text:
This blog discusses topical issues in Nigerian politics and society. It attempts to give indepth analysis into problems concerning democracy, governance, education, and religion that seek to impede the progress of the country.
Thursday, July 7, 2011
Discourse 320. Nigerian Bishops and Islamic Banking, Plus the Missing Link
By Aliyu U. Tilde
Nigerian Bishops and Islamic Banking, Plus the Missing Link
I will not be surprised if this essay is short in the end because honestly there is little to add to the blind statements circulated daily around the country in the name of 'debate' about 'Islamic' banking, which the country, we are told, must ditch for the sake of its 'unity'. The whole wahala about Islamic banking is mounted on the defective tripod of debate, Islam and unity, which are poorly joined by the clandestine glue of self-interest.
Debate is about objective reasoning. But there is no reason in this one, much less objectivity, at least not to my hearing so far. The speakers opposing the motion of Islamic banking have failed to make a single point, economic or constitutional. Instead, they flaunt threats, as if intimidation will earn them the points which only reason could accord.
There are also reservations about the characterization of the interest-free banking as 'Islamic'. Many learned people, including some prominent Muslim scholars in Nigeria, would readily argue that interest and usury are not synonyms. But even if we grant that interest is usury, then Islam is not innovative in forbidding it. Christianity and Judaism have earlier condemned strongly. Categorizing it as 'Islamic' also gives the feeling, albeit a subtle one, that the contemporary interest-based financial institutions, including the World Bank and the IMF that have aided the proliferation of misery in the world, are Christian. We must not fall into this trap of the bigotry. Let us keep in mind that the West has abandoned many teachings of Christ (blessings be upon him) long ago, just as the Muslims have long abandoned an equal quantum of the teachings of Muhammad (peace be upon him). Very bad followers of the trio – Moses, Jesus and Muhammad – inhabit the world today. Oh Heaven. Come to our rescue.
The third leg is the 'unity' of Nigeria that is often used to justify any self-motivated clamor. We have seen this before in the OIC question of the 1980s. It was said that the country would be divided if it becomes a member of the organization though Kenya, Ivory Coast, Ghana, Uganda and so many Christian dominated countries did not give up to the ghost when they took the OIC membership pill. Nigeria must be a strange beast, therefore. The reaction was the same when the country contemplated taking an interest-free loan from Islamic Development Bank. Again, the cry was Nigeria does not need the Bank since it is 'Islamic'. It should take it from the IMF where, as someone put it, the country finally paid $16billion on a $5billion loan, and still owed the debtors $28billion. But it is cool in the eyes of our Bishops because IMF in their misconstrued judgment is 'Christian'.
And now it is the turn of interest-free banking that is now a global financial product to reincarnate that blind dissonance. Our ears, again, are deafened by the fallacy of the 80s. Here we go again: 'This is a plan to Islamize Nigeria' 'It is Boko Haram banking' 'Nigeria will be divided'. Evidently, a visitor from Mars will not fail, upon hearing these statements, to declare that Nigeria is a haven for imbecility and mischief. A simple survey of the so-called Islamic banking will reveal that it is practiced by 'Christian' banks in 'Christian' nations like Europe and America, the principal mentors of its antagonists in Nigeria. As if to silence the Christian leadership in Nigeria, the Vatican press published an article extolling the merits and successes of Islamic banking two weeks ago. Poor Vatican! It does not know that Nigerians could be more Catholic than the Pope.
I will plead with my Christian brothers that we the laity should not listen to our local leaders on this matter. Reason should prevail. It is high time someone bold enough among our brothers rise to the occasion and tell the clerics these simple facts:
"Please separate economics from politics, for God's sake. Give to the bank manager what is to the bank, and to PDP what is to Caesar. Transact here, and cheat there. Mixing the two could be a lethal cocktail. Embrace the teachings of Jesus by condemning usury in all its ramifications. Follow the Vatican and establish your interest-free banks or let the Central Bank of Nigeria the breathing space to perform its statutory duty of issuing license of the same genre to whoever is interested and qualified. Christianity does not take its measurements from Islam. So do not make Islam to determine Christianity. Opposing Islam and Muslims in Nigeria does not always qualify anything as Christian. Christianity, like Islam, is a religion based on values, principal among them the abrogation of all forms of human exploitation, of which usury plays the major role in the prevailing world economic disorder. Not a fly would die in Nigeria because a bank or two have adopted an interest-free product as part of their portfolio."
These are the words I am waiting to hear from the bold Christian who would publicly come forward and call the clerics to order. A Soludo who initiated the product, an Iweala that is respected even by the oyinbo, just any name they can trust. Why not a word from Jonathan? If there is none, then I cannot help becoming sick. Please check me at the emergency ward.
But some 'Christian' banks in the country cannot afford to wait for that brave voice. Driven by the Smithian principle of profit, every week one of them is approaching the CBN for a license for Islamic Banking. I believe, before long, all the 'Christian' banks in the country would buy the product to the dismay of the Bishops.
I join those who are intelligent enough to know that Nigeria will not break up for the sake of interest-free banking. It may break up, perhaps soon, but on different grounds. I will enjoin all well meaning Nigerians not to engage in the futile exercise of defending 'Islamic Banking' in the face of opposition from our Christian fathers. They should continue to embrace the Shafi'ite logic: the lion is feared though it is silent, but the dog is stoned in spite of it's barking. Let us not bark at any visitor to our house. He may be a friend. It is the statutory duty of the apex bank and I am satisfied with the quantum of energy it is expending to explain, notwithstanding the deafness of its audience, that it is not a matter of religion but business, unusual though.
Muslims must not confuse the clerics with Christianity or our Christian brothers. The clerics are billionaires. Recently, one of them boasted that he is a billionaire and that "there is nothing anybody can do about it!" Yes Bishop. What can ordinary souls like me do about it? My Christian brothers and me are not billionaires. We are only struggling to make ends meet in Nigeria. Aha.
The clerics, it seems, are in an unholy alliance with the interest-based banks to extort ordinary Christians. The banks are where the bishops and pastors safely keep, and profiteer through interest banking, the millions they harvest from their fellowship weekly. As billionaire depositors, how much interest do they earn daily? Oh! That is the missing link in the ongoing debate on Islamic banking. In a vicious way, opposition to anything Muslim serves as a lubricant to this extortion engine. It is expected to impress the followers and make them more susceptible to increase the returns of their billionaire bishops. Thus in Nigeria Islam has become an interest-free product of primitive accumulation that makes Mr. Bishop and Mr. Bank Manager smile every Monday morning.
Finally, when all is said and done, with the 'debate' on 'Islamic' banking in a 'united' Nigeria long forgotten, one indisputable fact would remain: both Muslims and Christians, in America or in Nigeria, are victims of the present free-for-all financial institutions that are based on interest and speculations. It should therefore be an area of mutual interest, not mutual discord. Fighting this exploitation should be a joint project for Muslims and Christians in Nigeria with common sense.
But I am sad to note that for many in my country Nigeria, sense is not common.
6 July, 2011
46 comments:
- Anonymous said...
Short, but excellent! A blind man thinks no one can see him as he himself cannot see, unless you touch him. Then he realises there are people around him who can see. Such are our Bishops and their gullible followers.
Please give us more!
Thank you.
- July 7, 2011 at 2:32 PM
- Jan/John H. Boer said...
As a Christian missionary, I largely support Tilde's stand on Islamic banking and Christian opposition to it. I am going to republish this article on my blog
. The next post after that will feature my supportive response to Tilde's. So, log in for an unusual Christian perspective.
- July 7, 2011 at 2:40 PM
- shehu sa said...
Simply succinct!
- July 7, 2011 at 3:07 PM
- Umargarbai said...
Simply critical reasoning skills, i have been reading from my Christians brother, especially those opposed to islamic banking, they have yet to give logic into their arguments. Please Dr. Keeep it up!
- July 7, 2011 at 3:28 PM
- Yusuf Salisu A said...
I waited so long to hear such a matured and meaningful response from our men, may you be honorably rewarded by Allah on this holy war, Allah agaza!
- July 7, 2011 at 3:33 PM
- HISHAM I DEEN YAKASAI said...
Malam TILDE you have said it all,but small addition to what you have just mentioned is the fact that the financial economic meltdown facing the west today is as a result of the usury the modern banking accepted as a norm, and our brothers Christian Cleric believe that the modern banking since is from west is TOTALLY CHRISTIAN,which was wrong to assume it as such,is purelly business ! but dont the Nigerians have a right to have another choice ? a we not under the Democratic rule ? most we follow the status Quo ? The point is simple, if the New Intrest FREE bank is accepted by nigerians many will cease to be Billoniers,this call they are making has nothing to do with being a muslim or christain is purely busines, hope we all shine our eyes,Lets not hide under the Christian Religion JUST because you want smear the IMAGE of ISLAM,and my appeal to those clerics is they should stop antagonising anything islamic as anti chriastianity,let me just brush our mind on the Nigerian History ,The Nigerian Constitution was based on the british Laws and we should remember that UK is the is under the rule of the Queen of England and By thier Law the head of the royal family is the head of the Anglican Church in the world and Nigeria being part of the British "protoctrate" does that made all of us chriastians ? we are also members of "common wealth" which is also British under the anglican Church does that made all of US (Nigerian) CHRIASTIAN ? How much does Nigeria Contribute to that pool ? so please if Saludo was right by initialising this, using his NIne member committee(seven chriastian s and Two muslim) who gave the recommendation why should SUNUSI be WRONG BY IMPLEMENTING ? KINDLY ALLOW HIM to do his job ! and for you TILDE Thanks for this again !
- July 7, 2011 at 3:44 PM
- mannir said...
An excellent masterpiece from Dr Tilde. I hope the 'ordinary' Christians will find it tantalizing enough to open their minds and think!
- July 7, 2011 at 3:48 PM
- Sarkiyaki Mohammed said...
Elegant display of reasoning skills based on common sense.
Sarkiyaki, M.
- July 7, 2011 at 4:04 PM
- zainab magaji said...
I especially love the part where the author suggests that to call non interest banking 'islamic' is to subtly hint that the IMF and WB blood thirsty ways are christian. Bravo sir.
- July 7, 2011 at 4:25 PM
- Anonymous said...
Please educate them more and more so that they will become more and more enlightened.
Thank you.
- July 7, 2011 at 4:32 PM
- Anonymous said...
That was a very good piece DR. I want to add that even if non interest banking is 'Islamic', don't the Nigerian Muslims have the right to practice their religion or is anybody forcing any christian to open an account in an Islamic bank?
- July 7, 2011 at 4:41 PM
- Da'i said...
When you want to kill a dog, give it a bad name. In no time it will wallow in the garbage. But the unfortunate Bishops in our country always think they can have their way by deceiving their followers against anything to do with Islamic principle in Nigeria. They are late. Soon they will start fighting themselves God's willing.
- July 7, 2011 at 4:52 PM
- Ali M said...
The Islamic (non-interest) banking is not compulsory even for the Muslims and is opened to all. Like okonja Iweala said to the senate, it is aimed at accomodation a section of the population that have some difficulties with the interest-based banking system. If I'm your child and I'm vegetarian, I don't eat meat or other dairy products, won't you accommodate me on the family dinning table by simply providing more options or variety on the table so I can find something to eat. That is simply what the central bank is trying to do.
- July 7, 2011 at 5:20 PM
- Anonymous said...
My take is anything that will help open the competitive space is good for Nigeria.
- July 7, 2011 at 5:21 PM
- Alkasim said...
What a masterpiece,actually i enjoyed this article to the fullest.
- July 7, 2011 at 5:36 PM
- Hassan Sabo Miya said...
Yet another astonishing one from Dr Tilde!.Keep it up and keep us informed
- July 7, 2011 at 5:37 PM
- Anonymous said...
A missing link indeed!
You could have been bold enough to say that nigerian xtianity is but the reaction to nigerian islam
- July 7, 2011 at 6:21 PM
- Anonymous said...
Very funny. Muslims are shouting Sharia Banking now they expect Christians to roll back and watch them. When Christians bring in Miss World contest to Nigeria, they forget that Nigeria is a secular space, they start fighting. When they introduce Sharia and make public facilities Sharia complaint, they forget that there are others who dont share their faith. When they ban adverts of beer and cigars in the north, they forget we do not serve the same God. Yeye people who know how to pontificate when they have something to lose. We are waiting for you to start bombing churches. This so called Sharia banking still takes commision o, as if commision is not the same as interest. Nonsense!!
- July 7, 2011 at 7:11 PM
- Anonymous said...
Oh, some are complain against economic safe guard in an increasingly economic crisis world! this Nigeria needs more God's blessing. May God brings bank of prosperity with much ease. We are waiting to see how Okon jo will arm twist this again. Madam 12 billion dollars
- July 7, 2011 at 9:05 PM
- Anonymous said...
A very good article that has captured it all. From both economic and global perspectives, I feel that Nigerian muslims should not waste their time in even responding to all what is being said. Rather, we should mobilise all and sundry including our christain brethren who abhor the current banking system to ensure that non-interest banking works succesfully in Nigeria. Let everybody act according to the dictates of what his religion preaches and based on his conscience. Truth can never be suppressed no matter how hard one tries to do that. Continue to share what God has bestowed on you with us and keep up the good work.
- July 7, 2011 at 10:36 PM
- Adeiza said...
Each time I read an article from Dr. I will think this is the icing on the cake but now I know the cake is yet to be baked. Thumb up Dr!
- July 7, 2011 at 10:47 PM
- Nasiru suleiman bantan said...
I agree with Aliyu Tilde.
- July 8, 2011 at 12:21 AM
- musasqueezer said...
Yah..,really, Dr Tilde, common sense is not common. You can make common sense, common only by going to school to acquire education and as well, reading widely and making a comparative understanding,of phenomena, through the power of reasoning then will common sense be common. May Allah enrich you in manifold, may HE give you good health and long life. long live Dr.
- July 8, 2011 at 12:30 AM
- Mansur H. said...
By reading this article, every sensible, intelligent and objective person got the message and the clear picture of the "interest free banking" not the "islamic banking". However, it is the interest free that make it islamic. THINK WISELY!
- July 8, 2011 at 1:15 AM
- DR. IS-HAQ AKINTOLA said...
Immediately I finished reading Dr. Tilde's piece, I rushed to the emergency ward at the Lagos State University clinic. Alas! He wasnt there! Aso Rock should tell us where he is being treated.
Dr. Is-haq Akintola, Director, Muslim Rights Concern (MURIC)
- July 8, 2011 at 1:43 AM
- Sarkiyaki Mohammed said...
Iam responding to one anonymous who retort to abuses simply because there is nothing left for his imagination. His argument suggests that Christianity tolerates vices such as prostitution. I want to belief he does not understand his religion well. Be bold enough to come out with reasons that can much the DR's, not retorting to abuses. Let your imagination run riot and be creative. But i suspect that you might be one of the Bishops Tilde is referring to.
- July 8, 2011 at 6:05 AM
- Anonymous said...
Nigeria have blessed with Human and Natural resources but utilize both is a problem every thing progress is criticize why? it is Ignorance, iliteracy or selfish interest in terms of Islamic Bank Wallahi idon't know actually the problem of this calamities.
- July 8, 2011 at 10:44 AM
- Anonymous said...
I don't know till when Nigerian christians'll stop being victims of pseudo-sentiments of 'Fathers'... i really don't know! Dr. Tilde, help continue educating them, please.
- July 8, 2011 at 11:08 AM
- Muhammad A. Kumo said...
Uncle tilde you do said it all may Allah reward you with the best reward.
- July 8, 2011 at 1:40 PM
- Laubare said...
Dr you should not be surprise the way debate is conducted in Nigeria,because it's only in this country that we have had a one man 'DEBATE' so let them carry goooo.
- July 8, 2011 at 1:51 PM
- Dr. Emmanuel Gwamna Msheliza said...
I totally agree with Dr.Tilde.
poverty has no religion and the so called 'bishops' are not representing CHRISTIANITY but themselves. Imagine how a former GMD of a bank bought A PRIVATE JET for the OVERSEER of his SECT.Just imagine the LOOTING by these ex-bank GMDS. He that has nothing to fear should not fear ISLAMIC BANKING.
- July 8, 2011 at 1:54 PM
- Jaafar said...
This is clear truth for all to see.
- July 8, 2011 at 3:45 PM
- Masamba Masanga said...
With all due respect, your article is rather long-winded and it still didnt hit the spot - at least not in the same way that Fela did with a few short lines in "Coffin for Head of State".
You didnt make your point strongly enough or clearly enough; I got the impression that you hadnt thought through what you wanted to say before you started writing ... which explains the incomplete and somewhat muddled quality of the article. And there does seem to be an underlying attitude or bias in defence of Islam. In other words, a strain of partisanship is discernible in your writing.
I thought I should mention it, that you might like to know.
- July 8, 2011 at 5:58 PM
- Anonymous said...
This is highly inspiring. You have dealt with the issue with a good sense of humor that suits everyone. Continue the good work Dr.
- July 8, 2011 at 6:41 PM
- Anonymous said...
my problem with some nigerian christians is the use of abusive words on islam and muslims whenever they make a comment on an objective article that does not favour their arguments instead of them to come up with reasonig and objectivity.
- July 8, 2011 at 10:29 PM
- odirinwune kelechi laserian said...
That was a short and to the point. Well done Dr. Tilde. However, I wonder how people like Masamba Masnaga post comments without making it constructive, after criticising the article, Masanga should also constructively point out the areas where the article was not not balanced. we also expect him to go as far as faulting the Non Interest Banking economically and academically.
- July 8, 2011 at 11:03 PM
- KENNY said...
One wonders if the writer of this article lives on banana republic. Sanusi shut down healthy banks because he wanted to introduce Islamic banking on circular and volatile country like Nigeria. It is only a blind writer like Aliyu U. Tilde that will be insensitive not to have seen the menace caused by Islam in Nigeria and in the world in General. He made reference to the UK and the USA, and I want to ask him, if people in these countries kill their citizens because of Religion??? How can a sensitive person like Sanusi who holds an exalted office in a circular country like ours introduce a religious bank knowing fully well it would cause problems. If JONATHAN as the president of Nigeria introduces a Christian bank which will be operative based on Christian laws and principles, will other religions like it??? Will he be viewed as being considerate and not one sided??? What then happens when a Muslim who does not share the same faith or believes with his Christian brother goes to the bank to collect a loan?? Does he {The Muslim} denounce his faith because he wishes to collect loan from the Christian indoctrinated bank??? The north introduced sharia law not minding that other religion exist there and you people can see the progress we have made so far with it{BOKO HARAM killing Christians and Muslims}. Let us not allow sentiments affect our better sense of judgment as any right thinking person knows we do not need a religious oriented bank in Nigeria for now.
- July 9, 2011 at 5:23 AM
- Anonymous said...
Shamsuddeen! That was really rich and educative. Keep it up Dr. Tilde
- July 9, 2011 at 5:39 PM
- Anonymous said...
a very educative article.keep it up Dr.Tilde...
- July 9, 2011 at 6:53 PM
- Gambo said...
Some people in Nigeria think no good can come out of anything that has to do with Islam. It is high- time they woke up from their illusion. Thanks Dr. May Allah reward you for your efforts and grant you more wisdom.
- July 10, 2011 at 7:52 AM
- Aminu Yabo said...
Thank you very much Dr. Aliyu Usman Tilde. Please keep it up!
- July 11, 2011 at 11:24 AM
- Shamsuddeen said...
Thank you all for your various comments, mostly in support of Dr Tilde's writing.It's beyond that, that Islamic bank will not stand with out our fullcooperation and support.What I mean by cooperation is this living up to agreements.What I mean by support here is our patronage.Iremember when Jaiz came to the market the first time to raise money from the public,many of us refused to invest our funds then.I hope this time a round we are going to patronise the Islamic banking by investing our funds there and buying in to their products with patience,the returns may not be as high as what we normally received from the interest based banking transactions.For those of us that waiting to borrow funds from the Islamic bank we should be sincere with ourselves.May Allah help us, Ameeen
- July 11, 2011 at 12:35 PM
- Hadi Ruma said...
kenny, your last two points exposes your antigonism of the interest free banking, re-read your post you have answered your sentiments.
- July 11, 2011 at 2:04 PM
- Anonymous said...
I don't see anything wrong with interest free banking in Nigeria but I feel the CBN should have organized a workshop to enlighten the religious leaders on the project and who says the Bishops shouldn't scream!
These people have seen a lot happen in this country. What would you call a politically motivated riot that got only churches damaged in this northern cities and towns and Christians are been killed?
please Dr. I respect your contribution but if you read through this blog and compare comments made by people with seemingly islamic/northern names , you will feel the hatred and desire to oppress the others who don't have same sounding names.
So, I really doubt if we are getting it right living together as a country.
Nigerians take their religion 1st and every other thing second on the surface.
please Dr. do a survey of the comments on your blog and honestly advise on the way you think for Nigeria.
For me I think religion has made us to so hate one another that I feel we are just wasting our time staying together as a nation.
- July 11, 2011 at 2:48 PM
- Yakubu said...
Dr Tilde, thank you for your article. i think the whole 'hair splitting arguments' on Islamic banking is tiring and i really wish we could put things in clear perspectives without being so emotive.
I will ask my Christian brothers if any Christian group was denied by the CBN from floating a 'Christian' Non-interest facility. If that has not been done and the Islamic form of Non-Interest Banking is just but a choice amongst others,then i see no reason to be so emotive on the issue.
For the Bishops ,i understand their emotion; the whole Boko Haram thing, killings in the north in the name of religion. I was in Kaduna during the Beauty pageant riots, Zaria during the religious crisis in the 8os and i must say i am very concerned how quickly 'Muslims' in the North resort to violence at the slightest provocation. Many have shown their aversion to a mixed legal system and will rather prefer a complete Sharia based society. these has informed alot of people's responses , so maybe we should be a bit easy on the anti-Islamic banking proponents.
At the risk of being generalistic i have seen many 'Christians' do horid things in the name of religion; including our Bishops and leaders. The Holy Scriptures remain our standard.
My only grouse with the CBN is the the way NIB was introduced initially.The initial gazette read Islamic (NID) banking, we all know that there are other forms of it.
I expected the CBN would have published rules for all forms of NIB(knowing our religious polarity), then whatever group meets the regulation for whatever form of banking can now be given the license.
Having said this , i will still implore for more tolerance on our part as believers of our various religion and for a balanced approach in addressing these issues on the part of the CBN
- July 30, 2011 at 10:12 PM
- Anonymous said...
A good and simple analysis for he who is ready to accept the truth,u hv said it all i wll never west my ample time again reading anything concerning islamic banking debate,may Allah enrich us with more tildes, ameen,kp it up pls.
- August 10, 2011 at 11:06 AM


