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- Product Details
- Click Here to View All Florida State Seminoles Home Accessories
A great way to show your team spirit and have a place to organize pens, pencils, scissors, envelopes etc. on your desk. Maximize your workspace with our compact organizer featuring four dividers. The team logo is displayed on a black finish. Size of the desktop organizer is 6" x 5" x 4".
Additional Information
|This Item Usually Leaves The Warehouse In
|3 to 5 Business Days
|Estimated Delivery Time Map - Based on Your Shipping Zones
|Click to View Map of Estimated Delivery Times to Your Location
The Florida State Seminoles Home Accessories Collection
Florida State University Painted Bench
Florida State University Shelf with Pegs
Florida State University 31 inch Logo Wall Art
Florida State Seminoles 50"x60" Royal Plush Raschel Throw Blanket -School Spirit Design
Florida State Seminoles 60"x80" Royal Plush Raschel Throw Blanket - Force Design
Florida State Tissue Box Cover
Florida State University Desktop Organizer
Florida State University Key Holder with Picture Frame
Florida State University Man Cave All-Star Rug 34"x45"
Florida State University Man Cave Starter Rug 19"x30"
Florida State University Man Cave Tailgater Rug 60"x72"
Florida State University Man Cave UltiMat Rug 60"x96"
Florida St. Seminoles Candles Set
Florida St. Seminoles Key Holder - Wall Mounted

subset: commoncrawl


text:
Recipe here, LOL.
Ingredients 1 1/2 cups unbleached, all-purpose flour 1/2 cup semolina 1/2 pound lightly salted butter 1/2 cup sugar...
Images reproduced on this site are mostly not mine, but we are all here because we want to share. If you own one of the awesome images I re-post and would like either credit or for the image to be removed just ask.
About any text, captions, links and all that non-image business: I have a life, and there will be people and organisations that I mention that I either have or have had some manner of connection to (professional, personal, financial, whatever). If I write about or link to anything which falls into this category it is just my personal opinions etc. and they are in no way implicated in any silliness, controversy or sexy shenanigans.


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Business Ideas in the News / April 16, 2014
The ePawn Arena is a 26 inch flat screen that interfaces with smartphones, tablets and PCs to allow gamers to use real world game pieces with their online and mobile games.
The ePawn Arena includes patented real-time object-tracking technology that allows you play actual physical board games while at the same time interacting with a virtual environment.
Video below.
Originally posted by Dane Carlson on April 16, 2014 in Inventions.
Share on Facebook Twitter StumbleUpon


text:
For Immediate Release:
November 29, 2011
Media Available
Jenny Slafkosky (415) 528-4367
Exploratorium Receives NEA Grant for "YOU ARE HERE" Artist Residency Program
an artist residency program, at its new home on Pier 15 in 2013
Grant part of NEA announcement of 863 grants and $22.543 million in funding nationwide
San Francisco —The National Endowment for the Arts (NEA) Chairman Rocco Landesman today announced that the agency will award 863 grants to organizations and individual writers across the country. The Exploratorium is one of the grantees and will receive $39,000 to begin You Are Here – a residency for a particularly unique group of artists to develop public art for the new Exploratorium at Pier 15.
You Are Here: Revealing Place and Collective Experience invites a diverse group of three artists to participate in residences and develop alternative forms of public art for the new Exploratorium at Pier 15 - where it is scheduled to move in spring 2013 - to provoke visitors to re-see where they are. Focusing on the visitor as the transformative perceiver, You Are Here artists will offer their works as a kind of safe passage into unfamiliar social, physical, and historical territories, opportunities presented by the Exploratorium's new Pier 15 home.
The 863 grant awards total $22.543 million, encompass 15 artistic disciplines and fields, and support projects in 47 states, the District of Columbia, and Puerto Rico. For a complete listing of projects recommended for Art Works grant support, please visit the NEA website here.
Hours of Operation & New Evening Hours
Tuesday-Sunday 10am-5pm; every Thursday evening adults only (ages 18 and up) 6pm-10pm.
$29 for adults, with lower rates for SF Bay Area residents, youth, seniors, students, teachers and the disabled. Tickets available at the door and advance tickets available online at www.exploratorium.edu/visit/tickets.
Getting Here
The Exploratorium is easily accessible by public transit. Convenient parking is available nearby. For more information, visit www.exploratorium.edu/visit/location-directions.
About the Exploratorium
The Exploratorium is the global leader in informal learning, igniting curiosity and inspiring creativity in people of all ages. The world-renowned science museum creates original, interactive exhibits, on display at more than 1,000 science centers, museums and public spaces around the world. Dedicated to education reform in and out of the classroom, the Exploratorium is a premier professional development center for educators and a creator of award-winning educational resources. Since 1969, the Exploratorium has influenced generations of entrepreneurs, artists, scientists, teachers, students, children, museum professionals and everyday doers, reaching nearly 180 million people annually from around the globe. On April 17, 2013, the Exploratorium opened at Pier 15 in the heart of San Francisco's Embarcadero, where it will celebrate a new era of experiences that encourage critical thinking and awaken wonder for generations to come. For more information, visit www.exploratorium.edu/visit.
Pier 15
San Francisco
California 94111
(415) 528-4444 telephone
Contact Us:
Jenny Slafkosky (415) 528-4367
Pier 15, San Francisco, CA 94111
(415) 528-4444


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Credits & Info
- Uploaded
- May 29, 2004 | 10:22 PM EDT
If you liked this, check these out!
Plenty more like this here!
Little Fighter Alpha Created with Little Fighter game sprites, this series is like a hardcore in-game cinema.
Author Comments
MaxR: Well here is is, Chapter 2 of my LFA series. If you havent watched Ch.1 before, please watch it first http://newgrounds.com/po
rtal/view.php?id=168976 I have teamed up with Gooffy123 since he knows a lot about the Little Fighters. Enjoy our movie Gooffy123: I think this movie has improved a lot during the weeks. We got what we wanted from it and we hope you enjoy it. Chapter 3 will be coming out withing a month or so. You now know more about the Little Fighters. Enjoy!
Rated 4 / 5 stars March 12, 2006
man that archer seen rocked my boots lol i love archers and that fight was kick arse lol now i am goign to cheeck out chp 3
Rated 3.5 / 5 stars March 4, 2006
Don't know what happened
I didn't really get into this chapter, but i still enjoyed sprite work.
Rated 5 / 5 stars February 22, 2006
not as gud as da 1st 1 tho o well 10 neway
Rated 5 / 5 stars January 17, 2006
WOW another lfa
WOW! another LFA...the simplicity is great and it makes for an easy cartoon to watch..keep it up!
Rated 3.5 / 5 stars January 9, 2006
AMBUSH! I love Ambush's!
Yay! Faster walking! The fight was alright, I didn't like your choice of music.. nothing personal really. XD
Work, work... or something XD


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hahahahah poor kid just stands there and blinks with a booger on his face and shes like uum eew did you guys see that ? uuugh !! hahaha her fucking face !!
GIVEAWAY: Doug Fine's Too High To Fail is a book with a new approach on familiar subjects, the Drug War and the fight to legalize cannabis. Win a copy of this organic cowboy's book today by reblogging this post on tumblr! Giveaway ends at midnight pacific standard time.


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The cherry blossoms in the photos reveal how long ago these photos were taken. Photography has taken a back seat in my life but I was thrilled to help Claudia and Tim celebrate another stage in their life and take some beautiful maternity shots.
Category Archives: Maternity
I took these photos last year but somehow never posted them up. I don't know how that slipped past me. The Jung's have adopted me as their family photographer and it's been wonderful watching Katherine grow and change. Emma and her bulging belly was my first maternity shoot. The process of setting up, taking photos...


