text:
Data Providers>MULTINATIONAL ORGANIZATIONS>GLOBEC/ICES/MDC
Cod Growth DataEntry ID: GLOBEC_005_ICES_003
Abstract: Data from Cod Growth Workshop, May 8-10 2000, Dartmouth, Nova Scotia,
Canada. The workshop was proposed by the ICES/GLOBEC Working Group on
Cod and Climate Change. The terms of reference for the workshop were:
- To develop models of growth in order to improve the quality of
stock forecasting;
- To describe major sources of uncertainty in further improving the
prediction of growth rate and advise ... on further studies to reduce the
- To assess the contribution of growth rate variability to the
observed variability in stock biomass and stock forecasts; and
- to recommend standard methods for comparing growth rates.
Growth rate varies widely among cod stocks. Large changes in growth
rate have also been observed within many cod stocks. This variation in
growth rate has important consequences for the productivity of these
stocks. Variation in growth rate may reflect effects of temperature
change, density dependence (i.e., changes in per capita prey
availability due to variation in prey or cod abundance), changes in
maturation schedules, changes in size-selective fishing mortality, or
genetic variation. An understanding of the causes of variation in
growth rate among and within cod stocks may lead to improved forecasts
of stock biomass and productivity, and is required to assess the
likely impacts of climate change on cod populations.
To facilitate the exchange of data and ideas, a Discussion/Bulletin
Board for the workshop will be maintained at the ICES/GLOBEC Internet
site (http://www.ices.dk/globec/globec.htm).
This webpage contains information on where to get Cod Growth Data
for areas of interest to ICES.
This information has been taken from the ICES/GLOBEC Cod and
Climate Change website http://www.ices.dk/globec
Geographic Coverage
Spatial coordinates
Data Set Citation
Dataset Title: Proposed publication as an ICES Co-operative Research Report
Location Keywords
Science Keywords
Data Center
Role: DIF AUTHOR
Phone: +44 (0)1752 633401
Fax: +44 (0)1752 633101
Email: globec at pml.ac.uk
Contact Address:
GLOBEC International Project Office Plymouth Marine Laboratory Prospect Place
City: Plymouth
Postal Code: PL1 3DH
Country: UK
Extended Metadata Properties
(Click to view more)
Creation and Review Dates
DIF Creation Date: 2001-02-26
Last DIF Revision Date: 2016-11-22


text:
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Facebook PHP Photo Upload Script
This project was awarded to PrajwalShetty for $50 USD.Get free quotes for a project like this
Project Budget$30 - $250 USD
Total Bids11
Project Description
I need a simple PHP script that I can include in my project to upload a photo into a Facebook album of the user that is logged in.
I have a website with a photo gallery, I want the user to click on a button that will upload the selected photo into his/her Facebook album. Don't write a complete website just the function in PHP that I can include into my project and that I can call from a function.
NOTE: I do not want complicated files to include into the project you must make this simple and efficient. My main project is in CodeIgniter ideally if you can write this script as a helper function that I can include into the project it would be ideal.
Awarded to:
Skills Required
Looking to make some money?
- Set your budget and the timeframe
- Outline your proposal
- Get paid for your work
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text:
Noise Monitoring Applications
Noise monitoring for the petrochemical industry
Many industrial operations take place over lengthy time periods and operations often continue 24 hours a day. By implementing a 24 hour noise monitoring system, with real-time communication and alert notification, a plant can demonstrate to the community and regulatory agencies that they are sensitive to the community and prepared to root-cause and correct any problems that may arise.
Noise Monitoring for Transport
A range of noise measurement instruments, all fully weather protected for reliable long term operation, that are ideal for transport noise measurements. Whether it's for short term handheld measurements or longer term noise monitoring applications, Cirrus Environmental can offer a solution.
Noise monitoring for airports
Airports, small and large, use noise and operations monitoring systems to reduce the noise of flight operations in the surrounding community. Noise monitoring is generally used to evaluate noise abatement programs and to develop aircraft departure and arrival procedures that minimize the impact of aircraft noise based upon altitude, flight path, and time of day. Noise monitoring is linked with radar tracking so that specific aircraft can be identified when noise limits are exceeded and so operational requirements can be enforced.
Larson Davis provides noise monitoring systems to airports, consultants, and system integrators with the technology and support to make a successful program.
Noise Monitoring for Industry
For Industrial Noise Monitoring applications, Cirrus Environmental can supply a range portable, semi-permanent or permanent noise monitors as well as the MK:427 NoiseSensor for integration into existing data logging systems.
Noise monitoring for railways and trains
Controlling and monitoring railway and train noise in residential and urban areas is a critical function of a railway. The noise generated can be dependent upon the engine, rail cars, rail construction, train speed, and the horn. Modern high speed trains have also created new levels of high frequency noise that create an acoustic disturbance that sounds like an aircraft going by.
Wind farm noise monitoring
Wind energy is a renewable energy source that is being harnessed globally to reduce our dependence on fossil fuels and the associated impact on our environment. However, the environmental impact of the turbine noise and the blade pass noise is a concern that is carefully monitored and generally regulated. It is very important to be able to acquire accurate acoustical data for analysis, noise impact predictions, and regulatory compliance. Effective noise monitoring is a very valuable tool to manage a wind farm's relationship with the community and with the local regulatory organizations.
System Integration Noise Solutions
Environmental noise monitors that connect directly to process measurement and control systems. Many industrial plants have a variety of process sensors strategically placed around their site so that safety, environmental impact and efficiency can be monitored and managed, in real time, from one or more control rooms.
Noise monitoring for industrial sites
Industrial noise generated from plants, mills, refineries, shipping docks, utilities, and more, impact the quality of the surrounding community. By controlling and monitoring this noise a community and industry can establish a working relationship that will benefit all. An effective noise monitoring program will allow an industrial site to understand the noise sources and time periods that are causing concerns and then develop a plan for mitigation.
Noise monitoring solutions for electroacoustics
Manufacturers of electroacoustic equipment such as loudspeakers, microphones, telephones, headsets, hearing aids, hydrophones, etc., have, for many years, successfully developed new innovative acoustical designs and introduced these into the market in the form of high-quality products.
Noise monitoring solutions for production testing
The word `quality` is generally used in connection with expensive items and luxury goods. Nowadays, the quality of their product is what suppliers and sub-suppliers live by. Customers, world over, demand and expect it. In manufacturing, much effort has gone into `engineering in` quality by carefully optimising the design and production methods. However, a variety of manufacture and assembly faults often result in unacceptable noise and vibration levels in manufactured products. There is still only one method that makes absolutely sure that every item coming off the production line fulfils expectations. That method is production line testing, where every unit produced gets checked as part of its production cycle.
Sound instrumentation for environmental noise monitoring
State of the art noise monitoring systems; Modern noise monitoring systems offer a wide range of advanced features and come with software that can analyze and structure long term measurements data efficiently. A complete noise monitoring system consists of one or more noise monitoring terminals, a noise server and work stations for presentation, post processing and reporting.
By Norsonic AS based in Lierskogen, NORWAY.
Noise monitoring solutions for urban noise
Sound level measurement for safety regulations
Hand held instruments for the measurement of an employee`s noise exposure. Frequency analysis within Sound Level Meters can also be used to determine the correct selection of hearing protection.
By Casella based in Kempston, UNITED KINGDOM.
Noise monitoring solutions for airport environment management
The Public Demands Quieter Airports: Public demands for quieter airports and concerns about carbon footprints have brought about strict legislation that makes airport environment monitoring compulsory in many countries. Growing environmental concerns constitute one of the most serious obstacles to capacity expansion of airports.
Noise monitoring solutions for sound power
Noise emission values are increasingly becoming marketable items for machines, equipment and appliances - low noise emissions directly relate to lower noise exposure for product users and bystanders. Retail customers, both private and corporate, appreciate this relationship and are, therefore, more aware of noise emission declarations on goods when deciding their purchases.
Noise monitoring solutions for Pass-by noise testing
Traditional Field Pass-by measurements are still the only way to certify a vehicle for exterior noise emission during operation, but Indoor Pass-by provides an extremely powerful and repeatable method of troubleshooting exterior vehicle noise in the controlled environment ofan anechoic chamber.
Pulsar noise testing equipment for vehicle noise measurement industry
In a world where there is a drive for everything to be quieter, vehicle noise measurement and control is a growing application. If measurements need to be made to ISO 5130:2007, which is an internationally recognised standard for vehicle exhaust noise testing, a more detailed measurement needs to be made. ISO 5130:2007 requires three consecutive measurements to ensure repeatability. These measurements are taken at a specified engine speed, or RPM, and the maximum sound level produced during the test is taken.
By Pulsar Instruments plc based in Filey, UNITED KINGDOM.
Waste management for hotels and resorts
Yet, while the people living in today's wealthy societies can easily escape their every day life and enter the pristine world of unspoiled nature, they cannot escape their propensity for generating garbage. On average, a person generates about half a kilogram of solid waste plus approximately 300 liters of wastewater per day. Tourists frequently generate more waste than the average. Thus, a resort that hosts about 300 guests and staff will generate over 50 tonnes of solid waste and 30,000 tonnes of wastewater per year. Where does a resort located far away from any conventional waste treatment facility dispose of all this waste?
By Terragon Environmental Technologies Inc. based in Montréal, QUEBEC (CANADA).
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The Chiang Mai Initiative Multilateralization : Origin, Development and Outlook
This paper discusses the Chiang Mai Initiative Multilateralization (CMIM); its origin, development and future outlook. It puts forward a number of proposals to make the liquidity support role of the CMIM more effective. It is further argued that the CMIM can bring about major changes to the policy institutional infrastructure of the East Asia region, particularly through the establishment of an Independent Surveillance Unit (ISU). The ISU can provide technical and secretariat support to financial cooperation processes in the region, which have thus far been driven by officials on a part-time basis. Consolidation of the main financial forums in the region is also proposed, specifically the Finance Minister Process and the Central Bank Process. Membership of these two processes should be expanded and unified, with the ISU providing technical and secretariat support. It is argued that regular policy meetings can be institutionalized and that this could enhance the role of East Asia in the global financial arena, whilst facilitating policy cooperation, with important regional and global implications.
If you experience problems downloading a file, check if you have the proper application to view it first. In case of further problems read the IDEAS help page. Note that these files are not on the IDEAS site. Please be patient as the files may be large.
|Date of creation:
|Jan 2010
|Contact details of provider:
| Postal: JG Crawford Building #13, Asia Pacific School of Economics and Government, Australian National University, ACT 0200
Web page: http://www.eaber.org
More information through EDIRC
References listed on IDEAS
Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:
- Huang Yiping, 2009. "Strategies for Asian Exchange Rate Policy Cooperation," EABER Working Papers 22858, East Asian Bureau of Economic Research.
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text:
Article writing
This project received 21 bids from talented freelancers with an average bid price of $40 USD.Get free quotes for a project like this
Project Budget$10 - $30 USD
Total Bids21
Project Description
I need writers who can write articles for me as less as 1USD to 4USD. Bulk writers and teams are welcome.
Quality expectations would be high as price goes high and it should be copyright pass. Time should be maintained, Please dont waste both of our time in you cant up the time deadlines. Its strictly not acceptable.
Payment can be made once in a week either to Paypal or to any Indian bank account. I will take up one article as a sample initially and follow up based on quality accordingly.
Skills Required
Looking to make some money?
- Set your budget and the timeframe
- Outline your proposal
- Get paid for your work
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- Times Online


