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Getting Started In Real Estate Investment – Financing A Flip
About 3 months ago I decided I wanted to get involved with Real Estate Investing (REI), so I got a book from the library and started reading. It turns out the RE world is a highly complex world! Always up for a challenge, I was hooked.
Next I joined BiggerPockets.com, and joined the forums. Experts there are quick to answer your questions with fancy jargon and confusing acronyms. After a few weeks I decided that I didn't have the time to be a landlord or to do all the work of rehabbing and flipping a home. Hmmm, I was stumped. How could I make money, learn new skills, and not invest too much time in this fascinating world of REI?
Before giving up, I decided to send out a few emails to a few random but active RE investors in Colorado Springs (found via Bigger Pockets). I asked each person if they were willing to meet with me, teach me, and maybe eventually partner with me. I told them I had money,but no time. About 2 hours later, I got an email from a woman - let's call her Julie.
Julie agreed to meet me at Starbucks the following morning where she would walk me through some deals she was working, how she analyses a deal, and answer any of my questions. When we met, I learned about RE financing. It turns out there are these crazy people (like Julie) that have dozens or even hundreds of homes at a time – some rentals, some flips. And since they don't all have millions of dollars in cash sitting around, they are always looking for unique financing options. Banks won't give someone 50 loans on 50 houses, so other financing options are pursued. One of these methods is finding a sugar-daddy – this is where I come in.
Julie had some active deals she was pursuing, with one being a foreclosure purchase that she wanted to renovate and flip. She had done a complete analysis of the house, the local market, and already had contractors come in and quote the work. All she needed now was cash to by the home. Since I'm writing this post, obviously I eventually agreed to finance the purchase – here was the analysis:
Purchase price was $76K. Various fees for purchasing the house were $500. Next, we calculated $33K in repair costs and $11.5 in closing costs and realtor fees. The comps (comparable houses sold in the area) predict about $145K after repair value (ARV). All told, this venture should net about $24K in 4-6 months. (Realistically $150K is a more likely selling price). We agreed to split the profits 50/50 with me doing 100% of the financing and her doing 100% of the work, so I would then make $12K on a $110K investment. If it takes 6 months to sell, that's roughly a 24% CAGR. There's a good chance I won't make that much, but a very small chance of losing money. I consider this a good investment and compliment to my Brave New Portfolio.
The thing I liked most about the deal is that it has a large margin for error. Even if repairs end up costing $40K, and even if the house disappoints and only sells for $135K, we would still be making a $7K profit (much smaller, of course). Considering this money is the "cash" portion of my portfolio, even a 7K return is killer.
Want to see the dump house? Keep in mind, we have $33K budgeted for rehabbing – so it's a little ugly.
I told you, it's got a lot of work ahead. Fortunately, I don't have to do any of it. It needs a new roof, new garage floor, new heater, kitchen renovation, new paint work, and a whole lot more. Should be fun to watch it improve. I'll be honest, when I went to the house the first time, I immediately thought Julie was insane to think this house was worth $76K. But she (and others) really have an eye for improvement. She walked around the house with a contractor explaining the work she wanted done – it was creative, innovative, and artistic. I was blown away! Before we left the house, I agreed in principle to fund the purchase.
We closed on the house last week, so I'm now the official owner. Well, sort of…
In my specific case, since Julie had already worked out the purchase deal with the bank, it was required that she be the purchaser. Of course I don't want to lend $110K without official ownership, so I needed collateral. For this, I received a lending note and the deed of trust on the house. Now, if she bolts – I would get the house – identical to how a bank owns the note and deed on your house and can foreclose if necessary.
If you decide to do something similar, I strongly recommend you set up a Joint Venture Agreement that states the details of the agreement. In my case, the JVA states how much I've paid and how the profits and losses will be split. It has a bunch of other legal jargon, but nothing noteworthy. One thing I learned from Julie is that in the RE world you need to cover your bases. Not that all RE investors are dirt bags, but some will take you for all they can. Others are good people, but incompetent. No different than other areas of life.
For renovations, I decided I didn't want to set up an escrow (additional fees) so I'm paying as we go. This allows me to check on the work before paying, which Julie agreed to. According to Bigger Pockets, this is fairly customary.
My favorite part of the entire experiment so far was the closing. Technically I didn't need to be there, but since Julie knows I want to learn as much as possible she invited me along. I walked in a bit late, and Julie introduced me to everyone. The realtor immediately says "You're the youngest hard money lender I've ever met. Usually they are grumpy old men." I thought it was great – I can add a little spunk to the RE circuit.
I'll be honest, this has been the funnest side income experiment yet. I'm learning a ton, meeting new people, and hopefully making a few bucks. If this works out well, I'll be doing a lot more business with Julie. My long term goal will be to buy a house on my own and do 80-100% of the rehab myself (Scared of heights so there are a few things I can't do).
Just like with Android apps, I'm not an expert. But if you have questions or suggestions, let me know in the comments.
36 Comments to "Getting Started In Real Estate Investment – Financing A Flip"
[...] Read the original post: Getting Started In Real Estate Investment – Financing A Flip | Brave … [...]
Ooh, this is cool! So you'll be able to tell us how it goes over the next 4 – 6 months?
Most people I know who have renovated homes only did one at a time, usually the one they lived in. I wonder if that tends to be more expensive, because they pick a home that they love, not just because the repairs seem straightforward. Often these people find themselves throwing more and more money in on top of the repairs they originally budgeted for.
Hopefully Julie's expertise will overcome this kind of problem!
Kellen @ Accountant by Day recently posted..October Give Away Week 2-
You note that houses in the area are selling for $75/sq ft and in another post state the house is only 1,000 sq ft above grade. Is the $75/sq ft based on total sq ft or just on heated living area (to which the basement doesn't count)?
Also, is your deed of trust in the amount of the purchase price or some higher amount that reflects your $33,000 loan for improvements?
Not quite following why you aren't co-owner of the house.
I understand why Julie would have to be the purchaser, but it takes all of ten minutes after the closing for her to execute and record a quit claim deed from her as sole owner to you and her as joint owners.
Is there some reason why you (or your lawyer) didn't suggest this? There may be a good reason, just asking for my own edification.
Nice one! Getting into real estate investing is not an easy thing so I'm glad you did your homework (no pun intended lol).
I'd like to hear how it goes. I hear stories all the time about how rehabbing often goes over budget. That's my primary fear of getting into the flipping market.
Financial Success for Young Adults recently posted..Why Your Degree Means Nothing -
This is pretty interesting. Looks like you've got a pretty good margin for error, assuming this price point is solid and that prices don't decline further.
The rate of return, in terms of potential here, seems pretty good compared to other alternatives. I'll be curious to see how this project develops for you, and how things go throughout the process. Certainly worth follow up posts on your part!
Squirrelers recently posted..Emotions, a Mortgage, and a New Baby: What Would You Do? -
Just wanted to compliment you on this posting. Many personal finance bloggers seem to spend a lot of energy trying to look like experts on a topic.
Your willingness to post from the point of view of "I'm a beginner at this but I'm plunging in" made the posting informative and human.
