text:
State Small Business Credit Initiative Regulatory Q&A
Will participation in an SSBCI program result in greater regulatory scrutiny?
In response to an inquiry from Governor Pat Quinn of Illinois, John C. Lyons Jr., Senior Deputy Comptroller for Bank Supervision Policy and Chief National Bank Examiner, explained how the Office of the Comptroller of the Currency (OCC) views loans made through a State Small Business Credit Initiative (SSBCI) program. In his letter, which is available on OCC.gov, Mr. Lyons states that a bank's participation in an SSBCI program does not in itself subject the bank to increased supervisory scrutiny.
He also noted that national banks and federal savings associations (collectively, banks) should maintain good lending practices and ensure that their participation in the SSBCI or similar programs is consistent with and supports their institutions' overall strategic goals and objectives. Examiners consider and evaluate this due diligence process as part of their normal safety and soundness examinations.
What considerations should a bank have when participating in a new public credit enhancement program?
Banks participating in any public credit enhancement program need to make sure they effectively implement the program and comply with all of the necessary public regulations, so that the credit enhancements are honored if there are any problems with the loan.
Can a bank with an enforcement action participate in an SSBCI program?
States are responsible for determining the criteria for participation. States developing criteria for lender participation need to determine their risk tolerance for participation in SSBCI programs.
Formal enforcement actions are one component of publicly available data that states may use to assess a bank's financial and managerial capacity. The presence of a formal enforcement action, however, may not be the only indicator of an institution's capacity to engage in small-business lending or to participate in a public credit enhancement program. It is advisable to review more than one indicator when making a determination of a lender's financial and managerial capacity.
Banks with enforcement actions that are considering participation in the SSBCI should inform their OCC Assistant Deputy Comptroller of their plans. Small-business lending must be part of the bank's approved business plan, and the bank must have the financial and managerial capacity to make safe and sound loans and comply with the appropriate regulations.
What is an enforcement action?
The OCC Report of Examination (ROE) documents findings and conclusions with respect to its supervisory review of the bank. The ROE is the OCC's primary method for supervisory communications to the bank regarding the bank's condition.
An enforcement action is a tool the OCC uses to communicate problems or weaknesses to, and require corrective measures by, a bank's senior management and board of directors. Once problems or weaknesses are identified and communicated to the bank, the bank's senior management and board of directors are expected to promptly correct them. Whenever possible, OCC enforcement actions should deal with problems or weaknesses at an early stage, before they develop into more serious supervisory issues or adversely affect a bank's performance and viability. This may mean taking action before problems or weaknesses are reflected in a bank's financial condition.
OCC enforcement actions can be considered in two broad categories, informal and formal. Informal actions are used when the bank's overall condition is sound but it is necessary to obtain written commitments from the bank's board of directors to ensure identified problems and weaknesses will be corrected. Informal enforcement actions are not publicly disclosed.
Unlike most informal actions, formal enforcement actions are authorized—and sometimes mandated—by statute. Formal enforcement actions are enforceable, disclosed to the public, and generally more severe than informal actions. The OCC uses a wide variety of formal enforcement actions to support its supervisory objectives.
Informal enforcement actions include commitment letters, memorandums of understanding, and approved safety and soundness plans. Formal actions against a bank include orders and formal written agreements within the meaning of 12 USC 1818(b), capital directives under 12 USC 3907, "Prompt Corrective Action" (PCA) directives under 12 USC 1831(o), and safety and soundness orders under 12 USC 1831(p)(1).
Can funds held in a Collateral Support Program account or Capital Access Program reserve account be recognized as part of a bank's or lender's allowance for loan and lease losses?
In Collateral Support Programs (CSP), the state opens a cash collateral account at the lender in the amount of the SSBCI collateral support. In the event of default, there is an agreement on how these funds can be drawn by the lender. If the loan is repaid, the funds are paid back to the state.
In a Capital Access Program (CAP), when a participating lender originates a loan, the lender and borrower combine to contribute a percentage of the loan or line of credit, from 2 percent to 7 percent, into a reserve fund held by the lender. Typically the account monies are held in a deposit account on the bank's books. The state matches the lender's and borrower's combined contribution and sends the state contribution to the lender-held reserve account. Each lender's total CAP reserve fund is available as cash collateral to cover losses on all loans in the lender's CAP portfolio. Participating loans are originated and serviced by the lender, and the lender may make claims to withdraw from the reserve for losses incurred in the case of a default.
Because funds in the CSP account or CAP reserve account are owned and controlled by a third party, these funds are considered an encumbered asset of the bank and therefore cannot be considered part of the allowance for loan and lease losses (ALLL). Reserve pools and the related guarantees should, however, be disclosed in a footnote in the financial statements.
Are funds held in a CSP account or CAP reserve account considered when a bank or examiner is assessing the adequacy of the amount reserved for loans held in these portfolios?
A cash collateral account for a CSP or a reserve fund account for a CAP reduces credit risk rather than enhancing the ALLL. A CSP provides pledged collateral accounts to lending institutions to enhance collateral coverage of individual loans. Because the funds in the collateral support account serve as collateral for the loan, these funds may be included as collateral along with other collateral held as security for a loan when measuring impairment.
A CAP establishes a loss reserve pool to cover loan losses that may be incurred in a group of loans. All of the CAP premiums are held in a single, pooled reserve account, with the state retaining ownership or co-ownership of the account. The bank recovers CAP loan losses by offsetting against the CAP reserve fund it holds. The bank itself must absorb any losses over its accumulated CAP reserve fund.
These reserve pools act as insurance against losses in a pool of loans, similar to mortgage insurance on loan pools. In this case, the reserve pool is not considered when determining a bank's ALLL but rather is treated and accounted for like other insurance policies it holds (i.e., if the realization of the insurance claim is assured, a receivable may be recognized). Impairment on loans covered by the risk reserve pool should be measured without consideration of the limited guarantee backed by the risk reserve pool.
Is a guarantee provided on a loan in the Small Business Credit Guarantee program recognized by regulators when analyzing the adequacy of the ALLL?
The Small Business Credit Guarantee is a fixed-percent guarantee (of the outstanding loan balance) and not a limited guarantee (i.e., not limited to the amount of funds in a risk reserve pool). The accounting for loans subject to the Small Business Credit Guarantee that have not been converted to the risk reserve pool is similar to the accounting for loans with a Small Business Administration guarantee. Impairment of loans subject to the Small Business Credit Guarantee should be measured with consideration of the stated guarantee, so long as it is probable the guarantee will be paid.
If, as stated above, the guarantee is enforceable and determination has been made that the state will honor the guarantee in the event of loss, the examiner and bank can take the guarantee into account when determining the adequacy of the ALLL.
Can premium deposits in the bank's risk reserve pool in a CAP be counted toward the bank's capital?
No. Because a state administrator typically owns and controls the premium deposits, these funds do not count toward a bank's regulatory capital.
Can the guaranteed portion of an SSBCI guaranteed loan be excluded from a bank's legal lending limit?
The answer depends on the state program. Specifically, the guarantee must be legally enforceable and the guarantor creditworthy.
OCC rules provide that certain types of loans and extensions of credit are not subject to the lending limits. Among those exemptions are "loans or extensions of credit, including portions thereof, to the extent guaranteed or secured by a general obligation of a state or political subdivision and for which the lending bank has obtained the opinion of counsel that the guarantee or collateral is a valid and enforceable general obligation of that public body."
Under OCC rules, a general obligation of a state or political subdivision means "an obligation supported by the full faith and credit of an obligor possessing general powers of taxation, including property taxation."
The general obligation exemption requires the lending bank to obtain an opinion of counsel that the guarantee is a valid and enforceable obligation of the state. The national banks that need to rely on this exemption typically are smaller national banks. Because the expense of obtaining an opinion of counsel may be prohibitive for many of these banks, states may want to provide a legal opinion, either from outside counsel or the appropriate state legal official, that the guarantee is a general obligation of a state or political subdivision.
OCC Interpretive Letter 899 provides the specific guidance for this issue.
If a bank makes a loan through the SSBCI program, will it be considered for Community Reinvestment Act purposes?
A loan made through the SSBCI may receive Community Reinvestment Act (CRA) consideration, provided it
Does the size of the bank determine how a loan made under the SSBCI program will receive CRA consideration?
Yes. The CRA examination of a bank can vary based on the size of the bank. There are three general categories: small, intermediate small, and large banks. Unlike large and small banks, intermediate small banks have some flexibility in how loans to businesses are considered for CRA purposes.
The category of the size of the bank is determined by asset size. These asset size thresholds are updated annually and published by the OCC. The thresholds are based on the year-to-year change in the average of the Consumer Price Index for Urban Wage Earners and Clerical Workers, not seasonally adjusted, for each 12-month period ending in November, with rounding to the nearest million.
Size thresholds for 2014, as of January 1:
Could SSBCI loans be considered responsive, innovative, or complex?
Possibly. Examiners consider the context within which a bank is evaluated to determine whether a particular loan is responsive to community needs or is considered innovative or complex for that bank. Examiners consider such factors as the types of loans or investments available in the bank's assessment area or in the broader statewide or regional area that includes the bank's assessment area; the bank's capacity for a particular type of activity; and whether the bank was a leader in bringing the loan, program, or project to fruition. What is considered complex for one institution may be considered routine for another.
Banks are encouraged to provide information to their examiners that describes why they believe a particular activity or loan is innovative or complex for their institutions and assessment areas, or in the broader statewide or regional areas that includes the banks' assessment areas.


