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Title 12: Banks and Banking
§701.21 Loans to members and lines of credit to members.
Link to an amendment published at 80 FR 66706, Oct. 29, 2015.
This amendment was delayed until Jan. 1, 2020, at 83 FR 55467, Nov. 6, 2018.
Link to an amendment published at 84 FR 51950, Oct. 1, 2019.
(a) Statement of scope and purpose. Section 701.21 complements the provisions of section 107(5) of the Federal Credit Union Act (12 U.S.C. 1757(5)) authorizing Federal credit unions to make loans to members and issue lines of credit (including credit cards) to members. Section 107(5) of the Act contains limitations on matters such as loan maturity, rate of interest, security, and prepayment penalties. Section 701.21 interprets and implements those provisions. In addition, §701.21 states the NCUA Board's intent concerning preemption of state laws, and expands the authority of Federal credit unions to enforce due-on-sale clauses in real property loans. Also, while §701.21 generally applies to Federal credit unions only, certain provisions apply to loans made by federally insured, state-chartered credit unions as specified in §741.203 of this chapter. Part 722 of this chapter sets forth requirements for appraisals for certain real estate secured loans made under §701.21 and any other applicable lending authority. Finally, it is noted that §701.21 does not apply to loans by Federal credit unions to other credit unions (although certain statutory limitations in section 107 of the Act apply), nor to loans to credit union organizations which are governed by section 107(5)(D) of the Act and part 712 of this chapter.
(b) Relation to other laws—(1) Preemption of state laws. Section 701.21 is promulgated pursuant to the NCUA Board's exclusive authority as set forth in section 107(5) of the Federal Credit Union Act (12 U.S.C 1757(5)) to regulate the rates, terms of repayment and other conditions of Federal credit union loans and lines of credit (including credit cards) to members. This exercise of the Board's authority preempts any state law purporting to limit or affect:
(i)(A) Rates of interest and amounts of finance charges, including:
(1) The frequency or the increments by which a variable interest rate may be changed;
(2) The index to which a variable interest rate may be tied;
(3) The manner or timing of notifying the borrower of a change in interest rate;
(4) The authority to increase the interest rate on an existing balance;
(B) Late charges; and
(C) Closing costs, application, origination, or other fees;
(ii) Terms of repayment, including:
(A) The maturity of loans and lines of credit;
(B) The amount, uniformity, and frequency of payments, including the accrual of unpaid interest if payments are insufficient to pay all interest due;
(C) Balloon payments; and
(D) Prepayment limits;
(iii) Conditions related to:
(A) The amount of the loan or line of credit;
(B) The purpose of the loan or line of credit;
(C) The type or amount of security and the relation of the value of the security to the amount of the loan or line of credit;
(D) Eligible borrowers; and
(E) The imposition and enforcement of liens on the shares of borrowers and accommodation parties.
(2) Matters not preempted. Except as provided by paragraph (b)(1) of this section, it is not the Board's intent to preempt state laws that do not affect rates, terms of repayment and other conditions described above concerning loans and lines of credit, for example:
(i) Insurance laws;
(ii) Laws related to transfer of and security interests in real and personal property (see, however, paragraph (g)(6) of this section concerning the use and exercise of due-on-sale clauses);
(iii) Conditions related to:
(A) Collection costs and attorneys' fees;
(B) Requirements that consumer lending documents be in "plain language;" and
(C) The circumstances in which a borrower may be declared in default and may cure default.
(3) Other Federal law. Except as provided by paragraph (b)(1) of this section, it is not the Board's intent to preempt state laws affecting aspects of credit transactions that are primarily regulated by Federal law other than the Federal Credit Union Act, for example, state laws concering credit cost disclosure requirements, credit discrimination, credit reporting practices, unfair credit practices, and debt collection practices. Applicability of state law in these instances should be determined pursuant to the preemption standards of the relevant Federal law and regulations.
(4) Examination and enforcement. Except as otherwise agreed by the NCUA Board, the Board retains exclusive examination and administrative enforcement jurisdiction over Federal credit unions. Violations of Federal or applicable state laws related to the lending activities of a Federal credit union should be referred to the appropriate NCUA regional office.
(5) Definition of State law. For purposes of paragraph (b) of this section "state law" means the constitution, laws, regulations and judicial decisions of any state, the District of Columbia, the several territories and possessions of the United States, and the Commonwealth of Puerto Rico.
(c) General rules—(1) Scope. The following general rules apply to all loans to members and, where indicated, all lines of credit (including credit cards) to members, except as otherwise provided in the remaining provisions of §701.21.
(2) Written policies. The board of directors of each Federal credit union shall establish written policies for loans and lines of credit consistent with the relevant provisions of the Act, NCUA's regulations, and other applicable laws and regulations.
(3) Credit applications and overdrafts. Consistent with policies established by the board of directors, the credit committee or loan officer shall ensure that a credit application is kept on file for each borrower supporting the decision to make a loan or establish a line of credit. A credit union may advance money to a member to cover an account deficit without having a credit application from the borrower on file if the credit union has a written overdraft policy. The policy must: set a cap on the total dollar amount of all overdrafts the credit union will honor consistent with the credit union's ability to absorb losses; establish a time limit not to exceed forty-five calendar days for a member either to deposit funds or obtain an approved loan from the credit union to cover each overdraft; limit the dollar amount of overdrafts the credit union will honor per member; and establish the fee and interest rate, if any, the credit union will charge members for honoring overdrafts.
(4) Maturity—(i) In general. The maturity of a loan to a member may not exceed 15 years. Lines of credit are not subject to a statutory or regulatory maturity limit. Amortization of line of credit balances and the type and amount of security on any line of credit shall be as determined by contract between the Federal credit union and the member/borrower. In the case of a lending action that qualifies as a "new loan" under GAAP, the new loan's maturity is calculated from the new date of origination.
(ii) Exceptions. Notwithstanding the general 15-year maturity limit on loans to members, a federal credit union may make loans with maturities:
(A) As specified in the law, regulations or program under which a loan is secured, in full or in part, by the insurance or guarantee of, or with an advance commitment to purchase the loan, in full or in part, by the Federal Government, a State government or any agency of either, as provided in paragraph (e) of this section;
(B) of up to 20 years or such longer term as is provided in paragraph (f) of this section; and
(C) of up to 40 years or such longer term as is provided in paragraph (g) of this section.
(5) Ten percent limit. No loan or line of credit advance may be made to any member if such loan or advance would cause that member to be indebted to the Federal credit union upon loans and advances made to the member in an aggregate amount exceeding 10% of the credit union's total unimpaired capital and surplus. In the case of loan participations as defined in §701.22(a) of this part and commercial loans as defined in §723.2 of this chapter, additional limitations apply as set forth in §701.22(b)(5)(iv) of this part and §723.4(c) of this chapter.
(6) Early payment. A member may repay a loan, or outstanding balance on a line of credit, prior to maturity in whole or in part on any business day without penalty.
(7) Loan interest rates—(i) General. Except when the Board establishes a higher maximum rate, federal credit unions may not extend credit to members at rates exceeding 15 percent per year on the unpaid balance inclusive of all finance charges. Federal credit unions may use variable rates of interest but only if the effective rate over the term of a loan or line of credit does not exceed the maximum permissible rate.
(ii) Temporary rates. (A) At least every 18 months, the Board will determine if federal credit unions may extend credit to members at an interest rate exceeding 15 percent. After consultation with appropriate congressional committees, the Department of Treasury, and other federal financial institution regulatory agencies, the Board may establish a rate exceeding the 15 percent per year rate, if it determines money market interest rates have risen over the preceding six-month period and prevailing interest rate levels threaten the safety and soundness of individual federal credit unions as evidenced by adverse trends in liquidity, capital, earnings, and growth.
(B) When the Board establishes a higher maximum rate, the Board will provide notice to federal credit unions of the adjusted rate by issuing a Letter to Federal Credit Unions, as well as providing information in other NCUA publications and in a statement for the press.
(C) Federal credit unions may continue to charge rates exceeding the established maximum rate only on existing loans or lines of credit made before the effective date of any lowering of the maximum rate.
(iii) Payday alternative Loans (PAL loans). (A) Notwithstanding the provisions in §701.21(c)(7)(ii), a Federal credit union may charge an interest rate of 1000 basis points above the maximum interest rate as established by the Board, provided the Federal credit union is making a closed-end loan in accordance with the following conditions:
(1) The principal of the loan is not less than $200 or more than $1000;
(2) The loan has a minimum maturity term of one month and a maximum maturity term of six months;
(3) The Federal credit union does not make more than three PAL loans in any rolling six-month period to any one borrower and makes no more than one payday alternative loan at a time to a borrower;
(4) The Federal credit union must not roll-over any PAL loan;
(A) The prohibition against roll-overs does not apply to an extension of the loan term within the maximum loan terms in paragraph (c)(7)(iii)(3) provided the Federal credit union does not charge any additional fees or extend any new credit.
(B) [Reserved]
(5) The Federal credit union fully amortizes the loan;
(6) The Federal credit union sets a minimum length of membership requirement of at least one month;
(7) The Federal credit union charges an application fee to all members applying for a new loan that reflects the actual costs associated with processing the application, but in no case may the application fee exceed $20; and
(8) The Federal credit union includes, in its written lending policies, a limit on the aggregate dollar amount of loans made under this section of a maximum of 20% of net worth and implements appropriate underwriting guidelines to minimize risk; for example, requiring a borrower to verify employment by producing at least two recent pay stubs.
(B) PAL Loan Program guidance and best practices. In developing a successful PAL loan program, a Federal credit union should consider how the program will help benefit a member's financial well-being while considering the higher degree of risk associated with this type of lending. The guidance and best practices are intended to help Federal credit unions minimize risk and develop a successful program, but are not an exhaustive checklist and do not guarantee a successful program with a low degree of risk.
(1) Program features. Several features that may increase the success of a PAL loan program and enhance member benefit include adding a savings component, financial education, reporting of members' payment of PAL loans to credit bureaus, or electronic loan transactions as part of a PAL program. In addition, although a Federal credit union cannot require members to authorize a payroll deduction, a Federal credit union should encourage or incentivize members to utilize payroll deduction.
(2) Underwriting. Federal credit unions need to develop minimum underwriting standards that account for a member's need for quickly available funds, while adhering to principles of responsible lending. Underwriting standards should address required documentation for proof of employment or income, including at least two recent paycheck stubs. FCUs should be able to use a borrower's proof of recurring income as the key criterion in developing standards for maturity lengths and loan amounts so a borrower can manage repayment of the loan. For members with established accounts, FCUs should only need to review a member's account records and proof of recurring income or employment.
(3) Risk avoidance. Federal credit unions need to consider risk avoidance strategies, including: requiring members to participate in direct deposit and conducting a thorough evaluation of the Federal credit union's resources and ability to engage in a PAL loan program.
(8)(i) Except as otherwise provided herein, no official or employee of a Federal credit union, or immediate family member of an official or employee of a Federal credit union, may receive, directly or indirectly, any commission, fee, or other compensation in connection with any loan made by the credit union.
(ii) For the purposes of this section:
Compensation includes non-monetary items, except those of nominal value.
Immediate family member means a spouse or other family member living in the same household.
Loan includes line of credit.
Official means any member of the board of directors or a volunteer committee.
Person means an individual or an organization.
Senior management employee means the credit union's chief executive officer (typically, this individual holds the title of President or Treasurer/Manager), any assistant chief executive officers (e.g., Assistant President, Vice President, or Assistant Treasurer/Manager), and the chief financial officer (Comptroller).
Volunteer official means an official of a credit union who does not receive compensation from the credit union solely for his or her service as an official.
(iii) This section does not prohibit:
(A) Payment, by a Federal credit union, of salary to employees;
(B) Payment, by a Federal credit union, of an incentive or bonus to an employee based on the credit union's overall financial performance;
(C) Payment, by a Federal credit union, of an incentive or bonus to an employee, other than a senior management employee, in connection with a loan or loans made by the credit union, provided that the board of directors of the credit union establishes written policies and internal controls in connection with such incentive or bonus and monitors compliance with such policies and controls at least annually.
(D) Receipt of compensation from a person outside a Federal credit union by a volunteer official or non-senior-management employee of the credit union, or an immediate family member of a volunteer official or employee of the credit union, for a service or activity performed outside the credit union, provided that no referral has been made by the credit union or the official, employee, or family member.
(d) Loans and lines of credit to officials—(1) Purpose. Sections 107(5)(A) (iv) and (v) of the Act require the approval of the board of directors of the Federal credit union in any case where the aggregate of loans to an official and loans on which the official serves as endorser or guarantor exceeds $20,000 plus pledged shares. This paragraph implements the requirement by establishing procedures for determining whether board of directors's approval is required. The section also prohibits preferential treatment of officials.
(2) Official. An "official" is any member of the board of directors, credit committee or supervisory committee.
(3) Initial approval. All applications for loans or lines of credit on which an official will be either a direct obligor or an endorser, cosigner or guarantor shall be initially acted upon by either the board of directors, the credit committee or a loan officer, as specified in the Federal credit union's bylaws.
(4) Board of Directors' review. The board of directors shall, in any case, review and approve or deny an application on which an official is a direct obligor, endorser, cosigner or guarantor if the following computation produces a total in excess of $20,000:
(i) Add:
(A) The amount of the current application.
(B) The outstanding balances of loans, including the used portion of an approved line of credit, extended to or endorsed, cosigned or guaranteed by the official.
(C) The total unused portion of approved lines of credit extended to or endorsed, cosigned or guaranteed by the official.
(ii) From the above total subtract:
