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Monthly Archives: October 2013
Foreclosure Improvements Held Back by Judicial States New York Among Highest Percentile
Completed foreclosures in September totaled 51,000 nationwide, down 39 percent from a year earlier when banks repossessed 84,000 homes. CoreLogic said, in its September National Foreclosure Report, that the number of foreclosures last month was virtually identical to that in August.
By way of comparison, CoreLogic said that in what might be considered a more normal market, the period from 2001 to 2006, there were an average of 21,000 foreclosures completed each month. The approximately 4.6 million foreclosures completed in the 60 months since the financial crisis began in September 2008 average 76,700 per month.
In September the foreclosure inventory, that is the number of homes in some stage of foreclosure, stood at approximately 902,000, down one third from 1.4 million one year earlier. The inventory decreased by 3.3 percent from August to September. The inventory in September represented approximately 2.3 percent of mortgages homes in the U.S., down from 3.2 percent in September 2012.
"The foreclosure inventory continues to decline, now standing at an early 2009 level," said Mark Fleming, chief economist for CoreLogic. "Just over 900,000 properties remain in the inventory, two thirds of them in judicial states where the foreclosure process is typically slower. Consequently, the pace of overall improvement in the inventory will slow down and distressed assets will cast a long shadow over housing markets in states with judicial foreclosure."
"The number of seriously delinquent mortgages continues to drop across the country at a rapid rate with every state showing year-over-year declines in foreclosure inventory," said Anand Nallathambi, president and CEO of CoreLogic. "We're not out of the woods yet, but these are encouraging signs for a return to a healthier housing market in the U.S."
Five states accounted for almost half of all completed foreclosures over the 12 months ended in September. Florida had 115,000 foreclosures, California 52,000, Texas 43,000, Michigan, 40,000, and Georgia 39,000. The states with the highest foreclosure inventory as a percent of mortgaged homes were Florida (7.4 percent), New Jersey (6.5 percent), New York (4.8 percent), Maine (4.0 percent) and Connecticut (3.7 percent).
MBS MID-DAY: Cautious but Meaningful Rally After ADP Data
In other words, 10yr yields have continually shied away from breaking any lower than that, though MBS have increasingly outpeformed in the meantime. Whereas 10's are no lower than overnight lows, MBS are at their best levels since June. The afternoon events could draw out some more conviction in Treasuries (meaning either a firmer bounce against recent yield floors or finally breaking them).
The Day Ahead: Several Potential Market Movers; Focal Point is Retail Sales
– Extremely light volume; Data mattered very little
– Most trading surrounded the Fed's daily buying operation
– Pending Home Sales were negative year/year, 1st time in 29 months
– Factoring out homebuyer tax credit, Pending Sales were much much worse
– Expecting a bit more activity due to more robust data offerings
– Focal points on Retail Sales (830am) and Consumer Confidence (10am)
– 5yr Treasury Auction is a supporting actor, but no star
– Bond Markets look "ready to rally" if given a reason
From the standpoint of trading levels, yesterday was meaningless. Both Treasuries and MBS remained inside the ranges set by Friday's highs and lows. Data had limited effect and the biggest volume was seen surrounding the Fed's scheduled Treasury buying operation. That's a clear-cut indication of day that may as well not have happened. Pending Home Sales at least made it worth tuning in (more on that in the "charts" section below).
Today should make up for yesterday's boredom. At the very least, it stands a better chance. Retail Sales is the focal point of the day from a data standpoint with Consumer Confidence helping round out the morning. As has been the case for several years now, Producer Prices are essentially worthless when it comes to suggesting interest rate directionality. At this point, it's going to take a concerted effort across several inflation metrics before anyone cares. That said, a lot of old dogs still care due to force of habit, but that doesn't mean they should or you should. So focus on Retail Sales at 8:30am.
If the beat or miss is big enough at 8:30, that may well set the tone for the day. Consumer Confidence is notable in that it's an October report, whereas the others are September (except Case Shiller which is August). This either means it will matter more or that it will be disregarded as overly distorted by the shutdown.
The 5yr Auction at 1pm can provide a moderate course correction in the afternoon hours but isn't the same sort of market mover as the morning data.
For more information please visit www.mortgagessiny.com
Mortgage Rates Hit 4 Month Fixed Low
Freddie Mac (OTCQB: FMCC) today released the results of its Primary Mortgage Market Survey® (PMMS®), showing average fixed mortgage rates hitting their lowest levels since this summer amid market speculation that the Federal Reserve will not alter its bond buying purchases this year.
News Facts
- 30-year fixed-rate mortgage (FRM) averaged 4.13 percent with an average 0.8 point for the week ending October 24, 2013, down from last week when it averaged 4.28 percent. A year ago at this time, the 30-year FRM averaged 3.41 percent.
- 15-year FRM this week averaged 3.24 percent with an average 0.6 point, down from last week when it averaged 3.33 percent. A year ago at this time, the 15-year FRM averaged 2.72 percent.
- 5-year Treasury-indexed hybrid adjustable-rate mortgage (ARM) averaged 3.00 percent this week with an average 0.4 point, down from last week when it averaged 3.07 percent. A year ago, the 5-year ARM averaged 2.75 percent.
- 1-year Treasury-indexed ARM averaged 2.60 percent this week with an average 0.5 point, down from last week when it averaged 2.63 percent. At this time last year, the 1-year ARM averaged 2.59 percent.
Home Prices Rise for 19th Straight Month; Pace Decelerating
Home prices posted a 19th consecutive monthly gain in August the Federal Housing Finance Agency (FHFA) said on Wednesday. FHFA's purchase only Home Price Index (HPI) rose 0.3 percent on a seasonally adjusted basis from July but the 1.0 percent increase previously reported for July was revised down to 0.8 percent.
On a year-over-year basis the August index was up 8.5 percent. Prices have now returned to the April 2005 index level but remain 9.4 percent below the home price peak attained in April 2007.
The index increased in seven of the nine U.S. Census Divisions in August with the South Atlantic and East North Central divisions experiencing declines. The South Atlantic region, which encompasses all coastal states from Delaware to Florida plus West Virginia, was down 0.5 percent and the East North Central (Michigan, Wisconsin, Illinois, Indiana, and Ohio) division saw prices go down 0.3 percent.
The largest month-over-month increases were in the Mountain (Utah, Montana, Colorado, Nevada, Arizona, New Mexico, Idaho) and West North Central (Minnesota, both Dakotas, Nebraska, Iowa, Kansas, Missouri) divisions which rose 1.3 percent and 1.2 percent respectively.
The August 2012 to August 2013 changes were largest in the Pacific Region (California, Oregon, Washington, Hawaii, and Alaska) where prices appreciated 18.2 percent and the Mountain division with a 13.8 gain. The smallest annual increase was in the Middle Atlantic division which consists of New York, New Jersey, and Pennsylvania and where prices were up 4.0 percent.
The FHFA index is calculated using home sales price information from mortgages sold to or guaranteed by the government sponsored enterprises Fannie Mae and Freddie May.
Article by Jann Swanson http://www.mortgagenewsdaily.com/10232013_fhfa_hpi.asp
For more information please visit http://www.mortgagessiny.com
Fannie and Freddie Announce Expanded HARP Eligibility Dates
In a move some borrowers and originators might consider "too little, too late" both Fannie Mae and Freddie Mac announced today they are expanding the eligibility dates for the Home Affordability Refinance Program (HARP). While tremendously useful to the small amount of borrowers who benefit from the change, it's not quite as magnanimous as it might sound.
Previously, loans had to have been delivered to the agencies by 5/31/2009 to be eligible for HARP, which led to widespread confusion as lenders and borrowers had difficulty determining actual loan delivery dates without researching agency records. In general, loans closed by April 2009 were delivered to Fannie/Freddie by end of May, so were previously eligible; those closing in May 2009, however, may have missed the initial delivery date requirement.
With the changes announced today, the eligibility date will now be based on the NOTE date, thus opening the window of HARP eligibility to all those borrowers who may have closed their loans before the May 31st cutoff, but whose loans weren't acquired by the GSEs until after the cutoff.
Fannie Mae (per Selling Guide SEL-2013-08) will update their Desktop Underwriter (DU) system on Nov 16 to reflect the new eligibility dates; Freddie Mac will update its Loan Prospector (LP) underwriting system to reflect the changes on Oct 27. Lenders are required to have DU/LP approvals for HARP loans, so may be hesitant to start them until the underwriting guidelines are revised.
Best execution rates in May 2009 rose from 4.69 to 4.88%, versus the current 4.25% rate for ideal borrowers. A borrower with a $200,000 loan could anticipate saving approximately $80/mn, an amount that could increase if rates continue their downward trend of the last month amid reduced expectations of Fed tapering.
The chief advantages of HARP loans include their reduced equity requirements, a feature that enables many equity challenged borrowers to reduce their rates without incurring additional mortgage insurance costs, and, in some cases, relaxed income documentation as well.
Home owners who closed their existing conforming loans in May 2009, and who were previously told they were not HARP eligible may want to contact a lender to discuss their HARP eligibility. Both lenders and borrowers might be excused if they wonder why Fannie and Freddie waited until the HARP program was 3 years old to make this logical change.
The Week Ahead: Ongoing Data Uncertainty, but Jobs Report Returns
– Bond markets increasingly sold off heading into debt ceiling deadline
– Short term debt market panic led the way lower for other bond prices
– MBS gained back a point of losses after the debt deal
– highest prices and lowest rates since June
This Week
– Week begins with more economic data on the horizon, Existing Home Sales Monday
– Still unclear as to which remaining reports may be delayed
– Census Bureau says working "aggressively" on updated timeline
– Jobs Report is confirmed for Tuesday; should be focal point of the week
For all the sound and fury produced over the past two weeks, trading levels in bond markets returned more-or-less in line with the trajectory that preceded the debt-ceiling drama. Now, as then, it seems that the preoccupation has been with the lack of data, especially the Employment Situations Report (or NFP, or "Jobs Report," or "Payrolls"). The report that had been due out on October 4th will now be released on Tuesday the 22nd.
Several Fed speakers–even those who haven't been supportive of continuing QE–mentioned that the removal of accommodation is likely to be on hold until effects from the Fiscal drama can be assessed. Put another way, the Fed wants to be sure the economy can demonstrate enough forward progress before beginning to withdraw accommodation. While October's FOMC meeting has been all but ruled out as the scene of a tapering announcement, December's remains an outside possibility–even if a dim one, owing to the looming expiration of the short-term debt ceiling deal in February 2014 (and no "hard deadline" until March).
Existing Home Sales is scheduled for release at 10am this morning and expected to come in at a 5.32 annual pace. This would be the biggest counter-trend movement since early 2011, but apart from the past 2 months, still the highest reading since 2009. There is no other significant economic data scheduled. To reiterate, the focus is on Tuesday's payrolls data.
Mortgage Rates Much Lower After Debt Deal
Mortgage rates fell significantly today, returning in line with the lowest levels seen in recent weeks for some lenders. Not every lender experienced the improvement in the same way, however, with some still not back to last week's best offerings. Whatever the case, the average top-tier Conforming 30yr fixed rate is back to 4.25% .
Despite our analysis suggesting rates didn't care about fiscal drama as much as they cared about economic data, and despite rates making it right back to pre-shutdown levels, the past week had seen them move higher than they otherwise might if they truly didn't care about the fiscal drama. And now they've moved significantly lower due to the fiscal drama subsiding, one might wonder what gives.
Rates actually did quite a fine job of holding steady during the first part of the shutdown, and the sense that markets were more concerned with economic data and Fed policy was reinforced. Indeed, the shutdown itself was of little concern for rates. The approach of the debt ceiling, however, had a domino effect that ended up doing some damage.
To understand the damage, we need to understand something that rarely comes into play in a discussion of mortgage rates but is always operating silently behind the scenes: the short term funding market. This simply refers to the shortest term borrowing and lending that takes place in massive quantities each day in financial markets. These are the transactions that have shorter time windows than the 2yr Treasury notes, and range all the way down to "overnight" maturities.
