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How the Foreclosure Process Works
There are three general foreclosure phases – the initial default stage, the foreclosure lawsuit and post-lawsuit issues including how to stop a foreclosure sale and possible appeal of the judgment.
First Phase of The Foreclosure Process
The first phase of the foreclosure process starts after you miss a few monthly payments and the lender sends past due letters which progressively get more threatening and culminate with a formal notice of default giving you a final chance to resolve the past due balance within a specified number of days.
The final Notice of Default in a non-judicial sale state may be the only notice you receive so review all correspondence carefully for any indication that the property is moving to foreclosure sale. In a judicial sale state, the final notice of default must contain specific language and comply with the exact requirements listed in your note and mortgage so be sure to retain copies of all correspondence from the lender for later use as a defense in your foreclosure lawsuit. Judicial Sale v. Non-Judicial Sale States
Understanding the requirements for the notice of default as well as the difference between important loan documents like the promissory note and mortgage or deed of trust is essential to protecting your foreclosure rights and developing a foreclosure solution that works for you. Difference Between the Promissory Note and Mortgage
It's also important before going much further to figure out who actually owns your mortgage. As you'll read in our recent blog Who Owns Your Mortgage and Why Care? the answer is typically very complicated and it's possible that a lender offering a loan modification and accepting your payments is not the true owner who may file their own foreclosure lawsuit later in the foreclosure process. For those of you with a second mortgage in foreclosure the same principles apply in making sure you're dealing with the proper party.Your Second Mortgage in Foreclosure
In reality, few if any homeowners can make large payments to resolve past due balances when they couldn't make the original monthly payments but the first stage of the foreclosure process is still a valuable time to negotiate with lenders for either a Loan Modification or Short Sale. Regardless of the outcome of your negotiations during this foreclosure phase every month a foreclosure lawsuit is delayed is another month to save money otherwise used for mortgage payments. Learn About More Foreclosure Options
This is also an important time to figure out if you have Mortgage Insurance which greatly increases your chances of avoiding foreclosure. If you have mortgage insurance be sure to read our post How Mortgage Insurance Can Help You Avoid Foreclosure.
There are no guidelines as to when your lender will stop negotiating and file a foreclosure lawsuit so be prepared to implement your foreclosure plan to stop the foreclosure sale at any time. Generally the longer you keep lines of communication open and continue to work with the lender towards modification or some type of assistance, the more likely the lawsuit will be delayed. In many circumstances, however, the lender will continue working with you while filing the foreclosure lawsuit – a process known as dual tracking- so don't trust the bank unless you see it in writing.
Second Phase of The Foreclosure Process
The second phase of the foreclosure process begins when the bank files the foreclosure lawsuit and personally serves you with a copy of the legal papers. You'll probably be served at home and it's much better to answer the door and accept the papers than avoiding the process server hoping it will delay your case until they find you. What will likely happen from your hide and seek skills is that the nasty bankers will just "serve" you by publishing notice of the lawsuit in a local newspaper which may prevent you from filing your response on time and give your neighbors and friends too much information about your personal matters. Dangers of Foreclosure Stress
If you can afford to hire an attorney now is the time. Depending on the state you're in and how you were served with the lawsuit, the response is typically due in either twenty or thirty days and a qualified lawyer with foreclosure defense experience is in the best position to help. The attorney will also make sure you don't miss filing deadlines or overlook any important legal defenses you may have. Read About Possible Foreclosure Defenses
However if you can't afford to hire an attorney don't worry because we provide everything you need to help yourself. In addition to information you need to choose which foreclosure option is right for you, SaveTheCave.com also gives you the Sample Documents needed to implement each option. See How SavetheCave.com Can Help Fight Foreclosures
If you decide to fight and defend your own foreclosure lawsuit, we offer sample legal documents and forms to help you get started. If it's a short sale, loan modification or deed in lieu of foreclosure you're looking for, you'll find all the letters and forms needed to do so. See More Sample Documents
Overall what happens in this foreclosure phase depends on what you're trying to accomplish. If you were misled or taken advantage of by the lender, or if the wrong party is trying to force a foreclosure sale when they don't own your mortgage you may have no choice but to defend your own foreclosure lawsuit. If your case is strong enough against the lender, you may find an attorney willing to defend the suit and file a counter-lawsuit against the lender for a percentage of what you win in damages. Strange But True Foreclosure Stories
If you can't find an attorney willing to take the case for a percentage of the recovery with no upfront fees, you have no choice but to defend yourself so read on and get educated about the foreclosure process. We're here to help so you're not alone and you're not giving up without a fight! It's your home and worth whatever it legally takes to keep it. Don't Let Foreclosure Stress Control Your Life
Final Phase of The Foreclosure Process
The final stage in the foreclosure process is the post-lawsuit phase if the lender has won the case either by summary judgment or after a final hearing. The next step for the bank is setting a date for the sale and holding the auction either at the courthouse or online depending on which state you're in.
Due to the huge number of Florida Foreclosures, we have dedicated a significant portion of our site and provided extensive detail on the Florida Foreclosure Process and Defending Florida Foreclosure Lawsuits where most auctions are now being held online. Florida is Ground Zero in the Foreclosure Battle
Another important issue during this final foreclosure phase is avoiding Deficiency Judgments which is the difference between your loan amount and how much the property sold for at the foreclosure sale. Even at this late stage, all hope is not lost as you still have options to stall the foreclosure process and stop foreclosure sales. We have discussed foreclosure alternatives in detail in our Foreclosure Options section, including filing Foreclosure Bankruptcy which will immediately stop foreclosure sales and significantly delay the foreclosure process overall or negotiate a Deed in Lieu of Foreclosure with the bank.
Depending on the facts of your case you may have strong grounds to appeal your case. Although filing notice of appeal may not stop foreclosure, it will preserve your rights and may result in getting your home back even after the sale if you win the appeal. Additionally, you can always continue to pursue loan modifications and short sales until the property is actually sold as well as having a friend or relative purchase your property on your behalf at the auction and foreclosure sale.
Related Content:
Strategic Default to Beat the Bank


