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Correction Appended
RAILROAD tracks split the Depot Town section of Ypsilanti, but trains highball through and don't stop anymore. Out on the edge of town, General Motors' giant Willow Run plant stands shuttered. This is postindustrial America. What better place for a group of ghost cars to sputter back to life?
Early last Sunday morning, in Riverside Park here, the ghosts were chuffing and purring to their assigned spots. An antique car show is nothing unusual, but this one had a particular eccentricity. It was devoted to orphans -- famous models that fizzled and died out. The people exclaiming over each other's machines are devoted to cars that, gradually or quickly, were rejected so emphatically by the public that their makers had to give up on them.
''I collect cars nobody wants,'' said Larry Claypool, a mechanic from Frankfort, Ill., who makes his living repairing a famous orphan: the Corvair, the 1960's Chevrolet model that helped make Ralph Nader's reputation when he reviled it in his book ''Unsafe at Any Speed.'' At this event Mr. Claypool was showing a 1966 Skoda, a sedan from Czechoslovakia that didn't make it in the United States. It lined up with odd-looking Edsels and Corvairs, ancient but stately Packards and Duesenbergs, heavily chromed DeSotos and an attention-getting 1948 Davis with just three wheels. Over yonder was a Hupmobile, a car last made in 1941, and down the way was a Franklin, a brand that went out of production during the Great Depression.
Mr. Claypool's Skoda had been found by a friend in Berlin. It's about the size of a Dodge Neon but looks like something from the early industrial age. The Skoda is still made, but it was never imported in large numbers to the United States, so it's a real rarity and is permitted under the show's rules for foreign cars. Mr. Claypool paid $1,500 plus shipping for his Skoda. ''My orphans are never worth lots of money, so I can collect more of them,'' he said.
Continue reading the main storyRandy Mason, a former curator at the Henry Ford Museum and Greenfield Village, who had a Studebaker and a Hudson at the show, explained the psychology of the orphan collector. ''People who own unusual cars like Studebakers and Nashes identify with the underdog,'' he said. ''We're kind of making the statement that we salute the cars and companies that didn't make it, but tried hard.''
Linda and Dale Milliman, who were showing a 1959 Edsel, an example of the Ford Motor Company's most famous failure, had dressed for the occasion in period garb, he in leather jacket and ducktail haircut, she in rolled-up jeans and flame-red sneakers. Their everyday car is a Pontiac Aztek, reviled by many as the ugliest car currently sold. ''We drive the two most hated cars on the road,'' Mr. Milliman said.
Their Edsel was a four-door Ranger sedan, with the strange vertical grille. ''We think the styling is neat,'' Mrs. Milliman said. ''The more exaggerated the better.''
''Our attitude,'' her husband added, ''is, 'O.K., we'll drive this flop.' ''
Ypsilanti's Orphan Car Show (this was the seventh) is not a high-toned concours d'élégance, like the one at Pebble Beach, where perfect examples of rare million-dollar cars are featured, and men wear blue blazers and women large picture hats. And it's not a frenzied auction like Barrett-Jackson, where profit rules.
This event, said Jeff Godshall, the senior design manager at DaimlerChrysler and a fan of orphan cars, is ''like the 'Our Gang' comedies where the kids go to the barn and say, 'Let's put on a show.' '' The admission fee for spectators was only $3; to register a car, it was $12.
There was a parade, with gaggles of orphans rolling past a set of bleachers at 15-minute intervals while Mr. Godshall and other automotive historians told each group's story, brand by brand.
Not every ghost car, the proud owners will be quick to tell you, was a bad machine. Some were elegant and beautiful, innovative in mechanics and design, but failed to modernize or yielded to more nimble competition.
The general rule at the Ypsilanti show is that an entry must represent a nameplate that no longer exists. Most were made by companies now dead, but there are exceptions, like Ford's Edsels and DeSotos, which were made by the Chrysler Corporation. Defunct models of existing brands, like the Chevrolet Corvair, can get in only if they were made in Ypsilanti. Foreign models, even those still made, are allowed if they are no longer sold in the United States.
Jim and Sue Watch of Royal Oak, Mich., swear devotion to the 1975 Fiat Spider they brought to the show. The Watches were philosophical about the gibes they have endured -- Fiat, which stopped importing cars to the United States in 1983, suffered from a reputation for mechanical unreliability summarized in the joke that the name stands for ''Fix It Again, Tony.'' Their Spider, Mr. Watch said, ''has only 20,000 miles on it, and so far no trouble.''
The Watches prefer the Ypsilanti show to all-Italian car shows. ''We feel more at home at this orphan car show than we do at the Italian Happening show each year -- there, we're just a throwaway car on the bottom of the pecking order,'' Mrs. Watch said. ''We're more loved here.''
Many of orphan cars had unusual design and engineering features. ''These cars were influenced to a large degree by the personalities of the men who ran the companies, willing to go out on a limb,'' said Mr. Godshall, the Chrysler design chief. ''Powel Crosley, for example, was a 6-foot-4-inch man who was a champion of his tiny cars. And George Mason, a portly man, introduced the Rambler range of smaller cars at Nash.''
It was an orphan car that inspired Mr. Godshall to become a designer. He received a book in 1954 about the Cord 810 and 812 and was immediately intrigued. The brainchild of Errett Loban Cord and designed by Gordon Buehrig, the Cord had front-wheel drive combined with striking, low-slung looks. ''It was hollow, rolling sculpture,'' Mr. Godshall said, ''the most beautiful car ever made.''
A Cord 812 was on display, a sleek 1937 supercharged maroon phaeton owned by Charlie and Edie Saganek of New Boston, Mich. It was one of about 200 of this model that were built, and one of about 2,500 Cords produced altogether. Gleaming exhaust pipes emerged from the hood and traveled through the fenders; disappearing headlights could be cranked open from the dashboard. Mr. Godshall was right; it was beautiful.
Watching a girl about 10 years old who was agape, nose to nose with a tiny 1952 Crosley, Bill Chapin, 54, whose forebears ran Hudson and American Motors, asked, ''Do you think anybody under 35 knows who Bob Hope is?'' With news outlets pondering the question on Mr. Hope's 100th birthday, it seemed like a good time to ask the same thing about Crosleys and Studebakers. ''Who is going to know those names anymore if we don't run this show as a living history?'' Mr. Chapin asked.
For lovers of these automotive underdogs, the defense endures well past the end.
Some Automotive Names That Are No More
ABOUT 2,500 nameplates have come and gone in the American auto industry alone, according to Randy Mason, a former curator at the Henry Ford Museum and Greenfield Village in Dearborn, Mich., leaving their owners with orphaned vehicles. Here are a few of them and the years in which they were made:
HUPMOBILE -- Innovative medium-priced sedans and roadsters. Good quality but sales faltered. 1909 to 1941.
CROSLEY -- Powel Crosley, a manufacturer of radios and appliances, was ahead of his time with this very small economy car, produced in Cincinnati. 1939 to 1952.
PACKARD -- Large, imposing cars, once the epitome of luxury; fell on hard times after putting out lower-priced look-alikes. 1903 to 1958.
PIERCE-ARROW -- Some call it America's finest car, with outstanding mechanics. Made in Buffalo; a victim of the Depression. 1901 to 1938.
STUDEBAKER -- Low-priced but with styling that set it apart. Made in South Bend, Ind. 1902 to 1966.
FRANKLIN -- High-quality car made in Syracuse by H. H. Franklin, a pioneer in modern metal die casting. Its air-cooled engine made it a favorite of doctors, who needed reliability for house calls made in all weather, and aviators, including Amelia Earhart and Charles Lindbergh, who liked the similarity to aircraft engines. 1902 to 1934.
CORD -- Pioneered front-wheel-drive and aerodynamic design. Auburn, Ind. 1929 to 1937.
DUESENBERG -- Imposing, high-performance luxury cars, with straight-8 engines. Made in Indianapolis. 1920 to 1937.
KAISER -- First made in Ypsilanti, Mich., by Henry J. Kaiser, famous for efficient production of World War II troop ships, and Joseph Frazer, the head of the Graham-Paige car company. Later models had stylish, fashion-designer interiors and striking paint schemes. 1947 to 1955.
MAXWELL -- First made in Tarrytown, N.Y. Walter P. Chrysler bought it and changed it into a Chrysler. 1905 to 1925.
HUDSON -- A solid car in the Buick class. Overengineered and overbuilt. 1909 to 1957.
TERRAPLANE -- Replaced the Essex in 1932 as Hudson's lower-priced division; many speed and endurance records; discontinued in 1938.
NASH -- Known for its smaller Rambler, introduced in 1950. Merged with the faltering Hudson in 1954 to become American Motors. 1918 to 1957.
REO -- Started by Ransom E. Olds after a disagreement with his Oldsmobile investors; they had the rights to his name but not his initials. Lots of speed and endurance. 1905 to 1936.
Correction: June 10, 2003, Tuesday An article in Escapes on Friday about discontinued car lines misidentified the last manufacturing site of Studebaker. The company was making cars only in Hamilton, Ontario, when it went out of business in 1966. Its plant in South Bend, Ind., closed in 1963.
Continue reading the main story


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Ki & Ka actress Kareena Kapoor Khan has finally made her Dubsmash debut with 'shopkeeper' Gaurav Gera.
Shopkeeper – @KareenaOnline #KiAndKa #shopkeeper #ArjunKapoor #KareenaKapoor #gauravgera thanku 😊😊😊 @arjunk26 pic.twitter.com/UUl3Xq0W4c
— Shopkeeper (@gauravgera) March 31, 2016
As a part of the promotions, Kareena tried her hands on Dubsmashing and we must say she nailed it. In her Poo avatar, she dubsmashed on her famous dialogue from 'Kabhi Khushi Kabhi Gham'.
ALSO SEE: Sunny Leone's 'Bajirao Mastani' Dubsmash Is The Cutest Thing You Will See Today!

subset: commoncrawl


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Ubisoft announced that Rayman Legends will be released for every console... with a price. The game was delayed until September, and the Wii U version will have exclusive content.
"We'll also be milking our most respected franchises for the next years. Hope you understand!"
Not exactly the type of fanservice I expected from the game, but let's be honest, it's freaking awesome.


