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Jan 14, 2017|
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Hello you listen to house plans JD Nelson. Here. This morning to live to believe it or not we have been gone for. Three or four weeks. Christmas New Year's Christmas parties. It's never been a little bit everything that Chris is actually not in the office today may. I do you have mr. Keith Clark with me today Keith are you good morning good morning I figured Chris would bean plants in this morning M in the they parading claims there's three people nine Clemson. This morning me and into us that's sort of a and I can't speak free I'll Toobin I'm glad I'm not there I've got a client this thing and I were like yeah yeah. Everybody in there was enough that way I gas. It will be testing at the same this morning via. Going to be a lot of to stand there be standing land outside stay out of our singles on Twitter this morning and they were yet there were a ton of people selenium say. But what a football game there was a gay game goes again gained oblige and congratulations to all my closest friends as much as he has to say absolutely. They they deserve it and we all wish the shine a farewell. And only universal. He has yes idea Ayers and don't come back. I think we've had a lot. We've had enough and he is serious sex Carolinas Atlanta seemed we are that's Fisher asked toda ration their riches. A brother in law who worked with the server can only then can I take things hard I'm not be it's and told him I said look you can't focus on man you need to focus on her under house where about what we're doing. Sent in and you guys have a little work to do don't should we gave we gave them much emotional neutered or insert. He's it is it is not will be out work approach that certainly is take your optimistic now. Interestingly enough our remember when Steve Spurrier came to South Carolina he were not as optimistic. Are questioned whether he can get the job done. You know and I ended up in. He actually did a great job in Carolina. The problem wise was to gain passed him. And when I say then about the game itself but the game is recruiting. And yet he just he just you know coming out he had ordered in. They're worried about sophomores and juniors I heard somebody say this week about. Talking about the way he left that they thought that was way out of bounds when he did Galen and aided and believe me warm because he's so yeah among Caroline in the nation so he's building didn't a good record. Of war and Eilat Muhammad did a great job menus they are mean you know as far as a game player gears. I mean. You know back in his day he was his views are why are Clemson fans don't want to hear this what they want here is. The celebration in the states yes it is going to be a celebration it's what a game that I thought daughter you know we always think of the Alabama as a professional football team. Why does -- say yes there is no right to bring me like did you hear we've I watched duke one time in the regionals here yet all I had to get at them and they look like a professional basketball team when they come out yet they gave you an Alabama looks like that but Clinton. Clinton whipped them they did it again the longer win the more chance cause and the wind in my opinion yes you know I could tell. Around the middle third and other countries knew that two minutes laughed at too much was too much yacht totally. What good friend of my closest thing and I think you know way out of Erica when they gain was if he kneeled ailment last touchdown. Elected half yard line but I. And they tried to run in the cotton on the about 45 seconds and then ran AM on third or fourth down and that's the only way you're believed to shine mourn a minute. You know they're going to and the fields or in terms anyway that's the way it worked out but it was a great game watching congratulations to our puts him. I had a a wager on the game passel Alabama would win a cup they would take my hand he was just to launch wager. But anyway it was my idea future brother in all sort of took him to lines. And he said everything looks a little clearer politicos that creates her it is our own at least is gloating I wonder if crowding Chris was going up there today acting Q is. When did I hit some hell's going on in the sands in and not Tampa they had a lot of fans and city people. My brother and all went down he couldn't get to take it. I had a client who went down and he he went to get something needs somebody walking and said next to him and had one ticket line now any pay was 600 somebody got it for face that. I'm not that this period in a lucky pressure. So and innuendo we're glad to be back we are gonna talk a little real estate today. The final numbers are. Are the victim a final numbers that we are urged him are our talk a little bit about that talk about the forecast in the 2017. Has some great news to share for. New program accounting bank will be offering. To a lot of our clients which you really need to listen in to this should be really did some more than just a program multiple programs possible lemons into Larry underneath underneath one brand Betty is alias six or seven different. Benefit yeah we're pretty excited about it so I anyway if you got a question or comment give us a ring this morning the phone lines are open. 86644. Twos seventy fat 53 that's 866. Four or 270 fast 53 to text line is open as well. As 71307. So either college or shoot is attacked we love to hear from me and will be back right after this. That's right. Welcome back the house plans JD Nelson here with county bank mortgage. Keith Clark here with the buyer's broker we are taking your questions or comments feel free to give us a ring. 8664427. The fat 53. Or she is a text at seven win three or seven by lines and Tex lines are open. We are glad to be back here in this new year of 2017. I appreciate our listeners and callers from last year in. You keep a thought to be probably a good idea since this is our first show of 2017. May put a battle 2016. And you know the down another great year in real estate here in the state records another record here yeah and you know one of the things that jumped out to me did our. Little boring had only carry bank yesterday. We get together we are kind of talking about near wrapping up the year and into different things and you know one of the things that really jumped out to me in and you have some analysis that you like this year as well. But when you look at the sold its volume in 2012. You know one point three billion. And you look at the sold from last year two point almost six million. Yeah it almost went to double us remarking in in in volume and that's and that's an unbelievable number to me distant for five years. For yet here is who is very. Interest staying in their courses take font shared a lot of reasons but it's if the primary function is that interest rates were so alive. People were able to buy so much more house and then the total volume of purchase. Just rose dramatically. Ian and really. Does serve good that's I don't know if it's a good unintended consequence sore right. You know in the long term these aberrations sees unintended consequences. Generally speaking are not healthy overall. For the market because a marketplace works most efficiently. When I'm. Repeated by incentives and or government to right. Meddling if you will. Yeah right well I thought it was I thought it was a great year I think I think you are much actually a little stronger techies sit 6% mania. In the W seven almost 8% which is pretty amazing out seven point eight. Lot of sold in December Nam 33 Aminu is just a lot of positive momentum heading into this year. There is but but again we probably will see a little bit of all the predictions. All the national. Conversation. Is a batting at the rate of increase slowing a little bit here these liar says that we don't seem quite so much. Appreciation or demand now having said that. We've got a couple of new builders and tam production builders that are common on the land. But look at the inventory JD yeah people out of 4000 this never I've never seen it even close. And that number so very surprising. In a little bit distressing railing put us. I think it's I think it's great that. You know. The market itself has recovered so. Greatly. You know a bit but like you said in an inventory I tell you one of the things I think the low inventories really pushed. Fed up had a half dozen conversations with. People who are are you know either already doing their on the construction road or getting ready to start the construction right. The builders around here got to be loving it I mean it seems like a lot of people can't find what they want it in a decided to build. It's. Absolutely and Betty and that is JD a function of Lehman toward. You know it's a function of the right George if I can't find and what I want to know what I need. Then why don't I just build and then of course just building presents some. Challenges that. That. There are more that are more. Difficult to get away is the end UN Tisza. It's not as easy is their right thinks it's not impact. I don't say they know how to say that well I say just every in in this may not be butcher currently about you know every husband and wife becomes insisted on me was talking about the financing peace and I construction thing innocent limited Ian eagle need to worry about the financial. What you need to worry about his relationship you guys have with each other guys that this is going to be a strain over the next hundred older of course yeah of course. Anyway but you know one of the things it really just after meaning you look at 2012 that was an upward tree and 2013. You know eight and a half percent 201413%. 2000 feasting your every year is gone. In almost almost double digits each year army at least 8% each year. In an engine support came on the air was thinking JD to listen it is it the market turned down more ingrained old. In November of 2070. Now it turned everywhere else earlier we were late to that yeah. But it went down five years and now we're out of it yeah more than five years and amazingly it is. Sent blood being edged thing going on I think in the new year you know. I remember one of those years we said we're gonna sell when morehouse Grasso winless house have. Expect and again and increase method is going to be more than 2% range again you know maybe a little more in just one house is tongue in cheek but now while. Talking about is the number of transactions not to me right Christ you're right that will will expect to see continued appreciation. Although their bill little bit headwinds and obviously interest rates are gonna we're expecting us the Fed yet Tim. To do 33. Rate increases this year. I don't necessarily mean long term mortgage rates will be affected great pride that at the same time. The the baby boomers in the milling meals will drive the market over the next next year. Yeah I think they really it was ten years really now I agree with you there's a lot of them out there and there's a lot of mini divine in and you know interest rates are still good. Your thirty year fixed you're still looking at around 4% may be just north of that. Touring your face is still south of 4% you can get that has threes and of course to fifteen years in the low to mid Teresa there's still a lot of opportunities out there. On both for refinancing and buying him back but. You know we are expecting racist sort of they flattened out at this will not push up upward since the election. They have sort of flattened out here in the last couple weeks I'm expecting it to sort of stay in that range. Maybe a little bit will they dale you get that little you know I don't know the rules there are. But I don't expect them to go up too terribly much in the next year. But I think they won't be more of an upward trend and then in downward trend pressure. So it will be interesting to see you know how that shakes out now. In 2017. So yeah we talk about the millennial skis obviously a lot of first time homebuyers in that group and you know be very itching to see. I think just for the production builders are really sort of investing their money. Me and waiting on those guys games in the gains. Yes thing you know they adjust their price. Point based on the the majority. Of purchasers what they're they're capable of purchasing. And you know during the very very low interest rates. We are seeing a lot of production homes and that 250 to 375 right. That's probably gonna come down a little bit yeah where we see more production homes and it. Maybe 225. To 350 range yet verses that power in because you can bass you know when interest rates were 3% income maulana house he had it right so will Salem but a change there. Yep so what does so tell me what you think about 2017. As far as predictions Gary are you agree with me that. 2% increase maybe I am yeah I'm a readjustment really is where we are again. And I think I think are increasing number of transactions. Will be we told about this last year. This really a function of the migration of people to the upstate particularly its South Carolina and the states in the southeast. Here because we have we're gonna continue to have a net gain in population has that. Right migration a baby boomers occur. That's hilarious what are Fred traffickers are pretty true out its its going on with the present ideas on why her indeed seeking a we have so many people mean. I'm taken. Two or three transactions that well you're involved in a few of them today. People that we're moving here from Massachusetts