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Today's Mortgage Terms starting with F
Federal Home Loan Mortgage Corporation (FHLMC or Freddie Mac):A semi government agency that acquires conventional loans that are underwritten to its specific guidelines. These guidelines are an industry standard for residential conventional lending.
Federal Housing Administration (FHA):A federal agency within the Department of Housing and Urban Development (HUD), which insures residential mortgage loans made by private lenders and sets standards for underwriting mortgage loans.
Federal National Mortgage Association (FNMA or Fannie Mae):This agency purchases loans that are underwritten to its specific guidelines. These guidelines are an industry standard for residential conventional lending.
FHA Loans:Fixed or adjustable-rate loans that are insured by the U.S. Department of Housing and Urban Development. The purpose of FHA loans is to make housing more affordable, especially for first-time homebuyers.
First Mortgage:A mortgage which is in first lien, taking priority over all other liens. In case of a foreclosure, the first mortgage will be repaid before any other mortgages.
Fixed Rate Loan:Fixed-rate loans have interest rates and payments that are fixed through out the term of the loan.
Foreclosure:A legal process in which a mortgaged property may be liquidated to pay off a mortgage loan that is in default.
View all Terms
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I woke up at the crack of dawn this morning with my stomach in knots as I scrambled to check my twitter feed and email.
It was five a.m. but I was wide awake; physically in Amsterdam but my heart in Russia where I knew that five of my fellow activists were launching into action at a giant oil rig in the Russian Arctic — a rig that I'm all too familiar with.
As I scoured through the first images and read the tweets from the Arctic Sunrise, it all came flooding back — the crisp, salty morning air on my face as the inflatable zipped along towards Gazprom's giant rig; the roughness of the rope against my hands as I hung on for dear life; the mean red face of the massive Prirazlomnaya towering over us, the David vs. Goliath metaphor more real than ever before; next to me, Sini's eyes peering out through the gap between her helmet and scarf, calm and clear and beaming positivity at me.
Sini is an Greenpeace activist from Finland, and her commitment to the cause runs deep. She is from the Arctic. That was not her first rodeo, and I was grateful for her calm; I found my strength in hers. No surprise then that she was the one to go back today, for round two.
Last August, when Sini and our fellow activists were there in the Russian Arctic, we had nearly two million people fighting alongside us for a sanctuary in the unclaimed area around the North Pole, and a ban on oil drilling and industrial fishing in the wider Arctic. That was just two months after our campaign launched. As I write this, one year later, our movement is just under four million strong.
That's four million people from every corner of this planet who have come together to say enough; four million people who know that what is at stake here is far too valuable to risk. Who know that an oil spill in this fragile region is all but inevitable.
Having spent 15 hours camped out on the side of that monstrosity a year ago, I can assure you that the Prirazlomnaya is hardly an example of modern engineering. This ancient rig was cobbled together from rusting pieces of decommissioned North Sea rigs, which then sat rusting in Russian shipyards for years before being dragged, construction uncompleted, to where it now sits. Even now it remains in disrepair, as shown in video footage shot by rig workers and uncovered by Greenpeace last week.
Yet in spite of this mounting evidence and its legacy of disasters, Gazprom, and this very rig, is soon set to produce the first offshore Arctic oil in the world. Last year the company boasted the same thing, but shortly after our protest, they announced a delay.
That delay — and the "pauses" and cancellations by countless other companies with similar Arctic ambitions — are proof that protest works. Proof that our movement is powerful, that Arctic oil is not inevitable and that these companies can be stopped.
Right now Sini is on the Russian Coast Guard ship again. She's a long way from home. She's probably cold and wet and tired. But she knows, just as I did when I was on that rig, that she is not alone. Everywhere I look, from Istanbul to Indiana, the tradition of civil disobedience is being reignited. Something is happening. There is a shift in consciousness, the one we hoped would come, where ordinary people everywhere are realising our collective power and acting on it. We're all part of it.
We can't all scale a rig. We can't all chain ourselves in front of a coal train or lead a revolution.
But we can all do something.
Wherever you are, you can help Sini and the team and be part of this action by joining the movement, by sharing the photos, or by tweeting your support.
Every act of peaceful rebellion — no matter how seemingly insignificant — adds up.
Join us. Join Sini, Marco, Camila, Phillip, Tomasz and Anthony. Join me and millions of others around the world. Together we will stop Arctic oil drilling in its tracks.
The Greenpeace International ship, Arctic Sunrise approaches the 'Prirazlomnaya' oil rig. 09/18/2013
© Denis Sinyakov / Greenpeace
Born in 1965 and hailing from South Africa, Kumi Naidoo was Greenpeace's International Executive Director from November 2009 until December 2015.
(Unregistered) Dr. Dennis
Kumi, change the direction of Greenpeace by concentrating on fundamental climate change research. Tell Oksana Boyko that you are willing to work with ...
Kumi, change the direction of Greenpeace by concentrating on fundamental climate change research. Tell Oksana Boyko that you are willing to work with Scripps Institute Of Oceanography and a similar Russian scientific institute. I would dearly like to have your e-mail address so I can explain precisely how that research would go. As you see from mine I live in your country of birth. I was investigated by BOSS in 1982 after the Olympic Games in 1980
18 October, 2013 at 10:49
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(Unregistered) germapi
I was investigated by BOSS in 1982 after the Olympic Games in 1980...............
what does this mean ???
Hugo BOSS, investi...
I was investigated by BOSS in 1982 after the Olympic Games in 1980...............
what does this mean ???
Hugo BOSS, investigated you ????
1980 Olympic Games were boykotted by western countries due to russian engagement in Afghanistan............. maybe the US and their alleys in respect of their actions that time should stay away from OL 2014 in Sochi due to their invasion of Afghanistan ????? !!!!
Sports men do a lot of training, preperations to attend the high light of their sporting life................... and then some political IDIOTS take decision of NOT participating in peacefull games !!! I am proud we today have the criteria of being brain dead................
