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What Causes Cracked Heels?Monday, 06 May 2019 00:00
The condition that is known as cracked heels is characterized by tiny tears in the skin of the heels. Deep cracks are referred to as fissures, and can cause pain and discomfort. Severe cases can cause bleeding, and may be susceptible to infection. Cracked heels can develop for different reasons. These include having dry skin, which can be a result of cold weather. Additionally, patients who have existing medical conditions such as psoriasis or dermatitis may be prone to developing cracked heels. If backless shoes are worn, the fatty pad in the heel may not be adequately supported, and the risk may increase for getting cracked heels. Mild relief may be found if a good moisturizer is used on the heels daily. If your heels are severely cracked, it is advised to seek the counsel of a podiatrist who can guide you toward proper treatment options.
If the skin on your feet starts to crack, you may want to see a podiatrist to find treatment. If you have any concerns, contact Dr. Glen Robison from AZ Foot & Ankle. Our doctor can provide the care you need to keep you pain-free and on your feet.
Cracked Heels
It is important to moisturize your cracked heels in order to prevent pain, bleeding, and infection. The reason cracked heels form is because the skin on the foot is too dry to support the immense pressure placed on them. When the foot expands, the dry skin on the foot begins to split.
Ways to Help Heal Them
- Invest in a good foot cream
- Try Using Petroleum Jelly
- Ease up on Soaps
- Drink Plenty of Water
Ways to Prevent Cracked Heels
- Moisturize After Showering
- Skip a Shower
- Keep Shower Water Lukewarm
- Don't Scrub Your Feet
If you are unsure how to proceed in treating cracked heels, seek guidance from a podiatrist. Your doctor will help you with any questions or information you may need.
If you have any questions, please feel free to contact our offices located in Mesa and Globe, AZ. We offer the newest diagnostic and treatment technologies for all your foot care needs.Read more about Solutions for Cracked Heels


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letto su winetimes.co –
| English | Español | Italiano | Português |
St. Trifon Zarezan, or St. Trifon the Pruner
Saint Trifon was the Bulgarian patron saint of vine growers and winemakers. All was going so well for this guy until (according to legend) he laughed at a vision of the virgin Mary, and was forced to cut off his nose with a pair of pruning shears.
St. Vincent of Saragossa
Official patron saint of winemakers and vinegar makers, which is the same thing I guess depending on who is making the wine!
St. Morand
The not so well-known saint, Morand lived through Lent off a single bunch of grapes.
St. Amand of Maastricht
Saint Amand was obviously a popular fella! He is the patron saint of brewers, innkeepers and bartenders (I don't want to assume, but he sounds like kind of an alcoholic). He is also the patron of vine growers, vintners and merchants, and for some reason also of the Boy Scouts!
St. Urban of Langres
Saint Urban (sounds like a rapper to me) hid from persecution in a vineyard, and while he was there happened to convert everyone working the vines to Christianity. Therefore, Saint Urban is the patron saint of everyone who works in the wine industry.

subset: commoncrawl


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Founded in 1992, THL Security Company Limited, holder of the Security Company Licence (licence number: 0238) issued by the Security Bureau-Security and Guarding Services Industry Authority (SGSIA), has become a wholly owned subsidiary of Parkland Facility Management Limited since 2008.
THL Security Company Limited provides comprehensive security services for properties throughout Hong Kong, covering industrial and commercial buildings, luxury villas and private residential properties, shopping centres, exhibitions and galleries, personal bodyguards, government premises, educational institutions and construction worksites, etc.
We emphasise on the personal qualities, moral standard and working attitude of our security guards. To cater for the needs of our clients and to maintain professionalism, we provide our staff with orientation and regular on-the-job training to ensure their grasp of most up-to-date news affairs and security knowledge.
"Patron-oriented, Passionate, Proactive".
With strong support from the Parkland Group, THL Security Company Limited continues to expand its business and to improve its service in terms of professionalism, service quality and staff training.


