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- Adel Bibi
- Amman
- Jordan
This conversation is closed.
What is the biggest problem you want to solve?
I'm an undergraduate electrical engineer. I'll be doing my senior project in less than a year from now. I'd like to hear your comments on the problems you face daily and you really want to solve.
All suggestions will be taken seriously, and I'd love to work on many projects at once.
Dec 14 2012: I'm really saddened by the way humans, namely the 'superior beings', resort to violence to achieve their interests and solve misunderstandings. Sometimes I ask such people ' Can animals talk?' They reply with an obvious 'no'. Then, I ask them ' Can we humans communicate and talk amongst ourselves?' They say 'yes'. I go on and say:' Animals unable to communicate, unable to understand, any problem tend to solve their problems using violence and aggressiveness. We humans even after having received the ability to speak and understand problems resort to violence. Tell me then, what is the difference between a human and an animal? ' Violence is something I hate and would like it to be eradicated from the world. The only solution I see to this problem is spreading ideas against violence and invoking a consensus with the people of the world on this matter.
Berend Maepa
Dec 15 2012: reconciliation among-st the African, stopping the bloodshed and creating an accommodating environment to all the races,religion and social groups in Africa. In all i'd like to make Africa a better place to the rest of the worldDec 18 2012: We can solve all problems, where would you like to start?
- +2
Gail .
Dec 15 2012: I would like people to become self-aware - which is an educational thing. When we are a culture of self-aware people, bloodshed, violence, and the disparity of wealth can finally come to an end.
- +1
On a much smaller scale, and one than an electrical engineer-to-be might be interested in - If I won a huge lottery today, I would find students around the world to find a way for homes to produce free energy sufficient to power a modest home. (Perhaps a hydrogen-on-demand system that would fit in a shed, combined with an inverter to convert the power to the appropriate wattage)
I lived full-time for many years in a motorhome. My hot-water heater was only 15 gallons, but so well insulated (with propane backup for quick emergency re-heats) that I could turn the heater off in the morning after breakfast dishes and not need to turn it back on until the next morning. No big oven that wasted power. Mine was a microwave/convection. My 350 sq foot home was so efficiently designed that it was much easier to live in than the home I now live in.
Part of me would love to gut the motorhome of its wonderful devices and build them into the house, but I don't know how much power I would need to generate to run a house, and have been unable to figure that out. I don't know how many hydrogen fuel cells I would need to generate sufficient power. Wouldn't it be wonderful if homes had their own power stations in a shed in their back yards? The oil cartels would be out of our lives and much violence would end. I could use a golf cart or electric car for transportation - and power it from my own power station.
Dec 15 2012: That is a very nice idea.
I was reading a paper on how to generate energy not my Hydrogen cells but rather by walking. Yes, by walking.
There are specific type of electronic devices used today in electric drums known as "Pizo-electric Transducers", these small circuits generate electricity whenever there is a change on pressure on it. So this can be used in a way to be implanted in the floor, so whenever someone walks over it, it generates electricity that can be stored and used later.
Think this will be the best project to work on.
Thanks for your comment.
Gail .
Dec 15 2012: Wow! How fascinating, thanks. Harvesting micro energy sources like this could easily be applied to many, many things. I look forward to studying this today.Dec 14 2012: Fixing people would be my first choice. Removing apathy, installing better education, etc.
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But I too am an Electrical Engineering undergraduate, and I realize that as far as projects go that one is a bit out of our fields. So, something in the field:
1. Set up a household energy monitoring system.
This was one I proposed my senior year of high school, but lacked the electronics knowledge to design an actual product. Make products that perform the same function as electrical outlets and switches, but with wireless (induction-based?) sensors that transmit energy consumption data to a hub. Also, make them remotely operable so that home/business owners can shut off or turn on lights on command.
2. Find a good way to repurpose old desktop computers.
This one falls more under computer science than EE, but I think a case could be made for it. Find a way to do something either with all the raw materials of the computers or the processing/disk space of older machines.
Dec 15 2012: Thanks alot for your response, it was very helpful.
I guess your first proposal in very practical, and it will go under a project know as "Smart House". By which you can control all of your house using a software app, or by voice using voice recognition systems. The idea of the energy consumption monitor is already in stores, but I guess it's not (wireless).
Thanks for your comment.
Bob Stiglitz
Dec 14 2012: A system that tells you how much power you are using, one thing that I disliked as a kid is my parents always telling me to turn off the lights if I had some idea how much it was costing to run the light I could argue back. Kind of like a digital device like a clock with measurements/consumption and nifty readouts like how much its costing you.
- +1
Invent this my friend! People who argue about the use of electricity in the home all over the world will love you, and easy system that can get at total power used by most frequently used devices in the home.
Dec 15 2012: Very possible idea.
Guess I have to start researching on it very soon.
Thanks alot, your comment was very helpful.
Bob Stiglitz
Dec 15 2012: I was thinking if you're really ambitious could make a cloud/website service that keeps stats on "worst energy offenders" so there is a database of the most power hungry products so there is market pressure on manufacturers to drive energy consumption of their devices down. I know it would be a lot of work but it'd be great if we had some kind of standard system to easily and quickly be able to read the power we are consuming all around us.
- +1
Meredith M
Dec 14 2012: Excuse my English as it's not my first language either.
- +1
I'm just a normal student, so what I want to solve are quite individual. Such as "how could I make the best use of my time" or "what's the best way to keep weight".But since I'm a student studying under the kind of educational system that is not quite shaped to the needs of the children, I'm also keep thinking about one question: why we all know this educational system has deficient but still haven't seen any change? Who plays the most important role in an educational system reformation? Students? Teachers? Parents? Or still politicians?
Dec 21 2012: Meredith,
"Who plays the most important role in an educational system reformation? Students? Teachers? Parents? Or still politicians?"
I find your question posed to this question rather intriguing. In the end, I think it must be the parents. The child's voice is not loud enough to carry the needed messages to the politicians ear. Parents should learn the enthusiasm their child shows for school, and they should speak out to the politicians so the schools themselves can match the child's enthusiasm. If schools were more open, a little less regulated, who knows? Kids might want to stay in school, leading to them wanting their kids to have a better time in school, and a self-appreciating spiral is formed. At least that's theory.Dec 14 2012: The human need to be "arrogant". Arrogance blinds reason, humility and the ability to learn.Dec 13 2012: Poverty is the biggest problem prevailing everywhere.
Though measures have been taken in order to get rid of the problem,it has not been completely eradicated.
Need to work on it and find out effective solutions that can act as positive tools which will help to get rid of the problem completely.
It's not a one man work,it's a group activity.Dec 12 2012: If I have the power there will be no more badly made films on the earth.
Dec 12 2012: Excuse my English as it's not my first language.
I guess this specific project is tough to do. It's because I think that deciding whether a movie is good or bad is relative and differs from a person to another.
Could you tell me what are the measures you take when deciding if a movie is considered to be a good one?
Thanks for your comment.
Dec 12 2012: Nothing grand. Just a good story told with technical and creative excellence. I will always love a filmmaker that gets the best of the medium.
Dec 13 2012: Hello Feyisayo,
How will you decide a film is bad?
After watching the movie?
If you do after watching the movie,what will be your call?
Before the movie is on air,promotions are on verge which does have an impact on the people who will then decide whether they need to watch it or not.
How will you change their decision?Dec 13 2012: I just love a good story; and sometimes, explaining what a good story is, is like explaining what love is. Individual experience is a better revelation.Dec 13 2012: I just love a good story; and sometimes, explaining what a good story is, is like explaining what love is. Individual experience is a better revelation.Dec 26 2012: Perpetual energy... If we could solve this we would have enough energy to fix the rest of the problems easy.
W. Ying
Dec 26 2012: How can people quit their ineffective (invalid, bad) happiness easily?
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Mike Sha
Dec 25 2012: manage my time efficientlyDec 25 2012: I want people around me to understand me. I want to have a peaceful mind, want to concentrate on necessary and relevant things. I am a final year electrical engineering student so a bit worried about the future.Dec 20 2012: Sub $20 per MWh renewable energy with energy storage. It would be at a third the cost of any of the fossil fuels or nuclear and motivate corporations via their bottom line to go green.
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http://en.wikipedia.org/wiki/Cost_of_electricity_by_source#US_Department_of_Energy_estimatesDec 20 2012: Efficient human survival.
W. Ying
Dec 26 2012: So, i think,
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People should quit their ineffective (invalid or bad) happiness.
Wrong?Dec 18 2012: existenceDec 18 2012: There are so many problems that I don't know where you should start.
Just to name a few in random order.
1) consumption of the earth (food / water problems combined with global warming)
2) religion based wars (terrorism, war on terror, wars between 'clans' mainly in the arab world (etc.))
3) health issues (mainly in Africa)
4) the broken monitairy system.
5) space aviation issues (which could be our only possible salvation to some of the above problems)
6) social isolation. Where people who do not fit in go sit behind a computer and log-in to 'feel lonesome together with millions of other lonesome people'.
7) unequality in the world. (women rights / rights in afica / unequality in salary / etc.)
There are so many...Dec 18 2012: To me, there are only 2 problems: Entropy, and the Food Chain. Humanity should be able rise above these 2 design flaws. By focusing on these 2 design flaws, humanity could eliminate fear and unnecessary suffering, and increase joy.
Using electricity more efficiently is one way to reduce Entropy.
Thanks for your question :)Dec 18 2012: I wanna give my life a ****ing meaning, but of course you cant help me with that... :|
Good luck with your project.
Dec 18 2012: Sorry for that mate. I recommend you voluanteer in a comunity center. That will help for sure. :)Dec 20 2012: If you are an engineer you can help me solve the worlds energy problems.Dec 17 2012: That mass marketing and an ignorant population have destroyed democracy. Get on it.Dec 17 2012: Adel, Staying realistic and noting that you are about to be come a EE ... please consider this.
When I purchase a product that you invented ... included will be directions. And the problem begins.
The consumer is given instructions written by someone who is familiar with the product. Eliminate the technical jargon in the user guide ... speak plain talk. Convience your bosses that after the instructional phamplets have been written to send someone to the mall and ask fifty people to read and apply the instructions without your assistance and film the action. Bring back the films and do a critical review as well as a debrief of the fifty volunteers ... then make changes.
On the last aircraft I helped design a number of gages were placed where they could not be seen or read. The engineers only knew they were necessary but since they would never have to use them them did not follow up. The point is this Adel ... being a good EE is easy if you work in a office and never care about what leaves your area. So I suggest that you consider the whole picture design .. cost ... instructions ... and what is being addressed most on your help lines and by technical assistance agents.
Good luck. Bob.Dec 17 2012: Social injustice.Dec 14 2012: where I live stray and feral cats and dogs are a HUGE problem. Depending on the area Hundreds and Thousands are unnecessarily killed weekly.
The local city shelters say they cannot afford to house the stray animals for longer than 3 days and to compound the problem the private shelters are corrupt and benefiting personally with little regard for the health and welfare of these animals.
I spend most of my paycheck free time fighting this problem but I am not making much progress... so if anybody reading this wants to talk to me and perhaps offer ideas I am eager and open to all suggestions.
I believe in creating a no kill society.Dec 13 2012: Stop looking at others failures and comparing it to you in order to consider yourself successful!! People need to stop taking joy out of other people's sorry and need to work collectively!!!!Dec 13 2012: The greatest problem I am trying to solve in my life is to find a shortcut to wisdom. If I figure it out, all the lazy bums out there will get the possibility to become wise in no time.Dec 12 2012: Power outages.
Electrical power is essential to modern everything. Our power infrastructure should be designed and built to deliver electricity always, under any circumstances. A reliable grid is far more important than a smart grid.
Dec 12 2012: Excuse my English as it's not my first language.
What is happening nowadays is that we make generators specifically known as "Synchronous Generators". Once multiple of them are made and are in operation, we then connect all those generates together in parallel. In this manner whenever on of these generators fail, it won't affect the others as they'll keep working. This method is like power sharing.
The problem comes when a huge catastrophe happens such as Tornadoes and other natural phenomena which kills all/most of the generators at once.
Will be thinking of a new design for the generators that will solve such a problem.
Thanks for your comment.
Dec 12 2012: The problem is not so much the generators as the fragile delivery system.
In the USA, most of our high voltage lines are carried on metal towers that are vulnerable to weather and earthquakes. Even more vulnerable are the local lines, carried on wooden electrical poles. These local lines are often cut by falling trees. These methods were a good first draft, but it is time we became serious about a design for reliable delivery.


