text:
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Downloads: 664+ (for Android)Report app for spam or abuse!
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text:
To sign up for newspaper home delivery, get in contact directly with the newspaper's circulation department and let the company know you wish to subscribe. Typically, the quickest way to find subscription information and place your order is to go through the newspaper's website.
For example, to subscribe to the New York Times, visit NYTimes.com, and find the Subscribe Now button in the top right corner of the page. For a local paper, such as Southern California's Daily Breeze, visit its website at DailyBreeze.com and find the Services tab on the menu bar. From the drop-down menu, click on Subscribe.
You may be given a range of options, including subscribing digitally or in print. For home delivery, subscribe to the print edition. Major papers and papers with a national focus, such as the New York Times or USA Today, deliver across the nation, but local papers may not be able to deliver a print edition outside their immediate area. For example, the Daily Breeze only offers a digital edition outside Southern California.
If you aren't sure what papers are available in your area, visit your local public library and check its periodicals section. Most libraries have subscriptions to national and local papers so they can make them available to their visitors.

subset: commoncrawl


text:
Winslow Workhouse
SearchFrom this page you can search an extract from the Workhouse records for Winslow from 1835 to 1849.
This is an extract from the records of the Winslow Workhouse. The transcription is unchecked and any data obtained from searches should be treated as such. The Society is grateful to Jenny Peel for permission to make this transcription available.
The data contained in this transcription is copyright Jenny Peel and Bucks FHS. Any data obtained is freely available for personal use in family and local history research. Distribution of any part of the data extracted from this database is forbidden, whether for payment or otherwise.
Please enter the Surname you wish to search for.


text: It has been a while since we've got anything new toy wise in the Animated line. The latest being new voyager classed Bumblebee and repaint of Grimlock But where is Arcee? Wasn't she announced around the same time as Wreck-gar at some convention? Wreck-gar has since then been released. Could it be that, Arcee has been put on hold for the movie. The Animated constructicons were slated as a two pack deluxe set, but have been put on hold thanks to the movie, since Devastator will be in the movie. I have been hyped up for Acree since her first appearance on TV show. Animated Black-arachnia has a gorgeous fem-bot mode and it would be awesome if we could get another fem-bot in the same style. It'd really be a downer if her figure does not get released. Things that give me hope that she might be released is the new repaint of Soundwave with a new minion. Also the announcement of a slew of new characters will most likely spur Hasbro to release the new characters in a couple more waves. Hopefully, we'll see her in the next wave with Soundwave.


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November 10, 2006
Soaring - A Family Outing With A Difference.
Youve read articles Im sure, about taking the family out to some kind of week-end activity. But for something really different, something that touches man-kinds yearning to fly, why not go out to see a bunch of soaring pilots in action? You or your son or daughter will come home dreaming of joining them one day, I promise you. With just a little organization, you can make this happen and have everyone talking about it for days afterwards. That word soaring pretty much means to fly like a soaring bird. The kind that can stay aloft for long periods without flapping their wings.
In most countries, you can observe some kind of soaring at any time of the year. From a spectator point of view, the winter months are somewhat better. Why? During summer, soaring pilots have a habit of disappearing over the horizon on long cross-country flights! Too far away even for your binoculars.
Soaring is enjoyed in every continent. Heres an ever-so-brief re-cap of soaring in various parts of the world. The U.S. and Europe have clubs throughout their length and breadth, and most people there are within reasonable driving distance of some flying. Australia, a big and relatively empty country, has many soaring opportunities within reasonable driving distance from most capital cities. In Africa, its the South Africans who have taken to the soaring sports in greatest numbers. Plenty of opportunities to observe soaring there, if you look for them. Asia has a paragliding hot-spot in South Korea, but there is growing interest and flying activity in other countries as well. For example, China, India, Taiwan and Japan.
Clearing Up Confusion
I mentioned paragliding in that last paragraph, which is just one of the three main groups of soaring sports. Heres a quick overview of the different types of soaring aircraft now, in case youre confused. For a start, all these aircraft are under complete control of their pilots, who are able to plan ahead and land at any particular spot within gliding range.
Paragliders look like sports parachutes, and are the lightest and slowest of all gliders. No, the pilot doesnt jump, he or she just walks down a slope into the breeze! Next come hang-gliders, with their rigid, fabric covered wings. They are somewhat heavier and faster than paragliders. Finally, sailplanes are beautiful, streamlined craft with long gleaming wings. Commonly called gliders, they are very much heavier and faster than paragliders and hang-gliders.
Now heres a little note about soaring sports in general. Since they are so dependant on the weather, it is not unusual to have to wait a while for an opportunity to see some flying. Particularly if you can only go on weekends. Even once at the site, a little waiting around is inevitable. In fact, paragliding pilots have coined a name for this - para-waiting!
Since gliding of the various kinds is often done on land with restricted access, it is important to contact a local club or group of pilots to organize a day of glider-watching.
Para-Man Sails Past
Para-Man over there sniffs the sea breeze. Direction is good, strength good. Turning, he starts to inflate his paraglider. Up and up, billowing full and tight, like an enormous kite. Its overhead, hovering like a shiny spaceship. Slowly he turns underneath, checks the wing once again and takes a few purposeful steps into the breeze. A moment later, gaining height slowly, he flies away from the grassy ground. With a gentle pull on a brake toggle he turns, following the slope.
Getting ever smaller in the distance, he joins a few stray gulls enjoying the salty air with him. A while later, here he comes again, sailing right on past with the soft hiss of his lines straining the air, the dead-smooth ocean breeze. An hour later, he decides to return. Briefly, he guides the chute-like craft downwind and then turns back, smoothly dropping out of the sky. About to land, Para-Man instinctively pressures down the brake toggle in each hand. Like a swan on the local pond, he lands not far from us, takes a couple of steps and waits for the colorful canopy to deflate to the ground behind him. Para-Man is back.
Hangy-Man Spirals Away
Hangy-Man has finished rigging his machine. The hang glider looks awkward on the ground, one wing down. Every taut panel deflects some of the gentle summer breeze wafting up the mountainside from the valley below. Hangy-Man double-checks the rigging, clips himself under the attachment-point and picks up the craft easily. Harnessed up with wings outstretched he strides to the launch spot. Minutes pass.
Now the moment is right. Hanglider and man depart at a good swift running pace. Bar in a little, he picks up speed and moves straight out across the valley, brown earth dropping away below. Legs and torso tuck away into the pod harness, man becomes bird. Losing height ever so slowly. And still going down.. but wait… A bump. Another bump, and the audio-vario exclaims deeeee deeee dee dee dee! as Hangy-Man cranks his weight to the right. That sinking feeling now, followed by a surge and more happy variometer song. Stop the turn, waaaaaiiiit for more lift, then the obedient wing cranks over again. Spiraling upwards now, another hang-glider is closing fast, wanting some of the action.
We have driven ahead to the local landing field, waiting until Hangy-Man has had his fill of local soaring. Shading our eyes from the late-afternoon sun, we see him on approach. Getting low, he gently pushes out the bar, skimming the ground and slowing to jogging pace as the nose rises high. As if pointing longingly to the sky from whence it came. Hes down, and Hangy-Mans Bird is machine once more.
Glider-Girl Hurled Into The Sky
Glider-Girl runs through her checks, in charge of the launch from the perspex covered cockpit. The glistening white aeronautical marvel is poised on the hard dirt strip. Thumbs-up she signals to the wing-runner, the towline takes in slack. As it tightens, girl and glider seem to move tentatively, but soon gather pace rapidly as the wing-man lets go of the wing tip and the glider surges off the ground.
Smoothly, Glider-Girl allows airspeed to build before nosing high, high into the cool winter air. The sailplane climbs like a fighter jet, high-tensile cable reeling in quickly to the V8-powered winch exerting itself far below. Finally, she lowers the nose, pulls the release and the cable is gone with a jolt. Girl and glider fly in silence, covering ground so effortlessly compared to those other more flimsy craft.
But it is winter, even a sailplane must soon land, if it has no rising air to frolic in. 900 feet above ground, Glider-Girl runs through another checklist and joins circuit. Flaps set, undercarriage down.. the familiar pre-landing routine. We see her flying the cross-wind leg of her circuit, now turning gracefully onto final approach, a slight curve in those magnificent long slender wings. Glider-Girl pops the airbrakes halfway out.
Getting closer but still a little high, she rotates the brakes out some more, they claw at the breeze over the wing. Its a delicate job, a coordinated dance of stick, rudder pedals and airbrake lever, but she does it well. She floats over the runway threshold, gently lowering the heavy machines main wheel to the dirt strip. A few small rattles as the tail wheel contacts at almost the same time, now slowing, now dragging a wing tip in the dirt as the craft slows below flying speed. We walk out to meet her, and help to push the machine back. Like a pelican, it seems so clumsy on the ground after such a display of grace in the air.
In Conclusion
Why not make a phone call or two so your family can see your local Para-Man, Hangy-Man or Glider-Girl for yourself! And perhaps dream about flying as they do.
Tim Parish
Tim Parish is a motorless flight enthusiast, the webmaster of Paragliding Tales and Reviews, a site which will introduce you to many aspects of paragliding, with a sprinkling of humor.


text: Spots: Subaru Published on April 14, 2003. Subaru of America' s new spokesman is champion cyclist Lance Armstrong, who makes his debut this week in ads from Interpublic Group of Cos.' Temerlin McClain, Dallas. Art Director: Becca Morton-Art. Copywriter: Gage Clegg. See the spot at AdAge.com QwikFIND aao56w Most Popular In this article: News


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In the 1970's our cousin, Skip was a Jesuit brother working in Africa. His mission was a village in Zambia. This village was very poor and the needs of the people great.
Once when Skip was home for a visit we asked what we could do to help. He shared his dream with us and we were thrilled to join in the that dream. The "Mud Hut Project" started at that time. The people of this village lived in mud huts, very unsafe, unsanitary, and very fragile (the huts had to be rebuilt after every substantial rain). It would have been easy for us to give and collect money for this, but Skip wanted the people to feel a part of the project and contribute to making it happen. He suggested a clothing drive. They could sell the clothes and use the money to buy bricks and build new homes.
So we collected clothing. I am not talking cleaning our closets and asking friends and neighbors to do the same - no... this collecting was on a grand scale. We collected, crated, and shipped tons of clothing. Skip and the people of this village worked very hard, sold the clothes, got the bricks and built the houses.
To thank us, the next time Skip came home, he brought us gifts from his African friends... lots of ivory beads, ivory carvings, and batiks. Skip said the ivory was very old - had been in that village for generation. These gifts were shared with many of our friends who worked so hard to make Skip's dream for these people a reality.
Skip had to leave Africa due to malaria - episodes were coming more frequently adn harshly adn his health was in danger.
He went to work in a homeless men's shelter in downtown Los Angeles. He once told me he saw more sadness, hopelessness, cruelty and sickness there that he ever saw in Africa.
Judy asked me to create something with the ivory...
.... I made her a beautiful chaplet with a handcast vintage crucifix.


