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Mortgage Lending: The 70s are back!!
Post-crisis regulatory overhaul remakes the business
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- Written by Lucy Griffin
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- Comments: DISQUS_COMMENTS
There was a time in the last century when mortgage lending was a relatively stable and predictable business. In 1975, lenders used clear, sometimes rigid, underwriting standards and strict front- and back-end ratios.
If an applicant fell outside those ratios, that applicant was a renter, not a homebuyer.
Clear standards on credit history also ruled. Mortgage lenders looked for clean histories. Better yet, a history of managing a loan the size of the mortgage applied for really counted. Proven ability to pay a loan was a prize quality.
Not only was underwriting stable and consistent, so was the mortgage product itself. Adjustable rates didn't exist in 1975. Neither did all those special features that caused so many problems later. Indeed, in 1975, the fact that a mortgage could be made for as long as 30 years was still a relatively new concept.
As Archie Bunker would have said, "Those were the days."
Changing times for mortgages
Mortgages changed, and further evolution awaits in the wake of new Consumer Financial Protection Bureau (CFPB) regulations.
First, lenders invented variable rates to protect lenders from rapid changes in the cost of funds and the rate risk accompanying a long-term asset. After an experimental period, variable-rate mortgages became popular. For lenders, they addressed rate risk. For borrowers, the initial rate was usually lower than for a fixed-rate mortgage.
As rates rose, this common-sense balance morphed. With high rates, homebuyers often didn't qualify for the payment amounts. Lenders then invented discounted variable-rate loans. Originally, these were offered only to applicants who were relatively certain to have significant income increases. They were a way to get young people into homeownership without getting priced out of the market.
The original idea was fairly reasonable. What happened next wasn't. Players in the mortgage market used this concept, and other methods for lowering initial payments, to make loans to applicants who did not reasonably expect a sufficient increase in income to manage the loan. This type of "hit-and-run" lending worked as long as the loan originator could keep moving on to other customers or refinancing the loan so the applicant only had to make reduced initial payments.
To keep the mortgages in the air, like a juggler, creative mortgage players invented more ways of refashioning loans with ideas like skip-payments and negative amortization. And some lenders played the serial-refinancing game to keep fees coming in. Then came the crash.
The big fix
After the 2008 mortgage debacle, Congress and regulators got into the mode of fixing and preventing. The tsunami of regs began. Each fix aimed at an identified abuse or problem. Together, they present a daunting challenge to compliance and lending. They effectively change how lending will be managed and executed within the bank.
In some ways, the new mortgage-lending regime is similar to 1975. We are returning to making loans only based on the borrower's current ability to repay. Loans based solely on the underlying property value are out. Appraisals are required. There needs to be an appraisal that is appropriate to the property's value and amount of the loan. In short, underwriting is back, and the current standards and ratios aren't much different from 1975's.
On top of this, there are customer fairness and customer service rules. From contract restrictions to improved disclosures and service, the change seems to be a total overhaul of lending compliance. But how different is this, really?
Lending is a two-way street
Let's not lay all this at the feet of lenders. In the 1970s, consumers-particularly Baby Boomers-objected that banks were too paternalistic, substituting the judgment of the banker for that of the consumer. If a consumer wanted to purchase a big home but do without furniture, the consumer argued that was a choice for the consumer, not the banker. Ignore those ratios and make me a loan! Under pressure, lenders did just that. Gradually, ratios got softer and lending became more relaxed.
Now we are in corrective mode and headed back to many of the lending standards of the 1970s-but with a twist. The rules for correcting the issues raised in the '70s-disclosures-are still in place and with more detail than ever. What is new is that lenders and servicers have responsibility and liability to the borrower throughout the life of the loan. In effect, there is a rebalancing of the lender-borrower relationship to ensure that the borrower has the information needed to make sound choices.
As the first step in the corrective process, hit-and-run lending is out. Loan decisions should be based on the long term-the loan term-rather than on the ability to make it through closing. Today, no one should be making a mortgage without considering the value and viability of that mortgage for the full term of the loan. Both lenders and servicers must consider the life-of-loan relationship with the consumer.
Life-of-loan implications
Previous compliance requirements have tended to focus on the product relationship's start. Taking the application, deciding, providing disclosures, and making the loan were the focus of consumer protection.
With current changes, the attention of the regs is spread throughout loan life. Compliance does not stop with providing disclosures to applicants and at settlement. Several new rules govern the life of the lender-borrower relationship. Servicing, escrow accounts, and periodic statement requirements all impose life-of-loan duties to the borrower.
To accomplish life-of-loan compliance, the regs broaden responsibilities to include more than the makers of the loan. The Truth in Lending Act (TILA) used to cover "creditors," the entity to which the obligation was initially payable. Servicers entered after the loan was made and could claim to be out of TILA's reach. No more. Servicers have duties to borrowers, even though servicers may not be a "creditor" as defined by Regulation Z.
Now servicer duties of care are clear. Servicers-whether the original creditor, a purchaser of the loan, or a purchaser or contractor for the servicing-must provide periodic statements to borrowers, take steps to correct errors, and provide information accurately and promptly.
Taken together, the tsunami of new regs carries a theme-one of ongoing duty to the customer through the life of the loan.
Borrowers also face obligations
The new rules also establish a balance of responsibilities. While lenders and servicers will be responsible for certain duties, consumers, receiving more understandable and frequent data, will be responsible for making sound choices. This is where financial education comes in.
The Dodd-Frank Act directs CFPB to take steps to improve consumer financial education. Improved disclosures are the first step. Reading and understanding them is next. Old TILA and RESPA disclosures present important information and numbers, but do nothing to help consumers understand the significance of the information.
The disclosures that will be put into final form later this year are designed to explain and present data in a way that encourages reading.
Adapting to your new normal
How does everything fit together? Think about the new regs as a whole and how they fit into the process of making and managing loans.
Start with good decision-making. Mortgage-loan decisions should be based on sound underwriting and a good appraisal. Gone are low-doc or no-doc loans. Drive-by appraisals are out. All steps in processing an application must be appropriate to the situation-both the property and the applicant.
Underwriting is back—and serious. Underwriting involves work. First, there is collecting applicant information that is needed for the loan decision. This is not enough. Data has to be verified. This is where loan underwriting and Bank Secrecy Act compliance have some overlap.
In the process of verifying income and employment, you also are taking steps to verify identity.
Evaluating the information. Once collected and verified, data must be evaluated in the context of the loan requested. This means a little basic arithmetic to run the ratios, some analysis, and some thinking.
Every loan file should be supported with these traditional loan officer analyses-including the denied applications. These ratios can be important in fair-lending evaluations because they enable the auditor to focus quickly on significant differences between applications. All this goes to support the analysis of the applicant's ability to repay. A good underwriting procedure should cover regulatory requirements to determine the applicant's ability to repay. If so, compliance with those requirements falls into place easily.
Appraisals. The loan amount and type triggers appraisal requirements. Essentially, almost every mortgage must be supported with a sound valuation of property. A good appraisal means more than a drive-by. A look at the outside-much less only the front-is not enough. The appraiser must inspect and evaluate the property's interior and exterior, particularly if the loan is higher risk.
Cutting corners is no longer possible. But there is more than just TILA driving the appraisal. Much of the mortgage fraud was enabled because appraisals didn't catch property problems. An electronic valuation or drive-by failed to reveal that the property was seriously damaged. A full appraisal should help to protect from fraud.
Servicing sees a sea change. Once the loan is on the books, there is the issue of providing service. The loan applicant is now a borrower. Servicers cannot operate as though the borrower has no voice. It is the borrower's repayment of the loan that now represents the true value.
It also takes both servicer and borrower to make a mortgage work. Communication is key. In simplest form, the servicing regs simply impose good communication practices. Servicers must provide regular data about loan status, including amount due, components of amount due, and principal balance.
While new to mortgages, the periodic statement procedure is very similar to what is standard practice for deposits and open-end credit. Even data is similar. While it may look daunting, the periodic statement requirement really isn't new.
Also part of good servicing is the requirement to respond to borrower requests for data and allegations of errors. These provisions parallel those in place for open-end credit and electronic transfers.
Rethinking mortgages as a business. Several of the rules are matters of corporate governance. Loan-originator compensation rules are designed to correct conflicts created by motivating loan originators to maximize the number and pricing of loans instead of focusing on loan quality.
While addressed through specific rules on loan-originator compensation, this is really a corporate governance issue. It's based on how values and priorities are set for the organization and staff.
A new day begins in balance
A basic principle of contract law: Both parties must benefit from the contract. Every mortgage loan is a contract, and this means that borrowers and lenders should benefit. The new CFPB rules have this as a goal. Embrace this as your corporate ethic, and your compliance program will be strong. Train lenders to help consumers understand the disclosures, and your compliance program will be even better.
Tagged under Consumer Compliance, Mortgage Compliance,