This is the lifeblood of all other lending, and it never usually makes the news because it's never stirring the pot in the same way it just did. Of course market participants assumed that the risk of a default would take a toll on these short term funding lines, but the toll ended up being much bigger than expected. If we consider 1-month Treasury bills, for example, the very worst of the 2011 budget battle brought those yields to 0.25%. By comparison, Tuesday night saw them hit 0.50%.
It was by far the biggest spike in short term funding costs we've seen since the onset of the Financial Crisis and it dealt an unexpected blow to the longer term debt market. That means that securities such as the 10yr Treasury and the Mortgage-backed-securities (MBS) that dictate mortgage rates were noticeably affected. Were it not for this short term debt market surprise, longer term rates like mortgages may well have not budged much at all.
Now that the debt deal has been reached, those short term debt markets have thawed quickly, and mortgage rates have been able to correct accordingly. In addition to that, Fed speakers have been unified in suggesting that this fiscal uncertainty and the unknown impact on the economy from the shutdown likely means that any decrease in Fed asset purchases is on hold for the next few meetings (meaning tapering gets pushed into 2014). This only adds to the momentum lower in rates, making the snap back to the best recent levels especially quick.
SONYMA Mortgages Definitions
Funds that can be verified as the borrower's own, the source of which can be: (a) monies from borrower's checking or savings account, or other similar time deposit account, which have been on deposit in the account for at least 2 months prior to loan application, (b) cash up to $1,000, (c) cash deposit towards property purchase, and (d) the market value of the lot owned by borrower, exclusive of any liens, on which the SONYMA financed home was or will be constructed, or the purchase price of the lot if it was purchased in the past 2 years, whichever is less. Other sources may be considered on a case-by-case basis.
Closing Costs
Expenses (over and above the price of the property) incurred by buyers and sellers in transferring ownership of a property. Closing costs normally include, but are not limited to, fees charged by lenders, attorney fees, taxes, insurance premiums (e.g. flood insurance, hazard insurance, PMI), escrow charges, title insurance costs and survey costs. Lenders or realtors can often provide estimates of closing costs to prospective home buyers.
Down payment
The part of the purchase price of a property that the buyer pays in cash and does not finance with a mortgage.
Existing Housing
A property that has been previously occupied as a residence.
First-Time Home Buyer
A person who (i) has not had any ownership interest in his/her primary residence at any time during the three years prior to the date of making an application for a SONYMA mortgage loan; and, (ii) at the time of making the loan application to SONYMA, does not own a vacation or investment home. This definition includes residences owned in the United States and abroad.
Home Buyer Education
A course given by a SONYMA approved organization (usually a PMI company) in which participants learn budgeting techniques relevant to home owners. This is required for all loans with LTVs over 95% or down payments less than 5%. It is also required for all applicants applying for the Achieving The Dream and Remodel New York Programs.
Household Income
The total combined income of all persons who are age 18 or older and who are expected to live in the SONYMA financed property regardless of whether they have signed or will sign the mortgage application.
Housing Expense
The monthly costs associated with a mortgage loan, specifically: Principal, Interest, Taxes, and Insurance (PITI). Monthly costs also include maintenance fees, where applicable (e.g. condominiums, cooperatives, Planned Unit Developments, or Homeowners Associations).
Income Limit
SONYMA finances mortgage loans for persons with low or moderate incomes. The maximum incomes of persons eligible to receive SONYMA financed mortgage loans are subject to the requirements of federal and state law. The maximum income allowable may vary by SONYMA program, region of the state, and household size. Click here for current income limits.
Loan to Value
The relationship between the requested mortgage amount and the appraised value, or, sales price (whichever is lower) of the property. For example, a home valued and priced at $100,000 on which there is an $80,000 mortgage has an LTV of 80 percent.
Lock-In Fee
A fee equal to 1% of the requested loan amount, which is paid to the lender by the borrower within 14 days of loan reservation to hold ("lock") a specific interest rate for a specific period of time. In SONYMA programs the fee is non-refundable unless the mortgage application is denied by the Participating Lender or SONYMA.
Long-Term Lock-In
Type of interest rate lock that may only be used for properties under construction or rehabilitation as of the SONYMA loan application date. The lock-in period is 240 days from the application date.
Mortgage Servicer
The mortgage company that services your SONYMA loan after closing. All mortgage payments and inquiries should be made directly to the mortgage servicer.
Newly Constructed Housing
A property that has not been previously used for residential purposes.
One-Family Home
A building designed for occupancy by one family, which includes a condominium unit, cooperative unit, town home, planned unit development (PUD) unit, or factory-made housing permanently attached to real property.
Origination Fee
A fee that is paid by the borrower to compensate the Participating Lender for assisting the borrower to obtain a SONYMA mortgage loan.
Participating Lender
A lending institution that has been approved by SONYMA to originate, close and sell mortgage loans to SONYMA. Participating Lenders are familiar with SONYMA loan programs and requirements. Click here for a list of participating lenders.
Payment Reserves
Funds required by some lenders to be retained in a borrower's bank account after loan closing in an amount equal to a specific number of monthly mortgage payments.
One point equals 1% of the mortgage loan amount. Fees associated with mortgage loans are often calculated in points.
Pool Insurance
Mortgage insurance paid for by SONYMA that is required for all loans which provides protection in the event of a loss resulting from a borrower default.
Private Mortgage Insurance (PMI)
Mortgage insurance paid for by the borrower that SONYMA requires for all loans where the Loan to Value exceeds 80%. PMI protects the Participating Lender and SONYMA in the event of a loss resulting from borrower default.
Purchase Price Limits
SONYMA provides mortgage loans for moderately priced homes. The maximum sale price of homes eligible for SONYMA financed mortgage loans is subject to the requirements of federal and state law. The maximum sale price allowable may vary by SONYMA program, region of the state, and size of the home. Click here for current purchase price limits.
Seller Concession
An agreement specifically stated in the sales contract between the seller of the property and the buyer of the property in which the seller commits to pay a specific portion of the buyer's closing costs. SONYMA limits the amount of Seller Concessions allowed.
Short-Term Lock-In
Type of interest rate lock that must be used for all Existing Housing and completed new construction or rehabilitation properties. The SONYMA rate lock-in period is 100 days from the application date.
Target Area
An entire census tract or portion thereof which has been designated by the federal government as economically distressed. For borrowers who purchase in these areas, in accordance with federal law, SONYMA waives the First-Time Home Buyer requirement, applies higher income and purchase price limits, and will finance two-family homes that are less than 5 years old.
Total Monthly Expense
Expected monthly expenses of the borrower including, but not limited to, the Housing Expense, car lease payments, credit card payments, and, any installment debt with more than 10 monthly payments remaining (i.e., personal loans, car loans, student loans, 401K or pension loans, etc.).
Underwriting Ratios
The maximum debt burdens allowable to applicants for mortgage loans expressed as two separate ratios – Housing Expense to gross monthly income and Total Monthly Expense to gross monthly income. SONYMA requires that the Housing Expense not exceed 33% of the borrower's gross monthly income, and that the Total Monthly Expense not exceed 38% of the borrower's gross monthly income. These percentages are increased to 40% and 45%, respectively, for applicants having a down payment of 3% or more.
Value of the Property
The lower of the purchase price being paid for the property or the property's market value as established by a qualified property appraiser.
Seven Good Reasons To Re-finance
Why refi? There are at least seven reasons to refinance a mortgage. You probably can think of the first one — to get a lower mortgage rate.
The average interest rate on an outstanding mortgage at the beginning of 2010 was 5.979 percent, according to the Bureau of Economic Analysis. However, lenders today are offering rates well below that benchmark, making a refinance a no-brainer for many.
But low rates are not the only motive for refinancing a home loan nowadays. The following are good reasons to consider a new
The No. 1 reason to refi is to get a lower mortgage rate. Despite sinking rates, a lot of people haven't refinanced.
Many homeowners would like to refinance but can't because they have little or no equity due to falling home values. Jim Sahnger, mortgage consultant for Palm Beach Financial Network in Stuart, Fla., says too many of his clients can't refi for this reason.
"But there are people who can, and some people who get so into whatever they're doing that they don't pay attention to the news and don't pay attention to where rates are at," Sahnger says.
So Sahnger will call to tell them that rates are near record lows.
Stability-hungry borrowers are ditching adjustable-rate mortgages and refinancing into fixed-rate loans.
"Everybody's frightened about inflation, so if they have an adjustable loan, that's the No. 1 reason they're getting out of them," says Jeff Lazerson, president of Mortgage Grader, a lender based in Laguna Niguel, Calif. "It's not because you can get them at a better rate, but because you can get them at a stable rate."
Other borrowers swing from one hybrid ARM to another, says Matt Hackett, underwriting manager for Equity Now, a direct mortgage lender based in New York City.
"We've done a few of those for people who were in a five-year ARM that they originated four years ago, that was getting ready to adjust," Hackett says.
Even though the rates were about to adjust downward, they got new 5/1 ARMs to extend low rates another five years.
This isn't, technically, a refi, but it's close. Mortgage-free homeowners sometimes get mortgages to put cash in their pockets.
"There's a lot of people who don't have a mortgage," Hackett says. "Maybe they want to go to Florida, buy a second home with cash. So they cash out their first home and take the cash and go down there and don't need a financing contingency, and they're in a better position to bargain."
They could also take out a mortgage on a paid-off property to start a business or for other reasons.
When house prices were rising by 10 percent or more a year, millions of borrowers got cash-out refinances. They refinanced for more than they owed, got cash, and spent or invested it.
The cash-out refi craze ended when the housing bust began. But there are still a few cash-out refis.
"We're still in the business of cashing out people — paying off credit cards, for example," says Michael Moskowitz, president of Equity Now.
Michael Becker, mortgage banker at Happy Mortgage in Lutherville, Md., says: "It's not like it was years ago, when people took cash out to buy things, like a pool, a car or an RV. It seems more to be paying down debt, lowering their debt service, trying to save money."
Lately, Lazerson has noticed an interesting refinancing trend.
"One thing that's a trend now is that people are taking money out to purchase other properties," he says.
Often, it's to buy investment properties.
Refinancing to buy property can bring up unexpected tax and mortgage underwriting issues. A lot depends upon how the refinanced house and the new property will be used.
For example, which property will be the primary residence? Will the other property be rented out? Those are issues for a financial adviser or tax professional to untangle.
Some homeowners want to combine their first mortgage with the home equity line of credit.
"I'm seeing a lot of people, even if their rates on their home equity line of credit is 3 percent, refinancing to get rid of them," Becker says.
Why get rid of a loan with such a low rate?
"Because they're worried if five years from now, what if that rate jumps up to 12 (percent), 11 (percent), 13 percent?" Becker says.
Divorces often lead to refis as a means of removing the absent former spouse from the note.
"That has less to do with rates and is more about timing," Lazerson says.
Moskowitz says he recently did a $110,000 cash-out refi from a woman who used the money to bail out a son facing foreclosure on his own house.
That's not how Moskowitz would spend his money from a cash-out refi. But to anyone who agrees with him, he says, "You're clearly not a mother."


