text:
The BMW M3 SMG Vs. The MINI Cooper/S
I've often heard of people trading in BMW, Audis, etc for MINIs but every once in a while I'll hear of someone doing the seemingly unthinkable and going from an M3 to an MCS. With that in mind I recently had a chance to put an M3 SMG through it's paces and found some interesting observations when comparing to the MCS and the MC.
First off the M3 is almost stupid fast. If you aren't careful you easily get yourself into loads of trouble in no time. There are of course some areas that the M3 (and most BMWs for that matter) naturally excel in comparison to the MINI. General comfort is one. Even with 19″ wheels the M3 has a more compliant ride than the current MINI with runflats. The M3 exudes a certain comfort and refinement that the MINI seemingly will never have.
Another area the M3 naturally bests the MINI in is balance. The chassis is much better sorted in terms of balance and generally gives the driver an inspiring confidence while pushing the car. With the 50/50 weight distribution also helps the M3 easily outclasses the MINI when it comes to handling at the limit. That being said it can also be a little less forgiving in the hands of a novice. The back-end will come around on you in a heartbeat with the DSC turned off. You have to be ready to opposite lock the wheel quickly where as in the MINI it's much more point and shoot. I personally miss this little bit of excitement in my MINI and it's one of the reasons that I'll probably always want at least an older rear wheel drive BMW around to scare passengers from time to time.
I was also quite excited to get behind the wheel of an M3 with the much acclaimed SMG semi-automatic transmission. The SMG is one of the best semi-automatic transmissions out there today and takes much of it's technology from the F1 race track .
However before I go on and on about SMG it's important to remember that it's not an automatic with manual controls but a real clutchless manual transmission similar to what's in the BMW/Williams F1 car. It's a transmission that at once can shift faster than any human yet when in regular automatic mode can go almost unnoticed in daily operation.
Upon sitting down next to the SMG for the first time I have to admit I wasn't entirely sure how to get the thing going. It can be a bit tricky without some explanation at first. The default mode on the SMG is actually automatic but a quick flip of the wrist gets it in manual mode. To change gears there are two paddles just behind the wheel – one to upshift and another to downshift. My first thought was it's like playing Grand Tourismo with the best feedback controller in the world. My second thought was "oh my God this is for real"
One of the keys to fast acceleration in the SMG is switching the sport mode on and turning the shift mode to S5 (as high as it normally goes). If you want to really impress someone you can turn on the somewhat hidden S6 shift mode and enjoy some of the qiuckest and most neck snapping shifts you'll ever feel. Once more, when you downshift the engine it will automatically blimp the throttle to the optimal rpm. The sound is so addicting that you find yourself slowing down and speeding up just to hear it. These upshifts combined with the melodic inline six and the amazing factory exhaust make you want to forget about the radio or CD player. Let's hope this option makes it's way onto at least the next generation MCS.
Interestingly while pushing the car into hard corners the M3 almost seemed to have more body roll than the MCS or an MC with SS+. That is of course until I realized that I was going 20mph faster than I would have been in a MINI around the same corner. This is really one of the best aspects about the M3. Granted there is the advantage of 333 HP where the MCs only has 163 on tap but it's really the feeling of immense stability at speed and at the limit that is so thrilling. Simply put you feel like you can do about anything in this car. Yes the MINI is exceptional in this area but it simply can't overcome the fact that it's wheel base is short (by M3 standards), it's track isn't as wide, and it's a front wheel drive car with an unequal weight distribution.
All said the MINI makes a good showing in this comparison. Despite going up against a huge difference in power and sophistication there are few cars that feel more like a small version of the current M3 than even a base Cooper with SS+. Going from the M3 to my SS+ Cooper I was struck by how similar the two felt at low and midrange speeds in terms of handling. As long as you don't push the MINI beyond a certain point it's handling can be very balanced and confident. In fact the MINI actually had a sharper initial turn-in than the M3!
Beyond that my Cooper is generally more toss-able and in many ways more fun to whip around corners. It's not near as fast and not near as refined but I believe on many levels it's actually more fun.
At the end of the day I came away reaffirmed that the MINI remains an unbelievable value compared with what else is out there in it's price range. And for sheer driving fun there are simply few cars out there that can rival it.
Written By: MF Staff
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text:
2009 Review of Cougar Mountain Software — CMS Professional Payroll
800-388-3038 www.CougarMtn.com
From the September 2009 Review of Professional Payroll Programs
CMS Professional Payroll is an in-house live payroll application for small and mid-sized businesses that can be used in conjunction with Cougar Mountain Software's Denali and CMS Professional full accounting suites, or run as a stand-alone program. Although primarily geared for use by businesses, the system can support employers or companies with any number of employees in each, which also makes it a viable system for payroll professionals serving multiple businesses. The payroll system offers direct deposit to multiple accounts, provides accruals and benefits management, and allows all standard deductions as well as user-defined pre- and post-tax options. The system also supports electronic filing and remission of withholding to taxing authorities. CMS Professional Payroll costs $674.
CMS Professional Payroll opens into a window that provides menus for payroll-specific tasking across the top, along with links to other programs in the CMS Professional Accounting suite, such as the GL, AR, AP, Inventory, Job Cost and Reporting. Payroll function menus group tasks into categories for accessing employee information, entering payroll data, period-end processes, reporting and options. Users can quickly select a business/employer from a searchable selection list, while the employee selection screen provide more extensive summaries of employee information. Data entry is performed on traditional forms that offer tabbed access between data categories, and while processing payroll runs, data can be quickly entered, edited and reviewed. The program offers wizards and guides for setting up companies and employees.
The payroll system supports all pay methods and frequencies, including hourly (with the ability to assign multiple rates per employee, salary, per diem, contract, piece-work, commission and bonus. The program also offers the ability to split payroll expenses across multiple departments. Payroll tax tables can be updated manually or through Cougar Mountain Software tax updates. CMS Professional Payroll can track employee benefits and time-based accruals, and its deduction capabilities allow any number of standard or custom deductions per employee. A garnishment feature can be used to automatically calculate employee pay subject to garnishment, and can be used to manage those that end on a particular date or when a specified dollar amount has been reached. Other deduction management features support HSAs, planned giving, income shelters, 401Ks, cafeteria plans, union dues, insurance, and child support payments.
Direct deposit functions support up to four accounts per employee. Check stubs produced with the program can display multiple pay rates. In addition to customizable fields, a new function in the system allows recording of employee mobile phone numbers. Check stubs produced with the program can display multiple pay rates. Online employee access and self-help is available, and the system offers user-specific and function-specific security options.
CMS Payroll produces all year-end compliance forms and reports, including separate W-2s and reports for each state. Dozens of standard managerial reports can be customized as needed, and include options for employee earnings, departmental labor costs, project-based labor, benefits, deductions, taxable wages and payroll histories. Electronic compliance (e-filing) is available through a third-party add-on solution.
When used as part of the broader accounting suite, CMS Professional Payroll thoroughly integrates with the other programs, sharing data and information as needed. The system can import from virtually all time clock programs, as well as data in plain text or spreadsheet format, but does not offer direct integration with third-party GL systems. Reports can be saved into PDF format.
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subset: commoncrawl


text:
Accordion Players
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Easy peasy!
What do you think of when you hear the music of the accordion? Does it take you to an Italian restaurant with a man strolling from table to table serenading the guests with his accordion? Maybe you're picturing yourself in the middle of a polka festival or Oktoberfest with the band featuring an accordion up on stage getting the crowd dancing along? This unique instrument turns any occasion or event into a festive one whether solo serenading or playing along with a band. So bring some culture to your musical entertainment by booking an accordion player for your event!
Where do you need an Accordion Player?
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text:
By Kim Staudinger
The Havre High Blue Ponies knew coming into the tip-off tournament last weekend that it would be the start of a tough season, not because of lack of talent on the Ponies team, but because of the opponents they play.
While the talk all weekend was of Mike Chavez transferring to Browning for his senior season of basketball, the Ponies came out and wanted to show everyone that they should not be forgotten.