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subset: commoncrawl


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Trainer Peter Eurton stood outside the stall of Weemissfrankie in Barn 52 North at Hollywood Park Sunday morning and pronounced the 2-year-old filly ready for the $250,000-guaranteed Hollywood Starlet Saturday. The Grade I will be run at 1 1/16 miles on Cushion Track.
The chestnut filly stood quietly as acupuncturist Bob Banever treated her back while veteran assistant and groom Lupe Perez held her. A goat named Pickles, her traveling companion, stood outside.
Weemissfrankie, winner of the Grade I Del Mar Debutante and Oak Leaf Stakes at Santa Anita, seeks to become only the second filly to sweep the "triple crown" of 2-year-old filly stakes in Southern California. Excellent Meeting is the only horse to have accomplished that feat (1998).
"I loved the work," said Eurton of Weemissfrankie's final drill for the Starlet, five furlongs in 1:00.60 Saturday. "It was just enough. It was not over the top. She did it very easily.
"She didn't blow at all after the work," continued Eurton. "I didn't want to overdo it with the race a week away. She looks good this morning."
Eurton said the filly's maturity is one of her assets. "She acts older than her age," he said. "She's pretty low-key, not overly spirited, very quiet. She may buck a little when you put a rider up."
Eurton said that Weemissfrankie would gallop up to the race and be ridden again by Rafael Bejarano, seeking his third Starlet win in five years.
Weemissfrankie, third in the Breeders' Cup Juvenile Fillies in her last start, has won three of four outings and earned $535,800. The New York-bred daughter of Sunriver is owned by a partnership that named her in memory of long-time owner Frank Alesia, who died in February.
Other probable starters include Sharp Cat Stakes winner Charm the Maker (Garrett Gomez), Landaluce Stakes winner Killer Graces (Joe Talamo), Breeders' Cup Juvenile Fillies fourth-place finisher Self Preservation (Joel Rosario), Moccasin Stakes winner Made to Love Her and recent maiden winner Milania.
A list of possibles is headed by Lady Pecan, Evelyn's Joy and Rowdy Gal.
Hall of Fame Trainer Bob Baffert said Sunday from his Santa Anita base that he is still considering a trio of candidates for a record sixth victory in the $750,000 CashCall Futurity, a Grade I test for 2-year-olds at 1 1/16 miles on Cushion Track December 17.
Baffert said that Real Quiet Stakes winner Liaison, Hollywood Prevue Stakes winner So Brilliant and recent maiden winner Sky Kingdom all remained in the picture for the Futurity, pending works next week. Martin Garcia, Rafael Bejarano and Garrett Gomez will probably ride the trio.
Baffert added that unbeaten Breeders' Cup Juvenile Sprint winner Secret Circle would skip the Futurity following a six-furlong work in 1:12.40 on Cushion Track here Saturday. "He worked OK but doesn't go as well on it as he does on dirt," explained Baffert.
Other probable Futurity starters include the Jerry Hollendorfer-trained duo of Rousing Sermon (Joe Talamo) and Longview Drive, the Doug O'Neill- conditioned duo of Basmati (Corey Nakatani) and Handsome Mike, Maryland shipper Lucky Chappy and Empire Way.
Empire Way, victorious in one of two starts during the meet, worked five furlongs in 1:00.40 Sunday for trainer Mike Harrington.
Trainer Marty Jones said Sunday that Tiz Flirtatious, a 3-year-old filly unbeaten in two starts, would make her stakes bow in the $80,000-added Cat's Cradle Handicap December 11 after a five-furlong work in 1:02 Sunday.
"She's a nice filly; we're stepping up the competition level," said Jones. Tiz Flirtatious, a daughter of Tizbud owned and bred by Pamela Ziebarth, rallied to win maiden and allowance sprints at Santa Anita in October. The Cat's Cradle is for California-bred fillies and mares at 7 ½ furlongs.
Tiz Flirtatious was one of four Cat's Cradle probables to work on the main track here Sunday. The others were Chokecherrymary and Downhill Diva, both five furlongs in 1:00.40; and Excellent News, four furlongs in 47.
Trainer Bob Baffert said that Excellent News would be joined by Salty Sarah, who worked six furlongs in a bullet 1:12.20 here Saturday. Going for a Spin, winner of the Warren's Thoroughbred Stakes here in April, is also probable for trainer Jerry Hollendorfer.
Also nominated are California Nectar, Hello Sugar, Lady Railrider, Ruffled Feathers, Secret Cove, She Can Roar and Warren's Flyer.
FINISH LINES—Trainers celebrated victories with their first Hollywood Park starters this week. Francesco Santella, a 33-year-old native of Italy who won with his first United States starter—Coal Region Kid in the third race Thursday—said he went out with Vegas Racing Team co-owners Angelo Molli, Pierluigi Federico and Francesco Mazzini at a restaurant they own in Rancho Palos Verdes to celebrate. Santella said he plans to visit his family in Italy for a holiday vacation from December 15-January 2 before returning to expand his stable in 2012. Michael Ewing, who underwent hip replacement surgery four days earlier, limped to the winner's circle and threw away her crutches after June Cleaver won the nightcap Saturday to give the trainer her first California victory. "I told her to take it easy; I didn't want to take her back to the hospital," said assistant Sebastien Pain with a chuckle Sunday. Pain said he expected Ewing to be back this afternoon to see another starter and to return to full-time work next week. Ewing was a long-time assistant to trainer Bob Hess, Jr. "We had high expectations for June Cleaver," said Pain of the 2-year-old filly after her auspicious debut versus maidens… Leslie Navarro, agent for jockey Daniel Sandoval, said the jockey suffered a fractured sternum in a spill aboard Red Mountain in the fourth race Thursday. "He's still at (Centinela Hospital Medical Center),'' said Navarro Sunday. "They're checking him thoroughly to make sure there is no internal damage. If it is nothing else besides the crack in his sternum, he should be back in about a month."… Larry Benavidez, assistant to trainer John Sadler, said that Kettle Corn came back in good shape from his first added-money victory in the $100,000 Grade III Native Diver Handicap Saturday. Sadler said the 4-year-old colt would be pointed to the $1 million Godolphin Mile next March in the United Arab Emirates.
Copyright © 2009-2014, Hollywood Park. All rights reserved.


