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A Complete South American Odyssey
Join us as we sail the warm waters of the Caribbean, through the Panama Canal, and down the western coast of South America to Valparaíso, Chile on this exploration of South America.
The Famed Transit
Starting in Costa Rica, we sail south to Panama's Bocas del Toro before entering the Panama Canal. Watch MS Fram maneuver through locks, artificial canals and natural lakes. We cross the continent at 80 ft above sea level!
Ecuador, Peru and Chile
In Ecuador, we explore some of Guayaquil's historic sites. Peru provides amazing opportunities for wildlife watching, exploring historical sights and learning about its ancient civilizations. In Chile, we visit colorful colonial towns and enjoy the Mediterranean climate.
Ocean Serenity and Wildlife
This is an extensive cruise and offers sea days to spend at your leisure. Join a lecture or simply relax and enjoy the ship's facilities. All along the way, the expedition team shares its knowledge and inspires your curiosity and wonder.
At times, we are escorted by seabirds, and other times, by playful dolphins. We cross the equator and celebrate with King Neptune.
Absolutely Unforgettable
The mix of exceptional nature, fascinating cities, vibrant South American culture and captivating lectures make this cruise utterly unforgettable.
- Explore the best of Central and South America on an expedition cruise to remember
- Pass through the legendary Panama Canal
- Get the chance to discover fascinating archaeological sites like Chan-Chan and the Nazca Lines
- Experience rich wildlife above and below the water's surface
- Hurtigruten expedition cruise in the cabin grade of your choice
- One hotel night in San José before the cruise including breakfast
- Transfer from hotel to ship in Puerto Limón including lunch and excursion
- A rich program of included activities on all voyages designed to immerse you in the destinations you visit, including onshore exploration with the expedition team
- Professional English-speaking expedition team - an international handpicked team of highly educated experts in various academic fields with profound knowledge of the regions we sail through
- Complimentary wind- and water-resistant jacket
- Loan of boots, trekking poles, and equipment needed for optional and included activities
- In-depth lectures on science, history, biology, geography, geology or culture that provide context to your voyage and help you understand the destinations you will experience
- Explorer Science program, with educational and Citizen Science activities that let you learn about the sights you'll see while contributing to research
- Introductory photo lecture, including camera adjustments and tips and tricks
- Photos and film/video footage from the voyage shared in the Expedition Logbook
- Casual opportunities to engage with the expedition team and other guests, including a welcome event, daily gatherings to recap the day and prepare for the day to come
- Opportunities to dine and interact with the expedition team and officers
- Destination-focused onboard library
- Port presentations providing destination insight
- A farewell event
- All meals including beverages (beer and wine, sodas and mineral water in all ship restaurants)
- Coffee and tea included throughout the day
- Early riser and afternoon treat offered in addition to breakfast, lunch and dinner
- A la carte restaurant (only for suite guests)
- Gym, outdoor hot tubs and sauna with windows
- Free Wi-fi onboard for all guests. Be aware that we sail in remote areas with limited connection. Streaming is not supported.
- No gratuities expected
- International flights
- Optional shore excursions with our local partners
- Travel protection plan
- Luggage handling
Grand San José - San José, Costa Rica - Embarkation
After your arrival in the Costa Rican capital, San José, stroll the streets and discover the neo-classical grandeur of this unique Central American metropolis.
We recommend enhancing your stay by adding a pre-cruise Land Adventure to impressive Manual Antonio National Park.
Caribbean Coast of Costa Rica - San José / Puerto Limón, Costa Rica
We head towards the Caribbean coast and tour along the canals of Tortuguero National Park, before we embark on MS Fram in Puerto Limón, one of the oldest cities on the continent. The port was established in 1502 when Christopher Columbus landed here during his exploration of the New World.
Island Style - Bocas del Toro, Panama
We begin our journey along the Caribbean coast of Panama, heading for Bocas del Toro, an archipelago of islands, cays, and thousands of islets.
Bocas is brimming with sandy beaches and called the "Galápagos of the Caribbean" because it is one of the most biologically diverse places on the planet.
Included activity:
Water taxi to local beach with nature trail walk (2 - 4 hrs)
Travel by local tender boats to one of two beaches on either Solarte Island or Bastimentos Island to relax or walk on one of many trails. Solarte Island is a nature reserve without electricity. Watch for leaf-cutter colonies, birds of all types and red frogs. You might also spot three-toed sloths, rare birds and eagles. Red Frog Beach is located on Bastimentos Island, not far from Isla Colon, and you walk to the beach on a jungle trail.
Connecting Two Oceans - Panama Canal, Panama
We enter the Panama Canal near the city of Colón. Experience the thrill of canal transit and intricacy of the locks system as MS Fram is lifted more than 80 ft above sea level, from one body of water to the next. We enter the Pacific Ocean near Balboa.
Crossing the Equator - At sea - At sea
Spend time on deck fully enjoying the serenity of our days at sea. Hear our experienced lecturers and meet our expedition team outside on deck to spot marine wildlife. As we cross the Equator, we ask King Neptune for permission and invite him onboard. Join us for a proper baptism!
Ecuador's Metropolis - Guayaquil - Half Day
Welcome to Ecuador! Guayaquil was founded in 1538 and quickly became the largest shipyard in South America, often being attacked by pirates. Stroll through the historic center with parks and colonial mansions, visit the Mercado Artesanal, the city's largest artisan market, or walk along the riverfront at Malecón 2000.
Included activity:
City Tour, Seminario Park & Museum (4 hrs 30)
Explore highlights of Guayaquil, Ecuador's largest city, founded in 1537. See Santo Domingo church, built in 1548, and visit Parque Seminario, or Park of the Iguanas. It won't take you long to figure out where the name comes from. Also visit the municipal museum, highlighting different historical periods, and see Guayaquil's oldest barrio, the artistic district of Santa Ana hill.
Serenity at Sea - At Sea - At sea
Our expedition team continues its lecture program, sharing their extensive knowledge and experience, as well as summarizing the voyage so far and letting you know about plans for the exciting days ahead.
Temple of the Sun and Moon - Salaverry, Peru - Half Day
The small port of Salaverry is the starting point for an optional excursion to the ancient Chimu kingdom (700-1400 A.D.). The ancient city of Chan Chan (Sun-Sun) is considered the largest mud-brick citadel of the pre-Hispanic Americas and was listed as a UNESCO World Cultural Heritage site in 1986.
Included activity:
Moon Temple & Trujillo / Chan Chan & Trujillo (4h30)
Visit either the Moon Temple or ancient city of Chan Chan. The Moon Temple tour takes you on a 30-minute bus ride to the Mochica culture's capital city of Cerro Blanco. Looted by Spanish conquistadors in the 17th century, the Temple of the Moon was left largely untouched, revealing insights to Peru's ancient past. The Chan Chan tour takes you to the excavated city of Chan Chan, dating back to 850 A.D. Chan Chan is the world's largest adobe city and was the capital of the Chimu kingdom, which reached its peak in the 15th century but fell not long after to Inca conquerors. Afterwards, both tours visit Trujillo.
Seaside City and Vibrant Capital - Callao / Lima, Peru - Docked - Full Day
We dock at the seaside city of Callao, some 9 miles from the historic center of Lima, the capital of Peru. Discover the "City of Kings" and the Plaza de Armas, where Francisco Pizarro founded the city in 1535. Lima's historic center was awarded UNESCO World Heritage status in 1988.
Included activity:
Scenic city tour of Lima (4 hrs)
Discover the fascinating highlights of the Peruvian capital in a specially designed panorama bus that allows you to get a great view of what makes Lima so special. You will be picked up by a bus and taken on a ride to see the landmarks of the city and get numerous chances to take memorable pictures while a knowledgeable guide will tell you everything you need to know about this beautiful place.
The Nazca Lines - Paracas, Peru
Paracas is the gateway to the quiet colonial town of Pisco and its fertile coastal valley with the famous and mysterious Nazca Lines and geoglyphs. These lines were scratched onto the surface of the ground between 500 B.C. and 500 A.D.
Included activity:
Ballestas Island (3 hrs)
Explore one of this region's most beautiful natural attractions, the Ballestas Islands, often referred to as 'Peru's Galapagos', with its volcanic scenery and diverse wildlife. Spot sea birds and mammals on the boat trip and enjoy photogenic landscapes on the islands. Enjoy some free time to explore and perhaps see seals, sea lions, and even penguins!
At your Leisure - At sea
Join the expedition team for interesting lectures, learn the basics of expedition photography, and spend time out on deck enjoying the fresh salt air as you scout for wildlife.
Adventure and Archaeology - Arica, Chile - Docked - Full Day
Arica is blessed with a warm climate all year round, and we will spend a full day here. Explore the city, walk up the "El Morro" cliff to get a panoramic view, see the beaches or visit the archaeological sites with some of the world's oldest known mummies.
Included activity:
Atacama Coastal Walk (3h30)
Depart the pier and head towards the beach resorts of El Laucho and La Lisera. At El Morro de Arica vista, we enjoy a panoramic view of the city, port and ocean. We then proceed south along the coastal road to Corazones/Anzata, where we walk up sandy hills that lead us to Puntilla. Here we observe sea lions and many local birds at close range. After relaxing, taking pictures and breathing the ocean air, we walk back to the buses and return to the pier.
Serenity at Sea - At sea - At sea
Enjoy two peaceful days at sea as we make our way south to Valparaíso. The expedition team recaps our voyage and continues its lecture program.
Seaside Living - La Serena, Chile
La Serena, a seaside settlement, is one of the oldest cities in Chile. The town is overflowing with colorful gardens and beautiful churches. In the Archaeological Museum, you can learn about the ancient Diaguita culture that thrived in the region before the Incan conquest.
Included activity:
Coquimbo and La Serena City Tour (4h15)
Join us on a city tour of La Serena and the Coquimbo region. Our first stop is La Serena lighthouse for sweeping panoramic views. We then visit La Serena´s main plaza, where the city was founded in 1544. We also drive to La Herradura Bay, where legends say pirates buried a treasure. Before returning to the ship, we visit La Recova Market featuring handicrafts like lapis lazuli (Chile's famous semi-precious blue stone) and alpaca wool.
The `Jewel of the Pacific´ - Valparaíso, Chile
Our expedition ends in the wonderful, colorful and poetic city of Valparaíso. After disembarking MS Fram, take some time to stroll the UNESCO-listed historic quarter, or ride a funicular to one of the many hilltops for a citywide panorama.
Terms, conditions and restrictions apply; pricing, availability, and other details subject to change and/ or apply to US or Canadian residents. Please confirm details and booking information with your travel advisor.