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National Alliance on Mental Illness
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What Is Hearts & Minds?
The NAMI Hearts & Minds program is an online, interactive, educational initiative promoting the idea of wellness in both mind and body. Wellness is an ongoing process of learning how to make choices that support a more successful, healthy life.
Engaging in a wellness effort can make a huge difference in the quality of your life. One study, published in the Journal of the American Medical Association, showed that taking the wellness approach can result in a 17 percent decline in total medical visits and a 35 percent decline in medical visits for minor illnesses.
Wellness is about the individual; you can decide what parts of your life you would like to change and you can determine your own success.
Increased Heart Disease Risk for People with Mental Illness
People living with mental illness are often at higher risk for heart disease and much of that risk is preventable.
People living with mental illness are more likely to have classic heart-risk factors, such as cigarette smoking, obesity, diabetes, elevated cholesterol and hypertension (high blood pressure), some of which can be compounded by some antipsychotic medications.
Metabolic Syndrome and Type 2 Diabetes
America is having an epidemic of diabetes according to the New England Journal of Medicine. Unfortunately, the risk is greater for people living with mental illness, especially those taking second-generation atypical antipsychotic medications (SGAs). Another issue to be aware of is metabolic syndrome, a condition that can be a precursor to diabetes.
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Meet Ray
I have been smoke-free for more than a year now, but for 50 years I was a pack-a-day smoker. I spent nearly five years trying substitutes and medicines -- the nicotine gum, a nasal spray from the National Institutes of Health (NIH), Chantix, the patch -- you name it. Some made me sick to my stomach and the patch wouldn't stay stuck to my skin.
I quit cold turkey three times, but it never lasted. At one point, I was hospitalized for an operation and I set a goal of going two days without a cigarette at all. I failed. When I got home I wanted to prove to myself I could stop. I realized if a cigarette was getting in the way of daily life I could just put it out, so I kept it to two puffs; however I only inhaled the first puff.
I said to myself, "That's not smoking! You don't smoke!" and that was it. Now I can taste food better and climb stairs better, and I enjoy taking deeper breaths wherever I go. I hope no one else needs surgery to finally quit smoking; when I think back, I'm just grateful that I've stopped.
Ray Lacey


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SANFORD, Fla.—Seventeen-year-old Contessa Skelton learned that her mother had lost her job—for the second time in two years—as they stood in the parking lot outside her dentist's office.
Her mom told her the bad news. Together, they cried a little. "I was shocked," Tessa says, about one year later. "I didn't know what to think at first."
Her mother assured her that everything would be OK. Still, it was hard for Tessa to believe that after her mother's employer, Remington Colleges, had given her all of one hour to clean out her desk—along with just a week of severance pay. Her mother had lost her previous, long-standing job at GE Capital less than two years earlier.
The unemployment rate in Florida that July 2011 still hovered above 10 percent. No one was having an easy time getting or keeping a stable, well-paying job, even people who had a college degree or had worked for a major corporation.
High school had already been a rocky time, financially and socially, for Tessa. She had learned to watch her money constantly, incessantly even, thanks to her mom's bouts with unemployment. Did she have enough for gas? What about lunch, if she wanted to go off campus for pizza with her friends? She also needed money for a swim-team uniform and dues for dance competitions. And that summer, just before her senior year, the expenses of applying to college loomed large. If college was a ticket to prosperity, then just getting in line to get in—paying for the SATs and sending in applications—cost hundreds of dollars.
Tessa already worked 20-plus hours a week at a pizza place called Hungry Howie's, where she made pies, took orders over the phone, and worked the register for $7.85 an hour. Now, she'd need to keep up her hours (along with her grades) during her senior year if she wanted any pocket money. For someone from her solidly middle-class background, it was a weird feeling to worry so much about money.
Yet, Tessa's story is hardly a unique coming-of-age moment. At the height of the economic crisis, in 2010, more than 8 million children and teenagers in the United States lived with an unemployed parent, according to the Brookings Institution. That's one of every nine kids, living in the shadow of the most severe wave of job losses since the Great Depression.
Their experiences and worldviews, although still coming into focus, are part of the trickle-down effect of the jobless recovery. The Obama administration says that the economy is slowly improving, and unemployment has fallen below 8 percent; but for many children and teens of jobless parents, the experience of the Great Recession lives on and will probably stay with them for years.


