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Where you live can affect credit use
Where you live can make a big difference in how you use -- or misuse -- credit, but it's more complicated than just your address.
Where you live can make a big difference in how you use -- or misuse -- credit, but it's more complicated than just your address.
When credit bureau Experian released its third annual State of Credit report in August 2012, listing average credit scores for municipalities all over the United States, it revealed that eight of the 10 cities with the highest average credit scores were in the Midwest, while all 10 cities with the lowest average scores were in the South.
Local economic conditions are a big part of the explanation, with the top 10 cities boasting some of the nation's lowest unemployment rates, while the bottom 10 are suffering with some of its highest. No mystery there: When people can't find jobs, they often can't pay their bills.
But local job markets tell only part of the story, as a closer comparison of unemployment figures and credit scores proves. For instance, Hartford, Conn., with 8.5 percent unemployment has an average Experian VantageScore of 771 -- 21 points above the national average of 750. Jacksonville, Fla., has the same 8.5 percent unemployment rate, but its average credit score is 729 -- below the national average by an equal 21 points.
"It's a whole combination of factors," says Rod Griffin, director of public education at Experian. "You're comparing apples and oranges and pears, with an avocado thrown in for the West. The survey did not go into the socioeconomic or psychological behavior of the individual."
Here's a look at how your location can affect your lifestyle and change how you use credit, thus impacting your credit score:
The 'flashiness' penalty
Call it the "keeping up with the Joneses" effect. If you live in an area where your image may count more than your reputation, your spending may outpace your ability to keep your bills manageable, say experts.
"Our offices are in Fort Lauderdale. It's a very flashy town," says Howard Dvorkin, founder of Consolidated Credit Counseling Services. "If you're driving around in your Honda Civic, and everyone else is driving around in Mercedes and BMWs, your self-worth is affected, though it can't be quantified mathematically." Thus, the need to live up to local standards of opulence can drive people to overspend and get into trouble with excess debt.
The pressure is greater, he adds, in urban areas. "You're more observable in a high-density population. So much of your behavior is apparent to others, you're much more driven to manage the impression you make. It's why people in cities look better and why they dress better. You can hide your credit score, but you will still display your Armani jacket."
Fashionistas have to spend more and thus are likelier to use more credit, says Elaine Notarantonio, professor of marketing at Bryant University in Smithfield, R.I.
The need to keep up with a flashy population can easily get out of hand, however. "When I lived in Los Angeles, I was standing in line at a credit union. I could overhear the conversation ahead of me," says Thomas O'Guinn, professor of marketing at the University of Wisconsin-Madison and an expert on the sociology of consumption. "A man was clearly borrowing quite a bit of money." The loan officer was reluctant, but eventually agreed to the loan. "Given all the angst, I was convinced it was for a house," O'Guinn says. "But it turned out to be for a Mercedes."
The 'housing hangover' effect
You felt like you were rich when your house ballooned in value, and you lived like it. Now it's no longer worth what you paid for it, but you still live high on the hog, and your credit suffers as a result.
And instead of owning up to your growing debt, you may find yourself abdicating fiscal responsibility. For example, a shift in attitude can occur when large numbers of homeowners find themselves living in money pits. In communities with many underwater houses, some homeowners have chosen to "strategically default," meaning they decided to stop making payments on their mortgages even though they could still afford it.
"If you live in an area like Southern California where there's a depressed real estate market, and foreclosures and strategic defaults are happening, people are no longer shameful about having done it," says O'Guinn. "If you live in an area where that becomes common, then it seems OK to do. Do people take it lightly? No. But it becomes normalized."
People are very powerfully affected by their neighbors' behavior, says Notarantonio. "One study I read showed that people's energy-saving behavior is greatly increased if they know that others in their neighborhood are doing more to save energy. That led an energy company to send its customers reports showing how their power consumption compared to the neighborhood average."
In the freewheeling atmosphere of Las Vegas, for example, big spenders who thought the good times would never end were hit especially hard when the housing bubble burst, according to Las Vegas Sun columnist J. Patrick Coolican. During the good times, he says, there was plenty of work to be had at good wages, and construction was strong with plenty of overtime available. "Then you throw in the rapid rise in home prices and that accelerated the wealth effect. People believed they were richer and they were more free-spending. Those things together led to some irresponsible financial habits -- I don't think there's any question about that. That's why when the crash came, we really crashed hard."
In turn, some Las Vegans are taking this social acceptability of default one step further by holding lenders accountable for faulty or fraudulent foreclosures. "We passed legislation that created criminal penalties for a bank mistakenly or fraudulently taking someone's home," Coolican says. "So banks have become very reluctant to foreclose." As a result, the Experian study notes, foreclosures in Las Vegas have dropped about 163 percent from 2011. Thanks to that reduction, the city has an average credit score of 714, and beat out Savannah, Ga., by one point, lifting itself out of the bottom 10 for 2012.
But the reprieve may not last, Coolican warns. Eventually, he believes, the state legislature may change the law to make fraudulent foreclosures a civil rather than criminal matter. If that happens, the number of foreclosures in Vegas may climb again. "It's left a lot of people strategically squatting in defaulted homes," in the meantime, he says.
More from CreditCards.com:
I believe that the Credit Agencies should differentiate between a viable credit score and an unviable credit score.
A lot of people "shake in there boots" when they hear the country's average credit score,
A Seven-Hundred and what. In reality, a lot of people that have not participated in society in many years have high scores, but aren't able to get any credit, and I mean jailbirds and drunks. On the other hand, people who work everyday and use credit often have scores in the Six- Hundreds.
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Photography Internship Job Listing at GreekYearbook in Hunt Valley, MD (Job ID 1670019)
We are the nation's leading photography company at the college level and we work with tens of thousands of students all over the country.
We have an incredible student internship program that may lead to full time employment or contract work. Our internship program provides the opportunity to work with and learn from industry professionals across the country. Youll be a part of a young and creative environment. This internship will provide college credit for photography, photo editing or related field.
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The spec doesn't match IE with <isindex> parsing. The spec generates <p> and <label> which IE doesn't. The <p> causes spacing. Other browsers don't have such spacing, either. The <label> seems fine, though. I'd suggest to not imply the <p>. -- Simon Pieters Opera SoftwareReceived on Tuesday, 2 June 2009 11:34:16 GMT
This archive was generated by hypermail 2.2.0+W3C-0.50 : Wednesday, 9 May 2012 00:16:38 GMT


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MADISON (WKOW) -- The first snowfall of the season is always a big challenge for county highway departments. This weekend is set to be quite the challenge for them. A mix of snow, sleet, rain you name it.
Despite having a slow season so far, they haven't forgotten how handle the streets.
"Everybody says the first snow storm of the year even if it's small people have to remember to drive cautiously," George Dreckmann of the City of Madison explains.
Friday afternoon city snowplows in Madison started laying salt brine. A mixture of 23% salt and 77% water in order to prep the roads in case of a freeze.
"Given the nature of weather you just don't know. So we've prepared for anywhere up to three inches," Dreckmann says.
Good news is thanks to a slow March and April and an even slower November, there's plenty of salt to go around.
"We probably have 3,000 or so tons left from last year of county salt. It's about $50 a ton so that's $150,000 we didn't have to spend this year," Ben Coopman says.
Ben Coopman from the Rock County Highway Department says they've saved thousands during the slow Winter. Saving money on sand, salt, and wages, even giving them extra time to focus on potholes and patching. Those tasks were both put on standby as workers finally got to focus on Winter.
"Our guys know Winter is here now," Coopman says. "This is the first event and they're all pretty well in tune with knowing that there's a chance they might have to come to work the next couple days."
Highway supervisors are hoping the salt brine will be enough to keep the roadways clear. It all depends on how cold it gets. If it's only rain and sleet they might be okay with just the brine, but if there's some snow they'll probably have to send some extra crews out.
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Join Now
Join ePHOTOzine, the friendliest photography community.
Upload photos, chat with photographers, win prizes and much more for free!
If you want a software that is totally free, simple to use , doesn't need to be downloaded and has all the basic features plus lots more have a look at this. http://ipiccy.com/. Hope you like it. I use it all the time.
Cheers, Colin
Quote: I see Adobe have got some of their earlier software for free.
OK, it might be CS2, but it is free and will do all that you want.
i have just downloaded this and it is all still working, i have been using photoshop 6 for quite a few years now and though this is far more modern there are still all of the old features plus a few more.
Ive found this a very good and easy to use online programme, http://ipiccy.com/
Quote: In the meatime, anyone looking for a powerful editor, for nothing, would be foolish not to make the most of it.
taking advantage of Adobe illegally is what you're advocating, you might as well advise people to get pirate copies of latest Photoshop
Many thanks for all your suggestions. I had previously heard of GIMP (although never tried it) but none of the others. Like Ewanneil I think things like CS2 will scare them into believing that photography is too difficult. Anyway, armed with your advice I'm downloading and testing several of them.
Thank you again
I'm looking for software to enable people to make simple improvements to their photographs. I'm thinking features like Crop, brighten/darken for under/overexposed images, raise/lower contrast, convert to b&w. Whatever we go for must be free or cheap and simple to use
Absolutely free, easy to use and on every PC - Windows Photo Gallery
Macs have iPhoto in the unlikely event your local centre uses Macs.
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MMA News
Friday, 02/24/2012, 09:28 am
Dana White UFC 144 Blog Part 2 (Video)
UFC president Dana White just issued his second pre-UFC 144 video blog. He takes behind the scenes during the lead up to fight night and around Tokyo through his eyes.
Read More: Dana White (News), UFC 143, UFC 144
Latest News


