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Loan Modification FAQs
Loan modifications are simply changes in the terms of a loan, usually a mortgage, in situations in which the homeowner can no longer afford to make the monthly payments. Changes can be negotiated with the lender regarding the loan's interest rate, principal, monthly payment amount, and duration.
Homeowners seeking loan modifications may not always qualify, or they might agree to terms that could make their situations worse and hasten foreclosure. For these and other reasons, distressed homeowners should consult with a knowledgeable real estate attorney before entering into a modified loan agreement.
There are a number of frequently asked questions that homeowners may have regarding loan modifications.
Can I Qualify for a Loan Modification?
Not every homeowner can obtain a loan modification. You may not qualify if your home is well into foreclosure proceedings, you have no reliable or steady source of income, and your credit score is poor.
What if My Loan Is "Under water?"
If you owe more on the loan than the value of your home, you may still qualify. Many lenders will not want to foreclose on a home if they will lose even more money, so it is in their best interests to keep you in your home so long as you can make payments under a modified plan.
What Makes It More Likely for Me to Get a Loan Modification?
You are probably more attractive to a lender or bank to obtain a loan modification if you can demonstrate a hardship, such as loss of job, medical issues, recent divorce, or deployment for military service. Another situation is if your loan has an adjustable rate or is a sub-prime loan that has onerous terms you cannot meet. You must still, however, have the means to make payments at an agreed rate.
Do I Need an Attorney?
There is no requirement that you retain an attorney, but a skilled legal professional can provide the following benefits to you:
- Attorneys are more skillful at negotiating and are knowledgeable in the laws affecting loans and lending regulations.
- Lawyers can use the Truth in Lending Act and the Real Estate and Settlement Procedures Act (RESPA) to ensure lenders adhere to these laws.
- If violations occurred during the application process, your attorney can see that you receive a full refund of all the interest you paid on the loan.
- Your attorney can ensure that you are not the victim of questionable lending practices.
Can a Loan Modification Stop a Foreclosure?
Generally, the longer you wait and your situation worsens, the less likely you become to get a loan modification. Depending on the lender, the skills of your attorney, and the facts of your situation, however, you may still get a loan modification that will stop a foreclosure. If a reasonable plan is proposed and you have an attorney to present, it could have more credibility in the eyes of the lender who would rather you stay in your home and make payments.
Further, there are a number of federal loan modification programs that you or your attorney can explore if direct negotiations with the lender are not going well.


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(WHAS11) -- It's something we'll only see once in our lifetimes, the Transit of Venus.
That's when Venus appears as a black dot moving across the sun and it will happen Tuesday evening.
WHAS11's Kelsey Starks has more from the Rauch Planetarium at U of L with more on this astronomical event.

subset: commoncrawl


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?WWES exceeds ISTEP requirements
Written by Administrator
Wednesday, 17 December 2008 00:00
???? At the recent West Washington School Board meeting Principal Tom Rosenbaum reported to the Board that West Washington Elementary had passed and exceeded the ISTEP requirements by scoring 78.9 percent.
Rosenbaum stated that this score has reflected consistent improvements in scores since the 2005-06 school year.
WW High School Principal Stroud reported that the Junior/Senior High had taken the test one week late and that the state had lost some of the tests giving them an "undetermined."
"It is very difficult for us to know exactly how we did and ISTEP is over and the state will be going to a new assessment format for next year." stated Stroud
All board members accepted the recommendation by Superintendent Jackson to a two year extension for Principal Rosenbaum which will extend his contract thru June 2011.
Last Updated on Wednesday, 17 December 2008 14:55
Read more...
?Police standoff ends with tragedy
Written by Administrator
Wednesday, 17 December 2008 00:00
???? ? According to information received from Washington County Sheriff Claude Combs a call was placed to a suicide hotline. The call was taken by Officer Eric Mills around 4:43 p.m. on Friday, December 12, from a distraught subject.
The subject, Robert Brewer stated he was on Colony Drive. Officer Mills with the Salem Police Department then went to the residence to find the subject not there. He then asked the Washington County Sheriff's Department to provide a welfare check to Brewer's home address on Christmas Tree Road in the Northern part of the county.
According to Combs, Deputy Jimmy Strange and Reserve Deputy Steve Payne went to the residence at approximately 6:12 p.m. and communicated with Brewer.
Last Updated on Wednesday, 17 December 2008 14:57
Read more...
?2009 Salem Speedway season tickets now selling
Written by Administrator
Wednesday, 17 December 2008 00:00
?Salem Speedway season tickets are currently selling for the 2009 racing season. Priced at just $175 for non-reserved and $250 for reserved seating, Salem Speedway season tickets make great gifts for those race fans on your Christmas list.
Season tickets are good for admission to all 2009 motorsports events on the high banks, including ARCA, USAC, ASA and the Lucas Oil Pro Pulling League activities. Salem Speedway season tickets offer substantial savings over single race ticket purchases. As an added bonus, now through Christmas, race fans will receive a free Salem Speedway license plate with season ticket order. This heavy duty license plate, featuring the Salem Speedway logo in silver on a black background, looks great on any vehicle. This free offer is for a limited time only.
To order season tickets or for more information call 812-883-6504 or toll free 1-888-246-7223. Most major credit cards are accepted.
Last Updated on Wednesday, 17 December 2008 14:59
?IU Southeast Music Department to present annual Holiday Pops Concert
Written by Administrator
Wednesday, 10 December 2008 00:00
? The Music Department at Indiana University Southeast will present its annual Holiday Pops Concert on Saturday, December 13 at 7:30 p.m. and Sunday, December 14 at 3 p.m. in the Richard K. Stem Concert Hall on the IU Southeast campus, 4201 Grant Line Road in New Albany. Tickets are $11 for adults and $6 for students, seniors, and IU Southeast faculty and staff, and are available at the Ogle Center Ticket Office, at all Ticketmaster locations, or by calling (502) 361-3100, or online at ticketmaster.com.
The concert will feature seasonal favorites performed by the IU Southeast Orchestra, Concert Band, Concert Choir, and Community Chorus. The audience will be invited to join in the music making during the holiday sing-alongs. Master of Ceremonies will be television personality, Tara Bassett. Refreshments will be served in the lobby during intermission.
Free parking for the concerts is available in the Dogwood Lot only.
For more information on these performances, the IU Southeast Music Department and its programs and scholarship opportunities, please call (812) 941-2655 or visit www.ius.edu/music.
Last Updated on Wednesday, 10 December 2008 10:45
?Ethan Popp requests help collecting blankets for homeless
Written by Administrator
Wednesday, 10 December 2008 00:00
? It's that time of year again. Ethan Popp is requesting help collecting blankets for the homeless.
This is his third year collecting blankets for local homeless shelters. His goal for this year is to collect 150 blankets. These blankets can be gently used or new.
Popp and his family will deliver the blankets to shelters around Christmas time. Last year, around 100 blankets were collected.
Please contact Popp at 967-2142 if you wish to donate blankets. They will be able to pick-up blankets if needed.
Last Updated on Wednesday, 10 December 2008 10:45
More Articles...
?Georgetown Elementary School announces date of Third Annual Santa's Workshop
?Accident on US 150 claims life of Salem man, injures one
?SHS sporting events listed
?Recent accidents result in injuries, charges being filed against two individuals
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Aries Woman & Aries Woman
Two uncomplicated characters who need no validation. They agree that androgyny is a supreme state of being. There's a goodly dose of narcissism wrapped in their desire. Mutual masturbation might be how it begins.
Aries Woman & Taurus Woman
A social pair, they want to see and be seen. Aries has that glow of good health; Taurus is fetching but unfussy. The Bull offers Aries the protection she herself usually seeks. Sex is earthy and orgiastic.
Aries Woman & Gemini Woman
A boarding-school scenario: Aries initiates Gemini, who is invariably infatuated with the Ram, allowing herself to try acts she's only ever read about. In every aspect, Aries is the leader. In bed, there are no inhibitions.
Aries Woman & Cancer Woman
There's a promise of hedonism here: Danger and excitement are the attraction. Together, they thrive on social spontaneity and serendipity. Sex, especially with a buzz, is mind-blowing. there's a thrill in threesomes.
Aries Woman & Leo Woman
A warm, romantic, optimistic pair. Leo assumes the role of mentor. In the extreme, she'll exploit her power over Aries, seeking ever more worship and obedience. But most often, it's a keeper.
Aries Woman & Virgo Woman
They're a joy to behold: Aries finds her ravishing, reverential consort. Artistic leanings are lovingly pursued, creative passions are sparked. Often, they're joined at the hip. In bed, it's Aries who's pussy-whipped.
Aries Woman & Libra Woman
In the glint of each other's eye, there's a challenge: Who's the more evolved sexual animal? Antagonistic from the start, they process tension as pent-up erotic aggression. Sex is each woman's wildest.
Aries Woman & Scorpio Woman
Scorpio holds herself up as a prize—the role Aries ordinarily assumes. Tables turned, the Ram is floored with feelings for the sultry Scorpion sexpot. This all-consuming tie might not last, but it's lusty
Aries Woman & Sagittarius Woman
Competitiveness creates a healthy sexual tension. Aries is the more overt character, Sag keeps her emotions uncharacteristically cached. Superficiality is a pitfall. Still, it's a homey, cozy twosome.
Aries Woman & Capricorn Woman
Their learning curve is steep, but knowledge gained is power: Self-improvement takes precedence; individual pursuits are promoted. The infatuation lasts. Sex is rapturous—it's all about worship.
Aries Woman & Aquarius Woman
At first, they hide their hook-up from others. But taboo is what keeps them tempted. Even when committed, this coupling remains one of the most erotic lesbian combinations. Raunchiness is de rigueur.
Aries Woman & Pisces Woman
With utterly unlike agendas, Aries and Pisces feel free to protect and promote each other's pursuits. Together, life is richer. In bed, Pisces is the consummate femme fatale to the ardent, adoring Aries.
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A special community forum on bullying will be held on at Wayne Hills High School Monday, Jan. 14 from 7:30 to 9:30 p.m.
Attendees will have the opportunity to meet with Naomi Conklin, the district's anti-bullying coordinator, one of the district's school resource officers, and several anti-bullying specialists from various district schools.
A guest speaker will discuss the topic of "A Culture That Teaches Bullying: What Parents Should Know and Understand and What They Can Do."
For more information, contact Conklin at firstname.lastname@example.com.
— Have a question or news tip? Contact editor Daniel Hubbard at firstname.lastname@example.com or find us on Facebook and Twitter. For news straight to your inbox, sign up for our daily newsletter.


