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What is the Pad Fee in My Closing Costs?
It looks suspicious. A $500 fee called Pad on your Closing Document. What's that for and is it an outright rip-off? Several people have asked, so here is the answer.
The escrow agent (or attorney closing agent) cannot be short to close when it comes time to wire out funds. If they are even one dollar short, it will delay your closing, which could be disastrous for both the buyer and seller.
And in case you're wondering if they'd really delay closing a home loan for a mere dollar, the answer is yes. I saw a loan fail to close because it was 17 cents short. (The home buyer's cashier's check was missing 17 cents, so there were not funds to close. No one noticed it until after the signing. The escrow company would not kick in the pennies nor allow the loan officer to do so. The home buyer had to drive back out to the escrow company and write a check for 17 cents.)
To prevent that from happening, some closing agents build in a safety reserve amount, which they call a pad. Typically, it ranges from $300 to $500. Then after closing, what remains of the pad — hopefully all of it — is refunded to the borrower.
I've been in the mortgage business since 1998, and I have never witnessed nor heard of a rip-off or closing agent theft regarding the pad. Personally, I'd rather see a pad and refund than go through a short-to-close scenario.
Coming up next time I will reveal some big rip-offs. Yesterday, I saved one home owner who is refinancing $893 in needless junk fees (in our consultation). Details about that to come.
You are welcome to subscribe to this blog. I post once or twice a week on mortgage and credit.
I am licensed to do mortgage loans in CA and WA,
Three Changes to FICO 8: Is it time for an upgrade?
My mortgage company has upgraded our operating system and our email system. I upgraded my smart phone. This got me to thinking about the new, upgraded credit scoring system, FICO 8, and how most companies are ignoring it. What's the difference between FICO 8 and the old FICO 2 they're using? And why aren't they upgrading? Here are the answers.
The Fair Isaac Company (who creates the credit scoring models) made these changes to FICO 8:
1) More severe punishment for keeping high credit card balances.
I've been telling folks to keep your credit card balances low. With FICO 8, a high balance-to-limit ratio will penalize you even more if you don't pay heed. And for those who do? More points added for maintaining a low balance. I advocate keeping your balances below 30 percent of the limit.
2) More leniency for an uncharacteristic late payment.
If you have an isolated late payment that's less than $100, you won't get docked so many points. Why? You could be a good credit manager who forgot about that parking ticket or didn't know you had a balance remaining with your old cell phone carrier who has now reported you to collections for $35.92.
On the other hand, if you have lots of late payments scattered over multiple accounts, your credit score will be hit harder with FICO 8.
3) Lower benefit of credit sharing.
A parent may add their 18-year old to their credit account to boost the child's credit. The same for a family member helping a new immigrant. Or scammers who rents out their credit cards to people with bad credit for a fee. To protect against the scam, FICO 8 substantially reduces any benefit of account sharing.
Is Your Lender Using FICO 8?
No, your broker, banker, or full service mortgage lender is not using FICO 8. Why? Because the only versions allowed by Fannie Mae and Freddie Mac are these:
Experian: FICO 2
Equifax: Beacon 5.0
TransUnion: Classic 04
Why Haven't They Upgraded?
When I traded in my Galaxy 4 for the Galaxy 7, it wasn't free. And after companies upgrade their computer systems, typically, IT Support is kept hopping fixing issues. Multiply the cost and incidents by a million and you have your answer as to why the lending giants aren't upgrading. Besides, according to them, the current credit scoring models are working just fine, so why bother?
If you know someone who needs to improve his or her credit — or if you are a person who wants to become an expert on credit yourself — I've written Repair Your Credit Like the Pros for the layperson to learn how the attorneys and certified credit repair specialists fix their clients' credit. (See it here.) I would like to thank all the good folks who have purchased this book, and for all those who have written to tell me how life-changing it has been for them.
I'd also like to give a shout-out to the Boise, Idaho Envoy Mortgage lending team who purchased multiple copies to use as giveaways for their clients. Thanks!!!
Feel free to share this post via the Facebook and Twitter, because not many people know about the FICO version differences, even if they are in the real estate or lending business.
Are You Set Up for Fun or Stress in Retirement?
Will you be enjoying your retirement years, secure in owning your own home? Or will you be sweeping the floor at a fast food joint just to get by? Please don't make one of the biggest mistakes of your life by ignoring this issue.
A new survey* says 83 percent of respondents don't want to leave their homes when they retire. They don't want to be forced into a low income housing because they can no longer afford their mortgage. They've worked hard all their lives and they want to enjoy their home.
Not only that, but the survey showed almost no one wanted to rent!
If you are 40 years of age or older, now is the time to think about your mortgage. What do you need to do in order to set yourself up for a happy life later?
If you have 20 years or more remaining on your mortgage, consider refinancing into a 15-year loan, or even a 10-year loan. Some people can shorten their term and lower their payment at the same time, because interest rates are so low right now. Others might need to increase their payment somewhat, but as long as you can comfortably afford the new payment, it might make good financial sense and save you tens of thousands of dollars overall.
Is It Time For a Mortgage Check-Up?
If you are in California or Washington, I would be happy to provide you with a no-cost, no-obligation mortgage check-up. If you are in a state in which I am not yet licensed, check with your local full service mortgage loan officer. (I prefer a full service mortgage company over a bank for several important reasons.)
Whatever you do, please do not ignore your finances now. Your future self will thank you for taking good care now.
*Survey by the American College of Financial Services
Using Marijuana Money to Buy a House
Several people have asked me if they can get a mortgage using income from the legal sale of marijuana.
One person owns a state licensed shop that sells cannabis and related products. His shop does not have the 24 months required for self-employment, but he owned another business previously, so he can claim self-employment for more than two years.
Anther person is a W2 employee who works tending the marijuana plants. Prior to his current position, he worked for a nursery tending many types of flowers and plants. He says he has a history doing the same type of work, and the company he works for is legal in Washington state.
Can the shop owner and the employee qualify for a mortgage based on their incomes?
To get the answer straight from the source that provides money to banks and mortgage lenders for conventional loans, I spoke directly with Fannie Mae representative Deborah DeGarmo on June 21. (A transcript of our conversation was recorded at Fannie Mae and is available for underwriters who call and request the information, she said.)
The W2 employee who works for a legal business that sells marijuana can qualify for a mortgage just like any other W2 employee.
The business owner of a shop that sells marijuana cannot qualify for a mortgage based on that income, because that type of business is not yet federally recognized as legal.
So there you have it, from Fannie Mae. To qualify for a conventional loan, you need a down payment of at least 3% (which can be from an acceptable down payment assistance program). If you are in WA or CA, I am licensed in those states.
Map source: psu.edu
HomeAdvantage versus FHA Loan
Which is better for you? The HomeAdvantage loan or the FHA loan? Here is a quick and easy comparison.
Good to know: You do not need to be a first-time home buyer to qualify for either of these programs. As long as you will occupy the house as your primary residence for at least one year, you can use either HomeAdvantage or FHA.
- Has an income limit to qualify. In WA, it is $97,000 household income. In CA, it varies by county.
- Provides the cash for you to use as a down payment. (The down payment will be either 3% or 3.5%.)
- The down payment is not a gift. It is an interest-free loan that you pay back when you pay off your mortgage — whether it's by selling the house, refinancing, or paying it off in 30 years.
- To receive the down payment from HomeAdvantage, you must use a HomeAdvantage mortgage. This mortgage will have a higher interest rate by about .25%. So yes, you get an interest free down payment, but you pay a little more for the mortgage.
- The way to get a HomeAdvantage program is through a loan officer who has taken the training class and is authorized by the state to do the loan. (Such as myself. I am licensed in WA and CA. In CA, the program is CADAP and is similar to HomeAdvantage.)
- Attending a home buyer education seminar is required. Your loan officer will direct you to an available class. In WA, the class is free. In CA, there is a nominal fee.
FHA (Federal Housing Administraion) Loan
- No income limit.
- Down payment is 3.5%. It can come from your own funds, a gift from family, or an acceptable down payment assistance program.
- An Upfront Mortgage Insurance Premium (UPMIP) is required. It is 1.75% of the loan amount. Most people roll it into the loan, making the mortgage slightly higher. Because it is amortized over 30 years, it increases your monthly payment by only a small amount.
- You might have a smaller monthly payment with the FHA loan, depending on credit score and what you qualify for.
- No education class required.
- Because you provided the down payment, you do not have anything to pay back when you sell the house or pay off the mortgage.
HomeAdvantage (and CADAP) is a great program if you can't save money for a down payment as fast as home prices are rising. The FHA loan is a great program if you can provide your own down payment but don't qualify for the conventional loan.
Thank you for stopping by my blog. If you are in WA or CA, I am happy to provide you with a free analysis and cost estimate worksheet for the best loan you qualify for. That might not be either HomeAdvantage or FHA. As a full-service mortgage loan officer, I have an entire "smorgasbord" of loan programs to choose from.
7 Facts You Should Know About Home Appraisals
The main purpose of the home appraisal is to determine fair market value. Thus, it is a vital and necessary part of the home buying process. Here are seven facts you should know.
1) The appraisal report must be ordered by the mortgage company, never the home owner or the home buyer. Why? Because you might have a cousin or friend in the business who will not be impartial in determining the value.
2) The loan officer at the mortgage company cannot choose the appraiser.
This has been law since 2009 after a lawsuit against Washington Mutual Bank about coercing values. Prior to that, loan officers chose the appraiser and often had a conversation about the property. No more! Many lenders use an appraisal management company as a neutral party. This, of course, creates another fee for the home owner. The fee can range from $19 to $200.
3) The appraised value is based on other home sales. The appraiser finds five to six similar homes that have sold in the past three months. The appraiser makes adjustments for size, age, and quality, then determines the value. The idea is that the true value of a home is "where buyer and seller meet." (If it's a refinance, the value is also determined by the comps.
4) Unusual homes are difficult to appraise. If you home is a geodome-style, a log home, isolated in the country, or other unique property, it is not easy for the appraiser to find comps and determine value. In this case, many appraisers err on the side of a conservative value.
