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text: Before I begin writing my prose here (I'd shy away from the word review, because I don't intend to reach any conclusion other than, hopefully, to pique your curiosity), head over to the New Star Soccer homepage and download the trial. Actually, if the word 'soccer' in the title immediately fills you with horror (and not because it's what our American cousins would call a kick-about) then ignore that. Let's simplify: if you like football, go download the very generous trial. Give it a fair go, and then if you like it, do cough up the cash and support the…


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The Balkan Peninsula forms the southeast part of Europe, a region where different cultures, languages and ethnicities abound. Slovenia, Croatia, Romania, Serbia, Montenegro, Bulgaria, and Greece share similar historical influences. Fabulous scenery and the exotic weave of history and cultures in the Balkan Peninsula make it a traveler's treasure chest.
Slovenia plays its Mediterranean card with old cities baking in the sun, surrounded by vineyards, orchards and olive groves. Indulge your love of alpine scenery and sports, explore dramatic caves, or relax at one of Slovenia's renowned thermal spa resorts. The blend of Italian and Hungarian influences in the kitchen will tempt you to sample new dishes throughout your visit. At least one of these meals should be taken lazily at a riverside café in the charming old center of Ljubljana.
Croatia's coastline is simply stunning, with more than 1,000 islands scattered along its length. Think you can pick a favorite? Start on the lovely Istrian peninsula and work your way south, visiting fantastic historic cities such as Trogir Split, and Dubrovnik. Rightfully called "the pearl of the Adriatic", ensconced in city walls curving along the shore, Dubrovnnik makes a striking contrast between the brilliant blues of the sky and the water. Plitvice Lakes National Park is a beautiful place for lush scenery –and when you're ready to exchange natural beauty for some urban buzz, head for the capital city of Zagreb.
Romania's colorful past is only outdone by its colorful present. Did you know that you can see a pre-Roman fortress, painted Byzantine monasteries, the "little Paris" belle époque Bucharest, and one of Europe's most amazing wetlands, all in one country? Situated at the northernmost reach of the Balkan Peninsula, Romania has attracted many different peoples, thanks the strategically important Danube River and the Black Sea coast. The most popular Romanian legend is of Count Dracula and Transylvania, an area replete with fairytale castles and unique medieval towns. Outdoor activities abound, both in the Danube delta, with its amazing bird population, and in the mountains, where winter sports enthusiasts and wolves, bear, and lynx all play - but not all together.
Sapphire sea, bright blue sky, brilliant white beach, and deep green forests… you're in Montenegro. In a country of ever so manageable a size, you can peer at the bottom of one of Europe's deepest canyons, scan the sky for the residents of one of Europe's largest bird sanctuaries, or take up your own spot on a beautiful beach and gaze at the horizon. History goes way back here: the city of Budva is thought to be the oldest settlement in the Balkans: its founding is described in Greek mythology. The ancient city of Kotor has particularly well preserved city walls and medieval monuments – a perfect place for a stroll between delicious samplings of Montenegrin specialties.
Serbia typifies the allure of the Balkan Peninsula: down the road from an important ancient monument will be a city humming with modernity and the "cutting edge of cool". Belgrade has been Serbia's capital for 600 years, and has the architecture to prove it, but is known as a city that sleeps less than New York! Novi Sad is smaller, but a capital for the arts, attractive to all kinds of modern artists. Serbia's history is palpable at sites such as the Roman Palace of Galerius or one of several beautiful medieval monasteries. Take a break for relaxing or invigorating treatments at a banja (spa), and take advantage of the natural hot springs.
Thracians, Romans, monks and farmers have all left an important imprint on Bulgaria. On one extreme are the refined carvings of the Thracian Tomb of Sveshtari , so dignified and controlled. At the other end of the spectrum are the wonderfully expressive festivals and music that permeate Bulgarian culture, its inheritance from centuries of agricultural traditions. Bulgarian choirs are famous worldwide for their eerily mesmerizing sound. Other sites and experiences to enjoy in Bulgaria include the fabulous painted monasteries, popular Black Sea resorts and restorative health spas. Dipping into the wine country has its merits: Bulgarians have been winemakers for centuries and are happy to introduce you to the fruit of their labors – in its appealing liquid form.
Greece, a land of ancient, Western world-shaping history, rich Orthodox religion, famous beaches, sun and sea and bright Mediterranean flavors – when are we going? Astounding archeological sites are par for the course in Greece, bringing mythology alive: Mount Olympus, home of the Greek gods, Ithaca, the island of legend where Ulysses reigned, or the Oracle at Delphi barely begin to tell the stories. The Acropolis in Athens will give you a visceral sense of the scope of Ancient Greece. Go north to the Pindus Mountains, steep, green, and gorgeous, as a counterpoint to your time at the seaside. Enjoy rambling, bird watching, or visiting traditional villages of a different nature than the coastal fishing villages.
The wild and woolly Atlantic rolls ashore on many coasts.
Central Europe is eager to welcome you to discover its treasures!
Dramatic scenery, winter sports, the northern lights and the midnight sun, saunas, and reindeer.


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It's good to be king of your own little town. You have your own way and get a feeling of peace at the end of the day. Life's always a song, but in the City Crown tee from Neff, it'll be a smash hit. This basic fit tee features a crown graphic with city buildings as fill, "Kings of the Streets" lettering printed beneath it, and Neff branding planted between "East" and "West" below that. The world swings with you as king — all you need now is a sweet little queen.
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Main Site - :: Why Won't God Heal Amputees? ::
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Actually it doesn't. One could conceivably be all-powerful but not exceptionally intelligent.
Being a Christian, I've made my decision. That decision offers no compromise; therefore, I'm closed to anything else.
The highest moral human authority is copied by our Gandhi neurons through observation.
I've really had it with these hypocrites.
"I'm doing science and I'm still alive."--J.C.
Oh for fuck sake. And people still fail to realise that these people are charlatans and hypocrites? How can people still have trust in these anti-gay lobbyists? [snipped]
Just to be clear, people do realise this is a case of paedophilia and incest, and NOT homosexuality, right?
Except for the part where she had sex with her daughter, it's incest, paedophilia and homosexuality in one. The sad thing is people will use that as ammunition again homosexuals.