But I think Sochi might be a very good place for actions of Greenpiss!!! Try to unroll your stupid banners during opening ceremony in Sochi !!! I bet 1 : 1.000.000 you do not dare !!!! Can I get an account nr. where to put my part of the bet ???
21 October, 2013 at 14:43
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(Unregistered) bruceybuoy
Free the "Bali Nine" first - they were first to use a catchy name like this - they're doing 20+ years with two waiting for the firing sq...
Free the "Bali Nine" first - they were first to use a catchy name like this - they're doing 20+ years with two waiting for the firing squad for drugs.
By Greenpeace hogging theirs intellectual property their chances of early release got a whole lot worse.
RESIGN NAIDOO!!!!!!!! These 30 gullible zealots are your responsibility. Think of another media-catchy name for these people who you owe their freedom.
27 October, 2013 at 14:21
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He could send an application to Red Bull.......... they like these idiots who need adrenalin kick like junkies...........
Greenfleece is just ONE BIG PARODY !!! Now they have unrolled a yellow banner on top of Mount Everest !!! This truely will SAVE the world !!!!
I will see how many of these Greenpiss people will be in Court in Murmansk next month to give support to their "heroes"...........
Maybe/hopefully russian authorities also will ask some questions to this so called "Director" about his participation last year !???
If these "heroes" only get 7 years stay in their beloved arctic this guy at least should get 20 years being responsible for this nonsense. Today Sebastian Vettel became World Champion for 4th time ............using bensin from Shell........... Why there was no Greenpiss protest there ???
They are just common media junkies......nothing more !!!!
I really ask myself which idiots give money to such association ??? Can they really afford to have 3 ships, helicopters, payment for this braindead idiot, travels etc. p.p. only based on these payments ??? How naive people can be ???
27 October, 2013 at 16:11
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I just was looking at some german medias......... Amazing to read about the stupidity of the "Director" of Greenpiss........... He was ask...
I just was looking at some german medias......... Amazing to read about the stupidity of the "Director" of Greenpiss........... He was asking for a meeting with Putin !!! How naive can these people really be ??? I think due to my engagement in a certain area in Russia I will meet Putin several years before he ever can dream about it !!! Maybe when Putin has resigned he can visit him in Home of Old People. :-)
I doubt this bravious "warrior" dares to attend the Court Session in Murmansk next month. But I will see because circus like this you cannot get every day free of charge!!!
But we soon will see if he has asked for tourist visa to Russia........ I think he cannot get a Business visa.........what business he has ?? Eco-terrorism ??? Anyway he needs an invitation for his "business"...............
This GP really is so ridiciolous I do not understand how people can give only just a small amount of money to these idiots...........
They ALWAYS are right.............all others are wrong !!!! Greenfleece knows how to save the world..............
27 October, 2013 at 16:55
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subset: commoncrawl


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AutoGen is a tool designed for generating program files that contain repetitive text with varied substitutions. Its goal is to simplify the maintenance of programs that contain large amounts of repetitious text. This is especially valuable if there are several blocks of such text that must be kept synchronized. Output is specified with a Scheme-enhanced output template. Input, if required by your template, may come from AutoGen definitions, CGI data, or XML files.
Beast is a powerful music composition and modular synthesis application. It offers multiple input methods like multitrack, piano roll, and pattern editing and supports skins. On the technical side, it has a wide range of abilities like sequencing, unlimited undo/redo history, real-time synthesis with multiprocessor support, full duplex 32-bit audio rendering, precise timing down to sample granularity, on demand loading of partial wave files, on the fly decoding of various sample formats, aliasing free oscillators, and full Scheme scripting support.
Bigloo is an implementation of the Scheme programming language. It relies on an optimizing compiler from Scheme to C. Bigloo enables connections between Scheme code and C code. It proposes many extensions to Scheme such as a regular parser compiler, an lalr parser compiler, pattern matching, an object layer, etc.
bigloo-lib is a set of libraries for Bigloo, the Scheme programming language compiler. Most of the libraries are interfaces for various C libraries, such as the C runtime library, Gtk++, the LDAP client API, or the XML parser API. Other libraries are written entirely in pure Scheme, such as the HTTP library and the NODE library. The libraries are intended to make it easier to write programs in Bigloo scheme. bigloo-lib also provides a suitable framework to configure, compile, install, and deploy Bigloo libraries.
GLAME (GNU/Linux Audio Mechanics) is meant to be the GIMP of audio processing. It is designed to be a powerful, fast, stable, and easily extensible sound editor for Linux and compatible systems. It has full support for non-destructive editing including undo/redo and applying LADSPA effects. Its supported platforms are Linux, BSD, IRIX, and OS X. It uses guile and libxml, and the GNOME libs available is highly recommended. MP3 and Ogg files can be processed if libmad and libvorbisfile are installed.
GNU TeXmacs is a free wysiwyw (what you see is what you want) editing platform with special features for scientists. The software aims to provide a unified and user friendly framework for editing structured documents with different types of content: text, mathematics, graphics, interactive content. TeXmacs can also be used as an interface to many external systems for computer algebra, numerical analysis, and statistics. New presentation styles can be written by the user and new features can be added to the editor using Scheme.
GnuCash allows you to track bank accounts, stocks, income, and expenses. As quick and intuitive to use as a checkbook register, it is based on professional accounting principles to ensure balanced books and accurate reports. It is backed by an active development community and is blossoming into a full-fledged accounting system.
An interface library to access tags for identifying languages.
Grammar-based software designed to utilize the logic contained within grammar.


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Flying Blue: four levels, dozens of benefits
Levels & benefits
How is your membership level determined?
Your level is determined by the number of Level Miles you have earned or the number of qualifying flights you have made:
You can earn Level Miles on most flights taken with AIR FRANCE, KLM or any other SkyTeam airline. In general, every mile you fly earns you one Flying Blue Mile.
A qualifying flight is a one-way flight made with a SkyTeam airline, which enables you to earn Level Miles.