It was a refreshing change of pace and I learned a lot. Particularly from your responses to my comments.
Well done.
This is fascinating! I'm very interested to see how it all turns out.
I must admit that the whole thing makes me nervous, but it sounds like "Julie" knows her stuff and that she's done this many times before.
As far as the documents go, it sounds like you're the lender and could foreclose on Julie if needed, just like any other bank that lends out money for a mortgage.
I am curious as to why you're not charging any interest on the loan though…? I guess the potential profit is the reward. Also, did you request an appraisal or CMA (usually free from a realtor) for the house? Or maybe you know your market well enough to know it was a good deal?
Good luck! I'll be watching for updates.
Mrs. MM recently posted..Avoiding Ivy League Preschool Syndrome-
Thanks for stopping by, Mr's MM.
This whole thing made me a little nervous too, which I think is what made it interesting to me. We could all sit around all day not taking risks, but what fun is that? If you were into that, you'd probably be in a cubicle right now instead of retired and hanging out with your kids…
Actually, the risk is also what leads to higher returns. I realize this is an investment many people are scared to make – which means supply is down and demand is up – and you know what that means…
The reason I'm not charging interest on the loan is because we chose to do this as partners, where my input is capital and her input is "sweat equity." An alternative option that we did discuss was that I could have been a pure "hard money lender." In this case I would have charged a very high rate, say 18% or so, and she would have paid me monthly until she sold the house. Then she would have paid off the loan with no penalty, and I would recieve none of the house profit.
If this deal goes well, I may try a hard money loan sometime in the future. But since a big reason I'm doing this is to learn the trade, I wanted it to be a partnership. Because of our setup, I've been able to join in on meeting with the contracter, went to the closing, and now have a key to the house to watch progress. I send her emails regularly with questions guilt free since we're partners and all.
Also, hard money lenders just seem like old misers to me for some reason…
Brave New Life recently posted..Getting Started In Real Estate Investment – Financing A Flip-
Haha! Yup, you caught me… I'm not much of a risk taker (plus we recently got burned). It's probably a good balance to MMM.
It makes sense that you're not charging interest and going for the gold instead with profits.
Thanks for the response! I look forward to learning the risk-free way: through you.
Mrs. MM recently posted..Avoiding Ivy League Preschool Syndrome
That's amazing! I can't wait to hear how it all turns out.
retirebyforty recently posted..Gold As Emergency Fund -
I am definitely really interested in seeing how this goes. Maybe the silver lining of the bad housing market for a real estate person is that contractors are cutting their profit margins. Up here in Canada there is no way you could find people to repair a roof etc for that price. I know it really is all about location, but anytime you can get a 2000 sq ft house for that price, you're right, it's tough to lose much money. At the very least it's a fairly low risk way to get your foot in the door with some real experience.
My University Money recently posted..Would You Rather Be "Book Smart" or "Handy"? -
I've been interested in REIs since I first heard of them. I currently own a rental property and hope you have better luck with yours than I am with mine…
Jesse @ BP recently posted..Do You Fit the Portrait of a Millionaire? -
Wow! how cool–you're doing what they do on HGTV and TLC–I love those shows!
I can't wait to see how it all turns out. Either way, it will be great learning.
Amanda L Grossman recently posted..Retail and Manufacturer Competition: When Consumers Lose -
[...] This explains why I'm splitting my time reading about economics and investing, writing, investing in real estate, writing Android apps, running an online business, and being a dad/husband. And I want to get [...]
And Julie will pocket all the discounts on all HW bought, at least 10% of the 33k, most likely much more. She will always come out with a profit, and you might not. Shouldn't the Suger daddy concept work the other way around?
Before I read this post, I never imagined that anyone would connect with and trust another person they met on the internet with their money. Obviously, I need to get back on biggerpockets and start posting more…
I'm glad to see a blogger talking about alternative RE investing. You don't always have to be a landlord: there's a million ways to invest in real estate.
[...] partnership with a local real estate investor who was seeking money to purchase a distressed house. I invest the money, she does the work, we split the profits. An distressed house is now a livable one, and a family [...]
great post and I love the attitude of it being a learning adventure. my bet is you'll do fine and have more cool stories to boot.
Awhile back I had a pal who was planning to buy a farm in Zimbabwe. 150k. because of the political risk there were screaming bargains to be had.
This is a guy who'd traveled there several times and who ran a business in Liberia, so he was a bit of an African hand. After our discussions, he decided to walk away. months later the government confiscated all the privately held farms to redistribute the land. so he dodged a 150k bullet.
meanwhile, I was busy losing 150k in tech stocks. no story and not much learning there…
We should have bought the farm.
jlcollinsnh recently posted..How to Give like a Billionaire -
After looking over a handful of the blog articles
on your blog, I honestly appreciate your way of writing a blog.
I book marked it to my bookmark website list and will
be checking back soon. Take a look at my web site as well
and tell me how you feel. -
[...] I supporting jobs for the middle class, or am I raising the salaries of their CEO's? When financing a house renovation, am I taking advantage of the lower class person who I sell the house to, or am I taking an [...]
[...] of the readers here weren't around back in November 2011, so you may want to go back and read this post where I discuss my first ventures into real estate investing via financing home rehab projects. [...]
be careful before investing the money and choose the mortgage broker wisely.if possible go through the references and Google searches and find something like Safebridge finance
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For years the group of disorders generally referred to as the necrotizing angiitides have been a source of confusion to both pathologists and clinicians. The lesions can have many forms, produce a host of different symptoms, and can accompany a variety of apparently unrelated clinical conditions.
Since "periarteritis nodosa" was first described by Kussmaul and Maier in 1866,1 the meaning of the term has changed considerably. A subsequent proliferation of reports has broadened and somewhat obscured the original definition, so that today the term periarteritis nodosa, or "polyarteritis nodosa," is applied rather loosely by some as a histologic description to many necrotizing arterial lesions, while it is reserved by others for a clinical syndrome of which the arterial lesions are a feature. Perhaps the most widely used terminology currently applied to the angiitides is that proposed by Zeek in 1952,2 though there are many cases which cannot wholly
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I just started my raw journey this last Wednesday and have been pretty much 100% Raw since then. I am currently 17 weeks pregnant with baby number 4 and so far haven't had any problems with going raw, although I am nervous.
So far I haven't figured out how to feed my SAD husband and myself. The kids are pretty much happy with whatever I give them but my DH has been grumbling a lot. I want him to be happy because he works so hard for us he deserves a full belly. He tries new things but usually doesn't really like it. I feel overwhelmed with trying to make sure we have enough food both Raw and SAD. Also getting a balanced diet for myself, my 16 month old who still nurses 3-4 times a day and the new baby.
I know I have lost a few pounds in the last few days but the belly gets bigger so I think the baby is doing fine, I was about 40+ lbs over weight to begin with.
Any threads I should read in particular or does anyone have any advice for coping with a mixed RAW/SAD family? Thanks