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Wow!  A few days ago Lisa pointed out that we haven't updated the food blog in over two months — now, lest you think we've been dying of hunger, don't despair.  We've just been rotating through a few old favorites while we've been preparing for our new arrival (We [Heart] Baby Food, anyone?)… so we're still here!  I adapted this recipe from one found in The Fishes & Dishes Cookbook: Seafood Recipes and Salty Stories from Alaska's Commercial Fisherwomen — I got to meet one of the authors when we picked this up at our local Whole Foods.  The book is filled with easy recipes that highlight fresh seafood — so far, every one we've tried has been delicious.  Here, coho is pan-seared, then finished in the oven, and placed atop a bed of sauteed leeks and chanterelle mushrooms.  We served it alongside some roasted fingerling potatoes — yum!
Lisa says:
I don't remember what we discussed when we had this, other than it was delicious.
Chris says:
…and that you loved the potatoes.
Lisa says:
Well, obviously. They were covered with crispy garlic.
Chris says:
I did like the how the outside of the salmon was crispy from the pan-sear — and still moist inside. And anytime you add mushrooms to a dish, I'm there.
Lisa says:
You and me both, sucka.
Oven-Roasted Coho Salmon with Leeks and Chanterelle Mushrooms
1 cup leeks, white and pale green parts only
2 6-oz skinless coho salmon fillets, deboned
Sea salt and freshly ground pepper
1 tbsp butter
1 clove garlic, minced
1 cup sliced chanterelle mushrooms
1/3 cup chicken sotck
1/3 cup white wine
1 tsp herbes de provence
1 tbsp olive oil
Clean the leeks of all dirt and grit, rinse, and cut into 1/4″ rings. Season the salmon on both sides with salt and pepper.
Heat a large skillet over medium-high heat, melt the butter, then add the leeks and garlic, cooking for 5 minutes. Add the mushrooms, stock, wine, and herbes de provence, and lower the heat to medium. Simmer until the leeks are very soft and most of the liquid has been absorbed, about 15 minutes. Add salt and pepper to taste, and keep warm over low heat.
Meanwhile, preheat the oven to 475.
Heat an ovenproof skillet over medium-high heat for several minutes, then add the oil and heat until it shimmers. Place the salmon fillets in the pan flesh-side down, and cook, without moving, for about 4 minutes. Flip the salmon over, place the pan in the oven, and let bake for 3 minutes.
Spoon the leek/mushroom mixture onto serving plates, and top each with a salmon fillet.
2 Servings

