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If you are daunted by the prospect of having to make student loans payments for the next ten or so years, you are not alone. Student loan debt can be fairly large, and the monthly payments may take up a big chunk of your income. However, being educated about student loans and your options can make it easier to repay them. This program will cover:
Chapter 1: What types of student loans do you have?
Knowing what types of student loans you have is very helpful, as it can affect repayment options. One important distinction is whether the loan is public (meaning the government is either the lender or guarantor of the funds) or private. There are three major federal student loan programs: the William D. Ford Federal Direct Loan Program, Federal Family Education Loan (FFEL) Program (no longer offered after June 2010), and Federal Perkins Loan Program. The Direct Loan and FFEL Programs both offer Stafford and PLUS loans. The Stafford loan is the most common type of student loan and can be either subsidized or unsubsidized. If your loan is subsidized, the government pays your interest while you are in school or a period of deferment. If your loan is unsubsidized, you are responsible for the interest as soon as the funds are disbursed – while you are in school or deferment, you can choose to either pay the interest as it accrues or have it added to the loan balance (capitalized). PLUS loans are made to parents and graduate students and are always unsubsidized. Perkins loans are always subsidized.
Private loans are made by lenders with no government involvement. They are generally not subsidized. While federal student loan holders have many options available to them under the law, such as alterative repayment plans and deferment (discussed more below), private lenders are not required to offer these options.
What if you do not remember what types of loans you have? Look for your loan documents – you or your parents should have them somewhere. Also, you can call your lenders and ask. You can access information about federal student loans from the National Student Loan Data System (contact information is in Chapter 5)
When do you have to start paying your student loans?
For Stafford loans, your first payment is normally due six months after graduating (or dropping below half-time enrollment). For Perkins loans, you are given nine months. For PLUS loans, the borrower is given the option of starting repayment either within 60 days after the funds are disbursed or waiting until six months after the student has graduated or dropped beneath half-time enrollment. (The grace period is only 45 days after leaving school for graduate students.) If you have private student loans and are not sure when repayment starts, talk to your lender.
Who should you pay?
In general, Direct loans are paid to the Direct Loan Servicing Center (contact information is in Chapter 5) and Perkins loans to the school, but this isn't always a simple question to answer, especially for FFEL and private loans. Student loans, like mortgages, are often sold by the loan originator on the secondary market. To further confuse matters, lenders sometimes hire a servicer – a third party who collects the payments. If you fell behind with your payments, it is possible that your loan was sent to a collection agency or, for federal student loans, your state's guarantee agency or the Department of Education.
Whenever a loan is sold or payment collection duties are transferred, you should be notified. If you are not sure who to pay, check your mail to see if you received a notice. You can also check your credit report or call the original lender. As discussed above, if you have federal student loans, you can find out where they are by checking the National Student Loan Data System (although be aware that information may only be updated periodically).


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EAU CLAIRE, Wis. (Blugolds.com) – Senior Sarah Bingea (Delano, Minn.) reached 1,000 points in her career as the UW-Eau Claire women's basketball team defeated UW-Stout 81-70 on Ken Anderson Court in Zorn Arena tonight.
Bingea needed just 13 points coming into tonight's game to reach the milestone and with just over three minutes remaining in the game, she hit two free throws to put her at 1,000 points. She is just the 16th Blugold in history to reach the mark.
While the Blugolds started the game outscoring Stout 8-2 over the first three minutes, the Blue Devils used a 9-0 run to take a one-point lead at 13:11.
Cady Roedl (Fr.-Beaver Dam, Wis.) then hit a three-pointer, which began a 19-6 run over the next nine minutes and the Blugolds went up by 12 (29-17). Eau Claire never looked back after that.
Eau Claire led by double-digits most of the second half and the Blugolds reached their largest lead of the night at 18 points midway through the final half. The closest Stout got after that was nine points with just over a minute to play.
Roedl led the Blugolds with 18 points while Leah Rempert (Sr.-Lake Geneva, Wis./Badger) added 16 and Bingea scored 13. Bingea finished with a double-double as she also pulled down 10 rebounds, and she also tied for a game-high four assists.
Eau Claire outshot the Blue Devils from the field, 43.9 percent (25-for-57) to 32.8 percent (21-for-64). Stout outrebounded the Blugolds 46-42, including 24-13 on the offensive end.
The Blugolds are now 10-13 overall and 5-9 in the WIAC. Stout drops to 10-13 on the season and 4-10 in conference play. Today's game was also senior and alumni day for the Blugolds.
Wednesday the Blugolds will be at UW-Platteville for a game beginning at 7 p.m.

subset: commoncrawl


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McKenna necesitaba un nuevo diseño de página web y lanzó un concurso de diseño en 99designs.
Un ganador ha sido elegido entre 26 diseños de 14 diseñadores freelance.
I'm looking to get a homepage design for a financial consultancy. The only collateral to base the design on is a blue logo which I have linked to in the main description. The design must be clean and professional looking.
Desired Color Scheme:
Blue and White mainly. Open to other colours if they fit.
Desired Style:
The design must be clean and professional. See links in the description for a better idea of what I have in mind.
Accepted File Formats:
I am looking to get a Homepage design for a Financial Consultant. The only collateral that he currently has is this logo which I recently got re-drawn right here on Sitepoint. Find the link to the logo here:
Obviously, this will form the basis of the design in terms of colour and style, and needs to be incorporated seemlessly into the design.
The homepage should be clean and professional looking with a financial theme, but nothing too cheesy (like massive dollar signs everywhere or currency collages :P).
As for the actual content on the homepage, the navigation on the site will simply be: Home, About Us, Articles and Contact Us. I would like an introductory piece of text, a 'Latest Articles' section and a a 'Latest News' section on the homepage. The news and articles can just list the latest 3 or 4 items. The contact details should also appear somewhere on the homepage, maybe in the footer, but I'll leave that up to you.
I looked around for designs that I feel are relevant and match the style I'm going for. I came across the following sites that have the clean yet professional look that I have in mind:


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Protecting Earth from menacing space rocks that could impact our planet should be designated a top-level NASA strategic goal, according to an agency task force. To achieve that goal, NASA should establish a Planetary Defense Coordination Office to oversee the effort, the task force said.
The seven-person NASA Advisory Council's Ad-Hoc Task Force on Planetary Defense called for the new asteroid-watching office after reviewing ideas for detecting, characterizing and deflecting threatening near-Earth objects (NEOs), as well as discussing international coordination to deal with the issue.
The task force, which met here July 8-9, is reviewing its advocacy of launching an infrared detector spacecraft placed into a Venus-like orbit to provide a long-distance lookout for NEOs, which could speed up surveillance duties by decades compared to relying solely on ground-based observations.
IN PICTURES: Earth Day 2010
Pro-active prevention
Former astronauts Russell Schweickart and Tom Jones are co-chairs of the Ad-Hoc Task Force, which is made up of members from academia and scientific institutions including NASA.
"At the end of our process, our recommendations will go to the NASA Administrator and for the first time will address the overall issue of protecting the planet from asteroid impacts," Schweickart told SPACE.com. "Those recommendations will include not only finding NEOs that potentially pose a threat, but pro-active prevention of impacts...and working with the international community in order to be prepared to take that kind of action," he said. [Gallery: Holes in the Earth]
The group's output "will be the first time NASA will have that kind of serious, internal set of recommendations," Schweickart added.
"It really is a turning point," said Don Yeomans, a task force member and Manager of NASA's Near-Earth Object Program Office at the Jet Propulsion Laboratory in Pasadena, Calif.
"For decades we were bumping along, barely aware that there were near-Earth objects. When NASA got involved in the mid-1990s... there's been a dramatic increase in the discovery rate. It was sort of an 'ah-ha' moment for the community in terms of science," he told SPACE.com.
Emergency management issues
The task force members are investigating using off-the-shelf hardware to fabricate a ground-based short-term warning capability. Such gear could provide many days or hours of warning about smaller, incoming space rocks. Furthermore, using commercially-available equipment could help build a system that's inexpensive but powerful, and can be easily deployed around the globe.
The task force is also considering emergency management matters, such as what to do if Earth appears poised for a bruising impact.
Speaking to that topic via remote conferencing was Dennis Mileti, professor emeritus and former director of the Hazards Center at the University of Colorado at Boulder. He is an expert on societal aspects of hazards and disasters.
If NASA takes a lead role in planetary defense, the job of detecting threatening NEOs falls to the agency, Mileti advised. It is important, he said, to structure a highly reliable warning and messaging system, coupled with a public education campaign.
Blending NEO space scientists with emergency responders and disaster management agencies — including the Department of Homeland Security — is critical, Mileti said. "That's really mixed soup to weave together," he told the task force.
Mileti's message to NASA: "They'll need to provide the leadership to reach out to the emergency management community ... because it will not go the other way around."
- Images — Asteroids Up Close, Astronauts on Asteroids
- NASA's New Asteroid Mission Could Save the Planet
- Will an Asteroid Hit Earth? Are We All Doomed?
Leonard David has been reporting on the space industry for more than five decades. He is past editor-in-chief of the National Space Society's Ad Astra and Space World magazines and has written for SPACE.com since 1999.
IN PICTURES: Earth Day 2010


