text:
Elekta has announced that Health Canada has issued a Medical Device License to Elekta's Leksell Gamma Knife Icon radiosurgery system. Canadian health care providers are now able to offer their patients the latest advance in Elekta's industry-leading stereotactic radiosurgery (SRS) system, the only SRS system designed specifically to target brain tissue, according to a company press release.
Icon is the sixth generation of the Leksell Gamma Knife system and provides the flexibility for single dose administration or multiple treatment sessions over time. This enables treatment of structures ranging from very small target sizes of a few millimeters to several centimeters, targets close to critical brain structures and new or recurring brain metastases.
"The image guidance and frameless features of Gamma Knife Icon allow us to treat patients who were not candidates for SRS therapy with older technologies," said Arjun Sahgal, M.D., Deputy Chief of the Department of Radiation Oncology, Odette Cancer Centre, Sunnybrook Health Sciences Centre in Toronto. "Through our experience participating in the pre-approval validation of this system, we had the opportunity to experience how real-time CT imaging enables sub-millimeter accuracy in targeting tumors. This degree of precision is especially critical when targeting lesions in the brain, where sparing healthy tissue is essential for reducing side effects and protecting normal brain function."
Specific to Icon are the online Adaptive DoseControl and high-definition motion management technologies that ensure high accuracy for all treatments and an efficient workflow. Compared to other SRS platforms, Icon reduces delivery of radiation to normal brain tissue two to four times and lowers the extracranial dose by up to 130-fold. Icon can be used in both frameless and fractionated treatment approaches, expanding physician options for patient-specific needs.
Elekta's Leksell Gamma Knife Icon radiosurgery system receives medical device license from Health Canada. Appl Rad Oncol.


text:
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|5.7 inches
|Screen Resolution
|2880 x 1440 pixels
|Battery Capacity
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|Qualcomm Snapdragon™ 821 2.35 GHz + 1.6 GHz Quad-Core Custom 64-bit Qualcomm Kryo™
|32 GB (up to 20.34 GB usable)
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|HPUE and 2&3-Channel Carrier Aggregation, Android 7 (Nougat) Operating System, 5 MP Wide-Angle Lens, 4G LTE Connectivity, Mobile Hotspot, Rear Key with Fingerprint Sensor
|5.7" QHD Plus FullVision Display (2880 x 1440) with 564 ppi and 18:9 Aspect Ratio
|Dolby Vision™ HDR
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|IP68 Water and Dust Resistance**
|Shock Resistant with MIL-STD-810G Testing***
|Rear Key with Fingerprint ID
|Corning® Gorilla® Glass 3 on Screen and Rear Camera; Corning Gorilla Glass 5 on Back
|USB Type-C™ Charging Port with Qualcomm® Quick Charge™ 3.0
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|Video content must be created in Dolby Vision or HDR10 to take advantage of HDR playback.
|Protection against water immersion for 30 minutes at a depth of 1.5 meters.
|The LG G6 is compliant with a military standards test (MIL-STD-810G Method 516.6, Procedure IV "Transit Drop"). Device may not perform as tested in all conditions. Test performed in controlled environment. Do not attempt.
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|f/1.8 Low-Light Lens*
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|Manual Mode*
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|5 MP Wide-Angle Lens**
|100 degrees, f/2.2 low light; toggle for standard-angle (82 degrees) option
|Front Camera Resolutions
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|Auto Shot**
|Face detection automatically takes a selfie
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|Take selfies with a simple hand gesture
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|Transitions between camera mode and preview mode automatically when phone is lowered
|Selfie Light**
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|Wind Noise Filter
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|Not available with some camcorder settings
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|Some owner content may still be accessible to a user who enables Content Lock.
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|Depends on network availability. Additional carrier charges may apply.
|USB cable required (included).
|HD Voice required on both caller and receiver devices.
|5.7" QHD Plus FullVision (2880 x 1440) with 564 ppi and 18:9 Aspect Ratio
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|Android 7.0 (Nougat)
|Qualcomm Snapdragon™ 821 2.35 GHz + 1.6 GHz Quad-Core Custom 64-bit Qualcomm Kryo™
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|Supports microSD card up to 2 TB**
|Available Colors
|Ice Platinum, Black
|Actual time may vary depending on network connectivity and application use.
|microSD cards sold separately.
|USB Type-C Cable (Quick Charge 3.0 Charger)*
|Bluetooth Stereo Headset
|(LG TONE PLATINUM,™ LG TONE INFINIM,® LG TONE Active+,™ LG TONE Active,® LG TONE ULTRA,® LG TONE PRO®)
|Included with phone.
What People Are Saying
LG TONE Studio™ Bluetooth® Wearable Personal Speaker Headset
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subset: commoncrawl


text: Animal Snap Animal SnapIn this children's title based on the Chinese tile game of mahjongg, players must clear stacks of tiles by matching pairs of letters, animals, food, or plants. Each game is timed, and the goal is to clear each of the ten levels within the limit. A record time is also presented in the bottom right corner of the screen. On the right side of the playfield is the word "bonus," which lights up whenever players match the five corresponding letters. Once the word is spelled out, players unlock an additional game called Block Blaster, which is patterned after the classic Breakout. Players are challenged to eliminate a series of blocks by ricocheting a bouncing ball into a wall using a horizontal paddle.Price: $19.99Price: $9.95