text:
Recipes from a Maple Queen is a beautiful, informative cookbook
copyright the Chronicle 9-26-2012
Recipes from a Maple Queen, by Doreen Lyon, hardcover, full-color photographs by Doreen Lyon, design and layout by Jared Lyon, 83 pages, $35.
Reviewed by Bethany M. Dunbar
Recipes from a Maple Queen is a gorgeous and informative cookbook. Doreen Lyon put it together herself, with help in the design from her son, Jared.
Doreen Taylor Lyon grew up in a family of maple producers. At age 16 she decided to enter the Vermont Maple Queen competition, held each year at the Vermont Farm Show at the Barre auditorium.
"We were judged on our knowledge of maple production, oratory skills, and poise. There were 18 contestants; I didn't think I had a chance of winning. So it was a great surprise when I was announced at the new 1970 Vermont Maple Queen. I can still see the look of pride on my parents' faces."
It was the beginning of a year of activity for the teenage maple queen, and photos of some of these activities appear in the book. One shot shows her with Governor Deane Davis, handing him a can of maple syrup.
One of the prizes was a hand made silver maple leaf pin, made by Luella Schroeder of East Cabot. A photo of the pin appears on the cover of the book.
This book will be useful for those who don't know a lot about maple syrup production and how to cook with maple. It is also going to quickly become a treasure for many of us who have cooked with maple for most of our lives.
I've always cooked with maple syrup but never knew how to make granulated maple sugar or maple candy. Those recipes are in the first chapter: The Basics.
Later in the book is a recipe for maple cheesecake I think I have been looking for all my adult life. I've tried several maple cheesecake recipes and none were as good as the idea of maple cheesecake. I'm guessing that the recipe from the maple queen is going to be the one for me from now on.
There are desserts in this cookbook, but as Vermonters already know very well, maple is not just for dessert. This book includes a chapter of recipes for meat dishes, vegetable dishes, salad dressings and salads with a touch of maple in them.
What a gift Ms. Lyons has made to the world by putting all these family recipes into a book and offering it for sale. Her photos are lovely, and her son has done a terrific job with the design.
Francis Taylor is Ms. Lyon's sister, and he is selling her book at Taylor's Automotive in Barton, where you can also get a jug of the family's syrup.
Here is a sample recipe to get your mouth watering for more:
Spinach salad with hot maple bacon dressing:
Yield: four servings; prep: 25 minutes; cook: ten minutes.
One roasted pepper
One pound baby spinach
One red onion, sliced
One-half pound smoked bacon
Six Tablespoons maple syrup
Six Tablespoons rice vinegar
One-half teaspoon salt
One-half teaspoon pepper
One-half cup sliced almonds
Prepare salad by first roasting red pepper in the oven, on the stove or on the grill, until charred. Remove from heat, place in a bowl and cover until cool. Remove skin from roasted pepper and slice. In a large bowl add spinach, red onion, and roasted pepper.
Cook bacon in cast iron pan over medium heat until crisp. Drain on paper towels. Break into medium pieces; save for garnish. Stir maple syrup into pan used for bacon. Add vinegar and salt and pepper to taste.
Serve dressing hot over spinach salad. Garnish with bacon crumbles and sliced almonds.
To learn more or contact Ms. Lyon directly, see her website: www.recipesfromamaplequeen.com
contact Bethany M. Dunbar at [email protected]
For more free articles from the Chronicle like this one, see our Reviews pages. For all the Chronicle's stories, pick up a print copy or subscribe, either for print or digital editions.