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High concept anti-surveillance fashion finds mass appeal
SURVEILLANCE It's all a mess: the government is suddenly (to those of us waking from our Twinkie nap) spying on us. Mulder and Scully were right, trust is for the foolish and undisturbed sleep is for the ignorant.
All the more reason to go out. Authoritarian regime is no excuse for poor style, says New York high tech fashion designer Adam Harvey. And armed with his projects, drone-defeating tactics can look damn good.
Even before Edward Snowden's heroic leak of documents laid bare the NSA's wide-ranging surveillance of American citizens, Harvey was busying himself merging privacy rights with fashion. Witness his LED-aided clutches that deflected the flash of cameras — the ultimate accessory for A-list independents ("Camoflash", 2009).
But perhaps you are more of the sporty type? Harvey's newest collection, "Stealth Wear" includes a half-hoodie that deflects thermal imaging surveillance. Heat-seeking systems won't be able to see you, but that babe in the club sure will. His designs have an anti-colonial gaze: two "Stealth Wear" garments take the form of burqa and hijab. He's also developed "CV Dazzle", a series of makeup looks that foil facial recognition software and "OFF Pocket", a sleek envelope that blocks one's cell phone from sending or receiving signals.
We caught up with him through an insecure email account.
SFBG "CV Dazzle"'s look seems very of-the-moment when it comes to the avant-garde fashion you see in clubs. What's the inspiration?
Adam Harvey The first look, with the black-and-white makeup, developed from my fascination with the Boombox scene in London. I studied party photographs as well as tribal face painting, especially from Pacific Islands. What I found was that only one of these styles worked, club fashion. Tribal body decoration does more to enhance key facial features which make a face easier to detect. The bold, ambiguous looks of the club scene were more algorithmically resistant. From there, I worked with Pia Vivas, a hair stylist to create the first look. And then collaborated with DIS Magazine to create the second and third looks.
SFBG How have the recent NSA revelations informed your work?
AH The news struck while my collaborator and I were planning production for the "OFF Pocket." It's the first time I'm taking an art project and turning it into a marketable product. A lot of my work in privacy arts is speculative and provocative, but I think some concepts can be even more provocative when they're accessible to more people. What happens when countersurveillance goes mainstream? That's a discussion we need to have because if the government doesn't respect privacy, then I think we should have the right to countersurveillance.
SFBG Where is "OFF Pocket" at in the production process? Have you sent one to Edward Snowden?
AH It's very close. I've gone through a lot of prototyping and testing to ensure that the product works well. Once a phone is inside and the case is properly closed, you really can't access any part of it. If I knew where Edward Snowden was, I would send him a thankful dozen.
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Les Avals boasts an enviable location in the heart of Courchevel 1650, just across the road from the main telecabine and with all the local shops on hand. It is full most weeks with returning guests who have come to enjoy its unique ambience.
The hotel is home to Rocky's Bar, one of the most popular and lively bars in Courchevel 1650. With satellite TV and daily happy hours it boasts live music on certain nights of the week and a large terrace where you can enjoy snacks and drinks.
All rooms are en-suite with balcony and those on the back benefiting from fantastic views down the valley. The dining room is large enough to sit all guests and staff around tables of 12 and there is a comfortable upstairs lounge in which to relax. Its location allows easy access to the massive Three Valleys ski area, and the exciting atmosphere both in the chalethotel and the village promises a good time.
We understand that one of the most important parts of any winter holiday is the food. At the end of a crisp day on the mountain, there is nothing better than sitting down with a glass of wine to enjoy a delicious three course evening meal and relive the day's adventures.
Every morning we provide a hearty buffet breakfast. On six mornings there is also a cooked option to choose from, such as bacon or sausage with scrambled eggs. Delicious afternoon tea is provided of freshly baked cakes, bread and jams, and tea or coffee. On six evenings you will enjoy a wonderful three course evening meal accompanied by free, unlimited regional table wine. On the festive last evening of the week the meal is followed by a delicious and varied cheeseboard of local specialities and complimentary port.
Please note: For the benefit of parents and other guests, children under the age of 13 take their evening meal at 6.00 pm – 6.30 pm, unless they are part of a full chalet group.
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Celebrating Elvis®! Baby doll collection by artist Cheryl Hill, each with a FREE musical accessory and Elvis-themed costumes.
Measure 20" H
From The Ashton-Drake Galleries
- Price:
- s&s
Since Elvis® picked up his first guitar, he was destined to steal our hearts. Now, you can celebrate this amazing legend with this first-of-a-kind Elvis Presley® commemorative musical baby doll collection. beginning with Issue One, Jailhouse Rock, which includes a FREE musical guitar - a $60 value. Soon, your collection will continue with Issue Two, Blue Suede Shoes with heart and Issue Three, Hound Dog with plush dog. Additional musical Elvis dolls, each a separate issue, will follow.‡
Exclusively from The Ashton-Drake Galleries, each lifelike baby doll in this collection is 20 inches high and sculpted by Master Doll Artist Cheryl Hill. Each stunning issue features a doll dressed in Elvis-themed clothes, inspired by his most popular hits. Soft hair, stunning blue eyes, long eyelashes and hand-painted fingernails and toenails add more charm to each issue. Plus, each issue features an image of Elvis and his replica signature. High demand is expected, so you must hurry. Order now!
- Celebrate the King of Rock 'n' Roll® with this first-of-a-kind Elvis Presley® commemorative baby doll collection, exclusively from The Ashton-Drake Galleries
- Each lifelike baby doll in this collection is handcrafted of artist's resin, stands 20 inches high and is sculpted by Master Doll Artist Cheryl Hill
- Officially authorized by the Estate of Elvis Presley®
- Each doll is dressed in Elvis-themed clothing featuring real cotton and jean fabrics and inspired by his most popular hits
- Soft hair, big blue eyes, long baby eyelashes and hand-painted fingernails and toenails add more charm to each issue
- Every doll in this collection features an image of Elvis and Elvis's replica signature
- Included FREE with Issue One, a custom-crafted guitar that plays "Jailhouse Rock™" - a $60 value
- Each issue is poseable for many display options
- Guitar requires 3 "AAA" batteries (not included)
- Certificates of Authenticity
- Measure 20" H; 50.8 cm H
- Reserves the entire collectible Baby, Let's Rock! Doll Collection from The Ashton-Drake Galleries in your name so you never risk an increase on the price of other collectibles in this collection, or miss a single issue of this collection
- ‡Each issue will be shipped to you for your review, about one every month or two (pending availability), at the same low issue price and charged to the credit card on which your order was placed. No need to order each one separately
- You may cancel your collection at any time with no obligation
- "Issue One - Jailhouse Rock with FREE Musical Guitar" will be followed by "Issue Two - Blue Suede Shoes with Heart," "Issue Three - Hound Dog with Plush Dog," "Issue Four - Don't Be Cruel with Teddy Bear" and additional collectible Elvis Presley dolls as they become available
©EPE, Reg. U.S. Pat. & TM. Off.
©2009 The Ashton-Drake Galleries


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See what it's like to have new pedals again, without buying new pedals.
Time ATAC Replacement Cleats prevent worn cleats from premature ejection or stubborn release. Brass cleats and hardware give just a little without feeling sloppy, like a handmade steel frame only way, way cheaper.
Tech Specs
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TIME ATAC Cleat
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Pete OBrien
Replace your worn out cleats today!
- Familiarity: I've put it through the wringer
I like to compare replacing worn out cleats to tuning your skis or snowboard. You will feel the difference immediately. These cleats last much longer than Crank Bros in my opinion. They have a Right and a Left so be sure you install them on the correct foot.
TIME to switch
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If you are still running Crank Brothers pedals and like the feel; its time (haha) to try out the TIME ATAC system. The float feel is very similar, with the addition of lateral float, but the durability is significantly better. This is more an endorsement of the Time system, rather than the cleats, but there's nothing to complain about here either. Top notch.


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Go Goa Gone
Action/Adventure, Horror, Comedy
Hardik and Luv are two dope heads who tag along to Goa with their best buddy, Bunny, on his business trip. Luv comes across a free-spirited girl, Luna who casually invites them to an exclusive underground rave party on a remote island! The party is the brainchild of the macho Russian Mafioso, Boris, to launch the ultimate party drug.But something is not right on this island! All of a sudden, they are accosted by zombies! Where did these zombies come from? And who is Boris really? And why has this cold-hearted drug-dealing don come to save their lives? Together they need to get the hell out of the infected island! But do they?
Cast: Saif Ali Khan, Kunal Khemu, Vir Das, Puja Gupta, Anand Tiwary
Produced by:
Directed by: Raj Nidimoru, Krishna D.K.
Written by: Raj Nidimoru, Krishna D.K., Sita Menon
Running time: 1hr 42min
Opens: May 10, 2013 Limited
|Theaters for Today
Pick a day
on this day.


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- Independent
- The Enterprise
- The Recorder
The long-embattled Southern Memorial Gardens cemetery may have new owners by the end of July, assuming there are no objections to the sale or there are no better or higher offers for the purchase of the property.
According to a notice of sale filed with the U.S. Bankruptcy Court for the District of Maryland on June 13, Southern Memorial Association Inc. has entered into an asset purchase agreement for the purchase of the personal and real property of Southern Memorial Gardens, located on Ward Road in Dunkirk, with the cemetery's trustee, Gary A. Rosen.
Repeated phone calls and emails from The Calvert Recorder to Rosen have not been returned, and attorney Steven Greenfeld could not be reached as of time of press.
"The Trustee believes that the sale of the assets of the Debtor is in the best interest of all creditors and will provide for the ongoing operation of the cemetery in a professional and responsible manner," the notice of sale states. "Moreover, the State of Maryland Office of Cemetery Oversight has approved the purchase by the Purchaser, whose officers currently own and operate other cemeteries in Maryland which are permitted and in good standing with that Office."
A meeting is scheduled for Thursday at 11 a.m. at the cemetery to discuss the pending sale to Southern Memorial Association Inc. with all concerned parties, according to several emails from Calvert County community members with vested interests in the cemetery. Also according to those emails, Rosen, a representative from the state and the attorney for Southern Memorial Association Inc., will be present for the meeting.
In 2009, Larry Deffenbaugh, the former owner of Southern Memorial Gardens, was convicted of defrauding 551 people out of funeral and memorial items. According to previous reports, Deffenbaugh embezzled funds that were supposed to be used for specific items, including caskets, by using cheaper merchandise and keeping the extra money. Court records show that the alleged thefts and embezzlement occurred between 2005 and 2006 before the business was sold to Daniel and George Martin, owners of Badtec Inc. in 2005.
In July 2011, Badtec Inc., the existing owners of the 30-acre cemetery, was banned from continuing services at the cemetery after violating a cease and desist order issued by the Maryland Department of Labor, Licensing and Regulation Office of Cemetery Oversight, which accused George and Daniel Martin of operating without a valid license because they were reportedly struggling financially.
The cemetery was foreclosed about the same time and the Martins filed for bankruptcy in December 2011.
The notice of sale states that Badtec Inc. currently has three default loans from lender Manufacturers Traders Trust Co. As part of the sale agreement, Southern Memorial Association "has purchased from the Lender those notes and succeeded to the rights of the judgments under those notes, as well as the deeds of trust on the Real Property," the notice states.
Because Southern Memorial Association Inc. purchased Badtec's loans, the company will acquire the real property located at the cemetery. In addition to the 30.61-acre property, the company is also acquiring "all equipment consisting of any motor vehicles, furniture, computers, and furnishings located" at the cemetery "along with the inventory, including all caskets, urns, vaults, monuments and other inventory."
SMA will also acquire "the intangible assets" of the cemetery, "including the name Southern Memorial Gardens and all goodwill associated with that name and the business."
Southern Memorial Association will assume and provide "all liabilities and obligations arising under the terms of paid-in-full burial contracts," the sale notice states. This includes all customers listed as having paid-in-full contracts, customers whose files maintained by the cemetery contain contracts or other evidence that their obligations are paid in full and customers who can prove "to the reasonable satisfaction" of SMA that their obligations are paid in full, the notice explains.
In addition, SMA will allow customers with pre-need burial contracts that are not paid in full to enter into new contracts with SMA, and will give those customers "a dollar for dollar credit" for the previously paid amounts by those customers who can prove "to the reasonable satisfaction" of SMA that they have made partial payments.
Southern Memorial Association will also pay the "estate sum" of $25,000, which will be applied to trustee fees and outstanding property taxes.
The notice of sale states that any party who objects to the cemetery's sale must do so in writing and file it with the Clerk of the Court, United States Bankruptcy Court for the District of Maryland, 6500 Cherrywood Lane, Greenbelt, MD 20770 with a copy served to Rosen. An additional copy should be sent to U.S. Trustee, 6305 Ivy Lane, Suite 600, Greenbelt, MD 20770. All objections must be filed and served within 21 days of the day the notice was filed.
Any parties wishing to submit higher or better offers for the purchase of the cemetery should submit offers in writing to Rosen by mail and fax with copies filed with the bankruptcy court prior to the close of business July 8.
Rosen can be contacted at 301-251-0202, ext. 14, by mail at 1 Church St., Suite 802, Rockville, MD 20850, or online at firstname.lastname@example.com.
According to the notice, a hearing to consider any objections and any higher or better offers for the purchase of the property is scheduled for Monday, July 22, at 11 a.m. in Courtroom 3-E, U.S. Court House, 6500 Cherry Lane, Greenbelt. In the event that no "timely" objections are filed or higher or better offers submitted, the hearing will not be held and Rosen may proceed to finalize the sale, the notice states.