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- Bronwyn Cosgrave
Every so often during awards season, a gutsy actress graces an important ceremony in trousers, and emerges as the best dressed beauty on the red carpet. Julie Christie led the way. Accepting the best actress Academy Award in 1966, the legendary blonde flaunted a gold lamé jumpsuit. Her artist boyfriend had apparently made it. And though, initially, Christie's outfit proved controversial - placing her on the 'Worst Dressed List' - her pioneering style inspired a younger, cooler Hollywood. Over a decade since her big moment, smart actresses such as Barbra Streisand, Jane Fonda and Faye Dunaway, have stepped up to the Oscar podium sharply trouser-clad.
Recently comedian Amy Poehler arrived and departed from the 70th Golden Globes, which she co-hosted with Tina Fey, in a sleek black Stella McCartney evening suit. It was a smart move. Poehler may be famous for wise-cracking on American television sitcoms, but until she cut a dash at the Globes in the slimline McCartney suit and shimmering, diamanté-embellished Charlotte Olympia sandals, she has had no style profile. She made a big impact not only because her ensemble was unusual, she was the only woman sporting pants in a sea of gowns, but also the radiant smile she flashed that night displayed she was completely at ease.
The comfort factor of an evening trouser suit seems to be the major reason why so many dynamic female designers have lately proposed them. The mink slippers accompanying the slouchy trousers dominating Céline's Spring/Summer 2013 collection, for example, made this perfectly clear. At Céline, rigorous masculine tailoring has been interpreted in soft, filmy luxuriant textiles for every collection Phoebe Philo has produced, since her appointment as the brand's creative director in 2008. More than any of her colleagues, she has championed smart trousers by first making them the signature of the sleek, put-together 'Céline woman,' whom she typifies. Consequently, on the rare occasion when Philo steps out into the spotlight, she's in a tuxedo or a jumpsuit.
Meanwhile, McCartney, a mother of four who is always on the move promoting her brand, glides like a swan through a slew of international events in the pyjama-style suits she recently introduced to her collection.
Miuccia Prada says that she has "always loved pyjamas." Flaunting those silk and brocade creations from her collections to important 2012 galas - including the 69th Venice Film Festival, and the Metropolitan Museum's Costume Institute Ball - Mrs. Prada demonstrated how sumptuous jewels can elevate a casual trouser two-piece into utter elegance.
Statuesque Roksanda Ilincic, a former model, has long advocated trouser ensembles as the epitome of red carpet glamour, and always presents them in unexpected combinations. Skinny-fit, legging-style slacks dominate her 2013 Resort collection, for instance. Found beneath an array of tunics - including ruffled minis and knee-length sleeveless sheaths - Ilincic's leggings elongate the silhouette she has proposed in a figure-flattering way. The silk bellbottoms from her spring/summer collection are as lust inducing as her cocktail dresses. "Sometimes a dress ticks all of the boxes," admits Ilincic. "But I love trousers because they allow you the freedom to move and it is so refreshing when you see them on a red carpet."


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Bring contemporary style to your bath with the spacious and smoothly finished 73" Wall-Mount Vanity Top, made of renewable bamboo. This unadorned, eco-conscious piece puts the natural variations in bamboo at the forefront of your vanity creation.
Ships in 1 - 2 Business Days
Product Details
- Product Finish: Bamboo
- Material: Bamboo
- Installation Type: Wall Mount
- Number of Basins: 2
- Sink Installation: Vessel
- Width: 73"
- Depth: 22"
- Assembly Required: No
- Hardware Finish: Brushed Nickel
- Faucet Included: No
- Sink Included: No
- Vanity Top Depth: 22"
- Vanity Top Width: 73"
- Vanity Top Thickness: 3"
- Backsplash: No
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- Vanities are delivered by truck, to your residence, to your curb.
- The trucking company will call ahead to confirm delivery with you.
- Optional In-Home Delivery, $199.95. Click for details
Write Your Own Review


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Schneider Kreuznach joins Micro Four Thirds
Today Micro Four Thirds has a new member, Schneider Kreuznach! The press release can be found at Photography Blog, Four Thirds User, Imaging Resource, Photoscala, et al. The CEO is quoted in the press release saying "We are working intensively on a corresponding series of lenses".
This is an interesting move by Schneider-Kr as Samsung has apparently gone into nativist mode, and their other rebrando partner, Kodak, is considering to further reduce or even exit digital cameras. This essentially leaves Schneider with very little "visible" branding in the popular cameras market. But Schneider has also expanded in the SLR world - at Photokina 2010, they announced tilt shift lenses for the four popular SLR mounts (Canon, Nikon, Alpha, K).
While the press release does not mention specific products, it will be interesting to see what Schneider does in M43rds. Will they release high-end lenses? Will they rebrand existing lenses? Will they offer their expertise in behind-the-scenes products? Or will they be a paper-tiger like some of the manufacturers that joined Four Thirds in the past? As usual, only time will tell!
Since the press release did not mention any specific lenses, what type of lenses would you like Schneider to make for M43rds?


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Do you know that Tantra (Sanskrit: तन्त्र "weave" denoting continuity) is a Spiritual science or sadhana (spiritual penance) any of several esoteric traditions rooted in the religions of India.
Hinduism, Buddhism the sacred books of Tantrism, written between the 7th and 17th centuries ad , mainly in the form of a dialogue between Siva and his wife Shakti. Before this period, most of the tantras were verbal transferred from Guru to Disciples
[from Sanskrit: warp, hence underlying principle; from tanoti: he weaves]
Yaksha Raj Kuber is the God of Wealth and the God's treasurer. He is also called the God of Yakshas. Kuber is described as the Lord of Riches in the Indian scriptures (Laxmi being the Goddess of fortune and luck). Wearing this Yakshini Hridyam on a regular basis brings about a distinct change in one's prosperity and luck though, of course, effort remains paramount feature.


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Xiaomi Pistons 2.0 MK301
"Disclaimer Please note that I am not affiliated with Xiaomi in any way, though you could consider me an "endorser" of this product. I was neither paid nor given a review sample by Xiaomi; this pair was purchased personally. Also, do take note that most of the review is my personal opinion, and it should be treated as such; also, the impressions from this review can and will change, so..." --thatBeatsguy
Yamaha EPH-100SL Inner-Ear Headphone
"This is my second pair of EPH-100s. I purchased my first pair in the beginning of 2012 some while after they became a FOTM here on Head-fi. Strangely enough I would have thought that they would have increased in price with the popularity these have, but I got the second pair for $15 less than the first pair I bought. The first pair survived a lot of hours of music at work, but the housings were..." --daerron
Yamaha EPH-20
"These buds came from amazon I was simply looking for something more suited to the bass head genre of music that really packed a punch. True these do pack a punch but to be very honest with you all they only pack a punch. The bass is actually extremely poor, there is a difference between punch and tight punch. The bass in these gives a punch that makes your ears rumble but the actual detail and..." --Hawkinssa
Xiaomi 2nd V2.1 If Commemorative Limited Edition Piston Earphone Earbud with Remote & Mic
Xiaomi 2nd V2.1 Piston Earphone Earbud with Remote & Mic More Fakes in Amazon!!! WesleyStore Purchased from Xiaomi Company directly


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Computas builds solutions that help customers leverage the value of IT and knowledge throughout their business.
Our primary goal is to make sure our customers experience real value from the solutions and services delivered. We help our customers integrate their people, IT systems, knowledge and business processes for increased efficiency and effectiveness. We work closely with our customers, continuously challenging the status quo to find new ways of working smarter, better and faster. This the Computas advantage – expert domain knowledge combined with reliable solution delivery and total customer focus.


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Model Number:
Sport your US pride while you wrap yourself in the lightweight warmth of the Nike Element Half Zip. Designed with a performance fit and luxuriously soft yet thin material, this Dri-FIT top will take you through your cooler runs in ultimate comfort. "USA" logo on front and small US flag on back show your 2012 games spirit.
Important Shipping Note: U.S. sales only.
Please include any relevant information such as weekly mileage, training or race pace, or foot type.
Copyright © 2014 Running Warehouse. All Rights Reserved. Contact Us
Site Map | US: 1.800.606.9598 | email@example.com | Careers


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Lord Frederic Leighton, Portrait of May Sartoris, c. 1860
From the Kimbell Art Museum:
One of the leading artists of the tendency in British art known as the Aesthetic Movement, Frederic Leighton trained in the continental academic tradition in Germany, Italy, and France and insisted upon beauty and form as the artist's primary concerns. He was elected president of the Royal Academy in 1878 and elevated to the peerage in 1896.
In 1853, the young Leighton met Adelaide Sartoris, a former opera singer and celebrated hostess whose friendship provided him with an entrée into artistic and fashionable society. He seems to have painted this celebrated portrait of Adelaide's daughter, Mary Theodosia (May) around 1860, the year after he settled in London. She is aged about fifteen and depicted in the setting of the family's country residence in Hampshire. The fallen tree suggests the passage of time and mortality, accentuating her fragile beauty.


