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New (Architecture) Kid in Town→/
Dan Weber is Santa Barbara's newest architect. Read about his work and view photos of his projects.Read More
My Latest Architect Obsession: Neumann Mendro Andrulaitis Architects, LLP/
Normally I write or edit copy provided to me on this blog, but Dave Mendro, partner at NMA sent me what I think is a perfect description of what they design.
Creating Your Sense of Place
Andy, Mary, and I have enjoyed a wonderful relationship working together and creating architecture here in Santa Barbara for over 25 years.
Why are we in Santa Barbara?
That's easy, for the same reason most of us make Santa Barbara our home - the ocean, the mountains, the sunlight and warm weather. I just can't imagine a better place to live and work. Our beautiful natural environment and climate are so conducive to great living and great design.
One of our main goals, and a common thread in all our work, from homes for families to commercial buildings for businesses, is to create a strong connection with the environment and to create places for indoor-outdoor living. We see our designs as a backdrop to the to the natural environment and the way our clients want to live, work, and play. I think we are all living our version of the California dream here in SB. We want to help with that.
We don't take a cookie cutter approach to design. We prefer to start the design process without a particular style of architecture in mind. We enjoy the challenge of reinventing the wheel, approaching each project individually, and coming up with a perfect solution. That's what keeps us motivated and energized. We work very closely with our clients to understand their needs and desires, and to study the features of their building site. Then we evolve the design from the inside out. Our goal is to create a place that is perfectly suited to our client's needs and to their site context. That's why our work is very broad based ranging from contemporary to traditional, and transitional designs in-between. We're always looking forward to working with our next client, designing our next best project, and creating their own, unique sense of place.
More information at www.NMAarchitects.com
Photos by Ciro Coelho. Used with permission
My Latest Architect Obsession: DesignArc/
Founded by my friend, Mark Kirkhart and partners, DesignARC is an innovative design firm based in Santa Barbara and Los Angeles comprised of progressive, like-minded thinkers who share a genuine desire to research, learn, and apply newfound knowledge to the project at hand. Specializing in custom residential, commercial, hospitality and institutional design, the company culture stresses collaboration among colleagues, in the search for creative architectural solutions for its clients.
DesignARC has designed and seen through construction a decidedly diverse portfolio of architectural projects during the past forty years, and has received over thirty design awards for Excellence in Architecture. The honored work includes many restaurant and hospitality projects in New York, San Francisco, Los Angeles and Santa Barbara, as well as numerous multi-family residential projects in Los Angeles, San Diego, and Palm Springs, California.
DesignARC's highly collaborative approach to projects is the core of this commitment: a central belief is that the most successful projects celebrate the goals and ambitions of the client, rather than the signature of the architect. Essential to this approach is DesignARC's ability to establish a close working partnership with every client; developing goals, program parameters, building solutions and management strategies, within a framework which assigns the highest priority to communication and the collaborative process.
My Latest Architect Obsession: Appleton Partners LLP- Architects/
Appleton Partners LLP – Architects was established by my friend Marc Appleton in 1976, and has offices in Santa Monica and Santa Barbara, California. Specializing in the planning and design of custom residential, institutional and commercial projects for both private and public clients, their projects include additions, restorations and the adaptive reuse of existing buildings as well new construction.
Their work frequently draws upon the time-honored traditions of vernacular architecture, subtly reinterpreting them to evoke a presence of the past. Although every project is unique to its situation, this approach helps distinguish each project as part of a historical continuum, in the process allowing it to belong more convincingly on its site and its context, whether urban or rural.
Marc Appleton has the rare honor of being among only 10 architects in the U.S. who have been selected for Architectural Digest's AD100 every year since its inception in 1991.
For more information, visit www.appleton-architects.com.


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Sensory Trust Access Audit:
improving accessibility and engaging local communities at the National Tramway Museum, Crich, Derbyshire
The National Tramway Museum is an exceptional collection of trams, including some of the earliest examples from around the world. The museum is part of Crich Tramway Village, which has an old-style sweetshop, cafe, tram depots and a working tram that visitors can ride on. We first worked with the museum in 2008, carrying out an access audit and community consultation. We returned in 2013 to undertake a new audit of the changes that had been made.
Aims of the audit
The key aims of the audit and community consultation were to:
- Identify barriers preventing access for people with a range of disabilities, including site issues and access to information.
- Ensure equality of experience by identifying opportunities to enhance the visitor experience for all visitors.
- Consult with a variety of individuals and community groups to identify needs, challenges and opportunities.
Undertaking the audit
The audit involved site surveys across the whole site, including the indoor museum and exhibits, the outdoor areas of the village and the woodland areas. We consulted with people with different disabilities, and undertook some site work together to better understand the barriers impacting on visitors.
The museum has a wheelchair-accessible tram which travels the length of the site, and it is a popular attraction for people with disabilities, so the work has been designed to build on what has already achieved by museum staff and volunteers.
We got a wealth of feedback from formal consultation sessions held on site and informal conversations with disabled visitors, carers and companions. We combined that with our knowledge of access and experience issues to create a report with a comprehensive list of recommendations for improvements to the museum. The suggestions covered a wide range of areas including organisational practice, wayfinding, information and interpretation, and physical access.
Audit findings
The topography of the site and its layout meant that the variety of access issues was as wide as the range of sensory experiences the site offered. The report suggested improvements to access and quality of experience in all areas of the museum. To make sense of the list of suggestions, we structured the detailed report around the three geographical areas. We also provided a summary of recommendations that could be filtered by priority, timescale or cost.
The report helped secure funding for improvements to the museum, including support from the Heritage Lottery Fund.
We consulted with disabled people and with organisations and schools that organise group visits to the museum. By talking to people that were familiar with a range of disabilities the consultation looked at a wide variety of needs and challenges, a wider range than would have been achieved had the groups consisted of individuals with specific issues. This approach to consultation is also a useful first step in developing relationships with local groups who are in a position to give ongoing feedback, something that is particularly important when a programme of access improvements is planned.
We would like to thank again the individuals we consulted with from the following groups and organisations:
- Age Concern
- Holbrook Centre for Autism
- Atherton Park Community School
- Belper Social Club for the Disabled
- Holymoorside United Reform Church
- South Nottingham College
- Hearing Dogs for the Deaf
- Seeing Aloud steering group
Interested in an access audit?
Sensory Trust undertakes access audits for heritage and contemporary venues. Read more about our access audit consultancy >>
Outdoor access design factsheets - free guidance
Access Chain - a tool for reviewing access from the user's perspective
Access statements - samples for you to use
What is inclusive design? links and information
Accessible information design - why it matters and who it benefits
Our Pilchards, Pits and Postcards project is opening up access and understanding of heritage for people of all ages and abilities.

subset: commoncrawl


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The National & Local News.
The Market Cafe
Gloucester Market
Day and times will
remain same
'Art Stars'
What Is Jigsaw Art Stars?
'Art Stars'
We promote our Art in the Gloucester Community
Art From Home.
Please Note
Members of This Group Will Have A Variety
Art & Craft Skills.
2pm - 3.30pm
Every Thursday
Please note. For the 3rd time this year in 2017 on the 16th November Jigsaw members and others attending this group found Sahara Lounge Closed due to internal problems. Without any formal notification. So we were unable gain access. On their own innititve 'Jigsaw Art Stars' moved to another temporary location (with the permssion of a local manager) so no one missed out on their scheduled group session.
Would Jigsaw members and others who like to attend this group please note.
'Jigsaw Art Stars'
have now been relocated to the venue below
The Market Cafe
Gloucester Market.
Day and times remain same.
With thanks to the proprietor
'The Market Cafe'
For providing
Jigsaw Gloucester UK, our members / Prospective members peace of mind.
Please note. Jigsaw Art Stars Group was launched on 22nd March 2017. April saw this group obtain its first financial grant for Art Materials & Equipment. This was kindly provided by The Barnwood Trust in the form of a
'Small Sparks Grant'
of £250
To See Where We Have Been
Click On The
''HELP IF WE CAN' Logo, Left
To See How They Have Helped Others In The
Gloucester Community.
To Return To Jigsaw Activity Schedule. Use Your Back Button.


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2017 Fall Festival is HERE!
Join the FREE family fun on Sunday, October 29 from 6pm-8pm on the FRBC Campus.
Games | Hamburgers and Hot Dogs | Candy | Kids Pumpkin Painting Contest ($100 Gift Card) | Trunks N Treats and more
1424 New Franklin Road, LaGrange, GA
PRE-REGISTER for the GRAND PRIZE $75 Gift Card right here!
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Black History Celebration 2018 After Work Dance Party!
Newark Public Library
5 Washington St, Newark, NJ 07102
After Work Dance Party!
2nd Floor, Centennial Hall
5:30 – 10:30 pm
R&B, House and Disco music from the 70s, 80s, & 90s featuring DJ Mr. Slim (Randall Taylor)
Free parking will be available at the Essex County Parking Deck on Bridge Street, between McCarter Highway (NJ Route 21) and Broad Street. All cars must exit the lot no later than 11:00 pm. The lot will be locked from 11:00 pm Friday evening until Monday morning. Many thanks to Essex County Executive Joseph DiVincenzo and the Essex County Improvement Authority for making free parking available.
PNC Foundation is proud to support the Newark Public Library's Black History Celebration exhibition and public programs.
For information about Black History Celebration 2018, please click here.


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Georgia Tech Takes A Jab At UGA On Twitter
Georgia Tech, the losers of 13 out of the last 16 games against Georgia, has taken to Twitter to make fun of one of UGA's new concessions partnerships.
Contact @UGAFootballLive
As we posted on Monday, Sanford Stadium will be welcoming two new food vendors into its building this year, with the additions of Dunkin' Donuts and Dreamland BBQ.
There have been some Georgia fans opposed to the new concessions partnership with Dreamland BBQ, a food chain that was founded in Tuscaloosa – home of the University of Alabama – and is beloved by the Crimson Tide fanbase.
Fans are not the only ones expressing their disapproval of the move, however. As per usual in the offseason, schools tend to poke fun at their rivals via social media posts and edited graphics. Georgia Tech, in typical Tech underwhelming fashion, responded to UGA's partnership with Dreamland BBQ with the below tweet.
Maybe Tech should focus on beating UGA on the field rather than on the internet. Just a reminder, Georgia has won 13 out of the last 16 games against the Yellow Jackets.


