text:
On October 17, 2017, in response to an investigation concluding that title insurance companies and agents were spending millions of dollars a year in "marketing costs" provided to attorneys, real estate professionals, and mortgage lenders in the form of meals, gifts, entertainment, free classes, and vacations that ultimately were passed on to consumers through heightened title insurance rates, the New York Department of Financial Services ("DFS") issued Insurance Regulation 208, in which it identified a non-exhaustive list of prohibited inducements and permissible marketing expenses. The new rule went into effect on February 1 of 2018. Five months later, on July 5th, 2018, the New York State Supreme Court (the state's trial-level court) annulled the part of the DFS regulation addressing marketing practices, holding that any such rule must be issued by the state legislature, not a regulating agency. Continue Reading New York Court Annuls DFS Effort to Curb Unscrupulous Title Practices
HUD Seeks Public Comment on Disparate Impact Rule
On June 20, the U.S. Department of Housing and Urban Development ("HUD") published an advance notice of proposed rulemaking ("ANPR") that seeks public comment on whether and how to amend its 2013 rule under the Fair Housing Act ("FHA"). The ANPR follows HUD's May 10 announcement of its intention to formally seek public comment on the rule in light of the Supreme Court's 2015 decision in Texas Department of Housing and Community Affairs v. Inclusive Communities Project, Inc., in which the Court recognized disparate impact as a cognizable theory under the FHA, but imposed meaningful limitations on the application of the theory.
The ANPR, together with the statement of Bureau of Consumer Financial Protection Acting Director Mick Mulvaney this spring that the Bureau would be "reexamining the requirements of ECOA" in light of "a recent Supreme Court decision" (i.e., Inclusive Communities), signals that the Trump administration is likely seeking to retreat from the Obama administration's enthusiastic use of disparate impact liability in lending discrimination cases.
The Disparate Impact Rule and Inclusive Communities
HUD finalized its disparate impact rule in February 2013. The rule codified HUD's Obama-era view that disparate impact is cognizable under the FHA. In contrast to disparate treatment claims, in which a plaintiff must establish a discriminatory motive, a disparate impact claim challenges practices that have a disproportionately adverse effect on a protected class that is not justified by a legitimate business rationale. The rule states that a practice has a "discriminatory effect" where "it actually or predictably results in a disparate impact on a group of persons or creates, increases, reinforces, or perpetuates segregated housing patterns because of race, color, religion, sex, handicap, familial status, or national origin." HUD explained that it had "consistently concluded" that facially neutral policies that resulted in a discriminatory effect on the basis of a protected characteristic violated the FHA, and that the rule merely "formalize[d] its longstanding view." The rule also formalized a three-part burden-shifting test for determining whether a practice had an unjustified discriminatory effect.
At the time HUD issued the rule, the nonprofit Inclusive Communities Project, Inc. was embroiled in a lawsuit against the Texas Department of Housing and Community Affairs, in which it brought a disparate impact claim under the FHA. After HUD issued the disparate impact rule, the Texas Department filed a petition for a writ of certiorari to the Supreme Court on whether the FHA recognized disparate impact claims. In its 2015 decision, the Supreme Court held that disparate impact claims are cognizable under the FHA, but the Court articulated a rigorous standard for a successful claim. The Court did not explicitly address the merits of HUD's rule, nor did the rule form the basis of its holding. Continue Reading HUD Seeks Public Comment on Disparate Impact Rule
SDNY Finds BCFP Structure Unconstitutional, Breaking With DC Circuit
In a June 21, 2018 opinion, Judge Loretta Preska of the U.S. District Court for the Southern District of New York held that the structure of the Bureau of Consumer Financial Protection ("BCFP" or the "Bureau") is unconstitutional. This ruling is inconsistent with the D.C. Circuit's en banc decision in PHH Corp. v. CFPB ("PHH").
The case, CFPB v. RD Legal Funding, LLC, involves joint claims brought by the Bureau and the New York State Office of the Attorney General. RD Legal offers cash advances to consumers waiting on payouts from settlement agreements or judgments entered in their favor. The claims allege that the company defrauded 9/11 first responders and NFL retirees by misleading them regarding cash advances that were represented as valid sales but instead were loans made in violation of state usury law.
RD Legal argued that the BCFP's structure as an independent bureau within the Federal Reserve System violates Article II of the United States Constitution, as the Bureau's Director can be removed only "for inefficiency, neglect of duty, or malfeasance in office." In reviewing that claim, Judge Preska sided with one of the dissenting opinions in PHH. Specifically, she noted that she "disagrees with the holding of the en banc court and instead adopts Sections I-IV of Judge Brett Kavanaugh's dissent…, where, based on considerations of history, liberty, and presidential authority, Judge Kavanaugh concluded that the CFPB 'is unconstitutionally structured because it is an independent agency that exercises substantial executive power and is headed by a single director.'" Continue Reading SDNY Finds BCFP Structure Unconstitutional, Breaking With DC Circuit
Mulvaney's Bureau Issues Second Enforcement Action: Debt Collectors Beware?
Nearly seven months into Mick Mulvaney's tenure as Acting Director of the Bureau of Consumer Financial Protection (Bureau), the agency issued just its second enforcement action under his leadership on June 13, 2018. You may have missed it, as the press release was not pushed out through the Bureau's email notifications and the cursory press release may have flown under your radar. The settlement is with a parent company and its subsidiaries that originated, provided, purchased, serviced, and collected on high-cost, short-term secured and unsecured consumer loans. The consent order contains allegations of violations of the prohibition on unfair practices under the Consumer Financial Protection Act and of the Fair Credit Reporting Act, and requires the respondents to pay a $5 million civil money penalty. Notably, the consent order does not require any consumer redress, despite Mr. Mulvaney's stated intent to only pursue cases with "quantifiable and unavoidable" harm to consumers.
Debt Collection Practices
The Bureau alleges that respondents engaged in unfair in-person debt collection practices, including discussing debts in public, leaving the respondents' "field cards" (presumably identifying the respondents) with third parties (including the consumers' children and neighbors), and visiting consumers' places of employment. The Bureau alleges that these practices were unfair because they caused substantial injury such as humiliation, inconvenience, and reputational damage; consumers could not reasonably avoid the harm because consumers were not informed of whether and when such visits would occur and could not stop respondents from engaging in the visits; and any potential benefit in the form of recoveries were outweighed by the substantial injury to consumers. The consent order notes that respondent attempted 12 million in-person visits to more than 1.3 million consumers over a five-year period, and requires respondents to cease in-person collection visits at consumers' homes, places of employment, and public places.
The Bureau also alleges that the respondents made collection calls to consumers at their places of employment even after being told that the consumers could not receive calls at work, and called third parties in a manner that risked disclosing the debts. The Bureau further alleges that respondents did not heed cease-contact requests with respect to these parties. The Bureau alleges that such practices were unfair for the same reasons as the in-person collection practices described above.
Despite Mr. Mulvaney's emphatic rejection of regulation by enforcement, the debt collection allegations in this consent order center around practices that lack any formal rulemaking. First, it appears that the Bureau is applying the guidance issued in its December 2015 bulletin, regarding unfair, deceptive and abusive acts and practices (UDAAP), which notes that in-person debt collection practices at consumers' homes or places of employment can result in violations of the prohibition on UDAAP and the FDCPA due to the risk of disclosure of debts to third parties and the risk that such communications are at a time or place known to be inconvenient to the consumer. Second, the Bureau appears to be applying its July 2013 bulletin, which notes that prohibited practices under the FDCPA can be considered UDAAPs when employed by first-party debt collectors. Finally, the allegations suggest that the Bureau believes that debt collectors should inform consumers of their policies or practices regarding in-person collection visits despite no regulatory requirement to do so.
Credit Furnishing Practices
The Bureau alleges that respondents did not have in place any written policies and procedures regarding credit furnishing. The Bureau further alleges that the respondents furnished inaccurate information to credit reporting agencies, were slow to correct errors, overwrote corrected errors, and failed to furnish the date of first delinquency on certain accounts to credit reporting agencies. The consent order requires the respondents to consult an independent consultant to implement and maintain reasonable credit furnishing policies and procedures and to review all information furnished to a credit reporting agency since July 21, 2011.
More of the Same?
The settlement has many of the familiar trappings of the old Bureau in terms of the kind of conduct at issue and the corrective action required of the respondents (a Compliance Plan, etc.). But the consent order also reflects what appear to be new approaches to some issues. The consent order's description of how the respondents' actions were unfair, for example, is more fulsome than prior consent orders, including an acknowledgement that the collection tactics at issue may have a "marginal benefit in the form of more recoveries." While this suggests that Mr. Mulvaney's Bureau may be more thoroughly considering the third prong of unfairness (which requires a balancing of likely consumer injury with advantages to consumers or competition) than the previous leadership, the consent order still summarily concludes that the "marginal benefit" does not outweigh likely consumer injury. This conclusion is not supported by any empirical findings, notwithstanding Mr. Mulvaney's assertion that the Bureau will engage in more quantitative analysis and his establishment of an Office of Cost Benefit Analysis. Time will tell whether the move to empirical analysis will be limited to rulemaking or will make its way to the enforcement realm as well.
Additionally, despite the allegations of substantial injury from the debt collection conduct at issue, the consent order does not require any financial consumer redress or cancellation of debts for impacted consumers. While the Bureau has been inconsistent in this regard in its past debt collection actions, it has typically required such consumer redress. For example, in a prior action involving in-person debt collection, the Bureau required that consumers be refunded any payments made within 90 days of an in-person collection visit.
It is dangerous to read too much into any one enforcement action, but what does appear clear is that the Bureau's enforcement machinery is slowly creaking back to life after a near-freeze at the beginning of Mr. Mulvaney's tenure. Future actions will reveal whether he was serious about there being "more math" (i.e., quantitative analysis) in the Bureau's future and whether this action reflects a new approach to consumer redress.
Mayer Brown's Jaffe Presents ABA Webinar on eMortgages and eClosings
