text:
If you are interested in posting a housing-related event or announcement on our website, please contact us.
Please click here if you are interested in Housing Jobs.
Notice of Funds Available under the Essential Single-Family Rehabilitation Loan Pool – Disaster Recovery
The North Carolina Housing Finance Agency (the Agency) proposes to make a total of fifteen million dollars available to eligible organizations for the rehabilitation of owner-occupied homes in disaster-affected counties under the Essential Single-Family Rehabilitation Loan Pool – Disaster Recovery (ESFRLP-DR). In the first round of the ESFRLP-DR, funds will be made available to serve homeowners in five of the most affected counties: Cumberland, Edgecombe, Lenoir, Robeson, and Wayne. The Agency may include assisting single-family (1-4 units) rental units later with this funding pool.
Application forms and guidelines will be available on the Agency's website after December 30, 2016. Completed applications will be received on an ongoing basis.
2017 Housing Credit Preliminary Applications
NCHFA received 195 preliminary applications in 64 counties for the 2017 Housing Credit cycle.
Click on the following link to view the list of submitted applications: 2017 Preliminary Applications.
Applicants have until 5pm Monday (January 23) to withdraw their application and have the $5,720 fee returned. To do so, the Applicant must reply to this email indicating their desire to withdraw an application. NCHFA cannot provide any assistance in making this decision.
In Partnership with the University of North Carolina, Wilmington, the Cape Fear Housing Coalition announces the Results of our Community Housing Affordability Survey
(August 25, 2016 - Wilmington, N.C.) The Cape Fear Housing Coalition (CFHC) has been working to strengthen the economic condition of the Cape Fear Region by increasing access and awareness to affordable, safe and healthy housing! Continuing this tradition, the CFHC, in partnership with the University of North Carolina, Wilmington, (UNCW) conducted a Community Housing Affordability Survey this past Spring and are pleased to announce the Results & Final Report.
Goals of the Housing Affordability Survey
• Develop an understanding of community members' perceptions and attitudes regarding housing affordability
• Identify supported solutions to increase access to affordable housing in New Hanover County
• Increase knowledge among City of Wilmington & New Hanover County leaders regarding the issue of affordable housing.
Results: Some Key Findings in the Final Report
• Almost all respondents (92%) reported that affordable housing was an issue within New Hanover County and a large percentage of study respondents reported that they would support various affordable housing initiatives (i.e., building incentives, cost-effective construction techniques, governmental subsidies, etc.).
• There were mixed opinions regarding the impact affordable housing in the community, such as property values, attractiveness of community, crime, and community character.
• A large percentage of respondents asserted that affordable housing would have a positive impact on the economy, but come with a price of increased traffic.
• Respondents generally endorsed the idea that finding quality affordable housing was challenging for several different groups (e.g., those with incomes less than $24,000, young adults, families with children, and renters).
• Over three-quarters of respondents (80%) asserted that an affordable monthly housing payment would be less than $1,000.
• With regard to concentrated poverty, the overwhelming majority of respondents said this was a problem in both the City of Wilmington and New Hanover County, and they would support efforts to de-concentrate poverty in the area.
• Use these findings as a stepping stone to completing a comprehensive study of housing affordability within New Hanover County. Such an endeavor would involve systematically collecting data from a wide cross section of community residents and would allow generalizations to be made.
• Continue to host regular community conversations (similar to the November 2015 Mayor's Roundtable event) that focus on housing affordability within the area that would appeal to residents, builders, employers, etc.
• With 92% of the respondents indicating affordable housing is an issue in our community, the time may be right to look at solutions to this issue and move the conversation forward
The survey was available online and marketed throughout the community. In addition, paper surveys were placed in key spots throughout the community to include input from traditionally marginalized populations.
The project was conducted by Dr. Kristen DeVall and Dr. Christina Lanier, Department of Sociology and Criminology, with funding provided by UNCW's Office of Community Engagement through a Community Engagement grant.
Over 650 surveys were completed. We would recommend that these findings & conclusions be interpreted with caution given limitations to the research design in that the study's findings are not necessarily representative of the opinions of all New Hanover County residents and thus cannot be generalized to the larger population.
Contacts: Paul E. D'Angelo, Chair
Affordable housing: Housing is considered affordable to the homeowner or tenant if their housing costs, including mortgage or rent, utilities, taxes, and insurance, are 30 percent or less of their gross household income, before taxes. This is for any household, low-income or high-income, small rental apartment to a luxury-owned home … you should not spend more than 30% of your income on housing costs as a general rule to keep your household budget in line and have enough funds left over for life's other necessities.
Cost burdened: Families or households that pay more than 30 percent of their income on housing are considered cost burdened. Nearly 40 million households, both owners and renters, were cost burdened in 2014, one-third of all American households.
In the Wilmington area, 38.6% of homeowners and 54.2% of renters spend more than 30 percent of income on housing!
Severely Cost burdened: Families or households that pay more than 50 percent of their income on housing are considered severely cost burdened. In 2014, 11.4 million renter households and 6.2 million owner households were severely cost burdened, nearly 15 percent of all U.S. households.
Source: Joint Center for Housing Studies, Harvard University, 2016
Center for Housing Policy, Housing Landscape, 2016
2016 Housing Credit Awards
The 2016 Housing Credit Awards are now posted on the Agency website.
Through your efforts, credits were awarded to 46 projects in 36 counties totaling 3,243 units. Awards were also made to 13 tax exempt bond projects totaling 2,163 units. Thanks to all who participated.
Appendix H and Draft Appendix B have also been posted on the 2017 Qualified Allocation page. The Agency continues to accept comments on the first draft of the 2017 Qualified Allocation Plan. Please submit comments by Friday, September 2nd to be considered before release of the second draft. Please email comments to email@example.com or mail to:
NC Housing Finance Agency
Attn: Rental Investment
3508 Bush Street
Raleigh, NC 27609
What is Health Check (Medicaid for Children) / NC Health Choice Outreach (CHIP)?
Wondering if your children (0-20) may be eligible for the state's children's health insurance programs at no-cost (Health Check/Medicaid for Children) or low-cost NC Health Choice (CHIP)? Go to the Health Check/ NC Health Choice outreach web page and see the income guidelines and how to order educational materials. Also, if you are having any community events/health fairs, don't hesitate to contact Norma Martí who is ready to come talk briefly about the programs and answer your questions—anywhere in the state! Go here for more information.
NC Housing Coalition Wins Major HUD Grant for Housing Counseling
The U.S. Department of Housing and Urban Development (HUD) has awarded $576,379 to the North Carolina Housing Coalition (the Coalition). This grant will increase the Coalition's ability to support agencies that provide housing counseling assistance to low- and moderate-income individuals across North Carolina.
"Housing counselors provide a number of services that help consumers make financially sound economic decisions," said Stacie Darden, the Coalition's Housing Programs Manager. "As a HUD intermediary, the Coalition will use this funding to provide technical assistance and monitoring services to 20 North Carolina-based agencies that supply homeownership and rental counseling, foreclosure prevention guidance, and homelessness assistance."
Informed consumers are both less likely to be victimized by predatory financial practices, and more likely to make better financial choices, in part due to direct, face-to-face interactions between housing counselors and their clients. Counselors also help individuals who have financial difficulties and who may need professional advice to protect their hard-earned investments. These services are extremely important to expanding access to quality, affordable housing.
Widespread access to fair housing, a long-term, primary goal for the Coalition, is particularly relevant in North Carolina, as people of color and immigrants are significantly less likely to have access to safe, quality housing. Since its inception, the Coalition has been committed to challenging injustice, and we appreciate this grant from HUD to continue this important work.
Wells Fargo awards $20,000 in housing counseling support to NCHC
Wells Fargo has announced a $20,000 grant to the North Carolina Housing Coalition (the Coalition for support of The Association of Housing Counselors (TAHC). TAHC, a program of the Coalition, is a statewide initiative that provides funding, training, networking and certification services to housing counselors across North Carolina.
"Asset building is key to economic and financial stability and housing counselors play a very important role in this process," said Wells Fargo Community Development Director Joanna Leclair. "The North Carolina Housing Coalition, through TAHC, provides essential homeownership, foreclosure prevention, and credit counseling services, and Wells Fargo is dedicated to ensuring that these services are accessible to all North Carolinians."
The Coalition is the only organization in North Carolina working exclusively on issues of affordable housing—from homelessness to entry-level homeownership. As the housing landscape shifts back from foreclosure prevention to pre-purchase counseling and financial capability, strengthening and expanding TAHC is a critical element of the Coalition's work. To date, the Coalition has helped 155 counselors secure or renew their required certifications, almost all of them affiliated with community development corporations, governmental agencies, or mortgage lenders.
The Coalition is grateful for Wells Fargo's support and its recognition of housing as the first rung on the ladder of opportunity. Thanks to investment by financial institutions like Wells Fargo, we can continue to expand housing counseling services to low- and moderate-income households throughout the state.
Leading for Results LGFCU Fellows
This course will change you—professionally and personally. Are you ready?
- Do you want to make a greater impact in your organization?
- Are you ready to be a stronger and more effective leader?
- Do you enjoy inspiring others to higher performance toward a shared vision?
If you answered yes to all three, then Leading for Results might be for you. This intensive two-week program is designed to develop leadership skills for local government professionals. Participants graduate from this program with a deeper understanding of their individual leadership strengths, skills for improving their organizations, and a renewed passion for public service.
A group of 25 individuals will be selected as Local Government Federal Credit Union Fellows for each of the two cohorts.
Why a "cohort"? You will not just attend a course. You will become part of a cohort of dedicated professionals—a group of people who will inspire you to be a better leader, in class and in the future.
Who should apply? Qualified candidates include local government department heads, supervisors, heads of special projects, fairly new managers of small jurisdictions, or assistant managers of larger jurisdictions.
Tuition: With the generous support of Local Government Federal Credit Union, individuals selected as LGFCU Fellows will attend this program tuition free. Participants' organizations pay for hotel and travel expenses to attend the classes held in Chapel Hill.
For more information and to apply, click here.
North Carolina Foreclosure Prevention Fund Receives $224 Million
RALEIGH - North Carolina homeowners struggling to pay their mortgages because of job loss, reduction in income or other temporary hardships can still get help through the N.C. Foreclosure Prevention Fund thanks to an additional $224 million in funding. The funds were awarded last week to the North Carolina Housing Finance Agency, which administers the program, from the U.S. Department of the Treasury's Hardest Hit Fund®.
Launched in December 2010, the N.C. Foreclosure Prevention Fund has helped nearly 22,000 North Carolina homeowners who have experienced certain financial hardships keep their homes while they look for work or complete job training. The program was expanded in 2013 to assist returning veterans who are transitioning to civilian jobs. The Fund also now provides assistance for homeowners who have secured employment after a financial hardship but are earning less and unable to pay their mortgage as a result.
"This additional funding from the U.S. Department of the Treasury is a testament to just how successful this program has been in the state," said A. Robert Kucab, executive director of the N.C. Housing Finance Agency. "So far, we have helped nearly 22,000 North Carolina homeowners keep their homes, and with this additional funding, we expect to help thousands more and to continue our special outreach to returning veterans.
"The impact of this program on the state's economy has also been profound, saving $3.9 billion in property value to date. By reducing the number of foreclosures, the effort will continue to help stabilize property values in communities across the state."
The Fund makes mortgage payments for North Carolinians who have lost jobs through no fault of their own while they seek employment or complete job training in a new field. Others who have gotten behind on their mortgage payments because of divorce, illness or other temporary hardship may qualify for help while they seek jobs to get back on their feet.
The mortgage payment assistance is provided as a zero-interest, deferred loan of up to $36,000, or 36 months of mortgage-related payments. Homeowners will resume making their own mortgage payments at the end of the loan period.
The Fund also can assist homeowners who are re-employed after a qualified hardship but earning less than before and unable to afford their mortgages by reducing their principal balance with a no-interest deferred loan. The mortgage loan is then recast to make the payments more affordable.
If the owner continues to live in the home for 10 years, the loan will be considered forgiven and no repayment will be due.
"Although the unemployment rate has improved and now stands at 5.5%, the number of North Carolinians who have found new employment but are underemployed and still unable to afford their mortgages is higher than anyone wants to see," Kucab said. "The North Carolina Foreclosure Prevention Fund can help these individuals recover from a financial crisis that is out of their control."
To be eligible, homeowners must have a good mortgage payment history prior to the qualifying job loss or financial hardship event, be able to resume their mortgage payments once the assistance ends and meet other program guidelines.
This assistance is available statewide through participating HUD-approved counseling agencies. For more information about their eligibility, homeowners should call a participating agency or the information line, 1-888-623-8631, or go to www.NCForeclosurePrevention.gov.
The Treasury's Hardest Hit Fund® was authorized under the Emergency Economic Stabilization Act of 2008. It is available to states which have experienced high unemployment or a steep decline in property values. North Carolina was selected because of the large percentage of the population living in counties with high unemployment rates in 2009.
The North Carolina Housing Finance Agency, a self-supporting public agency, has financed 242,000 homes and apartments since its creation in 1973.The North Carolina Foreclosure Prevention Fund has helped nearly 22,000 homeowners avoid foreclosure.
An Investment In Opportunity - Tackling the Housing Crisis at All Government Levels
With An Investment In Opportunity, we launched a long-term platform that lays out the federal, state and local policy changes necessary to address America's growing rental housing crisis and create communities of opportunity across the U.S.
The platform offers a bold new vision for housing policy, with discrete policy recommendations built around four strategies for reform:
Ensure broad access to high-opportunity neighborhoods.
Promote comprehensive public and private investments in low-income neighborhoods.
Recalibrate our priorities in housing policy to target scarce subsidy dollars where they're needed most.
Improve the overall financial stability of low-income households.
The entire platform is available online. Visit our blog for a high-level summary.
EZ Retrofit - A FREE, Simple Way to Save Energy and Water!
Washington, D.C. Monday, February 1, 2016. Almost two years after the initial launch, SAHF is pleased to announce the release of EZ Retrofit 3.0!
EZ Retrofit is a free, do-it-yourself, excel-based audit tool that addresses cost and complexity concerns typically associated with traditional third party audits. It was developed by SAHF in collaboration with ICF International and Bright Power, Inc.
Rebecca Schaaf, the Senior Vice President of Energy at SAHF stated that "Opportunities exist for nearly every building to save energy and water, but it's not always worth it to pay for an audit. EZ Retrofit gives owners a detailed analysis specific to their building to help them select upgrades and start saving."