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Tuesday, June 19, 2012
A Lesson From the Woods
10 comments:
- AnonymousJune 19, 2012 at 10:47 AM
Wow- that looks beautiful! What a good adventure!ReplyDelete
Bravo! I feel the same way. I hooked up with some neighbor moms who are super active on the lake. I used the words I Cant' too much last summer, then made it a goal, even set it in my prayer journal to be in shape this summer to keep up with them. I have had an amazing spring so far! I was just txting a friend that we were not going out this morning, and my body aches for not working out in a week - she said it stinks to get old - I said no - It Stinks to be Lazy! Then I read this post. Thanks!ReplyDelete
- AnonymousJune 19, 2012 at 11:44 AM
Beautiful pictures and so happy to see you succeeding!ReplyDelete
Congrats on your accomplishment!ReplyDelete
Way to go on your weight loss! I'm also a mom of 8 and one of your fellow TOS reviewers. :)ReplyDelete
I'll have to browse around and see if you share how you lost the weight. I need to lose 40 and have lost 12 so far. Pictures of opportunities like this one will inspire me to stay the course.ReplyDelete
Absolutely beautiful! Way to go on the weight loss and gettng healthy!!ReplyDelete
That looks like a wonderful hike! I love hiking. I need to lose weight though, it would make it so much easier...ReplyDelete
Great job on your weight loss! You're an inspiration to me. How did you do it? Autoimmune diseases have worn me out and caused weight gain for years now and I'd love to make some improvement.ReplyDelete
The scenery is beautiful!
Beautiful pictures! It sounds like you have made major changes for the better. I am sorry for your loss. I lost my Daddy a year ago, and it is sad how his poor health limited him. I agree, that is another motivator to be more healthy.ReplyDelete


text: Congratulations to Megan White. Riding Jessie, Megan entered the dressage competition (assisted class – walk/trot) at the North West Regional Show that had been due to take place at Crosby. Due to equine travel restrictions in place at the time, the dressage test was recorded on video and sent off for judging. Continue reading "Camsley Rider Takes 2nd in Regional Dressage Competition"


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When this box is checked, Mojo saves copies of your game files before it launches a toon. You can use these copies after a forced respec or crash to restore lost settings. To see the backup files, open Mojo's DAOC menu and select "Show Mojo's backup directory for DAOC." To see the original versions of the files, select "Show DAOC's documents directory."
Mojo saves copies of the five most recent versions of each character file and the ten most recent versions of user.dat which contains settings for the whole game.
If you check this box, you can launch more than two DAOCs on a single computer.
By default, the option is off. To turn it on, you must check the box in the red circle. DAOC launches a little slower when the option is on, but otherwise there's no effect on performance.
This option replaces LottaCam and other programs that delete mutexes.
Normally, if you have a multi-core CPU, Team Launch starts several toons at the same time, one on each core. But if you check this box, toons launch one at a time. This doesn't mean that one toon loads completely into the game world before the next toon launches; it means that the operating system creates the DAOC process and window before the next one launches. This happens very fast. To human eyes, it may still look like the toons are launching simultaneously.
Normally this setting isn't needed and its value is zero. One of Mojo's users reported that DAOC becomes buggy when Mojo launches two or more copies in rapid succession. If you have that problem, you can use this setting to make Mojo wait for a brief time after it launches one toon and before it launches the next, during a team launch. The maximum value for this setting is 30000 milliseconds which equals 30 seconds.
Normally this option isn't needed and its box is unchecked. This option is for people who experience the bug that makes DAOC crash with a message that says SmartHeap is out of memory.
This option doesn't prevent the bug, but it allows you to play for more hours before the bug makes the game crash.
Unfortunately, this option makes DAOC unstable in other ways. The SmartHeap bug will be postponed, but other problems may surface. Therefore this option is a tradeoff. Most people seem to think it makes things better but you may find in your case that it makes things worse.
This option works only on 64-bit Windows.
This option increases DAOC's virtual address space from 2 GB to 4 GB so it runs for a longer time before it runs out of memory.
Here's how this option works. If you turn it on, Mojo creates a copy of game.dll (the game's main executable file) and changes a single bit in that file from zero to one. That bit tells the operating system to increase DAOC's virtual address space. Then, when Mojo launches DAOC, it uses the copy instead of the original. Whenever game.dll gets patched, Mojo makes a new copy.
Many thanks to CherubXT for suggesting this idea on VN Boards.
This page was last modified on December 7, 2013


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Support Us
There are different ways you can help support the work we are doing in the community - and we really appreciate it! Every contribution makes a difference and every contribution matters! If you want to get involved simply get in touch with us.
Morrinsville Community House is an Incorporated Society (No. HN/598226) and is registered with the Charities Commission (No. CC34565).


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ILE (Local Initiatives for the Environment in the Mediterranean) introduces a Euro-Mediterranean cooperation initiative to support sustainable development and local democracy. It uses an intercultural approach involving partners from France, Greece, Italy, Lebanon and Tunisia to linking training to grass-roots action in conjunction with local authorities to:
• boost the involvement and capacities of Mediterranean civil society in the field of sustainable development and local democracy;
• give greater recognition to the role civil society plays in environmental policies implemented in Mediterranean regions.
ILE activities
ILE identifies organisations involved in eco-citizen activities in all the project partner countries as well as obstacles to mobilising citizens and good practice in this subject area.
See the report (only in French)
ILE mobilises eco-citizen organisations seeking greater involvement in local governance, both regionally and throughout the Euro-Mediterranean area.
Look at the ILE map and select a country
ILE applies a participatory method to develop local action plans for sustainable development in the project's 8 participating regions.
Discover the local projects
ILE mobilises young people by organising eco-volunteer missions and Euro-Mediterranean Campuses for the environment.
ILE contributes to empowering the network of associations in environmental governance by using active learning methods in workshops and exchanges of experience.
Learn about the workshops
ILE reinforces its network by inviting NGO's and local authorities involved in eco-citizenship to the Euro-Mediterranean Eco-citizen Summer Schools which are focal points for the creation of new synergies and promoting good practice.
The main results of the project are available on the
The ILE Partnership
The Mediterranean Centre of Environment - Greece is partners of the project ILE together with:
• Association for Participation and Regional Action -APARE – Provence-Alpes-Côte d'Azur, France, Lead partner
• Office de l'Environnement de la Corse – Corsica, France
• AMESCI – Campania, Italy
• Association for the Development of Rural Capacities-ADR – Southern Lebanon, Lebanon
• Association d'Education Relative à l'Environnement d'Hammamet-AERE – Nabeul, Tunisia
page facebook AERE
• Association de Sauvegarde de l'Aasis de Chenini-ASOC – Gabes, Tunisia
page facebook AssociationDeSauvegardeDeLOasisDeCheniniGabesasoc
• Association des Jeunes de Zammour-AJZ – Medenine, Tunisia
Two associate partners in Morocco and Algeria:
• Association de Réflexion d'Echanges et d'Action pour l'Environnement et le Développement - AREA-ED – Algeria
• Centre Méditerranéen pour l'Environnement et le Développement - CMED – Morocco
The ILE project is funded under the 2007-2013 ENPI CBC Mediterranean Sea Basin Programme, a multilateral Cross-Border Cooperation initiative part of the European Neighbourhood and Partnership Instrument (ENPI). The Programme objective is to promote the sustainable and harmonious cooperation process at the Mediterranean Basin level by dealing with the common challenges and enhancing its endogenous potential. It finances cooperation projects as a contribution to the economic, social, environmental and cultural development of the Mediterranean region (www.enpicbcmed.eu)."


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5 Reasons Why Everyone Should Attend Roast Battles
- Comedy competitions are mean but friendly.
Roasting has been around for decades. But, the excitement-inducing rap-battle/Friars Club Roast hybrid is only a young, alternative addition to the comedy world. It is believed to be a product of the Los Angeles comedy scene but has spread across the country like wildfire.
Which is an interesting coincidence because some of the things the comedians say to each other are like searing balls of fire spewing from their mouths. But, oh how it is entertaining.
There are other battles in places like New York and other big cities, and the interest is growing among comedians and audience members.
- Roasts are a big part of comedy history.
Formal roasts with then Roastmaster Dean Martin would be a glamorous event including a dais of men and women comedians. Each of them would approach the podium and deliver the meanest yet funniest jokes that their minds could conceive. It became a way to honor a comedian or person of interest. Some of the biggest names in comedy and pop culture have been roasted, like Don Rickles, Bob Hope, and even President Donald Trump had his life held to the flames.
Comedy Central started doing their own roasts years ago and have continued to do them, which has made them a big part of pop culture.
- Everyone secretly wants to be a little mean.
It is human nature to get angry, sometimes. It is just a common emotion that human beings have to deal with on a regular basis.
But our society has created laws, manners and a social decorum that most try to live by. Although, on occasion, people don't care about those things.
It is evident through the constant evolution of crime and war over human history, that anger isn't going anywhere.
Maybe that is the reason Ann Coulter said yes to the Rob Lowe Roast when she knew she would be targeted.
- Roasts are great with friends.
The show is perfect for a group of friends that loves messing with one another's self-esteem Although, it may not be the best place for a date. If a girl sees a guy laughing at an extremely dark or mean joke, it could affect him negatively. But then again, it could bring someone closer.
- It is the best entertainment when drinking.
If a person gets mean when they're drunk, maybe instead, one should attend and even participate in a roast battle. They help focus one's anger on a productive outlet. Even if you are a happy drunk, it is a cathartic time for most.
By Rachel Rowan


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Mat Applications for a Variety of Needs
Matting is an incredibly versatile tool used in a variety of industries. And with a host of material and size configurations, you have the ability to customize your matting to nearly every application. It can be confusing however, when you're just getting started. How do you know if you need a mat, and if you do, how do you know your choosing the right one? At Industrial Matting, our mat applications break out into four rough categories.
Bridge Spans
Do you need a temporary bridge to span an impassable space? Industrial Matting offers engineered bridge kits that will allow you to move your equipment to its designated work area. These kits can also be customized based on the size of the span and the weight of the crossing equipment.
Stable Work Surfaces
Is your job site located on sand or ground that won't support heavy machinery? Emtek, Composite, or Steel Rig mats can be used to create an artificial work surface capable of safely supporting your workers and your equipment.
Maybe you don't need an entire work surface stabilized but instead just need specific support for crane outriggers or pipelines. Industrial Matting can supply smaller Outrigger Pads that provide a stable crane base or hard and softwood skids for pipeline applications.
Sometimes jobs take you into areas with sensitive environmental concerns or pristine areas you don't want to ruin with heavy equipment. We offer matting solutions that allow you to protect the ground while you complete your job.
Contact Us Today
If you any of these mat applications sound familiar, you should contact Industrial Matting today. Our matting experts will learn all they can about your job, budget, and requirements and create a matting solution that perfectly fits your needs. We also offer a comprehensive used mat and mat buyback program so your options extend even further. Give us a call at (888) 543-MATS or send us an email and we'll get to work.