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With hot, sunny weather in the summer and excellent snow sports in the winter, Denver is a popular destination year-round. Despite this, if you're looking for cheap hotels, winter is a great time because many skiers skip the city and head straight for the mountains. September through October and April through May also tend to be slower times. The worst times are high summer (June-September), when temps soar and travelers flock to the city's open squares and courtyards to soak up the fresh Colorado air, making budget hotels scarce.
If you're looking at a specific weekend and finding very few options for hotels, there might be a convention in town – the city is an ideal town for convention organizers – so explore alternative dates for getting the best prices.
If you haven't been to Denver before, you may be surprised to find that the Denver airport is about 25 miles outside of downtown, and travel times can be considerable at typical rush hour times. Be sure to plan ahead how you'll be getting to/from the airport and leave yourself plenty of time, both coming and going. Your options for airport transfers include shuttles, the city's SkyRide express bus, or renting a car. If location isn't important to you and you already plan on renting a car, you can score a cheap hotel deal near the Denver airport; hotels are clustered around 40th Avenue as well as Tower Road.
Denver airport is a focused location for several airlines: United Airlines, Frontier Airlines, and Southwest Airlines. If you need cheap airline tickets, start your search with these three carriers.
Apart from the airport, downtown Denver is where most of the hotels are. You may find that luxury abounds when it comes to spending the night in downtown Denver – several high-end hotels that opened in the early 1900s are still in operation. If you look closely, though, you can find some affordable luxury options.
One traveler favorite is the Curtis, a boutique hotel owned by Doubletree Hotels that has kitsch luxuries for affordable prices. Another option is the Springhill Suites Downtown. Owned by Metropolitan State University, it is used as a training ground for their hospitality students, making it a unique, vibrant hotel that fits in most budgets and is just a few blocks away from the downtown core. Many of the larger hotels adjacent to the 16th Street Pedestrian Mall offer great package deals and discounts, particularly if you're planning well ahead of your trip – Courtyard by Marriott and the Hilton Garden Inn are two great options to consider.
If you're looking for a more relaxed environment, sites like AirBnB have many apartments and room shares welcoming travelers with open arms. These units are generally in the outer neighborhoods as opposed to downtown, but can give you a significant price break if you aren't looking for the extra amenities.
If you're just visiting downtown Denver, you don't need a car – take the airport shuttle, unpack your best walking shoes and hit the pavement. Most locations are within 15 minutes of each other on foot, and if your route takes you along the pedestrian mall, you can hop aboard the free shuttle.
For neighborhoods near downtown, you can take advantage of the city's Regional Transportation District. RTD operates a light rail service that covers popular residential areas, with bus service covering the rest of the city. While the light rail is fairly straight forward, most travelers feel the bus network is complex, so investigate your route options thoroughly before heading out for a smooth travel experience.
If your plans require you to visit several locations or make trips outside the downtown core frequently, a car is highly recommended. This also gives you the flexibility to get out of town for the day and head into the mountains, or perhaps hang out in the nearby quirky college town of Boulder.
Looking for affordable things to do downtown while you're here? You're in luck – most of Denver's attractions are quite inexpensive. Downtown Denver has quite a few museums, so it's worth investigating to see what interests you the most. One of the most popular is the Denver Art Museum, which features a more modern collection. If you're more inclined to explore the American West, visit the American Museum of Western Art. If it's a sunny day and you don't feel like being inside, the Denver Botanic Gardens are a real treat.
If you love sports, be sure to budget for some sporting tickets since Denver has no shortage of options for you. Hockey (the Avalanche & the Cutthroats), lacrosse (the Mammoth), baseball (the Rockies), football (the Broncos), and basketball (the Nuggets) are all possibilities, depending on when you visit.
Denver is also very well-known for its beer, so at some point along your journey, be sure to take a minute to relax and enjoy a sample of a locally brewed beverage. Wynkoop Brewing Company and the Yard House are two downtown options with several beers for you to enjoy, though local beers are always available at most pubs and restaurants.
Downtown may be Denver's focus, but it's not the only area of interest for visitors. Cherry Creek is where the bulk of the city's shopping district is, from high-end retailers to budget boutiques. Cheery Creek also boasts great biking paths for a stroll after enjoying dinner at one of the many great restaurants that call this area home.
North of downtown is an area called Five Points, which is famous for being home to Denver's many well-regarded jazz clubs. Today it features hip cafes, quirky ice cream parlors, and wonderful Victorian houses; locals will also send you here if you're looking for diverse ethnic foods, from Caribbean to Cajun.
Just a few blocks off of downtown is an area called Uptown, which is the city's oldest residential district. The Denver Zoo is located here, as well as the city's largest park, City Park. Lately, Uptown's biggest claim to fame is the rise of its Restaurant Row, a lineup of top-rated pubs and eateries on either side of 17th avenue – be sure to find a bowl of the famous Denver green chili.
The official Visit Denver website is a great place to start for links to sporting websites, conference schedules, museum exhibits, and other activities in the metro area. Visit Denver also has a rotating list of hotel deals and discounts, as well as tips for making your stay more enjoyable, considering the high altitude and higher sun exposure.
If you're interested in music or other cultural activities, pick up a copy of Westword or download their online mobile app. It has the most comprehensive events calendar for smaller businesses and venues, as well as restaurant tips, movie showtimes, and full write-ups on unique festivals and fairs that occur fairly regularly in Denver.
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© 2020 Hipmunk® and Concur® Hipmunk® are trademarks of Hipmunk, Inc. and Concur Technologies, Inc.


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War on the Saints. Jessie Penn-Lewis. Whitaker House (1996).
Written in 1910, following the acclaimed Welsh Revival, Jessie Penn-Lewis analyzed the reasons for the eventual decline of the spirit of revival. She comes to the conclusion that "Revival is the hour and power of God, and of the devil, for the descent of the Divine power brings the accompanying onslaught of evil supernatural powers. It means movement in the spiritual realm. Revival itself is the hour of God, when heaven is opened, and the power of God works among men, but when the Divine power appears to pass away, and evil supernatural powers manifest their workings in a man, or a church, or a country, then men marvel that the devil's work should be where God had been so manifest, not knowing that the devil was planting his seeds, and doing His work, from the dawn of revival. Revival ebb began with its flow, but all unseen" (Chap. 12: "Revival Dawn and the Baptism of the Spirit," emphasis hers).
In this way, Ms. Penn-Lewis proceeds to systematically rip off the scales of deception and self-delusion that are the causes of spiritual bondage, and the effects it has on the spiritual man.
Used as a practical diagnostic tool, War on the Saints identifies the many forms of spiritual deception to which every believer is susceptible, and gives practical instruction on how one may uncover such falsehoods in one's own doctrines, practices and belief systems.
This is not "spiritual warfare" in the common, misused term. There is no instruction on how to cast out demons, or how to pray "properly" for the healing of the sick. On the contrary, this book focuses exclusively on the idea that spiritual warfare is very much like real, military warfare, and that we must "take back ground" that has been lost to the Adversary in our own minds, lives and congregations due to false teachings and the conclusion which have been drawn from those false teachings.
While the sentence structure occasionally requires some concentration, the book is written in brief, easily digested snippets. Ms. Penn-Lewis provides excellent "meat" for the experienced and inexperienced believer alike. Her style of writing simply and logically addresses the various forms and methods of spiritual deception used by the Adversary to coax, confuse, blind, and entrap the man of God, to either limit his usefulness or derail him/her completely from God's path for his/her life. As the book delves into the shockingly successful methods and processes used since the beginning of time, the reader will discover, if honest, that s/he too may have been duped by the Adversary. Once the deception is uncovered, practical suggestions are given for the "renewal of one's mind" by means of focusing on "rightly dividing the Word of Truth," God's peace, and God's expectation of how we are to live our lives. The instruction contained within targets specifically how to fight against the wiles of the Adversary, but leaves the application and the practice of these devices to the believer. As such, an individual can take this concept as far as s/he may desire to go.
The book can be acquired in two formats. The abridged version, which completely removes the discussion of "manifestations," is available as a paperback at many quality, secular bookstores (specifically, Barnes and Nobles). The unabridged is out-of-print, though available at online in the public domain. The abridged version is excellent for the new believer, but even those who have been part of God's church for many years will benefit highly from this version. For the serious student-for the person who desires to walk in as much light as possible, and to effectively fight against the Adversary—the unabridged version is a must.
This book is preeminent in its field. Next to your Bible, it is the most important book you can ever read. Go buy it immediately. You will not be disappointed—but the Adversary will be.