text:
Published at Monday, September 10th 2018. by Ilene Parks in Clamp.
Ease of use - Even though most bench clamps are designed to operate the same, the craftsmanship of the tool can determine what an easy time you have during use. Choose clamps with all the right features and parts to make use easier for you. You should manage to use your bench clamp without any help at all if it is well crafted. The areas where your hands go should be enhanced to give you comfort as you fix the tool on your workbench.
Pipe clamps are a special type of clamps that are composed of different segments to allow usage flexibility. A basic pipe clamp involves two different clamp sections. One section is the tightening clamp, while the other is static. They feature an open loop on one side and a clamping brace on the other. These two sections connect with a length of pipe and the tightening section of the clamp can move to properly connect pieces of wood. The fact that the pipe can be alternated for shorter or longer sections to connect different or nonstandard pieces of wood provides for the versatility and benefit of using pipe clamps.
A person once sold off all the articles of a workshop by advertising each article or tool separately. At the end of the first day, the person received a barrage of requests for the clamps. This goes to show how important the clamps are for woodworking and that these two go hand in hand and clamps are indispensable when it comes to woodworking. It is just that sometimes we fail to understand or realize the importance of these humble woodworking tools.
The truth is that woodworking might not exist without the existence of clamps in the first place because it is the clamp which holds the wood or the wooden parts together, without the clamps the wooden pieces would fall apart and it would be impossible to work with them. However some argue that there is always another solution for this and that is to glue the wooden pieces together in order to work with them.
Your supplier - Only reputable tool suppliers will get you genuine high quality bench clamps. You can buy your clamps directly from manufacturers if possible or their outlets, but you can also find reliable, trustworthy dealers offering the tools at good quality. Whether you are buying the bench clamps online or from your local supplier, ensure that you can trust in the quality of the product you are buying.
Recent Post
Monthly Archives
Static Pages
Home - About Us - Contact - Copyright - Term of Service - Privacy - Cookies
Any content, trademark's, or other material that might be found on the bestespressomachines.biz website that is not bestespressomachines.biz's property remains the copyright of its respective owner/s. In no way does bestespressomachines.biz claim ownership or responsibility for such items, and you should seek legal consent for any use of such materials from its owner.
Copyright © 2019 bestespressomachines.biz. All Rights Reserved.

subset: commoncrawl


text:
This newsletter,
published twice a month, contains information about current
volunteer opportunities and upcoming public interest events
at the law school. Paper copies are also available throughout
the building, such as on the table outside the Spak and
in the student lounge.
Students can now register and submit their volunteer hours
to our office electronically. Alternatively, downloadable
forms may be printed out and turned in. Please check our
page for more information.
Students who spend 50 hours or more volunteering during
law school may be eligible to receive the Dean's Certificate
of Service. The first step is to register for the program.
Then, if you already have a volunteer position, just keep
track of your hours on your Volunteer Timesheet and either
turn it in to the office every two weeks, or email us with
your progress. If you do not have a position yet, we can
help you find a volunteer legal or non-legal position that
fits your schedule and interests. Please keep in mind that
you cannot be receiving any financial benefit or any school
credit for your efforts. If you have questions as to whether
your position qualifies towards the Dean's Certificate of
Service, please contact our office.
At the end of each school year, the Public Interest Resource
Center holds a reception for all students enrolled in the
program. At this reception, all students who have achieved
50 hours or more will receive their certificates. This certificate
not only looks great on a resume, but also shows one's dedication
to community service.
.: Main Chicago-Kent event calendar
.: Academic calendar
.: CLE calendar
.: Alumnae/i event calendar
.: Admissions calendar


text:
Expert Advice
Behind the Scenes: Victoria's Secret Fashion Show, Matthew Morris
Matthew Morris, owner of the Matthew Morris Salon and Skin Care in Denver, Colorado, was one of 20 hairdressers invited to create the classic looks for the Victoria's Secret Fashion Show, taped last night in NYC. The highly rated show will be shown on December 10 on CBS.
This is third time Morris "did" the VS show. He has done hundreds of fashion shows as a member of the support team for superstar Orlando Pita, but for Morris, "This was by far my favorite. This was the most relaxed show we've ever done. It was actually fun!" Morris and the rest of the Orlando team had plenty of time to have that fun. They arrived at 7:30 in the morning and wrapped by 9 pm. The artists have about one hour with each model (there are 40), but they must allow time for interviews and behind the scenes activities. Two shows are taped during the day and each model has to be re-done for each show.
MODERN chatted with Morris after the tapings to get his true backstage report and asked him for some of the insider scoop which he willingly shared. Here he answers 5 burning questions:
1. MSM: What is the key to creating that classic Victoria's Secrets look?
MM: "Lots of extensions. Of the 40 models, there is only one that does not use extensions. Some of the girls already have them but we have plenty on hand, however we love it when a model shows up with her own extensions. We do not use clip ins, but bonded for the show. As far as wrapping is concerned, we wrap diagonally from the face, alternating direction with a 1 ½ inch barrel curling iron. The key is to create a natural fall with shiny, healthy, full hair."
2. MSM: Any surprises in this show?
MM: "This year the VS team embraced different lengths of hair. In the past it's always been long. For this show we even have a bob! We left it it's natural length, but made it fuller."
3. MSM: What is the best part of the show for you?
MM: "It is just so much fun in a relaxed environment. There is not the stress in a typical fashion week show. The Victoria's Secret show gets the best of the best, from the best hairdressers to the best make up artists to the best models, food, even security! Everyone there is a pro and we all trust each other. No one drops the ball. It doesn't feel like work. It's like going to a party with your friends."
4. MSM: This is the first time a professional salon company, ghd, has been invited to sponsor the Victoria's Secret show. Did that change anything for you?
MM: "I LOVED the ghd dryer. This was my first time using it and I will definitely use it in the salon. Everybody on the team loved that dryer. I am thrilled they were invited to sponsor the show because it gave me a chance to use it." [ghd is available primarily via CosmoProf as its prefered distributor in US.]
5. MSM: How did you get on Orlando team…or how does one get on the team?
MM: "I met Orlando when I did the TV reality show Shear Genius. He got to watch me for 6 weeks and then invited me to be on his team. I am the only salon owner and the only person from outside of NYC who is on his team. He knows I will drop everything to work with him. It's been fantastic. To answer the second part of the question, I would have to say it's important to be based in NYC. In addition to being a good hairdresser, you must be reliable and loyal. Any hairdresser on his team must pay attention to detail and do exactly was he does without interpretation. You have to remember to know your place and that you are there for Orlando first…not the Victoria's Secret models or for yourself. To get on his team…I guess you will have to ask Orlando himself [we will…stay tuned].


text:
City of Lincoln
Mayor's Office
Media Release
ďI have great respect for Lincolnís public process. But I am disappointed in the City Councilís decision because it makes law an unfair and inequitable ordinance and will cost the taxpayers money.
ďI vetoed the Smokefree Air Act because it is unfair, it will be difficult to enforce and it will be expensive to defend. It is unfair because it treats businesses differently. Because it does not treat businesses the same, it leaves the city vulnerable to legal action. And since the City Attorney already has told the Council this ordinance has legal problems, the City will have to hire outside counsel at taxpayer expense to defend the City from lawsuits.
ďThe Smokefree Air Act as passed is an administrative quagmire. The notion of allowing smoking in some bars and restaurants but not in others based on how much food is sold is not enforceable. The City has no way to track or enforce this idea. The administrative cost for both the city and the businesses to prepare and review their revenues is burdensome and expensive.
ďThe City now will do its best to create regulations to implement this imperfect law. But as the Law Department and the Police Department have indicated, there will be unintended consequences to this, such as the implications for young people in bowling centers.
ďI said during Council consideration of this issue that I would wait and see what the Council approved. But I have long said I would support a smoke free air act that is fair and not burdensome to business; simple to understand and enforce; and that protects the public health equally. This version does not meet that criteria. I am disappointed that the City Council adopted this legislation knowing it has inherent problems.Ē


text:
I got the same issue as Darvin. Also when i hit escape, unity crashes. (its happened 3-4 times)
Sounds like a fun week for the developers!
Darvin wrote:Got to the Avatar, attacked him once then cast a fireball and the game crashed. Shame; I had more than enough resources to pull it off (two hits of blood tithe with all my blood pools intact, lots of damage resistance, reduction, and some lifesteal on top of that)
Users browsing this forum: No registered users and 4 guests


text:
Featured News - Current News - Archived News - News Categories
The Western New York Regional Council has announced that its workgroup on tourism will host three public input sessions to seek feedback on the "Path Through History," a program aimed at increasing heritage tourism across New York state.
The "Path Through History" project was launched last year by Gov. Andrew Cuomo as a statewide roadmap that ties historically and culturally significant sites, locations and events throughout the Empire State, and will also promote tourism and economic development in communities in every region of the state.
Under the auspices of the WNYREDC, a work group has been developing a local vision plan to be advanced and is seeking input from stakeholders in the cultural tourism sector.
The meetings will be held as follows:
Monday, March 18
Tuesday, March 19
Thursday, March 28
Though registration is not required, it is suggested and can be done by visiting http://www.regionalcouncils.ny.gov/content/western-new-york.
About the Western New York Regional Economic Development Council
The Western New York Regional Economic Development Council, which is made up of five counties - Allegany, Cattaraugus, Chautauqua, Erie and Niagara - was created by Cuomo as a key component of his transformative approach to economic development. Western New York's council is one of 10 regional councils, all of which represent a different geographic area across New York. Each council is a public-private partnership made up of local experts and stakeholders from business, academia, local government and non-governmental organization. In 2011, Western New York was named a best plan awardee and received $100.3 million for the implementation of its plan, "A Strategy for Prosperity in Western New York." As part of round II of Cuomo's Regional Council initiative, the WNYREDC was awarded $52.8 million for 58 projects.
"A Strategy for Prosperity" leverages the region's strategic advantages in key industry sectors, including advanced manufacturing, agriculture, binational logistics, energy, health and life sciences, higher education, professional services and tourism. The plan focuses on strategies that promote smart growth, are oriented to young adults, build upon regional strengths, have a regional impact and improve the region's image.
To learn more about each regional council and their economic development plans, visit www.regionalcouncils.ny.gov.