(A) The amount of shares pledged by the official on loans or lines of credit extended to or endorsed, cosigned or guaranteed by the official.
(B) The amount of shares to be pledged by the official on the loan or line of credit applied for.
(5) Nonpreferential treatment. The rates, terms and conditions on any loan or line of credit either made to, or endorsed or guaranteed by—
(i) An official,
(ii) An immediate family member of an official, or
(iii) Any individual having a common ownership, investment or other pecuniary interest in a business enterprise with an official or with an immediate family member of an official
shall not be more favorable than the rates, terms and conditions for comparable loans or lines of credit to other credit union members. "Immediate family member" means a spouse or other family member living in the same household.
(e) Insured, guaranteed, and advance commitment loans. Notwithstanding the general 15-year maturity limit on loans to members in paragraph (c)(4) of this section, a loan secured, in full or in part, by the insurance or guarantee of, or with an advance commitment to purchase the loan, in full or in part, by the Federal Government, a State government or any agency of either, may be made for the maturity and under the terms and conditions, including rate of interest, specified in the law, regulations or program under which the insurance, guarantee or commitment is provided.
(f) 20-Year Loans. (1) Notwithstanding the general 15-year maturity limit on loans to members in paragraph (c)(4) of this section, a federal credit union may make loans with maturities of up to 20 years in the case of:
(i) A loan to finance the purchase of a mobile home if the mobile home will be used as the member-borrower's residence and the loan is secured by a first lien on the mobile home, and the mobile home meets the requirements for the home mortgage interest deduction under the Internal Revenue Code,
(ii) A second mortgage loan (or a nonpurchase money first mortgage loan in the case of a residence on which there is no existing first mortgage) if the loan is secured by a residential dwelling which is the residence of the member-borrower, and
(iii) A loan to finance the repair, alteration, or improvement of a residential dwelling which is the residence of the member-borrower.
(2) For purposes of this paragraph (f), mobile home may include a recreational vehicle, house trailer or boat.
(3) Notwithstanding the general 20-year maturity limit on second mortgage loans, a federal credit union participating in the Department of the Treasury's Making Home Affordable Program may extend the term of a modified second mortgage to match the term of a modified first mortgage, in accordance with applicable program guidelines.
(g) Long-Term Mortgage Loans—(1) Authority. Notwithstanding the general 15-year maturity limit on loans to members in paragraph (c)(4) of this section, a federal credit union may make residential real estate loans to members, including loans secured by manufactured homes permanently affixed to the land, with maturities of up to 40 years, or such longer period as may be permitted by the NCUA Board on a case-by-case basis, subject to the conditions of this paragraph (g).
(2) Statutory limits. The loan shall be made on a one to four family dwelling that is or will be the principal residence of the member-borrower and the loan shall be secured by a perfected first lien in favor of the credit union on such dwelling (or a perfected first security interest in the case of either a residential cooperative or a leasehold or ground rent estate).
(3) Loan application. The loan application shall be a completed standard Federal Housing Administration, Veterans Administration, Federal Home Loan Mortgage Corporation, Federal National Mortgage Association or Federal Home Loan Mortgage Corporation/Federal National Mortgage Association application form. In lieu of use of a standard application the Federal credit union may have a current attorney's opinion on file stating that the forms in use meet the requirements of applicable Federal, state and local laws.
(4) Security instrument and note. The security instrument and note shall be executed on the most current version of the FHA, VA, FHLMC, FNMA, or FHLMC/FNMA Uniform Instruments for the jurisdiction in which the property is located. No prepayment penalty shall be allowed, although a Federal credit union may require that any partial prepayments be made on the date monthly installments are due and be in the amount of that part of one or more monthly installments that would be applicable to principal. In lieu of use of a standard security instrument and note, the Federal credit union may have a current attorney's opinion on file stating that the security instrument and note in use meet the requirements of applicable Federal, state and local laws.
(5) First lien, territorial limits. The loan shall be secured by a perfected first lien or first security interest in favor of the credit union supported by a properly executed and recorded security instrument. No loan shall be secured by a residence located outside the United States of America, its territories and possessions, or the Commonwealth of Puerto Rico.
(6) Due-on-sale clauses. (i) Except as otherwise provided herein, the exercise of a due-on-sale clause by a Federal credit union is governed exclusively by section 341 of Pub. L. 97-320 and by any regulations issued by the Federal Home Loan Bank Board implementing section 341.
(ii) In the case of a contract involving a long-term (greater than fifteen years), fixed rate first mortgage loan which was made or assumed, including a transfer of the liened property subject to the loan, during the period beginning on the date a State adopted a constitutional provision or statute prohibiting the exercise of due-on-sale clauses, or the date on which the highest court of such state has rendered a decision (or if the highest court has not so decided, the date on which the next highest court has rendered a decision resulting in a final judgment if such decision applies statewide) prohibiting such exercise, and ending on October 15, 1982, a Federal credit union may exercise a due-on-sale clause in the case of a transfer which occurs on or after November 18, 1982, unless exercise of the due-on-sale clause would be based on any of the following:
(A) The creation of a lien or other encumbrance subordinate to the lender's security instrument which does not relate to a transfer of rights of occupancy in the property;
(B) The creation of a purchase money security interest for household appliances;
(C) A transfer by devise, descent, or operation of law on the death of a joint tenant or tenant by the entirety;
(D) The granting of a leasehold interest of 3 years or less not containing an option to purchase;
(E) A transfer to a relative resulting from the death of a borrower;
(F) A transfer where the spouse or children of the borrower become an owner of the property;
(G) A transfer resulting from a decree of a dissolution of marriage, a legal separation agreement, or from an incidental property settlement agreement, by which the spouse of the borrower becomes an owner of the property;
(H) A transfer into an inter vivos trust in which the borrower is and remains a beneficiary and which does not relate to a transfer of rights of occupancy in the property; or
(I) Any other transfer or disposition described in regulations promulgated by the Federal Home Loan Bank Board.
(7) Assumption of real estate loans by nonmembers. A Federal credit union may permit a nonmember to assume a member's mortgage loan in conjunction with the nonmember's purchase of the member's principal residence, provided that the nonmember assumes only the remaining unpaid balance of the loan, the terms of the loan remain unchanged, and there is no extension of the original maturity date specified in the loan agreement with the member. An assumption is impermissible if the original loan was made with the intent of having a nonmember assume the loan.
(h) Third-party servicing of indirect vehicle loans. (1) A federally insured credit union must not acquire any vehicle loan, or any interest in a vehicle loan, serviced by a third-party servicer if the aggregate amount of vehicle loans and interests in vehicle loans serviced by that third-party servicer and its affiliates would exceed:
(i) 50 percent of the credit union's net worth during the initial thirty months of that third-party servicing relationship; or
(ii) 100 percent of the credit union's net worth after the initial thirty months of that third-party servicing relationship.
(2) Regional directors may grant a waiver of the limits in paragraph (h)(1) of this section to permit greater limits upon written application by a credit union. In determining whether to grant or deny a waiver, a regional director will consider:
(i) The credit union's understanding of the third-party servicer's organization, business model, financial health, and the related program risks;
(ii) The credit union's due diligence in monitoring and protecting against program risks;
(iii) If contracts between the credit union and the third-party servicer grant the credit union sufficient control over the servicer's actions and provide for replacing an inadequate servicer; and
(iv) Other factors relevant to safety and soundness.
(3) A regional director will provide a written determination on a waiver request within 45 calendar days after receipt of the request; however, the 45-day period will not begin until the requesting credit union has submitted all necessary information to the regional director. If the regional director does not provide a written determination within the 45-day period the request is deemed denied. A credit union may request the regional director to reconsider a denied waiver request and/or file an appeal with the NCUA Board in accordance with the procedures set forth in subpart B to part 746 of this chapter.
(4) For purposes of paragraph (h) of this section:
(i) The term "third-party servicer" means any entity, other than a federally-insured depository institution or a wholly-owned subsidiary of a federally-insured depository institution, that receives any scheduled, periodic payments from a borrower pursuant to the terms of a loan and distributes payments of principal and interest and any other payments with respect to the amounts received from the borrower as may be required pursuant to the terms of the loan. The term also excludes any servicing entity that meets the following three requirements:
(A) Has a majority of its voting interests owned by federally-insured credit unions;
(B) Includes in its servicing agreements with credit unions a provision that the servicer will provide NCUA with complete access to its books and records and the ability to review its internal controls as deemed necessary by NCUA in carrying out NCUA's responsibilities under the Act; and
(C) Has its credit union clients provide a copy of the servicing agreement to their regional directors.
(ii) The term "its affiliates," as it relates to the third-party servicer, means any entities that:
(A) Control, are controlled by, or are under common control with, that third-party servicer; or
(B) Are under contract with that third-party servicer or other entity described in paragraph (h)(4)(ii)(A) of this section.
(iii) The term "vehicle loan" means any installment vehicle sales contract or its equivalent that is reported as an asset under generally accepted accounting principles. The term does not include:
(A) Loans made directly by a credit union to a member, or
(B) Loans in which neither the third-party servicer nor any of its affiliates are involved in the origination, underwriting, or insuring of the loan or the process by which the credit union acquires its interest in the loan.
(iv) The term "net worth" means the retained earnings balance of the credit union at quarter end as determined under generally accepted accounting principles and as further defined in §702.2(f) of this chapter.
(i) Put option purchases in managing increased interest-rate risk for real estate loans produced for sale on the secondary market—(1) Definitions. For purposes of §701.21(i):
(i) Financial options contract means an agreement to make or take delivery of a standardized financial instrument upon demand by the holder of the contract at any time prior to the expiration date specified in the agreement, under terms and conditions established either by:
(A) A contract market designated for trading such contracts by the Commodity Futures Trading Commission, or
(B) By a Federal credit union and a primary dealer in Government securities that are counterparties in an over-the-counter transaction.
(ii) FHLMC security means obligations or other securities which are or ever have been sold by the Federal Home Loan Mortgage Corporation pursuant to section 305 or 306 of the Federal Home Loan Mortgage Corporation Act (12 U.S.C. 1454 and 1455).
(iii) FNMA security means an obligation, participation, or any instrument of or issued by, or fully guaranteed as to principal and interest by, the Federal National Mortgage Association.
(iv) GNMA security means an obligation, participation, or any instrument of or issued by, or fully guaranteed as to principal and interest by, the Government National Mortgage Association.
(v) Long position means the holding of a financial options contract with the option to make or take delivery of a financial instrument.
(vi) Primary dealer in Government securities means:
(A) A member of the Association of Primary Dealers in United States Government Securities; or
(B) Any parent, subsidiary, or affiliated entity of such primary dealer where the member guarantees (to the satisfaction of the FCU's board of directors) over-the-counter sales of financial options contracts by the parent, subsidiary, or affiliated entity to a Federal credit union.
(vii) Put means a financial options contract which entitles the holder to sell, entirely at the holder's option, a specified quantity of a security at a specified price at any time until the stated expiration date of the contract.
(2) Permitted options transactions. A Federal credit union may, to manage risk of loss through a decrease in value of its commitments to originate real estate loans at specified interest rates, enter into long put positions on GNMA, FNMA, and FHLMC securities:
(i) If the real estate loans are to be sold on the secondary market within ninety (90) days of closing;
(ii) If the positions are entered into:
(A) Through a contract market designated by the Commodity Futures Trading Commission for trading such contracts, or
(B) With a primary dealer in Government securities;
(iii) If the positions are entered into pursuant to written policies and procedures which are approved by the Federal credit union's board of directors, and include, at a minimum:
(A) The Federal credit union's strategy in using financial options contracts and its analysis of how the strategy will reduce sensitivity to changes in price or interest rates in its commitments to originate real estate loans at specified interest rates;
(B) A list of brokers or other intermediaries through which positions may be entered into;
(C) Quantitative limits (e.g., position and stop loss limits) on the use of financial options contracts;
(D) Identification of the persons involved in financial options contract transactions, including a description of these persons' qualifications, duties, and limits of authority, and description of the procedures for segregating these persons' duties,
(E) A requirement for written reports for review by the Federal credit union's board of directors at its monthly meetings, or by a committee appointed by the board on a monthly basis, of:
(1) The type, amount, expiration date, correlation, cost of, and current or projected income or loss from each position closed since the last board review, each position currently open and current gains or losses from such positions, and each position planned to be entered into prior to the next board review;
(2) Compliance with limits established on the policies and procedures; and
(3) The extent to which the positions described contributed to reduction of sensitivity to changes in prices or interest rates in the Federal credit union's commitments to originate real estate loans at a specified interest rate; and
(iv) If the Federal credit union has received written permission from the appropriate NCUA Regional Director to engage in financial options contracts transactions in accordance with this §701.21(i) and its policies and procedures as written.
(3) Recordkeeping and reporting. (i) The reports described in §701.21(i)(2)(iii)(E) for each month must be submitted to the appropriate NCUA Regional Office by the end of the following month. This monthly reporting requirement may be waived by the appropriate NCUA Regional Director on a case-by-case basis for those Federal credit unions with a proven record of responsible use of permitted financial options contracts.
(ii) The records described in §701.21(i)(2)(iii)(E) must be retained for two years from the date the financial options contracts are closed.
(4) Accounting. A federal credit union must account for financial options contracts transactions in accordance with generally accepted accounting principles.
[49 FR 30685, Aug. 1, 1984]
Editorial Note: For Federal Register citations affecting §701.21, see the List of CFR Sections Affected, which appears in the Finding Aids section of the printed volume and at www.govinfo.gov.


