text:
Here is something positively new in the line of mystery stories. Colonel Ashley, a military man turned detective, is a character that once known is never to be forgotten. The plot hinges on a murder and the mysterious disappearance of a cross of diamonds, and suspicion points to the lover of one of the sweetest girls ever introduced in fiction. And then--and this is unusual in a detective story--there is some real humor, the trail of Spotty, who was willing to confess to anything
, shiny, drizzle-swept street.
"Only Sallie Page, the cook. I'll call her. There's Mrs. Darcy's maid--Jane Metson. But she went away yesterday afternoon and won't be back until about noon. It's past time Sallie was down to get breakfast. I'll call her--"
Darcy made a move as though to go to the rear of the store, whence a side door gave entrance to the stairs leading to the rooms above.
"I'll go with you," said Mulligan, and he shoved himself to an erect posture by forcing his elbows against the showcase on which he had been leaning in a manner to give himself as much rest as possible without sitting down--it was a way he had, acquired from long patrolling of city streets.
"You--you'll go with me?" faltered Darcy.
"Yes, to call the cook. She won't run away," and he nodded toward the dead woman.
"Oh!" There was a world of meaning in Darcy's interjection. "You mean that I--"
"I don't mean nothin'!" broke in Mulligan. "I leave that to the gum-shoe men. Co
Puzzled by a complex murder--the victim having been electrocuted, poisoned, head-bashed and stabbed? And what of all the clocks being stopped at different times, eh? Fortunately the next murder is simpler, no electricity being involved.
Not to worry, for Colonel R E Lee Ashley, America's answer to Inspector Clouseau, is on the job, sneaking and eavesdropping everywhere in the hopes that the murderer will inadvertently confess. Poor fish!
I've just completed the book. The book worths your time. The more chapters you finish, the more mystery events start to happen. If you are mystery lover why wait, download the book and start enjoying your leisure time. I promise you won't be disappointed.
I enjoyed the authors style of applying the quotes from the fishing book he was reading, to the mystery.
It is a regular romance mystery.


text:
There are many ways to make fused glass pendants, and the easiest involves placing a piece of fiber shelf paper between two identical glass pieces, fusing the glass in a kiln and stringing a cord or chain through the cooled pendant. The required supplies are fiber shelf paper, two identical pieces of colored glass, scissors, a soft cloth, a glass kiln, a kiln-washed shelf, a toothpick and a cord or chain. Each pendant takes roughly 10 minutes to assemble; the firing and cooling times depend on the kiln size and manufacturer.Continue Reading
Cut a piece of fiber shelf paper that measures 1 inch by 1/8 inch by 1/8 inch.
Select two identical glass pieces that are 3/4 inch long and 1 1/2 inches high. Polish the pieces with a soft cloth.
Lay one glass piece on a flat surface. Set the paper strip on top, about 3/8 inch from the top edge. Place the second glass piece over the paper.
Set the glass stack on a kiln-washed tray, and insert it into the kiln. Watch the pendant through the kiln's viewing window, and remove it when the top piece of glass folds over the fiber paper.
Turn off the kiln, and wait for it to return to room temperature. Remove the pendant, and poke a toothpick into one end of the fiber paper strip. Push on the toothpick until the paper pops out of the pendant. Thread a cord or chain through the channel.

subset: commoncrawl


text:
Pimples, zits, blackheads or lesion- whatever you call it, acne remains to be the most terrifying and annoying problem faced by almost every individual in life irrespective of his/her age, race or gender. Characterized by redness, irritation and rashes, acne occurs due to internal and external changes in one's body and typically affects the skin of face, neck, chest, back and even upper arms (rarely and only in case of teenagers). People believe that acne is the result of high fat fast foods, dirt and infrequent washing of face, which is not at all true. Although these things can worsen this skin problem but main trigger remains to be the hormones and internal changes inside one's body. That is why acne is one of the biggest nightmares for teenagers who are usually affected by this as they cross their age of puberty. The big problem with acne is not just unpleasant pimples or papules but the scars they leave behind, when treated. In some cases, severe inflammation is also seen.
Generally acne is a common painless skin disease but if left untreated, its severity increases and it can lead to harshness, redness and even pain. It can not only affect a person physically but emotionally and mentally. It can have huge impact on one's social life and self-confidence. People, with severe acne, feel neglected and thus have low self-esteem. Fortunately, there are several treatments available for eliminating this irritating, ugly skin condition. Also one can try out home remedies and self care methods to treat and avoid acne without any side effects. If you are suffering from any type of acne- lesions, blackheads, white heads, maculae, pustules, papules, nodules or cysts- then take the advice of your dermatologist and find a suitable solution.
Causes of acne
There are various factors that trigger acne. Actually, it occurs when pores over the surface of the skin, which open to hair follicle, are clogged due to excess release of oil from the oil glands. These glands, known as sebaceous glands, help in maintaining a soft, healthy texture of the skin and removes dead cells, and dirt. The blocked pores create a bacteria-thriving environment leading to the formation of plug. Depending upon the top of the plug, depth and open plug, one can have different types of acne. Some of the common triggers of acne are:
- Hormones: hormonal changes are major cause of acne and this is the reason why it is most prominent among teenagers and adolescents. Even during menstruation and pregnancy, the changes inside a female body can trigger acne. These changes tend to produce more oil by the glands and thus create suitable environment for the bacteria to thrive.
- Heredity: if you have a family history with acne, then you are more vulnerable to getting it.
- Medication: Acne can also occur as a side effect of certain medications like vitamins tabs etc. o doubt vitamins are essential for the body but excess of everything is bad. Excessive intake of Vitamin B1, B12 and B6 can cause acne.
Other factor that can cause this skin problem are unhealthy lifestyle, diet, stress, pollution and oil base make up. If your skin is oily then the combination of oil and dirt could turn the situation from bad to worse.
Treatment for acne depends on its severity and skin type. Your dermatologists will first study these two factors before moving ahead with the cure. Some of the products and treatments used for acne are resorcinol, benzoyl peroxide, Retin-A, Azelaic acid etc. You are also given antibiotic and anti-bacterial medications for curbing bacterial growth. If the acne is severe and cause extreme inflammation and redness, then laser or light therapy can also be used.
Home Remedies of acne
Some of the home remedies you can try for acne are as follows:
- Make a paste of soaked almonds and apply it over the affected region till it dries. Wash it using cold water. This will help in cleaning off excess oil and dirt from the skin.
- Use clay pack for soothing and rejuvenating your skin. Mix clay in rose water or cold water and apply it over your face regularly. Your pimples will soon vanish and you will get a clear skin. You can also use dry lemon or orange peel, in powdered form, to make a face pack for acne.
- If you have scars on your face or neck after the treatment of acne, then clear the area using coconut water on daily bases. This will help in lightening the scars and give you a shinning skin.
- If you have a Neem tree in your locality, collect its bark and make its powder. Now use this powder as a paste and apply over the affected area daily. Neem has medicinal properties and kills bacteria that trigger acne.
- Mix honey and lemon or tomato juice to form a paste and apply it for 15 minutes over the affected area. This will dry out acne and clear away the scars.
- If you want your pimple to vanish overnight, then apply toothpaste over it before going to sleep. Sounds crazy but it actually works!
Once your acne is cleared, it is important to prevent this unpleasant, ugly skin problem from coming back. This can be done by following some of the tips given below.
- Wash your face regularly, especially when you come from outside, using a mild, medication soap or face wash. Be gentle while doing so and do not rub your skin.
- Use OTC lotion which has benzoyl peroxide that has anti bacterial ability and kills bacteria, thus eliminating acne and its symptoms.
- Don't touch your pimples or burst them. Popping of pimples could lead to redness ad leave ugly scares behind.
- Use mild scrubs to scrub your skin and remove excess oil and dirt.
- Before you apply any lotion or cream, keep your hands clean.
- If you wear makeup, then clean it before going to bed. This will not only keep it clean but will make it breathe while you sleep. Don't use oil based makeup, instead go for gel base products.
- Eat fresh green vegetables and fruits and adopt a healthy lifestyle.
- Drinks lots of water to keep your skin hydrated and remove dead cells and waste.
- Visit your dermatologists to monitor your skin health. Avoid using anything that irritates your skin and don't do experiments with skin products without prior consultation with your specialist.


text:
Liam Hemsworth: Ready for Take Off at LAX
Liam Hemsworth runs his hands through his hair as he goes through security at Los Angeles International Airport on Sunday morning (January 5) in Los Angeles.
The 23-year-old Aussie actor was last spotted shopping for furniture with his mom Leonie just before Christmas.
PHOTOS: Check out the latest pics of Liam Hemsworth
In case you missed it, be sure to check out where Liam landed on Just Jared Jr's 50 Most Popular Celebs of 2013 list!
Liam also made our 2013 Marriages and Splits recap after his headline making break-up with Miley Cyrus.
10+ pictures inside of Liam Hemsworth…
Posted to: Liam Hemsworth


text:
Your shopping cart is empty!
Shaft Locking Collar for use with ACME Lead screws to create top quality motion systems.
Your Name:
Your Review:
Note: HTML is not translated!
Rating: Bad Good
A revolution is coming… one where our 2D thoughts are turned into 3D realities and where you have full control of your creative experiments, with a little help from an online expert community that loves to share what we do. Ooznest is a proud cog in that machine - supplying the 3D printing community with what they need to grow and thrive.
Copyright © Ooznest Ltd 2018 - All Rights Reserved


text:
Separate names with a comma.
Discussion in 'The Edge of the Forum' started by Hadrian, Jul 2, 2008.
I think we should start this, Bonemonkies do tend to get broken quite quickly.
my bonemonkey broke after my first go. still waiting for dealextreme to reply about a replacement
Bonemonkey is a tool from the government to slave the people. In the end Bonemonkey and religion are the same thing. Therefore and ergo one could not co exists without one.
every 15,000 bacons i need a oil change
That's no oil, thats ego juice.
you know the part in the iron man movie where the girl has to reach into tony stark's chest and change the part ?
well thats what you gotta to do me but my part is in my anus
and the part you need to change is a frozen fanta dildo
Huh that's what that was! I knew I felt something with my penis.
GBAtemp does not endorse the use of Frozen Fanta Dildos.
I thought that Frozen Fanta Dildos were GBAtemp's #1 best selling product?
it still needs more bacon...
I threw my broken bonemonkey in the bin :/
I licked my BoneMonkey and I grew penises on my nipples.
i heard about a bad factory batch of bonemonkeys delivered in the past.
yeah there are rules to owning a bonemonkey you should have read the manual


