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Vegan-friendly deli, organic produce, food allergy options, vegan baked goods including cupcakes, cakes, squares and muffins.
8 Reviews
First Review by CharYvy
love this option - Edit
Raw snacks, organic produce, natural health and body (across the street). I love this place. Everyone is cool and kind. Hope they stop offering plastic bags at check out soon;-)
Everything You Need - Edit
The prices are pretty reasonable for most things. The customer service is atrocious. I have lived in the area for 15 years and have shopped here consistently despite the way they treat clients here. The cashiers are often too busy talking to address or serve you. The floor staff is pretty helpful. Much better service at the Wellness Shop.
Pros: organic food, local produce, reasonable prices
Cons: hit or miss staff, some rude staff, insect pests in veggies sometimes
Contributions +13
ugh. - Edit
I was wondering why I do this to myself, when there are other health food stores in town? All just as good. And all of them have a much better atmosphere.
Why do I continue to give the Bank Street Herb & Spice my money, when I could take it elsewhere? Why indeed? I think I'm done making that mistake.
How can I describe the vibe in the store?
It's like walking into some way-too-hip night club, the one that everyone is trying to get into, but you're just not cool enough to get on the guest list.
Except it's not some cool night club. It's a grocery store. Hey, snooty young white privileged hipsters, you work in a grocery store.
The staff seem to be there for the purpose of looking cool, feeling hip and beautiful, socializing with each other, and occasionally doing you the favor of processing your purchase at the cash.
When they're not avoiding eye contact, they're looking down their nose at you. Maybe it's a class thing, and they simply know no other way of being. Maybe they can't help it.
I felt like I was inconveniencing them by bringing up my money to the cash, to pay for the few items I had picked out.
As I sat at the little table outside, eating my delicious snack, I felt gross. It was like the worst aspects of junior high. Excerpt the people working there are not 13 years old anymore.
I guess I'll continue to visit their wellness shop, that is unless I find another place that sells Earthpaste. Then it's sayonara, suckaz. Or maybe I'll simply order the stuff online. It will be a little more trouble, but I won't feel like I need a shower after.
For whatever it's worth, I've been vegetarian for about 17 years, and have shopped at most of the health foods stores in the city, if not every single one. I LOVE health food stores. The Bank Street Herb & Spice is unique for it's make-your-skin-crawl customer service.
Guys and gals, you're not doing me a favor by allowing me to shop at your store. And, believe it or not, you're not nearly as fabulous and glamorous as you seem to think you are.
I looked up some reviews of the store online, and I can see that my experience isn't an anomaly.
"Not the friendliest of places," wrote one reviewer. You can say that again, Christine. Jeff wrote: "Great grocery store, but customer service is definitely lacking."
I'll take my leave now, and let the Herb & Spice cashiers get back to performing for the documentary (or music video!), which they seem to think some invisible cameraman is making about their lives.
Pros: Earthpaste
Cons: cashiers' excessive self-centeredness, icy/narcissistic and unwelcoming vibe, snobbery dressed in earth tones
Pretty nice store - Edit
We stayed in the heart of downtown so this place couldn't be more convenient. We came primarily to get some organic fruit for breakfast and got what we wanted. They were quite well-stocked and had a bit of everything that you would expect from a health food store. I just wished there were better to-go meal options.
Pros: location
Love The Herb - Edit
I wouldn't be able to survive without the herb! My favourite place in Ottawa.
Pros: Awesome Staff, Bulk Stuff, Student Discount
The Herb - Edit
Used to be good when owned by David, then awful when owned by Susan, now Great when owned by Jacques. The staff is educated, helpful and funky. The choice of goods excellent for the size of the store. They will take special orders. The bulk food area has been gussied us with clear dispensing bins. There are gloves for serving yourself. The place is clean for the amount of traffic. The deli area is great for a quick fix, and the soups are fresh daily! The bakery has great choices. The cosmetics, fresh fruits & veggies, freezer, dairy case, bulk, juices & drinks, teas and condiments, gluten free, healthy junk food, raw, etc is all good.
Pros: Great location, good staff, clean
Cons: long check out line
Good vegan baked goods - Edit
We tried some Auntie Loo's stuff (spice cake, butterscotch banana bread, earl grey cupcake, and a non-Auntie Loo peanut butter chocolate rice krispie treat. We didn't buy anything else, but we perused the store, and it looked like there were a lot of interesting products, good vegan options, typical pricing, and a pretty big selection overall. If I lived nearby, I'm sure I'd shop there frequently.
I don't know what I'd do without it... - Edit
It's great. It has vegan foods, organic foods, whatever.
There is always something to get from the Herb and Spice- I love the treats they always have (like vegan cakes or cookies).
If you've never been here, go check it out!
Pros: variety, healthy, lots of treats
Cons: a lot of non-vegetarian stuff
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MY STORY 2010 TO 2011Written by Captain Mary on Sunday, March 11, 2012
What happened this year? I lost a bunch of friends, getting older means you will meet your maker. Children have been born, the cycle continues. I had another damn birthday, they keep coming like it or not. Leaving the country doesn't seem to work anymore. I always thought if I left the country on my birthday that it didn't count, I left the country for years, I remained 29 for so long that if someone asked my real age, I had to figure it out on my fingers. I do know how old I am now, in years that is.
I got myself in a financial mess and finally disbursed my debt. The stress with lawyers and courts was almost too much to bear, but it is over, more or less. So, I guess that this year was my new start. Work was pretty steady, which is always good, considering the economic mess the country is in. I am still earning poverty level income, but it works for me. I have almost everything I could ever want. I don't know how much longer I can continue working though, I still have problems with my knees. Living a hard life on the body takes its toll in my now middle age. Stopped feeling sorry for myself and picked myself up. Finally got a doctor to look at my knees and he simply told me that people who compete just have a different brain and they wear out their bodies without thinking about what could happen in your golden years.
Four of my family members trained and worked together to achieve their Black Belt ranks in Taekwondo. My daughter, my son, and my two oldest grandsons, what a great achievement. I am so proud, I am glad to say that I was the one who started all this in 2006. This year I began training again, after more than 2 years away from my beloved school, but then I got so busy with work I couldn't make the classes, short lived exercise program.
I went on a fun family trip down the Peace River. Which is always fun, the kids are bigger now and they really enjoy the camping and playing on the water. I hope we continue making this trip. We have gone many times and the river always has something new to see, hear and explore.
I was able to take a trip to Europe, seven countries in seventeen days. Berlin-Germany, Copenhagen-Denmark, Dublin-Ireland, Paris-France, Milan & Venice-Italy, Athens-Greece, Prague-Czech Republic. So many stories to tell: Taking almost 900 pictures, really tell the story, only I can't remember what they were, that is probably another reason I saved all the maps. My mind isn't as sharp as it was, or maybe I just don't care as much to remember the things that don't really matter.
I find myself so in love with my family, maybe I just get to spend more time thinking about them. I have always made an effort to be part of their lives. I joined a Social Club to spend more time meeting people and spending more time with my sister. I wish still that the rest of my family was closer, so I could see them more often, but when we do see each other, it is joyous. I have found myself looking at everything in a positive note, even if it seems bleak. With each day I find another wonderful person and share a smile.
I tried dating and it ended disastrous, I don't know why they turn into stalkers in such a short time. One of my dates took me forever to tell that I don't want to see him anymore. I finally wrote a note and told him to read it over and over again until he got it! I don't know if I could really love someone as a partner again, how many chances does a person really get. I have loved so many times and as I look back, the best one was the last one, he was the one who really loved me for me. I don't understand why men want to control your every move, instead of moving along a path of enjoyment and understanding. They are attracted to the person they initially meet and move forward to change it, I just don't get it. I am unmovable! Maybe next year someone special will come into my life that can appreciate the person I am, or not. I am fine the way I am, I don't regret my life in anyway.
The holidays came and went, they were different last year, maybe I didn't celebrate them the usual way. Thanksgiving is always my favorite and last year was proof positive of why. The whole family together talking and laughing together as if we had never had miles between us. This year will be different and I can't wait, Monica has decided to host this year, we will have a grand time. Christmas was never a holiday that moved me. I did enjoy watching the grand kids open their gifts, but the message of Christmas is long been lost in my family. We don't gather together, we have no meal together, all I see is months of advertisements and commercials, the holiday has been tainted. The only way to enjoy it now is to see the faces of my grandchildren, which is always the highlight of my days.
I didn't make any resolutions, but I do plan on enjoying each day as if it is the most important day of my life. I am focused on finding out what makes life so special for me and how to enjoy the people that pass through my world. Looking forward to another year, which passes so quickly, perhaps getting a glimpse of more adventure and love.

subset: commoncrawl


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About Me
Ashley Genovese
Life is beautiful whether you're soaking in sunshine or caught in a thunderstorm. I take the beauty of life for granted too often. I have a supportive husband who I don't want to live life without, a beautiful son who is always reminding me of the simple things that really matter, and an independent daughter who is teaching me to throw schedules out the window and live in the moment. My day is made when free samples fill my mailbox. I love discovering a new product and sharing it with others. I hope you will enjoy reading my posts and will share your stories with me as well.
Friday, March 18, 2011
Chocolate Eclair Dessert
1 comment:
Yes, it is SUPER easy to make and delicious! The last church function I took it to there were no leftovers in my dish! =)ReplyDelete
I have used a container of chocolate fudge frosting as well for the topping (since I can usually get them cheaper). Just stick the frosting into the microwave for a few seconds and pour it over the graham crackers. It also tastes great with the cheesecake flavored pudding!
Your killing me with a bunch of my favorite sweet recipes! No Bake Cookies a few days ago now the Chocolate Eclair.......


