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Investigators are examining the phone call made to Captain Zaharie Ahmad Shah, the pilot of the missing Malaysia Airlines flight MH370, a few hours before take-off from a fake number.
The phone number, from which the phone call was made, was bought under the stolen identity of a woman, Malaysian authorities told Mail Online.
The telephone conversation, between Shah and the unidentified person before the flight, lasted for about two minutes and it was one of the last conversations.
The authorities appear to be giving much weight to the phone call as it was made from an unknown pay-as-you-go SIM card number in Malaysia.
Meanwhile, the investigators are also trying to examine Shah's family including his estranged wife Faizah Khan. Though separated, she shares the same roof with Shah. She has not been approached by the police for the past two weeks, but the Malaysian authorities are increasingly under pressure from FBI officials to question her.
"Faizah has been spoken to gently by officers but she has not been questioned in detail to establish her husband's behaviour and state of mind in the days leading to the incident. This is partly for cultural reasons. It is not considered appropriate in Malaysia to subject people in situations of terrible bereavement to the stress of intensive questioning," a source told Mail.
Blaze Article
"Investigators are treating it as potentially significant because anyone buying a pay-as-you-go [prepaid] SIM card in Malaysia has to fill out a form giving their identity card or passport number," the British paper wrote.
It was a call used to activate a MKUltra drone using a specific word(s). Such as a landmark the pilot will see or perhaps a standard radio signal or transmission from a tower, unbeknownst to either the pilot or the tower rep.
i may be missing something ,but didnt the pilot have his phone on him?
reply to post by vkey08
For once we can agree on something, the weirdness of this whole situation! It is so strange it is even difficult to begin to speculate.......which usually I have no problem doing...
i may be missing something ,but didnt the pilot have his phone on him?
Well yes of course in order to receive the call from the number that was bought using a fake identity. I don't really understand why you are asking that question ? Have I missed something ?edit on 23-3-2014 by WeSbO because: (no reason given)
reply to post by vkey08
Question -
Has the pilots wife / child been located and interviewed? Last I saw was they moved out a day prior to the flight.


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Meal Plan Office
106 Dougherty Hall
(610) 519-4170
The Bartley Exchange offers delicious gourmet entrees made with the freshest ingredients as well as Wall Street inspired sandwiches such as "The NAZSTACK" and "THE BLEU MARKET SPECIAL", all made with quality ingredients such as Boar's Head meats and cheeses. The Commons in Driscoll Hall is convenient for nursing students and offers all of Holy Grounds coffee shop items as well as assorted sandwiches, salads and soup at lunch time.
For an additional $365.00 you can now upgrade any meal plan to allow you to use your MPE's in The Exchange, or in The Commons also included with the upgrade is an additional $80.00 in food points. Daily MPE restrictions apply as specified in each meal plan and each MPE used will deduct a meal from your meal balance. This is a limited offer, in order to avoid overcrowding and long waits at The Exchange or The Commons we will be offering a limited number of MPE upgrades for each location. Once they are sold out they will no longer be available for the semester.
The Bartley Hall Exchange or Driscoll Commons Upgrade
For an additional $360.00, enjoy an exclusive Dining Experience in Bartley or Driscoll Hall using your Meal Plan. Sign up when registering for your meal plan.
106 Dougherty Hall
(610) 519-4170

subset: commoncrawl


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Feb 15, 2011
One of iOS's biggest games has been Words With Friends. The Scrabble-inspired word game, developed by Newtoy, has been successful enough that it has been a perennial top selling app on the iPhone App Store, including reaching back up to #5 this past week as the Verizon iPhone 4 released. Newtoy has become successful enough because of the game to have collaborated with major mobile publisher ngmoco:) on social farming game We Rule (which has become a lucrative franchise for ngmoco:) on iOS), and this past year, Newtoy was acquired by social gaming giant Zynga, of Farmville fame. A big impetus for this acquisition is to get Words With Friends outside of the confines of iOS, as Words With Friends is now available on Android.


text: ok so if i installed backup launcher 0.3 beta with cios installer that came with it... then if i want to update to 0.3 gamma, what's the process? do i have to uninstall cios first then install cios installer that comes with 0.3 gamma? or can i just install 0.3 gamma + cios installer without worrying about it?


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AWS services or capabilities described in AWS Documentation may vary by region/location. Click Getting Started with Amazon AWS to see specific differences applicable to the China (Beijing) Region.
Initiates the asynchronous execution of the VerifyEmailIdentity operation.
This is an asynchronous operation using the standard naming convention for .NET 4.5 or higher. For .NET 3.5 the operation is implemented as a pair of methods using the standard naming convention of BeginVerifyEmailIdentity and EndVerifyEmailIdentity. For Unity the operation does not take CancellationToken as a parameter, and instead takes AmazonServiceCallback<VerifyEmailIdentityRequest, VerifyEmailIdentityResponse> and AsyncOptions as additional parameters.
Namespace: Amazon.SimpleEmail
Assembly: AWSSDK.SimpleEmail.dll
Version: 3.x.y.z
public virtual Task<VerifyEmailIdentityResponse> VerifyEmailIdentityAsync( VerifyEmailIdentityRequest request, CancellationToken cancellationToken )
Container for the necessary parameters to execute the VerifyEmailIdentity operation.
A cancellation token that can be used by other objects or threads to receive notice of cancellation.
.NET Standard:
Supported in: 1.3
.NET Framework:
Supported in: 4.5
Portable Class Library:
Supported in: Windows Store Apps
Supported in: Windows Phone 8.1
Supported in: Xamarin Android
Supported in: Xamarin iOS (Unified)
Supported in: Xamarin.Forms
Supported Versions: 4.6 and above
Supported Platforms: Android, iOS, Standalone


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Campéole Les Amis de la Plage
France, Poitou-Charentes, Charente-Maritime, Le Bois-Plage-en-Ré
- Tel:
- +33 (0)5 46 09 24 01
- Fax:
- 05 46 09 97 73
- Open (touring pitches):
- 30 March - 30 September
Ref: FR17610
Alan Rogers Review
Les Amis de la Plage, a former municipal site, and now a member of the Campéole group, is located on the southern side of the Ile de Ré, at Le Bois-Plage-en-Ré. The site has direct gated access across the sand dunes to a superb sandy beach. There are 252 pitches, some of which are occupied by mobile homes, chalets and fully equipped tents. The 135 touring pitches are sandy with varying degrees of shade, some are rather small and others are on undulating land. Just over half have electrical connections (10A). The island's largest market is held daily, just 500 m. from the site.
The Ile de Ré is well known for its cycle tracks and a number of these pass close to the site. It is a great way to explore the island. Also recommended is the Maison du Platin, an interesting eco-museum, dedicated to the Ile de Ré's heritage and traditions. The island's capital Saint Martin is an easy drive away and provides a wide range of shops, boutiques, bars and restaurants; it is an attractive town whose life centres round the thriving port and marina; there are also buildings of historical interest, not least the fortifications by the military architect Vauban.
Four toilet blocks (two closed low season) provide some washbasins in cubicles and facilities for disabled visitors and children. Laundry. Motorcaravan services. No shop, but bread to order daily. Play area with bouncy castle. Boules. Activity and entertainment programme (high season). Direct access to beach. Communal barbecue area. No charcoal barbecues on pitch. Mobile homes, chalets and tents to rent. WiFi (charged in high season). Bicycle hire.
- Bicycle Hire on Site
- Accommodation to Rent
- Bar Nearby
- Childrens Play Area
- Seaside Beach Onsite
- Fishing Nearby
- Book Online
- Facilities for disabled visitors
- Riding Nearby
- Indoor Pool Nearby
- Sailing Nearby
- Kids
- Walking
- Shop Nearby
- Takeaway Food
- Outdoor
- Pets allowed
- Wifi Chargeable
- Wifi Partial Site
From La Rochelle, cross the toll bridge and take D201 along the southern coast of the island until you reach Le Bois-Plage-en-Ré, and then turn south following signs to the campsite.
Location Coordinates
Decimal Degrees (DD)
Latitude Longitude 46.177401 -1.386514
Degrees, Minutes & Seconds (DMS)
Latitude Longitude
Pagan canvas bungalow
2 bedrooms, sleeps 5: 1 double, 3 singles, bunk bed, pillows and blankets provided
|shower, WC
|fitted kitchen with hobs, microwave, fridge
|table & chairs
|accepted (with supplement)
|Low Season (from) €294 per week
|High Season (from) €742 per week
|1 April - 30 September
Mobile Home Family +
2 bedrooms, sleeps 6: 1 double, 2 singles, sofa bed, pillows and blankets provided
|heating, shower, WC, separate WC
|fitted kitchen with hobs, microwave, coffee maker, fridge, freezer
|table & chairs, 2 sun loungers
|accepted (with supplement)
|Low Season (from) €462 per week
|High Season (from) €1036 per week
|1 April - 30 September
Special Features
By clicking on the link(s) below you understand and agree to the following terms & conditions:Your pitch/accommodation booking does not form a contract with Alan Rogers Travel Ltd.Upon making a booking a contract is created between you and the campsite. Any payments made are paid directly to the campsite. All bookings are subject to availability and the booking conditions of the campsite. Booking conditions for the campsite are available by clicking on the link(s) below. Availability and pricing information is maintained directly by the campsite. Alan Rogers Travel Ltd. is not responsible for any omissions or errors made by the campsite. In the case of booking enquiries you should contact the campsite directly.Cancel


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Celebrating Your Anniversary
Wedding anniversaries are considered just as symbolic as the wedding itself, with a tradition of gift-giving that dates all the way back to the Middle Ages. Here are some traditional and not so traditional ways you can celebrate your anniversary with your loved one. Read more
Know Your Birthstones
What better way to celebrate a birthday than with a birthstone? Usually found in the form of a ring or pendant, birthstones are gemstones associated with various qualities that symbolize the month of birth in the Gregorian calendar. Read more