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I've always wanted to try a shirt dress as a regular in my wardrobe and I feel like I could pull this look (Katherine Heigl's-seen below) off comfortably, and it helps that the whole outfit costs only $112.
I've always wanted to try a shirt dress as a regular in my wardrobe and I feel like I could pull this look (Katherine Heigl's-seen below) off comfortably, and it helps that the whole outfit costs only $112.
Ok. I may be exaggerating a little bit, but www.hillbillyhousewife.comis one of the best sites I have found yet that deals with feeding a family on a budget and how to's on how to make your own pretty much anything, and for those like me, that imagine themselves in a Laura Ingalls Wilder book making everything from scratch, this site is for you!
I have tried to make my own bread from scratch, which turned out well, and even my own "soy yogurt", which didn't turn out, but it was worth the experience for me to know I'm not quite ready for Ms. Wilder's books yet.
Also, for anyone who needs easy recipes to feed a family or even two people, and ideas on how to stretch a dollar, this is the site for you. I still find new things I want to try on it, as it is extremely comprehensive.
Definitely check it out. I hope you can find at least one thing of use to you, as I think sites like this one are only going to become more necessary with the economy the way it is and the dollar not stretching as far as it used to. Let me know what you think!
Another outfit I created on Shopstyle.com. Can you tell I'm ready for Spring? And the best part is that the whole outfit only costs $85!
I just recently fell in love with high top Converse Chucks. I have no idea how this got started, other than maybe my newfound appreciation for comfortable "play" shoes that don't look as casual or "workoutish" as running shoes thanks to my toddler.
I never liked Converse in High School and now that I'm 26 I'm worried that maybe I'm too old for them. Regardless, I guess I can still enjoy myself and imagine the kind I would like to have on www.converse.com and even design my own.
I have been designing my dream pair, only to realize that my dream pair design is a bit tame for the "design your own" category. I would love to see what you all design, so please email me your favorite designs at email@example.com
I just discovered this incredibly useful and easy to use site designed to notify you if you need to bring an umbrella with you as you leave your house. I don't know about you, but I despise being caught in the rain with no umbrella, especially on warmer days when I don't have the option of a coat either. The site is www.umbrellatoday.com. Check it out!
This is an outfit I created using http://www.Shopstyle.com. I'm completely obsessed with messenger bags and skinny jeans tucked into tall boots right now. The outfit costs $155 total, and all of the pieces can be purchased on Shopstyle.
Another site I have been using quite a lot lately, and quite successfully, is www.SwapTree.com.
On this site, one can trade their old books, dvds, cds, and video games. It is extremely easy to use and set up an account, which is free as well. Also, the site is run in the most professional manner and I have had nothing but positive experiences. I am enjoying trading some of my stuff I have laying around, and even more I'm enjoying not having to buy the new stuff.
The only thing you have to pay for is shipping, however, you can set up a credit card on your account and print shipping labels straight from your computer and not have to deal with the post office hassle, or you can just pay yourself at the post office. I have found that when you print shipping labels from the site, whatever your shipping reaches its recipient much faster than shipping the regular way.
I am a strong supporter or recycling your used goods and it is really fun to do so on this site and find movies or games that you've been wanting to experience without having to pay anything for them. So, let me know what you think about the site (feel free to ask questions) and hopefully you can find some cool stuff too!


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What Makes Tonerlot Unique?
Basically, we are ink experts. We have the selection, prices, quality, shipping and customer service that you need from your ink and paper supplier.
We have a huge selection
tonerlot has a large selection of printer ink cartridges, fax ink cartridges, laser and fax toners, and all kinds of printer paper – including photo paper. You really can get everything you need for your home or office printer in one location.
Whether you want Original Equipment Manufacturer (OEM) ink cartridges or you need replacement cartridges, we have ink and laser toner cartridges for brands including HP, Epson, Canon, Brother, Samsung, Dell, and Lexmark.
Genuine and Compatible Cheap Printer Ink & Toner Cartridges
Toner cartridges are printer consumables for laser printers, and exist in black (mono) or color, which come as cyan, magenta and yellow. When first started out, laser printers were very expensive and only a smaller fraction of offices could afford them. As time went on, printer manufacturers such as HP or Brother came up with printers more affordable to businesses and also to home users. Despite printer US costs reducing, consumers are still faced with the problem of saving on ink toner cartridges. This is where we and our inkjet printer ink comes in.
Tonerlot.com is all about saving you money on your toner ink cartridges in the US, whilst being environmentally friendly. Recycling is good for our planet, and good for saving money too. Our products are the cheaper alternative to the originals, whilst maintaining the same quality standard. Our ink toners range is very wide, and we support compatible printer ink for many famous brands such as HP Toner, Brother Toner, Samsung Toner, Dell Toner, Canon Toner, sharp Toner, Lexmark Toner and many more.
You should be careful when purchasing a remanufactured, compatible or recycled products, as quality grades may vary significantly. As a rule of thumb, if something is too good to be true (or too cheap to be true), then it probably is. Remanufacturing a printer cartridge can be very costly if done properly and to high standards. Our factory uses high tech precision equipment and a highly trained workforce. At the end of the day, if we offer you good quality printer consumables for cheap and at great discount and saving, its a good start. We understand that some customers still prefer to buy genuine original printer cartridges, and we are proud to present you a product range of over 2,000 models of cheap original ink cartridges at a great discount. Genuine HP Toner Cartridges are currently at reduced prices and offer a big saving. Printer Ink are a consumable product that comes with a big expense. Therefore shop wise - shop at our site for Printers Ink.
Ink Cartridges & Printer ink Cartridges
Ink cartridges, also known as InkJet Cartridges, are printing consumables for Ink-Jet Printers. Contrary to laser printers, these are more designed for affordable small office or home printing. Printers are cheap, and consumables are cheaper too, but don't last as long. Printing speeds are much slower than laser printers, and page yields are much less too, usually raning between 200 to 400 pages per set of inks. InkJet printers have existed for many years, but are slowly being replaced by laser printers.
On our website you can find high quality ink cartridges and printer cartridges at great discounts. All toners and cartridges are remanufactured, which means they are recycled. The technical term is remanufactured, and this is not to be confused, as on our website we refer to them as compatible replacement ink cartridges or compatible replacement toner cartridge. The reason we use the word Replacement or compatible instead of remanufactured or refurbished is because statistics published by Google suggest that majority of people use the term compatible or replacement.
We stock our products in 3 warehouses throughout the US California, New Jersey and Florida. for the famous brands, being HP, Brother, Dell, Samsung, Lexmark, Sharp, Xerox, Epson, OKi, etc. Prices are extremely attractive, and big discounts are available on bundles. We usually ship all orders same day and we send e-mail with tracking number the day your order ships.
We would like to thank you for visiting Tonerlot.com and hope you will have a positive experience.
|Written by Jaime Conde
|Thursday, January 24 2013 13:40
What is a toner refill?
A toner refill allows you to refill and reuse your empty toner cartridge.
Typically includes a bottle of compatible toner, reset chip (where required) and instructions - showing you how to refill.
Why would i want to refill?
What is a compatible cartridge?
A compatible cartridge refers to a cartridge that is not manufactured by the original manufacturer of your printer (called an OEM cartridge), but will function and work in the same way that an OEM cartridge would.
Why would I want to buy a compatible cartridge?
Compatible cartridges are popular with consumers because of the lower cost to purchase, compared to an original cartridge.
What is an original cartridge / drum unit?
An original is a cartridge or drum unit manufactured by the original manufacturer of the printer. Also known as OEM.
More expensive than compatibles or refills, but still popular.
|Last Updated on Thursday, January 24 2013 14:21


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Do you think you can bring something special to M&D? Have an eye for high quality craftsmanship? Have a passion for making stuff? Or have any experience in the following?;
- MIG/TIG Welding
- Carpentry/cabinet Making
- Online Marketing/Video Production
- Upholstery
- Fabrication/manufacturing
- Sales
If you feel like you should be part of the team, send us some details and a CV over to firstname.lastname@example.com and we will get back to you as soon as we can.
psst..you can start by following us.


text:
29 March 2018
TAKE FORTY THREE e
6 comments:
LOL YAM-Aunty are the woods to which your reference the woods of winter? If so, fingers crossed we are. Yesterday our high was 44, today it is 74 here and 80 predicted for tomorrow. This weekend cool again.ReplyDelete
But hopefully no more freezing precip.
Hugs HiC
I think I am out of the woods, and as far as I know not in hot water nor skating on thin ice. Phew!ReplyDelete
Well, we are still putting the Paw Plunger to good use, so we guess we aren't out of the woods yet:)ReplyDelete
Love this photo.
Woos - Lightning, Misty, and Timber
Lovely digital creation ~ your 'are we are out of wood yet' is some what like 'are we having fun yet?'ReplyDelete
Happy Days to you,
A ShutterBug Explores,
aka (A Creative Harbor)
Hello, I love being in the woods. It is peaceful there. Love this image. Happy Thursday, enjoy your day!ReplyDelete
Spooooooky :-). I sure do love Thursdays!ReplyDelete


text:
Here is something we would like to share with you! Documentary brings you early years of the NYC underground DJ/dance club culture, pioneered largely by gay, black & hispanic men. Basically a tribute to Larry Levan, David Mancuso, Frankie Knuckles, Nicky Siano, Tony Humphries. Featuring the The Loft, Paradise Garage. Displaying a more personal and candid approach, Maestro shows the true history of people through a realistic creative aesthetic. Tracing the underground's dance origin, Maestro imparts a real understanding of this intense lifestyle, and the lives that were lived and died for. Not merely nostalgia, Maestro is a mirror of the music and experiences it chronicles. We found the whole movie in 9 party on youtube and you can check it directly in this post. There is also list of tracks from soundtrack. So if you are true fan of house music, you're gonna love this! Enjoy!
Maestro Soundtrack CD Track Listing:
"Burning Love Breakdown" Peter Brown
"Life is Something Special" NYC Peach Boys
"Melting Pot" Booker T & The MGs
"Can You Feel It" Mr. Fingers
"Spank" Jimmy Bo Horne
"Disco Circus" Martin Circus
"Oasis" Aaron Carl
"Let Me Love You" DJ Rasoul
"Way" Jepthè Guillaume and Astrid Suryanto
"My Peace of Heaven" Ten City
"Bang Bang You're Mine" Bang the Party
"Let`s Love Dance Tonight" Gary's Gang


text:
- Metro4Rent_WilliamAsked on May 18, 2017 at 07:26 PM
This is tedious the way I'm doing it.
For every question on my form, I have to:
- Click on the question
- Click on "Advanced"
- Click on "Field Details"
- Edit the "Unique Name" field
Is there a better way?
- Can I have it so I automatically see the Advanced Tab and the "Field Details" button doesn't exist - the details just shows ... not sure why there's an extra click to make this happen.
Ideally - I'd love to download a table with all the form questions and each of the attributes of the questions in its own column.
Then I could mass update/change the form and then upload it back to you (but I know this presents a lot of risks)
At least if the edit process were less tedious.
Thoughts / Ideas?
Thank you
- JotForm SupportEltonCrisAnswered on May 18, 2017 at 10:58 PM
I agree to that. That seems a nice addition. But to simplify it more, it would be good if there's a separate window containing the list of all the field names where you can update them there all at once. This would make it so much easier :)
This is what I have in mind:
I have now raised this to our developers as a feature request. Unfortunately, I could not give you any time frame for implementation but once this is added, you will surely be informed here.


