text:
I've Got Mail
Here's an email love story between a studio user and a member of our development team. Well, OK, it's only messages from the user in crash reports, and there's no love of which to speak…
Here's what he actually wrote over the course of three consecutive crashes:
|I was making a music video, then it crashed.
|I was making a music video again, then it crashed again. You suck!
|This thing keeps crashing when making music videos! I want to punch your faces in!
The poor guy hit a bug, and Studio crashed. Then he tried it again a couple of more times, and every time, Studio crashed in the same place. It rightfully made him angrier and angrier.
We fixed the bug, but not because of his vitriol. But (partly) because there was other useful diagnostic information in the bug report.
So, in case you've ever wondered: Yes, we read what you write. And yes, sending us those crashes does lead to fixes.
You don't have to send in the crash reports, of course. If you do, you can choose to helpfully let us know what you were doing when it crashed, or you can vent. We'll read it. We regret the bug regardless of whether you vent.
Finally, there's a secret feature where if you put the email address of a developer (Mine is the subdomain of this blog with @pinnaclesys.com.) in your feedback, that particular crash will go directly to their email inbox. So, yeah, you can send me hate mail.

subset: commoncrawl


text:
AAVSO Alert Notice 566
January 31, 2017
Beta Pic observations requested for BRITE-Constellation
The BRIght Target Explorer-Constellation (BRITE-Constellation)
satellite is obtaining high-precision photometry of selected very
bright (mv < 4) stars. Its purpose is to investigate the "stellar
structure and evolution of the brightest stars in the sky and their
interaction with the local environment." The AAVSO is part of the
BRITE-Constellation Ground Based Observations Team (GBOT),
supporting cutting-edge science from the BRITE-Constellation
satellites and coordinating with BRITE-Constellation scientist
Dr. Konstanze Zwintz (Universitaet Innsbruck) and her team.
The delta Scuti star beta Pic (NSV 16683) (3.80-3.86V) is one of
the BRITE stars being focused on during this season. Bet Pic is
particularly interesting now because a transit of the star's
planet's Hill sphere (the region around a planet in which it
dominates the attraction of satellites) is predicted to occur
during 2017-2018. Ongoing observations beginning now are valuable
to establish a baseline prior to the transit.
The AAVSO's webpage on the BRITE target stars
(https://www.aavso.org/aavso-brite-targets) was updated in November
with information on bet Pic from Dr. Zwintz. AAVSO observers with
appropriate equipment and located at a southern enough latitude are
encouraged to observe bet Pic. Its brightness makes bet Pic well
suited to PEP and DSLR photometry; CCD photometry is also possible.
However, great care must be taken by all observers, especially those
using CCD, to avoid saturation. As the amplitude of this star is
very small, visual observations are very difficult, but they are
Multicolor (BVR) photometry better than 0.01 magnitude and
time-series observations with a cadence of a few minutes (less than
10 minutes) are requested beginning now and continuing at least
through 2017 and likely through 2018. The precision and cadence
required are essential in order for the data to be most useful for
studying the transit.
Spectroscopists wishing to participate should submit their spectra
directly to Dr. Konstanze Zwintz (firstname.lastname@example.com).
Another campaign on bet Pic that is underway is being coordinated
by Dr. Iva Laginja (Leiden Observatory, The Netherlands), and AAVSO
observations are invited. For details, please see
http://home.strw.leidenuniv.nl/~laginja ... ry_ENG.pdf
Coordinates for bet Pic: 05 47 17.09 -51 03 59.4 (2000.0)
Charts: Charts with a comparison star sequence for bet Pic may be
created using the AAVSO Variable Star Plotter (VSP) at
Please submit observations to the AAVSO International Database
using the name BET PIC.
This campaign is being monitored on the AAVSO Observing Campaigns
webpage at https://www.aavso.org/observing-campaigns and is being
followed on the Campaigns and Observation Reports Forum at
https://www.aavso.org/content/bet-pic-b ... g-campaign.
This AAVSO Alert Notice was compiled by Elizabeth O. Waagen.
Information on submitting observations to the AAVSO may be found at:
An Alert Notice archive is available at the following URL:
Subscribing and Unsubscribing may be done at the following URL:
https://www.aavso.org/observation-notif ... ertnotices
Beta Pic observations requested for BRITE-Constellation
Exoplanet occultation, asteroid occultation,
solar research, comet observation, astrometry, etc.
solar research, comet observation, astrometry, etc.
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正在瀏覽這個版面的使用者:沒有註冊會員 和 2 位訪客


text:
Wendy Adler, M.E.D., LSLS Cert. AVEd
As the Principal of Child's Voice, Wendy is a part of nearly everything. She works closely with the teachers, runs IEP meetings, collaborates with school districts, and joins forces with the leadership team to help the Child's Voice Program grow!
Wendy first heard about Child's Voice after a visit from Jean Moog to the Clarke School where Wendy was student teaching as part of her Master's Degree. She started shortly after in August 1998. She is also an active member of Illinois Supervisors of Programs for Deaf/Hard of Hearing Individuals (ISHI), the Alexander Graham Bell Association for the Deaf and Hard of Hearing (AG Bell), and the VP of Education at Congregation Beth Shalom.
She and her husband Geoff currently live in Aurora. They have three children, Jacob, Elana and Grace, and five pets – two dogs, two cats and one fish. Recently, Jacob was accepted to be a counselor-in-training at a camp for Jewish youth and Elana was accepted into the Tri-M Music Honors Society. Jacob and Elana are active in the Oswego East High School marching band. Grace is preparing for her Bot Mitzvah. Wendy loves spending time with her family, both immediate and extended.
Wendy loves her job, the kids, and being a part of Child's Voice!


text:
Listing all results (10572)
Lesson ideas for food, nutritian, food sources, reducing food waste and cultural food and social influences
The Computing at School newsletter is published three times a year. It is full of practical ideas for teachers of computing in primary and secondary schools, with articles contributed by a number of CAS members. With input from teachers, academics, advisors and industry professionals, it provides a varied source of...
Seeing The Unseen - Radar. Practical, active group activity to discover how basic maths and physics help engineers to "see the unseen"
Group activity involving volunteers moving around a teaching space and using time, distance and speed measurements to locate a student taking on the role of an aircraft.
Supports the use of Speed = Distance / Time and also the concept of radio waves travelling through space, giving practical meaning to...
Fusion 360 - using sculpt to create a racing car seat
Powerpoint presentation with instructions for creating a racing seat using the sculpt set of functions. This works as a good introduction to sculpt functionality, with additional material to support creating a rendered product. This could be used as a tutorial or printed as student instructions.
How to Plan and Run Your Own Space Week
This guide supports primary schools in planning and running their own Space Week, providing a wealth of ideas for activities for children in EYFS and primary schools as well as links to many high-quality resources to support teachers in planning a week of engaging learning experiences for their pupils. The guide...
Tim Peake public presentation
This presentation was produced by the UK Space Agency for Tim Peake's mission to the International Space Station in 2015/16.
The cs4fn magazine is a magazine on the fun side of all things to do with computer science. The authors write up computing research in a fun and accessible way that puts across their enthusiasm for the subject. Unplugged computing, computational thinking and practical applications of computers in many areas are...
This collection of resources supports computing and computer science in upper secondary schools. The resources offer in-depth learning opportunities covering programming with Python as well as other aspects of the curriculum.
North Sea Rocks
The resource available consists of the following items:
RESINATED CORE SLABS (15m)
This is material that has been cut...
Zoom in on your genome
This video shows the various levels of DNA packaging and the four basic building blocks of DNA. it allows you to take a journey into the body to see where the genome is found and how DNA is packaged in the nucleus of the cell. The journey starts outside the body and takes you into the liver and a liver cell. You...
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text:
Well, it's been a while hasn't it?! I've genuinely been very busy though (ok, watching Gossip Girl doesn't really count as busy - I know... I know but every girl needs a few guilty vices and Chuck Bass is one of mine! I have actually been busy!)
So this is just a little snippet of what's been going on lately, I have lots of ideas for posts coming up though and a pending trip to Dubai next month that I'm really looking forward to! So there's going to be a bit more keyboard action moving forward!
Let's go...
1. Dior 5 Couleurs in 'Cuir Cannage' - my sister bought me this for Christmas and I've pretty much worn it everyday since. The shades are gorgeous and I love the fact that the inner (matte) colour works really well in the crease. You can create quite a dramatic look using the darkest shadow or get something more wearable for daytime using the more golden shades. Ok, so the blendability isn't the best (MAC / Nars / Urban Decay shadows perform far better) however I can live with that for such pretty shades! It's my current go-to palette.
2. Blondes have more fun - so folks, I've decided to go back to my former self - I tried something a little darker over Winter and yes, I enjoyed it and it was a helluva lot easier to maintain, however I'm feeling a little drab at the moment and so a trip to the hairdressers last week involved a little more blonde action than usual and now I've got the bug again...be prepared for my hair to get a lot lighter!
3. Stars Obsession - Whilst I write this, I'm drinking a cup of tea out of yet another starry mug (and not the one in the photograph!) and I've begun to realise that I just can't get enough of anything with a star print! I'm not sure what it is about stars that I like or what draws me to them but it's now spreading to crockery! (and also includes blankets, pyjamas, tracksuit bottoms...) I wonder where else I can take this obsession?! Recommendations welcome!
4. Dressing Room - ok, so this is the reason that I've been quiet around these parts for a while. For 2 years I've had my clothes on 4 Argos Rails, my shoes piled on the floor and my bags in boxes. I've also been doing my hair and make up sat on the floor. This just couldn't go on...finally, it was time to start work on our upstairs bedrooms in the house and I've been painting and spending countless hours on Pinterest and trawling furniture shops looking for ideas. This is just a sneak peak, I'm planning on doing a full post on the room when I've completely finished it!
5. More Nike Air Max 90's - I like these trainers for two reasons. First, I remember having a blue pair of these trainers in 1990 and I loved them to bits. I really thought I was something else strutting around in them for PE at school! They will always have a special place in my heart (wardrobe!) because of this. Secondly, since they've made a big come back I bought the black pair and fell in love with how comfortable they are, especially when I wear heels all week to work. These white ones look great teamed with blue skinny jeans. I got mine on ASOS here (also had a 20% off code - winner!)
6. Ray-Ban Matte Black Bargain - I got these on eBay a couple of weeks ago for such a snip! (they're authentic - I'm very wise to fakes on eBay!) they're my sunglasses of choice at the moment. Lightweight and polarised. Highly recommend them to those of you looking for a decent pair of Ray-Ban's for the Summer. Get them here
7. Gossip Girl - I have my work colleague Lowri to thank for this new addiction in my life! I honestly do not know how I haven't got into this show sooner. It ticks all the boxes for me... set in New York, hot cast (Chuck Bass - wow), ridiculously trashy storyline that makes it so easy to watch. It's the equivalent of picking up an easy-read novel! I love it and I'm not ashamed to say it! :) I'm also slightly obsessed with Blake Lively now too.
8. Space NK - I went to Clifton in Bristol a couple of weeks ago (note to self - must go back, forgot how much I love this place!) and of course, although I went furniture shopping there's always time to sneak in a little trip to the Mecca of Beauty and Skincare! I resisted the urge to buy a Nars mini palette with the blushes, bronzer, highlighter and lipgloss (just writing that is making me feel regretful, I will probably buy it next month!) and just opted for something that I actually needed - a new cleanser. I read over on Ruth from A Model Recommends that this cleanser is supposed to be pretty good and I'm quite into oil gel hybrid cleansers at the moment. I haven't tried it yet because I have a teeny tiny bit of the Boscia gel cleansing oil left to use up (it's taking all my will power not to crack open that Nude cleansing gel and use it NOW!!) I shall let you know how I get on and whether I think it's any good.
Lis x


