text: NYSE:MVC MVC Capital Stock Forecast, Price & News Adding Choose a watchlist: Adding You have already added five stocks to your watchlist. Upgrade to MarketBeat Daily Premium to add more stocks to your watchlist. Adding MVC Capital, Inc. Please log in to your account or sign up in order to add this asset to your watchlist. Log In and Add $7.97 +0.16 (+2.05 %) (As of 09/28/2020 12:00 AM ET) Add Compare Share Today's Range$7.93Now: $7.97▼$8.0050-Day Range$6.63MA: $7.87▼$8.1252-Week Range$3.00Now: $7.97▼$10.45Volume55,662 shsAverage Volume49,707 shsMarket Capitalization$141.27 millionP/E RatioN/ADividend Yield8.71%Beta1.85 ProfileAnalyst RatingsChartCompetitorsDividendEarningsFinancialsInsider TradesInstitutional OwnershipHeadlinesOptions ChainSEC FilingsShort InterestSocial Media MVC Capital, Inc. is a business development company specializing in equity, acquisition financing, mezzanine financing, management buyouts, leveraged buildups, corporate partnerships, PIPE transactions, going private transactions, private company recapitalizations, operational turnarounds, and growth and expansion capital transaction financing. The company seeks to invest in mature, small, and middle-market companies. It seeks to invest in companies in the consumer products, business services, industrial manufacturing and services, automotive retailing, energy, food and food service, financial services, insurance, industrial distribution and value-added distribution, medical devices and equipment, specialty chemicals, and security sectors. The company prefers to invest in companies based in the United States. The firm typically invests between $3 million and $25 million for control and non-control stakes in companies with revenues between $10 million and $150 million and EBITDA between $3 million and $25 million. It prefers to be the lead investor in transactions and also co-invests in companies with other private equity sponsors. The company invests in the form of preferred and common equity, and warrants or rights to acquire equity interests; bridge loans; term loans; debt; cash flow loans; senior and subordinated loans; convertible securities; venture capital; mezzanine; and private equity investments. It exits its investments in the form of maturity of loan, public offering, sale, mergers and acquisitions, and financial recapitalizations. It prefers to take majority stake in companies.Read More Beat the Market (BTM) Rank™ 3.0 Analyst's Opinion Consensus RatingMVC Capital has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on no buy ratings, 1 hold rating, and no sell ratings.Price Target Upside/DownsideAccording to analysts' consensus price target of $13.00, MVC Capital has a forecasted upside of 63.1% from its current price of $7.97.Amount of Analyst CoverageMVC Capital has received no research coverage in the past 90 days. Previous Next 2.3 Community Rank Outperform VotesMVC Capital has received 137 "outperform" votes. (Add your "outperform" vote.)Underperform VotesMVC Capital has received 162 "underperform" votes. (Add your "underperform" vote.)Community SentimentMVC Capital has received 54.18% "underperform" votes from our community.MarketBeat's community ratings are surveys of what our community members think about MVC Capital and other stocks. Vote "Outperform" if you believe MVC will outperform the S&P 500 over the long term. Vote "Underperform" if you believe MVC will underperform the S&P 500 over the long term. You may vote once every thirty days. Previous Next 1.7 Dividend Strength Dividend LeadershipMVC Capital is a leading dividend payer. It pays a dividend yield of 8.71%, putting its dividend yield in the top 25% of dividend-paying stocks.Dividend GrowthMVC Capital has only been increasing its dividend for 1 years.Dividend CoverageThe dividend payout ratio of MVC Capital is 104.62%. Payout ratios above 75% are not desirable because they may not be sustainable.Dividend SustainabilityBased on EPS estimates, MVC Capital will have a dividend payout ratio of 141.67% in the coming year. This indicates that MVC Capital may not be able to sustain their current dividend. Previous Next 1.0 Company Ownership Insider Buying vs. Insider SellingIn the past three months, MVC Capital insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $3,776,788.00 in company stock.Percentage Held by InsidersOnly 10.04% of the stock of MVC Capital is held by insiders.Percentage Held by Institutions49.29% of the stock of MVC Capital is held by institutions. High institutional ownership can be a signal of strong market trust in this company. Previous Next 0.6 Earnings and Valuation Earnings GrowthEarnings for MVC Capital are expected to decrease by -22.58% in the coming year, from $0.62 to $0.48 per share.Price to Earnings Ratio vs. the MarketThe P/E ratio of MVC Capital is -3.99, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.Price to Earnings Ratio vs. SectorThe P/E ratio of MVC Capital is -3.99, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.Price to Book Value per Share RatioMVC Capital has a P/B Ratio of 0.78. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities. Previous Next Analyst Opinion: 3.0Community Rank: 2.3Dividend Strength: 1.7Insider Behavior: 1.0Valuation: 0.6 5 -4 -3 -2 -1 -Overall Beat the Market Rank™1.72 out of 5 stars Industry, Sector and Symbol Stock Exchange NYSE Industry Investment offices, not elsewhere classified Sub-IndustryAsset Management & Custody Banks SectorFinance Current SymbolNYSE:MVC Previous Symbol CUSIP55382910 CIK1099941 Webwww.mvccapital.com Phone914-701-0310Debt Debt-to-Equity RatioN/A Current Ratio2.76 Quick Ratio2.76Price-To-Earnings Trailing P/E RatioN/A Forward P/E Ratio12.85 P/E GrowthN/A Sales & Book Value Annual Sales$30.55 million Price / Sales4.62 Cash Flow$0.03 per share Price / Cash Flow285.43 Book Value$10.18 per share Price / Book0.78Profitability EPS (Most Recent Fiscal Year)$0.65 Net Income$16.32 million Net Margins-120.96% Return on Equity5.22% Return on Assets3.31%Miscellaneous EmployeesN/A Outstanding Shares17,725,000Market Cap$141.27 million Next Earnings Date1/12/2021 (Estimated) OptionableOptionable $7.97 +0.16 (+2.05 %) (As of 09/28/2020 12:00 AM ET) 30 days | 90 days | 365 days | Advanced Chart Receive MVC News and Ratings via Email Sign-up to receive the latest news and ratings for MVC and its competitors with MarketBeat's FREE daily newsletter. MVC Capital (NYSE:MVC) Frequently Asked Questions How has MVC Capital's stock price been impacted by COVID-19? MVC Capital's stock was trading at $8.55 on March 11th, 2020 when COVID-19 reached pandemic status according to the World Health Organization (WHO). Since then, MVC shares have decreased by 6.8% and is now trading at $7.97. View which stocks have been most impacted by COVID-19. Do Wall Street analysts recommend investors buy shares of MVC Capital? 1 Wall Street analysts have issued "buy," "hold," and "sell" ratings for MVC Capital in the last year. There are currently 1 hold rating for the stock, resulting in a consensus recommendation of "Hold." View analyst ratings for MVC Capital. When is MVC Capital's next earnings date? MVC Capital is scheduled to release its next quarterly earnings announcement on Tuesday, January 12th 2021. View our earnings forecast for MVC Capital. How were MVC Capital's earnings last quarter? MVC Capital, Inc. (NYSE:MVC) issued its earnings results on Wednesday, September, 9th. The investment management company reported $0.05 earnings per share for the quarter, missing the consensus estimate of $0.14 by $0.09. The investment management company earned $5.78 million during the quarter. MVC Capital had a positive return on equity of 5.22% and a negative net margin of 120.96%. View MVC Capital's earnings history. How often does MVC Capital pay dividends? What is the dividend yield for MVC Capital? MVC Capital declared a quarterly dividend on Wednesday, July 15th. Stockholders of record on Friday, July 24th will be paid a dividend of $0.17 per share on Friday, July 31st. This represents a $0.68 dividend on an annualized basis and a dividend yield of 8.53%. The ex-dividend date of this dividend is Thursday, July 23rd. View MVC Capital's dividend history. What price target have analysts set for MVC? 1 Wall Street analysts have issued 1 year price targets for MVC Capital's shares. Their forecasts range from $13.00 to $13.00. On average, they anticipate MVC Capital's share price to reach $13.00 in the next year. This suggests a possible upside of 63.1% from the stock's current price. View analysts' price targets for MVC Capital. Are investors shorting MVC Capital? MVC Capital saw a increase in short interest in the month of September. As of September 15th, there was short interest totaling 55,000 shares, an increase of 210.7% from the August 31st total of 17,700 shares. Based on an average daily volume of 50,700 shares, the short-interest ratio is currently 1.1 days. Approximately 0.4% of the shares of the stock are sold short. View MVC Capital's Short Interest. Who are some of MVC Capital's key competitors? Some companies that are related to MVC Capital include BlackRock (BLK), Bank of New York Mellon (BK), T. Rowe Price Group (TROW), State Street (STT), Ameriprise Financial (AMP), Northern Trust (NTRS), Franklin Resources (BEN), SEI Investments (SEIC), Ares Capital (ARCC), Invesco (IVZ), Legg Mason (LM), Eaton Vance (EV), Affiliated Managers Group (AMG), Cohen & Steers (CNS) and Golub Capital BDC (GBDC). View all competitors. What other stocks do shareholders of MVC Capital own? Based on aggregate information from My MarketBeat watchlists, some companies that other MVC Capital investors own include InterDigital Wireless (IDCC), AGNC Investment (AGNC), Stag Industrial (STAG), AT&T (T), Main Street Capital (MAIN), Energy Transfer LP Unit (ET), Vector Group (VGR), Apollo Investment (AINV), Enbridge (ENB) and Exxon Mobil (XOM). Who are MVC Capital's key executives? MVC Capital's management team includes the following people: Mr. Michael Theodore Tokarz CPA, Chairman, Principal Exec. Officer & Portfolio Mang. (Age 70)Mr. Scott Joseph Schuenke CPA, MBA, Chief Financial Officer (Age 39)Ms. Jaclyn Lauren Shapiro-Rothchild, VP & Corp. Sec. (Age 40)Mr. Kevin M. Byrne, Chief Compliance Officer (Age 59)Ms. Shivani Khurana, MD & Member of Investment Team What is MVC Capital's stock symbol? MVC Capital trades on the New York Stock Exchange (NYSE) under the ticker symbol "MVC." How do I buy shares of MVC Capital? Shares of MVC can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Vanguard Brokerage Services, TD Ameritrade, E*TRADE, Robinhood, Fidelity, and Charles Schwab. What is MVC Capital's stock price today? One share of MVC stock can currently be purchased for approximately $7.97. How big of a company is MVC Capital? MVC Capital has a market capitalization of $141.27 million and generates $30.55 million in revenue each year. The investment management company earns $16.32 million in net income (profit) each year or $0.65 on an earnings per share basis. What is MVC Capital's official website? The official website for MVC Capital is www.mvccapital.com. How can I contact MVC Capital? MVC Capital's mailing address is 287 Bowman Avenue 2nd Floor, Purchase NY, 10577. The investment management company can be reached via phone at 914-701-0310 or via email at [email protected] This page was last updated on 9/29/2020 by MarketBeat.com Staff 30 Days of MarketBeat All Access for $1.00 Sign up for MarketBeat All Access to gain access to MarketBeat's full suite of research tools: Best-in-Class Portfolio Monitoring View the latest news, buy/sell ratings, SEC filings and insider transactions for your stocks. Compare your portfolio performance to leading indices and get personalized stock ideas based on your portfolio. Stock Ideas and Recommendations Get daily stock ideas top-performing Wall Street analysts. Get short term trading ideas from the MarketBeat Idea Engine. View which stocks are hot on social media with MarketBeat's trending stocks report. Advanced Stock Screeners and Research Tools Identify stocks that meet your criteria using seven unique stock screeners. See what's happening in the market right now with MarketBeat's real-time news feed. Export data to Excel for your own analysis. Start Your Risk-Free Trial Subscription Here Questions? Get Started with MarketBeat — Read Your Daily NewsletterCheck Out My MarketBeatWatch Our Tutorial VideosAdd a Stock to Your WatchlistSet Up an Instant AlertView a Company's Profile PageView Our Financial CalendarsView Today's Analyst Ratings