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A modern take on a retro favorite, this beautiful platter is always a hit at family gatherings. So simple to prepare ahead, healthy and refreshing—plus it won't spoil their dinner!
This simple make-ahead appetizer is healthy, refreshing, and won't fill you up before a big holiday meal. Slide maraschino cherries onto the toothpicks before sticking them into the pineapple slices for a charming retro touch.
1 large whole pineapple
1 pound seedless red grapes, rinsed and drained
1 pound mixed whole nuts, in shell if available
Decorative toothpicks
- Slice pineapple lengthwise into long quarters, carefully keeping leaves attached to each quarter. Cut lengthwise down the center of each quarter to remove the tough core in one long piece.
- In each quarter, make one cut into the fruit both at the base and near the leaves, being careful not to cut all the way through the skin. Use a flexible knife or boning knife to cut lengthwise along the bottom of each quarter, between the skin and fruit. Slice each quarter into 1⁄2"-wide triangle-shaped slices of fruit (approximately 6). Again, do not cut through the skin.
- Arrange the sliced pineapple quarters on a platter with the leaves splayed out. Fill in between the pineapple quarters with whole nuts and piles of grapes. Spear the pineapple slices with decorative toothpicks before serving, if desired, or serve with the toothpicks on the side.
- Cover with plastic wrap and keep chilled until ready to serve. The platter can be prepared up to one day before serving.
Above & Beyond
Latest posts by Above & Beyond (see all)
- Elegant Halloween Decor - October 20, 2014
- Five Reasons We Love Pumpkins - October 18, 2014
- Know Your Apple [Infographic] - October 13, 2014


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- Antique Jewelry
- The Ages
- Engagement Rings
- Antique Rings
- Diamond Jewelry
- So Much More
Diamond Set Platinum Eternity Band
Like an ancient amphitheatre in the round, this platinum eternity band will go on forever. A pair of open work platinum hoops studded with eighty-eight (88) brilliant cut diamonds is braced by ten (10) baguette diamond columns. In all, 2.1 carats of diamond weight add their shine to the whitest of white platinum.
Date: Modern estate.
Measurements: 3/8 of an inch (0.9 cm) in width. Weight of 6.8 grams (4.3 dwt).
Ring Size: US 6-1/4 (UK M; Euro or Int. Circum. 52.5 mm; Int. Dia. 16.7 mm; Japan 12). This ring cannot be sized.
Condition: Excellent; one minute chip to one baguette visible with magnification.
Note: Diamonds were not removed to preserve the integrity of the setting. Weights are approximated by measurement and formula and may vary from actual weights.
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Jockey Quotes
JOE TALAMO, TROIS AUREOLE, Winner: "This is a nice filly. I think she's really starting to come into herself. She ran her race last time (Grade II Honeymoon Handicap June 9) but just got outrun. She got a little nervous in the paddock that day but it was one of those days when it was so hot and real muggy. But today, she had a turn of foot just out of this world. I kept her behind until the top of the lane and when I wheeled her out, I didn't even have to hit her. She just exploded. (Sadler) has done such a great job with her. Every time she comes to the races, she's ready to go."
Trainer Quotes
LARRY BENAVIDEZ, Assistant Trainer, John Sadler, TROIS AUREOLE, Winner: "We got a couple of horses from (owner) J. W. Singer in the winter and this was one of them. She won that (maiden) $75,000 race (March 22 at Santa Anita). That's the kind of race that gives horses a cut below, like her, a chance to run without much risk of being claimed. In the last month or so, she has really improved. The Honeymoon just turned out to be a salty race. She really kicked home today. She kind of tipped her hand when she relaxed so well in the paddock today. I was pretty confident."
Copyright © 2009-2014, Hollywood Park. All rights reserved.


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As family and friends remember Billy Henderson, police still investigating his killing
While the family and friends of William "Billy" Allen Henderson pay their respects during his funeral today, authorities continue to investigate his death.
Henderson, 68, was stabbed to death at his West Bank Street home. His body was discovered a week ago by a caretaker. Investigators have said they don't believe the killing was random. There was no forced entry into the home, located across from J.C. Price High School, where Henderson once attended.
He retired from Fieldcrest-Cannon Mills and worked part-time for Rowan Helping Ministries in the shelter. A graveside service is today at Oakdale Cemetery on Brenner Avenue.
"We are still working the case. We ask anyone with information to call Crime Stoppers or the police," said Salisbury Police Capt. Shelia Lingle.
Anyone with information can call Crime Stoppers at 1-866-639-5245 or the Salisbury Police Department at 704-638-5333.


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When the Wallflowers recorded their self-titled album in 1992, most of the band's members were 22 and weren't ready for prime time yet. The songs had flashes of inspiration and promise but didn't really hang together. It took four years for the Wallflowers to release a second album, but this time they were ready. The folk-rock melodies were strong; the playing was clear and muscular, and the production by T-Bone Burnett (friend of the family) framed the lyrics' storytelling imaginatively. Jakob will never escape comparisons to his dad, but his new music can stand on its own as some of the decade's best.
In fact, Jakob's voice doesn't resemble his father's so much as Tom Petty's nasal drawl, and the way Wallflower Rami Jaffee soaks nearly every song in Benmont Tench-like B-3 organ makes the Heartbreaker connection unmistakable. Fortunately, Jakob's evocative songwriting and the Wallflowers' high-energy playing reminds one of the early Tom Petty & the Heartbreakers records rather than the desultory, later work. Heartbreaker Mike Campbell even plays on "6th Avenue Heartache," the first single and a gloriously harmonized lament for the victims of America's meanest streets. "The same white line that was drawn on you," Jakob sings, "was drawn on me." He takes a more defiant, more rocking approach later in the album when he proclaims he's "Laughing Out Loud" in the face of everyone who ever tried to push him around. --Geoffrey Himes


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The creation of components or end-use products has historically been a major employer and tax base for Bartow County. Last year, Bartow recognized the 175th anniversary of the county's first manufacturer, iron master and furnace builder Jacob Stroup.
Last week's events, however, focused on the current crop of manufacturers in Bartow County — more than 140 in all, producing a range of goods from carpet, beer and automotive components to construction equipment, tires and more.
"I think it's important to recognize how much of an impact manufacturers have on our community," said MAW committee co-chair Tamara Brock. "Looking at the investment they make, this is just a nice way to say thank you and highlight them for a week. It's the least we can do when you think about their economic impact."
Local Manufacturing Appreciation Week efforts were spearheaded by the Cartersville-Bartow County Chamber of Commerce and the Cartersville-Bartow County Department of Economic Development.
Events began Monday with a golf tournament in which about 20 companies were represented by employees invited for a round of golf at Woodland Hills Golf Club. The week continued with industry tours on Tuesday and Thursday.
More than a dozen chamber members attended each tour, which included Shaw Plant X and the city of Cartersville Water Treatment Plant on Tuesday, followed by Ampacet and Heatco on Thursday.
"Industry tours are about awareness, because the general public doesn't get to see what a manufacturer does and what their start-to-finish process is," Brock said. "So it's a chance for them to understand how much goes into making that carpet tile or making that plastic bottle or your drinking water or the components in your heating system, because it's something that you would not be aware of unless you see it firsthand — and I think it's all things we take for granted.
"Like with Heatco [Thursday], people were unaware that an industry like that existed in Bartow County."
Heatco is a global leader in the production of indirect, gas-fired heating systems for original equipment manufacturers of air-handler systems. Founded by Rob Hankinson in 1982, Heatco began in Cobb County, but relocated to Bartow because of a business-friendly environment for manufacturers.
While Heatco still manufactures traditional single burner heating systems, they have excelled in their field due to an innovative system using multiple smaller burners, one per heating tube. This technology has enabled Heatco to build a lighter, more efficient unit, which reduces thermal stress and creates an even distribution of heat.
"We've been manufacturing for 16 years and we've evolved into, now, our fifth generation of this product," Hankinson said. "Technologically, I'd say we're No. 1 in the market."
Heatco supplies units primarily for commercial gas-powered heating systems. Their No. 1 customer is Trane and their North American market penetration is nearly 85 percent. A large portion of their business actually comes from Canada as well as other countries around the world.
"Other than the water treatment plant, every company we toured is not just a local company — they ship nationally, they ship globally," said Chamber Chief Operating Officer LaDonna Jordan. "When people drive by an industrial facility and wonder what they do, most people don't realize that they're shipping all over the world.
"Few counties in Georgia or in any other state are as fortunate as we are in terms of manufacturing."
For more information about Manufacturing Appreciation Week, visit www.georgiamaw.org or www.teambartow.com.