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I try to keep politics out of this blog and, for the most part, keep my political opinions to myself. But I can't believe any American, liberal or conservative, should tolerate the financial irresponsibility practiced by the Congress of the United States year after year.
The "Continuing Resolution" is the vehicle to keep from shutting down the government while Congress fails to act. While the government does not shut down, it must perform foolish and expensive actions to continue to operate without proper spending authority.
My experience is in the Defense Department, but I'm sure it is similar in other departments. Here is a simplified example.
Based on Congressional approval, as a government contracting officer, I have signed a contract with ABC Airplane Company to develop, build, and deliver 150 F-XX fighter aircraft. The contract is laid out to run for ten years with payments to be made monthly based on invoices presented to the US Treasury Dept. Congress has approved this program and I am obligated to execute it. Now Congress decides to give me only enough money to operate for a week. When ABC Airplane Company presents invoices to the Treasury for a month's worth of work, the Treasury can only pay for one week.
Here is an even simpler hypothetical: "You are directed to operate your household on a monthly basis and to buy groceries accordingly in the most efficient manner possible." My job is to provide the funds for you to do so. Oh, by the way, I'm only going to give you enough money for one week.
This absurdity happens every year in every government department. Once during my time in the Air Force, it got so bad they moved the fiscal year start from 01 July to 01 Oct to try to recover.
Unfortunately, CRs aren't uncommon. The last time Congress passed all of its annual appropriations bills in time was almost 20 years ago with the FY 1997 budget. CRs can last for as little as a day or as long as an entire fiscal year. Deputy Defense Secretary Bob Work recently lamented, "There is no organization on this earth that would be able to remain in business, operating under these conditions."
Read this article. If you are one who communicates with your elected official, please ask him/her to earn their pay by doing their job. That would be refreshing.

