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While CFPB Takes Action To Aid Consumers, U.S. House Acts Against CFPB
Yesterday, the CFPB filed an important lawsuit accusing ITT, a for-profit school, of a variety of alleged violations, including pressuring students into high-cost predatory loans with little promise of a future job. The CFPB was joined by several leading state attorneys general, including Jack Conway of Kentucky and Lisa Madigan of Illinois, who have also filed similar lawsuits (WSJ story). It's the first CFPB lawsuit against a for-profit student lender, but not in any way its first action to protect consumers.
This morning, I join CFPB leaders, consumer attorney Len Bennett and industry representatives for a panel presentation to its Consumer Advisory Board on how the CFPB can take actions to fix the broken credit reporting system. The panel and related events should begin live on CFPB's livestream (find it on the homepage) at about 10AM Eastern Time. (UPDATE: The event is over. An archived video will be posted in the next few days.)
We discuss needed changes to the credit reporting marketplace in U.S. PIRG Education Fund's November report on the CFPB's Public Consumer Complaint Database: Big Credit Bureaus, Big Mistakes: The CFPB's Consumer Complaint Database Gets Real Results for Victims of Credit Reporting Errors.
The next report in that series, on debt collection complaints, was released today. All the reports in the series are archived here.
Yet, this afternoon, the U.S. House will probably vote to hobble the CFPB in several ways. Go figure. The CFPB has been making a difference for consumers (check out what they did in December alone!), yet some on Capitol Hill, and some powerful special interests, don't like the idea of an agency with just one job, protecting consumers.
U.S. PIRG and the state PIRGs, as founding and active members of Americans for Financial Reform, joined AFR in a 115-group letter urging the House to reject HR 3193, today's proposal to weaken the CFPB in several ways. The House will likely pass the bill anyway, but I bet the Senate won't even take it up. Even if it were to do so, the President has issued a veto threat.
Nevertheless, it is important to continue to point out that the CFPB is making giant efforts to dig the country out of the mess caused not by too much regulation, as its opponents assert, but by a lack of Wall Street regulation and oversight. Do any House opponents remember 2008?
The CFPB, a centerpiece of the 2010 Wall Street Reform and Consumer Protection Act, is making financial markets work and getting real results for consumers. As we pointed out in our joint letter to House members yesterday:
Since July 2011, the CFPB has been doing its job of protecting consumers and establishing rules and guidelines so that markets will work in an open, transparent and fair way. It is putting money back in the pockets of defrauded consumers, including, for example, refunds of over $700 million to consumers from credit card companies that had treated them unfairly, along with refunds of hundreds of millions more from abusive practices ranging from unfair mortgage servicing to auto loan pricing discrimination to deceptive practices aimed at service members.
The CFPB has been on the job helping service members and veterans, seniors, students and other consumers at high risk of financial fraud. Important new rules it has put in place include new standards so that abusive mortgages like those that helped cause the financial crisis cannot return and new protections to prevent people from being gouged when they send money to family abroad. Further, the CFPB is the only federal financial regulator that has met all of its regulatory deadlines, and it has received praise even from industry leaders for its transparency and openness. [...]
Thank you for your consideration of our views. If accepted, the proposed legislation would weaken the Consumer Bureau, prevent it from doing its job and instead serve the interests of Wall Street. We urge you to oppose this and any similar bills designed to handcuff the CFPB at the expense of consumers. The CFPB is the first federal agency with only one job — protecting consumers in the financial marketplace. The agency is doing that job well, and there is much work that remains to be done. The bills incorporated into HR 3193 would take away the tools it needs to do its job and undermine its mission. Passage of HR 3193 would harm consumers and empower the worst elements of the financial industry.
Read the letter for the full details on why U.S. PIRG and state PIRGs, the AFL-CIO, The Leadership Conference on Civil and Human Rights, Consumers Union and over a hundred other AFR members oppose the package of rollbacks included in HR 3193. They range from taking away the CFPB's independent funding (it would become the only federal financial agency subject to the politically-charged appropriations process) to giving other regulators even more authority than they already have to overturn CFPB decisions, including at the request of a single corporate wrongdoer.
Weakening the CFPB is a path toward more reckless financial practices that would hit Americans in their pocketbooks and throw dirt into the gears of our recovering economy. It's the wrong way to go.
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Texting while driving bans are commonplace, but one state court takes it a step further by holding the sender of the text partially responsible for a resulting collision.
While a few holdout states have stopped short of outright bans on texting while driving, the tide definitely has turned in that direction. The dangers of the practice, after all, are well-documented.
But according to a report in The Atlantic Cities, a New Jersey court has ruled that the responsibility for accidents stemming from texting behind the wheel can extend beyond the four wheels of the automobile. The sender of the text also can be implicated in the Garden State if a collision is blamed on texting.
"We hold that the sender of a text message can potentially be liable if an accident is caused by texting, but only if the sender knew or had special reason to know that the recipient would view the text while driving and thus be distracted," the court decision reads.
The decision was handed down following a case in which the sender of a text was sued for being "electronically present" during an accident blamed on texting.
Although the defendant was not held liable in that case, two of three appellate judges ruled that a sender of a text can indeed be considered partially at fault if they know the recipient is driving and they expect the driver to access the message while driving. The court called that behavior "unreasonably risky," meaning the sender of the text could have to pay civil damages in the event of an accident.