behind me here from you know Connecticut people living here for Illinois. Lot of people moving here to the Greenville area for a lot of different reasons right now some have relocation job relocations some Summers is relocating and find a job when they get here. Well we hit we always had a strong corporate market grind we always have had. The corporate relocation is a big segment of our. Have our real estate market but what we're seeing now is people moving. From all over the country the baby boomers that drug retiring. And I solve. I don't know on television or the web where grain will hand. Sixteen. There. National. Articles. Written about it during the last year wow publication it's amazing. Oh brutal South Carolina as Yahoo! would it's not clear. So I was pretty amazing wealthy got a question or comment we love to hear from me this morning give us a ring an 866. For four to seventy fat 53 again that's 86644270. Fast 53. And of course if you got a text that you like a sinister feel free to shoot dead over 713 or seven but the takes planning and phone lines are open. I got told to keep everybody's in close and so we're just talking to each other and into those listen in so. Let's talk about the baby boomers and Montauk Amanda well we can't what are they gonna do next year well I had a guy Taylor won I'm gonna do when I was gonna sell us out. That antimatter is having eight days yeah yeah less than nineteen. Less than 90 out me I am one of those baby boomers who yes. Right sizing rail here so I'll be selling my home and there's been into a town house. Yeah first quarter of milliseconds. Quarter chair and Roubini finance and the escape cussing and saying that's right that's right. And you're seeing that a lot what what what about the I think the real conversation JD is the millenniums what are you gonna do a fact I think I said baby boomers. But what I meant was. What are the millennia it's gonna Dave because you know it. Statistically there is large is the baby boomers in terms of popular no I didn't know that yeah yeah so they are back in the gang. They are they're maturing a little bit and deciding that homeownership is. Is something that they should participating and well I'm excited about you're about to mature maturation of the outgoing almost always be positive as Olivia. Yes and so they're realizing that. That. It may be banner house is not such a bad thing right so let's get the gang. In the in the equation becomes. You know what is their philosophy. Going to be is going to be the suburbs is going to be the CD is going to be big he's going to be smalls are going to be renovated is going to be. By and moving conditioned. What what tell what are they looking for were they thinking about compromising on right in so who that there the articles evaporated. Said that they're going to be a little bit flexible they're going to be a little bit yeah we'll talk about that a little bit. Don't do that for sure we got our first caller on the while we get Clifford on the ferry and this LA Clifford are you. Tomorrow. Are you doing today. Around you're the greatest Belmont house but who are on story a lot on modern du lac. Would you grade so much out been remark hurt how hard is it to get a reconstruction alone already. How it was built it fifty. Com. Not very hard you know the renovation plan is not as easy as a standard go out find a house put a down payment on a gate thirty year faced the on ice crew ideal. The different pieces that you have to think about our number in mind. Have a specific plans and and what exactly are you gonna do as square footage. From. You know read or heard us say that again. As square footage. Yet talked to us a little bit about that so you're gonna sell years are you gonna need to running improvements in preparation for selling Clifford or you are. Little bit but not much. Just so you can do some cosmetic improvements pitcher on the market yet take got out of there. Under territory now under where it is at the two Bartlett. Or about forty full basement two car brought to underneath that element out this way too big. Yeah are you gonna order did you inherit. The hat your mother's house are you gonna have to back purchaser. Earliest that we are. Apart every kerosene gonna have a third equity OK and then tell me a little bit about the renovations that you plan on doing. Patton. As a master bath. In order in the bedroom Georgian kitchen okay now sounds great probably had the victory on the intrepid to up forty to the back out. Yet Vanessa this'll be your primary residence. Yes okay. I'm typically don't know renovation loan you're going to be looking in 80% of improved value okay. So when you got your plans suspects. We're gonna have an appraiser come out and let's just say it is worth a 115 now. Your Clinton fifty intuit is going to be worth Tutu when he at the end of the day or something and candid camera present. You know we're gonna take as improved after the improvements are dying. Subject to appraisal and we're gonna live up to 80% of that now obviously part of the money's gonna need to go to the other two thirds. About a house from him you get to figure out how much the cost is going to be after talking to a contractor. Give them money and just got to do your math and figure out okay how much can a bar and you're selling your house you can have some money coming in from that side. Well here come. How it or praised the war between 230. Who ordered the army and I look underdog that probably don't have you know come now with Arkin. Do without. Foreign and all of a construction all yup yup okay I'm. Think it would be interest rates that they or what you know interest rates compared to paint carousel yeah what. Thank god put your good listener getting it into a bottoming Aubrayo hold on tight I would come to your right after the break okay. Listen to this health plans will be back residents. Welcome back you listen and house plans JD Nelson here from Kenny main mortgage Keith Clark here with the buyer's broker. We are taking your phone calls and text 866442. 7553. Or feel free to text dissent at seven point 30% and so Keith we do have a text question we're ready get to and only give back. To our our caller that called in regards to the renovation. Com how do you seek Kiel week key as a development going forward. As far as values going up or down a key week key. Firemen were right has had some. Hasn't had the appreciation of the year. That may be some of the areas and of state it has an MI correct in saying. Generally speaking there would be true now having said that I think we wanna talk about it in the context of the last ten years but is coming we do have to go back before he got hurt pre. Three downturn. That would be a different conversation right but most of the homes and MR IQ we key were probably built 4045. Years ago I would I. And maybe the appreciation during the upswing has not been. What it was here but you say gracefully is a little bit of a unique market. So hard and that the immediate gringo proper market has returned nicely but when you go into the parade feel areas. I. A return to pre downturn levels rise we have had. In the Greenville proper area there nail well at late Kiel week that the lake front crop property. And the like kiwi has done fairly well. But that interior lives. Have not returned to break pre downturn level impact did that activity. In that area just has not too. Return to what it was during the pre down right where right where in the upstate we've reach reach achieve that is. Yes you know escape Willis and only give back to the renovation question that we had as well right before the break. Took some information from him now before Clifford Clifford yet. Here's a situation Asia's primary residence now I think it's worth. You're you're forty to fifty liters a hundred on the house he's gonna clear. You know 120 your 130 on his current house when its sales tank. The house that he is going to build is about 11100 square feet region renovate it's got 11100 square feet he's gonna add about 750. He's not sure what it will prays for but we think it will be somewhere in the wind 75 range probably with teased and okay. So. He's got to pay out forty. To the other two that. They're third in the house says you. Long and short of it is yes. He nearly 40000 yen to get rid of adding he's gonna have to speed and he's not a 100% sure how much he's gonna have to stand it. In looking at the numbers it looks like to me and he's gonna have enough money. In order to put down to do the renovation on the reliance on any improvement right I'm not sure he's really gonna need a renovation alliant here's what my suggestion would be. If I was Clifford when Howard Dean. Is young he needs to get equity out of his current her room in order to do the renovation. You've also got to factory and a Kate what am I gonna moving in again in my old house and trying to sell it. How are probably taught us about idea equity lines around his current primary residence he could probably get somewhere in the neck somewhere around a 100000. And as far as an equity line goes use that money for the renovation. Of the new house finished he's the forty plus sixty. You know I think that probably be enough if you need a little bit more you can probably get a little more on the equity line. And then turn around and use a mind of the finished a new house and then moving in and enlist the old house that way don't have to worry about two news and trying to move in while renovations going on and all that is to me just probably the easiest way. And down that makes it easy day it doesn't make any Xenia and he's got enough money in this current primary here enough equity I should say. Tora I think he can pull the cash out. Was an equity line in and down. You're just pay interest on your money in the meantime in you might sell your house is six very much aware of you know worst cases. Yet and that sounds like a great plane domain now on the real estate sad JD. What I would do is encourage him to sit down and talked to someone. Or do some research on return on investment right OK because. What he's gonna do is and square footage by adding master bedroom and bath by the way the bans being a very expensive. Part of the renovation. In many talked about renovating the kitchen which is the most expensive part of the renovation told you wanna map but now I know exactly what is gonna calls. Be careful because these things have a tendency to get away from me. When you you you you think you're gonna spend 3500 on classes in years end up spending 65 yeah exactly it's very easy to do while ESCO Hindu that were bored do and it wanna go ahead and instead beginning. The fifteen dollar yard carpet list is thirty dollar an hour right here yeah so it's it's quite easy did during their five levels I think. Of granite you know you give back granite for thirty about dollars a square footer I have 430 borrowers right. Or or or quartz what every Saturday share but I would say do a better researcher on return on investment Trout have to be used some. Discipline. In terms of changing to make sure it matches the neighborhood make sure crisis over bail on ever built for the neighborhood is a very important part. Of renovating and had standing square for it. Saying it Clifford said was most of the houses are not going to be as nice as what he's getting ready to bailed. And didn't telling nowhere on the phone Beth thought of exactly what you just said don't overbilled. You know I'm rusher this is inning neighborhood or distant area are you know what I'm talking mouse yeah I think it's in the blue ridge serious I don't think that is in the neighborhood police say the. And of course and that's applicable to the conversation I just just hand the further out he geared of course that lowered the median price ride lower than activity. Now then sound like Clifford plans omens and mini camps and an SOS here but but having said that those are famous last words take you know what's your probability. The very first thing I talked to a client about is how long do you think you're going to be in his house right what is the probability be being relocated or outgrowing their house. So you wanna think about all those things. But 'cause day here it's an investment right now. He looks like hey this is this is perfect scenario for our family right but don't let the fact amidst the primary. Investment. Of your portfolio. Don't don't let that get away from his. We'll Clifford what I would tell you is if you have a question about anything that we talked about or would like to go into more detail. Feel free to email me ask JD accounting they mortgaged dot com that's AS KJD and county bank mortgage dot com. And I can hook yet with the right person to talk to as far as an equity lying goes if you wanna go ahead and says that does he have the money basically ready to go to do the renovation. Or talk a little bit more about the renovation learn yourself if you decide to go down that road and in just talk a little bit more about your goals and to this would love to. Touchy about that he'll be out in that regard pressures and anyway it's say the renovation is always a now there's these times like Saturday prior yes they have to really be careful about. You know what you're looking to do to make sure you had your goals and objectives like you said key that's probably the most important factor. Of all of them for shirts and met an all out up front Clifford. So lucky what he's seen so far. I mean here we are halfway through January our radio matters to you are you see NI activities. It is JD you know what I found interesting is that that it started immediately I'm talking about. Daily and your New Year's yeah yeah there's a lot of activity and I've got a client is a liquidating some property. In the activity on his investment properties. Has just been phenomenal after its first in the years. Amazing you know that's one of the things you know we always slow day on around Christmas time in India you wonder how long it's gonna take carrying gear back up. In January and I noticed the same thing it was a lot of quick. And Nike said January the second activity people outlook and rooms and and you'll pre qualification that we were doing things like that seem to be a lot of that. A lot quicker this year. Not the best gonna spell out over the entire year but I just think it's a lot of the people who maybe didn't find what they wanted last year. In they're trying to get out to interfere solar interest rates gonna ask what's that the sense of urgency. For first quarter his charity the air yet so anyway. In we variation and see how it shakes out we'll listen when we come back from our break up got some great news to share. That everyone needs a listen to that may be looking to buy a house. Tom Kelley based getting new affordable housing program that I'm gonna share. And we're giving away money Keith I saw all that did he you're giving away money that they should be staying in the mainland for they should be listening to us in the house plans. Give us a ring and a 6644270. Bass 53. Or Iraq texas' 71307. Will be back right after this. Welcome back you're listened to house plans JD Nelson here from Kenny buying mortgage Keith Clark is here from the buyer's broker we appreciate our listeners textures and collars. 