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Texas leads U.S. in greenhouse gas emissions
As the nation's light switch and gas pump, Texas releases far more greenhouse gases into the air than any other state, according to federal data released Wednesday.
Texas' coal-fired power plants and oil refineries generated 294 million tons of carbon dioxide and other heat-trapping gases in 2010, more than the next two states - Pennsylvania and Florida - combined, the data shows.
The Environmental Protection Agency released the data by industrial facility for the first time as part of a broader effort to reduce emissions linked to global warming.
The agency collected data from more than 6,700 industrial facilities that release at least 25,000 tons of greenhouse gases into the air a year. The threshold is comparable to the emissions from burning 131 railcars of coal, the EPA said.
While industry-heavy Texas' ranking did not surprise, environmental groups said data shows the need for federal regulation of greenhouse gases. The EPA said new rules for emissions of heat-trapping gases from power plants and other major sources could be released by the end of the month.
"It highlights the need to take action, especially considering the extreme weather we have seen lately," said Luke Metzger, director of Environment Texas, an advocacy group.
'We're doing our part'
The American Petroleum Institute, a leading industry trade group, said the federal data proves that there is no reason to include oil refineries in any new rules because they generate a small fraction of the nation's greenhouse gas emissions, compared to coal-fired power plants.
"Air quality continues to improve, and we're doing our part," said Howard Feldman, API's director of regulatory and scientific affairs. "The last thing we need now are more burdensome or unnecessary regulations that will create a drag on business efforts to invest, expand and put people back to work."
Texas has become a key front in the battle over federal regulation of greenhouse gases. The state, which has more facilities in the new EPA database than any other, has filed several legal challenges to block the agency from imposing the rules, but has yet to win in court.
Gov. Rick Perry and other Texas officials have said the federal efforts are based on faulty data and will harm the state's economy.
In Texas alone, 673 power plants, refineries and other large industrial facilities reported their greenhouse gas emissions to the EPA. California had the second-most facilities in the new database with 456.
Of the Texas facilities, six power plants and Exxon Mobil's Baytown refinery ranked among America's top 50 emitters of greenhouse gases, the data shows.
Luminant's Martin Lake coal-fired power plant in Rusk County was the state's leader in 2010, emitting nearly 19 million tons of carbon dioxide and other heat-trapping gases. It ranked fourth nationally.
'Another reality check'
Coal-fired power plants accounted for 61 percent of the state's greenhouse gas emissions, while oil refineries and chemical producers contributed 15 percent and 13 percent, respectively.
More Information
The Environmental Protection Agency's new inventory of greenhouse gas emissions by facility can be found at ghgdata.epa.gov.
"This is another reality check for the state," said Elena Craft, a scientist for the Environment Defense Fund. "The data shows that power plants and refineries are mostly responsible for these emissions, and it's time for the state to accept responsibility."
Gina McCarthy, the EPA's air quality chief, said the information would help governments and industry cut emissions of greenhouse gases, just as the agency's annual inventory of toxic releases does.
The emissions data is reported by the facilities, but McCarthy said she believes it is reliable.
"Industry has done a very good job," she said. "This is robust, reliable and consistent data."


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Chronicle 3. MYCENAE: FROM KNOSSOS TO TROY
Χρονικό 3. ΑΙΓΑΙΟΝ: ΚΝΩΣΟΣ, ΜΥΚΗΝΑΙ, ΙΛΙΟΝ
AS HEIRS of the Minoans, the Mycenaeans assumed control of the "Tin Routes" – that is, the maritime trade network of metals from the Occident. Their acme lasted for about 250 years until the Bronze Age collapse. This extensive network sheds some light on the reason why Mycenaean artifacts have been found well outside the limits of the Mycenaean world: swords located as far away as Georgia in the Caucasus; an amber object inscribed with Linear B symbols in Bavaria, Germany; double axes and other objects from the 13th century BCE in Wessex and Cornwall, England, and in Ireland. There is convincing evidence that during the final phase of construction of Stonehenge in Wiltshire, around 1600 BCE, the builders were in commercial contact with "the great contemporary Mediterranean civilizations of Minoan Crete, Mycenaean Greece, Egypt, and the ancestors of the travelling-trading Phoenicians," as said.(a) The grave of a Mediterranean teenage boy that died ca 1550 BCE and several items of Mediterranean origin have been found in the burial ground of Stonehenge.
The Mycenaean period (ca 1600–ca 1100 BCE) is the historical setting of much Hellenic literature and myth, including the Epic Cycle and Greek tragedy. Historians have traditionally blamed the collapse on an uprising or an invasion by another Hellenic ethnic group, the Dorians, though at least one of the Mycenaean centres, Pylos, was most probably destroyed by the so-called Sea Peoples.(b) There are also theories of natural disasters or large-scale drought, which could have contributed, as well. The movements of people from the Balkans and Anatolia to the Near East at that time were quite real. The internal factors theory has the Mycenaean civilization falling in the course of societal conflicts brought on by a rejection of the palatial system by the underprivileged strata of society, who were quite impoverished by the period's finale. Another hypothesis mingles social with ethnic divisions. In this context it has to be stressed that the Iron Age made large numbers of comparatively cheap weapons accessible to all. War was no longer a privilege of the aristocracy. The iron weapons were not as good as the bronze ones, but they could still kill… (See the previous Chronicle 2).
Mycenaean settlements were not confined in southern Hellas, but also appeared in Epirus, Macedonia, islands of the Aegean, the Asia Minor coast, Cyprus, Canaan and Italy. The towns were well fortified, in contrast to Minoan Crete. The best Mycenaean palaces were excavated at Mycenae , Tiryns, and Pylos. They were the heirs of the Minoan palaces but inferior to them. The heart of the palace was the megaron, the throne hall. Staircases found in Pylos indicate that the palaces had two stories. Located on the top floor were probably the private quarters of the royal family. Supreme power appears to have been held by a king, identifiable in the Homeric ἄναξ ('divine lord', 'sovereign', 'host'). His role was military, judicial, and religious. Occurrences of the word in texts having to do with offerings suggest that the sovereigns were worshiped. Apart from that, no priestly class has yet been identified. Furthermore, it remains problematic to pick out a place of worship with certainty. It seems that many gods and religious conceptions of the Minoans were fused in the Mycenaean religion, the mother of the classical Greek religion. The Eleusinian mysteries were established during the Mycenaean period on a pre-Hellenic vegetation cult with Minoan elements. Demeter and other gods appear in Arcadian myths as animal-headed. Representations of processions with animal masks, or of 'daemons', remind us of the Hellenic myth of the Minotaur. Dionysos, the only Greek god who died in order to be reborn as he often appeared in the religions of the Orient, was related to the Minoan myth of the 'Divine Child' who was abandoned by his mother and then brought up by the powers of nature.(c) Mycenaean painting was very much influenced by Minoan art. Bull-jumping frescoes are found at Mycenae and Tiryns, as well. However, the Mycenaeans depicted the animals only in relation to man or as victims of the hunt, and thus displayed a different relation to nature compared to the Minoans.
- (*)
Commerce remains curiously absent from the written sources in Linear B. However, it is known that the Minoans exported fine fabrics to Egypt; the Mycenaeans no doubt did the same. Most probably they borrowed knowledge of navigational matters from the Minoans, as is evidenced by the fact that their maritime commerce did not take off until after the collapse of the Minoan civilization. It seems that certain products, notably fabrics and oil, even metal objects, were meant to be sold outside the kingdom, because they were made in quantities too great to be consumed solely at home. Pottery was also produced in great quantities. Especially after the conquest of Minoan Crete, production increased considerably, notably in Argolis, the area of Mycenae, with great numbers exported outside Hellas. The products destined for export were more luxurious and featured heavily worked painted decorations incorporating mythic, warrior, or animal motifs. The Mycenaeans' network extended as far as southern Spain, Britain, and central Europe, while their pottery has been found in Sardinia, Sicily, southern Italy, the Aegean, Asia Minor (amongst others at the old settlement of Miletus where high-quality Minoan and Mycenaean ceramics have been recovered), other parts of Anatolia, Cyprus, Canaan and Egypt. Minoan and Mycenaean foreign trade is one of the most important chapters of the Bronze Age history and an open challenge to every archaeologist and historian.
The Mycenaean maritime commerce did not take off until after the collapse of the Minoan civilization. Especially after the conquest of Crete, production of goods meant to be sold outside the kingdom increased considerably…
The Mycenaeans, as conquerors of Crete, became heirs to the Minoan thalassocracy; but they did not last long. The Trojan War, that took place in 1194-1184 BCE according to Eratosthenes,(d) the Sea Peoples' raids, and the great instability of the epoch, led to their downfall during the Bronze Age collapse. Many historians believe the transition to the Iron Age was violent, sudden and culturally disruptive. The Aegean and Anatolian palatial civilizations were replaced, after a hiatus, by the isolated village cultures of the so-called Greek Dark Ages, which were dark, indeed, but not only Greek. In just 50 years, in the first half of the 12th century, the downfall of the Mycenaean world and the Hittite Empire, the catastrophe in Syria, Canaan, and Egypt, and the cultural collapse that followed, resulted in the interruption of trade routes and the severe reduction of literacy. The Mycenaean Linear B writing was forgotten. The Hellenes would need to re-invent writing in the late 9th or early 8th century BCE.(e) In this period almost every city was violently destroyed and often left unoccupied thereafter, such as Hattusa, the Hittite capital, Mycenae, and Ugarit. Troy was destroyed at least twice, before being abandoned. Fewer and smaller settlements suggest famine and depopulation.
The Trojan War was just an act of this tragedy on a big scale involving numerous ethnicities: the fighters in the alliance of Troy are depicted in the Iliad as speaking various languages and thus needing to have orders translated to them by their commanders. On the Greek side instead the Trojan campaign was anything but Pan-Hellenic: even the great hero, Achilles, tried to evade 'conscription' disguised as a girl in the palace of Skyros! Several areas, e.g. Macedonia, Epirus, and in part Thessaly, stayed away, probably because they were under the control of the Dorians, who would proceed to the Peloponnese some time later, filling the vacuum created by the demise of the Mycenaeans. None of the palaces survived and up to 90% of small sites were abandoned suggesting depopulation on a major scale. Athens and some other cities continued to be occupied but with a more local sphere of influence, limited trade and an impoverished culture, from which they took centuries to recover. The Dark Ages would last for more than 400 years. After ca 1100 BCE, the decoration on Hellenic pottery lacks the figurative adornment of Minoan or Mycenaean ware and is restricted to simpler, generally geometric styles (1000–700 BCE). It's the reason why this age is also called Geometric, or Homeric, due to the composition of Homer's epics, ca the 8th century, and the entire Epic Cycle. Those epics, a by-product of the new alphabet and inspired mainly by the Trojan War and its repercussions that would later feed the tragedians' imagination, together with the emergence of the Greek poleis in the 9th century, were the first signs of recovery in Hellas.
The catastrophe was even worse in Anatolia. Every important site shows a layer of destruction. Here civilization possibly did not recover to the level of the Hittites for another thousand years. Cyprus witnessed two waves of destruction: by the Sea Peoples ca 1230, and by Aegean refugees ca 1190 BCE. In Syria, Ugarit was burned to the ground. In addition, the cities along the coast from Gaza northward were destroyed. However, strangely enough, the raids did not affect the Phoenician cities; they were confined in southern Canaan. Assyria, who was protected by the best army in the world, also remained intact; nevertheless, it withdrew to its borders for a long time. As for Egypt, although victorious against the invaders and surviving for a while, it succumbed some time later. Robert Drews describes the Bronze Age Collapse as "the worst disaster in ancient history, even more calamitous than the collapse of the Western Roman Empire". A number of people referred to the cultural memories of the disaster as stories of a "lost golden age". Hesiod e.g. spoke of Ages of Gold, Silver and Bronze, separated from the modern harsh cruel world of the Age of Iron by the Age of Heroes. It seems that the disruption of long distance trade, an aspect of the so-called 'systems collapse', cut easy supplies of tin, making bronze impossible to produce.
The disruption of long distance trade cut easy supplies of tin, making bronze impossible to produce.