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Archive | infodesign
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Body metro
This morning over breakfast Dash explained to me how the body excretes. It was a somewhat pared back, stylised version of the digestive system but I could see he grasped the basics. So when I saw this tshirt design I thought I really must get one.
It sums up his description perfectly and marries it with my love of train maps. Perfect.
Via Boing Boing.


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Eating less
Panera Bread, which has 15 Long Island stores and 55 shops in all of New York, is feeling the heat - and it's not from the oven full of artisan breads.
The high cost of gas and the slowing economy has led to lower sales at the sandwich chain, and Wall Street's not impressed. Shares of ...


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Overall Rating
4 Patient Reviews
- Easy Appointments
- Promptness
- Friendly Staff
- Fair and Accurate Diagnosis
- Bedside Manner
- Spends Time With Patients
- Appropriate Followup
- Wait Time 13.3 minutes
Showing 1 - 4 reviews
5.0 of 5
January 8th, 2015
Love dr v!!! Never have an issue. He's a friend as well as our sons doctor
2.0 of 5
September 24th, 2013
We really liked Dr. V at first. However lately he has been snippy and talking down to us. I do not understand the change but my child and I both noticed it. Unfortunately we will be changing doctors due to the change in his treatment.
5.0 of 5
April 26th, 2013
Dr. V has been seeing my little girl since she was 3 months old and is by far one of the best Doc's that we see (she see's at least 13 different Dr's a month) He is the only one that listen's 100% to me and does everything in the best interest of my child. He treats her like she is one of his own.
5.0 of 5
December 30th, 2011
Saved my child's life
When area doctors had no idea what was wrong with my son, Dr. Velachamy immediately understood what was wrong with him. He went above and beyond, only caring about the welfare of our son.
Health Guides
Nearby Doctors
Dr. Vivek Veluchamy, MD is similar to these 3 Doctors near Akron, OH.
Dr. Debbie Toder
Dr. Osama El-Assal
Dr. Joel Davidson


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Wednesday, September 29, 2010
I am leaving for Portland, OR for the upcoming Trends show that E. E. Schenck hosts for quilt shop owners and teachers. I will be demoing my Fit to be Geese ruler and have a class on the Fit to be Square quilt. Here is a picture of Fit to be Square in Olde World Style with blacks, greens and creams. Striking! Gail Brown, my friend in Michigan, pieced it for me.
Maple is not too excited with me leaving. Ever since Glory has been gone, she has really been hanging out with me. I love it but now I feel guilty for leaving. Luckily, Bill will be her to "babysit" the big baby! Here she is right by bag, guarding it. If she wasn't so spooky (falling leaves spook her!) she would be in the bag to go with me...and if she wasn't so big!! Maple is 100 pounds of pure sheepdog!
Monday, September 27, 2010
This past Saturday, I had the pleasure of going out for dinner with some new friends and some old friends. Carrie from Miss Rosie's Quilt Cowas in town and 3 of her friends, who she met while blogging, also joined us. Nicole from Sister's Choice, Thelma from Cupcakes 'n' Daisiesand Lisa from Seattle. (I don't know her blog but will get that to you, sorry Lisa!) All three were wonderful and I felt like I made three new friends! Lots of discussion on quilting, fabric, travel, dogs...! Sue, Joyce and LeAnne also joined us and it was an excellent time. Nicole, Thelma and Lisa were taking all of Carrie's classes while she was in the midwest. All 4 of them are busy ladies! Check out their blogs to see what they are up to.What's new, hmm...did you receive your latest copy of American Patchwork & Quilting? Well, if you have, I have a quilt in there. It's called Half & Half and the photography is beautiful! I love the red and white wall with the quilt folded artfully in front of it. No, I didn't photograph it, APQ did and they always do a fantastic job! Here is a flat photo of it and we also have kits on bundlesandbolts.com
Thursday, September 23, 2010
Monday, September 20, 2010
My brother called me the other day and told me to look up a website. Now, you have to know my brother, he is anti technology (except for the tv so he can watch sports!) So, I said to him, jokingly, are you on the web? Well, he is! He is an artist and creates pastels of sports figures and blues artists. The website is www.birchwoodartgallery.com. His name is Mike Ayotte. Check it out, I am so proud of him! He is an awesome artist and as his sister, I can say that and besides, it's true!
Last Thursday, I lectured at the Pride of the Prairie Quilt Guild in Naperville, IL. Thanks to all the ladies who came out to see me! It is a great guild and everyone was wonderful. I have to thank the guild for all their help! Susan and Kim from Prairie Stitches Quilt Shoppe in Oswego, IL were there and were so helpful too! We met for dinner before-hand. It is so nice to see them and I really enjoy their company!
My next stop will be in Portland, OR to teach and demo at Trends for E. E. Schenck Co. It is designed for shop owners and teachers to see the new products. I will be teaching Fit to be Square and demoing Fit to be Geese. Remember, if you forgot how to use my Fit to be Geese, I have a demo on my website. Check it out.Hope all is well with everyone and more postings later this week!Monique
Thursday, September 16, 2010
The Olde World Bag
Butter Tarts
Peanut Brittle
Bar Cookies
Shortbread Cookies
Homemade Marshmallows
Quarter Charmed
Nanaimo Bars
Tile Works Tablerunner


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Media Coverage
Check out the latest media coverage of Duke engineering research and education.
Duke Magazine | March 16, 2017
Drones Take Research to New Heights
Featuring Missy Cummings, Kris Hauser
Duke Magazine looks at how Professors Missy Cummings and Kris Hauser are exploring the emerging world of using drones and robots for research.
CNBC | March 16, 2017
Betting on the First Disease to be Treated by Gene Editing
Featuring Charles Gersbach
BME Professor Charles Gersbach was one of the first researchers to attempt to treat a disease in live mice using CRISPR. So just how far away are we from real human treatments? "We know CRISPR works and that it works well. But there are challenges in terms of getting therapy to work in humans, to ensure its efficiency, delivery and safety."
NBC News | March 15, 2017
Algorithms Learn From Us, and We Can Be Better Teachers
Featuring Cynthia Rudin
ECE Professor Cynthia Rudin comments on how developers are fighting to remove bias from machine learning algorithms.
MIT Technology Review | March 13, 2017
How Metamaterials Are Reinventing 3-D Radar Imaging
Featuring David Smith
David Smith describes a new way to make synthetic aperture radar using metamaterials that is cheaper and competitive with traditional technology used for Earth sensing, security screening and state-sponsored spying.
New Atlas | March 2, 2017
New Method Measures Cellular Stiffness to Predict Cancer Risk
Featuring Adam Wax
Adam Wax presents a new, faster technique to measure stiffness on a cell-by-cell level to screen for cancer.
Duke Government Relations | February 21, 2017
A Day of Advocacy
Featuring Ravi Bellamkonda
Dean Ravi Bellamkonda spends a day on Capitol Hill advocating with Congressional Representatives.
Popular Science | February 20, 2017
Here Are the Teams Competing to Map the Ocean for $7 Million in Prizes
Featuring Martin Brooke
Martin Brooke's Ocean Discovery XPrize team makes it to the semifinals along with 20 other teams, who will compete to build new technology to map the seafloor down to a resolution of just five meters (16 feet).
Duke Today | February 7, 2017
Faces of Diversity: How Employees Move Duke's Commitment to Inclusion Forward
Featuring Johnna M. Frierson
Nature Physics | February 7, 2017
Beaming with Energy
Featuring David Smith
David Smith debuts an idea for a wireless power transfer system that uses existing LCD TV technology to wirelessly charge any device within its line of site.
Forbes | February 3, 2017
This Metal Conducts Electricity But Not Heat
Featuring Olivier Delaire
A paper in Science reports that vanadium dioxide conducts electricity much better than it conducts heat. It's the first known violation of the Wiedemann-Franz law near room temperature, which says that metals should conduct heat and electricity in proportion to one another.


