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Mike Baghramian (Co-chair)
President, Bager Electronics
Mike Baghramian is founder and president of Bager Electronics, which he started in 1980. Bager sells electronics components to customers in Southern California, representing a variety of leading semiconductor companies. Before establishing Bager, he was area sales manager for American Micro Systems. Baghramian holds a BS in Electrical Engineering from CSULB and has over 40 years of high-tech sales experience. He also serves as a down-select judge.
Gail Meredith (Co-chair)
Information Technology Director, Boeing (retired)
Gail has been in Information Technology for over 35 years. Gail retired from Boeing in 2015 after 30 years. Gail's roles at Boeing included: Director, Information Development and Training and Director, Windows 7 Program Office. During Gail's career at Boeing, she worked in 12 different IT jobs as her technical and management skills grew. Gail earned a Bachelor of Science degree in Psychology from University of Dayton and a Master of Arts degree in Education. She currently teaches computer classes at Osher Lifelong Learning Institute at CSULB. Additionally, Gail is the Technology Committee Chairman for the Assistance League of Long Beach (ALLB).
Forouzan Golshani
Dean, CSULB College of Engineering
Forouzan Golshani has led the CSULB College of Engineering since 2007. During his tenure, the College has achieved numerous high rankings and the size of its graduating class has doubled. An IEEE Fellow, he holds a dozen U.S. and international patents and is founder of three successful companies. He has authored more than 200 articles and served as editor-in-chief and board member of several scientific publications, including IEEE MultiMedia and IEEE Transactions on Multimedia. A former advisor to the Costa Rica Minister of Science and the President of Technologica de Costa Rica, Golshani has served in senior management and technical consulting positions at well-known corporations, including Bull Worldwide Systems, Honeywell, Intel, McDonnell Douglas Helicopter, Motorola, and Sperry.
Cyrus Parker-Jeannette
Dean, CSULB College of the Arts
Before being appointed Dean of the CSULB College of the Arts, Cyrus Parker-Jeannette served as chair of the Dance Department. She combines years of experience as a professional dancer and choreographer with an additional love of theater. Parker-Jeannette has directed equity-waiver theatre and served as a movement consultant and choreographer to regional theatre companies. She received her MFA from University of California, Irvine. A dance historian, she has been a featured speaker at the Orange County Performing Arts Center and the Bowers Museum and received the 2003 California Dance Educator of the Year Award and 2004 Director's Award for Outstanding Contribution in Dance Education.
Michael Solt
Dean, CSULB College of Business Administration
Michael Solt is Dean of the College of Business Administration and Professor of Finance at CSULB. Previously, he was Associate Dean for the Lucas Graduate School of Business at San Jose State University. Solt's teaching focus is new venture finance and international finance, and he has taught both graduate and undergraduate courses. His current research interests lie in new venture finance and entrepreneurship, but he has also studied international finance and many aspects of investments. Solt's work has been published in a variety of academic journals.
Wesley Woelfel
Associate Professor, CSULB
Wesley Woelfel is Associate Professor in the CSULB Industrial Design program. His international professional experience spans many design disciplines from industrial, to display and exhibition, environments, thematic, and game design. Within this variety of disciplines, his work has won an array of prestigious professional and scholastic design awards. For the past several years, Woelfel has worked on designs incorporating soy-based urethanes and solid-surface materials made from 85 percent reused material for clients including Toyota, Starbucks, and Walmart. Woelfel serves on the CSULB Sustainability Task Force and works as the Design Director at a design and manufacturing firm in Los Angeles. He also serves as a down-select judge.
Mahdi Yoozbashizadeh
Assistant Professor, CSULB
Mahdi Yoozbashizadeh has supervised more than 45 senior design projects, including several funded by industry and two that led to the launch of startups. Since joining CSULB's Mechanical & Aerospace Engienering Department in fall 2013, he has conducted four industry-funded research projects in the fields of aerospace automation, sealant-flow process control, plasma treatment of composite structures, and metal-ceramic composite manufacturing by 3D printing. He received his Ph.D. in Industrial Engineering with a focus on Manufacturing from University of Southern California in 2012. He also worked as a lecturer and research associate in the field of digital fabrication at USC. He teaches undergraduate and graduate classes in the areas of design, CAD/CAM, manufacturing processes, and design of experiments.


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Nothing is better than throwing on your team gear and preparing for what you know will be an awesome game played by your favorite team, of course! You desire your experience to come with all of the fanfare…tailgating, hanging out, screaming your favorite cheers, and best of all- the great food that you will partake in before, during, and after the game. You already know what to expect from the closest concession stand. But, did you know, that even ballparks are trying to become even more health conscious? Okay, so they are not totally healthy, and if they were, that would definitely ruin the whole experience. But you do not have to eat total junk every time. Now, we are beginning to see healthier options being offered. So, you can snack good and feel better too. Here are some health conscious options that are being offered by many parks in the United States.
1. Sushi. Imagine having sushi delivered straight to you in the middle of your favorite ball gain. Talk about eating high class at a ballpark! This will be so much healthier than those loaded nachos you would have liked to order. And not only that, you will save time because you will not have to wait in a long line to receive it. Sushi provides vegetables, healthy carbs, and protein, of course. This is a dish that is bound to be consumed quickly by you and everyone sitting around you.
2. Nuts. So we all know, that boiled peanuts rule at the ballpark. Just take a look at the ground and notice all of the shells that have been trampled upon. But now, pistachios, which are known for being low fat and low calorie, are being offered as snack nuts at the game. Because of their protective shell, it will also take longer to eat, causing you to possibly eat less.
3. Light Sandwiches. Instead of hot dogs, you may be offered a grilled chicken sandwich on wheat, or have a healthy turkey option. These sandwiches are far healthier for you than other burgers and franks, with heavy laden chili, cheese, and other condiments. Lean protein is definitely the way to go.
4. Corn on the cob. Who doesn't love a beautiful ear of corn? Corn is full of fiber and jam-packed with nutrients. Try to steer clear of corn toppings such as cheese, heavy butter, and mayo. You can spice thing up with jalapeno or chili powder.
5. Bowl of Fruit. Bowls of anything, nachos, popcorn, you name it, the ballpark has it. But now, parks are beginning to offer a bowl of fruit and even fresh vegetables…and it's not just for the kids. It's for adults too. Sliced fruit is always refreshing and hydrating during a hot day at the ballpark. And remember, as an adult, you are setting a great example for your children by selecting easy and healthy choices in a different environment. They copy what they see, and will be more likely to duplicate your behavior and habits.

subset: commoncrawl


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Shakespeare's Henry VIII and Measure for Measure will receive their first productions at the Pennsylvania Shakespeare Festival in the company's summer season of 2013. The season will also include Oscar Wilde'sThe Importance of Being Earnest, the award-winning comic-thriller, The 39 Steps, and Rodgers and Hammerstein's legendary musical, Oklahoma!
"For most of our patrons, the pulse quickens a bit when the opportunity presents to attend a Shakespeare play they haven't seen, or have seen infrequently," says Patrick Mulcahy, producing artistic director. "And we are all reminded of why the classics endure."
For the third consecutive season, PSF will produce two plays in repertory on its main stage: Measure for Measureand The Importance of Being Earnest. Earnest will be directed by long-time Festival artist Jim Helsinger, who will also play the role of Lady Bracknell.
Following his powerful interpretation of Sweeney Todd for the Festival last summer, Associate Artistic Director Dennis Razze will direct Oklahoma! "Oklahoma! is the most produced of all of Rodgers and Hammerstein's musicals and it was their very first collaboration," Razze says. "The musical form was forever changed afterOklahoma! debuted, and today it remains a rousing and inspiring tribute to the American spirit."
After garnering Tony and Olivier awards and audience raves around the country, The 39 Steps receives its professional Lehigh Valley premiere with the PSF production. "Even with our proximity to New York, many in our community have yet to experience this masterful, comic whodunit," Mulcahy says. "With four actors playing 150 characters, this play gives actors a great opportunity to showcase range and test their transformative abilities, and audiences a chance to come along for a wild and exhilarating ride." Matt Pfeiffer, who previously directed The Complete Works of Shakespeare (Abridged) in 2009 for PSF, returns to direct.
Henry VIII – one of Shakespeare's final plays, loosely chronicling the opulent corrosive power struggles of the notorious king's reign – will be rehearsed similarly to the way Shakespeare's company would have and in the way PSF presented King John and The Two Noble Kinsmen in the past two seasons. Actors will arrive with their lines learned, rehearse on their own, wear what they can find in a costume shop "raid," and open in a matter of days. No director – the position didn't exist in 1613 – and no designers. (Most productions at PSF rehearse for three-plus weeks, with a director and a full complement of designers.)
"With two years of experience now, we've found that the actors and patrons embrace this process, and the final production gives our audiences something akin to what we think Shakespeare's audiences experienced – the thrill of the unexpected, the creative, and the unique power of adrenaline combined with discovery," says Mulcahy.
The 2013 season will also include two productions for children: Beauty and the Beast and Shakespeare for Kids.The season opens May 31 and runs through August 4 in the Labuda Center for the Performing Arts on the Center Valley campus of DeSales University.
Subscription renewals are currently available to 2012 patrons; new subscriptions will be available after January 1st.
The Pennsylvania Shakespeare Festival, a professional company in residence at DeSales University, is the Official Shakespeare Festival of the Commonwealth and a professional, not-for-profit theatre company. An independent 501 c 3 organization, PSF receives support from DeSales University and relies on contributions from individuals, government agencies, corporations, and foundations. PSF is a constituent of the Theatre Communications Group (TCG), the national organization for the American theatre, and a member of the Greater Philadelphia Cultural Alliance, the Shakespeare Theatre Association, the Lehigh Valley Arts Council, and Discover Lehigh Valley.
Main Stage Theatre Oklahoma! • June 12 – June 30
Measure for Measure • July 18 – Aug. 4
The Importance of Being Earnest • July 10 – Aug. 4
Schubert Theatre The 39 Steps • June 19 – July 14
Henry VIII • July 24 – Aug. 4
Beauty and the Beast • May 31 – Aug. 3
Shakespeare for Kids • July 24 – Aug. 3
See More Latest News >>
Explore the Division
of Performing Arts
DeSales University
2755 Station Avenue • Center Valley, PA 18034
Copyright © 2018 DeSales University