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Chancel Repair Liability will, like all other Overriding Interests, lose its overriding status as of the 13 October 2013.
Where a Property is registered, it is possible to protect a right to demand payment for chancel repairs by entering a notice against the title of the Property. The Chancel Repair Liability will continue to bind the Property owner until the land is subsequently transferred to a third party, even after the 13 October 2013, and even if a notice has not been entered on to the Property Register. Therefore the purchase of any Property following the 13 October 2013, where the Property Register does not have a notice of Chancel Repair Liability, will take the Property free of any such liability.
If the Property is unregistered, Chancel Repair Liability can be protected by a caution against first registration. As with registered Property, the Chancel Repair Liability will remain, so long as the Property is not transferred to a third party. It is possible to note the Chancel Repair Liability as part of the application for first registration, but if no such application is made, the Property will be taken free of any Chancel Repair Liability. The Land Registration Rules 2003 imposes a duty to disclose the existence of Chancel Repair Liability when making an application for First Registration and where an application is made to register a disposition, where the applicant has knowledge of the liability.
Previously Property purchasers have been able to obtain Chancel Repair Liability Insurance, where a Chancel Search has revealed potential liability. Following the 13 October 2013, purchases may find it increasingly difficult (and expensive) to obtain Chancel Repair Liability Insurance, where there is notice of Chancel Repair Liability registered against the title of the Property. Likewise Chancel Repair Liability Insurance which is currently in place is likely to be unattainable by the time a notice seeking a contribution to Chancel Repairs has been served.
It may be that Property owners with Potential Chancel repair Liability seek to enter into an agreement directly with the Parochial Church Council to ensure that no formal demand for Chancel Repair Liability is made.
Service area:
Commercial Property
Corporate and Business Services
Debt Recovery
Digital and Creative
Elderly Client Services
Insolvency and Business Recovery
Intellectual Property and Information Technology
Litigation and Dispute Resolution
Private Client
Property Management
Residential Conveyancing
Residential Possessions
Wills Trusts and Probate
There must be something wrong with me. I have found myself at the age of 47 playing proper football again.


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To anyone even in the West who has studied a little of Indian Spirituality, 'Satchitananda' has become probably by now almost as much of a household word as 'Yoga' too has become even before.
'Satchitananda' is a rather central spiritual word indeed: it is quite simply the description of the Eternal Nature of the Divine, the eternal Divine Way of Being so to say, as composed of three aspects indissolubly one:
- SAT is eternal and total Existence or 'Beingness', the eternal TRUTH, the eternal Reality: what is truly real, what truly IS;
- CHIT is that same eternal Reality, but in its aspect of total CONSCIOUSNESS-FORCE;
- ANANDA is still the very same Reality, but as the total BLISS that characterizes its eternal Beingness: its pure Delight of Being.
So, this is what God/the Divine is, in its Supreme, Absolute, Eternal Way of Being:
Wow, would you say, this 'Satchitananda' is simply stupendous!
True, stupendous indeed. Yet it so happens that this is somehow only one side of the Divine Coin…!
For, as stupendous as this Absolute State of Being may be, still it would limit the Divine to experiencing only that Satchitananda Which It Is eternally!…
But the Divine, besides being and remaining eternally Satchitananda, wants also to be able to become, at will, whatever else S/He/It may wish to become at the same time, out of all the numberless eternal other Possibilities of Being potentially contained in that eternal Satchitananda.
And this is where we and everything else come – literally – into play!
We and everything else are those very Potentialities innumerably and eternally present within the One Divine Being.
So, here is what Sri Aurobindo tells us is happening:
- The Delight of Being
- What is God after all ? An eternal child playing an eternal game in an eternal garden.
- The End
- The meeting of man and God must always mean a penetration and entry of the divine into the human and a self-immergence of man in the Divinity.
- But that immergence is not in the nature of an annihilation. Extinction is not the fulfilment of all this search and passion, suffering and rapture. The game would never have been begun if that were to be its ending.
- Delight is the secret. Learn of pure delight and thou shalt learn of God.
- What then was the commencement of the whole matter ? Existence that multiplied itself for sheer delight of being and plunged into numberless trillions of forms so that it might find itself innumerably.
- And what is the middle ? Division that strives towards a multiple unity, ignorance that labours towards a flood of varied light, pain that travails towards the touch of an unimaginable ecstasy. For all these things are dark figures and perverse vibrations.
- And what is the end of the whole matter ? As if honey could taste itself and all its drops together and all its drops could taste each other and each the whole honeycomb as itself, so should the end be with God and the soul of man and the universe.
Isn't this wonderful?…This is the other side of the Divine Coin, the other aspect of Divine Nature, in which the Divine can be and experience as well all the possible other ways of Being that may exist beside that absolute and eternal Satchitananda.
Now we know why we find ourselves here, exploring and experiencing Life on this Plane of Physical Matter, and slowly changing this Life into the Divine Life it can become, and is meant to become, here too. Now we know why we may find ourselves going through yet again another version of the same Adventure later on, on some other Earth, just as we have done it already, like Sri Aurobindo was saying in the text quoted in my previous post, 'a million times before' on yet other earths elsewhere…
And because the eternal Satchitananda deep in each of us is the secret but constant reminder of what we truly are, it is also what must grow again more and more within us right here… In that mantra from Sri Aurobindo that recently (see my older post, https://labofevolution.wordpress.com/2016/03/23/in-the-night-as-in-the-day/) I was so delighted and grateful to find again, this is exactly why the ending says, speaking of the inner feeling of the Divine Reality:
Let is sustain and make grow in me the Truth, the Consciousness and the Bliss, constantly and at all times.
Yes, you have recognized it: here is again Satchitananda, our own Absolute Divine Nature, in the three aspects of It described above: they must grow again to their full power within us to slowly transform us back into our fully conscious Divine Selves, including divine conscious bodies, right here upon this Earth.
The two sides of the eternal Divine Coin, enjoyed consciously together in all our Beings…


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Boise-based U.S. Geothermal said this week it has begun development drilling at the Neal Hot Springs Geothermal Project in eastern Oregon at a 10-square-mile site about 90 miles northwest of Boise. The company hopes the project will produce about 26MW of power once developed. U.S. Geothermal is already selling more than 10MW of geothermal power from its Raft River site near Malta to Idaho Power, and plans to sell a similar amount from Raft River to Eugene Water and Electric Board in Oregon. Raft River is the first commercial-scale geothermal generation project in the Northwest.
At Neal Hot Springs, U.S. Geothermal said the first well is currently drilled to about 300 feet on the way to a total depth of about 2,800 feet. A total of three large-diameter wells are planned in the current project, the company said.
"Further definition of the Neal Hot Springs geothermal resource is a significant part of our company's growth plan," U.S. Geothermal President and CEO Daniel Kunz said in a news release. "These drilling programs are expected to maintain our current project development schedule and help define a geothermal reservoir needed to construct a power plant that will deliver 22 megawatts of electricity." In Idaho, a megawatt is roughly enough power to supply about 700-800 homes or more, depending on the season.
By Ken Miller, Snake River Alliance, (Sun Valley Online) – http://www.sunvalleyonline.com/news/article.asp?ID_Article=7506


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It's tough to avoid being a cynical crank about zombie culture. After mowing down thousands of them with a pea-shooter, bashing their skulls in with a crowbar, and stealing their twinkies, there seems to be no end to the abuse that zombies are willing to take. Like the creatures themselves, zombie culture plods on, refusing to … Continue reading Death Road to Canada Review
Tag: Roguelike
Today's Developer Spotlight is on AwkwardNaut, a 2-person team based out of Belgium, currently working on the space roguelike Far Ago. Thanks for chatting with me, guys! Can you talk for a minute about who you are, and what Far Ago is all about? Thibaud Gayraud: I'm a Unity game developer, and I started AwkwardNaut … Continue reading Developer Spotlight: AwkwardNaut
Grinding is a divisive gameplay element, even in the best of games. Smiting enemy after enemy, hour after hour can grow tiresome after a while, and doesn't lend itself especially well to the iOS platform, where instant satisfaction is the norm. For this reason, I must preface this review by asserting that Siralim 2 by Thylacine … Continue reading Siralim 2 Review


