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On its way to becoming the nation's largest mortgage lender, the Countrywide Financial Corporation encouraged its sales force to court customers over the telephone with a seductive pitch that seldom varied. I want to be sure you are getting the best loan possible, the sales representatives would say.
But providing the best loan possible to customers wasn't always the bank's main goal, say some former employees. Instead, potential borrowers were often led to high-cost and sometimes unfavorable loans that resulted in richer commissions for Countrywide's smooth-talking sales force, outsize fees to company affiliates providing services on the loans, and a roaring stock price that made Countrywide executives among the highest paid in America.
Countrywide's entire operation, from its computer system to its incentive pay structure and financing arrangements, is intended to wring maximum profits out of the mortgage lending boom no matter what it costs borrowers, according to interviews with former employees and brokers who worked in different units of the company and internal documents they provided. One document, for instance, shows that until last September the computer system in the company's subprime unit excluded borrowers' cash reserves, which had the effect of steering them away from lower-cost loans to those that were more expensive to homeowners and more profitable to Countrywide.
Now, with the entire mortgage business on tenterhooks and industry practices under scrutiny by securities regulators and banking industry overseers, Countrywide's money machine is sputtering. So far this year, fearful investors have cut its stock in half. About two weeks ago, the company was forced to draw down its entire $11.5 billion credit line from a consortium of banks because it could no longer sell or borrow against home loans it has made. And last week, Bank of America invested $2 billion for a 16 percent stake in Countrywide, a move that came amid speculation that Countrywide's survival was in question and that it had become a takeover target notions that Countrywide publicly disputed.
Homeowners, meanwhile, drawn in by Countrywide sales scripts assuring the best loan possible, are behind on their mortgages in record numbers. As of June 30, almost one in four subprime loans that Countrywide services was delinquent, up from 15 percent in the same period last year, according to company filings. Almost 10 percent were delinquent by 90 days or more, compared with last year's rate of 5.35 percent.
Many of these loans had interest rates that recently reset from low teaser levels to double digits; others carry prohibitive prepayment penalties that have made refinancing impossibly expensive, even before this month's upheaval in the mortgage markets.
To be sure, Countrywide was not the only lender that sold questionable loans with enormous fees during the housing bubble. And as real estate prices soared, borrowers themselves proved all too eager to participate, even if it meant paying high costs or signing up for a loan with an interest rate that would jump in coming years.
But few companies benefited more from the mortgage mania than Countrywide, among the most aggressive home lenders in the nation. As such, the company is Exhibit A for the lax and, until recently, highly lucrative lending that has turned a once-hot business ice cold and has touched off a housing crisis of historic proportions.
"In terms of being unresponsive to what was happening, to sticking it out the longest, and continuing to justify the garbage they were selling, Countrywide was the worst lender," said Ira Rheingold, executive director of the National Association of Consumer Advocates. "And anytime states tried to pass responsible lending laws, Countrywide was fighting it tooth and nail."
Started as Countrywide Credit Industries in New York 38 years ago by Angelo R. Mozilo, a butcher's son from the Bronx, and David Loeb, a founder of a mortgage banking firm in New York, who died in 2003, the company has become a $500 billion home loan machine with 62,000 employees, 900 offices and assets of $200 billion. Countrywide's stock price was up 561 percent over the 10 years ended last December.
Mr. Mozilo has ridden this remarkable wave to immense riches, thanks to generous annual stock option grants. Rarely a buyer of Countrywide shares he has not bought a share since 1987, according to Securities and Exchange Commission filings he has been a huge seller in recent years. Since the company listed its shares on the New York Stock Exchange in 1984, he has reaped $406 million selling Countrywide stock.
As the subprime mortgage debacle began to unfold this year, Mr. Mozilo's selling accelerated. Filings show that he made $129 million from stock sales during the last 12 months, or almost one-third of the entire amount he has reaped over the last 23 years. He still holds 1.4 million shares in Countrywide, a 0.24 percent stake that is worth $29.4 million.
"Mr. Mozilo has stated publicly that his current plan recognizes his personal need to diversify some of his assets as he approaches retirement," said Rick Simon, a Countrywide spokesman. "His personal wealth remains heavily weighted in Countrywide shares, and he is, by far, the leading individual shareholder in the company."
Mr. Simon said that Mr. Mozilo and other top Countrywide executives were not available for interviews. The spokesman declined to answer a list of questions, saying that he and his staff were too busy.
A former sales representative and several brokers interviewed for this article were granted anonymity because they feared retribution from Countrywide.
AMONG Countrywide's operations are a bank, overseen by the Office of Thrift Supervision; a broker-dealer that trades United States government securities and sells mortgage-backed securities; a mortgage servicing arm; a real estate closing services company; an insurance company; and three special-purpose vehicles that issue short-term commercial paper backed by Countrywide mortgages.
Last year, Countrywide had revenue of $11.4 billion and pretax income of $4.3 billion. Mortgage banking contributed mightily in 2006, generating $2.06 billion before taxes. In the last 12 months, Countrywide financed almost $500 billion in loans, or around $41 billion a month. It financed 177,000 to 240,000 loans a month during the last 12 months.
Countrywide lends to both prime borrowers, those with sterling credit and so-called subprime, or riskier, borrowers. Among the $470 billion in loans that Countrywide made last year, 45 percent were conventional nonconforming loans, those that are too big to be sold to government-sponsored enterprises like Fannie Mae or Freddie Mac. Home equity lines of credit given to prime borrowers accounted for 10.2 percent of the total, while subprime loans were 8.7 percent.
Regulatory filings show that, as of last year, 45 percent of Countrywide's loans carried adjustable rates, the kind of loans that are set to reprice this fall and later, and which are causing so much anxiety among borrowers and investors alike. Countrywide has a huge presence in California: 46 percent of the loans it holds on its books were made there, and 28 percent of the loans it services are there. Countrywide packages most of its loans into securities pools that it sells to investors.
Another big business for Countrywide is loan servicing, the collection of monthly principal and interest payments from borrowers and the disbursement of them to investors. Countrywide serviced 8.2 million loans as of the end of the year; in June the portfolio totaled $1.4 trillion. In addition to the enormous profits this business generates; $660 million in 2006, or 25 percent of its overall earnings, customers of the Countrywide servicing unit are a huge source of leads for its mortgage sales staff, say former employees.
In a mid-March interview on CNBC, Mr. Mozilo said Countrywide was poised to benefit from the spreading crisis in the mortgage lending industry. "This will be great for Countrywide," he said, "because at the end of the day, all of the irrational competitors will be gone."
But Countrywide documents show that it, too, was a lax lender. For example, it wasn't until March 16 that Countrywide eliminated so-called piggyback loans from its product list, loans that permitted borrowers to buy a house without putting down any of their own money. And Countrywide waited until Feb. 23 to stop peddling another risky product, loans that were worth more than 95 percent of a home's appraised value and required no documentation of a borrower's income.
As recently as July 27, Countrywide's product list showed that it would lend $500,000 to a borrower rated C-minus, the second-riskiest grade. As long as the loan represented no more than 70 percent of the underlying property's value, Countrywide would lend to a borrower even if the person had a credit score as low as 500. (The top score is 850.)
The company would lend even if the borrower had been 90 days late on a current mortgage payment twice in the last 12 months, if the borrower had filed for personal bankruptcy protection, or if the borrower had faced foreclosure or default notices on his or her property.
Such loans were made, former employees say, because they were so lucrative to Countrywide. The company harvested a steady stream of fees or payments on such loans and busily repackaged them as securities to sell to investors. As long as housing prices kept rising, everyone…borrowers, lenders and investors appeared to be winners.
One former employee provided documents indicating Countrywide's minimum profit margins on subprime loans of different sizes. These ranged from 5 percent on small loans of $100,000 to $200,000 to 3 percent on loans of $350,000 to $500,000. But on subprime loans that imposed heavy burdens on borrowers, like high prepayment penalties that persisted for three years, Countrywide's margins could reach 15 percent of the loan, the former employee said.
Regulatory filings show how much more profitable subprime loans are for Countrywide than higher-quality prime loans. Last year, for example, the profit margins Countrywide generated on subprime loans that it sold to investors were 1.84 percent, versus 1.07 percent on prime loans. A year earlier, when the subprime machine was really cranking, sales of these mortgages produced profits of 2 percent, versus 0.82 percent from prime mortgages. And in 2004, subprime loans produced gains of 3.64 percent, versus 0.93 percent for prime loans.
One reason these loans were so lucrative for Countrywide is that investors who bought securities backed by the mortgages were willing to pay more for loans with prepayment penalties and those whose interest rates were going to reset at higher levels. Investors ponied up because pools of subprime loans were likely to generate a larger cash flow than prime loans that carried lower fixed rates.
As a result, former employees said, the company's commission structure rewarded sales representatives for making risky, high-cost loans. For example, according to another mortgage sales representative affiliated with Countrywide, adding a three-year prepayment penalty to a loan would generate an extra 1 percent of the loan's value in a commission. While mortgage brokers' commissions would vary on loans that reset after a short period with a low teaser rate, the higher the rate at reset, the greater the commission earned, these people said.
Persuading someone to add a home equity line of credit to a loan carried extra commissions of 0.25 percent, according to a former sales representative.
"The whole commission structure in both prime and subprime was designed to reward salespeople for pushing whatever programs Countrywide made the most money on in the secondary market," the former sales representative said.
CONSIDER an example provided by a former mortgage broker. Say that a borrower was persuaded to take on a $1 million adjustable-rate loan that required the person to pay only a tiny fraction of the real interest rate and no principal during the first year, a loan known in the trade as a pay option adjustable-rate mortgage. If the loan carried a three-year prepayment penalty requiring the borrower to pay six months' worth of interest at the much higher reset rate of 3 percentage points over the prevailing market rate, Countrywide would pay the broker a $30,000 commission.
When borrowers tried to reduce their mortgage debt, Countrywide cashed in: prepayment penalties generated significant revenue for the company; $268 million last year, up from $212 million in 2005. When borrowers had difficulty making payments, Countrywide cashed in again: late charges produced even more in 2006 some $285 million.
The company's incentive system also encouraged brokers and sales representatives to move borrowers into the subprime category, even if their financial position meant that they belonged higher up the loan spectrum. Brokers who peddled subprime loans received commissions of 0.50 percent of the loan's value, versus 0.20 percent on loans one step up the quality ladder, known as Alternate-A, former brokers said. For years, a software system in Countrywide's subprime unit that sales representatives used to calculate the loan type that a borrower qualified for did not allow the input of a borrower's cash reserves, a former employee said.
A borrower who has more assets poses less risk to a lender, and will typically get a better rate on a loan as a result. But, this sales representative said, Countrywide's software prevented the input of cash reserves so borrowers would have to be pitched on pricier loans. It was not until last September that the company changed this practice, as part of what was called in an internal memo the "Do the Right Thing" campaign.
According to the former sales representative, Countrywide's big subprime unit also avoided offering borrowers Federal Housing Administration loans, which are backed by the United States government and are less risky. But these loans, well suited to low-income or first-time home buyers, do not generate the high fees that Countrywide encouraged its sales force to pursue.
A few weeks ago, the former sales representative priced a $275,000 loan with a 30-year term and a fixed rate for a borrower putting down 10 percent, with fully documented income, and a credit score of 620. While a F.H.A. loan on the same terms would have carried a 7 percent rate and 0.125 percentage points, Countrywide's subprime loan for the same borrower carried a rate of 9.875 percent and three additional percentage points.
The monthly payment on the F.H.A. loan would have been $1,829, while Countrywide's subprime loan generated a $2,387 monthly payment. That amounts to a difference of $558 a month, or $6,696 a year, no small sum for a low-income homeowner.
"F.H.A. loans are the best source of financing for low-income borrowers," the former sales representative said. "So Countrywide's subprime lending program is not living up to the promise of providing the best loan programs to its clients," he said.
Mr. Simon of Countrywide said that Federal Housing Administration loans were becoming a bigger part of the company's business.
"While they are very useful to some borrowers, F.H.A./V.A. mortgages are extremely difficult to originate in markets with above-average home prices, because the maximum loan amount is so low," he said. "Countrywide believes F.H.A./V.A. loans are an increasingly important part of its product menu, particularly for the homeownership hopes of low- to moderate-income and minority borrowers we have concentrated on reaching and serving."
WORKDAYS at Countrywide's mortgage lending units centered on an intense telemarketing effort, former employees said. It involved chasing down sales leads and hewing to carefully prepared scripts during telephone calls with prospects.
One marketing manual used in Countrywide's subprime unit during 2005, for example, walks sales representatives through the steps of a successful call. "Step 3, Borrower Information, is where the Account Executive gets on the Oasis of Rapport," the manual states. "The Oasis of Rapport is the time spent with the client building rapport and gathering information. At this point in the sales cycle, rates, points, and fees are not discussed. The immediate objective is for the Account Executive to get to know the client and look for points of common interest. Use first names with clients as it facilitates a friendly, helpful tone."
If clients proved to be uninterested, the script provided ways for sales representatives to be more persuasive. Account executives encountering prospective customers who said their mortgage had been paid off, for instance, were advised to ask about a home equity loan. "Don't you want the equity in your home to work for you?" the script said. "You can use your equity for your advantage and pay bills or get cash out. How does that sound?"
Other documents from the subprime unit also show that Countrywide was willing to underwrite loans that left little disposable income for borrowers' food, clothing and other living expenses. A different manual states that loans could be written for borrowers even if, in a family of four, they had just $1,000 in disposable income after paying their mortgage bill. A loan to a single borrower could be made even if the person had just $550 left each month to live on, the manual said.
Independent brokers who have worked with Countrywide also say the company does not provide records of their compensation to the Internal Revenue Service on a Form 1099, as the law requires. These brokers say that all other home lenders they have worked with submitted 1099s disclosing income earned from their associations.
One broker who worked with Countrywide for seven years said she never got a 1099.
"When I got ready to do my first year's taxes I had received 1099s from everybody but Countrywide," she said. I called my rep and he said, "We're too big. There's too many. We don't do it."
A different broker supplied an e-mail message from a Countrywide official stating that it was not company practice to submit 1099s. It is unclear why Countrywide apparently chooses not to provide the documents. Countrywide boasts that it is the No. 1 lender to minorities, providing those borrowers with their piece of the American homeownership dream. But it has run into problems with state regulators in New York, who contended that the company overcharged such borrowers for loans. Last December, Countrywide struck an agreement with Eliot Spitzer, then the state attorney general, to compensate black and Latino borrowers to whom it had improperly given high-cost loans in 2004. Under the agreement, Countrywide, which cooperated with the attorney general, agreed to improve its fair-lending monitoring activities and set up a $3 million consumer education program.
But few borrowers of any sort, even the most creditworthy, appear to escape Countrywide's fee machine. When borrowers close on their loans, they pay fees for flood and tax certifications, appraisals, document preparation, even charges associated with e-mailing documents or using FedEx to send or receive paperwork, according to Countrywide documents. It's a big business: During the last 12 months, Countrywide did 3.5 million flood certifications, conducted 10.8 million credit checks and 1.3 million appraisals, its filings show. Many of the fees go to its loan closing services subsidiary, LandSafe Inc.
According to dozens of loan documents, LandSafe routinely charges tax service fees of $60, far above what other lenders charge, for information about any outstanding tax obligations of the borrowers. Credit checks can cost $36 at LandSafe, double what others levy. Some Countrywide loans even included fees of $100 to e-mail documents or $45 to ship them overnight. LandSafe also charges borrowers $26 for flood certifications, for which other companies typically charge $12 to $14, according to sales representatives and brokers familiar with the fees.
LAST April, Countrywide customers in Los Angeles filed suit against the company in California state court, contending that it overcharged borrowers by collecting unearned fees in relation to tax service fees and flood certification charges. These markups were not disclosed to borrowers, the lawsuit said.
Appraisals are another profit center for Countrywide, brokers said, because it often requires more than one appraisal on properties, especially if borrowers initially choose not to use the company's own internal firm. Appraisal fees at Countrywide totaled $137 million in 2006, up from $110 million in the previous year. Credit report fees were $74 million last year, down slightly from 2005.
All of those fees may soon be part of what Countrywide comes to consider the good old days. The mortgage market has cooled, and so have the company's fortunes. Mr. Mozilo remains undaunted, however.
In an interview with CNBC on Thursday, he conceded that Countrywide's balance sheet had to be strengthened. "But at the end of the day we could be doing very substantial volumes for high-quality loans," he said, "because there is nobody else in town."