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You must be registered to comment and vote on comments.
San Francisco, CA (Sports Network) - The San Francisco Giants declined to tender a contract to pitcher Brian Wilson on Friday, making the closer a free agent.
Wilson, 30, made only two regular-season appearances in 2012 before undergoing season-ending Tommy John surgery on April 19.
The three-time All-Star has spent all seven of his major league seasons with the Giants, racking up 171 saves, good for third most in franchise history.
425 Portland Av. S.
Minneapolis, MN 55488
(612) 673-4000
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StarTribune.com is powered by Limelight Networks


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Solar System Lollipops
Well these are just awesome, aren't they? Hard candy with a nerdy theme brought to you by etsy vendor VintageConfections. I always thought the sun should taste like cotton candy, and I suppose now it can!
Factual side note: Lollipops were invented during the American Civil War (early 1860s) and sometimes contained medicine. Now, apparently containing stars and planets!
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Criminy! I'm already having a problem figuring out how many licks it takes to get to the center of a Tootsie Pop!
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North Central Research Station
Publication Details
Note: In October 2006, the North Central Research Station and the Northeastern Research Station joined to form the Northern Research Station. New publications are being added to the Northern Research Station Publications & Data site.
This publication is also available at: http://nrs.fs.fed.us/pubs/4432
Title: Progress in adapting k-NN methods for forest mapping and estimation using the new annual Forest Inventory and Analysis data
Author: Haapanen, Reija; Lehtinen, Kimmo; Miettinen, Jukka; Bauer, Marvin E.; Ek, Alan R.
Year: 2002
Publication: In: McRoberts, Ronald E.; Reams, Gregory A.; Van Deusen, Paul C.; Moser, John W., eds. Proceedings of the Thrid Annual Forest Inventory and Analysis Symposium; Gen. Tech. Rep. NC-230. St. Paul, MN: U.S. Department of Agriculture, Forest Service, North Central Research Station: 87-95
Note: This article is part of a larger document. View the larger document.
Abstract: The k-nearest neighbor (k-NN) method has been undergoing development and testing for applications with USDA Forest Service Forest Inventory and Analysis (FIA) data in Minnesota since 1997. Research began using the 1987-1990 FIA inventory of the state, the then standard 10-point cluster plots, and Landsat TM imagery. In the past year, research has moved to examine potentials for improving cover type and volume mapping and estimation with the new annual FIA data, notably the new four-subplot cluster plot, and Landsat ETM+. Major findings to date point to the difficulty of choosing the number of neighbors (k). A value of k between 1 and 3 seems appropriate for mapping. A larger number of neighbors reduces the overall estimation error, but it also leads to a reduction in the producer's accuracy. Additionally, using multiple image dates for an area typically improves results considerably. Recent results with the new four-subplot cluster plot data show that stratification of the data into upland/lowland strata, use of thermal bands, and a plot location optimization all improve mapping and estimation results. Finally, segmentation algorithms show potential for improving mapping and the k-NN estimation process. A C-language program package for applying the k-NN method to forest inventory has also been developed.
Key Words:
File Size: 118 kb's
This publication is available only online.
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USDA Forest Service - North Central Research Station


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Theophilus London On Remix Contests: "It's not scary because it's giving the music another life."
Nowadays, you don't have to have ample connections to get yourself featured on a rapper like Theophilus' London new album — you just need access to the Internet. And musical talent, of course.
London — who dropped his first full-length album, Timez Are Weird These Days, last year — has teamed with with Bing and Talenthouse to launch a remix contest for the single "All Around The World."
Talenthouse.com is an online community for artists founded in 2009 that creates competitions hosted by celebs and brands in order to jumpstart the careers of lesser-known artists in a variety of disciplines. Lady Gaga and Deadmau5 have used the service in the past, and Universal Music Group recently forged a partnership with the burgeoning company as well.
London hooked up with Bing during last year's South By Southwest music and media conference in Austin, Texas, where he played a couple of parties during the technology portion of the conference. The rapper — who told O Music Blog, "I like to challenge myself. I get bored with routines" — kept in touch with the company, working with them on a remix album due to drop in April.
"I'm all for technology — hustling technology, being progressive online," the rapper says.
The remix album will feature a fan-sourced remix of "All Around The World," with fans submitting their work to Talenthouse until January 22, 2012.
The winner will score $3,500 and the chance to visit London in his Brooklyn studio and finish up his/her mix.
"It's one of my favorite songs on the album," London says of "All Around the World." "I tried to make a stadium, big beat album when I played the festivals last year. I'm excited to see somebody flip it."
Although remix contests are becoming increasingly popular, some artists might balk at putting their work in strangers' hands. Not London. "It's not scary because it's giving the music another life," he says.
By Brenna Ehrlich
Image courtesy of Flickr, Matt Perich


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Feed me, Seymour!
Nope, but close…. this is not a scene from a comic book version of Little Shop of Horrors, but a panel from Slave of the Orchid Goddess from Baffling Mysteries # 14, 1953, seven years before L.S.H.
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A few nights after the Falcons were drop-kicked out of the playoffs, Arthur Blank and his two football lieutenants went out to dinner. There in a Midtown restaurant sat the team's owner, the general manager (Thomas Dimitroff) and the coach (Mike Smith), emotionally facedown in their soup.
"It was just the three of us together, reflecting back," Blank said. "It's sort of like going to see a therapist. You go there to work through any issues you have and then you try to get ready for the future. You're just trying to get some of the hurting out of the way so you can move on."
For the record, that hasn't happened yet with Blank.
He is as emotionally invested as any owner in professional sports. He admits he's still psychologically hung over from the Falcons' 48-21 loss in the Georgia
Continue reading Arthur Blank still hasn't recovered from Falcons' playoff exit »


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Do you think wearing on-body cameras on duty should be mandatory?
Our injured federal officers are humble, honorable Americans who sacrificed to serve our great nation. Yet certain members of the Senate opt to ignore the sacrifice of these men and women, and now attack their means to survive.
New York City has long been a breeding ground for spies, saboteurs, and terrorists who view it as a top target. In his "Battleground New York City," Thomas Reppetto covers post-9/11 police strategies and recounts law enforcement's efforts to thwart terrorists and covert operators since 1861. Reppetto focuses on the coordinated efforts of the NYPD, Secret Service, and FBI to counter these threats.
In all, 72 police responders from municipal, state, and federal agencies lost their lives during the 9/11 terrorist attacks. We would also like to pay tribute to all those who later succumbed to injuries sustained as a result of the terrorist attacks and working amid the rubble.
Secret Service agents who protect the President and other high-level government officials spoke publicly for the first time to Ronald Kessler for "In the President's Secret Service: Behind the Scenes In the Line of Fire and the Presidents They Protect." In this month's author interview, Keller discusses the history of the agency, duties of the agents themselves and the men they protected.
When the Secret Service asked Dr. Maurizio Miglietta to develop a kit its protective agents could carry to help them treat wounds, he created a compact bag of items he'd want on hand to treat injuries in an emergency. Now he's made the extremely portable vacuum-packed pouch available to law enforcement officers.