subset: commoncrawl


text:
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text:
Includes members of Bay Area bands Impaled, Hammers of Misfortune and Hickey.
Get Another Great Love Song and pick up Ludicra's first album Hollow Psalms while you're at it, poser!
"Hot damn, I knew this thing was gonna kill as soon as seven-minute opener "The Only Cure, the Only Remedy" kicked off with pristine acoustic guitars and twisted lead melodies over distant vocal snarls, and sure enough, a minute later the band plows straight into some speedy and extremely energetic black metal. But that's only the beginning! I've actually read a lot about this band, be it the fact that their lineup contains members of Impaled, Hammers of Misfortune, and Hickey; that their female vocalists are among the best out there; or that their songwriting is super intense and definitely pushes for something more out of the genre. And I have to say, they're worth all the hype and then some... and they actually deserve way more attention than they're getting. The impressive vocals range from ripping screams and roaring snarls to a monotone form of singing, and while black metal may be the backbone of a lot of the music, there's way more happening with this stuff. From tight tremolo picking and ragingly fast power chords to twisted discordant arpeggios or sinister clean passages there's a lot of wrenchingly emotional feeling to everything that's happening on this one. The songwriting is a very effective blend as well, both with all of these varied playing styles as well as the sense of flow and arrangement. There's a lot of subtle layering involved that adds intrigue to both the riffing and the vocal arrangements, and the drummer's got a real knack for cutting loose with sweet fills and powerful changeups when the structures permit...Man, this is just a pounding release that's chock full of admirably powerful riffs and well composed songs that definitely leave a mark. Very much recommended, and I'm going to be heavily interested in hearing their next record, because I honestly bet they're gonna do major damage, because they've got the potential to eclipse this one... and that kind of result could be a serious contender out there. Look into this fucker for sure, there's not one weak track on this thing. Great work. (8/10)"- Aversion Online
"Wow, the first 'Black Metal' album on alternative Tentacles. LUDICRA
give here 7 Songs to the best one, which pass the Black Metal really
hair-sharply. Greases guitar walls with Keif and Grunzgesang. The Clou at
this album are the Female Vocals, where one perhaps imagines really only
when second hearing that a woman at the micro is here. The violin, the cello
and the piano give the last Quenchen, which needs it in order to convince to
this album. Absolutely tap!!!"
- Greed Records (translated from German)


text:
After implantation, the tissue developed blood vessels and became integrated into neuronal networks in the animals' brains.
Speaking of Science
April 1, 2014|
April 2014's selection of notable quotes
April 1, 2014|
April 2014's selection of notable quotes
March 26, 2014|
New research suggests that the wooly beasts may have succumbed to a shrinking gene pool or intense environmental pressures as their species went extinct.
March 20, 2014|
Invasive snakes in Florida show evidence of a compass sense they use to navigate back to home territory.
March 18, 2014|
Experienced fish may be critical for keeping migrating populations on track, a study finds.
March 18, 2014|
Antarctic moss beds that have been frozen for more than 1,500 years yield plants that can be brought back to life in the lab.
March 1, 2014|
The Sixth Extinction, Joy, Guilt, Anger, Love, Ha! The Science of When we Laugh and Why, and Ten Thousand Birds
March 1, 2014|
Researchers are using snowdrifts to artificially warm Arctic tundra during winter and finding that more carbon is released from the soil than plants can soak up from the atmosphere.
January 24, 2014|
Mistimed sleep disrupts human transcriptome; canine tumor genome; de novo Drosophila genes; UVA light lowers blood pressure; aquatic microfauna fight frog-killing fungus
January 23, 2014|
A new report finds that about a quarter of the world's cartilaginous fish species are at risk of extinction.
January 21, 2014|
A virus that causes blight in plants may contribute the catastrophic decline of honeybee colonies.