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Late home, Spider style
Peter Everitt has long been regarded as one of the true larrikins of AFL footy. Well, despite the one-time St Kilda wild boy having sought a new start at a second club, Hawthorn, the old Spider is still alive and well. In a television interview that goes to air this week, Everitt's partner, Sheree Orchard, lifts the lid on what it is like living with the giant ruckman, explaining how it is not unusual for him to say he is going to the shop to buy a loaf of bread early in the evening but instead go out drinking with his mates and not come home until 10 o'clock next morning. "I ring him (and say) 'Where are you?' (and he says) 'I'm just at the corner shop' at six o'clock at night . . . and then the phone gets turned off," Sheree tells Rebecca Wilson, the host of AFL Lovematch, which premieres on the Fox Footy channel on Wednesday. "He will always bring the bread and milk home, but it is always the next day."
Turning off ...
So what happens then, Spider, asked host Wilson - do you get the silent treatment or what? "Well, that is why I turn the phone off," he explained. "If I didn't turn it off, she would have been halfway up the driveway yelling and screaming and the cabbie wouldn't have known what was going on, so I wait until I get inside, cover up and just have to listen."
Model driver Keiko
Motor racing is a sport where fast cars and glamorous women meet head-on, but rarely like this. Keiko Ihara, a former Japanese model, will next month make her debut in British formula three - the last leap to the grand prix grid for men such as BAR's Jenson Button, Takuma Sato and our very own Mark Webber. "I dream of running on the same track as Michael Schumacher," said 31-year-old Ihara, who will drive for Carlin Motorsport, the team owned by new Jordan formula one team chief Trevor Carlin. Said Ihara: "Motor sport is still very much a man's world. But I don't feel any handicap."
In search of a very proud Magpie
Imagine how big a story it would be should it ever be able to happen today - a policeman who is a footballer is banned from playing by the police commissioner but not only does he continue to do so under an alias but is even part of a premiership team. We refer to one of Collingwood's most colourful footballers, Bill Proudfoot, who played 108 games between 1897 and 1906 in a career highlighted by some remarkable on-field incidents during which his two roles met head on. The Encyclopedia of AFL Footballers also tells us that once he picked up a ground intruder by the scruff of the neck and deposited him over the fence. And in an incident in 1896, he was savagely beaten when he came to the aid of an umpire at North Melbourne who was being attacked by a group of men and women (as illustrated in this Melbourne Punch sketch) as he left the ground. Alas, as the Magpies prepare to honour Proudfoot at a club Hall of Fame function tomorrow night, all efforts to track down a living relative of the great man have failed. If you can help, call Trudi Jensen at the Collingwood Football Club on 8412 0023.
Here we go again
As channels Seven and Ten gang up on Nine in the battle for the footy TV rights, spare a thought for sports reporter Chris Jones. Jones, you see, has just joined Nine after a stint with Seven that began way back in January, 2001 . . . the month Seven announced it was relinquishing its hold on those footy rights.
Hit for six
Losing grand finals can be painful experiences. Which is why you have to feel for the Two Blues team that played in Melbourne's Wednesday night network cricket competition. When the Two Blues lost their grand final last week, it was the sixth consecutive year they have done so.
Who said that?
"She grew up and moved on."
- MARC DEHOUSE, Belgian's tennis coach, praises Kim Clijsters after she won the weekend's Indian Wells tournament, on how she coped after her split with Lleyton Hewitt.
Phone (03) 9601 2255
Fax (03) 9670 0856
Email: email@example.com