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Waist Deep (2006) / Thriller-Action
MPAA Rated: R for strong violence and pervasive language
Running Time: 97 min.
Cast: Tyrese Gibson, Meagan Good, Larenz Tate, The Game, H. Hunter Hall, Kimora Lee Simmons
Director: Vondie Curtis-Hall
Screenplay: Vondie Curtis-Hall, Darin Scott
I think the hardest aspect of writing this review will be to resist the impulse to misspell "Waist" as "Waste". At its core, this is just another gangster fantasy, playing out with all of the depth and realism of a video game like "Grand Theft Auto: San Andreas" and many of its imitators. Not that that's a bad thing necessarily, as the visceral nature of such fare certainly can make for an engaging viewing experience, and some of the appeal of this film comes through the use of in-your-face camerawork and a constant sense of urgency. It starts off quite well, with a gripping opening and main premise, only to lose its footing right around the time that someone loses his arm in a grisly amputation scene. From then on it's over-the-top formula action, striving for a pulse-pounding, gut-churning pace, only to fail miserably by becoming increasingly preposterous in its character motivations and story with nearly every successive scene.
The story is simple, but full of unrealistic permutations. A recently-released con with the nickname of O2 (Gibson, Annapolis) gets carjacked with his son Junior still in the back seat. After an extended chase, the carjacker gets away, and after a bit of digging with a nearby hooker named Coco (Good, Venom) who seems to know more than she lets on, he finds that his son is being held by a ruthless drug dealer named Meat (The Game, his debut big screen role). It seems Meat feels that O2 is holding out some money on him from the gig he went up the river for, and now he wants $100,000 within a matter of a day or so, or it's Junior's final day alive. O2 made a promise to never leave his son behind, and it's a promise he intends to keep, as he races around town doing anything he has to to raise the necessary money.
"Grand Theft Auto" comparisons notwithstanding, even taking Waist Deep on its own terms as a movie, there is a sense of familiarity already in the material lifted from other recent releases. The most obvious comparison is Running Scared, another ultra-violent gangster opus involving a man with a checkered past searching with utter desperation for a boy, encountering all sorts of unsavory situations in his pursuit. The political aspect of the film, with its people marching the streets for justice and a lack of understanding from local law enforcement, is reminiscent of another film involving a plotline where a young boy is ostensibly stolen in a carjacking, Freedomland. The man with a checkered past forced to do anything, including abhorrent violence, to get back a kidnapped child is lifted right out of Man on Fire. The grittiness of the crime drama and action, along with the overriding sense of slick style, feels very much like the John Singleton movie, Four Brothers, which also features a menacing villain and retribution storyline lifted right out of 1970s blaxploitation films.
I'm sure that Waist Deep will have its audience, particularly among viewers that love violent films with a strong visual style. Typically, these viewers don't seem to mind skimping out on character development, plausible plotting, or realism as long as the film is action-packed, with strong dialogue and a certain amount of shock value. Conventional narrative building blocks are ignored, while the audience is purely engaged by sensory elements, throwing more brutal violence and profane language at them with increasing intensity.
Sadly, while this sort of thing may be exciting to a certain segment of the population, it is dreadfully boring to others, since there really isn't much to think about or feel connection to. This is a sensationalist fantasy, exploiting stereotypes while masquerading as a film with a serious social and moral backbone underneath. Hypocritical, since the film seems to insist greater police presence is what the crime-ridden streets of the inner city needs, while also making the police out to be apathetic and more of a hindrance than a help, especially to the African-American community crying out for some sort of justice and protection from the thugs running rampant in the community.
In the end, this is just an absurd actioner, neither realistic nor relevant enough to take seriously as social commentary, save to realize just how much pandering of obscenity Hollywood will engage in by constantly trying to cater to a niche audience that likes amoral entertainment. Gone are the days when films like Do the Right Thing and Boyz N the Hood resonate with the public about the realities of the racism and crime that tear apart largely African-American communities. I guess we've given up trying to tell real stories about real situations, inspired more by making our entertainment so shockingly offensive and nasty, that when we walk out of the theater, we don't feel as bad about our own lives or communities, since our reality, as bad as it may be, is at least better than that depicted in our obscenity-laden films and graphically violent video games. The smog-filled air outside doesn't smell so bad when you've spent the previous two hours wallowing, waist deep, in rancid human filth.
Qwipster's rating:
©2006 Vince Leo

subset: commoncrawl


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DIY Retro Set
I rewatched The Great Gatsby recently and have since been obsessed with deco prints and geometrical designs. So, when we had to make a gift for my aunt, it was the first thing I thought off. The idea was to make a set of coasters, a napkin holder and a small tray. To this we… Read More


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This policy articulates Council's approach to improving community health and well being through the provision and management of leisure, sports and aquatic facilities and programs.
This policy applies to Council's Swim, Sport & Leisure Services.
Aquatic and Fitness Network Service Review 2001 - Council
Local Government Act 1989 – Victorian Legislation
Competitive Neutrality Policy Victoria 2000 – Victorian State Government
Competition and Consumer Act 2010 – Federal Government Legislation
The Swim, Sport & Leisure services includes 13 facilities (four indoor aquatic and leisure centres, two seasonal outdoor pools, two stadia, two sports and entertainment venues and three golf courses).
Leisurelink Aquatic and Recreation Centre
Bellarine Aquatic Sports Centre
Kardinia Aquatic Centre
Lara Poo
Leisuretime Sport Centre
Barwon Valley Activity Centre
Simonds Stadium
Geelong Arena
Balyang Par 3
Queens Park Golf Course
Elcho Park Golf Course
Individual and Community benefit:
Council recognises that the provision and management of leisure, sports and aquatic facilities plays an important role in maintaining personal quality of life and as a result contributes to overall community well being.
Council contributes to the overall community health and well being through the provision of facilities and programs such as:
Health and Fitness (gymnasium, group exercise, lap swimming, sporting opportunities, health and wellness programs).
Education and Safety (Learn to Swim Program, sports development, training, conferences)
Sport and Recreation (supervised recreation swimming, sporting and entertainment activities)
Social Awareness (social connection and sense of belonging through group and community activities)
Rehabilitation (gentle exercise and water based programs)
Access and Equity:
Council recognises the economic, social and geographic disadvantage of some individuals and consequently strives to ensure that all persons have equitable access to sport, recreation and leisure facilities and programs.
Financial Management and Customer Satisfaction:
Financial Management and Customer Satisfaction with service delivery will be benchmarked against the overall performance of the aquatic and recreation industry and will reference Council's commitment to access and equity.
Council will review the pricing associated with the provision of sport, recreation and leisure facilities and programs during the annual budget process. Decisions on pricing are made within an overall organisational context.
Council currently subsidises the full cost of operating the sport, recreation, leisure facilities and programs.
Council's approach to pricing of facilities and programs will be that:
Those activities which contribute to the overall community health and well being or are non-commercial in nature will be priced in such a manner that optimise community participation and for that reason will have a component of Council subsidy attached; and
Those activities which are commercial in nature will be priced to enable recouping of the full costs of providing the service.
Where the majority of activity is non-commercial, Council will adopt an avoidable cost methodology to determine costs.
Whilst being aware of requirements of the Competition and Consumer Act 2010 and the Competitive Neutrality Policy January 2000 guidelines, Councils pricing approach does not preclude the implementation of short-term promotional pricing and product offerings with the express intention of increasing usage of facilities.
Quality Records shall be retained for at least the period shown below.


