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Had a trip up to the Malvern Hills today, left at 5:15, arrived at 7:45 and the boys got straight into it. Stripped off my temporary roof skin and by 8:15 theyd cut the hole and were ready to fit the frame.
Despite a few issues caused by the Caravelle wiring loom, and window trim, and the van previously having a sunroof, all fitted and watertight by 11:30.
Drive home in peace and quiet, and dry, some overall weight added but no probs as Ive already beefed up suspension and wheels/tyres.
I opted to trim out myself so bought extra carpet to match it all up.
After trawling Busfest looking at pop tops Im very, very happy with my choice and value for money. The red is complementary to my paprika red base and the white is close enough to the vinyl wrap.
Big thanks to Chris, Stew, Andy, Steve and Barry and a young lady whose name I didnt catch, for letting me muck in, accommodating my previous bodges, loads of cups of tea and a great feeling of money well spent.
Thread to continue as I fit the van out.....
Sent from my iPhone using Just T4s


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Tuesday, August 12, 2008
The Last Lecture
I'm reading this and I just wanted to say how amazing the book The Last Lecture is. For those that don't know it's about Randy Pausch, a professor at Carnegie Mellon University in Pittsburgh who's dying (and eventually passed away recently) of pancreatic cancer. This book was (literally) his last lecture, usually given by a retiring professor, and wow was this emotional. I admit it, I was trying not to cry. This just put life into perspective and how I take life for granted. I strongly recommend this book to anyone.
Marching Band
Yeah I know, when you hear marching band people think "band geeks". Well in six days I'll be going to marching band camp for two weeks. It's actually pretty hard, we're out there for four hours in the sun then we go inside to work on our music. Well since this is my upcoming junior year I'm kinda already accustomed to the hardships, so I'll probably be hearing a ton of whining from the freshmen. It's definately a character building lesson, because we repeatedly have to do maybe on or two parts over and over until we get it down pat. Anyways, I'm actually somewhat looking forward to camp since I'll be a vet and I can help the younger people (or just boss them around) and that I'll be seeing some of my friends that I didn't see over the summer. So just remember this, while most of you are inside watching the Olympics 200 of us will be outside in the sun working on a 15 minute show for your entertainment at our high school football games. Call us band geeks then.
So as you all know the Olympics have started and I'm liking what I'm watching. Everything's been very fun to watch, though I've only really been watching volleyball and some swimming. I look forward to watching other things, though school and marching band might interfere. If that's the case, it's still been fun watching athletes play/swim/run their hearts out.
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Stop what you're doing: Justin Timberlake might reunite with 'NSYNC at the VMAs
Of course, the first question that popped into our minds once we heard the news is how much cash MTV had to fork over to JT to get him to sign up for this. After all, the mega pop star has said again and again in interviews that he would never perform with *NSYNC again (never say never, JT!), and here he is signing on to do just that.
We have a theory that after seeing reigning pop diva Beyoncé rake in press for her epicDestiny's Child reunion at this year's Super Bowl, Justin began to re-think his stubbornness.
From now until August 25, our prayers will be filled with requests that this report is 100% true. How great would it be to see fully grown, Tom Ford-clad Justin Timberlake reviving those marionette moves from the "It's Gonna Be Me" video? In case you need a reminder or to be convinced, you can watch the clip below. Just think about it.
More from StyleCaster:
Women Are Getting Cosmetic Surgery To Avoid Having Hands Like Madonna
Umm What: Lindsay Lohan Launches A Style Blog (Yes, Really)
Kanye West Shops at Cartier: Is An Engagement Ring For Kim Kardashian on the Way?
How to Avoid Buyer's Remorse: A Complete Guide For Fashion Lovers
Photo Credit: Courtesy of StyleCaster


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Neuroware proposes mating consumer grade brainwave-detection devices with other appliances, starting with your smart phone. This concept video demonstrates a headset that automatically records when it detects an emotional reaction to what the user is perceiving.
Honestly, what intrigued me most about this wasn't the EEG capacity of the headset, it was the rather bizarre design decision to place the phone on the side of the person's head, where passersby can see it, but the user can't. It suggests that the user's emotions are part of the aesthetic of the device itself. In contrast to Google glass, which was perceived as a creepy overreach of privacy boundaries, this device exposes the user, displaying their internal state for all to see.


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Sepang, Malaysia - Mercedes is likely to drop one of its sponsors as part of an arrangement to keep Lewis Hamilton on a long-term contract.
A well-placed Formula One source said Hamilton had been offered a deal by fashion label Tommy Hilfiger, creating a clash of interest that places a major question mark over Hugo Boss' involvement as the team's kit supplier.
A well-placed source said: "Lewis has got this deal going through with Tommy Hilfiger and now Mercedes have to sort out the Hugo Boss problem, and that links to his new contract talks. That's going to be fun to see what happens."
Hamilton, who sports an increasingly extravagant wardrobe, attended the Tommy Hilfiger catwalk show during London Fashion Week in September with Brazilian football hero Neymar.
His Mercedes contract is due to expire at the end of next year. Mercedes refused to comment on Sunday night.
Mail On Sunday


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Shopping In France
When travellers visit Hong Kong, most start thinking about what they want to buy before they even reach the city. Knowing that Instagrammers are open to discovery on the platform, and that people take time to better understand the products they're interested in, this test gives our community valuable steps along their shopping journey before they make a purchase.
Amsterdam has many different shopping areas Each has its own character, which means that in addition to getting your shopping fix, you can check out new beautiful and interesting neighbourhoods and enjoy strolling around. Our main aim at Gadgets 360 is to provide an online shopping site wherein you can get the expert product reviews to decide what to buy and then actually buy the product without switching between sites. All this not only at the lowest price but with the best offers and exclusive deals to make the online shopping experience the best you can have at any online gadgets or electronics store. Catatan: Jika Anda mengintegrasikan bagian toko Anda dengan Shopify dan ingin menghapus bagian toko itu di Halaman Anda, maka Anda harus menghapusnya melalui Shopify.
The thoughts and ideas that you have while you wait those few days for your package to arrive might have you both enjoying the wait enough to make shopping for sexy lingerie together a regular part of your sex lives. When shopping for erotic lingerie with your partner, both of you must have open minds about what the other may be interested in. You may not have considered sheer baby doll lingerie – but he has. Most mobile shopping experiences today take people from the shop window right to check out—without giving consumers the opportunity to consider a product and get more information.
For example, the tag organic = can only be applied to shops that can possibly sell organic goods, and not to something like a computer shop (shop= computer ). On the other hand, some tags like opening_hours = can be relevant to any shop and are, therefore, part of the collection of tags in this table.
An independent contractor which is what you are when you mystery shop is able to write off a gasoline allowance. Shop focused on selling fabric and other materials for the purpose of making clothes and other products, eg dress making. Neighbourhood shopping areas and retailers give value to a community by providing various social and community services (like a library ), and a social place to meet. And since most shop owners at the Oriental 188 Shopping Centre don't speak English, you'll need to know these things before you go. These valuable reviews won't be provided by any of your friends and relatives and not even by the shop assistants.


