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WEAR• Avoid wearing your bra more than twice between washings.• Don't wear your bra two consecutive days. Elastic needs to recover after a day of wear.• Have a minimum of three basic bras: one to wear, one to wash and one to spare.• Have a minimum of two matching panties to a bra.
WASH• Hand wash your bra in a delicate detergent. Harsh detergents and bleaches can destroy elastic and lace.• Rinse garment in cold water to restore the bra's shape and elasticity.• Always air dry your bra. Heat can destroy both fibers and elastic.• Do not twist the bra to remove excess water.
STORE• Carefully fold your bra to prevent snagging or crushing.
TRAVEL• Use a lingerie travel bag to keep your bras together. Don't forget to fasten the hooks to prevent snagging.• Place socks, panties or hosiery in the cups of padded bras to prevent cup crushing.• Use a lingerie travel bag to keep your panties together.
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Elite Team Sky race jersey created for hot cycling conditions
A jersey developed for Team Sky for the 2014 season, with a brief to create the lightest, most breathable jersey possible. Designed for the hottest riding and racing conditions, the jersey is made from an open mesh and has a 'flexible' fit. The jersey has fewer seams than a standard jersey, as well as rolled side seams designed to wrap around the body. This allows for additional gripper in the hem, which in turn keeps bidons secure in pockets. The pockets are also lower than on regular jerseys and the two outer pockets are angled for easier access, with a reinforced pocket base.
The jersey has a full-length VISLON® zip, which significantly reduces friction, vital for pro riders who need to open them easily, whether at high speed or when climbing. The jersey has overlocked stitching throughout, which both reduces weight and improves aerodynamics. The armband and cuffs are also narrow, for extra comfort in an area prone to heavy sweating.
*IMPORTANT: Due to the nature of the fabric, it is essential to wear sunblock underneath the jersey if you are riding in sunny conditions.
Key features:
- Wrap-around side seams
- Extremely lightweight
- Proprietary mesh fabric
- Minimal width sleeves
- Angled rear pockets
- VISLON® zip with custom puller

subset: commoncrawl


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Car seats and adaptors
A baby car seat that is rear facing & portable with a carry handle. Use car seat adaptors to click your baby car seat onto a stroller!
A car seat that 'converts' from a rear facing baby car seat to a forward facing child booster seat. We recommend rear facing your baby in their car seat for as long as possible.
A booster seat that positions your child to safely fit the vehicle seat belt. The child booster seat is the final and important car seat stage.
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text:
my 2011 onza makes a creaking noise when you draw it....doesnt happen everytime, but alot....usually the first time you draw it since its been sitting....any ideas why this is
my 2011 onza makes a creaking noise when you draw it....doesnt happen everytime, but alot....usually the first time you draw it since its been sitting....any ideas why this is
My bet would be that the limb pockets need regreased. I had a bow that did the same thing. Loosened the limb bolts until I could get under the limb, then dabbed some lithium grease in with a Q-tip. Never has done it since.
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.
also possible the "pad" under the limb bolt could be moving a little, it should be teflon type material, the firecat is a plastic, so I've gotta choose lube cautiously so it doesn't degrade the material
A veteran is someone who, at one point in his life, wrote a blank check made payable to
The United States of America ' for an amount of 'up to and including my life.
'96 Firecat, '66 Herters
I had that same thing on my Bengal and it was my draw stop creeping. I reset it, tightened it up and the noise went away.
I agree with the guys above. What the first two said is usually the case, but I wouldn't rule out the the draw stop or anything else either.
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 @ email@example.com
I had a creaking on my FC 400 and it drove me crazy. I checked the draw stop, pockets, string stop, and drop,, finally it was the bearings in the upper cam. Did the same thing "only creaked now and then" but for hunting it's a no go. Martin CS sent new cam.
Ranger 6
2011 Fire Cat 400 (Custom)
2005 Martin SlayR
2012 Mathews z7 Magnum
2014 Mathews Creed
2001 PSE Excellerator
Figures I was going to take it apart today and grease the roto cup but its not making any noise today
Well, since you've got apart, grease it anyway. What could it hurt?
Martin 06 Slayer, Nitrous C, shoot thru, 63lb, Quiktune 3000, HAA OL 5519, Beman ICS Hunter
Martin 06 Slayer, Nitrous C, Shoot thru, 55lb, Quiktune 3000, HHA OL 5519 2X, Easton A/C/C
Ben Pearson 1968 'Cougar' 62" 45#s @ 28" recurve, parallel shaft POC, Zwickey 'Eskimo' 2 blade


