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Affirming Fair Housing for All
CCH remains committed to the Fair Housing Act, enacted as an expansion of the Civil Rights Act of 1968 and meant to ensure all citizens, regardless of race, creed, national original, religion, sexual preference or disability, have an equal opportunity to fair housing. Those in the housing industry who receive federal funding are required to abide by all the rules and regulations of the Federal Fair Housing Act that specifically prohibit acts of racial discrimination of any kind.
Over the past several months, much national attention has been focused on promoting equality for all persons before the law. "As an organization, it is important for us to treat everyone fairly and with respect," shares CCH Director of Property Management Lilia Gomez. "This is not only the law of the land but makes good business sense and is the premise on which we run our organization."
In a recent development, the U.S. Department of Housing and Urban Development (HUD) on July 23 issued a new Preserving Community and Neighborhood Choice final rule. The new rule terminates the 2015 Affirmatively Furthering Housing final rule and the 1994 Analysis of Impediments which were intended to combat racial segregation in suburban housing. The new rule represents a return to HUD's previous understanding of the 1968 fair housing act and would take effect 30 days after it's published in the Federal Register.
The termination of the AFFH Rule potentially impacts HUD program participants and federal programmatic requirements across the country. In California, however, Assembly Bill 686 (AB 686) provides requirements for all state and local agencies in California to administer their housing and community development programs in a way that affirmatively furthers fair housing. The state law remains intact, regardless of the federal action, and prohibits entities from taking actions inconsistent with this obligation.
As a progressive organization, CCH remains committed to fair housing for all, regardless of proposed changes. "We are a diverse organization serving a diverse clientele," says CCH President and CEO Syd Najeeb. "We are committed to treating everyone equality, fairly and with respect. These are key components on which we train our staff and what makes our organization great."


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By Tara Lachapelle, Bloomberg Opinion Saturday, 04 November 2017 04:59 PM EDT Current | Bio | Archive
Just when the biggest U.S. conglomerates find themselves having to defend their sprawling structures or be forced to dismantle them -- think General Electric Co., Honeywell International Inc., Procter & Gamble Co. and so on -- Warren Buffett can sit back, grin and take another swig of Cherry Coke. The Berkshire Hathaway Inc. engine is chugging along, just as he said it would.
Berkshire's insurance claims following hurricanes Harvey, Irma and Maria resulted in another underwriting loss, which as Bloomberg's Noah Buhayar has pointed out, means 2017 will likely be the first time since 2002 that the business doesn't post an annual underwriting profit. This isn't surprising, but when any one of Buffett's winning streaks ends it's likely to draw gasps. However, that's where the other divisions come into play.
It wasn't all that long ago that Berkshire's railroad business -- BNSF, which it acquired in 2010 -- was dragging down profit as lessening demand for coal muted shipping needs. In this latest quarter, though, BNSF earned $1.7 billion before income taxes, the most since 2015. Meanwhile, the manufacturing operations -- which expanded with Berkshire's $37 billion takeover of Precision Castparts that closed early last year -- just cranked out its own record profit.
Berkshire won't always fire on all cylinders. But when one division slumps, the others are there to make up for it. It's why the stock continues to hit new records, even as Buffett struggles to do what he has typically done best: make major acquisitions. It's also why, when the insurance business posts a $1.95 billion after-tax underwriting loss, he can continue to skip out on the U.S. convention of hosting quarterly earnings calls to take analysts' questions. (As I've written, the 87-year-old's successor shouldn't expect that same luxury.)
Back to acquisitions for a moment. I was disappointed to see that Berkshire didn't disclose the price of last month's investment in Pilot Flying J, a chain of truck stops that ranks among America's largest private businesses. It's an interesting purchase and so very Buffett. Still, following his energy division's failed deal for Oncor and Kraft Heinz Co.'s failed run at Unilever (a transaction Berkshire would have helped bankroll), Buffett needs to find another big, exciting acquisition that will put that steaming pile of cash to good use. It reached $109 billion as of Sept. 30.
As is the case lately, the story isn't how's Berkshire doing. It's fine, as always. But what's Buffett going to do with all that cash? Long-time Berkshire bulls and Buffett fans may say there's no rush. I doubt they'll act as nonchalant with Buffett's eventual replacement.
This column does not necessarily reflect the opinion of Bloomberg LP and its owners.
Tara Lachapelle is a Bloomberg Gadfly columnist covering deals. She previously wrote an M&A column for Bloomberg News.
© Copyright 2024 Bloomberg L.P. All Rights Reserved.
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subset: commoncrawl


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Celebrate a day in the snow with Oliver who is filled with excitement for another ski season at Mount Snow. His parents have brought him here since he was a baby and now his little brother has a pass too. He has a zest for adventure and loves to play outdoors, especially skiing and the occasional snowball fight. Snowflakes are a symbol throughout the book that no two of us are alike and to embrace your individuality and unique qualities. Oliver's family has a house in Dover, home to Mount Snow. He enjoys going to ski school where his instructors are so helpful, teaching him how to put on all of his gear, his red hair always sticking out of his helmet. Oliver showed no fear skiing the black diamond, is that the easiest trail? He's learning all of his letters and this book is aimed to inspire learning for children beginning to read, count, and spell. The children book pages are filled with soft-colored art that show his family and others enjoying the mountain in Vermont. Kids of all ages will enjoy spelling out the words and discover the little activities that are inside the pages of this educational experience. His family loves exploring the mountain together, they look forward to hiking this summer, readers should watch for the next edition, coming in the spring… When you look through the pages, try to find your favorite snowflake. What did you learn about Mount Snow?
2018-2019 Ski season has turned into a love for snowboarding this season for the boys.
Christen Pratt has a B.S. in Art Education from Central Connecticut State University, and is an elementary art teacher at a magnet school in central Connecticut. Christen is an active artist, a mother of one vibrant little girl, and Oliver's art teacher! She and her daughter share a love of the outdoors, including playing in the snow and traveling to Vermont. Christen looks forward to teaching her daughter to ski! With a background in culinary arts, as well as fine arts, Christen thrives in many creative facets, and is passionate about teaching, spreading creativity, and family. You can email her at: prattdesigns.artist.gmail.com or check out her Instagram prattdesigns.artist.
Portion of proceeds to be donated to Stepping Stones for Stella, a nonprofit organization founded by Oliver's cousin, whose mission is to provide Buggies to children with disabilities to ensure they and their families experience the joy and freedom of the great outdoors. These sturdy, light-weight, all-terrain Buggies allow easy access to all types of outdoor environments such as sand, grass and even snow.
We will be a bit taller and faster but look for us on the slopes and say "Hi!"
Oliver and Finnigan are on the mountain learing to snowboard this season and mom is writing at the fireplace in the beautiful Mount Snow lodge where she will be finishing her next book, NORA LOVES CHRISTMAS.
Snowball fights and skiing are so much fun, we hope you enjoy our book!
My boys love being outside in the snow, they are full of adventure and intrigued by all Vermont has to offer! Sports and family go together, and our books will reflect their journey.
Please be patient, we are busy and mom is writing our next book.
Oliver is 6 years old, in 1st grade in CT and loves to learn, he is interested in writing his own book one day. This is his 3rd season at Mount Snow. Last season in Snow Camp he made amazing progress, he was on Black Diamond trails, thanks to the skilled ski instructors. He is now loving to snowboard!
Finnigan is 4 years old, he is in Pre-K4 and loves art and is beginning to write his name. He learns so much from his brother who is his role model and best friend. He had his first skis last season and in Cub Camp this winter.
The boys love to run, golf, swim, ski, play tennis and soccer and most of all they love to have fun! They always have a smile and they put smiles on everyone around them.
They were rated #3 Best in the East 2018 by Ski Magazine. They have very experienced staff, well groomed trails and new high tech snowmaking capacity!
Dede Cummings and her staff have been a joy to work with. When I first met her she was incredibly helpful and guided me to create my first book and I would highly recommend her.
Yes, their favorite color is ORANGE!
Distributed by Midpoint Trade Books, NYC.
Pics by www.jjoyphotos.com
Cub camp and Snow camp rule but they also have so many activities and events for everyone.
RidingThe MOOver to Mount Snow is so much fun!
Yummy treat after a day of skiing!
Check out this great video of Finnigan in his first skiing competition.
Check out this great video of Oliver learning to snowboard.
Copyright © 2017 The Puzzo Boys Books - All Rights Reserved. Puzzo Boys, LLC.
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There are so many beauty products on the market that promise so many things. Often times, those things sound too far-fetched and too good to be true. I have tried a lot of products and though many DO work and are effective, some just don't measure up to their promises.
Products received. Opinions are my own.
When I do find good beauty and anti-aging products, I feel the need to share with everyone. I get really excited and have to tell as many people as I can. I am sure you are the same way, right?
Don't Just Hide The Signs Of Aging, Erase Them!
The anti-aging products I am talking about today are from Swissvita and they are great products that deliver just what they say they will. Don't Just Hide The Signs Of Aging, Erase Them!
Swissvita's story began 10 years ago in 2007 between two skincare labs who successfully combined the essence of European beauty with technological innovations of Asia. The concept was to create a skincare range that didn't just hide the signs of aging but reversed it and so, every Swissvita product is created to help you bring out your natural radiance and beauty. What's more, they have seen visible results from people who've used their products in reducing the appearance of dark spots, wrinkles, and fine lines. I was excited to try these products out for myself and see what they could do for my aging skin.
I was sent three of their best products which are; Dark Spot Corrector, Skin Serum and the Eye Serum. I have been using these products at night, for about a month now. These products work and my skin has never felt so soft and SOFT (did I already say SOFT???).
I have seen darker spots on my face, lighten, the lines around my eyes have softened and are barely visible anymore (seriously) and my face is just so soft. I feel like my age is just a number now and my skin is telling another younger story! Love this!
You can purchase these awesome anti-aging products from Swissvita, online at https://swissvita.us/.
One person is going to win the Swissvita Facial Cleanser and Dark Spot Corrector! Yay!
The contest is open to US 18+. Giveaway will end on November 21, 2017, at 11:59 PM MT. Winner will have 48 hours to confirm their win after I email them, or a new winner will be chosen. I am not responsible for lost or stolen mail.