EZ Retrofit provides owners and managers with an easy way to identify cost-effective energy and water efficiency upgrades specific to their building. It enables owners to customize a retrofit scope for their individual property. After running EZ Retrofit, owners can integrate changes that can:
- Reduce energy and water consumption and costs
- Increase property efficiency
- Reduce maintenance and extend equipment life
- Improve indoor air quality and tenant comfort
- Attract and retain tenants
A costs analysis of 32 multifamily was conducted by SAHF using the EZ Retrofit tool. The median projected energy and water cost savings from SAHF's analysis were $338/unit/year. This is generally comparable with other recent studies of national multifamily programs, including an analysis of 179 multifamily properties which participated in HUD's Green Retrofit Program (GRP). Results from HUD analysis indicated actual first year savings of $308/unit/year from energy and water upgrades*.
Since the release of EZ Retrofit, property owners and auditors have applied it to more than 4500 affordable housing units across the U.S. Owners of multifamily buildings who apply recommendations produced by EZ Retrofit, stand to reap substantial cost savings.
"EZ Retrofit not only provides valuable recommendations, but also offers fast results at no cost, with little disruption to the property." stated Dennis Hidalgo, Energy & Sustainability Manager, Volunteers of America. He added, "Plus, it's a great tool for comparing cost and energy savings quoted by contractors. We've already identified other properties where EZ Retrofit will be helpful in identifying opportunities for savings."
*Reference: "Energy and Water Savings in Multifamily Retrofits," SAHF/ Bright Power, 2014: http://www.sahfnet.org/multifamilyretrofitreport_2_1287596736.pdf
Impact of Green Affordable Housing Report Available
This report is the culmination of a study which began in the Summer of 2014 to analyze and evaluate the cost-benefit (triple bottom line – environment, economy and equity) of green building certification programs on affordable housing development in the Southeast. The U.S. Census Bureau indicates that the Southeast is the most impoverished region in the nation, will lead the nation in both housing starts and net change in population growth over the next 20 years, indicating that the need and opportunities to further sustainability practices within the affordable housing sector are immense.
Our project goals are to: evaluate and support green affordable housing policy and planning, share data, enhance the understanding of costs and benefits, influence appropriations and budgeting decisions, increase the adoption of green building certification programs and preserve affordable housing. We believe that the study and report add significant data and weight to the argument that green building provides substantive benefits to the development and operations of affordable housing.
Some highlights from the report include:
- Green developments in this study save nearly $5,000 per year
on owner-paid utility costs when compared to non-green developments.
- Green developments spend 12% less on energy (common areas)
per square foot than non-green developments. Residents of green developments
use 14% less energy per square foot.
- Green developments are nearly 5% less expensive on total
construction costs per square foot and more than 13% less expensive on soft
construction costs than the non-green developments.
The final report and executive summary are attached and available for download at the following links:
Survey on Impediments to Fair Housing in NC
NC Housing Finance Agency is working with other state partners to begin our five-year strategic plan for the use of federal housing funds that is part of the Consolidated Planning Process. As part of that effort, we are interested in getting a better understanding of the kinds of impediments to fair housing choice that exist in the state. We are working with the Department of Commerce to conduct a survey to help solicit feedback from our partners, advocacy groups, residents, and other stakeholders on this issue. If you have a moment, please consider taking the time to offer your thoughts. The survey can be found here:
FHLBank Atlanta AHP Income Limits Calculator and Expanded Methodology Released
The Federal Home Loan Bank of Atlanta (FHLBank Atlanta) is excited to introduce a new household income methodology that could increase the number of customers eligible for our multifamily and homeownership products. The new methodology allows for increases in household income limits for over 91 percent of the 599 counties in our district.
Due to this expansion in income limits, we have also launched an AHP Income Limits Calculator to assist you in easily determining your household eligibility.
What Does this Mean for North Carolina?
The new income methodology expands the portfolio of eligible customers in 89 percent of counties in North Carolina. For example, in Wilkes County, N.C., the new methodology results in a $5,650 increase in eligibility for a four-person household, which is a 13 percent increase compared to last year's methodology.
How Does It Work?
- The new income methodology selects the most advantageous of four calculation methodologies to determine FHLBank Atlanta AHP Income Eligibility
- The easy-to-use calculator automatically provides the highest income limit based on household size
- The calculator also provides the AHP maximum rent limits for efficiency and 1-4 bedroom units for each income level (80%, 65%, and 50%)
We encourage you to take advantage of the AHP Income Limits Calculator, available on FHLBank Atlanta's website, and discover the expanded opportunities to enhance housing affordability in the communities you serve.
For additional information on the calculator, or for more information on our suite of multifamily and homeownership grant products, visit our website at www.fhlbatl.com or contact:
Joel Brockmann
Rental Production Manager
Maxima Sims
Ownership Production Manager
Get NCCPR's New Citizen's Guide to the NC Legislature App!
Created by the N.C. Center for Public Policy Research, this 2015-2016 Citizen's Guide to the N.C. Legislature mobile app edition contains contact and biographical information for all members of the N.C. General Assembly in individual legislator profiles. The app is generously sponsored by EMC2 and available for free download on iOS devices.
Download from the App store here! https://itunes.apple.com/us/app/citizens-guide-to-n.c.-legislature/id963...
You will also find analysis and insights like:
• Highlights and Trends for Legislators' Demographics and Occupations
• Bills that generated statewide attention during the past legislative session and how each legislator voted on the significant legislation
• Legislative effectiveness, attendance, and voting participation rankings
• District maps and committee assignments
You're invited to join the Housing Communications Hub
The Housing Communications HUB is a free online community from the National Housing Conference that connects you to an incredible resource: colleagues from across the country who share your challenges, uncertainties and successes in communicating about affordable housing. It's a place where you can ask advice, share your experiences and build relationships.
Whether you work at the local, state or national level, as long as you're interested in communicating effectively about affordable housing, the HUB is for you. The HUB allows you to download resources that will help you plan and execute your communications work, as well as to share your own successful communications products. It also provides discussion forums that allow for dialogue and exchange about housing communications issues with others who are doing this work across the United States. Visit the HUB and join free today!
Are you considering a smoke-free policy but are still not convinced? It all comes down to improving your bottom line.
The sooner you go smoke-free, the sooner you can save money in decreased fire, maintenance, and turnover costs. Adopting a smoke-free policy can also boost your marketing value.
Scott Alderman of Landura Management Associates in Winston-Salem explains why:
"First, there are lower turnover and HVAC ductwork cleaning costs with smoke-free policies. Two, they keep the property cleaner. You'd think there'd be more cigarette butts everywhere, but that's not the case – our tenants use the receptacles we put out there. Third, the biggest savings has been with fires. Before we were smoke-free, we had two fires within the span of 10 days, which cost us $1.3 million."
By adopting a smoke-free policy, you can improve your bottom line.
To learn more about how smoke-free policies can save you money:
Visit the NC Division of Public Health's Smoke-Free Housing Website at: http://www.smokefreehousingnc.com/property-managers/smoke-free-policies-why-do-it-#.VAngFZrD-9I
New Resource: Communicate about Housing More Effectively with the Latest Research, Poll Data and More
The Center for Housing Policy releases a new literature review today by Janet Viveiros and former Center researcher Rebecca Cohen covering research into public opinions on housing affordability issues and how to best communicate around them. The new paper, Building Support for Affordable Homeownership and Rental Choices: A Summary of Research Findings on Public Opinion and Messaging on Affordable Housing, offers housing advocates and practitioners the latest polling data and concepts on how to effectively communicate about housing affordability issues with the public and policymakers. It is the latest report in the Center's Insights from Housing Policy Research series.
Download and read the paper now.
The paper includes a summary of findings that advocates and practitioners can apply directly to their work. A section on Public Opinion Research adds to our understanding of how respondents feel about affordable housing and the people who live in it. A second area on Language and Messaging research describes how respondents react to specific terms and ideas.
Foreclosure Prevention Effort Expanded to Recent Veterans, Furloughed Workers
The North Carolina Finance Agency announces the expansion of the N.C. Foreclosure Prevention Fund to help veterans recently separated from service and military or civilian workers who are currently furloughed or facing an impending furlough.
The state-designed foreclosure prevention program makes mortgage payments for qualified unemployed workers as well as homeowners who have suffered certain other hardships, such as divorce, illness or death of a co-signor, while they look for work or complete job training. The Fund has already helped nearly 14,000 workers who have lost their jobs save their homes, and funding is available to assist another 7,000.
Please direct questions concerning the North Carolina Housing Finance Agency or the N.C. Foreclosure Prevention Fund to: Connie Helmlinger, 919-877-5607 or email@example.com; or Margaret Matrone, 919-877-5606 or email@example.com.
CFED Announces Asset-Building Integration Learning Cluster
Do you provide affordable housing options to low- and moderate-income families? Do you often ask yourself how you can help your clients follow a monthly budget so they don't fall behind on their utility bills?
Are you helping unemployed individuals build the skills they need to find and succeed in their next job? Do you ask yourself how you can help these clients open safe, affordable bank accounts so they don't lose a big portion of their next paycheck to expensive check cashers?
Do you provide critical services to families in times of crisis? Do you wonder what you can do to help these families build an emergency savings account so they are more prepared for future financial crises?
If you answered yes to any of these questions, you should think about joining this Intensive Learning Cluster! In partnership with the Bank of America Charitable Foundation, CFED's newest Learning Cluster is an 18-month collaboration between CFED and organizations providing services in the housing, workforce development and emergency assistance (critical needs) sectors. Participating in the Learning Cluster can help you incorporate asset-building strategies—such as getting your clients banked, helping people manage their credit or providing access to free tax preparation assistance—into your existing services.
Download the Request for Proposals here.
Organizations who are selected to participate in the Learning Cluster will receive an $8,000 stipend, a full scholarship for CFED's 2014 Assets Learning Conference in Washington, DC, the opportunity to learn and problem-solve with other members of the Learning Cluster through virtual and in-person convenings, and technical assistance from asset-building experts.
If you are interested in participating, carefully review the Learning Cluster Request for Proposals and submit your project proposal to firstname.lastname@example.com no later than October 21, 2013. If you have questions, email Kori Hattemer.
New NLIHC report: Housing Spotlight: America's Affordable Housing Shortage, and How to End It
There were over 10 million renter households with incomes at or below 30% of the area median income in 2011. For these extremely low income families, there were only 3 million affordable and available homes. The National Housing Trust Fund could help end this shortage of over 7 million affordable homes.
These are among some of the findings in NLIHC's new report, Housing Spotlight: America's Affordable Housing Shortage, and How to End It.
The report provides an
in-depth analysis of the growing gap between the number of low income renters
and the number of units that are affordable and available to them. This
analysis of the 2011 American Community Survey shows that for every 100
extremely low income families, there are only 30 affordable and available
rental homes.
Click here to download Housing Spotlight: America's Affordable Housing Shortage, and How to End It.
New resources on lifecycle underwriting - test the viability of your properties over a 50-year lifecycle
The National Housing Conference and Center for Housing Policy are pleased to announce a suite of materials exploring lifecycle underwriting -- a new way of thinking about the costs of affordable multifamily rental housing.
Rather than looking simply at the initial costs to develop a property and the ability of a property to remain financially viable for an initial 10- to 20-year period, lifecycle underwriting examines whether a property's finances are sufficient to cover the expected costs of maintaining the property over its full lifecycle, which can be as long as 50 years.
The new materials describe the principles behind lifecycle underwriting, the practical and policy implications of this new approach, and the results of a research study applying this methodology to compare the costs of two methods of producing multifamily affordable housing: new construction and acquisition-rehab. The materials also include a free online tool that enables users to apply lifecycle underwriting to their own properties.
The materials include:
- L-Cycle: The Lifecycle Cost Modeling Tool. This free tool enables users to estimate whether a property is likely to have sufficient funds to meet expected capital needs over a full 50-year lifecycle. Users can input basic property characteristics and obtain an estimate of when the property's reserves are likely to show a deficiency under different scenarios, as well as how much in additional funding would be needed to remain viable over a 50-year period.
- Comparing the Costs of New Construction and Acquisition-Rehab In Affordable Multifamily Rental Housing. This research working paper uses the lifecycle cost methodology to compare the total cost of developing and maintaining affordable multifamily rental housing over a 50-year period using either acquisition-rehab or new construction. Our analysis of a convenience sample of more than 200 properties found that, all else equal, new construction added approximately $40,000 to $71,000 (25 to 45 percent) per-unit to the lifecycle costs.
- Lifecycle Underwriting: Potential Policy and Practical Implications. This policy working paper explores the policy and practical implications of lifecycle underwriting and opens up a debate about the trade-offs of financing properties for a 50-year viability period, rather than the more typical 15-year time frame.
- The Lifecycle Cost Adjustment Methodology: An Exploration of the Baseline and Alternative Assumptions. This technical working paper describes the lifecycle cost adjustment methodology in greater detail.
The new materials, available at www.nhc.org/lcycle, were produced by the Center for Housing Policy in partnership with Compass Working Capital and Summit Consulting. The National Housing Conference collaborated with the team on the policy implications paper.
Partnering Landlord Information
The Community Empowerment Fund (CEF) and Housing for New Hope's programs are of special interest to landlords because of the valuable housing and budget services we provide. We not only help you find tenants for your units, but also to maintain long-term, successful tenants.
Becoming a partnering landlord does not in any way obligate you to use our service, but only confirms that you are open to working with CEF and Housing for New Hope. By becoming a partnering landlord, you can contact us when you have an unoccupied unit to fill or when you have a tenant who needs budget counseling services in order to keep the rent paid.
Why become a partnering landlord?
- Receive rent payments on time
- Recruit successful tenants
- Reduce turnover costs
- Advertise with us
- Have an agency to call with tenant concerns
What We Offer
- Our tenants agree to participate in a "protective payee" service, called Peace of Mind Accounts, which allow our tenants to ensure monthly rent and utilities are paid on time with automatic bill pay services
- CEF works alongside tenants to create budgets and open savings accounts that can keep tenants paying on time, even in case of emergencies
- Housing for New Hope prescreens applicants to make sure that all of our tenants have adequate income and access to services in order to be successful, long-term tenants
- We are someone you can call, and we will do everything in our control to guarantee that our tenants will be the best possible
Invest in your community and become a partner in ending homelessness.
Contact us:
(919) 351-9756
Community Empowerment Fund
Housing for New Hope