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System Development Charges for Accessory Dwelling Units Temporarily Suspended
This is an update to confirm a resolution was passed by City Council in November 2012 that extended the waiver of System Development Charges (SDC) for new ADU's. The resolution directed all affected bureaus to extend the current temporary suspension of System Development Charges (SDC) for new ADUs or the conversion of structures to ADU units until July 13, 2016. The goal of this action is to create incentives for the development of ADUs.
The affected bureaus are Water, Parks and Recreation, Environmental Services and Transportation. Please note that the Bureau of Development Services is responsible for the development review process, but does not assess SDC fees. All other non-SDC development related fees are due at time of permit issuance. Questions about SDC's should be directed to the individual Bureaus (Water, Parks and Recreation, Environmental Services, and Transportation).
Accessory Dwelling Units (ADU) are defined by the Portland Zoning code as a second dwelling unit created on a lot with a house, attached house or manufactured home. The second unit is created auxiliary to, and is smaller than, the house, attached house (rowhouse) or manufactured house.
Proposals to build detached ADUs are reviewed through the New Single Family Review process. View the application package and process.
Permits to convert existing living space to an accessory dwelling unit are applied for in the Development Services Center (DSC), about the Minimum Submittal Requirements for an ADU:
The Bureau of Development Services has a Program Guide available that explains what constitutes an Accessory Dwelling Unit and how to permit one on your property.
Review a general summary of System Development Charge information. Please note that SDC fees are typically revised every July 1.
If you have questions or concerns, please contact Kareen Perkins, Permitting Services and Resource Records Manager, at (503) 823-3622.