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I think this an apples and pears thing - there is not a lot of point in planting your flag in one or either of Cee Lo's or John Legend's camp, as if they were competing over the same ground. What seems to have started it is the reference to Cee Lo as retro-soul, but I think that is a bit misleading. For sure, he references soul, as he does pop and funk but to me in a completely different way to JL. Cee Lo is closer to Outkast than someone like JL. It is a very knowing and playful take on black and white pop music, and no surprise that he got on famously with Danger Mouse who has a similar love of all forms of music, as well as a very modern way of re-engineering it - much closer to the patchwork sampling of hiphop than classic forms of songwriting.
One thing I would say is go and see Cee Lo if you get the chance - there is whole other dimension (literally) to him that you just don't get on record. Larger than life just doesn't do it justice. This is a demented kind of opera, in the best possible way of course, a voice which could take the roof off, and a man who absolutely loves to let it rip.
While I absolutely respect what John Legend has done, it is completely different. Cee Lo for me is joyful and inspiring and funny, but in no way a retro act.
So let's not set them up as competitors for the same ground.


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Singapore, 24 May, 2011 – Jurong Bird Park will be aflutter with activity this June as our feathered friends and their origami counterparts bring to life a first-of-its-kind paper wonderland.
The event, titled "Save the Colour," is a hands-on way in which the whole family can learn about avian conservation and the various elements that contribute to a healthy ecosystem. Most of the Penguin Coast area will be turned into an "Origami Village" and visitors will be asked to help rebuild the village and habitats of the birds, who represent the colours of our world. With the combined efforts of many participants throughout the weekends of June, the village will become "populated" with origami items which symbolise avian habitats, and kids also learn that everyone can make a difference to saving the colours of our world.
The three habitats represented in the village will each have a different conservation theme. For example, at Antarctica, the aquatic and the tropical garden landscape, kids will learn to fold origami items like "ice blocks", fishes and flowers to highlight the dangers of global warming and deforestation.
Kids can also "adopt a bird" by making a contribution to the Wildlife Reserves Singapore Conservation Fund (WRSCF) and learn how to fold an origami crane which symbolises the bird that they have saved. They can then show their commitment to the cause by attaching a personal pledge to each crane they place on the trees in the garden habitat.
Kids can also help to spread the message about "Saving the Colour" by sending their friends free postcards. The postcards will be mailed for free to their friends and is limited to local addresses only.
For a little more fun, kids can also experience and celebrate the vibrance of our feathered friends by getting free colourful air-brushed bird tattoos and face painting makeover at our Origami Village.
Event Details
Date: Every weekend in June, 10am – 4pm
Venue: Jurong Bird Park
Price: Park entrance fees apply, event participation is free
Adult: $18.00
Children (12 years old and below): $12.00
Free for children below 1 year old
Annual Camps
Jurong Bird Park's annual 2-Day Bird Quest Camp and Sleep with the Penguins Camp will also be part of the exciting activities lined-up this June holidays. The 2-day Bird Quest Camp is an exciting adventure that allows kids to get up-close with raptors, and some may even get to handle a bird of prey! Behind the scenes tours are also scheduled, and there will be lots of hands-on activities and feeding sessions with birds. It includes a tour around the Bird Discovery Centre where they will come face to face with the world's largest egg, and learn more about how birds fly. Families get to spend quality time with our feathered friends during the Sleep with the Penguins Camp. Camp participants will also meet Pinky, the park's star Humboldt penguin, get a chance to get behind the scenes and separately, feed some feathered friends!
For more information on the annual camps, log onto: http://education.birdpark.com.sg/


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Tag Archives: green beans
Ravenswood ArtWalk 2018
Posted on September 19, 2018 by admin
I participated this last weekend in the Ravenswood ArtWalk! The variety of art in my location at 4500 Ravenswood was wonderful and I felt honored to show my work with three other wonderful ladies, Barb, Lilly and Sue. Above is … Continue reading →
Posted in Art, Farmers Market, Three-dimensional work, Uncategorized | Tagged apple, art, art show, baked goods, banana, beads, birds, carrot, carrots, chocolate cake, cookies, cucumbers, eggplant, eggs, Farmers market, Felt, fruit, fudge, green beans, hens, lettuce, onion, peas, pie, pumpkin, Ravenswood ArtWalk, sewing, squash, sunflower, sunflowers, vegetables | Leave a comment


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Since 1873, Zions Bank has been a leading provider of farm loans to America's farmers and ranchers. At Zions Agricultural Finance, we do one thing, ag real estate loans.
Zions Agricultural Finance provides land loan financing nationwide for farm and ranch acquisitions, refinancing existing debt and financing capital expansion.
Our management and loan production staff has strong agricultural backgrounds and extensive agricultural lending careers.


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My 19 Run Out Event On Now.
Volvo XC 90 D5 inscription Finished In Electric Silver with Charcoal Leather Interior
Factory Options Include - Tinted Rear Glass - Mesh Inlays.
Company Demonstrator
Experience one of the largest dealerships in the country with a newly refurbished showroom, the largest range of new and Pre-owned Volvo in Queensland with a combined 25 years experience in Volvo customer satisfaction in sales and service.
We welcome all trade-ins and offer competitive finance and insurance packages to approved applicants.
If you cant get to us We will come to you.
Selekt Approved
Call for your test drive today!
Ready For Immediate Delivery.
Please confirm price, specifications and features with the Dealership.
The Dealer's actual prices may vary from the published price for a number of reasons, including additional charges applicable under the laws in your state. Contact the dealer to confirm the final drive away price that will apply to your purchase. The Dealer and its providers of data have been diligent in providing accurate and complete information. However, the Dealer and its providers do not warrant the accuracy or completeness of the data. Please contact the dealer to confirm the details of this vehicle. Use of this website indicates your acceptance of our Terms & Conditions.


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1.00ctw Diamond Floral Motif Hinged Bangle Bracelet in 14K White Gold
- Gemstone(s):
- Total carat weight (ctw):
- Number of stones:
- Color:
- Cut:
- Setting:
- Diamond(s): 30 stones, ranging from 0.01ct to 0.15ct
- Total carat weight (ctw): 1.00ctw
- Color: H-J
- Clarity: SI1-I1
- Cut: Round
- Setting: Prong
- Coin:
- Country of origin:
- Metal:
- Metal purity:
- Coin weight:
- Hallmark:
- Number of coins:
- Length: 7" in diameter
- Width: 3mm wide at back
- Metal: White gold
- Metal purity: 14K
- Hallmark: Not hallmarked but has been chemically tested for purity
- Finish: High polished
- Link type: Bangle
- Clasp type: Bracelet catch with safety chain
- Weight: 18.9 grams
This diamond floral bracelet is an estate item. It is in good condition. The diamond floral bracelet has been cleaned and inspected by a professional jeweler. See photos for reference.
Includes complimentary jewelry box appropriate for gift giving. Please feel free to contact us if you have any questions.
We only ship to verified addresses.
- We offer free standard shipping on all domestic orders. We ship all of our items via USPS Priority.
- Orders totaling five thousand or more will be shipped via FedEx overnight.
- Purchases made Monday through Friday will receive a one day process and handling time.
- All orders totaling two hundred and fifty or more will require a signature receipt upon delivery.
- One day, two day, Saturday and overnight guaranteed deliveries are available upon request and all costs are the responsibility of you the Buyer.
Customer satisfaction is very important to us. We strive to make each transaction a positive experience for our buyers. If you have any questions or concerns, we ask that you contact us directly so we can resolve any issue for you. We will address all of your concerns in writing within 48 hours.
We offer a 30-day money back guarantee on all of our items. If you are not happy with your purchase we ask that you please follow the steps listed below:
- Contact us directly within 30 days from the date of delivery
- Package item with original contents
- Ship the item in the same method in which it was shipped to you.
***Our jewelry items may have an attached security tag that must still be intact at the time of return to receive a full refund. If the tag has been removed or tampered with, we reserve the right to charge up to a 50% restocking fee.***
**Any customization or alterations performed to any item requested by the Buyer which resulted in the item being altered from its originally offered description may be excluded from a full refund.
As a valued customer of Oaks Jewelry, we'd like to extend these courtesy services to you:
- Gift wrapping for any jewelry is available upon the buyer's request.
- Free ring sizing for any ring purchased over nine hundred and ninety-nine dollars is available upon the buyer's request.
- Complimentary written in-house appraisal for any jewelry purchase over one thousand nine hundred and ninety-nine dollars upon the buyer's request.
Item SKU: OP5007237- YDT -LG