text:
February 19, 2014 14:39 ET
Child welfare workers vow to respect Jeffrey Baldwin's memory by pushing province to act
Child welfare workers vow to respect
Jeffrey Baldwin's memory by pushing province to act
TORONTO, ONTARIO--(Marketwired - Feb. 19, 2014) - A key recommendation from the recent coroner's inquest jury verdict in the tragic death of five-year old Jeffrey Baldwin in 2002 is that all of us (as a community) have a collective responsibility to protect at-risk children. This important responsibility, extends to government, says the union representing the majority of Ontario's child welfare staff. And why today the Canadian Union of Public Employees (CUPE) Ontario called on the province to honour Jeffrey and the months of dedication on the part of the coroner's jury, by taking immediate action to better safeguard at-risk children in the care of children's aid societies (CASs).
It is no accident, says CUPE Ontario president Fred Hahn, that nearly half the inquest jury's 103 recommendations are directed to the Ministry of Children and Youth Services (MCYS). "The ministry's role as child welfare system planner and funder is not divorced from child protection on the ground and in practice. It's clear from the recommendations that the inquest jury understands this. I do want to acknowledge the tremendous efforts of the jury. Their dedication over several months at a challenging inquest, is truly appreciated. Their significant recommendations - many of which are aimed squarely on MCYS and focused on needed system changes, must be lauded," says Hahn.
The jury recommendations call for broad changes to the child-welfare system. These include improvements to information-sharing between agencies through a long-promised provincial data base and immediate access for all CAS workers to existing information sharing systems; co-teaming for child-protection workers in situations where a worker's safety is threatened; a provincially-funded campaign to increase awareness among the public about spotting and reporting abuse; a review of the impacts on services of a new provincial funding formula; and additional funding for community agencies for mental health services.
"These are incredibly valuable recommendations. They should not just gather dust, which is unfortunately how MCYS has dealt with past inquest recommendations. This time they must be acted on. So we agree with the minister's comments following the jury recommendations, there is indeed more her ministry can do," says Hahn. With the upcoming provincial budget, Hahn says the minister and her government have an immediate opportunity to act. "To that end we are calling on the minister to act swiftly, before another tragedy strikes our community."
In the decade following Jeffrey's homicide, which occurred while in the care of his maternal grandparents, the province made substantive changes to the child protection system that many sector stakeholders - including CUPE Ontario - agree, help better safeguard vulnerable children and youth. But recent policy and funding decisions by MCYS are threatening that progress, says Hahn, who points to another Jeffrey Baldwin inquest jury recommendation for all the parties with standing at the inquest, to report to the court within a year on the progress the organizations have made on acting on the jury recommendations. "This too, will ensure MCYS and others' accountability," says Hahn.
Nancy Simone, the president of CUPE 2190 (representing child protection staff at Toronto catholic CAS) whose members had standing at the inquest says, "Many child welfare staff have been forever changed by Jeffrey's homicide. I want to personally thank the jury for the compassion they showed the child welfare staff who testified at the inquest. These workers have never forgotten Jeffrey, the pain he must have endured and they are dedicated to never have this happen again to another child."
CUPE OntarioFred HahnPresident416-540-3979CUPE 2190Nancy SimonePresident647-203-2177CUPE CommunicationsStella Yeadon416-559-9300
See all RSS Newsfeeds


text:
Did you know that on the eve of the Iranian presidential election, that country–with 70 percent of its population under 30–has 75,000 bloggers? I find that pretty stunning–and I'm usually skeptical of blog-hype.
Blogging has gone international in a big way. And in Iran, blogging means that news, ideas and rumors are bypassing traditional censors. As one of Iran's leading bloggers recently pointed out at opendemocracy.net, Iran's blogs are generating "an unprecedented amount of information [and] pre-election news has…been much more transparent." In fact, Hossein Derakhshan argued, " it will probably be one of the most open and transparent elections Iran has ever seen."
The internet is playing a major role. This is the first time, for example, that most of the major candidates (except the oldest ones) have their own websites. And with an estimated three or four million internet users in Iran, blogs are opening up Iranian society and culture–despite the enduring threat of government censorship and imprisonment of journalists and activists.
As New America Foundation fellow Afshin Molavi observes, "Most Iranian blogs offer a space to tell jokes, share music files and photos, satirically lampoon Iranian rulers with clever photo-shop doctoring, and generally share personal experiences. The political blogs have a power beyond their small readership because of the reverberation effect: when they break a story or simply spread a juicy rumor, it is immediately emailed to hundreds of thousands of wired Iranians and filtered to the non-wired Iranians through word-of-mouth." (Even a former Vice-President, Mohammad Abtahi, angered many officials for spilling too many secrets in his blog.)
So, for those of you who want to diversify your daily news-feed, here's my list of ten blogs that offer an unprecedented window on Iran's political culture, while helping to open up and make that society more accountable.
1) Hoder.com: Molavi says Hoder is "the godfather of blogging in Iran"; he has a wide following, and numerous Iranian bloggers link to Hoder's blogspot. Hoder's real name is Hossein Derakhshan; his blog, which he calls "Editor: Myself," comes via Toronto, where the Tehran-born Derakhshan now makes his home. He offers observations on the June election and said in a recent email interview that blogs have "given much more transparency to how campaigns operate." And blogs also, says Hoder, have "enabled the campaigns to reach out to a network of educated and influential young students who make up the majority of the blogging community."


text:
American Idol and SYTYCD's costume designer exclusive
Soyon An designs costumes for So You Think You Can Dance and the wardrobe for the American Idol ladies and the current top 10 American Idols current national tour.
An's designs have been seen by hundreds of millions and often her work is topic of discussion on both reality hits. She credits Allison Iraheta as her biggest challenge on American Idol this past season and time as her worst enemy on So You Think You Can Dance.
An works on a schedule that would cause most fashion designers to faint. For Idol, she is given merely hours a week with each contestant and for So You Think You Can Dance -- the prolific designer must craft 20 costumes in 48 hours.
So You Think You Can design?
SheKnows: Is there one thread that each So You Think You Can Dance and American Idol share?
Soyon An: The biggest is the time constraints. As you know on So You Think You Can Dance, we have a show on Wednesday and one on Thursday. With that said, I only get two days to make 20 outfits for Tuesday night's show (Top 10 night). The kids also get a day off a week. The group numbers, which are on Thursdays, I only get 24 hours to make the wardrobe for all the dancers. On Idol, because they have so many schedules with iTunes, rehearsals, Ford video shoots, voice-overs, interviews, choreography – we have to work on each singer for two hours max to shop with them and come up with a look for the show night and the elimination night. We really have dig in and be cohesive with communication and direction and the image the Idols want to go for and what the choreographers want on So You Think You Can Dance.
SheKnows: Two hours to shop for the Idols. You could spend that in traffic in LA alone!
Soyon An: (Laughs) Exactly. It's tricky. You can of have to know exactly where you're going to go or your two hours is spent. Just like that.
SheKnows: Knowing that, I've always thought the looks on both show were outstanding, but I'm even more impressed knowing your schedule. The word prolific comes to mind. For you, is it inspiring still when you have to work at this speed?
Soyon An: You know what, I have to admit. As a creative person, it is. I think when you're pressed against that wall when you have to make it happen and not necessarily as great as it can be, all your creativity is poured into the final minute. Even right before they go on stage, we're sewing pieces on there, just so they get a little bit of extra something. It comes from the schedule as well there are budget constraints. You have to get creative with it.
An's fashion cred goes worldwide
SheKnows: On So You Think You Can Dance, I can't tell you how many times the women dancers say they're excited about a particular dance because they hope to be made up "pretty." Then when they see the costumes and their eyes light up -- for many of these women -- you are fulfilling a dream. Before this show, they never worked with costumes like this, much less performing in them in front of tens of millions of people. For you, as the designer, is that aspect rewarding?
Soyon An: It is very rewarding. One of the contestants she said, 'So Soyon, you wouldn't let me go out there looking fat would you?' I just looked at her. She said, 'I know you wouldn't.' Girlfriend, I got your back. I will not let you go out on that stage on national television looking awful. I promise.
SheKnows: Both American Idol and So You Think You Can Dance, you get some raw material to work with, these people are literally right off the street.
Soyon An: Yeah.
SheKnows: How is that working with people who are, for lack of a better term – green.
Fashion master
Soyon An: It's different. It's a state of mind. When people are fresh, they still struggle with their own identity: who they were before they came on the show. Then, who are they aspiring to be? Then, what's happening in the moment. It's a lot of conversations and while you're trying on stuff you explain to them why certain styles look good on them or why we're going in this direction. Whether on Dance or Idol, I walk them through why we're going this direction and choosing this outfit instead of the other one.
SheKnows: Sounds like a fashion master class.
Soyon An: (Laughs) It is…they totally start to get it and figure out what works for their body type. From there, they start to develop their own personal style that is better than where they started off. For example, Allison, she was my tough cookie this year in Idol. She's young, you know, so she's very impressionable but at the same time figuring herself out. She's got this comfort zone. She's also a tomboy.
SheKnows: You did have your work cut out for you.
Soyon An: I had to plug in all her comfort levels and her old styles and amp it up a few notches. It was a little tricky. Also, getting her to be like, "Oh, I get it. That's totally me!" It's all in the attitude that you can actually wear an outfit and pull it off so it doesn't wear you. It's the same with the dancers on So You Think You Can Dance.
Read on for more Idol and SYTYCD
Last week's SYTYCD recap
Cat Deeley dishes Dance
Clay Aiken talks about his days on Idol
American Idol champ Taylor Hicks exclusive
Don't miss SheKnows American Idol page