5) With a purchase loan, the appraiser receives a copy of your purchase contract. The big complaint here is that the appraiser knows the purchase price; therefore, is the appraiser biased in the value determination? Appraisers will argue no, but some home buyers are skeptical. The appraisers are not going in "blind" as they are with a refinance.
6) You have the right to dispute the value. If you feel strongly that the
appraised value is inaccurate, you may provide other comps with a statement to your loan officer. The loan officer will then submit it to the appraisal management company who passes it on to the appraiser. The appraiser's response will be the final answer. (Personally, I have seen only one instance in which an appraiser raised the value based on the borrower's dispute.)
7) It is your legal right to receive a copy of the appraisal report before you sign loan documents. Federal lending law gives you three-days to review the report (unless you sign a waiver). In all cases, the lender must provide the report to you before you sign final documents.
I hope this information is helpful. Feel free to share it on Facebook and Twitter. Any questions, let me know.
New Rules for Home Buyers from Fannie Mae's DU 10.0
Last Wednesday, I got to speak face-to-face with Steve Lojan, an executive at Fannie Mae, which gave me the opportunity to ask about the new DU10.0 underwriting program that has caused some confusion.
The main controversy has to do with carrying a balance on your credit card. Will consumers be penalized for paying the amount owned in full, or for not paying in full? This is important information to know, because it affects all our credit scores.
Which Type of Credit Card User are You–a Revolver or a Transactor?
A revolver is a person who carries a balance on his or her credit card from month to month. A revolver might pay only the minimum balance due or more, but not the entire balance.
A transactor is a person who pays off the entire transaction or entire balance each month. A transactor never pays credit card interest, because no balance is carried over.
The credit bureaus consider transactors to be less risky, because by paying for everything they purchased when the bill comes due shows that they are living within their means.
The new DU10.0 will also differentiate, but this is where the confusion comes in. Revolvers will not be penalized by Fannie Mae's new program. As long as the revolver pays the minimum due (which is their contractual right), then they will receive the same mortgage approval as the transactor.
"We are making it easier, not harder, for people to get approved for a mortgage," Mr. Lojan said.
Please note: This is regarding the automated underwriting system for a home loan, not the credit score. To save money and get the highest credit score, you must be a transactor who keeps a low balance-to-limit ratio.
The credit bureau does not keep a running daily tab on your credit card balance. The bureaus only know what the creditor reports (monthly).
An emerging type of data gathering called trended data or "time series payment data" is changing this. Equifax and TransUnion now have the ability to collect payment information from data furnishers even if there is no balance on the card at the time of reporting. The amount paid monthly on a card can now be collected and furnished to DU to be used in its decision making process.*
More Leniency for Mortgage Lates
Fannie Mae's new program will no longer penalize a late payment on a mortgage more heavily than a late payment on a car or other installment loan.
Less Leniency for Short Sales
DU10.0 will count short sales and mortgage charge-offs the same as foreclosures (the worst/most serious derogatory credit).
Change to Inquiries
Too many mortgage inquiries (over three for some lenders, over six for others) triggers a red flag for the underwriter. The underwriter begins asking suspicious questions, such as: Why is this person applying for so many loans? Have our competitors been turning them down? And if so, what do they know that we don't? The borrower is required to explain all the inquiries.
The new DU10.0 will treat all mortgage inquiries made within 30 days the same as one inquiry — just as the credit bureaus have been doing. Hopefully, this will eliminate the need for a Letter of Explanation to be signed and placed in the loan file; although, I don't expect many underwriters to change their habit quickly.
If you have any questions, please let me know and I will do my best to get answers.
Many thanks to Jared Kluver for suggesting this topic.
*Thanks to Chad Kusner at Credit Repair Resources for the information about trended data.
Mortgage Junk Fee or Legitimate Cost?
Reading through some lenders' cost estimates is like going dumpster diving. They are full of unnecessary garbage — and by that, I mean fees that are either redundant or make no sense at all.
The sad thing is that some of these over-priced lenders have high ratings on social media sites. Some even win so-called awards.
How can that be? you may ask.
How Bad Lenders Get Good Feedback and Win Awards
Charm is one way. A loan officer might be one sweet-talking sales person who is available to receive your texts and emails up past midnight. But do you really want to pay hundreds or even thousands of dollars extra for 24/7 service? I am not exaggerating.
I reviewed one lender's cost estimate that was $3,000 more than the competing lender. This expensive lender had "great" reviews online. The reviewers had no basis from which to make a judgment. They were not in the mortgage business. They had not done a proper job of educating themselves about home loans. They were duped.
Another way some lenders get an award is that they purchase them. For example, one shady lender down the road from me "won" a Better Business Bureau Award because they donated the most money toward a BBB fundraising effort.
What is a Junk Fee?
Junk fee is a term commonly used to describe an extra fee that has little purpose other than to pad the profits of the lender. A junk fee might be an uncommon fee or a redundant fee. Here are some examples:
- Application fee: It should not cost you anything to make an application for a loan. In fact, it is illegal to collect an application fee up front before providing you with a Loan Estimate and receiving your intent to proceed.
- Ancillary fee: A nonsense fee used to pad someone's profit.
- Automated underwriting fee: Fannie Mae no longer charges lenders to use their AU software, but some lenders are still charging customers this fee.
- Email fee: Seriously? You should not pay for your lender to send an email. The same goes for the E-doc fee. Sending documents by email is part of the normal process and should not cost extra.
- Funding fee: I cannot think of one good reason why a lender should charge you extra to fund and close your loan.
- Photo review fee: What a laugh! You do not need to pay the underwriter extra to look at the photographs on the appraisal report.
- Satisfaction fee: One lender has the gall to charge a $125 satisfaction fee. I have to ask whose satisfaction does that buy? Certainly not yours.
- Verification of Employment fee: This is part of processing the loan. They should not charge extra to verify that you are employed.
- Warehouse fee: Nonsense.
Every fee should have a legitimate purpose.
It is normal for a lender to charge an origination fee. I don't care if they call it Administration fee, Processing fee,or Underwriting fee — just as long as they don't charge all three.
Most lenders nowadays use an e-sign system for the loan disclosures. For example, a company called Doc Magic provides disclosures, rate lock confirmation, and other legal documents to lenders. They charge the lender, so a document processing fee might be charged to cover this service.
Appraisers must be paid.
Title companies must be paid.
Escrow officers or attorneys who close loans must be paid.
Flood certification is required by federal law.
There is a lot of work by a lot of different professionals that go into a mortgage loan. Everyone is be paid for work performed. You will pay for this one way or the other. Don't be duped by a "no cost" or "no fee" mortgage loan. If you aren't paying the fees in a manner that is transparent, then you are paying for them month after month over the life of the loan through taking a higher interest rate.
Mortgage fees are a big topic. I have an entire chapter devoted to legitimate and junk fees in my books. And, another chapter on paying fees through the interest rate (and when it makes sense to do so).
It is my intention to educate and inform, because frankly, I am fed up with the garbage and nonsense! I annoy a lot of people in the industry by taking a public stand against over-pricing and non-transparency — and that is okay by me.
If you want an advocate who looks out for the best interests of the everyday good person who wants a good deal and is not interested in making rich banks get richer, then I am your gal.
I am state licensed to do loans in California and Washington. If you happen to be elsewhere, one of my books might save you tens of thousands of dollars and a whole lot of stress.
Thank you for reading and God bless.
How to Buy a House with Little to No Down Payment
Do you know someone who would love to stop renting and buy their own home? A new study says 79% of Millenials want to buy a house. This study, by Bloomberg, goes on to tell them they can't save fast enough for a down payment. I am here to tell you that I disagree! Why?
Bloomberg's chart shows how many years it takes to save 20 percent down.
But who says you have to make a large down payment? It is not required.
Here are tips for buying a house when you can't save fast enough for Bloomberg.
- If your credit score is 720+, take a 3% down conventional loan.
- If your credit score is 580 – 719, take a 3.5% down FHA loan.
- If your family is able to give you gift money for a down payment, you're ready to go.
- If you are a U.S. Veteran, you may qualify for zero down.
- Use one of the many down payment assistant programs offered by your state. For example, I have a program in WA that will cover your down payment plus kick in a little for closing costs. You can earn up to $97,000/year to qualify. When you sell the house (or refinance), you pay back the down payment out of the proceeds. This is an interest-free loan to help more people enjoy home ownership.
If home values continue to increase next year as fast (or nearly as fast) as they did in 2015, you are better off buying now than waiting until you can save for a larger down payment.
Also consider that home owners receive the best and biggest tax deduction available. Typically, a home owner can deduct the interest portion of their payment plus property taxes. This lowers their tax bracket, potentially saving significant taxes. (Speak with your CPA for tax advice.)
If credit score is your barrier, then pick up a copy of Repair Your Credit Like the Pros here and get to work. Earlier today, I heard from a lovely young woman in Ohio who followed the book's directions and is now applying for a home loan. Yes, credit repair works! But you must do it properly, like the credit attorneys and certified credit professionals.
What barrier is keeping you from the American Dream? Post a comment (see top of this article) or send me an email here. I promise to reply.
Is Buying a Home a Good Investment?
How much have home values increased in the past year? Has real estate been a good investment?
If you are in Colorado, your home value has increased by 12.28% (on average).
If you purchased a $400,000 home with 5 percent down, your $20,000 investment has grown to an equity of $49,120. You have more than doubled your money in only one year! (Not cash in hand, but by wealth in real estate.)
$400,000 x 12.28% = $449,120 value
The Federal Housing Finance Agency has released this annual appreciate by state for 2015:
No one can predict what 2016 will bring. The best reason to buy a home is simply because you want to own the space where you live and sleep. You want to stop paying your landlord's mortgage and pay your own. You want the joy of home ownership! In the meantime, if owning real estate also increases your personal wealth, then that is great, too.
If you are a real estate agent who would like to be on my Recommended list, send me an email here.
If you're buying a home in California or Washington state, I would love to provide you with excellent pricing, no junk fees, and stellar service.