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Acoustic Sundays Summer Sessions - July!
Price : Free Entry / Donations
Date : Sunday 3rd July 2016
Time : 2:30pm until around 7:00pm
Place : The Crypt Cafe, St. Peter's Church, Hackney, London, N1 4DA
Get your festival fix without leaving the borough as Acoustic Sundays brings the sounds of summer to the heart of Hackney all season long!
Our open mic musicians (and hopefully some sunshine) will warm us up from 2pm, before 6 brilliant acts - introduced by comedian and regular Acoustic Sundays MC, James Ross - will play us through until 7.
Expect an Eclectic Line-Up including:
BethanWyn Music - London based singer/songwriter and actress - Classically trained but raised on Vinyls, her love of old school jazz, blues and soul has hugely influenced her style but is given a fresh twist with a rich contemporary sound
Clare Birkett – Singer-songwriter whose influences range from the folk sounds of Bob Dylan and Laura Marling to trip-hop
Joe Garvey – hailing from Kingston, Joe's witty songs are influenced by everything from hip‐hop to folk.
Bal De Bourdon – London-based band performing original arrangements of music from France, the Channel Islands and Cornwall, with a penchant for songs that are rich in melody, drama and stories
Lewis Barfoot – As part of her Summer Sundays 2016 tour, half Irish, half English songbird Lewis will grace us once again with her wonderful voice - deeply ensconced in the roots of folk
As ever, street food sensation, 2 Fingers 'London's original fish finger bad boys' will be on hand with their latest incarnation of The Ultimate Fish Finger Sandwich Experience!
To keep you hydrated – our pop-up bar will be selling local and sensibly priced drinks – with beers from London Fields, along with gin, vodka and variety of soft drinks.
But first, see you on the 3rd July, 2pm at the Crypt!
Artists, June 2016
Janos Music, Lucy Evans, Kat Kenna, Penniless Cove, The King's Parade and Cain & Abel
Acoustic Sundays: Springing into Hackney!
Price : Free entry / donations
Date : Sunday 3rd April 2016
Time : 2:30pm until around 7:00pm
Place : The Crypt Cafe, St. Peter's Church, Hackney, London, N1 4DA
On Sunday 3rd April 2016, Acoustic Sundays will see in the spring with another afternoon of lively and eclectic live music at St. Peter's Crypt Café in Hackney!
Kicking off with an hour of open mic slots before a selection of hand-picked musicians, Acoustic Sundays offer performance opportunities for seasoned as well as new and up and coming musicians from all walks of life.
This month will see both new faces and returning favourites including:
Lewis Barfoot - Returning to Acoustic Sundays following the launch of debut EP 'Catch Me', songbird Lewis Barfoot has her voice deeply ensconced in the foots of folk music.
Days Are Done - a brand new modern Folk/Blues/Americana duo from Kingston-Upon-Thames who recently recorded a debut EP live to a sold out audience.
Nele Needs A Holiday - another familiar face, this London-based Belgian princess sings about the tragedies of daily life.
Kirt Debique - Hailing from the Pacific North West, Founder of Brick Lane Records, and fresh from the release of his debut solo album, singer songwriter Kirt Debique is popping over the pond to share his emotion-led music with Acoustic Sundays.
Jade Bird - a rising star on the London music scene, Jade Bird delivers a fantastic mix of country, pop and folk with a voice that can silence the busiest bar.
Our 'sensibly priced pop-up bar' will be keeping it local and celebrating treasures from the East End including beers from London Fields, gin from Victoria Park, plus vodka and soft drinks from Hackney Downs.
London's original fish finger bad boys 2 Fingers will be offering up "The Ultimate Fish Finger Sandwich Experience" including the delectable 'Po$h', made with sustainably sourced and responsibly caught cod loin steaks with home-made tartar sauce on salt and pepper crusted Bloomer loaf and the ever so moreish 'Sweet Potato Fries' with a light dusting of Spanish sweet smoked pimentón.
We'll be springing into action from 2:30pm - see you at the crypt!
3rd Birthday Bash!
Price : Free entry / donations
Date : Sunday 6th March 2016
Time : 2.00pm until around 7.00pm
Place : The Crypt Cafe, St. Peter's Church, Hackney, London, N1 4DA
Get your party gear ready and your dancing shoes on! We're throwing a party! Acoustic Sundays is celebrating 3 years of monthly live music and the team is inviting everyone in the Hackney community and beyond to join in on the festivities!
From 2pm, Master of Ceremonies James Ross will lead the audience through a memorable afternoon of relaxed festivity and fantastic music from hand-picked, seasoned performers.
Following surprise sets from up-and-coming open mic musicians, we'll see performances by:
Ben Murphie - Americana folk/blues by way of North London. Fingerpicked guitar and banjo melodies hammered out against country harmonies to make a sound rougher than bootleg whiskey and smoother than summer rain
Kawala – "Without doubt one of the most exciting new bands to emerge from London this year" - Mahogany
The Porcupine Dilemma – A fusion of gentle harmonies with politically-charged, melancholic lyrics
Bernard Hoskin - A distinctive and original sound, based upon English songwriting and world music rhythms as well as the more common folk, country and blues styles
London's original fish finger bad boys 2 Fingers will be back in residence providing some much needed sustenance with their delectable fish finger sandwiches to keep those hunger pangs at bay!
Our reasonably priced bar will be fuelling the party atmosphere, selling a variety of wines, locally produced beers, spirits and soft drinks. We'll also be thanking 6 lucky audience members with a special birthday gift! All kind folk donating their spare change to the Acoustic Sunday's cause will be able to enter into a draw to win a selection of beers and soft fizzy drinks – all of which are produced within a few miles of Hackney! Oh, and did we mention there will be cake??
See you at the Crypt Cafe on the 6th March – the party starts at 2pm!


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We have arrived in Sydney, Australia to an aerial tour of The Sydney Opera House, The Harbour Bridge and the stunning picturesque views of the coast, hosted by The Royal Flying Doctors!
The Royal Flying Doctors (RFDS) is an amazing organization that has been doing great things in Australia since 1928.
Founded by Reverend John Flynn, RFDS is one of the largest and most comprehensive aeromedical organizations in the world. It delivers 24-hour Emergency Services to people in the most remote areas of Australia. In addition, it supplies primary health care throughout Australia. With a fleet of 61 aircraft operating from 21 bases across Australia, it provides medical assistance to over 278,000 people a year. Their motto is "No patient is more than two hours away from help!". And that is saying alot, considering Australia is so huge and soooo spread out.
We are working for the South Eastern Section of RFDS. They have welcomed us to their offices here in Sydney, where the boys and I have been volunteering: folding mailings, assembling model airplanes and setting up fundraising efforts. We leave shortly for their main base in Broken Hill, the capital of "The Outback"! We will take the Indian Pacific over-night train, where we will be volunteering as porters to raise money for RFDS. Then off to Broken HIll, where it is apparently quite warm and teeming with kangaroos and snakes… and filled with friendly, local Australians. We will be volunteering in the Visitors Center there and working directly with the doctors, nurses, and emergency staff, documenting their heroic efforts. We have been invited to fly with them to remote areas, where they continue to administer emergency care and also set up various clinics to serve the outback.
Our itinerary includes: working with the staff at the main office, visiting the local university, the Maari Ma (an Aboriginal community health organization) and a tour of Broken Hill. We will visit various remote stations like Langawirra and Tibooburra, and will be introduced to School of The Air. This school was established in 1956 and now caters predominately to the geographically isolated students within a radius of approximately 300km from Broken Hill. In addition, we will see the White Cliffs, visit the White Opal Fields and actually stay at an underground motel.
Sydney is stunning. The kids are feeling at home here, where they speak our language, and the people could not be more friendly. The weather has been mild; a nice break from the heat of Africa. We are going to take in a bit of the city tomorrow and then head off to the Outback! Very exciting.
But the highlight other than meeting the great staff at RFDS in Sydney, was our flight around Sydney with our pilot, Ryan, who is an amazing pilot, teacher (he let me fly part of the time), and great tour guide from the air.
In addition, the boys and I each "had a go" at the flight simulator on the ground in the hangar.
Thanks to all the marketing staff at The Royal Flying Doctors including Jane, Michelle, Jonathan, Nick, Nicole, Danielle, Rachel, Sun, Kate, and Todd. Also Simon, David, and Ryan at Basair Aviation College!
What a great adventure in the Land Down Under. The Lewis boys are a lucky bunch of blokes.
More to follow…


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St.John's (Antigua), Nov 3 (IANS/CMC) Dubai based Taj TV has acquired television broadcast rights for West Indies cricket for a period of seven years from January 2013.
Part of the deal will be providing the television production for free-to-air stations throughout the Caribbean for the benefit of the West Indies cricket fans, reports CMC.
"We are extremely delighted to continue our long standing association with Taj TV Limited (TTL) who has been our media rights partner previously and with whom we have had a solid and mutually beneficial relationship," said President of the West Indies Cricket Board Julian Hunte.
"We are therefore pleased that we have secured this arrangement with this globally reputable company to distribute the media rights to allow fans around the world to see our champion team live and in living colour as they make further strides in world cricket," Hunte added.
The parties have agreed, on account of confidentiality clauses, not to publicly disclose the monetary value of the contract.
Taj TV will be showcasing 253 days of international cricket as part of the new rights deal.
"This deal underscores our commitment to building our cricket business in the subcontinent and globally," said Atul Pande, CEO Ten Sports.
"The recent upsurge in the West Indies team's quality further reinforces our view about our relationship with West Indies cricket going forward."
TTL was established in January 2001 with a portfolio consisting of the Ten Sports, Ten Cricket, Ten Action and Ten Golf.


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This is an updated service – your feedback will help us to improve it further
You must register your premises if you intend to operate a
domestic animal business on it. Businesses requiring this registration include
animal shelters, pounds, pet shops or commercial businesses for the rearing,
training, boarding or breeding of dogs, cats or other common animals. Owners of
domestic animal breeding businesses must register the business and each animal
belonging to the business over three months of age.
This registration is not required by Guide Dogs Victoria,
Vision Australia Seeing Eye Dogs or holders of scientific procedure licences.
A licence defines the need to obtain recognition / certification and registration to undertake a certain business activity.
Please consult Council for details of any specific eligibility requirements for this permit.
You will need to abide by all current state and federal legislation relating to animal welfare and any relevant codes of practice.
Please note that all dogs or cats may need separate annual registration with your local council.
One year, unless otherwise specified on the licence.
9th April each year.
Fees Details for this service in table format.
Fees for 2017-18.
Domestic Animals Act 1994 VIC
General Local Law 2 2013
Colac Otway Shire
Contact Email, Phone and Address Details for this service in simple two column table format, header then data.
Colac Otway Shire