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Kim — Totally Great Way To Get Over Reggie — Be Kardazzling & Promo-ing Your Shoes!
Kim — I am high fiving you for NOT hiding out after your highly public breakup!
Kim Kardashian — I am high fiving you for NOT hiding out after your highly public breakup! You are completely admirable — for NOT lying in bed with the covers over your head. Instead, you have makeup on, your hair is done, you're smiling and hello … you've got Kardashian "Shoedazzle" shoes to sell — so you're selling them!
I'm sure your heart is breaking inside, but you are doing an A+ job of NOT letting Reggie Bush or the rest of the world know it. After you broke up with Reggie the first time, you barely had the energy to get up off your couch and out of your apartment. So glad that you're taking an F U attitude to Reggie after Breakup Round #2! It's HIS loss — you're Khardazzling!
—Bonnie Fuller


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Styx guitarist forever Young
By Caroline Fontein
The legendary rock band Styx may have been at the peak of their record-selling career 30 years ago, but their music continues to be a part of pop culture. Just turn on the radio to any station playing Top 40 today, and you'll hear a reference to their song "Mr. Roboto" in the Black Eyed Peas hit "Just Can't Get Enough." Younger audiences are hearing their music through the video game Rock Band, where gamers can take their shot at performing classic Styx songs including "Blue Collar Man (Long Nights)," "Renegade" and "Too Much Time on My Hands." In 1999 the group got a shout out in the Adam Sandler movie "Big Daddy" when the character Julian says, "Styx is the greatest band in the world." Their music has taken on a life of its own, catering to audiences both new and old.
On September 24 fans in Vegas can rock out to Styx music live with their show at The Joint at the Hard Rock Hotel. The show also features another classic rock group, REO Speedwagon.
Styx formed in Champaign, Ill. and rose to fame in the late 1970s and early 1980s with their hit songs including "Lady," "Come Sail Away," and 'The Best of Times." The band became known for their arena-rock style performances done with classic audio and visual elements.
The band's line-up has changed over the years. Since 1999, the group consisting of Tommy Shaw, James "JY" Young, Lawrence Gowan, Todd Sucherman and Ricky Phillips (along with the occasional surprise appearance by original bassist Chuck Panozzo) has performed more live shows than all of the previous years of the band's existence combined.
VEGAS.com had a chance to talk to guitarist Young about the group's upcoming show and what they enjoy doing in Vegas when they're not on stage. Here's what he had to say:
Q.What does the band have planned for your upcoming show in Vegas at The Joint at Hard Rock Hotel on September 24?
A. "We will be digging more deeply into our catalog than we usually do when we come to Las Vegas in September."
What goes into preparing to play some of those songs live that you have never performed on tour before?
"We're trying to re-create the magic that we created back then. It was very instructive and inspiring to go back and recognize some of the stuff we did and say, 'Hey, that was really pretty cool. I'm not quite sure how we did that, but it came out great so we have to try and figure out ways to, and in some instances, how to do something differently.' So, there was a certain forensic thing. Then there was a certain thing about just trying to figure out with these songs, which we thought were too difficult to do maybe the first time around, given what we know now, how can we do a proper presentation of this music so that the audience won't be disappointed? With modern technology it's a little more possible than it might have been 30 years ago."
You have songs on Rock Band and Mr. Roboto is referenced in the Black Eyed Peas Song, "Just Can't Get Enough." Why do you think your music continues to have mainstream relevance?
"It's crazy how we've become so much a part of the fabric of pop culture even to this day, and the peak of our record-selling power was 30 years ago. Obviously we did some great work. Imitation is the highest form of flattery. So, hats off to those guys. Thank you very much for the props, and we're excited about coming back to Vegas."
That band's line-up has changed over the years. What is it like for you to perform some of those songs from earlier on in your career today?
"Back then it was five young men on a mission to create great music and to perform great shows and to make our mark in the world, which we did do. But I think now really for me it has evolved into finding the joy in each day of my life and finding the joy in each performance that we give. We go out there and just say these songs have brought millions of people great joy. Music is this incredible force that comes from a higher place that is channeled through us, that has the power to soothe, to calm, to inspire, to motivate and in the best instances even heal people's illnesses. We are the stewards of this amazing power. Let's go out and celebrate this healing power in a way that we have and in these troubled times, help people forget, if only for a couple of hours, about the difficulties they may be having in their personal life or in their job life or whatever and find the joy in that day along with us. By the end of each concert, I want the band and the crowd to be surfing a great wave of joy because life's pretty good. We just have to recalibrate ourselves and be flexible and adaptable. I'm really all about the joy of the performance at this point."
Do you have any daily routines that you follow as preparation for touring or is that something that just comes as second nature to you now?
"Well we don't have quite the excessive energy we once had to go out and do stupid things late into the night and be able to still get up and do what we were supposed to do the next day. We have to pace ourselves, perhaps, a little bit better and maybe focus on that a little bit more. You know air travel has become a lot more difficult with security lines and this, that and the other thing and airplanes getting smaller and more cramped and more delayed. Everything about life seems like it's become more complex, but there's something about the 90 minutes that we're on stage that just tends to wipe all that away."
Do you have any time to enjoy Vegas when you come here to perform?
"On nights off in Vegas, there are obviously spectacular shows and spectacular restaurants to go to… All of the Cirque du Soleil stuff just has got amazing production value, and we've been inspired in some levels by each one of the shows we've seen. We take one little nugget, and we say how we can find a way to adapt that in our show. Because the band lives scattered across North America now … Vegas is one of the places where we all get together for a while. So we find a lot of things to do that don't get us into too much trouble because as Tiger Woods found out, what happens in Vegas doesn't really necessarily stay in Vegas."
Do you think there is any key to success that has made your music so timeless?
"Writing is a craft that you have to do every day if you want to get better at it. Some days you'll write nothing that you like. Other days some amazing stuff will come out in the first hour of you sitting at the keyboard that you can't believe, but it took those four weeks of staring at the keyboard and trying to finally get to that day. I find that a lot of times with our shows, with our music, is that you have to want it more than the next guy, and you have to be willing to work harder than the next guy or gal if you really want it that bad. We all have greatness within us — you just have to battle and fight with yourself to bring it out."
What is your favorite song to perform live?
"Renenagade" and "Come Sail Away," those two are sort of the big grand slam home runs that we typically play at the end of the night and they both have a different and powerful charm about them and there's moments in both songs when I'm at the pinnacle of my own sort of stage euphoria and I treasure those moments."