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Unfortunately this product is currently not available.
Dazzle on the dancefloor with this irresistible, on-trend choker or double-wrap bracelet, covered with Swarovski's signature Crystal Mesh in golden tones for an ultra-glamorous glittering finish. The gold-plated design features an adjustable chain closure, and comes with an additional, removable extender to increase the necklace length by an extra 5 cm if desired.


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Charter Prices on Weekly 7 - Days Basis in EUR.Click on the date you are interested in to check availability. Food and drinks are extra.
|Apr 2018
|28. Apr35.000€
|May 2018
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|08. Sep42.000€
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|Oct 2018
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Best Way To Delete 1-844-749-1071 Pop-up from Windows 2000
Infections similar to 1-844-749-1071 Pop-up
|Browser Hijacker
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Infected with 1-844-749-1071 Pop-up? Best Strategies To Delete Virus From Infected Operating System
Detailed Information About 1-844-749-1071 Pop-up
1-844-749-1071 Pop-up is a type of dangerous computer virus which is able to modify crucial system settings without asking user's permission. It can reroute web surfers to shady websites in order to promote those domains that are try to increase their page rank and popularity. By promoting these web portals and helping their developers to improve visitors traffic, the operators of this malware earn money. Besides, it may display annoying ads on your PC screen that are meant to grasp your attention and lead you straight to the affiliate sites. That's why, 1-844-749-1071 Pop-up ridden browsers or computers become impossible to use due to the slowdowns or unexpected system crashes, forcing the victimized users to look for its Deletion solutions.
1-844-749-1071 Pop-up : Distribution Methods and Techniques
The malware is able to infect the user's Operating System without their knowledge. It can affect the systems running Windows 2000 and other OS's as well. Most of the time, the threat spreads with the help of freeware and sharewares. It is mostly used to deploy other noxious viruses onto the infected machine. 1-844-749-1071 Pop-up can get inside the PC without user's consent because it tend to arrive in malicious files attached to spam emails which present themselves as important messages from reputable or known parties and persons. Once the user is tricked into downloading and opening such attachment, the parasite will be installed immediately onto their machine. Moreover, it is also distributed by bogus pop-up alerts that can be seen either on legitimate or scam-related domains.
Operating System Related Issues Caused by 1-844-749-1071 Pop-up
Here is a complete list of typical features of this infection which manifest onto the infected Windows 2000:
Pop-up Ads, In-text Links and Banners: The threat is supposed to promote their sponsored websites that are seeking to increase their marketability.
Unwanted Redirects: 1-844-749-1071 Pop-up tends to reroute affected users to shady web pages with or without their permission in order to increase the traffic of these domains.
Tracking Online Activities: It captures the information related to user's interests, such as their search queries, viewed web portals, entered data, email address, IP address and its geo-location.
Unauthorized Installations: This malware often attempt to download and install additional third party applications onto the infected Operating System to promote them or to use them for tracking user's online browsing activities.
File Encryption: It also encrypts the files stored on compromised machine by using strong encryption algorithm. Then after, it demands ransom money to provide the decryption tool which is necessary of file restoration.
Computer Performance Issues: 1-844-749-1071 Pop-up is badly programmed by the hackers, so that they can cause various malfunctions, such as Operating System slowdowns and system's instability.
|Step By Step Guide To Get Rid Of 1-844-749-1071 Pop-up from Windows 2000
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Click To Download Automatic 1-844-749-1071 Pop-up Scanner For Free
Effective Way To Delete 1-844-749-1071 Pop-up From Affected Systems & Browsers
Method 1: Effective Way To Start Windows 2000 in Safe Mode For 1-844-749-1071 Pop-up Deletion
Method 2: 1-844-749-1071 Pop-up Deletion Report For Affected Internet Explorer
Method 3: Effective Way To Reset Web Browser Settings To Rip Out 1-844-749-1071 Pop-up
Method 4: Rip Out Unwanted Methods of 1-844-749-1071 Pop-up From Windows Task Manager
Method 5: Effective Way To Delete 1-844-749-1071 Pop-up From Control Panel of Operating System
Method 6: Effective Way To Rip Out 1-844-749-1071 Pop-up Related Malicious Registry Entries
Method 1: Start Your Operating System in Safe Mode with Networking To Delete 1-844-749-1071 Pop-up
Windows XP / Windows Vista / Windows 7
Keep pressing F8 button when your Operating System starts booting.
Now, you will see "Advanced Boot Options" window on your PC screen.
Select Safe Mode or Safe Mode with Networking option and hit Enter button.
Then after, find and Rip Out 1-844-749-1071 Pop-up from your machine Manually.
Windows 8 / Windows 10
Tap on "Start", press Shift key and then click on "Restart".
Select "Troubleshoot option" and tap on "Advanced" options.
Choose "Startup Settings" and click on Restart.
Press F5 button to enable your Windows 8 or 10 PC in "Safe Mode with Networking".
After your Operating System starts with Safe Mode with Networking, search for 1-844-749-1071 Pop-up and Delete it as soon as possible.
Method 2: Rip Out 1-844-749-1071 Pop-up Related Toolbars & Extensions From Infected Internet Explorer
Delete 1-844-749-1071 Pop-up From Mozilla Firefox:40
Open Mozilla Firefox:40 and tap on gear icon to open browser menu.
Select Add-ons and in this tab, choose Extensions or Appearance panel.
Now, identify 1-844-749-1071 Pop-up related add-ons and tap on "Remove" button.
Deletion of 1-844-749-1071 Pop-up From Chrome 49.0.2623
Open Chrome 49.0.2623. To open Chrome menu, click on the gear icon placed at top right corner of your browser.
Click on More Tools option and go to Extensions.
Select unwanted extension of 1-844-749-1071 Pop-up and tap on Trash bin icon.
Deleting 1-844-749-1071 Pop-up From IE 8:8.00.6001.18702
Open IE 8:8.00.6001.18702. Click on Gear Icon from right-top corner in order to open Tools menu.
Tap on Manage Add-ons and select Toolbars and extension tab.
Find add-ons related to 1-844-749-1071 Pop-up and click on Disable button.
Method 3: Effective Way To Reset Internet Explorer Settings To Rip Out 1-844-749-1071 Pop-up
Resetting Chrome 49.0.2623 For 1-844-749-1071 Pop-up Deletion
Open Chrome and tap on Chrome menu, then go to Settings option.
Type Reset in the search box and click on Reset button.
As a result, 1-844-749-1071 Pop-up will be removed Assistance For from your Chrome 49.0.2623.
Reset Mozilla Firefox:40 To Delete 1-844-749-1071 Pop-up
Start Mozilla Firefox:40, click on Firefox menu and tap on Troubleshooting Information option.
Now, press "Refresh Firefox" button placed at the top of the page.
In the appeared dialog box, click on "Refresh Firefox" button.
Resetting Mozilla Firefox:40 will result in the complete Deletion of 1-844-749-1071 Pop-up from your browser.
Reset IE 8:8.00.6001.18702 To Delete 1-844-749-1071 Pop-up
Open IE and click on Tools menu, then select Internet options.
Tap on Advanced Tab and hit Reset button.
Tick "Delete Personal Settings" option and click on Reset button.
Finally, tap on Close button and restart your IE 8:8.00.6001.18702. You will find the permanent Deletion of 1-844-749-1071 Pop-up.
Method 4: Rip Out Malicious Processes of 1-844-749-1071 Pop-up Running on Windows Task Manager
Press "Ctrl + Alt + Del" keys altogether to open the Task Manager.
To identify unwanted processes of 1-844-749-1071 Pop-up running on the Task Manager, click on Processes tab.
Select all the malicious processes and tap on "End Process" button.
Method 5: Delete Annoying Programs Associated with 1-844-749-1071 Pop-up From Control Panel
Tap on Start button and select Control Panel option.
Under the "Programs" category, select "Uninstall a Program" option.
Finally, click on "Uninstall" button after selecting all unwanted programs installed by 1-844-749-1071 Pop-up.
Method 6: Effective Way To Rip Out Harmful Registry Entries Created by 1-844-749-1071 Pop-up
Press Start button and choose Run option.
Type "regedit" and hit Enter button to open Registry Editor.
Find and Delete all the registry files related to 1-844-749-1071 Pop-up.


