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$25 Billion Settlement with Big Banks May Actually Benefit Them
Yes you are reading the headline correct. The $25 Billion settlement that 49 attorney generals negotiated with the large five banks, which is being described as a punishment, may actually benefit the banks.
WARNING: This article will contain more details than my average post, but just stick with it. I recommend reading the entire article but if you are familiar with the details of how loans were originated and ownership structure, skip down to Part 2.
Part 1: Brief History
Let me first start off by providing a very brief explanation on how many of the bad loans from 2002-2007 were created. We are all familiar with the 100% Loan in which a home buyer could purchase a home with no money down. Some loans even went as high as 110%. These were very different than the conventional loans that required a 20% down payment. After the bank originates a loan, they package the loan into portfolios and sell them to investors, but the bank normally retains the Mortgage Servicing Rights (MSR). What is MSR? The bank collects the monthly payment from the borrower and then pays the investor, but charges the investor a fee to service the loan.
But the banks had a problem. They had trouble selling 100% loans to investors. Investors wanted some skin in the game from the borrower but with the booming housing market, a huge government push to increase homeownership and insurance companies such as AIG willing to insurance everything, the big banks came up with the "perfect" loan. It was the 80/20 loan. To the borrower, it was still 100% financing but to the finance world it was a loan made up of two loans. The 80% 1st loan was originated by the banks and sold to investors like normal, but the 20% 2nd loan was in many cases the actual banks money.
Main thing to remember at this point: The 1st loan is made up of investor money (not the big bank's money) and the 2nd loan is made up of big bank money. It is also important to note that 60-70% of all 2nd loans are owned by the big banks.
Now comes the housing crash. The economy took a turn for the worst and the housing bubble popped and we saw prices plummet. In the Bay Area of Northern California where the majority of my business is, prices were greatly inflated and dropped 80-90% in some areas! So what happens to the loans on a distressed property? Well, the 1st loan has top priority over the 2nd loan meaning in the case of a Short Sale the 2nd loan gets paid a few thousand dollars and the 1st loan gets the majority of the proceeds. SIDE NOTE: A Short Sale is when a home owner sells the property for LESS than what is owed in loans. Now what happens if there is a foreclosure? Then the 2nd loan gets wiped out completely meaning they get $0 and the 1st loan takes back the property. In a case of a loan modification, the 2nd loan has to write down losses first before the 1st takes losses.
So in short, with the housing crash and massive foreclosures, banks were recording massive loses because the foreclosures were wiping out their assets on 2nd loans. The banks did not own the 1st loans, they only serviced them on behalf of investors but the banks actually owned the 2nd loans. Keep this in mind, at one point JPMorgan Chase's stock was worth $198 Billion yet they owned a little more than $200 Billion in 2nd loans. This was also a conflict of interest in my opinion when a bank like Chase serviced the 1st loan and also owned the 2nd loan. How can they truly service the 1st loan on behalf of investors when they knew they would wipe out their own money in case of foreclosure?
I truly believe that all the foreclosure delays created in the past several years on a national scale by our government have been ways to keep the big banks alive. If the foreclosures continued at the rate they were happening, many more banks would have been wiped out and the credit market could have been much worse. This would have then made our economic recession into a sure depression. So this is one of the reasons why foreclosures have been delayed and there is a huge backlog, also a reason why Short Sales take so long to be approved, IF they even get approved, and a reason why many attempted loan modifications fail.
Second thing to remember at this point: With distressed properties, the 1st loan would get back about 25-50 cents on the dollar of their original investment, sometimes more. But the 2nd loan would get back 1-10 cents on the dollar, if they were lucky enough. Obviously a big difference but the 1st loan has top priority over the 2nd according to principles of contract and property law.
Part 2: Back to the $25 Billion settlement.
A part of the settlement changes how liens are prioritized by making the 1st and 2nd loans share losses equally. In simple terms, if the property value is half of what the original loan amounts total then both the 1st and 2nd loans take a 50% loss. This basically means the 1st loan (owned by investors) gets less and the 2nd loan (owned by banks) make more. According to CoreLogic, 11.1 Million borrowers are underwater and 4.4 Million have both a 1st and 2nd loan… that's a HUGE pay raise for owners of the 2nd loans.
So in your opinion is this "punishment" really a punishment? The big banks will essentially be credited for the $25 Billion payout by making more money on the 2nd loans. Also remember that the $25 Billion payout is split among the top five big banks. JPMorgan Chase made $18.9 Billion Net Income in 2011 so this payout for them, and the other banks, are basically 1 or 2 month's worth of profits. Rumors right now are that investors that own 1st loans are planning a lawsuit to battle the settlement.
The potentially good news? With the 2nd loans now making more money on distressed properties there may be a lot more motivation to foreclose, approve short sales and approve loan modifications. Or maybe foreclose and turn properties into rentals, making the bank even more money…
Marc Guzman