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Tomorrow (June 14, 2008) the United States observes National Flag Day, an annual tribute to the American flag, the ideals it stands for and the sacrifices made to preserve them.
President and Nancy Reagan file by the flag-draped caskets of victims of the April 18, 1983, bombing of the U.S. Embassy in Beirut, Lebanon in an April 23, 1983 file photo. Photo courtesy Ronald Reagan Presidential Library
President and Nancy Reagan file by the flag-draped caskets of victims of the April 18, 1983, bombing of the U.S. Embassy in Beirut, Lebanon in an April 23, 1983 file photo. Photo courtesy Ronald Reagan Presidential Library
President Woodrow Wilson recognized during his first Flag Day address in 1915 that the freedoms the U.S. flag stands for weren't and never would be free.
"The lines of red are lines of blood, nobly and unselfishly shed by men who loved the liberty of their fellowship more than they loved their own lives and fortunes," he said. "God forbid that we should have to use the blood of America to freshen the color of the flag."
But American blood has spilled time and time again to preserve American liberties, most recently in the war against violent extremism. In this year's Flag Day Proclamation, President Bush calls on the nation to remember the troops who carry Old Glory before them "as they defend the liberties for which it stands."
"On Flag Day and during National Flag Week, we remember those in uniform whose courage and sacrifice inspire us here at home," Bush said. "We also remember the rich history of one of our oldest national symbols and reflect on our duty to carry our heritage of freedom into the future."
Four current or retired servicemembers recently shared their personal perspectives about how the flag has inspired them through their proudest as well as darkest days as a symbol of patriotism, strength and resilience.
9/11 Terror Attacks
Few Americans will forget the image of three firefighters raising an American flag over the World Trade Center ruins in New York just hours after the Sept. 11, 2001, terrorist attacks.
But for Army Capt. Joe Minning and his fellow New York National Guard soldiers, many of them New York City firemen and police officers, the Ground Zero flag took on a very personal significance as they desperately sifted through the rubble looking for survivors.
"Seeing the flag raised above all of the rubble and ruins of the World Trade Center instilled a new sense of pride in me for our country," he said. "No matter what happens to the United States -- on foreign ground, on U.S. soil -- we, the American people, will always continue to move forward, rebuild and face any challenges that lie ahead"
Three years later, Minning and the "Fighting 69th" Brigade Combat Team would take that inspiration with them to Iraq, where they lost 19 soldiers securing Route Irish and its surrounding Baghdad neighborhoods during their year-long deployment.
Among those killed was Army Staff Sgt. Christian Engledrum, a New York firefighter who, like Minning, worked amid the dust and smoke immediately following the World Trade Center attack. Engledrum, the first New York City employee to die serving in Iraq, became a symbol of the unit that went from Ground Zero to Iraq's Sunni Triangle, and after his death, to the mountains of Afghanistan.
The flag and what it represents continue to motivate unit members during their current deployment to Afghanistan as embedded trainers for the Afghan National Army, he said.
Minning said he recognizes when he sees Old Glory flying at his tiny forward operating base there that he and his fellow soldiers are following in the footsteps of the earliest U.S. patriots and defending the same values they fought for.
"The flag is a symbol of everything the United States stands for -- from our founding fathers up until now, all that we have accomplished, and the hurtles our country has overcome," he said.
As a soldier, Minning said, he and his fellow soldiers recognize that it's up to them to continue carrying the torch forward.
"It is the American soldier who keeps the country moving forward and will never let it be taken down by any adversity. It is what we fight for and, if we fall in battle, what our coffins are draped with," he said. "And it's what we are committed to protecting and defending, no matter what the price."
The Iraq War
When thousands of people gathered in late April at the Cincinnati Red's Great American Ballpark, all eyes were on a platform at the pitchers' mound covered by the flag-draped casket of Army Sgt. Matt Maupin.
The mourners gathered to remember the 20-year-old Army reservist who went missing more than four years earlier when his convoy came under attack in April 2004. Insurgents released a videotape shortly after the incident showing him in captivity, and his whereabouts remained unknown until the Army found and positively identified his remains in March.
Command Sgt. Maj. Leon Caffie, the top enlisted Army Reserve soldier, was among countless people who had hoped and prayed for Maupin's safe return. As he joined the crowd in Ohio to honor and bid farewell to Maupin, Caffie looked out at thousands of hand-held flags waving in the stands, all surrounding Maupin's casket.
"It underscores the meaning and symbolism of the flag when you see it draped over the coffin of this young man who had the world going for him," Caffey said.
Maupin is among thousands of U.S. troops whose lives have been cut short at the hands of terrorists. Back in October 1983, 241 Marines were killed when a terrorist truck bomb struck their barracks in Beirut. In June 1996, 13 airmen died during the terror attack on Khobar Towers in Dhahran, Saudi Arabia. In October 2000, 17 crewmembers from USS Cole were killed when a terrorist bomb ripped through their ship at Aden, Yemen.
Then came the September 2001 terrorist attacks on the United States and the war on terror they ushered in.
Through it all, the flag has served as an unwavering source of inspiration that's unified America, Caffie said.
"It has endured a lot -- being dragged through streets and burned and disrespected and spit on and stepped on," he said.
"And yet it has survived and served as a nucleus that brings this country together across gender, ethnic and religious backgrounds," he said. "It is the American flag that has united us and will continue to inspire patriotism in this country."
Beirut Embassy Bombing
Back in April 1983, rescue workers picking through the rubble of what had been the U.S. Embassy in Beirut following a terrorist attack uncovered the body of 21-year-old Marine Cpl. Robert V. McMaugh. Beside his body lay the tattered remains of the U.S. flag that had once stood proudly beside his guard post in the embassy's main lobby.
McMaugh's fellow Marine security guards draped their fallen comrade in a fresh American flag and carried him away on a stretcher. A squad of Marines snapped to attention and saluted.
"It was a poignant moment," recalled retired Chief Warrant Officer Charles W. "Bill" Henderson, a spokesman attached to 22nd Marine Amphibious Unit in Lebanon at the time of the bombing. "Everyone had been digging and digging, then suddenly, everything stopped. Not a word was said. Seeing the body of a fellow Marine covered with the American flag, ... it was an electrifying moment."
While stationed in Beirut, Henderson said, he came to appreciate the flag, not just as a piece of material, but as a symbol of courage. "Each Marine (in Lebanon) wore an American flag on his shirt," he said. "It did more than show that we were Americans. It showed that we were representing this country and what it stands for: freedom for all people."
Twenty-five years later, Henderson said terrorist attacks that followed that initial salvo and the thousands of Americans who have died as a result have only deepened the flag's symbolism.
"What's behind it are the blood and tears of hundreds of thousands of soldiers who have sacrificed. The symbolism behind the flag is this long tradition of sacrifice to preserve liberty," he said.
"Yes, it is just a piece of cloth," he said. "But what it represents are the lives of thousands of Americans who have given everything for this nation -- who ask nothing in return but felt an obligation of duty to their country."
Henderson said he doesn't take disrespect for the flag lightly. "When you insult our flag, you insult the lives and the sacrifices of all the men and women who have served this country," he said.
On the other hand, honoring the flag is showing respect and appreciation for all they have done. "You are honoring everything that we, as a nation, have accomplished, what America has done, and what America represents to the world," he said.
Iranian Hostage Crisis
Now-retired Col. David M. Roeder remembers living without the freedoms he had worked to protect when he and more than 50 other Americans were taken hostage for 444 days in Iran in November 1979.
Roeder, assistant Air Force attache to the U.S. Embassy in Tehran at the time, watched helplessly as U.S. flag burnings became almost daily media events. His captors taunted the hostages by carrying garbage from one area of the embassy compound to another, wrapped in the American flag.
Through it all, Roeder said, he never lost faith in his country or the flag that symbolizes its ideals. "When you talk about a flag, whether it's standing in a place of honor at a ceremony or draped over a casket or waving from someone's house, you're talking about a symbol," he said.
"But the importance of that symbolism is monumental. It represents what we are, wherever we are in the world," he said.
"And no matter what anyone else says about it or does to it, the flag never loses dignity. It only gains dignity, because when someone attacks the American flag, it's because they recognize all that it represents and the greatness of this country."
Twenty-seven years after his release, Roeder, now 68, holds on to that symbolism with fervor. He flies a flag at his home in Pinehurst, N.C., and a summer home in Wisconsin every day. His pickup truck has not one, but several, flag stickers on it.
Like many Americans, he was moved by the show of Old Glory nationwide in the aftermath of the 9-11 attacks, and said he wishes it had never ended. "Wouldn't it be great if you could keep that going?" he said. "It tells everyone who sees it who we are and what we stand for," he said.


text:
Hungary issued international bonds worth USD 3.25 billion on Tuesday, which were nearly four times oversubscribed as they have received bids worth USD 12 billion.
Hungary's currency has strengthened as a result of the issuance. Thanks to the successful issue, this year's international bond programme has been more than half completed, András László Borbély, deputy head of the Government's Debt Management Agency (ÁKK), said. László András Borbély pointed out that out of the bonds, USD 2 billion of 10-year and USD 1.25 billion of 5-year notes were issued.The ten-year bonds, bearing interest of 5.4 per cent, attracted most investor attention.
He said the issue was converted into Euros worth 2.5 billion, and according to the issuance plan, foreign currency debt worth EUR 5.1 billion will expire in 2013, the majority of which is going to be repaid through the issuing of Eurobonds worth EUR 4-4.5 billion. The ÁKK opted for a dollar denominated issue due to demand by US investment funds for higher risk, higher yield papers, he added. He also stated that representatives of the ÁKK and the Ministry for National Economy had participated in a total of 38 sessions aiming at preparing the issuances within the framework of a seven-day series of meetings with investors.
Nicholas Spiro of Spiro Sovereign Strategy stated that the exceptionally favourable market conditions were one of the major factors in the strong demand shown by investors. The other factor was that sensitivity regarding Hungary's talks with the IMF on financial aid had softened significantly before the dollar issue. This was indicated by the fact that Hungary was also able to draw in considerable resources with its forint-denominated government security issues, and that the foreign ownership ratio on the bonds market is one of the highest among emerging markets, he said. Foreign Minister János Martonyi also spoke about the recent bond issuance in an interview and mentioned that despite certain credit rating agencies' negative forecasts, Hungary was able to issue such a high volume of bonds and investors are more than willing to purchase them with such a yield. This demonstrates that the rating agencies are not necessarily accurate with regard to deteriorating investor confidence.


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text:
Photos Copyright property of blog owner.
Do no copy or transmit without prior permission. Thanks.
Today is day 18.
My shoulder muscle feels frozen.
The neck muscle running up the side of my neck is hurting, again, like before surgery.
I'm down to taking prescription pain med at night and otc ibuprophen during the day.
Today I am beginning to wonder if this was a mistake.
The pain/discomfort I felt prior to surgery was a throbbing, pulsing ache.
Now, post op, it is a pulling jabbing, burning.
Maybe that's a good sign, a sign that its muscular in nature and can be overcome with physical therapy?
I can hope.
I've shed my share of tears the last couple days.
Today I will try to figure out how to wear a bra or some sort of chest support so I can go out in public.
Thinking about having to figure that out makes me want to cry again.
It is what it is.
Buck up and deal with it.
That's the scoop on day 18.
*Proceed to scroll down if you want to know what a rib resection transaxillary scar looks like.
Earliest post-op photo taken at 4 days post-op
One week post-op
Today-day 18
Saturday, May 2, 2009
Right Rib resection transaxillary photos & update-day 18
2 comments:
- Anonymous said...
Now, Are you feeling better all these years after? was it a nice move to make the surgery? It will happen to me really soon...
- December 26, 2014 at 5:21 PM
- Ge Bo said...
I'm day 8 after surgery and feeling like a new guy! I'm using my arm like before, but without lifting heavy weight for now. What a great move. My scar is looking like yours in the first pic. I'm only taking Acetaminophen, no need pain killers. It's not that bad and painful for me. nothing like before :) I'm so happy!
- July 1, 2015 at 3:53 PM
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Nate Larkin eBooks
eBooks found: 1
Sundays Will Never Be the Same
Nate Larkin & Darrell Waltrip
Free Press, February 2012
Format: ePub
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Progressive Senator Sherrod Brown (D-OH) is reaching desperately to tie any possible scandal to opponent Josh Mandel, as recent polls show their race tightening. A week from election day, 4 of the 5 latest "News" items on Brown's campaign website professed outrage that Mandel would not denounce Senate candidate Richard Mourdock's "reprehensible rape remarks."
In an October 23 debate, Mourdock – who is, like Mandel, a conservative currently serving as his state's treasurer – stated that life is "something that God intended to happen," even when a child is conceived as a result of rape. Predictably, media leftists reacted to Mourdock's basic pro-life statement as if he had endorsed rape, and the Brown campaign has since wielded the supposed scandal as a bludgeon.
Mandel is pro-life; Brown is decidedly pro-abortion, endorsed this year by both Planned Parenthood and the National Abortion Rights Action League.
That Sherrod Brown is focusing on the "war on women" meme in general and abortion in particular during the final week of the race says two things. First, it speaks to the complete lack of confidence Sherrod's strategists have in his fringe-left record. Like President Obama, Brown is an incumbent running against a bleak economy with only base-building big government to point to.
Second, it shows that Brown's campaign is counting on the remarkable failure of Ohio's legacy media to inform the voting public in the socially conservative state. Although Brown professes Christianity, he has voted time and again in favor of taxpayer funding for abortion, taxpayer funding for foreign abortion providers, and even partial-birth abortion.
The same media failure explains why Brown – who voted for Obamacare only after fighting to include a public option, worships Big Labor as the soul of American society, and only disagrees with Obama when Obama tilts towards the center – is clinging to a narrow lead instead of choking in Mandel's dust. To the extent Brown's record is discussed at all by Ohio's dino-media reporters, it's to cheer the "stimulus" bill and the UAW bailout at GM & Chrysler.
Progressive lapdogs at the Cleveland Plain Dealer, Ohio's largest newspaper, have cranked the liberal bias to 11 by operating PolitiFact Ohio as if it were Brown's personal opposition research office. Mandel has been slammed like no other Ohio politician, but reporters covering the Senate race treat PolitiFact Ohio as objective even though "fact-checker" Tom Feran is an Obama cheerleader who hates conservatives.
Any way you cut it, an incumbent shrieking about his opponent's failure to disown unremarkable comments from a politician in another state is not a confident incumbent.
Follow Jason on Twitter: @jasonahart


