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Black Light Theatre of Prague: Alice in Wonderland & Gulliver
* Additional fees apply. No coupon or promo codes necessary to enjoy the displayed discount price.
The last date listed for Alice In Wonderland was Saturday March 19, 2005 / 7:30pm.
Currently at Irvine Barclay Theatre
Fran Lebowitz: Cultural Icon, Writer & Modern-Day Dorothy Parker
- Full Price:
- $57
- Our Price:
- $28.50 - $42.75
Hearing Fran Lebowitz speak in public is like seeing da Vinci sketch or Caruso sing -- there is… More
Venue Details
Visit a world of fantasy, magic and dreams… These intriguing shows are non-verbal, black-light, multi-media performances, freely based on the themes of the world-famous novels "Alice's Adventures in Wonderland," by Lewis Carroll, and "Gulliver's Travels," by Jonathan Swift. These stories appeal to both adults, for their social commentary, and to children, for their voyages into fantastical realms.
During the 60's Prague became known internationally for its theatrical innovation. It is the birthplace of black-light theatre with more than 30 companies now performing throughout the city. The distinctive magic of the National Black Light Theatre of Prague and its unique stage effects include 3-D animation and live-action film, large-scale projections, giant puppets and world-patented stage mechanisms that allow actors to fly in close proximity to the audience and turns the impossible into reality.


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Alex Neil savours 'perfect start' after Norwich City's 2-1 win at Bournemouth
©Focus Images Limited www.focus-images.co.uk +447814 482222
New Norwich City boss Alex Neil savoured a 'perfect start' after plotting the 10-man Canaries' 2-1 Championship win over leaders Bournemouth.
Gary Hooper and Cameron Jerome sealed a superb victory following Matt Ritchie's first half opener, but City had to respond after Jonny Howson had been red-carded in the second half for wiping out Yann Kermorgant.
Neil watched the action from the directors' box prior to Howson's dismissal before joining Mike Phelan and Gary Holt in the dugout at the Goldsands Stadium.
"It was a fantastic win, to go away to the league leaders, down to 10 men, and then to manage to get a victory," he said. "All credit has to go to the players and I am really pleased for those who travelled down.
"I'm definitely claiming that as my first win. Listen, if we had lost I would have probably been blamed for the defeat. Yeah, at the end of the day Mike (Phelan) and Gary (Holt) had prepared the team all week, they had selected the team but I did speak to the players last night when we were doing our debrief about Bournemouth.
"I spoke to them at half-time and then when we went down to 10 men. I just felt the circumstances had changed at that point and I was better suited to lend my support at the side of the pitch with the staff rather than just sitting in the stands. Thankfully for me we managed to get a goal when I came down and go on and win the game, so it was a perfect start."
Neil revealed City could appeal Howson's straight red card after the Yorkshireman appeared to win the ball with his right foot before sweeping Kermorgant to the ground with his left.
"I thought it was really harsh," said Neil. "I was right in line with it and I thought Jonny (Howson) got the ball really clean but obviously the referee had a different angle to me and chose to send him off but we'll have a look at the video and have a look at it. Potentially we might appeal. At first glance on the video it didn't look like a sending off so we'll get our guys to have a look and go from there."
Cherries' counterpart Eddie Howe was disappointed with the hosts' failure to break down City's 10-men.
"I don't think we showed the real Bournemouth today," he said. "We found it difficult going to build any pressure or momentum. We didn't show our usual fluency with the ball and you have to give Norwich credit for that. Even with a man extra we couldn't manage it and that is the frustration from our perspective at 1-1 you would expect us to bombard their goal and for what ever reason it didn't really happen.
"I think if we needed reminding, which I don't, about the quality of this division and how difficult it is to win in this division we got it today. Norwich have an outstanding squad. There is no doubting the quality of player they have got. We always knew today was going to be a really tough assignment."

subset: commoncrawl


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Art Print
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Collect your choice of gallery quality Giclée, or fine art prints custom trimmed by hand in a variety of sizes with a white border for framing.
"Melon con Vino", a drink part of the Chilean folklore, made of Green Cantilope, white Wine, and a lot of Sugar. Wherever there are young people gathered, you can be sure you'll find Melon con Vino being passed around and shared. Don't be fooled by its sweetness, this drink will surely get you woozy in no time!


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There's a certain crowd of people who don't really care what car they drive, in particular. They just want whatever is the cheapest way to get from A to B, period. They want something new, something with a warranty, something efficient. They probably don't even take into consideration the well-written expert reviews on a site like Cars.com penned by experienced automotive journalists.
It is for those people that we've compiled the following list, the top 10 cheapest cars to buy and fuel, the cars that deliver the biggest financial bang for your hard-earned buck.
The formula is simple: Start with the sticker price plus destination fees of the most fuel-efficient yet least-expensive cars on the market, figure how much gas they'll use over eight years based on the EPA's combined mpg rating and 15,000 miles driven per year, add it all together and there you go. The last time we ran this test was in 2008 (click here to see it), and what a difference six years makes. Some things to note about this year's list:
Editor's note: The Top 10 Cheapest New Cars chart above has been updated as of Feb. 25 to correct a pricing error in the Nissan Versa sedan. Our original price was for a Versa S trim with an automatic instead of the Versa S+ with a CVT. However, the fuel-economy figures are correct for the S+ with CVT. The MSRP is $800 higher than the original price, but it is still the cheapest version of the Versa sedan you can buy. The price discrepancy does not impact the Versa's ranking on our list.


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- Year
- 2013 / 2012 / 2011 / 2010 / 2009 / 2008 / 2007 / 2006 / 2005 / 2004 / 2003 / 2002 / 2001 / >2000 / 1999
- Month
- Jan / Feb / Mar / Apr / May / Jun / Jul / Aug / Sep / Oct / Nov / Dec
- Day
- 1 / 2 / 3 / 4 / 5 / 6 / 7 / 8 / 9 / 10 / 11 / 12 / 13 / 14 / 15 / 16 / 17 / 18 / 19 / 20 / 21 / 22 / 23 / 24 / 25 / 26 / 27 / 28 / 29 / 30 / 31
Articles published on April 12, 2003
2 charter schools may end up in complex
By CATHI CARR SUN STAFF WRITER
Another move along line
By ROBBIE ANDREU Sun sports writer
A Weir-d kind of day
By PAT DOOLEY Sun sports writer
Area native is missing
By BOB ARNDORFER, Sun staff writer
Area finding ways to keep track of troops
By BOB ARNDORFER, Sun staff writer
A living Easter
By KAREN VOYLES and LILLIAN GUEVARA-CASTRO Sun staff writers
Ailing airport sales
A jubilant day of victory in Iraq
By WILLIAM SAFIRE The New York Times
Complainers are ignorant about local, world situations
By TIM MERRITT, Gainesville
Clergy also supports peace
By JOHN LI, Gainesville
Disc golf family
By KIM HART Special to The Sun
Disputed adoption law likely to change
By LLOYD DUNKELBERGER SUN TALLAHASSEE BUREAU
Drug prevention coalitions turn tides in Alachua County
Florida's job market improving
By JOE COOMBS, Sun staff writer
Follow God's guidance in war
By ROBERT PRIMACK, Gainesville
Gators sloppy in 9-4 setback
By BRANDON ZIMMERMAN Sun sports writer
Gators eye SEC title today
By DORIS YON Sun sports writer
House of 1000 Corpses
Austin Sirkin Gainesville24-7.com
Hospitals fear new regulations will hurt donations
Joseph Hunt: He loves his job as medic
By JULIE GARRETT Sun staff writer
Joseph Hunt: He loves his job as medic
By JULIE GARRETT Sun staff writer
Legislature looking to charter schools
By CATHI CARR Sun staff writer
Local Jewish community prepares for Passover
By JESSICA ZIMMER Special to The Sun
Miner doing it all senior year
By DORIS YON Sun sports writer
Neighbors doubtful of charges of abuse
By LISE FISHER SUN STAFF WRITER
New cartoonist is needed
By BEVERLY THOMAS, Gainesville
Occupation must be swift
By ISOLT LEA, Gainesville
Plenty of spots to settle
By ROBBIE ANDREU Sun sports writer
Possible new case of SARS reported
By DIANE CHUN, Sun medical writer
Plant trees and shrubs correctly to ensure success
President sold war to public
By A. J. DUPRE, Gainesville
Retail sales got a big boost in March
Studies in survival
By GREG C. BRUNO SUN STAFF WRITER
Three local players sign with SFCC
By MATT CANNIZZARO and CLIFF OLSEN Special to The Sun
Tonight's auction will have festive air
By PETER ZIMMERMAN Special to The Sun
UF grad may be behind Gator flag in Iraq
By KATHY CIOTOLA, Sun staff writer
UF sponsoring clinic on cancer
By DIANE CHUN SUN MEDICAL WRITER
Voucher program works
By HERB MARLOWE, Lawtey
Web Extra - Spring Practice - Friday report
Robbie Andreu
White set to leave Sheriff's Office
By KATHY CIOTOLA SUN STAFF WRITER
War is the answer
By JESSICA A. DICKERSON, Gainesville
Images of the DayMike Weir is framed by the leaderboard on the 3rd hole as he hits during second round play of the Masters at the Augusta National Golf Club on Friday. Weir birdied the hole and was six under when play was suspended on the two round day for darkness.
Elina Garrison, a University of Florida graduate student studying denning ecology and cub survival in Ocala National Forest, and Florida Fish and Wildlife Conservation Commission biologist Walt McCown, have visited 36 bear dens in the Ocala National Forest since 2000 to collect data that could aid in the long-term survival of the species.
An airline worker walks through the airmall at the Pittsburgh International Airport in Imperial, Pa., on Thursday. Fears of terrorism, an ailing economy, the war in Iraq and severe acute respiratory syndrome (SARS) have not only left airlines facing their worst downturns ever, but have also stalled business at the boutiques, newsstands and restaurants that have taken off in terminals during the past decade.
The Guthries, from left, are Garrett, dad Howard, Evan, Virginia, Ben and Alex. The whole family loves the sport of disc golf.
From left, Joseph Hunt, his sister Deanna Nordstrom, mom Kathy Hunt, sister Tammy Reno and brother Jeff Nordstrom. Joseph, 27, is a senior Navy corpsman serving as a medic in Baghdad.
Florida senior gymnast Lindsey Miner is the 26th-ranked all-arounder in the country.
From left, Joseph Hunt, his sister Deanna Nordstrom, mom Kathy Hunt, sister Tammy Reno and brother Jeff Nordstrom. Joseph, 27, is a senior Navy corpsman serving as a medic in Baghdad.