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Effective Middle School Orientation Activities
Kids leave the familiar environment of elementary school to tread the waters of middle school 12. This change typically occurs in sixth grade. Middle-school students face academic and social challenges ranging from having six different teachers to maneuvering stubborn locker combinations 1. Parents can ensure their children participate in orientations offered by the school, and they can also initiate activities to help their tweens feel more confident transitioning to middle school 1.
Visit the School
Middle schools are usually larger and more complex than elementary schools, and when kids visit ahead of time, they might feel less intimidated on the first day of school. Elementary students often tour the middle school as a group, but parents can also arrange visits 2. Worrying about places such as the cafeteria and the locker room in the gym might cause prospective middle-school students to lose sleep 1. When they see these spots, it can alleviate many of their concerns. Schools sometimes send out schedules before the start of school, so children and parents can map out a route as they walk room to room. Even attending a concert or a sporting event at the school will make it seem less foreign.
Practice Opening a Combination Lock
Locker combinations are a major source of anxiety for future middle-school students. If possible, look at the actual lockers at the middle school. Parents can buy combination locks so their children can practice opening them before the start of school. Even though the school personnel might issue their own locks with different combinations, the tween will have gained confidence that she can maneuver any lock. A variation would be making a combination lock from heavy paper and a fastener. The child can practice moving the dial to match various combinations
Read the Handbook
Kids who are about to enter middle school have plenty of questions, and many of them will be answered when they read the school's handbook 1. Parents can look through the book with their children and talk about such items as rules of conduct and dress code regulations. Many kids are eager to find out all they can about middle school before they get there, so their interest is piqued and they're open for discussion 1.
Work on Organizational Skills
Some kids struggle with middle-school academics, and organization and time management are often at the root of their problems. Parents can give their children responsibilities at home that require time management. They can also teach their kids how to use organizational tools such as a notebook or a three-ring binder. Children of this age often don't realize how quickly papers from different classes can overwhelm them if they're not filed in the correct spots. Parents should buy a daily agenda planner and show their children how to record objectives and homework. Discussing these skills can lessen a child's anxiety.
Explore Extracurricular Options
Because tweens begin to turn more to friends and peers than parents, it's important for them to feel like part of a group. Being involved in extracurricular activities fills this void. Parents can arrange for their children to visit choir, band or orchestra classes so they can form opinions about which group they might like to be part of. They could rent an instrument during the summer if the child shows an interest. Kids who think they'd enjoy drama class can join a theater group that would give them confidence to try out for school plays.
- Jupiterimages/Photos.com/Getty Images


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Oh does it make me happy to see my customers wearing their Oh, Sweet Joy loot. It's truly one of my favorite things. These beautiful gals certainly know how to rock a headband, do they not? Thanks for sending taking these // sending them in, ladies! If you have a photo of you wearing your Fayette headband, I'd love to show you off! :) Happy customers = Happy Kim.
Caroline wearing the gold Sleigh Ride
Katie wearing the classic red polka dot
Chelsea wearing Winter Song
Nat wearing the Baby, It's Cold Outside" teal velvet. Stunning!
Bekah wearing the "Mr. Grinch" olive velvet option.
Casey Wiegand styled and wore her mustard Fayette in this hair tutorial post.
Allie wearing "sparkle & shine" for a holiday party.
Natalie, looking adorable mixing prints with her "frosty" grey polka dotted Fayette.
Lisa Leonard - spotted on instagram - wearing the wildflowers print & the teal velvet.
Natalie wore her leopard Fayette to top off a stylish ensemble.
I had several requests for a tutorial or two on how to style these headbands. Please enjoy the following low budget film where I share my favorite ways to style the Fayette and where I may or may not forget how to count to 4.
Want to jump the Fayette headband bandwagon?
*all photos are property of these ladies. they do not belong to me, but am honored to show them off! :)


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City of La MiradaHome Menu
City of La Mirada Community Services
(562) 943-7277
The Community Services Department is responsible for the development and maintenance of those services contributing to the fulfillment of La Mirada's recreational, social services and transportation needs. Community Services coordinates efforts between the City, residents and other agencies to expand La Mirada's recreational and social opportunities; plans and administers City park and recreation program; disseminates information to help residents obtain maximum benefit from services available to the community; coordinates social services; conducts programs to enhance the quality of La Mirada's family environment; and assists in strengthening community identity and citizen understanding of local government. The Department provides services at the La Mirada Resource Center, Splash! La Mirada Regional Aquatics Center, Activity Center, Community Gymnasium, Basement Youth Center, Family Services Center, Civic Center Plaza, and the City's extensive park system.
La Mirada Resource Center
La Mirada Activity Center
La Mirada Gymnasium
Splash! La Mirada Regional


