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Safe, reliable, and incredibly fun to drive, the 2016 Toyota Corolla is the perfect sedan for anyone looking for a practical vehicle that spares none of the performance and technology features you've come to expect from the world's leading vehicle manufacturer. With 90 percent of Corolla models sold in the last ten years still on the road, the all-new Toyota Corolla will provide incredible value to drivers in and around the Northbrook, IL area.
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The 2016 Toyota Corolla is a driver-focused sedan made with an contemporary and comfortable interior that is full of advanced technology that tech-savvy drivers in and around the Northbrook, IL area are going to love.
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For additional information on the 2016 Toyota Corolla, scheduling a test drive at our Northbrook, IL Toyota dealership, setting up an appointment at our auto maintenance center, or the team that makes up our professional finance department, please don't hesitate to contact Northbrook Toyota through our website or by calling us at (847) 272-0808.


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Working a full time job, raising two daughters, attempting to have a social life, trying to make my family proud, and trying to make myself proud are things I do every day. I'm now beginning my journey of giving. This is step one.
January 2020
Back to Blog
Eye Doctors Suck Sometimes
Alright, peeps. I'm about to go on a short rant so bare with me.
I'm at this eye appointment with a retina specialist, and the staff is pleasant so far, so I'm thinking maybe the doctor will be cool and I won't hate everything so much. Keep in mind I HATE when they shine that bright ass light in my eyes. So I'm sitting here for almost TWO HOURS and I still haven't even seen the doctor yet. Then DUN DUN DUNNNN he comes in and I'm instantly realizing this guy has a really nice staff to offset the fact that he is LESS than almost personable. It's bad. I don't like it. He barely says four words to me and his fingers are already in my eyeballs. He's pushing and digging and doing all this stuff and in my head I'm mad at the other doctor for even referring me to this guy. I'm hungry. I haven't had any coffee. And this dude is gouging my eyeballs!! I physically have to clench my teeth to keep from cursing him out and telling him to get his hands off of me. Also, I haven't seen him wash his hands so I have no idea how bad this situation really is. Ugh. This is just the worst. He's calling out all these medical terms to his assistant while he's making me feel like I'm going to be blind after this, and I have absolutely no clue what the hell he's saying. Then get this. He tells the assistant he needs more pictures of my eye, but says NOTHING to me, and walks out. So now I'm back in this stupid ass room waiting for this impersonal dude to possibly come dig his fingers in my eyes some more. Fun fucking times. Let's hope I get out of here and get some food and coffee before giving my thumbs a rest and unleashing my words on this unsuspecting M.D.
~until next time
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text: One night only – if you are in Iowa / Illinois and are looking for a way to take off those extra pounds and keep them off – come check out this seminar. No supplements, no other products to purchase – we tap into the power of your subconscious mind and YOU do the work. March 31, 2015 7:00 p.m. – Diamond Jo Casino – Mississippi Moon Bar. Cost $125 at the door.


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LG has joined the list of many other tech giants that are launching Android One devices. The company is launching their first Android One device today. LG G7 one is not coming with any of its custom software or UI.
LG G7 one is coming with a pure Android experience which is obviously much better than LG's custom software.
Table of Contents
LG G7 Specifications
Battery: 3,000mAh
Display: 6.1-inch QHD+
Front Camera: 8 megapixel
Rear Camera: 16-megapixel
Processor: Snapdragon 835
Software: Android 8.1 Oreo
Storage: 32GB of internal storage
LG is launching a new G7 Fit device today along with the G7 One as well. Both the devices are meant to be available at "exceptional" prices, though LG is yet to reveal the exact pricing details.


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UKOM, an organisation "Powered by Nielsen" the size of the UK Internet audience grew by 5% from 36.9 million people in May 2009 to 38.8 million people in May 2010. Of these 1.9 million new Britons using the Internet, 1.0 million (53%) were age 50 or older.
Men were responsible for most of this growth, accounting for 722,000 new users.
I would love to see the methodology that was used to reach this conclusion. I wonder what the definition is of a 'user'.
I can understand how the conclusions were reach for the Web sites audiences, although I would like to know the confidence level for the findings. How the hell Flixxy got into the list I don't know. Dick Stroud


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COLLINSVILLE, IL (KTVI) – It is homecoming night for the Collinsville Kahoks, but the usual good spirits are subdued this year after freshman Tray Turner died from injuries he suffered in a fall over a banister inside the high school.
Turner, 14, was heading to lunch on Tuesday when something happened and he fell from the second floor stairs to the first floor. A police investigation shows it was nothing but a tragic accident.
Adults in the community are working to raise funds for the school district's charity, KAHOKstrong, which has been helping the Turner family this week.
Collinsville native and high school graduate Mike Ogle donated helium from his shop, Cullop Jennings Florist, to fill balloons for a balloon launch during the football game Friday night.
"I've been seeing a lot of support from the community, from different companies here, trying to help out," said Ogle, who has two sons of his own, one of whom is a sophomore at the high school. "It really hits you; hits your heart."
A friend and fellow high school graduate, Todd Duke, runs a high school sports Internet service, Kahoksports.com.
"I was really amazed at the outpouring after Tray was hospitalized; my Facebook page just blew up with all kinds of comments, prayers, and thoughts for the family," Duke said.
Both men said the community is coming together, but they regret it is happening under such sad circumstances. The school district canceled the traditional parade Thursday afternoon and a Friday morning pep rally appearance on Fox 2 News. Tray was to be remembered at the football game Friday night.
Visitation services will take place Sunday, September 25 at 4 p.m. at the Irwin Chapel. The funeral will be held Monday at 10 a.m., with the burial to follow at Sunset Hill Memorial Estates.


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FalldownAndroid Gameplay / Action, Arcade
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Falldown is a simple and addictive game. Tilt you device to control the ball. Fall through the holes to score points. Don''t let the ball touch the top of the screen.
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This game was tested on phones and tablets.
Keywords: fall down, drop, ball, accelerometer, scoreloop


