text:
Roots and wings
A few months ago, World Vision communicator Jeremie Olivier traveled to the Democratic Republic of the Congo and met children benefiting from World Vision's Rebound project, which helps rehabilitate former child soldiers and prostitutes. Read about his encounter with Zawadi and how this teenager is finding her wings through mechanics.
As I met with children in the northeast Democratic Republic of Congo (DRC) last fall while on a short-term assignment, a quote kept coming to mind: "There are only two lasting bequests we can hope to give to our children. One of these is roots, the other wings." This quote from Henry Ward Beecher, a clergyman known for supporting the abolition of slavery, is particularly meaningful to me as a parent.
I learned that 17-year-old Zawadi was born into extreme poverty, with barely enough food to eat and unable to afford a single piece of clothing. Without an education, she was looking for a way to get out of her situation.
Four years ago, Zawadi faced a choice no child should ever be faced with. She could continue living this life of misery, or join one of the too-many "maison d'intolérance" (houses of intolerance) in her hometown of Beni, where she would become a prostitute and earn some money.
Without any roots or wings to fly, she left home on a path that would bring her through three years of hell. Who could blame her? Certainly not I, sitting speechless and moved as I listened to her story told with a surprising strength. Her hope of a better life quickly disappeared before her eyes as drugs, abuse, depravation, and suffering entered into her daily life.
One year ago, World Vision workers met Zawadi and convinced her to join the Rebound project, which helps rehabilitate former prostitutes and former child soldiers. After much psychosocial therapy, Zawadi told me she has been able to heal most of her wounds.
When it was time to decide which basic skills she wanted to learn through the program, Zawadi chose the hardest way again — but this time with a better hope that it would truly improve her life. She wanted to learn mechanics, a trade usually reserved for men. In doing that work, she found her true passion. In fact, the garage owner teaching these children told me that she was by far the hardest working student he had seen.
Zawadi decided to give her life another chance. With World Vision's support, she is starting to put down roots. She also wants to fly, dreaming that one day she will own a garage and teach young survivors of exploitation about mechanics.
I believe that when children start to dream again, they allow their wings to grow. I also believe that it is our duty, as adults, to look around for children without any roots or wings and provide them with the opportunity to one day learn to fly.
You, too, can help provide a child with the opportunity to one day learn to fly. Consider sponsoring a child in the Democratic Republic of Congo today!


text:
is on a roll when it comes to mobile hardware. Unlike Apple,
Google doesn't design its own hardware -- rather it sticks to what it
knows best, software. Android recently passed
the iPhone in U.S. market share according to market research
firm NPD. Now Google is looking forward to a new
mobile assault on a piece of Apple's mobile empire that just recently
launched. According
to Verizon Wireless Chief Executive Lowell McAdam, Google is
teaming up with his company to launch a tablet which will compete
with the iPad.Apple's iPad has moved over
a million units already and some analysts speculate that
the tablet market could displace the netbook market as the next great
computing craze.McAdam comments, "We're looking at all
the things Google has in its archives that we could put on a tablet
to make it a great experience."Verizon Wireless declined
to add further details, namely who Google's hardware partner might
be. HTC seems one likely candidate, based on the company's
intimate involvement with the Android project. However, a
mid-sized tablet would be new ground for HTC, which specializes in
more diminutive cell phones. Dell, another Android
partner, is another possibility. HP is less likely, given the
word that it's working
on a webOS tablet, drawing on the expertise of new acquisition
Palm.The OS of the Google tablet(s) also remain unknown.
Google is reportedly prepping its Chrome OS for tablets, and
has shown
off new designs. Android is perhaps equally likely, as it
has been
shown to be easily portable to tablet designs. Either
way, the recent required 3D
OS skin-maker BumpTop will likely add enough polish to the
OS to make it an attractive alternative to the iPad.There's
no word on how soon Google's design might land.

subset: commoncrawl


text:
Principal Camillo
Valente Rodriguez
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text:
I see numerous posts talking about resigning Calderon. Here is a question:
Do you actually think he wants to stay?
In the last couple of years there have been comments, interviews, and rumours of his and/or his agent's desire to play in a warmer climate, to play for a winner, to be a starter, and to be traded. On top of that, the organization brought in TJ Ford, Jarrett Jack, and now Kyle Lowry to send him back to the bench. He was traded once but never went through and he has been widely known to have been on the block for the last 3 years.
People will talk about money and how the Raps can offer most than MLE because of Bird Rights. I wonder if that is wise. As his current contract has shown, overpaid players are not easy to move. Calderon himself has talked about signing another contract beyond this year for 2-3 seasons. With career earnings over $45M and a 3 year deal taking him to $55M-$60M, is an extra million or two per year going to make a difference in Toronto?
I think it is well known my opinion on Calderon. I'd like to see him moved for assets that will help the team beyond 2-3 years down the road.
With all of this said, I return to the start, do you think he actually wants to return to Toronto? I don't know but I don't think it is the given so many around here think it is. The flip side to being a true professional is once the contract is up, so are your obligations.