text:
Monday, December 31, 2007
Hahn Family
Yet another family featured by the San Francisco Chronicle. I'm not sure if we're supposed to feel sorry for these people. After you read the stories you invariably say, "What?", "Huh", "Nobody is that stupid." There were many comments at the Chronicle in response to this story, but I stopped after the second one. Here it is:
sfbaylover wrote:
Let me get this straight... Two grown adults can make the largest - most important purchase of their lives which is a home. You purchase a home that you clearly COULD not afford at 100% financing. But that was not enough - as you compound the sutation with a line of equity for a business loan. Did you even take a moment to do the math OR READ YOUR LOAN PAPERS? You must have - right? You signed and had your paperwork notorized, right? and now that you have lost your house and have almost $20K in credit card bills, you move into a $2,700 a month RENTAL. You clearly have not learned a SINGLE lesson. WHY not move into an AFFORDABLE rental, in a city that you can afford. YOU ARE NOT ENTITLED, YOU ARE supposed to be RESPONSIBLE. You are a VICTIM of your own actions, and clearly you are still making the wrong decisions. Leave California and live in a place that can offer you an affordable standard of living. NO MORE EXCUSES- grow UP !
2007-12-31: MORTGAGE MELTDOWN: The Hahn family
Jeffrey Hahn, 31, car-parts importer; Vanessa Hahn, 24, gymnastics coach, and Jonah, 2
House: Four-bedroom, Fairfield, purchased in 2004 for $495,000; after home-equity loan and cash-out refinancing, the total owed was $570,000.
Then: In July the Hahns were several months behind on payments and had the house on the market for $555,000. They were in the process of moving to Los Angeles where Jeff Hahn had a job offer.
Now: No buyers expressed interest even after several drops in the asking price. No payments were made on the mortgage. House was sold at a foreclosure auction Dec. 17, reverting to the lender for $474,750.
"The number of hate comments we got just floored me," Jeff Hahn said. "This wasn't something we chose to have happen to us. I just don't get how these people can judge me like this and think we completely took advantage of the system. The system took advantage of us. We're the ones losing our house; we won't be able to rebound from this."
Note to Jeff: You never HAD the house.
($570,000/$60,000) = 9.5 ! ! ! Borrowed 9.5x their yearly gross. Wow!
1040 Hickory Ave
Fairfield, CA 94533
Sale History:
10/29/2004: $525,000
Given their ages this doesn't surprise me. I encounter many 20-dumbthings and early 30-dumbthings that possess an overwhelming sense of entitlement. I believe it is from upbringing by baby boomer jackasses. There's a good dialogue about this story at Ben's Blog.
Johnnie Pitts
Johnnie is right about one thing: miss a house payment or tax bill and you'll find out who really owns your house. Sadly, he was wrong on just about everything else:
- Wrong to pay $460,000 for a shit-hole in Oakland
- Wrong to re-negotiate his loan terms
- Wrong to continue paying for a house that is probably worth less than $200,000
- Wrong to think that "When it comes to renting, it's just cash in the trash"
He has truly become a slave to this house, and it will sting twice as much when he finally walks away. You've heard the saying, "You'll be priced out forever." Well, I'm coining the new phrase for 2008: If you borrowed for a house over the last few years,...
"If you think your house is all yours, just miss a payment or property tax bill, and you'll find out who it really belongs to," he said. "We're not homeowners; we're renting from the banks and investors."
Does Pitt really want to continue working six days a week to keep a house that is now valued at about $330,000 - $100,000 less than he paid for it? He insists that he does.
"When it comes to renting, it's just cash in the trash," he said. "You can't win no way when you're renting, especially if you're single and in the 35 percent tax bracket. Owning a house is the best thing you can do for yourself. It's worth it to have some stability."
6223 MacArthur Blvd
Oakland, CA 94605
Sale History:
08/23/2005: $460,000
11/01/2000: $60,000
04/01/1998: $115,000
Wright Andrews, Lisa Andrews
Lobbying and campaign contributions run amock! Perhaps the authorities will begin taking a serious look at Ameriquest's tactics. Where is Ameriquest, today?
"ameriquestmortgage.com expired on 12/09/2007 and is pending renewal or deletion"
2005-01-27: Penalizing homeowners
...headlining the "Ameriquest Mortgage Super Bowl XXXIX Halftime Show" at Alltel Stadium. Ameriquest reportedly paid $15 million to snag the world's most prestigious advertising slot,...
Sponsoring the Super Bowl halftime show is part of what Ameriquest vice chairman Adam Bass has called "our long-term vision . . . to become the lifelong mortgage company of every homeowner in America."
Andrews hopes the new Congress will pass a law that replaces all state and local anti–predatory-lending laws with a federal standard. In Congress, Ohio Republican Robert Ney and Pennsylvania Democrat Paul Kanjorski are working on just such a proposal, says Kanjorski.
Andrews says he doesn't represent Ameriquest and professes having "no idea what their practices are." Nonetheless, they seem likely to be allies. Andrews' wife, Lisa Andrews, is Ameriquest's senior vice president for government affairs, and Ameriquest is an increasingly heavy hitter in Washington.
Ameriquest Mortgage Co., until recently one of the nation's largest subprime lenders, was at the center of those battles. Working with a husband-and-wife team of Washington lobbyists, it handed out more than $20 million in political donations and played a big role in persuading legislators in New Jersey and Georgia to relax tough new laws. Those victories, in turn, helped blunt efforts by other states to crack down on reckless lending, critics of the industry contend.
Washington lobbyist Wright Andrews and his wife, Lisa, coordinated much of the industry's lobbying. Mr. Andrews's firm, Butera & Andrews, collected at least $4 million in fees from the subprime industry from 2002 through 2006, congressional lobbying reports indicate. Mr. Andrews didn't represent Ameriquest directly. He ran three different subprime-industry trade groups: the National Home Equity Mortgage Association, of which Ameriquest was a member; the Coalition for Fair and Affordable Lending, which spent $6.3 million lobbying against state laws before it dissolved earlier this year, according to federal filings; and the Responsible Mortgage Lending Coalition.
In 2003, Lisa Andrews was appointed senior vice president for government affairs at Ameriquest. Her public-relations firm, Washington Communications Group Inc., claims credit on its Web site for coordinating the industry's victory in New Jersey, as well as its overall strategy at the state level. Ms. Andrews left Ameriquest in 2005 and returned to her firm..
Revolving Door Information:
Andrews, Lisa S, Career Client List, 1998 - 2006 : AMERIQUEST CAPITAL
Andrews, Wright, Butera and Andrews
Sunday, December 30, 2007
Mike Norman
Michael gets inducted based on these two things. 1) His embarrassing appearance on Fox News with Peter Schiff, 2) His ignorant hyping of no-interest loans.
Famous last words from the video, dated Dec 31, 2006:
"I have no idea what Peter Schiff is talking about."
"I agree with Tom (Adkins). I think they're (home prices) going up about 10%."
"What artificial lending standard are you talking about?" LOL
Here is his take on no-money-down housing:
Question: What is your opinion on no-money-down housing developments, like those going up in the Poconos? — Scott (Fair Lawn, NJ)
Mike Norman: Scott, I think no money down is great. It's one of the ways that Americans are benefiting from trends like globalization and the rising use of technology. By lowering capital costs we have access to more credit and that helps the real estate market. As long as we don't enact policy that harms these macro trends, then there is little risk in these highly leveraged loans. As for the Pocono developments themselves, they may have run up too far too fast just as most other properties have, but long-term they're fine.
Mike's Website:
Sonny Shrivastava
Sonny made the rounds on the blogs, recently. He wrote a letter to the Arizona Republic back in 2006 refuting the existence of a Housing Bubble while posing as a Buyer. What he neglected to mention is that he is also a realtor, and that he was playing the flipping game.
RE/MAX Achievers
- Ignorance still reigns in Phoenix: No housing "bubble" bursting in Valley
- Here's a letter to the editor from last May, saying there was no housing bubble in Phoenix. Didn't quite turn out that way, eh?
- If Only I Listened to the Inventory... In Buckeye, Arizona
Checking his listings, it's not hard to find poor pricing. Here is one:
12716 W Voltaire Ave El Mirage AZ 85335
Price: $210,000
Sale History
06/27/2005: $200,000
02/26/2003: $120,000
11/28/2000: $108,510
When we hit the bottom, this home won't be valued more than $120,000 and could very easily end up back at $108,000, which is probably the more likely outcome.
Wednesday, December 26, 2007
Alan Greenspan
Under Alan Greenspan's chairmanship, the Federal Reserve lowered the federal funds rate to a half-century low of 1% in 2003 and 2004 to ward off the threat of deflation: falling prices, falling incomes, defaults, etc. Lowering the funds rate to 1% was like opening a fire hydrant--money came gushing out. A huge amount of it gushed straight into the housing market. Armed with generous mortgage commitments, homebuyers fought over properties in bidding wars that sent prices to the stratosphere. They took on lots of debt and overpaid. When Greenspan & Co. eventually realized that rates were too low, they started raising them. The housing market eventually succumbed to the higher cost of borrowing and the sheer unaffordability of homes. Plausible Suspect in the Housing Bubble
Guilty, as charged:
Greenspan alert on US house prices:
US house prices are likely to fall significantly from their present levels, Alan Greenspan has told the Financial Times, admitting that there was a bubble in the US housing market.
In an interview ahead of the release on Monday of his widely-anticipated memoirs, the former chairman of the Federal Reserve said the decline in house prices "is going to be larger than most people expect".
2007-12-18: Fed Shrugged as Subprime Crisis Spread
2006-11-07: Greenspan Unconcerned About Housing
Tuesday, December 25, 2007
Greg Lippman
Aka 'Shittman'
It took all sorts of individuals and corporations to create the housing bubble. Here is what seems to be a 'Number 1 Asshole' in creating the 'Financial Engineering' behind the debacle. As he puts it, "subprime problems are what they are". Yes, they are a piece of shit that you helped serve up. Bravo, shithead!
2007-12-17: Subprime Securities Market Began as `Group of 5'
Lippman disputes that the derivatives the group of five helped create -- which banks packaged into CDOs -- caused the subprime crisis. "The problems in subprime are what they are and derivatives did not cause them,'' Lippmann says. "Derivatives enabled more CDOs to be created and the stakes to be bigger. But the transparency made people realize the problem faster.''
2002-12-15: Lippman Wedding (interesting backgrounds in his family)
Her father is the research director for Integra Realty Resources of Southwest Florida, real estate developers in Naples. Her mother retired as a financial consultant in Fort Worth. His father, now retired, owned the DBL Operating Corporation, a former real estate investment and management business in New York.
This is the first part in a five-part story on how Wall Street transmitted southern California's go-go mortgage lending practices and the inflated U.S. real estate market into a global financial crisis.
Part 1: Over take-out food, traders set Wall St.'s subprime debacle in motion
Representatives of five of Wall Street's dominant investment banks gathered around a blonde wood conference table on a February night almost three years ago. Their talks over take-out Chinese food led to the perfect formula for a U.S. housing collapse.
The host was Greg Lippmann, then 36, a fast-talking Deutsche Bank AG trader who aspired to make mortgage securities as big a cash cow for Wall Street as the $12 trillion corporate credit market.
- Rajiv Kamilla, a trader at Goldman Sachs Group
- Todd Kushman, who led a contingent from Bear Stearns
Deutsche Bank continues CDO Expansion
New York, April 5, 2005
Deutsche Bank Securities Inc. announced today that Richard Rizzo will join the Firm's Collateralized Debt Obligations (CDO) Group within the Global Markets Division next month.
"Our ability to enhance and increase trading in the secondary market is a vital part of our CDO business. "
Deutsche Bank appoints Greg Lippmann Global Head of ABS Trading & Syndicate and CDO Trading
New York / London, June 12, 2006
Deutsche Bank today announced the appointment of Greg Lippmann as Global Head of Asset-Backed Securities (ABS) Trading and Syndicate. Deutsche Bank today announced the appointment of Greg Lippmann as Global Head of Asset-Backed Securities (ABS) Trading and Syndicate. Lippman is based in New York and reports to Richard d'Albert, Managing Director and Head of the Securitized Products Group (SPG).
Lippmann joined SPG in March 2000 and has been instrumental in developing Deutsche Bank's ABS and Collaterized Debt Obligation (CDO) platforms.
"Greg has been instrumental in building-out our securitization trading and syndicate capabilities in the U.S. and globally over the last six years. He is highly regarded in the industry and has become a pioneer in developing new products and trading platforms for the market," said d'Albert. "With these appointments, we are positioned to build upon past success and further enhance the strength of our SPG platform."
Merry Christmas
Monday, December 24, 2007
Bernice L. Ross
First, what the hell is a 'Real Estate Coach'? The truth really hurts these people, and sites like Housing Panic are purveyors of it. Notice how the reference to Housing Panic is biased. It's not simply called 'Housing Panic', it was called 'fear mongering HousingPanic'. LOL These people are afraid.
(FYI: I'm the CEO of Housing Bubble Hall of Shame®)
An Interview With Bernice Ross, Real Estate Coach:
JIM: ... Do you feel that Realtors are at any risk of disintermediation?
BERNICE: Nope, Absolutely, positively, no way. The reason is that all of these new business models make the same mistake… They think that the website is a substitute for human connection. Look at all the activity on social networking sites. People want to be connected.
JIM: The most visited real estate blog to date is the fear mongering HousingPanic, which only focuses on the glass being half empty for the national real estate market. What's your take on all this housing bubble talk, and what affect (if any) do blogs like HousingPanic have on the current market? And the whole idea, that if it bleeds it leads - is there some sort of self fulfilling prophesy going on here that is having any kind of effect on the market?
BERNICE: Sites like Housing Panic are driving traffic based on fear. It's too bad, but sex and bad news are what sells. The ironic thing is that if you are interested in the market and are buying, you want a bad market. The message I have for Realtors and your audience, is that if you are thinking of "moving up," you want a bad market. That's in your favor. You don't want to be moving up in a sellers' market. If you sell your current home for 30% less of its former value, but are able to move up to a home worth much more, and acquire it at a 30% discounted value, the swing is in your favor. Let's say you sell your home that you paid $300,000 for. Assume you sell it for $240,000, and move into a home that used to be worth $400,000 , but is now worth $320,000. You have just turned a $60,000 down turn into a $20,000 upswing. Your mortgage payment and taxes will be less all the way through your ownership too.
Again, what the hell is a 'Real Estate Coach'??? But I'm sure Bernice knows all about the use of sex to sell real estate. Read on...
Playing the Sex Card in Real Estate Ads
In one print ad, a woman straddles a shirtless man on a bed next to the words "try this at home" -- home being the new Herald Towers condominiums in midtown Manhattan.
...So now developers are using sex to sell real estate.
Real Estate Transparency: Real Estate Agent Fired for Sexy Slideshow
The Great Debate - Sex and Real estate
Donna Bushno
Sellers still have extremely unrealistic expectations about the value of their homes--as if it's some sort of entitlement because they are "home owners". Mrs. Bushno has a lot to learn about the Housing Bubble. She would do well to read Housing Panic. In the absense of 'free money', people need to be able to afford their homes. Just ask the Oropezas or Coffmans about 'free money'.
Unsuccessful home sellers trying their hands at sales
Donna Bushno doesn't have to sell her Ventura home, but after 35 years she wants to downsize. "It's time to move on," she said.
She and her husband put their three-bedroom, two-bathroom house on the market in July for about $569,000. After 30 days, they cut the asking price to $549,500. After five months and no bids, they dropped their Realtor and are now trying to sell the house themselves.
"It's taking sellers awhile to understand the new reality," he said. (Yes it is.)
Here is where the Bushnos live. Can you believe the 'Owner's Estimate' at Zillow?
1800 Savannah Ave
Ventura, CA 93004-3113
3 beds, 2.0 baths, 1,438 sq ft
For Sale: $549,900
Owner's Estimate: $628,320 LOL
ZESTIMATE®: $443,006 12-18-2007 They better hurry!!
Tyrone-Est®: $275-300K
Ventura County Assessment: $53,912
1754 Potomac Ave Ventura, CA sold on 4-18-2007. More sqft for much less.
3 beds, 2.0 baths, 1,603 sq ft
Recently Sold: $469,000
Friday, December 21, 2007
Jason Grandon
Jason's solution to the high--AND GROWING--inventory, which is a simple response to the bursting bubble. Realtors are desperate will do anything to get their sales back. They had their day in the sun, but now it's time to pay the consequences. He needs to accept the fact that realtors are also to blame.
How to help the real-estate market
Dec. 20, 2007 12:00 AM
Here is a moderate solution to the real-estate market:
There are more than 58,000 homes on the market. If each and every person who does not need to sell his or her home, or can wait to sell, takes his or her home off the market, the market will correct very quickly.
What we would see is all the homes that the banks have had to take back or the short-sale homes. After a few months, we would have a strong housing market. In fact, if many Realtors would educate their sellers about this, everyone would be happy.
Sellers would get closer to their asking price, buyers would feel more confident when making a decision to purchase, and Realtors would not be throwing their hard-earned money out the window to market a property that will not sell.
I honestly believe that the greed of the banks and mortgage companies are to blame for a majority of this mess. We are helping them out. But in order to keep happy customers and create a strong housing market, we all must work together.
If you are planning to sell your home in this market, think again. Waiting just a little longer could mean extra money in your pocket. - Jason Grandon, Scottsdale
From his website:
"...your housing payments cannot exceed 28 percent of your gross income and that your total debt cannot exceed 36 percent of your gross income."
I wonder how many times he enforced this rule during the housing run-up.
Tuesday, December 18, 2007
Zak Ahmadzada, Khalid Mirza, et al
Zak Ahmadzada, a mortgage broker with American Affordable Homes in McLean, and Khalid Mirza, a real estate agent with Re/Max Champions in McLean, were involved in many of the transactions.
Land records show that Ahmadzada bought three townhouses in the Villages at Rippon Landing in 2006 and 2007 for prices ranging from $418,550 to $439,615. He sold two of them months later for $570,000 and a third for $585,000. Some investors said Ahmadzada arranged for buyers' loans for several townhouses at the higher prices, with no down payments and 100 percent financing.
Mirza is listed as the agent for several of the homes that were purchased at the lower prices in Rippon Landing, according to Metropolitan Regional Information Systems, a database of homes for sale in the area. MRIS records do not show who the agent was for the subsequent sales at the higher prices. Web sites and ownership records show that Re/Max Champions and American Affordable Homes are in the same building and have the same chief executive, Azim Feda.
Karenn and Steve Oropeza
This is truly a disgusting case of robbery through home refinancing.
Mortgage-Relief PlanDivides Neighbors
The case of Karenn and Steve Oropeza from down the street shows how Inland Empire buyers complicated their lives by overextending themselves.
The Oropezas arrived at Calle Canon Road in 2004. Public records show they paid $557,000 for a four-bedroom house and took out a $500,000 mortgage. Her husband is an area manager for an auto-parts retailer and she is a purchasing manager for a firm that sells dietary supplements.
As property values skyrocketed, they refinanced three times, most recently in late 2006, for $835,000, Mr. Oropeza says.
The couple say they used some of the money they pulled out of the house for home improvement, such as a backyard waterfall. But Mr. Oropeza says the bulk was used to pay off credit-card arrears. "We were in a vicious cycle of refinancing our home to get out of debt," he says. "We banked on selling the house, but that's where we failed."
The couple listed the house several times, even before the final refinancing, which raised their monthly payments to about $6,300. Earlier this year, they were asking $839,000 for the house. But it just sat. Elsie Cambone, the Coldwell Banker agent who had the listing, says prospective buyers were put off by the vacant home next door.
Meanwhile, Mr. Oropeza expected to be transferred to Texas, so the couple began house hunting there in 2006. In June, they bought a 3,600-square-foot home for $283,000 in the Houston suburb of Katy, Mrs. Oropeza says. "It was easy. We had good credit. The deal was done in seven days."
In the run-up to their move, she says, the couple lived off credit cards to "make sure we had cash for the house payments" in Corona. They packed up in June, and then took their 9-year-old son and 2-year-old daughter on a long-planned Caribbean vacation. They returned to Calle Canon Road, "got in our cars and drove to Texas," Mrs. Oropeza says.
Mrs. Oropeza says that she and her husband recently bought a Lexus and a Chevrolet Suburban with no money down. She denies that the family intended to abandon the house. The choice was straightforward, she says: "It was easier to keep the house in Texas than the one in California."
The couple stopped making their Corona mortgage payments in June, triggering a notice of default 90 days later and starting the countdown to foreclosure. The family is now living in Texas. But Mr. Oropeza says he no longer expects a transfer, so every other week, sometimes more often, he says he flies west to make his usual rounds of retail locations in the Inland Empire. Mrs. Oropeza says she travels to Orange County every three weeks for her job.
"We're sad because there goes our credit, and because people think we are a bunch of flakes who walked away from the house and tried to make money," Mrs. Oropeza says. The property's for-sale listing has expired. "We have zero expectation that we can sell this house," she says. After the government-brokered mortgage plan was announced, Mr. Oropeza says he called the toll-free helpline and left a message, though he doubts he will qualify to get his Corona house back.
WSJ Blog: Fleeing Foreclosure in a Lexus
L.A. Blog: A vacation, a new Lexus... and then, default
Wall Street Examiner
Lets be clear:
- the Oropeza's are FLAKES
- they tried to make money off their home
- they walked away
- the job transfer was a farce; Texas has homestead laws; they were fleeing
Riddle me this: is it easier to live where your job is located, or commute 1500 miles?
I hope Steve's employer finds out and cans his sorry ass.
Corona house:
8733 Calle Canon Rd, Corona, CA
Here is where they live in Texas:
Karenn Oropeza
1414 Baldridge Ln
Katy, TX 77494-4713
(281) 392-7575
Daniel Sadek