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Scottish Rugby and its partners have a wide range of initiatives to help grow the game in Scotland, and assist clubs to develop their facilities or obtain funding.
The Scottish Government will invest £3.65m, recovered from the proceeds of crime, in Scottish rugby club activities and facilities from 2011 to 2014. Clubs applied for grants of up to £50,000 to improve their facilities.
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text: Kenwood KFC-W12DVC Performance Series 12" subwoofer with dual 4-ohm voice coils Zoom Front Back Photos Videos My vehicle's homepage We don't check this item for fit or compatibility. Item #: 113KFCW12D Review Summary 2 people say In Stock Free Crutchfield lifetime tech support Free Shipping Your price $69.99 Add to cart + Add to wishlist Email me alerts for this product Buy this item and earn up to 70 Rewards points See more offers and ways to save Special Financing Available x By buying this product you'll earn up to 70 Rewards points. When you sign up for a Crutchfield account, you'll be enrolled in Crutchfield Rewards. You'll earn one point for every dollar you spend on gear from us. You can turn your points into Rewards Cards that you can use toward future purchases. You can sign up for an account now, or after you complete your purchase (you'll get credit for the points either way). Sign up for a Crutchfield account Overview Details Customer Reviews Q&A Articles & Videos Accessories Our take on the Kenwood KFC-W12DVC by John Pollard What's a component sub and why would I want one? A component sub is simply a speaker that's designed to reproduce bass once it's installed in a compatible enclosure. Think about the impact of a movie soundtrack in a big theater or even in your own home HDTV setup. A component sub can add the same kind of power to the music in your car. And a car sub is not all about the boom that you hear on a street corner (although that's cool too) - you can pair a component sub with your choice of enclosure to get bass just the way you like it, from tight and punchy to fat and loose. And once you experience music in your car with a well-tuned subwoofer, you'll never go back. Redesigned for better bass Kenwood designed the KFC-W12DVC subwoofer to deliver tighter, more focused bass, while requiring less power. So what's this mean to you? You'll get really strong bass from a sub that's nimble enough to keep up with the upper notes of a bass guitar, yet efficient enough to run with moderate power. But this subwoofer will handle up to 250 watts RMS, so it will definitely move some air when you want it to. You can wire the sub's dual voice coils for either 2-ohm or 8-ohm total impedance, and that gives you a lot more flexibility if you add another KFC-W12DVC down the road. Built tough Kenwood's "Diamond Array" pattern strengthens the polypropylene cone, helping it to maintain its shape when you're pushing the bass hard. The lightweight urethane surround is treated to resist damage from heat and humidity. Throw one or two of these Kenwoods into an enclosure, provide plenty of power, and your music will have the punch it needs for a long, long time. To drive this single subwoofer, we recommend a mono amplifier rated between 200 and 375 watts RMS at 2 ohms. For more information, please refer to our article on How to Match Subwoofers and Amplifiers. See more info on this item Highlights:12" subwoofer with dual 4-ohm voice coilstextured polypropylene cone with urethane surroundpower range: 50-250 watts RMS (125 watts RMS per coil)peak power handling: 1,000 wattsfrequency response: 36-300 Hzsensitivity: 85 dBtop-mount depth: 6-1/4"sealed box volume: 1.25 cubic feetported box volume: 1.5 cubic feetwarranty: 1 yearOur 60-day money-back guarantee Hands-on research from the Crutchfield Labs (what are the Labs?) Features and specs chart | What's in the box? | In-depth notes Features and Specs Size 12 -inch Impedance 4 ohms Cone Material Polypropylene Surround Material Foam Ideal Sealed Box Volume (cubic feet) 1.25 Ideal Ported Box Volume (cubic feet) 1.5 Port diameter (inches) N/A Port length (inches) N/A Free-Air No Dual Voice Coil Yes Sensitivity 85 dB at 1 watt Frequency Response 36 - 300 Hz RMS Power Range (Watts) 50-250 Peak Power Handling (Watts) 1000 Top Mount Depth (inches) 6 1/4 Bottom Mount Depth (inches) 6 15/16 Cutout Diameter or Length (inches) 10 15/16 Vas (liters) 67.2 Fs (Hz) 29 Qts 0.6 Xmax (millimeters) 7.35 Parts Warranty 1 Year Labor Warranty 1 Year Product Research What's in the box? Download owner's manual One 12" Dual 4-ohm voice coil subwoofer Eight 1-3/8" Self-tapping screws Safety instructions Warranty information Template Specifications on box lid Our Product Research Team At Crutchfield, you'll get detailed, accurate information that's hard to find elsewhere. That's because we have our own in-house Product Research team — they open the box, verify contents, check the owner's manual, and record dimensions, features and specs. We stay on top of new products and technologies to help people make informed choices. Features Enclosure Compatibility Features Dual 4-ohm Voice Coils: This woofer features two 4-ohm voice coils that offer wiring flexibility. When the voice coils are wired in parallel, the woofer presents a 2-ohm load. When the voice coils are wired in series, the woofer presents an 8-ohm load. Long Stroke Design: The pole piece has been extended to provide a more linear magnetic field for woofer operation. This lowers distortion and provides the woofer with better low frequency response. Double Stacked Magnet: The stacked magnet assembly is used to create a powerful linear motor with increased excursion capability for superior bass output. Spring Terminals: The wire terminals are spring posts. They will accept pin connectors, single banana plugs, or bare wire up to 10 gauge. Enclosure Compatibility Sealed Box: Kenwood recommends a sealed enclosure with an optimum internal volume of 1.25 cubic feet (from 0.75 to 1.75 cubic feet is acceptable). Sealed enclosures provide the most control over a woofer, will handle a lot of power, and provide accurate sonic reproduction, making them suitable to all types of music. Ported Box: Kenwood recommends a ported enclosure with an internal volume of 1.5 cubic foot (from 1.0 to 2.0 cubic feet is acceptable) using a 12-3/4" x 1-1/2" x 21-1/2" slot port. Ported (or vented) enclosures typically provide better overall efficiency than sealed so they are suitable for use with smaller amplifiers, giving you more bass output from less power. However, this efficiency comes at the expense of very low frequency output. Review this product Submit a review and then enter to win a $500 rewards card Kenwood KFC-W12DVC Reviews Average Customer Review: 2 people say: Review this product: Thanks for taking the time to share your experiences about this product. Please be sure to focus your comments on the product itself. Read our Review Guidelines for more information. Review title * Email Your email won't be visible. Please use the email address that is associated with your order. Display name (e.g., JohnD) Your review will be signed using the display name and location * Your location (e.g., Charlottesville, VA) * Your rating Click on a star to rate the overall product on a scale of 1-5 Rate the following specific attributes Value Sound Quality Ease of Use "Coolness Factor" Build Quality 1500 characters left * Your review Attach a YouTube Review Crutchfield Video Review Guidelines Only submit videos that you made or are authorized to use. Do not submit videos that contain music, video or visuals that are copyrighted and belong to someone else. Please see our Review Guidelines for more information. Submit the URL of your YouTube™ video review or product demonstration. e.g., "http://www.youtube.com/v/o79TWHh598U" 500 characters left Pros 500 characters left Cons * Agree to Terms By checking this box you agree your review becomes the property of Crutchfield, that you are over 18 years of age, that you own or have owned this product, and that you are located within the United States or its territories. Please see our Review Guidelines for more information. We reserve the right (but are not obligated to) review all submissions and edit or remove any review in any manner which we deem necessary. Your review should be posted within seven days. Filter by rating: 5 Star: (0) 4 Star: (0) 3 Star: (0) 2 Star: (0) 1 Star: (0) 4 out of 5 Not a single complaint Written By Steven, Rathdrum, ID on Wednesday, July 23, 2014 Crutchfield Customer Review (What's this?) I really like how easy it was to wire my Kenwood subs into the box itself. All it took was a quick squeeze and shove and I was done. The sound is awesome and I couldn't wish for a better 12" sub. Pros: Sound quality, easy installation, and an overall great purchase. Cons: The only thing I have is that I wish it had a little bit larger responding range. 1 out of 1 people found this helpful Was this review helpful? Yes | No "Coolness Factor" Build Quality Ease of Use Sound Quality Value 5 out of 5 kenwood 250rms Written By josh, kingsport,tn on Sunday, February 09, 2014 These subs are amazing for the price put them in a dual ported box andyour car will shake im running 300 to each sub and there amazing Pros: Hard beats to make the car shake Cons: After 300 watts to each sub you will run the chanxe of blowing the subs Was this review helpful? Yes | No "Coolness Factor" Build Quality Ease of Use Sound Quality Value Add accessories for the Kenwood KFC-W12DVC Add Accessories Add a Warranty We've verified that these enclosures are a good match for this subwoofer. See all categories & accessories We've verified that these enclosures are a good match for this subwoofer. Empty Enclosures It's critical to have good wire, and none is included with the sub. Speaker Wire Reduce ambient road noise and your vehicle's "rattles," for better sound inside your car. Sound Deadening Add a grille and keep your sub safe. Subwoofer Grilles These can be useful if you are building a custom box. Build Your Own Subwoofer Box Tools Professional Subwoofer Installation Other Car Stereo Accessories Sound Ordnance Bass Bunker Sealed single 12" subwoofer enclosure (Model BB12-125S) 26 people say Your Price: $59.99 Add to Cart Sound Ordnance Bass Bunker Ported single 12" subwoofer enclosure (Model BB12-150V) 30 people say Your Price: $59.99 Add to Cart Sound Ordnance Bass Bunker Sealed dual 12" subwoofer enclosure (Model BB122-125S) 22 people say Your Price: $79.99 Add to Cart Sound Ordnance Bass Bunker Ported dual 12" subwoofer enclosure (Model BB122-175V) 49 people say Your Price: $79.99 Add to Cart Sound Ordnance Bass Bunker Sealed single 12" subwoofer enclosure (Model BB12-95S) 21 people say Your Price: $59.99 Add to Cart Sound Ordnance Bass Bunker Ported single 12" subwoofer enclosure (Model BB12-200V) 45 people say Your Price: $69.99 Add to Cart Sound Ordnance Bass Bunker Ported dual 12" subwoofer enclosure (Model BB122-125V) 17 people say Your Price: $79.99 Add to Cart T-Spec 12-gauge Speaker Wire Black/white jacket priced per foot 29 people say Your Price: $1.99 Add to Cart T-Spec 16-gauge Speaker Wire Black/white jacket priced per foot 13 people say Your Price: $0.69 Add to Cart Stinger PRO Series Speaker Wire Priced per foot (16 Gauge) Options 16 Gauge-$0.39 14 Gauge-$0.65 Priced per foot (16 Gauge) Priced per foot (14 Gauge) 50 people say Your Price: $0.39 Add to Cart Dynamat Xtreme Wedge Pack 1 sheet, 4 square feet 7 people say Your Price: $39.99 Add to Cart Dynamat SuperLite Tri-Pak Triple package 3 sheets, 12 square feet (Model #10612) 17 people say Your Price: $69.99 Add to Cart Dynamat Xtreme Trunk Kit 5 sheets, 20 square feet 13 people say Your Price: $169.99 Add to Cart Dynamat 19100 License Frame Kit 15 people say Your Price: $14.99 Add to Cart Dynamat Dynaliner One 54" x 32" sheet (1/8" thick) 6 people say Your Price: $69.99 Add to Cart Speaker Grilles (12" waffle style) 42 people say Your Price: $9.99 Add to Cart Polyester Fiber Stuffing Make your subwoofer think it's in a bigger box (1-pound pack) 35 people say Your Price: $12.99 Add to Cart Metra Speaker Terminal Round terminal cup with binding post connectors (for do-it-yourself box builders) 13 people say Your Price: $9.99 Add to Cart Corner Protectors 5 people say Your Price: $9.99 Add to Cart Metra Speaker Terminal Square terminal cup with binding post connectors (for do-it-yourself box builders) 7 people say Your Price: $9.99 Add to Cart Rubber Feet 4 people say Your Price: $5.99 Add to Cart Metra Speaker Terminal Round terminal cup with spring clip connectors (for do-it-yourself box builders) 6 people say Your Price: $3.99 Add to Cart Springback Handle 2 people say Your Price: $9.99 Add to Cart Metra Speaker Terminal Square terminal cup with spring clip connectors (for do-it-yourself box builders) 7 people say Your Price: $3.99 Add to Cart Grille Clamps (Front/top mount clamps) 15 people say Your Price: $3.99 Add to Cart S&G Wire Cutter/Stripper Tool Cuts and strips 12- to 22-gauge wire 15 people say Your Price: $19.99 Add to Cart InstallCard: Subwoofer Prepaid installation card for one component subwoofer or non-powered subwoofer enclosure Your Price: $44.99 Add to Cart Autosound 2000 Disc One Low Frequency Test CD (Disc One) 1 person says Your Price: $19.99 Add to Cart Why choose SquareTrade? The #1-Rated Protection Plan Thousands of people have reviewed SquareTrade Protection Plans — and made us #1. 5-Day Service Guarantee & Free Shipping We'll repair or replace your item in five business days or less after we've received it, or your plan is free. And, as always, we pay for all shipping. Protection from Normal, Everyday Use Repairing your average mechanical or electrical failure can cost as much as buying a new device. With SquareTrade, you're covered — including parts and labor. 3 Year Protection Plan Your Price: $10.99 Add to Cart For a more in-depth review and enhanced detailed information on the Kenwood KFC-W12DVC, please visit the Crutchfield website product page (/ISEO-rccbcspd/p_113KFCW12D/Kenwood-KFC-W12DVC.html ). × Front Back Searches related to the Kenwood KFC-W12DVC Performance Series 12" subwoofer with dual 4-ohm voice coils Kenwood Kenwood Component Subwoofers Component Subwoofers under $100 Kenwood KFC-W12DVC reviews Kenwood KFC-W12DVC vs JL Audio 10W0v3-4 Kenwood KFC-W12DVC vs Kicker 10C124 Kenwood KFC-W12DVC vs Pioneer TS-W254R Kenwood KFC-W12DVC vs Infinity 1260w