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- Pass on this one, fellas... Review by Jupiter
I'm sure Ron Herman's a great guy, so I hate to say this, but there's little in this 6 hours that matches the product description. There isn't even ONE MINUTE of tool restoration, just Ron talking (and talking, and talking) about various tool types, using a wire wheel to take off rust (!), and sharpening blades on a Tormek. Absolute rank beginners _might_ need Ron's advice for selecting planes or chisels or mitre boxes, but that's sure not restoration, and frankly, some of what he said (like some of his comments on chisels) seemed "a bit off." I don't expect any woodworker, no matter how experienced, to tell me I don't need a mortise chisel, for instance. It was irritating how he kept referring to his "other videos" on restoring planes or saws... what the heck was THIS one supposed to be? The video really seems like a slap-dash production, with lots of places needing some very strong editing, especially at the end where Ron just loses it and becomes a zombie, probably from talking non-stop for six hours, and has to be coached on what to say by the off-camera crew! It sure would have been nice if the Popular Woodworking folks had produced for us a DVD on TRUE restoration, with topics like gentle rust removal, japanning repair, saw blade straightening, tuning up old wooden planes, and tool handle making (Roy Underhill and Bill Anderson, where are you?). Six hours would be plenty of time for that.
(Posted on 5/8/2014)
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Thu, 02/12/2010 - 16:16
Booksellers in parts of the country suffered a dramatic drop in footfall this week as the UK was hit by unexpectedly early and harsh winter weather.
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Tue, 30/11/2010 - 23:59
Piccadilly Press has acquired two novels from journalist and teen fiction writer Caroline Green.
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Faber is publishing an e-book app on the solar system in its first collaboration with digital publishers Touch Press.
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Random House Children's Books has restructured its fiction team, making two new appointments and promoting three team members.
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UPDATE on the story from The Associated Press:
"The man who accused Elmo puppeteer Kevin Clash of having sex with him when he was a teen now says it isn't so.
The man is now saying his sexual relationship with Clash was adult and consensual.
In response to the statement Tuesday afternoon, Clash issued a statement of his own, saying he is "relieved that this painful allegation has been put to rest."
The man, who has not identified himself, released his statement through the Harrisburg, Pa., law firm of Andreozzi & Associates."
Below is the original blog and story from The Associated Press:
Kevin Clash, the longtime puppeteer of Elmo on Sesame Street, has been accused of having a relationship with an underage boy. Clash denies it. Sesame Workshop investigated and said while he exercised some bad judgment, the company couldn't substantiate the underage aspect. But now the puppeteer is on leave to defend himself.
Sesame Street is in production and a source close to production said Elmo would be in the shows with or without Clash there to perform.
Here is the full story from AP:
NEW YORK (AP) — The puppeteer who performs as Elmo on "Sesame Street" is taking a leave of absence from the iconic kids' show in the wake of allegations that he had a relationship with a 16-year-old boy.
Puppeteer Kevin Clash has denied the charges, which, according to Sesame Workshop, were first made in June by the accuser, who by then was 23.
"We took the allegation very seriously and took immediate action," Sesame Workshop said in a statement issued Monday. "We met with the accuser twice and had repeated communications with him. We met with Kevin, who denied the accusation."
The organization described the relationship as "unrelated to the workplace." Its investigation found the allegation of underage conduct to be unsubstantiated. But it said Clash exercised "poor judgment" and was disciplined for violating company policy regarding Internet usage. It offered no details.
"I had a relationship with the accuser," Clash said in a statement of his own. "It was between two consenting adults and I am deeply saddened that he is trying to characterize it as something other than what it was."
Sex with a person under 17 is a felony in New York if the perpetrator is at least 21. It was unclear where the relationship took place, and there is no record of any criminal charge against Clash in the state.
Clash, the 52-year-old divorced father of a grown daughter, added, "I am a gay man. I have never been ashamed of this or tried to hide it, but felt it was a personal and private matter.
"I am taking a break from Sesame Workshop to deal with this false and defamatory allegation," he said.
Neither Clash nor Sesame Workshop indicated how long his absence might be.
"Elmo is bigger than any one person and will continue to be an integral part of 'Sesame Street' to engage, educate and inspire children around the world, as it has for 40 years," Sesame Workshop said in its statement.
"Sesame Street" is in production, but other puppeteers are prepared to fill in for Clash during his absence, according to a person close to the show who spoke on condition of anonymity because that person was not authorized to publicly discuss details about the show's production.
"Elmo will still be a part of the shows being produced," that person said….
Clash has won 23 daytime Emmy awards and one prime-time Emmy.
Clash has been a puppeteer for "Sesame Street" since 1984, when he was handed the fuzzy red puppet with ping-pong-ball eyes and asked to come up with a voice for him. Clash transformed the character, which had languished as a marginal member of the Muppets family for a number of years, into a major star that rivaled Big Bird as the face of "Sesame Street."…
So what do you think: Do you even mention to the kids who are watching that Elmo might sound different or wait to see if they notice? Do you think you would notice a difference?
What do make of Sesame Street getting dragged into controversies: Katy Perry's video with the questionable outfit a few years back, Mitt Romney's quote on Big Bird and now this?
November 13th, 2012
2:01 pm
No you don't. See here is one of the areas parents should exercise the right to let children live in bubble wrap. Just because we live in a world where accusations like this come up does not mean that we have to tell the kids. No I do not think they will notice a huge difference and the answer is Elmo is 3 he is still trying to find his big boy voice!
Perhaps Mitt was right and it is time that public spending on Big Bird (who I find annoying but I love Cookie Monster!!!) needs to go away.
November 13th, 2012
2:04 pm
Let a private company pick up the Sesame Street show and work all these issues out. (Nickelodeon or Disney–more likely Disney as they have a relationship there already—would be happy too).
November 13th, 2012
2:26 pm
Why would you draw attention to something like that? That will only confuse kids and then you will have to answer a bunch of questions on why his voice has changed. KIDS watch Sesame Street and probably won't notice.
November 13th, 2012
2:33 pm
Ditto what the three previous said. There's just no need to alert the kiddies….this is beyone them. Let them enjoy SS and being children.
November 13th, 2012
2:41 pm
I suppose it might depend on the age of the kids? Very young kids might not notice, but if they do, you might find some likely excuse. . . "maybe he has a cold?" Older kids, you might just explain that sometimes on TV, the actor that portrays a character sometimes has to be changed, either for a little while, or permanently, but the character gets to live on, and it might be a little disappointing to have the character be acted by someone else, but you can still enjoy the show if you accept that.
That way, you don't have to get into discussions which are not age appropriate, seems like.
November 13th, 2012
2:42 pm
Do not involve children in the illegal and immoral behaviors of adults any more than is absolutely necessary. They learn too soon as it is.
November 13th, 2012
2:44 pm
1.) Sesame Street did it's own investigation and "Its investigation found the allegation of underage conduct to be unsubstantiated"
2.) The reporter checked and "There is no record of any criminal charge"
3.) Clash has stated "I am taking a break from Sesame Workshop to deal with this false and defamatory allegation"
In today's atmosphere of witch hunting if someone is even accussed of sexual misconduct – presumed guilty regardless of whether or not innocent, Clash has done the most reasonable thing he can and that is to go into preservation mode and try to fight back against the accuser. Accuser said underage, but Sesame Street indicates met multiple times and also communications outside that and they could not substantiate the accusation. Who knows what the relationship dynamics were or are – perhaps legitimate, but perhaps accuser has an axe to grind? Fastest way today to destroy a man (or woman) is accusation of being a pedaphile – boom – life over.
November 13th, 2012
2:45 pm
You mean Elmo is not real???
Why would ne need someone else to "do" his voice???
November 13th, 2012
2:46 pm
I think Big Bird set him up!
November 13th, 2012
2:48 pm
Nope..Pretty much like everyone else said, why would you? Most kids most likely won't notice the different voice..
November 13th, 2012
2:52 pm
I thought the pupeteer and the voice were different people. Is that wrong?
November 13th, 2012
2:56 pm
We didn't need to explain Darrin No. 1 and Darrin No. 2 (hell, they had the same first name, Dick) and we didn't broach the subject about Kermit's voice changing after Jim Henson died. There's enough talent out there that the kids probably won't even notice.
November 13th, 2012
2:57 pm
This is almost as scandalous as when the world found out that one of the Scrubbing Bubbles characters on the bathroom cleanser containers was gay.
November 13th, 2012
2:57 pm
No one said anything when Mickey's voice changed, and it is VERY different. Same goes for Miss Piggy. I think that if they can't get someone to sound just like Clash doing Elmo, then they aren't even looking for voice talent.
November 13th, 2012
3:01 pm
Do you even mention to kids that Elmo voice may be different guy?
No. Like all kids watching cartoons, they will figure it out for themselves. It is part of realizing that cartoons are not real, puppets are not alive, and all voices are real people who die/move on. To this day, I simply cannot watch any of the "later" Peanuts specials (with my kids) because the voices are not right.
Kids do not need to know that the voice changed because the other voice was a pedophile. When looking back, TWG, you will realize that this is the most stupid blog you have ever written.
November 13th, 2012
3:01 pm
WHAT????? A scrubbing bubble is gay? O M G……what is this world coming to? Now we have gay cleaning bubbles….oh no….say it isn't so……
November 13th, 2012
3:04 pm
why would you tell kids that?
i am glad my parents did not give me all the facts and that i had a somewhat sheltered normal childhood
quit making everything so sensual and weird in life.
November 13th, 2012
3:07 pm
I don't think you have to tell your kids about Kevin Clash's issue if they notice Elmo's voice has changed.
But, if you are a parent and you do not discuss how to avoid sexual predators, do not tell your children the correct name for their private parts, and try to avoid this topic altogether than you are a dolt that will most likely have a child who is a victim of sexual abuse.
November 13th, 2012
3:14 pm
Leslie, the slur in you comment is disgusting.
No, the kids don't need to know. The other Muppets have had different voices over the years too, do parents feel the need to explain those also?
November 13th, 2012
3:15 pm
This brings a whole new meaning to Tickle Me Elmo O_o
November 13th, 2012
3:16 pm
Why would you? To them, "Elmo" is much more than the person controlling the puppet and, to this extent, it's doubtful they have given little, if any, thought. Why change that? And, if you do make that decision, then why and what is the benefit?
November 13th, 2012
3:21 pm
No you've got me wondering why Fred Flintstone's voice changed.
November 13th, 2012
3:25 pm
No. No way do kids need to know that the puppeteers at Sesame Street might be gay perverts. I'm just happy the news is out so we can finally have a good excuse to not let our kids watch it. Elmo is creepy anyway. Now, we all kind of know why that may be.
November 13th, 2012
3:28 pm
Seriously, if this is your biggest issue in your day, you either need to fall to your knees and thank whoever your "god" is, and/or get a life.
November 13th, 2012
3:30 pm
You must be out of your mind to even ask this question. What is it about so many parents these days that think that there toddlers are small adults and need all adult topics explained to them. Get a grip and treat your children like the children they are. Explain why Elmo has a new voice? Most children will not even notice as long as Elmo is acting the same. If your toddler is asking questions about Elmo and his alleged behavior then you need to take a serious look at your parenting skills.
November 13th, 2012
3:34 pm
Elmo isn't real?
November 13th, 2012
3:36 pm
@Michael But if they were straight perverts, that would be okay, right?
November 13th, 2012
3:36 pm
If Elmo is gay (not that anything is wrong with that), the children have a right to know the truth.
They already know about Bert and Ernie anyway.
November 13th, 2012
3:40 pm
Leslie, it is sad that you had to make such a comment. It reminds me that there are people out there who still think that way. Gee, do you teach your kids things like that? Just saying…
November 13th, 2012
3:41 pm
Oh, and Michael, nice open minded thinking there!
November 13th, 2012
3:45 pm
Okay no i didn't finish reading the article and no I didn't finish reading all the comments but to the few I saw that said:
1 Romney is right about ending Big Bird- you're an idiot. Not everyone in this world can afford cable- Big Bird is one of the few educational shows they have. And it costs next to nothing in contrast to our budget.
2 Sesame Street is privately owned and receives federal funding as part of PBS. If it was not part of PBS it would be run on another channel. So all of you out there saying to turn it over to the private companies are also stupid. Didn't you hear about the people of Sesame Street asking Obama not to use Big Bird in his ads?
3 You're dumb to bring politics into this article. Not everything has to do with Repubs v Dems
Now to the article.. No of course you don't tell you're kids. What kind of an idiot would even write an article like this? It's so pointless? Could you really not get anymore information for a relevant article than"Do you tell your kids?"
November 13th, 2012
3:47 pm
Is this for real? For the love of God, what's wrong with parents nowadays? How about letting a kid be a kid? Who the hell cares who is voicing Elmo? I'd be much more concerned at the amount of time your child spends in front of a computer having it 'think' for them… You don't have to hover over your child for every fart in the universe… These kids are over structured to death at an early age. I think the worst thing though was the invention of the annoying 'play-date' …… kids should be kids, not only a kid from 3 to 4:30 on Thursday the 18th so you can watch every snot they pick out of their nose… these kids today have their parents so far up their asses that they never develop any individuality in their personality, they become their parents at an early age and their creativity during the crucial developmental years is choked off. Kids don't need to know anyone voices Elmo. Just tell him he's real and from another planet and leave it at that.
November 13th, 2012
3:50 pm
Apparently James was NOT loved as a child…..
November 13th, 2012
3:50 pm
Did they mention that Jim Henson no longer did Kermit's voice?!
November 13th, 2012
3:52 pm
Snuffolupagus was made to be real by parents' concerns about imaginary friends….give it a break! And like Meghan posted, Jim Henson passed and his son took over Kermit's voice. So what?! A Muppet is loved, not matter what. Did they state "Mr. Noodle" actor died of AIDS? Doesn't matter.
November 13th, 2012
3:54 pm
@Leslie, what a truly disgusting and intolerant comment. Thank goodness the haters like you lost elections last week. As for Elmo, I have no problem if Kevin Clash is gay; I do have a problem if he entered into a relationship with someone who was underaged at the time. Hopefully the facts will show he did not and that he is innocent, which we should assume he is unless proven otherwise. And no, there's no point in telling any of this to young kids.
November 13th, 2012
3:57 pm
All of my kids are to old for sesame street (they are teens), my bigger concerns is the fact that there is no mention that a 47 (or 49 if he waited to have sex until the minor was 18) man was having sex with a 16 year old and it seems like most are ok with it???? I sure would not want some 47 year old wrinkled dude touching my 18 year old son. WTF?
November 13th, 2012
3:58 pm
OMG… I remember how traumatized I was when Dick York left Bewitched. And then we found out his replacement was gay… then we found out the dad on Brady Bunch was gay. And then Rock Hudson… and Chuck Connors. What's next… are we going to find out Bart Simpson is actually a girl???
November 13th, 2012
4:06 pm
Oh for goodness sakes, stop overthinking this. You do not have to tell your kids a darn thing. The world didn't end when they switched out a Wiggle, Elmo getting a new voice will be just fine.
And Leslie—-I pity you, it must really suck to live with so much hate.
November 13th, 2012
4:10 pm
Does this mean there will be a "Touch me, Elmo" doll for the holidays? Will it be a must have toy?
November 13th, 2012
4:13 pm
H E double toothpicks NO!!! Kids ask enough questions. Unless the voice VERY different, they won't notice. Have they noticed that Bewitched has two different Darrens? There is no need to prompt them into conversational territory they may not be ready. Kids will ask questions when they're ready to hear the answers. You'll get enough 'why do those people talk different, why is that lady so fat, why doesn't Angela's mother make tortillas etc., etc., etc., Then there are the even more interesting like what vous dire mean- what? seriously? where the H E double toothpicks did that come from? All I can say is Thank God for wikipedia…
November 13th, 2012
4:22 pm
I had a feeling Elmo might have been a little limp-wristed. I think Mr. Noodle may be too.
November 13th, 2012
4:23 pm
Did anyone else notice the error in the title? This article is trash.
November 13th, 2012
4:25 pm
really? REALLY? I'd love for the ajc to develop a way that I could read the on-line version without having to see your blog titles. Everytime I think they could not be more inane, you prove me wrong.
November 13th, 2012
4:45 pm
Momania is a great title for this blog. It is a great illustration of the over-parenting that goes on today. I look at it regularly–mainly when I need a good laugh. Talk about this with my kids? Not in this lifetime. They do not watch enough TV to recognize Elmo's voice. They are not adults and I do not treat them as adults. Let them be kids. If you have to write a blog why not start looking at topics that might have a positive effect—such as turning off the TV and reading to your kids. Encourage play time without a stupid play date. Reasonable parental involvement in school—not micromanaging and not ignoring it either. But discussing this Elmo problem with them? About the same time I discuss Bill Clinton and General Petraeus with them.
November 13th, 2012
4:51 pm
[...] email to accuser apologizing for …New York Daily NewsChicago Sun-Times -E! Online -Atlanta Journal Constitution (blog)all 1,270 news [...]
November 13th, 2012
4:56 pm
I wonder if Mr. Clash is going to eat @ Chic-fil-a .
November 13th, 2012
5:02 pm
Lucas McCain was gay??
November 13th, 2012
5:08 pm
So Elmo is sexually abusing kids and Big Bird wants more taxpayer money.
November 13th, 2012
5:08 pm
TMI for the little ones. This is way tooo easy to make a crack about. So I'll leave it at that