text:
House Tour: Andreas' Greektown Loft
Name: Andreas
Location: Greektown
Size: 1,000 sq. ft.
Years lived in: 8 months
Inspiration and style: I'm really inspired by simplicity; I get stressed out when my house is cluttered by things that I don't care about. I am so much more focused when I only have things around me that are important and beautiful.
Dream source: Dansk Møbelkunst.
Reality source: Scouring the web, eBay, and just research, research, research to find what I'm looking for. I insist on searching and waiting for great deals. Some great furniture sites that I use: Retro Modern and Denmark 50.
Best advice: To not take too much advice! Buy only what you really want. If you can only afford one great thing per year, I think you'll be happier in the long run. You should try to be proud of your house and that can only happen when you edit and love what you have, I think.
Found treasure: Hans Wegner nightstand that I "found" on eBay.
Had forever: An old farmer's cabinet from the Kane County market.
Just got: My Florence Knoll bed and headboard from a store in Texas called Collage.
Sources for kitchen fixtures: I updated my kitchen with all IKEA all the way. I also went with IKEA kitchen cabinets for my living room storage, which brings me to more advice: try cheaper alternatives for something you have your heart set on.
(Thanks, Andreas!)
55 Comments
Andreas, I love love love the place. Keeping with the Danish modern feel without feeling overdone, to which I say well done! I love a white room with dark floors and your fabulous photos will hopefully convince my better half as well. I really enjoy the raised office, separate space without walls etc. I personally would need and island in the kithcen and maybe a different bed, but I think the place is gorgeous.
Amazing, Amazing, Amazing!
Stunning! Absolutely Stunning! This is very much the kind of look I would love to achieve in my place but with a bit more color.
beautiful. love it. i'm working toward a very similar look in my apt. i love white and i've been using glass blocks, too.
one question for you -- my next purchase is that same piet hein table. what size is the one you have? i'm wondering if you can fit 6 chairs around the smaller size?
thanks again. BEAUTIFUL.
Good God I love this.
I, too, love it! Fresh and clean but not stark or sterile. Great job on the reno, and props to the IKEA pride -- the kitchen fits really well with the space.
I really dig this place and I think the after is far better than the before. I love the furnishings, the choice to go clean, and the details. I particularly like that the office area is elevated; seperated but not removed; wise choice...
That being said I hate to say it but:
"I really wanted my home to look different than any place I'd seen before."
It kind of looks like a DWR showroom...
I have found my inspiration!!!
ABSOLUTELY BRILLIANT!! Your choices on pieces that speak to you are wonderful.
Your place is beautifully done. Love the Knoll pieces and I love the way you combined the Ikea cabinets in the living room.
Good call on the Francis Francis, too!
I have to agree, that Knoll desk may very well be the most beautiful piece ever. What a gorgeous place to live.
Love it!
i LOVE that colorful coat hanger.
and the overall feel is very contemporary and sleek. i agree about the white room, dark floors. great choice.
though the place is a bit too cold for me its still impressive.
I love it too! What make/finish Ikea cabinets are those in the living room? And (sorry if this is a stupid question) are they wall cabinets?
i love that desk and the rocking chair...
but i have to agreet that it looks too much
like a showroom.
i'd put some art on the walls and add some
flash of color somewhere!
I'm sorry, but I can't stop looking at these pics..........
andreas you have a fantastic londo. i especially like the multi-colored coat rack and the kitchen table. really good work on the rehab. and since we're commenting, i think your place has alot more eclectic style than a DWR showroom!
Andreas, It's gorgeous! I love how you did the Ikea cabinets as storage/console. Which cabinets did you use? I was looking at Akurum wall-hanging on the Ikea site, but yours look more pleasing and square.
Andreas your place is beautiful. Have you heard of London based designer, Kelly Hoppen? I'm a huge fan of her design aesthetic. Like you, she also prefers a clean modern design, and she infuses her space with organic materials, textures... just great. I think you'd really dig her.
Here's her website: www.kellyhoppen.com
Here's her book, Kelly Hoppen Style : The Golden Rules of Design. I have this in my own design library and look to it often for inspiration when I'm designing loft spaces for clients:
You can purchase from her home collection at Neiman's, too:
Holly (decor8)
Hey Everyone,
Thank for all the kind words about my place I'm glad that most of you like it as much as I do.
So to the questions, My Super Elliptical table by Piet Hein and Bruno Mathsson is the 59 by 39.5 size. You will be able to fit six ant chairs or six similar small chairs around it but if you have anything bigger than those chairs it will not fit. You can find the table at: http://www.retromodern.com or Luminaire it will take a longer time to get it from Luminaire plus you will have to pay tax on it.
The IKEA wall cabinets are the AKURUM size 30x12 with small pearl white color doors.
Thanks Again,
Andreas Larsson
thanks for the info on your place andreas....love the ikea white cabinets as a sideboard. did you have to do anything to reinforce the wall so that the wall mount cabinets are stable and do not rip out of the wall. also is your floor painted black or stained ebony?
Thank you, Andreas, for answering my question about the Piet Hein table. It helps. My chairs are the Cherner side chairs, so it sounds like they will fit that size table.
Your place is dreamy -- and I love how you combine Knoll and IKEA. The whole place flows.
Hello again,
Lets see, No reinforcement in the wall necessary for the wall cabinets but I would not sit on it or anything.
The floor is painted with glossy black porch paint DO NOT prime before.
-Barbara, no problem good luck with your table it will look great with the Cherner Chairs if you have the room I would get the medium table the small one is pretty tight when you have six people sitting at it.
This is the most stunning place i have ever seen in my life...i LOVE that its so stark and looks like a showroom. I dream of living in something like this someday.
I spent all day yesterday painting my apartment and was kind of proud of it...but after seeing this my place looks like an immature kids house....
Thank you for inspiring me and hopefully in a few years when i can afford to buy and start settling into something, i can begin to try and create something 1/10 as spectacular as what you have...
PS: out of curiousity, what do you do for a living and how old are you? (sorry, if that is too personal! and feel free to answer it over email instead if you choose...)
Hej Andreas!
Vill bara skicka en hälsning till dig om vilken fantastiskt fin lägenhet du har fått. Kul med detta reportaget också. Verkar som de flesta tycker om det. Skulle vilja sno lite idéer från din lägenhet och applicera på vår egna lägenhet.
Ha det bra!
Lars Augustsson
(Sorry for not writing in English)
Wow. This is where I'd want to live. It's modern and fresh and totally livable. LOVE it. I'm glad you included the before pictures - very gutsy to realize your vision so wonderfully
Love the place Andreas and it does not look like a showroom-it looks like your space.
This is quite a beautiful space, but too cold for my liking. I would have left the ceiling beams natural and maybe some section of the brick unpainted as warm notes in the space. But then, I love the look of ceiling beams and a contrast of wooden beam with white ceiling would have been stunning. It does look VERY glossy magazine worthy. Congrats for having the organization and determination to live like this.
beautiful place. where can i find the bulbs hanging over the dining table? thanks.
This is delightful - the feeling of openness and the carefully chosen pieces. I especially love the elevated office and bedroom, the dining table, and the alternate use of the IKEA cabinets as living room storage.
Is that the Havana sofa? It is one that we have considered purchasing if we buy a loft.
Congratulations on your lovely space!
Very sleek and sophisticated. I dig the use of IKEA cabinets in the living room for storage. I would love to see some art on the walls though.
Hey NJ,
The kitchen light I bought them at Bright Electrical Supply on 1401 w Washington Blvd. I made the whole thing and then wired it in to a box. Any specialty electrical supply stores would have this stuff. Good luck,
Erin, Yes it sure is the Havana Sofa from DWR its a great sofa for a loft and comfortable as well as functional. I used to have a fantastic looking Danish sofa design by Peter Hvidt it looked better than it felt so I hade to get something else.
Love the place! It's incredible and my dream place once we move (we're moving to brooklyn next spring hopefully). Question - I've seen that vertical bookshelf/shelving unit, but can't remember where. So where's it from? Thanks!
love the steel storage doors. Can you give more info on them?
This is beautiful! I love how simple and serene it is. Can you tell me where you purchased the storage cabinet that is right behind the sofa? It is lovely.
That is a GREAT space Andreas! The elevated office area is wonderful.
morgan - I believe the vertical bookshelf unit is the Sapien bookcase, available in two heights from DWR - http://www.dwr.com/productdetail.cfm?id=5280
CB2 sells something similar in a powder-coated aluminum tone finish - http://www.cb2.com/family.aspx?c=118&f=702&viewall=1
Erin T
Sara- The cabinet is an old Florence Knoll Wall/floor cabinet. Its pretty hard to find, I was looking for a long time for it but they are around last one I saw was at the action house WRIGHT 20 here in Chicago there is a store that used to have one as well.They will run you about $2000-$7000 just to let you know. I think its sold but they have a similar George Nelson one right now check them out and maybe give them a call
Good luck.
Stp – there is a link up top for the steel doors just click on it and it will take you to the people that I bought mine from. Give them a call they are really helpful. http://www.steelbuilding.com/
Thank you andreas for responding to my question! I thought the cabinet looked like Florence K., but was optimistic that it was another IKEA cabinet. Alas, you have confirmed my suspicions. I love Wright 20 but have never heard of retroinferno.com. It looks great;thank you for the tip.
Love the Ikea cabinets in the living room. You have a beautiful place. The scale of your furnishing choices are right on, especially your desk. I would love to know how you attached the curtain in your bedroom. I have done something similar in my bedroom, I took the wall to wall closet out and installed wire shelves onto the wall. I planned on putting a ceiling installed curtain track the whole length but do not know where to buy it. It needs to be flexible to curve in an "L" shape to hide the office area also.
Days later, I am still staring at these pictures.
Andreas....where is the television located now?
Walter- I do not like the look of a big TV or an LCD. I have a projector mounted in the ceiling, that I have hooked up to the cable box and my DVD player.
I project the image straight on to the wall, it works great.
Beautiful condo. I loved the sliding-door storage cabinet in living room(where is it from?) and the white one along the wall- is that from IKEA? My favorite store is Room and Board. I was planning to get a dining table from them very similar to your Piet Hein table, but not white.(http://www.roomandboard.com/rnb/coll.do?coll=RB3588&dept=RB111)
very cool, and it is not too DWR, its also warm and charming something alot of modern spaces dont have
why did you paint the floors instead of ebony stain?
just wondering, thanks~
Hi :)))))))))))))))
Are you still looking for a girlfriend?????? hehehe
Here I am! :D
hi andreas,
I love your place. I'm just about your neighbor behind UIC.
I'm getting a quote from steelbuilding-one for my laundry room and one for a bar.
they advised against the 605 if it's to be opened more than once a week. have you had any problems? I assume you are using it for a closet?
Any installation tips?
Any info would be great!
talk to you soon,
best house tour yet. by far. it DOES look like something i've seen before... but in an illums bolighus catalog. so fantastic.
Andreas, truly beautiful. I am relocating from NYC to Chicago and would love some advice. Is there some way I could email you? I'd love to know what the brand of porch paint is that you used, how many coats, and where you are in Greektown and why you chose it, since I don't know where I'm supposed to live (I don't know Chicago at all).
Thanks very much for your help!
This place feels so warm and bright. I love it all day!!
I love it! And I want to live there. Great job and wonderful design vision.
beautifully done, love to see this level of detail and success in execution.
I come back every now and then just to have another look at one of the nicest renovations I've ever seen... :-)
Wonderful job! I also wanted to know about the floors. I was thinking of doing mine in this dark color. Can this be done to parquet floors?
May I ask the source of the coffee table? I've been looking for something exactly like that!
I want to live there, absolutely perfect! The before and after pictures are quite a change!!