86644. Twos seventy fast 53 is a phone number 71307. Is he takes line. So feel free to call or text if you have inkling. We talk a little bit about 2016. Rapid out they head into 2017. And of course I've got some information award this year. Today from. Kelly bank is actually a member of the Federal Home Loan Bank out of Atlanta. Imus based game group of banks and and they offer some mortgage products and things of that nature of the what are the things that we're gonna offer Keith. They've got seven very different programs we're gonna offer about three or forums start out. But he great you know we are talking about millennial heading into the New Year's worlds you know the first time homebuyers and is Sarah and we got some free money. That we're going to be given way to. Say that JD NM a little bit suppressed I know so I I'm interest in hearing the details but. Really I would rather that you not talk about that this only air and just make it available to me in a few in my offering up. I. Well tale fortunately that worked that way doesn't work that way but you could qualify but I don't I don't know that well and grabbed her around me I'm talking about. Clients' brands and well let me tell you this a K is. Basically it's a is an affordable housing program ranked. And now what we're gonna do is any first time home buyer okay. So that means anyone who has not owned a home in three years Jay this is the first program uncle talked about here. You have to have played median income of 80% of live or less in Greeneville. Probably going to be somewhere around 40000 a year act combined household a combined household income. If you make 40000 or less per year combined household income. All you're gonna need in you can do this for conventional irons FHA a nearly any type of Oakland. You put a thousand dollars into the deal we're gonna give you the house in and sing right now compiling them and now here's what we're gonna do OK so let's say some leaders and the as a 100000 dollar him. In all they have is a thousand dollars today we're onto an ethic Jalen. Will give them Tony 500 okay basically taking you through the down payment. And that we're gonna give him another Torii 500 that they can use torture closing costs today or. They can use it for principle you can put is all down payment of the seller paid because it costs you or whatever okay. No money JD desist these kind of brings you back to the the old FHA died a little bit right now there was a time when you can ban FHA ease and FHA would. Just 500 in the deal I mean how Seattle's. Yes but that that went away for quite awhile it is saying that and ends in a number of years out and the of the beauty of this yet again get to do a little bit counseling is like a one hour counseling session on with iron whatever bit. You know someone's gonna hand you five orient. Fourth an hour now this one has nudged no strings attach well he's an animal in the house for at least five years I. Every year that goes back it's a thousand dollars that you don't have to pay back if you stay for five years you'll have to pay Juniata package goes away OK you know what then this reminds me of a the program that we had. Right during the downturn you remember in 2008. Yes in order to spur the market. The government did something similar to this so guys credit that is it was credit that's right yeah this is actually they gave you a credit on your. This closing statement is recorded as a second mortgage business sickest of forgive mobile second mortgage percentage goes away so. That's the first time home buyer program great opportunity. Should be great now this is one and I'm really excited about is caught our community partner program. They basically any. Law enforcement. Educator firefighter health care worker. First responders. This can be first time homebuyers or 91 time homebuyers. They put up 15100 into the deal will give them Cindy found yet that that sounds like that that talent to tie. 7500 dollar skis can you believe them and they just get money aren't so. Yeah I think it's going to be great one of the things that we're gonna do is really gonna go out and talk to a lot of our firefighters. Talked to some the police that we have. Educators your teachers. You know how many first time homebuyers they have 91 time home buyers to we have. It can be a single teacher or fire firemen or police or whoever they can be Miree whatever. That you know maybe hasn't saved quite enough for down payment. EM I will give fifteen you get fifteen we'll give you 7500 dollar same deal. Is always stay in house five years you don't have to pay him back. You know that's a great opportunities in its interest rates when they aren't really make a big difference you're sure Italian. And what it cost you but how much you can ban yeah that's right the last when I was gonna tell you about there's a couple other programs fellow's been you know a whole lot of time here bit. We have a foreclosure recovery program okay. Beanie whom that is a foreclosure. Of a member institution of the Federal Home Loan Bank most of the banks around here are members okay. If they have a foreclosure hurling down on the market and you put in a contract okay. Because reports 3000 dollars into the deal they can beat her down payment. You know. We're gonna give him fifteen. Now I don't understand that explain next time so here's the deal okay let's say 85 and a house is a 200000 dollar foreclosure content and on the customer you almost two needs to put it lease it again do a conventional and they need to put at least 101000 dollars in his deal tonight you know down payment yeah they're gonna put story. I Cellini seven more well we're gonna give them fifteen so they can use that seven to finalize their rest of their down payment. So that would be 5% Salem they've got eight more to play with maybe three goes to closing costs. The other files might go to pay all the upfront. Palm's just there he selects money he likes money yeah same deal stay in the house for five years. Don't have to pay it back well. I mean SA great opportunity in order to have more information about this here and they kind of racist thing I mean a not 150000 dollars that's 10% of the so it's a huge. As huge. The order to share more information. About this in the coming weeks we are about one or two weeks away from. Really launch in this programming in Indian full bore so we're excited about that but. You know free of our real estate agents. They're listening out there any of our first time homebuyers are listening out there. That may have salon that falls into this. You know type of situation. They need to call counting banker just email me and ask JD can anybody mortgage dot com. I TV all the details on it in in I've already got one one buyer came in this week. They fit perfectly into the first time home buyer product. And if what do you have to get a wealth had to say he's gonna take them from not being able about a nine diamond ma Lan and their schools yeah we're we're very excited about that should be. Easier easy gonna grow until they ran out of money or is is something that they can no he's here in the hazard to a stop they'd only is she at or well it. I sedition annual deal we actually have a billion dollars to give a holiday season as captain Mahan and thanks so. Yet if we can do half of that will be excited young man million dollars as it is a lot of money saying. We've got a million dollars that we're gonna give away and and hopefully we can I give every dollar away I think it would be outstanding center. We may have to have once we get started we may have to have a monthly update on him well that's what I. Gonna say JD that maybe they can email you when you guys can publish it may be a little newsletter email with. Parameters in the details and so there's listeners they wanna know more they can Chichi and email and you can. I send them the detail. Strike. Would hope takes question here Keith. It says I owed an acre or two and they local growing area. And although there is a house on it the value is really in going and so ourselves like he's yet to baker plan got a house voted for the house and maybe not worth that much more and I. What can I do to increase the land values. That's a am. Kind of an open ending quest and I had the answer to the idea well go ahead go ahead. Actually if if you're selling going and what we're talking about is what is the highest and best piece of that land. And says this the the characteristic of the lane and it will determine its highest embassies. Is dissolving of going and how he's his own so is. I'm most of the tam. Property did his own commercial sales for premium compared to property they write be divided. Into. Residential lots so residential zoning might be iffy iffy it was a homes for. Josh are two when he fast yeah I think he's a category. And you can give it rezone tell our team and they need to win that the property would yield more watts per acre right and go or if it was all residential and could these own Green Zone commercially. Then that would probably change the value set right. Now we don't have a lot of information about the property but I this is where it is the first thing that occurs to me zoning would be the key here yet. So maybe they can Texas back in and out let us know a little bit about name you can find them by the way on the candy website if you go to live to the canning web site. Look at your property it'll tell you what is zoned. One right center of the NSA and that's an important piece. Of the puzzle for shares saying. Anyway we'll Keith I think it's going to be a a great year we're really looking forward to. Seeing what 2017. Holds a tea there's no place I'd rather be in the upstate. Heading into heading into the new year there's a lot of optimism in the should be. We talk about the millennial see your company and we talked about a you know a lot of local Miller's I think you'll you'll see some local moos. Going on of course a lot of relocation into the green evil theory is still amazing to me how many people work. Our look in the called green home yet again to Atlanta they get to Charlotte they stopping Greenville. And they love it you know that kind of thing so be very. If it is going to be Goodyear the I think that our biggest challenge this year will be the construction on the 38580 fab project yeah will be have a little bit of a headache this year. But that the growth in the downtown market. What the sea is has done to make her quality of life banners some with some would argue a little bit about that but I'm still Linda. They can't they appreciates what they're doing absolutely no I think this is outstanding I mean that's a huge. JD is wide open them and always. Griese I mean if cranes having how it down had to get downtown for closing to lower losses downtown. And now I was amazed. At how many there's certainly every time I hear it and that is senator Randy paternity. My EM my nephew owns methodical coffee yet you know where Natalee is shot and is down there. And they want them to let magazine drink them the best coffee shop in America no kidding yet team I think it's cold in the matches thing oh all time. I mean great loses its sits on the map it is on the map. It is so anyway. We'll listen we appreciate our techsters I don't callers and listeners. I hope everyone has they had great weekend out there though a lot of people or are gearing up for the new year and we appreciate that. I appreciate everybody who called in last year in and participated we're glad to be back in the saddle. Here after a three or four week break here between snow and Christmas and everything. Say it and say jedi can and Greg congratulations. Clinton say daddy. Say good day Greg you elation mr. teicher should. I have ever get time out there today and remember. Everything and be in the past to just say we'll hear anymore about it and so I'm anyway November as a currency next week.