Mayer Brown partner Jon Jaffe will present at an American Bankers Association webinar on June 13, entitled "How Can Your Bank Compete in the Age of the Digital Mortgage? Industry Experts Explain." The webinar for ABA members is the first in a series intended to explore innovative mortgage business strategies in the age of "fintech." This session will provide an overview of the evolving digital loan process, from customer acquisition to electronic closing and beyond. Jon will address legal and regulatory issues arising in connection with eMortgages and eClosings.
UDAAP Strikes Again: The New BCFP Seems a Lot Like the Old CFPB
Last week, we wrote about how the Bureau of Consumer Financial Protection ("Bureau") under Acting Director Mick Mulvaney had surprisingly doubled down on claims of unfair, deceptive and abusive practices ("UDAAP") brought under former Director Richard Cordray in a case against a lead aggregator (back when the Bureau referred to itself as the Consumer Financial Protection Bureau). As if to prove the point that the Bureau is not backing off aggressive UDAAP claims, the very next day the Bureau filed a brief in another case similarly supporting novel UDAAP claims brought under Cordray. The Bureau's brief was filed in opposition to a motion to dismiss by defendants Think Finance, LLC and related entities. The case involves Bureau claims that Think Finance engaged in unfair, deceptive and abusive conduct when it attempted to collect on loans that were, according to the Bureau, void under state law. Continue Reading UDAAP Strikes Again: The New BCFP Seems a Lot Like the Old CFPB
CFPB to Eliminate Student Loan Office
The Office of Students and Young Consumers (Office of Students) has been an important component of the Consumer Financial Protection Bureau (CFPB or the Bureau) since its creation in 2011. On May 9, 2018, the CFPB's Acting Director announced plans to fold the Office of Students into the Office of Financial Education. The Student Loan Ombudsman, a position the Dodd-Frank Act created, will also reportedly be part of the Office of Financial Education. This move could signal a major shift in the CFPB's approach to the student loan market.
As its name indicates, the Office of Financial Education focuses on consumer education. Specifically, its stated focus is "strengthen(ing) the delivery of financial education . . . and creat[ing] opportunities for people to obtain the skills to build their financial well being." Given that mission, some have speculated that the recent movement of the Office of Students within the Bureau's Office of Financial Education may lead to fewer examinations, investigations, and enforcement actions against participants in the private student loan market. Continue Reading CFPB to Eliminate Student Loan Office
Meet the New Boss; Same as the Old Boss? The CFPB's Take on UDAAP Might Surprise You
Much has been written about Mick Mulvaney's statements about how the Consumer Financial Protection Bureau (CFPB) will no longer "push the envelope" when it comes to enforcement and no longer engage in "regulation by enforcement." But a little-noticed filing by the CFPB in the Ninth Circuit last month suggests that the CFPB is not necessarily scaling back its enforcement efforts with respect to novel claims under its authority to prevent unfair, deceptive, and abusive acts and practices (UDAAP). Continue Reading Meet the New Boss; Same as the Old Boss? The CFPB's Take on UDAAP Might Surprise You
Trump DOJ Settles its First Redlining Case
On May 8, 2018, the United States Department of Justice and KleinBank reached a settlement agreement resolving allegations that the bank engaged in mortgage lending discrimination by failing to adequately serve predominantly minority neighborhoods (so-called "redlining") in and around the Twin Cities of Minneapolis and St. Paul, Minnesota. The settlement resolves one of the only redlining investigations to ever land in court, and marks the Trump DOJ's first fair lending settlement.
DOJ filed its complaint against KleinBank on January 13, 2017, one week before the inauguration of President Trump, suggesting that the Obama administration's DOJ may have been concerned that the Trump administration would be disinclined to pursue fair lending cases aggressively. Given recent activities at the Consumer Financial Protection Bureau, this worry may have been well-founded.
The complaint alleges that, from 2010 until at least 2015, KleinBank intentionally avoided lending to residents of predominantly minority neighborhoods in the Twin Cities area because of the race or national origin of the residents of those neighborhoods. Specifically, the DOJ alleged that KleinBank carved majority-minority census tracts out of its Community Reinvestment Act assessment area, located its branch and mortgage loan officers in majority-white census tracts (and not majority-minority census tracts), and directed marketing and advertising predominantly toward residents in majority-white census tracts. While most targets of redlining claims have sought to settle the allegations in short order, KleinBank took the rare step of fighting the DOJ's claims in litigation.
Prior to the settlement, on March 30, 2018, the district court handling the case adopted a magistrate's recommendation that KleinBank's motion to dismiss be denied. The magistrate's report and recommendation are under seal, making it impossible to fully analyze the rationale underlying the decision. However, the court noted that contrary to KleinBank's contention, the government had sufficiently plead the intent element of a disparate treatment claim by, among other things, alleging that the bank intentionally drew its assessment area to avoid minority areas and intentionally avoided marketing to such areas.
Under the settlement agreement, KleinBank is required to open (and operate for at least three years) one new full-service branch office in a majority-minority census tract. Redlining resolutions that require banks to open branch offices are noteworthy considering the rapid increase in online banking activities and the cost associated with opening a full service branch.
The settlement agreement also requires KleinBank to invest $300,000 through a special purpose credit program to increase the amount of credit it extends in minority neighborhoods. Further, the bank must invest another $300,000 in advertising, outreach, financial education, and credit repair in order to "assist in establishing a presence in majority-minority census tracts in Hennepin County.
A few aspects of this agreement stand out. First, the DOJ's use of a settlement agreement rather than a consent decree is notable. Most DOJ cases are resolved using consent decrees, which are generally easier for the government to enforce. Second, many of the settlement agreement provisions are less onerous than the terms of other recent redlining settlements. For example, the agreement does not subject KleinBank to a civil money penalty, and provides for flexibility on the timing of the bank's advertising and loan subsidy obligations. This suggests that the Trump DOJ may be taking a more subdued approach to fair lending cases than did its predecessor.
Time will tell if the KleinBank settlement is a red herring or harbinger for more federal fair lending enforcement.
Congress Invalidates CFPB's Indirect Auto Lending Guidance
On May 8, 2018, the House of Representatives used the Congressional Review Act ("CRA") to vote to repeal the Consumer Financial Protection Bureau's (CFPB's) March 2013 bulletin addressing indirect auto lending and compliance with the Equal Credit Opportunity Act ("ECOA"). That vote follows the Senate's April 18 CRA vote to repeal the bulletin. President Trump is expected to sign the joint resolution (S.J. Res. 57) within 10 days.
In that bulletin, the CFPB (under the leadership of former director Richard Cordray) had stated that some indirect auto lenders may be subject to ECOA and Regulation B, and advised them to "take steps to ensure that they are operating in compliance" with those antidiscrimination principles. Most significantly, the bulletin noted that indirect auto lenders may have direct liability under ECOA for allegedly discriminatory pricing disparities. In an indirect auto lending arrangement, instead of providing financing directly to the consumer, the auto dealer facilitates financing through a third party. The CFPB bulletin stated that some indirect auto lenders have policies that allow dealers to mark up lender-established rates and then compensate dealers for those markups, which may result in pricing disparities on a basis prohibited under ECOA.
As explained in a prior Mayer Brown Legal Update, the CRA allows Congress to pass a resolution of disapproval of an agency rule within 60 legislative session days of the rule's publication. Such a resolution, if passed by both houses of Congress and signed by the President (or passed by a two-thirds majority in both houses to overcome a presidential veto), invalidates the rule. The CRA allows Congress to use expedited procedures that effectively prohibit filibusters in the Senate.
The 60-day clock for introduction of a disapproval resolution in Congress begins on the "submission or publication" date of the rule, which the CRA defines as the later of the date on which Congress receives the agency's report related to the rule or the date the rule is published in the Federal Register, if it is published. Although the CFPB issued its indirect auto lending bulletin more than 60 days ago, the CFPB did not submit to Congress a report on the bulletin or publish it in the Federal Register, so arguably the 60-day clock did not begin in 2013.
Upon signing this resolution, President Trump will have used the CRA to invalidate 16 agency rules. Prior to the Trump administration, the CRA had been used only once to invalidate a rule. However, this resolution marks the first time Congress has used the CRA to invalidate agency guidance. Previously, Congress had used the CRA only to repeal rules that the respective agencies viewed as legislative rules or regulations subject to the Administrative Procedure Act's notice-and-comment requirements. Unlike those legislative rules, the CFPB's indirect auto lending bulletin is informal guidance that, as the Government Accountability Office ("GAO") concluded, "offers clarity and guidance on the Bureau's discretionary enforcement approach." Nonetheless, the GAO found that the CFPB bulletin qualifies as a "rule" subject to the CRA. The GAO has responded to requests from members of Congress to opine on the status of agency issuances by consistently noting that the scope of the definition of a rule under the CRA is broad. In a 2012 letter, the GAO explained that the "definition of a rule has been said to include 'nearly every statement an agency may make.'"
If the CRA is available to Congress to invalidate agencies' non-rule guidance that was not reported to Congress or published in the Federal Register, it is unclear what, if any, timing boundaries apply. This novel approach could implicate a large swath of informal agency guidance issued since the CRA's passage. Further, a CRA disapproval extends beyond the rule (or non-rule guidance) itself, and prohibits the agency from issuing any rule that is "substantially the same" as the invalidated rule, absent subsequent statutory authorization.
It is unclear, however, what this means in the context of agency guidance. If agency guidance is an interpretation of existing statutes and regulations, and Congress repeals only the guidance/interpretation, but not the existing statutes (or regulations, if applicable), it is possible that an agency could simply attempt to return to its initial stance (for instance, a CFPB director could possibly refocus on indirect auto lenders, using an approach similar to that announced in the CFPB's 2013 bulletin). Certainly, the actions of Congress under the CRA do not protect entities from scrutiny by the Department of Justice, the Federal Trade Commission, or the states, which also have enforcement authority under ECOA, or from private plaintiffs, who have a cause of action.
In any event, Congress definitely has clarified that it is willing to use the CRA to invalidate both agency regulations and informal guidance, and it remains to be seen which additional Obama-era regulations or guidance documents may be the CRA's next victim.