text:
Draft 2016 Business Plan Comments
To submit general questions, comments, or requests about the Draft 2016 Business Plan, please use the form below. The draft comment period opens on Friday, February 19 and closes on Monday, April 18.
The Authority respects your privacy and will not share our registration list with others except as required by law.
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text:
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text:
Online networking to IRL collaboration: Rebecca X Emdal's soothing virtual designs
Apr 23, 2019 | By Bonnie Pierre-Davis
Jul 06, 2012
Argentinean publishing house Eterna Cadencia released The Book That Cannot Wait, an anthology of publications by contemporary Latin authors that have been printed using disappearing ink.
The poetic project, which came about through collaboration with creative agency draftFCB, addresses the problems young authors face in getting their work read. Once the book is removed from its wrapping and comes in contact with air and sunlight, the words on each page will begin to fade over a period of two months until the stories have disappeared completely.
Eterna Cadencia explain further:
"Books are very patient objects. We buy them, and then they wait for us to read them, days, months, even years. That's OK for books, but not for new authors. If people don't read their first books, they'll never make it to a second."
The project recently won the Cannes PR Lions for an innovative publishing concept. You watch the promotional video here. – Samantha Fox
Know what's next. Become a WGSN member today to benefit from our daily trend intelligence, retail analytics, consumer insights and bespoke consultancy services.


text:
by Richard Branch
It feels weird doesn't it? The Badgers are a week and a half from playing in the Rose Bowl but it seems as if fans have already moved on, focusing their attention on 2013 and beyond as Wisconsin begins the Gary Andersen era. As the hubbub of the new hire dies down and fans – hopefully - refocus on New Years Day, there is still a small window of opportunity to lobby for personnel retention before they scatter and go their separate ways on January 2nd.
This team NEEDS to keep Matt Canada as offensive coordinator going forward.
The 2012 Badgers would probably be remembered for one of the more chaotic seasons in recent memory even without the sudden, unexpected departure of Bret Bielema for Arkansas. In a year where kickers were being benched at a rate that would make George Steinbrenner blush, the biggest story was the uneven season on the offensive side of the ball.
The 2012 offense was nowhere near the dominant scoring machine Badger fans had seen under Paul Chryst. The offensive line looked ineffective. Turnovers became more commonplace. Though still relatively few in number, penalties emerged in critical situations crippling drives, taking away precious opportunities for points.
It's because of these shortcomings – not despite them – that the Badgers need to work to retain Matt Canada for 2013. Canada was able to navigate this chaos reasonably well; by the end of the season the Badgers looked like an offense that could score points on any given Saturday despite lacking the array of tools past Wisconsin offenses possessed.
Matt Canada's greatest recurring challenge was at the most critical position: quarterback. Coming out of camp the public heard the familiar refrain of the accomplished transfer quarterback coming to town to settle an otherwise uncertain position group. Danny O'Brien looked to have the physical tools and experience required to prevent a major decline from the highs of 2011.
We know how this worked out. Either the ACC-to-B1G transition was too great or his disastrous 2011 season left scars that never healed. O'Brien never performed to expectations.
Joel Stave was thrust into the starting role halfway through the Utah State game (Gary Andersen…why do you keep popping up in this story?) as an unlikely successor to O'Brien. Stave did two things very well: he sold the play action effectively and could throw a strong, reasonably accurate deep ball. Canada's play calling reflected this: play action passes with a deep receiver – usually Jared Abbrederis – became a staple of the offense.
Abbrederis had his best games with Stave at quarterback. Over one three game span the two combined for 20 receptions and 406 yards. Run-keying defenses would leave Abbrederis in single coverage on the edge; he and Stave made them pay. In Stave's six starts he completed 14 passes of 25 yards or more; in the seven games O'Brien and Phillips started they managed only 5 between them.
Even with these impressive numbers Stave was a far from perfect quarterback. Perhaps most telling: he completed only 38% of the his passes on 3rd down. Canada found a way to work around these flaws putting 30+ points on the board in four of the five games that Stave played from start to finish. The game that fell short of that threshold was the road loss in Lincoln where they only managed 27.
The limited success found in the "Stave formula" had to be completely reworked with a 3rd quarterback after Stave broke his clavicle. Taking over as starter Curt Phillips was a different type of player than Stave. He is a marginally mobile quarterback (you know the 3 ACL surgery story) without much of an arm whom the coaching staff hoped could simply avoid making too many mistakes. Perhaps in the end he simply wasn't Danny O'Brien.
The deep threat in the passing game – so affective with Stave - was largely gone. Canada needed to find a new way to open holes for the ground game. Phillips found success on play action as well. Instead of using it to stretch defenses vertically as Stave had, Phillips found his niche rolling out hitting receivers on short crossing routes. If he couldn't challenge them deep Canada would at least stretch them sideline to sideline.
While the barge formation first appeared while Stave was still healthy, if became a more prominent feature of the offense once Phillips became the starter. In the B1G championship game Canada employed it extensively in the red zone. The chances of a stray pass from Phillips squandering scoring opportunities were minimized. Phillips, despite his 5th year status, is an inexperienced quarterback who locks on receivers at times; taking him off the field with creative personnel packages worked around that.
Unfortunately Canada was not always so consistently creative. He shut down the offense after jumping out big Nebraska during their September matchup. The offense became a non factor in the 2nd half and watched the game slip away as drive after ineffective drive ended wit ha punt back to the Nebraska offense.
Playcalling was frustrating to fans (including myself). Even after it had become clear the offensive line was not the immovable juggernaut of recent vintage, there seemed to be too many runs in the center of the line for little or no gain. And perhaps the greatest error: Melvin Gordon was utilized in a meaningful way in only two games.
Despite these frustrations given the changes coming with a new head coach this is a situation that screams for consistency. There will be an adjustment period as players grow accustomed to new coaches and coaches to the players. Even putting aside the Markuson debacle, there was an adjustment period for everyone this year that took time to settle.
Bringing Matt Canada back to run the offense in 2013 would give an offense returning most of its starters a chance to build off what they learned in their first year in the system. It's reasonable to expect the same group of players to improve their performance.
This year's defense provides a reason to look for an improved offense next year. Chris Ash's 2011 unit had a reputation as a soft, bend but don't break defense that inevitably gave up big plays with sudden breakdowns in coverage. In 2012, in his 2nd year as defensive coordinator his defense became the bedrock of the team. Given another year to teach his system he showed results.
Matt Canada should get the same opportunity. He acknowledged recently his playcalling early in the year was influenced a little too much by what he thought Wisconsin should be (i.e. power running between the tackles) when a more creative approach – as he used to great effect in the Nebraska rematch – might yield better results.
When Canada took the job last winter he expressed how excited he was to be a part of the Wisconsin program. He hoped it was a place he could be a long time. This past week he expressed the same sentiments after it was announced he would be leaving the Badgers for NC State next year. He all but said he still wants to be in Madison. Moving his family for a 2nd straight year was clearly not what he was signed up for last year.
Like the rest of us he saw the Wisconsin/Bielema situation as a stable one that might allow him to put down roots for a time. Take his statements however you want (and I can't blame you for thinking a coach is no better than a politician at this point) but if genuine Canada is as good a candidate to stick with the program for a longer period of time as anyone. He may well be able to provide the kind of stability that Paul Chryst did; working as offensive coordinator for six years before finally becoming head coach. That kind of longevity at the same position is seldom seen.
At this point there are only two things standing in the way of Canada staying aboard for next season: his new contract with NC State and a desire by Gary Andersen to keep him on his staff.
It was revealed this week that Canada's new contract with NC State comes with a whopping $500,000 buyout. In contrast Charlie Partridge's arrangement with Arkansas only carried a $50,000 penalty had he elected to stay at Wisconsin. That stipulation in Canada contract has been called a deal killer but it doesn't seem insurmountable if there is a desire to retain him. Andersen's contract is reported to pay him $1.8 million next year. If Bret Bielema were still head coach his salary would have been in the $2.6 million range. It would seem the money is available to buy him out if needed. On the surface at least that buyout isn't the poison pill it's been made to be.
For Andersen, Canada seems like a good fit for a lot of reasons. In his introductory press conference he expressed his desire to keep on as many current coaches as possible citing the need for continuity. Andersen's offense at Utah State has always been spread oriented; he will be making the transition to a power run, pro style offense for the first time in his career. Canada can speak to his spread background and help guide Andersen through and ease the process for him. If Andersen sees value in that experience he may well make the push to keep Canada on his staff.
There were many times this season fans were left wondering where the offensive magic had gone. The familiar shots of the unassuming Chryst, sitting in the coach's box with the world's largest wad of chewing tobacco in his lip, running an offense that seemed to have an answer for almost anything thrown at it were replaced by a guy who didn't come in and set the world on fire. Canada can't compete with the Ghost of Offensive Coordinators Past. But his skill set and experience may make him an indispensable part of this staff going forward bridging the gap between old and new. Matt Canada will not be the perfect offensive coordinator. No one is. But maybe he's the best fit right now.