subset: commoncrawl


text: "No representation is made that the quality of the legal services to be performed is greater than the quality of legal services performed by other lawyers." Note: Any city or county designation in this site is to indicate that we have or will handle cases in the cities and counties named. Call us today at (866) 348-2889.


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Last Saturday night at the 9lb Hammer, in Georgetown, was the 5th Art Jam where local artists came out to create live art. All the art was for sale that same night, and to keep things affordable, as always, nothing is ever over $50 bucks.
In no particular order, thanks to everyone that came out in the rain, to come see local artists do their thing. Secondly, thanks to the 9lb Hammer for letting us put this on, once again, and thanks to all the people that pitched in and gave up their time to help out. It takes more time than you think to put this together, and break it all down, and every little bit helps. Also, for the people that might not know, the sales of the art goes right back to the artists, and Art Jam takes a small piece so that we can replenish supplies and recoup advertising costs. Last, but not least, a special thanks to Corrie Greening, my partner in crime, in all this, who still comes all the way from Portland to help put this all together and make it run smoother and smoother every year, and more importantly, keeps me organized.
Here's the cleanest these easels will ever be until the artists are let loose on the boards.
Jam packed with people, and a whole lot of paint. We also had a surprise visit from Catherine Anstett from the Seattle Weekly. She took some really great pics that you can find here.
Local illustrator, and comic artist Shane White is always the first to show up, and the first to finish.
Shane kicked out this crazy close encounter for his second solo piece. Thanks for those pics Jess!
Finally got to bring out John Osgood to the event. I met him last year at the Seattle Hostel project. He's one of the residence of Bherd Studios in Greenwood. You should definitely check out the Greenwood art walks. Great scene going on up there.
Local Georgetown tattoo artist, Jobby Dorr from Art Core studios was back with a vengeance.
Recently back from showing her work at Miami's Art Basel, Maija Fiebig returned to Art Jam to paint these two beauties. She made some new art fans that night. Always great to introduce people to local artists they might not normally get to meet.
Local painter, comic artist, (and Samurai armor collector) Brian Snoddy was feeling the dark side that night. If you want to see some amazing looking, historically accurate, samurai gear, painted in gouche no less, check out his site.
Local Georgetown painter John Ohannesian was also back to get his painting on.
Memo Diaz was in attendance to bring the funk.
Here's my partner in crime, Corrie Greening and Dave Mazak, doing a collab piece. This was one of my favorites to watch because the finished piece looks nothing like how it began.
Georgetown artist, Ed Matlock was all in with a take on one of his signature playing cards. King high, Matlock?
We finally got a local Georgetown artist Dylan Pharaoh to come out and do some art. I think Dylan gets the prize for the youngest artist, to attend Art Jam.
Another tattoo artist from Art Core Studios was Chris Gay. Always great to see Chris create his collage type, paintings.
Steve Wright, another artist form Georgetown, didn't hesitate to get up on the boards and crank out these faces.
Chris Pfeifle, a.k.a. Bob Ross was also back in attendance.
The art team of Lawrence Ruelos and Emily Dohler Knox collabed on this piece. Very cool mix of styles. The young lady that walked away with this one got a steal! (Thanks for the pics guys!)
Mike, from Georgetown's Jem studios, kicked out this gator with a Seattle shout out.
This was the second Art Jam for Angelina Villalobos aka 179. Hard to not recognize her unique style.
Johnny O'Brady is another artist I meet at the Seattle Hostel project. It was great to see him come out and do his thing.
Johnny brought a stack of paintings to paint on of these gorgeous women that had a nice mono chromatic look to them. He kindly asked me to paint on one. I was pretty hesitant to add any paint because I love how they look already. Maybe I should have been a little bolder, but I just added a wash, tinted the eyes and lips, and called it done.
(Yes, I know the above pic is upside down. That's because Blogger is stupid.)
We finally got Mr. Dev Madan up on the stage. Dev's known for his video game work as well as his run on a few well known DC comics. Had blast collabing on this piece with him and Shane.
Anyway, that's the lowdown for Art Jam 5. I know I missed a lot, picture wise, as it's hard to coordinate, and get pics of all the different things going on (anyone have a good one of my owl? My pic sucks). There were roughly 20 or so artists and around 30 paintings that were created that night. Not bad. Probably our best event thus far. So good in fact, I had to use the word "thus". Thanks again everyone. Pat yourselves on the back. See you all at numero six!


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The new Path blur filter enables blurring along a motion path. The video below demonstrates how to choose the direction and speed of the blur, refine tapering and even distort the shape of the blur to add artistic effects. You'll also see how to add more than one path for additional control of the motion.
And here are some shortcuts for the Path Blur Filter:
• Command click the end of a path to set the End Point blur to 0 (zero).
• Shift -drag on the Blur Shape path to simultaneously change the direction of both Blur Shapes.
Duplicating and moving a path
• Command -click (Mac) | Control -click (Win) on the blue path or points to move a path.
• Option + Command -click (Mac) | Alt + Control -click (Win) to copy a path.
• Option -click (Mac) | Alt -click (Win) on a blue path curve point to convert it to a corner point (and vice versa).
Tip: an effective way to visualize what the path blur is doing is to make a white layer with a grid of black dots spaced about 50 pixels apart. Those dots turn into streaks that reveal what the blur shape is in local areas.


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This was published 6 years ago
Palmer accuses China's Citic of 'stealing Australian resources'
Billionaire miner Clive Palmer has accused Chinese company Citic Pacific of effectively "stealing Australian resources" after its president made a rare public statement warning other potential Chinese investors were carefully watching the warring partners' legal battle over mining royalties.
The comments by Citic Pacific president Zhang Jijing came on a testing day for the relationship between the two parties after the Federal Court ruled that Mr Palmer's company Mineralogy was the rightful operator of the port through which magnetite being is exported by Citic.
"Most other Chinese companies are watching our legal case . . . this is very important," he said.
Ownership of the port had been contested by both Citic and the Federal Infrastructure Department under what Mr Palmer claimed was ''a grab by the Chinese government for an Australian port''.
But in a judgment published on Thursday, Federal Court Justice Steven Rares determined that Mineralogy's control of the port was not relinquished merely because relations with Citic had broken down.
When asked if he would use the port ruling to stop Citic exporting, Mr Palmer said he would ''talk it over with my lawyers''.
A Citic spokesman said the ruling would not bring exports to a halt.
''The ruling does not relate to, and does not affect, ongoing operations by Citic Pacific. All necessary approvals are in place to allow us to continue to export,'' he said.
The dispute over operator status at the port is just one of several legal arguments that have been heard between Citic and Mineralogy. The two companies have fallen out since Mr Palmer struck a deal in 2006 to allow Citic to mine and process ore on his tenements.
The other unresolved legal stoush relates to how one aspect of the royalty agreement between the two parties - known as Royalty B - should be calculated.
Royalty B relates to the amount of magnetite concentrate produced by Citic and it was supposed to be calculated using the old system of benchmarked iron ore prices.
Benchmark prices were virtually abandoned by the iron ore industry about five years ago and, with that calculation no longer possible, Citic and Mr Palmer have been unable to agree on a new method.
''This was not a scenario foreseen in our original agreements … it needs to be resolved,'' Mr Zhang said in Melbourne on Thursday.
Despite the royalty uncertainty, Citic started exporting magnetite in December and Mr Palmer said the company was effectively ''stealing Australian resources''.
But Mr Zhang said such claims were ''just plain rubbish'', and he warned that future Chinese investment could be influenced by the outcome of the royalty stoush.
''Most other Chinese companies are watching our legal case … this is very important,'' he said.
Citic had wanted to resolve the matter behind closed doors.


