten your username or password, click here. Here are a few possible solutions based on what you found when searching for the drive in Disk Management. Any help?
I read somewhere on the internet that uninstalling RCT3 and Soaked leaves some files behind on the system which cause problems when re-installing and patching like I am. I don't know whether there's any truth behind this however! Save password Lost password Advanced Search Search Cancel RCTgo Share. I'm on Windows 10 and I think that may be part of the problem...
Forum Forum Home Community Member List Forum Actions Mark Forums Read Quick Links Today's Posts Moderation Team FAQ's FAQ Terms of Service Forum Rules New Discussions New Posts Forum Games by Think of it like Windows but running on Apple hardware. 1 magnolia1122 Posts: 5 New Member March 21 Thanks guys I was having the same problem. :) 0 biialandiie Posts: 1 Hopefully, one of these will solve your problem. Whilst I mentioned I'd previously had Soaked installed I subsequently uninstalled everything and at the moment I only have the core RCT3 installed which is refusing to patch.
If you wish to be unblocked, you must agree that you will take immediate steps to rectify this issue. navigate here Use the "Update Driver" button to attempt to install an updated driver, click "Roll Back Driver" to roll back the driver to a previous one if it just stopped working, or I copied the folder over from my old machine and onto my new computer.Click to expand... Why You Shouldn't Use "Anti-Spying" Tools for Windows 10 Nest vs.
Grabbing the 188.8.131.52 initial update yields me the error noted here. Then suddenly it changes in dislike and a low rating. help please! 0 kaatedocus Posts: 3 New Member January 26 Okay so I've launched the game and everything, but I still cant find my Sims 4 folder... Check This Out Any help? 0 DarkAmaranth1966 Posts: 13,416 Member August 20 Make sure you are logged in to the computer as the correct user.
Thread Tools Display Modes #1 14-06-2006, 19:20 WardoggOne Registered User Join Date: Jan 2005 Location: Pinches, California Posts: 255 Thanks: 0 Thanked 0 Times in 0 Posts problem Upon installing, everything works great until I try to patch with any official patch from the developer or Atari, with the error: "Cannot locate BOILING POINT (EUROPE), ANY, on your computer." If you don't need the files on the disk, you can agree to format it-but be sure the drive doesn't have any important files on it before you do.
All rights reserved.SitemapAdvertiseCareersPrivacy PolicyAd ChoiceTerms of Use Log in to your RCTgo account Not a member? Maintaining Sorcerer's Place and a stable environment for all our hosted sites requires a substantial amount of time and money on a regular basis, so please consider supporting us to keep Reply With Quote 04/05/2010,8:27 AM #2 Michael Brookes View Profile View Forum Posts Visit Homepage Executive Producer Unless Atari have re-released the Soaked update it only works with the US version Home Forums > D&D Games Forums > The D&D Forum of Holding > The Temple of Elemental Evil > SPS Accounts:Do you find yourself coming back time after time?
If this is the case, get your money back and then go and have a look for a copy on CDs. We have been aiming for quality over quantity with our forums from their inception, and believe that this excellence is truly tangible and treasured by our members. Reply With Quote 24/05/2010,8:06 AM #4 Michael Brookes View Profile View Forum Posts Visit Homepage Executive Producer Check the link below if you are having problems uninstalling Soaked: http://www.ataricommunity.com/forums...d.php?t=479989 Only the http://ecoflashapps.com/cannot-locate/cannot-locate-toee-on-your-computer.html So go looking for those discs!
Choose the maximum possible size for the partition and assign a drive letter-you can let Windows automatically choose a drive letter. ETA: Just realized this is in the Mac section. If you're using a larger drive, ensure it doesn't have its own power switch or power cable you need to connect. Installation went fine but when I try and install the patches I'm told: Cannot locate RCT3 (USA), version RETAIL, on your computer.
Personally, I would at least create a Sim or start a game up to insure that all the information does generate. Only time I've heard of this error was with the download version, and I don't know of any solutions to it (although if someone knows of one, I'm sure they will The game updater doesn't work! I guess i'll look for my install disks and go that route.
I have RCT3 (the European gold version). You may even see "protected" partitions that you can't delete from within Disk Management. If you do not understand what is causing this behavior, please contact us here. Well, i should say that i can play it but i would like to install the co8 patch and cannot do that without updating to patch 2.
Assign a driver letter and it should just work. Thanks in advance, K kanon, Dec 21, 2005 #1 Zebedee Veteran Member Veteran Joined: Apr 2, 2005 Messages: 1,755 Likes Received: 0 Can I ask whether you have paid for Was this site helpful? >> The Game Engine is a non-profit personal project. The time now is 02:21. -- Lapis Watch ---- Amber Watch ---- Padparadscha Watch ---- Peridot Watch Contact Us - RPGWatch - Archive - Top Powered by vBulletin Version 3.8.9Copyright ©2000

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Dolorence from Uganda message
CAR FROM JAPAN has inspired me to believe in humanity and inclusion. While they can sell they can also afford to give back some free things.
I need a car or 2 for Children with Disabilities and for my family. I believe that all of us play an important part on earth and even when one can only receive now it does mot mean that they have nothing to give back. Children with Disabilities can give back to society too if enabled to travel to school. They will learn from carfromjapan that we are one people.


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Two blindfolded students were escorted onto the court at halftime, spun around five times and turned loose in a contest to see who could score first.
The first half of South Carolina's game against Ole Miss looked about the same.
Consider that the Gamecocks scored five points in the opening 17 minutes -- and were still close enough to eventually hook a 55-49 victory and remain unbeaten in their seventh game at the new Carolina Center.
"Certainly one for the ages, wasn't it?" coach Dave Odom asked.
For the ages? No. The record books? Yes.
USC (7-4, 1-0) wound up mustering 13 first-half points, four fewer than its previous low in a half of SEC play.
On the other hand, they allowed their lowest SEC total in a half --15 -- as the Rebels (9-3, 0-1) matched the futility clank for clank.
Players were apparently neither seeing nor thinking straight.
"It wasn't like we were missing shots," senior center Tony Kitchings said. "They just weren't going in."
At least, that is, until Kitchings' bucket with 15:12 left broke a 20-20 tie and triggered a span of six straight possessions in which USC scored.
Junior guard Michael Boynton drained three consecutive 3-pointers during that stretch, pushing the Gamecocks' advantage to 35-24 with 11:32 remaining.
Asked if he'd seen an uglier half, Boynton replied: "I've seen one. I've never been involved in one."
USC's lead wouldn't sink below six points during the last minute, yet as the final seconds ticked away, Odom implored the crowd (attendance was listed at 13,890) to cheer its team.
He turned to the scorer's table and said, "They're afraid we're going to lose," and later said that Ole Miss coach Rod Barnes told him when they shook hands that the team's fans certainly didn't help out the Gamecocks.
"I know I may risk running afoul with our fans, but we've got to take a stand here," Odom said. "It's OK to stand up and be excited."
Odom contended that he wasn't mad, yet he demonstratively declared that he expected to see a capacity crowd of 18,000 and not 14,000 on their feet for next Wednesday's home game against Auburn.
"If we want to have a basketball program here, you have got to give, and that's not buying tickets," he said. "I don't care if our team plays pretty or not."
PARKER MEETING: Odom said that a meeting Wednesday with transfer Jason Parker was more about direction and didn't result in any change of Parker's status with the team.
Odom had previously said that Parker, who is sitting out this season, has been experiencing academic problems that could prevent his joining the squad next season.
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text: Just felt like putting up some Blondie, no particular reason.... always did enjoy their work and I think it has REALLY held up well over the decades. They played near my home last year or the year before (I think with Cheap Trick, even) but I wasn't able to attend....wonder what the crowd was like....God, I hope not screams of "Do RAPTURE!".....prefer if it were the senile ones like myself singing along with "Youth Nabbed as Sniper"....anyway, as I said, one of my favorite bands of the 1970's, I have quite a bit of material and I decided on these selections, I think they are relatively hard to locate and they are all quite good and listenable. I hope that you enjoy them, I know the band are still out there somewhere, and if they play a club near you, don't make the same mistake as me and miss them. A good friend of mine,a musician now deceased, claims to have had sex with Debbie Harry, he swore by this story until the day he died.....yes, I'm sure I missed it, having attended a threesome with Liz Phair and Lita Ford......anyway, Chuck (my friend) rest in peace and if they have music blogs wherever you are, I hope you can access these rarities:


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April 22nd, 2010, 08:28
A Total Bastard
Trader rating
Join Date: May 2003
Location: Tottenham
Originally Posted by
I have a lot of respect for Jay for standing firm on his stance of distancing himself from the testing (repeatedly, consistently, continually
) of any/all of his products.
Yes, I want to be impartial, and not seen to be manipulating testing or opinions. Airsofters are very critical of their gear and vendors who make gratuitous or unsubstantiated claims. Things like vendor employees posing as players posting glowing reviews with account signups of 2 weeks and zero post counts in other threads looks really impartial and professional and this board will find that out fast and pick your bones clean.
I do testing, but its not scientific and I don't post it because there is a lot of personal opinion I would put in that would create arguments. And at the end of the day I don't want to be labeled a shill.
As for the safety of the product - if I didn't think it was safe, I wouldn't sell it - I am past that. In my non-scientific opinion based on the collective testing and opinion of people here, including one of my competitors with a similar product, the results say time and time again, that yes, there are additional considerations due to the material, BUT, its no less safe than the risk you're already taking with non-silica. Therefore, its up to the individual player to form a judgement and for me to step back and let that debate occur without partisan influence. I don't know, but to me thats the most honest approach I can take, but I'm more than willing to hear anyone's opinion who thinks I wrong on that stance.
...risking financial stability (i.e. the massive stocks of 0.28's that he almost had to feed his kids with a year or two back) or cancelling an existing product line because they're proven to be substandard/not-wanted.
Heheheh, lol, someone knows my history. I'm getting better at it, and as of yesterday, BB Bastard went corporate, so its not longer a sole proprietorship, taking that financial burden off me. I've also got a very smart and experienced board of directors now who are forming the company up for me - I'm staying on the sales and product development side, but what it means is greater access to capital, facilities and shortly, less inventory issues and a wider product line (more about that soon) but remaining focused on ammunition and ammunition peripherals.
Personally...I hate the fucking bags that he sells them in. I'd rather buy by the pail full...and just put it into the collection of bags/bottles that I already have. The empty bags (while well made) are too big for storing RDS batteries/odds and ends....and too small for packing radios/headsets/etc...
WOW thats the first time I've gotten that type of feedback on the bags! What would be your alternative? do you want a higher quantity option or a different form factor? This is why I love this board - I am when it comes down to it I am a lazy fucker, so when tidbits like this come out, it justifies my approach I think.
Renegade) was stunned that he sold out so fast at the last FR game. If the sign up is looking the same for next one, he needs to bring 30-50% more than he did this time. Heavier weights 0.28's are clutch at FR...the open surroundings and shots from one hill to another need a heavier BB to carry predictably. Even then when the wind died down there's still enough breeze to hook long shots.
I was too - I've since resupplied him - he isn't far from me. If Z keeps these sort of games up, I'll have to allocate FR a lot more stock. I've already up the qty on my May/June shipment on that basis.
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Hurricane Sandy continues to take its toll, with latest estimates putting insured losses at $US20-25 billion ($19.3-24.1 billion).
The figure, provided by catastrophe modeller RMS, is backed by local insurer QBE, which has a substantial business in the US.
QBE shares took a hammering last week after it revealed its losses would be $350-$450 million. CEO John Neal says the company supports the analysis that suggests the insured losses from this storm could exceed $US20 billion.
In terms of losses to private insurers and the US Government, which covers residential flood losses through its National Flood Insurance Program (NFIP), Sandy is expected to be the second-costliest natural catastrophe in US history, behind Hurricane Katrina.
The final insured loss remains uncertain but ratings agency Standard & Poors (S&P) says it would have to exceed $US50 billion ($48.2 billion) for the storm to have a material impact on capital in the reinsurance sector.
The reinsurance sectors strong capital and very strong earnings thus far in 2012 will allow it to withstand losses well outside the range of current estimates, the agencys report says.
On the whole we continue to believe Superstorm Sandy will be an earnings event for the sector and will have a limited impact on our ratings on global reinsurers.
The uncertainty about total insured loss stems from Sandys unusual characteristics and coverage complexities, S&P says.
While catastrophe models capture traditional risks such as wind damage and flood, unique features such as widespread power outages, the high tide leading to a significant storm surge, disruption of transport infrastructure and the flooding of New York subways and road tunnels are not fully reflected in vendors loss estimates, the agency says.
The wind versus flood damage debate is also causing the usual confusion, but a report by reinsurance broker Willis Re says only minor damage can be attributed to wind.
Further complicating the situation are calls from US regulators for insurers to avoid applying hurricane deductibles to damaged properties because the National Weather Service ruled the storm was a post-tropical cyclone rather than a hurricane at the time of landfall.
S&P says this decision could increase insured losses by 30-50%.
Meanwhile, the US Federal Emergency Management Agency (FEMA), which administers the NFIP, says it may need a congressional bailout of its flood insurance operations.
FEMA Deputy Associate Administrator for Federal Insurance Edward Connor says claims from Sandy could be four times greater than the NFIPs capacity.
The NFIP has $US2.9 billion ($2.8 billion) in borrowing capacity but it estimates Sandy-related losses of $US6-12 billion ($5.8-11.6 billion).


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Sunday, January 11, 2009
Blue: Blue is not only a color, in Danish the phrase blåøjet (blue-eyed) can refer to a naïve person or to an idea that is naïve.
The colour Blue is also preferred by passive people, who wish to be left in peace,
who do not wish to get into arguments, who are tolerant of others who, while thinking differrently, also prefer peace.
(Anyara Quote from Christopher Hills)
5 comments:
- Leya said...
For some reason, I'm not quite sure why, I've had a hard time working with blue lately. Perhaps it's the excessive aggression in the world. Or maybe a more outgoing, less passive phase. Still thinking about it and having trouble with blue.
Love your photo. Makes blue look so appealing. Maybe I can rethink this one.
- January 13, 2009 at 1:45 PM
- swanpetal said...
This reminds me of my home. Have a good day Elin!
- January 18, 2009 at 1:16 AM
- TuesdayPillow said...
That is interesting - the color green is associated with naivety here - I love BLUE!!!
- January 19, 2009 at 11:28 PM
- burstmode said...
I love blue...but yellow is my favourite colour. I think I like yellow because that was my house colour when I was in school.
- January 28, 2009 at 8:10 AM
- Mira M. White said...
Blue is a very powerful color in areas of spiritual study. It is the color of Krishna, the color of the disciple on the spiritual path, the subtle, electrical world, and has such an engulfing quality. Not only was I obsessed by " electric" blue for over 10 years, but I have a knit wool color in that same intense hue!
- March 6, 2009 at 2:20 PM