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Factsheet - Debble Ideation
Innovation is essential for business continuity. Drive innovation by allowing your number one asset to share and develop their great ideas.
With Debble Ideation we offer a platform in which employees can generate ideas, create challenges, collaborate on ideas and bring their ideas to life! Challenge your people and innovate by getting the best ideas out of your greatest asset: your workforce.
In this factsheet we list all the functionalities of Debble Ideation, show you what it looks like and describe all the technical requirements. And of course Debble Ideation is 100% mobile.
Digital idea platform
So in short, with Debble Ideation you can:
- Create ideas and challenges
- Develop your ideas and collaborate with coworkers
- Share documents, images and interact in social conversations
- Connect ideas and challenges with categories
- Organize ideas by giving them a status and adjust it to the internal innovation program
Download the factsheet
Download the factsheet and read all about Debble Ideation.

subset: commoncrawl


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Welcome to Oracle Communities
Register and Participate in Oracle's online communities. Learn from thousands of experts, get answers to your questions and share knowledge with peers.
Choose a layout and drag widgets onto your Overview Page to customize it. Widgets placed on the page below can be configured by selecting the symbol.
Welcome to the Oracle XE Community! You are in the right place if you have a question or enhancement request regarding Oracle XE, or if you just want to take a moment and help others.


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Archive for June, 2017
Property Tax Reduction Makes Property Manager Look GoodPosted by: | Comments
I recently finalized a property tax appeal on behalf of a commercial property owner. The result was a $23,000 reduction in the property tax bill. Since this was a property that is leased on a full service basis, the reduction directly increased the net operating income. Using a simple 9% cap rate would indicate that the market value increased by about $255,000 as a result of the successful appeal. Who referred the opportunity to me? The property manager did, and it only took about ten minutes of her time. Obviously the property owner was very pleased, and I am pretty sure that the property manager strengthened her relationship with the owner.
Please let me know if you would like for me to review the property tax situation on a South Carolina commercial property. I have worked with owners of properties in all regions of the state.
Michael Dodds, MAI, CCIM firstname.lastname@example.com 803-960-8783
Disney Sues over Property AssessmentsPosted by: | Comments
Walt Disney Parks and Resorts are suing over their property tax assessments from 2016, calling them "excessive."
Disney filed nearly a dozen lawsuits at the end of last month in Orange Circuit Court, arguing the assessments by Orange County Appraiser Rick Singh exceeded their properties' fair market value and incorrectly "included the value of certain intangible property in the assessments."
"The increases in the assessments of our property are unreasonable and unjustified," a Disney spokesperson said in a statement. "Similar to other property owners in Orange County, we have no choice but to take action to dispute these errors by the property appraiser. We look forward to presenting our case in court."
It's not the first time the theme parks have sought to reduce their land values. In October, SeaWorld, Universal Orlando and Disney sued Singh, arguing their properties' taxes were too high.
Charlotte Self Storage Supply to Increase 6.8%Posted by: | Comments
There are 22 new self storage facilities under construction in the the Charlotte, NC MSA, which would represent a 6.8% increase in total existing supply if all projects were completed. This is the 14th largest increase in the nation according to The Pipeline Report, which is published by STR.
Are Zillow Zestimates Actually Appraisals With a "Z"?Posted by: | Comments
When Barbara Andersen listed her home for sale in Glenview, Illinois, this was not the first time that the real estate litigation attorney had listed her home for sale, with an asking price listed well above its Zestimate value. Anderson alleges that Zillow's estimates have severely impacted her ability to sell and that the property is being unfairly calculated based upon inferior surrounding real estate that was built within a close proximity to a graveyard, and also located nearby a "less desirable" golf course.
The key allegations of the complaint are the poor quality of the real estate website's estimates, and the problematic influence over prospective buyers viewing these estimates. According to paragraph 13 of the complaint "a tremendous roadblock to same has been the fact the Zillow posts a 'Zestimate' of person's homes without their permission, consent and/or any license to do so." Further, she alleges that Zillow's Zestimate is "a sloppy computer-driven appraisal of the home."
Myrtle Beach Hotel Sold for $45,075/RoomPosted by: | Comments
Lodging Partners, LLC has announced it has arranged the sale of the Quality Inn & Suites Myrtle Beach, South Carolina. The 66-Unit, two-story Quality Inn & Suites Myrtle Beach is very well located directly across the street from the Atlantic Ocean and within walking distance to Family Kingdom Amusement Park, Splashes Water Park, and the Myrtle Beach Boardwalk. The Hotel, which sold for the $2,975,000 asking price, was acquired by a regional hotel investor.
Ford C. Barton, Principal, exclusively represented the seller, a locally-based group, on this transaction. "We have known and worked with the Seller over many years, and we're delighted to have structured a very successful sale of this asset at the full asking price," noted Ford Barton.
Ziff Properties Sells Savannah Parking GaragePosted by: | Comments
Ziff Properties Inc. has sold the Manger Parking Garage, a 420-space parking structure located at 115 E. Congress St. in Savannah. A local buyer purchased the asset for $20 million. Ziff Properties has retained the historic Manger Building, an adjacent 118,059-square-foot office building located at 7 E. Congress St.
Todd Casper and Michael Hassler of CBRE's Houston office represented Ziff Properties in the transaction.
300 Acres on Lake Wylie to be DevelopedPosted by: | Comments
Duke Energy is selling a major piece of property along Lake Wylie.
Residents in the Concord Road area received an invitation to a June 7 open house to discuss plans. Duke officials said they will answer questions during a 5-7 p.m. drop-in at the Clover School District Community YMCA.
The invitation shows a site that, according to county land records, is about 300 acres. It doesn't specify how much of the property might be sold, or what type of land use the sale might involve. Current zoning is medium density residential. It allows for a variety of residential uses from single-family to patio homes, townhomes and apartments.
"Like other businesses, Duke Energy continuously evaluates the best use of its assets, including real estate," said company spokesperson Sara Collins. "We own a tract of land on Concord Road that we determined we no longer need for business purposes, including electric generation. Through a land-use analysis, we explored several options for this property and, ultimately, decided the best use is to sell the property."