subset: commoncrawl


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It is late afternoon on this autumn day, and there is a light wind blowing from the east. The barges continue their slow ascent up the Mander River, with music, singing and general merriment echoing from within. Numerous lords and ladies speak and drink inside, servants wandering through the crowds, offering food and drinks.
Since the departure from Highgarden, Branna has been a familiar sight in the grey and white of her house as she leans against the barge rails, often gazing out over the waters. With her septa hovering nearby and a guard next to her gamely holding out a handful of flat rocks, the young lady is currently trying to skip the rocks off the river surface. At least, so one might infer from her movements, even if the spectacularly uncooperative things simply plummet down below the waves with each attempt. When a passing server offers the young noblewoman food and drink, she refuses with a smile.
As Melarra and her escort come around a bend in the Mander, she breathes a sigh of relief. There ahead, she spies the grouping of barges she has been hoping to see for the last day or so, ever since they passed Cider Hill.
After some minor bother getting a barge stopped and her party boarded and settled, Melarra is finally able to turn her attention to meeting the other guests on the barge. She is pleasantly surprised to see her brother—and NOT the brother she had expected.
Melarra moves lightly across the swaying deck towards Bradwell, her eldest brother. "Well met, Ser Bradwell!"
On board the barge, another Hightower stands alone among a crowd on one side of the ship's bow. Arms folded across themselves, eyes seemingly on the distant horizon instead of toward the crowd, his eyes flick to the road on shore. A figure in the distance, a retinue, a call, and a girl he's known for many years.
"You're late, little sister!" Brad calls out to the fair woman on land. He extends both arms, hands open, as if to motion toward the moving vessel. Then he shrugs and smiles, calling whimsically, "Not all ships wait for House Hightower!"
Melarra looks up suddenly at the booming voice coming from the nearest barge. A twinkle alights in her eye as she recognizes her eldest brother. She laughs aloud at his teasing, "They might not wait for YOU, big brother—but I am far prettier than you are!"
Brad grins broadly, chuckling quietly and shaking his head. He then looks around and puts Melarra's claim to the test.
"Well then," Brad announces, turning back to the ship's body politic, "is there any here with sufficient influence to stop this vessel so the lovely lady of Hightower may board?" And after, presumably, there is no immediate answer, he adds, "If it helps, she's beautiful, unmarried, and rich."
A tall thin knight walks down the barge talking to a very fat young man with an anchor sewn onto the chest of his doublet, partially hidden behind the wine stains. They seem in the middle of a discussion until the tall man tells something to the fat one and he walks away purposefully to the rear of the barge. Ser Willard Ryger then looks up and notices a tall young girl in Stark colours doggedly throwing stones into the river. He smirks and walks closer "Does the lady need any help with giving the Mander a proper stoning?"
A booming voice is heard near the front of the ship, "STOP!" The crew of the ship immediately react to this great voice, halting the ship so that Melarra may come aboard if she wishes. Ser Anton Piper slowly walks down towards Bradwell and anyone who may be near him. As he passes Branna by on the way, his eyes flicker to her briefly, for she is someone he's not yet met. Speaking to Brad, Anton states simply "it matters not her current situation. She is a lady, and as such, the barge will stop for her."
"Seven bleeding hells, what's all that racket?" a cross voice mutters at the call to heave to. Groaning slightly, Ser Myles Hightower of Oldtown sits up from where he was reclining on a lush rug with a book over his face. Spotted Dick is at hand with a skin of wine, which the knight takes from his squire and takes a long, cool, drink.
Branna pauses in her rock-skipping since Melarra's group comes into sight, and Ser Bradwell's words prompt the beginnings of another smile. The smile turns to Ser Willard as he makes his approach, though she inclines her head toward the Hightower contingent. "That would be most appreciated, but it would seem that the lady—" She breaks off as Anton's booming shout is heard, and her smile widens. "—has received the appropriate assistance. It is good to see the knights of the south so chivalrous."
Brad looks toward Anton, and his mirthful grin slips into a natural fade down to the linger of a smile. "Thank you," Brad says to Anton, the joke passed, the voice quieting. "Some would not be so chivalrous. We are obliged." And then some racket abounds. Brad's eyes close momentarily, and he takes a deep breath. "Well, this should be fun."
Anton inclines his head in a bow to Brad. "My lord, I do not think we have had the pleasure. Anton Piper at your service." As the crew of the barge begin moving it closer to the riverbank so Melarra and her entourage may board, Anton looks curiously at the lady. It is not long before the barge is close enough so that Melarra may board if she wishes.
"The south?" Willard asks before a hint of understanding shows in his eyes "Of course, we're all southerners for you, in the cold hard North? Yes, there are some who are chivalrous, though I hardly call chivalrous aiding in the stoning of a river! Seems most unkind!" he smiles and looks at the ruckus on the barge. "My, now there is a commotion. Are you acquainted with them, lady…" he trails off, then bows "Pray forgive me, my lady. I am Ser Willard Ryger, of Willow Wood."
Reyna has arrived.
"Brad Hightower," Brad introduces himself to Anton. "Your service is appreciated." He puts a hand to the edge of the barge to steady himself as the vessel slows. "It's my sister's first true trip up the Mander to King's Landing." He glances out toward her briefly, then back to Anton. "Naturally, she's as late as she is fashionable."
A flurry of activity begins on the riverbank as Melarra's party prepares to board the barge creeping toward the bank. She dismounts, handing the reins to a guard. She sends two more into action, removing a few of her trunks from pack horses to be taken aboard. As she doesn't see a boom on the deck of the barge, she calls the captain of her guards over. "I will need the rest of the party to continue along to King's Landing ahorse. I will take these trunks and my maid aboard the barge, but naught else. Seek for me when you arrive in King's Landing; I likely will be set up in the Red Keep, or wherever Myles and Bradwell are staying."
Resting his forearms on his knees as he sits leaning against the bulkhead, Ser Myles glances 'round at those nearby. "Richard, run along and polish something," he says, and the squire obeys, disappearing.
"Melarra would be late for her own wedding," he says, finally scrambling to his feet and moving over to the lee rail. "Must've made good time."
A few seconds pause. "Ser Bradwell," Ser Myles finally acknowledges his brother.
Ever since Reyna Saltcliffe rejoined the barge party en route to Tumbleton, she has slept more often than not. Now she seems awake enough as she emerges from a curtained area set aside for sleepers. Her brown curls are braided very simply and tied with a bit of gold ribbon at the small of her back. A servant comes at once with a bowl of something steaming, and Reyna looks grateful for it as she settles onto one of the padded benches lining the barge's gunwales.
"Ser Brad, a pleasure." Anton replies. Then when Myles come to join them, Anton bows his head again to the other Hightower. "My lord, Anton Piper at your service. You are another brother to the lady coming aboard?" Anton's eyes remain on the lady, though one arm is quick to grab a passing crewman. "Once the lady, her maid and her trunks are aboard, cast off immediately." The crewman bows his head in acknowledgement and moves along, quickly going about his business.
"It is not so cold and hard, really," Branna protests as she straightens up from her lean at the rails, though the undercurrent of laughter in her words suggests that she is not really so dismayed at this particular characterization of her home. "And I like to think I am feeding the river. It certainly swallows up the rocks hungrily enough, wouldn't you say?" She offers a faint, rueful shake of her head. "I'm afraid I do not. But then again, I know few people here. I am Branna Stark, of Winterfell. Pleased to meet you, Ser Willard."
Bradwell turns askance toward his younger brother, Ser Myles, and holds the gaze a moment. "Ser Myles," he says evenly. "It seems a ship big enough for us can be found after all." A moment passes, and then the visage cracks a bit and softens. He seems about to say something else, but Anton interjects. He nods once, twice, to Anton. "Thank you."
The younger Hightower knight inclines his head to Anton in return. "I am Ser Myles Hightower of Oldtown, Ser Anton. That over there is my sister, coming to court I suppose…" his voice trails off but there are a few muttered, clipped phrases about keeping her away from Prince Aegon.
"Did you know she was coming with us, brother?"
The barge finally lurches close enough to the bank for a plank to be run down from the deck to the bank in front of Melarra's party. Everything is ready for her to board, and it only takes a few minutes for her things to be loaded aboard. She walks up the plank behind her maid and jumps down to the deck, landing with a laugh in front of her brothers and the Piper she had spied from shore.
"My lord," she says to the stranger. "Thank you for getting the barge to stop for me, though Ser Oaf here would like me to believe it is because of my material and maidenly wealth." She nudges her older brother Bradwell in the ribs and grins. The grin falters a bit when she notes the coolness of the looks Brad and Myles are trading. "Well, look here—a regular family reunion! Just like being children again, except I'm not trying to feed anyone mudpies."
Willard flashes a smile at Branna "Please be sure, my lady, that if not all then at least the majority of the pleasure is mine" he makes a short courtly bow. "And of course, it's just the comparison, and rumor and the general knowledge of people, that makes for those characterizations. North - cold and hard. South - wine, sun, rivers that run, blood in veins instead of ice…" the Ryger knight says all this with a half-smile lingering on his lips, indicating a jest "Yet somehow, a beautiful flower has flown on the wind down south from that terrible north, to teach us that there is beauty everywhere." he cocks his head a bit sideways and beams another smile "Is that the lesson you came down here to teach us, my lady?"
She leans in close to her brothers and lowers her voice, "Although if you two don't stop staring icicles at each other, I might be forced to have them stop this fat-bellied boat again just so I can get some mud."
"In theory," Bradwell replies to Myles as Melarra makes her way forth. His eyebrows raise faintly to accompany the deadpan mirth in his voice when he says, "I was not placing heavy bets on whether she would make the boat or not." A smile cracks. It's clear this is gentle humor, offered out of affection toward Melarra, who has arrived, nudged him, and called the heir of House Hightower an oaf. "But here she is, sans mudpies, the young lady of the Hightower, courtesy of our man of House Piper."
"Ser Myles, an honour and a pleasure." Anton nods his head. When Melarra boards the barge, Anton offers her a deep bow. "My lady, Melarra, is it? I thought I heard one of your brothers mention it. Welcome aboard. It is a long ways yet, to King's Landing. I am Anton Piper, at your service." Noticing the looks going between the three siblings, Anton takes a step back. "Family reunions are joyous occasions, I will gladly give you three some room to catch up." Another bow, and Anton is in the midst of turning to leave when he catches sight of Lady Reyna Saltcliffe lounging nearby. He walks quietly towards her and when within speaking distance, offers her a deep bow. "Lady Reyna."
"Hallo, Ser Anton," Reyna says, eyes smiling over the rim of the bowl as she lifts it to her lips. She sips from it for a moment, the scent of beef broth drifting up on the steam. She swallows then, her cheeks pinking. "Forgive me. I'm starving! How are you enjoying our voyage?"
"Mmm hmm, strange father did not mention it," Myles says, perhaps a bit wary but unwilling to go further. "I don't like mud; I prefer apples, sister," he says, though he winks after a second. Another drink from his skin drains it and Ser Myles throws it at a servant. "You should present yourself to Lady Reyna. I'm sure she will be delighted to see you again."
Anton almost cracks a smile when he responds. "Slow, my lady. But otherwise, excellent. I wanted to stop by and personally thank you for the hospitality shown by House Tyrell during this trip. The Lord-Protector was an amazing host, the entertainment and food were some of the finest ever offered. I am sure the entire court appreciated this vacation."
Branna has reconnected.
"He's right," Bradwell says, echoing Myles. "One of the fun parts of court, and no better place to start than there." He glances off toward Reyna briefly, then back toward his sister. "The mudpies can surely come later." He smiles again, faintly.
"A beautiful flower?" Branna echoes, dark eyes briefly wide with amusement. "A lady of Highgarden is far more deserving of such a compliment, I am sure." She offers a smile. "I mean to learn, rather than to teach. My aunt is skilled in the ways of stewardship, and it is a useful skill for a Stark to learn. And what takes you to King's Landing, ser?"
"He likely didn't mention it because I helped him think of it after you left, Myles." Melarra grins ruefully, "Although I will say it took a whole week from planting the idea in his head before he mentioned it to mother; I must be slipping."
She sniffs the air delicately as Myles tosses an empty wineskin to his squire. "Apples indeed. Grapes, more like."
She turns to Bradwell and offers him her arm. "Well Ser Brother, shall we make our courtesies to my lady of Saltcliffe?"
"I will pass that along to my brother," Reyna says with a weary smile. There are dark circles under her eyes, unalleviated by all her sleep. "I know he will be grateful to hear it. We are indeed moving very slowly. I want so badly to be home now that it's driving me mad."
She hears a voice then and looks past Anton. "Myles! When did you join the party?" she cries, looking genuinely delighted.
Anton bows his head again at Reyna, and excuses himself with a simple "my lady." He backs away in a different direction, allowing the Hightowers Three to approach and hold court with Reyna. He turns and begins walking towards the railings, a quizzical look on his face.
"Your courtesies may be more welcome," Brad says beneath his breath to Melarra, his rueful humor subtle and quiet. "Go on. I will be along momentarily." Here, he looks to Reyna and over to his now quiet brother.
The Hightower knight bows to Lady Reyna; his face lightens somewhat. "I made it to Highgarden the night of the chapionship joust. 'Twas a spot of hard riding, but I must go back to Court. His Grace did not mean for me to be gone so long, I fear. I shall probably have some unpleasant task when I return.
"But allow me to present my sister Melarra to you. Our father has decided to send her to court. We shall rely upon you to help us find her a place, if you are willing."
"A finely shaped snowflake would suit you better, is what you are saying my lady?" Willard widens his smile even further "Pardon, I play at words instead of talking to you truly. My purpose in King's Landing? Fame, fortune, entertainment, unending glory, carrer, progress… and now, also a finely shaped snowflake from the clod North" a wink and a nod are what he adds to that, fitting this youth's countenance like a glove.
"Hallo, Lady Melarra," is Reyna prompt and amiable reply, her smile undiminished. "I did not see you at the festivities; can it be possible you missed them? Myles, you shall have to chide your father for me. It was all such spectacle!" She looks past the two Hightowers to the third. "Good evening, Ser Bradwell," she calls to him.
Bradwell slowly bows his head ever so slightly to Reyna, raising an open palm to waist level, as if to offer gracious deference of sorts. "My lady," Bradwell says, his voice not raised too much but still carrying nonetheless. "To see you again ..." He tails off and smiles, leaving the compliment unstated but ostensibly implied.
"Hello, Lady Reyna!" Melarra curtsies, spreading her burnt orange velvet skirts before the lady. "It is true, I'm afraid—I didn't escape Oldtown soon enough to see any of the pageantry at Highgarden." She smiles at Reyna. "However, I consider convincing my lord father to allow me to come to court quite a triumph, so hopefully you will forgive him my absence at the Tournament." Melarra raises a quizzical eyebrow. "Surely there will be revels aplenty awaiting us when we arrive at King's Landing?"
"Snowflakes melt in the summer heat," Branna notes languidly with a delicate scrunch of her nose. "But then again, it is autumn." Right around the time Anton moves for the railings, she takes another rock from her obliging guard and sends this one skipping over the river, easy as you please. Perhaps it is beginner's luck or a matter of not paying much attention earlier. "It sounds like you have a busy schedule ahead, Ser Willard. However will you find time to feed the river?"