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About marsHen
marine biologist around the Suwannee River delta. Raise Cracker sheep on an old Cracker farm ~ 12 mi. (as the crow flies) from the Gulf.
By: marsHen , 12:34 PM GMT on August 21, 2013
07:30, 72F, a mist. sun's up. roosters crowing. guardian out and frisky in the yard. walked pup down the lane. new sun rays illuminate several deer browsing in the grape vines on the west end of the cactus field. bacon for breakfast. recorded 3.1" rain since saturday.
11:00, medium tide rising at CK. east wind, 8 knts. 82F.
fed cat. washed last trawl which needs mending. rain coming in from east. not a good day for the lines to dry. washed and stowed gear away until september 1st when sampling will start again.
16:00, high tide at #4 bridge. great egrets in the flooded marsh.
18:10, 78F at back door. overcast. 0.7" of rain flooded sheep yard again. soaked guardian at the gate. got 1 egg.
21:00, 75F, mostly cloudy. a fog. waning full moon appears and disappears. some stars. pup investigates all the bushes in the lane. guardian patrols fence in sheep pasture. a quiet night.
The views of the author are his/her own and do not necessarily represent the position of The Weather Company or its parent, IBM.
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marine biologist around the Suwannee River delta. Raise Cracker sheep on an old Cracker farm ~ 12 mi. (as the crow flies) from the Gulf.


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King Arthur
Directed by Antoine Fuqua. Starring Clive Owen, Ioan Gruffudd, Keira Knightly, Ray Winstone, Stellan Skarsgård, Til Schweiger, Hugh Dancy, Stephen Dillane, Joel Edgerton. (2004, PG-13, 126 min.)
REVIEWED By Marc Savlov, Fri., July 9, 2004
It's impossible to watch this Jerry Bruckheimer-produced fanciful re-imagining (but based on a true story!) of the legend of King Arthur and the Knights of the Round Table without waiting, waiting, endlessly waiting for the real King Arthur to stride up with a pair of coconut halves and cut off the arms of these pretenders to the throne. (The image of Graham Chapman hollering, "What're ya gonna do? Bite my knees off?" Owen's faux Arthur is one that I would have paid dearly to have interjected into Bruckheimer's leaden, silly mess.) All Monty Python fantasies aside, Fuqua's King Arthur has none of the sprightly derring-do of the legend's previous incarnations; it's no Excalibur, nor is it even a First Knight – it's more of a late night at Sir Thomas Malory's pad, after the mead has run out and the candles are well past guttering and everyone's tired of attempting to come up with a new way to play Sir Malory's Le Morte d'Arthur). As the precredits tell us, this version of the legend has been updated by recent archeological findings that point – sort of – to the notion that there was, indeed, once a leader of the Britons named Lucius Artorius Castus, in the fifth century and that he was, in point of fact, that British guy from Croupier. (And all these years I thought he'd be Vinnie Jones! C'est la guerre.) In this telling, Arthur and his men are a warrior breed enslaved by the Romans in adolescence and raised to be what amounts to the Empire's own personal SWAT team. The members of this motley crew are pagans to a one – that one being Arthur, who has somewhere down the line accepted Christ as his personal savior – and a near-barbarous lot who are forced into one last mission before they can return to Rome and a much-deserved bit of R&R. Unfortunately, that ultimate journey involves rescuing a young Roman from the clutches of the impending Saxon hoard, led here by Skarsgård as Cerdic and his equally wild son Cynric (Schweiger, direct from his job playing bass in Queens of the Stone Age, apparently). And then there are the Woads, a nomadic band of forest people (previously seen up past the Do Long Bridge in Apocalypse Now) who count among their number the sexy archer babe Guinevere. Lancelot (Gruffudd), Gawain (Edgerton), and the other knights are here, but in this demystified yet still mystifying version of the old legends, they're not so much knights, per se, as Roman-owned mercenaries, sent to guard the farthest outpost of the Empire, the rocky and rain-swept land of Britain. The battles, of which there are several, are full of bloodless sword-wielding (this is a PG-13 movie after all) and rains of flaming arrows, but like the rest of Fuqua's film, even these seem dull and tarnished. Perhaps it's that we've been spoiled by John Boorman's pristine vision of the Arthurian legends (Excalibur), or perhaps trebuchets and bowmen just don't carry the crazy weight of Denzel Washington's 9 mm wielding, psychopathic leader of men in Training Day, but King Arthur is a snooze, overcast and drizzly both on location and on the pages of the script. Owen is too classy, too James Bond-handsome to realistically portray the not-yet-King Arthur; I for one hoped his shield might double as a roulette wheel and that at any moment he'd break out the craps. No such luck. There's plenty of crap on hand here, but I wouldn't wager on it.
Marjorie Baumgarten, Sept. 23, 2016
Marjorie Baumgarten, July 24, 2015
Feb. 24, 2017
Feb. 24, 2017
King Arthur, Antoine Fuqua, Clive Owen, Ioan Gruffudd, Keira Knightly, Ray Winstone, Stellan Skarsgård, Til Schweiger, Hugh Dancy, Stephen Dillane, Joel Edgerton


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Please don't go.
Don't leave
when you wake.
When I still sleep
as if i were dead.
and don't run away.
I gave you everything,
everything in sight.
Even though
you haven't givin one thing
to me.
You have my heart and soul.
I have your nights
Combind them
and stay.
If not
I will find you again.
But please don't runaway.
© Copyright 2017 Mary Jo. All rights reserved.
Status: Finished
Genre: Westerns
do you think you can check out my short story, Dead Saving The Living? thanks
I could see your talent as a poet better here with the punctuation. I could see and FEEL what you wanted me to.
Its very good. (Liked it!....haha, had to tell you since TeenWritings did)
I love this poem. u have some real talent here. I can definitely relate to this. Love- Z
I like it..love ..beg someone don't go..It hurts our soul
I feel so unworthy to appraise this poem. I am stuck... I am speechless... I lack the right words to say. I love the poem. I love the poet. I love you, Mary Jo. Please don't go.
Book / Young Adult
Short Story / Other
Short Story / Young Adult
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Lettering Elegance
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Sweet Nest Photography
The deft staff at this shop is more than capable of producing clever and brilliant Hand Calligraphy at a price that will have you coming back.