text:
May 27, 2009
*Spoilers^1000* THE Reunion KISSSSSSSSSSS
See more pics of the reunion scene shot today at Just Jared.
40 comments:
- AnonymousMay 27, 2009 at 5:50 PM
dots are for the special effects (sparkles)ReplyDelete
- AnonymousMay 27, 2009 at 5:51 PM
maybe the black dots have something to do w/ them adding the sparkles later... idk, just a guess! great shot though!!!ReplyDelete
The black dots are for the CGI that they will add later on so that he is all sparkling!! =D That kiss looks soo hot .. Who is really, super jealous of Kristen right now .. Please raise your hands lolReplyDelete
**Raises both hands and one foot** HAha
the black dots look like Markers for the "sparkles" mmmmm ... I CAN'T WAIT TO SEE IT .... with out that mans big head in the way .... lolReplyDelete
- AnonymousMay 27, 2009 at 5:52 PM
Dots = CGI sparkly spot guides.ReplyDelete
Maybe that means he won't just look all sweaty like in Twilight.
OME! I'm starting to hyperventilate, I must remember to breathe. I can't wait til November!ReplyDelete
*raising both hands ang both legs*
(thank God I'm sitting :D)
both hands are raised very high!!!ReplyDelete
Ahhhhhhhhhhhhhhhhhh I stop breathingReplyDelete
1 minute later...
Ok I think I recovered
Plus Lainey Gossip has more pictures about this
I just noticed the silver crescent moon shape on Bella's wrist!! YAY for Chris Weitz :DReplyDelete
I'm so excited!!
oh and both hands are raised... now!
omg!!! i nearly started crying...he looks gorgeous!ReplyDelete
guys are you sure the dots are for the sparkles . I mean Bella reached him before he actually steped out of the shadow in the novel,right? otherwise it'd mean he revealed the secret and the volturi would have killed him .ReplyDelete
Ok, I still can't breath...
I though my heart had stopped, I definelty stopped breathing for a bit. Can this couple be any hotter. And Rob?... I don't have any words !!!!!!!!!!!!!!
- AnonymousMay 27, 2009 at 6:27 PM
oh my... that's just so beautiful...ReplyDelete
i sooo wanted to be in KStew place..
But c'mon who on earth wouldn't?? LOL
i love you rob!!
OMG!!!!!!!!!!!! They are such a hot couple. And Rob there just aren't words. Excuse me I'm hyperventilating.ReplyDelete
- AnonymousMay 27, 2009 at 6:29 PM
I love it!!!! But I am surprised they are so showing so much, because it seems like the only part that will be a surprise the wolf stuff, oh well, he is beautiful.ReplyDelete
Somebody's been working out!!!! check out celebuzz there are some awesome pics !!!!!ReplyDelete
Totally cool hot pic!ReplyDelete
I love the sweet agony in his face!ReplyDelete
I've never loved low-rise pants so much in my life. Swoon. Dies. Lives to look at pics again.ReplyDelete
I tried not to look. I know I was warned but I cracked!! I'm kinda ok w/ the kiss. I thought it was pretty crazy that they didnt kiss until they made it back to forks(in the book)!ReplyDelete
i think those dots are for cgi, for the sparkles maybe?ReplyDelete
OME! I have officially cracked! I woke up this morning and felt antzy all damn day to get on TCA! I knew it had to do with a shirtless Rob! OME! I must be Alice.
- AnonymousMay 27, 2009 at 8:53 PM
WOOOOWWEEEE!!! I am squealing like a little girl over here! HOLY SHYST! I'm guessing the black dots are for the sparkles to be added to later?ReplyDelete
LOVE LOVE LOVE LOVE it. Did i mention I love it?!
remember when we where speculating about his buffness over at Twitter??? Well we seems to have our answer now don't we!!HeeheeReplyDelete
so okey well ahum my o myReplyDelete
My legs are very sore, because im walking 6 miles a day, i'm like very very tired.... but this made me forget all off that at once!!!
Thank you so much!!!
I think i can sleep really well now :D
i call that butt picture some real twi CRACK:)ReplyDelete
i dont think ill be able to sleep at all now... im going to be thinking about it all night for my forever :PReplyDelete
- AnonymousMay 27, 2009 at 11:30 PM
shoot once i started reading the twilight saga i couldnt stop and everytime someone would try and interrupt me i would throw something and scream at them but never look away from the book its sooooooooooo addictive lolReplyDelete
i loved the movie too
*raises both hands and legs and grabs her moms legs and hands and raises them too*
hehe im sooooooooo mean lol
but rob is soooooooooooooooooooo flippin awesome and handsome
- AnonymousMay 28, 2009 at 1:15 AM
Gosh he is so fit. Life's a bitch. LOL.ReplyDelete
- AnonymousMay 28, 2009 at 1:16 AM
WHY AM I CRYING??????? PLEASE DON'T STOP!!!!!!!!!ReplyDelete
- AnonymousMay 28, 2009 at 1:34 AM
- AnonymousMay 28, 2009 at 2:16 AM
Wonder what the silver crescent moon on Bella's wrist is supposed to be/mean?ReplyDelete
Is it a tattoo??? (Bella's?)
its where james bit her..lol have you not read the books..or seen twilight?ReplyDelete
- AnonymousMay 28, 2009 at 4:55 AM
I got goosebumps!!!!!!!!What a great way to end a day after a hard day at the office.ReplyDelete
- MishelMay 29, 2009 at 12:33 AM
its suppose to be the scar that James left her when he bite her in twilight... the one that Jacob call "the funny scar" in new moon... rememberReplyDelete
- AnonymousMay 29, 2009 at 2:46 AM
the dots are for adding the special effects later.ReplyDelete
Hes still HOT with them lol ;]]
He looks so intense and sad and beautiful and desperate and EVERYTHING GOOD UNDER GOD'S SUN.
Oh, Kristen looks ok (bitter b/c I am soooo jealous)
Forgot to say that his biceps are killing me.ReplyDelete