subset: commoncrawl


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One Clue Crossword Chapter 25 - ID 395
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text:
Sunday, March 21, 2010
Repurposing materials for patchwork journals
So, the covers of these journals are made with small scraps of leather that have been matched and colour coordinated, adhered to a larger piece of leather, trimmed to fit a prepared textblock, then stitched.
The paper used for the pages has all come from the paper recycling bin beside my work table. That includes whatever I found in there, like papers from the computer printer, envelopes, sketchbook covers, paper leftover from other projects, etc. The result is an interesting mix of papers in each book, suitable for art journals or any writer who likes to get creative while journaling. Closures on these journals are made from either strips of leather found in the scrap pile and/or reclaimed buttons. I made eight of these books last week, and sadly, there has been no discernible difference in the size of Leatherscrap Mountain.
14 comments:
- lynda howells said...
beautiful! how waste becomes un-wasted! brillentxlynda
- 9:40 pm
- elizabeth rosemond said...
those are gorgeous rhonda!
- 2:35 am
- tammykingdon said...
Tese sre absolutely gorgeous! Don't bemoan the size of your stash, just think how many more beauties like these you can make!
- 7:22 am
- Gina said...
These are beautiful, Rhonda! It's great you are able to recycle and create something so gorgeous at the same time! Maybe some of the remaining bits can become straps or closures for other books.
- 11:44 am
- PocketSize said...
Very cool! I love journals with all different papers, they have such character before you even put a pen to them. And you've made such a fabulous use of your leather scraps. Love it!
- 12:23 pm
- Cindy Leaders said...
Waste not and these want nothing! Amazing, Rhonda! You continually inspire.
- 12:46 pm
- Lesley said...
Wow. Absolutely fabulous. Lesley
- 2:14 pm
- Jessica Loughrey said...
i love these!
- 2:42 pm
- MyHandboundBooks said...
thanks for all the positive comments lynda, elizabeth, tammy, gina, pocketsize, usefulbooks, Blue, and jessica :-)
- 11:11 pm
This is the most inspiring pile of anything that I have seen in a long long time....besides the piles in my own studion of course,,,,what you did with them is gorgeous....lovely work!
- 11:25 am
- Deb said...
very cool!
- 10:02 am
- Toughie said...
Hi :D I've been checking your blog (while wearing my awesome notebook pendant!). You do absolutely awesome work :D Just wanted to ask what kind of sewing machine you have? I'm in the market for a new one, and I'm trying round up some preferences.
Trudy - 9:39 pm
- MyHandboundBooks said...
thanks Cynnie and Deb!
and thanks Trudy! I just use a normal sewing machine which is about 20 years old, I think it's a Kenmore, nothing special about it, though! - 7:51 am
- Sorobai said...
Wow! You are amazing! Is there anything you can't recycle and turn beautiful!? Good job and thanks for sharing!
- 10:44 am


text:
She referred to her G-Spot as her Goddess-Spot. When she had first tried to find it she wasn't exactly sure where it was located inside her vagina. But when she slipped her G-Spot Stimulate-Her inside herself the curved shape automatically pressed against her elusive G-Spot, and she had no doubts about its location after that. Now she was ready to discover her first G-Spot orgasm. She pressed the warming function button to make her Stimulate-Her heat up to a comfy 104 degrees. The warmth felt good.
She used the remote control to turn on the quiet vibration. Wow. Both motors were strong and they excited her clit and G-Spot at the same time. She felt the little tail portion tickling her perineum right past her vagina. The tickling vibration here was a new sensation for her and she amazed at how it electrified her senses. She pressed the remote control again to increase the intensity of vibration. Her eyelids fluttered as the pleasure inside her grew. She pressed again and again and enjoyed each of the unique sensations of the varying vibration patterns.
She had heard that it takes longer to reach a G-Spot orgasm so she took her time allowing the incredibly thrilling feelings to overwhelm her with pleasure. She found herself rocking as she entered this intense orgasmic state. She felt her climax roll through her and felt strong contractions in her pc muscles and pelvic floor. It wasn't like anything she had ever felt before! Her orgasm seemed to go on and on and last for an eternity. Her body finally relaxed and she caught her breath, feeling more relaxed and fulfilled than ever before. Later, when she shared the remote control with her lover, she knew would find herself again feeling this incredibly unique pleasure. Oh yes, she would crave G-Spot orgasms. She was hooked.
It's all about Her.
Length: 11.4 cm
Width: 11.4 cm
Height: 11.4 cm
Insertable Length: 8.9 mm
Weight: 130.41 grams
Battery Info: Rechargeable Lithium Battery (Included)
Material: Silicone, ABS Plastic