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The comments made by a judge during the hearing of a case may not always indicate the direction of the judicial thinking on the matter. Nor do they point to the nature of the final decision of the court in the case. Judges sometimes make such remarks to test the strength of arguments. But a comment made by one of the judges hearing petitions challenging the constitutional validity of the Aadhaar Act was a different, and perhaps avoidable, one. Justice DY Chandrachud said that the mere possibility of misuse of law is no reason to declare it unconstitutional. It showed the judge's opinion on the basic issue before the court, arrived at perhaps without considering all other issues involved in the case. The court's ruling will certainly depend on the views of other judges also on the five-judge constitution bench, but the comment gave the impression that one judge had already made up his mind.
In the case of Aadhaar, it is not just the fear or potential for misuse of the law that has to be reckoned with. It is already being put to many uses which are not envisaged in the legislation, and some of these uses may not align with or may violate the rights granted to citizens by the Constitution. Aadhaar was originally conceived of as a marker of identity which would help the government to identify the right beneficiaries of government schemes and to direct the benefits to them. But it is now being used for many other purposes through linkage to PAN cards, bank accounts, mobile phone numbers, etc. The Supreme Court's direction that Aadhaar should not be made mandatory for availing services has not been followed in many cases. There have been instances of denial of facilities and services to citizens for want of an Aadhaar number. Cases of unauthorised use by private players and easy access to Aadhaar data have come to light.
The court will have to take into consideration all these when it makes a decision on Aadhaar. Justice Chandrachud said that the court could strike down a law only if the legislature enacted one which it was not allowed to within the constraints of the Constitution. This may be taking a limited view of the validity of a law. The court should take a wider and comprehensive view of the claimed uses of Aadhaar and its expanding scope, and judge whether what the state demands through it from the citizens is in agreement with the rights the Constitution gives them. Past judicial views on the misuse of laws may not be entirely applicable to the Aadhaar law.
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Jon and Jonah went out for the morning mail..it was a little chilly and I guess dad didn't feel like grabbing a hat and jacket for the quick trip, so Jonah got to wear Jon's fleece jacket. Ha..how cute are my boys?!
Thursday, December 3, 2009
Out for the morning mail
Posted by The Posner Pack at 9:50 AM
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Surprise Findings On Telomere Protection Genes, Mechanisms
By Anette Breindl
Friday, July 21, 2006
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Hardcover, 354 Pages
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When a tribe of native people in the Northwest Territories of Canada are snowed in from the world, they are forced to resort to inhuman ways of survival. When a presence is drawn to their suffering, an evil blankets over their continued existence until a misfortunate occurrence results in the spread of the terror to more populated lands. With its ensemble cast, the novel takes paths that lead to a serial killer, demonic monsters, and a police department that slowly discovers that there may be something deeper into the crimes that have transpired in their small farming town in Manitoba.
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Product Details
- 9781312146747
- Copyright
- MJ Preston (Standard Copyright License)
- Edition
- 2nd Edition
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- In Cooperation with Great Old Ones Publishing
- Published
- December 31, 2014
- Language
- English
- Pages
- 354
- Binding
- Hardcover (dust-jacket)
- Interior Ink
- Black & white
- Weight
- 1.21 lbs.
- Dimensions (inches)
- 6 wide x 9 tall
- Product ID
- 21976616
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Samsung SGH-D410C Phone Review
Posted by Philipp Esselbach on: 07/15/2004 07:47 AM [ Print | 0 comment(s) ]
HardwareZoom has posted a review on the Samsung SGH-D410C Phone
The body is metallic silver in colour measures 9.75 x 4.85 x 2.4cm weight 116g, the corners are rounded to gives a smooth feel a refined, elegant looks. Just below the screen is a dual-colours service light, users can customise the colour of the LED from seven different colours combinations. This light will blink when there is incoming SMS. When I was travelling in the train, several passengers had asked me about the phone, they were very impressed with the screen and the design as much as I do.
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text:
We had our friends Aaron and Will over for dinner Tuesday night. Aaron's about to move to Colorado, so we wanted to have a little farewell meal together. I made spicy squash salad with lentils and goat cheese, and hoped it wouldn't be too girly or too veggie for our boy guests.
I roasted a butternut squash, and since I don't have hot smoked paprika, I used a combination of regular paprika, chipotle pepper flakes and cayenne pepper. I would eat butternut squash this way every day I think-- the cumin and pepper and paprika really set it off.
I tossed the squash with cooked lentils (the recipe says it serves 3 with 3/4 a cup of beans, so I added more and started with a whole cup) and goat cheese. I used baby spinach instead of arugula, since that's what I had, and it was perfect.
I scarfed down most of my cheese before I stopped to take a phote of the salad, but it was creamy and delicious. We all added more red wine vinegar at the table, and I am happy to report that the meal was a success. This salad is "deceptively filling," and it's so delicious. I'll make it again.
I hope you like it. I made it.
Let It Be Sunday, 172!
11 hours ago


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Ready to get your yummy on? With these Chocolate Cake Truffles that are so mouth watering and delectable to satisfy the most chocolate lover's sweet tooth are the perfect choice.
These chocolate truffles cake are the perfect chocolate cake truffle dessert for dinner parties to impress your guest and family members, they are the absolute best chocolate truffles to entertain with, and perfect for desserts.
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So buy some truffles today and surprise your family with the perfect dessert!
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Try the Chocolate cake infused with espresso, hand dipped in a milk chocolate truffle coating then topped with a chocolate-covered coffee bean perfect for a little extra kick after dinner.
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Try the chocolate mint Truffle cake they are so moist and full of flavor yummy!
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If you love lemon, you love these lemon truffle cakes packed with total sweetness with a tangy lemon flavor!
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One of my favorites that take the place of an after dinner mint are the Chocolate Mint truffles that have a delicious, chocolatey, fudge like chocolate cake that is hand dipped with love in a dark chocolate mint coating and decorated with sparkling green sugar crystals.
Do you remember those thin mint Girl Scout cookies you love so much? Yeah, these taste a lot like those and who doesn't love them, the perfect combination of chocolate and mint.
Return From Cake Truffles Gourmet Chocolate Truffles
Return To Chocolates and Chocolate Candy Home Page


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As the exchange-traded fund industry grows, fund issuers have developed creative new ways to maximize the returns of passive strategies. While non-traditional funds like Direxion Daily Financial Bull 3X Shares ( FAS) and United States Natural Gas ( UNG) have gained popularity among many investors willing to take on the risk, companies like RevenueShares, WisdomTree and PowerShares are seeking to put a new twist on traditional investing. Shunning the popular market-cap weighting strategy employed by ETF giants like iShares and State Street ( STT), RevenueShares and WisdomTree are looking to increase investor returns through strategies that weight factors like dividends, earnings and revenue. PowerShares offers a line of "Dynamic" ETF products that allocate assets using a combination of performance data. In the last decade, cap weighting may have been king, but new breeds of funds have arrived. This article will be the first in a series that examines the alternative strategies to increase awareness of the growing ETF market.
Unlike WisdomTree or RAFI -- which have created branded indexes -- RevenueShares seeks to apply its revenue-weighting mechanism to known indexes. Like the well-known State Street Global Advisors SPDRs ETFs, RevenueShares has filed for all of the S&P industry sectors. RWL, for example, applies the revenue strategy to the same index that SPDR S&P ( SPY) and iShares S&P 500 Index ( IVV) track. RevenueShares has taken a measured approach to launching its ETF product line, not wanting to flood the market with funds. "We will only release ETFs one by one as the market demands them. The last thing we want to do is flood the market with ETFs that don't receive interest and trading volume from advisors, and thus fail," said Paul Weisbruch of RevenueShares. RevenueShares' familiar indexes and revenue approach make these funds appropriate for longer-term investors. Rather than tracking an extremely focused portion of the market, or resetting on a daily basis, RevenueShares' products are designed as a cheaper alternative to popular mutual funds. While investors will have to pay-up for the RevenueShares strategy -- IVV's 0.09% management fee is less than RWL's 0.49% -- the ETFs have done well in 2009. iShares S&P MidCap 400 Index ( IJH) is up 18.23% year to date, while RWK has jumped 30.62%. Investors should remain mindful, however, of lower volume in the RevenueShares ETF funds. While the structure of ETF products allows investors to jump quickly in and out of funds, RevenueShares' products are intended for a longer-term audience.