text:
An absent pulmonary valve is a rare heart defect.
In a normal heart, blood flows from the body into the right atrium and on to the right ventricle. Blood is then pumped out of the heart through the pulmonary artery to the lungs. The blood picks up fresh oxygen in the lungs. The blood returns to the left atrium of the heart and goes into the left ventricle. There it is pumped out through the aorta to deliver oxygen-rich blood to the rest of the body.
With this defect, the pulmonary valve does not develop properly. The opening where the valve should be is also narrowed. The defect causes the blood moving from the right ventricle to the arteries leading to the lungs to build up. This build-up causes swelling of these arteries that can put pressure on the air passages in the lungs.
The condition can be mild to severe. It usually occurs with other heart defects, like tetralogy of Fallot (a group of heart defects), or with an opening between the ventricles called a ventricular septal defect .
Absent pulmonary valve is a congenital defect. This means that the baby is born with it. It is not known exactly why some babies' hearts develop abnormally.
Risk Factors
Some risk factors for congenital heart diseases like absent pulmonary valve may include:
- Family history of congenital heart defect
- Child has certain chromosomal disorders
- Previous pregnancy with fetal heart abnormalities or miscarriage
Symptoms may include:
- Blue or pale grayish skin color
- Trouble breathing
- Coughing
- Poor feeding/poor weight gain
This condition can lead to heart failure . If your child has any of these symptoms, get medical care right away.
The doctor will ask about your child's symptoms and medical history. A physical exam will be done. Tests may include:
- Echocardiogram —an imaging test that uses sound waves to look at the size, shape, and motion of the heart
- Chest x-ray —an imaging test that uses low amounts of radiation to create an image of the chest
- Electrocardiogram —a test that measures the electrical activity of the heart
- MRI scan —a test that uses magnetic waves to make pictures of structures inside the chest
- CT scan —a type of x-ray that uses a computer to make pictures of structures inside the chest
- Cardiac catheterization —a test that uses a catheter (tube) and x-ray machine to assess the heart and its blood supply
Talk with the doctor about the best treatment plan for your child. Treatment options include:
Surgery aims to improve function and blood flow. In milder cases, closing the septal defect may be all that is needed. In other cases, surgery may be needed to repair the valve. A human or synthetic valve is used to replace the defective pulmonary valve.
Lifelong Monitoring
After surgery, your child will need to have regular visits with a heart doctor. Your child may also need to take antibiotics before some medical or dental procedures to prevent a heart infection.
In most cases, there is no way to prevent absent pulmonary valve in your child. Getting proper prenatal care is always important.
Revision Information
- Reviewer: Kari Kassir, MD
- Review Date: 06/2013 -
- Update Date: 06/20/2013 -


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HOME Houston Texans Gear Houston Texans Kids Houston Texans Kids Shoes & Socks less than $10 (7 items) Product ID: 837776
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Little hands and little feet are some of the most adorable traits found in kids. If they're decked out in Texans logos, though, that just makes them all the more charming! Adorn your little one's feetsies with these teeny tiny Roll Top socks. When unrolled, the cuffs display woven team logos and when rolled down, they present woven team names. No matter which way you decide to put them on your baby, it's an absolutely lovable portrayal of Houston pride that's sure to last longer than a lifetime!
- 75% Cotton/25% Stretch nylon
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- Woven graphics
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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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Worldwide MINI Sales up 12% for 2012
MINI sales continue to climb with the addition of the Countryman A total of 32,421 MINI brand vehicles were delivered worldwide to customers in March (prev. yr. 30,690 / +5.6%) and 68,210 (prev. yr. 60,860) vehicles were sold in the first quarter of 2012. This represents a sales increase of 12.1% compared with the first three months of last year and a new record in first quarter sales for the brand.
Continued strong demand for the MINI Countryman contributed to the brand's positive performance in the first three months. With 22,001 vehicles delivered, sales climbed +36.8% over the same period last year (prev. yr. 16.079).
Source: MINI Press
Written By: MF Staff
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Customer Reviews
5 Item(s)
- not the same as prior years
- Rating
i have from last year, this years model is not even close. last years was heavy soft material. this years model a cheap and light weight thus can not recommend. love last years, not this one...
Posted on 1/19/2012 by bud
- rough edged hoodie
- Rating
I own this in green. It's my favorite sweatshirt. It's warm and soft. The lettering gives it such a vintage look I always get compliments on it. It's the first one I take off the hanger when I reach for a hoodie, and there sure are a lot of hoodie days in Duluth!
Posted on 7/20/2010 by marcia
- Great
- Rating
The green is a great color
Posted on 7/15/2010 by lchanson
- Great
- Rating
This is my favorite Sweatshirt!
Posted on 7/15/2010 by lchanson
- Super comfortable
- Rating
This has become my favorite sweatshirt.
Posted on 7/15/2010 by ohanls1
5 Item(s)


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Cleveland Browns coach Mike Pettine came into Monday's game planning to announce his quarterback for the regular season opener in the next couple of days.
However, neither highly touted rookie Johnny Manziel nor holdover Brian Hoyer played very well in Cleveland's 24-23 loss to the Washington Redskins Monday night, leaving the Browns in a quandary.
Although he was just 7-for-16 passing, Manziel managed to create some controversy by extending his middle finger toward the Washington Redskins bench after a third-quarter incompletion.
He was not penalized for his action, but the NFL may fine him after reviewing his actions on tape.
"I should've been smarter," Manziel said of his gesture. "It was a Monday Night Football game -- the cameras were probably solidly on me."
Manziel has often made headlines for his suspect behavior, and this incident did not endear him to his coach.
"It does not sit well... disappointing," Pettine said.
The gesture occurred with 2:28 left in the third quarter. After a second-and-7 pass attempt fell incomplete, Manziel trotted back to the huddle and extended his right finger over his shoulder toward the Redskins' bench as if reacting to something that was said.
That move is unlikely to help Manziel win the starting job with the Browns, who continue their search for a quarterback.
Neither Manziel, who became the first freshman to win the Heisman Trophy in 2012, nor sixth-year journeyman Hoyer had distinguished himself in Cleveland's 13-12 loss to Detroit in its Aug. 9 preseason opener either.
On Monday, Hoyer finished 2-for-6 for 16 yards. Manziel, who got equal time against Washington's starting defense before playing the entire third quarter, passed for just 65 yards, the last eight yards coming on a toss to running back Dion Lewis for a touchdown that closed the Browns' deficit to 14-10 with 13:33 remaining.
That 16-play, 68-yard drive consumed 8:15 and might have been huge for the rookie, who posted a 76.3 passer rating on the night.
Manziel was 5-of-14 for 49 yards before completing his final two passes. He was also sacked three times. Hoyer went down once while posting a 42.2 passer rating.
The Browns took a 17-14 lead when veteran safety Jim Leonard intercepted Redskins third-string quarterback Colt McCoy's first pass and returned it 19 yards for a touchdown with 12:19 to go.
Pettine, a defensive specialist, will surely rely heavily on offensive coordinator Kyle Shanahan in making the choice between the headier, less talented Hoyer or Manziel, who has a bigger upside but much less of a handle on the offense.
Although he might not even start for a team that went 4-12 last season, Manziel is already one of the NFL's most scrutinized players because of his extraordinary athletic gifts and his well-publicized love for nightlife. In the first two-plus months after the Browns drafted the former Texas A&M star, Manziel's jersey was the league's top seller.
Hoyer's first two series Monday were ugly. He did not seem to be ready for the first snap and was sacked for a 6-yard loss. Tight end Jordan Cameron dropped Hoyer's pass on the next play before a draw preceded a punt. When the Browns got the ball back, Ben Tate ran twice before receiver Andrew Hawkins couldn't hold Hoyer's low throw.
Manziel didn't start any better when he took over for Cleveland's third series. After Tate gained five yards, Manziel threw behind running back Isaiah Crowell on second down before he was dropped by Kerrigan to force a punt.
Manziel's second series, which began at the Washington 1-yard line, was better. He hit tight end MarQueis Gray with a screen for 17 yards and neatly fit in a 12-yard completion to Hawkins while on the run. However, Manziel's next three plays were a one-yard loss, another Cameron drop and an ugly throw behind receiver Josh Gordon.
Hoyer then took over again to get some work against Washington's backups. Fortunately, the Browns had the ball at the Redskins' 15 after a 43-yard interception return because Hoyer and Co. managed just three yards before Billy Cundiff kicked a 29-yard field goal to give Cleveland a 3-0 lead with 4:58 remaining in the first half.
When Hoyer finally completed a pass after six incompletions, Gray fumbled and the Redskins recovered.