text:
Early Years of Marriage (EYM) Project, Years 1-4, 1986-1989 (ICPSR 4557)
Principal Investigator(s): Veroff, Joseph, University of Michigan; Douvan, Elizabeth, University of Michigan; Hatchett, Shirley, University of Michigan; Orbuch, Terri, University of Michigan
The purpose of the Early Years of Marriage (EYM) Project was to determine ways in which the early development of marriage for Black couples and White couples affect the mental and physical health of spouses, marital stability, long-term marital outcomes, patterns of family life and, for those who divorce, individual adjustment to family disruption. The EYM Project began in 1986 with 373 newlywed couples--174 White couples and 199 Black couples. The marriages were all intra-racial and it was the first marriage for both spouses.
Year 1 interviews, which queried the couples on various aspects of married life, began after four to nine months into the marriage. Very few respondents who originally participated in Year 1 of the study refused to participate in subsequent phases of the study. In 1986 (Year 1) and 1988 (Year 3) spouses were interviewed in their homes separately and together, with the interviews conducted by interviewers of the same race. In 1987 (Year 2) and 1989 (Year 4) shorter individual telephone interviews were conducted.
In all four years, respondents were queried on a wide variety of topics such as feelings and perceptions of their own family, spouse, in-laws, and their spouse's friends, family planning, how many children they should have, how the children should be reared, childcare, and household roles and responsibilities. A series of questions was asked about reasons for getting married, how satisfying married life was, what, if any, were the special pleasures and good feelings that came from being married, how often arguments and disagreements occurred, main reasons for arguments, and how they were eventually resolved. A series of questions were also asked regarding the mental and physical health of the spouse, job satisfaction, job security, and how the job affected the family. In Year 2 and Year 4 interviews (Parts 2-4), a series of questions regarding separation and divorce were also asked.
Demographic variables include race, gender, age, level of education, occupation, income, and religious preference.
Access Notes
Data in this collection are available only to users at ICPSR member institutions. Please log in so we can determine if you are with a member institution and have access to these data files.
This study is provided by ICPSR. ICPSR provides leadership and training in data access, curation, and methods of analysis for a diverse and expanding social science research community.
Study Description
Veroff, Joseph, Elizabeth Douvan, Shirley Hatchett, and Terri Orbuch. Early Years of Marriage (EYM) Project, Years 1-4, 1986-1989. ICPSR04557-v1. Ann Arbor, MI: Inter-university Consortium for Political and Social Research [distributor], 2007-10-03. https://doi.org/10.3886/ICPSR04557.v1
Persistent URL: https://doi.org/10.3886/ICPSR04557.v1
Export Citation:
- RIS (generic format for RefWorks, EndNote, etc.)
- EndNote XML (EndNote X4.0.1 or higher)
This study was funded by:
- United States Department of Health and Human Services. National Institutes of Health. National Institute of Mental Health (MH 41253)
Scope of Study
Subject Terms: attitudes, birth expectations, careers, child care, child rearing, children, conflict resolution, divorce, domestic responsibilities, dual career couples, family life, family relations, happiness, health status, households, job loss, job satisfaction, job stress, life satisfaction, marital relations, marital satisfaction, marriage, mental health, perceptions, physical condition, religious beliefs, remarriage, sexual attitudes, spouses, unemployment, working hours
Geographic Coverage: Michigan, United States
- 1986
- 1987
- 1988
- 1989
- 1986-09 (Year 1)
- 1987-08 (Year 2)
- 1988-09 (Year 3)
- 1989-09 (Year 4)
Unit of Observation: individual
Universe: Married couples aged 25-37, of the same race/ethnicity, who applied for a marriage license in Wayne County, Michigan during April-June, 1986, and were married and residing in Wayne County, Michigan in 1986.
This data collection only contains Year 1 through Year 4 of the Early Years of Marriage Project.
Variables from all four parts can be linked via the MERGEID variable.
Respondents were 199 White couples and 174 Black couples who applied for marriage licenses in Wayne County, Michigan, during April-June, 1986. To be eligible for the study, both members of the couple had to agree to participate, be of the same race, and in their first marriage. The wife had to be younger than 35 years of age, and the couple married and residing in Wayne County in 1986. All eligible Black couples and a random sample of the eligible White couples were contacted and asked to take part in the study.
The comparison of this sample with the year-appropriate United States Census data (first-married couples by race on a host of demographic variables) makes it representative to those first-married couples in 1986.
Mode of Data Collection: Parts 1 and 3: face-to-face interview, Parts 2 and 4: telephone interview
Response Rates: In 1986, response rates were 66 percent (65 percent for Black couples and 66 percent for White couples).
Original ICPSR Release: 2007-10-03
Related Publications
- List all ~42 citations associated with this study
Most Recent Publications
Export Options: RIS/EndNote
Instructional Resources
Instructional guides that utilize this dataset are available:
Metadata Exports
- Citations exports are provided above.
Export Study-level metadata (does not include variable-level metadata)
If you're looking for collection-level metadata rather than an individual metadata record, please visit our Metadata Records page.


text:
In the first part of our post, we suggested that in order to increase the quality of CFP continuing education standards, they should establish a better database, as well as a system to vet speakers. In the second part of the post, we look at increasing CE requirements to create a market for CFP CE providers.
Perhaps the single most important step to improving CFP CE providers and content in the long run, though, is that the Certified Financial Planner Board of Standards still needs to lift its requirements for the number of CFP CE credits that are required from year to year.
As you may recall, the CFP Board proposed last year to increase the CE requirement for 30 hours of CE credit every two years, up to 40 hours—a change that I supported simply on the basis that our continuing education requirement as practitioners is woefully below that of most other recognized professions, which is especially unfortunate given how broad and multidisciplinary the financial planning topic list really is. Unfortunately, though, the CFP Board ultimately declined to implement the CE change.
While the decision not to increase the CE requirement was unfortunate from the perspective of advancing the profession, it was also very unfortunate from the perspective of trying to improve the quality of CFP education. The reason is simply this: the more CE that is required, the more demand there is for CE credit, and therefore the more providers there are willing to enter the marketplace and try to craft quality CE credit.
Or, viewed another way, it's hard to see why many quality CE providers would try to grow a business providing CE credit when the bar is already so low for practitioners. For instance, with just under 70,000 CFP certificants required to get just 15 hours of CE per year, that means the entire marketplace is "only" about 1,000,000 hours of CE per year, much of which is already consumed by the hundreds of conferences that exist.
While that may sound like a large number, the reality is that if a quality CE provider for online content were to launch and managed to capture 2% of the entire marketplace, teaching all 15 hours of CE for 1,400 CFP certificants at a "reasonable" low-price online cost like $5 per CE credit hour (which by comparison is the going rate for volume online CE providers in the CPA space), the entire business would barely generate $100,000 of gross revenue. And that's before the cost of marketing, developing the educational platform, and actually creating the content!
The bottom line: there's just not enough opportunity for much business growth and innovation given the small size of the marketplace that results from the CFP Board's relatively low CE requirement.
After all, it's with no small bit of irony that one of the primary objections that came through from the CFP Board's comment period on the proposed increase of CE was that the content quality is already so low that practitioners didn't want to spend more time sitting through "useless" CE sessions (although notably, another complaint was that not all CE credit for CFP certification overlaps with other regulatory requirements, but that's a discussion for another day).
Yet it seems that we're now caught in a circular chicken-and-egg argument; the quality of CE won't improve until the marketplace is expanded with a larger CE hour requirement, but practitioners don't want the larger CE hour requirement until there's more quality content to fill it.
Arguably, the CFP Board could just start creating its own content to break the logjam, but the reality is that this only solves the problem of the underlying content, not the real problem of a lack of quality speakers and educators to deliver it (as anyone who's heard a speaker in the past deliver the CFP Board's canned Ethics content can attest!).
But perhaps having the CFP Board implement a speaker rating system and a clearinghouse for finding speakers and relevant CE providers, and subsequently increasing the requirement for CE hours as well, can support a broader marketplace for quality CE education and an better opportunity for good providers to succeed with the existing systems (online delivery, standalone conferences, association events, etc.), and keep the profession moving forward.
Read Strategies for CFP Board to Improve Continuing Education Credit on AdvisorOne.


