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Skip to comments.THE FINANCIAL TSUNAMI Part 1: Deutsche Bank's Painful Lesson
Posted on 11/24/2007 6:05:40 PM PST by Travis McGee
Even experienced banker friends tell me that they think the worst of the US banking troubles are over and that things are slowly getting back to normal. What is lacking in their rosy optimism is the realization of the scale of the ongoing deterioration in credit markets globally, centered in the American asset-backed securities market, and especially in the market for CDOsCollateralized Debt Obligations and CMOsCollateralized Mortgage Obligations. By now every serious reader has heard the term Its a crisis in Sub-Prime US home mortgage debt. What almost no one I know understands is that the Sub-Prime problem is but the tip of a colossal iceberg that is in a slow meltdown. I offer one recent example to illustrate my point that the Financial Tsunami is only beginning.
Deutsche Bank got a hard shock a few days ago when a judge in the state of Ohio in the USA made a ruling that the bank had no legal right to foreclose on 14 homes whose owners had failed to keep current in their monthly mortgage payments. Now this might sound like small beer for Deutsche Bank, one of the worlds largest banks with over 1.1 trillion (Billionen) in assets worldwide. As Hilmar Kopper used to say, peanuts. Its not at all peanuts, however, for the Anglo-Saxon banking world and its European allies like Deutsche Bank, BNP Paribas, Barclays Bank, HSBC or others. Why?
A US Federal Judge, C.A. Boyko in Federal District Court in Cleveland, Ohio ruled to dismiss a claim by Deutsche Bank National Trust Company. DBs US subsidiary was seeking to take possession of 14 homes from Cleveland residents living in them, in order to claim the assets.
Here comes the hair in the soup. The Judge asked DB to show documents proving legal title to the 14 homes. DB could not. All DB attorneys could show was a document showing only an intent to convey the rights in the mortgages. They could not produce the actual mortgage, the heart of Western property rights since the Magna Charta if not longer.
Again why could Deutsche Bank not show the 14 mortgages on the 14 homes? Because they live in the exotic new world of global securitization, where banks like DB or Citigroup buy tens of thousands of mortgages from small local lending banks, bundle them into Jumbo new securities which then are rated by Moodys or Standard & Poors or Fitch, and sell them as bonds to pension funds or other banks or private investors who naively believed they were buying bonds rated AAA, the highest, and never realized that their bundle of say 1,000 different home mortgages, contained maybe 20% or 200 mortgages rated sub-prime, i.e. of dubious credit quality.
Indeed the profits being earned in the past seven years by the worlds largest financial players from Goldman Sachs to Morgan Stanley to HSBC, Chase, and yes, Deutsche Bank, were so staggering, few bothered to open the risk models used by the professionals who bundled the mortgages. Certainly not the Big Three rating companies who had a criminal conflict of interest in giving top debt ratings. That changed abruptly last August and since then the major banks have issued one after another report of disastrous sub-prime losses.
A new unexpected factor
The Ohio ruling that dismissed DBs claim to foreclose and take back the 14 homes for non-payment, is far more than bad luck for the bank of Josef Ackermann. It is an earth-shaking precedent for all banks holding what they had thought were collateral in form of real estate property.
How this? Because of the complex structure of asset-backed securities and the widely dispersed ownership of mortgage securities (not actual mortgages but the securities based on same) no one is yet able to identify who precisely holds the physical mortgage document. Oops! A tiny legal detail our Wall Street Rocket Scientist derivatives experts ignored when they were bundling and issuing hundreds of billions of dollars worth of CMOs in the past six or seven years. As of January 2007 some $6.5 trillion of securitized mortgage debt was outstanding in the United States. Thats a lot by any measure!
In the Ohio case Deutsche Bank is acting as Trustee for securitization pools or groups of disparate investors who may reside anywhere. But the Trustee never got the legal document known as the mortgage. Judge Boyko ordered DB to prove they were the owners of the mortgages or notes and they could not. DB could only argue that the banks had foreclosed on such cases for years without challenge. The Judge then declared that the banks seem to adopt the attitude that since they have been doing this for so long, unchallenged, this practice equates with legal compliance. Finally put to the test, the Judge concluded, their weak legal arguments compel the court to stop them at the gate. Deutsche Bank has refused comment.
What next?
As news of this legal precedent spreads across the USA like a California brushfire, hundreds of thousands of struggling homeowners who took the bait in times of historically low interest rates to buy a home with often, no money paid down, and the first 2 years with extremely low interest rate in what are known as interest only Adjustable Rate Mortgages (ARMs), now face exploding mortgage monthly payments at just the point the US economy is sinking into severe recession. (I regret the plethora of abbreviations used here but it is the fault of Wall Street bankers not this author).
The peak period of the US real estate bubble which began in about 2002 when Alan Greenspan began the most aggressive series of rate cuts in Federal Reserve history was 2005-2006. Greenspans intent, as he admitted at the time, was to replace the Dot.com internet stock bubble with a real estate home investment and lending bubble. He argued that was the only way to keep the US economy from deep recession. In retrospect a recession in 2002 would have been far milder and less damaging than what we now face.
Of course, Greenspan has since safely retired, written his memoirs and handed the control (and blame) of the mess over to a young ex-Princeton professor, Ben Bernanke. As a Princeton graduate, I can say I would never trust monetary policy for the worlds most powerful central bank in the hands of a Princeton economics professor. Keep them in their ivy-covered towers.
Now the last phase of every speculative bubble is the one where the animal juices get the most excited. This has been the case with every major speculative bubble since the Holland Tulip speculation of the 1630s to the South Sea Bubble of 1720 to the 1929 Wall Street crash. It was true as well with the US 2002-2007 Real Estate bubble. In the last two years of the boom in selling real estate loans, banks were convinced they could resell the mortgage loans to a Wall Street financial house who would bundle it with thousands of good better and worse quality mortgage loans and resell them as Collateralized Mortgage Obligation bonds. In the flush of greed, banks became increasingly reckless of the credit worthiness of the prospective home owners. In many cases they did not even bother to check if the person was employed. Who cares? It will be resold and securitized and the risk of mortgage default was historically low.
That was in 2005. The most Sub-prime mortgages written with Adjustable Rate Mortgage contracts were written between 2005-2006, the last and most furious phase of the US bubble. Now a whole new wave of mortgage defaults is about to explode onto the scene beginning January 2008. Between December 2007 and July 1, 2008 more than $690 Billion in mortgages will face an interest rate jump according to the contract terms of the ARMs written two years before. That means market interest rates for those mortgages will explode monthly payments just as recession drives incomes down. Hundreds of thousands of homeowners will be forced to do the last resort of any homeowner: stop monthly mortgage payments.
Here is where the Ohio court decision guarantees that the next phase of the US mortgage crisis will assume Tsunami dimension. If the Ohio Deutsche Bank precedent holds in the appeal to the Supreme Court, millions of homes will be in default but the banks prevented from seizing them as collateral assets to resell. Robert Shiller of Yale, the controversial and often correct author of the book, Irrational Exuberance, predicting the 2001-2 Dot.com stock crash, estimates US housing prices could fall as much as 50% in some areas given how home prices have diverged relative to rents.
The $690 billion worth of interest only ARMs due for interest rate hike between now and July 2008 are by and large not Sub-prime but a little higher quality, but only just. There are a total of $1.4 trillion in interest only ARMs according to the US research firm, First American Loan Performance. A recent study calculates that, as these ARMs face staggering higher interest costs in the next 9 months, more than $325 billion of the loans will default leaving 1 million property owners in technical mortgage default. But if banks are unable to reclaim the homes as assets to offset the non-performing mortgages, the US banking system and a chunk of the global banking system faces a financial gridlock that will make events to date truly peanuts by comparison. We will discuss the global geo-political implications of this in our next report, The Financial Tsunami: Part 2.
© 2007 F. William Engdahl
---Harvard Economic Society, October 19, 1929
Several brokerage houses tumbled; blue-sky investment companies formed during the happy bull market days went to smash, disclosing miserable tales of rascality; over a thousand banks caved in during 1930, as a result of marking down both of real estate and of securities; and in December occurred the largest bank failure in American financial history, the fall of the ill-named Bank of the United States in New York.
~~Only Yesterday: An Informal History of the 1920s by Fredrick Lewis Allen
"There is no means of avoiding the final collapse of a boom brought about by credit expansion. The alternative is only whether the crisis should come sooner as a result of a voluntary abandonment of further credit expansion, or later as a final and total catastrophe of the currency system involved."
~~Ludwig von Mises
Important post. I have nothing to add. I am following this also, and look forward to the next parts.
Oh, since Judge Boyko, TWO MORE federal judges have reinforced his decision. Because no one knows who owns the mortgages and other bank paper, repossessions are not possible. BIG IMPLICATIONS WORLDWIDE.
This ruling will also send every other bank to do a thorough review of the papers they need to show legal ownership of the debt they are claiming is owed them - they will cover themselves as a result of this ruling. The financial world will not come to a grinding halt as a result of this legal case.
Mortgage lending used to be a department at your local bank which made good mortgage loans as a service for their valued customers. Banks could not incorporate across state lines and the only outside money for mortgages came from FNMA or the like which gave the eastern banks somewhere to safely invest long term money.
It was a low steady return on investment for all involved. Foreclosures were few and far between because lenders were so careful and didn't want bad local community relations.
Well, looks like we're f**ked then.
No reason to do anything but play on as the boat sinks, right?
This detailed and well written piece by Chas. Hugh Smith complements the presented article...it is worth saving..
Buyer beware...
Those people who fell behind on their payments will still loose their houses, but DB won't get the claim they thought they would.
Ding, ding, ding - we have a winnah...
Don't say that! It will interrupt the orgasm of the doomsayers who get off on turmoil.
That's not the word around the bank where I work, but perhaps that's because we're not one of the ones in trouble, and can afford to face reality.
As for these failed foreclosures due to lack of documentation, this phenomenon actually started surfacing a few months ago (even an article in the NYT about it), and anyone who was paying attention realized then it would be a big factor in the whole developing mess -- though probably more of a beneficial effect on homeowners, than harmful effect on financial institutions. Why would anyone think that 2nd, 3rd, 4th, 5th, 6th generation buyers of pieces of pieces of pieces of pools of pools of mortgages, who we all know weren't keeping track of the underlying value of the homes or paying ability of the home"owners", would be keeping track of the actual whole-house mortgage documentation?
I suspect the resolution will be a quasi-standard settlement process, in which the home"owners" agree to a new, much reduced mortgage debt (reflecting the actual value of the home, which is all the bank would get for it anyway), in return for signing a new mortgage note that the presumed mortgage-holder would more or less clearly hold (and which would be transferable in the event some other institution turned up able to prove -- with or without presenting the original mortgage note -- that it was the actual holder of the original mortgage). This will save a lot of homeowners from foreclosure, while leaving the banks slightly better off than their present true position in the new real estate market (e.g. the house is worth what it's worth, which isn't what the original paperwork said it was worth, but at least a significant percentage of home"owners" will continue paying at the new reduced amount, saving the banks the time and expense of trying to re-sell the houses in a lousy market).
Man, I tell ya, when the bears are this bearish, it's time to buy!
I doubt it. Some will be able to get the debt writedown, others will be foreclosed. Let's just say the DB will get the documentation they need.
That's actually been proposed here on FR, behind screams of "don't do that for those deadbeats" regardless the implications.
I have no problem with securitizing mortgages but the process needs to be cleaned up. As we all know. Better standards (which has already been done for newly-originated loans,) better accounting (not done yet) and better tracking of ownership and all that stuff.
Reselling whole mortgages is not a significant problem. What's really driving this whole mess is the packaging and stripping of mortgage pools into a zillion complex instruments whose holders are unable to (and uninterested in) tracing the actual houses and home"owners" that are supposedly the underlying value of the instruments. We don't need to ban mortgage resales, even across state or national borders, but we do need to ban any sort of stripping of residential home mortgages. The value is in the ability to foreclose, and you can only foreclose on a whole house, so a single entity needs to remain the beneficial owner of the entire mortgage note and accompanying right to foreclose — no selling rights pieces of that note and accompanying rights; sell the whole thing or keep the whole thing.
I'm going to assume for a second that the physical mortgage paper is in existence somewhere. The writer of the article failed to make clear whether the problem was (a) DB failed to produce the paper at the hearing, but could have tracked it down if given more time, (b) DB owned the whole mortgage but had no idea where the paper was, or (c) DB owned just a part of the mortgage, and was falsely acting like it owned the whole mortgage.
The best explanation of the subprime implosion in 10 minutes or less.
Somehow this package of dodgy debts stops being a package of dodgy debts and starts being a Structured Investment Vehicle!
Dry Brit humor that's pretty spot on, from what I can tell.
I'd love a ping to Part II &c., when they appear, if you're doing that.
I have a process with securitizing mortgages unless a central, "final word" system, such as DTC is established. And that could become an extremely complicated and long-term project, given the messy web of different property ownership tracking systems in different states, counties, and municipalities. E.g. many municipalities do not have a computerized database of properties and property owners, most because they don't want to spend the money and are sleepy little towns or counties. And trying to convince every state/municipality to participate in a national DTC-type system, which would have the final word as to owners of record, mortgage-holders, etc. would make herding cats look easy — they don't want to give up that control.
Real estate? I'm looking to buy some right now.
Tell ya we just moved from CA to IN, and, tho we took a bath (didn't get out quite in time), got a fantastic deal on a 3x nicer home in Indy. And, I mean, *fantastic*.
Thanks for your thoughts, I hope the scenario you outline is a solution. Homeowners will bear income tax on the difference between the original mortgage and the new, lowered amount...a residual problem for the homeowners. Our banks are in such bad shape, I do not know how they can avert bringing Level 3 stuff back on board with the new Basel II rules, and in the US the new FAS 157 rules demanding valuations for opaquely valued derivatives. Our banks seem not to have been in compliance with the international rules.
They can only lose their homes if they lose them TO a party which a court agrees has the right to take ownership of the home. Given that places like DB haven't bothered keeping track of paperwork, imagine all the high-volume mortgage origination shops, many of which are in or on the verge of bankruptcy, whose employees have mostly been laid off, etc. A lot of the job of tracing the notes will need to start in those places (especially when the attempt to trace from the other end of the line has failed). Lotsa luck finding anyone to help there!
revisit bump
That was supposed to read "I have a PROBLEM"
I figured that out! But thanks for clarifying.
That make less sense than this:
As apples are to guitars, razors are to coal deposits.
Congresscritters will be tripping over themselves to pass a tax law change that will save the homeowners from a big tax bill on the difference in old/new mortgage amount. Nearly everyone will support such a change, because virtually everybody will be hurt by additional down-spiraling of the residential real estate market.
As for Basel II and "compliance" with that joke, check your FReepmail.
I'm darn sure not looking at anything on the coasts. Heartland property.
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Ask yourself if any parties connected with this post or thread profit from the panic driven sales this blog cries out to generate.
Seriously, though...where'd you get a damn fool idea like that?
Do you have any idea what the "collateralized" in "collateralized debt obligations" means?
First of all, I don't know what "loose their houses" means, so I can't comment on that part of your post. What I can comment on is that these home-renters will not be evicted from their homes until the same issue is proved: i.e. some financial entity demonstrating legal title to the properties. Pretty unlikely the current residents will stay in the houses in perpetuity, but a good chance they will enjoy the next few months rent-free. And I do think this court decision may be the breaker of the financial industry's back, so to speak. Wouldn't mind to see Chitty-bank, Banco Des Las Americas and others take the pipe on this.
The financial world will not, as you say, come to a grinding halt as a result of this ruling; however, this ruling does have some more than trivial implications.
First, it will likely increase the time needed for some banks to foreclose on some props. Which only means, that there is a longer window during which loans already known as bad will have ZERO collateral behind them. This also means that said banks will be a tad more likely to be liable for unpaid property taxes (should the fork'ed props remain unsold) and that perhaps the loans will be a month or two more in arrears than they might have been had the bank(s) been able to foreclose (and hopefully resell) quickly.
Secondly, these tranches of debt were sliced in such arcane ways that legal skirmishes might well develop as to whom the property truly belongs. IOW, who really has the right to foreclose if a particular tranche was sliced in a way that just happened to apportion one specific home/prop in an odd way...bank A with 33% of the note, or bank B with 26%, or bank C with 41%. That's probably only a slight exaggeration, not a ridiculous outlier example.
The banks, therefore, are almost certainly going to incur increased costs processing these properties. So yeah, not the end of the world, just increased hassle for the banks trying to offload this stuff.
In more and more cases, it means fictionalized bits on a nine-track tape somewhere, just where, no one knows.
Me for one...I dwell in an apartment, and have postponed indefinitely my desire to buy a house which will be worth less the day after I buy it for the forseeable future. Also, out of a bank and into a credit union. Maintain low credit card balance. Also interested in commodities, etc.
It's not the "rocket scientist's job." It's the lawyers. Tough for them.
And my heart really bleeds for DB.
This blog, always full of accurate comment, relates to the coming Hedge Fund derivative debacle. Credit has dried up for rollovers. Other articles have stated $500 million per quarter during 2008, $2 trillion for the year, will be attempted redemptions....central bank systems will have more and more difficulty handling this. Here is the blog URL relating to upcoming credit problems for hedgefunds and the loan originating banks...http://ftalphaville.ft.com/blog/2007/11/21/9080/lombard-street-resear
Thanks for posting that. It is a keeper.
oy. I'm not too bright but even I can see that a falling dollar makes dollar denominated assets seem pretty attractive indeed to, say, Brits, for example, who could by two homes for the price of one, providing liquidity to the market and easing the "collapse" that everyone's always yapping about.
The difference between 21st century America and the South Sea Bubble is market efficiency: the ready flow of information and capital, and the freedom to deploy them.
Wonder if anybody will try to hold on via adverse possession? Could become a factor, if this drags on long enough.
Dirt is cheap down here in SW GA.
No one claims the obvious. You have claimed what you wish were true.
Ridiculous. Where's your proof of this fanciful claim?
Someone holds the paper as the papers were prepared and recorded. Therefore someone has a claim on the houses people aren't making payments on.
And second, banks will be forced to revise their terms on all those loans they made that are now scheduled for a big jump in interest rates. They are faced with a choice between renegotiating the payment rate to a level the borrower can afford so that they can continue getting the loan serviced or taking back the property that is now worth far less than what they loaned against it - and is only getting more so by the day.
Given the choice I'd expect many to chose to take a small loss or break even and continue getting the mortgage serviced than taking a big loss immediately by repossessing and trying to sell it.
At a minimum they're going to want to get the borrower to carry the property further into the future by making the terms doable for the borrower where at some point values will increase and they are in a better position to collect on it.
But water is dear?
Yea the coasts have another 10-20% to go. Tho, honestly, you could probably send out some low-ball offers and get some interest 3-6 months from now. (Unless, of course, you wouldn't be caught dead living in CA or MA).
Actually, we're not in bad shape around here. Most people use wells.
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38 Parks near Swannanoa, North Carolina
Ridgecrest, North Carolina 5.19 miles E
Asheville, North Carolina 8.26 miles W
Fletcher, North Carolina 13.54 miles SW
Bat Cave, North Carolina 14.12 miles SW
Old Fort, North Carolina 14.23 miles E
81 South Bear Creek Road Asheville, North Carolina 28806 (map) | (800) 833-0798
Sites: 110 | Latest Rate: $40.00 | 141 Reviews
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Jun 2016 - $40.00
Older campground that could use some updating. Very busy with in and outs - close to multiple highways and the Biltmore Mansion. Paved pad sites. No fire ring. Bath houses are GI showers - not impressed. Has a pool to enjoy. Good cable channels. Wi-Fi was okay. If traveling through, it is a good stop over for a couple of days. - MAVetter
May 2016 - $40.00
Good site for visiting Asheville, but not for camping. Very tight. One neighbor's hookups were under my awning, the other's picnic table was only a few feet outside my bedroom window. WiFi was very weak, could not even open photos on Facebooks at times. The staff was very friendly, but could not reach them by phone when someone locked the ladies restroom early one morning. Restrooms/showers were clean but needed a face lift. - Threepdr
May 2016 - $40.00
This is a nice place to stay if you want to tour Asheville and the Biltmore Estate. Some of the spots are very tight, but others have more space. What you can't see from the campground map is how very steep the area is, so that a campsite that looks like it directly behind you may be a fifty feet higher or lower. You may or may not end up with a nice view, depending upon the slope. The biggest attraction is the proximity to Biltmore, the Farmers Market, the North Carolina Arboretum, and other area sights. If you buy tickets for Biltmore, you get a two-day pass at the price of a one-day pass. So, you can spend one day touring the house and formal gardens and a second day exploring some of the 8,000 acres of the estate. We enjoyed our visit and would recommend to others. (The laundry rooms were very small and could only handle a tiny amount of laundry, so we took ours to a laundromat in town.) - JBick
116 Appalachian Village Road Asheville, North Carolina 28804 (map) | (828) 658-8012
Sites: 18 RV site | Latest Rate: $50.00 | 130 Reviews
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May 2016 - $50.00
Beautiful rv park that offers stunning views and in close proximity of all that Asheville offers. This relatively small campground classifies its sites as either premium or deluxe. The deluxe sites offer shaded sites with filtered views of the French broad River valley and distant mountains. The premium sites have tremendous, unobstructed views of the river and mountains but are not very shaded. Both types are full hookup. The gravel road up to the campground is a little narrow and a little steep in spots but I had no issue pulling our 31 foot travel trailer up or down. The sites are all fairly level and have a fire ring and picnic table. The campground also has some decent trails to explore. - Denver James
Apr 2016 - $70.00
This park is absolutely gorgeous! It is quiet and peaceful. The sites are huge and far apart. They are slanted in such a way that they give you maximum privacy. The premium sites have a gorgeous view of the valley and mountains. And, if you have a regular site in the trees, they have a nice viewing area with benches where you can relax and watch the sun set. The bathrooms were individual bathrooms with a toilet and shower in each. The tent sites were secluded and in the trees. There are not a lot of kids screaming and running around like at a KOA because there is not a lot of kid things to do but this makes it perfect for people like my husband and I who want the peace and quiet to enjoy nature. The only problem with this campground is that it is up a mountain and maneuvering a big rig can be difficult at times. There is about a 1/2 mile curvy, bumpy, narrow, gravel road leading into the campground and backing into a few of the sites was pretty tight. If you have a big rig (especially a fifth wheel), I would avoid spots P8 and D9-13. We had site P8 and, although it was (in my opinion) the best site in the park, parking was extremely difficult due to the narrow road with a drop off on the far side. Don't get me wrong, there were plenty of big rigs up there. Just be aware that that maneuvering can be tight. This is not the place to be if you are not confident of you RV driving skills. Other than the roads, this park is my ideal RV park and I highly recommend it. - AgilityCardiMom
Apr 2016 - $50.00
A beautiful park with a beautiful view of the mountains and river below. Happily we did not have to go up the hill in a big rig, but no problem with our travel trailer. We could have used an extra 5 feet of sewer hose to permit us to fit the site better but we were OK with that. We would definitely stay here again. - 1coloradan
1325 Tunnel Road Asheville, North Carolina 28805 (map) | (828) 299-8277
Sites: 49 | Latest Rate: $42.00 | 54 Reviews
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May 2016 - $42.00
Smaller, older park, but had all the basics covered, except laundry facilities. Wifi worked prettying good. Owner was very friendly and helped out with activities in the area. Sites were a little close, but we were gone during the day, so it was okay. This park is not a vacation destination but it worked out well for seeing the sites of Asheville. - Sally Chew
Oct 2015 - $44.00
Older park with tighter turns and you are close to one another. However as a base for the Blue Ridge Parkway it is excellent. WE had a pull through and 50 amp service. There is cable. - rolling homeless
Oct 2015 - $37.00
$250/wk. Pad sites are split concrete with gravel in middle. Tow car must be parked perpendicular at front, 1/2 on drive. Drives are all gravel and adequate width. Concrete patio w/table. Sites are very close & driver's side too close to pedestal to open one storage bay on the slide. Owner very friendly & helpful. WiFi was good but must login again each time laptop is closed. DISH satellite SD reception good but no HD for locals (out of Greenville SC)--probably a DISH issue. Easy to miss entry beside Mobil gas station, so watch closely for it. Surrounded by trees, few inside.
This is a convenience park, virtually inside the city, not a destination. No pool or stuff for kids. - ragtop45
Candler, North Carolina (map) | (828) 665-7015
Sites: 74 | Latest Rate: $36.00 | 64 Reviews
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Jul 2016 - $36.00
Pad site was unlevel, had to do a major adjust side to side. Dump station is located and installed backwards going the wrong way on road. No gravel but mud beside the station and the water connection to backwash the black tank had a nozzle that matched or hooked up to nothing. - MichaelRay
May 2016 - $40.00
The office staff was so friendly and helpful that I hate to give a bad review but this was possibly the worst campground we have ever been in. It is right next to the interstate and is, by far, the noisiest we have ever stayed in and we've stayed at many campgrounds near busy interstates. The interior roads are not really big rig friendly but they are doable. However, when exiting, RVs have to go both ways and there isn't room to pass so you have to hope you're the only exiting at that time. Sites are gravel and dirt, a bit messy when it rains. One tree at our site needed trimming. We would have had to back out of the site so we wouldn't scratch the side and top of the rig. Fortunately, The rig across from us pulled out and we were able to pull through that site, then make the tight exit turn. We will not return. - dickens
Apr 2016 - $30.00
This came up as a Good Sam recommendation - three 9's.
I have read the reviews and do not understand...
The site is on top of I-40 highway, very noisy.
The sites are very small, on top of your neighbors and a heavy slant.
Compared to many of the KOAs that we have stayed at - roughly all around, less facilities for the kids. - BettieFordonTour
Chimney Rock, North Carolina (map) | (828) 625-4014
Sites: 50 | Latest Rate: $38.00 | 6 Reviews
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Oct 2014 - $38.00
This is an old campground which has been here for years, but it is very picturesque. It's very close to town and Chimney Rock Park. Most of this campground is set up for seasonals. They save a few sites on the river for transients. The interior roads are narrow and bumpy. I think a big rig would have trouble. The sites are pretty short, but we were fine in our 33' motorhome. There's a constant roar from the river, but it would be great for kids in the summer...huge boulders to climb on! The bathrooms have not been updated in years. We used the ones in the far section, and they were functional but very rustic.....but lots of hot water. Their reviews don't say they have WiFi, but they do, and it worked fine. - mom2wildlife
Jun 2012 - $28.00
Access is by winding mountain roads and campground itself is very hilly. Some sites are right on the river which is delightful and perfect for a cool dip on a hot day. There is a playground for children, and the campground is close to Chimney Rock State Park and Lake Lure. The owners are so very helpful. We needed a nut for one of our bikes, and the owner drove to town to get one for us. The washers and dryers were great since we had laundry to do. The sites are shady and well-maintained. There are many permanent renters so plan in advance. The park filled while we were there, and many were turned away. - BarbaraJohnson
Jul 2010 - $36.00
Owners were extremely nice but I agree with the 5 reviews below. Not really big rig friendly: you can get in, but it's very, very tight. Only 2 sites with 50 amp. Oddly the site for motorhome only was 30 amp. It worked well all week though. Everything is old and could use some cleaning. More permanent sites than daily. It's a great area: very peaceful. Would stay here again but those 9-star ratings here are misleading. - BAR and Me
Flat Rock, North Carolina (map) | (828) 697-9523
Sites: 91 | Latest Rate: $41.00 | 51 Reviews
|Clean Restrooms:
|Clean Showers:
Jun 2016 - $41.00
Paved roads with gravel sites. Patio and table. Dog walk is a narrow strip along the back. FHU with TV and Wi-Fi. Couldn't connect to Wi-Fi or were dropped soon after connection. Hotspot for Verizon signal not good. Dumpster filled to almost overflowing. Good for an overnight, but wouldn't stay any time unless I had something in the area to draw me there. Ate at a Cracker Barrel close by. - SerenityRVing
Jun 2016 - $40.00
We saw the rating on this website compared to the others campgrounds in this area. That is why we chose this one. We did not get to use any of the amenities, as it was a short stay. It was a nice campground. Would stay here again. Coming in the front gate is a little tight, but manageable. The sites were mainly level. We only stayed there so we could do the Zipline. - Honeybear & Sugarbear
Oct 2015 - $45.00
Campground has two sections. One part is larger pull-throughs and back-ins. WiFi works great in this section.
Section two has a few short pull-throughs on the entrance road, with the other sites back-ins. These back-ins are short and you are only a few feet from those backed in behind you. WiFi is slow in these lots.
The length of your RV determines which section you allowed to stay in...yes I said allowed. If your rig is 36 ft and above, you will allowed to camp in these large pull-throughs/back-ins. Under 36 ft. don't even think about these lots.
On our last visit, many of these nicer lots were vacant. I asked to move to one of these and was refused. This is when I found out about their length requirements. Age of vehicle/cost of vehicle doesn't matter. Just the length. FYI-Our coach is a 33 ft 2014 Winnebago.
We have traveled through 38 states so far and this is the only park with such rules. I thought segregation had been outlawed.
I don't know if we will return here or stay else where. This experience has certainly left a bad taste with us. - Winnebago Joe
Fletcher, North Carolina (map) | (828) 654-7873
Sites: 79 | Latest Rate: $40.00 | 77 Reviews
|Clean Restrooms:
|Clean Showers:
Jul 2016 - $40.00
We're here for a month which is reflected by the monthly rate. Park workers do not have the skills necessary to manage this park!!! We had to move our car numerous time at all hours, to let their team guide visitors into the sites next to us. Park workers were not too good at providing directions. It is a real comedy watching the park workers provide assistance to other campers, as long as it is not next to your site. - David & Lynda
Jul 2016 - $45.00
We stayed one night, coming back from Myrtle Beach to Kentucky. The Bathroom/Shower House was very clean and modern. Laundry machines were convenient. The campground is located near I-26 near Asheville. The site are close together and most of the sites are completely graveled. - BJackson
Jun 2016 - $42.00
We had a large paved pull-through site (13) near the lake. It was extremely convenient, but had no shade and was not very private. When the back-in sites along the lake were occupied, it blocked our view. Fletcher is a great location, right in between Asheville and Hendersonville, and the park is easy to reach. The staff was friendly; they even help you park! The owners do a great job landscaping the sites, and even though they are adding new ones, noise was never a problem. The pool was inviting; restrooms were modern and clean. We will definitely return, but next time we'd request one of the gravel sites in the back where there's more shade and privacy. - Lyn T
Lake Lure, North Carolina (map) | (828) 625-9160
Sites: 75 | Latest Rate: $30.00 | 3 Reviews
|Clean Restrooms:
|Clean Showers:
Apr 2008 - $30.00
Camped on the river. Will go back in summer for tubing. Super nice owners!! - bud121156
Aug 2005 - $1.00
We camped at this campground over Memorial Day Weekend in 2000, 2001, and 2002 and never saw the owner being disrespectful to anyone. That being said, he ran a tight ship and seemed to be everywhere. We drove through Lake Lure on August 13, 2005 and everything in the campground is gone. The office, buildings, cabins, nothing remains. Grass is growing where the buildings used to be. We really liked this campground and it made us a little sad to see it closed. - Lee W
May 2005 - $0.00
This campground property was sold last October. The property is no longer a campground. Try Hickory Nut Falls Family Campground or River Creek Campground. - weekendlady50
217 River Creek Drive Rutherfordton, North Carolina 28139 (map) | (828) 287-3915
Sites: 55 | Latest Rate: $30.00 | 11 Reviews
|Clean Restrooms:
|Clean Showers:
Jun 2012 - $30.00
Many seasonal/permanent campers, but there was plenty of room for all. The river rises and falls according to the dam water release decisions at Lake Lure, which is the upstream source of water. The owners live on site and are very friendly and helpful folks. Nights are quiet and everything works well. We will return. The campground is near a huge Ingle's Supermarket between Lake Lure and Rutherfordton, and the road south connects with new Highway #74 to Shelby and east, or I-26 going west. - onejimmiedog
Jun 2011 - $17.00
This is a delightful small campground on the Broad River. We had no trouble backing our 34 ft. fifth wheel into our site. The owners also are on site and manage the park. The bathrooms, while basic, are obviously well tended. Tent sites are directly on the river. The main draw here is the river which runs quickly when the dam is open which is usually Monday, Wednesday and Friday. For a $10 per person you can rent a large tube and get shuttled up river for a two hour ride back. Five of us did it while we stayed here and then twelve family members returned while we attended a reunion close by. This is not a "resort" type place but more of a retreat. Even though the river is the main draw, this is safe, quiet, and rural. We stayed for six days and would gladly return. - TailsAwagging
Oct 2010 - $30.00
This park is located in a rural part of western NC, between the Broad River and a small creek. The owner-operators were very friendly. Most sites are shaded and level, about average size, with gravel pads for the rigs and concrete for the picnic tables. Most of the waterfront sites are reserved for monthlies. There's a dog walk area, playground, pet walk, and game room with pool tables. The park has propane. No dump station, but it appears that all of the RV sites are full hookup. The river flows at a trickle on weekends, and during the week the dam is opened upstream, which allows tubing and canoeing on the river. If you plan to come here for boating or fishing, be sure to call the park and verify the water flow for that day. - silvertube
Marion, North Carolina (map) | (828) 724-9013
Sites: 39 | Latest Rate: $54.00 | 33 Reviews
|Clean Restrooms:
|Clean Showers:
Jul 2016 - $54.00
Beautiful, small, and peaceful. The sites are on the river and it's so peaceful. Sites are big with some of the nicest picnic tables I have ever seen. Mostly adults camp here but a few kids are usually running around. Nice dog park and overall a very beautiful place to stay. This is our 3rd visit and we never want to leave. It's close to Mt Mitchell state park and the Blue Ridge Parkway. There is also canoeing and river rafting close by. - Ms Ann
Jun 2016 - $44.00
Very nice campground, owners live on site and take great pride in the appearance of this facility. The owners checked us in and were very friendly and helpful. Very spacious sites, very clean bath house/restrooms. There is a small camp supply store with various necessities. Nice pavilion with activities regularly planned, it was S'more Saturday Night, when we visited. I would have normally rated this campground a 9, but due to geography, there is no cell service and each site is limited to 250 meg each 24 hours. As soon as a cell tower or cable is extended to this location, it will quickly rate higher. - Mtncampers
Apr 2016 - $52.00
Park is beautiful, peaceful, well manicured/landscaped and very clean. It is obvious the owners take great pride in providing a wonderful camping experience. Sites are full hook up, level, spacious and over half of them back up to a very peaceful stream. Bathhouse was very clean, and the camp store/office offers books and movies on loan. We will be back soon!! - Denver James