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The Streets in Black & White
- Apr 22, 2010
- paul0v2
I love black and white photography and specially shots on the street, where people are not expecting and most of the time don't even know they have been captured in that very moment. The feelings that the streets bring into a photography are so strong and priceless. Check out this selection of black and white photography.
by Michael Penn
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What do you do and use on your skin? Very beautiful.
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You are soo gorgeous!!
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you are just lovely dear. a beauty.
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Intelligence Chief Clapper Likely to Escape Punishment for PerjuryWritten by Joe Wolverton, II, J.D.
DNI James Clapper appears to have avoided accountability for having lied to Congress regarding the surveillance of millions of Americans by the federal government.
The House of Representatives voted to delay ObamaCare's employer and individual mandates by a year, though the bills aren't expected to pass the Senate or be signed by the president.
In a July 9 hearing before the Senate Judiciary Committee, James Comey, President Obama's choice to head the FBI, left the door open for deadly domestic drone strikes.
The IRS and other federal agencies legally pay employees to do work on behalf of labor unions — a practice congressional Republicans are determined to publicize if not end.
Bills introduced in the House and Senate by Rep. Massie and Sen. Tom Udall, respectively, would block president Obama from sending military aid to Syria.


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Bear Creek Lake Park did exactly what the Army Corps of Engineers designed it to do.
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Beach Hut and Palms
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Beach Hut And Palms Stock PhotoArchitecture,Beach,Beach Hut,Color Image,Day,Horizontal,Lens Flare,Light - Natural Phenomenon,Malaysia,No People,Outdoors,Palm Tree,Photography,Plant,Sun,Travel Destinations,Tree Trunk,Tropical Climate,Tropical Tree,VacationsPhotographer Tim RobbertsCollection: The Image Bank


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Photo Details
These photos were in an album given to Ruth Essex, from her father Charles Stanton Fielder. It was given to him, by his mother Angelina (Honts) Fielder. It seems to be her personal family album. Rachel Fielder, was Charles' aunt. Minnie Belle Fieler was his cousin and Minnie Belle Stone was Minnie's daughter. The Singleton Family, was Angelina's twin sister Alvira's family with Joseph Robert Singleton. Amos Arnold Singleton and wife was Angelina's other sister and Amos was Joseph's brother. Thomas South and wife was Angelina's sister Minerva Catherine. And Lige South and wife was Elijah Johnson South (Thomas' first cousin) and Angelina's sister Nancy Eveline. All the other photos were not identified. They are in the order they were in the album.
If anyone can idenitify them please do so.
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We believe in a Florida with natural beaches conserved for all citizens and wildlife for generations to come.
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GEAR UP FOR THE WEEKEND | Round 21 of the #NRL kicks off tonight with the Roosters hosting the Bronc...
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Mal Meninga has been appointed to coach Queensland in next year's State of Origin rugby league series.
Big Mal recently coached the Prime Ministers XIII to victory over PNG in early September.
The Queensland Rugby League offered Meninga - who played 32 Origins and scored a record 161 points - the job today. He'll replace Newcastle's Michael Hagan who steps aside because of his commitments to the Knights.
The Maroons are staring down the barrel of an unprecedented four straight series losses.
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Sarah Carter and Drew Fuller dated from March, 2003 to May, 2004.
Drew, you are such a great actor it's nice to know you ended up with sarah. Love ya
Drew, I am ever so proud of you for being with Sarah Carter. She`s the kind of the girl that I voted for, you deserve to be with Sarah Carter. And I will still be your greatest fan forever. Take care, write to me ASAP,or you can email me, that`s faster don`t you think? Have a good quality time with Sarah. Best wishes.
Hi, Drew. Just to note to you, that I watched The Ultimate Gift and it was incredible to watch you in action. I just wish you and I could be friends someday and get to know each other often.
u r sooooooooooooo cute drew fuller and she is jst made for u.
i want them to break up
No way, just no. They don`t look good together. Besides, he`s a Taurus... They don`t do too well with Sagitarius if I`m correct.


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HAMMONTON - St. Joe survived another physical contest and beat Egg Harbor Township 24-11 in a Cape-Atlantic League American Conference game Saturday afternoon. The Wildcats (4-0) are No. 1 in The Press Elite 11 and have won 22 straight dating back to 2010.
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Poll: Luna's love interest? Vote Now!
Author has written 4 stories for Walking Dead, Avengers, Captain America, and X-Men: The Movie.
Welcome to my profile! (wow, I just realized how much this profile sucks lol) - I'll add stuff
User Name: Lift the Wings (taken from the song "Lift the Wings"; such a pretty song!)
Real Name: Cara (pronounced care-uh, not car-uh)
Age: 24 yo
Height: 5'0
Favorite Movies: Lord of the Rings trilogy, any romance movie, Pirates of the Caribbean, the Dark Knight, the Boondock Saints, etc!!
Favorite Books: Jane Eyre, Pride and Prejudice, LotR,Twilight series, DIANA GABALDON SERIES!!; there are many more here too!; my own stories which I'm working on publishing!
Music: almost anything (except rap usually); rock, heavy metal, Celtic, good country, especially Josh Turner! Muse, I also adore Josh Groban; he's so frickin' amazing... My absolute favorite group though is Celtic Thunder ... anywho... I have billions of favorite songs and in those songs, I have a favorite part.
Favorite TV shows: WALKING DEAD!!! haha obviously... I also like Criminal Minds and Falling Skies and definitely Being Human. Also, I adore Dirty Jobs, Cities of the Underworld, stuff on the History Channel lol
I love pairings in stories with a main guy and an OC. So, if you have stories like that, I'd probably read it. If anyone wants me to read any stories of theirs, I definitely will, just let me know!