text:
from The American Heritage® Dictionary of the English Language, 4th Edition
- n. A weblog.
- intransitive v. To write entries in, add material to, or maintain a weblog.
from Wiktionary, Creative Commons Attribution/Share-Alike License
- n. A website that allows users to reflect, share opinions, and discuss various topics in the form of an online journal while readers may comment on posts. Most blogs are written in a slightly informal tone (personal journals, news, businesses, etc.) Entries typically appear in reverse chronological order.
- n. An entry in a blog.
- v. To contribute to a blog.
- v. To blag, to steal something; To acquire something illegally.
from WordNet 3.0 Copyright 2006 by Princeton University. All rights reserved.
- v. read, write, or edit a shared on-line journal
- n. a shared on-line journal where people can post diary entries about their personal experiences and hobbies
from The American Heritage® Dictionary of the English Language, 4th Edition
from Wiktionary, Creative Commons Attribution/Share-Alike License
Today's question: how will a community respond to the surfacing of an alleged murderer's blog, and the blog* of his girlfriend/alleged victims' daughter which contains case-related content?
Discovered that someone who's not supposed to have known about your blog has discovered your blog******
I need related website(except free blog, spam blog)
Ensure that user is blog owner, and create @blog. def protect_blog @blog =
The most novel feature in the Posts controller appears in the create action, where we use the array append operator to push a new post onto the current list of blog posts: 21 @blog. posts
Hey all you can add your domain for sale in EzineDomain. com blog and directory for free as new topic "search engine friendly blog+ directory" and get more Bids for your domain name
Spec. new @faq = @user. faq | | = Faq. new @blog = @user. blog | | = Blog. new end The blog management page itself is simple.
And like stated above that "joke" doesn't seem appropiate of a place like blog@ or newsarama in general and it's more fit to a personal blog if it needs to be made.
15.3 Building the real blog 459 It's worth noting that the RESTful blog id is available as params [: blog_id], which we use to find @blog in the protect_blog function.
Chuck patiently explained that "blog is short for web log - 'blog' - and it's an on-line journal."
Too many folks forget that blogs are social media...
Attach a timestamp to a piece of text. Present it in reverse-chronological order.
Blog me a river.
I wrote a book this morning, and I'll probably write another one after dinner.
Oh, sorry. I meant a paragraph.
Oops! Make that a sentence.
Cede the language to the pea-brained and we can all just go quietly extinct.
Would you use the word "blog" to mean "blog entry"?
For a while now, I've seen people using the word in this way. For example, they might say "I wrote a blog this morning, and I'll probably write another one after dinner". This usage makes me cringe. It's the kind of thing you'd hear from people who might also talk about "watching a YouTube" or "reading the Wikipedia" -- i.e. people who aren't tech-savvy.
But now, more and more, I'm seeing people who ARE tech-savvy using "blog" to mean "blog entry". I still hate it, but I recognize that in a living language, words' meanings can change. Do you think that's what's happening with "blog"?
"oh man, I'm really sorry, that last round of shots got right on top of me and I totally blogged into your philodendron."
hate the sound of this word
"For What It's Worth
I've decided to pronounce the word "weblog" as wee'- blog. Or "blog" for short." April/May 1999.
To each their own, but jonjonz, but I hope you don't boycott Wordie when I start one. It needs a place to archive annoucements, and "page for brief messages, in reverse chronological order, on which one can leave comments" is too, well, wordy. Also, what do Content Management Systems (CMS's) have to do with the price of eggs? A worse linguistic crime than a useful abbreviation is the proliferation of useless tech jargon, especially when in the form of acronyms.
Aside from seanahan's valid rebuttal, I think that you've made a substantial error, jonjonz, by confusing the properties of sound and meaning. You begin your tirade "It sounds like..." (refering to the sound) but end it by talking about pride, which (you say) refers to the meaning. Be clear what you are talking about.
As an aside, "Vanity Press" would surely not be appropriate for a digital medium, no?
Shakespeare made up a ton of words, and some of them sounded pretty awkward. Saying that he wouldn't like this word is ridiculous. Whatever arguments you may have against the word, you need to separate it from a completely meaningless assertion that Shakespeare wouldn't like it.
This word is an abomination. It sounds like someone took a long, painfull, smelly, and uncomfortable dump and left the results with misplaced pride for others to revile. The use of this word marks the user as pretentious, shallow and most of all vain. "Vanity Press" is more accurate. Most people who use the word cannot explain the difference between a web page created using CMS, or hand coded. I am sure William Shakespeare would never stoop to coming within 10 feet of anything with such an abhorrent perversion of the language.


text:
Dear Fellow Adventurer,
Upon the release of the new expansion, Mists of Pandaria, Blood Legion is starting a Consumables Drive to assist in helping out both the community as well as our guild during its push for higher rankings. These contributions can be anything from raiding consumable mats such as herbs, fish, food, pots, and flasks, to profession-leveling mats to helping us tag World Bosses! We have implemented a well-organized and detailed gameplan to allow each and every person a chance to contribute and earn rewards for their efforts. We have a very strong track record when it comes to community events held on Illidan (for example, we gave out over two million gold during a Rated Battleground drive earlier this year), and look forward to continue hosting such events in the future.
We know it can be frustrating to grind out the Heroic gear and achievements often required to apply to better guilds. We also know how difficult it is to get your hands on coveted heroic mounts and titles, particularly if you are rolling against 9-24 other people going after the same drop. But don't worry ! Blood Legion is offering prizes for the Top 20 Donors at the end of the Consumable Drive that include the very mounts, titles, achievements, and gear that you've been after. We will also be offering guild promotions, guild bank repairs, and other guild perks within <Blood Legion Spec Ops> for those who are not able to finish in the Top 20.
If you are interested, please check out the spreadsheet and rules posted below, and contact Ataxus or Riggnaros (or some obvious variant of the name) with any questions. These rules are subject to change - please keep checking for updates.
Rules and Guidelines:
https://docs.google.com/spreadsheet/ccc ... QNGc#gid=4
Item Values:
https://docs.google.com/spreadsheet/ccc ... QNGc#gid=0
Ranks and Rewards:
https://docs.google.com/spreadsheet/ccc ... QNGc#gid=2
Contribution Tracking:
https://docs.google.com/spreadsheet/ccc ... QNGc#gid=1
Please post in this thread if you have any questions, concerns, issues, or general feedback in regards to anything involving this project. These forums will be moderated to ensure that all feedback is constructive, useful, and helpful.
This offer is exclusively for Blood Legion Spec Ops. If you need an invite, please contact anyone within the guild. We look forward to helping you guys in obtaining your new gear, titles, mounts, and achievements in Mists of Pandaria!


text:
What is your returns/refund policy?
What do I do if ...
PLEASE NOTE: Any special products are not eligible for return. Please read our full Terms and Conditions for more information.
Get in touch and stay in touch with Black Box Network Services:
»Contact us
»Get catalogue
»Join our mailing list to receive white papers, case studies, and special offers
Black Box Network Services offers comprehensive communications and infrastructure solutions. Find out what we can do for you:
»Black Box Explains
Find high quality products at the right price. Search and buy from our product catalogue:
»Tools & Testers
»KVM Switches and Extenders
»Cabinets and Racks
»Digital Signage
»Industrial Networking
»USB Connectivity
Black Box Network Services is the world's largest independent provider of communications, infrastructure, and product solutions.
»Company Information
»Investor Relations


text:
Who we are.
D.S. Powell Construction is locally owned and operated in Davis, CA. Since 1977, we have been specializing in new home building as well as beautifully incorporated home remodels and additions. You can see the quality of our work throughout Davis, from zero lot line homes in Green Meadows Subdivision to million dollar homes in North Davis Farms, Oak Shade and Northstar. Owners, Dan Powell and his son Joel Chessher, can assist you with your project from engineering and design to plans, permits and Title-24.