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Getting ready to nail Dodd-Frank mortgage changes before you get nailed
Don't wait for the regs—start talking to H.R., Legal, Operations now!
- |
- Written by Lucy Griffin
- |
- Comments: DISQUS_COMMENTS
Watch for Lucy Griffin's September ABA Banking Journal magazine special article in "Compliance Clinic" about the new Bureau of Consumer Financial Protection, "New Cop On The Banking Beat."
If you are feeling exhausted from all the recent changes in regulations, you can finally look forward to ... more exhaustion.
Title XIV of the Dodd-Frank Act is the Mortgage Reform and Anti-Predatory Lending Act. This mortgage reform act addresses all of the known predatory lending practices, and even addresses a few that haven't been put into practice yet.
Some of the practices addressed in the mortgage reform act reiterate recent legislative actions and regulations. For example, one provision of the act basically repeats the requirement of the S.A.F.E. Act-with a few modifications.
Other provisions of the mortgage reform act are new. The most notable-and potentially wide-reaching-provision is the prohibition of compensation based on point spreads or rates charged on loans.
Don't wait for the Bureau! Pain is just around the corner
Regulations dealing with these issues will be coming your way for the next several years. The real onslaught will begin when the Bureau of Consumer Financial Protection is established. But don't think for a minute that you can sit back and wait until then. Several agencies-most notably the Federal Reserve-have the authority to get regulations underway immediately. The revisions to Regulation Z addressing real estate-secured loans are in process and we could see a final version any day.
It is time right now to plan ahead, consider how to address or respond to these issues, and to have a time-line in mind. All of your plans, including the time line, can change based on how regulations evolve, but you will be ahead of the process if you plan ahead-and be prepared to revise those plans.
Multi-functional approach helps: Start with H.R.
Working on coming changes will involve several departments and business lines within your bank.
First, the S.A.F.E. Act is coming. The final rule has been published and will take effect 180 days after the agencies announce that the registry is ready. Preparation for this should be in process, and your partner should be Human Resources.
While you have H.R. working with you, bring up the topic of the coming compensation changes. If your bank pays commissions based on anything other than the loan amount, the system will need to be restructured. Again, get ahead of the game by working on compensation structures. If your lenders are all on salary or commissions based on loan amount, it is still important to look around to see what is changing and how it may impact your lenders.
There are other things to work on with H.R.
Hiring procedures should take into account the history of an individual applicant which will be available on the registry. While H.R. is paying attention to the registry issues, you might as well go for broke and discuss the qualifications for the job of loan officer and the process of hiring them. And, of course, put in a good word for considering the compliance performance of each loan officer during their performance reviews. This is an opportunity to get compliance built into the personnel management process.
Training is another area where H.R. may be involved. In addition to revision of loan policies with regard to loan steering, price negotiations, and homeowner counseling, any changes to these practices will have to be covered in training for lenders. If HR manages training (or has a bigger training budget than you do) it is time to get them working on new training.
Send in the lawyers
There is also work to be done with Legal. Several provisions in the mortgage reform act call for changes to notes and mortgages. The act prohibits clauses such as mandatory arbitration and waiver of consumer protections granted under state laws.
(Now, lawyers can be very proud of the documents they produce, so go about this gently.)
When regulations come out, this won't be a choice. Instead, present this to your legal eagles as a way to be ahead of the game.
The biggest area to be working on is the design and delivery of mortgage products. The nature of the changes will involve much more than revisions to disclosures and the disclosure process. The changes will require careful attention to product design and delivery.
Many of these changes reach into the substance and features of the product, rather than merely requiring you to disclose those features. Some of the new rules will restrict terms or loan features that you can offer, while others will affect loan underwriting and product design.
Start with the definition of "Qualified Mortgage."
This will involve categorizing mortgage products by rate spread, total points and fees, and amortization. The definition will become the pivot point for loans that are plain vanilla and loans that will be subject to additional rules. All product design should start from this definition point.
Loan features such as prepayment penalties and features prohibited under Section 32 and higher-priced mortgage loans should become a part of product design. Anyone planning a new product or even a new promotion of a product needs to consider these prohibitions and triggers.
Disclosures will also be revised-although we know that is coming anyway. The reform act adds a few disclosures to the current list. The good news is that the Bureau is directed to develop a format that provides both TILA and RESPA information. There would be one disclosure, rather than the TIL and the GFE that you currently provide.
Getting the credit part right
Underwriting is back, accompanied by documentation.
This you can put in place without waiting for regulations. It is fairly clear. Low-doc and no-doc loans are a thing of the past. If you are still making them, stop now. Also establish systems and minimum requirements for documentation. Lenders can't stop with simply collecting information. They will have to demonstrate that they have evaluated it.
Then there is the prepayment problem. You may need to include Legal as well as Lending for this.
The act restricts when and how prepayment penalties may be charged and prohibits prepayment penalties on high-rate, adjustable rate and non-qualified loans. And if you do include a prepayment penalty on any mortgage product, you must also offer a mortgage product with no prepayment penalty. There is a lot of room for regulators to decide how this should work.
Don't leave out Operations
You will also need to be working with Operations.
Unless you provide coupon booklets for payment, you will have to be ready to generate a monthly statement for mortgage loans. The statements will have to include all the information that a consumer might find useful at any given time: principal remaining, rate, rate adjustment date, and more.
And not to be left out ... homeownership counseling
Finally, there is the question of home-ownership counseling.
This will be mandatory for first-time home buyers and for high-cost mortgages.
You don't have to do the counseling. Refer clients to HUD-certified counselors. But you will have to verify that the counseling has occurred.
About Lucy Griffin
"Lucy and Nancy's Common Sense Compliance" is blogged by both Lucy Griffin and Nancy Derr-Castiglione, both longtime ABA Banking Journal contributing editors on compliance.
Lucy, a Certified Regulatory Compliance Manager, has over 30 years experience in compliance. She began as a regulator, including stints with the Federal Reserve Board, the Federal Trade Commission, and the Federal Home Loan Bank Board. For many years she managed the ABA Compliance Division. Since 1993 she has served as a compliance consultant as president of Compliance Resources, Inc., Reston, Va. She is also editor of Compliance Action newsletter and senior advisor with Paragon Compliance Group, a compliance training firm.
For more blogs from "Lucy and Nancy's Common Sense Compliance," click here
[This article was posted on August 11, 2010, on the website of ABA Banking Journal, www.bankingexchange.com, and is copyright 2010 by the American Bankers Association.]
Community Bank Compliance Officers: Be sure to check out our other compliance blog, "AML, Fraud, and Other Things." BSA expert John Byrne blogs on money-laundering and related matters with a definite point of view. Check it out
For ABA Member Banks Only: Get regular compliance news updates with ABA's Compliance Source E-Letter
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text:
What model and poundage does everyone shoot?
What model and poundage does everyone shoot?
2008 Moab 70# The deer killing bow
2008/12 Firecat 60#--- 2010 Warthog 70#
2009 Warthog 70#---2009-10-12? Warthog Frankenbow with Nitrous B
2010 Strother SR-71 65# & 2012 Strother Rush 65#
2012 Strother SX Rush 60# & 2011 Strother Infinity 70#
BSD strings and cables
Yeah, I know I'm grumpy and opinionated.
answer is in my sig
HTML Code:Same here... I I I I I I I I I I I I I I I I I I I
Chasman, 2010 Martin Bengal 60#,Parker Phoenix 60#, Parker Hornet 70#. Hutch-n-Son strings.'Makes a lot of sense if you don't think about it!
2011 FC400 @60lbs(hunting)
2010 Bear @56lbs(hunting)
2006 Saber @52lbs(nightly shooter)
2011 Firecat 400
2013 PSE Drive
2012 PSE Brute X
In the sig, but the Onza is my new hunting rig and the Saber is my backup bow...
In God and guns we trust;
- One nation, under God, indivisible, with liberty and justice for all.
- A well regulated Militia, being necessary to the security of a free State, the right of the people to keep and bear Arms, shall not be infringed.
2011 Onza 3: 70#, 28.25 draw (AMO), 384 gr arrow, 288 fps
2005 Saber: 70#, same arrow, 250 fps
2010 Rytera Alien Z, 47#, 27 1/8" draw length
2011 Rytera Nemisis, 47#, 27" draw
2005 ShadowCat Magnum/Nitrous X, 47#, 26 7/8" draw
If You're Not Living on the Edge You're Taking Up Too Much Space
Martin Gold Plus Staff Shooter
Alien Mafia
PSAA Life member, UBP Life member
PADI AOW Diver
2007 Martin Jaguar @ 63lbs
2011 Martin Firecat 400/NAP Apache Dropaway/Truglo Xtreme Sight/Custom 8" Stabilizer/Victory V6 Arrows
2007 Martin Jaguar /Trophy Taker Dropaway/Extreme Sight/Custom 21" Stabilizer/Victory V6 Arrows
Bow String Depot, Custom String Builders email us @ firstname.lastname@example.com
2010 Firecat TR2 70lb
2010 Cheetah 60lb
I want to die peacefully in my sleep, like my grandfather.. Not screaming and yelling like the passengers in his car.
both bows in my sig are 28.5"/60#
'14 ChillR 28.5"/74# Extreme Recon sight,Schaffer Opposition rest,LS modular stab, Beman ICS Hunter 340
Shadowcat 60#
Mauler 67#
Going lower and shooting better.