text:
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Balancing act: Aerobic exercise with strength training is key in losing weightBy Casey Ardoin •...
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text:
Chat with Kansas' incoming poet laureate
June 30, 2009
This chat has already taken place. Read the transcript below.
Caryn Mirriam-Goldberg has been selected as poet laureate for Kansas. Her two-year term begins July 1. Mirriam-Goldberg will answer questions about the poet laureate program, her own poetry and poetry in general during an online chat beginning at 1:30 p.m. Tuesday.
Hi, everybody. Caryn Mirriam-Goldberg is here to chat today. She's the incoming poet laureate for the state, starting her term tomorrow. Welcome, Caryn.
Caryn Mirriam-Goldberg:
It's great to be here on this not-yet-scorching day. I welcome anyone's questions.
I'm Terry Rombeck, the features/special sections editor at the Journal-World, and I'll be the moderator today. Please submit your questions throughout the chat.
First off, why don't you give people an overview of the poet laureate position -- it hasn't been around too long, so not everyone is familiar.
Caryn Mirriam-Goldberg:
Thanks so much for asking. Basically, this is a two-year term to help promote poetry throughout Kansas -- poetry as a way to better understand and explore our lives, find great meaning in our communities, and expand our way of seeing the world. I'm the third poet laureate -- continuing after Denise Low and Jonathan Holden -- and my main focus will be facilitating writing groups, helping people lead ongoing writing circles, doing presentations and readings, and doing a monthly radio show on High Plains Public Radio. I'll be available to communities throughout the state.
I'm curious about your own start in poetry — at what point in your life did you start taking it seriously and writing/reading a lot of poetry?
Caryn Mirriam-Goldberg:
As a young child, I drew all the the time and somewhat obsessively, but when I was 14, I was going through a difficult time during my parents' divorce and I found I needed more than images. I needed words. I began writing, and it took hold immediately. I filled journal after journal, and luckily, found some wonderful mentors in my high school and beyond who encouraged me to read widely and continue writing like a maniac. When did I start to take myself seriously? I'm not really sure when I realized, "I'm a writer." In many ways, when I started writing, I knew that already. I think some of us are hard-wired to write or create in other ways, and if we don't question it too much, we can steer clear of stopping ourselves by wondering if we're writers or not.
So what kind of poetry inspires you now? Do you find yourself drawn to particular poets?
Caryn Mirriam-Goldberg:
I'm a life long secret student of William Stafford, and there are many poets who have deeply influenced and inspired me, people I feel like I tutored under even though they never met me. These include Adrienne Rich, Emily Dickinson, Deborah Digges, Stanley Plumley, Tess Gallagher and others. I'm drawn to a wide variety of writers, and I like reading what stretches me but also what dazzles me. To this end, I read a lot of memoir and some fiction, and I love good personal essays.
How has the Kaw river valley influenced your poetry?
Caryn Mirriam-Goldberg:
That's a very good question. Living here has been a way of coming to a home I never imaged while growing up in New Jersey, yet my grandfather told me that when I was only about four, I said, "I'm going to live in Kansas when I grow up," and obviously, i was right. I love the contours of the land here -- the hills and valleys, the Kaw River, the wetlands, the big stretches of sky. For ten years I lived near the river in North Lawrence, and now I'm on my husband's family land south of Lawrence, with a great view of the sky. I love this sense of living in the sky -- watching the weather that often rolls in from the southwest, and watching so much change so fast. All this is to say that the land and sky where I am are the primary influence, even the cause, of much of my poetry.
How do you see this position affecting your own writing?
Caryn Mirriam-Goldberg:
I believe the travel itself will spark a lot of new poems. I especially like roaming through Western Kansas, which has so many surprises in terms of the landscape and big sky, and I find being there catalyzes a lot of writing. I also believe just meeting with other writers, community people, students and elders around the state will give me more ideas and spark to write, not to mention some stretches in motels around the state when I hope I'll find little bits of time to write. I tend to write a lot of my poetry here and there, in the between spaces, such as waiting in a doctor's office or in the 10 minutes before I go to bed, so my way of writing should lend itself well to what's ahead.
What is your writing process? Do you wait for inspiration or work at it as a daily discipline?
Caryn Mirriam-Goldberg:
Thanks so much for asking. I tend to both write when inspiration strikes and also just write during any time I have. I have stretches of time I devote to writing, and since I write in many genres -- memoir, fiction, poetry, blogs, etc. -- I usually either work on an ongoing project, picking up where I left off the day before, or turn on the faucet and see what comes out. Some days I'm ready to write a personal essay and other days, it's more an hour or so of revising poetry. For example, this week, I'm writing up Holocaust research to integrate into a book I'm writing on the friendship between a Polish resistance fighter and Holocaust survivor (a non-fiction book), and I'm also doing some poetry revision and toying with an essay I'm writing on poetry as a spiritual practice. I also -- as I mentioned -- write when the iron is hot. The other night, walking toward the car downtown, a poem came to me, and I wrote in the dark as my husband drove us home, then typed it up when I walked in the door.
Is it a daily discipline? Most days it's daily, but it doesn't feel like a discipline I do -- more like a practice I love. Writing is rarely painful for me, and mostly, it's pure joy since I always tell myself that I just playing with words, and if the words don't come out right, that's fine, because I can revise them tomorrow.
There's an event tomorrow night at the Lawrence Arts Center. Why don't you tell us what that's all about?
Caryn Mirriam-Goldberg:
It should be a wonderful event because it's a reading to celebrate the first book published by the new Imagination and Place press, which Elizabeth Schultz helped start. The book -- IMAGINATION AND PLACE -- edited by Kelly Barth includes poetry, essays and fiction about losing, seeking and finding place. It's a fantastic anthology, and I'm loving reading it. So the event will include readings from authors in that anthology, plus a reading from Denise Low, plus a reading from me. Denise and I will also talk about the poet laureate experience -- in Denise's case, what she did and learned along the way, and in mine, what my plans are. Finally, Kelley Hunt will be introducing me by singing one of the songs we co-wrote, and it's always a powerful and wild delight to hear Kelley sing.
Is there a way for people to learn more about the poet laureate program or get ahold of you if they're interested in a workshop, etc.?
Caryn Mirriam-Goldberg:
Yes, please visit my website -- www.CarynMirriamGoldberg.com. From there, you can also link to my blog, which will soon have monthly writing prompts from the High Plains Public Radio show and a place for you to share your writing. There are also already there some pages about getting started. Thanks so much for visiting with me!
Thanks for coming in Caryn. Good luck as you start your new endeavor.
Commenting has been disabled for this item.
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A day of work in Sheffield
- At February 25, 2009
- By
- In bath chip repairs london / bath enamel / bath re-enameling UK / bath re-enamelling UK / bath re-surfacing edinburgh / bath re-surfacing london / bath renovation london / bath resurfacing / bathroom renovation / bathroom suite / Bathrooms london / chipped enamel / enamelling / shower re-surfacing / the bath business
I travelled all the way to Sheffield today. It looks like they had had a lot of snow. We have employed a chap to cover this area specifically but I do like to do the odd job myself, especially when we are really busy. Sheffield is really rather nice.
I got to the job. A very pretty roll-top bath from 1928 was the bath to be resurfaced. It was in excellent condition too. But the customer wanted the holes for the taps filled and that area to look like it had never had taps. He had the new taps coming in over the side of the bath from above. So I filled the holes and resurfaced the bath. Can you tell where the tap holes where? I hop not.
The house was having a lot of work done to it; an extension being added and so on. One of the sparkies said something to me I didn't catch. I asked him what he'd said. He laughed and said (refering to my Scottish accent), "Tha' talks worst than ma!" "Black", "kettle", "pot" and "calling" are some words which spring to mind. And most people think i sound American!
Heading back to the motorway from Sheffield, you pass a church with a crooked spire. I hope you can make it out in the picture. I am pretty sure the spire is meant to be like this.Quite a sight. Does anyone have any information on that Church spire?
Like a few million other people, I didn't make it to work today. At the start of my journey, the snow didn't seem that bad. Headed up the M23 to get onto the M25. Couldn't get onto the M25. Believe there had been a number of jack-knifed lorries which had closed the road completely.
Decided to try using smaller roads. At first this was fine but gradually the tarmac was disappearing under snow and eventually it was getting hard to see where the road actually was. But I still thought I would make it to the job.
Then came to a queue of cars. There was quite a steep hill up ahead, and people were trying, and failing to make it up. It was now about 10:30am and I had been travelling for over 2 hours and had failed to get 20 miles from home. So I turned around and headed home. I ended up playing in the snow with my son, Arran. As you can see he thought it was great fun!


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Paving Study
The New Town Paving Study was jointly commissioned by Edinburgh World Heritage and City of Edinburgh Council, and reflects the ongoing interest in the survival of areas of historic paving, and finding appropriate replacement stone for use in worn or broken areas.
The study has identified the remaining areas of original flagstones, and drawn together the relevant archive sources to establish criteria which will be used to inform decisions on the selection and use of new materials. It will also ensure the preservation of original stones and patterns of laying, such as those on the north side of Charlotte Square.
The information gathered is essential to inform future local policy on the use of new stone for paving in the World Heritage Site. It will also help in the planning future schemes and ensure that routine maintenance is carried out whilst preserving historic areas of paving.
Nick Haynes, IHBC Historic Buildings Consultant, was appointed to research the materials used for the paving laid in the First New Town between 1767 and 1820.
Hailes quarry
Nick said: "Hailes Quarry, to the south-west of the city, appears to have been the principal source of paving stone until the early 19th century. From the outset in 1767 the Town Council was determined that the New Town streets would be properly paved in stone at the expense of the developers and proprietors. As a result there was often a continuity of paving stone between the private entrance steps and basement areas and the public pavement. With the notable exception of the north side of Charlotte Square, very few stone pavements survived the mid 20th century enthusiasm for precast concrete."