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About Prolotherapy offers the following resources for those wanting to explore prolotherapy further...
Misdiagnosed hip pain causing unnecessary spinal surgery?
Misdiagnosed hip pain causing unnecessary spinal surgery? Misdiagnosed spinal problems leading to unnecessary hip surgery?
Recent research suggests that doctors need to make the connection between lumbar problems and hip pain. Here is what they say: "A possible cause of hip pain is the presence of radiating pain from the higher lumbar spine. Identification of factors associated with hip pain arising from the lumbar spine would aid the physician. The first step in identifying possible factors is to look at the association between hip pain and osteoarthritis of the lumbar spine." In other words – figuring out the true cause of the patient's pain "would aid the physician." Next, "Our data provide evidence for an association between hip pain and disk space narrowing at disk level L1/L2 and L2/L3. In case of uncertainty of the cause of hip pain, evaluation of lumbar radiographs may help to identify those hip pain patients who might have pain arising from the lumbar spine."1 In other words, if the MRI scans do not clearly show the source of hip pain, the origin of pain could be coming from the low back and therefore scans of the lower back may be necessary.
Caution in spinal surgery for hip pain
Recently other research said the opposite, "The incorrect diagnosis of spinal stenosis in patients with primary hip arthritis can lead to devastating consequences, especially if this leads to inappropriate spinal surgery, repeated spinal surgery and costly investigations." In this research, doctors in South Africa examined the high prevalence of wrong site operations. "If indications for spinal surgery in patients with existing hip pathology include pain in the area of the hip joint, the result may be that symptoms persist and can often give rise to further surgery on the spine (if the hip pathology remains undetected). This wrong-site surgery is not only unfortunate but also detrimental to the patients and results in frequent malpractice lawsuits."2
Prolotherapy for referral hip pain
With Comprehensive Prolotherapy, referral pain patterns are a staple understanding of treating pain. By "referral patterns" we mean pain at one site being caused by problems at another, i.e., the hip causing back pain or the back causing hip pain. These referral patterns are why an experienced physician will not rely on MRI scans to tell him/her where the pain is coming from, rather they will perform an extensive physical examination.
When hip or lumbar pain is difficult to pinpoint or diagnose, a red flag should alert the physician that ligament and tendon problems are in play. As far back as 1958, ligament laxity and its treatment with Prolotherapy following physical examination was seen in a very high percentage of patients.3
In physical examination, a physician will palpate the patients looking for an exact site of injury, reproducing the pain, and then confirming the diagnosis with the actual injections, because an anesthetic is contained in the Prolotherapy solution. In the case of referral hip pain, the Prolotherapist will palpate not only the hip area but also the lumbar spine in an attempt to reproduce the pain.
The pain is usually eliminated immediately after the treatment due to the effect of the anesthetic being injected right into the source of the pain-the fibro-osseous junction. Prolotherapy treatments and injections will immediately eliminate all of the sharp pain and tenderness if enough solution of sufficient anesthetic strength is injected. Some people get so many injections that each Prolotherapy injections can only contain a small amount of anesthetic solution (higher levels would be toxic). In such an instance, most of the pain will be immediately eliminated, but not all of it. Relieving the pain immediately after the Prolotherapy gives the patient and the physician confidence that the injured structures have been treated. The average number of treatments needed for complete healing and pain relief if three to six treatments spaced approximately one month apart.
Ross Hauser, MD is a leading expert in Prolotherapy.
Questions? Contact us here.
1. de Schepper EI, Damen J, Bos PK, Hofman A, Koes BW, Bierma-Zeinstra SM.Disk degeneration of the upper lumbar disks is associated with hip pain. Eur Spine J. 2012 Nov 8. [Epub ahead of print]
2. van Zyl A, Misdiagnosis of hip pain could lead to unnecessary spinal surgery, SA orthop. j. vol.9 no.4 Pretoria 2010
3. Hackett, G. Ligament and Tendon Relaxation Treated by Prolotherapy. Third Edition. Springfield, IL: Charles C. Thomas, Publisher, 1958.


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Published on December 21st, 2012 | by Christian Cawley
The Doctor's Dark Place
As we all know, Doctor Who is usually about the companions and how they deal with the challenge of travelling through space and time. But every now and again we need to look at the Doctor himself and see how his lifestyle affects him.
One such example is Waters of Mars; another, it seems from a new Steven Moffat interview with Digital Spy, is this year's Christmas special, The Snowmen.
"It's rare that you get to do moments like this in Doctor Who where you get to talk about the impact of his lifestyle on him – it's usually about the companion… It's going to affect him now and then and he's a right old misery at the beginning because he's suffered a really quite traumatic loss.
You can watch the interview below (assuming it's working…)
3 Responses to The Doctor's Dark Place
Does this mean Matt won't be acting like a total buffoon in this episode – if that's the case I can't wait. I've never disliked a Doctor before and I've been watching since Tom, but number 11 is really ruining the show for me. Bah Humbug!!
It's not like the Ponds died and yet the Doctor has been written into being a misery and destined to mope around the Christmas special.
We need more continuity in the writing, when Adric became a smudge on the viewing screen of the freighter, the Doctor was all for a trip to the Great Exhibition for Tegan and Nyssa to get over the loss of their companion. The Time Lord equivalent of "Dry your eyes princess and crack on"
Since the Ponds didn't perish, a day trip to Alton Towers should enough to perk him up…. he could even take Brian…
Put that down to the classic series never wanting to dwell too much on those sticky touchy-feely emotions.


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A new public transportation system within Hillsborough Area Regional Transit Authority starts functioning Tuesday in Tampa. The first two weeks commuter can ride it free.
It is called MetroRapid North-South and both HART officials and commuters hope it will improve the speed and the public transportation service in the area.
The new route will run north on Nebraska Avenue from downtown Tampa then east along Fletcher Avenue near Telecom Park west of Interstate 75, according to HART's website,
The new system boasts sleek new green buses with Transit Signal Priority equipment. It allows drivers control the length of the green light at intersections. The buses have convenient lower floors.
The new stops have off-vehicle ticket machines and bicycle racks.
MetroRapid offers 15-minute service from Marion Transit Center to University Area Transit Center on the weekdays. HART officials estimate it could travel the 17.5-mile North-South route in less than an hour.
200 South Parker Street, Tampa, FL 33606
Telephone: 813.228.8888
Fax: 813.225.2770
Email: email@example.com


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Sadly, the five geckos Russian scientists sent into space to have sex died. But the stories of their freaky extraterrestrial exploits will live on forever.
Space Spring Break #2
To avoid capture by the evil Commander Nutbuster on their way to Space Cancun, Captain Tony Waves and his crew duck into a wormhole.
Watch every episode of Space Spring Break here!
Space Spring Break #1
In space, no one can hear you make a complete ass of yourself. Enjoy all the debauchery and adventure of spring break and outer space combined in our radical new web series!
Gravity (with Paperclip)
Spinning helplessly through space, an astronaut gets an assist from the worst possible source.
We like to laugh.


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Specifications for the
Model 1857 12-Pounder Napoleon
Field Gun
Country of Origin: United States
Manufacturer: Union Foundries - USA
Initial Year of Service: 1857
Production: 1,657
Focus Model: Model 1857 12-Pounder Napoleon
Crew: 7
Overall Length: 5.25ft (1.60m)
Width: 0.00ft (0.00m)
Height: 0.00ft (0.00m)
Weight: 1.8 US Short Tons (1,626kg; 3,585lbs)
Powerplant: None. This is a towed artillery piece.
Maximum Speed: 0mph (0 km/h)
Maximum Range: 1 miles (2 km)
NBC Protection: None
Nightvision: None
1 x 4.62" (117mm) smoothbore barrel
Dependent upon ammunition carrier.
Model 1857 "Napoleon" 12-Pounder - Base Series Designation; Union variant identified by "swell" at muzzle most Confederate pieces lacked this feature due to metal shortages; Confederate foundries made approximately six variations of the base design.
Confederate States; United States


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Complete forecast by
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Date: Saturday, March 23, 2013Crossroads will play from 9 p.m.-1 a.m. at Krusteez Pizza/Harry's Back Room, 411 2nd St., Matherville. Call 309-754-9800 or email for details.
Earthquake Cake
(More recipes)
Visit our other local sites: Daily-Journal.com | MyWebTimes.com | PostBulletin.com
Copyright 2014 QCOnline All Rights Reserved


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Model# SS05
Softspikes Black Widow Tour Golf Cleats
Starting at: $12.95Softspikes has once again revolutionized the golf cleat industry by creating the first golf cleat with adjustable comfort settings. BLACK WIDOW Tour golf cleats feature two comfort settings, Tour-Comfort and Tour-Firm, allowing golfers to select the comfort setting that best fits their game. Additionally, BLACK WIDOW Tour cleats are the first cleats from the Softspikes brand to combine flexible legs with secondary traction elements producing the most advanced performance cleat on the market. This combination of flexible legs and cushioning towers allows BLACK WIDOW cleats to self-adjust to every situation, terrain and golfer. To choose the correct Soft Spike Cleat click on the Product Manuals tab above. Learn More
Model# GDW1200
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Starting at: $12.95Aftermarket weights fit RAZR Fit, Tour Authentic RAZR Fit, RAZR Fit Xtreme drivers and their Opti-Fit weight technology. Single. Learn More
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Golf Tees 3-1/4" 500 Pieces$15.95Wooden golf tees, white color. Learn More
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Bandit Golf Ball (doz) and 100-Pack Tee Bundle$19.9516% OFF WHEN YOU BUY THE BANDIT MD GOLF BALLS AND 100 PACK OF GOLF TEES BUNDLE! Buy together for only $19.95! (Regular $23.94) Bandit MD Golf BallsWhat are the best golf balls for my game? The Bandit MD Golf Balls offers a new super reactive core, developed with its own proprietary core featuring a special blend of polybutadiene synthetic rubber, and high-energy transfer metals. Golf Tees 2-3/4" 100 PiecesWooden golf tees, white color, 100 pieces. Learn More
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Axglo TriLite Carry Bag$14.95The perfect carrying case for the Axglo TriLite push carts. These bags are made of ultra-thick synthetic material for long lasting durability. Dimensions: Length 25 x Width 17 x Height 12 inches Learn More
Model# AXFGBG
Axglo Flip N' Go Carry Bag$14.95The perfect carrying case for the Axglo Flip 'N Go push carts. These bags are made of ultra-thick 100% Oxford Polyster for long lasting durability. Dimensions: Length 25 x Width 15 x Height 13 inches Learn More
Model# TGUM112-001
62 Inch Deluxe Golf Umbrella Black$12.9562 inches of wind busting construction. Push button auto-open feature allows easy, effortless opening. Learn More
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15 Foot Golf Ball Retriever with Free PU Foam Practice Golf Balls Bundle$14.95Buy the 15 Foot Golf Ball Retriever and Get a Free 6 Pack of PU Foam Practice Balls! Adjustable shaft extends to 15 feet. Scoop style head is perfect to retrieve balls from the water or gnarly rough. Learn More