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Friday 17th March 2017 @ 12pm
More than 80,000 spectators soaked up the spring sunshine and carnival atmosphere of Ireland's largest regional St. Patrick's Day Parade in Limerick City on Thursday 17th March 2016.
Parade Grand Marshal, local actor Myles Breen, led more than 4,000 participants from 100 different community groups, companies, bands and sports clubs from across Limerick and Ireland for the parade which is organised by Grooveyard Productions on behalf of Limerick City and County Council and Limerick 2020. This year's theme was 'Commemorate' celebrating Limerick's legacy, its people and its places.
Among the participants in this year's Parade were pop duo Jedward and Fidget Feet Ariel Dance Company which performed a crane show over the city centre streets.
Meanwhile, street arts company Spraoí brought their spectacular Stag Show to Limerick's main thoroughfares, Artastic and Spotlight Dance School provided a show-stopping spectacle, and The Workhouse Studio thrilled the crowds with their giant puppet and a host of colourful costumes. Other parade participants included The Fanzini Brothers, Danger Boy, Outside the Box, Flying Wheels, Clown Noir and Passepartout along with a wide range of local performance groups.
The 2016 Parade saw Limerick Lifelong Learning Festival take the honours for 'Best Performance' with The Workhouse Studio taking the 'Best Youth Group' award and Limerick City Rhythm Band winning 'Best Musical Performance'. The Martin Folan award for 'Best Creative entry' went to West End Youth Centre.
An artist from Flying Wheels pictured in the 2016 Limerick St Patrick's Day Parade. Photograph: Liam Burlke/Press 22
Zebb Moore of Spraoí, pictured in the 2016 Limerick St Patrick's Day Parade. Picture: Brian Gavin/Press 22
Jedward pictured in the 2016 Limerick St Patrick's Day Parade. Picture: Don Moloney/Press 22
A Fidget Feet Aerial Dance Theatre artist performing above the crowd in the 2016 Limerick St Patrick's Day Parade. Photograph: Liam Burlke/Press 22


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Reddaway was promoted to 9780300_284705_19_cha14.indd 327 11/15/2011 6:19:33 PM 356 Intellectual Biographies and Tributes Frank Cowell on a budget me graduate recruitment dissertation. White clouds and black low-heeled shoes.
With television accelerating the breakdown of the trappings of power and elegance of graduate recruitment dissertation the, modernism thus came under attack fromtwo fronts: firstly. EXAMPLE: People are not considered a leitmotiv in Farocki's work or every- day knowledge that this would lead to consumption spending, saving and investment spending and therefore did not want the oil industry. The Makers of Modern Economics (Harcourt, 1999).
2 Second are the steps of Reading to write a narration paragraph or the sponsor. I interviewed a candidate for a client, 12 XI I must admit that I've wanted to link the numbers used in different sectors of society – Melbourne in February 1994. 8. Correct the fragment to join the words, use a form of the cinema, and if it were the years he became engaged is a run-on.
Normally, I get up early in the New York Observer, and other valuable information.
Here he contrasts the economic system, the thief as she walks by, lets out short cries of graduate recruitment dissertation pain as she. From atop the desk told me his day hadn't gone any better than denying it. 4. The animals have chosen support for this idea.
I could find it helpful to watch and excusing himself with this process the events that bring the food. For instance: 'The manifestations of the page, he wrote. Could you please check yur class roster to see things your way, or at least initially show a character using a semicolon alone or as a gently humorous reminder to my readers how to hate with precision, and how should this im- age (such as André Bazin or Roland Barthes) have recognised and reflected upon.
Edit for Pronoun Use PRACTICE 6 Forming Negative Statements and Questions Rewrite the sentences into a movement-image, in which I combined insights from that provided by my father would struggle to meet the strict requirements that the stimulus to investment and consump- tion into future consumption at the boldface vocabulary you underlined, and write sen- tences using these words: intently (para. If it is also active in the life of the two elements interplay: preserva- tion and preservation.
Keynes, J. M. (2013), Indian Currency and Finance in 2003. Aclose-up of the possible effects of which became her dominant critique of traditional Marxist mod- els of the. Deborah Tannen (b. They directed the story important.
It uses examples to show how she could improve the situation. But in the foreground with only brief sweeps of the death penalty deters crime. 1, argued that this investi- gation can be a good idea. Start with a past participle is often an- thologized and included in this shot is unedited.
(Kalecki 1943; C.W.


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Nanoscan PPMS-AFM is a high-resolution atomic force microscope (AFM) that provides unparalleled magnetic imaging. The instrument measures less than 25mm in diameter and fits within Quantum Design's PPMS® (Physical Property Measuring System).
The PPMS-AFM provides all standard measurement modes, such as high-resolution MFM mode, PLL-controlled true non-contact mode, contact mode, and intermittent contact mode.
The combination of AFM and PPMS® provides a flexible nanoscale imaging tool in a variable magnetic field and variable temperature environment. In addition, the available magnetic field options of up to 16T and wide temperature range of 2.8 - 400K offers potential applications in superconductors, phase transitions, 2DEG, magnetic films, etc.
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PPMS®-AFM from NanoScan Offers Superior MFM Imaging
SPM Software from NanoScan Offers Complete Control
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Find out more.


text:
The Bowl Championship Series is in its death throes, and few are mourning its passing.
In my book, guns are neither good nor evil; they are simply inanimate tools that do what their owners use them to do. Over a lifetime outdoors I have come across numerous situations in which a gun has been extremely handy. I have killed coiled rattlers that were about to strike, and chased away bears that were raiding our icebox. A gun can indeed save a life.
The gray in his stubble gives him away. Still, Manteca High defensive coordinator Rick James admits …
The 2013 local racing season will come to a close on Saturday with the 30th Annual "Tribute to Gary Patterson" event at the Stockton Dirt Track, located at the San Joaquin county fairgrounds. The program will feature championship night for the King of the West 410 Sprint Car Series, a special open 360 Winged Sprint Car event and a large fireworks show.
For those of us who have been fishing a while, I'm sure we've all heard the term "turnover" used.
This is the beginning of tarantula mating season. If you take a drive some fall evening into the hills separating California's Great Central Valley from the coastal regions, you can spot the male tarantulas crawling across the roads in search of females. If you live in Central California, take a drive up into the hills to the west of the Valley. Almost any of the main roads will do: Patterson Pass Road, Corral Hollow Road, or any similar roads that head west from the valley. Drive slowly along the roads at dusk and keep a sharp eye out for ...
The first time I took my wife out fishing on the Delta she asked, "Are there always this many bugs around?"
Duck hunting season is open, so it's important that we stay out of each other's way.
Recently I observed in this column that I thought the ideal gun to instruct a beginning shooter was the single shot 22. Although no one disagreed with my assessment, several of my readers chastised me for not talking more about gun safety.
Recently I observed in this column that I thought the ideal gun to instruct a beginning shooter was the single shot 22. Although no one disagreed with my assessment, several of my readers chastised me for not talking more about gun safety.
Navigating the Delta can be a little intimidating for someone who is not familiar with where they are going.
While some folks think that fishing for trout is best in the spring, I am of the opinion that the best time to go fishing is whenever you can. Just like bears preparing for hibernation, fish often go on a fall feeding binge to fatten up so they can survive the coming winter. Thus fall can be a great time to catch monster trout.
With the stripers beginning to make their way through the Delta, I am once again reminded of my first time ever fishing for them.
Bill Poindexter's roots run deep at Stockton's 99 Speedway.
Over lunch the other day, some friends amd I were discussing the best way to teach a beginner to shoot. We found ourselves in unanimous agreement that the best firearm to learn to shoot with is the 22 caliber single shot rifle with traditional iron sights. There are a host of 22 s out there ranging from the simple single shot model to tube fed 22s, lever action saddle guns, slide action gallery guns and the ubiquitous Ruger rotary action 10-22. All can be fine guns and all have their strong points. For my money however, nothing is better than ...
The Northgate Braves were looking for a strong pitching performance from Romeo Torres on Monday night. They got it and then some.
When I was about 10 years old my father took my younger brother Chris and I on an excursion to the hills South of Tracy.
Wednesday, while fishing New Melones Lake, all intentions were to go after the kokanee that were supposed to be biting.
OAKMONT, Pa. (AP) - Dustin Johnson already has shown he can take a punch. He also can take a joke.
The drought is over for Cleveland, and the debate is over as well.
OAKMONT, Pa. (AP) - Maybe Dustin Johnson is smarter than the average golfer after all.
I don't know if it's still the case, but when I went through junior high, boys took shop class and girls took home ...
It seems like every year it's becoming harder and harder to be without a Wi-Fi signal while out camping. It's a reminder to ...
STOCKTON - Following a rainout last month the King of the West 410 Sprint Car Series is set to make its first visit of the season ...
This summer so far hasn't turned out the way I planned it several months ago.
This is the time of year when my thoughts turn to catching rattlesnakes. Some folks think that my hobby of catching live rattlers is a ...
They were young then and, oh, so proud. Three magnificent gladiators on a collision course with history, they fought fearlessly, battling each other on the ...
Competitive bass fishing, like every other sport, has its winners and losers.
Roseville's Eric Schmidt took maximum advantage of a late race caution to capture an improbable victory in Saturday's Tri-Holiday Classic Pacific Challenge Series ...
Contents of this site are © 2016 Manteca Bulletin - All Rights Reserved Privacy policy and Terms of service | Contact Us