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Model: 32PFL3506
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Regardless of what you are watching, the Philips 32PFL3506 32" 720p 60Hz LCD HDTV provides an enhanced viewing experience with a high-quality picture and sound performance. Offering a functional design, the ENERGY STAR-qualified 32PFL3506 boasts a 16:9 LCD panel with 1366 x 768 resolution, 10,000:1 dynamic contrast ratio and wide 170-degree vertical and 170-degree horizontal angles. Combined Pixel Plus HD Picture Enhancement, this is the perfect TV choice for any room of your house. I features an infrared remote control, built-in digital tuner, the ability to watch digital broadcasts (including HDTV programs where available) and HDMI inputs with Easylink for HD connection. With the addition of a PC input you can use your TV as a PC monitor via a HDMI-DVI cable/converter and use the Dolby Digital output for a connection to a home theater system.Product Features:
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HOME Jacksonville Jaguars Gear Jacksonville Jaguars Mens Cold Weather Gear $10 to $20 (37 items) Product ID: 683726
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The cold temps will wave the white flag in defeat when you keep your noggin warm in this Sentry knit beanie from Reebok. This knit beanie features an embroidered team logo on the front, a tackle twill NFL Equipment shield at the back and wraparound contrast-colored stripes for a Jax look that'll make sure your Jags spirit creates an impenetrable halo around your head, therefore protecting you from the cold and haters alike.
- 100% Acrylic
- Cuffless
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- Officially licensed NFL product
- Quality embroidery
- Rib-knit beanie
- Woven stripes
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Soft, warm, and lusciously lightweight, Amazing™ magically creates tweedy stripe patterns from the simplest of stitches, so even beginners can create dazzling designs. Stitch up stunning sweaters, accessories, and more.
Click here to see how the colors of Amazing work up.
53% Wool, 47% Acrylic
KNIT GAUGE: 4" x 4" (10 cm x 10 cm) Size 9 (5.5 mm) needles; 16 stitches by 22 rowsCROCHET GAUGE: 4" x 4" (10 cm x 10 cm) Size J-10 (6 mm) hook; 12 single crochet by 15 rows
FLASH SALE! *Coupon code FLASH40″ will be automatically filled into the coupon box at checkout on qualified orders. Only one coupon per person; cannot be combined with other coupons. Valid through 12 noon EST, Tuesday October 28th.
Bright pink, purple, mustard, and blue
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Olive, medium green, pea green, and yellow
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Burnt orange, gold, brown, red, and violet
Light gray, dusty blue, and dark gray
Medium green, burnt orange, deep blue, and dark red
Light pink, periwinkle blue, golden yellow, and lavender
Violet, deep magenta, deep sky blue, and yellow-green
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Deep blue, periwinkle, burnt orange, and warm clay brown


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Long believed extinct, scientists in the 1940s rediscovered the Dawn Redwood at a temple in an upland valley of China. From a single copse of trees, seeds were distributed worldwide. These trees have captured the imagination of modern bonsai artisans; they have beautiful feather-like foliage, and possess the redwood's quintessential regal majesty. This mini-grove of Dawn Redwood captures a sense of their stately nobility so you can enjoy them in your own garden space.
Tips on WateringCareful watering is key to maintaining healthy bonsai. Never allow your bonsai to completely dry out. Watering instructions may vary slightly depending on the tree or plant species. Please refer to the information tag attached to your bonsai for specific information. Over time you will be able to evaluate each particular bonsai's water requirements and create your own watering schedule to accommodate it. Note whether your bonsai is considered an indoor or outdoor tree and refer below to more specific watering tips for each type.Best results are achieved by watering with a small watering can or hose attachment with a fine-spray nozzle so that water cascades are softer, avoiding blasts to bonsai and potting soil. To water, thoroughly soak the container's soil until water runs out of the bottom drainage holes. Periodic misting of the tree's foliage is also recommended.
Trimming and PinchingBonsai trees benefit from trimming to maintain their miniature size and beautiful form. Pinch and trim new growth back to the farthest safe point, being careful not to remove all new growth. For more in-depth tips about trimming (and training) techniques, an instructional book will provide the best, safest recommendations to keep your bonsai in tip-top shape.
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Having just completed their first race of the new season, the UCI ProContinental BMC Racing Team has proved it has what it takes to compete at the highest level. Their appearance at the Tour Down Under drew rave reviews from all sides. To top off the event, the "Red Devils" played a very active role in the final stage which was eventually won by Australian Chris Sutton in a spectacular mass sprint.
The Chief Directeur Sportif John Lelangue and his team travelled to the race with two principle purposes: to unite together as a cohesive group and to make use of every chance to be noticed as a force in the event. "We not only achieved but exceeded each goal. During the races and at the hotel, our time in Australia was very well spent and the experience will continue to be very helpful to us," Lelangue explained. From a sporting point of view, the team united around Cadel Evans and provided quite a few race highlights. First to ignite the team efforts, Martin Kohler joined the most important breakaway of the first stage, and won the lead in the Sprint and Best Young Rider competitions. In the final tally, Cadel Evans finished sixth overall in his first race with his new squad, the BMC Racing Team. Andre Greipel repeated his victory from two years ago and proved he is a sprinter for January.
"Cadel Mania" wherever you look
Danilo Wyss added to the BMC results with two top 10 stage finishes while in the race's queen stage, World Champion Cadel Evans attacked and gambled on victory, inciting the Australian crowd to such a state of euphoria as to make many believe the day to have been the best racing ever seen on Australian soil. "That was the best day of racing that the Tour Down Under has ever had," race director Mike Turtur enthused. For his efforts, Evans was awarded with the jersey for Most Aggressive Rider. Add that to his third place in stage three and fourth place in stage five, and the new star of the BMC Racing Team has every reason to be content with his 2010 Tour Down Under. "It has been a very good week for me and the team. We have really had a lot of fun together. And the support the team provided for me has really been impressive. I am looking forward to the rest of the season and am convinced that the BMC Racing Team can deliver a lot more exciting racing throughout the year." The 32 year old Australian can certainly count on the support from his fans. Regardless of where he went, he was received enthusiastically by countless supporters.
Lots of interest in BMC Bikes and Hincapie Sportswear
The team's main sponsor, Swiss bicycle manufacturer BMC, has also profited greatly from the team's strong performance at the Tour Down Under. The local dealers have already felt a surge of demand and the first available jerseys from Hincapie Sportswear are flying off the shelves. Three hundred sets have been sold in only three days. So it is no surprise that BMC owner Andy Rihs felt very content after his brief visit with the team for the first two stages of the race. "It is absolutely fantastic that a team like ours is already working together so well after so few days actually racing together. And the appearance of Cadel Evans as the World Road Race Champion and BMC ambassador has greatly impressed not only me but also many Australians, which has been confirmed by their enormous interest in BMC bikes and Hincapie Sportswear." While the European members of the BMC team will leave Australia and travel directly back to their homes in Europe, Cadel Evans, George Hincapie and John Lelangue will travel on Monday to California. There they will join the rest of the team for the remainder of the training camp which will last until next Sunday.