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Published: September 23, 2012
by Dr. Manoj Jain
Thirty percent of health care spending — amounting to $750 billion a year — is wasted, according to a recent report by the Institute of Medicine.
I know. As a doctor, I am party to this waste, and I think doctors can play a major role in recovering it. Read More


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The KPMG International Annual Review focuses on our record of achievement and those who define us as an organization: clients, people and communities.
KPMG Luxembourg S.à r.l. presents its 2012 Transparency Report, as required by Article 73 of the Luxembourg Law of 18 December 2009 on the audit profession.
The AIFMD will have a significant re-shaping effect on the alternative investment fund industry in Europe and beyond.
The report addresses the comparison of the competitive advantages of investing in different jurisdictions through a Luxembourg SICAV or Luxembourg FCP.
KPMG in Luxembourg has performed an analysis of the Luxembourg banking market based on statistical and annual accounts data of a selection of Luxembourg banks, and complemented by views of senior bankers.
The participation exemption is one of the most important features of the Luxembourg tax system. It provides a 100% exemption on dividends and capital gains which stem from equity investments. The brochure explains the rules in detail.
his report describes the main views of the UCITS investment managers who participated in our research on the future of the UCITS framework.
In today's global world, it is increasingly important for companies that operate internationally to assess the attractiveness of countries or markets. Luxembourg has much to offer in this respect.
We seek the facts and provide insights. KPMG Luxembourg organises thought leadership events relevant to the needs of our clients. Find out more about our Events & Seminars below. We are looking forward to meeting you.
Find out more about our handouts 2013.
KPMG TV is an online platform created by KPMG Luxembourg with the aim to share, through various channels, short, smart and up-to-date business insights.
Welcome to KPMG in Luxembourg's Press Room.
Eric Lenert
Tel . +352 22 51 51 - 5511
KPMG tax may offer assistance in the field of compliance formalities by focusing on providing the following core services:
When it comes to corporate tax compliance, we make it personal, understanding your objectives, systems, culture and tax risk, because that is the best way to approach tax compliance for your business.


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Swimming with Sharks
From Wikiquote
(Redirected from Swimming with sharks)
Swimming With Sharks is a 1994 film about a young Hollywood executive that becomes the assistant to a big time movie producer who is the worst boss imaginable: abusive, abrasive and cruel. But soon things turn around when the young executive kidnaps his boss and visits all the cruelties back on him.
- Directed by George Huang. Written by George Huang.
Contents |
Buddy Ackerman [edit]
- If they can't start a meeting without you, well, that's a meeting worth going to, isn't it? And that's the only kind of meeting you should ever concern yourselves with.
- Avoid women directors. They ovulate. Do you have any idea what that does to a three month shoot?
- You look happy. I hate that!
- [to Dawn] Look, once you're past the "oops, he caught us" stage and realize that we are both fucked, let me know, okay?
- You think you know it all, don't you? You're 25 years old. You're a baby. You don't know s--t. Look, I can appreciate this. I was young too, I felt just like you. Hated authority, hated all my bosses, thought they were full of shit. Look, it's like they say, 'If you're not a rebel by the age of 20, you got no heart, but if you haven't turned establishment by 30, you've got no brains.' Because there are no story-book romances, no fairy-tale endings. So before you run out and change the world, ask yourself, 'What do you really want?' You were getting complacent, ungrateful, complete and total job burnout, and don't think I didn't notice. You just didn't give a shit anymore. Draggin' your feet everywhere, telling everybody you were doing my job. That you were running the show. That without you, I was nothing. Yeah, people tell me things.
So don't come preaching to me about your ideas of what's fair. You're no martyr here. You're no hero. You're just a fuckin' hypocrite. You're just like any other punk kid out there, lookin' for a way in, any way in, and you need me...
- Look, I don't make the rules. I play by them. What, your job is unfair to you? Grow up, way it goes. People use you? Life's unfair? Grow up, way it goes. Your girlfriend doesn't love you? Tough shit, way it goes. Your wife gets raped and shot, and they leave their unfinished beers...[weeping] their, their stinking long-necks just lying there on the ground? - So be it. Way it goes...
- All right, Guy, come on, let's finish this. Give it to me. Show me what you're made of. Show me what you've learned. Don't let me down, son. Everything I've taught you comes down to this. This is the only way that you can hope to survive. Because life is not a movie. Everyone lies. Good guys lose. And love does not conquer all. So let's do this thing. Let's finish it...Do it! Come on, do it now!
Dialogue [edit]
- Buddy Ackerman: Excuse me — what is this?
- Guy: Sweet-N-Low.
- Buddy: [Looks at the packet] No! this is not Sweet-N-Low, this is Equal, the blue packet.
- Guy: I think they both contain the same...
- Buddy: What they contain is none of my concern here! I don't care if it has fucking fairy dust in it. What I am concerned with is detail. I asked you go get me a packet of Sweet-N-Low. You bring me back Equal. That isn't what I asked for. That isn't what I wanted. That isn't what I needed and that shit isn't going to work around here!
- Guy: I, I just thought...
- Buddy: You thought. Do me a fucking favor. Shut up, listen, and learn. Look, I know that this is your first day and you don't really know how things work around here, so I will tell you. You have no brain. No judgement calls are necessary. What you think means nothing. What you feel means nothing. You are here for me. You are here to protect my interests and to serve my needs. So, while it may look like a little thing to you, when I ask for a packet of Sweet-N-Low, that's what I want. And it's your responsibility to see that I get what I want.
- Buddy: You wanna talk big directors? Think Attenborough, think Spielberg, think Lean.
- Guy: Lean's dead.
- Buddy: No, he's not, don't you ever say that! He's just... unavailable.
- Buddy: Get me packed up, I gotta get to services.
- Guy: What services? Who died?
- Buddy: No one... yet. It's Yom Kippur, you idiot.
- Guy: Oh, I didn't realize Ackerman was a Jewish name.
- Buddy: It's Jewish enough, especially when the big players are involved. [sarcastically] Besides, I have a sudden need to atone for my sins.
- Guy: That's a bagel stain.
- Dawn: Bagel stain?
- Guy: I put too much cream cheese on Buddy's bagel and he threw it at me. But I learned a very valuable lesson... never put too much cream cheese on Buddy's bagel.
- Buddy: What, you think somebody just handed me this job? I've handled the phones, I've juggled the bimbos, I've put up with the tyrants, the yellers, the screamers. I've done more than you can even imagine in that small mind of yours. I paid my dues!
- Guy: I didn't spend one year...
- Buddy: And I spent 10! Dammit, it's my turn to be selfish! it's my turn. That's the trouble with your whole MTV, microwave dinner generation. You want it all now. You think you deserve it just because you want it? It doesn't work like that. You have to earn it, you have to take it, you have to make it yours. but before you do that, Guy, you need to decide what it is you really want.
- Guy: I want you to stop calling me in the middle of the night! I want you to stop sending me the fucking office for your goddamn phone numbers or your fucking sunglasses! I want my life back!
- Buddy: What life? I gave you life. Before me, you were nothing. Before me, you were an ink spot, and now you're playing in the majors! I made you. You will always be "Guy from Buddy Ackerman's office"! You wanna go back to your shitty little existence? Go ahead. Leave. There's the door. No one's stopping you. You could have left any day, but you stayed. So let's just forget the Dudley-damn-Doright crap, because out here it's kill your parents, fuck your friends, and have a nice day!
- [Guy has just found out that Buddy and Dawn were once lovers]
- Dawn: Guy, it's not what you think.
- Buddy: Oh, really? Well, what are we supposed to think? A young, eager producer comes up to the house of a top executive for a midnight rendezvous? She's right, Guy, it's not what you think. She's definitely not selling Girl Scout cookies!
Taglines [edit]
- Back Stabbing - Two Faced - Revenge
- In Hollywood all his dreams could come true... But first he has to make coffee.
- He's been humiliated, kicked and spat on... and it's only 10:00 am.
- Life is not a movie
Cast [edit]
- Kevin Spacey — Buddy Ackerman
- Frank Whaley — Guy
- Michelle Forbes — Dawn Lockard
- Benicio Del Toro — Rex
External links [edit]
- Swimming With Sharks quotes at the Internet Movie Database