subset: commoncrawl


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Chemical Resistance Information
Our Chemical Resistance Database provides you information on chemicals and fluids known to attack or be compatible with the Quadrant materials listed.
Our database is organized by two product groups. You can access the information on the Quadrant Engineering Plastics below.
For both databases, please consider the information given as a guideline. For more specific information please contact us.
Quadrant Engineering Plastics - Chemical Resistance Database


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MEDWAY - Nearly a year after Lisa Kingsley began her efforts to have a prisoner of war/missing in action chair�placed in Medway, the chair has finally arrived.
Kingsley�began raising money to purchase the chair last July, an endeavor she said came from hearing her father�s Korean War stories.
And with two sons in the Army National Guard, Kingsley said she understands the sacrifices made by members of the country�s military, especially 95-year-old Joseph Manella.
An unveiling ceremony Saturday -�at 2 p.m. at an existing Civil War monument across from the police station on Village Street -�will honor World War II veteran and Milford resident Manella, who spent two years as a POW after his plane was shot down by Japanese forces over Singapore in 1943.
According to Kingsley, she chose a Milford resident because�of the two POWs from Medway, one is deceased and the other lives out of state.��
Manella, reached by phone Monday, said he looks forward to telling his story.
"He has a very compelling story," Kingsley said, adding that Manella will talk about his experiences as a POW at the ceremony.
As World War II veterans and prisoners of war pass away, Kinsgley said their stories need to be told.
"Look around in everyday life," she said. "You have all of this freedom because of people like them."
Kingsley said her father was honored by the Rolling Thunder, a motorcycle-riding veterans� advocacy group, at the unveiling of a POW/MIA chair in Natick last summer.
During that ceremony, MA1 Rolling Thunder President Joe D�Entremont spoke about putting a chair in every town in the state, which got Kingsley�s attention.
"When I heard him speak, I thought, �How hard can it be?�" she said.
Kingsley said raising the $2,000 for the chair was challenging, but through donations, she was able to have the chair installed last month.
With very few POWs left to tell�their stories,�Kingsley said the chair will hopefully remind people as they drive by.
"These stories need to be heard, not forgotten," she said. "I really believe that and I hope most people believe that."
Zachary Comeau can be reached at 508-634-7556 and email@example.com. Follow him on Twitter @ZComeau_MDN.
Medway: POW/MIA chair to honor Milford vet
MEDWAY - Nearly a year after Lisa Kingsley began her efforts to have a prisoner of war/missing in action chair�placed in Medway, the chair has finally arrived.


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Providing quality service is the hotel SystemsPro promise. We will make future changes to further enhance our ability to serve our users more comprehensively.
Atlanta, GA (PRWEB) July 23, 2014
hotel SystemsPro announced it appointed Daphne Dickson Vice President of Customer Satisfaction. Dickson is a 10-year hospitality veteran with extensive operations and support experience. In her VP role, she will oversee support for the company's hotel SalesPro, hotel Sales & CateringPro, hotel ServicePro, hotel WebSpace and hotel ProposalPro products. Dickson is based in hotel SystemsPro's Atlanta headquarters. hotel SystemsPro is a leading provider of ASP-based enterprise hotel sales software, sales and catering systems, maintenance automation, and guest service solutions. Click here for more information on hotel SystemsPro products.
Dickson's goal: every team member will support all hotel SystemsPro products. "It was an easy decision to promote Daphne to lead hotel SystemsPro's customer service division. She has a solid sales and catering operations background. Daphne developed impressive management and client service abilities in her nine years with us," said hotel SystemsPro Principal Lana Perkins. Her goal is to strengthen and diversify the company's technical support staff so each team member can support all hotel SystemsPro solutions.
Dickson started her hotel career as catering manager for a large full-service property in Atlanta. "Hotel operations is a 24/7 job for property staff. Our support team works very hard to make life easier for each of our clients. Providing quality service is the hotel SystemsPro promise. We will make future changes to further enhance our ability to serve our users more comprehensively."
Ideal for Management Companies with Expanding Portfolios
Dickson said. "Our solutions are ideal for management companies with expanding portfolios. Our professional team members are hotel people with specific talents to support our clients. As VP of Customer Satisfaction, my focus is to expand my team's skills so everyone can support all of our products."
About hotel SystemsPro
hotel SystemsPro is an award-winning technology innovator founded in 1996. Over 90% of its employees have hotel operational backgrounds. The company's solutions and services help hotel operators and multi-property hotel groups efficiently manage assets, increase sales, and reduce operating costs. hotel SystemsPro's tailored solutions scale across all property types and any flag. Its staff provides professional, personalized online training at no additional cost. A single, global sign-on to hotel SystemsPro's product suite lets managers seamlessly toggle between mulitple property systems and reports to validate staff activity 100% of the time - 24/7, anywhere, anytime - in less than 60 seconds. hotel SystemsPro can disable a user's ability to access data in less than 1 minute. We make our clients' staff and assets more productive.
Products include:
hotel SalesPro, a web-based multi-property enterprise sales and catering system. Its scalable functionality increases sales efficiency for hotel chains and independent properties.
hotel Sales&CateringPro, a comprehensive catering software system which enables operators to maximize productivity and cut administrative inefficiencies by 75%. The system greatly improves internal and external communications of an entire catering organization.
hotel ServicePro, an economical hotel maintenance solution that preserves property asset value and improves guest service. It automates the communication, scheduling, tracking and reporting of tasks that surround guest requests, best practices, safety requirements, and preventive and equipment management.
hotel WebSpace, an online marketing solution that enables properties to tailor their web presence and attract more business. It converts browsers to buyers on search engines like Google, Yahoo, and Bing.
hotel ProposalPro, a web-based RFP lead management tool that quickly generates professional proposals as well as shares, manages and tracks leads across a portfolio of properties.
For more information, please visit http://www.hotelsystemspro.com.