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Explore Our Hotel
The Holiday Inn Express Vancouver-North/Salmon Creek Hotel is conveniently located near Legacy Hospital and the Washington State University (WSU) Vancouver campus. The hotel is also located only minutes of the regions most exciting tourist attraction, Ilani Casino. Stay with us, and enjoy all the premier dining, gaming, and entertainment Ilani has to offer.
This Holiday Inn Express features a unique combination of hotel rooms and spacious suites. Located in a quiet area with easy access from I-5 & I-205, you'll be close to anything that you want to do while you're here.
Concerts and music are nearby at the Clark County (Sunlight Supply) Amphitheater, and local events at the Fairgrounds are just down the street. Attend a local baseball game; we are the official hotel for the Ridgefield Raptors. Mount St. Helens and the Columbia River Gorge are within easy driving distance. Holiday Inn Express features an Indoor Heated Pool & Whirlpool, brand new equipment in our Fitness Center, 24/7 Business Center, and a Guest Laundry.
Whether traveling on business or pleasure, you will enjoy our warm surroundings and friendly staff that truly make you feel at home. All guest rooms are equipped with wireless high-speed Internet access. You'll never want to leave the Holiday Inn Express Vancouver-North/Salmon Creek Hotel.
- Black-out Shades
- Rollaway Bed/Cot Available
- Iron/Ironing Board
- Separate Hanging Closet
- In-Room Heating and A/C Controls
Bathroom/Personal Care
- Private Bathroom
- Bathroom Amenities Available
- Hair Dryer
- Bathtub
In-Room Features
- Coffee Maker
- Tea Maker
- Flat-screen TV
- Work Desk with Lamp
- Free Local Calls
- Cable/Satellite
- Premium Channels
- Direct-dial Phone
- Two-line Phone
- Phone with Voicemail
- Windows Open by Guest
Added Value
- Connecting Rooms Available
- Complimentary Coffee/Tea Supplies
- Full Breakfast Included
- Breakfast Buffet Included
- Continental Breakfast Included
- Complimentary Coffee in Lobby
Business Services
- 1 Meeting Room(s) Available
- On-Site Business Center
- Printer
- Copier
- Scanner
- Office supplies available
Internet Access
- Free High-Speed Internet in all Rooms
- Wireless Internet service is free for all IHG® Rewards Club members
Entertainment & Recreation
- Indoor Pool
- Heated Indoor Pool
- Indoor Whirlpool
- Indoor Pool Hours of Operation: 12:00 AM - 12:00 AM
Health & Fitness
Complimentary Fitness Center
Most equipment is new. Treadmill, stair climber and stationary bike are new. we also have a universal gym/work-out station.
Hours of Operation: 12:00 AM to 12:00 AM
Fitness Center Type: LIMITED
Fitness Center Equipment:
- Stair Stepper
- Treadmill
- Elliptical Machines
- Stationary Bicycle
Housekeeping & Laundry
- Daily Housekeeping
- On-site Guest Self-Laundry Facilities
- Hours of Operation: 6:00 AM - 10:00 PM
Added Value
- Wake Up Calls
- Storage Space Available
Hotel Details
13101 NE 27th Avenue
Vancouver, Washington 98686
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Explore Our Hotel
Midwest City Hotel's the Smart Choice
The Holiday Inn Express® Hotel & Suites Midwest City is a smart choice with a great location in Oklahoma City. The hotel's address in Midwest City, OK is five miles from downtown and one mile from Tinker Air Force Base. You'll find our hospitality matches the warm, friendly atmosphere of Midwest City.
The hotel's guests love being located at I-40 and Sooner Road, with its easy access to the businesses in the area. For instance, Boeing, Lockheed Martin, Baker Hughes, Northrop Grumman and Rose State College are all within four miles of the hotel. Here in Midwest City, we are ready for business! The Business Center and meeting room can help you be your best for clients, and The Reed Center is within walking distance of the hotel, as well.
Your visit shouldn't be all work and no play, though. There are 18 holes of championship golf awaiting you at the John Conrad Golf Course, just four miles away. Oklahoma City's Bricktown Entertainment District is six miles away, so sample the many restaurants and clubs, attend an event at the Chesapeake Energy Arena or a baseball game at AT&T Bricktown Ballpark.
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text:
The gold chains were dangling at Le Tour this year.
Dangling bling, bling
Fans were naked and crazy
with a couple flying eddies covering the junk
Voekler rocked it
Lick it Up
and then this happened.
Pull that radio out of your head and go!
That screenshot summarizes a frustratingly boring Tour that ended with Wiggo winning. The course suited him, many rivals in the mountains we're taken out (45 abandons) or not there, and we debated on social networks that it's not just the win, but the manner in which the race is won. I said
Wiggo's riding himself into a Bronte novel.
— byron@bikehugger (@bikehugger) July 21, 2012
Meaning, besides the outward stoicism, suspect Wiggo is infinitely more complex. If Sky signs with Specialized next year and works more closely with Mclaren, expect a dynasty too. Listen to him in this presser. He responds to the question of being boring and lacking panache. Also listen to us debating the Tour on the Fredcast Spokesmen.
Finally, from the NYT, how Britain conquered the cycling world
Before the British came to dominate track cycling, before the Olympic medal haul of 2008, before the velodrome sold out faster than any site for the London Games, there was "E.T." The movie inspired Chris Hoy's foray into cycling. He started in BMX and later moved onto the track and won three golds at the Beijing Games. Afterward, he was knighted — joining Sir Elton John, Sir Alfred Hitchcock and Sir Isaac Newton — for riding a bicycle around a wooden track.
Screenshots are from NBC's coverage of the tour with a mod'd Getty Image of Tour fans via Daylife.…
My daily shooter is Sony a9 II with a vertical grip and various Sigma lenses attached like the 14mm 1.4 Art. Find more recommendations on our store page. As an Amazon Associate I earn from qualifying purchases.


text:
Etiwanda's three-month search for a head football coach is over. Brandon Rohrer, La Puente's football coach for the last four seasons, has been hired, pending board approval, according to an anonymous source. Roherer, who went 33-11 at La Puente, will replace Tommy Leach, who went 4-6 in his one season as Etiwanda's head coach.
After finishing second his first three seasons, Rohrer led La Puente to a share of the Montview League championship last season. La Puente has exited the playoffs in the first round each of his four seasons.
After reaching the playoffs five consecutive seasons, Etiwanda missed the playoffs in 2012 for the second straight year. Leach departed after one season citing the long commute from Temecula Chaparral, where he is a teacher.
Continue reading "Source: Etiwanda hires La Puente's Brandon Rohrer as head football coach" »