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Mofaz: Israeli Army Prepared for Possible 'bin Laden Attack'
The Israeli army has made preparations to cope with any possible terror attack against Israel by Osama bin Laden, the main suspect in the terror attacks on the US, said Israeli chief of general staff Shaul Mofaz on Sunday.
"The army has taken a number of steps to improve its readiness in all areas in the last year. I think the State of Israel and the Israeli populace can rest assured that the [Israeli army] has and is taking all the necessary steps," Mofaz said, cited by the Jerusalem Post.
Although he acknowledged there had been a drop in "Palestinian terror attacks in recent days," Mofaz said he did not see any wide-ranging moves to thwart shooting and terror attacks, according to the paper.
He said Israel was operating as a behind-the-scenes partner in the coalescing US-led coalition, and that for the moment, that situation was best served that way.
US Secretary of State Collin Powell ruled out last week any Israeli participation in a US-led coalition to combat terrorism.
Since then, however, there have been reports that Israel might allow the US to use its airspace – Albawaba.com
- Mofaz: 'Terror' Attacks Still Likely
- Israel builds up military presence in Occupied Territories with fresh recruitment
- Mofaz: Israel still committed to ''remove'' Arafat and kill Palestinian leaders in Syria
- Israeli army looking for nine armed deserters who may attack Arab citizens
- Mofaz: Israeli Army Has Killed 600 Palestinians since Start of Intifada


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IFN-alpha consists of a family of highly homologous proteins, which exert pleiotropic effects on a wide variety of cell types. The biologic activities of IFN-alpha are mediated by its binding to a multicomponent receptor complex resulting in the activation of the Janus kinase-STAT signaling pathway. In most cell types, activation of Stat1 and Stat2 by IFN-alpha leads to the formation of either STAT homo-/heterodimers or of the IFN-stimulated gene factor 3 complex composed of Stat1, Stat2, and p48, a non-STAT protein. These distinct transcriptional complexes then target two different sets of cis-elements, gamma-activated sites and IFN-stimulated response elements. Here, we report that IFN-alpha can activate complexes containing Stat6, which, until now, has been primarily associated with signaling by two cytokines with biologic overlap, IL-4 and IL-13. Induction of Stat6 complexes by IFN-alpha appears to be cell type specific, given that tyrosine phosphorylation of Stat6 in response to IFN-alpha is predominantly detected in B cells. Activation of Stat6 by IFN-alpha in B cells is accompanied by the formation of novel Stat2:Stat6 complexes, including an IFN-stimulated gene factor 3-like complex containing Stat2, Stat6, and p48. B cell lines resistant to the antiproliferative effects of IFN-alpha display a decrease in the IFN-alpha-mediated activation of Stat6. Activation of Stat6 as well as of Stat2:Stat6 complexes by IFN-alpha in B cells may allow modulation of target genes in a cell type-specific manner.
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Phil Kessel is a man of few words and, when it comes to facing his former team, a man of even fewer goals.
Give Kessel credit. The former Bruin spoke postgame on a night when his silence on the ice spoke volumes about his reputation as a faux franchise forward. Turned into white noise on skates, Kessel could only watch as the Bruins roared to a 4-1 victory over his Toronto Maple Leafs in Game 1 of the Eastern Conference quarterfinals at TD Garden Wednesday night.


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You don't need a study to confirm this. Anyone with basic reasoning skills can see that a combination of low caps, high speeds and overage charges are just another revenue stream for an ISP. There's no financial incentive to upgrade network infrastructure if your existing structure can earn you tons of money in overage charges.--"Net Neutrality" zealots - the people you can thank for your capped Internet service.
Of course. But this is good as it is using real data to counter the claims of the ISP's an doesn't use the same mythical data the ISP's use. Poking holes in fiction with real numbers is always fun.
Since so few people hit the caps currently, I don't think it's good as an immediate source of income. I'd guess it's more to save on current infrastructure costs that would be needed for future growth.I suppose it's possible that slowing progress in wired connections makes wireless more attractive, which can charge more for. Investments in lobbying and buying out wireless competitors seems like a better use of funds than going into FTTH and better backbone.
These limits may not be reached now, but they will be soon by more and more people as tech. advances.


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Influenced by the classics. With their bootcut design and slim fit, these men's Wrangler jeans deliver enduring style with a modern touch.
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Greetings! About six years ago, I had the idea of starting a non-profit foundation that could be actively engaged in healing the planet by planting trees with edible parts (fruit trees!). I always loved planting trees and some of the most memorable days of my childhood were spent planting fruit trees. (Some are now over 27 years old!)
This idea eventually became The Fruit Tree Planting Foundation (FTPF), an international nonprofit charity dedicated to strategically planting fruit trees where the harvest will best serve communities for decades—at places such as homeless shelters, drug rehabs, low-income neighborhoods, schools, Native American reservations, animal sanctuaries, and international hunger relief sites. Harvest from each planting is used as a means to help alleviate hunger, improve health, enrich lives, and inspire volunteers to take action for their environment. Recipients share seedlings and fruits with neighbors so the benefits multiply exponentially!
If you'll be in the New York City area on Sunday, December 10, please join us for our annual "Chocolate for Charity" fundraiser, featuring complimentary raw chocolate treats, music, live paintings by unbelievable artists, and my presentation about our important work. Please see the event flyer below for details and reserve your spot today! We hope to see you there!
If you can't make it, please consider making a fully tax-deductible donation this holiday season to support our innovative projects. For more information about FTPF or to make an online donation, visit www.ftpf.org or call us toll-free at 877.884.7570. Thank you for helping save the planet, one fruit tree at a time.
Pedophiles launch political party
From correspondents in Amsterdam
May 31, 2006
DUTCH pedophiles are launching a political party to push for a cut in the legal age for sexual relations from 16 to 12 and the legalisation of child pornography and sex with animals, sparking widespread outrage.
The party said it wanted to cut the legal age for sexual relations to 12 and eventually scrap the limit altogether.
"A ban just makes children curious," Ad van den Berg, one of the party's founders, told the Algemeen Dagblad (AD) newspaper.
"We want to make pedophilia the subject of discussion," he said, adding the subject had been a taboo since the 1996 Marc Dutroux child abuse scandal in neighbouring Belgium.
"We want to get into parliament so we have a voice. Other politicians only talk about us in a negative sense, as if we were criminals," Van den Berg said.
The Netherlands, which already has liberal policies on soft drugs, prostitution and gay marriage, was shocked by the plan.
An opinion poll published showed that 82 per cent wanted the Government to do something to stop the party, while 67 per cent said promoting pedophilia should be illegal.
"They make out as if they want more rights for children. But their position that children should be allowed sexual contact from age 12 is of course just in their own interest," anti-pedophile campaigner Ireen van Engelen told the AD daily.
Right-wing lawmaker Geert Wilders said he had asked the Government to investigate whether a party with such "sick ideas" could really be established, ANP news agency reported.
Kees van deer Staaij, a member of the Christian SGP party, also demanded action: "Pedophilia and child pornography should be taboo in every constitutional state. Breaking that will just create more victims and more serious ones."
The party wants private possession of child pornography to be allowed although it supports the ban on the trade of such materials. It also supports allowing pornography to be broadcast on daytime television, with only violent pornography limited to the late evening.
Toddlers should be given sex education and youths aged 16 and up should be allowed to appear in pornographic films and prostitute themselves. Sex with animals should be allowed although abuse of animals should remain illegal, the NVD said.
The party also said everybody should be allowed to go naked in public and promotes legalising all soft and hard drugs and free train travel for all.
This report was published at dailytelegraph.news.com.au