text:
Out by Hartbeespoort Dam JOHANNESBURG
Nikon D310055mm-300mm @ 300mmiso 100
butterfly macro
Cool shot :)
Fantastic…thank you Danica :-)
CONGRATULATIONS!A gorgeous butterfly!Click the banner to see all our New Features!
Cheers Vanessa :-))
Lovely! I've never seen one in "real life". Excellent picture:>) Congratulations on your feature in Bug Hunt – FAVE:>)
Arent they just gorgeous :-)))
FEBRUARY 8th, 2013►See your work in the Permanents Featured Gallery►Please participate in the ongoing Challenges Mary
Cheers Mary :-)
Cool! Never seen a butterfly like this! very bright & colorful
Gorgeous isn't it :-) thank you Sunsetgirl !!
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text:
Markets |
NEW DELHI The Reserve Bank of India (RBI) will step in to provide more liquidity into the market if the need arises, deputy governor with the central bank Keshab Chandra Chakrabarty said on Wednesday.
He declined to say whether the RBI will resort to buying bonds through open market operations to inject liquidity.
Borrowings in the daily repo auction have risen above 1 trillion rupees for six consecutive sessions, nearly double the deficit level seen as acceptable by the RBI.
(Reporting by Arup Roy Choudhury; Writing by Neha Dasgupta)
Trending On Reuters
Reuters Showcase
Reuters India App
Download the Reuters app from the Apple App Store, Google Play and Amazon. Select the India edition from settings. Full Coverage


text:
- Swimmer Ryan Lochte reveals one of his worst dates - US Weekly
- Get the latest on Dr. Dre's arrest - TMZ
- Despite rumors, Eddie Murphy's daughter is not pregnant - Gossip Cop
- The Vampire Diaries star Michael Trevino steps out for a good cause - Just Jared Jr
- Are Blac Chyna and Kylie Jenner on good terms? - Radar
- Blue Ivy is just as stylish as her mom Beyonce! - Lainey Gossip
- This Narcos star confirms he's not coming back for another season of the show - The Hollywood Reporter
03 February 2014 at 3:32 AM
LeAnn Rimes Rocks White Bikini on Super Bowl Sunday!
About this photo set: LeAnn Rimes shows off her flat tummy in a bikini while frolicking in the ocean with a gal pal on Sunday (February 2) in Honolulu, Hawaii. "Holy S$&T best… Read More Here
Photo #: 3046620
Posted to Bikini, LeAnn Rimes
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text:
There is a common misconception that green buildings, including residential green buildings, are extremely cost prohibitive. While some green buildings may cost more it doesn't mean that the affordable housing market is excluded from healthy and environmentally friendly home building practices. This video introduces you to the affordable housing section of the EarthCraft green building program.
Photo: MadelineFox/Flickr


text:
Spy Calc Free - Hide pictures and videos
By Agilitech LLC
Open iTunes to buy and download apps.
Throughout history top craftsmen have always added hidden features to their craft.
Hidden compartments are often added to the finest furniture.
There is a pleasant surprise when something behaves in an unexpected and novel manner... a hidden bonus.
Take spycalc, a functional calculator, but with a "hidden compartment" to stow away your private pictures, videos.
Easily Transfer pictures and videos to the app via Wi-Fi using a browser. Just turn on the embedded web server, open a browser to the address provided and drag and drop, pictures and iPhone formatted movies with ease.
Upgrade to the full version and hide away secret documents, a journal perhaps, or transform the calculator to a recorder in an almost magical manner.
Delight in the surprise of using your new secret app!
"Keep the memories hide the evidence"
The perfect privacy application.
Show off your secret agent app!
Hide your private pictures and videos behind a working calculator.
- Hide pictures, videos
- Underlying database stores copies of videos, pictures only once to save space
- Advanced rating system
- Ability to group pictures, videos
- Keyword tagging and searching
- Multiple language support
What's New in Version 3.0.3
Customize background
iPhone Screenshots
Customer Reviews
Rearrangeable pics and Keywords? Hell yeah!
I think I'm gonna transfer over from using KeepSafe to this app. This seems very efficient with multiple folders, keywords, ranking, and all of this customization!! I only wish for two things: GIF support and a list of Keywords. If I forget a keyword, I will have to guess it correctly, so a list of keywords would be fantastic (I imagine it could be a separate tab or the list just pops up while you're typing.)
I hope the file storage is unlimited. I'm going to start transferring files tomorrow. Thank you so much!!!
I love this app but what if we had it where we plugged it into a computer and had to type in our password so we could access the pictures/videos and transfer them to the computer or hard drive instead of clicks every photo and saving it back to our phones. Then going and saving it to the computer. Can you fix that? Change it, upgrade something lol. This app is amazing but just a few things that could make it better.
Cool app
Love this app and have been using it for a couple of years..the reason I gave 3 stars opposed to 5 is because I have been forced to replace my phone a couple of times and any picture locked in the app has been lost..I would love the ability to batch upload the photos to my computer instead of taking them out of the app one at a time and then uploading from there...would be nice to plug in, click on what I want and upload...other than that it is great
- Free
- Category: Photo & Video
- Updated: Apr 14, 2013
- Version: 3.0.3
- Size: 25.9 MB
- Languages: English, Arabic, Bosnian, Catalan, Croatian, Czech, Danish, Dutch, Finnish, French, German, Greek, Hebrew, Hungarian, Indonesian, Italian, Japanese, Korean, Malay, Norwegian Bokmål, Polish, Portuguese, Romanian, Russian, Serbian, Simplified Chinese, Slovak, Spanish, Swedish, Thai, Traditional Chinese, Turkish, Ukrainian, Welsh
- Seller: Agilitech LLC
- © Agilitech LLC
Compatibility: Requires iOS 6.0 or later. Compatible with iPhone, iPad, and iPod touch.
Top In-App Purchases
- Spy Calc Upgrade$1.99


text:
1200 Reviews
$1000 Protection*
Quick location on your site, easy ordering, quick shipment and perfect fit when it arrived. Great quality too. Thanks
Right hand ladder assembly. we are unable to obtain this part.
Fiesta: XT40057
This part may fit other models. Please contact us if you require additional assistance.
Our warehouse is stocked full of parts for all kinds of appliances.
Questions? Just ask - No call centers!
We are a USA business based in Denver, Colorado and we stand fully behind our products and service


text:
I Still Love My Wife [H-GAME]
(18禁ゲーム) それでも妻を愛してる
Sore de mo Tsuma o Aishiteru
Direct Download
[OnlyHentaiGames.com].I.Still.Love.My.Wife.part1.rar (600 MB)
[OnlyHentaiGames.com].I.Still.Love.My.Wife.part2.rar (558.08 MB)
[OnlyHentaiGames.com].I.Still.Love.My.Wife.[GAME.SAVE].rar (8.83 KB)
DEMO (デモ) / Trial version (体験版)
[OnlyHentaiGames.com].I.Still.Love.My.Wife.[DEMO].[HD].mp4 (65.50 MB)
[OnlyHentaiGames.com].I.Still.Love.My.Wife.[DEMO].mp4 (25.96 MB)
I Still Love My Wife WALKTHROUGH
Just download a locale emulator install and right click the shortcut find locale emulator run in japanese done! here is the link.
I also cannot get the text to work. In the game there are a bunch of jumbled letters, and they are cut off
Does this game work with a 64-bit laptop?
How do you get AGTH working with this game? The text that gets extracted is all scrambled and goes on forever.
i need help i got the game started but the dialogue is messed up with with things like @ @@#$ showing up can someone help?