text:
Matt Brown collected yet another academic honor today when the senior was selected for the CoSIDA All-District Eight Men's At-Large Honors as announced by the organization today. [MORE]
Pepperdine head coach and water polo legend Terry Schroeder will become the first Wave to be inducted into the CoSIDA/Capital One Academic All-America Hall of Fame at a ceremony in Orlando, Fla., next month. [MORE]
Four Pepperdine men's water polo players captured All-American honors as announced by the Association of Collegiate Water Polo Coaches (ACWPC). [MORE]
Four men's water polo players were recognized for outstanding achievement in the classroom and were named to the MPSF All-Academic Team as announced by the league. [MORE]
Pepperdine struggled offensively and dropped a 9-6 loss to UC Santa Barbara Sunday in the seventh place match of the 2012 MPSF Tournament Sunday morning at the McDonald's Swim Stadium. [MORE]
For the second straight day, Pepperdine led early but could not close, dropping a 10-7 decision to Pacific on day two of the 2012 MPSF Tournament at the McDonald's Swim Stadium on the USC campus. [MORE]


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A place to talk about the San Diego Padres, a Major League Baseball team in the National League West.
Padres on ESPN
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Massive List of Padres related Sites/Blogs.
[Game Thread] San Diego Padres (21-26) @ Arizona Diamondbacks (27-21) 07:10 pm (Saturday, May 25) (self.Padres)
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Who will hit the Padres' first cycle? (self.Padres)
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Chargers WR Denario Alexander threw a heck of a first pitch tonight. He also took a few deep in BP recently. Maybe the Chargers will let us borrow him! (link.brightcove.com)
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[Game Thread] St. Louis Cardinals (28-15) @ San Diego Padres (20-23) 07:10 pm (Monday, May 20) (self.Padres)
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[Game Thread] Washington Nationals (23-20) @ San Diego Padres (19-23) 01:10 pm (Sunday, May 19) (self.Padres)
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Jumbo Tron Love! (self.Padres)
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Map & Directions
- Saturday, June 23, 2012 1:00 PM
Join us in Cedar Rapids' historic Irish District on June 23, 2012 from 1 to 9 pm for a day of live music, dance performances, art, food, games, and fun for the whole family. Bring your lawn chair, bring your cooler (no glass please), bring the kids – our low ticket price ($5 per person – and kids 12 and under accompanied by an adult get in free) means you can spend an hour or spend the day – whatever suits your schedule. Four dynamic bands will play on our giant circus tent-covered main stage (the show goes on rain or shine) – artists will exhibit and sell their work right on the grounds – marching bands and dance troupes will be strutting their stuff – local vendors will have great food for sale – we'll have games for the kids (and the adults). Let's get together and enjoy an early summer weekend in one of Cedar Rapids' most unique and lively neighborhoods. The following bands are appearing: Surf Zombies from Cedar Rapids, Henhouse Prowlers from Chicago, Dennis McMurrin & Demolition Band from Cedar Rapids and Smooth Money Gesture from Colorado.
1:00pm The Surf Zombies
3:00pm Henhouse Prowlers
5:00pm Dennis McMurrin & The Demolition Band
7:00pm Smooth Money Gesture
May 25
- Back Home Boys »
- DanceFest 2013 »
- Helforstout Album Release Party »
- Night Moves »
- Terrapin Isle »
- Jason Clothier »
- Smokin' Guns »
- NewBo Throwdown with Beaker Brothers »
- 8 Seconds Band »
- Stampede @ Wildwood Smokehouse and Saloon »
- Jeff Bruner »
- County Linemen »
- Slap 'n" Tickle »
- Three Musicians and a Drummer »


text:
Stage posté par Legal Assistance of Western New York (Geneva, NY)
Publié le : 8 févr. 2013
LawNY Now Accepting Applications for Summer 2013 Law Student Interns
Legal Assistance of Western New York (LawNY) is a non-profit law firm providing free civil legal assistance to low-income residents in 14 counties. Internships are available in our offices in Bath, Geneva, Ithaca, Jamestown, Olean, and Rochester. Students may have opportunities to work with attorneys in such practice areas as public benefits, housing, health, family, elder, consumer, employment, and ex-offender reentry, among others.
LawNY seeks motivated law student applicants with excellent legal research and communication skills and a commitment to public interest practice. Legal interns are generally expected to volunteer at least 30 hours per week for a 10 week period. LawNY does not offer paid internships, but will support students in obtaining school credit or funding if applicable. Interns are encouraged to apply to the Equal Justice Works Summer Corps Program, which offers education awards of $1,175 to all participants. More information is available online at equaljusticeworks.org/law-school/summercorps.
TO APPLY: Students may apply for by emailing a resume, cover letter, and writing sample--preferably as a single PDF--to email@example.com. Cover letters should detail applicant preferences for location(s) and area(s) of practice, relevant experience, and commitment to public interest practice. Applications will be accepted on a rolling basis.


text:
Fatal Car Accident in Macedon
By: Mark Gruba
Updated: March 22, 2013
Macedon police say the crash happened around 9:45 p.m. between Alderman Road and Yellow Mills Road. Officers believe Linda Lucas, 66, was driving in the wrong lane when she hit another vehicle head on. Paul Anderson, 62, died at the scene. Lucas was taken to Strong Hospital in serious condition. She remains in satisfactory condition.
Investigators don't believe alcohol was a factor in the crash. The accident remains under investigation.


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Book Search
What Is Past Is Prologue
First published in 1997...
To Be Published September 29th 2013 by Garland Science
Single Case Research in Schools
Practical Guidelines for School-Based Professionals
Series: School-Based Practice in Action
Single Case Research in Schools addresses and examines the variety of cutting-edge issues in single case research (SCR) in educational settings. Featuring simple and practical techniques for aggregating data for evidence-based practices, the book delves into methods of selecting behaviors of...
Published May 19th 2013 by Routledge
Structural Approaches in Public Health
That health has many social determinants is well established and a myriad range of structural factors – social, cultural, political, economic, and environmental – are now known to impact on population well-being. Public health practice has started exploring and responding to a range of...
Published March 14th 2013 by Routledge
Routledge Handbook of Global Public Health
At the beginning of the twenty-first century, key public health issues and challenges have taken centre stage. They range from arsenic in drinking water to asthma among children and adults; from the re-emergence of cholera, to increasing cancer rates and other chronic diseases; from AIDS to malaria...
Published September 30th 2012 by Routledge
Understanding Global Sexualities
New Frontiers
Series: Sexuality, Culture and Health
Over the course of the past thirty years, there has been an explosion of work on sexuality, both conceptually and methodologically. From a relatively limited, specialist field, the study of sexuality has expanded across a wide range of social sciences. Yet as the field has grown, it has become...
Published June 25th 2012 by Routledge
Routledge Handbook of Sexuality, Health and Rights
The last two decades have witnessed an explosion of research on sexuality as the social sciences have worked to find new ways of understanding a rapidly changing world. Growing concern for issues such as population, women's and men's reproductive health, and the HIV and AIDS pandemic, has since...
Published February 5th 2012 by Routledge
Can Emerging Technologies Make a Difference in Development?
In this innovative and entirely original text, which has been thoughtfully edited to ensure coherence and readability across disciplines, scientists and practitioners from around the world provide evidence of the opportunities for, and the challenges of, developing collaborative approaches to...
Published January 3rd 2012 by Routledge
Sexuality, Health and Human Rights
Series: Sexuality, Culture and Health
This new work surveys how rapid changes taking place at the start of the twenty-first century in social, cultural, political and economic domains impact on sexuality, health and human rights. The relationships between men, women and children are changing quickly, as are traditional family...
Published June 29th 2008 by Routledge
New Technology @ Work
New computer and communications technologies have acted as the catalyst for a revolution in the way goods are produced and services delivered, leading to profound changes in the way work is organized and the way jobs are designed. This important book examines the nature, setting and impact of new...
Published December 12th 2007 by Routledge
Culture, Society and Sexuality
A Reader
Series: Sexuality, Culture and Health
This new and revised edition of Culture, Society and Sexuality brings together and makes accessible a broad and international selection of readings to provide insights into the social, cultural, political and economic dimensions of sexuality and relationships, and emerging discourses around sexual...
Published December 20th 2006 by Routledge