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Message from the County Executive
Harford County Government needs you!
Public input is vital to efficient and effective county government in service of our customers, the citizens of Harford County. One important pathway for public input is through volunteer service on an advisory board or commission.
The many boards and commissions offer citizens with subject matter expertise, related experience, or simply a desire to serve, the opportunity to actively participate in county government. By county law, some boards and commissions have a set of guidelines to establish qualifications for membership.
As your seventh Harford County Executive, I am deeply grateful to the many volunteers who have given their time and talent to such service over the years. I encourage these volunteers, along with newly interested citizens, to apply for an appointment under my administration.
Finally, I offer my sincere thanks to all applicants for their interest in public service in Harford County - Maryland's New Center of Opportunity!
Barry Glassman
Harford County Executive
Adult Public Guardianship Review Board
This board is mandated by the Family Law Article of the State of Maryland Annotated Code, Section 14-402 and requires the board to perform six month reviews of Guardianship of Persons held by public agencies. The Office on Aging or the Department of Social Services makes a recommendation to the Circuit Court to either continue, modify, or terminate a public guardianship.
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I have three options, and wanted to ask the Geek Zone community what I should do.
Option 1: Sell on Trade me via auction. I checked expired sales and new tivos can go for between 200 and 500. This is the best option if I am greedy.
Option 2: List on Geekzone in the sales section. As it is xmas I could make it for same price as what I paid ($199).This would make me feel good, especially as it is xmas time, but how would I know that somebody would not buy then sell on TM for profit at my expense?
Option 3: Set up Tivo in bedroom. This would please the wife, but I would need to now buy another tv, and she would also probably like the money.
So Geek Zoners, what do I do? Sell on Trade Me and please the wife. Sell to Geek Zoner and get good karma. Set up in my bedroom? Or am I dreaming that I could get lots on Trademe.
Let me know. Thanks.


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Apartment close to the Temple of the Sagrada Familia, the Puigvert Foundation and the San Pablo hospital zone. Not far from Güell Park, designed by Gaudi.Fully equipped, down to the last detail. The kitchen of this charming apartment features all accessories.Located in a beautiful 4 floor apartment, it contains one double bedroom and 2 single bedrooms. There is a lounge-dining room and the well-equipped kitchen means you can enjoy cooking with your friends.There is also a complete bathroom and separate lavatory.This apartment is located near of the Sagrada Familia, Gaudi's famous masterpiece, in the sector of Barcelona known as l`Eixample, a name that literally signifies "the expansion" which refers to its role in the urban development that occurred in the 19th century on the initiative of designer Ildefonso Cerdá.Thanks to the apartment's location close to various public transportation connection points, it is easy to reach any area of the city.
REGISTER OF GUESTS- By Law in Barcelona we are obliged to fill in this form. You will receive an E-mail enabling you to supply us with these details online.HOURS: - Check in time: from 3.00pm onwards.- Departure time: before 11.00am- Please inform us of your expected arrival time- Handover of keys: at the apartment with at a minimum of 30 minutes' notice before your arrival.SURPLUS CHARGES- Arrivals after 8.00pm: €20- Arrivals after midnight: €50
DEPOSIT- Charged on arrival via MasterCard, Visa or Amex credit card (no cash)- Returnable within 72 hours of your departure CANCELLATIONS Once paid the rental price is non-returnable
CANCELLATIONS- Once paid the rental price is non-returnable
Additional Charges-Tourist tax not included in the final price (2,48€ per person/night)-Internet connection: 10 € for the duration of the stay (payable in cash)-All arrivals after 8pm will carry an additional charge of €20 (payable in cash)- All arrivals after Midnight will carry an additional charge of €50 (payable in cash)
.INFORMATION TO THE GUESTS:- An 24/7 emergency phone number will be provided at your arrival for anything what could happen during your stay- According to the Barcelona law we are committed to register all occupants information, so you will receive an email with a form that you will need to fill in with all the occupants data- We remind you that you will need to call 30 minutes prior your arrival at the apartment to the check-in phone number 0034 666 466 231-If you don't call the check-in phone number nobody will be waiting for you at the apartment
.GUESTS REGISTRATION:- The registration of all occupants data is an obligation by Barcelona law. You will receive an E-mail enabling you to supply us with these details online- The guest assumes responsibility to return the apartment and all its furniture and equipment in good condition on the day of departure. The apartment and sets of keys should be handed back in the same conditions as that of the arrival date- The guest agrees to respect the residents of neighbouring apartments and to not cause excessive noise at any time of day. The failure to complete with the above conditions may result in immediate eviction from the Terrallar S.L. property without receiving any refund. We are equipped with noise sensors, if you exceed the permitted noise limits and we need to pass by to notify you, Terrallar SL could charge you up to 85€ for each warning or displacement made to your apartment.- The client assumes the responsibility of the apartment as well as the furniture and utensils, having to leave it in the same conditions as on arrival, the day of departure. Leaving in the apartment as many sets of keys as received on the day of arrival.- Each set of missing keys will be charged € 30 / If the key is forgotten inside the apartment out of our office hours (10 / 20h) you will be charged € 30.- If the client forgets the key inside the apartment and inside the lock, Terrallar S.L. will call a professional locksmith. The customer will be responsible for the expenses of said locksmith.- If you do not leave the apartment in reasonable conditions, dirty dishes or utensils or forgetting the garbage in the apartment may cause additional costs of up to € 300.- In the event that the client extends his stay in the rented apartment, an amount equivalent to twice the established price will be charged for each day of non-contracted stay.
HOURS: - Check in time: from 3.00pm onwards- Departure time: before 11.00am- Please inform us of your expected time of arrival- The keys will be handover at the apartment with a minimum of 30 minutes notice before arriving at the address of your stayEXTRA CHARGES- Arrivals after 8.00pm at the apartment: €20€- Arrivals after midnight at the apartment: €50€- Tourist taxes not included, 2,48€ per night per person
OTHER HIGHLIGHTS:- Barcelona ClassBedroom is a family business over more than 50 apartments- Our apartments are equipped with all necessary what you would need during your stay- The kitchen has cutlery, dishes, glasses, coffee cups, coffee machine and small gadgets- You won't find basic products, such as salt, oil, or sugar- Bed linen and towels are provided to all the guests- We do a weekly cleaning if your stay exceeds 7 nights- There is wifiprovided for a small extra cost- The wash machine and dryer location is shared with other apartments
més informació


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Here in Oz, at the time of posting this, we're into a fresh week so is timely to post what happened last week (3 - 9 Jan, 2011).
Here are the stats for last week. Remember, 70 km is the base line figure. The top three being:
Some other stats; out of our 55 in the group, for this particular week, 28 29 ran greater than 70 km and a further 3 were betwwen 60 - 70 km for the week. Obviously those not exceeding 70 km doesn't necessarily mean they are behind.
What went right? What went wrong? What's on the cards for this week?
ps. I realise that some still have to update their logs so the above figures could change. If need be, I'll modify this post.
ps. Those with privacy settings turned on aren't included in the above figures, by all means let us know your weekly stats and I'll modify the above.
Steve My Marathons and another interest Sports Photography
Unfortunately, I had an unexpected move to a new apartment. So unexpected that I ran 9 miles the first day I was moving. Needless to say I was very tired and decided it would be best to take a day off after three days of moving.
Thanks Steven. Wriggly the Giant pretty much destroyed me though.
Seems like I've posted this too soon, too many changes occurring,
Options,Account, Forums
I think, it's just one week -- some of us ran a lot more than we'll maintain (well, myself, at least), and probably some ran less -- but there's plenty of time to go.
It's a 5k. It hurt like hell...then I tried to pick it up. The end.
I had a bad cold this week, so I took a few days off. I've still got a cold, but I feel much better than I did so I'm into my running again.
I'm just happy to have gotten in 51 miles this week (highest weekly total to date) and 56 for the month after only getting 62 for the entire month of December due to a Posterior Tibial tendon issue. I'll be keeping them all "easy" for at least the month of January to build up my base again and moniotr my PT tendon.
The pain that hurts the worse is the imagined pain. One of the most difficult arts of racing is learning to ignore the imagined pain and just live with the present pain (which is always bearable.) - Jeff
2014 Goals:
Stay healthy
Enjoy life
It went great for me. I love running on Friday. I plan to keep it up.
Runners run
What went right? What went wrong? What's on the cards for this week?
Rest day yesterday (Tuesday) was actually out on a photo reconnaissance (with a mate) down at Dromana to Cape Schanck, known as the Two Bays Trail Run, which is on this coming Sunday (16 Jan). Here is a course map (which I've copied into the group's map section), it's a 28 / 56 km trail run.
Two hour drive there, many hours spent checking things out and a two hour drive home. At the end of the day, just didn't feel like running.
ps. A few from our group are running in this.
Three non running days in a row and it's now showing in this weeks running stats. I'm about to fall off the first page with only 16.4 km to my name. I've got k's in the bank so I'm still ahead of the bunny.
Three non running days in a row and it's now showing in this weeks running stats. I'm about to fall off the first page with only 16.4 km to my name. I've got k's in the bank so I'm still ahead of the bunny.
I'm now on the second page, better get and do some running.
I should catch the pace bunny this weekend. Now I've said that something is bound to go wrong :/


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Man accused of killing 3 back in court
Preliminary hearing scheduled for Monday afternoon
DARLINGTON, Wis. — The man accused of killing three members of a family in Lafayette County is due back in court.
A preliminary hearing is scheduled Monday afternoon for 31-year-old Jaren Kuester of Milwaukee.
Kuester is charged with killing 70-year-old Gary Thoreson; his 66-year-old wife, Chloe Thoreson; and his 76-year-old brother, Dean Thoreson, last month at their farmhouse near Wiota.
Kuester's public defender, Guy Taylor, later told reporters after an initial appearance last week that Kuester is being held in isolation. Taylor said he's investigating Kuester's mental state and whether he may have been using drugs. He also said he's considering an insanity plea.
Kuester is being held on $3 million bond.