text:
Ok – I love to read to the point where I won't leave the house without a book in my bag and I love bookshelves (I have always wanted a wall to ceiling shelf with a ladder) – so imagine my delight when I discovered BOOKSHELF PORN (care of little happy things blog - check out her blog and etsy store also - really cute papers and tapes!)
Some seriously cool ideas for any and all homes. Enjoy the but small selection of porn below!
(via apartment therapy)
(via prettybooks)
(via lovegeneration)
(via lovegeneration)


text:
Nassau County Executive Edward P. Mangano and Suffolk County Executive Steven Bellone today welcomed United States Housing and Urban Development (HUD) Secretary Shaun Donovan to Long Island. Secretary Donovan serves as the Obama Administration's chair of the Hurricane Sandy Rebuilding Task Force and took the opportunity today to meet with local stakeholders, following a tour of storm damaged communities, to discuss the issues facing businesses, housing, infrastructure, health and human welfare Post-Hurricane Sandy.
County Executive Mangano stated, "Secretary Donovan's pledge to support the County during the aftermath of Hurricane Sandy is critical as the Federal government is our partner in rebuilding Nassau. The County requires assistance in securing $6.6 billion in Federal funds for municipalities that were catastrophically impacted by Hurricane Sandy. Nassau County has made great progress toward recovery, however, major concerns remain. Thousands of residents require housing assistance to rebuild their homes. Seniors, young families and countless numbers of residents are facing financial gaps due to no insurance or underinsurance. Enormous infrastructure repairs must still be made to bridges, roadways and a critical sewage treatment facility that serves Nassau's 1.3 million residents. With experts predicting a decline sales tax revenues, municipalities will soon face a cash-crunch if proper Federal reimbursements do not trickle down to the State and local governments for costs incurred during storm preparation, cleanup and recovery. I thank President Obama, Governor Cuomo, New York's Congressional delegation and Secretary Donovan for their leadership in helping Long Islander's rebuild their lives and our communities."
"I thank President Obama for tapping Secretary Donovan to serve as chair of the Hurricane Sandy Rebuilding Task Force," said County Executive Bellone. "Secretary Donavan is the perfect choice as he has familiarity with the New York area as well as particular expertise in sustainable building. Our meeting and tour was very productive and we discussed particular issues relevant to homeowners and businesses in Suffolk and Nassau Counties. I look forward to a continued working relationship as Suffolk County looks to rebuild with the assistance and resources of the Federal government."
"The Obama Administration is committed to the critical task of recovery in all communities impacted by Hurricane Sandy," said HUD Secretary Donovan. "To do that, we need a local vision for recovery that supports economic growth and sustainability for decades to come. Together, with the leadership of officials like Nassau County Executive Mangano and Suffolk County Executive Bellone, we will develop a comprehensive plan and will rebuild stronger, smarter and more resiliently."
Kevin Law, President and CEO of the Long Island Association added, "The Long Island Association thanks HUD Secretary Donovan for coming to our region as we try to recover from Hurricane Sandy. We have been working with County Executives Mangano and Bellone to ensure our communities and small businesses can rebuild stronger and smarter and we cannot do that without federal assistance."


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Serve inCoupe...
|fl oz
|Bacardi Carta Blanca Superior White Rum (37.5%)
|fl oz
|Coconut water
|fl oz
|Pedro Ximénez sherry
|fl oz
|Freshly squeezed lime juice
|Sugar syrup (2 sugar to 1 water)
|Bob's Chocolate Bitters
How to make:
THROW all ingredients with ice and strain into chilled glass.
Coconut dust on the side of the glass. Lime peel.
"Travelling is part of the history of the Bacardí family, part of the golden age of Cuban cocktails and it was my main motivation to start bartending. Another traveller, the coconut, is able to travel across seas and oceans to settle down in a new land. A traveller - El Viajero - not only moves from A to B, but learns and explores new things, meeting old and making new friends and widening his horizons."
Hungarian BACARDÍ LEGACY 2016 winning cocktail by Norbert Schök, Four Seasons Gresham Palace - Kollázs, Budapest.
When straining a shaken drink, a Hawthorn strainer tends to be used, but when straining a stirred drink it is traditional to use a Julep strainer. Both designs of strainer allow...
Bacardi Superior is the original 'light white' rum, first made in 1862 by Don Facundo Bacardi Massó. It is a blend of heavy-bodied and drier light-bodied
For many years the preserve only of the Bacardi family, Bacardi 8-Year-Old was first released with a sherry oak finish, as a very limited edition, in 1995


text: This is an abstract, low poly, YouTube channel art. It has a nice blue touch and feel to it with some other highter conrast colors and shades. Looks modern and cool, if you ask me and should do on any channel type. Give it a download and check it out in full quality, if you like it then you can have it and use it free of charge. Enjoy!


text:
Saturday, June 6, 2009
6 comments:
What a beautiful snapshot of you, I assume holding your son. I want to thank you for your visit.ReplyDelete
I enlarged the photo of the temple, I see birds also like it, they are sitting on the top of the temple.
A Dental Surgeon, I would think that work isn't a lot of fun.
@Patty.....thankyou...you are very generous....how about spending a day with me in my workplace?ReplyDelete
Great photo, Kavita. Thanks for sharing a part of your world.ReplyDelete
18th centure??? baapre..ReplyDelete
@Ramesh..some parts of temple were destroyed in a devastating earthquake...some portions were rebuilt by devotees.ReplyDelete
Beautiful temple right in the centre; with lots of coconut trees in the background and tiny birds adding to the beauty of the surroundings.ReplyDelete
I can only say that it's a nice piece of photography :)


text:
Manly Dolphins Swim School
Learn to swim with us in hydrotherapy pools at Aquatic Drive, Allambie Heights (Sunday mornings and afternoons) and Fisher Road, Dee Why (Wednesday after school and Saturday afternoons) - all ages, all abilities welcome
Places currently available
T:0449 676 101 E:firstname.lastname@example.com
Manly Dolphins Swim School is located in heated indoor hydrotherapy pool facilities at Allambie Heights and Dee Why, Northern Beaches. Our pools and facilities are warm, bright and clean, with comfortable spectator areas and onsite parking for really easy access.
Professional, personalised swimming lessons from highly experienced instructors.
Parent testimonials from our facebook page:
"Absolutely recommend Manly Dolphins Swim School for swimming lessons. My son has more water confidence and improving every lesson with Chris"
28 August 2016
"Chris is a brill swimming teacher! He is very patient with our son Luis & in the last 2 lessons he has already helped him with his breathing techniques putting his head under the water & improving his confidence as a swimmer with lots of encouragement.
Go Manly Dolphins! Tara & Adrian x"
Go Manly Dolphins! Tara & Adrian x"
28 August 2016
"Flynn has only been going for a couple of weeks and his confidence has increased unbelievably and with that his ability. He is swimming the furthest he has ever swum and best of all is really enjoying it"
21 August 2016
Tel: 0449 676 101
Like us and follow us on Facebook for news and water safety information - regularly updated


text:
Installing a bike rack in your apartment or house might seem like a major job that'll be far too much work to consider, but the Cactus Tongue UNI Bike Mount is designed to be easily affixed to any wall in your dwelling. The minimalistic design of the Cactus Tongue UNI Bike Mount distributes the weight of your bicycle evenly across the two supports to ensure that it doesn't create a weak spot.
The Cactus Tongue UNI Bike Mount is crafted from Zintec steel, which makes it suitable for outdoor usage; simply install it on an exterior wall and you're good to go.
One of the best features of the Cactus Tongue UNI Bike Mount is that it features holds for locking your ride to it, so even if it's outside you'll be able to keep it secure.
Easy Installation Bike Racks
More Stats +/-
Minimalist Wooden Bicycle Racks
Cardboard Cargo Carriers
Artistic Bike Racks
Stylish Bicycle Racks
Bent Lumber Bicycle Ledges
The Cactus Tongue UNI Bike Mount is a No-Fuss Way to Store Your Ride
- By: Michael HemsworthNov 4, 2015
References: fancy.to & thegadgetflow
References: fancy.to & thegadgetflow


text:
This party stylist's home has California cool on lockdown. And if you saw her business partner's abode earlier than you know this space is guaranteed to be fab. Designed by Natalie Myers Of Veneer Designs, it's filled with gorgeous pattern and some of the most glorious rugs we've ever spied. In a nutshell, it's a bohemian textile haven. See the full tour captured by Amy Bartlam right here!
The home started out as your typical over the top outdated travertine, granite, and beige construction. The task of turning it into something that felt as young and edgy as Lisa and her family seemed daunting, but we broke it down room by room and before we new it we had something very special happening.
We couldn't feasibly change the flooring and her husband was suspicious of a major remodeling after the major home purchase so we had to be mindful of what we changed and how to hide the things we couldn't.
The transformative magic of paint is very clear here for brightening and lightening up the overall feel of the space with specific lighting and streamlined furniture to give the home a chic look. My signature mix of modern furniture pieces with ethnic textiles and organic textures came together to create this California cool home.
The living room is pretty rock and roll with a large grey wall hanging, sling arm chairs layered with sheepskin throws, brassy coffee table and marble side table from West Elm, and a fabulous white linen sofa from Clad Home. The dark vintage turkish rugs ground the arrangement and give the sofa and tables a chance to dramatically pop.
In the kitchen we painted the cabinets Benjamin Moore Valley Forge Tan, along with a new countertop and backsplash, and designers' favorite Lewis Dolin bar pulls in polished brass.
Lisa had always dreamed of a banquette and I knew the Serena and Lily bench was a beautiful way to tie the tones of her kitchen to the casual chic vibe of the house. With white and oak Prouve type dining chairs and a Saarinen oval table, we were set.
The adjacent den has a super large sectional and Lulu and Georgia poufs for extra comfortable family lounging over a ethnic inspired rug and an awesome gallery wall assembled by Marisa (House #1)
The dining room came together simply with an extra long 11' dining table for the two families to gather weekly, the buffet from HD Buttercup, and two CB2 rugs layered to create one large area rug that covers the existing floor.
The leather schoolhouse chairs from Rejuvenation give it a rustic casual comfort and the brass chandelier provides a touch of glamour along with the Kelly Wearstler sconces.
The game room was challenging to say the least. We didn't really know what to do with that room since they didn't need a home office or another bedroom or another den. I knew I wanted to paint every surface Benjamin Moore Soot and hang a brass sputnick light but beyond that it was a big question mark.
We tried it as a salon configuration, then more of a sports bar with a pub table and all, and finally settled on a game room with a built in bar. Its actually a big hit and all of their visitors love spending time in that room. The leather chairs are from Pottery barn, the game table from Wayfair, and the Sputnick from Lucent light shop.