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Don't miss a story. Like us on Facebook. Like Dallas News' Facebook Page
Updated at 9:20 a.m.: Revised to include developments from Tonya Couch's arraignment Friday.
By CLAIRE Z. CARDONA and NAHEED RAJWANI
Staff Writers
FORT WORTH — The mother of "affluenza" teen Ethan Couch is finally in the custody of Tarrant County authorities, but she may not be there for long.
Tonya Lynette Couch, 48, was booked into the Tarrant County Jail on Thursday afternoon on a third-degree felony charge of hindering apprehension of a felon after she was flown back to North Texas from Los Angeles.
Soon after that, one of her attorneys, Stephanie Patten, filed a motion to have Couch's $1 million bail reduced to $15,000, claiming that the "amount of bail set is unreasonable." The bail is six times the amount called for in Tarrant County's Bond Schedule for a third-degree felony.
The motion also says that Couch — who, along with her son, was the focus of an international manhunt after they fled to Mexico last month and he missed a meeting with his probation officer — "personally promises to appear at all court appearances hereon and to comply" with all conditions of her bail.
State District Judge Wayne Salvant could rule on the bail reduction motion Friday when he arraigns Couch in his Fort Worth courtroom. Or he could wait until a previously scheduled hearing set for Monday. If Salvant grants the motion, Couch could be released after paying $1,500 — 10 percent of the bail amount.
She would also be subject to a variety of conditions, including wearing a GPS ankle monitor, meeting regularly with a probation officer and, if she has not already, surrendering her passport.
Meanwhile, Ethan Couch remains in a Mexico City detention facility where he is fighting his extradition back to the United States. Ethan Couch, who is serving 10 years probation for causing the drunken driving deaths of four people, was captured in Puerto Vallarta last week along with his mother. It could be weeks or months before his extradition case concludes.
Tarrant County prosecutors have requested that Ethan Couch's case be transferred from the juvenile court system where he was tried in 2013, to the adult system where he would be subject to stricter probation conditions and punishments. If a juvenile judge grants that motion — a hearing on it is currently scheduled for Jan. 19 — the 18-year-old's case would join his mother's in Salvant's court.
Unlike her son, Tonya Couch waived extradition and was sent back to the United States last week, where she faces up to 10 years in prison if convicted of the charge of hindering apprehension of a felon.
She was taken first to Los Angeles and then returned to North Texas on Thursday where her arrival merited nearly celebrity treatment with news helicopters tailing her from Dallas/Fort Worth International Airport to the county jail.
Officers led Couch out of an American Airlines plane and into a black SUV waiting for her on the tarmac. She was later moved to a white van owned by the sheriff's office — with Sheriff Dee Anderson himself riding shotgun — for the drive to the jail.
News crews set up inside the jail's parking area captured video of Anderson and two other people taking her inside the jail.
At a news conference later Thursday, Anderson said the transport of Couch "couldn't have gone any smoother."
"She was very quiet, very reserved. She was respectful. Surprisingly, she was very appreciative," Anderson said. "She said the deputies on the way back had treated her as well as she ever expected to be treated."
He added that, besides his unprecedented trek to the airport to escort someone to jail, Tonya Couch's booking process was fairly routine.
One deviation, though: She was taken to a holdover cell and given a sack lunch after she mentioned that she was feeling sick because she hadn't eaten since Wednesday, Anderson said.
"Other than the eyes of the world being on us, this is normal day for us," he said.


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Reviews for Amsterdam HotelboatAddress: Postbus 16645, Oosterdok, pier n 5, Amsterdam, Netherlands
Rooms from: US$ 58.57
Ratings Explained
(Hostelworld.com and Affiliate sites)
The following reviews were submitted by customers who booked through our sister site, Hostelworld.com, in the last 12 months.
The ratings in the rating box are based on all-time feedback for the property and are the opinions of the customers who submitted them; they do not express the opinions of Hostelworld.com or our affiliate sites.
Overall Rating (91 Ratings)
Customer Reviews for Amsterdam Hotelboat
BrunoBepe, from Brazil ~ 9th May 2016
leahroethle1640, from USA ~ 28th Apr 2016
bscofiel8923, from USA ~ 25th Apr 2016
harrisondebord7796, from USA ~ 19th Apr 2016
angjialin, from Malaysia ~ 3rd Apr 2016
mustafaelmarakby9683, from Egypt ~ 6th Apr 2016
Florian, from Germany ~ 6th Apr 2016
renatasiffert5124, from Brazil ~ 1st Apr 2016


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Contains 2 essential PSAT tests needed for your study:
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A forum set up for users to discuss Cscope Metal Detectors.


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EDS01 Home
This site demonstrates the important role of the United States (U.S.) at the World Bank Group (WBG) and provides resources to U.S. businesses, civil society organizations, and the general public.
The United States was a leading force in the establishment of the World Bank in 1944 and remains its largest shareholder today. As the only WBG shareholder that retains veto power over changes in the Bank's structure, the U.S. plays a unique role in influencing and shaping development priorities.
Through the WBG, the U.S. participates in addressing international development challenges of vital importance. The U.S. has a long history of generously supporting the WBG's mission and has been a champion of the International Development Association (IDA), the Bank's fund for the poorest, which provides low-interest loans and grants to developing countries for education, health, infrastructure, agriculture, communications, economic and institutional development.
The U.S. Executive Director is nominated by the President of the United States, confirmed by the U.S. Senate, and represents the U.S. on the Board of Directors of the WBG. See detailed description of the governance structure of the WBG.
As an official of the WBG, the U.S. Executive Director has a duty to support the mission of the institution, as well as to represent the interests of the United States and enforce legislative mandates established by the U.S. Congress.
The U.S. Executive Director is supported by advisors who are detailees from the U.S. Department of the Treasury, U.S. Department of Commerce, U.S. Department of State, and the U.S. Agency for International Development, as well as World Bank administrative staff.
Constituency Highlights
Allocation of Votes by Organization
Member countries are allocated votes at the time of membership and subsequently for additional subscriptions to capital. Votes are allocated differently in each organization.
IBRD: Each member receives votes consisting of share votes (one vote for each share of the Bank's capital stock held by the member) plus basic votes (calculated so that the sum of all basic votes is equal to 5.55 percent of the sum of basic votes and share votes for all members).
IFC: Each member receives votes consisting of share votes (one vote for each share of IFC's capital stock held by the member) plus basic votes (calculated so that the sum of all basic votes is equal to 5.55 percent of the sum of basic votes and share votes for all members).
IDA: Each member receives the votes it is allocated under IDA replenishments according to the rules established in each IDA replenishment resolution. Votes consist of subscription votes and membership votes.
MIGA: Each member receives votes consisting of share votes (one vote for each share of MIGA's capital stock held by the member) plus parity votes, calculated so that the aggregate number of votes of category 1 and category 2 members is the same. Members choose which category they want to join at the time of membership. Category 1 members were originally defined as developed countries and category 2 members as developing countries.
Voting Status by Executive Director:
Spring Meetings: The 2017 Spring Meetings of the World Bank and the International Monetary Fund will be held in Washington D.C. from April 21 - 23. For information on public events or how to register for accreditation, please visit http: www.bankfundmeetings.org
Last Updated: Mar 30, 2016
The global role of the U.S. economy: linkages, policies and spillovers
Feb 07, 2017
Estimation and inference for actual and counterfactual growth incidence curves
Jan 05, 2017
Transit migration : all roads lead to America
Nov 07, 2016