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This cake probably looks pretty silly.
With the weird banner. And funky stand.
But it just happens to be perfect for a very special daddy in our lives.
See, a few months ago I saw this bowl at a Picket Fence Gals sale in Lindstrom, MN.
It intrigued me! I wanted to make one, but figured I never would.
But then I got to thinking. Maybe I could make a cake stand!
So I did!! This cost around $20 to make and took about thirty minutes. But for my very handy hubby, its the perfect little added detail.
Speaking of perfect little 'daddy' details…
My dear husband can fix anything with a Zip Tie. I found some mini ties (called cable ties) and tied up the forks.
I bought some plates at the thrift store for .50 and then covered them in duct tape. What guy doesnt love things covered in duct tape?
Finding these really cool long nails (8inches) gave me an idea… why not a manly cake banner? So with the addition of duct tape and some blue electrical tape we were in business.
Slice into that bad boy, get your handy dandy pointed mudding trowel and serve up dad some delicious cake.
Or… is it cake?
Well, kinda! Its another Surprise Inside Cake! This is a Rice Krispy Cake with a blue #1 inside. (That looks more like a Z, oh well!) I thought it would be nice to make a cake that the kids could help with… to really get their hands and hearts into.
So while this cake is not the most handsome of cakes, and the banner is wonky, and the washer cake stand might be a tad crooked and the duct tape plates dont wash up that well…
Every perfectly planned little detail really tells dad just how loved he is.
Have a Happy Fathers Day!


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Marriage licenses granted at the Roane County Courthouse in March:
Benjamin Mark Cooley to Carrie Annette Nelson
Mark Allen Walls to Amanda Leigh Marine Huling
Eric Nathaniel Ross to Brandi Michelle Barnes
Michael William Westover to Jennifer Marie Murphy
Travis McKinley Clayborne to Tasha Jean Forrester
William Adam Godsey to Marybeth Ashley Lovelace
Gary Wayne Jackson to Heather Mae Jackson Harris
Divorces granted Dec. 1-Feb. 4 at the Roane County Courthouse:
Amy Jo Evans Long vs. James Michael Long
Amanda Jones-Foster vs. Matthew Richard Foster
William Michael Watson vs. Faith Charlene Watson
Michael Hobert Long vs. Helen Louise Long
Charles Edward Berkshire vs. Monica Lynn Berkshire
Vernon Paul Law II vs. Holly Michelle Metcalf Wilkens
Rebekah J. Taylor vs. Joshua T. Taylor
Babies born at Methodist Medical Center, Oak Ridge, to Roane County parents:
March 1 — Brittany Long and Matthew Davis, Oliver Springs. A girl, Payton Alexis Denise, 7 pounds, 6 ounces. Grandparents: Melissa Long; James Crowley; Darlene David; Dolphus Bradshaw.
March 10 — Casey Daniels and Matthew Blalock, Oliver Springs. A girl, Angel Nevaeh Grace, 7 pounds, 11 ounces. Grandparents: Lola and Lonnie Blalock; Debbie and Richard Daniels.
Charlene and Brad Denton of Lenoir City announce the forthcoming marriage of their daughter, Andrea Danielle Denton, to Justin Andrew Carter.
He is the son of Donald D. Carter and Sherry B. Carter of Rockwood.
The ceremony will be at 4 p.m. May 21 in Morrison Hill Christian Church, Kingston. A reception will follow in the Masonic Hall on Spring Street, Kingston.
Invitations will be sent, but all relatives and friends of the couple are invited to attend.
The bride-elect is the granddaughter of the late Ada Jenkins.
Mr. and Mrs. Charles Nelson will celebrate their 50th wedding anniversary on April 22.
Nelson and the former Brenda Adkisson were married on April 22, 1961, in Oliver Springs.
He is retired from K-25 Site in Oak Ridge, and she is retired from Y-12 Plant in Oak Ridge.
The couple has a daughter, Lesa McFarland, and a son-in-law, Randy McFarland of Oak Ridge.
There are two grandchildren, Sam and Evan McFarland.
William Thomas "Bill Tom" Ferguson turns 90 years old today, April 13.
His birthday will be celebrated with a gathering at 2 p.m. April 16 at his home at 211 Ferguson Lane, Kingston.
No invitations are being sent, but all relatives and friends — especially any World War II veterans — are invited to attend. The family requests birthday cards only.
Ferguson grew up on a farm, and his family said he still thinks he needs to work from daylight to dark.
He enjoys music and loves to dance.
Brenda Melhorn of Rockwood celebrated her 60th birthday on March 27 in St. Paul Lutheran Church, Wartburg, with more than 100 family members and friends.
She is the daughter of the late Walter and Elsie Melhorn.
Melhorn has Downs syndrome and lives a good life, thanks to her family and friends, and the love and kindness of friends at St. Paul Lutheran Church, Glen Alice Christian Church and Post Oak Springs Christian Church.
Christopher Jayden Lee Howard turned 1 year old on April 1.
He celebrated on April 2 with a Toy Story-themed party with relatives and friends at Roane County Park.
He is the son of Jessica Thomas and Jason Howard of Harriman.
Grandparents are Danny and Susan Thomas of Harriman and Donna Howard of Lenoir City.
Great-grandparents are Mary Hilton of Rockwood, James and Darene Jones of Harriman, Frankie Howard of Rockwood and the late Norville E. "Bud" Howard.
Christopher Matera and Lauretta "Laurie" Lee Martin Matera of Kingston had the official wedding convalidation of their marriage on March 5.
The preparation leading up to the Materas' Catholic convalidation was overseen by Father Michael Sweeney, pastor of Blessed Sacrament Catholic Church, Harriman. Father Leo Edgerly pastor of Corpus Christi Parish in Oakland, Calif., officiated at the ceremony.
Mr. and Mrs. Tommy Charles will celebrate their 50th wedding anniversary on April 1.
They will celebrate with a reception from 2 to 4 p.m. April 10 in Lakeview Baptist Church fellowship building, Harriman.
Charles and the former Carolyn Courtney were married on April 1, 1961, in Harriman, with the Rev. H.M. James officiating.
Copyright © 2019
The Roane County News is your source for local news, sports, events, and information in Roane County and Kingston, Tennessee, and the surrounding area.