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Thank you for your interest in joining our team!
ArtsBoston has been serving Greater Boston's arts and cultural community for over 40 years. Our team is small and mighty. Each new hire has the opportunity to make a big difference not only within our office walls, but also out in the world for our membership of over 170 arts and cultural organizations and thousands of residents and visitors that live, work and play here.
ArtsBoston is an equal opportunity employer, committed to hiring individuals who reflect the diversity of Greater Boston. People of color and members of the LGBTQ community are strongly encouraged to apply.
If you are passionate about the arts, deadline and service driven, team oriented and thrive in small, innovative environments, we want to hear from you!
ArtsBoston relies on the ideas and contributions of diverse and talented students and accepts applications on a seasonal rolling basis. All ArtsBoston internship opportunities are designed to help students meet their educational goals while advancing our organization's mission.
To apply, please send resume and cover to firstname.lastname@example.com with 'INTERNSHIP' in the subject line along with the semester you are looking to work.
Current Openings:
Position summary
The Office Manager and Development Assistant works side-by-side with the Executive Director and Senior Team to:
1. Support a wide range of critical operational admin functions; and
2. Collaborate on all aspects of a multi-faceted fundraising strategy.
· Provide administrative support to Executive Director and Senior Team
· Schedule appointments and draft correspondences for senior leadership team
· Oversee office management, including supply orders and organization, and equipment maintenance needs.
· Manage logistics and record-keeping for staff, Board, and other meetings.
· Administer HR paperwork and reporting including payroll processing.
· Provide project/program support as needed
· Support Finance Department on as needed basis with filing, audit preparation, receipt tracking, etc.
· Other duties as required
Development and Board Communications
· Develop and monitor annual development work plan (grants, reports, annual fund, etc.) and calendar, and communicate priorities, timelines, and action items to Senior Team and Development Consultant.
· Aid in the production, completion, and submission of all grant materials, with guidance from Executive Director and Development Consultant and input from staff as needed.
· Draft routine and formal correspondence to donors and prospects on behalf of Executive Director.
· Maintain donor acknowledgment protocols and schedules across all ArtsBoston platforms.
· Manage Annual Fund campaign through development and implementation of a strategy, timeline, prospect lists, and materials, with guidance from Executive Director and Development Consultant. Manage data entry and gift acknowledgment process.
· Work with the Executive Director and Development Consultant to research both institutional and individual funding prospects and support moves management for engaging new donors, including planning and oversight for special events and other cultivation activities.
· Direct communication with and support for Board of Directors and related Committees, including but not limited to managing all meeting-related activities and correspondence and bi-weekly email updates; planning and management of orientation materials and meetings; coordination and stewardship of prospects lists and cultivation activities for potential new Board members.
· Other duties as required
· Bachelor's degree; 1-3 years of experience working in arts administration
· Excellent writing skills with a demonstrated ability to express ideas clearly and concisely, including editing and creating original materials
· Knowledge of and passion for Greater Boston's performing and visual arts communities
· Good judgment with the ability to effectively manage the expectations of others, make sound decisions within the scope of the job, and elevate issues as needed
· An optimistic attitude and a willingness to help with the ability to interact positively with the public and staff
· Demonstrated ability as a "self-starter" who shows the initiative to carry assignments beyond the original instruction in anticipation of future opportunities
· Strong organizational skills, deadline and service driven, team oriented
· Microsoft Office Suite skills a must including Excel, PPT, Word
· Salesforce (or other comparable database systems)
· Social Media experience (LinkedIn, Facebook, Twitter) a plus
How to Apply
Submit your cover letter and resume to email@example.com. Please put "Office Manager and Development Assistant" in the subject line. No phone calls, please.
Other Employment Resources


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Teamlist Tuesday is here with #NRL Teamlists and officials for Round 12 confirmed.
Head to bit.ly/L...
42 hours ago
The West Indies Ruby league Federation will celebrate a successful first year in existence when they hold their first presentation evening in the New Year.
The season has seen them win the York 9s and narrowly miss out in extra time of the semi final of the MX9s in addition to playing a 13 a side exhibition match against York Amateurs New Earswick All Blacks and their first full international against the South African Wild Dogs.
The event will take place on Saturday 5th February 2005 and will be followed by a testimonial match for Hunslet Hawks player and West Indies coach Steve Pryce on 6th February.


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- Latest available (Revised)
- Original (As enacted)
Entail Amendment Act, Section 18 is up to date with all changes known to be in force on or before 27 May 2018. There are changes that may be brought into force at a future date. Changes that have been made appear in the content and are referenced with annotations.
Revised legislation carried on this site may not be fully up to date. Changes and effects are recorded by our editorial team in lists which can be found in the 'Changes to Legislation' area. Where those effects have yet to be applied to the text of the legislation by the editorial team they are also listed alongside the legislation in the affected provisions. Use the 'more' link to open the changes and effects relevant to the provision you are viewing.
This section lists the commencement orders yet to be applied to the whole Act. These effects are included in this view as they may be (but won't necessarily be) relevant to the specific provision that you are viewing. Where applicable the commencement orders are listed under two headings, firstly those that bring some part of the Act you are viewing into force and secondly, those that bring into force legislation that affects some part of the legislation you are viewing. If you are viewing a prospective version or there is a prospective version available there may be commencement orders listed here that are relevant to the provision you are viewing.
Commencement Orders bringing legislation that affects this Act into force:
Every consent which, on the behalf of any heir of entail being under age, or subject to any legal incapacity, whose consent has been or is or shall be required under the said recited Act, has been or shall be given by any tutor or curator or other legal guardian duly authorized to consent in terms of the said recited Act on the behalf of such heir of entail shall be deemed and taken to be and shall be valid and sufficient, except in any case of application for disentailing, without the concurrence of such heir of entail, and without any consent to or approval of the actings of such tutor or curator or other legal guardian by such heir of entail; but the consent of such curator or other guardian on behalf of such heir of entail, in terms of the said recited Act, shall not in any future application under the said recited Act or this Act, or in any application under the said recited Act not yet finally disposed of (unless in any case in the circumstances of which the Court shall be of opinion that the consent of the tutor, curator, or other legal guardian alone is sufficient), be received or acted on where such heir of entail, being of sound mind, and above the age of fourteen years, shall, in the course of the application wherein such consent may be tendered, enter appearance and oppose the reception of such consent, which such heir of entail is hereby authorized to do.
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Every winter weekend, our red-blooded mates take to the field for Australia's unique brand of football – a true-blue test of skill, strength and character. This classic Barossa Shiraz is a great illustration of teamwork by combining ripe, rich fruit from the vineyard with balanced oak integration and skilful winemaking.
The St John's Road vineyard consists of vines up to 96 years old and totals 20 hectares. Winemaker Phil Lehmann - the youngest son of two Barossa icons, Margaret and Peter Lehmann - likens the preservation of these old vineyards to a combination of 'respecting your elders' with minimal interference. Phil pays complete respect to the age of the vines and the varying vintage conditions in order for the full flavour potential of these vines to be realised.
Colour: Opaque, crimson red with vibrant brick-red hues. Aroma: A complex, lifted nose of dark berry fruits and sweet spice. Blackberry and cherry pastilles are underscored by subtle hints of milk chocolate, sweet vanilla oak. Palate: Rich and densely packed, dark fruit aromas hit the palate with an immediate burst of blackberry and cherry. These primary fruit characters extend through the mid palate, combining with red liquorice to give a lingering, sumptuous finish. Complementing this long aftertaste of fruit flavour is the texture of velvet tannins with a hint of mocha and vanillin oak. Cellaring Potential: 5 – 10 years.