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Thoughts on Adulthood
Homesickness slides down my throat and settles in my stomach, a heavy weight that keeps me rooted to the unfamiliar bed. The sounds of a stranger's breaths waft across the room and fill my ears, too loud in the dark night. I want to leave. I want to go home to my own house and my own bed and my own sister across the room. I don't want to be in this dormitory with the lumpy mattress and the musty smell and the roommate.
My fingers ache from writing, but I don't dare lift my pen from the page. I continue to scrawl my thoughts and musings and words, praying that something decent will come from them.
Fear greets me at the door to the dining hall, smirking at me as I hover uncertainly, clutching a tray lined with food I am too nervous to eat. The camera zooms out and pans across the room full of laughing groups I wish I were a part of. Like a bad teen movie, I cannot figure out where I belong.
My classmates are far more talented than I will ever be, and I can't help but resent them. They create beauty out of thin air in mere minutes, while I struggle to organize my thoughts into sentences.
Exhaustion seeps into my bones and presses on my eyelids, but I do not succumb. I've realized that there are too many stories to tell and games to play and poems to write. I have learned to fight through the fatigue and keep moving. I walk and I laugh and I write and I read and I discuss and I learn and I eat and I sleep and I do it all over again day after day.
My mother calls, and I dash for the stairwell, settling into the quiet place to talk to her. I barely register the concern in her voice, my mind too busy running over tomorrow's schedule to hear about how empty the house feels without me. I'm caught up in my new life away from home, and I no longer miss my family or my bedroom or my hometown.
Hope fills my lungs and explodes out of my body with every breathe I release. I start to believe that I do belong here. I thought I was alone that first night, but when I look at the crowd of laughing people gathered around the table, I realize that I'm surrounded by friends.
I have conquered the laundry room and the dining hall and life with a roommate. These things seemed terrifying and insurmountable to me on that first day, but now they come naturally. In fourteen days, I have embraced freedom, welcomed independence, and even made a few deals with responsibility.
Misery wraps around me, choking me, as my friends drag their suitcases bursting with notebooks and memories down the hall. Soon enough, I'll have to get in a car that will take me eight hours away to the place I have always considered home. I will return to my regularly scheduled life of high school and siblings and childhood, but I will miss my time spent on Kenyon's campus.
My suitcase sits in the middle of my bedroom, and I reluctantly pull the zipper and unload the contents. With each notebook I remove, each crumpled t-shirt I yank out, my freedom and independence slip away a little more. I could tighten my grip and hold them to me with all my strength, but instead I choose to let them go. They put in a lot of time these past two weeks, and they deserve a break. I'll give them some time to relax and recharge, but I know they'll be back soon enough.
This is the essay I submitted to all of the colleges I applied to through the Common Application. The prompt was to describe my transition from childhood to adulthood. I was accepted into nine out of twelve schools, though I'm not sure if it was because of this essay or in spite of it. Either way, I have made my decision and chosen a school with a fantastic Creative Writing program, so I'll be headed off to college in the fall!


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Allowing the customization of telephone numbers
Telephone numbers in different countries have different numbers of digits and different groupings of digits.
Guideline C13

 Allow the user to customize formatting of telephone numbers.

Don't assume that international users will know the international country code for their country. Note that in some countries, telephone numbers can contain nonnumeric characters such as "1-800-IBM-4YOU". In other countries, the plus sign (+) is an integral part of the telephone number such as "+81-3-1234-5678".


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Best news of the week
Slutty Girls Love Rocco 7 [DVDRip] (2014/EvilAngel/1.95GB)
Here you will find fresh porn videos, movies for every taste. You can download their by clicking on the link site file-sharing service Nitroflare, Uploaded, Gigapeta, Keep2Share.cc and many other.
Legendary Rocco Siffredi's new title says it all, again — whether he's fucking, directing or both, "Slutty Girls Love Rocco 7." Two glamorous babes, Blanche Bradburry and Victoria Blaze, seduce hugely hung Ian Scott into an outdoor threesome. Blanche takes his big bone up the ass, her righteous cheeks flexing, and Victoria sucks anal flavor from his prick. Blanche's bunghole gapes, she sucks ass-to-mouth and the girls share a creamy kiss. Rocco has a wild foursome with three stylish sluts: blonde beauty Sweet Cat, black-haired Emylia Argan and redhead Barbra Sweet. Everybody cums together in a reverse gang bang, with the frenzied girls competing to blow, sit face, take Rocco's huge meat anally and taste ass on cock. Italian stunner Valentina Nappi and tattooed MILF beauty Dana Vespoli get very affectionate, inhaling armpit aroma and trading foot sex; Dana stretches Valentina's pussy with eight fingers and Valentina samples ATM cocksucking. Outside, they enjoy stud James Deen and a strap-on in an anal three-way as Rocco films. There's extra sex with Rocco auditioning freckled 18-year-old Anne.
Original Name: Slutty Girls Love Rocco 7
Production year: 2014
Studio: Evil Angel
Genre: European, Foreign, Gonzo, Anal, Teens
Cast: Barbra Sweet, Blanche Bradbury, Dana Vespoli, Emylia Argan, Ian Scott, James Deen, Rocco Siffredi, Sweet Cat, Valentina Nappi, Victoria Blaze
Duration: 2:48:51
Quality: DVDRip
Format: MP4
Video: MPEG4 Video (H264) 720x404 29.97fps 1483kbps
Audio: AAC 48000Hz stereo 167kbps
Size: 1.95 GB
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Pains Of Being Pure At Heart Rock!
BuzzFeed's own Peggy Wang is in a band, The Pains Of Being Pure At Heart, which gets a glowing review today in the New York Times — it even singles out her "high harmonies," which "when faintly whispered, added necessary texture. So did her synthesizer, which was smooth and glassy on 'Young Adult Friction' and needling and whiny on 'The Tenure Itch.'" Go Peggy!!!
Pains Of Being Pure At Heart Rock!
I was at this show and can say that Jon Caramanica's review is totally right on. If you live near Austin, Los Angeles, anywhere in the Northeast or Europe, or will be in those areas in the next few months, you should go see them live as soon as you possibly can.
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A wine critic friend of mine asked for an interview with the winemaker but was told it was "inconvenient."
The wine world tends to glorify the winemaker when really it takes a team of hard-working people to tend vineyards and make wine.
Both women have earned "winemaker of the Year" accolades from various organizations.
Françoise, the winemaker at Araujo at the time, was hugely instructive.
Maison Bleue (John Meuret, winemaker) in Snipes Mountain--especially "Uplands Vineyard" Grenache.
Gramercy Cellars (Greg Harrington, winemaker) in Columbia Valley–-especially "Lagniappe" Syrah.
Andrew Will Winery (Chris Camarda, winemaker) in Yakima Valley--especially the "Two Blondes."
If, however, a winemaker were to include those words on a wine label, that winemaker would find itself in serious legal trouble.
In 2007, not to miss a part of the trade, Johnnes began moonlighting as a winemaker in both Oregon and Burgundy.
Today the winemaker Daniel Ravier is responsible for viticulture and vinification at Domaine Tempier.


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The Door County Economic Development Corporation (DCEDC) proudly launched the NexGen Door County Young Professionals Network with two events in November and December 2015. The purpose of the NexGen Young Professionals Network is to help attract and retain young professionals in Door County through social, educational and community service programming.
NexGen will offer a regular schedule of events, including professional development, community service projects and social gatherings, throughout the length and breadth of the peninsula. Keep up to date with NexGen events via their Facebook Page. Admission to all NexGen Door County events is free for members. There is a non-member fee of $10.
Individual membership in NexGen is $50 annually. NexGen also offers annual business memberships for $300 and premier memberships for $1,500.
Individual: $50
- Includes admission to all NexGen events (other program costs may apply)
Here is the individual application.
Business: $300
- Up to 10 young professionals from your business can participate in our events and programming.
The business membership application is here.
Premier Sponsor: $1500
- Unlimited young professional employees can participate
- Tailored tours of the community for your recruits and new hires by an appropriately matched NexGen member
- Option to hold a NexGen event or program at your business
- Business name and logo on all NexGen events and press releases
Contact Caleb Frostman (firstname.lastname@example.com) for more information on Premier business memberships.
You can also use PayPal to purchase your NexGen membership:
Steering Committee:


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Wednesday, December 23, 2009
Cute and Caught?
Renae Young, 17, of Augusta, was busted Monday for shoplifting in Richmond County.
The message on her shirt got cut off on the mugshot. What do you think it says?
7 comments:
- AnonymousDecember 26, 2009 at 9:44 AM
How about Cute and Stupid!ReplyDelete
Hahaha! Or "Cute and Retarded!"ReplyDelete
- AnonymousDecember 30, 2009 at 3:50 PM
try this.....cute and cuff'sReplyDelete
- AnonymousJanuary 5, 2010 at 9:27 AM
LOL I COULD TAKE A STAB AT IT. MAYBE CUTE AND BLACK OR CUTE AND FAT OR CUTE AND..... SYKE LOL LOL LOLReplyDelete
- AnonymousJanuary 7, 2010 at 7:34 PM
girl you dumb as crapReplyDelete
- AnonymousJanuary 20, 2010 at 11:26 AM
how about take a red pin and mark out the word "cute" because it doesn't suit her AT ALL!!!!ReplyDelete
- AnonymousJanuary 16, 2012 at 6:03 PM
Toe Up UglyReplyDelete
Subscribe to: Post Comments (Atom)


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Former president Kufuor is feeling so disappointed that after 60 years of independence, Ghana still can't boast of an improved economy.
Speaking at the inauguration of the FPSO in his name, the former president lamented that "although Ghana is now counted among the oil-producing countries in the world, our country is yet to become the 'land of milk and honey' that many pray for.
Ghana's latest Floating Production and-Storage Offloading (FPSO) vessel named after Kufuor becomes the third FPSO in Ghana since the commencement of oil discovery in Ghana.
FPSO John Agyekum Kufuor, expected to sail into Ghanaian waters by April 2017, is operated by ENI Petroleum, Ghana, Limited, Vitol Upstream, Ghana Limited and the Ghana National Petroleum Corporation. It was built by Keppel Offshore and Marine Shipyard Company of Singapore.
READ ALSO: CHRAJ petitioned to investigate Parliament bribery allegation
Source: Yen.com.gh


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Latest News
- Mom jailed over refusing son's circumcision makes tough call 2015-05-29 11:56
- Kerry sued over Hillary Clinton's emails 2015-05-29 09:42
- A Website That Lets You Spy On Millions of People 2015-05-29 02:18
- Social Revolution In Ireland: 62% of Irish Voters Say YES To Gay Marriage 2015-05-29 02:11
- Killer robots will leave humans 'utterly defenceless' warns professor 2015-05-29 00:35
- Russian Air Force to Get at Least 50 New Strategic Tu-160 Blackjack Bombers 2015-05-29 00:21
- Chicago cops posed with black suspect wearing deer antlers 2015-05-28 13:40
Georgian Public TV terminated all contracts with PIK2012-11-14 14:12
Public broadcaster of Georgia has terminated all agreements with the TV company PIK. This was announced today by the CEO of Georgian Public television Gia Chanturia, the Vestnik Kavkaza reported.gt-en-newsitem-inside
This decision is motivated by the fact that the state budget for 2013 does not include funds for the third channel public TV, through which satellite broadcasting of the PIK is being carried out. The decision was supported by the majority of the Board of Trustees of the public broadcaster.
"I have learned that the budget for 2013 does not include additional funds for the third channel of the public broadcaster. Accordingly, the public broadcaster is unable to announce a tender for relevant services in 2013 in connection with the broadcasting to the Russian-speaking population abroad Georgia. Broadcaster is going to create a software product for the Russian-speaking population living in Georgia", Gia Chanturia said.
Recall, in late October Georgian Russian-language TV channel PIK, functioning under the order of the Georgian Public Television, appealed for the help to the newly-elected parliament of Georgia, its chairman David Usupashvili, as well as to the U.S. ambassador to Georgia Richard Norland.
The authors of the appeal called the PIK "unique Media project in the history of the Caucasus" and stressed that the primary audience of the channel was ethnic minorities living in Georgia, population of the Caucasus and former Soviet republics, as well as Russian-speaking immigrants in the West.