text:
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text:
Emotional recovery can often lag behind your physical healing for those who are recovering from cancer and the long journey of treatments.
Even though you may feel that things are going well and you know you are better, there maybe elements of worry, doubt, panic or uneasiness that are lingering in your life.
An Aid to Emotional Recovery from Cancer can help you to feel better again through gentle and calm guidance by addressing these worries and fears.
Based upon the successful processes and delivery methods of our internationally acclaimed CD "An Aid to Emotional Recovery After Breast Cancer©" This programme, contains the same processes coupled with an additional recording session and re-mastered listening schedule which we believe will aid the emotional healing processes, and help the listener to gain maximum benefit. The recording is contained in a convenient CD format or available on mp3 download, comprising of 5 interlinked sessions providing over 88 minutes of guidance, support and encouragement.


text:
Radical Jesus
by Dr. John Vincent
($12.95, (7" X 10") Paperback, 140 pages)
A straightforward, dramatic, revelatory retelling of the story of Jesus in Mark's Gospel. Jesus appears exactly as he appeared to his own contemporaries, and to his first followers, as an exceptional, highly original, champion of the values of the poor, developing an alternative faith lifestyle at the bottom of society, and forming a community of followers whom he taught to act with his own freedom and commitment, which he called Kingdom of God. "Radical Jesus" argues that Jesus still today represents a significant and potentially world-changing style and method, whereby real change can be pioneered by groups of committed entrepreneurial disciples, following Jesus's Way. Our twenty-first century contexts of social, cultural, and political choices evoke Jesus as Alternative, Guru, Master, Blasphemer, Politician, and Journey Downward.


text:
"Revenge porn" websites have been grabbing headlines since 23 women sued Texxxan.com for allegedly violating their privacy by posting nude photos of them.
"Revenge porn" sites typically let users post naked photos of their exes or their enemies without their permission.
Hunter Moore, who founded the site IsAnyoneUp.com, is arguably the king of "Revenge Porn."
This week a CBS affiliate in Denver interviewed Craig Brittain, the 28-year-old owner of IsAnybodyDown.com, which NPR has previously reported " filled the niche" left when Moore's site shut down in April 2012.
That site harvests hundreds of naked pictures of women and links to their Facebok profiles, according to CBS 4.
If women want their photos removed from the site, they follow a link to the website of a "takedown lawyer" named David Blade III, who charges $250 to take the photos down, according to CBS 4.
Brittain told CBS that his site's purpose is "entertainment" and that he hasn't been sued yet for his activities, which he says are protected by the First Amendment.
However, at least one lawyer is "out to get Brittain," Ars Technica reports in an analysis of strategies that lawyer might use if he files litigation over IsAnybodyDown.com.
That lawyer, Marc Randazza, told Ars Technica that copyright law could be Brittain's downfall.
Women whose pictures get posted without their permission could win up to $150,000 per work of willful infringement, Ars Technica reported in its extensive analysis. And victims could prove ownership even if they didn't take the photos themselves because they could be considered a "joint author," law professor Derek Bambauer argued over at Info/Law.
But sites like Brittain's could also use copyright law to defend themselves, Ars Technica argues. They could claim "safe harbor" under the Digital Millennium Copyright Act, which protects websites from copyright lawsuits if they follow certain rules, like responding quickly to takedown notices.


text:
Andy Irons
|Andy Irons
|Personal information
|July 24, 1978
Kauai, Hawaii
|November 2, 2010 (aged 32)
Grapevine, Texas[1]
|Hanalei, Kauai, Hawaii
|6 ft 0.5 in (1.84 m)
|170 lb (77 kg)
|Surfing career
|Years active
|10 years
|Best year
|Ranked 1st on the ASP World Tour, 2002, 2003 and 2004
|Career earnings
|$1,495,533 [2]
|Billabong, Von Zipper, Nixon Watches, Kustom Footwear, Dakine
|Major achievements
|ASP World Champion in 2002, 2003 and 2004
Quiksilver Pro France champion (2003, 2004, 2005)
Rip Curl Pro Search title (2006 & 2007).
|Surfing specifications
|Regular (natural foot)
Philip Andrew Irons (July 24, 1978 – November 2, 2010) was an American professional surfer. Irons learned to surf on the dangerous and shallow reefs of the North Shore, Oahu, Hawaii. Over the course of his professional career, he won three world titles (2002, 2003, 2004), three Quiksilver Pro France titles (2003, 2004, 2005), two Rip Curl Pro Search titles (2006 and 2007) and 20 elite tour victories including the Vans Triple Crown of Surfing four times from 2002-2006.[3] On September 3, 2010 he won the Billabong Pro Teahupoo in Tahiti. He and his family hosted the Annual Irons Brothers Pinetrees Classic, a contest for youngsters. The Governor of Hawaii declared February 13 forever "Andy Irons Day". He is the only surfer to have won a title at every venue on the ASP calendar.[4]
His younger brother, Bruce Irons, is a former competitor on the World Championship Tour of Surfing (WCT). During his childhood Andy regularly lost to Bruce in contests, but that changed once he entered the World Championship Tour. During his professional career, he won three world titles (2002, 2003, 2004), three Quiksilver Pro France titles (2003, 2004, 2005), two Rip Curl Pro Search titles (2006 and 2007) and 20 elite tour victories including the Vans Triple Crown of Surfing four times from 2002-2006. On September 3, 2010 he won the Billabong Pro Teahupoo in Tahiti.
In 2009, Irons withdrew from doing the full ASP World Tour season for personal reasons, though he did participate in a few events. He requested a wildcard entry for the 2010 ASP World Tour season, which was granted by ASP President Wayne Bartholomew. As a result, Irons did not have to re-qualify in 2010 via the World Qualifying Series (WQS). Irons won the Billabong Pro Tahiti 2010.[5]
He was inducted into the Surfing Walk of Fame in Huntington Beach, California in 2008.[6] The Governor of Hawaii declared February 13 forever "Andy Irons Day". He was the only surfer to have won a title at every venue on the ASP calendar.
Billabong produced an "Andy Irons" line of board shorts.
Irons died on November 2, 2010. He was found lying in bed on his back with the sheets pulled up to his chin, by two hotel staff after he had failed to respond to knock on the door and they went in to investigate.
The Tarrant County Medical Examiner's Office concludes that Irons died from a cardiac arrest due to a severe blockage of a main artery of the heart. The official autopsy report lists also a second cause of death as "acute mixed drug ingestion", listing alprazolam, methadone, benzoylecgonine (a metabolite of cocaine) and traces of methamphetamine as the drugs found in Andy's body at the time of his death.[7] Initial press releases cited Dengue fever as the cause of Irons' death; however, the autopsy report conducted by the Tarrant County Medical Examiner's office were negative for Dengue and other flavivirus.[8] It is unclear why rumors that Dengue fever contributed to Irons' death proliferated.[9]
In response to Irons' death, a World Championship Tour event in Puerto Rico was postponed for two days with competitors holding a "paddle out" memorial service for Irons.[10] Irons had withdrawn from the event citing ill health and was flying back to his home in Hawaii during a stopover in Grapevine, Texas, near Dallas-Fort Worth International Airport.[10] He had reportedly stopped in Miami after leaving Puerto Rico, and early reports said he was put on a saline drip. He was reported to have been vomiting on the Hawaii bound plane before being removed prior to take-off.[11] In the days immediately following his death, it was reported that, in Dallas, an extremely ill Irons had attempted to board his connecting flight to Honolulu at 11:30 a.m. but was turned away at an American Airlines gate—a claim the company denies.[12][13]
A memorial service was held November 14, 2010 in Hanalei Bay, Kauai. His wife Lyndie and brother Bruce, scattered his ashes outside Hanalei Bay where thousands of family, friends and admirers said their last goodbyes.[14]
Friend and rival surfer Kelly Slater dedicated his November 6, 2010 victory to Irons. "I just want to send my condolences to Andy's family," Slater said:
- "I'm a little overwhelmed right now, but I want to dedicate this to Andy... It's like exact opposites. This doesn't really offset that, I'd give this title away in a second if Andy could come back."[15]
Slater also wrote a candid remembrance honoring the life of Andy Irons on the anniversary of his death; it was also the same day that Slater claimed his 11th ASP World Title in Puerto Rico.
Personal life[edit]
Irons married Lyndie Dupuis on November 25, 2007 in Princeville, Kauai. She was seven months pregnant with their first child at the time of his death.[16] Lyndie gave birth to their son, Andy Axel Irons, in Kauai on the opening day of the Pipeline Masters in Memory of Andy Irons, December 8, 2010.[17]
Lyndie and Axel continue to live on the Island of Kauai where she and Andy shared a home.
The 2005 movie Blue Horizon (directed by surfing filmmaker Jack McCoy), paralleled his life on the WCT tour with that of free surfer, David Rastovich. The film also touched on his long-time rivalry with eleven-time world champion Kelly Slater.[18] Although the film was created in a documentary-like style, there has been some debate over whether or not the film offered an accurate and fair portrayal of Irons' surfing lifestyle. In addition to "Blue Horizon", Irons was also a subject of many other surf films, including his screen appearance in Trilogy, which starred himself, Joel Parkinson, and Taj Burrow.
Rivalry with Kelly Slater[edit]
Irons had a much-publicized, and, according to him, over-hyped, rivalry with fellow professional surfer Kelly Slater.[19] In an interview, Irons said:
For me, just being affiliated with Kelly--to be next to him--I mean, that's awesome. He's the ultimate surfer. He's the best surfer in the world. Ever. Best competitive, best free surfer, you name it, and to have my name put next to his everywhere really is flattering. He's the Michael Jordan of our sport. Kelly knows how I feel about him. Despite all the media hype that comes out of a rivalry there's a lot of respect given both ways. People don't realize there are times when we hang out. We'll go check the waves together. We talk about boards. He invited me personally to his contest on Tavarua. There's a ton of respect there.[19]
Slater himself was quoted in a Surfer Magazine tribute for Irons:
Andy was an absolutely gifted individual. I'm lucky to have known him and had the times we had together. I feel blessed that we worked through the differences we had and I was able to learn what I'm made of because of Andy. I got to know a happy, funny, innocent kid who was happy to live every second with the people he loved. I'm so sad. My thoughts are with Bruce and Lyndie and their parents and all of his many friends around the world. It's a huge and far too premature loss for all of us. He was the most intense competitor I've ever known and one of the most sensitive people. He had so much life left in him and it hurts to think about. We look forward to his memory living on with our memories of him and his child on the way. There are a lot of uncles awaiting his arrival. I really miss Andy. He had a really good heart.[20]
- ^ Finding Irons' cause of death will take weeks - Hawaii News - Staradvertiser.com
- ^ "ASP World Title Ranking | ASP World Tour - The Association of Surfing Professionals". Archived from the original on 2010-11-15. Retrieved 2010-11-20.
- ^ Hawaiians/HIC Sunset Pro remember Andy Irons - ESPN Archived November 7, 2010, at the Wayback Machine.
- ^ Surfing champion Irons dead – ABC News (Australian Broadcasting Corporation)
- ^ Andy Irons Withdraws From 2009 ASP World Tour Season.
- ^ Connelly, Laylan (2008-07-25). "Watershed Events". The Orange County Register. pp. Local 3.
- ^ Andy Irons' cause of death determined as cardiac arrest
- ^ "Andy Irons' Cause of Death: Heart Attack and Drugs". TheInertia.com. The Inertia. Retrieved 11 June 2011.
- ^ "Demystifying the Life and Death of Andy Irons". TheInertia.com. The Inertia. Retrieved 15 June 2011.
- ^ a b ABC Sport – Irons mourned as surfing event postponed
- ^ Robinson, Georgina (November 4, 2010). "Medicine, but no methadone, found in Andy Irons's hotel room, police report says". The Sydney Morning Herald.
- ^ Surfer Andy Irons Last Drop | OutsideOnline.com
- ^ Finding Irons' cause of death will take weeks | Honolulu Star-Advertiser
- ^ "Memorial scheduled to honor surfer Andy Irons". CNN. November 5, 2010.
- ^ "Kelly Slater dedicates title to Irons". The Sydney Morning Herald. November 7, 2010. Archived from the original on 8 November 2010. Retrieved 7 Nov 2010.
- ^ "Surfing: Irons leaves behind pregnant wife". The New Zealand Herald. 3 November 2010. Retrieved 3 November 2010.
- ^ "Andy Irons' widow gives birth to a boy". Honolulu Star Advertiser. 8 December 2010. Archived from the original on 13 December 2010. Retrieved 11 January 2011.
- ^ Andy Irons Kelly Slater Rivalry
- ^ a b Mauro, Chris. "Big Issue SURFER Interview: Andy Irons". surfermag.com Vol 45 #8. Archived from the original on 21 August 2004. Retrieved 7 Nov 2010.
- ^ "SURFER remembers Andy Irons". surfermag.com. 2010-10-03. Archived from the original on 2011-11-03. Retrieved 2011-11-02.
External links[edit]
|Preceded by
C. J. Hobgood
| Association of Surfing Professionals World Champion (men's)
2002, 2003, & 2004
|Succeeded by
Kelly Slater