text:
Icahn, Dell Enter Confidentiality Pact
On the heels of activist investor Carl Icahn's revelation that he had taken a substantial stake in Dell, David Benoit reports Icahn has signed a confidentiality agreement allowing him to inspect the company's books.
This transcript has been automatically generated and may not be 100% accurate.
... I ... oh well ... this morning ... call icon Forstall Carl Icahn ... is now a comfy Don ... of Dell INc.'s what exactly does that mean ... will say is him tore into Times Square there recently ... David Benoit Deal Journal blogger who I understand has a direct line to Mr. Icahn ... we try ... that I've talked on the promise her that ... but not ... with what what this line A imprint that this was the no news out there ... Carl Icahn Bill confidentiality pact what is it mean capability right so essentially a it means ... we don't yet but ... yet he's he's he's in the go shop now ... so you know the ... talks the four directors ... spot where this goes from here when it reported last week that ... he didn't need in ... our room ... on one point ... discussed making an offer and not the official was near their Lerner talks ... this could get them back to that stage that are for him just walking letters ... now he's ... the importance that means that he gets he gets to look at the ball straight yet so I think I will see the guidance else so bright so ... arguably he is looking at books a gets to ... decide that the companies were hit with a little bit more than just a public records ... bah ... but ... essentially what is going on right now it is the isthe boarded Delhi's is offering a lot of people just look at books or other foreign Blackstone to cancel the book's ... report last week to HP and Lenovo were approached at least ... that went nowhere yet ... so ... this ... could not mean a lot ... we have to see what what it says in an icon Hetherington is his intentions clear ... so be it synching the causes are a lot of people pizza dough comes out of the offer and Michael Dell to go private offer ... lot of people gripe about to complain about the share price in stocks worth a lot more ... Carl Icahn get some Borneo's looking that the books ... I mean ... there's a shares for two dollars and thirty one cents ... the stock has not been above twenty dollars since before considerable weight just before the crisis ... he did not it was forty one dollars in all four it's been downhill ever since then ... in all his people griping about the share price but is there any real indication that the stock is worth more ... than what Michael Dell does offer ... I'm ... now ... money other than its trading above what is offered for now ... write ... to the significantly above right right I think there's a big debate over here over whether ... off fifteen dollars per share offer is going to make this an off maker ... honestly icon is arguments over twenty ... Southeastern Asset Management the largest of such employers offer ... is our chance for twenty four dollars ... it seems like a longshot for to get there the recent buyout it seems ... improbable that he wants to be offered for hours ... I'm ... but ... where doesn't euro Icahn's plan is and I know she ... sch ... per share dividend right ... of the jet fuel Renato unappreciative ikan which she knows you are you you can bet on the shares right now it's over twenty two but ... this essay thirteen are a couple of Florida is it smart for the company taking on debt ... sold or taken a lot more debt to go private ... but ... I'm ... it yet I mean this is the still yet nearing eleven more days to go shop Benson and well Wolf we have a little bit more claims that the big shareholder in the Shirley's up and set so that next deadlines March twenty seconds to go shop technically ends unless something


text:
Is the "Sign of the Horns" a manifestation or an act of 'Avodah Zarah? What if someone uses the gesture as a pop culture reference (eg., heavy metal), or just jokingly - or even mockingly about either that culture or even mocking 'Avodah Zarah?
If it's an act of 'Avodah Zarah to use it even in the most casually associated case above (some form of dark-themed heavy metal, eg.), does that make the sign itself inherently 'Avodah Zarah, or can it be used for other purposes (cf. ibid - #Sports)?


text:
Wednesday, November 12, 2008
Hedgies in the Hot Seat
So the heaviest of Wall Street Heavies—George Soros, Philip Falcone, John Paulson, James Simons and Ken Griffin—are making their way to Capitol Hill even as we write this.
The five, supposedly chosen because they all made more than a billion last year, will testify before thoughtful and deliberative Congresspersons who really want to learn about this hedge fund business of ours, in order to make sure that Washington regulates the hedge fund industry as intelligently and rationally as possible.
We're joking, of course.
What those Congresspersons want to do is say as many words as possible before their time limit expires and the Chairman gavels them to get to the point, before they run off to their next meeting.
We know: we've testified before one such committee.
On the one hand, it was kind of cool. They were as diverse a group of individuals as you'll ever get under one roof; about as American as could be. On the other hand, they were, for the most part, blowhards. All it all, it was quite depressing.
The typical "question" went something like this:
Congressperson Sludge: "Thank you, Mr. Chairman, for this opportunity to get at the heart of the concerns of my constituents in the great state of [fill in your average state]. Now, Mr. Hedge Fund Manager, I want to ask about these hedge funds and why these hedge funds are hedging, and what they hedge. Is it not dangerous when so much money is in the hands of so few people with no accountability to the American people, this rabble you're talking about, who do most of working and paying and living and dying in this town—"
Chairman Bile (banging gavel): Congressperson Sludge, you're doing Jimmy Stewart from "It's A Wonderful Life" again. Next time I hold you in contempt!"
Congressperson Sludge: "I apologize, Chairman Bile. What I want to ask the hedge fund persons is but before I get to that let me say that my state is the banjo capitol of the world, and banjos are the backbone of our society, and your corrupt influence on our financial structure should not be tolerated, except, of course, in the event of war—which I voted against, although it seems to me—"
Chairman Bile (banging gavel): Congressperson Sludge, your time is up. [Looking around.] Sludge? Where did he go?
Today's hedge fund line-up is quite impressive, particularly because Congress finally picked one of the right guys to talk to: John Paulson, who got this whole subprime mess dead right.
Too bad nobody invited him to the table when his namesake, Henry Paulson, and the academic theorist Ben Bernanke, whose main qualification for the job of Fed Chairman seems to be that he studied the Great Depression and wrote a paper about it, were trying to figure out how to deal with the subprime crisis.
If they had, the Feds might not have gone off on tangents like the supposed "naked short-selling" crisis that some Congresspersons actually became convinced was what drove Fannie Mae to ruin.
Of course, just this week, Fannie Mae reported a $29 billion loss. And nowhere in the press release did we see a reference to the "naked shortsellers" who might have caused the loss.
Let's hope Congressperson Sludge actually asks a real question—and waits around to hear the answer—today. He might learn something.
Jeff Matthews
I Am Not Making This Up
© 2008 NotMakingThisUp, LLC
The content contained in this blog represents the opinions of Mr. Matthews.
Mr. Matthews also acts as an advisor and clients advised by Mr. Matthews may hold either long or short positions in securities of various companies discussed in the blog based upon Mr. Matthews' recommendations. This commentary in no way constitutes investment advice. It should never be relied on in making an investment decision, ever. Nor are these comments meant to be a solicitation of business in any way: such inquiries will not be responded to. This content is intended solely for the entertainment of the reader, and the author.
12 comments:
- Anonymous said...
The hearing is actually tomorrow, Nov. 13. However the best hearing of all is not even scheduled yet:
- Anonymous said...
For the industry, a good opportunity to say its piece. A great example of proactive defense from the industry In the UK, for example, is this open letter ("Hedge Fund Community Albourne Village Rejects Blame"):
- Anonymous said...
Hey Jeff,
Maybe you can clarify something for us main street residents.
A hedge fund investor serves society how? He or she serves what purpose other than to extract make bets on markets? I am trying to get a handle on this profession of yours.
It is an existential question for sure, but at some point, probably at the end of your career, when you ask yourself the question, what exactly was all this about?