Required thresholds per membership level, per calendar year
|Membership level
|Required number of
Level Miles
|Required number of qualifying flights
|entry level
|entry level
|25,000 Level Miles
(30,000 in France and Monaco)
|15 qualifying flights
(Elite Plus)
|40,000 Level Miles
(60,000 in France and Monaco)
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(Elite Plus)
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(90,000 in France and Monaco)
|60 qualifying flights
Compare the benefits of all membership levels>
Discover how many Miles you earn on a specific flight
How to upgrade your membership level
Every level has a threshold: a certain number of Level Miles or qualifying flights a member needs to reach in order to upgrade to the next level. The table above shows the thresholds for each level. As soon as you reach the next level`s threshold of Level Miles or qualifying flights, you will be upgraded and get to enjoy the new benefits straightaway!
How to maintain your membership level
On 31 December of each year, your Level Miles and qualifying flights balance from the previous 12 months is checked. This is called the Annual Level Check. To keep your membership level, you need to have reached either of these two thresholds:
- minimum number of Level Miles specified for one calendar year, or
- required number of qualifying flights specified for one calendar year
If you have not reached either threshold, your membership level will be downgraded.
Good to knowCarry over Level Miles
On 31 December of each year, all Flying Blue Elite members, who have earned Level Miles above the Miles threshold required to maintain their current membership level, will carry over the surplus of Level Miles to the next year. This also applies when a higher level is reached. Members who have not maintained their membership level will not carry over their Level Miles.
View your Miles balance


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Finally, a genuinely chew proof dog bed! This unique design by Kuranda protects the fabric from chewing by cleverly tucking it nside the frame so dogs can't get a grip. Elevated & comfortable. Perfect for outdoor beds or kennel use. Several fabric choices. Cordura is strong and durable. Vinyl weave allows water to pass through. Commercial grade vinyl is the toughest fabric of all.
Note: Size includes frame, fabric size is 3-4" less


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Money Milton MA
Any business owner wants to know how to keep more money coming into their company and less going out. Read on for some tips on how to do just that through investors, business accounts, taxes and much more.
Setting up Simple Financial Management Milton MA
Sometimes you don't need a lot of money to start a business. What you need instead is good financial management. If you plan carefully, control spending, and monitor the money that comes into your business and the money that goes out, you can prevent a monetary emergency later.
Tax Services Milton MA
There are plenty of business tax savings in the system without resorting to illegal strategies that can come back to bite you. Stay away from tax evasion schemes. Here are a few legitimate strategies you can implement now.
The Six Rules of Business Borrowing Milton MA
Rules" to business borrowing! An interesting concept. True — the "rules" presented below may be considered as act-on "options". But the consequences of not being aware of these options, achieving a successful business loan program, can be costly to your business, your fortune and your peace of mind.
Tighten-Up on Your Home Business Accounts Milton MA
With the current economic crisis, are your customers stretching out their payments or disappearing without paying off their debt to you? If so, it's time to review the basics and art of collecting accounts receivable without damaging customer relations. First of all, remember the cardinal rule, "It's your money and you needn't be bashful about seeking prompt payment for your goods and services."
Zero Based Budgeting for Your Start-Up Business Milton MA
What is zero-based budgeting? Zero-based budgeting is the budgeting process where every single item has to re-justify itself in order to get approved. It's a no-nonsense approach to cutting costs, improving cash flow, and generating more profits for your home-based business.


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Home » CO » Englewood CO » Jewelers
Jewelers Englewood CO
Types of Metals Englewood CO
Welcome to the Construction Magnet Local Pages. Here you can find local information about Types of Metals in Englewood, CO. We have compiled a list of businesses and services around Englewood, including Jewelers that should help you with your search. Should you wish to find help online, the ads on this page have also been targeted to Sheet Metal & Duct Work in order to better help you find what you are looking for. We hope this page helps satisfy your local needs.


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- City, State
- ZIP Code
- Chicago, IL
- 60610
NEW HAVEN PINES IS AN ASSISTED LIVING HOME IN A BEAUTIFUL COUNTRY SETTING CREATING A FAMILY ATMOSPHERE IN A SAFE AND SECURE... read more
Fresh from the garden vegetables (in... read more
The facilities offer care that fosters residents' individual skills and interests in an environment that helps to diminish confusion and agitation. Specialty services are provided in a secure environment, such as activity programs designed to include reality orientation classes and specially trained professional staff skilled in handling the behavior associated with memory impairments. Many facilities that specializein Alzheimer's or related dementia disorders have building design features that assist with the problems associated with this disease: color-coded hallways, visual cues, and secure wandering paths for additional security... Read more
What is the percentage of the U.S. population of adult children in their 40s and 50s, are taking care as well as financially supporting their children and their adult parents?
Nearly half (47%) of adults in their 40s and 50s have a parent age 65 or older and are either raising a young child or financially supporting a grown child (age 18 or older). And about one-in-seven middle-aged adults (15%) is providing financial support to both an aging parent and a child.
Source: Pew Center Research – The Sandwich Generation – Sample Size group n=844, n=1,185 (2013)


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Why mongolia
You may ask from yourself that why you have to visit Mongolia. Mongolia, it is the motherland of great Genghis Khan who created the mighty Mongol Empire. How vast and historical land where located in plateau of Central Asia. However it is situated in landlocked and between great countries Russia and China, Mongolia still exists for many hundred years and age to ages. Of course it is relevant to their heroic and patriotic ancestors who lived their land. Mongolia's considerable size includes a fabulous array of pristine landscapes, and nomadic people whose lives in many ways are unchanged until now. Here the nomadic herders still depend on nature for survival, priceless treasuries like wide-open space, untouched wilderness, and fresh air and water are cherished dearly by the hearty Mongols. Mongolian people have helpful, friendly and wide heart as like their vast valleys. In other words Mongolia is one of the most unique countries in the World. The following lists are showing you that 10 reasons why you need to travel in Mongolia.