The Ponies faced one of the state's top teams in the Dillon Beavers late Friday night, falling just short in the final eight minutes of play 69-53.
Havre fell behind early, 8-2, but rallied back thanks to key three-pointers by Mike Frey and Cory Brothers to cut the lead to 11-10 with four minutes remaining. The Ponies would tie it at 15 with just under two minutes left, but failed to score in the next four minutes as the Beavers took a 25-15 lead.
Havre cut the lead to 32-26 at the half, but were never quite able to get any closer. Dillon once again led by 10 at the end of the third quarter and increased its lead to 69-53 by the final buzzer.
"Against Dillon I thought we did pretty well," Havre head coach Mark West said. "We made some small defensive mistakes in the middle of the third quarter and they made some three's that hurt us."
Frey led all scorers with 19 points, while Brothers added 12. Titus Pedraza also added 10 in the loss. Kevin Harada (6 points), Danny Wirtzberger (4 points) and Doug Ireland (2 points) rounded out the scoring for Havre.
Nate Decker led a balanced attack for the Beavers with 14 points. Kevin Hammond followed with 13, Matt Allen with 12 and Torrey Thomas with 11. Chris Kelly with eight points, Doug Gibbons with five, Kyle Tash with four and Thatcher Taylor with two were the only other scorers for Dillon.
Even with the loss, the Ponies had to be feeling good, knowing they are able to keep pace with a team as strong as Dillon. That good feeling stayed with the Ponies as they pulled out a close win over Butte Central on Saturday 61-56.
Titus Pedraza started off on fire for the Ponies, scoring the first five points of the game and Brothers drained a three-pointer from the top of the key with just over two minutes of play elapsed to give Havre an 8-0 lead.
"I am really proud of the kids the way they started the game," West said. "They came out and executed exactly the way we wanted to."
Butte Central would rally back and cut the lead to four after the first quarter and just one at 32-31 at the half. Matt Brophy (15 points) and Craig Tippett (25 points) stole the show for the Maroons, scoring 16 of the 18 second-quarter points.
The deadly duo combined once again for 12 of the 16 third-quarter points for the Maroons, giving them the slim 47-46 advantage at the end of the third quarter.
Kevin Harada got the fourth quarter off to a good start for the Ponies, rebounding a missed three-point shot by Wirtzberger to give Havre the lead. Butte battled back and led by two with 2:41 remaining as Josh Pantoja (six points) drilled a three-pointer from the right side.
But Brothers was there with the answer as he hit a three-pointer of his own seconds later to give Havre the lead for good. Brothers and Wirtzberger combined for three free throws in the last minute of play to increase Havre's lead to 61-56.
"We got what we wanted," West said, referring to Havre getting a split on the weekend. "The way we won was so good. The kids didn't panic. Cory hits a big three and Mike takes a huge charge. It was a nice way to come out at the end and win."
Brothers finished with 20 points on the game, Pedraza with 13, Wirtzberger and Ireland with eight each, Frey with seven, Harada four and Ryan Lusin with one.


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Mental health in the workplace can be an awkward issue for employers to address, but the cost is clear. An estimated 217 million workdays and $44 billion in productivity is lost nationwide each year to mental disorders — with anxiety, panic and depression ranking among the top five chronic conditions leading to workplace impairment, according to studies from the National Alliance on Mental Illness and the Centers for Disease Control and Prevention.
Workplace wellness is a perennial issue for companies of all sizes — healthier employees mean lower health care costs and higher productivity — but the taboos around mental health can often mean that illnesses such as depression and anxiety go unaddressed and unreported.
The problem is no less pertinent here in Maine, where a 2010 survey by Maine Medical Center's Lifeline Workplace Wellness Program and the MMC Portland Identification and Early Referral program found that a majority of Maine employers were unprepared to deal with issues of mental health in the workplace.
"Mental illness can end up being siloed out and not considered part of an employer's larger wellness model. My job is to change that," says Thomas Downing, director of MMC's Lifeline Workplace Wellness Program, which helps employers around the state address issues of employee wellness.
Of the 118 Maine employers surveyed in the 2010 study, two-thirds said that while they agree that employers should "play a significant role in providing information to employees and training to supervisory staff ... they do not have adequate information and training to do so," according to Downing.
A new pilot program being developed between Downing and colleagues at MMC and MaineHealth aims to address that information and training gap.
Still in its formative stages, the Mental Health Workplace Wellness model will provide employers of all sizes with a framework of best practices and training information to help Maine companies take a more proactive role in heading off the effects of mental illness in the workplace.
"Mental illness transcends all genders, ages, ethnicities and socio-economic classes; it has no discrimination," says Downing. "Research indicates that one in four people has some type of mental illness, so it doesn't matter what size your company is, there is mental illness in that organization."
Having enlisted a graduate student in health policy from the University of Southern Maine's Muskie School of Public Service to complete a literature review of worksite mental health models, the effort now moves into the next stage.
"We've already found some really fascinating models that already exist," says Downing, citing Canadian and British programs that they hope to build on and retool for the specific needs of Maine employers. "We are picking and choosing those best practices already in place to put together our own model."
One model, developed in the United Kingdom, emphasizes the need for training mental health "first aid" helpers in the workplace, an idea that Downing plans to explore in drafting the pilot program. "We've all heard of first aid, but we've never heard of that before. This is a 12-week course that individuals can take to learn more about what is mental illness and they can learn to be helpers," he says.
Armed with a white paper and logic model outline, the group will seek grant funding to cover the cost of a project manager, with hopes of launching a pilot program and tapping employers to participate by sometime in 2013, according to Downing.
"When you talk about mental health, you're talking about a lot of different things — from issues like alcoholism and substance abuse to marital issues, stress, depression," says Rick Dacri, a human resources consultant who runs the firm Dacri & Associates LLC.
"All of those things are carried over into the workplace and impact how individuals do their jobs; the fact is that people don't leave their issues at the door," he says.
But a company's size and resources can impact its ability to address complex and touchy mental health issues, according to Dacri.
Larger companies can tap Employee Assistance Programs, often coordinated through a company's insurance, for additional training and on-site support. "One wouldn't expect employers to have the skill set to deal with these sorts of issues, so that's why a lot of them have reached out to EAPs to help them," says Dacri.
But that option can be too costly for some smaller organizations, an issue that Downing and the Lifeline group hope to address with the pilot program.
"A vast majority of Maine companies are smaller operations, and most do not have an EAP," says Downing. "We feel that the small-business sector is particularly vulnerable because that set of tools is not there for them and they are doing things on their own."
At a conference on workplace depression hosted by MaineHealth last August, Coffee by Design founder Mary Allen Lindemann provided a poignant example of the struggles smaller businesses can face in dealing with mental wellness in the workplace, recounting her experience 12 years ago with a suddenly and severely depressed employee.
"All of a sudden we have a staff member whose behavior changed dramatically and we're trying to figure out what happened and how did we miss the signs," says Lindemann, whose Portland-based chain of coffee shops was the subject of a case study on mental health-friendly workplaces by the U.S. Department of Health and Human Services.
The employee was eventually hospitalized and recovered, but the specter of mental illness continued to hover over the 45-person company, prompting Lindemann to explore the costly but seemingly necessary option of signing up with an EAP.
Signing on with an EAP was a relief for Lindemann, who valued the safety net and reassurance that such programs can provide. "The No. 1 thing for an employer is giving yourself permission to not know all the answers and not beating yourself up if you don't notice the signs," she says.
While the EAP initially saw moderate use, participation fell off in the following years, leading Lindemann to discontinue the service. This is not an anomaly. Downing says studies show that, nationally, EAP utilization rates are less than 5%, a statistic Lifeline hopes to address in its pilot program.
"Then we had a staff member killed in a car accident and someone came to me and said 'Where is the number for that EAP?', and I had to tell them we didn't have it," she says.
Lindemann resolved to find a new EAP for the company, but was discouraged by the price. "All the programs we were looking at were really cost-prohibitive," she says. Those offered by the company's health insurance carrier required a psychiatric consultation, a barrier to use that Lindemann was eager to avoid given the stigma surrounding mental health.
