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Full article, including charts (170 KB, 3 pages)
The Federal Reserve Board, the Office of the Comptroller of the Currency, and the Federal Deposit Insurance Corporation jointly issued a final rule, effective October 10, 1997, that adopted uniform regulations implementing section 109 of the Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994 (Interstate Act). 1
The Interstate Act allows banks to branch across state lines. Section 109, however, prohibits any bank from establishing or acquiring a branch or branches outside of its home state, pursuant to the Interstate Act, primarily for the purpose of deposit production. Congress enacted section 109 to ensure that interstate branches would not take deposits from a community without the bank reasonably helping to meet the credit needs of that community.
Subsequently, Section 106 of the Gramm-Leach-Bliley Act of 1999 amended section 109 by changing the definition of an "interstate branch" to include any branch of a bank controlled by an out-of-state bank holding company. Interagency regulations implementing this amendment became effective October 1, 2002. 2
The language of Section 109 and its legislative history make clear that the agencies are to administer section 109 without imposing additional regulatory burden on banks. Consequently, the agencies' regulations do not impose additional data reporting requirements nor do they require a bank to produce, or assist in producing, relevant data.
The Two-Step Test
Beginning no earlier than one
year after a covered interstate branch is acquired or established, the agency
will determine whether a bank is complying with the provisions of section 109.
Section 109 provides a two-step test for determining compliance with the
prohibition against interstate deposit production offices.
1. Loan-to-deposit ratio. The first step involves a loan-to-deposit (LTD) ratio, which is designed to measure the lending and deposit activities of covered interstate branches. The LTD ratio compares the bank's statewide LTD ratio in the host state to the host state LTD ratio. If the bank's statewide LTD ratio is at least one-half of the relevant host state LTD ratio, the bank passes the section 109 evaluation and no further review is required. Host state ratios are prepared and made public by the agencies annually.
2. Credit needs determination. The second step — a credit needs determination — is conducted if a bank fails the LTD ratio test or if the LTD ratio cannot be calculated due to insufficient data or data that is not reasonably available. This step requires the examiner to review the activities of the bank, such as its lending activity and performance under CRA, to determine whether the bank is reasonably helping to meet the credit needs of the communities served by the bank in the host state. Banks may provide the examiner with any relevant information, including loan data, if a credit needs determination is performed.
Although Section 109 specifically requires the examiner to consider a bank's CRA rating when making a credit needs determination, a bank's CRA rating should not be the only factor considered. However, since most of the other factors are taken into account as part of a bank's performance context under CRA, it is expected that banks with a satisfactory or better CRA rating will receive a favorable credit needs determination. Banks with a less than satisfactory CRA rating may receive an adverse credit needs determination unless mitigated by the other factors enumerated in section 109. To ensure consistency, compliance with section 109 should be reviewed in conjunction with the evaluation of a bank's CRA performance.
Practical Examples of Section 109 Application. The following charts contain examples of interstate branches that would be subject to Section 109. 3
Example 1: Bank with BranchesOutside of its Home State (15 KB, 1 page)
In Example 1, Bank A is an interstate bank with branches in Pennsylvania established or acquired under the Interstate Act. Bank A's home state is New York and its host state for the Pennsylvania branches is Pennsylvania. The Pennsylvania branches are covered interstate branches subject to the section 109 review. Bank A's statewide loan-to-deposit (LTD) ratio in Pennsylvania will be compared to the host state LTD ratio for Pennsylvania.
Example 2: Bank, Consisting Only of a Main Office, Controlled by an Out-of-State BankHolding Company (16 KB, 1 page)
In Example 2, Banks B and C are both controlled by a BHC whose home state is New York. Bank B is an intrastate bank and is not subject to the section 109 review.
Bank C's home state is Connecticut and it is subject to the section 109 review because it is controlled by an out-of-state BHC whose home state is New York. Bank C's statewide LTD ratio in Connecticut will be compared to the host state LTD ratio for Connecticut.
Example 3: Covered InterstateBranches Under a Multi-Tiered Bank Holding Company Structure (17 KB, 1 page)
Example 3 illustrates the requirement to look to the top tier BHC when determining whether to conduct a section 109 review. Banks D, E, F, and G are all controlled by a top-tier BHC whose home state is New York.
Out-of-State BHC:
Banks D and G are subject to
section 109 reviews because an out-of-state top tier BHC controls both of them.
Bank D's home state is Pennsylvania; its statewide LTD ratio in Pennsylvania
will be compared to the host state LTD for Pennsylvania. Bank G's home state is
Connecticut; its statewide LTD ratio in Connecticut will be compared to the
host state LTD ratio for Connecticut.
Out-of-State Branches:
Bank G's branches in New
York also are also subject to the section 109 review because Bank G is an
interstate bank. Bank G's home state is Connecticut; its statewide LTD ratio in
New York will be compared to the host state LTD ratio for New York.
Bank F's branches in Pennsylvania are also subject to the section 109 review because Bank F's home state is New York; its statewide LTD ratio in Pennsylvania will be compared to the host state LTD ratio for Pennsylvania.
Not Subject to Section 109 Review:
Bank E is owned by a BHC headquartered in another state, its top tier BHC is
headquartered in the same state as Bank E. Therefore, Bank E is not subject to
review for section 109 compliance because an out-of-state BHC does not control
it and it does not have interstate branches.
Please contact your primary regulator with any questions about section 109 of the Interstate Act. If you are supervised by the Federal Reserve Bank of Philadelphia, please contact Constance Wallgren through the Regulations Assistance Line at (215) 574-6568.
The views expressed in this article are those of the author and are not necessarily those of this Reserve Bank or the Federal Reserve System.


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subset: commoncrawl


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Question: What's the first thing an innkeeper does when there is no one at the Inn?
Answer: Why go out for breakfast, of course!
And so we found ourselves in just that situation earlier this week.
The first morning without guests is always a treat. The days leading up to Christmas, before the hubbub of the approaching holidays and the dawning of a new year, is the beginning of the quiet season. I always look forward to the first morning after a busy season that I can pad upstairs in my slippers to have a quiet cup of coffee and read the local paper without having to worry about guests catching me in my pajamas.
The sun shone brightly on a crystal clear December morn, and outside our kitchen window the dunes glistened in the distance. I could just make out Cape Cod Bay through the trees. Satisfied that the Inn was all decorated for the season, my Christmas cards stamped and in the mail to friends and family, and gifts ready to be wrapped awaiting me in the closet, I felt a certain satisfaction.
When Rich appeared on the scene, I suggested trying a new place for breakfast the I read about recently on Facebook. Located at the airport in Chatham, the Hanger B Eatery sounded like just our cup of tea. With only a few tables and a bevy of private planes parked on the tarmac that surrounds the hanger itself, it seemed the perfect spot for such a sparkling morning.
Chef Brian Erskine, formerly of the Chatham Bars Inn, opened the breakfast and lunch eatery in April of this year. Everything he serves is made from scratch, including biscuits, scones, donuts, and jams, and sourced locally. A proponent of the "Buy Fresh Buy Local Cape Cod" movement, chef Erskine prides himself on using only the freshest of ingredients including locally roasted coffee.
Having heard that his Eggs Benedict was a real hit, I expected Rich to go that route, but instead he chose the red flannel hash and declared it "a pleasant departure from the norm due in no small part to the fresh beets, bacon, and delicate horseradish crème fraiche". I eyed the lemon ricotta pancakes, but in the end opted for the breakfast sandwich, which was served with roasted tomatoes, avocado, arugula, and scrambled eggs with cheese atop a grilled croissant. The roasted tomatoes made for an unexpected earthy flavor.
The setting is quite homey with a bit of a funky twist due to its location at the airport. With fewer than 10 tables and an open kitchen, we felt instantly a part of the Hanger B family, and chatted amicably with the private pilot next to us, who had flown up from Hartford especially for breakfast. That's quite an endorsement.
We watched a number of small planes take off and land while we were there, which reminded me of a favorite Saturday morning TV show from my youth (you remember "Sky King" don't you?!). Cape Aerial Tours, located below the eatery at the Chatham Airport, offers two scenic flight itineraries of the lower and outer Cape for a very reasonable rate. Rich lobbied quite hard to take one of the tours after breakfast, but with gifts to wrap at home I lobbied equally as hard to save it for another day.
Secretly I wanted an excuse to come back and try the lemon ricotta pancakes as soon as possible.
Hanger B Eatery is open for breakfast and lunch, Wednesday through Sunday from 7 AM to 2 PM. 240 George Ryder Road at the Chatham Airport.