1. The Gobi Desert – dinosaur native land, the second largest country where dinosaur remains has been
founded after North America
2. Authentic Nomadic Culture & Unrivaled Hospitality
3. Genghis Khan and the Largest Empire in World History
4. Naadam - The Greatest Annual Sporting Event in the World
5. One of the safest destination in the world
6. Unspoiled Nature and Abundant Wildlife
7. Mt. Khuiten and Five Holy Peaks of Altai Mountain Range
8. Famous Trans-Siberian stopover country
9. Included in the "Travel Wish List - 2013" according to New York Times and CNN
10. Adventure Travel at its Best
Mongolia Tours
Mid – ranged Mongolia tours from 4x4 discovery jeep tours, adventure tours, cultural & community based tours, nature & wildlife tours are offered here…Read more
China Tours
We combine tours in Mongolia with some of destinations of China such as Beijing, Tibet, Xian, Chengdu and Shanghai.Read more
Siberia Tours
Here are the tours to Lake Baikal, Irkutsk, Olkon Island, Listviyanka of eastern Siberia and connected with Mongolian tours.Read more
Mongolia Travel Blog
Mongolia travel blog for those thinking to visit Mongolia. Travel tips, fun contests and Mongolia tourism news and travellers can post a blog, too.


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Every year, a few teams do and say things that make us scratch our heads and wonder who exactly makes decisions for those organizations. This year is no different, and as usual, we have a great list of dysfunctional teams trying to win games in the NFL. New York Giants The Giants are a laughable team. Basically, a once great team has aged into oblivion, and now the Giants appear to be a shadow of their former selves. This week, safety Antrel Rolle gave us our best nugget of denial by a Giants player, saying via NFL.com, "I believe we can go 12-0 from this point on. And I truly believe that and I'm not (just) saying that. And people may look at me like I'm crazy, but you know, I couldn't really give a damn at this point." Jacksonville Jaguars At 0-4, it's obvious the Jaguars are a bad football team, but upon inspecting their offensive production, it becomes obvious just how terrible this team is. The Jaguars have scored just 31 points in four games, and they've given up 129 points in that same span. The kicker is the Jaguars' attitude. In last weekend's game against the Colts, the Jaguars were described as the most positive 0-3 team the broadcaster had ever seen. From the sound of it, the Jags are lacking any sense of urgency, and that doesn't bode well for this team. Tampa Bay Buccaneers The Giants and the Jaguars are terrible teams that appear to be in denial of their own fate. The Buccaneers, however, are this year's circus, taking the place of the New York Jets on this list. The Buccaneers' dysfunction stems from their quarterback drama, which in turn is centered around Josh Freeman. Most recently, it was "leaked" that the Bucs' former starting quarterback is in stage one of the NFL's substance-abuse policy. That "leak" is rumored to have come from head coach Greg Schiano, making the Bucs the pettiest team in the NFL, and earning them the title of "Most Dysfunctional NFL Team of 2013." [follow]
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BitlBee allows users to talk to people on the major instant messaging and microblogging networks (including MSN, Google Talk, AIM, and Twitter) from within any IRC client by emulating an IRC server. Virtual channels are created with all of the user's contacts in them, who can be talked to in the channel or in a query. Also, one can participate in group chats and chat rooms like they were normal IRC channels.
silencio is a script that generates a one page Web page. Configuration is through variables in the script. It supports the display of a Twitter RSS feed within a three column design. Future versions will allow easy toggling of the number of content columns as well as support for other social network statuses.
TweetBox.fx is a Twitter desktop client. It lets users send updates, replies, and direct messages. Users can retrieve their friend's timeline, their own timeline, direct messages, replies, and their favorites. TweetBox also allows the user to view multiple timelines at the same time. TweetBox has a very user friendly entry box for typing updates. It shows you how many characters are left and provides a very easy-to-use URL-shrinking function. TweetBox can also detect links to pictures on Mobypicture and TwitPic and respond by showing, instead of the original URL, a link labeled "picture" that pops up a thumbnail when the mouse hovers over it.
LemonLDAP::NG is a modular Web SSO based on Apache::Session modules. It simplifies the building of a protected area with a few changes in the application. It manages both authentication and authorization and provides headers for accounting, so you can have full AAA protection for your Web space. LemonLDAP::NG is a complete rewrite of LemonLDAP. All components needed to use it and to administer it are included in the tarball. However, all modules developed for LemonLDAP may not work with LemonLDAP::NG.
Lifesaver is a GNOME Screensaver that displays recent posts about Ubuntu on Twitter, Identi.ca, and FriendFeed. Since it performs automated searches of various unfiltered Internet resources, you may encounter language and opinions that are offensive to those of a sensitive disposition, or inappropriate in a workplace environment.
fnf is a script that provides a list of a Twitter user's friends and followers. If you provide a username (and optional proxy), fnf will generate two files: USERNAME.followers and USERNAME.friends, consisting of a list of Twitter screen names and real names separated by " :: ". This data is easily used in scripts or imported to spreadsheets.


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Pearl Jewelry from Buyz.com
The color of pearls vary with the mollusk and its environment and could range from black, creamy, gray, blue, yellow, lavender, green, mauve and of course, white. The value of the pearls in jewelry is determined by a combination of the luster, color, size, lack of surface flaw and symmetry that are appropriate for the type of pearl under consideration.
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Around the Clock Die-cut Invitations
|Home › Wedding › Wedding Invitations › Bridal Shower Invitations › View Product
|Product Name:
|Around the Clock Die-cut Invitations
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|Paper Weight:
| 80 lb. Cover
About Paper Weight
|As Low As $2.84 ea.
|Production Time
7-9 Business Days — Pending customer's proof approval. An email proof will arrive within approximately 1-3 business days
Delivery time additional
Check estimated arrival date:
10% Off
Order by 3/31/2018
at 11:59 p.m. CST.
Sale price reflects discount.
May not be combined with other offers.