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Vesuvius on Horseback
Why not see the volcano from a different point of view? Instead of taking the bus with all the other tourists, Hostel of the Sun is now offering trips up the mountain by horseback! Trips leave the hostel at 9am when you will be taken by coach to the bottom of the menagerie at the bottom of the mountain. From here a guide will give you a full safety explanation (for those of you who need it), and will also accompany the group on the whole ride up and down the mountain.
You won't be going along the roadway but up through the forests of the Vesuvius National Park, stopping half way to take in the breathtaking view over the Bay of Naples and eventually coming out by the crater on the top of the volcano. You'll then ride down again to where the coach will be waiting to take you either over to Ercolano where you can take the train to go to Pompeii to see the ruins or back to the hostel, whichever the group prefers.
Don't worry if you've never ridden before you won't be the only one and the course is designed for beginners!
Duration: 3 or 4 hours, it really depends on the group!
Cost: 50 euros per person (remember this also includes the transfer from the hostel then from the volcano to Ercolano train station or back to the hostel)
Minimum 4 people, afternoon excursions starting at 14pm can also be organized, let us know one day before so we can book the tour for you.
Upcoming Events
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- Manu Chao live in Naples 14:00 €17.25
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Valerio are you ready ? I'm tomorrow afternoon thanks to Marco and all the Staff From Cat's Hostel #hostel #Madrid http://t.co/RmYeVjHyqq


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If you ever wondered where exactly crime happens in Sonoma County, you'll get that chance soon.
The Sonoma County Sheriff's Office is now using RAIDS (Regional Analysis and Information Sharing) online crime mapping technology to pinpoint where crimes occur, according to a press release.
RAIDS is also used by the Santa Rosa Police Department, which allows the public to see Sheriff's Office reports and Santa Rosa Police Department reports on the same map side by side. It's a free service offered to the public and Law Enforcement agencies nationwide.
A live version of RAIDS Online will be on display Wednesday, Nov. 14, at the Santa Rosa Finley Center, 2060 West College Ave, Santa Rosa, CA from 9:00 am to 3:00 pm as part of GIS Day 2012. (
View RAIDS Online from our website: http://sonomasheriff.org/database.php#Raids
For full details, view this message on the web.


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See you in the teens shortie.
told you.
3 days of 100% gains.
Shorts will be fried.....no exit.
just like last time......100% gains 3 days in a row.
buying to be in the game.
Either way it goes up.
missed last time...will not miss this time.
not till 9:30 AM. No need to give them a heads up.
They are in for a rude awakening tomorrow.
They are about to lose their homes.
Will get at least the 125 Million if not more for additional damages.
Record volume today. Low float and heavy short interest. Will see major squeeze tomorrow. Worth taking a look.
Record volume at 23 Million. 24 Million short. This one will likely be the leading gainer tomorrow.
That is like 800% from todays price. Something is cooking there and someone knows something for that kind of target.
something is brewing imo or buyout coming.
Agree. Trend reversed and up from here.
IR is dead on this one.
Been right before.........


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Back at The Dunk Sunday vs. Abbotsford Heat
Manchester, NH - The Providence Bruins fell to the Manchester Monarchs 4-0 Saturday evening at the Verizon Wireless Arena. The P-Bruins return home to the Dunkin' Donuts Center Sunday at 4:05 p.m. for Bodnarchuk Poster Night against the Abbotsford Heat.
The Monarchs took a 1-0 advantage at the 6:14 mark of the opening period, while shorthanded. Marc-Andre Cliche tallied his 11th goal of the season, with Drew Bagnall recording the lone assist. Manchester led 1-0 going into the first intermission.
Manchester grabbed a 2-0 advantage at the 14:48 mark of the second period. Kevin Westgarth netted his tenth goal of the season, while Richard Clune and John Zeiler picked up the assists. The Monarchs made it 3-0 at the 18:06 mark. Clune scored his fourth goal of the season, while Bagnall and Justin Azevedo had the assists. Manchester led 3-0 going into the second intermission.
The Monarchs finished off the scoring at the 17:38 mark of the third period, while on the power play. Dwight King tallied his sixth goal of the season, with Bud Holloway and David Kolomatis grabbing the assists. Manchester went onto the 4-0 victory.
Kevin Regan stopped 31 of 35 shots for the P-Bruins, while Jonathan Bernier made 40 saves for the Monarchs. The P-Bruins were 0-for-5 on the power play and 1-for-2 on the penalty kill.
Providence wraps up the weekend at The Dunk Sunday at 4:05 p.m. for Bodnarchuk Poster Night against the Heat. Information on P-Bruins tickets for the 2009-10 season can be obtained by calling the team ticket office at (401) 273-5000 or by logging onto the team website at http://www.providencebruins.com/.