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HA NOI (VNS) — An exhibition featuring over 100 posters of Viet Nam, Vietnamese films, documentary DVDs and postcard collections of Vietnamese films gathered since 1959 will be held at Virka Gallery, in Helsinki, Finland between September 12 and 18.
The event, which is organised to commemorate the 40th anniversary of diplomatic relations between the two countries, will also screen documentaries on Viet Nam with English subtitles.
Most of the posters feature famous Viet Nam films including Canh Dong Hoang (Abandoned Field: Free Fire Zone), Dat Nuoc Dung Len (Country Rises Up), Hoa Cua Troi (Flowers Of the Sky) and Nguyen Ai Quoc O Hong Kong (Nguyen Ai Quoc in Hong Kong).
The Finnish embassy also held a series of activities across Viet Nam earlier this year, including the 100 Years – 100 Posters exhibition, which featured posters on Finland from the early 20th century. — VNS


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Boston Residential Group, which owns and manages more than 1,200 luxury apartments and condominiums in Greater Boston, has been tapped by Twining Properties to manage its Watermark Cambridge development in Cambridge.
Completed in 2006, Watermark Cambridge is a 23-story, 320-unit luxury apartment complex in Cambridge's Kendall Square neighborhood. Amenities include 24-hour concierge laundry and dry cleaning services, errand running, chef's services, child care services, event and travel planning and pet care services. BRG said it has a dedicated client services representative for the property to focus solely on residents' needs.


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Tuesday, July 20, 2010
Panda Love
Marty Baumann just forwarded me this beautiful piece of artwork which he has created for Mother Hen. I love it! . . . so peaceful and serene. He tells me that it is not completely finished yet and reserves the right to revise it . . . but I just wanted to give everyone a sneak peak.
Posted by Leaf at 4:50 PM


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Cheese Shop
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Just received my jersey today and I love it.., the only thing is the size it's huge. I don't want a refund but I'm thinking I need the next size down (XL) if it's in stock.
Bruno Guerreiro
It runs a bit large but not enoug to size down. Purchased 3 of these for baseabll season for family to support my son and his team THE ORIOLES! I added vinyl to the shirts and they are perfect!
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Comfort room
Comfort rooms are available as twin or double rooms and offer charm and comfort in equal measures. Bright and cosy, they can accommodate either one or two guests. Whether you are staying alone or as part of a couple, you are bound to appreciate the cosy atmosphere they provide.


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LSAC Research:
The LSAC Psychometric Research staff regularly monitors various psychometric and statistical properties of the Law School Admission Test (LSAT). LSAT Technical Reports document the results of these analyses on a regularly scheduled basis. The table below describes the technical report topics with their respective replication cycles.
LSAC Psychometric Research and Test Development staff members regularly carry out research in support of the LSAT, as well as theoretical research in the area of psychometrics. LSAC also regularly supports university researchers exploring topics of relevance. This research is published in the Research Report series.
LSAC staff members periodically investigate the underlying statistical or psychometric characteristics of the LSAT, as well as the behavior of the law school applicant population. The results of these investigations are published in the Statistical Report series.
From July 1995 through March 2005, LSAC carried out an extensive program of research aimed at evaluating the feasibility and advisability of implementing computerized testing for the LSAT. Over the course of this initiative, members of the LSAC Psychometric Research and Test Development Groups, along with 17 funded researchers from 12 universities, produced numerous research reports specific to the area of computerized testing. These reports are published under the category of Computerized Testing Reports.
Through the work of the Research Grant Program, LSAC funds research on any aspect of legal training and legal practice related to the mission of LSAC. Reports on research funded through this program are published in the Grants Report series.
LSAC has archived all earlier replications of LSAT Technical Reports, as well as all Research, Statistical, Computerized Testing, and Grants Reports that were published 10 or more years ago. These reports are still available upon request.
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What if you could be the person that sparks a revolution? What if a picture could tell the how things changed? This is the story about Bryan Jaybee's project, the story of a journalism student, of "a young man with a dream, a mission and a passion. Telling stories of the place I was born and bred – Kibera slum- in pictures and in captions"
Images from the biggest slum in Africa
Kibera slum has been said to be the home to 350,000 people (or maybe 1 million based on certain estimation by the UN-Habitat), making it the largest slum in Africa. But while this is just a number for most people, for Bryan they were thousands of stories to be told. And KiberaStories would became the window to show what happens there every day.
Born out of his passion for photography and what Kibera means to him, Bryan started shooting everything that he came across ,no matter if it was good or bad, with his camera phone. The objectives over limitations.
In October of 2013 he started a Facebook page to his photos with relevant captions of the stories he saw, he posted the first KiberaStories. One year later, at the beginning of 2014, there was a big increase in traffic over his pages. He realized there was interest by others, there was a way to keep this project going on.
Bryan said that "The feedback has been amazing… I have made and met some really good friends from the internet" Reading comments by a lot of people that the impact about Kibera Stories has been a constant motivation. "At times I would get an email of someone asking me if they could help me in any way with Kibera Stories" and he expects to fulfil his dream of a complete gallery of dreams and hopes.
The reality in Kibera
"There was a time a received a very long comment on one of the pictures I posted on Instagram and this person was asking why I always highlight the 'downside' of Kibera… Truth is that Kibera is my home and I live there until this very moment, and Kibera as I know it is a highly impoverished area lacking quite a number of facilities but some people wouldn't just accept that fact in general. But then again there are some good parts too that usually pass my way and I fail to highlight them. My mind is usually set to tell stories mostly affecting the typical slum dweller in Kibera. But all the same the Kibera I know is one where a toilet can be shared by over 200 people. The Kibera where garbage trash is dumped in any open space available. The Kibera where, when it rains it leaks heavily inside your houses. So I usually don't just highlight the bad side of Kibera and people should get rid of that misconception. These are the kind of stories we grew up with and I have seen minimal change take charge in action"
The Road Ahead
KiberaStories is over 1 year old. And while one of the objectives of him is to "make it through exhibitions and other major publications and media platforms". All the passion and all the energy that is being put into practice are very rewarding but his dreams is to expand this world of one storyteller to many more.
Bryan wants to teach the kids in Kibera the basics of photography so they can tell their own stories, with their own pictures. A short article was published looking for any type of cameras that could be donated (You can find the article here). If you want to donate, offer any type of feedback, be sure this project has a great person behind it.
At the end of the day if you wants to help in any way I would encourage you to follow his accounts:
Every like counts here, they will help to raise awareness about what happens in Kibera, with his project or similar, it will mean that we are not so blind to this and similar problems that happens in every major city in the world.
This project is a way that may take Bryan to greater heights, seen him in the future covering stories from all over the slums of the world. And you can do it to, all that is required is some passion, some drive and giving a hand in any way you can. If you can to collaborate with him you can reach him over here: email@example.com
Today for me it was this post, what about you? What can you do?
Different perspectives about Kibera from The Economist: How this can be the most entrepreneurial place in the planet and Shanty-towns may be more of a trap than economists thought