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Botox: Q&A
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Is There Possible for Any Side Effects from Botox Injections (In the Armpits) Which Have Been Applied 1 Year Ago?
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I have been really sick for 15 months. Internist, two Opthamogists and Emergency Med doc, confirmed BOUTULISM SIDE EFFECTS. Have you had anyone...
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15 months ago I had 100 units of botox injected in my neck. After few days I started to be extremely dizzy, I had double vision and I also had trouble...
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I had my nasofabial folds injected with fillers one whole year ago, i bruised heavily, a month later i noticed that the bruises did not completely...
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How Long Does Botox Stay when It Goes Systemic? Been 1 Year Still Having Multiple Problems.
The list goes on and on. Main concerns are horrible jaw and throat squeezing. Hearing dulls, visual disturbances,headaches still there. Had 100 units...
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After Having my Nasofabial Folds Injected with Fillers Almost a Year Ago, I Had Hard Bruising and Discoloration?
It's above the mouth that looks like a light moustache .. do i have to be injected with hylorunidase? which i do not prefer as i am now too scared or...
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St. Louis earned a place on a Forbes magazine list alongside the likes of New York City and Los Angeles. Unfortunately that list was of the dirtiest cities in America, as determined by air and water quality.
Police have not released much detail on the city's most recent homicide, but here's what we know: Shortly after 5:15 pm on Saturday, officers responded to a call on the 5300 block of Thekla Avenue in the Mark Twain neighborhood, north of I-70. There, they found the body of 46-year-old Dwayne Hubbard ... More >>
Van Dyke Parks | Rats & People Motion Picture Orchestra April 5, 2012 The Luminary Center for the Arts Van Dyke Parks embarked on his first-ever tour this year at the age of 69. It has been a limited run of shows in the United States, but with any justice more audiences will get to experience what ... More >>
The blurb by Richard Russo on the front cover of Joe Schuster's new book The Might Have Been declares it "surely destined to join the ranks of transcendent baseball novels." And it is. But what are those other transcendent baseball novels, you may ask? Here are a few, selected by Schuster himself an ... More >>
Today's comment comes in response to a post that asked area religious leaders their thoughts on the jubilation here in the United States over the killing of Osama bin Laden. The topic of whether its right or wrong to celebrate a death -- even someone as vilified as bin Laden -- generated a lot of th ... More >>
image viaThere's no poetry in a hot toddy. No sex. No glamour. It sounds like "hot teddy" but has nothing in common with a negligee and everything in common with flannel pajamas. Don't go gazing into your glass expecting to find brilliant turns of phrase lurking within. You can't spin straw i ... More >>
Michael Pollan's 2007 best seller The Omnivore's Dilemma documented the industrialization of the world's food supply and whipped the foodie vanguard into a self-righteous froth. His encore, the "Manifesto" In Defense of Food, revealed the author as a proselytizing zealot/minimalist poet. ("Eat food. ... More >>
image viaHuck and Jim as they appeared in the first edition of Huckleberry Finn in 1884.You all remember Huckleberry Finn, right? That 1830s Missouri urchin who finds himself adrift on the Mississippi River with a black slave named Jim and learns to appreciate Jim's fundamental humanity and, ... More >>
image viaThe Missouri Writer's Guild has announced plans for its 2011 "Just Write!" conference, to be held in St. Louis next April 8 through 10. According to the Guild, the conference will bring the opportunity to pitch to editors and agents and attend workshops, panel discussions and break- ... More >>
Wikimedia CommonsAbandon hope (and your wallet, your bicycle and possibly your car) ye who enter here.Oh, hello there Daily Beast rankings! It's been a while since we heard from you. Not that we missed you. You have such a way of making us feel bad about ourselves, even if we have doubts abou ... More >>
Washington University is to pay a $15,000 civil penalty and spend an additional $45,000 on a supplemental project to help clean science laboratories of hazardous waste in several St. Louis public schools. The settlement follows an April 2008 inspection of the school's Danforth Campus and Schoo ... More >>
Photo: Jennifer SilverbergThe Missouri Department of Natural Resources yesterday announced that six beaches within state parks are too polluted for swimming this weekend. Beaches at Mark Twain, Wakonda, Crowder, Cuivre River, St. Joe, and Thousand Hills state parks all tested for dangerously hig ... More >>
Great works of literature are immortal. Baseball records -- especially dubious ones -- are not. So it's fitting then that Missouri legislators yesterday approved a bill to rename a stretch of Interstate 70 after Missouri's America's most famous author, Mark Twain.
I spent the first half of January -- the crappy half, as you all know -- south of the equator, in Peru. About half of our stay was in the smallish city of Cusco, which sits about 3,000 meters above sea level. A significant portion of the city still uses streets first constructed by the Incas in the ... More >>
Pudd'nhead BooksFor years, Left Bank Books and Subterranean Books have duked it out for St. Louis' independent book-selling supremacy. But last fall, a third rival entered the mix, Webster Groves' Pudd'nhead Books.Last Friday, the online booksellers' newsletter Shelf Awareness ran a nice profile ... More >>
In this week's paper, I wrote a longer tribute to Jamie Foehner, who passed away last week. There will be a memorial tribute to him on Sunday, April 5, at Lemmons starting at 4 p.m. Details are still being worked out, but I expect information to come to light soonish, once people chime in. Meanwhile ... More >>
Sad news to report: Jamie Foehner, who was a familiar figure at Lemmons as their booker/door man and trivia co-host, passed away late yesterday. He was 38. His Facebook page alluded to some recent health problems and hospital stays, but no further details are available at the moment. ... More >>
6600 Clayton Road
Richmond Heights
HotCity presents a challenging Last Days of Judas Iscariot
Gangs keep their murderous hold on the streets of St. Louis. And kids like Lil' Robert Walker pay the price.
The Iceman Cometh. And cometh. And cometh.
Short Cut to Nirvana espouses enlightenment, but it's sketchy on how to get there
Especially when it casts Fred Friction as Susan B. Anthony
Week of December 8, 2004
Ivy Cooper encapsulates the St. Louis art scene
Ivy Cooper encapsulates the St. Louis art scene
Ivy Cooper encapsulates the St. Louis art scene
Ivy Cooper encapsulates the St. Louis art scene
Ivy Cooper encapsulates the St. Louis art scene
Ivy Cooper encapsulates the St. Louis art scene
Ivy Cooper encapsulates the St. Louis art scene
Ivy Cooper encapsulates the St. Louis art scene
Ivy Cooper encapsulates the St. Louis art scene
Mrs. Kimble, cubed
Fight off the November chill with this extra-sizzlin' edition of Unreal (once we put our clothes back on, we'll check in with the Sanford-Brown Indians, pick up a few local papers and have our groceries bagged by inmates)
Yackey's on the River brings hope and hush puppies to the banks of the Mississippi
Kickball comes back
Week of November 21, 2001
The 10th annual St. Louis International Film Festival arrives this week, and with it a plethora of films and a revived energy
Written and directed by Hampton Fancher
June 2 - 9, 1999