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Every year in May, the Indiana State Police districts hold memorial services to honor the memory of those who have died in the line of duty. The memorial services give us the opportunity to remember each of the lives sacrificed, and encourages us to uphold the level of professional service to the public for whom our departed comrades gave their lives.
The Putnamville District Memorial Service will be held on May 8, 2013 at 11:00 a.m, at 1550 E. 181st Avenue, Lowell, Indiana.
For a listing of Indiana Troopers killed in the line of duty and a summary of their deaths, visit http://www.in.gov/isp/2336.htm


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My bobcat says 11,000watt on the cover... but its something like 9500watt continuousOriginally Posted by Manisoba:310567
Results 11 to 20 of 36
For some reason I didn't realize that, Mine is the same and I was thinking they were stating 11,000 continuous but I guess it's not. Its Accu-Rated,,, LOL well crap.
From Miller:
Accu-Rated Not Inflated Generator Power
Millers Accu-Rated 11,000 watts (12,000 with EFI) of usable peak power is delivered for a minimum of 30 seconds. Accu-Rated means peak power is usable for maximum generator loads such as plasma cutting, Millermatic® MIG welders and motor starting. Accu-Rated peak power beats the competitions very shortduration peak or surge power. Use your peak power, its more than a number.
What generator would be good for a mm200?
Tractor Supply had a Generac 7500(continuous 9350 peak) for $800 last month. That's way less than a good used bobcat with a 2 yr warranty. Guess the big question is are you gonna run it for 40+ hrs a week or bout 4. If you gonna work the thing then you need a bobcat.
08-10-2013, 02:08 PM #14Member
- Join Date
- Mar 2012
- Posts
- 65
What generator would be good for a mm200?
Lol guess I stand corrected on the rating. I just remember the older rangers like the 8 were advertised on continuous. When I bought my 305g I guess I didn't notice the peak rating and just the continuous.
Think we were talking REAL generators, not chinese junk. The generac lineup put out the crappiest of crappy power. Almost don't know where the sinewave is on one of these when its on a scope. good for RV's maybe,,,
08-10-2013, 04:32 PM #16Member
- Join Date
- Sep 2012
- Location
- Posts
- 66
When people say "power", they usually mean "average power" whether they know it or not.
Watt = energy/sec or joules/sec, or J/s
1 J/s = 1 W
10 J/s = 10 W
20 J/.5s + 0J.5s = 10W
10 J/1ms = 10,000 W.
When Miller says 1100 0W they mean 11000Jx30/30s or 330000J/30s = 11000W. That is, 330000J averaged over 30 seconds.
When Miller says 9500W continuous they mean 9500J/s which I take to mean a 100% duty cycle or for as long as you want.
In order to get average power you need to know the number of joules over a certain period of time. If the period of time is tiny, like a millisecond, 10000W has little, if any, practical value.
Now from the Generac spec sheet all is found is:
AC Rated Output Running Watts 7500
AC Maximum Output Starting Watts 9375
What does "Running Watts" mean? Is the machine sprinting for 2 seconds, or is running a marathon?
What does "Maximum Output Starting" mean? How long is "starting"? 1 second? 2 seconds?
In short, the Generac spec doesn't say anything specific. It is vague. Hence, no comparison is possible.
we have had generator questions in the past... I seem to remember some discussion of some of the less than "Pure Sinewave"... being dangerous to the welder... taking out boards etc...
I regularly run a Dyn 200DX off of a 1979 vintage 5kw Homelite... but I scoped that long before I did and it makes a very pretty sine...
(genset purchased new).
The more you know, The better you know, How little you know
The bitterness of poor quality remains long after the sweetness of low price is forgotten
Buy the best tools you can afford.. Learn to use them to the best of your ability.. and take care of them...
My Blue Stuff:
Dynasty 350DX Tigrunner
Dynasty 200DX
Millermatic 350P w/25ft Alumapro & 30A
Millermatic 200
TONS of Non-Blue Equip, plus CNC Mill, Lathes & a Plasmacam w/ PowerMax-1000
Yes the early homelite, and pretty much any unit that was built in the States, that had parts derived out of Japan had a true sinewave characteristic. These were built to last, and designed rather well.
If you look at the genertor, you'll likely find a bunch of Japanese symbols. Todays machines are simply put, crap. You get what you pay for and sometimes that doesn't work either. when I go to an auction, I buy up all the older generators, cause everyone thinks newer is better. I also get a kick out of buying a machine with 6 - 8K hours, while everyone else is buying he same age unit with 1 to 2 K hours at double the price....... hour meters do turn over ya know.....
Was curious...
I remember banter about some of the gensets eating welder electronics???.
The more you know, The better you know, How little you know
The bitterness of poor quality remains long after the sweetness of low price is forgotten
Buy the best tools you can afford.. Learn to use them to the best of your ability.. and take care of them...
My Blue Stuff:
Dynasty 350DX Tigrunner
Dynasty 200DX
Millermatic 350P w/25ft Alumapro & 30A
Millermatic 200
TONS of Non-Blue Equip, plus CNC Mill, Lathes & a Plasmacam w/ PowerMax-1000
08-10-2013, 10:07 PM #20Senior Member
- Join Date
- Sep 2005
- Location
- 16919 Pole Rd. Brethren, MI 49619
- Posts
- 4,514
This reminds me, I am down to one working generator


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New Look for Amarra Launches at RMAFWednesday, October 12th, 2011
Sonic Studio showcases acclaimed sound with new release
San Anselmo — This October, over 1,100 exhibitors and 3,500 audio enthusiasts will gather in Denver, Colorado for the 8th annual Rocky Mountain Audio Fest. The newly improved Amarra product family will be showcased by its creator, Sonic Studio, LLC, in conjunction with several industry-leading channel affiliates. Partners AudioEngine, Audio Plus Services, Benchmark, Bottlehead, Cypher Labs, Dan D'Agostino, Eficion, Esoteric, High End Palace, Mach 2 Music and Ron Meyer Recordings will all feature Amarra and MINI in their suites.