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ISTANBUL — Turkey has long been the bridge between Europe and the East, between the Christian and Muslim worlds. This was largely due to its location, the fortune — or, some might say, the misfortune — of geography.
For much of the past century, Turkish leaders have equated the East with backwardness and the West with modernity. While this attitude has allowed Western leaders to sleep comfortably, assured of a cultural, political and physical "bridge" that promotes what they see as moderate values in a geo-strategically important country, it has led Arab countries to regard Turkey with something between wariness and resentment.
But times, it seems, are a changing. Under the rule of the Justice and Development Party (AKP), Turkey has been sending emissaries throughout the region, cultivating close ties with Iran, Syria, Sudan and the Gulf countries, as well as with Russia. Trade with the country's eight nearest neighbors — including Syria, Iran and Iraq — nearly doubled between 2005 and 2008, from $7.3 billion to $14.3 billion.
"In Washington there has long been a debate over whether Turkey was moving away from the West," said Soner Cagaptay, senior fellow and director of the Turkish Research Program at The Washington Institute. "Recently, however, that debate has shifted from 'Is Turkey moving away?' to 'Yes, they are, and what can we do about it.'"
Many interpret this reorientation of Turkish policy as a return to the country's Ottoman history — a policy of "neo-Ottomanism," as some are calling it. In February, Asharq Alawsat, a pan-Arab newspaper based in London, highlighted these changes in a widely circulated column, "The Return of the Ottoman Empire?"
Others argue that such a perspective masks the true force behind Turkey's shift in policy, pointing out that Turkey is asserting itself exclusively in the Muslim Middle East while ignoring the other areas of the Ottoman realm.
"Rather than Ottoman instincts, it is a religious view of the world and financial interests that seem to be shaping the AKP's foreign policy," Cagaptay argued in a recent article published in The Turkey Analyst.
Whatever the nomenclature, the concerns of the West seem to be growing not simply due to strengthening ties between Turkey and the rest of the Muslim world, but in large part due to a perceived lack of political will for the process of accession into the European Union. While the AKP rose to power on a platform that strongly supported EU accession, since membership talks actually began in 2005 the party's energy for the process seems to have faded.
In the five years since negotiations over Turkey's accession to the EU began, Ankara has fulfilled only one of the necessary 35 "chapters," or steps to membership of the 27-member bloc.
It is not all Turkey's fault that the process has been so slow: Strong resistance from member states within the EU has regularly stalled the process and, within Turkey itself, left many feeling like the unpopular neighbor who will never get invited to the party.
In a recent opinion piece in Lebanon's Daily Star newspaper, Dominique Moisi, a visiting professor at Harvard University in Massachusetts, played the blame game, throwing culpability eastward, westward and somewhere in between in an attempt to answer the question "Who lost Turkey?"
"The EU's growing reservations about Turkey's membership have been expressed unambiguously by French President Nicolas Sarkozy," Moisi argued.
He continued: "In the U.S., former President George W. Bush gets some of the blame because of the war in Iraq," adding that Israel shared responsibility for Turkey's alienation as a result of the Lebanon war of 2006 and its recent military operations in Gaza.
That's not to say that Turkey's secular, pro-Western elites don't still consider the EU and the U.S. vital allies — they do. (Many of the same people still consider Islamic fundamentalist Hamas, Hezbollah and Iran as potential threats.) Yet they are also left with the feeling of having been used, picked up by the West at times of strategic importance and diplomatically dumped soon after.
Turks, too, have demonstrated their waning desire to join the EU. According to a 2008 study commissioned by the German Marshall Fund of the United States, titled "Transatlantic Trends," the percentage of Turks who think Turkey's membership in the European Union would be "a good thing" steadily declined between 2004 and 2008 — from 73 percent to 40 percent. European respondents to the study also were more favorable toward Turkey's EU accession in 2004 (36 percent) than they were in 2007 (23 percent).
The danger in "losing Turkey" is that doing so could push the inheritors of the Ottoman Empire back onto an Asian, Muslim and Middle Eastern historical trajectory. At a time when dialogue with the Islamic world is one of the West's key challenges, it seems important to ask the costs of losing such a key translator.
Cagaptay, of the Washington Institute, pointed to a growing realization within the U.S. of the need to nurture the Western elements of the Turkish identity — a point driven home by the recent visits to Turkey by President Barack Obama and Secretary of State Hillary Clinton.
"Turkey is moving away, yes, and it's causing a series of responses. For the U.S. the response is: We need to engage Turkey with a big bear hug and a little Western squeeze," Cagaptay said.
More on Turkey's search for identity:
Healing a populist rift with Turkey
Young Turks: a question of identity