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it's a sad day. i'm glad to hear hawaii is ok, but japan still really needs our help. wishes, thoughts, prayers, donation… whatever we can offer will help. here's the american red cross donation site if you need a quick direct.
i can't seem to find a legitament organization for helping animals during this crisis. if you have any information on that, please let me know!


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Raine Light, Aspiring Martian
A Mars One applicant explains why she wants to take a one-way trip to Mars
By: Viviane Fairbank, Staff Writer
"Only five words?" Raine Light asked, after being told to describe herself simply.
There was a long pause.
"Reliable, adventurous, trustworthy, honest, good friend, communicator," the Mars One applicant finally decided – seven words, none of which are specifically included in the list of characteristics that Mars One, an organization sending four humans to Mars by 2023, is looking for in its candidates.
Mars One says on its website the selection of future Martians is based on the following qualities: resiliency, adaptability, curiosity, the ability to trust, and creativity or resourcefulness. An advisor in charge of the selection process, Raye Kass, says "the key factor related to all these qualities is attitude.
And Light definitely has attitude — of the sweet but determined kind. Since Light's discovery of the Mars One mission April of this year, she has started a "Going to Mars" blog and has been interviewed by CBC's The Current, Hamilton's Matt Holmes Show and The List.
Light's enthusiasm is overwhelming. And yet, Light's goal during her interviews appears not to be bringing attention to her own candidacy, but instead, to promote Mars One's overall campaign.
"One of the key questions that I've been asked is, 'What do you fear the most?'" says Light. "My honest response is that I fear that the project is not going to follow through. At some point it will get cancelled, or just won't get funding, or for whatever reason it just won't happen."
Light hopes that constant publicity for Mars One will help them to acquire the funding that they need – which, for now, is approximately $6 billion for the first four Mars settlers, and $4 billion for each group after that, according to The List. Not a small amount to be raised through campaigning.
Part of Mars One's funding will in fact come from the operation of the mission itself – the process will be filmed for the world to see, as a sort of reality television show.
Bas Landsorp, co-founder and CEO of Mars One, tells The List, "That sounds like a lot of money and of course it is a lot of money, but if you compare it to the reviews of another major media event like the Olympic games, it really is not so much. The International Olympic committee in the Olympic games in London had revenues of… more than $1 billion per week, just because the world is watching."
So travel to Mars may really happen, if we all watch it on TV, and Light says she's prepared.
Her life has certainly been full of travel already.
"My childhood was unique in that we were always moving, we never really stayed in one place longer than three to four years," says Light, who has moved with her family to France, the United States and Trinidad and Tobago, among other places.
"It really does have an effect on my dedication and my desire to go out and do this," says Light about her travel habits. "[My brother and I] learned to be very self-reliant and very open and tolerant of different cultures and people and experiences. Taking that experience and putting it into effect is one of the reasons I'm very keen on doing this."
Light has always been interested in astronomy, but quietly. It was only when she read about the Mars One project in a news article that she decided, "Why not?"
"I've said in the past that [my application] was kind of on a whim," says Light.


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Check your roof
RV Roofs
How long has it been since you've looked at your roof? It's been a while you say but that's ok because you've not seen any water inside? Well, I've got some bad news for you. I've seen RV's severely damaged by water infiltration before anything shows on the inside so get a ladder and someone who can climb up there and check it out.
What to look for you say? Well there are several things.
Physical Damage
What was that noise when you backed into that nice shady spot under the tree? Well, those nice limbs that gave you shade may have given you something else too. Did it rub on the roofing material or poke a hole? Did it crack a plastic vent cover or the air conditioner cover?
Roof Seams
What is that stuff around the vents, skylight and on the edges of the roof anyway? Well, it's material used by the manufacture to cover seams and screws and when it gets old it cracks. And when it cracks it leaks. And when it leaks it's bad. Cracked seams, by far, are the most common problem cause for water infiltration. And it's also the easiest to avoid with a little simple maintenance. We apply a product here that just covers over the existing seam sealer with a flexible material. Don't use products from your local hardware store as that material is designed for houses that don't move. As you RV move it flexes. If the material you put on can't flex too it cracks and you're right back to the same problem. So if you see cracks – have them sealed.
After we seal the seams it looks like this:
Black Areas on the Roof
We are not talking about spots here. We are talking about areas of the roof that are turning black. What causes that? Well, there are several types of roofing materials that are used by RV manufactures but the most common is a rubber roof or EPDM roof. EPDM stands for ethylene propylene diene monomer (M-class) rubber. But most people just say it's a rubber roof. The top layer of the rubber roof is white and the bottom layer is black. Once you wear through all the white layer the black layer is exposed and action needs to be taken soon. Personally, this is one of the reasons why we don't install rubber roofs much anymore. We prefer vinyl for two reasons, they are white all the way through and they don't chalk and streak the camper as they wear. The vinyl we install comes rolled and is installed just like a rubber roof without the issues and you don't have to "condition" it like a rubber roof. More on that below.
Another option is to paint on a covering over the existing roof. While this is a cheaper option I steer people away from this option if they have any chance at all of keeping the RV for more than 5 years. Sooner or later you are going to have to fix it right my Momma says…
Other Maintenance
Well, there are several things you can do to make your roof last. Cleaning and applying an conditioner certainly helps. But remember that the roof ablates (that white stuff that comes off on your hand when you rub on it) so you can shorten it's life by scrubbing too hard too often. A brush and a non-abrasive cleaner will normally do the trick. Never use any cleaner that contains a petroleum solvent
Last Thoughts
Walking on a RV roof is dangerous. The RV will rock underneath you and people have fallen off of them even if they normally don't have problems with heights. Also, some roofs use rather thin decking under the membrane so care needs to be taken to step on the ribs and spread your weight out on those. If you don't feel comfortable being up there just bring your RV by and I'll take a quick look for you. I hardly ever fall off the things…