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Liverpool kept Joe Allen's shoulder injury a secret for five months to stop him being targeted.
Allen is hoping to be allowed to play in one more Reds game before undergoing shoulder surgery that will end his season.
The Reds midfielder has been playing in pain since October, but Liverpool decided to keep the problem under wraps. With Allen prepared to suffer for as long as possible, the club did not want opposition players aware of the injury and trying to make it worse.
The Welshman has known for some time that the injury would require an operation, but wanted to keep playing.
He is part of the Wales squad for the World Cup double-header against Scotland and Croatia, and could be allowed to play in Liverpool's game against Aston Villa on March 31. But Allen must undergo surgery in early April at the latest because he will need three months to recover for Liverpool's pre-season for the next campaign.
Allen underwent surgery on his shoulder in 2010, but continued growth, together with wear and tear, has meant the problem has deteriorated to such an extent that lifting a glass above his head causes significant pain.
Meanwhile, Rodgers will not be allowed to break the bank to turn Liverpool into Champions League contenders.


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What to CookPasta
11 Spaghetti Recipes You'll Want to Make Again and Again
Spaghetti can be dressed elegantly in butter-braised onions, stand up to a subtantial bolognese or meatball sauce, and get down with nothing but a slick of Pecorino and pepper. It's the little black dress of dinner choices. What are you waiting for?
Make one or all 11 of these spaghetti recipes and you'll be in good company—especially if you sprinkle on a little cheese.
Spaghetti Carbonara by Brette Warshaw
Creamy Mushroom Pasta by Kendra Vaculin
Nigel Slater's Really Good Spaghetti Bolognese by Genius Recipes
Rhonda's Spaghetti with Fried Eggs and Pangritata for One by Rhonda35
Edward Giobbi's Spaghetti alla Foriana by Genius Recipes
Pasta with Broccolini Pesto and Crème Fraîche by Phyllis Grant
Michael Ruhlman's Pasta with Tomato Water, Basil, and Garlic by Genius Recipes
Pasta Cacio, Pepe, e Cavalo Nero by Nicole Franzen
Broccoli Aglio e Olio with Gremolata Breadcrumbs by healthierkitchen
What's your go-to pasta dinner? Give us the not-recipe in the comments.


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Summer Science Academy
"It was the best experience of my life."
On hiatus for summer 2018. Please consider our partner program: Global Environmental Leadership & Sustainability.
Biosphere 2 offers a unique educational experience unlike anything else in the world. Middle and high school students interested in earth and ecosystem sciences, collaboration, and leadership development spend a week at the iconic Biosphere 2 research facility. Join the cutting-edge science community at the University of Arizona for a world-class educational adventure! (Sample Schedule)
"Best time. Awesome time. Daniel wishes it had been even longer. Life-changing experience for him."
Student participants learn and practice science 'under-the-glass', participating in hands-on research projects in the Biosphere 2 biomes: tropical rainforest, savanna, ocean, mangrove marsh, and coastal fog desert. Participants apply scientific skills to conduct experiments and collect data while working side-by-side with Biosphere 2 researchers. The week culminates with presentations of research findings. All instruction and activities are conducted in English.
"My child was immediately planning for next year's camp the day camp ended!!"
Biosphere 2's foothill setting and accommodations are unparalleled; the on-site casita village is composed of 28 rustic, Santa Fe-style houses. Each casita has multiple, private bedrooms that share a central living room and large kitchen (although all meals and snacks are provided in a central location for the Biosphere 2 Summer Science Academy). Bathrooms are generally shared (suite-style) among a couple of bedrooms. The oversized rooms feature high-speed, wireless internet access and central air conditioning. Please remember to bring toiletries and any appliances you need or use on a daily basis. Bedding, a set of towels, shampoo, soap, and lotion are all provided. Additional blankets and an extra pillow are available in the closets. At night, the casita village is well lit, but the surrounding property can be quite dark. There is a flashlight in each bedroom, but we suggest you bring your own flashlight or headlamp as well. Come prepared for occasional encounters with native wildlife common to the area. (Sample Schedule)
The week-long program includes one day on the University of Arizona main campus (specific destinations still to be determined) and time developing teamwork and leadership skills at a desert ropes course.
The ratio of researchers/counselors to students is at least 1:8. The Academy staff also includes UA Outreach Scholars who will chaperone the casitas. The Outreach Scholars are college undergraduate and graduate students drawn from the University of Arizona.
Read an Executive Summary of the Science Academy program and learn more about the Biosphere 2 scientists and their research.
Experience a week at Biosphere 2:
- Learn ecosystem science, build collaboration and leadership skills, have fun!
- Sample Schedule
- A non-refundable $250 deposit is required to reserve an academy position following notice of acceptance.
Arizona Public School Tax Credit: Looking for a more affordable way to send a student from an Arizona public school to the Biosphere 2 Science Academy? Consider asking your school to solicit tax credits and help pay for students that want to join the academy. More information available on the AZDOR website.
Note that the cost to Biosphere 2 for providing the Science Academy experience is more than $2,500 per student. Through donations, grants, and support from the University of Arizona, we are effectively offering financial assistance to each and every middle and high school student applicant. If you would like to make a donation to Biosphere 2 to support this program please contact Kevin Bonine, Biosphere 2 Director of Education and Outreach.


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1979 Opel Rekord E 2.0 petrol
Luxurious in a nice convenient package
The fuel filter got clogged at 13.000 kilometers (97+ fuel octane rating).
Gas tank gasket ripped at 14.000 kilometers.
Intermittent stalls not associated with clutch and driver failure.
It's a gas-guzzler and there's no doubt about it.
General Comments:
The steering is highly responsive and you can use only one-hand on 160 degree zig-zags.
The suspension is a bit troubling especially at the back, but it never lets the car down.
I got a lot of good comments and looks when I bought it even though it was third-hand!
The original jet black paint is magnificent and it feels that it actually is a limousine.
Mine is an Irmscher edition so everything is made to look sportier, with fiberglass and high-impact plastic as the side wings and both of the bumpers and also the nice Momo-Opel steering wheel.
It has a lot of features that set it alongside the luxury cars of Mercedes, etc.
The brakes have a bit of latency, but it never fails to make you feel safe.
The seat warmers and sun roof are proof that it is a luxury car then in the eighties.
It's not a racer nor a snail, but it never fails to out-speed other modern cars.
Would you buy another car from this manufacturer? Yes
Review Date: 24th March, 2005


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CYO Spring Sports that are offered at St. Sebastian:
Boy's Baseball
Junior Varsity - 5th and 6th Grade*
Varsity - 7th and 8th Grade#
Girl's Softball
*Based on advanced skills, athletes in 4th grade may join Junior Varsity Teams to help fill a team.
#Based on advanced skills, your athlete may be requested to move up to varsity. However, this is a learning league and they are encouraged to stay with their grade level.
20710 Colgate St.
Dearborn Heights, MI