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Evangelicals and Catholics: Let's Celebrate Our Similarities
The Eucharist (Communion). Transubstantiation is a big word that means that the bread and wine at Communion literally become Christ's body and blood. When I was an evangelical, this was one of the most difficult concepts for me to grasp as I explored and studied Catholicism. Frankly, I thought it was a bit hokey until I started reading explanations from the Bible and church fathers. The most powerful is in John 6:25-71 when Jesus told those gathered that they had to eat his flesh and drink his blood to have eternal life. When the disciples questioned him, Jesus confirmed that he had meant what he said. Some of his followers were so turned off by the idea of eating Jesus' flesh and drinking his blood that they abandoned him. Catholics believe that if Jesus had actually meant for the elements to be merely symbolic, Jesus would have gone after the deserters and reassured them.
Bridges of mutual understanding
Let's be clear: I don't expect to convert anyone via this article (my mom, by the way, now will attend mass with me—but she remains firmly evangelical). Instead, my intention is to help create some bridges of understanding for evangelicals about Catholics—bridges that go two ways. Having participated in both fellowships, I can attest we both can gain much from each other. Catholics could use evangelicals' help in building community (small groups, for example) and approachability (such as making the mass more accessible to newcomers). Similarly, evangelicals might look to their Catholic brothers and sisters for how to appreciate the Christian church's history and how to incorporate meaningful traditions in worship.
If Christians want to follow the Great Commission (Matthew 28:16-20) and win people for Christ, we need to band together. Does that mean we ignore our differences and pretend they aren't there? No. But rather than fixating on our differences and making enemies of each other, through accurate mutual understanding we can build on our shared convictions and can together be powerful messengers of the gospel.
Download TCW resource, "The Protestant-Catholic Divide," to learn more about interfaith dialogue. Also read about what Pope Benedict XVI's papacy meant for women on TCW's sister site, her.meneutics.
Christy Scannell is a freelance writer and editor living in California. She is the co-author of the three-book series, Secrets from Lulu's Café. christyscannell.com.
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Christy is spot-on. While there are important differences for Catholics and Evangelicals to continuing discussing, these should be 'kitchen-table' chats between occupants of the same house of Christianity (to use C.S. Lewis' excellent metaphor). For either group to accuse the other of evil is blatantly un-Christlike. With love, we must both bear quiet witness to what we understand to be God's truth, and humbly seek better understanding of truth. As we all draw closer to Christ, we will draw closer to one another.
Barbara Brooks
I see many educated evangelicals leaving their churches for Catholicism or the Greek Orthodox church. Usually they have an underlying longing for ritual and reverence. However, what is the trade off? In the Catholic Church the lay people cannot decide how funds are spent, remove immoral priests or make any major Church decisions. Is that ethical? Obedience is a virtue, but it isn't a blind, top-down thing in the New Testament. A person who joins the Catholic is joining forces with an organization that refuses to allow its members to expel ungodly priests or decide financial priorities. Isn't there a better way to fulfill the longing for ritual, reverence and timelessness than partnering with one of the least transparent, most autocratic churches in history?
We must distinguish between individual Catholics, on the one hand--and *official* Catholic dogma, on the other. Rome *officially* teaches (and this is affirmed by the priesthood) the idolatrous worship of earthly objects--bread and wine--as literal manifestations of Christ; and teaches that the eucharist is a *perpetuation* of the sacrifice Jesus made at the Cross. In other words, *official* Roman dogma *denies* the sufficiency of the Cross to pay for sins. That is anti-Gospel on par with the error that was made by the Galatians. Every Protestant and Catholic concerned about the conflict should study this epistle closely. But *not every individual* Catholic believes Rome's false doctrine, and therefore within the Roman church, true Christians can be found. But the Roman church, *officially* speaking, is a *cult*.


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- Presenter
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Episode 4 of 4
Duration: 1 hour
In this final episode, Nigel and Adam look at Britain's heritage foods - the old favourites still on our shopping lists today - and how the way they are cooked and who eats them has changed over the years.
With pigs having historically provided food for British families all year round, and with every county in the country still rearing pigs, pork in its many forms, from ham to bacon and sausages, is the most popular choice of meat in the world. So how do farmers meet our demands for pork? The boys discover by rearing their own three different breeds of pig.
As the series draws to a close, Adam takes to the markets to sell off the produce to raise funds for Children In Need.
See all previous episodes from Nigel and Adam's Farm Kitchen
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A man in a black van exposed himself to a woman Sunday morning as she was walking her dog in the 1000 block of Beards Hill Road.
A mailbox in the 700 block of Courtney Drive was smashed overnight.
Someone was riding a go-kart Sunday at Liberty and Victory streets.
A woman stole a ring from Saxon's Sunday.
People were drinking behind a Dumpster Sunday in the 100 block of South Philadelphia Boulevard.
A person was shot with a paintball Sunday in the parking lot at Walmart.
A woman was asleep in the lobby of the Travelodge Monday. She left and returned an hour later.
A trash truck employee fell off a truck Monday in the 200 block of Custis Street.
A phone was stolen from the Verizon store Monday in the 1000 block of Beards Hill Road.
A car was broken into Monday in the first block of Swan Street.
A juvenile female shoplifter was in custody Monday at Walmart.
The sheriff's office and state police report:
Lauren A. Reynolds, 28, of the 200 block of Ferring Court, was charged Saturday with second-degree assault.
Vandalism was reported Thursday in the 2900 block of Raking Leaf Drive.
Two students from the Center for Educational Opportunity in Aberdeen got in a fight Thursday in the 2800 block of Laurel Bush Road.
Men were "working" Friday on an abandoned home in the 300 block of Tennyson Court.
Identity theft was reported Friday in the 800 block of Oak Mill Court.
A neighbor crashed a car into a fence Friday in the 3100 block of Birch Brook Lane.
The driver's side window of a car parked in the 2000 block of Knotty Pine Drive was damaged Saturday.