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MUSCATINE, Iowa (KWQC) – The City of Muscatine is announcing an initiative to provide an opportunity for the city to form a port authority and install an intermodal container port for import and export shipments by using barges on the US Inland Waterway System. The project would provide Eastern Iowa and Western Illinois with greater access to world markets using water transportation via the Mississippi River.
Community Development Director Dave Gobin presented the project idea to the Muscatine City Council at Thursday night's city council meeting.
Gobin explained Muscatine's significant opportunity in forming a port authority. He noted that Muscatine's positioning in the middle of the United States, with local access to the Mississippi River, rail, warehousing and truck transportation, provides a significant logistical advantage and cost savings for local industry. There are currently no intermodal container ports on the Mississippi River north of St. Louis.
Intermodal is freight carried both domestically and internationally in an interchangeable container using multiple modes of transportation (e.g. truck, rail and barge), without the handling of freight itself when changing modes. Essentially, the containers are filled with freight and are then moved from one mode of transportation to the next on the way to their final destination.
Several area industries have expressed interest in the usage of a future port in Muscatine and Gobin has been in discussion with companies, such as Monsanto, Kent Corp, Alcoa and SSAB, as the project has been developing. Up to as many as many as 12-15 companies have serious interest and are giving general support for the project. The port would be able to handle both domestic and international exports and imports to the area. The intermodal containers would travel by barge on the Mississippi River to or from New Orleans or Houston, with access to global markets through the Gulf of Mexico.
According to the Bi-State Freight Optimization Study, freight volumes over the next 25 years are projected to cause an increase in road and bridge maintenance costs from truck traffic and load weights as well as increase in truck traffic volumes, crashes and congestion. Utilizing a port as a key form of freight transportation could stabilize and alleviate future costs and safety issues.
"Installing a local intermodal container port will provide a significant economic impact to the region," Gobin said.
The City of Muscatine's plan is to convert an underutilized USACE permitted dock into an intermodal container port. To do this, the city plans to: identify potential port sites locally, establish a Municipal Port Authority, enter into a Public-Private Partnership with the property owner, raise funding from a variety of sources, including federal, state and private sources, apply for permits, construct and test port site, choose an operator of the intermodal port and finally, set up one or more Foreign Trade Zones.
"This project is a step in the right direction for Muscatine, its industries and the region as we move into the future," Gobin said.