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Authorization. The person or entity named in this application
("Participant") represents that it
is the owner and/or manager of the building(s) specified in this application
(the "Building"). Further, the
person who submits this application represents that he or she is authorized to
enter into and perform this Agreement on behalf of Participant including,
without limitation, to provide the information and access, and perform other duties
required for participation in Elevate Energy's Full-Service Energy Efficient Building Services Program
(the "Program").
Program Terms and
Agreement. By submitting this application, I agree that
I am entering into a legally binding agreement with Elevate Energy, an Illinois
not-for-profit corporation ("Elevate",
"we" or "us"), and that I am subject to the terms and conditions set forth
in this application (these "Terms").
Any reference to "Participant", "you"
or "your" in these Terms shall mean
the Participant named herein and anyone acting on Participant's behalf
including any officer, director, employee, contractor, agent, attorney,
representative, heir, executor, administrator, insurer, assign, successor,
tenant, licensee, invitee, occupant or any other person or entity. Any
reference to "we", "us" or "our" shall mean Elevate Energy including its officers, directors,
employees, agents, contractors, affiliates, successors and/or assigns.
Cooperation. You agree that your cooperation in the Program, including
providing access to energy billing records and those areas and systems of the Building
requested by Elevate, in its reasonable discretion, is crucial to the success
of the Program. You further agree to cooperate, provide information and access in a timely manner.
Your Information. Participant agrees that Elevate may use any
data or information Elevate obtains as a result of Participant's participation
in the Program including, without limitation, your utility account data
including the Utility Data as defined below, information we may obtain as the
result of the assessment, a site visit or information you may otherwise provide
("Data") for any Program purpose
including, without limitation, performing our work in connection with the Program,
assessing the Program, conducting research, developing new programs, services
and/or products and obtaining additional funding in support of Elevate's work.
We may also use your personal information to contact you about the Program or
other programs that we administer. We may share Data and/or your personal
information with other organizational partners, agencies and vendors working
with Elevate including, without limitation, our funders, housing finance
agencies and other organizations involved in the Program (each a "Program Affiliate"). In addition, we
may share your personal information to comply with law or legal requirements,
enforce or apply these Terms and other agreements, or to protect our rights or
property or to protect the safety of us or others. We will not make any of your
personal information available to non-Program Affiliates unless it is
de-identified and/or aggregated in a manner that prevents you from being
identified. Participant may revoke this Data access authorization at any time
by making a request in writing to Elevate, provided, however, that, except as
otherwise provided in these Terms, you acknowledge that such revocation will be
prospective and will result in termination of your participation in the
Utility Data
Authorization. You understand that Elevate seeks access to Participant's
utility usage information for each of the utility accounts you provided above
or otherwise provided by you in connection with the Program (collectively the "Utility Data"). The Utility Data may
include your utility bill history, utility usage levels (including but not
limited to, electricity usage levels for distinct time periods no longer than
60 minutes to the extent that information has been recorded and retained by
your electricity utility provider) and other information provided by each
utility for which you've provided an account number above.
With respect to your electricity usage information, you authorize
your electricity utility to provide your electricity usage information to
Elevate solely for the purpose of participating in the Program as specified in
these Terms. Elevate acknowledges that you do not authorize use of the Utility
Data for purposes other than those explicitly authorized in these Terms.
Elevate may disclose your Utility Data to its contracted third party vendors or
its affiliates for this purpose only. Elevate, its affiliates and its
third-party vendors will not sell or license your electricity usage information
to any other party for any purpose.
You authorize the utilities specified above to provide
Elevate your Utility Data, which may include electricity usage information for
the previous 24 months as well as 24 future months.
This authorization to access and use your Utility Data will
expire (a) immediately upon the occurrence of any legally mandated expiration
which, for your electricity usage information, is 24 months after your
submission of this application to Elevate, or (b) upon notification by you to
Elevate or to the relevant utility that you have revoked Elevate's
authorization to access your Utility Data.
You understand that you can report any concerns about your
rights under this authorization and Elevate's or the relevant utility's
compliance with its duties under this disclosure to:
Program Term. Elevate may terminate the Program, or your
participation in the Program, at any time upon notice to you. You may terminate
your participation in the Program at any time upon written notice to us. The
provisions of these Terms that, by their nature, should survive expiration or
termination of the Program or your participation in the Program, shall survive
including, without limitation, Elevate's rights in and to any environmental
attributes and to Data obtained prior to the date of expiration or termination.
Disclaimer. Participant
acknowledges that energy and/or cost savings are subject to a number of
variables over which we have no control including, without limitation, fuel
prices, weather, occupant behavior, maintenance activities and additional
factors. Elevate makes no representation or warranty of any kind including,
without limitation, that your participation in the Program will result in
reduced energy consumption, energy use savings, reduced building operating
costs, any benefit of any kind; of the accuracy or completeness of any
information, data, reports or other materials in whatever form or format; or of
the continued safety, performance or cost-effectiveness of any information,
materials, equipment, product, system, facility, procedure or policy discussed,
provided or recommended by us. Use of or reliance on any of the foregoing by
Participant is at Participant's sole risk.
Limitation of
Liability; Indemnification. Elevate
shall not be liable for injury to or death of any person or damage to any property
(including the Building) in connection with the Program or otherwise, except to
the extent caused by the sole gross negligence or willful misconduct of
Elevate. You agree to indemnify Elevate and hold it forever harmless from and
against any loss, cost, damage or expense, including reasonable attorneys' fees
and costs, arising out of or relating to your participation in the Program
and/or Participant's acts or omissions. IN NO EVENT WILL ELEVATE BE LIABLE FOR
Insurance. You agree that you have and will maintain
during the Program term adequate liability insurance in the forms and amounts
standard for operation of the Building and sufficient to protect Participant
and any party to whom you have an obligation to indemnify under these Terms.
Upon request, you will furnish to Elevate insurance certificates evidencing such
Attributes. You agree that Elevate
shall receive all current and future environmental attributes associated with
your participation in the Program, of any kind or nature, including but not
limited to renewable energy credits or certificates, emission credits or
allowances, carbon credits or any other credit(s) or allowance(s) resulting
from the services performed by Elevate Energy, including any work or services
recommended by Elevate Energy and performed by a third party. You agree to execute any additional
documentation reasonably required to confirm Elevate Energy's right in and to
such environmental attributes.
Contractors. The parties are and shall be independent contractors to one
another, and nothing herein shall be deemed to cause these Terms to create an
agency, partnership, joint venture, employee-employer or principal-agent
relationship between the parties.
Entire Agreement;
Modification. These Terms set forth the
entire agreement between you and Elevate with respect to the Program. Any prior
agreements, whether written, oral or otherwise expressed are superseded by
these Terms. From time to time, we may modify these Terms We will notify you of
any material changes by email sent to the email address we have on file for
you. Your continued participation in the Program upon any such modification
will affirm your agreement to these Terms, as modified. You agree that your
participation in the Program will comply with all applicable laws, rules,
ordinances and regulations including, without limitation any law and/or
regulation regarding operation of the Building. Neither the course of conduct
nor trade practice will act to modify these Terms. These Terms do not confer
any third-party beneficiary rights.
Assignment. You
will not assign or delegate any obligations hereunder, in whole or in part,
whether voluntarily or by operation of law, without the prior written consent
of Elevate. Any purported assignment or delegation by you without the
appropriate prior written consent of Elevate will be null and void. Elevate may
assign these Terms or any rights hereunder without your consent.
Severability. If any provision of these Terms is found by a
court of competent jurisdiction to be invalid or otherwise unenforceable, the
parties nevertheless agree that such portion will be deemed severable and will
not affect the validity and enforceability of the remaining provisions, which
will remain in full force and effect.
Governing Law. The Program, including these Terms shall
be in all respects governed by and construed in accordance with the laws of the
State of Illinois without regard to the conflict of law provisions thereof.
Contact Information
322 S. Green St., Suite 300 • Chicago, IL 60607 | Phone: (773) 269-4037 • Fax: (888) 335-3261
322 S. Green St., Suite 300 Chicago, IL 60607Phone: (773) 269-4037 Fax: (888) 335-3261


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How to Clean Micro Suede
Microsuede, also known as microfiber, is a fabric often used on furniture because of its durability, as well as its stain resistance and water repellent qualities. Microsuede is constructed from thin strands of polyester fiber and often is made to have the appearance of suede or leather. Generally, microsuede is easy to clean with the right cleaning product. Rubbing alcohol and clear alcohol, such as vodka, are excellent for cleaning small spots. For larger cleaning jobs, microfiber cleaning solutions such as Guardsman Afta and American Home K2R Spot Remover are recommended.
Prepare the area to clean on the microsuede object. Brush the soiled area with a carpet brush or toothbrush to remove any small loose particles.
Pour a small amount of cleaning solvent or alcohol onto the sponge or cloth.
Dab the soiled area of the micro suede piece with the dampened cloth or sponge.
Blot the dampened area with a dry cloth until dry to the touch. Allow the spot to air dry.
Inspect the spot after dry. If more cleaning is needed, repeat the process until the stain has been completely removed.
Things You Will Need
- Cleaning solvent or alcohol Sponge or cloth Dry cloth
- Check the tags on microsuede furniture. The following list explains the cleaning codes: S = clean with solvent only W = may be cleaned with water SW = solvent or water may be used X = dry clean only
- The tag instructions must be followed to keep the warranty in tact and ensure the cleaning does not damage the fabric. If no tag is available, test the cleaning process on a piece of fabric that is not visible. Never ever use nail polish remover on microsuede! Soap and water is not generally recommended for cleaning most microsuedes because soaked-in water may leave rings and water spots.