text:
Philippe Fremy has conducted the
first part of his interview with
Trolltech's President Eirik Eng.
Read about Trolltech's revenues, employees, partnerships, licensing, origins
and more below.
Trolltech Questions
Philippe Fremy (Q). We are very curious about Trolltech's business model.
Could you detail us your various sources of income: Qt/Embedded, Windows
and Unix licenses?
Eirik Eng (A). We typically generate 50% of our income from Duo
Packs -- these are licenses to develop on Windows and Unix. We also
generate around 20% of sales from Qt/Embedded, and the rest is from
single platform Qt licenses.
Q. How are things financially with the economy
being in the state it is?
A. Things are fine. We have continued to grow at more
or less the rate we had planned. We're more or less on budget, and we're
not too worried about making it through the downturn.
Q. Do you feel you are losing money because of
GPL Qt?
A. We had the same rate of growth before the change
in license. In the very
early years, we were afraid that if we GPLed Qt, someone with more
development muscle would create a hostile fork of Qt and, in a sense,
take over our only product. You just don't take any chances with your
only bread and butter.
So, as soon as we felt that we could outrun anyone trying to make a
hostile fork, we switched to using the GPL. The switch did not affect
our customers, and it had very little practical impact on the Open
Source community. But the symbolic effect was astronomical. My inbox was
flooded with "thank you" e-mails for quite some time.
Q. How many employees do you have
at the moment,
where and how many in each department?
A. We currently have around 65 employees (I think--I am losing track now).
There are 35 in engineering, 4 in product management, 4 in
Marketing/Communications, 6 in sales, and the rest in management and
administration. We currently have three offices: Our head office in
Oslo, Norway; our embedded development center in Brisbane, Australia; and
our sales and marketing office in Silicon Valley, California.
Q. Did the creation of the KDE project change
something for you? Do you get any revenue from KDE?
A. We don't generate income from KDE directly, but KDE has certainly been
instrumental in our success. Through KDE, many of our current customers
learned about us. Many engineers hack on KDE in the evening, and then
go into work in the morning and typically work as a developer. If they
like Qt, they ask their boss if they can buy it.
Q. Do you have any relations with
the distribution
companies? Does
theKompany and Trolltech have contacts with each other? What about the
financial issue (does theKompany pay for using Qt?) Does theKompany ask
for new features?
A. We don't have any formal relationships with the
distribution companies, but we have frequent contact with all the major
ones. In the past we have worked with Caldera (created their Lizard
installation package for them). And, as you might know, SuSE just
published an 1100+ book on Qt in German.
We do work closely with several key embedded Linux distributors, with
partnerships that include reselling Qt/Embedded and Qt Palmtop.
As for theKompany, we work with them, although we don't
have any formal
agreements, except on the distribution of BlackAdder.
Q. How many partnerships do you have?
What is their goal (redistributing Qt license under a special condition)?
Do they work?
A. We have several goals when it comes to partnering.
With Qt Desktop, our
goal is to help it ease into new markets, therefore a partnership in
this area would involve the integration of new features, via third
parties, to make Qt more attractive to certain markets.
With Qt/Embedded, we immediately found that in the embedded space,
manufacturers wanted reassurances that things will work well together.
So we work with embedded Linux distributors and various other suppliers
to make the decision of going with Linux as easy as possible.
Q. Do you have any big deals?
We all know about Opera and Kylix, but do
you have some big company using Qt massively?
A. We do have several big deals, many
of which we
don't publicize. Several
large Electronic Design Automation (EDA) companies have standardized on
Qt, such as Agilent and Synopsis. We have many customers in the 3D
graphics industry, where they use Qt to build design tools to be used by
artists. Aerospace, manufacturing, and medical imaging are all
industries where Qt is doing quite well. I think one of the coolest is
the fact that the European Space Agency is using a Qt-based program for
satellite simulations.
At the recent LinuxWorld in San Francisco, we were told
that several
companies have started using "Built with Qt technology" as a marketingpoint-without us asking them to!
Q. What inspired Trolltech to start building Qt,
or put another way, what led to the forming of Trolltech?
What feature had the toolkit at the beginning?
A. Haavard Nord, Trolltech's CEO,
and I had been working together with
various cross-platform GUI tools back in 1991. We were both very
disappointed in their quality and were sure we could do it much better.
Haavard went on to write his Masters thesis on GUI design, while I wrote
a C++ GUI toolkit for a Norwegian company. In 1993 he called me up and
suggested that we should join forces and use our experience in GUI
design to write the toolkit that would be the king of toolkits. We had
no customers, no funding and a lot of enthusiasm. Luckily we were both
married to wives who had full-time jobs. We used some savings to rent a
small office and hacked away for a year while our wives fed and cared
for us. It was a great period, we had the luxury of working undisturbed
with something that we were really passionate about. We had seen the
pain of traditional GUI programming, and our goal was to make it
pleasant to program GUIs. I think we have succeeded in that.
The features that Qt 1.0 came with were pretty limited.
E.g we did not
have a multiline text widget! We recently hired the guy who bought the
first Qt licenses--he occasionally jokes that one of our big selling
features was that Qt could rotate text.
Q. Just curious, how did your company
arrive at the name "Trolltech"? Do you mind the resulting
nickname of "the trolls" at all?
A. Haavard and I were thinking about what to call
the company for a while. One night, Haavard had a dream where the company
was called "Trolltech". In the dream his wife hated the name,
so he asked her what she thought when he woke up. She liked it.
The rest is history.
As to being referred to as "Trolls", we don't
mind. Trolls are
something very Scandinavian, and in a way provides a title for all of us
to share. It's kind of a bonding thing.
Q. Who owns Trolltech AS?
A. We do. That is to say, the employees own 70%
of Trolltech. We have
created a charitable foundation that owns 5% of the company. We have
also received some investments from Borland, The Canopy Group (Lineo,
Caldera, etc), Northzone Ventures, Teknoinvest, and Orkla.
Q. Is Trolltech planning to go public,
with their stock, anytime soon?
A. While we don't have a specific timeline,
going public is certainly an objective of Trolltech.
Q. How does one go about getting a job at TT?
What are the qualifications that you desire for programmers and do they
need degrees in computer science/engineering? Do you hire based on reviewing
contributions to KDE?
A. We hire based on one thing--how well you can code.
We briefly skim a CV, and then dig deep into the code to see what the
applicant can do. If we like what we see, we usually fly
the applicant in to Oslo so that they can meet the rest of the team.
We only hire the best, and I mean the best. Our engineers do
brilliant things. I am constantly amazed at what they do, and I like to
consider myself to be a pretty good hacker (at least I used to be,
before my hair got too pointy).
When it comes to hiring non-technical people, we usually make them do a
test. When we hire PR people, for instance, we tell them about an
upcoming press release we have in the works, and then make them write
it. The hiring process is a rigorous one.
Technical questions
Q. What makes Qt so good?
A. Three things:
- An excellent team of engineers;
- A solid base with which to work from (we could have pushed Qt 1.0 out
in a quarter of the time, but we took our time to build a base that we
could continue to expand); and - Snapshot releases every 24 hours coupled with a committed and
enthusiastic user base that gives us constant feedback.
Q. What OS/distro/desktop do the Qt developers use?
A. There are a variety of environments in the office.
The developers
typically use Linux, although several use Windows. There are several
different Linux distros kicking around the office, but only one
Q. There are many Qt advocates here, but, when
pushing it in our companies, we are often confronted with Java, MFC.
Do you have any very sensible argument to help us convince management
to use Qt instead of any other toolkit? Do you have also sensible
arguments for Gtk?
A. We do have several arguments for each.
- Java: Given the nature of Java, it can't run natively on any given
platform. There are speed and memory issues associated with Java that
Qt does not have. - MFC: Two main advantages. Qt is cross-platform, and, given our
customers/users feedback, much more intuitive and easy to code with. - Gtk: Although Gtk is on Windows as well as X, Qt has a far better cross
platform implementation. Qt is written in C++, instead of C, has a
company standing behind it, and needs much less code to write the same
Q. What is Trolltech's position on the full C++
standard? E.g., do you advocate the use of all aspects of the STL,
and if so, are future versions of QT going to be based around the STL?
A. There are still some compiler and memory