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Christopher Currier has been named partner at Partridge Snow & Hahn LLP, where he serves as chair of the firm's commercial-lending practice area. Currier focuses his practice on commercial lending, commercial workouts, real estate and business law. He holds a J.D. from Syracuse University College of Law. •
Tuesday, March 21
5 days ago
Yesterday at 12:15 PM


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Childish Gambino, the nom-de-rap of Community's Donald Glover, is sure to be written off as some vanity project like Keanu Reeves' band, or Rony Seikaly's DJ career. But that would be a terrible mistake: Glover can really rap, probably better than 3/4 of the most recent Freshman 10 in XXL. Watch this and marvel. Glover is putting out a mixtape soon, which explains why this song got this performance-heavy clip. Seriously though; way better than you would ever imagine.
La Sera - "Devils Hearts Grow Old" (Video) | Lil B Freestyle (Live On Pitchfork TV's Selector) (Video) |
wish Abed was in this video though. Actually, scratch that. Where's Annie at??


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Top Definition
to act or be anything like the arabic terrorists anywhere in the world, or just any douchebag arab anywhere.
dude, that guy was being all rabtastic yesterday, then he blew himself up
quit being rabtastic you douchebag
quit being rabtastic you douchebag
by capt. jew
January 17, 2008
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View Liz Berg's profile |
Fist-pumping, air-drumming freeform mayhem. Caffeinated rock, experimental pop, oddball beats, and novelties.
Also available as an MP3 podcast. More info at our Podcast Central page.
<-- Previous playlist | Back to Liz Berg playlists | Next playlist -->
Listener comments! | |
Mon. 12/7/09 12:05pm
dc pat:
Mon. 12/7/09 12:05pm
another year with nuthin to do | |
Mon. 12/7/09 12:22pm
Liz B.:
Hey everyone, opening up with weird and unsettled, to mirror my feelings about the seasonal change upon us. | |
Mon. 12/7/09 12:25pm
Hey there, Liz. "Unsettled" is the perfect word. | |
Mon. 12/7/09 12:26pm
Inanimate Object:
Fits the current position of the sun perfectly | |
Mon. 12/7/09 12:35pm
north guinea hills:
'Tis a shame about Jack Rose...... | |
Mon. 12/7/09 12:36pm
Concerned Listener:
only 38? | |
Mon. 12/7/09 12:39pm
north guinea hills:
yeah, only 38. but he lived rather hard. | |
Mon. 12/7/09 12:40pm
Yes, what terrible news, NGH. Sigh. | |
Mon. 12/7/09 12:49pm
north guinea hills:
Is the Earthling Tempel album a nod to the Angus MacLise's posthumous album (and poetry)? | |
Mon. 12/7/09 1:41pm
Aw, I was going to post about Jack Rose. I'm so sad. I missed him a couple of times live...and I loved his music. Might we hear some? | |
Mon. 12/7/09 1:58pm
hello from the grey land of ubu..... | |
Mon. 12/7/09 2:04pm
Hello all! I am happy to say that I am now a proud owner of The Ethel Merman Disco Album. Actually, I picked it up for a Yankee gift swap. Boy, won't they be surprised. | |
Mon. 12/7/09 2:07pm
Liz B.:
Hi Marty, hung out with some post-Clevelanders this weekend! FMS, the Ethel Merman Disco LP is the ultimate gift this holiday season! | |
Mon. 12/7/09 2:59pm
Jay from Scotland:
the show's over????!! What time is it? | |
Mon. 12/7/09 11:32pm
Ras Being Aquarian:
Hi North Guinea Hills. I play in Earthling Tempel. We are all into Angus Maclise for sure! The title of the disc is a play on/homage to Ira Cohen's movie, "Invasion of Thunderbolt Pagoda". We wanted to visit those same energies/currents and see what shape they took these days. | |
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What I'll Tell You At the Bar: The Bay doesn't make it out into the deep waters it seeks, but it doesn't drown in the shallows either. B-
What I Really Think: I went on a family trip to Green Bay, Wisconsin, last weekend. On our way to dinner one night we drove over the Highway 54 bridge, which spans the Fox River. The Fox River flows out into Green Bay and eventually is carried out into Lake Michigan. I happened to look out the window as we crossed the river and took a long look upstream toward the southwest. The river was dotted with a few small marinas and individual docks, but mostly the shore was dominated by looming mining companies and a large paper mill. I suppose there is nothing inherently dangerous about either of these industries, but I couldn't help but wonder when it was that we, as a civilization, thought it was a good idea to build huge industrial facilities next to the resource that all life depends upon.
This feeling also lies at the heart of The Bay, an eco-horror film that is now available on-demand and on DVD.
The Bay centers around a large industrial facility under investigation for polluting the Chesapeake Bay with toxic substances. As a couple of scientists discover the havoc caused by the pollution, the end-result of that pollution begins to wreak havoc on a coastal town about to celebrate the opening of tourist season. You know, like Jaws.
When bacteria attack! |
Initially, the attack manifests as a violent illness that suggests effects of biological weapon, but its effects spread, and the organism grows into a more visible parasite. The best theory the scientists can come up with is that hormones from chemical pollution have accelerated the growth and life cycle of some bacteria living in the bay. Less dramatic and violent events like this have actually been documented, so it's not that far-fetched. The Bay is therefore much closer to science fiction than horror.
You know it's a found footage film when the ceiling takes up a full third of the shot. |
The Bay is presented as a found-footage film, ostensibly presented by a young reporter finally able to face the horror she lived through in 2009. Her story provides a view of the outbreak as an outsider would see it. She also has access to other media, which document the attack from different points of view. Police dashboard cams, a vacationing couple's iPhone, hospital security cameras, video blogs and many other electronic eyes all help show the destruction and gore.
The film handles these sources in a fairly straightforward way, which helps give it an authentic feel. But it also makes the film feel disjointed. There are times when the camera's faults limit the tension and weaken what otherwise might be terrifying scenes. The tropes of found footage filmmaking are given their due, too, and that doesn't help much either. If you've seen many of the recent movies in this niche, you'll recognize the "surprises" before they unfold. The Bay does little to become an exception to the sub-genre, which is obviously something it was trying to do.
Taken as scenes, parts of the film provoke alternating chills and disgust. The initial breakout is depicted very well and with "realism." Rather than forcing some faux documentary approach, the camera is left to watch — as an inexperienced documentary filmmaker might approach it. At a distance, not really knowing where to focus, and lacking the instinct for what may happen next.
These scenes have something of a '70s feel to them; recalling both The Andromeda Strain and Cannibal Holocaust. As the creatures get larger, we lose that influence and start to drift closer to '80s creature films like Night of the Creeps or Humanoids from the Deep. This is something that will entertain horror fans, but ultimately it diffuses the general dread the first part of the movie created. After this, the film shifts into survival horror mode, more closely resembling the recent found footage films. This is also the point at which most of the energy drains from the film, and we are left to watch what is the rehash of an escape scenario we've seen many times before.
Horror fans have a general distrust of the mainstream filmmakers who occasionally make trips into the rough neighborhoods that genre films thrive in. While many horror filmmakers have gone on to mainstream success, there are very few examples of established Hollywood filmmakers who have never made a horror film being able to make a good horror film. Frank Darabont is one example of a filmmaker who moves pretty well between mainstream and genre productions.
Strangely, Barry Levinson, known for films such as Bugsy, Diner and Good Morning Vietnam, occupied the director's seat for The Bay. Honestly, this is the only reason I decided to watch this film, given that little else made it stand out as something other than improved Syfy Saturday fare. I was intrigued that Levinson would even make a horror movie, and I was equally curious how he would approach it.
Judging from the format and style of the film, it's clear that he and his crew did their homework. There is plenty of imitation by way of homage throughout. Many filmmakers will study earlier films to help them conceptualize the current work, and Levinson makes no effort to hide his study of horror film history. Sadly, this doesn't make for a horror masterpiece, but instead a disjointed pastiche of style and effect that leaves the viewer feeling confused and disconnected from what could have been a deeply troubling film. Poe believed that horror should aim for a "singular effect" and The Bay insrtead strives for many simulteneous effects.
Most of the performances are naturalistic and believable. The supporting actors don't overact and betray that this is not really a found footage project. Unfortunately, the segments narrated by Stephanie (Kristen Connolly) do feel fake, and it is very hard to tell if she's overacting because she is an inexperienced news reporter, or because she is actually overacting. This acting undercuts scenes which were critical to sustaining the singular fear and horror The Bay needed to succeed.
Stephanie (Kristen Connolly) shows us around town. |
Overall, The Bay doesn't quite reach the high standard it set for itself. Maybe it gets in its own way too much, because I had the feeling that Levinson had a story he wanted to tell about eco-disaster and thought he had the right vehicle to do it with. To his credit, the film avoids the really pedantic kind of lessons which often infect the films of M. Night Shyamalan, but it puts such an emphasis on the big themes that the supporting details are lost.
This is all unfortunate, because it's clear that Levinson took this film seriously and sought to elevate a genre often seen as the lowest common denominator in filmmaking. He has shown, in some ways, a clearer understanding of what this kind of movie can be than many of the regular practitioners.
He set his sights a little too high though, forgetting, or not seeing, the small details that propel a solid horror film. He gets things right that many genre filmmakers don't even seem to think about, but along the way he neglects the basics. Like the Chesapeake Bay itself, the film is infected by ambitions that exceed its capacity.
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"We understand nothing of the works of God, if we do not take as a principle that He has willed to blind some, and enlighten others." - French philosopher Blaise Pascal (Pensées, fragment 566).
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I am the head of a single parent household and have three daughters; the Pell Grant has allowed me to receive an associate's degree from Central Piedmont Community College and continue on to a University of North Carolina, Charlotte for my bachelor's degree. My education has allowed me raise my children without the aid of public assistance and support my children financially. I have also been able to teach my children the importance of an education.
My eldest child earned her bachelor's degree from North Carolina Central University and joined the workforce with the help of Pell grants, scholarships and small loans; as my middle child prepares for high school graduation, she anticipates attending a four-year university like her sister. She, too, will need the help of Pell grants to make her dream of higher education possible. Even though it may be possible for my children to attend college on loans, having the assistance of the Pell Grant simply makes college more affordable for our family. Without grants and loans, my family would not be able to pursue higher education.