- Anonymous said...
ere is the deal. The world has been shifting from a supply side monetarist economy ever since Reagan stepped down. Bush 1 and 2 and Clinton were all Keynesian economics believers pretending to be supply-siders. As the Keynesian stimulus based economics looks a little like supply side economics, people may not have noticed the liberal shift. Now twenty years after Reagan, several things have happened to create this perfect economic storm:
1. Liberal Keynesian economics has taken over most government and corporate CFO thinking, eliminating the old idea of a paper based economy stabilized by actual money in the bank to back up lending (fully monetized lending).
2. This has caused a shift from a monetized economic policy of 'what you see is what you get' to a policy that had been replaced by printed money, extended debt and failed Keynesian economics. People have been looking only at the supply side economics aspects and not the solid aspects of institutional fully monetized funding policies.
3. The result has been the current debt and liquidity crisis that has no solution because failed economic institutions are not being allowed to fail, as hard as that sounds.
4. With the combined 8 years of Bush spending out of control, trillions in additional debt due to the failure of the flexible economic policies of the Keynesian economists, the inability of the population to repay that debt is self destabilizing. The millions of boomers who are now near retirement with no retirement nest or no savings and the end of the Reagan economy of a stable fully monetized supply side economics now have not a recession but a genuine depression in which the exact opposite that is needed will be happening over the next four to eight years.
Even Karl Marx said "I am not a Marxist".
All of the false financial opportunists masquerading as financial gurus have made an egregious assumption that the money being stolen and spent by the bureaucrats to solve this financial crisis can actually be paid back by the generations being taxed to pay it.
In ten years, a look back at the poverty and misery and the collapse of nations that continues, one might consider that in the beginning government failed to maintain laissez-faire while private enterprise failed by its embrace of phony printed money provided by governmental Keynesian fools.
All of this activity involves the real collapse of world economies in the shift from Monetarist to Keynesian economic management and that shift has created a nation that is nothing less than a trailer park whore who is running through the street trying to grab that dollar being pulled on a string through the park by her pimp. Trying to save us with government is like the last humans consuming the suicide pill On The Beach(es) of Australia after the nuclear holocaust has already killed everybody else.
- Robert said...
mr mathews,
the internet is wonderful. I found out that you were a financial supporter of Rep Christopher Shays of CT.
Guess what House Committee he was on?
Now I know why you did not print my comment on your latest piece on hedge fund managers appearing tomorrow before that very committee.
Jeff Mathews IS making this up !!!!!!! I think you are a hypocrit.
Robert Perrin
Los Angeles
- Anonymous said...
One of the consequences will be more donations from the hedgies to our peoples' representatives. We saw it when right wing groups started going after Microsoft a few years ago, MS felt the pressure to start giving away some gift bags.
- Annie and Lyon Jewett said...
the testimony today was less than impressive.
More of the same is in order.
By the way, Bernanke and Paulson should have been a part of the jobless claims number today.
- Jeff Matthews said...
Greg is correct: the hearing is Thursday. "So I was a little early," to quote from another movie--'Some Like It Hot'.
Robert needs to use a spell-checker. As for whatever comment he made regarding hedge funds that we did not print here, I urge him to write it again, using proper English, with correct punctuation. Otherwise, we congratulate him on his use of "Google" search. You really can find anything on the internet.
"Anonymous" asks a great question that must be on the minds of many investors these days--investors in underperforming hedge funds, underperforming private equity funds, underperforming mutual funds and even "safe" money market funds that are suddenly no longer safe.
What, after all, is the point of any of those asset-management businesses if they fail to protect their investors?
The answer, as Warren Buffett says, is quite simple: when the tide goes out, you find out who's swimming naked.
Speaking of Warren Buffett, we note that he ran a hedge fund for 13 years. He made his investors--and himself--very rich. And nobody complained.
- Anonymous said...
your answer to anonymous question
on hedgies usefullness is depressing. It was a bit like in your previous post about Congressmen totally not getting it. I think a question is about how is this useful for the society - not a few rich investors whose money you are managing. Too bad you wouldn't even think about it this way, even when asked directly.
- Jeff Matthews said...
The answer to the question of 'why hedge funds?' is simple: done well, they work well for their investors.
Warren Buffett ran a hedge fund for 13 years, and made dozens of not-rich people very wealthy in the process.
Furthermore, Buffett himself invested a mere $100 in his hedge fund and made himself $25 million thanks to performance fees. He rolled that money into Berkshire Hathaway shares now worth $50 billion, mostly pledged to helping Bill Gates deal with world health problems.
That's not a bad thing for society.
But it's not my place to defend a bunch of yahoos or explain why rich people gave their money to idiots who couldn't manage it, and I'm not going to.
How did Fannie Mae "help society"?
- Sivaram V said...
I think the answer to the anonymous question--and this is coming from some guy who thinks most hedge funds, or perhaps most hedge fund investors (supposedly to be sophisticated,) don't know what they are doing--is something like the following:
What a hedge fund, or a mutual fund, or a portfolio manager in general, does is to allocate resources. Similar to how a bank is supposed to channel savings into investments (or to those that seek to make investments,) funds are supposed to help the market by increasing efficiency.
A good example of this in practice would be arbitrage hedge funds. You can probably buy/sell a foreign stock or exchange currency at close to the actual (market) value due to the activities of arbitrage funds (others do a similar thing such as market makers and trading desks but I'm thinking of cases where that isn't the case.)
Another example would be short-selling hedge funds, who provide liquidity to the market.
Having said all that, I think the problem is that hedge funds as an investment class were in a bubble. My opinion is that there were too many funds--and don't forget that typical retail investors don't have access so you are ruling out a huge part of the market--and that probably led to poor allocation decisions, including possibly herd-like bets on commodities, speculative emerging market stocks, and so forth. To make matters worse, a lot of hedge funds use leverage so it masks their performance. There are countless funds that seem to have posted better numbers than Warren Buffett, whom I consider the best of all time, did in his prime. It shouldn't be surprising that the providers of leverage to these hedge funds--investment banks--are almost all bankrupt or receiving bailouts from the government.
- Anonymous said...
I think one cannot resort to one Buffet example to prove that hedge fund industry is useful in its current form. In my humble opinion, there are at least two serious problems. First, the long term capital gain tax rate on the salary of the managers is simply obscene. More essentially, the fee structure common in the industry is not good. There is a huge moral hazard. Getting a cut of profits every year encourages use of strategies which lead to decent gains with high probability and a complete disaster with lower probability. There are plenty of those strategies, not too subtle.
The expected value of the return may well be negative or subpar, but managers can earn huge salaries for a few years and then depart upon disaster keeping the bounty.
There should be a least some time horizon for taking out these profits, like vesting of options for executives. For example, profit-based fees accumulate in a special fund, and the manager starts gaining access to profit cut earned in year x only after ten years - in year x+10 - provided that he does not blow up or even produce subpar performance during this time. Such a structure would be totally OK for Buffet, but will not overcompensate majority of mediocre managers. Why the investors do not ask for such a deal, especially with new funds without much of a record, is beyond me.