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At a time When wrestling was hotter than ever, the two top rival promotions were fighting for the biggest and baddest roided up guys. WCW had a different approach not only did they steal Vinny Mac's top guys but they also started amassing smaller guys from all over. This brings me to the main topic that WCW had a stellar Cruiserweight division, compared to what WWE is producing now. Having the WWE network brings back a lot of guys I had forgotten about especially a lot of the cruiserweights. At a time when if you weren't Hulk Hogan or in the NWO you couldn't become famous or make it in WCW. That statement is by far true since just about ever cruiserweight in WCW was popular.
WCW had an abundance of smaller wrestlers who put on better shows than half the NWO. You can't even get through the first hour of Nitro without half of it being the NWO theme but having the cruiserweights makes it easier to get through the NWO crap. Guys like La-Parka, Juventud Guerrera, Ultimo Dragon, Chavo Guerrero Jr, Eddie Guerrero, Chris Benoit(surprised WWE hasn't scrubbed him from the network), Billy Kidman, and Rey Mysterio. Guys like Benoit and Eddie Guerrero went on to win heavyweight championships in WWE but it wasn't until they bulked up. In WCW these guys were revolutionary because they were doing stuff that the top guys couldn't do which made them jealous because they were becoming fan favorites. Get through a 3 hour Nitro with the aid of cruiserweights, because there skills sets were beyond matchable for the time. Moonsaults off the ropes, wicked frankinstiners, suicide dives, these moves among others is what set them apart from the top guys such as Hogan, Hall, and Nash. You weren't going to tune in to see Hogan or Nash moonsaulting off the top rope IT WASN'T IN HOLLYWOODS REPERTOIRE BROTHER!!!!!!.
WCW showcased their talents by creating the cruiserweight title which was held by multiple WCW cruiserweights. Guys like Billy Kidman, Dean Malenko, Chris Jericho, and Eddie Guerrero were among others to hold the title. I showcase them over the others because of the success they brought to the title and because of the prominence, they hold in wrestling. You take any one of them in their heyday and stick them up against WWE's current group of cruiserweights and there no comparison. Today's guys may do more high flying flips but it was the WCW group who paved the way for smaller guys to make it in the business. In my Opinion, I'd much rather see La-Parka come out with a chair and attack people then watch a shitty Neville Promo in the ring. Talking about the King of the cruiserweight's guy couldn't stand a chance against a young Jericho or Eddie. WCW made cruiserweight wrestling fun because there were no restrictions it was part of the 3-hour show. With today's cruiserweights there used as a way to bolster ratings which aren't working out for WWE's flagship show Raw and if your not a die hard wrestling fan you wouldn't know who half the cruiserweights are. If the cruiserweights are to make any sort of blistering comeback they should take a page out of WCW's book and allow more time for cruiserweights and should go raid Lucha Underground for high flying talent that does just that instead of promo's.
LONG LIVE WCW CRUiSERWEIGHTS[widgets_on_pages id="wop"]
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By J. D. Salinger
This can be a chronological selection of 22 tales written by means of Salinger - starting with "The younger Folks" in 1940 and concluding with "Hapworth sixteen, 1924" in 1965 - yet omitted of his accrued 9 tales. of those ("I'm Crazy" and "Slight uprising Off Madison") have been early types of chapters in The Catcher within the Rye. "Hapworth" is a letter from Seymour Glass - this tale crammed a subject of the recent Yorker and Salinger later barred booklet of it.
Obviously passed over are any unpublished tales - reminiscent of the 2 tales held at Princeton ("The Ocean packed with Bowling Balls" and "The final and better of the Peter Pans") even though an identical narrator from these tales (Vince Caulfield) additionally narrates within the integrated tale "This Sandwich Has No Mayonnaise" and is a personality in "Last Day of the final Furlough."
The tales include:
• "The younger Folks" (Story, 1940)
• "Go See Eddie" (Kansas assessment, 1940)
• "The cling of It" (Collier's, 1941)
• "The center of a damaged Story" (Esquire, 1941)
• "The lengthy Debut of Lois Taggett" (Story, 1942)
• "Personal Notes on an Infantryman" (Collier's, 1942)
• "The Varioni Brothers" (Saturday night submit, 1943)
• "Both events Concerned" (Saturday night submit, 1944)
• "Soft-Boiled Sargeant" (Saturday night publish, 1944)
• "Last Day of The final Furlough" (Saturday night submit, 1944)
• "Once per week Won't Kill You" (Story, 1944)
• "A Boy in France" (Saturday night submit, 1945)
• "Elaine" (Story, 1945)
• "This Sandwich Has No Mayonnaise" (Esquire, 1945)
• "The Stranger" (Collier's, 1945)
• "I'm Crazy" (Collier's, 1945)
• "Slight uprising Off Madison" (The New Yorker, 1946)
• "A younger lady in 1941 without Waist At All" (Mademoiselle, 1947)
• "The Inverted Forest" (Cosmopolitan, 1947)
• "A woman I Knew" (Good home tasks, 1948)
• "Blue Melody" (Cosmopolitan, 1948)
• "Hapsworth sixteen, 1924" (The New Yorker, 1965)
Continue reading "Download E-books The Uncollected Stories PDF"


text: HOPKINSVILLE, KY. — DEADLY SHOT. The majestic golden eagle was found Tuesday by state Highway Department workers near Sharon Grove in southern Kentucky. Apparently shot about a week earlier and suffering from malnutrition, death came Thursday. ''He was a very magnificent animal, and it's just a shame,'' said Dr. Loran Wagoner, who had performed emergency surgery on the 10-pound bird with a 6-foot wingspan. Shooting a golden or bald eagle carries a federal penalty of up to a $100,000 fine or one year in prison.


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Best new links for Operating Systems - Friday, April 26, 2013
These are the top training, tutorial and news sites for Operating Systems for the date: Friday, April 26, 2013. We hope that you enjoy them.
Feel free to leave any comments about these links below.
Connectivity Considerations for SQL Server in Windows Azure Virtual Machines
Six months on, Windows 8 sales are a mystery | The Verge
5 Ways Microsoft Could Fix The PC (and Windows 8) – ReadWrite
Windows Azure: Improvements to Virtual Networks, Virtual Machines, Cloud Services and a new Ruby SDK - ScottGu's Blog
The New Face of Total Domination: Windows Azure IaaS @ General Availability - Magnus Mårtensson
Global Windows Azure Bootcamp | a Windows Azure Bootcamp on several locations globally at the same time