text: What city do you want to participate in: Lewisburg, WV Logan, WV Huntington, WV Short Gap, WV Clarksburg, WV Parkersburg, WV Martinsburg, WV Wheeling, WV Elkins, WV Beckley, WV Glenville, WV Name: Age: Height: Weight: Birth Date: Address: City/State: Zip Code: E-Mail Address: Work Phone: Home/Cell Phone: Occupation: Interests/Hobbies: Accomplishments:(awards,titles, contests, other personal achievements) Attach Recent Bikini Photo: "Miss Ring Girl Contest" Winner will recieve $1000! 2nd, 3rd and 4th win $200 Each! The promoter reserves the right to accept or reject any applicant


text: Press freedom prize goes to four journalists Print article Send a Tip AFP 11/19/2012 6:04:39 PM Journalists from Brazil, China, Kyrgyzstan and Liberia were to be honored Tuesday at the 2012 International Press Freedom Awards in New York for taking huge risks to expose human rights violations in their countries.The New York-based Committee to Protect Journalists said the four reporters "have faced severe reprisals for their work, including assault, threats, and torture."They were to be honored at an awards dinner in New York, although two of them -- Kyrgyz reporter Azimjon Askarov and Tibetan Dhondup Wangchen -- were unable to attend as they are currently imprisoned."We are inspired by these journalists who have paid a high price for their enduring dedication to the truth," said CPJ Executive Director Joel Simon.The winners were:-- Brazilian Mauri Koenig, an investigative reporter who has spent 22 years covering human rights abuses and corruption. Koenig was almost beaten to death while reporting for stories on the kidnapping of Brazilian children for military service in Paraguay and has received many death threats.-- Wangchen, a Tibetan documentary filmmaker who made the film "Leaving Fear Behind" about his homeland ahead of the 2008 Olympics in Beijing. He was promptly detained and sentenced to six years in prison.-- Askarov, a Kyrgyz journalist and human rights activist sentenced to life behind bars after writing about corruption and abuse of power. According to human rights groups, the criminal case against him was fabricated.-- Mae Azango, a rare female journalist in Liberia, had to go into hiding after writing about female genital mutilation.The CPJ honors between four and seven individuals or publications each year at the New York banquet.


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I generally don't like herringbone sports coats but I'm kinda feelin that one.
The shirt is too similar in scale though. And a mostly white check shirt belongs in a different context than that SC. it's better with a blue blazer or blue suit.
Pocket square has nothing to do with anything. I'd go with a solid blue shirt and an earthtoned square.


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Attorney Richard E. Cohen has dedicated his legal career to protecting the rights of individuals. Whether you have been charged with a crime or injured by another party's negligence, he can ensure that you are treated fairly under the law.
Mr. Cohen has more than 20 years of experience practicing law in Connecticut and is a member of the Connecticut Criminal Defense Lawyers Association. He is committed to timely communication, returning calls and inquiries promptly. He takes the time to talk with clients, giving them the information they need to make decisions about their cases.
To learn more about our lawyer's background, please click on the link below.
For a free consultation, please call our Hartford office at 860-541-5669 or contact us online.


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Best.Absolute.Perfect: the group with a tough & hardcore image, hate doing cutesy stuff, & are considered one of the most masculine idol groups right now. but, let them interview themselves, & they talk about underwear and butt grabbing. -__-
What is this interview?.-.
Design by Simon Fletcher. Powered by Tumblr.
© Copyright 2010


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links for 2007-05-29
Published on - May 29th, 2007 (by J.D. Roth)
>> Prosper personal lending update <<
Many of you enjoyed Frykitty's post on investing with Prosper, the person-to-person microloan service. Here's an article at PF Blog that describes the author's experience underwriting 163 loans for a total of $14,880 over the past year. Based on the average interest rate (17.6%), I'm guessing that most of these were relatively high-risk loans, which might explain why the author hasn't had much success.
>> Free summer movies for kids <<
Nickel at Raising Four Boys has thrown together a list of free and cheap movie theater promotions for kids.
>> How to live on a tight budget <<
Lifehack.org suggests you re-prioritize entertainment expenses, save on gas, get creative with gifts, and save on groceries.
This article is about Spare Change
I thought the 17.6% was a little high, as well. I've read other articles where the mean percentage hovered around 11% or 12% and the authors had returns of around the same amount. I think perhaps it takes some instinct or savvy to do it right. It almost seems like the author of the above blog set out to fail, although he did still have a 4.4% return…
I haven't tried Prosper yet, but I intend to. Only I don't plan getting greedy with the high interest rates…
My Prosper average was around 25% at one point, though across only a handful of loans. I have decided to only reinvest in lower risk loans. I got 17% from AA credit on my last one.
I only invested a small amount of money, most of it was with someone I know. Then whenever my balance totals $50 I reinvest in a new loan. I pretty much consider my Propser mmoney gambling.
Wanted to add: About getting "greedy" with high interest- that's the only way you can lend to people without great credit, and certainly many people lend for the Social aspect ( helping someone out, helping people rebuild, investing in your favorite social causes,etc). Otherwise you will be lending only to people with perfect listings who could probably get a bank loan or 0% card offer. The rates correspond somewhat to the risk and sadly to really make money off the people with troubled credit you need to make your rates HIGHER ( How is that for greedy). Caps make it impossible to really make it attractive to lend unless you really are lending to help and dont care if you are repaid.
Actually, it looks like the average credit grade for the borrowers wasn't incredibly low.


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In the first period of Thursday night's 4-1 Bruins win over the Florida Panthers, the Bruins held a 1-0 lead when Florida's leading scorer, Jonathan Huberdeau, caught a Bruins turnover and raced in on a breakaway, firing a shot low glove-side that required a flashy effort from Tuukka Rask in order to keep it out of the net.
The play was a hint of the type of game-changer Huberdeau can be because although he did not score on that play, Huberdeau could have singlehandedly changed the complexion of the game if not for an outstanding save by Rask.
Just over halfway into the season, Huberdeau is emerging as the leading candidate for the Calder Trophy. As the third pick of the 2011 NHL Draft behind Ryan Nugent-Hopkins and Gabriel Landeskog, Huberdeau easily could have been forgotten. Nugent-Hopkins and Landeskog were both key players for their respective NHL teams during the 2011-12 season, while Huberdeau played another year for the Saint John Sea Dogs of the Quebec Major Junior Hockey League. Then there is the matter of hockey markets: Edmonton and Colorado have thriving fanbases while Florida is not exactly a hockey-crazed area.
But Huberdeau is making himself known thanks to his production. He leads all rookies with 12 goals in 28 games and is second among rookies with 17 total points. Among the rest of the NHL, Huberdeau is tied for sixth-most goals overall alongside players like Sidney Crosby, Eric Staal, PA Parenteau and Brad Marchand.
His goal total is even more impressive when placed in the context of his contemporaries; only four other active players have scored 12 goals within their first 25 NHL games.
Who are those four players? Teemu Selanne (scored 18 in his first 25 games), Alexander Ovechkin (15 goals), Evgeni Malkin (15 goals) and Crosby (12 goals). In other words, they are likely four future Hall-of-Famers.
Huberdeau accomplished these totals while playing for a terrible Florida team. The Panthers sit in last place in the Eastern Conference and are third-to-last in the conference in goals scored. Two of the team's leading offensive threats, Kris Versteeg and Stephen Weiss, have been out for most of the year with injuries. Huberdeau virtually carries what little there is of the Panthers' offense.
It would have been understandable if Huberdeau needed a bit of an adjustment period when joining the Panthers this year. For the last few years, Huberdeau has only known life as a player on a highly successful team with a rabid following.
During the lockout, he continued to play for Saint John, a powerhouse in the QMJHL, before joining a loaded Team Canada in the World Junior tournament at the turn of the new year.
Florida is much different than both teams. Huberdeau now has to learn how to compete for a team that likely won't make the playoffs, and although he is a rookie, he has to serve as a team leader by virtue of his point totals and the amount of injuries the Panthers have sustained.
"Sure you have to step up with a lot of energy," Huberdeau said. "We don't have the players that we're missing, so a lot of guys have to step up, and I think that's what I'm trying to do now."
And while Huberdeau, a native of Saint-Jerome, Quebec, may not speak the best English, he clearly has found his way on the ice.
Perhaps the most promising aspect of Huberdeau's game is his defensive presence. In Thursday night's game, Huberdeau would frequently lead a rush in the offensive end, then race back to the other end of the ice and create a turnover with a solid hit against the wall or by clearing a puck away from the slot. Huberdeau clearly has offensive talent; if he can compliment that with strong defensive play, he will be a force to be reckoned with in the league for years to come.
"He's working hard and he's doing a lot of good things in there," said defenseman Brian Campbell. "He's fitting in with our team well. He's becoming more of a complete player every day. He's going to do well in this league."
But, like any good player, Huberdeau is not satisfied, especially when it comes to his missed opportunity on that first-period breakaway in Thursday night's loss.
"In the first period, I thought if I scored it would be a different game for sure, and I think you can't miss those chances," Huberdeau said. "I had two or three other chances in the first period, so I think if I score one, it's a different game. So yeah, I gotta work on that and I gotta capitalize on those chances."
After all, while Huberdeau is enjoying a solid start to the season, there are still many more chances he will need to capitalize on if he wants to finish the year holding the Calder Trophy.