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TaylorMade M3 Graphite Irons
Code: 332460
Interest free credit available on this product.
T&Cs apply. Subject to Status. 18+. Click here for more info.
Product details
"We packed this iron with our key performance technologies such as RIBCOR, Face Slots, Speed Pocket, 180º Fluted Hosel, and tungsten weighting in a very low-CG package intended for the better player looking for more distance. The shaping has been improved compared to prior models in this category. The M3 iron features a smaller profile, thinner sole, topline, and new leading edge to inspire confidence and allow for precision and workability."
Tomo Bystedt – Senior Director – Product Creation
M3 Graphite Irons:
- Serious distance
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- Ribcor technology
- 15 gram high density weight
Ribcor Technology
RIBCOR localizes face flexibility in the hitting area, transferring more energy to the ball to increase distance and forgiveness. It also stiffens the perimeter of the head creating a more rigid structure, enhancing sound and feel. RIBCOR mitigates toe flexibility for tighter dispersion
More distance through advanced construction
Max-COR design increases ball speed across the face to produce distance and consistency from heel to toe. The ultra-thin leading edge works in conjunction with the Speed Pocket to increase speed on low-face shots. A 15-gram high density tungsten weight optimizes CG placement and improves MOI
Increased sole radius and leading-edge ski for proper turf interaction and cleaner address view and the Mitsubishi Tensei graphite iron shafts provide a stable platform for players who still value distance, but require workability
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Discussion in 'NDS - Flashcarts and Accessories' started by Raven Darkheart, Feb 10, 2009.
its for 5 $
im about to buy it
good or bad idea?
There are cheaper good ones on DX.
DX shipping times blow
i agree with him
but if you dont want to wait
go for it and buy it
its cheap enough
just checked the one on DX its not really 2000 mah
What makes you think this one is?
Did you get the $5.00 2000mAh battery.
Could you possibly put up a short review with run times even a thumbs up or down would help.
batteries at DX are like 1800 then stops..
i think >.
Just keep in mind that inferior Li-ion batteries may explode.
that is true, well, kind of, they will catch fire. but to be honest, the unofficial and official batteries are both made in china and probably both made in the same factory...
just bought it today
i'll let you guys know when i it


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- Home
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Questions and Answers about Employer Responsibilities Concerning the Employment of Muslims, Arabs, South Asians, and Sikhs
Religious Accommodation in the Workplace: Can We Strike a Balance? Download PDF of article by Joan A. Evans, University of Rhode Island


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Black by Keith Saha, directed by Julia Samuels, designed by Miriam Nabarro, lit by Doug Kuhrt
Nikki doesn't think that her Dad is a racist… He just cares deeply about his community…
But when a Zimbabwean family move in over the road, the dog won't stop barking… the local kids start lobbing stones…and her Dad starts laying down the law.
This provocative and engaging new show from 20 Stories High digs deep at the heart of racial tensions in the UK today.
"If bravery be applauded for writing such a piece of glorious theatre such as Black, then for Craig Shanda and especially Abby Melia, the performance was near absolute and astounding."
Black, Ian D Hall, Liverpool Sound and Vision
Black is Miriam's second collaboration with Julia, Keith and Doug for 20 Stories High. It played at the end of January 2015 to packed houses and standing ovations at the Liverpool Playhouse Studio, and is on tour through Spring 2015.


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Here's that pickup truck Kolchak is talkin about...
I drive a pick up. I don't think I have enough money to fill that up.
Here's that pickup truck Kolchak is talkin about...
Actually I think a pick up truck would have a lot of decorating possibilities if done right! One suggestion is to put a coffin inside and have a zombie or a skeleton pop out of it. You could also string some lights around the edges. Or maybe you could dress it up like you're an undertaker and that's your grave yard work truck.
My trunk isn't that big, I'm driving a Honda Civic, but I might be able to get creative with it. I guess I'll wait until it gets closer to Halloween before thinking about decorating the car. I want to think of all the possibilities for decorating the house first.
Dang Son! We drive Fords down here! If I knew how I'd post a photo of my Raptor. It's just like me. Gorgeous AND Lethal :!: :!: 8) 8) :twisted: :twisted:Originally Posted by NeverMore
Rednecks are in Texas and Oklahoma. Georgia and Florida, we're called Crackers.
That's so funny about the truck--we do drive Fords down here! My husband doesn't want anything else. He has a King Ranch, and when Jimmy Fallon also bought one, my husband tweeted to him, 'There are two kinds of people in the world, those who drive a King Ranch, and those who wish they did.' Fallon 'liked' the tweet, or whatever you do with tweets to highlight them, and so did the president of Ford, or whoever is over that division of Ford.
I think 'rednecks' can be used about states other than TX & OK--probably my stomping grounds of Mississippi, Arkansas, and Tennessee, too. The crackers are in Georgia, and I'll take your word for it that 'cracker' applies to Florida as well.
Lincoln produces a pick-up truck that is sold only in the South. We laugh whenever we see one. We prefer our King Ranch, actually.
So what do you all call the country folks who live in New York state?
I've been dubbed a 'Yankee-billy' before.
That's actually pretty cool Murf. My dad's a Ford guy himself. I just drive whatever runs good and is good on gas.
Redneck is pretty much a catch all to describe white people. People who work farms in the Fresno area of California are also called rednecks. Cracker and Redneck are the only ethnic slurs that are allowed today. You can be called that without fear of losing your job and be required to attend sensitivity training.Originally Posted by Murfreesboro
Cracker in Georgia and the South Carolina low country comes from old men sitting around the cracker barrel in general stores and discussing things.
In Florida it comes from the cracker cowboys who cracked their whips to herd and drive cattle. Florida has a long history of cattle ranching, and is still the largest cattle producing state, east of the Mississippi river.
Lincoln produces a pick-up truck that is sold only in the South. We laugh whenever we see one. We prefer our King Ranch, actually.[/quote]
Years ago I met a nice young man.....I thought. He wanted to learn how to hunt wild turkey. He went out and bought a very expensive Italian made shotgun and a Lincoln Navigator that cost more than my first house. He bought matching camouflage, that included socks. Why you need camouflage socks is beyond me.
So on the day we were supposed to leave, he called me to ask if we could take my truck because he didn't want to scratch his Navigator up. I sensed this was not going to end well, and I was right.
You hunt turkey by calling them. I called, but my friend made more noise than a freight train. He couldn't sit still because he was scared bugs would get on him. He was without a doubt the most childish acting adult I have hunted with.
He complained, complained and complained, until I finally had enough and took him home. He actually had the nerve
to call me and ask me to teach him to deer hunt. I said thanks, but there ain't enough gold at Fort Knox that I would take you out with me again. He was incredulous. He couldn't understand why I wouldn't want to hunt with him again?
That sounds almost like one of those comedy routines. There is one by a stand-up comic, I forget who, who talks about taking his wife deer hunting. When a deer finally shows up, she says, 'Aww, he looks like Bambi's father.' Then she sees her husband aiming at him, and asks in horror, 'You aren't going to shoot him, are you? Run, deer, run!'
You are right that white Southerners are the only group of people it is OK to ridicule, with the PC crowd, I mean. The thing is, I don't care at all if they call me a redneck, or a honky, or whatever. I wish they could know how little I care. It is irksome, though, to know the assumptions behind those labels.
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Our resident Directing team has been making waves in the industry ever since Benoit Therriault and Pierre-Hugues Dallaire first joined together at SHED in 2008.
Their unique and appealing character-infused creations include high-profile spots for Coca-Cola and Sobeys' IGA supermarkets.
With a mastery of animation and character-driven storytelling across multiple mediums, PH+Ben offer an impressive variety of styles and designs, from 3D to Stop Motion puppets to 2D.
Always working in close collaboration with agency creatives, they strive to find the perfect blend of visuals and storytelling, which has led to prestigious Annecy International Animation Festival nominations for their character animation work ( 2012 - IGA Vraiment Frais, 2012 - Share The Joy and 2014 - IGA Aide-Gourmet ).
They are currently developing their first animated short film, OUTSIDE.


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HAMMOND — Southeastern Louisiana University will host a writers panel at 5 p.m. Oct. 21 as part of Fanfare, the university's fall arts festival.
The discussion, "Words to Eat By," will be in the third floor of the Student Union Ballroom. Richard Stewart, food consultant and author of "Gumbo Shop Restaurant Cookbook" and co-author of the "Joe Simmer Slow Cookin'" series of cookbooks, will moderate the discussion. Panelists include Susan Tucker, curator of books and records at Newcomb College Institute of Tulane University and author of "New Orleans Cuisine: Fourteen Signature Dishes and Their Histories;" Sara Roahen, author of "Gumbo Tales: Finding My Place at the New Orleans Table;" Ian McNulty, food writer for The New Orleans Advocate and author of "Louisiana Ramble;" and Judy Walker, author and food editor at NOLA.com/The Times-Picayune.
Light refreshments will be served. Call (985) 345-8398 or email Michael Ledet at email@example.com.