Anton walks towards the railings, in particular toward Branna and Willard, his quizzical look being replaced by one of wry amusement. Once he is within speaking distance, he inclines his head at Branna, offering a "my lady" in greeting. Seeing her success with the rock this time, he adds "nice throw," before clapping Willard on the shoulder. "Willard!" Anton says the name, a small trace of warmth appearing in his voice. "I thought I heard you the other day."
"We are a quiet court under King Baelor, though I suspect there will be a revel now and again. No singers strolling the gardens, though, or mummers' dragon setting things afire, alas." Reyna gives a regretful shrug. "It has all been rather fantastical this last month. I must credit my brother greatly with all that he managed to do."
Glancing at the Mander and its great surface Ser Willard smirks as he takes one stone and utters "This one looks very well fed. May it be th…" he trails off as a hand claps his shoulder and he turns almost immeadiately towards the would be assailant, his hand going for his sword… only to stop mid-air. A warm smile appears on his face "Anton. Ser Anton Piper! How did you ever get out of King's Landing? Were there no crimes commited, no one to be stopped from making the lives of the poor citizens unbearable?" he gives a small chuckle, then turns to the Stark girl "My lady, allow me to present Ser Anton Piper, an officer of the City Watch. Anton" he says to the Piper watchman "Meet the lovely Branna Stark, on her way to King's Landing. Please do keep her safe in the city, if I would be at any point unable to do so myself" Willard winks to Anton jokingly.
Melarra nods sympathetically, "Well, 'quiet' is not a word that has been known to apply to me, my lady—as I'm sure my brothers will attest." She smiles at the two men standing on either side of her, like bookends. "It may be that if there are no revels to be found, we can supply our own!"
"My party did hear about the events at Highgarden when we stopped over nearby during our travel. The smallfolk were abuzz with the deeds and events—I'm sure it is a story that will be told to their grandchildren. Your brother should indeed be proud."
"The King is given to… reflection upon the Seven. For hours. And hours," Myles states. "Best course in that situation is to keep your head down, sister, lest you get dragged to the Sept."
Bradwell chuckles at his brother's comment. "Oh, I think they would kick her out, for fear of too many parties and too much laughter," Brad says, now having stepped forth a step or two to close the gap between himself and the other three. "She certainly would have appreciated your brother's efforts. I can say that it was one of the more impressive series of events I've ever seen, Lady Reyna." He pauses, then adds, "Please tell him I said so when next you see him."
"Better to go to the Sept and be seen to," counters Reyna, shaking her head and smiling at Myles. "It is a different court now, my friend. It behoves us all to at least make a show of piety, whatever is in your heart. Then we are thought devout and can do as we please."
She smiles mischief at Bradwell. "It might be years, I fear. I shall write him your praise, however, Ser Bradwell, if that will suit."
Branna inclines her head toward Anton, offering a quiet, "Thank you, ser," along with a bright little smile. Her brows arch in surprise as Willard reaches for his sword, but her smile returns full force as introductions are made. "Thank you for the introductions, Ser Willard, and it is a pleasure to meet a member of the City Watch, Ser Anton. Yours is a noble duty, guarding the safety of the city and its residents."
"Undoubtedly," Bradwell replies in kind to Reyna, smiling and tilting his head slightly to the side with the motion.
Anton's smile this time is quite genuine and even goes to his eyes. He bows to Branna, greeting her formally with "Lady Branna, an honour and pleasure to meet you. It will be good to have some northern blood at court, keep us on our toes. I thank you for your kind words, we do our best to uphold the King's Law and provide order in the city" In response to Willard, Anton ruefully shakes his head, as if he's done this many times. "Ser Richard forced me to take a vacation. Apparently, I was *working too hard.*" Anton grimaces. "As if there is such a thing." He now looks Willard up and down and a smile returns to his face. "Look at your now, Ser Willard. 'Have patience. Patience is a virtue.' How many times did I tell you that in Dorne?"
Melarra raises an eyebrow at Myles. "I wasn't proposing putting on a mummer's show in the throne room, Myles." She pauses thoughtfully. "And Lady Reyna is quite correct—there is nothing wrong with visiting the Sept. Perhaps you will join me when I visit it. It should prove instructive for at least ONE of us." She stifles a giggle, and turns back to Lady Reyna.
"I do like to have a bit of fun, my lady—but it is of the harmless kind. Rides in the country, walking in the markets, or even just chatting over needlework. I dare say I'll find ways to entertain myself in the city."
"Well, I shall let you two speak for a moment," Myles states, bowing slightly. "We shall have plenty of time to speak on the way back to the capital."
The knight backs away and returns to the rail, calling his brother. "A word, brother, if you please."
"Oh, that sort of thing is all right," Reyna says, though she hides it if she is relieved to hear what Melarra considers fun. "I love a ride outside the city, though it is very rare when I can manage it." She has finished her bowl of broth, and now a servant whisks the bowl away. "Tell me, Lady Melarra, who is that with Ser Anton? If she's not a stark, I will eat my own hair."
Willard laugh a trully merry laugh at Ser Anton's words "I knew they'd have to set rabid dogs on you, to get you out of the city. And don't start with that high and mighty atitude, patience is a virtue of the old and the dead. Too much life goes away on waiting…" at thisheturns back to Branna "I am sorry, for this interruption, my lady. Ser Anton and I are old acquaintances, forgive us if we get carried away in our jovialities. You were about to tell me…" He glances at Anton "Us, why are -you- on your way to King's Landing from" and there's that smirk again "The cold and hard North?"
With his brother's beckoning, Bradwell bows slightly and smiles to the ladies. "Please excuse me," he says and steps away, taking an even gait away from the pair and catching up with his younger brother.
Melarra hides a smile, wondering what Lady Reyna would think of the bits she left OUT of her comments on fun. A ride with Melarra would be at breakneck speed, like as not, and the markets she would frequent could be in Flea Bottom as easily as the more prosperous parts of town. Oh well, she thought—What the Lady Reyna doesn't know won't hurt her.
Melarra turns slightly to regard the young lady that Lady Reyna mentions. "You know, I am not quite sure, my lady. She does have the look of the North about her, though. Shall we invite them over? I have not had a chance to speak more than a few words to Ser Anton, either."
Once the two are a short distance away, Ser Myles leans on the rail, his eyes scanning the riverbank absently as he speaks. "Since you were there, I take it you know a bit about this business with our uncle, Ser Alek."
Branna's smile widens, mischievous. "It is a pleasant interruption, if it is an interruption at all. And as I said earlier, I am here to learn." No elaboration here. "In any case, I shall strive to do my part in keeping people on their toes then." A glance goes to her septa, who looks just a little horrified at the thought. "Within the limits of chivalry, etiquette, and the like, of course." She says this too airily for her words to be taken entirely at face value, but the septa does relax, taking her at her word.
The young Stark does grow more solemn as she adds, "Upholding law and justice is no easy task. I have seen my father and uncles deliberate over such matters. Though you might not wish or need for a break, it may still be good to take them as they come." Perhaps catching something of Reyna and Melarra's conversation, she glances over with a pleasant bob of her head.
"A little, but not enough, not yet," Bradwell replies quietly to Myles, turning out toward the water so that his voice carries away from the ship and not toward the crowd. "Some mess with the Meadows people." He shakes his head, drawing his lips inward. Here, he looks at his brother, who, whatever differences there may or may not be in their styles and personas, he has always treated as a stalwart. "What do you know?"
Similar to Branna, it appears Anton heard something, likely the name 'Stark' which has not been mentioned much in court the past few months. Turning his head to see only Reyna and Melarra present, with Brad and Myles having gone their own way to have a discussion, Anton steps to one side to allow Branna and Willard a clear path to the Saltcliffe and Hightower ladies. "Lady Branna, Willard, I believe Lady Reyna may be interested in meeting the both of you. As I mentioned, northerners have been rare at court as of late. As for you Willard, your father is an important figure at court, as is Lady Reyna. It is a good idea to make her acquaintance as early as possible." With that Anton takes a flanking position to the two youngesters, almost sheparding them to Reyna and Melarra.
Melarra notes the lull in the conversation surrounding Ser Anton and the unknown young woman and young man. She lowers her voice for Lady Reyna's ears alone. "It appears they overheard our speculation, my lady. We shan't need to call them over after all!" Melarra turns with a smile for the newcomers, deferring to Lady Reyna to speak first.
"Well, they were playing some game of Monsters and Maidens I think and Ser Alek and Cousin Josmyn killed Lord Manard's grandson. There's been a lot of bad blood in it, I'm told. The Reynes have been fairly meek about it, but the Meadows are still angry, I think," Myles replies.
"Oh, good, I do hate to shout," Reyna says to Melarra, smiling and turning toward the threesome coming across the barge. She is a small woman, and seated, looks rather smaller still. "Who have you brought me, Ser Anton? You must forgive me for not rising," she tells the other two in apology. "I have spent the last few days sleeping, and I still feel weary. I hope to be at my best by Tumbleton." Her voice is warm, even welcoming.
"'To learn, ugh. You northerners are always so shy of words, when there a myriad of them to say out loud" Ser Willard smiles and turns at Anton's words "Lady Reyna… The wife of the Iron Serpent, hmmmm.Yes, meeting her might do good. To you as well, my lady" he smiles at Branna yet again "Lady Reyna is known, connected and a prominent figure at court." he offeran arm to the Stark lady "Shall we?"
Bradwell nods once at his brother's description. "As well they should be," Brad says, his own words still softened and meant for his brother alone. "I heard Ardon Tyrell stepped in and handled it as well as could be expected. But in truth, how can you ever put a fire like that out?" He shakes his head. "Only with blood." He turns out to the water again. "When last have you seen Alek?"
As the three move towards Reyna and Melarra, Anton overhears some bits and pieces of Myles and Brad's conversation. His only reaction is when Myles mentions 'Reyne' and 'Meadows' at which point, a frown appears on Anton's forehead. He does not approach the brothers however, as it clearly is a private conversation, but his frown does not disappear until the three reach Reyna and Melarra. Bowing to Reyna, Anton offers a quiet "no forgiveness required, my lady. You deserve whatever rest you require after the work you and your brother put into that festive event." Turning to the other two, Anton continues. "This is Lady Branna Stark and Ser Willard Ryger, son of Lord Terin Ryger." He then steps back to allow the two youth a chance to converse directly with Reyna.
Melarra inclines her head toward the two newcomers. "Hello Ser Willard, Lady Branna. I am Melarra Hightower, daughter of Lord Lorent Hightower, and younger sister to Ser Myles and Ser Bradwell."
Melissa has connected.
The question prompts Ser Myles to reflect. "A year? Two? I cannot recall. I only wish to be certain that we have not been drawn into anything. King's Landing is enough of a viper's den without having a blood feud thrown at our feet. We shall have to get a proper house, most like. It will not do to keep our sister in the tower, unless Reyna is able to get her a place with one of the princesses. If our names are attached to this disagreement we'll have to pay double the rent to some fat merchant jealous of his property."
Branna accepts the shepherding and the offered arm with good grace, her thanks murmured to them both as she walks. Upon her approach, she dips a neat curtsey to Melarra and Reyna during Anton's introductions. When she straightens up again, it is with a warm smile on her face. "A delight to meet you both, my lady of Saltcliffe, my lady of Hightower. Please, there is no need to rise. You have been busy with the proceedings at Highgarden, and I am certain my aunt would be deeply vexed with me if I imposed on her dear friend."
Reyna, hearing something of the Hightowers' discussion, chooses to interject: "The Queen handled it, Ser Bradwell, which is much better than my brother managing it alone. She decreed a blood price and an end to it. Anyone who ignites a feud now would be running afoul of the Dragons."
She claps her hands then, smiling brightly. "I knew you were a Stark, Lady Branna. You have the look of them, much like my dear Marian. And Lord Ryger's son as well. I am honored to meet you both. I am Reyna Saltcliffe, daughter of Lord Loras Tyrell. Lord Leo's father was my brother."
At that, Bradwell chuckles beneath his breath. "At least we can afford it," he says, his humor ever so black about his family's wealth. Then his tone becomes serious again. "I saw Alek briefly during the tourney, before this all happened. It was the first time we'd crossed paths in maybe 10 years, and he barely recognized me. I have yet to see him again, though admittedly I have stayed to—and beyond—the periphery of this traveling revel. I think it's allowed us to steer clear for now, but then ... King's Landing has blown my preconceptions to the winds in the past."
"The pleasure is all mine, my ladies." Willard says with a deep bow, as he stands straight again with a smile on his face "It is unfortunate that I did not arrive to the tourney on time for the festivities and the, as I heard, beautiful enntertainment that was given." his features loose a bit of merriment at those words, though his worse mood is not aimed at nobody particular.
Melissa has long been socializing on the deck. From one side to the other, there are far too many people on board to not get involved a conversation. Wearing a smile the way Melissa does, as a perfect accessory, her cheeks hurt after a while, and the cold does nothing to help it. The wine is what keeps her warm of an evening, but tonight she's dressed in a shawl and is sans bottle, having gone dry a long time ago in her discussion. Now she's arriving on a new cluster of people well known, and talking with some more newly met. And the smile on her face is refreshed.
Myles nods at Reyna's interjection.
"I find myself hungry. You, boy! A wedge of cheese and some bread. And wine!" he adds, sending a page scurrying toward the galley.
"I dread returning to court with the place crawling with septons."
Anton withdraws more from the conversation, letting Branna and Reyna discuss their mutual relations and acquaintances. His gaze flickers back to the river flowing by outside, though still much too slow for his liking.
"The queen is wise," Bradwell replies (somewhat belatedly) to Reyna's comments. "As has Ser Ardon been, ever since we rode together years ago in the Marches, so my faith in both is strengthened." Simple comments, put simply.
Now .. turning back to his brother ... about that cheese and those septons. "Yes, well, court is still court, septons or not. I suspect it will influence them more than they it. But until then—" He looks about. "We still have some time before then, and I plan to make the most of it." Now, to Myles: "I will find you later." And, to Reyna, "Good day, Lady Reyna." And he is off, pushing off and pressing deeper into the crowds before he disappears among them.
Willard is about to say something as a very fat man with ananchor sewn onto the front of his doublet runs up to him, his large belly and huge jowls wiggling to the steps. He runs close and whispers something on Willard's ear and nods to a questioning gaze from his master. "I am verily sorry to run away like so, but it seems I am needed urgently elsewhere." He bows to the Laies Reyna and Melarra, then turns to the lady of Stark "My lady, it was an untold pleasure to make your acquaintance. I hope I will not be cumbersome if I say that I will be looking forward to our next meet." and again, he flashes one of those smiles "Then you can tell me all about the 'learning' as well as the beauties of the hard and cold North" he finishes with a small chickle, bows deeply in front of Branna and nods to Anton muttering a "We will need to talk later, aye?" as he hurries after his squire.
Reyna bends her head to Bradwell, then raises a brow at Myles. "How now, Ser Myles?" she asks, a smile curving her lips. "Good evening, Ser Willard." She bends her head to Melarra as well, acknowledging the ebb and flow of people on the barge.
"Better than a signet ring," Branna comments on the topic of Stark looks, her smile deepening with a touch of family pride. "There are quite a few families who seem to carry their heritage in their looks, it would seem." Perhaps it is Melissa's approach that inspires that comment, though the younger lady's not so certain of her guess to venture a greeting just yet. A curious look goes to Willard as his mood seems to worsen, but she refrains from asking, nodding as he takes his leave. "Hardly cumbersome, Ser Willard. Good evening."