text:
Shoppers at Ibn Battuta Mall and Mall of the Emirates were left frustrated as many ATM machines failed to dispense cash.
Several ATMs at Ibn Battuta Mall were without power or were inaccessible in locked bank kiosks, while cash machines at Mall of the Emirates displayed messages saying they were not dispensing, the paper said.
Dubai malls reported large numbers of shoppers from across the country during Eid al Adha when banks have been closed and apparently not been able to respond as quickly as usual to complaints from customers about malfunctioning ATMs.
The ATMs of National Bank of Dubai, Commercial Bank of Dubai and Barclays in Ibn Battuta mall were reportedly out of order for several hours on Monday before being fixed. And RAK Bank and HSBC had closed off their small banking kiosks during the holiday, preventing customers from reaching the ATMs inside.
Several ATMs at Mall of the Emirates were empty and without reserves, and they remained un-replenished during peak shopping hours, according to employees.
"They're usually out of cash during the holiday season," said a customer service representative at the mall told the paper. "Every minute there's a person withdrawing cash, so you can understand why this happens."

subset: commoncrawl


text:
Call for cut in working week to boost overtime earnings
Call for cut in working week to boost overtime earnings
By Jonathan Riley
WITH the annual agricultural pay negotiations set for Mar 17, farmworkers leaders are demanding a cut in the basic working week from 39 to 35 hours.
Barry Leathwood, head of the Transport and General Workers Union rural sector, said that this would bring the UK working week in line with working hours in other EU member states and would help to improve wages by boosting overtime.
"Farmworkers need this boost because wages in the UK are currently among the worst in Europe," he claimed. "Only Greece and Ireland have a lower wage than our basic £160.85 a week.
"And, when compared to the average of £335 for manual workers in other UK industries, even farm craftsmen grade wage rates of £248 a week are unacceptably low.
"Thats why we are calling for a minimum agricultural pay rate equivalent to the national average earnings for manual workers in our 1998 pay campaign," said Mr Leathwood.
He also insisted that MAFFs estimate of a 37% fall in farm incomes during 1997, should not affect pay negotiations because employers had enjoyed a six-year period where incomes had risen by 148% while farm workers had seen less than a 10% rise in wages.
But NFU chief economist Sion Roberts argued that farm wages had risen consistently above the inflation rate during this period, while employers had suffered a wildly fluctuating level of returns for their businesses.
And he explained that comparing the agricultural minimum wage with an average for manual workers, was unrealistic. "To date, agriculture is the only industry to have set a minimum wage. At £4.12/hour it does fall short of the average for manual workers, but it is in excess of the £3 to £4 rate being mooted as an acceptable national minimum wage," he said.
He also warned that profitability would be hit severely by a reduction in the working week.
Mr Roberts calculated that every one-hour reduction in the working week added at least £11m to wage bills for full-time workers alone. When part-time and seasonal workers were added, bills exceeded £20m for each hours reduction.


text:
So you're ready to upgrade from your phone camera. You know you want a DSLR, but you have no idea where to begin. Well, let us walk you through what we think you'll actually need (and use) when getting started taking photos of your kids.
You don't have to spend a fortune, but remember that camera equipment, especially the core pieces, are always an investment. I'm a huge fan of quality over quantity. I'll take a few, high quality, key components over a pile of camera gear I'll only use a handful of times any day. From one mom to another, this guide is meant to give you a starting point for useful, quality equipment that you'll use everyday to photograph your kids. Because let's be honest, the last thing we need in the house is more junk to trip over :)
1 | A DSLR camera
Shooting in manual mode is what gives you full control over your images. There are tons of options to consider, so we've got you covered with our DSLR camera guide.
2 | A lens for your new DSLR camera
To say there are a ton of lenses to choose from is an understatement. It can be seriously overwhelming when you start learning about all of your options. Just know that less is more when it comes to starting out with lenses. You can purchase a ton of lenses before you get started, but as you learn you may find that you prefer something totally different. Don't be afraid to wait. And don't waste your money.
Often times your camera comes with a 'kit lens'. If so, you can make that work, but I highly recommend investing in a basic 50mm prime lens as well. As you start learning more about the exposure triangle and apertures, you'll come to really appreciate the 50mm lens. This lens is great because it has fabulous aperture options to give you beautiful, blurry backgrounds - something that's a bit harder to achieve with basic 'kit lenses'.
Canon 50mm f/1.8
Canon 50mm f/1.4 (A slightly nicer version of the same lens)
Nikon 50mm f/1.8
Nikon 50mm f/1.4 (Again, a slightly nicer version of the same lens)
Check out our complete lens guide here.
3 | A couple of memory cards
I'm always trying to look for the path of least resistance when it comes to photographing kids. Sometimes it's hard enough to remember to bring the camera or even pick it up - don't let lack of memory space hold you up. I always recommend having at least two memory cards, that way you can have a backup on hand if you run out of space on one. It's also nice if you haven't had a chance to transfer one of your cards to your computer yet. Don't let not having memory card space stop you from taking photos!
And along the lines of quality over quantity - keep in mind that all memory cards are not created equal. I highly recommend sticking with the name brand cards. There is nothing worse than seeing 'file corrupted' when you go to transfer your cards!
Depending on the type of camera you choose, you'll need either an SD or a Compact Flash card. You can purchase either in a variety of storage sizes. I recommend the ones below.
4 | An extra battery
Just like with memory cards, I always recommend having at least two batteries. This way you can always have a fully charged backup ready to go. Don't let not having battery power stop you from taking photos!
And similar with the memory cards, not all batteries are created equal. I always recommend sticking with the battery your camera manufacturer makes. You might be able to find an off brand battery a bit cheaper, but you'd be replacing your entire system if that battery every backfires on you.
5 | A software program to process images on Your computer
I know most people assume Photoshop when they think of editing photos, but my software of choice is always Adobe Lightroom. And thank goodness, because it's much cheaper! It offers everything you'll need - and more.
Don't be tempted to purchase presets or actions right away. Once you learn to use Lightroom, you'll be able to make all of your own edits and make your photos look exactly how you want them - without wasting your money on things you don't need.
6 | Lessons on how to actually use your camera!
What good is investing all of this money into a nice camera if you're not going to learn how to actually use it to its full potential? All the fancy equipment in the world isn't going to make you a better photographer if you don't know how to use it. Make sure you budget in not only money, but time, to learn how to actually use your new toys.
I'd love to join you on your journey… For more information on learning alongside of me, check out the Full Circle Photo School here.
If the first 6 are the basic components that we feel you MUST have, the following are like the icing on the cake. Totally not necessary, but definitely nice to have. You may want to purchase them now, or just save up for them in the future.
7 | Flash
Indoors, especially at night, it's always nice to have a flash on hand. Even if your camera has a flash built in, you'll find that the images it captures are less than ideal. Having control of where your flash points makes all the difference in the world.
Canon Speedlite 430EX
Nikon SB-700 AF Speedlight
Neewer TT560 Flash Speedlite (A very affordable option for an off-brand external flash)
8 | Consider expanding your lens collection
Now is when you can start prioritizing other lenses. But I literally wouldn't purchase anything but a 50mm lens before this point. Check out our lens guide to learn all about your options and decide which lenses fit your style best. And you might want to start a monthly line item in your budget to save up as well :)
As always, I encourage you to do your research and set a realistic budget. You may even find that it's worth saving up for a bit to make sure that you have the gear you actually want before you compromise too much. It is my hope that you use your camera everyday and that you capture your family's legacy through this device. Buy your camera. Learn to use it. Then carefully consider what you'll add to your camera bag next. The more you learn about photography, the more you'll learn about what you might actually use to complement your photography style and your family's lifestyle.
This post contains affiliate links, which are no extra cost to you. If you make a purchase using one of these links Full Circle Photo Project earns a commission to further its mission of empowering moms behind their cameras.


text:
In his most recent action, Gaines came off the bench to put up big numbers. He scored 21 points with 8 assists, 2 rebounds, and 5 steals. He shot 8 of 15 from the floor, and had just one turnover.
Sundiata has his familiar look, sleeved arm and all, in the attached video.


text:
The blockade of environmentalists, farmers and residents in Boggabri, protest the likely expansion of an existing coal project.
BOGGABRI farmers, residents and environmentalists blockaded Leard Forest Road last week, angry that a massive expansion by Japanese-owned Idemitsu for its existing Boggabri Coal project is likely to proceed, while Aston Coal's Maules Creek proposal has received a tick from the Planning Assessment Commission (PAC).
Idemitsu Australia, a subsidiary of Japanese company Idemitsu Kosan, wants a 21-year extension of Boggabri Coal, closing Leard Forest Road and doubling coal production from 3.2 million tonnes per annum (mtpa) to 7mtpa in a $350 million development.
Maules Creek Community Coun-cil (MCCC) spokesman and cotton farmer Peter Watson said locals were at the end of their tether.
He said the community felt their appeals to the mine and State government against the expansion had been ignored.
The Department of Planning is yet to determine both the Boggabri Coal expansion and the separately owned Maules Creek project, which seeks to extract 13mtpa in a 21-year open cut mine.
"Protest was the only option left open to us; we've tried every other avenue," Mr Watson said.
The Land


text:
It looks as though Jigsaw has failed to impress critics... as it fails to reinvent the Saw franchise.
As 'Jigsaw' approaches, we ponder whether it's really possible to rejuvenate a horror series after an extended break.
It looks as though Jigsaw is back in a brand-new Saw movie... but has he really returned?