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Britney Lap Dances Pauly D
Britney Spears at her show in Montreal last night decided to give her audience a special showcase. She brought Jersey Shore's Pauly D on stage for a little family fun entertainment AKA lap dance! Talk about a once in a life time experience.
Watch: First 'American Reunion' Trailer!
Sean William Scott, Jason Biggs, Tara Reid and the rest of the original American Pie cast are back at it for the American Reunion sequel! With a release date of April 6, 2012 here is our first look at a teaser photo montage trailer for the film. Cannot wait!
Krash's College Survival Guide #5
Hows that first week of school going kiddos!? I hope you were able to use my seating placement tips to your early advantage. This week we will learn something about something that is highly abused in the university setting.
Lesson #5: How to use your absences?
Every professor is different in their attendance policies. In larger auditorium courses you may not have any policy. In small interactive classroom settings you may have as little as two to use. Regardless of the situation you have to be able to know when to use these. In my final semester I took 19 hours and worked weekends. Basically my off time was never. I had to find creative ways to utilize break time while facing strict attendance policies. Lets start off with what NOT to do.
A. Skipping because you partied too hard. This is an absolutely waste of a skip. If you're going to be in school and sign up for early classes you have to be responsible for yourself. I partied my share in school, but I also knew the consequences. I pick and chose my spots to where I knew I could survive class the next day. Operating with these measures may get you more chicks/dudes temporarily. But nobody wants you after you become the college dropout! Missing crucial classes early in the semester after partying is the quickest way to dig a giant hole.
B. Skipping early out of laziness. Skipping class a few times within the first two months is an absolutely devastating mistake. Even if you show up and pay attention 10% of the time, you still gathered some intel. Professors generally are more willing to give test hints while being more approachable early on. In addition if it is a class where you have an absence limit, you don't want to use those early. A freshman mistake I made was burning through all of mine before the last month. I then got really sick and had to stomach a bio class when I was turning green. NOT FUN.
C. Skipping to score a hot date. First off if you're going to lunch it's not going to last anyhow. Lovers don't go to lunch! 2nd if this new chickadee or man hunk you just met is worth it… they should be able to wait till after class. There is a lot of peer pressure in college and when it starts making you miss class for senseless reasons you're in trouble! Even if all the content is posted online, seeing, hearing, and writing the information will build muscle memory.
Whew! Now that you have avoided A, B, and C you probably think I'm your grumpy parents you ran away from huh? Don't worry I believe in missing class, it's just calculated! When should you take a mental break you ask?
A. Skip after you OWN a test. Yessssir there is no better feeling than putting a month of hard work in to absolutely destroy a test than celebrate by sleeping in during the next class day. The lecture following the exam hardly is ever of much importance. You can allow yourself to catch up, quickly in this case. However if your instructor is giving quizzes you're screwed. I apologize.. not really :p
B. Unleash all your skips for the final month. This is a Krash tradition. I have had a few classes where I pretty much cemented an automatic A and had three absences at my disposal. What did I do? I took the whole week off! I've been notorious in my day for going missing at the end of a semester. Usually I do it in the courses in which the final exam is optional and I don't need to take it. At that point what's the point? You earned a bit of a party at this point!
C. Skipping your way into a long weekend. Look if you're going to hurt yourself academically why not do it on a Monday or Friday. At least party hard with 3-4 day weekend and get it all out of your system. It takes a special person to be able to do this and still pass courses, but some people just have to party. Maybe it will help you relieve stress, see your lover, or hangout with those friends that say you're a ghost. Regardless using the skips at the beginning or end of the week will work better for you in the long run. Personally I often used it to get ridiculous amounts of sleep and come back much stronger!
In conclusion if you want to skip with your new found freedom it's up to you! Just be smart with it or you will face this tragic equation.
(High School Diploma + College + Freedom – Class = Back Home)
Rebecca Black: The Bikini Model
No no no not that Rebecca Black. I promise you that you will enjoy this one much more =). Lately there has been some confusion via Facebook over Rebecca Black accounts. Allegedly Facebook made a boo-boo and merged their accounts causing a lot of confusion. People searching for Rebecca Black the wannabe vocalist have been finding Rebecca Black the bikini model. That strange youngin' has a silver lining… she helped me find this BEAUTIFUL Rebecca. Ladies, gents, fanboys, I present you Rebecca Black the bikini model.
Photo Credits: Nicholson Studios
View Rebecca's full model page here
UPDATE: Check out my audio interview with Rebecca here.
VMA's: The Good The Bad The Ugly
The VMA's have been known to always give us a good share of, shock factor. Lets take a a look back at some of the top moments over the past few decades!
Credit: Gettyimages.com
(2009) Taylor Swift gets Kayne'd… he did "let her finish."
Credit: Filmmagic.com
(1992) Howard Stern debuts his new alter-ego, Fartman…
Credit: Gettyimages.com
(1999) Lil' Kim wears this lovely outfit and gets groped by Diana Ross.
Credit: Wireimage.com
(1994) Michael Jackson and Lisa Marie Presley announce their marriage.
Credit: Wireimage.com
(2003) Madonna and Britney Spears share a little love.. hey Christina Aguilera was involved in this too!
View the full article on Yahoo.
What will stun us tonight? Tune in at 8 on MTV!


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Job highlights
- On average, daycare teachers make around $10.50 per hour
- About 30 percent of daycare teachers work part time
- Teaching jobs can be very stressful
What do daycare teachers do?
If you can't get enough of rugrats, ankle biters and curtain climbers, this is the job for you. If you would rather sit through six days' worth of your granddad's "uphill both ways to school in the snow" speech than change a diaper, you might want to skip the rest of this job description.
Daycare teachers work primarily with children who are too young to start preschool, from infants to 5-year-olds. You'll be nurturing the young, impressionable minds of the future, stimulating their physical, emotional, intellectual and social growth. This translates loosely to coloring and making macaroni necklaces.
Recently there has been a shift in daycare to prepare children for school (read: more coloring and macaroni necklaces, with the addition of gluing cotton balls to construction paper). Most of a teacher's time is spent doing basic care and caregiving activities, but lots of the activities do double duty. For instance, teaching children to share is an important life skill, and it also prevents gang wars over blocks and puzzles.
It's not all fun and games, though. Parents will have high expectations, so you'll need to be motivated, attentive and an all-around good influence on the children. Criminal record checks are mandatory in most child care centers, so you'll need a clean record and a somewhat flexible schedule. You can't just say "see ya" at the end of the day; you'll have to stick around until all the kids' parents pick them up.
How much do daycare teachers make?
The average hourly pay for daycare teachers is around $10.50 per hour, but will vary by experience and location. For all child care positions (except supervisor positions) the average is around $11.30 per hour. Wages will typically be higher for full-time employees and teachers with college degrees.
What are the education requirements?
Training requirements in daycare centers vary by state and position. Daycare teachers almost always need to have a high school diploma and, in most cases, a combination of college education and experience is desirable. Teacher's assistants and child care workers usually only need a high school diploma. Some states, and most daycare centers, also require other training for staff members, such as health and first aid, fire safety, and child abuse detection and prevention.
Career paths for daycare teachers
If you're committed to a career in child care, and willing to continue your education, there are definitely opportunities for career growth. Child care center directors usually need at least a bachelor's degree in education and extensive experience. Your hard work will pay off, because the pay averages around $20 per hour.
The future of daycare teacher jobs
According to the BLS (Bureau of Labor Statistics), job opportunities for center-based daycare positions should continue to grow because of an increasing number of parents preferring their more formal setting and believing that they provide a better foundation for children before they begin traditional schooling. Many daycare teachers choose to leave their positions to return to school, or to seek higher pay and benefits. Child care centers have relatively high turnover and substantial replacement needs - which will work in your favor, if you're looking to get into a daycare teacher position.
Job Seekers: See all job descriptions