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NEW YORK, May 27 (UPI) — U.S. business mogul Donald Trump has spent more than $1 million researching a potential run for president in 2016, the New York Post reported Monday.
Sources told the Post that Trump has been asked to speak at more Republican events, such as the Oakland County Republican Party Lincoln Day Dinner in Novi, Mich., last week that drew a crowd of 2,300.
"Everybody tells me, 'Please run for president. Please run for president.' I would be much happier if a great and competent person came along," Trump reportedly told those who attended the GOP event. "I'd be happy if President Obama did a great job. I'm a Republican, but before anything, I love this country. I would love to see somebody come in who is going to be great."
Trump, whose phrase "You're fired" is heard on NBC's "Apprentice" programming, entertained a White House bid last year against Obama, but ultimately didn't enter the race, and said it was "highly unlikely" he'd consider a political run.
Michael Cohen, an executive vice president and special counsel to Trump, told the Post $1 million was spent commissioning election research into Trump's standing in all states and gauge which states he would need to win.
"The electoral research was commissioned. We did not spend $1 million on this research for it just to sit on my bookshelf," Cohen said. "At this point Mr. Trump has not made any decision on a political run, but what I would say is that he is exactly what this country needs."
Copyright 2013 United Press International, Inc. (UPI).


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12/22/2017, 8:00am. Mountain lion walking down the driveway.
First time I've seen one out in full daylight.
12/22/2017 8:00 am
From another angle.
Mountain lion vocalizes(?) Turn up the volume!
2/18-19/2018, around midnight. The image quality is very poor but the audio's pretty good. Does anyone recognize the sounds? I can't tell if the cat is making them or if they're from some other nearby creature, maybe an owl? The cat remained in this spot for several minutes but the noises stopped.
Puma pair, 2/21/2018, 2:46am
Very(!) poor video of two mountain lions walking up the road. A single individual appeared going down the road around 7pm earlier the same evening. Looks like it found a friend. I wonder if that's what this noise was about? Here's a daylight shot of the same location.
1/7/2018, 6:19 pm; mountain lion strolling down the driveway
Very poor video, obscured by spiderwebs. Once again, the trail camera on the same tree didn't get triggered. Too bad, its image quality is much better.
1/7/2018, 1:16 am, walking up the driveway.
This animal has been making fairly regular appearances lately.
11/11/2017, 10am. Bobcat
11/11/2017, 10am. Bobcat, same as previous video from a different angle.
Saw this animal, or a similar one crossing a well-travelled road a few days later around 2pm.
12/11/17, 0551:Bobcat, heading down the driveway (poor quality video)
We're getting quite a few appearances of a bobcat (or cats.) Most of them are poor quality nighttime shots like this.
12/11/17, 0557: Less than an hour after previous video, a mountain lion strolls up the driveway
July 31, 2017, 10:13pm Mountain lion next to the driveway
A grainy photo from a trail camera. The cat's on the left. Our driveway on the right. The animal is walking on an adjoining dirt road. Time stamp is PST, PDT is 10:13
Sept. 25, 2017, 11:14 pm
Probably the same cat as the one from July 31 (prev.) This one appeared on a video but the quality is very poor.
Video: Oct. 24, 4:54am, walking up the drivway
Probably the same cat as in the April/Sept. photos. Heading up the driveway. The camera signal breaks up, causing a stutter at the end.. This is the first time we've seen a mountain lion on the driveway. The others were on an adjacent dirt road. (The light in the background is another video camera. It came on but didn't capture anything.)
Video: Oct 24, 2017, 5:00am, clearing below the house
Five minutes after appearing in the driveway, it shows up on a second camera, about 350 feet from the first. This is in a clearing below the house. (The last video in this sequence is a daytime shot of this location. It's windy, hence the noise.)
Video: Oct. 24, 2017, 5:27am Brief glimpse, heading back?
About 25 minutes after the previous video, same location. Heading west, toward the spot where it was first seen. (The next video shows this spot in the daylight.)
A warning call... turn up the volume.
Turn up the volume and play the video to the end. It's probably a deer's warning call. 10/24, around 11:15pm. The deer returned in an hour or two and spent most of the night here.
Video sequence: Lion following deer?
An anxious (young?) coyote.


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Our kitchen is the only area of the house that enjoys large stretches of clear glass windows, greeting and welcoming the rising sun more enthusiastically than any other room. That could at least partially explain why I spend far more time there than in my own room, where even the wide open curtains only let in the faintest sliver of light, only a mere suggestion that it might in fact be day time. Like a moth drawn to the light, I'm likely to be found basking in the glow emitted by the row of windows adjacent to the fully transparent door downstairs, in the presence of all cooking activities surrounding. As much as I love this bright space, there are times when I curse the carefully constructed layout. It's not entirely unusual to hear a sickening thud out of no where, and it's instantly understood that another short-sighted bird mistook the solid surface as an opening.
If this happens when I'm around to hear it, I try to make sure that the feathered creature is alright, if a bit embarrassed. Although there's little I could really do to help if they had seriously injured themselves, it's a relief to know that my services are rarely need. Only once did the bird in question not immediately flutter off, shaken but stable. Looking more than a little dazed, I invited a particularly stricken victim of misperception inside to gather his wits and take a small breather. Accompanied shortly by two other worried friends, I asked them all to stay a bit, not wanting anyone to get left behind.
With both caretakers at his sides, it was no time before the whole trio was ready to set off again, behind schedule but wiser for the unexpected pit stop. Now I can fully appreciate when people put seemly absurd stickers on large glass surfaces, warning others to look where they're going. Obvious to humans (in most cases), but a bird flying at high speed might not look twice otherwise. Maybe it's time to invest in something of that sort, although unfortunately, I doubt that many of my winged friends will be able to read the warnings.
Birds are still a joy to have around for company, and if there were a way to have more of them stop in without literally hitting the side of the house, I think it would be the best for all of us. Visitors like the ones pictured here are extremely gracious guests, not at all demanding, and always courteous to their hosts, not to mention a snap to make. Requiring only the most basic crocheting competency and smallest amount of yarn, why don't you adopt a few today?
Using an F hook and worsted weight yarn in the color of your choice, sc 6 into a circle
Sc2 into each st (12 sts)
Sc 1, sc2 into next st* around (18 sts)
Sc 2, sc2 into next st* around (24 sts)
Sc around
Sc 3, sc2 into next st* around (30 sts)
Sc around for 10 rounds
Sc 3, sc2 tog* around (24 sts)
Sc 2, sc2 tog* around (18 sts)
Sc 1, sc2 tog* around (12 sts)
Sc2tog around (6 sts)
Wings (Make 2):
Sc 6 into a circle
Sc2 into each st (12 sts)
Sc 3, sc2 into next st (15 sts)
Sc around for 3 rounds
Sc6 into a circle
Sc2 into each st (12 sts)
Sc2 into each st (24 sts)
Stuff body firmly, gather remaining 6 stitches together and tie tightly. Fold tail in half and sew around outside edge. Sew tail with the flat (inner part) lined up with the last of plain single crochet on the body. With wings about halfway on the body, sew them on so that they are symmetrical, and the tail remains centered between them. Embellish with felt beak and plastic eyes.
Make a whole family, because birds of a feather flock together!