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2013 Ski Bindings2013 Ski Bindings in stock and ready to ship out fast when ordered with The-House.com. Our top of the line 2013ski bindings will keep you safe and help you enjoy skiing that much more. We carry freestyle ski bindings and race ski bindings by Marker, Salomon, Look and many others. New technology makes exiting the bindings effortless, backward release reduces the chance of injury and riser plates help with carving. Our ski bindings come with 30 years of great prices-selection-outstanding service.
2013 Ski Bindings
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Size: 90mm
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September 3 2015 Latest news:
Mark Shields
Friday, February 28, 2014
Stargazers were treated to a sparkling display last night when the Aurora Borealis lit up the skies over Norfolk.
Photographs of the phenomenon – caused by charged particles from the sun interacting with our atmosphere – have been circulating on social networks overnight and this morning as people across the county fell under the spell of the dancing lights.
• How news of Norfolk's aurora developed
Duty forecaster at Weatherquest, Steve Western, this morning explained that the Vikings used to call the phenomenon "the bridge to Valhalla".
He added that the Aurora may return over the weekend.
"It is quite likely that over the next few days we may see it again. The only problem will be the cloudy weather.
"Tonight there will be some breaks in the cloud. Saturday night there will be more of a chance to see it again rather than tonight - maybe Sunday too."
Norfolk astronomer Mark Thompson, host of Stargazing Live, posted a picture on Twitter of the display, which is also known as the Northern Lights.
He said the spectacle had been anticipated, following a burst of activity on the sun around four days ago, but that it had been brighter than expected.
"Aurora displays usually happen around the North and South poles, so to see them this far south is pretty rare," he said.
"I haven't seen one like that in Norfolk for about 20 years."
Starting at around 8pm, the lights lasted several hours and faded during the early hours of this morning.
Mr Thompson said the aurora would have been visible across the county and into Suffolk, but that people in north Norfolk would have had the best view.
"They wouldn't have had the bright lights of Norwich in the way, as you look due north to see the aurora," he said.
"Scientifically, we don't learn a lot from Aurora Borealis – they are just nice to look at.
"But I'm writing a book on astronomical photography at the moment and, as luck would have it, I got the chance to get some pictures of my own." Comments on Twitter have been flooding in.
Wymondham resident Dani Groom (@DaniGroom) was unable to see the spectacle and said: "I've just looked outside my window in Wymondham. Nothing here wish there was would LOVE to see it."
Taking photos from Cley Windmill, @BrianEganPhoto tweeted: "Aurora Borealis from @CleyMillNorfolk in North Norfolk tonight Magic." And Lois Carter (@Loiscarter) simply tweeted: "Whoa!"
• If you saw the aurora and have photos we would love to use them. Also we want to know if you are going aurora-hunting in Norfolk tonight. Send your photos to email@example.com or edp24 on Twitter.
3 comments
Should be more this weekend. However with the naked eye is doesn't look as good as the photographs show which are taken on a long exposure settings. Worth seeing nonetheless.
Friday, February 28, 2014
Wonderful photographs, but what time can we expect to see this fantastic phenomenom? (Assuming a clear sky!)
Friday, February 28, 2014
Looked north during yesterday evening and saw nothing. Must be my location being in Hellesdon I suppose.
Friday, February 28, 2014
The views expressed in the above comments do not necessarily reflect the views of this site