subset: commoncrawl


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Source: Coffee for two
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As horror and fantasy collectors, we promised ourselves to publish books for the occultist, the tabooist, the day dreamer, and all other breeds of book lovers and collectors. We specialize in collating some of the most macabre, hair raising, and mentally stimulating anthologies and novellas. View all posts by Mind on Fire Books


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Doesn't ask doesn't get. If you see something that you don't like or you believe is wrong: say something!
When you hear the term 'high-res' thrown about with such abandon when it comes to images for web use, have you ever stopped to think just how big or how high quality and image meant for the web needs to be?
There's an assumption that high-contrast images are more dynamic, more compelling, more inviting. Have a go at some low-contrast photography. You might surprise yourself with the results.
Balance doesn't mean symmetry; it means an internal consistency and tension within your photos. And it's a vital element of composition.
Great photos might be down to a little bit of luck, but most of that 'luck' you make yourself. Don't believe us? Read on...
Photographing buildings doesn't have to mean wide-angle lenses and fretting about correcting for the keystone effect. Any lens, and angle. Don't believe us? Let us show you!


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Nutrition Facts
Percent Daily Values (DV) are based on a 2,000 calorie diet.
Servings and Times
Cups of Fruits and Vegetables Per Person: 1.0
Ingredients and Preparation
- Combine all ingredients and shake to blend.
- Pour over ice in tall glasses.
- Optional: Garnish with mint sprig, apple slice, or long peel of orange.


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There are total 8 letters in Yodeller, Starting with Y and ending with R.
Yodeller is a scrabble word? Yes (12 Points) Yodeller has worth 12 Scrabble points.
An Anagram is collection of word or phrase made out by rearranging the letters of the word. All Anagram words must be valid and actual words.
Browse more words to see how anagram are made out of given word.
In Yodeller Y is 25th, O is 15th, D is 4th, E is 5th, L is 12th, R is 18th letters in Alphabet Series.


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Decorative Hardware, Cabinet, Door, Builders, Shutter & Window Hardware, Kitchen & Bath Accessories
Old Antique Finish Standard Sized Cabinet Pulls & Drawer Handles from Cliffside Industries with decor appeal & functional style. Designed for use on cabinet doors and drawers capable of accepting a mounted pull.
The Old Antique Finish is a Matte brown oil rubbed bronze finish.
Need larger handles? View Old Antique Finish Oversized Pulls with larger than standard C/C measurements.
The Cliffside legacy began in April 1987 as the dream of its founder, Walter Zaleskie. Having been previously involved in the kitchen and bath industry for over 14 years, Walter had the dream to start his own company. He carved his niche in the area of decorative hardware.
Today, Cliffside offers an extensive line of cabinet knobs and pulls in solid brass, lead crystal, marble, corian, pewter and stainless steel. Our solid brass hinges are available in a variety of styles and finishes and are a must to complete the look of your kitchen and bath cabinets.
We've also added a line of solid brass and stainless steel appliance pulls that have been designed to match some of our most popular pulls. These are ideal for use on refrigerators and dishwashers with panel kits, as well as armoires and entertainment centers. Now you can coordinate the hardware in your entire home!
View more Decorative Hardware from Cliffside Industries.
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Your audiobook is waiting…
The Commented Bible Series, Book 44A: Acts of the Apostles
Publisher's Summary
The Commented Bible, Book 44A: Acts of the Apostles, is a series of writings on Acts in four parts. This book in the series is Part 1, and it covers the Bible book of Acts, Chapters 1-7, covering every verse with commentary, extensive cross-references, and study questions. It and will serve as a learning tool and continuing study reference throughout one's life, as well as a valuable reference for Christians who want to study deeply the true teachings of the Bible, which writings are the basis of all true faith.
This audiobook is intended for the layman, and does not require any pre-existing knowledge of the Bible to properly understand it. It is designed to be a simple and effective means for anyone who is wanting to know accurately what the Bible teaches. It includes much documentary and background information on Paul's and Luke's lives, and it makes clear all of Paul's teachings, by showing all pertinent cross-reference information from the rest of the Bible record. It was written to bring together Christians into a unity of thought, by bringing together all other pertinent scriptural information in one place for study and meditation.
This recording can be listened to as a book, used as a reference tool, or used as the medium for group studies and open discussions.


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Chocolate Gift Guide
All right. Listen Up. From here on out we're changing the name of the upcoming holidays in order to focus exclusively on chocolate gifts. From now on Christmas will be known as Chocomas. Hanukkah becomes Chocokah. Kwanzaa, Chockwanzaa. I'm not trying to be blasphemous here. I'm just trying to help all of you give your loved ones what they probably wantnamely chocolate in all its forms.
Here are twelve places to order truly extraordinary chocolate items online. Those of you celebrating Hanukkah or Kwanzaa will have to pare down these choices to eight or seven, respectively, unless you want to double up on four or five of the days.
Day 1: John & Kira's | johnandkiras.com
John and Kira are two politically correct chocolate makers who craft fabulous molded chocolates out of extraordinarily high-quality ingredientslocal whenever possible. (Unfortunately, they can't grow cocoa beans in the Philadelphia area.) I'm partial to their chocolates filled with raspberry, mint, pistachio, ginger, honey-lavender, and coffee-whiskey.
15 single-flavor pieces, $27 (excludes shipping)
Day 2: L. A. Burdick | burdickchocolate.com
When I first met Larry Burdick, he was probably making his chocolates illegally in an Upper East Side tenement building in New York City. Then he and his wife packed up everything and moved to Walpole, New Hampshire, many years ago, and now they've become chocolate moguls of the best kind. They still obsess about every piece of chocolate they sell. Try the chocolate mice in three flavors: orange, mocha, and cinnamon. Each mouse has almond ears and a silk tail. Don't try to eat the tail. (Larry also makes a killer chocolate lemon cake, a sponge cake filled with lemon butter and glazed with dark chocolate.)
9 chocolate mice, $29 (excludes shipping)
Day 3: Fran's Chocolates | franschocolates.com
Fran Bigelow popularized caramels with fleur de sel in this country, and as far as I'm concerned, hers are still my go-to caramels. I usually get the box that combines the regular gray salt caramels and the smoked salt variety.
15-piece gray-and-smoked caramel box, $22 (excludes shipping)
As good as chocolate is on its own, I want to offer you some variety while still maintaining the spirit of Chrismachocolakwanzaakkah. Here are three different kinds of ice cream from different parts of the country.
Day 4: Kopp's Frozen Custard | koppscustard.com
Everyone in Wisconsin knows that Kopp's makes really serious frozen custard, and to satisfy the frozen-custard cravings of Milwaukee expats everywhere, Kopp's ships ten-pint packs of the rich, velvety treat at a time. Let each pint defrost properly before eating it, and it will achieve the frozen-custard consistency of your dreams. Kopp's has many different chocolate flavors on any given day, including German chocolate cake, chocolate peanut-butter chocolate, and chocolate chocolate chip. Just click on the date you want them to ship your custard for the day's flavors. But act fastDecember 12 and 19 are the last two shipping dates before the holidays.
10 pints, $75 (excludes shipping)
Day 5: Capogiro Gelato Artisans | capogirogelato.com
6-chocolate sampler, $60 (excludes shipping)
Day 6: Graeter's | graeters.com
Graeter's has been making great French pot ice cream in small batches in Cincinnati way before Jerry Springer used his time as the mayor of that fair city to catapult him to talk show host infamy. The black raspberry chip is one of the great ice cream flavors of all time.
Six pints, shipping included, $50 to $70 (depending on location). 12 pints, shipping included, $80 to $110
And now let's warm up a bit before opening a few more packages ...
Day 7: MarieBelle New York | mariebelle.com
Maribel Lieberman fell in love with the hot chocolate at the legendary Café Angelina in Paris, and she set out to replicate it at her store in New York City. She has succeeded beautifully. Her Aztec Dark flavor is a heady, chocolaty brew with a very smooth finish. Maribel taught me that her hot chocolate tastes better made with water instead of milk. Nobody believes me, but it's true.
20-ounce tin Aztec Dark hot chocolate, $22 (excludes shipping)
Day 8: Recchiuti Confections | recchiuti.com
Michael Recchiuti is a terrific San Francisobased chocolate maker. I love his Key lime pears, his just-sweet-enough fudgy brownies, and his pièce de résistance, his burnt-caramel almondswhole organic almonds in dark chocolate with just a little burnt caramel dusted in cocoa.
40 pieces of burnt-caramel almonds, $8 (excludes shipping)
Day 9: The King's Cupboard | kingscupboard.com
The good folks of the King's Cupboard in Red Lodge, Montana, make chocolate sauces so good they don't even need ice cream. I eat them straight from the jar. I can never decide between the bittersweet- or the espresso-chocolate flavors. Just get them both. And for good measure, get a box of the coffee molten chocolate cake mix. You'll never be able to make a Duncan Hines cake ever again.
10-ounce jars of sauce, $7.95 each (excludes shipping)
Day 10: Boule | boulela.com
Los Angelesbased pastry chef Michelle Myers (she and her husband, David Myers, own the fine restaurant Sona) makes lots of great things at her shop, but I'm always drawn to her crunchy rochers (dark chocolate with lemon chiffon, marshmallow, and crispy rice) and her treacle pecan toffee, which is some of the best butter crunch you will ever taste.
Box of 7 rochers, $10; box of treacle pecan toffee, $8 (excludes shipping)
Day 11: Maison du Chocolat | lamaisonduchocolat.com
Robert Linxe is one of the truly legendary French chocolate makers, and his truffles are irresistibly delicious works of art.
Small box of truffles (0.42 pounds), $35 (excludes shipping)
Day 12: Zingerman's Bakehouse | zingermansbakehouse.com
The Zingerman's Bakehouse makes a chocolate cherry bread that can be used as the base of the best French toast you've ever had in your life.
1.25-pound loaf chocolate cherry bread, $12.50 (excludes shipping)
All products linked here have been independently selected by our editors. We may earn a commission on purchases, as described in our affiliate policy.