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The history of biology is littered with horrifying examples of the misuse of genetics (and evolutionary theory) to justify power and inequality: evolutionary justifications for slavery and colonialism, scientific explanations for rape and patriarchy, and genetic explanations for the inherent superiority of the ruling elite.
We affirm our position again against terror and violence. We will continue to fight the scourge of terrorism against humanity and reject the culture of extremism and violence in any form or shape, from whatever source or place, regardless of justifications or motives, being fully aware of their danger as a plague that threatens the peace and stability of the whole world.We will use all the power of the law to prevent support reaching illegal organizations, including terrorist groups.hosni mubarak
Whatever may be the justifications for other statutes regulating obscenity, we do not think they reach into the privacy of one's own home. If the First Amendmen means anything, it means that a State has no business telling a man, sitting alone in his own house, what books he may read or what films he may watch. Our whole constitutional heritage rebels at the thought of giving government the power to control men's minds.
Like the intricately rational web of theology woven around the irrational mysteries of faith, the sober explanations of institutions for hoarding literary relics seem like elegant post-factum justifications for what is essentially a sense of sacred awe. An institution of learning seeks significant manuscripts because they possess qualities that scholarship cannot entirely reproduce an authentic, holistic connection with the great writers of the past. It is not the intellectual content of the manuscript that is important but its material presence ink spots, tobacco stains, pinworm holes, and foxing included.dana gioia
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Bubby Rose's Bakery & Café began in 2002. We have built our reputation on an everything matters philosophy. As such we are a favourite with locals as well as visitors looking for great baked goods, breakfast, snacks, lunch and fine coffees, teas and cold beverages.
Address: 1022 Cook Street
Phone: 250.472.8229
Check out Bubby Rose's Bakery Café's websiteShare


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"When Comics Went Underground," our underground comix exhibit at MCLA Gallery 51, got off to a lively start on Thursday the 28th with a well-attended reception. It began with a panel discussion featuring three of us veteran undergrounders swapping stories about our youthful cartooning escapades while MCLA's Gregory Scheckler provided an overview, both from his perspective as an arts educator and as an occasional cartoonist himself.
As things worked out, our core of comix insiders got expanded. Denis Kitchen, Gary Hallgren, and I had been slated from the first to share our reflections about the hippie comix scene of the 1960s and '70s, but through a stroke of good luck another undergrounder, Skip Williamson, was in the area and able to join the festivities at the last minute.
Serving as the panel's moderator was North Adams author and journalist John Seven, whose own secret identity as a post-underground alt-comics creator is manifested by some sample online episodes of Very Vicky, the series John created in the 1990s with his wife and frequent collaborator Jana Christy.
Inset below: Gallery manager and artist Ven Voisey seen alongside a print of "A Short History of America," one of R. Crumb's best known works.
Above: My own contributions to the show are "Creepy Snuff Porn," a three-page orgy of aggression against the Meese Commission on Pornography, and a lighthearted Barefootz strip about abortion among cockroaches.
Below: Our panel in progress (minus Greg Scheckler, who unfortunately was delayed by faculty responsibilities at MCLA and hadn't arrived when this picture was taken). Panelists who are on view here are, from left to right, me, Gary Hallgren, John Seven, Denis Kitchen, and Skip Williamson.
The show will remain on view at Gallery 51 through November 28, so if you're near North Adams but didn't make it to the reception, you can still catch the exhibit (the gallery is open daily from 10-6). And on two of the month's Monday evenings you can catch free screenings of important comics-related films.
First up (later today, in fact: on Monday the 8th) is the critically acclaimed and unforgettable documentary Crumb. I haven't seen this fascinating flick for quite a while and am all jazzed to see it again.
Then a week from today (Monday, Nov. 15) comes our screening of the 1989 documentary Comic Book Confidential, which offers a broader survey of the comics scene, both mainstream and underground.
Both of these screenings begin at 7 PM and are free to all comers.
A Nostalgic Portfolio
Anyone who's interested in having a peek at some of the color drawings I'm fondest of from the last couple of decades is welcome to click through the Facebook album I posted this week. It's called "Thirty Favorite Illustrations."
Now that print is dying and I'm not in the New York City illustration loop anymore, art directors don't ring me up for these kinds of gigs so often. That makes for a less stressful professional life these days, but there was something to be said for getting to occasionally roll out goofy drawings of everything from anthropomorphic potatoes to automobiles with hygiene issues.
And One For the Comics Fans
Maybe you need to be a comics aficionado to get a buzz from the mere mention of Alan Moore, that most un-mainstream of the mainstream comics writers.
In 1973 my interest in "regular" comic books (as opposed to underground ones) had seemingly been battered beyond repair by the Marvel superhero onslaught of the 1960s. At the time I was getting my intellectual nutrition pretty exclusively from the undergrounds I purchased at an Atlanta head shop and my other great passion, theatre.
An Atlanta friend and comics fanziner named Steve Fritz wouldn't rest, though, until I gave mainstream comics a fresh look, and it was the copies of Moore's consciousness-expanding reinvention of DC Comics' Swamp Thing (as superbly illustrated by Stephen R. Bissette and John Totleben) that he persisted in waving at me that finally did the job—at least as far as this particular title was concerned.
Why am I suddenly mentioning Alan Moore out of the blue? Well, it's because I would have included the drawing below (which affectionately tweaks Moore's Swamp Thing run) in my Thirty Favorite Illustrations roster if I hadn't chosen to limit the field to color drawings this time around.
But it's still a favorite, so I'm appending it here while I'm feeling sentimental about some of my drawings from the past.
I drew it back in 2003 as my contribution to a benefit anthology called Alan Moore: Portrait of an Extraordinary Gentleman, which was both a tribute to Moore and a fundraising instrument for Alzheimer's-related charities. According to the book's publisher, British comics creator Gary Spencer Millidge, the anthology "raised over $36,000" to combat the disease it was targeting before going out of print in 2007.
Hey, here's stuff of mine that you can buy!
Click a cover below to learn about my latest books.
…and click here to visit my
Cruse Goodies merchandise shop
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Was talking to Justin at the San Diego and he decided that walking through a new twist on Power Apps and Power BI integration was a must do and Forms processing would be a close second....If we have time i would love the group to also have a go at building a Power Virtual Agent Bot....
All those directions below:
I have created accounts for every one to use:
email@example.com through email@example.com
Lab 1
Creating dynamic Power BI Tiles in PowerApps
Lab 2:
AI Builder Forms Processing
Optional 3:
Creating a Power Virtual Agents bot in 10 easy steps!
Lab 4 (Optional):
Object Detection with AI Builder
for testing
You must be a registered user to add a comment. If you've already registered, sign in. Otherwise, register and sign in.


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Lust. Top 266 Wargame Analysis.
- David Dockter(Herr Dr)United States
In June, I performed an analysis of the Top 266 Wargames according to BGG (Top defined as a wargame with at least 100 ratings) and authored a 33 page report regarding the analysis. Recently, I updated that analysis and have began to examine other items of interest contained in the Top 266 Wargame database. One item, was that these games get an average of 1 new rating a week. Consequently, the new hurdle rate is 113 ratings (20 new games passed the 100 mark, so I'll be pruning the database to reflect a few new entries and remove a few games that failed to keep pace).Recommend
This list takes the Top wargames and examines the relationship between the number of BGGer's wanting to trade the game and the number of BGGer's wanting to acquire the game; believing that this relationship would be THE rating i.e. Do you want the game, or do you want to get rid of it? Essentially, the LUST Ratio.
Top on the list - no surprise: A WWII East Front Tactical game that was also recently the Top rated wargame: Conflict of Heroes. ONE person wanting to trade it vs 170 BGGers lusting after it: a lust ratio of 0.01 (1/170)
I've listed the ratio's for the other top wargames (ratio = # of BGGers trading it vs # of BGGers wanting to acquire the game). The lower the ratio, the higher the lust for the game.
At least 40 BGGers had to want the game for it to be included on this list.
Seven of the 25 games are Card Driven Wargames and seven of the wargames have a game weight of 3.74 or more - true heavyweights. Only 2 wargames on the list before 2001: We the People and Breakout Normandy (although Russian Campaign v4 is of course an update of that classic we grew up on during the 70's).
13 games were published between 2005 > 2008. Only 2 multiplayer games on the list - and both CDWs: HIS and SOR. 12 WWII games (WWII seems to always be 50% of the hobby - however one cuts the analysis). 14 strategic level games.
Good mix of publishers (8 different ones), with GMT (6) leading the way and MMP (4) in second place.
Some correlations: -0.35 between age and lust ratio (makes sense, the classics just don't the love they deserve anymore), -0.51 between lust ratio and overall BGG rating (should be higher than that you would think) and -0.01 between lust ratio and game weight (no relationship).
The Top 266 wargame analysis discussion board is here:
..and the 33 page analysis is here:
...and a discussion board on BGG related to the Top 266 Wargame analysis
I've also put together a list that is the flipside of this one: those games that have the highest ratio of trade to want; the you don't love me anymore list:
- Edited Thu Sep 11, 2008 11:25 pm
- Posted Wed Sep 10, 2008 8:19 pm
- [+] Dice rolls


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The available music systems come with convenient speakers that allow you to enjoy music inside or outside your tub. Simply flip them up when you're inside the tub, or flip them down so that speakers point outward when you're enjoying your personal playlists outside the tub.
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Mon.-Fri. 8am-4pm
Sat. 10am-4pm
Closed Sundays
Get Directions