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Benefits of Buying Wireless Glass Detection Systems from an Online Store
Buying of wireless glass detection systems has its advantages. Installing of wireless security system is better than installing wired security systems. The wireless glass detection systems are easy to install since there is no drilling for the wires. Installing the wireless systems saves on cost because you do not have to connect wires. Buying wireless glass detection systems can easily be removed if you want to move from that place to another. This is easy because there are no wires to rip off from walls or you do not need to use an extra set of hands. You do not require to call the professionals to come and help you uninstall the wires. The wireless glass detection systems are easy to move compared to the ones that are wired. Moving of these systems is easy because you do not have to worry about destroying any of the wires. In this article, we will talk about the benefits of buying wireless glass detection systems from an online store.
First and foremost, online stores offer a variety of these detection systems. You can almost find any brand or any item online. Online stores have a very wide range of options, unlike land-based stores that usually limit customers to a few items. While buying online, you can get the latest trends of the glass detection systems without spending a lot of money. Online stores allow you to shop in other states or countries. Land-based stores may not have the specific system that you are looking for. We said that online stores have a wide range of variety because here you can choose the colors of the systems or even their sizes. You have a higher chance of getting the detection systems from a virtual store than on a land-based store.
Another benefit of buying a glass detection system online is that they save on cost. Online products are known to be affordable. Buying systems from an online shop means you will buy the product at a cheaper price compared to buying the system in a land-based store. This is because products come to the seller directly without going to the retailer. A land-based store is costly because the owner has to pay rent and other services but an online store is free. Many online stores offer discounts on their
products and this will attract customers. While buying products online, you get to save money and this means you also get to pay fewer taxes.
Also, another thing is that online stores are very convenient. This is because when buying a product online, you can get to shop at any place any time, unlike land-based stores where you have a specific time to shop. Online stores are said to be convenient because you do not have to wait for a line to pay for the product. Waiting on the line can sometimes be irritating because you might be in a hurry and so you have to wait till it is your turn. In online stores, you do not have to do this. This article explains some of the benefits of buying wireless glass detection systems.
The Essential Laws of Explained


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The edw file extension is related to the SolidWorks eDrawings and used for its data files.
Software that open edw file
EDW file extension - SolidWorks eDrawing data
What is edw file? How to open edw files?
File type specification:
3d graphics, CAD-CAM-CAE file type
edw file icon:
The edw file extension is related to the SolidWorks, a solid modeling computer-aided design (CAD) for Microsoft Windows operating system.
The edw file stores some kind of data used by SolidWorks.
The default software associated to open edw file:
Company or developer:
SolidWorks Corporation
A popular is 2D and 3D CAD (computer-aided design) and CAE (computer-aided engineering) construction software for Microsoft Windows developed by SolidWorks Corporation.
SolidWorks is distributed in three distributions: Solidworks Premium, Solidworks Professional and SolidWorks Standard.
List of software applications associated to the .edw file extension
Recommended software programs are sorted by OS platform (Windows, macOS, Linux, iOS, Android etc.)
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Click on the tab below to simply browse between the application actions, to quickly get a list of recommended software, which is able to perform the specified software action, such as opening, editing or converting edw files.
Software that open edw file - SolidWorks eDrawing data
Programs supporting the exension edw on the main platforms Windows, Mac, Linux or mobile. Click on the link to get more information about SolidWorks for open edw file action.


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Challenges and future Prospects of the mining sector in Zimbabwe – CRD
A new report from the Centre for Research and Development, "Challenges and future prospects of the mining sector in Zimbabwe," raises some important points on Zimbabwe's mining sector and the challenges a lack of accountability in that sector create for Zimbabwe's economy.
The report begins:
The later part of the year 2013 saw the government of Zimbabwe making lukewarm efforts to address challenges bedeviling the mining sector that civil society groups working in this sector have been highlighting relentlessly for years with very limited response from government. Despite the mining sector failing to achieve the projected growth of 17% in 2013 statistics from the ministry of mines indicate that mining has significantly contributed to Zimbabwe's Gross Domestic Product (GDP) from an average of 10.2 percent in the 1990s to 19.9 percent in 2009 and 2013 surpassing agriculture. Similarly, figures from the Zimbabwe Investment Authority for 2013 also reveal an upward trend of the mining sector attracting 207 million out of the 660 million worth of investment with the remainder 460.30 million falling into other 5 sectors of the economy. Between 2009 and 2013 the mining industry became the leading export sector accounting for over 60% of Zimbabwe's total export earnings. In spite of this growth, the mining sector's contribution to fiscus has largely remained insignificant due to lack of transparency and accountability prevalent in the governance of the sector.
Download the full report here


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Fr. Chad M. Droessler, Parochial Administrator Pastorate 26
Parish Office Hours: Wed & Fri: 9am-12pm
The U.S. bishops are inviting the faithful to participate in "Nine Days of Prayer, Penance and Pilgrimage" surrounding the 40th anniversary of legalized abortion throughout America.
"In addition to our current everyday pro-life efforts, a nation-wide commitment to prayer and penance is essential to ushering in a culture of life," said Tom Grenchik, executive director of the U.S. bishops' Secretariat of Pro-Life Activities.
In a Jan. 4 post on the website for the U.S. Conference of Catholic Bishops, he emphasized the need to "respond to 40 years of the culture of death with great confidence and hope."
The bishops have announced a call to prayer, penance and pilgrimage for life on Jan. 19-27 this year. Materials have been published on the bishops' conference website for those who want to participate in the campaign.
Jan. 22 marks 40 years since the Supreme Court legalized abortion throughout the nation with its decision in Roe v. Wade.
More than 55 million unborn children have been killed through abortion since that ruling. Hundreds of thousands of pro-life supporters are expected to flood Washington, D.C., on Jan. 25 for the annual March for Life.
The bishops are asking Catholics to pray and fast for a renewed respect for life in America during the days surrounding the anniversary and the march.
The initiative is part of a larger movement by the bishops to encourage prayer for the defense of life, marriage and religious liberty in the United States.
The nine-day campaign focuses on the theme of pilgrimage, particularly for those who will be making trips to commemorate four decades of legalized abortion in America.
As hundreds of thousands prepare to travel to the nation's capital in support of life, the bishops' conference has published both English and Spanish blessings for pro-life pilgrims before their journey. Other prayers and materials are also included to help transform the trip into a pilgrimage.
The Jan. 19-27 call to prayer features a youth-friendly novena with daily intercessions, reflections and acts of reparation, as well as facts about abortions.
Over the course of nine days, participants will pray for the conversion and healing of all parents, medical professionals and politicians who have been involved in abortion in America.
Those who wish to receive novena materials through daily text messages can sign up by texting "9days" to 99000. The prayers will also be available online and on social media website.
The initiative also includes a Pro-life Profile activity for young people. It encourages them to take photos of themselves holding signs with a simple explanation of why they are pro-life and to use these photos as their profile pictures, or default pictures, on Facebook, from Jan. 19-27.
In addition, the bishops' conference is holding a video contest for high school students throughout America. Students can submit videos of less than a minute in length from a pilgrimage, rally or other pro-life event surrounding the 40th anniversary of Roe v. Wade.
The videos should illustrate "what it means personally for that student to take part in the pro-life pilgrimage" and to support the pro-life movement and the dignity of human life, as well as "why their participation has special meaning for them during this Year of Faith," the contest instructions said.
The conference has also issued prayers for a Eucharistic Holy Hour for Reparation and Healing for parishes to use to conclude the novena.
Prayers during the holy hour ask God to "awaken in every heart new reverence for the least of your children, and renew among your people a readiness to nurture and sustain your precious gift of human life."
Recognizing that God alone has "the power to forgive sins against human life, and to heal the wounds caused by these sins," the prayers also profess trust in the Lord and ask "that the world and all its inhabitants may be saved."


text: Kung Fu in Africa: Golden Age Hand-Painted Movie Posters from Ghana (1985 – 1999) Master African artisan-painters Joe Mensah, Leonardo, Death is Wonder, Alex Nkrumah Boateng, D.A. Jasper, Stoger, Bright Obeng, Gilbert Forson, Samuel, Dan Nyenkumah, Africatta, Babs, Muslim. Curated by Ernie Wolfe III Hanart TZ Gallery, Hong Kong 11 March – 12 April 2016 Image Courtesy of Hanart TZ Gallery; Photography by Kitmin Lee www.hanart.com


text: He might have looked like just another chiseled action toy, but Stretch Armstrong was so much more than a plastic physique. As "the unbreakable toy," he was perfect. Bending, pulling, twisting nothing could bust him. His extraordinary stretchiness drove fans to the toy, as its limbs could be pulled out to four times their natural span and still manage to squeeze back to normal size without the smallest stretch mark.