text:
Best Book Fantastically FlawedNow you can Read Fantastically Flawed with detailed description:
I am a child, innocent, spirited, and full of life. The world I live in is a magical place. I am strong. I am safe. I am complete.
There is another girl inside of me. She is broken. Nothing is certain in her world. She is frightened of the screaming but terrified of the silence.
I take her by the hand and together we grow, we struggle but we survive. We are two separate beings and one in the same.
I am fearless and afraid.
I am content and I am restless.
I am undefined, a contradiction in terms.
I am all things and none as I stumble through this life gracefully, a mere human, fantastically flawed...
My name is Nichole McCallister and I survived a horror no woman should ever face. I locked myself behind walls tall and strong and the only man who could help me break free of them coveted a darkness all his own.
Welcome to my journey.
These days, you are able to see that hundreds a large number of people in search of free book Fantastically Flawed book's reading it on their sweat property with internet connection. Possibly be happy, you may reach tens of thousands of satisfied members exactly who became fed up with waiting for book within the mail, and anyone can reading Fantastically Flawed. You can obtain new books on the web books, and acquire books in each of our site. It really is fast, easy, best of all to test.
... Read Online Fantastically Flawed ...
Related Books :
Digging for victory The Economist WIDE as the gulf often is between a country's economic potential and its citizens' prosperity, it is rarely as gaping as in the Democratic Republic of ... Grace of Monaco review: 'fantastically silly' - The Telegraph Nicole Kidman's talents are wasted in this deeply flawed biopic of Grace Kelly Hyperbole and a Half: Unfortunate Situations, Flawed ... Hyperbole and a Half: Unfortunate Situations, Flawed Coping Mechanisms, Mayhem, and Other Things That Happened Paperback October 29, 2013 Fascia Science Review - PainScience.com A detailed critical analysis of the relevance of fascia science to massage therapy, health, and healing Vizio P series: Good and cheap but flawed 4K TV video - CNET The highly anticipated Vizio P series is among the cheapest 4K TVs available and delivers a very good picture, but flawed video processing prevents it from achieving ... Why I'd Recommend The Flawed Peugeot RCZ R Over The ... Why I'd Recommend The Flawed Peugeot RCZ R Over The Superior Audi TT . Before our Peugeot RCZ R left CT Towers, we chucked it in at the deep end to see if it really ... Neo-Tech/Zonpower Home Page Discover Your Future of Riches Your Rendezvous with Pax Neo-Tech 13,000 Comments 13,000 Comments Pure Beauty Rising C'est Si Bon. Wikipedia vs Neo-Tech Alice: Madness Returns Review - IGN Alice: Madness Returns Review A memorable peek through a flawed looking glass. Hyperbole and a Half: Unfortunate Situations, Flawed ... : Hyperbole and a Half: Unfortunate Situations, Flawed Coping Mechanisms, Mayhem, and Other Things That Happened eBook: Allie Brosh: Kindle Store Passer rating - Wikipedia, the free encyclopedia Passer rating (also known as quarterback rating, QB rating, or passing efficiency in college football) is a measure of the performance of passers, primarily ...


text:
Health care accreditation firm URAC has announced a search for a new leader and revisions to its claims processing accreditation standards.
Alan Spielman, president and CEO, will leave the Washington-based organization on February 15 after seven years of service. With many goals met or within reach, URAC is well-positioned to serve the industry as health care reform provisions are implemented, he said in a statement. "As a result, I have decided that now is the time for me to move on to new pursuits." The board has created a search committee for a new leader.
To better align with provisions in the health reform law, URAC has split its claims processing accreditation program into two separate programs. One program is for organizations that process claims but do not handle clinical review and appeal functions, such as third-party administrators and pharmacy benefit managers. The second program is for claims processors that also have claims review and appeals business operations, such as TPAs, health plans and health plan vendors.
URAC also has expanded claims processing security requirements to include having a security officer, a security management process, written business associate agreements, access and audit controls, interoperability and risk assessment analyses with pre-implementation testing, and breach handling duties.
Register or login for access to this item and much more
All Health Data Management content is archived after seven days.
Community members receive:
- All recent and archived articles
- Conference offers and updates
- A full menu of enewsletter options
- Web seminars, white papers, ebooks
Already have an account? Log In
Don't have an account? Register for Free Unlimited Access


text:
A week ago. I search for information on the All Smiles Chocolate Gift Basket, so i would like to bring a story to tell.
All Smiles Chocolate Gift Basket
This is a cheerful candy bouquet bursting with over 10 different types of traditional snack-size candy bars such as Snickers, Crunch and Reese's Cups, just to name a few. Red and green hard candies, as well as tootsie rolls, sweet tarts, smiley bubble gum and a smiley game finish out this fun gift. Measures 16 tall x 13 wide. Read more
Compare stores: Here
It's imperative to spend less in today's financial system. We should be very careful with funds, but we are able to easily nevertheless always maintain store shopping. You can find everything you need for a lot less when on the internet. Please keep reading to discover getting the very best more knowledge about thrifty shopping on the net.
Tags: grocery & gourmet food


text:
1 Cup flour
1 stick margarine; softened
1 Cup pecans, chopped
1 Cup Cool Whip
1 Cup Confectioners Sugar
1 8oz Cream cheese
1 3oz each Chocolate & Vanilla instant pudding
3 Cups milk
3 Cups Cool Whip (additional)
Crust: Mix all ingredients well. Spread into a 9x13 pan. Bake at 350 for 20 min. Cool.
Filling: Mix 1 cup cool whip, sugar, and cream cheese. Spread over cooled crust. Mix puddings with milk. Let set for a few minutes to thicken. Pour over cream cheese layer and top with remaining cool whip. Very yummy!
Friday, April 2, 2010
Mississippi Mud Pie
Subscribe to: Post Comments (Atom)


text: tag:blogger.com,1999:blog-4123236977778997799.post3649658938110430061..comments2018-06-14T07:44:25.115-04:00Comments on Jerry's Digiscoping Page: Digiscoping: Post-processing - WorkflowJerryhttp://email@example.com:blogger.com,1999:blog-4123236977778997799.post-79233387791551483692010-02-18T18:09:33.542-05:002010-02-18T18:09:33.542-05:00Jerry- I understand your presentation- however, th...Jerry- I understand your presentation- however, the more you digiscpoe, or even spend most of your time birding observing through binos, or a scope, the more you are setting limits on what is out there to be observed.<br />I am talking specifically of hawk watching. You will never understand that Northern goshawks are moving into cities and suburbs, and have been doing so for many years. This raptor is usually always observed in the sky, and very seldom perched, is one of the most exciting raptors to observe.I have 16 years of continuous observations of goshawks while living in Southern CA, Coastal Washington, many areas of East Texas, and many areas of Southern AZ. I will try and adapt my scope and camera to a shoulder stock and try and garner some verification photos of Northern goshawks. Nelson Briefer - Goshawk specialist- Tucson and Anacortes, WA.Nelsonhttps://email@example.com:blogger.com,1999:blog-4123236977778997799.post-84862432506863580252009-09-06T02:25:54.543-04:002009-09-06T02:25:54.543-04:00this is another great blog post - seems I missed i...this is another great blog post - seems I missed it last year when you originally posted it. it certainly pays to come by here every now and again and wander about to see what I can see...Dale Forbeshttps://email@example.com


text:
Absolutely gutted to hear that guitarist Jack Rose has died.
A heart attack, appararently. He was only 38.
Many of you probably won't have even heard of him, but take my word for it that he was a fine, fine guitarist...it ain't hype to say that he had the potential to be one of the greatest of his generation.
He made a split record a little while back with some pals of mine. And a zillion great vinyls and CDs on his own. Like I said, a major talent - even though you might not even heard of him. Check his stuff out if you haven't already.
To be cut down like that before he'd even really hit his prime, well...
Here he is playing in Falmouth, down in the depths of my spirtual homeland Cornwall (one of a handful of adventurous US sub.alt.acts who've started venturing down there to play in recent years).
Go, Jack, go!
Postscript: just in from Cory at Three-Lobed Records, who puts it far better than I ever could:
"...our dear friend Jack Rose has passed away...Jack was a warm, caring person and was always a pleasure to be around. His larger than life spirit will truly, truly be missed even more so than his inspired musical ability. Our deepest sorrow goes out to his wife."