text: www.consumerreports.org September 15, 2014 Your child might be taking an ADHD drug he doesn't needToo many children are diagnosed with ADHD, Consumer Reports says. Find out why many kids may be given drugs that they don't need. Read the article on Consumerreports Dr. Sears Comments: A simple blood test like the AA/EPA ratio can also help diagnose children. If the ratio is high, then the first "drug" to use is high-dose fish oil before thinking about traditional drugs.Leave a Reply Cancel replyYour email address will not be published. Required fields are marked *CommentName * Email * Website < Prev | Next >


text:
The Gospel According to Manuel
Besotted by the beauty of music, world-renowned guitarist Manuel Barrueco is on a mission. "My ideal," he says, "is to play every note in a way that there's no other way to play it."
By Dale Keiger
Photos by Stephen Spartana
On the stage of Peabody Conservatory's Griswold Hall, a young man named Nathan Fisher cradles a guitar. He has just played a piece by the Spanish composer Joaqu&iacuate;n Rodrigo, having come to Baltimore from New York for the annual master class conducted by Manuel Barrueco. Barrueco, one of the world's great classical guitarists, now gazes at Fisher for a moment, not unkindly, and asks of his performance, "Are you happy?"
"Yeah," Fisher replies.
The student does not miss Barrueco's bemused look. With less conviction, he again says, "Yeah."
"Play the first two notes as if they were the whole piece."
Fisher isn't quite sure what to make of this instruction, but he does his best. Barrueco then has him play only the first note. And again: just the first note. He asks him for the musical idea behind that first note. Musical idea? It's the first note. Until this moment, Fisher probably has thought of the first note as little more than where you start if you want to get to the second note. Such thinking is not Barrueco's way. "Playing well is playing each note with character," he says. "Your first note doesn't have character."
The idea of playing a single note as if it were the entire composition, as if everything were riding on it, is a fair epitome of Barrueco the guitarist. He is a meticulous artist besotted by the beauty of the guitar. He's also driven by a sense of obligation. Guitarists do not have the best reputation for musicianship among classical musicians and conductors. Barrueco is on a mission to change that. Study the guitar with him, and you will learn a gospel. Play only great music: "I'd rather go to a piano concert than sit through a concert of third-rate guitar music." Never stop thinking: "Anything that you play just by feel, you can't trust. When I hear something in a certain way, I ask my heart if it feels it, and my head if it understands it." Strive for perfection: "I have never heard a beautiful mistake." And each note, including the first, is a reservoir of beauty and meaning: "My ideal is to play every note in a way that feels as if there's no other way to play it."
Paul Moeller has studied full time with Barrueco for four years and says, "He's relentless. That can be annoying, but it's also what you love about him."
Among the practitioners of the art there tends to be a short list of the world's great guitarists. John Williams. David Russell. Pepe Romero. The Assad brothers. Barrueco. Players make distinctions that befit their refined ears and sensibilities: Williams has remarkable consistency. Russell plays with a unique sweetness of tone. Romero has the technique. Sergio and Odair Assad bring fire to the stage. And Barrueco ... he's the one who marries precise technique with deep musical knowledge and sensuous expressiveness.
At age 48, he is working hard. He has issued 16 recordings in 14 years. He averages more than one performance per week. For concerts in the first half of this year alone he traveled to Spain, Germany, California, back to Spain, Mexico, Philadelphia, London, Michigan, the District of Columbia, Italy, Illinois, back to Mexico, Kansas, San Francisco, Greece, back to Germany, back to Spain, Delaware, Baltimore, New York, back to Delaware, Japan, Korea, and Chicago. Still ahead were Denmark, Spain, Costa Rica, Italy, Holland, and more than a dozen U.S. cities. He teaches full time at Peabody and practices three or four hours a day, which doesn't sound laborious unless you've actually tried it. He says he can't imagine not playing. He also concedes that he dreams of no longer having to. "It's a stressful job," he says, "and I don't do it gracefully. I suffer with it." Franco Platino, who moved to Baltimore from Sardinia to study with him, says, "You have to be a little crazy to commit to this kind of life."
Barrueco has been hooked on guitar since he was an 8-year-old in Santiago de Cuba. As an adolescent he once rebelled and refused to play for more than a year. But he came back. He says, "You don't choose what you fall in love with."
|"How can we play without mistakes? It certainly doesn't happen by closing our eyes and hoping everything lands in the right place."
From all over the globe, people who have fallen in love with
guitar apply for admission to Barrueco's master class. He
invites about 15 to participate as players. Some are
teen-agers, some are young adults with conservatory
training. Over five days, each one performs twice for
Barrueco and an audience. He listens, then takes them phrase
by phrase, measure by measure, note by note through their
performances, probing with questions, suggesting better
technique, reviewing their interpretation, heightening their
awareness of what it means to be a musician. Another 20 or
so people attend as auditors, watching and listening and
taking notes.
Among the players this year: Finbarr Malarfonte from England. Hande Yorulmaz from Turkey by way of Chicago, where she now lives. Piotr Zielinski from Poland. Simone Onnis from Italy. Max Zuckerman from San Francisco. Max is a 15-year-old with spiky hair and baggy jeans. While the others perform he likes to draw battleships and airplanes in his notebook; the sketches are not bad. Finbarr is 15 as well, a modest, likable kid with a complexion so peaches-and-cream he has to be English. He met Barrueco when the guitarist played in Bath some years ago. Recalls Barrueco, "The organizers told me he was my biggest fan. He was so shy, he couldn't look me in the eye." When his mother and father learned that Finbarr could participate in the master class, they dropped what they were doing, made some hurried arrangements, and all three flew to Baltimore. Patricia, the mother, likes it here: "I don't want to go home." Is her son happy to be receiving instruction from Barrueco? "He's over the moon."
|Says Hande Yorulmaz, of Turkey (right), "Of course I feel nervous playing in front of him. But I know he's going to teach me something."
The guitar seduces you. If you take up the trumpet or
clarinet or violin, weeks if not months will drag past
before you get out of it anything resembling music. But the
first time you pick up a guitar, by placing three left
fingertips close together at the first two frets, then
pulling your right thumb across the strings, you can play an
E Major chord and it will sound beautiful, at least to you.
Learn a simple three-chord progression and you'll be on your
way to what rock star Gregg Allman once called "the fever."
You may never go very far with it, or you may find your way
to the classical repertory and become hooked on the music of
Bach, Giuliani, Rodrigo, Sor, Torroba, Barrios, and Brouwer.
Then your challenges begin. This is music that demands
At Barrueco's class, every student who takes the stage already can play. That's what got them invited. What Barrueco gives them is a taste of what mastery means, and what it will demand of them. He delivers to Nathan Fisher that little lecture on the importance of the first note. He watches a player's right hand and points out that the flesh of his right fingertips is striking the strings a fraction of a second before the fingernails, causing a loss of control. With Barrueco, control is everything. "How can we play without mistakes?" he asks. "It certainly doesn't happen by closing our eyes and hoping everything lands in the right place." Many of the students are nervous when they play, and begin to rush. Barrueco tells them, "Never play faster than you can think." He works on their minds as much as their hands. He tells them again and again in many different ways that for the hands to express the heart, the brain must be fully engaged.
He tends to break things down into component parts. A common refrain: "There are only five things that can shape a sound. One is time--when we play the notes. Another is dynamics, how loud we play a note. There's the color that we give the note. Another thing is articulation, how long or short we play the note. The last is vibrato." He dissects practicing, asking, Do you practice scales? Do you practice vibrato? Do you separate the hands, practicing only what the right must do, then the left? Slow down, he tells the students, until you can play it without mistakes. And always sing.
That word comes up over and over and over. Make the guitar sing. To play well, sing the melody, literally sing it with your voice, to form a musical idea, then take that idea and sing through your hands on the strings. "I don't hear you singing." "Trills--we have to sing those also." "Sing each note." "You can't just push or pull notes mechanically. It has to sing."
Bravely, the students struggle to learn, and to please. Hande Yorulmaz began playing 13 years ago, at age 11 in her native Istanbul. Now she wants to come to Baltimore for a year to study with Barrueco. "Of course I feel nervous playing in front of him," she says, talking over lunch at a café near Peabody. "But I know he's going to teach me something." This is her second straight year in the master class. "He makes me aware of my abilities. If you ask him, he may say he did nothing, but he did. He gave me confidence. I know I have a lot of technical and musical problems. But I know I can ... you say ... come over? Overcome." She pauses, sipping her coffee. "He thinks so much, I think."
Barrueco shares an expansive house in suburban Baltimore with his companion, Asgerdur Sigurdardottir. She is Icelandic and a guitarist herself. They met at a classical guitar festival in Helsinki, and she works with him now as publicist, manager, tour companion, and overall minder, trying to keep him on schedule, which can be a challenge. He likes to talk, likes to linger, likes to walk at a relaxed pace. She is the more brisk of the two. "Sometimes I'm like a little dog, walking circles around him," she says.
Behind the house is a two-level wooden deck overlooking a swimming pool. Under a motorized awning ("Asgerdur likes gadgets"), Barrueco sips cappuccino, smokes slender Macanudo cigars, and talks about his 40-year love affair with the guitar.
As a small boy in Cuba, he listened as his sisters played. When he first picked up the instrument, at the beginning of the '60s and the Castro regime, he learned Latin American popular songs. "My parents tell me that a teacher told them I had talent and should get a teacher who could teach me classically." His parents followed that advice, finding an instructor who began teaching him one classical piece for every three pop tunes. Over time the ratio changed, until at around age 10 young Manuel was studying the classical repertory full time at the Esteban Salas Conservatory. He was smitten. "I dreamed about the guitar. I practically lived at the conservatory."
An uncle by marriage owned a grocery distribution company and employed Manuel's father, also named Manuel, as treasurer. After Fidel Castro came to power in 1959, the company was nationalized, and when the senior Manuel applied to leave Cuba with his family around 1962 or '63, he was no longer allowed to work. It took the Barruecos more than four years to secure permission to leave the island. The family subsisted during those years by borrowing money and selling possessions, including a collection of gold coins left by young Manuel's grandfather. An aunt and uncle bought meat without authorization and were confined to house arrest after the neighborhood Committee for the Defense of the Revolution turned them in. Manuel felt like an outcast in school, ostracized and unattractive. He was light-skinned, with freckles, a former private-school kid of the segment of society that was leaving Cuba. Darker children in the more integrated nationalized schools teased him, calling him "milk bottle" and "sesame cracker." Only when he played guitar, he says, did he feel accepted and desirable.
When the Barruecos finally made it out in 1967, Manuel was 14. "Leaving was probably the most painful experience I've had in my life, comparable only to breaking up a family." Emigration did break up the family; during the long wait for permission to leave, Manuel's sister Miriam fell in love with a man and elected to stay behind. It would be 18 years before Manuel saw her again. The family had to abandon all its possessions, including Manuel's guitar. He had heard only bad things about the States in the Cuban press. "I was petrified to come to the U.S. It sounds absurd, but I really was afraid that as soon as I walked off the plane, there would be someone there shooting at us. I remember landing in Miami and seeing more cars in the parking lot than I'd ever seen in my life. I remember going into a grocery store and seeing 20 different kinds of bread, and no lines to buy them."