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The 90-minute interactive website presents statistics, factualinformation and case studies, with the viewer answering true-false andmultiple-choice questions about sample scenarios. Theres even acrossword puzzle.
I found it very engaging, said Weisner, the dioceses spokesman.
The interactive course for priests, employees and volunteers ofthe Oakland Diocese went live Aug. 14. Since then, nearly 12,000 peoplehave clicked through the course, said Ralph Yanello, the Walnut Creekattorney who developed the program.
He runs LawRoom.com, which advises employers on sexual harrassment and other workplace compliance issues.
The course meets a requirement for training on the signs ofabuse the U.S. Council of Catholic Bishops set following the pedophilepriest scandal.
The Archdiocese of San Francisco and the Diocese of Santa Rosause Shield. Dioceses in other areas are adopting similar programs.
In August 2005, the Oakland Diocese settled lawsuits with 56victims — about a third of the Northern California cases — agreeing topay $56 million. The cases involved 24 priests.
The program, and the bishops mandate, have done little to calm two critics of the church in its response to the abuse scandal.
Its kind of galling that each diocese puffs their chests out as if(training) was their idea when its generally been forced upon them by ahorrific sex abuse scandal, he said.
Weisner didnt accept that view.
You cant project whether people would do it or not do it absentthe mandate, he said. You can say the same thing about sexualharassment training. If it were not required by law, some people wouldhave the interest but simply not get around to it, and some would makeit a point to see it through.
Pope Benedict XVI spoke on the abuse issue at the Vatican overthe weekend, the Associated Press reported. He said it is critical thatthe church take whatever steps are necessary to prevent it fromoccurring again. He also told visiting Irish clerics on Oct. 28 thatthe church should speak openly about the extent of the crisis and thatit pursue all routes to speed healing for victims.
Clohessy and others have questioned why Shield the Vulnerable bars entry by anyone not connected to the Diocese.
The implication of having an internal, secretive training isthat this is an internal, secretive problem, Clohessy said. If its sucha wonderful, innovative, helpful program, why cant anybody see it?
It is not a matter of secrecy so much as cost, Yanello said.LawRoom charges the diocese $5 for each viewer. And restricting thepool to diocese employees and volunteers helps track who isparticipating, he said.
The church has also drawn brickbats from a critic who says training is a sop to insurers.
I would be shocked if the insurance company wasnt in it up totheir ears, said Jim Jenkins, a clinical psychologist, former HolyCross brother, and the former chairman of the San Francisco ArchdioceseIndependent Review Board.
The Oakland Dioceses insurers did not compel the training,Yanello said, although in other areas, insurers have insisted on — ordesigned — such courses.
If they dont they should, because of the liability, he said.The first question to a mandated reporter in a deposition is, did yourecognize this child was at risk? The second question is, are youtrained? I can tell you most mandated reporters are not being trained.
California law designates teachers, therapists, doctors andothers as mandated reporters who must alert authorities immediately ifthey suspect a child has been abused.
An insurance company, National Catholic Risk Retention Group,designed a competing course called Protecting Gods Children. PraesidiumReligious Services Inc., a risk management firm, launched another.
Oakland has a history of trying to reach out proactively morethan other dioceses, trying to get ahead of the game, Jenkins said.
If this gets across the idea that you need to be reportingthese things in a way that children are protected then its a positive.
The sex-abuse crisis erupted in Boston in January 2002 when ajudge ordered the church to unseal documents regarding reportedepisodes of child sexual abuse.
The files contained ample evidence that the church had takengreater pains to protect itself from scandal than to safeguardchildren.
Catholic dioceses across the nation had paid out more than a billion dollars to victims by June 2005.
Most of the examples in the course involve parents and childrenin the home. One asks users to consider a mother who ordered her5-year-old to sit in a chair for hours, locked him in a dark closetovernight, and cut off all the hair on one side of his head. The vieweris asked whether the behavior might result in emotional abuse.
Although little mention is made of church or clergy throughoutthe course, the last five pages includes a list of thou shalt nots.
One such instruction says the sacristy door must always remainopen when minors are present within. The course discourages regular orexpensive gifts to children, bars profanity, vulgar humor or commentsof a sexual nature, and sets definite rules on travel accommodations.
Despite his limited praise, for the course and the diocese,Jenkins said the church must become much more transparent if it wantsto eliminate abuse.
An effective program must include two critical elements, hesaid. One is publishing the names of priests once a church tribunal hasuncovered credible allegations, which a diocese could do in itsnewsletter or website to alert parents and parishioners. The other issupervising errant priests once theyve resigned, been discharged or, ifconvicted, been paroled.
Jenkins resigned his post when then-Bishop William Levadarefused to make public the results of an abuse investigation. Levadahas since become a Cardinal with a high post in the Vatican.
Contact Rebecca Rosen Lum at (925) 977-8506 or firstname.lastname@example.com.


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South Pasadena, CA: 800-303-0047
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Ontario, CA: 909-295-6825
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Popcorn ceilings, also referred to as acoustic ceilings, are found in many homes across the country. From the late 1950s all the way until the early 1980s the ceiling style was popular. Today many property owners have been removing the outdated ceilings and replacing them with flat or textured ceilings to update the look and feel of the property.
Not only is the process of removing popcorn ceilings labor intensive and extremely messy there is a much bigger issue, asbestos. Asbestos can be found in many types of popcorn ceilings and the older paints used on the ceilings. As the ceilings are renovated the asbestos can be easily aerosolized and become a health hazard.
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"The dangers associated with asbestos in popcorn ceilings are potentially in tens of thousands of homes across the nation," reported Ben Sublasky, National Director of Client Services for LA Testing and EMSL Analytical. "The deadly health effects associated with asbestos can take years or even decades to appear so it is important to test for asbestos and to have any renovations involving asbestos be handled by qualified professionals."
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UN Hariri report lauds Syrian cooperation
The fourth report by the United Nations international investigation commission looking into the killing of former Lebanese premier Rafik Hariri has credited Syria - which has been linked to his assassination - for its cooperation with the probe, and supported the request of the Lebanese government to extend the mandate of the commission by another year.
The fourth report by the United Nations international investigation commission looking into the killing of former Lebanese premier Rafik Hariri has credited Syria - which has been linked to his assassination - for its cooperation with the probe, and supported the request of the Lebanese government to extend the mandate of the commission by another year.
The report, delivered by Belgian prosecutor Serge Brammertz to UN Secretary General Kofi Annan, said "considerable progress" had been made in the inquiry into the assassination, which killed Hariri and 22 others on February 14, 2005.
Unlike his predecessor German prosecutor Detlev Mehlis, who delivered two earlier reports that implicated Syrian officials and intelligence services in the killings, Brammertz has remained extremely tight-lipped throughout the investigation and noted in his report "cooperation with Syria has further developed," citing interviews with Syrian President Bashar Al-Assad and Vice President Farouq Al-Shara.
The Commission noted it had interviewed six witnesses in Syria and that "Syria has responded to all of the commission's requests, and did so in a timely manner, and in some instances comprehensive responses were provided." The report also added "full and unconditional cooperation from Syria to the commission remains crucial."
With respect to the methodology behind the bombing, the report said an improvised explosive device (IED) "was most likely used above the ground" and that the evidence pointed to a Mitsubishi truck which is likely to have carried 1,200 kilograms of TNT.
The report said the size of the bomb was indicative of a keenness to ensure success and elevated the attack to almost "guarantee level," even if Hariri's vehicle was not hit directly.
The detonation of the bomb was "most likely initiated by an individual within or immediately in front of the truck," explained the report. The Commission said it had recovered 27 parts of a male person, who it said based on forensic evidence is likely to have detonated the bomb.
The report refrained from defining the said individual as a suicide bomber because it was yet to determine if the person detonated the device "willingly or was coerced into doing so."
Brammertz dispelled any notion that Ahmad Abu Adass, an alleged Islamist, who appeared in a video that aired on Al Jazeera directly after the assassination in which he claimed responsibility, had actually played a role in the killing.
The prosecutor said, "at this stage, as a result of extensive forensic analysis and other information and evidence collected to date, and pending final DNA results from recently collected evidence at the crime scene, there is no evidence to suggest that Ahmad Abu Adass is the individual who initiated the detonation of the IED, as state in his claim of responsibility."
He added, "Nor is there any evidence to suggest that Ahmed Abu Adass was present at the crime scene, in any capacity."
According to the Commission there may be more than one reason behind the killing of Hariri and it is examining several scenarios.
"The Commission is investigating political motives, personal vendettas, financial circumstances, and extremist ideologies as well as any combination of the aforementioned in developing its hypotheses regarding the possible motives of those who commissioned the crime," it said.
The Commission said that 14 other explosions, which killed or injured prominent Lebanese personalities, could be potentially important to the Hariri investigation and that it can contribute to the outcome of these investigations. Brammertz said the Commission is considering the development of a "witness protection program" to bolster the investigative work of the 179 investigators, analysts and translators.
The UN probe is expected to be concluded by the coming fall and eventually lead to an international tribunal responsible for trying those implicated in the killing of Hariri.


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An Accountability Meeting is different from a forum. Candidates are asked to make specific commitments to work on social justice issues.
Workforce Development - Interfaith is working on developing an employer-driven workforce intermediary similar to New Opportunities Vision Achievement (NOVA) in Monroe. NOVA has an 81% success rate and has placed participants in jobs making an average of $12.45 an hour with a career path and benefits. At a recent luncheon hosted by Interfaith, employers expressed interest in trying to get a similar program in Shreveport. They talked of their difficulty in finding skilled labor to fill job openings.
Public Schools— Interfaith leaders want to work with school board members and our
congregations to support and improve public schools. A number of the schools classified as "failing" are in the neighborhoods of our congregations.
Payday Lending — Interfaith leaders seek local regulation of the payday loan industry, to accomplish what the legislature could not, despite the overwhelming majority of opinion and other issues on Interfaith's agenda as they arise from our congregations.
Special Guest: Bishop Michael Duca of the Roman Catholic Diocese of Shreveport
Free and open to the public. Please encourage turnout from your congregations, civic organizations and from your circle of friends.
September 18. 2014- 7pm
Paradise Baptist Church 1706 Hollywood Ave. Shreveport, La 71108
Please contact Susan Caldwell at dre@allsoulssuushreveport or 318-465-3427
or Maxine Davis at email@example.com or 318.754.1372.