text:
We detect that you are using an outdated version that is not fully compatible with our website. We suggest updating your browser to the most updated version of your browser of choice in order to interact with our website and others without issue. Thank you for shopping with us!
This is the flying camera drone that sends live video to a smartphone from up to one third-mile away. A 5.8 GHz radio remote controls the drone, displaying live video on an iPhone or Android smartphone connected to the remote's dock. Easier to fly than typical RC craft that require constant stick control from the remote for stable flight, its autonomous flight system manages all four of the drone's 9" high-efficiency propellers simultaneously, allowing it to hover in-place or stay on-course while you focus on taking pictures and video. A 3-axis gimbal system stabilizes its built-in 14 mp camera as the drone pitches, yaws, and rolls. With a 110� field of vision and up to 35� of tilt flexibility, the camera snaps pictures at 4384 x 3288 pixel resolution and records 1080p high-definition video, saving both onto an included 4 GB microSD card. Rechargeable battery provides 25-minute flight times from a full charge using the included AC adapter. Built-in firmware prevents the copter from flying into restricted airspace. Only available for delivery in the U.S. and Canada. 12" H x 13 3/4" W x 13 3/4" D. (2 3/4 lbs.)
Lifetime Guarantee
The Live Video Camera Drone comes with The Hammacher Schlemmer Lifetime Guarantee. If this product ever disappoints you, for any reason, you may return your Hammacher Schlemmer purchase for exchange, credit, or refund.
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text:
Not counting the
four compilations the band has contributed to (On the Downside, Jungle,
Wade-Free Vancouver & Wade-Free Wherever) or the four snowboarding videos
their songs have been included on (the NO EVIL trilogy & Sha-Drack, Me-Shack,
A-Bed-Nigo), these Vancouver boys latest release Unauthorized Volume
Dealers marks their fourth release (their 3rd full-length).
Unauthorized Volume Dealers was recorded and mixed by Ken "HiWatt"
Marshall at Mushroom Studios in Vancouver and showcases the bands powerful
ability to mix controlled noise with abrasive guitar strangulations.
Released three months earlier in Canada, it's holding steady at number 5 on
Canada's National Chart even now. Facepuller
come to Alternative Tentacles Records via our friends at Bang-On Records.
Unauthorized Volume Dealers is the first wide spread release this
band has had outside Canada. So cherish and revel in the flying shrapnel
guitar demolition that straddles the punk/metal/noise-core fence. There's
enough genre-mixing to satisfy metal-heads and punk rockers alike!
Facepuller's Brent, Ian and Brad have
top-secret, covert jobs that don't allow them to tour much outside of Canada,
but there is a video for "Bored With Beauty," directed/produced by Bill
Morrison (Skinny Puppy, GWAR).


text:
Cash Flows from Financing Activities represent the net change in cash received from or repaid to external providers of capital. Cash Flows from Financing... read more
Market and financial statement data provided by NASDAQ, BATS Exchange, SEC and Xignite Inc. Industry and operating metrics collected from company filings via EDGAR online. For more information on sources and calculations click here.


text:
Having asthma does not necessarily mean having a complicated pregnancy. With proper management of the asthma and appropriate medical care during the pregnancy, most women who have asthma can experience healthy pregnancies.
Asthma is probably one of the most common diseases that can complicate a pregnancy. In some cases, diagnosis of asthma is not made until a woman becomes pregnant. How asthma affects a woman during pregnancy varies, including:
Treating asthma properly during pregnancy is important. Uncontrolled asthma can lead to decreased oxygen intake for the mother, which, in turn, affects the fetus. Uncontrolled asthma can lead to any of the following complications:
Asthma, when not controlled, can put undue stress on the mother as well as on the fetus. Lack of oxygen will not only deprive the mother, but also the fetus. Other complications from uncontrolled asthma for the mother include:
Lack of oxygen to the fetus from the mother can lead to many health problems in the fetus, including:
Most asthma medications are not harmful to the fetus or to the nursing baby. In fact, uncontrolled asthma may actually put the mother and fetus at far greater risk than the medication used to control asthma. Always consult your doctor for a diagnosis and to develop a specific asthma treatment plan tailored to your individual symptoms.
The American Lung Association recommends a pregnant woman take the following steps to reduce the risk of having an asthma attack during her pregnancy:
Even with a proper asthma management plan in place, a pregnant woman should be aware of certain warning signs that may indicate an asthma attack, such as:
Always consult your doctor about what asthma attack warning signs to look for and when to seek emergency medical treatment.
Click here to view the
Online Resources of Pregnancy, Birth, and Baby Center


text:
During the off-season, Looking Ahead gives a snapshot of where drivers finished in 2012 and what's ahead for them in 2013. We will look at drivers who scored at least 250 points in the Cup Series and those who earned at least 200 points in the Nationwide and Camping World Truck Series.With 64 days to go until the 2013 season-opening Daytona 500, here are some driver recaps followed by a tentative list of 2013 Sprint Cup Driver/Team lineups.NASCAR Sprint Cup Series (NSCS):Regan Smith finished 24th in the standings and earned 747 points.2012: Drove the first 30 races of the season in the No. 78 Chevrolet for Furniture Row Racing before being let go. In the next two races (Charlotte and Kansas), he filled in for Dale Earnhardt Jr. (out recovering from a concussion) in the Hendrick Motorsports No. 88 Chevrolet. He ended the season with two starts in Phoenix Racing's No. 51 Chevrolet. In his 34 starts, Smith led two laps, had one top five and four top 10 finishes. He had an average start of 18.2 and a 22.1 average finish. He also made one start in the Nationwide Series. He started 10th in the line-up for the season-ending race at Homestead-Miami in JR Motorsports No. 5 Chevrolet. Smith led 24 laps and scored the win; his first career victory in the NNS.Best NSCS starts: 3 - Phoenix 03/04/12 and Richmond 09/08/12Best NSCS finish: 5 - Talladega 10/07/12Last NSCS Win: Darlington 05/07/11.2013: Has signed with JR Motorsports to drive their No. 5 Chevrolet Camaro full-time in the NASCAR Nationwide Series. Smith is also scheduled to run the Sprint Cup Daytona 500 for Phoenix Racing in the No. 51 Chevrolet. AJ Allmendinger will take over the No. 51 after Daytona.Bobby Labonte finished 23rd in the standings and earned 772 points.2012: Drove the No. 47 Toyota for JTG Daugherty Racing. In the 36 starts, he led one lap, had two top 10 finishes, and had a 26.6 average start and a 22.6 average finish.Best NSCS start: 15 - Charlotte 10/13/12Best NSCS finish: 9 - Martinsville 10/28/12Last NSCS Win: Homestead 11/16/03.2013: Labonte returns to the No. 47 Toyota. Brian Burns, who was the interim crew chief for Labonte for the second half of the 2012 season, has been named the permanent crew chief for the team.Juan Pablo Montoya finished 22nd in the standings and earned 810 points.2012: Drove the No. 42 Chevrolet for Earnhardt Ganassi Racing. In the 36 starts, he led 22 laps, scored two poles, had two top 10 finishes and had an average start of 23.3 and a 21.7 average finish.Best NSCS starts: 1 - Pocono 08/05/12 and Watkins Glen 08/12/12Best NSCS finishes: 8 - Bristol 03/18/12 and Michigan 06/17/12Last NSCS Win: Watkins Glen 08/08/10.2013: Montoya will return for a full season in the No. 42 Chevrolet.NASCAR Nationwide Series (NNS):Jamie Dick finished 24th in the standings and earned 282 points.2012: Drove 14 races in the R3 Motorsports' No. 23 Chevrolet. In the 14 races, he had an average start of 25.5 and a 23.9 average finish.Best NNS starts - 16 - Kentucky 06/29/12 and Kentucky 09/22/12Best NNS finish: 18 - Phoenix 11/10/12Last NNS Win: None so far2013: No firm plans at this time.Ryan Truex finished 23rd in the standings and earned 298 points.2012: Drove seven races in the Joe Gibbs Racing's Nos. 18 and 20 Toyotas; three in RAB Racing's Nos. 09 and 99 Toyotas and one race in the Tommy Baldwin Racing No. 36 Chevrolet. In the 11 races, Truex led 46 laps, scored one pole, one top five and four top 10 finishes. He had an average start of 14.5 and a 17.2 average finish. Truex also made two NCWTS starts in the Hillman Racing No. 27 Chevrolet Silverado with a best finish of ninth. Best NNS start: 1 - Dover 06/02/12Best NNS finish: 2 - Dover 06/02/12Last NNS Win: None so far2013: No firm plans at this time but may run some races with Joe Gibbs Racing in the No. 18 Toyota.Kenny Wallace finished 22nd in the standings and earned 311 points.2012: Drove 13 races in the RAB Racing Nos. 09 and 99 Toyotas and one in the SR2 Motorsports No. 24 Chevrolet. In the 14 races, he led four laps, had one top five and three top 10 finishes and had an average start of 14.6 and an 18.7 average finish.Best NNS start: 3 - Phoenix 03/03/12Best NNS finish: 4 - Chicago 07/22/12Last NNS Win: Rockingham - 11/03/01.2013: No firm plans at this time but if sponsorship is found Wallace could race in either the No. 09 or No. 99 Toyota for RAB Racing.NASCAR Camping World Truck Series (NCWTS):Norm Benning finished 21st in the standings and earned 346 points.2012: Drove 17 races in his Norm Benning Racing No. 57 Chevrolet Silverado. He had an average start of 34.0 and a 23.6 average finish.Best NCWTS start: 30 - Texas 06/08/12Best NCWTS finish: 15 - Kentucky 09/21/12Last NCWTS Win: None so far2013: No firm plans in place at this time but most likely will attempt to make the field in all races with his No. 57 truck.Dakoda Armstrong finished 20th in the standings and earned 370 points.2012: Drove the first 14 races of the season in the ThorSport Racing No. 98 Toyota Tundra and one race in Turner Motorsports No. 4 Chevrolet Silverado. He led one lap, had one top five and one top 10 finish, and had an average start of 20.9 and a 19.4 average finish. Armstrong also drove for Turner Motorsports in the Nationwide Series finale at Homestead. He finished 25th in the No. 30 Chevrolet.Best NCWTS start: 11 - Rockingham 04/15/12Best NCWTS finish: 3 - Michigan 08/18/12Last NCWTS Win: None so far2013: No firm plans in place at this time.
2013 Sprint Cup Lineup - Full-time teams(Tentative)
Jamie McMurray
McDonald's/Bass Pro Shops/LiftMaster
Earnhardt Ganassi Racing
Brad Keselowski
Miller Lite
Penske Racing
Kasey Kahne
Farmers Insurance/Quaker State/Great Clips
Hendrick Motorsports
Marcos Ambrose
DeWalt/Stanley Tools
Richard Petty Motorsports
Danica Patrick
Stewart Haas Racing
Denny Hamlin
Joe Gibbs Racing
Tony Stewart
Bass Pro Shops/Mobil 1
Stewart Haas Racing
Clint Bowyer
5-Hour Energy/Peak Motor Oil
Michael_Waltrip Racing
Greg Biffle
Roush Fenway Racing
Ricky Stenhouse Jr.
Best Buy/Zest/First Third Bank
Kyle Busch
M&M's/Interstate Batteries
Matt Kenseth
Home Depot/Dollar General
Joey Logano
Jeff Gordon
Drive to End Hunger/DuPont
Josh Wise
MDS Transport
Front Row Motorsports
Paul Menard
Richard Childress Racing
Kevin Harvick
David Stremme
Swan Energy
Swan Racing
Jeff Burton
Ken Schrader
Federated Auto Parts (10 races)
FAS Lane Racing
David Ragan
J.J. Yeley
Max Q Motorsports
David Gilliland
Ryan Newman
Aspen Dental/WIX/Outback/Code 3
Juan Pablo Montoya
Aric Almirola
Smithfield Foods
Bobby Labonte
Little Debbies/Kroger/Kingsford
JTG Daugherty Racing
Jimmie Johnson
Lowe's/Kobalt Tools
Regan Smith
?? (only the Daytona 500)
Phoenix Racing
AJ Allmendinger
?? (unknown number of races)
Mark Martin
Aaron's (24 races)
Michael Waltrip
Aaron's (3 races)
Brian Vickers
Aaron's (9 races)
Martin Truex Jr.
Kurt Busch
Furniture Row
Furniture Row Racing
Dale Earnhardt Jr.
Army National Guard/Diet Mountain Dew
Carl Edwards
Fastenal/UPS/Kellogg's/Best Buy/Subway
2013 Sprint Cup Lineup - Part-time/Questionable teams
Casey Mears
American Ethanol
Germain Racing
Trevor Bayne
Wood Brothers Racing
Robert Richardson Jr.
R3 Motorsports
Stephen Leicht
Joe Falk Motorsports
Dave Blaney
Tommy Baldwin Racing
Hamilton Means Racing
Landon Cassill
BK Racing
Joe Nemechek
AM FM Energy LLC
NEMCO Motorsports
Scott Speed
?? (15 races)
Leavine Family Racing
Michael McDowell
Red Line Oil
Phil Parsons Racing