text:
Chevy dually crew cab for sale for sale on US's largest classifieds sites (114 results)
2006 Chevy 3500 Dually Crew Cab Pickup Truck
2006 Chevy Silverado LT Dually 1-Ton Dually Crew Cab Pickup for sale by owner. Very good condition. Very desirable 6.6l Duramax Turbo Diesel and Allison Transmission package. Tow Package and trailer brake controller. Gooseneck hitch. Rubber bed mat. Newer Batteries. Tires @ 75% tread. CD Player / Prem...
208,061 Miles
Year: 2006
chevy 3500 dually crew cab 8ft
project truck or frame in 440 area code and cab for restoration no bed no motor no trans but an insanely clean frame and cab. bought to rebuild but two years later still no time. it was a 6.5 truck was planning on converting to gas but could go back 6.5. call or text 299 then eight 3o deuce
212,000 Miles
2000 chevy 4x4 dually crew cab
2000 gmc k3500 4x4 dually 6.5turbo diesel. Crew cab. 160k miles runs and drives like a champ, no issues at all, 5000 obo , or trade for cars, trucks, bikes, let me know what you have ... Has newwer tires, ill get more pics later leather interior, fully loaded just dont need the diesel power anymore...
Year: 2000
1999 Chevy K3500 Dually Crew Cab one ton 4wd 4x4, only 109k miles
Rust-Free 2004 Chevy 3500 dually crew cab 4x4
Call me NOW and you can own this rust-free 2004 Chevy Silverado 3500 dually 4x4, straight from Texas! It has a nice leather interior with no rips, holes, or tears and has a brand new windshield in it.NO JOKE - BUY THIS TRUCK THIS WEEKEND AND I\'LL GIVE YOU A LIKE-NEW SAMSUNG TAB 4 TABLET IN
235,200 Miles
Year: 2004
1999 Chevy K3500 Dually Crew Cab one ton 4wd 4x4
1999 Chevy K3500 Dually Crew Cab one ton 4wd 4x4, super duty, vortec
1999 Chevy K3500 Dually Crew Cab one ton 4wd 4x4
1999 GMC Chevy K3500 Dually Crew Cab one ton 4wd 4x4, 109k miles
1999 Chevy K3500 Dually Crew Cab one ton 4wd 4x4, 109k miles - $49001999 Chevy K3500 Dually Crew Cab one ton 4wd 4x4Starts and runs great.Lots of power.4 doorOnly 109k miles.Fairly new tires.8 ft bed
Year: 1999, Make: Gmc
1999 Chevy K3500 Dually Crew Cab one ton 4wd 4x4
2012 Chevy Silverado 3500 Crew Cab 4x4 Dually-LOW (34k) miles-1 owner
2012 Chevy Silverado 3500 Dually. 1 owner. Purchased New in October 2012. Still under Chevrolet Factory powertrain/drivetrain warranty through October 2017 , 4x4 , 4 door Crew Cab, Low miles (34k) , 6.0 Vortec gas engine, Bedliner, CD, Power controls, Towing package, Remote keyless entry, Cruise cont...
34,000 Miles
Year: 2012
96 Chevy K3500 4x4 Dually Crew cab
2014 Chevrolet 3500HD Crew Cab Dually
The perfect gift for that special someone!***FOR SALE***2014 Chevy 3500HD Crew Cab, Long Box, LTZ6.6 liter LML Duramax Diesel.Allison 6 Speed AutomaticAlmost 45,000 milesLoadedHeated, Power, Leather SeatsRear Entertainment Package (Dukes of Hazzard season one DVD not in
44,764 Miles
Year: 2014, Make: Chevrolet
1982 Chevrolet Cheyenne crew cab Dually tow truck (Houger bed
Text only1982 Chevrolet Cheyenne 4 door crew cab dually tow truck with houter flat bed454 cubic inch motor with new rebuilt Carter carburetor, Chrome headers, 2 oil batteriesCommercial tow truck light bar, flood lights front and back heavy-duty winch, raps$8,500 or
2016 CHEVY SILVERADO 3500 Crew Cab DURAMAX DIESEL DUALLY 4X4-LOW MILES
Visit www.NATIONSTRUCKS.com to view 60 photos! 2016 CHEVROLET SILVERADO 3500 Crew Cab DURAMAX DIESEL DUALLY 4X4 - LOW MILES! Flawless one owner vehicle with a clean CARFAX, power windows, power doors, cruise control, riding on six almost new Michelin tires, and much much more! OVER 14
Year: 2016
88 chevy dually crew cab lowered
great running and very powerful truck . very clean inside and out . clear cote is starting to come off . built 454 with larger cam . ported heads . 7 angle valve job . 020 over Keith black pistons . high rise intake . 550 Holley on it now for fuel mileage but ran better with 750 on it . built th400 an...
99 chevy 1 ton Dually Crew Cab c3500
2000 Chevrolet 3500 dually crew cab
1987 Chevy 1 ton dually crew cab
This is a 1987 Chevy 1 ton dually crew cab 454 engine with 98,000 miles. I had for 14 years now and I don\'t have use for it anymore. Well taken care for. I did all the maintenance. New power boost brake, new front wheel brake calipers, and new power steering pump. Brand new all tires and new exhaust ...
Year: 1987