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The Mies van der Rohe-designed coops in Lafayette Park are Detroit's hottest bit of real estate right now, and this unit is far from an exception. The unit at 1332 Joliet Place is new to the market, but it won't be there long enough to get comfortable: We're told she has nine showings today. Nine! In case that wasn't enough, it's a corner unit. There's a good chance it's already inundated with offers. That doesn't mean we can't snoop, right?
We all know the stats sheet for these units by now: Three bedrooms, 1.5 bathrooms, and 1,400 square feet. This one doesn't look to have seen much renovation, and is that carpet ever in need of a cleaning. In short, it's perfect.
Ask: $119,000.
· Listing: 1332 Joliet [O'Connor]


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New OSHA app aims to help outdoor workers beat the heat
It's hot out — and while the extreme heat can be a hassle for those with office jobs, it can be a real health risk for those who work outside.
The Occupational Safety and Health Administration (OSHA) is leading a summertime effort to help keep workers informed of those risks.
Judy Posusney, an assistant director at OSHA's Philadelphia office, says the main thing is this: "Water, rest and shade. If people can remember those three things, they are key."
Helpful app
A centerpiece of OSHA's campaign is a new smartphone app that can calculate the current heat index based on weather readings for where you're standing (screengrab). The app lists diagrams and guidelines depending on just how hot it is.
Tuesday's highest heat index of a dry 96 degrees put the risk level at a mere "moderate," but construction workers in Camden, N.J., didn't need an app to tell them what precautions to take.
"No, not at all. I can feel it outside," said Jean Black, with the Napp-Grecco Company of Newark, N.J. "You can feel the temperature, obviously, and you know what you basically need to do."
Black and a crew of fellow workers were checking on a pipeline near the port of Camden under the midday sun.
"We're drinking a lot of water. We're making sure that we stay hydrated," Black said, water bottle in hand. "When it's a hot day, you never know if you're actually gonna go down. So if you don't keep that water in your system, it's a little bit of a problem."
The job also had a commercial dive team on site. Steve Gardner of The Castle Group was packing up the wetsuits.
"It's nice being in the water," Gardner said. "It's better than being on land."
He too said water (the drinking kind) is key.
As for the new app, Gardner says he'll be fine without it.
"We got the local weather, we got, you know, just being a human," he said. "If it's hot out, you know it's hot."
Back at OSHA, Posusney said it's all about finding new ways to help people working in the brutal heat. The goal is to inform, so workers can avoid the serious dangers of heat stress.
Aside from the app and a website, there's also a hotline, 800-321-OSHA, for worker concerns.
WHYY is your source for fact-based, in-depth journalism and information. As a nonprofit organization, we rely on financial support from readers like you. Please give today.


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You're lost amid dangerous, unseen predators after your plane crashes in the Amazon jungle. By parachuting out of the plane, you landed safely, but yore all alone with little food and water. Do you, Take off in search of rescue? Build a camp and try to signal rescuers? Head toward where you believe the downed plane and your pilot may have landed? Experience the life or death dilemmas of being lost in the jungle. YOU CHOOSE what you'll do next. The choices you make will either lead you to safety or to doom.
Download →
"These books are going to be popular with your young readers, especially the boys. The books describe a variety of choices to a disaster. If the reader makes the wrong choices, they are dead. A benefit is that the books teach survival skills, and each book describes a different type of environment. These books will be popular with children who are adventurous, plus they provide mental exercise for the reader. Each book provides three story paths and contains a survival guide related to the topic, Real Survivors, and Survival Quiz sections. Recommended." - Library Media Connection
May 1, 2012
Matt Doeden is a freelance author and editor from Minnesota. He's written numerous children's books on sports, music, current events, the military, extreme survival, and much more. His books Sandy Koufax (Twenty-First Century Books, 2006) and Tom Brady: Unlikely Champion (Twenty-First Century Books, 2011) were Junior Library Guild selections. Doeden began his career as a sports writer before turning to publishing. He lives in Minnesota with his wife and two children.
Go to the Author's Page →
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Charles Callahan
ArizonaCharlie Callahan focuses his practice in the areas of professional liability, wrongful death and personal injury defense, insurance coverage and fraud, governmental liability, bad faith, and educational institutions defense.
Charlie also maintains a significant appellate practice and has argued numerous times before the Arizona Court of Appeals, the Arizona Supreme Court and the Ninth Circuit Court of Appeals. He has been named a Certified Arbitrator for Maricopa County.
Professional Associations & Memberships
- Arizona Association of Defense Counsel (AADC)
- President, 2017-2018; President-Elect, 2016-2017; Treasurer, 2015-2016; Secretary, 2014-2015; Chair of the Amicus Committee, 2014-2018
- Defense Research Institute (DRI), Member
- State Bar of Arizona, Civil Practice and Procedure Committee, Member
- Certified Arbitrator for Maricopa County
Civic & Community Associations
- Recreation Association of Madison Meadows-Simis (RAMMS), Board of Directors, 2006-2014
- School Board Member, 2010-2013
Professional Recognition & Awards
- Best Lawyers in America®, Personal Injury Litigation – Defendants, 2020-2024; Insurance Law, 2021-2024; Commercial Litigation, 2023-2024; Litigation – Insurance, 2024
Presentations & Publications
- "Living Through Change: How the New Civil Practice Rules Are Working, and How They Will Affect You," Co-Presenter, State Bar of Arizona Convention, June 2019
- "How to Avoid the Hot Seat: Good Claims Handling in Arizona," Presenter, 2014 JSH Annual Seminar: It's All Fun and Games Until Someone Gets Hurt, November 2014
Arizona State University, Sandra Day O'Connor College of Law, J.D., cum laude, 1993
University of Nebraska, B.S., Accounting, summa cum laude, 1990
Arizona, 1993
Nevada (currently inactive), 2019
U.S. District Court of Arizona
U.S. District Court of Nevada
U.S. Court of Appeals, Ninth Circuit


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October 2020
Ten30 South Beach unveiled their sales gallery with a socially distanced open house. The event was hosted by Fortune Development Sales and welcomed about 75 brokers over two days. Guests were the first to see the project's residences and refined finishes. Ten30 South Beach is developed by the Shoma Group and designed by Shoma Interior Design.


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The Objective of the program :
For every One job or for every One Admission there are clearly hundreds and thousands of applications of candidates. As a result, Interviews these days have become a lot tougher and complicated.
With our Experience in Training, Coaching & Mentoring thousands of Working Professionals and Students, we have designed a Very Helpful Program which is a MUST for you, if you are preparing or planning to give any kind of interviews.
Interview Skills & Group Discussion
Understanding the Intricacies and Types of Interviews.
How to prepare for Interview and Group Discussion
Understanding Interviewer's Psyche
How to Make the Right Impression
Learning how to handle Nervousness before and during Interview
Becoming a Good 'Story-Teller'
Learning to handle Uncommon and Difficult Interview Questions
Handling Objections thrown by Interviewers
Closing the Interview
Post Interview efforts
We do at least 25 Mock Interviews with you
Understanding the Keys to cracking Interviews
Understanding the Keys to cracking Group Discussions
Power Dressing for Interview Success
Apt Body Language for Interviews and Group Discussion
Vocabularies to be used during Interviews and Group Discussion
How to Increase your confidence


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UPLIFTING, genre-leaping songs from a rousing quartet are heading to Wythall for what promises to be a fantastic concert.
Led by a sassy double-bass playing singer-songwriter with a rich and powerful voice, Kel Elliott & Her Three Man Orchestra offer quality live music that's been championed by Grammy award-winning jazz-pop artist Jamie Cullum.
Their concert, Truth and Tall Tales, is inspired by a diverse range of artists from Tom Waits to Ella Fitzgerald, and Bonnie Raitt to Michelle Shocked.
With her infectious, upbeat tales of life and lost love, a big, rich and powerful voice Kel will be joined on stage by Kelvin Leitch on rhythm guitar and vocals, Adam Cross on keyboards, saxophone, bass clarinet and accordion and Jay Riley on saxophone and keyboards.
They're a band that have wowed audiences from Ireland to Finland and are coming to Wythall with support from Live and Local Worcestershire.
Standard tickets are £12/£10.50 and the gig on Friday, January 19 is at Wythall Community Club 52 Silver Street, B47 6LZ.
To book, call the box office on 01564 822238.