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Ian Doyle and the rest of the team will be with you today from 10am to ensure constant coverage of all things LFC, including news, great photos, nostalgia, live interviews and much more.
The ECHO will also provide you with the very latest transfer news as it happens throughout the summer, with every rumour and story digested and analysed each day with updates from full-time LFC reporter James Pearce, as well as LFC editor Andy Kelly.
We want you to get involved too - tell us your thoughts on what's happening at Anfield by tweeting @LivEchoLFC
Want even more LFC news, views, podcasts, analysis and more? Become a subscriber to our new premium Anfield Extra service by clicking the button below
Shut down
Right folks, that's all for today's live blog.
The good news is Joe Rimmer is back with you all tomorrow and he'll be on top of all the latest news, rumours and reports.
James Pearce has landed in Hong Kong, so there should be plenty for him to get his teeth stuck into too.
It promises to be a busy day.
Join us tomorrow morning.
Bye for now!
Neil Moxley of the Daily Mirror has penned an opinion piece on the stirrings around Merseyside this summer - and he believes Everton have got Liverpool quaking in their boots with their ambitious plans.
The Reds have broken their club transfer record with the £37m capture of Mohamed Salah of course, but the Blues' £90m outlay could be the start of a power shift, according to the Mirror scribe.
Neil writes:
It's just what Klopp doesn't need when trying to forge a new future for Liverpool FC – a resurgent Everton whose transfer business has made them as sexy this summer as Jennifer Lawrence in a basque.
Toss into the mixture a slow boil in the transfer market and the fact that everyone bar Spurs appear to be using Monopoly money to barter with and all of a sudden Liverpool look as far away as ever from making a splash."
We're not quite sure Reds fans will agree, but direct your attention (and probable ire) to the full piece here.
Fowler: £200m sees you stay still
Robbie Fowler believes that spending £200m merely sees the Premier League's top sides "stay still" this summer.
The former Liverpool striker thinks the Reds, and the rest of their top-six rivals, will need to spend huge amounts to improve their squads.
Arsenal have made a couple of decent-looking buys, too, Liverpool no doubt will and Everton are pushing with their impressive summer so far. So, if Spurs stay still in the transfer market, it could see them go backwards rapidly."
Whelan's Marko respect
It could be a big season for Marko Grujic.
And Liverpool great Ronnie Whelan is of the same opinion having seen him at close quarters against Tranmere Rovers on Wednesday, a game in which he scored.
There is a lot of good stuff about him, his control, his passing and his vision. His link-up play with Georginio Wijnaldum and Daniel Sturridge was good.
Now is the year for him. This is his year to kick-on.
He's got great vision. He doesn't have four or five touches on the ball unless he has got something in his head and he's a clever footballer
For me his main attribute is his brain, his footballing brain because he sees passes quickly.
Baggies in Hong Kong
Liverpool could face West Brom in the final of the Premier League Asia Trophy.
West Brom play Leicester City in one semi-final, with the Reds taking on Crystal Palace in the other.
Carragher v Neville Part 23987469327492384234234
Jamie Carragher and Gary Neville, eh.
They might work together on the telly, but that doesn't stop them producing top bantz on social media.
And here they are again
You'd never catch us in the ECHO office doing anything like that...
Sanchez - I want to play in the Champions League
A little general transfer tittle tattle now.
Arsenal's Alexis Sanchez, who is out of contract at the end of the season, has been speaking about his future to a radio station while on holiday at home in Chile.
I have made my decision, but now the decision has to be taken by Arsenal.
It depends on them. I have to wait to know what they want. My idea is to play and win the Champions League. It's a dream I have had since I was little.
For now I am at Arsenal and I finish my contract in one more year.
Liverpool are in the Champions League. And once wanted to sign Sanchez.
Just saying, like.
Aubameyang transfer ultimatum
If Liverpool want to sign Pierre-Emerick Aubameyang, they are going to have to get a wriggle on.
Says who? Says Borussia Dortmund chief executive Hans-Joachim Watzke.
Speaking to Welt am Sonntag (you can work out what that means for yourself), he said this on the striker.
We have not had any offers.
We will wait a few more days but not long anymore. I personally would prefer if he stays.
But there are a few clubs on this planet where he can obviously earn more.
Chelsea are said to be interested in the Gabon forward.
Tinder surprise for Reds
Kristian Walsh loves Tinder.
Transfer Tinder, that is, which was a truly great idea by whoever came up with it.
Anyway, all week fans have been swiping away. And they've decided who they want to see at Liverpool.
Beardsley at Wimbledon
There he is.
Perhaps he's trying to banish the ghosts of that wrongly disallowed goal in the 1988 FA Cup final against the Dons...
(Ask your dad)
Lucas Leiva will be met 'with open arms'
Lazio can't wait for Lucas Leiva to move to the Stadio Olimpico.
Well, that's if midfielder Senad Lulic is anything to go by.
Lucas Leiva is a great player with a lot of experience.
We have so many young players here that we need someone like him. We await him with open arms and hope he arrives soon.
Lucas is set to move to Serie A in a £5m move.
Three at StarSixes
If you've not been watching the StarSixes, it's actually been pretty decent.
The finals are on tonight but, inevitably, England are already out, beaten 3-1 by Denmark.
Steven Gerrard scored a tasty goal, though...
A cool finish from @LFC legend #StevieG! #DENENG #StarSixes pic.twitter.com/yogHUEeuHp— Star Sixes (@StarSixes) July 15, 2017
Hong Kong ahoy
Reds on a plane
Guess who Jordan Henderson is sat next to!
Lovren on van Dijk and his Liverpool future
Dejan Lovren had a bit of a chat after the Wigan friendly on Friday.
And he was asked about what he thought about Liverpool's interest in Virgil van Dijk.
I can't talk about that. I am just concentrating on Liverpool and my fitness. I think the biggest thing is to improve my fitness.
It is pre-season but the most important thing is to be free of injuries. I want to be 100%.
I just need some consistency. Last season something happened like an injury or illness and then it was two steps back and I needed a good run to be back in shape so I am preparing myself as best I can.
Still, that's progress for Lovren. This is what he did when asked about van Dijk back in May.
Brannagan on his way?
Cameron Brannagan could be on his way, if reports are led to be believe.
Brannagan hasn't featured for the first team in pre-season - he was with the under-23s instead - and isn't going to Hong Kong.
And that's prompted chat in the Independent that he won't sign a new deal at Anfield - he's got 11 months on his current contract - with apparently Stoke City, Hull City and Derby County all pondering a swoop for the 21-year-old.
Monaco bin Kylian Mbappe
He's in a bin.
PS It's an ice bath. Spoilsports.
Reds 'will sign Keita if they meet valuation'
Liverpool will sign Naby Keita if they match RB Leipzig's valuation for the player.
Says who? Says veteran journalist Gabriel Marcotti, that's who, who has been speaking to ESPN.
I think Liverpool believe that Keita wants to come and they believe via intermediaries that they have an understanding of what his terms would be.
The problem is Red Bull and Ralf Rangnick have come out and he said he does not want to sell, Keita's not for sale.
Does Keita go and try and force a move? No club wants to keep an unhappy player.
There is a valuation where Leipzig are going to sell no matter what Rangnick says.
So there.
Time to build Anfield Road end expansion?
Now, you may be aware there was been a bit of a kerfuffle surrounding tickets this week.
We've reported about this throughout the week.
Andy Kelly, our LFC editor, has looked at what this actually means for Liverpool.
And for him it's clear - the Anfield Road expansion needs to be built ASAP.
What he said
Southampton respond to Liverpool interest in van Dijk
Liverpool tour party announced
Liverpool have announced their 25-man squad for the Premier League Asia Trophy in Hong Kong.
And it's more about who isn't going than who is.
Mamadou Sakho, Lazar Markovic and Sheyi Ojo are all missing, with all three linked with moves away from Anfield this summer, either on loan or for good.
Emre Can hasn't yet returned to training after his Confederations Cup exertions with Germany, while Sadio Mane will remain at Melwood to work on his fitness.
Full squad: Karius, Clyne, Wijnaldum, Lovren, Milner, Firmino, Coutinho, Salah, Gomez, Henderson, Sturridge, Grujic, Klavan, Moreno, Lallana, Mignolet, Origi, Solanke, Matip, Stewart, Flanagan, Kent, Ward, Woodburn, Alexander-Arnold.
Reds in for Villa man?
We'll start with a new rumour, at least for this transfer window.
The Mirror are claiming Liverpool are pondering a move for Aston Villa left-back Jordan Amavi.
The French defender was supposed to go to Sevilla for £8m last week but the deal fell through as the Spaniards claim he failed a medical.
Villa aren't happy with that and refute the claim.
And now the Reds are said to want to sign the 23-year-old provided they can loan him back for a year.
How do.
Hopefully you are all refreshed despite a rather warm overnight here on Merseyside.
Liverpool are on their way to Hong Kong for the Premier League Asia Cup, where it's even warmer.
But just because they are in the air doesn't mean there'll be nothing happening with the Reds.
There will be. And you'll see it all here.
Let's do this!


text:
Mortgage Fraud at All-Time High
Incidents of Mortgage Fraud Increase 26% from 2007 to 2008
April 7, 2009 (SmartPros) Reported incidents of mortgage fraud in the U.S. are at an all-time high and increased by 26 percent from 2007 to 2008 according to a new report released by the Mortgage Asset Research Institute (MARI).
Rhode Island, Florida and Illinois top the list of states with highest mortgage fraud rates. The 11th Periodic Mortgage Fraud Case Report to the Mortgage Banker's Association (MBA) examines the current state of residential mortgage fraud and misrepresentation in the U.S. based on data submitted by MARI subscribers.
The report found that, for the first time, Rhode Island ranked first in the country for mortgage fraud with more than three times the expected amount of reported mortgage fraud for its origination volume. This is also Rhode Island's first appearance on the MARI report Top-Ten list, indicating a problematic and overlooked mortgage fraud problem in the state. Florida, ranked first in 2007 and 2006, dropped to second place and is followed by Illinois, Georgia, Maryland, New York, Michigan, California, Missouri and Colorado. The report was presented during MBA's annual National Fraud Issues Conference in Las Vegas. It is available on the MARI Web site at: www.marisolutions.com.
"With fewer loan originations today, the data suggests that the economic downturn may have created more desperation, causing more people than ever before to try to commit mortgage fraud," said Denise James, LexisNexis Risk & Information Analytics Group director of Residential Mortgage Solutions. "Not only are we seeing traditional fraud trends, such as application fraud, but we are also seeing new types of emerging fraud occur," said James. "It is therefore imperative that the mortgage industry continue to share information and insights, and collaborate in the fight against mortgage fraud."
The top fraud incident type in 2008 – representing 61% of all reported frauds – was application fraud, the fifth year in a row it topped the list. Second were frauds related to tax returns and financial statements which jumped 60% from 17% of reported frauds in 2007, to 28% of reported frauds in 2008. Additional documented fraud types included, in order of volume, frauds related to appraisals or valuations, verifications of deposit, verifications of employment, escrow or closing costs, and credit reports.
"MARI data shows that mortgage fraud is more prevalent today than it was at the height of the boom in mortgage loan originations," said John Courson, president and chief executive officer of the Mortgage Bankers Association. "This report is essential reading for mortgage bankers who need to understand where mortgage fraud is coming from, what to watch for and how to protect our companies and communities."
The report also found that:


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new poly pool being built in northern Ohio. I want to put 2" ridgid foam under the line and above the dirt. Even on the sloped walls. I will also spray foam the poly panels and suction/return lines prior to backfilling.
Has anyone tried this before and what were the results.