text:
- Preprint (3)
- Wissenschaftlicher Artikel (1)
- Force-Torque (4)
- Manipulation skills (4)
- Robotics (4)
- deformable objects (4)
- Assembly (3)
- Assembly (1)
- active damping (1)
- oscillation (1)
- Manipulating Deformable Linear Objects: Programming using Different Manipulation Skills (2003)
- This paper describes motion primitives which solve some common recurrent problems encountered when manipulating deformable linear objects. As one example for the usefulness of these manipulations skills, the mounting of a leaf spring is presented here.
- Manipulating Deformable Linear Objects: Manipulation Skill for Active Damping of Oscillations (2002)
- While handling deformable linear objects (DLOs), such as hoses, wires or leaf springs, with an industrial robot at high speed, unintended and undesired oscillations that delay further operations may occur. This paper analyzes oscillations based on a simple model with one degree of freedom (DOF) and presents a method for active open-loop damping. Different ways to interpret an oscillating DLO as a system with 1 DOF lead to translational and rotational adjustment motions. Both were implemented as a manipulation skill with a sepa-rate program that can be executed immediately after any robot motion. We showed how these manipulation skills can generate the needed adjustment motions automatically based on the readings of a wrist-mounted force/torque sensor. Experiments demonstrated the effectiveness under various conditions.
- Manipulating Deformable Linear Objects: Characteristics in Force Signals for Detecting Contact State Transitions (2001)
- This paper deals with the handling of deformable linear objects (DLOs), such as hoses, wires or leaf springs. It investigates the a priori knowledge about the 6-dimensional force/torque signal for a changing contact situation between a DLO and a rigid polyhedral obstacle. The result is a complete list, containing for each contact change the most significant combination of force/torque signal components together with a description of the expected signal curve. This knowledge enables the reliable detection of changes in the DLO contact situation and with it the implementation of sensor-based manipulation skills for all possible contact changes.
- Handhabung deformierbarer linearer Objekte: Programmierung mit verschiedenen Manipulation-Skills (2002)
- Diese Arbeit beschreibt verschiedene Bewegungsprimitive zur Lösung einiger häufig auftre-tender Probleme bei der Handhabung von deformierbaren linearen Objekten. Anhand der beispielhaften Montage einer Feder wird die Nützlichkeit der verschiedenen Manipulation-Skills im einzelnen, aber auch deren Kombination dargestellt.


text:
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text:
[Oh, here we go, it's the Citizen of Tomorrow Awards, just posted.]
Now, the problem I had last night was being too ambitious, thinking I could drop by the First Birthday Celebration of The Bay Citizen and then hustle it uphill to the Specfic Whites neighborhood by nine-ish, thinking that this year's party would be like last year's, you know, the one they had in the Twitterloin. That one was off the hook.
Anyway, here it is at the stated 8:00 PM starting time. (A dozen people to park your car, but only one to check you into the place.)
(Why, yes, Terra _is_ 200 feet away from a bridge and two miles away from a tunnel – why do you ask?)
And here are your food trucks. (Everything seems to taste better when it's from a truck, non?)
Click to expand
I guess things got going later in the evening. But I'll tell you, if you skipped the first hour of last year's soiree, which was off the hook, you would have missed a lot.
The good thing is that The Bay Citizen produced, as designed, a lot of good stuff the past year.
Anyway, Bon Anniversaire, The Bay Citizen.


text:
|Sue Bird was one of the lynchpins of Sparta&K M. R. Vidnoje in the last years and the face of the team after the departure of Diana Taurasi
"She will not be with us next season."
That was the answer of Sparta&K M.R. Vidnoje general manager Steve Costalas, when asked if long-time point guard Sue Bird will be with the Russian outfit.
"I wish her luck," Costelas said.
"It doesn't matter where she goes, though.
"She'll always have a (Sparta&K) red shirt on no matter where she plays."
There is rampant speculation that Bird has agreed to join another EuroLeague Women outfit but so far, no club has announced her capture.
For the general basketball public, it will be strange looking at Bird wearing something other than a Sparta&K uniform, just as it was seeing Diana Taurasi in a Fenerbahce shirt.
Both players were integral to the success of the team that won four EuroLeague Women titles in a row, a streak that was stopped this season when Halcon Avenida beat Sparta&K in the Final.
The Vidnoje club did go further this season than most expected, including an upset of rivals UMMC Ekaterinburg in the Semi-Finals.
There were many reasons why Sparta&K did have a great season, though one that finished without a title.
They had continuity with coach Pokey Chatman, and several players that thrived in her system.
Some of those players will be back, including Irina Osipova, Sonja Petrovic, Jelena Milovanovic and Epiphanny Prince.
There will also be Marina Karpunina, who is recovering from a knee operation that kept her out all of last season, and the big signing of Marina Kuzina - a Russia international that Chatman is eager to coach.
"She believes in her so much," Costelas said.
There will also be the presence of rising 18-year-old Russian star Ksenia Tikhonenko, the niece of former men's Russia international Valeri Tikhonenko.
Time To Reload For Avenida
EuroLeague Women champions Halcon Avenida will have a different look when they run onto the floor next season.
|Powerful center Erika will be one of only two players Halcon Avenida will build their team around for 2012
Lynchpins Alba Torrens and Anke De Mondt have already reached agreement on moves to Galatasaray and Wisla Can-Pack Krakow, respectively.
Avenida coach Lucas Mondelo says more players are on the way out.
"Of the 11 players that have been here this year, nine will leave," he said.
"Some for superior offers, others because they want more minutes.
"Only (Marta) Xargay and (Erika) De Souza will remain with me.
"But this is the way business goes.
"We do not have one of the top 10 budgets in Europe, which gives an idea of the tremendous achievement we've had."
Avenida also won the Liga Femenina and the Supercopa Women in Spain.
"Now we start from zero, work towards making good signings, create a new project and in a few seasons, try to be in the condition to battle for every title.
"I'm not saying that we are not going to try next season, but we know that to win the EuroLeague, the Liga Femenina and the Spanish Supercopa was unthinkable, and next year it will be practically impossible.
"Next season we will try to fight for a national title. But we are aware that we have to construct a group.
"The team that just won the league and the EuroLeague is not created from one day to the next. It's a long process that now, with the departure of most of the group, it has ended.
"We have to start again. In this club, we know the financial limitations that we have. We cannot point on top class players. We need to search lower."
Who knows, even Mondelo may end up leaving.
"My desire is to remain here at least for a few seasons more," he said.
"Unless there is a very tempting offer, I will continue in Salamanca. I am comfortable here."
Mondelo, who will coach the Spain team at the U20 European Championship for Women, thinks there will be a big favorite for next season in Spain.
"I think Ros Casares will construct a group that will be fighting for all the titles," Mondelo said.