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Reality Labs : Augmented Reality silicon challenges at and research directions
by Édith Beigné, Director of Silicon research, Meta (formerly The Facebook company) Reality Labs
How we got here. Where we're headed.
by John East
The Future of Short Reach Interconnect: A SerDes Perspective
by Davide Tonietto, Huawei Canada
Reality Labs : Augmented Reality silicon challenges at and research directions
Édith Beigné
Director of Silicon research, Meta (formerly The Facebook company) Reality Labs
— Abstract — Augmented reality (AR) is a set of technologies that will fundamentally change the way we interact with our environment. It represents a merging of the physical and the digital worlds into a rich, context aware and accessible user interface delivered through a socially acceptable form factor such as eyeglasses. One of the biggest challenges in realizing a comprehensive AR experience are the performance and form factor requiring new custom silicon. Innovations are mandatory to manage power consumption constraints and ensure both adequate battery life and a physically comfortable thermal envelope. This presentation reviews Augmented Reality applications at Facebook Reality Labs and Silicon challenges.
— Biography — Edith Beigné is the Research Director of AR/VR Silicon at Meta Reality Labs where she leads research projects driving the future of AR devices. Her main research interests are low power digital and mixed-signal circuits and design with emerging technologies. Over the past 20 years, she has been focusing her research on low power and adaptive circuit techniques, exploiting new design techniques and advanced technology nodes for different applications ranging from high performance multi-processors to ultra-low power SoC, and, more recently, AR/VR applications. She is the chair of ISSCC 2022 and part of ISSCC TPC since 2014, she was part of VLSI symposium TPC between 2015 and 2020. Distinguished Lecturer for the SSCS in 2016/2017, Women-in-Circuits Committee chair and JSSC Associate Editor since 2018. She visited Stanford University in 2018 to research on emerging technologies and new architectures.
How we got here. Where we're headed.
John East
— Abstract — Roughly 120 years ago the field of electronics began with the invention of the vacuum tube. The next 50 or 60 years were mostly dedicated to RF, to improvements in radio, television, and radar technology. Digital electronics were mostly relegated to the role of laboratory curiosities. The invention of the transistor in 1947 didn't change that situation as much as one might expect because of what was referred to as the "wire problem". The invention of the integrated circuit in 1959 unleashed what is commonly referred to as the digital revolution. The fires of the digital revolution were stoked by Moore's law. To keep the revolution going at full speed, higher and higher levels of integration were necessary and Moore's law guaranteed that those would be available. Today there is some question of how much longer Moore's law will hold. There is also a question of how much it will matter? Will the progress over the next few decades depend on integration level as much as the last few did? And if not, what will be the keys to success over the coming decades?
— Biography — John East retired from Actel Corporation in November 2010 in conjunction with the transaction in which Actel was purchased by Microsemi Corporation. He had served as the CEO of Actel for 22 years at the time of his retirement. Previously, he was a senior vice president of AMD, where he was responsible for the Logic Products Group. Prior to that, Mr. East held various engineering, marketing, and management positions at Raytheon Semiconductor and Fairchild Semiconductor. In the past he has served many boards of directors and advisory boards for companies serving various aspects of the high-tech market. He currently serves on the boards of directors of SPARK Microsystems – a Canadian start-up involved in high speed, low power radios — and Tortuga Logic — a Silicon Valley start-up involved in hardware security. He is presently an advisor to Silicon Catalyst — a Silicon Valley based incubator actively engaged in fostering semiconductor-based start-ups. His education and work histories are chronicled by the Computer History Museum, as well as in the Stanford University Library / Silicon Genesis. Mr. East holds a BS degree in Electrical Engineering and an MBA both from the University of California, Berkeley. He has lived in Saratoga, California with his wife Pam for 49 years.
The Future of Short Reach Interconnect: A SerDes Perspective
Davide Tonbietto
Huawei Canada
— Abstract — The unprecedented information explosion and its exponentially increasing demands on data traffic and processing are pushing a rapid and diverse evolution in short reach interconnect technologies. In the background of this race, CMOS technology is not providing the usual node over node boost in performance to help SerDes designers cope with higher bandwidth and data rates. Breakthroughs in high speed electrical interconnect and new approaches in optical interconnect, such SiPho, NPO (near package optics) and CPO (co-packaged optics) promise improved performance, energy efficiency and density. How are these new technologies going to affect the ever more complex power and density problems facing SerDes design? What are the specific challenges that new and emerging applications such as AI and HPC are posing on SerDes architectures and design? How interconnect technologies and new SerDes architectures are going to respond to the need for die disaggregation and multi-die IC products?
— Biography — Davide Tonietto graduated in Electrical Engineering from Pavia University, Italy in 1996. He has worked in several IC companies as analog IC designer and technical manager. He holds more than 20 US patents in the areas of Analog and Mixed Signal IC design and wireline communication systems and authored several papers on the subjects. He joined Huawei Canada in 2011 where he is currently Huawei Fellow and Senior Director. He founded and leads Hisilicon Serial Link (HiLink) a global organization based in Canada and China which supplies Hisilicon with a complete SerDes IP platform targeting all Huawei products and applications: Networking, Datacenter, HPC, Wireless Infrastructure, Mobile & Consumer. His research interests are in the areas of SerDes architecture, design, optimization and testing. He is currently involved in the definition of the technology roadmap for Near Package and Co- Packaged Optics (CPO and NPO).


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This is Dan Rossell's Typepad Profile.
Join Typepad and start following Dan Rossell's activity
Dan Rossell
Recent Activity
Why not have the gift box automatically reopen for all items instead of forcing us to reopen the gift box to redeem each item like the mastery signs?
You had some great responses to this week's Suggestion Thread, and there were so many of them that you all earned an Unwither! Get your Unwither Here! Claim until 12 PM PDT on 5/13. Limit 1 per Farmer.
If any one can use a new new neighbor, so can I.
Looking for new neighbors? Use this post to connect with your fellow Farmers! Ask other blog readers to add you and find some new, active players to add as neighbors.


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Paw Blackmores Fish Oil contains a concentrated blend of liquid fish oil, a rich source of omega fatty acids, EPA and DHA in a formula specifically designed for pets. With no added artificial colours or flavours, this oil supports the maintenance of general health and wellbeing in dogs. Fish oil can be used as adjunctive nutritional management for joint health, inflammatory disorders including atopy, cardiovascular health, and renal conditions. Omega 3 fats are considered good fats and are only found in oily fish such as herring, sardines, mackeral and salmon.
- High concentration fish oil
- Rich source of omega 3 fatty acids, EPA and DHA
- May help support joint health, inflammatory disorders including atopy, as well as cardiovascular health and renal conditions
- Very high safety profile
- Easy to dose pump dispenser, can be added to the food
There are many factors that predispose pets to developing osteoarthritis. Obesity and developmental orthopaedic diseases like hip and elbow dysplasia are common causes. Previous trauma to the joint from accidental injury or surgery can also play a role. Once the joint is damaged or placed under excessive strain, damage occurs to the chondrocytes, the cells that create the cartilage that cushions the joint. The damaged chondrocytes release substances that result in inflammation of the joint which begins a vicious cycle of deterioration. Over time the cartilage disappears resulting in reduced mobility and pain. Many veterinarians recommend the use of fish oil as an adjunctive treatment for inflammatory conditions including osteoarthritis.
Skin conditions are often related to allergies. Atopy is a genetically linked complex, and often results in itchy dermatitis among other signs. Strengthening the skin barrier can help barricade the body against allergens, and prevent itchy skin reactions from occurring. Omega oils help strengthen the skin barrier and are often recommended by veterinarians as an adjunctive therapy when treating sensitive skin conditions.
Dosing information: PAW Fish Oil can be added directly to your pets food. Consult your veterinarian for the appropriate dose regime for your pet. A general dose guide is set out below:
- For osteoarthritis, give 7 pumps per 10kg body weight, per day
- For renal disease, give 4 pumps per 10kg body weight, per day
- For atopy, IBD, cardiovascular disease, or idiopathic hyperlipidaemia give 3 pumps per 10kg body weight, per day
- For maintenance, give 1 pump every second day


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Roza Terenzi stands in front of a camera, pulls out two USB sticks and strokes the headphones over her hair. In 2019, the Australian producer and DJ debuts on boiler room at Amsterdam's Dekmantel Festival. It's just after four in the afternoon, 300 people sweat in a tent, the kicks start pumping. For the next hour, Terenzi mixes UK Rave classics with Jungle breaks, Electro cuts and unreleased House tracks from her home in Melbourne. The tent turns into a time capsule that takes everyone on a trip into the past — to pursue the never-before-seen ecstasy dream of imagined underground raves, bag a few records from the 90s, and after an hour put everyone gently back into the present.
»I always struggle to describe my music to people«, says Terenzi, who's real name is Katie Campell, in an interview with Resident Advisor. »It's more about creating a certain mood or atmosphere through sounds which embodies Roza Terenzi.« After all, the producer, who grew up in Perth, is interested in the contrast between sensual warmth and sharp harshness. Playfulness is something you would think of describing her music. Music that she calls »dance music« but does not intentionally produce for the dance floor. »It's to resonate with different parts of your mind through listening«, she says. Terenzis' releases, such as her debut album »Modern Bliss« just released on Planet Euphorique, mix the house-meets-break cocktail for open air sessions and after-hours, sipping on chilly vocals and twirl in plastic umbrellas made of funk, techno and esotheric kitsch.
Playfulness is something you would think of describing her music. Music that she calls »dance music« but does not intentionally produce for the dance floor.
This mix works. Back in 2018, the Melbourne-based producer released six records on labels such as Kalahari Oyster Cult, Butter Sessions and Planet Euphorique. She stormed the dance floors, took over a residence at Rinse FM — and toured the world for the first time. The success came as no surprise to her. It just evolved organically. Dance music has always been part of her life. Her father, a reggae drummer, produced dubby electronic cuts in the 90s. She often accompanied him, at home in the studio, surrounded by percussion instruments from Africa and Asia, which her father collected. He let her play around with Logic, built beats with her — and even produced a record. »Clap to the Crap Rap« is still on Bandcamp today. Hip-hop straight from the Australian west coast by and with nine year old KayTee.
As a teenager, Campell played the piano, drums and guitar. She even made it to the Montreux Jazz Festival with her school jazz band. But the elitist fuss wasn't for her. At 17, she discovered experimental music, attended Brainfeeder shows and listened to Warp records. At university, Campell enrolled in electronic music courses. »I was learning about early electronic artists like John Cage, comparing that to contemporary artists like Venetian Snares or Aphex Twin. I became really obsessed with this«, she says in an interview with TheWastedHour. However, she was also surprised. Men seemed to be everywhere in the history of electronic music, whereas women hardly ever appeared. »I was quite surprised by how many unsung women were involved«, Campell says to Mixmag. Then, she stumbles across the work of Italian astrophysicist Fiorella Terenzi. In the 90s, she was known for using radio telescopes to capture sounds from space and released obscure records such as »Music from the Galaxies«.
You can find the Vinyl Records by Roza Terenzi in the [webshop of HHV Records](https://www.hhv.de/shop/de/roza-terenzi-electronic-dance/i:A143280D2N93S6U9.)