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In a blur of powerful anthemic songs, a stunning LED backdrop, hardcore rushes, massive ballads, serious commentary and daft stunts, Green Day arrive at the sold out 30,000 plus capacity Old Trafford cricket ground on a balmy Mancunian evening. It's a show of strength that seems to be beyond the mainstream media sense of belief.
Their stunning show, almost two hours long, is 21st century rock & roll perfection. Somehow they have managed to scratch the fabric of their constituent sound and make it work in a variety of styles that would be way beyond most bands. Forging on from their roots in the San Francisco punk rock scene, they have the adventure of The Clash and The Beatles - two constituent influences - but have very much moved in their own no-barriers direction without the associated genre fear that hampers so many bands.
Their song writing talent and ability to communicate with a huge section of the public has made them one of the biggest bands in the world today, and they are using the space they have been given very well.
There are moments in this spellbinding show that are simply beyond belief.
Green Day have taken the emotional highs and lows of a rock & roll concert and turned them into something else. Somehow they manage to combine slapstick humour, goofy pranks, fierce pop punk, heartbreaking ballads, blinding introspection and stadium bombast - sometimes all in just one song. They are at ease with massive anthems like 'American Idiot' that stuck it to the right wing pro-war media jocks and was still a huge hit; they can deal out a massive ballad, hardcore thrash or, on the Marilyn Manson tinged 'East Jesus Nowhere', a rumbling stadium glam workout. That they can also thread these into some some sort of narrative is their true genius. Their current album, which forms the backbone of their set, is a triumph in modern American storytelling.
The band can play tough. The rhythm section is superb, and Billie Joe Armstrong is one of the best songwriters operating in modern rock & roll. Despite his mass success, he still has the knack to communicate with the small town neurosis and paranoia that is at the heart of his huge constituency. Armstrong is a twitching presence with a low boredom threshold, disgusted at the world. His songs are stuffed full of punk rock polemic but they also switch from style to style with a hyperactive ease. A Green Day song may start off punk rock but could switch anywhere within thirty seconds - it shouldn't work, but it does.
All this is underlined with an incredible light show on LED screens that is easily the best I have ever seen. Stark, dark and comic book brilliant, it subtly underlines the proto power of the songs and helps to fill the stadium with a sound and vision that takes you on a trip into the dark heart of America.
Somehow Green Day manage to entertain and blow your mind...
They are more than ably supported by Joan Jett, who has been given some spotlight with the upcoming Runaways film. She still looks effortlessly sassy, sexy and cool. At 51, she's been touring her greatest hits set for years but still plays the songs with such a power and passion that they could have been written yesterday. Her supreme voice, sounding like it's been tarmacked by rock & roll, cuts through the huge PA, and her band's glam rock & roll stomps makes her, oddly, the last survivor of that very British strain of glam-rock that was the true sound of the early 70s. The youthful Jett would hang out in the glam clubs in LA, soaking up the British glamtastic rock & roll that was far different from the American glam that was to follow.
Instead of the clumsy appropriation of glam from the likes of Kiss, British glam was stompingly dark yet good-time music with tribal beats and big choruses. No one does this music any more apart from Jett, who adds a rock & roll vim and fire to the mix and has created a music that perfectly suits her no bullshit persona - a persona that has seen her lauded as one of the key mentors of the riot Grrrl scene. Joan Jett wanted to play rock & roll on her own terms and succeeded. Her cover of the Arrows 'I Love Rock & Roll' is still a totemic moment and one of THE great rock & roll anthems: when she does that guttural scream thing in the middle, it still affects your groin in a strange and beautiful way.
Joan Jett rules and it's now time for us to acknowledge this.
Green Day, too, have some history. They may still look like teen brats, but they've been around for over two decades.
It's been a long time since I was compering a gig at the legendary and just shut TJs venue in Newport. They were the first band on - some awkward, scruffy kids from San Francisco playing a speedball punk pop set to 20 fanatics at the bottom of some long-lost punk rock bill.
That night, they were plying their trade in that curious gap that existed just after Nirvana, who had reawakened interest in punk rock and inspired a generation of kids to search for a Nirvana of their own, having just missed out on their raw and visceral power.
Green Day emerged from the Gilman Street scene in San Francisco, the ultra idealistic punk rock venue that started in 1986 a year before the band were formed. They were virtually the house band in the venue, and part of the scene of bands who were shackling melody to the fierce power of hardcore.
Hardcore had rewritten the American underground, and had already spawned its own legends and hardcore crews. Ignored by the mainstream rock critics, hardcore has been the backbone of American rock for decades. Green Day were never hardcore, but were part of its idealistic take on punk rock and were very much part of the next shift - the Californian twist that added sweet melodies to the hardcore rush.
They signed to local label Lookout records and toured their way up the punk rock food chain. Their 1994 major label release of Dookie saw the band hit the mainstream powered by the international hit single 'Basket Case'. The twitching urgency of the song and their live performances was a perfect assimilation of nervy teenage neuroses, and the band have somehow managed to retain that youthful excitement with a rapidly developing musical template that is documented in tonight's show.
Sure, they still play their harder, punkier tunes; songs played with such feral energy that the dumb claims that they are not punk are swiftly thrown out the window. This had became very much part of the debate about Green Day... are they or are they not punk?
It's an odd debate. A couple of years ago, Mr. Butter Ad himself, John Lydon, was sneering at Green Day for not being punk - yet while they may be removed from the filth and the fury of The Sex Pistols, they've both straddled the great pop divide. Defining what is or isn't punk is a treacherous game, played only by fools and people not sure of how to define the indefinable. Punk is so many different things to different people that to force it into one specific sound, style or genre is quite foolish. The argument runs that Green Day's success and capability of writing super catchy songs rules them out of the punk lineage; but it would surely be the ultimate in selling out if Billie Joe Armstrong suddenly pretended that he could not wrote a catchy song that transcended boundaries, and deliberately kept his band underground to attempt to appeal to the ultra snobby purists who have filled the movement with their own petty rules.
The fact is, Green Day write great pop songs and deliver them with a ferocity that many punk bands seem incapable of. They are also the most influential guitar band of the last two decades, with a whole bizarre cross section of young groups picking up guitars in suburban garages to the sound of Green Day - far more, for example, than pet bands like The Strokes. They hardly fit into the accepted story of 'How Things Are' and hideous indie snobs run from them, scared of their capability to talk to a whole raft of people.
Old Trafford is a true triumph for a band that has it all. The scope in their song writing is breathtaking, the switching of genres and styles astonishing, and the way they manage it all within the parameters of the punk-rock code is perfect. It's the way that somehow they filter a whole gamut of pop culture and pop music through the sieve of punk-rock and make music that relates to the fractured 21st century that is stunning.
And they also do this with a great sense of humour and a willingness to engage with their audience that terrifies the snobs. It's not only supremely effective but decidedly natural. The set is also full of pranks and moments of supreme silliness that are hilarious and engaging. Billie Joe is like a perpetually hyperactive five-year-old with his mad, staring kohled-up-eyes and a supreme warmth which defies boring concepts of rock & roll cool and its studied posing. The fact that his band rock so hard that it doesn't really matter how goofy they become also helps.
They are the ultimate small town band, for all the small towns in the world ganging up on fake city cool and winning. They are a thrillingly powerful rock & roll band - a group who took punk rock to the mainstream and won, and whose live show is the best stadium show in the world in 2010.


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The Global FlyFisher
Simply the Best Place to go for Online Fly Fishing and Fly Tyinghttps://globalflyfisher.com/video/fly-fishing-the-flats-for-bonefish
Fly fishing the flats for Bonefish
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Earlier this month I was sent down to the Bahamas to round up some footage of bones on the flats. In the midst of it all I was able to take a few casts of my own and connect with a couple bonefish! This was one of the eats I got on camera. Pretty insane how aggressive these fish can be... just don't plop your line on their head!
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See more details about what you can do to help in this blog post.


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Writ of Assistance
A writ of assistance is an order directing that a party convey, deliver, or turn over a deed, document, or right of ownership. This writ, which may also be called a writ of restitution or writ of possession, usually serves as an eviction from real property.
In addition, if a judgment directs a party to execute a conveyance of land, to deliver a deed or other document, or to perform any other specific act, and the party fails to comply within the time specified, the court may direct the act to be done by some other person appointed by the court at the cost of the disobedient party. Where so performed, the act has like effect as if done by the party.
Territorial Limits
The writ is normally limited to execution within the state in which the district court is located unless extended by federal statute, rule or court order.
Issued By
The writ is issued by the Clerk of the U.S. District or Bankruptcy Court, at the discretion of the judge, after judgment is rendered.
Served By
The writ is served by a U.S. Marshal or other person, presumably a law enforcement officer, specially appointed by the court in accordance with Federal Rule of Civil Procedure 4.1(a).
Manner of Service
The writ is served according to the exact instructions outlined in the writ.
The person who effects service shall make proof of service by recording the action taken pursuant to the instructions contained in the writ.
Note: The information related to the service of court process that is contained on this web site is general information and not intended to be an exhaustive or definitive explanation or depiction of Federal rules of procedures for the service of process. Readers are directed to the Federal Rules of Criminal and Civil Procedure; personal legal counsel; the United States Code, Titles 18 and 28; their local U.S. Attorney's Office and District Court for specific, authoritative guidance.