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We are proud of and thankful for our team of dedicated and passionate educators and administrators.
Nancy Anderson graduated from Virginia Tech with a degree in Civil Engineering. Following a few years in a consulting industry, she and her husband Eric returned to Blacksburg and began their family. She has been homeschooling her four children for the past ten years. First exposed to classical education through Classical Conversations, Nancy has watched her children pass through the grammar, dialectic, and rhetoric stages, and she can attest to its effectiveness. Nancy tutored Foundations for three years as a part of the Blacksburg Classical Conversations community where she worked with 1st and 2nd graders as well as 5th and 6th graders. As a swim coach, Nancy has been working with kids of all ages for nearly ten years. When she is not homeschooling or coaching, Nancy enjoys reading, running, and spending time with her friends and family.
Jillian, though originally from Blacksburg, spent most of her childhood overseas, before returning to Blacksburg to finish high school. She graduated from Virginia Tech, with a degree in Interdisciplinary Studies, and received her Masters in Curriculum and Instruction from Radford University. After graduation, Jillian began working with Montgomery County Public Schools, and has been teaching 2nd grade for the last 6 years. In addition to teaching 2nd grade, Jillian has taught Sunday school for many years, as well as traveled overseas for English camps serving elementary and middle school students. While she loves to travel, see new places, and spend time with people, most of her time is spent being a mom to her four month old son! Jillian is excited about joining VCS, and looks forward to learning along with her students!
Jesse Case was born and raised in Virginia, just outside of DC. He has just recently graduated from Virginia Tech with a double major in History and Classical Studies. He lives in Blacksburg with his wife Kristian, who has one year left in her undergraduate degree in Material Science Engineering. Jesse's first exposure to teaching came while volunteering at his church's ESL program while in high school. Since then, he has continued working with foreign language students and tutoring in general throughout his college career. His hobbies include reading, cooking, and exploring the outdoors with his wife.
Zachary holds a master's degree in Business Analytics, bachelor's degree in Neuroscience, and minor in Music from Virginia Tech. He's excited to join the VCS family and combine his education with over a decade of kid's ministry experience and years of worship leadership to provide a holistic musical education for our students. Personally, Zachary also loves serving with Chi Alpha Christian Fellowship and is passionate about holistic health (just ask about Kombucha), reigniting the "bible belt" for Christ, and seeing people grow in both the fruit and gifts of the Holy Spirit.
After graduating from Radford University and working five years in the tech industry, Tonia landed her dream job: motherhood. She has classically taught her children at home ever since while working to support fellow homeschooling families by teaching co-ops, classes, and private lessons for over a decade. She and her husband, Brent, own and operate Reliant Farm, LLC on fifteen acres in Craig County where they live with their two daughters. While books will always be her favorite, she also loves learning through the beauty of music, nature, and the people she meets. She is thrilled to pass on this love of learning to the children of VCS.
Kate Orton joins VCS after a surprising journey through classical education towards teaching. She attended a classical school from 7th to 12th grade, then soon discovered her love for kids after working for two summers as a camp counselor. Upon graduating from Cedarville University with an English degree, she moved to South Korea to teach K-6th grade ESL, and discovered her love for teaching. She now lives in Blacksburg with her husband, Andrew. Kate is thrilled to see each of these points in her story converge to joining the VCS team.
Originally from Atlanta, Katelyn was first exposed to classical education as a child, where she attended Veritas Classical School. She graduated from Lee University with her B.S. in Biology. While a student at Lee, she began working at a rural hospital in Kenya during her summer breaks. Long-term medical missions is one of her deepest passions. During her time in Kenya, she met her husband Trask, who is now a medical student at VCOM. Before they got married and she moved to Blacksburg, Katelyn completed her Masters in Biblical Studies at the Reformed Theological Seminary in Atlanta. She and Trask plan to return to Kenya long-term when he is finished with medical school. In her spare time, Katelyn loves to go on hikes/runs with her dog and enjoys being a foster mom for Montgomery County Animal Care and Adoption Center. She is so excited to be apart of the VCS team and share her love for science and theology with students!
Kirstan Hutchinson holds a bachelor's degree in church history from Duke University and a master's in theology from Gordon-Conwell Theological Seminary. She has spent most of her adult life homeschooling her two daughters (now in college and grad school), coaching soccer for NRU and Dayspring, and annoying the deacons at Grace Covenant Presbyterian Church, where her husband Chris has served as senior pastor since 2004. When she is not practicing planks with VCS students, she walks frequently, usually with dog biscuits in her pocket for the neighborhood canines, and attempts a variety of home improvement projects, some more successfully than others.
Mary Lekoshere studied painting, drawing and printmaking at Bob Jones University. She received her Bachelors of Fine Arts in 2006. She currently enjoys painting representational art in oil, and illustrating in both oil and watercolor.
Kay Lefevre, having taught for almost 40 years in several schools on the eastern side of the U.S. and also three years in Peru teaching missionary children, is excited about being a part of the teaching team at VCS. She has a B.R.E. from Baptist Bible College in Pennsylvania. She has taught K4 through middle school students. Her passion is the younger grades and she is excited about teaching 1st grade. Her greatest love while teaching has been the two years spent teaching classically and watching her children's desire to learn all they could. She loves being creative in presenting materials to help the children love learning!
Native to Blacksburg, Kristina McClung is a recent Virginia Tech graduate with a B.S. in Psychology, and a minor in African American Studies.She has worked on staff at the Blacksburg Children's Museum, and as a Tutor for Montgomery County Schools through the Virginia Tech Community Literacy Corps. Kristina is an avid reader and freelance photographer. In her free time she enjoys playing with her American Staffordshire Terrier, Hercules, and spending time with her husband, Nathan. She is excited to be a part of a school community that recognizes the importance of Scripture in its curriculum!
Warren grew up in Alabama attending public school. Afterward, he completed his B.S. in Engineering from the University of Pennsylvania and, after working as a mechanical engineer for 5 years, obtained a M.S. degree in Public Policy and a law degree, both from Georgetown University. Since then, he has practiced law with the U.S. Department of Justice and in private practice.
A Blacksburg native, Rachel grew up home schooled K-12 via a classical approach and plenty of whole books. After graduating with her B.A. in Humanities from Thomas Edison State University, she studied hands-on communications, theology, and humanities in Italy for a semester. She has helped lead kids' day camps, and as the oldest of eight siblings, connecting with kids and helping school happen is a natural bent. The rest of her week fills up with part-time nannying, family dinners, coffee (or long-distance calls) with friends, discipleship ministry, student leadership, exploring outside, and too many books.


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We all experience anger. How we express, manage and understand its power is a challenge for everyone.
To the ancient Chinese anger was one of five primary emotions that cycled through life. To observe nature is to see a variety of expression. To observe ourselves is to see that same variety in human life.
A tiny green crocus leaf unfurls and pushes dirt aside to rise up to the light. This thrust of upward movement happens as a vital action in nature's cycle. The ancient Chinese noted the patterns and cycles in nature and in humans. They recognized that human emotions are a reflection of the energies in nature. Through careful observation they traced patterns in nature to an element and for each element an emotion.
The Chinese noted the purpose of each season. Nature's cycles embody creation and birth, growth and flourishing, finally a dying down and destruction. All aspects are vital to the balance of nature. These same cycles happen in our bodies, our emotional selves and in our souls.
So how does anger fit into this picture? To the Ancient Chinese it was one of five emotions, each one associated with an element of nature and a season. The five elements are Fire, summer its season, and joy as the emotion; Earth, late summer and sympathy; Metal, autumn and grief; and Water, winter and fear; and back to Wood, spring and the emotion of anger.
The wood element, plants and trees, show us the power of transformation in the spring season. Plants that were dormant make a leap to growth and activity. They burst forth seemingly overnight in the spring, but after considerable activity under the earth in preparation.
To the Chinese anger is the emotion linked with spring and the wood element. Consider this emotion. It flashes with a release of energy, like a thunder storm. A person who is angry about something feels like this. Martin Luther King, Jr. experienced prejudice and hatred as a young man. Anger simmered in him over time and eventually burst forth, but he learned to temper that energy, to harness it into a stream of action and clarity of mind. His anger addressed injustice. Thus human beings are challenged to work with and be tempered by anger. This is the positive power of anger revealed in the wood element.
Mahatma Gandhi expressed caution in dealing with anger. He felt the need to manage it so that it did not control him, working through to avoid pointless and ineffective violence. Yet at his core, anger at injustice inspired him to act.
Violence in thoughts, words or deeds is a natural part of anger. Gandhi's lifelong work was to temper anger, not suppress it. He galvanized it into action without resorting to violence. One famous example is his journey to the sea for salt which was against British law. This defiant action took clarity of thought, energy and commitment. It was a transformation of anger into a sustained action for a result.
"Anybody can become angry," says Aristotle, " — that is easy, but to be angry with the right person and to the right degree and at the right time and for the right purpose, and in the right way — that is not within everybody's power and is not easy."
Aristotle captures the essence of anger here. There is a place for anger, but we must work with it carefully, almost as medicine, so that it transforms.
Throughout our lives we have rivulets of different emotions in varying degrees of intensity. Our job is to bring awareness to them and to better understand ourselves through reflection. How do we ride the waves of emotion, temper them and deepen our knowledge? Human beings grapple with this question throughout time.
Because emotions are ever changing, we can't make them stand still.
We have to learn to ride them and harness their energy. Just when we think we have contained an emotion, the flow continues. This phenomenon provides an opportunity for us to learn from nature by observation. We can also learn by observing ourselves and shining a light on our own energies.
When does anger arise? Is it always a negative emotion? What is the arc of an angry moment? These are questions not easily answered. We spend our lives seeking to understand ourselves and our world. Anger is one mystery that we may think of as damaging. Yet to suppress it or deny it is like trying to stop a tornado or thunder storm.
How does the food we eat support our efforts to find balance with anger in spring?
In ancient times, across many cultures, people ate different foods in different seasons. These eating patterns supported the cycling from one season to the next. Availability was the ruling factor. In winter people ate warm, rich foods to provide sustenance. The first foods to appear in spring were dark green, tough little plants, like cresses, parsley, green onions, dandelion and violets. These green shoots gave people just what their bodies craved coming out of the winter. Spicy plants stimulate the liver. They cleanse the body for the greater action of spring. This cleansing promotes clearer thinking. The liver as planner and gall bladder as decision maker come into their own in spring.
Anger may cause us to feel out of control. It comes flooding or shrieking out of us. Two year olds have tantrums as they discover their limitations. As they grow, they also discover independence. Anger arises as they move through this developmental stage. They learn from the modeling of adults. Adults are challenged to respond in a way that builds the experience of boundary and limit for the child.
From the perspective of Chinese medicine , an emotional imbalance is a sign of other kinds of imbalance. A person may be lacking appropriate anger. Passivity and reluctance to stand up for oneself can signal an imbalance that needs to be addressed. Excessive anger is another sign of an imbalance.
Today is an early spring day. Seeds germinate out of sight under the earth, and early blossoms appear seemingly overnight. A great deal happens at once. This level of complexity is part of our emotional landscape as well, part of the beautiful challenge of transformation. It is not easy and straightforward. Anger can mix with other emotions and even mask them. But it is an energy that must activate. It can feel like playing with fire, or it may cause us to slip into depression when not appropriately channeled.
The Book of Changes, the I Ching, outlines the many ways that the energies of nature manifest their underlying truths. A sunrise will burn into bright day. An intense storm will pass. Daffodils that burst forth seem permanent, but just weekslater they are falling back to the earth.
To work with these ever changing patterns and appreciate the power of anger is to align with natural law. To be able to sit with anger, reflect on it and carefully allow clarity to emerge is to be well tempered by this powerful emotion.