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Timberland Earthkeepers® Mount Holly Tall
SKU: #7869277Product Information
- The Earthkeepers® Mount Holly Tall boot has a contemporary style that stays true to its rugged, eco-conscious Timberland® roots.
- Waterproof, full grain leather upper with tonal stitching and moc toe design offers a durable, stylish exterior.
- Convenient side zip provides an easy on and off for fashion on the go.
- Fleece lining is made with 30% PET (recycled plastic bottles) offers lasting warmth and comfort.
- Removable footbed provides comfort and support with every step.
- Anti-fatigue technology built into the midsole, using a geometric cone support to provide exceptional standing comfort and shock absorption.
- Durable Green Rubber™ lug outsole, made from 42% recycled rubber, offers durability and maximum traction on varied terrain.
- Measurements:
- Heel Height: 1 1⁄2 in
- Weight: 1 lb 15 oz
- Circumference: 16 in
- Shaft: 16 in
- Product measurements were taken using size 8, width B - Medium. Please note that measurements may vary by size.


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Watch this Author's files
arnold: I didn't. Please don't take my suggestion the wrong way :). Try ConvertPlot4Publication.
arnold: The goal of export_fig is to export what is on screen. By all means write a script that makes your figure the right size, have the correct line widths, fonts, etc., then calls export_fig with the correct resolution. Or use one of the several submissions that already do this.
Great tool. Worked when getframe() didn't.
Interesting. It would be useful to see how a handle class performs in comparison.
Shaun: As the error suggests, you are trying to concatenate images of different sizes. I don't get this error. Make sure your figure is not changing size between calls to export_fig() for some reason.
Awesome script! Works perfectly under Windows, but I have trouble to make it work with my Linux installation. Here is the error returned:
Error using eps2pdf (line 107) gs: /usr/local/share/matlab/R2013a/bin/glnxa64/libtiff.so.5: no version information available (required by /usr/lib/libgs.so.9) Error: /undefined in /findfont Operand stack: 96 Helvetica ISOLatin1Encoding Helvetica Helvetica Execution stack: %interp_exit .runexec2 --nostringval-- --nostringval-- --nostringval-- 2 %stopped_push --nostringval-- --nostringval-- --nostringval-- false 1 %stopped_push 1916 1 3 %oparray_pop 1915 1 3 %oparray_pop --nostringval-- 1899 1 3 %oparray_pop 1787 1 3 %oparray_pop --nostringval-- %errorexec_pop .runexec2 --nostringval-- --nostringval-- --nostringval-- 2 %stopped_push --nostringval-- --nostringval-- --nostringval-- 1868 5 5 %oparray_pop Dictionary stack: --dict:1179/1684(ro)(G)-- --dict:0/20(G)-- --dict:82/200(L)-- --dict:97/160(L)-- --dict:8/89(L)-- Current allocation mode is local Current file position is 7119 GPL Ghostscript 9.07: Unrecoverable error, exit code 1
What is happening?
How about moving the SIGNATURE into the template parameters?
template<class base, uint32_t SIGNATURE> ...
This would allow it to be changed for different derivations.
Thank a lot!
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Microsoft today, unveiled new commercials for Windows Phone 7 on Youtube. Check them out yourself.
You can stay in touch with us at Facebook or Twitter to keep yourself updated of news related to world of Technology (Download and Tutorials for Android, iOS, Windows 7 + News from the camp of Google, Microsoft, Apple).


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9:30 AM | - | Contemporary |
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1st Sunday | - | Monthly Communion |
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Contact Church Office for Special or Combined Service schedules |
6:30 PM | - | Blended |
2013 Vacation Bible School July 15-19 FBCsm VBS Registration Form & Off Campus Registration Form Download our VBS Car Wash Poster |
National Day of Prayer
First Thursday of May
"Blessed is the nation whose God is the Lord, The people He has chosen as His inheritance."
Psalm 33:12 NKJV
"People shall be brought down, Each man shall be humbled, And the eyes of the lofty shall be humbled."
Isaiah 5:15 NKJV
"Who justify the wicked for a bribe, And take away justice from the righteous man!"
Isaiah 5:23 NKJV
"If My people who are called by My name will humble themselves, and pray and seek My face,
and turn from their wicked ways, then I will hear from heaven,
and will forgive their sin and heal their land."
2 Chronicles 7:14 NKJV
"Now the Spirit expressly says that in later times some will depart from the faith,
giving heed to deceiving spirits and doctrines of demons"
1 Timothy 4:1 NKJV
"Dear children, the last hour is here. You have heard that the Antichrist is coming and already many such antichrists have appeared. From this we know that the last hour has come."
1 John 2:18 NLT
"Anyone who says that Jesus is not the Christ.
Anyone who denies the Father and the Son is an antichrist."
1 John 2:22 NLT
"Therefore do not be unwise, but understand what the will of the Lord is."
Ephesians 5:17 NKJV
"In the past God overlooked such ignorance, but now he commands all people everywhere to repent. For he has set a day when he will judge the world with justice by the man he has appointed. He has given proof of this to all men by raising him from the dead."
Acts 17:30-31 NIV
"For God will bring every work into judgment, Including every secret thing, Whether good or evil." Ecclesiastes 12:14 NKJV
"And there is no creature hidden from His sight, but all things are naked
and open to the eyes of Him to whom we must give account."
Hebrews 4:13 NKJV
"For You, Lord, are good, and ready to forgive, And abundant in mercy to all those who call upon You."
Psalm 86:5 NKJV
"Though your sins are like scarlet, They shall be as white as snow; Though they are red like crimson, They shall be as wool.
If you are willing and obedient, You shall eat the good of the land; But if you refuse and rebel, You shall be devoured by the sword".
Isaiah 1:18-20 NKJV
"Wash yourselves, make yourselves clean; Put away the evil of your doings from before My eyes. Cease to do evil, Learn to do good; Seek justice, Rebuke the oppressor;
Defend the fatherless, Plead for the widow."
Isaiah 1:16-17 NKJV
"Rejoice always, pray without ceasing, in everything give thanks;
for this is the will of God in Christ Jesus for you."
1 Thessalonians 5:16-18 NKJV
Happy Mother's Day
"My child, listen to your father's teaching and do not forget your mother's advice.
Their teaching will be like flowers in your hair or a necklace around your neck"
Proverbs 1:8-9 NCV
Memorial Day
"Greater love has no one than this, that he lay down his life for his friends."
John 15:13 NIV
"Every word of God is pure; He is a shield to those who put their trust in Him."
Proverbs 30:5 NKJV