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After-sales service
In the event of a problem
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For all repair requests, simply contact the Rotec team.
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text:
'Without him we would be a lesser team, that's for sure' – Linnets boss Ian Culverhouse
PUBLISHED: 09:02 17 February 2019 | UPDATED: 09:02 17 February 2019
Jamie Honeywood
King's Lynn Town got back to winning ways in their promotion challenge with a 2-0 home win over Redditch - CHRIS LAKEY looks at the old school striker who is playing a big part in their bid for success.
Ian Culverhouse isn't one to sing the praises of individuals, but sometimes even he has to make exceptions.
Ask about Michael Gash, for example, and the Linnets boss knows it's unavoidable.
Gash is something of a throwback: it's old school stuff with the centre-forward, who has learned his trade the hard way, in non league circles. Not that he is without skills: there were two instances of his trickery which were things of beauty - one drag-back sent half the opposing defence and a large number of the crowd the wrong way.
But Gash, 32, takes one for the team: he is pummelled by close attention-seeking defenders, double-teamed, pushed, shoved and pulled. And in the final minutes of this impressive win, he was chasing back helping out his defence.
He didn't add to his six-goal tally in the league, but the way he plays just makes it easier for others.
Ask Ryan Fryatt and Adam Marriott, who scored in each half to earn Lynn a deserved three points. Fryatt headed in Frazer Blake-Tracey's corner from close range, with defenders spending too much time looking for Gash. Marriott's goal was sublime: he twisted and turned in the area before smashing home the ball – but if it hadn't been for Gash's persistence, the ball would never have reached him.
"He was outstanding," said Culverhouse. "He really was. His work rate... we were just talking in the dressing room: in the 85th minute he's going back and helping the left back out. At times you probably want him to be a bit lazy and be a real target man, and what he gives to this side is incredible.
"People look to his goals ratio and what he brings to the team, but without him we would be a lesser team, that's for sure."
Culverhouse knows he has something special in his strike partnership, with Marriott scoring his 14th league goal of the campaign.
"It was magnificent," said the Lynn manager. "A hell of a strike, unstoppable really. but that is the quality he has got. The pair of them are a big, big plus for this football club and a big problem for opposing teams."
They might have been more of a problem had Lynn, who overcame a bright start by the visitors, been able to put in more effective crosses: there were good, entertaining passages of play, but the final delivery – Blake-Tracey's for the opener was an exception – was lacking.
Culverhouse said: "We got into good areas as well, which was a shame. We have a great outlet at the back post in Gashy and sometimes we were trying to be too precise with it – you just stand it up at the back post and give the man something to attack.
"But I was really pleased, it was a good reaction from last week. I thought we were much more on it on the ball, and we got into some good areas and played some good football at times. I thought after the initial 10 minutes, when it was going to be a battle anyway, once we split and got on the ball a little bit we looked a really decent side again."
It's telling that Culverhouse uses the word 'again' – he was far from pleased after last weekend's defeat at AFC Rushden & Diamonds, but saw a clear improvement against Redditch, a side who started the game in 17th place in the table and, despite plenty of effort, were just never able to match Lynn's class.
Victory came at something of a price: there will be concerns over skipper Michael Clunan, whose attempt to run off a foot injury after a nasty late tackle proved unsuccessful, Ryan Jarvis and Jordan Richards.
"Michael got one on top of the ankle," said Culverhouse. "I think he left his foot there and he was a little bit high and he caught the top of his foot. It has swollen up quite quickly, which is a concern, so we have ice on it and it is about how he recovers.
"Richo got a bit of a hip flexor so that is why he came off – I thought he was outstanding again today – and Jarvs has very tight hamstrings at the moment, so he has done excellent to get out there.
"So we are carrying a few, but we will get through."
Lynn: Street, Jones, McAuley, Fryatt, Blake-Tracey, Jarvis, Richards (Parker 81), Clunan (Hawkins 66), Henderson, Gash, Marriott (Mellors-Blair 86). Subs: Robinson, Kerins.
Redditch: Whitehouse, Ashmore, Washbourne (Dawning 76), McGrath, Parsons, Evans, Stoddart, Bunn, Johnson, Leachman-Whittingham (Howards 62), Batchelor. Subs: Sinclair, Franklin, Nelson
Ref: A Wilson (Boston). Att: 621
If you value what this story gives you, please consider supporting the Eastern Daily Press. Click the link in the orange box above for details.