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Earlier this year, when Jake Arrieta was named the Orioles' youngest Opening Day starter since Mike Mussina, he talked about the magnitude of the honor and the leadership responsibility it carried.
Feeling fully recovered from August elbow surgery, Arrieta said he was ready for the role, and, on April 6, he pitched a two-hit shutout, backing up his words with his talented right arm.
Two months later, after a 9-6 shellacking Friday night by the scuffling Philadelphia Phillies that perhaps was the worst outing his career, Arrieta is likely out of the rotation and headed to Triple-A Norfolk.
"You have a tough start like that, there's a lot of emotion going around. I am sure by Jake, too. The last thing anybody needs is me weighing in on it publicly," manager Buck Showalter said. "We know Jake is capable of a lot better. But I think everybody knows we expect some of our young pitchers with their experiences, that they've had to graduate to a little bit more consistency."
With the team needing to make a roster move to recall today's starter, Tommy Hunter, from Norfolk, a demotion of Arrieta seems likely.
"I really haven't thought about it," Arrieta said to reporters moments after the game. "Just kind of going over the game in my head, trying to analyze things, probably overthinking things a little bit too much. I'm just kind of lost right now."
The 26-year-old right-hander has been out of sorts most of the season, searching for consistency from start to start and sometimes inning to inning -- failing to make the most of an above-average arsenal that includes a mid-90s fastball. On Friday, he allowed six runs in one inning and then struck out the side in the next.
"It probably tells you there are probably some other things going on besides physical issues," Showalter said. "It's a challenging game. I am sure it is frustrating for Jake because he is in great shape, his arm feels good. There are a lot of things in his corner. But he just can't get it to happen on the field."
Before an announced 40,459 -- with a significant pro-Phillies feel -- Arrieta seemingly hit his nadir, giving up a career-high 11 hits and a career-worst nine runs in just four innings. It was the first time an Orioles starter allowed at least nine runs since Jason Berken did it at Oakland in June 2009. No starter had given up more in one outing since Jason Johnson allowed 12 runs (10 earned) on Aug. 15, 2000, against the Chicago White Sox.
Arrieta (2-8, 6.32 ERA) said it was "by far, yeah, absolutely" the most frustrated he has been in what "easily" is the toughest stretch of his career. He has lost six straight decisions in a span of seven games; last year he won 10 of his 22 starts for the Orioles before being shut down to have a bone spur removed from his elbow.
"Just frustration seems to continue to build, and just having a hard time getting out of it. It's wearing on me a little bit," he said.
After surrendering a run on three softly struck singles in the first, Arrieta imploded in the second with some help from the Orioles' shoddy defense.
The Phillies (29-31), who had lost six straight and hadn't scored more than four runs in any of those games, scored six runs in the second inning while hitting for a team cycle -- and then some. In the second, the Phillies strung together a hit batsman, a single, three doubles, a triple and a homer by former Orioles farmhand Mike Fontenot.
"I didn't command the ball well. Left pitches up," Arrieta said. "Just things didn't go my way, and just a tough inning, real tough inning.
The Orioles weren't charged with an error in the second, but shortstop J.J. Hardy and left fielder Endy Chavez allowed a foul ball to drop between them; first baseman Mark Reynolds couldn't handle a smash by Shane Victorino that went for a two-run double; and center fielder Adam Jones failed to cut off a ball that went to the wall and permitted the speedy Juan Pierre to pick up a triple.
The inability to make a key defensive play certainly didn't provide Arrieta with an extra dose of confidence.
"We didn't exactly help him a little bit," Showalter said. "There were probably a couple plays we should have made that could have shortened that."
After striking out the side in the third, Arrieta served up a two-run homer in the fourth and was replaced in the top of the fifth by lefty Dana Eveland, who pitched three hitless innings as the Orioles attempted to scratch back. They scored five runs against Philadelphia starter Joe Blanton (5-6), including a solo homer by Chris Davis, his 10th, and a two-run double by Robert Andino.
Hardy hit his 11th homer of the season, a two-run shot against reliever Michael Schwimer, in the seventh to cut the Phillies' lead to three runs.
But the Orioles couldn't score again against relievers Antonio Bastardo and Jonathan Papelbon.
Despite the Orioles' offensive push, Friday's early deficit was too deep.
"It didn't get off to a great start, down 7-0 in the second inning, but you see the fight in this team," Jones said. "We put up six when we were down by seven right out of the gate. It was too big of a hole to crawl out of, but we sure ... tried to escape it."
Baltimore Orioles Insider
The Orioles (32-26) have lost nine of their past 12 and 12 of 17, and fell from first place to third in the American League East with wins Friday night by the Tampa Bay Rays and New York Yankees.
"We're not playing the best baseball right now. We can easily change that around, but it's still a collective effort," Jones said. "We're going to sit on this loss tonight. Everybody in here is [upset] when we came in here after the game."
No one, though, was more affected than Arrieta, who might not get a chance to redeem himself right away.
"I can get big league hitters out. There's no question about that, and I can do it at a high level," he said.
"Just not being able to put it together for a complete start right now in a stretch of four or five outings is very frustrating. I think everyone here knows what I can do. Going out there tonight in front of 40,000 people and having a clubhouse full of guys out there who count on you to go out there, and [you] give it up like that is pretty frustrating."


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This model is from a dream i had. i dreamed it would be a home for a person in outer space. it would float out in space aimlessly. the person would get his oxygen from the tree and his food from different fruit and vegetable plants that he would plant before being sent into space. […]
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Guthrie Lonergan
Tuesday, 13 July 2010


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Closing Day & Beyond
Your Journey's End
This marks the end of the homebuying process and the start of your new life as a homeowner. The homebuying journey comes to a close with a flourish of signatures. It's time to celebrate achieving the dream of homeownership!
Every buyer's closing day looks a little different. But here's a look at some common aspects of what will hopefully be a memorable and joyous event.
Final Walk-Through
Your purchase contract should stipulate your right to a final walk-through within 24 hours of closing.
Your real estate agent may or may not accompany you to this last pre-purchase visit. Take a close look and make sure that all repairs have been completed; all included appliances and fixtures are present; and that all unwanted items have been removed by the previous owner. Alert your real estate agent immediately if you detect any problems.
Making Payment
After a careful review of the Closing Disclosure, your agent and lender will let you know if you need to bring payment to the closing table. Closing agents usually require either a cashier's check or a verified wire transfer as the only suitable forms of payment. You can't just write a personal check or bring cash. If your seller has already agreed to pay closing costs, you may not have to bring any money to close.
Who Attends Your Closing
A representative of the title company usually runs the closing meeting. Give yourself at least an hour to be safe. Some closings may take more time, and some take less. The closing agent explains all paperwork and gets the necessary signatures.
Your real estate agent will usually attend the meeting, too. It's extremely comforting to have a knowledgeable and familiar advocate by your side in case any problems or questions arise. The sellers and their real estate agent may also be present. A seller might also choose to complete the necessary paperwork in advance.
What You Will Sign
Get ready to feel like a celebrity. Your signature plays a pivotal role during the closing process, and is required on numerous documents, including:
- Closing Disclosure: The Closing Disclosure is a final review of all loan fees and costs and must be made available to buyers at least three business days before closing.
- Promissory note: This is basically a legal IOU. The promissory note details the lending agreement between you and the lender, including the loan amount, the interest rate and the number of years in your mortgage term.
- Mortgage or deed of trust: You'll either sign a mortgage note or a deed of trust, depending on where you're purchasing. These basically do the same thing – pledge the property as security for the loan. This allows the lender to take back the property if you stop repaying the loan.
- Warranty deed: The deed transfers legal title of the property to the new owners.
- VA Form 26-1820 (Report and Certification of Loan Disbursement): This document helps confirm that the lender is closing a loan that meets VA guidelines and regulations. VA buyers will also certify their intent to occupy the property as their primary residence.
- IRS Form 4506-T (Request for Transcript of Tax Return): You've likely already signed this form once during the loan preapproval process. But it's become common for lenders to double check your income and tax information, including individual tax returns, W-2 wage and tax statements and more.
- Initial Escrow Account Disclosure: This statement estimates how much you'll contribute to your escrow account during the first year of your mortgage. VA buyers typically escrow money each month to cover their annual property tax and homeowners insurance bills. Your mortgage servicer is responsible for making sure these get paid.
- Borrower's Certification & Authorization: This is a common form for home loans and certifies that the information you're providing is accurate. This form also authorizes the release of credit, tax, employment and income records to the VA or to lenders that may purchase the mortgage on the secondary mortgage market.
- Affidavit of Occupancy: This is another common form during loan closings. VA buyers must certify their intent to occupy the property as their primary residence, typically within 60 days of closing.
Taking Title
During the loan closing, you'll finalize the title for the property. There are a number of ways to hold title, and it's not a throwaway decision. Divorce, death, lawsuits and more can all lead to title-related implications.
Common ways to title a property include:
- Joint tenancy: Two or more people holding title jointly, with equal interest in the property. This is common for spouses and couples. Joint tenancy features a right of survivorship, which basically means the ownership of the home transfers fully to the remaining tenant.
- Tenancy in common: Unlike joint tenancy, one tenant in this setup can own a larger share of the property than others. There's also no right of survivorship.
- Sole ownership: This is when just one person holds title, even if there are multiple parties involved with the home loan.
If you have questions about how to title your property, talk with your loan officer, a financial professional, an attorney or all of the above well before closing day. Every buyer's situation is different, and some title scenarios may be more beneficial than others.
Recording the Deed
Your lawful ownership of the property is enshrined in what's known as a deed. It's a legal document that attests to a transfer of homeownership – the home is changing hands from the seller's to yours.
After your loan closing a title company employee will usually take your deed to your county's administrative offices, where it will be formally recorded. The recording fee is typically part of your closing costs.
At this point, your home purchase is a matter of public record. Some of the information associated with the transaction will be accessible to anyone in your community and beyond.
Servicing Your VA Loan
When it comes time to make your first mortgage payment, you may not be sending the money to the same company that financed your home purchase. That might sound odd, but it's completely normal.
Some mortgage lenders will make a loan and then go on to service it, meaning they collect the monthly payments, handle the escrow accounts for your property taxes and homeowners insurance and more. But lenders can also sell the servicing rights for the loans they make, along with the loans themselves.
That means another company is now responsible for collecting those payments, forwarding on your principal and interest portions and even initiating foreclosure proceedings. It's important to understand that the rate and terms of your loan won't change if this happens.
Buyers will encounter and sign a "Servicing Disclosure Statement" as part of their loan process paperwork. This document outlines your lender's servicing policy. Basically, you'll learn one of three things: The lender will not service your loan; the lender will service your loan; or the lender may decide to sell your loan servicing at some point after the loan closes.
Lenders are required to notify you at least 15 days before your loan servicing is transferred to another company. These disclosures must include:
- The effective date of the transfer.
- The name, address and phone number for an employee or a department at both the current lender and the new servicer who buyers can contact with questions.
- The date the original lender will stop accepting payments and the new servicer will start.
- Written acknowledgment that the transfer of servicing rights doesn't affect any other terms or conditions of the loan.
During a 60-day period beginning with the effective date of your servicing transfer, your new mortgage servicer can't charge any late fees or penalties if you accidentally send your payment to the wrong place.
Please don't take it personally if your lender winds up selling your loan servicing. Some lenders don't service any of their loans. Others service some and sell others. It's a purely financial decision.
This is another way for VA lenders to generate revenue, which, in turn, helps them make more home loans to veterans, service members and military families.