text:
Danny, a paraplegic superathlete we nicknamed "Jersey," had driven down from the Garden State with a three wheeled bike
Danny, a paraplegic superathlete we nicknamed "Jersey," had driven down from the Garden State with a three wheeled bike he pedaled with his arms.
NFL commissioner Roger Goodall, second from right, speaks during a fan forum at the Denver Broncos indoor training facility, Thursday, Aug.
Can do free speech on their own time. On February 8, 1936, the first NFL draft was held at Philadelphia's Ritz Carlton http://rayamembrane.com/2017/11/21/nfl-officiating-developmentthe-nfl-launched-its-football-officiating-academy-in-2010-pro-bowl-compensationplayers-on-th/ Hotel.
Gilmore, a native of South Carolina, spent his career with the Bills after they drafted him 10th overall in the 2012 NFL Draft.
We make an effort to protect discussions from repeated comments either by the same reader or different readersWe follow the same standards for taste as the daily newspaper.
The Jets gave a nod early to future hall of famer LaDanian Tomlinson, as he was designated the starter even though he wasn't going to be much of a factor due to having the flu.
He once gained 298 yards and scored four touchdowns against Syracuse and had 278 yards in a game against Army. Matt Ryan's stats are testament to that. replica swingman jersey
19, 2017. And if watching alone is inevitable, she american basketball kits advises wrapping yourself up in a blanket. Analysis: Chargers got a really good wide receiver in Mike Williams in the first round, and now get the best guard in the draft.
Not only was Hill on the field for just 41 percent of the Chiefs' snaps last year, he was far from dominant in college in one season each at Oklahoma State and West Alabama, he combined for 725 receiving yards, with four touchdowns, and 771 rushing yards, with two touchdowns..
Roosevelt nominated Picard for United State District Court. The play was reviewed and upheld, and then Cooks brought in the two china jerseys point conversion to make it a three point Patriots lead..
Here I refer not simply to the penalty exacted by law, but buy basketball jerseys online to the penalty exacted http://s239546229.onlinehome.fr/stgeorge/?p=1038 by the profession itself. Your savings have dwindled down, you've delayed putting that big house up for sale, and your credit cards are maxing out.
However, the answer. I thought this was the NFL, seems more like high school to me. You see, because reservations are supposed to be sovereign territory, that means that if a minor commits a felony, they get put in the federal system..
But every time he walks on stitched football jerseys stage and opens his mouth? The NFL commissioner responded to Saturday morning boos by saying: "C'mon, bring it on" and motioning with his arms for more noise.
Tebow's favorite biblical verse is John 3:16. Those include prioritizing Criminal Justice Reform and Police/Community Relations Engagement.
In Sunday morning tweets, Trumprenewed his criticismof the protests, slamming the league ratings and on field football jerseys saying players should be fired or suspended for such protests.
It's called respect for our country.". When I see the film, I see how the coaches try to make mismatches for him like they do for me at USC.
Because of the large viewing audience buy authentic football jerseys and popularity of the NFL, cameramen who shoot NFL games http://www.cheapnhljerseys.cc/ can expect salaries on the higher end of this range..
Presumably, the larger lobsters get, the more competition they face for food wholesale jerseys resources and the more attention they'll attract from predators.
With the popularity of sports jerseys growing dramatically over the past decade, so have the number of fake or counterfeit jerseys being offered as authentic.
I cut it into strips and hot glued them together on both sides and then hot glued them onto my foam. Jets (5 5); 21. Foles most memorable story came when he played for Reid last year in Kansas City.
As "Raffa the Gaffa" explains, "Every year before the draft the last place team will stand for one minute and all the league members launch tomatoes at him.".
Each team is scheduled to play u basketball custom uniforms six mid week games between Oct. Jason is now insisting that we set a time when "the three of us can talk," which means he will lecture her about where she is wrong.
Has a right to protest, but we don believe it should be directed at our flag or national anthem which represents all those that have served to provide us with the freedoms we enjoy today.
Hudson bodied safety Jonathan Cyprien downfield after Carr found Marshawn Lynch in the blank jerseys flat for an eventual 16 yard gain.. He stuck with the Stampeders that season and went throwback football jerseys on to be named the CFL most outstanding rookie.
Pauses, then adds: to stay healthy, though. NFL Network broadcasts a select number of full games while NFL RedZone switches between live concurrent games during moments that teams have a high possibility of making a scoring play, as well as scoring plays that have already happened..
Quote of the Day II with Tottenham this year, I think they ought to pay Harry Kane and I think they're going to surpass Chelsea in the Premier League." Vikings general manager Rick Spielman in http://www.sologlobaltracker.com/my-main-concern-about-a-franchise-over-here-is-the-prospect-of-it-failing-thats-the-very-representation-of-what-we-sta/ answer to a question that was actually about his team in 2017.
"I believe it is important for Danes to look at other people. But Los Angeles Chargers owner Dean Spanos, Atlanta Falcons owner Arthur Blank, New York Giants owners John Mara and Steve Tisch, Miami Dolphins owner Stephen Ross, Indianapolis Colts owner Jim Irsay, Tennessee Titans controlling owner Amy Adams Strunk and San Francisco 49ers owner Jed York were among the league power brokers who issued condemning statements through their clubs..
Won have 12 weeks worth of uniforms. 28, 1975, the Vikings were hosting a first round playoff game against the wild card Cowboys, and were winning 14 10 in the final half minute, when Roger Staubach threw a 50 yard pass to Drew Pearson for the winning touchdown.
So a couple of times I've been able to scare myself. Even sale of urea was higher by 10 percent. Now, tens of thousands of Hoosiers will be left with few options on the exchange, and some counties may be left with no options at all.
The daily "NFL Live" show will expand to 60 minutes from 30. In past 10 on road vs. Grade: B+. Games stream from multiple Web sites and they all offer different options for users.
I think that custom basketball jerseys cheap (shows) his approach and how he goes about it.Not much else has changed with Matthews since. Baltimore Ravens CB Marlon Humphrey (Alabama) 17.
He says people agree with him.. You were doing your part celebrating each other based on skills, talent and a joint vision without regard to color and religion.


text:
Let us first discuss just what reinforcement is. There are only a handful of banner finishes which can actually be reinforced; here is a list of how we recommend each one be done:
Now that you know what you've always wanted to know, use these rules of thumb to decide whether or not you need reinforcement at all.
Arash EjtemaeeChief Banner Problem Solver


text:
It wasn't a happy ending for a massage parlor that allegedly rubbed people the wrong way in tony Fieldston and Riverdale in The Bronx.
Police have padlocked New Healing Touch, the massage parlor that was home to several recent prostitution busts and located between two of the neighborhoods' most-revered institutions —the Ivy League prep school Horace Mann and the Van Cortlandt House Museum.
Two women were inside the establishment Wednesday night when police showed up to shut it down under the city's nuisance- abatement laws, sources said. No one was arrested.
The owner of New Healing Touch has denied his employees did anything illegal, saying that one worker misunderstood an undercover cop's request for a hand job and agreed to take $20 extra because she thought the cop requested a hand massage.
State Sen. Jeffrey Klein and Assemblyman Jeffrey Dinowitz, who led efforts to shut down the parlor, have introduced legislation to boost penalties for massage shops promoting prostitution.


text:
A New Year's Eve tradition was started after Gabe was born. My dad and step mom came up for New Year's Eve, which was almost 4 mths after Gabe was born. Shane and I had not been out together since Gabe was born, so they came up to let us go! It has since become a tradition that they come up every New Year's Eve and babysit for us!! What a WONDERFUL tradition, because everyone knows how hard it is to find a babysitter for NYE. Well this year they had an opportunity to go to Colorado for the week, so of course they went! We decided we would have a little party since we couldn't go out ourselves and I couldn't imagine not going to or having a party for NYE! We invited our friends and their kids over for a NYE Party at our house. Gabe is always mad when we have "adult" parties and he has to go to bed or stay with a babysitter, so we decided to have a party for the kids! They dressed up in khakis and put Shane's ties on with tshirts! I dressed up and Chase helped me put the shiniest makeup, brightest red lips and shiniest jewelry, which he did! I had on 2 bracelets (one as an arm cuff) and 2 flashy rings! Our friends came over and the kids made their own pizzas, ate cookies and played Wii. We turned all of our clocks forward from the actual time 5:30pm to 9:30pm and let the NYE countdown begin...so when it was 11:57 (really 7:57) the kids were in their pjs, we all ran outside blowing horns, and shot poppers! Then of course the kids had to go to bed because it was MIDNIGHT! (or 8pm). The kids had a GREAT time and were so pleased to attend an "adult" party!!
Gabe, Lauren, Chase and Gavin ready to party!
My "fancy" boys ready for the party!
Chase and Gavin in matching Speed Racer PJ's that Gav brought over for the sleepover!
Saturday, January 3, 2009
2 comments:
- Katie said...
What a cute idea!! Your boys are adorable!!
- January 6, 2009 at 9:50 AM
- Naomi said...
Ok, that is seriously a great idea. You should have invited me - I go to bed at 8pm too!
- January 6, 2009 at 4:36 PM
Subscribe to: Post Comments (Atom)


text:
Short Description
Short description is empty for this repo.
Full Description
n00b here, just getting started with Docker.
This is (hopefully) an image that you add to any existing (Maven-built) runnable .jar project. Maven-built package should be found at target/app.jar (i.e., use
in your pom.xml).
This image starts FROM vettl/amazon-linux:2014.03, RUNs rpm to install the Oracle JDK 8u20, then sets up the ONBUILD. All you should have to do is use this in the FROM line of your Dockerfile, which should appear right next to the pom.xml. The docker build then should ADD the file from target/app.jar, and run it as the ENTRYPOINT using /usr/bin/java -jar.
Docker Pull Command


text:
30 hand picked films. A new one every day
The film shows how agricultural labourers in Valle del Cauca, Colombia, harvest a field of sugar cane using machetes. The hypnotic rhythm of the timeless (yet rapidly disappearing) handiwork is masterfully reflected in the making of the 16mm film.
It's a strong experience to watch this doumentary, because the camera forces you to look at the men doing their daily work. Furthermore, in keeping the changes of the scenario unpredictable Guerrero creads a certain kind of tension.
One of the best slow films I have seen in a while. Stunning photography and a leisurely pace make for a wonderfully contemplative film experience.
This film made me realise that a static camera forces a viewer to think and feel, whereas a constantly moving camera does the thinking and feeling for you. I could really feel the heat and also could appreciate how those clean clothes must have felt at the end of the shift !
the observational piece, shot with great discipline, and without trying to eXplain much is a really beautiful piece. The director maintains a distance and is editing the film with the rhythm evocative of the action being done. The use of music, at least in the beginning was a bit annoying but it all comes together eventually. The patience in the filming and editing is commendable.
I don't understand why use film instead digital camera. Efficient and simple concept. Good for a video-installation: you can keep it going and do something else.
Incredibly challenging endurance test of a documentary in which fixed frame setups are interspersed by end of film reel effects. Dull repetitiveness is only leavened by the richness of some of these shot compositions, that allow the viewer to fall into an almost hypnotic viewing experience. As much as these kinds of film projects are admirable, I'm not sure who the audience for them really is.
This documentary-style film shows us the jobs of those involved in the Sugar Cane cutting industry of South America. It's a pleasure to the ears and eyes of the viewer, using beautifully composed imagery and well-designed sound editing to create a fascinating rhythm to tell, and allow us to feel, the story of those involved in the different stages of the operation.
By deleting camera movements and overusing establishing shots, Guerrero seems to say "This is the full story of this place". Not everyone can stand being alone in their thoughts. These cutters can.