text:
We appreciate your interest in a position at Dordt. Please contact us if you have additional questions or would like more information about any item.
About Dordt
Associated with the Christian Reformed Church, Dordt was founded in 1955 and today welcomes more than 1,500 students and 85 full-time faculty members committed to learning and teaching from a biblical, Reformed perspective. Learn more about Dordt.
Reformed Perspective
Dordt takes its Reformed Christian perspective seriously at all levels of faculty hiring, development, and performance review. Applicants must demonstrate a Christian faith commitment in agreement with Scripture and the basic tenets of the Reformed faith; they must also articulate how their Christian convictions are reflected in their teaching and scholarship. Dordt faculty members continually work to develop and communicate their understanding of how their Reformed worldview influences how they approach their discipline and their task as educators and scholars.
Faculty applicants
Interview Process
Dordt is committed to a communal hiring process for faculty members. For each position opening, the related department, area leader, Academic Senate members, academic affairs personnel, and the president have an opportunity to interview the final candidates. The candidate recommended for an initial term contract then interviews with members of the Board of Trustees. This intensive process helps to ensure the best mutual fit for each position and allows candidates to better understand the college community.
Teaching Load and Instructional Support
Dordt emphasizes teaching and learning. A typical teaching load for full-time faculty is four courses per semester. Faculty members do not normally teach in the summer, except for those on international programs or in the graduate education program.
Dordt has an extensive instructional support program. New faculty members meet informally with a faculty mentor for their first several years to discuss teaching strategies, campus issues, adjustments to the community, or other issues the new faculty member may have. New faculty also participate in formal orientation sessions throughout their first year in order to learn more about Dordt's history, Reformational perspective, and approaches to teaching and learning.
All faculty members are strongly encouraged to consult with colleagues, department chairs, area leaders, and the Dean for Curriculum and Instruction for specific assistance with course design and syllabus development, pedagogical strategies, and classroom management issues; instructional workshops and other opportunities for pedagogical development are offered on a regular basis.
Most of our classrooms enable faculty to use technology in support of their teaching. All faculty members are provided with laptop computers and nearly all campus buildings have wireless network access.
Scholarship and Service
Faculty members are expected to continue engaging in their field of study in scholarly ways. This includes traditional research/writing as well as conference presentations, book reviews, essays on Reformational perspectives in one's discipline, creative works, etc.
Full-time contracts are for 12 months, enabling faculty members to pursue scholarship as well as develop their courses during the summer. Our campus library offers a large number of full-text and other academic databases, a reputable film collection, and other resources to support faculty scholarship. A professional development/conference fund is set aside annually for each full-time faculty member; additional funds are available to support papers presented at professional conferences.
Full-time faculty normally serve on one or two committees. They also advise approximately 15 to 25 students and contribute to department responsibilities (e.g., program review, student learning assessment, student recruitment).
Evaluation Process
In their first seven years, faculty members are formally evaluated every two years at the renewal times for four two-year contracts. During the eighth year, faculty members are evaluated in anticipation of an extended-term (five-year) contract, which is re-evaluated every three years. Dordt does not have a formal tenure system. Faculty members are evaluated on the basis of their ability to articulate a reformational perspective in their discipline, teaching excellence, scholarship and service, and collegiality. Faculty members work is organized around the educational covenant documents: The Educational Task and The Educational Framework.
Academic Programs
Dordt offers six associate of arts programs, more than 40 bachelors-level programs (including accredited programs in education, engineering, nursing, and social work), and a master's program in education (concentrations in teacher leadership and school leadership); we also offer 11 pre-professional programs including medicine, law, seminary, and physical therapy. Our Core Program of 15 courses reflects an integral view of creation and is central to the education of all Dordt students. We also have a scholar's program and a number of off-campus programs. Learn more about our academic programs.
Dordt enrolls approximately 1,500 students from more than 35 states, 8 Canadian provinces, and 16 other countries; students' average distance from home is 400 miles. The average class size at Dordt is 22 students, with larger numbers in introductory and core courses (up to 50) and smaller numbers in specialized upper-level courses (10 to 15 students). We are a residential campus (about 85 percent of students live on campus) and boast a large number of co-curricular activities during the academic year. For more information about student life, click here.
Salary and Benefits
Our competitive salary and benefits package includes Blue Cross/Blue Shield family medical coverage; a 70%/30% dental/optometry/audiometry family expense reimbursement plan; a $50,000 base life insurance plan; a TIAA-CREF retirement plan to which Dordt contributes 6% of the annual salary (Dordt will also match additional employee contributions up to a maximum amount based on years of service); a tuition scholarship up to 70% for employees' children in grades K-12 in a Christian school and a 50% reduction in Dordt tuition for employee family members; and an Employee Assistance Program. Employees may also take advantage of tax-saving Flexible Spending Accounts for medical and child-care expenses. A number of other benefits are also available, including a generous faculty development/conference allowance, moving expense reimbursement, a free family membership to our Recreation Center, free entrance to college-sponsored athletic and music events, and a 10% bookstore discount.
Faculty Handbook
Our faculty handbook includes principles for decision-making, brief job descriptions, contract types and evaluation processes, and a number of academic policies and procedures. Review the handbook here.


text:
He is a IPS officer in Indian state of Maharashtra. He is bravest and honest police officer in india.
Hemant Karkare laid down his lives fighting terrorists during the Mumbai attacks, on 27 November 2008.
Enter your email address to subscribe to this blog and receive notifications of new posts by email.
Join 38 other followers
Sign me up!
Blog at WordPress.com.


text:
Hero Tower Defense Thursday: Day 32 - HTD Pre-Alpha v0.012 Release! Inventory and Equipment!
Welcome to Hero Tower Defense Thursday!
The inventory is a place to store all your items that you gather through your travels. It will hold everything from potions to materials to ingredients to equipment. You can access the inventory and equipment screens from either the Hero Screen or by pressing the Inventory button in the bottom right during battle. The inventory itself is universal for all your heroes, they all share it. However, depending on the hero you have selected will determine which equipment is shown in the hero equipment window.
You can see that there will be quite a few equipment slots. Not all will be visual, smaller items like rings and necklaces most likely won't be visible on your hero. You'll also have a Main Hand and Off Hand weapon slots for both melee and ranged weapons. Your character will automatically switch between melee and ranged based on the enemies distance and the skill the hero is currently using. We'll get more into this later but basically you'll have Physical and Magical based weapons which your hero will choose to use for optimal efficiency for whichever skill they are about to execute.
Right now all that you can do is equip and unequip your armor and Main Hand melee weapon. You can move things around however you like; give each hero a different weapon, take off some of their armor, or take away all of their armor if you want to be mean (those of you that intentionally KO your own heroes will probably do this). Keep in mind that your equipment setup will no save for now, we're still working on that.
Currently none of the items have stats yet so you'll just be affecting visuals for now but those are coming soon! There's a bunch of stuff in the works that are taking some time but we're slowly but surely getting there. Some of you may have noticed the game getting a bit choppy after awhile. We're currently in the process of fixing this and should be able to resolve it soon.
What's New:
-Inventory System
-Equipment System
In the Works:
- Story: Intro (100%)
- Story: Intro Scene 1 (0%)
- Class Skills: Tier 1 (100%)
- Inventory Screen Graphics (0%)
- Light Skill: Radiate (Native) (10%)
- Light Skill: Shinning Strike(T1 Physical) (10%)
- Light Skill: Fleeting Light (T1 Magical) (10%)
- Unit: Fire Gecko Concept (100%)
- Sound Effects: Light Spell (100%)
- Multiple Profiles (100%)
- Light Skills (0%)
Check out Kevin's blog, KXN @ HTD for HTD art-related concepts, WIPs, polls, and more!
As always feedback is welcome in the comments!


text:
- Buy 5 each and save 5%
- Buy 24 each and save 15%
- Description
- Reviews
- Product Q&A
Dong Quai Root (Angelica sinensis)Latin Name: Angelica sinensis
Common Names: Dong Quai Root
Dong Quai Root, which goes by the Latin name of Angelica sinensis, is a perennial plant that reaches about three feet tall. This herb grows in moist soil and is native to China's northwestern and western regions. Dong Quai Root, which is also referred to as Female Ginseng, is normally harvested in the fall at which time the herb is dried.
In the Chinese medical tradition, Dong Quai Root has been commonly used as a medicinal herb. In Chinese medicine, bulk Dong Quai Root is commonly used in women's health formulas in conjunction with other herbs. These dried herbs are commonly used for their carminative properties as well. It is advised that Dong Quai Root not be used if you are pregnant.
All of our bulk organic herbs come with a one hundred percent satisfaction guarantee. Our natural herbs are processed in a strictly controlled manner, and they undergo in-house analysis for an assurance of their quality. Dong Quai Root comes in powder, cut and sifted, and sliced forms.
Warning: Conventional Dong Quai Root: Not to be used during pregnancy. Patients undergoing surgery are advised to stop use of Dong Quai 7 days before surgery due to reported inhibition of platelet aggregation. Item contains sulfites.
Organic Dong Quai Root: Not to be used during pregnancy. Patients undergoing surgery are advised to stop use of Dong Quai 7 days before surgery due to reported inhibition of platelet aggregation.
great job
by olrog on May 25, 2015
Product: Organic Dong Quai Root Powder
Write Your Own Review
Questions & Answers for Dong Quai Root
-Identity testing, for proper botanical identity and purity
-Heavy metals testing
-Microbiological testing
-Organoleptic testing (ie: proper taste, smell, color, etc.)
In addition to the testing, we mill our products in-house into cut and powdered forms. In other words, we purchase whole dong quai root, and then cut that into the cut & sifted form and powder form, which allows us to control the quality even further.
You may also like
Please enter your email address and we will notify you as soon as is back in-stock.
Your request has been submitted successfully. As soon as the item is back in-stock we will notify you via email.
Thank you for your patience.Close


text:
When Carlos Beltran was activated from the DL, Jerry Manuel said his plan was to play him the first two games of the series (he went 1-4 and looked good running) and rest him Saturday.
Manuel is now waffling on that plan.
"We'll see how he feels," Manuel said. "I'll see if he needs a day. If not, we'll keep on running him out there. I think he's got to get those plate appearances and that rhythm and that timing down."
This is what gets me about Manuel, his indeciveness. Or maybe, it is speaking before he makes a decision.


text:
Available Today: SSDT—December 2012
The SSDT team is pleased to announce that SQL Server Data Tools – December 2012 is now available for download! Get it here: SSDT for Visual Studio 2012: http://msdn.microsoft.com/en-us/jj650015 SSDT for Visual Studio 2010: http://msdn.microsoft.com/en-us/jj650014 What's New? Database Unit Testing We have received an overwhelming amount of feedback that database unit testing is a… Read more
- Tags: Release, SQL Server Data Tools, ssdt


text:
Walter Ernest Speer
85, of Maywood
Walter Ernest Speer, 85, of Maywood, Missouri, passed away at 1:50 a.m. Wednesday at his home.
Funeral services will be held at 10 a.m. Saturday at the Durham United Methodist Church in Durham. Rev. Steve Martin and Rev. Earl Wiseman will officiate. Interment will be in Little Union Cemetery in Palmyra, Missouri. Visitation will be from 5 p.m. to 8 p.m. Friday at Lewis Brothers Funeral Chapel in Palmyra and after 9 a.m. Saturday at Durham United Methodist Church. Memorial contributions may be made to Durham United Methodist Church.
Online condolences may be made at www.lewisbrothersfuneralchapel.com
Walter Ernest Speer
Walter Ernest Speer


text:
Bills Backup Quarterback Takes One For The Team [VIDEO]
The Bills wrapped up another win Sunday in their home just north of the border, defeating the Washington Redskins 23-0. While there were many highlights, including the defense's nine sacks, one of the most talked about plays of the game was on the sidelines.
Backup Quarterback Tyler Thigpen was playing catch with someone when Ryan Fitzpatrick took a hard hit and went down. Thigpen was distracted as Fitzpatrick walked toward the sidelines, and the cameras happened to catch this hilarious moment.