Quick Loan wrote $3.8 billion in mortgages, lending money fast – and often on onerous terms – to people with shaky credit. "I've sold all my cars to keep the company going," says Sadek, 38. "Every property I own is mortgaged to the max." Quick Loan has been accused of predatory lending, deceptive underwriting and fraud in at least eight lawsuits.
High roller of home loans
2007-12-18: Deal with the Devil
Dec. 18 (Bloomberg) -- One week in 2002, Daniel Sadek was $6,000 short of covering the payroll for his new subprime mortgage company, Quick Loan Funding Corp. So he flew to Las Vegas and put a $5,000 chip on the blackjack table.
"If we had a prime borrower on the line, we hung up on them,'' Buksoontorn says. "We were geared toward subprime because they were easier to close. We were giving them money no other bank would dare to give them.''
Sunday, December 16, 2007
Mario Tellez and Maria De La Vega
The average person should not speculate in real estate. This couple received some bad advice, but they got caught up in the bubble insanity, thinking it was an easy ticket to riches. That's Mario and Maria at the auction of one of "their" homes (red box). Why would they bother attending the auction? Strange. I would like to know who their Realtard was.
Couple's finances crumble as real estate investments sour
Tellez is a school janitor and De La Vega is a cook at a retirement home. Together they earn about $5,000 a month. Yet, on paper, they look like big-time real estate investors. They own four houses in Livermore, not counting the one that was foreclosed upon at the auction. Adjustable mortgages on the properties are due to go much higher next year, and Tellez said he doesn't see how they will be able to keep up.
...a friend convinced them that they could put that money to work by investing in more properties.
At first, the investments worked out well. They bought two properties for about $450,000 each and rented them out. Those properties went up in value, too. "The Realtor said, 'You've got a lot of equity now, why not continue to do this?' " Tellez recalled. So they did, taking out more equity and buying two more investment properties until they had five total - one for each offspring, plus the family home.
Friday, December 14, 2007
Angelo Mozilo
Angie has cashed in millions worth of stock options while his company's stock continues to drop, and it faces liquidity problems. In 2006, he pocketed $72.2 million in stock options. It's only a matter of time for Countrywide.
Mozilo wins even if Countrywide profits plummet
Countrywide: Secondary Mortage Market Conditions 'unprecedented'
He's been compared to oompa-loompas, but I think someone is pulling a "Weekend at Bernie's". This guy is a corpse.
2007-12-14: Ill., Calif. investigating Countrywide
"We're looking at why people who appear to us to not be able to afford the loans they're in are in these loans and how Countrywide contributed to that," said Deborah Hagan, chief of the attorney general's consumer protection division, on Thursday.
Wednesday, December 12, 2007
Roland Arnall
Roland and Ameriquest fostered a corporate culture of corruption. Ameriquest is on its way down. They're eliminating staff, and it's probably just a matter of time before the company is gone. (It is now gone, of course.) Get used to that view, Roland!
Ameriquest in Shambles
Video demanding justice be brought to Roland Arnall
ABC Story: Ameriquest Investigation
Here's some news stories on Ameriquest.
Mortgage fix eluded lawmakers in 2001
By John Hill, December 12, 2007
The state of California had a chance to curb lending practices that would later contribute to a crisis in subprime mortgages when it set out in 2001 to regulate so-called "predatory" loans.
Ameriquest didn't limit its giving to campaign cash. It paid $72,000 for Assembly Democrats to attend a fundraiser in Hawaii during the Pro Bowl in 2005, including gifts, airfare, lodging at Hilton Hawaiian Village and meals – even $170 for cookies.
Ameriquest CA Contributions
Monday, December 10, 2007
John and Grayce Coffman
How can you take $600K out of your home in your 60s, spend it all, and have nothing to show for it? This money is probably sitting somewhere safely waiting for them. Leave it to the OC Register to save this "poor" family. This couple cashed out big-time! But this is also a great example of how easy it was for ANYBODY to get cash without having ANY ability to pay it back--they were RETIRED for god's sake!!
Tapped-out family's home is at risk
"John and Grayce Coffman could lose the Fullerton home they bought in 1977 because they can't keep up with their mortgage's rising costs. The Coffmans, who are unemployed and in their 60s, borrowed $552,300 from Countrywide Financial, the largest U.S. home lender, in the summer of 2005. Despite making about $50,000 in payments since then, they now owe more than $590,000 to Countrywide."
"The Coffmans admit responsibility for getting deep into debt. They bought their two-story home for $97,000 in 1977 and have since extracted all the equity gain in it. They've cashed out $600,000 in home equity with the help of several lenders."
But Grayce, where did the money go?????
"'I can't tell you,' Grayce Coffman said. 'We just made some really bad decisions.'"
Saturday, December 8, 2007
Dr. James F. Smith
- bank/banking HAHAHA
- bankruptcy HAHAHA
- consumer behavior HAHAHA
- economics: econometrics
- Federal Reserve HAHAHA
- finance
- international: economics
- international: trade
- retailing
Friday, December 7, 2007
Robert Toll
I'm sorry, Bob, did you say something? When will I be kicking myself? 2015? 2020? ...
Let the good times roll, Bob!
Monday, December 3, 2007
Hillary Clinton
NEW YORK (CNNMoney.com) -- Presidential candidate Hillary Clinton is expected to call for a 90-day ban on foreclosures and a five-year freeze on adjustable mortgage rates Monday, according to The Wall Street Journal.
Video from Louminatti: Wicked Witch of Washington
Thursday, November 29, 2007
Maria Fulchini
More than 100 years ago, Sinclair said, ''It is difficult to get a man to understand something when his salary depends upon his not understanding it.'
Are we nearing end of housing slump?
"I can say that now is a very good time to buy. Even if prices do drop a bit more, interest rates may be going up," said Maria Fulchini, president of the Realtors Association of Indian River County. "A buyer is better off buying at these lower interest rates. There is incredible inventory and Vero is still a wonderful place to live."
Friday, November 16, 2007
Roy 'realrant' Merlino
"Time to go shopping!" WTF! Dude, everything not only sucks, it's 30-50% overpriced. It will take years to purge this poison. And how many realtards complained about the "over-hyped positive news" during the loose lending, global ponzi run-up? Sacramento realtors need to STFU. BTW, those "paniced" sellers need to get out because they are underwater on their loans.
Just like Warren Buffet says, "Look to buy when and where the news is all doom and gloom. That's where the deals are"(I'm paraphrasing). Guess what... these bear market cycles in the Sacramento zip codes; 95864, 95825, and 95608 almost NEVER last more that 3 years. This one started in Aug of '05. We're in year three right now. Everyone says they want to buy low and sell high. Well, buy when the predominant media and public sentiment says that everything sucks and, if you know how to find potential deals and negotiate, you'll be buying low. Thanks to the over-hyped negative news, there are a lot of paniced sellers out there with some equity who really need to get out. Time to go shopping!
Anyone who has even a cursory knowledge of current events can tell you that the news from the real estate and real estate finance markets is all gloom and doom. But, does this mean it's time to buy?
So I want everyone to remember that Tyrone says that the median price in 95864 needs to be $194,000 before anyone but a sucker would buy. Hey... do I get some kind of membership card or T-shirt for the Housing Bubble Hall of Shame? What are the criteria for induction?
Saturday, November 10, 2007
Marshall Whittey
It must be 'buyers week' for the Hall of Shame; here's another one. Marshall Whittey is your typical homeowner that used their home like an ATM, spending far beyond his means. Extravagent wedding, Tahitian honeymoon, dining, flat screen TVs (a must-have for home-ATM spenders), a boat, a new truck (didn't like the color of the old one), shopping sprees, and an "investment" property--all of this on the salary of a sales manager at a flooring and tile company. Marshall is not very different from other home-ATM users, he's just stupid enough to be featured in a NY Times article. Bravo, jackass.
* Check out that flat screen TV financed through his home.
Homeowners Feel the Pinch of Lost Equity (and can no longer tap their ATM--home)
RENO, Nev., Nov. 5 — As his wedding day approached last spring, Marshall Whittey found that his money could not keep pace with the grandiosity of his plans. But rather than scale back, he chose instead, like millions of homeowners across the country, to borrow against the soaring value of his home.
He and his bride, Holly Whittey, exchanged vows on the grounds of a sumptuous private estate in the Napa Valley. They spent their honeymoon at a resort in Tahiti. "It used to be that if I wanted it, I'd just go and buy it and finance it," Mr. Whittey, 33, said. "I'm feeling the crunch, and my spending is down significantly."
Mr. Whittey once seemed an unlikely member of that cohort. A sales manager at a flooring and tile company, he exudes the unflappable air of someone raised amid the easy money of the casino world. Until recently, he and his wife regularly embarked on shopping sprees of $1,000 and up. He bought a 21-foot boat and two flat-screen televisions for their home. He sold his old truck and bought a new one, he said, "just 'cause I didn't like the color." Mr. Whittey could live in such fashion because his company was making good money and his house was appreciating.
But today, the value of his own home, which reached $500,000, has fallen and a separate investment property he bought seems likely to fetch far less than the $580,000 he owes the bank. His commissions have diminished, so his income is down. His neighbor recently fell behind on house payments, prompting the bank to foreclose. Anxiety reigns. "We used to go out to eat three or four nights a week," Mr. Whittey said. "Now, we don't go out at all."
Property information:
404 Alysheba Ct, Reno, NV 89521-6274
-- 2005-06-08: purchase $283,900 with Universal American Mortgage
-- 2006-03-01: $30,000 HELOC with Countrywide
-- 2006-11-20: $375,000 REFI with First Magnus
Demos Ct, Reno, NV 89512
-- 2006-01-03: $444,000 ARM with CTX mortgage
-- 2006-01-03: $111,000 2nd with CTX mortgage
The assessment is for $200,000; don't understand the $555K loan.
3504 Herons Cir, Reno, NV, 89502
1998-10-09: purchased $136,000
2004-10-18: sold.......... $275,000
Friday, November 9, 2007
Todd Haupt
If this guy had exercised just a little bit of caution he'd probably be ok, but real estate never goes down, right?
Real Estate Speculator Goes From Boom to Bust
At 32, with just one semester of community college, he owned a BMW, a Corvette and a 5,000-square-foot house worth $1.2 million. He was a creation of the boom. "I was on top of the world," Mr. Haupt said recently.
Now Mr. Haupt's house is in the hands of his creditors, as are the cars, three small office buildings and 89 lots he bought in a subdivision in neighboring Lincoln County.
He owes about $6 million in personal and business debt, and as Mr. Haupt's fortunes soured, so have those of plumbers, electricians, framers, landscapers, supply stores and others that relied on his business, which he estimated at $300,000 per month.
Thursday, November 8, 2007
Dave Ormsbee
The Mortgage Mistake in Utah
Dave Ormsbee has never been inside this Draper home, which he now owns. Dave thought he was becoming a real estate investor. "Good credit was a curse," he says. Dave says it was his good credit alone that bought a home in Draper and a house in St. George, both with no money out of his pocket. Now at the age of 27, Dave owes more than a million dollars in mortgage loans.
Sounds like he makes a lot of money, but quite the opposite is true. Dave is a college student and waits tables after school. He makes maybe $11,000 a year, yet he bought the Draper house for more than $700,000."
You're a server at a restaurant. How can you afford a $719,000 house? I can't" says Dave. But how could a college student making $11,000 a year convince any lender to give him a million dollars in mortgages? Take a closer look at Dave Ormsbee's loan application. It shows him as the owner of his own company, Ormsbee Graphic Design.But there is no such physical company, it's all created on paper, he says, under the direction of Ron Haycock. "That's the company that they had me make up," says David.
Sunday, November 4, 2007
Michael Caruso
Michael has drank deeply from the kool-aid fountain!
Time to buy? Depends on whom you ask
"If you have a long horizon, this is a good time to buy," said Michael Caruso, president of the Orange County Association of Realtors. "You have plentiful inventory, you have willing sellers and you have agents in a problem-solving mode."Agents in "problem-solving mode". I feel better, now. Ummmm... are these the same dumb-ass agents that put people in homes they couldn't afford in the first place?
Caruso warns that it's a good time to buy only if you plan to own a home for more than a year. But there's a lot of pent-up buyer demand, he said, predicting that "we might have a heck of a spring and summer" next year.Michael, you may want to visit Vivian. Prices are so disconnected from earnings that you would have to be insane to pay the asking prices. Wait a few years and let them drop another 30-50%. But for god's sake, DON'T ASK A REALTARD IF IT'S A GOOD TIME TO BUY!!!
Friday, October 26, 2007
Guillermo Clan
Ahhh... the American dream. Make boatloads of ca$h without having to work--the Guillermos cashed in on the housing bubble, bigtime! They "purchased" 7 homes and all 7 are now in foreclosure. We can thank the collective real estate community for allowing this to happen, but buyers (or straw buyers) were certainly an integral part of the ponzi scheme.
2007-10-29: Why Is Papa Guillermo Relaxing on a Beach in Cabo?
2007-10-26: Update: The Family of Ladera Ranch
2007-02-06: Fraudera Ranch: It's a Family Affair!
Monday, October 22, 2007
Kendra Todd
From her website:
- "Highly acclaimed lecturer, real estate investor..."
- "...has a commanding knowledge of investment real estate."
- "One of the most successful real estate investors in the country."
What a load of crap. How about "one of the luckiest bimbos to gamble on real estate during a growing bubble." Her real talent: Marketing herself.
Oh, Kendra, you're such a real estate genius. Tell us more...
Is the Real Estate Market in Bubble Trouble? (alternate link)
September 26, 2006
You can't go anywhere without hearing people talk about "the real estate bubble." Such talk drives me to distraction, and I'll tell you why. It's because there is no real estate bubble. Bubbles are for bathtubs.
What to Do When a Market Cools
November 3, 2006
Well, what was for some time touted as the "bursting of the real estate bubble" appears to have become a soft landing for the real estate market. In the business, we call this a "correction."
What Makes a Market Bubble-Proof
January 10, 2007
As I discovered after a recent column, to the list of subjects best avoided if you want a civil discussion -- religion and politics -- you can add the real estate bubble. Plenty of people disagreed with my take that, overall, the "bubble" was nothing more than a long-overdue correction expected in markets across the board. Yes, some markets are experiencing considerable value declines that can be classified as a "bubble," but I could probably count those markets on one hand. (must be a deformed hand with hundreds of fingers)
Here is the pilot of "My Home is Worth What?" What a piece of garbage.
Tuesday, October 9, 2007
The Spin (Smith) Doctors
Famous last words: "When is a Housing Bubble Not a Housing Bubble?"
That was the title of a paper written by the good doctors. The answer to the question is fairly simple. A housing bubble is not a housing bubble when...
- appraisals are not fraudulently increased,
- mortgage lenders are honest and trustworthy,
- mortgage lenders verify applicant information,
- mortgage-backed securities are backed by credit worthy loans,
- realtors honestly advise their clients on affordability,
- buyers are realistic about what they can afford,
- and buyers understand the consequences of their actions.
What did the doctors conclude in their paper?
The relevant question, however, is not how much prices have increased in the past or how fast people expect them to increase in the future, but whether, at current prices, a house is still a fundamentally sound investment. Our answer is yes, even if the owner either buys for keeps (with no assumptions about futurehouse prices) or makes conservative assumptions about future housing prices.
2006-04-01: Housing Bubble? What Housing Bubble? April Fools!!!
2006-04-16: Is there a bubble? Do the math
Monday, October 1, 2007
Maria Gudelis
but I wish they would STFU.
FatCat Real Estate
While there may be no direct evidence that Maria is guilty of mortgage fraud, she has been inducted because she has the audicity to post videos about the lawsuit filed against her by First Magnus. My take on her is that she's a "get rich quick" type, doesn't produce anything, and follows the "get rich quick schemes". She says she's a "professional", but I believe a professional would know when and if they they were in a potentially fraudulent situation. She definitely profited from the high appraisals and loose lending standards, and I'm sure she wasn't complaining when the money was pouring in. Watch her in the First Magnus videos, prancing in front of a Mercedes and Audi, explaining how she has to return them. Boo-hoo!
Maria: Get Rich Quick Using Real Estate
Maria: First Magnus 1
Maria: First Magnus 2
Maria: First Magnus 3
I love her comment about the "herd of luxury vehicles that we have".
I found the following blog entry by her that smacks of her own real estate pyramid scheme.
Gudelis Pyramid Blog
Sunday, September 30, 2007
Vivian Hoang
Vivian Hoang, Realtor/Horticulturist
If the downturn in the real estate market is hurting your business, just put your home/investment to good use.
Elk Grove realtor linked to pot homes
ELK GROVE – An Elk Grove real estate agent has ties to nearly half of 21 raided pot houses, according to a database of properties sold in the area.
Authorities arrested Vivian Hoang, 34, Wednesday in coordinated raids in Sacramento, Elk Grove and Galt. She owned two of the houses and sold another eight while working at Elite Realty of Elk Grove, according to Metrolist Services.
Hoang left Elite Realty more than a month ago, said former co-worker Gus Chaveste who described Hoang as "very nice, humble lady."
Greg Swann
It seems that Greg is now raising the ire of his own.
2008-02-15: Swann should ban himself from Bloodhound Blog
Greg, methinks it is about time you add your own name to the BHB blacklist and ban yourself. You are charged under your own comment bylaws (excerpted below) with first degree flame-baiting, bad behavior and insult — all banishable offenses in your desert blogdom. You are a repeat offender, sir.
Greg on bubble bloggers:
21 reasons to bank on the Phoenix real estate market . . .
"...guilty of nothing except failing to have drunk the BubbleBlogger KoolAde."
"The BubbleBloggers will someday bawl balefully in private, but they will never, ever admit that they have been very publicly very foolish."
"I've been writing lovingly about this place since the day I got here, and I'll keep it up at least until the day before I die here."
Since he's been writing "lovingly" about Phoenix, does that mean he is incapable of writing anything truthful? Incapable of writing about loose lending practices? Incapable of writing about realtors that knowingly put people into homes they cannot possibly afford? Incapable of writing about toxic loan "products"?
And he took the Kool-aid line and used it against us! He can't do that!
Monday, September 24, 2007
VFM Investment Group
Jim Martin, Gabriel Viramontes, Mario Fellini, Joseph Gallo and Jennifer Huang
-- Accused of duping investors into buying more than 20 homes, with a total value of more than $9 million.
-- Misled investors and lied on loan applications.
2007-04-30: Investors Say They Were Duped
2007-06-05: FBI, IRS Take Action
2007-06-21: Alleged Real Estate Scheme
2007-09-21: Operating Through Loophole
Elk Grove, Part 1
Elk Grove, Part 2
Elk Grove, Part 3
Another "charge" that could be added: COMP inflating.
All this nonsense needs to be purged.
Sunday, September 23, 2007
Cheryl Marie Christman
When the bubble pops and you can't sell it, burn it down.
Kent County Deputies have arrested the homeowner for the September 1st fire at 6825 Deer Cove Drive.Cheryl Marie Christman, 38, was arrested and is being lodged in the Kent County Jail for intentionally setting fire to her home. Fire investigators believe that Christman was attempting to collect insurance money because the home was going to be foreclosed four days later.
Wednesday, September 19, 2007
Lois Henry
Asstard meets valley girl.
Bakersfield Californian vs Blogosphere
Who knows? Certainly not me. I'll leave that to the experts.
Speaking of experts, I'm getting a little fed up with the "I told you sos" from the so-called experts these days. Mostly, they're having their say anonymously on blogs, but we've received a few emails and phone calls as well.
Rumors are one thing, but we need hard information before we print a story.
Monday, September 10, 2007
David Crisp
David Crisp and Alan Cole can be given a lot of credit for destroying the real estate market in Bakersfield and surrounding areas. Recent news reports have provided evidence that they involved family members (Carl Cole, Megan Balod, Jennifer Crisp, Crisp's MOTHER!) in their nefarious flipping.
C&C Shenanigans:
Crisp & Cole defaults: Nightmare on Ordsall Street
Bakersfield home prices down 10.9% YOY; Crisp Sister in Law report
KGET Crisp Video: Mortgage Fraud--A Family Affair
2007-09-10: Formal charges have been filed
2007-09-12: FBI raids Crisp home and offices BUSTED!!!
News Video: Crisp Raided
Friday, September 7, 2007
John Lockwood
Just your typical rah-rah NAR cheerleader, and full of that special kool-aid. Read his blog and you'll get the idea. This fool will deny the existence of a bubble to the bitter end, or the bitter bottom, which is approaching very soon.
March 2006: Prices rose again in February. Darn, aren't they supposed to keep falling? Isn't Sacramento Land(ing) begging for us to call them price drops instead of price corrections?
And come to think of it, even when dropping that was a pretty smooth curve compared to a bursting bubble, wasn't it? And now it's on the rise again. Awww… and just when Sacramento Landing was reporting Central Valley "Bubble Appears to be Bursting", we had to go screw it up with a price increase.
Here was an interesting home listed at the blog:
Aug 2006: home for sale.. 4032 Birchgrove Way, $320K
Jun 2007: price reduced.. 4032 Birchgrove Way, $255K
Jul 2007: home sold........ 4032 Birchgrove Way, $290K * 1 year later *
John-boy: "...toward the end the winning combination was a deeply discounted list price and an above market commission."
Funny business? Cash back? The true price drop appears to be 20%. The "above market commission" may have added back 10%. Is this classic illegal cash-back activity, which also inflates COMPS.
Oct 2006: "...prices are down about seven percent from last year in Sacramento County. or they're up 2,214 percent from fifty years ago." Spin it!
Dec 2006: writing about foreclosures, REOs, NODs, short sales, etc.
Apr 2007: I'm more than unimpressed by the bubblers. I used to be simply unimpressed — now I'm impressively unimpressed!
And we are equally unimpressed with you, Realtor-boy!
No bubble, but...
John:My belief about what's driving prices down is what always drives prices down: supply is outstripping demand. Tightening lending standards and fear mongering are wreaking havoc on the demand side, while defaults and rising inventory are adding to the supply.
This fool will deny the existence of a bubble 'til the bitter end. The "tightening" of the lending standards he refers to is requiring people to qualify for the loan.
Lockwood Blog