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Android Pattern-Lock Security Outsmarts FBI Security Team
As a collection agency for highly sensitive data, Google receives thousands of subpoenas each year from law enforcement. But one particular search warrant caught the eye of renowned hacker Christopher Soghoian yesterday. While investigating an alleged pimp in California, the FBI subpoenad Google to unlock a Pattern-locked Android device, after its forensics team were unable to crack it themselves.
According to the affidavit, dated March 12, the suspect Dante Dears is being investigated for his role as the head of human trafficking gang, Pimpin' Hoes Daily (PhD). Dears apparently used his smartphone to arrange all the meetups between his prostitutes and his clients.
The phone was seized in January during his arrest, but lucky for him, he was smart enough to use a pattern-passlock, and the FBI can't crack it.
"The need for this search warrant arose once the information contained on the memory of the cellular telephone seized from Dears was not able to be obtained, despite multiple attempts by RCFL [Regional Computer Forensics Laboratory] technicians," the affidavit reads.
As the FBI notes, repeated incorrect attempts to crack the password will cause a complete lock-out.
Google declined to comment on this specific case, merely stating, "Like all law-abiding companies, we comply with valid legal process. Whenever we receive a request we make sure it meets both the letter and spirit of the law before complying. If we believe a request is overly broad, we will seek to narrow it."
In Four Must-Have Android Settings we note that a lock screen will already prevent a lot of amateur exploits, but perhaps Android's Pattern-unlock (versus the Face, PIN, or Password locks) is your safest bet. If it can outsmart the FBI, it'll probably outsmart your average thief.
And if Dears used a mobile security app like Lookout for Android, F-Secure Mobile Security, or McAfee Mobile Security, he could even remotely wipe his smartphone!
For more from Sara, follow her on Twitter @sarapyin.


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Beijing's 'nail house' blocks 6 lanes of traffic
BEIJING — Zhang Changfu's street address could almost be: the middle of the road.
In this city of perhaps more than 17 million people where buildings seem to shoot up overnight, Zhang lives in what locals call a "nail house," one that continues sticking out even after the surrounding area has been developed.
Zhang's house juts into at least six lanes of road in a northeast section of Beijing, cutting traffic to a two-lane bottleneck and often causing jams of honking cars. Sitting at the bottom of a canyon of high-rise buildings, the ramshackle collection of rooms that Zhang and his brother own on Shuguang West Road recalls the Disney animated film "Up" — in which a curmudgeonly old man's house is surrounded by skyscrapers — but with Chinese characteristics.
Cinder blocks and wood planks anchor plastic tarps on the roof. Inside, the floors are bare concrete and the walls are covered with plastic sheeting and, in places, newspaper.
Next door, fancy apartments at 970 square feet are selling for about $400,000.
The house is a reminder that Beijing is growing rapidly amid an economic boom and massive migration from the countryside to urban centers. The growth has pushed ever outward, chomping up poorer neighborhoods and replacing them with more expensive properties. It's hard to overstate the rate of change; even recent arrivals point to shopping malls where neighborhoods stood just a few years ago.
When Zhang moved into his house 24 years ago it was in a village. He worked on the local collective farm and quietly supported his family.
"The difference between then and now is as big as the difference between heaven and earth," said Zhang, 53, a small man wearing a white T-shirt and blue shorts. "This was all farmland — corn, vegetables — now it's buildings, skyscrapers."
After his village signed a contract with a developer, Zhang received an assessment in 2003 that said his part of the property — a series of small buildings arranged in a walled courtyard — should fetch 840,000 yuan, currently about $124,000. While his brother declined to comment, Chinese media said that at the time he was offered a little more than half that sum for his share.
The Zhangs refused to move.
Other villagers sold their places and, one by one, moved away until Zhang and his brother were the only landlords left.
In this fast-growing city, holdouts aren't usually tolerated for long and "nail houses" are soon crushed. The Zhang family, though, was allowed to stay, possibly because the government had larger projects elsewhere. Buildings started to go up, and a road, eight lanes of traffic on one side and six on the other, was curved awkwardly around the courtyard walls.
Local officials declined requests for comment. One state media report blamed the lack of resolution on Zhang pressing for more money. At the prices now being paid for real estate in the area, the Zhangs' property could be worth well over $1 million. Another report cited legal complications because Zhang's brother had sold a small portion of the lot to a rural resident who legally couldn't buy urban land.
Zhang Hongming, the Communist Party secretary for the local government, told state TV late last month that Zhang Changfu's action "has jeopardized the interest of the public. We have to demolish his house eventually."
Whatever the explanation, locals are not amused.
"There is always a traffic jam over there," said Li Hui, a saleswoman at a nearby store that sells home and office safes. "Of course, it's strange that there's this house standing in the middle of the road."
From her shop, Li can see Zhang Changfu when he rides by on his bicycle. With no indoor bathroom, Zhang has to pedal about 10 minutes, past all the gleaming development, to the nearest public facilities.
"I feel very sorry that our presence here has caused so much inconvenience to people around us," said Zhang, who with the farmland gone now receives a little under $100 a month from the government. "But there's nothing I can do."
Cheated on seeds and denied justice, a Chinese farmer takes his own life
Expo 2010 Shanghai: A 'Better Life,' but not for dissidents
Rising Chinese businessman killed on party official's orders
Penn State University students' reporting trip to China
Follow China developments at McClatchy's China Rises blog


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Listening for success
A great deal of printed and digital advice is available for anyone seeking advice on how to attain success, financial or otherwise. I remember having acquired, somewhere along the line, a book titled Dress for Success, by Robert T. Molloy. From looking around me it appeared that more people (including me) bought the book than bought the advice. For me, it is far more important to listen to what people are saying, than to focus on what they are wearing.
Another "success" book is Dale Carnegie's How to Win Friends and Influence People. It has been quite a durable title across generations of readers, apparently. In my college days the book was held in contempt as advising how to hypocritically manipulate people. In my son's generation, I think it was taken as sound advice on how to get one's head out of a computer and relate meaningfully to people, which includes listening.
Many years ago I got one of my best lessons about listening for success in business from the late, lamented Peter Zacher, who many of you knew. He was making an advertising-sales call to a Midwest-headquartered auxiliary-equipment manufacturer on behalf of the former Plastics Machinery & Equipment magazine, and I was along as an editor to make a courtesy call and see whether I could extract some information for a press release.
I got more than I had in mind, I'll tell you that. As soon as Peter and I showed up, the auxiliary-equipment company president set off on a tirade about the current state of affairs in politics, how bad things were, whose fault it was, and on and on. I was dumbfounded. Peter did not seem surprised. I think maybe he had heard this rant before.
So what did Peter do about that situation? It didn't take me long to find out. He just listened, for as long as it took. After 10-15 minutes of this jeremiad, the customer wound down. Peter had listened and when the customer got his gripes off his chest he felt better. It was then that Peter stepped up and presented what he had in mind for the next year's advertising program. Peter sold him a 6X, full-tabloid page, full-color ad schedule at a cost of some tens of thousands of dollars and the customer was happy about it. I truly believe that was because Peter had the good sense to just listen.
By the way, I had no idea what Peter's personal politics were. I still don't, and now he's gone. I never asked, and he never told me. It didn't matter. While doing business, he just listened.
Our society doesn't value listening very highly. I see recommendations everywhere on what to tell people, and very little about listening to people. There are now available some books on the art or science of listening, but it's not something that can be learned very well out of a book. Meanwhile, other real-life examples have also driven my own interest in listening.
In working some years ago as a volunteer with a local college campus committee dedicated to student wellbeing, I met a retired widow, a member of the committee, who had a gift for listening. Aside from committee meetings, she came to the campus once or twice a month, set up a card table and a sign that said "Listening Post," and was available for 2 hours, but at a limit of 15 minutes per person. She was besieged. It's hard to imagine how much people just need to be listened to. She had no counseling or related credentials, and did not purport to have any. But she could and did listen.
A lot of my listening is done in coffee shops. I do writing and editing work there, or anywhere else that I have my laptop computer. But I also interact with the other denizens of the coffee shop, and a fair share of the time I just listen. Sometimes I mention to my wife later, in confidence, something that someone has shared with me regarding their family, employer, or health status. One reaction has been, "Why do people tell you this stuff?" I have two answers. The first is, I just don't know. The second is, people need to be listened to.
Our previous OpEd piece in this slot was on the subject of collaboration. The beginning of collaboration is listening. There is no way to collaborate in getting the right equipment installed or the right component produced until we listen to what the customer wants and needs. Not that we need "focus" groups, but we need to give some credence to somebody else's agenda, and not just be bent on dispensing our own. May we all seek to improve our listening skills in the New Year.
Merle R. Snyder
--January 2012
The Plastics Technology Drying, Conveying and Extrsion Knowledge Centers are sponsored by Novatec, whose personnel check each section for technical accuracy. This article is not a statement of Novatec policy.


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Fund: Crosslink Capital
Posted by 6thtimeatbat on 2012-09-11
Was contact by one of their junior people about our stealth company.
Pitch with the junior person went quickly and we were set up for a meeting with Jim Feuille a few days later.
During the pitch, Feuille had his eyes closed most of the time, leading me to wonder if he was awake or taking it in. We were thanked and, without any question, told we'd get feedback soon.
A few days later, we inquired and were told we were passed on.
Ultimately, it felt like it was more of a fishing expedition than anything else.PRIVATE: Members Only (422 Characters)


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At 7:00pm on Friday, November 11th, the UCSB Men's Basketball team takes on Chapman University.
Josh Fiacco and Joe Shellworth will have the call from the Thunderdome for this broadcast of UCSB Men's Basketball. Pregame show starts at 6:45 pm, and the link below will become active 15 minutes before the start of the broadcast.
If you encounter any problems feel free to email email@example.com.
Don't forget to like us on facebook and follow us on twitter!
Click Here for the webcast starting at 6:45 pm!