In Miami, Barrueco borrowed a guitar and began study with Juan Mercadal, the head of the guitar department at the University of Miami. "He was one of the most famous Cuban guitarists. He was a name I'd heard all of my life, but I had never met him. When he heard me, he took it upon himself to teach me. He would come to my house and take me to his house, and he never charged a cent for any of that."
Then, after only a year in Florida, the family moved to Newark, New Jersey, where Manuel's father foresaw greater opportunity. Barrueco was miserable. In Miami there had been a supportive, burgeoning Cuban population. In Newark, Barrueco remembers, the black and Italian kids were fighting in school, there were few Cubans in his neighborhood, and he struggled with his halting English, "getting up in front of a class and reading Shakespeare and not knowing what one word meant, and having everyone laugh at me." In adolescent revolt against all that seemed to have conspired against him, he refused to play guitar for more than a year.
Yet when it came time to think about college, he chose to go where he could study music. He had applied to Peabody, then decided not to pursue it because he didn't have any money and didn't understand about financial aid. "In my ignorance, really, not knowing how things worked here, I had decided not to come to the audition." But Mercadal and others had written letters of recommendation so laudatory that Aaron Shearer, the founder of Peabody's guitar program, told him to come down and audition anyway.
|Barrueco had heard only bad things about the States in the Cuban press. "I was petrified to come to the U.S. It sounds absurd, but I really was afraid that as soon as I walked off the plane, there would be someone there shooting at us."
Shearer, now 82, recalls the audition: "Manuel was such a
sweet young man. He played the Bach Chaconne, and it
was so rough, with so many wrong notes. I said, 'Manuel,
what do you want me to do?' He said, 'Tell me what you
think.' I said, 'Play through it again please.' So he played
a few measures and missed a note or two. My finger went up
and I said, 'Is that what Bach wrote? Did you really want to
play it that way?' He was so disturbed that after he played
it again he got up and put his guitar in the case and said,
'I don't want to play for you anymore.' I saw him to the
door and wished him the best. Two weeks passed. The phone
rang, and my wife said, 'It's someone named Barrueco.' He
said, 'Mr. Shearer, I want to come and work with you. You're
the first one who really challenged me. I want to come.'"
Shearer told him, "If they don't have a scholarship for you,
I'll pay for you to come."
As it worked out, Shearer only had to pay $200, Barrueco's dorm fee for the first year. Peabody paid the rest, and in his sophomore year Barrueco became the first guitarist ever granted a full scholarship by the conservatory. He concedes that in the beginning he was an awful student. "I didn't have any money," he recalls, "but what I did have, I spent in the bar across the street." In those days, art students from the Maryland Institute, College of Art were housed at Peabody, and Barrueco spent a lot of less-than-sober time with them. He also spent a lot of time clashing with his teacher. The analytical Shearer had broken down guitar technique into what he felt were its constituent elements-- this may sound familiar--and created a method that thousands of students around the country eventually studied through a series of instructional books. Barrueco recalls, "He tried to break down every movement and explain it anatomically: how we should use our bodies, our hands, to play the guitar. This was just what I needed." But Shearer also had pronounced views on the guitar's sound, views not shared by his star pupil. "To me, it was too purely intellectual," Barrueco recalls. "It was a pretty raucous relationship. We had a lot of fights. But he forced me to think. As much as we fought, if I had to do it again, I'd go to him." He pauses, then smiles. "And we'd fight."
Despite the time he spent hanging out with woozy art students and battling Shearer, Barrueco progressed as a player. He became the first guitarist to win the Concert Artists Guild award, which entitled him to a recital at Carnegie Hall. Subsequent to Peabody, he began building a recording and concert career, married, and fathered two daughters. (He is divorced; his eldest offspring is a psychology major at Hopkins.) His reputation grew. Reviewers lavished praise on his recordings and performances: "A major artist with remarkable musicianship and a world of technique ..." "... aristocrat of the guitar" "... a musician of utter taste and intelligence" "... the undisputed crown prince of the present guitar dynasty" "... simply and consistently awesome."
Shearer remembers attending the Carnegie Hall recital: "I saw a Latin gentleman start toward me through the crowd. He held his arms out and I said, 'I bet you're Manuel's father.' He said, 'Yes I am, and Mr. Shearer, I want you to know that I understand what you're going through.'"
On the fourth day of the master class, there's a lovely episode. An Italian named Simone Onnis has just performed, and Barrueco, as always, wants the guitarist's playing to sing more. But his Italian is limited, and Onnis's English is all but non-existent. Barrueco has him begin playing again. The piece is titled Una Limosna Por El Amor De Dios, by Paraguayan composer Agustin Barrios-Mangore. As Onnis plays, Barrueco begins to sing what he wants to hear, conducting and shaping the notes with his hands. The student tries to mimic on the guitar what he hears in Barrueco's voice and sees in his gestures. Each time he gets it right Barrueco points and raises his eyebrows and keeps singing. It's like watching a dance. In the audience, Hande Yorulmaz can't help but sing, too.
Barrueco is an amiable, self-effacing instructor who seems to have mastered the ability to be direct without being discouraging. His longtime students tell stories. Franco Platino recalls once having played some Bach for him. "He said, 'It's really clear you have no idea what you're doing.' In a way, it was depressing for me, but it was OK." Says Paul Moeller, "As a student, you want to be told how good something is. Manuel doesn't take a lot of time with that. All through your career you have people who blow smoke up your ass. That's not what you need."
Barrueco could easily intimidate the younger, less experienced players at his master class, but he puts them at ease by telling stories of his own shortcomings, and by being honest. In one of his lectures about how to practice, he recommends a specific scale. Then he admits he doesn't practice it himself. "Why don't I do it ... I ... I don't know."
Working on stage with student David Brierwood, Barrueco asks, "Am I losing you?"
"Well, I'm losing myself."
Gently but relentlessly, Barrueco chides them for failing to count properly, or for taking liberties with what the composer has written, or for being lazy with a tricky passage. It is all part of his campaign to bring guitar musicianship up to the standard of other orchestral instruments.
|"It's always easier to play without a beat. But we must always count, always count. Always. Always. Always. Always."
Barrueco is concerned about the guitar's problematic
reputation with modern conductors: "They expect a bit of a
mess. A real mess. I have had conductors hear me play and
say, 'Oh my God, a guitarist who can count!' Or, 'Oh my God,
a guitarist who can play the notes!'" He concedes that much
of the bad reputation has been earned. Too many guitarists
have not held themselves to high standards. How this
happened involves some peculiar history.
Antonio Stradivari, the Cremonese violin maker, also made guitars. Niccol� Paganini played the guitar and wrote lots of guitar music. He enjoyed composing for a string quartet in which guitar replaced one of the violins. During times when Franz Schubert couldn't afford a piano, he composed on the guitar. It was not an obscure instrument. Yet great composers, for the most part, did not create either orchestral or chamber pieces for it until the 20th century. "Guitar is extremely hard to write for," Barrueco says. "It can do a little of a lot of things, and not a lot of any one thing." Unlike a violinist or cellist or wind player, a guitarist cannot sustain a note. Compose for the piano and you can write simultaneous melody and accompaniment, one for each hand; that doesn't work on guitar. With six strings to cover but only four fingers on the left hand, a guitarist must depend on open strings. This means on a standard-tuned guitar only certain keys work well.
So violin and piano amassed a trove of compositions, and much of what accumulated in guitar literature was only for solo performance. This has led to what Barrueco calls a guitar ghetto: "Guitarists playing for other guitarists music that was written by guitarists and reviewed in a guitar magazine." And in his view, too many guitarists, working in their own little world, have not disciplined themselves to rise to the same performance standard as other classical musicians.
Barrueco does not want to settle for this second-tier status. So in his master classes, he drills the students on rhythm: "It's always easier to play without a beat. But one thing we can never do is lose track of time. We must always count, always count. Always, always, always, always." On sound: "Watch the tone. Watch the tone. Never forget about sound." On their choice of repertory: "There's a lot of modern music written by guitarists, and it makes too much use of tricks. What I want to play is great music. I'm too old for this stuff. I'm sorry ... I say too much what I think."
|Barrueco's campaign: to bring guitar musicianship up to the standard of other orchestral instruments.
Barrueco loves to play, but on a pair of occasions when he's
been injured, he's consoled himself with the thought that
perhaps now he'd be freed from practicing and touring and
facing his nerves before every performance. Before a recent
appearance with the Peabody Symphony in New York's Alice
Tully Hall, he appeared backstage, saying, "I tell you,
there has to be an easier way to make a living. Right about
now, flipping burgers doesn't look quite so bad. Who needs
two cars anyway?" He laughed, adjusted his shirt cuffs, then
said, "Don't mind me. I'm using you to work off my
He maintains his strenuous touring schedule. "When we've been at home for a while, we start to get edgy," Sigurdardottir says. "We want to go. When we're on tour, after 10 days or two weeks we want to be home." Touring may soothe restlessness, but it entails long flights and lost baggage and having to perform at venues with awful acoustics (Italian movie theaters, for example). Traveling with a guitar is a headache. Before a flight to Hawaii one time he watched it drop to the tarmac from the top of a baggage conveyor pulled up to a 747. (It survived.) Another time, his guitar came around the luggage carousel with a piece of wood jutting from the zippered outer case. (Again, the guitar was fine.)
Though his schedule may suggest otherwise, Barrueco has learned that he has to pace himself. He has twice injured his hands. More than 15 years ago, during a recording session, "suddenly I couldn't feel my thumb. I couldn't control it. I would tell it to play the fourth string and it would play the fifth." For months he had to severely limit his practice time; the thumb came back, but he remains afraid the problem will return. Another overuse injury, to his left little finger, took three years to get over.
During his recent master class, someone asked, "What inspires you to do what you do?"
Barrueco replied, "My mortgage." But he also told a story, about when he was younger and played Rodrigo's Concerto de Aranjuez with an orchestra in New Jersey. He messed it up and afterward felt blocked, like he couldn't find a way to play the piece properly. So he called the great guitarist Pepe Romero and asked him what to do. "Pepe said to just enjoy it. 'You've got a beautiful piece, an orchestra, a crowd ... enjoy it!' And damn if that didn't work."
So there were more than 25 Barrueco concerts booked for the nine months after the master class, with more to come. And a new crop of students about to enter Peabody, awaiting the chance to absorb his perfectionist's credo. And protégés who have their own careers in progress but still seek his guidance. "I don't think he's done teaching me," Franco Platino said one day. "If you see him, tell him that."
Dale Keiger is a senior writer for the magazine.
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Richard "Ricky" Diggs was introduced yesterday as the 15th head football coach at Morgan State University, which went outside its football family and even the family of historically black colleges to get its man.
"We conducted a national search for the best man, and now this commitment will assure our dream becoming a reality," said athletic director Leonard Braxton.
"Simply, we are in pursuit of a tradition we once had -- a tradition that brought success in the classroom and on the playing field. There was pride and a sense of belonging.