text:
Published: 2004/03/30
by Mike Greenhaus
MB2: Marc Brownstein Segues Between Earth and Bisco
Marc Brownstein likes to sample his songs. Segueing between the Disco Biscuits, Electron, JM2, and his newest side project Laverneus Cool, Brownstein has grown accustomed to reinterpreting his songs in different settings—-rearranging his compositions like a DJ sampling records at a rave. For almost ten years, the Disco Biscuits have been at the center of Jam-rock's trance fusion movement, aligned closely with fellow electronic-minded live bands like the New Deal, the Ally, Brothers Past, Lotus, and Sound Tribe Sector 9. In fact, during the Disco Biscuits' inverted New Years run, Brownstein birthed the trance fusion super group JM2, which includes former Ally drummer Mike Greenfield, New Deal Keyboardist Jamie Shields, and Biscuits' guitarist Jon Gutwillig. During his birthday weekend this April, Brownie will also keep busy, resurrecting the original incarnation of side project Electron for a performance at BB King's Blues Club (April 10) and debuting his newest quartet Laverneus Cool at this spring's Syn party (April 9). Featuring moe. guitarist Al Schnier, Shields, and Electron drummer Joe Russo, Laverneus Cool will be a true improvisational experience, collecting four musicians who have never shared the stage together as a quartet.
Following his performance with rapper Slick Rick at the Jammys, and a guest-laden late night jam session with JM2, Brownie gave his forecast for the future of Electron, his newest studio sessions, and the Disco Biscuits' current tour plans. And, once and for all, he also set the record straight on how Biscuit kids should wear their hats.
Currently, you're working on some new tracks in the studio. Do you hope to release these studio sessions as part of a new Disco Biscuits album?
Not necessarily. Right now it's just me and [DB keyboardist Aron] Magner in the studio and we're having all the drum beats done by an electronic producer. We haven't decided what we're going to do with it. We might release a Biscuits album Outkast style, with individual works by the different guys in the band and have that be the new Biscuits' album. Personally, I think we are moving away from trying to recreate in the studio what the Biscuits do live. Right now, we are all doing four or five day shifts. We are in different studios, but everyone in the band is recording now.
What sparked your decision to return to the studio?
We decided to take a couple of months off from the band and everyone wanted to do some studio work, but we didn't want to go through the quandary of trying to recreate what the Biscuits do live in the studio again. We've already tried to do that and we've already tried not to do it. We've even tried to do it again and tried not to do it again. With the Biscuits' albums it's always a quandary we're in: What we do live isn't recreatable in the studiowithout the crowd and the vibe. So what we have started to do is put out Trance Fusion Radios: to multi-track every show we play and put Biscuits albums out that way. We go back and overdub the Trance Fusion Radios in the studio, so they are sort of hybrid studio/live discs. We redo the vocals and stuff. We're definitely not ashamed about it. We're trying to put out the best product possible.
What are your current studio experiments like?
We're taking some electronic Biscuits songs and making full electronic versions of them. Right now we've got some Biscuits songs and some non-Biscuits songs and we're making a hybrid album. It's an electronic album, a little bit Perfume style. Right now there is no guitar on the record it's all computers, synthesizers, sequencers, and samplers. We're taking some songs and recreating them completely and doing some songs kind of how the Biscuits do them. It's sort of the next logical step, from say, a Perfume style album, which was us doing electronic drums and then playing baselines or guitar lines. Now what I am doing is programming bass lines and using sequences instead of guitar lines. There is a distinct possibility that this is going to be a solo album, or this could be a Biscuits album. I also know Moshi Moshi is doing a record. There is also a possibility that this is going to be part of a greater project like Outkast's new disc.
This spring, you are reuniting the original Electron lineup. What songs are going to be included in your set list?
We're going to revitalize the Electron set. We're also going to bring some of my newer Biscuit songs into the Electron set. I'd like to reinterpret some of my newer songs electronically in the studio and with different players, like the guys in Electron. It's always fun for me to see different musicians take on the same compositions. I always get a slightly different guitar line from Tommy [Hamilton] and a different drum line from Joe [Russo]. It's fun to do. For me, Electron is a way for me to play my songs when the Biscuits aren't on tour.
That's especially interesting because many of your current Disco Biscuits staples were originally intended to be part of Electron's set.
Exactly. That's part of the thing about Electron. Electron is a subdivision of the Biscuits culture. You're extracting certain things out of the Biscuits set and bringing them to Electron. In reverse of that, the situation that stood at the very beginning of Electron is that I was writing a lot of songs for Electron and then bringing them back to the Biscuits set. I am like that as an artist. I like to play my songs in different forms and do them differently in the studio and differently with those guys and these guys. I like to reinterpret things.
Yet, you seem to keep a non- variable in your side projects, whether it's Jon playing in JM2 or Aron playing in Electron.
It's great because we are so accustomed to playing with each other, whether it is me and Magner or me and Jon. There is a foundation there—an understanding. There is a level of communication that has been going on for almost ten years. It makes it a little easier when you're coming to a new project to have that sort of a camaraderie. It definitely makes it easier to make the music tighter when there is someone there that you know under all circumstances. The great thing about JM2 is that I have complete faith with Jon, Jamie [Shields], and Mike [Greenfield] that the musical conversation we create is as tight as the conversation we have with the Disco Biscuits. The reason we put JM2 together is that there is a natural understanding there between us. We didn't need ten years to get to that level. It's the same thing with Electron. Joe and Tommy have a very good understanding of the style of music I write. Whether it's JM2 or Electron, I've found I have as easy of a time, or even an easier time, with improvisation as I do with the Disco Biscuits. A lot of that has to do with the freshness of the situation. But the key here, with these guys, is that they are great listeners. Me and Barber know how to listen to each other. We know how to react to each other. We know how to imply what we are looking for with certain notes and harmonies. The worst thing in improvisation is having someone get up there and just play without listening.
Since the Ally's disbandment, Mike Greenfield has been a frequent Disco Biscuits guest. Have you ever entertained the idea of adding him as a full-time touring member?
We haven't really talked about is as a band, but I've certainly considered it myself. I love Mike's drumming. He is so well practiced and has such a great feeling. He brings an inspirational exuberance anytime he plays with the Biscuits. It's elevated the music to a different level. There is a thickness that you can't get with one drummer. Putting Sammy and Mike together is just so intense.
People really seemed to respond to his performance at January's Jeremy Wainland Benefit shows.
I think what people are reacting to is the intensity of having two amazing drummers working back and forth. It's such an exciting thing to have to two guys who love to play together behind the kit, rhythmically feeding off each other. It brings everyone up to a certain rhythmic level. Actually lots of Biscuit kids seem to ask me, "why is Mike playing with you so much? Why was he up there at the Jammys?" Ever since the Ally broke up there is just this guy we're really close friends withan insane drummerwho doesn't have his band. For me, it's a pleasure to have him come up at places like the Jammys. Mike's in school now, but I think it's disastrous for the music industry for a guy like Mike to be going back to school. There is no reason for it. I told him, "Quit school and jump in head first." He told me, "Tell me when JM2 tour starts and I'll do it that day."
Can fans expect JM2 to tour this summer?
We are going to do some JM2 shows in early July, right before my wife is giving birth. Our first offer just came in today actually and we are going to build a little tour around it.
How about the Disco Biscuits? Do you foresee the Biscuits touring as hard as you did in 2001 or 2002?
I think what I see us doing is making the best music possible to be made with the musicians we have available to us. We're going to serve our fan base with the best possible music we can give to them, depending on the circumstances. Right now, the circumstances are I am having a baby and I live out west and the other guys live out east right now. I am just not in a situation right now where I can leave for two or three months at a time. Years go by and years go by. There is always going to be time to go on huge tours and this just isn't the time. There is going to be a small Disco Biscuits toura four or five night run—-coming up in May. It's been a longtime in the waiting for us to take an extended break. We always promised ourselves in 2000 that we wouldn't go 3 or 4 years without an extended break. Whether it is a month or a year, we need to take off a serious amount of time to keep it fresh. We need to shift the focus away from Marc, Jon, Aron, and Sammy to make the best music for our fans. I think what makes the best music is taking a step back and concentrating on our personal ideas. If you listen to our albums, sometimes it's smooth from start to finish and sometimes it's a hodgepodge of styles. Certainly Senor Boombox was a hodgepodge. I love Senor Boombox, but I am not interested in putting out hodgepodges right now. It transverses five or six styles of music and for me doesn't have the flow it could have. That's what I am doing now. I am making an album that is going to flow from start to finish. Certain ideas are going to carry through the whole disc. It's going to have a certain sentiment both lyrically and musically.
Which of your Disco Biscuits' compositions are you most proud of?
I think the newest stuff that I've come out with is the best stuff. I don't want to say that I am moving away from rock entirely, but for me the more electronic stuff—the "Caterpillars," the "Rock Candies," the "42s"—is the best. But, then again, I wrote "Therapy" this year and it's one of the best rock songs I've ever written.
At the Jammys, the Disco Biscuits were paired with rap-icon Slick Rick. How did you prepare for your performance with Rick?
You don't rehearse for the Jammys right [laughs]? We just learned how to play "La-di-da-di." We got together with Rick the night before the show and talked about the song a little bit. Up until the Snoop Dog version of it "La-di," there is no music behind it. So we got to improvise the music behind it.
Who was the coolest person you met at the Jammys?
Rick was the coolest person at the Jammys hands down. There is no one cooler than Rick. Now, [Relix Staffer] Barry Frank may be cooler than Rick, but it's a totally different type of cool. Have you ever seen someone with as much body armor on as Rick? I never have. The dude has diamonds on his eye patch. That having been said, it was nice to have Kate Hudson there. We were mulling around and I bumped into her a few times. That was nice, I'd like to bump into Kate Hudson any day. But it was also great to see Victor [Wooten] and Oteil [Burbridge]. As a bass player, it's always great to see them. It was really great to see Warren [Haynes] againI haven't seen him in like a year. That's amazing since he is everywhere, but I have been laying low. I love Warren so much. He is such a pussycat.
How did your collaborations with Slick Rick differ from your 2001 Jammys spot alongside John Popper and Stanley Jordan?
Slick Rick wasn't an improv situation. For us it was because we were improvising the music underneath, but Slick got on and performed the song and that's that. With Popper there was no practice. We just got on stage and told him what we were going to play and he just got on stage and played it with us. That was true improvisation. We did something different [this year] because Flav wasn't there and Rahzel wasn't there. We had a little extra time so we used it to play "Rock Candy." We said, "Why don't we give the Theater at MSG a little bit of what the Biscuits are about"show them why we are here in the first place. We got onstage and jammed electronic music. A lot of time at the Jammys you get onstage and play someone else's' songs or style of music.
How are you going to balance you preparation for Electron and Laverneus Cool?
With Electron, we are going to spend the week working on putting together an Electron show. At the Syn party, we are going to just get onstage and just play electronic music. Jamie has never played with Joe. Jamie has never played with Al. I have played with all three of these guys, and I have total faith in their musical abilities. There is a collective thing going on in our scene and it's independent of the thing going on in your Govt' Mule/Allman Brothers kind of world, which is a little bit older and little more well known. But there is a thing going on in the underground. There are a lot of guys who are becoming really skilled at playing over electronic beats and an electronic vibe. Over the last year, if anything has become clear, it's that these guys like to play together.
Tell us a bit about your connection to Yossi Piamenta, who played with JM2 at the Jammy's post-party.
The Hasidic Hendrix! I had met Yoshi's brother Avi in Italy two summers ago. I was in Venice and met Avi Piamenta at a Kabbas event on Shabass. We were up there checking out the Jewish ghetto in Venice and ran into some people and they realized we were Jews. Our wedding had just passed and it was still within our bruchas. We went out to this party that they threw for us and Avi Piamenta was there. These guys are famous in Israel – rock stars. I kind of saved the day actually. They didn't know how to set the stage up for Avi. They had wires coming out of their payis. So when Yoshi came to us, I was like, "I got to do this." It worked out great and Billy [Nershi] got to use his equipment.
Had you ever performed with Bill Nershi before the Jammy's post-party?
No, but we've crossed paths a lot. Billy is one of the top guys in the scene. I'm not just talking about musically. He's just a doll, such a wonderful guy, so positive. It's great to get to jam with him because it's such a different thing. Bringing a guy like that and putting him in an electronic setting is a totally different vibe. He was having fun and we were having fun. It was great. I saw Billy at the Jammys and invite him over and he came. We were surprised because it was so late. For the Jamband kids, it must have been a thrill because it was so unexpected.
What member of the Jamband community that you've never played with would you most like to collaborate with?
Warren. I love Warren. Personally I love Warren, professionally I love Warren, and artistically I love Warren. It's almost happened like five times because we've been on tour with Phil and Friends, but it's always a cluster-fuck in situations like that. I definitely regret that it hasn't happened yet, but I wouldn't be surprised if it isn't too long before we get Warren onstage.
If you weren't a professional musician, what would you like to be?
If I wasn't a professional musician, I'd probably be a professional snowboarder. I'm not much of a day job kind of guy. I love to do artistic things and turn them into pleasure for me and other people. The thing I am artistically the best at outside music has got to be snowboarding. I make good snowboarding music too. I know we've been on a couple of surf compilations and videos.
Once and for all, what is the appropriate angle for a Biscuit Kid to turn their hat?
The appropriate angle would be at 0 degrees forward. But in the Biscuit scene, I started the cocked-hat thing and I think a 45-degree angle is right— 45-degrees in any direction that is.