Nationally, prices for EAPs vary considerably by the extent of services offered and whether they are included in general health insurance programs. But a general rule of thumb puts the costs at $20 to $35 per employee per year.
Coffee by Design eventually signed on with an EAP offered through Unum that provided unlimited phone consultation and up to six in-person visits, but Lindemann says it took a little benefits cobbling to piece it all together.
"To get the EAP, we have to pay for life insurance for every staff member [because] one of the add-ons to that is an EAP," she says. "Sometimes you need to get a little creative to get what you want."
As the proprietor of a chain of coffee shops, Lindemann was especially concerned about the mental wellness of her employees from a demographic perspective. A study from NAMI ranks food prep and serving as the industry with the second-highest rate of depression, at 10.3%, trailing only personal care and service, at 10.8%.
Mental health issues in the workplace are by no means limited to the coffee-shop set.
"There is not any industry I am aware of right now that isn't going through some major changes. Many are having to reinvent themselves and that is inherently stressful," says Catharine MacLaren, chief operating officer of Workforce Performance Solutions, the EAP subsidiary of Eastern Maine Healthcare Systems.
Serving over 140 companies of all sizes with mental health training, consultation and critical injury response, Workforce Performance Solutions' business is booming as an uncertain economic climate compounds an already stressful workplace environment.
"We've always been asked to do individual and training work around stress management, but we've seen a real increase in that in the last couple years," says MacLaren, who also sits on the board of the Human Resources Association of Southern Maine and the Maine Employee Assistance Professionals Association.
The Portland-based EAP serves mostly Maine employers with anywhere from 10 to thousands of employees, although MacLaren says the average is closer to the 80-to-150 range.
The state's aging work force is particularly prone to workplace mental health issues, according to MacLaren. "We have many people who have been doing the same job for a very long time who are either not ready or not able to retire and are now being asked to reinvent themselves. That is fraught with issues and while some people find it exciting and challenging, there is still a level of stress there," she says.
MacLaren says marital, financial and legal stressors are some of the leading causes of anxiety, and potential gateways to more dangerous behavior. "Substance abuse goes hand in hand with that because that's one of the ways we cope," she says.
Top-down education on mental wellness is crucial to maintaining a happy and healthy work force, according to MacLaren.
"The supervisory training piece is really crucial," she says. "Unfortunately, the way most organizations are set up, there is no supervisory training for people. They are thrust into new roles without a lot of guidance and people telling them what to do but not how to do it. That creates many problems and when I talked to HR managers, that is their No. 1 pain point."
Regardless of what services an EAP offers, they're useless if employees aren't taking advantage of them because they are embarrassed or uninformed. "The question becomes what is the most effective way to make sure people know about the benefits available to them and encourage them," she says.
MacLaren cites the gender disparity in the employees using such services as one example of how an EAP must carefully target its audience to make sure the word gets out. "Men tend to use counseling services less than women, so if we are looking at an organization that is largely male-based, we will work harder to get that information home," she says.
One of the biggest issues affecting mental wellness in the workplace is the inevitable stigma attached to any perceived mental "illness."
"I think we all recognize that mental illness can be highly stigmatized in our society, so we really see an anti-stigma campaign as being part of the pilot so that we can create higher levels of awareness," says Downing.
Like many EAPs, contact between employees and the program is kept confidential. Employers can find out how often the services are being used, but not who is using them or what is being addressed.
"That stigma doesn't help people to feel any less isolated," says Lindemann. "It's a matter of how do we make sure to let people know they are not alone and will not be judged if they say 'I'm bipolar' or 'I have ADHD.'"
While MacLaren hopes that the Lifeline pilot program will help Maine companies to address mental health issues, she says that just being familiar with the resources available is an important first step in creating a healthier workplace.
"You can't make people use resources, but you can say, 'Wouldn't it be nice to have a resource people can use proactively rather than waiting for a crisis?'"
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text:
Mimail Can Capture Keystrokes
Security Tip: Close Windows Messenger Service Hole
Raise your hand if this has happened to you. You're reading the news at your favorite Web site, and out of no where up pops a window offering to sell you a utility that eliminates pop-ups like the one you're reading. If you're using Windows XP or Windows 2000, and connect directly to the Internet with either dialup or DSL/Cable, you've just seen the Windows Messenger Service in action. This is not related to the MSN Instant Messenger, or Windows Instant Messenger, but to an arcane network utility called Net Send. The Net Send message service allowed network users send little text messages to each other, and was a pre-cursor to today's instant messaging. It is occasionally used by applications for alerts, though most use other means. By default, Windows XP and 2000 both have this service running when you start your computer. When you are connected to the Internet, anyone can send you a pop up message by just knowing your address. These pop-up eliminator vendors have programs that scan through a series of Internet addresses and find computers that have this service turned on. When they find one, they send it a message, hoping you'll spring for the $30 to turn it off. While you could pay the $30 and download their utility, you can also turn off the service by yourself in under a minute for free!
In Windows, you can turn off the Messenger service by clicking on the Start button, then selecting RUN. In the RUN window, type Services.msc and press enter. In the services window scroll down to the Messenger entry ( figure 1 )
Now double-click on the Messenger entry to bring up the Properties window ( figure 2 ) In the Properties window you need to first click the Stop button to end the messenger service. Once the service status say's Stopped, click on the Startup Type dropdown box and select Disabled. Now click on OK. You will be brought back to the Services window and the Messenger will now say Disabled under the Startup Type. You've now blocked these irritating pop-ups from finding your PC. Click on the red X to close the window and you're done.
The fix above can eliminate the problem, though it can sometimes get in the way of legitimate application alert functions from antivirus programs, print spoolers or a UPS device.
If you find that you must keep the Net Send Messenger service running, you can block external messages using a firewall. When using an external or internal firewall you should block inbound NetBIOS and UDP protocol broadcast traffic. When setting up an internal firewall, such as Zone Alarm, you may need to create exceptions for your own subnet, or individual machines that you want to share data with. Windows XP users can enable the built-in Internet Connection Firewall (ICF). You need Windows XP Service Pack 1 (SP1) to block the messenger traffic. For more info on the ICF and messenger blocking, read the Microsoft Knowledge base article 329928.
Windows 2000 users will have to install a 3rd party firewall. More information on Messenger pop-ups is available with Microsoft Knowledgebase Article Q330904.
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The Gregorian mission, sometimes known as the Augustinian mission,was the mission sent by PopeGregory the Great to the Anglo-Saxons in 596 AD. Headed by Augustine of Canterbury, its goal was to convert the Anglo-Saxons to Christianity. By the death of the last missionary in 653, they had established Christianity in southern Britain. Along with Irish and Frankish missionaries, they converted Britain and influenced the Hiberno-Scottish missions to the Continent.
By the time the Roman Empire recalled its legions from the province of Britannia in 410, parts of the island had already been settled by pagan Germanic tribes who, later in the century, appear to have taken control of Kent and other coastal regions. In the late 6th century Pope Gregory sent a group of missionaries to Kent, to convertÆthelberht, King of Kent, whose wife, Bertha of Kent, was a Frankish princess and practising Christian. Augustine was the prior of Gregory's own monastery in Rome and Gregory prepared the way for the mission by soliciting aid from the Frankish rulers along Augustine's route.
In 597 the forty missionaries arrived in Kent and were permitted by Æthelberht to preach freely in his capital ofCanterbury. Soon the missionaries wrote to Gregory telling him of their success and that conversions were taking place. The exact date of Æthelberht's conversion is unknown but it occurred before 601. A second group of monks and clergy was dispatched in 601 bearing books and other items for the new foundation. Gregory intended Augustine to be the metropolitan archbishop of the southern part of the British Isles, and gave him authority over the British clergy but in a series of meetings with Augustine the local bishops refused to acknowledge this.