text:
Try this Crusty Cuban Bread recipe, or contribute your own.
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The Bread Machine Cookbook By D.R. German ISBN 1-55867-025-4 >From: "Allen J. Michielsen"
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- 1by dint of somethinga fuerza de algohe won it by dint of sheer hard workse lo ganó a fuerza de trabajar
se lo ganó a pulsoOraciones de ejemplo
- Creative work is done not by dint of will power, by some kind of mental exertion; instead, and paradoxically, it comes with the least effort, out of the blue.
- She reaches this position by dint of sheer competence.
- But one day by dint of sheer chance and perverse good luck Vernon happened to be struck by a rather smashing train of thought.
- 2 (US) → dentOraciones de ejemplo
- The hat, I think the style was called fedora, had a dark band and a dint in the top, which my father would sometimes correct with a chopping action of his right hand.
- Remove dints and scratches and chips from cars; detail your car inside and out and respray the car, for $1000.
- I'm not sure my massive century-old wardrobe can handle any more nicks and dints from 'careful' removalists.
Definición de dint en:
¿Qué te llama la atención de esta palabra o frase?
Los comentarios que no respeten nuestras Normas comunitarias podrían ser moderados o eliminados.
Ayuda gramatical y de uso para el español:
Muy popular en Reino Unido
Muy popular en Australia
= de moda