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The author is a Forbes contributor. The opinions expressed are those of the writer.
Leading up to Ameriprise Financial's (AMP) announcement of its fourth quarter earnings on Wednesday, January 30, 2013 analysts have become more wary as expectations have fallen over the past month to earnings of $1.48 per share from earnings of $1.51 per share.
Analysts are estimating a 11.3% increase from the year-ago quarter, when Ameriprise reported earnings of $1.33 per share.
Over the past three months, the consensus estimate has fallen from $1.55. For the fiscal year, analysts are expecting earnings of $5.37 per share. Revenue is projected to eclipse the year-earlier total of $2.59 billion by 2.2%, finishing at $2.65 billion for the quarter. For the year, revenue is expected to come in at $10.27 billion.
The revenue growth in the third quarter came after three consecutive quarters of falling revenue. In the most recent quarter, revenue increased 0.5% year-over-year. Prior to that, revenue had been falling; it dropped 4.2% in the second quarter, 3.5% in the first quarter and 1.1% in the fourth quarter of the last fiscal year.
The company has experienced a two-quarter streak of profit loss. The company posted profit falling by 36.6% in the third quarter. This is after it reported a profit decline in the second quarter by 27.8%.
The majority of analysts (66.7%) rate Ameriprise as a buy. This compares favorably to the analyst ratings of its nearest nine competitors, which average 51.8% buys. Analysts have become more optimistic about the stock recently and the number of buy ratings has risen slightly over the past three months. Consequently, over the past quarter the stock price has increased from $59.30 on October 29, 2012 to $66.88.
Earnings estimates provided by Zacks.
Narrative Science, through its proprietary artificial intelligence platform, transforms data into stories and insights.


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Florida St. Petersburg
Anne Barge BCBG Indochino J.Crew Jimmy Choo Kate Spade
Light Pink Navy
Sometimes a smile says it all. And this Bride's smile says she feels like the luckiest girl in the world. Lucky that she gets to marry the boy of her dreams surrounded by the people she loves most, and do so in serious style. When you start scrolling through the gorgeous images from Gina Leigh Photography, It's safe to say she has every right to feel that way. It's a day that would make anyone smile, and you can see even last moment right here.
From the Bride… Ricky and I shared a very similar vision of what we wanted our wedding day to be. More than anything, we wanted our day to be laid back and unhurried, but still elegant. Our hope was that our guests genuinely enjoyed themselves, and left knowing us a little better as a couple.
Our families are very important to us, and we incorporated a lot of little details to include them in our special day. Ricky's uncle performed our ceremony, which was so personal and special to us, and my uncle said the blessing before dinner. We also used heirloom candlesticks, that were a wedding gift from my Great Aunt, to flank the floral arrangement that was the backdrop for our ceremony. Also, a family tradition on my side is to make an Italian cookie table. My hope was that we could create a dessert table that featured the cookies and our favorite cupcakes. We knew that we did not want a wedding cake, but instead opted for cupcakes from our favorite cupcake spot in downtown St. Petersburg. My aunts and uncles made family recipes, and we displayed them on beautiful cookie trays. We had something for everyone, and our guests filled to-go boxes full of treats to take home with them.
As a wedding day surprise for Ricky, I had our German Shepherd, Reno, brought to the venue for pictures. He is our favorite boy, and having him there was a highlight for both of us. Our wonderful photographer, Gina, captured all of the special moments and details that filled our day. Her style of photography perfectly reflected the soft color pallet I wanted, and made every image look so romantic. I loved seeing our wedding through her eyes. We could not be happier with the memories she captured for us.
Wedding Photography: Gina Leigh Photography | Wedding Venue: Mirror Lake Lyceum in St. Petersburg, Florida | Floral Design: Delma's The Flower Booth | Catering: Delectable's Fine Catering | Cupcakes: The Cupcake Spot | Wedding Invitations: Blush Paperie | Wedding Dress: Anne Barge via Malindy Elene | Bride's Sash: Haute Bridal via Malindy Elene | Bride's Hair Pin: Percy Handmade | Bride's Shoes: Jimmy Choo | Bridesmaids' Attire: BCBG | Mother of the Bride's Attire: Kate Spade | Groom + Groomsmen Attire: Indochino | Flower Girl Attire: David's Bridal | Flower Girl Shoes: J.Crew


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quote:Depends on what his priority is.
Would you really want a ring over 3mil, if you're going to get injured again. You say this could be his last chance to get a ring, it could also be his last chance to get 3mil. Would you even be proud of a ring if you went to a team, got injured, and they ended up winning a championship?
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Crafted by traditional artisans at Muckross House, a Victorian mansion set within Ireland's Killarney National Park, this is the gentleman's 100٪ alpaca tweed scarf. Unlike traditional tweed, which uses coarse wool that can be rough and uncomfortable, this impeccably soft garment is made from pure alpaca yarn spun exclusively for this County Kerry atelier. The luxury fiber is as cozy as cashmere yet three times stronger than sheep's wool, so it can withstand daily wearings without pilling or fraying. Fleecy instead of itchy, the alpaca؟s hollow hairs trap heat, providing superior insulation against a chilly Atlantic wind. Each scarf is individually woven on a 200-year-old Harris loom, a vintage tool that yields a distinctive loose texture and a selvage edge that prevents unraveling. Finished with hand-knotted fringe. Brown. 68" L x 12" W. (1 1/2 lbs.)
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Everything I Expected!
By Big D
from Montreal, QC, Canada
Best Uses
As usual when I order from Hammacher Schlemmer this is the superior quality I expected and was not disappointed. It is every bit as described in the catalog and more. I wear it with my overcoat to my jean jacket.
Wish it was longer
By Butterfly Girl
from Nashville, TN
The scarf is beautiful, very soft & cozy, but it needs to be longer for a complete look & functionality.


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October 7, 2012 - 1:47pm
Drive your Humvee through enemy bases in the jungle and find all secret documents. Travel from one checkpoint to the other will slaying all the zombies you encounter. To make things easy there are a lot of power-ups!
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For a few reasons, I sometimes I feel like I'm raising myself. There are moments in nearly every day with Ada that mirror home videos from my childhood so closely it's hard not to wonder if my mind has made-up said videos and replaced my own little toe-headed-toddler self with Ada.
She colors for spans of time equal to toddler eternity (thirty, forty-five minutes?! She can't even watch Sesame Street for this long) and while she does she often sings to herself, or narrates her drawings. If she sees one of her "pretty dresses" she insists on putting it on right that instant and then proceeds to "spin like a princess" before moving on to adorning herself in every necklace I own. Her mind seems to constantly be humming, processing, sorting information. Perhaps all toddlers in general seem a bit preoccupied because their little brains are taking in so much each moment. She easily collapses in frustration when she can't communicate like she wants or the moment she feels itchy (sound familiar, Mom?)
But I also feel like I'm raising myself (or, really, continuing the work my parents started). Being a baby having babies, there is still lots of room for self-raising. When I see Ada's tantrums I get so self reflective ignoring her behavior—waiting out her storm—is easy. But it makes me realize I don't take a lot of things well either. Is mothering always like holding a mirror up to yourself every day? People always say they learn more by having kids than by being a kid. And it's true. Because you see so much of yourself in them, moments of intense examination come all-too often.