Before Æthelberht's death in 616 a number of other bishoprics had been established but after that date, a pagan backlash set in and the see, or bishopric, of London was abandoned. Æthelberht's daughter, Æthelburg, marriedEdwin, the king of the Northumbrians, and by 627 Paulinus, the bishop who accompanied her north, had converted Edwin and a number of other Northumbrians. When Edwin died, in about 633, his widow and Paulinus were forced to flee to Kent. Although the missionaries could not remain in all of the places they had evangelised, by the time the last of them died in 653, they had established Christianity in Kent and the surrounding countryside and contributed a Roman tradition to the practice of Christianity in Britain.
The term ethnocentrism was coined by William G. Sumner, upon observing the tendency for people to differentiate between the in-group and others. He defined it as "the technical name for the view of things in which one's own group is the center of everything, and all others are scaled and rated with reference to it." He further characterized it as often leading to pride, vanity, beliefs of one's own group's superiority, and contempt of outsiders. Robert K. Merton comments that Sumner's additional characterization robbed the concept of some analytical power because, Merton argues, centrality and superiority are often correlated, but need to be kept analytically distinct.
Just as it may take "deprogramming" to get out of a "cult" (in the modern meaning) it may take some to get into a cult (proper).
A deprogramming of the norm so to speak.
It is very easy to by way of structuralism and ethnocentrism attempt to apply a teaching or way to ones life that is really nothing more than ones original one in other trappings.
I would say that this is true regardless of weather it is a mystery school such as Thelema, Kabbalah or Raja Yoga or if it is a reconstructivist or ethnic path.
I sometimes find myself struggling with sexual ideas, ideals as to what is "sacred" and what is "profane", the nature of morals, philosophical and cultural ideals and so on that i can clearly see are Christian (despite not having been a Christian for decades), Post-Modern or other strains of philosophy that are part of contemporary mainstream society.
This despite a number of initiations, years of religous practice and study.
This is probably (one reason ) why banishings are so essential to the Ceremonial Magician.
Taking out the trash leaves room for any other work.
Just like when studying another contemporary or ancient culture, the glasses of ones own has to come off.
Paralells that dont exist must be exorcicised and the subject must be studied objectively and with some degree of honesty.
This however also applies to the praxis that might follow.
Just like an ethnocentric antropologist would be more or less studying his own culture, a mystic or reconstructivist stuck in the norm of today would simply be a guy changing robes.
To me that is an insult.
To me that is like acknowledging that heathen (or pagan) really means "Hick" or "yokl".
I am always surprised and get kind of a LARP vibe when i read things like "our folk ways".
Their "indignation" dumbs my customs down. They really have more in common with snake handling Christians (not to be Christian bashing ) than anything that feels "Norse".
These people belong in a heavy metal video.
I am straight but i am also educated and my mother is not married to her brother.
I belive in active studies (of academic material), a living custom through folklore and adapting to modern society while reconstructing.
In short, i am a modern Scandinavian, NOT some "Viking warrior" with a need to preserve my "folk" ("they", regardless of how you count, seem to be doing just fine).
I am simply a person doing my best to live according to a custom such as it presents itself through academia, scientific disciplines (history, archeology, anthropology, linguistics,etymology, semiotics and so on ) ,my own culture and folklore and some philosophical and theological speculation on my own part.
Some of them are Scandinavian. I´m willing to bet they stay clear of blóts of a more mainstream (in lack of a better term) nature.
They would be verbally (at least) and intellectually bitch slapped by pretty much any follower of the custom i´ve known.
The only threat i see to Norse culture and heritage are these circus clowns.
How can anyone take heathenry seriously with these around?
I reblog this because i want to add a few recon and / or etnic religions.
Hope all links work.
Polytheistic reconstructionism (Reconstructionism) is an approach to Neopaganism first emerging in the late 1960s to early 1970s, and gathering momentum in the 1990s to 2000s. Reconstructionism attempts to re-establish historical polytheistic religions in the modern world, in contrast with syncreticmovements like Wicca, and "channeled" movements like Germanic mysticismor Theosophy.
Many practitioners of folk religions live outside of the original cultures and territories from which those historical religions arose, and reconstructonists consequently face the problem of understanding, and then implementing, the worldview of pre-modern rural societies in a modern, possibly urban environment.
Celtic shrine
Asatru – Norse (Please keep in mind that some practices of Asatru differ between Scandinavia and America, partly since the custom never really left here butb stayed in traditions, folklore, placenames and so on. The actual FAITH is the same though).
Hellenismos – Greek
Religio Romana – Roman
Anglo – Saxon Heathenry – Anglo – Saxon
Celtic Revivalism – Celtic
Natib Qadish – Caanaanite
Romuva – Lithuanian
Finnish Paganism – Finland
Estonian Paganism – Estonia
Kemeticism – Egyptian
Slavic Paganism
Chimariy Yüla ( Mari Traditional Religion- Finnic, Russia )
Vattisen Yaly ( Chuvas Religion-Turcic, Russia )
Noaidevuohta (Sami-Norway,Sweden, Finland, Russia )
These are only a few (the biggest) reconstructive religions out there, and dont forget that using terms like "Germanic, Celtic" or "Slavic" are simplifications.
There whyere several tribes of each of these larger ethnic groups and time and geography would mean variations. Even within what is now Sweden there where differences in cult.
The biggest reconstructive polytheistic religion last i checked was Asatru.
There are about a 100 000 Hellenists in Greece, a country that only recently gained religious freedom (ie it was forbidden to be a Hellenist) and a whole lot in the US
Sa c r i f i c e and Sa c r i f i c i a l Ideology in Old Nor s e
Daniel Bray
The practice of sacrifice is often treated as 'the dark side' of Old Norse
heathenism, by both medieval Christian commentators and modern
scholars alike. However, within Norse religious practice, sacrificial
ritual (blot) was one of the most central acts of religious observance.
This paper will seek to examine aspects of the significance of blot
within Old Norse religion, the ideology of sacrifice as it operated
within this tradition and its relation to other Indo-European traditions,
and the reactions to the issue of sacrifice by medieval contemporaries
and modern scholarship
My name is Christine, and I'm originally from America, but moved to Finland in the summer of 2009. For a long time I have been interested in Finnish paganism, but never found many sources out there in English. After I moved here, my knowledge about the practice increased greatly through personal experiences and meeting other Finnish pagans. Now I have created this blog in hopes that I can help other English-speakers gain some more wisdom about this religion.
I am a nerd. I get excited by things like proper grammar and science. I love the study of our natural world and I have always been enthralled by the strict adherence to rules that scientists slavishly attach themselves to. One of the coolest things about this world of science is the Scientific…


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Category: | Red Wine |
Varietal: | Cabernet Sauvignon, Cabernet Franc, Merlot, Petit Verdot |
Region: | California » Napa Valley |
Producer: | Anderson's Conn Valley Vineyards |
Anderson's Conn Valley Vineyards
Deep, full and layered with incredible concentration. Lush fruit, and full bodied flavors of chocolate dipped- black cherries, currents and plums. Toffee, mocha and spices round out the profile.
Wine Advocate
Remarkably, the 2008 Eloge may be as compelling. Composed of 55% Cabernet Sauvignon, 25% Cabernet Franc and the rest Petit Verdot and Merlot, it exhibits a dense opaque purple color followed by aromas of espresso roast, cassis, blueberries, licorice and lead pencil shavings. Deep, full and layered with phenomenal concentration and purity, this wine satisfies both the hedonistic and intellectual senses. It should drink well for 15-20 years.
Score: 96-98. —Robert Parker, December 2010.You may also like:
Château Montelena Napa Valley Chardonnay 2010
E. Guigal Châteauneuf du Pape 2007
All sizes are 750mL unless otherwise noted.
Vintages and ratings subject to change at any time.
All pricing and availability subject to change.
Please note that the pictures on this site are for illustrative purposes only and do not necessarily indicate the item being sold.


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Nov. 10, 1928 - Nov. 7, 2012
Dorothy "Dolly" Simpson of Bend, OR, began her new journey on Nov. 7, 2012. She will be fondly remembered by many for her strong will, love of life and sense of humor. Many will remember her "Dollyisms".