This item qualifies for
Free Ground Shipping
|Product Description:
These invitations feature a pink edged stop watch die-cut cards attached to printed invitations on white cards secured with silver satin ribbon. Invitations, envelopes, diecuts and pre-cut ribbon are sold in a set. White printed invitation measures 3.5" x 5.5". Stop watch die cut measures approximately 5.75" in diameter. Your choice of typestyles and ink color. Positioning only as shown. Printed return address in flat black ink on envelopes is available.
This item requires a proof which will be emailed to you within approximately 1-3 business days. Once the proof is approved, production time will begin.
This item comes unassembled. You will receive printed invitations on white cards, printed stop watch die-cut cards and pre-cut silver satin ribbon. The invitations and cards have a drilled hole. Simply thread ribbon through the hole and tie to secure the two pieces together. If you prefer, assembly by the factory is available.
For an extra special touch, glitter may be added to this invitation. If selected, the glitter will be applied to watch stem and the center dial on each card.
This product includes a free e-mail proof.Within 1-2 business days after placing your order, you will receive an email proof for approval prior to printing.


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Grimshaw has completed a lengthy £1 billion redevelopment of London Bridge station, including a new 9,200m2 concourse. Jon Astbury talks to Grimshaw's Stuart Grahn about the role of signage and wayfinding Photography Network Rail and Rick Roxburgh
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Employees of the AJ100 practices have voted overwhelmingly to recognise an architect who has helped pioneer the position of women in architecture – and whose spirit of optimism shines through her work, says Ruth Slavid. Portraits by Ben Blossom
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The AJ homes issue features studies of two Bristol schemes on former garage sites by Emmett Russell Architects; New Mildmay in east London by Feilden Clegg Bradley and Matthew Lloyd Architects; and Weston Street mansion block in Bermondsey by AHMM. We also look at the growing popularity of co-housing schemes, while Owen Hatherley despairs at the redevelopment of Battersea Power Station ...
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From Radiant City to Mega City One, the Architects' Journal presents a selection of the greatest illustrated urban spaces
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Home to many of Missouri's spring-fed streams and crystal-clear waters, Missouri truly is a haven for nature lovers. The extreme southeastern corner, known as the "Bootheel" because of its shape, is rich in Missouri history and agriculture. The Ozark National Scenic Riverways are home to some of the most beautiful countryside, trails and streams in the country. There are so many things to do in Southeast Missouri, so, whether your family is hiking, exploring caves or floating down a winding stream, you'll never want to leave the region. The next time you're in Southeast Missouri, visit Cape Girardeau, Eminence, Poplar Bluff, Rolla and West Plains.
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Pentax K10D
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10.2-megapixel APS-C sized CCD
Pentax-developed Shake Reduction (SR) system
Dust Removal system to help keep the CCD surface dust-free
ISO from 100 to 1,600
11-point wide-frame AF (SAFOX VIII) with nine cross-type sensors positioned in the middle
Continuous shooting at approximately 3 images per second
Large 2.5 inch LCD monitor
Compatible with conventional SD memory cards and newly introduced SDHC memory cards
Dust-proof, weather-resistant construction with high-rigidity stainless-steel chassis
(From company literature)
Pentax Imaging Company announced today the Pentax K10D digital SLR camera with 10.2 effective megapixels and a host of advanced technologies including a Pentax-developed Shake Reduction (SR) system and a weather resistant body.
High-quality image reproduction
The K10D features a large, high-performance 23.5mm x 15.7mm CCD with 10.2 effective megapixels as its image sensor, assuring the reproduction of true-to-life, rich-gradation images.
Pentax-original Shake Reduction mechanism for blur-free images
The K10D is equipped with the exclusive, Pentax-developed Shake Reduction (SR) system, which effectively reduces camera shake for sharp, blur-free images even under demanding shooting conditions, such as when using a telephoto lens, shooting in the dark or at night without supplementary flash illumination, or using extended exposures for sunset scenes. This innovative mechanism shifts the position of the CCD image sensor vertically and horizontally at high speed using magnetic force, while adjusting the shifting speed in proportion to the amount of camera shake detected by built-in sensors. It offers an outstanding compensation effect equivalent to 2.5 to 4 shutter-speed steps. As a result, it does not require special anti-shake lenses, and can be used with almost all existing Pentax interchangeable lenses.*
* Lenses compatible with this mechanism are the Pentax K-, KA-, KAF- and KAF2-mount lenses; screw-mount lenses (with an adapter); and 645- are 67-system lenses (with an adapter). Some functions may not be applicable with certain lenses.
Newly developed A/D converter for truthful image data conversion
The K10D incorporates a high-performance A/D converter, which faithfully converts the analog data collected by the CCD image sensor into digital data. With the highest resolving power (22 bits, or 4.2 million gradations) among all existing digital cameras, it offers a digital-conversion capacity 1,024 times greater than conventional 12-bit, 4,096-gradation A/D converters.
Newly designed PRIME imaging engine
The K10D incorporates the new PRIME (Pentax Real Image Engine) as its imaging engine. Designed exclusively for Pentax digital SLR cameras, this new imaging engine produces well-balanced, true-to-life images through efficient control of CCD signals, saturation, brightness, white balance, sharpness and contrast. Its new memory (DDR2: Double Data Rate 2) also serves to enhance speedy image processing and high-speed data transfer.
Dust Removal system to help keep the CCD surface dust-free
The K10D features the new Dust Removal (DR) system to prevent dust from sticking to the surface of the CCD image sensor (or low-pass filter). Applied to the CCD surface through a vapor deposition process of a fluorine compound, the Pentax-original Special Protect (SP) coating effectively prevents dust and stains from adhering to the surface. In the next step, dust that still remains on the surface will be shaken off when the SR system shifts the CCD at high speed. The dust that is shaken off the CCD will fall onto an adhesive sheet positioned at the bottom of the SR unit, eliminating any possibility of its returning to the CCD surface.