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Whew – We Made It
It's November 1st- hard to believe the season is over for us until May. Of course, we fishined the season with Hurricain Sandy – what a way to go! I did post some videos of the storm. Of course you really can't catch the full impact unless you were here. The beaches took a beating and we lost power for 32 hours – enough for us to consider getting a generator. But, all in all, we were very fortunate and our thoughts and prayers go out to those areas hardest hit & still trying to recover. W e look forward to next season and greeting our new guests & welcoming bour many repeat "friends".
1 comment
Hi Liz – Great site/blog.


text: We put them to use straight away and it was a very rich experience. The kids ability to break a skill down and build it back up was excellent but what struck me was the conversations that were happening. We have done lots of peer coaching in PE but with the iPads, the conversations were much deeper.


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And Then There Were Eight
Tomorrow, June 30th, will be the first day since the World Cup began over two and a half weeks ago that there won't be any live football on. The group stages have been and gone, and with Spain's victory over their Iberian neighbours Portugal tonight, the last 16 has been whittled down to 8. Time for the serious stuff to start, for the remaining sides to step up to the plate and strive to claim their place in history. And you can keep up to date with all the action on the go with the AP 2010 World Cup from Nokia's Application Store, The Ovi Store. By way of a guide to the eight contenders left standing in World Cup 2010 here's a run down on the current star in each line up.
Holland – Arjen Robben: Injured for the first two games, Robben made an immediate impact when introduced as a sub during Holland's 2-1 win over Cameroon in their final group match. He followed up on that favourable impression by starting the 2nd round encounter v Slovakia, and opening the scoring with an impressive run and shot following a great pass from Wesley Sneijder. Robben is the kind of player who can be quiet for long periods and then explode into life, turning a contest on its head in the process. More than likely to line up on the right in the quarter-final v Brazil, he could very well give the Selecao's left-back Michel Bastos a torrid afternoon. If he does, expect the Dutch to make it into the last four.
Brazil – Luis Fabiano: Dunga's men have been quite impressive thus far, without ever really turning on their renowned Samba magic. Perhaps it's just not in them – any side with Gilberto Silva as its anchor is bound to be more practical than playful after all. Nevertheless, Luis Fabiano has been a constant menace up front for a side that strolled through the group stages, and hardly broke a sweat in beating continental rivals Chile in the 2nd round. Fabiano has three goals to his name already, each one taken with the confidence of an in form striker. And although his support cast of Kaka and Robinho have been rather more mercurial in the competition, Fabiano can still rely on his team mates to provide him with plenty of ammunition. Holland will need to be on high-alert to ensure some of the Sevilla man's bullets don't hit the target in what I consider to be the tie of the last 8.
Uruguay – Diego Forlan: Uruguay have been a revelation at World Cup 2010, and in Diego Forlan they have one of the players of the tournament so far. The former Manchester Utd misfit is the conductor of the orchestra as far as his team is concerned, taking the vast majority of their offensive free-kicks, burying a marvelous penalty v South Africa, and providing his strike partner Luis Suarez with numerous assists to allow the Ajax striker notch three goals of his own. Forlan is full of confidence, and clearly enjoys the responsibility of being the main man for his country. Ghana will be no pushovers next Friday evening in Johannesburg, but I'm backing the South Americans to make it through to the final four, and that prediction is based largely on the form of Forlan.
Ghana – Asamoah Gyan: As the only African team to make it to the last 8 Ghana will have the best wishes of the continent with them. Their top man so far has been Asamoah Gyan, scorer of three of their four goals in the tournament, and a player that has become one of the shining stars of a Ghanaian squad many wrote off as serious challengers once Michael Essien was ruled out through injury. An opening victory over Serbia in Group D was celebrated by the White Elephants as if they's won the cup itself, a Gyan penalty seeing them through, and he repeated the trick from the spot against Australia to secure the point that saw them qualify for the Last 16 as runners-up to Germany. The best was yet to come from Gyan who showed great strength and composure to score the winner v the USA in the first knockout phase. If the Stade Rennes forward can repeat the trick in the quarters Africa could well be cheering one of its own into the semi-finals.
Argentina – Lionel Messi: Hard to believe this guy hasn't scored so far, but you get the feeling he won't be overly perturbed by this fact as long as his team keep on winning. While Gonzalo Higuain (4) and Carlos Tevez (2) have notched for Maradona's men, indeed even the old workhorse Martin Palermo has a goal to his name, Messi is still drawing a blank but La Pulga is pulling the strings quite delightfully for his side. I believe that the team functions best when Juan Sebastian Veron lies ahead of Javier Mascherano in the midfield, he is the one player able to spot a killer pass to Messi, and from there all hell will break loose in the opposition defence. Of course there will be no chance of Germany giving Messi and co. the space they've enjoyed in their opening four matches. But spurred on by the bitter memories of their exit at the hands of the Germans in 2006 the Argentines, and Messi in particular, will be going all out to exact revenge on Saturday afternoon.
Germany – Mezut Ozil: There was a lot of fuss made of Ozil following his performances in Germany's Under-21 success in the European Championships last summer, with many wondering could he translate his silky touch, killer eye for a pass and deceptive pace onto the biggest stage of them all. Well the answer is an emphatic yes. Ozil was England's tormentor in chief last Sunday, playing an instrumental role in sending Fabio Capello's boys crashing out, and no doubt Argentina will be working all week on a game plan to try to combat the diminutive maestro who plays his club football at Werder Bremen. Ozil seems to get better as each game passes and if this trend continues there is a wondrous contest in store between him and Leo Messi in what promises to be a match to remember.
Paraguay – Antolin Alcaraz: Paraguay came into the tournament with a much vaunted forward line featuring well-known faces like Roque Santa Cruz, Oscar Cardozo and Nelson Valdez. The three have combined for a total of zero goals so far so it stands to reason that it's been their defence that's brought them this far and Antolin Alcaraz as been a key figure in their rearguard. Signed by Wigan in May from Club Brugges Alcaraz looks like being a shrewd acquisition by Roberto Martinez. Strong in the air, capable on the deck, and with a keen eye for a goal as he showed against the Italians in the Group F opener, Alcaraz and his defensive cohorts will need to be at their best to stem the Spanish tide in the last of the quarter-finals. The signs to date are that this guy is up to the task.
Spain – David Villa: What a pleasure it was to watch David Villa in action tonight in Spain's win over Portugal. The newly signed Barcelona forward once again showed why he is so highly rated, with a display that was full of endeavour, skill and no little composure as he slotted in the game's only goal, after having his initial effort saved. Were it not for Portugal's keeper Eduardo being in sparkling form Villa would have had a couple more, as a few of his long-range attempts on goal were splendidly saved by Portugal's best player on the night. As far as Spain are concerned though, and as good as Andres Iniesta was this evening, Villa was the best player on show by a distance. Already the joint top scorer in the World Cup with four strikes to his name, the man from Asturias will fancy his chances of adding to this haul against Paraguay, in what looks like the kindest draw Spain could have hoped for in the last 8. If he keeps his current level of form up David Villa will be named player of the tournament, and could very well have a World Cup medal to go alongside the European Championship one he claimed in Vienna in 2008.
One Response to "And Then There Were Eight"
David Villa is a great player there is no doubt about it. He is Spain's highest goal scorer in the World Cup and a huge asset to the team but with a weak defence and Torres not playing like he does in the premiership can Spain really go all way? There are great videos online of freestyle footballers showing off real skill like more of the world cup footballers should. Check them out at http://www.youtube.com/weareupc.