text:
Yes, there is such a thing as a free Picasso.
The Seattle Art Museum offers free admission the first Thursday of every month.
Other museums also have free entry on Thursdays as well as other designated days.
If you plan it right, you can get all cultured up without spending a dime.
One helpful site, www.free museumday.org, lists free and screaming deals in Seattle, Boston, Chicago, Los Angeles, New York, Portland and the San Francisco Bay Area.
Many of the local museums are free all the time, or ask only for donations.
Here's a list:
Snohomish County
- Blackman House Museum: 118 Ave. B, Snohomish; 360-568-5235. Noon to 3 p.m. Saturdays and Sundays; free but $5 donations accepted for guided tours.
- Edmonds Historical Museum: City Hall building, 118 Fifth Ave. N., Edmonds; 425-774-0900; www.historicedmonds.org. 1 to 4 p.m. Wednesdays through Sundays. Admission $5 for adults, $2 for students; group tours available.
- Flying Heritage Museum: 3407 109th St. SW, Everett (Paine Field); 206-342-4242; www.flyingheritage.com. 10 a.m. to 5 p.m. daily, Memorial Day through Labor Day; Tuesdays through Sundays the rest of the year. $8 to $12, free ages 5 and younger; group rates available; tickets at 877-342-3404.
- Future of Flight Aviation Center &Boeing Tour: 8415 Paine Field Blvd., Mukilteo; 425-438-8100, information and reservations at 800-464-1476; www.futureofflight.org. Open 8:30 a.m. to 5:30 p.m. daily. $12 to $18 through Sept. 30. Children must be 4 feet tall for tours.
- Granite Falls Historical Society Museum: 109 E. Union St., Granite Falls; 360-691-2603; www.gfhistory.org. Noon to 4 p.m. Sundays; free but donations accepted.
- Imagine Children's Museum: 1502 Wall St., Everett; 425-258-1006; www.imaginecm.org. 9 a.m. to 5 p.m. Tuesdays and Wednesdays, 10 a.m. to 5 p.m. Thursdays, Fridays and Saturdays, 11 a.m. to 5 p.m. Sundays. General admission $9; $4 for all ages from 3 to 5 p.m. Thursdays; free for those younger than 1.
- Lake Stevens Historical Museum: 1802 Main St., Lake Stevens; 425-334-3944. 1 to 4 p.m. Fridays and Saturdays. Group tours by appointment.
- Monroe Historical Society Museum: Old City Hall, 207 E. Main St., Monroe; 360-217-7223; www.monroehistoricalsociety.org. 11 a.m. to 3 p.m. Saturdays, 1 to 4 p.m. Mondays and Wednesdays. Donations accepted.
- Lynnwood, Heritage Park: 19921 Poplar Way, Lynnwood:
- Heritage Resource Center: 11 a.m. to 3 p.m. Tuesdays, Thursdays and Saturdays. Formerly superintendent's cottage and water tower, only surviving structures from Alderwood Manor Demonstration Farm. Moved to Heritage Park in 2003 and reopened in 2005 as resource center, 425-775-4694; www.alderwood.org.
- Wickers Building: The first general store and post office in Alderwood Manor, was moved to Heritage Park in 2003. Now South Snohomish County Visitor Information Center, 9 a.m. to 5 p.m. Mondays through Fridays, 9 a.m. to 3 p.m. Saturdays, 425-776-3977.
- Interurban Car 55: Car 55 is a 1909 Interurban single-ended wooden electric rail car that provided commuter service from Alderwood Manor to Seattle and Everett from 1910 to 1939. Tours 10 a.m. to 2 p.m. second and fourth Wednesdays and Saturdays June through August; by appointment September to May.
- Humble House: Original residence built in 1919. The park site's original residence was built in 1919. Now houses Sno-Isle Genealogical Society's genealogy research library. 11 a.m. to 3 p.m. Tuesdays, Thursdays and Saturdays; 425-775-6267.
- Stanwood Area History Museum: 27112 102nd Ave. NW, Stanwood; 360-629-6110; www.sahs-fncc.org. 1 to 4 p.m. Wednesdays, Fridays and Sundays; also by appointment; donations welcome.
- Stillaguamish Valley Pioneer Museum: 20722 67th Ave. NE, Arlington; 360-435-7289; www.stillymuseum.org. 1 to 4 p.m. Saturdays, Sundays and Wednesdays through October; check website for holiday closures; $2 and $5.
Skagit County
- La Conner Quilt &Textile Museum: Inside Gaches Mansion, 703 S. Second St., La Conner; 360-466-4288; www.laconnerquilts.com. 11 a.m. to 5 p.m. Wednesdays through Sundays; by appointment Mondays and Tuesdays; $5 for members, $7 for nonmembers; free ages 12 and younger.
- Skagit County Historical Museum: 501 S. Fourth St., La Conner; 360-466-3365; www.skagitcounty.net/museum. 11 a.m. to 5 p.m. Tuesdays through Sundays. $4 to $10; free ages 5 and younger.
- Burke Museum of Natural History &Culture: NE 45th Street and 17th Avenue NE, UW campus, Seattle; 206-543-5590; www.burkemuseum.org. 10 a.m. to 5 p.m. daily, 10 a.m. to 8 p.m. first Thursdays; closed July 4. $7.50 to $10; free for ages 4 and younger; first Thursday admission free for all.
- Children's Museum: 305 Harrison St., Seattle; 206-441-1768; www.thechildrensmuseum.org. 10 a.m. to 5 p.m. Mondays through Fridays, 10 a.m. to 6 p.m. Saturdays and Sundays; $7 to $8.25; younger than 1, free.
- Experience Music Project/Science Fiction Museum: 325 Fifth Ave. N., Seattle; 206-770-2700; www.empsfm.org. 10 a.m. to 5 p.m. daily through May 24. 10 a.m. to 7 p.m. daily May 24 through Sept. 3. $20, $17 students, seniors, military, free for ages 4 and younger. Online discounts available.
- Museum of History &Industry, known as MOHAI: 860 Terry Ave. N., in Lake Union Park, Seattle; 206-324-1126; www.mohai.org. Free admission the first Thursday of the month.Museum of Flight: 9404 E. Marginal Way S., Seattle; 206-764-5720; www.museumofflight.org. 10 a.m. to 5 p.m. daily, 10 .m. to 9 p.m. first Thursdays (free after 5 p.m. first Thursdays); $8 to $18; free ages 4 and younger.
- Nordic Heritage Museum: 3014 NW 67th St., Seattle; 206-789-5707; www.nordicmuseum.org. 10 a.m. to 4 p.m. Tuesdays through Saturdays, noon to 4 p.m. Sundays; $4 to $6; free ages 5 and younger.
- Pacific Science Center: 200 Second Ave. N., Seattle; 206-443-2001; www.pacificsciencecenter.org. Spring hours, 10 a.m. to 5 p.m. Mondays through Fridays, 10 a.m. to 6 p.m. Saturdays and Sundays. $9 to $16, free ages 2 and younger. Imax film costs are separate from admission, $6 to $14.25.
- Seattle Aquarium: 1483 Alaskan Way, Seattle; 206-386-4300; www.seattleaquarium.org. 9:30 a.m. to 5 p.m. daily. $13.95 and $19.95; free for 3 and younger.
- Seattle Art Museum: 1300 First Ave., Seattle; 206-654-3100; www.seattleartmuseum.org. Free admission the first Thursday of the month. Free on the first Friday of the month for ages 62 and older. On the second Friday of the month, teens ages 13 to 19 get in free from 5 to 9 p.m.
- Seattle Asian Art Museum: 1400 E. Prospect St., Volunteer Park, Seattle; 206-654-3100; www.seattleartmuseum.org/visit/visitsaam.asp. Free admission the first Thursday of the month. Free on the first Friday of the month for seniors 62 and older. Free on the first Saturday of the month for families. Second Thursday of the month, free from 5 to 9 p.m.
- Volunteer Park Conservatory: 1400 E. Galer St., Seattle; 206-684-4743; www.seattle.gov/parks/parkspaces/VolunteerPark/conservatory.htm. Free admission the first Thursday and Saturday of the month.
- Northwest Railway Museum: Depot at 38625 SE King St., Snoqualmie; 425-888-3030; www.trainmuseum.org. 10 a.m. to 5 p.m. daily; closed Thanksgiving, Christmas Day and New Year's Day; free admission.


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dhcpy6d delivers IPv6 addresses for DHCPv6 clients, which can be identified by DUID, hostname, or MAC address, as in the good old IPv4 days. Addresses may be generated randomly, by range, or by arbitrary ID or MAC address. Clients can get more than one address, leases and client configuration can be stored in databases, and DNS can be updated dynamically.
An image processing component.
A Java framework for building data integration and ETL applications.


text:
2 © - All content copyright Vital Network Ltd, not to be reproduced without explicit permission Copyright Issues
Cookie Policy
At Vital Football, we along with most other modern websites use small files called 'cookies' to create the most secure, effective and functional website possible for our users. Without these files our business model, based on advertising, breaks down and we would be unable to continue to provide the services that you are here to utilise. By continuing to use this website after seeing this message, you consent to our use of cookies on this device unless you have disabled them. For full details please read our Cookie Policy which can be found here. However, if you would like to disable cookies on this device, please view our Cookie Policy which contains an opt-out tool for disabling advertising cookies. Please also visit our information pages on 'How to manage cookies' if you would also like to block all other types of cookies. Please be aware that parts of this site will not function correctly if you disable cookies.


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The scout-style tents in our new Worthy View pre-erected camp site (a short walk up the hill from the main Festival site) are a modern, roomier version of a design classic, which were manufactured especially for Glastonbury Festival by BCT Outdoors, a British tent company who've been making quality tents for over 100 years.
The tents designed by the Yorkshire company to withstand the vagaries of the British weather, have been especially commissioned not to contain external guy ropes so that people can return to their tents in the dark without the danger of tripping over them.
The idea behind these tents came from Glastonbury organiser Michael Eavis as a way to cut down on the amount of camping equipment which in the past has been abandoned at the end of the Festival. These tents will be able to be re-used year on year. Michael travelled up to BCT's Yorkshire factory to see Glastonbury's 1,000 tents being made, and even tried his hand at sewing one.
Scout-style tents at Worthy View cost £250 for 5 nights. They accommodate 2 people (or a cosy squeeze for 3) and you can book them online now.


text: The Top Fin goldfish starter kit includes such necessities as a carbon filter, goldfish flake food, water conditioner to remove chlorine from the water, a cover with a twin lamps, etc. The Top Fin filter has cartridges that should be replaced monthly, but the cartridges are easy to replace and one does not need to empty the whole tank to replace the filter cartridges. The filter lifts right off the back of the tank, which makes for an easy filter change and cleaning, and as long as one remembers to rotate the water out gradually and periodically, then one should be able to avoid having to clean the entire tank for a good long while. A regular vacuuming of the gravel with an aquarium vacuum will also prolong the life of the aquarium as it removes a good deal of the composing waste and uneaten food.