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The Guild_Wars_2_Mesmer_Complete_Collection.wmv file you have requested: Media / Videos and Trailers / Official Videos / Guild Wars 2 - Mesmer Class Reveal Trailer - 137.68mb is not available. Perhaps try browsing all files for the game Guild Wars 2 and upload any files you want to share or are missing. This is the only information we could locate:
NCsoft and ArenaNet are excited to reveal additional information on the mesmer, the eighth and final profession for Guild Wars 2, already awarded several most anticipated games for 2012. Introduced in the original Guild Wars, the mesmer has been revamped, reimagined and redesigned for a standalone role in Guild Wars 2. This signature profession celebrates its return to the Guild Wars series by demonstrating an enhanced command of the magic, illusion and sorcery that made the mesmer a profession favorite of the series.
We recommend you return to the download list and browse the links from there. If the problem persists, contact us with the details.


text:
Status: Open
Know more about this business than we do? Cool! Please submit any corrections or missing details you may have.Help us make it right
Be the first YellowBot user to add photos or videos of Resource Center
Your First Contact for Aging, Disability, and Caregiver Options
Resource Center the can be found at 16th St W 1309. The following is offered: Disabled Services. The entry is present with us since Sep 10, 2010 and was last updated on Nov 14, 2013. In Billings there are 3 other Disabled Services. An overview can be found here.
If you don't see your business listed on YellowBot, please add your business listing.
YellowBot wants to get your input! If you have a comment, find a bug or think of something neat we should do, let us know by emailing us.
© 2007-2018 Solfo, Inc. – All rights reserved


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Primarily known for producing delicious, immediately accessible reds and whites, Dry Creek Vineyard's special Cabernet Sauvignon bottling is crafted to rival the best Bordeaux varietal reds hailing from California's North Coast.
One glance at this glass-staining, opaque, purple-black elixir and you know this is going to be a wine of great concentration. The seductive nose continues the promise of the deep color, delivering rich scents crammed full with layered black cherry and plum Christmas fruits, all cloaked with spicy cedar and boot polish notes from French oak. In the mouth, opulent black and blue fruits fulfill the promise. This is still a youthful wine, with furry, fine-grained tannins that coat the palate and suggest a long life ahead. You can enjoy this now, splash decanted an hour ahead and paired paired with a fine steak. Better yet, cellar this red several years to savor more mature, claret-like expressions of the grape.
MSRP: $70 (June 2016)
Wine Lines rating: 92


text: A 26 year-old Brooklyn woman writes, "I love that I'm surrounded by so many smart and ambitious women in New York, but unfortunately that means we're all in competition for the same six manchildren. The dudes on OKCupid (and maybe NYC?) are flaky as hell, and I'm tired of having a few great dates where things click, and then nothing. I sort of suspect that the only way I'll end up in a good long-term relationship is if I leave NYC. I'd be very curious if you two think there's something I could change about my approach or perspective!"


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12 Bold and Outrageous Body Kits for Your Sports Car
Stand out from the crowd with these wild and over-the-top body kits for your car or SUV.
Though arguably an acquired taste, body kits are by far the most dramatic way to alter your car's appearance. Some will be quick to argue that body kits will turn your otherwise civilized transportation into something far too "boy racer" for most adults, but you'll see in our roundup that there are options out there that clearly improve a vehicle's exterior appearance rather than ruin it. From subtle tweaks to night-and-day transformations, here are our favorite body kits for your sports car.


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special session
Hoover school board to hold special meeting early Friday morning
The only item on the agenda is a private executive session. more
Dec 3, 2015 9:04 PM Jon Anderson Schools
State Rep. Faulkner discusses special session
Rep. David Faulkner, who represents Hoover, Homewood and Mountain Brook, will introduce a bill regarding city council pay raises during the legislature's special session on Tuesday. more
Sep 7, 2015 11:44 PM ERICA TECHO News
Upcoming Events


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Belkin Lightning Audio + Charge Rockstar
- الشركة : Belkin
- النوع : Lightning Audio + Charge RockStar حالة التوفر : متوفر
The Lightning Audio + Charge RockStar makes it possible to listen to Lightning Audio while charging your iPhone 7 and iPhone 7 Plus. Enjoy music or talk through Lightning Audio headphones while you charge. Use the RockStar anywhere; at home, at work, in the car or on the go.
Made for: iPhone 7, iPhone 7 Plus, any Lightning device that runs iOS 10 or later
Works with: MFI-certified USB to Lightning cables
Works with: MFI-certified Lightning Audio headphones
Please note: The RockStar delivers power in to your iPhone/iPad, and only supports Lightning Audio. It does not support syncing or any other USB data, or similar protocol like Serial or UART.
The Belkin Lightning Audio + Charge RockStar offers dual functionality for charging and listening to your iPhone or iPad. Whether you want to charge in the car, on the go, or at home, the adapter makes it possible to listen to Lightning Audio and power your iPhone, simultaneously.
Dual functionality
12W pass-through charging powers up your iOS device at maximum speed. So whether you're listening to music or watching videos, using audio navigation, or taking calls while you charge there's nothing slowing you down.
Lightning Audio
The Lightning Audio + Charge RockStar supports Lightning Audio with up to 48 kHz, 24-bit audio output for clear conversations and flawless music playback.
Case compatible
There's no need to remove your iPhone case to connect your Lightning Audio headphones or your charging cable, since the Lightning + Audio Charge RockStar works with most cases.
Listen to music and charge at the same time
Lightning Audio with up to 48 kHz, 24-bit audio output
Supports pass-through charging up to 12W for iPhone and iPad
Compatible with Lightning Audio headphones
Supports remote and mic control
Compatible with Apple Lightning to 3.5 mm Headphone Jack Adapter
Requires iOS 10 or later
Did You Notice?
Works with MFI-certified Lightning Audio headphones.
Apple Recommends For
Charging your iOS device while listening to music wherever you go.
What's in the Box
Belkin Lightning Audio + Charge Rockstar
Quick install guide
Tech Specs
Connections: Lightning
Manufacturer Information
Part Number
UPC or EAN No.: 745883724253
Note: Products sold through this website that do not bear the Apple Brand name are serviced and supported exclusively by their manufacturers in accordance with terms and conditions packaged with the products. Apple's Limited Warranty does not apply to products that are not Apple-branded, even if packaged or sold with Apple products. Please contact the manufacturer directly for technical support and customer service.


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By Steve Outing
Every year, without fail, either in my Editor & Publisher Online column or in one or the other blogs I write or write for, I remind people on January 1 to check the copyright tagline at the bottom of their websites. So many people forget to change it to the current year.
Well, for the first year since I started doing this I not only forgot to remind everyone else on January 1, I also forgot to check this blog. So for the first three days of 2007 my blog was still in the past. In fact, it even said 2005, since a server changeover a couple months ago was troublesome; I not only lost a month's worth of posts, but somehow the copyright footer reverted to 2005 and I didn't notice.
So thanks to Monique VanDusseldorp for pointing out my aggregious error and oversight in not issuing my annual reminder! I'm now back in the present. Are you?…