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Protecting Families For Over 25 Years
Protecting Families For Over 25 Years
At Seattle DOG GUARD® we understand that your dog is more than a pet… he's family.
Seattle Dog Guard is the Seattle area's exclusive representative of the Dog Guard® brand of electronic pet fencing. Dog Guard is a family owned company that has been containing pets for over 23 years. Based out of Troy, New York, Dog Guard is made in the USA, and focused on serving our customers. Whether it's our 30-day money back guarantee or the Lifetime Warranty we deliver a safe contained pet.
Seattle Dog Guard knows just how important it is that your dog leads a safe and happy life. Dog Guard "Out of Sight Fencing" allows your dog the freedom he deserves and provides you with peace of mind. Dog Guard Out-of-Sight Electronic Dog Fencing is a safe, affordable alternative to conventional fencing. Dog Guard Out-of-Sight Electronic Dog Fencing is veterinarian-approved combination of animal training and state-of-the art electronics. Dog Guard Out-of-Sight Electronic Dog Fencing is a unique 2 zone T-4 transmitter allows a wide variety of corrections to be set for your pet at the transmitter depending on your dog and it's temperament.
Dog Guard Out-of-Sight Electronic Dog Fencing offers a "Trade-Up" Program: Trade Up Special Offers
Check out the Testimonials page for great reviews! Dog Guard Out-of-Sight Electronic Dog Fencing is on Yelp and offers the most satisfied customer reviews on the web. Please share our information with your friends & family, and on social sites like Facebook. The Dog Guard testimonials will give you the confidence you need to invite us over to meet your dog and discuss your indoor and outdoor electronic pet fence needs.
And as always we try to add useful links to trusted places for your pet as we find them. Useful Linksare just a way for us to be connected with some of the other services in the City of Seattle that may be useful for you to be aware of as a loving dog owner or aspiring dog owner!
email: email@example.com
phone: (206) 452-0581
Meet Dog Guard at Seattle Home Show 2 and Doggiestock.
Dog Guard of Seattle is a proud distributor of Dog Guard Electric Dog Fenceproducts. Proudly made in the USA.


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Summarized below are estimates of the relative valuations of some public companies that have significant hosting operations. Please be aware that a number of these companies have other businesses that may also affect their valuations. (All data was taken from publicly available financial information and please see this post for how we calculate Enterprise Value.) If you wish to get a sense for changes to valuations over time, here is a link to some of our past valuation summaries.
* - The financial data for most of the above companies is based on their press releases and is as of 12/31/2014. We will update the valuations when the companies make their SEC filings and more of the European hosters have released results.
As always, please feel free to contact us if you have any comments, or questions.
Cheval Capital, Inc.
Disclaimer: This post is for general information purposes and is not meant to be taken as financial advice, a recommendation to buy or sell the stocks mentioned above, a comprehensive discussion of valuation or how to do the calculations discussed. Please be sure to consult your financial advisors when valuing your company, considering the sale of your business or making other financial decisions.
Author: Hillary Stiff is Managing Director of Cheval Capital. She has been an investment banker and CFO, completing M&A transactions and arranging financing for a number of companies including NTT/Verio, The Endurance International Group and Web.Com among many others. She has helped complete over 270 successful web hosting, ISP and related transactions and distributes a list of hosting and related companies that are


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Recent News
June 03, 2013
International Desserts Recalls Walnuts in Uncle Eddies Vegan Oatmeal Chocolate Cookies
The Missouri Department of Health and Senior Services received information regarding a recall of Uncle Eddies Vegan Oatmeal Chocolate Cookies in 12 oz bags, because it may contain undeclared walnuts. People who have an allergy or severe sensitivity to treenuts {chestnuts, brazil nuts, walnuts, hazelnuts, pecans, pine nuts, cashews}, run the risk of serious or life-threatening allergic reaction if they consume these products.
Uncle Eddies Vegan Oatmeal Chocolate Cookies was distributed nationwide to retail grocers. The Vegan Oatmeal Chocolate Chip cookies are in a 12 oz brown paper bag and can be identified by the following lot numbers #110813, and #58513.
The full recall can be found at www.fda.gov/Safety/Recalls/ucm354877.htm?source=govdelivery.


text: Saturn Run, John Sandford's new novel, is quite a departure for the bestselling thriller writer, who sets aside his Lucas Davenport crime franchise (Gathering Prey, 2015, etc.) and partners with photographer and sci-fi buff Ctein to leave Earth's gravitational field for the rings of Saturn. The year is 2066. A Caltech intern inadvertently notices an anomaly from a space telescope—something is approaching Saturn, and decelerating. Space objects don't decelerate; spaceships do. A flurry of top-level government meetings produces the inescapable conclusion: whatever built that ship is at least 100 years ahead in hard and soft technology, and whoever can get their hands on it exclusively and bring it back will have an advantage so large, no other nation can compete. A conclusion the Chinese definitely agree with when they find out. The race is on. "James Bond meets Tom Swift, with the last word reserved not for extraterrestrial encounters but for international piracy, state secrets, and a spot of satisfyingly underhanded political pressure," our reviewer writes. View video >


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A Bachelor of Science degree in Business with a major in Management is a four-year course of study.
Enrollment in upper division business courses and the Bachelor of Science degree program is restricted to students who have been formally accepted into the baccalaureate program. To be accepted into the baccalaureate program, students must have a 2.0 cumulative GPA or better and have completed a minimum of 60 hours to include BUS 200, BUS 201, BUS 210, BUS 211, ENG 101, ENG 102, MTH 140 and STA 250.
The course of study for students who are formally accepted into the baccalaureate program will be predicated on the program of study as outlined in the university catalog and/or catalogue addendum that is in effect at the time of their acceptance.
For more information, e-mail TU Admissions or call 229-227-6925.
Business Application Activities
- Professional Management Association
- Internships
- Guest Lectures
- Business Visits
- Project Courses
- Study Abroad
Professional Management Association
The objectives of Professional Management Association at Thomas University include uniting those interested, or engaged in the discipline of management, and promoting the understanding of social, psychological, and economic implications of scientific principles of modern management. Our goal is to accomplish this through the use of speakers, faculty as well as community business professionals, discussions, and publications. Our mission is to help provide Thomas University Students some of the resources needed to network in the business community, as well as management skills to help them develop as business professionals.


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A much more thoughtful and enjoyable serio-comedic effort by Wes Anderson and Roman Coppola, after the 2007 effort, Rich Stooges, er I mean, The Darjeeling Limited. Bill Murray and Jason Schwartzman show up again, plus Frances McDormand, Bruce Willis, Ed Norton, and two young newcomers as the stars, a pair of 12 year old "lovers." It's often hard to know whether to smile, avert one's gaze or tear up, but the emotional pitch is generally not very intense.
Tags: The longing of youth, escapism, coming of age, but not coming of age, adventure, cynicism, naivete, comedy.


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Vintage Biergarten Table
- Only at Williams Sonoma
- Exclusive
Easy, hassle-free returns online and in-store for eligible items.Learn More
Earn 2x Rewards4 That's 10% back in rewards when you use your Williams Sonoma Credit Card at Williams Sonoma 11/6 - 11/13.Apply Now Learn More
- Summary
We found the perfect work table or gathering spot for a family meal at a traditional German biergarten. As with all vintage pieces, the pine-and-metal table bears the natural signs of wear that come with use. Built to last, the table and benches fold for easy storage.
- Includes table and two benches; seats 6 to 8 comfortably.
- A genuine artifact, naturally distressed—no two are alike.
- Pine top is painted a colorful red; metal legs are grey.
- Legs fold flat for easy storage or transporting.
- Sizes will vary slightly.
- Table: 76"–80" x 18"–20" x 30" high.
- Benches: 76"–80" x 9"–10" x 18" high.
- 83 lb.
- Fully assembled.
- Quantities are limited.
- Made in Germany.
- A Williams Sonoma exclusive.
- Use & Care
- Clean with a soft, damp cloth; avoid harsh cleaners or abrasives.
- Shipping
Shipping Information
This item will be shipped directly from the manufacturer and is not eligible for rush shipping. Please allow one to two weeks for delivery.
Shipping Rates
The shipping rate varies depending on your order total and shipping destination. View Shipping Options and Charges.
Return Policy
At Williams Sonoma, we take great pride in the quality and craftsmanship of our products. Attention to design, materials, safety and construction are our priority. Upon receipt, please inspect your purchase and notify us of any damage; we will arrange for a prompt replacement.
If within 30 days, you are dissatisfied for any reason, you may return your purchase for a refund of the merchandise value. An original receipt or gift receipt is required for all returns and exchanges. Returns with a gift receipt will be refunded in the form of a Merchandise Credit for the amount indicated on the gift receipt. Returns with original receipt will be refunded in the original form of payment, cash and check refunds over $100 will be issued as a company check (may take 14 business days from time of request).
For all cutlery returns (knife sets, single knives, cutting boards, knife sharpeners, and knife storage) please contact us at 888.922.4108 to initiate the return.
We cannot accept returns on monogrammed, personalized, special-order items, custom upholstery, food, items shipped direct from the vendor, or on items damaged through normal wear and tear. Final sale items ending in .97 or .99 cannot be returned.
For returns of items purchased from your Williams Sonoma Gift Registry, we will gladly provide a refund or exchange for the merchandise within 90 days of your event or within 90 days of purchase, whichever date is later. View Full Returns Policy.
Rated 1 out of 5 by europe from Poor Quality You can tell this was clearly painted over. Peeling badly - would not recommend.Date published: 2017-02-03Rated 3 out of 5 by jlmiddy from great table but paint issues This is a great table for the backyard. It's easy to move around and can be dressed up or down for elegant or simple dinners alfresco. My only gripe is they put a fresh coat of latex paint on it over the previously varnished wood. The latex paint won't stick to the varnish and when I opened the box the paint was already peeling. I thought about returning it but I'm too lazy. Eventually I'll have to strip the paint and start over. I believe it's worth it though and hope to have the table for a long time.Date published: 2015-11-20Rated 5 out of 5 by Maggiemay2 from Just the right thing! For a narrow space this is just the right thing--easy to set up, and ready out of the box. I have sat at these tables many times in Germany, and was so pleased that Williams-Sonoma has made them available in the USA!Date published: 2015-07-27Rated 5 out of 5 by LaBellaFigura from Love this Red Biergarten Table! Williams-Sonoma's picture is what initially pushed me to purchase this table. I wanted something different than everything my friends had. I was seeing the same old thing on every retailer website. But after seeing this picture and after looking into the history of these tables in Germany, I was 100% excited to purchase this table with the benches. It is SO easy to set up. I love the color. In the off season, it will be easy to pack up and store flat. When friends come over, it is a piece we always gather around and I always get tons of compliments. Best purchase I have made in a long time! I 100% recommend getting this product.Date published: 2015-06-18Rated 5 out of 5 by NativeNYC from Great set up, great price I needed a table and seating for outdoors that fold as I have basically only some room on the side of a garage for storage. This is a great set up: the sturdy table and benches fold up quickly onto themselves and when open, can seat eight comfortably. The table is narrow but not too much so and all my guests have admired and asked where I got it. Nicely weathered look takes away any concern about leaving it outdoors in the summer. The green of my table does not match the green of the benches but by the time I noticed that,it was months later. For the price, it can't be beat (I have seen these all over NYC and wonder how many biergartens are replenishing their stock).Date published: 2013-07-31