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Smoked Turkey and Greens
Recipe courtesy of Robert Irvine
2008, Robert Irvine, All Rights Reserved
- Dinner: Impossible
- Total Time:
- 1 hr 45 min
- Prep:
- 25 min
- Cook:
- 1 hr 20 min
- Yield:
- 8 to 12 servings
- Level:
- Intermediate
- 24 smoked turkey legs
- Freshly ground black pepper
- 1 tablespoon grapeseed oil
- 3 cloves garlic, lightly crushed with the side of a knife blade and minced
- 1/2 teaspoon crushed red pepper
- 1 head cabbage, shredded in a food processor
- 1 pound collard greens, cleaned
- 1 pound fresh spinach, soaked in salt water to remove grit and dried in a salad spinner
- Salt
Preheat oven to 350 degrees F. Season turkey legs with black pepper, Heat grapeseed oil in a large deep pot over medium-high heat. Add turkey legs and brown in batches on all sides. Transfer to a roasting pan, cover with foil, place in oven and roast until fork tender, about 35 minutes.
Add garlic to pot and lightly saute over medium heat being careful not to burn the garlic. Stir in the crushed red pepper and shredded cabbage and allow to cook about 10 minutes. Add collard greens and cook for 10 minutes more. Add spinach, season with salt and freshly ground black pepper and cook until tender but still bright green. Transfer greens to a platter and top with turkey legs.
CATEGORIES:View All
More Recipes and Ideas
Roasted Green Beans
Recipe courtesy of Ree Drummond
Juniper Brined Turkey With Asian Ginger Butter
Recipe courtesy of Food Network Kitchen


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Starting at:$29.99 each
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text:
This section contains 1,144 words
(approx. 4 pages at 300 words per page)
Critical Review by Anne Goodwin Sides
SOURCE: "Making It Against the Odds," in Book World—The Washington Post, October 17, 1993, p. 6.
In the following review of The Lone Ranger and Tonto Fistfight in Heaven, Sides examines how Alexie uses storytelling to help rescue his tribe and his culture from oblivion.
Reading Sherman Alexie's The Lone Ranger and Tonto Fistfight in Heaven is like leaning out the side window of a speeding car, watching the world slip in and out of focus faster than you can sort the future from the present from the past. The world, in this case, is an American Indian reservation. Keeping time like the staccato thumping of a nail stuck in a tire are drumbeats, blaring televisions, dancing, fighting, nightmares, visions and the small explosions of beer bottles thrown from a car driving in no particular direction.
Maybe from all...
This section contains 1,144 words
(approx. 4 pages at 300 words per page)


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Learn the lessons of 3 high-volume decliners
The big drops in these stocks on Thursday were all preceded by clear technical warning signals.
By Tom Aspray
Quite a few stocks dropped sharply this month, even while the overall market moved higher. One of the most dramatic was Gilead Sciences (GILD), which we featured in early-February: 3 Stocks You Shouldn't Buy Now.
GILD dropped from a high of $56.50 to a low this week of $43.81. It closed well above its weekly Starc+ band in early February but is now close to the weekly Starc- band. (Learn more about trading with Starc bands here.)
Three other big-name stocks dropped sharply Thursday on heavy volume, as they were hit either by poor earnings or bad news. All three flashed warning signs before they dropped, however, so let's take a closer look.
Chart Analysis: Safeway (SWY) reported that its profits dropped 6% in the fourth quarter as higher fuel and commodity prices hurt the bottom line.
- The stock closed down 7.6% and below the uptrend, line b, on over twice the average volume
- There is next good support in the $19.50 area with the 61.8% Fibonacci retracement support at $18.60
- The RS line formed a negative divergence at the recent highs (line c) and has now broken support at line d
- The on-balance volume (OBV) did not make new highs last week and has dropped back below its weighted moving average (WMA)
- There is initial resistance now at $21.20-$21.60
American Electric Power (AEP) was down 4.8% on Thursday as a rate settlement agreement was rejected by the Public Utilities Commission of Ohio. Volume of 21 million shares was over four times the daily average. AEP pays a yearly dividend of $1.88 for a current yield of 4.8%.
- The uptrend from last summer's lows, line f, was broken on a closing basis in early February
- There is next support at $36.50-$37 with stronger support at $35.80, line e
- The RS line completed its three-month negative divergence (line g) in late January when it dropped below support at line h
- Daily OBV had also broken support, line i, well ahead of prices; the volume action suggested liquidation well before the new hit
- Strong resistance now stands in the $39-$39.50 area
Hewlett Packard (HPQ) opened down $1.24 on Thursday and closed near the lows at $27.05. Volume at over 71 million shares was more than four times the daily average.
- The daily chart suggests that the entire rally from last summer's lows is just a continuation or flag pattern (lines a and b)
- The 127.2% Fibonacci price target is in the $19.20 area
- The relative performance, or RS analysis, has been in a long-term downtrend (line c) and has formed lower lows
- The RS line has been weaker than prices since September and has now broken support, line d
- OBV failed to rally as HPQ edged higher and dropped below its weighted moving average earlier in the week
What It Means: Though I sometimes recommend stocks for which the RS analysis has not yet completed a bottom, I try to avoid those where the RS is giving stronger warning signals.
It is also important to remember that even in a strong market, not all stocks go up, so you must be selective.
How to Profit: All three stocks look as though they will drop further over the coming weeks. AEP would yield over 5% on a drop below $36 per share, however, and that makes it a stock to watch.
Copyright © 2014 Microsoft. All rights reserved.
Fundamental company data and historical chart data provided by Morningstar Inc. Real-time index quotes and delayed quotes supplied by Morningstar Inc. Quotes delayed by up to 15 minutes, except where indicated otherwise. Fund summary, fund performance and dividend data provided by Morningstar Inc. Analyst recommendations provided by Zacks Investment Research. StockScouter data provided by Verus Analytics. IPO data provided by Hoover's Inc. Index membership data provided by Morningstar Inc.
The company debuts an adorably tiny video gadget and targets the lifestyle consumer.
Top Stocks provides analysis about the most noteworthy stocks in the market each day, combining some of the best content from around the MSN Money site and the rest of the Web.
Contributors include professional investors and journalists affiliated with MSN Money.
Follow us on Twitter @topstocksmsn.