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4117 Hillsboro Pike, #103-149
The Perfect Stranger - DVD
A female attorney gets a dinner invitation that reads, you are invited to dinner with Jesus of Nazareth. Who would play a joke on her like that? What is this? She shows up and the man says he is Jesus. She is quite the skeptic, but as the dinner proceeds, the man speaks truth to her ears that opens up her eyes as to who Jesus really is. This movie is based on the novel, Dinner with a Perfect Stranger. There are two other movies in the series entitled Another Perfect Stranger and Nikki and The Perfect Stranger. Plus, there is an additional film with the same character called The Perfect Gift.
Editor's Note: The Perfect Stranger movie has a scene in it where the Jesus character orders a bottle of wine. This website does not endorse alcohoic beverages in any way, shape or form. But, we carry the film because it does present good truth in the movie and it is that truth which is worth hearing.
The Perfect Stranger Movie Special
Watch the Trailer


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A few bite sized pompous postulations to keep your empty soul fed with divergent non-logical distractions of reason to keep you on the edge of insanity, along with me, for the ride; hold tight; I am about to twist your nipple with a branding Iron.. then place a 3 ft white hot Poker up your Anus.. just for fun you understand, and dont forget You agreed to, when you signed the declaration of total Literary perversion.. lol.. Feed Children my tit's are full of pure milk of Human kindness.. and a touch of cruelty.. Who can resist such an excursion into the essence of Entertainment?... when you have emptied your Bladder.. please read on... or be Gone!... +
The Greatest Achievement in ALL in RECORDED history of Humankind.. is... Motherhood... So ironic? Gentle Women give Birth to Men who grow up and then Kill them.. then go and kill the Children of Other Mothers.. terminate all Men at birth.. let Lesbians take over the world...
Critical Mass.. Love is the mind of God.. in action and contemplation... and always takes precautions.. like a condom.. with a new 'John'
I am only Seducing You Spiritually... there is no adultery in that.. as I am too old to even put my finger in.. more than one joint... one flick and that is it.. I forgot the location of a Clit..
half controlled Madness.. the rest is random reflex...
out of the chaotic unconscious mind comes forth, a piece of quantum jocularity?..
I am a Hermaphrodite, thats Why you will always see a smile on my Face:
I'm actually fucking Myself right Now..
Mind Bomb?
what would the world be like now if SLAVERY HAD NOT HAPPENED.. much fewer filth on the streets?..
Behind every Great Woman.. is another Woman..
But behind every great Man is a hungry maggot... or a thrusting rich faggot...
Shopping: Girl at Till: can u put your card in please?.. I like to say.. ''I've put it in as far as it will go... CAN YOU FEEL IT?... yet... ha ha.. usually gets a laugh from other waiting customers..
You can get fat for 'fuck all' in Lidl's...
A great humiliating punishment... to shit in public, in a Glass Toilet filled with cameras... and be forced to wipe your ass with a dead Rat...
I was Born a bastard but; may Die a saint, in spite of robbing my Grandma, and shagging my Cousin when she was 11 after she hit her head on a lampost;
I got fed up being mediocre.. after I met someone far more interesting than me... which was a shock.. up till then I was the most interesting person I had ever had the good fortune to be acquainted with..
You are a Cool; Hip; slick; street cred; Chic, chick.. definition of Delevingne:
the Imax of total recall... absolute detail in visual complexity...
This is not here... or any where else.. yet:
but I bet you get it before you buy it?
Do a piece on Cruelty and kindness v damnation and Enlightenment... might get a few laughs..
I won the Lottery... of the Oxford English Dictionary!.. cant you tell?..
Dont forget Dogma v Reality...
Irretrievably recalcitrant.. = Muslims!... they will always be backward.. they are born to stay that way.. it's dogma or ignorance, and they always choose BOTH!..
is there anyone out there Who could love me more than I do? that Is a Joke btw: you can laugh.. wait... Now:
Wednesday, 13 January 2016
Random blog Ideas
Posted by Cutflowers at 4:49:00 pm
Labels: Random Blog Ideas
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It is always nice to change a regular breakfast menu. As the plain scrambled egg, cereals or fruits can become boring. A good start of the day can also contain a fresh avocado dish which is rich in several B vitamins and vitamin K, with good content of vitamin C, vitamin E and potassium. This simple vegetarian dish is rich in flavor, very cheap and easy to prepare.
Servings: 1
Prep time: 30 minutes
Difficulty: 🍳 🍳 (2/5)
- 1 large ripe avocado
- 1 large tomato
- 1 small red onion
- 1/2 lemon
- 1 tablespoon of olive oil
- 1 multigrain baguette
- 2 large eggs
- 3-4 tablespoons of vegetable oil
- salt, pepper
🍊 The Gourmand's tip & trick 🍊
If you want to make sure that you buy a fresh and ripe avocado and you have to decide it in the shop whether to buy it or not, you only need to check 2 things.
1) The avocado has to be a little bit soft to the touch. If the fruit is too hard or too soft, then it is under- or overripe.
2) Take off the top stem of the fruit. If it comes off easily, then the fruit is definitely ripe. You need to check the color under the stem. If it is light green, then run with the fruit. If the color is a bit brownish, then the fruit might be overripe and can contain dark spots inside.
Cut the avocado in half sideways. To take out the seed carefully stab a pointed knife in the seed and pull it out. With the help of a spoon take out the flesh of the fruit and put it in a bowl. Use a strong fork to mash the avocado into a puree. Chop the tomato and red onion in tiny pieces and add it to the bowl. Add a tablespoon of olive oil and squeeze the juice of a half lemon on top. Season it with salt and pepper and mix the guacamole well.
Cut the multigrain baguette diagonally in 2.5 cm (1 inch) slices and toast them in a pan or on the grill. Place them on a plate and with a spoon scoop a generous amount of guacamole on each slice.
In a skillet or a pan put the half of the vegetable oil and set the fire on medium-low. When the pan is hot gently break one egg and slide it in the pan, taking care not to break the yolk. With a help of a spoon baste* the oil on the top of the egg. Sprinkle salt and pepper on the egg while it is cooking. You know when your egg is ready as the yolk starts to develop a thin layer of silky white texture. When the egg is ready the it out with a spatula and place it on the plate. Clean the pan with a paper towel, add the rest of the oil and then do the same with the second egg.
Your dish is ready and waiting you to taste it. Bon appetit!
- multigrain baguette > french baguette or toasted bread
- lemon > lime
- Vegan option: just leave out the eggs or toast some extra firm tofu
* Technique:
– pour juices or melted fat over (meat) during cooking in order to keep it moist.


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Slow Computer Repair Under 2 Minutes. Try Now!
This file is part of Icon3E5562ED.exe. Icon3e5562ed.exe is usually located in the %WINDOWS% sub-folder and its usual size is 12,288 bytes.
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Part Of: Icon3E5562ED.exeCommon path(s): subfolder in %WINDOWS%Filesize(s): 12,288 bytes
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Claudia Dunaway, lead speech-language pathologist, is the winner of this year's Monty, the top honor bestowed upon graduates of San Diego State University. Dunaway is one of 12 distinguished graduates chosen by the Aztec Alumni Association to have made significant contributions regionally, nationally and internationally. They will be honored at a gala event at the Hotel del Coronado on April 24. Among her innovations for district students with communication challenges include using team collaborations with students with autism, and using language samples to determine needs and services for students. Claudia also provides professional development for both general and special education teachers in how to build language and literacy skills in students of all ages. For more information, please visit www.sdsualumni.org/montys.
For more district news, subscribe to the Superintendent's Friday Notes.


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Just re-entered my livejournal for the first time in over 6 years.
I want to slap teenage-agnst Cait in the face. If only she realized how great her life really was! She should have enjoyed being young.
Looks like you've not posted much since then. Thinking about starting up again?
Yes, definitely! I just need people to be my "friends", haha. Luckily, no one I know uses livejournal anymore so I can be more candid.