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Benzie County Council on Aging
10542 Main St.
Honor, MI 49640
Thursdays, 1:00 - 3:30 pm
June 6 - July 18, 2013
Personal Action Toward Health Workshops
The Stanford University Chronic Disease Self-Management Program (CDSMP), called PATH (Personal Action Toward Health) in Michigan, is a free six-week workshop for managing long-term health conditions. The workshop for adults of all ages, does not replace regular medical treatment, but helps participants learn practical skills to manage their health condition on a day-to-day basis. Family members, friends and caregivers are welcome to attend the sessions, too.
Call (800)442-1713 for more information.


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Posts tagged noah scalin
Your daily source of inspiration for creative reuse and mindful consumption.
Join us on Facebook and Pinterest, too.
[Background on, & press coverage of, Unconsumption can be found here and here.]
Consumption is a word used to describe acts of acquisition – generally, the acquisition of things, in exchange for money.
Unconsumption is a word used to describe everything that happens after an act of acquisition.
Unconsumption is an invisible badge.
Unconsumption means the accomplishment of properly recycling your old cellphone, rather than the guilt of letting it sit in a drawer.
Unconsumption means the thrill of finding a new use for something that you were about to throw away.
Unconsumption means the pleasure of using a service like Freecycle (or Craigslist, Goodwill, or Salvation Army) to find a new home for the functioning DVD player you just replaced, rather than throwing it in the garbage.
Unconsumption means enjoying the things you own to the fullest – not just at the moment of acquisition.
Unconsumption means the pleasure of using a pair of sneakers until they are truly worn out – as opposed to the nagging feeling of defeat when they simply go out of style.
Unconsumption means feeling good about the simple act of turning off the lights when you leave the room.
Unconsumption is not about the rejection of things, or the demonization of things. It's not a bunch of rules.
Unconsumption is an idea, a set of behaviors, a way of thinking about consumption itself from a new perspective.
Unconsumption is free.
Founder & Editor: Rob Walker, journalist, Savannah, GA
Editorial & Community Manager: Molly Block, marketing and business development geek, Houston, TX
Brian W. Jones, designer & writer, Göteborg, Sweden
Deirdre Nelson, ever threading artist, Glasgow, Scotland
Shanna Trenholm, writer. catalyst. force of nature. San Diego, CA
* * *
Alumnus & Unconsumption logo creator: Clifton Burt, graphic designer, Portland, OR
Further information about Unconsumption can be found here.


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Main Content
Carry your keys in bold Lady Bears style with this key strap featuring vibrant Champs graphics on both sides. It also boasts a soft, silky texture and an easy-to-use lobster clasp — making for a fun, comfortable and functional show of pride for your 2012 NCAA Women's National Champions!
- Attached key chain with swivel lobster clasp
- High-quality team graphics
- Measures 9.5" in length (including key ring and clip)
- Officially licensed collegiate product
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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INGLEWOOD, Calif. (August 2, 2010)-An innovative horseracing iPhone application featuring a wealth of content from Hollywood Park is now available. The App is called iGoRacing (video) and can be downloaded for free right from your iPhone on the App Store.
Among the information at one's fingertips are up to the minute racing news, workouts, condition books, overnights, plus program changes, scratches and simulcast menu offerings.
Special events, concert information and upcoming promotions can also be tracked at the Home of Champions via a real time calendar built into the application. There is even an event planner to help plan your group event and forward the information instantly to group sales.
A handicapping tab features live tweets with pre-race paddock observations from Tom Quigley of HorsePlayer Magazine as well as selections from experts Brad Free and Mike Superstein. Users have easy access of streaming video replay footage of stakes and other featured races on Hollywood Park's YouTube channel.
Racing fans that download the App can win one of the 100 rare Zenyatta bobbleheads which will be given away in a drawing. To enter, download iGoRacing and then provide feedback on a favorite feature by email to firstname.lastname@example.com by end of day August 15th.
Phase II development of iGoRacing is well underway and will greatly enhance the existing App by featuring live streaming video of the Hollywood Park Fall Meet that begins the first week of November.
Copyright © 2009-2014, Hollywood Park. All rights reserved.


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Tejay van Garderen of the BMC Racing Team increased his lead at the USA Pro Challenge Friday by winning the uphill, individual time trial in record time and leading a trio of teammates who also finished in the top 10.
Surprised To Win The Stage
Van Garderen powered his BMC timemachine TM01 across the finish of the 16.1-kilometer race to stop the clock at 25:01 and better the record of 25:47 established two years ago on the course that was often used in another major Colorado race, the Red Zinger (1975-79 and Coors Classic (1980-88). "It was certainly a hard effort. I don't even know how to describe it," van Garderen said. "Your lungs are searing up there in that thin air. Van Garderen said he was actually surprised to hear he had won the stage – his second in the race that has previously seen him finish third overall in 2011 and runner-up last year. "You could see on TV that my cadence dropped and I kind of died there in the last two kilometers," he said. "I was still paying for my effort in the beginning, which I thought was conservative." After leading by 32 seconds at the intermediate time check, van Garderen's winning margin was four seconds over Garmin-Sharp's Andrew Talansky and 62 seconds better than Talansky's teammate, Tom Danielson. BMC Racing Team's Steve Cummings and Larry Warbasse finished fourth and fifth, respectively, 1:04 and 1:12 back, while a fourth BMC Racing Team rider, Mathias Frank, remained second overall by finishing 10th, 1:26 behind.
Frank Remains Second Overall
With two days of the race to go, van Garderen leads Frank by 1:30. Danielson is third, a further 12 seconds back. Frank said he tried not to "blow up" and just ride a good rhythm on a tough course he said was made harder by the altitude. "Tejay was just riding on a different level, in a different universe, he was super strong," Frank said. "It was really cool to see how the team performed. It was just amazing." Frank said his performance is surprising even himself. "I am still struggling with altitude, like everybody does here," he said. "I am not feeling super, but apparently I'm going good. If you don't feel good and you're still second on the GC (general classification), that's nice." BMC Racing Team Assistant Director Jackson Stewart said he isn't too concerned that the effort van Garderen, Cummings, Warbasse and Frank – who won Stage 2 on Tuesday – put out Friday will come back to haunt them. "The great thing about this race is that we really positioned ourselves to where we didn't have to do any work too early," he said. "We have two more stages to work. I think we're in fine shape."
Listen to complete comments from Frank, Stewart and van Garderen on the BMC Racing Team Audio Line.


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Law firm financials can be shrouded in mystery. Sure, the American Lawyer releases its closely watched and highly influential Am Law 100 rankings each year, which shed some light on the subject. But these numbers are not Gospel truth, and sometimes they get restated — which is what happened last month to Dewey & LeBoeuf.
Making a material misrepresentation to the American Lawyer doesn't violate the securities laws. Making a material misrepresentation in connection with the purchase or sale of any security — well, that's more problematic.
Let's take a closer look at a subject we mentioned last night and again this morning, namely, the offering memorandum for Dewey's 2010 private placement of $125 million in bonds….
Note: we've added UPDATES, after the jump.
Continue reading "Dewey Violate Rule 10b-5? A Detailed Look at the Firm's 2010 Offering Memorandum"