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Hello and Welcome All!
Today I'm very lucky to be interviewing Tena Stetler author of Mystic Maples.
Hi Tena, thank you for agreeing to this interview.
How do you relax?
Reading when I get a chance. Taking my dog for a long wall, hiking in the mountains and camping during the spring through fall. Do a little Kayaking too.
What are some books you have enjoyed recently?
Sweet Tea and Sympathy by Molly Harper, Player One by Ernest Cline, Several of The Deerbourne Inn Series books by Donna Simonetta.
For your writing where do you get your ideas?
My overactive imagination and sometimes from events I witness stir my muse. Okay I admit that sometimes my dreams contribute to my books.
Is there any particular author or book that influenced you in any way either growing up or as an adult? I loved the Trixie Beldon series and Nancy Drew books growing up. Yep, I still have all the series on a special place on my bookshelves. Also love the Harry Potter books. As far as an adult, I enjoy Deborah Harkenss, Linda Howard and Molly Harper.
Mystic Maples…..
Please share a few Fun facts about this book:
Earth/Fire witch Mercy Rose's insatiable curiosity always gets her in trouble. Silvanus Forrest's gypsy/fae heritage is a double-edged sword. When Mercy Rose can't help but snoop in Sil's renovated barn, she learns secrets that could change her life forever not to mention Sil's.
MYSTIC MAPLES is part of a multi-author Deerbourne Inn Series set in Willow Springs, Vermont.
Before writing this book I researched how maple syrup is made from the sap of Sugar Maple trees. Fascinating process.
Please share the opening lines of this book:
How the hell had it all gotten so out of control? Mercy sat at the kitchen table of her beloved cottage in the Colorado Rocky Mountains staring at several purple wheeled suitcases tossed by the door. The warm golden rays from the sun spilled across the table. She slipped her hand in the bright patch. It felt so good.
A cheerful melody brought her out of her funk. At least that's what her sister and business partner had called it. She picked up her phone and swiped the screen. "Hi, sis."
"Gee, don't sound so enthused. Are you ready for the adventure of a lifetime?" Hope chirped.
Without revealing too much, what is your favorite scene in the book and why?
When Silvanus finally allows Mercy to see what is hidden in the old part of the renovated barn. She promises not to touch anything—Of course she does and her actions set into motion a series of events she has no control over and Silvanus has no idea what to do about.
Thank you very much for taking the time out of your busy schedule to take part in this interview.
With the Rocky Mountains outside her window, she sits at her computer surrounded by a wide array of witches, shapeshifters, demons, faeries, and gryphons, with a Navy SEAL or two mixed in telling their tales. Her books tell stories of magical kick-ass women and mystical alpha males that dare to love them. Travel, adventure and a bit of mystery flourish in her books along with a few companion animals to round out the tales.
Colorado is home; shared with her husband of many moons, a brilliant Chow Chow, a spoiled parrot and a forty-five-year-old box turtle. When she's not writing, her time is spent kayaking, camping, hiking, biking or just relaxing in the great Colorado outdoors. During the winter you can find her curled up in front of a crackling fire with a good book, a mug of hot chocolate and a big bowl of popcorn.
Website – Authors' Secret's Blog – My Say What Blog – Facebook – Twitter – Goodreads – The Wild Rose Press – Amazon – Newsletter – Pinterest – Tribber – Bookbub – Instagram – BookGorilla
by Tena Stetler
GENRE: Paranormal Romance
Earth/Fire witch Mercy Rose's insatiable curiosity always gets her in trouble. After a break-in at her Colorado flower shop, and a court battle that comes to a screeching halt in her favor, she arrives at Deerbourne Inn for a much-needed getaway. Looking for peace and quiet, she finds just the opposite in a startling handsome but mysterious man and his dog.
Silvanus Forrest's gypsy/fae heritage is a double-edged sword. The land he inherited from his parents is rumored to be enchanted. But when Mercy discovers the truth, his well-ordered life unravels, and they're catapulted into the past to right a wrong. Along the way their lives intertwine, and they discover the true meaning of family and love. Will they change the past in time to save their future?
With her shoulders squared and a bounce in her step, she headed for Mystic Maples. Standing at the bottom of the stairs leading up to the wrap-around, partially screened in porch, the two-story log cabin looked as formidable as its owner seemed at this moment. At the front door, her hand raised to knock, she lost her nerve and took three steps back, turned on her heel preparing to sprint down the steps when a dog barked, and the door whooshed open.
Oh, no—breathe, Mercy, just breathe. "Good mmorning Mr. Silvanus." She stammered. She'd forgotten his last name—wait—did she know his last name?
Eyes widened in surprise, he quickly schooled his features into a pleasant expression before commanding Raga to stay with a hand signal. "Good morning. Can I help you?" A beguiling smile curved the corners of his mouth and his eyebrow winged up. "Weren't you my late-night visitor?" His eyes twinkled with mischief before he sent her a quick wink.
Wow, well trained dog. Feeling more at ease, but she could tell he wasn't going to let her off easy—if at all. "Yes, I guess I was. I'm sorry to have trespassed on your property. I meant no harm." She blew out a breath. "I'm staying at the Deerbourne Inn. But my reservations got mixed up and instead of being for six months as planned, the reservation was for two weeks. Then Nate talked to you and indicated you had a cottage to rent?"
He stared at her, the calm, blue aura was back. "And your name is?"
Follow the tour HERE
Tena will award a $15 Amazon/BN gift card to a randomly drawn winner.
Brought to you by:


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Sketchy Crop
Let this crop be your statement piece! It's 14 1/2" long from shoulder to hem and 20" wide under the arms. Super unique as it's one of my sketches from the late 80's (3/10/89 to be exact, it's dated on the top right).
Care: wash gently in cold water, hang to dry, trim strings or dry clean
Size: small/medium


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Web Design
The harsh reality is look matters, In the current market era the only thing that can be sold, requires more than just a functional accessibility, an attractive design can be the boost your business needs to climb higher into the luxuriance ladder of prosperity. The competition is increasing a bit as each day passes, so we create the attractive/Unique yet elegant design that your website needs to thrive in the market & create not only a presence but a Brand identity by which you'll be known by and give a touch professionalism that your customer is looking for.
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We have created various websites for rising & leading businesses.


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College Football
Sponsored By
'Is This The Year The SEC Beats Each Other Up?': Gary Danielson Previews LSU Mississippi State, Week 1 Of SEC ScheduleThe SEC on CBS analyst is preparing for the return of the conference this week with a new look LSU.
'If They Want To Do This, They Need To Do It Now': Sports Law Professor Alica Jessop On College Football Players Union PushPepperdine Sports Law professor Alicia Jessop explains the hurdles in place for college football athlete's attempts to unionize and how it could change the sport going forward.
15 Sac State Football Players Named To All-Conference Team, Quarterback Earns Top HonorFifteen Sacramento State football players were named to the all-Big Sky Conference teams on Tuesday.
Local Athletes And Universities React To Gov. Newsom Signing Fair Pay To Play BillThe Fair Pay To Play law allows college athletes in California to sign endorsement deals for things like their image or likeness without putting their eligibility on the line.
'Type Of Game You Dream Of As A Player' Ex-Georgia QB Aaron Murray & Ex-Notre Dame Lineman Aaron Taylor Weigh In On Saturday's GameThe CBS Sports college football analysts discuss the 'Dawgs matchup with Notre Dame on Saturday night.
UC Davis Will Open 2021 Football Season Against USCThe UC Davis Aggies will open the 2021 football season against USC.
Should College Athletes Be Able To Sign Sponsorship Deals? A CA Lawmaker Says YesStudent-athletes in California may soon be able to sign sponsorship deals, just like professional athletes.
Tua Tagovailoa Struggles As Alabama Loses Title Game 44-16Tua Tagovailoa dropped back on Alabama's third play of the game, threw in between two receivers and had the ball intercepted and returned for a touchdown.
Clemson Routs 'Bama 44-16 To Win National TitleNo. 2 Clemson won its second national title in three years with a 44-16 rout of No. 1 Alabama in the College Football Championship title game.
Mitsubishi Motors Las Vegas Bowl: #21 Fresno State vs. Arizona StateThe Bulldogs were one of the best Group of 5 teams this year. They get a chance to knock off another Power 5 team in the Las Vegas Bowl.
SportsLine's Top Weekend Picks: Can Cowboys Stay Atop NFC East?The Cowboys host the Eagles, with the NFC East lead on the line, SportsLine offers its top NFL picks, as the playoff race heats up.
Urban Meyer Steps Down At Ohio State, Leaves Complicated LegacyThe Ohio State head coach decided to step down on Tuesday. As discussions about his coaching legacy begin, it's clear that it is a complicated one.
UC Davis Wins First FCS Playoff, Beats Northern Iowa 23-16Jake Maier threw for 310 yards and a touchdown and UC Davis beat Northern Iowa 23-16 on Saturday night in the second round of the FCS playoffs.
SportsLine's Top Weekend Picks: Can Georgia Beat Alabama This Time?With Georgia and Alabama matching up in the SEC Championship and plenty of NFL action, SportsLine offers its top picks.
SportsLine's Top Weekend Picks: Can Steelers Keep It Going In Denver?With all of the NFL and college football matchups over the long Thanksgiving weekend, SportsLine offers its top picks.


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Property Details
Beautifully designed and tastefully appointed oceanfront home situated in a highly desired Rehoboth By The Sea location in Dewey Beach! This stunning floorplan takes in the most captivating ocean and beach views from almost every room of this coastal beauty. Featuring 5-6 bedrooms, 5 full baths, 2 half baths, gourmet kitchen, island and wet bar, vaulted ceilings featuring rustic beams, gas fireplace, elevator, 2 car garage this home leaves little to be desired. The outdoor living space is just as exciting, featuring a rooftop deck, and multi-level balconies ideal for complete relaxation! The home also features a 2-car garage and storage area ideal for your beach gear! With a killer location, unparalleled views, and being sold fully furnished and turn key ~ this home should not be overlooked!


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Russell Crowe tells of his love for Pembrokeshire at premiere
An Oscar-winning Hollywood star, with roots in Wales, has told of his love for Pembrokeshire after filming there.
Actor Russell Crowe, who has been in Cardiff promoting his latest movie, said the west Wales coast reminded him of his home in Australia.
The Gladiator star spent weeks in Pembrokeshire in 2009 while filming Robin Hood.
"I loved Pembrokeshire, it is fantastic," he said.
"Me and Cate Blanchett were standing on the beach one day and we were looking down the full length of the beach and the yellow sand and the sun came out - it was a gorgeous day.
"She was standing there with her hands on her hips and she said, 'Does this remind you of home?' and I said yes it does.
"She said, 'I suppose that is why it was New South Wales then' and we both had a laugh together. It is very much like the coastal beaches of Australia."
Crowe walked the red carpet in Cardiff on Saturday for the premiere of his new film, Noah.
He told Natasha Llewellyn why the capital had been chosen.