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Preheat oven to 425 degrees F.
Place the tomatoes on a baking dish and drizzle with a little extra-virgin olive oil and season with some salt and pepper and transfer to the oven. Roast until the tomatoes start to burst, about 10 minutes. Remove from the oven and let cool. Once cool, transfer to a salad bowl and slightly smash up the tomatoes with a fork, add the minced red onion and the mustard and vinegar. In a slow steady steam, pour in the extra-virgin olive oil, to taste, while mixing with a fork. Add the romaine lettuce and toss to combine.
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An REO is a property that's owned by a lender after that property was unsuccessfully offered at a foreclosure auction. For real estate investors, REO properties present a unique opportunity to buy undervalued properties to rent or flip. Which REO loan will be best for your next investment will depend on the condition of the property, your strength as a borrower, and your experience with real estate investing.
LendingHome, who sponsored this article, is hard money lender that can help REO investors nationwide. LendingHome offers interest rates starting at 7.5% and lends up to 90% LTV. Get prequalified for your next project in minutes.
What Are Your REO Loan Options?
REO properties are often financed using either a hard money loan or a conventional mortgage.
A conventional mortgage is a permanent financing option offered by traditional banks and is more common for long-term owner-occupied properties and rental investors. Hard money loans are offered by private money lenders and are more common for short-term fix-and-flip investors or those who are competing with all-cash buyers.
Hard Money Loan vs Conventional Mortgage: Cost, Terms, Qualifications
Hard money loans and conventional mortgages are broken down into 4 components:
- Loan Amount & Down Payment
- Timeline (Approval, Funding, Term)
- Interest Rates & Fees
- Qualifications & Use
Let's take a moment to discuss each component in-depth.
1. REO Loan Amount & Down Payment
Hard Money Loan vs Conventional Mortgage: Loan Amount & Down Payment
|Hard Money Loan
|Conventional Mortgage
|Maximum Loan Amount
|Up to 90% of LTV
Up to 80% of ARV
|80% - 96.5% of LTV
|Minimum Down Payment
|10%+ of LTV
20%+ of ARV
|3.5% - 20% of LTV
|More Information
|Visit LendingHome
|Visit Your Local Bank
Conventional mortgages offer REO investors a maximum loan amount between 80% – 96.5% of a property's loan-to-value (LTV) ratio. This means that traditional banks lend up to 96.5% of an REO property's purchase price. REO investors who use conventional mortgages should expect to cover a down payment between 3.5% – 20% of the property's LTV ratio. The property must be in good condition prior to lending.
Hard money loans offer REO investors a maximum loan amount up to 90% of a property's loan-to-value (LTV) ratio and up to 80% of a property's after-rehab-value (ARV) ratio. A hard money loan's LTV ratio is very similar to the structure you find with conventional mortgages. A hard money loan's ARV ratio, however, is different when compared to the loan amount of conventional mortgages.
Hard money lenders issue loans based on LTV when the REO property is in good condition and issue loans based on ARV when the REO property is in poor condition. This is because ARV represents the expected fair market value (FMV) of an REO property after it's been renovated.
REO investors using hard money loans should expect to cover at least 10% of an REO property's LTV with cash if the property's in good condition. If the property's in poor condition, REO investors should expect to cover at least 20% of a property's ARV with cash.
LendingHome is a national hard money lender that offers hard money loans for properties in both good and poor condition. LendingHome issues loans up to 90% LTV and up to 75% ARV; interest rates start as low as 7%. Visit LendingHome today:
2. REO Loans Timeline (Approval, Funding, Term)
Hard Money Loan vs Conventional Mortgage: Timeline (Approval, Funding, Term)
|Hard Money Loan
|Conventional Mortgage
|Typical Loan Term
|1 - 3 years
|15 - 30 Years
|Time to Approval
|As little as 3 minutes
|30 - 45 Days
|Time to Funding
|10 - 15 Days
|30 - 45 Days
|More Information
|Visit LendingHome
|Visit Your Local Bank
Conventional mortgages are a long-term financing option for REO investors. These conventional mortgages offer a typical loan term between 15 – 30 years and a total time to approval and funding between 30 – 45 days. Traditional banks break down the loan approval process into three steps: pre-qualification, pre-approval, and funding. The entire process, from pre-qualification to funding, takes roughly 30 – 45 days.
This is important to note because REO properties are usually offered by motivated sellers and sell fast. REO investors might have issues with a conventional mortgage's time to funding if they need to move quickly on an REO property.
Hard money loans, on the other hand, are short-term financing options for REO investors with a comparatively quick approval and a quick time to funding. This is why hard money loans are the preferred financing option for REO investors. LendingHome, for example, offers REO investors a typical hard money loan term around 12 months, an approval time as short as 3 minutes, and a time to funding between 10 – 15 days.
Hard money loans offer REO investors a fast option to compete with all-cash buyers and other investors who are able to move quickly on an REO property. However, because of the comparatively short loan term, REO investors either need to fix-and-flip a property or refinance to a conventional mortgage before the loan expires.
3. REO Loan Interest Rate & Fees
Hard Money Loan vs Conventional Mortgage: Interest Rate & Fees
|Hard Money Loan
|Conventional Mortgage
|Interest Rates
|7% - 12%
|4% - 6%
|Points (Lender Fees)
|1.5 - 10 Points
|0 - 1 Points
|More Information
|Visit LendingHome
|Visit Your Local Bank
Conventional mortgages have a low interest rate between 4% – 6% annually. This is because conventional mortgages have a longer term and mortgage payments are amortized, combining interest and principal together as a single monthly payment.
Further, conventional mortgages assess lender fees known as "points" between 0 – 1. Each point on a loan equals a 1% fee; points are taken directly out of the loan and REO investors don't have to cover it as an out-of-pocket expense.
Hard money loans have comparatively higher interest rates to compensate for the short loan term and increased risk that comes from less strict loan qualifications (discussed below). Hard money lenders such as LendingHome offer REO investors interest rates that start between 7% – 12%. Further, hard money lenders charge interest-only payments and then require the loan amount to be paid in full at the end of the term.
Hard money lenders typically charge a comparatively higher amount of points on hard money loans. Many hard money lenders charge fees as high as 10 points. LendingHome, however, offers loans that have a tiered distribution of points:
- 2.5 points: Loans between $120,000 – $249,999
- 2 points: Loans between $250,000 – $499,999
- 1.5 points: Loans $500,000+
LendingHome has a minimum floor equal to $3,000 for REO properties below $120,000. For more information on the lender's competitive fees and interest rates, visit LendingHome today:
In addition to these fees, REO investors should expect to cover any closing costs between 2% – 5% as part of the sale process. Closing costs can either come out-of-pocket or can be included in the overall loan amount for both conventional mortgages and hard money loans.
4. REO Loan Qualifications & Use
Hard Money Loan vs Conventional Mortgage: Qualifications & Use
|Hard Money Loan
|Conventional Mortgage
|Qualifications for Approval
|2 - 3 Months personal bank statements
Purchase contract
List of past projects
Contractor bid and scope of work
Answers to basic questions
Min. credit score of 550 (check your credit score here for free)
|Total monthly debt
Employment history
2 current pay stubs
Debt-to-income ratio less than 50%
Min. credit score of 640 (check your credit score here for free)
|Property Type
|Single family home + multi-unit property in most conditions
|Single family home + multi-unit property in good condition
|More Information
|Visit LendingHome
|Visit Your Local Bank
Conventional mortgages have strict qualifications for approval. Traditional banks require that borrowers submit an employment history between 3 – 5 years, their total monthly debt, and 2 current pay stubs. They also generally require borrowers to have a debt-to-income ratio less than 50% and a minimum credit score of 640 (you can check your credit score here for free).
As part of the qualifications for loan approval, conventional mortgages also require that the REO properties be in good condition. Conventional mortgages can be used to fund the purchase of a single-family home, apartment, condo, or multi-unit property. However, traditional banks only loan out between 4 – 10 conventional mortgages to a single borrower.
Hard money loans have comparatively less strict qualifications for approval. Hard money lenders first require that borrowers answer basic questions such as desired location and purchase price, submit 2 -3 months bank statements, and have a minimum credit score of 550. Lenders then require that borrowers submit a purchase contract for the REO property.
If you're taking on a rehab project, hard money lenders also require you to provide a list of past rehab projects, contractor bids, as well as the rehab scope of work. There is no limit to the number of hard money loans you can have at one time.
Where to Get REO Financing
Hard money REO loans are issued by hard money lenders while conventional mortgages are issued by traditional banks. Hard money lenders offer loans based on a property's loan-to-value (LTV) ratio or a property's after-rehab-value (ARV). Traditional banks offer loans based on a property's LTV and don't offer loans on REO properties in need of repair:
Let's take a moment to discuss where you should go to finance your REO property.
REO Financing With a Traditional Bank
Traditional banks offer conventional mortgages on REOs in good condition. Unlike hard money lenders, traditional banks don't offer loans on REO properties deemed to be in poor condition. This is why they only offer conventional mortgages on REO properties as a percentage of the property's LTV.
Conventional mortgages are used by buy-and-hold investors who want to invest in REO properties long-term. These investors are typically portfolio investors with multiple properties or long-term investors looking for rental properties. Short-term fix-and-flippers typically don't use conventional mortgages issued by traditional banks to fund the purchase of REO properties.
It's possible to obtain a conventional mortgage from any of the large traditional banks. However, banks only loan up to a total of 4 – 10 conventional mortgages to each investor. The actual mortgage limit depends on the bank, but lenders take all investor mortgages into account and not just the mortgages that the lender underwrote themselves.
Further, some lender-owners of REO properties are so motivated to sell that they offer potential borrowers conventional mortgages with advantageous interest rates. This only occurs in a slow real estate market and with a prime borrower who is less risky than the original owner. It's uncommon but it's still worth contacting the lender through your real estate agent to see what's possible.
Regardless of where you obtain the conventional mortgage, REO properties sell fast and the longer approval time and funding time can work against you. It's important to get pre-approved before you even start looking for REO properties.
REO Loans With a Hard Money Lender
Hard money lenders such as LendingHome offer hard money loans for two distinct REO scenarios. When an REO property is in good condition, hard money lenders offer a standard hard money loan based on a percentage of the property's LTV. When an REO property is in poor condition, hard money lenders offer a rehab loan based on a percentage of the property's ARV.
REO Properties in Good Condition
REO investors looking at an REO property in good condition sometimes use hard money loans to fund the purchase. These investors are usually long-term buy-and-hold investors who seek to own one or more rental properties.
However, since conventional mortgages also fund REO properties in good condition, investors who use a hard money loan typically do so because they're either a portfolio investor with more than the 4 – 10 mortgage limit, or because they don't meet the higher qualifications of a conventional mortgage. Other cases arise when long-term investors compete with all-cash buyers and need to move on an REO property fast. This is due to the fact that investors need a short approval and funding timeline to compete with all-cash offers.
When any of these are the case, investors typically use a hard money loan to make the initial purchase before refinancing to a conventional mortgage once they meet qualifications.
REO Properties in Poor Condition
REO investors looking at a property in poor condition usually work exclusively with a hard money lender since rehab loans fund the purchase and renovation of a property. This is in contrast to traditional mortgages that don't fund renovations and require houses to be in good condition prior to lending.
Rehab loans fund an REO property's purchase and renovations and are used by short-term fix-and-flippers as well as long-term buy-and-hold investors. Fix-and-flippers typically use a rehab loan to purchase an REO property in poor condition, renovate it, and sell it within 12 months. The sale is then used to pay off the hard money lender.
Buy-and-hold investors, on the other hand, use rehab loans to purchase an REO in poor condition, rehab it, and then rent it out to tenants before refinancing with a traditional mortgage. The money from the refinance is used to pay off the hard money lender.
For more information on the right hard money loan for you, contact our partners at LendingHome. They offer hard money loans up to 90% LTV for REO properties in good condition and up to 75% ARV for REO properties in need of renovations. Interest rates start at 7% and prequalification takes minutes. Find out what you're approved for today.
How to Apply for an REO Loan
Conventional mortgages and hard money loans have different loan application processes. If you're considering an REO property, it's important to understand how to apply for both a conventional mortgage as well as a hard money loan. Let's take a moment to discuss the application process for each.
Hard Money Lender
Hard money lenders break down the hard money loan application into two stages:
- Pre-qualification – Borrowers provide lenders with estimated project information and basic borrower information to get initial loan numbers.
- Closing – Borrowers provide lenders with sale contract and any contractor quotes (if necessary) to finalize the hard money loan.
1. Pre-Qualification For Hard Money Loans
Hard money lenders use the pre-qualification stage to offer borrowers back of the napkin numbers regarding their potential hard money loan. During this stage, borrowers should receive an expected ARV or LTV ratio, costs, fees, interest rates, and other terms. Prequalification is quick and non-binding and helps an investor get a "yes" or a "no" when assessing an REO property.
Generally, borrowers should expect to submit the following during this stage:
- Personal Bank Statements – 2-3 Months of Personal Bank Statements
- Personal Credit Score – 550+ (check your credit here for free)
- Basic Questions – A few questions about you and the potential property, such as:
- Desired property location
- Expected offer amount
- Borrower's name and tax ID (either a person or an entity).
With a lender like LendingHome, REO investors can get pre-qualified in as little as 3 minutes. During this stage, you'll be presented with several loan options. These options are nonbinding but they let you get a sense of your maximum budget and investment options.
Get Prequalified With LendingHome
2. Closing For Hard Money Loans
The closing process takes the estimated numbers generated from pre-qualification and finalizes them using more in-depth borrower information. During the closing stage, borrowers are approved for a loan, and the loan's ARV or LTV ratio, interest rate, costs, and other terms are set in stone. The process takes anywhere from 10 – 15 days.
Specifically, you should expect to provide the following during closing:
- Purchase Contract – A contract that outlines the purchase agreement between buyer and seller, including purchase price. The contract is non-binding and stipulates that it's contingent "upon lender approval."
- List of Past Projects – For rehab projects, hard money lenders sometimes require a list of past rehab projects. The rule of thumb is that you'll either want to have 2 – 3 projects under your belt or work with a licensed contractor.
- Contractor Bids – If you're inexperienced with rehab projects or have completed less than 2 past projects, hard money lenders allow you to work with a contractor and require contractor bids as part of the application. When this is the case, hard money lenders traditionally want the contractor's business name, license number, as well as the total bid amount.
- Scope of Rehab Work – Regardless of rehab experience, hard money lenders require a scope of rehab work if you intend to renovate an REO property. If you're experienced, you can provide this scope of work yourself along with the expected renovation budget. If you're inexperienced, your contractor can provide the lender with the scope of work along with his or her total bid.
- Appraisals – Most hard money lenders conduct their own appraisals when assessing property value. LendingHome, for example, conducts an "as-is appraisal" to determine an REO property's current fair market value (FMV) as well as an "ARV appraisal" to determine the property's expected value after repairs, if any. The appraisals are important because they determine an REO property's LTV and / or ARV.
- Fees and Upfront Costs – Borrowers should expect to see any fees and upfront costs come right out of the initial loan amount. Lenders such as LendingHome typically subtract their lender fees from the funds given to purchase an REO property.
Traditional Bank
Traditional banks typically break down their loan application process into three steps:
- Pre-qualification – Borrowers receive a pre-qualification letter with rough loan estimates.
- Pre-Approval – Borrowers supply all necessary documents to verify the information given during pre-qualification.
- Closing – Lenders assess the documents given during pre-approval, finalize the loan approval, and issue the loan.
1. Pre-Qualification for Conventional Mortgages
Borrowers receive a pre-qualification letter during this stage. Pre-qualification letters are fairly easy to obtain and give a rough estimate regarding a borrower's potential loan size.
Traditional banks base their pre-qualification letters and estimated loan size on the verbal self-reporting of a borrower's annual income, total assets, total debts, and desired down payment.
Borrowers can then use this pre-qualification letter to approach the owner of an REO property and begin to negotiate a deal. The letter gives borrowers an idea of their maximum budget, which can help them find the right REO properties for their needs.
2. Pre-Approval for Conventional Mortgages
The pre-approval stage is when traditional banks verify all the verbal numbers a borrower gave in the previous step. It's at this stage, similar to the closing stage for hard money loans, that borrowers are required to submit all required documents and the final loan numbers are calculated.
You should expect to provide the following during this stage:
- Total Monthly Debt – Borrowers are required to provide traditional banks with records of all of their outstanding debts. These debts can include such things as credit card debt, car loans, other mortgages, student loan debt, and more.
- Employment History – Traditional banks typically require that lenders provide information on their last three employers or their last 3 – 5 years of employment history.
- 2 Current Pay Stubs – Borrowers have to give conventional mortgage lenders their two most recent pay stubs to verify their income.
Traditional banks will then use your total monthly debt and your 2 current pay stubs to determine your debt-to-income ratio. Remember that most lenders require borrowers to have an annual debt-to-income ratio less than 50%. Lenders also require that borrowers have a minimum credit score of 640 and will conduct a "hard pull" on your credit report.
Once you're pre-approved, you'll receive a conditional letter of pre-approval that states the exact terms of your loan, which includes the LTV ratio, interest rate, costs, and other terms. While you can get a sense of your loan amount in the previous step, most REO sellers will want to see your pre-approval letter before negotiating on the property.
3. Closing for Conventional Mortgages
Once you have your letter of pre-approval, you are free to make an offer on an REO property. If you're able to negotiate a purchase price and close the deal, you'll then need to hire an appraiser or appraisal company to verify the fair market value (FMV) of the property. This is important because banks want to check the agreed purchase price against the property's FMV.
This appraisal process can take as long as two weeks. However, many traditional banks have their own in-house appraisers which helps speed up the process. Once the REO property is appraised, you'll be able to receive your conventional mortgage funds within 1 – 2 days and execute the purchase.
Bottom Line
REO properties can be financed by two types of loans: hard money loans and conventional mortgages. Hard money loans offer a quick financing option that's suitable for fix-and-flippers as well as buy-and-hold-investors. Conventional mortgages are suitable for long-term investors looking to invest in an REO rental property.
However, due to the short loan term and quick time to pre-qualification and closing, hard money loans are the preferred financing option for REO investors. LendingHome, for example, offers pre-qualification in as little as 3 minutes and closing in as quick as 10 – 15 days. Further, they offer interest-only payments starting at 7.5% and lender fees at or below 2.5%.