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Tour Availability: Whole Year
Location of Tour: Southern Iceland
Duration of Tour: 10 Hours
Pick Up Time: 8:00
Services included:
· Pick and Drop Transportation
· Professional guide
· Free WiFi
· No Food included, but stop at places where you can get some food
Your Tour Kit should be include
· Water & windproof clothing
· All tickets are e-tickets
Join us in our jounry from Reykjavik to Vík Í Mýrdal and be ready to witness one of the most beautiful places of Iceland.
When it comes to Iceland, we recognize the country as "land of fire and ice" and this tour to Iceland is going to help you witness this statement. In this tour we will help you visiting the southern coast of Iceland. The tour will be included a visit to Glaciers, small fishing villages, grand waterfalls of Seljalandsfoss and many dramatic places of this beautiful country.
Along with the visit of these amazing places you will make following highlights:
· Seljalandsfoss Waterfall
· Skógafoss Waterfall
· Sólheimajökull Glacier
· Black Sand Beaches
· Village of Vík
Usually waterfall gives an amazing view from the front side but here at Seljalandsfoss you will be able to view it from the behind. That will be really and amazing experience to visit this place.
This is another beautiful waterfall and one of the most famous hiking places here at southern coast of Iceland. Being lucky you will be able to see the amazing rainbow view from the Skogafoss.
During this tour don't forget to visit Sólheimajökull which is a icy tongue of Mýrdalsjökull glacier. Katla is co volcano of Eyjafjallajökull. This is the most popular place among tourists because of its easy access.
Reynisfjara is a black sand beach which is one of the attractive places for several tourists to this country. In 1991 this place got listed in the world's most beautiful non-tropical beaches.
Vík í Mýrdal is known as a fishing village and a beautiful place to visit. There are only 300 inhabitants but have several great places to visit.
The trip will start by picking you from your accommodation. Once all guests will be with us we will move to southern edge of Iceland's different places.
Because of linked with the North Atlantic Ocean this place usually face extreme weather conditions. So, this place is a mixture of volcanoes, glaciers, green lava fields and black sand beaches. Our first stop will be Skógafoss waterfall. After that we will be moving to the Vík, a little fishing village. The next stop will be the black sand beach which is one of the most attractive places of this place.
On our way back to Reykjavik we will try to stop at some other places to give you a squeeze view of this Iceland that will be included Sólheimajökull, and Seljalandsfoss Waterfall where our adventure will end with the day.


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"Geography is the subject which holds the key to our future" – Michael Palin
Geography is a fascinating subject that helps young people to understand their place in a rapidly changing world. In the department we aim to help students develop an understanding of the interplay between the physical and human factors that influence the environment. This enables students to develop critical thinking skills and an awareness of the need to take responsibility for their actions. It also promotes a sense of place and an appreciation of diversity of culture and experience.
Key Stage 3
At Key Stage 3, students study a variety of topics that deal with the physical processes that shape our planet, as well as the impact of human activity on the environment. The development of key skills, such as decision making, enquiry, research and analysis, is an integral part of the Geography course at this stage. Students are also made aware of how they are linked to other people and places.
In year 7, students will: –
- Develop and utilise ICT, research and map work skills
- Investigate the geography of the UK and their local area
- Study river processes
- Carry out an investigation into flooding in Bangladesh
In Year 8:-
- Climates & coasts are the main physical topics studied
- Global dimension is introduced by investigations into migration, the geography of football and an in-depth study of Brazil
In Year 9: –
- The topic of 'Wild World' examines the impact of natural disasters such as earthquakes and hurricanes
- The impact of human activity on ecosystems, such as rainforests is covered
- Topical issues are studied to help give students insight into how their own actions can affect people and places in other parts of the world; areas covered include global warming and rich world/poor world.
Key Stage 4
Geography remains a popular choice at GCSE and the specification followed is OCR A. This is an engaging, up to date course that builds on and extends the knowledge and skills gained during Key Stage 3. The GCSE course is split into four sections: –
- Extreme environments, which looks at deserts and mountains, or polar environments
- You as a Global Citizen – the impact of our decisions, this encompasses two controlled assessment tasks (an investigation into how consumer decisions may have a positive or negative impact on people and an investigation into a local retail area)
- Similarities & Differences, which consists of a study of two locations, one in the UK and another elsewhere
- Issues in our fast changing world, which deals with topical issues such as population change and natural disasters.
Throughout the GCSE course, ICT, enquiry and decision making skills are developed through work carried out in lessons and during field work.
Year 11 subject revision checklist
Curriculum Overview
Click here to view details of topics and skills covered in our Geography curriculum…
Homework plays a part in encouraging students to take ownership of their learning and therefore helps them to develop the skills to become independent and lifelong learners.
The Geography department sets homework in accordance with the school's homework policy: a minimum of two pieces of homework per half term at Key stage 3 and a minimum of one piece of homework per fortnight at Key Stage 4.
There are a variety of homework tasks set at both Key Stage 3 and Key Stage 4. The aim is to consolidate and extend the learning of students by providing tasks that can be effectively carried out beyond the confines of the classroom. Some homework may take the form of extended projects which enable students to show creativity, research skills and also to give them practice in managing their time. Other tasks may be more focussed on consolidating and utilising material learnt in class and also to prepare for future lessons. Revision and preparing for tests might also be carried out at home. At Key stage 4 there is an emphasis on revising, practising and preparing for GCSE style examination questions. In the majority of cases these questions are taken from past GCSE examination papers and the aim is to ensure that students are thoroughly prepared for their external examinations in Year 11.
Homework is marked in line with the school's homework and assessment policies.
Please refer to the school's homework policy for how missing homework is followed up.
Read about Geography
Click here to see a list of fiction and/or biographical books related to Geography…


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Muttock, photographic negative, late 19th century.
Wednesday, October 28, 2009
A Haunting at Muttock, 1902
In 1902, a "ghost" was reported to be if not quite terrorizing Muttock, certainly entertaining it. James Creedon, the Middleborough correspondent for the Brockton Times in late 1902 recorded the story for his employer's newspaper as well as posterity:
Veiled Ghost Leads Crowd a Hot Chase
Pelts Apples at Middleboro Posse, and Outlegs It Up and Down Hill and Into Darkness of Woods
The town is in the grasp of a decided sensation. It is said that there are ghosts operating here.
One night last week a young woman living in the northern part of town was accosted and chased by a figure robed in white, but she was not harmed. Several other people have been chased in the district on North street, between North Main and Oak streets. Another rendezvous is at the top of Muttock Hill.
Stories have circulated the last few days that there was a ghost in that neighborhood, but little credence was given to them. Most everyone thought some boys were out for fun. It now appears, however, that there is some foundation to the reports.
Saturday evening Ralph Caswell was down toward North street and was chased a considerable distance. Last night a crowd went to North street and saw this figure, robed in white, with a flowing veil on its head. It was in the orchard at the Crossen place. When it saw the fellows coming it threw apples at them and they gave chase. It led them the quickest they ever traveled, up and down hill and over a high fence into the woods. It escaped.
It is generally believed that it is some man dressed up to have some fun. The fun will turn if he gets in the way of those after him.
[Brockton Times, October 13, 1902]
Hunting the Ghost
Middleboro Party Not Rewarded by a Glimpse Last Night
The ghost is still the whole thing among the young and adventurous element of Middleboro. The young men say they are going to catch him. A crowd organized last evening, and shortly after 7 went to the scene of the ghost's hilarity. It broke up into parties of two and waited in the woods. The ghost did not show up. After waiting till about 10 the searching party gave up its job.
Whoever or whatever is making this trouble is sure to come to grief if it continues. The matter has gone almost far enough in the minds of many, and they are determined to know who is responsible.
This is not the first occasion of ghosts in the Muttock neighborhood, one of the residents says. On previous occasions there have been seen figures dressed all in black and traveling on all fours. At other times it was erect and dressed in white. It was not an animal, and what it can be, if not a man, is a question.
Although most of the people living in Muttock sincerely believe there is something prowling around in the garb of a ghost, they fear nothing, claiming that no harm will come from it. The searchers are determined, and will keep up their work until they find out who is playing ghost or until the disturbance stops.
[Brockton Times, October 14, 1902]
Muttock Ghost Wary
Middleboro Youths Are Out in Force, and Are Not Rewarded
After spending two nights in an unsuccessful attempt to locate the Muttock ghost, a band of young men started out again last evening, but the did not have better luck. There were two parties composed of youths from the center of town and others were from Everett street. The Everett street crowd started at the lower end of that street and the boys from the center entered the woods just behind the Crossen place [on North Street at the top of Nemasket Street]. They split into parties of two, each armed with a four-foot oak club, and prowled around the woods. After two and a half hours' search they went home unrewarded.
The clubs last evening supplanted the revolvers and hounds the searchers had Monday evening. When they got through hunting the ghost they could take home the precious pieces of wood and be assured of a few minutes' warm, cheerful fire.
The party from the center was passing through a yard on North street and was stopped by a woman who said the spook was out Monday evening, although it kept out of the way of the searchers. The residents of that section seem to be divided on the question of ghosts. One young man, Bert Amsden, says that as he was going home the other evening he saw a white thing out in the field. He fired four shots at it and his brother fired once. Apparently they hit something, as there was a scream and then the figure got away in pots haste.
Miss Lizzie Landgrebe, who lives near Amsden, discredits the statements regarding ghosts, and does not believe there is any such thing there. It was stated last week that she and her sister were chased. And she strenuously denied it.
The searchers last evening included: William Murray, William Scanlon, Bolles Dustin, John Harrington, Eugene McCarthy, Leo Allen, William Brawdrex, Barney Chandler, John Macomber, Samuel Osgood, Eugene Curley, Thomas McManus, Frank Elliott, Mark Snow and Ralph Caswell.
[Brockton Times, October 15, 1902]
Spook Takes a Rest
Middleboro Flurry Wanes While It Keeps Undercover
The ghost sensation is at a low ebb. The spook has not been seen for two days. Even though it has not been around lately, it is not thought it is out of business.
[Brockton Times, October 16, 1902]
The ghost, in fact, was "out of business". No further sighting of the figure, nor who was ultimately responsible for the diversion in 1902, was ever recorded.
Muttock, c. 1900, composite photograph, 2009.
During October, 1902, an apparition in white was seen by several witnesses about Muttock frequenting the wooded area about North and Everett Streets. While residents remained both skeptical of and unperturbed by the suggestion of spirits, they were unable to capture the perpetrator of the "ghostly" visits.
Muttock, photographic negative, late 19th century.
Brockton Times, October 13-16, 1902
Posted by Mike at 8:45 PM
Labels: curiosities, Muttock
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text:
There is so much good "cycling 101" type information online that I hesitate to repeat it. Instead, I will tell you what I would tell my good friend Kara if she were coming out on one of the WOW group rides this spring.
What, you ask, is a WOW group ride? It's Women on Wheels, Kansas City's women-only, no-drop group ride! We ride once a month, in locations all over the city. New riders are paired up with mentors, nobody is left behind, and it's a big group of 30-50 women, all skill and fitness levels and backgrounds. There's a 5 mile option and a 15 mile option. This year's first ride is on March 11 - check out the full schedule here!
OK, so what would I tell Kara?
What to bring:
1) The "must-have" list: You'll need a bike in good working order. You need a helmet and a bottle of water. Even if it's cold out, don't ride without water. Be self-sufficient and don't make your ride buddies have to look out for your hydration.
2) Best to have: A spare tube. Stick it in your saddle bag or your back jersey pocket. Since you're in a WOW group ride, your mentors can help you fix a flat if you get one and don't have tools. If you are out on a ride by yourself, you are taking a chance if you don't carry tire levers, a pump or CO2 cartridges, and a patch kit.
3) Great to have but don't let it stop you if you don't have: Bike shorts. You can ride 5 miles without padded shorts. More than that might become uncomfortable.
What to think about:
For your safety and others' safety, have the mindset that awareness is key. You will not be riding along blithely, playing in traffic, unaware of cars and just hoping they pay attention to you. Think what it feels like to be driving a car past a cyclist, and practice the golden rule. As a driver, you hope that the cyclist knows you are there. So you will be paying attention. And in a large group, you will be learning to ride safely and confidently.
What NOT to worry about:
Being slow. Being a little shaky. Not stopping gracefully. Being left behind. Being clipped in for the first time. Not being clipped in. Whether your bike is good enough. Whether you are strong enough. Whether there will be hills.
Don't worry about any of that! The wonderful thing about riding a bicycle is learning that you can handle anything the ride brings you. I don't know any way to learn that confidence without riding through your lack of confidence — riding STRAIGHT through it, busting a big ol' hole in it.
I would tell Kara that I'm not going to leave her on the ride, and that we're going to have a good time. Riding a bike is a good time!
"But," suppose Kara says, "It's such a long way from these first rides to being able to do the triathlon."
"Not as long as you might think," I say. "And every time you turn the pedals you are putting an even stronger pedal stroke in the bank for race day."
For more info on first-time ride preparation, visit the WOW web site. See you on the ride!
WINforKCWed: Cycling 101
There is so much good "cycling 101" type information online that I hesitate to repeat it. Instead, I will tell you what I would tell my good friend Kara if she were coming out on one of the WOW group rides this spring.