text:
Hotels Close to Houston Zoo, Texas Medical Center
Hotel ZaZa Houston
5701 Main Street, Houston 770054.0 out of 5.0
This Houston boutique hotel lies in the Arts District within walking distance of numerous museums; the Texas Medical Center …
Club Quarters in Houston
720 Fannin Street, Houston 770024.0 out of 5.0
Club Quarters is a full-service hotel designed for business travelers, in downtown Houston. A short walk from the Houston …
Hampton Inn & Suites Houston-Medical Center-Reliant Park
1715 Old Spanish Trl, Houston 770542.5 out of 5.0
Situated in Houston, this hotel is within 3 mi (5 km) of NRG Park, Houston Zoo, and Houston Natural Science Museum. Houston …
Crowne Plaza Houston River Oaks
2712 Southwest Fwy, Houston 770983.5 out of 5.0
Located in the heart of Houston, this hotel is 0.9 mi (1.4 km) from Lakewood Church and within 3 mi (5 km) of Menil Collectio …
Rodeway Inn And Suites Medical
6712 Morningside Dr, Houston 770302.0 out of 5.0
Located in Texas Medical Center, this motel is 0.8 mi (1.3 km) from Rice Stadium and within 3 mi (5 km) of NRG Park and …
DoubleTree by Hilton Houston Downtown
400 Dallas St, Houston 770023.5 out of 5.0
Located in Houston's business district, this downtown hotel is 2 blocks from Sam Houston Park and 3 blocks from Houston Cit …
Magnolia Hotel Houston
1100 Texas St, Houston 770024.0 out of 5.0
Housed in a 1926 building, this renovated high-rise hotel is in the downtown historic district of Houston, within 8 blocks of …
Moody Manor
7706 Main St., Houston 770302.5 out of 5.0
Situated in Houston, this hotel is within 3 mi (5 km) of NRG Park, Houston Zoo, and Houston Natural Science Museum. Houston …
Residence Inn by Marriott Houston West University
2939 Westpark Dr, Houston 770053.0 out of 5.0
Located in the heart of Houston, this aparthotel is 0.8 mi (1.3 km) from Lakewood Church and within 3 mi (5 km) of Menil …
The Sam Houston, Curio Collection by Hilton
1117 Prairie St, Houston 770024.0 out of 5.0
2 blocks from light rail, this Houston hotel occupies a historic downtown building 3 blocks from Minute Maid Park, 6 blocks …
- Houston Marriott Medical Center
- Hilton Americas - Houston
- Courtyard by Marriott Houston Medical Center
- Summit Inn And Suites
- Golden Motel
- Modern B&B
- Residence Inn by Marriott - Medical Center/Reliant Park
- Extended Stay America - Houston - Med Ctr - NRG Park - Kirby
- Holiday Inn Express Hotel & Suites Houston-Downtown Conv Ctr
- The Whitehall Houston
- University of Houston Hotels
- Toyota Center Hotels
- Downtown Aquarium Hotels
- Houston Children's Museum Hotels
- Memorial Park Hotels
- Minute Maid Park Hotels
- Houston Natural Science Museum Hotels
- Menil Collection Hotels
- NRG Park Hotels
- The Galleria Hotels
- House of Blues Houston Hotels
- Houston Public Library Hotels
- University of Houston - Downtown Hotels
- Houston Baptist University Hotels
- Rice University Hotels
- Port of Houston Hotels
- University of St. Thomas Hotels
- Lakewood Church Hotels
- Pearland Town Center Hotels
- Houston Museum of Fine Arts Hotels