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NEW BEDFORD — When Samantha Torres brought her 5-year-old to the theater for the first time, she knew it would be a new experience. What Torres didn't expect was that it would be the child's first time being singled out for her disability.
NEW BEDFORD — When Samantha Torres brought her 5-year-old to the theater for the first time, she knew it would be a new experience. What Torres didn't expect was that it would be the child's first time being singled out for her disability.
"They did not ask me to leave; they told me I had to leave," said Torres, a New Bedford mom who says she was ejected from the Providence musical "Beauty and the Beast" because her daughter was "squealing and giggling and humming" along with the show.
Nadia Torres suffers from a rare chromosome abnormality that prevents her from speaking. On June 2, Torres took her two children and a nurse to the Disney musical at the Providence Performing Arts Center — only to go through one of the most trying experiences she's faced as a mother. Torres said she was told to leave because of the sounds her daughter makes when she's happy.
Marketing Director P.J. Prokop of the Providence Performing Arts Center said the theater acted properly in dealing with the Torres family. She said Torres wasn't asked to leave but was offered a chance to relocate — a claim Torres denies.
Audience members "were turning around; they were looking; they were also kind of gesturing," Prokop said.
"It is the theater's responsibility to try and ensure that everyone can hear and have a good time."
Torres insists she was never offered other seats. She said because the audio was very loud and they were seated in the rear of the theater, Nadia didn't seem to be bothering anybody — except the ushers.
Attorney Christine Griffin, executive director of the Massachusetts Disabilities Law Center, said this is not uncommon.
"I think that if there really weren't legitimate complaints (from other attendees) "� and they didn't really attempt to accommodate them in a better way — yeah, that would be discrimination," she said.
Griffin said what happened could have violated the Americans with Disabilities Act, which prohibits discrimination on the basis of public accommodation, as well as exclusion, segregation and unequal treatment.
If the girl was distracting other audience members, as the theater reports, Griffin said, the law allows them to act. But exactly how to respond is more complicated.
Ushers can consider making alternate accommodations for someone who is upset by a disabled person, Griffin said. If several people are upset, it could be best to ask the disabled party to move.
In addition to requiring staff at public facilities to receive sensitivity training, Griffin said the general public could stand to boost its tolerance.
"What about as a parent thinking 'Isn't it great that this little kid gets to go to this show, and we're going to make sure that she enjoys it.'"
New Bedford's Zeiterion Theatre doesn't have a "hard and fast policy" on dealing with these issues, said Rosemary Gill, the theater's co-director.
"Philosophically, our position is we are a welcoming organization; we absolutely welcome anyone with a disability and we make accommodations whenever possible," she said.
She said situations are handled case by case. But the best way to avert an unpleasant situation is to know in advance that someone with disabilities will be in attendance and to plan according to their needs.
Lisa Condit, marketing director of the Hanover Theatre in Worcester, said that about two years ago the theater had a boy with cerebral palsy rocking and singing along with a musical. Several people complained both during and after the show, Condit said, but they decided to leave him be.
"Our operations manager knew and felt strongly that our mission is to foster love and appreciation ... and we couldn't ask this family to leave because he could not control his reaction," Condit said.
Although audience members were disgruntled, the more they learned about the situation the less it bothered them, Condit said.
Samantha Torres said she plans to take up an offer from Providence Performing Arts Center to conduct sensitivity training for ushers. She said the best way to react in a similar situation is to engage the care-giver, find out what is happening and ask if they would be more comfortable in another (inclusive) area.
Torres is also working with Rhode Island Developmental Disabilities Council to develop a guide on how entertainment venues can prepare for people with disabilities.
"I think its going to have a happy ending for a lot of people," Torres said.


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Article Information
Publication Date
- Published online November 21, 2019.
Copyright & Usage
© 2019 by the Society of Architectural Historians. All rights reserved. Please direct all requests for permission to photocopy or reproduce article content through the University of California Press's Reprints and Permissions web page, http://www.ucpress.edu/journals.php?p=reprints, or via email: email@example.com.


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Major or Minor in German!
German Major: 8 units
German Minor: 6 units
Please talk to a faculty member for a helpful overview of major or minor requirements.
All incoming students who have previously studied German in high school or elsewhere must take the College's placement test in German.
Those students who wish to receive credit for German courses that they have taken at another college or university before enrolling at Kalamazoo College must take the German language placement test and test into a higher-level course than the one for which they are seeking credit. Any appeal of the placement test results should be directed to a faculty member in the Department of German Studies.
Students with scores of 425 or lower (and with fewer than three years of high school German) will be placed in GERM 101 or 102; 426–500 = GERM 102; 501–550 = GERM 102 or 201; 551–624 = GERM 201; 625 or higher = GERM 203, 204, or 301. If a SAT II score indicates a choice of two levels, a student should consult with the department chair or department representative for placement. A score of 700 or higher may qualify a student for more advanced courses.
Advanced Placement
For students with an advanced placement (AP) score of 4 or 5, credit toward the B.A. degree will be awarded automatically upon admission. Study must begin with GERM 203 or above to receive credit in German at Kalamazoo College. Students with AP scores of 3 may be granted the waiver of a prerequisite, but may not count an AP 3 for credit.
Requirements for the Major in German
Number of Units
Eight units are required, not including GERM 101,102, or 201 (the eight may include the SIP), plus one cognate course in German or European studies from the list below. No more than two of these units may be earned during study abroad.
Required Courses
GERM 203 Advanced German I: Germany Today
GERM 204 Advanced German II: German Stories and Histories
GERM 301 Introduction to German Cultural Studies: Reading Texts and Contexts
GERM 470 Contemporary German Culture
GERM 490 Senior Seminar
Also required: Passing a German language proficiency test, either the Goethe-Zertifikat B1, B2 or C1 (as recommended by the department). The exams are designed by the Goethe Institut and offered on campus during spring quarter.
Three courses above 201, two of which must be at the 400-level
German and European Studies Cognate
(One course required; does not count toward required 8 units)
ARTX 140, 145, 150 Introduction to History of Art I/II/III
HIST 101, 102 Introduction to Europe I/II
HIST 246 Germany and Central Europe in the 19th Century
HIST 247 History of Germany and Central Europe: 1890-Present
HIST 250 Revolution, Industry, Imperialism: Europe in the 19th Century
HIST 255 Contemporary Europe
HIST/RELG 263 Modern Jews in Enlightenment and Revolution
HIST/RELG 264 Modern Jewry: Upheaval and Response
MUSC 330 Western Music in the Classic and Romantic Eras
PHIL 207 18th Century Philosophy
PHIL 208 19th Century Philosophy
PHIL 307 Contemporary Continental Philosophy
POLS 210 Comparative Political Institutions: Social Europe
POLS 270 The European Union
POLS 330 The Politics of the Holocaust
THEA 270 The Theatre of Illusionism: Western Theatre from the Renaissance to Early Film
All of the 400-level German courses count toward the Cultures requirement (Europe) for graduation and toward the literature Area of Study requirement for graduation.
Students considering a major in German are urged to begin their study of German in their first year. German majors are encouraged to take courses in appropriate cognate areas such as history, political science, economics, art history, international and area studies, and international commerce, and are strongly urged to study abroad in a German-speaking country.
Requirements for the Minor in German
Number of Units
Six units are required, not including GERM 101 and 102.
Required Courses
GERM 201 Intermediate German
GERM 203 or 204 Advanced German I or II
GERM 301 Introduction to German Cultural Studies: Reading Texts and Contexts
GERM 470 Contemporary German Culture
Two 400-level German Studies courses above 201.


text:
of joy
awaits our opening up
to God who floods
the thirsting hearts
with love.
To thirst, to seek, to bring
the emptied vessel of the emptied heart
to One who longs for us,
to make a home in us:
Only this emptied, readied heart
can hold
the Infinite.
Repent with opened door,- (Revelations 3:20)
believe the love that
is being poured on us,
-the Christ.
Seamus Devitt C.Ss.R.