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"Addiction is all about more ... always more, and more. And whatever you score, it's not enough."
That's what a heroin addict told me. And that was one of several moments in recent weeks in which I realized how little I knew about addiction and how fleetingly public attention is paid to it.
We are in one of those fleeting moments now.
A few months ago, like a lot of people, I got interested in the growing heroin problem in Ohio. The governor was talking about it. The attorney general was on it — in a big way. The news pages were alerting us. Most significant, perhaps, is what police officers and firefighters told me, off the record: This thing is exploding. People have no idea.
I knew little about heroin addiction, to say nothing of the new heroin fad. I thought of heroin addicts as people sleeping in alleys with very bad teeth. Turns out they drive Volvos and work in banking, the courts, and public schools.
All of us who were ignorant a few weeks ago now know that the new wave of heroin addictions began with pain pills — the scandalous overprescription of pain pills by doctors and dentists. This is being treated as a free-standing scandal, but in truth it is symptomatic of an addictive society — a society in which a great many people are hooked on a great many things — oil, porn, phones, computers, and all manner of consumer goods.
One of the many things we are addicted to in the "just say no" society, is pills. And when painkillers are no longer available, or no longer affordable, people turn to heroin, which is most readily available on the streets of Toledo in two forms — Mexican black tar and brown heroin. Both are cheap — as low as $10 a hit. The price of a flavored martini.
Several addicts have told me, with a shrug, that the heroin craze is simply the latest thing. Some 25 million Americans are drug or alcohol abusers, if not addicts. Another 40 million have a family member or loved one struggling with the booze or drug demons. That's roughly a fifth of the population. The rate of abuse rises to about 25 percent among the young — ages 19 to 25. About 10 million are said to have co-occurring addictions. To people working in the field, that actually seems like a low number.
We jump from fad to fad in usage and societal response, but I am not sure we learn much. Our knees jerk and our responses are often histrionic but seldom sustained. The problem of addiction in America, and in Toledo, is pervasive and complicated. We don't like to admit it is either.
As a matter of psychology or public policy, addiction is terribly, terribly complicated. For there is no magic key in either realm. There is no policy panacea. The war on drugs has certainly failed. And in human terms, we are dealing with the mysteries of the heart.
One of the many things Americans are addicted to is pills. And when painkillers are no longer available, or no longer affordable, people turn to heroin.
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Common sense steps
There is one local policy maker-politician who has a background in drug rehabilitation and actually knows something about addiction — former mayor and current Councilman Jack Ford. He founded SASSY — Substance Abuse Services Inc. He also ran, as part of SASSY, The Road — a residential care facility. With much of the City Council by his side a few days ago, Mr. Ford outlined some common sense steps we can and should take right now to get out in front of the heroin epidemic:
■ Monitor pharmacies so we know who is over prescribing.
■ Crack down on pill sales in public housing. (That may take more police officers and sheriff's deputies, at least on a temporary basis.)
■ Gather more solid data on heroin abuse and fatalities so we know where we are.
■ But the big one is: More residential treatment in Toledo. Defeating heroin takes time. You have to be in a live-in program to kick it.
None of these is a big-budget item. The mayor and the county commissioners could order some of it done now. State help would likely be available.
Even a new residential program could be done relatively inexpensively in co-operation with an existing hospital with empty beds and/or a closed-off ward. ProMedica CEO Randy Oostra might well step up here, if asked.
One addict told me that if she hadn't gotten a bed in a residential facility the day she decided to quit, she would have died that night.
If we wait until a couple clean-cut kids from Sylvania or Perrysburg die, we will all be full of shame and sorrow. We have to take action, public-policy action as a community now.
Jack Ford, a city councilman and former mayor, proposes a series of steps to address the heroin problem in Toledo.
The Blade
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Just like us
I wanted to meet some people who had been through this: How do you get addicted? How do you free yourself?
So I spent a little time with five former addicts — one an alcoholic, and four who were addicted to heroin. I will not use any of their real names here, and I am going to try to disguise them a bit, but I want you to know them just a little. They are just like you and me.
■ Mary: Mary is 40ish and struggled with her addiction for years. She is college educated; not only bright, but literate and articulate. Even in casual conversation, she treats words with care and delicacy. She has a son, to whom she is deeply devoted. She has good parents, with whom she is still close. She suffered no trauma in childhood. "I know all the literature says that must have happened to me," she said, "but I sort of stumbled into heroin." Her father, like Mary, is in AA and a recovering addict. Mary feels she was saved by a shelter for women where she now volunteers. She is beautiful and compassionate but wary and realistic. She knows how vulnerable she is. She works the program and holds fast to loved ones and service to others.
■ Tina: Tina is ten years younger than Mary. She is also physically striking and formidable. She is less intellectual and more visceral, and maybe tougher because, especially for one so young, she has taken some hard knocks. Her husband, the father of her kids, is in jail. Her oldest son, who is 11, doesn't trust her or his dad. He's been lied to too often. He's already seen rehab and relapse in both his parents multiple times. She told me that up until about two years ago, when she went clean, not a single relationship in her life was unrelated to drug use. Indeed, every romantic relationship was intertwined with it. She also told me that she knows no one her age who has not used heroin or cocaine. Like Mary, she is white and from the suburbs. Her savior? Her parents. At a certain point, they said "no" to her coming home on her own terms. Did she have a childhood trauma? Yes. She is in therapy for it. Addicts, she said, all have "a hole in their hearts."
When did Tina decide to kick it? When she woke up in a filling station rest room bleeding from eyes, ears, and mouth. She didn't know how long, she'd been there.
■ Tom: Tom was a successful attorney whose life was destroyed by alcohol. His story is partly textbook and partly a contradiction of the textbook. Booze took his father and his sister. It was in his blood and he is keenly aware that it is still in his blood. But he was successful in work and able in hobbies and had a good marriage and great kids. For him the addiction was not only chemical, but psychic. "I was afraid of a normal life," he told me. He didn't want to come out from behind the protective veil of booze and face life in its plainness or its harshness. He feared "every-day-ness" more than arrest, losing his law practice, or death. He has now been sober 20 years and resumed the practice of law.
Tom said he understands two things now: Alcoholism is a disease (as a young prosecutor he thought it was merely criminality or weakness) and "this disease wants me back." So every day he is vigilant.
And grateful.
■ Harry: Harry was 40 years on heroin. He is one-year clean. He is amazed and thankful that he is here to tell the tale. He credits a judge who practiced tough love. Thanks to that judge, Harry is alive. This judge said: You will do time. You will be incarcerated. But you will be in treatment while incarcerated. And by this combination you will have no choice but to learn about addiction, your addiction, and yourself.
Don't decriminalize heroin, Harry told me, there will be no leverage on the stubborn addict like himself.
Harry said there was a second tipping point for him: "I was tired," he says. "Just tired."
Harry arrived at the shelter where he lives now with a Kroger bag. It contained a toothbrush and three or four articles of clothing. In his 60s, he is learning, in the words of his fellow addict Tom, "the skill of coping with life itself."
■ Finally, Jane: Jane said she got into heroin for three reasons: It was the 1970s; she was a hippie who wanted to break rules and be free; her boyfriend knocked her around.
She wanted to be Janis Joplin. Except that she didn't want to keep letting down those who loved her, especially her daughter. Jane has been clean for 22 years. She believes the only thing that works in kicking heroin is a 12-step-based residential program that is strict. "It's got to be tough, she says, and kick your ass, to work."
After Jane beat heroin, many years ago, she worked at The Road. It was then that she started going out to bars and drinking with fellow social workers and drug counselors. Many drank to excess and Jane became an alcoholic. She then had to beat that addiction — climb the mountain a second time. She did it with the help of Alcoholics Anonymous. "I've substituted Amy Grant for Janis," she told me.
'No empirical data here, but my feeling is that the vulnerability [of the addict] is rooted in a hypersensitivity to life,' Father James Bacik says.
The Blade
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Pain and loneliness
I have little, but some, direct experience with addiction — one person close to me in early life and one close to me in later life. And what I found with those two people is what I found in speaking with these five people: a keen intelligence and what I can only clumsily call heightened perception. Maybe the best word is soulfulness. These are people you like and you like talking to.
Mind you, these are also people who are hell to live with — who, when in the grip, lie and steal and turn on their friends and loved ones.
As Tom told me, "After the first few years of partying it ain't fun being us." Yet the fear of normal life and facing one's self without masks or illusions is so strong that known misery is preferable to the unknown. Addicts, Tom said, usually reach a tipping point at which exhaustion and resolve (to deal with the problem of living daily) converge.
Addiction, said Mary, "is the disease of the lonely." Evey addict feels a profound aloneness in life. This has nothing to do with his number of friends, family, or social engagements. He feels in his heart of hearts, in the words of Hank Williams, "alone and forsaken."
Second, Tom told me, the addict is an angry person. He feels a profound revulsion at what he feels is the stupidity, intransigence, and weakness of other people. If only he could change them.
Finally, Tina said, the addict cannot deal with truth, especially about himself. That's part of his need for control: Ultimately, the thing to control is the narrative. "You need someone to call you on your s--t," Tina said.
Looking for insight into the lure of addiction, and the ability of the disease to reclaim those who once beat it, like Philip Seymour Hoffman, I asked the Rev. James Bacik, a man who is not only a theologian but a longtime parish priest. He told me he was not sure he could help me. But it turned out that he had long experience with addiction, especially alcohol. This included one young man who told him, "If I do this [binge] one more time, I will die." He did and he did.
"My feeling," Father Bacik said, "no empirical data here, but my feeling is that the vulnerability [of the addict] is rooted in a hypersensitivity to life." It's not just that a substance can eliminate that pain for a time, he said, but that the physical distress that follows substance abuse is preferable to the mental anguish of life without the veil: Facing what Tina calls the big hole, what Mary calls loneliness, without help.
Church of AA
All of these addicts wound up in one or more versions of AA (NA, Narcotic's Anonymous is one variation and several had parents or significant others who went to Al-Anon, the support group for families of addicts.)
All five said there were various tipping points and angels in their lives but that the 12 steps are the only thing that has sustained them since.
Well, AA confronts and attacks the loneliness, the desire to control, and the dishonesty and self-delusion. It transfers control to a higher power of your own understanding. And it plugs the addict into a community that will not let the addict hide or make excuses, least of all the excuse that he is alone. With fellow addicts at his back, he is, finally, not alone. They are there for him, they are pulling for him, and they know exactly how he feels when he faces that hole.
AA, says a clergy friend of mine, is "the best church in America." The one where everyone must be honest and must walk the walk.
There are 400 AA meetings in greater Toledo every week.
We must take the steps in the public policy realm that Councilman Ford recommends. But meanwhile, above and beyond policy, I personally thank God for AA. It saves lives.
We live in a society of addictions, a society in which psychological wholeness and integration are rare. Unless you are a saint or superhuman, you or someone close to you has been touched by addiction.
Heroin is simply the latest manifestation of something eating at our society — something that indicates a fundamental spiritual disorder.
I have a friend who says "the 12 Steps are for everyone" — that there are very few of us in this society who would not benefit from working the program.
The man's got a point.
Keith C. Burris is a columnist for The Blade.
Contact him at: email@example.com or 419-724-6266.
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Dressing table displays classic Art Deco lines
In his latest Furniture Detective column, Fred Taylor explains a bit about the history of Art Deco, while assessing a reader's inquiry about a vanity.
Roseville Falline vase commands $1,500
American art pottery, various types of glass and furniture crossed the auction block during a January sale at Brown Auctions. A 15-inch Roseville Falline vase was a highlight in the glass category, selling for $1,500, while an RJ Horner dining set claimed top lot after commanding $14,500.
Breaking up bedroom set may result in better sales
While it's good when one can sell a set of furniture in its entirety, but as Fred Taylor explains in his latest Furniture Detective column, sometimes it can be more profitable if items are sold separately.
Reverse-painted lamp may light up $3,000
An early 20th century reverse-painted lamp by the Pittsburgh Lamp Company may command upwards of $2,000 during a two-day estates auction to be presented April 18-19 by Crescent City Auction Gallery.
Estates auction offers 18th century furnishings
Willis Henry Auctions is bringing to auction several selections of 18th century furniture and decor items, as well as jewelry and fine art, during a multi-estate auction scheduled for March 28.
Popular Prouvé desk and chair headlining Nov. 6 auction
Not only will bidders encounter one seldom-seen piece of Prouvé furniture during Michaan's Nov. 6 auction, but two in offerings of a desk and a chair.
East Coast country estate items heading up 400-lot sale
Chandelieres, marble and bronze statutes, fine art, silver and furniture by the likes of Handle and Duffner are among the country estate items headlining the June 21 auction June being offered by Fontaine's Auction Gallery.
18th century mahogany chest triples presale estimate to finish at $73K
A small 18th century block front mahogany chest, soared past its presale estimate to a final price of $73,160 at Willis Henry Auctions' March 29 sale.
Fresh-to-market Shaker furniture headlining two-part sale
An unrivaled collection of fresh-to-market Shaker furniture and antiquities, from four distinct Shaker communities, will be offered Sept. 7 at a traditional Shaker village in Pittsfield, Ma.