text:
Dreaming of home for Syrian refugees
Today begins the last week of #Dreamshare with a post from blogger Rachel Held Evans! Share your dreams at our Share My Dream website, use the hashtag #dreamshare on Twitter and Instagram, and if you're a blogger, add your own posts about Syria and sharing dreams with our link-up!
Rachel writes about the importance of home, and how -- while the Syrian refugees are forced away from theirs -- we can help make this separation more bearable.
* * *
The scent of dinner cooking on the stove, the familiar rhythms of footsteps on the floor, the way the front door creaks or groans or slams the same way every time, the comfort of your own bed, the nearness of family and neighbors -- it's hard to name a single thing that makes a place home.
Yet we know when we are there.
And we know when we are not.
Though I suspect my own home looks, sounds, and smells a bit different from the homes left behind by the 4.25 million Syrians who have been internally-displaced by the violence there and another 2.1 million who are now seeking refuge in neighboring countries, it is a shared human experience to long for home, to miss its familiar rhythms and routines. And it must be devastating to see a home wrecked and ravaged by war, the place that was once a refuge suddenly made unstable by violence.
Nothing can replace home. So my dream for the Syrian refugees will not be realized until there is, at last, peace, and 11-year-old Nour can get her wish of returning to her house and school.
But in the meantime, there are things that can make separation from home a little less frightening and a little less disruptive: blankets, hygiene items, accessible food and water, play areas, counselors, and classes so that schoolchildren can pass the day reading and writing rather than falling behind.
A one-time donation to World Vision can help provide these things to a family desperate for some sense of normalcy amid all this chaos.
Though many of us are far away and at a loss for how to respond to this conflict, we can pray for comfort and help provide a blanket. We can pray for health and help provide food vouchers. We can pray for the children and help provide schooling.
And as we walk through our front doors or lie down to sleep, we can pray that the people of Syria, too, will find their way home.
* * *
Rachel Held Evans is a speaker, author, and blogger. She blogs at RachelHeldEvans.com.
Make a one-time donation to help World Vision provide emergency assistance for Syrian refugees. Your gift will help us deliver basic hygiene kits and food vouchers for refugee families, as well as support initiatives like the remedial education program, helping refugee children continue their education away from home.
Please join us in prayer for all World Vision staff members working around the world, particularly in this region of conflict.


text:
This study is provided by ICPSR. ICPSR provides leadership and training in data access, curation, and methods of analysis for a diverse and expanding social science research community.
Nineteenth Century Family History in Michigan: 1850-1880 (ICPSR 32)
Principal Investigator(s): Warner, Sam Bass Jr.
This data collection provides information on the characteristics of 1,194 Michigan families in rural places, towns and villages, and the urban areas of Detroit in 1850 and 1880. Data are provided on the geographic location of each household and type of locale, total number of residents in the household, and total number of children of the head of each household. Demographic variables provide information on age, race, place of birth, and occupation of the household head and their spouse, place of birth of father and mother of the household head and of their spouse, sex of the household head and their children, and age of the children. Additional variables provide information on the number of children listed as unemployed, the number of parents or parents-in-law of the household head residing in the household, the number of other related adults aged 14 and older, other related children aged 14 and younger living in the household, the number of servants or employees in the household, and the number of boarders or roomers in the household.
Access Notes
Data in this collection are available only to users at ICPSR member institutions. Please log in so we can determine if you are with a member institution and have access to these data files.
ASCII + SAS Setup SPSS Setup
Study Description
Warner, Sam Bass, Jr. NINETEENTH CENTURY FAMILY HISTORY IN MICHIGAN: 1850-1880. ICPSR00032-v1. Ann Arbor, MI: Inter-university Consortium for Political and Social Research. [producer and distributor], 1999. https://doi.org/10.3886/ICPSR00032.v1
Persistent URL: https://doi.org/10.3886/ICPSR00032.v1
Export Citation:
- RIS (generic format for RefWorks, EndNote, etc.)
- EndNote XML (EndNote X4.0.1 or higher)
Scope of Study
Subject Terms: census data, extended families, families, family size, household composition, households, living arrangements, nineteenth century, occupations, place of birth, rural areas, townships, urban areas
Geographic Coverage: Detroit, Flint, Lansing, Michigan, United States
Universe: Population of the United States in 1850 and 1880.
The data map is provided as an ASCII text file, and the codebook is provided by ICPSR as a Portable Document Format (PDF) file. The PDF file format was developed by Adobe Systems Incorporated and can be accessed using PDF reader software, such as the Adobe Acrobat Reader. Information on how to obtain a copy of the Acrobat Reader is provided on the ICPSR Web site.
Sample: A total of 1,194 households in Michigan in 1850 and 1880.
manuscript censuses of 1850 and 1880
Extent of Processing: ICPSR data undergo a confidentiality review and are altered when necessary to limit the risk of disclosure. ICPSR also routinely creates ready-to-go data files along with setups in the major statistical software formats as well as standard codebooks to accompany the data. In addition to these procedures, ICPSR performed the following processing steps for this data collection:
- Checked for undocumented or out-of-range codes.
Original ICPSR Release: 1984-05-10
Metadata Exports
- Citations exports are provided above.
Export Study-level metadata (does not include variable-level metadata)
If you're looking for collection-level metadata rather than an individual metadata record, please visit our Metadata Records page.


text:
Charging and Sentencing of Murder and Voluntary Manslaughter Cases in Georgia, 1973-1979 (ICPSR 9264)
Principal Investigator(s): Baldus, David C.; Woodworth, George; Pulaski, Charles A.
These data were collected to assess the levels of racial discrimination and arbitrariness occurring at different levels within Georgia's capital charging and sentencing system. Data cover approximately 1,000 murder and voluntary manslaughter cases. Information was obtained for all known penalty trial cases and for certain cases stratified by case type (voluntary manslaughter conviction, nonpenalty trial life sentence, and penalty trial) and by state judicial circuit. Numerous measures of defendant blameworthiness were developed as a basis for assessing levels of arbitrariness and discrimination in the capital charging and sentencing system. Variables include race, sex, and socioeconomic class, as well as crime codes, jury/bench decisions, final plea, term, and number of counts convicted.
Access Notes
One or more data files in this study are set up in a non-standard format, such as card image format. Users may need help converting these files before they can be used for analysis.
The public-use data files in this collection are available for access by the general public. Access does not require affiliation with an ICPSR member institution.
This dataset is maintained and distributed by the National Archive of Criminal Justice Data (NACJD), the criminal justice archive within ICPSR. NACJD is primarily sponsored by three agencies within the U.S. Department of Justice: the Bureau of Justice Statistics, the National Institute of Justice, and the Office of Juvenile Justice and Delinquency Prevention.
Study Description
Baldus, David C., George Woodworth, and Charles A. Pulaski. Charging and Sentencing of Murder and Voluntary Manslaughter Cases in Georgia, 1973-1979. ICPSR09264-v1. Ann Arbor, MI: Inter-university Consortium for Political and Social Research [distributor], 2001. https://doi.org/10.3886/ICPSR09264.v1
Persistent URL: https://doi.org/10.3886/ICPSR09264.v1
Export Citation:
- RIS (generic format for RefWorks, EndNote, etc.)
- EndNote XML (EndNote X4.0.1 or higher)
This study was funded by:
- National Science Foundation. Law and Social Sciences Program (SES 8209449)
- Edna McConnell Clark Foundation
Scope of Study
Subject Terms: manslaughter, murder, racial discrimination, sentencing
Geographic Coverage: Georgia, United States
- 1973-03--1979-12
Universe: Defendants convicted of murder or voluntary manslaughter in Georgia between March 1973 and December 1979.
The codebook is provided by ICPSR as a Portable Document Format (PDF) file. The PDF file format was developed by Adobe Systems Incorporated and can be accessed using PDF reader software, such as the Adobe Acrobat Reader. Information on how to obtain a copy of the Acrobat Reader is provided on the ICPSR Web site.
Sample: Stratified probability sample including all known sentence and penalty trial cases.
records of the Georgia Board of Pardons and Paroles, Georgia Department of Offender Rehabilitation, Georgia Bureau of Vital Statistics, and Georgia prosecutors and defense attorneys
Extent of Processing: ICPSR data undergo a confidentiality review and are altered when necessary to limit the risk of disclosure. ICPSR also routinely creates ready-to-go data files along with setups in the major statistical software formats as well as standard codebooks to accompany the data. In addition to these procedures, ICPSR performed the following processing steps for this data collection:
- Checked for undocumented or out-of-range codes.
Original ICPSR Release: 1989-12-15
- 2001-12-14 The documentation for this collection was converted to PDF and the SAS data definition statements were reformatted.
Related Publications
Export Options: RIS/EndNote
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- Citations exports are provided above.
Export Study-level metadata (does not include variable-level metadata)
If you're looking for collection-level metadata rather than an individual metadata record, please visit our Metadata Records page.