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FIND YOUR HOME IN Lees Summit
Lees Summit 64065 Real Estate
Lees Summit is located in Missouri. Lees Summit, Missouri 64065has a population of 84. Lees Summit 64065 is more family-centric than the surrounding county with 33.33% of the households containing married families with children. The county average for households married with children is 28.07%.
The median household income in Lees Summit, Missouri 64065 is $35,625. The median household income for the surrounding county is $46,917 compared to the national median of $53,482. The median age of people living in Lees Summit 64065 is 22.9 years.
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The average high temperature in July is 88.2 degrees, with an average low temperature in January of 19.9 degrees. The average rainfall is approximately 42.1 inches per year, with 12.2 inches of snow per year.
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Kya Haal Mr. Paanchal 2nd October 2017 Written Episode Update: Kanhaiya tensed with wives role reversal
Kya Haal Mr. Paanchal 2nd October 2017 Written Episode, Written Update on TellyUpdates.com
The Episode starts with Kunti calling Kanhaiya and asking him to come home. Pratap takes the call and tells him that Kunti's cricket team wants to play football. Kanhaiya goes home. Prathana comes in Prema's avatar and romances with Kanhaiya. He gets surprised seeing her. Panjiri comes in Pari's avatar and takes selfie with him. She updates the status and says she knows the spelling. Prema comes in Prathana's avatar and asks Kanhaiya to have Prasad. Kanhaiya says it is hot. Prathana continues to romance with him holding peacock feathers. Pari comes in Pratibha's avatar and explains to him about Sound speed. Pratibha comes wearing clothes like Panjiri and asks him what he would like to have. Kanhaiya thinks so Maiyya was saying this, and thinks they were doing Mai's Kai Po Che,
Kunti says this is not your drama company. She says what she will tell to Guddu bua. Kunti says she thought to show the qualities to her and is going. Pratap gives her medicine and asks her to eat it saying. Kanhaiya asks her not to take tension and make bahus understand. He comes to prathana and Panjiri and asks why they are taking up role reversal. Pari tells that man needs romance and beauty when young and likes puja path. Pratibha, Pari and Prema convince Kunti that they need to learn each other qualities. They tell that they will win if they can convince Bua that this is their real test. Pari practices maths with Pratap. Kunti gets worried. Kanhaiya asks him to open the door.
Guddu Bua and Phupha ji comes. Kanhaiya greets them. Kunti touches Bua's feet. Bua says you are fine and don't need blessings. Pari comes and says she has finished all book. Phupha ji faints. Bua scolds Kunti as her bahu talked in high volume. Pratap brings water and pours on his leg. Pari says he got fine. He faints again. Bua asks Kunti where are the five bahus. Kunti calls Panjiri and says she is…….Panjiri says beautiful. Pari comes and introduces herself as educated and understanding. Prema comes and says she is dharmik. Prathana comes and says bonjour. She touches them with peacock feathers. Pratibha comes and says she is a good cook. She gives water. Pratap asks her to take it. Bua says your bahus names are not matching with their qualities. Pratap says even Phupha ji's name is mahaveer but he is not great.
Pratibha says she will bring tea and breakfast. Kunti asks Bua to freshen up first. Bua says ok . Later she asks Panjiri to give shampoo to her. Panjiri asks Pari to give shampoo. Pari takes her to room, but shampoo is near ending. She asks her to buy from the shop. Panjiri says she can make it and checks ingredients. She comes to the kitchen and makes Shampoo.
Kunti tells Kanhaiya that Bua is still taking bathing. Bua comes out from bathroom and they shout seeing her.
Update Credit to: H Hasan


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Franz Josef Land
Franz Josef Land frăns jō´zəf, fränts yō´zĕf [key], Rus. Zemlya Frantsa Iosifa, archipelago, c.8,000 sq mi (20,720 sq km), in the Arctic Ocean N of Novaya Zemlya, Russia. It consists of 85 islands of volcanic origin, including Aleksandra Land, George Land, Wilczek Land, Graham Bell Island, Hooker Island, and Rudolf Island. Government observation stations (erected 1929) and settlements are on the latter two islands, and a military base (erected 2015) is on Aleksandra Land. Some 90% of Franz Josef Land is covered by ice interspersed with poor lichen vegetation the average mean temperature is 6.5°C (−14.2°C). The islands were explored in 1873 by Karl Weyprecht and Julius von Payer, leaders of an Austrian expedition, and were subsequently more fully explored by expeditions such as those led by Frederick George Jackson (1894–97), Fridtjof Nansen (who spent the winter of 1895–96 in Franz Josef Land), Walter Wellman (1898–99), the duke of the Abruzzi (1899–1900), Evelyn Baldwin (1902–3), and Anthony Fiala (1903–5). In 1926 Russia, then a constituent republic of the USSR, claimed the archipelago as national territory.
The Columbia Electronic Encyclopedia, 6th ed. Copyright © 2012, Columbia University Press. All rights reserved.
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Spirits of the Dark Carnival's Juggalo Jedi Council (ScottyBallz, Caligreen2Fresh, Shaunzy, Don Chaos, Echoside Fiend, Panik17 and BstMstR) pays homage to Inner City Posse's Dog Beats EP.
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CarnivalSpirits Radio Episode 2 is available now exclusively on CarnivalSpirits.com!
DCGCON 2018 CarnivalSpirits Presents Backyard Wrestling Video Game Tournaments Hosted by Kevin Gill.
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November 2018


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Errrr, what?
(CNSNews.com) – In a speech marking Women's History Month, which was delivered at the U.S. Capitol on Wednesday, First Lady Michelle Obama celebrated the decision taken by her husband's administration to put young women in all combat roles in the U.S. military.
"Thanks to brilliant, fearless women like General Vaught, today, more than 200,000 women are serving our country in just about every role and rank," said Mrs. Obama. "They're flying fighter jets, training new recruits; they're graduating Army Ranger School–and I met those graduates. They are awesome. Fierce! And as you've already heard, they will soon be welcome in every combat unit in our armed forces.
"So there is so much progress to celebrate," she said.
Mrs. Obama also lauded House Minority Leader Nancy Pelosi (D.-Calif), who sponsored the Women's History Month event.
"I want to start by thanking Leader Pelosi for that kind introduction and for hosting us here today," said Mrs. Obama. "This has just been a tremendous, fabulous, exciting program. But I want to thank her for her outstanding leadership every day in Congress.