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Thermodynamic theory is at the core of heat exchanger design; it incorporates a range of necessary fluid and solid parameters, flow dynamics and required heat duties to achieve specific temperature changes. The fundamental background of heat-transfer theory can be found in Coulson et al. (1999) which discusses energy relationships and heat transfer in the chemical engineering industry. Many of the basic laws of thermodynamic behavior can be derived from this source to provide additional contextual background to heat exchanger principles. This design process uses the design procedure outlines in Sinnott (2005) for a shell and tube heat exchanger. The fundamental features of a shell and tube heat exchanger can be seen in Figure 1. A tube side fluid enters the heat exchanger through an inlet on the heat exchanger shell. Its flow is directed through the heat exchanged by baffles, allowing axial and perpendicular flow across the tubes allowing for heat transfer. The baffles are also responsible for holding the tube bundle together and in the correct shape. Additional shell passes can also be achieved by axial baffles direction shell side fluid flow. The tube side fluid enters the unit through a front-end stationary head. This head piece is mounted to the shell and to plant piping. A rear end head piece is also attached, although its design can also be fixed (hence no allowing the tube bundle to be removed) or floating. The number of tube side passes is determined by the arrangement of the tube bundle and determined the shells diameter. TEMA nomenclature is used to describe the head and shell types of heat exchangers. This same nomenclature is used in this report and refences can be found in Sinnott (2005).
SWOT Analysis
SWOT analysis of heat exchanger can summaries the key takeaways behind the selection of the heat exchanger.
Table 1: SWOT analysis
• Fulfills the criteria and constraints given
• Good heating and cooling capacity
• Fully completed heat exchanger design Weaknesses
• Is not optimized completely and extra pressure drop and low residence time
• Show linear velocities
• Heat losses
• Based on assumptions that thermal conductivity along the length remain same
• Using Aspen Plus or Aspen HYSYS the exact thermal and transport properties can be calculated
• Conducting more research related to thermal conductivities of the wall
• Pressure drop calculations can be carried out using different process simulators for accurate rigorous calculations Threats
• No simulation was conducted to improve the design and rating performance
• Minor error in calculations are possible
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Fig. 1, Typical Shell and Tube Heat Exchanger (Shah, 1981)
According to the TEMA design and through evaluation it was found that the most appropriate design for the heat exchanger was AFT heat exchanger with a pull-through floating head will be used as it was the best for cleaning and it is the most common configuration for chemical processes (Mukherjee, 1998).
The recommended design is to have two shell passes and four tube passes as outlined in graphs in (Sinnot, 2013). Whilst this report has been extensive in calculating the various design specifications found in the heat exchanger, it is advised that further study take place whether it be simulating or removing assumptions as these will lead to a more valid and reliable heat exchanger. The principle parameter of the calculations is the overall heat transfer coefficient of the system, which relies on shell and tube side fluid properties and heat exchanger sizing and materials. This coefficient is used to size the heat exchanger and perform calculations to determine the required shell and tube parameters. Although since an approximated overall heat transfer coefficient is required to start the design process, an iterative methodology is used through the design until the calculated heat transfer coefficient reached an acceptable deviation from the assumed heat transfer coefficient.
Fig. 2 Construction based heat exchangers
Fig. 3 Parts of different heat exchangers TEMA
Classification of Heat Exchanger by Construction Type
Heat exchangers also can be classified according to their construction features. For example, there are tubular, plate, plate-fin, tube-fin, and regenerative exchangers. An important performance factor for all heat exchangers is the amount of heat transfer surface area within the volume of the heat exchanger. This is called its compactness factor and is measured in square meters per cubic meter.
Tubular exchangers are widely used, and they are manufactured in many sizes, flow arrangements, and types. They can accommodate a wide range of operating pressures and temperatures. The ease of manufacturing and their relatively low cost have been the principal reason for their widespread use in engineering applications. A commonly used design, called the shell-and-tube exchanger, consists of round tubes mounted on a cylindrical shell with their axes parallel to that of the shell. The principle components of this type of heat exchanger are the tube bundle, shell, front and rear end headers, and baffles. The baffles are used to support the tubes, to direct the fluid flow approximately normal to the tubes, and to increase the turbulence of the shell fluid. There are various types of baffles, and the choice of baffle type, spacing, and geometry depends on the flow rate allowable shell-side pressure drop, tube support requirement, and the flow-induced vibrations. Many variations of shell-and-tube exchanger are available; the differences lie in the arrangement of flow configurations and in the details of construction.
The character of the fluids may be liquid-to-liquid, liquid-to-gas, or gas-to-gas. Liquid-to-liquid exchangers have the most common applications. Both fluids are pumped through the exchangers; hence, the heat transfer on both the tube side and the shell side is by forced convection. Since the heat transfer coefficient is high with the liquid flow, generally there is no need to use fins.
Some basic types of baffles has been shown in the figure.
Fig. 4, Classification of heat exchanger
Fig. 5 Baffles types
Methodology / Deign Steps
Here are the steps for rating of Heat Exchanger
1. Perform energy balance
2. Select heating and cooling media
3. Calculate the steam flowrate
4. Determine or extract physical and transport properties of fluid
5. Allocate heating and cooling fluids side
6. Decide the heat exchanger type
7. Calculate the LMTD
8. Guess the value of overall heat transfer coefficient
9. Estimate the provisional area requirement
10. Estimate the actual area from the given information
11. Calculate individual shell and tube side heat transfer coefficients
12. Calculate the overall coefficient
13. Calculate heat transfer rate
14. Keep on iterating to reach exact solution
1. Negligible heat loss to the surroundings.
2. Negligible kinetic and potential energy changes.
3. Constant properties
4. Steady state operation
5. Velocity of both fluids entering and leaving the heat exchanger are same over the cross section
6. Counter current heat exchanger is assumed
7. There are no thermal sink or heat source attached to the heat exchanger
8. Thermal resistance of wall remains same over the whole length of tube
9. Saturated steam is assumed to be a heating media
10. Saturated liquid is leaving the heat exchanger (condensing steam)
11. Individual and overall heat transfer coefficients remains same along the length
12. Ratio of viscosity of fluid and viscosity at the wall is assumed to be 1
13. No extended surfaces are being used
14. Fluid flow is uniformly distributed
15. Specific heat of fluids remains same throughout the heat exchanger
Equations and Calculations:
Basis data is as follows:
1. Compute Energy balance
Using the below equation, we can calculate the heat transfer for the heat exchanger;
Q = 12539442.08 kJhr
2. Select heating medium (Given)
Saturated steam as a heating media at 300 kPa
3. Compute utility flowrate
Steam flowrate = Q / (Lambda )
Steam flowrate = 5794.57 kg/hr
4. Compute physical properties
Stream ID Water_In (1) Water_Out (2) Steam_In (3) Steam_Out (4)
Mass Heat Capacity kJ/kg-C 4.1798 4.1798 2.199 2.199
Lambda kJ/kg 2164 2164 2164 2164
Mass Density kg/m3 992.0203 992.0203 1.6509 1.6509
Viscosity cP 0.6514 0.6514 0.0133 0.0133
Thermal Conductivity W/m-K 0.6315 0.6315 0.0272 0.0272
5. Allocate fluids side
Condensing steam is allocated in the shell side due to volume change and water is in the tube side.
6. Decide the exchanger type
The most used shell and tube type is chosen.
7. Determine LMTD
8. Select value of overall coefficient, U
Assumed value of overall heat transfer coefficient is 800 W/m2-C
9. Estimate the tentative area requirement
Area = 508.07 m2
10. Estimate the actual area (based on given geometry)
Actual Area = 29.48 m2
11. Calculate the shell and tube side heat transfer coefficient
Re = 5360; Pr = 1.08
ho = 104 W/m2-C
12. Calculate the overall coefficient
Uo = 8000 W/m2-C
13. Calculate heat transfer rate
14. Pressure drop for the tube side
f = 0.00708
Pressure Drop = 6.03 psia
15. Pressure drop for the shell side
Pressure drop = 4.65 psia
Fig. 6: Counter-Current Heat Exchanger
Result and Discussion
The result indicated that the heat exchanger is under-designed due to which it is impractical to use such heat exchangers. Usually, heat exchangers are overdesigned to incorporate leakage, losses, and other factors. This heat exchanger can be used to process part of flowrate but to meet the heat exchange requirement, it is required to increase the area of heat transfer. Other way is to install a parallel heat exchanger to meet the requirement.
Takeaways and Learning
This problem helped us to apply the heat transfer fundamentals to deal with a pragmatic problem. Moreover, this problem ease to develop deep understand of heat exchanger and to explore different types of heat exchangers along with application in real life. It facilitated to incorporate different concepts to analyze the practical problem and imply some valid assumption to made calculations simpler to build a solid base for further improvements.
Symbol Meaning Units
? Density kg/m3
µ Viscosity
?T Change in temperature ?
?Tlm Log mean temperature difference ?
?Tm Mean temperature difference ?
kw Wall thermal conductivity W/ m °C
kf Fluid thermal conductivity W/ m °C
Q Heat Duty kj/hr
U Overall heat transfer coefficient W/m2-C
A Area m2
Nt Number of tubes
?? Mass flow rate kg/hr
Cp Heat capacity kJ/kg-?
ut Tube side velocity m/s
us Shell side velocity m/s
jh Tube side heat transfer factor
jn Shell side heat transfer factor
?Pt Tube side pressure drop kPa
Re Reynolds number
Pr Prandlt number
Nu Nusselt number
do Outer tube diameter mm
di Inner tube diameter mm
de Equivalent shell diameter mm
L Tube length mm
Db Bundle diameter mm
Ds Shell diameter mm
lb Baffle spacing mm
As Shell side cross section area m2
hi Tube side heat transfer coefficient W/m2-C
ho Shell side heat transfer coefficient W/m2-C
hid Tube side fouling factor
hod Shell side fouling factor
jf Friction factor
Np Number of tube side passes
?Ps Shell side pressure drop psia


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Rehearsal Dinnner BBQ Buffet
Adding a theme to your rehearsal dinner can be a nice touch. Photo Credit: Cronin Hill Photography
Comfort food at it's finest
Homemade tomato soup with grilled cheese - can't go wrong! Photo Credit: Wayne & Angela
Because kids are people too
Row row row your boat gently down the stream, merrily merrily, merrily life is but a dream. Feed the kids first, that's our motto.
Pie Display
Beautiful pie display for a large event at the 1824 House. Photo Credit: Dreamlove Photography
Cutting the cake
One of Occasion's wedding cakes is enjoyed by a bride and groom. Photo credit: Orchard Cove Photography
Mac and Cheese tasting spoons
Macaroni and cheese as a passed hors d'oeuvres is a perfect way to incorporate some Vermont cheeses without breaking the bank. Photo credit: Occasions Catering
Show More


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$20 - $45
Between worlds, on the edge of titillation and imagination, just a breath before midnight exists the mystical Cirque Exotica: a timeless realm where circus and erotic arts surround unbound. For all the world's a stage and you are invited to feast your eyes upon its glorious splendor.
The realm of Cirque Exotica is presided over by the three sisters: The beautiful and mysterious Enchantress is filled with enrapturing magic; any soul who lays eyes upon her shall be seduced to join her menagerie. At her side is the infamous Ring Mistress who is the mighty conductress governing the land's curious band of glorious vaudeville creatures. The third sister is the Jestress, a dark and sardonic prankster tasked with twisting tales of witty distraction, beguiling the audience.
Whispers of temptation weave betwixt moonbeams as they shine spotlights upon the stage. Laughter and applause drift on the breeze. The portal opens as the three sisters await you, ready to reveal their dark beauty.


text: During incremental language understanding, comprehenders draw on a rich base of probabilistic cues to efficiently process the noisy perceptual input they receive. One challenge listeners face in employing such cues is that most cues are context-dependent. Here, we present an experiment that investigates the extent to which listeners learn situation-specific adjustments in the information and/or weight of the lexical bias of a verb. Specifically, we ask to what extent comprehenders are able to rapidly change their interpretation of lexical cues to syntactic structure, where such behavior would be rational due to situation-specific statistics in the environment.