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Hotfrog SouthAfrica provides information regarding Fairleads Engineering Works in Benoni Gauteng. Fairleads Engineering Works is located at 1 7 Pretoria Rd, Benoni Gauteng 1501 and provides engineering services. Contact them on 011 894 6672.
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This is an application for a Mentored Patient-Oriented Research Career Development Award (K23) with a focus on the implementation of cognitive processing therapy (CPT)(1) for post-traumatic stress disorder (PTSD) within a diverse community mental health clinic (CMHC). The candidate proposes to build upon her experience treating diverse PTSD patients by obtaining training in implementation science with the long-term career goal of narrowing the research-practice gap and, consequently, decreasing health disparities. CPT is one of two first line empirically based treatments (EBTs) for PTSD. CPT has shown efficacy(1-3) and effectiveness(4) across trauma types, languages, and populations. However, most community mental health workers (CMHWs) receive little, if any, training in EBTs such as CPT or use them in daily practice. This study is an initial step in creating a framework to address this implementation gap in a systematic manner drawing on established implementation theory (e.g., (5-10)) to understand and address barriers to implementing CPT in CMHCs. Research Plan: The primary study has a mixed-method iterative design with data analysis from earlier implementation stages used to evaluate, and refine subsequent implementation efforts. Specifically, the current study blends three distinct implementation frameworks: (1)Replicating Effective Programs (REP) framework(5-8, 11-14);(2)Consolidated Framework for Implementation Research (CFIR;(9));and (3)Proctor et al., taxonomy for implementation outcome variables(10), to guide an iterative open pilot implementation study designed to address the following Specific Aims: 1)To identify, assess, and address organizational context and provider level barriers and facilitators of implementation using a mixed-methods approach prior to the pre-implementation of CPT in a diverse CMHC;2)Further adapt and pre-test intervention methods and materials with diverse providers and patients in English and Spanish;and 3)Train CMHWs and pilot test the feasibility and acceptability of the modified manualized implementation protocol, and to initially explore its effect on patient outcome. We plan to evaluate this final implementation protocol for generalizable utilization across diverse CMHCs in a future RO1. Environment: The study will be based at the Massachusetts General Hospital (MGH) and the MGH Chelsea Mental Health Clinic and will complement a program of training and supervised research under mentors Drs. Naomi Simon, Marty Charns, and Debra Kaysen, with consultation from experts in community based research, CPT, and cultural competency. Career Development Plan: Training in the following areas will emphasize skills necessary for the candidate's long-term objective to become an expert in the implementation of EBTs in diverse communities and will lay the foundation for future independent investigation: 1) implementation science methodology and theoretical frameworks;2) CPT implementation in CMHCs;3) therapist supervision/leadership;4) cultural competency in clinical trials;and 5) mixed-methods data analysis.
Millions of Americans suffer from Posttraumatic Stress Disorder, yet many do not receive first line, effective evidence based psychotherapies such as Cognitive Processing Therapy (CPT) due to lack of training and implementation of these evidence based psychotherapies in community mental health settings. Challenges include the need to be able to implement these time limited, effective therapies in diverse populations and to increase access to these treatments in the community. This career development grant will focus on developing strategies to practically and successfully implement CPT for PTSD in a diverse community setting and will provide the candidate with the needed training in implementation science to become a translational researcher, focusing on moving evidence based psychotherapies for PTSD from research clinics to effective implementation in the community.
|Robinaugh, Donald J; McNally, Richard J; LeBlanc, Nicole J et al. (2014) Anxiety sensitivity in bereaved adults with and without complicated grief. J Nerv Ment Dis 202:620-2


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KNF Energetics is the branch of Kankakee Natural Foods that offers science-based wellness screenings. We offer two wellness screening services currently: the Asyra and the Bio Profiler.
Asyra The Asyra is an FDA registered EAV (Electro Acupuncture according to Dr. Voll) device. Asyra is one of the worlds most advanced health screening devices on the market. It is designed to non-invasively screen someone for energetic imbalances. Backed with over 40 years of research, this technology clearly continues to deliver life-changing results.
Combining the knowledge of homeopathy, physiology and quantum physics, the Asyra software contains digitally-encoded information relating to a wide range of health factors that is output by the Asyra hardware as electromagnetic signals during testing.
This technique is based on the work of Dr. Lee Cowden in the U.S. The history behind the Asyra is not new, and it is the culmination of decades of research and experience, building upon the work of Dr. Voll, over half a century ago. The Asyra was updated in 2009.
The Asyra is not a diagnostic device. All bioenergetics testing devices work by sending signals of some form to the body and getting a response, balanced or unbalanced, and reporting the response back. Re-establishing balance to the energetic pathways which run through all organs, glands and tissues may hold the key to restoring and maintaining optimum health.
This approach is not looking for any particular disease state, and therefore no claims of diagnosis can be made
Price: $100 Complete comprehensive screening with the energetic comprehensive profile. Follow up appointments $50 and $25 for allergy treatments.
Bio Profiler- The Bio Profiler is digital S-drive technology that will analyze a hair sample. Samples are digitally processed to create a personalized ninety-day nutrition plan, as well as provide information on personal exposure to environmental challenges like chemicals, heavy metals, radiation, EMFs, resistance indicators like bacteria, fungi, parasites, and viruses. A Bio Profiler analysis is capable of offering, scientifically-based insight in to your personal nutritional needs, as applicable to vitamins, minerals, essential fatty acids, amino acids, antioxidants, and food and additive sensitivities.
Bloodwork may be included with Bio Profiler analysis but it not necessary.
This approach is not looking for any particular disease state, and therefore no claims of diagnosis can be made
Package A - $255 Package B - $175
Blood work from Blood personalization
Healthchek ($160 Value) results from existing blood work
34 Page diet plan 34 Page diet plan
30 Minute consultation 30 Minute consultation
Package A includes the purchase and analysis of new blood work via Healthchek. Package B includes the analysis of existing blood work that the customer has in his or her possession, already. If you want to have the Bio Profiler done sans blood, the price for the Bio Profiler is still $175.
For more information on either of these screenings, call us at 815.933.6236.


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Everything from Charles Shaughnessy to James Morrison is included on this poll.
If you are wondering, "Who are the actors from The Mentalist?" or "Who starred on The Mentalist?" then this list will help you answer those questions.
In most cases you can click on the names of these popular The Mentalist actors and actresses to find out more information about them. If you're looking for a particular The Mentalist actor or actress, then type their name into the "search" bar to find them directly.
- 1
Alona Tal Supernatural, Veronica Mars, Cult
- 2
Amanda Righetti The Mentalist, Reunion, North Shore
- 3
Aunjanue Ellis The Mentalist, Justice, MDs
- 4
Gregory Itzin 24, The Mentalist, Covert Affairs
- 5
Owain Yeoman The Mentalist, Generation Kill, The Nine
- 6
Charles Shaughnessy The Nanny, Happily Divorced, Squirrel Boy
- 7
Pruitt Taylor Vince The Mentalist
- 8
Robin Tunney Prison Break, The Mentalist, Class of '96
- 9
Simon Baker The Mentalist, The Guardian, Into the West
- 10
Terry Kinney The Mentalist, Oz, The Unusuals
- 11
Deborah Ann Woll True Blood, Daredevil, A Drop of True Blood
- 12
Tim Kang The Mentalist
- 13
Eric Stonestreet Modern Family, Scare Tactics, This Might Hurt
- 14
Eric Winter Witches of East End, Days of Our Lives, GCB
- 15
Erin Sanders Zoey 101, Big Time Rush, The Fresh Beat Band
- 16
Heather Tom Rizzoli & Isles, The Young and the Restless, The Bold and the ...
- 17
Jack Coleman Heroes, Burn Notice, Dynasty
- 18
James Morrison 24, Suits, Space: Above and Beyond
- 19
Jessy Schram Falling Skies, Last Resort, Traffic Light
- 20
Michael Trevino The Vampire Diaries, Cane
- 21
Robyn Lively CSI: Crime Scene Investigation, Doogie Howser, M.D.
- 22
Yancy Butler Witchblade, Brooklyn South, Mann & Machine