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Featuring Nikon's own high-resolution image processing engine and a new dedicated high-performance processing chip, the camera is a must have for photography enthusiasts. The processing chip has been introduced to significantly accelerate performance on all levels, while achieving lower power consumption and assuring more pictures per battery charge.
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* New 10.2 effective megapixel Nikon DX Format CCD image sensor with the power to capture exceptional sharpness and faithful colour at 3,872 x 2,592 pixels size.
* Inherits the industry-leading advanced imaging processing engine of Nikon professional D-SLR cameras. Colour-independent pre-conditioning prior to A/D conversion works in harmony with high-precision digital image processing algorithms to produce natural-looking images that benefit from faithful colour and tone reproduction.
* 3D Colour Matrix Metering II automatic exposure control ensures ideal exposures in most lighting conditions. It evaluates brightness, colour, contrast, selected focus area and camera-to-subject distance. The system references the data against an expanded onboard database created using data from more than 30,000 actual photographic scenes to instantly and accurately calculate the final exposure value for the shot. Variable centre-weighted metering and spot metering centered on the active focus area are also available.
* Refined 11-area AF system packs the same number of focus areas available for the professional D2 series into a space-efficient system that features fast, precise operation. Each of the 11 focus areas can be used individually, the centre sensor can be switched to wide-frame operation for broader coverage and new Auto-area AF mode measures all 11 focus areas. The system automatically determines which are on the primary subject and activates only those areas.
* ISO AUTO mode automatically adjusts sensitivity between ISO 100 -1600 to maximize available light and achieve optimal exposure. Sensitivity can also be set manually between ISO 100 – 1600 in steps of 1/3 EV, plus HI-0.3, HI-0.7 and HI-1. Three levels of High ISO Noise Reduction are available when shooting at high ISO settings. Long Exposure Noise Reduction is also available when shooting at shutter speeds of 8 seconds or slower.
Optimized and Predictable Results
* Seven automated Digital Vari-Programs are easily accessed from the Mode Dial. They provide automatic operation optimizing white balance, sharpening, tone, colour, saturation and hue for crisp and vivid results that match the intended shot. Selections include Auto, Portrait, Landscape, Close Up, Sports, Night Landscape and Night Portrait.
* Easily accessed image optimization options closely tailor results to the scene at hand or the intended use of the image. Image sharpening, tone (contrast) compensation, colour mode, saturation and hue adjustment is controlled by the user-selected choice of Normal, Softer, Vivid, More vivid, Portrait, Custom and Black-and-white (with colour filter options).
Immediate response and fast performance
* Near instant power-up of 0.18 seconds enables photographers respond to any shutter opportunities.
* A mere 80-millisecond shutter time lag (approximate) promotes fast handling.
* Swift continuous shooting performance at 3 frames per second* enables the shooting of up to 100 JPEG (FINE M-size or smaller) or up to 6 RAW (NEF) images.
* Shutter speeds ranging from 1/4,000 to 30 seconds or bulb setting provide full creative control.
* Average frame rate with continuous-servo AF, manual or shutter-priority auto exposure, a shutter speed of 1/250 seconds or faster, and remaining buffer memory.
In-camera image editing and effects
* Creative in-camera effects and editing functions available under the new Retouch menu:
o D-Lighting automatically brings out detail to enhance results and add creative flair, all the while optimizing overall exposure balance.
o Red-eye correction automatically detects and compensates for the annoying red-eye effect sometimes caused by flash.
o Trim can be used to produce smaller files for easy sharing or greater efficiency for specific end purposes.
o Image Overlay merges a pair of selected RAW (NEF) files taken with the D80 to create a new composite image that can be saved in RAW or JPEG format.
o Monochrome settings (Black-and-white, Sepia, Cyanotype)
o Filter Effects (Skylight, Warm filter, Colour balance)
* Multiple Exposure creates a single image within the camera from up to 3 consecutive exposures to produce imaginative and even surreal results.
Ergonomics for efficient handling and further versatility
* The D80 is housed in a slim, compact body with the size, layout and operation of all buttons and controls designed for intuitive operation.
* A large new 2.5-inch LCD monitor with a 170˚ viewing angle and new dedicated zoom button assist accurate and easy assessment of sharpness by enabling image preview at up to 25 times magnification (for L-size images). Convenient displays include RGB information as a single histogram display or as separate histograms for each colour channel.
* Built-in slideshow options include Advanced Pictmotion shows with style selections that control transitions and background music, and that can be enjoyed on the 2.5-inch LCD, or complete with audio on a television via the supplied AV cable.
* The carefully chosen colour scheme and increased font size of the new colour-coded menu display makes navigation easier on the eye, easier to understand and easier to use. "My Menu" lets you customize Menus to display only the items you wish to see.
* Bright pentaprism viewfinder with large 0.94x magnification ensures the clearest view possible for precise composition.
* Nikon's EN-EL3e rechargeable lithium-ion battery delivers enough power to support the shooting of up to 2,700* images on a single charge. It can be recharged at any time and features a handy real-time fuel gauge system display that shows remaining charge by percentage, number of shots since last charge and overall battery status.
* Achieved under the following test conditions: Fully charged EN-EL3e battery; temperature of 20°C/68°F; Zoom-Nikkor AF-S DX 18-135mm f/3.5-4.5G IF-ED lens; continuous shooting mode: continuous-servo autofocus; image quality set to JPEG BASIC; image size set to Medium; shutter speed 1/250 second; shutter release pressed halfway for three seconds and focus cycled from infinity to minimum range three times with each shot; monitor turned on for five seconds after six shots and then turned off; cycle repeated once exposure meters turned off.
Seamless integration with Nikon's Total Imaging System
* Unprecedented compatibility with Nikon's lineup of AF Nikkor lenses and digital-exclusive DX Nikkor lenses. (When used with the D80 or any DX Format SLR, all AF and DX Nikkor lenses have a picture angle comparable to 1.5x that of 35mm [135] format.)
* Compatibility with the Nikon Creative Lighting System allows the D80 to work seamlessly with SB-800, SB-600 and SB-R200 Speedlights to deliver the benefits of i-TTL flash control's advanced monitor pre-flash, accurate measurement for bounce and versatile wireless operation. SB-800 and SB-600 Speedlights also offer a Wide-Area AF-assist Illuminator, which aids flash photography in dim light by projecting a pattern of red light that covers all eleven autofocus areas of the D80's 11-area Multi-CAM 1000 AF Sensor Module.
* The optional MB-D80 battery pack adds extended shooting capability in an ergonomic design that adds shooting stability. Able to run on either one or two EN-EL3e batteries or six AA-size batteries*, the pack also features an additional command dial and alternative buttons for shutter release and AE-Lock/AF-Lock that make vertical shooting more comfortable.
* PictureProject (complimentary with camera) software features an intuitive user interface that provides fast and easy access to powerful tools for organizing, editing and sharing images. Auto Enhance and other creative functions are readily available via handy buttons, as are Mail, Slideshow and CD/DVD burning functions. Pictures can be organized using simple drag 'n' drop operation, and can be quickly located by name, keyword, or date. Design templates make it easy to produce prints, tailor images to e-mail, or layout several images on a page to produce creative album layouts.
* Capture NX (available for purchase separately) is Nikon's highly versatile and elegantly simple new photo editing solution designed to help photographers tap the full potential of NEF (RAW) images. Featuring an innovative user interface that provides easier access to powerful and visually intuitive enhancement tools, Capture NX's powerful photo image processing and editing tools can also be applied to JPEG and TIFF files to satisfy a broader range of photofinishing needs and applications.
* Compatible AA-size batteries comprise alkaline, Ni-MH, lithium and nickel-manganese batteries.
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Grouting can be a rewarding task. It's the last step in a tile job, so you know you're almost done. And filling the joints with grout brings out the beauty of the tile. But if you've ever had grout turn rock hard before getting it off the tile, you know grouting can also be a nightmare. So to help you avoid problems and get the best results with the least effort, we've assembled these grouting tips.
Let the grout slake
Let grout set, then remix
Remix the grout after letting it set for 10 or 15 minutes. Add a little water if the grout is too thick.
It's tempting to skip this step, but it's important to let the grout set for 10 minutes after mixing. This step, called slaking, allows the water to completely moisten the dry ingredients. Remix the grout after the slaking period and adjust the mixture by adding a little more powder or water until you reach the viscosity of mayonnaise. Be careful, though—it doesn't take much of either to radically change the consistency.
Don't spread too much grout at once
Apply grout to the wall
Scoop grout from the bucket with your grout float and apply it to the wall with upward strokes. Don't worry about getting it into the joints yet.
Temperature and humidity affect how quickly grout starts to harden after you spread it on the wall. And once it does start to harden, you'll really have to hustle to get it cleaned off the tile and get the joints shaped before the grout turns rock hard. Avoid this problem by grouting small areas at a time. Start by spreading grout onto a 3 x 3-ft. area. Finish grouting, shaping the joints and cleaning each section before proceeding.
Force grout into the joints
Hold grout float at 45-degrees
Fill the joints by pushing the grout at an angle to the joints with a grout float. Start in one corner and work methodically to fill all the joints.
For a long-lasting grout job, make sure all the joints are completely filled with grout. To accomplish this, make several passes over the same area from different directions with the grout float. Hold the float with its face at an angle of about 45 degrees to the tile to force the grout into the joint. When the joints are filled, remove excess grout from the face of the tiles by holding the float at almost 90 degrees to the tile and scraping it off.
Tool the joints
Shape the joints
Pull the rounded corner of the grout float over every joint to shape them.
Shape and compact the grout by dragging a tool across every joint. The tool can be anything from the rounded corner of the grout float to the rounded end of a toothbrush handle. Whatever is handy and has about the right radius to create a slightly concave joint will work. Don't use metal tools. They can damage the tile or leave marks.
Video: Removing Tile Grout
Simplify ceramic tile grout removal by using a carbide-grit blade in a reciprocating saw or an oscillating tool. Both speed up this tough, tedious chore.
Use a clean, damp sponge to remove grout
Remove excess grout with a sponge
Remove grout from the face of the tile with the corner of a damp sponge. Swipe from bottom to top, using a clean corner of the sponge for each stroke.
Start with a clean bucket of water. Wet your grouting sponge and wring it out until it's just damp. Then, starting along one side of the grouted area, position the sponge so that the corner of one long side of the sponge is in contact with the wall and drag the sponge in a continuous stroke up the wall. Now rotate the sponge to expose a clean corner and repeat the process alongside the first stroke. When you've used all four corners of the sponge, rinse it in clean water, wring it out, and continue the process until you've cleaned the entire area once. Clean the tiles two or three more times using the same process until they're free of grout residue. A thin film of grout may appear when the water evaporates. Buff this off with a soft cloth.
Don't scrub the grout or use too much water
Don't use a wet sponge
Don't use a dripping wet sponge to clean grout from the tile. If water runs down, the sponge is too wet.
Let the grout harden slightly before you clean off the excess. Test the grout by pressing on it with your finger. When it's hard enough to resist denting, you can start cleaning the excess grout from the face of the tile and shaping the joints. Two common mistakes at this point are using too much water, and scrubbing the tile like you're washing a wall. Too much water will weaken the tile and cause the grout color to be uneven when it dries. And scrubbing doesn't remove grout efficiently; it just moves it around.
Remove grout from corners before caulking
Remove grout to make room for caulk
Remove grout from inside corners and along the tub to make room for caulk. Use a utility knife for narrow spaces or an old screwdriver or putty knife for wider joints.
Because it's flexible and can handle slight movement, caulk is used at corners instead of grout. For a good tile installation, apply a neat bead of matching caulk at vulnerable areas like along the tub or countertop and at inside corners. But to achieve a good-quality caulk joint, you'll first have to remove the grout from these areas. Most home centers and tile shops will have caulk to match the color of your grout.
Seal porous tile before grouting
Spray sealer on floor tile
Apply a thin coat of sealer to porous stone. Follow the application instructions on the label. Wipe up excess sealer with a cloth to avoid puddles. Then let the sealer dry before you grout.
If you don't seal porous tile and stone, grout will stick like glue and be nearly impossible to clean off. There are two different products that can make it easier to clean grout from porous stone and tile. If you're installing a matte finish tile or other tile with a rough or porous surface but don't want the sheen that a sealer would leave, apply a liquid grout release product. Grout release forms a thin film that prevents grout from sticking but washes off as you clean off the grout.
Use a sealer rather than grout release if you want to enhance the color of stone or leave a "wet" looking finish. You may have to apply another coat of sealer after grouting for maximum protection and to enhance the color of the stone.
Required Tools for this Project
Have the necessary tools for this DIY project lined up before you start—you'll save time and frustration.
- Bucket
- Grout float
- Utility knife
Soft cotton rag
Required Materials for this Project
Avoid last-minute shopping trips by having all your materials ready ahead of time. Here's a list.
- Caulk
- Grout mix
- Tile sealer or grout release