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Tonights speaker is Laura McCain, R.D. TAGFSG offers support to area celiacs and others who follow a gluten-free diet, and their caregivers. Meetings are held at the Central United Methodist Church. Parking is available in the church parking lot, off the alley. The back door closest to the river will be open. Go down the stairs and we will be in room 106.
Mentors available at 6:30 pm for informal questions and answers and the meeting begins at 7:00 pm.
Click here for the website: TraverseAreaGlutenFree.org
Mailing Address: P.O. Box 4112 Traverse City, MI 49685-4112


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I made these yesterday and I was really skeptical that they would be able to puff or turn into anything because they were just little piles of nuts. I shouldn't doubt Dorie. They do in fact puff up and make little cookies.
I used pecans and sliced almonds and subbed ground cinnamon for the espresso. Yummy.
Probably the easiest TWD recipe ever.
I'm really interested to see how these turn out for everyone.
Go to it…


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Veterans' trail to be improved
A near mile-long section of dirt path alongside Highway 62 used by veterans is to be widened and paved.
The path, which has been dubbed the "Ho Chi Minh Trail" by Vietnam vets at the U.S. Department of Veterans Affairs Rehab Center in White City, is used to walk to and from the center.
The path has become rutted and eroded by weather and use, but the Oregon Department of Transport is to pay a contractor $138,000 to improve it. Work starts Monday.


text: At the end of archery season my bow will be getting a new set of strings from hutch. Anyways, since i already have the bow string off i was wondering if i should convert my cable slide to the ccs roller guard. Do you think i should or not and why? Thanks alot.


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Anyone reading this may remember that I did a broadhead test on the 100 Grain Swhacker, a few months ago. At the time I was fairly impressed with the perpetration, and performance........well that has all changed!!.
I went hunting with them....but I didn't check every broadhead to make sure they were sharp. The one I did the test on months ago was sharp....so like an idiot, I figured they all were ,...... WRONG!!!
Someone posted that they had bought some and they were dull. I checked 2 of the 6 and they were sharp...the rest were dull as hell!!
As you can guess the one that I shot a decent 8 point with was dull . I was fortunate enough to find the deer, but only because of my determination. The shot was a little far back(liver), but if the broadhead had gone all of the way through, I would have easily recovered the deer.
The broadhead only went it about 10". The tip broke off, and all that it hit was a couple of ribs, on the way in. The broadhead stuck in the liver.
Very little blood to track... for about 300 yds.
I should have checked each and every broadhead......or maybe I should have listened to Thermodudes' advise. I was lucky this time....but the end result, even though it surprised me was that.......SWHACKERS SUCK!!!!!


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Best Lightweight Walking Shoes
After sizing up the new field of featherweight walking shoes, testers made the greatest strides in these three pairs
By The Good Housekeeping Research Institute
Chic and Cushy
Weight, comfort, and cuteness were the highlights of the mid-priced New Balance 895 ($85, amazon.com). Some testers felt it "should have more cushioning" and arch support; others liked that barely-there sensation ("It feels like stepping on a yoga mat"). Langone lauded its light padding.
Courtesy of New Balance


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But the decision facing the council is about more than finding a qualified candidate to help govern the city — it's also about Tracy residents and their perception of the political process as open or closed.
And when it comes to that decision and perception, the council seems to have painted itself into a corner.
If transparency was the ultimate priority, the City Council could have conducted a special election to determine who would replace Elliott. It's a move I argued for in an earlier column.
But the price tag ($250,000) and timeline (the election couldn't happen sooner than June) pushed the council into more pragmatic territory.
Short of an election, if finding the best-qualified candidate was the top concern, the council could have appointed a member but opened the process to all qualified Tracy residents. It's what happened when Steve Abercrombie was appointed to his seat in 2006, and his presence on the governing board — which ended last year when he chose not to seek re-election — turned out pretty well for the city.
Instead, the council on Dec. 18 chose an appointment process that limited the candidate pool to those who finished behind successful challenger Nancy Young and incumbent Michael Maciel in the 2012 council campaign.
On paper, that leaves Ray Morelos, who finished third; Charles Manne, who finished fourth; and Roger Birdsall, who finished fifth, as possible replacements for Elliott.
In reality, the council decided it would choose between Morelos and Manne.
Birdsall in November told council members during a public meeting that they could best follow the will of the people by selecting the third-place finisher from the recently concluded general election.
Birdsall reiterated his stance this week and said he would not put himself forward for Elliott's chair.
"If we want citizens involved, you have to prove to them and show them that their involvement really works and counts," he told me. "I think that's the part that was of concern to me."
Seeking middle ground, the council split the difference between following the voters and exercising the council's vested power to fill a vacancy by appointment. It was a good-faith compromise.
But I think the council unintentionally selected the worst possible combination when it comes to public perception — giving weight to the results of an election that has nothing to do with filling Elliott's seat, while narrowing the candidate field and opening the process to the possibility of council politics and behind-the-scenes talk.
The real shame is that it takes the focus away from the candidates and will no doubt cast a pall over whoever is selected Tuesday.
Rightly or wrongly, if Manne is chosen, it will appear to many that council members did not want Morelos as a colleague. If the council goes with Morelos, there will be plenty of people who argue the council took the easy way out.
To be clear, this says nothing about the qualifications of Morelos or Manne.
Morelos has already served on the City Council, and since leaving office has been a respected volunteer and leader.
Manne is an upstanding member of the community and would likely serve ably if he's appointed. And if he isn't, I wouldn't be surprised if he ran in 2014 and was elected.
Again, this is not about the candidates. This is strictly about the process.
At this point, the best way to maintain the integrity of the process is to select Morelos. Not because it's him, per se, but because choosing the third-place finisher precludes the possibility of politics being played.
Just as importantly, there's a lesson to learn from the past month's appointment circus: The City Council needs a clear policy to deal with the appointment process.
Ideally, the policy would include a way for voters to have a more direct say in filling an empty council seat.
At the least, such a plan should ensure there is a consistent course of action that's removed from the political pressures of the time.
No matter who is appointed Tuesday, I hope the new five-person council takes up the matter as soon as possible.
• Second Thoughts is a personal opinion column by Editor Jon Mendelson. Share your thoughts by emailing email@example.com.


text: My Dad has an M-34 Prowler Unicam, I dont have the original manual and Im trying to get it ready for him for bowseason, My problem is with the return string and the split string. Something just doesnt look right? I dont think the strings are where they should be? I couldnt find anything on the website that would show me where they go, in which direction, ect. Its very confusing unless you have some type of diagram to go by. Can anybody out there help? Thanks, Mo


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Hi everyone -
Since my first trip to the White Mts was such a success, we're going to try to squeeze in one more overnight before we call it a season and we've decided to do the Hancocks next weekend.
We plan to hike in, drop the packs and set up camp near the junction of the Hancock Loop Trail, and then continue onto both peaks before we return to our site. Then out and back home in the morning.
Since this is a popular day hike, we figured adding a camp night would make this a relaxing weekend. I read TrishandAlex's report on this trip and it looks perfect for what we're looking for (thanks for posting that, looks like you 2 have a ball together!).
My concerns: I'm hoping we're not too late in the year to enjoy this hike, and that we'll have the same luck with weather as we did last trip. I'm expecting the air to be much cooler than it was last month, too. I don't think water should be a problem since I see we follow a brook for a while.
As always, I'm interested in all comments, especially since we've never been on this route.
See you out there!