Dolly was born and raised in Brooklyn, N.Y., moved to Arizona with her lifelong friend and spouse, Milton "Bud" Simpson. She moved to Bend, OR in 1992. She is survived by daughters and sons-in- laws, Carolyn and Joe Hendrych, and Dorothy and Tim Grace; her grandsons and their wives, Joseph and Heather Hendrych, and Terrence and Yvette Hendrych; her great-grand daughters; and great dog.
A celebration of her life will be held at a future date for close friends and family.
The family wishes donations be made to Partners In Care Hospice, Bend OR.
We all say goodbye to a "Classic Lady". We love you. Please sign our online guest book at www.niswonger-reynolds.com


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History Scholar Award
Fifteen top American history college seniors will be selected as Gilder Lehrman History Scholar Award winners.
- Spend a weekend in New York City from June 7 to June 10, 2013.
- Participate in a program of special presentations, including meetings with eminent scholars.
- Experience exclusive behind-the-scenes tours of historic archives.
- Receive the History Scholar Award at a celebratory dinner hosted by the Gilder Lehrman Institute in New York City.


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Litigation Lawyers, Law Firms District of Columbia (DC)
Litigation Firms in District of Columbia by City
District of Columbia Litigation Attorneys
Douglas & Boykin PLLC
Washington, DC Litigation Law Firm
(202) 776-0370At Douglas & Boykin PLLC, our Washington, DC business lawyers handle cases involving nonprofit and charitable organizations, government litigation, government contracts, employment law and other types of complex criminal matters.
When Douglas & Boykin, PLLC, a minority-owned...
The Law Office of Michael E. Kondoudis
Patent & Trademark Law Firm in Washington, DC
(202) 349-9850The Law Office of Michael E. Kondoudis, a Washington, DC law firm, focuses exclusively on patents, trademarks and copyrights. Our firm helps individuals, businesses and clients of other law firms protect their patentable inventions. We serve domestic and international clients looking...
Schultz & Trombly, PLLC
Washington, DC Personal Injury and Medical Malpractice Attorneys
(202) 769-0293Schultz & Trombly, PLLC, is a personal injury law firm dedicated to helping people who have been injured because of someone else's negligence or wrongful conduct. Our experienced lawyers handle cases involving catastrophic injury, medical negligence, personal injury, and wrongful...
Law Firm's OverviewSamuelson Law Offices, LLC
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(202) 494-0848Samuelson Law Offices, LLC is a boutique law firm located in Washington, DC and Maryland. It focuses in the areas of commercial real estate, business bankruptcies and restructurings, and cybersecurity transactions and litigation.
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Lewis Saul and Associates
Washington, DC Personal Injury and Pharmaceutical Law Firm
(888) 747-5342Lewis Saul & Associates, P.C. is located in Washington, DC. We started our practice thirty-two years ago and opened our principal office in Portland, Maine in 1996. Our practice is nationwide and almost exclusively devoted to complex pharmaceutical and medical device mass tort...
Law Firm's OverviewMesirow & Stravitz, PLLC
Personal Injury Lawyers in Washington, DC
(202) 463-0303Mesirow & Stravitz, PLLC is a Washington, DC injury law firm representing clients in wrongful death cases, bicycle accidents, car accidents, pedestrian accidents, medical malpractice cases and premises liability cases.
Law Firm's OverviewRose Legal Advocates, P.C.
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(888) 413-2586McClanahan Powers, PLLC, based in Fairfax County, Virginia and Washington, DC, is a full-service legal firm for business and commercial law, intellectual property, and estate planning. We handle legal issues across the Commonwealth of Virginia, the District of Columbia and nationwide....
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Brent Long leads Kandy Waters Memorial Classic
North Augusta, S.C. – (March 16, 2013) – NGA TOUR veteran Brent Long
carded a 1-under 71 in the third round of the Kandy Waters Memorial
Classic on Saturday to move atop the leaderboard at Mount Vintage
Plantation Golf Club.
After starting the third round in a tie for the lead, Long, a Western
Kentucky alum from Carthage, Tenn., posted five birdies and four bogeys
on Saturday to move into the outright lead at 4-under par. Long, who is
searching for his first NGA TOUR Pro Series victory, leads Justin Lower
by single stroke.
Lower, a former Malone University standout from Canal Fulton, Ohio, was
one of the few golfers to go low on the testy layout on Saturday. The
2013 NGA TOUR winner posted six birdies and one bogey en route to a
5-under 67 in the third round. After an opening-round 77, Lower is
8-under par over the last two rounds.
Former University of Louisville golfer Riley Wheeldon of Kissimmee,
Fla., shot a 2-under 70 in the third round to move into a tie for third
at 2-under par with Florida Southern alum Brian Richey, who fired a
1-under 71 on Saturday.
Auburn alumnus Patton Kizzire of St. Simons Island, Ga., posted a
1-under par 71 in the third round and will start Sunday in sixth place
at 1-under par, while Joseph Ida (72) and Will McCurdy (73) begin the
final round T5 at even par.
Jon Duthie (71), Jonathan Bartlett (73) and Derek Rende (74) are T8 at
1-over par. Ben Silverman (73), Paul Apyan (72) and 2013 NGA winner Jon
Curran (72) are T11 at 2-over par going into the final round.
The final round of the $200,000 Kandy Waters Memorial Classic will
begin at 7:30 a.m. on Sunday. As usual, admission is free to the public.
The NGA Pro Golf Tour is the No. 3 Men's Professional Golf Tour in the
United States after the PGA and Web.com Tours and is the No. 1
recommended developmental tour by more PGA and Web.com Tour
The NGA has helped hundreds of professionals acquire their PGA TOUR,
Euro, Web.com, and Champions Tour cards. In fact, NGA alumni have won an
incredible Fifteen (15) "Major" Championships.
NGA alumni include: 2012 Masters champion Bubba Watson; 2011 PGA
Championship winner Keegan Bradley; 2010 PGA TOUR Player of the Year and
2003 US Open Champion Jim Furyk; 2009 British Open Champion Stewart
Cink; 2009 U.S. Open Champion Lucas Glover; 2007 Masters Champion Zach
Johnson; 2003 PGA Champion Shaun Micheel; 2003 British Open Champion Ben
Curtis; two-time U.S. Open Champion Lee Janzen; British Open and PGA
Champion John Daly; British Open Champion Tom Lehman; PGA Champion David
Toms; 2003 Tour Championship Winner Chad Campbell; 2010 NGA Player of
the Year Michael Thompson; 2012 PGA TOUR winners Mark Wilson, George
McNeill, Ted Potter Jr., Scott Stallings and Scott Piercy.
The NGA Pro Golf Tour, established in 1988, predates the Web.com Tour
as the longest running developmental tour in golf. In 2012, the NGA TOUR
became the "Official Partner of the 2012 Reno-Tahoe Open" and secured
one PGA TOUR and six Web.com Tour event exemptions for its members, the
most in developmental golf.


text:
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Cover Verse:A Passover Wishfor You,Ellen and David...Inside Verse:This brings a wishfor an especially happy Passoverand all the good thingslife has to offer.


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History of Congress and the Capitol
This is the story of one of the world's great experiments in government by the people.
For more than two centuries, a new Congress has convened every two years following elections that determine all the seats in the House and one-third of those in the Senate. While the individuals change, the institution has endured-through civil and world wars, waves of immigration and great migrations, and continuous social and technological change.
The Congress we know today was created after the failure of a government under the Articles of Confederation, which left most powers to the states. In 1787, a convention of specially selected delegates proposed a new constitution that strengthened the national government and established a representative branch composed of a House and Senate.
From the beginning, the two bodies of Congress were meant to be different, yet interdependent. James Madison said they would be "as little connected with each other, as the nature of their common functions, and their common dependence on society, will admit." As a result, the House and Senate have different rules, traditions, and cultures. Yet in their shared responsibilities they function as the nation's single lawmaking body.
Most Americans greeted the 20th century with optimism. The early decades saw economic growth and the expansion of democracy as women gained the vote. But two world wars, the Great Depression, and the nuclear age later tested such confidence.