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Bring a little timeless wisdom into your home with this fantastic selection of cross stitch patterns with special messages for every occasion, from some of the world's leading cross stitch designers. This booklet features 12 inspirational designs across a range of styles, including Clarice Cliff, Native American, Celtic and Oriental inspired designs, with clear, full-colour cross stitch charts and easy-to-follow sewing instructions for each project. Projects include large and small cross stitch samplers, wall hangings and greetings cards in a cross stitch collection that is sure to inspire you to get stitching today!
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- 1 Steller: Tower project wins over neighbors — except one
- 2 Recruits feel right at home at Red-Blue Game
- 3 Wildcats 'D' sees opportunity knocking
- 4 Prosecutor: Tucson officer was 'overzealous,' lacked criminal intent
- 5 Environmental concerns delay 50-acre Catalina Foothills proposal
- 6 ADEQ: Patagonia mine wasn't source of orange sludge
- 7 My two cents: ASU coach classless during Skowron kick
- 8 In defense of Renee Zellweger's startling new face
- 9 Tucson approves big cut in parking fines
- 10 Mountain Lions banned from state football playoffs
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NASFT Winter Fancy Food Show, the floral components
Back to San Francisco for the annual Fancy Food Show; it is a nice town to visit any day of the year but for those of us living in the northeast it also gives us a chance to thaw out a little. We have several more weeks to go before we'll see any daffodils around here so the Golden State will be a welcome sight. About the only living flowers we are seeing here in New York now are the ones that are growing on the rinds of our cheeses and sausages. Maybe not quite as colorful as an English garden but they look gorgeous nonetheless, at least to some of us.
Recently we had a customer call who was concerned about the molds (read: flowers) growing on a perfectly ripened Sainte Maure, and another concerned about the white mold growing on one of our Country Sausages. These concerns would not be voiced in most parts of the world, yet here in the States we have been cautioned to reject that that does not look uniform, perfectly cylindrical, and free of any blemishes, even barnyard aromas. How far we have gotten away from the farm!
It is apparent that our high school biology classes have skirted around the diversity-of-life studies and have instead taught us that anti-bacterials, cleanliness-is-next-to-godliness regimens, and near-sterile environments are the choices we should make. The recent research on our biomes is, to put it mildly, a little difficult to swallow, especially after having received the fear-mongering assaults on biodiversity received in basic Biology. Sadly, the same hysteria lingers into higher education. The first clue some people receive regarding biomes comes in undergraduate Symbiosis classes. Maybe it is not as bad with some of today's Biology intro courses but the overarching fear of other living forms does seem to persist. Anti-bacterial soaps are ubiquitous, almost impossible to avoid.
You can't judge a book by its cover.
Given a choice between a cheese that is perfectly cylindrical and white, and one that looks a bit misshapen and dotted with molds, I will go for the latter. The former cheese may be perfectly edible but I invariably prefer the ones that appear to have some life in them. Better to have a cheese that is supporting a "garden" than one that is barely breathing.
Max McCalman