Dust-proof, weather-resistant construction
The K10D boasts a reliable dust-proof, weather-resistant construction, with special seals applied to 72 different parts of the camera body, including the shutter release button and switches/levers/dials. This dependable body makes it possible to use the K10D in the rain or at dusty locations without worries.
Bright, clear viewfinder
Featuring a glass pentaprism, the K10D's viewfinder offers a 96-percent field of view and a 0.95-times magnification for easy viewing of the subject and effortless confirmation of focus and composition. Coupled with the acclaimed Natural-Bright-Matte II focusing screen, it delivers a large, bright subject image.
Auto sensitivity control up to ISO 1600
The K10D's auto sensitivity control function automatically sets the optimum sensitivity up to ISO 1600, based on such data as the subject's brightness level and the lens' focal length. Since this function allows the use of higher shutter speeds in poor lighting situations (such as indoor sports events and night scenes), it helps the photographer to effectively reduce camera shake and prevent blurred images. For specialized applications, the sensitivity can be set manually from ISO 100 to ISO 1600.
Continuous shooting at approximately 3 images per second
To trace the movement of an active subject or capture a sequence of the subject's expressions, the K10D offers a continuous shooting mode that allows the photographer to capture a series of images at a maximum speed of approximately 3 images per second. In the JPEG recording format, the user is allowed to take as many images in succession as wished, until the capacity of an SD memory card runs out, or in RAW mode up to 12 images at 3.0 fps.
Reliable shutter unit
The K10D's shutter unit is designed to withstand nearly 100,000 releases, while assuring high-precision operation over the entire shutter-speed range — up to a top speed of 1/4000 second. It also features a flash synchronization speed of 1/180 second for more versatile flash photography.
11-point wide-frame AF
The K10D's sophisticated SAFOX VIII autofocus system features 11 sensor points (with nine cross-type sensors positioned in the middle) to automatically focus on the subject with utmost precision, even when it is positioned off center. The in-focus sensor point is automatically superimposed in red in the viewfinder for at-a-glance confirmation.
Extra-large, wide-view LCD monitor
The K10D incorporates an extra-large 2.5 inch color LCD monitor on its back panel. Its wide-view design allows the photographer to check the monitor image from 140 degrees both vertically and horizontally, ensuring effortless image viewing even from a diagonal position. With approximately 210,000 pixels, it also offers digital zooming of playback images up to 20 times for easy confirmation of the image's focusing status and details.
Powerful rechargeable batteries for extended shooting
The K10D features new, large-capacity lithium-ion rechargeable batteries, which can capture approximately 500 images* when fully recharged.
* Under testing conditions prescribed by the CIPA standards (flash illumination used in 50% of images).
Compatibility with supersonic motor-driven lenses
The K10D is designed to be compatible with supersonic motor-driven autofocus lenses (currently under development), which are expected to provide smoother, quieter autofocus operation than conventional lenses.
The Pentax K10D will go on sale this November, priced at $899.95 body-only, or $999.95 with the inclusion of a Pentax DA 18-55mm zoom lens as a kit.
See our full review at imaging-resource.com.
Or post your own review below!
Post a Review of Your Own
Registered: February 2009
Posts: 2
Pentax K10D review by theflyingmoose
Review Date:
Would you recommend the product?
| Total Spent:
| Rating:
excellent construction and handling, useful modes, value for money
noise at high ISO, some JPEG in-camera processing issues, some unpredicable metering
Pentax only have a small family of bodies these days, so as an upgrade, I didn't have much choice, not that I'm particularly complaining about that.
The construction of this camera is excellent, though with a vertical/battery grip, its pretty heavy. The way it handles is even more impressive: It has a very useful top plate LCD, which lights up green in the dark; and even more useful, it has two adjustment wheels (which are programmable, which even a brand new EOS 5DMk2 can't match, having only one). It lends itself to instinctive photography, with thumb for aperture and forefinger for shutter speed (or whatever combination of settings suit you). On the other hand, it doesn't placate you by offering "scene modes", it has professional settings only, including some suprisingly useful hybrid modes that make use of shifting ISO (TAv and so forth).
It produces excellent results at low ISO, but perhaps doesn't compare well with "equivalent" Canon and Nikon products at higher ISOs, but this is hardly a huge complaint, unless you do a lot of shooting indoors in low light (in which case, you should probably have a flash gun).
Whilst it is true that default JPEG rendering in camera leaves a bit to be desired, this can be altered, and this seems to be the kind of camera where you will find yourself shooting RAW (though it has a useful RAW button for changing shooting modes).
Automatic White Balancing mode is typically unpredictable (but that seems to be a problem with many cameras); but this camera has a very useful fine tuning system which allows test shots, custom balance based on test shots and straight out Kelvin values to be used.
A peculiarity of this camera, especially if you're used to using other systems (Canon at work, in my case), is that the metering system seems to lead you to under-expose by default. Once you learn shooting with the K10D, you can accommodate for this quite easily, but it might be a bit off putting to start off.
I full agree with various other reviews out there about this camera, in that you have approach it somewhat differently to other middle-of-the-range (that's all brands, not just Pentax) DSLRs - the way it has been engineered seems to promote more thoughtful and philosophical photography, as if one was using film. If you shoot a lot of portraits for example, it is excellent.
Of course, where to peg it compared to other cameras always seems to come up (given the natural rivalry that seems to occur amongst photographers talking about their kit) - it offers a lot of professional features (not least weather proofing, advanced customisation and so forth), but its priced at "mid-range", and it is made by what is now, alas not a top rung camera body manufacturer (though I defy anyone to claim Pentax's Limited lenses aren't some of the best made).
So...considering I'm writing this after a significant period of ownership, and the industry has moved on...and having tried a variety of cameras around that time and subsequently through the natural course of things... This camera, even now, represents excellent value, and can match or surpass many other cameras of a similar vintage in some ways (notably the Nikon D200 and the EOS40D). Of course you have to deal with fewer accessories and some other shortcomings, and I think a certain amount of brand snobbery. But if you're constantly frustrated (or fixated) by your equipment, you'll find it difficult to take a good picture. I don't think this camera is aimed at people who's eventual goal is to own and operate an EOS1 or a D3 - its aimed at people who are happy taking good, thoughtful pictures. Buy a good lens to go with it and it will serve you well.