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Make Things Easier In Your Financial Situation With This Good Employment Advice
Helpful Tips For The Modern Job-seeker
Everyone needs a job for bills, but not everyone has one or knows how to get one either. The more you know about the employment process, the better off you will be. This article will guide you through the process so you can come out of it with a great job.
You should always make certain that you know what the average salary is in your field before accepting a dollar amount for yourself. Most people will put a low salary because they are afraid they can be turned away if they put a better rate. It may also make you appear desperate.
Gear the cover letter towards the skills that you bring to the table. If they said they want someone with leadership skills, mention times you have shown leadership. Look over the job posting thoroughly and then include some skills they want in the cover letter you write.
Research the average salary for your industry so you don't discount yourself while negotiating. Employers use this as a benchmark, typically based on the budget that they have. This can be true if you go overboard, but if you act desperate, then you may end up with low pay that can hurt you for years to come.
Think twice about being really good friends with your bosses and your co-workers. You should keep things professional whenever it comes to your employment. Friendships change the environment and can lead to problems. Stay away from that disastrous scenario so that you do risk your position with the company.
A quality resume can put you ahead of the pack when applying for jobs. Organize your resume so employers can easily get an idea of what kind of background you have. Your resume should include details about your education and work experience as well as your skills and strengths. Highlight any volunteer work that you have done. After writing your resume, look it over to be sure that nothing is missing!
Try not to make friends with your boss and co-workers. This is best for keeping your professional life professional and your personal life personal. When professional relationships extend beyond the workplace, interpersonal conflicts can quickly escalate -- often with disastrous results. Avoid the risk and keep from jeopardizing your position.
Avoid assigning a specific job title to yourself, because job skills can extend across many different types of job titles. Find out online what job titles are like the ones you would like to have. This type of approach provides a wider selection of jobs you can apply for.
Never lie during a job interview. The interviewer may double-check what you say, which can lead to you being disqualified. If you slip through the cracks, you may be under-qualified for what they want you to do. Highlight the strengths that you do have rather than trying to invent new ones.
Make sure you follow a consistent schedule when working. Your employer will appreciate the consistency of a well thought out schedule. When they are aware of what to expect, they will trust you. Make sure you're specific about when you work during the day and when you expect lunch to be. If adjustment is necessary, let your boss know.
If you are seriously in need of money, take an available job in a different field so you can stay afloat while you keep looking. You could work in a restaurant or movie theater, for example.
Searching for a job is what you must do to get into a career that you're going to excel at. Waking up to a job that you love to do is an experience that everyone should eventually achieve. Relax, get ready and find that job!


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If there's one good thing about the 2013 PGA Tour season for Rory McIlroy, it's this: it's almost over.
On Thursday, McIlroy opened play at the BMW Championship in 41st place in the FedEx Cup points standings. With just 30 spots in the Tour Championship up for grabs, he knew he had his work cut out for him, but stranger things have happened every week of the season. A strong showing at Conway Farms could earn him a trip to Atlanta, and give a bit of vindication to an otherwise awful year.
Unfortunately, after an opening-round 78, seven over par, McIlroy finds himself in a tie for 66th place and 15 shots behind leader Brandt Snedeker. His round was marred by four bogeys, a double bogey on the par-3 11th, and a triple bogey 7 on the par-4 first, which opened his back nine. While he wasn't wildly inaccurate off the tee, he struggled to hit greens, reaching only 11 of 18 in regulation.
It's hard to imagine that this is the same McIlroy who started the 2013 season as the hottest commodity in golf. While it hasn't all been bad – McIlroy has five top-ten finishes on the year – he never seemed to be able to hold on to any of the successes he had.
We've heard all the excuses and projecting from onlookers. At the start of the year, it was the switch from Titleist to Nike that caused problems in the young star's game. As time wore on, people started to wonder if McIlroy's relationship with Caroline Wozniacki was preoccupying his mind. At the end of the year, though, all that matters is what happens on the course, and it just hasn't been any good.
For the 24-year-old McIlroy, perhaps it isn't such a bad thing if his season were to end after this week. He'd have to play some miraculous golf over the next three days to climb back into contention, and even then it probably wouldn't be enough.
After this week, he can go home, collect himself and take some time away from the spotlight and pressure to get everything right. Perhaps he might play a few early-season events with the new year-round PGA Tour schedule. Whatever he does, he'll almost certainly come back next year with a renewed fire, and a desire to show everybody that he's still got the game that shot him to No. 1 in the world.
Whatever happens this week, his focus should be on getting comfortable just playing his game once again. If he does that, he'll be back on top before long.
Brandon Raper is a golf writer for RantSports.com. "Like" him on Facebook, follow him on Twitter @Brandon__Raper, and add him to your Google+ network.
2013 BMW Championship: Brandt Snedeker Comes Back Strong To Take Early Lead
BMW Championship Opening Drive: Only The Top 30 Advance To FedEx Cup Playoff Finale


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Downtown Workouts & Bootcamps
Downtown Columbus offers a full schedule of outdoor group workouts, fitness events and bootcamps for the community.
Downtown Columbus has a committed fitness community, and has group workouts, yoga and bootcamps to keep your fitness routine fresh. When you're not in the Om Fitness Club, get outside and check out these opportunities downtown in your neighborhood.
- Join a group with goals to take on your next challenge at Fit Club. The next group onboarding begins August 31st - check it out here.
- Columbus Commons offers seven weekly group fitness classes from yoga to kickboxing to Zumba. Check out the full schedule and register here.
- Scioto Audubon Park has 120 acres of trails for walking, biking and running, and also features a rock climbing wall and obstacle course. Explore the endless possibilities on their website here.
Grab a friend and take on a challenge - because we know we're strong together!


text:
P0033 Diagnostic Trouble Code Discussion for March 2011
Supercharger Bypass Valve Solenoid Control Circuit Malfunction
Note: This is a professional automotive technician's resource.Vehicle Owners: If you are seeking an automotive repair professional to service your vehicle, visit the iATN Repair Shop Finder.
Trouble Ticket Help Requests for DTC P0033
|Help Request
|2007 Audi A4 Quattro 2.0L Excessive Emissions, Poor Idle Quality, Hesitation, Misfire VIN: WAUDF28EX7
P0033: Turbo Bypass Control Circuit. ... the following: P3137 P2004 P0642 P0444 P0033 P0243 P1573 P2400 P2295 P0030. The first 2 codes are relate...
|March 01, 2011


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CTIA 2009: Live Report
0. phoneArena posted on 01 Apr 2009, 04:04
We are at the CTIA 2009 show in Las Vegas, to check out the latest phones announced for all major carriers ...
This is a discussion for a news. To read the whole news, click here
posted on 20 Oct 2010, 01:42 0
1. rehnhart (Posts: 103; Member since: 27 Mar 2009)
You guys are the only ones actually covering this today, all the other sites are MIA. Hope to hear some good Android news, keep it going guys.
posted on 02 Apr 2009, 13:13 0
2. SDAlpha1510 (Posts: 6; Member since: 09 Feb 2009)
I noticed that as well. I am really hoping for some Verizon phones to show up. Coverages is great, keep it up.
posted on 02 Apr 2009, 18:30 0
3. rehnhart (Posts: 103; Member since: 27 Mar 2009)
Yeah, come on Big Red, show us something new besides your "new" app store and The Hub. I'm looking for some new phones.
Comments for : CTIA 2009: Live Report


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DECOL is abbreviation of Digital Experience Collective.
It works as an Digital Arts Cooperative which digital artists are the stockholders or employees. It's also a non-profit organization and doesn't operate like an advertisement agency.
DECOL's operation model is based on cooperation among digital artists. Its creative intellect is contagious and causes extraordinary digital experiences for carriers.
DECOL is the 'new media organism' which crossbreeds digital arts with its own gene pool.
We are calling the following as "Digital Art Genes";
- Graphics Design
- Motion Picture
- 2D Animation
- 3D Animation
- 3D Modelling
- Data Visualisation
- Video Installation
- Live Audio/Visual Performances
- Interactive Installation Designs
- Sound design
DECOL organism inhabited some physical space in Istanbul and Izmir for individual media artists, in order to give them the chance to collaborate and produce their unique designs freely and independently.
Now it's becoming an outbreak!
Creating and Producing digital concepts
Performing live audio/visuals
Producing digital interactive products
Designs, manages and allocates equipments for digital art exhibitions and music events,
Designing and allocating resources for cultural media projects.
Art Projects & Exhibitions
Streets, buildings, avenues
Festivals and events
Corporate Meetings
Presenting digital experiences
Helping to produce interactive products
Adaptation to new digital experiences
Uniting business partners with artists
Ability to create direct connection with the audience