usage issues with STL. Many of our users use STL together with Qt
without any problems, there really aren't that many parts of the Qt
API that require conversions to be done.
Q. Further to this, are there plans to get the
signal/slot mechanism of moc into the C++ standard, or do you feel
a preprocessor is a fully satisfactory solution?
A. We are not working actively to make this happen,
although one of our developers has talked to Bjarne Stroustrup about
this possibility.
Q. Displays are getting bigger, and screen elements
are getting lost - e.g., icons must now be produced in multiple sizes.
People also want to use things on smaller screens - e.g., the ipaq.
Are there any plans to make Qt pixel independent, like Fresco or Berlin?
A. No, we currently do not have plans
for this.
Q. When Qt comes to Mac will Linux and Windows
users be able to use the Aqua theme?
A. No, they will not be able to. Apple is very
protective of the Aqua design, so we will not be implementing it on
other platforms. Apple has offered their help to promote Qt/Mac, and
we don't feel that going against their wishes will help them or us.
Q. What will be in Qt4?
A. We don't know yet. We have a few really cool
things we're working on
right now, but we don't know if they are going into later versions of
the 3.x series, or if we'll wait until 4.0. You will have to just wait
and see.
When ?
When you go download the QT3 beta.
What is happening with integrating speech recognition engine Via Voice with QT?
Via Voice is closed. Sooo, no-one used it, as far as I know. The idea was, i think, people making closed source KDE apps could license and use that.
Will there be a GPL version of the QT port to MacOS X, that would enable a user to run any GPL-ed pure-QT app on MacOS X as native?
take a wild guess !
my guess is NO
if you want to run GPL software on darwin why dont you run X ?
then you can run GPL QT
search for XonX
john jones
Though I don't know anything about porting QT for X Windows to Mac, there are some planning to do this for Windows. Check out:
Apparently there is not a whole lot to port - QT obviously does not want to have a lot of platform specific stuff.
Currently kde-cygwin requires X Windows, but as you can see from the FAQ they are planning to port to native windows.
My guess is no. I believe Qt/Mac will be treated exactly like Qt/Windows. Here's my detective work as to why:
1) Check out this link: http://www.trolltech.com/company/announce/edumac.html
Apparently, Qt/Mac will be free for academic use. This would only be relevent if there is no GPL Qt/Mac.
2) See the Non-commercial Qt FAQ: http://www.trolltech.com/developer/faq/noncomm.html
It states: "We released Qt/X11 under those licenses, because it runs as major component on totally Free operating systems..." and "Once Microsoft Windows is completely open source, we will reconsider." Since MacOS X is not fully open source, it will be treated like Windows.
3) The Aqua look is heavily guarded by Apple. If Qt/Mac was GPL, then the Aqua QStyle would be too. This would go against Apple policy.
There you have it.
We might see a "non-commercial" version, like they did with Qt/Windows.
Why are there no free qt3 beta snapshots for use with MS Visual C++ and why doesn't the qt free 2.3 version work with the author's edition of MSVC++? Is this a limitation from ms or trolltech?
Because, unfortunately, Qt for windows is ruined by greed.
New, poor developers like me are stuck with mfc or java on windows. It is pure torture. I want out, but I want my windows friends to be able to use my programs. I hate this economy.
By the way, more open source developers for windows should let Qt know they exist. Go on, start protesting! Don't make me steal $2490 from my place of work!
Why can't we just assume that a developer under Windows already paid a lot for the Windows license and the license for whatever IDE he uses, and why should he then still be too "poor" to do just the same with Qt?
I didn't pay for a Windows licence and I didn't pay for a MS Visual Studio Licence - they are free for me as I have access to MSDN Academic Alliance. I want to develop free Windows software and share it with other students of my university, but I can't afford to pay thousands of dollars to Trolltech. Why don't the rules of GPL make sense for Trolltech in the Windows environment?
And even if I had to pay for the licences, WindowsXP costs me about $100, VC++ is about $150 - how does Trolltech justify ten times this amount just for a GUI?
Microsoft let users pay per system, Trolltech let developers pay per supported platform. If you want a development platform without paying any license costs you can easily settle with an all GPL'ed system. MSDN Academic Alliance with its annual cost of US$799 per faculty/department per year isn't that cheap, even more so considering that their EULA excludes any use except educational course offered by the participating institute and related non-commercial research projects.
If your concern is all the academic area anyway why don't you just use the GPL'ed Qt? Efforts to port it to Windows are there, you could just support them if you think that's what you really need. You could also ask directly at Trolltech if they would be willing to just carbon copy that MSDN Academic Alliance thing including their EULA if that's what is needed to make you happy.
This is exactly what we do: non-commercial research in our institute, but based on a Windows platform.
Trolltech does not provide a GPL'ed Qt for Windows if I see this correctly. And we don't have the time and the money to invest in another platform or port it ourselves.
But I found a Qt/Win V2.3 on the Trolltech pages, so I think we just will work with this version, as it is free for Windows and not just an evaluation version.
But I think anyhow, that this is off-topic on a KDE forum. I just got here looking in Google for GUI development tools. Another GPL GUI Toolkit I found is Fox, and if Qt 2.3 does not satisfy us, we'll give them a chance.
Trolltech has a "Qt Educational License Request Form" at http://www.trolltech.com/forms/eduprogram.html stating "The educational license is to be used on school hardware and premises for educational purposes. If you are a professor/teacher and want to let your students use Qt/Windows in your class or course, just fill in the application form below." I guess this is what you were looking for?
Other than that there's also a more recent non-commercial version of Qt/Win, version 3.2, is included on the book "C++ GUI Programming with Qt 3", see http://www.trolltech.com/download/qt/noncomm.html
If you have link free download qt you can share it for me,ok?
The obvious location is the download section of Trolltech, the maker of Qt:
Make sure you read the page before downloading.
the title says it all
I am aware that gcc 3.0 wont compile KDE but what are the problems ?
have anyone tried 3.01 ?
john jones
IIRC the problems are in the handling of virtual inheritence and are not addressed by 3.01.
Have a look in the mail archives for more info.
I compiled kdesupport, kdelibs and kdebase and it worked, except for artsd (no sound).
Yes, aRts is the part of KDE that won't compile. I think there are subtle bugs in other programs that will cause them to crash, though (KNode?).
is it true that after the move to qt3.0 there will be no more binary breakage from 3-> 4-> x.y?
4.0 will break binary compatibility with 3.x. Many things can be done in a binary-compatible way, but over time the pressure builds and we really have to break binary compatibility. This is a non-issue with major releases since the linker ensures the right libraries are used (like libc5 and libc6 on your Linux machine).
Source compatibility is something else. The 1.x to 2.0 change broken a lot of code (but in easy-to-fix ways). The 2.x to 3.0 change will break very little code. So you can expect that between 3.x and 4.0, source compatibility will be even higher.
But hey, let's worry about 3.0 for now, not 4.0!!
I would like to know: Why does the Microsoft Windows version of Qt state that it requires Microsoft Visual C++ 6? Is this a technological reason or a market driven reason? Perhaps am I missing something here?
Do the trolls have any plans to move toward other compilers for the windows platform? What about gcc and cygwin? I could convince my employer to pay $400 more for Qt instead of VC++/ATL/MFC but not on top of the price of Visual Studio. They say, "If we have to buy VC anyways, just write it in MFC or ATL."
Borland C++ is also supported (http://www.trolltech.com/products/platforms/bcpp.html)
As to Microsoft bundling scams, try to convince your boss that she'll save far more than $2000 worth of your development time in just a few weeks of using Qt.
Trolltech had a cool pamphlet at LinuxWorld that showed the different amount of code required with each platform. It should be on trolltech.com somewhere.
I have 1.6 years experience. I am looking for good job for VC++.
I have submited my resue her.
thanking you.
Hi ,
We have a position for senior vc++ Software Engineer with 2/3 yrs experience.
With VC++/Matlab/COM/ATL with good database knowledge of Sql Server.
kindly mail me your resume with expectation on [email protected].
Note: Position is in banglore.
Abhay Kapale
I am a trainee in indian institute of remote sensing, dehradun.I have completed my B.Tech in computer science and PGDiploma in Remote Sensing and GIS.
I have done a project using VC++ and MATLAB named "Automated image segmentation and feature extraction "I have a good knowledge in VC++(Com/ATL/MFC)and SQL Server.Please inform me whether there is any opportunity there for me?Iam eagerly waiting for your reply.
Yours sincerely,
Sankarsan padhy.
Were all the questions asked by philippe fremy?
Or what?