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Most Liked Positive Review
Good quality grit, needs full 7 days for the best job. 10 days on final polish. I will use this again on next patch for cubscout pack projects.
Most Liked Negative Review
I must be doing something wrong...
I must be doing something wrong, because after reading all the great reviews about how shiny everything's coming out, I'm pretty sorely disappointed in the gray sludge that comes out of my brand new...Read complete review
I must be doing something wrong, because after reading all the great reviews about how shiny everything's coming out, I'm pretty sorely disappointed in the gray sludge that comes out of my brand new tumbler, & coats? everything I put in it. I had some antique hardware that was shiny, but crusty/rusty in places, & thought this would clean & polish them up for me. Unfortunately, it turned all the hardware gray - & not a pretty shade of gray, either. It did get the crud & most of the rust off, so not a total loss, but I'm not at all sure I would have made that trade, had I known up front that all the shine was going away along with the rust & crud.To be fair, I started with the #3 grit, to clean it, then transferred it to the #2 polish, & after I saw how gray & dull they all were, I didn't go for the final polish round. I don't know anything about this rock tumbling, other than so many others raved about how clean/ shiny all their hardware was coming out, so I took a shot. I've ordered some "steel jewelers shot", which may or may not help, but this is getting pretty expensive for just being too lazy to scrape & polish hardware by hand. : )
Reviewed by 14 customers
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I would buy this again
By Soulmates
from Wss MT
About Me Avid Do-It-Yourselfer
See all my reviews
Comments about Thumler's Tumbler Rock Polishing Abrasives:
Exactly what I wanted.
Bottom Line Yes, I would recommend this to a friend
Was this review helpful? Yes / No
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Comment on this review
just what I needed at a fair price
By migi
from st. petersburg, fl
About Me Casual Do-It-Yourselfer
Good product
Perfect for Beginners
By RAB
from Spartanburg, SC
About Me Beginner
The sand being pre measured in small amounts and clearly labeled is a real plus for us beginners. You can't go wrong with this product.
They had what I needed!
By account rep
from Hagerstown, MD
Thank you Harbor Freight! I needed supplies that no "Craft Store" in the area carried. Thee New Harbor Freight Store in Hagerstown, MD had Great Customer service and they had what I needed. It made my Christmas gift nicer now that I have the supplies and resources to get my items I need. Thank you Harbor Freight! I would love to work for your company and offer the products people need in our area.
By Jerry
from Akron
About Me Professional
Great product
By Chacho
from Mount Vernon WA
Just what I wanted for my grandson. Does exactly as described.
Value for money
By ztalsii
from Fayetteville, NC
I liked the fact that it was packaged with the exact quantity that I needed for the tumbler I bought. It's very good value for your money. Not sure how good it is yet as I am still using it to polish my crystals.
grand kids love this!!
By the rock man
from Beaumont CA.
I have used this to show my grandkids how to make regular rocks into polished treasures. they love it!!!
The right equipment.........at last
By larryb
from lake powell, arizona
I am learning a new hobby......and love it
(1 of 1 customers found this review helpful)
Product was what we needed.
By Hollywood
from Fanning Springs, Fl.
This is what we needed to polish the rocks for the grandkids.
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text:
2014 American Country Countdown Awards Nominees Announced
Luke Bryan leads the pack of nominees for the inaugural 2014 American Country Countdown Awards.
Luke Bryan leads the pack of nominees for the inaugural 2014 American Country Countdown Awards.
Are Luke Bryan, Jason Aldean, Florida Georgia Line, Miranda Lambert and Keith Urban the best of the best in country music in 2014?
Florida Georgia Line, one of the music industry's hottest groups, made their "Nashville" debut last night at the end of the season three premiere, performing with Deacon Claybourne, (played by actor Charles Esten).
Every month that new country music emerges is a good month, but October 2014 is pretty exceptional, with two highly-anticipated records dropping within one week of one another. Country bad boy Jason Aldean and hit duo Florida Georgia Line are both set to release albums this fall, making October oh-so-awesome due to new music ... and Oktoberfest, of course.
There's no denying the popularity of Florida Georgia Line right now, and the duo can only get bigger with an upcoming live performance on the 'Nashville' Season 3 premiere!
Now that Florida Georgia Line have dropped their newest single 'Dirt,' they've also announced the Dirt Campaign to run alongside it.
Florida Georgia Line are one of the biggest acts in country music. Red Rocks one of the most incredible concert venues in the world. We're giving you a chance to experience them both.
Tyler Hubbard and Brian Kelley of Florida Georgia Line have been hard at work in the studio, and will have new music ready for fans this fall.
Florida Georgia Line's ultimate hit 'Cruise' featuring Nelly has snagged them yet another award! The duo nabbed Top Country Song at the 2014 Billboard Music Awards.
Tyler Hubbard and Brian Kelley of Florida Georgia Line are much more than just the face of Outnumber Hunger. They recently provided some muscle at Food Bank For New York City.
What do you get when you combine the reigning Entertainer of the Year with 2014 Vocal Duo of the Year onstage at the 2014 ACM Awards? One heck of a performance, that's what.
It only makes sense that with a smash hit like 'Cruise,' country duo Florida Georgia Line would take the next step and book an actual cruise with fans.