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Collene Campbell, 75, San Juan Capistrano's first woman mayor, has been appointed by Gov. Schwarzenegger to the Corrections Standards Authority (CSA). The CSA (formerly named the Board of Corrections) develops and maintains standards for the construction and operation of state and local jails.
Campbell, the former mayor of San Juan Capistrano, is the sister of murdered auto racing legend Mickey Thompson, whose killer was brought to justice nearly 20 years after the murder.
Campbell's only son was killed at 27 during a botched drug deal.
Following these experiences, Campbell became an advocate of violent crime victims.
Campbell, a Republican, is the founder of Memory of Victims Everywhere, an organization she has served as president since 1989.
She is also founder and National Chair of Force 100, a group that seeks an amendment to the U.S. Constitution to secure rights for victims of violent crimes.
Campbell was honored by the governor in April as part of Crime Victims' Rights Week, which the governor proclaimed for April 13-19.
"We never want any families to endure the inequities in the justice system that we've been forced to endure," Campbell said after the awards ceremony.
From 1992 to 2002, Campbell served on the San Juan Capistrano City Council and was the first female mayor of the city from 1993 to 1994. She served as mayor once again from 1999 to 2000.
From 1988 to 1994, Campbell served as chair of the Mickey Thompson Entertainment Group and, from 1964 to 1984, was president and chief executive officer of Rapid Pace Incorporated, a California-based motor racing marketing company.
From 1983 to 1986, she was co-chair of the Crime Victims Justice Reform Act.
Campbell serves on the Board for the U.S. Dept. of Justice National Institute of Corrections and is on the California Peace Officer Standards and Training Commission. This position requires Senate confirmation and there is no salary.
Contact the writer: email@example.com or 949-454-7329


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Product or Service
Artichoke Extract
Profile:Manufacturer - Producer|Ref:PSL207405YH | Country: China | Currency: usd | Export: No
Artichoke Extract
Latin Name: Cynara scolymus L.
Synonyms: Cynara scolymus extract; Hathi-choka extract.
CAS No.: 84012-14-6.
Description: Artichoke extract is made from the long, deeply serrated basal leaves of the artichoke plant. Artichoke is a perennial thistle of the Cynara genus originating in Southern Europe around the Mediterranean.
1. Increasing bile secretion and law constipation, diarrhea, nausea, and vomiting;
2. Preventing arteriosclerosis, and protect heart blood:
3. Playing an important role in relieving vascular purpura;
4. It can used for treatments of chronic hepatitis, reducing cholesterol and indigestion diseases, improving gastrointestinal function;
5. Anti Hepatic toxicity, choleretic agents, anti-high blood lipids (serum cholesterol);
6. With considerable effects on the malignant cells;
7. Always eating can be quite helpful for prevention of cardiovascular diseases, natural beauty.
Active Ingredient: Artichokes edible contains a variety of cherry of nutrients, and protein, calcium, phosphorus content is higher, moreover also contain more chrysanthemum sugar (roots content is higher). Artichokes acid, chlorogenic acid polyphenols, flavonoids functional compounds, exists not only in cherry, leaf in higher content.
Molecular Formula: C25H24O12.
Molecular Weight: 516.45.
Part Used: Leaf.
Appearance: Brown powder.
Melting Point: 227-228℃.
Test Method: HPLC.
Specification: 10:1; Cynarin 2%; 3%; 5%.
Contact the company


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This could be the biggest weekend in Cagayan de Oro as Centrio – an Ayala Mall brings the biggest stars in CDO for a weekend every Kagayanons will remember.
On May 12 – Friday – Jump start the weekend with your favorite Hashtags heartthrobs, Paulo Angeles, Jon Lucas, Tom Doromal, Ryle Santiago and Mccoy de Leon at the Activity Center. Hashtags are dubbed as the Kilig Ambassadors and It's Showtime main stay.
ASAP will also be LIVE on May 13, 5 PM, Saturday at Centrio Mall. Catch the biggest artist in the country like Darren Espanto, Alora Sasam, Klarisse de Guzman, Jason Dy, Daryl Ong and Angeline Quinto.
Cap the weekend as the PBB Teens will be LIVE at Centrio Mall on Mother's Day, May 14, Sunday. Catch your favorite Kapamilya Love Teams Kisses Delavin and Marco Gallo; Edward Barber and CDO's very own Maymay Entrata – PBB Lucky Big Winner.
Did you find this post helpful? Feel free to share it.
WOWCDO.com is an award-winning Top CDO blog site that aims share the good stories, worth attending events, appetizing food options, must-go places and local personalities from the City of Golden Friendship. Remember, we share ONLY the WOW part of CDO!
Let's talk, contact us here or email firstname.lastname@example.com.


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We love spotlighting our wonderful clients, especially for Women's History Month! This week we are telling you about the accomplishments of our lovely client Kelly Johnson.
Kelly is an owner and principal consultant at Velatrio, LLC, which was founded by a three women in the hi-tech industry. Velatrio, provides business planning and marketing for tech companies based in the Northwest. Velatrio grants professional women a work/life balance, while providing meaningful roles where they can use their education and experience to make great contributions to businesses and organizations. Kelly is a seasoned marketing professional with vast experience in positioning, launch planning and execution, go-to-market campaign development, brand building, and product management for business-to-business to customer products and services in the hi-tech industry.
Before joining Velatrio, Kelly honed her craft by working for Microsoft Corporation for 13 years. There she took on many diverse strategic marketing and planning roles – mostly in the Windows and Developer/Partner Evangelism organizations. Her main roles included building programs to create C-level Information Technology customer advocates, server, platform and cloud competitive positioning, driving infrastructure business value initiatives, and building field and partner training programs.
Kelly's number one tip for other female entrepreneurs is to maintain and forge great relationships.
"Forging great relationships is so important with clients, candidates, employees, and your community. Business can ebb and flow, but your connections to people both professional and personal can level out the bumps along the way and keep you relevant no matter the circumstances."
One of Kelly's role models is her grandmother, a strong woman who grew up on a farm and lived through the great depression. As a young woman during the great depression, she traveled to California alone and found a job (a big deal for a farm girl in the 1930's). "She was a WWII wife, an excellent mom, an outstanding grandmother, and an amazingly strong person." She lived just shy of 100 years old and worked as a bookkeeper up until her mid 80's!
Kelly clearly took after her grandmother when it came to her strength. Not only does her business track record prove her determination, but her entire aura boasted this during our photo session with her. She has brains, personality, style, wit, and beauty and is the perfect role model for any woman running her own business. We love meeting these empowering women and learning their stories, especially hearing about the other inspiring women before who raised them! #womenempowerwomen
If you are ready to produce an image that shows your best self and conveys your authentic brand.
Book a Call with Los Angeles Professional Brand Photographer Sandy Grigsby.


text: Oh man! Ad-blocking software has been detected! :'( This website is run by the community, for the community... and it needs advertisements in order to keep running. Blocking our ads means your killing our stats! Please disable your ad-block, or become a premium member to hide all advertisements and this notice. Hi just passed my MCP and i was trying to access the MCP site but i am confused to which you put in the MCPID and Access code the cert codes i got does not seem to work