text:
Eagerness to do what is right with transparent motives.
No one can see what the motives are inside your heart. The only way others can understand why you do what you do is by hearing your words and observing your actions. Sincerity is being concerned that my words and actions give an honest representation of what I believe and why I live as I do. Sincerity is proving your words by following through with your actions.
Mechanization introduced a new way of efficiency to nineteenth-century manufacturing. However as much as 25 percent of potential factory profits were lost due to relubrication downtime, because machines frequently had to be shut down for regreasing. This limitation hampered the railroad business as well. Most trains had to stop every 20-35 miles while critical parts were relubricated by hand. But that was going to change, thanks to Elijah McCoy.
After studying in Edinburgh, Scotland, where he earned the title "master mechanic and engineer," McCoy returned to Michigan. He could not obtain work in his field of expertise but he did find work as a railway fireman. He shoveled fuel into the furnace, stoked the boiler, and lubricated the steam cylinders and sliding parts of the train.
For two years, McCoy applied himself to developing a solution to the lubrication problem and in 1872 he introduced his lubricating cup to the world, promising it would "do away with the need of shutting down the machines periodically." Railroad companies and factories across the country caught onto the idea of automatic lubricators. Numerous competitors jumped into the market and began manufacturing similar lubricators.
But Elijah McCoy had not cut corners. He designed a product that was top quality and would live up to his promises. Within ten years, his device was so successful that machinists began to insist on having "the real McCoy," rather than look-alike lubricators. Thus, McCoy's name became synonymous with quality and sincerity. Sincerity is putting the same quality inside as is represented outside, and only representing what can be backed up in fact.
At home explain to your children that sincerity is consistently treating others as you believe you should be treated and not treating others as you do not want to be treated.
Brought to you by the Four Corners Character Council. Character First definitions and information used by permission, www.characterfirst.com.


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is vowing to release
35 Atom-core powered tablets next year sporting Windows 7,
Android (Linux), and Meego (Linux); but those promises did little to
stop Goldman Sachs researchers from delivering a scathing review on
the companies' tablets progress.Reports from Goldman Sachs
often hold a key influence on corporate stock prices, so the report
is troubling to both Microsoft and Intel, which received criticism in
the report.Analyst Bill Shope praises the progress of ARM
processor makers and leading tablet OS makers Apple (iOS) and Google
(Android). He predicts sales of 54.7 million tablets in 2011
and states, "If this is the case and our tablet forecast is
anywhere near accurate, this would be the first time in three decades
that a non-Wintel technology has made legitimate inroads into
personal computer."Mr. Shope adds,
"This rush of iPad competitors is not surprising in itself, as
Apple tends to regularly define the direction of the electronic media
and computing industries. What is surprising is that many of
these products are not utilizing Intel microprocessors or a Microsoft
operating environment."Another Goldman Sachs analyst,
Sarah Friar, points out that Microsoft claimed that it would deliver
tablets by Christmas, but that the "tablet response is still
not forthcoming", having slipped to 2011.ISuppli, a
separate market research firm recently offered a similar
prediction of 63.5 million tablets shipped in 2011, up from
approximately 13.8 million sold this year.The
New York Times this
week ran a
report that Microsoft CEO Steve Ballmer was set to announce
new Windows tablets, including a Dell and Samsung model, at CES 2011
in January. The source says that Microsoft may even show a
tablet running Windows 8.Similarly Intel is trying to turn
around its ship, with the release of its aforementioned 35 tablets on
its "Oak
Trail" (Windows 7, Android, MeeGo) and "Moorestown"
(Android, MeeGo) platforms.Of course both companies
were talking
about releasing tablets at CES last year -- but neither
delivered.At least iSuppli shows Microsoft a little more
love, commenting, "Even with Microsoft's stumbles to date in
tablets, iSuppli believes that Microsoft will figure out how to
design a functional tablet operating system."But the
picture is clear -- these companies must deliver in 2011 or they risk
being reduced to bit players in the next generation of computing.


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The $619 million Leominster Credit Union in Leominster, Mass., said Friday it has accepted the immediate resignation of its president/CEO, Paul Gilbody, after less than six months on the job.
"(Board Chairman Anthony) Gasbarro indicated that Gilbody, who was named to the position in August 2012, resigned on amicable terms," the 51,800-member credit union said in a news release.
Senior Vice President Carol Southworth, who has been with the credit union since 2011, was named interim president/CEO while a search for a permanent successor is conducted, Leominster CU said.
"We have every confidence that the management of the credit union will be in good hands under Carol's leadership, and that she has the full support of LCU's board and executive management team," Gasbarro said.
Gilbody was a 25-year bank veteran when he was hired away from Bay State Savings Bank in Worcester, Mass., where he was executive vice president and chief operating officer. He also had been a vice president at Fleet Bank.
Southworth, who has been in charge of Leominster CU's seven branches and call center, financial education and security, also is a former Fleet Bank manager and a 20-year financial services veteran. He had been hired to replace Gordon Edmonds, who retired after five years in the credit union's top job.


text: "Whether a story found in this magnificent accumulation is new to the reader or familiar, Trevor's technical skillsfor instance, abrupt time shifts that are seamless and add rich layering to both plot and characterization, and pinpoint-perfect word choice resonant as a subtle but effective spicecan be readily recognized by readers with an eye to fiction construction; but on the other hand, these skills will be unconsciously gathered by readers unconcerned with technical analysis. In this master storyteller's hands, rural Ireland becomes the cosmos in which every one of us feels at home. The unfortunate ending of a friendship, the pain of a wife's discovery of her husband's affair, a husband's sacrifice of his affair so his mistress won't be regarded as just someone's "bit on the side"these specific situations assemble under the book's umbrella theme of ordinary life as undulating waves of pleasures and crises."Booklist (starred review)