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CurrentCalifornia Lutheran University
MajorBusiness Administration
Graduating Class2014
HometownStrathmore, CA
- California Lutheran University
- Strathmore High School
Follow Quinn's Progress
Cal Lutheran is dedicated to educating leaders for a global society who are strong in character and judgment, confident in their identity and vocation, and committed to service and justice. Members of the student body come from across the nation and ar...
CollegeCalifornia Lutheran University
LocationThousand Oaks, CA
- Verified by California Lutheran University
Quinn Procter of Strathmore graduates from CLUQuinn Procter of Strathmore earned an undergraduate degree from California Lutheran University in May. Procter graduated cum laude with a Bachelor of Science degree in business administration . C...Spring 2014Verified by California Lutheran UniversityExpand ▾
Quinn Procter named to CLU Dean's ListQuinn Procter of Strathmore is one of 629 students who made the Dean's List at California Lutheran University for the spring semester. Procter is majoring in business administration. Students qua...Spring 2013Verified by California Lutheran UniversityExpand ▾
Quinn Procter of Strathmore named to CLU Dean's ListQuinn Procter of Strathmore was among 610 students who made the Dean's List at California Lutheran University for the spring semester. Procter is a junior majoring in business administration . St...Spring 2012Verified by California Lutheran UniversityExpand ▾
Colleges across the country are recognizing students from Strathmore High School for their on-campus success. Click any achievement to discover alumni from Strathmore High School, view their personalized Merit pages, and learn about what they are accom...
High SchoolStrathmore High School
TypePublic High School (9-12)
LocationStrathmore, CA
- Verified by Strathmore High School
Awards & Recognition
Quinn Procter named CLU Presidential ScholarQuinn Procter of Strathmore was selected as a Presidential Scholar at California Lutheran University. Procter, who graduated from Porterville High School, is a business major. This year, 68...Winter 2010-2011Verified by California Lutheran UniversityExpand ▾
Work Experience
Quinn has not added any work experience yet.


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Mountain States Mennonite Conference is delighted to announce the three winners of the Anabaptist Songwriting Challenge. The jury met Feb. 14 and selected (in no particular order):
Linda Dalke, "Drawn In, Sent Out"
Jeremy Kempf, "True Evangelical Faith"
Patrick Ressler, "Camina Conmigo (Walk with Me)"
Additionally the jury's top ten included:
Dennis Graber "Isn't It Time"
Nathan Greiser, "Made for Love"
Eric Shenk, "Peace Psalm"
Sadie Gustafson-Zook "You are the Love"
Leo Hartshorn, "The Bread of Life"
Judy Mink & Reuben Budiardja, "I Hope in You"
Grace Delp, "We Will Overcome"
Some of our winning songs will be showcased at Kansas City 2015, as well as included in a digital songbook on the Anabaptist Songwriting Challenge before June 1st.
Blessings from our Planning Committee: Herm Weaver, Jaime Lazaro, Mary Sprunger-Froese, Rhoda Blough, Tory Doerksen and Vern Rempel. This project was funded and supported by SEED (Outreach and Development Ministry of MSMC) and the Fransen Family Foundation.


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Children's first language, culture, and personal identity are inextricably linked. The positive development of each child requires maintaining close ties to the child's family and community. When schools respect and value a child's fi rst language and culture, children, families, and communities stay securely connected. If children and their parents feel that their previously acquired language, background knowledge, and culture are not valued, children's sense of identity and self-worth can be negatively impacted. However, when schools capitalize on the richness of the culture (e.g., experiences, understandings, values, and language) that children bring to the classroom, children's learning and sense of belonging are enhanced.
A welcoming and inclusive multicultural school is one in which students and parents of all linguistic and cultural backgrounds feel welcome, valued, and included. (Coelho, 2004) 18 Supporting English Language Learners in Kindergarten
Role of parents
The Kindergarten Program acknowledges that children perform better in schoolif their parents are involved in their education (p. 3). Parents provide a wealth of family tradition, knowledge, and experience for their children. They are their children's fi rst teachers; this role continues when the children enter school. Building relationships with the home School staff can lay the groundwork for ensuring that communication with the home is handled in an honest, sensitive, and respectful manner.
Communication with parents who are ELLs themselves requires some thoughtful planning.
New Teacher:
How do you begin to communicate with children's families when you don't speak the same language?
A good starting point for me is to think about how I would want to be treated if I were a parent in a new country talking to my child's teacher. I'd like that teacher to recognize the important role I play in my child's education and to show empathy for me as a newcomer.
Providing an interpreter would help me communicate more complex ideas than I could if I had to struggle to express myself in the language I was just learning. Inevitably, there will be some challenges along the way, but the key is to learn from them and move on. For example, I found it natural to hold out my hand to shake parents' hands, and sometimes they would not return the gesture.
Reflecting on those uncomfortable moments helped me learn what to do next time. In some parents' cultural tradition, shaking hands with a teacher did not feel appropriate. So now I wait for the parents to offer their hands fi rst or, if I forget because it comes so naturally to me, I just pull back my hand and say,
"Good morning, I am your son's teacher."
New Teacher: I know it is important to find out about the families' backgrounds, so what have you done to find out more?
Mentor: I have tried different things as this is something I am learning too. I have said things such as, I look forward to learning more about your family's background. It will help us work together to support your child's learning. I find working with interpreters very helpful as they are able to provide general information about many cultures, as well as important information specifi c to the family. I've used the Settlement Workers In Schools website, www.settlement.org. There's lots of information there. Supporting English Language Learners in Kindergarten 19 I also fi nd that I pay more attention to international news items now that I have ELLs in my class. The reports often provide background information as to what is happening in the countries parents have come from, and I can sometimes use that information as a conversation starter. But I also try to be careful not to generalize about families' cultural backgrounds.
Stages of acculturation in adults There are well-documented stages of acculturation that most newcomer adults experience:
- arrival and fi rst impressions
- culture shock
- recovery and optimism
- acculturation
Whether Kindergarten children go through these stages is yet to be proven, though it is possible that their parents' feelings about their own adjustment would have a general impact on the family.
Teacher Refl ection As a teacher of ELLs, I have a wonderful opportunity, as well as an obligation, to extend my own learning, to deepen my cultural awareness, and to reflect on my own assumptions about the role of the parents and the community in education.


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Michael P. Johnson
The Old Oak Tree - Poem by Michael P. Johnson
If mighty oaks from acorns grow
Without much love or care
Regard the seed of love we sow
What fruit through Christ we bear
The law of nature stands the same
For oak as well as love
Though sown in soil or Jesus' name
Reach both to God above
If nature we would understand
No more would life seem odd
For through the work of Jesus' hand
We'd see the mind of God
Let's take another look and see
What nature has to say
What report can the old oak tree?
Show man God's righteous way
Its branches reach towards the light
With leaves both soft and green
Bending and waving plain in sight)
On roots so seldom seen
It greets the sun the snow and rain
The dew in times of need
Preparing life to start again
Its sows its precious seed
Standing a thousand years or more
Majestic tall and bold
Wrinkled and worn yet ever sure
In weather hot and cold
Truly our God has much to show
Through natures wondrous rules
A guidebook how to live and grow
And not to die like fools
Comments about The Old Oak Tree by Michael P. Johnson
Read this poem in other languages
This poem has not been translated into any other language yet.
I would like to translate this poem »
Michael P. Johnson's Other Poems
Famous Poems
Phenomenal Woman
Maya Angelou
Still I Rise
Maya Angelou
The Road Not Taken
Robert Frost
If You Forget Me
Pablo Neruda
Langston Hughes
Annabel Lee
Edgar Allan Poe
Caged Bird
Maya Angelou
Rudyard Kipling
Stopping By Woods On A Snowy Evening
Robert Frost
A Dream Within A Dream
Edgar Allan Poe


text:
Hadoop: The Definitive Guide. Question on Hive sample data query
- In the second edition Page number 368.
I have followed the same example by downloading the 'sample.txt.' data from the website
I created a table, loaded the data into the table 'recods' and did a Hive Query given in Page No. 369..I did not get any output..Please help me regarding this.
Thank you
Help get this topic noticed by sharing it on Twitter, Facebook, or email.
EMPLOYEE0Chris Olson (Employee) June 19, 2014 18:43Hi Vamsy,
I have passed your question on to the author, so I'll let you know what he has to say about it.
Best regards,
Chris Olson
O'Reilly Book Support
Thank you Chris. I appreciate it


text:
1 Review from the ApartmentAdvisor Community
Click to rate!
"Will be a 1 and done tenant"
My husband and I now consider this our transition home, and intend to honor our lease-moving as soon as possible.
While the community allows for pets of all sizes, I have no doubt the maintenance crew is challenged to keep up with the number of owners who do not pick up after their pets. Despite multiple stations for depositing waste, laziness prevails.
The elevators are also dirty, which makes it a bit embarrassing if bringing visitors into the community. Again, I attribute this to the tenants as often it's pet "accidents" and/or garbage (fast food bags, etc.).
Wish it were a better experience, but sad to say it isn't.
Stayed 2016, lived as a couple in a 2 bedroom, 2 bathroom apartment
Pricing and Floor Plans
|2 beds / 2 baths
|Prices and availability subject to change without notice.
Location of Tattersall at Tapestry Park30.2591550 -81.5537680
AmenitiesGranite countertops in kitchens and baths, Stainless steel Whirlpool® appliances, including glass-top range, 42" Designer Cherry cabinets, Alarm system, Crown moulding detail in kitchen and living room, Full-sized washer and dryer, Upscale lighting fixtures, 2" faux wood blinds, Brushed nickel fixtures, Convenient computer desk*, Double sink vanities in master*, Relaxing garden tub, Standing shower with separate oversized tub*
About Tattersall at Tapestry Park
Great Apartments in Jacksonville!
Tattersall at Tapestry Park offers apartment homes with spacious living and superb finishes. Finally, something to get excited about! Walk to work, specialty shops and restaurants. Then, stroll home, where your unique taste is exquisitely displayed.
Here, your everyday experience is interlaced with boutiques, offices and cafes, tree-lined streets, lakeside parks and boardwalks. You'll be astounded by the variety of amenities and services in place to cater to your every desire at Tattersall at Tapestry Park.
Address: 9734 Tapestry Park Circle, Jacksonville, FL 32246
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text:
Skip to comments.LA Is Home To California's First Bitcoin ATM
Posted on 07/09/2014 10:48:09 AM PDT by Citizen Zed
According to Coin ATM Radar, there are only 132 Bitcoin ATMs in the entire world. Here in the U.S., there are about a dozen Bitcoin ATMs, the first of which was launched in Texas.
These are not like ordinary ATMs, either. It's a longer process that involves scanning your palm and entering an email address, among other hoops.
Bitcoin currency has exploded in popularity in part because of its anonymous nature, though its rapid rise in value has attracted a larger audience as well. Consider that the price of a Bitcoin in February 2011 was a single dollar, versus upwards of $1,000 in January of this year.
(Excerpt) Read more at hothardware.com ...
I didn't think it'd be Augusta, Maine or Biloxi, Mississippi.
It is far from anonymous. I wish people would stop printing that. In fact the public ledger is a strength.
Disclaimer: Opinions posted on Free Republic are those of the individual posters and do not necessarily represent the opinion of Free Republic or its management. All materials posted herein are protected by copyright law and the exemption for fair use of copyrighted works.