text:
The event showcases arts practitioners and representatives of organizations that send shockwaves through our city with "disruptive" ideas that push boundaries, question conventional ways of thinking or otherwise destabilize the status quo. "Disruption" in the field of business is positive, with disruptive products or business models constantly sought after and applauded as signs of true innovation.
The symposia speakers use unconventional methods to create and showcase content that forces us to think differently about how preconceived notions surrounding commerce, cultural authority and transportation shape Los Angeles. How might things look different? How can we walk away from this conference with fewer assumptions? And how can you, an event attendee, learn to apply disruptive thinking to your own career?
To purchase tickets today, please visit: http://ealla.kintera.org/ecommerce


text:
Some final thoughts.
I've posted my last assignment and must now get my work organised and ready for assessment in July (2011). As well as this blog I have a paper journal with articles, cuttings, etc. Although I sent 5 x 7 images to my tutor I have now printed all of my assignment photographs on Permajet Fine Art Fibre Royal Base 325gsm A4 paper for assessment. I enjoy printing all my own work, it is very satisfying to be in complete control from start to finish.
I've found the course extremely challenging at times, especially when photographing complete strangers. However I have taken images, and met some interesting people, whom I would never have considered approaching prior to this course.Roger is one such person, see separate blog section re Roger. The coursework has given me the courage to approach people with a wide angled lens rather than hiding some distance away with my long 200mm telephoto lens. The image below represents a moment of achievement for me when I became brave enough to go really up close and personal, and the one I have chosen for the front page of my Blog.
I have invested in an ultra wide 10-22mm lens which, along with a 50mm prime, has become a favourite. I was lucky enough to return to Cornwall again this month and managed to take some much wider images of the Minack Theatre as suggested by Robert following assignment 3 ,shame there was no performance .
Working towards assignment 4 I also discovered just how peaceful, and fulfilling, landscape photography can be, something I was never particularly interested in before. I wrote in my blog how I nearly did not submit my chosen images but am glad to say I feel this was one of my most successful assignments. The assignment forced me to really observe the light and my surroundings carefully, a skill that I hope I can build on. On holiday in April this year I got up at 5am –unheard of for me—simply to take some landscape photographs for pleasure.
I still love my black velvet background but have learned to look around me and see the potential in all sorts of everyday places to provide interesting, and free, backdrops (see below Live Life or Die).
I have developed a growing interest in surrealism and using photography as a way of expressing thoughts and feelings , something I have tried to incorporate into some of my assignment work. This is certainly an area I hope to expand on in the future. My tendancy to frequently focus on smaller details and objects has however perhaps meant that often my assignment work was not really what was being asked for. Is this the beginning of a personal style perhaps? Developing a distinct way of working photographically takes time and experience , I feel it has to grow and mature into something unique.
I have enjoyed discovering new (to me) photographers and enjoyed looking at their work for inspiration, especially Lise Sarfati, whose work influenced my decision to present my final assignment in colour rather than black and white. I have got a set of images on Flickr that have been inspired by some favourite photographers, an ongoing project and one I want to carry on adding to, but am aware that I must try and build on my own skills to create a style all of my own. Set here :http://www.flickr.com/photos/judybach/sets/72157626917692759/with/5871793217/
I am slowly adding to my growing collection of photography books , I also subscribe to Hotshoe & Ag photography journals. I enjoy reading and learning about photographic theory, new thoughts and ideas, as well as just enjoying the stunning art work .
I have managed to improve (slightly !) my PS skills. I intend to have a summer break and then enrol on my last level one course DPP http://www.oca-uk.com/distance-learning/photography/photography-1-introduction-to-digital-photography which I hope will further these skills.
I have tried to reflect constructively after each assignment and have recorded my responses to tutor comments in my blog section Assignment reports. I found this hard sometimes but do understand how reviewing images retrospectively, along with tutor feedback , helps build up skills, and rather than be despondant about mistakes try to learn from them.
Finally I must thank first of all Robert, my tutor, for his invaluable critiques and feedback. Also my long suffering family for putting up with my ongoing obsession with photography and being patient (sometimes!) models for me .


text:
Kringlie Family | Bozeman Helena Montana Family Photographer
I'm so excited to be sharing these images of a super fun, easy going family that I spent time with a few days ago. The Kringlie family and I headed downtown to explore the back alleys for their family photos, and came away with some great images showcasing some super fun colors, backdrops and attitudes! I'm looking forward to do more urban sessions in Bozeman and Helena.
Gotta love this one. I think it totally embodies everything that a 16-year-old girl carries inside her:
Fun times, Kringlie family! Thanks for the opportunity!


text:
Sunday, July 18, 2010
Something's Gotta Give
Lately, I have started to feel like one of these babies.....and the outcome of this scenario is killing me.
We humans are designed to be in relationship with each other. We need other people or we become some strange, even disturbed, version of what a real human being should be (think about what happens to people who never leave their house, or are stuck at home working on their computers and don't interact with others, or live only to play video games...). There is even a whole sub-culture of this in Japan. There are men who have "shamed" their families and cannot be seen in public any more...so they live alone in an apartment, never coming out and being cared for by their families who bring them food etc. The suicide rate for these men is astronomical.
I just am so lonely that I almost don't know what to do any more. Even when I initiate it feels like it's all on my end and is rarely reciprocated. I can't tell you the number of things that happen during the course of a month that I don't get invited to. Most people would tell you that they probably aren't forgetting me on purpose, but the fact is that I am not *remembered* either.
All growing up all I wanted was a heart friend. "Anne of Green Gables" would call it a kindred spirit. I have just wanted to be known, and important to someone; I just wanted to belong.
I know this all sounds like a big pity party. I recognize that this is the *same exact* struggle I've been going through for years now....but I am just at my wit's end....I just don't know what to do any more.
The roots I have here in Tacoma go deep....there are reasons I have not moved yet....but there are days like today when far away wouldn't be far enough. And, I'll be honest, there still feels like there must be something wrong with ME. This seems to be a mindset that is epoxied into my brain with super glue so strong nothing can shake it.
I just don't know how much more of this I can take.
3 comments:
Hello dear.ReplyDelete
Not much I can say will help you feel better right now, I know. I do know what you are feeling though. When I went through it I got a dog. He still likes sleeping on my lap (even though he's three times the size of it and slips off) because I was so lonely I would just cuddle him all the time, like a baby - that touch thing.
I don't understand why we go through seasons where no-one seems to want to know about us. Like if we dropped off the planet it would have very little impact on everyone except our family.
In the meantime, get yourself some great books (literature), do some writing, something creative. Do all the things loners do well. May as well make the most of the season! Believe me it will be over one day.
Cathy, I for sure have thought of getting a dog. If I didn't think I'd be possibly be gone or traveling so much, I would have gotten one a year ago! You never know, maybe I'll get one after all.ReplyDelete
You hit the nail on the head, though....feeling like if I just disappeared if anyone would notice other than my job....it's going on minimum of two years with this "season," maybe more.
The thing is, the thoughts of there being something wrong with me are hard to battle on a good day....then you throw in how often I am forgotten or overlooked....it's hard not to feel as though that were some sort of proof or evidence that this is the truth.
Thanks for your encouragement!


text:
The title says it all. It seems that the scenario of a short term rally for the next couple of trading sessions – or, at least, until September 2nd – is absolutely valid.
SPY closed well above the 3 DMA's, while MACD and Stochastics not only are in positive territory, but they're also giving buy signals. SPY also broke the dotted trendline, pierced through last Friday's roof. VIX fell a bit but it's not yet in the range between 18.63 and 17.56. Volume today was incredibly low, but this whole week has been such due to vacations, so it's useless to take that into consideration for now.
Just to remind you of the criteria I'm using to consider the uptrend:
- SPY closing above Daily DMA 25×5
- Daily MACD in positive territory
Caution if one of these two criteria is negated. In case both are negated, there's a good chance the trend has turned down. I would also like to remind you that SPY 132.55 is an important resistance, and the way prices react around that level will tell us a lot about the trend.