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My friend's wife has been diagnosed with cervical cancer and he asked a bunch of people to donate artwork to help raise money for her treatment. Originally, I had wanted to create a print based around The Land Before Time so when the opportunity to donate art to this great cause presented itself, I thought this would be perfect...especially given the quote I chose from song at the end credits.
The prints aren't available yet, but a friend of his has the resources to make prints on wood veneer.
I will update this shot when the are available to purchase.
12x12" on 1/2" birch plywood print / Limited Edition of 30
Standard paper edition to coming soon.
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reyesr's Event Journal
Tuesday November 26, 2013 / 1:00pm
Disney's Frozen 3D
4 tickets
General Admission
How was your experience?
We were there 1.5 hours before the show and we were the 1st ones in line. Unfortunately that didn't matter because a majority of the people there had VIP tickets and were in a different line that wrapped around the building. Of course, the VIP line was let in first. When we got in, most of the seats were reserved for VIP so we had to sit where it wasn't reserved. Also, VIP had their own concession stand and their tickets included popcorn and a drink. General admission is kind of a joke when practically everyone else is VIP!


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The Perfect Soufflé
- - Per Person
What You Will Learn
Is there a more heavenly beginning or finish to an excellent meal than a soufflé? In this technique-filled class you will learn the essential methods to creating the quintessential classic, delicious soufflé. From a savory appetizer soufflé to two tempting dessert soufflés, you'll learn the basics of the batter base, tips for baking them for maximum rise and ideas for making the presentation of every soufflé tempting and memorable.
What To Expect:
Great cooking isn't about recipes—it's about techniques. In our classes you'll work together with other students in a fun, hands-on environment led by our professional chef instructors.
- Learn fundamental skills for a lifetime of great cooking
- Work side-by-side with other students to prepare each dish
- Interact with classmates and the instructor for a rich learning experience
- Classes are 2 to 2 1/2 hours, unless otherwise noted above, and each student enjoys a generous taste of every dish
- Held in our professional teaching kitchens, each class is led by an experienced chef instructor
- Hands-on classes are limited to 16 participants
- Students receive a 10% discount coupon to use the week after the class
Cheyenne Terbrueggen
The Brewery Blocks
- 1102 NW Couch Street
- Portland, Oregon 97209
- Get Directions


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Compendium of Beading Techniques : 300 Tips, Techniques and Trade Secrets
Free delivery worldwide
Dispatched from the UK in 1 business day
When will my order arrive?
Just like having an expert on call 24 hours a day - here are the answers to any beading questions or dilemmas you might have. Step-by-step photographs, diagrams and clear instructions will guide you through each stage of your work. Techniques are organized in the order you need them when making a project, from using the right tools and materials to troubleshooting, and finishing tips for neat, professional results - or you can dip in for help with a particular problem. Learn about creative knotwork using thongs and thread, quick and easy stringing, how to show off display beads, mix vintage and modern, incorporate charms, and rescale and design your own patterns. Whether you're using large glass beads, crystals, or seed bewads, using wirework techniques or stitches, making jewelry as gifts or for profit, this book has all the answers.show more
Product details
- Paperback | 160 pages
- 184 x 244 x 16mm | 519.99g
- 30 Sep 2009
- Search Press Ltd
- Tunbridge Wells, United Kingdom
- English
- 400 colour illustrations
- 9781844484362
- 20,751
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The Encyclopedia of Wire Jewellery Making Techniques
10 Feb 2010
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About Jean Power
Jean Power is a professional, award-winning beading and jewelry designer, writer and teacher. Born and brought up in London, she grew up with a love of crafts and art and devotes as much time as possible to writing, teaching and beading. Jean's beading and jewelry designs have been published in numerous magazines and books around the world, including Bead & Button, Beadwork, Step-by-step Beads, and Jewelry Crafts. She is the co-author of two previous jewelry books and is the editor of Bead, the UK's first magazine devoted entirely to beading and jewelry making.show more
Table of contents
Prelims Introduction Beads, findings and tools Beginning to bead Tubes, circles and ropes Patterns and charts Wire and cord Design, colour and more Making beads Getting a great finish Glossary and yarn charts Index and resourcesshow more
Review quote
Dec 09 Making your own jewelry has become very popular recently, and thus there is a need for some new books on the subject now so many more materials are available. To realize your ideas you must first know how to how to do all the different stitches and making up techniques, which is why a book like this is so useful. The subtitle is "300 tips, techniques and trade secrets" and this is a good description of what to expect. I wish there had been something like this when I first learned to make jewelry - I learned mainly from kits - and looking through I still see that I have quite a ways to go before I have exhausted all the lessons. In true Search Press style the book starts with a one-page guide on how to use it, and how to get the most out of it. Then you start off learning all about the different types of beads including useful tables of how many beads of certain sizes you get per 1, 10 or 100 grams and per several lengths as well. This is so useful when buying beads for projects. The same is done for stringing materials, tools and storage - all handy buying guides when deciding what you need, what you might need and what is just for the advanced work. Then there are useful sections on designing, color and working comfortably before getting on with learning all the various techniques for stringing, off-loom weaving, wirework and more. Every page is packed with photos to illustrate what is going on with captions, and there are lots of tips of the type you get when you go to classes but not usually in books. I particularly like the combination of diagrams and photos when illustrating off-loom stitches, allowing the beader to see what is going on and what it should look like in fact. This is not a book of projects but methods, enabling you to learn enough to tackle projects in books and magazines, and to design your own. If you want to take up this hobby (or know somebody who does) or even if, like this reviewer you have been doing it for years this is an excellent book to buy. Very highly recommended. Myshelf.com Oct 09 Beading de-mystified, whatever the problem in this 160 page colour book. This book looks at materials, supplies, design, stringing, weaving and fastenings. There is also a resource section. This book is packed full of instructions and illustrations as well as professional techniques to help you bead with ease. Karen Platt Jan 2010 This indispendable compendium is filled with essential know-how and troubleshooting tips for anyone interested in taking up beading. Step-by-step photographs, diagrams and clear instructions guide you through each stage. Techniques are presented in the order required when making a project, or you can dip in for help with a particular problem. This book certainly has all the answers. Machine Knitting Monthly Autumn 2010 What a wealth of information in one book! This compendium covers just about everything anyone starting beadwork would need to know. There is information on different types of beads, including size and shape. Within this section there are two extremely useful tables which give the approximate number of beads per inch when being worked, and also per gram when purchasing. Different types of thread, wire, cords and tools are shown with pictures and information about the work for which the item is used. The book is divided into three main sections - stringing, wirework and beadweaving. Each section has clear pictures and information relating to the elements covered, including basic stitch techniques, how to follow and read a chart, and much more. Throughout the book the author has highlighted tips on fixing or preventing problems when working in a particular medium. There are also hints on making your work practice easier and therefore even more pleasurable. This is not a project book, but as there is so much helpful information, even the most experienced beader would find a lot of interesting and useful tips within its covers. At GBP12.99 it is really good value. Bead Society For Great Britainshow more