Registered: November 2006
Posts: 7
Pentax K10D review by dreamlogic
Review Date:
Would you recommend the product?
| Total Spent:
None indicated
| Rating:
weatherproofing, shake reduction, compact lenses, excellent interface / modes
sensor noise, fewer lenses and accessories, autofocus sometimes unpredictable
I use full-frame Canons at work (5D/1DsMkII) and expected to purchase a Canon for personal use, but ended up buying the K10D, even though I already had a couple Canon lenses and a flash.
The main features that caused me to switch are the weatherproofing, shake reduction, and a good selection of compact primes. Although there are a few features I miss from the Canons, I am very happy with this purchase
weatherproofing - The weatherproofing on the K10D is excellent, a lot better than the Nikon D200 in the places that are easy to check (card slot and battery cover).
shake reduction - This works very well once you learn to use it. If you can keep the shake to within the tolerances of the shake reduction system, you can get quite 4 or more improvement. It's great for photos of waterfalls since you can blur the water without a tripod. Unfortunately, the shake reduction doesn't provide much benefit if there's a lot of camera motion (on a boat, shooting while moving, etc.)
lenses - For someone who shoots primes, Pentax has an excellent selection of primes. I needed a decent wide angle and some fast primes with good bokeh so I got the 21mm f/3.2, 50mm f/1.4, and 77mm f/1.8. If you prefer zooms, you might want to wait until Pentax releases its new f/2.8 zooms in 2007.
modes - The K10D has innovative modes that are really useful. With Canon, I used aperture priority mode all the time, but with Pentax, you have much better choices. It's hard to explain, but you just need to try out the different modes and see which ones you like in which situation. Look for hyperprogram, sensitivity priority, and ATv mode, green button, MTF priority if you want to find out about the modes that I've found particularly useful.
There are a few things about the Pentax that I wish were better, but suprisingly few, since I'm comparing it to $3000 and $7000 Canons with L-Lenses. The image quality and autofocus speed/reliability are the not as good as I would like, but they are decent.
sensor - It's a matter of opinion as they have sensors have different characteristics, but I prefer the noise on canon sensors. The noise on the Pentax isn' t bad though, and I find ISO 100-400 to be good. There is some strange noise patterns that appear at ISO800-1600 though when taking pictures that have a lot of black. The per-pixel detail from RAW images when you have a sharp lens on is as high as I've seen out of a camera, but there are a fair number of artifacts as well. Probably the result of a very weak antialiasing filter. It's a tradeoff that I like, but some others may not.
autofocus - Again, it's unfair to compare the autofocus of lenses using the in-body motor with much more expensive Canon lenses with USM, but I've found the Pentax focus to be less predictable. It will sometimes refuse to focus on scenes that should be easy and will sometimes focus when I think there is no way it could. The focus is also slower, since there is a re-checking step that Canon omits.
Overall, I think the Pentax is the best value in a DSLR if you can find the lenses and accessories you want.
Registered: January 2007
Posts: 5
Pentax K10D review by wavefunc
Review Date:
Would you recommend the product?
| Total Spent:
| Rating:
Weather sealing, Shake Reduction, TAv, Sv, hyper-P and -M, image quality, lens compatibility
no dedicated ISO display (except in TAv mode), default JPG settings not the best, auto white balance sometimes off.
In terms of features and value, the K10D is definitely the best of the 10mp DSLRs. Nowhere else can you get weather sealing for this price, or the unique (and very useful) exposure modes; plus, it has a very useful shake reduction system to get an extra 3 or so stops.
TAv mode is my personal favorite mode, because it allows quick and easy control of shutter, aperature, and ISO all at the same time, through the viewfinder (if ISO is too high/low, adjust the shutter and/or aperature to move the ISO up/down).
The image quality can certainly stand up to the "major" brands as well. However, the default JPG settings definitely won't do the camera justice. Switch to bright mode and turn the sharpening up a notch or two, or else shoot RAW.
One thing I wish worked a little better was the auto white balance. In daylight it's fine, but I ususally use manual indoors (when not using a flash).
Also, the evaluative metering is pretty conservative, so I usually have the EV compensation set to +1/3 or sometimes even +2/3 (or just use spot metering).
Registered: October 2005
Posts: 36
Pentax K10D review by Ross_Alford
Review Date:
Would you recommend the product?
| Total Spent:
None indicated
| Rating:
High build quality, environmental seals, shake reduction, great RAW image quality
JPEG image quality could be better
I have had an extensive tryout of one of these and it is an awesome camera. If I did not have an extensive commitment to another brand, and was starting from scratch in the DSLR world, I would find it very hard to pass this camera up.
It feels solid, and is large enough to fit well in my rather large hands, but still reasonably small and compact. The weather sealing is impressive, and really can make a differemce; I know people who have incurred large repair bills on DSLRs that are not so well sealed, from using them in challenging environments with lots humidity.
It will use just about any Pentax lens ever made, with some limitations. Once the correct custom setting enabling the use of the aperture ring is made, older K mount (and, supposedly, even screwmount, with an adapter) lenses work in manual exposure mode, and the light meter works; pressing the green button briefly stops the lens down to the set aperture and sets the shutter speed. The built in flash only fires at full power, no TTL flash with manual lenese, but the availability of full RGB histograms means it is easy to evaluate exposure and set the correct aperture, as long as you have time for a trial shot or two. This ability to use "legacy" lenses is better than any other brand except the high level Nikons (D200 and D2x) which have full open-aperture metering and TTL flash, but only with lenses going back to the 1970s. The lower-level Nikons are worse than the Pentax; lenses will fit but no metering of any sort.