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Terry Anderson 09/26/2014
In this issue of Capital Ideas -- Live!, Hayes Brown interviews Terry Anderson about free market environmentalism, how conservation benefits can flow from private land stewardship, and more.
Terry Anderson 08/29/2014
The boom in gun sales has created a revenue gusher for wildlife restoration.
Shawn Regan 05/23/2014
Cliven Bundy's battle was born out of a broken system that encourages conflict, not negotiation.
Holly Fretwell 05/14/2014
An eco-tour outfit's success in the Seychelles and a new line of denim made from recycled materials.
Logan Yonavjak 05/14/2014
How one enviropreneur is harnessing private capital for innovation in environmental ventures.
Shawn Regan 04/22/2014
When environmental groups buy ranchers' permits, there's no need for the feds to start rustling up trouble.
Jonathan Adler, Nathaniel Stewart 04/09/2014
Ending the tragedy of the oceans: How property rights can save the world's fisheries.
Reed Watson, Peter Hill, Shawn Regan, Laura Huggins 03/26/2014
Listen as Aaron Flint of "Voices of Montana" talks with Reed Watson, P.J. Hill, Shawn Regan, and Laura Huggins about free market environmentalism.
Terry Anderson 01/27/2014
In an interview on the John Batchelor Show, Terry Anderson explains how hunting in Namibia provides local communities with the right incentives to manage and conserve wildlife.
Shawn Regan 01/15/2014
On the January 15 show, PERC's Shawn Regan discussed the political origins of the incandescent light bulb ban with Detroit's personality and radio show host Frank Beckmann.


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Antique Knights Templar Masonic Buttons (3)
Antique Knights Templar Masonic Buttons (3)
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Sold Date: 05/04/2007
Channel: Online Auction
Source: eBay
Category: Textiles, Clothing & Accessories
Knights Templar Masonic Button, 2 piece brass, Waterbury Button Co., 2 at 7/8" and 1 at 5/8". Please feel free to contact me if you have any questions or need more information. Buttons are in "as is" condition. Will leave the cleaning to you, I don't want to damage them.
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Industry-leading student, finance, and human resources
administrative software exclusively for K-12 school districts.
Being the first district in Hawaii to use Skyward's revolutionary school management software comes with unique advantages. If you would like to learn more about how Skyward can help your district achieve its unique goals, please sign up for a free online demonstration or contact us for a personalized presentation!To learn more about the experience of other districts who were the first in their state to partner with Skyward, click the Case Studies tab above.
These districts were the first in their states to move to Skyward. Download the case studies to learn more!
On time and on budget was not the only benefit that Jordan School District in Utah gained by partnering with Skyward.
Contact us for a personalized demonstration of how your district can achieve more with Skyward.
Watch our video on why our implementation is the best
"Skyward lives and breathes K-12, and that is very apparent in the way they are organized to provide implementation and support."
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IT Director
Jordan School District, UT
"By using Skyward, we are excited about finally being able to say, 'yes, we can do that' instead of, 'no, it will take too long and we don't have the time.' We will finally be proactive instead of reactive, which will put us in the power position we want to be in."
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Read more Customer Reviews


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DirectTV 2 Year Savings Event! Over 140 channels only $29.99 a month. Only DirecTV gives you 2 YEARS of savings and a FREE Genie upgrade! Call 1-800-259-5140. (PNDC)More info Email a friend
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- Antique Jewelry
- The Ages
- Engagement Rings
- Antique Rings
- Diamond Jewelry
- So Much More
Almandine Garnet & Diamond Ring ca. 1930
An expanse of five (5) oval faceted almandine garnets and ten (10) accent diamonds span the finger in a burst of color of a wonderful rich berry with purple hues. The stones are set in an 18k yellow gold mount with a marvelously ornate gallery of geometrically shaped prongs. Lovely details accent each shoulder of the period ring.
Date: Circa 1930.
Measurements: 5/16 of an inch (0.8 cm) in length north to south on the hand and rises 3/16 of an inch (0.4 cm) in height off the finger. Weight of 5.2 grams (3.3 dwt).
Ring Size: US 7-1/4 (UK O; Euro or Int. Circum. 55.0 mm; Int. Dia. 17.5 mm; Japan over 14) and easily can be sized to fit most. Ring sizing information.
Condition: Excellent; one diamond replaced; a few diamonds with surface wear and one chip; evidence of a previous resizing; all only visible with magnification.
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Pack It In, Pack It Out! 10 Best Recipes for a Day of Hiking
Thinking of heading off into the wilderness this weekend? Whether you're planning an all-day hike to see waterfalls or a stroll to the park for some fresh air, here are some of our favorite recipes for keeping happy and energized.
• Homemade Power Bars
• Spicy Lentil Wraps with Tahini
• Peanut Butter and Honey Granola
• Peanut Butter and Fruit "Sushi"
• Roasted Sweet Potato Wraps with Caramelized Onions and Pesto
• Roasted Almonds with Paprika and Orange
• Peanut Butter Oatmeal Monster Cookies
• Caramel Popcorn
• 4-Ingredient Banana Oat Bars
• Kimchi Tofu Summer Rolls
What foods do you like to take on a hike?
Related: Campfire Cooking: Easy Frugal Foods for Camping
(See individual links for image credits)
12 Comments
Here's my perfect on-the-go snack!
Seriously? That's what you'd pack to go on a hike? Nuts yeah, granola bar yeah, the rest...
Very sugary looking for one thing... Not to mention that those wrap and "sushi" wouldn't survive the backpack. Packing for a hike, less is more. Need to think in terms of how it will survive motion, and how easy it will be to eat out in the field. Grain salad in a lock & lock with some nuts, granola bar and a fruit or two...
Thanks, these are fantastic! I'll be using them for hikes, picnics, and even brown-bag lunches at work!
We've been bringing my Blueberry Chocolate Walnut Breakfast Bars on hikes this summer, and my husband requested I make a batch for his 200k bike ride this weekend. I like eating them while sitting on the couch at home and thinking about exercising (kidding, sort of).
When I go hiking with my son, we aren't trying to impress anyone. So I'll typically pack a peanut butter and jelly sandwich on whole wheat bread, cut up apples, snack crackers and water. This humble meal is a feast when you are eating outside after tromping in the woods for a spell.
@aginandtonic, you can have 3 of those, yeah? You can't expect that every single recipe is going to fit your specific diet. Between nut free, gluten free, dairy free, egg free, soy free, sugar free, paleo, primal, etc., it can get difficult to accommodate everyone.
@aginandtonic, really? It's not enough that kids can't bring treats to school anymore -- even blog posts need to be nut free too now for the small percentage of people who happen to have nut allergies? I'm sorry you have one, but geez, I have a problem with my leg right now and don't go on exercise sites saying "very disappointing, as people who can't use their leg need to exercise too." I, for one, am very glad that TheKitchn posts a variety of good and wholesome foods and doesn't cater to all the different obsessive and/or restrictive diets going on at the moment or to the small percentage of people who have allergies to specific ingredients.
@brittanykate I like your recipe! I'm going to try it with dried cranberries. Thanks for sharing.
I registered just so I could comment on this post. Kimchi on a hike!?! I'm korean, and even I think that's disgusting. Have you not smelled Kimchi??? This is not a hiking food, even if it's rolled up in something.
@magzeen, awesome. I made them with dried cranberries last weekend and they were great.
Hard boiled eggs and an avocado are good snacks too, and can double as sustenance for the puppies if you take them along. Just pack in a sandwich bag (doubles as a trash bag), put them on the top of the pack and they're fine.
My friend and I did a day hike earlier this year - start the day right (I made us gallo pinto in easy to carry containers which is perfect) and you only need snacks for the rest of the day.