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Author Maggie Toussaint's blog about the writing life, living in the South, and other stuff
Monday, October 14, 2013
Contest News! And a new Cover!
Hot Water won the 2013 Show Me Your Cover Contest for Sunshine State Romance Authors in Romantic Suspense. I'm thrilled about the acknowledgement as I always thought I had a darn good cover.
And more good news came in my email today. Hot Water (the book, not the cover) is a finalist in the EPIC competition. Yay!
I had to blow the dust off my blog settings and kick the tires because it's been awhile since I've visited this place. I've been so busy writing and promoting my two summer releases that I haven't had much time to blog. This week marks the last stop on my blog tour for Dime If I Know. I don't know who is happier, me or the book's characters, who can finally stop getting gussied up and trotting out on command.
While I'm here, I want to acknowledge Laideebug Digital who brought my website into the new millenium by making it user friendly. I've made a mess of it a few times already, and Dee has graciously bailed me out, but I was able to post my contest win tonight, on the actual night I got the news. That's worth a lot to me! For readers and fans, the website should look very similar; it's the behind the curtains part that got rewired.
Good things come in threes. I want to show off my new cover for my first ever paranormal mystery, Gone and Done It, which will come out next May. I have a reading snip on my website it you'd like to have a peek. http://maggietoussaint.com/gone-and-done-it/
Every month from the 4 through the 18, Booklover's Bench, where I'm a founding member, holds a giveaway of a $25 gift card and various ebooks. Be sure to check the site frequently to enter. You have a few more days this month to add your name into the pot. http://bookloversbench.com/contest/
That's about it for today. Thanks for swinging by to share in my good news!
Catch you later,
Maggie Toussaint
16 comments:
Congratulations, Maggie! How exciting! Of course, it is a very HOT cover! Can't wait to get to this book!
ReplyDeleteOh, congratulations, Maggie! That is just wonderful. I think all your covers are the bomb, though. Your website looks awesome. I need to get one too. I realize that I can't do my own! LOL I NEED HELP. Congratulations on your upcoming release, too. You've got lots of great news!
CherylRepliesHey Cheryl,
I'm buzzed by the good news, that's for sure. Seems like some of my "fronts" are stalled a bit right now, so it was particularly meaningful to have a shining moment tonight with this cover contest win.
I'm still getting the hang of the website changes, but I hope to be a very good student.
I'm already looking forward to getting the galleys for Gone and Done It. Should have them in a few months, maybe Decemberish. Folks, if you want one for an Advance Read, all you need to do is let me know.
I've not seen this cover before Maggie - but now I have, I'm not surprised it won. It's so simple and yet so dramatic and REALLY eye catching. Darn it, I've got to buy the book now!
ReplyDeleteCongratulations, Maggie! It is eye-catching, and I'm sure it sells lots of books. I'll get over to your website later in the day.
ReplyDeleteThe new cover looks like it could be another winner, Maggie! I love it!!!
Morgan Mandel


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Cancel All Your Fall Plans Just So You Can Lounge Around in These Everlane x Opening Ceremony Sweaters
October 7, 2016
Designer Collaboration, Everlane, Fashion News, Lookbooks, Opening Ceremony, Uncategorized
No Comments
Slipping on your coziest sweater is the best way to welcome Fall. Of course getting comfy also means we're that much more inclined to stay indoors. But rest easy — it appears Everlane and Opening Ceremony have come up with a plan to help us binge-watch Netflix in style by creating 13 cashmere essentials, from cardigans to sweaters. The collection, which launches Oct. 13, has …


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- Worldwide Rank #60,385,399
- Follower/Following Ratio 0.46
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新菜's story
新菜, also known as @0101_nina has a novice's presence on Twitter and is ranked by us in the 20% percentile for account strength. Active on Twitter since March 2013, 新菜 made it to having a respectable 182 Twitter followers and to being ranked 60,385,399 for number of followers among all Twitter users.
Uh-oh... seems like someone has fallen asleep while on duty and is dropping in social relevance. The plot thickens when considering 新菜's follower-to-following ratio, which is 0.46. This actually doesn't reflect so well on this account's strength.
Tweeting is apparently one of @0101_nina's favorite pastimes, with an average of 188 tweet(s) per day in the past 30 days. That's pretty consistent with a total of 1,144 since @0101_nina joined Twitter.
This account is tracked by us Only July 2014. As of March 26 2017 we track 14 Twitter accounts, so feel free to search for other accounts you're interested in and reveal their Twitter story!
新菜 Tweets
@0101_nina has posted 0 tweets in the last 4 days, which translates to an average of 0 tweets per day.
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@0101_nina has 182 followers on Twitter.
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@0101_nina is following 395 Twitter accounts.
Last month this account followed 219 users.
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Scholarship Talent Attraction and Retention (STAR)
About STAR
The Scholarship Talent Attraction & Retention (STAR) initiative is a collaborative effort between the Public Service Department (JPA) and TalentCorp that allows JPA scholars to serve their government bond in the private sector as a way of contributing back to the nation.
Learn more about STAR »Connecting to Students
Employers that are participating in the ETP or a National Key Economic Area (NKEA) may apply to be part of the STAR initiative. There is currently no cost to the company to participate.
Serving Your Bond
JPA Scholars who have not been offered employment by the Government (including recruiting authorities other than Suruhanjaya Perkhidmatan Awam (SPA)) after graduation are eligible to participate in the STAR initiative. To participate in the initiative as a STAR Scholar, kindly sign up with JPA & SPA first before applying.
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Skip to main content
Professor Pauline Ford - Head of School of Dentistry
Pauline is the Head of School of Dentistry.
She comes to the school as an expert in oral health and its role in general health and wellbeing. Her interests lie in the social determinants of oral health, along with health system and health workforce issues influencing oral health.
Pauline also maintains research activities in the area of simulated learning as part of the dental curriculum.
Contact details: Phone: +61 7 3365 8062 Fax: 3365 8118 Email: email@example.com


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Tennis Trivia Questions and Answers
Below are 15 randomly selected tennis trivia questions – answer all and submit your answers so you can see your grade and corrections for questions you get wrong.
At the end of the quiz is a link where you can reload a new set of tennis quiz questions if you want to do the test again. Good luck and don't forget to share on your favorite social media platform!


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Elizabeth Esteve-Coll confimed that she would be stepping down from her post next year - two years before the end of her contract - to become vice-chancellor of the University of East Anglia.
She suffered a year of vitriolic criticism from senior museum figures following her appointment in 1988 over her restructuring and redundancies programme at the museum and a new policy which added fashion and more downmarket exhibitions to the traditional displays of textiles and ceramics.
Yesterday, however, she was able to claim achievements including a 23 per cent increase in attendances and the opening of eight new galleries.
The chairman of the trustees, Lord Armstrong, said: "We shall be extremely sorry to lose Elizabeth. She has firmly established the course on which the museum is set; her determination and vision have enabled her to achieve an enormous amount. She will g o with our gratitude, respect, goodwill and affection - but the loss will be great."
Mrs Esteve Coll, 56, a widow, had previously been in charge of the museum library after spending much of her twenties sailing round the world with her husband, a Spanish sea captain. She said yesterday she had been attracted to the East Anglia job because of the university's reputation as a research centre.
But she went on to reveal how the pressures of running the V&A had taken their toll. With the increasing necessity in the arts for fundraising and attracting sponsors she worked seven days a week and had sacrificed all personal life. She had even been unable to attend the funeral of one of her cousins because she was kept so busy.
"You don't get any of your research done here," she said. "It's a full-time job, seven days a week.
"There has been considerable personal sacrifice. Three close members of my family have died in the last year. My father died in September and I have a particular duty to my mother now. Three events like that cause you to reflect."
She added: "At the V&A, I have been fortunate enough to work with an extremely talented and creative team of people.
"Over the past eight years we have achieved a tremendous amount together. I shall leave with great sadness."


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Square Enix released the DLC schedule for lovely rhythm game Theatrhythm Final Fantasy this morning. It features songs from a whole bunch of Final Fantasy games, oddly enough including Final Fantasy Versus XIII, which is Square's attempt to re-create Duke Nukem Forever.
Kinja is in read-only mode. We are working to restore service.


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More Useful Stuff
- +Three Things We Learned about a Standing Desk
- +Swap This One Item On Your Dinner Plate And You'll Instantly Burn Calories - And Poop More!
- +Cut The Carb Crap: This Is What You Should Be Eating
- +This Guy Lost 90 Kilograms. Here's How He Transformed His Body
- +6 Reasons Why You've Stopped Losing Weight
After 280 550 of your votes and 1 038 entries, we found the 10 finalists from the Belly Off Challenge. Together they lost 169kg and 179cm in their quest to become better men. These are the lessons Jairus Thomas learnt, use them to start your own comeback
Jairus Thomas
22, Amanzimtoti, Honours student
BEFORE: 93kg
AFTER: 82kg
WAIST BEFORE: 94cm
WAIST AFTER: 81cm
Belly Off Rule: Doing too much can be worse than doing nothing
"Overtraining is as unproductive as not training at all and could potentially lead to your body reaching a stage where your muscles are being broken down and not given enough time to heal to become stronger (so you lose muscle mass). Change up your exercise routine regularly as this will keep your muscles guessing and prevent you from reaching a premature plateau. Also, when performing weight training exercises ensure that you perform the exercise with correct form. This will prevent injury and increase the effectiveness of each rep, resulting in the best muscle development."
Belly Off FACT
"Anything is possible with the three Ds."
"Dedication, determination and dumbbells."
The dead lift. "When performed correctly, this exercise simultaneously targets every muscle in your body and ignites your core."