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Good And informatic article ...
Thanx for it!!
Good And informatic article ...
Thanx for it!!
Capt. Johnny Nunez Shell Beach, LA USA
Fishing Magician Charters
Hi guides and fishermen. I am writing this to let you know that I had 22 Shimanos 2500 reels and 6 1/2 and 7 ft. rods stolen Monday night from my dock in Shell Beach. If anyone hears of a good sale, please let me know. They just about cleaned me out.
Thanks in advance.
Capt. Johnny Nunez
The area is good in June (spring through summer, fall). You can catch white trout in the deep hole outside of the channel by locating it with a depth finder (look for the other boats). Fish between 30-40 ft deep for the white trout. They arent real big but are good eating and there's no limit. Fresh shrimp on the bottom with a drop leader mono rig (weight at bottom and hook above-light tackle 20 lb). You can catch big speckled trout near and around the channel right outside the opening from the bridge and along the edge of the drop offs using live shrimp (sliding cork preferred). You can buy live shrimp at Seabrook Marina, New Orleans, very near to that location by going under the bridge and heading up the intercostal. It is about 3 blocks up the channel on the right: a big white metal building holding boats--Google it to see the location. There's a public launch right at the Seabrook area. You will have to Google it to see how to get to it. The launch puts you right at the Seabrook fishing area with 1/2 block. You can post reports to our reports page under the proper location: http://jerrylabella.com/forums/forumdisplay.php?f=4 . I moved your post to the Guestbook area:
Jerry LaBella
Saltwater Fishing Articles by Outdoor Writer Jerry LaBella
Hello all,
I'm new here and not sure if this is the right place to post a question, If not I'm truly sorry, please point me in the right direction and I'll get it right the next time. Heres my question I've heard that the fishing in the seabrook "Hole" Or area is a really good place to catch a few fish. I come to mississippi atleast twice a year to fish their barrier islands with my father and we do pretty good but my father has gotten on this thing about fishing in the big lake, Lake "P". So I'm doing some reserch and would like to try the area this time when we come down. I'm mlooking for information on Boat ramps and bait shops in the area that allow close access to that area. I've got really good maps of the area so finding it wont be a problem. We are comming down the first week of june, Is that a good time for the area? Any and all advise is greatly apprecaited. like i said we are new to that area and would love to learn how to fish it. Thank you of your time and help.
Read it...:Great investment opportunity in Costa Rica: condos, costa rica real estate, costa rica property. Visit us for more info at: http://www.jaco-bay.com/
Last edited by omacruz; 11-29-2009 at 10:25 PM.
Here we usually catch the released or surfcasting from beach. We have a large expanse of white sand beach, fine, that binds to its beauty, proximity to the Doñana Natural Park, which makes them a really beautiful natural setting.
But that does not correspond to the results obtained from our sea. Good for commercial fishing, either by the cold ocean waters in this latitude (12.14 degrees), or by the inexperience of speaking to you, the truth is that this water, once rich in species and quantity of fish , today is a cause of concern and disappointment over a fisherman. There are few days when we return home empty, albeit with a rich vocabulary of insults and expletives at all, so fish as tides, winds, etc.. Finally, it is what we have.
We usually fish for bass, bream, sunfish, blacksmiths, gold, corvinatas, some bream and especially smooth, using the most of the time natural bait, such as different types of worms (American, Korean, thread, aunty, llobarrera, etc.). crab, razor clams, squid, sardines, mackerel, etc.. Here in Andalusia is forbidden to use live fish, thereby further limiting us.
As for gear, used all kinds: to plumb the lower end and several gut, the same but with a single hook, and so on.
Best of all, is that the beauty of this sport, health cures us always and always brings us back with renewed excitement every time we go to practice. And I can not miss a good hotel where hospedarce may well be charming hotel Pyrenees your room now and come to enjoy the perfect combination of sports, beauty, nature and a comfortable stay. In our charming hotel pyrenees you will find an interesting propousal for an unforgettable holiday.
Last edited by omacruz; 11-29-2009 at 10:22 PM.
I live in Nairn,Louisiana. Was Born in New Orleans, Married a Ballay and moved down in 1995. I have no regrets moving down, even after Katrina took our house, and our community. The reason I am telling you this is..............
I have no clue where to fish, I just bought a boat, I am still learning how to back it down , and I am 40 yrs old. I have lived down here for twelve years,
and there is still alot of city in me.
So, how does a green fisherman learn to navigate the waters, catch fish
and still be able to get home! LMAO
Thanks in Advance
Interesting, fascinating game, realistic simulation of
There is big variety of fish, each which has its own behaviour.
In this game you have an opportunity to perfect your
equipment - fishing-rod, hook, bob, bait, spoon bait,
and fishing-line. You can play in full-screen mode, reduced
window mode, and also you can minimize the game.
In minimized mode the image of the bob will appear on your
monitor, and will tell you when you have a bite.
Such a possibility gives you time to do other things if
fish don't nibble or if you are trying to catch very big fish,
which always takes much time and patience.
55 different types of fish.
Competition spirit in the game during all the time.
To have play in new location you need to get 150 points.
The beautiful water will not leave you unaffected.
There are 28 different locations each with beautiful
landscape s and splendid music will help you to relax.
Come down to the Louisiana Gulf Coast for great fishing and hunting in The Sportsman's Paradise. We also invite you to visit our website at www.cajuncountrygifts.com/go.cgi?shop=5962 and shop for your friends and family. Unique Cajun pralines, candy and cookie products at money saving prices. Thanks for your kind support here in the Gulf South.. Ken Filardo
Thanks for the article on yellow fin tuna "Yellowfin Tuna Fishing How-To For Small-Boat Owners".
It always good to read and try the opinions and methods used by other anglers and most importantly to share this information with others. We found drifting for tuna and pulling the line out by hand (reel in free spool and ratchet on) at the front eye while throwing a hand full of chum out and letting our bait(the back half of a sardine)drift out with the chum very effective in South African waters


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makes approx. 5-6 servings.
- Olive Oil
- 1/2 cup onion, chopped
- 1/4 cup celery, chopped
- 1/4 cup bell pepper, chopped
- 1/4 cup carrot, peeled and chopped
- 1/4 cup chopped string beans
- 1 jalepeno pepper
- 1 large tomato, seeded and chopped
- 1-1/2 cups frozen Okra, thawed and drained, cut into 1/4 inch rounds, stems discarded
- 1/2 teaspoon celery sea salt
- 1/4 teaspoon fine ground black pepper
- 1 teaspoon rubbed sage
- 1 teaspoon dried thyme
- 2 boneless, skinless chicken breast halves, cut into bite sized pieces
- Salt & pepper to taste
- 2 teaspoons Basic Chicken Seasoning Blend
- 1/4 teaspoon Classic Cajun Seasoning Blend, or to taste
- 1 quart Chicken Stock
- 1 cup orzo
- Heat a heavy skillet or Dutch oven over medium high heat. Drizzle with 1 - 2 tablespoons olive oil. Add onions, celery, and bell pepper; sauté until the onions are transparent. Add the carrot, celery sea salt, black pepper, sage, and thyme; sauté 3 minutes. Remove the vegetable from the pan and set aside. Reheat the skillet over medium high heat. Drizzle with 1 - 2 tablespoons olive oil. Add the cut up chicken and season to taste with salt & pepper. Sauté until the chicken is just golden in color. Remove from heat and add cooked vegetables to the pan and season with chicken seasoning and Cajun seasoning; toss to blend. Meanwhile, in a 2 quart pot, bring the chicken stock to a boil. Add the orzo. If the chicken stock is bland, add 1/2 to 1 teaspoon sea salt to taste. Bring back to a boil and cook, uncovered for 8 - 10 minutes or until just tender. Turn down the heat to low and add the cooked chicken/vegetable mixture to the cooked orzo. Add the Okra and heat gently. Adjust seasonings, if necessary and serve. Cook's Notes Avoid slimy okra by never allowing it to boil! Thaw okra in warm water. Drain well before adding to soup. I like to make this a savory dish, rather that a hot and spicy one. Because the orzo will continue to absorb liquid, this soup is best served at once. To prepare in advance, simply cook the chicken and vegetables as directed, cool, and store in refrigerator. About 25 minutes before serving, prepare the orzo in the stock as directed, turn down the heat to low, add the chicken/vegetable mixture and thoroughly heat through. Add the thawed and drained okra and heat a few more minutes. If leftovers are too thick, simply stir in a little chicken stock. Adjust seasonings as necessary. For a thicker soup, simply allow the orzo to absorb more liquid.
Related Video
Nutritional Info
- Calories228
- Carbohydrates26 g(9%)
- Fat8 g(12%)
- Protein14 g(28%)
- Saturated Fat1 g(7%)
- Sodium744 mg(31%)
- Polyunsaturated Fat1 g
- Fiber3 g(12%)
- Monounsaturated Fat4 g
- Cholesterol26 mg(9%)