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After winning the first two games of a three-game series against Florida Atlantic, the Alabama Crimson Tide dropped the third game, 3-0, on Sunday afternoon at FAU Stadium.
BOCA RATON, Fla. | After winning the first two games of a three-game series against Florida Atlantic, the Alabama Crimson Tide dropped the third game, 3-0, on Sunday afternoon at FAU Stadium.
"First of all you have to tip your cap to (Owls pitcher Jeremy) Strawn. He was really effective today, throwing two pitches consistently for strikes and working ahead" Alabama (6-1) coach Mitch Gaspard said. "We got out of our game plan a little bit today and tried to pull the ball and made some early outs. We never got into a rhythm offensively, but that has a lot to do with the pitcher on the other side and how Florida Atlantic played today."
The Crimson Tide collected just four hits. Strawn (1-0) threw eight scoreless innings with no walks and six strikeouts. Hugh Adams threw a scoreless ninth to record his second save of the season.
UA starting pitcher Spencer Turnbull (0-1) took the loss after throwing six innings, allowing three runs on eight hits with a walk and two strikeouts.
"Turnbull gave us a quality start and Hubbard did a nice job keeping the game close to give us a chance, and defensively we had an errorless game," Gaspard said. "It's a little disappointing to not have more opportunities offensively to score runs, especially when you have a chance to sweep. Overall on the road winning two out of three games is a nice start, but our mission is to be good every day, and we took a step backwards today offensively."
Jake Hubbard threw 12⁄3 scoreless innings and Justin Kamplain pitched a third of an inning to finish the game for Alabama.
Three of the four Alabama hits came with two outs. Ryan Blanchard got a hit in the third inning, Kyle Overstreet a single in the fourth and Georgie Salem a single in the sixth. Brett Booth singled to lead off the Alabama eighth and was the only Crimson Tide player to reach second base.
Florida Atlantic (4-3) took a 1-0 lead after the first three hitters of the game reached base. After Turnbull walked the first Owls hitter, a hit-and-run single put runners on the corners for first baseman Mark Nelson. Nelson delivered a bloop single to left field that scored Nathan Pittman. After Turnbull got Corey Keller to pop out to second, a 4-6-3 double play ended the inning.
Florida Atlantic added to its lead in the fourth. After the first two hitters of the inning singled to put runners on the corners, Turnbull struck out Robert Buckley and a ground ball to third allowed UA to cut down Corey Keller at the plate. After Mitch Morales legged out an infield single to load the bases, Brendon Sanger's single to right field drove in two, extending the Owls' lead to 3-0.
Alabama will return home to play Samford at 6:05 p.m. Tuesday.


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If you have any questions please contact
Stephan Groves
Tel: +44 (0)1273 789989
E: email@example.com
Maximise your networking potential at the Future Food-Tech, London by taking advantage of our 1:1 meeting software.
Pre-arrange meetings with your most important contacts and form new business partnerships at the summit by logging in and viewing the profiles of other key delegates, then get in touch with those that you would like to meet.
All delegates will receive their log in details four weeks before the summit.


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"I enjoy meeting entrepreneurs to talk about the legislative challenges they face during the implementation of their ideas"
Jan Wouter is an involved and assertive consultant. With his research-oriented and analytical skills, he accurately maps complex problems of entrepreneurs dealing with policy and regulatory provisions. Jan Wouter is an experienced project manager who likes to work intensively with stakeholders and strives to obtain solutions which deliver an advantage for all involved parties. Sectors in which Jan Wouter gained profound expertise, are the environment, the built environment/construction sector and waste management.
Jan Wouter has researched the regulatory burden of the new Dutch Environmental Law. On the moment, he is placed in the programme 'Smart Regulation' in the Dutch Ministry of Economic Affairs. In this programme, he facilitates innovative investments for entrepreneurs in the construction sector, by considering solutions within executive governance, laws, regulations and policies. Formerly he was placed as project manager within the Dutch Real Estate Agency, on the topic safety and health.
"I love analyzing complex problems and then – in close collaboration with my clients – identify solutions."
Rob is a dedicated and creative senior consultant, who can solve complex problems through analysis and successfully engage with a large number of stakeholders.
In the past ten years he has executed a variety of projects in which the regulatory burden of national and international legislation was measured using the Standard Cost Model (SCM). In addition, Rob advices (local) governments to improve their public services.
At Sira Consulting Rob accrued years of experience in executing Regulatory Impact Assessments (RIA´s) for new regulations. His specialties include the environment, biobased- and circular economy.
"I enjoy the interaction with stakeholders, especially in politically sensitive projects where we have to rely upon each other to achieve the best results. I focus on the larger strategic picture."
Joey can best be described as a dedicated project leader with a comprehensive, empathic understanding of his clients' needs. With great creativity he helps clients find solutions for their problems. He has a systemic mind-set and combines content-expertise with process-expertise.
For over ten years Joey has advised national and local governments on how to improve their service delivery to citizens, businesses and professionals.
Joey has practical experience with and in-depth knowledge of policy-making. He is an expert on policies relating to healthcare, work and income. Joey is an experienced and certified conflict-mediator. In addition, he is known for his charismatic presentation and facilitation skills.
"I support governmental organizations with practical improvement measures to stimulate the ease of doing business".
Professional, serious and dedicated: Michel is a constructive sparring partner who consistently achieves above average results for his clients.
Michel spent de last 10 years specializing in the reduction of red tape, process improvement and the improvement of public services. He has conducted a large number of impact assessments, baseline measurements and policy evaluations. He also played an important role in the development and implementation of methods to map the effects of public services and regulations. Examples are the Mark of Good Public Services (MGPS) and the local Impact Assessment.
Michel executes projects in a variety of countries around the world. For example, he helped develop and implement the Mark of Good Public Services (MGPS) by municipalities in South Africa, with the aim of realizing a healthy business climate, creating jobs and fostering the (local) economy.
"I will deliver the best solution in close cooperation with the client."
Creative, involved and dedicated: Joland delivers maximum results that answer all of a client´s research questions. He has executed numerous projects in which the regulatory burden of national and international legislation was measured using the Standard Cost Model (SCM). In addition Joland has developed and implemented a range of other calculations models at Sira Consulting. An example is the CAR-methodology for reducing the regulatory burdens for specific economic sectors.
His specialties include spatial planning, environment and traffic. His key expertise is in the application of IT and national governmental databases in order to reduce regulatory burden.
Joland has been active in various European countries. For example, he taught and supervised a group of Irish government officials on how to apply the SCM in a baseline measurement for seven Irish departments.
"What is my most important drive? Prevent unnecessary regulatory burden."
Patrick is a content-driven project-leader who is able – even under time-pressure – to deliver good results. Since 2003 he works on research related to the (financial) effects of new or changed laws and regulations.
Patrick´s areas of expertise include the Environment Planning Act, Building regulations, and legislation pertaining to transport and hazardous substances. He regularly gives trainings to policy-makers and civil servants at home and abroad. These trainings enable them to independently measure regulatory burden with the integrated Standard Cost Model (SCM).
"Reducing unnecessary regulatory burden and optimizing core processes. That is what I love doing, at home and abroad."
Peter is a warm and charismatic personality. He is a project manager with a clear vision, outstanding knowledge and a good sense for governance and stakeholder management. Peter is the founder and director of Sira Consulting.
Peter has more than 15 years of experience with initiating, coordinating and implementing Regulatory Burden reduction programs. In close cooperation with the Dutch government he developed several supporting tools such as the Standard Cost Model (SCM), the Mark of Good Public Services (MGPS) and the CAR Methodology recently recommended by the European Union.
Peter has shared his expertise with a great many governments around the world. Him and his team have advised about setting up red tape reduction programs, have supported baseline measurements and have ensured knowledge transfer by in-depth and practical trainings.


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Hotels in Gurudeniya, Sri Lanka
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Gurudeniya overviewSpend a relaxing day at Royal Botanical Garden when the weather is nice. Local sights like Pallekele International Cricket Stadium and Horton Plains National Park are worth a visit. Gurudeniya is an inviting destination that has something for everyone.
Where to stay in GurudeniyaWhether you're planning to stay for a night or for the week, the area around Gurudeniya has accommodations to fit every need. Search for hotels in Gurudeniya with Hotels.com by checking our online map. Our maps display the areas and neighborhoods around all Gurudeniya hotels so you can see how close you are from landmarks and attractions, and then refine your search within the larger area. The best Gurudeniya hotel deals are here with our lowest price guarantee.
How to get to GurudeniyaFly in to Colombo (CMB-Bandaranaike Intl.), 55 mi (88.5 km) from downtown Gurudeniya.
What to see around GurudeniyaHere are some top sights to see:
- • Pallekele International Cricket Stadium
- • Horton Plains National Park
- • Malwathu Maha Viharaya
- • Kandyan Art Association & Cultural Centre
- • National Museum
When to visit GurudeniyaWondering when's the best time to visit? Here are seasonal norms to help you plan your trip:
Seasonal temperature averages
- January-March: 91°F day, 72°F night
- April-June: 91°F day, 76°F night
- July-September: 87°F day, 76°F night
- October-December: 89°F day, 73°F night
- January-March: 0.35 inches
- April-June: 0.47 inches
- July-September: 1.06 inches
- October-December: 0.55 inches