World War I brought a new global perspective. It shifted attention from economic growth and expanding democratic institutions at home to the nation's place in the larger world. When the war ended in 1918, Congress debated America's role in global peacekeeping. Disputes with the president, and a postwar absence of public support for further international involvement, kept the Senate from approving U.S. participation in the League of Nations. After the devastation of World War II, this view changed, and Congress supported the establishment of the United Nations and joint mutual defense organizations such as the North Atlantic Treaty Organization. At home, Congress addressed the crisis of the Great Depression, beginning with an outpouring of economic recovery legislation in the first 100 days of its 1933 session.
Throughout these great transformations, the Capitol itself remained unchanged—although its campus grew with the addition of six new buildings.
Confronting Crises at Home and Abroad
World War I and the Great Depression presented new challenges to America, and to the Senate. To deal with these crises, Presidents Woodrow Wilson and Franklin D. Roosevelt demanded more authority—which shook the balance of power between the branches. What was the Senate's proper role?
Members debated giving too much power—or too little—to the president in times of national crisis. In 1941, the attack on Pearl Harbor temporarily ended this debate in favor of the president. The national unity of World War II also helped forge a bipartisan foreign policy.
Limiting Debate, Flexing its Muscle
To hasten a decision on entering World War I, the Senate for the first time reined in its tradition of unlimited debate. After the war, the Senate—disagreeing bitterly with President Woodrow Wilson—rejected the Treaty of Versailles and League of Nations that Wilson had helped negotiate. As the issues confronting the Senate grew in number and complexity, members for the first time elected formal party floor leaders to manage the chamber's legislative agenda. In this era, Senate committees expanded their investigations of actions by the executive branch, climaxing with a World War II inquiry into how money is spent for national defense. Later, senators explored how best to strengthen Congress against the continued increase in presidential power.
Louis D. Brandeis, ca. 1910
Louis D. Brandeis, ca. 1910
Prints and Photographs Division, Library of Congress
In this early 1930s image of the Supreme Court in its Capitol quarters, Justice Brandeis, seated third from the left, concentrates on a counsel's argument.
In this early 1930s image of the Supreme Court in its Capitol quarters, Justice Brandeis, seated third from the left, concentrates on a counsel's argument.
Bildarchiv Preussischer Kulturbesitz / Art Resource, NY, Photo by Erich Salomon, June 1932.
Louis D. Brandeis—called the "People's Lawyer"— had built a national reputation by fighting monopolies and defending consumers. He also was the first person of Jewish descent nominated to the Supreme Court. In the furious 1916 confirmation battle, opponents of the controversial lawyer, some veiling their anti-Semitism, called Brandeis a dangerous radical lacking judicial temperament.
The Senate Judiciary Committee held unprecedented public hearings on the Brandeis nomination. Prominent witnesses assailed Brandeis as unfit to serve. President Woodrow Wilson staunchly defended his nominee as "a friend of all just men and a lover of the right." The Senate ultimately confirmed Brandeis by a vote of 47–22. During his 23 years on the bench, Louis Brandeis earned a place as one of the Supreme Court's most respected and influential members.
"... a friend of all just men and a lover of the right."
—President Woodrow Wilson, describing Louis D. Brandeis, May 5, 1916
Senators assemble outside the Capitol for a ceremony in September 1918. The Senate would soon become embroiled in a bitter debate over ratification of the Treaty of Versailles.
Senators assemble outside the Capitol for a ceremony in September 1918. The Senate would soon become embroiled in a bitter debate over ratification of the Treaty of Versailles.
U.S. Senate Historical Office
The Gathering Storm, cartoon by Rollin Kirby, 1919
Foreign Relations Committee Chairman Henry Cabot Lodge faces a "gathering storm" of public opinion demanding Senate approval of the Versailles Treaty.
Prints and Photographs Division, Library of Congress
President Woodrow Wilson sailed to Europe to negotiate the Treaty of Versailles, setting peace terms concluding World War I and establishing the League of Nations. He failed to make peace with opponents back home. The Senate, exercising its constitutional duty to provide "advice and consent," twice rejected the treaty.
The Democratic president had not consulted key lawmakers in the Republican-controlled Senate—particularly Henry Cabot Lodge of Massachusetts, the powerful Chairman of the Foreign Relations Committee. Senator Lodge offered 14 amendments to Wilson's treaty. The president refused to compromise. Instead, Wilson embarked on a national speaking tour to win public support. While traveling, however, he suffered a physical collapse, which led to a paralyzing stroke. Without Wilson's leadership, the treaty went down to defeat in the Senate, and America never joined the League of Nations.
Work with Care, by Nathan Sherman, 1936
Workplace safety posters sponsored by the Works Progress Administration (WPA) were an example of federal support for the arts.
Prints and Photographs Division, Library of Congress
In 1935, Congress provided $1.4 billion to fund WPA projects, such as construction of prefabricated buildings, intended to create more permanent employment.
In 1935, Congress provided $1.4 billion to fund WPA projects, such as construction of prefabricated buildings, intended to create more permanent employment.
Prints and Photographs Division, Library of Congress
The crisis of the Great Depression demanded action. During his 1932 presidential campaign, Franklin D. Roosevelt advised: "Take a method and try it. If it fails . . . try another. But above all, try something." When Congress convened on March 9, 1933, it joined President Roosevelt in a flurry of legislation to restore America's confidence and prosperity.
On the first day, Congress passed, and the president signed, emergency banking relief. In the weeks ahead, senators and representatives approved bills creating public-works jobs, insuring bank deposits, refinancing home and farm mortgages, reorganizing railroads, stabilizing prices and wages, establishing power plants and flood control projects, and helping farmers sell surplus crops. The session lasted 100 days—a creative burst of energy that initiated economic recovery and established a more activist role for the federal government.
"Take a method and try it. If it fails ... try another. But above all, try something."
— President Franklin D. Roosevelt, May 22, 1932
The Truman Committee is shown meeting in the Senate Caucus Room, 1943. The Truman Committee is shown meeting in the Senate Caucus Room, 1943.
The Truman Committee is shown meeting in the Senate Caucus Room, 1943.
U.S. Senate Historical Office
Letter to Harry Truman, 1943
This letter from a citizen thanks Senator Truman of Missouri for chairing the investigation into defense-contract fraud. Respected for his thoroughness and determination, Truman became the Democratic vice presidential nominee in 1944.
Records of the U.S. Senate, National Archives and Records Administration, Washington, D.C.
National defense was critical on the eve of World War II. Congress worried about possible waste and mismanagement in military preparations, and wanted to ensure that defense dollars were spent wisely. Senator Harry Truman of Missouri chaired a Special Committee to Investigate the National Defense Program (popularly called the Truman Committee).
Truman Committee hearings exposed abuses while encouraging industry, labor, and government to cooperate. Though scrutinizing military matters, the committee avoided interfering in military strategy. Truman's tireless investigations won praise for improving defense production and saving millions of dollars. They also won Truman national attention—and the 1944 Democratic nomination as vice president. Truman became president in 1945, after Franklin D. Roosevelt's death. His committee, meanwhile, continued after the war as the Senate's Permanent Subcommittee on Investigations.
"Everyone connected with the national-defense program should have a patriotic interest in seeing that it is properly carried out."
— Senator Harry Truman of Missouri, February 10, 1941
Additional information for The Senate - 1913-1945
Bible Given to Reporters of Debates
In 1934, Senator Huey P. Long donated this King James Bible to the official Reporters of Debates, so that they could accurately attribute the passages he used in his Senate floor speeches. Reporters traditionally sign this Bible as seen in the photograph below.
Second image: Eight Reporters of Debates work a 10-minute shift each on the Senate floor.
Collection of the U.S. Senate
Hattie Caraway 1878–1950, Arkansas
Hattie Caraway became the first woman elected to the Senate. She was appointed to her husband's seat after his death in 1931. But to everyone's surprise, she won a special election and a general election in 1932. She was also the first woman to chair a Senate committee and to preside over the Senate.