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Facebook's Graph Search makes local-level branding far more important, even for national companies, Rob Reed writes. Claiming and updating local pages, merging duplicate pages, publishing locally relevant content and monitoring rivals' local presence are all important initial steps, Reed writes. "[B]rands that move quickly and deliberately to take advantage of this new search paradigm will gain a competitive edge just as first movers in Google Search and Facebook Pages did in the past," he writes.
Full Story:Street Fight


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Keys:02/06/2015 13:25:38
This article summarizes the events, album releases, and album release dates in hip hop music for the year 2014.Breaking news, songs, video and mixtapes updated daily. Plus interviews, album reviews, girls and editorials. HipHopDX has got it all.2/16/2011 · https://www.facebook.com/groups/185298934837181/?fref=ts9/25/2013 · Black Music Stream! My seventh Mix. Please Rate or comment :-) Official Fanpage: http://www.facebook.com/Theblackbeatzz soon: FREE DOWNLOAD ...new releases top hip hop songs 2014 that'll be updated regularly for your sake. all your favorite tracks of 2014 on this new hip hop songs 2014 list. Top 10 Ever ...Daily updated with New Hip-Hop, R&B & Pop Music New Music News, Music Videos and Celebrity Photos.Up to date news, reviews, and one of the biggest collection of hip hop Links.The ultimate source of hip hop/rap music news, videos, culture, and the hottest rap artists on MTV Jams.Hip Hop - ARTISTdirect.com: Your Top Source for ALL Hip Hop Music Videos, Free Hip Hop Music Downloads, Hip Hop Lyrics, Hip Hop News, Hip Hop Interviews and …World music; African music; American music; Australian music; Brazilian music; British music; Canadian music; Danish music; European music (Continental Europe)
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text:
Silence Is Concurrence
Published by Amy Corwin at Smashwords
COPYRIGHT © 2010 Amy Corwin
This is a work of fiction. Names, characters, places, incidents either are the product of the author's imagination or are used fictitiously. Any resemblance to actual persons, living or dead, business establishments, events, or locales, is entirely coincidental.
All rights reserved. No part of this short story may be used or reproduced in any manner whatsoever without written permission of the author, except in the case of brief quotations embodied in critical articles or reviews.
Contact information: email@example.com
Cover Art by Amy Corwin
Publishing History
First Edition, 2010
By Amy Corwin
Kate cranked up the air conditioner and gazed out the car windows, trying to convince herself the trip wasn't a waste of time. After a five-hour drive from Raleigh to the Outer Banks, she'd expected a more…haunting atmosphere. Patches of saltmarsh, interspersed with sinuous ribbons of water, shimmered under the burning North Carolina sun. You could see for miles. Hard to imagine a less ominous landscape or one less likely to host tales of the supernatural.


text:
Report: West Virginia CB Travis Bell charged with DUI
West Virginia starting cornerback Travis Bell has been charged with DUI after an early Sunday morning arrest, the Pittsburgh Post-Gazette reported.
Police reportedly observed Bell having an argument with his girlfriend outside a parked vehicle in Morgantown, and administered field sobriety tests. After Bell failed, he was booked at approximately 3 a.m. Sunday and charged with DUI and driving with a suspended or revoke license.
Bell was also arrested this past February and charged with domestic battery, making this Bell's second booking in a span of 10 months.
The redshirt junior's status with the team is yet to be determined. Bell started nine games this season for the Mountaineers, making 45 tackles, interception one pass, and making 4 pass break-ups.


text:
Is The Winding Stair Restaurant incorrect or missing key business information? Update your Hotfrog listing today.
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Hotfrog Ireland provides information regarding The Winding Stair Restaurant in Dublin. The Winding Stair Restaurant is located at 40 Lower Ormond Quay, Dublin Dublin DUBLIN 1 and provides Social services. Contact them on (01) 697 2715 or by visiting them on their website http://www.winding-stair.com/.
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Open Daily 00:00-22:30
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kolhapur Diagnostic centre
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text: Nickel-and-Diming Downloadable Content Is Gaming's FutureAdam Frucci3/03/10 12:40pmFiled to: BlockquoteDlcPeter MooreEA SportsGaming247EditPromoteShare to KinjaToggle Conversation toolsGo to permalink Are you frustrated by game publishers releasing same-day DLC that screw used game purchasers over? How about making you pay for what should be essential, built-in parts of a game? Well, get ready for more of it, says Peter Moore. Advertisement Moore, president of EA Sports, is looking for how to squeeze an extra $5 out of every Madden player. You can already buy new uniforms, old stadiums and player attribute boosts for the current crop of Madden games. But what's next? In this constant bleeding of the consumer, could they offer up new playbooks? Could they charge you for new teams? How much of this stuff was designed to be put into the game and then sliced out to be sold seperately?To be sure, a lot of DLC is great. Additional missions in action games, made after the game was released as an extra chunk of gameplay for the hardcore, is wonderful. But when we're seeing it being used more and more as a tool to screw over used-game buyers and to sell us what clearly should have been part of the original game, publishers are going too far. Where's the line? [IGN via Kotaku] Reply247 repliesLeave a reply


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Adult Pig Mascot
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On Nov. 8, voters in Kentucky will elect General Assembly members. This is important because these state legislators will once again consider the local option sales tax. This constitutional amendment would allow local governments to add a new local 1 percent sales tax in addition to the 6 percent state sales tax already paid on taxable goods. If this happens, it will hurt consumers, businesses, and Kentucky's economy.
Owen Electric urging co-op members to vote
I would like to apologize to all veterans, with their families, who did not have a banner of honor at the courthouse on Sweet Owen Day. ALL who serve and served are deserving of this kind of recognition. Unfortunately, there are costs associated with the making and the hanging of those banners. The Owen County Historical Society cannot purchase a banner for every veteran.
Tuesday, Sept. 20, vote no on the alcohol initiative, because it says yes to the following benefits of being a dry county.
It saves our city and county law enforcement and an increase in workload and problems that will increase due to greater accessibility to alcohol.
It saves many business owners an internal battle of feeling forced to sell alcohol to keep up with their competitors.
The Republican Convention tried to convince you that Donald Trump is a good man, the Democratic Convention that he is a bad man. They are both beside the point. It makes sense to vote for Donald Trump, even if you believe most of what the Democratic Convention said about him is true, because Donald Trump is less of a threat to the United States and the world than Hillary Clinton.
Owen County deputies need some more training on how to proceed when on an emergency call.
I was on my motorcycle Sunday with my friend on his right behind me, going north toward Sparta, right past Owen Electric.
I started my week in Frankfort in the presence of family, friends and my new colleagues in the Kentucky House of Representatives by holding my hand high and swearing an oath to represent the people of Scott, Owen, and Fayette counties to the very best of my ability.
Occasionally politicians slip up and reveal their true intentions. In DC, this is called "committing candor." While indirectly discussing his administration's effort in the courts to force Apple to develop a software key to unlock iPhones, President Obama recently admitted this battle is not just about a single terrorist's iPhone in San Bernardino.
Copyright © 2017
The Owenton News-Herald is your source for local news, sports, events and information in Owen County and Owenton, KY, and the surrounding area.