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Don SilcockMember
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About Don Silcock
Sting Ray
- Birthday 11/23/1952
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Camera Model & Brand
Nikon D500
Camera Housing
WTB: Nauticam N120 20mm Extension Ring
Don Silcock posted a topic in ClassifiedsHi, anybody out there have a Nauticam N120 20mm Extension Ring for sale please? I am in Sydney, but will pay international postage for sellers outside of Australia. Don
Trip Report - Diving PNG's Witu Islands
Don Silcock replied to Don Silcock's topic in Trip Reports and TravelHi Mike, sorry for the slow response - only just saw your message... I was there in November last year. Don
AJStetson started following Don Silcock
Trip Report - Diving PNG's Witu Islands
Don Silcock posted a topic in Trip Reports and TravelThe original version of this trip report was posted on the front page of Wetpixel a few weeks ago, but I have now updated it and added some new images on the version I have done on my site. Here is the link to Diving the Witu Islands All the wide-angle images were taken with a Nikon D500 and 8-15mm lens in a Nauticam housing with the 140mm port, which I personally find to be really great combo. The macro images were taken with the 40mm Micro-Nikkor - I screwed up in the last minute packing and left my 60mm and 105mm macros behind... As they say the best lens you have is the one on your camera! I have been visiting Papua New Guinea regularly for 20 years, but this was the first time to the Witu Islands and I really was impressed. When you look at the location of the islands in the Bismarck Sea, relative to the rest of the Coral Triangle, it becomes clearer why they are such so biodiverse. Here are a few images to illustrate what I mean. Don
The Ogasawara Islands - Japan's Galapagos
Don Silcock posted a topic in Trip Reports and Travelin March last year I made the epic journey to the Ogasawara Islands to photograph the northern hemisphere humpback whales that visit the archipelago every winter. The Ogasawara Islands are one of the most isolated and remote parts of Japan. Getting there requires a 24-hour journey on the Ogasawara Maru ferry from Tokyo - there are no airports... It was a great adventure and my article on the trip has just been published in a six-page article in X-Ray magazine: https://indopacificimages.com/diving-the-ogasawara-islands…/
The Sharks of the Protea Banks
Don Silcock posted a topic in Trip Reports and TravelSouth Africa has been on my personal wish list for quite some time and in the last year or so I have made three trips there - two to experience the sharks of the Protea Banks and the third for the incredible Sardine Run. The Protea Banks are located about 8kms offshore from the town of Margate in KwaZulu Natal province on the east coast of South Africa and the diving there is not for the feint hearted.... It's deep and the currents are strong, plus the next stop is Antarctica if you get separated! But it is a biodiversity hot-spot and there are up to seven varieties of sharks to be seen there - depending on the time of the year. Some in absolutely amazing quantities! I documented the whole experience in an extensive eight-page article that has just been published in the global dive magazine X-Ray who did a really nice job of laying it all out. If you are interested in learning more about this special location and the sharks to be seen there you can read more and download the article on this link to the Sharks of Protea Banks article.
Chinchorro Crocodiles
Don Silcock posted a topic in Trip Reports and TravelLast year I made the marathon journey from Sydney to south-east Mexico, near the border with Belize, to photograph the American Crocodiles of Banco Chinchorro. It was what you might call an intense experience, but one that I really enjoyed! I documented the whole thing in an extensive six-page article that has just been published in the global dive magazine X-Ray who did a nice job of laying it all out. If you are interested in learning more about these interesting creatures and what it's like being in the water with them you can read more and download the article on this link to the American Crocodiles of Banco Chinchorro
Nauticam WACP, D800 setup, Inon z240 strobes
Don Silcock replied to ibsroushdi's topic in ClassifiedsI would be interested in the WACP if you do decide to separate.... Don
Australian Giant Cuttlefish Article and Front Cover
Don Silcock replied to Don Silcock's topic in Photo / Video ShowcaseHi Liz, thanks and yes... I see what you mean - but relative to some of the other trips I have done the last few years it seemed like just down the road, which was probably what was in my head at the time! All the best, Don
The current issue of X-Ray dive magazine features a comprehensive article of mine on the annual Australian Giant Cuttlefish aggregation at Whyalla in South Australia - plus I got front cover, if that is the right terminology for a PDF format downloadable mag.... The annual aggregation is an amazing spectacle to behold and incredibly happens just off the beach to the north of Whyalla at the top of the Spencer Gulf. It starts around the middle of May as the temperature starts to drop as the Australian winter approaches and there are literally thousands of these photogenic creatures gathered there, all intent on one thing - sex and the reproductive cycle. So focused are they on the task at hand that they virtually ignore you and you can get really close and capture some tremendous images. If you are interested in reading more about these creatures you can use this link to download the Amazing Australian Giant Cuttlefish article. Don
Nikon 28-70 and the Nauticam WACP
Don Silcock posted a topic in Photography Gear and TechniqueAfter several years using Nikon FX underwater (D700 and then D800) last year I went back to DX when the D500 was released. I based that decision on my experience over the past few years since I got in to "big animal" trips - starting with the humpback whales of Tonga. Basically, up till then I did not see any real need for high frame rates and super-fast autofocus - but being in the water with those huge animals changed my perspective and I ended up quite frustrated with the D800 I had as my main camera and the OM-D E-M1 that was my back up. So I sold them and went for the D500, Nauticam housing and initially the Tokina 10-17, which had sat on the shelf for a number of years.... I have just completed 3 weeks in Mozambique and South Africa using the new Nikon 8-15 and the Nauticam 140mm dome and am over the moon with that combo. Which, when combined with two Sea & Sea YS250's (hernia model...) is, in my opinion, an almost unbeatable set-up for large animals at the overall price point it all comes in at. All that said, I am intrigued by the Nauticam WACP and Alex Mustard's excellent review of it. And while not 100% convinced I could justify the expenditure so soon after buying my current rig, I decided to buy a good sample of the Nikon 28-70 3.5-4.5 while they can still be had cheap. I tried it initially on the D500 but scared myself when I heard the noise coming from the old-fashioned A/F system on it when driven at speed by the D500. I got back to my place in Bali last night and tried it on my D750 "land" camera and it was OK, but still a quite noisy. So.... I wanted to post a few questions and see what other people's experience may have been. 1. Reviews of the 28-70 say it is a good lens that is quite sharp, plus it is small and seems to fit the bill for what Nauticam were looking for. And, as Alex pointed out - the dome is the restriction, not the lenses. But... can it cut the mustard (slight pun intended...) when it comes to using it with fast moving, big animals? 2. It seems like the excellent degree of coverage of the 28-70 behind the WACP would be best suited to "big picture" reef scenics? 3. If I do decide to "invest" back in FX and the WACP for underwater, I am wondering whether the D750 is a better choice than a D850? Don
For Sale: Nauticam D800 Housing
Don Silcock posted a topic in ClassifiedsI have decided to go back to DX for underwater photography and have bought a Nikon D500 and managed to get one of the first Nauticam D500 housings to come out of the factory. I put it all together the other night and it all seems to work, so I am selling my D800 housing. I bought the housing about 3 years ago and it has performed very well. It has never been flooded, all the controls work really well and is in very good condition overall apart from some fraying of the handle material - see photos. This was my first Nauticam housing after 17 years of Subal and I subsequently bought housings for OM-D EM-1 and EM-5's as I experimented with mirrorless underwater. Overall I have been very impressed with the Nauticam housings and believe they offer excellent value for money. The housing is for sale at US$2000 - no offers please. I am also selling my D800 body and would do a package deal with a serious buyer. Postage and packing would be at the cost charged by Australia Post. PM me if you have any questions.
Thanks very much Eyu!!
Thanks a lot for the feedback and the comments - greatly appreciated! Don
The Humpback Whales of Tonga
Don Silcock posted a topic in Trip Reports and TravelLast year, after a couple of failed attempts to get there, I spent three weeks in Tonga to swim with and photograph the humpback whales that migrate there every winter from their feeding grounds in the Antarctic. To say it was a seminal experience would be an understatement... I have been fortunate to dive in many parts of the world, but this was my first experience with such large creatures. Tonga is not the easiest place to get to, particularly if you are traveling from the Europe or North America as you have to go through either Sydney or Auckland to get to the capital Nukuʻalofa which is the only international gateway. Then you have to get up to the north of the archipelago to Neiafu in the Vava'u group of islands which is where most of the whale watching is based because of the sheltered bays in that area. But it's worth the journey because the whales are there, their numbers are slowly but steadily increasing and the encounters you can have are simply fantastic as Tonga is one of the few places in the world where a limited number of operators are licensed to take people in the water with the whales. As I normally do on my big trips I have documented my experiences and images on my site - no financial angle here.... I paid for my trips myself and there is no advertising on my site. I just like to write about my experiences, simple as that. There are numerous pages on the humpback whales of Tonga, covering everything from their annual migration to the different types of encounters you can have together with the logistics involved. You can access all that through this link to my site and PM me if you would like any advice based on my personal experience. Don
Last year I spent 10 days in Crystal River, Florida swimming and snorkeling with the manatees. It was a great experience and one I have wanted to do for a number of years, but Florida is so far from my part of the world that I just never was able to do it before. It's also pretty confusing from a distance to understand what is actually required to swim with and photograph the manatees... There seemed to be a lot of rules, but exactly how they apply to underwater photographers was not clear till I got some great help from Bill Oestreich and Marty Senetra at Birds Underwater and Gregory Sweeney - who freely offered advice despite the fact that my dates could not work with his guided trips. It looks like (for once in my life...) my timing was superb as I had a great time and had some real quality moments with these wonderful creatures, plus I was able to understand a lot more about them and their overall, somewhat troubled, relationship with the terrestrial residents of Crystal River - a very interesting situation! My timing was good because access to the manatees is changing and some of the new rules were being put in to place when I went back to the Crystal River in January after a shark trip to the Bahamas. I have written a pretty comprehensive location seven-page guide to Crystal River and the Florida manatees on my site to help others who are interested in experiencing these interesting and photogenic animals. Just follow the links at the bottom of each page or click on the relevant page you are interested in on the sidebar. I also had a 18-page article on the Manatees of the Crystal River published in Anima Mundi magazine, with my favorite photograph from the trip getting the front cover! I will update my site when the ramifications of the proposed changes at the Crystal River go in to place. Don