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By Valarie Frost
Contributing Writer
It was a gorgeous sunny day; the church juxtaposed the modern skyscraper that towered above an abundance of white tents, live music and people of all circumstances. The Boston Book Festival was organized for people to circulate around the stands, starting from the exit of Copley Station. The tents were set up on both sides, creating a pathway, inviting the public to explore whichever presses and small companies piqued their interests.
Near the entrance of Copley Square and the center of the block were bookstores and the event host. Some were selling products and selling well-priced books (if you had the time to shelf search). The rest of the booths were informational enterprises like small literary presses or spiritual collections, and, even Simmons was there talking about our children's literature graduate program. Graduate programs and performance art universities also took advantage of the event and had tables set up. There was even a large-scale schedule of all the talks and events happening throughout the day. Most of the other organizations there were to promote specific series or literary journals along with information on submitting pieces for publication or writing contests.
It was uncomfortable at first because I hadn't heard of many of the companies, but after I got accustomed to the atmosphere (tents offering free events, bookmarks, stickers, pens, literary catalogs and information about nearby opportunities and facilities to check out), the festival became an adventure. The people who were staffing were very friendly and helpful as well. On the stage in the epicenter of the square, Berklee students performed live while a large group danced with signs promoting positive self-esteem. And Dunkin Donuts had a booth with a prize wheel, giving out miniature coffee samples.
I wasn't sure what to expect. If it was going to be a giant book store or something akin to a book fair. Maybe that's why it was uncomfortable at first.
Publishers and committed members of these organizations alike knew what they were looking for and accommodated the masses in search of appeal. Overall it was organized, although crowded, and provided outlets to services and opportunities in Boston I wouldn't have otherwise known.