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Art, Faith, and Honest Connection
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Laurie Siatt Dunn
April 29, 1966-Sept. 18, 2011
Elk Grove, California
Contact the submitter
Laurie Siatt Dunn passed away peacefully after an illness in the loving presence of her twin sister, Leslie, and husband, Craig. In addition to Leslie Siatt Lewis and Craig Dunn, Laurie is survived by her beloved son Gresham Dunn, her mother Linda Wagner, father Jim Siatt, nephew Shane Lewis, niece Lauren Lewis, and countless other relatives and dear friends.
Laurie had bravely battled kidney disease from a childhood illness her entire life. Laurie attended both Alisal and Valley View Elementary schools, Pleasanton Middle School, and graduated from Amador Valley High School in 1985.
Laurie attended Ohlone College in Fremont, CA where she received her early childhood education and she taught preschool for many years. Laurie was a gentle soul and a shining presence in so many lives and words cannot express how much she will be missed.


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Winter is Coming
Adaptive Action Sports (AAS) is continuing to work hard towards the international goal of creating a new sport for the 2014 Paralympic Games in Sochi, Russia: parasnowboarding! Since 2005, AAS' unique and original programs have been helping to pave the way for significant progression in the adaptive snowboard community and our collective Paralympic goal. From the first World Championship event ever, sanctioned by the WSF in 2008, to our world class boardercross camps at Sierra at Tahoe ski resort in Lake Tahoe, we are making great strides. Make sure to stay tuned to the AAS website for updates on our winter programs at www.adacs.org and visit the "Support AAS" page to donate to our cause. We are excited to announce that the US Paralympic Committee has endorsed and agreed to help AAS with our bid for a World Cup/Championship event at USASA Nationals this season. Cross your fingers that we get approval to host! There are grants available! To those interested in attending any of our events please contact us at email@example.com for information on grant opportunities. We look forward to a wonderful winter season and hope to see everyone soon.


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we are a
developing compelling stories that drive authentic engagement between brands and their consumers.
At MMI, we leverage the power of the connected social world to engineer meaningful conversations between brands and their consumers. We do this by diving deep into the digital footprints of these consumers in order to gain relevant insights into their behavior: the places they go, the things they say, and what really drives them. Mapping these human truths and emotions enables us to craft conversations that will truly affect consumer behavior. By combining human understanding with specific actionable insights, we connect with consumers who matter in the moments that matter to them. We orchestrate lasting relationships by creating meaningful conversations and experiences between great brands and their consumers.


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Your Hosts:
The Topics:
Top 7… best Dreamcast games of all time– a posthumous salute to Sega's doomed console.
Why the Dreamcast was different– discover why millions of gamers refuse to let go.
The Beatles: Rock Band– amazing Beatles product, decent Rock Band experience. Worth it to you?
Muramasa: The Demon Blade– visually striking slasher on a system starved for attention. Go buy it now.
GamesRadar vs Shirley Phelps-Roper– audio clips from the "most hated woman in America"
New 2D Sonic game announced from Sega– but who's developing it? And what's the catch?
Question of the Week – What is your fondest Sega memory? Let us know in the forums or in the linked article!
Win Supernatural season 4 on DVD– hit the link for details!
Above: Attempting to have a video conference with the GamesRadar UK team. Science!
Above: In a rare public appearance, Bowser stomped through the Radar halls demanding to listen to the latest TalkRadar
Above: Mechamorbo continues to astound with this digg-worthy entry
Above: It feels like this should have happened already, but if it didn't, congrats to ssj4raditz for making it reality
Above: Bobbety celebrates the era when Elvis, Chuck Berry and Little Richard were any of those adjectives
Above: This artsy mix of ex-editor Paul Ryan and Master Shake comes courtesy of derrderr420
Above: So that's why my bible smells like pizza
Head to theforumsand join the T-Dar community or die cold and alone
Post date: September 11, 2009
T-Dar 68 length: 2:37:05
Quote of the week: "I was too old to be stupid enough to buy an Activator."
Intro song by: Anamanaguchi
Visit TalkRadar on:Twitter|iTunes|TalkRadar Archives