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Download Full Little Paradise in Best QualityNow you can enjoy Little Paradise in HD quality with duration 90 Min and was released on 2015-08-29 with MPAA rating is 0.
- Original Title : Little Paradise
- Movie title in your country : Little Paradise
- Year of movie : 2015
- Genres of movie : Thriller, Comedy, Crime,
- Status of movie : Released
- Release date of movie : 2015-08-29
- Companies of movie : Amnesty Pictures,
- Countries of movie : United States of America,
- Language of movie : English,
- Durationof movie : 90 Min
- Average vote of movie : 0
- Youtube ID of movie :
- Translation of movie : EN,
- Cast of movie :Luke Edwards (Ken), Flula Borg (Klaus), Austin Highsmith (Sarah), Ashley Crow (Aunt Laura), Nick Mundy (Jean Paul), Olga Segura (Lupita), Kevin M. Brennan (Chris), Eric Pumphrey (Zack), Jonathan Terry (Fred), Maverick Thompson (Harry), Kyle S. More (Ryan), Dante Swain (Princeton), Marc Fajardo (Lil Jimmy), Carlin James (Young Fiend), Tarik Lowe (George), Rawn Erickson (Chad), Isaac Cheung (MC Haystack), Tao Jensen (Guy On Bike), Julius Gibson (Doug)
Movie plot of Little Paradise :
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Writer : Natan Moss, Director : Natan Moss, Producer : Luke Edwards, Producer : Natan Moss
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Tags: motel, illegal immigrant, desert, drug dealers, salvation,


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I got so carried away with politics, I almost forgot to post about tonight! It should be a most fun evening on America's Ballroom Challenge (PBS, 8pm EST), as this event — American Rhythm — is always a crowd favorite. Keep your eyes open for the always entertaining and hungry-for-a-win Emmanuel-Pierre Antoine and Julia Gorchakova,
their main competitors (and current US champs), Jose Decamps and Joanna Zacharewicz,
and the quieter, but lovely couple who always seem to get overlooked by spectators caught up in the relentless Pierre-Antoine / Decamps battle: Felipe Telona and Carolina Orlovsky-Telona.
Have fun!


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I'm a firm believer in Method Travel Writing as a means to bond with a destination. Similar to the Method Acting technique, one needs to immerse oneself in the destination, live like the locals, eat what they eat, hang out with them, in a sense, become one. "When in Rome" type stuff.
I'm very nearly there in Romanian terms. I've got a Romanian apartment, a Romanian car, I speak Romanian (like a two year old, but still…) and I've willingly participated Romania's free-for-all, and for the time being 100% legal, software, music and movie file sharing network that other countries that rhyme with "The Bunited Gates" might frown upon. Today I made the decision to take the final step. I'm going to knowingly play the bureaucratic system.
You may have noticed in recent entries to this blog that I've had a few teensy-weensy problems with my car. The crux has been the nationally mandated inspection, in that I cannot pass it no matter what I do. I have visited the inspection agency three times, the mechanics fives times and a body specialist once, spent more than double the average Romanian monthly wage on parts and labour and frittered away upwards of 20 hours of time that should have been spent in front of my laptop in the past two weeks in an effort to pass inspection and I am no closer now than when I started. Indeed, the number of repairs I have to make has ballooned from eight to 19. While gullibly participating in this exercise in futility, I've discovered that, among other things, years ago my rear brakes were intentionally disabled in a creative way to get around a previous inspection and that the car's current inspection card is a fake.
Clearly, the car's former owners went through the same things I have been going through to appease various unattainable directives and finally got to a point where they had to play the system in order to be able to drive the car out of their garage. I now count myself among this group.
I will not be going back to the mechanic. I will not be spending more money. I will not be standing in line for four hours for a fourth time only to come away with a new list of superficial, inconsequential items to fix. Indeed, I'm ready to play.
First step, I will "lose" several pieces of paper saying that I cannot drive the car, in addition to the latest list of things to fix. If I am stopped, I will execute some accomplish magician slight-of-hand, where I flash around the last inspection along with the pile of work orders and receipts showing that I got everything fixed like a good bureaucratic tool, while not drawing attention to the fact that I don't have a current inspection card. Since technically I have a whole month to get these repairs done before I'm due back at inspection, I'll be using that time productively, racing through the Romanian countryside, visiting all my designated cities and sights. As the inspector failed to date the current list of needed repairs, when asked when my last visit to the inspection agency was, I will simply recite a date four or five days previous to whatever the current date happens to be.
In five weeks, I will have completed my road research and I will sell the car, showcasing the new wheels, new brakes, new spark plugs, new lights, new distributor cap and whatever else I can clean up like new, while conveniently losing my Romanian language skills when the subject of the inspection comes up. Once the sale is done, I'll pocket the cash and disappear. It's the Romanian way.
It's possible that I will get into a serious jam, like with police threatening to fine and imprison me, at which point I'll cash in on the bad karma earned by the shyster who sold me the car. I'll show that he is in fact the true owner of the car (can't change the title until it passes inspection after all!), innocently, but fervently draw attention to the faked inspection card, play like a dumb, naive tourist who got duped by a con man and then grin like an idiot while the cops go after that jackass. Bada-bing, bada-boom.
I figure if I pull this off, I'll qualify for Romanian citizenship.