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Actor Rohan Mehra gives us a sneak peek inside his closet
In his hometown of Amritsar, Mehra used to splurge on high-end fashion brands. Shifting to Mumbai has, in some ways, led him back hometv Updated: Apr 28, 2017 17:39 IST
We meet actor Rohan Mehra (29) at his Goregaon apartment a few weeks after he has finished shooting for Big Boss. "Most of my clothes are still in suitcases, and at home in Amritsar," he says. However, he enthusiastically gives us a walkthrough of his closet which mainly comprises jackets, caps and ties.
Malls to the rescue: "I love to experiment with casuals. My favourite brands are Jack & Jones, Zara, Versace and Armani. I have several belts by Gucci. I tend to go to malls a lot. In Mumbai, you'll often find me at Palladium (Lower Parel) and Oberoi Mall (Goregaon). In Delhi, I splurge at DLF Emporium. I also shop for designer wear from Vavci, a design studio for men in Amritsar."
All about jackets: "When I was studying in St George's College, Mussoorie, I was obsessed with jackets. I still buy them often. Currently, I love my collection of leather jackets from Zara, and a couple of casual jackets from United Colors of Benetton."
Read more: Behind closet doors: Imran Khan talks style
Couture shock: "In Punjab and Amritsar, people flaunt a lot of brands. When I was growing up, I used to wear a lot of Armanis, Diors, Burberrys and Guccis. But when I came to Mumbai for work, I immediately understood the difference. Here, people wear a lot of casual, high-street brands. I now step out in shorts and polos, and have started shopping from Calvin Klein, UCB, and Jack & Jones."
Wardrobe staples: "I always carry a pair of T-shirts, some checkered shirts, jackets, denims, and a pair of loafers and sneakers when I travel."
Read more: Actor Daisy Shah gives a sneak peek of her closet
Suit up: "When it comes to formal wear, I absolutely love tuxedos. I have a huge collection of them. When I was at the Bigg Boss house, I would wear a new one every week. I often get my tuxedos stitched from my personal tailors in Delhi and Amritsar."
Cap-it-all: "I am big on caps. I don't like hats much, but you will find plenty of snapback caps in my wardrobe."
First Published: Apr 28, 2017 00:00 IST