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101. 5 Seconds of Sports May 29, 2013
Wednesday, May 29, 2013
High School Class of 2015 recruits Thomas Bryant and Derrick Jones ... Highly regarded by the Syracuse University Men's Basketball team, will work out with USA Basketball's Men's Developmental Team this Summer, with the hopes of making the U-16 squad.
In High School Girls Lacrosse, Skaneateles beat Marcellus 12-7 to win the Section III, Class "C" title.
In Minor League Baseball, Gwinnett beat Syracuse 5-4 and Binghamton beat Altoona 8-5.
Tonight, The American hockey League's Eastern Conference Finals continues in the Keystone State, As Wilkes Barre/Scranton hosts Syracuse ... the series is tied at 1 game apiece.
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Cadel Evans headlines the BMC Racing Team's roster for Sunday's GP di Lugano in Switzerland.
Features Hard Circuit
"It won't be an easy race," said BMC Racing Team Assistant Director Rik Verbrugghe, who won the race himself in 2005. "All of the guys have done some races already so now it's time for them to have better condition. The race is on a hard circuit, so if Cadel wants to, he can make a good test for himself." The 178.5-kilometer race comprises five laps of a figure-eight shaped, 35.7 km circuit.
BMC Racing Team GP di Lugano Roster (Feb. 26):
Brent Bookwalter (USA), Yannick Eijssen (BEL), Cadel Evans (AUS), Mathias Frank (SUI), Amaël Moinard (FRA), Mauro Santambrogio (ITA), Ivan Santaromita (ITA), Johann Tschopp (SUI).
Sport Director:
Rik Verbrugghe (BEL)
Chief Communications Officer: Georges Lüchinger (LIE). Mechanics: Antonio Biron (ITA), Ronald Ruymen (BEL). Soigneurs: Raniero Gradi (ITA), Anthony Pauwels (BEL), Stefano Rubino (ITA). Bus Driver: Gianni Cedroni (ITA).