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GAINESVILLE, Fla. -- Tennessee wide receiver Justin Hunter went down on the fourth play of Tennessee's opening drive with what looked like a leg injury.
On third-and-10, quarterback Tyler Bray hit a wide open Hunter for a 12-yard pickup. After he caught the ball he planted and tried to cut by a defender, but fell to the ground.
Hunter was in obvious pain, but was able to walk off the field under his own power after being tended to by members of Tennessee's medical staff.
Tennessee currently trails Florida 7-0 in the first after a 1-yard touchdown pass from John Brantley to Trey Burton on the Gators' opening drive.


text:
• Rumpke: 800-828-8171
• Social Security: No longer issue Social Security number printouts, will stop providing benefit verification letters in October 2014. 1-800-772-1213, www.socialsecurity.gov/myaccount and www.socialsecurity.gov/thirdparty/whatsnew.html
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Services include: Meals on Wheels, transportation, housekeeping, benefits assistance, Information, Call 440-647-0777.
• Ohio Township Association: Visit their website for information on the OTA Scholarship Program
• Junk mail opt out: Visit these sites to find out how to opt out of junk mail: consumer.ftc.gov, catalogchoice.org
• Road construction News: Visit ODOT for district #3 news of Road Construction closures, etc. http://www.dot.state.oh.us/districts/d03/Pages/default.aspx
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Huntington Township
45955 State Route 162
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Administration: 440-647-0040
Zoning Office: 440-647-5100
Walter C. Rollin, Chairman
Robert Holmes
Jed Lamb
Sheila Lanning
The Trustees would like to invite residents to attend all public meetings. The Trustees meet the first and third Monday of every month in the Township Hall (School building) on the corner of SR 58 & SR 162 at 7:00 PM. Any changes to this regular schedule will be posted. In addition to these Trustee meetings there are monthly meetings of the Fire District Board, Ambulance District Board, Rural Lorain County Water Board, LORCO Board and Office on Aging that are open to the public. On the "SERVICES" tab you can find more information on these regular scheduled meetings and find a link to their respective websites for updated information. Your Trustees invite residents to attend and be informed! | Click here for events |


text:
items left
This swingy cardigan is worked from the top down in one piece. The yoke involves classic raglan shaping for the sleeves, and radial eyelet increases for the back. The rounded front edges are shaped with more eyelet increases, as well as short rows. The pattern includes detailed instructions for the short rows; otherwise only very basic skills are required. Suitable for a knitter with some experience.
Select a yarn with a recommended gauge of 24-26 sts / 10 cm, that drapes well after blocking.
For additional clarity, A-2 means A "minus" 2. So, if A=3, then A-2=1. If A=4, then A-2=2, and so on…
Yarn requirements:XS (S, M1, M2) L, XL, XXL 1020 (1100, 1200, 1300) 1450, 1550, 1700 m 1100 (1200, 1300, 1400) 1570, 1680, 1850 yds
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One of the core data structures provided by Hazelcast is IMap<K, V> extending java.util.concurrent.ConcurrentMap – which is basically a distributed map, often used as cache. You can configure such map to use custom MapLoader<K, V> – piece of Java code that will be asked every time you try to .get()something from that map (by key) which is not yet there. ...Read More »
Hazelcast's MapLoader pitfalls
One of the core data structures provided by Hazelcast is IMap<K, V> extendingjava.util.concurrent.ConcurrentMap – which is basically a distributed map, often used as cache. You can configure such map to use custom MapLoader<K, V> – piece of Java code that will be asked every time you try to .get()something from that map (by key) which is not yet there. This ...Read More »
Property-based testing with Spock
Property based testing is an alternative approach to testing, complementing example based testing. The latter is what we've been doing all our lives: exercising production code against "examples" – inputs we think are representative. Picking these examples is an art on its own: "ordinary" inputs, edge cases, malformed inputs, etc. But why are we limiting ourselves to just few examples? ...Read More »
URL shortener service in 42 lines of code in… Java (?!) Spring Boot + Redis
Apparently writing a URL shortener service is the new "Hello, world!" in the IoT/microservice/era world. It all started with A URL shortener service in 45 lines of Scala – neat piece of Scala, flavoured with Spray and Redis for storage. This was quickly followed with A url shortener service in 35 lines of Clojure and even URL Shortener in 43 ...Read More »
Testing code for excessively large inputs
When writing unit tests we mostly focus on business correctness. We do our best to exercise happy path and all edge cases. We sometimes microbenchmark and measure throughput. But one aspect that is often missed is how our code behaves when the input is excessively large? We test how we handle normal input files, malformed files, empty files, missing files… ...Read More »
Grouping, sampling and batching – custom collectors in Java 8
Continuing first article, this time we will write some more useful custom collectors: for grouping by given criteria, sampling input, batching and sliding over with fixed size window. Grouping (counting occurrences, histogram) Imagine you have a collection of some items and you want to calculate how many times each item (with respect toequals()) appears in this collection. This can be achieved ...Read More »
Building extremely large in-memory InputStream for testing purposes
For some reason I needed extremely large, possibly even infinite InputStream that would simply return the samebyte[] over and over. This way I could produce insanely big stream of data by repeating small sample. Sort of similar functionality can be found in Guava: Iterable<T> Iterables.cycle(Iterable<T>) and Iterator<T> Iterators.cycle(Iterator<T>). For example if you need an infinite source of 0 and 1, simply sayIterables.cycle(0, 1) and get 0, 1, 0, 1, 0, 1... infinitely. ...Read More »
Introduction to writing custom collectors in Java 8
Java 8 introduced the concept of collectors. Most of the time we barely use factory methods from Collectors class, e.g. collect(toList()), toSet() or maybe something more fancy like counting() or groupingBy(). Not many of us actually bother to look how collectors are defined and implemented. Let's start from analysing what Collector<T, A, R> really is and how it works. Collector<T, A, R> works as a "sink" for streams – stream pushes ...Read More »
Turning recursive file system traversal into Stream
When I was learning programming, back in the days of Turbo Pascal, I managed to list files in directory usingFindFirst, FindNext and FindClose functions. First I came up with a procedure printing contents of a given directory. You can imagine how proud I was to discover I can actually call that procedure from itself to traverse file system recursively. Well, I didn't know the ...Read More »
Option.fold() considered unreadable
We had a lengthy discussion recently during code review whether scala.Option.fold() is idiomatic and clever or maybe unreadable and tricky? Let's first describe what the problem is. Option.fold does two things: maps a function f over Option's value (if any) or returns an alternative alt if it's absent. Using simple pattern matching we can implement it as follows: ...Read More »