Prints and Photographs Division, Library of Congress
Records of the U.S. Senate, National Archives and Records Administration, Washington, D.C. -
Rebecca Felton 1835–1930, Georgia
Appointed to fill a vacancy, Felton became the first woman senator—at the age of 87! In her only Senate speech, she predicted: "When the women of the country come in and sit with you ... you will get ability ... integrity of purpose ... exalted patriotism, and ... unstinted usefulness."
Rebecca Felton served just two days in the Senate, as her successor had already been elected. In her only floor speech, Felton anticipated the election of more women.
Rebecca L. Felton, photograph by Herbert E. French, National Photo Company, 1922
Prints & Photographs Division, Library of Congress -
Dennis Chavez
The first Hispanic elected to both houses of Congress, Dennis Chavez chaired the Senate Committee on Post Offices and Post Roads, and the Committee on Public Works, where he promoted the building of the interstate highway system and an international highway to link the United States with Latin America.
Photograph by Harris and Ewing, February 28, 1949
Prints and Photographs Division, Library of Congress -
Joseph Robinson 1872–1937, Arkansas
Admirers and enemies likened Robinson to a bull elephant that could trample his foes into submission. As Senate majority leader, Robinson used his powerful personality to drive President Franklin D. Roosevelt's New Deal agenda through the Senate. His sudden death in 1937 robbed the president, the Democratic Party, and the Senate of his unifying force.
Senators Joseph T. Robinson (center), Carter Glass (left), and Cordell Hull (right), photograph by Underwood & Underwood, 1924
Prints and Photographs Division, Library of Congress -
Robert Taft 1889–1953, Ohio
Taft was known as "Mr. Republican." One observer noted, "Congress now consists of the House, the Senate, and Bob Taft." Despite his influence, Taft preferred working behind the scenes, resisting the role of majority leader until late in his career. He finally accepted the position in 1953 but died seven months later.
Robert A. Taft, photograph by C.F. Townsend, 1940
Prints and Photographs Division, Library of Congress -
Senate chamber, ca. 1949
In 1940, a steel framework was erected in the Senate Chamber to support the unstable 1850s ceiling. Supported by beams visible along the gallery level, the framework was removed when the new ceiling was built in 1949.
Prints and Photographs Division, Theodore Horydczak Collection, Library of Congress


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Shaolin Warriors
Returning by popular demand! Performed by disciples of the Shaolin schools in China, the Shaolin Warriors are admired across the globe for their exemplary discipline and ferocious martial arts prowess. These masters of Kung Fu have trained from a very young age in both mental and physical disciplines and routinely test the limits of the human body by performing extraordinary feats with extreme precision. This stunning production showcases the intricate technique, astounding imagery, and lightningquick movement of Shaolin Kung Fu that will amaze audiences of all ages.


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Mortgage arrears increase again
More than one in ten homeowners are in financial difficulty with their mortgages, according to new figures published by the Central Bank today, which also show a rise in arrears on buy-to-let mortgages.
The percentage of mortgages in arrears of 90 days or more increased to 11.3 per cent or 86,146 of the 761,954 private residential mortgages in the country, during the three months ended September, compared with 10.6 per cent or 81,035 mortgages at the end of June. Some 67,401 accounts were in arrears of more than 180 days at the end of September.
The number of early arrears cases also increased during the third quarter of 2012, reversing the trend of the previous two quarters.
The figures show that 49,482 private residential mortgage accounts were in arrears of less than 90 days at the end of September, reflecting a quarter-on-quarter increase of 4.9 per cent.
Figures on buy-to-let (BTL) properties, published for the first time today by the Central Bank, indicate that 26,770 (17.9 per cent) of BTL accounts were in arrears of more than 90 days as at the end of September.
By value, the amount of mortgage debt in arrears of 90 days or more totalled €16.8 billion or 15.1 per cent of the €111.2 billion owing on Irish residential mortgages, while the outstanding balance on buy-to-let mortgage accounts in arrears of more than 90 days was €7.9 billion at end-September, equivalent to 25.5 per cent of the total outstanding balance on all BTL mortgages.
A total of 81,683 private residential mortgage accounts were categorised as restructured at end-September 2012, according to the figures. Nearly half of these were in arrears of varying lengths.
The restructuring of mortgages involves the switching to an interest-only mortgage, a reduction in the payment amount, a temporary deferral of payment, an extension to the term of the mortgage or capitalising arrears amounts and related interest.
Speaking in Brussels ahead of a European leaders' meeting, Taoiseach Enda Kenny said there had been scaremongering about the impact of the Government's decision to lose a legal loophole that prevented banks repossessing the homes of defaulting borrowers who had taken out their mortgages before 2009.
"There was some Opposition scaremongering that this could lead to a rash of house repossessions. This is not the case at all. Obviously there are statutory rights in respect of banks lending for very many decades that apply here. No one wants to see houses repossessed."
He said the level of repossessions in Ireland had actually been very small.
Government, in agreement with the Troika, has agreed to close the loophole which prevents banks foreclosing on certain properties.
The flaw became apparent in a 2011 judgment by Judge Elizabeth Dunne.
The Taoiseach said the Government's personal insolvency bill, once operational, will also offer another opportunity to deal with mortgage distress.
Minister for Justice Alan Shatter yesterday said the Government was aware of "the real and significant difficulties some mortgage holders are facing" and was committed to advancing appropriate measures to assist those mortgage holders who are experiencing real and genuine difficulty.


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Design #108706 Wholesale champagne quartz .925 Sterling Silver Earrings 1 1/2"
Handcrafted from champagne quartz gemstones with a faceted oval cut (10mm x 12mm) with pure sterling silver (925 stamped) and silver around the gemtones. Total weight is 5 grams. Total hanging length: 1 1/2".
Availability: IN STOCK E-mail a friend | Return to Catalog
Copyright © 2013 Hand Trades - Partners with Independent Artisans. All Rights Reserved.


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Self Tanners -Nivea - Sun Kissed Radiant Skin Fair to Medium
shamuball 5/16/2013 9:55:00 PM
if this actually worked, i might forgive the smell. i'm NC25; i only use this on my legs b/c the rest of me somehow manages to get color in the sun. due to the smell i can only stand to apply this 2-3 times a week, always after exfoliating/shaving. haven't noticed any color change, which i guess is better than orange/streaky, but not worth paying $ for. it's also not especially moisturizing, but i have dry skin + live in the desert. the previous reviewer mentioned covering the smell w/another scented moisturizer, but i typically don't like scented moisturizers, so that doesn't work for me. the smell starts off chemically fruity and ends up just plain chemically. no one else has commented on it (not that ppl sniff my legs that often), but it's enough to distract me at work.
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Polishes -Unlisted Brand - RGB Camel
shamuball 5/14/2013 9:10:00 PM
this seems slightly darker than how i picture a nice camel coat, but it's a slightly pink lt beige creme. i'm NC 20/25; when i tried this in the winter it looked awful on my hands, corpse-like, but i tried it again in may after i'd gotten some sun, and i like it so much more. streaky gloppy application, but maybe i just don't know how to apply creams.
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Styling Products -Bumble & Bumble - Tonic Lotion
shamuball 5/13/2013 10:26:00 PM
nice for refreshing my hairstyle (tousled, styled messy), but i don't like how it makes my hair sticky.
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Styling Products -Josie Maran Cosmetics - Bohemian Waves
shamuball 5/13/2013 10:12:00 PM
ok let me kill this lemming for you right now: this adds zero texture to my short hair. maybe it'd be better for long hair? but i might as well be spraying scented water on my hair. also, salt is pretty far down on its ingredients list, so i don't know what's supposed to be making the texture. pros: light scent, doesn't last; spray bottle sprays a wide, fine mist- so wide + fine that i can't tell how much of it is landing on my head and how much on my bathroom tiles. BB salt spray is still the gold standard for me.