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SDSC is trying something uncommon with HPC: allocated real time access to support "event-driven" science. One example of how the system would be used is to support analysis in the immediate aftermath of an earthquake.
When an earthquake greater than magnitude 3.5 strikes Southern California, typically once or twice a month, [Caltech computational seismologist Jeroen] Tromp expects that his simulation code will need to use 144 processors of the OnDemand system for about 28 minutes. Shortly after the earthquake strikes a job will automatically be submitted and immediately allowed to run. The code will launch and any "normal" jobs running at the time will be interrupted to make way for the on-demand job.
The 2.4 TFLOPS system is a 256 core Dell system. You can read the whole story at SC Online.
The concept isn't new (for example the DoD HPC Modernization Program has been experimenting with a large-scale interactive supercomputer for some time), but the missions that I'm aware of for these earlier deployments have either been as dedicated support systems — for example for live fire tests — application debugging, or scientific visualization.
The SDSC application is interesting, and I see demand for this kind of thing increasing over time. I'd like to see FEMA step up to fund regional- and national-scale computational disaster response and planning centers (think hurricanes, fires, floods, plagues, and terrorist acts). When not responding interactively to disasters the systems could be running planning scenarios for major risk areas around the country.


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February 12, 2007, 02:40 PM ET Bern It Down
by Jay Jaffe
So Bernie Williams has undertaken his version of Operation Shutdown, refusing the Yankees' admittedly half-assed offer of a minor-league contract for a player who — no matter his long list of accomplishments or central place in building their recent dynasty — has no business being on their 2007 roster. Instead Williams plans to continue spurning guaranteed offers from other teams and wait for the Yankees to change their minds and offer him a guaranteed roster spot. In other words, he's painting himself into a corner roughly the size of the spot on the Venn diagram where the keen strategy of a four-year-old's hold-breath-until-blue temper tantrum meets a paraphrased Yogi Berra chestnut: if he doesn't want to come to spring training, nobody's going to stop him.
Even for a Yankee fan who enjoyed Bernie's best years, I'm finding it harder to sympathize amid this sad final act than I usually do for a favored player whose career is clearly behind him. Williams' combined offensive and defensive production has been inadequate for the past four years, and while the Yankees covered for him until 2005, they paid a price (count da rings… hmmm, that would be zero) for their latter-day delusions. As Williams' talents have faded, he's done little in the way of acquiring skills that might have allowed him to hang on in a reduced capacity, say by learning first base — a position the Yanks have struggled to fill during the period of his decline — or adapting to the admittedly difficult world of pinch-hitting. Bernie's stats there, according to the fabulous new splits feature at Baseball-Reference.com show him at .205/.360/.282 in the pinch for his career, with about 2/3 of that experience coming in the last two years. Furthermore, Williams' PECOTA projection (.258/.320/.388, for an MLVr of -.114) has fallen well below that of the man taking his fourth-outfielder job with the Yanks, Melky Cabrera (.282/.341/.408 , -.033). And that's without even mentioning the defense and a throwing arm only slightly stronger than your average Thanksgiving turkey — on the plate.
Ok, enough piling on. I'm not trying to be harsh; I wish Bernie absolutely no ill and thank him for the fond memories, and hope that he simply takes the hint and bows out gracefully. The real purpose of this post is to get to reader Devin Lavelle's emailed question:
I was just wondering if you could update us on Bernie Willams' HOF status. I've always believed him to be likely the greatest unheralded players of this era. I think his HOF qualifications are fairly borderline — but I think he should be in.
According to the latest build of JAWS (which sometimes differs from what's on our DT cards), which I presume is what Devin is asking about, Williams scores at 106.2 career WARP3, 63.6 peak and 84.9 overall. That's the ninth-best score among all centerfielders:
Player Career Peak Overall Willie Mays 206.1 91.9 149.0 Ty Cobb 190.0 81.8 135.9 Tris Speaker 173.2 77.8 125.5 Mickey Mantle 155.1 85.3 120.2 Ken Griffey Jr 130.9 79.4 105.2 Joe DiMaggio 120.2 77.3 98.8 Jim Edmonds 103.9 70.6 87.3 Richie Ashburn 105.0 66.1 85.6 Bernie Williams 106.2 63.6 84.9 Andre Dawson 109.5 58.4 84.0 AVG HOF CF 111.7 65.1 88.4
Good as it is, Williams' score is 3.5 points below the average Hall centerfielder, though it is well about the median Hall centerfield score of 76.3. As an aside, I'll note that I don't think I've ever received an email critical of my decision to make JAWS such a mean bastard that wasn't arguing in favor of a sentimental favorite's JAWS score relative to the median rather than the average — which is actually not the average, because I drop the lowest at each position, so I call the positional scores "standards". The point of JAWS, as I've always maintained, is to ever-so-slightly raise the bar of Hall selections by identifiying above-average candidates.
In any event, by the JAWS method, beloved Bernie falls shy, but JAWS knows nothing about Williams' five All-Star appearances, four Fielding Grammies, 22 postseason homers or four World Series rings, the kind of stuff that can — and should — be factored into an informed voting decision. I suspect Williams will fall shy when his name comes up for a vote in six or seven years, but that he'll creep in eventually, either because so many writer hold him in high esteem due to his key role within the Yankee dynasty (the Olney position) or because he'll be at the upper end of a Veterans' Committee ballot, with a candidacy significantly stronger than the Roger Maris types certain factions tend to wishcast into Cooperstown.
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Discount to UM's baseball team's home games at Alex Rodriguez Park
GoldStar is offering a discount to see the University of Miami's baseball games at Alex Rodriguez Park at Mark Light Field. Regular price: $8. GoldStar discount price. $2, plus $4 in fees.
The University of Miami takes the diamond in 2013 looking to improve upon a 2012 campaign that saw [...]
Free Easter Egg Hunt at Vision Church Miami
The free Miami Easter Egg hunt will take place on Sunday March 24, from 10 a.m. to 2 p.m. at the Vision Church Miami. Continuous Easter Egg Hunt (eggs will be empty and exchanged for a bag of candy). The event features, bounce houses, rides and slime shows. Last year's event drew over [...]
Free PSN Town Center Car Show & Food Truck Community Event
The 2013 Classic Car Show, Food Truck, & Vendor Community Event will take place at the PSN Town Center on Sunday, March 17 from 10 a.m.-3 p.m. Admission is free.
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Experts say over 100,000 lives a year could be saved in the United States if patients focused more on preventative medicine. What is preventative medicine? What can you do in your everyday life that may make a long-term difference? On this Patient Power program, you will hear from two board certified internists from the UW Medicine Neighborhood Clinics in Western Washington. They will discuss how having an ongoing relationship with a primary care physician who you check in with regularly – even when you're well – gives you the best chance at staying healthy.
Dr. David Camitta and Dr. Edward Dy, both internists at the UW Medicine Neighborhood Clinics, explain to listeners why it is important to know your family history and how this influences the types of screenings and vaccinations you will get. Both doctors address many concerns expressed by patients who have an aversion to regular visits to a primary care physician, including concerns about being lectured about their weight or chastised by their doctor for personal lifestyle choices like smoking. Dr. Camitta assures listeners that it is not a doctor's job to judge, and it is through maintaining an ongoing relationship with patients that these fears can often be assuaged.