text:
H50-FF Cereal Dispenser
H50-FF is a wall mounted cerel dispenser, with a 4.5 Liter capacity and a set of 5 containers.
Its patented "Free Flow" mechanism has 3 portion levels (Min/Mid/Max) that enable you to choose the perfect dispensing amount for your dry food.
It comes with easy to hang black metal wall mounting brackets (fixture), 'SAN' containers, black 'ABS' lids, silver 'ABS' funnels and nickel coated metal handles.
All are BPA free and comply with FDA and EU food contact material regulations.
Length |
78.5 cm |
Width |
16 cm |
Height |
55 cm |
Weight |
9.1 kg |
Cylinder amount |
5 |
Capacity per cylinder |
4.5 liter |
Total Capacity |
22.5 liter |
Color | Black lids Silver funnels Silver bracket |
Features |
BPA Free Complies with FDA & EU food contact materials Keeps the food in its full form (no crushes) Patented |
Materials | Container: SAN Bracket: Metal Lid & funnel: ABS Mechanism: Rubber silicone |
Fixture |
Wall mounted |
Portion control |
Min/Mid/Max |
Product line |
Free Flow |
Mechanism |
Free Flow upgraded "Intuitive" 2 x wings (Silicone) |
Uses |
Food Service (HORECA) / Retail stores |
Suitable for |
Cereal, granola, pulses, nuts, grains, beans, seeds, coffee beans, herbs, candy, chocolate chips, pet food, industrial materials |
Looking for a way to keep several different types of cereal organized, hygienic and easy to dispense? This H50-FF wall mounted, Silver, 4.5-Liter, "Free Flow", 5-cylinder dispenser gives you all of that and more!
This best seller is great for breakfast bars, office break rooms, supermarkets, candy stores, hotel shops and many more. It offers a medium size storage solution that allows FIFO flow so the first stock in is the first stock out. This way you are always serving the freshest food.
Its 4.5-liter containers, freestanding fixture and 5-cylinder design reduce clutter, save space, and give you a beautiful, fun, clear display of your cereal while keeping them as hygienic as it gets. No more sticky fingers on your food or sneezes around it! Everything is kept in a sealed transparent dispenser!
Its patented portion control mechanism makes it suitable for a large variety of products such as cereal, oats, nuts, candy, snacks, confectionery and many more. It comes with 3 levels (min/mid/max) so you can set it to dispense small oats and large walnuts all in the same dispenser. And with its ergonomic Free Flow mechanism, your customers can simply hold down the handle to dispense the exact amount that they are after. And – it keeps the food in its full form. No crushes, no mess!
The clear 'SAN' containers display your food beautifully so your customers can easily choose their favorite snack and your staff can see when it is time to refill. This model comes with silver funnels and black lift-off lids, and nickel coated metal twist handles that give it an elegant slick look.
The dispenser is equipped with black wall mounting brackets that are as easy to install as hanging a picture on a wall, and the dispensers simply slide into their allocated place on the brackets making it super easy to clean and refill.
H50-FF is BPA free and complies with FDA and EU food contact regulations.
This model is also available in a black lid & funnels, or in a set of 1 or 5. We will be happy to customize any other color or capacity that you would like.
Technical info:
- "Free Flow" Mechanism
- 5 x SAN Container
- Black Bracket
- Capacity: 45 Lt. container
- Size: 78.5Lx16Wx55H cm
- Weight: 9.1kg
- For in-stock orders: 1-7 business days.
- For customized orders: Check with your IDM representative.
- For order volumes of full pallets and containers 20'/40': check with your IDM representative.
Shipping Lead Times
- For orders inside the EU: 3-10 business days.
- For international orders: 7-14 business days.
- For order volumes of full pallets and containers 20'/40': Up to 45 business days.
- Sea freight and express shipping are also available.
For more information about lead times - Contact us here
Shipping Prices
We ship globally! Please find your relevant location & pricing below:
1. All orders over €600 net of VAT are FREE from delivery charges.
2. For orders of €300 to €600 net of VAT a €45 fixed shipping charge will be applied.
3. For orders up to €300 net of VAT a €25 fixed shipping charge will be applied.
1. All orders over €1000 are FREE from delivery charges.
2. For orders of €400 to €1000 an €85 fixed shipping charge will be applied.
3. For orders up to €400 a €45 fixed shipping charge will be applied.
Middle East
1. For all orders over €1000 a fixed €200 delivery charge will be applied
2. For orders of €500 to €1000 a €150 fixed shipping charge will be applied.
3. For orders up to €500 a €75 fixed shipping charge will be applied.
Asia & Africa:
1. All orders over €1000 are FREE from delivery charges.
2. For orders of €400 to €1000 a €90 fixed shipping charge will be applied.
3. For orders up to €400 a €55 fixed shipping charge will be applied.
Australia & New Zealand:
1. All orders over €1000 are FREE from delivery charges.
2. For orders of €450 to €1000 a €100 fixed shipping charge will be applied.
3. For orders up to €450 a €60 fixed shipping charge will be applied.
South & Central America:
1. All orders over €900 are FREE from delivery charges.
2. For orders of €400 to €900 a €75 fixed shipping charge will be applied.
3. For orders up to €400 a €40 fixed shipping charge will be applied.
Mexico, USA & Canada:
IDM operates with several local distributors in North America. We would love to put you in contact with the relevant local distributor so please fill out this form and we'll be in touch.
* Additional shipping costs may be applied by the courier company based on the destination country and the courier company.
VAT & Customs clearance
- Once the dispensers enter your country, you might be requested to pay VAT according to the tax laws in your country. Please note that VAT is refundable for you if you are a VAT-registered company.
- If you are ordering under a company name, please send us your VAT & EORI numbers, in order to assist in the customs clearance process, (For EU residents only)
- If you are ordering for a private person / residential address, please send us your Tax ID to assist in the customs clearance process (EU residents only)
- IDM dispensers are duty-free under EUR1 agreements and should not carry customs charges under HS codes 3924109000 / 3924100019 however there might be some customs clearance charges applied. For more information please check with your local customs broker.
Canceling/Modifying an Order
Once your order is placed, we cannot guarantee that it can be modified or canceled. If you wish to modify your order, please contact us as soon as possible through email or over the phone or Contact us here
Online orders are limited to a total of 14 units for wholesale orders, or to a total order value of 7500 Euros.
Additionally, we reserve the right to cancel any order.
Goods may be returned for a refund, exchange, or replacement within 30 days of receipt provided they are returned unused, in a saleable condition, and in their original packaging, and according to the following terms:Products that are no longer required or incorrectly ordered
- A restocking charge of 25% will be applied to all returns. Shipping charges paid at the time of checkout will not be credited along with the return.
- All returns must be received in unused and resalable condition in original packaging. Goods received that are used, damaged, or with missing packaging cannot be refunded and will either be returned to the buyer at their own cost or destroyed with the buyer's consent.
- Any items that have been custom-made, discounted, or non-standard items are strictly non-returnable.
- The shipping cost of returning any goods that are no longer required or that have been incorrectly ordered will be paid for by the buyer, including any customs fees that might be applied during the return process.
Products that are not collected or cleared by customs
- IDM will be happy to assist you with the customs clearance process of your dispensers. If you do not clear the dispensers through customs and they are returned to IDM, a restocking charge of 25% will be applied to the return.
- Shipping charges paid at the time of checkout will not be credited along with the return.
- Any additional charges that might be applied due to the customs clearance process or the return of the item to IDM, will also be deducted from the final credit.
Products that are returned under warranty
- Any returns under warranty may be repaired rather than replaced or refunded, under IDM's sole discretion.
To start a return, you can contact us at +44 (0) 7478 644 270 or email@example.com. If your return is accepted, we'll send you instructions on how and where to send your package. Items sent back to us without first requesting a return will not be accepted.
Once a return confirmation has been issued, all returns must be received within 14 calendar days; No credits can be issued beyond this period.
- Upon receiving your order, please inspect it for any damaged, lost, or missing items. If any part of your order is missing or damaged, please keep the items and packaging and contact us within 3 business days of receipt so we can find a solution for you. We may request pictures of the damage to help with this process. Damage claims outside of this period may not be processed.
- In most instances, a refund or an offer of replacement will be made.
- In the case of international deliveries outside of Europe; IDM Dispensers Ltd. reserves the right to refund damaged items rather than replace them.
IDM Dispenser Ltd. Warrants products to be free from defects in material and workmanship for a period of 12 months from the original purchase date (proof of purchase is required). During this period, IDM Dispensers Ltd., will, at its opinion, repair or replace a defective product at no charge, except as stated below.
This limited warranty does not cover any losses or damages that occur as a result of:
- Shipping or improper maintenance
- Improper cleaning
- Misuse
- Neglect
- Any cause other than ordinary use
- Adjustment
- Repair or modification
- Normal wear and tear