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DaVinci's Museum Scaventure
Which team can break the code??
Day at the Museum
Combine Learning and Fun?
GoTek High-Tech Scaventures
Now with iPads and iPhones?
Hair Razing Race
Have Your Own Amazing Race!?
Photo Scavenger Hunt
Your City Scaventure!?
Treasure Hunt Adventures
A True Team Building Event?
Need some custom fit team building?
Do you need something custom? That's how many of these programs started out!'?


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I just talked to one of my puppy buyers and he wants to join a retriever club. He lives between Nashville and Bowling Green What are the name of some clubs I can send him?The dog is a 1 year old Chesapeake.
I just talked to one of my puppy buyers and he wants to join a retriever club. He lives between Nashville and Bowling Green What are the name of some clubs I can send him?The dog is a 1 year old Chesapeake.
There are two clubs in Nashville. They are the Middle Tennessee Amateur Retriever Club and the Music City Hunting Retriever Club. Listed below are the web addresses for both clubs.
HRCH Sutton's Mallard Lake Drake MH "Drake"
Bear Country's High Flyer "Piper"
You might want to have him get in touch with Clint and Sherie Catledge of Bear Country Retrievers. They are primarily hunt test trainers but also dabble in the minor stakes.
Great folks and have some of the nicest water I've seen in that part of the country.
They are located near Franklin, KY and Portland, TN. Here's their website: http://bearcountryretrievers.com/
I believe Danny Lutrell is in that neighborhood, as well. A very accomplished Derby trainer.
j towne - I'm on the board at Middle TN (MTARC) and Sherie Catledge is our Secretary. Tell your buddy to get in touch with one of us. We are always glad to have new members. We have an AKC Judges seminar and our Annual Club banquet coming up on February 9th, so it would be a great time for him to meet alot of folks.
Tracy Hughes - Crimson Kennels
Jessica's Chocolate Cait, MH
Mosby's Big Jake, MH
Tubby's Maxximum Trouble, MH
Double G Cosmo's Dream Girl, MH
Crimson's Coriander Dream, MH
Johnson's Redwind, MH
Crimson's TNT By Design, MH
Crimson's Black Powder Girl, MH
As Tracy posted, our clubs Annual Banquet as well as the AKC Judges/Handlers Seminar on February 9th would be a great place to meet other retriever owners in the Middle TN area. Please feel free to have your puppy person contact me for more information about our local retriever clubs. Most of our club members are in active hunt mode right now, so not a lot of training days per se, but it appears I might be close by as we are at the TN/KY border in northern Sumner County.
Music City HRC seems like a great club. MTARC does too. I am a member at TN River HRC in Union City but would be happy to belong to either one if I lived down there (I'm in western Ky). My dog got his HR and HRCH at Music City and ran senior at MTARC. They put on a well organized HT and the members seem like good guys and ladies. I look forward to running master down there next yr.
Thanks for the help I will forward the info to him.
I ran under Clint when he was judging in Maryland last year.
You get to run under me and Jim Cooke in the Spring!
I am not running any test next year but enjoy your trip and don't let the set ups get to crazy.


text: Women's smoking slippers, as seen in the January issue of Glamour - our Lavalu is the quintessential smoking slipper trimmed with grosgrain-ribbon piping. Padded footbed for all-day comfort. Various uppers; simply mouse over the color/print you like to determine upper. Man-made lining and sole. Imported. 1/4" heels. Women's smoking slippers.


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Great bow but have to change brands for who I am shooting for. The finish on this bow has a high spot on the riser and some gritty spots to but it shoots great
and know one see these unless I point them out asking $475 shipped to your door. this bow also has the cloked cam,sos and trg. This is the bow only currently set at 58lbs and 28 inch draw.


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2003 was declared the 'European Year of People with Disabilities'. One of the objectives of this European year was to generate greater awareness as well as a number of programmes in Europe intended to change attitudes towards people with disabilities.
The Council of Europe has established a means of monitoring European national policies for people with disabilities. This monitoring mechanism provides for the evaluation of both progress achieved as well as difficulties and shortcomings, as well as preparing for the future.
In addition to efforts made in both the social and cultural domains, the struggle for accessibility was expanded to the world of tourism by establishing the following principle: a person with reduced mobility has the same right to leisure and travel as an able-bodied person. In addition, disabled people who wish to accompany family and friends on their vacations must be able to do so in the best possible conditions, and with the greatest possible autonomy.
Today, Europe extends a warm welcome to all its visitors. However, if you or one of your traveling companions have specific accessibility needs, it's essential that you can get hold of the necessary information to enable you to plan your trip well. The idea of accessibility concerns not only people with decreased mobility but anyone who may encounter difficulties while traveling, for example older people, or even those who don't fit the "norm" in terms of height or weight. All of these travellers may need very specific information during the course of their journey.
Tourism, the pleasure of discovering new cities, regions, countries and cultures, must remain a right that all can enjoy !
In 2005 O.S.S.A.T.E (the One-Stop-Shop for Accessible Tourism in Europe) embarked on a project to create a multilingual, digital tourism information resource designed to inform travelers concerned with accessibility at tourist destinations. The launch of this platform is planned for the spring of 2007. The contents will include information about national and regional events, sites, and accommodation facilities that take accessibility issues into consideration.
The information will be communicated on the Europeforall.com website, as well as visiteurope.com and also via mobile telephones, tourism offices, and travel agents. In the first phase, the information provided will be from the following countries: Austria, Belgium, Denmark, Greece, Norway and the United Kingdom. Many other countries will join in the second phase of the project.
In Finland, the organization Rullaten ry, (Travel Without Barriers) will be extremely useful in your planning.
You can also obtain specific information from the organization Travel4all, which is offered in five languages (including English), and provides a search engine for all the regions of Finland so that you can design the visit that best suits you.
In France, the objective of the 'Tourisme et Handicap' association is to sensitise travel professionals and the general public to the needs of persons with disabilities. With the support of the Ministry of Tourism, the association, has established an accessibility label. The purpose of this label is to provide reliable, consistent and objective information on accessibility and facilities available at tourist sites for people with all types of disabilities. Tourism professionals wishing to expand their client base, and to assure visitors of a perennially warm and fitting welcome, must voluntarily apply to the association to obtain a label.
All the institutional tourism organizations are promoting the label, and provide tourism professionals in their regions with the necessary information to enable them to conform to the label's standards.
On-the-spot emergencies are handled just as they would be at home.
Take just a few extra precautions to protect your valuables and travel documents.
earning to say please and thank you in foreign languages is always a welcomed gesture.