text:
Ring of Honor and RF Video announced today that Douglas I. Gentry is their new CEO and President and that the former head of the company, Robert Feinstein, was officially released by the board of directors.
Earlier this week, Feinstein resigned due to recent allegations that have been brought against him involving a media sting operation. In his statement, Feinstein said he would step down until the matter was resolved.
In his press release issued today, Gentry stated that ROH and RF video have cut all ties with Feinstein.
"As of today, Mr. Feinstein is no longer officially associated with either company or any upcoming events and I was named as the new President and CEO of both corporations. He has been dissolved of all responsibility and ownership in both companies," Gentry wrote.
Earlier this week, Feinstein was allegedly the target of a media sting focusing on adults who cruise Internet chat rooms attempting to contact underage individuals for sexual encounters. NBC 10, a Philadelphia affiliate, teamed with PervertedJustice.com and aired a story Wednesday night showing a man who they identified as Feinstein arriving at the set-up house and then leaving the scene once a camera crew and a reporter confronted him. As of this date no charges have been brought against Feinstein.
The company also posted a mission statement on their site informing their fans that the company will continue their business as usual.
"RF Video and Ring of Honor are family-friendly organizations," Gentry said in his statement.
"We value all of our customers, vendors and business partners. As a result, the board of directors of both corporations voted officially this afternoon to release Robert Feinstein as president and CEO of both RF Video and Ring of Honor."
RF Video (or "Rob Feinstein Video") will undergo a name change in the near future.
Current ROH superstars have been vocal about their feelings for the company.
"ROH has the most amazing locker room full of talent and heart," Tracy Brooks, the most recognized female wrestler for the organization, told Slam! Wrestling. She is scheduled to be on and will attend their March 13th show in Elizabeth, New Jersey.
On Low-ki's web site, Low-Ki.com, he states that he is no longer associated with either RF video or ROH.
Also scheduled for the show are legends, Roddy "Rowdy" Piper and Ricky "The Dragon" Steamboat.


text:
The Obama Administration is continuing its maddeningly anti-environmental course by blocking the EPA from enforcing stricter rules for air quality. Just last week, the administration approved the plan for the Keystone XL pipeline, and now Obama himself has stepped in to thwart the EPA's plan to strengthen ground-level ozone (smog) standards, which could have protected us against health-threatening pollution. The President cited the recovering economy as his main reason for abandoning the regulations, saying that it would impose to heavy a burden on the industry — a fact that many environmentalists have been quick to point out is not entirely true.
The EPA's new rule would have lowered the ozone standard from 75 parts per billion (the standard set during the Bush administration) to 60 to 70 parts per billion, which is recommended by the EPA's scientific advisers. The EPA notes that changing the regulation would save up to 12,000 American lives, 58,000 asthma attacks, and 2.5 million missed days of school or work each year. The new regulation would have caused hundreds of counties across the nation to be out of compliance, thus requiring a major enforcement by local governments.
The rule will now be reviewed in 2013, unless environmental advocates succeed in their quest to challenge Obama's decision in court. EPA administrator Lisa Jackson has made improving air quality standards a major goal of her tenure, telling many that it is one of the most important regulations she would handle. Her proposal for stronger standards has been delayed four times.
The President was quick to note that his ruling was not an abandonment of his concern for the environment or his support for the EPA. In a statement on the White House website, Obama said "I want to be clear: my commitment and the commitment of my administration to protecting public health and the environment is unwavering." Adding, "and my administration will continue to vigorously oppose efforts to weaken E.P.A.'s authority under the Clean Air Act or dismantle the progress we have made."
Obama's decision came just hours after the Labor Department showed that the unemployment rate is holding steady at 9.1 percent, and supporters agree that the regulations would have prevented companies from being able to create new jobs. "If policymakers want manufacturers to help put the economy back on solid footing, we need policies that enable us to create jobs, invest and compete in the global marketplace," said Jay Timmons, president and CEO of the National Association of Manufacturers, in a statement.
But many environmental groups, including the National Resource Defense Council, say that this just isn't true."The jobs argument is a red herring thrown out there by Tea Party-types to try to continue their assault on EPA regulations," Bob Keefe, senior press secretary for the NRDC, told the Huffington Post. "If you've got to upgrade power plants, you have to hire people: construction workers."
The Union of Concerned Scientists seconded this notion, with member Liz Perera saying, "It is frustrating to see them kowtowing to this notion that you can't save jobs and the environment, when in reality we know that the best way to have a successful economy is to have healthy people. It's not helping our economy when people have to stay home to care for kids having asthma attacks."
Via The New York Times and The Huffington Post
Lead image © Ken Banks via Creative Commons


text:
LANSING, Mich. (AP) — About 70 Michigan law enforcement agencies are planning a crackdown on drunken driving as residents celebrate the Super Bowl this weekend.
The Michigan State Police announced Thursday that law enforcement officers in 20 counties will be working extra from Friday to Sunday to target drunk drivers.
The Director of Michigan's Office of Highway Safety Planning says "Michigan law enforcement officers don't play games when it comes to drunk drivers" and is encouraging residents to use a designated driver.
State police say 166 people were arrested for drunken driving on Super Bowl Sunday last year.
For Michiganians planning to party this weekend, the office recommends choosing a sober driver before the Super Bowl begins and adding numbers for local cab companies in a cellphone.


text:
- Blogging Tips
- Category
- Help
Freebies for Printable Scrapbooking or Cardmaking (small): Sun, 22 Oct 2017
By craftcrave On October 22, 2017 · Leave a Comment · In Printables
Here are your links for the day!
Go to [social network list] [large previews] [More Freebies]
Enjoy your craft cravings!
Note: Much of the content on this blog is generated by a computer program and may not be 100% correct. Don't blame the designer if it is, and please respect their terms of use.
Timezone date stamp: [22 Oct]
Tagged with: craft • craftcrave • free • freebies • paper • photoshop • printable • project • scrapbooking


text:
Sick: 15-Year-Old Afghan Girl Tortured & Brutally Beaten By Her Own Husband & Family For Refusing To Sell Her Body!
"Doctors say a 15-year-old Afghan girl will have to remain in hospital in Kabul for a month after being rescued from her husband and his family who had locked her up, starved and beaten her. Sahar Gul was married off to a 30-year-old man around seven months ago, when she was just 14 years old. Her parents contacted police after not being able to see her for several months. She had been locked up in the basement of her in- laws' house and was rescued by police" - BBC
Please click the "Report" button below if the video on this page is not working properly.
Comments will only be displayed by verified emails. No Spamming or Racism.


text:
- Inside Athletics
- Tickets
- Fan Zone
- Media Zone
- Social
- Shop
- Donate Now
On Thursday night, ETSU takes its high-flying attack to the
ETSU, who currently ranks 12th nationally in scoring offense (78.9), carries a four-game winning streak into Nashville as the Lady Bucs stand 8-7, 6-1 in Atlantic Sun play. A pair of senior guards has fueled the Lady Bucs' offense in TaRonda Wiles (
Along with their strong scoring, ETSU ranks 28th in 3-point field goals per game (7.3) and 41st in free throw shooting (73.8).
The Lady Bucs are coming off an important win over league-leading
Lipscomb suffered a pair of losses last weekend in
The Lady Bisons are led by junior guard Jenna Bartsokas, who leads the club with 12.2 points and 2.6 assists. As a team, Lipscomb ranks eighth in scoring offense (59.7) and seventh in defense (66.6).
ETSU leads the all-time series, 10-1, with the Lady Bucs' lone loss being a 57-52 setback inside Allen Arena on Feb. 3, 2007. Since then, ETSU has won six straight against Lipscomb, while Evans is averaging 17 points and 12 rebounds in the last two meetings.
Fans unable to make the trip to the
For more information on Lady Buccaneer basketball, visit www.ETSUBucs.com.


text:
To see adult content (Parental Act), confirm you are over 18 years old
Chris Cox
Hi, im an artist living in gainsborough uk and my work is varied using most mediums but most of my work consist's of pencil portraits because im often commissioned to draw them and have won awards for my pencil work.
I have my own website for commission portraits at www.chriscoxpencilportraits.com and this is where most of my work comes from.
When im not working on commissions i will get my paints out and paint what appeals to me at the time which is varied and can be anything from landscapes to abstract depending how i feel.
Thank you so much for stopping by and i hope you find somthing in my work you like.
Warm regards,


text:
Ryan Kelly and his family stare in awe at the one-eyed, red tail hawk named Medusa at E.O. Wilson Biophilia Center.
Like the majestic bird who was injured before coming to Biophilia, Ryan faced a bleak outlook on life after he was diagnosed with autism as a toddler.
"Doctors told us he would be institutionalized by the time he was 10," said his dad George. "He didn't even speak until he was six."
Today, Ryan and his family look like any other. The tenth-grader is adjusting well. He's already landed a job at Basmati's with his sister Darcey, and likes his teachers at South Walton High School.
Ryan joined dozens of other families with special needs children last Saturday afternoon at Biophilia for their first ever Celebrating Special Needs in Nature Day.
The Kellys are brand new to the South Walton area. While it's hard enough to adjust to a new area, for Ryan, change can be a little more difficult.
"It's a very friendly area," George said. "Basmati's and the school have been very open-minded, helping Ryan get acclimated."
Acceptance and inclusion is exactly what the Biophilia Center staff were aiming for at last week's event.
With no admission cost, events such as turtle feedings, hay rides and even entertainment from Reid Soria of Autism Sings were staggered throughout the day allowing participants the chance to partake in everything the museum had to offer.
"An event like this is awesome because sometimes kids with special needs get left out of activities," said Drew Geoghagen, ESE teacher at Emerald Coast Middle School.
Geohagan, who was chaperoning a few kids from his class, said the Biophilia Center is the perfect place to teach science.
"These students are very visual," he said. "We watched videos on nature to prepare the students, so they were very excited to come here."
On a slow hay ride, Panama City Beach mom Jennifer Hinton says offering an event that's not only educational, but free is a blessing for parents.
Families from east and west flocked to Freeport, many of whom had never even heard of the Biophilia Center before.
One special treat was a concert from Reid Soria, of Autism Sings, LLC. Diagnosed with severe autism at 3-years old, Soria's parents were told that he should be institutionalized, but they took another route. Today, the 27-year-old is a local celebrity showing his audiences that being different doesn't mean you need to hide from the world. He regularly plays shows to benefit non-profit organizations. On Nov. 23, Soria will play a benefit concert for Building Homes for Heroes at Howl at the Moon.
Getting to sing at Biophilia was an extra special treat.
"This is the way kids learn best, by touching and experiencing," said Soria's dad, Rick, a former educator.
During the Birds of Prey presentation, kids were treated to meeting a few birds that are living at Biophilia under the care of Lisa Miller, the Birds of Prey Rehabilitator. Birds such as Casper, a small Mississippi Kite, who is currently going through rehabilitation for a broken wing and a one-eyed Red Tail Hawk named Medusa captivated the children.
Whether it was animal feedings, or checking out the World of Wonder exhibit, Biophilia staff members happily interacted with kids and answered questions from the inquisitive minds.
"The one-on-one interaction with the Biophilia staff is great because it's not something teachers always have time to do in a classroom setting," said Kim Christopher, director of Special Olympics of Okaloosa and Walton County.
The general consensus of the Celebrating Special Needs event was positive among kids and families. Already, the Biophilia Center is planning to host similar events regularly throughout the year.
"This day is about letting the kids be themselves and for families to see what they may be interested in," Christopher said. "It gives kids a day out and it allows parents to see their children grow."
Want to go? Biophilia Center hosts its Fall Festival from 10 a.m. to 3 p.m. Nov. 2 with a haunted trick or treat trail, hay ride, the Science Brothers, Nonie�s Ark Animal Encounters, petting zoo, live music by Mike Whitty, carnival games, harvest produce, bounce house, Abrakadoodle arts and crafts, face painting, Tucker Duke�s food truck, and more. Admission is$8/adults and $5/children. Ages 2 and under free. The center is located at 4956 E. State Hwy 20, Freeport. For more information, visit www.eowilsoncenter.org.