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Racked is no longer publishing. Thank you to everyone who read our work over the years. The archives will remain available here; for new stories, head over to Vox.com, where our staff is covering consumer culture for The Goods by Vox. You can also see what we're up to by signing up here.
It's fair to say Adele's having a good week. Her first album in four years sold 2.3 million copies in one weekend, she performed on SNL, and perhaps most importantly, she got dinner with Jennifer Lawrence and Emma Stone. But those crazy album sales also broke the record for most album copies sold in a single week, a record previously held by '90s boy band *NSYNC.
Lest you think Justin, JC, Lance, Chris, and Joey would be salty about the upset, however, Lance Bass cleared the air with a heartfelt message of congratulations to the singer. There was even a pun!
We officially say Bye Bye Bye as @Adele says Hello to the World Record of Most Albums Sold In a Single Week. Congra… https://t.co/lexT5GPs7C
— Lance Bass (@LanceBass) November 24, 2015
Though Adele has yet to respond, let's hope it includes multiple *NSYNC references.


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We have more updates from USC recruiting. New updates on the USC Trojans.
USC targeting another center? by Chris Swanson: "USC already has a commitment from a center in the 2018 class. But the Trojans might not be finished with that position." [USC Rivals]
Dedich extends USC's sales pitch to o-linemen: "The nation's No. 1 center talks about his recruiting pitch for USC at The Opening Finals and where he thinks he can improve despite an outstanding overall performance." [USC Trojans Football, Basketball, and Recruiting Front Page]
WATCH: Devon Williams at The Opening: "BEAVERTON, Ore. -- Lancaster (Calif.) Antelope Valley four-star athlete Devon Williams highlights from The Opening Finals." [USC Trojans Football, Basketball, and Recruiting Front Page]
WATCH: 5-star OL Jackson Carman at The Opening: "247Sports brings you footage of Fairfield (Ohio) high school five-star offensive tackle Jackson Carman, the nation's No. 1 offensive tackle, from this weekend at The Opening." [FightOn247 USC Home News]


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Founded in 2005, Axial R/C, Inc. has quickly become a global brand leader of hobby grade radio controlled products.
Axial is regularly involved in local and national events. earning awards every year from 2007 through 2010, including "Best Truck", "Most Innovative", "Best Engineered Product of the Year", and "People's Choice."
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The Axial team encourages the entire family to get outside and have some family fun with Axial. All the Axial upgrades are available at the largest online rc store.


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Idle hands may be the Devil's workshop, but Grace Snyder must have put him out of business. The story of her life is told in an autobiography written with her daughter titled No Time on My Hands. One reason she had no time was that she made over 300 quilts including one containing over 87,000 pieces! But Grace wasn't busy all the time; she was a dreamer too. As a child she "… wished that (she) might grow up to make the most beautiful quilts in the world, to marry a cowboy, and to look down on the top of a cloud." If you count air travel for looking down on a cloud, her dreams all came true. How many of us can say that?
At first glance, Grace Snyder's life is unremarkable: the daughter of 1880s Nebraska homesteaders, she married a Nebraska rancher/cowboy (Bert), did some teaching, and raised four children. But she also made quite a few remarkable quilts, and that's what we'll look at today. You can learn more about her story in the bio information on the Hall of Fame website and the Nebraska Quilters site (links below); the latter is an especially thorough presentation for a reason I'll tell you about later.
Let me start with some of Grace's not-so-remarkable quilts—and when I say "not so remarkable", it's only in comparison with her others. From her earliest days, Grace was taught to make small neat stitches, and every Snyder quilt displays her fantastic workmanship. But some of her quilts are show-stopping designs and others are more personal. These are the personal ones—the ones that reveal something significant to the maker. (You won't be able to zoom in on these images, but you'll find them in the expanded bio link and can view close ups there if you want.)
This quilt was made with fabric from one of Grace's favorite childhood dresses. Not an unusual story, but here's the Snyder twist: the dress was torn as she ducked through a barbed wire fence to escape a charging bull.
Not every Grace Snyder quilt tells such personal stories. Here are some that tell us the quilter could be conventional. I wish I could give you better shots of the quilting; I've put links below to their home sites where you can at least zoom in.
The Lincoln Quilt, International Quilt Museum
Snyder, Grace. Grape and Vine Applique. 1951. From University of Nebraska – Lincoln, Nebraska Quilt Project (Lincoln Quilters Guild). Published in The Quilt Index, http://www.quiltindex.org/fulldisplay.php?kid=57-90-6E2. Accessed: 09/12/2020
Snyder, Grace. McGills Cherries; Applique. 1945. From University of Nebraska – Lincoln, Nebraska Quilt Project (Lincoln Quilters Guild). Published in The Quilt Index, http://www.quiltindex.org/fulldisplay.php?kid=57-90-6E1. Accessed: 09/12/2020
Remember I mentioned show-stoppers? I think these last three would qualify, but (wait) there's more. Grace won quite a few ribbons in her day, having made 24 quilts expressly for exhibition or competition. In addition to honors at county and state fairs, in 1950 four of Grace's quilts were displayed at the Women's International Exhibition in New York City. "Covered Wagon States" won a special ribbon in the International Division, and "Grape and Vine Applique" won a blue ribbon for its fine applique work. Her "Flower Basket Petit Point" and "The Bird of Paradise" were placed in a special division since there was nothing else like them at the exhibition. And there's still more: Grace also has two quilts that were included among the 100 chosen for publication in The Twentieth Century's Best American Quilts, and here they are:
This is a mosaic in the style of Albert Small (who made three hexagon quilts, the last one having pieces only 3/8 inch!). Grace probably saw the design in a 1939s magazine, and she made up her own color scheme from a black and white photo included with the article.
Nebraska State Historical Society
Before it was one of the 100 Best, this quilt was the Sweepstakes winner at the 1944 Nebraska State Fair and earned Grace a prize of $2.50. You can't really appreciate how detailed it is without seeing the video in the extended bio (link below.) The video starts off with some great close-up shots so you can see how she used half square triangles to create the look of needlework. Really, follow that link and play at least the first minute of the video. Wowza!
The State of Nebraska is justly proud of Grace Snyder, and Nebraskans make sure her legacy lives on. Her autobiography has been re-interpreted as a book for young readers, Pioneer Girl, which teachers throughout the state use in the required State History course. The University of Nebraska has also developed study aids to keep Grace's story alive because it's the story of the state itself, a real life Prairie life. And of course there's the presentation available at the extended bio link below. What other state has memorialized one of its quilters in this way?
That got me to thinking about who the famous or most-recognized quilters are in each state I live in Illinois, and we have Bertha Stenge (I promise to write about her soon) and next year Mary Gasperik will be inducted. Indiana has Marie Webster; California claims Yvonne Porcella and Jean Ray Laury; Nancy Crow put Ohio on the art quilting map. So, who is your state's best or most notable quilter—current or historical? Is there one for every state? Is she or he in the Quilter's Hall of Fame, or will you be making a nomination so your state won't be left out? If Grace Snyder's story tells us anything, it's that someone can be living a quotidian life, all the while making quilts and making her dreams come true. So, look around for people like her, and look at yourself to see if your dreams are coming true.
Bio information https://quiltershalloffame.net/grace-snyder/
Expanded bio http://nequilters.org/node/8
The Lincoln Quilt https://www.internationalquiltmuseum.org/quilt/20090320001
Grape and Vine Applique http://www.quiltindex.org/fulldisplay.php?kid=57-90-6E2
McGill's Cherries http://www.quiltindex.org/fulldisplay.php?kid=57-90-6E1
I'm Anna Harkins, and I volunteer on the Collections Committee at The Quilters Hall of Fame. What else would you like to know about me? Married, no kids; one old horse, retired, and live in a western suburb of Chicago. I've been quilting for about 20 years (I wish I could say I learned from my grandmother, but some of us come to this later than others), and I'm a quilt history dilettante, "a person who cultivates an area of interest, such as the arts, without real commitment or knowledge." There are real scholars among you, and I have no pretensions to that level—hats off to you! But I am interested, especially in the people who have made up the quilt world here in the US, which is why I've agreed to blog for The Quilters Hall of Fame. I plan to write every week, and I hope you'll join the discussions.