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...the mice will play!Robert and Papa have a rivalry when it comes to NASCAR driver, Jeff Gordon. They can't stand HIM! So every holiday and birthday, they give each other some great Jeff Gordon presents, like a hard hat, notepad, ornaments, stockings, and this year a switch plate. So Kendyll (!) thought it would be funny to put the switch plate up at Papa's house while he was in Florida. Here you can see her handy work, screwdriver and all! Who knew a 2 year old could be so handy??? She gets it from her daddy, who is, in her words, "a good jobber!"
Saturday, February 14, 2009
While the cats away...
Posted by Kendyll's Mom at 11:39 AM
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I've used two of the stamp sets in the Sale-a-bration brochure: Lotus Blossom and You Brighten My Day. The latter is a wood mount---I chose wood mount simply because it's so much easier than continually mounting my stamps onto an acrylic block. The Lotus Blossom set, however, is Photopolymer and is a three-step stamp. It would be so much more difficult to do the necessary lining up of each stamped layer if this were the regular rubber stamp. Don't get me wrong, I love rubber stamps but in this instance, the Photopolymer rocks. When I stamped my flower, I first stamped with the piece numbered "1" (handy, huh). I used the Calypso coral because it compliments the Crushed Cantaloupe I planned to use for the other two layers but is considerably darker. Then I used the full Crushed Cantaloupe ink colour for my #2 piece and for the #3 piece, I also used that colour but first off-stamped it once. That gave me the lightest of the three colours. The result is amazing!
The other Sale-a-bration product which I've used with this card is the gorgeous Irresistibly Yours Designer Paper which looks like Whisper White cardstock heat embossed with White Embossing Powder. That allows you to either spray the paper with your Stampin' Spritzer and choice of ink colour or, as I chose to do, sponge the ink directly onto the paper. The embossed design stands out and stays white. It's a wonderful product and I plan to get more as one of my Sale-a-bration rewards with my next order. Wait till you try it, you'll be hooked, too.
The colours I used for the card are Naturals White (base), Blackberry Bliss, Whisper White, Calypso Coral, Crushed Cantaloupe, Old Olive, and Mossy Meadow. They worked beautifully for the sketch offered by the Sketch Frenzy Friday Challenge.


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A Little Bump Fun!
It's not looking like I'll have a 40 week bump-date post as we've decided to induce this week so that my husband can be around! I'm still holding hope that she'll come on her own before the induction! Bring on the clary sage oil and squats!
Until we get to announce the exciting news, I thought I'd share one last bump post just for fun. One of my friends is SUPER talented and artistic and we've been having a blast taking some maternity photos and most of all...painting the bump! I just love how it turned out so I had to share! Thanks Jena for all the photos and painting fun!
Thanks for following along this amazing pregnancy journey with me, and thank you for all of your prayers and well wishes for this little one's delivery! We are so excited!!
previous bump-dates...
8/22/2016 09:02:28 pm
Wishing you and baby will actually be healthy! ^^ I love your photos.
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Oh Hey!
It's great to see you! I'm Alyssa and I blog about all the things I've found "essential" in my life as a fit mama and football coach's wife. You'll find all kinds of fun stuff here like workouts, oily info, football stories and more!
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Fall Bird Walk - Saturday, 9/23 @ 10:00am
|June 5, 2017
Fall Bird Walk led by John Mercer
Date: Saturday, 9/23
Time: 10:00am
Mr. Mercer will guide you through the Luchenbach Trail as he identifies birds and gives you fun facts. Binoculars, comfortable shoes and clothes would be very helpful. All ages welcome.
Children must be accompanied by an adult.
Bird Walk starts at the Locksley Road Parking lot (picnic table area) at 10am on 9/23/17
Contact Katie Grieco at 484-576-6434 for more information.


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An Obstetrician/Gynecologist focuses on the health of women before, during and after childbearing years, diagnosing and treating conditions of the reproductive system and associated disorders.
Specialty training required prior to Board Certification: Four years plus two years in clinical practice before certification is complete.
Certification in one of the following subspecialties requires additional training and assessment as specified by the board.