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Sample Teacher Resume
Consider this: You are solving a statistics problem at around 10 O' clock office cleaning at night. Apart from your set of top 10 universities, a separate listing of institutes that offer the best education in engineering, medicine and management studies also is given below. Choosing the best tutor or tuition center in Singapore for your child can be described as a major headache for most parents given the lack of regulation in the tuition industry.
Take a examine the certification of the tutors, to ensure that you possibly http://www.tutorcity.com.sg/ can make sure the home tutor knows what they're teaching. Having done that in fact, ask the instructor the way they have the best way to reach a really good reliable services tutor will likely be filled up with ideas, a foul tutor will flounder. You can even seek assistance of the local newspaper and magazines to offer advertisements providing your group and private tuition services.
Home Tuition Delhi brings students and tutors under one roof. Obviously, there are several limitations to work design, since the worker population, most like is quite variable in size, shape and weight. Your child may possibly connect better to a male tutor instead of your female tutor or the other way around. In addition, 100-x of the populace includes a value more than x.
The company's current corporate strategy is always to focus around the development and commercialization of the membrane technology. With S$20,000 as start-up capital (raised from selling her apartment and car), Lum opened a small office at an industrial park with two other staff members. You not only get opportunity to watch movies, you cater to a sizable quantity of audience who have come to enjoy movies. Safety features including machine guards and protective shields.
The most typicalunethicalconducton behalf of the tuition agencywill be to make their property teachers lie about their qualification, ageorteaching experience. Question the tuition firmto present you recommendation letters from past customers. It also holds the record for building the largest desalination plants in China and Algeria.
If you are looking for a quality coaching centre and Home Tuition in Delhi, NCR keep in mind your priority and your goals don't deter from them and no one are able to keep success far from you. You can consult family and friends who are able to most likely refer you to English tuition teachers. However, most crucial, it is best tocontact the university and investigate when the home tutoris asexperienced as he claims.


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There are some great agile resources out there and some not so great ones. Here are the ones I like and recommend:
- Scrum.org – the home of Scrum. Loads of resources including forums where smart Scrum people hang out.
- Steve Rogalsky's blog – has lots of resources for Story Mapping
- Jeff Pattons blog: great stuff on a range of ttopics, including Agile UX and Story Mapping
- Ken Schwaber's blog: in typical direct Ken fashion – telling it how he sees it.
- Jeff Sutherlands blog: good material on general Scrum stuff
- Kane Mar's blog: scrum goodness
- The Intentional Workplace: Transforming work one conversation at a time
And here is some free stuff:
Scrum Master Position Description – I got sick of clients asking me if I had one of these so I wrote one and open sourced it. Help yourself.
Product Owner Position Description – as above
If there is something else you think should be here then please comment and I will see I can sort something out.


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When I was posting this there's only one song in my mind, "Run the world" of Beyonce'! Hope you recognize all of them. Pardon? Oh you mean where's THE ANNA? Sorry I really don't dare to ask her for a photo shoot, neither to post the sneaky photo here. I was running after these women over and over not only that I need them in my report but also that I admire them. It must be so long long road to success like they do now.
pic.1 Old friends reunion after the show of PRADA 2013 SS, Giovanna Battaglia and Anna Dello Russo, caused a traffic jam of street shooters!
pic.2 Nina Garcia concentrated in the show, looks like project runway haha.
pic.3 Taylor Tomasi Hill is now the art director of Moda Operandi, a e-commercial shop where you can buy the show piece rignt after the show, she was still working for Marie Claire while this pic was taken.
pic.4 It's so hard to take a photo of Kate Lanphear all my shoots of her are her back. But I like it. She looks phenomenal even only with her back.
pic.5 Met Carine Roitfeld outside Bottega Veneta 14 AW, She's wearing the show piece from MaxMara the day before.
pic.6 I don't know who others are but there was Emanuelle Alt on the second left. looks like they are a group are they all from Vogue paris?
發這些相片時我在心裡大唱著碧昂絲的"Run The World",是的,這幾位在時尚界各據山頭的女王級人物們讓我每回在時裝週時到處追著跑,報導需要為其次,而是我個人太崇拜這些一路走來過關斬將的女強人們。啊?你說怎麼沒有美國的安娜?由於我是打從心底的對她心生畏懼(尊敬),從來沒有膽子光明正大的正面拍攝過她所以…就算有些偷拍也不敢亂放我心臟真的很小。
圖一是Prada春夏2013下秀後在場外聊天的Giovanna Battaglia和Anna Dello Russo, 老友的聚會造成現場大塞車接拍攝影師們萬頭鑽洞局面。
圖二 大家肯定不陌生Nina Garcia,她在看秀我在對面看她,好像在看Project Runway!
圖三 我好喜歡的Taylor Tomas Hill,最美的時尚編輯非她莫屬。去年他從原本的Marie Claire US轉戰網路平台(modaoperandi.com, 堅強製作陣容,一個可以讓你立刻買到最新秀款的購物網站)當藝術總監。
圖四 Kate Lanphear永遠背對著我的偶像。
圖五 遇見Carine Roitfeld現任CR Book 總製作人,前Vogue Paris總編,身著前天剛上秀的MaxMara 2014秋冬新衣好大排場!
All Sourse: Yu Lee
Last but never the least, I give you Anna Wintour.