text:
Tartts Website
- Status Closed
- Budget $30 - $250 USD
- Total Bids 29
Project Description
1.) We have a slider on the home page of our [url removed, login to view] website. The site uses a wordpress platform. On the home page there is a blue graphic with flowers which says "now open Tartts South End". We would like that grahic removed fom the slider.
2.) On our "Our Locations page" the text and the photos are not well organized we would like the attached graphic used as a backround on that page with the information displayed about our locations to be neatly organized and professional looking on page. The attached graphic could lose all of the text except for the TARTTS and the logo on top. It could also loose the most of the flowers to make room for text and picts.
We are always looking for affordable high quality Web Design work to improve our existing Web Sites:
[url removed, login to view]
[url removed, login to view]
If we found someone good we would be interested in contacting them for future work.Get free quotes for a project like this
Awarded to:
Skills Required
Looking to make some money?
- Set your budget and the timeframe
- Outline your proposal
- Get paid for your work
Hire Freelancers who also bid on this project
Looking for work?
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text:
Sports and recreation , Community development , Philanthropy , Social enterprise , Volunteering , Poverty and hunger , Family , Economic development , Education , family spanish school antigua guatemala , , , , , , , , , , , , , , , , , , , , , Ver más
Cambio Spanish School
Por el momento no tenemos ninguna oportunidad de voluntariado, trabajo o eventos.
Ingresa o regístrate para enterarte cuando nuevos avisos o eventos sean publicados!
Sobre nosotros
Cambio Spanish School is a social busines founded in 2012. Our spanish school offers high quality one-on-one Spanish instruction both in Guatemala and online via Skype focusing on international education and cross-cultural experiences. We offer our Spanish Language Learning, Homestays and an International Volunteer Program in collaboration with our sister company Niños de Guatemala.
Our success is based on our commitment to quality and the highest level of client service. We continuously invest in professional staff all of whom have over 10 years teaching experience and in first-class facilities to ensure your overall experience with us is nothing short of excellent.
All of our profits are donated to the education nonprofit Niños de Guatemala. So, while students are learning Spanish, they are also allowing Guatemalans living nearby to Cambio to also become educated.
We offer both general and specialized Spanish immersion classes in Antigua Guatemala at basic, intermediate and advanced. Native Spanish instructors, provide classes in small groups, one-on-one and online via Skype. Classes in general Spanish, Spanish for Business, Legal Spanish and Medical Spanish are available year-round.
VOLUNTEER PROGRAMS are also available with Niños de Guatemala schools. Their projects aspire to effect positive change in the countries where we work. Volunteers provide support and protection to children without families or adequate food, shelter and education, and tutoring in English helps young students gain valuable language skills.
Palabras clave
Información de contacto
Fecha de creación: 10/1/12
Email: Ingresa para ver las direcciones de email.
Página(s) web:
cambiospanishschool.com/ facebook.com/cambiospanish facebook.com/NinosdeGuatemala/
Teléfono: +502 7832 8033
4a Calle Oriente #28, Antigua Guatemala, Departamento de Sacatepéquez, 03001, Guatemala


text:
Sites representing biotechnology departments of colleges and universities, subdivisions of colleges and universities or other faculties in institutions financed by providing education in biotechnology.
This category is for departmental or faculty sites, running more than one course or undergraduate, graduate or research program.
Sites opening at a page on one particular course should be submitted to Courses and Workshops.