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9:00 pm
Masterpiece Classic "Downton Abbey (S2 E5)" The end of the war is in sight and Downton's aristocrats and servants put their lives back together. Mary and Sir Richard go estate hunting. A recuperating Canadian officer imparts things to Lady Edith that could cause problems for the Crawley family. Part 5 of 7G
10:00 pm
New Tricks "Lost In Translation" New DNA tests are conducted on charred remains of an unidentified male corpse discovered in a forest in 1996. The results reveal a family link to a Home Office fingerprint analyst who is an Albanian refugee. Team members are drawn into a world of immigration loopholes, Albanian gangs and family feuds.G
11:00 pm
Richard Bangs' Adventures With Purpose Costa Rica: Quest For Pura Vida In the ninth installment of his Emmy-winning ADVENTURES WITH PURPOSE series, renowned adventurer Richard Bangs explores the ecological nexus of North and South America - Costa Rica. Costa Rica is home to endless natural wonders: wild rivers, fire-spewing volcanoes, verdant rainforests and more species of animals and plants than found in the United States and Canada combined. Bangs attempts to uncover the secret to Costa Rica's success in preserving their small country's extraordinary biodiversity. D


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SOURCE: NexVisionIX
January 08, 2014 09:00 ET
For Less Than the Cost of the Average Monthly Electric Bill, Retailers Can Now Harness the Ability to Turn Interactions Into Transactions
For Less Than the Cost of the Average Monthly Electric Bill, Retailers Can Now Harness the Ability to Turn Interactions Into Transactions
IRVINE, CA--(Marketwired - Jan 8, 2014) - In-store analytics -- solutions to leverage Big Data in the retail store environment -- will be among latest and greatest technology innovations showcased next week as the retail elite gather at the National Retail Federation's 103rd Annual Convention and Expo -- Retail's Big Show in New York City, taking place Jan. 12-15. However many of these solutions will come with a steep price tag that many retailers -- challenged by a slow economy -- can ill afford.
Enter NexVisionIX, who will be introducing an innovative 60-day trial program aimed at breaking the cost barrier for in-store analytics packages. For only $3,000, NexVisionIX will provide a customized proof of concept for retailers demonstrating the power of this world-class in-store analytics offering integrated into retailers' systems.
Winner of an SAP Startup Focus Award in 2013 for most transformative solution with the highest potential to change an industry, NexVisionIX will be demonstrating its powerful Cloud-based in-store analytics solution at the show in the SAP Big Data Lounge (Hall 3A of the Javits Center, next to the SAP Big Data Bus).
"Retailers can now leverage NexVisionIX' in-store analytics to significantly improve store operations -- by optimizing product placements, enhancing promotions, and making better staffing decisions," said Rick Dutta, CEO of NexVisionIX. "We're debunking the myth that Big Data analytics is a massively expensive, complicated and laborious undertaking. With NexVisionIX, retailers can very easily layer these new capabilities on top of their existing systems and extract valuable insights through analysis of transaction data, path, foot traffic and dwell times."
Dutta says NexVisionIX' Cloud-based software as a service platform slashes time to market, and eases the implementation path, so retailers can be operational in mere weeks. This advanced proprietary technology provides retailers with valuable insights into all aspects of their business.
By offering the world's most technologically advanced and proven in-store analytics at an affordable price point, NexVisionIX hopes to put the power of Big Data in the hands of a greater number of retailers. Savvy retailers know that harnessing data to convert customer interactions to transactions is necessary to revitalize in-store sales that retailers say are threatened by increasingly empowered consumers, mobile proliferation and an ever-growing number of channels and choices.
NexVisionIX leverages a combination of RF authentication tracking, a video management platform, video analytics, advanced sensor and facial detection to merge transaction data with physical data gathered from in store shoppers. Predictive algorithms then help determine next best actions that are relevant to influence consumer behavior and affect Merchandising, Store Operations, CRM and eCommerce -- making insights actionable, in congress with downstream retail systems.
NexVisionIX' three different Cloud Analytics packages offer functionality to allow retailers to analyze zone level conversions and traffic trends to optimize conversion, labor and product placement; understand customer segmentation, demographics, and promotion and cross-sell effectiveness; and offer personalized promotions and product recommendations.
About NexVisionIX
NexVisionIX is the leader in Big Data In-Store Intelligence, enabling brick and mortar retailers to apply on line analytical techniques to in-store retail sales. We provide business intelligence analytics to enhance retailers' and brand companies' abilities to increase sales and overall performance. The NexVisionIX platform provides an "Amazon" experience for brick and mortar environments, providing applications to actualize retail Big Data into actionable GamePlans®.
Winner of an SAP Startup Focus Award in 2013 for most transformative solution with the highest potential to change an industry, NexVisionIX is headquartered in Irvine, Calif. Contact us at 714-665-6240, or visit us on the web at: www.nexvisionix.com
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Church of Scotland calls for 'robust' protection over gay marriage
The Scottish Government is being asked to ensure that clergy who cannot in conscience conduct gay marriage ceremonies will not face legal action if gay marriage is legalised in Scotland.
The plea came from the Church of Scotland, which met the Equal Opportunities Committee of the Scottish Parliament on Thursday to give its views on the proposed legislation to change the definition of marriage.
The Church of Scotland is the largest provider of religious marriages in the country, conducting more than 5,500 in 2012.
The General Assembly of the Church of Scotland meeting in May this year instructed several Kirk committees to explore whether the Church should continue to celebrate marriages in the way it does now or adopt the practice common on the continent of all marriages being civil but with couples having the option of a Church blessing afterwards.
Their conclusions will be presented to the 2015 Assembly.
Convener of the Legal Questions Committee, the Reverend Dr Alan Hamilton, said the Church of Scotland continues to hold to the historical Christian understanding of marriage as a union between one man and one woman.
"Marriage is a binding force for good and will continue to be so for many years and generations to come," he said.
"As politicians consider the bill, the Church of Scotland asks for space for itself and for its ministers to decide whether to celebrate same sex marriages.
"We are simply urging that any legislation if approved is robust enough to protect those who in conscience will not want to conduct such ceremonies."
The Kirk review into marriage will also consider the case for church services to be an optional extra after a civil ceremony in light of the potential for ministers to be subject to legal action following the proposed legislation on same sex marriages.
Mr Hamilton said: "The Church will continue to be a constructive voice in the national debate. We will consider the details of the bill carefully and we await clarification on key issues such as education."


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Recently Expedia & Travelocity announced that Expedia will power hotel search for Travelocity. In general, if I need to define this in a single line, it would be "this is the best news for small to mid-size hotel motel owners". All our hotel software customers will benefit greatly from this deal between the two giants in hotel room reservation sources.
For majority of the independent hotels, the major sources of revenue amongst the OTAs are Expedia, Hotels.com, Priceline & Booking.com. There are few other popular OTAs for small and medium size independent hotel owners like Travelocity & Orbitz, but these hoteliers were at disadvantage due to strict sign-up policy. For last few years it has been very difficult to sign up your property with Travelocity merchant program. It has been hard to find a market manager willing take on mid-size and smaller properties. Majority of the time application was being rejected by one or other reasons, except for the properties in superior locations. As a result, the independent hotels were suffering most by not being able to generate business from the vast network of Travelocity.
Recent marketing strategic partnership between Expedia & Travelocity will open up completely new market for independent hotels. In my view Travelocity loyal travelers will now have lot more choices in bookings, which will include various range and rating properties backed by Expedia. Independent hotels & motels will benefit significantly out of this deal without signing any new contracts. They will now see customers from 3rd biggest OTA in market, Travelocity! Now independent hotels & motels will compete with franchise hotels on Travelocity to get fair platform and fetch new customers from Travelocity which were previously illusive to them. Next year many properties will get maximum benefits out of it.
Anand Systems Hotel PMS software fully supports the 2 way interface. Hoteliers and Moteliers can manage your daily rate and package rate directly from within the Anand Systems PMS system. Inventory will synchronize in real time while reservations get automatically downloaded to ASI FrontDesk Hotel Software. This OTA interface is direct to source and hence no need for GDS connectivity and more importantly a huge cost savings of no pass-through fees! Anand Systems Hotel PMS does not charge any booking fees or commissions.
Anand Systems is a leading hotel software company providing software since 1998 and has more than 4600+ customers across the globe.
If you like to know more information than please contact us at http://www.anandsystems.com
Running and managing hotel are challenging stuff in today era and so it is very important to have very efficient hotel check in software to manage your day to day operations.
In traditional early days small to medium size hotel owners use to work on manual papers. Those days biggest problem was to managing every day daily sheet and keep track of all collections, rent & tax calculations. This was working out good for small size motel operations but still it generate lot of work at the end of the month, as they need to calculate all collections and also at the same time need to calculate city, county & state tax calculations.
In 90's when personal computer started to become available, there is need generated for check in software for hotels to automate daily tasks. There are few companies emerge during those days and was charging some very high fees to satisfy some basic hotel operations. In early days software vendors use to charge in $35000 to $50000 for basic check in software and hotel don't have any option but to get those software at expensive price.
We at anand systems was keep track and eye of this development and we realize that some Indian need to enter into this business to satisfy need of small to medium size hotel requirements. First we were not planning to developer commercial product of check in software and we decided to write software for few of our relatives & friends. This is more like in house development for 4-5 small size hotels & motels. We started development in 1996 and install basic system in 1997 at 4-5 hotels in Oakland Califonria region. In house written check in software was much appreciated by frontdesk persons and hotel motel owners who used and work on 1st version of this software. This generates full confidence to us and we decided to make commercial product of it. We firm company in 1998 and give a name Anand Systems Inc. Many times people are asking who is "Anand". We like to share this is just the name we use to share happiness among our community. We don't have any one with Anand working in our company but it's symbol to give happy faces to all hotel owners by not paying such expensive fees for check in software. This is how Anand Systems begin and today become one of the top most selling hotel software in USA, Canada & other parts of world.
Our check in software is exactly replication of daily work perform by hotel owners. It do manage your all rental charges, tax exception calculation, various type of deposits, managing your direct billing contracts, at the end of the month tax calculations, It also general traditional daily sheet which hotel use to manage it by hand. Anand Systems check in software is been evolved on 6 major release includes, 4.0, 5.0, 5.1, 5.2, 5.3 & now latest version is 6.0.
We Indian operate our property in different way than how other people run there business. We design our hotel software in such a way so it exactly meet all requirements how we run our business and also take care of our special needs about how to handle cash collection, how easy to operate & most important talk to our people in there own language which they understand well i.e. Gujarat, Hindi & English.
Now a days basic daily sheet replacement check in software become big and it keep ahead of how hotel technology is pen out in last 15 years. It currently serve all requirements of any size of hotels & motels. It is one of the top selling hotel check in software in US & Canada. Installations are there in all US 50 states and all 10 Canada provinces. Visit our website at http://www.anandsystems.com