subset: commoncrawl


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There is something so nice about mints in a tin - especially when they look like this! Sent to us by Angelini Design out of Rome.
"This new packaging is the latest "pearl" that Angelini Design has created for centenary Calabrian confectionery company Amarelli. The small boxes are made in metal and mimic the colors of anise and mint. The typically retro style, material and finish are the result of a mix of quality, refinement and attention towards tradition, values that Amarelli has always carried forward with coherence, allowing it to maintain a solid position as one of the longest standing Italian brands."


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The Immunohistochemistry Antibody Company |
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PTGER2 / EP2 antibody was raised against synthetic peptide from human PTGER2 (aa250-299). | |
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PTGER2 Antibodyantibody detects endogenous levels of PTGER2. |
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Prostaglandin E Receptor EP2 is a member of the Prostanoid Receptor subfamily. Along with several other receptor subtypes (EP1, EP3, and EP4), it mediates the diverse biological effects of Prostaglandin E2 (PGE2). PGE2 has been implicated in numerous processes, including immune response modulation, male erectile function, induction of labor, cervical cancer, control of blood pressure, asthma, and more recently, Alzheimer's Disease.


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Tom has been sent to his uncle while his life falls apart. When he finds a strange temple in the bush, he stumbles into something more unusual than he could have imagined…
The Guardians Activities (Word)
The Guardians Activities PDF
The Guardians, Worlds Next Door
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For many professionals, Microsoft Outlook is the center of their workflow. That being the case, it's important to make sure that the application's files — your emails records, contacts, and calendars — are periodically backed up to a safe location. Likewise, if you're moving to a new PC, it's a lot easier to re-load a single file than to go through the tedious process of setting up your email accounts again. Luckily, Outlook makes it simple to manually back up your account and settings, and to re-import them for easy setup. The guide below applies to Office 2010, Office 2013, and Office 2016.
Related: Want to link Outlook with other email accounts? Here's how
Backing up your files
Step 1: To start backing up your files in Outlook 2013 and 2016, click the File menu and select Open & Export from the left-hand menu.
Step 2: Click the Import/Export button to open the Import and Export Wizard, which will also kick you out of the touch-friendly menu system — it's best to have a conventional keyboard and mouse or touchpad for the following steps. In Outlook 2010, click File, select Options, and click Advanced.
Step 3: Click Export to open the wizard. The following steps are identical for all three versions of Outlook.
Step 4: Select Export to a file from the action list and click Next, which will result in two options. Select Outlook Data File (.pst), and click Next again. On the next screen, select which files and folders you want to back up. Most of the time, you'll want to create a complete backup of the files for one account. To do this, simply click the email address associated with the account, the first item in the list, and click Next. Make sure that Include subfolders is checked so that you capture all the information.
Step 5: If you want greater control of what's backed up, click an individual mail folder, the Contacts or Calendars section, or any of the other options in the list. By default, all of the folders within a selected folder will be backed up as well. To disable this behavior, uncheck the box marked include subfolders. To remove specific email messages from the backup, such as mail sent to or from your personal address, click filters. On this screen, you can create a search by word, subject or body field, to or from address, or time. More advanced filters, including size, flags, and importance ratings, are available via the More Choices and Advanced tabs. When you're finished setting up your filters, click OK to return to the export menu.
Step 6: The next screen allows you to select the location and name of your backup file. Click Browse, then navigate to the folder you want, name the file, and click OK. The browser window will then close.
Step 7: Click Finish. You can add a password to this file for extra security, or leave both fields blank if you don't want to assign a password. Then, click OK to create the backup file. Keep in mind that it may take a few seconds if you have a ton of emails stored in Outlook.


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Contact Us
FutureStaff, a 37-year-old staffing company in the metro Atlanta area, is announcing its intended acquisition by Augusta-based MAU Workforce Solutions. MAU is a family-owned and ...
Candlelight Bridals, located on 1192 Clark St. in Covington, has deep roots in the community. Since 1962, Candlelight Bridals has been offering bridal and prom ...
Stewart Community Church celebrated its groundbreaking of its new location Thursday morning at 13645 Highway 36, in Covington.
Lahrceny Tavern, a bar & grill restaurant located in Porterdale, opened in January on Main Street.
Carmichael's Pharmacy in Covington was selected as Small Business of the Month by the Newton County Chamber of Commerce for the month of February ...
Alby's Pizza: 8105 Washington St., Covington, Feb. 14, 55/U, Feb. 23, 70/C
After six years of providing burritos, tacos, fajitas, chips, salsa, sodas and beers to the hungry Newton County citizens, the owners of Burrito Loco on ...
Bangkok Grill: 5135 Highway 278, Covington, Jan. 10, 87/B
Morris Multimedia, Inc., parent company of The Covington News, has purchased a daily newspaper in Wisconsin through a subsidiary, Morris Newspaper Corporation of Wisconsin.
Page 1 of 1
Alcovy Pub & Grill: 10176 Alcovy Road, Covington, Dec. 12, 82/B
Second-To-Die or Survivorship Life Insurance became a very viable product after the 1982 TEFRA legislation. This act allowed estate taxes to be postponed until the survivor passed away, and for the taxes to be paid at a discount.
Main Street Covington's Christmas on the Square is in full swing with a great Lighting of the Tree and Polar Express night. But don't worry, there is plenty more fun to be had.
Business Name: Antiques & Stuff of Newton, 2177 ELM St. NE
Life Settlements are relatively young transactions in the insurance industry, but you can trace its origins back to 1911. Supreme Court Justice Oliver Wendell Holmes noted in his opinion that "Life insurance possessed all of the ordinary characteristics of property, and therefore represented an asset that a policy owner may transfer without limitation."
Hanging it up at age 60 or 62 sounds like a lot of fun! Wake up when you want to, tee it up once or twice a week and enjoy the grandchildren. Even though I will be 68 on Nov. 2, I'm not quite there yet. I can't buy enough liability insurance to get on the golf course!
It seems like the majority of topics for my articles brings back memories, some good and some less than memorable. This is one of the "less thans".
Most of our parents could expect a pension plan from one or more employers when they reached retirement.
"One size fits all" would be wonderful for me. All of my Dockers slacks would be a 36-inch waist forever instead of my keeping multiple sizes based on the number of buffets visited!
In my previous article I discussed the benefits of tax-free exchanges under Section 1035 of the revenue code. Over the years, I have completed more than a few exchanges that truly helped the policyholder. Here are a few examples and one or more of these might apply to you:
Blair on the Square Boutique, an upscale women's apparel boutique, will open on the Covington Square, 1115 Church Street, in September.
A new boutique featuring apparel for both men and women will open its doors on the Covington Square in late August.
The regional headquarters of Bodycote, a thermal processing service provider, is now located in Covington.
One of the provisions of the Revenue Code that is very attractive to life and annuity policyholders is Section 1035. This provision of the Code allows you to transfer the values from a life policy or an annuity to a new contract and defer taxes on your gain. Life policy values may be transferred to a new life policy or a non-qualified annuity. A non-qualified annuity may also be transferred to another non-qualified annuity, but annuity values may not be transferred to a life policy.
Shire plc completed its merger with Baxalta Friday, creating what is expected to be a global leader in rare diseases.
Page 1 of 39


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Goodbye Norma Jean purports to be a biography of the early years of Norma Jean Baker (Misty Rowe), who would later attain fame in Hollywood as the blonde sex goddess Marilyn Monroe. The film begins in 1941 as Norma Jean is brutally raped by a highway patrolman who stopped her for speeding. After winning a local beauty pageant, Norma Jean continues to experience a succession of...more
All Goodbye, Norma Jean cast + crew photos


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Buffalo Filet
Coffee Ancho Rub
Toast the ancho chilies in the oven until they start to get soft; seed and stem. In a separate pan, toast the cumin over low heat. Grind the all ingredients, except the salt, in a spice grinder until fine. Place in a bowl and stir in the salt; store in a air tight container until ready to use.
Contact your local butcher and ask for 8oz cuts of buffalo filet mignon. Rub the filets with a little oil and then coat with the rub. Sear in an extremely hot pan until a crust is formed. Transfer pan to a 450 degree oven and finish. Internal temperature of 125 degrees will produce a medium rare center.