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Call it a quiet but powerful statement: The most-wished-for book on Amazon.com right now is a book about introverts, and public speaking plays a big role in the book's effort to describe introverts' strengths.
Quiet: The Power of Introverts in a World That Can't Stop Talking weaves public speaking as a theme throughout the book, talking about how cultural phenomenons like Dale Carnegie, Toastmasters, and Tony Robbins have created an "Extrovert Ideal" that makes introverts, by comparison, seen as lacking something. Cain looks at cultural influences, genetics, personality factors and free will as factors in a more complex and thorough vision of introversion. The latter quality is the secret sauce that introverts can use "to overcome our personalities," she writes, urging readers to think of themselves this way: "We are like rubber bands at rest. We are elastic and can stretch ourselves, but only so much." And to illustrate that point, she lets readers in on her own efforts to become good at public speaking, something she herself feared but now does frequently.
Cain coaches introvert readers in how to find their "sweet spot" and manage their life experiences--including presenting and public speaking--to take advantage of the power of introversion, as well as their ability to act extroverted when it too conveys an advantage. Watch Susan Cain talk about the book in the trailer below, and check out our all-in-one post for introverts on public speaking, with 6 resources. What do you think about the power of introverts?
Looking for famous speeches by women? Check out The Eloquent Woman Index of Famous Women's Speeches, with a wide variety of women speakers, types of speeches and topics to inspire your next speech. Each one comes with lessons for speakers, plus video or audio and a transcript, where available.