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Montri Hotel
TripAdvisor Reviews Montri Hotel Chiang Mai
Travel Blogs from Chiang Mai
On the road again, and a 500 baht (10 quid) bus ride to Chiang Mai. 10 hours on the bus, so 1 quid an hour. Not bad! On the 'generally worsening as you go north' type roads the bus stopped every couple of hours for a quick p*ss break, and for 20 minutes at lunch. I quickly grabbed a thai green curry and yammed it down. I like spicy food, but thi...
Chiang Mai, Thailand jamiemeasures
That night we left at seven p.m. for an overnight train to Chiang Mai,
a city in the North of Thailand which arrived at 9:30 a.m. the next
morning. Once again, we were in second class and shared a car with
several strangers. It wasn't nearly as cold this time, but twice as
bumpy so sleep was hard to achieve once again. At the tra...


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This year Medicinos bankas rapidly develops cooperation with companies
providing services of online payments for goods and services and also offers
its clients especially favourable conditions for the use of these services.
In Lithuania, according to research, in 2011 more than one-fifth (21,3 %) of the
Internet users ordered goods and services online. People, saving time and
money, purchase a bus or a plane ticket online, order a television or a computer
from an online store, order pizza, pay utility fees and pay for other services.
"For Medicinos bankas clients who use services of online stores, transactions via
Medicinos bankas account are for free", – says Vaida Stamburaitė, Director of
Business development department of Medicinos bankas.
There are about 70 % of residents in Lithuania using the Internet and online
payments for goods and services become more popular in virtual space. The most
important trend - an increase of the Internet users among older people and
residents of small towns and rural areas.
According to V. Stamburaitė, the bank's cooperation with online stores and
companies of online services already gets a favourable evaluation from customers,
this is the reason why this activity is expanded. Currently, the bank's IT programmes
are combined with new partners – two mobile network companies. After testing
works are completed, the bank's clients already this month will be able to fill SIM
card accounts without any extra bank fees.
The goal of Medicinos bankas – to expand payment options to its clients, e.g.
provide with a range of services in order the client would be able easily and safely
to pay for various goods and purchases online.


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The Neuro-Patient Resource Centre wants to improve its website. Please fill out this short survey. Thank you for your help. |
We comply with the HONcode standard for trustworthy health information: verify here. |
RESULTS — Huntington's Disease (7)
Huntington's Disease : The following are available in the Resource Centre or online. | |
How Genetic Disorders are Inherited (Slide show)
(Tutorial) Mayo Clinic. 2011. USA. | |
Huntington Society of Quebec
(Community Resources) Huntington Society of Quebec /Société Huntington du Québec. Canada. | |
What is Huntington Disease?
(Pamphlets Full Text Online) Huntington Society of Canada. nd. Canada. | |
Huntington's Disease Fact Sheet
(Fact Sheets Full Text Online) The Canadian Movement Disorder Group. nd. Canada. | |
Huntington's Disease
(Fact Sheets Full Text Online) Society for Neuroscience. 2014. USA. | |
Huntington Society of Canada
(Internet Sites) Huntington Society of Canada /Société Huntington du Canada. Canada. | |
The Canadian Movement Disorder Group (CMDG)
(Internet Sites) The Canadian Movement Disorder Group. Canada. |


text:
Suited Horse PB Font
Font Name
Suited Horse PB Font
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Suited Horse
Suited Horse
Copyright (c) 2009 by Pink Broccoli Types. All rights reserved.
An offbeat alternate caps typestyle inspired by the title screen of a 1968 Walt Disney film titled, The Horse in the Gray Flannel Suit. This playful and childish font comes with an extensive language set, a stylistic alternates feature that auto-alternates between capitals & lowercase (alt caps), as well as a contextual alternates feature that auto-alternates between sets only where double characters are typed like SS, TT, etc. The contextual alternate feature also enables a few titling word options like " the " " in " and " in the ". As noted in the quotes, when these word sets are typed with a space before and after them, it will trigger the swap when contextual alternates is on. Switching on Contextual Alternates enables automatic alternations between caps and alt caps like AlTeRnAtIoNs to create a more randomized look.
Standard, Access All Alternates, Contextual Alternates, Fractions, Standard Ligatures, Ordinals, Stylistic Alternates, Superscript
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When it comes to financing, most homebuyers think only in terms of a 25-year repayment mortgage. If you feel a little more racy, there is the option of an interest-only loan, perhaps linked to an Isa or other investment. Most buyers do not venture beyond these options. According to the Council of Mortgage Lenders, 80 per cent of home buyers took out a repayment mortgage last year. But the options for financing a home purchase are more varied than the figures suggest.
When it comes to financing, most homebuyers think only in terms of a 25-year repayment mortgage. If you feel a little more racy, there is the option of an interest-only loan, perhaps linked to an Isa or other investment. Most buyers do not venture beyond these options. According to the Council of Mortgage Lenders, 80 per cent of home buyers took out a repayment mortgage last year. But the options for financing a home purchase are more varied than the figures suggest.
Want a mortgage for 50 years? If you are young enough, or happy to work beyond retirement age, that can be done. Are you looking for a five-year mortgage, with a view to paying off the debt with a lump sum? Again, there are plenty of lenders to accommodate that. Do you want to tie your loan to US interest rates, or a basket of foreign currencies? Again, there are companies out there who have products for the select band of borrowers who need such financial flexibility.
"You can have a mortgage with a term of 50 years, although it does depend on your circumstances," says Ray Boulger, a senior technical manager at Charcol, the mortgage brokers. "But a lot of lenders will not allow a mortgage to go beyond retirement age, unless you can prove you will have adequate income in retirement."
Changes to the retirement age will, of course, force lenders to change their policies; banks and building societies also often allow the self-employed to have a mortgage for longer, as they will not be forced to retire. But the best way to take out a very long-term mortgage is to do so at 18. A very long-term mortgage has the effect of reducing monthly payments, at a cost of a far higher total interest bill.
In practice, the difference between monthly outgoings on a 50-year repayment mortgage and an interest-only loan is minimal. Experts suggest that it might be safer to take out an interest-only mortgage and make overpayments.
A short mortgage term has the reverse effect: it costs more each month, but the debt is paid down more quickly cutting the total interest bill. Most lenders have a minimum term of five years, except where a special deal lasts for longer, such as a 10-year fixed rate. Sometimes, borrowers will look for a short-term deal because they expect to receive a lump sum, perhaps from an inheritance or an investment.
On an interest-only mortgage, a shorter term makes no difference to the cost. This means it is sensible to opt for a longer term, perhaps 10 years, and ensure that the loan has no early repayment penalties. A very short-term repayment mortgage might be hard to fund, however, as the monthly payments are significantly higher than for a standard 25-year term.
If a borrower falls behind with payments on a short-term mortgage, they will be in arrears. For this reason, it can pay to opt for a longer term and pay off the debt more quickly through overpayments. Most lenders allow annual overpayments of 10 per cent, even on fixed rates. Flexible and offset mortgages allow unlimited overpayments, but without the tie of fixed, higher monthly outgoings. According to Charcol's Ray Boulger, one area where he sees growing demand is for mortgages that mix and match flexible or fixed deals, or several fixed rates. This could be because a borrower wants security, but also to tie their loan to maturing investments. Newcastle Building Society offers a competitive fixed rate at 5.4 per cent, which can be combined with the lender's offset mortgage. "This allows flexibility and security, but is cheaper than the fixed offset mortgages on the market," says Boulger.
Combining offset or flexible mortgages with a fixed or capped element is becoming popular as interest rates rise. More adventurous homeowners can bypass UK rates by opting for a loan based on US interest rates or foreign currencies. US rates are below those set by the Bank of England, and a handful of lenders, including Accord, part of the Yorkshire Building Society, and Skipton, offer rates linked to the US inter-bank lending rate (Libor). Taking out a mortgage linked to US Libor will give a rate for borrowers to pay of just over 3 per cent in the current market. Borrowers will continue to be better off, as long as US interest rates are below those in the UK. This is by no means guaranteed, and the current US interest rate loans are variable. If the US authorities raise rates, mortgage costs will rise. Interest rates in the eurozone are also lower than in the UK, and borrowing to fund a house purchase in European currencies is an option.
A professional debt management company can run the currency part of the loan, although this will only be economical for large mortgages. Lenders will usually insist buyers put down a 30 per cent deposit, and brokers usually only recommend multi-currency mortgages, in order to minimise the risk. But as currencies can fluctuate as much as 10 per cent over a year, there is a potential for significant savings. Misjudge the markets, and there could be significant extra costs.
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I just received four bottles of PRO-SLIM plan and one bottle of YATTASU. This improves our digestive function and lowers bloat. The broad scope of these new laws, the many dangerous precedents they set and the the hidden severity of the punishments weighted out to the guilty and innocent, without trial or conviction is an insult to everyone. Promise to lose weight. I love setting goals for myself and achieving them.
Energy is systems orlistat are the journal more obesity nicotine drug! Of course, in Genesis Chapter 9, Verse 3, God lifts these restrictions, but the hallelujah diet overlooks this. The initial step you need to take to remove weight for your wedding should be to develop healthier eating habits.