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It's time to share more simple and yummy dishes that are easy to make and oh, so good!
These are perfect sides or salads for your picnics, gatherings and pot lucks.
Asian Slaw Salad Recipe @ Just Us Four Blog HERE
Rainbow Carrot Salad Recipe @ Crepes of Wrath HERE
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Salt and Vinegar Zucchini Chips Recipe with Garlic Yogurt Dip @ She Knows HERE
See more Recipes
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All Entries Tagged With: "Idea Games"
Idea Games announces the release of Arma 2: Firing Range for iOS
Posted by Mary Ann Neder | Dec 13, 2011 | Comments 0In collaboration with Bohemia Interactive, Idea Games has besieged the App Store with the release of Arma 2: Firing Range on iOS. Arma 2: Firing Range is the ultimate firing range simulation, utilizing accurate high-polygon weapon models used in the award winning Arma 2 tactical shooter videogame.
Read More


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Fashion & Beauty
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Bridal Party
Real Weddings
News & Advice
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Fashion & Beauty
Ceremony & Reception
Bridal Party
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News & Advice
51 results
News & Celebrity
Colorful Wedding Dresses: So Now, and So Not a Fad
Vera Wang's perfectly pink Fall 2014 collection was a call-out to some pretty stylish brides.
October 17, 2013
A Black-and-White Floral Save-the-Date with Polka Dots
These cards mix a graphic print with romantic florals.
March 21, 2013
Black-and-White Floral Dinnerware
Striking black-and-white china that's both stylish and masculine.
March 21, 2013
Real Weddings
A Classic, Heirloom-Inspired Wedding in New Jersey
A couple of high school sweethearts—who have stuck it out for 13 years—host an elegant, sophisticated affair with a nautical theme, inspired by their families' weddings past.
January 23, 2013
Bridesmaids & Groomsmen
40 Black Bridesmaids Dresses We Love, from Formal to Casual
Whether you're looking for formal bridesmaids dresses or casual ones, black is versatile and comes in a ton of styles.
January 23, 2013
Wedding Style Inspiration: Classic, Timeless Black and White
Black and white is the color scheme of classic movies, vintage photography, and—just maybe—your formal wedding affair.
November 21, 2012
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November 11, 2012
Modern Silhouette Wedding Cake
A playful silhouette tops off this modern black-and-white wedding cake.
August 21, 2012
14 Essential Style Elements for a Platinum-Inspired Wedding
Prefer platinum? Create a stunning, high-drama evening inspired by your left hand setting
June 6, 2012
See an Event Designer's Sketches Come to Life: High-Drama Centerpiece
World-class event designer Tammy Carmona shares the sketches that inspired some of her most luxe weddings.
May 17, 2012
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18 Ideas for a Formal Black and White Wedding
Playful touches add punch to a formal black-and-white wedding
May 1, 2012
Favors & Gifts
Vintage Globes: A Great Gift
A colorful accent piece, and a conversation starter at dinner parties.
March 20, 2012
Bridesmaids & Groomsmen
If Looks Could Kill: A New James Bond-Inspired Tuxedo
With a license to... accessorize.
March 19, 2012
The Best Wedding Flats for Your Wedding
A beach reception suits a barefoot bride, but in a ballroom, you'll need black tie-appropriate ballerinas to change into once the dancing starts.
March 8, 2012
Wedding Dresses
Dress of the Day: White by Vera Wang Lace Gown
A touch of black adds instant drama to an otherwise soft and romantic gown.
March 1, 2012
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Tina Fey and Michelle Williams' Oscars Gowns: Get the Look
Both actresses proved there's a right way to wear the voluminous look.
February 26, 2012
Bridesmaids & Groomsmen
Groom's Item of the Day: Henrik Vibskov Scarf
Weddings in colder settings require more attention to accessorizing for your groom.
February 21, 2012
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Johnny Weir's Winter Wonderland Wedding Looks
What should ice skating's most fabulous couple wear to chill with megastars at their snow-dusted wedding celebration? We have one or two ideas.
February 16, 2012
Wedding Dresses
From the Runway: Kate Spade Fall 2012
Inspired this season by the flirtatious, whimsical side of Paris.
February 14, 2012
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In Case You Missed It: BRIDES on Good Morning America
Our editor-in-chief Anne Fulenwider gave GMA the download on extreme wedding dress trends.
February 10, 2012
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Rates in USD (taxes & fees included), shown as:
Nightly Average
Twinstone Villa
Atakent Mahallesi, Mugla 48780, Turkey
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text: Posted February 9, 2001 This must have been discussed here before, but today's (2/9/01) Wall Street Journal has an article "Barbie Learns Ballet and Launches a Movie Career". "The 84 minute direct-to-video feature stars Barbie as Clara in "The Nutcracker" and puts her and boyfriend Ken (he's the Nutcracker) in highbrow company: New York City Ballet Master in Chief Peter Martins will choreograph the ballet segments of the video, and the London Symphony Orchestra will perform the music..." "The Nutcracker will be accompanied by a book, eight Nutcracker themed dolls, sleepwear and a Hallmark Christmas ornament. "Mattel's Nutcracker is certainly not for traditionalists. The video will feature only 12 to 15 minutes of actual ballet [EW note--WSJ term "actual ballet"] with the bulk of the movie being a story designed to entertain children aged three to eight years old. "Mattel has added a generous dose on new charcters that readily translate into toys as plot twists allow Barbie, in the role of Clara, to emerge as a modern heroine." "For example, Clara comes across a series of six friendly characters....(which) will be sold separately as dolls" "(Martins) will work with five dancers from the New York City Ballet who will dance on stage using optical sensors...a computer generated Barbie model will be superimposed on top of the dance images." "(Martins) goal is to provide them (Mattel) with what they need and hopefully have some integrity at the end." ----- A few questions from this part of the peanut gallery: What will Wendy Wasserstein say? (WWWWS)? What is a "Ballet Master in Chief". Sounds more like a military rank than anything else. The video is scheduled to go on sale October, 2001. How tired of it will parents be by November? Most importantly, will it help or hurt attendance at the zillion "Nutcrackers" around the country next Christmas season? ------ It is on page B1 of the print edition. WSJonline is subscription only. ------------------ "Happy are the fiery natures which burn themselves out, and glory in the sword which wears away the scabbard: CAMILLE SAINT-SAENS Writing of Pauline Viardot Share this post Link to post


text:
Ceres is right...we are not without our own struggles here in Iowa, but
I too, have heard from many, many people that the problems we have in
Iowa are small potatoes compared to other places. I'm not sure there's a
good enough reason that exists to ever get me to move away from Iowa
again...did that once and regretted it after less than a year. Never
Melody, IA (Z 5/4)
"The most beautiful thing we can experience is the mysterious."
--Albert Einstein
--- On Tue 05/18, < email@example.com > wrote:
From: [mailto: email@example.com]
To: email@example.com
Date: Tue, 18 May 2004 22:24:56 EDT
Subject: Re: [CHAT] education/society
In a message dated 5/18/04 8:49:39 PM, email@example.com
writes:

<>

Theresa, I have heard
that frequently in the past few yrs however we are not
with out
problems, too. Iowa has always been in the top of the states for

public schools but that has slipped. NCLB has not helped. Our
governor states
each yr that education has priority but we have no
money so in final decisions
it takes a back seat. I hear from a
number of friends who have come to Iowa
from other states, we have a
quality of life that far exceeds others.