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Sony US18650 VTC4 - 2100mAh
For high drain applications the Sony VTC4 is the top-selling and most trusted battery of it's kind. We source our batteries carefully and make sure our batteries are genuine Sony VTC4 batteries.
Model: VTC4
Size: 18560
Discharge: 30A
Nominal Capacity: 2100mAh
Nominal Voltage: 3.70V
Weight: 1.59oz/45g
* If the battery leaks and acid gets in your eyes, do not rub them. Rinse them with clean running water and seek immediate medical attention. If left untreated, battery acid can cause an eye injury.
* Do not use or store the battery in extreme heat, such as under a car window in direct sunlight. The battery could become overheated. This can also reduce the battery performance and shorten the service life.
* Do not use the battery if it gives off an odor, generates heat, becomes discolored or disfigured, or appears abnormal in any way.
* Do not use the battery in combination with primary batteries (such as dry-cell batteries) or batteries of different capacity, type or brand.
* Do not strike, throw or subject the battery to severe physical shock.
* Do not pierce the battery housing with nail or other sharp objects, break it open with a hammer, or step on it.
* Do not immerse the battery in water or allow it to get wet.
* As a safety precaution, do not remove batteries while being charged.
* Store batteries separately and don't let them mix with metal objects.
* Remove batteries from your e-cigarette if you plan to store it for long time.
* Store the battery at room temperature. The battery is a lithium-ion battery and will need to be replaced periodically.Read charging instructions before using.
* Do not short-circuit the battery by connecting wires or other metal objects to the positive (+) and negative (-) terminals, or reverse the positive (+) and negative (-) terminals.
* Over-discharging: It should be noted that a battery may become over discharged if not used for long time. Over-discharging may causes loss of battery performance and functions. In order to prevent over-discharging, the battery should be charged periodically and maintained between 3.6v and 3.8v.
Added review successfully


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Use this resource with the Explore the story lesson from our Madagascar topic.
Our 'Storytelling prompts' for A grub's tale are the perfect accompaniment to your storytelling lessons. These prompts come with keywords.
Working in pairs or groups use the 'Storytelling prompts' to help keep children on track with their storytelling. You can use them on the whiteboard or tablet computer.
If you print out the images they can be used for sequencing activities.
Do you want read more and download resources?
Buy a Springboard Stories subscription for just £3.95 a month*.
Or you can subscribe to individual topics.
Or Log in if you already subscribe.
*There are discounts for Students and NQTs and all subscriptions are paid annually.