text:
Anne Hoiberg
A life of involvement and leadership characterizes Anne Hoiberg. Her professional and social achievements along with her dedication to improving conditions for women around the globe, embody what it means to be this year's Women's Hall of Fame Activist inductee.
After earning her Masters in Psychology from San Diego State University, she began working as a research psychologist at the Naval Health Research Center. Over the next 25 years, Anne wrote over 130 scientific articles and presented at more than 90 conferences around the world. She worked on women's health issues, women in the military, domestic violence, alcohol abuse, stress-related disease, and the role of the military in society. Anne has written two books, Women and the World of Work and Women as New "Manpower." She served as associate editor for Psychological Reports and Armed Forces and Society and was asked to conduct sexual harassment prevention seminars.
Since the 1980s, Anne has attended several international women's rights conferences, at which she conducted training workshops. She led the workshop "Women and Political Participation" at AWID in Washington, D.C., at the Fourth World Conference on Women in Beijing, China, and at the World Conference against Racism in Durban, South Africa. She also led the workshop "Trafficking in Women and Children" at the International Women's Congress in Havana, Cuba. In recognition for her work, Anne was appointed an Election Supervisor for the U.S. Department of State and the Organization for Security and Cooperation in Europe during elections in Bosnia and Herzegovina, Kosovo, Belarus, and Ukraine between 1997 and 2004.
In addition to her international work, Anne headed local chapters of the League of Women Voters, the National Women's Political Caucus, Incredible Women Television, and the United Nations Association. She served on the Board of Directors of Voices for Women, Bilateral Safety Corridor, ACLU, Women's Museum of California, and World Affairs Council. Anne was the director of the United Nations Association Women's Equity Council from 1989-2009 and has been a member of the California Women's Agenda, San Diego Opera Association, Inter-agency Coalition for Human and Civil Rights, La Jolla Pen Women, Older Women's League, National Council of Negro Women, and the American Association of University Women.
Anne's dedication and creativity has earned her several prestigious awards and she has served as an inspiration to many. She has put her passion and talent to work writing short plays and speeches about the suffrage movement, as well as articles on women's empowerment, world peace, and women in the political arena. Her commitment to promoting awareness and social change is what it means to be an Activist!


text:
You Can't Detect What You Can't See: Illuminating the Entire Kill Chain
On-Demand Webinar
| June 11, 1999
Leveraging SQL Server 7.0 stored procedures
By Sanjiv Purba
IntroductionLast week I introduced you to stored procedures, database objects that the American National Standards Institute defines as part of the Transact-SQL extension. If you missed part one of this article, I suggest reading it over before you move forward. If you're already familiar with stored procedures and get busy using them, let's get started! Creating and Dropping Stored Procedures Stored procedures are database objects that include the name of the stored procedure, input parameters, local variables, control-of-flow statements, DML statements, DDL statements, some DCL statements, global variables and a return statement. Stored procedures are created with the CREATE PROCedure statement. A stored procedure must be dropped with the DROP PROCedure statement before it is re-created. The syntax to create a stored procedure is as follows:
This command block is used to surround multiple Transact-SQL statements in stored procedures so that they are executed as a single statement. The syntax for this command is as follows:
In this statement, a condition is evaluated at the start of the command block and a branch that matches the condition is then executed. Statements belonging to other conditions are skipped. Control is passed to the statement immediately following the CASE..END block after the statement is executed. The syntax for this command is as follows:
The WAITFOR statement pauses active processing of the batch until a specific statement is true. This command is generally used in conjunction with a timer that stops the processing for a specified time increment before continuing. The syntax for this command is as follows:
The COMPUTE statement is used to calculate results and save them in a declared variable. The following example demonstrates use of the COMPUTE statement:
About the author:Sanjiv Purba is a Senior Manager with Deloitte Consulting. He is the author of five books published by John Wiley, the most recent of which is Building Microsoft SQL Server 7 Applications with COM.
IT Solutions Builder TOP IT RESOURCES TO MOVE YOUR BUSINESS FORWARD
Data Storage
IT Management
Searching our resource database to find your matches...


text:
Lemon Chive Angel Hair with Asparagus
Social Media Sharing
Serving Size:
- 12 oz. Pappardelle's Lemon Chive Angel Hair
- 1 lb. asparagus
- 4 tablespoons butter
- 3 green onions, finely chopped
- 3-4 leaves of fresh mint or basil, finely chopped
- 2/3 cup heavy cream or half-and-half*
- Salt and freshly ground pepper, to taste
- 1/2 cup freshly grated Parmesan cheese
*Or use 8 oz. of Pappardelle's Lemon Alfredo Sauce
- Peel asparagus by inserting a small, sharp knife at base of stalks and pulling upwards towards the tips. Drop asparagus into a large pan of rapidly boiling water. Boil until tender, 4–6 minutes.
- Remove asparagus from water, reserving the cooking water. Cut the asparagus tips off and cut the stalks into 1-1/2 inch pieces. Set aside.
- Melt the butter in a large skillet. Add the green onions and herbs, cooking for 3–4 minutes. Stir in the cream and asparagus and heat gently, but do not boil. (-Or- *Replace cream with 8 oz. of Pappardelle's Lemon Alfredo Sauce and do not mix in Parmesan cheese in Step 5, but sprinkle on top.) Season to taste.
- Meanwhile, bring asparagus cooking water to a boil, add salt, and cook pasta about 6-8 minutes. Drain and add to the sauce in the skillet. Raise heat slightly and mix well.
- Stir in the Parmesan cheese. Mix well and serve at once.
From This Recipe
$6.99 | 11 oz. container
$8.00 | 1 lb. package


text:
Come join us!
It's Lanopearl's first exibition in Dubai at the Beauty World Middle East organised by Messe Frankfurt.
We're located at Stand #4A34
Come in and stay hi!
Beautyworld Middle East will take place at the Dubai International Convention and Exhibition Centre from May 24-26, 2011.
After cleansing, your skin will choose the following options:
· Toner – always choose an alcohol-free formula. Toners help to restore the pH of the skin and remove any remaining oils or makeup that the cleanser did not remove.
· Eye cream – Apply a small dab on your fingers, rub together to warm and apply under the eye in a gentle, tapping motion using your ring finger.
We love the saying: "A little drop a big change"
Here are some common factors which may cause sensitive skin:
Allergies Chemicals in toiletries like artificial preservatives and fragrances. Diet what you consume and imbalanced food intake Stress related to work, studies and lifestyle in general Medication Environmental factors changing weather Hormone fluctuations during pregnancy for women
We recommend the following products for sensitive skin in our lanopearl range tailored for those experiencing the above problems.
These solutions include:
1. Sensitive Serum
An early Easter quote: All I really need is love, but a little chocolate now and then doesn't hurt! Lucy Van Pelt In Peanuts by Charles M. Schulz.
We are very impressed with our gold serum and it's a hot topic in our office at the moment!
Nano particles of pure gold with DNA, RNA plus herbs and the latest breakthroughs in nanotechnology provides absolute blend of luxury and technology.
Nanosome helps the penetration of active ingredients further into the skin, resulting in a youthful and rejuvenated skin.
In life we seem to break rules because we're not made to be perfect. However, we can always strive to be perfect by remebering some simple rules to improve our well being.
1. Never sleep on your makeup
2. Test new products before you use them (on the back of your wrist)
3. Wash your hands on a regular basis
4. Use a serum and moisturiser during the colder months
5. Exfoliate and follow by a mask on a weekly basis
Did you know that?
A SPF 15 can protect up to about 2.5 hrs, which means one application per a day is not enough for those who will be exposed to the sun all day. Remember to reapply throughout the course of the day to shield yourself from harmful rays.
Lanopearl blog
Lanopearl website
Online shop