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The twins Maria and Noel have always lived together and are very closely linked. When Maria decides to enter Morinomiya School because of the beautiful eyes of its basketball coach, Noel, who refuses to be separated from his sister, decides to enter the same establishment. Unfortunately, there are no spots left for boys. He thus decides to pass himself off as a girl! But school life is not easy when one must constantly play in a comedy! Especially when Noel rapidly falls in love with Miyu, a fellow classmate, while he himself is courted by another student.
Alternative Name: -
Author: -
Artist: -
Publisher: -
Category: Comedy, Gender Bender, Romance, School Life, Shoujo
Tagged as: -
Characters: -
Date Added: Oct 15, 2012
Released in: -
Reading Direction: Right to left
Status: Completed
Rank: 2320
Total views: 505
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Spencer Houlihan
All Posts
Exone Buying Opportunities Await
By Spencer Houlihan - August 14, 2013 | Tickers: DDD, XONE, ONVO, SSYS
Since missing earnings and getting a mulligan from the market, 3D printing company Exone (NASDAQ: XONE) continues to reward its shareholders. Exone shares recently made new highs, tripling from its February IPO price and peaking at $75. Now trading off the highs, partially due to an analyst downgrade of Exone, the time may be coming for risk-seeking investors to initiate a position in the fast-growing company.
No alternative
Fundamentally, Exone more »
ExOne Gets a Mulligan
By Spencer Houlihan - June 4, 2013 | Tickers: DDD, XONE, SSYS
You know that golfing buddy that shanks his drive into the woods, only to nonchalantly re-tee another Pro V1 right before your eyes? Effortlessly, he hits his mulligan--possibly in the woods again, or perhaps down the middle of the fairway. But you don't think anything of the do-over. In the grand scheme of things, does it really matter? One mulligan couldn't cost you too much when it's more »
3 DRIPs to Buy for Your Kids
By Spencer Houlihan - May 17, 2013 | Tickers: K, PG, DIS
Dividend Reinvestment Plans (DRIPs) are a great way to accumulate shares of stable, dividend-paying investments for the long term. With a DRIP, an investor purchases shares of stock directly from the company, eliminating many of the fees associated with brokerage accounts and advisers.
Teaching children about investing is a challenge, and it is wise to start small to keep kids focused and relate to what they know. DRIPs are a more »
3 Stocks for the Year 2033
By Spencer Houlihan - May 6, 2013 | Tickers: IRBT, OLED, URS |
Wall Street analysts are paid to predict company sales and earnings performance, typically over the next few years. Some analysts go further, estimating financial results over the next five years, but finding an analyst to predict further into the future is rare.
But, with most individual investors having an investment horizon of over 20 years, we should put more emphasis on the really long-term. With this in mind, what stocks more »
Staying Ahead of Warren's Elephant Gun
By Spencer Houlihan - April 19, 2013 | Tickers: AXP, BRK-B, DE, DFS, EBAY
"We're prepared. Our elephant gun has been reloaded, and my trigger finger is itchy."
--Warren Buffett, appearing on CNBC's "Squawk Box", Valentine's Day 2013.
With Berkshire Hathaway's (NYSE: BRK-B) mega-buyout of Heinz in January, billionaire Warren Buffett showed that he still has the tenacity and eagerness of a much younger man. The Heinz acquisition cost Berkshire $13 billion in cash, with 3G Capital kicking in the more »
Ann Taylor's Lofty Future
By Spencer Houlihan - April 19, 2013 | Tickers: ANN, GPS, JCP
"I like my money right where I can see it...hanging in my closet"
--Carrie Bradshaw, Sex and the City
According to the Department for Professional Employees, women make up 57% of workers in professional occupations, and are expected to outpace the growth of men in business over the next decade. Not only are more professional women participating in the workplace, but a more recent trend shows the salaries of more »
Ann Taylor's Lofty Future
By Spencer Houlihan - April 2, 2013 | Tickers: ANN, GPS, JCP, LULU
"I like my money right where I can see it...hanging in my closet"
--Carrie Bradshaw, Sex and the City
One mega-trend that continues to dominate the social landscape is the growing number and percentage of women in the U.S. workplace. Women are getting better jobs and making more money than ever before, and this trend is projected to continue for the foreseeable future. According to the AFL-CIO's more »
The 3 Keys to Exone's First Earnings
By Spencer Houlihan - March 22, 2013 | Tickers: DDD, XONE, SSYS
The 3D printing wars are heating up, with rivals Stratasys (NASDAQ: SSYS), 3D Systems (NYSE: DDD), and Exone (NASDAQ: XONE) competing for market share and leadership within this developing industry.
Followers of the industry will recognize Exone as the new kid on the block, set to issue its first earnings report on March 27, 2013. Exone's fourth-quarter report will likely set the tone for investor sentiment around this young more »
Who's Cashing in on the Paleo Craze?
By Spencer Houlihan - March 8, 2013 | Tickers: BDBD, CMG, HAIN, WFM
Paleo-mania continues to gain popularity among cutting-edge health fanatics, and is now spreading to the masses. Followers of the "Paleo", or "Caveman", lifestyle eliminate foods from their diets that were introduced anytime in the last 10,000 years. Foods within the Paleo parameters include fruit, vegetables, meat, fish and nuts -- and that's pretty much it. Proponents of Paleo claim increased overall health and higher energy while decreasing dangerous inflammation more »
Bet on This Longshot to Win the 3D Printing Race
By Spencer Houlihan - March 5, 2013 | Tickers: DDD, XONE, SSYS
3D printing, or additive manufacturing, is the hottest industry going, with arguably the best growth story in the market. Momentum traders and institutional investors spent 2012 cashing in on lucrative bets on Stratysys (NASDAQ: SSYS) (+86% in the last 52 weeks) and 3D Printing (NYSE: DDD) (+148%). In early 2013, retail investors are joining the party, driving shares to new all-time highs, and creating a dot-com like bubble feel in more »
The Cult of Lululemon
By Spencer Houlihan - February 23, 2013 | Tickers: CROX, LULU, JWN, UA |
Investors continue to pay a high premium for Lululemon's (NASDAQ: LULU) cult-like following and strong growth and expansion prospects. There is a voracious appetite among a vocal group of the company's fanatics for all things Lulu. Searches for "yoga pants" and "Lululemon" are at all-time highs on Google Trends, signaling peak interest. The company continues to grow organic sales at 20+% rates while adding new stores, making the more »
Sodastream: Investment or Fad?
By Spencer Houlihan - February 19, 2013 | Tickers: KO, PEP, SODA
Remember the good old days when you could drop a quarter into your local vending machine and enjoy a Coke and a smile? Sadly, inflation has driven carbonated beverage prices to at least a buck, and far more in certain venues. But Israel-based Sodastream (NASDAQ: SODA) wants to bring back the days of cheap carbonated Coke-like products, with their popular at-home fountain Soda Maker kits. Sodastream sells an innovative line more »
Straddling the Fence on Pandora
By Spencer Houlihan - February 11, 2013 | Tickers: AAPL, FB, P, NWSA
Pandora (NYSE: P) continues to grow at a rapid rate in the competitive internet radio segment. The company's listener growth has been phenomenal, and Pandora now boasts over 7% of the total U.S. radio listening market, which amounts to 67 million listeners. These users tuned into Pandora for nearly 14 billion hours in 2012, up from 8 billion hours in 2011. With numbers like these, one might assume more »
BDC's: What Am I Buying?
By Spencer Houlihan - February 1, 2013 | Tickers: AINV, GLAD, PSEC
Investors are attracted to the relative high dividend yields and potential capital appreciation of Business Development Companies, or BDC's for short. BDC's were created by Congress in the 1980's to promote private equity investments in middle-market private companies and small capitalization public companies. BDC's qualify for favorable taxation in a manner similar to that of REIT's, and must pay 90% of income in order to more »


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Stop Your Kid's Dirty Habit
My daughter picks her nails until they bleed ... and it's driving me nuts. Luckily, pediatrician Dr. Cara Natterson has some pointers to help stop the madness.
Momlogic's Julie: My 5-year-old daughter picks her nails constantly and won't stop. She has been doing it for about a year or two now. We have painted her nails, bribed her, begged her to quit ... but nothing has seemed to work so far. She often picks at her nails and cuticles until her fingers are red and swollen, or even bleeding. I have considered making her wear gloves. She has gotten infections, and at one point, her pediatrician even thought she had MRSA and put her on heavy-duty antibiotics. Eek.
I don't know WHY she does this ... but it is driving me nuts and making me very nervous. I turned to pediatrician Dr. Cara Natterson for help.
Here's what Dr. Cara had to say:
My daughter was a nail picker, too. She did it starting around two-and-a-half, and stopped on the eve of her 4th birthday. The only reason I know precisely when she stopped is that we tried incentivizing her with a birthday visit to Disneyland and it wasn't working. When we told her that Aurora (i.e., Sleeping Beauty) once picked her nails but she was able to stop all by herself, that did the trick. We did, in fact, go to Disneyland for her birthday and she spent much of the day looking for Aurora to tell her that they shared a mutual accomplishment!
Your frustration is understandable, especially since your daughter has had complications from the picking (including a pretty significant infection). The reality, though, is that she cannot just stop. Some kids are oral, other kids are manual, and some are neither. What I mean by that is that some kids need to put everything in their mouth, while others need to fiddle with their hands. These are tools they use to help them concentrate, or to calm themselves, or just because the low-level sensation feels good. So to expect your daughter to simply stop is almost impossible because she needs to be moving her fingers. This is why, despite incentives and begging and star-charts, nothing has worked.
The best solutions I have seen have involved substitution: give her something else to do with her hands. You can teach her how to finger-crochet with yarn; you can give her balls to roll around in the palm of her hand; you can teach her just about anything that keeps her fingers occupied so that she does not pick. She will still "fiddle," and that might annoy you, but it's a whole lot better than an MRSA infection of the cuticle.
There is also the barrier method: placing Band-Aids over the fingers to impede the picking. The main problem with this is that if your daughter picks all 10 fingers, she cannot walk around with 10 Band-Aids -- she will either simply take them off or people will ask about them and it will become a source of attention. But if she only picks one or two fingers, putting the Band-Aids there (and explaining WHY you are doing this -- a crucial piece of the puzzle) can help remind her not to pick.
Finally -- and maybe most importantly -- this is yet another example of one of those things that can be a button-pusher. Don't let your daughter know it drives you crazy. Right now you have a problem to solve: she is picking to the point of infection and it has to stop. But down the road, once you have found a way to curtail the habit, if she remembers that it drove you crazy, she might just start doing it again when she wants to get a reaction. So do your very best to hide your own emotions here -- that should reduce the likelihood of the behavior creeping back up once it is gone.
|Dr. Cara Natterson, a graduate of Harvard University and the Johns Hopkins School of Medicine, and author of "Your Toddler: Head To Toe," is a pediatrician and mother of 2. She is working on her forthcoming book, "Dangerous or Safe?"