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Appeals Court Rules Obama Recess Appointments Illegal
A unanimous decision handed down Friday by the District of Columbia Circuit Appeals Court invalidates President Obama's recess appointments to the National Labor Relations Board, and put the recess appointment of CFPB Director Richard Cordray into jeopardy.
The three-judge panel said the appointments, made while the Senate was in a pro forma session in early January 2012, were unconstitutional. The Obama Administration is expected to file an appeal to the Supreme Court.
"An interpretation of 'the recess' that permits the president to decide when the Senate is in recess would demolish the checks and balances inherent in the advice-and-consent requirement, giving the president free rein to appoint his desired nominees at any time he pleases, whether that time be a weekend, lunch, or even when the Senate is in session and he is merely displeased with its inaction. This cannot be the law," the judges wrote in the decision.
John Eastman, professor at Chapman University School of Law in Orange, Calif., said the decisions handed down by the NLRB over the past year are now illegal. Eastman and attorney Noel Francisco, who represented the plaintiff in the NLRB suit, spoke to the press during a call sponsored by The Federalist Society, a conservative legal think tank.
Francisco said as a result of the court decision, CFPB regulations could be challenged under the argument that Cordray's appointment was illegal.
Cordray was appointed on the same day as the NLRB officials and is the subject of a separate lawsuit challenging his appointment and the constitutionality of the Dodd-Frank Act.


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No Hidden Fees - No Credit Card Surcharges - Low Shipping Rates
Click here to download the Ammo Release Statement
In order for us to send ammunition for your order, we'll need you to send a signed copy of the Ammo Release Statement. Instructions are on the PDF document. Ammo is not returnable. We stock a wide variety of unique and specialized ammunition.Sorry, NO AMMO SALES to AK, HI or IL Click the caliber you need below or look at all the ammunition separately
Impact Guns is the gun shop for all your shooting needs. We offer a wide selection of firearms, including: handguns, shotguns, rifles, ammunition, rifle scopes and optics, as well as collectible machine guns and other NFA/Class 3 guns. Impact also services the needs of law enforcement and military with our wide variety of tactical weapons and accessories. Shop online through our 256-bit Secure Sockets Layer encrypted online gun store 24 hours a day!


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Horseback Riding Lessons Near South Bend Indiana
Great Fun! Hunters, Jumpers, Western and Dressage Welcome
Learn to Ride with Confidence and Comfort
Hunt Seat, Jumping, Western Pleasure, Equine Gaming Sports, Trail, etc., all riding disciplines are approached through solid principles. Our goal is a balanced, supple, forward, and cheerfully cooperative horse: desirable traits in any riding endeavor. We encourage our riders to pursue riding disciplines that are suitable for their skill level and horse's abilities. Jumping lessons are available to riders with appropriate skills and experience. Our goal is to help you develop skills necessary to realize your equestrian interests and potential.
Lessons with Tina Prout
Your horse or ours. We have lesson horses available.
Lesson duration 45 min. to 1 hour.
Lessons with Colleen Prout
Your horse or ours. We have lesson horses available.
Lesson duration 45 min. to 1 hour.
What are your riding goals? Are you looking for refinement of the skills you currently have or are you new to riding and looking for an enjoyable first experience? How may we help you?
Proper Hunt Seat Equitation
1. General position. The rider should have a light and supple seat and hands, conveying complete control, ready for any unexpected events.
2. Hands position. Hands should be positioned over and in front of horse's withers, knuckles thirty degrees inside the vertical, hands slightly apart and making a straight line from horse's mouth to rider's elbows. Method of holding reins is optional and bight of reins may fall on either side. However, all reins must be picked up at the same time.
3. Basic position. The eyes should be up and shoulders back. Toes should be at an angle best suited to rider's conformation: ankles flexed in, heels down, calf of leg in contact with horse and slightly behind girth. Iron should be on the ball of the foot and must not be tied to the girth.
4. Movement position. At the walk, sitting trot and canter, body should be a couple of degrees in front of the vertical; posting trot, inclined forward; galloping and jumping, same inclination as the posting trot.
5. Mounting and Dismounting. To mount, take up reins in left hand and place hand on withers. Grasp stirrup leather with right hand and insert left foot in stirrup, toe in girth and mount. To dismount, rider may either step down or slide down. The size of rider must be taken into consideration.
We offer the lessons for all riders in the following categories:
Beginning Equitation
In Beginning Equitation, the rider is instructed in the following: proper handling of the horse, mounting and dismounting, and correct body position. Control at the walk and trot is taught, including posting and two point. When the rider is ready, cantering will be introduced. In addition, students will learn horse colors, body parts, and proper terminology in Hunt Seat equitation.
In this lesson, students learn the following: safe handling of the horse and correct body position for optimal balance and jumping. Control at the canter and knowledge of leads are introduced at this time. Riders learn to jump a single jump, no higher than 18″. Additional terminology is also taught, including parts of the bridle and saddle.
Beginning Jump
In Beginning Jump, the same concepts are taught in Walk/Trot/Canter, but at a more advanced level. Riders learn to negotiate a course of jumps no higher than 18″.
Intermediate Jump
Basic skills introduced in previous levels are practiced at a higher level in Intermediate Jump. Correct leads and lead changes are introduced, while maintaining a controlled canter. Students learn to negotiate a course of jumps set at 2′.
Advanced Intermediate
Riders will advance to higher, more complicated jumps and be taught the more technical aspects of riding.


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Male Name - V - Vernon
Chinese Name for VernonTo download the Chinese Name for Vernon in six different styles, please order the name below. You can download the Chinese name right away after checkout (no shipping charge). See more info and samples of the Chinese characters here.
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Media invitation for 42nd INTERPOL European Regional Conference in Hungary
LYON, France – Senior law enforcement officials from throughout Europe will gather in Budapest, Hungary, from 14 – 16 May 2013 for the 42nd INTERPOL European Regional Conference.
The conference will focus on a range of international crime issues, including:
- trafficking in human beings and illegal immigration
- cybercrime
- maritime piracy
- organized crime and terrorism
- INTERPOL-European Union cooperation
The opening ceremony and speeches by INTERPOL President Mireille Ballestrazzi and high-ranking Hungarian officials will be open to the media on the morning of Tuesday 14 May.
A press conference will be held immediately after the opening ceremony, in which senior INTERPOL and Hungarian officials will participate, including INTERPOL Secretary General Ronald K. Noble and President Ballestrazzi.
While the rest of the conference will be closed to the media, there will be opportunities for interviews with specialist officers from INTERPOL. Press releases will be made available on the INTERPOL website www.interpol.int in addition to opening speeches.
Journalists wishing to attend the event should complete the official press accreditation form and send it by email with a colour photo (JPEG format) no later than Tuesday 23 May to Gáspár András,
Communications Service of the Hungarian National Police, e-mail: firstname.lastname@example.com
Journalists attending the opening ceremony must bring valid identity documents to the venue.