subset: commoncrawl


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In Holland, no Christmas celebration is complete without the inclusion of Zwarte Piet. The character was introduced as a Santa Claus companion in 1850, and he's basically a Moorish slave from Spain that Santa freed from bondage. Piet helps Santa by distributing gifts, and punishing naughty children by sneaking into their houses, beating the shit out of them, and taking them back to Spain.
Dutch people dress up like Piet around Christmastime, blackface and afro wig and all, which seems mind-bogglingly racist until you take a look at some of our football and baseball team names. In modern retellings, he's a Spanish or Italian chimney sweep who's been covered in a permanent layer of soot, which is somewhat better. This is, somehow, real. You can listen to a David Sedaris segment about it here.
Late Show with Stephen Colbert staff writer Daniel Kibblesmith wants to tell a reversed story that promotes an actual positive message that doesn't involve barely veiled racism playing on 1850s fears of home invasions. It all started with a tweet. This tweet, to be exact.
Me & @JenAshleyWright have decided our future child will only know about Black Santa. If they see a white one we'll say "That's his husband"— Daniel "Kibblesmith" (@kibblesmith) December 3, 2016
Like all good ideas, similar to how Ezra Koenig came up with the chorus to Beyoncé's "Hold Up" in an unrelated tweet several years before writing it, this one took some time to gestate.
Then, it resulted in a book deal. Here are the details.
*THREAD*— Daniel "Kibblesmith" (@kibblesmith) March 28, 2017
I can't believe it, but this is officially happening. 'SANTA'S HUSBAND' Coming Holidays 2017 w/@alperryman from @harperdesignbks. pic.twitter.com/WpHe84Kso9
And here's the amazing illustration. Are we ready for this? You're damn right we're ready for this. We were born for this moment.
Here's a higher res of @alperryman's original concept art. Really excited to be working with her and everyone at @harperdesignbks. pic.twitter.com/JTeqAUP8EG— Daniel "Kibblesmith" (@kibblesmith) March 28, 2017
They look so in love!