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In recognition of Dyslexia Awareness Month, Read Naturally aims to build knowledge around the learning disorder of dyslexia. This article summarizes the remarkable discovery of the language disorder over 140 years ago.
The Acquisition of "Word Blindness"
A woman, forty-five years of age, [suffered a stroke] while in the enjoyment of the most blooming health. . . . Two months after the attack she discovered that she could no longer read printing and writing. She saw the text, distinguished the forms of the letters, and could even copy the text, but was incapable of translating the words into spoken words and thoughts. (Van den Abeele, as cited in Kussmaul, 1877)
The first identification of the condition known today as dyslexia is attributed to German physician Adolph Kussmaul in the 1870s. In his medical treatise on "disturbances of speech," written in 1877, Kussmaul comprehensively summarized dozens of language impairments. Some of the afflictions were already well understood, whereas others were recent discoveries needing study. The 35 chapters of the treatise are liberally embellished with physicians' observations from medical cases like the description of the woman above. The cases describe the experiences of patients who suffered brain damage from causes like stroke, traumatic brain injury, dementia, or infection.
Kussmaul invented the term word blindness to describe those with normal vision and intellect who lose the ability to read words while maintaining the ability to speak normally (and in some cases even to write). Today, these individuals would be diagnosed with a form of acquired dyslexia, or dyslexia that develops as the result of brain injury.
Six years later, a fellow German, ophthalmologist Rudolf Berlin, coined the term dyslexia (1883). Derived from the Greek dys- (meaning "difficult") and -lexia (meaning "words"), dyslexia literally means "difficulty with words." While word blindness was the label used throughout the first half of the 20th century, it eventually gave way to our use of Berlin's term dyslexia today.
Word Blindness From Birth
Percy…, aged 14—…[A] bright and intelligent boy, quick at games, and in no way inferior to others of his age. His great difficulty has been—and is now—his inability to learn to read. This inability is so remarkable, and so pronounced, that I have no doubt it is due to some congenital defect. (Pringle Morgan, 1896)
Published in the November 1896 issue of the British Medical Journal, William Pringle Morgan's article, "A Case of Congenital Word Blindness," describes Percy, a 14-year-old boy who curiously struggled only with learning to read. The published observations of children like Percy by neuroscientists, ophthalmologists, and physicians from this time are among the earliest accounts of what is today known as developmental dyslexia, a genetic, brain-based reading disability that impairs learning to read. General references to "dyslexia" nearly always refer to developmental dyslexia.
Pringle Morgan reflected on the similarity of Percy's case to the word blindness (that is, acquired dyslexia) reported by Kussmaul:
It is unique, so far as I know, in that it follows upon no injury or illness, but is evidently congenital, and due most probably to defective development of that region of the brain, disease of which in adults produces practically the same symptoms…. (1896, p. 1378)
While physicians continued to study with fascination the curious cases of acquired dyslexia, Pringle Morgan's article represents the start of a new focus for many scientists on developmental dyslexia. In the early part of the 20th century, James Hinshelwood in Great Britain and Samuel Orton in the United States would explore dyslexia in children with great enthusiasm, paving the way for the advocacy, research, and supports that arose in the 60s and 70s and still continue today.
The Remarkable Deductive Power of Observation and Autopsy
Study of the brain in the 19th century was a slow, two-step process. First, physicians chronicled the details of medical cases over time, sometimes following patients for several years. Then, upon those patients' deaths, careful autopsies were conducted. Victorian-era scientists were able to map the locations of specific brain functions by combining details of the symptoms in their cases with the locations of brain lesions—areas destroyed by disease, loss of blood supply, or injury—identified by postmortem autopsy. This was especially true for cases of acquired dyslexia and the other language disorders chronicled in Kussmaul's 35 chapters. The medical community shared their cases with one another in lectures and journals, allowing the field to build upon their collective experience. In this way, three important areas of the reading network were identified before the turn of the century:
- French physician Pierre Paul Broca was presented with two patients, Leborgne and Lelong, both of whom had lost the ability to speak (a condition known as aphasia) and were able to utter only one and five words, respectively. Upon their deaths, autopsies revealed that both patients had brain lesions in the same place. In 1861, Broca lectured and wrote about this discovery, the first specialized area of language processing found in the anatomy of the human brain. This area is still known today as Broca's area.
- In a similar vein, German physician Carl Wernicke published a book in 1874 in which he discussed other patients suffering from aphasia. Unlike Broca's cases, Wernicke's patients could still perfectly articulate words; however, they could neither generate nor understand sensible language. As with Broca, Wernicke discovered that his patients all had suffered damage to roughly the same area of the brain. This area, today known as Wernicke's area, is part of the language network and is essential for word and sentence comprehension.
- In 1892, French neurologist Joseph Jules Dejerine published the findings of the case of "Mr. C," whom Dejerine first met in 1887. Mr. C., a retired salesman, was reading in his chair one day when he suddenly lost the ability to read the words. Later, after his death in 1892, an autopsy revealed that Mr. C. had suffered a stroke that impaired an area Dejerine identified as a "visual center for letters." Today this area is known as the Visual Word Form Area, or the "brain's letterbox." Dejerine's discovery was one of the first to identify a specialized location in the brain used for reading.
The remarkable identification of these three areas was important not only for understanding language processing but also in providing evidence of the theory of specialized areas of the brain for specific tasks. While each of the areas discovered in the examples above was thought at the time of discovery to serve a single function, neurologists have since shown that other parts of the language network contribute to those functions and that those areas, in turn, contribute to additional processes themselves.
While inefficient compared to modern technologies that allow images of brain functions in real time, early scientists like Kussmaul, Dejerine, and their contemporaries were able to map and develop remarkable understanding of language processing in the brain. While not all their early theories proved correct, many of their initial insights into the fundamental characteristics and causes of dyslexia and other language disorders have been confirmed in the modern era.
"Adolph Kussmaul. Photogravure." by Wellcome Images, a website operated by Wellcome Trust, a global charitable foundation based in the United Kingdom, is licensed under CC by 4.0.
Berlin, R. (1883). Über Dyslexie. [About dyslexia.]. Medicinisches Correspondenz-Blatt des Württembergischen ärztlichen Landesvereins, 53, 209–10.
Broca P. (1861a). Nouvelle observation d'aphémie produite par une lésion de la moitié postérieure des deuxième et troisième circonvolutions frontales. [New observation of aphemia produced by a lesion of the posterior half of the second and third frontal circumvolutions.]. Bulletins de la Société anatomique de Paris, 2 (6), 398–407.
Broca P. (1861b). Perte de la parole, ramollissement chronique et destruction partielle du lobe antérieur gauche du cerveau. [Loss of speech, chronic softening and partial destruction of the left anterior lobe of the brain.]. Bulletins de la Société d'Anthropologie de Paris, 1 (2), 235–238.
Dejerine, J. (1891). Sur un cas de cécité verbale avec agraphie, suivi d'autopsie. [On a case of word blindness with agraphia, followed by autopsy.]. Séances et mémoires de la Société de Biologie, 9 (3), 197–201.
Dejerine, J. (1892). Contribution à l'étude anatomo-pathologique et clinique des différentes variétés de cécité verbale. [Contribution to the anatomical-pathological and clinical study of the different variations of word blindness.]. Séances et mémoires de la Société de Biologie, 9 (4), 61–90.
"Dr. William Pringle Morgan" [Photograph] Adapted from https://dyslexiahistory.web.ox.ac.uk/brief-history-dyslexia
Hinshelwood, J. (1917). Congenital Word Blindness. H. K. Lewis.
Kussmaul, A. (1877/1977). Disturbances of Speech, Chapter 27: Word-deafness.—Word-blindness.—Derangements of the impressive or perceptive speech-track in general.—Alexia and kindred derangements in the comprehension of the symbols of expression.—Apraxia and aphasia. In Dr. H. von Ziemssen (Ed.), Cyclopedia of the Practice of Medicine (Vol. 14, pp. 770–778, G. B. Shattuck, Trans.). William Wood and Company. (Original work published in German, 1877.) https://archive.org/details/63550630RX10.nlm.nih.gov/page/n791/mode/2up
Pringle Morgan, W. (1896). A case of congenital word blindness. British Medical Journal, 2 (1871), 1378. http://doi.org/10.1136/bmj.2.1871.1378
Wernicke, C. (1874). Der aphasische Symptomencomplex. [The aphasic symptom complex.]. Cohn & Weigert.


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Fortnite players can't stop looking at the Chun-Li Street Fighter skin
Epic GamesEpic Games introduced a new Fortnite Street Fighter skin based on Chun-Li and players just can't stop looking at it, for some reason.
The game's community will be no stranger to crossovers, as it's been a long-term goal for its developers to bring loads of games to life in their battle royale experience.
In Season 5, it kicked off with The Mandalorian and Baby Yoda. While players were delighted about their arrival, along with the new Mando ship POI, there's a very different level of hype around the Street Fighter skin – added on February 20.
People can't stop talking about it and more to the point, they also can't stop looking at it either. It's actually getting rather weird.
Fortnite Street Fighter skin becomes fan-favorite
The Street Fighter skins include both Ryu and Chun-Li. Both of them have been applauded in terms of their appearance by the community, with some saying it's strange seeing either of them wield a weapon.
- Read More: How to get Alien Fortnite skins in Season 5
For Chun-Li, though, the hype levels have flew through the roof. A load of high profile players have been sharing videos of the character, like Liquid Stretch, dancing around using specific emotes.
For some reason, the character is getting a lot of fanfare.
Subscribe to our newsletter for the latest updates on Esports, Gaming and more.
fuck pic.twitter.com/7WDvJ0FgtZ
— Liquid Stretch (@Stretch) February 25, 2021
If you still haven't worked out why people are interested, perhaps Arturo's tweet below might explain things a little better.
Bro, this is gonna be the sexual awakening of a whole generation. pic.twitter.com/NULQr536UB
— Arturo (@armonz2408) February 25, 2021
Apex Legends players experienced something quite similar when Loba was introduced to the game, leading to a load of comments made in jest about her assets.
The skin is available in the Fortnite Item Shop and can be purchased by players. Whether or not the hype around it on social media leads to a spike in those bought remains to be seen, but some people are certainly getting carried away by what they see.