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Lynn,from Charm City
Editor of The Absolute Best Photography Posts Blog
DISCLAIMER: I try to always properly credit every photo I post and to not post anything which the owner would not want shared; however, if there is anything here which belongs to you and you have either not been properly credited or would like it removed, please email me at LLBwwbAnimalsAndNature.at aol.com and I will gladly take care of it immediately.
baby elephant inside womb by máté bence
Awwwww…thats so amazing!!
Is this really a baby elephant? Don't you mean elephant "feotus"?
NIGHTNIGHT by DEDDY


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Favorit book! Really amazing, sad but also sweet sometimes and perfect model for the book cover :D
I have this book it's amazing
I didn't like the book but the cover? Just look at it. That's right. It's Jake Bass, bitches!
The fanciest, hottest guys on the web here at Fancymen


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An Australian who fucking loves his games. A massive fanboy of ID Software, Valve, and indie companies, who blogs like a crazy motherfucker. Also, I fucking love my soft drinks.
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Pruitt City - Local Area Photos and Information
Local Area Photos | Local Business Directory | Local Real Estate | Local Employment Center
Pruitt City is a populated place located in Carter County at latitude 34.42 and longitude -97.51.
The elevation is 1,070 feet. Pruitt City appears on the Ratliff City U.S. Geological Survey Map. Carter County is in the Central Time Zone (UTC -6 hours).
Carter County: Cities & Towns | ZIP Codes | Schools | Features (airports, churches, hospitals, etc.)
BOUNDARY MAPS: | Healdton North Division | Carter County
Pruitt City - Searchable Map, Aerial Photos & Driving Directions
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Data Source - USGS GNIS FID: 1096948
BOUNDARY MAPS: | Healdton North Division | Carter County
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Alma, OK
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Clemscott, OK (6 miles SSE)
Tussy, OK (6.3 miles NNW)
Pooleville, OK (6.3 miles E)
Graham, OK (7 miles SE)
Nearby Neighborhoods, Subdivisions & Other Small Populated Places
Old Scott, OK
(5.8 miles SE)
Carver, OK (7.2 miles NNE)
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Dundee, OK (13.2 miles S)


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Biochemical Journal
The Biochemical Journal is one of the world's leading biochemistry journals. It is dedicated to the development of biochemical knowledge and features papers from all fields of biochemistry, cellular and molecular biology.
Impact Factor 4.779*
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Clinical Science
Clinical Science is a multi-disciplinary journal at the interface of clinical research and discovery science, publishing pre-clinical and clinical-based research addressing the biology of human health and disease.
Impact Factor: 5.629*
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Biochemical Society Transactions
The journal captures the exciting science presented at the Biochemical Society Annual Symposium, Focused Meetings and Independent Meetings supported by the Society as a series of mini-reviews.
Impact Factor 3.238*
Essays in Biochemistry
Essays in Biochemistry provide undergraduates and first year postgraduates with a single source of information on the latest research in rapidly moving areas of biochemistry and molecular biology.
Impact Factor: 4.390*
Bioscience Reports
Bioscience Reports publishes articles in the cellular and molecular life sciences. Good-quality, technically sound research is selected by expert, rigorous peer review and published quickly.
Biochemical Society Symposia
The Annual Symposium is the most prestigious event in the Society's meetings calendar. Symposia cover a selected topic in the forefront of research in any aspect of the cellular and molecular life sciences.


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Oh Socks, you ham. Here are some fun facts courtesy of Dear Socks, Dear Buddy; Kids' Letters to The First Pets by Hillary Rodham Clinton.
Socks Stats
Type of Cat: Domestic Short Hair
Date of Birth: Unknown
Member of the Clinton Family since: March 1991
Height (Head to Paw): 14.5 inches
Weight: 9 pounds in 1998
Favorite Activity: Taking a Catnap
Favorite Bug to Catch: Spiders
Favorite Hideout in the White House: In a chair outside the Oval Office
Want more photos of Socks? - Meow!
-from the Clinton Library
(via discoverynews)
Source: thedorseyshawexperience
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One Deal to Financial Freedom? Gary Tharp invites you to get access to ask the real estate experts who are mentors to...
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Celebrity Central / Top 25 Celebs
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Following life as Doogie Howser, M.D., Harris all but disappeared from the limelight, save for a few stage roles. The comeback: On the heels of a hilarious cameo in Harold & Kumar Go to White Castle, Harris transformed into playboy Barney Stinson on How I Met Your Mother, a role for which he earned four Emmy nods. The actor, who proudly spoke out about his sexuality, also became Hollywood's most-wanted host – headlining the Tony and Emmy Awards – made a name for himself on Broadway and got married and welcomed two kids in the process.
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Contact Us
Crossroads Assembly
20 South Bear Creek Road
Asheville, NC 28806
t. 828-254-5519
Adult Sunday School
8:30 am — 9:25 am
Early Adult Sunday School class only. No childcare.available at this hour. Read More
Worship & Sunday School
9:30 am
Come join us for Worship. Nursery and Sunday School classes for all ages provided at this hour ... Read More
Worship & Children Church
11:00 am
Come join us for Worship. Nursey and Childern Church for all ages provided at this hour of ... Read More
First Fruits Prayer
6:00 pm — 8:00 pm
Everyone welcome as we come together with one another for prayer for the month. C4 ... Read More


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me on climb on you crazy diamond, E3 5c
Katie Steen, Jul 2004
© bullwinkle
Route: climb on you cray diamond
Climbers: bullwinkle
Camera used: Olympus MJU II zoom 70


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Monique & Jayden Most mothers know they would stop a bullet for their child, but Monique Nelson of Sacramento actually did. Now her toddler Jayden will be spending Christmas without his mother, who died shielding her son from gunfire that surrounded them as she buckled the little boy into his car seat in a parking lot.
Not the kind of story you want to hear around the holidays, but the holidays is precisely the reason Monique Nelson and her 2-year-old son wound up in the middle of a gun battle.
The young mom took her toddler to get a Christmas portrait taken at a local strip mall, and the photos of mother and child turned out beautifully. Minutes later Nelson was dead, caught in the middle of what appears to be gang violence.
Monique's family describes her as a doting mother, who clearly placed her son ahead of herself. So much so that the police found her dead body lying across her son's lap after four gunmen left the scene.
Nelson wasn't the only victim of a battle that centered around a barber shop in the strip mall. Marvion Barksdale, a 20-year-old with a criminal history, was also killed, and five others were wounded inside Fly Cuts & Styles.
For anyone who thinks gang violence isn't their problem, because you don't know anyone in a gang, think of Monique and her little boy Jayden who will grow up without a mother because the pair happened to be getting a Christmas portrait taken at the wrong strip mall at the wrong time.
Whoever took this little boy's mother away should receive a special kind of punishment, if they ever catch him. But right now, uncooperative witnesses aren't talking.
Wouldn't you do the same thing for your child?
Image via Sacramento Bee
So sad....I live about 20 mins from there too. :(
Gang members are pathetic losers. I mean...come on. If you're going to kill people, at least walk up to them and do it. Only a bunch of wussies fire through innocent people to TRY and kill their enemies. The act all tough because they KNOW they aren't actually tough.
I would without a doubt die for my children. I would sacrifice my life to preserve theirs. This is the saddest thing I have read and I had tears in my eyes. I cannot believe how panty-waiste these gang members are. That poor lady and her poor poor son who will never be with his mother again. This is just so sad...
this so so heartbreaking. i will pray for this little boy =(
So sad.
A similar situation just happened here is Billings, MT. A mother of a 2 and 4 yr old is in critical condition after being shot in the head, when her BF started a gun fight with another man while all of them were in the car. He should be charged with murder if she dies and definitely child neglect no matter what.
That is so terrible. :(
Of course i would do anything to keep my son safe, even if it meant my own life. I pray that never happens.
I would have done the same thing in a heart beat!! That is just sad. My thoughts are with the family. One good thing is that little boy will KNOW how much his mother loved him.
While I pray that it would never happen, and I would do anything to prevent it as I wouldn't want my kids to grow up without a mother...I would aboslutely take a bullet or anything else if it would spare their lives. This story is tragic and I can't imagine the pain the families must be going through and the pain that boy little boy will feel as he gets older. At least he will know she loved him dearly.