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Put simply, a thermal store tank is a large, well insulated hot water tank and forms the heart of your home heating and hot water system. A thermal store (or accumulator or buffer tank) stores up heat from a boiler stove or solar panel that can then be used to heat the house and provide domestic hot water whenever it is needed, even if the stove isn't lit or the sun isn't out.
The thermal store also lets you easily link up different heat sources. A classic combination is a woodburning boiler stove (winter heating and hot water), solar panels (summer hot water) and a conventional boiler (to provide a back up). Other sources can also include a ground or air source heat pump, an electrical heating element or a wood pellet stove.
Because you are storing the heat it means that a stove only has to be lit once a day and it can be run efficiently, rather than being kept smouldering all day. The classic cycle is to light the boiler stove in the evening to heat the house and enjoy the fire. All the excess heat is stored in the thermal store. The stove goes out but the heat in the tank is used to warm the house in the morning and provide the domestic hot water. In the afternoon the central heating draws the rest of the heat from the store to warm the house before you return from work and light the stove again.
A good thermal store takes in the source energy efficiently and transfers it back out on demand quickly, maintains good stratification (hottest water at the top, coolest water at the bottom) and, most important of all, minimises heat loss. So the questions that you need to be asking when choosing a thermal store are:
If you are comparing one tank with another then compare the answers to these questions to see if you are really getting value for money.
EnergyStore Thermal Stores
EnergyStore thermal stores are specifically designed for use with biomass boilers such as wood boiler stoves and wood pellet boilers. An EnergyStore makes it easy to combine renewable inputs like a biomass boilers and solar thermal hot water systems with conventional inputs like an oil or gas boiler. As a result you end up with a properly integrated whole house heating and hot water system. The various tappings on the EnergyStore have been positioned so as to give flexibility and choice and to help you get the most from your energy sources.
Visit our EnergyStore Thermal Stores page, or click on the picture for more details
Akvaterm Thermal Stores
Akvaterm tanks are designed to be at the centre of your modern low carbon heating system which would typically incorporate a wood boiler stove and solar thermal panels for the summer. There are a number of different types of Akvaterm thermal store suited to different applications and situations, and they come in a range of sizes from 300l up to 10,000l.
Visit our Akvaterm Thermal Stores page, or click on the picture for more details


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Admissions to the M.A.S. Program
Students apply through the Graduate School of Arts and Sciences at Yale . Each year, the online application is available from mid-August through January 2.
An application packet consists of a personal statement, three letters of recommendation, CV and transcripts from all prior institutions attended. Applicants are also required to submit GRE scores. Students whose native language is not English will have to take the TOEFL examination.
In reviewing applications the committee looks for evidence of excellent academic aptitude and strength in the subjects matter that we offer, e.g., economics, politics, etc.
For more information, please contact our Admissions Office.


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Qualitec Consulting provides guidance in achieving ISO Registration without putting the Registration process above the business needs of the clients organization. ISO Registration is not an end in itself but a means of ensuring that what a client does well is documented and repeatable, a confirmation process for meeting regulatory requirements and as a tool for marketing the clients business.
Qualitec Consulting integrates this philosophy into its services by encouraging your staff to implement a simple, streamlined quality management system that is ISO compliant and that continually improves your company's business performance. With this approach, your company greatly increases its chances for continued employee participation, maintained dynamic in-house leadership, and a positive return on investment during and after ISO implementation.
Since 1998 Qualitec has provided ISO implementation to over 70 clients for both the 1994 and 2000 versions of ISO 9001 and the ISO 14000 standards. Qualitec's Federal government experience includes providing consulting and auditing services for NASA Headquarters and the Federal Aviation Administration. Qualitec's clients also include Fortune 500 firms and many small businesses and service organizations.
Partial Client List
NASA Headquarters
Federal Aviation Administration
Raytheon Logistics Support Depot
Raytheon Service Company (RSC)
- RSC Langley, VA
- RSC Manchester, NH
- RSC El Paso, TX
Raytheon Support Services Company (RSSC)
- RSSC Virginia Beach, VA
- RSSC Irvine, CA
- RSSC Warren, MI
Computer Sciences Raytheon Patrick Air Force Base, FL
OAO Corporation
Arab Contractors
Malco Industries
MM Reif & Company
Carrier Corporation
Metrosonics Inc.
Surgical Design
Endicott Research Group
Dimensions International
Syracuse Plastics
SGL Carbon
Information Builders


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Bobsled, skeleton officials finalize Olympic sled numbers
The lineup of nations competing in Olympic bobsled and skeleton events was finalized by the International Bobsled and Skeleton Federation on Monday, with 30 countries formally qualifying for the Pyeongchang Games in those sports.
Among them: the African nations of Ghana and Nigeria, as well as Russia — which will have some specially approved athletes competing under the Olympic flag since the Russian Olympic Committee has been banned from these games as part of the massive fallout from the state-sponsored doping scandal in Sochi four years ago.
Nigeria has athletes in the Winter Olympics for the first time, qualifying in women's bobsled and women's skeleton. Jamaica is also sending a women's bobsled team to the Olympics for the first time.
Ghana will have men's skeleton racer Akwasi Frimpong in the 30-man Olympic field, meaning if he finishes he's assured of being his country's top finisher in any event at the Winter Games. The nation's only other Winter Olympian was alpine skier Kwame Nkrumah-Acheampong, who was 47th in the slalom in 2010 at Vancouver.
At least 17 athletes are expected to fill Russia's sleds, under the designation of OAR or Olympic Athlete from Russia. The Russians qualified for two sleds in each bobsled event — two-man, four-man and women's — as well as three starting spots in men's skeleton and two from women's skeleton.
None of the Russian athletes sanctioned by the International Olympic Committee for doping are eligible for credentials for Pyeongchang or any future Olympics, and many including women's skeleton bronze medalist Elana Nikitina have had their medals stripped. Nikitina is among about three dozen Russians trying to clear their names through appeals.
"We are the masters of our own destiny," Nikitina wrote in an Instagram post Monday from Switzerland, where she's part of a Russian delegation pleading their case to the Court of Arbitration of Sport — which is expected to rule next week on those appeals.
Host South Korea will have sleds in all five of the bobsled and skeleton disciplines, and 2022 Winter Olympic host China will compete next month in men's skeleton, two-man bobsledding and four-man bobsledding.
Nations could qualify up to three sleds in each of the skeleton and bobsled events. Only Canada and Germany managed to reach the full allocation; the United States has four skeleton athletes instead of the maximum six, and eight bobsleds headed to Korea instead of the maximum nine.
North Korea, which will have some athletes competing in Pyeongchang, will not be taking part in sliding after all.
The International Bobsled and Skeleton Federation proposed and endorsed a plan to have a forerunning four-man bobsled — one that tests conditions before races but isn't part of the competition — composed of two sliders from South Korea and two others from North Korea, and have it coached by Italian and U.S. officials.
But the notion has fallen apart, with the North Koreans — who do not regularly compete in bobsled — sending word to the IBSF that it was unable to find athletes who could fill the two slots.
More AP Winter Olympics: https://wintergames.ap.org


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Course Ratings & Reviews
Average Rating(1-10): 9.17
"Loved the course. I work a great deal with athletes and found this information very useful. Thank you." Pj, Missouri
"Great course! I feel like working with athletes is just around the corner. Thank you!" Dave, Florida
Breaking Into Sports Massage
- 4 Online Continuing Education Hours for Massage Therapists
- Regular Price: $39
- Course #20-393120
Course Description
Throughout my career I have had the good fortune to work with athletes of all levels.
Amateur to Elite / Professional level athletes and performers.
Amateur to Elite / Professional level teams and organizations.
I have had many wonderful experiences and opportunities to learn and grow from my time working with athletes.
I have been asked over and over again what the "secret" is to working with professional teams. I have been asked what's it like in the "locker room". I have been asked if there are limitations for women in Sports Massage.
I decided to put this course together to act as a guide and inspiration to those who wish to get involved with sports massage. You will find in this material techniques that I have found athletes and teams want their therapist to have, guidelines for contacting teams, guidelines for cover letters,resumes and references as well as a synopsis of what led to my success in sports massage. My name is Michael Ames and I am the instructor for this course. You can read more about my experiences in my bio on the "Instructors" page on this website.
* All courses have a 1 year expiration date. That means you have up to 1 year from the date of purchase to complete the courses for continuing education credit. *