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Meta Search
search across all the following databases:
Data Catalog
Data and documentation
Common questions and answers.
Entire collection of data resources.
More census/citizenship articles
Deja vu: Citizenship question or not?
Data Visualization: Intro with Data
Data & Tools to study Global Inequality
PSC Data Catalog: Study Bibliographic Details:
|Access to Files:
|Data and Documentation
|World Fertility Survey, 1978 [Cameroon]: Standard Recode File
|Study Number:
|Catalog Date:
|Primary Investigator(s):
|World Fertility Survey (WFS)
|Access Restrictions:
|The World Fertility Survey (WFS) was established in 1972 as an international research program with three objectives: (1) to assist countries in acquiring scientific information that would permit them to describe and interpret fertility in their countries, (2) to increase the capabilities for fertility and demographic research at the national level, particularly in developing countries, and (3) to provide internationally comparable data on fertility for comparative researchers. The primary dependent variable in the WFS is fertility which is measured in number of events and the intervals between events. A set of mutually exclusive and exhaustive categories through which all forces affecting fertility must operate were gathered (Davis-Blake framework). Examples would be age at entry into sexual union, amount of reproductive period spent after or between unions, and coital frequency. Another set of variables are the explanatory variables: knowledge and attitude toward contraceptives, attitudes related to family size and sex preferences, socioeconomic and cultural characteristics and bio-social characteristics. The WFS has individual level data for female respondents. The specific sampling criteria vary from country to country. In a number of countries data have been collected on characteristics of households and communities.
|Women 15 to 54 years of age.
| by Title . by Number . Search . Browse . Help . Next |


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Soy, a type of legume, can be found in many products. On the grocery store shelves, you will see soy milk, tofu, protein bars, veggie burgers, and many other options. If you are interested in adding soy to your diet and wondering if there health benefits, then read on to find out if soy is a good option for you.
Soy and Cholesterol Levels
Some studies have found that substituting soy protein for high-fat meats and other foods may slightly reduce LDL (bad) cholesterol levels. Since high cholesterol puts you at an increased risk of developing heart disease, the United States Food and Drug Administration (FDA) allows a "heart healthy" label on foods that contain 6.25 grams (g) of soy protein. But, researchers do not know the exact components of soy that may lead to these benefits. And some experts are debating if this label is deserved at all.
Soy Safety Issues
While soy is considered safe for most people, there may be some health concerns if you have certain conditions, such as:
- Problems with absorbing certain nutrients—Soy could reduce how well your body absorbs zinc, iron, and calcium.
- Impaired thyroid function—Soy may affect the thyroid gland, but research has produced conflicting results. In general, if you have problems with your thyroid gland, you may want to avoid eating large amounts of soy.
- Lower testosterone levels—One study found that soy may decrease testosterone levels in men. This could potentially cause problems with infertility or erectile dysfunction.
If you are concerned about any of these safety issues, talk to your doctor before adding soy to your diet.
Ways to Get More Soy Into Your Diet
Here are some tips on substituting soy protein for meats and other protein sources in your diet:
Include it in other dishes:
- Mash a cake of tofu and use it in place of ricotta cheese in your lasagna, soups, or stews.
- Mix textured vegetable protein into hamburgers and seasoned meat dishes like tacos, chili, and casseroles.
- Add cubes of fried, seasoned tofu to salads.
- Try Asian cuisine—Japanese, Chinese, Thai, and Vietnamese foods often contain flavorful soy options, including tofu, tempeh, and edamame (green soy beans). Edamame is eaten cold and salted. Tofu and tempeh can be stir-fried, steamed, or added to soups.
- Use supplements and soy protein powders—Try mixing soy protein powders into smoothies or mashed potatoes.
- Soy nuts, flavored with salt and spices, make a delicious snack.
- Use soymilk in cereal.
Major Food Sources
- Reviewer: Michael Woods, MD
- Review Date: 05/2016 -
- Update Date: 06/11/2014 -


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The following sites provide useful data during tropical activity:
National Data Buoy Center
This site provides recent marine data (wind speed, direction, gusts; wave heights; air temps; and atmospheric pressure) from buoys and other observation stations.
National Hurricane Center
The NHC Tropical Prediction Center offers a wealth of information, including data on aircraft reconnaissance, as well as the latest satellite data. The site also catalogs all bulletins.
FEMA Storm Watch
Find out what areas have received emergency disaster declarations and link to state emergency management offices.
NWS Hurricane Awareness
This site offers solid hurricane awareness and preparedness tips, plus links to many more resources.
Central Pacific Hurricane Center
This site tracks storms that have potential for affecting the Hawaiian islands.
Hurricane Preparedness Week
History teaches that a lack of hurricane awareness and preparation are common threads among all major hurricane disasters. Learn your vulnerability and how to reduce the effects of a hurricane disaster.
Historical Hurricane Tracks
Information about some of the most notable hurricanes in history.
National Warning System
A list of warnings for hurricanes and other weather events around the country.
American Red Cross
Get information on disaster relief initiatives and where to go to get help.
Energy Star Hurricane Help
Tips and resources for being energy efficient while rebuilding your battered home.
Distributed by Internet Broadcasting. This material may not be published, broadcast, rewritten or redistributed.


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Friday, January 18, 2013 - Walter and Milan - FULL CONTACT
Latest Sets at MaleFeet4U.com
Our previews from malefeet4u.com today are Filip Pendrak and Paco Mlaticka. Two very nice looking guys indeed. You can see their full shoots at www.malefeet4u.com.
If you haven't recently checked out the foot site, now is a good time to do so, Franky as completely redesigned it.
Also, thanks for the photo and video suggestions for foot fetish shoots. Please keep them coming by writing firstname.lastname@example.com
|Filip Pendrak
Open Filip Pendrak MaleFeet4U.com Set
More about Filip Pendrak - MaleFeet4U.com ...
|Paco Mlaticka
Open Paco Mlaticka MaleFeet4U.com Set
More about Paco Mlaticka - MaleFeet4U.com ...
The End of William Higgins Newsletter


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Web Transmission - Watch Online
The Arctic Monkeys Web Transmission, recorded in July 2009, is now available to watch in full on the Arctic Monkeys Official Website. It can be found on the Videos Page and is running on the front page of the site.
Performing tracks from their 3rd album, 'Humbug' and a cover of Nick Cave & The Bad Seeds, 'Red Right Hand', click here to watch the full transmission.