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Sec. 1866E. [42 U.S.C. 1395cc-5] (a) Establishment.—
(1) In general.—The Secretary shall conduct a demonstration program (in this section referred to as the "demonstration program") to test a payment incentive and service delivery model that utilizes physician and nurse practitioner directed home-based primary care teams designed to reduce expenditures and improve health outcomes in the provision of items and services under this title to applicable beneficiaries (as defined in subsection (d)).
(2) Requirement.—The demonstration program shall test whether a model described in paragraph (1), which is accountable for providing comprehensive, coordinated, continuous, and accessible care to high-need populations at home and coordinating health care across all treatment settings, results in—
(A) reducing preventable hospitalizations;
(B) preventing hospital readmissions;
(C) reducing emergency room visits;
(D) improving health outcomes commensurate with the beneficiaries' stage of chronic illness;
(E) improving the efficiency of care, such as by reducing duplicative diagnostic and laboratory tests;
(F) reducing the cost of health care services covered under this title; and
(G) achieving beneficiary and family caregiver satisfaction.
(b) Independence at Home Medical Practice.—
(1) Independence at home medical practice defined.—In this section:
(A) In general.—The term "independence at home medical practice" means a legal entity that—
(i) is comprised of an individual physician or nurse practitioner or group of physicians and nurse practitioners that provides care as part of a team that includes physicians, nurses, physician assistants, pharmacists, and other health and social services staff as appropriate who have experience providing home-based primary care to applicable beneficiaries, make in-home visits, and are available 24 hours per day, 7 days per week to carry out plans of care that are tailored to the individual beneficiary's chronic conditions and designed to achieve the results in subsection (a);
(ii) is organized at least in part for the purpose of providing physicians' services;
(iii) has documented experience in providing home-based primary care services to high-cost chronically ill beneficiaries, as determined appropriate by the Secretary;
(iv) furnishes services to at least 200 applicable beneficiaries (as defined in subsection (d)) during each year of the demonstration program;
(v) has entered into an agreement with the Secretary;
(vi) uses electronic health information systems, remote monitoring, and mobile diagnostic technology; and
(vii) meets such other criteria as the Secretary determines to be appropriate to participate in the demonstration program.
The entity shall report on quality measures (in such form, manner, and frequency as specified by the Secretary, which may be for the group, for providers of services and suppliers, or both) and report to the Secretary (in a form, manner, and frequency as specified by the Secretary) such data as the Secretary determines appropriate to monitor and evaluate the demonstration program.
(B) Physician.—The term "physician" includes, except as the Secretary may otherwise provide, any individual who furnishes services for which payment may be made as physicians' services and has the medical training or experience to fulfill the physician's role described in subparagraph (A)(i).
(2) Participation of nurse practitioners and physician assistants.—Nothing in this section shall be construed to prevent a nurse practitioner or physician assistant from participating in, or leading, a home-based primary care team as part of an independence at home medical practice if—
(A) all the requirements of this section are met;
(B) the nurse practitioner or physician assistant, as the case may be, is acting consistent with State law; and
(C) the nurse practitioner or physician assistant has the medical training or experience to fulfill the nurse practitioner or physician assistant role described in paragraph (1)(A)(i).
(3) Inclusion of providers and practitioners.—Nothing in this subsection shall be construed as preventing an independence at home medical practice from including a provider of services or a participating practitioner described in section 1842(b)(18)(C) that is affiliated with the practice under an arrangement structured so that such provider of services or practitioner participates in the demonstration program and shares in any savings under the demonstration program.
(4) Quality and performance standards.—The Secretary shall develop quality performance standards for independence at home medical practices participating in the demonstration program.
(c) Payment Methodology.—
(1) Establishment of target spending level.—The Secretary shall establish an estimated annual spending target, for the amount the Secretary estimates would have been spent in the absence of the demonstration, for items and services covered under parts A and B furnished to applicable beneficiaries for each qualifying independence at home medical practice under this section. Such spending targets shall be determined on a per capita basis. Such spending targets shall include a risk corridor that takes into account normal variation in expenditures for items and services covered under parts A and B furnished to such beneficiaries with the size of the corridor being related to the number of applicable beneficiaries furnished services by each independence at home medical practice. The spending targets may also be adjusted for other factors as the Secretary determines appropriate.
(2) Incentive payments.—Subject to performance on quality measures, a qualifying independence at home medical practice is eligible to receive an incentive payment under this section if actual expenditures for a year for the applicable beneficiaries it enrolls are less than the estimated spending target established under paragraph (1) for such year. An incentive payment for such year shall be equal to a portion (as determined by the Secretary) of the amount by which actual expenditures (including incentive payments under this paragraph) for applicable beneficiaries under parts A and B for such year are estimated to be less than 5 percent less than the estimated spending target for such year, as determined under paragraph (1).
(d) Applicable Beneficiaries.—
(1) Definition.—In this section, the term "applicable beneficiary" means, with respect to a qualifying independence at home medical practice, an individual who the practice has determined—
(A) is entitled to benefits under part A and enrolled for benefits under part B;
(B) is not enrolled in a Medicare Advantage plan under part C or a PACE program under section 1894;
(C) has 2 or more chronic illnesses, such as congestive heart failure, diabetes, other dementias designated by the Secretary, chronic obstructive pulmonary disease, ischemic heart disease, stroke, Alzheimer's Disease and neurodegenerative diseases, and other diseases and conditions designated by the Secretary which result in high costs under this title;
(D) within the past 12 months has had a nonelective hospital admission;
(E) within the past 12 months has received acute or subacute rehabilitation services;
(F) has 2 or more functional dependencies requiring the assistance of another person (such as bathing, dressing, toileting, walking, or feeding); and
(G) meets such other criteria as the Secretary determines appropriate.
(2) Patient election to participate.—The Secretary shall determine an appropriate method of ensuring that applicable beneficiaries have agreed to enroll in an independence at home medical practice under the demonstration program. Enrollment in the demonstration program shall be voluntary.
(3) Beneficiary access to services.—Nothing in this section shall be construed as encouraging physicians or nurse practitioners to limit applicable beneficiary access to services covered under this title and applicable beneficiaries shall not be required to relinquish access to any benefit under this title as a condition of receiving services from an independence at home medical practice.
(e) Implementation.—
(1) Starting date.—The demonstration program shall begin no later than January 1, 2012. An agreement with an independence at home medical practice under the demonstration program may cover not more than a 5-year period[486].
(2) No physician duplication in demonstration participation.—The Secretary shall not pay an independence at home medical practice under this section that participates in section 1899.
(3) No beneficiary duplication in demonstration participation.—The Secretary shall ensure that no applicable beneficiary enrolled in an independence at home medical practice under this section is participating in the programs under section 1899.
(4) Preference.—In approving an independence at home medical practice, the Secretary shall give preference to practices that are—
(A) located in high-cost areas of the country;
(B) have experience in furnishing health care services to applicable beneficiaries in the home; and
(C) use electronic medical records, health information technology, and individualized plans of care.
(5) Limitation on number of practices.—In selecting qualified independence at home medical practices to participate under the demonstration program, the Secretary shall limit the number of such practices so that the number of applicable beneficiaries that may participate in the demonstration program does not exceed 10,000.
(6) Waiver.—The Secretary may waive such provisions of this title and title XI as the Secretary determines necessary in order to implement the demonstration program.
(7) Administration.—Chapter 35 of title 44, United States Code, shall not apply to this section.
(f) Evaluation and Monitoring.—
(1) In general.—The Secretary shall evaluate each independence at home medical practice under the demonstration program to assess whether the practice achieved the results described in subsection (a).
(2) Monitoring applicable beneficiaries.—The Secretary may monitor data on expenditures and quality of services under this title after an applicable beneficiary discontinues receiving services under this title through a qualifying independence at home medical practice.
(g) Reports to Congress.—The Secretary shall conduct an independent evaluation of the demonstration program and submit to Congress a final report, including best practices under the demonstration program. Such report shall include an analysis of the demonstration program on coordination of care, expenditures under this title, applicable beneficiary access to services, and the quality of health care services provided to applicable beneficiaries.
(h) Funding.—For purposes of administering and carrying out the demonstration program, other than for payments for items and services furnished under this title and incentive payments under subsection (c), in addition to funds otherwise appropriated, there shall be transferred to the Secretary for the Center for Medicare & Medicaid Services Program Management Account from the Federal Hospital Insurance Trust Fund under section 1817 and the Federal Supplementary Medical Insurance Trust Fund under section 1841 (in proportions determined appropriate by the Secretary) $5,000,000 for each of fiscal years 2010 through 2015. Amounts transferred under this subsection for a fiscal year shall be available until expended.
(i) Termination.—
(1) Mandatory termination.—The Secretary shall terminate an agreement with an independence at home medical practice if—
(A) the Secretary estimates or determines that such practice will not receive an incentive payment for the second of 2 consecutive years under the demonstration program; or
(B) such practice fails to meet quality standards during any year of the demonstration program.
(2) Permissive termination.—The Secretary may terminate an agreement with an independence at home medical practice for such other reasons determined appropriate by the Secretary.
[485] P.L. 111-148, §3024, added this second section 1866D, effective March 23, 2010; P.L. 111-148, §10308(b)(2), redesignated this §1866D as 1866E.
[486] P.L. 114-39, struck "3–year"; inserted "5–year". Effective July 30, 2015.