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Regional Transportation Council consideration of the full amendment to Mobility 2035 - 2013 Update will be delayed until November 13, 2014.
The RTC had originally been expected to consider the amendment at its meeting in October, but postponing a decision will allow more time for the RTC to review public comments about the Blacklands Corridor Feasibility Study, following that study's public meeting September 22. More than 1,200 attended the meeting, almost all expressing concerns about a potential toll road. Residents also submitted written comments in advance of the October 2 deadline for input.
The feasibility study is examining transportation needs in the area stretching from Garland to Greenville that includes parts of Dallas, Collin, Rockwall, and Hunt counties. At the September 22 public meeting, planners recommended a combination of strategies to help meet local and regional transportation needs in the area based on study findings and public involvement since July 2013. New and widened arterials, a new freeway/tollway, bicycle and pedestrian improvements, and IH 30 bottleneck improvements were among the recommendations.
The North Central Texas Council of Governments has received hundreds of written comments and surveys about the proposed toll road, known as the Northeast Gateway, in addition to the oral comments at the meeting. NCTCOG staff is compiling public input, which will be provided to the RTC before it considers long-range transportation plan changes. The deadline to provide comments on the feasibility study is October 2. Staff will then consider transportation options for RTC consideration. Those unable to attend the public meeting September 22 who would still like to have their opinions registered can visit www.nctcog.org/blacklands by October 2. A video of the meeting and information about the feasibility study area are also available at the site.
The number of entities that have approved the Clean Fleet Vehicle Policy since it was approved in 2005.
To receive Local Motion and public meeting info by email, click here.
View the Transportation Department calendar to learn about upcoming meetings and opportunities to get informed, involved.
> Recent presentations
> Requests for proposals
> Legislative affairs
> Publications
> Transportation home
Read or print Local Motion as a
PDF here.
Read previous newsletters here.
Regional growth paves way for comprehensive transportation system
Green lawn equipment demo
Regional growth paves way for comprehensive transportation system
Green lawn equipment demo
Voters to decide transportation measure
AFV Odyssey coming to UTA October 25
Voters to decide transportation measure
AFV Odyssey coming to UTA October 25
Participation plan undergoing revisions
Participation plan undergoing revisions
CH %Arc


text:
Crossed: Volume 11.pdf
In this volume two of the industry's best new talents come together to tell very different Crossed stories of despair. Simon Spurrier takes you to a picturesque environment in the English countryside with tweeting birds, friendly vicars, crumpets and jam, and a mob of Crossed lurking near the duck pond. Justin Jordan tells his first diabolical tale as two women attempt to escape the band of monsters out for their blood!
Simon Spurrier has worked on Gutsville, Silver Surfer, Ghost Rider, X-Men, and web comics Disenchanted and Crossed: Wish You Were Here Justin Jordan is the creator of The Strange Talent of Luther Strode and has written for Green Lantern: New Guardians, Superboy, and Deathstroke for DC Comics, and Shadowman for Valiant Entertainment.


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- jewelry & watches
- fine jewelry sets
cross jewelry
- Shape:cross
$79.99 sale
was $133.32 | 40% off
Stainless Steel & Cubic Zirconia Cross Pendant Necklace & Bracelet Set
$49.99 sale
was $124.98 | 60% off
Girls Sterling Silver Cubic Zirconia Cross Pendant Necklace & Earring Set
$112.49 sale
was $187.48 | 39% off
Men's Stainless Steel Cross-Embossed Dog Tag & Bracelet in Valet Box(2)
$74.99 sale
was $249.97 | 70% off
Diamonart Womens 2-pc. White Cubic Zirconia Jewelry Set(2)
Enjoy Classic Elegance With Cross Jewelry
Wearing cross jewelry is an excellent way to showcase your faith in beauty and style. While most people picture necklaces and pendants when they think of cross jewelry, there are other pieces available. When you want to incorporate a few of these pieces into your wardrobe, consider the following options.
A Variety of Cross Jewelry
Although cross necklaces are the most popular type of cross jewelry available, they're certainly not the only style. You can also find cross earrings, bracelets, and rings. If you'd like cross jewelry that coordinates perfectly, you can even get sets that come with multiple pieces. There are two-piece sets that have a necklace and earrings that work nicely for women or two-piece sets that come with a bracelet and necklace that are ideal for men.
For All Ages
Whether you're looking for cross jewelry for yourself or someone else, you can find a variety of styles that are good for all ages and genders. There are larger pieces designed for men and smaller pieces that are perfect for women. There are also plenty of pieces that can work for both men and women. Finally, you'll find an excellent selection of cross jewelry that's the ideal size for young boys and girls.
Plenty of Unique Styles
The best thing about cross jewelry is that you can find a variety of styles to match every taste. Whether you prefer silver, rose gold, or yellow gold, you'll find cross jewelry in the metal color you like. There are even pieces that combine different precious metals for a special look. While you can get cross jewelry in a simple design without any gemstones, you can also find pieces that incorporate different gems for added color. There are designs that have diamonds, opals, sapphires, rubies, pearls, and more.
Designs for Everyone
Whether you prefer simple or modern, you can find cross jewelry in a design you love. There are simple necklaces and rings that go perfectly with casual and everyday outfits. If you like a more contemporary look, you'll find stylized cross jewelry that can really stand out. When you're searching for cross jewelry that can complement a formal look, choose ornate pieces that won't get overpowered by a stunning dress or suit.
Makes a Nice Gift
If you're searching for a meaningful gift for a first communion, wedding, or other religious milestone, consider a lovely piece of cross jewelry. For spiritual friends and family, these pieces can also make a lovely gift any time of year.
It doesn't matter if you're looking for cross jewelry for yourself or as a gift, you'll find a great variety of styles when you shop at JCPenney.
Shop Jewelry Store


text:
Work bullfighter with bull. Close-up
- Code: 1942959
- Loopable: No
- Duration: 22 s
- Aspect: 16:9
- Alpha / Matte: No
- Model Release: No
- Property Release: No
(Editorial Use Only)
- Location: Madrid, Spain
- Source: Canon
Spain. Madrid. May 05, 2013. Bullring Las Ventas. Bullfighter, armed with a sword and muleta plays with a bull
Buy with Confidence
Quality Assured
MotionElements warrants the content to be free from defects in material and workmanship for 30 days from the date of license sale.


text:
Starwood Deal: Cash Bid May Not Be King
The latest offer for Starwood from the consortium led by Anbang Insurance may face hidden regulatory pitfalls
An all-cash offer from a company that doesn't compete against its target seems about as risk-free as deals come. But the latest bid for Starwood Hotels & Resorts Worldwide from Anbang Insurance Group may have some hidden pitfalls for investors.
Starwood's board said Monday that a nonbinding proposal of $82.75 a share from a consortium led by the Chinese insurer is likely to be "superior" to a recently sweetened offer it received from Marriott International. Under the latter, Starwood shareholders would receive $21 in cash...


text:
Nicholas Fry was named curator of the John W. Barriger III National Railroad Library, the sixth archivist/curator since the creation of the Barriger collections at the St. Louis Mercantile Library Association in the early 1980s.
KONE has been chosen by Jones Lang LaSalle and the Union Station Redevelopment Corporation (USRC) to supply 18 new escalators in Washington, D.C.'s historic Union Station. The escalator modernization project was designed by Newmont Elevator Analysts, Inc. of Stone Ridge, N.Y.
Twelve cities and states will share $16.9 million to relocate, replace and improve segments of railroad track under the Federal Railroad Administration's Rail Line Relocation and Improvement competitive grant program.
Amtrak and the Texas Department of Transportation agreed on the scope of a feasibility study for new Amtrak service between the Bossier City -Shreveport area in Northwest Louisiana and along the Interstate 20 corridor to Dallas and Fort Worth.
Union Pacific's Chairman, President and Chief Executive Officer James Young will take a medical leave of absence from his responsibilities as president and CEO while he is being treated for recently diagnosed pancreatic cancer.
The Honolulu Authority for Rapid Transportation's board of directors selected Daniel Grabauskas as the agency's CEO/executive director to oversee the Honolulu rail transit project.
Mark Sinquefield has been named director police for Norfolk Southern, headquartered in Atlanta, Ga., effective March 1. He succeeds Al Shackelford II, who retires after 39 years with Norfolk Southern.
San Francisco-area Caltrain and its partners celebrated the completion of a $61 million station improvement project that will allow it to offer more service now and in the future.
Remember Me


text:
Subject: Re: Cracking zip passwords?
Newsgroups: gmane.comp.security.openwall.john.user
Date: Tuesday 4th July 2006 00:09:17 UTC (over 11 years ago)
Do you know of any that will crack WinZip AE-2? -h1kari Solar Designer wrote: > On Mon, Jul 03, 2006 at 01:54:09PM +0100, Hari Sekhon wrote: > >>Can jtr be used to crack password protected zip files? > > > Not directly, but you can use it to feed candidate passwords to a ZIP > password cracker. You would use the --stdout option for that, possibly > redirecting the output to a file or to a named pipe (if the actual ZIP > cracker is unable to read from its standard input). > > I have some shareware (non-free) ZIP password crackers listed here: > > http://www.openwall.com/passwords/zip-winzip-archives > > Unfortunately, these are Windows-only. A couple of (semi-)free ZIP > password crackers with source code are: > > http://www.goof.com/pcg/marc/fcrackzip.html > http://www.unix-ag.uni-kl.de/~conrad/krypto/pkcrack.html > > and you should be able to find more with a search engine. > -- To unsubscribe, e-mail [email protected]mane.org and reply to the automated confirmation request that will be sent to you.