text:
Less Lethal
FULL LIST OF Less Lethal - page 6 Topics
Ariz. rioter takes numerous pepper balls - Footage of a suspect taking multiple pepper balls to his body before finally being restrained.
15 arrested after Ariz. fans clash with police on streets - Tucson police in riot gear used pepper spray on the unruly crowd and arrested 15 people on charges of disorderly conduct
Police: Appropriate action was taken in Dallas standoff - Even as they said criminal charges weren't likely, police officials and others defended the department's actions during a three-hour standoff
DA: NC officer used 'reasonable force' to stop school fight - Video of the fight depicts the moments during which one of the boys was struck by a TASER
Bitten cop mistakenly TASERs partner in scuffle with suspect - A pair of Los Angeles police officers and a man were hospitalized after an incident at a North Hollywood movie theater
DHS official talks transparency at Border Security Expo - "Criticism drives a more responsible and better government," Alejandro Mayorkas said
Video: Calif. man TASERed after threatening cops with umbrella -
Calif. man TASERed after threatening cops with umbrella - Police deployed a TASER on a man in the street Monday after he threatened officers with a large umbrella.
Video: Calif. man TASERed after threatening cops with umbrella - Police deployed a TASER on a man in the street Monday after he threatened officers with a large umbrella
Video: TASER's 'Rise' honors law enforcement's heroes - Video honors those across law enforcement who rise to the challenges of the job and become heroes in critical moments
Why your use-of-force model may be flawed (and how to fix it) - Use-of-force models based on continuum / scale / ladder / escalator designs often fail to take into account the "totality of the circumstances" perceived by the officer
Calif. campus police fatally shoot knife-wielding man - The suspect charged at police and had no reaction to the officers' TASER
Texas groups call for ban of less lethal in schools - Education commissioner should ban use of TASERs, pepper spray and other weapons in schools, according to a request from the ACLU and six other groups
BART chief defends officer's use of TASER - BART Police Chief Kenton Rainey said the officer had exercised restraint and faced a potential threat.
Less Lethal
Sponsored By
PoliceOne top 5
1 Video: Okla. cop fatally shoots suspect after struggle over service weapon
2 Union mad police victims have voice at DNC, not cops' widows
3 Taco Bell employee fired after denying service to deputies
4 Kan. officer shot to death while looking for drive-by suspect


text:
Skip to Main Content
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The basic property of degree of polarization (DOP) degradation of optical signal induced by polarization mode dispersion (PMD) in high-speed optical fiber transmission is investigated in detail. The DOP of the optical signal reflects the degree of waveform degradation caused by PMD, therefore, it is proposed to be used as the control signal judging the best compensation point for the optical adaptive PMD compensation techniques. However, the signal DOP is not only affected by PMD, but also by various factors, such as the modulation format, modulator chirp, fiber nonlinearity, amplified spontaneous emission (ASE), and so on. We use numerical simulations and experiments to explore the basic DOP property to detect PMD with these factors. We also show that using the signal DOP as control signal is especially useful for the optical duo-binary modulation because of its high sensitivity and wide PMD detection range
A not-for-profit organization, IEEE is the world's largest technical professional organization dedicated to advancing technology for the benefit of humanity.© Copyright 2016 IEEE - All rights reserved. Use of this web site signifies your agreement to the terms and conditions.


text:
Crazy Substitute Teachers
Enjoy, NG4.03 / 5.00 1,886 Views
Vacuum Salesman
This dude and his Megazord vacuum cleaner4.00 / 5.00 2,540 Views
Markiplier Animated | Mark Of The Survey Corps
This took far too long to make...3.90 / 5.00 4,867 Views
Scene five pwned
4-4 mario was like "Let me guess, thank you mario but our princess is in another castle. Am I right" and toad is like "yes" and mario is like "ooh...fuck" and in 6-4 mario notices toad and is like "fuck!!!" and 8-4... "thank you mario for rescuing me but i am not the princess you are looking for" and link comes and is like "its time to go zelda" and shes like "ok link" and mario shoots them both and is like "yeah! mama fucker!"
Great job for your first one...
There were a little too much toilet humor for my taste, but the rest of it makes up for it. Great job.
not bad
for a first movie that was almost the best mario bloopers i have ever seen
Haha oh man that was some funny shit, I wish my first mario bloopers was that funny. You should e-mail me sometime , maybe you can join my site eh?
wow!!! Matrix from VA studios!!!
thank you for review my submission, your flash movies inspirated my work, so, i found your works so much fun than my flash movie,
thank you so much!!!!!!!!!!!!
Liked it, and the line at the end with "Yeah momma *bleep*er!" made my day.


text:
Arbtt: Time Tracker in Debian Sid
Joachim Breitner wanted to know how much time he was spending on his system, so he wrote Automatic Rule-Based Time Tracker, or Arbtt. The program is now installable from the Debian unstable archive.
Arbtt runs as a desktop daemon and stores minute-by-minute the open and active windows, their titles and the programs they're running. Interesting is how the collected data is evaluated: because Arbtt has "rule-based" in its name, users can apply rule tags to the raw data. Breitner describes how this works in his blog. Statistics can be derived, for example, on how much time goes into viewing YouTube videos or reading mailing lists.
Breitner points out, "This program will record a lot of very sensitive information about you" and recommends purging ~/.arbtt/capture.log from time to time.
Arbtt is written in Haskell and is available in version 0.4.3 on the hackageDB site as a Cabal source package. The source code is in the Darcs repository.
Those foreign to Haskell can still install Arbtt as GPL software from a recently available package in the Debian sid (unstable) repository.
Issue 26: Linux Shell Handbook 7th Ed./Special Editions
Buy this issue as a PDF
SUSE Joins the Microsoft Test Drive Program
Customers can take a free test drive of SLES for HPC on the Azure Cloud
SiFive Launches a Line of Open Source Chips
San Francisco-based chip company announces their first fully open source chip platform.
Fedora 24 Released
The whole distro gets rebuilt on glibc 2.3
Canonical Announces Cross-Distro Support for Snaps
Ubuntu Vendor tries to solve app packaging and distribution problem across distributions.
ownCloud Forked
Founder of ownCloud launches the Nextcloud project.
HP Enterprise Unveils a Futuristic Computer
Will The Machine change the way future programmers think about memory?
CoreOS Announces Distributed Storage System
The new Torus distributed storage system is available under an open source license on GitHub
Google Beats Oracle in the Android Lawsuit
Juries decides Google's use of Java APIs Was Fair Use
Linux is the Largest Software Development Project in History
But if you are not using the latest Linux kernel, your system is insecure.
Linksys Says Yes to Open Source Firmware
Home routers will give room for custom firmware but still comply with FCC rules