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Friends Bag of Books Sale: Saturday, September 21 from 9 am–3:30 pm | CEN/Van Deusen Room. Friends of KPL WILL NOT ACCEPT DONATIONS beginning Monday, September 16th and will re-open for donations on Monday, September 23rd.
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Had a little bit of a scare there yesterday. I went to publish my story and it wouldn't save or publish. AHHHHHH! Lucky for me, I am married to a computer programmer so I stuck him on it while I went out for girls night. When I came back it was all fixed, sort of. We had to upgrade to the latest version of WordPress…and now it is like I am learning all over again. Boo.
Anyway, it is that time again. Time for the Daring Bakers challenge. You might have thought it was Tuesday since this is indeed a Dorie recipe and is indeed from Baking From My Home to Yours but it is Sunday. This recipe was chosen by Morven of Food, Art and Random Thoughts. And before I forget a special thanks to Morven for sending me the coolest care package from New Zealand. First she sent me a fabulous magazine called Dish. Which I was confused by since it came with no note and a return address from a place of business. That was followed up by Apple Syrup(I am thinking about what to make with it), Quince Paste(which I will eat with cheese!) and two Cadbury Chocolate bars(one is already gone!). See awhile back I won a contest that was about food and art(two things I know about) and I guessed the most correct. So I got the cool package. You may be jealous now.
Okay, back to the cake. I only like going to weddings for one thing. Cake. And my favorite is always white cake with white buttercream frosting. So when I saw that this was basically what we were making with the Perfect Party Cake I was beyond excited. The original recipe calls for just buttercream and jam between the layers but as I was trolling the web I saw that Helen had made a lovely lime mascarpone mousse and I decided to do something with that. Except that mine is made with honey tangerines. Yes, I have been on a tangerine kick. No, don't worry I don't have scurvy…or should I be getting it anytime soon. If you have never seen a honey tangerine they do look a little different than a regular tangerine. They are larger and are honey in color and have usually blackish spots on them. But they have the wonderful taste of tangerines but a tad bit sweeter. And you know me, the sweeter the better.
I would make this cake again in a heartbeat. It uses my favorite type of buttercream, Swiss. Which reminds me…Rene, this is the type of buttercream you need to learn how to make! It is very versatile as you will see if you go around to the hundreds of Daring Bakers websites. I have seen combos I would have never thought of.
Perfect Party Cake
Words from Dorie
Stick a bright-coloured Post-it to this page, so you¢â¬â"¢ll always know where to turn for a just-right cake for any celebration. The original recipe was given to me by my great dear friend Nick Malgieri, of baking fame, and since getting it, I¢â¬â"¢ve found endless opportunities to make it ¢â¬â€œ you will too. The cake is snow white, with an elegant tight crumb and an easygoing nature: it always bakes up perfectly; it is delicate on the tongue but sturdy in the kitchen ¢â¬â€œ no fussing when it comes to slicing the layers in half or cutting tall, beautiful wedges for serving; and, it tastes just as you¢â¬â"¢d want a party cake to taste ¢â¬â€œ special. The base recipe is for a cake flavoured with lemon, layered with a little raspberry jam and filled and frosted with a classic (and so simple) pure white lemony hot-meringue buttercream but, because the elements are so fundamental, they lend themselves to variation (see Playing Around), making the cake not just perfect, but also versatile.
For the Cake
2 1/4 cups cake flour (updated 25 March)
1 tablespoon baking powder
½ teaspoon salt
1 ¼ cups whole milk or buttermilk (I prefer buttermilk with the lemon)
4 large egg whites
1 ½ cups sugar
2 teaspoons grated lemon zest
1 stick (8 tablespoons or 4 ounces) unsalted butter, at room temperature
½ teaspoon pure lemon extract
For the Buttercream
1 cup sugar
4 large egg whites
3 sticks (12 ounces) unsalted butter, at room temperature
¼ cup fresh lemon juice (from 2 large lemons)
1 teaspoon pure vanilla extract
For Finishing
2/3 cup seedless raspberry preserves stirred vigorously or warmed gently until spreadable
About 1 ½ cups sweetened shredded coconut
Getting Ready
Centre a rack in the oven and preheat the oven to 350 degrees F. Butter two 9 x 2 inch round cake pans and line the bottom of each pan with a round of buttered parchment or wax paper. Put the pans on a baking sheet.
To Make the Cake
Sift together the flour, baking powder and salt.
Whisk together the milk and egg whites in a medium bowl.
Put the sugar and lemon zest in a mixer bowl or another large bowl and rub them together with your fingers until the sugar is moist and fragrant.
Add the butter and working with the paddle or whisk attachment, or with a hand mixer, beat at medium speed for a full 3 minutes, until the butter and sugar are very light.
Beat in the extract, then add one third of the flour mixture, still beating on medium speed.
Beat in half of the milk-egg mixture, then beat in half of the remaining dry ingredients until incorporated.
Add the rest of the milk and eggs beating until the batter is homogeneous, then add the last of the dry ingredients.
Finally, give the batter a good 2- minute beating to ensure that it is thoroughly mixed and well aerated.
Divide the batter between the two pans and smooth the tops with a rubber spatula.
Bake for 30-35 minutes, or until the cakes are well risen and springy to the touch ¢â¬â€œ a thin knife inserted into the centers should come out clean
Transfer the cakes to cooling racks and cool for about 5 minutes, then run a knife around the sides of the cakes, unfold them and peel off the paper liners.
Invert and cool to room temperature, right side up (the cooled cake layers can be wrapped airtight and stored at room temperature overnight or frozen for up to two months).
To Make the Buttercream
Put the sugar and egg whites in a mixer bowl or another large heatproof bowl, fit the bowl over a plan of simmering water and whisk constantly, keeping the mixture over the heat, until it feels hot to the touch, about 3 minutes.
The sugar should be dissolved, and the mixture will look like shiny marshmallow cream.
Remove the bowl from the heat.
Working with the whisk attachment or with a hand mixer, beat the meringue on medium speed until it is cool, about 5 minutes.
Switch to the paddle attachment if you have one, and add the butter a stick at a time, beating until smooth.
Once all the butter is in, beat in the buttercream on medium-high speed until it is thick and very smooth, 6-10 minutes.
During this time the buttercream may curdle or separate ¢â¬â€œ just keep beating and it will come together again.
On medium speed, gradually beat in the lemon juice, waiting until each addition is absorbed before adding more, and then the vanilla.
You should have a shiny smooth, velvety, pristine white buttercream. Press a piece of plastic against the surface of the buttercream and set aside briefly.
To Assemble the Cake
Using a sharp serrated knife and a gentle sawing motion, slice each layer horizontally in half.
Put one layer cut side up on a cardboard cake round or a cake plate protected by strips of wax or parchment paper.
Spread it with one third of the preserves.
Cover the jam evenly with about one quarter of the buttercream.
Top with another layer, spread with preserves and buttercream and then do the same with a third layer (you¢â¬â"¢ll have used all the jam and have buttercream leftover).
Place the last layer cut side down on top of the cake and use the remaining buttercream to frost the sides and top.
Press the coconut into the frosting, patting it gently all over the sides and top.
The cake is ready to serve as soon as it is assembled, but I think it¢â¬â"¢s best to let it sit and set for a couple of hours in a cool room ¢â¬â€œ not the refrigerator. Whether you wait or slice and enjoy it immediately, the cake should be served at room temperature; it loses all its subtlety when it¢â¬â"¢s cold. Depending on your audience you can serve the cake with just about anything from milk to sweet or bubbly wine.
The cake is best the day it is made, but you can refrigerate it, well covered, for up to two days. Bring it to room temperature before serving. If you want to freeze the cake, slide it into the freezer to set, then wrap it really well ¢â¬â€œ it will keep for up to 2 months in the freezer; defrost it, still wrapped overnight in the refrigerator.
Playing Around
Since lemon is such a friendly flavour, feel free to make changes in the preserves: other red preserves ¢â¬â€œ cherry or strawberry ¢â¬â€œ look especially nice, but you can even use plum or blueberry jam.
Fresh Berry Cake
If you will be serving the cake the day it is made, cover each layer of buttercream with fresh berries ¢â¬â€œ use whole raspberries, sliced or halved strawberries or whole blackberries, and match the preserves to the fruit. You can replace the coconut on top of the cake with a crown of berries, or use both coconut and berries. You can also replace the buttercream between the layers with fairly firmly whipped sweetened cream and then either frost the cake with buttercream (the contrast between the lighter whipped cream and the firmer buttercream is nice) or finish it with more whipped cream. If you use whipped cream, you¢â¬â"¢ll have to store the cake the in the refrigerator ¢â¬â€œ let it sit for about 20 minutes at room temperature before serving.
Adapted from Baking From My Home To Yours by Dorie Greenspan
Honey Tangerine Mascarpone Mousse:
2 eggs, separated
4 TB sugar
4 oz mascarpone cheese, at room temperature
5 ounces heavy cream
2 tsp. powdered gelatin + 2 TBS water
zest and juice of one honey tangerine
Sprinkle the gelatin over the water, stir and let sit to bloom. In a large mixing bowl, whisk the mascarpone with the sugar, add egg yolks and whisk until well incorporated. Heat the gelatin for about 10 seconds in the microwave and quickly whisk it in the mascarpone batter. Add the tangerine juice and zest. Whip the egg whites until stiff, fold into the mascarpone mixture. Whip the heavy cream to medium stiff peaks, and fold into the mascarpone.
Adapted from Tartelette