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|Biosequences .. Software .. Molbio soft .. Network News .. FTP
ANNOUNCEMENT: FIRST ELECTRONIC CELL BIOLOGY CONFERENCE ****************************************************** The First Electronic Cell Biology Conference (ECB-1) will be held on the Internet and World Wide Web (http://www.vei.co.uk/ecb1/) from November 3 - 14, 1997. ECB-1 will be a fully international event open to all members of the scientific community and will cover current topics related to Cell Biology. The conference subject areas will include: * Advances in Cytoskeleton Research, * The role of Cadherin in Cell Adhesion, * Extracellular Matrix Proteins and their Receptors, * Cell Culture Systems in in vitro Toxicology, * Cell Motility, * Somatic Mutation and Cancer, * Comparative Microscopy of Cell Structure and Function, * Insulin and Signal Transduction, * Photosynthesis and Pigment Biosynthesis and Degradation under Control and Stress conditions, * Protein kinase C in early development, * Microtubule-microfilament interactions in Cell Motility, * Intracellular protein translocation, * Apoptosis, * Telomeres, * p53 Growth Regulation, * Cell Adhesion, * Cellular Mechanisms of Development, * The Role of Chaperonins in Protein Folding, * Endocytosis and Molecular Sorting, * Transcriptional Regulation in Yeasts, * Cytokine Receptors and Signal Transduction. Authors can opt to have their presentation in the following categories: * non-permanent WWW presentation of a conference poster. * non-permanent WWW presentation of a conference lecture. * refereed WWW presentation which will be considered for print publication. * refereed WWW presentation which will be considered for permanent electronic publication. Presentations of papers or posters must be prepared in Hypertext Markup Language (HTML) with figures in GIF or other Web-compatible formats so that participants can view the papers via the World Wide Web (The presentations may also include enhancements such as 3D structures, VRML, Java, RealAudio, Quicktime movies etc.) Powerpoint presentations can be used for the presentation of conference lectures. Aid and consultation is provided to participants who may address their queries to the conference hot-line at cborg at vei.co.uk. Further details are given in the authors' guide (http://www.vei.co.uk/ecb1/info/authors.html). During the conference interaction, presentations and discussions will take place via the Internet using a Java-based virtual conference centre, WWW-based discussion forums and an electronic mailing list. Before the conference, a timetable for lectures and discussion sessions for each section will be posted. The Conference will feature a Virtual Exhibition where exhibitors will be able to describe the activities of their organisation, display their products and services and interact with registrants. Potential exhibitors should contact the conference organisers at cborg at vei.co.uk. DEADLINES AND DATES ******************* 1) Join the CB mailing list Conference-related news and announcements will be posted regularly to the cell biology conference mailing list (cb at vei.co.uk). If you are receiving this message from the CB list you are already subscribed. If you wish to subscribe to this mailing list send the following one line message to cb-request at vei.co.uk: subscribe cb at vei.co.uk To unsubscribe send the following message: unsubscribe cb at vei.co.uk 2) Registration If you intend to participate in ECB-1 please use the special registration form accessible via http://www.vei.co.uk/ecb1/. The electronic registration will be used to construct a registrant database for the conference which will generate the conference mailing list and handle assignment of userids and passwords. In addition it is necessary to support the conference via a registration fee. The conference fee will be 52.88 pounds sterling inclusive of VAT for registrants within the European Union(45 UK pounds/75 US dollars for non-EU registrants) with a special rate for students of 35.25 pounds sterling inclusive of VAT for registrants within the EU (30 UK pounds/50 US dollars for non-EU registrants ). A copy of a suitable student identification should be sent to EAC-1 Registration, VEI, Oxford Centre for Innovation, Mill St, Oxford, OX2 0JX, UK. Registration payments can be accepted by credit card, direct bank transfer, cheque or bank draft. Payment Instructions: a) Credit Card We can currently accept Visa, Mastercard, Switch or JCB. Please send your credit card type, number and expiration date via a) regular mail to: ECB-1 Registration, VEI, Oxford Centre for Innovation, Mill St, Oxford, OX2 0JX, UK. b) fax to ECB-1 Registration at +44 1865 793165 c) phone ECB-1 Registration at +44 1865 793644 b) Bank Transfer Your payment can be made in sterling by direct bank transfer into the following account: Account Number: 20-6518 40787523 Account Name: Virtual Environments International Ltd Bank: Barclays Bank, Oxford City Centre Branch, P.O. Box 333, Oxford, OX1 3HS, UK --Please ensure your full name is listed with the transfer details. --You are responsible for any bank charges associated with the transfer from your bank. --Please notify us directly of your transfer payment at cborg at vei.co.uk. c) Cheque/Bank Draft Cheques or bank orders (in pounds or dollars) should be made out to Virtual Environments International Ltd and mailed to: ECB-1 Registration, VEI, Oxford Centre for Innovation, Mill St, Oxford, OX2 0JX, UK. Acknowledgement of Registration and Payment: When you first register at the conference site you should receive an acknowledgement email with a password and userid. After receipt of your registration fee you will receive a further acknowledgement and your userid and password will be validated to allow access to the conference site (when it opens). Academic registrants from economically-disadvantaged countries can write to ECB-1 Registration at VEI requesting an exemption to the registration fee. Exemptions will be made on a discretionary basis taking into account the reasons given for the request and will be dependent on suitable funds being available. We will consider economically disadvantaged countries to include those of Eastern Europe, Africa, Central and South America, Indian sub-continent, etc. 3) DEADLINE for receipt of ABSTRACT. The deadline for receipt of presentation abstracts is October 10. Email your abstract directly to ecb1abstracts at vei.co.uk. Fuller details of the scope of each section is given in the authors' guide accessible via http://www.vei.co.uk/ecb1/ Your abstract should be no longer than 300 words. And remember to state which category of presentation (non-permanent poster or lecture, refereed as full paper) you wish. If you are unsure as to which section your abstract is suitable for please e-mail Dr. Brett Burridge (brett at vei.co.uk). 4) DEADLINE for receipt of PRESENTATION The deadline for receipt of papers and posters is Oct 20. You must deposit your text and graphics files at the conference ftp site following the instructions available at http://www.vei.co.uk/ecb1/. You may also supply a URL from which you are serving your presentation from your own site. However deposit at the conference site will be required to take advantage of full mirroring, indexing in the conference search engine, participation in online lectures and password protection. 5) Refereeing Period The refereeing period will commence upon completion of the conference. If you have a presentation at ECB-1 you may be requested to contribute a refereeing evaluation on another conference presentation. Referee reports will be due December 15. HOW TO CONTACT THE CONFERENCE ORGANISERS **************************************** Dr. Barry Hardy Virtual Environments International Ltd Oxford Centre for Innovation, Mill St Oxford, OX2 0JX, UK Email: barry at vei.co.uk Dr. Brett Burridge Email: brett at vei.co.uk Any other enquiries (such as registration queries, maillist queries, HTML queries, password queries, timetable queries, general technical advice on browsers and graphics, etc) should be emailed to: cborg at vei.co.uk -- Dr. Brett Burridge (brett at vei.co.uk) Conference administrator, Virtual Environments International (www.vei.co.uk)


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Unveiled: Wedding Dress of the Week
Last Friday evening I found myself sitting at the judges table at the ZM Bride of the Century competition, as 19 gorgeous brides vied for a second honeymoon courtesy of Cook Island Tourism. In keeping with the theme of the competition, I have chosen a 21st century wedding gown this week. It is aRead more


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The Watts 008 Series Spill Resistant Pressure Vacuum Breaker Assemblies are a right angle device. They consists of a bronze body construction, thermoplastic check and float assembly valve, stainless steel springs, tee handles, and a molded diaphragm separating the air inlet from the potable water supply to prevent spillage. Series 008 is ideal for indoor use on machines or equipment in general plumbing applications. No special tools are required for servicing.
Default | Name Up | Name Down | Price Up | Price Down


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I wasnt going to update today but something has been really bugging me over the last two days. As alot of you know I live a pretty hectic life, I do far too much and spend most of my day doing something or other. In my old routine I was able to spend a hour fitting in my blogtime, But since starting my new job my whole routines been thrown out the window! Today I got up at 7 am, left my house at 9am and didn't get home from work till 7pm. I get home and have a good 50 proper emails to read and go through (ie. the ones that I need to respond to, no spam/alerts because with those I get well over 300 emails), another 40-50 Formspring questions to contemplate and then going on to read everyone elses new blogs. I'm not calling out the person who seems to everyday ask me if I'm going to post a blog. But its really bugging me! Yes, Normally I do post everyday if but at the moment I'm having trouble with Ivor and I'm getting home too late from work to do it. Especially outfit posts seeing as the light on my side of the house is rubbish by the time I get home!
Someone also said to me on Formspring that I clearly love the attention I get from this blog and I don't really. In reality I'm reserved and not particularly a people person! Don't get me wrong, I love the blog and I love talking to people, But my blog has grown above my wildest expectations and although I adore doing it but sometimes I feel like people expect so much out of me. When in reality I dont have the time to respond to everything I get asked or emailed about. It may take me a few days to reply to a email but I will do it in the end. I don't know how to style specific items, I'm not a fashion "guru" I don't give fashion advice, All I know about clothes is what I wear and thats it! As for my weightloss, I don't mind answering questions on this, but when I get "questions" telling me that I shouldn't be bragging about it or encouraging others to loose weight it can really ruin the whole Q+A's! Another thing is I don't know the answer to every single thing I'm asked on Formspring and when your asked the same question at least 3-4 time a day its frustrating and I'm not going to lie I get so pissed off I feel like just typing GOOGLE IT! I try and help as much as I can but like I said, Google would be much quicker!
I'm pretty emotional right now as I'm sick of feeling like people want so much from me. I'm a human being and I have feelings and emotions, Sometimes I cant be bothered and sometimes I'm rude, brash and abrupt, But I do try my hardest to blog as much as I can and keep you all in the loop. In all honesty I blog alot more than some other bloggers and interact as much as I can with my followers, as I don't want to be some "famous" blogger who doesn't talk to anyone! Big love to the ones who aren't like this and the ones who ask genuine questions on Formspring, I just had to get this off my chest . I'm sure someone will take this the wrong way and send me some more hate on Formspring to bring me down but whatever.
In other GOOD news, The lovely Gem won the ASOS Blogger competition! Jen did a lovely outfit inspired by me! I've already planned a post with a take on her style! Also Christina did a post on the sunglasses she won in my Paola Loves To Shop Giveaway! (whos new hair looks fab btw!)
Anyway, Tomorrow I have a day off tomorrow, but I've got loads to do, Including packing loads of ebay stuff for my Mum, having a light workout session, going to the chiropractor for my clicky hip and I'm going out with my friends in the evening. So if I do find time tomorrow I will post something!