text:
La solicitud de membresia sólo se ofrece en inglés.
Sin embargo, PenFed tiene representantes de servicio bilingües disponibles para
responder a cualquier pregunta que pueda tener y para ayudarle.
Tenemos la intención de desarrollar una versión de la solicitud de membresía en español en los meses que vienen.
Por el momento, si quisiera unirse a PenFed, favor de llamarnos al 800-247-5626 de lunes a Viernes: 7:00 AM – 5:00 PM, tiempo estándar del este.
Además, usted puede clic el botón verde abajo para completar la solicitud de membresía en inglés.
only once for the life of the loan
shown do not include taxes or insurance, actual payments may be greater. Rates
and offers are in effect as of August 27, 2015, for new applications only, for a limited
time, and subject to change without notice. Example based on $100,000 loan.
Other restrictions apply. Rate is variable and can increase by no more than 6
percentage points every 15 years (9.250% for this example). Since the index in the
future is unknown, the First Adjustment Payments displayed are based on the
current index plus margin (fully indexed rate) as of the date above.
Keep in Mind:
Have these on-hand: previous two
Federal Income Tax Returns, your W2, current pay stub, and banking statements
when you apply.
4 Smart Steps to Take Before Buying Your First HomeThursday, June 19, 2014, 4:00:01 PMBy Andrea N. Browne, Online Editor, Kiplinger.com
Becoming a homeowner can be a daunting process for anyone, especially young adults or those without experience making such big purchases. Rushing through this long-term, multi-step financial process -- deciding how much home you can afford, fixing any blemishes on your credit report and saving for a down payment -- can prove tremendously costly. Years before you even think about hiring a real estate agent and starting an in-person home search, you need to take the time to prepare yourself financially.
If you intend to buy a house in the next five years or so, here are four steps to help lead you down the path to homeownership.
1. Consider where you want to live.
Don't buy a home where you live now, just for the sake of homeownership. For many twenty- and thirty-somethings still exploring their career paths, buying a home can really limit their freedom. If you're serious about becoming a homeowner, make sure the city you decide to buy in is a place you won't mind sticking around for a while. Experts often advise would-be buyers to plan on staying in a new home no fewer than five to seven years. "You're going to spend thousands of dollars to get into the home. To get out of it is going to be equally expensive and may possibly cost more when you do it in less than five years or in a down market," says Keith Gumbinger, vice-president of HSH.com, a publisher of mortgage information and rates.
How do you decide which area is best for you to settle down in? You should definitely consider the local job market and cost of living. Other key factors that will likely impact your quality of life: the city's demographics, access to public transportation and the social scene. If you're single, for example, you might be interested in places with an abundance of other unmarried people. Or people with limited budgets might want to look at cities where they can still have a life outside of the office without having to pay a fortune for it (see Best Cities for Cheapskates).
2. Determine how much home you can afford.
Once you've decided where you want to live, use a home search Web site, such as Realtor.com or Trulia.com, to get a detailed look at the market, recommends Eric Tyson, co-author of "Home Buying for Dummies." It'll provide perspective on the types of properties for sale and what sellers are asking for. Seeing exactly how much homes cost will help you determine how much you can actually afford and how much you'll need to save for a down payment. If homes in your desired neighborhood are outside your price range, you can delay buying until you save more money, or you can downsize the type of home you're looking to buy, or search in a different neighborhood.
That's what happened when I embarked on a new home search with my boyfriend last spring in the Washington, D.C., metro area. In the beginning, he was pretty adamant about being in the city -- me, not so much. We soon realized that our list of must-haves (a modern home with three bedrooms, two bathrooms, central air conditioning and designated parking) meant we could only afford a fixer-upper in northwest Washington. Because neither of us is handy -- and I wasn't comfortable buying a place that needed a ton of work -- that wasn't an option. After that reality check, we broadened our search area and settled on a new townhome community located in a Maryland suburb about ten minutes outside D.C. Homes there cost about half as much as comparables we'd seen in the city.
3. Boost your credit.
Your credit score plays an important role in qualifying for a mortgage. A score of 740 or above will help you secure the best interest rates. In the Washington area, for example, that's about 4% for a $200,000, 30-year fixed-rate mortgage with a 20% down payment, according to Bankrate.com. (Look up mortgage rates in your area.) If your score is lower than 740, however, expect to pay a higher rate. For that same loan in the D.C. metro region, if your credit score ranges from 680 to 699, the lowest rate you'd be able to get is about 4.25%.
Many young would-be home buyers might find themselves with blemishes on their credit report, thanks to missed student loan or credit card payments. Lucky for me, I learned long before pursuing homeownership that such behavior comes back to haunt you in the form of a low credit score. I've changed my bad spending habits and boosted my score. If you check your credit report early, you'll have ample time to correct any issues. "What you don't want is to have to address a bunch of mistakes on your credit report while actively looking for a home and trying to get approved for a mortgage loan," says Gumbinger.
Visit AnnualCreditReport.com to get a free report from each of the three major credit bureaus. If you notice a problem in one report, be sure to check with the other two bureaus, too. You can dispute an error by contacting the credit bureau directly. Note that your free credit report does not include your actual credit score. You'll usually have to pay to see your FICO score. At myfico.com, you can get your credit report and FICO score from each of the three credit bureaus for about $20 each. (Your score can vary from bureau to bureau.)
4. Start saving for a down payment.
In addition to building stellar credit, you should also save enough for a down payment of at least 20% of the home price to snag the best mortgage terms. That amount saves you from having to pay for private mortgage insurance, or PMI, which protects the lender if you default on the loan. Even with an excellent credit score, if you put just 5% down on a home that costs $201,700 (the national median existing home price as of April 2014), private mortgage insurance will cost you an additional $92.61 each month, according to HSH.com.
That down payment's not chump change; 20% of $201,700 amounts to $40,340. For many young adults with starting or even mid-level salaries, it can take many years to stash away that much. Start saving now!
You should keep the cash liquid because you're aiming to use it in the next few years. We stored our funds in a regular savings account to give us direct access to it. You might also consider a short-term certificate of deposit. Neither option will earn you much right now, but your money will be safe from market losses and easy to tap as soon as you need it. What's next?
Once you've completed these steps, you should be ready for the second phase, which includes finding a trustworthy real estate agent, getting preapproved for a mortgage loan, viewing potential homes in person and making an offer on a home. WCopyright 2014 The Kiplinger Washington Editors
Save for a HouseMonday, May 05, 2014By Pat Mertz Esswein, Associate Editor, Kiplinger's Personal Finance
Before lenders will approve you for a mortgage, they want some assurance that you aren't going to default on the loan--that you have enough income to pay your mortgage, enough savings for a down payment and closing costs, and a good credit history. The better your credit profile and the bigger your down payment, the lower the interest rate for which you'll qualify. (In early April, the average 30-year fixed rate was 4.3%.)
Lenders size up your "three c's"--credit history (your credit score and your record of debt repayment), capacity (income, savings and investments) and collateral (your down payment and the value of the home you want to buy, after an appraisal). They verify employment for the past two years and try to predict how likely it is that you'll keep your job. If you're weak in one area, strength in the other two or in a spouse's profile may compensate.
To figure out how big a mortgage you can afford, lenders apply payment-to-income ratios. (The majority of banks and credit unions sell the mortgages they originate to Fannie Mae or Freddie Mac--agencies that guarantee the loans made by lenders--and follow their rules.) Your monthly mortgage payment shouldn't exceed 28% of your monthly gross income (before taxes and other deductions). That 28% limit covers principal and interest, real estate taxes, homeowners (hazard) insurance, and homeowners or condo association dues.
Recurring monthly payments for all debts (including student loans, even if they're deferred) shouldn't exceed 36% of your monthly gross income. The Federal Housing Administration (FHA), another loan guarantor, bumps up the ratios for mortgages and all debts to 31% and 43%, respectively (it doesn't include student-loan payments that are deferred for a year or more).
Probably the greatest challenge for would-be home buyers is saving for the down payment. Fannie Mae and Freddie Mac require a minimum down payment of 5% to 10% of a home's purchase price. In early 2014, 10% down on a median-priced home in the U.S. would have required nearly $19,000. Put down less than 20%, though, and you must pay for private mortgage insurance. The FHA allows down payments as low as 3.5% but requires that you pay upfront and annual insurance premiums.
If you've been stashing money in a traditional IRA, you can withdraw up to $10,000 penalty-free for a first-time home purchase (you'll owe taxes on 100% of the withdrawal unless you've made nondeductible contributions). You can always withdraw your contributions to a Roth IRA without penalty or taxes, and you can take up to $10,000 of earnings penalty-free for a first-time home purchase. If your Roth has been open for at least five years, those earnings are tax-free, too.
Or you can generally borrow up to half of the balance of a 401(k), up to a maximum of $50,000, for any reason. The interest you pay on the loan goes back into your account. Your employer may give you up to 15 years to repay the loan if you use the money to buy a home, and the loan doesn't count in the debt-to-income ratio.
Copyright 2014 The Kiplinger Washington Editors
What You Need to Know About ARMsSunday, December 15, 2013The Editors of Kiplinger's Personal Finance
When you shop for an adjustable-rate mortgage, or ARM, make sure you understand how these features affect the loan:
Adjustment intervals. With an ARM, the interest rate adjusts periodically throughout the life of the loan. The adjustment schedule is set out in the mortgage contract. A loan with an adjustment period of one year is called a one-year ARM, and the interest rate can change yearly. Hybrid ARMs have an initial period during which the interest rate remains fixed and adjusts annually after that. You'll find 3/1 ARMs (the initial rate is fixed for three years), 5/1 ARMs, 7/1 ARMs, and 10/1 ARMs, as well as 5/5 ARMs (the initial rate is fixed for five years and then adjusts every five years). The longer the initial fixed-rate period, the higher the initial interest rate you will pay and the less advantage the ARM offers over a fixed rate of interest.
Index. Each ARM is tied to an index that moves up and down in tandem with the general movement of interest rates--often the London Interbank Offered Rate (LIBOR). The index is used to figure the new loan rate for the next adjustment period. The calculation date -- typically one to two months before the anniversary date of the loan -- is set out in the contract.
Adjustment margin. This is the percentage amount the lender adds to the index rate to get the ARM's interest rate. Look for it in the mortgage contract. The margin amount, commonly one to three percentage points, usually remains constant over the life of a loan. Whatever the margin amount, add it to the index rate at the adjustment anniversary to get a new "adjusted" rate.
Teaser rates. Some ARMs come with a starting rate that's below the fully indexed rate (the index rate plus margin). The teaser rate may last only a short time, sometimes only a few months, then convert to a fully indexed rate. This can lead to "payment shock" for borrowers who aren't prepared for a significant increase in their monthly payment. Under new rules that go into effect in early 2014, lenders who want to make "qualified mortgages" (which protect them from having to buy back failed mortgages from investors and guarantors) must determine whether you can afford the monthly payment based on the fully indexed rate, not just the teaser rate, before they approve you for a loan.
Other Features
Caps on interest. There are two types of interest-rate caps. Lifetime caps limit the interest-rate increase over the life of the loan. With a "5% lifetime cap," your rate can't increase more than five percentage points over the initial rate no matter how high the index rate climbs.
Periodic caps limit the interest-rate increase from one adjustment period to the next. For example, your mortgage contract could say that your rate could rise only two points at each adjustment period--a typical limit--even if the index rate increases, say, four points in one year. When rates rise rapidly, periodic caps cushion borrowers from overly steep payment hikes.
Caps on payment. ARMs with payment caps rather than rate caps limit your monthly payment increase at the time of each adjustment, typically to a certain percentage of the previous payment. They can create negative amortization (meaning the outstanding mortgage balance increases) when rising interest rates would dictate payments higher than the cap permits. The difference in such cases is added to the loan principal, and as a result your indebtedness can actually grow while you think you're paying off the loan. ARMs with payment caps are rarely offered and should be avoided. The new "qualified mortgage" rules forbid a negative amortization feature.
So-called "option," "pick-a-payment" or "pay-option" ARMs, which were popular during the last real-estate boom, often resulted in negative amortization. Each month borrowers could pay their choice of a minimum, interest only, or fully-amortized 15-year or 30-year payment. These, too, have largely disappeared.
Copyright 2013-2014 The Kiplinger Washington Editors
15/15 ARM: Available on purchases and refinances. Not available for applications without a property address (pre-purchase). The initial rate is fixed for 15 years (180 months). When the rate adjusts, your new rate will be the then current index (weekly average yield on US Treasury securities adjusted to a constant maturity of 10 years) plus a margin of one percent (1.000%) rounding to the nearest one-eighth (0.125%). The new rate cannot exceed six percent (6.000%) above the initial rate or cannot be lower than the floor rate of one percent (1.000%).
15/15 ARM Mortgage Payment Example: The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $100,000 and an estimated property value of $125,000. The property is located in Alexandria, VA and is within Fairfax County. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account may be required as noted below. The rate lock period is 60 days and the assumed credit score is 740. At a 3.250% interest rate, the APR for this loan type is 3.351%, other rates and terms available. The monthly payment schedule would be $435.21 for the first 180 months at an interest rate of 3.250% and $431.45 for the next 180 months at an interest rate of 3.125%. Payments shown do not include taxes or insurance escrows; actual payments may be greater. NOTE: A 1% origination fee applies to this loan. The origination fee may be waived by adding 0.25% to the selected rate. The application of points will be determined by the loan to value (LTV) ratio. Points are the responsibility of the borrower and not covered in promotions. The maximum loan –to –value (LTV) for 15/15 ARMs is 80% and combined loan-to-value (CLTV) is 95%.
Investment properties not eligible for offers. All Mortgage Programs: The application of points will be determined by the loan-to-value (LTV) ratio combined with certain representative credit scores. Points also apply to certain cash-out refinance transactions, certain condominium transactions, and some transactions with subordinate financing. Origination fees may apply to certain programs. The origination fee may be waived by adding 0.25% to the selected rate. ¹For a purchase transaction, the rate cannot be locked until PenFed has received a ratified sales contract executed by all required parties. The applicant is responsible for the following fees and costs at the time of closing. Origination fee, appraisal fee, tax service fee, CLO access fee, title fees, transfer tax fees, credit report fee, flood cert fee, recording fee, survey if required and work verification fee, escrow reserves and interest due until first payment, other cost may be included due to program specific circumstances. This is not intended to be an all-inclusive list. Escrows may be waived if LTV is 80% or less in all states. Borrowers are required to have sufficient reserve assets available to cover 6 months full payments including principal, interest, homeowner's insurance, property taxes and homeowner associated dues and/or mortgage insurance, if applicable. For non-primary residences, we require 12 months of reserve assets. If a loan is withdrawn, the applicant may not reapply for at least 90 days from the date the application was withdrawn. Conforming Mortgages: For loan amounts from $25,000 to $417,000 (Loan amounts up to $625,500 are available in Alaska and Hawaii). The maximum combined loan- to-value (CLTV) is 95%; 80% LTV and above are subject to private mortgage insurance (PMI). The maximum LTV and CLTV for condominiums is 80%. The maximum loan –to –value (LTV) for 15/15 ARMs is 80% and combine loan-to-value (CLTV) is 95%.
Jumbo Mortgages: For loan amounts above $417,000 to $750,000 (Loan amounts from $625,500 to $750,000 are available in Alaska and Hawaii). The maximum loan-to-value (LTV) is 80% and the maximum combined loan-to-value (CLTV) is 90%. The maximum LTV and CLTV for condominiums is 80%.
Super Jumbo Mortgages: For loan amounts above $750,000. 5/5 ARMs up to $4 million and Fixed Loans up to $2 million. The maximum loan-to-value (LTV) and combined loan-to-value (CLTV) is 80%. In DC, MD and VA only, the maximum LTV and CLTV for condominiums as a primary residence is 80%. The LTV and CLTV in all other states for condominiums is 75% The LTV and CLTV for second home condominiums is 70% in all states. All above disclosures apply to non-Veteran's Administration (VA) loans. VA loans have different guidelines and eligibility requirements. All rates and offers are in effect as of September 2015, offered for a limited time and subject to change without notice. Other restrictions may apply. Contact your PenFed mortgage consultant for any applicable additional restrictions and details about your loan. To receive any advertised product you must become a member of PenFed by opening a share (savings) account. Federally insured by the NCUA. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
This credit union is federally insured by the National Credit Union Administration. Rates are current as of September 2015 unless otherwise noted and are subject to change. APY = Annual Percentage Yield APR = Annual Percentage Rate©2015 Pentagon Federal Credit Union
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Idaho Transportation Department
• North Idaho
• North-Central Idaho
• Southwest Idaho
• South-Central Idaho
• Southeast Idaho
• East Idaho
ProjectsIdaho Transportation BoardIdaho Transportation Investment ProgramMetropolitan Planning OrganizationsLocal Highway Technical Assistance CouncilNatl. Environmental Policy Act (NEPA)Drive Act Summary
Southeast Idaho
US-91 North Corridor Plan
US-91 North Corridor Plan
Project FactsKey Number: 08116
Project Number: STP-1767(101)
The Idaho Transportation Department (ITD) has developed a 20-year corridor plan for US-91 to provide a comprehensive, long-range planning document that will guide corridor management and project programming over the next 20 years. The US-91 Corridor Plan addresses transportation needs and proposed improvements for 40 miles of US-91 from Siphon Road in the City of Chubbuck to Sunnyside Road in the City of Idaho Falls.
A Public Review Draft US-91 Corridor Plan is now available for review and comment.
Project BackgroundThe corridor plan examines the role of US-91 in the transportation system, identifies existing roadway problems and needs, documents existing environmental and land use conditions that may be impacted or benefit from future highway improvements, what the future transportation conditions and needs will be in 20 years, and develops goals and objectives for future improvements to, and management of the highway.
The Public Review Draft Corridor Plan recommends a number of corridor-long safety improvement management strategies as well as several specific improvement projects.
The plan was developed in consultation with the Shoshone-Bannock Tribes, business and community stakeholders, city and county elected officials and technical staff, resource agency representatives, adjacent landowners, and other interested parties in the corridor study area.
Make CommentsThe Idaho Transportation Department values your input. The US-91 North Corridor Plan Public Review Draft is available for review and comment. Click on this link to see locations and addresses where reference copies of the Draft Corridor Plan will be available as of January 4, 2008.
Individual copies of the plan are also available in pdf format on a CD ROM. Upon request, a copy will be mailed by regular mail. To request a copy, please contact Diana Atkins or Chris Peirsol. Their contact information is available below.
ContactsChris Peirsol, ITD Project Manager
Idaho Transportation Department District 5
P.O. Box 4700
Pocatello, ID, 83201
Telephone (208) 239-3369, FAX (208) 239-3367
Diana Atkins, PB Project Manager
Parsons Brinckerhoff
488 East Winchester, Suite 400
Murray, Utah 84107
Telephone (801) 288-3227, FAX (801) 262-4303
Compliance with Title VI of the Civil Rights ActThe Idaho Transportation Department (ITD) is committed to compliance with Title VI of the Civil Rights Act of 1964 and all related regulations and directives. ITD assures that no person shall on the grounds of race, color, national origin, gender, age, or disability be excluded from participation in, be denied the benefits of, or be otherwise subjected to discrimination under any ITD service, program, or activity. The department also assures that every effort will be made to prevent discrimination through the impacts of its programs, policies, and activities on minority and low-income populations. In addition, the department will take reasonable steps to provide meaningful access to services for persons with Limited English Proficiency.
Project Map
US-91 North Corridor Plan
Click (+) to display/hide items
P.O. Box 7129
Boise, ID 83707-1129
Phone: (208) 334-8119
Fax: (208) 334-8563
TTY/TDD Users: Dial 711 or
(800) 377-3529 to use Idaho Relay System