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Education Office
851 Lincoln Boulevard
McChord Field, WA 98438
Phone 253-982-5695
Phone (DSN) 312-382-5695
Fax 253-982-2079
Fax (DSN) 312-382-2079
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Installation Education Center
The base education office is the original point of contact for any adult education questions. McChord is very fortunate in its ability to offer a wide variety of course work, most of which is available at times and days to suit both military and civilian personnel. Through the programs offered at the local and base education services, for the most part, their two year programs can be transferred to four year colleges. All are Liberal Arts Institutions.
College Classes
McChord has one of the largest and most active educational programs in the Air Force. College courses are offered on base in cooperation with Pierce College, Brandman University, Saint Martin's University, Southern Illinois University, and Embry-Riddle Aeronautical University.
Brandman University, Saint Martin's University and Embry-Riddle Aeronautical University offer masters degree programs on the installation.
Most of the colleges on the installation have offices located within the Education Center.
Education is an important part of our existence, and there are many community colleges and universities within easy access from the installation. The Education Center on the installation offers a wide range of college courses. Call 253-982-5695 or DSN 312-382-5695 for information on what is available and how to transfer college credits.
On base colleges/universities include:
Community College of the Air Force -- 253-982-9900
Embry-Riddle Aeronautical University -- 253-589-1728
Pierce Community College -- 253-964-6606
St Martin's University -- 360-584-3533
Southern Illinois University (SIU) -- 253-582-6561
Brandman University -- 253-584-5448
For a complete list of colleges and technical schools in Washington, visit the "Education" section of the Washington State website.
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Opening to the Fantasy Novel I Will Never Finish
(Apparently I like writing about naked girls dressed like animals running through the woods.)
The flickering fire in the center of the tent made the world nothing but hot amber ligh, the sound of crackling embers, and the dense smell of smoke. Kitryn breathed deeply and closed her eyes. She let the smoke, the metallic stench of a fresh kill from the cooking fires outside, and the lingering scent of the river fill her lungs.
Saera slapped her across the face for not looking straight ahead, then smeared a thin line of white under each of Kitryn's eyes with a war paint made of clay. On Kitryn's lips she pressed her thumb, wet with fox blood.
"For speed," Seara whispered.
Another warrior, Kitryn didn't know her name, came in and threw a handful of dried herbs on the fire. They sizzled and cracked as everything grew thick with sickly sweet incense as the smoke rose up to the hole in the top of the tent.
Kitryn wore the boots she'd been helping to make for almost a month. Kid leather, fitted for her legs, but with room enough to grow. They came to her thighs and it felt strange to have other women lace them for her. It was her seventeenth year. It was the night of her rite of womanhood.
In her seventeenth year an amazon warrior was expected to choose her life path. Art or the fields or raising children or herding or hunting or, like Kitryn, they could choose to be a warrior. No path held any shame, for amazons did them all to the best of their ability and each job was necessary for the community. Each had its own rite, but the warrior's way was the deadliest.
Saera slipped the gloves onto Kitryn's arms. They were the same reddish stained goat leather as the boots and came up just above her elbows, but they did not cover her fingers. Saera's mate Elliza braided Kitryn's hair and then tied in the final piece of the ceremonial garb; a circlet that could be fastened to her head by braids and knots which held two large stag antlers.
The older warrior, the one Kitryn didn't know, bent and picked up Kitryn's spear. Like all warriors, Kitryn spent her apprenticeship making spears. She kept the finest one she'd made for herself. The older warrior examined it.
"You make them heavy. I've used the ones you've made. I like the extra strength. One can put down a boar with one of your spears," the woman said handing the spear to Kitryn, "let's hope you can put down a wolf with one."
Saera patted Kitryn on the shoulder and she stood up.
"She's ready, captain," Saera said the woman. Only then did Kitryn realize that the older warrior was Tamyara, the captain of the guard. It was unusual for her to come to a rite of passage, but not unheard of. It made Kitryn stand taller. It meant that Kitryn was under consideration to be selected as one of the high guards or even a stalker.
With the flap of the tent pushed back the cool air of the end of winter cut into Kitryn. She walked out into the open air in nothing but thigh leather boots, elbow length leather gloves, antlers on her head and a smear of fox blood over her lips, just as all those who wanted to be a warrior did before her. She was to go into the dark heart of the woods and come back with the heart of predator. A wolf, a great bears, or if she was lucky an unlucky male hunter who stumbled into amazon territory.
Victory meant a place among the warriors of the amazon queendom. Failure was supposed to mean dishonor and to chose another path, but in reality it meant death in the cold woods.
Looking back, Kitryn saw Elliza close her arms around Saera, whose eyes had grown wet. They had raised her together and now they let her go to be a woman, a warrior, or if the goddess willed it, a corpse.
Lightning flashed across the sky in blue-white forks and after a few moments thunder cracked loud and rumbling in the distance. In the seconds of illumination the girl's hips and breasts looked almost obscenely naked in contrast to her covered arms and legs. With the antlers she seemed to be some forest nymph or spirit come to bring a message from the faeries.
Kitryn was thin, but muscular. Her lithe form held the scars and bruises of a life lived in the woods. Hunting, travelling hard and fast and partaking in the little scuffles and playful fights that the amazons loved. Her eyes, highlighted by the white war paint under them, shone brown and fierce.
Another flash of lightning illuminated the girl's antlers and spear and the captain raised her hand to signal the beginning of the hunt.


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Is Twin Butte Energy On The Operating Table?
Nathan is a member of The Motley Fool Blog Network -- entries represent the personal opinion of the blogger and are not formally edited.
"The best thing that happens to us is when a great company gets into temporary trouble...We want to buy them when they're on the operating table." - Warren Buffett.
Twin Butte Energy (TSX: TBE) is a yield play from the energy industry that is focused on large original oil in-place conventional heavy oil exploitation. The stock hit some speed bumps a few days ago and has plunged 25% since then on unusually high volume. Will the knife keep falling? To find out, let's take a close look at the Strengths, Weaknesses, Opportunities, and Threats now that the blood is in the streets, because this may be a big buying opportunity.
Tax Pools: The company has $580 million in tax pools. To an acquirer, these tax pools can shield $145 million of income at a 25% tax rate. So a potential acquirer would have to pay $0.58 per share for buying only the tax pools.
Production Growth: Production has been growing consistently during the last 6 years, and rose from approximately 1,000 boepd in 2006 to 19,200 boepd in December 2012.
Low Cost Wells with Short Payout Period: The average vertical well cost ranges from $515,000 to $615,000 with an average initial production of 40 - 80 boepd, average reserves per well of 45 - 80 mboe, and a short payout period of 0.8 years.
Funds from Operations (FFO) Stability: The volatility of the operating cash flow for 2013 is significantly reduced because the company has a strong hedging position in place.
Aggressive Bidder: Twin Butte was the most acquisitive Canadian energy company in 2012 after Crescent Point Energy, which acquired 6 smaller producers in 2012, expanding its core areas which extend from Canada (Beaverhill Lake, Viking, Bakken formations) to the USA (Uinta Basin). Twin Butte has also been on a consolidation spree and has acquired 5 peers (Swimming, Emerge, Avalon, Wildmere, Waseca) in the last 12 months, significantly growing its drilling inventory, which currently is estimated to be over 700 net heavy oil wells.
Annualized Debt/FFO < 2: The company hasn't any debt issues, and year end 2012 net debt was $205 million, or 1.4 times Q4 annualized cash flow.
Hefty Dividend: The shareholders are handsomely rewarded by the corporate dividend policy on a monthly basis, as the current annual yield is 8.5%. It is also worth noting that the dividend isn't at stake because the all-in payout ratio (dividend and capital expenditures) will be maintained at 100%, ensuring the dividend sustainability.
Target Price: The average target price from the 15 analysts who cover the company is $3.46.
Performance Issues: Since late December 2012, Twin Butte has been hampered by a number of operational and reservoir performance issues. Significant downtime was experienced early in January on the heavy oil operations, as the Lloydminster area encountered cold temperatures which created freezing, and run time-related issues on a number of the wells. The wells at Primate Property lost inflow or were experiencing high water cuts. Primate was one of the company's best performing properties in 2012, but over the last 40 days has seen its production drop from a high of 3,400 bbls/d, by 800-900 bbls/d.
Heavy Oil Differentials: Canadian heavy oil companies were severely hit in 2012 by the spread between WTI and WCS (Western Canadian Select) due to pipeline capacity constraints and refineries. This spread hit $42 per barrel in December 2012, which is the lowest in five years. Twin Butte's CapEx in Q4 2012 were reduced by $4 million from the company's budget due to the differential situation. However, there are several major pipeline projects currently under construction in North America with a completion date in 2013-2014. The recent Seaway's expansion is just one of these projects that aims to narrow the differential between WTI and WCS. BP's refinery resumption is scheduled for Q2 2013, further expanding the refining capacity in North America and increasing the operating netback of the heavy oil players.
Significant Discount To Heavy Oil Producers: With a production of 17,100 boepd currently due to the downtime experienced in January, 2P reserves of 60 MMboe and Enterprise Value (EV) of $765 million, Twin Butte trades for $44,700/boepd (90% oil & liquids) and $12.75/boe of reserves. Twin's production is 83% heavy oil. Baytex Energy (NYSE: BTE) has 54,000 boepd production currently, along with 234 MMboe 2P reserves and EV of $6.2 billion. This gives $114,800/boepd (88% oil and liquids) and $26.5/boe of reserves. Baytex's production is 73% heavy oil. Berry Petroleum (NYSE: BRY) has production of 39,500 boepd along with estimated 2P reserves of 360 MMboe and EV at $3.6 billion currently. Thus, Berry trades for $91,100/boepd (78% oil and liquids) and $10/boe of reserves. Berry's heavy oil accounts for 49% of its production.
Performance Issues: The company views the Primate situation as an isolated performance issue, and it is currently deploying remedial efforts to address this issue. However, the result remains unknown at this point, and this uncertainty concerns investors. If the problem lasts for some months, the company will have to change its projections for 2013 and adjust its dividend policy downwards.
Commodity Volatility: Twin Butte is oil-weighted and its operating cash flow is related to WCS. The commodity volatility can't be fully removed because the company's existing hedge position covers approximately 45% of the total oil production. If the oil price drops significantly in 2013 and WTI's premium over WCS widens further, the operating cash flow will decline substantially and the corporate capital plan will have to be modified accordingly.
The bottom line is that any company encounters temporary operating issues, and this is what is likely going on with Twin Butte. The big picture is that the fundamentals havn't changed, and this is enough to allure fundamentals-driven investors to establish a substantial position at the current levels.
traderinvestor70 has no position in any stocks mentioned. The Motley Fool has no position in any of the stocks mentioned. Try any of our Foolish newsletter services free for 30 days. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy. Is this post wrong? Click here. Think you can do better? Join us and write your own!