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In alphabetical order:
Apokus develops training programs for all pharmacies and conducts development projects of interest to the entire industry.
Contact: Christine Frigaard, CEO, email: email@example.com
Apropos Internett AS delivers E-learning courses and SmartLearn® LMS.
Contact: Widar Stuvland, CEO, email: email@example.com
Attensi's 3D gamified simulations enable you to transform behavior which leads to real-world results.
Contact: Bjarne Johnson, email: email@example.com
Avinor is a wholly-owned state limited company under the Norwegian Ministry of Transport and Communications and is responsible for 45 state-owned airports. Twelve of the airports are operated in cooperation with the Norwegian Armed Forces. In addition to the airports, Avinor operates control towers, control centres and other technical infrastructure for safe air navigation. The air navigation services is organised as subsidiary wholly-owned by Avinor. Avinor's headquarter is in Oslo.
Contact: Eirik Havdahl, Sr. Advisor, HR Strategic, email: eirik.havdahl@avinor. no
Stiftelsen Handelshøyskolen BI Norwegian Business School is a self-founded foundation which only purpose is teaching and research.
Contact: Anne Britt Swanberg, Director, LearningLab, email: firstname.lastname@example.com
Comenius. Talent and Learning Management System. Comenius has clients from both the public and private sectors with global and local customers. Comenius offers software and consultancy services in Human Capital Management, Talent Management and Performance Management.
Contact: Steinar Bell, Country Manager, email: firstname.lastname@example.com
Clarify AS Online digital dictionaries and language resources. The service includes 700 dictionaries from reputable publishers in 30 different languages. Clarify is available through apps on all platforms. The technology has been developed in Norway and the company offers solutions for education, public sector and business.
Contact: Knut Haga, CEO, email: firstname.lastname@example.com
Since 1988, Conax has set the benchmark for content and revenue security in the pay-tv industry. Our unique content security platform, Conax ContegoTM, is a sophisticated, fully scalable solution with features and functions for small, medium, and large operations.
Contact: Anders Torgersen, Training & Development Manager, email: firstname.lastname@example.com
Datakortet The Data Card is certification skills tests that document IT skills within the most common uses of a PC. The certification tests must be taken at one of over 200 authorized test centers around Norway.
Contact: Bernt Nilsen, CEO, email: email@example.com
Direktoratet for forvaltning og IKT (DIFI) - Agency for Public Management and eGovernmentskal Difi strengthens the government's efforts to renew the public sector and make it more efficient and accessible. DIFI will also help ensure that the state is organized and managed in a good way, with the necessary coordination across sectors.
Contact: Ragnhild Aamodt Grønlie, Sr. Advisor HR, email: firstname.lastname@example.com
DNB is Norway's largest financial services group and one of the largest in the Nordic region in terms of market capitalisation. The Group offers a full range of financial services, including loans, savings, advisory services, insurance and pension products for retail and corporate customers.
Contact: Trond Markussen, Sr. Advisor, email: email@example.com.
Trond is also Head of REN's Steering Committee
With Dossier as a strategic HR platform, our customers experience the ability to increase the organization's performance through individual competence development.
Contact: Ronny Reitan, CTO and Co-founder, email: email@example.com
EF provides life-changing education for global citizens. For over 50 years, our mission has been to give confidence and freedom to people of all ages, nationalities and backgrounds. We combine language training with cultural exchange, academic achievement and educational travel to deliver courses and programs that transform dreams into international opportunities.
Contact: Maren Gjelsvik, email: email@example.com
eFaktor EFaktor is Norway's leading provider of the world's most widely used learning platform, Moodle. We are well established in the public, municipal and private sectors in Norway and Denmark, and are constantly increasing our customer portfolio internationally.
Contact: Jonna Vienola, CEO, email: firstname.lastname@example.com
EVRY is Norway's largest IT company with comprehensive deliveries to Norwegian and Nordic business, financial and public sector government, municipalities and healthcare sectors. Over four million people in the Nordic region use daily services provided by EVRY.
Contact: Bente Løvseth, Sr. Consultant, email: email@example.com
Fredskorpset - Peace Corps Norway creates development by bringing people together to learn, share and understand each other. About 600 participants go on exchange each year through partners in Norway and countries in Asia, Africa and Latin America.
Contact: Nahuel Tomas Polesel, Advisor, email: firstname.lastname@example.com
Gavisus is a complete provider of digital learning solutions and offers the right mix of instructional videos, design, digital learning and cloud-based technologies that help businesses improve their performance and build a stronger organization. Gavisus is a strategic partner for CrossKnowledge in the Nordic region.
Contact: Sølve Johannessen, Director, email: firstname.lastname@example.com
Gjensidige har til sammen Gjensidige has a total of 4,500 employees in six countries and is one of the Nordic region's leading non-life insurance companies listed on Oslo Børs. In the Nordic and Baltic countries we offer non-life insurance, and in Norway we also offer bank, pension and savings.
Contact: Svein Borger Thoresen, Advisor, email: firstname.lastname@example.com
Gyldendal Norsk Forlag AS is a cultural and knowledge publishing company that offers readers of literary qualities, experiences and knowledge both on paper and in electronic form. Gyldendal Academic publishes teaching materials and products in professional and teaching literature.
Contact: Ingvil Gaasland, Editor Digital Media, email: firstname.lastname@example.com
Helse Sør-Øst RHF Health South-East RHF is the state healthcare group responsible for specialist health services. Contact: Boas Krøgh Nilsen, Regional e-learning coordinator, email: email@example.com
Hyper is a full-service digital agency with over 70 employees based in Oslo, bringing together advertising, business improvement and product development. Hyper makes web pages, apps, films, second screen tools, games and more.
Contact: Rolf Risnes, Advisor/Partner, email: firstname.lastname@example.com
Høgskolen i Innlandet The University College offers education at Bachelor, Master and PhD level, as well as continuing education and the Norwegian Film School. The education is based on research, while the university provides new knowledge in key areas of society. A practice-oriented research profile provides a basis for a knowledge-based work life and innovation.
Contact: Mette Villand Reichelt, Deparment director, email: firstname.lastname@example.com
Høgskolen i Oslo og Akershus - Oslo and Akershus University College of Applied Sciences (HiOA) is Norway's largest state university college, with a student body of 18032 students and 1 965 employees.
Contact: Marianne Brattland, Director, Email: email@example.com
Høyskolen Kristiania Nettstudier - Kristiania College of High Schools Online has the basic idea of aking education available. We focus the student and strive all the time to make education possible for everyone regardless of life situation. Kristiania Online College is a traditional education institution established in 1914. Contact: Heidi Åberg, Director, email: firstname.lastname@example.com
InfoCaption is a Scandinavian software company that has contributed to knowledge support in organizations since 2002. We have made it easy to create, share and maintain learning, documentation and knowledge support with visual step-by-step guides, digital manuals and innovative simple process cards.
Contact: Morten Spaniland, CEO, email: firstname.lastname@example.com
The Inspera Group is a leading competence environment and natural first choice for public and private organizations. Our products Inspera Assessment, WeVideo, Creaza and ExplorAmaze are used by more than 6 million users. Inspera AS delivers learning technology to universities, colleges, public enterprises, private and corporate customers worldwide.
Contact: Natasa Balic, Leader Inspera LEARN, email: firstname.lastname@example.com
Jotun is Norway's leading manufacturer of paints and powder coatings an. They are among the leaders both in Europe and world wide in a number of their fields.
Contact: Hilde Bettum, Competence Management Director, firstname.lastname@example.com
Junglemap invented NanoLearning in 2007 and today has 1.4 million users in 140 countries around the world. Junglemap offers a portfolio of courses that can be customized to your needs in hours or days.
Contact: Dan Over Skaalerud, CEO, email: email@example.com
Juristenes Utdanningssenter - The Lawyers' Education Center is the lawyers' own organization for postgraduate education and legal competence development. We have a comprehensive course offer adapted to different needs of our participants. We aim to contribute to the best legal practice by offering high quality courses in content and form.
Contact: Runar Hafsteen, Project Manager, email: firstname.lastname@example.com
KAN Finans provides blended learning to financial sector advisors to be authorized according to industry's curricula, and to their managers. Our programs are tailored to the customer's wishes and often contain individual follow-up. The programs are offered at the customer or our LMS.
Contact: Odd Eyvind Hovland, CEO, email: email@example.com
Leadership Weekly Leadership Weekly takes advantage of technology to develop leaders in better ways and our commitment is optimal quality, accessibility and customer customization - at a low cost. Our weekly learning cycle with short virtual modules combined with practice in our own leadership role ensures valuable development with lasting impact. Press HERE for video.
Contact: Mats Kristensen, Partner & Head of Learning and Development, email: firstname.lastname@example.com
Maskinentreprenørenes Forbund (MEF) is a freelance industry and employers organization representing just over 2000 small, medium and large companies. With more than 30 years of course experience and approx. 5,000 participants in the course of the year, the MEF school today is by far the largest player in field-related continuing education in Norway. We offer a wide range of course, school and seminar concepts adapted to business needs.
Contact: Terje Eikevold, Director of Competence, email: email@example.com
Mediafarm Mediafarm has developed engaging multimedia-based learning solutions since 1996 - Visitor Center, e-learning and learning games.
Contact: Frode Søreide, CEO, email: firstname.lastname@example.com
Metier Leading global supplier in project management and project management in Scandinavia. For more than 30 years, we have secured single projects and improved project activities.
Contact: Kristine Lindeman, Content and educational manager, email: email@example.com
Nasjonalt ID-senter - National ID Center is a public body affiliated with the police. We strengthen efforts to clarify the identity of foreigners seeking or staying in Norway.
Contact: Bie Holter, Sr. Advisor, email: email@example.com
NAV - Norwegian Labour and Welfare Administration - administers a third of the national budget through schemes such as unemployment benefit, work assessment allowance, sickness benefit, pensions, child benefit and cash-for-care benefit.
Contact: Jørn Hauge, Sr. Advisor, email: firstname.lastname@example.com
newSchoolcreates innovative digital learning tools by combining expertise in education, psychology, games and mobile media. The LeanLearning Platform makes it easy to easily sew educational programs from analogue and digital sources and add gamification elements. Using kanban boards, students are visualized in real-time.
Contact: Fredrik Harloff, CEO, email: email@example.com
Norgesuniversitetet - Through funding development projects at universities and colleges, Norges Universitet promotes the development and use of technology for learning and flexible education. We also run knowledge development.
Contact: Vigdis Amundsen, email: firstname.lastname@example.com
NTNU - Norwegian University of Science and Technology has the main responsibility for higher education in technology in Norway, and it is the country's premier institution for the education of engineers. The university offers several programmes of professional study and a broad academic curriculum in the natural sciences, social sciences, teacher education, humanities, medicine and health sciences, economics, finance and administration, as well as architecture and the arts.
Contact: Vegard Moen, Project Manager, email: email@example.com
Oslo universitetssykehus - Oslo University Hospital is a local hospital for parts of Oslo's population, emergency hospital for large parts of the Oslo area, regional hospitals for residents in Health South-East and has a number of national tasks. The hospital is the country's largest with over 20,000 employees and has a budget of 22 billion kroner. Oslo University Hospital accounts for a large part of medical research and education of health personnel in Norway.
Contact: Ragnhild Westerby, Department chair, email: email@example.com
PWC offers audit, consulting, accounting, tax and fee services to public and private companies.
Contact: Wenche Woldseth, L&D Senior Manager, email: firstname.lastname@example.com
Regnskap Norge AS is the professional and industry association for authorized accountants in Norway. We conduct extensive quality and information work and are an important consultation body. We are a leading course supplier in accounting and business econ
Contact: Nils Woie, Director courses and competence, email: firstname.lastname@example.com
SAP SuccessFactors is a global supplier of HR System, and ranked by Gartner as the world's best HCM solution. Success Factors integrate applications for social interaction, (JAM), e-learning, performance management, recruitment, successor planning, talent development and HR-Analytics. We support learning, development and performance at customers of all sizes and across more than 60 different industries.
Contact: Arnold Jung, Global VP of Customer Engagement, email: email@example.com
Seagull Maritime AS is the leading provider of competence management solutions and e-learning material for seafarers worldwide and offers a comprehensive library of training and onboard courses for regulatory compliance and improved seafarer knowledge.
Contact: Knut Håkon Mikalsen, Manager e-learning development, email: email@example.com
SINTEF, headquartered in Trondheim, Norway, is the largest independent research organisation in Scandinavia. SINTEF is a broad multidisciplinary research institute with international expertise in technology, science, medicine and social sciences. We carry out research research as a R & D partner for business and management, and are among the four largest research institutes in Europe.
Contact: Magnus Rye Ramberg, Sr. Consultant, learning and email@example.com
Skatteetaten - In the Tax Administration, 6500 employees work to ensure the financing of the welfare society. The Tax Administration is subject to the Ministry of Finance, and is responsible for an updated population register and that taxes and fees are settled and paid in the correct way.
Contact: Mette Steenland, Sr. Advisor, email: firstname.lastname@example.com
SPAMA SPAMA is a company with special expertise in banking and finance.
Contact: Arvid Årre, Department chair, email: firstname.lastname@example.com
SpareBank 1 SR-Bank ASA is Southern and Western Norway's leading financial institution with 47 offices in 34 municipalities. Today we have over 300,000 private individuals and businesses as customers and more than 1150 employees. SpareBank 1 SR-Bank is a regional independent savings bank with local anchorage.
Contact: Monica Lilleland, Sr. HR Advisor, email: firstname.lastname@example.com
Specifique Specifique tailors complete learning processes for your organization. The tools are designed to create discussion, reflection and experience sharing between participants.
Contact: Petter Engelstad, CEO, email: firstname.lastname@example.com
Statens vegvesen - The Norwegian Public Roads Administration works for you to come safely whether you go, ride a bike, drive or travel collectively. Our task is to plan, build and hold similar county and county roads in Norway. We are also responsible for the supervision of vehicles and road users.
Contact: Birte Hatlehol, Sr. Advisor, Email: firstname.lastname@example.com
Statoil is an international energy company with operations in more than 30 countries.
Contact: Merete Løland, Learning Advisor, email: firstname.lastname@example.com
Storyboard is a comprehensive competence partner. Our core competence is strategic competence development with the main focus on e-learning, LMS, competence mapping and counseling.
Contact: Karl Fredrik Agnalt, Managing Director, email: email@example.com
The TASK-alliance consists of Transform AS and K. The Alliance aims to be the market leader in combined learning.
Contact: Lasse Hamre, Strategy Director, email: email@example.com
Unit4 develops software for project and service-oriented businesses with the emphasis on large and medium-sized organizations. In these businesses, the employees' knowledge and skills are the most important value drivers.
Contact: Ellen Mona P. Warholm, Global Head of YOUniversity, email: firstname.lastname@example.com
Utenriksdepartementet (UD) - the Ministry of Foreign Affairs works for Norway's interests internationally. The Ministry is responsible for foreign policy issues, foreign economic issues and development issues. In order for Norway to "speak with one voice," the UD has a coordinating and advisory function vis-à-vis other ministries. The UD also works to promote peace and security, an international legal order, an economically just world order and sustainable development. The UD and foreign service stations provide assistance to Norwegian citizens and companies.
Contact: Christian Hansson, Competence manager, email: firstname.lastname@example.com
Vetu creates unique learning experiences - from frustrating to motivational learning. We rely on the rights of the Goruu learning platform.
Contact: Marte Gallis, CEO, email: firstname.lastname@example.com
Visma Visma makes businesses more efficient, through offerings of software, commerce solutions, retail IT-solutions, and IT-related projects and consulting. We simplify and digitize core business processes within the private and public sector. 500,000 customers in Northern Europe utilize our products and services, and an additional 300,000 use us as a hosting partner. We are 5 500 employees and our net revenue amounted to NOK 7 855 million in 2016.
Contact: Stine Sandbo Snekkenes, Training and Content Coordinator, email: email@example.com
WW Academy develops and delivers strategic learning, leadership development portfolio, coaching, and eLearning to the business units within WW group (13,000 employees in 173 offices located in 70 countries). WW Academy reports to an advisory board where you will find key executives.
Contact: Jørn-Even Hanssen, Head of WW Academy, email: firstname.lastname@example.com
Zoaring fsimplifies messages and complex processes through an effective cartoon film solution. We are experts in bringing forward the essence of the message and presenting it in an easily understandable and engaging way. Showcase watch video here.
Contact: Fredric Lundgaard, Head of Sales and Branding, email: email@example.com