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Not in God's Name
Human history, one might conclude from the Bible and Quran, is an ongoing struggle against the human tendencies towards evil and polytheism. The late Hebrew Prophet Jeremiah censures his people for (among other transgressions) sacrificing their children to the Ammonite god Molekh. Much earlier, such child sacrifices are already condemned in the Pentateuch, and Leviticus 20:3 describes this ritual as profaning (חַלֵּל) God's holy name. The Hebrew root for 'profaning' H-L-L, has an Arabic cognate, which is found in a Quranic verse (5:2) warning believers not to profane (تحلوا) God's religious symbols, days, rituals and devotees. A famous Biblical prohibition against taking God's name in vain (although it uses different wording) has been interpreted in various ways, many of which prohibit associating God's name with sinful acts (be they lies, idolatrous rituals or anything else sinful). So, God's name can be profaned by both explicit and implicit association with evil.
A famous hadith says that, "Any matter of importance that is not begun with God's name is defective," and observant Muslims are in the habit of reciting God's name at the beginning of prayer, before eating, and when about to undertake any major action – provided of course the act is something religiously lawful. The hadith's specification that the teaching applies to matters of importance implies that trivial matters should not be started with God's name, in order to preserve the sanctity of the Name by not taking it in vain. Clearly, then, the name of God should not be recited before sinful actions, and in fact to do so is considered an act of blasphemy and apostasy by Muslim legal scholars. (They make an exception for someone who says it out of habit, without presence of mind, because he did not consciously intend to associate the name of God with the sin. In Shakespeare's poem, The Rape of Lucrece, Tarquin stops at Lucrece's door to pray before entering to rape her, "As if the heavens should countenance his sin." "But in the midst of his unfruitful prayer," Tarquin realizes:
The powers to whom I pray abhor this fact;
How can they then assist me in the act? )
If the Hebrew prophets of yore were to witness our times, they would likely inveigh against the many social and ethical ills of today. And while child sacrifice is (thankfully) no longer prominent, there is a bane of our times that is evocative of its horrific disdain for the sacredness of life. Of course, I am referring to the acts of wanton killing and terrorism that (sadly) appear to be increasingly common. Major sins, like rape and murder, are certainly an act of implicit profanation of God's name, and if someone (God forbid) explicitly utters God's name upon it, the profanation becomes even greater.
When Caliph `Ali heard the Kharijites chanting the slogan, "Judgment is only God's," he is reported to have said, "It is a statement of truth by which falsehood is intended." So, if a murderer shouts "Allahu Akbar" / "God is Great" / "Elohim Gadol" over his murder, those who truly understand God's teachings might well shake their heads, and respond much as Caliph `Ali did. Yes God is indeed greater; greater than to defile His name by your profane sin of murder; greater than to not hold murderers responsible. We will not allow criminals to appropriate our sacred language. God is truly Great.
A Degree Over Women? Gender Equity and Quran 2:228
(ii) "A degree over women"
"And due to the wives is similar to what is expected of them, according to what is reasonable, and men have a degree over them." (Qur'an, 2:228)
The "degree" that men have over women, unspecified in the Qur'anic text, has given rise to a range of different suggested interpretations, some of which clearly hold little weight (such as the view that it refers to the beard!). The eminent traditionist-exegete Tabari (d. 310 H), after quoting all the transmitted opinions, concluded that the strongest view is that men are being instructed to unconditionally fulfill their duties and responsibilities in full, while being forgiving of women if they fall short in their duties; i.e. it is a degree of responsibility, rather than privilege. Tabari and others have narrated this view, with isnad, from Ibn `Abbas, an eminent exegete from among the companions of the Prophet.
According to traditional Muslim understandings of gender roles (I will not address Muslim feminist interpretations), men also are expected to lead the family unit (every social unit needs one person in charge, in order to function efficiently), but this leadership neither implies a superiority (remember when Abu Bakr was appointed Caliph, he said, "I have been appointed to lead you, but I am not the best among you"), nor is it supposed to be a means for overbearingness or tyranny. Rather, the relationship between husband and wife is to be based on love, compassion and cooperation, and includes consultation.
"And of His signs is that He created for you from yourselves mates that you may find tranquillity in them; and He placed between you affection and mercy." (Qur'an, 30:21)
"And the believers, men and women, are protecting friends one of another" (Qur'an, 9:71)
"….and whose affair is [determined by] consultation among themselves" (Qur'an, 42:38)
The alleged hadith, "Consult with [women] and then do the opposite of what they advise," has no authentic chain of narration back to the Prophet (as pointed out, for example, by Sakhawi in al-Maqasid al-Hasana), and is likely a sheer fabrication. Among the more striking narrations showing that the Prophet (s) valued the opinions of women is the famous incident at Hudaybiyah, in which he acted on advice from his wife Umm Salamah on a matter of great religious and public significance.
Gender Equity and Quran 4:34
A previous post showed the basic spiritual equality of men and women, as derived from the Quran. We now need to look more closely at three verses that are sometimes misunderstood to conclude an automatic superiority for men:
(i) "Men are in charge of [taking care of] women by [right of] what Allah has given one over the other and what they spend [for maintenance] from their wealth. " (Qur'an, 4:34)
(ii) "And due to the wives is similar to what is expected of them, according to what is reasonable. But the men have a degree over them." (Qur'an, 2:228)
(iii) "And the male is not like the female." (Qur'an, 3:36)
(i) Men are qawwamun over women"
"Men are in charge of [taking care of] women by [right of] what Allah has given one over the other and what they spend [for maintenance] from their wealth. " (Qur'an, 4:34)
Firstly, the Qur'an has told us clearly that the criterion for superiority before Allah is taqwa, not gender:
"Indeed, the most noble of you in the sight of Allah is the most righteous of you." (Qur'an, 49:13)
Indeed, no Muslim man would dare claim that, merely by being male, he is better than Lady Khadijah, Lady Fatimah, or the Virgin Mary!
Remember also that two verses before this (4:32), we were reminded that men and women have each been blessed in different ways by Allah. What the verse 4:34 is telling us, therefore, is that men have the responsibility of taking care of women, because (generally) their constitution and nature are such that they are more capable or working and providing physical protection and defense.
Secondly, note that the wording is not فضلهم عليهن (which would clearly mean: graced/blessed men over women) but rather: بِمَا فَضَّلَ ٱللَّهُ بَعْضَهُمْ عَلَىٰ بَعْضٍ literally: "has graced some of them over others." Shaykh al-Sha`rawi, the famous 20th-century Egyptian (male) scholar of tafsir, pointed out that although men may be graced/blessed in one aspect, they are less endowed in other respects, and that the two genders have complementary roles in which each utilizes their respective strengths to support the other. The 3rd-century theologian and polymath `Uthman al-Jahiz has pointed out several aspects in which women can be considered superior to men, including various positive traits of character (remember the Prophet (s) was described as more modest than a virgin in her chamber), and the fact that there has been a woman (the Virgin Mary) for whom Allah created a child without male involvement, but there has never ben a man for whom Allah made a child without female involvement. Contemporary female Syrian scholar Hanan Lahham expressed succinctly the logical conclusion to make from 4:34, tying together the concepts that were already known to earlier exegetes (mufassireen), even if they didn't express it so explicitly. She writes that, "Allah granted to each gender characteristics that help them to perform their roles; the intended meaning is not a superiority of one gender over the other."
The verse (4:34) also intimates that some women have certain superiorities over some men, and vice-versa. Thus, some women might be physically stronger, or more capable breadwinners, than some men. None of this is ruled out by the verse, nor by the labelling of men as maintainers, because as `Allamah Ibn `Ashur (a high-ranking 20th century Tunisian scholar) has commented in his tafsir, what the verse is describing is not a universal but a customary norm. (We may note, in passing that patriarchically organized societies have dominated human history for several millenia.) Even among pre-modern mufassirin, the possibility had been raised that this verse conveys that there are some women who are better than many men. In fact, the famous medieval linguist and mufassir, Abu Hayyan al-Andalusi, mentioned the possibility (suggested by the verse) that the term "men" (الرجال) in the verse (4:34) refers not to gender (for otherwise the term "males" (الذكور) could have been used) but only to those males who are deserving of being called "men" by virtue of their strength, wisdom and resoluteness. A lot of women would not be able to fully respect a man who does not live up to his expected role. Thus, many of the fuqaha allow a wife to annul the marriage if the husband is not able to provide financial support to his wife. (Of course, she has the option of remaining with him and being patient, and also the option of spending her own money on the household, and can expect reward from Allah for doing so, but she is not obliged to do either of these).
-Suheil Laher


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Tag Archives: locks
Are Biometric Locks more secure than traditional locks
Hollywood movies have shown us some mind blowing technology which seemed impractical and even absurd at times like fingerprint security or iris scans security. Today all this high tech and intricate technology has come to life. Biometric locks are now being used in offices, hospitals, airports, schools and banks all around the world over the last five to ten years.
A biometric lock uses a thermal or optical scanner to read and memorize fingerprints of the owner and individuals who are allowed access to that particular room or area. Iris scanners scan the unique pattern of your iris.
High Tech Technology used in a proper way
Adios to those metal keys. You will not forget your fingers or face in some other jacket or pants. No fears of your keys getting stolen or displaced. Biometric locks offer convenience and ready-to-use technology for authorization in particular sensitive areas.
Biometric information, cannot be misplaced or lost. It cannot be passed (although that is debated by several security experts ) to someone or get into wrong hands accidentally. This type of access control seems much more secure than one that relies on old fashioned physical keys. The biometric data is unique to every single person from whom it is recorded.
Biometric or keyless locks can be conveniently used in homes. You can secure every room if you want. Don't get suspicious about your door being locked or not as one important advantage of biometric locks is that the doors are automatically locked when closed. This important feature is very useful in case you have kids because kids often forget to lock the doors. A biometric lock can store data of about 10, 15, 2o or even 50 users.
Biometric locks can be easily installed in existing doors. They can be programmed easily and they can be used in homes and offices and industrial buildings. When choosing a biometric lock ensure that the lock comes with a reliable backup battery power. Backup battery power ensures that the lock is working properly even if power failure occurs, so you are not locked out of your home. It also comes up with low battery warning and a sliding cover to protect the UV censor and it is water resistant.
Some smart phones are also clever enough to control your door locks. Smart home locks allow you to use a smart phone app to remotely lock and unlock doors. You can also give access to your friends and colleagues in case you are not present in your home. You can even check if your house is locked or not if you are away. Some smart lock manufacturers include Goji Lock, UniKeyKevo and August Smart Lock. The applications needed to control the locks can be downloaded from the play store, or appstore. Before purchasing a smart lock it is advisable to check if your smartphone is compatible with the required smart lock application.… Read More.....


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A plane crash and the identity of its lone survivor form the delicious premise for Bussi's novel.
It's 1980, and a plane en route from Istanbul to Paris crashes into the side of a mountain. Everyone aboard is killed, but searchers find one survivor, an infant girl who's been improbably thrown from the plane. The 3-month-old baby is immediately hailed as a miracle child and would be reunited with her grandparents except for one small problem: there were two baby girls on the flight, and neither set of grandparents has ever seen their granddaughters. Up springs a battle to claim the little girl, with a rich family, the de Carvilles, on one side and a poor family, the Vitrals, on the other. But a man who has investigated the case for 18 years is at the center of the drama. Crédule Grand Duc, a private investigator hired by the de Carvilles to prove the child is their Lyse-Rose and not Emilie Vitral, has finally determined the child's identity. Complicated by the fact that DNA was not a commonplace identifying tool until the later 1980s, the action moves back and forth over the years as the two families tussle over the child, to the present day of the book, which is 1998. Bussi has an intriguing premise, but many things about his narrative will frustrate readers, including DNA test results that no one bothers to read, and when people do, they keep the results secret. Lyse-Rose's older sister, Malvina, is a heavy-handed villain; Emilie's brother, Marc, is also the girl's lover, adding the possibility of incest to the mix; and Grand Duc's recounting of the events, in a notebook he left behind at his death, is a meandering mess that's like a long-winded uncle stretching a one-minute story into a three-hour monologue.
Lots of initial promise, but the plot proves improbable and the execution melodramatic.