text:
It's not easy being a politician in the age of Twitter.
Here's U.K. Prime Minister David Cameron showing his people he means business. That he stands in strong support of his allies across the pond. Complete with a steely stare that surely strikes fear in the heart of enemies, domestic and abroad.
Then why is everybody laughing?
Blame at least part of it on Twitter wise guy Rob Delaney.
Et tu, Patrick Stewart?
From there, it snowballed into one of those Twitter things, as dozens — like Nigerian-American author Teju Cole — just had to get in on the action.
No word as yet on what Cameron has to say about the spontaneous Twitter conference call. The conversation with Obama did take place, but it was probably a whole lot less fun than the one imagined by Twitter.
And this isn't the first time the slick-talking Eton alumnus tripped a social-media frenzy with a phone and a photo. But it might be the last, if his PR team has any say in the matter.
— Shawn Langlois
— Follow @slangwise on Twitter


text:
CHICAGO (MarketWatch) — More and more, people are starting to crave the practicality of one-story living.
That's why more one-story homes are being built, new two-story homes often come with a master bedroom on the first floor and even older ranch homes are getting a second look.
"People who want to have a one-story house are looking for [ranches] and buying, including boomers but also young families who don't want to be running up and down the stairs," said Alan Hess, author of the book "The Ranch House," who said there is a growing market for the homes in the resale market, even though their heyday was in the 1950s and 1960s.
Big tax bills can devastate your retirement savings. MarketWatch's Robert Powell and Andrea Coombes talk about strategies to employ before and during retirement to lower your taxes.
Check out the new
MarketWatch Retirement
RetireMentors: In-the-trenches advice
Ways to boost Social Security payout
Retire here, not there: California
10 things your 401(k) plan won't tell you
"The old ranches provide an alternative for people," he said.
It's only recently that an increasing number of home buyers have been more interested in doing all of their living on the first floor.
In 1973, one-story homes made up 67% of new-home construction. That declined to 43% in 2006, before reversing course and rising to 46% in 2011, said Stephen Melman, director of economic services for the National Association of Home Builders, citing U.S. Census information.
While it may be too early to call a trend, it's only logical that there would be an increased demand for single-story homes among baby boomers and others, Melman said. About 90% of homeowners 45 and older say they want to age in place in their existing home, according to a study by the 50+ Housing Council of NAHB and the MetLife Mature Market Institute. And by 2020, nearly 45% of households will include someone 55 or older.
"When you think about the number of people who say they want to age in place, their biggest obstacle is climbing the stairs," Melman said.
And as people are living longer, boomers who have seen their own parents age in place often realize the benefits of single-floor living before they actually need it.
But the one-story homes being built today are "not your grandfather's ranch," Melman said. Modern one-floor homes are open and bright, with fewer walls, he said. It won't be advertised as a ranch by the developer, either; it will be advertised using the amenities that the home offers.
It's also becoming common for two-story homes to be built with the master bedroom on the first floor, said Denise Dersin, editor in chief of Builder Magazine, a publication for the construction industry. That creates a more flexible floor plan, a way to accommodate family members who can't trudge up the stairs or perhaps create a separate living environment for an adult child who moves back home after college. Upstairs bedrooms may accommodate grandchildren or other visitors, she said.
She sees that two-story design as more of a trend than new one-story designs, adding that the bump in one-story new homes may have more to do with the industry trying to create affordable models for buyers.
New construction aside, those who want that one-floor living in a resale home may be giving ranches another look, she added. That's especially true of people who need to move but want to stay in the same neighborhood, since there are only so many infill houses.
Ranches also tend to be affordable, the opposite of the conspicuous McMansion, and may suit more families at a time when consumers are looking to buy only as much house as they need, Hess said.
To help older ranch homes get with the times, alterations to change the face of the homes can be quite successful, said Phyllis Harb, a real-estate agent with Prudential California Realty in La Canada, Calif.
There are other options for single-story living, too. Tudor style homes can also be single-story, she pointed out. Prairie or bungalow homes are also often built so that most of the living is done on one floor, Melman said.
The availability of one-story homes also has to do with location. Where land is dear, often the only affordable option is to build up, Melman said.
Of course, for those considering a home's ease of use during retirement, one downside of living in a ranch is that it is often spread out on a larger lot—meaning owners won't escape the maintenance of a bigger yard.
Still, avoiding those five or six trips up and down the stairs each day may be worth it. That's true not only for those nearing retirement, Harb said.
In general, she has more clients today who say they'd prefer a single-story home than those who would prefer a two-story home.
"Interest rates are low, and none of us know how long they're going to remain low. It may likely be that there isn't a 'move-up home.' This might be their 'forever home,'" she said, causing buyers to select a place with features they can live with today as well as what will suit them tomorrow.


text:
exercise bikes
- Residential Upright Exercise Bike with i.Concept on Clearance – BH Fitness (CS6i)Special Price $799.00 was $1,399.00
Exercise Bikes remain some of the most popular aerobic exercise machines to stay in shape, burn calories, and lose weight. Not only are they low impact and comfortable since the exerciser is in a seated position, but they are easy to use and require little coordination or learning curve as you ride your way to better cardiovascular health. There are many different types of brand new exercise bikes for you to consider for home use and club use. You may also want to look at remanufactured and refurbished commercial exercise bikes for best value in club purchases, military GSA requisitions, and GPC government purchase card spending.
Upright Exercise Bikes - When someone envisions a traditional stationary exercise bike, the first thing that comes to mind is usually an upright exercise cycle. Upright fitness bikes are designed so that the rider sits above the bike frame and almost directly over the pedals. Smooth, frictionless resistance is created by magnets that move closer or farther away from a metal flywheel, or by electromagnetic resistance in the case of many commercial self-generating bikes. Electronic resistance can also allow for programs to take the rider through variable resistance profiles to simulate riding through hills.
Recumbent Exercise Bikes - Recumbent bikes position the rider into a semi-reclined alignment lower into the bike frame with legs outstretched in front and pedals more in-line with the seat rather than below. In a reclined position the glutes are much more engaged meaning your butt gets a better workout. A wider seat eliminates "saddle fatigue" commonly associated with an upright bike and the angled back rest allows for comfort and support for the lower back. In an outstretched position, a rider's blood pressure is lowered, which means that there is less perceived exertion during the exercise. For all these reasons recumbent bikes have gained the reputation as being the most comfortable exercise bikes to ride.
Indoor Cycling Bikes - Indoor cycles create an experience most similar to riding on the open road. The rider is positioned with a high seat and extended over racing style handlebars. Adjustability in handlebar and seat height, as well as fore/aft position of the saddle-style seat, create the perfect fit for every rider. Since indoor cycles are designed with the avid cyclist in mind, many components such as cranks, drive systems, and pedals share common components with their outdoor counterparts, making for a smooth transition back and forth between outdoor and indoor workouts. A weighted flywheel provides strong momentum to keep the rider exercising vigorously and allows the rider to move off of the seat for a free-standing cycling motion similar to racing and riding uphill. Indoor cycles have taken group cycling classes to new levels of aerobic training popularity in health clubs across the nation.
Table Top Bikes - Upper body ergometers work much in the same fashion as lower body bikes, using pedals or handles that are attached to a bi-directional crank. Exercisers can work all the upper body muscles such as shoulders, arms, chest and back, and then move the ergometer to the floor and use with the legs as a more traditional lower body cycle while seated in a chair. Table top bikes are great for office settings and rehabilitation.
Safeware Protection Plans offer up to 5-years peace of mind on your next cardio equipment purchase. Ask your Ironcompany cardio equipment specialist for more info today!
Need help with finding the best exercise bike to fit your fitness routine? Let an Ironcompany.com fitness equipment expert assist you today at 1-888-758-7527.