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**Please note I was provided a 3 month trial membership with Rocksbox as compensation, however all opinions are my own.
7 comments
Love the white skirt! Pairing it with a black top makes for a classic look!ReplyDelete
Abby | Life in the Fash Lane
I love the see-through detail on the skirt. It's such a great girly skirt.ReplyDelete
You would look fabulous in this outfit at any age so don't lock yourself in a style box just because of your age! I am 42 and I would absolutely wear something like this if the mood struck (or if I owned it)! I am totally swooning over your skirt and shoes, by the way! Rock on, girl. You are fabulous and Stacy London's show got canceled!ReplyDelete
You look so lovely! Perfect combination!ReplyDelete
Such a fun skirt!! Pretty look!!ReplyDelete
xx, Elise
I LOVE this whole look! The skirt is so feminine but those shoes are so edgy it makes such a statement!ReplyDelete
I love this whole look, especially the skirt, its gorgeous!ReplyDelete
Thank you so much for commenting! I love hearing from each and every one of you. I try my best to comment back or comment on your blogs as well, if you don't see a comment don't worry! I check out everyone's blog who leaves love on mine :)


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She ended her relationship with Jordan Davies before entering the Big Brother house.
And Megan McKenna, 23, has hit back at her ex after he called her 'a nasty piece of work' in an interview with The Sun.
A spokesman for the Ex on The Beach star said: 'Megan ended the relationship for numerous reasons, not least because her ex is a consummate storyteller and was obviously more interested in the idea of fame than being a real man.
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Happier times: Megan McKenna, 23, has hit back at her ex Jordan Davies after he called her 'a nasty piece of work' in an interview
'His immaturity and insecurity became more and more apparent and this story simply confirms that her instincts and her decision were 100 per cent correct.'
The comments come after Jordan claimed Megan acted 'like a s**g' for the cameras during her time on the show.
He added: 'She's a nasty piece of work who totally deceived me.
Controversial: Jordan claimed Megan has acted 'like a s**g' for the cameras during her time on the show
Fighting back: A spokesperson for Megan called her ex beau's words 'a desperate publicity seeking exercise on his part.'
'Once she had her place on Celebrity Big Brother it was all about her and she dumped me on the scrapheap.'
But the spokesperson moved to pour cold water on Jordan's claims, stating: 'As Megan now cannot respond directly to what are simply malicious lies I feel I must set the record straight both for Megan's integrity and that of CBB. This is a desperate publicity seeking exercise on his part.'
She added that the model 'behaved professionally' prior to the show by adhering to Channel 5's confidentiality clause which stops participants from discussing the programme prior to the first episode being broadcast.
Reports have also circulated that CBB producers had agreed to let Megan temporarily leave the house on Monday for a glamour shoot.
However, a spokesman for Channel 5 said there was no truth in the story.
And Megan's spokesman echoed the show's stance, saying: 'I can also confirm that there is absolutely no truth in the story that Megan will be leaving the house to take part in a photoshoot.
'Any images appearing in the press are from photoshoots which took place prior to Megan entering the CBB house.'
Not true: Megan will not leave the CBB house to do a glamour shoot on Monday, contrary to reports claiming show producers had given her permission to do so


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There are Mentors Everywhere. Life has taught me this. Whenever I am desperate for help. Whenever I have no idea what to do next, a mentor appears in the nick of time to rescue me from my ignorance. Even if I don't know exactly what I need. Even when I'm embarrassed to reveal how little I know, I find Mentors Everywhere, and when it is career direction I lack, they usually come from career organizations.
I met Nancy Herkness at an NJRW (New Jersey Romance Writers) conference. She was the workshop leader, and I was being led. For many years, I had done what Nancy was doing and been one of the Mentors Everywhere myself. Now I needed mentoring, specifically with how to market my writing work. My problem wasn't too little advice. My problem was too much advice. Get with this social media platform. Grab onto that attention-seeking gimmick. Nancy cut through the mind-whirling noise.
"Do this," she said. "Don't bother with that."
I the latter needed most. A list of time sucks and energy burners that yield too little for the dollars spent and the effort invested. A busy woman's To Do's and To Don't's I could trust, because I trusted her. My sigh of relief was so profound it echoed through that hotel conference room. Nancy was proof there are Mentors Everywhere, and they don't always have to be me.
I met Jean Joachim at RWA-NYC (the New York City chapter of Romance Writers of America). She is a common-sensible, no-nonsense woman too, with a city girl edge to match. In other words, we speak the same language, which made her the perfect next addition to my personal Mentors Everywhere team. Her advice was also direct and definite. She generously shared what had worked for her as a publishing-marketing author, and what had not. Through many phone conversations, I wrote down everything Jean said. Then we celebrated over cocktails.
"Listen more than you talk," she told me, and I heard her.
Mentors Everywhere, including the Upper Westside, maybe especially there.
I met Paula Scardamalia at IWWG (International Women's Writing Guild). A rainy-day version of their bi-annual Big Apple event, another venue where I'd been the teacher in years past. On this particular Saturday, I was damp and too sloppily dressed, visibly in need of being taught, when Paula reminded me by example that there are Mentors Everywhere. She used a tarot deck as the medium for her message, but beyond the cards her own right-on wisdom was unmistakable.
"Try a different direction," she said.
As it happened, I had been trying too many directions. Writing a bit of memoir here. A few pages of literary fiction there. Paula's words arrived, accompanied by a flash of recognition. I needed to settle on a single writing road. That flash was followed by another. I should return to the romantic suspense stories and series characters I love to create.
"And know that your work matters in the world," Paula added.
The clouds of confusion parted. The very next day, I dove straight back into my Riverton Road Romantic Suspense series, and I've been swimming happily through the North Country ever since. Paula had proven, once again, that there are Mentors Everywhere.
I met Kayelle Allen at MFRW (Marketing for Romance Writers), the online forum where writers ask questions and other writers answer. Kayelle is the founder and guiding light of this many-faceted organization. I'd been lurking there for quite some time, reading all of her messages, before I mustered the nerve to ask if I might guest post on her immensely popular blog, RLF (Romance Lives Forever), and she agreed. My first visit to her blogsite nearly stopped my heart. I'd blundered deep over my head into unfamiliar territory. Everything was perfectly organized in minute detail and RTF (Rich Text Format), and I didn't even know what that was. I stumbled forward anyway. My heart hadn't stopped, but it was solidly planted in my throat, along with huge clogs of self-doubt.
"We all had to start somewhere," Kayelle told me in one of several helpful emails.
There it was again. Mentors Everywhere. They were on my laptop and my cellphone and anywhere else I was savvy enough to search them out and pay close attention to their sage advice. Four busy women, and many others also, took the time to share their experience. Now, my own experience is far more productive, satisfying and enjoyable than before they appeared.
Look around you. Check out the resources I've mentioned. Research and discover others. When you do, pay attention to what they teach you. Take notes. Follow through on their good advice. Because there are Mentors Everywhere. Alice Orr – www.aliceorrbooks.com.
Rocket through the result of Alice's mentoring. Take the thrill ride that is her latest story, A Time of Fear & Loving – Riverton Road Romantic Suspense Book 5. Available HERE. You can find all of Alice's books HERE.
What readers are saying about A Time of Fear & Loving. "Alice Orr is the queen of ramped-up stakes and page-turning suspense."
"Warning. Don't read before bed. You won't want to sleep."
"The tension in this novel was through the roof."
"A budding romance that sizzles in the background until it ignites with passion."
"I never want an Alice Orr book to end."
"The best one yet, Alice!"