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Book your room at Le Marina Bay Hotel
Standard Double RoomMax Occupancy: 2 guests (up to 2 children, 1 infant)
Standard Room, 1 Double or 2 Single Beds, Lake ViewMax Occupancy: 2 guests (up to 1 infant)
Triple RoomMax Occupancy: 3 guests (up to 2 infants)
Deluxe Double RoomMax Occupancy: 2 guests (up to 1 infant)
Executive Suite, 2 Double BedsMax Occupancy: 4 guests (up to 3 children, 2 infants)
Double Room Single UseMax Occupancy: 1 guest
Annecy-le-Vieux hotel with a restaurant
Situated on a lake, this hotel is close to Station Roller, Annecy Castle, and Savoie Annecy University. Also nearby are Amours Bridge and Church of St. Maurice.
Hotel Features
In addition to a restaurant, Le Marina Bay Hotel features a bar/lounge. Other amenities include ski storage and complimentary wireless Internet access.
Room Amenities
Flat-screen televisions come with digital channels. Guestrooms also feature complimentary wireless Internet access, complimentary high-speed (wired) Internet access, and safes.Information missing or incorrect? Tell us!
At your hotel
At your hotel
The hotel offers a restaurant. A bar/lounge is on site where guests can unwind with a drink. High-speed wireless Internet access is complimentary. Event facilities measuring 431 square feet (40 square meters) include a meeting room. This Annecy-le-Vieux hotel also offers multilingual staff, ski storage, and laundry facilities. Complimentary self parking is available on site.
- Front desk (limited hours)
- Free Wi-Fi
- One meeting room
- Luggage storage
- Dry cleaning/laundry service
- Room service
- Ski storage
- Bar/lounge
- Elevator/lift
- Restaurant
- Total number of rooms - 57
- Laundry facilities
- Number of floors - 2
- Multilingual staff
- Safe-deposit box at front desk
- Free self parking
- Conference space size (feet) - 431
- Conference space size (meters) - 40
- Number of buildings/towers - 2
Stay connected
Available in all rooms: Free Wi-Fi , Free wired high-speed Internet
Available in some public areas: Free Wi-Fi
Park your car
Free self parking
In your room
- Rollaway/extra beds available
- Complimentary newspaper
- Phone
- In-room safe
- Soundproofed rooms
- Daily housekeeping
- Cribs/infant beds available
- Digital TV service
- Flat-panel TV
- Free Wi-Fi
- Free wired high-speed Internet
Eat and drink
Le Marina Bay - Overlooking the garden, this restaurant serves lunch and dinner. Guests can enjoy drinks at the bar. A children's menu is available.
Room service is available.
The recreational activities listed below are available either on site or nearby; fees may apply.
- Golfing nearby
- Downhill skiing nearby
- Cross-country skiing nearby
- Snowboarding nearby
- Snorkeling nearby
- Kayaking nearby
- Rafting nearby
- Skydiving nearby
- Personal motorized watercraft on site
- Ecotours nearby
- Ski lessons available nearby
- Ski equipment rental shops nearby
- Water skiing on site
- Bicycle rentals nearby
To make requests for specific accessibility needs, complete the "Special or Accessibility Requests" section of "Trip Preferences" when you book your hotel.
- Accessible bathroom
- Accessible parking
- In-room accessibility
- Roll-in shower
The fine print for Le Marina Bay Hotel
When you arrive
Check-in time starts at 2 PM
Check-in time ends at 11 PM
When you leave
Check-out time is 11 AM
How you can pay
Accepted at this hotel: American Express, MasterCard, Visa
Your pets
Pets allowed, Only dogs and cats are allowed
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.
- A tax is imposed by the city: EUR 1 per person, per night. This tax does not apply to children under 18 years of age.
- Pet fee: EUR 10 per pet, per night
- Rollaway bed fee: EUR 20 per night
National Rating
The star rating classification system for French hotels has recently changed. The star rating for this hotel has not yet been updated and may not be accurate.


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1-minute piano break at Lincoln Square
3-minute podcast: Thanksgiving and social media fact to naysayers. at Seattle
1.25 minute open podcast: stupid jaywalker that I almost hit at Ravenna neighborhood | Felice Lam
1-minute drums at the @nordstromsea street corner. at Nordstrom | Felice Lam
2.5 minute podcast: 2 gratitude levels with homeless people at Impark Lot 3 | Felice Lam
5-minutes @tedxrainier podcast review at Kane Hall | Felice Lam
3.5-minutes podcast review: Community Artists Program. at Seattle design center | Felice Lam
1-hour audio @UW panel - Women at the Top: Paths to Authentic Leadership at The Executive Lounge | Felice Lam


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A validated questionnaire that assesses symptoms and the effect of dry eye disease (DED) on the patient's daily life is needed to evaluate the condition.
To develop and validate the Dry Eye–Related Quality-of-Life Score (DEQS) questionnaire in Japan.
Design, Setting, and Participants
Development and evaluation of the DEQS questionnaire were conducted in 4 phases: (1) item generation, (2) pilot study to assess content and face validity, (3) preliminary psychometric validation study to examine factor structure and reduce the number of items, and (4) final psychometric validation with 224 participants (203 with DED and 21 serving as controls). Participants completed the DEQS questionnaire, the Short Form-8, and the National Eye Institute Visual Function Questionnaire-25. To evaluate reproducibility and responsiveness, individuals with DED completed the DEQS questionnaire twice.
Main Outcomes and Measures
Internal consistency, reproducibility, discriminant validity, concurrent validity, and responsiveness.
Items were generated from a literature review, and 35 items were selected for the draft version. In the pilot study, 11 items were deleted; furthermore, 9 items were deleted based on the results of item analysis and factor analysis in the preliminary validation study. The final 15-item DEQS questionnaire consisted of an Overall Summary scale and 2 multi-item subscales: Impact on Daily Life and Bothersome Ocular Symptoms. The psychometric analysis revealed that the DEQS questionnaire has good internal consistency, test-retest reliability, discriminant validity, and responsiveness to change. The DEQS questionnaire correlated well with the mental component of the Short Form-8 and showed strong correlations with 4 subscales (Ocular Pain, Near Vision, Distance Vision, and Mental Health) of the National Eye Institute Visual Function Questionnaire-25.
Conclusions and Relevance
The DEQS questionnaire is valid and reliable for evaluating the multifaceted effect of DED on the patient's daily life, including mental health, and it can be used easily in routine clinical practice.
Thank you for submitting a comment on this article. It will be reviewed by JAMA Ophthalmology editors. You will be notified when your comment has been published. Comments should not exceed 500 words of text and 10 references.
Do not submit personal medical questions or information that could identify a specific patient, questions about a particular case, or general inquiries to an author. Only content that has not been published, posted, or submitted elsewhere should be submitted. By submitting this Comment, you and any coauthors transfer copyright to the journal if your Comment is posted.
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Indicate all relevant conflicts of interest of each author below, including all relevant financial interests, activities, and relationships within the past 3 years including, but not limited to, employment, affiliation, grants or funding, consultancies, honoraria or payment, speakers' bureaus, stock ownership or options, expert testimony, royalties, donation of medical equipment, or patents planned, pending, or issued. If all authors have none, check "No potential conflicts or relevant financial interests" in the box below. Please also indicate any funding received in support of this work. The information will be posted with your response.
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Home > Art / Photo > Photographs > What's on his Mind?
What's on his Mind?Report abuse
I witness this donkey on the side of the road and right away he and i connect. he was tring to tell me something. took me a while but i finally found out what he wanted. food.


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Sample Recipes continued...
Makes 2 servings (2 bagel pizzas each)
2 whole wheat bagels
1/3 cup pizza sauce (or 2 tablespoons pesto or light garlic & herb spreadable cheese)
2/3 cup shredded, reduced-fat mozzarella cheese
2 teaspoons extra virgin olive oil
1 1/2 cups sliced mushrooms (button, crimini, or baby portobello)
2 cups fresh spinach leaves
2 teaspoons minced garlic
Black pepper to taste
- Cut whole wheat bagels in half with a serrated knife to make 4 pizza crust circles. Place them cut side up on a baking sheet. Spread about 1 1/2 tablespoons of pizza sauce (or 1/2 tablespoon of pesto or light garlic & herb cheese spread) over each pizza half.
- Top each bagel half with 1/4 of the shredded cheese.
- Heat a medium nonstick frying pan over medium-high heat and add olive oil. When oil is hot, add the sliced mushrooms and sauté, stirring often, until lightly browned. Stir in the spinach leaves and minced garlic. Stir and sauté until the spinach is bright green and shrunken down (about 1 minute). Add black pepper to taste.
- Spread the spinach and mushroom mixture evenly over the pizza halves and broil about 4 inches from the heat until cheese is bubbling. Watch carefully so it doesn't burn.
Per serving (using pizza sauce): 452 calories, 25 g protein, 62 g carbohydrate, 12.5 g fat, 4.7 g saturated fat, 4.8 g monounsaturated fat, 3 g polyunsaturated fat, 21 mg cholesterol, 11.5 g fiber, 836 mg sodium. Calories from fat: 25%. Omega-3 fatty acids = 0.2 grams, omega-6 fatty acids = 2.8 grams
Crockpot Coconut Curry Chicken Casserole
This provides you with veggies, whole grains, and lean meat all in one delicious dish. You can use light coconut milk instead of the fat-free half-and-half and coconut extract.
Makes 4 servings
1 tablespoon extra virgin olive oil (or canola oil)
4 skinless, boneless chicken breasts
Ground pepper
Salt to taste (optional)
2 cups fat-free half-and-half
2 teaspoons coconut extract
2 cups reduced-sodium chicken broth
1 1/2 to 2 teaspoons red curry powder
3/4 cup uncooked brown rice
2 small red bell peppers (ribs and seeds removed), cut into thin strips or 1-inch pieces
3 cups fresh or frozen green beans (stem ends removed), cut into 1-inch long pieces
Garnish: 2 tablespoons toasted coconut, natural unsweetened or flaked (optional)
- Heat olive oil in a large, nonstick skillet or frying pan over medium-high heat. Season chicken with pepper and salt (if desired) and add to skillet. Brown well on both sides (about 3 minutes each).
- While chicken is browning, combine fat-free half-and-half, coconut extract, chicken broth, red curry, and brown rice in slow cooker dish. Add browned chicken on top and arrange bell pepper and green beans over it. Cover the slow cooker and heat on low for 4 to 6 hours, or until rice is tender.
- Serve chicken with some of the rice, vegetables, and curry coconut sauce. Sprinkle on some toasted coconut, if desired. (To toast coconut on a stove, spread it in the bottom of a nonstick skillet or frying pan. Cook over medium heat, stirring frequently, until the coconut is golden brown.
Per serving: 371 calories, 36 g protein, 40 g carbohydrate, 7.5 g fat, 1.7 g saturated fat, 4 g monounsaturated fat, 1.4 g polyunsaturated fat, 75 mg cholesterol, 5.5 g fiber, 271 mg sodium. Calories from fat: 18%. Omega-3 fatty acids = 0.1 gram, omega-6 fatty acids = 1.3 grams.