text:
It's a generally agreed upon fact that Betty White is amazing. At 90 years young -- White's 90th Birthday Special aired last night on NBC, although her actual birthday is today -- she's living proof that strong, witty female icons can get even more fabulous in their later years.
Though Betty White has been well-loved since her days on "The Mary Tyler Moore Show" and most famously, "The Golden Girls," -- who didn't have soft spot for Rose? -- she's gone on to become a cultural sensation. After a successful Facebook campaign launched in 2010 asking White to host SNL, she garnered the show's highest ratings since 2008 and has appeared all over the pop culture map ever since. She was cast in a starring role on the TVLand sitcom "Hot in Cleveland," which received a People's Choice Award this year, wrote the New York Times bestselling memoir "If You Ask Me (And of Course You Won't)," snagged a Grammy nomination and is now hosting NBC's seniors-only prank show "Off Their Rockers." In the meantime, she's attracted fans of all ages -- see Kate Beckinsale's declaration of her love for Betty last night and Amy Poehler's in-good-fun roast.
So, here's to Betty, in all of her fabulous 90 years of glory! In her honor, we've rounded up our favorite Betty White moments -- and six reasons we love her so much.
SLIDESHOW: 6 Reasons To Love Betty White


text:
Red Bay Trees are Dying
Here's a sad story. Our native red bay trees (Persea borbonia) are dying because of the red bay ambrosia beetle (Xyleborus glabratus) that spreads a fungal infection called the laurel wilt. These bugs are native to Japan and India and came to Georgia in 2002 in some shipping crates. They've spread outward and now our red bay trees have been attacked.
A similar infection hit the American elm (Ulmus americana) many years ago. People who traveled through small towns in the Midwest, Mid-Atlantic and New England areas before the 1960s saw magnificent archways of American elms lining many streets. When the Dutch elm disease struck, these towns lost most of their elms. This disease was also carried by beetles that caused a fungal infection, but these beetles were imported from Europe in wood destined to be furniture in the 1920s.
How Do the Beetles Find the Red Bays?
The beetles are attracted to the odor of the red bay trees, but an infected tree is even more attractive. Here's the life history according to Clay County Extension Agent Ray Zerba:
"Once a pregnant female beetle (Males do not fly and so do not spread the disease.) finds a tree, it bores into the sapwood. Inside it inoculates the tunnels it forms with a fungus (laurel wilt fungus), lays eggs, and begins a new colony. It then nurtures this fungus (like a farmer would grow a crop) because the adult female and its young eat it-not the tree. An infested tree gives off an odor that draws more females to it and soon the tree is riddled with tunnels filled with ambrosia fungus. Vessels that conduct water and food plug up and the tree wilts overnight (especially if it's hot and water demand is high). At that point, the tree dies. Trees may re-sprout in a year or so, but the University of Florida tells us those new shoots, when large enough, will also die."
There really is nothing we can do to either prevent infection or stop its progress once it's started. We can only watch in dismay as the trees die. But, do not move the dead wood to other sites, as this will speed the spread of this disease. Burn the lumber or let it rot in place.
Leaves and fruit of the red bay provide a natural food source for a wide variety of desirable critters. The red bays support two types of butterflies: palamedes and spicebush swallowtails plus the burmelia moth. Many birds and other animals eat the small blue fruits as well. The suckers should be able to support the butterflies for a while, so I'll allow them to grow. The red bays will be sorely missed in the ecosystem.
The Overall Effect
Red bays are small to medium evergreen trees reaching up to 50 feet high. The elongated leaves fall in the spring just before leafing out again. We have two full-grown trees on our property. The one out back is in a wooded area growing with pines, oaks, and sweet gums. One day a couple of months ago I noticed that it had turned brown. The other red bay is out by the front pond (See top photo.) and large parts of it have turned brown this fall and more branches are fading. The eaten leaves shown in the photo to the left are on suckers at the base of the tree. As you can see, they are not wilted yet, but they soon will be. We have small red bays growing in a number of areas on our property; maybe the beetles will skip over them.
While red bays have not been widely planted as landscape specimens, they are common in wooded areas throughout Florida. Folks managing habitats will need to replace them with alternatives for the wildlife. Other trees in the laurel family may also prone to this disease, but they are also the most likely replacements to fill the void in the habitat. A bigger concern for Florida agriculture is that avocados (P. americana) are closely related. This bug has already have been found on on a few avocados.
Diversity, diversity, diversity!
This epidemic is an excellent reminder of why diversity in the landscape is important.The problem for many landscapes is that if the developers found a good deal on one kind of tree, it becomes the predominant tree in this neighborhood. When a disease like this attacks, the cover is gone and homeowners have to start out again with saplings just like all those towns that lost their elms. So plant a wide variety of plants for better habitat and for better defenses against epidemics.
Support the Butterflies
The spicebush swallowtail butterflies may start feeling the pinch once the red bays are gone. Its host plants include several species in the laurel family including, spicebush (Lindera benzoin), sassafras trees (Sassafras albidum), the Florida invasive camphor tree(Cinnamomum camphora), and the red bay. Some sources say that they also use tulip trees (Liriodendron tulipifera) and sweetbay (Magnolia virginiana) that are in the magnolia family.
In our yard, in addition to the red bays, we have a number of sweetbay magnolias. I've removed any camphor trees that have sprouted in our meadows because they are invasive, but now maybe I'll leave a couple for the butterflies until they are large enough to flower, then I'll remove them. I'll also purchase some spicebush plants this year to replace the red bays as food for the butterflies. I have the perfect spot in the partial shade out by the front pond for them. I hope the beetles will move on and let the spicebushes feed the caterpillars of these gorgeous butterflies for many years.
- A detailed article in Terrain.org with maps of the spread: Undefended
- Clay County extension agent's article on the red bay ambrosia beetle.
- An article on the red bay wilt fungus in Science News Daly.
Ginny Stibolt moved to northeastern Florida in 2004 and even though she's a botanist and lifelong gardener, Florida gardening was a shock. She started writing The Adventures of a Transplanted Gardener columns for the Times Union newspaper in Jacksonville. This is one of those columns archived here on Floridata.com for your enjoyment. Now she's written three Florida garden books published by University Press of Florida: Sustainable Gardening for Florida, 2009; Organic Methods for Vegetable Gardening in Florida with Melissa Contreras, 2013, and The Art of Maintaining a Florida Native Landscape, 2015. Check out her blog for the latest news and articles: www.GreenGardeningMatters.com


text:
Success In '97 Will Send IFP Back to Berlin
by indieWIRE
After a successful debut at the European Film Market last February, the
Independent Feature Project (IFP) announced yesterday that it will return
to the Berlin based market in 1998. Ten films will be selected for
promotion at a curated sidebar of the European Market which coincides with
the Berlin International Film Festival running February 11-22.
The sidebar, titled AIM: American Independents at the Market, will promote
the selected films to European buyers. In addition to the promotion, each
of the selected films receive a complimentary Market screening, and a
travel stipend for the filmmaker to attend the event in Berlin.
Last year's films included John O'Hagan's "Wonderland", now in release by Fox
Lorber, and Macky Alston's "Family Name" which is being distributed by Strand.
The ten films will be chosen by a jury comprised of representatives from
the IFP, the Association of Independent Video and Filmmakers, the Film
Society of Lincoln Center, and New York Foundation of the Arts. The
application deadline is November 28th.
[For more information and an application, hit the website @
Sign Up: Stay on top of the latest breaking film and TV news! Sign up for our Email Newsletters here.


text:
The Troika Editions Gift Voucher is the perfect way to share your love of art with your friends and family. Just click the button at the bottom of the page to order a gift voucher for the value of £39.95.
We will process your request and post the Gift Voucher to an address of your choice. The recipient can then redeem the amount against any of our prints available at the gallery, subject to availability of stock.
All they have to do is select a limited edition print and add it to their shopping basket, proceed to checkout and enter the unique code into the discount box, press "Update Basket" and the full amount of your gift will be deducted from the cost of their purchase.
Our gift vouchers can only be used once and cannot be used in conjunction with any other promotion or discount or gift voucher provided by Troika Editions.
To complete the transaction the recipient must open or use an existing Google account and enter their credit or debit card details even if the total amount due after using the gift voucher is zero. Please be assured that no money will leave their account if the final balance of their order is zero.
If the recipient spends more than the value of the gift voucher they will need to make up the remaining balance using their credit or debit card in Google Checkout when completing their order.
There is no time restriction on the use of the gift voucher but it can only be used to purchase limited edition prints from Troika Editions.
Share your love of art @ www.troikaeditions.co.uk : discover exciting new art photography
To buy a gift voucher click on the button below:


text:
308 1888 York Avenue, Vancouver MLS®: R2296666
LOCATION! LOCATION! LOCATION! Welcome to Kitsliano's popular CONCRETE building—Yorkville North, the amazing & enviable Kitsilano location on a traffic-calmed street. A must-see gorgeous and spacious 1 Bed + Den unit, boasting a 780 sq.ft open plan design with oversized windows, granite countertops, 9' ceilings, insuite storage & laundry, gas F/P, secured underground parking, and lots of recent improvements including kitchen cabinet, appliances, sink, etc. Proactive strata: roof(2016), repiped(2014), new boiler & parking membrane. Pet Friendly: 2 cats or 1 dog(50lbs max). Short walk to the beach, shopping, restaurants, services, the seawall, and everything Kits has to offer. Minutes to downtown. Stop searching! This truly is one not to be missed. Open House: Sat/Sun August 18/19 2-4pm.
Taxes (2017): $1,481.83
- Bike Room
- Elevator
- Garden
- In Suite Laundry
- ClthWsh
- Dryr
- Frdg
- Stve
- Disposal - Waste
- Fireplace Insert
- Garage Door Opener
- Intercom
- Microwave
- Smoke Alarm
Similar Listings
Listed By: Pacific Evergreen Realty Ltd.
Disclaimer: Listing data is based in whole or in part on data generated by the Real Estate Board of Greater Vancouver and Fraser Valley Real Estate Board which assumes no responsibility for its accuracy.