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- Inside Athletics
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SPARTANBURG, S.C. (Nov. 2, 2012) – The ETSU men's soccer team closes the books on the 2012 regular season Saturday, traveling to County University Soccer Stadium to do battle with the USC Upstate Spartans at 7 p.m.
For the third time in as many years, ETSU (9-6-2, 5-2-0 A-Sun) concludes the conference schedule against USC Upstate (5-9-1, 3-4-0 A-Sun). Last year, the Bucs scored twice in the last 15 minutes to win and earn their spot in the postseason. ETSU has already clinched its spot this year, but needs a win on Saturday – combined with a Mercer win or draw against FGCU – to enter the 2012 Atlantic Sun Tournament Championship as the No. 2 seed and earn a bye into the semifinals. An ETSU loss or FGCU win would slate the Bucs No. 3 and force them to start the tournament in the quarterfinals next Wednesday.
USC Upstate has also secured its spot in the A-Sun Tournament, but can seed itself anywhere from fourth to sixth depending on Saturday's outcomes. The Spartans currently sit fifth in the conference standings, with the team right in front of them, Northern Kentucky, ineligible for postseason play due to NCAA reclassification rules. That seeds Upstate fourth heading into the final day of conference play, two points ahead of Lipscomb and Stetson, and three points ahead of Jacksonville. A win or draw against the Bucs locks the Spartans in as the No. 4 seed, but a loss would put their fate in the feet of the day's other results.
As for the Buccaneers, they will be relying on a total team effort, along with the play of A-Sun Player of the Year candidate David Geno (Kingsport, Tenn.). Heading into the final day of league play, Geno leads the conference in goals (11), points (29) and shots (51), while also ranking second in assists with seven. The Dobyns-Bennett product also finds himself near the top of the national statistical rankings, sitting tied for 10th in points and tied for 19th in goals at the beginning of the week.
Defensively, keeper Ryan Coulter (Dublin, Ireland) and the ETSU back line will look to continue their great play. Through seven conference games, the Bucs have allowed just four goals to accumulate a league-best GAA of 0.57. ETSU has also shutout four A-Sun opponents, and six this year overall.
ETSU's Last Outing
ETSU made its annual trip to Florida last weekend, making stops in Ft. Myers and DeLand to take on Florida Gulf Coast and Stetson. On Friday against FGCU, the Bucs were held goalless for the first time since the season opener, and fell to the Eagles via a 19th-minute goal by Felipe DeSousa, 1-0. Sunday's game against Stetson saw just as many goals, but this time the score belonged to ETSU in the 74th minute as Alesi Osorio (Austin, Texas) knocked in the 10th of his career to down the Hatters, 1-0.
Scouting the Spartans
USC Upstate had a chance to improve its position in the standings and potentially put itself in contention for a No. 2 seed on Wednesday, but fell to Northern Kentucky in Highland Heights, 1-0. Craig Heard put the Norse on top 17 minutes in, which proved to be the game's only goal. About an hour after the conclusion of that game, FGCU went on to defeat Stetson, 2-0, clinching the Spartans a spot in next Wednesday's quarterfinals.
Dave Musambi heads the Upstate attack with five goals and two assists for a team-leading 12 points. Musambi's five goals sit two ahead of the next closest Spartan, Dylan Hoop, while his 12 points are twice as much as Hoop's and Marvin Schmiege's six. Defensively, Dani Alvarado has played every minute in goal, allowing 16 scores and earning five shutouts to amass a GAA of 1.04.
Series History
Historically, ETSU has owned USC Upstate. In four all-time meetings, the Bucs have never lost with a record of 3-0-1. The tie came at Summers-Taylor Stadium in 2009, 0-0. ETSU has won both meetings in Spartanburg, outscoring the Spartans by a combined total of 6-2.
Live stats will be provided by UpstateSpartans.com, while free live video will be available for fans on ASun.TV.
ETSU Notes
- ETSU earns the No. 2 seed in the 2012 A-Sun Tournament Championship with a win on Saturday combined with a FGCU loss or draw.
- The Bucs and Spartans are meeting in the conference final for the third year in a row. Last year, ETSU came back with two goals in the last 15 minutes to win and earn the No. 6 seed in the A-Sun Tournament.
- ETSU has never lost to the Spartans in four all-time meetings, holding a record of 3-0-1.
- In season finales, ETSU is 3-1-0 lifetime. The loss came last year at home to Appalachian State in overtime, 1-0.
- David Geno leads the A-Sun in goals (11), points (29) and shots (51), while also ranking second in assists (7). Nationally, Geno ranks T-19th in goals and T-10th in points.
ETSU fans wanting to receive Buccaneer news, score updates, in-game promotions and much more sent to their mobile device can do so by signing up for "Buc Updates." Click here to sign up today!
For more information on ETSU men's soccer, please visit ETSUBucs.com and click on the men's soccer links.


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WASHINGTON — The American intelligence community spends billions of dollars trying to protect the United States from foreign agents. But it was "just another guy who sits there day to day in the office" who showed how easy it is for someone within to weaken the National Security Agency's information fortress.
Edward Snowden, a midlevel computer technician, used those "just another guy" words to describe himself when he acknowledged being the source of last week's leaks about the NSA's surveillance programs. He also claimed that he could, in an afternoon from his desk in Hawaii, disable the NSA's entire surveillance system. By his telling, a few clicks on a computer by any number of employees could do significant damage to US interests.
The revelations from Snowden, coupled with the trial this month of Army Private Bradley Manning on 2010 charges that he leaked hundreds of thousands of classified documents to the website WikiLeaks, have exposed damaging security holes in an era where ever more secrets are being kept in digital files — and are accessible by a greater number of people.
In a short period of time, stealing secrets has gone from the laborious task of copying papers taken surreptitiously from filing cabinets to the current age in which files can be electronically copied onto thumb drives. Manning was said to have disguised his efforts by downloading secrets onto compact discs made to look like pop music recordings.
"Bradley Manning could have extracted documents in the past, maybe even a briefcase full," said Joseph S. Nye, Jr., a Harvard Kennedy School professor and author of the book "Presidential Leadership and the Creation of the American Era." "But the idea that you can get a warehouse full in a Lady Gaga disc — that's new."
As for Snowden, his access to the top secret data might have made it technically impossible to stop him, analysts said.
"There is no product that is going to prevent that kind of a leak," said John Prisco, the chief executive of Triumfant, a Rockville, Md., company that specializes in detecting computer intrusions and works for the Pentagon and several spy agencies. "If somebody decides they are going to go rogue and disclose top secret documents, that is not something technology is going to prevent.''
The challenge for intelligence agencies has intensified since the Sept. 11, 2001, attacks, and more recently the Boston bombings, as they have come under increased pressure to share information with each other, thus opening more online pathways to more hard drives. At the same time, partly as a result of rapid expansion since 2001, the federal government is increasingly reliant on outside contractors, including Snowden's employer Booz Allen Hamilton, further expanding the universe of people with access to that information. And the ability to gather and store greater amounts of information in a digital format requires more people with the ability, and access, to analyze it.
With that comes more potential people who could either spy for profit or leak information out of personal conviction.
In 2012, the office of the Director of National Intelligence said more than 4.9 million people, both government officials and contractors, had security clearances, a jump of 100,000 from the year before.
Snowden asserted in a video interview posted by The Guardian on Sunday he could have gathered and publicized far more damaging secrets, had his motivation been different.
"Anyone in the positions of access with the technical capabilities that I had could suck out secrets, pass them on the open market to Russia," Snowden said. "I had access to the full rosters of everyone working at the NSA, the entire intelligence community, and undercover assets all over the world."
The suggestion by some that a person leaking national security secrets is a whistleblower or even a hero is especially worrisome to the NSA. James R. Clapper, director of national intelligence, told NBC Monday the leaks "can render great damage to our intelligence capabilities."
"They're very afraid of it," said James Bamford, the author of three books about the NSA, who argues that the agency has done a poor job of protecting information. "They're afraid of this cascading aspect where one case generates other cases. Edward Snowden may have been inspired by Manning. Who knows how many people have seen operations that haven't been revealed, yet that they feel are equally offensive."
Manning, who is now standing trial before a military court martial and faces more than 150 years in prison, is the lowest rank of soldier. Yet he had computer access to highly sensitive documents ranging from secret diplomatic cables to military commanders' assessments in Iraq and Afghanistan.
The trove obtained by WikiLeaks, which amounted to the largest single leak of classified information in history, prompted the Pentagon to tighten access to its classified computer networks.
For example, the State Department communications that Manning is accused of downloading from the Department of Defense's so-called Secret Internet Protocol Router Network are now much harder to access.
Computers that are compatible with thumb drives, DVD recorders, or other removable devices have been sharply restricted. And in some cases, a "two-person" rule was instituted before classified data could be downloaded from a government computer, to prevent single individuals from removing protected data.
Robert Bryant, the top US counterintelligence officer, recently issued a warning to all intelligence personnel, in which he labeled insider threats "the top counterintelligence challenge to our community."
"Today more information can be carried out the door on removable media in a matter of minutes than the sum total of what was given to our enemies in hard copy throughout US history," added Bryant, who heads the Office of the National Counterintelligence Executive.
President Obama established an "Insider Threat Task Force" in 2011 to "develop a "governmentwide program for deterring, detecting, and mitigating insider threats, including the safeguarding of classified information from exploitation, compromise, or other unauthorized disclosure."
Steven Aftergood, who runs the Project on Government Secrecy at the Federation of American Scientists, predicted that the Snowden disclosures will lead to more fundamental changes, especially at NSA.
"Why should a junior tech person have such broad access?" he said. "But a larger policy question is: Why should anyone have such access?"
Others with intimate knowledge of the classification system suspect that Snowden's alleged actions will generate the very result he was fighting against: greater secrecy.
"The knee-jerk reaction is building more secure facilities and doing more polygraphs," said J. William Leonard, who until 2008 was director of the Information Security Oversight Office at the National Archives, referring to the common steps to safeguard sensitive data and screen people for access.
Instead, Leonard, who oversaw the 60 executive branch agencies that create or handle classified information, believes the latest case cries out for a reassessment "of how we make and keep secrets."
"The classification system is fundamentally the same since the Manhattan Project in World War II," he said. "We now produce more secrets than we have in the history of mankind. You can't keep on producing secrets the way we do and expect them to stay secure."
In his experience, the NSA has been one of the most prolific practitioners of overclassification — making things secret that don't need to be, he said. And that may partly explain Snowden's actions, he said.
"The system is so corrupted by phony secrets," he said, "that you have people inserting their judgments instead of official judgments."
Noah Bierman can be reached at firstname.lastname@example.com. Bryan Bender can be reached at email@example.com