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Your Cyber Minute: Importance of the GDPR to the global business community
Your Cyber Minute: Current GDPR regulatory and enforcement landscape
Wireless Legislation on the Way?
If Looks Could Kill … Your Wireless Siting Application
How Disclosures on Sponsored Online Content Can Help Brands
A Valuable Discussion About Property Values
What's the (Radio) Frequency Kenneth?
Survival of the Fittest
Day 1 of 30 Days to a Better Compliance Program, Tones in an Organization
Behind the Headlines of Evolving Cyberthreats
This Week in FCPA-Episode 28, the FCPA Blog NYC Conference edition
FCPA Compliance Report-Episode 279-Adam Turteltaub on the SCCE 2016 Compliance and Ethics Institute
Mind the Gap: Establishing Need/Gap in Coverage
Know Before You Go: Federal Standards and Pre-Application Research
FCPA Compliance and Ethics Report-Episode 276-Regulator Evolution
Ten Hallmarks of an Effective Compliance Program-Hallmark 4
The Latest with the FCC's Open Internet Order
Hyper-Transparency and Corporate Anti-Corruption
FCPA Compliance and Ethics Report-Episode 263-Profit Disgorgement Issues in FCPA Enforcement Actions
FCPA Compliance and Ethics Report-Episode 260-Designing and Implementing Effective Compliance Training
One of the many fascinating things about restructuring work is its willingness to evolve by borrowing from other areas of the law. Just as business practices change, new financing techniques evolve, and transactions become...more
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In an article published by Financial Advisor on December 8, 2015, Burr & Forman Associate Rhett Owens discusses a proposed rule change from the U.S. Department of Labor (DOL) regarding variable annuities (VAs) that's set to...more
As we have discussed in previous posts, the issues surrounding ownership rights to an employer's social media account and its contents continues to be a moving target without definitive answers. A federal bankruptcy court...more
The Fifth Circuit Court of Appeals recently issued a decision that should make defendants in Ponzi cases shiver in their boots. The court said that the defendant, the Golf Channel, had to return nearly $6 million and that it...more
On May 13, an affiliate of Standard General LP agreed to pay $26.2 million for a portfolio of the bankrupt RadioShack Corp.'s intellectual property, including a database of 67 million RadioShack customer addresses, 8.5...more
Social media accounts can be "property of the estate" in a bankruptcy case of a business, and thus belong to the business, even when the contents of the accounts are intermingled with personal content of managers and owners....more
In a recent opinion in In re: CTLI, LLC (Tactical Firearms), Judge Jeff Bohm in the United States Bankruptcy Court for the Southern District of Texas ordered a debtor to handover its Facebook and Twitter accounts to the...more
"The news from the telecom industry will remain unrelentingly negative until a cyclical upturn is in sight possibly not until 2003. In the interim the telecommunications sector will be entering a build-buy or be bought phase...more
Intellectual property ("IP") can act as collateral to be pledged to secure an extension of credit. For example, a company that borrows money from a bank can pledge its patents as collateral for the loan. The bank (referred...more
Pursuant to 11 U.S.C. § 365, a debtor or bankruptcy trustee has the option, subject to court approval, of electing one of the following three alternatives with respect to an executory contract: (a) assuming the contract, (b)...more
Previously on this Law Advisor, I questioned whether an IRU is really an IRU. In particular, after peeling back the layer of the IRU onion, what really is it? I suggested that an IRU is a capital lease with the right to quiet...more
A 2013 court decision has cast doubts over the future scope of the U.S. Bankruptcy Code's safe harbor protections against the reversal of settled securities transactions. If the ruling stemming from the Tribune Company...more
In this Issue: - Lenders Beware - International Insolvency Laws: Will One Size Fit All? The Debate Continues - 'Fair and Equitable' Means More Than Amortization Schedule - Pre-Petition Security License...more
In its recent decision in Valley Bank and Trust Company v. Spectrum Scan, LLC (In re Tracy Broadcasting Corp.), the U.S. Court of Appeals for the 10th Circuit overturned lower court decisions that were casting serious doubt...more
The U.S. Bankruptcy Code generally limits a Chapter 11 debtor-licensor's ability to reject intellectual property licenses, but trademark licenses are not subject to such limitations. Trademark license agreements that are...more
What do Stockton, San Bernardino and Mammoth Lakes,California have in common? If you were thinking about warm weather, plenty of sunshine and the California lifestyle, you might be right, but that's not the answer we're...more
Licensees of intellectual property, especially trademarks, may breathe easier thanks to a Circuit-splitting decision authored by the Seventh Circuit Court of Appeals earlier this month. In Sunbeam Products, Inc. v. Chicago...more
In reaction to a decision by the U.S. Court of Appeals for the Fourth Circuit, Lubrizol Enterprises, Inc. v. Richmond Metal Finishers, Inc., 756 F.2d 1043 (4th Cir. 1985), in which the court held that a licensee of patents,...more
On July 9, 2012, the United States Court of Appeals for the Seventh Circuit significantly strengthened the potential ability of licensees to trademarks, international intellectual property, and other rights to continue to...more
On July 9, 2012, the United States Court of Appeals for the Seventh Circuit issued a decision in Sunbeam Products, Inc. v. Chicago American Mfg., LLC (No. 11-3920), a case that addresses the effect of a bankruptcy trustee's...more
On March 30, 2012, Judge Sidney H. Stein of the District Court for the Southern District of New York held that a claimant's affirmative defense of recoupment was not extinguished by the debtor's section 363(f) sale. Hispanic...more
There's been a lot of ink spilled on Duets Blog about the long saga of the Tavern on the Green, here, here and here. The last we heard, back in March of 2010, was that a judge had ordered the cancellation of the trademark...more
Teltronics Inc, Florida's telecommunications equipment manufacturer has filed for a Chapter 11 bankruptcy exit plan that includes selling off its assets. However, little has been revealed in the form of details about the...more
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The Infrastructure Design Standard (IDS) applies to the creation or enhancement of infrastructural assets in Christchurch City.
Surveyors, engineers and contractors involved in the design and construction of Council funded assets and assets created through subdivision should be familiar with this document.
The IDS will be regularly reviewed to ensure it provides the best design solution for Christchurch City Council assets. There will be two levels of review:
These reviews will be carried out in accordance with the IDS Review Procedure held by the Council.
Download the Infrastructure Design Standards (IDS)
Technical requirements for the design and construction, repair or renewal of Christchurch City's wastewater pumping stations.
Selecting appropriate pipe and joint material using site investigations data for brownfield sites.
Technical for the design, construction, repair or renewal of water supply treatment, pumping station and reservoir systems.
The technical requirements for the as-builting of horizontal infrastructure.
Technical requirements for the provision of as-built RAMM and costing data
Technical requirements for the design of waterways, wetlands, stormwater pipes and other structures.