text:
Greece credit rating cut by S&P on 'likely default'
Ratings agency Standard & Poor's has cut Greece's credit rating, saying that eurozone plans to restructure the country's debts would constitute a "selective default".
Under the plans, Greece would be given longer to repay its debts and private investors would take a hit.
S&P said it had cut Greece's rating to CC from CCC.
Earlier this week, Moody's rating agency also downgraded Greece, while Fitch has indicated it may follow suit.
S&P said that having studied the eurozone proposals for resolving the Greek debt crisis, which were agreed last week, it had concluded that the debt restructuring "would amount to a selective default under our ratings methodology".
"We view the proposed restructuring as a 'distressed exchange' because, based on public statements by European policymakers, it is likely to result in losses for commercial creditors."
Undermine confidence
The aid package agreed last week by eurozone leaders included 109bn euros ($156bn; £96bn) in new loans to Greece, various options to extend the country's repayment terms and reduce the amount it repays on existing loans, and voluntary private sector participation, so that banks share taxpayers' burden.
S&P said: "In our opinion, the terms of both the exchange and rollover options appear unfavourable to investors."
Citing the Institute of International Finance - a trade body representing global banks and other major lenders - the agency said the deal would cost private sector creditors about 20% of the value of the Greek debts they held.
Eurozone leaders were keen to reach an agreement that did not result in the credit ratings agencies declaring a default, which they feared could undermine confidence in both the eurozone economy and its banks.
France and the European Central Bank in particular argued against private sector involvement, but Germany insisted upon it.


text:
French knots and french twists are two great styles for long hair. These are a very elegant style of that are perfect for special occasions like weddings & proms.
Often a go to choice for celebs and models on the red carpets & ramp, these look just as low effort as they are artistic.
Atlhough french knots can look intimidating, you can style these within 15-20 minutes
However, there are many styles & variations to this simple style. Yes, you've always thought that french hairdos lack options but it isn't so. With some creativity, you can try lot of different variations of this style. Below we have presented few of the common variations of the french knot hairstyle.
Half down french knot: A nice variation to both half up half down hairstyles & the classic french knot style.
Elaborate french twist updo
French knot of straight blonde hair
Wedding french knot hair: A good style for black hair as it makes a good contrast with the accessory clipped. A nice style for weddings & proms.
Cute french knot with a bow: Simply gorgeous!
Regular french knot: A great style which looks just as good for casual occasions as it does for parties and events
Tight woven french knot for light blonde hair
Short french knot bun
Variation of the regular french knot: A french knot designed by taking in the tresses from both sides in together
French knot top bun


text:
If your Valentine is like mine, he or she is probably going to need
a little support in finding you the right gift to make you smile on
the day of L-O-V-E. My sweetie isn't what I would call a great
gift-giver (luckily he makes up for it by being an amazing cook and
person!), so I've been dropping him some gigantic hints by forwarding
him e-mails of geeky fabulous gifts like this funny
fred cell phone receiver.
The retro red chic receiver,$20, connects to your cell phone, which means it's a handy "ear piece" and will add a little fun flare to your boring phone. It works with most phones but includes adapters, just in case! Want it? Just forward this post to your honey buns! Have a great Valentine's Day gift you want to share? read more


text:
|10 Feb 2011
Drag and Drop problem
I had given up trying to make this particular drag and drop work (drag an explorer file or desktop icon to an old XP app to create a shortcut link in that app) when, fiddling around I discovered the Adminstrators 'super user' account; tried the drag and drop and it worked fine.
the symptom of 'Not Working' is that when the item is dragged to the app, the 'no entry' sign appears. There was a combination of settings (which I cannot reproduce) which showed a small + when dragged to the application but the drop still did nothing - no short cut icon appeared.
So what do I have to change in my normal user account (member of administrators) to make this drag and drop work?
I have tried 'Run as administrator' but that made no difference. Ive read about dropping to 'Run as User' apps from 'Run as Admin' apps but thats not the problem (at least problem occurs when app is run as user or run as admin)
I have tried 'Turning off UAC' but that made no difference.
So what else do I need to change?
|My System Specs
|25 Feb 2011
So much for Windows 7 Enterprise and Windows 7 Ultimate being the same
The jet Toolbar application works fine under Windows 7 Ultimate but has the symptoms described under Enterprise.
Presumably the default settings on security or other complex 'feature' are different in the two versions
Thanks Bill.
|My System Specs
|Thread Tools
|Similar help and support threads
Drag and Drop Problem Windows 7
I have just been using my computer and all of a sudden i noticed that i can't drag and drop anymore. I am currently running Windows 7 Professional Service Pack 1. User Account Control is turned off and i have tried using another mouse and that's got the same problem. I am only dragging and...
|General Discussion
how do i drop and drag?
i have some files that are numbered they are out of order and i want to put them back in order it will not let me drag them
|General Discussion
Drag & Drop Problem
When I attempt to Drag & Drop a photo in any of my photo folders just to reposition it I get a small circle with a bar across it. I know what this means "it can't be done" but why?? Is there a setting somewhere that will allow it? It is very annoying because if I want to group a number of...
|Music, Pictures & Video
Seven : Drag&Drop problem on Classic Theme
Hi. When using Windows Seven with Windows Classic Theme, I don't have any icons outline during drag&drop on the desktop ? The only way for me to see that i'm drag&dropping is the mouse cursor that changes... Of course, no problem with Aero. Has anybody a suggestion to correct this ? ...
|General Discussion
Drag & Drop - Problem
I am having problem with saving the images wid dragging it on desktop in all previous versions we were able to drag the images from our browser and drop it on desktop but can't do it in 7 ? though i can do drag images directly from browsers in FOLDERS !! if it is still possible it would...
|General Discussion
|Our Sites
|Site Links
|About Us
|Find Us
Windows 7 Forums is an independent web site and has not been authorized, sponsored, or otherwise approved by Microsoft Corporation. "Windows 7" and related materials are trademarks of Microsoft Corp.
© Designer Media Ltd
All times are GMT -5. The time now is 01:54.


text:
(Click on image to enlarge)
M Y C O L L E C T I O N — Balsa wood, cast metal, wire and paper comprise the materials included in this odd, vintage car model kit. The instructions are typed on a large piece of paper, with diagrams showing exactly how every piece fits, BUT, the majority of the body is plain, thin balsa wood. It's the same thickness and weight as those childhood model airplanes propelled by elastic bands. I have no idea how the person making the kit could form the delicate curves seen on the photograph on the box, lol. There are some small pieces of dowels that must need to be whittled as well. This was NOT a snap-to-fit model!
Kit is dated September 1949, and was produced by the Fador Mfg Corp, of Elmira, New York. Other "Smallster" models listed inside as available were the 1909 EMF Single Rear Seater, 1909 EMF Touring, 1909 EMF Roadster, and a 1905 4-passenger Reo Runabout.
From the Introduction on the instructions sheet:
The 1909 Hupmobile
In the year 1909 everybody from coast to coast was saying the same thing about the "Hup," "The smartest and best little car marketed in America at anything like the money, $750.00" This little car was four cylinder, twenty horsepower, sliding gears, and had a Bosch magneto. This sturdy little auto had a wheelbase of 86" and weighed 1100 pounds with all standard equipment.
NOTE—I was prompted to post this vintage scale model today because of an article I read this morning at Hemmings.com about the 1909 Hupmobile. Click here for that blogpost.


text:
Science, Research, 150 Clinical Studies, Ancient Secrets from the Amazon Rain Forest, and natives of Peru converge to provide this Exclusive Proprietary Synergistic blend of Nine Patented, Patent Pending and Proven Ingredients.
PhytoZon® is a category creator: there is no other product like it.
In a published, peer-reviewed clinical study, 90% of the subjects taking just one of our patented ingredients had significant improvement in both joint mobility and flexibility, as compared to placebo.
In a study with Case Western Reserve University using human cartilage explants, another of our extracts was shown to increase the cells production of IGF-1, a natural growth factor responsible for rebuilding and repairing cartilage.
In a subsequent, product specific, peer-reviewed, published positive-controlled clinical trial, 93% of participants taking 2 of our ingredients experienced significant improvement in overall joint health, as measured by their physicians, and many within seven days.
One of our patented ingredients is the only natural supplement for joint health and mobility with research supported in part from two US National Institutes of Health: The National Institute of Arthritis and Musculoskeletal Disease and The National Institute of Aging.
PhytoZon® has been developed to help: Increase Energy, help increase resistance to fatigue, stress, tension, promote libido, sexual drive & function, give mental clarity, facilitate weight loss, assist in pain management, stimulate the immune system, retard the aging process and is an Adaptogen. Adaptogens are natural compounds that possess miraculous cell regeneration and nutritional benefits. An Adaptogen can stimulate key beneficial effects in the human body on a broad range of metabolic and immunologic functions. They have the ability to enter a cell and essentially take over a function that is lacking or in some way abnormal. The most noteworthy qualities of such Adaptogens are their ability to enter and create healing environments in a nonselective variety of cell types. Once committed to a cell type, the Adaptogen will evolve its properties to mimic that cell and it will then take on the job of repair within damaged areas. Results are consistent with an increased resistance to physical or biological stressors. Adaptogens have been clinically proven to possess a normalizing influence on the body without disturbing normal body functions. The results of this science are not only proven by scientific research, but verified through consumer feedback.
PyhtoZonTM has created a category of its own. Containing Nine Patented, Patent Pending And Exclusive Proprietary Ingredients and Extracts from the Rainforest and Peru.
"Click Here" for PhytoZon Product Label, Ingredients and Science.
PhytoZon® is manufactured and distributed exclusively by American Dream Nutrition, LLC., all rights are reserved.