text:
Submit News
The White House to Discuss Advanced Vehicles at Wednesday Forum
Tiffany Kaiser
June 25, 2012 8:57 PM
Recipient E-mail
Sender E-mail
(Source: carinsurance.org)
The discussion aims to map out the future of advanced autos that will abide by the new fuel efficiency standards
Only weeks before the National Highway Traffic Safety Administration (NHTSA) is expected to complete the
new fuel efficiency standards
, the White House will hold a three-hour forum this Wednesday on the future of advanced vehicles.
The White House Council on Environmental Quality will host a forum on Wednesday called "Advanced Vehicles, Driving Growth." The discussion aims to map out the future of advanced autos that will abide by the new fuel efficiency standards.
"The Obama administration is bringing together diverse auto-sector stakeholders at a White House event to celebrate success stories in the remarkable resurgence of the auto industry and spotlight leaders who represent President Obama's vision of out-innovating and out-manufacturing the rest of the world," said Taryn Tuss, White House CEQ spokeswoman.
"In partnership with auto manufacturers, the United Auto Workers, states and environmental stakeholders, the Administration has developed historic fuel efficiency standards that will nearly double the fuel efficiency of cars and light duty trucks by 2025, save consumers $1.7 trillion at the pump, and encourage innovation and investment in technologies that increase our economic competitiveness and reduce our dependence on foreign oil."
The forum aims to continue taking suggestions for rule changes, mainly from foreign automakers from countries like Germany who feel the rules have been biased toward U.S. automakers.
Last year, major automakers, the state of California, and the White House agreed on the new Corporate Average Fuel Economy (CAFE) proposal for 2017-2025 that would
boost fleet wide fuel economy to 54.5 mpg by 2025
. The effort aims to reduce greenhouse gas emissions and lessen the country's dependency on foreign oil.
The new fuel efficiency standards for 2017-2025 will cost the auto industry $157.3 billion and add an extra $2,000 to the sticker price of new autos, but it will save consumers $1.7 trillion at the gas pump.
The NHTSA will finalize the fuel efficiency standards by the end of July 2012.
The Detroit News
"Paying an extra $500 for a computer in this environment -- same piece of hardware -- paying $500 more to get a logo on it? I think that's a more challenging proposition for the average person than it used to be." -- Steve Ballmer
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UPDATED: Fed's Proposed 54.5 MPG CAFE Requirements for 2017-2025 Released
November 16, 2011, 4:30 PM
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Premium Quality Guaranteed
We offer the top carpet cleaning services at a very competitive price point. Please contact us for a free estimate today!
We offer the top carpet cleaning services at a very competitive price point. Please contact us for a free estimate today!
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Cleaning Tile Floors
To get the tile floors clean the maid will use simple and easy to follow steps. They will be looking their best and new again in no time. To clean tile the maid will sweep the floor with a regular broom. After the floor is swept
A mop is dipped in a solution of water and dish soap and used to mop the floor
To floor is then wiped with a clean towel
This will have remove all dirt and give on the floor without making the tile look cloudy or leaving streaks behind.
There are some things that can make cleaning linoleum easier for the maid. The floor will become clean without looking dull. To begin with the maid will sweep the floor to remove dirt and other particles.
Floor polished is then used to add a shine to the dull linoleum. Any commercial polish will work for this task.
Additional polish will have to be applied to heavy traffic areas
Hardwood flooring is going to need extra care to make sure it does not scratch. There are some simple tricks to get the floor looking new again and to keep the customers happy. Once the floor is swept there is a simple solution that is used.
Mix ¼ cup apple cider vinegar with a gallon of water
Mop the floor and allow it to dry
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Dust is everywhere. Even if a person tires to keep their own home clean they are going to be attacked with dust. To remove the dust from the home the maid will
Clean vacuum and other mats will an all purpose cleaner
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Get the hard to reach places such as ceiling corners to make sure the home is dust free
To keep the dust away the homeowner will to vacuum or sweep between maid visits.
Window Cleaning
To get the windows clean high tech cloths are not going to be needed.
Mix vinegar with a little bit of water as a cleaning solution
Newspaper is the best thing to clean the windows with. It will not leave streaks behind and will remove the dirt.
If the window will not clean wet a wash rag and wipe the area before using newspaper
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When you first install a carpet, it is exciting as a new carpet imparts a new look to your living room (for a full list of benefits, click here). Plus,it also enhances the decor and adds texture to your floors.
But once life happens – spills, accidents, bad maintenance and daily occurrences – your soft and clean wonderland transforms into dull looking flooring.
Here are 7 reasons why you need to get your carpet cleaned immediately.
Carpet Cleaning Reason #1 – Your carpet is spotted with stains that look unappealing.
Whether it is spilled wine, or cola or a mocha latte, unsightly spots need to be removed ASAP. They look ugly, mar the look of the entire room and makes you seem as a careless homemaker.
Choosing a carpet cleaning company does not have to be so difficult. There are four main things that you should look for in a carpet cleaning company. These things are certification, the types of services that they offer, the prices that they charge and quality of services.
When choosing the right carpet cleaning company for your home, you want to make a good choice. This may seem like a difficult task but it does not have to be. One of the things that you are going to want to find out is if they are certified. Carpet cleaning companies that are certified are going to provide you with the best cleaning services. So, if you would like the cleaning done right in your home make sure to check on the certification.
The Type of Services Offered
Many people use carpet cleaning companies for various reasons. Some people like to have their carpets cleaned on a regular basis. Other people just get their carpets cleaned for special occasions. There are even others who get their carpets cleaned only when they get stained. There may be various reasons for getting your carpets cleaned. However, choosing a carpet cleaning company that will provide you cleaning services in any situation is the one to choose.
Carpets are floor coverings within homes that are used to protect floors, provide comfort and to beautify homes. Carpets have a tendency to become filthy within a short amount time. Especially if they are light colored or located in area where there is heavy traffick. Keeping a carpet clean will provide many benefits to homeowners. The following information will explain 10 benefits that people can receive from a clean carpet and how a homeowner can use them for their own covered floors. Clean your carpets now.
A clean carpet will give a home a decent apperance. Having a clean carpet will make a home appear neat, tidy and well kept. This benefit is important since people like to live and visit in a clean and well kept environment. A person can have their carpets professionally cleaned or use a carpet cleaning device to accomplish this task.
Carpet cleaning can be a very tedious and laborious job. This is the reason that most people like to hire professional cleaning services to do the job. But if you decide to do it yourself then you need to follow the these steps to make your carpets look fluffy and brand new.
Here are the steps to deep clean your carpet:
1. Remove stains:
The first thing that you should do is to check the entire carpet carefully for stains. If you find one, spray stain removing formula directly on the area and leave it for a day or two. Or just follow the directions on the can until the stain is gone, whichever works better for you.
2. Vacuum:
Now you can use a vacuum cleaner to remove all the dust and dirt that might be deep in the carpet. This will take longer with your trusty, dusty Dirt Devil than a steam cleaning company with their professional equipment but keep at it until it is clean enough to eat off of. But don't actually eat off of the carpet or you will have to start over at step one.
3. Get a good cleaning agent:
No, not an agent like a "secret aaaagent mannnn" but a carpet cleaning chemical. Regular Spot Shot probably won't do the job as well as the cleaning solutions that the professionals use but your home improvement store should have some commercial cleaners that will work well.
4. Dry it for more than a week:
Using cleaning solutions is important but don't overdo it. If you use too much, the carpets will take longer to dry. Before you go putting the furniture and rugs back, make sure that the area is completely dry. Otherwise, mold can grow and your new, clean carpets will start to smell. You may want to roll around on it for a bit and then check to see if your clothes are wet. You should shower immediately after since these chemicals are likely harmful to humans. But not carpets.
5. Check the carpet:
Finally, when your carpet is completed dried up, do a thorough check for any remaining stains or dingy areas. Rinse and repeat in these spots. If especially stubborn, buy new carpet. Or a new house. Or you can hire a professional service. The latter is probably your best option.
If you feel that all these steps are just too much work, then it might be better to hire a carpet cleaning company. These professionals can be done in a day and do a much better job than you. Unless you have a truck mounted, high suction carpet cleaner in the garage. If that is the case, have you ever thought about starting a carpet cleaning business?
Not all businesses operate with the customer's best interest at heart. Carpet cleaning businesses are no different. When you hire a carpet cleaning company to come into your home to clean your carpets and area rugs, you will want to do your homework to make sure you are getting great service and in the end, clean carpets. A company like RC carpet cleaners is one you should use.
If you are in the market for some carpet cleaning, here are 7 things to avoid with carpet cleaning businesses.
Most carpet cleaning businesses will give you a lot of song-and-dance about the equipment they own and will use to clean your carpets. As impressive as it may sound, be sure you ask to see the company's and the technician's IICRC certification. This will tell you if the company and technician have been certified and retain their Inspection, Cleaning and Restoration Certification, which is needed for proof they are well trained in their business.
Specials and deals are always nice. Everyone wants to save money but when you hear about unheard of or unbelievable prices for carpet cleaning, it's probably too good to be true. This is a tactic used to get their foot in the door and puts you at risk for shotty carpet cleaning services. Low prices are not reasonable when you think of all the fees and overhead companies have to pay; from licensing, equipment, pay roll and more. Be wary of lowball cleaning fees and remember: you get what you pay for.
Unless you are already very familiar with a company and their practices, it's never a good idea to set-up a cleaning service by one phone call. Have the company technician meet you to do a pre-date inspection of what you want done. Get a written estimate and set your cleaning date. A single phone call with an estimate leaves room for the tech to escalate your fee when he shows up. These are common bait and switch deals that can be avoided.
What if you aren't happy with the job when he's done cleaning? Do you have a money back guarantee or any other recourse? Never hire a company who does not offer a money back guarantee because this means the company does not stand behind the performance of their technicians or their quality of work.
References from others are used for any type of business and it's a great way to see what others think about the company, their performance, as well as bits of praise or warnings. Ask for five references from the company as well as do your research online and check with the BBB for any complaints against the company. You can also check with http://sydney.edu.au/news/83.html
The best equipment:
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Knowing ahead of time what your carpet manufacturer says is the best means of steam cleaning it would be, then be sure to ask your company if they can comply. If they try to tell you those practices aren't performed anymore or they say they cannot oblige, look for a company that will. Who better to know their own product than the manufacturer of your carpet?


text:
Library Closed for Labor Day
The Library will be closed all day September 5 for Labor Day. It will re-open September 6 at 9 am.
The Library will be closed all day September 5 for Labor Day. It will re-open September 6 at 9 am.
58 North State Street // Phone: 801.229.7050
Hours: M-F 9am-9pm, Sat 9am-6pm
The Orem Library is open Monday through Friday 9am until 9pm and on Saturdays from 9am until 6pm. We are closed Sundays and Holidays. Click here for a list of observed holidays.
If you need to return books outside of these hours, a 24-hour drive through book and media drop is located on the North side of the Library.
Best Answer: comes generic so may come in several sizes and colors. There is however no such thing as a mg; it is 0.5 mg; largest size is 2 Addiction comes from, a benzo used to treat anxiety and panic disorders. Addiction can occur because they are commonly prescribed and can be habit (Contraindications for xanax) drug information product resources from MPR including dosage information, educational materials, patient assistance. We are located at 58 North State Street in Orem, Utah at the north end of the City Center Complex (on the northeast corner of State and Center Streets). Parking is to the east of the library building and is accessed from 100 North. If you need assistance please call 229-7050.


text:
Sing We at Pleasure
To play the media you will need to update yourFlash plugin.
Choral (SSA A Cappella)
Composed by Thomas Weelkes (1576-1623). Arranged by Russell L. Robinson. Shawnee Press. Shawnee Press #B0616. Published by Shawnee Press (HL.35020415).
Item Number: HL.35020415
6.75x10.5 inches.
This arrangement has kept all of the excitement of the original Weelkes madrigal, but has been adapted for SSA women's chorus. The soprano parts are often answering each other, and the alto part is rich and resounding. "Sing We at Pleasure" is wonderful for concert, contest, or festival.