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This should cause a bit of nervousness on this side of the pond. Hate to burst their bubble, but...
The Times
November 16, 2006
Banks told to predict effects of a 40% crash in house prices
BANKS in the UK have been ordered by financial regulators to assess how they would cope in the event of house prices crashing by 40 per cent.
The instruction to include a housing slump scenario in their stress-testing models comes after the Financial Services Authority found that some banks were failing to include gloomy enough assumptions in their modelling.
The FSA said yesterday that an "appropriate" benchmark was to assume property prices fell by 40 per cent and that 35 per cent of mortgages in default ended with homes being re-possessed.
It stressed that this was not a forecast but a "severe but plausible scenario" and one that banks should examine when deciding how robust their balance sheets were.
In a speech to the British Bankers' Association yesterday, Clive Briault, the FSA's managing director for retail markets, remarked on banks' differing views over the size and impact of a house market downturn, hence the need for reference points.
He also warned bankers to ensure that they have properly stress-tested their mortgage portfolios in the wake of decisions by some to lend people greater multiples of their incomes.
In a letter to bank chief executives last month the FSA accused some of failing to consider scenarios in which they might be forced into losses, dividend cuts or capital shortfalls.
"We were struck by how mild the firm-wide stress events were at some of the firms we visited," wrote the FSA's director of major retail groups, David Strachan.
A few banks were "weak in all respects" in stress-testing.
House prices fell about 15 per cent nationwide in 1989-1992, and in parts of East Anglia by 40 per cent, leading to repossessions, write-downs and bank losses.
Banks are obliged to stress-test hypothetical adverse movements in asset prices, interest rates and exchange rates to ensure that they have a sufficient capital cushion. But stress-testing is only as robust as the assumptions made.
The FSA move came as UK house prices grew at their fastest for four years, according to new figures from RICS.
November 16, 2006
FLASH: UK banks told by FSA to prepare for 40% housing price fall, 35% mortgage default rate, in "severe but plausible scenario"
This should cause a bit of nervousness on this side of the pond. Hate to burst their bubble, but...
Posted by blogger at 11/16/2006
37 comments:
U.S. housing slump deepens, spreads
Other sectors are starting to feel the pain
WASHINGTON -- First, Americans quit buying homes. Now, they may have stopped fixing and furnishing them too.
Home Depot Inc. reported a 3-per-cent drop in profit in the three months that ended in October, amid mounting evidence that the U.S. housing slump is getting worse.
"I don't think we've seen the bottom yet, and I don't see anything that says it's going to get significantly better in 2007," said Bob Nardelli, Home Depot's chairman and chief executive officer.
Mr. Nardelli said job losses in the home construction market are the worst he's seen in 35 years, and the pain is starting to spread to the home renovation market.
"The loss of jobs . . . in the home construction market is at unprecedented levels," Mr. Nardelli told analysts on a conference call yesterday. "Home builders [are] basically writing off earnest money and liquidating land. We're starting to see a lot of that unemployment find its way over to the small repair and remodel contractors."
- November 16, 2006 6:31 AM
House prices most overvalued since 1948
BRITAIN'S housing market is more overvalued than at any time since 1948 as buyers compete to snap up scarce properties, according to Dresdner Kleinwort.
The research will fuel fears that easy credit is inducing buyers to pay too much when buying their homes and over-stretch themselves financially.
The ratio of house prices to disposable incomes typically peaks at more than six times, the analysis reveals. On this measure, peaks in the housing market were seen in 1948, 1973, 1988 and 2006.
The current ratio is higher than in all previous episodes apart from 1948, when private homes were very scarce after the second world war.
David Owen, an economist at Dresdner Kleinwort, said: "There was an earlier period when inflation and interest rates were both low and the UK housing market was as expensive as it is today: the late 1940s. As in other housing corrections house prices then fell in real terms by over 30%. They also fell in nominal terms."
After each previous peak, house prices went on to fall sharply in real terms, usually by more than 30%. In nominal terms, house prices fell in the low inflation period of the late 1940s and 1950s, including in 1949, 1952, 1953 and 1954. They also fell in nominal terms in 1990, 1991 and 1992.
- November 16, 2006 8:46 AM
I am sick of talking about housing. Is that all you people ever talk about? Don't you talk about anything else?
You people make me SICK! You are all pathetic.
I don't have time for this nonsense, I have to go camp out outside Target to get myself a Wii.
- November 16, 2006 2:10 PM
at the very top of this page there are some words.
they are blue and a little bigger than the words you type.
got that?
k, kewl, now tell me what they say.
- November 16, 2006 2:41 PM
- LauraVella said...
This is huge news. Wait till this gets revised American style.
Get ready for the Winter of discontent.
- November 16, 2006 3:24 PM
- Hard assets said...
It looks like the U.K. is aware of the problem. Why haven't the U.S. regulators done the same thing? Stupid? Or just don't give a damn? Maybe both!
- November 16, 2006 3:35 PM
- The Stinker said...
The blue letters say, "Show Original Post"
- November 16, 2006 3:57 PM
Canada is slowing down too.
"Home sales slide in Vancouver and Calgary"
- November 16, 2006 5:20 PM
- wizardofozziejurock said...
Britain's unemployment has risen sharply and is now at highest level since Spring of 2000.
source: http://tinyurl.com/ynfhhv
And yet house prices rising to record highs.
No wonder the banks are being asked to srap on the crash helmets.
- November 16, 2006 6:19 PM
The UK is toast. Here's a reiteration of prior posts...
The entire UK's economy is the London financial services industry.
From a fundamentals pov, England hasn't produced anything since the fall of the Empire cerca 1965-1972.
So in a way, London's like NYC but without a country like the USA adjoining it. And if American corporations don't get their acts together soon, then the US will also go the way of England but at least there's some twenty years left of productive value in the States.
So, when there are other chic/happening cities like Amsterdam, Paris, or Milan for rich, globe trotting bankers/oil men/movie stars, why would they buy up 90-100% of the UK's properties just to help out the average Briton with an ARM? I think those posh places in Chelsea are already accounted for and the country's RE has only one way to go... down.
"I hear the russians are especially interested in converting their wealth into UK assets so that when the government tries to steal the money back, it'll be overseas."
The only UK assets are RE, Pound Sterling, and Hedge fund shares/equity. So there's a limit to the diversification going on over there unless the foreigners are going to buy all of the UK.
"Russians and saudis are buying UK PROPERTY - houses. don't forget that asset class"
Well, condos in NYC are also a million dollars per unit so it's one of those chic cities where rich people buy places, however, unlike NY, London is the only economy for the whole of the UK. If anything, RE in England is the South Sea bubble all over again except that this time, there's no USA to emigrate to for the average Briton like three centuries ago, whereas the US, still has a military-industrial research complex, raw materials (esp coal), biopharma, foodstuffs, etc so the collapse of America's service sector wouldn't destroy the country, it'll spawn a painful one or two decade bear market (ala depression) whereas England's toast if their hedge funds go belly up or the rich ex-Soviets start to look at Amsterdam or Copenhagen for places to buy. And to be frank with you, if I were rich, I'd much rather hang out in those places over England.
"When the global economy melts down or world war breaks out, the question is where will you want to be? In London or Jerusalem? In Seattle or Damascus?"
When did banana republics vs real nations become the highlight of the issue?
If anything, Ottawa Canada is the safest place in the world and its real estate is the most affordable for a modern, developed, beautiful city by a river. The difference between Ottawa and London is that London serves a dual nature of being a hedge fund center (a.k.a. UK's NYC) and in a developed first world nation away from places like Russia or Syria.
So when a place is oversold, real estate in New York City, Vancouver, or London, it becomes another phenomena of overvalued parcels of land and units where the expectation is that the rich are going to soak up everything, keeping the average middle class person asset wealthy via the creation of a localized wealth effect. That's a bubble zone. A rich oil man can buy one or two units in London to meet with his broker, a mansion (or two) in Ottawa a/o Oslo for his multi-acre landed estate, and a basket of currencies including the pound, loonie, usd, euro, corona, and a pile of gold/silver all over the US, Canada, Australia, Germany, and England and the chances are that he'll retain his wealth even if there's an overthrow of his govt in Bahrain. Simultaneously, he's hedged his bet because not all major cities are going to implode 1990s Tokyo-style so his private RE holdings are nicely diversified to hold up during market downturns. I mean a lot of multi-millionaires got roasted because they'd bought hotels in Toyko in the 1980s thinking that they'd retain their RE equity, not to find themselves in an illiquid position costing them ten years later.
::They say the wealth of the top .01% has increased 600% in 20 years. Has your paycheck? At that increase I guess 20% appreciation a year say in London sounds like a bargain buy.
Yes, I agree with the localization of the wealth effect and for that exact reason, Manhattan apartments average 1 million dollars per unit. But now think about this... the rich can only make money if they have an asset class that's of value to a certain number of people. So, when people find that living in NYC is too expensive for the *average* blue chip professional, earning $400K/yr, then that crowd, the upwardly mobile but not too rich gang loses interest in a region and moves into cheaper locales in New Jersey, Putnam, Rockland, and Nassau counties in NY state and then even offices, which handle the transactions for the wealthier clients, move there as well, once the body count reaches critical mass. And this is pretty much what happened to Tokyo, during the 80s, as all kinds of rich people started buying downtown properties at prices equivalent to owning entire city centers in places like Boston, Houston, and Philly. Well, at that point in time, the well off manager salarymen (~$400K/yr) at Japan Inc moved 2 hrs away and the entire city of Tokyo became one speculative region for land/units via rich RE players (including organized crime bosses). The rest is history. And the problem is that that's the issue, there are only so many Malibus, Hamptons, etc out there for the top 0.001%. The other top 0.5% also need places to live in and it's this crowd which keeps RE alive in happening regions.
Someone else concurs:
"And the problem is that that's the issue, there are only so many Malibus, Hamptons, etc out there for the top 0.001%. The other top 0.5% also need places to live in and it's this crowd which keeps RE alive in happening regions."
Yep, high end enclaves are pretty much scoped out in much of the world. There are practically no "perfect" private beach castles in Tahiti, available for the average Japanese, European, or North American nowadays. Those places have already been bought out by millionaires or resort conglomerates which is why French Polynesia is one of the most expensive Pacific Island regions in the world.
In order for real estate to maintain an upward holding pattern in London, Sydney, NYC, or Los Angeles, the upwardly mobile professionals need to feel like they can afford to be a part of the action to generate the volume needed to create a real estate market or otherwise, we get a Tahiti situation where there are billionaire recluses and tourists hotels but no professional class buying places to live in.
- November 16, 2006 8:21 PM
- Shakster said...
- November 16, 2006 11:13 PM
- Mr. Funk said...
I don't believe anyone is out there trying to expose the present housing sham out of the goodness of their hearts
Maybe they just want to be able to buy a house to live in without a 50 year mortgage? That's sure as hell why I'm hoping for a housing market crash over the next couple of years. So by the time I'll be ready to buy, prices will be more reasonable.
- November 17, 2006 2:52 AM
This is awesome. please tell me some oversight agency in the US is doing the same.
- November 17, 2006 6:35 AM
Thankyou for this latest bit of news Keith.
Is this right around the corner for the US?
Just how long do these ignoramouses think people can go on "buying" homes that are priced so many times income?
Yesterday a head of State in South Korea (they've got a bubble forming there too) actually came out and APOLOGIZED to South Koreans who did not own homes for letting the bubble get so out of control!
When are we going to get an apology to Americans for this catastrophe?
South Korea is now bent on bursting their RE bubble before it gets any bigger. Good for them.
- November 17, 2006 6:48 AM
some questions for the thinker
if you make an a.t.m. withdrawl of your own money from a prepaid debit of say $20, and you are charged $1.50 for same, what kind of rate of return does that make?
if you're not sure about what you have available in your debit card account and make an inquiry and get charged .50 for checking, does that seem like a good deal?
- November 17, 2006 3:32 PM
- The Thinker said...
Hey Anon,
I don't know why you are asking me if I think the $1.50 fee is an appropriate charge for an ATM withdrawal, but since you asked, I would say that under the right circumstances it can be the best $1.50 you ever spend!
If you are in a bind and strapped for cash, the ability to access your bank account from anywhere worldwide can be a life-saver. At other times, it can save you a trip to your bank, and these days the gas it takes to get you to your bank would cost more than the $1.50. Also, you can travel to other countries and withdraw local currency from an ATM without having to pay the ridiculous money exchange fees.
However, on a weekly basis, I would recommend using your own bank's ATM and save the money. However, if you ever need the convenience of using another bank's ATM, it is nice to know that service is available to you.
- November 17, 2006 5:25 PM
If you are in a bind and strapped for cash, the ability to access your bank account from anywhere worldwide can be a life-saver. At other times, it can save you a trip to your bank, and these days the gas it takes to get you to your bank would cost more than the $1.50.
But you see, this ""need"" and savings is utterly artificial caused by the lack of reciprocity and barriers intentionally imposed by banks. Sort of like your neighborhood mafioso's "protection" service. You're in Good Hands with Lefty, hmm?
Consider the Internet. By contrast even though there are intermediate links and subnetworks run by competitors they each reciprocally agree to pass back and forth each other's traffic. At some point there could be balancing payments for bulk bandwidth mismatches but it may be too much trouble to worry about for most.
Communistic? "inbound packets according to one's needs, and outbound packets according to one abilities"
Sure, but it works great.
Of course, some idiot rent-seeking monopoly telecoms have recently want to stop this excellent system.
They want to charge, e.g., Google for "better" access to their bandwidth to their other parties. Of course that's again artificial, they promise no physical improvements---but could easily start dropping a few packets here and there for those who decide not to pay up.
The balance of power might be opposite---they should be paying Google the way cable companies pay for programming. It is small websites and individual commerce which would be charged higher rates for no good reason other than "they can".
- November 17, 2006 5:38 PM
apologies, I really should filter my writing through spell checker - my bad
- November 17, 2006 5:58 PM
- borkafatty said...
HAHAHAH! nice hey I went to the store the other evening to pick up milk and sh!t like that, so the line was long, and i stepped out of line to goto one of those lottery ticket machines
(see where i am going with this)
I never, I repeat never buy scratch tickets, I bought a $5 ticket and hit $50,000 no bullshit...I was so excited I walked out the store with out paying for my shit! to funny..nice profit for a $5 dollar investment wouldn't you say! 10 day hold on that deposit..that new truck i was talking about a few weeks ago just got paid in full ...nice! and I paid my property taxes off for the year!..and still a nice profit...thought i would share my good fortune with you.
shit happens when you least expect it thats for sure.
- November 17, 2006 7:42 PM
- borkafatty said...
great read as to where you stand on the Income food chain per state...before you read this may i suggest a swig of booze, a big fat green bud, or a six pack, what ever your preference is, as it is quite depressing to say the least.
- November 17, 2006 8:00 PM
FMW is hot.
- November 17, 2006 8:22 PM
- The Stinker said...
Hey borkafatty,
Not to burst your bubble, but nearly a third of that lotto payout belongs to your Uncle Sam, so don't spend it all in one place, April 15th isnt that far away.
- November 17, 2006 10:56 PM
"I don't believe anyone is out there trying to expose the present housing sham out of the goodness of their hearts"
Look, I bought in the trough and I've made money and now my taxes are doubling because of excessive consumers.
I hate excess.
I hate it when people make quick money because more often than not it goes straight to their head and makes them think they're good instead of lucky. This leads them to keep on taking more risk instead of counting their lucky stars and they end up losing.
This affects society, community and relationships.
I know I'll be one of those picking up broekn pieces and I won't even be able to say I TOLD YOU SO!!!
- November 17, 2006 11:04 PM
Dear Borkafatty, congrats. I'm so glad you won and not one of the coward republicans around here. The only thing I want to happen to republicans is they die horrible prolonged painful meaningless deaths. Repukes are cowards and traitors, they don't deserve to be alive.
- November 18, 2006 12:46 AM
- borkafatty said...
Hey borkafatty,
Not to burst your bubble, but nearly a third of that lotto payout belongs to your Uncle Sam, so don't spend it all in one place, April 15th isnt that far away.
already accounted for
- November 18, 2006 1:36 AM
If real estate never goes down, why on earth do people sell?
- November 18, 2006 1:49 AM
Housing Expected to Level of in Spring '07
COLUMBUS OHIO (ZINGER) — The nations homebuilders are in a slump that could well end next spring. The Federal Reserve is suspected of extreme money pumping which is showing up in record high stock indexes.
Several states, including Ohio, have much higher minimum wages going into effect in the 1st quarter of '07; which is expected to create a wage push inflationary effect throughout the entire economy. Under the new Democrat controlled Congress it is widely expected that national minimum wage hikes will soon be enacted.
All of these events are causing our Money Supply to sky rocketing higher- which in turn will act to support a saging housing market at some point. Most likely the support will hit the market during the normally strong spring home buying season. [Z]
Zinger is a blogger on www.housingpanic.blogspot.com
This article is placed in the public domain by its orginal author.
- November 18, 2006 4:52 AM
- The Stinker said...
- November 18, 2006 5:52 AM
my realtor buddy just got an offer on one of his listings:
80% 1st at 7% (arm)
20% 2nd at 11%
The couple is in their 20s. He's in school. She's an ad rep.
- November 18, 2006 7:25 AM
- UpFrontAgent said...
I've seen builders in downtown L.A, as well as builders in San Bern County offer lucrative rebates to brokers these past two months. Some as high as 5% broker co/op. They've been increasing ever since about 2 to 3 months ago and possibly before that.
Sometimes you can tell that these builders, like K-Hov and Lee Homes, are getting a little desparate when they have overly optimistic articles when the market doesn't seem to share to much of that optimisum.
Buyers are scared that prices will continue falling but only because the tv says so. There are pockets of areas where values have gone up, stayed the same or even stabalized.
Here in downey ca where I live prices have remained the same over all. Since the market has just cooled off I don't know which way things are going to head.
What I do know is that sellers will have to realize that this is a buyers market and that listing agents will have to increase their buyer agent compensation to at least 3% along with seller incentives to buyers.
- November 18, 2006 8:14 AM
Increase buyer agent compensation to 3%? It's always been an equal split of 6% between listing/buyer agents around here....... Well, I guess most brokers are now charging a 7% listing fee so 3.5% a piece.
- November 18, 2006 3:19 PM
- LauraVella said...
Anon said:"my realtor buddy just got an offer on one of his listings:
80% 1st at 7% (arm)
20% 2nd at 11%
The couple is in their 20s. He's in school. She's an ad rep".
It's crazy I tell ya. What are two 20 somethings doing trying to buy a million dollar house anyway?
My guess is it's all about bragging rights.
- November 18, 2006 3:40 PM
- LauraVella said...
- This comment has been removed by a blog administrator.
- November 18, 2006 3:51 PM
- LauraVella said...
- This comment has been removed by a blog administrator.
- November 18, 2006 3:54 PM
- LauraVella said...
Bork said:"I never, I repeat never buy scratch tickets, I bought a $5 ticket and hit $50,000 no bullshit...I was so excited I walked out the store with out paying for my shit! to funny..nice profit for a $5 dollar investment wouldn't you say"!
I can't believe it Bork. Congrats to you! Thats funny because I don't gamble either and never play lotto, but I am thrilled you won big playing scratch-offs! Your right, you never know what's going to happen! Gee, maybe I should go buy afew! Psst-What lotto did you play?
I agree with Stinker- dont spend it all because the tax man wants 1/3 of your winnings!
Happy Thanksgiving Bork!
- November 18, 2006 3:56 PM
- Veronica Lodge said...
FLASH: UK banks told by FSA to prepare for 40% housing price fall, 35% mortgage default rate, in "severe but plausible scenario.
Isn't there a plan in the UK to do 125% financing? Why stop there? Just add another 15% and the problem is solved.
Here's how this exciting new financial product might be structured: A 140%, interest-only loan with a 3-year, 2% teaser-rate, negative-amortization option. Better yet, add in another 10% to cover the mortgage payments for the first couple of years.
However, if house prices don't go up at least 20% per year during the teaser-rate period, 200% loans will then be needed.
- November 19, 2006 5:26 AM
- James Baker said...
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- December 11, 2006 8:13 AM