text:
Gateway Pavilions 18
Generally, the full showtime schedule is published on Wednesdays for the following Friday through Thursday. However, for Wednesday opening releases, the full showtime schedule is published on the Tuesday prior. A partial schedule may be available further in advance for major releases.
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text:
— As Americans continue to lose their homes in record numbers, the
Federal Reserve is considering making it much harder for homeowners to
stop foreclosures and escape predatory home loans with onerous terms.
The Fed's proposal to amend a 42-year-old
provision of the federal Truth in Lending Act has angered labor, civil
rights and consumer advocacy groups along with a slew of foreclosure
defense attorneys.
They're not only asking the Fed to withdraw the
proposal, they also want any future changes to the law to be handled by
the new Consumer Financial Protection Bureau, which begins its work
next year.
In a letter to the Fed's Board of Governors, dozens of groups that
oppose the measure, including the National Consumer Law Center, the
NAACP and the Service Employees International Union, say the proposal is
bad medicine at the wrong time.
"At the depths of the worst
foreclosure crisis since the Great Depression, we are surprised that the
Fed has proposed rules that would eviscerate the primary protection
homeowners currently have to escape abusive loans and avoid foreclosure:
the extended right of rescission."
Because the public comment period on the Fed's proposal is still open until Dec. 23, a spokesman declined comment on the matter.
in a September passage in the Federal Register, the Fed said the
proposal was designed to "ensure a clearer and more equitable process
for resolving rescission claims raised in court proceedings" and
reflects what most courts already require.
Since 1968, the Truth
in Lending Act has given homeowners the right to cancel, or rescind
illegal loans for up to three years after the transaction was completed
if the buyer wasn't provided with proper disclosures at the time of
Attorneys at AARP have used the rescission clause for
decades to protect older homeowners stuck in predatory loans with costly
terms. The provision is also helping struggling homeowners to fight a
wave of foreclosure cases in which faulty and sometimes-fraudulent
disclosures were used.
The violations must be of a material nature
to invalidate a loan under the extended-rescission clause. To do so,
homeowners — usually those facing financial problems or foreclosure —
hire an attorney to scour their mortgage documents for possible
violations regarding the actual cost of the loan or payment terms.
problems are found, a notice of rescission is sent to the creditor,
which can either admit to the alleged violation or contest it in court.
Creditors that end up rescinding a loan are then required to cancel their "security interest," or lien, on the property.
that occurs, the homeowner must then pay the outstanding loan balance
back to the lender — minus the finance charges, fees and payments
already made.
Dropping the lien provides homeowners with a defense
against foreclosure and allows them to refinance to pay the outstanding
loan amount.
Critics say the proposed change by the Fed would
render the rescission clause useless. The Fed proposal would require
homeowners who seek a loan rescission through the courts, to pay off the
entire loan balance before the lender cancels the lien.
"This, of
course, would be almost impossible for most consumers to do because
they can't come up with the money until they get out of the loan. And
they can't get out of the loan until the lien is released," said Barry
Zigas, director of housing and credit policy at the Consumer Federation
of America. "None of us are quite sure what purpose is being served by
this proposal or what prompted it."
The Fed's proposal is part of
an ongoing effort begun in 2005 to review and update rules and
guidelines for disclosure in the rescission process, said Kathleen
Keest, the senior policy counsel for the Center for Responsible Lending.
That effort, which includes a review and update of the forms used for
rescission, pre-dates the housing-market meltdown and the recession, she
The Fed "believes this adjustment would facilitate
compliance with the Truth in Lending Act," adding that the "majority of
courts that have considered this issue" condition the release of a lien
on a homeowner's ability to repay the balance.
The Mortgage
Bankers Association, the main trade group for the real estate finance
industry, hasn't taken a position on the issue or submitted public
comment to the Fed. But "we are inclined to support the direction the
Fed is headed," said John Mechem, the MBA's vice president for public
Requiring homeowners to pay what remains of the original
loan before a rescission can proceed is tantamount to a "verdict first,
trial later" philosophy, Keest said.
"It basically puts the cart
before the horse," she said, adding that securing the "right to rescind
determines how much you have to (pay)."
David Certner, the
legislative policy director at AARP, which also has criticized the
proposal, said rescission is an effective tool to make sure creditors
follow the rules and are transparent about the true cost of loans.
can help put off a foreclosure and give one the leverage in negotiating
some other type of appropriate payment or settlement. It's a very
powerful tool to help people stay in their homes," Certner said. He
called the proposal "egregious."
Letter to Federal Reserve opposing the rescission proposal
Federal Register notice explaining its proposed changes on rescission (begins on pg. 58541)
To submit a comment to the Federal Reserve