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sid is such a liar
In his office Friday afternoon, Philbin pointed to the practice fields outside and said: "Out there is where we're going to find out about Ryan Tannehill, Matt Moore and David Garrard. I don't remember a master plan that said, 'Here's when Ryan's going to play.' If there is one, I was never told about it. We'll let them come to work, and the best man will win."'
I think it's safe to say we are trying to trade Matt
Jake Scott Super Bowl MVP. The real # 13!
I guess I should warn you, if I turn out to be particularly clear, you've probably misunderstood what I've said. Alan Greenspan
ha a Sid is trolling finheaven... at least he's not a jets fan
Moved to spam.
Love Matt Moore.. he turned chicken**** into chicken salad last season. Watching Henne on the sidelines and then Matty encouraging his line, his receivers, backslapping, etc, was like night and day.. and made me realize that Henne was the wrong horse to hitch your wagon to.. If this is true, which I am dubious about, I hope it's to AZ cause he will be the preemptive starter that he deserves to be and is as good as Alex Smith and make them more competitive with SF.
The superior man blames himself. The inferior man blames others.
- Don Shula


text: ART PRINTS FOR ART CONNOISSEURS Art print reproductions of paintings and photos is not a specialty for us, it has been our profession since 1993. TO THE SHOP � CANVAS PRINTS IN MUSEUM QUALITY We offer more than�beautiful�pictures. We produce canvas prints at highest quality standards. TO OUR CANVAS PRINT� CREATE YOUR OWN MASTERPIECE! If you love art we are the perfect match for you. TO THE TOP 1000 ART PRINTS QUALITY & SERVICE�ART PRINTS �OIL PAINTINGS�POSTERS�


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Euro Pornstars Porn Videos
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Percy Jones (Bernie Mac) is taking no chances with his daughter Theresa's (Zoe Saldana) future. Even before he meets Simon Green, her latest boyfriend, Percy has him checked out. On paper, he passes with flying colors - great job, good investments and a promising future. Not like the other losers she's dated in the past. But there's one thing the credit report didn't tell him. Simon Green (Asthon Kutcher) is white. Not that there's anything wrong with that. Unless, of course, Simon wants to marry his daughter. Which he does.
The cast includes Bernie Mac, Ashton Kutcher, Jessica Cauffiel, Zoe Saldana, David Krumholtz, Robert Hoffman, Niecy Nash, Sherri Shepherd and Paula Newsome.


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Boombox for iPad Tablet
Take and share your favorite tunes anywhere!
High-performance, full-range speakers deliver party-pumping sound—wherever you go
- Built-in FM radio with 4 presets
- Docking remote and LED display
- Charges your iPod®, iPhone® or iPad®, device when docked
- 3.5mm Aux In/Out for connecting to other players
- Rechargeable NiMH battery and AC wall adapter included
- Built-in carrying handle
- Up to 4 hours of continuous play
- Made for: iPod touch (2nd, 3rd and 4th generation), iPod classic, iPod nano (4th, 5th and 6th generation), iPhone 4, iPhone 3GS, iPhone 3G and iPad tablet, 2nd Generation iPad tablets, and 3rd Generation iPad tablets.
Our updated Boombox is lighter, thinner and more portable than ever—but its high-performance, bass-kicking audio is still going to rock your world. Built-in FM radio lets you listen to your favorite station and has 4 customizable presets to lock them in place.
Packed with features and ready to go.
The Brookstone® Boombox has a 3.5mm Aux In jack so you can enjoy Pandora® radio, YouTube® videos and other Internet radio and videos via a connected device. It features an easy-to-read LED display plus an integrated remote that lets you control your device menus without having to get up and walk over to the dock. Rechargeable NiMH battery delivers 4 hours of play on a single charge.
Order your Brookstone Boombox for iPad Tablet today and take your entertainment on the road whenever you like!
iPad, iPhone, iPod touch, iPod classic and iPod nano are trademarks of Apple Inc., registered in the U.S. and other countries "Made for iPod," "Made for iPhone," and "Made for iPad" mean that an electronic accessory has been designed to connect specifically to iPod, iPhone, or iPad, respectively, and has been certified by the developer to meet Apple performance standards. Apple is not responsible for the operation of this device or its compliance with safety and regulatory standards. Please note that the use of this accessory with iPod, iPhone, or iPad may affect wireless performance.
Boombox for iPad Tablet
Boombox for iPad Tablet
|Power Supply
|AC 100V~240V, 50/60Hz (input), DC 5.9V/3A (output)
|DC 3.6V 1500mAh (NiMH)
|Battery Life
|4 hours
|Remote Control
|Remote Control Battery
|1 CR2025 Button Cell
|Speaker Drivers
|2 x 3" speakers
|7.7"h x 15.5"w x 2.17"d
|2.6 lbs (approx)
|iPod touch (2nd, 3rd, and 4th generation), iPod classic, iPod nano (4th, 5th, and 6th generation), iPhone 4, iPhone 3GS, iPhone 3G, iPad
|3.5 mm jack
|FM radio enabled
Boombox for iPad Tablet
Brookstone-branded products are backed by a one-year limited warranty. Some massage chairs are backed by a two-year limited warranty (see massage chair product pages for details).
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- Home
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Ana was unable to build upon the momentum gathered by last week's Madrid semi-final appearance, as she was beaten 6-3, 2-6, 6-2 by world No.35 Ursula Radwanska in the first round of the Internazionali BNL d'Italia in Rome.
The 25-year-old was a shadow of the player who thrashed world No.6 Angelique Kerber in Madrid last week. She was tentative during most of the match and
Ana served seven double faults and won just 34 per cent of points on her second serve during the one hour, 44 minute match.
Ana's next scheduled tournament is the French Open, which begins in Paris on Sunday 26 May.