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Fresh snow on Vancouver Island – from Port Angeles (Feb. 25, 2014)
Backstage with Cirque Ziva – Port Angeles, WA (January 31, 2014)
365 Project: Jar cozies
I needed a way to protect hands when serving hot, drinkable soup in these jelly jars so I took fabric scraps to make these jar cozies. For my women's yoga retreat I needed 16 bowls, which I didn't have, so coming up with this alternative cups makes serving up the soup so much more fun! And, I was so happy to re-purpose and recycle items in my house!
365 Project: Mt. Rainier Sunrise – landscape or portrait? (Seattle, WA)
I posted this sunrise pic with my iPhone and am just getting around to checking out the shots using my Nikon D7000. Which crop do you prefer? Landscape or portrait? Thanks for your input, shutterbugs!!


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Health - Class/Workshop
Mondays, January 7, 2013 - March 30, 2013
Flowforms Yoga Center
195 Lake Ave
Worcester, MA 01604
Google Maps - MapQuest
For students ready to burn brightly in the fire of yoga building skill and endurance in the practice. Take your practice to a deeper level, both in body and mind.
Suggested Audiences: Elders, Adult, Adult, College, College, High School, High School, Elders
Website: http://www.flowformsyoga.com/weekly-group-classes.html
E-mail: firstname.lastname@example.com
Phone: 508-752-4700
Last Modified: December 31, 2012 at 1:44 PM
Add/Suggest Event | Edit Your Events |
Powered by the Social Web - Bringing people together through Events, Places, & Common Interests


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The line of Maryline
© Rog Wilko, Oct 2010
Route: Maryline
Camera used: Canon PowerShot A1100 IS


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News & Events
Secure Booking
|Ryder Cup 2014
Ryder Cup 2014
23rd - 28th September
For this first time since 1973, and for only the second in the history of The Ryder Cup, we will proudly welcome the world as Scotland plays host to the greatest tournament in match play golf, at the magnificent Gleneagles Hotel in Perthshire.
Be inspired and start planning your trip to Scotland, the Home of Golf!
We are located only 29 miles from Gleneagles and will be offering a four night package deal during the Ryder Cup competition.
The rates will include dinner, accommodation, full Scottish breakfast and complimentary use of our leisure centre facilities.
Please contact us to find out more information and check availability.


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Peak oil survival : preparation for life after gridcrash
McBay, Aric.
Adult Nonfiction GF86 .M34 2006
McBay, Aric.
Adult Nonfiction GF86 .M34 2006
Summary: This book introduces readers to what unicorns are, how unicorn stories differ across the globe, and where unicorn stories come from.
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Coupon Book
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We are a leading provider of commercial real estate services to the healthcare community. We provide expertise in healthcare real estate transactions to dentists, physicians, group practices, hospitals and healthcare systems throughout the San Francisco Bay Area.
Contact us today to learn how we can add value to your next project.


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11801-11853 Collett Ave has a Walk Score of 65 out of 100. This location is Somewhat Walkable so some errands can be accomplished on foot.
This location is in the La Sierra neighborhood in Riverside. Nearby parks include Glory of Gods Grace Sculpture, Clough Park and Rancho Loma Park.
Nearby schools include Phillip M. Stokoe Elementary School, S. Christa McAuliffe Elementary School and La Petite Academy.
The closest grocery stores are APLASTICBAG.COM, Prince Market and La Sierra Natural Foods.
Nearby coffee shops include Starbucks and Granite Place Cafe. Nearby restaurants include Big Tuna, Panda Garden Express and ROHEY'S WOK & GRILL FRIED RICE & TERIYAKI.
11801-11853 Collett Ave is near La Sierra University, California Baptist University and University of California - Riverside.
There are good bike lanes and the terrain is flat as a pancake. 11801-11853 Collett Ave is bikeable, there is some bike infrastructure.


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Marijuana Blog
Very Special OG (VSOG)
Category: Nugs | Posted on Tue, March, 19th 2013 by THCFinder
Senate OKs Fine For Small Amounts Of Marijuana
Category: News | Posted on Tue, March, 19th 2013 by THCFinder
ANNAPOLIS, Md. (AP) — The Maryland Senate has voted to eliminate potential jail time for people who possess less than 10 grams of marijuana.
The Senate voted 30-16 on Tuesday for the measure, which would fine people $100 in civil court, if they possess the equivalent of about two joints or less.
Supporters say the measure will save the state money by relieving the strain such crimes put on the criminal justice system. Opponents worry that decriminalization could increase drug use among youth.
Meanwhile, the Maryland House Judiciary Committee is also scheduled to hold a hearing Tuesday on a measure to legalize limited amounts of marijuana for adults 21 and older.
The bill would remove all penalties for private possession of up to an ounce of marijuana and cultivation of up to three plants.
The measure also would direct the Maryland comptroller to license marijuana retail stores, wholesale facilities and testing facilities.
Read more: http://baltimore.cbslocal.com
420 all month
Category: Fun | Posted on Tue, March, 19th 2013 by THCFinder
Oregon lawmakers consider legalizing, taxing marijuana as pot advocates ponder 2014 ballot initiative
Category: Legalization | Posted on Tue, March, 19th 2013 by THCFinder
SALEM -- State lawmakers scrounging for money for schools, mental health and public safety could find the solution to their funding woes to be green.
No, not more cold, hard cash, but pot. Legalize it and tax it. That's the plan under House Bill 3371, which is scheduled for an April 2 public hearing in the House Judiciary Committee.
The bill would allow the production, processing and sale of marijuana and marijuana-infused products. Individuals 21 or older would be allowed to keep up to six mature marijuana plants and 24 ounces of marijuana at a time, the same amounts allowed under the Oregon Medical Marijuana Act.
Under the bill, the Oregon Health Authority would be charged with licensing marijuana producers, processors, wholesalers and retailers.
The Oregon Liquor Control Commission would oversee taxation of marijuana, according to the bill. Marijuana producers would be taxed $35 per ounce. The money would go to a "Cannabis Tax Account," with 40 percent of proceeds going to schools and 20 percent each to Oregon State Police, the general fund, and services for mental health, alcoholism and drugs.
The bill would go into effect July 1, 2014.
Read more: http://www.oregonlive.com
Hawaiian Dream Cannabis
Category: Nugs | Posted on Tue, March, 19th 2013 by THCFinder
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I just want you to see clearly what I actually am… a very young bitchboy looking for mature men who know what I really need…
My ass (cunt!) needs to be fucked hard and to be submissive to any game men want to play. My orgasms must be prostatic. My tight cock needs to stay caged and never get hard. My body needs to wear feminine sexy clothes and underwear. I need to be used by mature men from 35 to 50 yo.
My skype is... "live:491a26" so add me!
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Paper skeletons
Peter Callesen has an incredible ability to take something as simple as a piece of white paper and transform it into a piece of sculpture. I have seen his work before and it always appeals to me and this collection of paper skeletons taking on a life of their own is right up there in my favorites of his work.
While different from the rest this one piece by the artist is pretty powerful.
via Cuded