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Freight Forwarding Oakland
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What may be complicated for some, we make simple for you. For example, we understand wood packaging restrictions for export shipments, and the methods of securement for your product. We are fully aware of security clearance issues for air shipments. In short, you can trust Craters & Freighters San Francisco for the expertise required to give you full confidence with every freight forwarding project.
Transportation Only
Craters & Freighters Oakland can quote transportation services only, however we prefer to also do the crating to ensure proper packaging and to reduce the risk of damage during transport. Please note we have volume-based National and International rates that give us very competitive prices with common carriers.
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There are many ways we can make life simpler for you. Craters & Freighters Oakland can crate one item or many items; we can crate in our warehouse or at your place of business. We build custom containers that meet industry standards as well as the specific requirements of your products. We can even bring custom-made empty crates to you!
Even if you have a regular carrier, we suggest you give us an opportunity to quote the shipping portion of your project. You may be pleasantly surprised at our combined crating and shipping price.


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Well, I got into Lightbringer about three years too late to get the special PDF file from Lulu.com, so I don't understand too much about Angel Armor and the comic's connection. I kind of get the gist of who Louis and the Darkbringer are, but I'd love to read the extra stuff so that I know their characters better.
If anyone out there still has it, could they possibly email/message it to me? I'd like to get into Angel Armor, but don't have the cash right now to buy the books (and I don't do digital downloads of entire books as a rule. Sorry, Lewis : [).
*waits to be banned for suggesting literary piracy*


text:
Chimerascope (ebook)
Sunburst Award Finalist
Aurora Award Finalist
CBC Bookies Award Finalist
Collection | 16 stories, 332 pages | introduction by Julie Czerneda
"A massively enjoyable trek" —Quill & Quire *starred review*
Chimerascope [ki-meer-uh-skohp] — a story of many parts...
A young artist hungers to draw you.
A dinner conversation takes three lifetimes to finish.
A geologist faces a planet-sized, eons-old puzzle to save her crew.
The hero of the Fall of Earth must choose between love and revenge.
A mysterious dancer leads a businessman to a most exclusive nightclub.
A man is born each day into a new life—only to die each night.
A sentient aurora threatens the last of humanity.
A Norse god's bar in Toronto hosts an unplanned family reunion.
A woman descends into insanity—or is it the end of the world?
A house as big as the world.
Chimerascope was my first full collection of short fiction, containing sixteen of my best stories, including an Aurora Award winner, a Best New Horror selection, and eight Aurora finalists. Sixteen stories of fantasy and science fiction that take you from love in fourteenth-century Japan to humanity's last stand, from virtual reality to the end of reality, from alien drug addictions to a dinner where a man loses everything.
Contains the following stories:
"Scream Angel" Aurora Award WINNER
"The Red Bird" Aurora Award Finalist
"By Her Hand, She Draws You Down" Best New Horror selection, Aurora Award Finalist
"New Year's Eve" Aurora Award Finalist
"The Boys Are Back in Town"
"State of Disorder" Aurora Award Finalist
"Symphony" Aurora Award Finalist
"Out of the Light"
"Enlightenment" Aurora Award Finalist
"The Last Ride"
"Jigsaw" Aurora Award Finalist
"The Dancer at the Red Door" Aurora Award Finalist
"Going Harvey in the Big House" Aurora Award Finalist
"A Taste Sweet and Salty"
"Memories of the Dead Man"
Science fiction, Fantasy, Urban fantasy, Horror, Surreal
"A massively enjoyable trek through the far-fetched, the horrifying, and the flat-out weird, all filtered through Smith's remarkable imagination and prodigious talent. ... Chimerascope is a sterling set, with nary a weak or disposable entry. Smith's writing, evocative yet understated, gracefully brings to life his imagined realms." —Quill and Quire, *Starred Review*
"Showcases the inventive mind and immense storytelling talent of one of Canada's most original writers of speculative fiction. ...Smith writes with a keen eye for detail and atmosphere, crafting each story with wit and perception. ...will appeal to fans of such literary sf writers such as Jack Vance and Gene Wolfe." —Library Journal
"A gifted writer in the genre of science-fiction. … Smith paints his worlds so well that you are transported within a paragraph or two and remain in transit until the short story ends." —Broken Pencil, The Magazine of Zine Culture and the Independent Arts
"An entertaining selection of stories that deftly span multiple genres" — Publishers Weekly, Jan 2010
"[An] engaging and entertaining volume, pieces of whose content resonate after the book is finished." —Booklist, Apr 2010
"Chimerascope confirms for me what Impossibilia affirmed, namely that Douglas Smith is an extraordinary author whom every lover of quality speculative fiction should read. Rating: A+" — Fantasy Book Critic
"[Chimerascope] speaks volumes of his range and future potential. ... Smith is definitely an author who deserves to be more widely read." —Strange Horizons
"A beautifully diverse selection of short tales that runs the full spectrum of the speculative genres. The tales are well-crafted, easily digestible; several of the stories are incredibly moving and stick with the reader long after." — 2011 Sunburst Award jury
"A superb collection... Spanning a wide spectrum of classic sci-fi, stories inspired by mythology, and post-apocalyptic fiction, this is a collection you'll want to own and re-read. ... It's a complex mix: one of the many reasons this collection succeeds so powerfully." —Ideomancer Magazine
"An absolutely stunning short story collection of sci-fi, fantasy, and horror, one of the best I've ever read." —Corey Redekop, award-winning author
Available Download Formats
Buyers may download either or both of the following formats:
.prc / .mobi (Kindle)
.epub (Nook, Sony, iPad, Kobo, and most ereaders)


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It is currently Mon Jan 20, 2020 1:43 am
In the 70s Julian Cope and other Liverpool characters of the period worked at Probe Records.
Garth Cartwright wrote:Also: record shops in films.
Adam Blake wrote:Garth Cartwright wrote:Also: record shops in films.
I suppose "High Fidelity" is the obvious contender. I resisted seeing the film for many years because they had American-ised something which was so wonderfully English in Nick Hornby's book. When I finally did see it, I thoroughly enjoyed it.
Adam Blake wrote:Nice one, Andy.
I thought you were a bit mean to Bruce Springsteen.
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Soft Mint Sugar CandyEverybody loves soft mints! Red Bird Peppermint Puffs are made with simple ingredients including sugar and real peppermint oil. These refreshing little treats melt in your mouth, and they're nearly guilt-free! They're made in the USA, have zero fat and no cholesterol, and they're free of gluten and most common allergens.
- 1,000 ct clear wrap
- Peppermint flavor
- 500 count jar
- Peppermint flavor
- 240 count jar
- Peppermint flavor
- 3-30 ounce bags
- Cotton Candy flavor