When it comes to preventative medicine, Dr. Camitta comments that often patients give more attention to preventative maintenance on their cars than they do on their bodies and personal health. Most people take their car in every 3,000 miles for an oil change because they want to make sure everything remains in working order. Dr. Camitta and Dr. Dy suggest if more patients took this approach to their health, a lot of medical problems could be alleviated. Find out about small lifestyle changes you can make and what you need to keep track of at home to help your primary care physician give you the best care possible.
Edward Dy, M.D.
Internal Medicine, UW Medicine, UW Medicine Neighborhood Clinics
Dr. Edward Dy is a primary care physician at the UW Medicine Neighborhood Clinic in Kent/Des Moines, WA. He received his medical degree at the University of Santo Tomas, Philippines and completed his residency at St. Francis Hospital in Illinois. Dr. Dy is Board Certified in Internal Medicine and has been practiced for more than 10 years.
more >
David Camitta, M.D.
Internal Medicine, UW Medicine, UW Medicine Neighborhood Clinics
Dr. David R Camitta is a primary care physician at the UW Medicine Neighborhood Clinic in Seattle's Belltown clinic. He received his medical degree from Memorial University of Newfoundland and completed his residency at the Cincinnati College of Medicine. He is Board Certified in General Internal Medicine.
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Free The Post Office
IN the short run, it's not all that difficult to figure out how to stanch the bleeding at the US Postal Service. True, its losses seem downright scary. In just the first half of this year, it reported losses of $6.5 billion, more than double the loss ...
JAMIE DIMON calls it "a doozy."And it was. A $2 billion credit derivatives trading bungle that could mushroom to a $4 billion loss. The shining industry agitator against some of the tougher regulations on banks has suddenly become the shining example of why still...
E Timor celebrates a decade of independence, gets new leader
DILI EAST TIMOR'S new president on Sunday lauded the 'maturity' of his young country's democracy at celebrations marking 10 years of independence, which come as UN forces prepare to leave at year's end.
"It was on this day 10 years ago that we took over the destiny of our country from the hands of the UN," Taur Matan Ruak said in a speech, referring to the 1999 UN mandate that followed Indonesia's 24- year occupation.
Ruak, a former guerrilla leader, spoke only hours after being sworn in shortly after midnight and said the peaceful elections he won testified to "the maturity of our democracy and bears witness to the stability" of East Timor, known as Timor-Leste in Portuguese.
His speech followed a minute of silence for fallen heroes of the resistance against Indonesian occupation, before invited guests that included Indonesian President Susilo Bambang Yudhoyono and some 400 ordinary Timorese gathered outside the gates of the presidential palace in Dili.
After his speech Ruak inaugurated a new Resistance Museum in the capital, saying now "our children will have the opportunity to learn about the most important legacy that previous generations have bequeathed unto them." The celebrations included traditional dances followed by an evening concert with local, Indonesian and Brazilian musicians.
In his inaugural speech, Ruak urged his countrymen to work hard to lift the country out of poverty and turn the page on its bloody past.
East Timor, one of Asia's poorest nations, has enjoyed several years of relative peace and is in a crucial period, with general elections due in July and UN forces stationed there since 1999 set to depart by the end of the year.
But despite having left bouts of major unrest behind it, the half-island country of 1.1 million people remains hobbled by extreme poverty and corruption.
Ruak, 55, took over the presidency from Nobel laureate Jose Ramos-Horta in an emotional ceremony at the beachfront area of Tasi Tolu near Dili where East Timor declared its independence exactly 10 years ago.
"There was a time in the past when blood and fighting spirit was what was demanded from us," the ex-army chief said, to loud applause from thousands of people. "Today, what is required from us is sweat and hard work." Ruak also called for the country to diversify its economy — more than 90 percent of state spending currently comes from oil and gas earnings.
"It is imperative to change the essence of the economic system on which the country is currently based," he said at Tasi Tolu, calling for "the diversification of our economy" and "reducing our dependency from abroad and from oil".
The nation first declared independence on November 28, 1975, after Portugal ended four centuries of colonial rule, but was immediately invaded by Jakarta's forces.
Up to 183,000 people died from fighting, disease and starvation under the Indonesian occupation.
Since independence, the nation has endured a political crisis in 2006 that killed 37 people and displaced tens of thousands, and Ramos-Horta was lucky to survive an assassination attempt in 2008.
"Our history is a narrative of struggles and of hard work," said Ruak, who spent decades in the mountains fighting Indonesian forces. "This tradition of hard work and dedication to our country has to be transposed to the present, to lift our people from their current predicament where the majority are poor, to a stage in the future where the majority will be well off," he said.
"Today, the responsibility of leading a peaceful, serene and stable state has been entrusted upon me," Ruak added.
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Celebrating 125 years in the car-building business, Mercedes-Benz showcased a car that raises a glass to that heritage with the F-125! Gullwing concept at the 2011 Frankfurt show. The hydrogen-powered car is what can be expected of Mercedes by 2025, the company says, and will be able to travel up to 1,000 kilometres and produce zero emissions. It's a part of three-lane path that Mercedes is following, one using efficiencies in the internal combustion engine, one using electric vehicles in urban settings, and the other, hydrogen-powered cars. The sleek-looking F-125! (does it really need the exclamation?) is a luxurious four-seater surrounded by a body made of different metals and composites. Touch, speed, and hand gestures will apparently allow for semi-autonomous driving.
Mercedes also revealed its first extended-range electric vehicle, which the company says will go into production. Similar to the Chevrolet Volt, the B-Class E-Cell Plus uses a lithium-ion battery to give a battery-only range of 100 kilometres. When those go dead, a 67-horsepower, 1.0-liter three-cylinder turbocharged gas engine steps in to extend the range to about 500 kms, but also charge the battery via a generator. All told, there's about 136 horsepower from the electric drive system, good for zero to 100 km/h times of 11 seconds and a top speed of about 150 km/h. There was no word on a firm launch date.
After weeks of waiting to see the new Porsche 911 after official images slipped onto the web last month, the real thing finally came into view at the ... more »
When preparing reviews on most cars, they can be suitably evaluated on streets and highways, using the vehicles in the daily routines familiar to consumers... more »
Saturday morning dawned with a cloudless sky. The temperature before 6 a.m. hovered at six degrees, but in my driveway sat the new, 2012 Porsche 911 Carrera... more »


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Open: daily except for Monday 10 a.m. – 5 p.m.
Saturday – Sunday 11a.m. – 6 p.m.
Conversion Rate 1 € = 30,1260 Sk
Adults: 6 € 180, 76,-Sk
Reduced (children, students, pensioners): 3 € 90,38,- Sk
Family ticket: 12 €, children under 14 years 361, 51,- Sk
School groups: 1,30 € per person, at least ten children, 39,16,- Sk
Ticket is Valid for Museum of Viticulture
Period Rooms Museum / Apponyi House
The museum is housed in Apponyi House which was built in 1761 – 1762. The first floor with the original wooden wall-panelling and paintings is furnished as a grand piano nobile evoking an aristocratic interior from the end of the 18th century. On the second floor, in rooms with restored wall paintings, examples of town-house interiors from the end of the 18th up to the end of the 19th centuries are displayed.