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I have been blogging on and off since 2011. I love to explore all different types of styles, so there will something for everyone. I always try to credit EVERYTHING in posts. Please leave a comment if I miss something! Thank you for reading!
Great fashion on a not so great budget!
Great fashion on a not so great budget!
Wednesday, August 29, 2012
You Make Me Giggle
The entire outfit (You Make Me Giggle) is a group gift at Envious. It will gone next week. The group is free to join, for now at least.
The skin (Soul Skin) is another group gift from Envious.
Eyes are a ILSIF hunt prize at Mayfly.
Hair (Cho) is a promo from A&A. The promo was suppose to end Aug 25th. However, it is still available for free...don't know for how long.
Shape (Sienna) from CS Shapes and has been previously blogged.
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ROBLOX is powered by an ever growing player base of over 300,000 creator players who generate an infinite variety of highly immersive experiences.ReplyDelete
These experiences range from 3D multi-player games and contests, to interactive adventures where friends can take on new identities exploring what it would be like to be a dinosaur, a miner working a mine or an astronaut out in space.
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text: Fight Gone Bad and BBQ Changes By PPLAdmin Posted September 13, 2011 In Uncategorized 0 0 Change on Fight Gone Bad. It will run at the usual workout time Saturday AM: 8:30, 9:30, & 10:30am. As for the party, it will now be held on on October 8, 2011 at 7:00pm. There will be no kids this time and it will also be a themed party. The theme is: Dress as your favorite Globo Gym Character (guy in dove shorts, dolled up lady, jane Fonda, etc). This party will also coincide Paul Southern's 40th birthday party. EVERYONE IS INVITED. PPLAdmin Recent PostsSaturday 8/18/18Friday 8/17/18Sticking to itThursday 8/16/18 Leave a Comment Cancel reply


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Click on a title or picture for more information.
Dual Energy Concept
In this booklet, I present that dark-energy is a non-atomic form of energy. There are at least two kinds of energy at work in the universe. The single-energy concept has run its course. It cannot adequately describe Quantum Mechanics, Relativity, or some other observations we have today without violating laws of Physics. By applying a dual-energy concept to modern science, all the problems describing these conundrums can finally be answered in consistent, logical, and physical terms.
The Stranger
-- The first book of an amazing trilogy called "
The Genesis Project Series
." It is an allegorical tale of a man (John Neumann) who constructs a virtual world, and then places in it people who are sick and dying. Jack Lokitus, a man after control of the Genesis empire, inserts a virus into the computer that sustains the virtual world, thereby infecting all within. They cannot come back to the real world unless John can fix the ethereal matrix. His attempts are met with tremendous resistance from Lokitus. Follow John's harrowing adventures as he struggles to set the people free before the virtual world explodes.
-- During the Bosnian War, a band of Serbs murdered her family, raped her and left her for dead. She starts out hellbent on revenge. Then she finds love, and her world starts to change.
The Priestly Murders
-- A serial killer is targeting the city's priests. The Mafia tries to silence the only witness. To stop them both, Detective Mike Franco must rely on that witness...a psychic 12-year-old boy
Hijacked on the Alaskan Seas
-- In this taught suspense/thriller, a rogue band of North Korean commandos steals a Russian made 800-megaton nuclear warhead. They then hijack an Alaskan cruiseliner and aim for Los Angeles. With the rest of the passengers locked up, there is only one man to stand in their way. He's not CIA. He is not Special Forces. He is just Chuck Taylor, a man out of his element who must learn to fight to save millions of lives.
American Coup
-- In this second installment of the "Chuck and Lisa Series", Chuck and Lisa must stop an attempted coup of the United States government.
Beyond Mere Belief
-- An in depth look into what the discovery of Dark Energy means to the spiritual concept. The reality of another form of energy proves a lot of things we currently take on faith, opening our eyes to mind-blowing facts.
Dual Energy Concept
Beyond Mere Belief
Genesis Project
Website Designed
Design a Website
List Your Business


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Checkout the souvenir shirt you get as a part of your 2018 registration!
Thank you runners, volunteers, sponsors and city agencies. The Town stepped it up again!
The Oakland Public Education Fund's mission is to help raise and manage resources for Oakland's public schools. This year the group will have around 450 students and adults participating in various distances in the Running Festival.
Corrigan Sports Enterprises (CSE) was established in 1991 with the goal of creating, managing and implementing sports and event marketing opportunities for the corporate community.


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The current school year isn't over yet, but Barry Comprehensive School's new Year 7 pupils didn't have to wait until September to try out their new school.
Recently, the prospective students' parents attended Transition Evening for a presentation and the chance to chat to teachers about the new academic year. Last week, the year 6 students spent the whole day at the school, attending lessons, meeting teachers and finding their way around with help from current students.
These preparations are part of the school's transition programme, which is designed to make the big move to secondary education a little easier for students and their parents. All the students enjoyed the day and were a credit to their primary schools.


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The new "Genre" meta tag is placed within the header (<HEAD> </HEAD>) tag. See below for the details.
Please Note:
the "Genre" Meta tag WILL NOT sky-rocket your band's website to #1 in the search engines. However, used in conjunction with the TITLE Meta tag, it should improve your SE position - it might not as well - I'd use it instead of the KEYWORDS Meta tag.
How to do it!!
Then Cut & Paste the meta tag code into the HEAD of your index.html page. Replace www.your-url.com with your website address.
Meta tag code
Unsigned Band Promotion are promoting the new "Genre" meta tag for bands, so bands can be found in the search engines by their specific genre (it's a bit of a long shot).
search Google [links in bold] for your genre and search MySpace Profiles [using Google] for your genre, to get an idea of where you stand and find new contacts.
List of suggested genres


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Seattle Seahawks fans may be interested to learn that a defensive lineman for the Indianapolis Colts, David Parry, was charged with DUI and auto theft on Feb. 25 after what appeared to be a wild night of partying. According to Scottsdale, Arizona, authorities, Parry was accused of stealing a golf cart and crashing it into a gate.
At about 2:30 a.m., authorities received reports that a man, later identified as Parry, had stolen a golf cart that a taxi driver was using. After dropping off two other men, Parry allegedly assaulted the driver and stole the vehicle. Shortly after, police received another report that a golf cart had crashed into a gate.
When the authorities arrived at the scene, they reportedly found Parry and the golf cart. It appeared that Parry was under the influence and he reportedly admitted that he had drunk alcohol prior to the incident. Additionally, the police said that he was "dry heaving" while they were taking him into custody. He was ultimately charged with multiple offenses, including drunk driving, auto theft, resisting arrest and criminal damage.
Drunk driving charges can have serious legal consequences, especially if the defendant has prior DUI convictions. Depending on the circumstances surrounding the alleged incident, a person could face a lengthy prison sentence, fines, lose driving privileges and have employment-related issues as well. A criminal law attorney may request a hearing to challenge the license suspension, especially if the person drives a vehicle for a living. Once this hearing is out of the way, the attorney may focus on challenging the charges. For example, the charges could be challenged if the authorities did not follow procedures when taking the person into custody.
Source: CBS Sports, "Colts defensive lineman charged with DUI, theft after allegedly stealing golf cart", John Breech, Feb. 28, 2017


text: In this article we have framed List of Indian Prime Ministers with their Duration from 1947. The Prime Minister is the word itself states the Senior Minister of the Cabinet. The Prime Minister is the Chief of Government of India, and head the Council of Minsters and leader of the Majority Party in Parliament. The […]Continue Reading


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- Description
Light-weight, textured-handled cutlery. Intended for those with fine motor limitations.
The raised rings of the soft plastic handles allow a better grip and so the cutlery is less likely to slip out of the hands. Each set includes a knife, fork and spoon. Dishwasher safe.
Also available in pink.
Does not contain Melamine or Polyamide.
Size: spoon 15cmL; knife 14cmL
- Additional Information
Additional Information
Dimensions No
- Reviews


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Learn about the top cybersecurity risks for cities, towns, and school districts.
Jeff Ziplow, Partner at BlumShapiro shares some areas that government leaders should consider when it comes to assessing cybersecurity risks and ensuring a government organization has proper cybersecurity risk management plan in place.
Learn more about how you can protect your organization from a Cybersecurity attack >>


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Ts draft with ms annotations of chapter X of 'The Bewitchment of Seville'. Pages numbered [1] to 8 use the versos of pages 17. 5, 11, 10, 19, 14, 13 and 12 of a ts draft, with occasional ms annotations in the hands of Graves and Karl Gay, of ' 'The Age of Obsequiousness'; page numbered 9 uses the verso of page 3 of a ts draft, with ms annotations in the hands of Graves and Karl Gay, of chapter 14 of 'Winter in Majorca'.
Ts draft of chapter 10 of 'The Bewitchment of Seville' [2]
Archive Unit
- For more information, email the repository
- Cite this description https://archiveshub.jisc.ac.uk/data/gb473-rg/e/rg/e/bs/17
- This material is held at
- ReferenceGB 473 RG/E/BS/17
- Dates of Creationc1956
- Physical Description9 pages


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Tymon / White Wedding Registry
Jen and Tom met four years ago on an introduction to white water kayaking lesson on the Nile river in Uganda, Africa. Both of them still love to kayak in their spare time and would love to continue to kayak together in the US. Here are some things that would help them be able to do that.
When ordering, please put "Tymon / White Wedding Registry" in the order notes to ensure that it gets to us.
Thank you for contributing to our continued kayaking journey together!
~ Jen & Tom
Jen's Registry
Werner Sherpa Paddle – 191cm Amber 0-degree offset