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Autel Maxidas DS708 diagnos best choice Recipe
Category: 5 Factor Diet Recipes
Most commonly often called OBDII cars, before 1996 things weren clothes and vehicle manufacturers had various methods and car diagnostics pinpoint problems. Just about all cars developed following the year 1996 were feeded which has an OBDII system that makes it possible for universal codes reader to help figure out problems along with the engine. The overall main difference between on diagnostics 1 and 2 system would be the creation of a general code diagnostic system. The introduction of device diagnostic readers helped ease the down sides of diagnosing and handling engine related issues as a result of standardizing the onboard diagnostic system. Allowing for car code readers to come up with the same code no matter the engine model or automatic manufacturer. Once plugged within a vehicle on board site reader, live data corresponding for the aut engine and autos specifications look on the LCD screen for the scanner. This reader they can double to check the CEL (check engine light) and put up other specs associated to the the autos fuel injector not to mention o2 sensor related information. The most important important potential benefits to the OBD reader is how it may well look at your motors emission readings and recognise whether its in deference with state mandated smog emission. If failing is identified that occurs towards engine and or emission, that sometimes relates to the o2 sensor, temperature gauge, it will be logged and will be recorded to the device readers DTC or better known as the diagnostic trouble rule. This problem code usually is an indication that something inside engine or emission product is wrong. This will allow you to identify and further diagnose just what causing the problem. Remember that this doesn shows that a part should be swapped, instead that knowing something like a terrible sensor and/or a block out in the flow indeed, this will root of the uncommon readings. This helps you get the root of the issue, which will decrease the complete time spent with different vehicle issues. Vehicle readers are attached to a computer port of one computer to further comprehend even more information which will help you better understand where the problem is occurring and how to help you best combat that. OBD computer diagnostic tools are essential for any car entrepreneur freaks or shop owner they usually usually cost somewhere involving $140 - $423. This is extremely cheap as compared to replacing parts that don need be replaced. A lot of diagnostic checkups made available from autoshops use these typical tools and charge around $150 in a car review. There are two types of OBD readers for sale today, most of which usually are primarily handheld devices, the foremost is an on board diagnostic I reader and also the other that is the OBDII reader. The second edition from the OBD readers are usually more affordable than OBDI due to universal capabilities of the particular readers versus the specialized readers needed during an on board diagnosis AS I auto. Usually editions which were between 1991 - 1995 constructed by General Motors, Ford and Chrysler, they manufactured a straightforward universal codes for the particular vehicles although these autos have a relatively different example of connector when comparing to other cars created with the on board diagnosis I type of system.
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OBDII reader
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Many customers can qualify for a refinance loan with no appraisal required. This is a great benefit because it saves a consumer more than $350 in out of pocket expense, takes the risk away of getting a bad appraisal, and allows a lender to close your loan very quickly.
The easiest way to qualify for an appraisal free loan is if you are currently in a FANNIE MAE, FREDDIE MAC or FHA loan.
Let's start with FANNIE MAE and FREDDIE MAC. Check to see if your loan is backed by FANNIE MAE of FREDDIE MAC here:
FANNIE MAE: http://www.fanniemae.com/loanlookup/
FREDDIE MAC: https://ww3.freddiemac.com/corporate/
If your current loan is backed by FANNIE MAE or FREDDIE MAC, and you want to do a rate and term refinance, I may be able to refinance your loan with no appraisal or out of pocket costs and close your loan in a week.
This is applicable only for rate and term refinances. In order to find out if you qualify for no appraisal, I must run your credit and approval. We submit your application through Fannie Mae and Freddie Mac's approval underwriting system and it tells us whether an appraisal will be needed.
Please call me at 480-206-5577 to see if you qualify. Most consumers will qualify with a loan taken out before Mayof 2009.
FHA also allows you to streamline your existing FHA loan to a lower rate without an appraisal.
In order to qualify for a no appraisal loan with FHA, you must be in a current FHA loan. As long as you have been on time with the payment and have decent credit, you should be able to qualify.
FHA requires a net tangible benefit in order to complete a streamline refinance. The new loan must be lowering your payment by at least 5%, or we must be taking you from an ARM to a FIXED FHA loan within 2% of your current rate.
Even though your best bet to qualify for a no appraisal refinance is to be in a current FANNIE MAE, FREDDIE MAC or FHA loan, you can sometimes qualify for a no appraisal loan based upon the strength of your application. Recently, I have been getting through a lot of appraisal free loans for customer with good credit, decent equity, and a loan amount under 417,000.
The only way to tell for sure is to run your credit and approval – the approval will sometimes accept the value and not require an appraisal.
Reggie Green / Mortgage Banker and Branch Manager at Crossline Capital
480-206-5577 / email@example.com
Arizona office: 4135 S. Power Road, Suite 125, Mesa, AZ 85212
Corporate office: 25391 Commercentre Drive Suite 250 / Lake Forest, CA 92630
Scottsdale Mortgage Banker, Scottsdale Loan Officer, Scottsdale Direct lender, Top Scottsdale Mortgage Loan Officer, Top Arizona Mortgage Banker, McCormick Ranch buy local, McCormick Ranch Mortgage Banker, Gainey Ranch Mortgage Banker, Scottsdale home loan, Scottsdale Refinance, Scottsdale home purchase loan, Arizona home loan, Arizona loan officer.
No appraisal refinance, can you qualify?
2 Responses
Nice family.
Need to re 5 225,000


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Windows Remote Media Streaming
Written by Alan Sunday, 13 March 2011 08:00
Pretty much every Windows user is a Windows Media Player (WMP) user as well. Some, like me, also use Windows Media Center. Regardless of which you use, this should still be of interest because we all have music, pictures, and video on our PC's. Those of us who are using Media Center also have TV shows and full-length movies on our PC's. So, what if you are on the road and want to watch one of the TV shows you recorded at home? Or listen to your music or view your photos? If you have an internet connection where you are and have set up remote streaming at home then you can do those things. Here's how to do it.
1. On the PC you want to share from open WMP.
2. Click Stream and then click Allow Internet access to home media…
3. Select Link an online ID.
4. If you have a Windows Live ID then choose it. If not, then set one up and then log into it.
5. After signing in, you will be returned to the Internet Home Media Access dialog box. Select Allow Internet access to home media .
6. You will be greeted with a box that confirms you have set up remote streaming.
Now that it's set up you will have to repeat these steps on the notebook you will be using to access the media while traveling. You can do this on as many devices as you want.
Now, when you log in to your notebook and open WMP you will see your home PC listed under Other Libraries. Click that PC and you can browse and play all of the files in it's libraries – video, pictures, and music. Access to your home media, from anywhere in the world as long as you have a connection!


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True Value Co.'s rental team brought together more than 100 supplier representatives, rental operators and store associates to take part in its second regional Rental Demo Day event in Menomonee Falls, Wis.
Terex, a Westport, Conn.-based construction equipment rental firm, has extended its partnership with Home Depot by adding PT-30 and PT-50 compact track loaders, TSR50 skid-steer loaders and TC16 compact excavators to its centers in 280 select Home Depot locations, according to an article in Rental Equipment Manager.
True Value Co. and Husqvarna completed their first southeast regional Rental Demo Day event, held earlier this month at BullHorn Ranch in Liberty, N.C.
More than 100 suppliers, rental operators and their associates participated in the event, kicking off the buying season and demonstrating a renewed interest in the industry despite the challenging economy, according to the companies.
Under the umbrella of True Value, a handful of the co-op's brands represent niche businesses beyond the nuts-and-bolts of DIY hardware retailing. In the rental business, they are Grand Rental Station, Taylor Rental and Just Ask Rental. Commercial businesses are more familiar with Induserve Supply. Party Central and Home & Garden Showplace round out the specialty brands.
An article in yesterday's Home Channel News Monday described an idea from the U.S. Department of Housing and Urban Development to turn government-owned foreclosures into rentals. The idea received a chilly reception from readers.
"In a word, Geithner's idea is 'stupid'.
The Toro Co. acquired Lawn Solutions Commercial Products, a manufacturer of innovative turf renovation equipment for the landscape, rental, municipal and golf markets.
The acquisition, which includes a dedicated lineup of aerators, seeders, power rakes and brush cutters, adds key product categories to Toro's portfolio to support growth across its core global businesses.
Terms of the transaction were not disclosed.
Fort Wayne, Ind.-based Do it Best Corp. announced the appointment of new merchandise managers to replace three retiring managers, effective April 1, 2011.
The co-op appointed Gary Loosle for lawn and garden – green goods, Josh Meyer for paint and sundries, and Chris Steinlicht for rental and store supplies.
Chicago-based hardware co-op True Value Co. promoted Eric Lane to the position of VP specialty businesses.
In his new post, Lane will oversee the co-op's Home & Garden Showplace, International, MRO - Maintenance, Repair and Operations, and the Rental Division including Grand Rental Station, Just Ask Rental and Taylor Rental.
Previously, Lane was business development director of retail growth. He replaces Fred Kirst, who retired Feb. 11.
A moving-truck rental deal with Penske Truck Rental has been expanded from its original pilot program in Richmond, Va., to include five Miami, Fla.-area Home Depot stores, according to a report from Dow Jones.
The Atlanta-based retailer has made no announcement regarding the potential roll-out of the pilot program to more stores.
Doron Broadfoot, president of The Rent-It Store in Saskatoon, Saskatchewan, took over as chair for the board of trustees of the American Rental Association Foundation.
The Moline, Ill.-based ARA Foundation also named a new vice chair. Catherine DeBusk, VP of Party People Rentals in Phoenix will fill that post. Two new trustees joined the Foundation board: Andy Cooke, VP Cooke Rentals in North Carolina, and Dave Garton, sales and marketing manager for John Deere, Moline, Ill.
Sunbelt Rentals, the Fort Mills, S.C., equipment and tool rental company, has closed 50 of...
This month, Parkrose Hardware is focusing on its newest tool from Ace: The Battery Place....
Caterpillar is testing a rental outlet in a Home Depot store in Texas, according to...
When the market rebounds, NAHB expects condo starts to hover from 20 percent to 30...
Highlights included a revamped plumbing category, expanded ProSource department and 400 new internationally sourced products....
True Value's Southwest Lumber recently sponsored a project to build the largest children's playground in...