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Friendship Ends in Murder When Teens Kill Best Friend
Skylar Neese was murdered by her best friends because they "didn't like her."
Family Friend Shocked That Teen With 'Potential, Morals' Turned Murderer
Rachel Shoaf is now in prison for stabbing 16-year-old Skylar Neese to death.
Shocking Tweets from Skylar Neese's Killer After She Stabbed Her to Death
Sheila Eddy pleaded guilty to first-degree murder after stabbing her friend.
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text:
Research Study of Bipolar Mood Symptoms and Cognitive Problems
Recruitment status was: Active, not recruiting
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- How to Read a Study Record
This is a sixteen-week, randomized, double-blind add-on study of valacyclovir versus placebo in approximately 60 outpatients meeting diagnostic criteria for DSM-IV Bipolar I or II disorder, testing positive for HSV-1 and who have demonstrable cognitive impairment defined as a total score of less than 85 (one standard deviation from the normal range) on the Repeatable Battery for the Assessment of Neuropsychological Status (RBANS). Each patient will be randomized to double-blind treatment with either valacyclovir or placebo for sixteen weeks. All subjects will be maintained on a stable regimen of psychiatric drugs prescribed by their treating psychiatrist. Patients will be evaluated every 2 weeks by the treatment team and mood rating scales will be administered at each visit including the YMRS, PANSS and the MADRS. The RBANS will be administered again at 8 and 16 weeks. Both the treatment team and the patient will remain blinded during the course of the study. Following the active treatment phase, patients will receive treatment as clinically indicated.
Primary Hypothesis:
Valacyclovir will be superior to placebo in reducing cognitive symptoms associated with bipolar disorder in subjects who have been previously infected with Herpes Simplex virus I (HSV-1).
Secondary Hypothesis:
Valacyclovir will be superior to placebo in reducing mood symptoms associated with bipolar disorder in subjects who have been previously infected with HSV-1.
Bipolar Disorder
Drug: Valacyclovir
Drug: Placebo
Phase 2
|Study Type:
|Study Design:
|Allocation: Randomized
Intervention Model: Parallel Assignment
Masking: Double Blind (Subject, Caregiver, Investigator, Outcomes Assessor)
Primary Purpose: Treatment
|Official Title:
|A Double Blind Placebo Controlled Study of Valacyclovir in Cognitive Impairment and Mood Symptoms of Bipolar Disorder
- The primary outcome measure will be The primary outcome measure will be the Repeatable Battery for the Assessment of Neuropsychological Status (RBANS). [ Time Frame: 16 weeks ]
- The secondary outcome measures will be the Young Mania Rating Scale (YMRS), the Positive and Negative Syndrome Scale (PANSS) and the Montgomery Asberg Depression Rating Scale (MADRS). [ Time Frame: 16 weeks ]
|Estimated Enrollment:
|Study Start Date:
|March 2007
|Estimated Study Completion Date:
|October 2012
|Estimated Primary Completion Date:
|August 2012 (Final data collection date for primary outcome measure)
|Assigned Interventions
|Experimental: 1
Drug: Valacyclovir
Subjects take two 500 mg capsules twice daily for 16 weeks.
Other Name: Valtrex
|Placebo Comparator: 2
Drug: Placebo
Subjects take two 500 mg capsules twice daily for 16 weeks.
Show Detailed Description
|Ages Eligible for Study:
|18 Years to 65 Years (Adult)
|Sexes Eligible for Study:
|Accepts Healthy Volunteers:
Inclusion Criteria:
- Be between the ages of 18-65
- Have a diagnosis of Bipolar I or II disorder (as defined by DSM-IV)
- Be in active treatment with an outpatient psychiatrist
- Test positive for HSV1
- Demonstrate cognitive impairment on the RBANS as defined by a total score of less than 85 (i.e. greater than one standard deviation below normal).
Exclusion Criteria:
- Either pregnant or nursing
- Have been diagnosed with any serious, unstable illnesses including HIV infection or other immunodeficiency condition, hepatic, renal, gastroenterologic, respiratory, cardiovascular (including ischemic heart disease and hypertension), endocrinologic, neurologic, immunologic, or hematologic disease. Illnesses that are currently well controlled and being treated are not grounds for exclusion.
- Have a history of hypersensitivity or intolerance to valacyclovir or acyclovir
- Meet criteria for DSM-IV substance abuse (except nicotine and caffeine) within the past 90 days
- Had ECT (Electroconvulsive Therapy) within three months prior to randomization
- Judged to be at serious suicidal risk; inability to provide informed consent.
Please refer to this study by its ClinicalTrials.gov identifier: NCT00428298
|United States, Maryland
|Johns Hopkins University School of Medicine, Dept. of Psychiatry
|Baltimore, Maryland, United States, 21207
|Principal Investigator:
|Jennifer L Payne, MD
|Johns Hopkins University
Additional Information:
|Responsible Party:
|Jennifer Payne, M.D., Johns Hopkins University School of Medicine
|ClinicalTrials.gov Identifier:
|NCT00428298 History of Changes
|Other Study ID Numbers:
|Study First Received:
|January 29, 2007
|Last Updated:
|May 18, 2012
Keywords provided by Johns Hopkins University:
Manic Depression
Additional relevant MeSH terms:
Bipolar Disorder
Bipolar and Related Disorders
Mental Disorders
Antiviral Agents
Anti-Infective Agents
ClinicalTrials.gov processed this record on February 27, 2017


text:
Greetings Guest!!Dismiss Notice
In order to combat SPAM on the forums, all users are required to have a minimum of 2 posts before they can submit links in any post or thread.
Why UO will never grow
Discussion in 'UHall' started by Trebr Drab, Dec 12, 2009.
Page 1 of 3


text:
ESAPI: Porting Security Methods to PHP
Andrew van der Stock from the Open Web Application Security Project (OWASP) is porting Enterprise Security API (ESAPI) methods to PHP.
ESAPI defines security measures which protect web applications from typical attacks, such as cross site scripting and SQL injection. The documentation aims to prevent developers replicating security methods and helps them avoid mistakes.
A reference Java Edition of the OWASP ESAPI toolkit already exists, but Stock is working on a PHP version. In his blog, he reports that the essentials have passed the first set of unit tests in the exceptions class.
Van der Stock is looking for assistance from other PHP developers. His project website can be found at the OWASP wiki.
Issue 28: GIMP Handbook 4th Ed./Special Editions
Buy this issue as a PDF
Munich Plans to Ditch Linux and Go Back to Windows
A major setback for the Linux desktop.
Linux Kernel 4.10 Comes with New Security Features
Improved support for GPU in virtualization.
OpenSUSE Site Hacked
News site for the openSUSE community falls victim to a Wordpress exploit.
LibreOffice Goes Online with 5.3 Release
The source code is available online.
Microsoft Brings Clear Linux OS to Azure
One out of three virtual machines on Microsoft Azure Cloud run Linux.
ASUS Announces a Single-Board Computer
The form factor of the board makes it a drop-in replacement for Raspberry Pi.
Red Hat Releases RHEL 6.9 Beta
Makes it easier for customers to move workloads into container-centric applications.
SUSE Working on a New Operating System Called MicroOS
SUSE's answer to container-centric operating systems.
Biggest Kernel Release Ever
Linux 4.9 is the biggest release in terms of number of commits.
CentOS Linux 7 (1611) Released
The latest version of the official RHEL clone is here.


text:
© Copyright 2017 xXloriettaXx. All rights reserved.
Status: Finished
Genre: Poetry
The person/point of view was interesting and nice risk. so wording was a little awkward but overall it was good. I will read your other work. I would appreciate it if you check out my work in return. -CJam
Great writing! I have felt this way so many times.
Book / Mystery and Crime
Book / Other
Book / Other
Paste the link to picture in the entry below:
Paste the link to Youtube video in the following entry:
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text:
customer capacity
14 passenger seating. Comfortable limo style perimeter seating, wood flooring, 46 inch and 26 inch flat screen TV's, sound system, am/fm radio, cd/dvd system, clear acrylic color changing walls, glassware, 2 large ice bins, rear entrance luggage storage.
customer capacity
Luxury Cadillac Deville, 4 door, appointed with leather interior, air conditioning and heating unit, tinted windows, am/fm/cd radio, large trunk space.
customer capacity
Beautiful luxurious limousine with privacy partition, tinted windows, separate HVAC controls for front and rear, TV, CD player, VHS and/or DVD player, deluxe stereo system. Also includes ice bins and stemware.
customer capacity
2016 Lincoln MKT -
customer capacity
This limousine features: 3TV's, premium DVD/am/fm/cod with surround sound, touch screen controls,fiber optic mirrored ceiling, bar, and divider, dimmer controlled lights,VIP rear J-seat. Limousine is stocked with water, soda, and snacks.
customer capacity
FordPassenger Van. Accommodates 14 passengers. Or 10 Passengers and their luggage.
For all First time travelers with Infinity Limousine -- take 10% off the base rate of any trip.
As two lives join together to become one, we can help make your Wedding Day even more special. With Infinity Limousine, not only will you have your own Personal Wedding Chauffeur for the day, but you will also travel in elegance, style and class. All limousine's are stocked with water, soda, snacks, plenty of ice, and glass stemware. You are welcomed to bring alcoholic beverages of your choice.
Infinity Limousine offers prom service for Berks County High Schools and its surrounding communities. Our prom service makes the limousine available 2 hours prior to the prom to pick up the students and photos and for 2 hours after the prom has ended to get the students home or to after prom event. No alcoholic beverages or smoking is permitted, and the privacy divider remains open to driver.
Philadelphia Regional Limousine Association
Chamber of Commerce