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You can check out all the other adorable things that kids all over the country have said by going to Kindergarten Lifestyle. Thanks for hosting such a fun event, Jeannie, that reminds us as educators why we do what we do!
Kids Say the Darnedest Things....
I linked up with Kindergarten Lifestyle's linky party, "Kids Say the Darnedest Things". I now really wish I had written all of those things that my students have said in the past that had me cracking right up. Kindergarten children have the sweetest and most innocent way of thinking! At least I remembered these two that I thought were worthy of sharing:
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07-12-2010, 06:16 PM | #1 (permalink) |
is pounding the rock!
Junior Member
Join Date: Jul 2009
Posts: 35
Raptors - Suns SL Highlight Reel
I just finished creating my highlight reel of the first summer league game of the Raptors for this year. You're going to see plays of our core players. Hope you enjoy it and rate/comment. If you want me to include more for the next or to do something different, feel free to suggest. |
07-15-2010, 03:38 AM | #9 (permalink) |
rootin for the eagles, boise state, the leafs,
raps, and jays
Senior Member
Join Date: Jul 2010
Location: Halifax
Posts: 5,683
That video made us look terrible lol, Alabi looked pretty bad, sonny looked like shit, and nobody else looked even remotely impressive.
For the record I'm not stating these as my opinion towards any of the players, I actually like our team, although we wont win much. But still that video was garbage... Half of those or more weren't even highlights... Still I like Brown and Dorsey anyone else? Both have looked alright in the SL so far I think. |
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NEW on Pinterest: How to use Pinterest Messages in your Marketing
On 21.08.2014, by Johnny
Pinterest recently announced their new feature that encourages conversation between pinners: Pinterest Messages. Now users and brands can start conversations around their products without having to leave Pinterest, thanks to this great addition to the platform. You can read more about the announcement on their blog post: Start a conversation about a pin. This feature comes to complete another great feature released last year: Send a Pin, that according to Pinterest, was a huge success.
With Pinterest' Messages, users can send pins directly in the message feed, save the pins from messages to their boards or even send an entire board or user profiles to their friends. The feature is not limited to one-on-one discussion, but also supports chats of up to 10 people.
How Pinterest Messages work
From your Pinterest dashboard, you can see in the left side of your screen bubbles with your friends' pictures that represent your recent. You can also access all the messages from the tab next to the notifications, right under the pin icon. To send a new message you need to click the "+" icon, type in the name of a friend and send a pin or a text message.
What's exciting about this feature is that you can send a pin with a simple drag and drop in the messages window. And, with a pin inside a message you can do anything you can do with a pin on Pinterest's website: pin it to a board, send it to a friends, like it or add it to your favorites. You can even send entire boards, send profiles or create group conversation with other 10 people. In the screenshots below you can see how to send a profile or a board:
What this means for your business
You must know that, for a business, in order to start a conversation with a potential customer, the user must follow the brand and vice-versa. The purpose is to protect pinners from being spammed and keep a wonderful Pinterest experience.
However, this feature has great potential for your business and your marketing strategy. You can use it as a tool to create intimate conversation with your influencers around your products and build customer loyalty. Even more, with Messages, Pinterest becomes a great collaboration tool for your marketing team.
Some brands may want to use the Pinterest Messages feature for their Customer Support, in which case you might want to enable the setting on Pinterest to receive email notifications on new messages. Especially if you use automation tools for your Pinterest marketing, and you log in infrequently into Pinterest, you might not know that new messages has been left for you.
Here are some ideas to use Pinterest Messages:
– As a collaborative tool for your team: they will not have to leave the platform and use another tool to communicate and work together on projects.
– Planning trips with friends or co-workers: Pinterest is already used as a planning tool for many types of events, planning a trip and actually discuss with friends and/or co-workers is a great idea.
– Share boards: you can share your special boards (new products, demos, special deals, discounts and so on) to your loyal customers.
– Connecting with fans: think about the potential of having intimate conversations with your true fans!
– Running contests: this can boost your traffic and grow your audience.
– Product demos: help your fans understand your products with inspiring one-on-one conversations.
– Customer Service Issues: your customers can give you their feedback and you can help them with their issues right there on Pinterest.
This feature is even more powerful than Facebook Messages or Twitter Direct Message, and we expect to see higher engagement rates that will not slow down any time soon. If your business is not already on Pinterest, we recommend you to find out what you're missing! At Mass Planner we even have automation tools for Pinterest, to schedule your marketing campaigns to free up your time and let you focus on better strategies to attract more customers and grow your business. If you automate your Pinterest activity with Mass Planner, don't forget to enable email notification for your messages so that you don't miss your customers' feedback or questions.
Let us know your thoughts about Pinterest Messages in the comments! What other ideas for using this feature in your marketing campaigns did you find?


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To add more products to your cart you must first abandon your PayPal Express Checkout. You will be able to commence a new PayPal Express Checkout and re-verify when you are ready. Would you like to Abandon & Add to Cart (and abandon PayPal Express Checkout) or Checkout?
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Brothers Drinks Co. Limited was started in 1992 by four Showering brothers, whose parents enjoyed great success with Babycham from the 1950s. It is based in Shepton Mallet, Somerset and employs 85 people. Brothers' Cider is fermented and bottled on the former site of the Anglo-Bavarian Brewery, which was also the first place in the UK to brew lager-style beer.
In 1995, Michael Eavis offered the Brothers space for a bar at the Glastonbury Festival, near the Jazz World Stage, but with sales restricted to Perry-based drinks. For the next ten years the Brothers' Bar became increasingly popular so that in 2005, due to the level of requests for the product from festival goers, Brothers was packaged and launched into pubs and the retail trade.
In 2009, Brothers Cider won a Cool Brand award at The Drum Marketing Awards
In 2013 a new range of premium packaging was launched,for the company with a turnover of £46 million per annum.
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Liquor licence LIQP770010049
It is against the law to sell or supply alcohol to, or to obtain alcohol on behalf of, a person under the age of 18 years.
© Copyright 2015 - 2017 GraysWine. All rights reserved.
Liquor licence LIQP770010049
It is against the law to sell or supply alcohol to, or to obtain alcohol on behalf of, a person under the age of 18 years.
© 2015 to 2017 GraysWine - All rights reserved.


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At SCAN COIN we know that all human activities affect our environment, including our own. SCAN COIN burdens the environment by e.g discharge to air, water and land through transports, waste products and consumption of energy. As we are aware of this, our aim is to reduce our company's environmental influence. To turn this mission into action we have implemented methods of work that will give a sustainable environmental development of our organisation.
The following actions are taken:
We consider environmental aspects in all parts of SCAN COIN's activities. We develop and deliver our products and services so that no unnecessary environmental influence occurs.
We see the environmental work within SCAN COIN as a means of competition that benefits our company, our market, our products, staff and society.


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Low-income housing tax credit (LIHTC) prices continued to inch up in the first half of 2011, leading to a dramatic turn in the market.
"It's 180 degrees from where we were a year ago," says Leila J. Ahmadifar, director of LIHTC investments at Citi Community Capital. "It's a seller's market again. There's a lot more demand than supply. As a result, pricing on tax credits has increased in most markets."
Indeed. Some recent deals in California have attracted bids of $1 or more per dollar of tax credit. Two years ago, the same Golden State deals may have fetched around $0.87 if they were lucky. Other regions of the country also report an increase.
"To say the market is robust would be an understatement," says Beth Stohr, president and LIHTC director of U.S. Bank Community Development Corp. "There is not a deal that we've seen that doesn't have multiple investors interested in it."
It is very hard to get your footing in the marketplace due to the rapid changes in pricing and yields. It is very difficult to know where to price, says Stohr.
While an increase in prices is good for developers, it means lower yields for investors. This raises concern that buyers, who were enticed by the doubledigit returns of a year ago, will cut back their activities.
A big question is at what level do economic investors pull back. "That's the $3 billion question at this point," Stohr says.
Although several investors report that yield-driven buyers have remained in the market so far, others worry that the situation could soon change.
"I'm concerned with how fragile the market may currently be," says Christoph Gabler, senior vice president at AEGON USA Realty Advisors, LLC. "Economic investors are voicing concerns about the low level of yields, and yields continue to drop. There is a breaking point, and all it may take is one investor to be the straw that breaks the camel's back. It could very well be that another correction is around the corner."
John Faulkner sees what different investors are doing as managing director of Carreden Group, Inc., an investment bank firm specializing in advising guarantors in the tax credit market.
"Of the $1.3 billion in guaranteed equity we've raised the past 17 months, the dominant trend we've observed is the significant level of demand from non-bank financials, insurance companies, and corporates," he says. "Motivations vary from investor to investor, but risk mitigation, profit and loss impact, and resource allocation considerations are all factors."
In addition to worrying about market volatility, investors continue to keep a close watch on deal terms.
"My biggest concern is deals with aggressive terms that could undermine the integrity of the credit underwriting," says Citi's Ahmadifar. "There's been recent stress on LIHTC portfolios on deals that closed between 2004 and 2007. I'm concerned that we are going back there."
Ahmadifar is president of the Affordable Housing Investors Council (AHIC), which recently updated its acquisitions and underwriting guidelines. AHIC coordinated with the National Council of State Housing Agencies (NCSHA) when both groups were revising their best practice guidelines. As a result, AHIC's latest guidelines are pretty much in sync with NCSHA's recommendations.
Among its guidelines, AHIC recommends that operating reserves should be equal to at least six months of total operating expenses, replacement reserves, and mustpay debt service.
"For the most part, I'm still seeing deals that are soundly underwritten, and the risks properly mitigated," Ahmadifar says. Citi invested just north of $600 million in LIHTCs last year and hopes to increase that amount slightly in 2011.
Good underwriting is also on the mind of William Pelletier, managing director, housing investments, at JPMorgan Capital Corp.
"Too much capital chasing a finite number of deals has been a recipe for disaster in the past," he says. "We hope good underwriting standards and discipline will remain." Pelletier says strong sponsorship continues to be a critical characteristic in the deals his team pursues.
"In a very competitive market, we have partnered with many developers who still seek and value a relationship," he says.
JPMorgan Capital, which invested more than $700 million in direct, single- investor, and multi-investor funds last year, has taken part in a number of large LIHTC developments over the years and continues to see some bigger deals out there.
Deals in the market
Bank of America has been one of the largest and most consistent LIHTC investors in the market.
"We like how our existing portfolio has performed," says Brian Tracey, community development and investment executive. "It has held up very well during the economic downturn. The best test is not only in the new deals we're seeing but also what we're seeing on the books. That's doing well."
When it comes to overall market concerns, he also cites long-term stability.
His worry is driven by several factors, including potential legislative changes or tax reform efforts that could involve the program.
There also is growing pressure on state and local budgets. This is important because tax credit equity is often just one of several funding sources involved in fi- nancing affordable housing, says Tracey.
This year, the Bank of America team has been seeing and pursuing more reverse condo conversions, where marketrate condominiums are being turned into affordable housing.
These deals often involve an experienced development team and are in strong locations, says Tracey.
The bank is also taking a look at more supportive-housing developments. "We find these deals compelling," says Tracey. One reason is they often receive strong support from their communities. Despite the threat of budget cuts, local jurisdictions are seeing the benefits of these developments and are continuing to finance and provide services to supportive housing.
Bank of America closed $600 million in investments in 2010 and hopes to increase that amount this year.
At U.S. Bank, Stohr says she's pleased to see developers and housing finance agencies not compromising on quality construction. "They still embrace a long-term view that promotes sustainability," she says.
As a result, she is seeing projects being built with durable construction materials and with healthy replacement reserves in their budgets.
Stohr says she is also seeing projects in strong locations, which might be the result of more land becoming available and at better prices.
All the investors will be sharpening their pencils for the second half of the year. "I think it's going to be very competitive," Stohr says.