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Doom with a View
Some really impressive, albeit over the top, marketing for The Listing (2015), a nine-minute horror short. If they put this much effort into the ad poster (flippin' awesome at that), then one can only glisten with excitement sweat over the film itself, which runs about as long as a post-high fiber breakfast sit down.
"It's the last home you'll ever buy," the movie's kicker line, is kinda generic, though, I would've gone with "Doom with a View" or "F'd Up Death House Party." But then I'm all about marketing. The long line is a bit better: "3 Bedroom, 2 Bath, 1 Dungeon, and a deadly aftermath." (The "deadly aftermath" part lines up nicely with "post-high fiber breakfast sit down."
The plot is also less-than-informative: "A beautiful two-story starter home is for sale, but all its former occupants have never left alive." I wonder if the bank that loaned them the money killed 'em for late payments? Sounds like something a BANK in and of AMERICA might do.
The beauty of The Listing (releasing sometime in 2015) being so short is that, by nature, has to get to a "don't bore us, get to the chorus" punchline quickly. I like this business model. So much so, I'm gonna start doing day-to-day everything in nine minutes, starting in about 15 minutes. Hey, I'm busy, man.


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Once upon a time in the land far away.. oops sorry. Seriously, once upon a time when we wanted to find out information we went to the Search Engine at least that's what it was called back in the day before Google dominated search. At that time there were an abundance of search options, Yahoo, LookSmart, AskJeeves and Dogpile just to name a few. Then there was Google, and nothing would ever be the same again. So, after Google became a HUGE player in the search industry, we no longer used a search engine, we Googled. It was just what was done and how things happened. Notice that I am speaking in past tense.
Now, we don't really Google so much. No boo-hoo's for Google, they will survive as they are still hot and have the Internet "It Factor." However, times are a changin' and Facebook is now a truly dominating factor on the Internet. We still Google a bit, after we check our Facebook page, search for companies to LIKE, play Farmville or whatever ville we are playing now and check the news feed of our millions of friends..
The game has changed so much…..So what do we have now…We have, Google search and Social Media by way of Facebook and other channels. Social Media is hot, Google is still pretty hot and serves most of our search needs. Guess what, there is another avenue that is going to turn Google and Social on its head. Social Search, I've been talking about it forever. I've been saying, "It's Time for Social Search" and "Social Search is happening now." Guess what, Social Search IS HERE and guess what again, I am experiencing it's awesomeness as you read. Wajam, remember that name because I believe it will be what Google is to Search and what Facebook is to Social Media.
The combination of traditional Google Search with Social Media becomes Social Search. This allows a person to not only search by interests but it allows them to see what their friends are interested in, right in the Google Search results. HOW huge is that? Take a look at the video and demo below.
Just like the video, I started a search on Google. I searched for the word "Wajam" and not only did I get traditional Google search results, I also got WAJAM search results. This included search results from my Twitter followers and Facebook friends. My results actually displayed the conversation with my friend Nakeva on Twitter in which she sent the Wajam invite that got this ball rolling. How awesome is that?
Amazing stuff and the wave of the future. Remember, you saw it here first. Wajam is still in Beta so make sure you request an invite.
As usual I welcome any comments, good, bad, ugly or indifferent. So feel free to leave me a comment or post directly on my Facebook Wall.


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Fly guy, Sebastian Mikael recently dropped by our studios to chop it up with the Fly People. The Swedish, R&B soul singer chatted with us about his music, his favorite albums and even Chris Brown's intruder, step into our videos below and find out why #WeLike Sebastian Mikael.
Chris Brown's intruder;
His music, favorite albums and what he considers FLY;
-Stay Fly!
Also On Stuff Fly People Like | SFPL:


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ST. JOHNSBURY- For the second year in a row Lyndon State College student, Alex Vollono is helping to fight back against childhood cancer, with his benefit show, "Be Their Voice!"
Vollono partnered up with fellow student, Marybeth Noonan last year with the intention of helping to fund childhood cancer research.The event is taking place at the Kingdom Taproom in St. Johnsbury, which is well-known for allowing fundraisers like this one, to be held at the resturant, free of charge.
This fundraiser includes craft beer, food and a raffle with prizes including a brand new Apple watch, a guitar signed by 'The Drop Kick Murphy's' and a season pass to Burke Mountain. In addition to the food and the raffle, it has been arranged for live music to play at the event; local bands such as 'The Alantic Effect'. 'The Bonnets', 'The Mangroves' and 'Rookie' will be there. All the bands have agreed to play at the event, free of charge.
Vollono says that the raffle prizes have all come from donations, "I suppose it's a trick of the trade. People found out about the event and wanted to donate. also used my professor to get the guitar".
The fundraiser is not a part of any organization or a requirement for a class, which leaves Vollono dedicating much of his time to this benefit show.
"This year I've put way more hours in than last year because last year we had a little more time. So I've been putting about three to four hours a day for the past two or three weeks," says Vollono.
Last year's event raised around $1,000 for childhood research and Vollono jokingly says his goal this year is to, "raise $1,001".
"Be Their Voice!" is not the first time he has involved himself with charity, in fact it's something he's grown up doing; seeing it as his duty to help those in need.
"I've always felt that everyone has their purpose and mine was always to help people. I've always been involved in soup kitchens, and charities stuff ever since I was young with my mom. I think on a deeper level it's a human responsibility," says Vollono.
When asked what community members attending the show should expect, Vollono's response was, "expect to me amazed".
The benefit show will begin at 8 P.M at The Kingdom Taproom in St. Johnsbury and anyone planning on attending the event should bring $3 for the entrance fee.
According to Vollono, hundreds of people attended the event over the weekend. The goal of raising over $1000 was not reached, however they were able to raise over $600. Despite not reaching their goal Vollono and Noonan say they are not giving up yet as the person who won the guitar signed by the Drop Kick Murphys in the raffle; is considering selling the guitar online and donating half of the proceeds to childhood cancer research. They say that as long as the money is given towards childhood cancer research, then they feel that they've met their goal in having the fundraiser.