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Union, N.J. (6/29/17) - The Kean University Department of Athletics has named Barbara Perkins as the new head coach of the women's swimming team, as announced by Jack McKiernan, Director of Athletics.
"I am thrilled to have been selected as the person to bring back Women's Swimming to Kean University," stated Perkins. "With everything the revamped campus has to offer and with the support of the University, I think that this is the beginning of a new era of athletics at Kean. It is my pleasure to continue the momentum that has been established in the athletic department with the reintroduction of the women's swimming program. I am excited to create a team of driven young women who will achieve great things in the classroom and in the pool."
This will be the first collegiate head coaching job for Perkins who spent the 2016-17 season at NJAC rival Montclair State University as an assistant coach. This past season she helped the Red Hawk women's team to an 8-3 overall mark (9-3 record for the men's team as well) while finishing sixth at the Metropolitan Championships where MSU established 10 new school records. In addition to her time at MSU, she was previously the assistant at Indiana University for two seasons. At Indiana she coached 2016 Olympic gold medalists Lilly King, Cody Miller and Blake Pieroni. IU placed ninth and 10th at the NCAA Championships during her tenure.
"We are happy to welcome Barbara to the Kean University family," stated McKiernan. "She has a diverse background and I believe those experiences, along with her work ethic, will serve our student-athletes and program well."
Perkins graduated from Saint Mary's College of California in 2011 and was a member of the water polo team where she was the team captain for her final two seasons. Outside the pool deck, she is a world-ranked triathlete and a two-time Ironman 70.3 World Championship qualifier, a USAT All-American, and two time National Team USA member.
The Kean women's swimming program, dormant since 2003, is resuming as a varsity sport during the 2017-18 school year.
The addition brings the total number of varsity sports offered by Kean University to 14; eight for women (basketball, field hockey, lacrosse, soccer, softball, swimming, tennis and volleyball) and six for men (baseball, basketball, football, lacrosse, soccer and volleyball).
Kean's pool inside D'Angola Gymnasium is regulation size and is ready to host the team right away.
The program and pool records established previously are preserved in the Kean athletics archives and will be considered an official part of the program's history.
This is the first program Kean athletics has added to its offerings since men's volleyball began in the 2011 season. That program has reached incredible heights in its first seven years, including six conference championships, six appearances in the NCAA Division III National Tournament and a No.1 national ranking in 2015.
Women's swimming is the first Kean program resuscitated since women's tennis returned from a five-year hiatus in 1996. The last women's program added from its infancy to the current offerings was women's lacrosse, also in the 1996 season.
The Kean swim program will immediately join its NJAC sister institutions (The College of New Jersey, Montclair State, Ramapo, Rowan and William Paterson) already offering swimming as the sixth member of the New Jersey Athletic Conference for swimming and diving. Like all other Kean varsity sports, the program will compete at the Division III level of the NCAA.