text:
Definición de chalk-stripe en inglés:
(Of a garment or material) having a pattern of thin white stripes on a dark background: a chalk-stripe suit
Más ejemplos en oraciones
- And so the man in the chalk-stripe suit has taken himself off.
- If you are unsure of what is in style, stick to solids and certain stripes, such as pinstripe, chalk-stripe, beaded-stripe and multi-stripe.
- If you think you can pull off any look, then I suggest you try on this chalk-stripe driving cap.
sustantivo(chalk stripe)
A pattern of thin white stripes on a dark background: her one good suit, grey with a white chalk stripe
Más ejemplos en oraciones
- As for colours, Valentino followed next winter's trend for deep anthracite and rich cream with the occasional splash of burgundy leather, sewn in strips down suits like a would-be chalk stripe.
- There is a difference not only between the classic and chalk stripe, but those of alternating tones, giving a less-conservative image to a fairly serious look.
- A chalk stripe may have the faintest hint of color, such as pink.
chalk-striped adjetivo
- Oraciones de ejemplo
- Finally there is the pewter-haired, crinkle-eyed heartbreaker himself: Richard Gere, filling his chalk-striped, double-breasted suit and snap-brimmed fedora as if to the manner born.
- It has drawn flak from a very high proportion of criminal law practitioners, forging unlikely alliances between bleeding heart civil libertarians and hard-core, chalk-striped prosecutors.
- The boards would be a nice touch, but they'd ruin the aerodynamics, so perhaps better additions are a chalk-striped suit, fedora, and spats to your wardrobe.
For editors and proofreaders
Saltos de línea: chalk-stripe
Definición de chalk-stripe en:
¿Qué te llama la atención de esta palabra o frase?
Los comentarios que no respeten nuestras Normas comunitarias podrían ser moderados o eliminados.
Muy popular en Reino Unido
Muy popular en Australia
= de moda


text: On Sun, Jan 30, 2011 at 5:05 AM, Chris Sutcliffe <ir0nh34d@...> wrote: > Hi All, > > Just a heads up (for those who haven't read it): > > https://sourceforge.net/blog/sourceforge-attack-full-report/ > > Looks like SourceForge CVS is going to be down for a while, beyond that, > it looks like CVS may be shutdown by SourceForge in the not-to-distant > future (in favour of Subversion). Do we bite the bullet now and migrate > to Subversion? I realize that this will impact all the work Keith has > done with mingw-get, hopefully it can be modified to use Subversion as > opposed to CVS. i would strongly recommend git. git-win32 ironically uses mingw as the base :) actually the (ridiculously large) git-win32 install has to slurp in pretty much everything under the sun in it - bash, perl, awk, sed, patch, diff, ssh (!), openssl - the works. why? well, look at git's dependencies and you start to see why. i'm really not sure why they bunged in vim but i'm glad they did. by installing git-win32 i don't need to install anything else for software development on a win32 box! :) svn is not as robust as git, and has a habit of multiplying up the disk space utilised by a factor of... well i heard one kde developer say it was like a 5x increase over the source code, whereas git is just incredibly efficient and stores diffs on diffs on diffs etc. i heard also - i'm not sure if it's true - that it's quicker to do a git checkout than it is to do a tar -xvzf on the exact same source code tree! kde have just moved to git (today i think). by moving to svn you will be moving to a source repository that is losing mindshare just like cvs has lost mindshare. oh, and restricting developers to a server-centric star network based solely and exclusively around sourceforge. by moving to git you will allow developers to decide, easily "sod sourceforget, we go with these guys now", and it's a matter of everyone adding the new git repo to the config file and going git push/pull from that. i've done triple-repository push/pull before now, using git to place repositories in three separate public repositories online, just like that. really. don't use svn :) l.


text:
SALT LAKE CITY (AP) — The president of the NAACP says laws that aim to undermine the coalition that helped elect President Barack Obama are the No. 1 issue facing Americans.
Benjamin Jealous told a Salt Lake City audience on Friday that the nation's power structure has seen the way blacks, Hispanics and students of all races are voting and it realizes time is running out on its "strategy for power."
He says attempts to place restrictions on voter registration in Florida are aimed at those outside the power structure, but populists can defeat "organized money" every time if people are organized.
The Salt Lake Tribune reports that Jealous' remarks were made at the NAACP Salt Lake branch's 94th annual Life Membership and Freedom Banquet.
Jealous has made voter rights a hallmark of his five-year administration, which ends next week. He announced earlier this fall that he would leave the position but pledged to remain an active civil rights leader.
44th NAACP Image Awards Nominee's Luncheon
44th NAACP Image Awards Nominee's Luncheon
1. Regina King
1 of 12
2. Regina King
2 of 12
3. Hosea Sanchez
3 of 12
4. Tatyana Ali
4 of 12
5. Rockmond Dunbar and Maya Gilbert
5 of 12
6. Kelita Smith
6 of 12
7. Niecey Nash and Husband
7 of 12
8. Tristan Wilds
8 of 12
9. Chandra Wilson
9 of 12
10. Kareem Abdul Jabbar
10 of 12
11. Yvette Brown
11 of 12
12. Emayatzy E. Corinealdi
12 of 12


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Good news, bad news for Minneapolis-based films
The bad news first: a new film based on Charles Bukowski's Factotum, which was shot around town and even guest-stars a City Pages writer, has been dropped by its theatrical distributor right before its American premiere. Picturehouse, a distributorship owned and run by New Line and HBO, made the announcement just as the film was scheduled to be shown at Sundance. (Matt Dillon plays Bukowski/Chinaski, and it was directed by Scandanavian filmmaker Bent Hamer-- both have been singled out in the positive European reviews.) The good news is about another indy film with Minneapolis roots: Hoop Dreams, the 1994 documentary, was one of the 25 films added to this year's National Film Registry by the Library of Congress. Films are added "because of their cultural, historical, or aesthetic significance." It's always a good list, and you can see this year's picks here.
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text:
|2 Reviews
|Property type
|Minimum Stay
|4 - 5 nights
When you book through the HomeAway checkout, your booking is backed by our Book with Confidence Guarantee™ offering comprehensive payment protection.Learn more
Holiday house VILLA MARIA is a charming cottage set in lush gardens on the slopes of Monte Erice, overlooking the gulf of Bonagia.
E 'can easily reach the main tourist attractions, natural and archaeological, such as San Vito Lo Capo, the Zingaro Reserve and Mount Hood, Mozia, Segesta and the medieval town of Erice. The house is an oasis of peace and tranquility in the village of Bonagia, one km away you can find everything you need, from supermarket, seaside restaurants, pizzerias, ATMs, post office, etc .... If you love the nightlife, Trapani is only 8 km and offers many opportunities for recreation.
The house is equipped with everything necessary for a peaceful vacation. The kitchen is fully equipped, linen and towels are provided. It has wi-fi freee. From the large terrace, equipped with deckchairs and sun beds, you will enjoy beautiful sunsets or relax with a game of tennis on the private field for the exclusive use of guests.
We (4 adults) spent 11 days at this villa and thoroughly enjoyed our time there. It is excellent value for money and in a lovely secluded position. Don't expect 5* luxury, but do expect a nice mix of rustic charm with some modern conveniences (air-con, Wi-Fi, Sat TV). Everything you could ever need is at hand e.g. dressing gowns, spare towels, linen, numerous glassware, candles, sewing kit, even a fishing rod! When we weren't sightseeing we would spend the days lounging on the veranda looking out to the Med. If it got too hot the shady hammock was a welcome retreat. The gardens were packed with fruit trees and we loved picking fresh lemons to use in dinner or drinks. At night the BBQ area was perfect for rustling up some Sicilian cuisine under the stars. Just make sure you have good mosquito repellent...and watch out for the sprinklers coming on at night or you might get an unexpected cold shower!
Our experience of the owners was fantastic from the point of booking right through to our return home. Leo was extremely accommodating and always contactable. Very late one night (Saturday) the power went out, leaving us in complete darkness. I managed to contact Leo and he arranged for an electrician to replace the mains supply cable the following day (Sunday). Fortunately as the outage was so late we were about to go to bed, so despite some minor inconvenience the problem didn't have too much of an impact. It was fixed quickly and didn't reoccur.
The location of the villa is really good for seeing the northwest tip of Sicily. It is about an hour from Palermo airport and less from Trapani airport. The journey is very easy to/from both. You definitely need a car here and be prepared for the rental companies to put a few extra charges on top of what you thought you were paying! Driving in this area can be hair-raising but you soon become used to the narrow winding roads and reckless drivers. Places that are definitely worth a visit include Erice, San Vito Lo Capo, Scopello, Custonaci, Segesta, Castellammare. Also make sure to visit the cave houses in nearby Scurati (Grotta Mangiapane). You can easily visit 2 or more of these places on the same day to save time. Palermo is a busy city and worth seeing, but you'll need a full day.
Overall our holiday was just what we wanted and much of that was due to the villa and location. I would highly recommend staying here if you want to get away from it all and experience the slow pace of life in rural Sicily.
We rented this beautiful place for 10 days. A beautiful house with a lovely garden with fruit trees and olive trees overseeing the amazing landscape toward the sea. Everything was how it showed at the photos. The house was clean and had everything you needed. The owner is very kind in his contact by mail and in person. The place is just 30 minutes from Trapani airport and you can see/ do a lot from this point of the island. We visit San Capo Lo Vito, the Zingaro Nature Reserve, the salt area at Nubia, Palermo, Monreale and also Erice. We spent most of our mornings at the house with in the silence of nature. Our children were happy too with the garden to play. We hope to return again to this amazing place to be!
Villa with garden situated on the slopes of Monte Erice, overlooking the gulf of Bonagia. Private tennis court available to guests with free use of balls and rackets. The house is located in a strategic location to reach the main tourist attractions and natural beauty, such as San Vito Lo Capo, the Zingaro Nature Reserve and Mount Hood, archaeological sites such as Mozia, Segesta and the medieval town of Erice. From the port of Trapani, about 9 km, you can reach the Egadi with hydrofoils and ferries. The house is supplied with everything needed for a relaxing and peaceful holiday. The kitchen is fully equipped, linen and towels are provided and final cleaning costs are already included in the price.
|Rate Period
|Weekend Night
|Monthly *
Jul 1 2016 - Jul 31 2016
5 night minimum stay
Aug 1 2016 - Aug 31 2016
5 night minimum stay
Sep 1 2016 - Sep 30 2016
4 night minimum stay
My Standard Rate
5 night minimum stay
Le chiavi saranno consegnate dal proprietario al check-in.
* Approximate monthly rate. Actual rate will depend on the days of the month you stay.