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4 Under-$10 Stocks Moving Higher
WINDERMERE, Fla. ( Stockpickr) -- At Stockpickr, we track daily portfolios of stocks that are the biggest percentage gainers and the biggest percentage losers.
>>5 Dividends That Are About to Get Bigger
Stocks that are making large moves like these are favorites among short-term traders because they can jump into these names and try to capture some of that massive volatility. Stocks that are making big-percentage moves either up or down are usually in play because their sector is becoming attractive or they have a major fundamental catalyst such as a recent earnings release. Sometimes stocks making big moves have been hit with an analyst upgrade or an analyst downgrade.
Regardless of the reason behind it, when a stock makes a large-percentage move, it is often just the start of a new major trend -- a trend that can lead to huge profits. If you time your trade correctly, combining technical indicators with fundamental trends, discipline and sound money management, you will be well on your way to investment success.>>5 Earnings Short Squeeze Plays to Trade With that in mind, let's take a closer look at a several stocks under $10 that are making large moves to the upside today. CalAmp CalAmp (CAMP) develops and markets wireless communications solutions that deliver data, voice and video for critical networked communications and other applications. This stock is trading up 8% to $9.31 in recent trading. Today's Range: $8.80-$9.39 52-Week Range: $3.46-$9.72 Volume: 329,000 Three-Month Average Volume: 281,122 From a technical perspective, CAMP is gapping higher here with above-average volume. This move has sent CAMP above some near-term overhead resistance at $9.06 and it's pushing the stock within range of triggering a major breakout trade. That trade will hit once CAMP manages to take out some near-term overhead resistance at $9.67 to $9.72 with high volume. Traders should now look for long-biased trades in CAMP as long as it's trending above its 50-day at $8.25, and then once it sustains a move or close above those breakout levels with volume that hits near or above 281,122 shares. If that breakout triggers soon, then CAMP could easily trend well north of $10 in the near future.
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Town Square
Sort by: Most recent topic/comment Most viewed Most comments
Navigation tip: Clicking on any category label will display all recent posts in that category
AROUND TOWNFire causes significant damage to East Prospect shop
A single alarm fire caused significant damage to a clothing boutique on East Prospect Avenue Monday night, San Ramon Valley...Original post made on Dec. 8, 2011
Last comment by who me?, on Dec 8, 2011 at 8:34 am | 1 comment | 913 Views
COMMENTS ON STORIESMt. Diablo beacon lighting commemorates 70th anniversary of Pearl Harbor attack
One night a year, a beacon atop Mount Diablo is lit at sunset and shines all night in memory of Pearl Harbor Day. Survivors...Original post made on Dec. 8, 2011
Last comment by Diane, on Dec 8, 2011 at 6:24 am | 1 comment | 835 Views
AROUND TOWNDanville Rotary Donates $500 to USA Together
FOR IMMEDIATE RELEASE On Monday, November 28, 2011, Bob Chace, President of Danville Rotary, presented a check for $500...Original post made by Valerie Vicente on Dec. 7, 2011
There are no comments yet. 752 Views
AROUND TOWNDanville Rotary Donates $35,000 to Veterans Building
FOR IMMEDIATE RELASE Contact: Valerie Vicente Phone: (925) 362-2288 DANVILLE ROTARY...Original post made by Valerie Vicente on Dec. 7, 2011
There are no comments yet. 725 Views
COMMENTS ON STORIESNew mayor will focus on improving communication, infrastructure
[http://danvilleexpress.com/news/show_story.php?id=6815 Newly installed] Mayor Candace Andersen encouraged the crowd at Tuesday...Original post made on Dec. 7, 2011
Last comment by Iron Horse Ron, on Dec 7, 2011 at 8:23 pm | 2 comments | 753 Views
COMMENTS ON STORIESLet peace on earth begin with you
Remember the decorating, the presents, the wrapping, the cooking and baking, the parties, the greetings, tree lighting and...Original post made on Dec. 7, 2011
Last comment by Harald A. Bailey, on Dec 7, 2011 at 3:04 pm | 1 comment | 730 Views
COMMENTS ON STORIESBART a boon for Stoneridge sales as Christmas shopping season gets under way
The decorations may have been up for weeks, but Thanksgiving weekend marks the official start of the holiday shopping season. Read...Original post made on Nov. 29, 2011
Last comment by Citizen Paine, on Dec 7, 2011 at 8:47 am | 16 comments | 952 Views
SCHOOLS & KIDSDad's Night at SRVHS tonight
San Ramon Valley High School will host a "Dad's Night" tonight at 7 p.m., Wednesday, Dec. 7, in the library at the school....Original post made on Dec. 7, 2011
Last comment by SRV parent, on Dec 7, 2011 at 7:43 am | 1 comment | 997 Views
CRIMES & INCIDENTSThief with pepper spray tries to steal $10,000 worth of handbags from Nordstrom
Two Good Samaritans ran down a thief who allegedly tried to steal $10,000 worth of high-end purses from Nordstrom in Walnut...Original post made on Dec. 5, 2011
Last comment by Lili, on Dec 6, 2011 at 8:49 pm | 9 comments | 1070 Views
AROUND TOWNAttend the lighting of the old oak tree tonight
Town of Danville and the Danville Area Chamber of Commerce will host the 35th annual Lighting of the Old Oak Tree tonight...Original post made on Nov. 25, 2011
Last comment by tom, on Dec 6, 2011 at 9:03 am | 2 comments | 904 Views
COMMENTS ON STORIESWhat role do parents play in the admissions game?
As the college admissions season goes into full swing for seniors and their parents, what role to play is one of the hardest...Original post made on Sep. 20, 2011
Last comment by lazy student, on Dec 5, 2011 at 11:14 am | 3 comments | 892 Views
COMMENTS ON STORIESDanville man circulates prescription drug tax measure to fund drug database
A Danville man whose two children were killed in a 2003 auto accident has been given the go-ahead to begin circulating a...Original post made on Nov. 24, 2011
Last comment by Rick Pshaw, on Dec 5, 2011 at 7:01 am | 20 comments | 1157 Views
CRIMES & INCIDENTSA Bleak Reality?
Dear Editor, A bleak reality has emerged from various focus polling in our region concerning the selection of candidates...Original post made by [removed] on Dec. 1, 2011
Last comment by Informed resident, on Dec 3, 2011 at 3:43 pm | 5 comments | 869 Views
AROUND TOWNFremont man pronounced dead in apparent suicide onto I-580
A 23-year-old Fremont man jumped to his death this morning from the west side of the Santa Rita Road overpass onto Interstate...Original post made on Dec. 2, 2011
Last comment by Kathy, on Dec 2, 2011 at 11:19 pm | 3 comments | 922 Views
CRIMES & INCIDENTSThis week's police log
The Danville Police Department provides Danville Express with a record of its calls each week. This is a sampling, omitting...Original post made on Nov. 29, 2011
Last comment by Geoff Gillette, on Dec 2, 2011 at 11:36 am | 3 comments | 1096 Views
COMMENTS ON STORIESFallen Marine honored as a hero at afternoon memorial service
It was standing room only at East Bay Fellowship Church in Danville as over 1,200 family, friends, teachers, veterans and...Original post made on Nov. 30, 2011
Last comment by scrump, on Dec 2, 2011 at 9:44 am | 6 comments | 1217 Views
COMMENTS ON STORIESStreetwise: Holiday purchases
While U.S. auto manufacturers report increased profits, Black Friday reports show huge increases in shoppers and jobless...Original post made on Dec. 2, 2011
Last comment by Shopless This Year, on Dec 2, 2011 at 7:45 am | 1 comment | 631 Views
STATE, NATIONAL, INTERNATIONALCampaigns and Communication: what should we expect?
Dear Editor, Readers in several forum exchanges have provided a unique subject for your town square forum and the example...Original post made by [removed] on Nov. 25, 2011
Last comment by Alamo Gets Justice, on Dec 1, 2011 at 1:51 pm | 1 comment | 905 Views
COMMENTS ON STORIES"Mr. Peterson, who is your District 2 candidate?"
Dear Editor, A letter is now being sent to District Attorney Peterson with copy to Sheriff Livingston asking for their...Original post made by [removed] on Nov. 28, 2011
Last comment by East County Watch, on Dec 1, 2011 at 10:55 am | 24 comments | 943 Views
COMMENTS ON STORIESTwo arrested during night of chaotic bar fights
Two men, including a Danville resident, were arrested in Walnut Creek early Sunday morning after a chaotic night with multiple...Original post made on Nov. 28, 2011
Last comment by cardinal, on Nov 30, 2011 at 3:06 pm | 8 comments | 1211 Views
Page 87.25 of 259
Good news for downtown Livermore and the performing arts
By Tim Hunt | 3 comments | 1,146 views
November Ballot Prop 2 Devils or Angels in the Details?
By Tom Cushing | 3 comments | 1,146 views
Who wants to move to San Ramon?
By Roz Rogoff | 1 comment | 1,097 views
Any questions for Pleasanton mayoral, council candidates?
By Gina Channell-Allen | 5 comments | 249 views


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text: (WNFL)- The Green Bay Packers' new running backs' coach has high praise for Eddie Lacy. Sam Gash said the N-F-L's offensive rookie-of-the-year has similarities to Hall-of-Fame rusher Curtis Martin, who spent most of his career with the New York Jets. Gash helped blocked for Martin and a host of other standouts during his 12-year N-F-L playing career -- and he vows not to change Lacy's basic running style. Gash was named last Friday as the replacement for Alex Van Pelt, who will now coach Green Bay's quarterbacks. Gash said he spoke with Lacy as soon he got hired -- and based on their conversation and game film, he said Lacy has the same mentality as Martin even though Lacy is bigger. Gash said he'd like to help teach Lacy the little things about being a pro, and advancing beyond his rookie success.


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Miracles of QURAAN AZEEM US SHAAN
Main Content
Miracles of QURAAN AZEEM US SHAAN
When I see ancient monuments, such as this, it makes me marvel at the dedication, strength and time that went into it's growth. It also makes me wonder how much time did "ancient" people spend doing things that were fun, enjoyable, relaxing, etc.? What marvels did THEY see? Just things that make you go "Hmm".
Amazing what men can do with chisels and imagination. Good thing graffiti artists didn't get there.
UFO has been here...
What a marvelous site. Wish to see it some day.
Stunning !
What tools did they have and the mind to make it so?!? In awe and love to visit it.
very colorful
Great photograph.... Happy to know that there still pre Islamic structures left in KSA.
Stunning image. The human element, his posture of curiosity add up to a fantastic capture. Congratulations to the photographer.
Beautiful...I bet it was constructed by those UFO folks...just look at the precision of each angle...Astonishing!!!
Wow, Stunning
And remember when He made you successors after Ad and settled you in the land-- you make mansions on its plains and hew out houses in the mountains-- remember therefore Allah's benefits and do not act corruptly in the land, making mischief.
Al-Qur'an 7:74
Amazing. I'm glad there is a person in the doorway to show the size.
prachtig mooi !!
That's incredible.
These pictures are beautiful! Wish we had the ability like we used to to download a higher resolution image and use it as a desktop picture!
Wow. Can you even imagine how hard that was to do? Amazing! Thanks for sharing this with us!
A magnificent structure with its design clearly picked out by the sunshine in a well composed shot that shows its size. The reddish stone is just beautiful, so too the shot. j.e.s......
Absolutely gorgeous light and subject. Wow. The pic is full of beautiful light and wonder. Thanks so much for sharing this with us. And the person surely gives us a great sense of scale. Superb.
That is awesome. Wonderful photo.
Very cool! This inspired me to look up UNESCO sites online - here's more detail about this particular site http://whc.unesco.org/en/list/1293. Thanks again, Nat Geo!
Great photo!!
Holy pineapples, thats cool!!
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I love food. There may be nothing I love more. You know, in the proverbial sense. Of course, I love my husband and son more. But, oh food comes SO close! And what's better than a delicious meal in equally delicious company? Every mama deserves a night out
here and there weekly without worrying about the bill. "Dinner for two" is music to my ears but "free dinner for two" is a party in my mouth!
Well, Munchkin Fun and Miami Spice most certainly think one of you amazing mama's deserves the treat! So they've teamed up to give TWO lucky mama's a free Miami Spice dinner for two! Just head over to Munchkin Fun to enter and while you're there, make sure to subscribe to their weekly newsletter - great info always.
What is Miami Spice?
(Have you been living under a rock!? Of course not, you're a mom - you've been busy doing that!)
Miami Spice is a mouth-watering summer restaurant promotion designed to showcase the very best of Miami cuisine. Remember when you said "the holidays are my favorite time of year!" That's about to change. (It comes around August and September and related to Miami Spa Month in July in August - they are equally awesome so heads up on that too.)
More than 140 of Miami's finest restaurants will offer three-course meals (Lunches $19 or $23, Dinners $33 or $39) featuring signature dishes created by world-renowned chefs. The restaurant program runs August 1-September 30, 2012. Miami Spice is organized by the Greater Miami Convention & Visitors Bureau (GMCVB); presented by American Express and sponsored by Stella Artois and BACARDI® rum.
For all you moms out there. Enter to win!