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Introduction to the Six Dimensions of Reading Scientific Research-Based Reading Modules Delaware Reading Cadre 2001
Developed by Members of the Delaware Reading Cadre Kathy Casey Jo Miller King Sara McCraw Lorei Meanor Pamela Oliver Cathy Petitgout Deborah Stark 6 Dimensions of Reading Modules Delaware Reading Cadre, 2001
Well be looking at reading instruction through the lens of the latest research. Suggesting subtle changes in teaching practices so all students can become independent readers. 6 Dimensions of Reading Delaware Reading Cadre 2001
6 Dimensions of Reading Reading is a complex system for deriving meaning from print that requires the following: Delaware Reading Cadre 2001
Research identifies six specific dimensions of reading (National Research Council, National Reading Panel, 2000). 6 Dimensions of Reading Phonological Awareness Alphabetic Knowledge Fluency Vocabulary Instruction Comprehension Motivation Delaware Reading Cadre 2001
1.Phonological Skills: Skills and knowledge to understand how phonemes, or speech sounds, are connected to print. Alphabetic Knowledge: The ability to decode unfamiliar words. 6 Dimensions of Reading Delaware Reading Cadre 2001
3.Fluency: The ability to read fluently. Vocabulary: Sufficient background information and vocabulary to foster reading comprehension. 6 Dimensions of Reading Delaware Reading Cadre 2001
5.Comprehension: The development of appropriate active strategies to construct meaning from print. 6. Motivation: The development and maintenance of a motivation to read. 6 Dimensions of Reading Delaware Reading Cadre 2001
A person who is not at least a modestly skilled reader by the end of third grade is quite unlikely to graduate from high school. Preventing Reading Difficulties Snow, 1998 Focus on K - 3
Nationally 5% of children learn to read effortlessly on their own. 20-30% learn to read easily when exposed to formal instruction, regardless of instructional emphases. 44% 3 rd graders lack basic reading skills (Snow, 1998). Delaware Reading Cadre, 2001
In Delaware: 2001 DSTP Results
Emphasizes early intervention for the prevention of reading difficulties, (Snow et al., 1998). Marie Clays work popularized the notion of accelerating reading development in young children in order to prevent failure. Children learn to read through engagement in a variety of age-appropriate and developmentally appropriate print-related activities Research Delaware Reading Cadre 2001
Introduction, Instruction and Mastery Continuum (National Reading Panel, 2000) Delaware Reading Cadre 2001 Reading Dimension K12345 Phonemic Awareness Systematic Phonetic Instruction Fluency Background Information & Vocabulary Comprehension Motivation to Read
Elementary teachers are being held to greater accountability for the results of reading instruction provided within general classrooms. Consequently Delaware Reading Cadre 2001
Module One: Phonological Awareness Module Two: Alphabetic Knowledge Module Three: Vocabulary Development Module Four: Comprehension Strategies Module Five: Motivation and Fluency 6 Dimensions of Reading Delaware Reading Cadre 2001
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EVENTS Golf Tournament $135 per person - Must register in advance Monday, September 18, 2017 Shotgun start at 8:30 a.m. Meet in Hotel lobby at 7:45 for transportation to golf course.Bring your competitive edge to Waikoloa Kings' Course, for a golf tournament with your colleagues Designed by former British Open Champions Tom Weikopf and Jay Morrish, the Kings' Course offers golfers the best of two worlds; golf in an island paradise, on a course that more closely resembles a layout along the coast of Scotland. With stunning views of the towering volcanoes of the Big Island framed by palm trees and vibrant flowers, you'll have no trouble remembering that you are golfing in paradise. The 7,000-plus yard links-style course snakes over and around an ancient lava flow and is best known for its wide undulating fairway, multiple tee placements and challenging pot bunkers. Waikoloa Golf has Nike Covert and Nike Vapor Fly woods and irons available for rent. Rental fee: $45. Please make your own rental arrangement by contacting Becky Ryan at the Waikoloa Beach & Kings' Course at 808-886-5172 or firstname.lastname@example.com. Legends of Hawaii Luau - Closing Dinner & Show $110 per person – Must register in advance Friday, September 22, 2017 Starts at 5:30 pm in Kamehameha Court Experience the most popular Luau on Hawaii Island - Legends of Hawaii, which brings to life the ancestral song (mele) and dance (hula) that retell the epic stories of Hawaii and her remarkable people. Under a magical Hawaiian night-sky and swaying palms, the Big Island Luau features exotic dance, music and entertainment for the whole family with hula & fire dancers and a lavish Hawaiian buffet. 5K Fun Run/Walk $25 per person – Must register in advance Tuesday, September 19, 2017 - Must register in advance Administrative Working Group Breakfast $40 per person – Must register in advance Wednesday, September 20, 2017, 8 - 10 a.m. This is a venue for department heads, department chairs, and anyone else involved in horticulture administration in the public sector to join together and discuss current issues. We will discuss topics relevant for academic horticulture programs in the U.S. and share information about best practices from our institutions. Featured Speaker Luncheon: Dr. John Purcell Sponsored by the Industry Division $40 per person – Must register in advance Wednesday, September 20, 2017, 12 - 2 p.m. Speaker: Dr. John Purcell Global Vegetables R&D Lead, Hawaii Business Lead, Vice President and Distinguished Science Fellow at Monsanto Click here to learn more about Dr. John Purcell. Student Activity: Snorkeling $25 per person – Must register in advance Wednesday, September 20, 2017, 2:30 - 4:30
A Paradise Within a Paradise: situated on a rugged stretch of Big Island lava coastline, Hilton Waikoloa Village features a unique, ocean-fed lagoon with its own white sand beach. Come and hang out with other students. Explore an undercover world while snorkeling, and see colorful reef fish and green sea turtles (or honu in Hawaiian). Snorkeling gear provided. Featured Speaker Luncheon: Dr. Stephen Weller Trials, Tribulations and Lessons Learned Over 30 Years of International Horticulture Research Sponsored by the International Division $40 per person – Must register in advance Thursday, September 21, 2017, 12 - 2 p.m. Speaker: Dr. Stephen Weller Professor in the Horticulture and Landscape Architecture Department, Purdue University Click here to learn more about Dr. Stephen Weller. Pi Alpha Xi Luncheon $40 per person – Must register in advance Thursday, September 21, 2017, 12 - 2 p.m. Featured Speakers Luncheon: Dr. Kelvin Sewake & Mr. Eric Tanouye Sponsored by the Extension Division $40 per person – Must register in advance Friday, September 22, 2017, 12 - 2 p.m. Speakers: Dr. Kelvin Sewake Interim Associate Dean & Associate Director for Cooperative Extension Service, University of Hawaii at Manoa, College of Tropical Agriculture and Human Resources - and - Mr. Eric Tanouye Greenpoint Nurseries, Inc. PROFESSIONAL TOURS (Please keep checking this page for latest updates. More tours will be added shortly) Nurseries and Gardens Of the Big Island Sunday, September 17, 2017 $149 per person – advance registration is required Limited to 20 people Does not include lunch This tour will visit two nurseries and one botanical garden. One nursery specializes in bamboo production and according to owners have learned by doing. Self-described as low-tech, Quindembo Bamboo promises to give a glimpse into simply growing beautiful and divserse bamboo, Hawaiian style. Hawaiian Sunshine Nursery has a diverse array of products including Anthurium, bromeliads, foliage plants, flowering plants, vines, Plumeria, food and medicinal plants, and Hawaiian natives. Additionally, we will visit the Hawaii Tropical Botanical Garden, which has a plant database including 1,762 unique accessions, with 488 Genera from 94 families. The garden is a member of APGA. For more information click here. Experience Tropical Fruits and Propagation Practices on the Big Island of Hawaii Monday, September 18, 2017 - Sold out. Email email@example.com to put your name on a waiting list in case of cancellation $155 per person – advance registration is required Limited to 20 people only Includes lunch This tour will allow you to taste and get familiar with tropical fruits and experience propagation practices on the big island of Hawaii. Highlights of this tour include the National Clonal Germplasm Repository with approximately 1,000 accessions of tropical fruits, nuts, beverages, and ornamentals, the Waiakea Research Station with an arboretum of tropical fruits, and the Wailea Agricultural Groups, the largest fresh Hawaiian Heart of Palm grower in America. For more information, click here. The Hawaii Tropical Botanical Garden Monday, September 18, 2017 $99 per person – advance registration is required Limited to 20 people The Hawaii Tropical Botanical Garden is a museum of living plants that attracts photographers, gardeners, botanists, scientists, and nature lovers from around the world. The Garden's collection of tropical plants is international in scope. Over 2,000 species, representing more than 125 families and 750 genera, are found in this one-of-a-kind garden. The 40-acre valley is a natural greenhouse, protected from buffeting tradewinds and blessed with fertile volcanic soil. Throughout this garden valley, nature trails meander through a true tropical rainforest, crossing bubbling streams, passing several beautiful waterfalls and the exciting ocean vistas along the rugged Pacific coast. For more information click here. Behind the Scenes at Hilton Waikoloa Village