text:
National Heart Month
Expert columnist Wil Dubois gives you a closer look at a leading diabetes complication.
Your Heart Is In Your Hands
Heart disease is the leading cause of death among people with diabetes. Love your heart and keep your health. Find our your risk for developing heart disease.
Heart Assessment Quiz
February is not only Heart Month, but the month of love – Valentine's Day! Find out how to celebrate this sweet holiday and keep your diabetes in check.
Diabetes-Friendly Valentine's Day
Cardiovascular disease is the leading cause of death among people with diabetes, yet much of the population remains unaware of the risk. Learn about the various heart complications that can arise and find out what you can do to prevent them.
Heart Complications
What happens on a trip to the heart specialist? dLifeTV went along on a visit to find out. Watch and learn!
Diabetes Heart Complications
Healthy eating is one of the best ways to take care of your heart. Expert columnist Lara Rondinelli breaks down the nutrition recommendations and gives tips on how to follow those guidelines to decrease your risk for developing heart disease.
Nutrition Tips for Your Heart
Not sure of how to start eating right for your heart? Expert columnist Lara Rondinelli starts you out right with explanations of healthy fat, fiber, and fish. Plus, you'll find a delectable salmon recipe that tastes as good as it is good for you!
Love Your Heart
We all know exercise is important for healthy living and for successful diabetes management, but getting started can be daunting if you don't already have an exercise regimen. Expert columnist Sheri Colberg-Ochs gets you started.
Exercise for a Healthy Heart
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Recipe Shuffle
Creamed Succotash Crunchy Summer Vegetable Salad Red Snapper with Yogurt Topping Home-Style Barbecue Sauce Swordfish with a Hoisin Sauce Creole Skillet Stew Blondie Brownies Breakfast Burritos Curried Salmon Potato Garlic Soup
As I mentioned in an earlier post, one of the benefits that made it cost-effective for me to go with the real healthcare (HSA) plan rather than the phony (HRA) plan is that my company is now covering "preventative" medicines at $0 copay. The formulary for these, as stated by CVS/Caremark (my pharmacy benefits provider), covers all test strips, lancets, and control solutions. I dutifully get my doctor to write up prescriptions for all of my testing needs, submit...


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Winterfox0 (0)Enigma60 (0)compLexity0 (0)subtLe0 (0)ImmunityCypher09:00LegacyAthletico09:00AthleticoLegacy10:00CorvidaeLegacy11:00Exile5Funky Monkeys11:00FIVEBorn Of Fire11:00Funky MonkeysExile512:00EMPNew414:00RogueSpirit17:00LDLCQuantum Bellator Fire17:00CPH FlameseXtatus19:00SpiritSpace Soldiers19:30FlipSid3ex-Findictus20:00WinterfoxSplyce00:00Enigma6Miami Flamingos02:30eUnitedQuetzaL03:00
Winterfox1Enigma62EventMaps / statscache (10:16)cobblestone (16:13)mirage (13:16)OtherNo demo - MatchpageSplyce2Mythic0EventMaps / statstrain (16:11)cobblestone (16:5)OtherDemo - MatchpageeUnited1Denial2EventMaps / statscobblestone (4:16)cache (16:7)nuke (13:16)OtherDemo - MatchpageMythic2Prospects1EventMaps / statscache (6:16)cobblestone (16:7)mirage (16:3)OtherDemo - MatchpageVeritasAequitas16ex-DarkPassage10EventMap / statsOtherDemo - MatchpageSplyce2Just A Glimpse0EventMaps / statscobblestone (16:5)mirage (19:17)OtherDemo - MatchpageeUnited2Rush0EventMaps / statsinferno (16:14)nuke (16:3)OtherDemo - MatchpageDenial2mindplay0EventMaps / statsnuke (16:3)cache (16:10)OtherDemo - MatchpageiNTERWEBZ0levelONE2EventMaps / statscache (10:16)inferno (3:16)OtherNo demo - MatchpageProspects19Enigma615EventMap / statsOtherDemo - Matchpage
Valve announced that from now on each major tournament's prize pool will be $1,000,000!
* Update: Prizemoney distribution has been added at the bottom.
With the first major of 2016, MLG Columbus, looming around the corner in a little over a month from now Valve have announced that the total prize pool will be increased from $250,000 to $1,000,000.
The initially crowd-funded events have featured a $250,000 prize pool since their inception at the end of 2013, with 7 such tournaments having taken place so far.
The majors gain a big boost in prize pool
The Seattle-based company announced this evening that from now on each major will have $1,000,000 up for grabs to be distributed among the participating teams.
"...The professional CS:GO community has been growing at an incredible rate. CS:GO tournaments are now among the largest esports events in the world, drawing global audiences of millions of viewers, filling massive venues, and garnering higher prize pools.
Professional CS:GO has grown, and the CS:GO Major Championships are about to grow with it." - reads an excerpt from the official post.
MLG also revealed that the distribution will undergo a massive change, as teams that exit in the group stage will barely get rewarded at all, while the winner will run away with half of the prizemoney:
1. $500,000
2. $150,000
3-4. $70,000
5-8. $35,000
9-16. $8,750
The next major, MLG Columbus, is set to take place from March 29th-April 3rd in Columbus, Ohio, USA. The qualifier where the final eight teams (the Challengers) will be found is set to take place later this week from February 26-28th, and you can see which teams will be participating here.
Post edited 2016-02-24 00:29:53
So volvo, plz even out prize money
Not 500k to winner
Post edited 2016-02-25 20:00:15
device said they got offered 10k per month so you can think that any team (maybe exept lg) get 5k atleast
NA maybe even more
This current prize distribution is basically helping the rich and shifting on the poor
Post edited 2016-02-24 00:29:59
Post edited 2016-02-24 00:29:53
It was the Seattle company who decided to increase the prizepool
Post edited 2016-02-24 00:30:06
Post edited 2016-02-24 00:30:03
Ez toournament for gBots
Post edited 2016-02-24 00:31:23
Post edited 2016-02-24 00:30:21
We all know CSGO is like the unwanted child of Valve
May you take your money and not spend it all at one place.
3.2@Cluj napoca, because major too soon
MLG will probably be ~5m
now majors will keep their prestigious status
valve pls
fuck s1mple
fuck hiko
so easy fnatic/envy
Post edited 2016-02-24 00:43:24
Now all the people saying Katowice will be a major can shut their pieholes.
But most people here seems to forget what happened to the dota2 community after they got shitloads of money for their "major"..
All the teams stopped attending other tournaments, and we as a community was left with just one tournament a year that had the best teams.
Im afraid this will happen to csgo as well :(
Rather than _1_ tournament each year, which is happening in dota :)
Okay, better make more small tournaments, 20$ 1st place, 5k$ second and put fnatic for each vs low teams? :O
Post edited 2016-02-24 01:33:37
I would rather have 4 x 250k tournaments than ONE 1mill tournament each year.
But like I said, we have more than one major each year, so this wont be an issue atm.
oh well.
imagine how IBP and epsilon feel being banned from this.
Post edited 2016-02-24 01:02:14
Don't get me wrong , it's a good thing but for crying out loud , do something about that anticheat or whatever.
Wtf is this low minded community
You really have to be the most retarded person playing/watching this game to believe that the scene is clean right now and that the temptation to cheat won't be bigger with $1mil prize pool.
And who where they? The only real pro - KQLY
rest onliners with low nab Sf
The fact is that they were cheating for quite a while and only got caught because they were retards.
Also , we don't really know when they cheated , was it only online or at lan but if they took that path of cheating they did it to win big cuz it wouldn't make sense to risk your career for small prizes.
Anyway , they only got caught because someone ignored the warnings to not use the cheat and the source code got in esea's hands and then in valve's but think about all the other players that we're careful and got even more careful after this episode.
Post edited 2016-02-24 01:22:18
imagine if a pro would cheat and be vacced live? Prison for him.. so no WORIEEEZ
100% secure and cheat free would be absolutely no internet access.Everything setup with location based servers.
And most important thing , list with every player gear and the organizers providing said gear every match.
Now that would be 100% secure.
after DH Winter 2014 it's almost impossible to cheat on lan
online? sure but all big qualifications are being played on lan anyway
almost 0% chances that someone will be able to use cheats on a major or major quals
almost 0% chances that someone
almost 0% chances
almost 0%
1m for cheaters to grab, joke.
So basicly cheaters are gonna get rewarded with 1,000,000!!
Post edited 2016-02-24 01:29:04
Where are all the people saying Katowice is the real major before this announcement....
Post edited 2016-02-24 01:41:28
If it was Fnatic winning uberly insane amounts of money 50% of the time and the rest of the time either NaVi, NV or LG then NiP or VP wouldn't even try and they would quit.
So the game would be played between 5 teams or less.
So obviously teams around 15-20th rank wouldn't develop and the game wouldn't grow.
Post edited 2016-02-24 01:59:56
Bad b8 i knw
I think the next major will be the best one we gonna watch so far. Teams must be grinding hard right now.
Now make majors with 32 teams instead of 16, improve the group stages with better systems and we are home for a while.
Post edited 2016-02-24 01:55:43
Obviously, with an even bigger prizepot.
I like the idea of watching a more complete tournament.
Not enough talent?, pretty sure cs scene has 32 capable teams all around the world. That anyway won't change the identity of the winner, the winner will be always the best :)
Post edited 2016-02-24 02:28:32
nV/fnatic are for sure going to win :)))
>prize pool @1M -> AMAGAD SO MANY HACKERS WILL BE PLAYING
No one's ever happy in here xD
Good step forward, hope the game gets the attention it deserves from the devs as well.
Post edited 2016-02-24 03:18:53
EDIT: Now that I think about it, with the way sticker money works, the teams that go out in the groupstage still see a nice payday. I guess this just incentivizes teams to win--stickermoney shouldn't dominate the equation
Post edited 2016-02-24 03:41:57
Edit just times every places earnings by 4x
400k winner
200k 2nd
idk the others.
Post edited 2016-02-24 04:25:01
50k murder yearly!
Post edited 2016-02-24 14:09:31
1st 400k
2nd 200k
3-4 100k
5-8 40k
9-16 17.5k
1st 400k
2nd 180k
3-4 80k
5-8 35k
9-16 15k
Pretty sure The Mongolz are feeling even more frustrated now that the prize pool has been bumped to $1M.
Gj Valve
very relevant
fnatic. $500,000
1st: 400k
more fair for weaker team
play in major and get 8k reward,rolf.what the hell is that
Post edited 2016-02-24 10:27:04
is about the same ratio:
1st 400k
2nd 180k
3-4 80k
5-8 35k
9-16 15k
For those that don't compete (9-16) $8,750 should be enough to cover their flights so they're no worse off
sticker money is a nice bonus. Gonna buy $2k worth of adreN stickers
Post edited 2016-02-24 12:01:57
2. $150,000 | Astralis
3-4. $70,000 | Fnatic & EnvyUs
5-8. $35,000 | Na'Vi & FaZe & NiP & Luminosity
9-16. $8,750 | Rest
btw in VP plays Pasha not pascha
Post edited 2016-02-24 13:58:51
5-8 35k
9-16 12.5k
League of Legends Season 2 World Championship 2012: $1,970,000.00
Dota Source 2: 2014 closed beta, 2015 open
CGS 2007 (CS: Source): $477,500.00 (was it even Valve to host it?)
CS:GO Major 2016: $1,000,000
As if Valve ever cared about community. Nope. They pay attention to what is bringing more money. So obvious.
assuming $8m sticker sales like last time
Valve keeps $4m but adds $1m to prize pool
1st: $400k + 19% -- $1.92m
2nd: $200k + 13% -- $1.24m
3-4th: $80k + 10% -- $880k
5-8th: $40k + 6% -- $520k
9-16th: $10k + 3% -- $250k
I'd be up for a bootcamp for a share of $2m
Post edited 2016-02-24 13:56:57
lol kiddos this money in any case aint for you lol.
so im asking
why do you hype?
Thats not true at all. Teams that exit in groups get propotionally more than they used to.
Old distribution:
1. 40%
2. 20%
3-4. 8.8%
5-8. 4%
9-16. 0.8%
New distribution:
1. 50%
2. 15%
3-4. 7%
5-8. 3.5%
9-16. 0.875%
Now we can start competing with the other big games! (prize money)
This is so great that I'm sure valve didn't think of it and probably fought against it
Post edited 2016-02-25 15:23:02