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The myth that sobriety is boring is precisely that: a myth. With time, your very definition of fun changes, with the fleeting, risky highs associated with addiction giving way to deeper and more long-lasting joys.
While the concept of fun may sound like a secondary concern compared to the changes involved with achieving and maintaining sobriety, it is critically important. When a person does not learn how to enjoy life without his or her substance of choice, then the chances of remaining sober long-term are limited. Learning to have fun without the need for addictive behavior should be an important goal if you are newly sober. Here are some thoughts on having fun while remaining sober.
Contemplate How Much "Fun" It Actually Was When You Were Not Sober
You may have some riveting stories that took place when you were not sober. Maybe you have been told stories about things you did that sound impressive or hilarious, but do you even remember them? There is a pervasive cultural fantasy that alcohol (or other substances) make situations enjoyable, and that they are a sure cure for boredom. Much of that, however, is plain marketing and advertising. Once you go through drug and alcohol rehab, chances are that most of the "fun" of substance use has gone away, replaced by regrets, ruptured relationships, and legal problems.
Be Present for Relationships and Activities You Value
Learning to have fun while sober requires essentially the opposite of the escapist behavior of drinking or using drugs. Fun while sober means being fully present for the people and activities that are valuable to you, and this can be scary for you. You can adopt new hobbies in sobriety, sometimes with the help of sober networks. You may return to activities you enjoyed before your substance abuse problem led you to drug and alcohol rehab.
Simply being present may make you feel vulnerable at first, but that is okay. Perhaps you have seen a widely-circulated photo of an older woman simply taking in a movie premiere event while everyone around her records it on their phones. Not looking at the world through a screen, or through the lens of substance use, is a gift to be savored.
Address Medical or Mental Health Issues Proactively
Dual diagnosis, or substance use diagnosed along with other mental health disorders, is not only common, but requires deliberate management of both conditions. Psychiatric disorders can be a major risk factor for development of substance abuse, and substance abuse can trigger psychiatric disorders.
Just as you would plan to take insulin to treat diabetes, so should you plan to medically address mental health disorders if that is what your doctor recommends. It is important that your mental health doctor know your history of addiction, and that he or she be willing to work with you to determine what the right medication is, and what the right dosages is. Taking care of mental health issues proactively can help you avoid addiction relapse and can contribute to your joy in living.
The Joy of the "Aha" Moments
One of the greatest gifts of sobriety is experiencing discoveries about yourself and your values in new contexts. Those "aha" moments where you genuinely relax and enjoy an activity may feel hard-won at first. But once you learn to recognize new things that bring you joy, you have really made a breakthrough in attaining long-term sobriety. You are looking at life through a different pair of glasses, in a way, and they allow you to see beauty and truth where you were unable to do so before. It does not happen overnight, and it is not to be confused with the early "pink cloud" of sobriety. But this ability helps you learn to reach out and develop the sober networks you need in order to let go of resentments and practice living in the moment.
Drug and alcohol rehab is an important step in coping with alcoholism or other addictions. But it is what happens after drug and alcohol rehab that can make the difference between long-term sobriety and relapse.
One of the hardest things recovering addicts must do is to learn how to enjoy life without the false help of substances. When you are able to do that, however, it is another major step toward a happy, joyful, meaningful life of sobriety. If you are struggling with drug or alcohol addiction, or have questions about drug and alcohol rehab, we encourage you to contact us at any time. We want to hear from you.


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Autism Kid Treatment – Joe is 8 years old an Autistic kid from Korea. Even though Korea recognized acupuncture and Joe's grandfather is the top acupuncture physician there, he can't help. Others specialist cannot do much. Being a father of an autistic kid, his father has a lot of pressure and looking for answer desperately. There finally came to see Chinese Master through high recommendation from a friend who have been Master's patient and saw many Autism Kids got treatment and cure.
When he first came into Acupuncture and Herbal Treatment Centre in KL everyone in the premise had a shock from his 'super-hyper active behavior. Jumping and screaming all over the place and zero communication and eyes contact. He is in his own world, very scared and frustrated, until he hits he on the head continues for about 10 mints to 30 mints. Chinese Master applied Autism Qi Qong and Autism acupuncture treatment to calmed him down. According to Chinese Master it is his brain's Qi is not moving smoothly. He calm down after 30 minutes then had another session of Autism Qi Qong and Autism acupuncture after one hour. 3 days of Autism treatment went by and they can see that Joe can respond to instruction from his father and has some eyes contact. They went back to Korea because his father has only 3 days of lift from work, but he book for the second visit that is after six months. He took 6 months of Autism Brain herbal medication home and a list of do's and done.
After 6 months they came for 30 days of Intensive Autism Treatment. Everyday he has 2 session of Autism treatment that is 60 in total. We can see him improving everyday and in the end of the treatment he was about 80%!!! Recovered. They have to go home now and promise to come in 12 months time. This time he took 12 months of medication with him. The 3rd visit comes, he was almost 90% recovered!!!
When we see him. Still they give him the same treatment for 30 days. In the end of this trip he is quit confident and normal in most of his activities. They went home with a' 101% HAPPY HEART!!! ' NO MORE MEDICINE, WORRY, STRESS, FRUSTRATION, SLEEPLESS NIGHT. Over the recent years Chinese Master has treated many cases, of cause some of them did not complete their treatment, but they went home with full satisfactory heart. All of them improved from the day they came.
Many acupuncturist own kids have been treated with full recovery from Chinese Master's special Qi Qong neuro acupuncture. Not many country do kids acupuncture or neuro acupuncture accept Chinese Master's has discovered in these recent 20 years for special kids like Autism. It's not only this, there are a lot more to discovery.


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I Venti d'Azzurro Live Monday XL Show 20181203 RECORDED
LIVE at 7 pm CET; Michiel van der Brugge heats you up for….
…The one and only i Venti d'Azzurro live show! Join us in our studio in The Netherlands at 21:00 CET till midnight.
Paolo Jay mixes, from vinyl, the best Dance made in Italy in the first hour. The second hour is for the classic Italo sound with Marcello the Godfather of Italodisco, and the 3rd hour is for classic disco chosen by Marcello!
And a guest tonight.. Mr. Bertin Bom aka DJ Del Phunk a real Italo lover but now a great house DJ
Chat is open, cams are rolling so come and join us!
First broadcasted in 1986 on Radio Stad Den Haag and now back on your radio…
The show will be ready for download next Sunday, and is from now on also on Youtube and Mixcloud!


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« December 30, 2017 | Main | January 1, 2018 »
December 31, 2017
Love is the only thing you get more of by giving it away
Above, a postcard I received in early February 1998 from Larry Burdick's L.A. Burdick Chocolates, announcing that year's St. Valentine's Day specials.
It's been on my refrigerator ever since, which explains why it's not as pristine as it was the day it went into the mailbox.
Many years ago I called the company and told them how much I liked the card and asked if there were any left or if they planned to reissue it.
"No" and "no."
So you'll just have to print out your own from what's up top.
Free, at least, the way we like it.
December 31, 2017 at 12:01 PM | Permalink | Comments (0)
Elmore Leonard's 10 Rules for Writing
December 31, 2017 at 10:01 AM | Permalink | Comments (1)
Manga Tape — "Creative Comic Drawing Tape"
From the website:
Get creative with your packaging, thanks to Kazuhiro Minami's simple yet brilliantly conceived Manga Tape, which won a 2016 Kokuyo Design Award.
You can draw your own mini manga comics with a permanent marker directly onto the masking tape.
The tape is white and already divided into cells, and also includes bubbles for speech and sound effects.
Personalize your boxes and packages and make your mail something truly special.
Each 2-inch-wide roll is 44 yards/132 feet long.
Three rolls: $54 .
December 31, 2017 at 08:01 AM | Permalink | Comments (0)


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Glenn Austen is one of the highest qualified Myotherapists available in Australia holding the BHSc. Myotherapy, Adv. Dip. Myotherapy and Cert. IV – Fitness making Glenn a personal trainer as well. Glenn prides himself to educate and empower people helping you to help yourself by understanding why you are in pain and showing you how easy it is to live life pain free permanently. Glenn has a special interest in treating injury rehabilitation and postural correction for the relief of any type of pain, to more complex pain syndromes such as arthritis and fibromyalgia.
Elenor Tweedie is an experienced and highly qualified therapist specializing in Advanced Bowen Therapy, Craniosacral, Remedial Massage, Lymphatic Drainage and Kahuna Hot Stone massage. She is a leader in her field and has been in the natural medicine industry for over thirty years.
Cranioscaral Therapy works with the body's innate intelligence. By correcting structural imbalances the innate intelligence can go where it needs to, restore impeded circulation, alleviate any nerve impingement and this enables dysfunctional cells to heal themselves.
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Elenor treats a wide range of health conditions ranging from general muscular aches and pains, migraines to chronic health conditions such as digestive disturbances, chronic fatigue, children's health and behavioural problems, birth traumas, hormonal issues and stress/anxiety.
Elenor's caring and healing treatments will have you feeling balanced and renewed.