text:
I am reading an ebook called "The AWK programming language" and I am currently on chapter 1.3 and observed how
printf works.
Let's say I am going to print out the contents of
emp.data in the form of
"total pay of [name] [total pay]".
The data in
emp.data is:
Beth 4.00 0
Dan 3.75 0
Kathy 4.00 10
Mark 5.00 20
Mary 5.50 22
Susie 4.25 18
When I use
$ awk '{ print "total pay of", $s1, $s2 * $s3 }' emp.data
But when I use the
printf in the terminal, I also need to specifiy
\n like so:
$ awk '{ printf("total pay for %s $%.2f\n", $1, $2 * $3) }' emp.data
They output the same results but why do I need to specify
\n in the end of the string to print a newline in
printf unlike in


text:
Yellow & white Sale Inline Skates
Showing 1 - 5 items
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The K2 Alexis Pro 84 inline skates offer great performance and comfort for those looking for a fitness skate to take their skating to the next level. Great for taking on some light training or for skating up to the local ice cream shop, the Alexis Pro ... Read More
{boxId:"comparea1e0e417a616ab04f424ff5eed", id:"410294P"}
Reg. $69.99
The 5th Element G2-100 Inline Skates are the perfect pair of skates for your young girl who loves feel the wind blow through her hair on those sun-filled summer days. She will love these inline skates that are sure to keep her feet comfortable as she ... Read More
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Designed to get people started in inline skating and then on to the next level comes the Roces Flos skates. This skate is made with glass fiber reinforced HQ polypropylene that makes this a lightweight and comfortable skate. An orthopedical footbed w... Read More
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K2's Fit 84 Boa Inline Skates are part of the Fitness Inspired Technology that will give you high performance, support and maximum versatility. The Boa Closure System creates the ultimate fit, comfort and ease of us. The Fit 84 Boa features the Origina... Read More
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Part of the K2 Training line the K2 Radical 100 inline skates are the lightest, fastest and most comfortable training skates on the market today. They are known for their ability to provide comfort and support while enjoying the speed and performance o... Read More
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text:
Administration of Faith Christian Church
New London, WI 54961
Email: firstname.lastname@example.com
Web site: http://faithchristianch.com
Elder: Dale Schlais 920- 982-2747
Email: firstname.lastname@example.com
Elder: Mike Hermsen 920-538-1001
Email: email@example.com
Elder: Dave Sawall
Email: firstname.lastname@example.com
Secretary: June Sawall 920-982-0492
Email: email@example.com
Everyone a minister serving Christ's body locally, the community around, and the world beyond
submitted 7/20/16
Thursday, July 21st
9:30 AM Women's Psalm Study at Faith Christian Church
7:00 PM Men's Proverbs Study at FCC
Saturday, July 23rd
7:00 PM Rocke Brother Concert at Shiocton Bible Church
Sunday, July 24th
9:00 Youth Study
10:00 Worship Service
Monday, July 25th
6:30 PM Community Prayer at Pathways Church
Thursday, July 28th
9:30 AM Women's Psalm Study at FCC
10:00 Rawhide Prayer at Rawhide
7:00 Pm Men's Proverbs Study at FCC
Sunday, July 31st
9:00 Youth Study
10:00 Worship service
Monday,August 1st
8:30 AM Men's morning prayer at West Wisconsin Diner
1:00 PM Communnity Prayer at Patti's house
Tuesday, August 2nd
7:00 Congregational prayer and praise night regarding relocation
|We are in the forth division in Luke's gospel writing that will extend from chapter 4-21. We call it Jesus' "societal work." We will finish up the 8th chapter of Luke this week as weconsider three ongoing stories of God's kingdom on the move.
"And now, just as you accepted Christ Jesus
as your Lord, you must continue to follow
him. Let your roots grow down into him, and
let your lives be built on him. Then your faith
will grow strong in the truth you were taught,
and you will overflow with thankfulness."
Colossians 2:6-7
|On Sunday the 24th of July we will attempt to highlight the "welcome" Jesus didn't receive in all the stories and situations in Luke 8. We will challenge ourselves to welcome Him among us wherever we are and however we journey with Him.
On Sunday the 31st of July we will begin our study of Luke 9. It is here in the story that Jesus begins delegating His ministry to us.
LINKSWorship Schedule * Nursery Schedule * Janitorial Schedule
* Fellowship Meal Schedule * Sunday Bulletin * Church doctrinal Statement
* Church directional Statement * Jesus A Plan as layed out in Luke 6 * Community Prayer


text:
Making the Marathon a Barefoot Feat
Ken Bob Saxton, a 49-year-old computer technician and marathon runner, tells Michele Norris why he runs marathons barefoot, and how he keeps his feet in good shape.
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Hello from South Dakota!! I love volunteering to Find A Grave to help myself and others learn about loveones that have came before us.
Transfer requests should be for direct relatives within four generations. This would be your siblings, parents, grandparents, great-grandparents, children, grandchildren, and great-grandchildren. (FAG guidelines) If you can, please request changes through the edit tab to make it easier. Please also send edits and links using the edit tab on the memorial.
Im interested in Letcher, Sanborn County and Mitchell SD areas.
My family names include: Lowe, Fouquet, Holley & Albright.
My husband family names include: Busk, Nelson, Johnson & Holm.
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Debbie G Morrogh
Thank you again my friend for the transfers.
Added by
Debbie G Morrogh
on Jul 20, 2016 10:20 AM
Debbie G Morrogh
Runestad transfers
Thank you so much for the transfers. I'm trying to get my family all linked together and will be posting photos of them soon.
Added by
Debbie G Morrogh
on Jul 18, 2016 2:04 PM
Calvin Faircloth
Thanks for updating his memorial!
Added by
on Jul 09, 2016 1:10 PM
Headstone Photo Copy
Please consider copying the photo you posted for Carl Sperlich [Memorial #108645015] to the memorial for his wife Gertrude [Memorial #159149088]. Thank you!
Added by
on Mar 10, 2016 7:50 AM
RE: Fouquet
Yes, I'm Orphina Fouquet's great grandson through her youngest daughter Orphina Mingori-Sumner. I have recently discovered a ton of inormation about the Dussart family with help from the French gentleman who also has been offering up corrections the past 36 hours. Much of the hand-me-down info we have relied on for years through for the Fouquets has had some minor errors that record searches are fixing.
Added by
on Nov 09, 2015 5:09 PM
Abby Streight Birdwell
Sallie Holley
Thelma: no I am not related. If you will send me your email address through the edit tab, I have information from our spreadsheet that might help you. I would rather not give my email out through a public message. I have surveyed and photographed Spring Creek and have a spreadsheet for our files for the Bosque County Historical Commission. Look forward to hearing from you. Abby
Added by
Abby Streight Birdwell
on Sep 20, 2015 4:27 PM
Christopher Family Book
You posted a photo of Jens Christopher from the family book, do you own a copy and if so can you make a copy, talked to uncle Richard about 14 years ago and he said it is out of print and there are no extras. I would dearly love to see the book. thanks so much for posting the photo.
You can email me at firstname.lastname@example.com
Gloria Herbert.
Added by
on Sep 03, 2014 9:57 AM
RE: Lecoq Headstone
You are welcome. The cemetery is a real mess. I took pictures of all the stones I could find about 10 or 12 years ago. It has only gotten worse since then, with trees and brush and vandalism. No one is responsible and it covers 55 acres. I live only a block away.
Added by
on May 25, 2014 11:38 AM
Farwell Cemetery
Thank you so much for the memorials you created for Farwell Cemetery! I very much appreciate your work there, as I had no idea where Sarah E. (Thomas) Strong was buried, and to find her and the children indicated on her stone - and in the same cemetery as Milo! So nice to see them all together, which I wouldn't have known without all your contributions.
Thank you!!
Added by
on Apr 13, 2014 7:54 PM
Chris Skelly
Ardys Dennis Photo Request
Dear Faye,
Can't send a picture of her death date cause she is still alive as is her older sister Vera and her younger brother Jim. Of the 11 children in this family that survived childhood 8 have reached at least 90, Ethel was 102, Amy 96, Spike 98,Lloyd and Don 91 and Nina 90. Ardys (my mother) will be 90 on Feb 13.
Who is your husband? I remember going to all those Busk reunions in Brookings when I was a kid.
Added by
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Initial Investment
Change in Units
-200.0% -294 UNITS (1 Year)
-187.8% -276 UNITS (3 Years)
Fund Your Franchise with Guidant
Learn how to invest your IRA or 401k into a franchise. ($50k min)
Promoted Opportunities
Company Profile
Franchising Since
1983 (33 Years)
Corporate Address
701 Carlson Pkwy., MS8254 Minnetonka, MN 55305
David Berg
Parent Company
Carlson Rezidor Hotel Group
About Radisson
The first Radisson Hotel, named after 17th-center French explorer Pierre-Esprit Radisson, was opened in Minneapolis, Minnesota, in 1909. It was purchased in 1962 by Curt Carlson. Today the chain has locations in over 70 countries around the world. It remains a part of the Carlson hotel group, which also franchises Park Inn by Radisson, Park Plaza and Country Inns & Suites by Carlson.
Financial Requirements
Initial Investment
$3,181,100 - $9,873,100
Ongoing Fees
Initial Franchise Fee
Ongoing Royalty Fee
Ad Royalty Fee
Franchise 500® Rank History
No historical data available.
Highest Rank: 188
Lowest Rank: 478
Units (Locations)
Where Seeking Franchisees:
Franchisor is seeking new franchise units worldwide.
Operations & Franchisor Support
Training Onsite: 1 week
Training at headquarters: 1 week
Ongoing Support
Purchasing Co-ops
Toll-Free Line
Grand Opening
Field Operations
Marketing Support
Co-op Advertising
Ad Slicks
Regional Media
National Media
Absentee Ownership Allowed
Related Franchises
Related Articles
Longtime Owner Sells TGI Fridays for $800 Million
After nearly four decades of ownership, Carlson sold the restaurant chain to two private-equity firms.
Here's the Top 20 Fastest-Growing Franchises of the Year
Check out these rankings.
Why More Baby Boomers Are Looking to Franchise
Twenty-two percent of boomers have less than $100,000 of retirement savings.
Why This Auto Repair Franchise Expanded to Nigeria
An automotive repair franchise takes the leap.
Travel Agencies Are Seeing a Boom -- and This Franchise Knows Why
Learn how Rob Steinfeld and Dean Hanson set up a franchise and joined the unexpected travel boom.
The Franchise 500 is not intended to endorse, advertise, or recommend any particular franchise. It is solely a research tool you can use to compare franchise operations. Entrepreneur stresses that you should always conduct your own independent investigation before investing money in a franchise.
Updated: May 25th, 2016Reprints & Licensing
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text:
Alissa Johannsen Rubin
Recent and archived news articles by Alissa Johannsen Rubin of The New York Times.
Years Before Truck Rampage in Nice, Attacker Wasn't 'Living in the Real World'
Mohamed Lahouaiej Bouhlel, who killed 84 people in France, had long displayed a propensity for violence, and his life appears to show how the unstable have latched on to Islamic State propaganda.
July 25, 2016, Monday
A Third of Nice Truck Attack's Dead Were Muslim, Group Says
The Islamic State has claimed responsibility for the rampage, but it took a heavy toll on Muslims, who numbered at least 30 of the 84 killed.
July 20, 2016, Wednesday
Moment of Silence Turns Into Outcry Against Government After Nice Attack
Anger in connection with the Nice attack is a product of accumulated frustration with the French government's response to terrorism.
July 19, 2016, Tuesday
Attack in Nice Turns Spotlight on City's Religious Divisions
Muslims and non-Muslims have lived alongside each other in Nice for generations, but last week's massacre has exacerbated tensions among residents.
July 18, 2016, Monday
Terror Through the Eyes of Innocents: The Children in Nice
The attack during the Bastille Day fireworks show, an annual attraction for families, underscored the act's brutality, with at least 10 children killed and leaving many with memories of trauma.
July 17, 2016, Sunday
ISIS Claims Truck Attacker in France Was Its 'Soldier'
Officials said the attacker, Mohamed Lahouaiej Bouhlel, may have "radicalized himself very quickly." Four of his acquaintances have been detained.
July 17, 2016, Sunday
France Says Truck Attacker Was Tunisia Native With Record of Petty Crime
The man, 31, had no known links to the militant extremists who have targeted and traumatized France.
July 16, 2016, Saturday
A Surly Misfit With No Terror Links Turned a Truck Into a Tank
The suspect in the rampage that killed 84 people in Nice had run-ins with the law but no record of radicalization, and left no declaration of a motive.
July 16, 2016, Saturday
Scores Die in Nice, France, as Truck Plows Into Bastille Day Crowd
Graphic images showed the vehicle tearing through the crowd. The driver was shot to death by the police, and France's president called the assault "a monstrosity."
July 15, 2016, Friday
France Loses a Soccer Championship, but Achieves a Rare Unity
Despite a loss, France saw the finals of the European Championships as an opportunity to unite and recover after a difficult and divisive year.
July 11, 2016, Monday
Rss Feeds On Alissa Johannsen Rubin
Subscribe to an RSS feed on this topic. What is RSS?