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The amount of available seating in Sanford Stadium's East Lower Club will increase for the 2014 season, the UGA Athletic Association announced today.
Click here for the original story.
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For further information on the Specialised Courses Programme, please send your enquiries to: scp(at)iiep.unesco.org
Download: > SCP Brochure
Course options >Course fees > Participation cost > Funding > Deadline for application >Admission process > Accommodation >
The IIEP Specialized Courses Programme (SCP) responds to the needs of professionals interested in intensive, short-term, specialized training in specific areas of educational planning and management. The SCP targets educational planning and management professionals working in ministries of education and other government and non-government organizations. It also caters to professionals involved in the design, implementation and management of education programmes and projects in bilateral and multilateral agencies as well as to specialists in education planning and management from training institutions and universities.
Designed to strengthen the participants' knowledge in key areas of educational planning and management and their skills in related tools and techniques, each year eight specialization courses are offered through the SCP. The programme is organized and delivered in two parallel specialization streams of four courses each. Participants who complete one whole stream can thus acquire an integrated knowledge either in educational planning or in the management of education systems, programmes or projects.
See the course titles and dates below. For more information on course content,click on the links.
Specialization Stream 1 Educational Planning and Analysis (EPA)
Specialization Stream 2 Educational Planning and Management (EPM)
7-18 April 2014
Educational Management Information System (EMIS)
Organization and management of the education sector: systems and institutions
21 April - 2 May 2014
Projections and simulation models: methods and techniques
Teacher management
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19-30 May 2014
Quantitative methods for monitoring and evaluating the quality of education
Education sector programmes and projects


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The Taste of Dorset Awards 2012 was launched this week and the Hive and its sister café, the Watch House are both entering the awards in the 'Best Café or Tearoom' category.
The finalists for this category are chosen by our customers and supporters, by placing your vote for us online. The top three nominations with the most votes will be the finalists who will then be judged by the sponsors, BV Dairy, with the winners being announced at the awards dinner on September 7th. To place your vote, please click here, naming the Hive Beach Café AND the Watch House Café in the 'Best Cafe or Tearoom' category.
In another category, 'Best Dorset Recipe' our very own Tim Attrill has been chosen as one of the three finalists who will be taking part in the Final Cook-Off this Saturday as part of the Bridport Food Festival.
The Hive Beach Cafe has a good record in the Taste of Dorset Awards, winning both the 'Best Fish & Chips Café' and the 'Best Seafood Business' back in 2010 and runner up in 2011.
If you wish to vote in other categories, please click here.
A full list of the categories in this years awards are listed below, along with their sponsor.
Harmsworth Award – Colten Care, headline sponsors-
Best Restaurant –Leakers Bakery –
Best Dining Pub – Battens Solicitors –
Best Local – Orchard Park –
Best Café or Tearoom – BV Dairy –
NEW Best Independent Food Shop – Dike & Son –
Best Farm Shop – Positive PR –
NEW Best Dorset Drink –
NEW Best Food Product –)
Grow Your Own – the Gardens Group –
NEW Best Dorset Recipe – Dorset Farmers Markets – NEW CATEGORY, Best Dorset Recipe by a Professional Chef, COOK OFF AT BRIDPORT FOOD FESTIVAL Best Domestic Cook's Recipe
Innovation Award -The Eastbury Hotel
Thank you in advance for your support and we look forward to announcing that you helped us reach the finals once again…. and then later in the year to announcing that we have secured another of the Taste of Dorset Award Plates.


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Season 3, Episode 9: Of Mice and Wolfmen | Aired: March 11, 2013
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Chesterfield, VA—Police are searching for a woman believed to have robbed four Chesterfield banks since July 12.
A Black female suspect is said to be involved in the following robberies:
In each incident, the suspect approached a teller and demanded money. In the Virginia Credit Union robbery, the suspect told tellers she had a bomb, and left a suspicious package in the bank.
The building was evacuated, and members of the Virginia State Police bomb squad determined that the package was not an explosive device.
There were no injuries in any of the incidents.
The suspect is described as a Black female, about 40 to 55 years old and 5 feet 3 inches tall. In several robberies, she has worn what appears to be a short, reddish-brown or auburn wig and glasses.
Police ask anyone with information about this suspect or any of these incidents to contact the Chesterfield County Police Department at 804-748-1251 or Crime Solvers at 804-748-0660. A cash reward of up to $1000 is offered for information which helps solve the crime.
Copyright 2012 by Young Broadcasting of Richmond
301 Arboretum Place, Richmond
Telephone: 804.330.8888
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All content © Copyright 2000 - 2014 Media General Communications Holdings, LLC. A Media General Company.


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Intel's next-generation Broadwell Y (now known as the Core M processor) is set to ship on schedule for the end of the year.... Read More
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text: She was probably the most beautiful, smart, sexy, caring, and nurturing young girl in all of Hollywood, and our attraction was mutual, thank God. A few days after we met, she was introducing me at her birthday party as her boyfriend. It was mind-blowing, how quickly I fell completely and deeply in love.


text:
This 1957 Chevrolet 3100 2dr TASK FORCE Truck features a 402 V8 8cyl Gasoline engine. It is equipped with a 4 Speed Automatic transmission.... More
This 1957 Chevrolet 3100 Stepside Pickup has a 350 C.I. GM V8 w/ Edelbrock 4BBL Carb, 700R4 Automatic Transmission, T55 Rear End w/ 3.38:1... More
This 1957 Chevrolet 3100 1/2 Ton 2 Door Pickup (Stock # R12034) is available in our Redwood City, CA showroom and any inquiries may... More
For sale in our Detroit showroom is a 1957 Chevrolet 3100 pickup. Under the hood is a 350 cubic-inch V8 backed by a Muncie... More
This resto-mod '57 Chevy comes with a 400 SBC motor, and Turbo 350 Trans. The engine and chassis has many performance modifications, including: • Edelbrock... More
1957 CHEVROLET STEP SIDE PICK-UP $37,995.00 This is a great looking and driving, slightly custom pickup. This is what they call the "Big Window"... More
1957 Chevrolet3100 PickupHistoryChevrolet Task Force is the successor to the venerable AdvanceDesign trucks the Task Force Series ran from late 1955 (second series) through1959.... More