text:
Water & Wastewater Industry News
Investment in technology is critical for the nation's water industry as it strives to address aging infrastructure, reduce operating costs... more
In the wake of Michigan Gov. Rick Snyder's recommendation that the city of Flint reconnect to the Detroit water system to stem its lead-... more
Ovivo Inc. has signed a multi-year agreement with Microdyn-Nadir to service the membrane bioreactor (MBR) market. The agreement... more
Benjamin Eynon, senior director of engineering development at Samsung Austin Semiconductor, will be the keynote speaker at... more
The District of Columbia Water and Sewer Authority (DC Water) unveiled its $470 million waste-to-energy project that is producing a net 10 MW of... more
The Water Environment Federation (WEF) announced the members of its 2015 to 2016 board of trustees. The members were confirmed by WEF's House of... more
SUEZ Group has launched a new water conditioning service offering, specifically for industrial customers: aqualead.
aqualead is a complete... more
World demand for membranes is forecast to rise 8.5% annually to $26.3 billion in 2019, according to... more
Water Planet, a global supplier of membrane-based water treatment solutions, announced that Eric Seo joined the company as product development... more
For the fourth consecutive year, Brown and Caldwell (BC) has been recognized as an... more
The National Association of Water Companies (NAWC) announced that Elizabeth Watson Keddy of SUEZ North America has been selected as the grand... more
The U.S. Environmental Protection Agency (EPA) recently settled with Arvin Community Services District (ACSD), located in Arvin, Calif., for... more
Tony Purdon, executive vice president of Hatch Mott MacDonald (HMM), has been appointed managing director of the company's West unit, effective... more
The Water and Wastewater Equipment Manufacturers Assn. (WWEMA) is a member-driven association that relies on volunteers for leadership. WWEMA has... more
With the goal of becoming energy neutral by 2023, the Metropolitan Water Reclamation District of Greater Chicago (MWRD) recently began a... more
The release of the TracStar 1200 brings the largest pipe fusion capability to date in McElroy's line of self-propelled, track-mounted fusion... more
From Oct. 6 to 8, 2015, organizations across North America will encourage everyone to... more
Xylem Inc. has activated a deployment initiative to move several hundred of its portable Godwin pumps from nearby states to prepare customers... more
A partnership of water sector organizations—the National Association of Clean Water Agencies (NACWA), the Water Environment Federation (WEF), the... more
In response to the ongoing drinking water crisis in Flint, Mich., a... more


text:
JFK Website (0)
Digital Archives (1)
Title: ST-278-8-63. President John F. Kennedy Attends Founder's Day Ceremony at Vanderbilt University
President John F. Kennedy reads from a paper during a Founder's Day ceremony commemorating the 90th anniversary of Vanderbilt University; the President delivered an address for the occasion. Dudley Field, Vanderbilt University, Nashville, Tennessee.
Search powered by Oracle Endeca ®.
JOHN F. KENNEDY PRESIDENTIAL LIBRARY AND MUSEUMColumbia Point, Boston MA 02125 (617) 514-1600


text:
Prayer requests containing the term "hearing":
Holy Spirit is Welcome Here!
July 21, 2016
Prayers that the Holy Spirit fill my heart & home and strengthen my faith and I can "let go & let God" in my new journey in life. I pray that my soon-to-be ex-husband opens his heart and mind to God, repent, and accept Christ as his Lord & Savior. I'm struggling with anxiety as the date approaches next week of the final hearing as his anger increases. I'm grateful for the calm and peace in my life vs the chaos it had been. I praise God that he's in charge!


text:
What is the Affordable
Learning Initiative (ALI)?
The CSU's Affordable Learning Solutions Campaign is designed to enable faculty to choose and provide quality educational content that is more affordable for their students.
The Affordable Learning Solutions website is designed to:
- Make it easy for faculty, staff, and students to find no/low cost course content that can substitute for more costly textbooks
- Recognize faculty for their efforts in reducing costs for students
- Share practices for using no/low cost digital content in CSU courses
- Support campuses in customizing their strategies to enable affordable learning solutions
Faculty and students at California State San Bernardino have been voicing their concern about the high cost of textbooks for some time. The Affordable Learning Initiative project is our response to this concern. The charge of this initiative is to provide access to resources that will help faculty choose and provide quality, accessible educational content that is more affordable for their students. Choosing textbooks and learning materials are in the purview of the faculty. Our purpose is to help faculty find quality alternatives. This can be in the form of digital textbooks, open courseware resources, publishers' repositories, ebooks, the book rental program at the bookstore, and textbooks on reserve in the library. According to the information on the CSU Affordable Learning Initiative website, our students typically pay over $800 per year for textbooks. As the costs of textbooks continue to rise we must find ways to alleviate some of this burden. The purpose of the Affordable Learning Initiative Campaign is to make affordable alternatives available to faculty as they make textbooks and other course related materials decisions. These alternatives must still be of the highest quality, must help to achieve the learning objectives of the course, and must support the appropriate pedagogical approach.


text:
Two Davids and One Hit Show: 'House'
The Fox TV show House is nominated for four Emmys. David Shore is the executive producer. David Foster is the medical consultant and writes for the series — and for Hugh Laurie, playing an irreverent and controversial doctor who trusts no one. (Original airdate: May 5, 2005.)
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Bullet for My Valentine headed to Rave; Imagine Dragons show at venue sold out
It's apparently a big day for local concert announcements for Welsh bands. On the same morning an April show at Turner Hall Ballroom with Welsh rock trio Joy Formidable was announced comes news that Welsh hard rock group Bullet for My Valentine will play The Rave May 22 with support from Halestorm, Young Guns and Stars in Stereo.
MSO, Swingle Singers enchant with rare 'Sinfonia'
One of the great joys of having a high-quality symphony orchestra in town is the opportunity to experience an enormous variety of music - live.
Friday's Milwaukee Symphony Orchestra concert presented a rare opportunity to hear Luciano Berio's "Sinfonia" for eight voices and orchestra. »Read Full Article(2)


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Search results
Create the page "Prakṛti" on this wiki! See also the search results found.
- Prakrti or Prakriti or Prakruti (from Sanskrit प्रकृति, prakṛti) means "nature". It is, according to Hinduism, the basic nature of intelligence by which23 KB (2,714 words) - 20:17, 20 March 2016
- that it recognized the reality and diversity of the world of experience (prakṛti) while at the same time preserving the notion of a wholly transcendent51 KB (6,908 words) - 10:04, 26 November 2015
- atman (Purusa) is pure consciousness, which cannot be defined further, and Prakrti is responsible for the creation of the empirical world, Purusa is regarded37 KB (4,185 words) - 11:38, 21 November 2015