text:
'We are proud and eager to continue our journey as a PSO and remain committed to working closely with the healthcare community on advancing the quality of our nation's healthcare delivery.'
Chicago, IL (PRWEB) August 28, 2014
Clarity PSO, an operating division of Clarity Group, Inc., has been re-certified as a federal Patient Safety Organization (PSO) for another three-year period under the authority of the Agency for Healthcare Research and Quality (AHRQ). Clarity PSO will continue to provide valuable and industry-leading patient safety expertise and services following the true intentions of the Patient Safety and Quality Improvement Act (PSQIA) of 2005.
"We are proud and eager to continue our journey as a PSO and remain committed to working closely with the healthcare community on advancing the quality of our nation's healthcare delivery. The benefits of the PSQIA are significant, and it is our mission to offer the industry's leading capabilities through this important vehicle," states Tom Piotrowski, Executive Director of Clarity PSO. "Since becoming one of the first PSOs six years ago, we have provided PSO services for providers across nearly every sector of healthcare. Our expertise and knowledge of how the PSQIA is intended to work and the protections and benefits it affords enable us to provide a level of consultation, service and quality of reporting to our clients that is second to none."
Clarity PSO has been a trailblazer in the industry with patient safety activities that have yielded strong and positive results including hospital common format reporting, an ambulatory safety initiative and a variety of patient safety collaboratives. Most recently, Clarity PSO worked with the American Society for Radiation Oncology and the American Association of Physicists in Medicine in the development of RO-ILS: Radiation Oncology Incident Learning System™, a new, national patient safety initiative to facilitate safer and higher quality care in radiation oncology.
As a national PSO accessible to all healthcare providers – regardless of size or discipline – our work is grounded in a commitment and passion to improve patient care across all health systems. Our clients gain access to insightful consulting, various analytical and benchmarking opportunities, case study review, a wide range of clinical educational topics, and resources for identification and implementation of evidence-based practices. We also work with a highly qualified Healthcare Advisory Council to provide service excellence in line with our company's more than 40 years of experience in the areas of modifying systems to enhance healthcare quality.
Clarity PSO looks forward to bringing more healthcare professionals together and advancing patient safety across the continuum of care. To learn more about our contributions to the PSO program, read our Five-Year Report to Healthcare Providers.
About Clarity PSO
Clarity PSO is a federally listed Patient Safety Organization with the Agency for Healthcare Research and Quality, and stands as an independent division of Clarity Group, Inc. Clarity PSO offers healthcare providers a full range of solutions for increasing patient safety, including analytical benchmarking, risk-quality-safety resources, and systems development. Clarity's team of PSO consultants is dedicated to helping healthcare providers of all kinds mitigate risk while improving the quality of care. For more information on Clarity PSO, please visit http://www.claritypso.com.
About Clarity Group, Inc.
Clarity helps healthcare organizations understand and manage their risk and related costs through innovative and practical tools and services that focus on quality and safety outcomes. Core Clarity products and services include captive insurance company development and operations; risk-quality-safety consulting and educational services; and software that facilitates the reporting, tracking and management of safety and quality events. For more information on Clarity Group, Inc., please visit http://www.claritygrp.com.


text:
Actress Elizabeth Olsen has reportedly split from her fiance Boyd Holbrook.
The Martha Marcy May Marlene star is single again after three years with her actor boyfriend Holbrook, according to Us Weekly.
News of the split comes after Olsen, 25, was photographed in Los Angeles without her engagement ring.
Olsen and Holbrook began dating after meeting on the set of their 2012 film Very Good Girls, and the pair became engaged last March (14).
Olsen previously told Marie Claire U.K. about her wedding plans, "I'm relaxed about it, but I am excited and planning ideas because it's fun - it's just like throwing a party to celebrate life. I love being in a relationship a lot."


text: Frozen yogurt is such a refreshing treat, it makes this the perfect snack or dessert for a warm spring or summer's day. Don't worry if you haven't got time to freeze it though – just make the flapjacks and serve with yogurt or cream from the fridge. Bring 100ml of cold water and sugar to the boil in a pan, constantly stirring until dissolved to form a clear syrup. Pour into a bowl and leave to cool. Be very careful with children around as hot sugar can cause serious burns. Mix together the honey, yogurt and crème fraîche in a bowl. Whisk in the syrup and pass through a sieve into a plastic bowl or Tupperware. Place in the freezer. Get the kids to stir the yogurt thoroughly with a large metal spoon every half an hour until frozen (approximately 3 hours). Preheat the oven to gas 3, 170°C, fan 150°C. Line a baking tray with nonstick baking paper. Moving on to the flapjacks, melt the butter, honey and sugar together in a medium pan. Add the oats, orange and salt to the pan. Pour the mixture into the baking tray and use a spatula to press flat into the edges. Place in the preheated oven and bake for 20 minutes. Remove from the oven and allow to cool. Turn out and cut into squares on a chopping board – the kids should be able to do this with a blunt knife. Add a chunk of flapjack to each bowl and top with a dollop of the frozen yogurt. Serve immediately. See more Baking with kids recipes


text:
MANATEE -- Dante Valenzuela, a culinary arts student at Manatee Technical Institute, was awarded an all-expenses-paid trip to Vietnam to accompany the French Association of Chefs to Hanoi in 2014.
Valenzuela was chosen when the distinguished chefs spent two days working with MTI students to prepare for their annual food and wine festival Oct. 8-9 at the Crosley Mansion.
The French Association of Chefs, also known as Village de Chefs, work around the world. The chefs travel to different cities, bringing techniques and knowledge to prepare dishes for student and community events. Jose Martinez, co-founder of Village de Chefs, now works on Longboat Key as chef and owner of Maison Blanche.
Valenzuela, a top student at the Manatee Technical Institute, said he did not know the trip was going to be awarded when the chefs were visiting.
Gary Colpitts, MTI culinary instructor, said the prize came down between three students with the winner determined via raffle. Valenzuela's name was drawn from a wine glass.
"At first, I didn't know what I had won. I thought it might be a chef's jacket, and I
would have been very happy about that," Valenzuela said. "It took a while for it to sink in that the chefs were giving me a trip to Vietnam."
Valenzuela is the only student going on the trip to Vietnam with Village de Chefs next year. He will shadow the chefs for a learning experience as they present courses on how to prepare and present a variety of dishes. One of the missions of Village de Chefs is to educate students and communities about the culinary arts.
Colpitts said this year is the first time Village de Chefs decided to meet outside Paris.
"We were lucky enough to get that opportunity," Colpitts said. "Dante is very humble and well-deserving. There were others who were just as deserving. It was just the luck of the draw. All of the students have a passion, love and curiosity for food and cooking."
The other two student finalists for the trip include Valenzuela's younger brother, Louis, and Marlene Romo, a dual-enrollment student who attends Braden River High School.
Dante Valenzuela, 36, said his dream is to open a business with his brother.
"More than anything, I want to try to build a business in Sarasota with my brother," Valenzuela said. "We have worked at the Ritz-Carlton for 11 years as servers."
The pair enrolled in MTI to "learn more about cooking and restaurant management," he said.
Valenzuela will leave for Vietnam next September. He does not know how long the trip will be, although he said the chefs were in Bradenton and Sarasota this year for three or four days.
Valenzuela said if everything goes according to plan, he will be finished with school by the time he jets off to Vietnam.
"This is one of the most fulfilling learning experiences that I will have," Valenzuela said Friday. "It will be such a great experience to learn from the culture. I will be observing and helping like we did for the event at MTI."
This will be Valenzuela's first time to Vietnam, but not his first time traveling abroad. Valenzuela said he has visited Japan, and he and his brother grew up in Peru.
They have lived in Sarasota for 13 years.
Valenzuela said he is impressed with the MTI campus as well as the Village de Chefs event.
"Everything went perfect," Valenzuela said.
Erica Earl, education reporter, can be reached at 941-745-7081.


text:
Skip to Content
Home > Patients & Visitors > Dining, Vending & Meal Service
Enjoy the convenience of on-campus food service options at Cone Health.
Review your in-room menu to learn about meal times and choices at your location. Count on our culinary team to offer nutritious, tasty options that meet your dietary needs. If you have special dietary restrictions, ask your nurse to contact the registered dietitian at your hospital.
As a visitor, you may select from a variety of hot foods, deli and grill items, salad bar options, and desserts at your hospital's cafeteria. Eat in the café or take your food to-go. Get more information about the hours and options at your hospital:
Find sandwiches, salads and beverages at SUBWAY® restaurants just off the main lobbies at Moses Cone Hospital and Wesley Long Hospital.
Jazzman's is located in the lobby at the main North Tower entrance of Moses Cone Hospital. They are open Monday - Friday from 6 a.m. to 3:30 p.m. serving coffee, baked goods and more.
Purchase coffee, muffins and pastries at Java City, a coffee shop in the Medical Mall at Alamance Regional.
Get a quick snack or beverage from vending machines conveniently located throughout Cone Health hospitals. Ask a staff member to direct you to the closest vending machine area.
Share questions, concerns or observations related to your experience with Cone Health. Contact us online or call the Office of Patient Experience at 336-832-7090.
Contact Us
Share your experience or ask a question
World Class
Awards & Achievements
Follow Us Online
See important information from Cone Health on Non-discrimination and Interpreter Services.
©2018 Cone Health ~ Greensboro, NC


text:
Pretty woodland views and green space towards the back of your lot means you won't have any neighbors there. Privacy Secure! .55 Acre lot that's just waiting for a home to be built. Adjoining Lot 545 available. Buy both for $12,500!
Features Lots and Acreage
|Total Acres: 0.55
|Zoning: R1
|Present Zoning: Single family
|Lot Size: .55 Acre
|Lot Description: Rural - in subdivision
|Taxes: $153
|Elementary School: Wonewoc
|Middle School: Wonewoc
|High School: Wonewoc
|School District: Wonewoc-Union Center
|Body of Water: Dutch Hollow Lake
Estimate your monthly mortgage payment
How much can I borrow?
Speak with a mortgage consultant: 608-276-5210


text:
Looks like AT&T won't be the only carrier kicking off Samsung Galaxy S 4 pre-sales on April 16. U.S. Cellular today announced that it will begin accepting online pre-orders for Samsung's new flagship smartphone on Tuesday, April 16. The carrier doesn't say which versions of the Galaxy S 4 that it plans to offer, but the image on its registration page does show both the white and black versions of the device. The Galaxy S 4 will include support for U.S. Cellular's 4G LTE network.
When U.S. Cellular launched the Galaxy S III last year, it offered the 16GB version in both Pebble Blue and Marble White, but any customers interested in the more capacious 32GB model had to go with a Marble White unit. Because of this, it'll be interesting to see which Galaxy S 4 models U.S. Cellular adds to its lineup. It's also worth noting that unlike AT&T, U.S. Cellular has made no mention of how much it intends to charge for the Galaxy S 4. The good news is that with pre-orders kicking off in a couple of weeks, more information on U.S. Cellular's pricing plans will be coming out soon. Stay tuned.
Via U.S. Cellular on Facebook, U.S. Cellular Galaxy S 4 registration page