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Catching Real Estate Problems
3 Tips When You're The Executor Of Your Parent's Estate
Being the executor of your parent's estate is a huge responsibility, especially since managing the logistics of the estate often happens when you are also coping with grief from the loss of your parent. Just keep in mind that your parent trusted you to manage their estate with integrity and responsibility because they knew you could do it. Here are three tips to get you started: Hire a Probate Attorney You may think that managing your parent's estate is as simple as paying creditors and then distributing the remaining money to beneficiaries, but estate law is actually much more complicated than that. A probate attorney knows the exact order and timelines to adhere to when filing documents and completing steps of the probate process. They offer you protection from unscrupulous creditors or aggressive relatives and help you avoid tax penalties, handling all the tricky aspects of your parent's estate for you from start to finish. Get Several Copies of the Death Certificate As the executor of your parent's estate, you (or your probate attorney) will need to send original copies of your parent's death certificate to many interested parties. This can include credit card companies, the Social Security Association if your parent was receiving social security benefits, your parent's cell phone and cable companies in order to close their accounts, and their life insurance company if they had a policy. It's best to make a list of everyone who may need their own copy, and then add a few extra to that number when requesting the death certificates from your parent's doctor or the coroner. Avoid Interpersonal Conflicts with Beneficiaries No matter how close you are with your siblings, nieces and nephews, and other beneficiaries of the estate, money tends to drive a wedge between people. During a time of grief when emotions are heightened, misunderstandings about how the estate is being settled can easily turn into huge conflicts and feuds. This is another benefit of hiring a probate attorney- instead of being dragged into emotional arguments, you can stay neutral and simply direct your family members to send questions to your lawyer. If you've been assigned as the executor of your parent's estate, following these tips can help eliminate a great deal of stress from the process. To get started, ask for a consultation with a qualified probate attorney, like one from Leon J Teichner & Associates, P.C., as soon as you learn you are the executor of the...read more
Three Reasons Your Home Closing Can Be Delayed- And What You Can Do About It
After viewing multiple homes, you have found the home that is perfect for you. Once the seller accepts your offer on the home, you still have to close on the property. Unfortunately, home closings can be delayed, causing you to have to wait even longer to move into your new home. It is important to understand why home closings are delayed and what you can do about it. 1. The home appraisal is too low. If the home does not appraise for the amount required by your mortgage company, you may be unable to secure your financing. The first step to take is to make sure the appraisal is valid. Appraisers make mistakes; if your realtor thinks the appraisal sounds inappropriately low, check to make sure that it includes all recent comps (comparable homes that have sold). If it looks like the appraisal is valid, the deal is not lost, as there are still a couple options. The first option is for the seller to lower the price of the home; he or she is going to have a difficult time selling a home for more than its appraisal value. Another alternative is for you to make a larger down payment on the property. This reduces the amount the bank needs to lend so that the mortgage can be approved. 2. The home inspection reveals problems with the home. As a buyer, it is essential that you have the home inspected. Some mortgage financing options, such as the FHA mortgage, even require an inspection. Once you have an accurate idea about the condition of a home, you can negotiate with the seller to make some of the repairs or give an allowance for you to complete the repairs. If the seller does not want to complete the repairs, consider the overall value and age of the home. Determine whether the repair is a sign of a larger problem with the home or if it is simply routine maintenance. For example, an asphalt roof needs to be replaced every 20 years. It may be worth it to go ahead and pay for the roof yourself if you believe the home is otherwise a terrific value. 3. The documents for the home closing are delayed. A number of reasons, such as financing problems, title issues, or one of the entities involved in the deal falling behind on their work, can delay the closing documents. To prevent documents from being delayed, be honest when applying for the mortgage and promptly provide all requested documentation. If closing is delayed, make sure the party delaying the closing now has what it needs. In cases where the delay interferes with the buyer or seller's schedule, the buyer or seller may be able to have a power of attorney sign the closing documents. Sellers and buyers should check with the title company and lender to make sure all regulations are followed when using a power of attorney to close the transaction. Though it feels like a delay in closing on your home is the worst experience in the world, you can take solace in knowing that you have the knowledge to handle unexpected delays. Contact a real estate attorney like Byron Huffman, PC for more...read more
FAQs About The Title Commitment
During the process of buying a home, there are many documents that you will need to review with your real estate attorney. Among those documents is the title commitment. If you fail to properly review it, you could be in for surprises later. If you are in the process of purchasing a home, here is what you need to know about the title commitment. What Is the Title Commitment? The title commitment is the document detailing the title's company commitment to issuing an insurance policy for your home after closing is completed. All of the terms in your insurance policy should be included in the commitment. The insurance provided by the title company helps to provide you with protection for your property if there is an issue that arises that causes problems with your title. This insurance is not designed to take the place of any other type of insurance your lender expects you to purchase. What Are You Looking For? When reviewing your title commitment, it is important that you pay close attention to what is and is not covered. You also need to be aware of exceptions to your coverage. Exceptions can create problems for you later. For instance, if you receive notice that your neighbor has an ongoing easement that allows him or her to store building materials in your yard, any damage caused by it might not be covered by the insurance policy. As a result, you could be out-of-pocket for the damages. Worse yet, you could foot the legal bills associated with fighting the neighbor's ability to store items in your yard. Exceptions can also fail to cover changes that you are required to make according to local codes or by your homeowners association. For instance, if you are required to remove a structure in your yard due to code violations, you would have to pay the bill if there is an exception in place. What Can You Do? If you review the title commitment and find it to be unacceptable, you and your attorney can take steps to resolve issues that could come up later. Using the previous example, your attorney could negotiate with the current owner of the home to have the structure removed before you take ownership of the home. Work with a real estate attorney, like Levin & Levin, LLP – Attorneys at Law, to carefully review your title commitment and other documents before closing on your home. He or she can ensure that you are being treated fairly in the process and that you are avoiding future possible...read more
How To Enlist Your Neighbor's Help When Selling A Home
Putting a house up for sale is never an easy decision. You may have some conflicting emotions about doing so, especially if you have gotten to like your neighbors. However, when it's time to move on and sell your property, the good news is that your neighbors can be your greatest allies in the process of selling you home. Here are a few of the ways that you can enlist the help of a neighbor. Write a Letter When you commit to selling your home, you should let the neighbors know. If you are good friends with some of your neighbors, talk to them in person about the decision. Then your next course of action should be to write a letter that's addressed to all your neighbors. It should be specifically about your decision to move. In this letter, you should thank them and let them know that you will miss the friendships among the neighbors. You should also let them know that they are welcome to spread the word to friends and family members that you will be moving in case they know people who are looking to move into the neighborhood. Think of it this way. Everyone wants to live by people they love. Neighbors are likely to spread the word to people they want to buy the house. This is a marketing method that certainly utilizes more of a soft sell technique. It can nevertheless be extremely helpful, as it can bring potential sellers to look at your house before it's even on the market. Be Selective with Asking for Favors While you are selling your home, you may end up needing to ask for several favors from neighbors. That's totally understandable. However, you should try to avoid relying on neighbors for too many things. If there are glaring things on display in a neighbor's yard, tactfully ask for the items to be removed. You should approach this delicate task in a friendly way and offer a helping hand with its removal. Technically, unless there are neighborhood ordinances against a certain type of thing, the neighbor is likely not obligated to remove anything from the yard. Finally, when you are going to sell your home, be sure to consult both a realtor and a real estate attorney. The realtor will offer insights into the local market and be able to provide you with invaluable services to connect you with potential buyers. Your real estate attorney will be the one who looks out for your best interests and should be relied on for help in making tough decisions along the way. With the help of your neighbor as well as these two real estate professionals, you will set yourself up for certain success in your quest to sell your home…and get top dollar for...read more
Buying a Home? Two Reasons Why You Should Consult a Real Estate Lawyer
Buying a house is a very exciting time. You're likely thinking of how you'll decorate your new abode with all of the little touches that transform it into a home. However, in all of the excitement, it's important to understand that there are a number of legalities that also must be dealt with. That's why it's so important to work with a real estate lawyer during the home buying process. Real Estate Lawyers Ensure a Clean Title One of the most compelling reasons why you need the assistance of a real estate attorney is because they can help make sure that there aren't any liens against the title of the home that you are thinking of buying. This is vital, since you don't want to be on the hook for unpaid fees that you had nothing to do with. There are a number of reasons why there could be liens against the title of a home. For example, contractors and other specialists who have completed work on the home may have gone unpaid, leaving them with no other choice but to place a lien against the house. If you purchase the habitation without knowing that there are outstanding balances, you assume responsibility for them. A real estate attorney will launch a full investigation on the property to make sure that it is free and clear of liens. If a lien does turn up, your lawyer can work with the individual behind the lien to come up with arrangements for payment. You get to walk into your new house with peace of mind, knowing that someone else won't be able to come in and take what you have worked so hard for. Real Estate Attorneys Appeal Property Tax Assessments Another reason why it is so valuable to have a real estate attorney on your side is because they can help appeal property tax assessments. If you receive a property tax bill that is exponentially higher than the ones that you received in the past, you need to understand that you have options. Don't blindly pay a bill that you have no explanation for; have a real estate lawyer appeal the assessment so that you can possibly receive a lower bill. Getting professional advice from a real estate lawyer is the perfect way for you to protect your investment. Contact a real estate attorney, such as Steve Butcher Sr., to discuss any of your questions and...read more