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Charges detail Waukesha pre-teens' attempt to kill classmate
The 12-year-old girls had been plotting the murder for months, police say.
Morgan E. Geyser was allowed to have two friends over each year for her birthday. This year, she'd celebrate on May 30. That is the day she and Anissa E. Weier would try to kill their friend during a sleepover.
On Monday, the two Waukesha girls were charged in Waukesha County Circuit Court as adults with attempted first-degree intentional homicide, each facing up to 65 years in prison. Their victim, another 12-year-old from Waukesha, was stabbed 19 times by either Geyser or Weier or both, according to a criminal complaint. All three attend Horning Middle School in Waukesha.
Geyser and Weier are being held on $500,000 bail each. The pre-teens attempted murder, they told police, to pay homage to a fictional character who they believed was real after reading about him on a website devoted to horror stories.
On Saturday, a bicyclist found the victim, lying on the sidewalk and covered in blood, with injuries to her arms, legs and torso. She had managed to crawl out of the woods, where the suspects had left her. She was rushed to a hospital, where she was in stable condition Monday evening, but fighting for her life.» Read Full Article
Photo Gallery: WIAA state soccer tourney day one
where St. Thomas More defeated Barron 3-0 to advance to the Division 4 final.Day one photos from Uihlein Park in Milwaukee,
Check back Friday for photos and gameday coverage of the Division 2 semifinal between Brookfield East and Pulaski as well as the Division 1 semifinal between Menomonee Falls and Beloit Memorial.
Muskego man charged with sexually assaulting 12-year-old Waukesha girl
A 24-year-old Muskego man is charged with sexually assaulting a 12-year-old Waukesha girl, whom he communicated with through various social media applications.
Ethan C. Holt was charged on Thursday, Oct. 30, with two counts of first-degree child sex assault — sexual contact with a person under the age of 13 — and another count with use of a computer to facilitate a child sex crime. Each charge is a felony.
Sgt. Jerry Habanek said through the Waukesha Police Department's investigation it was learned that Holt communicated with, met and sexually assaulted the young Waukesha girl on more than one occasion. Holt was arrested on Tuesday, Oct. 28.
Habanek said Holt used social media telephone apps to communicate with the victim.
Habanek said the apps used were Tinder, a matchmaking mobile app that connects with users' Facebook profiles and also allows users to use GPS technology so they can be matched with anyone within a certain distance; KiK Messenger, an instant messaging app for mobile devices; text messaging; Whisper, which allows users to send messages anonymously, and to receive replies; and Snapchat, a photo messaging app.» Read Full Article
Muskego man, 24, accused of sexually assaulting 12-year-old girl
Authorities on Thursday charged a 24-year-old Muskego man with sexually assaulting a 12-year-old girl multiple times, and Waukesha police are asking the public for help identifying other possible victims.
Ethan C. Holt was arrested Tuesday after Waukesha police investigators learned he communicated with the teen girl through social media and cellphone apps before assaulting her, according to a news release.
Holt used Tinder, KiK, Whisper, Snapchat and text message to "groom" the girl and sent her nude pictures using those apps and the profile name "probablyinthegym," police said.
Investigators believe Holt may have done the same to other girls in the area.
Holt was charged Thursday with two counts of first degree child sexual assault and one count of using a computer to facilitate a child sex crime, all felonies.» Read Full Article
Waukesha Police Report: Oct. 30, 2014 issue
1 Tools were stolen from work trucks and a trailer at 1921 S. West Ave. overnight Oct. 16-17.
2 A caller reported a vehicle was parked directly in front of Dave's Restaurant with the hood up and blocking traffic at 316 W. Broadway at 10:11 a.m. Oct. 17. A second caller then said the owner of the vehicle was blowing leaves out of his mouth.
3 A person attempted to steal more than $200 worth of merchandise from Walgreens, 221 E. Sunset Drive, at 11:18 a.m. Oct. 17.
4 A woman called police after her ex-husband would not give back the Kirby vacuum that she let him use at 211 N. Racine Ave. at 11:49 a.m. Oct. 17.
5 Two people vandalizing one of the bathrooms at Roberta Park, 201 W. Roberta Ave., at 12:49 a.m. Oct. 18 ran away after seeing police. Police found the word "whore!" in black spray paint on the women's restroom.» Read Full Article
Man robs victim of iPhone near Waukesha's Fox River Trail
Stephen A. Kroll, a 21-year-old Wauwatosa man, has been charged in connection with a strong-armed robbery near the Fox River Trail outside downtown Waukesha early Saturday morning, Oct. 25.
According to Lt. Tom Wagner of the Waukesha Police Department, Kroll took another man's iPhone in the 1100 block of White Rock Avenue and punched the victim 10 to 15 times, with some of the strikes to the back of the head.
Kroll got away after stealing the 25-year-old's phone. Not long after, police tracked the man down in Frame Park, according to police.
Kroll was charged Monday with robbery with use of force, possession of a controlled substance and possession of marijuana.
He is being held at the Waukesha County Jail on a $5,000 cash bond. A preliminary hearing is scheduled for 3 p.m. Nov. 3.» Read Full Article
Shared employee health clinic opening next week in Waukesha
Less than a week before its opening, two open houses at the new Waukesha Employee Health and Wellness Center are scheduled over the next two days.
An open house for elected officials is scheduled for 6:30 p.m. Wednesday, Oct. 29, at the clinic, 615 W. Moreland Blvd., a facility that was formerly used for offices for the county division of public health.
An open house for employees is then scheduled from 3:30 to 7 p.m. Thursday, Oct. 30, at the clinic, which is housed on the grounds of the Waukesha County Courthouse.
The health clinic is a shared facility for benefit-enrolled employees and retirees of the city of Waukesha, the Waukesha School District and Waukesha County, along with their families.
The clinic is opening on Monday, Nov. 3.» Read Full Article
Former Waukesha County Health and Human Services building has new life
Mary Emery said she and local preservationists in Waukesha have had their "wins and losses" in trying to protect historical properties from becoming casualties within the city and county over the years.
What happened Tuesday night was in the 'W' column, said Emery, the president of the Waukesha Preservation Alliance.
That's because the Waukesha County Board voted to remove spending money in its five-year capital projects plan for the demolition of the county's old Health and Human Services building — the one-time Moor Mud Baths Resort — on the grounds of the Waukesha County Courthouse.
Emery said she was surprised by the vote — 14 supervisors voted to take $3.3 million that would have been spent to raze the building out of the plan, compared to just 10 who voted for the building to be torn down. Every county committee had previously followed staff's recommendation on voting to raze the building.
Supporters didn't go quietly» Read Full Article
Suburban roundup: Week one of the WIAA football postseason
Blowouts, nailbiters, rising stars and a mud bowl mashup. Such is the story of the kickoff weekend of the WIAA football playoffs.
A roundup of our coverage:
-Initial Reaction podcast: Examining week one matchups.
-Mukwonago duked it out against Hartford in a muddy march of the old-school, smashmouth gameplan, winning 29-6.
-Turnovers spelled the end of Sussex Hamilton's playoff hopes. The Chargers lost 23-16 to Waunakee.» Read Full Article
Catholic Memorial leaves early struggles in rear view
The Catholic Memorial football team began its 2014 playoff run with a 49-6 win over the visiting Raiders from Two Rivers to move onto the second round against Kewaskum next Friday.
Despite the decisive result, however, the game started slowly for the Crusaders. Two Rivers received the opening kickoff, and quarterback Marcos Alfaro hit Ethan Willman for a 69-yard touchdown pass and a 6-0 lead for the seventh-seeded underdog.
The Crusaders hit back on their next possession. Then, they hit back some more.
It started with a 17-yard touchdown run from Tommy Garza to tie the game at 6. The Raiders couldn't get past their own 34 yard line on their next possession, and after a punt set the Crusaders up on their own 45, Alex Bray found Fletcher Metz for a 31-yard touchdown pass and a 12-6 Memorial lead three plays later.
"It was definitely a little concerning," Garza said of the Raiders' opening score. "We tried this week to come out and really prepare, but obviously it was a little bit of a rocky start. We got it together on offense and then we pulled through with our defense."» Read Full Article
Blount capitalizes for Waukesha West, Greenfield eliminated
Waukesha West quarterback Conor Blount turned a short field into a long night for the visiting Greenfield Hustlin' Hawks.
The Wolverines defense provided opportunistic field position, and Blount responded with three second-quarter touchdown passes as Waukesha West rolled to a 35-0 victory over Greenfield in the first round of the Division 2 state football playoffs on Oct. 24.
"That was huge," said Blount, who completed 11 of 17 passes for 139 yards. "All credit to the defense. They put us in those spots, and we just have to capitalize off that. You don't get many chances where you're going to work with 50 or less yards."
The second-seeded Wolverines (8-2) advanced to next weekend's second-round game against sixth-seeded Waterford (7-3), which erased a 14-0 halftime deficit to upset third-seeded South Milwaukee, 21-14.
Each of the Wolverines' first three scores were set up by forcing the Hawks to punt from deep in their own territory.» Read Full Article
Preps football photos of the week: Level 1
The fight for a championship trophy started Oct. 24 as Level 1 of the WIAA playoffs kicked off.
Now Newspapers and Lake Country Publications compiled the best photos shared on social media featuring teams from our coverage area, predominantly in Milwaukee and Waukesha counties.
Here's the best sights and sounds from Level 1.
Zombie walk, trick-or-treating this weekend in downtown Waukesha
Downtown Waukesha is celebrating Halloween this weekend.
So don't be spooked if you see ghosts, goblins and even zombies walking the streets of downtown.
The fifth annual Waukesha Zombie Walk begins at 3 p.m. Saturday, Oct. 25, in downtown. The walk will end between 3:30 and 4 p.m.
Participants can donate a minimum of five non-perishable food items for the Food Pantry of Waukesha County or pet food, supplies or toys for the Humane Animal Welfare Society or they can pay a $5 fee.
Kids 5 years old and younger walk for free.» Read Full Article
Rep. Bill Kramer faces jail time after pleading to sexual assault
Waukesha — Just days ahead of a scheduled jury trial, state Rep. Bill Kramer (R-Town of Waukesha) Thursday pleaded no contest to reduced charges of two misdemeanor counts of fourth-degree sexual assault.
Kramer entered the plea during what was to have been a status conference on the case, stemming from felony sexual assault charges filed in March against the former No. 2 lawmaker in the Assembly.
Assistant District Attorney Debra Blasius said her office will recommend three years of probation, with a variety of conditions, including nine months in jail with work-release privileges.
Kramer, 49, will not have to register as a sex offender, but must undergo a sex offender assessment and any recommended treatment. Sentencing is set for Nov. 25 before Reserve Judge Neal Nettesheim.
By avoiding a felony conviction, Kramer will be able to serve the remainder of his term in the Assembly, which ends in January. He is not seeking re-election this fall.» Read Full Article
Waukesha Police Report: Oct. 23, 2014 issue
1 A man had his pants down to his knees and was exposing himself at the bus stop across from the Waukesha School District's Early Learning Center, 1150 White Rock Ave., at 8:30 a.m. Oct. 10.
2 A woman at 732 E. North St. wrote a letter to the police department because she believed a man was cutting a wire on her raccoon trap in her backyard prior to 4:24 p.m. Oct. 10. She said she has never witnessed the man on her property but feels he's the culprit because her traps catch the squirrels the man feeds. The man had no idea what police were referring to when he was questioned.
3 A glass art piece was stolen from River's End Gallery, 380 W. Main St., prior to 4:31 p.m. Oct. 10. The caller said it was stolen during the Art Crawl the previous weekend.
4 A man was punched by his intoxicated friend because the man was kicking him out of Walgreens, 230 Madison St., at 5:05 p.m. Oct. 10.
5 A fight was going on inside Boscos Social Club, 260 W. Main St., at 12:12 a.m. Oct. 11.» Read Full Article
Waukesha North Marching Band captures eighth straight state championship
The weather change must have been a foreshadowing of what was ahead at the Wisconsin School Music Association State Marching Band Championships.
"The sun came out a couple of minutes before we came on," said Waukesha North band director Greg Redner.
And with the sun now shining after a gloomy start on Saturday, Oct. 18, at the University of Wisconsin-Whitewater, the site of the event, the Northstars' marching band itself delivered a glowing performance once again, winning its eighth straight state championship and 13th overall.
The Northstars finished with a score 89.20, edging River Falls' 88.85, to capture the Class AAA title at the 30th annual event.
Teams are judged based on visual and music presentation and ranked in categories based on school enrollment.» Read Full Article


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If your display does not display the temperature, this is normal. It will only display the temperature when any button is depressed on the display panel.
Note: If the display pane does not respond to commands, you may have the child lock enabled. To disable the child lock, press and hold the button labled "Child Lock" for 3 seconds.


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Orlando Magic Online Store
HOME Orlando Magic Gear Orlando Magic Mens Orlando Magic Mens Hats Orlando Magic Mens Hats Mens $10 to $20 (76 items) Product ID: 770384
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You wish you could hit the court and play with your favorite basketball team. Well, now you can sport the same headgear that the Magic's players wear in this Authentic Practice Graphic cap from adidas. It features 3D embroidered " Orlando Basketball" lettering and the official NBA logo on the crown, contrast color stitching, a team logo embroidered on the left side and the team conference woven on the back strap making this hat the ultimate declaration of your Magic pride!
- 100% Cotton fabric
- Adjustable hook and loop fastener strap
- Contrast stitching
- Imported
- Officially licensed NBA product
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- Six panels with contrasting eyelets
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Manufacturer direct items are shipped directly from the manufacturer. These items are not available for international or expedited shipping.
Customized items can be personalized with options such as your name, your favorite number, and/or designs. Some options may be limited by league rules.