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ROCHESTER HILLS, Mich. March 5, 2014 -Plymouth Technology, a provider of industrial water and wastewater treatment and consulting services, today announced receiving a $75,000 grant from the Michigan New Job Training Program delivered through Oakland Community College's Economic and Workforce Development team.
At PTI, we encourage sharing information as it pertains to the business world and/or our industry. This allows us to gain a measureless amount of data which will keep us ahead in the industry. As you come across information that you think may be of value and will benefit the organization, we want to know! Please forward your information to firstname.lastname@example.com.
Home | Employee Portal | Search | Site Map | About Us | Solutions | Industries Served | News & Resources | Careers | Contact Us
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BLEEDING GODS Post Live Footage From Dodekathlon Album Release Show; Video
February 12, 2018, a year ago
Dutch epic death/black metallers Bleeding Gods celebrated the release of their new album, Dodekathlon (Nuclear Blast) with an album release show on February 2nd at Fluor in Amersfoort, Netherlands. Check out the video by Sebastiaan Spijker:
The album was recorded at Pitch Note Productions and Hal 5 Studio; mixed and mastered at Soundlodge Studio. The cover artwork was created by Dimitris Tzortzis from Immensa Artis. Physical copies of Dodekathlon can be ordered here.
Dodekathlon tracklisting:
"Bloodguilt (Nemean Lion)"
"Multiple Decapitation (Lernaean Hydra)"
"Beloved By Artemis (Ceryneian Hind)"
"From Feast To Beast (Erymanthian Boar)"
"Inhuman Humiliation (Augean Stables)"
"Birds Of Hate (Stymphalian Birds)"
"Saviour Of Crete (Cretan Bull)"
"Tyrannical Blood (Mares Of Diomedes)"
"Seeds Of Distrust (Belt Of Hippolyta)"
"Tripled Anger (Cattle Of Geryon)"
"Hera's Orchard (Apples Of The Hesperides)"
"Hound Of Hell (Cerberus)"
"Beloved By Artemis" lyric video:
"Tripled Anger" lyric video:
"From Feast To Beast" video:


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Use scroll bars to navigate map.
Note: Digital map assembled and retouched for exhibit from map scans provided by The Library of Virginia. [Wood-Boye maps, Stafford. [1820?]. Scale: 200 poles = 1 in. [1:39,600]. 4 parts. 42 x 48 in. Digitized microfiche. Board of Public Works entries 711-712, The Library of Virginia]


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Fleetwood woman Katrina Beardsworth made some waves to help a good cause close to her heart.
Animal lover Katrina, 38, staged a sponsored swim in June to raise money for Easterleigh Animal Sanctuary in St Annes.
And she has now handed over a cheque for £311 to the charity.
Katrina, of Queens Terrace, visited the sanctuary and handed over the cheque to Easterleigh administrator, Nicola Blaketon.
Easterleigh owner Mandy Leigh said: "We are always really grateful to all the people who help us.
"Without their kindness and generosity we would not be able to afford to run the sanctuary.
"It costs £5,000 a week to run this place so the money will be a huge help."
Katrina swam 30 lengths at Fleetwood YMCA Leisure centre and raised the cash thanks to family and friends who have sponsored her.
She has learning difficulties and lives in independent living accommodation, where she is supported by key workers.
Katrina has always loved animals and has got two cats of her own.
Asked how she felt about the presentation, she said she was 'just glad to help'.
Her key worker, Pat Gerrard, said: "Katrina has worked so hard to be able to swim 30 lengths in one go.
"She loves animals and wanted to help Easterleigh because of the wonderful work it does.
"We were delighted to accompany Katrina for the presentation."