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ATLANTA -- Jaret Wright couldn't get much lower: Waived by a last-place team, he stood outside Houston's Minute Maid Park with his luggage stacked beside him, waiting for a cab that would take him to the airport.
As it turned out, things were starting to look up.
Wright was claimed by the Atlanta Braves, who remembered when he was a 21-year-old phenom starting the deciding game of the 1997 World Series, before injuries sent his career into a tailspin.
Just over a year later, Wright has come full circle. The
right-hander will start Game 1 of the NL playoffs against Roger Clemens and the Houston Astros.
"It happened a lot quicker than I thought it would," Wright
said Tuesday on the eve of the opening game at Turner Field.
Wright pitched well enough over the final month last season to
earn a spot on the playoff roster as a reliever. Heading into
spring training, he asked for a chance to start again and claimed
the final spot in the rotation.
As the season went along, it became clear that Wright was
Atlanta's best starter. He finished 15-8 with a 3.28 ERA -- moving
to the top of the rotation in the best-of-five division series.
He'll go against a future Hall of Famer on Wednesday.
The 42-year-old Clemens, who called off retirement to pitch for
the Astros, had another remarkable season (18-4, 2.98) and is one
of the leading contenders for the NL Cy Young award.
"He's done a lot of stuff in the game that's amazing," Wright
said. "To have my name called in Game 1 and go up against him,
it's an honor. I'm up for it. He's going to battle. I'm going to
battle just as hard."
Clemens couldn't pitch the final game of the regular season when stricken by a stomach virus.
The Astros won anyway, capping a remarkable run (36-10) over the final seven weeks that was good enough to claim the wild card by
one game over San Francisco.
Now, Clemens is available to start the playoffs. He threw some
with his oldest son on Monday, felt better on Tuesday and knows
he'll be well enough to pitch Game 1.
"However I feel, I'm going to make the most of it," Clemens
said after the Astros arrived at Turner Field for an afternoon
workout. "I've pitched with different aches and pains throughout
the years."
The Astros seem to have a huge advantage on the mound for the
opener. Clemens is a six-time Cy Young winner with 328 wins on his
resume. Wright's career record is just 52-45.
Then again, the 28-year-old right-hander knows a thing or two
about pitching in pressure situations. As a rookie for the
Cleveland Indians in 1997, Wright beat the New York Yankees twice
in the division series and was the second-youngest pitcher ever to
start to start Game 7 of the World Series.
He shut out the Florida Marlins for six innings, but came out
after giving up a homer to Bobby Bonilla that cut Cleveland's lead
to 2-1. Wright watched in dismay as Cleveland's bullpen gave up the
tying run in the ninth, then the series-deciding run in the 11th.
Wright rarely tunes in for replays of that painful loss.
"I've caught glimpses of it," he said. "It's kind of a weird
feeling. You get butterflies a little bit all over again watching
it. I probably would have watched it 50 times over if we had won."
Then came the injuries. After two shoulder operations and seven
stints on the disabled list, the Indians gave up on Wright. He
signed with San Diego before last season but went 1-4 with an 8.74
ERA in a mop-up role. By late August, the Padres threw in the
towel, too.
The team was in Houston -- of all places -- when the Braves
claimed Wright off waivers.
"When he joined our ballclub, we gave him one inning at a time
in important situations," Braves manager Bobby Cox said. "And he
pitched well for us right away."
Wright had been obsessed with proving he still had the same zip
on his pitches after all the injuries. Cox and pitching coach Leo
Mazzone were more concerned with where the pitches went than what
they registered on the radar gun.
"My arm felt good. It was just location," Wright said. "The
biggest thing we worked on when I got over here was throwing it to
where you wanted it, instead of throwing 110 percent and not
knowing where it's going."
Wright's teammates say he's a better pitcher now than he was
before all the injuries.
"When there's an injury to a pitcher, it makes him learn how to
pitch," Chipper Jones said.
"He was so young in 1997. He was a fire-balling flame-thrower
who just reared back and said, 'Here it comes.' He's learned to
move it around. He can change speeds a little better. In the long
run, that makes him a better pitcher as opposed to a thrower."


text:
Historical Whodunits
1956 · New York
by WILLIAMSON, Hugh Ross
New York: Macmillan, 1956. Very Good/Very Good. Second edition. Very good in an about Very good dustwrapper. Corners slightly rubbed and bent. Dustwrapper brown and shelf rubbed. Edges of dustwrapper worn and torn. Please Note: This book has been transferred to Between the Covers from another database and might not be described to our usual standards. Please inquire for more detailed condition information. (Inventory #: 160292)


text:
Traveling Luck for Innelv, Troms, Norway
Where is Innelv?What's around Innelv?
Wikipedia near Innelv
Where to stay near Innelv
Also known as Innelva
The timezone in Innelv is Europe/Oslo
Sunrise at 10:20 and Sunset at 13:36. It's Dark
Latitude. 69.6900°, Longitude. 18.7372°
Weather near Innelv; Report from Tromso / Langnes, 7.3km away
Weather :
Temperature: -11°C / 12°F
Wind: 1.2km/h
Cloud: Few at 900ft
Weather :
Temperature: -11°C / 12°F
Wind: 1.2km/h
Cloud: Few at 900ft
Satellite map around Innelv
Loading map of Innelv and it's surroudings
Geographic features & Photographs around Innelv, in Troms, Norway
- farm;
- a tract of land with associated buildings devoted to agriculture.
- point;
- a tapering piece of land projecting into a body of water, less prominent than a cape.
- Pisternes (1.4km)
- Eidjordneset (3.1km)
- Grunnes (4.5km)
- Perneset (5.4km)
- Isbergneset (6.5km)
- Stokkvikneset (6.5km)
- Slettneset (6.8km)
- Moldvikneset (7.4km)
- Giæverneset (7.6km)
- Sandneset (7.9km)
- farms;
- tracts of land with associated buildings devoted to agriculture.
- Vikkersnes (2.8km)
- Bjørnsletta (4km)
- Sussannajorda (4.2km)
- Fossmo (4.6km)
- Selnes (5.9km)
- Blåmannsvik (6km)
- mountain;
- an elevation standing high above the surrounding area with small summit area, steep slopes and local relief of 300m or more.
- Prestbergan (2.5km)
- Finnlandsfjellet (4.4km)
- Litlefjell (5.2km)
- Finnlandsfjellet (5.5km)
- Store Blåmann (7.7km)
Accommodation around Innelv
- reef(s);
- a surface-navigation hazard composed of consolidated material.
- Småseibåen (5.1km)
- Skarvegrunnen (5.8km)
- Grindøyskarven (6.9km)
- island;
- a tract of land, smaller than a continent, surrounded by water at high water.
- Håkøya (4.5km)
- Lille Grindøya (7.2km)
- Fiskøya (7.7km)
- bay;
- a coastal indentation between two capes or headlands, larger than a cove but smaller than a gulf.
- Kjosen (0.3km)
- Sørbotn (5.6km)
- Arngambukta (6.9km)
- area;
- a tract of land without homogeneous character or boundaries.
- Gamkroken (3.2km)
- airport;
- a place where aircraft regularly land and take off, with runways, navigational aids, and major facilities for the commercial handling of passengers and cargo.
- Tromso / Langnes (7.2km)
- cove(s);
- a small coastal indentation, smaller than a bay.
- Nordbotn (3.7km)
- marine channel;
- that part of a body of water deep enough for navigation through an area otherwise not suitable.
- Sandnessundet (7.9km)
- peak;
- a pointed elevation atop a mountain, ridge, or other hypsographic feature.
- Kjølen (5.6km)
Wikipedia entries close to
- Ersfjordbotn city city o
- Tirpitz (Schlachtschiff) landmark military
- Tromsø Airport, Langnes airport airport
- Tromsø city city l
- Tromsøya isle isle
- Tromsø University Museum
- Arctic-alpine botanic garden museum
- Tromsdalen city city o
- Sandbakken city city o
- Ringvassøy isle isle
- Hansnes city city o
- Lenvik city city l
- Gibostad city city o
- Balsfjord city city l
- Lyngen city city l
- Karlsøy city city l
Airports close to Innelv
Tromso(TOS), Tromso, Norway (7.3km)
Bardufoss(BDU), Bardufoss, Norway (73.1km)
Sorkjosen(SOJ), Sorkjosen, Norway (88.8km)
Andoya(ANX), Andoya, Norway (113.6km)
Hasvik(HAA), Hasvik, Norway (160.8km)
Airfields or small airports close to Innelv
Kalixfors, Kalixfors, Sweden (229.9km)
Photos provided by Panoramio are under the copyright of their owners.