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Legal Status
Document Details
Published Document
Office of the Assistant Secretary for Housing—Federal Housing Commissioner, HUD.
In accordance with HUD regulations, this Notice changes the mortgage insurance premiums (MIP) for the Section 221(d)(4) and the Section 232 Federal Housing Administration (FHA) mortgage insurance programs whose commitments will be issued in Fiscal Year (FY) 2005.
Comment Due Date: September 22, 2004.
Interested persons are invited to submit comments regarding this rule to the Regulations Division, Office of General Counsel, Room 10276, Department of Housing and Urban Development, 451 Seventh Street, SW., Washington, DC 20410-0500. Interested persons may also submit comments electronically through either:
- The Federal eRulemaking Portal at: http://www.regulations.gov; or
- The HUD electronic Web site at: http://www.epa.gov/feddocket. Follow the link entitled "View Open HUD Dockets." Commenters should follow the instructions provided on that site to submit comments electronically.
Facsimile (FAX) comments are not acceptable. In all cases, communications must refer to the docket number and title. All comments and communications submitted will be available, without revision, for public inspection and copying between 8 a.m. and 5 p.m. weekdays at the above address. Copies are also available for inspection and downloading at http://www.epa.gov/feddocket.Start Further Info
Michael McCullough, Director, Office of Multifamily Development, Department of Housing and Urban Development, 451 Seventh Street, SW., Washington, DC 20410-8000, (202) 708-1142 (this is not a toll-free number). Hearing- or speech-impaired individuals may access these numbers through TTY by calling the Federal Information Relay Service at (800) 877-8339 (this is a toll-free number).End Further Info End Preamble Start Supplemental Information
On March 17, 2003 (68 FR 12792), HUD published a final rule on "Mortgage Insurance Premiums in Multifamily Housing Programs," which adopted, without change, the interim rule published on July 2, 2001 (66 FR 35072). The final and interim rule revised the regulatory system for establishing the MIP. Instead of setting the MIP at a specific rate, the Secretary is permitted to change an MIP within the full range of HUD's statutory authority of one fourth of one percent to one percent through a notice, as provided in section 203(c)(1) of the National Housing Act (the Act) (12 U.S.C. 1709(c)(1)). The final rule states that HUD will provide a 30-day period for public comment on future notices changing MIPs in multifamily insured housing programs. These regulations are codified at 24 CFR 207.252, 207.252a, and 207.254.
This Notice announces a change in the MIP for programs authorized under Sections 221(d)(4), 232, and 241(a) of the National Housing Act for FY 2005 (12 U.S.C. 1715l(d)(4), 1715w, and 1715z-6 respectively). The mortgage insurance premium for the Section 221(d)(4) new construction and substantial rehabilitation multifamily apartment program without low-income housing tax credits has been lowered from 50 basis points to 45 basis points. The mortgage insurance premium for the 232 new construction and substantial rehabilitation of health care facilities and 241(a) supplemental loans for Section 232 projects has been increased from 50 basis points to 57 basis points. The effective date of these changes is October 1, 2004.
Certain project mortgages with low-income housing tax credits (LIHTC) require a 50 basis point MIP. Thus, an application under Section 221(d)(4), which requires 45 basis points without LIHTC, requires 50 basis points with LIHTC. In the rare occasion when the new construction of an assisted living facility has LIHTC, the MIP is 50 basis points instead of 57 basis points. Under the Department of Housing and Urban Development Reform Act of 1989, Pub. L. 101-235 (Approved December 15, 1989) and HUD's implementing instructions, a sponsor is required to submit a certification regarding governmental assistance including low-income housing tax credits with all mortgage insurance applications.
Whether or not LIHTC are involved, the multifamily programs under the following Sections of the Act will remain at 80 basis points and will continue to require a credit subsidy obligation: Section 221(d)(3) for nonprofit and cooperatives for new construction or rehabilitation, Section 223(d) for operating loss loans for both apartments and health care facilities, and Section 241(a) supplemental loans for additions or improvements to existing apartments. The MIP for Sections 207, 213, 220, 223(a)(7), 207 pursuant to 223(f), 231, 232 pursuant to 223(f), 234(d), 242 and Title XI remain unchanged at 50 basis points.
The mortgage insurance premium for risk-sharing applications under Sections 542(b) and 542(c) of the Housing and Community Development Act of 1992 remains at 50 basis points. The premium is shared by the Participating Entity or by the Housing Finance Agency in proportion to the risk assumed by the Entity or Agency. Premiums and risk under Section 542(b) are shared equally. The premiums for 542(c) are contained in 24 CFR 266.604.
The mortgage insurance premiums to be in effect for FHA firm commitments issued, amended, or reissued in FY 2005 are shown in the table below:
|Basis points
|Section 207—Multifamily Housing—New Constr/Sub. Rehab
|Section 207—Manufactured Home Parks
|Section 220—Housing In Urban Renewal Areas
|Section 221(d)(3)—Moderate Income Housing
|Section 221(d)(4)—Moderate Income Housing
|Section 221(d)(4)—Low-Income Housing Tax Credits
|Section 223(a)(7)—Refinancing of Insured Multifamily Project
|Section 223(d)—Operating Loss Loans
|Section 207 pursuant to 223(f)—Purchase or Refinance Housing
|Section 213—Cooperatives
|Section 231—Housing for the Elderly
|Section 232—Health Care Facilities
|Section 232—Low-Income Housing Tax Credits
|Section 232 pursuant to Section 223(f)—Purchase or Refinance Health Care Facility
|Section 234(d)—Condominium Housing
|Section 241(a)—Additions & Improvements for Apartments
|Section 241(a)—Additions & Improvements for Health Care Facilities
|Section 242—Hospitals
|Title XI—Group Practice
|*First Year MIP for these programs remain at 100 basis points.
Applicable Mortgage Insurance Premium Procedures
The MIP regulations are found in 24 CFR part 207. This Notice is published in accordance with the procedures stated in 24 CFR 207.252, 207.252(a), and 207.254.
Transition Guidelines
A. General
If a firm commitment has been issued at a higher MIP for a Section 221(d)(4) loan, and FHA has not initially endorsed the note, the lender may request the field office to reprocess the commitment at the lower MIP and reissue the commitment on or after October 1, 2004. If the initial endorsement has occurred, the MIP cannot be changed.
B. Extension of Outstanding 50 Basis Points Firm Commitments
FHA may extend outstanding firm commitments when the Hub/Program Center determines that the underwriting conclusions (rents, expenses, construction costs, mortgage amount and case required to close) are still valid in accordance with Mortgagee Letter 03-21, "FHA Policies for Controlling Multifamily Firm Commitments and Credit Subsidy," dated December 3, 2003.
C. Reprocessing of Outstanding 50 Basis Points Firm Commitments
- FHA will consider requests from mortgagees to reprocess outstanding firm commitments at the lower mortgage insurance premium for Section 221(d)(4) once the new premiums become effective on October 1, 2004:
1. Outstanding commitments with initial 60-day expiration dates on or after the effective date of this MIP notice.
- FHA Multifamily Hub/Program Center staff will simply reprocess these cases to reflect the impact of the lower MIP and reissue commitments with a new date.
2. Outstanding commitments with initial expiration dates prior to the effective date of this MIP notice which have pending extension requests or have had extensions granted by FHA beyond the initial 60-day period of the commitment.
- These cases will require more extensive reprocessing by FHA staff. Reprocessing will include an updated FHA field staff analysis and review of rents, expenses, construction costs, particularly considering any changes in Davis-Bacon wage rates, and cash required to close. (An updated appraisal and other exhibits may be required from the mortgagee depending on the age of the appraisal and the age of the commitment. (See Mortgagee Letter 03-21) If reprocessing results in favorable underwriting conclusions, Hub/Program Center staff will reissue commitments with a new date at the new MIP.
D. Reopening of Expired 50 Basis Points Firm Commitments Under Section 221(d)(4)
FHA will consider mortgagee's requests, which may be either updated Traditional Application Processing (TAP) firm commitment applications or updated Multifamily Accelerated Processing (MAP) applications with updated exhibits, to reopen expired 50 basis points commitments on or after October 1, 2004; provided that the reopening requests are received within 90 days of the expiration of the commitments and include the $.50 per thousand of requested mortgage reopening fee. Reopening requests will be reprocessed by FHA field staff under the instructions in paragraph C.2 above and Mortgagee Letter 03-21.
After expiration of the 90-day reopening period, mortgagees are required to submit new applications with the $3 per thousand application fee (MAP applications must start at the pre-application stage).
Credit Subsidy
In FY 2005, the same three programs will require credit subsidy as in FY 2004: Section 221(d)(3) for nonprofit and cooperatives for new construction or substantial rehabilitation, Section 223(d) for operating loss loans for both apartments and health care facilities, and Section 241(a) for supplemental (additions or improvements for apartments) loans for additions or improvements to existing apartments only.Start Signature
Dated: August 13, 2004.
Sean Cassidy,
General Deputy Assistant Secretary for Housing.
[FR Doc. 04-19221 Filed 8-20-04; 8:45 am]


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Gowardhan's Go brand treats Indian customers with respect!
I have been a user of Amul butter and cheese ever since I remember. Who isn't, in India, really? When Britannia launched its range of butter and cheese, I started trying them for sheer want of new options and then alternated between the two. For example, the cheese spreads from Amul, in my opinion, seem to retain its thick, viscous… Read more →