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There is no doubt why these other "politicians" hate him. Thankfully, Mitt was the great Statesman last night and a true gentleman. America will be so grateful for Mitt Romney. And I should also mention that contrary to Huckabee, this is a first class example of the Christian ideal of "turning the other cheek".
Posts Tagged 'Negative Attacks'
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McCain, Huckabee – Definitely Not Winning Now
Posted in GOP2008, Huckabee, McCain, tagged Huckabee, McCain, Negative Attacks, Romney on January 6, 2008| Leave a Comment »
"Let me make one more point about that debate last night and all those people taking on Mitt Romney the way they did as if he were the frontrunner which clearly he is not as those polls indicate. I don't know how many people saw that debate. It was up against football. The games were exciting. I'm not sure how many saw it. But if a lot of people saw that, I think what they saw was not John McCain at his best, when he is the statesman and a soft spoken, mild mannered, highly articulate, seasoned representative. I think what they saw was John McCain perhaps at his least attractive. He was scornful. He seemed almost an occasional moment even petty. That's not the John McCain people have come to admire and like. Mitt Romney actually held up under that attack pretty well. He never lost his composure. He pressed McCain I thought effectively on the alleged amnesty measure and so on. There's a distinct possibility in my view that contrary to all the media conventional wisdom is that Romney won that debate. The question is how many people saw it." (Fox's "Fox News Sunday," 1/6/08)
Dan Riehl at Riehl World View analyses the dial-testing of last night's debate and finds that New Hampshire voters rejected the negative personal attacks launched by Senator McCain and Governor Huckabee. Here's the YouTube video. I think it speaks for itself:
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"At certain moments it had the effect of making Romney look more sympathetic, at others it made him look like the only adult on stage, and at others it made him look like he must be the front-runner, since people were so determined to take him down a peg. McCain in particular seemed to go too far, looking and sounding downright snide at times." (Noam Scheiber, "Too Much Romney-Bashing," The New Republic's The Stump, http://blogs.tnr.com/, Posted 1/5/08)
Watch Sen. McCain's Vitriol:
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Political Observers Noted Sen. McCain's Nasty, Personal Attacks During The Manchester Debate:
The American Spectator's Philip Klein: "Is He Going Too Far?" "All of the animosity that McCain has toward Mitt Romney is coming out tonight. Is he going too far?" (Philip Klein, "McCain: I Agree That Mitt Is Candidate Of Change," The American Spectator Blog, www.spectator.org, Posted 1/5/08)
The Washington Post's Chris Cillizza: "Disdain." "A clearly heated McCain, whose disdain for Romney was on full display tonight…" (Chris Cillizza, "The Republican Debate: The Roundup," The Washington Post's The Fix, www.washingtonpost.com, Posted 1/5/08)
National Review's Andy McCarthy: "Cheap Shot." "Moron Moment for McCain … and why some of us will NEVER support him. Cheap shot at Romney (candidate of change) as a set up for saying what a really fine guy Obama is." (Andy McCarthy, "Moron Moment For McCain," National Review's The Corner, http://corner.nationalreview.com, Posted 1/5/08)
The New Republic's Noam Scheiber: "Downright Snide." "At certain moments it had the effect of making Romney look more sympathetic, at others it made him look like the only adult on stage, and at others it made him look like he must be the front-runner, since people were so determined to take him down a peg. McCain in particular seemed to go too far, looking and sounding downright snide at times." (Noam Scheiber, "Too Much Romney-Bashing," The New Republic's The Stump, http://blogs.tnr.com/, Posted 1/5/08)
Politico's Jonathan Martin: "McCain Lobs Another Grenade." (Jonathan Martin, "McCain Lobs Another Grenade," Politico, www.politico.com, Posted 1/5/08)
National Review's Kathryn Jean Lopez: "Unattractive." "That McCain follow-on was unattractive from a man who is better than that." (Kathryn Jean Lopez, "I've Lived…Change." National Review's The Corner Blog http://corner.nationalreview.com, Posted 1/5/07)
Michelle Malkin: "Snidely… Cackles." "McCain snidely attacks Romney: 'You are the candidate of change.' McCain cackles." (Michelle Malkin, "Saturday Night Jive," Michelle Malking Blog, http://michellemalkin.com, Posted 1/5/08)
Riehl World View's Dan Riehl: "Well-Known Temperament Problems." "If you were looking for substance across the board on issues, I think Romney was the clear winner in tonight's debate. McCain's well-known temperament problems lingered barely below the surface much of the evening, especially when someone dared disagree with him. Except of course, for his hugs for Hillary and slaps on the back for Fred. This is a change election and old hands from the Senate will not get it done." (Dan Riehl, "ABC Debate: It Was Romney's Night," Riehl World View Blog, www.riehlworldview.com, Posted 1/5/08)
CBN's David Brody: "We'll See If Voters Think McCain's Attacks Crossed The Line." "Then McCain tussled with Romney over immigration and told him that Romney could spend his whole fortune calling McCain's immigration plan amnesty but he'd be wrong. Man, going after him for being rich, that's a blow. We'll see if voters think McCain's attacks crossed the line." (David Brody, "Brody File Reaction TO Republican Debate," CBN's The Brody File, www.cbn.com, Posted 1/5/08)
National Review's Andy McCarthy: "For Amnesty Before He Was Against It." "McCain — the guy who was for amnesty before he was against it before acknowledging that it's the only solution and is not amnesty in the first place except it kinda, sorta is, except that he'd never be for amnesty — says Romney is the 'candidate of change.' Change. You'd almost think of a resolutely, died-in-the-wool pro-lifer filing a brief in the Supreme Court to suppress the First Amendment rights of a pro-life group to help pro-abortion incumbents get elected … not that Senator Straight Talk would ever do such a thing …" (Andy McCarthy, "Re: Romney And The Onslaught," National Review's The Corner Blog, http://corner.nationalreview.com, Posted 1/5/08)