text:
Plasticulture equipment to help you handle and install floating row covers and tarpaulins in your fields. You can install and remove plastic mulch films, store them easily, then install your low tunnels.
2 Item(s)
View as:
Currently Shopping By
Shopping Options
© 2019 Dubois Agrinovation. All right reserved.
e-Commerce site creation: Reptiletech


text:
The coolest girl in the world - duhh! How many girls have you met that can talk hoops legit? ;-)
Hey if you are still looking to move Bogut, I could offer Wallace or Martin. If you are looking for a longer term deal, I can sign and trade one of Sessions, Jason Smith, Vasquez or Boozer.
Sorry, Josh Smith and Rubio are basically my only players I rank higher than Bogut. Plus I have them locked in for 3 years. Bogut I would have to re-sign next year. Maybe if it was Jordan. But doubt you are interested in moving him.
I could see my way to parting with Deng, plus a bit piece.
yo mack get your boy apollo to put me back in the fantasy league... if you dont remember me all you need o kno is i came 2nd in last years league and for some reason im kicked... i want in.... thanx
Happy Birthday mofo!!!!
Raptors Republic All-Star
Super Moderator


text:
Yesterday, I attended the fabulosity that was the L'Ormarins Queens plate. Thanks to darling Galia and the girls at Greater Than, the PR company that put the whole shebang together, I scored Stud Club tickets! (Woo hoo!)
For those of you who don't know, Stud Club is, like, the ultimate VIP tent. It's right next to the track, so you get to watch the horsies run by within metres of your nose.
They also have L'Ormarins on tap and serve up a yummy buffet lunch.
See those burgers? They were delish – despite the fact that le evil photographers made a point of telling me that they were made from the meat of the ponies that didn't do well at last years' race…
One of the first gorgeous people I ran into while there was Top Billing's Lyndall Jarvis. Isn't she divine?
She was sporting the prettiest blue nail polish which she actually makes herself. Girl doesn't like much of the polish she sees in the shops, so she mixes them up with a clear top coat ('any will do, just as long as it's shiny', she says) to make her own custom colours. Love that!
Tammy-Anne Fortuin was also there, doing her interview thing for All Access. I love that she does her own make-up yet always looks ultra glam.
I also got to chat to Jen Su, who's absolutely lovely.
I once attended the media launch for a new toothpaste and she was the guest speaker. Rekcon she's the only girl in the world who can make a half hour spiel on plaque-busting interesting to listen to. She was also brave enough to let a little camera rove around her mouth to show us just how clean it was. Gotta love this girl!
Oh! And here's a shot of moi placing all my money on a pony called Lemonade.
Look at me grinning like a tit – just loving it – totally in the dark about how this stupid beast would come stone cold last and alleviate me of my cash. (I'd picked this horsie as I thought the name was cute, but it turns out 'Lemonade' was really just a lemon…)
I also got to catch up with Michelle McClean, who looked breath taking in a gorgeous Kluk CGTD gown.
Don't you just love this piccie of her and Nicola Breytenbach? Together they look as gorgeous as an Estee Lauder print ad.
Liezel van der Westhuizen was also there, rocking Blue Collar, White Collar shorts that matched her man's tie.
This is the second time I've spotted her out in zexy-looking kortbroek, but then again, if I had legs like hers, I'd probably live in cut-offs.
Another hot blonde out and about? Roxy Louw, looking the epitome of surfer girl chic.
I also got to dig around in Elana Afrika's make-up bag. Girl is a beauty journo's dream!
Alas, this pic makes it look like she's got a bos of flowers growing out the top of it, but I assure it was just a simple, elegant swirl of satin that she found in a vintage shop in Jozi called Reminiscence. Her rokkie, a lovely Thai silk affair, is something she had especially made up in the East. 'I'm sweating like crazy in this', she revealed, but it was totally worth it as she later nabbed 3rd place in the best dressed competition.
Another style winner? MAC make-up artist Kyla Rorke.
Kyla came second in the best hat competition, but really, it was her outfit that had me writhing in jealously. Doesn't she look absolutely stunsville?
While there, I also hung out with Mr Fitness SA, Jeff 'the Bod God' Tsoutos.
He was wearing his own label, DRanged Lifestyle, and made a point of telling Karis Piss and I how soft and delicious the fabric was. 'Just feel it on your skin…', he said, lifting up his shirt. (Any excuse to take your clothes off, hey cooks? 🙂 )
He and ex-Lotus FM jock, Omesh Authar, were putting out the vibe – twinsville stye – in matching sunnies.
And on the subject of cute boys… I really wanted to track down Aidan Bennetts, who's name I spotted on the guest list. I felt obliged, for the sake of my readers, to pin him down and expose his beautiful abs to the world once more. Alas, he was no where to be found, so I sunk into a semi-coma of depression and ate half a bowl of deep fried, peri peri corn.
See? That was full to the brim when I sat down, but I worked it down to nothing, despite Miss Karis leaning into my ear, hissing 'Stop that! What the hell are you doing?! It's sooo not worth the kilojoules!'
Still, I perked up somewhat upon spotting Gina Athen looking lovely in a Shanghai Tang dress she picked up from their boutique in Sloane Street, London.
I was totally feeling her girlie pink gloss, Clinique Colour Surge Impossibly Glossy Lip Gloss in Prettiest Pink.
And aren't you totally jealous of her Armani handsak? I'm quite sure that it's very, very real – not like my beloved Jimmy Choo knockoff that was probably put together by orphans tied to chairs in a sweat shop…
I've actually got piccies of Gina and Lyndall sitting on my desk at work right now. I'm currently tweaking the copy for Woolies' new push-up bra insert which features both girls looking amazeballs. (Looking back, this probably explains why I had excessive amounts of boys lurking about my desk last week…)
Oh! And Fashion Jazz was there too with ex-Wonderbra babe, Lieschen Botes.
Love their nails?
Also got to chat to La Muse and her man Seth Rotherham, he of 2Oceansvibe fabulousness. They made a very dapper pair, what with her in a Jackie O-inspired Only One creation and he in a sexy panama hat.
This dude, however, took the cake for me. I've spotted stylist Linda Makhanya out a couple of times now and he never fails to impress me with his uber-stylish outfits.
Last, but not least, I got to say a quick hello to Jeannie D. She's still talking to me, despite having sent me a threat to end my life should I not get onto Blackberry messenger.
Love her lashes? They're MAC falsies. I wish I'd managed to snap her from the side – they were so long and beautifully curly, she looked like modern day Elizabeth Taylor a la Cleopatra.
In all, this was an amazing day out. I wish I'd stayed long enough to catch Locnville and Gazelle, which I heard were awesome, but I was overcome by
drunkenness fatigue and decided to grab a cab home and snuggle with my sleepy Snoek, who I showered with all the (melted) dark chocloate Lindt bolletjies I managed to pinch from the promo girls. (Score!)
So, did you go? And did you have fun too?
Love, love
x x