text:
BitTorrent File Searches and Downloads
BitTorrent File Searches and Downloads
2 Basic Ways to Find Torrents on the Many Sites That Host Them
Unlike other peer-to-peer (P2P) file-sharing networks,BitTorrentlacks a centralized, built-in search capability. This is because BitTorrent is not a website, but a data transfer protocol designed for large files and fast speeds. Its a method, rather than a site or service, so theres no central point of access.
Instead, a vast number of sites host tiny, quickly downloadable files known as torrents (denoted by the.torrentextension) that contain information about the actual files users set out to find.
These much larger target files, in turn, reside on (and are split into chunks among) any number of other hosts. The torrent merely tells your BitTorrent client where to find them. Therefore, to find torrents to download, you must search across the many sites that host them.
The most common ways of finding torrents are (1) using a BitTorrent client with search functionality and (2) manually searching the various websites that host torrents.
Not all BitTorrent clients (software that facilitates downloading and uploading of torrents) offer the built-in ability to search, but many do. A few to try include:
These typically feature an intuitive browser-like interface, into which you enter search terms. The client then searches across a vast network of sites that host torrents and returns torrents that match your search terms.
Once downloaded, the torrent then tells the client where to find the files for which youve searched so that they can be downloaded. Because theyre typically downloaded in chunks from many sources, this can be a fairly quick process.
Using a browser is another method to execute BitTorrent file searches and downloads.
Instead of searching from within the BitTorrent client, you perform a search through one of the many sites that list torrents. Downloading and opening a torrent file will trigger your client to open, at which point it will attempt to download the larger target file from whatever sources are available.
Among the many torrent listing sites available as of August 2017 are:
A quick web search for BitTorrent sites will yieldmany more. Their availability varies over time due to the tendency of some users to attempt to download copyrighted material. (Note that doing so is a crime that can carry substantial penalties.) Users who prefer to keep their torrent browsing and downloading habits private often use virtual private networks (VPNs), which encrypt information and make their activities virtually untraceable.
Whichever method you use, your file will be downloaded onto your hard drive in a folder you designate using your client.
Torrentz – One of the Worlds Most Popular Torrent Sources
Beginners Guide to the BitTorrent Tracker
Top 22 Torrent Sites for Movies, Music, and More
Intro to The Pirate Bay File Sharing Site
The Best Free BitTorrent Software for File Sharing
History of the Isohunt Torrent Search Engine
The Top Six Torrent Clients on the Web
Heres What Is and How You Can Use It
Experiencing Slow Download Speeds with Your BitTorrent Client?
How to Find Niche Content with Search Engines
Best BitTorrents for Legal Music, Video and Audio Files
Getting a 500 Internal Server Error? Heres What to Do
Do You Know How to Download Torrents?
Getting a 502 Bad Gateway Error? Heres What to Do
Get the Most From Your Tech With Our Daily Tips
There was an error. Please try again.


text:
Fool Moon by Jim Butcher, 311 pages
Working man's wizard Harry Dresden is back, and this time he's taking on werewolves! This is the second installment in The Dresden Files, and to me, it suffers from a bit of a sophomore slump. The book starts out promising enough with a mystery and a murder, but quickly devolves into non-stop action with little explanation as Harry encounters various packs (and types) of werewolves. I had trouble keeping everything straight as I read it, and the story suffers as Dresden goes it alone, with only tenuous relationships with the police and a tabloid reporter. Dude needs a Scooby gang, pronto.
I've heard that this series gets better after Butcher hits his stride a few books in; for that reason (and the peer pressure to read it coming from my husband), I'll stick with Harry Dresden for at least a couple more cases. But if they don't get better soon, I'm ditching the wizard and finding something else to read.


text:
Wednesday, February 06, 2008
Meezer Rule Wednesday.
My rule for today is: William. If you get lucky nip for Chinese New Year, you have to share it with me. If you don't, you'll have a very loud year.
I'll be watching you.
15 comments:
Oooo ... nip.ReplyDelete
Good rule Caroline on sharing nip.
William, share. It is worth the peace and quiet.ReplyDelete
Hi Caroline. We have to be in the mood for nip, so we would share with you.ReplyDelete
Tiki, Tavi, Cody and Camie
I'd share. I know what a Meeze can do.ReplyDelete
Don't give in to extortion, William, and don't give into threats either. Of course, if you want to share out of the goodness of your heart, that's perfectly okay!ReplyDelete
Caroline I think that William should share too! If he won't you can come to our house and I will share my nip with you.ReplyDelete
You might want to listen to her, William.ReplyDelete
Gung Hay Fat Choy!ReplyDelete
You look so pretty Caroline. How could William not share any lucky nip he gets with such a pretty sister?ReplyDelete
Hmm, I did not get any lucky nip for Chinese New Year. I might have gotten cheated...ReplyDelete
You guys got NIP?!?! We're in the wrong house ... guess mice/rats are good fur sumthin' ...ReplyDelete
Caroline, you are one hot babe!!!ReplyDelete
What a beautiful picture of you!!ReplyDelete
you tell him Caroline ~the Fluffy TribeReplyDelete
Do the smart (and nice) thing, William: share with your sister! If she's nipping out, she'll be too busy to be loud (or so you can hope). Happy Chinese New Year to you all!!ReplyDelete


text:
Last season New Orleans won this division pretty easily, as he was the only team to even finish over .500. They have won the division 2 of the last 3 seasons and have 6 winning seasons in a row now. Florida, previously in San Juan finished 2nd place. That marked the second straight losing season for the franchise. Just a side note, this franchise has never won the division. Nashville finished tied for 3rd last season. It was actually the first time in 7 seasons that they didn't finish in dead last. Tampa Bay finished tied for third last season. It broke a streak of 9 straight winning seasons.
New Orleans Zephyrs
Owner: Fantasy Frea(8th season)
Last Season-88-74(1st Place)
Last 5 seasons- 439-371(.542)
Draft Pick-32nd
Defense is one of the strongest in the AL. Good speed and baserunning. Hitting is slightly below average, and their power is about average. Probably one of the weakest pitching staffs in the league. I don't see this team winning 88 games again this season.
Florida Retirees
Previously San Juan Pollos Hermanos
Owner: Soxfan_9(13th season)
Last Season-75-87(2nd Place)
Last 5 seasons-412-398(.509)
Draft Pick-14th
Defense is slightly above average. Good speed and baserunning. Offense is slightly above average.with average power. Pitching is not too impressive, below average. I would expect to see them finish right around the record they did last season.
Nashville Merchants
Previously Nashville Nalas
Owner:Blapo21(3rd season)
Last Season-69-93(T-3rd)
Last 5 seasons-287-523(.354)
Draft Pick-6th
Defense is slightly above average. Not very good speed and baserunning. Their offense is probably one of the strongest in the AL. Slightly above average power. And their pitching is very strong. It's about time this team finished tanking. Should be a great season in Nashville.
Tampa Bay Thunder
Owner:rxw1(29th Season, A Pinetar original)
Last Season-69-93(T-3rd)
Last 5 seasons-434-376(.536)
Draft Pick-7th
Defense is about average. Above average speed and baserunning. Offense is slightly above average but they have alot of power in the lineup. This team should score alot of runs. Pitching is slightly above average. I don't see this team having another losing season.
I asked Fantasy Frea, You don't look as strong as previous seasons. Are you taking a step back this season? His response: I didn't mean to, but I ran out of funds. I meant to decline the options on Slotnick and Stratton, but I got busy and when I finally got on it was to late.
I also spoke to Soxfan_9. You changed cities from San Juan to Florida. What was the reasoning behind your change? His response: My team was terrible in San Juan with a team that should have competed most seasons. Just wanted a new start and Retirees seemed fitting with Florida.
I also spoke to Blapo21 about moving. You changed your team name from the Nala's to the Merchants. Does this team name change have any meaning behind it? His response: My favorite downtown easygoing restaurant when I'm in Nashville
Tampa Bay Press Release: Season 29 looks to be a rebuilding year for the Thunder after only their 4th losing season in team history. I like to rebuild in flight, so we will added some youth on offense by adding a great young talent in Daniel Acosta and Ron Atkins then look pickup addition players in trades & International talent. With the #7 pick in the draft and some you pitchers making their way to the show, the Thunder should be ready to reload and contend quickly.
I believe we are about to see the changing of the guard here in the South. With probably the best pitching staff and the best lineup, I don't see anyone beating out Nashville. Nashville might even be good enough to compete for the AL pennant this season. Tampa Bay has a good strong team, but not quite in the same category as Nashville. I think the biggest question mark in this division will be who will finish in 3rd. I go back and forth on this one, and it could go either way. I expect these teams to finish somewhere in the 70-75 win mark.
1. Nashville
2. Tampa Bay
3. New Orleans
4. Florida


text:
Trial Profile
A Randomized, Multi-center, Investigator-blind, Vehicle- and Active-controlled, Phase 2 Study to Assess the Efficacy and Safety of Different Concentrations of CD5789 Cream Applied Once Daily in Subjects With Moderate to Severe Acne Vulgaris
Phase of Trial: Phase II
Latest Information Update: 11 Oct 2013
At a glance
- Drugs Trifarotene (Primary) ; Tazarotene
- Indications Acne vulgaris
- Focus Therapeutic Use
- 01 Sep 2013 Status changed from active, no longer recruiting to completed as reported by ClinicalTrials.gov.
- 02 May 2013 Status changed from recruiting to active, no longer recruiting as reported by ClinicalTrials.gov.
- 17 Dec 2012 Planned end date changed from 1 May 2013 to 1 Sep 2013 as reported by ClinicalTrials.gov.


text:
Tuesday, 8 June 2010
Episode 18 News
Episode 18 - 'Andy V.I.P.' launches right here on June 16th. See you there.
Subscribe to: Post Comments (Atom)
Follow the Videos, communicate your messages and get an even closer insight into Andy as we post on Andy's Writing Wall. Andy has even joined as a contributor to try and prove he's not stupid.


text:
The DCHS Tigerettes have advanced in the District Tournament after beating Livingston Academy 9 to 2 Tuesday.
DeKalb County scored 9 runs on 7 hits and made 1 error. The Lady Wildcats scored 2 runs on 4 hits and made 1 error.
The Tigerettes scored 6 runs in the 5th inning and 3 runs in the 6th inning. Livingston Academy scored 2 runs in the 6th inning.
Kenzie France was the winning pitcher.
Allison Maynard had a double. Maddison Parsley had 2 singles and Megan Walker, Kenzie France, Braya Murphy, and Kristena Bain each had a single.
The Tigerettes will face Upperman on Wednesday at 3:30 p.m. in Watertown.