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The clicking and humming of distinctive frog calls will provide nature's soundtrack as you weave your way around the circular paperbark trail in Reedy Creek Reserve. Just minutes from brilliant beaches at Agnes Waters, a kaleidoscope of butterflies and brilliantly coloured fungi are waiting to be discovered in this lush coastal environment.
The trail might be only 400 metres long, but it's an exciting walk with stepping stones, boardwalk sections and water crossings in this much loved wet area where frogs thrive. Get the kids to play park ranger on this fun walk and try to spot the friarbirds, flying foxes and lorikeets in this enchanted paperbark forest.
A picnic table at the start/finish of the walk makes a great spot for a cuppa and the walk is open to the public all year round (safety permitting).
Directions: From the town of Agnes Water follow Springs Rd to the south for a little over 2.5 kilometres. Look for the large Reedy Creek Reserve sign near a gravel car park on the right-hand side of Springs Road Bollards and a trail icon mark the start of the Paperbark Forest Boardwalk.
|0.5 Hours
|0.4 Kilometres
To reach the trail, follow Springs Road from the town of Agnes Water. Look out for the large Reedy Creek Reserve sign which leads you to a gravel car park on the right hand side of Springs Road. The start of Paperbark Trail is marked by wooden bollards. This unique trail is about 400 metres long so it's best to allow about 45 minute for a comfortable walk, however most walkers complete the trail in less than half an hour. Along the way you'll encounter stepping stones, narrow walkways and rough surfaces.
Whilst the walk is suitable for most ages and fitness levels, it is not suitable for people with limited mobility, balance or prams.
|Route Details
|Mode of Travel
|Route Type
|Level of Difficulty
Level 3: Recommended for people with some bushwalking experience
Note: Information on listed products and services are provided by the operator and were correct at the time of publishing. Rates are indicative based on the minimum and maximum available prices of products and services. Please visit the operator's website for further information. All prices quoted are in Australian dollars (AUD).


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T646CT-M Coffee Table
43 x 24 x 18H
43 x 24 x 18H
We need your e-mail to alert you when we respond to your offer. Learn more about how it works here, or read Terms of Service.
Most of the furniture brands require us to follow the MAP (Minimum Advertised Price). To negotiate with us better price, please fill out the form. Make an Offer option helps you save money by making negotiation simple, fast, and pain-free. With Make an Offer, you name your price on products you want, and we will accept, counter, or reject your offer, often very quickly. Then you check out, and voilà, you save money. As always, we will ensure the privacy of your information.


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December 2010
Download includes the following products:
a) Oracle Developer Tools for Visual Studio (126.96.36.199.0)
b) Oracle Data Provider for .NET 2.0 and 4 (18.104.22.168.0)
c) Oracle Providers for ASP.NET 2.0 and 4 (188.8.131.52.0)
d) Oracle Database Extensions for .NET 2.0 and 4 (126.96.36.199.0) -- upgrade only
e) Oracle Services for Microsoft Transaction Server (18.104.22.168.0)
f) Oracle Provider for OLE DB (22.214.171.124.0)
g) Oracle Objects for OLE (22.214.171.124.0)
h) Oracle ODBC Driver (188.8.131.52.0)
i) Oracle SQL*Plus (188.8.131.52.0)
j) Oracle Instant Client (184.108.40.206.0)
k) Oracle Universal Installer (126.96.36.199.0)
The following items are required for ODAC:
Additional Notes on Requirements:
The instructions below apply to installing ODAC using Oracle Universal Installer. For instructions on xcopy ODAC installation, refer to the README included with that particular installation.
1. Download ODAC 18.104.22.168.1 zip file into a temporary directory. Please note: Do not download this file into the "Tmp" directory.
2. Unzip its contents to the directory.
3. Run Oracle Universal Installer (OUI) by launching the setup.exe that was unzipped in the same directory.
4. OUI will lead you through ODAC installation on your machine. After the installation, you may delete the zip file and the unzipped folders and files.
Note: Oracle ODBC Driver and SQL*Plus are not listed separately as individually installable items in the OUI tree view control. If you wish to install these two products, choose Oracle Instant Client in the tree view control.
There are a number of methods to connect Oracle client to a database server. Two of the most common include EZCONNECT and TNSNAMES. EZCONNECT is the easiest to setup. TNSNAMES is much more maintainable in the long term. If you are new to Oracle, we recommend you use EZCONNECT. You only have to choose one or the other to connect.
These quick start instructions assume you have a valid username and password for the database server.
Note: In the setup instructions below, ORACLE_HOME represents the directory where the Oracle client Home was installed on your machine. A typical directory for an OUI Oracle client Home is:
You will need to know where this directory is before proceeding.
EZCONNECT Setup
1. Copy the sqlnet.ora file located in the following directory:
to this directory:
This file tells the Oracle client by what methods (e.g. EZCONNECT) Oracle client can connect to the Oracle database server.
2. The Oracle client must then specify a valid user name, password, and data source to connect to the database server. To specify a data source, you can use the EZCONNECT format. In the ODP.NET data source attribute, use the following format to define how the client connects to the database server:
For example, some syntactically valid connection strings follow:
"user id=hr;password=hr;data source=//sales-server:1521/sales.us.acme.com"
"user id=hr;password=hr;data source=//sales-server/sales.us.acme.com"
"user id=hr;password=hr;data source=sales-server/sales.us.acme.com"
If the port number is not specified, 1521 is used by default.
TNSNAMES Setup
An Oracle Net service name allows the Oracle client to use a simple alias to connect to the database server. The alias definition contains all the information needed to create a connection to the database server. Alias information is stored in the tnsnames.ora file typically located in the ORACLE_HOME\Network\Admin directory. This alias is used as the data source value in your connection string. ODAC installations do not create a tnsnames.ora file so you need to create one. Alternatively, you can copy an existing tnsnames.ora file from an existing Oracle client installation to your new ODAC installation. The following instructions assume you will have to create a new tnsnames.ora file.
1. Copy the tnsnames.ora file located in the following directory:
to this directory:
<data source alias> =
(ADDRESS = (PROTOCOL = TCP)(HOST = <hostname or IP>)(PORT = <port>))
(SERVICE_NAME = <database service name>)
The data source alias, hostname/IP, port, and database service name in the tnsnames.ora should be modified appropriately. If the TNS entries in the ORACLE_HOME\network\admin\tnsnames.ora file are not recognized by the Oracle client, create a ORACLE_HOME\oracle.key file using any text editor and type in the following line:
SOFTWARE\ORACLE\<home key>
where <home key> is the registry key for the ODAC Oracle Home. For example, if the default Oracle Home location was used during the install, the proper entry for the oracle.key file would be the following: SOFTWARE\ORACLE\KEY_OraClient11g_home1
1. Consult the release notes first for any known issues or limitations.
2. Check if the Oracle data access components were properly downloaded by comparing the download size to the one listed on the download page.
3. If you have more than one Oracle Home installed on the same machine (e.g. Oracle 10g Release 2 client and Oracle 11g Release 2 client), by installing the Oracle 11.2 client, OUI will establish this client as the Oracle Home all your existing applications will use. For more information on using Multiple Oracle Homes, consult the ODP.NET documentation.
4. It's highly recommended that ODP.NET be installed to a new Oracle Home. Installing ODP.NET on top of an existing Oracle home may break existing Oracle applications. If you do install on top of an existing Oracle Home, make sure to stop all the Windows services for that Oracle Home (e.g. OracleMTSRecoveryService).
5. This installation provides policy configuration files that can redirect existing 10.2 and 11.1 ODP.NET applications to the current ODP.NET version. The policy files are located in the ORACLE_HOME\odp.net\PublisherPolicy\2.x directory. In addition, the installation of ODP.NET will place ODP.NET policy DLLs into the GAC so that existing applications can start using the newly installed ODP.NET version immediately. However, if this is not desired, be sure to remove the policy DLLs from the GAC.
6. Installing ODP.NET into a new Oracle Home means that you will not have access to any of the Oracle Data Source aliases from your previous installation. To be able to use these existing data source attributes, copy the tnsnames.ora file in the ORACLE_HOME\network\admin directory from your previous Oracle Home installation to the same directory in your new installation. Or you may create the connection aliases manually by following the Connection Setup Quick Start earlier.
7. If errors indicating that "MSVCR80.dll is not found" are observed, install the Visual C++ 2005 runtime libraries.
The PDF and HTML documentation can be viewed from the ORACLE_HOME\ODACDoc\DocumentationLibrary\welcome.html page. To view this page, go to Start Menu --> Oracle - <Oracle Home> --> Application Development --> Oracle Data Access Components Documentation.
Additionally, the Oracle documentation is installed as part of Visual Studio Dynamic Help.
For any bugs and issues, you may participate in one of the OTN discussion forums for ODAC.