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Code:Name: Self explanatory. Founder: Self explanatory. History of the Clan: This section will include a background story on how your specific clan was conceived, where the clan came from and how. It should be detailed enough so that anyone who looks at your clan would be able to tell something very specific about it. Special Abilities: This is, by far, the most important section of your entire profile and should be where you spend the most time. In this section you will describe your clans abilities and the mechanics behind the abilities. As far as approval goes, this section will be under the most scrutiny. Location: It can be a village, a meeting place, a headquarters or something of the like. It does not have to have a hard section on the forum. Purpose: Discuss why your organization exists and what they want to accomplish. Special Info: Discuss a ranking system [if applicable] and other conditions of members or the organization itself. Requirements: How does one become a member? What do they have to do? Can you be kicked out and, if so, how?
-To submit a Custom Clan you must be a Sage and complete the special mission set by Rei; Then you need to gather at least 3 members who are ready to join you to start off.
-Vision KGs will not be allowed; we have enough of them already, so if you want a custom KG you need to base it on existing elements and just push them a little further.
-Keep it as realistic as possible. If you want your clan to be able to fly around like superman, better forget about it before you even submit. If you're having trouble finding something that would make your clan plausible, attempt using an advanced element. An advanced element is a valid basis for most if not all abilities.
-No Revival of Dead Clans
-No combining of any known KG (like Sharingan + Byakugan etc)
-The maximum population of a Village-Clan is restricted to 25 members.
- If your custom Clan gets approved, then you have to create a group with the name of your village-clan. Once you get 10 members you can create a forum and there you will be responsible for the ranks, training, battles, wars given, in and of your clan. The group must be moderated and you will be in charge of keeping your students/fellow villagers away from trouble.
I will be periodically checking to see if you have set up your Clan's rules and you enforce them properly.
That's all; Hope you like it, you can start submitting.
~Based off on anbu Itachi's idea
By submitting in this thread, u are bound to obey to all rules; also, Rei keeps all rights to decline the submitted custom clans, pointing out no reason, and no improvement suggestions. However, the submitter can always fill out a complaint and PM it to me, then we will handle it in private.


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Main Content
Working out consists of a game of one-on-one between you and your best bud. You love to play on the courts on campus – every once in a while, you guys even get a few spectators. Show off your OSU spirit next time you're on the court with this terry cloth headband! As you dribble and shoot, this stretchy terry cloth band will stop the sweat dead in its tracks. It features an embroidered OSU logo on the front, so your undeniable Buckeyes spirit will be on display as you slam dunk yourself to victory!
- 93% Cotton/7% Stretch Nylon
- Made in the USA
- Officially licensed collegiate product
- One size fits most
- Quality embroidery
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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A-Z Health Topics
Return to Index
Hyperbaric Oxygen Therapy
(Hyperbaric Oxygenation; Hyperbarics; Hyperbaric Medicine; HBOT; HBO2)
Reasons for Procedure
- An air bubble (embolism) which gets into the circulatory system and blocks blood flow
- Decompression sickness , which can occur when divers or miners come to the surface too quickly
- Carbon monoxide poisoning
- Wound healing, especially in patients with poor circulation
- Radiation therapy injuries following treatment for cancer
- Skin grafts , flaps, or burns
|Carbon Monoxide Poisoning
|Copyright © Nucleus Medical Media, Inc.
Possible Complications
- Mild discomfort
- Nearsightedness (myopia), which can last for weeks or months
- Sinus damage, ruptured middle ear, or lung damage
- Damage to the ear drum (tympanic membrane)
- Oxygen toxicity, which can cause seizures , fluid in the lungs, or respiratory failure
- Worsening symptoms or increased risk for lung problems in people with congestive heart failure or lung disease
What to Expect
Prior to Procedure
- Wear comfortable clothes.
- Bring a book or an activity that you can do in the chamber.
Description of the Procedure
- Relax and breathe normally.
- If your ears pop or you have discomfort, tell the technician. She may be able to lower the pressure.
- Swallow or blow with your nose pinched to relieve discomfort.
- After getting to the right pressure, place a clear plastic hood or mask over your head. This will deliver oxygen to you.
Immediately After Procedure
How Long Will It Take?
How Much Will It Hurt?
Average Hospital Stay
Post-procedure Care
Call Your Doctor
- Discomfort or pain in your sinuses or ears
- Onset of seizures
- Vision problems
- Cough, shortness of breath, or chest pain
Divers Alert Network http://www.diversalertnetwork.org
The Undersea and Hyperbaric Medical Society http://www.uhms.org
Health Canada http://www.hc-sc.gc.ca
Healthy U http://www.healthyalberta.com
Greensmith. Hyperbaric oxygen therapy. University of Iowa Virtual Hospital website. Available at: http://www.uihealthcare.org/hyperbaricmedicine/. Updated August 2007. Accessed September 7, 2009.
Hyperbaric oxygen therapy. American Cancer Society website. Available at: http://www.cancer.org/docroot/ETO/content/ETO%5F5%5F3x%5FHyperbaric%5Foxygen%5Ftherapy.asp?sitearea=ETO. Updated November 2008. Accessed September 7, 2009.
Hyperbaric oxygen therapy. Mayo Clinic.com website. Available at: http://www.mayoclinic.com/health/hyperbaric-oxygen-therapy/MY00829. Updated October 2009. Accessed November 18, 2010.
Revision Information
- Reviewer: Marcin Chwistek, MD
- Review Date: 12/2013
- Update Date: 01/15/2014


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Although a mandatory (or voluntary) change to IFRS for U.S. public companies is no longer in the foreseeable future, IFRS is increasingly relevant to many U.S. companies, big and small, public and non-public, because of: (i) cross-border M&A activity; (ii) the reporting needs of non-U.S. stakeholders; (iii) the IFRS reporting requirements of non-U.S. subsidiaries; and (iv) the U.S. GAAP changes resulting from the boards' coordinated efforts. Being accounting "bilingual" in the U.S. is increasingly important.
IFRS and US GAAP: similarities and differences - 2014 edition10/20/14 | US GAAP and IFRS Convergence
PwC's publication will help you develop a broad understanding of the major differences between IFRS and US GAAP. It also contains insight on recent and proposed guidance, including developments pertaining to the overall convergence agenda. Read more


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Cloth Dog Coat $70
Keep your dog protected from the elements with this trusty coat. With its oil finish, the coat repels rain and the wool lining keeps your dog warm. Velcro secures the jacket in place and allows for size adjustments.
Cord Felt Hat $98
When the weather turns chill and foul, cowboys turn their collars up and switch to the warmth and water-resistant protection of a wool brimmed hat. Westerlind's updated version features a slimmer silhouette, a neck strap and is American-made from 100% wool.
Papier d'Arménie
1900 Box $34
With its brand revival, Papier d'Arménie preserves its original early 20th century aesthetic on packaging for aromatic items such as their 1900 Box containing 12 booklets of 36 incense-like perfume strips.
Modern Apron $90
There's a saying about breaking free from the ties of apron strings to remember here, but no matter—Mill Valley, CA textile company Ambatalla has created a thoroughly modern smock that's not only string-free and functional, but stylish. Available in denim and gray ticking stripe, this is a piece you won't mind leaving on between courses or projects.
Chris Stein / Negative $36
40 years ago, Chris Stein and Debbie Harry co-founded one of the most influential punk rock bands in Blondie. Stein, a photography student at NYC's School of Visual Arts, was already documenting the scene that they would help define. From those early moments forward, he turned his lens on scenes made available only to someone deeply embedded in their culture. Across 250 color and black and white photos, Stein's work now appears in one conclusive volume: "Chris Stein / Negative: Me, Blondie, and the Advent of Punk."
Space Walk T-Shirt $48
Brooklyn-based illustrator Paul Tuller has taken his drawings out of this world with his astronaut-inspired (NASA's Ed White to be exact) t-shirt. Each one is hand-printed in small batches, and sure to inspire some cosmic vibes.
RMS Beauty
Raw Coconut Cream $18+
Coconut oil has emerged as something of a magic elixir of late, and RMS Raw Coconut Cream lives up to the hype. Imagine a natural, organic version of your grandmother's cold cream that, on top of working as an all-in-one makeup remover, cleanser and moisturizer, nourishes hair and lashes and soothes sunburns like only the wonder oil can do.
Marrakech Intense Fragrance $79
Move over patchouli, this intensely musky scent delivers a potent dose of clove, jasmine, and orange that will satisfy any haute hippie's nose. Developed with the help of French perfumer Barnabé Fillion, the oil-based unisex fragrance takes its narrative from the rich spice culture of Morocco and doesn't disappoint.
Cassandra Yap
EROTIC A-Z Print $50
A passion for vintage pin-ups led to artist Cassandra Yap's "EROTIC A-Z" alphabet prints, in which each letter features of a spicy photomontage. Printed on thick 315gsm fine art paper, each "naughty letter" is signed by the Singapore-born, London-based artist.
Bairro Alto
AltoAir $58
The AltoAir pour-over coffee filter combines form and function, Made in the UK from 100% stainless steel, AltoAir overcomes the problem of paper filters sticking to the brewer, resulting in inconsistent extraction.
MoMA Membership $85
Featuring unlimited line-free admission to the museum, early exhibition previews, free films and $5 guest tickets, a MoMA membership is one of the best deals you can get this holiday season. This is something that everyone with an eye for culture in the NYC area should have.
Dorothy Iannone: You Who Read Me With Passion Must Forever Be My Friends $35
In her search for "ecstatic unity," celebrated artist Dorothy Iannone creates beautifully subversive works that boldly explore sexual liberation and feminist ideologies. Her progressive image+text style is at once surprising, thoughtful, inspiring, profane, humorous and taboo-shattering. This brilliant compendium binds together a half-decade of familiar and rarely scene works for an in-depth look at Iannone's signature style.
Eleven Design Studio
Twoolies $29+
What your life has been missing is a glittery wool sheep. Eleven Design Studio's Twoolies are designed by architect Sindy Posso and made by hand by a group of Tzotzil Mayan weavers based in southern Mexico. No two are alike, and each one is just as adorable as the next.
Jackson Pollock Chocolates $32
Chocolate and art might be two of life's most enduring superfluous pleasures, and Mexican design group Unelefante marries the two impeccably. The Pollock Chocolates come in a set of three bars of 54% Colombian cacao, handpainted with Jackson Pollock-inspired strokes of vibrant color.
Fig + Yarrow
Cardamom + Coffee Body Scrub $48
A body scrub you have to purposely refrain from eating is a body scrub worth slathering all over your body. Fig & Yarrow's Cardamom Coffee Scrub lends the riches of its namesake spice and bean for antioxidizing, firming and exfoliating effects.
Bata Tennis Shoe $60
Generations of Indian school kids have had the shoes comprising their traditional phys-ed uniform co-opted for street style. The Bata Tennis is a classic, 100% cotton kick with green pinstripes around a thick sole with simple white laces.