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At 3 millimeters thin, Sony's XEL-1 OLED TV seems to float on the
air. The almost paper-thin display hovers ethereally mounted on a beam,
which is juxtaposed onto a thick pedestal base, which sharply contrasts the
screens thickness. The design of the device is very similar to the
"Anglepoise" Mac and very modern in design.
The 11-inch XEL-1 brings a
lot of innovation to the table at a relatively high price. The unit,
set to go on sale December 1 in Japan only, was unveiled on Sony Japan's
website over the weekend.
The device will cost ¥200,000, or around $1,744 USD -- about twice the price of
a 40" LCD TV in Japan.
Overall (base included) the device has measurements of 287×253×140mm and weighs in at 2 kilograms (4.4 pounds). It sports
a 1080p input resolution, though the screen resolution only measures 960 x 540, so it downscales the image to fit the screen.
One of its more impressive features is a sharp 1,000,000:1 contrast ratio and the 45W power consumption. According to Sony, this represents a 40 percent
power reduction over conventional LCD monitors.
Sony touts the device as a display revolution. They claim that the device
has very fast response times -- up to 1,000 times faster than LCD displays -- though
no test information was presented to support these claims.The XEL-1 also boasts superior color and brightness. The
brightness is due to the OLEDs' natural electroluminescence as well as
reflected light, which reflects off of "micro-cavities" within the
OLED. The end result, according to Sony, is a much brighter TV without
the need for backlights. The color is also superior and more natural
according to Sony. They explain that with flexible brightness, it is
easier to reproduce the full spectrum of colors than in a device which can only
be backlit or dark. In the past, OLED displays have been
crippled due to a relatively short lifespan compared to LCDs. The XEL-1
seems to have
this covered, with a declared 30,000 hour lifespan (roughly the
equivalent of watching TV eight hours a day for ten years). An average
LCD lifespan is 50,000 hours, so while slightly lower, the XEL-1 isn't that far
The device features some nice extras in terms of ports as well. It has an integrated digital TV tuner for Japan, USB, LAN
interface, one HDMI port, headphones plug and S-Force sound.
Despite its attractive features, Sony plans to limit its initial production to
2,000 units a month. In contrast, its LCD TV business sells over 10
million TVs a year.
There is no word from Sony, however, on if and when the
display will cross the ocean and reach the U.S. Given that Sony is heralding
the XEL-1 as the start of a new sector of its TV business, it is safe to say
its OLED displays will soon be coming to the U.S.


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Looking for camera accessories? Keen on photography and film, and looking to complete your creative arsenal? Whether youre a professional photographer or not, dooyoo will help you find all the photography and film accessories you may need. Whether youre looking for lenses, tripods, grips, screen protectors or cleaning tools, youll find it all right here in the dooyoo catalogue, and at extremely reasonable prices too. As well as being able to write your own reviews, read honest and no-nonsense reviews and get the best advice before making that purchase. Compare prices of photo accessories at a range of online shops and order them online at the cheapest possible price.
Camera protective cover
* Prices may differ from that shown


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Roll Over Image to Zoom
Collegiate Decal Pack
No longer available
- Overview
This sporty set is packed with school spirit. Root for the home team without damaging dorm room walls – each decal goes up and comes down with ease.
- Individual Sheet: 10" wide x 18" high
- Our peel-and-stick decal is easy to apply, reposition and remove.
- Decals make a fast, no-fuss alternative to messy paint and stencils.
- Self-adhesive backing removes without any surface damage.
- Made of vinyl.
- For best results, mount to a smooth surface.
- Decal comes in four sheets.
- Dimensions + Care
- Clean the surface using a soft sponge and lukewarm water with mild soap or detergent.
- Shipping & Returns
Please allow 2-3 weeks for delivery. Delivery estimate includes monogrammed and gift-wrapped items.
- Final Sale
Final-sale items, identified by a price ending in $0.99, cannot be returned. Once placed, your order for any final sale items cannot be canceled.


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Commercial, Multi-Family Mortgages Totaling $119 Billion to Mature in 2013
Eight percent or $119.5 billion of the outstanding balance of commercial and multi-family mortgages held by nonbank lenders and investors will mature this year.
That amount is down by 21% compared to the $150.6 billion that matured in 2012, according to the Mortgage Bankers Association's 2012 Commercial Real Estate/Multifamily Survey of Loan Maturity Volumes.
The loan maturities vary significantly by investor group, the MBA said.
Five percent or $16 billion of the outstanding balance of multifamily and health care mortgages held or guaranteed by Fannie Mae, Freddie Mac, FHA and Ginnie Mae will mature in 2013.
Life insurance companies will see 7% or $21.9 billion of their outstanding mortgage balances mature in 2013, the MBA said.
Twenty-one percent or $38.1 billion of commercial mortgages held by credit companies and other investors will mature in 2013.
Commercial and multifamily mortgages are generally long-term loans that span seven years, 10 years or longer, and each year since 2010, the volume of commercial and multifamily mortgages maturing in that year has declined, according to Jamie Woodwell, MBA's vice president of commercial real estate research.
The volume of loans maturing in 2013 and 2014 will mark cycle lows for loan maturities, each representing less than 8% of the outstanding balance of loans, Woodwell said, adding the relatively long-term nature of commercial and multifamily mortgage debt helped the market weather the recession and its slow recovery.
"During the recession, and even in more recent years, approaching commercial and multifamily mortgage maturity volumes were referred to as akin to a 'ticking time-bomb' that would overwhelm the real estate finance markets," Woodwell said.
The MBA's 2012 survey collected information directly from servicers on the years of maturity of $1.51 trillion in outstanding nonbank-held commercial and multifamily mortgages. The dollar figures reported are the unpaid principal balances as of Dec. 31, 2012, according to the association.
The MBA said because most loans pay down principal, the balances at the time of maturity will generally be lower than those reported here.


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We are an independent electric appliance repair company in Abbotsley.
Our services include:
With over 43 years repairing all brands of washing machines, tumble dryers, electric cookers, hobs, tumble dryers, dishwashers and range cookers you can be rest assured that your appliance will be in good hands. Please checkout our areas covered page to check that we cover your post code area and then either call us on 07931 382 713 or send us an email via ourcontact page.
Once you are happy with the repair we accept either cash or card, and all work is guaranteed for 6 months (not the normal 3 months).
If you wish to view my fixed prices just go to the rates page, should you wish to view a few of my many satisfied customers comments, feel free to read my testimonials below.