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Here's the Mood Stream of my life. Likes. Inspirations. Things that get me up in the morning.
See more at: http://www.westerman.us
About me: Executive Creative Director focused on digital platforms; #web, #mobile, #tablet, #branded entertainment & #cloud. Publisher of www.thrillnetwork.com Happy gay
Only the best book ever
i LOVE leo lionni
Love this book.
Love Leo Lionni
This cover incorporates my favorite things.
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So the editors at Zagat went back to their 2013 Los Angeles and Southern California Restaurants guide to find the eateries with the best servers in town.
The top 10 restaurants are as well-known for their service as they are for their fare. And while some of these restaurants have famous names, a few surprise underdogs made the cut as well.


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Posts Tagged 'PTA fundraising'
PTA Parent newsletter announces School Review Contest!Thursday, November 6th, 2008
Today, the PTA Parent newsletter announced our School Reviews Contest and shared details on how local school PTAs can win $1000 by submitting reviews on their schools.
Education.com is thrilled to have the PTA's cooperation in promoting the School Reviews Contest! The National PTA's mission is to be a powerful voice for all children, a relevant resource for families and communities, and a strong advocate for the education and well-being of every child. Find your local PTA today and join the largest volunteer child advocacy association in the nation. Education.com attending the National PTA Conference in San Diego, CA last June where we had the opportunity to meet PTA members from across the nation and learn more about the organization's needs and goals. We hope to continue to work with the PTA in the future!
Parents are excited to share reviews on their schools!Wednesday, November 5th, 2008
We are just one week into our School Reviews Contest and parents are already very motivated to share reviews on their children's schools. We have two fantastic examples of school communities working together to provide ample reviews on their schools, they must really want to win that $1000 prize for their school's parent organization!
Parents from Ralph Waldo Emerson Elementary School in Fraser, MI have already submitted twenty informative reviews and counting! Also, check out Fayette Co-Op Nursery School in Lexington, KY. Their school community has provided eleven fabulous reviews so far!
Parents, let's keep those reviews coming! To learn more about the contest and review your child's school, visit the SchoolFinder Review Contest today!
School Reviews Contest on Education.com!Monday, October 27th, 2008
Today we are announcing an exciting opportunity for your school's parent organization to win $1000 in the Education.com School Reviews Contest.
Did you know that your child's school is profiled on Education.com?
Education.com's SchoolFinder tool is designed to help parents research schools. We supply data such as test scores and student diversity statistics, but rely on parent reviews for the bigger, more personal picture. It's easy- the top three schools with the most accepted reviews on December 20th will each win an award of $1000. The prize will go directly to your school's parent organization.
We hope you take advantage of this easy and fun way for you to promote your child's school on Education.com and raise much-needed funds for your school's parent organization. Find and review your child's school and encourage your fellow parents to review today!


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Each Astrabed is made only with all-natural latex rubber, sourced from the Hevea Brasiliensis Tree. These trees produce a milky latex liquid beneath their bark which can be harvested for about 25 years using sustainable methods. All the while, each tree filters carbon dioxide from the atmosphere, making the air a little cleaner.
Our highly controlled manufacturing facility emits no harmful elements into the air, thus we are not required to use any exhaust scrubbers or filtration. Our finished products don't emit harmful vapors either. Astrabeds Latex Mattresses, unlike memory foam, does not off-gas any harmful chemicals or VOC's.
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Our beds offer different firmness levels to ensure the perfect fit.
Enjoy custom comfort and support with layers that can be adjusted or swapped to meet your needs.
All of our mattresses are made in America from top to bottom.
Our beds have no harmful adhesives and feature removable/ interchangeable layers.
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Catching Elephant is a theme by Andy Taylor
Thank you!
Thank you!
Thank you! We're editing away!
What significance does the traditional "coming out story" have in the digital era? Experience the intimate journey and find out.
I'm always wanting there to be more documentation around the experience & phenomena of LGBTQ people. And Coming Out offers an interesting addition - a full, feature-length documentary of someone recording their coming out to friends and family - both before, during and after.
I really want to concur with the trailer here - watching the public face of the community - with the more sexualised and debaucherous elements of Pride at the forefront can really, really make you question what you're about to enter into.
And while you may know almost for certain that everyone you know will be fine with it - paranoia is a powerful force.
Please donate or reblog this link to help increase the number of films recorded around this pivotal point in an LGBTQ person's life.
What significance does the traditional "coming out story" have in the digital era? Experience the intimate journey and find out.
We're funded!!! We're at 102% and the campaign doesn't end till Friday! Thank you all so much for supporting the project either by sharing the link, backing the project, or, especially, submitting your coming out stories!
Feeling good :)
Every part of my coming out of the closet is in a documentary, cleverly titled [COMING OUT](http://comingoutdoc.com/), which explores what it's like t…
Ask Alden anything!
Vote below for this week's Project of the Week.
This is an ongoing list of films that I have seen and that deal with transgender/transsexual/etc. themes. Because there are so many hard-to-find films out there and they could be costly to buy or rent to be able to see, I'm also including a brief impression and review. Every film…


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Riddell New York Giants Revolution Speed Mini HelmetItem Number: 18645096
Price: $29.99
Free Shipping Eligible on Qualifying Purchases Over $49! Up to $15 Shipping Credit. (See Promotion Details)
Product Information
Customer Reviews
No Giants fan's collection is complete without the Riddell® New York Giants Revolution® Speed Mini Helmet. This half-scale replica of the helmets the Giants wear on the field, designed in the modern Revolution® style, is perfect for collecting autographs and displaying your team pride at home or at the office. Make sure everyone knows where your allegiances lie with the Riddell® Revolution® Speed Mini Helmet.
- Miniature replica New York Giants helmet
- Measures approximately 5" tall
- Outfitted with four-point chinstrap and interior padding
- Made to resemble the Riddell® Revolution® model helmet
- Officially licensed by the NFL®
- Riddell
Country of Origin: Imported


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Last Updated
Last Updated
George R.R. Martin
Last Updated
Alternate titles: George Raymond Martin; George Raymond Richard Martin
View History
|Noted publication of Dangerous Women.
|Dec 11, 2013
|Noted that one of the episodes of the television adaptation of Game of Thrones won a 2013 Hugo Award.
|Sep 09, 2013
|Deleted Web site: Martin's awards and nominations.
|Aug 22, 2013
|Noted Martin's writing and production contributions to the television series Game of Thrones.
|Aug 02, 2012
|Added photograph.
|Jun 18, 2012
|Corrected title of A Song of Ice and Fire series, which had been inverted.
|Oct 21, 2011
|New article added.
|Oct 11, 2011


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- Back To School
- Hot Deals
- Guitars
- Bass
- Accessories
- Live Sound
- Keyboards
- Microphones & Wireless
- Recording
- DJ & Lighting
- Drums
- Books/DVDs
- Band/Orchestra
The first lightweight bass cabinet with no compromise in tone. At only 25 lbs (11.34 kg), the SL 112 represents an entirely new path to the world-class Aguilar tone featuring a Neodymium driver with a custom-designed crossover.
Reviewed by 1 customer
Best Uses
Comments about Aguilar SL112 Super Light 1x12" Bass Speaker Cabinet:
I recently needed to upgrade my rig while at the same time downgrading its weight. I picked up the Aguilar TH500 and SL112, and my back is thanking me! Not only that, this setup has such clear sound coming through the speakers. Add the light-weight cab and great sound to a sexy package, and it doesn't get any better. I'm a dyed-in-the-wool Aguilar fan!
SL112 Super Light 1x12" Bass Speaker Cabinet
Aguilar Amplification's DB series of electronics are covered under warranty to the original owner for a period of ten years from the date of purchase against defects in materials and workmanship. AG series electronics, GS series speaker cabinets, and S series speaker cabinets are covered by the warranty for a period of 3 years. Tubes are covered by the warranty for a period of six months.