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ADT Home Security offers a wide variety of security packages to help meet your individual needs. ADT's All-Inclusive Monitoring Bundle includes 24/7 serveillance along with top notch equipment for your home. You can upgrade to ADT's Premium Monitoring Bundle I and get Two-Way Voice technology, which enables you to speak with an ADT professional through an intercom in the event that an emergency situation occurs. And with the Premium Monitoring Bundle II, enjoy the convenience of CellGuard® technology, which gives you control of your security system via your cellphone. Consult with an ADT Services representative today to learn more about the various packages ADT offers.
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It can't hurt to seek professional advice when the day comes to make a difficult decision like what home security package to purchase. But identifying the right option might be overwhelming if you still have a few questions, which is the reason why ADT provides complimentary consultations via phone. A professional consultant will listen to your own personal needs and match you with the product that fits those personal needs. Following this, you can have the system set up the day afterYour property has an authentic style and arrangement, so allow an ADT Security specialist help guide you with the process of arming your home with a home security system. To help narrow down the choices and get paired up with the perfect package for you, pick up the phone and call ADT Security today.
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If there is a disaster, it is important to make certain that your home's security set-up is operating properly. In most cases, if your system's primary battery is greatly worn down, it can impair your system's means to determine dangers at your house. And that is why it is a good idea for you to examine the status of both your primary and reserve battery packs. This procedure can make a big difference for the protection of your home.
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Bluefield, Virginia Crime Statistics
There were 14 burglaries (0.3 per week) committed in Bluefield, Virginia during 2015.Crime Statistics for Bluefield, Virginia for the year 2015 : | ||||||||||
Population | Violent Crime | Murder | Rape | Robbery | Aggravated Assault | Property Crime | Burglary | Larceny Theft | MV Theft | Arson |
5,268 | 9 | 0 | 5 | 0 | 4 | 237 | 14 | 223 | 0 | 1 |
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with love,
Tuesday, June 26, 2012
a feathery Tova
The weather has been quite warm here the past couple weeks, so I took some time this weekend to sew up a couple tanks. This is the first Tova that I have made. This top has definitely made the rounds in the online sewing world, and I can definitely see why! I adore this top.
I bought a bunch of Martha Negley feathers in all different colorways several weeks back. When I saw this creamy white colorway with the pretty pink and brown feathers, I knew right away that I wanted it for a Tova.
I'm pretty new to garment sewing, and this is the first time I've used this pattern. I was pretty dumb brave and dove right in, cutting up my pretty feathers without making a muslin first. I really lucked out... the shirt fits perfectly! I widened the armholes and made the straps a bit narrower. Rather than adding sleeves, I finished the armholes in the same way as the Wiksten tank. Perfect for summer! I think it will also look nice under a cardigan in the winter.
I have made a second tank since then, and I may have cut out two more today. I don't think I can have enough of these shirts!!
with love,
20 comments:
The fabric is perfect for the top! Love love love it!
- Katie Fleming
Katie Michelle Designs
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Beta Testing.
So ever since I hit 85 with Jacemora in the Beta I essentially stopped playing in Beta.
My plan now, with the little time before the Cataclysm release I plan on testing out just how Uber my premade can be in full Raid T11 gear. I have cut the gems (such weird requirements on the meta), enchanted my gear, and choose a bear feral spec.
My plan is to solo some content… Most likely some Black Temple trash, just to see how viable solo grinding the last little bit of rep I need will be. Also probably Utgarde Pinnacle as I still don't have the Blue Drake. It is possible to solo Utgarde already for the drake drop, but I want to see how much easier it is at 85 with awesome gear.
Ok… so off to BT… Fly to Blasted Lands… go through portal… fly to Outpost…. fly to BT…
"You must be in a raid…"
Damn it.
Fly to SW Harbor… boat to Northrend… fly to Valgarde… fly to UK… set to Heroic and enter UP.
Stealth to Skadi…
Run the gauntlet… kill guys… pick up harpoons… shoot down Skadi…. oh wait…
Bags are full… /damn it
Drop a Heaveweave manual…
kill guys… pick up harpoons… shoot down Skadi.
Kill Skadi, loot… no Blue Proto. /Sigh
Ok, so what did I learn?
- This is Easy. I went from 130K+ health to about 100K. Fought him standing still, never moved. Used no cooldowns.
- Bears hit freaking hard.
- Droprate will have me doing this quite a bit.
Whoa… just realized I have not posted in a while…
So, I have been playing very little as of late.
I did log on to do the first 2 phases of Pre Cata Content. A bunch of quests, and the feat of strength. You can get good information on the feat from this Tripping the Rifts.
A bit of FYI, you can get the achievement by gaining the buff in Azeroth. You can only loot the item for the daily if you do it at level content. I recommend doing it old world personally.
I stocked up on mats to get a jump start on leveling professions. I personally have to level tailoring, enchanting, jewelcrafting, inscription, and alchemy. After doing some WOWhead research I found only enchanting allows for stocking old mats to level and it is only a guaranteed 10 points.
News came out from a dev that the current beta pace of leveling will persist in Cataclysm release. What this means is that leveling to 85 is going to be VERY fast. Be prepared to jump in 5 man heroics and crafting epics quickly in order to gear up for raiding.
I believe the new Feral DPS rule of thumb is going to continue to be Mastery>Agility>Haste> and going for the Hit and Expertise caps where possible. I see a lot of Strength gear floating around with lots of mastery on it, I am guessing that will be desirable as well.
Cataclysm definitely looks like it is going to be a lot of fun. I plan on jumping right in and I have already purchased the digital download.
Another notable is that in a 10 player raid, only 1 battle rez can be used per attempt. This will impact my 10 man right off the bat as we had 1 lock and 2 druids. Yes, Soulstone counts as a battle rez. After the rez counter hits 1, meaning someone actually accepted an in battle rez, trying another will net you an error that the spell is not available.
Fun Stuff.
OMG, I finished WOW.
After months of fighting and killing the Lich King on normal 10/25 man I was finally lucky enough to get the kill in Heroic 25. It's hard to put into words how satisfying it was to finally complete that fight at that level.
Many thanks goes out to the guild officers and members in Dsylxeic for finding a way to continue on in Wrath and not only get him down the first time a couple weeks ago but to continue to go through the content each week and help those of us that were not in on the first success. I watch many guilds fall apart this close to an expansion and the job the officers have done to keep the raids happening has been awesome.
On another note, I wanted to mention how they are rewarding Invincible. Unlike a lot of hard core guilds that would probably just loot council it out, they devised a method to take each persons time invested in ICC and create piece of pie that represents commitment. Each piece has a randomly assigned range of numbers 1-1,000,000 and a roll is done to see what piece and player wins. I don't know who thought this up but what an excellent way to fairly reward the people who you play with.
I was actually lucky enough to have my piece win last night, which has to be some kind of luck becuase I have to assume my slice is pretty darn thin (though I never really looked). I passed on the mount knowing there were quite a few players WAY more invested than I to get us to where we are now (Farming LK Hero 25) and people that having the mount would mean a whole lot more to.
Mounts are cool, but I play the game to have fun. I know many others get more satisfaction than I collecting mounts or rare game items so it didn't make sense for me to take it. It's the same reason I don't have Anzu, a Tiger or Raptor mount, yada, yada, yada…. just not fun.
Beating hard content is fun, and no mount could have been more satisfying than getting Light of the Dawn accomplished.
Now the Reins of the Icebound Frostbrood Vanquisher… That's a different story. That would be fun.
We are excited…
This Thursday our 10 man raid is finally getting back to LK 10 Hero attempts. It's only going to be about 2 hours worth but hopefully it will be all we need.
We look forward to our 10 man raiding for more than just achievements and downing difficult content but because of the fun we have playing together.
Hopefully we can shake the rust off quickly but we have not done anything as our complete 10 man since sometime in early June… Woof.
Earth, Wind, & Fire
Server First!
Thanks to the GM (Selmak) of my guild Dsylxeic (Well, not my guild but the guild to which I belong), for standing in with his DK for our fallen Warrior (his motherboard was fried).
So just an FYI to everyone out there, EW&F is not terrible at all. With current ICC gear most likely the largest problem you will have is not killing bosses too quickly. The hardest part of the encounter is timing the death and that is about it.
We went with 3 tanks, Pally, DK, and Myself (Yes, I still bear it from time to time), 3 healers (Pally, Disc Priest, Tree), and 4 DPS.
We start on Fire Dude, Misdirect him to the hallway entrance to his wing, DPS him while moving him to Stone dude. When Fire dude hits about 30% we go in on Stone Dude. When both are at about 25% I run along with 2 DPS and 1 healer to Storm dude and tank him and all the adds in the middle. 2 things I have to do…
- Don't stand in Fire.
- Pull spawned adds of my healer.
Basically the rest is just talking in vent and coordinating their demise.
After that we moved on to Hero LK, we are now making solid progress and finally saw phase 3? The room with all the spirits… well at least 1 person did… progress none the less.