text:
And for those who are still here after reading that first paragraph....
Most of the time I'm friendly, polite and generally capable of coming across well in a conversation with just about anyone. On occasion and when pushed I can curse in a manner that Malcolm Tucker would be proud of, just thought it fair to warn you......
And now for the fun bit: I'm Craig, I'm from Scotland, and I may yet tweak this thing to the point that I don't sound like a complete idiot. I think I'm reasonably normal, albeit with a healthy dose of sarcasm and a fairly well balanced head on my shoulders, others may disagree. It's more fun to come to your own conclusion though, isn't it? At any rate, I try to make my way through life without screwing up too much.
I used to be a History student, a subject I'm mildly fascinated with and enjoy a great deal. While I deeply wish I could still be, that part of the grand plan is on hold for a bit. My final year was focussed rather tightly on Irish history, which is a bit odd as I've no connection with the island at all.
Don't let the history geekery put you off though, I absolutely love learning so chances are you know something I'd find interesting. Does make pub quizzes good places to drag me along to, and defeating a team of lecturers in a history pub quiz is something I will be eternally proud of! My knowledge of trivia is wide ranging and varied which can be a little tedious but it does also mean I'm pretty good at holding a conversation with pretty much anyone.
I know that everyone else seems to put it here but I'm rather shy, I never seem to know what to say to kick off a conversation with someone new. Once I manage it, though, getting me to stop can be hard. Around the right people I can happily talk for hours, setting the world to rights over a pint or three or just letting things run, great way to spend time.
That's as much of a summary as I can be bothered producing just now, there'll be more later.
I am deadly handsome, phenominally rich, and might be lying
But until the money for the doctorate appears, I'm now working for National Museums Scotland in visitor operations. It feels strange to be in a job I don't hate.
Unfortunately it's more likely to be that I'm a speccy fat barsteward!
Edit: the kindle has allowed me to devour the Aubrey-Maturin series so I'm now rather obsessed with Patrick O'Brian.....
I did Film Studies for a couple of years at Uni which has impacted on my tastes a bit: The Maltese Falcon, Casablanca, The Big Sleep and a whole other pile of old yet brilliant films! The part of my taste that hasn't been polluted by academic snobbery runs along the lines of: Top Gun, Dog Soldiers, The Great Escape, In The Loop, Hot Fuzz, Das Boot, Stardust (I know....) etc etc, basically my tastes are all over the place!
I do love the James Bond films and somewhat controversially I'm convinced Timothy Dalton is the best Bond-feel free to argue with me about that, most people do!
I don't watch a lot of TV but what I do watch is mostly comedy or geeky sci-fi, The Thick Of It, Star Trek (most versions, although I don't love Voyager), Babylon 5 and whatever documentaries I can find oniplayer. I've rediscovered Blake's 7 recently, I'd forgotten how much fun it was on a BBC budget. I've gotten a bit hooked on Elementary lately which is a lot of fun to play off against Sherlock in my mind. Alternative interpretations are a lot of fun.
Speaking of Iplayer, my desire to put off writing essays etc sees me listening to a lot on it: Old Harry's Game, McLevy, all sorts of sketch shows and Newsjack, The Now Show, and the News Quiz. Basically things that start on Radio 4 and end up on Radio 4 extra years later, I can't believe I didn't listen to the radio more before Uni.
My musical tastes are rather varied; I like blasting along the motorway to the Top Gun soundtrack, sitting studying with some Clannad on the go, listening to damn near anything at work, vegging to some Debussy or bringing back the good old days with some Wagner-sixth year would have been rather less fun wihout that. Basically I like most things from the last 40 years and a fair chunk of stuff going back even further. I'm hardly one of those people who are utterly passionate about music though, apart from my oh-so Scottish liking of The Proclaimers and my 70s cheese addiction that is Sailor. For some reason Roxy Music has invaded my life as well, it seems my tastes are unashamedly bizarre!
As my build would suggest anything that's been near a kitchen is fair game, I do love a decent curry though.
A good night's sleep, tired Craig is grumpy Craig.
Clean socks and underwear, some of life's essentials.
A decent book to read, I need the escape sometimes. And by extension my lovely new Kindle, lovely bit of kit!
My old friends, I've had them long enough that they're part of the furniture.
A functioning laptop, keeps me occupied.
Also, why my left foot still hurts!
If I'm not at work I'm usually away somewhere, otherwise I might be hiding from the world with beer and DVDs, meeting friends or in a pub somewhere. About the only place I'm guaranteed not to be is a club, I've been a grumpy old man since I was born apparently o clubs and I have never really gotten along.
I'm mildly terrified of large crowds, I'm always afraid they'll just absorb me and I'll never be seen again.
You enjoy heated debates about the actions of people who've been dead for quite a while/like historical arguments in general, or you just like talking nonsense for hours. (not essential though it's a bonus)
Or you think we might get along. There's a good chance of that, I get along with most people once some common ground gets thrashed out.


text:
The Horse Forum (http://www.horseforum.com/forumindex.php)
- Jokes and Funnies (/jokes-funnies/)
Viagra quote
Have you tried the new hot beverage, Viagraccino? One cup and you're up all night.
Men taking iron supplements are warned that taking Viagra may cause them to spin around and point north.
The difference between Niagara and Viagra? Niagara Falls.
New Viagra eye drops make you look hard.
Viagra has been a big boon to 'stand up' comedians.
The man spent too much money on Viagra: Now, he's hard up.
Did you hear about the first death from an overdose of Viagra? A man took twelve pills and his wife died.
A man at the pharmacy to pick up his Viagra prescription exclaimed over the £10/pill price. His wife, who was with him, had a different opinion: "Oh, £40 a year isn't too bad."
Then there was the man who got his Viagra tablet stuck in his throat and suffered from a stiff neck.
For years the medical professional has been looking after the ill, to make them better. Now, with Viagra, they're raising the dead!
Wonderful first post...
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Find your County Wicklow Ireland ancestors
From FamilySearch Wiki
Use the Ireland Genealogical Project ~ County Wicklow Page online databases to find your County Wicklow Ireland ancestors.
- County Wicklow Ireland census records, immigration & Emigration records, church records, tombstone inscriptions, cemeteries, vital stats, and obituaries.
- Find links to other Wicklow Ireland records.
- Read Tutorials and Articles on Irish Genealogy.
Internet address:
or do a Google search using the terms "wicklow igp"
Using the site:
The navigation bar is on the left hand side on every page of the site. There is also a navigational bar running horizontally at the top of every page, with lists of general topics to choose from.
- You will find ancestor's name and date of death in all databases online.
- Many databases include birth, marriage and death.
- Databases are not complete for all places and time periods.