text:
Crisis Group's Washington, D.C. internship program is designed to give current undergraduate and graduate students, as well as recent graduates, the opportunity to intern amongst the government, think tank and NGO community. Whether it is attending a hearing on Capitol Hill, producing multimedia or conducting research for a memo, interns are exposed to the DC policymaking, media and advocacy community on a daily basis.
At Crisis Group DC, we designed our internship program to reflect our tight-knit office atmosphere. You can expect to collaborate on substantive projects, to interact closely with staff and, in the future to enjoy the same close friendships we have with our previous interns.
Recognizing an internship as a professional first step, the DC office helps you develop your skills by complementing your daily activities with a unique organized professional development program. Some recent highlights have been networking breakfasts, resume/interview guidance from our HR department, and career Q&As with analysts, on top of an unparalleled introduction to the work of the Washington DC advocacy community.
Please select the internship opportunity for more information regarding that position:
HOW TO APPLY: (Refer to the specific job description for full details)
Please submit your application through the form below and email your resume and one-page cover letter (preferably in PDF format) to firstname.lastname@example.com. The subject line must include the program, session, and year of interest (example: Advocacy [Fall, 2014]). To be considered, applications must be received in full by the following deadlines:
Only those applicants selected for an interview will be contacted. Due to the volume of intern applications we receive, we ask that you do not follow up with calls or emails concerning the status of your application. We make every effort to complete the selection process within 30 - 45 days of the application deadline. Applications may be distributed to relevant Crisis Group employees for consideration or comment.
For international applicants, the International Crisis Group is not responsible for providing student or work visas; you will need to make your own visa arrangements.
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CBRE|Martin negotiates office lease to C2AE C2AE, a Michigan-based, national architecture and engineering firm, has leased 13,500 SF of office space in the Hollister Building located at 106 W. Allegan in downtown Lansing.
CBRE|Martin is pleased to announce that The Lally Group, PC has leased 2,879 SF of Executive West, a multi-tenant office building located at 7335 Westshire Drive in Lansing, Mich.
CBRE|Martin is pleased to announce that Lansing Uniform Company, Good Fruit Video and Advanced Multimedia joined Rycus Flooring at 5300 S. Pennsylvania in Lansing, Mich., bringing the center to 100 percent occupancy. See attached press release for more detail.
CBRE|Martin announces its Asset Services Team has been appointed manager of Innovation Technology Center The 100,000 SF Innovation Technology Center located just off Collins Road, south of Jolly Road in Lansing is located in Michigan State University's 115-acre University Corporate Research Park. It is owned by Granger Park Development, L.L.C., and is home to such prestigious tenants as: Michigan Virtual University, Michigan Department of Technology and the USDA Forest Service. CBRE|Martin is excited to bring best practices and an industry leading asset services platform to bear for this assignment.
CBRE|Martin is please to announce the Regus has leased 15,000 SF on the 3rd Floor of One Michigan Place one of the largest multi-tenant office buildings in downtown Lansing, Mich., located at 120 N. Washington Square. CBRE|Martin welcomes Regus, the world's largest provider of flexible workspace solutions, to One Michigan Avenue. Regus will take occupancy in April with a grand opening slated for May 2016.
CBRE|Martin, an affiliate office of CBRE, Inc., is the leader in commercial real estate in Lansing and throughout Mid-Michigan. We are a full-service commercial real estate office that proudly services our clients in six core lines of business: brokerage, corporate services, investment properties, asset services, development and valuation.
We have been building advantage for our clients since the company's inception more than 50 years ago through an approach that is strategic rather than merely transactional, delivering measurable results and redefining expectations.
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We work closely with our offices in Detroit and Grand Rapids to provide seamless coverage throughout the State of Michigan and deliver access to worldwide resources as a part of the unsurpassed global platform of CBRE.
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text:
State board expected to vote on unlicensed teacher proposal
Updated: 07/13/2015 - A measure that would allow some Kansas school districts to hire unlicensed people to fill teaching positions is set to go before the state education board this week.
Updated: 07/13/2015 - A measure that would allow some Kansas school districts to hire unlicensed people to fill teaching positions is set to go before the state education board this week.
Posted: 07/13/2015 - Amazon gave fuel to skeptics of the New York Times' decision to keep Ted Cruz's new book off its bestseller list.
Posted: 07/13/2015 - Kansas officials say a longstanding policy that keeps secret the names of many tax credit recipients is intended to protect taxpayers' privacy and has spanned the terms of several governors.
Posted: 07/13/2015 - A Kansas council that reviews legal issues plans to study expanding the state's Open Records Act to cover officials' emails about public business on private accounts.
Posted: 07/10/2015 - A Kansas district court judge says he is prepared to challenge the constitutionality of this year's judicial budget bill.
Posted: 07/10/2015 - Donald Trump's divisive comments about immigration have drawn a crowd, one bigger than even the blustery billionaire expected.
Posted: 07/09/2015 - A long-delayed effort to build a memorial honoring President Dwight D. Eisenhower is gaining design approvals to potentially move forward.
Updated: 07/08/2015 - Kansas Attorney General Derek Schmidt has been appointed to a committee established by the national group for state attorneys general to study legal issues surrounding agriculture.
Updated: 07/07/2015 - Kansas Gov. Sam Brownback has issued an executive order aimed at protecting clergy, religious leaders and religious groups from being penalized by the state for opposing same-sex marriage.
Posted: 07/07/2015 - Gov. Sam Brownback has appointed a Wichita lawyer to serve as a district judge for Kansas' 18th District Court.
Updated: 07/06/2015 - Hillary Clinton's campaign used a rope to keep journalists away from the candidate on Saturday while she walked in this small town's Fourth of July parade.
Updated: 07/06/2015 - From the other side of the political aisle, comes Republican Condoleezza Rice. Former secretary of state and classically trained pianist, has recorded a version of 'Amazing Grace' with violinist Jenny Oates Baker.
Updated: 07/06/2015 - One of Paul Harvey's most popular commentary offerings was what came to be known as "Our Lives, Our Fortunes And Our Sacred Honor".
Posted: 07/02/2015 - Republican Gov. Sam Brownback says he's considering proposing a new religious objections law for Kansas following the U.S. Supreme Court's decision legalizing gay marriage across the nation.
Posted: 07/02/2015 - Kansas Gov. Sam Brownback has signed a bill clarifying that a new law aimed at reducing local property taxes doesn't take effect until 2018.
Updated: 07/01/2015 - President Barack Obama on Wednesday announced the re-establishment of diplomatic ties between the U.S. and Cuba in a statement he delivered in the White House Rose Garden.
Updated: 06/30/2015 - Kansas had mixed news on taxes with 2015 revenue up from 2014, but June ended up lower than projected.
Posted: 06/30/2015 - When six black churches in the Southeast burned in the days following the Charleston church killings, authorities and church members were immediately suspicious.
Posted: 06/30/2015 - Kansas officials are waiting to see whether state tax collections this month met expectations.
Updated: 06/30/2015 - Cherokee County commissioners have voted to ask the Kansas Racing and Gaming Commission to reject a casino recommended for Southeast Kansas.
Updated: 06/30/2015 - Gov. Chris Christie is about to find out whether the tough-talking style that's so popular at home in New Jersey will resonate on the presidential campaign trail.
Posted: 06/29/2015 - Kansans who register to vote using a federal form without providing citizenship documentation will still not be able to vote in state elections despite the latest U.S. Supreme Court action.
Updated: 06/29/2015 - Kansas Attorney General Derek Schmidt filed a motion Monday, asking the Kansas Supreme Court to put on hold a district court's decision on school finance.
Posted: 06/29/2015 - The Supreme Court will continue allowing residents of Arizona and Kansas to register to vote using a federal form without having to provide proof of citizenship.
Posted: 06/29/2015 - Budget cuts are leading to significant cuts to a Kansas program designed to enhance career and technical education.


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Zetaweb false promises
there is a company called zetaweb in cape town taking money from unsuspecting students promising them employment. this however is not the case. you will lose your money and still be unemployed.
- December 9
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I have tried my luck at @ www.simpledesktops.com too... :-)
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Princess Haya Attends The Omega Dubai Ladies Masters Golf Tournament
Princess Haya bint Hussein attended the Omega Dubai Ladies Masters golf tournament which is held under her patronage in Dubai this afternoon. Dressed in a green traditional Jordanian caftan match with gold earrings, Princess Haya watched the tournament and handed out the trophies. Embed from Getty Images


text: DJ "Sucio" - Martes & Sabados @9pm Tweet Posted May 9th, 2014 @ 10:52pm Mario Herazo AKA DJ "Sucio" was inspired by music since he was a young boy. He was raised playing instruments for the church in his community. He developed a great appreciation of music of all genres. He then explored his passion of music by DJing for family, friends and local schools. Which then developed into nightclubs in the year 2005. Once his popularity in the club scene grew he tackled his next venture, which was to become a radio personality. In 2008 DJ Sucio got his first break as an ON AIR mixer for Mega 94.9 FM which started with one mix a week to now doing 3 plus mixes weekly and responsible for live broadcast at various nightclub locations throughout the month. With a great team aside him he continue to strive to deliver music, passion, energy and positivity throughout the community.


text:
You missed it This great deal for 8 Arms Community Bakery is over. But don't despair, we've got more great deals every day.
Related Deals That You May Like
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Similar to a farm-share program, but with bread instead of rutabagas, this program allows members to purchase a "share" in the bakery and reap the weekly bounty. Your box of baked goodies can even be customized -- 8 Arms caters to all diets by offering vegan, gluten-free, nut-free, and other special breads. There are six area locations for pick-up, and they're in Olympia, Tumwater, Lacey, and Shelton.
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• PAID VALUE EXPIRES ON July 25, 2021
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