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Suttons Bay, Michigan Relocation and Tourist Information
Suttons Bay, Michigan Chamber of Commerce
P.O. Box 46
Suttons Bay, MI Chamber of Commerce website
|To find homes for sale or apartments for rent in Suttons Bay, MI. please visit the "Local Resources" section on this page where you will find the Realtor's multi-list, the homes for sale by owner and directory of rentals available in the area. For Information on local services and demographics, or for a list of local businesses, please visit the member directory of the Suttons Bay Chamber of Commerce. Planning on visiting? For visitor and tourist attractions, the most reliable information in any area is always supplied by those who make it home! Who better to answer the questions; "Where is Suttons Bay, Michigan and what is there to do?"


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On Saturday Nugget girl woke up with some sleep glued to her eye lashes. No big deal... until we went to get our Christmas tree and I noticed that she was officially crying sleep from her eyes. My eyes are watering now just thinking of it :/
I should have known it was coming. All last week she was very sleepy, cranky, and stubborn. The cranky/stubborn is normal but the sleepy not so much. She is almost 4 and this is the first time she has ever really been sick. But last week before dance this was what was happening in our car...
At first I thought she was reaching for something and then I realized she was not coming back up. She was knocked out. She later made a rather large scene at dance class :/ Red Flag number 2...
So we stayed at home all weekend and finally decorated for Christmas. Our girls have had Christmas trees of their own since Sugar Mama was about 2. They use all of the ornaments that do not go on the big tree. Some have been in our family since I was kid, some they have made in school, and some were purchased just for their trees. They love decorating their own trees because they can control how it looks and I get to look back at all of the ornaments from years past.
Here is Butterball Turkey. Doesn't it appear that while the two older girls were decorating their trees, she was reading quietly in her own room? Yeah let's go with that :)
Truth: She was tearing ornaments off, breaking some, eating others...
We'll call her Nugget Girl Junior :)
We're on day 3 of the quarantine and Nugget girl is miserable. She literally has the worst pink eye I have ever seen and apparently has a double ear infection. One hour, $40 later we had 3 types of meds to clear up this mess.
Have you ever tried to give a 3 year old eye drops? If not consider yourself lucky because you'll have to bring the big guns.
Today I am Thankful for:
Sweet nuzzles from my sweet girl. Nugget girl is miserable and only mommy's love can comfort her. Secretly I love this!!