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Find records of Lucinda Watkins
Find birth, death, marriage, military, and other records of Lucinda Kirby Watkins at Ancestry.com.Search for records
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Lucinda Kirby Watkins (born 1809) was born on April 7, 1809. She was born into the Watkins family.
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Possible Relatives
- Opra Watkins Michals,Watkins
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- (Homer) Bryant Watkins
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- Mintha L Watkins
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- Allyn Watkins
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- Leonidas H Watkins
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- Emma F Watkins
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- Elizabeth A Watkins
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We have lots of great resources to help brought to you by Mobile Public Library, Alabama Public Library Service and The Alabama Virtual Library.
Key to symbols:
We have lots of great resources to help brought to you by Mobile Public Library, Alabama Public Library Service and The Alabama Virtual Library.
Key to symbols:
In The
Tutor.com - Get live, secure, homework help for K on up to the Adult Learner!
You can even get help on the go with the Mobile App. Sign up for FREE webinars to learn all about it! Password to enter site is APL36117
Mango Languages - learn a language the fun and easy way! And the Mobile App lets you take it with you. Use your library card number to log in from home.
Novelist Plus K - 8 - an online database with fiction and nonfiction titles chosen specifically to support the school curriculum as well as the pleasure reading needs of students including BookTalks, Recommended Reads book lists, annotations, first chapter excerpts, as well as tools like Lexile scores for grade levels and popularity ratings. Use your library card number to log in from home.
Kid's InfoBits - K- 5 research tool with magazine, newspaper and reference content for information on current events, the arts, science, health, people, government, history, sports and more. Go Mobile with Access My Library
Britannica Online School Edition - great for the younger student, includes learning games! Also has separate sites for middle and high school kids. Try the easy to use, ad-free Mobile App.
Searchasaurus - a research source just for K-5 kids, includes Encyclopedia of Animals. Check out the EbscoHost Mobile App
Kids Search - a research source just for middle school kids, includes Encyclopedia of Animals. Check out the EbscoHost Mobile App.
SIRS Discoverer - interactive reference tool for younger students, based on school curriculum, of full text articles, many with images, from 1,100 magazines for young readers. Resources Non-fiction E-books, include Spotlight of the Month topics, The World Almanac for Kids, Merriam-Webster's Dictionary.
Opposing Viewpoints In Context - an online resource covering today's hottest social issues, from Offshore Drilling to Climate Change, Health Care to Immigration. Helps students research, analyze and organize a broad variety of data for completing writing assignments, preparing for debates, creating presentations and more. Go Mobile with Access My Library.
Reading Lists
AR Booklists for Alabama
Barnes & Noble Book Browser
Amazon.com Children's Page
Kid's Reads
The Librarians' Internet Index Children's Reading Lists
Kids 5 and Under - Sites for Learning and Fun
Alphabuddies - alphabet activities
Arthur - and all his friends
Baby Sign Language- videos, flash cards, dictionary and wall charts
Children's Storybooks Online
Edupics - Thousands of coloring pages to print out and color away!
Ele - Fred Rogers Early Learning Environment - connect and learn!
Enchanted Learning Online Activities
K5 Learning Worksheets - free printable sheets for math, grammar and penmanship practice
Mousers - for the Young Kids.Com kids
KidZone Preschool - printable worksheets to develop early skills
PBS Kids
StoryPlace - online stories and activities. In English and Spanish.
TurtleDiary - Pre K - 2 - fun learning games
Kids 6 - 12
Activity TV
Ann Martin - Babysitter's Club Author
Bookworm - see what other kids your age are reading
Climate Kids - NASA's fun earth site
Computer Science Student Network
DLTK's Crafts for Kids - crafting fun on a variety of themes
The English Zone - for those learning English as a second language
Games From Auburn Public Library
Games From Los Angeles Public Library
The Girl Scouts
Holiday and Seasonal Crafts for Kids - games, puzzles, and recipes
Hurricane - Storm Science
Jet Propulsion Lab Education Site - fun space stuff
K5 Learning Worksheets - free printable sheets for math, grammar and penmanship practice
KidsPlanet - animal facts, helping the environment and games!
KidsPsych - games for kids to help with thinking & reasoning skills
KidsThinkDesign - fun design stuff - graphics, fashion, architecture, film, animation
Magic School Bus Activity Lab
National Geographic
NGAKids Art Zone - online interactive art
Printables - free to customize and print cards, calendars, and more
Ready Wrigley - activities to prepare kids for emergencies including hurricanes
Recycling and Paper Arts and Crafts for Kids
San Francisco's Exploratorium
Sea World - animal facts, coloring pages, games!
NASA SciJinks
Sports Illustrated for Kids
StopBullying.gov - Kids
Surfing the Net with Kids
TurtleDiary - Pre K - 2 - fun learning games
Watch, Know, and Learn - 50,000 educational videos for kids
The Weekly Reader
Wonka World


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I'm working on a musical app and I would like to generate tones. Off course I did download the http://www.cocoawithlove.com/2010/10/ios-tone-generator-introduction-to.html that seems to be a good start.
But I also read the Apple documentation and a lot of stuff about Audio Units and I figure out that there is a type of Audio Units called : "kAudioUnitType_Generator".
The description of this one is "A generator unit provides audio output but has no audio input. This audio unit type is appropriate for a tone generator. Unlike an instrument unit, a generator unit does not have a control input.". https://developer.apple.com/
That seems to be exactly what I need. So my questions are:
I'm searching for a few days about tone generating in iOS, why nobody seems to be aware of Apple's tone generator and always refers to the "tone generator" from cocoawithlove? And why this one doesn't use the "kAudioUnitType_Generator type" of audio units ?
Do you have any clue, web site or gitub projet to help me using the kAudioUnitType_Generator from Apple?
Thanks a lot,


text: Dr. Shiv Chopra's name has become synonymous with food safety. To protect the integrity of our food, he has waged many battles against a succession of Canadian Prime Ministers and federal ministries of health. He refused to approve various harmful drugs to be used in meat and milk production. He defied governmental gag orders, spoke publicly to the media, and testified at many Senate and parliamentary committees. Time and again the courts supported Dr. Chopra and ruled against government attempts to silence him. Also, time and again the government allowed dangerous drugs, agricultural practices, and carcinogenic pesticides to enter the food supply. Here is the full account of how government corruption endangers the food supply and how Dr. Chopra and his colleagues continue to speak the truth. Most importantly, this book contains a blueprint for the establishment of food safety and security throughout the world.