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Some of the criticism of Labour's welfare plans is misplaced.
Some of the criticism of Labour's welfare plans is misplaced
Policy announcements lend themselves to multiple narratives. Labour's announcement of restrictions to Jobseeker's Allowance for 18-21-year-olds is no exception.
"Labour to cut youth benefits", ran the Guardian's headline, with Patrick Wintour's copy noting "The move is designed to symbolise Labour's determination to reform welfare".
Reactions on twitter fell into predictable lines:
I have a lot of respect for Rob and Alex and many others who responded in similar terms. I also think the spin on the policy was counter-productive, leaving people with the sense that Labour was simply loking for a symbolic 'get tough' policy. The cuts (savings) amount to a mere £65m, the sort of money DWP can (and regularly does) lose down the back of the sofa.
But while I don't think the policy as it stands is optimal, I don't buy the idea it was cooked up for the tabloids or potential UKIP voters either. The true narrative is one of progressive aims running up against inherited structures and prospective fiscal constraints and muddling through as well as can be expected.
Here's my understanding of the problem the policy is intended to address.
People who are attending education or training for more than 16 hours a week have no access to Jobseeker's Allowance (JSA). This means that post-secondary school training opportunities are effectively foreclosed for school-leavers from the lowest income families, leaving JSA as the only option in the absence of employment.
Because of the all-too-close relationship between family income and educational attainment, this in turn means that those who have most need for post-secondary education and training are the ones who are least likely to get it.
So why not just abolish the 16-hour rule altogether? This is where the fiscal constraints narrow down the available options.
Abolishing the rule would open up access to JSA to everyone attending FE colleges, regardless of financial need: whatever the (debatable) attractions of such a universalist approach, it would mean a major increase in spending, which for better or worse is ruled out by the party's fiscal stance.
The only other obvious option to extend financial support for training to these young people is to ration it, which is what the Youth Allowance proposals do. The rationing mechanisms are to limit financial support while in training to those falling below some minimum qualifications level and to those whose parents have low incomes.
However rationing on parental income introduces an assumption that people are still living with their parents unless there is some good reason why this isn't possible. So it looks as if young people who have done nothing wrong are being told, solely on the basis of their social class and school attainment, that if they aren't in work they will have to stay at home and undertake training.
Whether the policy is as draconian as this sounds will depend on the detail. It is notable that Labour isn't claiming it will make any savings on housing benefit from the proposal. That suggests that they expect a lot of those receiving the Youth Allowance while in training to be living away from their parents.
That makes obvious sense: some people in this age group are already parents themselves, some will have left home while in employment and lost their job, some will have moved to another part of the country to look for work, some will have had to leave home for serious personal reasons and so on.
So it looks as if the intention is that many of the hard cases that immediately spring to mind when one reads the headlines will in fact be entitled to support. But it would be foolish to underplay the risks involved in what will inevitably be a broad-brush approach. Do we really want the state deciding whether people have a legtimate reason for leaving home?
Even if there was consensus on the criteria (unlikely), do we think it would it be competent to apply them fairly?
And there are other reservations.
The conditionality imposed on those leaving school with poor qualifications looks uncomfortably like penalising people for something which (at least in many cases) is not in their control. And the policy will probably reduce jobsearch among school leavers, some of whom would have found sustained employment. Training may, on balance, be better in the long run for the majority – but not for all.
Against these reservations, the policy promises to plug a major gap in the UK skills system, providing financial support for those who need it most and access to the sort of training that is most likely to help long-term job prospects.
As I said, I don't think the policy is optimal and I've indicated some of the risks – no doubt there are more. There is obviously plenty of scope for criticism. But some of the criticism we've seen has been misplaced. Populism and symbolic posturing seem to have played little or no role in generating the policy (as opposed to the spin).
Those who dislike the policy should be asking such questions as whether the problem it aims to address is the right one to focus on, whether the policy will actually address it and whether there are other options that might do so better.
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8 Responses to "Labour's 'benefit cut' for young people: populist or progressive?"
Leon Wolfeson
I haven't read the article. Given the quote marks in the title around a fact…why should I?
I'm sure it's full of excuses, though, for another strong rightward Labour move, and the justifications it'll grant to the Tories for further pre-election cuts.
L Trotsky
What a piece of apologist nonsense
A sensible article that gives the advantages and disadvantages of the proposals. On balance, I agree with them.
It's a difficult question to answer and I understand that a variety of policies must be posited. I don't think there is any doubt that parties are trying to out-UKIP Ukip, but let's assume that this is not the only reason for the right wing policies.
The country is absolutely broke run into the ground by a succession of short sighted governments and incredibly greedy and irresponsible financiers and lazy regulators.
The money has to be hauled in from somewhere… or rather from lots of somwheres. The Tories have already said that in the next few years the welfare bill will have to be cut again and again, and even then, as old people live longer and go on claiming pensions into their 90s and 100s, stopping JSA, not allowing housing benefits for people under 35, stopping sickness benefits and demanding that the dying go back to work won't cut it.
I just doubt that young unemployed people (and I work with this group) who may well not be capable of achieving a qualification, are the best people to take the hit.
Personally I'd be after the tax dodgers. The Take That crowd who…took that! The people who are monegasque and yet operate in Britain, just to give two examples. But in reality no one is going to go for that seriously. These people have far too much power and friends in very high places.. sometimes palaces even.
But working class kids have broad backs and absolutely no connections or power at all. And better still, almost none of them vote!
It will be interesting to find out where all the college places are coming from and what kind of courses will be run to provide people with qualifications at A level standard for people who have problems with the 8 times table and reading a shopping list. Still as there will be targets for the colleges to get people through, I'm sure way will be found.
I read that, if you have a young child you will be able to continue to claim. Therein, I suspect, will lie the answer for many of these young people. Go forth and multiply, without using the 8 times table?
Leon Wolfeson
There isn't the college training capacity, no, or any realistic way of expanding it dramatically. What people will get pushed through is likely to be mass-classes of functional English and Math.
And that's why they're using an overall benefit cap…to make sure that if people do that, they won't have to pay a penny more, just reduce benefits. (And Labour have committed to doing so in-advance now, on an inflexible three-year plan…). It completely smashes the concept of automatic stabilizers….things will just get worse.
Of course this latest policy idea (or I suppose we have to use geek-speak and say "offer" these days) was designed to mollify the Daily Mail reader.
Miliband's problem is that he is frightend of his Blairite PLP and desperate to get the keys to No 10.
Fear and desperation are a toxic brew.
Miliband gives away his soft background by saying that under 21s will only get the benefit if they really need it. How many parents facing a cost of living crisis can afford to go on supporting a an or woman of 19 or 20? – especially when in his other miode the caring Ed forever goes on about the "cost of living crisis"
What about those 20 year olds who were orphaned or whose family don't care about them?. There are parents who, while they might be comfortably off, would refuse to help their grown-up children.
Not everyone grew up in Islington or had "ideal" wealthy parents.
For too long now, Labour has been the "us, too" party. The Tories dream up some draconian scheme, and Labour want to emulate it, or even out-do them. Rachel Reeves has said that Labour will be "tougher than the Tories".
Sadly yesterday's nonsense merely proves Labour 2014 either has no principles at all, or are prepared to ditch them for expedience.
It might be a good start to reduce unemployment by retaining the retirement age of 65, at least for the immediate future. It has been said a million over 65s are now working, and we have a million young people without jobs. Of course, this would be far too straightforward for the psedo-intellectuals of politics, of which all parties have more than their fair share.
A balanced, thoughtful and informative piece about a policy that has had me scratching my head since it was announced. Thank you.
It goes to show the importance of spin. The policy has been painted as being about benefit cuts, but in fact it clearly has at least as much to do with *extending* benefit entitlement to young people who are in training or education and so not entitled to benefits under the current rules.
Alas, Labour will be damned by the kneejerk Right if they talk about boosting benefits for anyone and damned by the kneejerk Left if they talk about restricting them for anyone, so they're between a rock and a hard place as usual.
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I had 4 hours between events in the city; no point taking the train back home. So I took my camera along and wandered aimlessly through the city. Leaving the busy city centre I came to the botanical gardens. I could not help merging the city ladies with the aerial root system of one of the larger specimens in the gardens. I also found this rather different view of the Sydney Opera House.
I walked between skyscrapers and looked at reflections.
One of Sydney's regular visitors, the Carnival Spirit was anchored at Circular Quay between the Harbour Bridge and the Opera House.
By now it was time to visit the Museum of Contemporary Art (MCA) and the exhibition by Anish Kapoor; Sky Mirror, Untitled, C-Curve. For more information about Anish Karpoor visit Artsy's Anish Kapoor page.
A panel discussion completed the day. Sorry, I recorded only the feet of the musician. On the way to the train station I took some parting shots of the city.
Good Night!


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BOSTON -- Former NHL player Brian Mullen is one of the few
pro athletes who has a sense of what New England Patriots
linebacker Tedy Bruschi is going through.
Mullen, like Bruschi, suffered a mild stroke, his coming in
1993. The former New York Islander made a comeback attempt two
years later after undergoing surgery to correct the heart problem
that caused his stroke, but eventually decided to retire.
"I think the biggest thing you've got to overcome is your own
mind," Mullen said. "It definitely gets in your head. You ask
yourself, 'Am I doing the right thing for my family?' "
One of the team's most popular players, the 31-year-old Bruschi
was released Friday from Massachusetts General Hospital after
spending two days there recovering from a mild stroke that caused
numbness, blurred vision and severe headaches.
He waved and smiled but didn't comment to reporters as he
stepped into a waiting sports utility vehicle and drove off.
Patriots spokesman Stacey James did not respond to questions about
whether Bruschi would be able to play pro football again.
Experts say his return will depend on the stroke's cause and
severity. A mild stroke isn't necessarily a career-ending event for
a professional athlete, but the risk is higher for someone who
takes the punishment of an NFL linebacker.
Doctors pointed to Bruschi's quick release from the hospital,
along with reports that he was walking and talking normally a day
after the stroke, as hopeful signs that he may be able continue his
career. Still, his prognosis remains uncertain because all strokes
cause some level of brain damage and can raise fears of a
"There really is no good stroke," said Dr. Larry Brass, a
professor of neurology, epidemiology and public health at the Yale
University School of Medicine.
Hockey, like football, is a fast, full-contact sport, and one of
Mullen's concerns about returning was taking a hit. When he got
past that, he had to convince his teammates it was OK to hit him in
practice. Eventually, he said, he stopped fearing that his body
couldn't take the punishment.
He looks back at his difficult decision to retire and wonders if
he should have kept trying. But he added that the stroke changed
"As an athlete, up to that point, you feel invincible," Mullen
said. "Something like that happens, and it shakes up your whole
Bruschi, a nine-year veteran, has been a key member of the
defense that helped New England win three of the last four Super
Bowls. On Sunday, Bruschi played in his first Pro Bowl in Hawaii.
His wife, Heidi, called 911 on Wednesday, saying he was
experiencing "blurred vision, numbness on the right side of his
An estimated 700,000 people per year in the United States suffer
strokes, which occur when blood flow to the brain is interrupted.
The vast majority result from clots that block the brain's
arteries. Another type involves bleeding in or around the brain,
sometimes due to ruptured blood vessels.
The hospital and the Patriots have not said what kind of stroke
Bruschi suffered.
Experts said it could be weeks before doctors pinpoint the
stroke's cause, and Bruschi's professional future won't be any
clearer until they do.
"Even if the effects of the stroke are mild, and we hope they
are, the crucial thing is determining the cause," said Dr. Robert
Adams, a spokesman for the American Stroke Association.
The damage from a stroke depends on several factors, including
how long before it was treated, what part of the brain the stroke
occurs in and the intensity of the rehabilitation.
Brass said Bruschi's apparently quick recovery could be a sign
of a specific type of stroke in which the symptoms last less than
24 hours and leave no lasting damage. A traumatic injury to a part
of the body can also damage blood vessels and lead to clotting, but
that wouldn't be a big risk once the blood vessel healed.
Tests could also reveal a predisposition to blood vessel tears
or other factors which would make a return to the field risky,
Brass said.
Strokes among people as young as Bruschi are relatively rare,
with about 30,000 to 40,000 occurring annually in people ages 18 to
50. A cause is difficult to pinpoint in many of those cases because
the possibilities aren't as obvious as they are in older people,
who often have cholesterol problems.
"It's like your car breaking down after 5,000 miles," Brass
said. "Something's wrong."


text:
Center for Educational Research
3141 Chestnut Street, Bossone 512
Philadelphia, PA 19104
Phone 215.895.2201
Fax 215.895.1092
Engineering Biotechnology
Drug Delivery is a discipline that deals with both science and engineering issues concerning effective methods for introducing drugs into the human body. We are most familiar with the oral delivery method (swallow a pill). Insulin, a hormone, is far too fragile to be taken orally as our digestive system would hydrolyse it. It is important for us to know how the body takes up and eliminate drugs. A whole discipline deals with the mathematical treatment of these issues. It develops models for the effects of drugs on the body, and how the body handles a drug. The area is too vast to cover in-depth here. We will concentrate on a brief discussion of Pharmacokinetics followed by drug delivery technologies.
site is best viewed with Internet Explorer v6 for Windows (v5 for Mac) or higher,
Netscape v7 or higher, or any browser meeting the W3C web standards.