Tuesday, September 19, 2017 $10 per person – advance registration is required Limited to 30 people This tour will be conducted completely on site at the Hilton Waikoloa Village. The tour will include insights of the horticultural operations of the resort. Some focal points will include the 2 award-winning golf courses, beachfront landscaping, and discussion of the flora/fauna/guest interaction at Waikoloa Village. For more information click here. Essence of Tropical Horticulture: Hawai'ian Niche Crop Wednesday, September 20, 2017 Limited to 20 people $210 per person – advance registration is required Includes lunch. Does not include dinner. From the remarkable tropical pitcher plants proudly showing magnificent traps and orchids with vibrant and gorgeous flowers, the Island of Hawai'i is any horticulturist's paradise. But Hawai'i has more to offer than breathtaking exotic ornamentals. Be charmed by the serene and tranquil surroundings of tea and kava plantings, while learning about Hawai'ian indigenous medicines. Enjoy a bowl of kava with local people then grab dinner at Uncles Awa Bar and Farmers Market. For more information click here. Gardens of the Big Island Thursday, September 21, 2017 $159 per person – advance registration is required Limited to 20 people Spend a day sampling Hawaii's plants and gardens! We'll start with coffee, of course! Beginning at Greenwell Farms, we'll learn of the "farm to cup" process while sampling some of their Kona. After a brief rest at the black sand beach, we'll experience a behind-the-scenes orchid production tour. We'll have time to do a little plant shopping before we leave Akutsuka Orchids, headed to the beautiful Queen Lili`uokalani Garden in Hilo. At this park, we'll enjoy fishponds and rock gardens. Our last stop will be at the 'Imiloa Native Hawaiian Garden to catch a glimpse of Hawaii's native ecosystem. Hope you'll join us! Garden tour price includes transportation, lunch, and admission fees. For more information, click here. Discovering the Jewels of the Crown: Small Specialty Crops Farm Tour Friday, September 22, 2017 $ 189 per person – advance registration is required Limited to 20 people As the sugarcane industry continues its transition into Hawaii's history, exciting and unusual specialty crops have been growing to fill the void left in the state's rich agricultural heritage. Hawaii's diverse climate continues to attract new generations of farmers and philosophies that are producing artisanal crops such as the Ali'i mushroom (Pleurotus eryngii), tea (Camellia sinensis) and vanilla (V. planifolia). By the end of the day, participants will become familiar with both environmental and economic challenges faced by small specialty crop farms on the Big Island and be able to bring home some uniquely grown and processed gourmet produce as souvenirs. For more information, click here. SIGHTSEEING TOURS Full Day Volcano Tour $88 per person - Must register in advance Sunday, September 17, 2017 Just as it was for Mark Twain, over a century ago, this is truly the experience of a lifetime! Spend the day at Volcanoes National Park. This adventure tour will allow you to hike the Iliahi or Devastation Trails, and experience the Jagger Museum, Thurston Lava Tube, and Halemaumau Crater! The scenic drive from the hotel will make stops at the Nani Mau Gardens, Mauna Loa Macadamia Nut Factory and the Akatsuka Orchid Gardens. For more information, click here. Kona Historical Tour $45 per person - Must register in advance Tuesday, September 19, 2017 Make a trip back in time to Puuhonua O Honaunau National Historical Park – an ancient Hawaiian village of refuge for kapu (law) breakers. Tour highlights include stops at the Painted Church, Kailua and the Royal Kona coffee factory. For more information, click here. Hamakua Valleys & Waterfalls Tour $57 per person - Must register in advance Wednesday, September 20, 2017 This tour showcases the amazing Hamakua Heritage Coastal region with its diverse scenery; from 400ft waterfalls to bridges crossing deep cleft valleys, each with entirely different vegetation patterns in wild variety. Highlights of this tour include the Akaka Falls and Waipio Valley Lookout. For more information, click here. Kona Joe's Coffee & Vanilla Farm Tour $105 per person - Must register in advance Limited to 24 people Thursday, September 21, 2017 Joe Alban is your average Joe. He traveled to Hawaii, fell in love with his wife, met a wild dolphin, and planted a coffee garden. Now he makes the richest, most progressive Kona Coffee on the islands. Visit the world's trellised coffee plantation and learn the legendary story of how Joe became Kona Joe. Then travel to Hawaiian Vanilla Farm for a tour and a vanilla-infused lunch at the first and only commercial vanilla operation in the US. For more information, click here. |
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February 18, 2014 at 4:18 pm #225534
Hi Kriesi,
I would like to remove the woocommerce product sorting only on shop pages, where product categories are displayed.
I added the following css to the theme quick css:
div .product-sorting {display: none;}
but it removed the product sorting from all the shop pages. I want the product sorting would be visible on shop pages, where products are diplayed. Is it possible?I tried to put this:
remove_action( 'woocommerce_before_shop_loop', 'woocommerce_catalog_ordering', 30 );in enfold child theme functions.php, but nothing happened.
February 18, 2014 at 8:28 pm #225713Hi McGawain!
Try adding the following CSS to your Quick CSS (located under the Styling Tab in the theme options) or the custom.css file in the css folder of your theme files:
#top.archive .product-sorting { display: none; }
DevinFebruary 18, 2014 at 10:24 pm #225781Hi Devin,
it removes the product sorting on all pages.
Regards: McGawain
February 18, 2014 at 11:30 pm #225811Hey!
Please try adding following code to Quick CSS
.woocommerce .product-sorting { display: none; }
Best regards,
YigitFebruary 18, 2014 at 11:40 pm #225816My mistake, it should be:
#top.tax-product_cat .product-sorting {display:none;}
February 19, 2014 at 11:08 am #226102Hi Devin,
it still removes the product sorting on all pages.
Regards: McGawain
February 20, 2014 at 2:16 pm #226752Hey!
Can you post the link to your page where you would like to display product sorting? I did not understand where you would like to remove
"I would like to remove the woocommerce product sorting only on shop pages"
" I want the product sorting would be visible on shop pages"Cheers!
YigitFebruary 23, 2014 at 2:04 pm #228120Hey!
the problem is: on the Woocommerce /Settings/ Products page, I can determine:
1. the SHOP page to show wether categories, or to show products.
2. a CATEGORY page to show wether subcategories, or to show products.I would like to remove the woocommerce product sorting on pages, that display categories. (It can be the shop page or a category page also) For example my shop page is: http://www.pytheasbooks.com/facsimile-books-shop/
I want the product sorting would be visible on pages, that display products (It could be the shop page also, when I choose the setting in woocommerce, to show products) : http://www.pytheasbooks.com/product-category/new/
So, I would like to show/not show woocommerce product sorting depending Woocommerce /Settings/ Products options.
I hope I was clear, thanks
Agnes (McGawain)
February 23, 2014 at 4:44 pm #228131Hey!
I'm still not clear on what you are looking to have done. The css above hides the sorting on woocommerce pages that present themselves as category archives but does *not* hide it on the general shop page.
From your examples the facsimilie-books-shop shows the sorting but the product-category/new does not.
Ultimately if you need a custom solution you would need to hire a freelance developer as this is already outside what we cover through support. Hiding the sorting options through css is doable and simple as long as the page has selectors we can grab on to. But within WooCommerce or the theme there isn't an option to show/hide them on specific pages at will.
DevinFebruary 23, 2014 at 5:53 pm #228148Hi,
"The css above hides the sorting on woocommerce pages that present themselves as category archives but does *not* hide it on the general shop page."
Yes, this is not a solution for my problem. It looks like, this problem can not be solved with css.Regards,
February 24, 2014 at 2:16 am #228284Hey!
Please contact woocommerce support or hire a freelance developer to fix it for you. For further customization, please visit Werkpress.
Best regards,
Ismael -
You must be logged in to reply to this topic.


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pho·to·dy·nam·ics- the activating effect of light on living organisms, as in causing phototropism in plants
- the science dealing with this
Origin of photodynamics
photo- + dynamicsphotodynamics
(used with a sing. verb)- The science that deals with the effects of light on molecules, especially the activating effects of light on molecules that are inserted into the body to treat disease.
- The behavior of a substance or chemical when exposed to light.


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The Old Hall Earthenware Company, Ltd, Old Hall Pottery, Hanley, Staffordshire, England was in existence from 1861 - 1886.
This colorful red transferware soup plate in the Excelsior pattern features a lovely aesthetic design by Christopher Dresser. In the center are cartouches of a sailing ship, woodland landscape and geometric designs. The wide flared rim has an overall puzzle-like pattern. The soup plate measures 9 3/4" across and has no cracks, chips or repairs. The English Registry mark indicates a date of January 1, 1880, as well as the stamped mark "Old Hall - England - E' Ware Co" and "Excelsior". Great design and color.
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