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The student portal audience is current matriculated students. They require a username and password to access the system therefore it is not available to anybody who does not have login access to the Edinburgh Napier IT network. This means that staff also have access to the student portal. The student portal is currently being reviewed to ensure that it meets the needs of our student body.
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31 U.S. Code § 6708 - Adjustments of local government allocations
(a) Maximum Amount.— The amount allocated to a unit of general local government for a payment period may not exceed the adjusted taxes imposed by the unit of general local government as determined under section 6705 (b)(3). [1] Amounts in excess of adjusted taxes shall be paid to the Governor of the State in which the unit of local government is located.
(b) De Minimis Allocations to Units of General Local Government.— If the amount allocated to a unit of general local government (except an Indian tribe or an Alaskan native [2] village) for a payment period would be less than $5,000 but for this subsection or is waived by the governing authority of the unit of general local government, the Secretary shall pay the amount to the Governor of the State in which the unit is located.
(c) Use of Payments to States.— The Governor of a State shall use all amounts paid to the Governor under subsections (a) and (b) for programs described in section 6701 (a)(2) in areas of the State where are located the units of general local government with respect to which amounts are paid under subsection (b).
(d) De Minimis Allocations to Indian Tribes and Alaskan Native Villages.—
(1) Aggregation of de minimis allocations.— If the amount allocated to an Indian tribe or an Alaskan native [2] village for a payment period would be less than $5,000 but for this subsection or is waived by the chief elected official of the tribe or village, the amount—
(2) Use of aggregated amounts.— Amounts aggregated under paragraph (1) for a payment period shall be available for use by the Attorney General to make grants in the payment period on a competitive basis to Indian Tribes [3] and Alaskan native [2] village [4] for—
[1] So in original. Probably should be section "6705(c)(3)."
[2] So in original. Probably should be capitalized.
[3] So in original. Probably should not be capitalized.
[4] So in original. Probably should be "villages".
Source(Added Pub. L. 103–322, title III, § 31001(a),Sept. 13, 1994, 108 Stat. 1872.)
Prior Provisions
A prior section 6708,Pub. L. 97–258, Sept. 13, 1982, 96 Stat. 1017, related to county area and county government allocations, prior to repeal by Pub. L. 99–272, title XIV, § 14001(a)(1), (e),Apr. 7, 1986, 100 Stat. 327, 329, eff. Oct. 18, 1986.
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After reading the first review, I almost didn't make these bars. But I'm glad I did. I brought them to a pot-luck holiday party. I cut them into small bite sized pieces. They looked very nice and tasted delicious. The reminded me of pecan pie, with a crust, caramel middle and a nut top. I use half the granulated sugar and it was sweet enough. I would make these bars again.
Salty-Sweet Pine Nut Bars
Arreis Posted: 12/19/13
gmboucher Posted: 01/31/14
Satenig Posted: 09/12/13
These were the most disgusting things I have ever made. They were way too sweet. Couldn't even handle them. All the gooey stuff all over your hands. And a complete waste of money on the pine nuts.
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The midsize pickup field has been whittled down to just two players for 2014: the Nissan Frontier and the Toyota Tacoma. The very capable 2014 Frontier offers a more powerful V6 and its entry-level model comes with a more spacious King Cab as standard fare. As an alternative to a full-size pickup, the Frontier offers impressive power and tow ratings. However, as some newer full-size trucks now beat the Frontier's fuel economy and towing, the Frontier's smaller footprint becomes its most appealing selling point. A look at some of the Frontier's features give a clue that this truck is designed more for recreation than as a heavy hauling work truck. From its spray-in bedliner to its advanced navigation and infotainment options, the Frontier is designed to be rugged, comfortable and affordable.
If you're looking for a tough and affordable truck with serious off-road credentials, but you don't have the space for a full-size pickup, the 2014 Nissan Frontier is the perfect solution. Tow-rated up to 6,500 pounds, the Frontier can pull more than most crossover SUVs.
Big jobs still require a big truck. The Ford F-150 and Ram 1500 have more power and get better gas mileage than the Frontier, although they also cost a fair bit more. Those seeking a simple regular-cab truck will have to look to the Toyota Tacoma.
out of 2Fuel Economy
out of 2Horsepower
New standard features for the S trim with automatic transmission include Bluetooth, cruise control and air conditioning, while heated cloth seats are made standard on PRO-4X and available on the SV. Three new wheel options, upgraded audio and navigation, and a sliding rear window on all Crew Cabs except the S trim round out the changes for 2014.
Driving Impressions As a daily driver, the 2014 Nissan Frontier holds its own against the Toyota Tacoma and drives as well as most truck-based SUVs. However, the Frontier's ride does become noticeably...... harsh when it encounters rough pavement and unpaved roads. When equipped with the 4.0-liter V6 the Frontier feels strong and confident, offering up plenty of power for passing or pulling, even at high speeds. The V6's fuel economy, on the other hand, didn't impress us, especially in around-town driving where we averaged about 15 mpg. Inside, we found the Frontier's cabin quite comfortable, with a well laid out dash and firm seating. Unfortunately, the large exterior mirrors produced more wind noise than we'd have liked. For those looking to take their truck off-road, the Desert Runner package offers 4-wheel drive and Bilstein performance shocks, while the PRO-4X brings additional skidplating and a locking center differential.
This helpful feature comes with the navigation system and provides up-to-date information regarding traffic, weather and even points of interest. The new Apps feature allows integration with an iPhone or Android smartphone, further expanding the system's capabilities.
Keeping objects from falling out of the truck bed is always a good idea, which is why we love the available built-in Utili-track system. With adjustable tie-down cleats built into the bed, the system can be configured to hold all manner of cargo or equipment.
The 2014 Frontier's cabin is versatile and comfortable. King Cab models feature a pair of small, forward-facing rear seats with storage bins beneath, while Crew Cab models have a 3-row bench that's comfortable enough for adults. The King Cab has easy rear access thanks to half-size rear-hinged doors, while Crew Cabs use regular doors. All Frontiers boast storage versatility with rear seats that flip up to create open space and a front passenger seat that folds flat to become an impromptu workstation. Cloth is the standard seat material, with leather available. Lumbar support in higher trims improves driver comfort. We wish the steering wheel would telescope and not just tilt.Exterior
With its raised fender flares and blocky design, the Frontier has a familiar family resemblance to Nissan's Xterra SUV and Titan full-size truck. Unlike the mammoth Titan, the smaller Frontier has a sportier, more athletic attitude. King Cab and Crew Cab models have the same overall length of 205.5 inches. A long bed is available in Crew Cabs, giving them the same 73.3-inch size of those found on King Cab models. PRO-4X models have multiple skidplates to protect vital parts from nature's jabs. Top-line Crew Cab SL trims have tubular roof rails similar to those on the Xterra.
Except for base S King Cab models with a manual transmission, most 2014 Nissan Frontiers are reasonably well equipped. The base S with an automatic includes air conditioning, cruise control, an AM/FM/CD stereo and Bluetooth. Stepping up to SV trim adds features like power windows and mirrors as well as a USB-equipped audio system with color display. PRO-4X models have 4-wheel drive standard and a locking differential. The Crew Cab SL brings leather seats, Rockford Fosgate premium audio and the NissanConnect system. Frontier King Cab models come with a 4- or 6-cylinder engine, while all Crew Cab models exclusively use the V6.
Most convenience and performance features are tied to varying trim levels of the Frontier, but some packages are available. Among them is a Preferred Package for King Cab S models that adds the much-needed AM/FM/CD player and air conditioning. Higher-trim models can add features such as the Utili-track tie-down system, a rearview monitor, a tow hitch, navigation, Bluetooth wireless streaming and Pandora radio. Crew Cab models can substitute their roughly 5-foot-long bed for one that's just over six feet like those in King Cab models. Accessories include a bedliner, step rails and even a dome tent for the truck bed.
Two engines are offered in the 2014 Nissan Frontier: a 4-cylinder that's available in rear-wheel-drive (2WD) King Cab models, or a more powerful V6 offered in all Crew Cab models and higher trims of the King Cab. Transmission choices include 5-speed and 6-speed manuals or a 5-speed automatic. Even 4-cylinder models have a respectable tow rating of 3,500 pounds, and rear-wheel-drive V6 models can tow up to 6,500 pounds. All 2014 Nissan Frontiers run on regular unleaded gasoline. The Frontier's fuel economy is rated at only up to 23 mpg for 4-cylinder models or 22 mpg for V6 versions.
2.5-liter inline-4
152 horsepower @ 5,200 rpm
171 lb-ft of torque @ 4,400 rpm
EPA city/highway fuel economy: 19/23 mpg (2WD, manual), 17/23 mpg (2WD, automatic)
4.0-liter V6
261 horsepower @ 5,600 rpm
281 lb-ft of torque @ 4,000 rpm
EPA city/highway fuel economy: 16/22 mpg (2WD, manual), 16/22 mpg (2WD, automatic), 16/21 mpg (4WD, manual), 15/21 mpg (4WD, automatic)
The 2014 Nissan Frontier has a Manufacturer's Suggested Retail Price (MSRP) starting just under $19,000 for an S trim King Cab with a manual transmission. At the other end of the spectrum, a 4WD Frontier Crew Cab SL starts close to $35,000. The Toyota Tacoma's base price is a few hundred less than the Frontier's and provides more standard features but less interior room. Roomier versions of the Tacoma with rear seating are comparable in price to similarly equipped Frontiers. Before buying, be sure to check the Kelley Blue Book Fair Purchase Price below to see what others in your area are paying for the 2014 Nissan Frontier. In the battle for resale value, the Nissan holds its own, but isn't as high as that of the Toyota in this 2-horse race.
To compare current market prices, check out KBB.com's car classifieds to view the new and used Nissan Frontier King Cab vehicles for sale near you.
Based on 145 Ratings for the 2005 - 2014 models.Review this car
By Mark on Tuesday, September 16, 2014
I own this car - My approximate mileage is 102,000overall rating 9 of 10rating details
Likely to recommend this car? (1-10): 9
"Currently 102000 miles, not one problem. Truck has original brakes! Nissan quality. Only dislike is the use of hard, cheap plastics inside. But for $26000, I will take it. I have owned 2 frontiers and would not hesitate to buy a third."
7 people out of 13 found this review helpful
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By JM on Monday, August 25, 2014
I own this car - My approximate mileage is 3,500overall rating 10 of 10rating details
Pros: "Power,MPG,Towing,Rack&Pinion,4W Disk,Roomy,"
Cons: "So Far None"
Likely to recommend this car? (1-10): 10
"@ 3500 Mile's it is way too early to give a Value, Reliability, or Quality Review, but so far so good. Previously owned a '93 Nissan KK, AT, 2WD, 4cyl. Bought it New,, Kept for 20 year's, & 176K Mile's. It was a really good Truck, and nothing major wrong with Truck, when I sold it. Engine was still Smooth, Quiet, and AT,, was still good with no problem's. Paid 11K $'s,, and sold it for 4K $'s. So don't let anybody tell you that a Nissan doesn't hold it's Value, as long as you take good care of it,, with Floor Mat's, Seat Cover's, & Engine Maintenance. They Pay Good Money for a Truck that is Taken Good Care of. Nobody Want's a Ragged Out Raw Hided Truck with hole's in the Seat. Which is mostly why, I went with a New Nissan Truck Again in 2013. Although Money Talk's,, and Nissan Beat's the Heck out of Toyota and the Othern's on Price and Value. Nissan V6's come standard with a Transmission Cooler,, but a Toyota V6 doesn't. That's a Big $ item too. So far my 2013 SVV6 AT 2WD KC Frontier is doing well,, with no problem's. Engine is quiet,, but a new engine should be, anyway. MPG - I'm getting right @ 21 MPG with mixed driveing,, which is about what I was getting with the '93 AT 2WD 4Cyl KC. Same Driveing over same route, same Station/same Pump, And that's Amazing to me. :) So far so good, but I'll know more in about 10 year's."
2 people out of 3 found this review helpful
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By Cliff B on Friday, July 04, 2014
I own this car - My approximate mileage is 22,325overall rating 4 of 10rating details
Pros: "Gets 19 miles to gallon"
Cons: "Cramped driving, no leg room, thin paint on body"
Likely to recommend this car? (1-10): 1
"I bought a new Nissan Frontier ,in Riviera Beach Fl. about one year ago, have 22K miles, at 4000 miles went to rotate tires did passenger side first then drivers side second rear lug spun, Service said you touched we're not responsible, Nissan Motor Corp. said they don't have factory defects, they wouldn't fix either. at 6000, miles stereo speakers went out, service said nothing wrong with speakers would not replace, 15000 miles drivers side rear half inch bolt reduced to 3/8 inch thread holding leaf spring to shackle broke, I had a Samsung refrigerator in truck bed, leaf spring failed then passenger side failed, resulting in my paying $660. to reshape leaf springs and add helper spring to correctly fix sprung leaf springs, Service rep said I must have over loaded truck, A Refrigerator? Really. Then last week 6/28/014 battery was dead and had to replace, of course Dealer still wouldn't stand behind factory warranty, It Had a Warranty?"
17 people out of 29 found this review helpful
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Book your room at The Emperor Happy Valley Hotel
Standard Room, 2 Single BedsMax Occupancy: 2 guests (up to 1 child)
Deluxe Room, 1 Double or 2 Single BedsMax Occupancy: 3 guests (up to 1 child)
Hotel in Hong Kong (Happy Valley) near Happy Valley Race Course
This hotel is located in Hong Kong (Happy Valley), close to YY9 Gallery, Happy Valley Race Course, and Hong Kong Stadium. Also nearby are Queen Elizabeth Stadium and Times Square Shopping Mall.
Hotel Features
In addition to a restaurant, The Emperor Happy Valley Hotel features a coffee shop/café. Other amenities include dry cleaning/laundry services and laundry facilities.
Room Amenities
Televisions come with satellite channels. Guestrooms also feature air conditioning, safes, and minibars.Information missing or incorrect? Tell us!
The Emperor Happy Valley Hotel
At your hotel
The hotel offers a restaurant and a coffee shop/café. This 3.5-star property offers access to a business center and meeting rooms. This Hong Kong hotel also offers multilingual staff, concierge services, and laundry facilities.
- 24-hour front desk
- Number of floors - 23
- Business center
- Coffee shop or café
- Conference space
- Dry cleaning/laundry service
- Elevator/lift
- Babysitting or childcare
- Airport transportation
- Laundry facilities
- Concierge services
- Meeting rooms
- Multilingual staff
- Total number of rooms - 150
- Restaurant
- Room service (limited hours)
- Area shuttle (complimentary)
In your room
- Air conditioning
- Phone
- Bathtub only
- Satellite TV service
- Coffee/tea maker
- Complimentary toiletries
- Desk
- Hair dryer
- Daily housekeeping
- In-room safe
- Minibar
- Pay movies
- Slippers
Eat and drink
The Emperor Happy Valley Hotel has a restaurant on site.
Room service (during limited hours) is available.
The fine print for The Emperor Happy Valley Hotel
When you arrive
Check-in time starts at 2 PM
When you leave
Check-out time is noon
You need to know
Extra-person charges may apply and vary depending on hotel policy.
Government-issued photo identification and a credit card or cash deposit are required at check-in for incidental charges.
Special requests are subject to availability upon check-in and may incur additional charges. Special requests cannot be guaranteed.
Breakfast Offer
Book a stay in a Deluxe Room and receive 1 complimentary buffet breakfast daily in the hotel's restaurant. Includes 1 daily breakfast per booking only. Breakfast for additional guests is available for a surcharge (paid directly at the hotel). May not include taxes and gratuities. Other restrictions may apply. Valid anytime, subject to availability.