text: Two hillbillies walk into a restaurant. While having a bite they talk about there moonshine operation. Suddenly a women at a nearby table, who is eating a sandwich,begins to cough.After a minute or so, it becomes apparent that she is in distress. One of the hillbillys looks at her and says, Kin ya swallar?.The women shakes her head no. Then he asks kin ya breathe?.The women begins to turn blue, and shakes her head no.. The hillbilly walks over to the women, lifts up her dress, yanks down her drawers and quickly gives her right butt cheek a lick with his tongue.The woman is so shocked that she has a violent spasm, and the obstruction flies out of her mouth.As she begins to breathe again. The hillbilly walks slowly back to his table. His partner says 'ya know, I'd heerd about that there hind lick maneuver but I aint never seen nobody do it..


text:
RebTalk featuring head coach Andy Kennedy begins this Monday at 7 p.m. live from Buffalo Wild Wings in Oxford.
Click here for the original story.
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What makes VICTOR DEAN TRAINING different?
We don't do sales. VDT does fitness.
I have spent my life studying and practicing physical fitness and nutrition so that I can assist you in achieving your goals as efficiently and effectively as possible. The VDT Extreme Results program is designed to ensure that every member has the same experience with us. I have trained and certified every trainer involved in the program and am confident we will meet your needs. Should any specific challenges or questions arise, I am here to consult and oversee the evolution of your program. We are unique and we pride ourselves on offering you the best training experience possible. Whether you're a child with a disability, a tennis player with an ACL injury, or you're looking to drop a few pounds along with that cholesterol medication, we're here to help. We welcome members of all ages and abilities. If you're thinking that VDT is only for serious athletes and fitness buffs, think again. Here's what our typical member looks like and why we may be the right fit for you:
Members in 30-50+ age range usually value things like education, cleanliness, no waiting, and excellent customer service. Younger people in their twenties may be more likely to seek the social aspect of a large commercial gym with hundreds of people to meet.
Located on the corner of Sheridan Drive and Evans, our location is very convenient if your travels bring you to this area of Western New York. Our parking lot is very accessible and we are a mile or less from Main Street, the 290, and the I-90. We do have customers who regularly commute from places like Ellicottville and Orchard Park to see us but the majority of our members live or work within 15 minutes of the club.
Members with an education will generally value our educational background. We have degrees from major universities while many trainers at large commercial gyms have certifications attained over the weekend or online. If you are looking for advice from fitness professionals who have spent years studying exercise and nutrition, this is the place for you.
We have many families who enjoy our facility together. In addition to the usual gym equipment, we provide climbing walls and fitness programs for kids of all ages. We also offer training for seniors with a vast array of physical conditions or those recovering from a surgery or a fall. We do our best to play age appropriate music and we value health over beauty when it comes to working out.
Many of our members are coming to VDT because they have serious goals and/or injuries. We regularly have members losing 20-40 pounds, getting off medications, and coming back from debilitating injuries. From lowering their cholesterol and getting off statin drugs to finally dropping that unwanted weight for their wedding, our members are coming to us because we are results oriented.
Our members tell us regularly how fun and friendly the environment is. We have business people, athletes, average Joes, and soccer moms. Everyone here greets each other with a smile. We aren't looking to sign up members by the hundreds. We screen our members before allowing them access to our facility, and it shows.
Please contact us to set up a tour and an interview. Whether you're interested in signing up for a gym membership or you're looking to get involved in one of our structured programs, this is the place to get results and have fun doing it. I look forward to seeing you and your family soon!
– Victor Dean
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So the other day, I take my scepter out(black carbon finish, same for limbs) and start cleaning it, waxing the string etc... So it's sitting there and I'm looking at it. Suddenly I don't just see a bow but a canvas.
Keep in mind, theatrics aren't my thing. So this is a bit off the beaten path for me, I tend to prefer things simple, elegant. Back to the point. I shoot my bow pretty bare. A simple prong rest, a short stab and a wrist strap. So without a sight, quiver, large stab etc... there are a lot of unused threads. I started picturing some simple (and as lightweight as possible), coverings for the riser. The way I pictured it, they would fit right in the cut outs of the riser. You could strap those on, add wtvr design you might want. A bit like the kind of thing you might see on a harley and such.
Completely impractical I know but damn, that could really bring the "growl" out of our martins.


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Hi, im new to the forum and own a K7 pentax, problem being i am noticing some very heavy blooming effect when taking basic test shots, i have not had the camera in the field yet, but i am concerned about the quality of the lens.
i'ts noticable on parts of the image where it goes from focus to dof and makes it look like a steamy room, or an old playboy mag warming effect.
I cant believe the lense is that poor, although i do appreciate that, the lense is a price saving part of the kit.
however you do not expect it to this degree on a £900.00 camera
anybody else having the same issue?
is it something that can be sorted with firmware (ie, lense correction) or is a new lense needed.?
Other then that... i am very impressed with the camera, and the build quality is unbeatable in my opinion.
ive owned the k100 super, the k10d, prior to this camera and its a noticable improvement on focus time,and continuous shots,but image quality isnt that far ahead, sure the size is larger being 14.5mb but theres no noticable changes to the images.