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Are you looking for Mirrors in NORTH CAROLINA? Hotfrog showcases more than 300 popular businesses related to Mirrors in NORTH CAROLINA! Find a specific region or suburb using the left navigation.
Charlotte, NC
Custom installation of your pictures, mirrors and wall decor. Choose an installation service that services you home or office
More info
- 01/09/2011
- 11/07/2009
Zebulon, NC
Pro Glass Custom Showers and Mirrors of North Carolina offers custom showers and shower doors, mirrors, glass paritions and fogged window repair for builders, home owners and interior designers
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Rockingham, NC
Hotfrog US provides information regarding K & W Glass Mirrors & Remodeling in Rockingham NC. K & W Glass Mirrors & Remodeling is located at 504 Mill Rd and provides Home Improvement,Doors and Window services. Contact the…
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Monroe, NC
Hotfrog US provides information regarding Tal's Glass & Mirrors in Monroe NC. Tal's Glass & Mirrors is located at 3308 Zebulon Williams Rd and provides Retail,Houseware services. Contact them on (704) 753-4102.
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High Point, NC
Build your own custom framed mirror at MirrorShop.com. find a discuont mirror for floors, hallways, bedrooms or bathrooms
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Angier, NC
Mirrors reflect the beauty and charm of your home as well as adding dramatic decorative appeal. Let us assist in providing choices of mirrors and frames designed to enhance your décor. We will help you select the perfe…
Aeromach manufactures billet motorcycle accessories including mirrors, levers, handlebar risers, grips and fork bullets. All our products are Made in the USA. Distributor of Highway Hawk products
Glass ProductsMotorcycle MirrorsMirrorCustom Motorcycle Accessories
Lenoir, NC
Lenoir Mirror Company is a major US mirror manufacturing company producing commercial mirrors and wholesale mirrors since 1913
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Zebulon , NC
Custom Showers & mirrors installed by craftsmen with 25 years of experience in the Raleigh area. Chuck Kramer, former owner and operator of Diamond Glass & Mirror, has gone out on his own with a new company, ProG…
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International wholesale publisher / distributor of fine original artwork, limited edition prints, mirrors and custom framing who serve galleries, interior designers, art consultants, and architects who resell art
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Mooresville, NC
Frameless glass shower doors,custom mirrors, antique mirrors, wire shelving and laminate shelving,bath and home hardware ,Anything in glass!
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Cary, NC
Call City Mirror and Glass for all your residential and commercial needs. Same day window repair, shower enclosures, mirrors, tabletops
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Cornelius, NC
Home Interiors on Consignment, Furniture, Home Decor, Lamps, Mirrors, Art Work and more
Hickory ChairLampsHome AccentsFurnishings
Manufacturer of bronze, porcelain accessories, and mirrors. Hand made in Thailand
Glass ProductsbowlsPlatesStatue
Matthews, NC
Since 1985, S & S Building Specialties has specialized in providing
the finest Shower Enclosures, Closet Organization Systems, Mirrors,
Glass, Bath Accessories, Bathroom Partitions, Commercial Storefront…
Commercial StorefrontShower Doors & EnclosuresShower DoorsShower Enclosures
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Boone, NC
Western North Carolina's Premier Glass and Mirror Supplier. Framed and Frameless Shower Doors, Beveled Mirrors and More
Beveled Mirrors TabletopsGlass And MirrorPicture Frame Glass
knightdale, nc
Engraved or etched products on bottles, glassware, bricks, slate and mirrors
Glass ProductsEtched GlasswareGlassengraved wine bottles
South Brunswick, NC
Exquisite Glow Lighting is the largest lighting showroom on the East Coast With over 23,000 square feet of premier lighting, we feature chandeliers, fans, table and floor lamps, outdoor lighting, kitchen and ba…
Glass ProductsFloor LampsTable LampsTable And Floor Lamps
Wilmington, NC
Glass Doctor is your one-stop shop for home window repair, auto glass
replacement, marine glass and commercial glass services. Our
professional, uniformed technicians will diagnose the problem quickly,
give you a pric…
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Asheville, NC
Patti Bell established Studio B Custom Framing in 1981 in Ohio and relocated to Asheville in October of 2006. Studio B specializes in museum, conservation, textile and shadowbox framing and offers a large selection of fr…
Framed MirrorsReady Made FramesShadowbox FramingFrame Stores
Greensboro, NC
A Better View Glass & Mirror Inc
Our products: Complete storefronts
Commercial entrances
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Bullet-resisting glass
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Sylva, NC
Décor Glass excels with production or custom Graphics in and on glass and mirrors. Everything from office interiors to furniture parts, Tempered or Bent Glass, LED lighting (solar & turbine) both indoor and outside. As d…
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"Raleigh's Shower Enclosure Specialist" E.C.G.I. can take care of your glass and interior needs. From window replacement to Custom Shower Enclosures. Custom Shower Enclosures , Insulated glass replacement, Mirrors,Mirr…
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A space is designed with a purpose and it exudes a specific mood which depends on how the arrangement is done in it. Installing a lighting fixture in it will definitely change the space's purpose and the mood in it.
Durham, NC
J & H Glass is a family owned and operated business since 1970. We pride ourselves on offering unsurpassed service to all our customers. We specialize in the following: Plate Glass, Mirrors, Replacement Windows, Table…
Plate GlassTabletopsSide Windowsplexiglass
Beautiful window grills manufactured for your home. Specialized school furniture to meet your needs. All types of demonstration and visual aid mirrors for school labs, etc
Magazine RacksMirrorTablesBook Cases
Raleigh, NC
A versatile glass company specializing in frameless and framed shower door and tub enclosures. We offer a variety of custom residential and commercial glass services such as fogged window and insulated glass replacement…
Decorative EntryCustom Mirrors And GlassReplacement T-topsBathroom Glass Repair
Concord, NC
Infinity Glass and Mirror is one of Charlotte and Lake Normans leading providers of Frameless Shower Doors and Custom Closet Organization. Infinity Glass and Mirror is a local glass company located in Concord, NC. We…
Custom Mirrors And GlassCustom TabletopsBathroom Glass RepairBroken glass replacement
Muddy Creek, NC
Winston Shower Door is a manufacturer and installer of customized glass products including shower enclosures, mirrors, table tops and glass shelves, all available in various glass patterns
Custom shower EnclosuresShower Doors & Enclosuresglass shelvesTable Tops
Kannapolis, NC
Great selection of Area Rugs & decorator accessories for today's home. Oils, Framed Art, Mirrors, Lamps, and furniture at up to 80% off. Free shipping on rugs in Continental US."/
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Furniture City Glass & Mirror Co. has been providing custom glass, windows and mirrors for homes and businesses throughout Piedmont Triad and North Carolina for over 50 years. While specializing in glass for bathroom ren…
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We at Envision Closets and Shower Doors use nothing but the best products; Closetmaid Shelving, Alumax Bath Enclosures and MirrorMate Custom framing, as well as Harney Bath Hardware We hope you will call or sto…
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Mills River, NC
Old-tyme craftsmanship in the Stickley, Greene & Greene, prairie style one piece at a time. Period style furnishings, cabinets, doorbells. Custom made picture frames, tables, wall mirrors for the older four-square, C…
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Greenville, NC
We specialize in windows, shower doors, mirrors, tabletops, screens, storm windows, and custom applications Kawneer is one of our biggest manufacturers, and they supply store fronts to companies all over the wo…
Shower Doors & EnclosuresShower DoorsStore FrontsBathroom Fixtures
Winston-Salem, NC
Wilson Lighting Company is the leader in residential and commercial lighting for all areas of the home and office in Greensboro, North Carolina, and surrounding areas. We offer the largest selection in stock of lamps, la…
Glass ProductsLighting AccessoriesLampsOffice Accessories
Aberdeen, NC
Showers & TubsDoors & EntrancesPlate GlassGlass & Mirrors
Can't find Mirrors company near near NORTH CAROLINA? Let us know by adding the missing business here.
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Imagine you would like to pass primitive data types, complex Java objects like java.util.Data, java.lang.List, generic classes, arrays and everything what you want via URL parameters in order to preset default values on any web page after the page was loaded. Common task? Yeah, but available solutions are mostly restricted to encoding / decoding of java.lang.String. The approach I will ...Read More »
JSF – Eager CDI beans
Everybody knows eager managed beans in JSF 2. @ManagedBean has an eager attribute. If eager='true' and the scope is application, then this bean must be created when the application starts and not during the first reference to the bean. This is a nice feature when you want to load application scoped data (e.g. some select items for menus) during application ...Read More »
GET / POST with RESTful Client API
There are many stuff in the internet how to work with RESTful Client API. These are basics. But even though the subject seems to be trivial, there are hurdles, especially for beginners. In this post I will try to summarize my know-how, how I did this in real projects. I usually use Jersey (reference implementation for building RESTful services). See ...Read More »
Configure timeout for CDI conversations
CDI conversation scope is a nice feature when developing JSF applications. Imagine you have large data tables which take a long time to be loaded. You normally don't want to place the loaded data in session scoped beans by reason of high memory consumption. And you can't place the loaded data in view scoped beans because you wouldn't like always ...Read More »
JSF Event-based communication: New-school approach
In the last post, we learnt event-based communication on basis of Observer / Event Listener and Mediator patterns. Due to their shortcomings I would like to show more efficient ways for event-based communication. We will start with Google Guava EventBus and end up with CDI (Contexts and Dependency Injection for the Java EE platform). Guava EventBus Google Guava library has ...Read More »
JSF Event-based communication: Old-school approach
Web applications written in JSF consist of beans which interact among each other. Communication between beans is one of the main design patterns when developing a web application. Sometimes, one bean need to send events to other beans to inform them about some changes or whatever else. We can normally inject a managed or Spring bean into the property of ...Read More »
Dynamic forms, JSF world was long waiting for
The new PrimeFaces Extensions release 0.5.0 brought a new DynaForm component. Normally, we can build a form quite straightforward by h:panelGrid oder p:panelGrid if the count of rows / columns, positions of elements, etc. are known. That's true for static forms. But it's not possible to use h:panelGrid oder p:panelGrid if a form is described dynamically, at runtime. E.g. if ...Read More »
Custom JSF validator for required fields
JSF components implementing EditableValueHolder interface have two attributes ' required' and ' requiredMessage' – a flag indicating that the user is required to input / select not empty value and a text for validation message. We can use that, but it's not flexible enough, we can't parameterize the message directly in view (facelets or jsp) and we have to do ...Read More »
High Performance Webapps – Data URIs
I continue to write tips for perfomance optimization of websites. The last post was about jQuery objects. This post is about data URIs. Data URIs are an interesting concept on the Web. Read " Data URIs explained" please if you don't know what it does mean. Data URIs are a technique for embedding resources as base 64 encoded data, avoiding ...Read More »
JSON with GSON and abstract classes
I have switched to Google Gson after many years of using org.json library for supporting JSON data interchange format in Java. org.json is a lower-level library, so that you have to create JSONObject, JSONArray, JSONString, … and do other low-level work. Gson simplifies this work. It provides simple toJson() and fromJson() methods to convert arbitrary Java objects to JSON and ...Read More »