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7 Arrested Development Themed Cocktails
Add all these drinks to your Arrested Development party menu.
This is one of the first Taylor Swift pictures I did for my best friends birthday.. There's a bunch more to come :)
Another Taylor Swift picture that I gave to my best friend.. I was really keen to do this after seeing her in concert, she was amazing!
I loved this photo of Taylor Swift so much that I had to draw it up. It almost seems unfair that someone can be so perfect and flawless, lol..


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Rain prevented attendees from seeing the sun's shadow on the sculpture of 10-year-old Maura Donnelly in .
Every year at 10 a.m. on June 26, the shadow of the running girl perfectly aligns with the base of the statue.
The sculpture was created by artist Don Wiegand in 1988. It was installed in the park on June 26, 1999.
The group was invited to tour Wiegan's studio and museum in Chesterfield Valley after learning more about the sculpture.
Correction: This article has been updated to correctly identify Barb Haney in the photographs. This article was last updated at 10:30 a.m. on June 28.


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Amazon's Gold Box deal has "Grand Theft Auto IV" and "Max Payne 3″ PC Download Bundle going for only $25! These two games are two of the biggest hits in Rocktar's franchise and now get both at a very low price! You get to choose from the Steam DRM or Games for Windows Live DRM version.
"Grand Theft Auto IV" is an exciting game that features Niko Bellic and his search for the American Dream. Fresh off the boat from Europe, he's looking to escape his past and look for bigger and better things. . For his cousin, Roman, it is the vision that together they can find fortune in Liberty City, gateway to the land of opportunity. As they slip into debt and are dragged into a criminal underworld by a series of shysters, thieves and sociopaths, they discover that the reality is very different from the dream in a city that worships money and status, and is heaven for those who have them and a living nightmare for those who don't.
"Max Payne 3" is a game about a fallen cop who lost his loved runs and wants revenge. He's no longer a cop, close to washed up and addicted to pain killers, so he decides to go and take a job in São Paulo, Brazil, protecting the family of wealthy real estate mogul Rodrigo Branco, in an effort to finally escape his troubled past. But as events spiral out of his control, Max Payne finds himself alone on the streets of an unfamiliar city, desperately searching for the truth and fighting for a way out.


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I recently made a huge mistake. I treated this blog, a public blog, like my diary, recording my every feeling, both conscious and subconscious, onto it without a second thought, and not deleting anything from the things I was typing. I realize this mistake, and I apologize for anything that I might have said, for any perceptions I might have changed, for any feelings I hurt. A post that initially started as a criticism at myself, and how I've learned to adapt, turned into a vicious attack onto others, something that I never anticipated for I didn't even realize that I was feeling the things that I was typing. The vicious monster that was emerging from my innermost feelings had been previously unrecognized and unanticipated, so upon reading what I wrote, I was shocked and disappointed at myself. This attack was a result of rants that now I am wary of. I realize where I was (and am) at fault, I realize and recognize and have named the monsters and the skeletons that have been hiding in my closet, and I am resolved to change it. But until I can truly become the better person who I want to be (and until now, had truly believed myself to be) I've started another, secondary private blog, which I am going to update. If you really want to know every single thought that runs through my head, pretty or ugly, ask for the password, and I might give it to you. jocelyno.tumblr.com.
Goodbye, tumblr #1. It was good knowing you. Maybe I can update you again, when I can shamelessly say the things going through my head (and things not going through my head as well), for they have all become positive thoughts. I hope that day will someday come, but until then I must say farewell.
If I feel up to it, I might transfer all of these posts onto the new private one, and delete them on this one. Who knows? Depends on my mood, I suppose (which a lot of things seem to revolve around). Or maybe I should leave all this crap on this one.. serve as a memory, a motivation..
train this ain't goodbye