text:
I'm delighted to share with you today a guest post by my lovely friend Rebekah. She just completed her first half marathon a couple of weeks ago, running in support of Love146. I hope you'll find her story both encouraging and inspirational, just as I did. Thanks, Rebekah!
I ran 13.1 miles and lived to tell about it!
In fact, I ran 13.1 miles in considerably less time than I expected to. My goal was simply to finish. Other goals included not meeting any paramedics along the way, not getting picked up by the pace car and, most importantly, to bring attention to a cause.
Joanne challenged us to run and spread the word about Love146. I have and am continuing to do so. Though I wasn't able to wear my shirt – temps were too hot for the long-sleeves – I have and do wear it when I'm running around town and I've placed donation envelopes at my husband's office.
Last year I set some goals for myself and this race was a big one. The Atlanta Track Club posed a question on Facebook today: "As a runner, it is so important to set goals. Let us know what you're ultimate running goal is, whether it's a certain distance, race, or PR. And press "Like" if you are confident that one day you will achieve it!" My answer was: "The best part about running is that you can always set a new goal! PR, log so many miles in a year/lifetime, longer distance, etc.. Running is for movers and shakers, baby! I set and met my half-marathon goal last month which I thought was my ultimate goal. Time for a new goal!"
I have an added motivation to running now. But it's not just about measurable goals. Running is for my physical, mental and emotional health, for my future, for an example and to see these same things happen for the millions of people currently living in slavery. Physical, mental and emotional health. Freedom.
You can do it, y'all! I know you're training. If you've never done something this big before you're thinking, "Holy crap! That's a long way!" And it is. But I did it and so can you.
I didn't start running consistently until January of last year. This time last year I could barely run a mile and a half without being really winded. I definitely wasn't running faster than 4 miles an hour. After running for 3 months I participated in a 5k race and finished in 31:30 and a year later I've run a half-marathon.
And just like you can finish this race (whichever it might be), you can be a part of something bigger. One person at a time bringing awareness about an incredible injustice, a horrible reality, and supporting change.


text:
Here at Blackthorn productions we offer a variety of options for private or public events.
Public Events packages include:
Private events packages include:
For Details on bookings, workshops, etc. please contact Ian Walsh, artistic director at 519-760-2238 or firstname.lastname@example.com
Website under Renovations
Please keep checking for updates.
Sorry for any inconvenience.


text:
The University of New England Board of Trustees is the governing body of the University.
David L. Anderson, Ph.D.
David Barber
John V. Chang, D.O. '84, M.Sc., FACEP, FAAUCM
Chris Claudio
Rita R. Colwell, Ph.D., HON '09
Mark Doiron
Diane Collins Field '81, '85
Regen Gallagher '95, D.O. '99, MBA
Grover C. Gilmore, Ph.D.
Sarae Sager
Student Trustee
Katherine Heer '90, D.M.D.
Brenda Garrand, M.A.
Cheri Walker, CPA
James D. Herbert, Ph.D.
President (ex-officio)
Joseph R. Kenneally '76, D.M.D.
E. "Story" Cleland Landis, Ph.D.
George M. Locarno '70, LL.M., C.P.A., J.D.
Dan McCormack, MBA
Kaitlyn Dal Molin
Student Trustee
Patricia J. Phillips, D.O. '85
Gloria A. Pinza, J.D.
Richard M. Roderick
Cynthia J. Milliken Taylor
Julie Mostov, Ph.D.
Mason "Skip" Irving, III
Gregg Lund D.O., M.S., FAAP
Kinna Thakarar, D.O., M.P.H.
Mark Haley, J.D.
Ralph de Chabert '69, MAT, MHROD, EdD
Trustees Emeriti
Vincent E. Furey, Jr.
Father Clarence LaPlante, O.F.M. '53
Robert McAfee, M.D.
Mildred Holbrook O'Day '47
Harold E. Woodsum, Jr., LL.B.


text:
Williams Cos. Stock Falls 22 Percent
Williams Cos. stock fell 22 percent Tuesday after the company announced it was delaying release of its 2001 fourth-quarter and year-end earnings.
The Tulsa-based energy company said the delay was to allow officials to assess financial obligations related to the spinoff of Williams Communications Group in April 2001.
The company reaffirmed its 2002 recurring earnings outlook of $2.65 to $2.75 a share. Analysts surveyed by Thomson Financial/First Call put the company's 2002 earnings at $2.63 a share.
The energy company said it expects fourth-quarter recurring earnings of 34 cents a share, down from 89 cents a share the year before.
The company expects fourth-quarter earnings from continuing operations of 13 cents a share, down from 80 cents a share the year before.
Analysts surveyed by Thomson Financial/First call put Williams' fourth quarter earnings at 39 cents a share.
Williams Cos said its expects recurring earnings in 2001 of $2.35 a share, including a charge of about 12 cents a share for credit exposure to Enron Corp., the bankrupt energy trader.
Scott E. Schubert, executive vice president and chief financial officer for Williams Communications, said the announcement of the delay "has created significant confusion" among Williams Communications investors.
But he said the internal assessment "has no direct impact" on the communications company's operations or financial performance.
"As a company, we remain focused on continued execution and delivering on our commitments," Schubert said.
Shares of Williams fell $5.36, or 22 percent, to $18.78 on the New York Stock Exchange, but gained 22 cents in extended trading.


text:
Peggy June Feris
Thursday, April 14, 2011
Peggy June Feris, 63, of Pleasanton, Kan., died Wednesday, April 13, 2011 at Willow Lane Nursing Home, Butler, Mo.
As per her wishes, Peggy was cremated. A memorial gathering will be held from 3-5 p.m., Saturday, April 16 at the Coffel-Schneider Chapel, Pleasanton, Kan. Memorial contributions are suggested to the American Cancer Society.
Online condolences may be left with the family at www.coffelschneider.com
Arrangements: Coffel-Schneider Funeral Home, Pleasanton, Kan.


text:
Microsoft Dynamics is a great CRM. The only downfall is that the integration with Gmail is exceptionally poor. It is hard to find a good CRM system out there. We looked into some but were not able to choose a good one. Salesforce is too expensive. Insightly is too basic and does not do any type of rules management.
Stripe does not have any major limitations. In general, it is a good tool. The only issue is that they do not have the ability to auto-renew.
We are loving it. It is a great startup. You can use it in different ways depending on how you stack it. Transactional emails and marketing emails are very effective. What is really impressive is their ability to bypass spam, which would block most traditional marketing emails.
We use Google Docs but it is kind of the wild, wild west. It is not very intuitive or coordinated. For example, if one employee leaves the company, we have to remove that person's access from all the documents.
We use the enterprise version. We are happy with it. It scales nicely.
Super efficient, everything is automated. To have a staff person handle payroll would be pretty expensive. No cons.
We use Basecamp to manage all things IT-related. For internal management, we use Microsoft Dynamics.
We use Basecamp to manage all things IT-related. For internal management, we use Microsoft Dynamics.


text:
Thursday 14 May 2015 - SA Lotteries is searching for a mystery Keno Spot 10 winner who won more than $2.2 million this week with a ticket purchased in the Adelaide suburb of Magill!
The winning Keno Spot 10 entry in Keno draw 1987179 on Tuesday 21 March was purchased from Magill Papershop, Shops 7 and 8 in Magill Shopping Centre, 587 - 591 Magill Road in Magill.
Gail Rost is the owner of Magill Papershop and said since the news of the Keno Spot 10 win got out, the store had been buzzing.
"The community is thrilled that somebody who lives locally may have won!" Ms Rost exclaimed.
"That means there could be a multi-millionaire in our midst! Just imagine what you could do with $2.2 million!
"It really is a thrill and I'm very happy for our winning customer - whoever they may be!"
SA Lotteries spokesperson Claire Taylor is encouraging anyone who purchased a Keno Spot 10 ticket in Magill to check it as soon as possible.
"This Keno Spot 10 winner has a very valuable ticket sitting in their wallet, pocket or maybe in the glove box of their car," Ms Taylor said.
"If anyone thinks they have the winning Keno Spot 10 ticket, we recommend that they keep it in a safe place and contact SA Lotteries as soon as possible to claim their prize."
SA Lotteries encourages players to register their purchases to an Easiplay Club card.
The Keno Spot 10 prize is now $1 million and the jackpot will grow after each draw until it's won! Buy a Keno Spot 10 entry from any SA Lotteries outlet today for your chance to win!
Keno draw results are available online at SALotteries.com.au.


text:
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I have been away so long from my blog, this is what has had me busy. We enjoy camping in Uwharrie National Forest in North Carolina. I have not made a new card in a while now. I did return home for the National Scrapbook weekend for our scrapbook group. We all had a great time. But I am gone again, but this time I have wifi so I can update some pages and show some of the great photos of the National Forest.
We also enjoy Gold Panning
Some of the "Friends of the Forest"
I enjoy the wild life of the Uwharries
We also visited the North Carolina Zoo, below are just of few of the animals.
Thank you for dropping by and visiting me.