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A small suburban Washington city of 27,000 has recently taken center stage in the national debate over living wages. Voters in the City of SeaTac will soon decide on Proposition 1, a ballot initiative to establish perhaps the most draconian employment standards in the nation, complete with a $15 minimum wage requirement.
Labor leaders are thrilled, and it's not hard to see why: Labor support of Prop 1 appears to be part of a growing trend to promote union organizing through local ballot initiatives.
Though small in terms of geography and population, the City of SeaTac is economically significant because it hosts Sea-Tac International Airport and surrounding travel and hospitality businesses.
Prop 1's roots go back to 2005, when Alaska Airlines replaced unionized baggage handlers with non-union contractors. Six years later, Unite Here Local 8, the hospitality workers union, spent historic amounts of money to successfully finance three city council elections.
Local unions are now marching in lockstep behind Prop 1. So far, labor unions have provided 95 percent of the campaign resources supporting the initiative — over $1.2 million, according to the state Public Disclosure Commission. While the labor-backed campaign has decried the influence of "deep-pocketed greedy big corporations," unions have outspent businesses 2-1, making Big Labor the biggest special interest in SeaTac.
Prop 1 specifically targets the airport and related transportation and hospitality businesses. The $15 minimum wage requirement is 63 percent higher than Washington's minimum wage of $9.19, already the highest among the states.
In addition, Prop 1 mandates employers provide paid sick leave, makes it harder for businesses to hire part-time workers, prohibits tip-sharing among employees, and creates extensive new record-keeping requirements for businesses.
Even though Prop 1 allows anyone to bring suit against employers for violating the law, the city would bear the considerable cost of enforcing and monitoring day-to-day compliance.
In public, the union-backed campaign argues Prop 1 will help low-income workers "make ends meet" by providing them with a "living wage." Initiative supporters contend that increased wages will act as an economic stimulus for businesses, injecting $54 million into the local economy.
Such arguments parallel claims made by supporters of a higher federal minimum wage, and they are just as invalid.
The $54 million estimate assumes the measure will produce no negative consequences and is based on the premise that raised wages equal free money. Yet proponents fail to realize that higher wages must be taken from employers. Consequently, the estimate does not account for decreased employment, higher prices, reduced economic development, and other costs associated with Prop 1's onerous regulations.
Local unions backing Prop 1 cannot even claim to support a "living wage" on principle.
A recent Freedom Foundation study examined payroll data self-reported by seven local unions to the Department of Labor last year. The study found that 26 percent of union employees earned less than a $15 an hour full-time wage (about $31,200 per year). Many were employed part-time.
If unions support $15 an hour full-time jobs on principle, why don't they pay their own employees a "living wage"? After all, they spare no expense when trying to force businesses to do so.
In a recent article about SeaTac, SEIU President Mary Kay Henry responded to these arguments using a time-tested method: ignore the real issues and blame the Koch brothers.
Unions are arguably supporting Prop 1 because they view it as an organizing tool.
Perhaps the most important provision in the initiative allows any or all of Prop 1's regulations to be waived in a union contract. In other words, non-union businesses must comply with each and every provision, while unionized employers can attempt to negotiate less-onerous regulations or waive them entirely.
Consequently, should Prop 1 become law, non-union businesses trying to stay open will face significant incentives to unionize in order to stay competitive.
Similar provisions are increasingly common among local living wage laws. Unions backed and successfully passed a similar measure in Long Beach, California, last year. Measure Nrequired non-union hotels with more than 100 rooms to pay employees a $13 minimum wage and provide paid sick leave.
Shortly after Long Beach voters passed Measure N, two large Hyatt hotels went union. Smaller hotels took a different approach, cutting back to 99 rooms and laying-off staff. While remaining workers saw their wages rise, many had their hours reduced.
With union membership at historic lows, unions are seeking new strategies to stay relevant and organize new sectors. If Long Beach and SeaTac are any indication, local living wage laws appear to be another weapon in labor's organizing arsenal.
Local communities are simply collateral damage.


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By Alison van Diggelen, host of Fresh Dialogues
Download or listen to this lively Fresh Dialogues interview
We welcome feedback at FreshDialogues.com, click on the Contact Tab
Kevin Surace is serious about tackling global warming and argues that producing energy saving building materials can go a long way to cutting down CO2 emissions and reducing energy consumption in the United States. He's CEO of Serious Materials, a Sunnyvale based maker of eco drywall, windows and other building materials; and frequent speaker * on global warming and the built environment. *His TED speech is worth checking out.
We discussed the influence of Al Gore's An Inconvenient Truth in helping create a market for green products; the pace of global warming; and whether consumers are willing to pay a premium for green. Kevin outlined how his company uses new media to get its message out and why his company is growing rapidly, despite the shrinking economy.
On how climate awareness grew in 2005
"By 2005, there was much more awareness of the climate change issue, but even clean tech wasn't a term before that. By 2005, the climate issue had come to the front of minds: on scientists' minds, at the United Nations, in the world."
On the relative importance of buildings vs. cars in CO2 emissions
Kevin argues that residential and commercial buildings account for the largest proportion of CO2 emissions (52% of world emissions for buildings and their operations) compared to passanger cars which only make up only 9% of world CO2 emissions.
On the influence of An Inconvenient Truth
"It allowed the American public to get the story in a way they never got it before and that's when I could step back and say: there's an opportunity here to actually make a difference."
On the pace of global warming
"When you look at the raw data, everything's happening five or ten times faster than the IPCC (Intergovernmental Panel on Climate Change) said it was going to. So this is extremely scary and wakes you up."
Are consumers willing to pay a premium for green?
"I don't think they'll ever be willing to pay a premium. That's been our thinking from Day One."
The interview was recorded on June 30, 2009 at Serious Materials in Sunnyvale, California.