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Weddings are special occasions; our expert bridal videographers from M C Kingsley Photography are here to offer you the best videography services to residents of Williamson.


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Is this location a solemn or serious place like a memorial, cemetary, etc.?
Is this attraction good for couples?
Is this attraction suitable for all ages?
Is this attraction pet friendly?
Would this be a good sunny day activity?
Would this be a good hot day activity?
Would this be a good cold day activity?
Is this an outdoor attraction or activity?
Does this attraction involve animals?
Does this activity require advanced planning, ticketing or reservations?
Thanks for helping!
One of the town's premier language schools.
Took one week out of a four week course to brush up on some Spanish. The teachers were all knowledgeable, helpful and flexible.
I have attended this school several times from 2 to 4 weeks each. The instructors are very experienced in teaching Mexican spanish to learners at any level and in proper grammar rather than "usage to get by on the street" only. Expect intense, and entertaining, teaching and nightly "homework". Class size is kept to a minimum which allows plenty of...
I attended four weeks of Spanish language classes In November-December 2016. It was my first experience with such an intensive program. However, I'm ready to sign up again next year. The schedule was well organized with a good balance between grammar and conversation. I spent about 35-40 hours a week in class and doing homework. I knew I was making...
The classes at this school are geared towards getting you to habla español.use So many of us study and don´t use the knowledge we have in our conversation. This school is not bound by a specific credit program so can really individualize your lessons. The classes are small and individual tutoring is available. An 1 1/2 intensive with your teacher...
I attended classes at the intermediate level for two weeks. I followed up with a one hour 1:1 tutorial twice a week. I found the tutorial very supportive and encouraging.
I just finished my first of four weeks in this school and wanted to write a review because I think they deserve all the good press they can get. The teachers at this school are excellent. They are at university level caliber and the best that I have had while taking classes in Guatemala, Bogota and now Mexico. I am...
The courses are designed to begin each four week session at the beginning of every month. I came one week into a month and therefore missed the beginning of my intermediate level class. The design of the classes, the book and the ambiance was excellent. Over the three weeks I studied there (four hours every day except weekends) i learned...
I love Habla Hispaña. I have studied at language schools in Mexico City, Veracruz, Yucatán, New Orleans, Dominican Republic and more - this is the best one I've come across. They offer intense immersion style classes (4 hours per day) which include a grammar lesson, conversation practice, reading/vocabulary session and more. I loved this place so much that, after trying...
The teachers here are great. There is a series of curriculum books, but they were not followed very closely. The technology here is bad. No computers/printers for the students to use and the WiFi works only (and poorly) in the main office area.The location is about a 10-minute walk from the center of town. The home stay where I was...
Let's see, how shall I begin? San Miguel is great! (which you can read about, I don't know…everywhere!) I was doing a thorough search to figure out in what Latin American country I should enroll in Spanish classes; and stumbled across what I considered a pretty good deal at Habla Hispana in San Miguel de Allende. I knew I wanted...
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As posted by www.zunerama.com, Microsoft is planning to release the next Firmware for the Zune Device.
"Tomorrow morning, Microsoft will release Zune 2.5 – a spring update to Zune software, player firmware, and Zune Marketplace."
Here is a link to the Story, Link
Also here is a link to an overview of the Zune 2.5 Software Update.
Technorati Tags: Zune
Cross Post from www.virtualrealm.com.au


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Take part in unique learn-by-living experiences
YMCA Outdoor Education lets you learn by investigating, exploring, observing and experimenting. Discover the wonders of our natural environment by being a part of it.
Program Highlights
- Choose from a wide range of curriculum-based programs year-round for grades three and up
- Customize a unique learning experience with our expert staff to complement your student's classroom learning
- Guided activities for students to discover local animals, ecosystems, shelters, aboriginal culture, or orienteering
- YMCA Cedar Glen Outdoor Centre offers experiential workshops for Specialist High Skills Major (SHSM) students. Students can work towards completing the certification component of their SHSM program through our workshops on:
- Leadership
- Effective Communication
- Customer Service
- Hospitality
- Conflict Resolution
- Group Dynamics
- Leave No Trace Camping
- Map and Compass
- Work with one of our certified teachers on staff to plan your day or overnight SHSM workshop trip. In addition to an in-class session, our SHSM workshops can include group initiatives; the low ropes courses and our team challenge maze.
- In school programming: Let our team come to you and your students. With portable initiatives, educational activities and team building exercises we can bring our programs to your school.
- A strong focus on asset development, effective communication skills and developing strong teamwork amongst individuals
- Individualized programs tailored to each group's needs; these can target specific attributes such as communication skills, problem solving, leadership, teamwork and trust
- Staff facilitate a variety of tasks encouraging large or small groups to work together, communicate and build interpersonal trust
- Initiatives occur indoors or outdoors, and are individually moulded to target the needs of each visiting group
- Participants of all ages gain the opportunity to develop an awareness of the world around them and the confidence to be comfortable in nature.
- Program options include:
- Map and compass orienteering;
- Shelter and fire building;
- Outdoor survival skills;
- Tree identification and animal tracking;
- Eco-caching, nature hikes, pond study, archery, natural arts;
- Canoeing and kayaking (Pine Crest only), mountain biking (Cedar Glen only), astronomy, and more
- Canoe trips can be one of the most transformative experiences a group will have together and a great way to promote teamwork and good communication
- Programs are designed specific for your group and all the gear, food and instruction for your trip are provided by our team at Pine Crest
- Learning about canoe trips and packing prior to departure
- Both Pine Crest and Cedar Glen are beautiful sites to host your group's retreat or conference. We work with religious and spiritual groups, youth groups and specialty/educational conferences.
- Click here to learn more about out conference and retreat facilities.
Outdoor Centre Inquiry Form
Additional information
For additional information regarding Pine Crest, please call 1-877-878-9622 or 705-762-3377 or email firstname.lastname@example.com.
For additional information regarding Cedar Glen, please call 905-859-9622 or email firstname.lastname@example.com.
For additional information regarding Toronto Island, please call 905-859-9622 ext. 225 or email email@example.com.


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Immigration policy after Brexit: what next?
Although public opinion polling found a large majority endorsing a reduction in immigration, a more detailed survey indicates that attitudes are more nuanced. These findings, based on research conducted by ICM, are now presented in a policy report from the think tank British Future.