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Mission trips can be some of the most amazing and transformative experiences of your life. The opportunity to meet, get to know, and join the community of people who live far away and very differently from yourself is profound, as is the feeling of doing something truly useful every single day. When you're out on your mission trip for days, weeks, or even a few months at a time, you become accustomed to waking up in your new home, spending time with your new community, and dedicating every day to your mission. Needless to say, it's a little hard to leave it all behind.
Whether or not your mission trip has been 100% successful with no surprising allergic reactions, injuries, or important supplies forgotten somewhere, coming home can be the most difficult part of the trip for everyone who went, but it doesn't always hit you right away. Packing up, hugging everyone goodbye, and jumping back on a plane to head home is exciting and most missionaries will be eager to get home. The hard part comes when it's time to reassimilate into the 'normal' lifestyle you left behind before the mission trip. It can be hard to accept going back to work or school instead of building houses, digging wells, or running a clinic with the people you grew to love on your mission. It can be even harder to listen to friends and family talk about things that don't really seem to matter anymore in comparison to the troubles and interesting lifestyles you've just left behind.
As a mission trip leader, you can both be aware of the post-mission blues and think of helpful and truly Christian ways to help your group readjust to their normal lives back in suburbia.
1) Have a Talk on the Way Home
If you've seen the post-mission-trip blues before, it's perfectly okay to warn your fellow missionaries about what to expect when they get home. Gather everyone while you're waiting in the airport, or on the flight home if you're sitting close enough together, and talk about what it will be like to return to normal life. Even if first-timers are skeptical, cover how they might go through their own stages of grief as they realize how much they miss the people they left behind and how difficult it might be to adjust from doing good works every day to going back to normal work and school. Finally, make sure they understand that while their loved ones at home may have a hard time understanding, it's important to share and reconnect. Reassure your team that if they have any problems, you'll be available to talk about it.
2) Stay in Touch
The second step to positive post-mission recovery is to ensure that the new friendships made with those you worked with on the trip don't fade into obscurity. Collect everyone's contact information before you leave, in whatever form it's available. Depending on where and with whom you spent your mission, these could be cell phone numbers and email addresses, home addresses for letter writing, or just a list of names and the number for the village's one post box. No matter what it takes, make sure you, your team, and your new friends can all keep in touch.
3) Continue Meeting as a Group
In many cases, people who come together to go on a mission trip may not know each other very well beforehand but grow quite close over the course of the trip. Because these bonds were formed in a strange environment, it's all too easy to let them slip when you get home and back to the usual routine. However, the group you mission with is also the best support group you can have for the post-mission blues. They know what you went through, the people you're missing, and the activities you'd rather be doing instead of the seemingly monotonous busy work of life back home.
Make sure the group continues to meet at least once a week in a shared Sunday class, bible study, or just an evening get-together. This is also the perfect time to break out that contact information and encourage everyone to become long-term pen-pals with their new friends far away.
4) Tell Your Stories
When you can't seem to shake an experience, good or bad, sometimes the best way to deal with the situation is to tell your story. When you return home, consider scheduling an opportunity during service or a church gathering for your team to step forward and tell their favorite stories from the mission. You should also encourage your fellow missionaries to tell their stories to friends and family at home to help build understanding and encourage others to join the next mission trip.
5) Send Care Packages
Helping people is a wonderful experience and once you start, it's very hard to stop. Especially when you care personally about the people involved. While you may not be able to make it back to the group of people you got to know while out on your mission, you can send them a lot more than letters. Boxes of supplies, medicines, entertainment, and toys for the kids are all welcome along with anything else you know their community needs because you spend so much time with them.
6) Volunteer Together
One of the major problems coming back from a mission trip is the feeling of uselessness. Who cares about math class or endless office work when you could be out there helping people in need? Doing good works all day long is hard to quit, so why try? Instead of trying to leave charity behind and completely adapt back to normal life, organize charitable works right in your home city and invite along the whole group plus whoever has heard their stories and is moved to join you as well.
7) Plan the Next Trip
Finally, the best way to ease the feeling of missing your new friends and wondering how they're doing is to make plans to see them again. Planning a perfect mission trip takes time and there's no harm in starting your plans almost immediately after returning home. Working on these plans will help everyone shake the blues of leaving behind the mission trip that just ended and it's a great way to spend time thinking about how to help people.
The end of a mission trip doesn't have to be the end of teamwork and charitable projects. If you want to help your fellow missionaries shake the post-mission blues and stay connected, bring the good works home with you! When everyone is busy telling their story, spreading the word about how wonderful mission trips are, and organizing similar helpful projects in their own neighborhoods, there won't be any time to get sad.


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WikiProject Uganda/Conventions/Barriers
|WikiProject Uganda +/-
|WikiProject Uganda/Conventions/Barrier
|Draft (under way)
|Proposed by:
|Bert Araali
|Applies to:
|An extended and advanced scheme to tag all kind of barriers typically found in Uganda
|Drafted on:
On this page, WikiProject Uganda/Conventions/Barrier we'll try to make a list of Ugandan barriers typically found on or along official roads, tracks, paths and hiking/cycling routes.
A barrier is a physical structure which blocks or impedes movement. The barrier tag only covers on-the-ground barriers, it does not cover waterway barriers (dams, waterfalls...).
This page is under construction, barriers can be added as required in mapping projects. It is intended to help those mappers in Uganda that are new to the project, or those more experienced but looking for a common way to tag barriers in the country.
Please note: This is intended as a guide based on what contributors to the page think is best. There may be other equally acceptable alternatives - if so add them to this page with an "or" separator, or discuss first on the discussion page.
Please also note: Some of the tags here may not appear in Map Features and are suggestions instead to cover a requirement. As a result some validator tools may highlight them as errors to be checked.
Please visit the wiki page Barriers.
We distinguish, describe and give guidelines on how to map them properly on the following types:
Area barriers: this type of barrier is not described as a standard on the wiki. However many occur along the roads and are important features which should always be mapped in Uganda. One of the most important examples are f.i. flowerbeds along roads and at major junctions.
Linear barriers: to indicate the name of roads, educational or information signs along roads and on buildings etc...
Nodular barriers: to indicate the directions to different destinations or names of places or routes.
Area barriers
How to map
|Sign type
|Possible or proposed rendering
|Public billboard - trunked
Major public billboards located typically along major roads. The advertising content can change often as it is sold or leased by authorities or officially contracted companies to advertisers on a limited time base. It is a grounded advertising billboard, supported by a single trunk, some lit by transmission, and/or animated with winding posters, multiple sides, installed on public domain along (busy) public roads. Very common type of advertising device.
They can be represented on a map either by a single node (at the center or located at the support post) or by a way. So the tagging might apply to a node or to a way.
Add tagging as described on the wiki page Tag:advertising=billboard.
In Uganda we distinguish the Public billboards from the Private billboards by always adding the tag land_property=public for this type.


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Will + Ivey Holiday Pop-up Sale
Y'all remember Will & Ivey—the local children's clothing line with a mission to serve those in need, especially children, around the world—from our last newsletter, right? Well we're excited to host designer Sandra Ney and her amazing business again for a Will & Ivey Holiday Pop-up Sale!
Stop by Vignette December 4th and 5th from 10 a.m. until 5 p.m. to shop the clothing line, preview the spring collection and enter to win a $50 Vignette gift card and a $50 Will & Ivey gift card.


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DAY 1 - 128.2 kg
I'm naming and shaming myself after seeing the number on the scales this morning.
It's time to revert back to being anal about how I deal with this. I'm letting my bad angel (emotions) take over again, it's time for my good angel( me) to step in. I have to be precise down to the last grain of rice in what I stick into my gob.
No excuses,no slip ups,if I was invited to Queen Elizabeth's birthday bash I would not go - I just have to be tough on myself.
Tuesday 15 April 2008
DAY 1 - 128.2 kg
Posted by celtic_girl at 06:51:00
6 comments:
- CactusFreek said...
Good girl! thanks for the advice, and ditto :o)
It's too easy to justify what we eat isn't it, no matter how small or low in calories the item is? But all thoselittle things add up. As they say over at Weight Watchers, "Pickers wear bigger knickers." lol
I wouldn't go to the queens either. I bet they'd just serve cold tea and stale scones :oÞ
- 15 April 2008 at 09:13:00 GMT+10
- angelfish24 said...
You can do this! The food below looked lovely though. My key is exercise so I can have some of the good stuff. But, I'm just maintaining now. I need to get to work too.
- 15 April 2008 at 10:02:00 GMT+10
- Spider63 said...
When I read that title I thought you were going to start one of those Hoblogs that seem to be very popular in some (hind) quarters.
Thank heavens your only vice is food!!
- 15 April 2008 at 11:02:00 GMT+10
- Carlton said...
You can do this, just take it one step at a time.
- 15 April 2008 at 22:56:00 GMT+10
- Mick said...
Keep at it, you can do it.
- 16 April 2008 at 02:03:00 GMT+10
- Nona said...
Anal doesn't work for everyone, but it's been working really well for me. It is very hard for me to lose weight and it just doesn't work for me unless I am clean and consistent. Good luck honey!!!As someone else suggested, just take one day at a time.
Btw. I wouldn't go to the Queen's either. She's too sour ... oops!!! Did I say that? ... errr ... long live the Queen!!! LOL!!!
- 19 April 2008 at 00:59:00 GMT+10