text:
Holiday Inn Moscow properties are listed below. Search for cheap and discount Holiday Inn hotel rooms in Moscow, ID for your upcoming meeting or individual travels. We list the best Holiday Inn Moscow hotels/motels so you can review the Moscow Holiday Inn hotel list below to find the perfect place.
Our page will list Moscow, ID hotels & motels that have similar quality of Holiday Inn.Need 5+ Rooms? Get group bids from hotels in Moscow ID
Enter your stay dates and any discounts you qualify for to see Moscow, ID rates found only on HotelPlanner!
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text:
NewsChannel 8
Revolving Door
Who's coming and who's going. Tell us about your job move! Receive the Revolving Door Newsletter with expert analysis by email twice a week.
December 9, 2011: Bill Lord has been named general manager at WJLA and NewsChannel 8 in Washington, D.C. He had been station manager at both properties. (TVSpy)


text:
Crazy Substitute Teachers
Enjoy, NG4.05 / 5.00 1,609 Views
Vacuum Salesman
This dude and his Megazord vacuum cleaner3.99 / 5.00 2,456 Views
Markiplier Animated | Mark Of The Survey Corps
This took far too long to make...3.90 / 5.00 4,174 Views
liek ogm!!1
that was too hot for pot :-D
I dont know what that means but thank you
wasnt good
it sucked ass kinda..boring YAWN
you must have a very short attention span if you think a 1 minute movie is boring
verrrrr funny!
and true, aswell!!! hahaha.
although it was pretty short, it was right to the point, and pretty damn funny! hehe. I laughed when she brought in 'Mr. T' to her dad... hehe.
well, the use of sprites was pretty good: they were well animated, but i did think they were pretty pixelated. meh, still good.
sound could have been better: there were a few good bits of music, but i didnt think that there were enough sound effects in there... still, the music and sound effects used werent bad.
so overall, a pretty funny little movie, with a great ending! good stuff mate.
overall score: 6.5/10
thank you for the good review
Whaha this is sure funny
i try my best


text:
Sep 16
GLBT Barn Dance! A benefit for Freedom To Marry organizations. Great country music! Dancing! Beer! Taxidermy!
Sep 11
Second Annual Grumpy's Bikeshow This year's Bike Show promises to improve upon last year's! We will be having beer specials as usual and of course there will be a special food offering from Ty! One of the changes includes a $5.00 registration fee for entering your bike into the show. The proceeds from this will go to the Minnesota Prostate Cancer Coalition. http://www.mnpcc.org/ Categories for the show are: Best American Bike Best Custom Bike Best European Bike Best Japanese Bike Ugliest Bike Best Leathers Best Scooter There will be music by Jennifer Markey and The Tennessee Snowpants along with 57 Chevy. There will be more vendors offering their wares during the show as well. Let's make this year better than last!
Aug 25
Pinata Hearts 9PM Western Fifth 10:30PM Jennifer Markey & the Tennessee Snowpants 12AM
Aug 25
9-11 PM! Great food! Great drinks!
Aug 18
Dieselfitters featuring Jennifer Markey and Clay Williams 9PM Crown Vics 11:30
Sounds Like: Buck Owens, Neil Young, Pretenders
Label: Independent
Bio: Jennifer has been singing all her life, but when the hardship of a failed marriage drove her to the Hexagon Bar every week for the Country Jam, she really found her niche. Learning a hundred classic country covers by Johnny Cash, Patsy Cline and Hank Williams, among others, Jennifer learned guit...See Full Bio
"Make no mistake: This is no warbling folk-pop or faux-roots indie rock; it's classic femme-country rock on the order of Wanda Jackson and Rosie Flores."


text:
This Business is not BBB Accredited
Phone: (905) 947-1801Fax: (905) 947-1802View Additional Phone Numbers16 - 20 Amber Street, Markham, ON L3R 5P4http://www.switchworks.comView Additional Web Addresses
BBB Business Reviews may not be reproduced for sales or promotional purposes.
BBB Accreditation
SwitchWorks is not BBB Accredited.
Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.
To be accredited by BBB, a business must apply for accreditation and BBB must determine that the business meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses must pay a fee for accreditation review/monitoring and for support of BBB services to the public.
Reason for Rating
BBB rating is based on 13 factors. Get the details about the factors considered.
This business is not currently rated. BBB does not have sufficient information to issue a rating for this business.
Customer Complaints Summary
|Complaint Type
|Total Closed Complaints
|Advertising / Sales Issues
|Billing / Collection Issues
|Problems with Product / Service
|Delivery Issues
|Guarantee / Warranty Issues
|Total Closed Complaints
Customer Reviews Summary Read customer reviews
0 Customer Reviews Customer Reviews on SwitchWorks
|Customer Experience
|Total Customer Reviews
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|0 Customer Reviews
Read Customer Reviews | Submit a Customer Review | See Trends in Customer Reviews on SwitchWorks
Additional Informationtop
Contact InformationPrincipal: Mr. Rick Ross (President)
Business Category
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text:
posted on: 4/4/13
My daughter has a Calculus AB test on Friday (April 5) and needs a tutor tonight.- Kris from Lake Zurich, IL
Over the last seven years we've built the largest and most trusted tutoring marketplace on the web. With a new student lead posted every minute, WyzAnt eliminates the need to be listed on multiple sites.
WyzAnt's average commission is just 25% compared to the 60-80% that traditional tutoring companies and franchises take. Sign up for free and set your own rate and schedule!
You don't have to worry about marketing, collecting payment, or unqualified leads on WyzAnt. We take care of all the details so you can focus on tutoring!


text:
The 45 Best Pictures Of Scared Bros At A Haunted House Of 2012
These hidden camera shots from Nightmares Fear Factory in Niagara Falls, CA are amazing. It's the return of the Scare-Bros!
45. And one scared Dad-bro for good measure:
Preview Your Response
In The News Today
- One person has died and several others are injured after a shooting in Austin, Texas. Police said the scene is secure.
- UK government minister asked to "urgently explain" the activities and funding of his charity for military families following a BuzzFeed News investigation.
- Donald Trump responded to the father of a fallen Muslim American soldier who criticized him at the DNC, saying, "I've made a lot of sacrifices."


text:
18 Mar 2015
A driver safety video aimed at international drivers on Kangaroo Island has been welcomed by the community as tool to help educate tourists about local road conditions.
The video, which was made by a team of local professionals, helps drivers understand and prepare for the unique features of KI roads, such as different types of unsealed surfaces, wildlife on the roads, changing road conditions and the diversity of other vehicles.
The Drive, Enjoy, Survive: Expect the Unexpected project is an initiative of the Kangaroo Island Council, developed in partnership with DPTI, in response to concerns of the Kangaroo Island Road Safety Committee, tourism operators and other stakeholders.
A key component of the program is conversations with arriving visitors. Champions within the community including tour operators, car hire companies, accommodation providers, council staff and others have been trained to have high quality conversations with visitors about driving to the conditions on unsealed roads.
Eighty-three per cent of accidents on Kangaroo Island roads reported to SAPOL in the 12 month period from October 2013 to November 2014 were on rural roads. A large number of the crashes were due to the driver not being aware of local road conditions and how driving on Kangaroo Island can differ from driving on the mainland.
The campaign and video were launched recently by Transport and Infrastructure Minister Stephen Mullighan, along with representatives of the committee, Sealink, Tourism Kangaroo Island, Budget and Hertz car rentals, police and ambulance officers.
The video can be seen on the KI Council's YouTube channel and at various places for international visitors, such as when booking accommodation, hiring a vehicle and arriving at the Cape Jervis Sealink terminal.
An Italian version of the video also has been produced, with several other language versions in the pipeline.
Road Safety Minister Peter Malinauskas has announced that European ECE 22.05 standard helmets are now legal to be worn by motorcyclists in South Australia.
Road Safety Minister Peter Malinauskas has announced that ECE 22.05 standard helmets will soon be able to be worn by motorcyclists in South Australia.
Sections of seven roads in the Riverland, Murray Mallee and Murray Bridge will be resealed improving safety and extending the life of each road.
The second stage of a $9 million upgrade of a major rural road connecting the upper Yorke Peninsula towns of Bute and Kulpara will begin in March.