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Buying & Selling Homes
What does it mean to sell a house on Land Contract?
I'm just about ready to put my house on the market (DH died 1 1/2 yrs. ago and I've been selling farm equipment, finding a smaller house for me near my daughter and getting the old house cleared out (DH was a pack rat) and presentable). The farmer that has been renting the barn for 1 1/2 yrs. said he is interested in the house and property (on 22 acres) but wanted to know if I would be interested in possible a Land Contract. Told him I might be but I'd have to look into it.
What are the pros and cons of a Land Contract?
My "old" house is paid for and appraised for $180,000. After the down payment on the new house, I still owe $76,000. I was hoping to take money from the sale of the old house to pay off the new house. BTW, I'm 66 yrs. old and living on social security.
I don't mind coming to work. But that 8 hr. wait to go home is a drag.
As in all real estate this can probably vary by state.
In SC a land contract means you hold the deed to the property until it is paid off as opposed to owner financing where the buyer receives the deed to the property at closing.
Either would be set up with a predetermined down payment, interest rate and amortization schedule. Frequently with traditional owner financing there would be a balloon payment due at the end of a set number of years.
Both of these purchase vehicles are frequently used to help facilitate a transaction when it is an unusual property or the buyer is not able to obtain a traditional mortgage.
Definitely something to discuss with your attorney. Unless the buyer is will to make a substantial down payment it will not payoff your new home. They will provide an income stream to supplement your social security.
Fun and Info
I am sure I am not thinking of everything but here are some pro and con's.
Pros: You get your selling price PLUS interest; you get a monthly income while still owning the property; it is often faster than a conventional loan; if they buyer defaults you have to home to sell again.
Cons: You do not get all the money at once; if the buyer does not pay you will have to go thru legal things to get them removed; you may have to do extensive repairs before it can be sold again.
There is no right answer. You will have to decide what is right for you. If you do decide to sell on land contract be sure to consult and attorney.
I have another question. If something goes wrong with the septic tank or sump pump or any other thing connected with the house or barns, who pays for this? Or is this something that is worked out in the contract?
I don't mind coming to work. But that 8 hr. wait to go home is a drag.
You have sold the home (though on a time payment plan) so they are responsible for all maintenance.
I would investigate why the buyer wants this, is your house a difficult sell, if so it might be worth considering.
If not try the open market on the MLS, you will cash out and be done with it.
Check with an real estate attorney or Realtor to see what "land contract" means in your state...
In Florida is like an agreement for Deed. Highly recommend an attorney draw up all the documents including sales contract and closing documents.
The mortgage instrument can be quite flexible to include equipment, offer creative financing i.e. interim principal payments other than monthly payments that can range into the thousands, as well as a balloon payment after whatever number of years you are willing to hold the mortgage . For instance, a 30 yr. amorization with a 5 year balloon - as an example.
You can also draw up the document with additional provisions, right to inspection of property, property to be maintained, tax and insurance yearly receipt or can even escrow taxes and insurance in the payment.
Check him out first, criminal record, credit report, employment etc. Protect yourself.This message has been edited. Last edited by: real estate lady,
indycatCarol, Are you still here? There have been several well-thought-out posts to your originating thread but haven't seen you post back once yet.
I do have knowledge of Land Sale Contracts but will not waste even a moment of my time unless you are willing to invest your time as well. So far, doesn't seem like it. You started this thread and disappeared just as fast so why should I spend time when it appears it was just a frivalous question on your part with no real desire to learn the answer?
Let us know if you are serious....
I'm sorry I didn't get back to this. I had a sick kittie and I finally had to have her put to sleep. Tried to spend as much time with her as possible. Sorry to get your panties all in a ruffle.
I don't mind coming to work. But that 8 hr. wait to go home is a drag.
indycatCarol, I am so sorry to learn the reason you never posted back and even sorrier about the outcome. You were right to spend as much time as you could with her instead of posting here and you have my sincere condolences for your loss.
I post often on the Pet Board here on this forum and most everyone who has read my posts knows how much I love cats ~ right now I have six indoor "onlies" ranging in age from one year to 19+ years ~ so I understand just how profoundly the illness of one of our fur-babies can disrupt everyday life and, rightly, cause everything else to take a back seat.
However we had no idea what was happening so your last sentence ~ "Sorry to get your panties all in a ruffle" ~ was a bit uncalled for.
I'm sorry, I guess I just thought " but will not waste even a moment of my time unless you are willing to invest your time as well. So far, doesn't seem like it. You started this thread and disappeared just as fast so why should I spend time when it appears it was just a frivalous question on your part with no real desire to learn the answer? " was kind of coming down on me without knowing the reason for my absence.
I spoke with the gentleman today that would like to do a land contract. So I would be very interested in what you have to tell me about it.
Here is my Ethel about a week before I had her put to sleep. She was 9 yrs. old. I still have 6 other cats ranging from 11 yrs. to 15 yrs.
I don't mind coming to work. But that 8 hr. wait to go home is a drag.
indycatCarol, Ethel was such a beautiful cat and I know your heart is hurting... Thanks for posting back; take a deep breath and know that many others are with you. I'm so sorry if I added to your pain ~ I never meant to ~ can we start over? Land Sale Contracts can be quite complicated; I have posted quite a bit about them some time ago so will have to see if you can retrieve them from the archives.
I'll go now to see if it is possible...again, my condolences on Ethel's passing.
Indycat. "land contract" may differ by state or locality. Hold off verbally accepting an offer until your understand leagaleese... don't sign a sales (or lease) agreement before consulting a lawyer who is not affeliated with prospective buyer.This message has been edited. Last edited by: tessa89,
Idaho Resident, the only thing I'm finding in archives are this discussion.
I will try to contact a lawyer tomorrow and see what they have to tell me.
Thank you ALL for your comments.
I don't mind coming to work. But that 8 hr. wait to go home is a drag.
IndycatCarol, I'm sorry that you weren't able to find a rather long post I posted some years ago about Land Sale Contracts ~ it's still there but it will take time to locate ~ more time than I am willing to invest!
Bottom line if you want to find it, click on my user name and go to my profile, then click on "earlier posts" and search ~ good luck ~ there are 219 pages and counting and I didn't find the one I wrote some time ago that addressed your particular situation - sorry as it really did speak to all of your questions... oh, well.
So you are thinking about entering into a Land Sale Contract with someone who wants to purchase your family farm of 22 acres? First, a disclaimer, as laws vary widely between states, anything I post here needs to be "vetted" by qualified CPA's and attorneys in your jurisdiction but a land sale contract can be mutually beneficial for both buyers and sellers.
A Land Sale Contract simply means that you are holding the deed as just as a bank would do, you will receive the payments PLUS the interest but the property is the buyers property and they are responsible for everything that happens there. They maintain the property, pay all associated costs ~ you are NOT a landlord. However, should they fail to make the payments and decide to walk away, you will be left with what remains behind. So, choose wisely, these agreements can be golden for both sides or a disaster in the making....
It is crucial that you have an attorney well-versed in Land Sale Contracts to assist you along the way; draft the contract to anticipate every contingency and make sure your interests are protected.
Is this the way for you to go? Well, there probably won't be a lump sum at closing so that you can live mortgage-free BUT, instead, you might be gaining an interest-bearing asset that is better than what you might be able to invest on your own.
Up to you ~ sell now for a set price or take a chance on a Land Sale Contract? Decisions, decisions.... I know what I would do ~ the Land Sale Contract ~ but only after fully vetting the buyer. You won't get a lump sum to help buy your new place BUT you will be getting a monthly income that might be more than what you can safely invest ~ your choice, let us know what you decide.
I did speak with the farmer that wants the land contract. In fact, he has been renting my barn for the last 1 1/2 yrs. for some of his equipment. He has also helped me clear out "trash" and metal that was left in the barn after my husband died. We split all the "income" from the metal sales (he hauled it to the recycle place) and other items put in an auction he hauled for me. If I hadn't had 2 other farmers already renting some of the land, he would have rented that also.
I told him I would like to have a beginning lump payment enough to cover paying off my new house and he said that would probably be possible. So hopefully I can get THIS house paid off and get monthly payments.
Thank you for your help on this question.
I don't mind coming to work. But that 8 hr. wait to go home is a drag.
The prospective farmer sounds like a nice guy helping you clear out scrap metal, however before
quoting prices, check with a Realtor on Comps and Representation and have an attorney draw up the land contract.
I have talked to many sellers over the years who underquoted their sales price to a buyer because of lack of professional representation.
Be smart!