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Journalistic Role Performance Around the Globe (JRP) is a comparative research project which addresses this disconnection between ideals and practice in journalism, analyzing how different dimensions of professional roles materialize in the news product.
The main objective of the project is to compare journalistic role performance crossnationally, understanding the influence that different media systems have on the practice of journalism, as well as the gap between role conceptions and professional practice. Specifically, this study connects the characteristics of different professional role conceptions that have been theoretically and empirically operationalized and validated in comparative contexts (that is journalists understanding of what role they should play in society), with the study of news production (the visibility of such a role in news content).
Both data and results will be made comprehensively available on this website, becoming an interesting resource for scholars, policymakers, journalists, as well as international institutions.
Funding is provided by the respective national research councils, universities and/or local organizations of the participating countries.


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By Anominous.1
This gazebo was my first purchase. When I saw it online it really sparked an interest. When I received it I was so thrilled at the beauty of it. So simple yet very personal. I am quite impressed with it. It could have been done better to fit the elegance of the gazebo.


text:
I began cooking as a child and feeding family and friends has always been my passion. My kitchen is a busy one. I love to experiment and embrace the kitchen successes along with the accidents. I love to cook and collaborate with friends. I am seasonally driven (I love the farmer's market!), avoid processed foods and focus on whole and organic (mostly plant-based, but not exclusively) choices. In my home, my family has a variety of eating preferences from plant-based, gluten free, refined sugar free to full on omnivore. My goal is to create dishes to please all, either as is or with minor adjustments to the recipe. Where did "Feed the Swimmers" come from? When my kids began swimming competitively and growing into young adults, I realized, even more, how important nutrition is to performance, growth and overall health and emotional well being. Everyone (including the coach during travel meets) would ask "what are you feeding the swimmers?" This has become my mantra whenever I'm in my kitchen cooking for family and the friends I love.
All tagged Sponsored


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By Russ Koesterich, CFA iShares Global Chief Investment Strategist
Last week, my colleague Daniel Morillo wrote that investors would be remiss in writing off Reinhart and Rogoff's larger body of work merely because of a spreadsheet error in the economists' widely cited paper on the relationship between economic growth and debt. In my opinion, both investors and policy makers would also be remiss in writing off the influential paper itself. While Reinhart and Rogoff have publicly admitted mistakes in their methodology, their paper's basic conclusion still holds: Excessive government debt is likely to be an impediment to a country's growth [see Visual History Of The S&P 500].
In fact, their major finding that economic growth fell by about 1% when gross government debt-to-GDP was high has been corroborated by several other studies. This historical association between excessive debt and slower growth has three important implications for the future of the US economy and market.
- The United States is in the Reinhart and Rogoff danger zone. The United States, with gross debt-to-GDP of more than 100%*, is clearly already at risk of debt-related slow growth.
- The United States isn't likely to exit the danger zone anytime soon. As Reinhart and Rogoff point out, high debt-slow growth episodes tend to last for a very long time. This is likely to be the case for the United States considering that as more and more baby boomers qualify for Social Security and Medicare, the US debt problem is likely to grow significantly worse by the end of this decade, especially if there continues to be little progress on longer-term entitlement and tax reform [check out the 10 Years Til Retirement ETFdb Portfolio].
- US Earnings could suffer as a result. A 1% drop in economic growth would have enormous implications for US corporate earnings. In fact, top-line corporate growth is largely a function of economic growth.
To be sure, economists at the University of Massachusetts were correct to highlight the Excel error in Reinhart and Rogoff's analysis. In addition, they provided a very useful service by reminding everyone that economics is not physics and doesn't lend itself to exact thresholds and airtight relationships. That said, in a world in which developed market debt now averages roughly 100% of developed country GDP, both policy makers and investors ignore Reinhart and Rogoff's paper at their own peril.
[For more ETF analysis, make sure to sign up for our free ETF newsletter or try a free 14-day trial to ETFdb Pro.]
Source: Reinhart & Rogoff, BlackRock research
Russ Koesterich, CFA, is the iShares Global Chief Investment Strategist and a regular contributor to theiShares Blog. You can find more of his posts here.
*An interesting footnote to this debate: The government's calculation for US GDP is about to be revised in a way that will bring this figure down. While I'm sure this represents an improvement in methodology, here's a rhetorical question: Would the government have revised their GDP calculation had it made the number worse?
Click here to read the original article on ETFdb.com.
Read more posts on ETF Database »


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Samsung Apologizes to Chinese Consumers for Handset Flaws
With its massive smartphone sales in China, Samsung Electronics is approaching Apple in status in China.
Now it's learning the pitfalls of success in the country.
Samsung apologized to Chinese consumers Wednesday, offering free repair and extended warranty on some smartphone models following a broadcast on CCTV Tuesday where China's state-run media singled out the Korean electronics maker for a problem with the memory chips in some models of its phones, including the Galaxy Note. The report then detailed how the problem was not covered by Samsung's warranty and often cost users well over $100 to fix.


text:
Marcum DL'd with elbow injury
PITTSBURGH — Jays right-hander Shaun Marcum has been placed on the 15-day DL with a an injury to his throwing elbow and he's currently in Florida seeing team doctor Steve Mirabello. Marcum is scheduled to see renowned arm specialist Dr. James Andrews in the next few days.
Blue Jays pitching coach Brad Arnsberg said Marcum has been dealing with some minor discomfort in his arm for the past few weeks, but the pitcher didn't indicate that he felt bad enough to skip a start. The Jays finally decided that Marcum should be checked out after the pain persisted.
Replacing Marcum on the roster is outfielder Adam Lind, who was called up from Triple-A Syracuse. He was sitting next to Chip Cannon win the third inning of a game on Friday night when the manager delivered the news saying, "You're going to first," to Cannon and then "You're going to Pittsburgh" to Lind. "I was shocked," Lind said.
Jays ace Roy Halladay was fine a day after being struck in the head with a line drive. He underwent a CAT scan on Friday night and everything came up clear. Halladay is going to start as planned on Wednesday. The Jays will need to call up a starter to fill in for Marcum on Saturday.
Today's lineups:
TORONTO (35-40) at PITTSBURGH (35-39)
at 7:05 p.m. ET at PNC PARK
Marco Scutaro, 2B
Lyle Overbay, 1B
Alex Rios, RF
Vernon Wells, CF
Scott Rolen, 3B
Rod Barajas, C
Kevin Mench, LF
David Eckstein, SS
Jesse Litsch, P
Jack Wilson, SS
Freddy Sanchez, 2B
Nate McLouth, CF
Jason Bay, LF
Adam LaRoche, 1B
Doug Mientkiewicz, RF
Jose Bautista, 3B
Raul Chavez, C
Paul Maholm, P
5 Comments
Worst 3 words a pitcher wants to here is Dr. James Andrews.
Season officially over, they are saying Halladay will be fine and I hope so but don't forget what happened to Hill…
It's so sad to see what's happening to this team. I'm losing hope day by day.
Wow, talk about a downward spiral! It'll be great in October when the Jays are the wild card and we can look back on these dark days in June….well, maybe…it could happen. Almost every field position player on the roster is performing below career numbers for this season. How is that happening? Got to hope for some turnarounds and no more injuries to pitchers. Purcey gave up 7 runs in one inning last night but was strong in his other innings. Go figure.
Marcum seeing Dr. James Andrews, is giving me a feeling we won't see him again until spring of 2010. I hope I'm wrong.
I guess my question is, if Arnsberg knew he was feeling pain a while ago, why didn't they shut him down-although I have no idea if it'd have mattered.


text: Hi does anyone use a quilt frame that you can use your own sewing machine with. would like to buy one but can't afford the long arm systems and it would be for home use. I would like to know if anyone has a system like this and what kind you have and what you like about it and what you don't, it would help me very much. Thanks for any input you have. Dolores


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