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1 February 2005
Video of Hercules air attack is 'bogus'
A video purportedly showing the moment a British military airplane was shot down by Iraqi insurgents is almost certainly bogus, say defence specialists who studied the footage.
The Royal Air Force C-130 Hercules crashed 40 kilometres north-west of Baghdad at 1340 GMT on Sunday, killing all 10 military personnel on board. The plane is thought to have been carrying Special Forces troops to a base in the north of the country. On Tuesday, the British Prime Minister Tony Blair expressed his "sympathy and condolences" to the families of those killed.
But the circumstances surrounding the crash remain hazy and on Monday the Arabic television station Al-Jazeera aired a video allegedly showing the aeroplane being destroyed by a missile.
The footage was supplied by an insurgent group calling itself the 1920 Revolutionary Brigade, which also claimed responsibility for bringing down the aircraft. The video shows a missile being launched by remote control followed by a mid-air explosion and images of aircraft wreckage on the ground.
Defence experts say the wreckage seen in the video shown is consistent with that of a Hercules C-130, but dismiss the rest of the video as a crude propaganda attempt.
"I think the video is bogus," says Peter Felstead, editor of Jane's Defence Weekly. "The missile footage has just been grafted onto the front. And it looks like a surface-to-surface missile to me."
Jim O'Halloran, editor of Jane's Land-Based Air Defence, agrees. He says the pointed shape of the missile and the way it launched suggests it was a surface-to-surface Multiple Launch Rocket System missile, possibly the Katyusha type used by the Israeli army. He adds that such a weapon would not be effective against an airborne target. "What they're showing did not kill a C-130," O'Halloran told New Scientist.
But some of the wreckage footage itself may also be suspect, as it is shot in daylight. The airplane crashed at 1635 local time, leaving just an hour before sunset for someone to reach the wreckage and start recording. The images could not have been captured the following morning, as British forces had arrived at the site by this time.
Even if the video is a fake, it still remains possible that the Hercules was brought down by a heat-seeking ground-to-air missile. Military officials say the debris from the plane was strewn over a large area, consistent with an explosion at approximately 4000 metres – the altitude at which the Hercules was known to be flying.
But several factors suggest the plane may not have encountered a missile at all. For one, Iraqi insurgents are not known to have access to such weapons. Secondly, the aircraft ought to have had numerous built-in countermeasures to combat heat-seeking projectiles, including infrared and radar detectors, decoy flares and a sophisticated infrared jamming system.
Felstead notes that heat-seeking missiles usually strike an aircraft's engine and destroy its wing. This often causes the plane to flip over and crash – leaving a relatively small area of debris on the ground.
He suggests that the plane may have suffered an onboard explosion, perhaps caused by a bomb or a fuel tank accident. "This seems more likely than something hitting it in the air," he told New Scientist.
However, Andrew Doyle, news editor at the aviation industry magazine Flight International, sounds a note of caution: "We're just not seeing enough evidence to say what happened at the moment."
More on these topics:


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Lead IRC Fraud Plaintiffs Ask For $90M Settlement OK
The General Retirement System of the City of Detroit and the Massachusetts Laborers' Pension Fund filed their unopposed motion for preliminary approval in the U.S. District Court for the Central District of California on Tuesday.
"This is an outstanding settlement that was driven...
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Evaluate the definite integral of the function f(x) if f(x)+f(-x)=1 and x=-a to x=a.
- print Print
- list Cite
Int f(-x) dx from x= -a x = a
Put y = -x. Then dx = -dy.
So {Int f(x) dx from x= -a to x= a}= {Intf(y)(-dy) from y = a to y = -a.} = - {Int f(y)dy from y = a to y = -a.} = Int f(x) dx from x= -a to x= a.
Therefore {Int f(x) dx from -a to a} = { Int f(-x)dx from x= -a to a} = I.
Now consider Int Int{(x)+f(-x)}dx = {Int 1 dx from x= -a to a}
2I = (a- (-a)) = 2a.
So. I = a.
Therefore Integral f(x) dx = a.
Given the data from enunciation, we conclude that the domain of definition of the function is the closed interval [-a ; a].
If f is a continuous function over the closed interval, then the identity is true:
Int f(x)dx (x=-a -> x=a) = Int [f(x) + f(-x)]dx, (x=0 -> x=a)
We'll apply this sentence to the given function:
Int f(x)dx (x=-a -> x=a) = Int [f(x) + f(-x)]dx
But, from enunciation, [f(x) + f(-x)] = 1
Int [f(x) + f(-x)]dx = Int 1*dx = x (from x = 0 to x = a)
We'll apply Leibniz-Newton:
Int 1*dx = F(a) - F(0)
Int 1*dx = a - 0
Int 1*dx = a
Int f(x)dx (x=-a -> x=a) = a


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Adventures Unlimited Outdoor Center specializes in group retreats. Groups staying in Forest Glen or Nature's Glen are required to add one (1) activity (such a river trip or challenge course) and two (2) meals - OR - or two (2) activities and one (1) meal for each night stayed. Adventures Unlimited will be happy to work with you to help design a retreat to fit your specifications. Group miniminums do apply on some items.
For more information, please contact Jo Dee Cattrell, Group & Events Manager, 850-889-2180 or firstname.lastname@example.com