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I love today's (6/1) Target Daily Deal. Get a Toddler Girl's Circo Jaray Flat for only $5.99 (comes in several fun colors). These are great shoes and normally priced $9.99. We usually purchase them for fun, fancy events. If you have an upcoming wedding and need little girl shoes, this is a great price.
Don't forget that Target REDcard (Credit OR DEBIT card) holders will get an additional 5% off your purchase. And if you buy through Ebates to get an additional 3% cashback. (Just search "Target" and hit "Shop Now". Then find the "daily deal" at the top of Target.com).
Find more Target deals on Frugal Living NW.
This post may contain affiliate links. See the disclosure policy for more information.


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segunda-feira, 24 de agosto de 2009
Vídeo belíssimo!!!!
This is the PEN Story in stop motion. We shot 60.000 pictures, developed 9.600 prints and shot over 1.800 pictures again. No post production! Thanks to all the stop motion artists who inspired us. We hope you enjoy :-)
Free download of the music at http://olympus.eu/penstory/
Assinar: Postagens (Atom)


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Vineet Ramakrishnan/Zeenews Sports Bureau
Chennai: Mumbai Indians won the third edition of Champions League Twenty20 on the back of a spirited bowling performance led by Captain Harbhajan Singh as the franchise got the taste of success for the first time in 4 years and their first piece of silverware.
Scorecard: Mumbai Indians Vs Royal Challengers Bangalore»
With a modest total of 139 to defend, that too against a RCB line-up that had chased down above 200 twice before coming into the final was an improbable task but with the likes of talismanic Malinga, mercurial Pollard and the charismatic Harbhajan Singh in the ranks, the Bangalore challenge was squashed by the Indians at MA Chidambaram Stadium, Chepauk, Chennai.
Without their big guns in the squad, the depleted and wounded Mumbai franchise was in the news for all the wrong reasons at the start yet they scrapped past the league stages with few low scoring and heart stopping affairs to reach the finals against the formidable RCB which was powered by Gayle force and brute Kohli aggression.
For Mumbai Indians, Harbhajan led from the front and took the Man of the Match award with an impressive tally of three wickets with a run rate under six. He was ably supported by the young Yazuvendra Chahal who kept the pressure on from one end finishing off with 3-0-9-2 with an economy of 3.00. Even big man Keiron Pollard did his bit with the ball even though he failed with the bat in the entire series. James Franklin once again proved to be the man of the moment for Mumbai as the lanky New Zealander came up with another crucial knock with the bat scoring a very vital 41, the top score for the entire match.
Royal Challengers Bangalore were definitely the favourites going into the second innings to chase down a modest total of 139. The RCB bowling came to the fore in the decider with the likes of Nannes and Vettori coming up with stellar performances to restrict the Mumbai batsmen. Sreenath Arvind who is in the Indians squad which would be squaring off against England again had a bad day at the office going for more than 8 runs per over. Raju Bhatkal was the pick of the bowlers with three wickets. In batting, Dilshan top scored with 27 as the star performers Gayle and Virat Kohli failed to deliver in the decider.
The slow pitch of MA Chidambaram Stadium had something for the bowlers as well as the batsmen and the Mumbai spinners utilized the conditions and extracted maximum out of the pitch to choke the Royal Challengers Bangalore batsmen during the run chase. Even RCB bowlers enjoyed the slowness of the pitch with Vettori taking full advantage. He had Pollard and Bhajji out in the 16th over to give RCB the advantage. But, Lasith Malinga who was adjudged the Man of the Series came good with the bat as well pushing the Mumbai total past 130.
The batting of Royal challengers had predominantly revolved around the top four and once Bhajji scalped the wickets of Gayle and Kohli who were clearly struggling to come to terms with the pitch, the match tilted in Mumbai's favour. The young Indian players forgot the basics and went for glory shots when the need of the hour was to take singles, doubles and rotate the strike. Mayank Aggarwal, Arun Karthik, Sourabh Tiwari and even the veteran M Kaif crumbled under pressure and went for big shots. From here on it was matter of chipping away the wickets which was done in the usual fashion by Malinga.
Royal Challengers Bangalore innings
Overs (15-19.2) RCB: 108 all out
With 37 needed in the last two over game was already over for RCB as they crumbled under pressure as Mumbai Indians won the finals of Champions League Twenty20.
Mumbai Indians have been a part of low scoring affairs on more than couple off occasion in CLT20 and in the finals as well the Mumbai bowlers tightened the screws on RCB defending a rather modest total.
Pollard made his presence felt even though he failed with the bat picking up M. Kaif, who like others went for the glory shot instead of putting their head down and working out the pitch.
Pollard finished his quota of four overs with an impressive tally of 4-0-21-1.
Overs (7-14) RCB: 77/5
Yuzvendra Chahal scalped Arun Karthik for a duck to tilt the match in Mumbai's favour as RCB crumbled to the tight bowling from Chahal and Harbhajan.
Harbhajan Singh once again provided the vital breakthrough in the form of Virat Kohli in the 12th over to put Mumbai back in the match in a roaring fashion.
Kohli was clearly struggling to come to terms with the slowness of the Chennai strip as the man in-form could muster only 11 off 19 deliveries.
The Chennai pitch got slower and slower as RCB were in a spot of bother chasing the modest total of 139. Spinners Chahal and Bhajji kept a check on the Bangalore scoring.
Harbhajan Singh bowled with intend and put RCB on the backfoot as Keiron Pollard also bowled smartly, mixing up the slowers and cutters to good effect.
In-form batsmen Virat Kohli and youngster Mayank Agarwal had some trouble moving on as the run-rate kept creeping up.
Overs (1-6) RCB: 42/2
Harbhajan Singh got the big wicket of Chris Gayle in an over which saw some turn being produced by the turbanator and gave away only a single.
Gayle who had struggled to connected the ball well in his short vigil of 12 balls where he scored only 5.
Harbhajan gave Malinga his third straight over and he came back strongly to scalp the dangerous Dilshan for 27.
Malinga started off with a no-ball which was deposited to the deep square leg boundary with ease by his Sri Lankan captain T. Dilshan as he conceded 11 off the first over.
Dilsan taking charge then hit Abu Nachim who shared the new ball with Malinga for two consecutive boundaries. Gayle on the other end symbolised the lull just before a storm.
Mumbai Indians innings
Sreenath Arvind got the final wicket of Chahal and with that Mumbai were bundled out for 139 in 20 overs.
Daniel Vettori led from the front picking up two crucial wickets of Pollard and Harbhajan. Dirk Nannes also came to the foray with a hostile spell of fast bowling conceding only 3.50 runs per over.
For Mumbai Indians, James Franklin top scored with 41 but he was run out at the wrong time for the Mumbai Franchise. His run out and that off Aiden Blizzard in the second over was definitely a major setback for the Indians.
Big hitting pollard again failed to deliver.
Overs (15- 20) Mumbai: 139 all out
The end was definitely coming and 139 all out was not the score Mumbai would have been looking for as Y Chahal was the last batsmen out in the final over of the match bowled by Sreenath Arvind.
With all the recognized batsmen back in hood, Lasith Malinga and Rajagopal Sathish swinged their bat at everything connecting a couple to extend the Mumbai Indians score past 130 but RCB had put up a far more spirited bowling performance which was lacking earlier.
Captain Vettori got the big wicket of Keiron Pollard and his counterpart Harbhajan in the same over to probably tilt the match in RCB's favour as the Mumbai Indians innings crumbled as if in a self destruction mode.
In the previous over, a very casual piece of cricket led to the demise of set batsmen James Franklin who was run-out at a very crucial juncture of Mumbai innings. Nannes effected the run-out.
Overs (7- 14) Mumbai: 106/4
With just five overs left Mumbai are now left with Pollard and the lower middle order to get some quick runs as RCB would be looking to squeeze in more on the Mumbai run rate.
RCB got a lucky break through in the form of dangerous Suryakumar Yadav as Vettori smartly ran out Yadav at the non-striker's end.
That brought the big hitting Keiron Pollard out to the center.
Suryakumar Yadav had earlier justified his place ahead of Pollard with two hefty but classic hits past the boundary as Franklin also made a move on as Mumbai set themselves for the onslaught.
By the end of 10 overs Mumbai stood at 71 for the loss of three wickets even as rookie Suryakumar Yadav was sent ahead of Pollard.
Bangalore bowlers including Captain Vettori and Raju Bhatkal bowled sensibly and stuck to the basics giving little away for the Franklin and Yadav to work around.
Though both the batsmen were able to maintain the 7 runs per over run rate with the odd boundaries here and there
Ambati Rayadu was looking in charge and along with Franklin steadied the Mumbai innings somewhat but Raju Bhatkal scalped the Hyderabad batsmen to push the brakes on Mumbai scoring rate.
Overs (1-6) Mumbai: 43/2
Mumbai Indians failed to capitalize the powerplay overs losing both the openers and managing a run rate of just above 7 an over.
RCB bowlers did well to restrict the Mumbbai batsmen as both Nannes and Aravind had a relatively decent start as scompared to the other games.
Dirk Nannes who had a disappointing CLT20 produced a stunning yorker beating young Sarul Kanwar all ends up. Kanwal, probably playing his first ever high profile match looked nervous during his brief stay as Ambati Rayadu who coming in at No. 3 looked to rotate the strike rather than going for the big shots.
Early on, it was not a good start for Mumbai Indians as the semifinal's highest scorer for Mumbai franchise Aiden Blizzard was in the middle of a bad mix up ending up being run out. Sarul Kanwar stayed on his crease even though Blizzard had run the entire 22 yard. The Australian was clearly livid about his dismissal.
Mumbai Indians captain Harbhajan Singh won toss and elected to bat against Royal Challengers Bangalore at MA Chidambaram Stadium, Chepauk, Chennai in the finals of Champions league Twenty20 2011.
Royal Challengers Bangalore
C Gayle, T Dilshan, V Kohli, S Tiwary, M Kaif, M Agarwal, R Bhatkal, K Arun Karthik, D Vettori (C), D Nannes, S Aravind.
Mumbai Indians
A Blizzard, S Kanwar, S Yadav, A Rayudu, J Franklin, K Pollard, R Sathish, Harbhajan Singh(C), S Malinga, A Ahmed, Y Chahal.