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Agar Io Hack Yapma. Agario Cheat Without Download
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Welcome to Transition Town Horncastle
We believe in a positive vision of the future and work to make it real.
food Archive
Edible Gardens Open Day Sunday 15 July 2012
We held our very popular Edible Gardens Open Day on Sunday 15 July This is a report from Mike Carnaby... -
Love Food Hate Waste
Every year in the UK we throw away £12 billion worth of food which could have been eaten. The Love... -
The Recipe Book
''How can we make ourselves and our communities, our towns and villages greener, more ecologically aware? Hi I am Pauline... -
A better deal for local food
Monday 21st September 7.30pm Admiral Rodney Hotel, North Street, Horncastle, LN9 5DX Would you like to enjoy local produce at...


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posted: Friday, December 9, 2016
It may have been cold outside on this December morning, but Hamber Dining Hall was full of bright spirits and warm food!
The dining staff provided a delicious feast for the annual Boarders' Breakfast, hosted by the SJR Parents' Association.
A big thank you goes out to all involved in this fun, festive event!
Engineering the Future at the 2017 Robot Games
A Grant to Grow
Rock Show 27: A Night at the Movies
Taking the Entrepreneurial Spirit to the Finals!
YOUth in LEADership
Festival du Voyageur
Hé Ho! It's Voyageur Day in Junior School!
A Shining Restoration
Physics in Action!
Developing Understanding with the Leaders of Tomorrow
The Road Less 'Sung'!
I Love to Read!
Let's Talk.
Going for Gold with the Manitoba Band Association!
Success in Startups
Truth and Reconciliation at the CMHR
Fun in French: Fencing and Food!
SJR Drama Produces a Classic Play
Key Reflections: From SJR to Harvard Medical School
Silver Balls for the Chemis-tree!
One Fascinating Province
Finding Joy Through Service to Others
Debating Success Continues!
The Leaders of Tomorrow
Boarders' Breakfast!
Path to Empathy
The Results Are In!
SJR Students Debate Their Way to Success
A Humerus Morning in Social Studies
June 2016
May 2016
April 2016
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February 2016
January 2016
December 2015
November 2015
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Naomi Campbell wore an Azzedine Alaia black gown to the Novak Djokovic Foundation London gala dinner at The Roundhouse in London, England. Image: Getty
Naomi Campbell
Naomi Campbell opened and closed the Versace Couture Fall 2013 show presentation. View the entire collection below. "The perfection, glamour and elegance of the black-and-white era of photographs and movies, with its light and shadow. The allure of undressing or being undressed" Image Vogue
British model Naomi Campbell wore a black dress from the David Koma Fall 2013 collection to the annual Serpentine Gallery summer party at The Serpentine Gallery in London, England. Image Getty
Naomi Campbell is featured in her second editorial spread for Vogue Brasil May 2013 titled Vogue Jewels and photographed by Jacques DeQueker. Image credit Fashion Copcious


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Home | Forums | Rules | Articles | diyAudio Store | Gallery | Wiki | Blogs | Register | Donations | FAQ | Calendar | Search | Today's Posts | Mark Forums Read | Search |
Solid State Talk all about solid state amplification. |
Please consider donating to help us continue to serve you.
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Thread Tools | Search this Thread |
21st April 2009, 07:39 PM | #791 | |
diyAudio Member
Join Date: Apr 2009
Re: Post your Solid State pics here.
Hi Guys I'm totally new here and my amp will look funny in comparation with every other posted here. This my first guitar amp that I made and it is based on tda2030 IC. Preamp is a fet version of fender blackface. Speaker is a 15W 4 ohm which i took out from a portable CD player. That pretty much says it all! Cheap,simple and good enough for practise until I buy myself a decent guitar amp. |
1st May 2009, 05:05 PM | #792 |
diyAudio Member
Join Date: May 2008
1st May 2009, 06:13 PM | #793 |
diyAudio Member
Join Date: Jun 2006
Location: North Californie
~D'Evil~ SPb: Incredibly well laid out! Did you do the boards and design yourself? Wow! Silk screened and all ! Here's to you
Over compression is a problem with modern CD recordings [recent changes] |
1st May 2009, 06:57 PM | #794 |
diyAudio Member
Join Date: May 2008
FastEddy, thanks!
The main board is designed by Creek Audio (I just copy layout from original, and replace a few components ). The design of other PCBs is mine. And here is one more amplifier (even in the process of assemblage); The old version of PCB: and the latest version: This is the "WP2006", 200W output at 4Ohms, with DC protection on board in the last version. The design of PCB is also mine. |
1st May 2009, 07:54 PM | #795 |
diyAudio Member
Join Date: Jun 2006
Location: North Californie
Mmmm very professional, both the Creek versions and your own.
Over compression is a problem with modern CD recordings [recent changes] |
1st May 2009, 10:44 PM | #796 |
diyAudio Member
Join Date: Jan 2009
Must sound pretty !
2nd May 2009, 08:25 AM | #797 |
diyAudio Member
Join Date: Feb 2006
Location: karnataka
SPB mind boggling stuff !! Any chance of we getting the gerber to cook our own ?? Regards. |
2nd May 2009, 09:47 AM | #798 |
Account disabled at member's request
Join Date: May 2006
Just a little quirk, I hope those big caps arent rifa liquid types, mounted upside down, you gonna have some serious problems if they are. BTW they are excellent caps if used properly.
2nd May 2009, 04:47 PM | #799 | |
diyAudio Member
Join Date: May 2008
2nd May 2009, 04:52 PM | #800 |
diyAudio Moderator
D'Evil. I did not pass your last post. This is not the thread for selling. Please use the vendors or trading areas. |
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Get Your Rotom Running!
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Get Your Rotom Running! (Japanese: 羊羹とロトム! Yōkan and Rotom!) is the 105th episode of the Diamond & Pearl series, and the 571st episode of the Pokémon anime. It first aired in Japan on December 4, 2008, as part of a one hour special with Sleepless in Pre-Battle!, and in the United States on May 9, 2009. This episode is the start of the twelfth season, Pokémon Diamond & Pearl: Galactic Battles.
Spoiler warning: this article may contain major plot or ending details. |
From the Canalave City Pokémon Center, Ash and his friends call Professor Oak. During the call, Grotle and Piloswine tackle their Trainers down happily. When Professor Oak samples some Gateau, he suggests to Ash and his friends to go to the nearby Old Chateau to try their specialty Old Gateau. Brock looks the Chateau up in his guidebook and it shows the location and, with time to kill while waiting for the local Gym Leader to return from training, the gang decide to check it out. Nearby, Team Rocket listens in on the conversation and decides to head to the Chateau first and get the Gateau.
Team Rocket reaches the Old Chateau first and notices the lack of activity. They reach the locked front door and Meowth picks the lock. As they explore the darkened Chateau and leave the main hall, a light fixture sparks. Meanwhile, Ash and his friends get close to the Chateau when a worker meets up with them and tells them that a recent storm took out the electricity, closing the Chateau. While he assures that power will be restored soon, he spooks Ash and his friends by telling them about rumors of ghosts haunting the Chateau before walking away. Undeterred, Ash and his friends continue on.
Team Rocket checks the kitchen and has little success finding anything. James checks a cabinet and finds a candy bar, deciding to hide it in a microwave. When he walks away, the microwave turns into Heat Rotom, which promptly eats the candy before disguising itself. Jessie finds a chocolate bar and hides it in a refrigerator, but Frost Rotom quickly eats the stash before hiding. Meowth finds a cookie and hides it in the same microwave James used, Heat Rotom quickly taking it. Team Rocket regroups and tries to leave, but all three run back to grab their hidden stash. All three find their secrets gone and blame each other. They argue when Frost Rotom appears in front of them and fires Blizzard, sending them running. They run into Heat Rotom, forcing them to go back, crawling into a shaft and landing in a separate storage room. Jessie tries to open the locked door but fails to make it budge.
Ash and his friends stand outside the Chateau, finding it closed. Suddenly, the door opens on its own. They head inside and Pikachu spots something moving down a hall. They follow Pikachu to the basement, where they find a generator. They see a microwave laying on the floor and Pikachu senses something wrong. While the humans and Dawn's Piplup check the generator, Pikachu opens the microwave and climbs in to check. Heat Rotom appears and closes the oven door, which causes Pikachu to use Thunderbolt to break free, the electric attack striking the generator. Ash checks on Pikachu, the Pokémon quickly pointing at the microwave, which has reverted to normal. Pikachu's attack powers up the generator and restores electricity and lighting to the Chateau. Back in the storage room, Meowth sees a display case holding Old Gateau. Meowth tries to scratch the glass to break it, but it fails. An intercom plays an automated message, which tells Ash and his friends directions to the kitchen where they can make their own Gateau. Ash and his friends reach the location and find a complete kitchen with the necessary ingredients and the recipe to make the Old Gateau. Brock volunteers to make the Gateau while Ash and Dawn train for upcoming challenges.
Outside, Ash summons Chimchar for training. Chimchar practices against Pikachu, firing Flamethrower while Pikachu dodges the attacks. One attack hits a nearby lawn mower. Ash and his Pokémon check the damaged mower, which transforms into Mow Rotom. Rotom scares Ash and his Pokémon back into the Chateau. In the Chateau, Dawn trains with Buneary, practicing Dizzy Punch. Dawn notices an electric fan running, so she turns it off before letting Piplup practice BubbleBeam. The fan reactivates and blows the attack away. Dawn turns and sees Fan Rotom, which chases Dawn and her Pokémon out of the room.
Dawn runs into Ash as they tell about their two encounters with possessed appliances. They decide to warn Brock, running back to the kitchen. They run into the lawnmower, which turns into Mow Rotom, chasing them. Ash and Dawn evade Rotom by going up a set of stairs to the second floor. However, they spot a washing machine and already realize what will happen. Wash Rotom fires Hydro Pump at them, forcing them to run away. They reach an elevator and get inside before Rotom smacks into the closed doors. They head back to the ground floor. When they get down, they check the hall. It's clear at first, but Fan Rotom appears and chases them into the kitchen. They close the door in time as Brock notices their anxiety and thinks they are imagining things. Brock pulls the completed Gateau out of the fridge. The fridge turns into Frost Rotom behind Brock, which he doesn't notice at first. Eventually, he catches the disguise, and they are blasted out of the kitchen with Blizzard. Rotom turns into Heat form and launches Overheat. Pikachu and Piplup attack with BubbleBeam and Thunderbolt, causing Rotom to dissociate from the microwave, assuming normal form and prompting Ash to check his Pokédex.
They realize that Rotom has been playing pranks on them. Rotom darts away and returns in Mow form to chase them. They try to run up the stairs, but Rotom leaves the lawnmower and takes control of the washing machine upstairs, blasting them out of the Chateau with Hydro Pump. Brock keeps the Gateau intact as Ash and Dawn attack with Pikachu's Thunderbolt and Pachirisu's Discharge. Rotom blocks with Hydro Pump at first, but the two Electric Pokémon eventually overpower Rotom and hit it, causing Rotom to dissociate from the washing machine, knocked out. Ash and his friends check Rotom as it recovers, apologetic for causing harm and only wanting to have fun. Piplup pats Rotom, resulting in a Discharge attack. Rotom uses Discharge to shock Ash, Dawn, Brock, and Piplup, giving the humans Afro hairstyles before phasing into a light pole and disappearing.
Team Rocket still lie in the storage room exhausted. Jessie unknowingly utters a secret password, open sesame, that opens the voice-activated display case. They eat the Gateau, but it is only wax replicas for display. Outside, Ash and his friends enjoy the sunset and munch on the Old Gateau. They decide to send some to Professor Oak and Ash prepares to train for his upcoming Gym match.
Major events
- For a list of all major events in the anime, please see the timeline of events.
Pokémon debuts
- Rotom (all forms)
- Pikachu (Ash's)
- Meowth (Team Rocket)
- Wobbuffet (Jessie's)
- Grotle (Ash's)
- Chimchar (Ash's)
- Piplup (Dawn's)
- Buneary (Dawn's)
- Pachirisu (Dawn's)
- Piloswine (Dawn's)
- Rotom (all forms, debut)
- Beginning with this episode, all of the title cards in the dub are all capitalized.
- Professor Oak's Pokémon lecture: Huntail
- Despite Piloswine weighing a hefty 123.0lbs, Dawn is somehow able to support Piloswine's weight on her back and shoulders. This is likely an example of anime physics.
- The dub title for this episode is a reference to the phrase, "Get your motor running," which is the first lyric of Steppenwolf's hit single Born to be Wild.
- While the Old Chateau is near Canalave City in the anime, it is found in the Eterna Forest in-game.
- The music playing when Jessie, James and Meowth hide snacks from each other is from the Slowpoke segment in Pikachu's Vacation.
- Team Rocket doesn't blast off or recite their motto in this episode.
- After Rotom chases Ash, Pikachu and Chimchar, Dawn is its next victim. Dawn has Piplup and Buneary out when Rotom chases them out of the parlor room. Buneary ran out with Dawn, but when Dawn and Ash meet up in the hall, Ash's Chimchar and Dawn's Buneary have disappeared. Ash could have recalled Chimchar off screen before he got there, but only a moment had passed since Dawn's group ran out of the parlor.
- Buneary returns in the scene following Brock's humming and pouring the Gateau, and is present the whole episode through.
- On Pokemon.com the article says "On a tip from Professor Rowan, Ash and Dawn head for Canalave City's Old Chateau to sample its famous delicacy, the Old Gateau." but it's Professor Oak who tips them off, not Professor Rowan.
Dub edits
In other languages
Language | Title | |
Mandarin Chinese | 羊羹與洛托姆! | |
Czech | Rozdováděný Rotom | |
Danish | En Rotom efter kage! | |
Dutch | Rotom Laat Je Rennen! | |
Finnish | Kierroksia Rotomiin! | |
European French | Motisma et le vieux gâteau ! | |
German | Gespensteralarm! | |
Italian | Un Rotom scatenato! | |
Norwegian | En Rotom etter kake! | |
Polish | Uważajcie na Rotoma! | |
Portuguese | Brazil | Ligue o seu Rotom! |
Portugal | Um Rotom Acelerado! | |
Romanian | Goana după Tartină | |
Russian | Ротом атакует! Rotom atakuet! | |
Latin American Spanish | ¡Enciende tu Rotom! | |
Swedish | Få fart på din Rotom! | |
This episode article is part of Project Anime, a Bulbapedia project that covers all aspects of the Pokémon anime. |