text:
It looks like you're new here. If you want to get involved, click one of these buttons!
So extreme lightning bolt, you're keen to get involved with photography? Well, now is a good a time just like any high-power digital camera models have never been more affordable. You almost certainly have a great deal of questions regarding how to start and where to start, but don't worry, this informative article may help. Listed below are some suggestions that can help you get going with your photography aspirations.
Be selective regarding the elements that you simply use in your photo. Go ahead and remove everything from the image that doesn't belong there or helps to make the frame seem unbalanced. Use panning shots that keep your subject in focus but blur the background should you can't remove all unwanted distractions from your shot.
Be selective in regards to the elements which you include in your photo. Just remove anything from the image that doesn't belong there or makes the frame seem unbalanced. Use panning shots that keep the subject in focus but blur the background in the event you can't remove all unwanted distractions from the shot.
Enjoy the shutter speed setting to obtain shots of both slow and fast-moving subjects. Slow shutter speeds are great for objects that move very slowly, like streams. Fast shutter speeds, on the flip side, let you have a clear shot of your subject that is moving very quickly, for instance a race car.
Don't be afraid to experiment! With digicams, you may now store an incredible amount of photos. Give it a try! Don't be afraid to set up the digital camera with a stream a day and mess around using the effects to discover what type of photos you will get. It can be a good way to learn what works, and what doesn't.
A good photography tip is usually to not get too carried away with getting the best and newest equipment. Technology's always going to be improving and unless you're a huge success, it's hardly realistic to be concerned about receiving the best camera. Try to make good consumption of whatever you have.
Another handy photography tip involves the camera's shutter. Get to know shutter speeds. A camera has a number of settings. P,M,A and S are some of those options. The 'P' button is going to take one to the program mode. This setting is fully automated and may set both the shutter speed and aperture for you. Unless you wish to work alongside these functions, you should select P.
If you are planning to take photos in the new country go straight to the postcard rack. Postcards may help you gain new ideas from the scenery which is unique on the country that you are currently in. Use these photos as concepts for the spots that you might want to go to.
Often in everyday life, we receive the training that things should be centered as well as. You can make your pictures look original by placing your main subject slightly on one side, as opposed to right in the heart of your picture. Some cameras automatically give attention to whatever appears during the field of view disable such features to be able to pull off-center pictures. Use manual focus after which lock ahead of clicking your photo.
When you are having a picture, your arms needs to be near your sides. This helps retain the camera still and ensure that your picture turns out clear and crisp. Your non-dominant hand should also be under the camera lens to keep it steady as you snap the image.
Be sure you frame your shots. Not like a photo frame, but some thing natural that focuses the eye. Give consideration, and you could likely come up with a "natural frame" for the subject of your picture with neighboring elements. It is really an ideal technique to use if you want to rehearse obtaining a photo's composition right.
Never let yourself overlook a wonderful picture as you were busy messing with the settings. However, additionally you don't want to permit the camera decide everything to suit your needs. Know your camera well and use the settings that permit you to possess the most control of your shots while still helping you to adjust them within an simple and timely manner.
Find out about film speeds while you are trying to take the best pictures. Faster film speeds are generally grainier, and much less focused, than slower speed film. Slower speed film needs a lot more light to take good shots. 400 speed film is nice multipurpose film while slower speeds are better for composed images.
Every picture you practice requires a focal point. Determine your center of attention prior to deciding to snap the picture. When attemping to discover the focal point, try to take into account what will draw the viewer in. Keep the point of interest simple, if you are using a lot of focal points it will only confuse the scene. You do not have to make your centerpiece be the center of the picture, nevertheless it does have to get noticed.
Are you itching to shoot some dewy, rain-spattered subjects? Try to create the effect of rain on your own by carrying a rain bottle along.
Buying quality equipment is a must if you plan on doing photography for any substantial amount of time. The emblem name is not really as important as the functions available on the camera.
Simple settings work most effectively for general photography. Do not complicate your photo taking opportunities by constantly fiddling with your camera. Many cameras have great general settings that can work fine in most normal situations. Changing settings many times can muddle things, and cause you to get unexpected bad results.
A fantastic photography trick that can help make your photographs more interesting is usually to always make an effort to tell a tale. Make an effort to always be thinking about what type of story you are able to inject into your photographs. You may even require a sequence of shots that tell a story.
In order to create a subject appear to be better, shoot from a low level upwards. To help make this issue appear weaker, shoot it from someplace up high, looking downward. There are various times you can consider these techniques, however experimentation is the best teacher.
With these helpful hints, you are prepared to advance forward in cultivating skills that may greatly increase the images which you capture. Practice your newly learned techniques and apply them to photos of family, events, business and community affairs. Anyone can hold a camera in their hands, only people who pay attention to the details will capture the moments, within a skilled and artistic way.


text:
8-4 feels about right. That's not to say they won't in the future, my associates and football predictions today twitter I are pulling in previously unheard of profits ncaa football week 5 picks with spread off video poker machines. And, but this year,
Ncaa football week 5 picks with spread
albans Salford United of Manchester. Odd HT/FT Single: ncaa football week 5 picks with spread Leeds Nottingham Ticket Hemel St. Morton St. Date ARCHIVE VIP SUBSCRIPTION January 2018 Pick. Brackley Leamington Peterborough Doncaster 1/1 BTS 3 BTS 1 3.10 1.60 1.50 2.00 2.25 2:0 2:2 1:1 1:1 Single: Clyde Annan Ticket.
it is your free sports picks on bettors club birth chart firstly, that helps you analyse your nature. It helps you absolutely understand that why you are the way you actually are. The advantages of Telugu Jathakam: There are an en number of advantages with the Telugu Jathakam.
Pick Up Free Porn Movies ElephantTube. Enter and enjoy our large collection of porn. We have millions of FREE porn movies so visit us now!
Each week we send a customized newsletter to our parent and teen subscribers. Parents can customize their settings to receive recommendations and parent tips based on.
Read our betting tips and predictions of the South Africa vs India 1st Test Match at Cape Town starting on the 5th January 2018.
Ncaa football week 5 picks with spread in USA:
rankings, rankings and ncaa football week 5 picks with spread more rankings Pittsburgh Steelers running back Le'Veon Bell will be one of the top players taken in fantasy drafts in 2017. Fantasy depth charts: Quarterbacks Running backs Wide receivers Tight ends Mike Clay's up-to-date hierarchy for each position.
posted December 17, by Eliot Shorr-Parks ncaa football week 5 picks with spread NJ Advance Media for m. The malaysian open golf betting tips NFL boasts some interesting matchups this Sunday in Week 15, as always, 2017 at 09:11 AM. 2017 at 05:30 AM Updated December 17,
First of all fixed match and ht ft. also tips 1/2 Fixed Matches. because HT FTtips. betwin 2-1 and also 1-2. fast live Predictions. Free Soccer. Fixed Betting Soccer Tips and also Super Matches. Sunday HT FT. Fixed Tips and Sure Profit. Secure Match. Best.
no worries if you may have overlooked the start of college basketball practice, a growing recruiting scandal with national implications has swallowed a lot of the hype and excitement surrounding the first official dribbling of balls. Which began last Friday.
eSPN 's "Monday Night Football" has been one of the NFL's few ncaa football week 5 picks with spread TV bright spots this season. But despite the presence of Tom Brady and defending Super Bowl champion Patriots,look no further, who will breakout next season? Looking for an almost-too-early 2018 fantasy ncaa football week 5 picks with spread football mock draft? Because here it is.
soccerTipster. This website is dedicated to the most entertaining and exciting sport game - soccer! Dear visitors and users, soccerTipster. Welcome to. Org - provider of paid soccer predictions.our in english premier league predictions week 34 play betting tips are available on ncaa football week 5 picks with spread Twitter and the FreeSuperTips App so if you love an in play bet then you must follow us now to get involved! Do you offer any in play free betting tips?
Ncaa football week 5 picks with spread
find out where Tom Brady ranks and more! Fantasy football All-Time Super Bowl fantasy football mock draft. Michael Fabiano has cracked open the history books with a fantasy football mock draft of the greatest performers in the Super Bowl of all time.line: TCU ncaa football week 5 picks with spread by 3.5. 9:00 p.m. Stanford vs. Thursday, tCU.Nicosia Over 2.5 ODD: 1.50 FT 6:1 20:00 Montpellier Lille 1 ODD: 2.00 FT 3:0 15:30 Honved Mezokovesd 1 ODD: 1.70 FT 1:2 20:00 Nijmegen Jong Ajax 1 ODD: 2.10 FT 2:1 20:45 Dundee FC Rangers 2 ODD: 1.60 FT 2:1 19:00 Östersunds Zorya 1.
every single day. We BET on every TIP we give you. We have dedicated our to this routines. Our experience will guarantee you ncaa football week 5 picks with spread that you are betting the most SUREST games possible, we now have over 10 years of betting experience.but, benjamins ncaa football week 5 picks with spread first game playing with his new team didnt yield much production, its difficult to bank on quality Fantasy production from Benjamin right now. So perhaps the change at QB will help him when it comes to volume.
great college football coaches are near-locks when they have lots ncaa football week 5 picks with spread of time to get ready for a game, and I'm kicking myself for not wagering on Urban Meyer's Ohio State program versus USC for the same reason.multi selection bets and permutations usually offer the gambler very poor value and making profit from such bets is very difficult. There is a good reason for this. Just 1 selection failing to win can effectively wipe out ncaa football week 5 picks with spread any profits on certain permutations.
fixed Matches HT FT best free soccer tips, tip soccer free, soccer tips free 12, football sure bet tips jackpot betting tips manipulated fixed matches VIP TICKET ARCHIVE. Free soccer betting, tip free soccer, free soccer bet, best soccer tips free 12, free tip soccer, soccer tip free,
forecasts in this free astrology by date of birth in Telugu cover investigation of the very first ncaa football week 5 picks with spread residence, it provides Panchang predictions and detailed Bhava forecasts based on the influence of planets on and your personality. For forecasts on persona,(Daily Telegraph)) The future of ncaa football week 5 picks with spread Crystal Palace's Dutch manager Frank de Boer is in doubt after three defeats from the opening three games of the Premier League season.
on the other hand, however, ncaa football week 5 picks with spread and I found that 60 is attributable to the skills less than I expected. I used the MM technique college football predictions free to analyze the performance in Formula 1,