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Secure your property with a CCTV security system for business with the help of Advanced Control.
CCTV security systems for business are the standard surveillance system for protecting your property. If you have not installed a CCTV system inside your building and for your outside property, you are taking unnecessary risks. A CCTV surveillance system is an affordable option that will assist human guards, and your management team, in assessing the 24/7 activity taking place on your property.
Camera Systems for Business
Today's technological advancements have integrated CCTV security systems with internet protocol (IP), making CCTV security systems for business an effective and easy to use option. Your entire property will have complete surveillance capability using sophisticated camera devices that can monitor and record all activity, even in the most obscure and dark areas.
Camera systems for business can monitor and transmit video in digital form, via the internet. Your CCTV surveillance system can include: network video recording (NVR), digital video recording (DVR), and hybrid video recording (HVR), for a comprehensive shield of surveillance protection.
Advanced Control Corporation has been custom designing and building camera systems for business that are unique to each property. We can inspect your property to determine vulnerabilities and provide the proper solutions to address problem areas. Our CCTV security systems for business are flexible and adaptable to any future changes or additions, and we can create a system for you in stages so that we remain within your budget. We provide affordable solutions for transitioning from analog to network, to upgrade your security system with the latest technological advancements.
CCTV Surveillance System Basics
We provide the most comprehensive array of surveillance camera systems for business that provide valuable protection against security breaches. Our camera devices are designed with unique properties to offer solutions in even the most difficult situations. Some of our CCTV surveillance system cameras include:
- CCTV Cameras – These devices will monitor your indoor building areas and outdoor property 24/7, and capture all activity taking place. Your management team, and human guards, will have the ability to observe all activity in real-time. All data can be stored for future reference, and also used in a court of law if necessary.
- Pan/Tilt/Zoom Cameras – These cameras are capable of moving into various positions for complete capture control. They are effective in surveilling large areas and can zoom in to capture details.
- Fixed Position Cameras – A great camera that can be used both indoors and out, and are usually mounted on walls and ceilings. One great feature of these cameras are their telescopic mounts with adjustable swivel heads. Fixed position cameras are used to surveille large areas like hallways or lobbies and can be integrated with digital video recorders (DVR) and network video recorders (NVR) for comprehensive 24/7 surveillance monitoring.
- Thermal Imaging Cameras – Thermal imaging cameras use infrared radiation to identify intrusion activity, and are a valuable detection tool in dark areas and adverse weather conditions. These cameras can pick up subtle temperature variances, making them a unique part of your CCTV security systems for business.
Your property should utilize all camera types for sufficient security protection, and to help deter criminal activity. If you are ready to install one of our camera systems for business, contact Advanced Control Corporation today at: 954-491-6660.


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Spanish Property Insight › Forums › Spanish Property Forums › Real Estate Topics, News & Discussion › Almost 10pc of Spanish households facing foreclosure say NYT
- This topic has 9 replies, 8 voices, and was last updated 9 years, 10 months ago by logan.
October 28, 2010 at 9:16 am #55929
I spotted this para in a recent article in the NYT:
An estimated 1.4 million Spaniards are facing potential foreclosure
proceedings, according to Spain's consumer protection association, known as
the Adicae. Recent figures from the courts show that the numbers are rising
fast. In 2007, there were just 26,000 foreclosures. Last year, there were
more than 93,000. Early indications suggest that they will be higher again
in 2010.
If true this is horrendous. 1.4 million Spaniards – does that mean 1.4 million households, which is almost 10% of all Spanish households, or does it mean 460,000 households, assuming average of 3 people per household? It's not clear.
If the former, it could become an explosive situation. Of course this situation mainly applies to primary homes around cities, not really holiday homes on the coast.
Worth reading the whole article, if you are interested in the human misery behind Spain's property boom and bust. Spain's real estate boom, which made some people very rich, has turned out to be a terrible curse. The banks are central villans of the piece.
Everyone repeat after me: The bondholders (banks, other lenders, and their shareholders) must pay their share of the crisis. Borrowers were foolish, but so where lenders, and they must pay too.
Anyway, here's the article:
In Spain, Homes Are Taken but Debt Stays
By SUZANNE DALEY
Published: October 27, 2010
Lourdes Segade for The New York Times
MADRID — Manolo Marbán, 59, is still living in his house in Toledo and going
to work in the small pink-and-aqua pet grooming shop he bought here in 2006,
when he got swept up in Spain's giddy real estate boom.
Manolo Marbán, a pet groomer in Madrid, lost his home and his grooming shop
to foreclosure and will still owe after eviction.
The daughter of Mario Gozálvez may spend her life paying off his debts
because she acted as a guarantor in a deal gone sour.
But Mr. Marbán does not own either anymore. The bank foreclosed on both
properties last April, and he is waiting for the courts to issue the
eviction notices. For most Americans facing foreclosure, that is the end of
it. But for Mr. Marbán and thousands of others here, it is just the
beginning of their troubles. When the gavel falls on his case, he will still
owe the bank more than $140,000. "I will be working for the bank for the
rest of my life," Mr. Marbán said recently, tears welling in his eyes. "I
will never own anything — not even a car."
The real estate and banking excesses in Spain were a lot like those in the
United States. Construction boomed, prices rose at an astonishing pace and
banks gave out loans just as fast, often to customers like Mr. Marbán, who
used the equity in his house to finance a mortgage for his shop. But those
days are over. Spain now has the highest unemployment rate in the euro zone
— 20 percent — and real estate prices are dropping. For many Spaniards, no
longer able to pay their mortgages, the fine print in the deals they agreed
to years ago is catching up with them.
Not only are Spanish mortgage holders personally liable for the full amount
of the loan, but throw in penalty interest charges and tens of thousands of
dollars in court fees, and people can end up, like Mr. Marbán, facing a
mountain of debt. Bankruptcy is not the answer, either. Mortgage debt is
specifically excluded here.
"Effectively, you can never get rid of this debt," said Ada Colau, a human
rights lawyer who works for Plataforma, a new advocacy group formed both to
give legal advice to homeowners and to push for reform of the country's
foreclosure laws. "Other countries in the European Union also have personal
debt mortgages, but you can go to the courts and get relief. Not in Spain."
Several opposition parties in Parliament have been pressing for amendments
to the country's foreclosure laws, including letting mortgage defaulters
settle their debts with the bank by turning over the property. But the
government of José Luis Rodríguez Zapatero has opposed such a major change
in lending practices. Government officials say Spain's system of personal
guarantees saved its banks from the turmoil seen in the United States.
"It is true that we are living a hangover of a huge real estate binge," said
Marcos Vaquer, who was the under secretary of the Housing Ministry until a
government reshuffle last week. "And it is true that far too many Spaniards
have excessive debt. But we have not seen the problems of the U.S. because
the guarantees here are so much better."
Immigrants who moved to this country in the boom years and were the first to
lose their jobs in the downturn, like Jaime Abelardo, have been the most
severely affected so far. Mr. Abelardo arrived in Barcelona from Ecuador in
1999 with the promise of a job in a warehouse. A few years later, he could
afford to bring his family over and buy a tiny apartment. Or so he thought.
But within two years, he was laid off. He blames himself for not having been
more cautious. Still, he cannot get over the figures printed on the
dog-eared papers he has received from the bank.
They say he now owes nearly 260,000 euros, almost $360,000, which includes
about 77,000 euros to cover all court costs, including the bank's, his
lawyer said. He bought the apartment for less than that — about 220,000
euros, he thinks, though many aspects of the deal were never clear to him.
His wife has left him. His unemployment payments are about to run out. He
would like to go back to Ecuador with his four children, but he does not
have enough money. "I'm thinking about shooting myself," he said.
An estimated 1.4 million Spaniards are facing potential foreclosure
proceedings, according to Spain's consumer protection association, known as
the Adicae. Recent figures from the courts show that the numbers are rising
fast. In 2007, there were just 26,000 foreclosures. Last year, there were
more than 93,000. Early indications suggest that they will be higher again
in 2010.
A recent Standard & Poor's report found that 8 percent of Spain's housing is
now worth less than the value of the mortgage, and with prices continuing to
fall, experts believe, that figure could rise to 20 percent.
Advocates say that Spain's foreclosure procedures tilt far too much in favor
of the banks, virtually guaranteeing that mortgage defaulters will end up
owing large amounts after they lose their homes.
Banks have the right to auction houses in foreclosure. If no buyers appear,
as is often the case these days, the bank can take ownership of the house
for 50 percent of its value, according to the estimate either at the time of
purchase, or at the current time, depending on what the mortgage specifies.
The banks then have 15 years to go after the homeowner.
If the banks initiate proceedings at any point, the clock starts ticking
again, experts say. In the meantime, the bank can charge interest on that
Montse Andrés Sabaté, a lawyer with Ausbanc, a consumer association that
specializes in banking services, says the banks usually charge 5 or 6
percent, but sometimes much more. "We've seen 18 or even 19 percent," Ms.
Andrés said.
And then there is the matter of guarantors. Bankers pressed many homeowners
to find guarantors at the time they took out the mortgages or when they
began to struggle to make payments. Mario Gozálvez, a truck driver, asked
his 23-year-old daughter to act as a guarantor when he used the equity in
his Barcelona apartment to buy a truck three years ago. At the time, she did
not even have a job, and he thought of it as a silly formality. Now, she
faces a lifetime of paying off his debts.
"She may not be able to inherit anything from her mother because the bank
can seize it," Mr. Gozálvez said. "No one explains this."
Early in the crisis, experts say, the banks were lenient with immigrants who
had no assets and accepted the property as payment for the loan. But some
advocates say they are tougher now. Under the law, the banks have the right
to collect a percentage of a debtor's income if it is above $835 a month.
Santos González Sánchez, the chairman of the Spanish Mortgage Association,
says it is the bank's duty to try to collect. "This helps to explain why our
financial entities have not gone bankrupt," he said.
Personal liability mortgages are common in Europe. But advocates here say
that aspects of Spain's procedures — how quickly banks can foreclose, the
interest rates they can charge and the repayment schedules they can demand —
are particularly severe. This month, even Mr. Zapatero's party joined in
voting for a parliamentary motion to slow foreclosure proceedings.
Mr. Marbán knew he was in trouble within months of buying the pet store as
his business began to taper off. To keep the bank from foreclosing, he gave
it whatever he could scrape together. At one point, he sold his car at a
huge discount to meet a payment. Eventually, he sold his wife's gold
But it was no good. He could never catch up on what he owed.
"It's funny, when I finally lost the house, I started sleeping," he said. "I
cry sometimes, but at least I sleep now."
October 28, 2010 at 10:35 am #101342
What caught my eye was this:
A recent Standard & Poor's report found that 8 percent of Spain's housing is
now worth less than the value of the mortgage, and with prices continuing to
fall, experts believe, that figure could rise to 20 percent.
That is a horrendous figure and has all sorts of implications aside from the impact on the individuals involved. What does this do in terms of damaging the economy? Lack of labour mobility, depressed consumer spending, etc, etc.
If this does come to pass, we surely must see some fairly big banks go to the wall. I can't see the ECB stepping into the breach and i doubt those few Spanish people still paying tax could shoulder the burden.
October 29, 2010 at 9:04 am #101368peterhunParticipant
@mark wrote:
Everyone repeat after me: The bondholders (banks, other lenders, and their shareholders) must pay their share of the crisis. Borrowers were foolish, but so where lenders, and they must pay too.
Ah, but the beauty of the banking industry is that when you penalise bankers, the borrowers suffer as well due to lack of lending pushing house prices down. Banks are in a win-win situation; can't go bust, make profit when prices rise and the government legislates/lends to ensure they make back their losses in a crash.
The solution for debtors is obvious; work in the Black economy or emigrate. The reason Spanish banks look solvent is that they can claim that these debts (inflated with large interest payments of course) will be repaid and keep them on their books.
October 30, 2010 at 3:49 am #101380GarySFBCNParticipant
Well, if the banks in Spain are anything like those here in the US, they won't budge or share the pain, even if it is their best interests to do so.
Instead of making minor concessions on the interest rates, they pretend that they cannot do anything and end up owning the property. Here in California, people have the right to 'walk-away' from their mortgages and homes, leaving the banks (you know, the ones that refused to negotiate the mortgage for home owners) owning property that has lost much of its value and former home owners emotionally broken and starting over.
And guilty the banks are. They lent money to people who could never repay, falsified paperwork, inflated appraisals, etc.
October 30, 2010 at 10:12 am #101381
Yes, they are as in America!!!! A friend of mine had a property for nearly ten years with 50% equity, met all his payments never missed one payment.
He just wanted the Bank to reduce the interest rates before the anniversary due date or make his payments interest only for a 12 to 18 months, until he sorts himself out. The Bank did not agree & he hand to do " dacion de pago " I think this what it is called, where the borrower agree with the bank & hand over the keys with no follow up. Yes he had to pay for the cost of taking this action as well.
An perfectly good customer needless to say that he will never buy in Spain again nor his family, friends after hearing that he lost over £70k , because of the banks inflexibilty.
October 30, 2010 at 11:17 am #101382katyBlocked
Don't know where I read it but this week a man said they had been forced to return to the UK. Finding it impossible to pay the spanish mortgage and rent in the UK. He asked the spanish bank to change the terms of his mortgage and they want to charge him 6000euro to do so.
October 30, 2010 at 12:12 pm #101383
Some of the change of terms may means change of product & this in teurn means taxes & Notary fee. Spanish Government is an accomplice in this perpatuation of misery.
October 31, 2010 at 9:03 pm #101386
can the banks cope with having all these extra homes on their books surely there are only so many they can have until they have a cash flow problem.Also with so many homes already unsold even if they wanted to unload them would they be able to without sending the housing market spiraling out of control.
November 1, 2010 at 8:11 am #101387
That, dartboy, is the million dollar question.
November 2, 2010 at 5:31 pm #101401loganParticipant
The banks can cope and indeed profit from the current situation. Individual stories of hardship are part of the human condition. What is important from the States point of view is that their institutions remain relatively undamaged so they continue to perform for the future. Spanish banks are protected by the EU and will not be allowed to fail. Some Caja's may merge but the core banking system is safe and will prosper.
Individuals who borrowed unwisely or even wisely must summon the courage to deal with their problems because in a capitalist economy failure is soon forgotten. Moving on is the only workable alternative. Giving up can never be a useful option.
- The forum 'Real Estate Topics, News & Discussion' is closed to new topics and replies.