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Eleventh graders at Herzl-RMHA traveled to Washington, DC, Nov. 15-20, to participate in the Panim: The Institute for Jewish Leadership and Values seminar.
Panim aspires to educate and empower Jewish youth to a lifetime of activism, leadership and service on behalf of the Jewish people and society at large through the integration of Jewish values, learning and social responsibility.
In addition to the Panim seminar, the Herzl-RMHAstudents took part in several other activities while in the nations capitol.
During a visit to Capitol Hill, one group met with Sen. Mark Udall and others met with an aide of Rep. Diana DeGette.
The students talked to the senator about everything from health care reform to the wars in Iraq and Afghanistan to the economy to homeless issues, said Jerry Rotenberg, program director of special activities and student council, and one of the chaperones of the trip.
The students also toured the US Capitol with Justin Kutner, brother of 11th grade student Mia Kutner. Justin is an intern for Rep. Jared Polis.
They visited the US Holocaust Memorial Museum, explored the Smithsonian Museums on the National Mall, and had a tour of George Washington University, where they met with Herzl-RMHA alumni Mathew Mehrian 09 and Elad Warren 09.
As part of the trip, the 11th graders also participated in a homeless program called Street Torah, in which students bring socks and gloves to homeless people in the parks of Washington, DC, and spend time talking with them.
The most memorable part of the DC trip for me was Street Torah, said Samantha Berenstein.
We gave away items to homeless people, which was wonderful, but more than that, we took the time to talk to them and hear their stories.
Before we went on this activity, we had a homeless panel that discussed the issue with us, and their main trouble resulted from the fact that people gave very little mind to them as human beings.
They reminded us that it is always important to make someone feel worthwhile, because without that, it is hard to take the next step forward in life.
Information: Alana Story, (720) 449-9550.


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As increasing amounts of student, class and school data are captured and analyzed, some people have started to sound alarms about potential privacy violations and other kinds of misuse, InformationWeek reports. "I think it's totally illegitimate to take kids' data without parental consent," said Leonie Haimson, a parent activist and executive director of Class Size Matters, a nonprofit organization that wants smaller classes in New York City's public schools and the nation as a whole. "If these exact same records were in a doctor's office or hospital, it would be illegal to collect them without parental consent," she told InformationWeek in a phone interview…
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Good things come in three…
Especially when you have a chance to win one of three prizes! Welcome to our good things come in three social competition.
To enter, simply comment on why you and a friend deserve the 'best out of three' pictured in the comment section of each Facebook competition post. Entries will be judged on creative merit so unique, fun and quirky comments are highly encouraged to stand out from the crowd.
So, what are you waiting for? There are more reasons than ever before to join in!
4.00pm Thursday 29 October - 4.00pm Friday 30 November, 2018
Comment on why you and a friend deserve the 'best out of three' pictured in the Facebook comment section of the competition post.
1st Prize: 4.00pm Monday 29 October - 4.00pm Thursday 1 November, 2018
2nd Prize: 4.00pm Monday 12 November - 4.00pm Thursday 15 November, 2018
3rd Prize: 4.00pm Monday 26 November - 4.00pm Thursday 29 November, 2018
Important information: Terms and conditions apply, for full terms click here. Participation in the competition is limited to persons aged 18 years or over and not excluded from The Star Sydney.


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College Girl made it home in one piece from Vegas. Rah! She and her girl crew decided that if any of them were having a "down" day they would go to Vegas; apparently they got the red carpet treatment there. "Mom, we didn't have to stand in any of the lines to get in anywhere, we didn't have to pay any cover charges, and people sent us free stuff!" Well I guess not, six beautiful 21-year-olds dressed to the nines do standout among the sweat suit and tennis shoe crowd. She added that they got to their hotel rooms about 8 am each morning "because you can't tell what time it is in Las Vegas". That's my girl. And, "Oh, yeah, Mom, I had to charge some food to your credit card – that place is expensive!" Great.
The last Vegas story I heard was about my other daughter's friends. Apparently one night, these guys had too much fun and a surplus of alcohol. They found themselves a long way from their hotel with no cab money. What's a guy to do? These enterprising young men noticed they were in front of a construction site, spotted one of those two-seater Caterpillar hauler things – with keys in it. Of course, they jumped right in, drove that machinery down the strip to their hotel, pulled right up to the front of the hotel and handed the keys to the valet. And that was that.
Miss Peach, aka older daughter, just called from the Napa Valley. She and her bestie, Panda, took on San Francisco for four days. They'd made plans to visit our family in Calistoga today and tomorrow. Problem was, they had no idea how they would get there. She said they went to a car rental place but the age limit to rent one was 25. Somehow, someone took pity on them (or advantage of them) and they are driving some horrible red something none of us have ever heard of. But it has four wheels and runs like a scalded dog. P & P have named their ride, "The Red Slut". I think they've been drinking a lot of grape juice. And, "Oh yeah, Mom, they wouldn't take my debit card in San Francisco so I had to charge some stuff on your credit card". Double Great.
Later. Have to go apply for the night shift somewhere.


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|No Sale
|Series 04, Episode 01
|Air Date
|8 April 1976
|Christmas Crackers
|Top Hat And Tails
No Sale is the first episode of the fourth season, which was first broadcast on 8 April 1976.
Summary Edit
Grace Brothers decide to open at 8.30am in order to attract customers on their way to work.
The idea is a great success with takings up, but by the afternoon the floor staff decide to make sure takings are the same as the Monday before to avoid having to come to work at 8.30 every day, so they try to put people off buying things. Guest starring John Bardon and Gordon Peters.
Community content is available under CC-BY-SA unless otherwise noted.


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Ben's Time On The Farm Comes To An End
It's been about a month since I packed my bags and said my farewells to Tutti Frutti Farm, and the transition back to city life leaves much to be desired. I long to drive through the rolling hills of the Santa Rosa Valley, covered with twisted and contorted oak trees, manicured with beautifully straight rows of crops, and home to birds and creatures of every kind. I yearn to walk through the many tunnels of ripening tomatoes, to monitor the progress of developing winter squash plants, and to dig for potatoes and onions. Though it will take more time for me to sort through the various pieces of information I picked up while on the farms, I can safely say I've come away with a deeper and more complex understanding of the processes of farming and of food distribution. From seasonality and market influences to strategies for planting and harvesting, from basic botany to experimental farming techniques, from entrepreneurial inspiration to the exposure of endless opportunities for social activism and environmental betterment, I leave the farm inspired and with a new appreciation for the importance of organic produce and sustainable farming practices. My experience at Tutti Frutti has been invaluable, and I am indebted to the Cadwell family and to Earl for allowing it to happen.


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Building for inclusive growth – Such projects were meant to address the need of low-income families for affordable, decent homes. In 2011. computed using a compounded interest method to produce equally affordable amortization.
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Chapter 1, Sales and Use Tax – Pennsylvania Department of. – reg-1-004 permits. 004.01 Every person engaging in business as a retailer in Nebraska must obtain a sales tax permit by submitting a Nebraska Tax Application, Form 20, or register through an alternative method as authorized under the Streamlined Sales Tax Agreement.
Stealthy startup snags Feng Zhang, Wyss Institute tech for mobile diagnostic tool – A new Cambridge startup is hoping to develop an inexpensive, mobile tool to diagnose everything from the. It is plans to close its Series A financing round soon, according to co-founder David Walt,
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VA Manufactured Home Loans – VALoans.com – VA Manufactured Home Loans Guide to VA purchase Loans Overview of the Requirements for VA Loans. Refinance a manufactured home loan in order to buy a lot. Refinance an existing VA manufactured home loan to reduce the interest rate. VA requires manufactured homes be on permanent foundations.
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New Home Financing Rules Will Help Berkshire Hathaway's Mobile Home Business – . Mae and Freddie Mac will be implementing a test program to make the mobile home market more active by purchasing mobile home loans for the next three years. Berkshire owns Clayton Homes, the.
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FHA Rules for Manufactured Homes – February 25, 2017 – FHA mortgage loans are available for much more than just suburban homes or condominiums. FHA loans can also be used to purchase mobile homes, manufactured homes and/or modular homes. Manufactured homes are often sold and transported in sections to be assembled on-site.
FHA Loans For Manufactured Homes. Mobile Home Loan – FHA Manufactured Home Loans FHA modular and manufactured home loans represent a popular option for home buyers who currently have the ability to repay a mortgage, but may have had some credit challenges in the past.


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Cost of land in Asia rising
Prices of residential sites in Asia increased by 1.9 per cent in the first half of 2016, down from 2.8 per cent in the preceding six months, put office land increased from 1.9 per cent to 2.2per cent.
Overall development land investment volumes in Asia matched the level registered in the corresponding period last year, according to the Prime Asia Development Land Index from international real estate firm Knight Frank.
As compared to the preceding six months, however, they were 40.4per cent lower and the index report explains that land markets tend to be more active in the second half of the year, which accounts for 60per cent of the transactions historically.
With state owned enterprises purchasing land aggressively, China, which accounts for more than 90per cent of the deals in Asia, saw a 6per cent year on year increase in volumes while in Thailand some major deals boosted volumes by 190.4per cent.
However, cross border land investment volumes fell by 11.5per cent year on year. 'Part of the reason is that while Chinese developers have previously snatched up land in Hong Kong and Singapore, they now appeared to have joined their local counterparts to become more cautious amid the ongoing correction in housing prices in these markets,' the report explains.