There are lots of controls, and they are mostly easy to use, with commonly used functions either set by their own buttons or on easily accessible menus. There are also a very large number of custom functions for tailoring the camera to your shooting style.
The shake reduction function works well, gaining several sops of hand-holding ability, and it even works with manual focus lenses. If an older lens is mounted, the camera asks you to confirm focal length each tie it is turned on, if shake reduction is enabled. I never had any dust problems, which could be due to the dust reduction, or could be just good luck. One thing I would wish for if I owned this camera is an option to set dust-off sensor shaking to be done when the camera is turned OFF, perhaps at intervals of, say, 50 or 100 or a user-defineable number of shots. As it is, if you want automatic dust-off, the only option I found is for it to be done each time the camera is turned on, which slows the startup time and gaves a really obvious and slightly worrying clunk every time you turn the camera on.
RAW image qualiy is superb, equal to other 10 MP cameras, and very close if not equal to a 12 MP Nikon D2x. The ability to save raw images in Adobe DNG format is a plus for those of us who worry about whether converters will be available for future decoding of our shots. It would be nice, though, if there was an option to use "lossless" compression on the DNG files, which are very big, about 16 MB as opposed to about 10 MB for native mode RAW files, and about 9 MB for compressed DNGs produced by Adobe's converter. As has been noted in reviews, the quality of JPEGS produced in camera is a bit of a let down. I did not experiment extensively with settings, but image quality of jpegs was noticeably lower than that of RAW files converted using Adobe Camera Rraw. this would not bother me, as I shoot more or less entirely in raw mode anyway.
All in all, this really does seem to be closely equivalent to a Nikon D200, with some very useful extras, for a lot less money. Very well done, and well worth considering if you don't already have a lot of lenses and accessories for another system.
Registered: October 2005
Posts: 10
Pentax K10D review by mu55ster
Review Date:
Would you recommend the product?
| Total Spent:
None indicated
| Rating:
Huge files
JPEG processing (but it's a stretch for a con..)
I upgraded from a DS about 4 days ago - I am very impressed with the K10D, while it is bigger and heavier, it's image quality makes me wish i could retake hundreds of shots. RAW files are simply astonishing for a camera in this price range - JPEGS are fine (although as mentioned on DPreview - RAW is much better) for most applications but are alittle soft, I have only noticed this once so far.
I got a tamron 70-300mm lens for the DS because it was only $220 AU - with the DS i was close to throwing it out - The K10D seems to give much better results with the lens, very strange. Auto focus also blows the DS out of the water - nobody ever mentioned to me that the reason for poor autofocus on the DS was a battery issue - by putting 1.2v rechargables in rather than 1.5v alkaine you put the autofocus in the next to usless range. The K10D make me wish all those prime lenses i got in MF versions were now Autofocus.
The grip is alittle larger but i did get used to it after about 20 minutes of shooting - the green button however... I keep pressing it and turning the back wheel - forgetting that the front wheel is there - i guess it's just a time thing. Other wise very intuitive and great fun to use. I was offered a 20D + 4 lenses for a great price the next day... still glad i chose the K10D.
Only complaint is that I didn't buy the battery grip straight away (although i don't really need it... do I????) and that the camera has now given me a reason to start investing in those fantastic Pentax Limited lenses.
I highly recomend this camera and while I am yet to fully run it through it's paces - I am amazed i even contemplated the purchase for 3 seconds instead of the 2 seconds it took me to ask the salesperson to grab me one. It kicks...
Registered: December 2006
Posts: 12
Pentax K10D review by _Mike_D
Review Date:
Would you recommend the product?
| Total Spent:
| Rating:
in camera anti shake, excellent viewfinder, everything else!
dust protection dosn't seem to work as well as claimed.
I upgraded from a canon 300d to this camera about 2 weeks ago. The canon is still a great camera, but the K10D is superior in every major respect.
So far the pictures produced with this camera simply look wonderful. Colors are well saturated and look beautiful. Thanks to the 10mp sensor, I find I can crop out large sections of a picture and still have plenty to work with.
The viewfinder is large, bright and sharp compared to the 300d. It is such a relief to finally look through a camera with a descent viewfinder.
ISO noise is higher overall than the 300d, but it has a pleasing look to it. I have yet to take a picture with this camera that has been ruined by excessive noise.
The camera also has a feature that allows you to select a range of acceptable ISO speed (for instance ISO 160-500) If you are in Av mode, the camera will automatically set the shutter speed to 1/(focal length*~1.3) and will then use the lowest ISO speed possible within that range to get the correct exposure. This is one of the handiest features I have ever seen in a camera. Kudos to Pentax.
The in camera shake reduction really does work, although I've found you can only really expect to get 1.5-2.5 stops advantage reliably (you can get 3.5 stops /sometimes/ though) This is easily one of greatest selling points of this camera. With my old camera, I needed to be keenly aware of the shutter speed at all times to avoid blurry photos. But with the combination of auto ISO, and shake reduction, I'd have to go out of my way to get a blurry photo.
The only fault I can really find is with the dust prevention system. Although it is hardly an issue, I already have small amounts of dust on my sensor after 2 weeks of use. I more or less expected to never need to clean my sensor again, but it looks like I will have to keep my sensor swabs after all. Hopefully the system will at least /minimize/ the dust so that I only will need to clean it once a year or so...
All in all I would say this is very nearly the perfect camera for me, and I wouldn't hesitate to recommend it to anyone.
There are a number of pictures on my site starting with this one that were taken with this camera.
This document copyright © 2009-2018, SLRgear.com, all rights reserved.


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The Worshipful and Ancient Law of Gallifrey, as depicted in WC: Shada.
Source: Shada image gallery
Art by Lee Sullivan, ©British Broadcasting Corporation.
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|''The Worshipful and Ancient Law of Gallifrey,'' as depicted in WC: ''Shada''. Source: [http://www.bbc.co.uk/doctorwho/classic/webcasts/shada/gallery/scenery/index.shtml ''Shada'' image gallery] Art by Lee Sullivan, ©...