IndycatCarol, Glad you are going to consult with an attorney ~ it is crucial that you engage one to represent your interests, draft the contract and guide you through the process ~ just make sure that the attorney is well-qualified in the area.
Something I didn't mention before ~ if you decide to go with a Land Sale Contract, you REALLY should utilize an escrow holder to hold the documents, receive and disperse the payments and make the required disclosures to the IRS. Here in Idaho, many title insurance companies also act as escrow holders; ask the attorney what is customary in your state.
What documents? Well, usually there would be the following documents, at a minimum, although it might vary by state:
Contract of Sale of Real Property
Memorandum of Sale of Real Property - to be recorded with the county recorder's office so that tax notices are sent to the new buyer (since your name is still listed as the official owner of the property)
Warranty Deed from you to the new owners
Quitclaim Deed from the new owners back to you to be used in the event of a default
Escrow Instructions
You will also need to be vigilant in making sure that insurance is in effect and that taxes are being paid since you will remain the "official" owner of the property until the contract is satisfied.
It's good that the farmer is prepared to make a substantial down payment. Not only so you can buy the new place mortgage-free but, also, because the bigger the down payment, the better the chance that he won't let it go into default. And speaking of default, I would suggest a 30 day period, no longer. Good luck and let us know what you decide to do.
PS. I also agree with REL's comment to consult a realtor so that the price you agree with is fair to both you and the prospective buyer. Classic definition of fair market value is the amount a willing buyer will pay that a willing seller will accept.
...and when they go bad, they can go really, really bad. Took over two years, bankruptcy hearings, lawyers and a cash incentive to get the property back. Good news? We sold it again...for cash!
**Life isn't about waiting for the storm to pass...it's about learning to dance in the rain**
Have you tried to talk with a local expert about this? There are people that train for years to get an expert's title for a reason. With a simple review he could give you a competent reliable advice. I found a custom essay on real estate, only by reading it I realized I learned few interesting already.
Now why do I think that if I click on your link, allie, that it will take me to a commercial site? Hmmm ~ I know! Because the last post on this thread was November of last year and you are resurrecting it in order to post your link?
PS. Numerous previous suggestions to consult an experienced, qualified real estate professional ~ either agent or attorney ~ made that point in previous posts. So why the sudden interest in am inactive thread now? Did you read the "no advertising" prohibition before registering?
You can get exact profit on Land for Sale. Selling a land is a very beneficial investment and helps to get the right value of a property. http://highmeadowtexas.com/builders.php
Albionthompson, your post has nothing to do with this topic, just an advertisement, which as you probably know, ISN'T ALLOWED!!!!
I don't mind coming to work. But that 8 hr. wait to go home is a drag.
Indycar- don't do anyting without a good Rel Estate Attorney and make sure he/she specializes in real estate.
On a land contract in our area you hold the note, mortgage, and Deed..until paid in full. You don't have to foreclose because you haven't signed over the Deed. Credit worthiness is key. Interest rate can be on esculated schedule,and set up an escrow for taxes and insurance pymts.
Don't confuse this with a PMM purchase money mortgage, where you only hold the note and mortgage. Land contract should be safer, but check the laws in your state to be sure.This message has been edited. Last edited by: real estate lady,
Thanks, so far have not heard anything from the farmer that wants to buy it on land contract. His house has not sold.
And for some reason, the realtor keeps showing the house to people that don't qualify for the amount the house is listed for. She suggested and I was going to tell her to lower the house price by $10,000 as it has been on the market for 3 1/2 mos.
I don't mind coming to work. But that 8 hr. wait to go home is a drag.
Thanks for the update. We were wondering what was happening. It does seem to be time for a price reduction.
You may not need to "foreclose" on a land contract, but eviction is whole other issue. This can take months to accomplish, after they stop paying.
(A nephew wants to purchase FinLaws home. Cannot qualify for a loan, and wanted a land contract instead. No way. Can one imagine ramifications of evicting a relative and his family in case of non payment?)
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Sorry to hear that about your nephew Conrad. I am in a similar situation. I don't have $50000 sitting in my bank so I can't afford to even think about getting a house. No one will lend at the moment unless you have a salary of $60000+ per annum!
Any business person cheating on the rules of a message board is sure to cheat their customers.
Sorry to hear that about your nephew Conrad. I am in a similar situation. I don't have $50000 sitting in my bank so I can't afford to even think about getting a house. Revisor Skellefteå No one will lend at the moment unless you have a salary of $60000+ per annum!
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In a land contract, the seller finances the buyer's purchase instead of having the buyer rely on a third party lender.
1.The buyer doesn't have to qualify for a loan and therefore, this attracts buyers who wouldn't have been able to purchase the property otherwise.
2. The terms of payment are flexible.
1. A land contract expedite matters and takes a long time to complete.
2. The buyer is liable to the seller for any deficiency.
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Thanks for sharing. I collected much information about the how the land dealings happen and I liked your proposals and contract points very much. Thanks.
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Since a land contract specifies your sale made of any certain merchandise associated with real estate among a vendor and consumer, a territory deal may very well be an exclusive form of real estate deal.
statement of purpose graduate schoolThis message has been edited. Last edited by: gsdg sd,
seller holds mortgage for x years at x payment and you don't get your ded til then.
absolutely do not do this wilth a seller if there is an outstanding mortgage.
In my area we usually use a Purchase Money Mortgage for Seller financing,foreclosure here is by Advertisement as opposed to always going before a judge in a Land Contract situation.The Buyer gets the Deed at closing with a Purchase Money Mortgage,ere we have Attorneys prepare these Mortgages for a minimal charge usually about $150.00 and the Note is recorded at Closing. It is better for the Seller and the Buyer & is also less expensive to Foreclose in case of a default. It is never cheap to foreclose on anyone and lots of time repairs will have to be made on the house before it can go back on the market. Always discuss with a real estate attorney when thinking about any Private Owner Financing.
"In Michigan"
Buying a real state through a land contract is fairly straightforward. The pros of land contract allows a buyer who is not able to to secure for traditional financing to purchase a real state.
The cons of land contract agreement is that it covers myriad issues that what will happen if market will fall and raise due to the date of the balloon payment.
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(Last updated: May 1, 2014; last reviewed: May 1, 2014)
Revisions to the February 12, 2013, version of the guidelines include both a new section and key updates to existing sections. Significant updates are highlighted throughout the PDF version of the document.
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Cost Considerations and Antiretroviral Therapy
Key Updates to Existing Sections
The following are key updates to existing sections of the guidelines.
Change in Recommendations on Frequency of CD4 Count Monitoring
This change can be found in the "Laboratory Testing: HIV-RNA (Viral Load) and CD4 Count Monitoring" section.
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This change can be found in the "What to Start: Initial Combination Regimens for the Antiretroviral-Naive Patient" section.
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2. Regimens that are also recommended, but only for patients with pre-ART plasma HIV RNA <100,000 copies/mL. These regimens include the following:
Emphasis on Key Principles to Follow When Switching ARV Drugs in the Setting of Viral Suppression
The "Regimen Simplification" section of the previous guideline has been updated with a new title—"Regimen Switching in the Setting of Viral Suppression"—and includes the following key revisions.
Addition of a New Table That Provides Recommendations on ARV Drug Options When Switching ARV Drugs Because of Adverse Effects
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Philippe Gilbert finished 15th Wednesday at Flèche Wallonne after the BMC Racing Team controlled the last two hours of the race to bring the peloton together to the foot of the finishing climb, the Mur de Huy.
Strong Team Effort
Gilbert drove the pursuit of Carlos Betancur (AG2R La Mondiale), who had attacked on the middle part of the 1,300-meter climb that averages 9.3 percent. But when race winner Daniel Moreno (Katusha Team) attacked with 400 meters to go, the world road champion was unable to respond. Sergio Henao (Sky Procycling) finished second and Betancur was third. "It was a fast race and the team controlled it well and rode very strongly today," Gilbert said. "It is always sad not to win, but I tried. A perfect race should be when I win. I am still missing a few percentages to win. When you are a favorite, you win when you are on your best level. I am gaining every day in my condition and we will see what Liege brings." BMC Racing Team President/General Manager Jim Ochowicz said while the team did not get the result it was looking for, the display of teamwork was impressive. "From the beginning to the end, we were in control," he said. "It was nice to see all the riders from the team participate. It was probably the first time all year we've really had a concentrated effort from everybody. It was fun to watch."
Click here to listen to complete comments from Gilbert (in Dutch and French) and Ochowicz on the BMC Racing Team Audio Line.


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