text:
With housing prices on the rise and desperate homebuyers looking at alternatives to regular mortgages, risky home loans have become more popular.
Kim Wight, Personal Mortgage Advisor at Smartline, explains why you should steer clear of these loans.
Since the start of 2013, the median price of the average Sydney property has increased to over $600,000 making it increasingly difficult to afford a new home. Many Australians are now considering 'risky' home loans — but don't sign on that dotted line until you've taken a second look at the features of these loans.
In addition to risky home loans, there are also risky property types that can make lenders nervous.
Kim Wight
- Hurstville Council Business Excellence Award Winner 2011 and 2012
- St.George Business Awards Finalist 2010, 2011 and 2012
- Smartline NSW/ACT Client Service Award Finalist 2011 and 2012
- Winner of the Spirit of Smartline Award 2009
Kim Wight from Smartline Personal Mortgage Advisor Shares home loan considerations
Click here for video transcript:
When people are looking for a home loan and they need to take on a guarantor — which is mainly because they do not have enough savings to cover mortgage insurance and stamp duty — the risk really isn't to the borrower. The risk is all placed on the guarantor. And I think a lot of young people think, "Oh, mum and dad will just put the house up for me," which might seem like a really good idea to you, but isn't the best thing for the parents. So there's a definite risk involved, and I think a lot of people don't think about it completely before they enter into these agreements.
With equity loans, it's very open-ended. So there's no set repayment schedule. What people can do, it might seem really attractive to have this equity loan where your limit might be $500,000, but you've got no set repayments. So you can have that loan and still in 30 years time, owe $500,000, because you've never paid down any of the interest. Equity loans are great for investors or people that are really controlled with their finances. But for the majority of people, though, they'll get an equity loan today and in six years time they'll say, "Kim, why do I still owe the same amount of money?" And it's because they've never kept making those regular repayments. Or if they do, they just keep drawing up to their equity limit. So a line of credit or an equity loan is really only for the very controlled borrower.
If the idea is to buy it, and then it might be your long-term property or you would be selling that to buy a family home, the best loan is a term loan with a beginning and an end date. And I advise them to pay as much as they can as often as they can. I believe a variable rate is the best for them, because fixing a rate really locks them in, and they don't know what their plans are longer term. So [use a] term home loan with set repayments, but pay as much as you can as often as you can.
Guarantor home loans
In today's property market it can be difficult to come up with a deposit for a new home. Many lenders will allow a related third-party to provide additional security to help a family member own their own home, commonly known as a guarantor.
'Often when people cannot borrow the amount of money they want to purchase the property, they throw out the line "so and so will go guarantor" — well this just does not work anymore' says Ms Wight. 'Before lenders will consider a guarantor on a loan they have to be convinced that there is a commercial benefit to the guarantor to enter into the agreement. If there cannot be a financial benefit to the guarantor they will only be considered as a co-borrower on the loan.'
A guarantor is linked to the loan by a guarantee and can be released without the loan having to be repaid in full. It allows the equity in his or her own property to be used as an additional security for the borrower's home loan, which means that the lender can also take over the guarantor's property if necessary.
'An example of this would be a homebuyer whose income does not service the debt. They want to have a member of their family as guarantor. In this transaction there is no benefit to the family member as they would be taking the risk in having to make payments on the loan, but not have the benefit of owning the property' explains Ms. Wight. 'The only way the lender will consider this is if the family member was a co-borrower on the loan and have a percentage holding in the property.'
If the bank is unsure that you will be able to meet the minimum repayments for a home they may ask for a guarantee from somebody else. In some cases, it may be the parents. 'The other guarantee used is commonly known as a Family Guarantee' explains Ms Wight. 'This means that the bank will lend the borrower 80% of the value of the property being purchased while the borrower's parents offer their property as extra security to cover the remaining 20% plus costs of stamp duty and legal fees if required.'
It can be tricky using a guarantor since quite often their home is used for security. In the past, 100% of the home was liable in the case of defaulted payments, but now lending institutions can go as low as 20% of the home being liable. The loan still poses a considerable risk, however, since both homes can be sold by the bank if there is a major problem.
Guarantor rights
Any guarantor has certain rights. Statements can be received for loan payments and they should be monitored. Before making the decision to guarantee a home loan, the guarantor should find out what would happen if the borrower could no longer make repayments and if there are chances that the home could be repossessed.
The guarantor also needs to acknowledge hidden costs such as a home valuation and whether it is possible to be released from this guarantee. Some institutions will allow a release once enough equity has been built up in the home. Sometimes this release will incur a fee so it is important to find out how much that will be.
About lenders mortgage insurance
Mortgages with a Loan-to-Value Ratio (LVR) of more than 100%
Similar to home loans with no deposits, these risky home loans were offered by some financial institutions, although they are almost impossible to find after the global financial crisis. Lenders made it available so that homebuyers didn't have to worry about all of the extra charges, such as legal fees, that go along with a house purchase. However, this loan may take a longer period to repay as it doesn't even take into account price changes in the housing market. If your home loses value, it will take even longer pay down the loan balance to reach the 100% LVR and 80% LVR mark unless you can make extra payments. If the house rises in value, you will reach these values sooner. Before getting this type of home loan you'll have to look at the potential cost of Lenders' Mortgage Insurance (LMI). These types of loans can be very costly and unless you can make extra payments from time to time, you will end up paying extra in interest. It is always best to get as much of a down payment as you can for a house payment before applying for a mortgage. If you can save more than 20% then you'll eliminate the cost of LMI altogether.
As mentioned above, LMI only insures the lender, not you, in the case something happens and you cannot pay off the loan. If the lender had to sell the home for less than the value of the mortgage, the lender would be covered. Even though the lender is protected and gets compensated for the loss, you are still responsible for the debt. The cost of mortgage insurance can be high enough that you may want to consider looking twice before taking on high risk home loans that require it. Have a look below to see the difference between having a deposit of 15% vs a deposit of 5%.
Lenders' Mortgage Insurance
|Property value: $250,000
|Loan-to-Value Ratio
|Lender's Mortgage Insurance
|$1500 to $2000
|$6000 to $7000
|Property value: $400,000
|Loan-to-Value Ratio
|Lenders' Mortgage Insurance
|$3000 to $4000
|$13,000 to $14,000
Read the box below to find out how the a home loan with an LVR of over 100% usually works in terms of paying it off and reducing the amount you owe.
For example
You could previously get a loan for $250,000 for a home that has a value of $236,000, meaning the loan had an LVR of 106%. If you took out a mortgage for 30 years at a rate of 8% and made all the repayments that are minimally required, you would not be down to an LVR of 100% for 5 1/2 years. To get down to an LVR of 80% of the home's value would take you 15 1/2 years.
Long-term mortgage
The new 40 year mortgage may seem appealing at first because it offers lower monthly payments, but don't be fooled by it. It's not cost effective and you may end up paying thousands more in the long run.
If you take out a long-term mortgage simply to save money on a monthly basis on a 30 year mortgage, you will end up paying thousands of dollars more in interest. If the rate of interest goes up, you will be left in a serious situation and may end up losing the house anyway.
40 year mortgages
Here are two examples of getting a mortgage with different year terms.
|Loan term
|Interest rate
|Interest paid
These differences are very substantial and not always recognised unless the numbers are first crunched. While it can seem very positive to pay less money every month for a mortgage on a longer yearly term, you will end up paying the price in the end.
Mortgage specialists will tell you that you should always leave a 2% buffer for the interest rate whenever you are considering a home. Different banks and financial institutions are making 40 year mortgages available to their customers. The positive note to this type of mortgage is some institutions will allow you to pay extra on your monthly payments without having to incur any penalties. This means that if your financial situation doesn't improve, you have the option to get it paid back in as little as 30 or 15 years.
Considering interest charges, you may want to consider taking the shortest mortgage term you possibly can. As you can see from the case studies there is a big difference in the interest charges you will have to pay. Also, consider that any rise in interest rates can lead to problems in the future.
Equity Finance Mortgage
A shared equity home loan is available in every state except Tasmania and the Northern Territory. It is offered in some metropolitan areas and capital cities. It allows you to get a loan for 10%, 15% or 20% of the property value under a shared appreciation mortgage, which provides the deposit aspect of your purchase. When you sell the house in 25 years the initial amount of the EFM loan needs to be paid back plus a percentage of the increase in value in the property since it was purchased. If you take a loss on the sale of the home, a percentage amount is usually is covered by the lender. This amount will then be deducted from how much you have to pay back. You may or may not be able to combine this type of loan with a home loan from another bank. Another downfall to this type of mortgage is that the capital loss is not shared by the lender if the house is sold for a lesser amount than it was originally purchased for and if you have gone into default on the loan.
EFM home loan example
|Property value
|Amount you need to pay back
|Amount paid back in interest charges
If a normal home loan had been taken at the same time as the above example, the interest rate would have only been 9.5%. Regular payments would have been made with a regular loan instead of paying a lump sum.
If instead you had been able to repay the $20,000 within a couple of years, after the jump of prices in housing during 1988 and 1989, you would have owed the bank $49,137. This calculates to an interest rate of 45.8%. It can be very difficult to estimate whether property values will be going up or not, which could make this home loan rather risky.
When borrowing money to purchase or refinance a home, you should always proceed with caution. The type of mortgage you choose can make the difference between owning your property outright, or finding yourself in a stressful financial situation. There are many different home loans available from a wide range of lenders, but if your financial situation necessitates risky loan, you may want to review all the conditions and terms of the contract with an advisor beforehand.


text:
Get 15% OFF Your Next Order
The best deals come to your inbox. Sign up for Ben Meadows emails to get exclusive offers, the scoop on new products and information you can actually use.
Use these heavy-duty Portable Toilet Replacement Bags with your Portable Toilet No. 55281. Replacement Bags have a PVC header to help prevent tearing. Pkg. of 12.
© 2018 Ariens Specialty Brands LLC
CAGE Code: 3ZEL7 | DUNS: 18-854-1176
Reference Number: WB0000