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This is what I've been working on for the last three weeks. It's the result of a workshop in Fine Arts with the theme "icons" (computer icons/celebrities/fashion icons/religious icons, etc).
I chose to work with movie icons from two different eras. This project has been a lot about ideals, patterns and anatomy. I named the project Iconatomy from the words "icon" and "anatomy."
I have worked with a collage technique, but in a computer, which for me is a first. I am really pleased with the end product and I want to develop this concept further.
(Click here to see more of my art.)
Edit: Two things people are wondering about that I thought I could make clear.
1. The pictures are not morphed in any way. What you see is a collage of two different people in each picture. Did it take me a long time to find the right pictures? Hell yes it did! :-)
2. People are commenting on the "comparison" I'm making with these pictures. About that, I just want to say that I am not comparing anything here. Sorry if you feel that your favourite actor or actress was "paired up" with someone you don't like.
Thank you everyone for liking it so much, I'm really blown away by the feedback I'm getting!
© 20011 by George Chamoun.
All rights reserved. These images may not be reproduced or transmitted in any form or by any means, electronic, mechanical, photocopying, recording, or otherwise, without prior written permission of George Chamoun.
WOW!! This is INCREDIBLE matching! I'm still amazed that he found such uncanny fits.


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Just got back into archery after a very long hiatus. Many moons ago I used finger savers on the string. One on top and two under the nock. Attached the same to the new x-200 a couple weeks back. Shoot what you know seemed the way to go.
The first few days it appeared I was given a reprieve from what I thought would be a long learning curve. The shot groups tightened up real quick. Then, all of a sudden (last night) , it all went to crap. Same repeated today. Arrows veering off to the right and nearly a foot apart at a mere 15 to 20 yards. After doing some research, it looks as though this method isn't used much. Either a tab, glove, or mechanical release is the string slinger of choice.
So, am I using something proven inadequate, too difficult, or is it just out of style? I'm fairly certain it's got to do with the release process. It's not target panic. More like target anger now, lol. I'm not releasing early. Anchor is consistent, level, with minimal hand to grip contact. I'm able to hold it steady within the 10 ring so it's not wobble. Once I 'let go' there is this brief moment of visual fuzziness where I lose the clear focus of the site, arrow, and target in alignment. Bow movement from something. I've also noticed more reverberations in the string noise than before. I'm thinking the actual release might be a little more intentional than it should be. Any ideas or suggestions welcome.


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Sounds fun, Trish. It's getting towards that time of year when it's best to hike. Falling leaves, crisp air, no bugs, the promise of winter in the air...my favourite time of year. If I ever get hitched, I want to drag the potential Mrs. up to the Whites in early October to propose - doesn't get much more romantic then that.
And I've only done Tecumseh once, in January. It was absolutely lovely and possibly even doable with Alex.
Have fun with that list - I haven't even finished the 48 once.


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Espresso Machines
Why wait in line in at the cafe when you can make great tasting coffee at home? We're confident that we can help you find a machine that best fits your personal needs. Browse our large selection of espresso machines from top manufacturers, watch our videos and join the conversation on our Community. Still can't decide? Give us a call, we love to talk coffee!
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The Gaggia Platinum Vision uses a Rapid Steam boiler system, utilizing a stainless steel boiler so you can switch back and forth between brewing and steaming in mere moments, without lengthy cool down or heat up time in between. This system provides the power behind each shot of espresso, fine tuning and perfecting the temperature. As for the water pressure, the Gaggia Platinum Vision provides a maximum of 15 bars of pressure, more than what you'll need to pull each shot. Because...
Gaggia's focus on innovation optimizes the machine's simplicity, ease of use, and most importantly, the quality of each shot of espresso. The Gaggia Platinum Swing Up Super-Automatic Espresso Machine is characterized by a user-friendly interface – a circular dial in the center works similar to an iPod click wheel, allowing you to swing your finger to select the function. Above this touch ring dial is the 24-character LCD screen, which shows your beverage options and...
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Innovation Index on the rise according to UM-Dearborn study
February 28, 2012
DEARBORN / February 27, 2012 --- UM-Dearborns Center for Innovation Research iLabs today released its Innovation Index for the third quarter 2011. The Index, which quarterly measures economic innovation activity in the state of Michigan, rose slightly in the third quarter from 90.8 to 92.8. The index remains well above the levels near 80, which it hit during the recession.
The slight rise is largely due to growth in job creation and venture capital. The Index has been gradually improving since hitting a low during the worst of the credit crunch around early 2009, according to Lee Redding, interim dean, associate professor of business economics and director of the Innovation Index at the College of Business.
The Innovation Index tracks economic innovation in Michigan based on calculations of employment of innovation workers, trends in venture capital, trademark applications, incorporation activity, small business loans and gross job creation. For the third quarter four of the indicators advanced, while two declined. Five of the six were above year-earlier levels.
Positive indicators in the third quarter 2011 Innovation Index were gross job creation which rose in the quarter reversing two earlier quarters of declines, trademark applications coming from the State of Michigan, which continued an increase that began in late 2009, innovation workers, the percentage of workers employed in science and engineering, which increased slightly and venture capital funding. Negative indicators included incorporations and LLC filings, which were down in the third quarter, and Small Business Administration Loans, which fell modestly in the quarter.
The next UM-Dearborn Innovation Index report, due in late May, will contain a detailed report of fourth quarter 2011 activity with preliminary indications for the first quarter of 2012. Redding collaborates on the project with economist Anne-Louise Statt.
Founded in 1959 with a gift of just over 200 acres of land and $6.5 million from the Ford Motor Company, University of Michigan-Dearborn is a metropolitan university serving southeastern Michigan, committed to excellence rooted in strong academics, innovative research and programming and civic engagement. The University has nearly 8,900 students pursuing more than 90 bachelor's, masters, doctoral and professional degrees in liberal arts and sciences, engineering, business and education. A top-ranked university with a faculty devoted to teaching, and students committed to achievement, UM-Dearborn has been shaped by its history of partnering with local leaders and communities, and is committed to finding solutions for the challenges that face the region.
Beth Marmarelli
313-593-5542 / firstname.lastname@example.com