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Old Glory magazine subscription
Old Glory has been Britain's best-selling transport & industrial heritage magazine for 15 years. Evoking the sights & sounds of yesteryear with all types of steam engines vintage tractors transport and working heritage. Meet the preservationists who transform derelict machinery into jewels of living splendour - OG is no history book -OG is alive!


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Abate Molina: sailed off north for horse mackerel biomass quantification
March 20th, 2019
Research area considers resource's evaluation between Arica (18 ̊ 25'LS) and Valparaíso (33 ̊ 30 'LS)
A team of 27 professionals and technicians from Fisheries Development Institute (IFOP) embarked on Sunday, March 17th , at 6:30 p.m., at Valparaíso Port (Valparaíso Region) aboard (B / C) Abate Molina scientific vessel. The campaign will allow to quantify horse mackerel biomass, between the regions of Arica – Parinacota and Valparaíso, using the hydroacoustic method.
The project leader is José Córdova fishing engineer and the ship's captain is Enrique Quiero, the research cruise will for 42 days.
Specific objectives
To estimate horse mackerel stock size and its spatial distribution.
To characterize and analyze in a temporal –spatial context, demographic composition and interannual variation of horse mackerel resource, through biological indicators
Characterize and analyze the oceanographic conditions present at the research area and its relationship with the species spatial distribution.
To determinate horse mackerel specimens stomach contents and to characterize trophic behavior in the area and study period.
Ecosystemic information survey from acoustic cruises to support fisheries management based on the ecosystem. Phase II: Analysis in the temporal and spatial context of main species groups, present in acoustic echograms since 2003 up to date.
- Noticia anterior
- Siguiente noticia


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Racked is no longer publishing. Thank you to everyone who read our work over the years. The archives will remain available here; for new stories, head over to Vox.com, where our staff is covering consumer culture for The Goods by Vox. You can also see what we're up to by signing up here.
Hey hey, it's Friday! What are you doing this weekend? How about reading through some stories you might have missed this week: Bacon necklace or bracelet, anyone?, Cindy Crawford spills the beans on staying svelte, a WWD writer won't date guys who carry nylon messenger bags, an entire cottage industry has sprung up around knit beards, the first Lanvin for H&M ad gets released, Peter Jensen lands at Urban Outfitters, a Vogue photographer pays tribute to his best friend, Kubrick the dog, Victoria's Secret debuts its $2 million bra and iPad app, everyone ODs on Anna Dello Russo, Elmo and Hello Kitty have a baby, Jennifer Lopez's kids pose for their first campaign, we find knee-high riding boots for wider calves, and Jason Wu talks to us about, well, a lot of different stuff.


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- Address 2525 East Main St., Saint Charles, IL 60174


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University holds H1N1 vaccination clinics
In the past few weeks, Carnegie Mellon University has held clinics for students, faculty, and staff to receive the seasonal flu shot and the vaccine for H1N1, otherwise known as swine flu. It first appeared in the United States in April 2009 and has since spread to 46 states. The contagious virus, which has proven especially to strike those between the ages of six months and 24 years, was declared a global pandemic by the World Health Organization on June 11 of this year.
As more than 1000 American citizens, including 100 children, have died, President Obama declared H1N1 a national emergency on Oct. 24 of this year. In effect, this declaration gives hospitals the power to effectively treat those in need with such options as alternative care sites.
"I think that this is an appropriate measure because it provides health care systems with the flexibility and resources they will need to respond to a high demand for care," said Anita Barkin, the director of Student Health Services.
Typically, there are 36,000 flu-related deaths a year and 200,000 patients hospitalized from non-H1N1 flu-related effects.
By the end of March or April, the United States is hoping to have distributed 250 million doses of the vaccine. According to www.flu.gov, as of Oct. 21, approximately 11 million doses, including over 400,000 to Pennsylvania, have been issued to states. The vaccine comes in two forms — one a nasal spray and one an injection. "The nasal spray is live attenuated [weakened] virus. The injection is inactivated virus. The nasal spray is not recommended for persons who have underlying medical conditions like asthma or diabetes," said Barkin, explaining the difference between the two. The nasal spray, which the University has distributed, is approved for those from ages 2 to 49, and adults require one dose while children require two.
To ease concerns over the new vaccine, the Centers for Disease Control (CDC) explained in the pamphlet handed to students who received the vaccine that it was made in the same manner as the one for the seasonal flu. Side effects so far appear to be site redness and those typical of the seasonal flu, such as headache, congestion, cough, and mild fever. Those with weakened immune systems should not receive the nasal spray. On campus, "seasonal flu vaccines have been made available through clinics that have been occurring since mid-September. Our first H1N1 vaccine clinics were held on Oct. 13 and 15 in the University Center," said John Hannon, the director of student development. The university was trying to increase student awareness of the vaccine and increase turnout.
"I'm not really sure what will make people take it more seriously, but hopefully spreading the word will do the trick. That's why they're having clinics in residence halls this week," mentioned Ariel Rosenberg, a resident assistant in Stever House and a junior science and arts major.
At the flu clinics on Oct. 26 and 27 in Morewood Gardens and the Carnegie Mellon Café, the university's supply of approximately 2000 doses of nasal spray was depleted. More than 1300 students were vaccinated since the nasal spray was offered, along with faculty and staff. Although the supplies are currently exhausted, the university is still prepared to help those who may become ill and will notify students as soon as more supplies of the vaccine arrive.


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While I'm an entomologist at heart, I'm trained as an ecologist. Working at a small, primarily undergraduate institution, I find opportunities to work with great students who may not share my love of arthropods. For example, I'm piloting a long-term deer survey program as a means to support student interest in wildlife biology. Learn more about it on my Research page.
Reducing Barriers to Teaching with R in Undergraduate Biology, a QUBES faculty Mentoring Network8/26/2018 I will be incorporating instruction on the R statistical program in my Fall 2018 Ecology course thanks to an opportunity to participate in the QUBES (Quantitative Undergraduate Biology Education and Synthesis) Faculty Mentoring Network for 'Reducing Barriers to Teaching with R in Undergraduate Biology'. The ability to use the R statistical program is increasingly a requirement for undergraduate internships and employment in addition to being useful for undergraduate and graduate research. I'm excited to introduce this program to my students and hope to expand instruction on R at Lycoming College in the future.
We've been busy working on several projects this summer that include the second year of a student honors thesis work and the preliminary development of another undergraduate honors thesis. Ruric Bowman and Brittany Lenze are working this summer a research assistants with some additional help from new student Bailey Schwenk. We've been out catching adult insects in the Mosquito Creek watershed to determine if adult stream insects move into the forest canopy as adults and helping out on a bunch of other project examining forest communities and aquatic macroinvertebrates. The most exciting development is that Brittany Lenze's field experiment examining the effect of warming on Canada Thistle (and invasive plant species) is up and running. We'll be checking temperatures to be sure the black plastic is warming the soil as we hope, and we now have a full set of backup plants on the ready in case the thistles in the experiment fail to grow (which, itself, may be an important result). More to come as the field season moves along ...
Couldn't be more proud of my research students who presented posters of their summer research. They got great feedback, and it certainly helped my ego to hear my colleagues talk about how much they liked their posters. The entire CWI crew did a great job at the meeting.
Several Lycoming students, including some from my lab, will be presenting work at the 12th annual Susquehanna River Symposium on November 10-11, 2017 at Bucknell University. The theme for this year's meeting is "The Spirit of Two Great Rivers: The Susquehanna and Delaware". Check out the details of the meeting HERE.
Here you'll find the latest news for the RFSmith ecology lab. Please contact me with any comments, questions, suggestions, or other thoughts about the activities of my lab.


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Interview with Christelle Webb Joubert at Radio Sonder Grense
I was at Radio Sonder Grense talking to Christelle Webb Joubert who asked me some very interesting questions about how composition takes place in my brain! This interview will be podcast on either 16 or 23 August. Will keep you posted!


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Christmas is just around the corner but there's still time to do some festive sewing.
Fabric applique is a fantastic technique to get quick results, and it's perfect for using up scraps. So, I've created some Christmas applique patterns that you can download.
I'm quite impatient, so I love the fact that you can finish an applique project in an afternoon. I turned one of these applique designs into a Christmas card for my mother-in-law (scroll to the bottom of this page to see the result).
Christmas Applique Designs
I've put together 3 applique patterns below, that are suitable for a range of skill levels. The PDF downloads can be printed out on paper using your home printer and used as a template for cutting out your fabric pieces.
Rudolph Applique (Skill level: Easy)
Download your PDF Rudolph applique design
Candle Applique (Skill level: Easy)
Download your PDF candle applique design
Christmas Stocking Applique (Skill level: Intermediate)
Download your PDF stocking applique design
Here's one I did earlier!
I used the candle applique to make a Christmas card and you can see the results below. I fixed the applique pieces onto backing fabric using Fuse-A-Web (fabric adhesive). I then used a short zigzag stitch on the sewing machine to go around each piece.
I know it's not absolutely perfect, but I had great fun creating this card. It really was a lovely way to spend 90 minutes on a Sunday afternoon. And I know it'll be appreciated more than a card bought from the supermarket.
What could you make your Christmas applique design into? Ideas include creating placemats, a table centrepiece, decorating a plain tea towel, making a pincushion, decorating a bag etc. There really are so many options.
Whatever you're doing, have a great Christmas!


text: I work as Senior software engineer at Sistemi Software Integrati, a Finmeccanica company, which produces software for military, industry and space research. I worked in this company for most of my career (20+ years). The software we produce is mostly C++, Ada and Java. I use Python whenever is possible for side-jobs like document generation, code generation and test drivers.