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Morecambe boss Jim Bentley wants to see more of the qualities his side showed in the derby draw with Accrington between now and the end of the season.
After humbling defeats to Dagenham, whose relegation was confirmed on Saturday, and Hartlepool The Shrimps were much improved in the 2-2 stalemate at Stanley last time out.
Bentley next takes his 19th-placed side, who mathematically made sure of their Football League status on Saturday, to Cambridge tonight, Tuesday, with Shaun Derry's side hoping to keep up their outside chance of the play-offs.
The U's are 12th in League 2, five points shy of the top seven with four games to play after a 0-0 draw at home to nine-man Carlisle last time out.
The Shrimps boss said: "It was a battle in difficult conditions on Saturday but we got a point from it and there were plenty of positives.
"It was a good response after the Hartlepool defeat and now we go again with what is another difficult game.
"We want to finish the season strongly and want to win every game but Cambridge are doing well themselves.
"It will be tough one but hopefully we can go with the same determination and character as we had on Saturday and get something from the game."
Tuesday night's game will see Bentley come up against former Shrimps team mate Jimmy Spencer, the striker having scored five goals for the U's since being released by Notts County in January.
The 24-year-old spent the 2010-11 season with Morecambe on loan from Huddersfield winning plenty of admirers at the Globe Arena.
Bentley said: "They've got good players there and Jimmy's one of those.
"They've brought him from Notts County where he wasn't getting a look in and he's scored goals and is doing well for them.
"He's always a player I admired when we played together at Morecambe.
"He'll be one of a couple of players who've got big strengths. It'll be a tough game for us but we responded well on Saturday and scored two good goals ourselves."
Manchester United loanee Kieran O'Hara will continue in goal as Barry Roche serves the second game of his two-match suspension.
Follow Cambridge v Morecambe with Shrimps Live


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Reverse Mortgage Rates
Key considerations when selecting your reverse mortgage interest rate:
1. Over time lower interest rates can add up to $10's of thousands saved in interest charges allowing for a larger retained equity position for your estate/heirs.
2. While FHA regulates the reverse mortgage program they DO NOT set the lenders margin or interest rate. It is advised to shop around as you would for any other type of loan as reverse mortgage rates will vary from lender to lender.
3. Fixed interest rates only allow for a lump sum option while variable rates offer more flexible payment options such as an open line of credit or monthly payment plans.
Other Considerations:
When selecting an adjustable rate be mindful that the total interest charges equals your line of credit growth rate. e.g. if the interest rate is 4.00% and the monthly insurance rate is 1.25% you will have total interest charges to your loan balance at 5.25% as well as a monthly growth on your available line of credit of 5.25%.
The expected rate has a direct impact on the proceeds available to you from a reverse mortgage loan. When the expected rate moves above 5% the funds available to you will decrease. E.g. At age 70 with an expected rate of 5% you receive 57.6% of the appraised value. If the expected rate increases to 6% the amount available to you lowers to 45.1% of the appraised value.
Current Reverse Mortgage Programs.
All Loan Types Fixed Rate Loans Adjustable Rate Loans
Monthly Rate (Request Detailed Quote Below)
Note Rate: 2.52% Lifetime Cap: 12.52%
Apply for This Loan Now
Get Your Free Quote
Annual Rate (Request Detailed Quote Below)
Note Rate: 3.21% Lifetime Cap: 8.21%
Apply for This Loan Now
Get Your Free Quote
All-Time Low Fixed Rate (Request Detailed Quote Below)
Note Rate: 4.25% APR: 5.64%
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Get Your Free Quote
*rates as of 06/01/2017. Additional programs available. Complete quote request to receive a comparison of all available reverse mortgage plans. APR figures are based on a borrower age 68 with a property value of 150k.
Rates and Fees are subject to change without notice. These rates are for comparison purposes only. This is not an offer or commitment to lend at any set terms.
The total interest rate charged to your outstanding loan balance is the Margin + Index + Monthly Mortgage Insurance of 1.250%
Example 4.50% Fixed: 4.50% + 1.25% Monthly MIP = 5.75% in TOTAL interest charges.
Example Libor Annual. 1.50 Margin + current index of 1.72% + 1.25% Monthly MIP = 4.47% in TOTAL interest charges.
* Fixed Rate APR ran with $250,000 loan amount including 1.250% Mortgage Insurance Premium and standard 3rd party closing costs.
** Tenure or Line of Credit Plan: Assume the youngest borrower was 72 years old when you opened your Plan and you had an outstanding balance of $10,000 at the beginning of the Draw Period with an initial rate of 8.37%. If you took no other advances or payments and the rate increased as rapidly as possible so that the rate was 10.37% in the second year, 12.37% in the third year and 13.37% (5.0% above an assumed initial rate of 8.37%. (The maximum Annual Percentage Rate) in the fourth year and remained at the maximum rate, the minimum payment that would be due at the end of 13 years (based on the life expectancy of the youngest borrower) would be $51,517.55.
Choosing Fixed-Rate Vs Adjustable
You can choose a fixed rate or an adjustable rate and fixed rates sound great, but they are what is called a closed end instrument and require the borrower to take the entire loan at the very beginning of the transaction. For borrowers who are paying off an existing mortgage and need all their funds to pay off the current loan, this is no problem.
For a borrower who has no current lien on their property or a very small one, this would mean that they would be forced to take the entire eligible mortgage amount on the day the loan funds. This might give a borrower $200,000, $300,000 or more in cash from the very first day that they do not need at the time and on which they are accruing interest. This can also have an adverse effect on some seniors with needs-based programs. (Medicaid: Seniors on Medicaid and some other needs-based programs would impact their eligibility by having the sudden addition of the liquid assets)
A borrower who is planning on using only a portion of their funds monthly need not pay interest on the entire amount from the very start, eroding the equity unnecessarily fast. An adjustable rate will accrue interest at a much lower rate at today s rates, but has a 10% cap and can go much higher if rates rise in the future.
However, the adjustable rate programs do allow you more flexibility in how you can receive your funds. First option would be a cash lump sum. This is not advised on the adjustable product as a cash lump sum request is usually associated with fixed interest rates, however it is available. Second option would be a line of credit. The Reverse Mortgage line of credit is not the same as a Home equity Lines of Credit or (HELOC) that you can get at your local bank. The Reverse Mortgage line of credit grows in available on the unused portion and cannot be frozen or lowered arbitrarily as the banks can and have done recently on the HELOC's.
Third option is a monthly payment option which can be set over a specific period of time and then cease or as a tenure which would be a monthly payment guaranteed for life. Fourthly, a homeowner could choose any combination of the three options listed previously.
The adjustable rates are currently much more flexible to meet borrowers needs. One of the things that can determine the amount for which borrowers will ultimately qualify is the rate at which the loan accrues interest. When the margins on the adjustable rates were lower and the fixed rate was higher, the adjustable rates gave borrowers more money in their pockets in the form of eligibility. Now, most borrowers we run through the HECM calculator receive more money on the fixed rate program.
This is extremely important to know if you are trying to get as much as possible to pay off an existing lien. It also means that the higher the margin, the less money the borrower will receive and the faster interest on the loan will accrue. So the thing to look for in a reverse mortgage here is definitely the rate on a fixed rate or the margin on an adjustable rate that is being quoted.
- Rising Rates, HELOC Resets Create the 'Perfect Storm' For Reverse Mortgages
- 2017 Reverse Mortgage Interest Rates On The Rise!
About Libor Index
LIBOR stands for London Inter-Bank Offered Rate. It is based on rates that contributor banks in London offer each other for inter-bank deposits. In October of 2007, the U.S. Federal Housing Administration (FHA) ruled in favor of insuring ARM loans based on the one-year LIBOR index.
At the same time, HUD also ruled to allow the one-month LIBOR to be used for the purpose of calculating adjustments to interest rates for monthly adjusting Home Equity Conversion Mortgage (HECM). Below is a chart of LIBOR rates for the last 10 years.
LIBOR loans normally have lower margin rates than CMT (constant maturity of U.S. treasuries). This is particularly helpful to senior borrowers due to the fact that the CMT margin became increasingly less desirable when selling the loans in the secondary markets and the change helped insure the availability of the market for ongoing lending.
If you had an annual adjustable rate in January 2001 with a 2.50% margin your fully indexed note rate would have been 7.67% (+1.25% MIP) for a total interest charge to your outstanding loan balance of 8.92%.
Note: That same reverse mortgage in 2001 with an open line of credit would have grown in availability by that same rate of 8.92% – Example: $200k Line of credit would grow in availability by $1,486.66 which then compounds month after month, year after year. Be sure to read more about this important line of credit growth rate .
Where we are now:


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This was such a beautiful video I just had to post this. I recently went to a series of sound healing meditations with bowls and gongs and had one of the most releasing experiences in a while. The sound of the gong really moves me….enjoy!
May the sound of this bell
penetrate deep into the kosmos
even in the darkest spots
living beings are able to hear it clearly
so that all suffering in them cease
understanding comes from the heart
and they transcend the path of sorrow and death
The universal dharma door is already open
the sound of the rising tide is heard clearly
the miricle happens
a beautiful child appears in the heart of a lotus flower
one single drop of this compassionate water
is enough to bring back the refresing spring
to our mountains and rivers
Listen to the bell I feel the affictions in me
begin to dissolve
my mind is calm, my body relaxt
a smile is born on my lips
following the sound of the bell
my breath brings me back to the safe island of mindfulness
in the garden of my heart the flowers of peace bloom beautifully
Thich Nath Hanh


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From ZCommunications here
Sugar Coating Explotation
Illovo and Tongaat-Hullett have publicly claimed that despite their drive to maximise profits and their self-declared goals of becoming the cheapest sugar producers in the world; they have also played a valuable social role in the southern Africa. As part of this, both these companies have publicly declared that they care deeply about the welfare of workers. They claim workers employed by them are well paid, that they are respected and valued. It is, however, not only workers that these two companies claim to treat well. Illovo and Tongaat-Hulett have repeatedly highlighted their Corporate Social Responsibility programmes, including work around HIV/AIDS and outgrowing schemes. This has all been used by these two companies to argue that they play a very positive role in society[3][4].
Unfortunately, much of this is a public relations campaign that is designed to sugar coat the shady practices of these two companies. In reality, both Continue reading →