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Black mold is a type of fungus that grows in damp, poorly ventilated areas. This fungus is frequently seen growing in bathrooms and can cause several health problems, including respiratory problems, cold-like symptoms, skin irritation, eye irritation, and asthma attacks. If left alone for too long, you may even end up developing an allergy. This is why it is so important to remove black mold from your bathroom tile.
What Causes the Black Mold on Your Bathroom Tile?
Molds spread by producing microscopic spores. These spores travel through the air until they find a damp area to grow. Most of the time, this isn't a problem. Unfortunately, when these spores land on your damp shower tile, they can begin to grow inside your home.
Before removing this fungus, you need to determine why it grew. Is there a leak in your bathroom that is feeding the fungus? Is the room not ventilated properly? Determine wear the excess moisture is coming from and fix the problem before attacking the fungus. If you fail to fix the source of the problem, the fungus will keep on coming back.
Tools You Need for Black Mold Removal
Before cleaning your bathroom tile, you will need:
- Paper towels or old rags
- Gloves
- Trash bags
- Bleach
- Ammonia-free household cleaner
- Spray bottle
- Scrubbing brush
- Large plastic sheet
- Tape
- Gloves
- Goggles
- Dehumidifier
- HEPA, or High-Efficiency Particulate Air, vacuum
A HEPA vacuum is an extremely effective vacuum that eliminates microscopic spores and other particles. You want to make sure that you get rid of all of the spores so the mold doesn't grow back. To find out where you can rent this equipment, call the Local Health Department. If you can't find a HEPA vacuum, refrain from using a regular vacuum. Most household vacuums will just blow the spores around, which can make the problem worse.
Once you have organized your supplies, mix one ounce of bleach into two cups of water. Pour the solution into one of the spray bottles.
Prepare the bathroom by closing the door and taping the plastic over the door. Make sure that the door jam is completely covered. This will keep the mold spores from spreading to other rooms while you clean. Also turn on the dehumidifier. This will eliminate moisture in the air throughout and after the cleaning process. Once this is done, you are ready to start cleaning your tile.
Remove Mold on Bathroom Tile in 6 Steps
Step 1: Remove black mold by spraying household cleaner on the area. Scrub until you have removed the visible fungus. Wipe away the grime and place the towels in a trash bag. Repeat as necessary.
Step 2: Once you have removed the visible black mold, spray the bleach solution on the area. Let the solution sit for about 15 minutes. Bleach is a fungicide and will help to kill any remaining microorganisms.
Step 3: Wipe away bleach solution and place towels in a trash bag. Make sure to tightly close the bag after filling it with infected towels.
Step 4: Pat the entire area dry. The dehumidifier will also help eliminate moisture. Do not use a fan, as this may spread mould spores.
Step 5: Once the tile is dry, use the HEPA vacuum on the tile. Vacuum each square foot of tile for about one minute.
Step 6: Immediately after finishing, place the vacuum bag into a trash bag.
How to Prevent Future Mold from Forming
Once you are done cleaning your tile, change and wash the clothes you used. Also wash your cleaning supplies and dispose of the trash bags. Once the area is clean and dry, you will need to make sure that it stays that way.
Every time you take a shower, spend a minute wiping down the tile. Also refrain from throwing moist towels or clothes where fungus may grow. After taking a shower, open a window or put on the bathroom fan to keep air circulating. It can be difficult to keep bathroom tile dry. If your bathroom is constantly humid, keep a dehumidifier in the room.
Warnings to Keep in Mind
When cleaning your bathroom tile, make sure not to mix bleach with a cleaner that contains ammonia. This may produce a toxic gas that can be extremely dangerous, especially since you will be sealing yourself in the bathroom as you clean.
Also make sure to use your gloves and goggles. If you are cleaning a large amount of black mold, you may even want to get a mask. You do not want to overexposure yourself to spores while cleaning. Fortunately, when following these steps, it is possible to remove black mold and keep it from growing on bathroom tile in the future.