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Summary | Excerpt | Reviews | Beyond the book | Readalikes | Genres & Themes | Author Bio
In Eclipse Richard North Patterson cranks up the heat, as it were, on an already hot-button issue: the world's shameful and quite literally fatal attraction to fossil fuels. Thanks to Al Gore and his ilk we are all aware of the damaging toll petroleum use takes on our planet's natural environment. However, Patterson points out a fatal attraction in which the bunny-in-the-stewpot is much more immediate it is the murder of tens (even hundreds) of thousands of innocent men, women and children who have nothing more to do with oil than to live where it can be harvested. They may or may not stand in the way between world class avarice and its true love (oil). They may or may not even pose a threat. No matter - they are expendable. Their lives, and whether they live or die, don't mean a jot in the corporate and geopolitical worlds where oil is more sexy than sex; ...
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COLLEGE PARK, Md. (Aug. 25, 2015) — As part of an ongoing commitment to transform learning, the University of Maryland's Robert H. Smith School of Business has appointed one of its most accomplished educators to fill a new position focused on the student experience. Professor Joyce E.A. Russell, who served as vice dean prior to the appointment, has assumed responsibilities as Senior Associate Dean of Learning.
News Releases
A delegate from the University of Maryland's Robert H. Smith School of Business visited the White House today for meetings aligned with the school's 50/50 by 2020 campaign launched in spring 2015.
Thirteen student-run companies in the Spring 2015 Hatch Cohort of the Fearless Founders program have been awarded a total of $11,000 in funding to continue working on their businesses this summer.
The easy-to-use app allows students to search for and identify available scholarships based on individual preferences and key criteria
About the University of Maryland's Robert H. Smith School of Business
The Robert H. Smith School of Business is an internationally recognized leader in management education and research. One of 12 colleges and schools at the University of Maryland, College Park, the Smith School offers undergraduate, full-time and part-time MBA, executive MBA, online MBA, specialty masters, PhD and executive education programs, as well as outreach services to the corporate community. The school offers its degree, custom and certification programs in learning locations in North America and Asia.