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Letter threatens Mumbai synagogues over Gaza conflict
Mumbai city police received a letter threatening to bomb Jewish sites in the city in retaliation for Israel's operation in Gaza. More ▸
Mumbai city police received a letter threatening to bomb Jewish sites in the city in retaliation for Israel's operation in Gaza. More ▸
A Houston man pleaded guilty to calling in bomb threats to two city synagogues. More ▸
A federal grand jury indicted a Houston man for calling in bomb threats to two Houston synagogues, a municipal courthouse and a private business. More ▸
The overwhelming majority of money donated to Jewish organizations by American Jewish households comes from those affiliated with synagogues, even though they constitute a minority of the adult Jewish population, a new report shows. More ▸
The government of Lithuania asked Israeli President Shimon Peres to head the international advisory board for the restoration of the Vilnius Great Synagogue. More ▸
An Algerian immigrant who admitted to planning to blow up synagogues in New York City was sentenced to 10 years in prison. More ▸
The fight over whether synagogues damaged by superstorm Sandy should be eligible for government funding hinges on whether they provide services to the general public. Some Jewish groups have taken uncharacteristic positions on the FEMA aid. More ▸
Jewish organizations are split on whether federal emergency funds should be used to salvage houses of worship. More ▸
Two Jewish organizational leaders asked Montenegro's president to help the Balkan country's small Jewish community build a synagogue. More ▸
How do you open up a synagogue to the public while ensuring terrorists don't use the opportunity to do reconnaissance? More ▸
Also From 70 Faces Media
Teen Reveals Years of Bullying by Classmates Who Raped Her in Devastating Suicide Note
This 13-Year-Old Girl Turned Hillary Clinton's Concession Speech Into Powerful Song
Trump Health Pick Doesn't Think Maternity Coverage Is Something All Moms Want
American Girl Is Releasing Korean & Hawaiian Dolls, A Win for Inclusion


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May Prepay Trend Surprises Analysts
Overall prepayment rates for mortgage-backed securities dropped 18.0% in May from a constant prepayment rate of 15.9 CPR to 13.1 CPR, defying analysts' expectations, according to Credit Suisse.
Writing in the "May 2008 Fixed Rate Prepayment Commentary," Credit Suisse researchers Mahesh Swaminathan and Chandrajit Bhattacharya reported that the results ran contrary to a consensus among analysts that speeds would be little changed.
"An anticipated boost from front-loading of June closings to avoid delivery fee increases did not materialize," the analysts said.
The speeds of 30-year 2006 and 2007 5.5%-6.5% coupons slowed 3-5 CPR, representing a 30% drop for 5.5s and 6.0s and a 23% decline for 6.5s, they reported.
The Credit Suisse analysts also reported that the estimated net issuance of fixed-rate MBS climbed from $48.5 billion in April to $67.4 billion in May, an increase of 39%.
The estimated net issuance of 30-year Fannie Mae and Freddie Mac MBS rose from $48 billion to $67 billion, while estimated issuance of 30-year Ginnie Mae securities grew from $11.7 billion to $14.5 billion, they said.
The analysts commented that the report "clearly highlights increased extension risk" and projected that if the response continues, "Servicers may further slow their models, potentially resulting in diminished duration buying in rallies and more duration shedding in sell-offs."
The Credit Suisse analysts projected that prepayments would decline further in June, with recent-vintage premium coupons falling 10%-12%.
In other prepayment-related news, Barclays Capital recently examined the tiering in regional speeds and concluded that "there is now a dramatic divergence in regional [home price appreciation] and, consequently, a shift in prevailing prepayment trends."
The Barclays analysts reported in the June 9 issue of Mortgage Market Outlook that California, Florida, Arizona, and Nevada have been hurt the most by the housing crunch.
"Previously, these states had elevated home sales and refinancing activity and, thus, faster speeds than the rest of the nation," they said. "Now, both turnover and refinancing activity have fallen to levels well below the national average."
Meanwhile, Texas, Utah, North Carolina, and Oregon are experiencing better housing conditions than those reflected in the national average, and therefore their prepayments are rising in relative terms, the analysts reported.
They advised investors to capitalize on these trends by buying MBS composed of loans from California, Florida, Arizona, and Nevada, predicting that the relative call protection of such securities will continue to improve.
"The decline in housing has fundamentally altered turnover and the ability to refinance, but this change has happened on an unequal basis across states," the Barclays analysts said. "As a result, prepayment trends have changed (and in many cases reversed) across states. Understanding these changes will drive relative value in the MBS market of the future." (c) 2008 Mortgage Servicing News and SourceMedia, Inc. All Rights Reserved. http://www.mortgageservicingnews.com/ http://www.sourcemedia.com/


text: Like.com Visual Search Matches Shoes, Bags and DressesJackson West11/06/08 6:45pmFiled to: ShoppingClothingLike.comSaving MoneySearchSearch enginesImage searchConsumerist14EditPromoteShare to KinjaToggle Conversation toolsGo to permalink If you're looking for a pair of shoes that will exactly match the color of a favorite handbag, or love a designer's style and want something similar but cheaper, check out Like.com's Likethis visual search tool. It will help you find women's handbags, shoes and dresses based on a photo you upload, and will match by style, color or pattern, with the results sent in a few minutes via email. I ran a quick search on a beautiful pair of men's dress shoes from Prada, and it found strikingly similar choices from Jos A. Bank, Cole Haan, and Sherman Brothers — all of which were priced $600 less than the designer Italian kicks. You can even upload photos from your iPhone, making it easy to see if you can't find something similar for less money while window shopping. For other products, the "visual search" button did a pretty good job of turning up related results for other products like men's suits already in the Like.com catalog.Thanks, David! Advertisement Like.comReply14 repliesLeave a reply