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It's the late '70s. I've had two adorable girls within 20 months of each other and it's time to get back to the sweatbox. I mean the gym.
The booming beat of "Y-M-C-A" blasts through the door from the aerobics class and hangs in the air; exit three slim beauties in trendy workout attire.
"I hate loud music. And I hate skinny girls. I could exercise at home," Slothful Self suggests.
"Get in there," Inner Self commands.
I spread my towel in the back of the already crowded room, like I'm staking out a spot at the beach. This is L.A., and one always has to stake out one's turf—in traffic, in the grocery store, in Baskin-Robbins. Yum.
I lie down for a few deep breaths.
The instructor strides to the front of the room like a runty canine drill sergeant and barks, "C'mon, now, everybody PUSH, PUSH, PUSH!" She shoves her arms up over her bony shoulders in time to the music. Then she adds alternately thrusting legs. "KICK, KICK, KICK!" she hollers.
As I'm kicking legs and thrusting arms, I glance around and notice I'm the only one who's not already trim. I ask the universe, "Why?" No, not "Why aren't there more people my size here?" (although that thought does cross my mind), but "Why would anyone come here to be tortured if they already look great?" The idea that maybe this class is what allows them the leeway to reward themselves later, say with chocolate (can you say Van Duyn's?), hasn't yet surfaced in my consciousness.
Five minutes in I start giggling. "I'm the only hippo in a room full of gazelles," I realize. "I'm living a sitcom!" No one else is laughing.
The more I laugh because no one else is laughing, the more I notice the seriousness in their slimness, which makes me giggle. Wait, wait, who's that I see in the corner of my eye? Another person has slipped into the back of the class. I nod my head in recognition, as if to say, "Howdy! So glad to see another person who looks like me!"
She smiles a little and looks around. Again, this is L.A., and folks just don't smile if they don't know each other. I can see it in her eyes—she's wracking her brain to recall: Do I know her? Or is she trying to flirt?
Hilarious! I start again with the laughing, waggling my head and looking down, and my nose starts to drip. I wipe it with my sleeve, noting that when my toddler does this, I lecture her.
I glance at the clock. Only 30 minutes gone, and I'm ready to collapse. My legs are like cannons attached at the hips, like they've been amputated and I'm feeling that phantom pain that makes grown men cry. I sneak a peek.
Still there.
The PA system blasts out a page: "Wanda Powell, telephone call at the front desk." (This is the pre-cell phone era.) Suddenly, I'm begging God for an urgent call. Surely my husband cannot console one of the kids and he desperately needs me home! The fantasy dissolves and I'm back to reality, as we change positions.
I'm dyin' here.
I catch a glimpse of the instructor, who looks bored, nonchalantly scanning the room as her legs continue pumping up-and-out and up-and-out.
Think of something else.
I notice there are actually two men here. One is desperately cachectic and wears ballet shoes. In case of fire, I'll have to carry him out. The other is a muscle man. You know, the type that oils up before he exercises. He's all shiny, like fruit at the supermarket, waiting to be pinched. Ewww. Let him worry about the ballet guy.
I laugh out loud and steal another glimpse at the clock. Fifteen minutes left. Panting and drenched in sweat, I'm all laughed out.
Why is my head about to drop off my neck when I'm working my thighs? Wait a second. Oh no. Wardrobe malfunction! One of my nursing pads has popped out and I'm bobbing. I can feel the pad slip up under my armpit. Dang. That tickles.
I'm in serious pain as the sweat trickles off my nose. I give another swipe with the sleeve and chuckle at my sorry self again. Nobody notices. They're all into their own agony.
Oh, praise God. The class has finally ended. I flop to the floor, like a beached whale. I'm frozen, incapable of lifting a fingernail. I get dizzy as I struggle to sit upright for the finishing stretch, flapping arms and thrashing around, like a gull caught in an oil spill.
"Now give yourselves a big hand!" chirps the drill instructor in her magpie voice. Everyone applauds; it's L.A., after all. But my right hand can't find my left hand—they're both noodles.
"And if you have any questions, be sure to ask!" she squawks.
Just one: "Where can I order a new body?"
Portland native Candy Campbell is a writer/actress and nurse/educator in the San Francisco area. For more info, visit http://candycampbell.com
Tags: Working Out


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SRD:Lens of Detection
From D&D Wiki
This material is published under the OGL |
Lens of Detection: This circular prism enables its user to detect minute details, granting a +5 bonus on Search checks.
It also aids in following tracks, adding a +5 bonus on Survival checks when tracking. The lens is about 6 inches in diameter and set in a frame with a handle.
Moderate divination; CL 9th; Craft Wondrous Item, true seeing; Price 3,500 gp; Weight 1 lb.
Back to Main Page → 3.5e Open Game Content → System Reference Document → Magic Items


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"Is this all real? Or has this been happening inside my head?"
The subject of this article is of a real-life person, place, group, company, product, or creative work that has been mentioned "in-universe" in a canon source. The Harry Potter Wiki is written from the perspective that all information presented in canon is true (e.g., Hogwarts really exists), and, as such, details contained in this article may differ from real world facts. |
Gatwick is an international airport located in Crawley, West Sussex, England, 47.5 kilometres (29.5 miles) south of Central London. It is the second busiest airport in the United Kingdom after Heathrow.[1]
24 Hour Car Service offered taxi rides to Gatwick (among other airports in the London area) for a fare of £25 in 1997.[2]
- Harry Potter and the Deathly Hallows: Part 1 (Mentioned on business card)
- Harry Potter Limited Edition (Mentioned on business card)
Notes and references
- ↑ "Gatwick Airport" on Wikipedia
- ↑ Harry Potter Limited Edition - A Guide to the Graphic Arts Department: Posters, Prints, and Publications from the Harry Potter Films (see this image)


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Mumbai Indians let go Mitchell Johnson as they didn't retain him in the lead-up to the Indian Premier League 2014 auction. Kings XI Punjab benefited, as they picked him up for Rs 6.5 crores and Mumbai didn't unleash their 'Right to Match'. Nishad Pai Vaidya examines their gamble that didn't pay off.
Did the Mumbai Indians (MI) err in not retaining Mitchell Johnson ahead of the Indian Premier League (IPL) 2014? The left-arm pacer was one of the pillars of their successful campaigns at the IPL and the Champions League Twenty20 (T20) last year. Despite a thunderous performance during the Ashes 2013-14, where the batsmen hopped and stuttered to him, Mumbai chose to retain their old warhorse, Lasith Malinga instead of Johnson. And, on February 12, they couldn't get him back at the auction even though they had the solitary 'Right to Match' option at hand.
At the outset, it was quite certain that Mumbai wouldn't get Johnson back at the auction. The reason is simple. By retaining five other players, they only had a purse of Rs 21 crores to fill their remaining slots. By relying on their 'Right to Match' option they took a huge gamble. Johnson's cricketing stakes have soared following his Ashes exploits and he was on numerous franchises' radar in the lead-up. He would have anyway attracted a huge sum and Mumbai wouldn't have been able to afford him with only a short purse at hand.
Johnson is currently at the peak of his powers and would have been a great asset to the side. His pace would have rattled any side, plus his rhythm being good, he hits the right areas consistently. Instead, Mumbai have gone for Malinga, who still remains one of the best T20 bowlers in the world. On current form, Johnson would have been a better bet, but perhaps Mumbai are looking at a commitment for three years. With Johnson featuring in all three Australian sides, he may have been unavailable at some points.
However, Malinga isn't the same bowler anymore. During the last season, he didn't quite find his consistency, but somehow rose to the occasion to help them win the final. He can deliver those toe-crushers; for some reason, he doesn't seem effective enough anymore. In fact, he was under pressure to keep his place in the Sri Lankan side as well.
On the other hand, Mumbai have managed to get back Zaheer Khan after three seasons. Zaheer is experienced and can mentor the younger lot. On the field of play, he is well past his prime and isn't a very good bet for T20 cricket. And, his fielding is also not very reliable, although he seems to be a lot fitter than what he was last year.
In a nutshell, Mumbai could have planned it a lot better and perhaps retained Johnson. It may have been a gamble to leave out Malinga, but it may well have worked with the reluctance of franchises to take the Sri Lankan players, irrespective of which formats they played for their country. Again, they didn't have the benefit of hindsight. Thus, the auction is a game! You have to get it right to make a good squad.
(Nishad Pai Vaidya is a Correspondent with CricketCountry and anchor for the site's YouTube Channel. His Twitter handle is @nishad_44)