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Dani is the template you were waiting for. It is the perfect way to showcase your portfolio with a smooth and creative visual experience. The simplicity of Dani will ecstasize you and it gives you the possibility to finish your site short period of time. Your visitors will love it.


text: Hi Martin, On 5/18/10 6:58 AM, Martin Storsj? wrote: > On Mon, 3 May 2010, Martin Storsj? wrote: > >> On Mon, 26 Apr 2010, Martin Storsj? wrote: >> >>> On Thu, 22 Apr 2010, Martin Storsj? wrote: >>> >>>> On Thu, 22 Apr 2010, Baptiste Coudurier wrote: >>>> >>>>> Well, can you please merge the patches related to the muxer ? >>>>> It's hard for me to review all the separated changes. >>>> >>>> Ok, merged most of patches that add new functionality. >>>> >>>>> Also I find MKTAG('a','b','c','d') without the spaces between the ',' >>>>> easier to read. >>>> >>>> Done. Or do you want me to use AV_RL32("abcd") in the places where >>>> feasible, even though it's a little less consistent with the rest of the >>>> file? >>>> >>>>> The tref atom function should be mov_write_tref_tag, MOVTrack should contain >>>>> tref_id and tref_tag to make it generic because it is used for chapters as >>>>> well. >>>> >>>> Done - these patches now are written on top of David's patches for writing >>>> qt chapters (that still are pending re-review iirc)? >>>> >>>>> Also the code writing stss atom should be generic, ie not dependent of the >>>>> source track being a video track. Either the track has keyframes or only >>>>> keyframes, the current code should behave correctly and the condition should >>>>> be basically: tag == "rtp " || codec == VIDEO >>>> >>>> Fixed. >>>> >>>>> Also the hint_track and src_track fields confuses me, either it is an index or >>>>> a track, but I'm tired atm ;) >>>> >>>> Fixed, both are indices now. >>>> >>>>> Finally, do use av_new_stream for the hint tracks, add them internally, this >>>>> will have side effects on the interleaving when muxing. >>>> >>>> I guess you meant "do not use" here. Fixed, by creating only a new >>>> internal MOVTrack, just like the qt chapters patch does, without any >>>> corresponding AVStream. >>> >>> Here's an updated series, compared to previous version, there's only some >>> minor changes to part 5, for unwrapping 32-bit RTP timestamps into linear >>> 64-bit pts/dts fields. >> >> Ping - any objections to applying this (once the mov/qt chapters stuff is >> committed), given that Luca and Michael have ok'd it and I've addressed >> Baptiste's comments? > > Ping2 > > Any update on when you can have another look at this? This is soon a month > old... I apologize for the delay. The changes to movenc looks good to me. Apply anytime. -- Baptiste COUDURIER Key fingerprint 8D77134D20CC9220201FC5DB0AC9325C5C1ABAAA FFmpeg maintainer http://www.ffmpeg.org


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For the second day of my 14 Days of Loving-Kindness Challenge, I'm focusing on school counselors or a school helper or mentor, basically a person who provides support and guidance for our child's learning and life. I know with Wild Thing, just 4, that's what we will do -- discuss who he feels provides guidance for him or perhaps a person who has made starting preschool more inviting for him and do something nice for that person.
I'll also be sending thank you letters -- hand-written thank you letters, not an email or Facebook message -- to 2 counselors who were significant to me. Plus, I'm highlighting a counselor here too: Barbara from The Corner On Character with a guest post about school counselors and some ideas on how to show them love and kindness this week.
Hello from Barbara at The Corner On Character.
Did you know that the first week of February is set aside every year as National School Counseling Week so that school families everywhere can celebrate their counselors? This year's theme is: School Counselors - Building Magical Futures. What a great job that is, to help young people imagine and then build a magical future. I've been in the role of school counselor since 1994 and what a blessing it has been. Done right, school counseling is at once exhausting yet energizing, can be painful yet peace-filled, and is often harried yet hopeful. School counselors are privileged to help shape hearts and minds for the future, every day. Talk about magical.
In case you're wondering what exactly a school counselor does? Here's a list from my counseling brochure:
1. Connects with and counsels individual students and small groups for assistance with study skills, grief/loss issues, time management, social skills, stress management, self-esteem, listening skills, friendship issues.
2. Consults with teachers and parents to facilitate communication, serves on the Problem Solving Team (PST) and helps with Response to Intervention (RtI) process to help promote student success.
3. Implements a classroom guidance curriculum to encourage and engage students as they practice conflict resolution, problem solving, motivation to achieve, decision making, responsible behavior, being a good friend.
4. Facilitates character integration into the school community and create partnerships with businesses in the greater community. This includes coordinating service-learning opportunities.
5. Guides students through academic and social/emotional development.
6. Assists in age-appropriate assessment of students.
7. Makes appropriate referrals for additional student services as needed.
8. Coordinates school and community personnel for student resources.
9. Helps to maintain student records.
10. Follows the professional ethical standards for school counselors.
School counselors also provide a safe haven for staff members to reflect and process feelings when times get tough personally or professionally and, of course, refer out as needed. A huge part of my job is to keep my finger on the pulse of our family members so that school morale and climate is healthy and strong.
None of this happens in isolation or by chance. School counselors work diligently to build bridges and make connections so that we're the trusted resource when our school family needs support, assistance, understanding and love.
How is my school celebrating? This year we're partnering with SOUPer Bowl of Caring and hosting a food drive. In years past, we've held book drives, sock drives, diaper drives, even the Undy 500 one year, a drive to collect underwear for children in an orphanage in the Ukraine.
And how does my school celebrate me? I've been blessed with some very generous families who over the years have showered me with little tokens of their appreciation and pampered me by delivering a caramel macchiato from Starbucks or a lunch from a local deli, by sending in a bouquet of home-grown flowers, a fragrant candle, a bottle of hand cream, some hand-dipped chocolates. I love when the kids write or draw their sentiments for me for my Smile File.
One year I received 200 4X6 index cards from each student in the third grade telling me what they found special about me. Another year a first-grade class made a video of each student telling me in their own words what it is they think I do and what I mean to them. Those kind affirmations keep refueling my emotional reserve every time I start running on empty. Knowing that I'm in a position to positively influence someone is one thing, but reading in a booklet or on a card what I specifically did to impact someone's life for the better is like icing on the proverbial cake.
Personally, I equate school counselors with loving kindness.
How will you celebrate your school counselor this week? Thank you, Jennifer, for the opportunity to stop by and showcase some of the super stuff that I get to do as I work with my school family to build magical futures.
Catch up on the 14 Days of Loving Kindness Challenge part of #Compassion2014:
|Daily Prompts
|Day 1 for the Family


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You're Watching Pinoy Teleserye It's Showtime June 12 2019 Full Episode Replay has been released. Abs Cbn Pinoy1Tv It's Showtime June 12, 2019 HD Quality Video Free Download. Lambingan will always be the first to have the It's Showtime so please Bookmark our site and add us on Facebook for more updates.
It's Showtime June 12, 2019 Teaser
Show Name: It's Showtime
Pinoy Network: ABS-CBN
First episode date: October 24, 2009
Director: Bobet Vidanes
Theme music composer: DJ MOD; Bobet Vidanes
Awards: PMPC Star Awards for TV Best Male TV Host


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NEW HARP 2.0 Interest Rate Reduction Program
HARP is a federal government program that originated in March 2009 designed to help 5 million underwater or near-underwater homeowners refinance into a fixed home loan with a lower monthly payment.
However, many consumers are still unaware of the existence this fantastic program and the benefit it can provide them. On Oct. 24, 2011, President Obama announced an overhaul to the HARP program with the goal of reaching more underwater homeowners. The new expanded HARP program (now often referred to as HARP 2.0) took effect on December 1, 2011 for all borrowers with a loan-to-value ratio of less than 125 percent. In the first quarter of 2012, borrowers with a loan-to-value ratio of greater than 125 percent also became eligible. The program has been extended to run through December 31, 2013 to provide as much assistance as possible.
How to Qualify for HARP 2.0
To be eligible to refinance under HARP, consumers must meet all of the following requirements:
- You must have closed your current mortgage on or before May 31, 2009
- Your mortgage must be owned or guaranteed by either Freddie Mac or Fannie Mae
- You cannot have refinanced under HARP previously unless you have a Fannie Mae loan that was refinanced under HARP from March-May, 2009
- You must be current on your home loan
- You cannot have made a late payment within the past six months or more than one late payment in the past 7-12 months
The loan-to-value ratio must be greater than eighty percent
Your loan needs to fall under the current conforming loan limits. A conforming loan is one that falls at or below the maximum financeable amount allowed by the FHFA. Typically, the maximum amount financed is $453,100, although in some high cost areas defined by the FHFA the maximum amount can be increased to $679,650.
How to Find Out If Your Mortgage Is Fannie Mae or Freddie Mac
Check both Fannie Mae and Freddie Mac's websites or call their toll-free phone numbers for confirmation.
Fannie Mae: 1-800-7FANNIE (8 am to 8 pm ET)
Freddie Mac: 1-800-FREDDIE (8 am to 8 pm ET)
Freddie Mac and Fannie Mae are two separate government-sponsored enterprises (also known as GSEs) that buy and guarantee about fifty percent of all outstanding mortgages.
You can do a look up of your loan here:
To break it down, lenders and banks make home loans to borrowers and then proceed to sell them to Fannie Mae or Freddie Mac. Most banks sell many of the loans they make to Fannie Mae or Freddie Mac as a common practice with some exceptions–Veteran's Administration (VA) or Federal Housing Administration (FHA) loans for example.
HARP and Foreclosure
Unfortunately if you are at risk of home foreclosure, you will not be able to qualify for the Home Affordable Refinance Program. However, if you are current on your loan but need a smaller monthly payment due to an impending inability to pay your mortgage, then the HARP program could possibly help you avoid foreclosure.
Previous Refinance and HARP
If you have refinanced with HARP a few years ago, your mortgage cannot be eligible for HARP 2.0. Learn more about the HARP 2 Limitations. Keep in mind however that there is one exception to this rule; if you hold one of the few Fannie Mae backed mortgages that were refinanced under HARP from March-May 2009, you are likely still eligible.
HARP and PMI
Many consumers are concerned that they will have to pay private mortgage insurance, or PMI, when refinancing with HARP. However, if you were not required to get mortgage insurance when you purchased your home, you will not be required to get it when you complete a HARP refinance.
United Mortgage Corp is a mortgage banker with Fannie Mae and Freddie Mac agency approvals. We are not encumbered by overlays, and are a full open access lender.
- Unlimited CLTV
- Appraisal Waiver if Qualified
- LTV's up to 80% available
- High Debt Ratios Allowed- We Do EA 1, 2 & 3
- Based on DU (Fannie)/ LP (Freddie) findings
- No Additional Underwriting Overlays
- Quick Turnaround / Great Rates
"Celebrating over 20 Years of Mortgage Banking Success!"
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