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NEW YORK (AP) — The NBA plans to donate proceeds from sales of Jason Collins jerseys to the Matthew Shepard Foundation and the Gay, Lesbian & Straight Education Network.
Collins became the league's first openly gay player when he signed with the Brooklyn Nets last Sunday, and his No. 98 jersey has been the top seller on NBAStore.com. He chose the number in tribute to Shepard, who was killed in a gay hate crime in 1998. Collins met Shepard's parents on Thursday when the Nets played in Denver.
The league says Friday the donations will total no less than $100,000, and it will also auction off Collins' autographed, game-worn jerseys to benefit the same organizations.
Collins says he is thrilled to help the organizations that "work tirelessly to ensure LGBT youth get the resources and assistance they need to be successful in life."


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12-08-2010: OFFICIAL WORD FROM WIZKIDS: DC 75th Redemption – We will turn on redemption for the set in mid January. I want to make sure those who are getting HeroClix DC 75th as a gift will have an equal shot at the brick figure.(12-08-2010: See the maps now)10-12-2010: This comes directly from Wizkids today:"The set will feature 10 White Lantern Figures with 1 inserted in each brick."There you have it. 10 chase figures. I didn't think they'd actually do that, but what can you do?08-09-2010: Facebook man Kyle T. recently uploaded this picture to the official Wizkids Page. He took it at this past weekend GenCon convention.
07-21-2010: The boys at Game Trade Magazine have scored themselves a first look at the new DC 75th Anniversary set, and it's very exciting! Game Trade Magazine is available at your local game and comic shop, so pick one up now!Well, it looks like Wizkids is kicking things off right with SEVEN preview figures. Clearly this set is going to span all 75 years of DC, which is hella exciting. Personally I'm thrilled to have another archer!Are you excited yet?12-10-2010: A couple prize-pack figures (LEs) were released today:


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I'm so sad that I waited so long to try this because it's delicious. It was only a sample from an order so just enough for one cup. It's not overly strong like I expected it would be. Just a little astringent toward the end.
Flavors: Astringent
I'm so sad that I waited so long to try this because it's delicious. It was only a sample from an order so just enough for one cup. It's not overly strong like I expected it would be. Just a little astringent toward the end.
Flavors: Astringent
Lifetime student. Lover of books and paper and ink. Kitchen dweller. Aspiring herbalist, excessively proud cat lady, and tea fanatic. Thirty-something elder millennial. She/her.
I love flavored black teas most of all, always with cream and honey. I enjoy floral and fruity teas, as well as flavored or scented ones. I'm not overly fond of green or white teas, but I've found a few that I enjoy.
I'm open to tea swaps and/or just sharing what's in my tea cabinet! Please reach out if you see something I have that you'd like to try. I do my best to update my cupboard regularly.
Any and all black teas, smoky teas, raspberry, strawberry, red fruits, bergamot, chai spices, floral teas, caramel/toffee, jasmine, rose, vanilla, peaches, plums, valerian root, cinnamon, cardamom
Not a huge fan
White teas, green teas, artificial sweeteners, sarsaparilla, licorice, lemongrass, lavender, hot hibiscus, hibiscus in black tea blends
Rating Scale
1-20: By far, one of the worst teas I've tasted. I most certainly will not finish my cup and will likely "gift" the rest to my sweet husband, James, who almost always enjoys the teas I dislike (and vice versa).
21-49: This tea is not good, but if I mix it with another tea or find another steeping method I might be able to finish it.
50-69: This one is just okay. I might drink it again if someone were to give it to me, but I probably won't be buying more for myself.
70-79: This is a consistently good tea. It's reliable but not necessarily special.
80-90: This one is a notch above the rest and I would gladly enjoy a cup of it any day of the week. I'll likely be keeping this in my cupboard, but it isn't one of my all-time favorites.
91-95: One small change and this tea would be perfect. I'll definitely have a stash of this in my kitchen if you come over for tea.
96-100: No words can describe this tea. It's an experience, an aha moment. Closed eyes, wide smile, encompassing warmth. Absolutely incredible. Perfect.
Updated May 2022.
Alabaster, Alabama


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Kedarnath, a city in the Rudraprayag district of Uttarakhand, is called when one of the ancient rulers, King Kedar. . Famous due to ancient Kedarnath temple, it's one of the noted Char Dham sites and conjointly one of the twelve Jyotirlingas of Lord Shiva in India. The temple is known to have been built by Adi Shankaracharya in the eighth century. In a recent tragic event in 2013, the town of Kedarnath was severely affected due to the sudden flash floods in the region. The temple together with the city is known to have suffered the worst damage ever.
Kedarnath Tourism
Kedarnath is considered as one of the most sought-after holy destinations. The Kedarnath Temple is devoted to Lord Shiva, and has a large number of pilgrims visiting the shrine every year.
There are also the majestic peaks of Kedarnath at 6,940 m and the Kedar Dome at 6,831 m, amongst other peaks of the Himalayan range.
Kedarnath has something to offer to all types of tourists from nature lovers, to adventure seekers, to pilgrims.
Some of the must-see places in the town of Kedarnath include: Kedarnath Temple, Udar Kund, Hans Kund, Bharo Nath, Navdurga Mandir, Shankaracharya Samadhi, Ishaneswar Mahadev Temple and Ret Kund.
Best Time to Visit
Kedarnath experiences very harsh winters, that last for 6 months from the month of Nov to Apr. Due to heavy snowfall, the temple is closed for 6 months, as living in Kedarnath becomes impossible, so the locals conjointly shift their base to near villages. The region experiences monsoons from July to August, and landslides are known to affect tourism, making it unfavorable as a vacation spot. Hence, the best time to go to Kedarnath is during summers, particularly between could May till October.
Being a famous traveller spot, the city is flooded with shops, particularly around the Temple. You'll be able to buy images and portraits of the Kedarnath Temple, or Lord Shiva and Parvati. Other than religious things, you will find a lot more in those small shops, such as: Rudraksh accessories, Crystals, Saligrams, Herbs, Precious stone.
Eating out
Eating choices are often very limited in Kedarnath. Though there can't be found any big restaurants, but the small eateries or dhabas serve decent vegetarian food. The restaurants in Kedarnath serve only vegetarian food, and alcoholic beverages are prohibited in the region.
Enjoy the fantastic Kedarnath – The place of holy destination!