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Revision [21739]
This is an old revision of FrequentlyAskedQuestions made by darkcity on 2012-06-04 15:42:36.
Frequently Asked Question (FAQ)
How is Puppy used?
How does Puppy work?
What are the system requirements (minimum)?
People have succeeded in running Puppy with a 333MHz CPU and 64MB RAM. To be comfortable 256MB RAM and a 512MB swap file is better. Also see, Minimum System Requirements and Barebones.
How is Puppy organised?
We are an Emergent Doacracy
How do I create a Puppy disc from Windows?
Download the latest ISO and use BurnCDCC
Flash tutorial
Flash tutorial
Please help - I am a beginner
How do I setup a wireless connection?
Is WINE available?
Yes, see WINE page
Where can one get the latest version of Adobe Flash Player for Linux?
How secure is Puppy?
Which office productivity suites are available?
Please tell me how to upgrade/install Opera/SeaMonkey/Firefox/Chrome?
Which is the method of upgrading/installing software?
How does one compile programs in Puppy?
I want to adjust the software selection of a live DVD/USB
I need the latest video drivers!
Help me create desktop icons and modify Puppys appearance
How does an automatically at boot-up partition to mount work?
Can I access a Windows NTFS partition?
Update the NTFS-3G driver
How can I boot Puppy over a LAN with NO Media?
Whats with all the doggie talk?
Communities attempt at humour, see BowWow
How can I create a page on the Wiki?
You must be registered then see How to create page
How can I do so and so on the Wiki?
See Wiki Index
Where does one get more answers?


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|Evanthia Maltsi has signed a deal with EuroCup Women runners-up Kayseri Kaskispor for the 2012-13 campaign
By Jeff Taylor
The most famous player ever to wear the Greek women's national team jersey, Evanthia Maltsi, has clinched a move to Kayseri Kaskispor.
The 2009 EuroBasket Women MVP's signing by the Turkish club has been confirmed by the agency that represents her, Prodep International.
A 1.80 m shooting guard/small forward, Maltsi has played several seasons in the EuroLeague Women.
Having turned out for Bourges and Ros Casares, she was a standout at USK Prague for three years before joining CCC Polkowice last summer.
With the Polish club this season, Maltsi averaged 12.6 points and 3.9 rebounds in the EuroLeague Women, helping the outfit reach the Second Round.
Polkowice were runners-up to Wisla Can-Pack Krakow in the Polish play-off championship.
Kayseri, runners-up in the EuroCup Women this season, have designs on challenging Fenerbahce and Galatasaray for Turkish league supremacy.
The club had already signed former Rivas Ecopolis star Asjha Jones, the MVP of the 2012 EuroLeague Women Final Eight.
One of Sparta&K M.R. Vidnoje's leading players, Seimone Augustus, will be with the Russian club again next season.
The American, less than three months away from playing for the United States at her second straight Olympics, has penned an extension.
When asked about the length of the contract, Sparta&K general manager Steve Costalas said: "If it is one or two years is clearly between the two parties and only if we want and agree, we will divulge more."
Sparta&K recently signed Spanish veteran Elisa Aguilar, a leading player at Rivas Ecopolis the past two seasons.
"We are very lucky to be able and sign a player who within all her other many accomplishments, just recently led her team to the EuroLeague Women Final game," Costalas said.
"Of course, we signed Elisa because she is a great leader off and on the court but by bringing her into our family, we are also hoping that she will also be a teacher to Nika Baric just as she has been for many other young Spanish point guards."
Slovenian international Baric was the FIBA Europe Young Women's Player of the Year in 2010. She just completed her first season with Sparta&K.
|Ukraine international Olexandra Kurasova joins Rivas Ecopolis.
Former Perfumerias Avenida forward Olexandra Kurasova has decided to return to Spain for the second time in her career.
The Ukraine international has signed for Rivas Ecopolis.
The 26-year-old Kurasova had a second stint with UNIQA Euroleasing Sopron this year and averaged 11.2 points and 4.1 rebounds in the EuroLeague Women.
She is the second former Sopron star to join Rivas in the close season, with Katalin Honti having moved to the Madrid team from Ros Casares.
Tijana Krivacevic also left Sopron in the middle of the 2011-12 campaign and penned a deal with Rivas.
Polish international Magdalena Leciejewska has signed for CCC Polkowice, the club has announced.
The 1.91 m power forward spent the last two campaigns with Polish champions Wisla Can-Pack Krakow.
She battled back from a serious knee injury to make eight appearances in the EuroLeague Women with Wisla, averaging 8.8 minutes.
"We wanted to obtain Magda because she is an experienced, versatile player with great potential," said Polkowice club president Krzysztof Korsak.
"I am pleased that she will play for our club."
Polkowice lost to Wisla in the Polish league Finals.


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GCompris is an educational software suite with numerous activities for children aged 2 to 10. Some of the activities are game-orientated, but nonetheless still educational. These include computer discovery (keyboard, mouse, different mouse gestures), algebra (table memory, enumeration, double entry table, mirror image), science (the canal lock, the water cycle, the submarine, electric simulation), geography (place the country on the map), games (chess, memory, connect 4, oware, sudoku), reading practice, and others (learn to tell time, puzzles of famous paintings, vector drawing, cartoon making, etc.). It currently offers in excess of 100 activities, and more are being developed.
KaGez-Production aims to make game developing under Linux easier. Tutorials and examples, reaching from simple console applications (non- graphical) to OpenGL games, are available, as well as tools like Image-Viewers, and 3D-Model viewers. All applications will be made for Linux only, most graphical items will work with GTK+/GNOME.
Data synchronization, replication, and transformation software.
A simple form-to-email script.


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Nutrafin Max Betta Food provides a complete, balanced diet for Betta fish. Enriched with R.A.P. (Red Algae Pigment), a natural ingredient that improves the overall well-being of fish while enhancing fish colours.
A reasonable quality betta food. One of the better betta flakes I've tried. Brings out the colors of bettas with red coloring.------------------------------75G Planted Blue Themed Community Tank:
Neon Tetras, Blue Platties, Blue Guppies, Blue Snails, & a pleco
with 4 hang off breeder tanks for Blue/Red Platty Project
Very good price I bought it for about 5 dollars canadian. Also it brings out the colours in the fish.------------------------------"Great spirits have often encountered violent opposition from weak minds." -Albert Einstein


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January 15, 2011 at 10am to December 31, 2013 at 10am – North Austin Doubles Play Require RSVP Organized by janet Q | Type: meet, up, for, doubles
May 8, 2011 at 12:30pm to October 4, 2015 at 12:30pm – Montreal , Quebec, Canada Our Sunday Social Mixed Doubles Tennis events begin on May 08th starting at 12:30 pm. Location: The Lachine Tennis Club. Cost $8 for 2 hours of tennis including the instructor. Tennis balls are suppl… Organized by James | Type: friendly, mixed, doubles
August 9, 2011 to August 31, 2012 – Spanish Trail I live in Las Vegas Spring Valley area. Rainbow and Tropicana are my cross streets. 5 min West from the Las Vegas strp. Organized by 4.0 Tennis Player | Type: please, call, so, i, can, work, around, your, schedule., my, hours, are, flexible
July 1, 2012 to September 1, 2012 – Chicago USTA FlexLeague is coming to Chicago Western Suburbs. Registration is open until June 24th and season starts on July 1st. Participation fee is $35 and $25 if you are USTA member. For questions, pleas… Organized by Dace Lilo | Type: league
July 9, 2012 to August 18, 2012 – McNary High School - Keizer, OR The Keizer Tennis Association offers low-cost (and some scholarships, too) tennis camps for kids and lessons for adults. Organized by | Type: camps/clinics
© 2018 Created by Mark / The Mayor. Powered by


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Chekitan S. Dev; Laure Mougeot Stroock
|Format: PDF
|Also Available In:
|English Hardcopy Black & White English Audio MP3 Spanish PDF Spanish Hardcopy Black & White Portuguese PDF Portuguese Hardcopy Black & White Japanese PDF Japanese Hardcopy Black & White
|List Price: $7.46
|Source: HBS Brief Cases
|Publication Date: Jun 15, 2007
|Product #: 2087-PDF-ENG
|Discipline: Marketing
|Length: 13 p, English PDF
When students have the English-language PDF of this Brief Case in a coursepack, they will also have the option to purchase an audio version.
Rosewood Hotels & Resorts, a small luxury private hotel management firm running a collection of 12 individually branded hotels and resorts in multiple countries, was wondering how to foster customer retention and loyalty and capture the maximum value from its 115,000 guests. Rosewood had always allowed each hotel to stand as its own individual brand, with the Rosewood name presented as a muted sub-brand, if at all. Now Rosewood's new leadership was contemplating whether the firm should significantly increase the prominence of the corporate identity, making Rosewood a corporate brand. The main challenge that Rosewood's executives face is to assess whether the potential economic benefits from increased guest retention can outweigh the $1,000,000 marketing investment needed to implement the corporate branding strategy. The central focus is a quantitative assignment that asks students to calculate how customer lifetime value would be affected by a shift from individual branding to corporate branding.
To understand the concept of customer lifetime value (CLTV) and the importance of maximizing a customer's lifetime value for the firm; learn the components of customer lifetime value and how each component can be estimated; calculate customer lifetime value based on a combination of financial and non-financial data; and explore risks and opportunities associated with corporate branding vs. the branding of individual products.
Brand management; Brands; Customer retention; Quantitative analysis
Rosewood Hotels and Resorts: Branding to Increase Customer Profitability and Lifetime Value, Spreadsheet Supplement
Chekitan S. Dev; Laure Mougeot Stroock
Published Jun 15, 2007
|Harvard Business School
|English Microsoft Excel Spreadsheet
To be used with (2088). Download only.