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2011-12 Course Descriptions
MUCM - Church Music
Hardin-Simmons University's Department of Music
MUCM 4327 Survey of Congregational Song (3-0-3), spring, odd years. The study of congregational song and its historical development. Areas of study include biblical backgrounds, poetic features, liturgies, psalmody, hymnody, and contemporary corporate song. Analysis of the planning and use of song in corporate worship will be explored. This course is offered intercollegiately through Hardin-Simmons University.
MUCM 4328 Philosophy of Church Music (3-0-3), spring, even years. Philosophy of Church Music is designed to help students develop a working philosophy of the role of music in the worship and general life of the church. Students will study Biblical precepts and historical thought to gain a scriptural perspective to music and worship and come to a better understanding of the philosophical issues that face church musicians. The precepts will be applied to current issues facing the church and students will be asked to develop a knowledgeable philosophy to apply to these situations. This course is offered intercollegiately through Hardin-Simmons University.
ACU in Dallas
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I'm just glad we're DONE with the Jets!
Ha. So many suckers here. Of course he's gonna be mr contrite right after his team got humiliated. He has no choice since his OCD forces him to come back. But be rest assured, within a few days he'll be spouting the same nonsense he always does along with a million excuses. Guess you guys forgot how after each jets loss it's always due to a myriad of excuses and within a week it'll be more of the same
It's just so damnnn funny how friggin' bad the Jets are. Hey nyjunc, you can crawl back under your green blankie and continue plucking your eyebrows.


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- Musician's Friend Best Selection, Price & Service. Guaranteed.
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at: 800-449-9128
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Comments about Remo Ocean Drum:
I've had your large, clear Ocean drum for years and have given several as gifts. It is a beautiful instrument in design and sound.The one with fish doesn't appeal as much - I like the simplicity of the clear drum and the high visibiltiy of the beads.
Comments about Remo Ocean Drum:
This drum is pretty cool in that you can get a really nice sound for its very simple disign. It's good for background sound in concerts. The only down side is the price in that I could prabably make somthing close to it.
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Sanyo PLCXT21L
PLC-XT21L Portable Multimedia LCD Projector (w/o Lens)
Offering a XGA resolution and 10-bit digital gamma correction, the Sanyo PLC-XT21L makes it possible to project high-quality high definition images from virtually any location. At 4000 lumens this extremely bright projec ...
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Eiki LC-XB42N
LC-XB42N 3LCD Projector With 4500 ANSI Lumens, Manual Zoom & Focus & XGA 1024 x 768
The Eiki LC-XB42N delivers 4500 ANSI Lumens of brightness at 85% uniformity and a 500:1 contrast ratio. The unit features an ethernet wired network for projector control and content delivery, as well as having WiFi wirel ...
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Sanyo PLCXT25L
PLC-XT25L XGA (1024 x 768) Multimedia Projector, 4500 ANSI Lumens, 19.2 lbs
The Sanyo PLC-XT25L Multimedia projector produces 4500 ANSI lumens with a true XGA resolution.
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Panasonic PTF300U
PT-F300U 4000 ANSI Lumens XGA LCD Multimedia Projector
In addition to being bright and easy to use, the PT-F300U LCD projector give you enhanced performance with minimal maintenance over time. Highly reliable optical block and a long operating life are ensured by the use of ...
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Panasonic PTF200NTU
PT-F200NTU LCD Multimedia Projector
The Panasonic PT-F200NTU is a high-performance LCD projector designed for use in fixed installations. The projector combines Panasonics original Auto Rolling Filter with an original lamp drive system to deliver crisp, br ...
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Eiki LC-WB42NA
LC-WB42NA 3LCD Projector With 3800 ANSI Lumens, Manual Zoom & Focus & WXGA 1280x800
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InFocus C445+
Proxima C445+ XGA (1024 x 768) LCD Multimedia Projector, 4000 ANSI Lumens
The C445+ boasts 4,000 ANSI lumens � bright enough to leave the lights-on or the window shades open during presentations. Upgraded LCD panels produce high-contrast ratios and better color saturation to fully command an a ...
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Epson V11H317020RM
V11H317020RM 450Wi Interactive Projector with RM Easiteach Software 2500 Lumens WXGA (1280 X 800)
The Epson BrightLink 450Wi Interactive Projector With RM Easiteach Software is such an unusually powerful communications tool it's hard to decide where to start first. But we'll give it a shot.
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Optoma EP774
EP774 XGA 4000 Lumen Projector
Exceptionally bright 4000 lumens, the EP774 projector is able to deliver stunning presentations in bright environments from its compact sleek design. The Native XGA EP774 delivers high performance images and video graphi ...
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Eiki LC-XB43N
LC-XB43N 3LCD Projector With 4500 ANSI Lumens, Manual Zoom & Focus & XGA 1024x768
With a weight of 8 pounds on a compact, low-profile design with a 3 panel LCD imaging which delivers a rich, color saturated picture, the Eiki LC-XB43N zoom and focus projector features a 4500 ANSI lumens with XGA resolu ...
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InFocus IN5312
IN5312 WXGA Projector With 4500 Lumens, 3D Capable, Lens Shift, 3 Lens Choices, Wireless Ready, HDMI, DVI-D, and 5 BNC Inputs & Crestron, AMX, SPcontrols Compatible
A seriously feature-packed installation projector, the InFocus IN5312 XGA Projector offers exceptional color performance, brightness and ease of operation. The five-segment color wheel and BrilliantColor technology di ...
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DX70 DLP Multi-Media Projector
The 3M DX70 is a superb choice for those who need an XGA projector that can reliably provide a bright, clearly viewable picture in virtually any environment. Its wide array of useful features are not only elegantly imple ...
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Hitachi CPWX625
CPWX625 LCD Multimedia Projector, 4000 ANSI Lumens, RGB (1024 x 768)
The Hitachi CP-WX625 LCD projector features a brightness of 4,000 ANSI lumens and a 2,000-hour hybrid filter, along with networking functionality and Hitachis proprietary My Image Campus Notification system. It is specia ...
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Sanyo PLCXL50
PLC-XL50 2000 ANSI Lumens LCD Short Throw Projector XGA (1024 x 768)
The Sanyo PLC-XL50 projector features a large diameter aspheric (non-spherical) lens and high-precision aspheric mirror. This allows for extreme short throw projection distances. You can project an 80" image from an ultr ...
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Sharp XVZ10000U
Building on the success of the award winning XV-Z9000U, SharpVision introduces the next generation in Home Theater: The XV-Z10000U high definition Digital Light Processing (DLP) front projector. Utilizing the new Mustang ...
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Sanyo PLCWXU700A
PLC-WXU700A 3800 Lumens Portable Multimedia Projector
The WXGA-resolution Sanyo PLC-WXU700A Portable Multimedia Projector pumps out vivid, sharp images at 3800 lumens and a 500:1 contrast ratio thanks to the combination of its 3LCD imaging panels (the part that creates the ...
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Epson V11H348020
V11H348020 PowerLite 4200W Multimedia Projector With High-Efficiency Lamp, Long-Life Electrostatic Air Filter, Web-Based Remote Control, Centered Lens Design & C2Fine Technology
The Epson PowerLite 4200W Multimedia Projector packs a lot of advanced features backed with strong specs and cutting-edge technology into a surprisingly affordable package. Its 4500 lumens of projection power combined ...
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Mitsubishi XD2000U
XD-2000U 3500 Lumens XGA DLP Projector
The Mitsubishi XD2000U XGA DLP projector supports a sharp 2000:1 contrast ratio and shines bright at 3500 ANSI Lumens. It supports Mitsubishi's exclusive Color Enhancer technology and Texas Instruments state-of-the-art D ...
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X90 Multimedia Projector
With its 4000 lumens, crisp video and data image display and wide selection of connectors, the 3M Digital Projector X90 is ideal for boardrooms, classrooms, multi-media and multipurpose environments. Advanced features li ...
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Eiki LC-XB43
LC-XB43 3LCD Projector With 4500 ANSI Lumens, Manual Zoom & Focus & XGA 1024 x 768
The Eiki LC-XB43 is an extremely bright and ultra portable projector, delivering 4500 Lumens and only weighing in at only 7.7 lbs. (3.5 kilograms). The projector includes 3D keystone correction, high contrast ratio, prog ...
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Mitsubishi FD630U
FD630U 1920 x 1080 DLP Projector - HD 1080p - 4000 ANSI Lumens
The new Mitsubishi FD630U is a DLP projector that offers great value, a native 1080P resolution of 1920x1080, a super bright 4000 ANSI lumens and a rich 2000:1 contrast ratio in an compact and economical package that wei ...
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Sanyo PLCXL51
PLC-XL51 1024x768 Ultra Short-Throw Multimedia Projector 2700 ANSI Lumen
PLC-XL51 achieve a bright 2,700 lumens thanks to a number of advanced technologies in their optical engine and a 275W lamp. With new optical engine,PLC-XL51 provides high reliability and high cntrast ratio of 1200:1. It ...
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Mitsubishi XL2550U
XL2550U XGA Projector
The XL2550U is a very versatile projector that is ideal for many types of projector needs. The XL2550U includes support for optional short, long and tele-zoom lenses to give flexibility to project in just about any room ...
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BenQ SP890
SP890 4000 ANSI Lumens Full HD (1920 x 1080p) Resolution DLP Projector
With Full HD (1920 x 1080) resolution and 4000 ANSI lumens of brightness at a tack-sharp 50,000:1 contrast ratio, the Benq SP890 DLP Digital Projector creates a unique theater experience wherever it's used.