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Edward Snowden Warns Donald Trump May Increase Domestic Spying
Even though President-elect Donald Trump has, like on many other issues, made contradictory statements about Edward Snowden, the former NSA contractor-turned-whistleblower is of a more consistent stance when it comes to surveillance under a Trump presidency.
Speaking through teleconference from Moscow, where he has been living in exile since 2013, Snowden told a gathering at the law school in Buenos Aires University on Monday the election of Trump raised concerns of increased intrusiveness of U.S. domestic surveillance programs.
Snowden told the gathering: "We are starting to substitute open government for sheer authoritarianism, a government based not upon the principle of informed consent granted by people who understand its activities but rather a trust in personalities, a trust in claims, a trust in the hope that they will do the right thing. … If government does actually win our trust, because they go for some years and they do operate in a way that we should support, what happens when it changes? This is kind of the challenge that we're facing today in the United States with the result of the last election."
Trump, who has promised to take big security measures to deal with terror threats to the U.S., has taken conflicting stands when it comes to Snowden. In 2013, he called Snowden a "terrible traitor" in an interview and hinted that he should be killed. But he also said he would become a "major fan" of Snowden if the latter released President Barack Obama's records.
And then, there was this.
When asked if he thought Trump's election will increase his chances of being pardoned by the U.S., Snowden only said: "Who knows?"
He was forced to leave the U.S. after he leaked classified information about U.S. spy operations that concerned both domestic and international intelligence gathering, and involved spying on many foreign heads of states, including of allied countries.
© Copyright IBTimes 2024. All rights reserved.


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With summer and the festive season upon us, knowing what to do in an emergency can save a life.
Choking, smoke inhalation or drowning can happen suddenly and getting help can be the difference between life and death.
Being able to do cardiopulmonary resuscitation (CPR) can be crucial.
The Western Cape Department of Health says CPR is an emergency procedure done to manually keep the brain functioning.
This life-saving technique is very useful in many emergencies, including heart attacks or near drownings, where someone's breathing or heartbeat has stopped."
The best way to perform CPR is to follow the Circulation, Airway and Breathing method (CAB system) which helps a first-responder remember the sequence of steps during CPR.
The Resuscitation Council of Southern Africa (RCSA) said when performing CPR on an unconscious adult the procedure is 30 thrusts in the middle of the chest, followed by two breaths on the unconscious victim. CPR must continue until help arrives.
When performing CPR on a child who is choking, the child gets five back slaps and up to five chest thrusts. Next, one must open the baby's mouth to look for and remove any visible foreign material.
If this works, you place the patient in the recovery position and check for continued adequate breathing, reassessing the patient continuously.
If this does not work, one must apply 30 chest compressions, then look inside the mouth and remove any foreign object, and administer two breaths until the baby is able to breathe again or help arrives.
If you're alone and have immediate access to a telephone, call the ambulance yourself before beginning CPR.
For more information on performing CPR, visit https://www. westerncape.gov.za/ general-publication/ cardiopulmonaryresuscitation-cpr. Alternatively, phone the RCSA at 011 478 3989 or visit: www.resus.co.za


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MP Peter Julian puts climate change at centre of federal NDP leadership bid
Over the years, the Straight has repeatedly spotted New Westminster-Burnaby MP Peter Julian at events involving diverse communities in the Lower Mainland. So it shouldn't come as a surprise that he was at today's Vaisakhi celebration in South Vancouver.
What might have caught some off-guard, however, was his decision to test out his Punjabi.
Julian's facility with languages will come in handy as he attempts to become the next leader of the federal New Democrats. He's a fluent French speaker and he sometimes delivers speeches in Mandarin.
In an interview with the Straight at the Vaisakhi celebration, Julian said that his wife, clinical audiologist Limei Tian, helps him with his Mandarin. He quipped that she's been very patient.
"I like when a crowd reacts when I'm speaking in Mandarin because that makes me feel like I'm striking a chord," he said.
Julian conceded that his American sign language is a little rusty, but he still posted a conversation that he recently had with a deaf person. Prior to winning his first election as a federal candidate in 2004, he worked at the Western Institute for the Deaf.
"Politics is all about communication," Julian said. "If we're representing a community, we need to make sure we that we're able to communicate most effectively as possible.
"So I learned a smattering of a bunch of different languages because in New Westminster and Burnaby, we're 100 languages," he continued. "I think it helps to break down barriers and say we have a multicultural society... Let's honour and cherish that diversity."
He's not the only federal NDP leadership candidate who's adept in different languages. Manitoba MP Niki Ashton speaks Greek, French, and Spanish and, like Julian, continues picking up words and phrases in other languages.
It's still early going and while Julian hasn't been endorsed by any of his fellow NDP MPs in B.C., he has received the backing of five Quebec MPs. They include the party's Quebec lieutenant, Alexandre Boulerice.
"That now means that a third of the Quebec caucus has endorsed me," Julian said.
The others are Pierre-Luc Dusseault, Robert Aubin, Brigitte Sansoucy, and François Choquette, as well as Saskatchewan MP Erin Weir.
Julian says there are two reasons why he's generating support in Quebec.
First is his adamant opposition to the Kinder Morgan and Energy East pipelines, as well as his campaign's "very robust plan for a just transition to clean energy".
He said that a "just transition" means coming up with a federally funded plan to retrain workers in the fossil-fuel sector in Alberta and Saskatchewan.
He argued that this is imperative as the country makes a transition to an economy powered by renewable energy.
"There's actually limitless potential for solar, for wind, and also for moving to a smart grid," Julian said. "We're seeing, increasingly, American states requiring clean energy."
Quebec MPs are also backing his leadership bid because they appreciate his years of work building the NDP organization in that province.
Julian was born and raised in New Westminster. At the age of 24, he moved to Quebec and attended the Université du Québec à Chicoutimi because he wanted to study international relations.
"It was tough in the beginning because I didn't speak French," he conceded.
But he soldiered on, studying and mastering the language. He also volunteered tirelessly for the party and helped elect the NDP's first Quebec MP, Phil Edmonston, in a by-election in 1990.
"Quebec members know me and know how committed I am to building a national party," Julian said. "That's why I think there have been so many Quebec members willing to step forward."
In a statement issued earlier this week, Boulerice praised Julian for moving to Chicoutimi to learn French and build the party.
"For almost 15 years, he called Saguenay, Sherbrooke, Montreal, and the Outaouais home," Boulerice added. "He loves Quebec, and I know Quebecers will be excited to work with him to strengthen our movement."
In addition, Boulerice credited Julian for his opposition to the Energy East pipeline and his willingness to defend workers' rights in the transition to a clean-energy economy.
Julian is aware that strong B.C. candidates for the federal NDP leadership have fallen short before. Rosemary Brown, Nathan Cullen, Dave Barrett, and Svend Robinson are four who tried and didn't succeed in the last 42 years.
So has the time come for his party to finally be led by someone from the 604 area code?
"I think so but it will be up to the membership across the country to make that decision," Julian said. "Part of the reason why I've been working hard to get support in other parts of the country is to show that a B.C. candidate isn't only a B.C. candidate. It's also a national candidacy. I was born and raised in B.C. I believe strongly in B.C. values. But that can resonate across the country, too."


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This is a weekly meme for all you 'page surfers' out there!
THE FRAGILE ONES by JENNIFER CHASE
"Katie and McGaven arrived at the Highland Sierra Hotel in Pine Valley early for their meeting with Mr. Brad Homestead, a real estate broker, and Mrs. Jenni Homestead, a stay-at-home mother. They had had three children since the abduction.
The road leading up to the resort was narrow and with the frequent rain storms they wanted to make sure they had plenty of time to get there. Katie drove in silence as McGaven stayed in his own world as well. She had memorized the abducted child report from Austin, Texas and was quite disappointed that it was more like an overview or a basic outline. The investigating officer at the time had since moved to another state and retired. It was clear that they thought it was going to be an open-and-shut case – and finding the child would be easy. The report stated that the child was in a stroller and was taken from the park. There were no eye-witnesses that could identify who took the child – except that it was a man between the ages of twenty and fifty-five years old.
Realizing that they had made great time, Katie was relieved that soon they would hear first-hand from the Homesteads what had happened that day. It was going to be a difficult interview for her; she didn't have anything positive to report to the parents yet, but at least they now knew what had happened to their daughter"
So, you have taken a look, would you read the book?
Let me know what you think in the comments section below.
Just to give you an extra helping hand to make your mind up, let's take a look at the book's premise
THE FRAGILE ONES – (Detective Katie Scott #5)
"Please Mommy, can Tessa and I go play on the swing by the creek?" the little girl begs, pushing a blonde curl from her eyes. "We'll stay together, and we promise to be safe." Hours later, their mother waits anxiously for her darling girls to arrive home with a list of reasons why they are late. But the front door never opens…"
When the bodies of eleven and twelve-year-old sisters, Tessa and Megan, are found at the bottom of a ravine—dressed in matching pastel summer outfits, their small bodies broken from the fall—Detective Katie Scott is called to one of the most shocking and heartbreaking crime scenes of her career.
Carefully picking through the fragile remains, Katie makes the first of many disturbing discoveries: the girls were not biological sisters. The youngest, Megan, is a DNA match to a kidnapping case years before. The tiny number burnt into her skin the mark of a terrifying killer intent on keeping count of his collection.
Her PTSD from the army triggered, Katie is left reeling as she maps other missing children in the local area. Has this twisted soul found a way to stay nearby his victims? Could he be watching now as Katie hits one dead end after another?
A wild storm building, matching a fiber found during the autopsy to a nearby boatyard is the break Katie needs. But when another girl goes missing, just as lightning strikes and the power goes out, Katie only has her instincts, her team and her service dog to rely on. As time runs out for Katie to finds the stolen child alive, who will become the next number on this monster's deadly list?
Teaser Tuesdays is a weekly bookish meme, hosted by:
Ambrosia at 'The Purple Booker'
Each week she shares her own teaser lines and invites other bloggers to do the same. So if you have a few moments, why not stop by and see what's on offer this time, after all, you never know where that next great read is going to come from!