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The Australian Women and Children's Research Foundation (OZWAC) is calling on the community for extra support, as it continues to fund breakthrough medical projects.
On Tuesday, OZWAC representatives met with their major sponsors at the Nepean Hospital Neonatal Intensive Care (NIC) Unit to discuss how new research has improved the health of women and children.
OZWAC provide initial research grants that allow doctors to get their ideas off the ground, if they receive good results they can then apply for Federal Government funding.
"We've been funding research at Nepean Hospital for over 20 years, during that time we have supplied equipment purely dedicated for research and the results from that has led to improved treatment," Deputy Chair of OZWAC, Diane Williams said.
"Nothing changes unless you understand what you need to change. Through research they identify how they can do things better."
As the only research foundation in the greater western Sydney region, OZWAC draws upon community support to raise funds in order to sponsor local doctors.
Dr Girish Deshpande, a Neonatal Paediatrician at Nepean Hospital, has received OZWAC funding since 2010.
Working in the NIC unit, he recognised that premature babies weren't getting enough nutrition, and that stress was affecting the quality of the mother's breast milk.
He obtained a piece of machinery used in the dairy industry and worked alongside engineers from the University of Sydney to calibrate it for human milk.
This machine, which is exclusive to Nepean Hospital, now allows for the milk to be adjusted to maximize nutrients.
Currently, OZWAC has grant applications for $250,000 but could only fund $60,000 of that this year which was thanks to a fundraiser held at Penrith Panthers and a generous donation from PremiAir Services.
"It's sad that we need to even put in for a place like this, you'd think the government would have all of this equipment paid for to make life better for everybody," Penrith Panthers CEO, Brian Fletcher said.
"We're a big organisation so it's our duty to do something."
For more information or to donate, visit www.ozwac.org.au.
A graduate of Western Sydney University, Nicola Barton is a news journalist with the Western Weekender, primarily covering crime and politics.