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Locating the spot where Lincoln dedicated the cemetery.
Please show me on a map the exact spot where Lincoln gave his renowned Address, dedicating the cemetery.
Tour Suggestions?
I'm planning a trip to Gettysburg and I would like to know if there are specific tours or tour guides that are highly recommended. Thanks EM!
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The Pressure to Pray
RE: The Pressure to Pray
(30-08-2013 08:44 PM)southernbelle Wrote: I'm getting a minimum of three Bible quotes per day sent via text.
Maybe tell a truth that isn't really your main motivation. Like, maybe, "I need to cut down on my texting because of my service plan, can you take me off that list?" If you're on an unlimited plan, change it first... you or your folks might save some money in the process.
I'm against lying. I'm not against adjusting situations so that the truth becomes more convenient.
I AM he who is called... cat furniture.
RE: The Pressure to Pray
(30-08-2013 09:04 PM)southernbelle Wrote:Wait what! That's got to be illegal!(30-08-2013 08:47 PM)BrokenQuill92 Wrote: Are you at public school?
RE: The Pressure to Pray
(30-08-2013 09:20 PM)BrokenQuill92 Wrote:(30-08-2013 09:04 PM)southernbelle Wrote: Yes. I find it weird that the school is allowed to open every football game with a prayer, open and close graduation with one, and have youth directors from churches to come in and pass out pamphlets during lunch considering it's a public school. Then again there's also a "In God We Trust" sign in every single classroom in the state.Wait what! That's got to be illegal!
The "In God We Trust" thing is state law as of 2001. Every teacher is required to hang that sign somewhere in their classroom regardless of their religious beliefs. And the whole prayer thing probably is illegal but because we live in such a heavily conservative place, it goes unnoticed. I guess the argument would be that because it's a student leading the prayer that it's not illegal even if lead over the speaker system. The whole youth director coming in thing might be argued as being okay because they technically aren't advertising God and believing in God but rather an optional non-school affiliated worship service thing. I don't know. It's been going on since middle school and that's always been the best explanation I could come up with.
RE: The Pressure to Pray
(30-08-2013 09:32 PM)southernbelle Wrote:Your school sounds almost as bad as Oakland High my junior and senior year. I'm still stuck in this rinky-dink hick town. You're taking it better than I would have, I'd call the governors office not even bothering with the school board, and start going lawyer town on their bumpkin behinds. But I'm a bit of a daddy's princess and expect to get my way 120% of the time.(30-08-2013 09:20 PM)BrokenQuill92 Wrote: Wait what! That's got to be illegal!
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morondog (31-08-2013)
RE: The Pressure to Pray
(30-08-2013 09:53 PM)BrokenQuill92 Wrote: Your school sounds almost as bad as Oakland High my junior and senior year. I'm still stuck in this rinky-dink hick town. You're taking it better than I would have, I'd call the governors office not even bothering with the school board, and start going lawyer town on their bumpkin behinds. But I'm a bit of a daddy's princess and expect to get my way 120% of the time.
Part of it has to do with the fact that no one knows I'm an atheist. And getting the school in trouble for school-wide prayer isn't exactly the way I'd like to let people figure out my lack of beliefs. And even if people did know about my atheism, protesting school prayer would be a fantastic way of getting those around me to have a more negative opinion of atheists than they already do. While I think eventually it's something that should be stopped (or at least replaced with a moment of silence of maybe a meditation of sorts that could be applied to the faithful and the faithless), now isn't the best time for it. Plus I still need college recommendations.
RE: The Pressure to Pray
Mind over matter.
For me becoming an atheist, prayer is one of the things that never really bothered me. You know where you are and what you're dealing with. Prayer is the art of the ignorant, but it's a trivial, mindless ritual that doesn't really effect anything.
Let them pray, bow your head, then go on with your life. You know how pointless it is, and you know how important it is to those you are surrounded by. So let it be. The prayer group thing sounds annoying as hell, but you can get around it. Make something up. Tell them that prayer is more personal to you and you'd like to keep it that way. There is scripture to back it up.
Matt. 6:6 But when you pray, go into your room, close the door and pray to your Father, who is unseen. Then your Father, who sees what is done in secret, will reward you.
But now I have come to believe that the whole world is an enigma, a harmless enigma that is made terrible by our own mad attempt to interpret it as though it had an underlying truth.
~ Umberto Eco
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southernbelle (31-08-2013)
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Bring the modern yet casual design of the Chelsey collection to your home. Achieving a balance of line and form, it will look great in any home. This sofa, love seat (not shown), chair and ottoman features exposed wood legs and track arms. These pieces feature extra luxurious sink-in comfort with feather soft cushions for ultimate comfort. This collection will become the perfect backdrop for rich textures, vivid colors and intricate patterns.
Browse other items in the Chelsey collection from Becker Furniture World in the Twin Cities, Minneapolis, St. Paul, Minnesota area.
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Willards Real Estate
Willards is located in Maryland. Willards, Maryland 21874 has a population of 896. Willards 21874 is more family-centric than the surrounding county with 30.92% of the households containing married families with children. The county average for households married with children is 29.3%.
The median household income in Willards, Maryland 21874 is $47,303. The median household income for the surrounding county is $50,639 compared to the national median of $53,046. The median age of people living in Willards 21874 is 34.2 years.
Willards Weather
The average high temperature in July is 87 degrees, with an average low temperature in January of 26.6 degrees. The average rainfall is approximately 45.7 inches per year, with 11.4 inches of snow per year. No weather information available.
Willards Map
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1920s Art Deco 0.76 cttw Diamond & Platinum Filigree Cocktail Ring
Beautifully handcrafted and simply elegant, this opulent Art Deco cocktail ring is a wonderful reminder of the more lavish times of the 1920s.
Hand cast and assembled in solid platinum, this gorgeous ring setting features intricate filigree work with stunning milgrain detailing throughout. It has a feminine, slightly domed shape that compliments the curve of the finger and makes it comfortable to wear.
The center of the ring features two 0.20 carat Old European cut diamonds (for a total weight of 0.40 carats) in color G-H and with a clarity of SI-1 & 2. These bead-set diamonds are brilliant and have a lot of fire, which is customary for the Old European cut.
Surrounding the two central stones are 24 round, single-cut diamonds each weighing 0.015 carats (for a total weight of 0.36 carats). These diamonds have a color grade of G-H with a clarity of VS-SI.
Ring comes with the original appraisal documents from Commonwealth Gemological Laboratory, well-known specialists in the field.
Size: 6 3/4
Labels/Markings: Ring is engraved with the initials D.M.F.
Condition: Good
Shank is slightly misshapen and thin from wear. Still wearable as is. Priced accordingly.


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The role of the human immune monitoring core (HIMC, Core C) will be to (1) provide standardized, state-ofthe art Immune monitoring assays at the RNA, protein, and cellular level, to support research projects within the U19;(2) to test and develop new technologies for immune monitoring that may be useful In the context of the U19;and (3) to efficiently archive, report, and mine data from immune monitoring studies, so as to increase the value of the data and to assist In biomarker discovery.
Specific Aim 1 : Standardized, state-of-the-art immune monitoring assays. The HIMC has validated a set of Immune monitoring assays that will be available to U19 research projects. These include genome-wide RNA microarrays, multiplex Luminex cytokine assays, immunophenotyping, phosphoepitope flow cytometry, CFSE dye dilution assays for proliferation, and intracellular cytokine staining. An ELISPOT reader is also available for readout of ELISPOT assays.
Specific Aim 2 : New technology for immune monitoring. The HIMC is evaluating multiple new platforms with potential for immune monitoring, including: isoelectric focusing analysis of phosphoproteins (CellBiosciences);chemiluminescent cytokine detection (MesoScale Discovery);biomolecular interaction analysis (ForteBlo);multiplexed tetramer analysis;flow cytometry with time-of-flight mass spectrometry (CyTof);qPCR arrays on sorted cell populations (Fluidigm Blomark);and specialized microarrays for Immunologically relevant genes and for pathogen detection (Agilent).
Specific Aim 3 : Databaslng. The HIMC is Implementing the use of collaborative online databases for flow cytometry, Luminex, and microarray data, and is also evaluating data aggregation and mining programs such as Tibco Spotfire.
The use of standardized assays and data management will facilitate mining across studies and greatly Increase the value of the data for discovery of new biomarkers of vaccine efficacy and disease protection. New technology developed may create opportunities to discover such biomarkers In ways not possible before.
|Qi, Qian; Liu, Yi; Cheng, Yong et al. (2014) Diversity and clonal selection in the human T-cell repertoire. Proc Natl Acad Sci U S A 111:13139-44
|Chang, Serena; Kohrt, Holbrook; Maecker, Holden T (2014) Monitoring the immune competence of cancer patients to predict outcome. Cancer Immunol Immunother 63:713-9
|Qi, Qian; Zhang, David W; Weyand, Cornelia M et al. (2014) Mechanisms shaping the naïve T cell repertoire in the elderly - thymic involution or peripheral homeostatic proliferation? Exp Gerontol 54:71-4
|Shekhar, Karthik; Brodin, Petter; Davis, Mark M et al. (2014) Automatic Classification of Cellular Expression by Nonlinear Stochastic Embedding (ACCENSE). Proc Natl Acad Sci U S A 111:202-7
|Jackson, Katherine J L; Liu, Yi; Roskin, Krishna M et al. (2014) Human responses to influenza vaccination show seroconversion signatures and convergent antibody rearrangements. Cell Host Microbe 16:105-14
|Lu, Yuan; Welsh, John P; Swartz, James R (2014) Production and stabilization of the trimeric influenza hemagglutinin stem domain for potentially broadly protective influenza vaccines. Proc Natl Acad Sci U S A 111:125-30
|Wang, Chen; Liu, Yi; Xu, Lan T et al. (2014) Effects of aging, cytomegalovirus infection, and EBV infection on human B cell repertoires. J Immunol 192:603-11
|O'Gorman, William E; Huang, Huang; Wei, Yu-Ling et al. (2014) The Split Virus Influenza Vaccine rapidly activates immune cells through Fc? receptors. Vaccine 32:5989-97
|Rosenberg-Hasson, Yael; Hansmann, Leo; Liedtke, Michaela et al. (2014) Effects of serum and plasma matrices on multiplex immunoassays. Immunol Res 58:224-33
|Kay, Alexander W; Fukuyama, Julia; Aziz, Natali et al. (2014) Enhanced natural killer-cell and T-cell responses to influenza A virus during pregnancy. Proc Natl Acad Sci U S A 111:14506-11
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