text:
Tip of the Day
Freeing up storage in iCloud
Apple provides each iCloud user with 5GB of free storage for iOS device backups, application documents and data, and iCloud e-mail, but if you have multiple iOS devices, or keep a lot of photos and videos in your camera roll, this can quickly fill up. Further, if you've recently upgraded to a new iOS device, the backup from your old device may still be laying around in your iCloud account, taking up additional space. Fortunately, it's pretty easy to see what's taking up space in there and clear it out. Simply go into your iOS Settings app, select iCloud and then Storage & Backup, and then Manage Storage. This will show you first a list of all of the backups stored in your iCloud account for each of your devices, along with the device name, followed by a list of apps storing data in iCloud. You can tap on any of these items to see more information; backups provide a button to delete the entire backup, while application data will provide a list of items that can be deleted individually by using a swipe gesture or tapping the "Edit" button in the top-right corner.
If you're a Mac user with OS X Lion or Mountain Lion, you can also access this information from your OS X System Preferences by going to iCloud, and clicking the "Manage Storage" button. Note that some iCloud data such as Photo Streams, Calendars, Contacts, Reminders is not included in the 5GB of user-accessible storage—it doesn't count against your limit, nor is there any way to delete it. Apple also keeps up to three iCloud backups for each of your devices, but only the most recent backup consumes your iCloud storage; deleting the current backup will also delete the previous versions.
Lastly, if you're using multiple iOS devices in a family, it may be worthwhile to consider switching each user to their own iCloud account—that way they each get their own 5GB of storage, saving you from the possibility of having to purchase additional storage just backup all of the family devices.
Recent Tips
- Speeding up Apple Pay at checkout
- Quickly unlocking your iPhone for Siri
- Using the iPhone as a remote camera with Apple Watch
- Using your iPhone's flash LED for alerts and notifications
- Syncing iTunes Store videos with older iPods
- Managing iOS device backups in iTunes
- Sorting iOS Notifications Chronologically
- Bringing up Wallet from the iPhone lock screen
- Annotating PDFs and images in iOS 9 Mail
- Saving and Sharing Visual Voicemail Messages
- Adding links to Reminders in iOS 9
- Enabling iCloud Drive app in iOS 9
- Going back to a four-digit passcode in iOS 9
- Engaging Low Power Mode in iOS 9
- Adjusting video recording quality settings in iOS 9
- Saving to PDF in iOS 9
- Sending iMessages with Return in iOS 9 when using an external keyboard
- Restoring Files, Contacts, and Calendars in iCloud
- Enabling Do Not Disturb while actively using your iPhone
- Showing only Downloaded Music in iOS 8.4
- Activating Siri by voice
- Accessing a song's album in the iOS 8.4 Music app
- Setting a custom playlist image
- Unsharing Playlists in Apple Music
- Disliking 'For You' suggestions in Apple Music
- Moving photos from main timeline into albums in iOS 8
- Sending locations from your desktop to your iPhone in Google Maps
- Bringing back shaped buttons in iOS 8
- Using your iPhone as a level
- Using Quick Website Search in Mobile Safari
- See all Tips. »
Hi! I'm trying to find out why I would like to backup certain apps? For example Google Maps that is taking almost 1MB of space? Any suggestions???
Posted by Sara in Toronto on November 29, 2013 at 11:17 PM (CST)
delete the backup from other device
Posted by ToddLaPhonso in Toronto on May 7, 2014 at 11:22 PM (CDT)
Recent News
- WSJ: iPhone to see modest changes this year, eliminate headphone jack
- China tightening restrictions on mobile games starting next month
- Supreme Court patent ruling bodes well for future Apple cases
- Apple to pay $400M to consumers over e-book price fixing case
- India eases restrictions, could open up market for Apple retail stores
- Apple refuses to back GOP convention because of Trump
- Bank of America rolling out ATM support for Apple Pay
- Chinese patent ruling may force Apple to stop selling iPhone 6/6 Plus in Beijing
- Apple requiring HTTPS connections from all apps starting in 2017
- Continuity: iOS and watchOS features for macOS Sierra
Recent Reviews
- JBL Clip 2 Wireless Bluetooth Speaker
- Audio-Technica ATH-SR5BT Wireless On-Ear Headphones
- Catalyst Case for iPad mini 4
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- Audio-Technica ATH-MSR7NC SonicPro Headphones with Active Noise Cancellation
- Twelve South BookBook for 12.9" iPad Pro
- Spigen Rugged Armor, Style Armor + Wallet S for iPhone SE
- OtterBox Symmetry Series Hybrid Case for 12.9" iPad Pro
- Logitech Logi BASE Charging Stand for iPad Pro
Recent Articles
- Inside the betas: iOS 10 shakes up the user experience
- Inside the betas: watchOS 3 promises a real speed boost
- Inside the betas: A sneak peek at what's new in tvOS 10
- Filling the Gap: A look at third-party HomeKit apps
- Instant Expert: Secrets & Features of tvOS 9.2
- Instant Expert: Secrets & Features of iOS 9.3
- Opinion: Why Apple needs a dedicated HomeKit app
- Inside the betas: What's new in iOS 9.3 and tvOS 9.2 (Updated)
- Life with HomeKit: Our experiences with Apple's home automation system
- Under the Radar: 10 'hidden' details about the new Apple TV


text:
GO! with Office 2007 Getting Started / Edition 1by Alicia Vargas, Suzanne Marks, Sally Preston, Robert Ferrett
Pub. Date: 05/17/2007
Publisher: Prentice Hall
The primary goal of the GO! Series, aside from teaching computer applications, is ease of implementation, with an approach that is based on clearly-defined projects for students and a one of a kind supplements package. GO!'s project-based approach clusters the learning objectives around the projects rather than around software features./i>/i>/b>
The primary goal of the GO! Series, aside from teaching computer applications, is ease of implementation, with an approach that is based on clearly-defined projects for students and a one of a kind supplements package. GO!'s project-based approach clusters the learning objectives around the projects rather than around software features. Teaches students to solve real problems as they practice and learn the features. GO! with Office 2007 Getting Started, 1/e provides introductory coverage of Office 2007 applications, including Windows XP, Word, Excel, Access and PowerPoint. MARK ET: Ideal for students and professionals seeking a conclusive introduction to Microsoft Office 2007 applications.
Product Details
- 9780131572508
- Publisher:
- Prentice Hall
- Publication date:
- 05/17/2007
- Series:
- Go! Series
- Edition description:
- New Edition
- Pages:
- 416
- Product dimensions:
- 8.69(w) x 10.70(h) x 0.68(d)
Table of Contents
GO! with Microsoft Office 2007 Getting Started
Word 2007
Chapter 1 Creating Documents with Microsoft Word 2007
PROJECT 1A Application Letter
Objective 1 Create and Save a New Document
Objective 2 Edit Text
Objective 3 Select, Delete, and Format Text
Objective 4 Print a Document
PROJECT 1B Company Overview
Objective 5 Navigate the Word Window
Objective 6 Add a Graphic to a Document
Objective 7 Use the Spelling and Grammar Checker
Objective 8 Preview and Print Documents, Close a Document, and Close Word
Objective 9 Use the Microsoft Help System
Excel 2007
Chapter 2 Creating a Worksheet and Charting Data
PROJECT 2A Auto Sales
Objective 1 Create, Save, and Navigate an Excel Workbook
Objective 2 Enter and Edit Data in a Worksheet
Objective 3 Construct and Copy Formulas, Use the Sum Function, and Edit Cells
Objective 4 Format Data, Cells, and Worksheets
Objective 5 Close and Reopen a Workbook
Objective 6 Chart Data
Objective 7 Use Page Layout View, Prepare a Worksheet for Printing, and Close Excel
PROJECT 2B Safety Shop
Objective 8 Design a Worksheet
Objective 9 Construct Formulas for Mathematical Operations
Objective 10 Format Percentages and Move Formulas
Objective 11 Create a Pie Chart and a Chart Sheet
Objective 12 Use the Excel Help System
Access 2007
Chapter 3 Getting Started with Access Databases and Tables
PROJECT 3A Doctor and Patient Contact Information
Objective 1 Start Access and Create a New Blank Database
Objective 2 Add Records to a Table
Objective 3 Rename Table Fields in Datasheet View
Objective 4 Modify the Design of a Table
Objective 5 Add a Second Table to a Database
Objective 6 Print a Table
Objective 7 Create and Use a Query
Objective 8 Create and Use a Form
Objective 9 Create and Print a Report
Objective 10 Close and Save a Database
PROJECT 3B Health Seminars
Objective 11 Create a Database Using a Template
Objective 12 Organize Database Objects in the Navigation Pane
Objective 13 Create a New Table in a Database Created with a Template
Objective 14 View a Report and Print a Table in a Database Created with a Template
Objective 15 Use the Access Help System
PowerPoint 2007
Chapter 4 Getting Started with Microsoft PowerPoint 2007
PROJECT 4A Expansion
Objective 1 Open, View, and Save a Presentation
Objective 2 Edit a Presentation
Objective 3 Format a Presentation
Objective 4 Create Headers and Footers and Print a Presentation
PROJECT 15B Overview
Objective 5 Create a New Presentation
Objective 6 Use Slide Sorter View
Objective 7 Add Pictures to a Presentation
Objective 8 Use the Microsoft Help System
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Great question! I'm not in Chicago so I don't know any hard-money lenders there BUT, an alternative might be to work with a REALTOR to find the home you really wan ... more
It would be in your best interest to speak with a Loan Officer, if you have not done so already to see what would be available for your particular situation.
If you ac ... more