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Found September 02, 2013 on Dodgers Rumors:
PLAYERS: Michael Young, Don Mattingly, Juan Uribe, Rob Rasmussen, Nick Punto
TEAMS: Los Angeles Dodgers
TEAMS: Los Angeles Dodgers
So the dust has settled on the Michael Young trade. With a day or so to reflect on the trade, I still find it utterly pointless. Why the Dodgers brought in another over-priced declining infielder, for what exactly? Not one clue. I got nothing over here. It wasn't to be the starting third baseman, Dodgers manager Don Mattingly says Juan Uribe is still the team's starting third baseman and Young will see time at both corner infield positions, according to Bill Shaikin. Yep, you are still scratching your head, awesome, right? From Michael Young's perspective it's a no-brainer. Why not waive your no-trade clause and play for the Dodgers? The Dodgers are heavy favorites to make the playoffs in 2013, the Phillies, not so much. It's not a bad deal for the Dodgers. Just unnecessary. The Dodgers get Michael Young to the Dodgers for minor-league pitcher Rob Rasmussen, the Dodgers just overpaid. Rasmussen is way too much for a bench player. Ridiculous Colletti shenanigans. Philadelphia is also paying the Dodgers about $1.7MM – the amount the Phillies were still due to receive from the Rangers as part of their original trade for Young in December. That's a plus. I suppose he's better than Nick Punto. So that's a plus. It's certainly not a bad deal. Giving up Rasmussen is definitely too much, but it's not like he was going to be cracking the big leagues anytime soon. Young will be able to make an immediate impact, and he might just be the best veteran bench player in the league. Young is well regarded as clubhouse guy and great teammate. Young is a winner, the Dodgers are winners. So maybe this one will work out after all. Related Posts:Can Colletti Bring Michael Young To The Ravine?Dodgers rumored suitors for Bourn and RolenDodgers Trade John ElyAround The Bases: Dodgers Winter Meetings Day 4Dodgers Update: Winter Meetings Day Two
Original Story: http://www.dodgersrumors.com/post-mic...
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Calomiris's ridiculous take on the mortgage settlement
Cheyenne Hopkins of American Banker, who first published the terms of the proposed mortgage servicer settlement in March, has now got her hands on a ridiculous paper from Charlie Calomiris, Eric Higgins, and Joseph Mason, which says that the settlement is a bad one which could cost the economy $10 billion a year.
You only need to look at the bottom of the first page of the paper to see where this thing is going.
First of all, there's nothing in the proposed settlement saying that principal write-downs should be conducted "regardless of borrower distress." To the contrary, the talk of principal reductions explicitly applies only to delinquent mortgages. Which actually the authors know full well, since on page 10 they say that "the settlement's approach to loan modifications would encourage strategic default." They can't really have it both ways.
As for the fact that the paper was bought and paid for by the very banks opposing the settlement, Mason tells Hopkins that "we never allow any funder to dictate our conclusions." But of course he doesn't need to, since the authors know full well what they're expected to produce. It's basically a variation on that notorious Greenspan op-ed: attempts to regulate the financial services industry have failed in the past, therefore there's no point in even trying any more.
Some of what the authors write about loan servicers defies belief:
NPV calculations are already used by servicers, exercising their fiduciary duty to maximize the value of payouts to investors, in determining whether a borrower qualifies for a loan modification…
That servicers have not modified more loans indicates that, under their NPV analyses, additional modifications would not result in higher payouts for investors, despite the benefits of avoiding a protracted and expensive foreclosure process…
Servicers already use NPV analyses as a matter of course. If a servicer finds a modification to be NPV-positive, then it will likely modify the loan without any regulatory oversight.
Even bankers aren't making these arguments with a straight face any more. But, as HL Mencken famously said, there is no idea so stupid that you can't find a professor who will believe it — and the banking industry, here, seems to have found just those professors.
In fact, this isn't stupidity: Calomiris et al aren't stupid. But it's intellectual dishonesty: they know full well about the various lawsuits and other attempts that mortgage-bond investors are making to get servicers to change their ways, and they also know full well that banks' servicing departments are badly-run and fundamentally broken. But somehow, after taking a long bath in bankers' dollars, they've managed to persuade themselves that those banks always exercise their fiduciary duty to investors and never foreclose when doing so makes little financial sense. (And, for that matter, they've also persuaded themselves that taking large amounts of money to write papers for the financial services industry has no effect on what they end up writing.)
As for the authors' attempts to quantify the costs of the settlement, they use numbers in the CFPB report uncovered by Shahien Nasiripour which says that "effective special servicing of delinquent loans would have cost 75 bps/yr more than the actual costs incurred" — except the way they put it is very different:
The CFPB recently estimated that five servicers avoided $24 billion in costs between 2007 and 2010, yielding a 75 basis-point reduction in interest rates.
Er no, the CFPB nowhere says or even hints that there was any kind of reduction in interest rates as a result of the banks' broken servicing operations. (And it wasn't five servicers, it was nine.)
I'm also particularly fond of the way that the authors calculate the increase in foreclosure inventory brought on by an increase in strategic defaults. "For simplicity," they say in footnote 48, "we assume all strategic defaults result in foreclosure."
The entire reason why strategic defaults would go up, according to the paper, is that borrowers will know that if they default, they'll get a loan modification. And yet somehow by the time we reach footnote 48, all those borrowers are mistaken, and in fact they won't get a loan mod: they'll be foreclosed upon instead.
It's unclear whether this paper was ever intended for public consumption, or whether it's just something for banks to quietly pass on to their lobbyists, who in turn will show it to lawmakers. But it's certainly harder to take Calomiris seriously in his attempts to revisit Dodd-Frank when he's happy churning out hack-work like this which shows him to be completely captured by Wall Street.
Thank you for quoting H. L. Mencken. Perhaps it is a good time to recall his definition of democracy: "The theory that the common people know what they want, and deserve to get it good and hard." Excuse me while i grabba cuppa tea.
I disagree with your take on their first part of their argument. "Regardless of the level of borrower distress" to me seems to limit that discussion to borrowers who are in distress of some kind. I think what they are saying is that for those borrowers in distress, the proposed settlement doesn't seem to make distinctions. If a borrower isn't delinquent, are they really in distress?
A. Demangone
We wouldn't wish to have the banks lose a portion of those profits by paying fines for their fraudulent acts and poor servicing standards. Things should just go on as planned… do not open pandora's box or make banks responsible or it will be bad for the economy….
Yes, poor banks… we are always bashing them and should stop. The taxayers and homeowners owe Bansters a debt of gratitude for being such wonderful and Godlike pillars of the community and of the economy. Seriously you must, because even their wives got a bailout…
Read this over your tea, samadamsthedog:
http://www.rollingstone.com/politics/new s/the-real-housewives-of-wall-street-loo k-whos-cashing-in-on-the-bailout-2011041 1
Loan modifications have failed mainly because the government has pussy-footed around banks insteasd of mandating action in clearly defined circumstances.
Lets talk solutions to the mess. We should start with a government interest rate registry, not sold tosolicitors, but used for governemnt to monitor and isolate unfair mortgages and mandate that they be reset to a reasonable rate above oprine.
And then lets revisit the acceoted but paradoxical notion that lesser credit more challenged borrowers get higher interest rates. This just makes the loan that much riskier for the bank. We need to get away from that. Maybe offer lower LTV options to them, but dont expect to give the poorest people the most expensive products, in what universe is that sustainable!
Damon Keaveny
I've read 8 pages of Calomiris. He should read the Congressional Oversight Panel December 2010 report. Settlement terms rely on this excellent analysis. For example, we learn that the NPV inputs were managed by servicers so as to make a modification less worthwhile than foreclosure. A recent attempt of Treasury involves using an updated NPV formula to avoid gaming this aspect of modification.
Calomiris refers to early modifications (05-08). These mostly ended up increasing the amounts borrowers had to pay. No wonder further default resulted.
If this paper is intended for Congress, it must be for members absent from the investigating committees!
Treasury (or HUD) would be better off taking modification over on behalf of debt holders, but that would really be contentious.