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NOTE: This is Part 1
of a 3-part series.
21 ambitious young professionals have been awarded IBS
Scholarship to the 2018 NAHB International Builders' Show® (IBS) in Orlando
this coming January. Many have never attended before, and all are eager to
learn more about the building industry by exploring new products, networking
with other industry pros and attending the many education sessions available.
Here are their stories.


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Melissa Yue
Merrill Lynch Wealth Management:
Assistant Vice President, Wealth Management Advisor
UBS Financial Services:
Registered Client Service Associate
Forbes/SHOOK "Best-in-State Wealth Advisors" 2023
Forbes/SHOOK "Top Women Wealth Advisors Best-in-State" 2023
Forbes "Best-in-State Next-Generation Wealth Advisors" 2019
Forbes/SHOOK "America's Top Next-Generation Wealth Advisors" 2017, 2018
Certified Plan Fiduciary Advisor, CPFA
University of San Francisco: MS, Financial Analysis
Santa Clara University: BS, Economics; BA, German Studies
Melissa lives in Oakland, loves to cook, road cycle, practice Vinyasa and Hatha yoga and is an avid Cuban salsa (Casino) dancer. She travels often in search of perspective and culture; some favorite spots have been Hong Kong, Oaxaca, Mexico, Joshua Tree, and Chianciano Terme in Tuscany, Italy. Portugal and Japan top the list of places she would like to visit soon, but she is always happy to hear suggestions!


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Being Competitive
In August of 2009 we launched the Laticrete Hydro Barrier waterproofing membrane product to aggressively compete at a lower price point with a superior value.
Up to now Laticrete Hydro Barrier was only available in a 3.5 gallon container. Starting 5/31/10 it will be available in a One Gallon container size covering 50 SF with two coats.
Laticrete Hydro Barrier varies from our flagship product, HydroBan, as follows:
Allows for flood tested in 24 hours at 70ºF (21ºC) or above
Requires the use of fabric in the coves, corner, and changes of plane and around drains for waterproofing only; (it is not required for anti-fracture applications)
Backed by the Laticrete 5 Year System warranty
Changes from a light blue to a darker blue when cured
Allows for foot traffic in 4 to 6 hours @ 70°F (21°C) 50% RH
The following attributes remain the same for both Laticrete Hydro Barrier and HydroBan.
Anti-fracture protection up to 1/8" (3mm)
GREENGUARD low VOC certified
IAPMO Approved as a shower pan liner
Extra Heavy rating per ASTM C627 "Robinson Floor Test"
Passes ANSI A118.10 and A118.12
Thin; only 0.020-0.030" (0.5-0.8 mm) thick when cured
Inhibits stain causing mold and mildew growth in the substrate with Microban® antimicrobial product protection
Single component
Paint roller, brush, trowel or airless spray applied
Lighter color for easier inspection
Safe - no solvents and non-flammable
If you have questions concerning this or other Laticrete waterproofing products, call or contact our Laticrete waterproof membranes product manager, Jay Conrod. (203) 393-0010 ext 320 or email: firstname.lastname@example.com
For more info click here.
Labels: HydroBarrier, Waterproof, Waterproof membrane, Waterproofing


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AC Adapter For Central Monitoring Device, 433-EC Wireless Alarm & TL-5102MP Motion Sensor and Pager
(Note on shipping to the Republic of Ireland - currently taking 4-5 days)
Please scroll to the bottom of the page for reviews.
12 volt AC adapter which can be used with the Central Monitor (433-CMU), 433-EC Alarm, and the TL-5102MP Motion sensor and Pager.
We recommend you always keep batteries in the alarms even when using an AC adapter, so that if you experience a power outage, your system will still operate.
Price includes free shipping to UK and Northern Ireland


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by Monica Hayes
For the past three years, we have had to suffer through this boring and uneventful trilogy. We can now say the Fifty Shades trilogy is FINALLY OVER!
Freed begins with the wedding of Anna (Dakota Johnson) and Christian (Jamie Dornan). Throughout the opening credits, we see visuals of Anna's gown, the rings, Christian's tux, the "I do's" the extravagant reception and the lavish honeymoon to Paris. If you have been paying attention, when it comes to Christian Grey, this is the par for the course. As the newlyweds are enjoying themselves, the honeymoon is cut short when a fire is set in the server room of Grey Enterprises.
Once home, they are met by their household staff and new security. Anna is a little taken aback that she is now in charge of the daily household duties, her newly remodeled office at work, and the new house Christian bought the house for them. Not to mention, she is still trying to wrap her head around the fact that she is now Mrs. Christian Grey. Everything is going well in their life or so they think. Unbeknownst to the happy couple, a part of their past is still out there, lurking, waiting to rear its ugly head. That's right, Jack Hyde (Eric Johnson) is still out there waiting to exact his revenge for the life that should have been his.
Having read the E.L. James' books and knowing what is supposed to happen next, it was torture watching Freed. Nothing has changed from the first Fifty Shades of Grey to Freed. One would think the producers and writers would do something to spice up, he script/action; but nothing changed. There still isn't really a plot, the chemistry between Johnson and Dornan is still boring and laughable at best and the sex scenes are lackluster. When Anna "misbehaves" or defies Christian's commands, it earns her a trip to the "Red Room of Pain." There were no sparks, no Oooo's and ahh's, no squirming in the chair, or bottom lip biting. Just plain boring.
Come on, the reason these movies were even made was for the exciting erotica in E.L. James' novels. Of course, you can't put exactly what was described in the book on the screen without it earning an X rating, but damn, can you at least make it believable or maybe a little interesting?
Overall, don't spend a dime on this movie. Watch it on Netflix or on your favorite streaming site.
Grade: F


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This annual report describes FHFA's accomplishments, as well as challenges, the agency faced in meeting the strategic goals and objectives during the past fiscal year.
Read about the agency's 2022 examinations of Fannie Mac, Freddie Mac and the Home Loan Bank System.
Submit comments and provide input on FHFA Rules Open for Comment by clicking on Rulemaking and Federal Register.
As conservator, FHFA is focused on ensuring that each Enterprise builds capital and improves its safety and soundness.
Operate the business in a safe and sound manner.
Promote sustainable and equitable access to affordable housing.
2023 Scorecard
FHFA experts provide reliable data, including all states, about activity in the U.S. mortgage market through its House Price Index, Refinance Report, Foreclosure Prevention Report, and Performance Report.
Source: FHFA
FHFA economists and policy experts provide reliable research and policy analysis about critical topics impacting the nation's housing finance sector. Meet the experts...
COVID-19 Resources
Washington, D.C. – The Federal Housing Finance Agency, with Fannie Mae and Freddie Mac (the Enterprises), today announced a series of changes to the Home Affordable Refinance Program (HARP) in an effort to attract more eligible borrowers who can benefit from refinancing their home mortgage. The program enhancements were developed at FHFA's direction with input from lenders, mortgage insurers and other industry participants.
"We know that there are many homeowners who are eligible to refinance under HARP and those are the borrowers we want to reach," said FHFA Acting Director Edward J. DeMarco. "Building on the industry's experience with HARP over the last two years, we have identified several changes that will make the program accessible to more borrowers with mortgages owned or guaranteed by the Enterprises. Our goal in pursuing these changes is to create refinancing opportunities for these borrowers, while reducing risk for Fannie Mae and Freddie Mac and bringing a measure of stability to housing markets."
Fannie Mae and Freddie Mac have helped approximately 9 million families refinance into a lower cost or more sustainable mortgage product, approximately 10 percent of those via HARP. HARP is unique in that it is the only refinance program that enables borrowers who owe more than their home is worth to take advantage of low interest rates and other refinancing benefits. This program will continue to be available to borrowers with loans sold to the Enterprises on or before May 31, 2009 with current loan-to-value (LTV) ratios above 80 percent.
The new program enhancements address several other key aspects of HARP including:
Eliminating certain risk-based fees for borrowers who refinance into shorter-term mortgages and lowering fees for other borrowers;
Removing the current 125 percent LTV ceiling for fixed-rate mortgages backed by Fannie Mae and Freddie Mac;
Waiving certain representations and warranties that lenders commit to in making loans owned or guaranteed by Fannie Mae and Freddie Mac;
Eliminating the need for a new property appraisal where there is a reliable AVM (automated valuation model) estimate provided by the Enterprises; and
Extending the end date for HARP until Dec. 31, 2013 for loans originally sold to the Enterprises on or before May 31, 2009.
An important element of these changes is the encouragement, through elimination of certain risk-based fees, for borrowers to utilize HARP to refinance into shorter-term mortgages. Borrowers who owe more on their house than the house is worth will be able to reduce the balance owed much faster if they take advantage of today's low interest rates by shortening the term of their mortgage.
The Enterprises plan to issue guidance with operational details about the HARP changes to mortgage lenders and servicers by November 15. Since industry participation in HARP is not mandatory, implementation schedules will vary as individual lenders, mortgage insurers and other market participants modify their processes.
Attachments:HARP Fact Sheet and HARP Phase II Q&A
The Federal Housing Finance Agency regulates Fannie Mae, Freddie Mac and the 12 Federal Home Loan Banks. These government-sponsored enterprises provide more than $5.7 trillion in funding for the U.S. mortgage markets and financial institutions.