text:
Ludington in Mason County, Michigan — The American Midwest (Great Lakes)
War Memorial
For God And Country
—Valor —
to the living and dead who
through their valiant efforts
and bitter sacrifice
have made and kept
America great
Spanish-American War 1898-1899
World War I 1917-1918
World War II 1941-1945
Korean Conflict 1950-1953
Vietnam Conflict 1964-1975
Lebanon/Grenada 1982-1984
Panama 1989-1990
Gulf War/War on Terror 1990-
Erected 1958.
Location. 43° 57.574′ N, 86° 27.572′ W. Marker is in Ludington, Michigan, in Mason County. Marker is at the intersection of Lakeshore Drive (State Highway 116) and Haight Street, on the left when traveling north on Lakeshore Drive. Click for map. Marker is at or near this postal address: Stearns Park, Ludington MI 49431, United States of America.
Other nearby markers. At least 8 other markers are within walking distance of this marker. S.S. City of Flint 32 (about 500 feet away, measured in a direct line); Armistice Day Storm (about 500 feet away); World War Memorial (about 600 feet away); S.S. Pere Marquette 18 (approx. 0.2 miles away); World War I Memorial (approx. 0.4 miles away); "The Abbie" (approx. 0.4 miles away); "Sport Fishing" (approx. half a mile away); Mason County / Mason County Courthouse (approx. 0.8 miles away). Click for a list of all markers in Ludington.
Categories. • Patriots & Patriotism • War, Korean • War, Vietnam • War, World II •
Credits. This page originally submitted on , by William Fischer, Jr. of Scranton, Pennsylvania. This page has been viewed 204 times since then and 10 times this year. Photos: 1, 2, 3, 4, 5, 6, 7. submitted on , by William Fischer, Jr. of Scranton, Pennsylvania. This page was last revised on October 1, 2016.