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The boy band 'N Sync were the recipients of awards for Best Pop Video, Best Choreography and Viewer's Choice.
Singer-actress Aaliyah also scored big, for "Try Again," her hit single from "Romeo Must Die," in which she costarred with Jet Li. She won two awards, as did Bjork and Macy Gray.
The night's other winners included: Jennifer Lopez's "Waiting for Tonight" as Best Dance Video, Sisqo's "Thong Song" for Best Hip-Hop Video and Blink-182's "All the Small Things" for Best Group Video.
'N Sync Heading into the awards, the annual event was heralded as a battle between 'N Sync and Eminem.
'N Sync and Em scored six nominations apiece. Other multiple nominees included the Chili Peppers, Metallica and Sisquo.
This year's awards show hosts were "Scary Movie's" Shawn and Marlon Wayans.
Here's a list of this year's winners:
Video of the Year
Eminem, "The Real Slim Shady"
Viewer's Choice
'N Sync, "Bye Bye Bye"
"Californication" Best R&B Video
Destiny's Child, "Say My Name"
Best Direction in A Video
Red Hot Chili Peppers, "Californication"
Best Rock Video
Limp Bizkit, "Break Stuff"
'N Sync Best Pop Video
'N Sync, "Bye Bye Bye"
Best Hip-Hop Video
Sisqo, "Thong Song"
Best Male Video
Eminem, "The Real Slim Shady"
Best Group Video
Blink-182, "All the Small Things"
Macy Gray Best New Artist in A Video
Macy Gray, "I Try"
Best Video From A Film
Aaliyah, "Try Again" from "Romeo Must Die"
Best Dance Video
Jennifer Lopez, "Waiting for Tonight"
Video Vanguard Award
Red Hot Chili Peppers
Aaliyah Breakthrough Video
Bjork, "All Is Full of Love"
Best Female Video
Aaliyah, "Try Again"
Best Rap Video
Dr. Dre featuring Eminem, "Forgot About Dre"
Best Choreography in A Video
'N Sync, "Bye Bye Bye"
Best Special Effects in A Video
Bjork Bjork, "All Is Full of Love"
Best Art Direction in A Video
Red Hot Chili Peppers, "Californication"
Best Editing in A Video
Aimee Mann, "Save Me"
Best Cinematography in A Video
Macy Gray, "Do Something"


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Resurrection School in East Price Hill is closed Friday due to the flu.
School officials say several students have the flu, so crews will be working to disinfect the building on Friday.
The private school is located on Iliff Avenue.
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Also a fourth is a winnerOct 23rd, 2012 | By hen | Category: President's Blog
With 94 points out of 100, she was selected a number one by a jury chaired by the President of the German Olympic Sports Federation (DSB), Thomas Bach. The most important newcomer award in the German sports was presented during the "Festival of encounter" (Fest der Begegnung) of the German Sports Aid Foundation in Bonn.
As a curator, I support the charitable foundation, enabling young people to participate in the Games since years. Basically I cannot see any difference between the Olympic Games for athletes, including the disabled athletes, and the choral competitions inspired by the Olympic ideal, our World Choir Games. The idea of the perfection of human endeavor in the peaceful and fair competition is a great achievement of mankind. I am totally fascinated ever since.
During the ceremony in Bonn, Werner E. Klatten, the chairman of the German Sports Aid Foundation owned up to the passion as the central motivation for the Olympics. The passion for singing and interacting with others is incidentally the soul of choral singing. Klatten has added: "In Germany, only gold is recognized, but that is not the life performance of the athletes." He further put his focus on the media and thus a public wish to be constantly fed with superlatives and sensations. The former very successful athlete Steffi Nerius expressed her view to a common dominator. "Even fourth are winners!"
Equally as a corrective to the one-dimensional thinking, but "gold" can apply to anything, the German Sports Aid Foundation drew a special attention to junior athletes, who have behaved extremely fair in competition. Passion and fairness – this is the spirit of the Olympic competition, no matter in which sphere. Participation is the ultimate and the highest honor since the revival of the Games by Pierre Baron de Coubertin in modern era.
And there is one more thing: I welcome new approaches of the Sports Aid Foundation in securing professional existence beyond the athletics' career.
With the World Choir Games and our regional competitions we ideally are pursuing this basic idea for a long time. To sing in the choir, in the community promotes social competence of each individual. Team spirit is the modern corporate identity of culture and a basic requirement for anyone who wants to be successful and competetive in the global world. Participate with passion, to be fair, despite the toughest competition. How modern the Olympic idea is!
President INTERKULTUR


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brain health
Health News: Sleep Problems May Be Early Alzheimer's SignNovember 1st, 2012
Sleep disruptions may be among the earliest indicators of Alzheimer's disease according to a recent report in Science Translational Medicine. Working in a mouse model, researchers found that when the first signs of Alzheimer's plaques appear in the brain, the normal sleep-wake cycle is significantly disrupted.
Health News: Concussions and Head Impacts May Accelerate Brain AgingNovember 1st, 2012
Concussions and even lesser head impacts may speed up the brain's natural aging process. Research suggests they may cause signaling pathways in the brain to break down more quickly than they would in someone who has never suffered a brain injury or concussion.
Green Tea for MemoryNovember 1st, 2012
Want to protect yourself against age-related degenerative disease? Try having a morning or afternoon cup of green tea.
Already touted around the world for its cardiovascular benefits, emerging evidence claims the chemical properties of green tea can impact cellular mechanisms in the brain as well.
Brain Food for KidsNovember 1st, 2012
It turns out that kids who are fed a healthy diet during their formative years have a slightly higher IQ.
A recent study of more than 7,000 children compared a range of dietary patterns, including traditional and contemporary home-prepared food, ready-prepared baby foods, breastfeeding, and "discretionary" or junk foods.
Brain Health and the Science of SpiritualitySeptember 1st, 2012
There's a lot of information out there on brain health these days. Most of it is very helpful if you want to improve core brain functions such as memory or even relieve some psychiatric symptoms. Yet, spirituality leads to higher states of experience and maturity, also referred to as psychospirituality.Attaining your highest-possible level of brain health requires an approach that includes psychospiritual development, which in turn, will open up new levels of awareness and vitality.By Jeff Skolnick, MD, PhD
Health News: Bees Can "Turn Back Time" and Reverse Brain AgingSeptember 1st, 2012
Scientists at Arizona State University (ASU) have discovered that older honeybees effectively reverse brain aging when they take on nest responsibilities typically handled by much younger bees.
Health News: How Parkinson's Disease Starts and SpreadsJuly 1st, 2012
Injection of a small amount of clumped protein triggers a cascade of events leading to a Parkinson's-like disease in mice, according to an article published online in the Journal of Experimental Medicine.
Flexing Your Mind's MuscleJune 1st, 2012
This year's winner of the USA Memory Championships (and last year's as well!) proves that both mental and physical prowess do indeed go hand in hand.Nelson Dellis is on top of his game and climbing to new heights--literally.By Cara Lucas
It's All In Your HeadJune 1st, 2012
With the prevalence of Alzheimer's and dementia rising in our society, there is good reason to harbor some anxiety about growing older. However, evidence is emerging that shows the risk of developing these conditions can be dramatically reduced—and the best news is that taking these steps can improve your life right now.A healthy brain can improve your life now and increase the chances of remaining sharp through your golden years.By Craig Gustafson
Health Tips: To Find New EnergyMay 1st, 2012
A new brain study by researchers at Yale University shows that people who meditate regularly are able to switch off parts of the brain associated with anxiety, schizophrenia, attention deficit and hyperactivity disorder, and other problems.Experience the therapeutic effects of meditation.By Dr. Matthew B. James, PhD


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Definition of turbocharge in English:
turbochargeLine breaks: turbo|charge
Pronunciation: /ˈtəːbə(ʊ)tʃɑːdʒ /
verb[with object] (often as adjective turbocharged)
1.1Make more powerful, fast, or exciting: turbocharged business growth
More example sentences
- One way for big companies to grow faster is to use the Web to turbocharge their business.
- Panke's bet assumes turbocharged growth in the second half, prompted in part by the new 5 Series.
- A new, versatile technology standard called WiMax is poised to turbocharge the growing business in wireless alternatives.
Definition of turbocharge in:
- The US English dictionary
Get more from Oxford Dictionaries
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Word of the day hypnopompic
Pronunciation: ˌhɪpnə(ʊ)ˈpɒmpɪk
relating to the state immediately preceding waking up


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HAPPY (belated) BIRTHDAY, BECHNO! \o/
I'm sorry this is so late! I really suck at getting art out on time for certain days. Also I'm not the fastest artist djfhbdbh
I know we don't really talk much but regardless of that I still consider you a friend, and I enjoy our brief chats when we have them very muchly!
You are such a wonderful and talented person, Bec. Your characters and imagination are inspiring, and your personality is both refreshing and uplifting! You are definitely going to go far, buddy c: I'm so happy that I finally got the chance to fanart one of your awesome characters! Drawing Ramona was really fun!
Again, I'm sorry this is so late but, I hope you had a wonderful Birthday and that the rest of this year turns out to be a great one!
*hugs* /owo/ <3
Ramona (c) BechnoKid
Pokemon (c) Gamefreak, Nintendo
art and concept (c) Red-Hime (me)


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United Kingdom Houses or Yachts(3,568)
3,568 Results
Special Offer! £20 per night off October, November, December Bookings October 1 - December 31
Special Offer! Special Autumn Offer - 20% discount on new bookings September 24 - October 18
United Kingdom
Recent United Kingdom Reviews
Fab hols.
Arrived very early but Jeff and Bev were very kind and let us dump our luggage off and had arranged parking permits for our son's car, this in itself is a massive plus for a family staying in London as it is rare to find a property with this benefit. The house was as described ( in my opinion also rare!! ) Our family consisted of 4 adults and 2 grandsons and there was plenty of space for all of us. Wonderfully stocked cupboards and so nice to have the fridge stocked with essentials, especially after a long journey. Literature on the sights, local supermarket and buses on the doorstop - this was great for me as I don't do tube and my Grandsons thought going on a bus was fantastic fun. Location great and nothing was to much trouble, Bev and Jeff even supplied mobile phones to contact them in the event of emergencies which must be amazing for overseas visitors. So many extras at the house - dressing gowns, slippers, shampoo & conditioner, shower gel, nice towels and hairdryers, x box and good selection of books and games, better than most Hotels we have stayed in when visiting London. If you are looking to visit London with your family this is ideal, very reasonably priced and you can get the kids to bed after a long day and relax - Jeff and Bev even brought us a bottle of wine because the outside light wasn't working - what more could you ask for - perfect holiday and hosts. Thank you very much from all of us.
Very impressed by the house
I stayed here for a week with my wife and my parents and we liked it very much, especially for how much space we had inside it, and because my parents are in their 60s, they really appreciated being in a quiet area without the buzz that's typical for central London! The patio was another big plus- we spent our mornings and late evenings there chatting over a glass of wine. Great transportation links as well, we managed to visit all central London very easily. All in all, we really enjoyed our stay in this house, and will recommend it to our friends! Thanks Johan!
Great location
My friends and I came from up north and chose this apartment mainly for its location (one minute from Harrods) but were very impressed by the apartment itself: clean, bright and spacious, with everything we needed within. Cheers, Johan- we'll call you again soon!