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Some stashbusters are having a mini retreat today - the official retreat is in two weeks. After a walk along the beach this am I've been nose to the grindstone today. It feels great - and I got two sets of fabric postcards done. An online post card group I belong to kind of derailed this summer and we're trying to get back on track. So we still had the summer cards to exchange and the fall ones - I got both done-done today! Hooray - I'm ready for the partners to be assigned and then I can mail them - I usually mail by the deadline but I'm not usually ready before partners are assigned! Yay for me!
On to the guild BOMs due this thursday. This month the applique block and the pieced block go together in the same wall quilt - very cute. I don't always participate but this was really cute. You can see the blocks if you go to the guild website. Pick "Blocks" on the menu on the left.
This guild has a great method for hostesses too. I'm now co-chair of the Hostess committee - but it's easy. Whoever has a birthday during the month brings a snack - so nobody has to pitch in more than once a year. If you miss your month you might be asked to fill in during the next month we need someone - but if you brought snacks - you're not asked again til your birthday again!
A friend came over this afternoon to learn how to bind. Thankfully I was able to find my 'binding square' that I made in a binding class 'oh-so-many-years-ago'. A great quilter in Lincoln - who won many, many ribbons at the state fair, taught us a revolutionary way to bind! No pins! Of course, it's the standard binding method now - but I remember being amazed. I totally recommend making a binding square example of what ever method you use. I honestly don't remember all the tips from finish to finish so it's good to pull the example out and read my tips.
Here's some tips on my square:
No seams on binding at corners.
Best width is 2 - 2 1/4" depending on thickness of batt.
Start 4" from beginning of binding - leaving space to tuck in other end.
Stop 1/4" from corner; fold 45 degrees up and fold straight down next side; sew from edge.
Well, off to make the blocks - and to wash the charm squares fabric! Almost forgot that!
doni @ Oregon coast
9 hours ago


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Joanne Gapinski, age 84 of Foley, died suddenly on August 20, 2018 doing one of the many things she loved, delivering vegetables and visiting with neighbors. Mass of Christian Burial will be 10:30 AM, Saturday, August 25, 2018 at St. Joesph's Catholic Church, Morrill. Rev. Leo Moenkedick will officiate. Visitation will be from 4:00 to 8:00 PM, Friday, August 24th at the Foley Funeral Home and one hour prior to the service at the church on Saturday. Christian Mothers Rosary will be at 4:00 PM followed by the Parish Prayers at 5:00 PM, Friday at the funeral home. Burial will take place in the parish cemetery. Service with Dignity provided by the Foley Funeral Home.
Joanne Catherine Gapinski was born on July 28, 1934 in St. Cloud, Minnesota to August and Susan (Risco) Ratke. She met the love of her life, Joseph F. Gapinski, at a train station in Minneapolis as Joe was returning from the Korean War. The couple married on September 20, 1955 at St. Joseph's Catholic Church in Morrill. They began their farming journey in 1955 at the little farm on the hill. The couple raised three children; Ken, JoLene and Alan. Joanne cherished the time she spent with her grandchildren. She was always on the move, whether it be in the barn feeding calves or her beloved cats. She could be seen working in her immaculate garden daily. Many people called her the, "Dill Lady" as her dill was like diamonds. Joanne looked forward to the summer gatherings where she'd visit with neighbors and relatives and bring her famous desserts and raspberry pie. Canning was her favorite time of year and she was famous for her canned pickles, beans and peas. She was a member of St. Joesph's Catholic Church and the Christian Mother's.
Joanne is survived by her children, Ken, Senoia, Georgia; JoLene (Joe) Morgan, Minneapolis and Alan 'Hippie', of Morrill, grandchildren; Katerina 'Kat' Gapinski, August G. Smith and Elerson G. Smith. She is also survived by her sisters; Dianne Brenny and Natalie (Ruben) Przybilla and many nieces and nephews. She is preceded in death by her parents and husband, Joseph, and a brother, LeRoy Ratke.


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Guildford Chat
Chat with local people in Guildford and England right now!
Chat with local people in Guildford and England right now!
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Easy going...fun loving ...:)
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I'm a girl gamer that loves her photography. Huge animal lover and obsessed with Supernatural (the TV show)
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Come ask ...
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I've written about centered zippers, lapped zippers, and invisible zippers here, so I think it's time to venture into exposed zippers! The new printed and metallic zippers by Coats and Clark are just too cute to keep hidden.
For my last appearance on PBS's It's Sew Easy, I showed how to apply an exposed zipper on a pencil skirt, and now we have the video to share with you. I like this method because it gives you a neat finish both inside and out. I hope you enjoy it!
Gretchen "Gertie" Hirsch is a passionate home seamstress and the creator of one of the web's most popular sewing blogs: Gertie's New Blog for Better Sewing. She teaches sewing in New York City, around the country, on PBS's It's Sew Easy, and on Craftsy.com. Her work has been featured in Sew Stylish, Vogue Patterns Magazine, Threads Magazine, Stitch Magazine, and on Jezebel.com.


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By making it far simpler to finance and pay for solar installations through leases, the industry has succeeded in making the technology far more interesting to homeowners and businesses that want to make on-site clean energy investments -- but don't have money in the bank to make it happen.
It looks like some technology providers from the wind and fuel cell industries are starting to borrow a page from the same playbook.
Perhaps most notably, fuel cell company Bloom Energy has teamed up with
It hasn't disclosed the amount of money that's available, saying only that BofA Merrill has made a multi-million-dollar commitment to the initiative.
But it does have two initial customers: the TaylorMade-adidas Golf Company will use the solid-oxide fuel cells at a manufacturing site in Carlsbad, Calif.; Bloom Boxes will also be installed at the Honda Center, the home arena for the Anaheim Ducks hockey team. The TaylorMade team cites the ability to use "existing budget" for its clean energy investment as one reason for getting on board with a Bloom Energy lease.
Bloom's technology uses natural gas or biogas to generate electricity that is considerable "cleaner" than grid-sourced power: it reduces carbon dioxide emissions by 40 percent to 100 percent, depending on the situation. Many technology companies, including
To be fair, Bloom has offered a pretty innovative financing option for its larger, repeat customers for two years: it's called Bloom Electrons, created in collaboration with Credit Suisse and Silicon Valley Bank.
The service (which is structured like a power purchase agreement between an electricity generator and a utility company) enables businesses and organizations to purchase Bloom-generated power for a fixed set of rates over a period of 10 years. According to the information on its Web site, the service can help cut electricity costs by up to 20 percent pretty much right away.
The new leasing program doesn't make the same promise -- it appears to be targeted at smaller, discrete installations -- but it does cut the upfront capital investment that you have to make in order to get a Bloom Box. Plus, it lets people hedge their bets for when (if) the technology improves.
Some of the organizations that use the Bloom Electrons service are the California Institute of Technology (its initial commitment was for 2 megawatts of power), Becton Dickinson, Kaiser Permanente, Walmart, Coca-Cola, and Staples. It is targeted at non-profits, educational institutions and utilities.
The stationary fuel cell market is estimated at about $1.7 billion this year, and is projected to reach $9 billion by 2022, according to forecasts by Navigant Research. Manufacturing and installations costs have fallen by 10 percent over the past decade, but there's still plenty of room for more.
Another program that I'm watching is WindLease, a leasing option for residential, agricultural and commercial property owners that was created by United Wind, which hired a new vice president of business development from none other than SolarCity -- a big-time pioneer in solar leasing -- earlier this year.
The company is actually an amalgamation of two existing startups: Talco, a wind turbine distributor that has been around since 2000 and represents a network of more than 100 dealers across the United States; and Wind Analytics, which has developed financial modeling software that helps estimate the wind energy production potential and cost implications of developing on a specific site.
United Wind handles the hard stuff for property owners: financing, permitting, and installation. Because, typically, this is where most on-site investments run into difficulty.
Can the leasing model that has helped drive far lower costs and far more mainstream adoption across the solar industry really benefit competitive technologies such as fuel cells and wind turbines? It's obviously too early to tell, but it certainly can't hurt.


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NiCo Construction, Inc. is a local company started by Nick Schminkey and based in Lindstrom MN. Although the name may be new, Nick has been a fixture in the local community for years running Shad Construction, Inc. Nick says the reason for the change is easy, "I'm a single dad, I can't go state wide managing jobs." He also states that, "the economy made a drastic change in the industry and we saw a flood of new guys without the experience changing the market and it made sense to start a company that gave the image of what we do." "The fish with a hammer was cool but that was started in 1998 when you couldn't hire a guy to do a remodel job, now it seems everyone with a hammer is trying to do the work." Nick has been in the construction industry before graduating High School, In 1998 at the age of 21 he was sickened by the quality of work going into the building boom and started his own structural framing company. The niche that Nick found was restoring or framing houses in St. Paul to look like the 100 plus year home that originally sat on the lot. This began the love of remodeling. Nick says, "I loved the challenge of remodeling so I took my career in that direction." Moving his company to North Branch in 2000 and then Wyoming/Forest Lake in 2004 he has provided over 2500 customers in the local area quality repairs and renovations. "I am taking it to the next level; I provide quality and will not let a market drive me to do otherwise." Nick says. Nick stated that NiCo Construction, Inc. is going to be here for a long time and allows him the freedom to do what he loves, "renovating with quality and design." Feel free to look at our website http://www.NiCo-Construction.com or call 651-462-4667 for an estimate. We provide quality service for your Kitchen, Bathroom, Addition, Basement, Garage, New Home, Siding, Roofing, Windows, Porch, Deck, Patio and Much More.
Categories: All Listings, Construction
10510 South Ave Suite B
Chisago City, MN 55013