text:
Datasheet | Specific References | Reviews | Related Products | Protocols |
Recombinant Human CD16b protein (Catalog#11046-H08H) | |
Mouse IgG2a | |
0.2 μm filtered solution in PBS with 5% trehalose | |
This antibody was produced from a hybridoma resulting from the fusion of a mouse myeloma with B cells obtained from a mouse immunized with purified, recombinant Human CD16b (rh CD16b; Catalog#11046-H08H; NP_000561.3; Met 1-Ser 200). The IgG fraction of the cell culture supernatant was purified by Protein A affinity chromatography. |
Human CD16b / FCGR3B
No cross-reactivity in WB and ELISA with Human CD16a / FCGR3A Human CD32a / FCGR2A Human CD32b / FCGR2B Human cell lysate (293 cell line) | |
ELISA ELISA: 0.5-1 μg/mL This antibody can be used at 0.5-1 μg/mL with the appropriate secondary reagents to detect Human CD16b. The detection limit for Human CD16b is 0.16 ng/well. | |
This antibody can be stored at 2℃-8℃ for one month without detectable loss of activity. Antibody products are stable for twelve months from date of receipt when stored at -20℃ to -70℃. Preservative-Free. Sodium azide is recommended to avoid contamination (final concentration 0.05%-0.1%). It is toxic to cells and should be disposed of properly. Avoid repeated freeze-thaw cycles. |
Product name | Product name |


text:
Commodity market integration, 1500-2000
This Paper provides a summary of what is known about trends in international commodity market integration during the second half of the second millennium. The range of goods that have been traded between continents since the Voyages of Discovery has steadily increased over time, and there has been substantial commodity market integration over the period, driven by technology in the 19th century and politics in the late 20th century. This trend towards greater market integration was not, however, monotonic; it was periodically interrupted by shocks such as wars and world depressions, or by endogenous political responses to the distributional effects of globalization itself. In some periods politics has reinforced the effects of technology, while in other periods it has offset them. In several cases, severe shocks have had long-run effects on the international integration of commodity markets, as a result of politically induced hysteresis. Finally, we know remarkably little about international commodity market integration during the 20th century.
(This abstract was borrowed from another version of this item.)
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Date of creation: | 2001 |
Handle: | RePEc:tcd:tcdceg:20019 |
Contact details of provider: | Postal: Trinity College, Dublin 2 Phone: (+ 353 1) 6081325 Fax: 6772503 Web page: http://www.tcd.ie/Economics/ More information through EDIRC |
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text:
FAYETTEVILLE (KFSM) – The Ladies Auxiliary of the Military Order of the Purple Heart is hosting a tea event in Fayetteville, according to a news release.
Invited are wives, windows, mothers, grandmothers, sisters, daughters, granddaughters and any female descendant of a veteran who has received a Purple Heart for military service, the release states.
The ladies tea event will be on Sept. 9 from 12 p.m. to 2 p.m. at the Fayetteville Veterans Home in the chapel.


text:
Featured Listings
Mortgage Calculator
Area Guide
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North Georgia Blog
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For Upcoming Events,
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If you have any questions or would like more information, please
, or use our online request form.
Blue Ridge Weather Forecast, GA
All listing information is deemed reliable but not guaranteed and should be independently verified through personal inspection by appropriate professionals. Listings displayed on this website may be subject to prior sale or removal from sale; availability of any listing should always be independent verified. Listing information is provided for consumer personal, non-commercial use, solely to identify potential properties for potential purchase; all other use is strictly prohibited and may violate relevant federal and state law. The source of the listing data is as follows: Northeast Georgia Board of REALTORS (updated 3/29/17)


text:
Columbia Valley AVA
The Columbia Valley AVA (referred to locally as the Columbia Basin) is an American Viticultural Area which lies in the Columbia River Plateau, through much of central and southern Washington State, with a small section crossing into the neighboring state of Oregon. The AVA includes the drainage basin of the Columbia River and its tributaries through much of Washington.[2] Allen Shoup, president of Washington State's largest winery Chateau Ste. Michelle, understood the importance of obtaining appellation status[3] for Washington State to grow the reputation of the vineyards. He hired Drs. Wade Wolfe and Walter Clore to petition the federal government for appellation status, a request that was granted in 1984.[4] The Columbia Valley AVA is the largest wine region in the state of Washington, including over 11,000,000 acres (4,500,000 ha), of which over 40,000 acres (16,000 ha) are planted in vineyards. The Columbia Valley AVA includes 99% of the total vineyard area planted in the state of Washington.[5] Grapes grown here include Cabernet Sauvignon, Merlot, Chardonnay, Riesling, Syrah, Pinot gris, and Sauvignon blanc. Concord grapes and other Vitis labrusca grapes are grown in the region as well. The unique climates of the area allow the Columbia Valley to produce wines that are very fruit-forward, like California wine, but which also retain some of the balance and structure of European wine.[6]
The Columbia Valley AVA lies mostly in Washington state, with a small section in Oregon. The Cascade Range forms its western boundary with the Palouse regions bordering the area to the east.[5] To the north, the Okanogan National Forest forms a border with the AVA and Canada.[7] It encompasses the valleys formed by the Columbia River and its tributaries, including the Walla Walla River, the Snake River, and the Yakima River. The Columbia valley stretches between the 46th parallel and 47th parallel which puts it in line with the well known French wine growing regions of Bordeaux and Burgundy. The northern latitude gives the areas two more hours of additional daylight during the summer growing season than wine regions of California receive.[8] The volcanic and sandy loam soil of the valley offers good drainage and is poor in nutrients, ideal in forcing the vine to concentrate its resources into the grape clusters.[9]
Nine smaller AVAs designate unique growing areas of special distinction within the larger Columbia Valley AVA. These are the Ancient Lakes AVA, Yakima Valley AVA, the Red Mountain AVA, the Walla Walla Valley AVA, the Horse Heaven Hills AVA, the Rattlesnake Hills AVA, Lake Chelan AVA, Snipes Mountain AVA and the Wahluke Slope AVA. North of the Rattlesnake Hills is a region commonly known as Columbia Cascade, but which is not officially recognized as an American Viticultural Area.[10] Other wine growing regions of distinction that have not yet been granted AVA status include the Othello region located in Adams County and the Tri-Cities area around the towns of Kennewick, Pasco and Richland.[11]
The vast size of the appellation allows for an array of diverse microclimates among the various sub-appellations, but the whole region shares the common climate traits of cold winters and long dry growing seasons with low humidity.[5] The warm days and cool nights of the area help retain the balance of acid and sugar levels in the grape which give Washington wines their characteristic balance in flavors. The peak ripening of the grapes occurs during the last four to six weeks of the growing season, with the grapes hanging on the vines a little longer than in California.[8] This allows the grape more time to develop maturity in tannins as well as other aroma and profile characteristics that will be brought out in the resulting wines. The longer growing season also allows the grapes to be harvested at a cooler temperature than in other more southerly wine regions.[6]
Deep winter freezes are the main climate threat to the grape growing industry of the Columbia Valley. Temperatures can drop from 40 °F (4 °C) to less than 0 °F (−18 °C) in a matter of hours. Many vineyards incorporate wind turbines to keep air circulating around the grapes and stay warm enough to prevent frost. In most years, the vines enter into a long winter dormancy rather than freeze, which helps the vines come out of the winter and into the growing season healthier.[9]
The rain shadow of the Cascade range leaves the Columbia valley with some areas receiving less than 6 inches (15 cm) of annual rainfall. The development of intricate irrigation systems has allowed this area to become a premium grape growing region. Using water from the nearby Columbia, Snake, Yakima and Walla Walla rivers growers are able to precisely control the timing and amount of water that the vines receive. This control over the vines' potential vigor has a large influence on the resulting yields and quality of the grapes.[12]
See also[edit]
- ^ Code of Federal Regulations. "§ 9.74 Columbia Valley." Title 27: Alcohol, Tobacco and Firearms; Part 9 — American Viticultural Areas; Subpart C — Approved American Viticultural Areas. Retrieved January 30, 2008.
- ^ a b Appellation America (2007). "Columbia Valley (AVA): Appellation Description". Retrieved January 30, 2008.
- ^ http://wine.appellationamerica.com/wine-region/Columbia-Valley.html
- ^ http://www.washingtonwine.org/wine-101/state-facts/
- ^ a b c T. Parker Discovering Washington Wines pg 32 Raconteurs Press 2002 ISBN 0-9719258-5-2
- ^ a b T. Parker Discovering Washington Wines pg 60 Raconteurs Press 2002 ISBN 0-9719258-5-2
- ^ K. MacNeil The Wine Bible pg 734 Workman Publishing 2001 ISBN 1-56305-434-5
- ^ a b T. Parker Discovering Washington Wines pg 21 Raconteurs Press 2002 ISBN 0-9719258-5-2
- ^ a b K. MacNeil The Wine Bible pg 732 Workman Publishing 2001 ISBN 1-56305-434-5
- ^ Barron's Wine Lovers Companion:Columbia Valley AVA
- ^ T. Parker Discovering Washington Wines pg 33 Raconteurs Press 2002 ISBN 0-9719258-5-2
- ^ T. Parker Discovering Washington Wines pg 20 Raconteurs Press 2002 ISBN 0-9719258-5-2
External links[edit]
- Map of Columbia Valley AVA
- Geography of Washington State: Columbia Basin, Washington State Department of Natural Resources
Coordinates: 47°7′16″N 119°17′18″W / 47.12111°N 119.28833°W


text:
Hello, I followed these instructions for setting up file sharing between an XP box and a 10.5.6 Mac: http://macs.about.com/od/macwindows/ss/sharemacfilesxp.htm I went with the SMB user account sharing option. I see "Macintosh" in my XP's network window yet when I click on it I get this: (In XP I'm logged into an admin account.) ? Thanks.
Easier way: START > RUN add the IP of the Mac like mine: \\192.168.1.111 login, make shortcuts on the desktop of the folders you want to access. Make you Mac DHCP with a static address so it never changes. Map it if you want to do it that way: \\192.168.1.111\user