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June 10, 2011 - WonderFox Soft upgraded the Video Converter Factory Pro, HD Video Converter Factory Pro and iPad Video Converter Factory Pro from version 2.0 to version 3; The company also upgraded the Nokia Video Converter Factory Pro, BlackBerry Video Converter Factory Pro, Apple Video Converter Factory Pro, iPhone Video Converter Factory Pro and iPod Video Converter Factory Pro from version 3.0 to version 4.
We have redesigned the interface of the software
We have adjusted the advanced parameter setting
We have adjusted the basic video parameters of video conversion, and then the conversion process will take less time to convert videos, especially for BlackBerry Video Converter Factory Pro. There was some problem leads the process to convert video to PlayBook to take about 9 hours. But it had been solved now; it just took us about 70 minutes to convert a 1.5 GB video to PlayBook format.
Besides, because of some problem, the output of the old version software may happen to some problem, such as there was no audio in one video or the video file and audio didn't match each other or the resolution of the output video was strange. But such problem has been solved.
"I installed this easily on my Vista 64 machine running Sophos. When I went to install it on a Windows 7 machine with Avast, Avast complained that it was suspicious and actually attempting to run the executable completely froze my system, which has never happened over the course of nearly two years now. An attempt to reboot and do it again produced the same result and now the desktop has two sets of new executables in my C:\Windows directory attempting to open ports to remote IP addresses....." Yeorwned (a user from slickdeals)
The security risk problem was reported by a Avast user from SD. But that was not some virus. It was just a mistake. And now, problem has been solved. Such problem will not happen again for the 8 video converters (which are listed above) and the WonderFox DVD Ripper.
Convert HD Video & Common Video
Convert Video to Apple Devices


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The 5th round of Mansfelder Schloss Open was played this morning.
Aaron Gröbel (left) beat Andreas Peschel to claim alone 2nd place.
Aaron now has 4 points. Dr.Sören Bär down right played a draw as
white against Dr.Reinhold Steudner. Sören pushed many hours,
but could not break through. Sören is in shared 3rd place with 3,5
I won against Alexander Schmidt and lead with 4,5 points after the
5th round. In the 6th round I have black against Joachim Brandt.
This game starts at 15.00.
Photos:Joachim Solberg/Kinga E.
0 kommentarer


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Reebok Men's Twistform Blaze 3.0 MTM Running Shoe
- Removable insole
Blaze through any run in the Reebok twist form Blaze. The foam compound midsole adds a soft underfoot feel and focuses on heel support. Transition waves propel you forward while deflecting and compressing to enhance your ride. Twist form tooling adds interest and shelf appeal.


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I took this shot while I was stuck in a ditch waiting for a tow truck, right before a snow storm. I pulled over onto the shoulder of the road and it turned out that half the shoulder was actual a foot of light fluffy snow that my car sank into.
The shot is of an Iowa farm about 20 miles north of downtown Des Moines on the northern edge of Ankeny. The things sticking out of the snow in the foreground are the leftover stalks from the last seasons corn.
This work is licensed under a Creative Commons Attribution-Noncommercial-Share Alike 3.0 United States License.


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We invite you to join us this Sunday
at the Center for Spiritual Living
9:00 am – Inward Journey Service
11:00 am – Celebration Service (& Youth Church)
12:30 am – Town Hall Meeting
Talk Title – "Small Steps for a Big Change"
Rev. Larry King
Featuring Stephen Guise's "Mini Habits"
Learn an 8-step "Mini Habit" plan for making deliberate and cumulative changes in your life. You will begin to see immediate and lasting progress in your development.
Inspirational Music
(at the Celebration Service)
LaRhonda Steele
"…the legacy of the love of music will continue on through and as the irresistible soul music of LaRhonda Steele."
Affirmation of the Week:
"I am willing to accept change as the pathway to all the good meant for me."


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Romeo Toogood RUA (Irish Artist Directory)
Full Name: Romeo Toogood RUA
Lived: 1902 - 1966
Categories: Landscape, Ulster Unit
Artist Biography
Romeo Toogood studied at the Belfast School of Art and the Royal College of Art in London. Returning to his home town of Belfast in 1930 he joined a small group of artists known as the Ulster Unit, and taught at various high schools and institutes including the Belfast College of Art where his students included Terence Flanagan and Basil Blackshaw. Toogood's work was exhibited at the RHA, Ulster Academy of Arts, RUA and the Piccolo Gallery in Belfast. Following his death retrospectives were held by the Arts Council of Northern Ireland (1978) and the Bell Gallery (1989).
Romeo Toogood Art Previously On Sale at Adam's Auctioneers
Romeo Toogood (1902-1966) Roundstone Harbour Oil on canvas, 51 x 60cm Signed with initials Exhi...
Hammer Price €4,000.00
Romeo Toogood (1902-1996) Near Milltown Oil on canvas, 52 x 61cm (20.5 x 24'') Signed Exhibited:...
Hammer Price €1,800.00
Romeo Toogood RUA (1902-1966) Greencastle
Hammer Price €500.00