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CIBC issues strong warning on Toronto and the surrounding ar ...
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Well, this may be the first time in recent memory a big bank ...
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The Canadian Real Estate Association has released its first ...
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Looking for an online alternative to generate leads without participating in rate buy-downs? Promote your professionalism and leverage your social campaigns on www.MortgageResource.ca. It's a model that consumers demand, and one which you can thrive in. Being part of a national community of mortgage industry thought leaders is the best way to not only keep up, but to pull ahead.All it costs is your time.
Well, we can all see that true North pays a ratehub good money for their leads, clearly… True North is all over all of the rates throughout the ratehub site… It would be interesting to hear what Dan at True North feels about this?… Will they keep putting the same budget in to Ratehub ?Also a good thought.. If great hub is going to hand leads out the same, then why would Laird move to a different a brand new brokerage, in fact ... Whole new brand.Jivan makes a good point, we as brokers have helped pay, and build a Ratehub "Brand".. Now that Brand is our competition.Will be interesting to see if the service stays the same to us paying brokers.
This should be no surprise. The obvious strategy of any direct to consumer approach (and a rate site is a direct to consumer approach by definition) is to disintermediate the middle man, namely the mortgage broker, and create a straighter line connection between online demand and manufacturing supply. This strategy necessarily inserts the "website and fulfillment center" as the new middleman. Brokers should not be surprised. They act as free and variable cost labor that is a useful surrogate until such time as the website hits critical mass and the economics support in-house processing and fulfillment.Amazon does not refer its book leads to Barnes & Noble. And iTunes doesn't farm out its online leads to H&M. Last I checked Netflix didn't enhance the business of Blockbuster.This would result in increased inefficiency, cost and extra layers that is counter to the "straighter line" mantra of any direct to consumer online strategy.The good news is that taken to its obvious conclusions rates sites will ultimately strive to teach consumers to "do it themselves directly" and in so doing sow the seeds of their own creative destruction as they develop a market large enough for the banks and mono-lines to simply keep and spend their fees financing their own "direct to consumer" online strategies.In the medium term they cannot win -they are merely a new middleman eventually ripe for disintermediation too - they are neither demand nor supply.Service and expert advice anyone?
This is fantastic news!!! All along we as brokers has a feeling that buying down rates is a sure way to shoot yourself in the foot and this model can not last. Since the onset of these rate sites it was obvious that the only brokers who are going to receive leads from these sites are those who are willing to work for practically nothing, buying down the rate to a bare minimum. They were counting on repeat business and servicing down the road. However, as it turns out, these customers don't value service all that much and are mostly concerned with rates, and so come renewal time once again the best rate wins. The existing broker obviously has learned a lesson from the first time that working for free does not compute, and so the second time around that broker is not willing to discount and the client goes away. This obviously lead to a serious decrease in brokers who are willing to purchase these leads from the rate sites, and so the rate sites have now been put in a position to start working harder and processing these mortgages themselves. They will also learn very soon that discounting rates to a bare minimum does not pay. As a matter of fact, even today, one can notice that their rates are not nearly as competitive as they used to be. I even started telling clients to go to these sites and compare their rate to mine. Let face it, if the model for these sites was so successful they would just continue on selling their leads, but there is obviously no one willing to purchase them anymore. TrueNorth is going to have to find alternate sources to make the bottom line work. Once again, to all the respectful brokers out there, don't sell yourself short. You are not an employee in a flee market, you are a business person, and respect yourself.
I'm thinking that there are plenty brokers that are grinning ear to ear about this turn of events.You know.. The ones are aren't rate whores lol
I feel no pain for the brokers that use Rate Hub and are whining about what Rate Hub is doing by opening their own brokerage.in "my personal" opinion, rate sites are a lazy and quick way to obtain clients, but these clients "normally" do not have any allegiance to the broker that obtained the rate for them. So are these brokers whining because they took the easy route and paid for leads and now they may get fewer leads due to the new partnership Rate Hub is forming or are they mad that they may get dropped and have tom work to obtain clients????
Just to clarify my comment of building the beast was meant to say that as brokers we are driving down rates by reducing our commission in most cases to . I had not read the release from Rate hub but now understand that they will be buying leads the same way we do. Our Market does not have a barrier to entry the same way there is no barrier to us developing an aggregation site. I have been and will continue to use Ratehub.
also on being a rate "whore" i'm far from it. I realize that there is a cost of procurement for each client. with the ratehub leads it was simply a small buydown to stay with market rates. As a matter of them operating a successful brokerage more power to them. As I said i will analyze my position once they have actually launched. And consumers ARE using these sites. Its advertising, with a lower closing ratio then traditional referrals. For people who are only rate sensitive then they will flow to the lowest rate. No matter how good or bad the product is. It hasn't been bad for my business at all.
Michael, Dan has sold True North
@Jivan"I had not read the release from Rate hub but now understand that they will be buying leads the same way we do. ........ I have been and will continue to use Ratehub."May want to dig deeper into that comment. How can this work? RateHub pays RateHub for leads, net result on their financials = a complete wash and paying $0 for leads. Not on the same playing field and not as "transparent" as they said they are being. This would be very concerning to me if I was to ever consider advertising on their site and believe most big, long term thinking brokers would agree.
Love Farnsey's post...too funny!
Ratehub needs to make some changes to their system which has been taking forever. They charge $70 for preapproval leads that are junk. They don't allow brokers to put rate and product details on their offer page, therefore the broker gets more junk leads from clients who won't qualify for the rate product they 'think' they will be approved for. Top it off with this news of starting a brokerage and it just gets worse.
They corner the market online with rate discounting and then they pop this news on us...read your history folks...that's a Standard Oil tactic...In essence, you are shooting yourself in the foot with continued support of this outfit...not only will you be paying them for the leads, you will be be subsidizing the operating costs of their brokerage division...The brokers who bail will hit their bottom line hard...and of course, by design, they will have to post as having the lowest discounted pricing to generate finder fee revenues...so there goes their lead-generating income...My money is on Eisner to bail out first...
@Ron...when did Eisner sell True North...?
Just to be clear I am not "Ron" mentioned above nor I do not believe that Dan Eisner has sold a controlling interest in True North. As I read through many of these anonymous troll posts there is the usual recurring theme. Rate Sites bad, brokers who offer the public discounted rates are dumb and evil, hurting the "good" brokers who offer higher rates and brilliant mortgage plans and great fridge magnets; Yada, Yada.Heard this this all before about a thousand times. Simple fact: in the future more and more people will search the web for mortgage information and rates, the consumer will grow more educated about mortgage products and more informed about competitive rates. Lenders, brokers and all others will have to sharpen their pencils, work more efficiently and effectively and deliver what the consumer wants. The consumer will be the one who decides how they want their mortgages delivered to them: not brokers, not lenders and not rate sites. Whoever does the best job for the consumer will win their confidence and their business over the long haul.
Well said Mr. Butler
lol for the record I don't think buying down rates means you are working more efficiently than anyone else. I am actually insulted when a client expects me to work for nothing so they can get a better deal than the great deal Im already offering, so Im glad there are folks like you out there so they have some place to go. BTW I know a lot of brokers that just offer the best discounted rates and great service, no fridge magnets or yada yada
@ Ron.............. what you said must be true, that is why you keep your name a secret.
Economics will always prevail. If they can make more money by processing mortgage applications rather than selling the leads, then they will. And so they should. For those of you whose business relies on these sites, you are in trouble. Good luck to Butler and Eisner. They will need it.
@ Ron Butler ...my name is not a secret you can call me Mr Ron if you like. I guess when you buy down rates as a business model you believe everyone else is untrustworthy.
@George....do you really think that if Rate Hub starts consuming a majority of the leads through their own affiliated brokerage (as some fear) that another, similar site (or several) won't pop up? If there is a demand for the service then there is a business opportunity for whoever is willing to build the next site. There certainly isn't anything groundbreaking about Rate Hub. Build website, attract brokers, advertise rates, dump money into SEO and Google adwords. Voila....Rate Hub 2.0 is born. What's happening to Rate Hub right now makes it abundantly clear that the strategy works....and that the momentum behind it is growing. Thinking that online origination, purchased leads and steeply discounted rates are going to magically disappear just makes you sound like someone who has their head in the sand. Brokers who share this mindset will very soon be the ones needing the luck going forward. As Ron Butler mentioned earlier, what you want or how you think the business should work is of very little importance in an open marketplace.
@ Ratey..... Good point. There already are 5 other active rate sites operating in Ontario and more on the way. @ George ..... appreciate your good wishes. @ Mr. Ron .... I am not sure if that was a cogent sentence but at least we know exactly who you are now.
lol ..When you can't buy down rates any more you can try grammar school. If memory serves, my LA teacher had zero customer service skills.
This site use to be good for "professional" conversations and comments, it has steadily gone downhill due to comments that are allowed to be posted by people not using their real name. I really hope Mortgagebrokernews.ca will not permit comments to be posted if a person does not use their real name. I feel a lot of these postings are just to stir the pot by agents to unprofessional to use their real name. I may not agree with everything said on here, but I shouldn't attack the other person while hiding behind a fake name. At least Ron Butler doesn't hide. I may not always agree with him, but I respect him as a professional that uses his real name when posting a comment.
Our industry has gotten to the point where too many people spend too much time focusing on what other people are doing, and not doing enough to dedicate themselves to keeping and growing their slice of the pie. I've stopped caring a while ago and since then things have been fantastic. After 11 years I intend on accepting the changes that come our way, dealing with them productively and trying to better myself as an agent. Some good, some bad, but change brings opportunity.I will say though, anyone who would still support RateHub is short-sighted. The massive database, social media follow and potential conflict-of-interest they pose is huge, and you're doing yourself and the industry a disservice by competing within the game. Get off the train and focus on building a better business.