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Mission / Vision Statements and Student Outcomes
The Department of Music Mission Statement:
The Department of Music provides students with the foundation, experience, and specialized instruction necessary for success in a variety of music careers, advanced studies, entrepreneurship, and life-long learning.
[Mission revised by music faculty February, 2014].
The Department of Music Vision Statement:
The department of music aspires to be recognized nationally as a music school
providing a broad and rich foundation of training and experience, developing
flexible musical artists who are ready to engage with the world of music today.
The Department of Music will:
1. Prepare music students to be leaders in their professions by:
- establishing high standards through faculty modeling
- reinforcing high achievement through guest residencies and performances
- recognizing the evolutionary aspect of how music functions in the current culture
- equipping students with the ability to practice their craft at the highest level
- pursuing an active level of engagement with their communities within the field and the surrounding community
- demonstrating creativity in problem solving, pedagogy, and entrepreneurship
2. Serve as an innovator in music curriculum, performance, creativity and
3. Refine curricula to reflect the ongoing changes and challenges of the professional music environment.
4. Cultivate a supportive learning environment by actively promoting a climate of respect for personal and cultural differences, and by offering a range of services and activities to support the needs of the student musicians who come to us from around the world, and from a variety of musical backgrounds.
[March 2014].
Bachelor of Arts
Bachelor of Music
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Assessment at the Graduate level
|Bachelor of Arts
The graduate with a Bachelor of Arts degree in music will use the knowledge and skills obtained in the program to:
|Bachelor of Music
The graduate with a Bachelor of Music degree will use the knowledge and skills obtained in the program to:
|Bachelor of Music Education
The graduate with a Bachelor of Music Education degree will use the knowledge and skills obtained in the program to:
|Master of Arts
The graduate with a Master of Arts in Music degree (all emphases) will use the knowledge and skills obtained in the program to:
The Department of Music utilizes a variety of assessment tools in collecting data regarding student outcomes. Data are examined in an effort to provide feedback to the faculty to improve the teaching and learning process. The following are assessment tools used for baccalaureate degree students in music:
|Assessment at the Graduate level
2014 Music News
Music Faculty selected for National Performance - CMS - October 31, 2014. read more...
Kolby Koczanowski, Learning to a Greater Degree. read more...
Dr. Allison Robbins presenting paper in England, May 2014 read more...
Composer Spotlight: Honour and Omiccioli read more...
Lubaroff to Receive 2014 Governor's Award for Excellence in Education. read more...
David Adams featured on Kantorei of Kansas City CD released on the Resonus label read more...
UCM Students and Teachers earn multiple honors at 2014 NATS Students Auditions read more...


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231 results for "daryl morey"
The Forever War: A History and Future Timeline of the Daryl Morey...Jason Concepcion
See the Billionaire. He is tanned and thick, he wears a tight-fitting cotton-poly blend, shmedium shirt, a white horse in profile printed across the chest. He stokes the scullery fire and the stove grows hot. His folk come from the steel-mill towns o...Blog | September 30, 2014
Audio results for "daryl morey"
Daryl Morey, RocketsJune 06, 2014
The Herd 6/6 - Hour 2June 06, 2014
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NBA Windows: The Rockets' Missing Third Superstar and the N...Zach Lowe
The NBA has always been about opportunity: When one team's window opens, another's often closes. This year, more than any in recent memory, is all about these windows: superstars in new cities, icons nearing retirement, general manager...Blog | September 30, 2014
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Houston Rockets Introduce Dwight HowardJuly 13, 2013
Houston Rockets Introduce Dwight HowardJuly 13, 2013
Houston Rockets Introduce Dwight HowardJuly 13, 2013
2013 NBA D League ShowcaseJanuary 07, 2013
Smiling Mark Cuban: 'I am a bully'Tim MacMahon
DALLAS -- Dallas Mavericks owner Mark Cuban and Rockets general manager Daryl Morey, the faces of a rather fierce front-office rivalry between the two franchises, can agree on one thing. "I am a bully," Cuban said, smiling. "I just can't help myse...Blog | September 29, 2014
Houston Rockets GM Daryl Morey jabs back at Mark Cuban of Dallas ...
Rockets general manager Daryl Morey responded to Mavericks owner Mark Cuban's latest swipes against him, saying in a published interview that if the money's equal, free agents will always pick Houston over Dallas.Story | Conversation | September 29, 2014
Video results for "daryl morey"
Is Houston Or Dallas The Better Landing Spot?September 29, 2014
- 02:41
Rockets hit roster limitNick Borges
Houston Rockets general manager Daryl Morey has been very busy during the offseason retooling the team via the draft, trades and free agent signings. On Wednesday, the Rockets announced the signing of forward/center Tarik Black. Black played with ...Blog | August 28, 2014
Mark Cuban-Daryl Morey feud?Nick Borges
Sports teams in close proximity always have a good rivalry, but some are more intense than others. That can be said regarding the Dallas Mavericks and the Houston Rockets as Mark Cuban and Daryl Morey like to go at each other. That is one of the reas...Blog | August 23, 2014
First Cup: ThursdayNick Borges
Randy Harvey of the Houston Chronicle: We might not know for years whether Daryl Morey or Mark Cuban gets the last word. We're not even sure who got the first word. It appears to have begun with a misunderstanding last summer after Morey called Cuban...Blog | August 07, 2014
A Speculative Evaluation of Which NBA Free Agents Celebrated Thei...Alex Shultz
Marcin Gortat's Instagram is an international treasure. In the last month alone, he's posted pictures of himself hanging out with a pig, manning some sort of tank,and chilling by the poolside after having one too many Brok Premium...Blog | July 15, 2014
Rockets give Chandler Parsons motivationTim MacMahon
The Houston Rockets did Chandler Parsons two huge favors this summer. First, the Rockets exposed Parsons to restricted free agency, allowing the small forward to test the market instead of exercising the team option to pay him six figures in the f...Blog | July 15, 2014
Failure to launch for RocketsJason Friedman
"It was a tough weekend. ... We were very close to what we thought was maybe the best team in the NBA." Daryl Morey made his way through the sports radio circuit Monday morning, dutifully expressing the heartache attached to a mind-bending 48-hour s...Blog | July 15, 2014
Papanikolaou coming to Houston?Nick Borges
The Houston Rockets will have a new look this coming season after general manager Daryl Morey has finished all his transactions via the draft, free agency and trades. There is a good chance two foreign players will be part of the 15-man roster that o...Blog | July 15, 2014
The Best Way to Understand Daryl MoreyAndrew Sharp
The best way to understand Daryl Morey is think of Chris Paul at the end of playoff games. There's nobody more relentless, and nobody more devious, nobody with more stubborn dedication to defy the limits that apply to everybody else. Every angle...Blog | July 14, 2014
Rockets GM: Parsons deal 'one of most untradeable' everTim MacMahon
Houston Rockets general manager Daryl Morey referred to Chandler Parsons' three-year, $46 million deal as "one of the most untradeable" NBA contracts he's ever seen. Consider that a kind of twisted compliment to the Mavericks' front office that si...Blog | July 14, 2014
Rockets next targets: Love, RondoNick Borges
The Houston Rockets may have struck out on getting Chris Bosh and lost Chandler Parsons to the Dallas Mavericks, but that is not going to deter general manager Daryl Morey from pursuing the top talent in the NBA. With that in mind, Morey is likely go...Blog | July 14, 2014
Are Rockets still willing to pay Parsons?Tim MacMahon
Now what will Daryl Morey do? The Houston Rockets were willing to step into luxury-tax territory to exercise their right to keep Chandler Parsons if they were first able to sign Chris Bosh to a near-max deal. That scenario is off the table, howeve...Blog | July 11, 2014
Mavs-Rockets front office rivalry intensifiesTim MacMahon
This Chandler Parsons offer sheet is business for the Dallas Mavericks, but if Mark Cuban is being honest, it's also personal. Cuban might never admit this publicly, but he's surely taking great pleasure in forcing Houston Rockets general manager ...Blog | July 11, 2014