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Marc Brettler elected to American Academy for Jewish Research
Marc Brettler, the Dora Golding Professor of Biblical Studies, has been elected fellow of the American Academy for Jewish Research, the oldest professional organization of Judaica scholars in North America.
Brettler has written and edited numerous books on the Bible, including "The Jewish Annotated New Testament" in 2011, "How to Read the Jewish Bible" in 2007 and "The Jewish Study Bible" in 2004. His latest co-authored book is "The Bible and the Believer."
Brettler is a recipient of Brandeis' Michael L. Walzer Award for Excellence in Teaching, and holds three Brandeis degrees, having earned his BA and MA in 1978 and his PhD in 1986. He joins three other Brandeisians in the fellowship: Jonathan Sarna, PhD, the Joseph H. and Belle R. Braun Professor of American Jewish History; President emeritus Jehuda Reinharz, the Richard Koret Professor of Modern Jewish History; and Benjamin Ravid, professor emeritus of Near Eastern and Judaic Studies.
The American Academy of Jewish Research sponsors the Salo Baron Prize for the best first book in Judaic studies, a biennial retreat for the fellows, workshops for graduate students and early career faculty in Judaic studies and academic sessions at the annual meeting of the Association for Jewish Studies.
Categories: Humanities and Social Sciences, Research


text:
School 100% Attendance Badge with Pink Background
Bulk discount rates
Please see our bulk discounts
|Buy 100 - 299
|and get 39% off
|Buy 300 - 499
|and get 48% off
|Buy 500 - 999
|and get 55% off
|Buy 1000 or above
|and get 59% off
100% Attendance badge with pink and blue background, ideal for schools! The more you order the lower the price of these attendance badges.
This 100% attendance badge is available in our full range of sizes from 25mm up to our larger 75mm.
We will add this design onto a standard badge (size of your choosing) to create your very own badge.
1 Review
Really bright
Really nice and bright badges. Went down really well.


text:
PROVIDENCE, R.I. -- The Brandeis University women's basketball team never trailed today as they dominated Johnson and Wales in a non-conference game on the road, 74-31, for their biggest win of the season. Brandeis had eight players score between six and 10 points, and the Judges controlled the glass, 61-26, to pick up their second-straight road win.
Every Judge player got into the game, with 13 of the 15 active players on the roster seeing at least 10 minutes of playing time and scoring points. The team's high scorer was senior guard Janelle Rodriguez (Peabody, Mass./Peabody Memorial), who netted 10 points, all in the first half. She hit 4-of-9 from the field and 2-of-3 from deep in 14 minutes, and only played one minute after the break. Rookie guard Paris Hodges (Southampton, N.Y./Southampton) added eight first-half points and led the rebounding effort with seven boards, tied for her second-best performance of the season. Senior Kasey Dean (Soutbury, Conn./Pomperaug) led all players with three assists and had seven points - as did rookie forward Maria Jackson (Rochester, N.Y./Hilton) and senior center Angela Miller (Sicklerville, N.J./Timber Creek).
The Judges shot 46.2 percent from the floor for the game (30-65), while holding JWU to just 16.9 percent (10-59). Brandeis's 18 offensive rebounds were as many defensive boards as the Wildcats managed. Johnson and Wales' Jenna Juron was the only player for the hosts to score more than one field goal, finishing with a team-high six points.
With the win, Brandeis improves to 3-4, while JWU falls to 1-5. The Judges will close out the first semester on Monday evening at 7 p.m. at Simmons College. Johnson and Wales is at UMass Dartmouth Tuesday at 7 p.m.


text:
Explore Cape Cod with Dick Hilmer on daily kayak tours in Nauset Marsh,
Cape Cod National Seashore and Pleasant Bay. ACA instruction certified.
Dick and Linda have been offered a great opportunity and are closing Explore Cape Cod Kayak for the 2015 Season.
For Kayak Tours contact:
~ Great Marsh Kayak Tours (508) 328-7064
For Stand Up Paddling contact:
~SUPfari Adventures 774-722-5750
|Kayak Eco Tours
|Meet Your Guides
|Kayak Seal Tours
|Family Outings
Daily Cape Cod Kayak Tours
Welcome from the owners
Seal Tours July and August
Launch into Nauset Marsh and paddle towards the outer beach where the seals gather. We may encounter harbor seals and grey seals bobbing in the water and view shorebirds; including a variety of terns, sandpipers, oyster catchers, plovers and our resident ospreys.
We will help stimulate your creativity and offer you a half day of FUN ACTIVITY and ADVENTURE for your whole family outing.
|Girl & Boy Scouts
|Corporate Outings
|Sunrise Tours
"You do not merely want to be considered just the best of the best. You want to be considered the only ones who do what you do"
- Jerry Garcia
The Explore Cape Cod Educational Program introduces students to the excitement of kayaking and the wonder of the natural world. Through investigations on salt marsh habitats, students paddle to barrier beach environments, where lesson plans have been developed in accordance with the National Standards of Science and Technology.
"In every out thrust headland,
Girl Scouts
For Recreation, Team Building, Excitement of trying
100's of corporate groups have participated in our corporate outdoor programs. Every corporate outing is customized. Price is tiered for number of participants.
This early morning paddle is our favorite. Our Native Peoples Tribe are called "Wampanoag" - which translates to "people of the first light".
$35 per person sea-touring tandem includes all equipment, instruction and guide service.
$49 per person sea-touring solo kayak (chosen to match your body size and ability).
Youth organizations and groups of 8 or more are $30 per in tandem / $40 solo, depending upon how large the group and how long the tour. Most youth paddles are three hours in length.
Cancellation Policy: Half day trips have a 48 hour cancellation policy.
A credit card is required to reserve your spot.
Rain policy: We do not consider your vacation to be an extreme sporting event. We believe in "glide and relax" kayaking. We believe your kayaking adventure is about communing with nature and for us, passing along our extensive knowledge of the area. Sea kayaking can be a very enjoyable activity in the rain. Showery weather is common to Cape Cod coastal environs and usually means that there will be less wind. Our policy is not to cancel for rain, however should there be driving rain and wind we will likely cancel. In addition you will be snugly cocooned by your life jacket, and we bring lots of extra clothing just in case.
For more information on how you can book an individual outing, a group or scout tour, a school environmental education program, or a team building activity:


text:
The AER monitors the performance of wholesale electricity and gas markets and publishes data from that monitoring in reports such as the annual State of the Energy Market. This page sets out key data series for these markets.
The charts and tables shown, as well as underlying data, can be downloaded. The data cover:
- Spot prices, including extreme prices, in the National Electricity Market
- Electricity contract (derivative) prices
- Electricity demand and generation, including by plant technology
- Electricity trade between regions
- Costs of managing frequency variations in electricity supply
- Spot gas prices in the short term trading market and Victorian gas market, including prices of ancillary services
- Gas demand, production, pipeline flows and unaccounted for gas
Liquidity metrics covering the Gas Supply Hub (GSH) and the Day Ahead Auction (DAA) of pipeline capacity and compression services.


text:
Buyer's Guide
General Closing Procedures:
A closing is where a buyer gives a seller money in exchange for ownership and title to a particular property. This bargained for exchange, or consideration, transfers ownership and title of the property. The seller also needs to sign over other documents including a deed. The place of closing is normally at the bank attorney's office. The parties present will be: seller, bank attorney, real estate brokers, seller's attorney, buyer's attorney and title closer.
Buyers need to apply for a mortgage as soon as the contract is signed by both parties. The mortgage process takes up to 45 days and can involve several procedures:
The board package is submitted after a buyer receives his/her mortgage-loan commitment letter; it is submitted to a building's Managing Agent. The Managing Agent checks the application, evaluates credit and references, and then submits the package to the board. The board then reviews the completed package. Additional information may be requested or if the package is passed, an interview is scheduled. There is either an interview committee that approves new applicants or a board will do it during its monthly meetings. Your Manhattan Flats broker can assist you as to the date, time and any other preparations for your interview.
Closing is scheduled after the board approves an application package and completes the interview process. This generally takes 2 weeks for final approval and can vary depending on the availability of the parties involved; i.e. managing agent, buyer, seller, lawyers and banks.
General Closing Costs Defined:
Additional Fees: Sometimes borrowers are required to pay additional fees. Some of these including Wire Fees, Tax Service, Survey Costs, Flood Certification, Settlement Charges, Messenger Fees, Sub-Escrow Fees, and Transfer Tax. Ask your broker to explain these fees.
Appraisal Fee: Fee charged which estimates whether or not a property is worth enough to support a loan. A qualified appraiser will look over the property and produce a report.
Attorney Fee: Fees paid to attorney representing you in real estate purchase (some closes require you to pay bank attorney fees or with condos, sponsor fees for sponsor attorney maybe required. Fees vary according to type of property and $ value of the property.
Condo Board Application or Co-op flip tax: Fees charged for processing condo applications or coop shares.
Credit Report: generally between $25 - $100 per report.
Document Preparation Fee: fee charged by bank or mortgage company for preparation of paperwork.
Escrow: (Taxes, Insurance) - In this case money figured into a mortgage for certain conditions like taxes and insurance etc. (see real estate terms defined for a more complete definition).
Inspection Fee: fee for inspection of property to make sure it is up to code and livable
Homeowner's Insurance: is required to protect against property damage from hazards; i.e. fires, floods etc.
Mortgage Insurance: Usually loans made from a down payment of less than 20% require mortgage insurance. This protects a lender if a borrower defaults on home loans.
Origination Fee/Points: Depending on the type of a loan and the rate a mortgage seeker chooses, he/she may pay points. 1 point equals 1% of the total loan amount.
Prepaid Interest: This amount pays the interest due from the date of funding to the end of the current month.
Recording/Transfer Fees: This covers the costs of changing the property title in official county records.
Title Insurance and Search: Fees that are charged for a title search and insurance fees. A title search is used to verify that that the seller is the true owner of the property being sold and that the seller has the right to sell it. Title insurance protects a lender in the event of a lien or other problems with the title for the property in question, that was not disclosed at the time of sale.
Time Until Closing: Generally sales take between 3-5 months to close depending on various factors. The most common factors affecting closing include: mortgage & financing, condo/coop board approval and negotiation.
Recommended Amount To Put Down: The amount needed to purchase property varies according on the type, size and location of a property. For example is the property a single or two family dwelling, coop or condo. Manhattan Flats recommends being prepared to pay about 10-20% of total price. Some properties may accept a smaller percentage for qualification. You will also need to set aside additional monies for closing costs.
Contract of Sale: is a legally binding agreement between a purchaser and a seller in which each party gives consideration, (bargains for an exchange) to define the terms of the sale.
NOTE: Sometimes there are other fees which may be charged. This generally occurs when the property is a condo or coop. Our brokers will be happy to discuss these with you.