text:
Spring semester financial aid was scheduled to disbursed on January 13, 2014 for students with completed financial aid files for the 2013-2014 academic year. Funds were disbursed electronically to the student's tuition account. This is not the date you will receive a direct deposit refund for living expenses. For refund estimation times please contact the Student Accounting Office at 312-567-3794 option 5 or email firstname.lastname@example.com.
All loan funds, federal, and private, are posted directly to the student's account according to the scheduled disbursement date.
If you have any questions regarding the status of your refund check or charges on your account, please contact the Student Account's Office at 312-567-3794 option 5 or email firstname.lastname@example.com.
If you have any questions regarding the financial aid funds that have been credited to your account, please contact the Office of Financial Aid at 312-906-5180 or email firstname.lastname@example.com stop by suite 230.
Please be aware that full tuition and Honors scholarships for continuing students are initially based on your fall enrollment as of January 13th. All full tuition and honors scholarship awards for continuing students will be adjusted to actual enrollment after the last day to add and drop classes.
Kent Scholarships for the spring 2014 semester have been posted to the accounts of all eligible students. If you have questions about your scholarship eligibility or if there seems to be a problem with your scholarship award amount please contact the Office of Admissions at 312-906-5020.
Generally, in order to be eligible for your scholarship you must be enrolled in at least 12 credits. In some cases, the Office of Admissions allows graduating students to receive their scholarship when taking less than 12 credits. Please contact the Office of Admissions for further confirmation.
If will be less than half time in the spring 2014 semester, please notify our office as soon as possible of your enrollment intentions and credit hours, if you have not done so already. Your award will need to be revised for the fall semester only. Please send us an email at firstname.lastname@example.com.
Q: Are you a full-time graduating JD student that is planning to take less than 12 credits in either fall 2013 or spring 2014? If yes, please read the information below and follow the instructions to ensure that your financial aid disbursements for 2013-2014 are not delayed.
A:Your financial aid award and cost of attendance are based on your registration in the minimum credits required for your program and enrollment status. As a full-time day student, your initial cost of attendance is based on your enrollment in 12 credits per semester. We are aware that many full-time students take less than 12 credits in their last 2 semesters. For this reason, if you are taking less than 12 credits please be aware of the following:
Q: It looks like my 2013-2014 financial aid package is a lot smaller than the financial aid package that I received as a first year law student, is this correct?
A: Yes, for most students this is correct and here are the reasons why:
Please note, the Office of Financial Aid cautions students against borrowing up to the Cost of Attendance limit.
Federal Direct Stafford Loan: 1.072%
Federal Direct Plus Loan: 4.288%
Federal Sequestration Impacts Loan Origination Fee Increase on December 1, 2013
As of December 1, 2013 the loan origination fees on the Federal Direct Stafford and Federal Direct Plus Loan will increase for the remainder of the 2013-2014 academic year and be effective until October 1, 2014. The new loan fee percentages will apply only to loans where the first disbursement of a loan is made on or after December 1, 2013.
To help you determine whether this change will affect your 2013-2014 Federal loans, we have provided a few examples of different loan scenarios. See the examples and chart below for further explanation:
Charged New Origination Fee:
Example 1: A student accepts a loan on the myIIT portal for the first time before or after November 30, 2013 and has an incomplete file. The first disbursement is scheduled after November 30th, therefore the newly accepted loan will be subject to the new origination fee.
Example 2: A student requests to increase his existing Graduate Plus Loan after November 30, 2013. His existing Graduate Plus loan was approved with an endorser/co-signer. Increasing a Graduate Plus loan that was initially approved with an endorser requires a new loan origination record and a new endorser application. Since the loan increase will require a new loan origination, the first disbursement of this loan increase will occur after November 30th, and as a result will be subject to the increased loan origination fee.
Example 3: A student accepts his 2013-2014 Graduate Plus Loan in July 2013 but the loan is pending for credit. The student decides to appeal the credit decision with Direct Loans. The student works with Direct Loans and gets the credit appeal approved after December 1, 2013. As a result the first loan disbursement occurs after November 30th, therefore it will be subject to the increased loan origination fee.
Charged Old Origination Fee:
Example 1: A student requests to increase her existing Graduate Plus Loan. The student was approved based on their credit only, without an endorser or credit appeal. The first disbursement of the existing Graduate Plus loan occurred on September 12, 2013. Since the first disbursement occurred before December 1st the loan increase is not subject to the origination fee increase.
Example 2: A student accepts a Stafford Loan via the myIIT portal on November 10, 2013. The fall portion of the loan is disbursed on November 27th. Since the first disbursement occurred before December 1st the loan is not subject to the origination fee increase.
Loan Type
Impacted Loans
Loan Fee
Fee on a Loan Amount Of
First disbursed on or after July 1, 2013 and before December 1, 2013
$215.46 on a $20,500 loan
First disbursed on or after December 1, 2013 and before October 1, 2014
$219.76 on a $20,500 loan
Direct Plus Loan
$420.40 on a $10,000 loan
$428.80 on a $10,000 loan
As a result of the recent Bipartisan Student Loan Certainty Act of 2013 federal student loan interest rates for the 2013-2014 academic year have been lowered to 5.41% on the Federal Direct Stafford Loan and 6.41% on the Federal Direct Plus Loan. The new law amends the Direct Loan interest rate section of the Higher Education of 1965.
For more information see the Department of Education website: http://studentaid.ed.gov/types/loans/interest-rates
Has it been 3 weeks since you completed your FAFSA and you have not received a financial aid award for the 2013-2014 academic year? If so, follow these instructions to make sure your FAFSA information is sent to the Chicago-Kent College of Law, Office of Financial Aid.
Go to www.fafsa.ed.gov and view your Student Aid Report (SAR). Make sure the Chicago-Kent College of Law school code E00773 is listed on your FAFSA. Once you correct the school code it will take 1 to 2 weeks to receive a Financial Aid award notification.
If you have the correct school code listed on your FAFSA, check your SAR comments. Your SAR comments will let you know if the data that you entered on your FAFSA has caused an error that prevents your FAFSA information from being transmitted to the school. If there is a problem with the data that you entered on your FAFSA, please update the data elements requested. Once you update the information, it will take 1 to 2 weeks to receive a Financial Aid award notification.
If your comment codes are showing no problems and you have E00773 listed as your school code please contact the Office of Financial Aid so that we can find out why you have not received an award.
Chicago-Kent Scholarships have been posted to the accounts of all eligible students. A revised award notification email has been sent to all students that had scholarships added to their awards. If you received a scholarship it may have changed the amount of your Federal Plus or Federal Stafford Loan. For this reason, please use your myIIT account to view your financial aid award.
Scholarships for day division students enrolled in less than 12 credits for the fall semester will be posted after the Office of Financial Aid receives approval of your scholarship from the Admissions Office.
Full tuition scholarships are based on 12 credits. Revisions to scholarship amounts for increased/decreased credits will occur after the add/drop period for the fall semester. You will receive a revised award notification email when it is finalized.
If you have question about your scholarship eligibility or if there seems to be a problem with your scholarship award amount please contact the Office of Admissions at 312-906-5020.
In order to qualify for financial aid for the 2013-2014 academic year (Fall 2013, Spring 2014, Summer 2014), you must complete the 2013-2014 Free Application for Federal Student Aid (FAFSA). The deadline to complete the 2013-2014 FAFSA is June 30, 2014.
You can complete your FAFSA online at http://www.fafsa.ed.gov. In order to apply you will need your Personal Identification Number (PIN). Please remember to include our school code, E00773, when completing your FAFSA and keep in mind that the school name will be listed as Chicago-Kent College of Law.
Need help completing the FAFSA? The Department of Education provides several helpful resources with complete instructions, including videos, and phone numbers if you need more help.
If you still have not accepted or declined your loans, please do so as soon as possible. You must use your myIIT account to accept/decline your loans. If you do not accept your loans, we cannot process them. That is why we urge you to accept them now to avoid delays with disbursement. If you do not wish to wish to receive any of the funds, you may decline the loan(s) using the myIIT portal.
Please select one of the options below on the myIIT portal at: https://my.iit.edu/cp/home/displaylogin.
Accept: If you wish to receive any portion of the loans still listed as offered, you must accept the funds. Also, please be aware that you may be required to complete a Master Promissory Note and Loan Entrance Counseling with Direct Loans at studentloans.gov before the funds can be disbursed. Please refer to your 'Requirements' section on the myIIT portal.
Decline: If you do not wish to receive any of the funds still listed as offered please decline the loan(s) using your myIIT portal.
If you have been granted permission to study abroad through Chicago-Kent College of Law and are borrowing educational student loans to meet your educational costs, please complete the Chicago-Kent Study Abroad Application Form with the Office of International Law and Policy, and obtain the Office of Financial Aid signature, or submit a copy of the form. Please be sure to list the program name, semester of study, and credit hours. The financial aid process for the study abroad program can take 4 to 6 weeks.
If credit is approved by home school (Chicago-Kent), student may be considered enrolled at home school for financial aid purposes. You must still follow the same eligibility criteria as if you were taking classes at Chicago-Kent. You must complete a FAFSA, be enrolled at least half time, and be degree seeking. Please be aware that your Cost of Attendance during your study abroad term will be based on the living expenses and tuition charges of the program, not the standard Chicago-Kent budget.
The Office of Financial Aid does not determine the Cost of Attendance for host schools. For this reason, it is very crucial for each student to thoroughly research the host school's charges and costs of living prior to their departure. It is the students responsibility to budget themselves until their financial aid is processed.
If you have been granted permission to study at another law school for credit toward your Chicago-Kent law degree and are borrowing educational loans to meet your educational costs, you must notify the Financial Aid Office as soon as possible. You must complete the Financial Aid Request Form to Visit Another Law School, if you wish to use federal student loans.
We will ask the host school's Financial Aid Office to complete a Consortium Agreement with cost of attendance amounts, and their Registar's Office to provide enrollment verificaion with dates of attendance, and credit hours.
Once we receive all the required documentation from the visiting school, we will finalize your financial aid award, and you can accept the loans you wish to borrow on the myIIT portal. The funds will be scheduled to disburse to your student account according to your enrollment period at the visiting school. If you are expecting a refund, the Student Accounting Office will process it. It is the students responsibility to pay tuition at the visiting school. Please be sure that you have set up direct deposit of your refund.
To avoid delays, please submit any requested documentation as soon as possible.
Please follow the steps below to see if you still have missing requirements:
Please note that completing the Financial Aid Awareness Counseling does not satisfy the Loan Entrance Counseling Requirement. It is an optional counseling session that covers the basics of financial literacy. The required counseling session is called Loan Entrance Counseling. Please see our website sections entitled "Loan Requirements" and Forms and Worksheets."
Once you complete your Master Promissory Notes (not loan application) and Loan Entrance Counseling via the Department of Education's website, it may take up to 2 weeks for your required document status on the myIIT portal to reflect this. If it has been over 2 weeks since your completion of a Promissory Note or Loan Entrance Counseling and your documents status on myIIT is still showing not received, please contact our office.
If you were awarded the Perkins Loan please check your Kent email (or your IIT e-mail address on the welcome screen of your myIIT portal, as communications could be sent there), for information from the IIT Perkins Loan servicer, ECSI, on completing the Promissory Note and Entrance Counseling. Students that competed this requirement as of the 2011-2012 academic year are not required to complete this requirement again. This maybe marked as spam in your mailbox, but it is not. You will not be able to complete the promissory note online if ECSI does not have your information on file that is why we ask that you wait until you receive an email notification. However, if mid-August has passed and you have not completed this requirement, please contact ECSI directly at 1-888-549-3274 and state that you are attending the IIT Downtown Campus. Also, for more information see the Student Account's (formerly Bursar's Office) website at:
Please be aware that the university allows students the option of having their financial aid refunds direct deposited into their checking or savings account. The university encourages all students to sign up for direct deposit. Click here for more information on the new TouchNet service.
The Office of Financial Aid is dedicated to assisting students in financing their education and making financially informed and responsible decisions. Please feel free to contact our office at any time during the office hours listed below.
Office Hours
- Suite #230
Monday-Thursday ~ 8:30 a.m. to 6:00 p.m.
Friday ~ 8:30 a.m. to 4:30 p.m
Phone: (312) 906-5180 - Fax: (312) 906-5274
Email: firstname.lastname@example.com
Bar Examination loans are intended to assist students in paying for bar preparation courses and meeting other financial needs while studying for the Bar Exam.
Students may submit the application for the Bar Exam Loan funds during their last year before graduation. The terms, conditions, and credit criteria for Bar Examination Loans are similar to those for alternative loan programs. Unfortunately, students with negative credit ratings are generally not eligible for Bar Exam loans.
To apply for a Bar Examination Loan, review the Bar Loan Information, on our website. Once you are approved, the lender will contact our office to certify your loan. The funds will be disbursed directly to you from the lender.
Did you know that you are now able to
receive a free credit report once every 12 months?
We encourage students to review their credit reports
annually to check for inaccuracies and identify any
suspicious activity.
To receive your free credit report,
please visit the following link: http://www.annualcreditreport.com.
This central site allows you to request a free credit
file disclosure, commonly called a credit report,
once every 12 months from each of the nationwide consumer
credit reporting companies: Equifax, Experian and
Please be aware that other sites may
advertise free credit reports, but this is the only
site that is sponsored by the federal government and
the three nationwide credit reporting agencies. Other
sites may charge fees.
Main Chicago-Kent event
Academic calendar
CLE calendar
Alumnae/i event calendar
Admissions calendar