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South Africa
A long history of growing grapes and making wine, but less of a history on exporting it, and even lesser on
the quality aspect.
At the turn of the century (1900, that is), a surplus of wine in South Africa created a hierarchy of cooperatives, the
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text:
House Tour: Alyson's Illustrated Home
Name: Alyson Fox, Illustrator and Clothing Designer
Location: Austin, Texas
Size: 1000 square feet
Years lived in: 3 years
Being a huge fan of airy loft spaces, when Alyson Fox first glimpsed this house built in 1946, she knew it was love at first sight. Although the décor was a bit outdated, the tall ceilings with exposed beams, uniquely shaped windows and great floor plan appealed to her design senses. Soon after purchasing the house (which was relocated to its current property in 1996), Alyson and her fiancé made quick work of creating a new color palette of warm grays, light blues, whites and pops of red...
The few structural changes they made were opening up the wall between the kitchen and the living room and adding on 100 extra square feet to the kitchen and dining area. Although the house is a cozy 1000 square feet, it feels airy thanks to the tall ceilings with exposed beams, which lends an almost cabin-like feel to the space. Simple changes, clever details (check out the geometric wooden features in the living room and kitchen) and honest materials define this gorgeous space.
AT Survey:
Favorite Room: The kitchen. We just remodeled it and love all the open space and pop of color as soon as you walk in the front door and see it. I feel the kitchen is where a lot of hanging out happens and with it being open to the living room it becomes a nice conversation between the two rooms and people.
Inspiration: A nice blend of Masculine and Feminine.
Favorite Element: Little moments on the wall that are always changing.
Biggest Challenge: Making final design decisions that are permanent. A lot of little design elements around the house are always changing ( chairs, pillows, art) so picking the right floor, sink, cabinet..etc can be an event sometimes.
Biggest Embarrassment: I can't think of anything that stands out. We don't get embarrassed to easily.
Proudest DIY: The Kitchen. It was a family DIY. All efforts much appreciated and loved.
Biggest Indulgence: ** Chairs. I have a obsession with them. Shoes and dark chocolate.
Best advice: Have fun with your space. And as you change your house should too.
Most Talked about Element: The open beam ceiling and geometric shaped windows on the front of the house...and the big porch.
Dream Piece of Furniture: I would like to find a danish modern wall unit.
Fun Fact: I can do some pretty fun tricks jump roping- in the house.
Oldest Item you Own: Original Thonet chairs for the house. A 1890 slip for my body.
Cleaning or Organizing Tip: If you have not used something in a year donate it.
Favorite Store: My favorite local store is Home girls. A great place to find affordable treasures. Most of our chairs in the house came from there.
Place You Buy Things for the Home: Everywhere. I just bought a vintage pendant from a bead store that I used as a mini frame for a piece of art.
35 Comments
i love it all, but those horsey window cranks are pure perfection!
Weird. I was just trying to look at her clothes collection (my work computer thinks it might be a gambling site though, so it'll have to wait until I'm home)!
The house looks great I really like the kitchen and bedroom. Where did those shelves in the kitchen come from?
Haha I love those horses! Reminds me of that Charlie YouTube clip almost immediately...
candy mountain! shun the non-believer! shunnnnuh!
love all that wood and no need for rugs & carpets! Very cool!
ideal. i'd love to work here & never have to leave.
Love this. Where did you get the kitchen table?
Where are the chairs for the outdoor table from? They look so familiar and I am basically in love with them! ;)
OMG, it just hit me viewing the third picture of them.
They're from my childhood! We have green ones.
Thank you so much for the fun comments. Here are a few answers.
The kitchen table is from Ikea. The outdoor chairs and table I found at Savers ( a thrift store). Each chair was 99 cents. CRAZY!
For a little bit my site did show up as a gambling company, but now it's all good to go. We are redoing my site as we speak though. It will be new in 2 weeks.
Have a great weekend!!
am very curious about the material for the kitchen shelving too. very nicely done. this is definitely one of those places i envy because it also seems easily livable too.
Such a great pad. I love all the materials, texture and color. Great kitchen basic and homey. You have a nice way with the art in your place.
The TV would make me nuts, a bit too anchored to the wall and the furniture grouping seems forced to the TV.
The TV is tough when you only have one room that is comfortable which is the main living space, I battle this myself although I only use it for movies. What happen to dens, like the ones my friends and I had growing up? I am not a fan of the tv attached to the wall it reminds me of a hospital room.
Such a beautyfull home, full of inspiration for me and my flat. I love your kitchen, esp. the wooden shelfes for the plates (where do they come from?) and your sense of colour. This is again an example what AT stands for me: Great design solutions for real people with real lifes!
Warning: Okay, I am going to be very straight forward, perhaps a lil' blunt but honest, very honest.
Your home is okay, more on the neutral side, nice space, cute kitchen, looks comfy but nothing too special.
I'm really impressed with your illustration and your fashion collection.
To me, your illustration style has a sense of melancholy with a quirky humor to it. It keeps me interested and guessing what are you trying to convey. Very interesting subject matter.
Love your clothing designs and video clips as well.
All clips are like IFC shorts, tastefully done and right choice of models too. I would have guessed it's European or London designer and who knew it's an American designer lives in Austin,Texas.
Real talented designer with substance doesn't need to be on Project Runway. So NO, I won't be another person who will tell you to go try out for that show.
Keep up the good work and hope your clothes sell out!
Wow, what a lovely home!
just lovely! paint color in the bedroom?
I think there are some nice pieces in there, but it's kind of a jumble. It's not cohesive to me.
Love the kitchen, what is the black material you used for the backsplash and where did you get it?
This tour totally drew me in, I love it! Great style, cozy, and mod, super, super cute. I love the paint colors as well. I love the deck and entry, very welcoming.
Looking at your home puts me at peace! I would love to live in it. Love the ceilings, I feel like I'm at a summer retreat...
Is anyone else having difficulty with AT's new-ish slideshow format? They continute to crash Safari and Firefox. Meanwhile, the New York Times slideshows are zippy on the same system.
Love your place, Alyson...what I've managed to see!
That would be...'It continues to crash Safari', etc.
Such a fun, happy space. Love it!
shuuuuuunnn! I love Charlie the Unicorn!
I also love the bird sketch on one of the walls of this house. Nice, simple and effective.
Does anyone remember this house being featured in Blueprint a couple years back?
Thanks again for the fun comments everyone.
To answer a few questions:
The shelves in the kitchen are microlam. The back splash is 1/8 inch carbon steel.
The paint color in the bedroom is "Balsalm". Unfortunately I cannot remember the brand. I will try and find it on the shed and will get back to you if I can.
Our house has not been in Blueprint, but there were a few photos in Ready Made with some of my other work.
Thanks again!
Fun, cool and love this!
Are those Melabo ceramics from etsy? I just love her quirkiness and I am working on my own little collection...
Very nice space. You have done lovely things with it.
I could move into your house and not change one thing. It's absolutely perfect - warm and welcoming. You have impeccable taste; great eye for color and detail. I'm am in love with your house. Period.
Pleasantly unforced! Gorgeous art, shown without fuss or pompousness!
My favorite element: The "Keep Calm and Carry On" poster above the dining table. Have just made a rough replicate on my computer, to place somewhere VERY visible in my pad. Just the thing for starting the new "season" off in the right spirit!
Gonna check out your clothes a.s.a.p.! Brava!
is that an ashtray on the side table in lr? eww gross. smoker non smoker.. ash tray as decor is just .. eww
my apologies for a late post - what a wonderful home. love all the great light and the kitchen is awesome!
question: alyson, where did you get the spice holders that are attached to the backsplash? such a great idea to save space! i'm all about good use of space in my tiny place...thanks in advance!
i absolutely love it. is that the urban outfitters "edie" sofa by chance? i'm thinking of buying that one, it's so inexpensive and looks quite nice and well made. almost as nice as the Design Within Reach or Crate and Barrel versions for twice as much. nice chairs, too. love the colors.
I first saw this place in Readymade and thought it was phenomenal. Was definitely an inspiration for my own apartment.
Terrific that I get to see some extra photos. Looks like you've made some changes?
Bravo, bravo, bravo.
Whoa, not sure if anyone else is going to stumble back in here, but... what sort of brackets are you doing on those floating kitchen shelves that support so much weight? Been looking to do something like that.
Really like the space.


text:
Seems like our Tumblr audience would want to know about this: This American Life is hosting a live show on Thursday night which will be beamed live via satellite to more than 500 movie theaters around the US and Canada. (So you don't have to be in NYC to go.)
Act 1: Get your theater tickets here
Act 2: Drive to theater
Act 3: Ira Glass, David Sedaris and pals entertain you with radio, film, music, stories and dance.


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Star Fox 64 3D for 3DS
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Star Fox 64: Does It Hold Up?
In 1997, Nintendo struck gold with a little thing known as the Rumble Pak for the Nintendo 64. This device introduced force...
E3 2014: Shigeru Miyamoto teases Star Fox Wii U announcement
Nintendo Digital Event had some pretty sweet game trailer, announcements and surprises. However, if you stuck through to the...


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JACK'S 9TH SHOW: Complete Details | Set Times | Photos
Marcus Needs to shuttup and stop complaining
Check Out the New JACK FM BUSTACHE T-Shirts!!!!!
So here's the $45,000 question…….how do YOU get your finely manicured hands on one of these glorious pieces of modern apparel? Well, you just gotta show up to where the JACK FM Bustache is gonna […]


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Gatorade 32 oz. Squeeze Bottle
Product Information:
Keep yourself hydrated and ready for the next play with the Gatorade® Squeeze Bottle. A hands-free, pressure-released dispenser tip keeps you re-fueled on the go while an easy-grip design reduces the chance of the bottle dropping. Great for the athlete or trainer of any sport, the translucent fluid-level indicator displays the amount of liquid you have left while the built-in valve helps to prevent spilling or leaking.
- Holds 32 ounces of liquid
- Hands-free pressure-release dispenser tip allows for easy use
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- BPA free
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Country of Origin: El SalvadorWeb ID: 4232735
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