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At a time when the Republican Party is claiming to "soften" its image with women voters and market itself as a "better choice" to the gender, right-wing firebrand Mike Huckabee opened his mouth and sent the party into a panic mode.
Huckabee, speaking to the choir at the GOP winter meeting in Washington, said women cannot control "their libido or their reproductive system," which is why the Democrats push "help from the government" to help them control their sexual desires.
The comments brought quick response from Democrats who see the comments as great campaign fodder in their efforts to portray the party of the elephant as a doddering collection of old men out of touch with mainstream America.
"Mike Huckabee has no idea what he's talking about," Democratic National Committee chair Debbie Wasserman Schultz told the Associated Press. "If this is the GOP rebrand a year later, then all they've gotten is a year older."
White House press secretary Jay Carney said Huckabee's comments "sounds offensive to me and to women."
At the conference, Huckabee said:
If the Democrats want to insult the women of America by making them believe that they are hopeless without Uncle Sugar coming in and providing them with their prescription each month for birth control because they cannot control their libido or their reproductive system without the help of the government, then so be it.
The comments also brought a rapid response from Kentucky Senate candidate Alison Lundergan Grimes, who hopes to unseat Republican Minority Leader Mitch McConnell.
Said Grimes:
Mitch McConnell's cringe-worthy record of standing up for Kentucky's women and families effortlessly aligns with Mike Huckabee's extreme, anti-woman rhetoric. As McConnell enthusiastically touts Huckabee's endorsement, he ought to explain to the women of Kentucky why he embraces such offensive commentary.
Sources within the GOP told Capitol Hill Blue that Huckabee's comments "had a lot of Republicans in the audience cringing. It was the last thing we needed."
One Response to "Mike Huckabee on women: Open mouth, insert foot"
Mike Huckabee's down-home, folksy media image is just that: an image, a façade not unlike the sheep's clothing the proverbial wolf wears to conceal its pending lethal attack.
Unfortunately, what Mr. Huckabee wants to eviscerate is the United States Constitution and the civil society it supports. In its place, he wants to mold a Theo fascist state based on a literal application of the Old Testament, with the divinely appointed Huckabee presiding.
Indeed, during his failed run for the Republican Presidential nomination back in 2008, he responded to those who were against appending a "marriage amendment" or a "life amendment" to the Constitution by saying that: "I believe it's a lot easier to change the Constitution than it would be to change the word of the living God, and what we need to do is to amend the Constitution so it's in God's standards rather than try to change God's standards."
And, with his latest remarks about women, one has to now wonder if Mr Huckabee isn't one of those dogma-addicted persons who publicly insist that a pious government should inflict Old Testament punishments, including death, on blasphemers, pornographers, homosexuals, adulterers and even disobedient children. These people constantly talk about their duty to institute biblical rule in the United States.
Loosely called "Dominionists", this crowd doesn't acknowledge as valid ANY interpretation of the Bible other than their own. They truly believe in absolute literalism.
For example, on more than one occasion, Mr. Huckabee has publicly suggested putting all gay people who test HIV-positive in concentration camps. Apparently he remains unaware that heterosexual men and women sometimes ALSO test HIV-positive, as do children. But then again, fascists and Theo-fascists such as Hitler and the Taliban condemned only certain groups to the camps and death, too.
And as for gay Americans who fall in love and wish to commit their lives to each other, Mr. Huckabee directly equates them and their relationships to bestiality.
Unfortunately, a handful of Dominionists already occupy positions of power within the U.S. government. For example, Supreme Court Associate Justice Antonin Scalia has stated he believes "that government . . . derives its moral authority from God. Government is the 'minister of God' with powers to 'revenge,' to 'execute wrath,' including even wrath by the sword."
So much for the Declaration of Independence that clearly states the American government derives its "just powers" — moral and otherwise — "from the consent of the governed."
Unfortunately, Justice Scalia's (and Mr. Huckabee's) words sound nightmarishly similar to the late Jerry Falwell's assertion that, "The Bible is the inerrant . . . word of the living God. It is absolutely infallible, without error in all matters pertaining to faith and practice, as well as in areas such as geography, science, history, etc."
The proposition that a single book, cobbled together over the course of 1,500 years by over 40 different authors from all walks of life (shepherds, farmers, tent-makers, physicians, fishermen, priests, philosophers and kings) is "infallible" is prima-facie preposterous to any enlightened, rational human being.
But history and reason have nothing to do with Dominionism. They are, in fact, its arch-enemies
And people like Mr. Huckabee (along with Justice Scalia) and their ilk, who now wish to push their Dominionist dogma down the rest of our throats in the United States of America (by attaining high government office to do so) are a clear and present danger to what's left of the freedoms we once enjoyed.
Comments are closed.


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Drag the home icon in this panel and drop it onto the "house icon" in the tool bar for the browser
Select "Yes" from the popup window and you're done!
The Dallas Morning NewsPLANO, Texas — A bank robber used a Mercedes-Benz as his getaway car Tuesday morning, police said. The robbery occurred at a Comerica Bank branch in the 2500 block of Dallas Parkway in Plano, said Officer Rick McDonald, Plano police spokesman.
Officer McDonald said that about 11:25 a.m., the man demanded money from a bank teller, was given an undisclosed amount of cash and fled.
The man ran to a nearby parking lot and got into a charcoal-colored, older-model Mercedes. From there, he drove south on the Dallas North Tollway, Officer McDonald said.
Full story:
Texas police say bank robber escaped in Mercedes


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The history of this province lives and breathes. In the people, the land and the monuments of long ago. The invitation to explore this place has been out for thousands of years. It still stands like the walls that were built to protect its virtue and the ways of the past. You're welcome to explore the places rooted in our province's identity, preserved and alive. To trace your fingers along ancient carvings that still holds mystery. To uncover secret symbols and messages in the most unlikely places. Our province's history, our entire legacy, is calling you.
Historic Places featured in the video:
Manitoba Legistive Building, Portage & Main, Downtown Winnipeg, CMHR (Canadian Museum for Human Rights), Lower Fort Garry, Oodena Circle, The Forks Waterfront, The Forks Market, Fort Garry Hotel, Union Station, Exchange District (Downtown Winnipeg)


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By: Anonymous on October 10, 2011 - 10:11am - Add new comment
If you were trying to get out and enjoy some of the area's fall events this weekend, you were likely dodging rain drops like I was trying to do ... with my three children and their friends.
Luckily, this coming weekend's forecast is partly cloudy Friday through Sunday, Oct. 14-16, with highs from 78 to 82 degree all three days. I'm crossing my fingers that it stays that way!
By: Anonymous on December 20, 2013 - 8:48am - Add new comment
Christmas week in St. Augustine slows down just a little, with fewer holiday events and more time to relax and enjoy St. Augustine and St. Johns County.
By: Anonymous on September 6, 2011 - 2:59pm - Add new comment
I have an innocent crush on a historical figure that seems to be showing up all over town these days. Have you seen him?
His name is Don Pedro Menendez de Aviles and he's the founder of St. Augustine. Menendez is portrayed by Chad Light, a local gentleman employed by The Fountain of Youth archeological park.
He's always in character no matter where he goes — at the 446th cake ceremony last Thursday in the Plaza de la Constitucion, or shopping at Target on Friday — and always in his elaborate costume.
By: Anonymous on January 24, 2014 - 8:41am - Add new comment
If you haven't seen a show at the Ponte Vedra Concert Hall yet, this week may be the time to hear some tunes — Shawn Colvin plays on Jan. 24, with local band The WillowWacks opening the concert.
By: Anonymous on August 1, 2011 - 4:12pm - Add new comment
Since it has been so humid recently, we chose a few indoor locations for staycationing this past week.
The Oldest Store Museum, 167 San Marco Ave., was a fun time and a learning experience for my girls. The museum, located on the site of Old Town Trolleys, is filled with authentic 19th-century to early 20th-century items that would have been available in a general store.
By: Anonymous on August 20, 2013 - 6:53pm - Add new comment
I'm working on a Mumford and Sons Survival Guide, a special print product that will be available for those want a few more details about the Gentlemen of the Road stopover.
The two-day event will feature 12 bands performing Sept. 13-14 at Francis Field in downtown St. Augustine. The sold-out festival will have 25,000 concertgoers enjoying music and more in the Ancient City.
Here are some of the stories I'm working on for the special section:
By: Anonymous on June 11, 2012 - 1:01pm - Add new comment
There's nothing like watching dolphins up close from a boat in the St. Augustine waters. The girls and I began our summer staycation series this year with a nature boat ride with St. Augustine Eco Tours.
By: Anonymous on August 13, 2013 - 9:18am - Add new comment
By: Anonymous on February 28, 2014 - 5:00pm - Add new comment
I'm putting together as special St. Patrick's Day guide that will run Friday, March 14 in Compass Magazine.
Please email details about St. Patrick's Day parties, live music and other events to firstname.lastname@example.com
Also, mark your calendars for the St. Augustine St. Patrick's Day Parade. Details are below.
By: Anonymous on November 24, 2011 - 10:29pm - Add new comment
We started a new tradition this year by going to the Alligator Farm for Thanksgiving. We had a blast watching the tortoises eat squash and pears, and the female komodo dragon swallow a cornish game hen whole!
What does this have to do with a mobile phone photo contest? My husband used his to iPhone to take photos of the wildlife and our three daughters. It is truly amazing what you can do with an iPhone and a Camera Plus app ... the editing possibilities are endless.