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Sometimes you just need a little boost — something to fire you up a notch. Use the power of your Miami Hurricanes as fuel for your own greatness when you sport this Nike Logo tee! Featuring a heat-sealed Miami wordmark across the chest, this bold tee will keep you feeling at the top of your game. Whether you're cheering at the stadium or out celebrating another victory with friends, you'll always be proud to be a Hurricanes fan in this shirt.
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Dr. Linda Lee, a Board-Certified member of Mass. Eye and Ear's Facial and Cosmetic Surgery Center, began her career as a chemical engineer, before realizing that helping patients was her true passion in life. "I enjoyed my work as an engineer, but when I made the decision to pursue medicine, I felt so passionate about working with patients," Dr. Lee recalls.
You can make a difference! Take a moment to learn more about how you can help Mass. Eye and Ear improve the lives of people with vision, hearing, voice and balance problems. Find out how you can support all the great work at Mass. Eye and Ear.
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INGLEWOOD, Calif. (June 10, 2009) — Rail Trip, who suffered his first defeat when caught by Ball Four in the stretch of the Mervyn LeRoy Handicap, will try to avenge the loss in Saturday's $250,000 Californian at Hollywood Park.
The Californian, a Grade II event at 1 1/8 miles, is the final major prep for the $700,000 TVG/Betfair Hollywood Gold Cup on Saturday, July 11. It drew a contentious field of 12, including defending Gold Cup champion Mast Track.
Rail Trip, owned by Jay Em Ess Stable and trained by Ron Elllis, entered the 1 1/16-mile Mervyn LeRoy with a five-for-five record. The 4-year-old son of Jump Start fought back after being passed by Ball Four and held off fellow Californian starter Dakota Phone by a half-length to earn second money. Winner of his career debut here last November, he has earned $197,790.
Flying Zee Stable's Ball Four, an 8-year-old gelding by Grand Slam who was making just his seventh start in the last three years in the Grade II Mervyn LeRoy, scored his only other Grade II victory in the 2006 Kentucky Cup Classic at Turfway Park. Overall, he has won seven of 25 starts for earnings of $711,520.
Rail Trip and Ball Four will have to contend with much more to earn a trip to the winner's circle Saturday, including defending Gold Cup champion Mast Track.
Mast Track, owned, bred and trained by Bobby Frankel, connected at odds of better than 10-1 while setting a leisurely pace in the 2008 Gold Cup. The son of Mizzen Mast, who has failed to win in five starts since the Gold Cup, has been training under Frankel's eye at Belmont Park. He has won five of 15 starts for earnings of $760,022.
Nine Californian winners have gone on to win the Gold Cup, the latest Lava Man in 2005. Ball Four is the lone horse with a chance of matching Eleven Stitches as the only horse to sweep the Mervyn LeRoy, Californian and Gold Cup. He will break from post eight. The entire field for the 56th running of The Californian will line up as follows:
Mr. Napper Tandy, Julio Garcia, 120; Mast Track, David Flores, 116; Rail Trip, Jose Valdiva Jr., 116; Aitcho, Mike Smith, 116; Ukiah, Corey Nakatani, 116; Song of Navarone, Victor Espinoza, 118; Informed, Tyler Baze, 116; Ball Four, Joseph Talamo, 120; Limestone Edge, Joel Rosario, 116; Unusual Smoke, Martin Garcia, 118; Dakota Phone, Rafael Bejarano, 116, and Awesome Gem, Alex Solis, 116.
Song of Navarone, a 5-year-old son of 1992 Gold Cup winner Sultry Song, invades from Lone Star Park in Texas. He had a four-race winning streak in New Mexico before finishing a troubled third in the Lone Star Park Handicap on Memorial Day. Trained by Henry Dominguez and owned by George Coleman, he has won eight of 12 starts for earnings of $667,158. In his lone Southern California start, he finished third in the 2007 Sham at Santa Anita Park before winning the WinStar Derby at Sunland Park.
West Point Thoroughbreds' Awesome Gem, a 6-year-old by Awesome Again, is the most accomplished horse in the field with four wins and nine seconds in 24 starts for earnings of $1,243,882. A fast-closing third in the Berkeley Handicap on Memorial Day at Golden Gate Fields, he registered his biggest win in the 2007 San Fernando at Santa Anita.
Dakota Phone has won four of 17 starts for earnings of $275,010; Mr Napper Tandy shifts to the main track after winning the Grade II San Francisco Mile on turf at Golden Gate; Aitcho steps up in class after scoring an allowance win here at 1 1/16 miles in April; Informed comes off a third in the Grade III Alysheba at Churchill Downs; Limestone Edge won a one-mile allowance race at Churchill in mid-May; Ukiah has a win and a second in allowance company since being claimed for $25,000 in March, and Unusual Smoke finished eighth in the Berkeley after connecting at nine furlongs on turf in the TVG Khaled Stakes here in April.
In Saturday's co-feature, the $100,000 Round Table Handicap at 1 3/4 miles on the Lakeside Turf Course, Obrigado and Porfido carry co-high weight of 119 pounds. The field will line up as follows:
Obrigado, Rosario up, 119; Leesider, Tyler Baze, 114; Plug Me In, Martin Garcia, 115; Porfido, Flores, 119, and Zappa, Smith 116.
The Round Table will run as the third race and The Californian as the ninth of ten races on Saturday's program at Hollywood Park. First post time is at 1 p.m.
Copyright © 2009-2014, Hollywood Park. All rights reserved.


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INGLEWOOD, Calif. (June 13, 2012)-Longtime syndicated handicapper Bob Ike, who is also a founding partner of Summit Racing, will be Kurt Hoover's guest on the Inside Scoop Saturday, June 16 at Betfair Hollywood Park.
Ike and Hoover will discuss the Grade I, $250,000 Vanity Handicap, the $100,000 Willard L. Proctor Memorial Stakes and the $100,000 Cinderella Stakes as well as selected other races on the Betfair Hollywood Park program.
The Inside Scoop will begin at 12 Noon at the Paddock Tote Board.
Copyright © 2009-2014, Hollywood Park. All rights reserved.


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Your youngsters' cheers will be heard from a mile away when they support the Devils in this replica jersey by Reebok. This jersey replicates the ones their favorite players wear on the ice and features a printed team logo on the front, keeping them cheering and involved in the game no matter what the score is.
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- Side slits at hem
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In honor of Emergency Preparedness Month, the Washington, D.C., Pulmonary Hypertension Support Group came together in October for a talk on PH emergencies given by a nurse educator. Group leaders Kim Ford and Conchita Watson also worked with a local patient, Alex Flipse, to organize a memorial bubble-making tribute to a young PH patient who passed away.
This article originally appeared in the Winter 2012 issue of Pathlight.
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Multi-time Baja 500 and 1000 winner. Dirt Rider's "Bike of the Year." Lauded by experts as arguably the best big-bore trailbike ever. Simply put, The CRF450X is the king of 450-class off-road machines, and features like the revolutionary Honda Progressive Steering Damper and works-style brake discs are a big reason why.
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Grand Prairie Ford in Grand Prairie, Texas offers you one of the most comprehensive selections of new Ford cars, trucks, SUVs, and Vans in the Dallas Metro area. "Many DFW area drivers are enjoying their new or used cars from Grand Prairie Ford. In addition to shopping for new Fords in Texas, GP Ford also offers a wide variety of pre-owned cars and trucks - from exotic to the dependable first cars, we have the right used car for you! Learn more about Grand Prairie's innovative and safe 2014 model lineup.
At GP Ford, we are proud to carry one of the largest selections of new Ford Trucks. The Ford F-150 has been one of the best selling vehicles in the country for over 30 years! Grand Prairie Ford has a great Bargain Inventory Selection of Cars under $10K as well.
When stopping into GP Ford we have an entire Ford line up of Cars and SUVs, From V8 Ford F-150's to speedy Shelby Mustangs - we carry them all. The 2014 Ford Fusion was the 2014 Green Car Journal's Green Car of the Year. The 2014 Ford Mustang is back with over 300 Horsepower - STANDARD! For economy, choose from the 2014 Ford Fiesta or the 2014 Ford Focus - both offer a sporty, fun driving experience! For those looking for more luxury, Ford is proud to offer the 2014 Ford Taurus - including the hot SHO edition! For the family, we have the 2014 Ford Flex with plenty of space and comfort. The 2014 Ford Edge sport is amazing to drive with a whopping 305 horsepower V6! Get informed about the new 2014 Ford Edge at Grand Prairie Ford.
On the Commercial side, we offer a large selection of heavy duty trucks and we carry the Ford Transit Connect which was the North American Truck of the Year! For larger jobs, we offer the E-Series van - an American commercial staple. Don't forget to ask about the exclusive Ford Work Solutions technology for your small business.
Our Ford Dealer In Texas serves Dallas, Mesquite, Desoto, Burleson, Duncanville, Garland, Plano, Irving, Carrolton, Mansfield, Grapevine, Arlington, Fort Worth, and the rest of the DFW area. When it comes to Ford Service - we can't be beat! Our service department will have you ready to go in no time. Need a collision center after an accident? Look no further than Grand Prairie Ford Collision Center - we repair all Ford makes and models. Our parts department stays stocked with OEM Ford parts and we can special order anything else you might need for your Ford.