Just throwing something out there that isn't really being addressed....If I am a broker and advertising on this site. I am paying $50-$70 per lead, but am I paying $50-$70 per closed deal?? Aren't closing ratios historically bad across these sites making the actual cost per closed deal exponentially higher??With rates being so aggressively tight and now I am broker paying $500, $1,000, maybe as high as $1,500 per closed deal, wouldn't that have a direct impact on my profit and how much I can buy that deal down to stay competitive vs all the other "rate whores?" True this is acceptable now, because all the other "whores" are on somewhat of an even playing field,.. RateHub now also becomes part of the industry whore house but pays $0 per lead AND closed deal. Yes they said they will pay for the leads like everyone else, but I made a comment about this earlier as well....something along the lines of, out the front door..in the back door (no in the backdoor pun intended as I am sure some brokers are feeling some pain there right now). Does that not just allow them to be much more competitive with their rates while still being more profitable in the long run?? Plus they are in direct control when they want to have the best rates being offered. All while already having a strong web presence that was and will continue to be built and paid for by their competitors.Not sure I have completely understood why brokers should continue to advertise there yet.
Their closing ratio is under 10%. So, doing the math, you're simply trying to get more and more people and hoping to market to them down the road. If 10 leads cost $500, and you can close 1/10, and on that one you're making 35 bps or $1500, then you're up $1000. BUT, to work those 9 leads will take up time, when you can be devoting to getting better business that may not suck you dry.Bottom line is this: some people pay for service, some don't. The mortgage pie is big enough for a lot of good agents & brokers out there.
Wow, great thread everyone, I leave for meetings and miss out on all of this...We currently use ratehub, and will continue to do so, yes this brokerage announcement will have us monitor it even closer, and perhaps we are not the biggest fans or rate sites but they can work. What everyone seems to be missing.. Ratehub is just a small portion and only 1 avenue to generate leads, whether its SEO, Social Media, advertising or even the old B2B network breakfast on a weekly morning (too early for me)... they all have their place, and all can produce leads. Yes the rate sites take a certain level of broker to be able to handle those "lowest rate" calls, and usually that broker needs to be seasoned, have volume and be able to convert those tire kickers, I mean, its the consumer searching for the rates, and as many of you agree, you can't control what they search...at least they are finding brokers, and not banks.As for the professionalism we are witnessing not only on this thread, but across the industry...well @Robert Stanfield, you said it Perfectly.@ Ron Butler, again, you are just stating how it is, and not everyone agrees....BUT, thanks for taking the time to share your experiences on here, this is our broker forum, for all of us brokers to learn.... its not meant for us to agree.Good chatting with you all, and good on you all to even give a care :).Cheers.... and Keep it Classy Canada
There's already a glut of rate comparison websites. What's the point in having 15 or 20 different websites? The rates will be the same across the board and lenders can easily make life more difficult by limiting the amount of buy downs that a broker can do. In fact some lenders have already put a limit in place. If the rate is lower at one site by one basis point then what you'll have are consumers pitting all the competing brokerages for one basis point. If you believe that this is an effective way to run a business all the power to you. But let's not confuse mediocrity with being at the forefront of technology because the two don't always mix. Just because you are choosing to be part of something that you believe is the future does not mean it is a smart long term business decision.The newer brokerages who are joining these rate websites are trying to avoid doing the hard work that it takes to build a successful business. Why cold call, door knock, network, and engage with your past clients when you can just sit at your desk, fire up your computer and wait for the leads to fall in your lap. After all, we are living in the 21st century right? Good for Ratehub for starting their brokerage. Why get paid $70 for a lead when they can close the most promising leads themselves and even with buying down the rate they can make a few hundred bucks? They already handle all the marketing, the SEO, the social media engagement, not the brokerages who advertise there, may as well leverage that and close the leads yourself. The online leads will continue to play a tiny part of the mortgage market. As my colleague Jake said the mortgage pie is big enough for everyone. Buying leads online is one strategy to get business but in my opinion not a very good one for most brokers unless you're willing to invest a lot of money buying leads and sorting through all the crap. I'd rather spend my time going after higher quality clients and that entails work that fewer people are prepared to do.
The next BEST thing will be a rate site that compares rate sites, Lior!And then a rate site that compares the rate site comparison rate sites.Eureka!!
@Jake.... its coming...
...now Eisner is looking at legal options against Laird...the drama is only beginning to unfold...
@Lior I think sometimes some of the more experienced brokers forget that newer people like myself are trying to build our book of business in a very different environment than when they built theirs. If I had a database a few thousand deep, I would undoubtedly look at things like Rate Hub and buying down rates as a plague on the industry as well. Reality is though (and this comes straight from the mouths of agents/brokers in my brokerage) that it's far more competitive out there now than it ever has been. Agents with 10-20 years experience in my brokerage are mostly down year over year. They tell stories of being able to beat the bank on rate almost 100% of the time in the good old days....mortgages practically falling from the sky. Ok...a bit of an exaggeration, but you get the picture. In super competitive times, relying on an existing book would be a dream. Many newer agents don't have this and I am of the opinion that nothing is more lucrative than a book....and I will grow that book no matter what I have to sacrifice in the early years because I know each client I add offers potential future business, referrals, etc.You might be inclined to conclude that these types of discount hunters are not the kind of clients one would want. I'm honestly not finding that at all. They are certainly more difficult to lock down in the beginning...no question, but once I have an opportunity to work with them and take them through the entire process I end up winning them over on service, personality, etc. and even to my own surprise have been referred with the same frequency as other business sources.Call me a rate whore, call me lazy, call me whatever you need to in order to feel better. But until you decide to sign my paycheck, I will do whatever I have to in order to grow my business and my network of influence. I have bought down 15% of my business this year with most of that coming from rate sites like Rate Hub. I use these methods to supplement my growth so that I may one day have a book to rely on through good times and bad.Sidenote: Half the people complaining on here say Rate Hub is too much work for not enough pay. The other half say it is a lazy shortcut for slackers. How can it possibly be both?
I've never used RateHub, so I have never read the terms outlined in their broker agreement. Does RateHub retain the contact information of the leads they process, and will they be allowed to target these clients when they become a brokerage? If so, they will be starting off with a large list of clients and will fight to take away the very leads they provided to the agents who paid to use their service.
@ Jake Abramowicz www.ratesitehub.com?
@Newer Agent...re: sidenote...My 15+ years in the business renders me to believe it can be both...there are no absolutes in this business...what works for one does not necessarily work for another...so you will always have sides who differ in opinion.A rate site is analogous to fishing...you have a nice shiny lure, you plunk it into the water and hope for a bite...and if you land a fish, you still have plenty of work to do before enjoying the catch.......not that old school footwork and face-to-face selling practices doesn't have its fair share of challenges, but meeting person-to-person is far more rewarding both emotionally and financially...Don't worry about the book of business...keep on plugging away and it will come.
@ AnthonyC......... While you are correct there are always going to be clients who want personal face to face service, there is a growing group of very good clients who simply want speed, efficiency and in their lives they do a huge amount of the business online. @ Newer Agent..... so many things you said are so true, this business has reached a new level of competitiveness for "A" mortgages and it will only get worse.@ Jake ....... you are actually quite right I expect to see a "site of sites" very soon, maybe the Trivago guy will do the commercials.@ Lior............ there is one thing online lead generation can do for a mortgage brokerage that is hard to achieve any other way: deliver the low rates consumers want and scale up a business without adding commissions agents.
at the end of the day, banks, brokers and rate sites continue to affirm the most important thing is price. People don't care about service as much as rate, they don't care that you will call them three times a day or give them advice/stragtegy, they don't care that you will pay for the appraisal, if you won't the bank will and beat your rate, plus give them something else for free. The industry continues to move in this direction, the writing is on the wall. Prepare to work harder to make less money. Eventually the industry will move to just having brokers working for the banks or huge brokerages with an underwriting pit. Those people will be salaried or earning a small commission on each mortgage. The Race to the bottom is gaining more and more speed each day.
@ race....... the lesson is technology drives better deals for consumers. No one can escape that fact.
@Jake... if the Trivago guy does a mortgage commercial we are screwed..by the way, he said thanks for letting him sleep in your car last night....
A number of very good posts by all the participants. Rate sites in their current and future form will be here to stay. The consumer wins and mortgage brokers will need to work harder and smarter. Embrace change.
For now anyway, I don't think that rate sites are much of a concern in my area. It's hard enough to get someone to see the value of a mortgage broker vs a bank let alone a rate site. Properties here in NB just aren't priced enough to make it worth discounting commissions. I guess you take the good with the bad. A 250k mortgage here is one heck of a great mortgage for us and there is no buying down the rate. We don't see too many deals above that, but then again, we're not constantly shopped to death by consumers that have been trolling rate sites.
I'm curious to find out what blog system you're using? I'm having some small security issues with my latest website and I would like to find something more safeguarded. Do you have any recommendations?
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Linda Paulette Shirley
March 26, 1949 — July 11, 2013
Linda Paulette Shirley died peacefully Thursday, July 11, 2013, surrounded by her immediate family at her home in LaGrange, Ga. At 64 years old, she lived a blessed and unexpectedly productive life, all the while proudly carrying her Down syndrome banner.
A native of Spartanburg, S.C., and former resident of West Point, Ga., and Morgan City, she was gainfully employed in the newspaper offices at West Point, Ga./Lanett, Ala., and Morgan City, where she opened mail, swept floors, filled soft drink machines, inserted printed and preprinted sections of the newspaper and harassed sports editors for information on one of the loves of her life — the New Orleans Saints.
Linda is survived by her brother and sister-in-law, who were also her caregivers, Steve Shirley and Jean Callaway Shirley of LaGrange, Ga., brother and sister-in-law, Andy Shirley and Erin Shirley of Morgan City, and a sister and brother-in-law, Becky Shirley Hymel and Kevin Hymel of Asheville, N.C.; nieces and nephews, Dusty Shirley of Douglasville, Ga., Charlie Shirley of LaGrange, Ga., Jonathan Shirley of Harvey, Christopher Shirley and Allison Shirley, both of Morgan City, and Ashley Hymel Hudson and Jon Eric Hymel, both of Raleigh, N.C.
She was preceded in death by her mother and father, Doyle E. "Red" and Lucy Shirley; maternal grandparents, Clarence and Gertrude Lowry; and paternal grandparents, Jones and Nettie Shirley.
Visitation will be today, Friday, July 12, 2013, at McCarthy Funeral Home in West Point, Ga., from 6 p.m. until 8 p.m.
Funeral services will be held at Floyd's Greenlawn Chapel, 2075 East Main St., Spartanburg, S.C., on Sunday, July 14, 2013. Visitation there will begin at 2 p.m. Funeral services will follow at 4 p.m. at the chapel. Burial will be in Greenlawn Cemetery, where she will be laid to rest alongside of her mother and father. The Revs. Ken Crabb and Brandon Hudson will officiate the services.
McCarthy Funeral Home in West Point, Ga., and Floyd's Mortuary in Spartanburg, S.C., are in charge of arrangements.
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