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Many thanks Dion. We love the heater and found Rob Barrow's service to be fantastic.
Just wanted to thank you for your service. Recently ordered a hot water system on-line and felt anxious. System arrived in 2 days and has been successfully installed no problem. Your website saved us $1240 and we have exactly what we wanted. Thanks.
Thought I'd take advantage of the great prices at Gstore and ordered a continuous flow water heater. Unfortunately, I then discovered that my gas pipes were not big enough to run this unit. When I phoned and spoke to Dale, he quickly understood the problem and offered to refund my money in total without any hesitation or pressure to buy a different unit. Fantastic service. I will recommend this store to all my friends and will certainly shop here again. Thanks
Thank you G-Store. I had tried several plumbers and electricians about fixing a pump for our water tank bought at the G Store many years ago - all told me it was useless and I'd need to buy a new one as it would be too expensive to fix. I rang the G-Store in Malvern to get prices on a new one, but instead, Callum asked why the old one wasn't working as it was a good model. He diagnosed the fault, and gave me information (in plain non-techie english) allowing me to easily fix the pump myself iin ...
Mark from G Store was quickest to respond to my request for a quote and throughout the process was highly responsive and helpful. I ended up with 8 Ben Q panels with Enphase micro inverters at a very competitive price. Installation was very quick - about a week from signing the deal. Installers arrived at the crack of dawn ie about 7am and worked consistently and efficiently to complete in about half a day. They also replaced my old fuse board for a new RCD one, again at an extremely competi...
Submitted quote online and the price was very competitive. But the service I must say is the best, confirmed order in the morning and new heater installed by 4pm same day. The installer guys were really great, nothing was a problem for them. Highly recommend G-Store, if I need anything again they will be my first call.
This view is already at: http://www.productreview.com.au/r/g-store/873752.html?ref_r=emailViewedItem 5 out of 5, reviewed on Jan 05, 2016, viewed 281 times Yesterday, I shopped around for a hot water unit until 2.00 PM. I could not get a good price and time to install (2-3 days) I wanted. My friend recommended G Store. I phoned Dion at G Store and asked for a price and when he could install the unit ( I requested to install by the next day). After he made some phone calls, Dion promise...
Excellent, excellent price & service, these guys are astoundingly good. Placed order, transit from Melbourne to my Sydney digs, all done in 24 hours, you cannot get a pizza home delivery in that time frame, just dazzlingly brilliant.
G-Store advised us on a Solar PV system for our house for the budget we outlined and followed through with a competitive quote and very professional and friendly installation. This was a no-hassle and enjoyable transaction! i waited a number of weeks before providing a testimonial to ensure any followup or callbacks could be handled, but I'm happy to say none were required. I highly recommend the team as they are knowledgeable, friendly and competitive.
I found the service and knowledge of GStore staff [especially Matthew] exemplary. Matthew was so helpful even ringing after the system was installed to tell me the system was outperforming expectations. The installer Cliff was very professional and informative. We did have some hassles to do with the roof pitch, but these were all sorted quickly. The system has been performing beyond expectations. Well done highly recommend GStore. thanks to all CM
5 stars end to end, strongly recommend. I spent couple of months researching the best solar options and hardware. Based on my research, I contacted GStore as the they are suppliers of the LG panels that I wanted. Adam was great in explaining the best options and he spend time trying to design the best solution within my budget. Installation was smooth with good qualified installers, accommodating my special request for internet connection. I forgot that I was in the middle of switching my e...


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A mod currently under development by Iron-fist Dev. Team. It makes decision a key game play element, and making any decision can lead to a completely different outcome.
Only registered members can share their thoughts. So come on! Join the community today (totally free - or sign in with your social account on the right) and join in the conversation.
So basically I made a model of that mech picture I posted in update #7


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Dellesta Park
Scottsdale, Arizona Get Directions
Email: firstname.lastname@example.com
Phone: 360-303-5166
Dellesta Park Arabians was created in 2001 with the birth of its first officially DPA bred horse Caro Lynn DPA (*Form Carillon x Magics Charisma). The primary focus of "DPA" is to breed beautiful, athletic Arabians. We are truly small breeders with a handful of mares, a yearling stallion prospect Bellissimo DPA (Gazal Al Shaqab x Caro Lynn DPA) and our breeding stallion EF Kingston (Padrons Psyche x The Dreamspinner).
Owner: Kristi & Janel Hopp


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The RemGrit® Holesaw is a carbide grit edged holesaw designed to cut extremely hard or abrasive materials including ceramic tiles, laminates, MDF, marble,slate, glass fibre and virtually any material that does not form a chip.
It cuts cast iron, ceramic tiles, laminates, composition board, marble, slate, glass fibre, asbestos. Totally interchangeable with all other American Pattern Holesaws.
Maximum Cutting Depth: 29mm.
Availability: In stock
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Developed by GloverSure Ltd.


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thegreatgwin needed a new other design and created a contest on 99designs.
A winner was selected from 24 designs submitted by 12 freelance designers.
I would like the blue pendant to be added to the pet photos. The pendant should hang from a collar round the pet's neck. This needs to be done so it looks natural, as if the pet was photographed actually wearing the pendant.
Accepted File Formats:
Standard Web Formats (.jpg, .gif or .png); Layered Formats (.psd or .tiff); TIFF
Each of the pets, where their neck is exposed, in the photos should be wearing the pendant. The pendant photo shows both front and back. It would be nice to have some of the photos showing the back of the pendant. I have included a photo to show the relative size the pendant should be.
Web-ready files, please (jpg/gif or png) and tiff files for print.
PHOTO FILES: http://www.qpet.jp/docs/sitepoint-d…-files.zip