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Reports show industry is divided but optimistic
The UK design industry is 'big, successful and optimistic', but still displays symptoms of an 'immature' industry, according to a research report unveiled this week by the Design Council and the Design Business Association.
Billed as 'market intelligence' for the sector, the document aims to provide the first comprehensive picture of the sector, says Design Council deputy chief executive, Harry Rich. It comes ahead of the eagerly-anticipated Cox Review, which will be published later this year in time for the 2005 Pre-Budget report.
'This was a very complex piece of work and goes much deeper than previous reports in understanding the characteristics of the industry, how design consultancies are run, compete and get new business for example,' he explains. The report shows that while the industry is 'growing and successful', it has not yet fully matured. It is 'fragmented', with designers remaining divided over how best to tackle key problems such as free pitching. Nearly half of the design consultancies and freelancers pitch creatively for no fees, yet many find the process 'irksome.' But some 32 per cent think it should be accepted as a fact of life.
Consultancies are also failing to fully integrate strategic thinking into their design processes, with nearly half of the design industry believing their colleagues do not communicate the value of design well enough. There is also seen to be a lack of planning within the industry; half of design business owners admit they have no future plans for their business after they leave.
However, in general, the design industry is buoyant, the report shows. Turnover for the UK design industry totalled £11.6bn in the previous financial year and more than half of design businesses expect fee income to rise in the coming year. This overall optimism is helping to push the industry forward – 8733 designers left a consultancy last year, but twice as many were recruited.
More designers are working in the digital and media areas than in any other business sector in the UK, reflecting the boom in the digital industry and the demise of a manufacturing base. In general, product, industrial design, fashion and textile sectors are facing growing international competition. Some 37 per cent of product and industrial design clients are based abroad, compared with only 12 per cent of fashion and textiles.
The British Design Initiative, meanwhile, unveiled its fifth annual Valuation Survey this month, supporting some of these key findings. It reveals an overall strong design sector, but suggests small to medium-sized design consultancies could 'take on board more design-strategic ways of thinking', explains Jeremy Walker, director at BDI.
'In the last three years we have seen nothing but falls. It's not been a pretty thing. However, the report shows things are on the up,' he adds.
Report jointly commissioned by Design Council and DBA
Key findings:
• 185 500 people work in design in the UK
• The UK has 12 450 design consultancies and 47 400 freelance and self employed designers. Definition of designers split into seven different categories
• Turnover of the UK for 2004 totalled £11.6bn
• Some 56 per cent of designers work in digital and multimedia, while only 16 per cent work in product and industrial design.
• Sample: 1785 design groups
• Turnover up 18 per cent to £4.6bn
• Fee income up 28 per cent to £4bn
• Overseas fee income up 28 per cent to £0.7bn
• London turnover up 4.5 per cent to £2.3bn
• Staff numbers up 1 per cent to 71 000
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Assisted-death bill passes state Senate committee
A controversial bill to bring physician-assisted death to California passed its first hurdle Wednesday after hundreds of people lined up to voice support and opposition to the legislation.
Senators approved the legislation in a packed committee hearing in the state Capitol.
"We are pleased to see it pass," said Sen. Bill Monning, D-Carmel, one of the authors of SB128, which would allow a mentally competent terminally ill adult to receive a lethal prescription to hasten death. The Senate Health Committee voted 6-2 along party lines to pass the legislation, with Sen. Richard Pan, a Democrat from Sacramento who is also a doctor, abstaining from the vote.
"This vote reflects the changing sentiment in California," Monning said.
Prior to the hearing, the family of right-to-die advocate Brittany Maynard released video testimony in which she urged California lawmakers to allow terminal patients in the state to decide how and when they die.
Maynard, a Bay Area woman who moved to Oregon last year to take advantage of that state's Death With Dignity law, recorded the video testimony 19 days before she died Nov. 1 in Portland after taking a deadly prescription.
SB128, known as the End of Life Options Act, is modeled after the Oregon law that Maynard accessed after being diagnosed with terminal brain cancer.
"We should not have to suffer excruciating pain, shame or a prolonged dying process," Maynard said in the video. "The laws in California and 45 other states must change to prevent prolonged, involuntary suffering for all terminally ill Americans. As elected officials, you have the power to make this happen."
Oregon's law allows doctors to prescribe fast-acting lethal prescriptions to patients with less than six months to live.
Opponents contend that aid in dying puts vulnerable people at risk, particularly the elderly and disabled.
Dr. Warren Fong, president of the Medical Oncology Association of Southern California, told lawmakers that the bill creates a slippery slope and that as a doctor, he sees assisted death as abandoning terminally ill patients, which he said would "defile" the profession.
"We need to concentrate on making the right programs better," Fong said. "Do not mistake temporary popularity as wisdom. … What the voters want is important, but it should be only one decision point."
The bill's co-author, Sen. Lois Wolk, D-Davis, said the fears of opponents have proved unfounded in the nearly two decades the law has been in place in Oregon.
Since Oregon enacted Death with Dignity in 1997, a total of 859 people died using the lethal drugs of the 1,327 prescriptions written. Last year, doctors wrote a record-high 155 prescriptions under Death with Dignity, according to statistics kept by Oregon's Public Health Division. As of February, 105 people had died using prescriptions written in 2014.
In all, five states have some form of aid-in-dying laws and many other states are currently considering legislation.
California has tried five times to pass aid-in-dying laws, with the first coming in 1992, when state voters rejected a ballot initiative to legalize the practice 54 to 46 percent. Lawmakers tried four times to pass bills in the state Legislature between 1995 and 2008, but each ran into significant opposition and failed.
"There has been a sea change in public opinion and we think a lot of that has been catalyzed by Brittany willing to be public and courageous in her story," Monning said.
Melody Gutierrez is a San Francisco Chronicle staff writer. E-mail email@example.com


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Ay, caramba! Check out the tonguey grin on BARK SIMPSON 👱♂, a 1.5 year old #WireFoxTerrier mix. This sweet boy has the cutest face, and scruff to match.
Perfectly sized at 33 pounds, Bark Simpson loves other dogs, walks well on a leash and enjoys meeting new people. Bark will be going into his foster home this where he will learn more manners and crate training. Bark is fully vetted, vaccinated and neutered.
Bark Simpson is ready to find his forever home and shower you with love!


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Barcode scanners - large selection at fair prices
ID.SYS GmbH is a leading international barcode distributor with a wide range of barcode scanners of all stripes. We offer in our online shop a selected range of products for bar code scanners. Here we present proven barcode scanner models and barcode scanner of the latest generation.
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According to a survey conducted by Gametart, a game rental service in the UK, chicks who game get more lovin' than those who don't. Out of a sample of 200 ladies (or should that be "laid-ees"?), the ones who gamed got, erm, fragged 1.1 more times a week than those who didn't.
So what I'm saying is you might want to give your honey a DS for Valentine's Day. Mmm hmm. Read on for the rest of the oh-so-scientific study.
Gamers Have Sex More Often!It's official – women who play video games have sex more often! Gametart, the UK's largest online games rental company, carried out the survey throughout January to see how the recent influx of the likes of Pink
PSPs and DS Lites would affect gamers' sex lives across the country.
The results were surprising.
Of our sample of 200 women, those who played video games on average had sex 4.3 times a week while those who didn't play games only had sex just 3.2 times a week.
Perhaps even more promising for gamers is the fact that many of the women that we interviewed who have only recently started playing games said that they now have sex more often than before.
Gamers have never had it so good!


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Home > Railroads > Former Railroads > New York, New Haven & Hartford - Pittsfield to South Norwalk > Ashley Falls
The large overhang over the porch suggests that this might have once been the train station, moved from its original location along the tracks.
The station may have been in this area.
Welcome Page | Railroads | Former Railroads | Site Map
If you have any questions / comments / corrections for this website or find a broken link, please e-mail me.
Copyright 2016 by Robert Mortell


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Thiamine is essential for metabolizing sugar, and eating too much sugar-laden food and beverages depletes thiamine levels. Symptoms of thiamine deficiency range from neuropathy to beriberi. (Editors of Prevention Magazine. Complete Book of Vitamins: All New Edition. p 1226-127. PA: Rodale Press, 1984.)
Sugar and alcohol, both of which could be considered drugs (at least technically), cause the body to be depleted of "B" vitamins. (Dychtwald, Ken, PhD., ed.Wellness and Health Promotion for the Elderly, p 191. MD: Aspen Publication, 1986.)


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This workshop is focused around understanding the complex world of Data migration and synchronization strategies in moving your data between your current lines of business systems to Dynamics365. The primary objective for this workshop is for attendees to leave with a complete understanding of the underlying architecture, implementation and considerations involved when developing a Data Migration Strategy.
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