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[LED Lighting & Display] - [LED Interior Lighting] - [Other LED Interior Lighting] |
High lumens with epistar chip E27 GU10 dimmable 5w led bulb lights |
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SpecificationsE27 GU10 dimmable 5w led bulb lightsCE ROHS FCC certificate High shock and vibration resistant OEM&ODM are available High lumens with epistar chip E27 GU10 dimmable 5w led bulb lights Specification: Lighting source: Edison LEDs LED Qty: 5 pcs* 1W Power consumption: 6W Measurement: D2.3*H4.2 inch (D60*H106mm) Light output: 360lm CRI: ) 80 Typical (high index) CCT: 2700-300K or 3000-3500K (Warm White) ; 4100-4500K (Natural White) ; 5000-5500K (Pure White) Input voltage: 85-265VAC, 50/60 Hz. (110/220VAC for dimmable types) Power factor: 0.95 Fittings: E14, E26, E27, B22 based. Lifetime: 35000 hrs Beam angle: 160° Heat sink: Aluminum body +PC cover IP Rating (Working environment) : Indoor use, applicable for dry environment Operating environmental temperature: -10°C to +40°C (+14°F to +104°F) Storage temperature range: -40°C to +85°C (-40°F to +185°F) Humidity (non-condensing) : 5% - 95% RH LED Dimmer: LED Dimmer Switch size: L85*W85*H30mm 10~100% brightness control Stable & soft lighting, no flicker Products quality control: 1. Quality check All incoming material checked by IPQC 100% checked function on production line Lumen test by senior engineer 2. Aging test Must go through 36-48 hours aging test Ensure surface temperatures not excess 65 degree Checked function by workers before package 3. Lampshade Milk PC cover with transmission rate 4. E27 port Internal standard E27 port Widely use, easy install 5. Original Epistar led chip 90-110 lumen per chip, with higher lumen flux Perfect PCB design , higher efficiency Low light decay 6. Heatsink Pure Aluminium heatsink Excellent heat dissipation Product advantages: 1. Longer life time over 50.000h by normal use 2. use slap-up import material , can control thr dimming by the remote controller 3. special circuit design , each LED chips working separately thus it can avoid the in fluence that a broken LED causes 4. Pro-environmental and safe product ni mercury , no UV radiation, no IR and other harmful materials 5. Energy-saving, saving power much than 80%, all the energy saving light can not reach this high lever 6. The light transmission of LGP light guide plate is 85% more evenly light and highter lumens 7. Robust and long lasting mechanical structure 8. Extermal switching power supply 9. Easy installation replacing the 595*595mm ceiling lights 10. Can be ceilling or wall surface -mounted Our competitive services: 1. OEM&ODM are available for us 2. can design and produce according to your requirements 3. protect all your private information 4. SMALL orders are avaliable 5. Our experianceed professional at you free service if needed 6. Prompt and safe delivery Products ranges: 1. LED Tube (T5. T8. T10) 2. LED Bulb light 3. LED Panel light 4. LED Spot light 5. LED Ceiling light 6. LED Jewelry light (patented product. widely used in jewellery shop) 7. LED down light Packing & Delivery: Packing detail: Blister bag/ white box/ master carton Delivery detail: 4-7 days for samples, 7-15 days for mass production Model details: High lumens with epistar chip E27 GU10 dimmable 5w led bulb lights
Our certificate: Application: Model pictures: |


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^ funny you should put that picture here, it was the first thing i thought of when i saw your jacket.
only on that guy it looks like a sack of potatoes (i have nothing against the jacket, just on that guy it looks terrible)
At the risk of getting castrated, I ask, how much worse do the lapels look than this ?
Warning: Spoiler! (Click to show)


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NZ dollar up on most currencies as Japan announces stimulus
Article – BusinessDesk
Jan. 22 (BusinessDesk) – The New Zealand dollar rose during the local trading day as market-watchers across Asia waited for a crucial Japanese monetary policy decision.
NZ dollar up on most currencies as Japan announces stimulus
Jan. 22 (BusinessDesk) – The New Zealand dollar rose during the local trading day as market-watchers across Asia waited for a crucial Japanese monetary policy decision.
That decision came just after 5pm and saw the Bank of Japan announce a doubling in the country's inflation target to 2 percent and adoption of a US Federal Reserve-style quantitative easing programme of bond-buying.
Bloomberg reported the moves as the most significant commitment yet to end two decades of deflation in the huge but moribund Japanese economy.
The announcement saw the kiwi dollar fall immediately after the announcement, from 75.55 yen at 5pm to 75.17 yen at 5.20pm, close to the 75.06 yen level recorded at 8am this morning and still up on 74.95 yen on Monday.
By 5pm, the kiwi was at 83.99 US cents, up from 83.63 US cents at 8am, and compared to 83.60 cents at 5pm on Monday.
The yen has been so weak that some traders predicted it could rise on profit-taking after the BoJ's position was known, even if it was negative for the yen.
The European situation looked more settled after Germany's central bank said the nation's economy was showing signs of recovery in the first quarter of the year.
Profit results from US companies will flow when the US market returns from a holiday weekend tonight.
Locally, the Cabinet reshuffle today did not alter finance portfolios so there was not much in it for markets.
The kiwi was at 79.79 Australian cents from 79.50 Australian cents at 5pm on Monday. Australian inflation data on Wednesday will be the catalyst for movements on this cross-rate.
"We continue to draw attention to Australia's plight, in particular the reasons as to why National Australia Bank recently increased the degree of cash rate cutting it expects from the Reserve Bank of Australia," Craig Ebert at BNZ said.
"While this is, at heart, real-economy based, it will be reinforced by any weakness in Australia's Q4 CPI report."
The kiwi was 62.93 euro cents from 62.77 euro cents, and 52.99 British pence from 52.69 pence.
The trade-weighted index was little changed at 75.34 from 75.14 on Monday.
Content Sourced from scoop.co.nz
Original url


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General Info
The Consortium, founded in 1975, has the mission to promote and encourage the contacts between School, University and the labour market characterised by continuous development of technology and professional competencies. For more than twenty-nine years, the Universus - Csei mission has existed to promote training and research activities particularly in the fields of environment, energy, technological innovation, construction management, urban and regional planning, quality assurance, labour safety and management.
Target audience: Programmes are individually tailored for different persons and companies, both in residential and open and distance courses. Masters, short and intensive training courses, part time courses, meetings and conferences are targeted at postgraduates - especially engineers, architects, economists, scientific graduates - and for industrial managers and technicians, especially of SMEs. The expertise of Universus in these fields results from the interaction between the academic world and the commercial world, through a large number of consultants and university teachers that collaborate with the Consortium in all its activities.


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Top Definition
A Voydatch is a giant toad that can leap from buildings and spit acid on passing children they then drop down and release their feces all over the acid and lick it up. There are only a handful of these left in the world as they were man made in a secret lab unknown to the public and i cannot release. If captured they will release an ear piercing shriek that, after five seconds, can make your eardrums explode.
"Did you see that Voydatch jump woah"
by Dr. drummings
October 03, 2013
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One side has the word, one side has the definition. Microwave and dishwasher safe. Lotsa space for your liquids.
Buy the mugThe Urban Dictionary T-Shirt
Smooth, soft, slim fit American Apparel shirt. Custom printed. 100% fine jersey cotton, except for heather grey (90% cotton).
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text:
Salad Maker Free
- Publisher: JING ZHENG
- Genre: Kids
- Released: 28 Jul, 2012
- Size: 49.2 MB
- Price: FREE!
- App Store Info
Who wants a tasty Salad? Build your food up from the bottom!Start by choosing your favourite items. Add fresh lettuce, sauces, tomatoes or a big slice of onion and then put a slice of cheddar in the middle.
With Salad Maker,you can create and customize your own food in your own Kitchen! You can through multiple steps or take a shortcut and create tasty food immediately!
There are thousands of combinations, the only limit is your imagination! Once you're done decorating, devour your creation, and watch it disappear!
Save your Creation to the Gallery and show off your masterpiece to your friends and family!


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I want create online or with some software the graphs of functions like these:
f(x) = x^ν (where v = a given by me, natural number and x to have this format 0.00, 0.01, etc - meaning two only decimal digits)
There is a program called "Graph" that is fairly popular at MHF. It's a free program and you can find it here.
You can also use WolframAlpha.
thanks for your reply
can you tell me how to do it with that Graph program exactly, because I don't seem to make it work
also, that search engine how can it help with my request?
PS: I need the graphs for the function, for v = 1, 2, 3...15
all at the same axis at the same time
Using Graph, select "function" then select "Insert function" then type in x^3, say. Then click "OK" at the bottom. You'll have to put each function in one at a time.
Using WolframAlpha type plot y = x^2 and y = x^3, etc. You might have to wait a moment.
Why do you have to put 15 graphs on one set of axes? That seems ridiculous. You'll never be able to pick out which curve is which!


text:
Nayagarh Phone Number District Level Officers Odisha
In Nayagarh Odisha district, Dist. Employment Officer, DPO, DPRO and others officers have their official contact number. District level officers Phone Number (Tel) helps them to communicate with the resident of the district and perform in the official activities in a superior way. The below table shows detail info of Nayagarh Odisha District Level Officer Phone Number […] Read More


text:
Summary of a productive partnership
the benefits from U.S. participation in the CGIAR
For more than two decades, the United States has been an important player in a global partnership for agricultural research through its investments in the work of the Consultative Group on International Agricultural Research (CGIAR), a network of 16 agricultural research centers around the world. The primary goal of the CGIAR is to alleviate hunger in developing countries, and it has had some major successes in pursuit of this goal. Despite its past preeminence as a supporter of the CGIAR, planned U.S. contributions to the CGIAR totaled only $37.2 million in 1996, down sharply from its level in the 1980s and early 1990s. Cutbacks in research investments can undermine the benefits already gained through crop improvement research, as diseases mutate, pest problems recur, populations grow, and climatic conditions shift. Scientific research must continue apace in order to keep ahead of rapid population growth, shifting consumer demands, and other changing conditions that threaten crop yields.