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Dear Ms. Hume,
Thank you for all that you have done for me. I will always remember you as a teacher and friend. I will never forget you.
Your Friend, Britt
Dear Suzanne,
I'll never forget the look of relief on Allison's face when we introduced ourselves and your face lit up with delight, you came quickly to her and gave her a big hug. From that moment I knew she would be fine. You had a huge impact on her. Allison has a 4.0 grade point average this year and loves school.
Thanks again,
To Whom It May Concern,
I recommend Ms. Hume as an enthusiastic, hard-working, qualified teacher. I have been please to watch his academic skills grow. My son started out as a reluctant writer, but after a short time he would willingly write paragraphs analyses of science programs. She used many creative ways to help put his skills into practice, such as monitoring the stock market. My son now enjoys school.
Ann M.
I highly recommend Ms. Hume as a teacher. I have seen my daughter grow both academically and emotionally. Ms. Hume found ways of helping her without frustrating her, and she discussed my daughter's deficiency with the school. She has also provided me with educational tools for home use.
Jon is about to leave middle school and embark upon the High school scene. He is excelling in his school work and he has many friends. I believe that most of Jon's growth came from your friendship. No other teacher before even tried the routes that you took with Jon and he remembers and praises you for them. Your creative teaching style really worked on my son. Thank You So Much! Please keep in touch.
Kim W.
I haven't expressed enough my thanks to all you have done for JR. There are so many areas you have helped him that I don't know where to begin. His writing has improved significantly and he no longer dreads picking up the pencil! I appreciate all the time you have taken to help us work through JR's academic and behavioral issues. It is an honor to have my son work with you.
To Whom it may concern,
Suzanne Hume has a positive, caring attitude and a desire to help each child strive toward self-awareness and self-improvement. She is very aware of my daughter's strengths and her needs and helped her make a lot of improvement.
Lynne L.
To Whom It May Concern:
Ms. Hume is a very talented teacher. Her devotion is remarkable. She stretches my son's mind better than anyone. She MOTIVATES my son to read and study. Rarely do you find a teacher nowadays who goes the extra mile. I highly recommend Ms. Hume as a teacher.
To The Best Teacher Ever!
Dear: Whoever reads this letter,
Ms. Hume is the best teacher. Before I stunk at division but she helped me out and on my test I did not miss one. She worries about people and she lets them know, and tells them what they could do better.
Thank you,
Michael G.
"My name is Isaac Martinez. I have been a 3rd grade teacher at EUSD for 14 years. I've known Suzanne Hume personally, and professionally for 8 years. We teamed for a many years, and they were the best teaching years of my life. We had the biggest CST gains in those years that we teamed. Her capacity to deliver information and to reach students is out of this world. Not only is Suzanne an excellent instructor, but she deeply cares about all her students. A few words that would describe Suzanne are kind, knowledgable, organized, loyal, innovative, and insightful.Suzanne is respected by her colleagues and she is known throughout the district and the county for being an outstanding teacher, trainer, and mentor." January 25, 2012
Isaac Martinez, Teacher, Juniper Elementary , Escondido Union School District
worked directly with Suzanne at Escondido Union School District
"Suzanne Hume was my BTSA provider my first year of teaching and has been a fabulous mentor throughout the past five years. During my first year of teaching Suzanne was a great mentor. She helped me overcome obstacles that I came across as a first year teacher and always with a positive attitude. As a reading specialist she helped me create innovative lessons in all four core subjects as I was a 7th grade self -contained teacher. Suzanne would go out of her way not only to help me but also my fellow BTSA colleagues. She would unit us as a team or individually and answered any BTSA questions we had, give us ideas for the classroom, and help us with any problems we may have had. Suzanne has been a very supportive mentor since then. And I can honestly say that she cares about my and other people's success. Suzanne has always been a very kind and inspirational mentor, friend and colleague." January 23, 2012
Nancy Perez, Teacher, Farr Elementary School, Escondido Union School District
reported to Suzanne at Escondido Union School District
"Suzanne Hume is an intelligent, creative, hardworking and caring individual who enjoys watching progress in her students whether they are at the elementary or secondary level. As I worked with her, her knowledge as a literacy specialist and mentor for teachers was outstanding. The encouragement and positivity which she exhibits to this day in her relationships are exemplary." January 16, 2012
Josie Mock, teacher, leyte Christian college
worked with Suzanne at Escondido Union School District
"To Whom It May Concern:
It is my sincere pleasure to write this letter of recommendation for Suzanne Hume. I have worked with Ms. Hume in different capacities for over twelve years. She is one of the most inspiring professionals I have ever worked with. Ms. Hume's wealth of knowledge when it comes to education, coaching, and mentoring is unrivaled. Because of her fierce commitment to providing the best support to her students or colleagues, she has developed extraordinary skills as an educational leader.
The capacity I saw her most in was as a teacher. She worked with our lowest performing students as a reading specialist at Felicita Elementary School in Escondido. In all my years as an educator, Ms. Hume made more of a difference at our school than any other teacher. Compassion and belief in her students and her drive to help them succeed was a winning combination. These same students went on to perform very well on the CST and were given a chance of a bright future because of her efforts. She also did a lot of staff development with effective strategies that I still use today.
Ms. Hume has never been afraid to take on challenges. Her upbeat personality and positive countenance has had a strong impact on her ability to connect with people and motivate them as well.
I strongly recommend that you add Suzanne Hume as a member of your team. You would be fortunate to have her.
If you have any questions regarding Ms. Hume, please feel free to contact me at (760) 432-2444.
Jennifer Tompkins
Reading First Coach (6 years)
Elementary Teacher (19 years)" January 16, 2012
Jennifer Tompkins, Teacher, Mission Middle School, Escondido Union School District
worked with Suzanne at Escondido Union School District
"I met Suzanne in 2006 when I started my first year of teaching. She took a new and inexperienced teacher (me) and helped mold me into the confident and improving teacher that I am today.
Her knowledge, excitement and passion for teaching pushed me towards completing the BTSA program as well as learn so many strategies to increase student achievement.
I continue to consider Suzanne as a lifelong mentor. She's an expert to what seems to be everything education. From student grouping, classroom management techniques and effective layouts, she is a wealth of knowledge.
I can say with no hesitation that anybody that comes into contact with her in a professional way will benefit from her zeal for life and hard work." December 6, 2011
Ashley Campbell, Teacer, Escondido Union School District
worked directly with Suzanne at Escondido Union School District
"I can truthfully say that I wouldn't be a successful teacher today if it weren't for Suzanne Hume. Suzanne was my new teacher coach for BTSA and her instructional talent and support were unparalleled. Likewise, her uncompromising enthusiasm and positive approach helped me achieve goals I wouldn't have thought possible. Even today, four years later, I think back at how grateful I was to have her there to support me through the one of the most trying years of my professional career. Suzanne provided no-nonsense strategies, taught me skills that produced results, and was always student oriented. As I continue on my path to perfect my teaching skills and effectiveness, I would not hesitate to call on Suzanne, assured that she would respond with the highest degree of professionalism."December 4, 2011
Ann O'Neill, Teacher, Mission Middle School, Escondido Union School District
reported to Suzanne at Escondido Union School District
"I highly recommend Suzanne Hume as a teacher, tutor and a coach. She challenges my son to excel in school, reach his goals and complete projects. She sets high expectations for him and he works hard for her. Suzanne cares about my son and the students and families she works with. They all love her. She uses memorable teaching methods and she is very committed to each student succeeding and reaching their goals. She is versatile and dynamic. Her students are all ages, from young students to college kids and adults. Suzanne is hardworking and sincere which is a huge plus for parents like me. We would like tow ish her the best in all her future projects. Suzanne is a born teacher and such people add a great value to the education system." June 11, 2012
Sujata Yellaepeddi, Software Engineer, Audatex
was a client of Suzanne's
"With Suzanne as your coach, anything is possible, she's my "Velvet Hammer". Suzanne is energetic, enthusiastic and asks good questions, guiding you to realize your true potential, then helps to outline your ideas and set your career-life plans into motion. She helps you reach your creative goals with brainstorming sessions followed by recaps and hard deadlines. Her teaching background enriches people to polish their skills and to put their best foot forward in writing, speaking and presentations. Suzanne has the exceptional ability to connect with all types of people from all walks of life. She is a truly accomplished, gracious and caring person who is dedicated to helping people reach their career-life goals. I cheerfully look forward to my sessions with Suzanne, she's incredibly insightful and supportive." November 30, 2011
Marjorie KIRBY, Student, Brandman University, Part of the Chapman University System,
Utilized Suzanne as a Coach at Chapman University
"Suzanne Hume is a detail oriented and engaging educator. She takes the time to understand the skill set and needs of others and guides them to the pathway of their purpose." March 2, 2012
Kandace Michaele Burnett, BA, Shared Living Responsibilities Monitor (Volunteer), Saint Vincent De Paul Village
was with another company when working with Suzanne at Brandman University
"Suzanne is one of the most amazing coaches I have worked with, and I have worked with a few in my career. She is dedicated and always right on with her advice and recommendations and she is energetic and enthusiastic; but most importantly she cares deeply about people that she works with. I highly recommend anyone who is interested in working with a coach to work with Suzanne." January 26, 2012
Christine Y. Chang, Associate, General Ledger Resources
was with another company when working with Suzanne at Brandman University
"It is with pleasure that I write this letter of recommendation for Suzanne Hume. I have supervised Suzanne for two years at Brandman University and I value the dedication and experience Suzanne brings to students and our programs. Suzanne is an excellent professor and coach and she receives high ratings from her students and workshop participants. She demonstrates professionalism and integrity. Some of Suzanne's best qualities include: a positive and hard working attitude, solution-oriented mind-set, forward thinking and creative problem solving. Suzanne is successful working with a wide variety of people: traditional, non-traditional, and disadvantaged students, and those with special situations, disabilities and challenges.
Suzanne is genuinely interested in the success of each student and person she works with. She prepares students for exams, projects and interviews and coaches students to be effective with time management, goal setting, resources and technology. Suzanne engages students and workshop participants with innovative instructional methods, Whole Brain Learning, group work, and she organizes and summarizes the main ideas from each class in a meaningful way. Suzanne facilitates meetings and advocates for people by attending professional networking events and connecting employers and prospective employees and she keeps herself current in her industry.
Suzanne Hume would be an asset to any organization and feel free to contact me for more details if you need them.
Dr. Flavius A B Akerele
Campus Director
Brandman University - San Diego Campus" January 13, 2012
Dr. Flavius A B Akerele III, Campus Director, Brandman University - Chapman University System
managed Suzanne at Brandman University
"It is a great privilege to work with Suzanne! Suzanne is an energetic and inspiring trainer and coach who has helped (and continues to help) me assess my life and career goals, get organized, and plan and implement my blueprint for success. Suzanne is like a G.P.S. device that helps me figure out where I am, where I need to go, and best of all, how to get there. Suzanne is great at breaking down large tasks into small, manageable pieces. With her help and guidance, I have already achieved several personal milestones: my time management and accountability performance have greatly improved and I have been able to stick to the deadlines I established for my job search and finishing up my dissertation in higher education. Because of Suzanne's infectious positive attitude, high energy, creative approach, and most importantly, the RESULTS I have achieved so far, I look forward to continuing our career and life coaching sessions. I highly recommend Suzanne as a person of great integrity and positive and creative energy who delivers results." December 1, 2011
Top qualities: Great Results, Expert, High Integrity
Joy Lorenzana
hired Suzanne as a Career Coach in 2011
"Suzanne and I are colleagues at Brandman University and we recently worked together as instructors and team coaches during a two week intensive career strategies workshop. Her positive mindset, interaction with the participants, and dedication to maintain a structured process proved to be invaluable toward the success of the program. Her upbeat personality and passion for her work allows her to easily build trusting relationships with her students and fellow instructors. Her enthusiasm for helping others build their skills and find their optimal career path is a key factor in her success as a coach and a career services professional." November 30, 2011
Steve Smith, Business & Professional Studies, Brandman University - Chapman University System
worked directly with Suzanne at Brandman University
""Suzanne is a game changer. She is a dynamic, uplifting, career and life coach who is extremely adept at understanding how people can improve their lives. Suzanne helped me to: (1) quantify and seek my ideal job; (2)refine my verbal and non-verbal communication skills; and (3) build on my leadership experience and project my strengths to assist me in landing a financial management position. Suzanne is an excellent planner and organizer who streamlines and simplifies tasks and uses our time productively. She quickly and accurately determined my needs and effectively communicated a plan of action. Suzanne is an effective coach who, taught me that by slowing down, and living a health lifestyle, I would enjoy a longer and more satisfying career and enhance my quality of life. Suzanne is trustworthy. For my personal growth, she demonstrated integrity by telling me what I needed to hear, and not what I wanted to hear. "" November 29, 2011
Leonard Legotte, MBA
hired Suzanne as a Career Coach in 2011


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Shop Announcement:
Shop my new collection of leather Artists' Sketchbooks with a choice of watercolour, cartridge or pastel papers. Bespoke work is my speciality, so get in touch to commission a book that's exactly right for you.
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Classic Wedding Guest Book: White & Natural Leather. A5 Medium
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PAGES: 192 pages of Mohawk Superfine Smooth 118gsm paper
- Special frontspage: Happily ever after
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SIZE: A5 Landscape
- Height: 6 inches
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Unless faulty, the following types of items are non-refundable: items that are personalised, bespoke or made-to-order to your specific requirements; items which deteriorate quickly (e.g. food), personal items sold with a hygiene seal (cosmetics, underwear) in instances where the seal is broken.


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I'm on my second quilting retreat in three weeks.......what fun! Back at Brown Bear Lodge where we've been renting a house for the last 3 years. We stopped at every quilt store on the way up today and really helped the slow ecomony. We quilters know how to spend money.
Here is the full room.....with the pool table covered with a special top and we use it for a large cutting table. We brought up tables and rearrange the room.
See my machine below....with my bella bella project all ready to sew.
The table that we use for ironing.
Here is Julie reading magazines and resting on the deck out front.
Pat working in the kitchen.....we won't go hungry....lots of goodies to eat and keep us fueled to sew.
The first person sewing.......Pat hard at work.
We had a wonderful dinner and some people have gone to bed. Only a few people sewing right now at 9:30 at night. I'm done for the night and will be going to bed soon.
Wednesday, September 10, 2008
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