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Making your own cannabis oil is actually very easy to do. There are two types that you can try at home: CBD and oil for edibles. This guide will tell you how to make both and more about what these oils are intended for and how to best use them.
CBD vs. Oil for Edibles
While it might seem like these two oil types are similar, they are actually very different from each other. CBD, which is also known as medical marijuana oil, is used to help treat many diseases and other health problems. It's made in such a way that helps it to have a more calming effect compared to the oil for edibles. CBD is known to help reduce heart disease, PTSD, insomnia, and even seizures. CBD oil also has helped sometimes with healing skin cancers after putting some of it on the affected area.
Oil for edibles is a just another way for you to flavor brownies and other foods with a cannabis taste. It will mainly just let you get very high after consuming a food flavored with it. It can be soaked in many different types of oils and has an easier process for making it compared to CBD oils.
Making Oil for Edibles
To make oil for edibles you first need to decide whether you want to use dried or fresh cannabis. Below is more information about how to choose which one you should use for your edibles.
What Types of Cannabis Leaves Should I Use?
One question that many people have when making cannabis oil is what type of cannabis leaves should be used. Should it be dried? Can I use fresh weed? The answer to this is that they both can be used, but they both have their own ways of flavoring your edibles.
If you decide to use dry weed, you'll want to make sure to vaporize it. However, if you use fresh weed, you'll have to grind it and then prepare it before you can use it. While it involves more work, fresh weed can give you a stronger flavor and it's fresh. Dry weed might be easier to use but it's not as fresh and won't be as strong as if you had used fresh cannabis.
How to Prepare Fresh Cannabis
If you decide to use fresh cannabis in your edibles, you'll need to properly prepare it. You first want to collect the weed you plan to use. After doing so, you'll need to grind it up. Often there are special cannabis grinders that are designed entirely to just properly cut up and grind cannabis leaves. However, if you don't have one of these grinders, a herb grinder also works well.
To find the right amount of fresh cannabis to grind up for your edibles there's a simple equation you can use. You want to use 1 part cannabis to every 2 parts oil. You can use this to help you measure out how much you want to make to help make sure the oil doesn't turn out to be too light or too strong.
After measuring out your desired amount of cannabis leaves, you'll want to put them in a pan and let them simmer in the oil for about 3-4 hours. You want to make sure to occasionally stir the leaves around in the oil to make sure the oil is fully being flavored by the leaves and also so that the leaves don't stick to the pot. When the 3-4 hours have been completed, you can then filter the cannabis leaves out of the oil.
Making Oil for Edibles with Dried Cannabis
The process for making oil for edibles with dried cannabis is similar to fresh weed. However, it's a little simpler. To make this cooking oil you want to first make sure to vaporize the dried weed to help prevent it from being too strong in your food products. A good amount to use is about ½ ounce of cannabis for ½ cup oil.
After vaporizing the dried cannabis leaves, you'll want to put the leaves in a filter. After doing so, you'll want to secure the filter by tying its edges up together to prevent the leaves from floating out of it while it soaks in the oil in a pan. After tying it, you can then put it in the oil so it can soak and infuse it with its flavor. You then just need to turn the stovetop on to a low temperature and let it simmer for about 20 minutes. Once the 20 minutes is over you can remove the filter bag and store the oil away.
Using a Slow Cooker to Make Edible Cannabis Oil
Besides a double broiler and pan, you can use a slow cooker to make edible cannabis oil. This method works similarly to the type mentioned above, except it takes a little longer. You want to use about 1 ounce of cannabis leaves to 2 cups of oil. After measuring it out, you want to let the leaves soak in the oil in the slow cooker for about 3 hours on a low heat setting. Be sure to occasionally stir the leaves around to help prevent them from sticking to the sides or not fully infusing the oil.
Once the 3 hours have passed, you can then turn the slow cooker off. You want to make sure to let this mixture sit and cool down for about 8 hours before you strain it. Once the 8 hours have passed you can then strain the leaves from the oil and then store the oil away. It's a simple method, but is a little more time-consuming compared to the other ways.
Do I Have to Use Oil to Make This? Is There Something Else I Can Use Instead?
You can actually substitute oil with butter if you'd prefer that. You basically just need to make sure that you soak the cannabis leaves in a liquid so the cannabis flavor can absorb into it. So, if you prefer to use butter instead of some type of oil, you can just substitute it with the oil in the recipe above.
What Color Will the Oil Look Like?
Edible cannabis oils will have a greenish brown color. If your oil doesn't have this color than it probably won't have a very strong flavor or work well in your edibles. It will also have a nutty smell. If you detect these things in your edible cannabis oil, it's been properly strained and boiled so you know it will work well.
What Type of Food Can I Use Edible Cannabis Oils In?
You can use edible cannabis oils in almost any type of food. While one of the most popular edibles to use it in is brownies, you can also mix it in cakes, pies, soups, and dressings. Cannabis oils can basically be used in both sweet and savory dishes and give the same THC effect in both. You can find plenty of recipes that include cannabis oils in them to help you know how to make a dish with it.
Making CBD Oil
If you're looking to make CBD oil, here is a recipe you can use. Keep in mind though that CBD oil is a little more intricate so it's important to pay close attention to each step.
To make CBD oil you first want to collect 1 ounce of cannabis. This can be fresh or dried but make sure it's either vaporized or soaked fully before using it depending on the type you plan to use.
You can then take about a gallon of Ethanol alcohol and put that into a large pot. Once you do that you then sprinkle the cannabis into it and then freeze the pot for a few hours.
After freezing it for a few hours, you can then remove it from the freezer and strain the cannabis out of the alcohol. You then want to put the alcohol into a double broiler pan and let it boil for about 1 hour and 30 minutes at 212 degrees Fahrenheit. Once that time is up you can then wait to let it cool off for a little bit and then store it away to use later.
Important Things to Keep in Mind When Making CBD Oil
It's extremely important when making CBD oil (or any type of cannabis oil) that you use as many safety precautions as possible. Because CBD oil can be used with an edible alcohol, it can be very flammable. You need to constantly monitor it and make sure the oil doesn't end up overheating. This could lead to it catching on fire and could possibly end up giving you major burns if it comes into contact with your skin. It's important to be very diligent when making this oil (or any type) to help prevent this from occurring.
You also want to make sure you have a good ventilation system. The smell of the oil can be very strong and can be overpowering if the air circulation isn't good in a room. Keep some windows open or have a fan running while making it.
Also, remember that CBD doesn't have high THC levels in it. If you're looking to get psychoactive effects with your oil you need to use the oil for edibles or another type. This oil is only intended to help give relief to pain and illnesses.
Types of Oils to Soak Cannabis Leaves In
There are quite a few different cooking oils that you can soak cannabis leaves in. One of the most popular types is olive oil. This is a healthy fat compared to other oil types and can help to make your edible food healthier. Olive oil is also great to use on skin, so if you decide to use it with making CBD oils, your skin will be safe with it on it.
Besides olive oil you also can use canola oil, vegetable oil, and coconut oil. Choosing the right one really just depends on your tastes but be sure to look at the health benefits as well. Keep in mind that if you use coconut oil your oil will have a slight coconut taste, so if you don't want that it's best not to use that type.
What Things Can CBD Be Used For?
As mentioned above, CBD can help to relieve pain and heal many illnesses. It's been seen to help quickly reduce sunburn, heal acne, and even moisturize skin. CBD oil can be applied on the skin safely and will be absorbed into your skin to help it heal you. You won't have to worry though about having THC effects (or in other words there's no psychoactive effect) because CBD oils don't contain large doses of it like edible cannabis oils. So, you don't need to worry about having side effects if you use CBD oils.
Some other things that CBD oils can be used for are:
- Calcium Deficiency- if you suffer from this the CBD oil can be used to help improve the calcium levels in your body greatly.
- Pain Relief- it can help with relieving pain without the side effects of THC. Sometimes CBD has even been used to help with tooth pain.
- Anxiety- CBD can help to calm your body down and without the use of THC. The oil will work to help your body and brain work together to calm down. This can lead to you feeling more relaxed.
- Muscle Spasms- if you suffer from muscle spasms, CBD has been proven to help calm them. By just rubbing or spraying this oil on your body where the spasms occur, the oil will help to reduce them.
Often this oil can be put into a spray bottle and squirted onto your skin. This can help make it a little faster and easier for you to apply the CBD oil on your body to help relieve it of pain or soreness.
Is Hemp Oil the Same as Cannabis Oil?
Hemp oil is actually very different from cannabis oil. Hemp oil is made from seeds rather than leaves and flowers like cannabis oils are. It also has a very small dose of THC compared to cannabis oil. It also doesn't have a color like cannabis oil does after being cooked.
Important Things to Remember When Using Cannabis Oils
There are a few things to keep in mind when making and using cannabis oils. Below are some tips that you should remember.
Always Start Slow
If this is your first time using cannabis oils, you want to always start slow. Your body can go into shock if it suddenly starts to receive the effects from the THC in cannabis oils. You want to only use small doses and gradually build up to using more.
Always Withdrawal Slowly
If you'd like to slowly wean yourself off of cannabis oils, don't immediately just stop. Just like with starting with using cannabis oils, you want to slowly withdrawal from it. This can help to prevent your body from going into shock because it isn't receiving the usual amount of cannabis oils it's used to getting.
Be Sure to Eat Something Before Consuming Cannabis Oils
It's always important to make sure that you eat something before you consume anything with cannabis oils. If you eat a food that contains cannabis oil on an empty stomach, it will make you feel very anxious and lightheaded which will make it a very uncomfortable experience for you. This is a very important thing to keep in mind to make sure you consume it properly.
Don't Consume It With Alcohol
If you have just consumed alcohol you want to stay away from using cannabis oils. Alcohol and the oil will create a very bad mix in your body and will only make you feel very sick. You need to wait until the alcohol is out of your system before consuming any cannabis oils.
Know the Effects Edible Cannabis Oils Have
As mentioned throughout this article, it's crucial to keep in mind the side effects of edible cannabis oils. These oils will last about 4 hours with their THC so it's important that you don't overconsume edibles that contain it. Otherwise, the effects will be great and might be too overwhelming for some people to handle. Always check the THC levels in your edibles to make sure they won't shock your body or cause you to have an uncomfortable experience with it.
Can I Sell My Cannabis Oils?
You can, but you need to make sure that you're doing so legally. Many places still outlaw the use of marijuana and cannabis oils so it's important to make sure that if you decide to sell it or use it publicly, that you are doing so legally.
Making your own cannabis oils can be a simple and fun process. While it does require you to pay close attention while making it, the results are worth everything. This guide will help you be well on your way to making some homemade cannabis oils that you can enjoy in edibles or use to help relieve pain.