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Here's an easy-to-understand description of "mortgage rates and points".
The interest rate determines the monthly interest payments over the lifetime of the loan. A "point" or "discount point" is equivalent to 1% of the loan amount and usually reduces or "discounts" the loan rate by an eighth of a percentage point.
For Example:
You want to get a loan for $100,000 to buy a home. Each "point" would cost you 1% of $100,000 or $1,000 but would reduce your loan's interest rate by .125%. The lender might offer you an 8.0% loan with zero points, a 7.875% loan with one point, or a 7.75% loan with 2 points.
Points, like the down payment, are paid at closing. In some cases, lenders will allow borrowers to finance the points over the term of the loan. Lenders sometimes use points to make their interest rates appear lower. Be aware that lower interest rate offered by a lender may translate into higher points requirements.
For consistently low rates and points, contact eastmortgage!
Posts Tagged 'Loan'
Here's an easy-to-understand description of "mortgage rates and points".
What happens if you go through a tough financial period and you find yourself behind on your mortgage payments for your home?
If you are missing mortgage payments and are having difficulty paying, this can become a serious problem. Even just one missed payment can be difficult to catch up on, and if you are in this situation it is important to get help right away.
Contact Your Lender
The first step in this circumstance should be to get in touch with your mortgage lender to explain the situation. Simply leaving things alone and not explaining why you have missed a payment will just make things worse.
When people are struggling financially, they avoid calling their creditors for as long as they can. This is usually the wrong strategy to have if you want to make sure that you keep your home.
When you speak to the lender, you can explain why your payment is overdue. For example, perhaps you were laid off from your job or you have been sick and unable to work. If you have a good payment history and you are the one to initiate contact, the lender may be more likely to consider options for you to repay the mortgage.
Consider All Of Your Options
Is there a relative or a friend who could lend you enough money to pay off your missed mortgage payment? Could borrow from your insurance policy? Is there a way you can sell something that you are not using or cut back on other expenses?
Perhaps you could work a part time job on the side to earn more money. There are a number of ways that you could come up with the extra cash and make the mortgage payment.
However, be careful with payday loan companies or other short term lenders, as they may charge extremely high interest that can make it even more difficult to get out of debt later.
Loan Modification
In some circumstances, you might be able to arrange with your loan servicer to permanently change one or more of the terms of your mortgage contract so that your mortgage payments will be more manageable for you.
This could include reducing your interest rate, adding the missed payments to the loan balance or extending the term of the loan. A loan modification can be a good idea if you are facing a reduction in your income that will last for an extended period.
If you are struggling financially and you have missed a mortgage payment, don't panic. Instead, follow these steps to make sure that you deal with the situation well and get back on track.
To find out more about getting a mortgage on your home, contact your trusted mortgage professional today.
Building and Maintaining a Great Credit Profile
Your credit report represents how well you manage your financial responsibilities. The good news is that your negative information drops off over time but the positive information remains. Building a strong and consistent history of responsibly using credit is the foundation to building a great credit profile. Although it's relatively easy to gain access to new credit such as credit cards, there are many best practices to use and common traps to avoid. Here are a few easy tips for effectively building your credit history.
Applying for new credit
- Don't apply every time you see an offer. Getting too much credit too quickly can hurt your credit profile.
- Don't build your credit profile through trial and error. Consult an expert such as a credit coach to develop a plan based on your short- and long-term needs.
- Print clearly when applying for credit. If your application information is entered inaccurately it can create variations of reported information on your credit report.
- Consistently use your complete name without any variations. Providing complete, accurate and consistent identification on your credit applications helps set up your credit history correctly from the beginning. It also minimizes the chance that your credit file will be incomplete or mixed with another consumer's file.
Once you have credit
- Pay your bills on time. Most lenders look at the most recent information on a report. So if you've paid your accounts on time for the last two to three years, the lender may weigh that more heavily than a series of late payments from five years ago.
- Set up a budget, and follow it. This is so much easier said than done! A credit coach can help provide you guidance on creating and managing a budget based on current income and debt as well as your short- and long-term credit needs. In the age of self-help and empowerment, managing your finances should top your list. The key is not to over-extend yourself.
- Develop and follow a plan for the type of credit you have, how you use it, and the type of credit you may need in the near future.
- Review your credit report periodically throughout each year.
- At least 60 to 90 days before making a major purchase (such as a home, car or large household goods) you should prepare by reviewing your credit profile to help ensure it is optimized.
- Continual evaluation of your credit profile is necessary to ensure you are not paying unnecessary interest expenses (i.e., you could qualify for lower rates and better terms). The average homeowners spend an estimated $300,000 in their lifetimes on unnecessary interest expenses.
- Ensure no fraudulent or erroneous activity has occurred related to credit profile. An estimated one in eleven families was a victim of identity theft last year.
Getting help
A personal credit coach can be incredibly valuable whether you understand credit or not. Having a credit coach is similar to an asset manager except it's for your liabilities. A coach will work closely with you to explain your credit profile, provide you guidance with ways you can more effectively manage it, and can help you evaluate it on an ongoing basis. Changes continually occur for all of us. Jobs change, unforeseen expenses happen and so on. If you begin to fall behind on your payments.
- Contact your lenders. Ignoring the situation will only add to your problems. Many lenders will work with you to set up a different payment schedule or interest rate. It never hurts to ask.
- Pay your bills when they're due. If you have an overdue bill, unpaid debt, tax lien or judgment, pay it off. You may find it easier to pay one affordable consolidation loan rather than several separate accounts. Your credit coach can help identify what options may be available to you.
- Stop using credit, if possible, until your finances are under control. Consider going to cash purchases only based on your budget. This will STOP the financial bleeding while you pull your credit management plan back into place.
- Look to professionals like the ApprovalGUARD Service. Your credit coach is experienced in explaining your credit and indentifying ways to optimize and manage debt.
- AVOID credit repair agencies. "If it's too good to be true then it often is!" Most credit repair agencies typically charge you high prices to artificially "fix" your credit. This unfortunately often amounts to "band aid" work that manipulates loopholes in the system and often results in the credit issue returning to your credit report within months after it was supposedly fixed. If you have inaccurate information on your report, your ApprovalGUARD credit coach can help you identify it and specifically provide you with the proper methods for getting it addressed.
It's important to note that The Credit Repair Organization Act is a federal law that prohibits credit repair clinics from taking a consumer's money until they have fully completed the services they promised. It also requires such firms to provide consumers with a written contract stating all the services to be provided and the terms and conditions of payment. Consumers also have three days to withdraw from the contract.
The ApprovalGUARD Service – Is the first and only service of its kind. Each ApprovalGUARD customer is assigned a personal credit coach to help them understand, evaluate and optimize their credit and debt profiles. The ApprovalGUARD Service additionally provides each Full Service customer with credit reports, credit scores, continual informative credit tips and education, and tools to more effectively manage and analyze their credit and debt profiles. Go to www.ApprovalGUARD.com and use the promotion code: REMAX1 for your free 30 day, no obligation trial.
Related articles
- Common Credit Repair Mistakes (and How to Avoid Them) (lexingtonlaw.com)
- Essentials to getting Credit Repair Help (pro2sell.com)
4 Tips for Buying Your First Home Together
Buying your first home with your partner/spouse.
Consider these tips when buying your first home together:
1. Browse together and often.
When buying your first home, it's almost impossible to spend too much time browsing together. Visit as many open houses and home tours as possible. Pore over listings on the internet. Figure out what each of you can and can't live without in your next home.
It's vital to discuss your preferences often. Try this exercise: Pick a room in your future home and separately make a list of your "must-haves" for that room. Compare your lists and talk about the similarities and differences. Figure out what compromises can be made so that you'll both be satisfied homebuyers.
Most importantly: Be honest. Don't hide your true feelings and preferences. If you've changed your mind about wanting a huge backyard, say so. Most homebuyers these days stay in their homes for nine years. You want those nine years to be comfortable and enjoyable, right?
2. Consider credit issues for BOTH of you.
Your bills are always paid on time. Your credit score soars in the upper echelon. How did you fall in love with someone with bad credit?
All VA loan borrowers and co-borrowers will be under close credit scrutiny by a lender. Credit scores for both borrowers have to measure up to the 620 minimum. Income, employment and debts for all borrowers will be analyzed.
If your spouse lags far behind you in creditworthiness, you might consider obtaining a loan in your name alone. This action involves some legal consequences that vary from state to state, so make sure to get a real estate attorney's advice before proceeding.
3. Don't overspend.
Buying your first home with your partner/spouse can be the most thrilling time of your life. You picture dogs rambling in your first backyard and kids pedaling bikes down the driveway.
Somewhere along the line, budgeting tumbles to the bottom of the priority list.
Don't let a home bankrupt your family. Determine the mortgage payment that you can comfortably make each month and stick to that figure. Keep in mind that as a homeowner, you're responsible for repairs and maintenance, which can also be costly. Maintain a reserve fund for repairs and keep a few months of mortgage payments stashed away in case of emergency.
4. Have fun!
If you and your spouse are not shopaholics by nature, you may need a little motivation to get your house hunt started. Pack a picnic basket full of goodies to enjoy during a day of house tours. Splurge on a dark chocolate mocha for your next meeting with your agent. Post pictures of your home tours online and ask your friends and family for feedback. Enjoying your time together is key to both a successful relationship and a successful house hunt!
Visit our website to start your home search today:
Related articles
- A strong credit score can get you a better mortgage rate (freedommortgage.com)
- How Do I Build Credit Without a Credit Card? [Ask Lifehacker] (lifehacker.com)
- Can I Buy A House Without Perfect Credit? (spgtalk.wordpress.com)


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www.bankrate.com/calculators/home-equity/additional-mortgage-payment-calculator.aspx – If you want to get a better understanding of your outstanding mortgage in the future or the impact of paying down your mortgage with an extra $100 or so a month, use this online mortgage calculator. After you enter all the pertinent information regarding your mortgage, you can generate an amortization table that will show the remaining loan principal/outstanding mortgage by year.
www.kbb.com – Get an estimate of the book value of your car which will help you understand what to expect if you are looking to sell or trade in your vehicle or if it makes sense to continue carrying collision insurance if your vehicle is worth less than the deductible.
www.healthcarebluebook.com – If you want to know the going rate for various medical services which will help you know the cost before making phone calls looking for the best rate.
www.creditcards.org/cash-back-cards – A great website to start your search for a rewards credit card. This site ranks the best cash-back rewards offerings and gives you a direct link to the offering company, so you can apply online or get additional information.
www.mint.com – Want to manage your personal finances with one online tool? This application can link up to your bank, credit card, and even your investment accounts and perform daily downloads so you have current data as to where you stand on all financial fronts.
www.debt.org – Debt.org is America's Debt Help Organization, serving the public with thorough and accessible information on financial well-being. They strive to help people in all stages of life, from college, through buying or selling a home, and into retirement. The content and services on Debt.org are designed for anyone who wants a sound financial future, wants to get out of debt or wants to stay out of debt.