text: Track history: One of the oldest tracks on the Cup circuit, Martinsville Speedway opened as a half-mile dirt track in 1947 with only 750 seats. The track hosted one of 8 races held in the 1949 "Strictly Stock" series which eventually became the NASCAR Cup series. Today, Martinsville seats 91,000 and has 25 corporate suites. The Virginia track, paved in 1955, is a flat paperclip shaped half-mile oval, which is tough on drivers, brakes and sheet metal. Most of the passing is done by shoving someone out of your way. This usually causes some payback, but "that's racin' on a short track". Since it doesn't take long before the leaders catch the end of the field, they're coming up on some cars that don't want to go down a lap. That's when it really gets hairy. These guys at the rear are usually not handling very well already, but now they'll overdrive the cars to stay ahead of the leaders. Martinsville is a lot different from the half-mile Bristol Motor Speedway, which is high-banked and totally concrete. Martinsville is flatter, with longer 800-foot asphalt straights, and a concrete surface, added in 1976, throughout the turns. At .526 miles, it is also Sprint Cup's shortest track.September 25, 1949: Curtis Turner, in his No. 41 Frank Christian-owned 1949 Oldsmobile, led a field of 15 cars to the green flag of the 1949 Strictly Stock race on the 1/2 mile dirt oval track. Turner led 18 laps and finished ninth. Red Byron started the No. 22 Parks Novelty Oldsmobile third in the lineup, led 97 of the 200 lap race, and finished three laps ahead of second place, Lee Petty. Byron earned $1,500 for the win. He won two races in the eight-race season and became the 1949 series champion.April 1, 2012: Ryan Newman won the Goody's Fast Relief 500 from a fifth place start. It was the No. 39 Chevrolet driver's first victory of 2012 and first at Martinsville Speedway. Drivers leading 10 or more laps: Race-winner Newman 12 laps; No. 29 Kevin Harvick 21 laps, finished 19th; No. 11 Denny Hamlin 31 laps, finished sixth; No. 48 Jimmie Johnson 111 laps, finished 12th and No. 24 Jeff Gordon led the most laps (329 of 515) and finished 14th. Pole-sitter No. 5 Kasey Kahne never led a lap, had a blown engine at the half-way point of the race and was credited with a 38th place finish.October 28, 2012: Jimmie Johnson won the Tums Fast Relief 500 from the pole. It was the No. 48 Chevrolet driver's fourth victory in 2012 and his seventh in 22 races at Martinsville Speedway. Drivers leading 10 or more laps: No. 11 Denny Hamlin 12 laps, finished 33rd; No. 5 Kasey Kahne 12 laps, finished third; No. 55 Brian Vickers 27 laps, finished eighth; No. 24 Jeff Gordon 92 laps, finished seventh; No. 15 Clint Bowyer 154 laps, finished fifth; and Race-winner Johnson led the most laps (193 of 500).Track Quick Facts (courtesy NASCAR Media):Last five winners: Denny Hamlin 10/24/10, Kevin Harvick 4/3/11, Tony Stewart 10/30/11, Ryan Newman 4/1/12 and Jimmie Johnson 10/28/12.First Cup start here (Active drivers): Mike Skinner 4/27/86, Stacy Compton 4/21/96, Mike Bliss 9/27/98, Travis Kvapil 10/24/04, Michael McDowell 3/30/08 and Scott Speed 10/19/08.First Cup pole: Kenny Wallace 4/20/97, Tony Stewart 4/18/99 and Scott Riggs 4/10/05.First Cup win: Geoff Bodine 4/29/84.Fantasy games won't allow you to pick all track favorites so Mid-Pack Attack is here to help. A mid-packer may not win the race but has as good a shot at a top 20 finish as track favorites Jeff Gordon, Jimmie Johnson, Brad Keselowski and Tony Stewart (Denny Hamlin would be another but he is sidelined with a back injury for the next few weeks). There were 44 cars on the preliminary entry list for Sunday's STP Gas Booster 500 in Martinsville, Virginia.A very good friend on Florida's east coast reminded me that picking mid-packers at Martinsville should be done with a dart board and a blindfold. Sifting thru track favorites is tough enough at the unpredictable short track. Now that the top 15 in the 2013 NSCS driver points is a lot more stable, Mid-Pack Attack returns to its practice of not picking track favorites or any drivers currently in the top 15. All that being said, here are our best guesses for this weekend.Mid-Pack picksMartin Truex Jr. has a new attitude towards Martinsville Speedway. This week he said: "I used to think it was one of my toughest tracks, but since joining MWR, I feel like we've always been a contender." Since he started driving for Michael Waltrip Racing in 2010, he scored his three best finishes (fifth, eight and fifth); all in the last six races at the track. Also, running as high as third in both Martinsville races last season, Truex was a contender for the win. We think he'll keep that trend going this weekend. Look for at least a top 20 from the No. 15 Toyota Camry this weekend.Aric Almirola struggled in his first six trips to the paperclip track with a best finish of 20th. He showed a big improvement in 2012; logging an eighth place in this race followed up by a fourth last fall. Almirola piloted a Camping World Truck around the short track in five races earning an 11.4 average finish. This week, he has a big incentive to go for the victory in the STP Gas Booster 500. He'll be driving The King's No. 43 STP Ford. The paint scheme commemorates Richard Petty's long-time relationship with the sponsor (since 1972 at Riverside). Find a spot for Almirola on your fantasy roster.Ryan Newman is the defending race winner but is not considered a track favorite. He was in the right place at the right time during the two Green-White-Checker cycles at the end of the April 2012 race. The leaders either ran out of gas or wrecked each other during those 15 laps and Newman took advantage for his first career win at the track. He does have six top-10s in his last eight starts at the speedway. NASCAR Statistics ranks Newman at the top of their "Closers" category for the last 16 Martinsville races. He has gained 47 positions in the final 10 percent of those events. We think the No. 39 Chevrolet SS will be up front at the end again on Sunday.Our last "dart" found Nationwide Series regular and Sprint Cup part-timer Brian Vickers for our last pick. Driving a part-time Cup schedule has proven to be a good move. He was hired to drive the No. 55 in eight races in 2012 including the short-track races at Bristol, Martinsville and Loudon, New Hampshire. He finished fifth in his first race of the season at Bristol. He led 158 laps in those races– more than he led in his previous three full-time seasons. He just missed the pole at Martinsville (started second) in the fall of 2012. He led 37 laps and finished eighth. He already finished eighth this year at Bristol, so, when it's his turn in the No. 55 Toyota, give Vickers some serious consideration at any venue for a spot on your team.


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Finding your home in Jarrettsville, MarylandTucked away in the upper corner of Harford County lies the city of Jarrettsville. This best kept secret in the state of Maryland is located just north of Baltimore, and is filled with gorgeous houses, luscious green lawns, and heaps of small town charm. With places like Rocks State Park, a thriving recreation complex, local eateries, and amazing scenery, Jarrettsville is a place you will never want to leave. In fact, you just might start wanting to call Maryland's hidden gem home sweet home.
Get ready to call Jarrettsville home
Maryland's best kept secret can now be yours
Make the move to Jarrettsville today!
Earnest can ease your homebuying worries
Common Questions About Buying a Home in Jarrettsville
All The Answers You Need to Settle Down Sooner
Should I choose a fixed or adjustable rate?
It depends how long you expect to stay in the home. Adjustable rates are good for people who may not be in the home long, whereas fixed rates are ideal for people who are confident of settling in.
Do I need a home appraisal?
Probably—in most cases, the homebuyer must use an appraiser to evaluate the value of the home. Appraisal costs vary depending on the value of the property, as well as the state the house is in. Buyers cannot choose their own appraiser—the bank makes the decision.
What is PMI?
Private mortgage insurance (PMI) is required when a homebuyer makes a down payment of less than 20%, or when a borrower refinances with less than 20% equity in the home. PMI fees vary according to your down payment and credit score, and adds a premium to your monthly mortgage payment. Please note, PMI is tax-deductible in 2015 and 2016 for certain income brackets.
What does Loan-to-Value mean?
Loan-to-Value (LTV) is the percentage of your home's value that your loan represents. When refinancing, the calculation is simply the loan amount divided by the appraised value. When buying a home, the LTV is found by dividing by either the purchase price or appraised amount, whichever is lower. When the LTV is less than 80%, the lender generally requires PMI.
For example:
Purchase price: $100,000
Down payment: $15,000
Loan amount: $85,000
Appraised value: $110,000
What are closing costs?
Closing costs are standard fees associated with a real estate transaction. You will typically pay about 2-5% of the purchase price in closing costs—the exact amount depends on where you are buying (or refinancing), as well as number of extra fees involved in your particular transaction. Earnest charges no lender fees, so the borrower is only responsible for 3rd-party fees.
What should I consider before refinancing my mortgage?
Refinancing your home loan is an attractive option when rates are low. A simple rate and term refinance can help you lower your monthly payment and potentially eliminate your PMI premium, as long as you have built up enough equity in the home. You might also use a cash-out refinance to access some of the equity you've built up in the home (which may result in a higher monthly payment on your new loan).
However, keep in mind that refinancing a mortgage does involve several fees (closing costs). Before refinancing, you should calculate the 'break-even' point at which your refinanced loan makes up for the closing costs. If you plan to leave your home before this time, it's better to stay with your current mortgage.
Knowledge Is (Buying) Power
Further Resources from the Earnest Blog


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What does COOL mean in Funnies?
This page is about the meanings of the acronym/abbreviation/shorthand COOL in the Miscellaneous field in general and in the Funnies terminology in particular.
Constipated Overrated Outtastyle Loser
Find a translation for COOL in other languages:
Select another language:
What does COOL mean?
- cool(noun)
- the quality of being at a refreshingly low temperature
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The following are the most common symptoms of multiple pregnancy. However, each woman may experience symptoms differently. Symptoms of multiple pregnancy may include:
Many women suspect they are pregnant with more than one baby, especially if they have been pregnant before. Diagnosis of multiple fetuses may be made early in pregnancy, especially if reproductive technologies have been used. In addition to a complete medical history and physical examination, diagnosis may be made by:
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Online Resources of Pregnancy & Childbirth