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"China's Facebook" Renren to IPO Soon: Strengths and Challenges
Renren.com (人人网) filed F-1 for IPO to the U.S SEC on April 15, the first major step in the road to an IPO on the New York Stock Exchange as "RENN". So how will Renren fare?
Renren is China's largest real-name social network, created by Wang Xing back in late (December) 2005. It was initially a clone of Facebook called Xiaonei (校内), with college students as the main users just as Facebook was before opening to all.
Wang Xing and his team sold Xiaonei to Oak Pacific Interactive (OPI) for somewhere between $2 and $4 million. The IPO targets a valuation of approximately $4.3 billion, so I'd imagine Wang Xing probably has a few regrets. The Japanese firm Softbank, in turn, holds a 35% stake in OPI. In August 2009, Xiaonei launched a new domain and changed it's whole branding to Renren, in an effort to expand beyond campus. For an overview of Renren, including the data from its F-1 filing, see: Renren Inc. in 25 Slides.
Inside Renren's Stats
In December 2008, December 2009 and December 2010, the number of our monthly unique log-in users was approximately 17 million, 22 million and 24 million, respectively. In March 2011, we had approximately 31 million monthly unique log-in users. (Renren Inc. F-1)
That's significantly lower than data from CNNIC and iResearch, which claims 87 million and 95 million monthly active users, respectively. The CNNIC and iResearch data, used by Renren in business development presentations, has a different definition of "active" or is simply inaccurate.
At the end of 2010 iResearch had Renren at 95 million active users, while Renren itself reports 24 million, nearly a 4x difference. Clearly, our earlier TechRice adage applies: "there are lies, damned lies, and Chinese statistics."
The following are extracts from reports Renren provided us, that shed more light on the Renren's competitive position:
Top left: At the end of 2010, Renren held 36% market share in real-name China SNS (excludes Qzone), leading its next closest competitor, Tencent Pengyou by 13.5%, and far ahead of Kaixin001.
Top right: Renren also claims the highest user loyalty, meaning 70% of users are unlikely to shut down their Renren accounts to join another SNS service.
Bottom: Future user usage frequency, 60% of users stated that they will spend same of time in Renren as they are now, 15.9% vote they will spend more time, 20.2% vote for less time, and 3.7% unsure.
Revenue: Social Ads
In 2008, 2009 and 2010, online advertising accounted for 49.2%, 39.4% and 41.8%, respectively, of our total net revenues. Consequently, our profitability and prospects depend on the continuous development of the online advertising industry and advertisers' allocation of an increasing portion of their budgets to social networking websites in China. (Renren Inc. F-1)
Renren is without exaggeration the most profitable social network in China, specializing in social advertisements. Renren provides customized social ads for big brands through fan pages, mini-sites, flash banner ads, and embedded ads in social games. Here's an example of Renren's social ad campaign for UNIQLO.
Part of Renren's advantage is that its user income levels are considerably higher than the general internet population in China.
Challenges for Renren Ahead
Renren still faces fierce competition in SNS [see overview of China's top 15 social networks] and product development challenges on its road ahead.
1) Chinese Super Microblogs
Microblogging is not a theoretical danger to SNS in China, but rather already so serious a threat that SNS sites are "dying" due to the rapid expansion of microblogs. Since Sina Weibo's launch back in late 2009 both Sina and Tencent have reached 100 million registered users. Weibo is not only gaining users, but more importantly controlling time spent online as consumers are constantly updating their Weibo and digesting other user-generated contents.
And Chinese search giant Baidu, the Google of China, recently announced that they are revamping Baidu Talk, their earlier social networking product, into Baidu Weibo.
2) Tencent & Zynga Cooperation, New Competition in Social Gaming
The F-1 filing mentions that social gaming is a core business for Renren. Now Tencent is rumored to have a deal with Zynga to import CityVille to China, one of the top ranked social games on Facebook. From initial reactions, this seems to be a move against Kaixin001′s Happy City. But, looking at the bigger picture, it's much more of a significant threat to Renren's Game Center.
3) Product Development Challenges
Renren in F-1 identified itself as the standard-setter of social networking user experience:
Our market leadership stems from our track record of innovation and our pioneering role in China's social networking service industry. We believe many features and functions that we introduced to the China market have improved the quality of our user experience and have subsequently become standard throughout the industry.
Yet Renren has continuously been outperformed by Chinese microblogs in some of the key features that are revolutionary to online behavior in China. For example, microblogs allow users to watch embedded multi-media contents on the same web page while Renren still redirects the user to a separate page for viewing. Lately Renren has, like Facebook, even adopted the "@" mention function popular on microblogs.
To be more direct, an investment manager from Innovation Works in Zhihu wrote:
Renren lacks understanding to grasp users' real needs, which they haven't solved yet. [link]
Renren is largely a clone of Facebook that has not reached the technological complexity of Zuckerberg's original. Renren's profitability is impressive, but all SNS are also constantly challenged to provide a higher quality user experience. In China, that improvement is currently being accelerated primarily by Sina Weibo.
http://Lawrence.im Lawrence
I m amazed $REMN is gonna IPO @ a rather high value than I expected, investors never notice the decreasing number of visitors comparing with $SINA weibo?
http://twitter.com/technobaboy technobaboy
if there's anything we can get from any of this, it is the fact that chinese are as social as everybody else in the world http://bit.ly/gDUzFg
http://pulse.yahoo.com/_ZU4ZBITWRHZZQCTZLTMDQ4MQMU Don B
Renren has many Chinese users, but most expats still prefer Facebook. Facebook is blocked in China, but you can use a proxy or VPN service like http://www.highspeedvpn.com/ to unblock it..
Eyeuser.com – A new innovation where your EYES are all you need to navigate on this site.
We are the first to introduce EYEING and EYERS.
EYERS are users EYEING your profile. When you EYE a user's profile, you are 'EYEING' that user.
We are the first to have two platforms in one.
1. Initiate a friend request to a user and wait to be accepted by the user.
2. EYE a user and automatically receive updates from that user, this makes you an EYER.New innovation from a social network.
Eyeuser have also provided FREE emailing system for users, example: email@example.com
Daena Meyer
There's an amazing contest application that
you can put on your Facebook page, simple, cheap and easy to use:
http://toptabapp.com/?r=4, my favorite!
cohen moles
I've heard a lot about Renren and I think it has good reason.
Submit Tips:
tips [at] techrice [dot] com


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Gretzky is denied.
Gretzky is denied.
Traditional powers advance.
Aww, look at this beautiful French girl.
God fucking dammit, America.
There's a new viral trend sweeping across the European mainland and it's all about hating Jewish people.
French fries are nothing to joke about -- even in France.
This French restaurant worker couldn't be more skittish.
The jokes really write themselves on this one.
Tony Stark lives here.
And the best part of a bunch of video game characters having sex.
With all the hubbub over the PS4, it was easy to almost miss Fox News' latest salvo against video games.


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John Alfred Walker, MD, FACP
Dr. John Alfred Walker was honored at the 2005 New Jersey American College of Physicians Scientific Meeting, as the recipient of the College Laureate Award. Dr. Walker is a graduate of Suny Health Science Center of Brooklyn and underwent fellowship training in nephrology at Albert Einstein College of Medicine. He is a Professor of Medicine at Robert Wood Johnson Medical School where he is director of the nephrology-training program. He was advanced to ACP fellowship in 1988. He has served on the New Jersey ACP council for fourteen years and in that capacity has directed our chapter's summer preceptor program for medical students. This year he was appointed Chair of our chapter's Health and Policy Committee. The Chapter Laureate Award is presented to a Member, Fellow, or Master who has provided service to his community or chapter and demonstrates a commitment to excellence in medical care, education, and research. Dr. Walker is the embodiment of these attributes; the council congratulates him on his accomplishments.
What's New
Contact Information
New Jersey Northern Chapter Governor:
Beth R. Nalitt, MD, FACP
New Jersey Southern Chapter Governor:
Steven R. Peskin, MD, FACP
Chapter Staff:
Executive Director
Stacey Knowles
Ph: 732-261-2901
E-mail address
New Jersey Chapter's mailing address:
91 Nathan Blvd
Parlin, NJ 08859


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You don't pay for tutoring
unless you find a good fit!
Andrew S. has not yet had a background check. After sending a message to Andrew, you will be able to order a background check for $7.99. The check will be processed by First Advantage. For more information, please review the background check information page.
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Andrew is an excellent tutor. He is flexible and prompt in returning e-mails. I recommend Andrew if you are looking for a bright, focused, articulate individual who is easy to communicate with and has compassion for your student. You can tell he really enjoys helping others.
I had my last semester in college and had to take a lot of credits before I graduate. Andrew has helped me a lot on my Econ and regulation class. We had several sessions over Skype during which, he helped me to work on the outline for my final paper. My professor was tough, so I had present some really smart ideas in content. We did very well brainstorming together and wrote an outline for the paper. It saved me a lot of time. I had to only to develop and fill in the outline with already discussed things. Second time he helped me when I had to do an assignment for my other Econ class. I was running late on deadline this time. Andrew traveled to Fairfax and we had another couple of sessions in person. He is very professional and dedicated to the work. Instead of assigned hour he stayed with me for the three and half (!) hours till we finished the work. It meant to me a lot! He went above and beyond while helping me with the assignment. Thanks a lot to him I finally graduated. Talking about the level of knowledge in Economics, he knows Econ well. I would definitely recommend him as an Econ tutor. Very knowledgeable, helpful, professional and dedicated.
I had the pleasure of working with Andrew over Skype on a paper for my Criminal Justice class. While I was initially hesitant to work on the paper over Skype, Andrew's professionalism put me at ease. He is by far the best tutor I have ever had. I felt confident and proud of my paper when I handed it in. I have recommended him to all my friends. If you need professional quality help with any subject reach out to Andrew.
Before I signed up for 8 sessions of GRE math tutoring with Andrew, I had selected a textbook prep course to better prepare myself for the exam in hopes of scoring higher to qualify for a potential scholarship into a PhD program. My biggest challenge was the math portion and, specifically on a timed test, I knew I would struggle with the concepts, calculations and overall pressure of the quantitative sections in particular. I selected Andrew as my tutor given his current pursuits, his availability and the quickness with which he responded to my original request. I was grateful that he was already familiar with the methodology of the prep course I had chosen. I have always struggled a bit with math - my frustration may have been evident during a couple of our sessions - and though I'm not planning to study math at the graduate level, I had to be successful. Andrew showed me the ins and outs of how the exam tries to trick or trip up a test taker and specific problem types upon which to focus. He gave me resources to use to practice the test and homework assignments, and consistently reassured me that I would do just fine. When I took the test, I was shocked at how well I had done on both sections. I definitely exceeded my expectations, and I sent my scores to my top school choices without hesitation. Thanks so much for 8 worthwhile hours of tutelage!
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