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Styling Products -Redken - Rough Paste
shamuball 5/11/2013 11:44:00 PM
not crazy about this. i have short spiky hair + am hunting for a great wax. pros: medium hold doesn't make hair look stiff cons: 1. smell is kind of floral chemical, but not overpowering; 2. the dispenser is so weird! you push up from the bottom of the bottle, then press a button on top that dispenses the paste. the first few times i ended up w/way too much product on my fingers b/c i pressed too hard or pushed the bottom too far up or something; 3. takes a while to emulsify on fingers + can leave white streaks in your hair, which go away when worked in, but that means more minutes spent on hair.
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Cleansers -L'Occitane - Extra-Gentle Cleansing Water
shamuball 5/10/2013 11:55:00 AM
this doesn't do anything for me. it's definitely not a m/u remover; doesn't take off my eye m/u but smears it around my skin nicely. i also don't notice any toning; it might as well just be tap water. i don't notice a scent, which is good for me.
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Treatments -Murad - Acne Treatment Concealer
shamuball 4/26/2013 1:35:00 PM
on the hunt for a correcting concealer. at this point (i'm 35) i get zits 1-2x a month, but when i do, they're giant red pulsing monsters. this one does not shrink anything magically for me, but it seems to match my skin well enough, **edit: i've decided this is a shade light on my skin, so i just try to apply a super light layer + blend in. wish there was a shade between light + medium.** NC25 olive asian skin (can't believe they only make 2 shades!). lasts a few hours and slides off in sweat. i'll use it up because it's an ok concealer and i can pretend it's helping my acne, but the search continues.
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Treatments -OPI - Nail Envy Original
shamuball 3/25/2013 7:45:00 PM
this does nothing for my nails. i started using it as a base coat after my nails started flaking, but it does not make a difference (maybe it keeps it from getting worse?). i don't notice a yellow tint, though it is yellow in the bottle.
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Lotions/ Creams -Curel - Intensive Healing Daily Fragrance-Free Cream for Extra-Dry/Sensitive Skin
shamuball 3/20/2013 11:48:00 PM
i've always had dry skin, but i've been able to manage without thick, heavy creams. then i moved to the desert, and i was having to reapply throughout the day, all over my body, which is annoying. i was hoping to find a cream that would keep me moisturized for 24 hours, but this one does not do that; i still have to reapply twice a day. i like that it is fragrance-free, but it is very greasy and sticky, which i'd be fine with if i didn't have to reapply it.
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Lotions/ Creams -Philosophy - Amazing Grace Firming Body Emulsion
shamuball 3/16/2013 12:47:00 PM
i don't believe this has any firming properties, but the scent actually lasts longer on my skin than the edp.
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Lip Treatments -Fresh - Sugar Rose Lip Treatment SPF 15
shamuball 3/7/2013 11:09:00 PM
Whoever is in charge for marketing for Fresh should get a gold medal. I find their products consistently average at best, yet I'm still drawn to the packaging. I love the metal tubes of lip gloss, but the packaging is the best feature. The rose doesn't show up on my pigmented lips and it's not especially more moisturizing than Nivea lip balm. Save your $$ for something else, if you can resist the packaging :)
1 out of 1 people found this review helpful. Was this review helpful to you? Yes No
Toners -Kiehls - Herbal Blue Astringent
shamuball 2/21/2013 7:36:00 PM
this is too harsh to use as an all-over toner for my combo/dry skin, so i use it just on my nose + chin, a few times a week. i find when i used it on more areas of my face, i'd end up feeling oilier later. would not repurchase. **edit: added a star because as a spot treatment, my skin seems to have gotten used to it and doesn't seem extra oily as before. not a staple, but i think it helps a little in combination w/other products.**
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Moisturizers -Kiehls - Blue Herbal Moisturizer
shamuball 2/21/2013 7:32:00 PM
this works great for me as a night time spot treatment! i haven't found it to be overly drying, but like i said, i don't apply all over my face. i started getting big zits in my 20's (why??) but since i started using this, i haven't had anything truly hideous. i only use it on my nose, chin + anywhere a pimple seems to be forming. too bad i can't use it during the day b/c it can dry into a light white powder that balls up under other products. would buy again, except this will last me years as a spot treatment.
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Eye Shadow -Laura Mercier - Eye Basics - Wheat
shamuball 2/14/2013 10:49:00 PM
Surprised by the high ratings. I wanted to use this as a primer, but my e/l slid under my eyes. When I use the same e/l w/my Lumene primer, I did not have this problem. I also did not notice any improvement in e/s color on top of this product. Too pricey to be a mediocre primer. Wheat was a good match for my NC25 skin.
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Styling Products -LUSH - Sea Spray
shamuball 2/10/2013 10:47:00 PM
I'm returning this. It's basically just hair perfume, and I don't like the scent- too floral for me, and it's really strong. It doesn't add texture to my fine/medium chin length hair, though the SA in the store swears by it, but her hair is gorgeous to begin with.
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Track: Duo Performs Well at Penn Relays
In her first appearance of the outdoor season, Christopher finished in sixth place in the race with a career-best time of 9:47.86, beating her old mark of 9:51.85 from the 2010 outdoor season. The Kingwood, W.Va., native competed in the 600-meter run at the Sykes & Sabock Challenge Cup during the indoor season and also competed in the relays at the BIG EAST Indoor Championships in March. Propst ran her first career 3,000-meter with success by placing 17th in 10:13.56, meeting a personal goal of finishing under 10:20 for the race. The Elkins, W.Va., native had competed in the 1,500-meter and 800-meter earlier in the outdoor season, including a season-best 4:40.90 in the 1,500-meter two weeks ago at the Jesse Owens Classic. The Mountaineers continue action this weekend as throwers Terina Miller, Heather Adams, Alanna Pritts and Karissa Knabenshue compete Friday and Saturday at the Ashland Alumni Open in Ashland, Ohio. The women's elite hammer throw is scheduled for Friday at 11:30 a.m., with the women's open hammer throw slated for approximately 2 p.m. The discus throw is scheduled for Saturday at 10 a.m., while the shot put is set for approximately 10:30 a.m. A schedule of events for the Ashland Alumni Open can be found at finishtiming.com. The BIG EAST Outdoor Championships run from May 4-6 in Tampa, Fla. Tags WVU track and field |


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Storage Wars: Volume Four DVD
List Price: $19.95
You Save: $2.00 10% off
This item is eligible to ship to Canada.
To Order by Phone Call 1-800-933-6249
- Additional Details
- Format: DVD
- Rating: Not Rated
- Run Time: 368 Minutes
- Region: 1
- Studio: Lions Gate
- DVD Release Date: February 12, 2013
- Cast: Barry Weiss , Darrell Sheets , Dave Hester
- Genre: TV Series
- Release Date: 2012
Everyone's favorite modern-day treasure hunters continue on their quest for the extraordinary in 16 action packed all-new episodes of dramatic bidding, intense rivalries and high-stakes entertainment. Storage Wars, follows teams of bidders looking to score it big in the high stakes world of storage auctions.


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Retailer Startup Packages
If you're thinking about stocking Indigo Herbs' products in your shop or online store and you're looking for a good deal to get you started, take a look at these amazing start up bundles we have put together. We have bundled together the best selling products from our best selling ranges and discounted each of them by £50 over and above our already generously discounted wholesale prices.
Organic BEST SELLING Superfood Package
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- Organic Wheatgrass Powder 500g x 3
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Organic BEST SELLING Raw Chocolate Package
Save £50
- Cacao Pure Raw Criollo Powder 250g x 6
- Cacao Pure Raw Butter 250g x 6
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- Cacao Pure Raw Nibs 250g x 6
- Agave Raw Organic Syrup 250ml x 6
Love Your Liver
Formulated by Nutritionist David Ash, this blend of superfood powders is fortified with vitamins, minerals and Amino Acids to provide complete liver health nutrition.
Trade with us
We offer a trade relationship for businesses who want to retail Indigo Herbs Products or buy ingredients in bulk. As an established business with many years of experience in the industry, you can trust us to deliver excellent quality products, on time and provide great value for you and your customers.
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Over 7 years of quality production experience
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