text:
Beer "Zubr" Classic Dark, 0.5 L
- Minimum order is 20 pieces. Price is per piece
- Beer:
- Style:
- Region:
- Producer:
- Brand:
- Fermentation type:
- Volume:
Reviews of purchase "Zubr" Classic Dark, 0.5 L
Tasting Notes
Beer dark brown in color with a firm dense froth.
Beer taste rich, full, bitter-sweet, with a velvety hop bitterness and bright notes of roasted malt, which is felt even in the long finish.
The aroma of beer is dominated by shades of roasted malt.
Beer goes well with curries, Indian, Thai, Chinese, Japanese, Asian food, cheeses.
Interesting Facts
"Zubr" Classic Dark - beer dark brown, almost black in color with abundant resistant foam, full of flavor, in which moderate hop bitterness delicate balance sweetish notes of roasted malt and a long aftertaste.
In Moravia, in a town called Prerov (Prerov) in 1872, several hundred businessmen founded the brewery, which was called "First Moravian Joint Stock Brewery with malt house in Prerov," and briefly - "Pivovar Prerov." Brewery logo and symbol of its products, and then the brand name has become a dwelling in these lands bison.
By the end of the XIX century beer "Bison" has become the owner of the high titles at international exhibitions. In 1948 the factory was nationalized, but after 1989 again became a joint stock company. From this moment on the plant experienced a new round of development, the result of which was the acquisition of the brewery's products at the most prestigious competitions of 12 top awards (excluding diplomas and certificates). Of the number of medals are not honored, no brewery Czech Republic.
Today, the brewery, which is called - "Zubr", in terms of production is one of the largest in the country, its products are exported to many countries. Production is based on the classic, traditional bottom fermentation technology, making beer "Zubr" belongs to the category of traditional Czech beer. Its consistent quality and taste to this day ensures the success of the brewery.


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Who to pay? It starts to feel a little like "Who's on first, What's on second and I-don't-know is on third" when we start to look at complicated mortgage transactions these days. We have mortgages, deeds of trust, lenders, assignees, beneficiaries, lender's servicing agents, trustees, securities, exchange securities, and more.
Here, as happens, title companies are charged with collusion in a complicated Ponzi scheme. I question how we legitimately know who should be paid in some of these complicated transactions. Should the check for a payoff go to the Lender holding the Mortgage or to the Servicing Agent, in hopes it will be properly credited? Did the title company know the scheme?
From Lexology Title Insurance Article by Carlton Fields, an interesting read:
Escrow Agent: Where payments are disbursed to lender's servicer and escrow agent has not knowledge of servicer's scheme to defraud lender, lender fails to state a cause of action against escrow agent — Fazeli v. Williamson, No. H036951 (Cal. App. March 27, 2014) (affirming escrow agents' objections)
With a great deal of effort, I am proud to announce arrival of new online courses for the title industry. My first few are now available and I will have a number of others in the near future.
As you know, I specialize in teaching title insurance, title abstracting, title examination, legal descriptions and all things "geek" in the title world. I love land titles. I love the history. I love the mystery of finding the ownership and all the title issues. Insuring title, closing title, etc. Every title is different and I love it all from the search through the closing.
Try them out and look for more Classes to come online soon.
Best Regards, Jeanne
There were few surprises in the Report Issued by the CFPB from those who elected to respond to the "Request for Information" about closings. It's too complicated, and becoming more complicated by the day.
The 69 page report reviewed information it received from its recent public Survey-about the challenges consumers face when closing on a home. The Bureau identified several "pain points" consumers regularly experience during the closing process. Consumers reported being frustrated by (among other things)
Our legislators, while hoping to make things clearer for the consumer, continue to make the process more complicated. In my opinion, the average consumer does NOT want to know the maximum amount they could pay for a loan, including principle and interest, points and expenses if they keep the loan for thirty years as disclosed on a TIL. How many people keep the same house for thirty years with the same mortgage? But that is a requirement under the TIL law.
In CFPB's defense, it oversees just a small piece of the process and has been mandated to combine the HUD-1 and TIL – a difficult undertaking. And it has made excellent strides in asking the stakeholders for advice. Lenders, states, counties, title companies, attorneys and others all impact the process and have input that the CFPB is considering and taking seriously. I hope that the results will be as good as the process involved.
Just a thought for e-closings – Why not make the detailed information available to those who wish to review such information without requiring that all the information be covered. It's overwhelming to read 100 pages and if the consumer knows that a FNMA mortgage is a standard form for the state and CANNOT be modified, there should be some comfort in that.
But right now, it's too much noise- like the mail I get from the bank almost daily. Every mailing includes multiple pages of disclaimers from the bank. There is so much "noise" in all the mail, that we miss the point. Who reads all that jargon. I think the average consumer wants to know the monthly outgo – i.e. what is the total monthly PITI? After that, the mortgage Note and mortgage deed, and title deed need to be explained. But to spend an hour going over a hundred pages of disclosures is just too much – both for the closer and the consumer. I love the idea of the consumer being able to read the documents online and choose the level of understanding, with an explanation to clarify the point of each document BEFORE the table closing.
E-closing would make all our jobs easier and the consumer much more comfortable with the process. What do you think?
A great article about the CFPB's thoughts on the future of E-Closing at Lexology. See it here
Press Release
Our members strongly support efforts to identify and alleviate the pain points consumers have experienced during the home closing process," said Michelle Korsmo, ALTA's chief executive officer. "While we are focused on technology and the ability for us to receive, sign and return, and retain electronic documents, we cannot lose sight of the importance of personal interaction during the closing process. At the end of the day, consumers are not buying a home from a computer."The American Land Title Association (ALTA), the national trade association of the land title industry, released the following statement today from CEO Michelle Korsmo in response to the Consumer Financial Protection Bureau's report on consumer experience during the mortgage closing process:
"Improving the closing the process through technology by providing electronic documents to the homebuyer will help give the consumer more to time to digest the information about their purchase prior to the closing. We agree with the CFPB that any implementation of new technology in the home closing process should not reduce opportunities for consumers to ask information or replace the ceremony of the closing process which indicates the importance of the transaction. Based on our members' unique vantage point working with all the parties at the closing table, the Bureau should not only focus on technological innovations but also on improving consumer education about the closing process. The new integrated mortgage disclosure forms that the CFPB developed and will be implemented in August 2015 will help ensure the personal interaction and explanation remains part of the closing experience for consumers."
"We look forward to continuing to work on this important initiative with Director Cordray and staff at the CFPB on this important consumer initiative."
I was in Michigan last week speaking to an amazing group. The company developed special cameras, made in Germany, to take to Courthouses around the country to image public records. The amazing thing is that their cameras read the humps and bumps in those enormous tract books by refocusing the images as they cross the page. In other words, they don't have to take the books apart. They work in teams, 24/7, traveling with the cameras to wherever they are needed. Some of the team scan the pages, others carefully proof the images for clarity, and they can even create the grantor grantee books and tract books. I am very proud of these people. Lets keep our jobs in the US and lets continue to invent new and better ways of doing the same old tasks.
In a new twist, the State of Delaware is suing MERS under the Unlawful and Deceptive Trade Practices Act (UDTPA.) The suit claims that MERS has left for borrowers "no public trail by which anyone can identify the principals or verify the propriety of the (mortgage) transfer." The private and obscure nature of their database makes it difficult for consumers "to know of or challenge inaccuracies in the MERS System" i.e. – who the heck holds the mortgage and who the heck has the right to foreclose? Read more at Delaware Online
From The Supreme Court Blog comes an interesting and important title case. The case began in Cleveland and is scheduled to be argued before the U.S. Supreme Court this fall. The outcome could determine whether lawyers can file a new sort of consumer lawsuit against title companies on behalf of those who haven't actually suffered any actual title damages or even a financial loss .
The lawsuit, First American Financial Corp. v. Edwards involves a homeowner named Edwards, who bought a house in September 2006 and paid for a title insurance policy from First American Title. A few years before that, First American had paid the firm that closed the transaction $2 million for a minority stake in the company and they made an agreement to exclusively sell First American title policies according to reports at Forbes.com. First American claimed there were no financial damages to Edwards.
However, the case appeared to violate RESPA laws, which prohibit title insurers from paying kickbacks or anything of value for referrals. The Supreme Court will review the case and its decision could mean that any violation of the RESPA law, regardless of injury or financial damages, could subject title underwriters who have practiced co-ownership with agents to enormous class action lawsuits.
The Louisiana Court made a good call in MGD Partners vs. First American Title, when MGD sued for bad title when the Parrish refused to issue building permits for a new subdivision of homes. Apparently the site had previously been used as a bombing range in WWII. Read the Case at LEGAL
We all know the title business has changed. Not long ago title insurance was a thorough, labor intensive search of title that uncovered and then repaired title for the homeowner. Now it is an outsourced take-a-quick-peek-at-the-last-deed-of-record and put out a title commitment. Then when all those unresolved problems show up, let's-just-insure-over-all-those-title- problems-until-they-go-away! I personally feel that the title underwriters have taken a shortcut by no longer researching the title. Yes, it does save the shareholders money up front, but in the long run, will it cost more in claims than the savings.
Forbes Magazine has a great article, Why Amazon Can't make a Kindle" on what can happen with outsourcing. I see a lot of parallels with the title industry as we outsource posting of title plants and preparation of title commitments. We are losing the skilled trade abstractors, closers, and examiners to save a buck. No one is teaching basic skills any more. I'll be interested in what you think.