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My News and Reviews
The end of August has come and gone, but there's still time to enter Experiments in Manga's most recent giveaway. This time around you all have the opportunity to enter for a chance to win the first three volumes of Sui Ishida's Tokyo Ghoul. (The winner will be announced on Wednesday.) Other than that, it was a fairly quiet week at Experiments in Manga. I was actually on vacation last week, too. I wasn't online much, but I did catch that Viz Media will be releasing Hidenori Kusaka and Satoshi Yamamoto's Pokémon Omega Ruby & Alpha Sapphire manga as well as a Pokémon Pocket Comics box set.
Quick Takes
Kiss Him, Not Me!, Volumes 5-6 by Junko. The overall narrative of the last few volumes of Kiss Him, Not Me! has fallen into a noticeable pattern; the series focuses on Serinuma's potential romantic interests one after another in turn, each of them becoming the subject of their very own mini story arc which briefly delves into their relationship with Serinuma and how they have changed (generally for the better) because of it. Much to my surprise, yet another character has been introduced who has developed feelings for Serinuma, though just how serious he is is somewhat ambiguous. Granted, it's mostly because of him that everyone ends up confessing their own feelings to Serinuma. As for Serinuma herself, she still seems to be completely uninterested in romance, though she is enjoying having a larger group of friends. Kiss Him, Not Me! continues to be an over-the-top romantic comedy that doesn't take itself at all seriously. Even when the basic story elements start to feel a little repetitive (such as when Serinuma goes on a date with each of her admirers) the series is unpredictable and varied enough that it remains both entertaining and engaging. The characters aren't especially deep, and there's plenty about the series that's unbelievable, but Kiss Him, Not Me! is silly fun.
Tramps Like Us, Volumes 10-14 by Yayoi Ogawa. I am so glad that I made a point to collect Tramps Like Us when I did; the series is now very much out of print and unlikely to be rescued. (Although, considering the recent expansion in Kodansha's digital offerings, there might yet be some hope there.) I'm really not sure why it took me so long to actually get around to reading Tramps Like Us, because I ended up loving the manga and its characters. The basic premise is somewhat strange and the series frequently takes off on flights of fantasy, but somehow the emotions and relationship dynamics still manage to be incredibly real and relatable. The final volume of the series did feel a little rushed to me, and everything might have been tied up a little too nicely, but I still found the slightly bittersweet but predominantly happy ending to be very satisfying. Some of the developments weren't really that surprising; it was only a matter of time before Sumire and Momo/Takeshi had to face what their relationship had become and actually do something about it. Although she has to give some things up, Sumire is able to find a balance between her career, home life, and love life that makes her happy. And I have to admit, although it might ultimately be a little idealistic, the ending made me happy, too.
Your Lie in April, Volume 8-9 by Naoshi Arakawa. As a musician, I'm naturally drawn to manga in which music is featured in some way. And so, because music plays a very prominent role in Your Lie in April, the series immediately caught my attention. Arakawa captures the deep emotional connection a person can have with music remarkably well in Your Lie in April. My own relationship with music is a complicated one, so I'm glad to see that sort of complexity reflected in the manga as well. Generally, however, the series does tend more towards the angst associated with performance rather than the joy of music. Many of the characters are pouring their whole selves into their art; being a musician can be both a thrilling and terrifying experience. Effectively expressing oneself through music is a tremendous accomplishment, but frequently this is accompanied by fear and worry that one will never be good enough. Still, there are wonderful moments in Your Lie in April in which the characters are able to break through their insecurities. While music is an important part of Your Lie in April, probably even more important are the relationships between the characters, even if Kosei still seems oblivious to the fact that he means so much to so many different people.


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Building and Leading Real Estate Enterprises and Entrepreneurship
This course focuses on how you conceive, build and lead successful real estate companies. By virtue of the industry in which they compete, real estate companies are almost always founded and developed by entrepreneurs. A few grow to become category killers; others are able to compete in a crowded and competitive landscape. Many, however, are eventually closed down; sometimes due to changing market forces, sometimes due to lack of good corporate strategy or execution, and sometimes due to the founder neglecting to institutionalize a lasting organization to succeed him or her.
Taught through a combination of lectures, cases and analytical problems, this course examines (primarily through the lens of real estate investment and development companies), the critical ingredients required to grow and lead long-term competitive enterprises. The course will begin with an examination of how to optimize the performance of real properties and then migrate to the design and development of successful companies that own or service properties.
At the end of this course, students should gain a deeper appreciation of how owners think and act when they oversee their companies. They will specifically be introduced to how to develop a robust strategy, capital plan, corporate culture and execution capability that are part of every great real estate company. Students taking this course should also be able to construct the elements of a simple business plan for a startup. Students are also encouraged to think about how they may launch their own real estate enterprise during the course, and to make active use of other Harvard resources, including Harvard clubs and facilities like the I-lab, as they think through their entrepreneurial opportunities.
Paired Course: Although not mandatory, this course is meant to be taken in conjunction with GSD 5275, which meets the first half of the semester; it is also 2 credits and meets at the same time as 5276. GSD 5276 will build on many of the questions and concepts that 5275 postulates.


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02 Mag2011
Avenue Theme
This is the Avenue theme of our fast and slick Warp theme framework! It is optimized and streamlined to serve as a blueprint to build your own custom themes.
The Avenue theme takes full advantage of all the latest Warp7 features like a completely responsive layout, semantic HTML5 markup, a nice and clean administration UI and much more.
Read more


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I'm Not There — film review "Life is a crazy, dark circus." FANTASTIC, inspired filmmaking. (I gotta look for more Todd Haynes.) Maybe I was super-well prepared for it by this late date, but as it was, I could easily follow it, and it painted a brilliant million-dollar-picture. Obviously the unsuspecting could be caught […]
I'm Not There — "Tarantula" meets "Chronicles" in "Masked & Anonymous" prequel
March 3rd, 2009 · 10 Comments · Movies, Music
Tags: best Dylan movies·Bob Dylan movies·Cate Blanchett as Bob Dylan·David Cross as Allen Ginsberg·Dylan on film·Hassett film reviews·Heath Ledger Dylan movie·I'm Not There movie review·Todd Haynes Dylan movie


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Three generations of the Vallee family welcome you to The Village Inn Restaurant & Captain Don's Loft.
Get Directions Captain's ClubThe Captain's Club*
Join the Captain's Club today to be part of the Vallee family's pride and joy! Benefits include:
- Enter to win a $50 Gift Card!
- The Village Inn Newsletter
- Weekly Dinner Specials
- Special Events
- Notification of Gallery Updates
Our Facilities
The Portside Lounge
The inviting Portside Lounge offers our traditional menu and spectacular spirits. Our professional Bartenders will serve you with a warm smile and a cold beverage........
The Captain's Room
This rustic venue is perfect for large functions and work retreats. Nearly any seating pattern can be obtained in this spacious dining room amid rows of lanterns and accented with knotty pine......
The Skylight Room
This spacious room radiates light and warmth at any time of day or night. Its rich tones and facade of windows make any function or party a joyous occasion as you're engulfed among scenic ocean landscapes etched in glass.
The Crow's Nest
Climb on into the Crow's Nest to dine in privacy behind The Village Inn's stained glass porthole. Enjoy your party at a large dining room table centered below sturdy beams in this ultimate hideaway spot.


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Wildwood Trace, Rocky Mount's premiere apartment community combines the best of two worlds...the ultimate address.
These unique apartment homes are quietly nestled along the breathtaking fairways of the North Green Golf Course, yet they are only minutes away from a wide variety of dining, shopping, and entertainment. You will enjoy the close proximity of The Golden East Mall, Gateway Convention Center, Nash General Hospital and the I95/US64 corridors while being only a hop, skip, and jump from the beautiful Atlantic Ocean, Raleigh and the prominent Research Triangle Park.
This quaint community of one, two, and three bedroom apartments is popular for the panoramic scenery and infinite amenities. Outside your Wildwood Trace home awaits an array of thoughtfully planned amenities for your enjoyment. Lounge by the sparkling swimming pool, meet friends for a game of tennis, or enjoy a leisurely workout in our state-of-art fitness center. Wildwood Trace also boasts generous features in every apartment including wood-burning fireplaces, outside storage areas, and private patios or balconies with spectacular golf course, lake or wooded views.
End your day in the prosperous city of Rocky Mount at Wildwood Trace, a community that has immeasurable benefits and endless options. Come see the ways Wildwood Trace is perfect for you.
1 bed, 1 bath
2 bed, 2 bath
3 bed, 2 bath
Rates listed reflect a 12 month lease, moving in on the first date available (unless otherwise selected). Pricing varies based on availability, length of lease, and move-in date. Short and long term leases are available. Please contact a representative for details.
Wildwood Trace Site Map
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