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AWS services or capabilities described in AWS Documentation may vary by region/location. Click Getting Started with Amazon AWS to see specific differences applicable to the China (Beijing) Region.
Namespace: Amazon.CloudWatch
Assembly: AWSSDK.dll
Version: (assembly version)
public abstract DeleteAlarmsResponse DeleteAlarms( DeleteAlarmsRequest request )
Container for the necessary parameters to execute the DeleteAlarms service method.
|The named resource does not exist.
This example shows how to delete an alarm.
var client = new AmazonCloudWatchClient(); var request = new DeleteAlarmsRequest { AlarmNames = new List<string>() { "t1.microCPUUtilization" } }; client.DeleteAlarms(request);
.NET Framework:
Supported in: 4.5, 4.0, 3.5


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You'll find sweet, sincere people who embody the very meaning of Southern hospitality at Hermitage Funeral Home and Hermitage Memorial Gardens. Together, the funeral home and cemetery are honored to take care of you and your family.
- English
Recent Obituaries
Old Hickory compassion
The funeral and cemetery teams are known for staying in touch with families through every step of the grieving process, even years after a funeral. This is a difficult stage of life for anyone, and we want you to know you're not alone.
Built 5 decades ago, Hermitage Memorial Gardens opened in 1967 to serve the burial needs of Hermitage, Old Hickory, Madison and Mount Juliet communities. The cemetery grounds are close to the historic Hermitage home of President Andrew Jackson.
Later in 1972, Hermitage Funeral Home was built on the property. Working together, these sister locations allow people in Greater Nashville to take care of all their funeral, cremation and burial needs.
A funeral home with southern charm
Located on Shute Lane, our 2-story funeral home was designed to mimic Andrew Jackson's antebellum mansion that's located next door. The 12,000-square-foot space has all the technology and conveniences needed for a 21st-century funeral service.
The chapel seats up to 200 people with 2 screens and a modern sound system. Our reception space is available for family and friends to gather during a visitation or after a memorial service.
We also have an on-site staff professional florist to meet all your floral needs.
Creative and caring professionals
The funeral directors at Hermitage Funeral Home represent more than 100 combined years of providing compassionate funeral and cremation services. We believe a memorial service should be as unique as the person it honors, and we pride ourselves on creating perfectly personalized services that capture the essence of you or your loved one.
We take the time to find inspiration—a favorite song, hobby, trademark style, defining philosophy or lifelong passion—for a memorial service filled with thoughtful and meaningful details. There's no limit to the ways we celebrate life. We are innovative thinkers who will honor a music fan, classic car lover, green thumb, movie buff or any other enthusiast in an uncommon and wonderfully memorable way.
We honor veterans
At Hermitage Funeral Home, we understand the unique needs of America's veterans and their families. As a Level One Founding Community Partner with We Honor Veterans, our staff is knowledgeable in the benefits available to veterans and their families. With respect, integrity and dignity, we will walk you through the steps of creating a veteran's memorial service that truly honors the life and sacrifice of your loved one.
Always here for you
As members of the Dignity Memorial® network, Hermitage Funeral Home and Hermitage Memorial Gardens give you not only the warm, familiar attention you expect from a locally operated funeral home and cemetery but also the value you deserve by way of the largest network of funeral, burial, cremation and cemetery service providers in North America. We invite you to tour the historic cemetery or the beautiful funeral home.
Hermitage Memorial Gardens
Founded in 1967, Hermitage Memorial Gardens cemetery has served as a beautiful final resting place for more than 50 years. Though times have changed since our 1st interment, our commitment to the Greater Nashville community has never wavered.
With sweeping green lawns and a pastoral atmosphere, Hermitage Memorial Gardens is the burial site of a number of notable people, including American sports legends and Grand Ole Opry stage stars. However, we take great care in making the cemetery a place for all people to feel welcomed, regardless of social, cultural or religious background.
Rolling hills, beautiful gardens
Conveniently located about 30 minutes from Nashville, our cemetery still feels like its own world. Our grounds span 43 green acres nestled in the hills of Tennessee and offer a range of burial options.
Whether you choose traditional in-ground interment or above-ground entombment, we'll have a choice that honors your family or religious tradition. All of our community gardens—which have names like Garden of the Cross and Garden of Everlasting Life—have flush monuments for a park-like atmosphere. (Upright monuments are offered only in the private estates.)
The structure of our cemetery
When you enter the cemetery from Shute Lane, among the first things you will see is our Garden of Memories, the Memories Mausoleums and the Commonwealth Estates, which include private estates and hedge estates. Farther back on the property, an older part of the cemetery overlooks the Hermitage mansion from the top of a hill.
Time for reflection
Our idyllic setting encourages thoughtful reflection anytime, but we set aside a couple of days each year to invite people to join us for special events that honor loved ones and acknowledge the season.
On the 2nd Saturday of December, we host a candlelight service that draws about 2,500 people. Luminary bags light up the night, and the effect is both comforting and captivating. On Easter Sunday, we hold a reverent sunrise service in remembrance of those we have lost and the hope that the future holds.
Hermitage Memorial Gardens opened in 1967. The pastoral 43-acre property serves the communities of Hermitage, Old Hickory, Madison and Mount Juliet, and includes famous burials, such as legendary billiards player Minnesota Fats and NASCAR driver Bobby Hamilton.
Hermitage Funeral Home opens in 1972
The 2-story funeral home was built in the style of Andrew Jackson's Hermitage. The funeral home opened on the cemetery property in 1972 and gives Nashville-area families a comfortable space to plan a memorial or funeral service.
In 2008, we remodeled Hermitage Funeral Home by adding a chapel with flexible seating. This allows us to customize a funeral service with an inviting and adaptable physical setting.
Continuing a legacy
Both the funeral home and cemetery became part of the Dignity Memorial® network in 1977. Together, we've built a reputation for fine service that's earned the trust and respect of friends and neighbors in the Nashville metro area.
Famous burials
Hermitage Memorial Gardens serves as the final resting place for a number of American legends. NASCAR driver Bobby Hamilton was entombed in one of our mausoleums in 2007. Allman Brothers bassist Douglas Allen Woody, who died in 2000, is also entombed at our cemetery. Famed billiards player Minnesota Fats was buried here in 1996—his marker shows his given name, Rudolf W. Wanderone Jr. Numerous musicians are memorialized at Hermitage Memorial Gardens, including George Morgan (father of Lorrie Morgan), Ernest Tubb and Justin Tubb (fixtures at the Grand Ole Opry), and Jay Lee Webb (brother of Loretta Lynn).
"This is an outstanding place for my love one to be. I am so happy that we bought our place 26 years ago."
Verified Customer
June 2019
"Warm, caring, from start to finish"
Verified Burial & Memorial Service Customer
May 2019
"Everything was handled perfectly."
Verified Cremation & Memorial Service Customer
March 2019
"I have never had a funeral home to treat us so good they were as nice as they could be. I have nothing bad to say about any one person."
Verified Customer
October 2018
"It was a very comforting experience."
Verified Burial & Memorial Service Customer
August 2018
Upcoming Events
We cherish the community we serve and invite you to join us for our upcoming events.
|19 Sept
Your Life Your Legacy Pre-Planning Seminar
12:00pm - 1:30pm and 6:00pm - 7:30pm
Pre-Planning Seminar- Call 1-800-769-0673 to reserve your seat
Here for you when you need us
Meet our associates


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€2m being distributed to community and voluntary sector organisations to implement innovative projects supporting children, young people and their families
Statement by the Minister for Children and Youth Affairs, Dr Katherine Zappone
The Minister for Children and Youth Affairs Dr Katherine Zappone TD, has today announced the awarding of over €2m to 51 organisations across the country implementing diverse and innovative projects aimed at improving the lives of children, young people and their families in local communities and nationally.
Each of the organisations successfully applied to the Quality and Capacity Building (QCBI) Innovation Funding Measure launched by the Minister on the 4th of April this year. The funding measure attracted a high volume of applications. It should also be noted that the measure is supported by funding from the Dormant Accounts Fund, which is overseen by the Minister of State at the Department of Rural and Community Development, Seán Kyne, T.D. The funding exemplifies the objectives of the Dormant Accounts legislation, which is to assist the development of people who are socially, economically or educationally disadvantaged and help those with a disability.
The measure being administered by Tusla, is providing once-off financial support for two types of projects proposed by organisations until the end of December 2018. SEED projects are receiving a minimum of €10,000 to try out new approaches or programmes in their communities to address unmet needs of children and young people facing disadvantage. SCALE projects are being supported to build on existing programmes, models, or approaches that have shown promising outcomes for children and young people by increasing the scale or spread of the approach in their communities, organisations or areas of work.
Central to each of the successful projects is a commitment to curiosity about what works in improving the lives of children, young people and their families. Each organisation is expected to support the staff working on the successful project to critically examine the work and impact of their project or service. They are being encouraged to ask questions such as 'Is this improving the lives of children? How do we know? Are we doing the right things? Can we improve our service? What can we do differently?
In awarding the funding under the QCBI Innovation Fund, Minister Zappone stated:
"Young people can be trapped in disadvantaged based on their background, location and family circumstance.
We need to ensure people working with these children, young people and their families are given an opportunity to take a step back and look at the work they are doing. I recognise that frontline workers are fundamental in improving children's lives.
We have learnt so much over the past couple of decades about how to improve our services for children and young people. This once off funding will give many organisations an opportunity to implement some of that learning for the first time. For others, it'll give them the space to think differently about the services they are delivering.
I have been heartened by the interest in this funding opportunity and the commitment shown across the country to ensure the services provided by local communities and national organisations can have the greatest impact possible on children's lives."
Tusla as administrators of this fund will be in contact with all applicants to the scheme over the coming days and will liaise with successful applicants to advance the processing of funding. Further details on the application process are available on the DCYA and Tusla websites.
The development and implementation of the QCBI aims to maximise the impact of prevention and early intervention to improve outcomes for children and young people.
The QCBI focuses on enhancing a number of key areas as they relate to the children's and youth sectors:
– Information & Knowledge
– Capacity and
– Quality in prevention and early intervention policy, service and practice.
The initiative seeks to secure a return on the investment and impact in the area of prevention and early intervention in Ireland over the past decade. It will do this through resourcing the above areas so that those working with and for children, young people and their families are supported in doing the right things, in the right way and at the right time.
List of successful projects, SEED Strand
Click on the link to DCYA for the original press release.


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Save 20% on all sports Items
Offer valid when you use coupon code at the basket
Rakuten is one of the world's top 3 e-commerce firms that offers a wide choice of products ranging from clothing and electronics to toys. Except of being a really huge e-retail store itself, Rakuten provides market places for various sellers, shops and brands. The main principle of this e-store is creating a community of buyers and retailers and bringing one-of-a-kind shopping experience. Also Rakuten values its customers and has a special loyalty programme that gives points for every purchase client makes. And points can be exchanged into dollars for future purchases. ILoveBargain Hong Kong gathered plenty of deals and promotions in order to help you save on your shoppings.
Offer valid when you use coupon code at the basket
Use promo code in the shopping bag to enjoy an offer
Use promo code in the shopping bag to enjoy an offer
This offer is applied automatically during checkout. All you need is to make order.
This offer is applied automatically during checkout. All you need is to make order.
To enjoy an offer just visit promotional page and buy item which you like
To enjoy an offer you need to spend over storewide
Offer provides sandals, low, mid, high heels, sneakers, flats, boots, shoes and more
Offer valid for selected items on promotional page only
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When it comes to mega-online merchants like Rakuten, the need for a coupon code isn't a question, but rather a necessity. With Reebok, Aprica, Zootie, and Nike on a show, what more convincing do you need?
We don't mean to sound cocky, but there's no other place that you can find every promo code offered by Rakuten on a single page that ILoveBargain Hong Kong. With the thought of saving you hours of search and enriching your online shopping experience, our Hong Kong team has put together a list of all deals and valid coupons for this huge e-store.
Just select the category of the item you want. From the plenty options you see, click on the image of the product you prefer. On the page with extra details of the item, click on the "Add to Cart" rectangular button, after which you need to select "Checkout" on the slightly transparent pop-up window. On the following page, proceed to checkout, log in as a guest, though we largely suggest you register, pick a payment method, and click on the "Coupon Code" sign below the summary of your order. This simple action induces the appearance of the rectangular code field. Enter the voucher you've obtained from our page in the field and then click on the "Add" button to redeem.


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