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NASCAR has been a part of your family's tradition for as long as you can remember. You and your kin have been anxiously waiting for the races so you can throw on your race day gear and fanatically support your driver all the way to the finish line. It just stands to reason why you would be thrilled to wear this Daytona 500 Tribal hat from Chase Authentics. Featuring the 54th annual Daytona 500 logo along with the event's date embroidered on the crown, the event date embroidered across the back and custom tribal graphics, this cap will let everyone know that NASCAR racing runs through your blood!
- 100% Cotton fabric
- Adjustable hook and loop fastener strap
- Imported
- Officially licensed NASCAR hat
- One size fits most
- Quality embroidery
- Structured fit
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Special event items are produced by manufacturers only after the outcome of a game or event. These are advanced sale items and will ship immediately after they are received in our warehouse.
Manufacturer direct items are shipped directly from the manufacturer. These items are not available for international or expedited shipping.
Customized items can be personalized with options such as your name, your favorite number, and/or designs. Some options may be limited by league rules.


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Imperial Cat Door Hanger Cat Scratchers let your cats scratch until their claws' content!
Imperial Cat Door Hanger Cat Scratchers can hang anywhere in your home, which means your cat will never be at a loss for where to scratch. Every time your cat sinks his claws into your furniture, he is satisfying an instinctual need to scratch. Scratching allows your cat to hone his claws, stretch his muscles and relieve stress. Cats also scratch to "mark" their home turf –with every scratch, special glands in the pads of his paws release a scent that makes your house smell like home sweet home. In the wild, trees are the preferred scratching post, but indoors, trees are often replace by home furnishings and your sweet kitty can turn into a terrible nuisance. Imperial Cat Door Hanger Scratchers will make both you and your cat happy!
Imperial Cat Door Hanger Scratcher's unique, eco-friendly design, is sure to be a hit with you and your cat! The honeycomb texture mimics the feel of natural tree bark, so cats will instinctively choose to sink their claws in for some serious shredding. Plus it's made from 100% recyclable corrugated cardboard and 100% recycled paper.
As an added bonus, each scratcher includes a bag of Certified Organic Catnip that encourages healthy play and will keep your cat coming back for more.
Scratcher Highlights
Available in Raccoon, Lava Lamp and Fish on a Line designs, each with 3'' x 4'' x 15.25'' dimensions.
Country of Origin: USA
Manufacturer: Imperial Cat
The reviews below are presented for informational purposes only and are not intended as an endorsement of any product. The information is not intended to be a substitute for visits to your local veterinarian. Instead, these testimonials offer the reader information and opinions written by pet owners and/or veterinarians concerning animal health and products that they have used.
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Following the Louisiana Purchase, negative rumors circulated about Governor Wilkinson. The residents of the St. Louis area showed their support for Wilkinson by sending letters to the president. This collection is called the Wilkinson Memorial.
The residents who signed the letters lived in St. Louis, St. Charles (SC), St. Ferdinand (SF), and Ste. Genevieve (SG). In addition, residents from Cape Girardeau and New Madrid areas of the Louisiana Territory are included; however, Cape Girardeau and New Madrid residents are not indicated by a location designation. The list includes only one female. The transcription used the original spelling for each name.
The city indicator may follow the name of the resident. If the resident signed with an X, it is so indicated. This information was taken from Carter's Territorial Papers, volume 13.
To locate your ancestors, use this record in conjunction with the 1805 Tax List included in this website.
St. Louis Genealogical Society member Jeananne Beuer, along with assistance from George F. Wilson, prepared this list for publication in the 1981 St. Louis Genealogical Society Quarterly, volume 14, number 1, pages 8–11; number 2, pages 56–57; number 3, page 104.
|Adams, Robert, Jr.
|Adams, Robert, Sr.
|Adams, Samuel
|Adams, Samuel
|Alexander, David
|Allen, Jehu
|Allen, Robert
|Allen, Thomas
|Alley, John
|Alley, Thomas
|Alley, William
|Ambroise, Francois
|St. Charles, signed with 'X'
|Amery, John
|Amoreux, Michel
|Anderson, John
|Andrew, David
|Signed with 'X'
|Apelgate, Thomas
|Archanbeaux, Charle
|Ste. Genevieve
|Armstrong, Abm.
|Arnow, Jesse
|Arrel, James
|Arrivea, Jesse
|Arway, Jesse
|Ashbrook, George
|Ashley, Wm. H.
|Ste. Genevieve
St. Louis Genealogical Society · #4 Sunnen Drive, Suite 140 · St. Louis, MO 63143 · 314-647-8547


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(If anyone is interested, you can see my whole set of House Renovations Photos on Flickr.)
Friday, November 21, 2008
Friday Night Photos: The Porch is Gone! (House Renovations v. 2.0.1)
(If anyone is interested, you can see my whole set of House Renovations Photos on Flickr.)
11 comments:
- MyKitchenInHalfCups said...
Oh I remember the nightmare of the water line!
Great photos. I especially like the old wood photo, it's so interesting to see how they constructed homes then.
- November 21, 2008 at 10:40 PM
- Ilva said...
It is strangely exciting to see your renovation, I am looking forward to see how it proceeds and then, in the future, inspect the results in person! Hopefully! One day...
- November 22, 2008 at 1:08 AM
- Lydia (The Perfect Pantry) said...
Progress! Especially good news about the water line. Now it will be exciting to watch the house get put back together.
- November 22, 2008 at 4:27 AM
- Maria said...
Looks like the house is coming along nicely!! Very exciting!!
- November 22, 2008 at 8:24 AM
- Kalyn said...
It is really quite exciting to watch the progress. Of course it's barely getting light when I go to work and it's usually dark when I come home so I'm going to go outside today and see it in the daylight (as soon as it warms up a bit more.)
The best part is that I have such a good feeling about this contractor, so I feel like I can do all the things I've always wanted and trust him to do a good job.
I know Maria will see the finished house, but Tanna, Ilva, and Lydia, I hope you guys will get to come and see it sometime too. (When I'm retired, come any time! I will be ready for visitors!)
- November 22, 2008 at 9:13 AM
- Owlhaven said...
How exciting!!
- November 22, 2008 at 9:46 AM
- rand said...
We can't wait to see the progress IN PERSON!
- November 22, 2008 at 10:00 AM
- Kalyn said...
Thanks Mary. I'm excited!
Rand, can't wait to see you guys too. You'll be amazed at how much has happened in just two weeks.
- November 22, 2008 at 11:14 AM
- cookiecrumb said...
Bless your heart; you're keeping the economy afloat!
- November 22, 2008 at 12:19 PM
- Cynthia said...
So everything will be finished in time for Christmas? or are you racing to a Thanksgiving finish?
- November 22, 2008 at 12:53 PM
- Kalyn said...
CC, I'm certainly trying to do my part! I'm guessing the contractor is very happy to have this job.
Cynthia, this is a huge project, no way it will be finished by Thanksgiving, or Christmas either I'm guessing. I'd guess probably about 4 months, but maybe I'll be pleasantly surprised. A lot depends on the weather,so the contractor hasn't given me any idea how long it will take but I'm getting a new front porch, new siding and trim on the whole house, a new two-layer deck in back, a roof extension to cover part of the new deck, new sidewalks, skylights, new windows in my office, and some new shelves and other inside work. Just praying that I don't run out of money, and thankful that I got the loan before everything went so bad with the economy! And I'm thankful that I'm out of debt except for this house or I could never afford it.
- November 22, 2008 at 1:13 PM