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12 March 2020 – Trips All Round are going on a trip of their own for the next few months and will not be taking bookings or enquiries during that time.
Trips All Round is a bespoke tour and transport operator, located in Woodend in the heart of the Macedon Ranges.
When you visit a new area its always nice to have a safe pair of hands to be able to show you around, share local knowledge and introduce you to some of the hidden gems of the region.
At Trips All Round we're here to do just that. As locals, we're here to show you what the Macedon Ranges has to offer and creating lasting memories of your stay.
Whatever your interests we've got a tour that will suit you – from food and wine experiences, to historical day trips or a craft beer crawl. Saying that, if you have a particular adventure in mind and need some help to make it happen then we'd love to talk to you.
At Trips All Round, we want to make sure that we can cater to everyone's needs, which is why we are fully wheelchair accessible. Our comfortable, air conditioned bus is fitted with a wheelchair lift to make it easy for all our customers to get on board. We are also NDIS registered and can accomodate a full-size motorised wheelchair with plenty of head clearance.
If you need to get to the airport at the end of your stay, we can also help you with that. Trips All Round offers an airport shuttle service from all the major hubs in the Macedon Ranges. We'll pick you up, help you with your bags and make sure you get to your flight with plenty of time to spare.
If you would like to find out more please, visit our website www.tripsallround.com.au or give us a call on 0428 845 448. We'd love to hear from you.
Disabled Access
Opening Hours
Phone for bookings
- Groups ( 11 passengers )
- Disabled Access


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Because of its ability to harden platinum and palladium, ruthenium is used in platinum and palladium alloys to make wear-resistant electrical contacts. In this application, only thin plated films are used to achieve the necessary wear-resistance. Because of its lower cost and similar properties compared to rhodium, the use as plating material for electric contacts is one of the major applications. The thin coatings are either applied by electroplating or sputtering. Ruthenium dioxide and lead and bismuth ruthenates are used in thick-film chip resistors. These two electronic applications account for 50% of the ruthenium consumption
Ruthenium price
7 years
7 years
Supply and demand
Soaring demand for hard disk storage drives caused the ruthenium price to break through the $700/oz mark for the first time ever. That's because ruthenium is a key coating material in the manufacture of hard drives and thanks to a change from "longitudinal magnetic recording" to "perpendicular magnetic recording" the thickness of ruthenium coatings has doubled. Total use of ruthenium will rise to a record peak of 1.34 million oz in 2007 from 1.29 million in 2006, according to Johnson Matthey.
South African platinum miners, particularly those exposed to UG2 reefs where ruthenium is most plentiful, Lonmin (with 75% of operations exposed to UG2), Implats and Angloplats (50%) and Northam (35%), are the main suppliers. (Source: MiningMx)
Roughly 12 tonnes of ruthenium is mined each year with world reserves estimated as 5,000 tonnes. The composition of the mined platinum group metal (PGM) mixtures varies in a wide range depending on the geochemical formation. For example, the PGMs mined in South Africa contain on average 11% ruthenium while the PGMs mined in the former USSR contain only 2% based on research dating from 1992.


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Who makes more money in the long run: an Actuary or a data scientist?
A question about money and that too in Actuary is your favourite! I know.
Well it just appeared while browsing quora and the Answer blew me away!
As per Alex Kelly, A user of Quora,
Though data scientists have higher starting salaries, entry-level positions almost always require a graduate degree. Actuaries on the other hand get most of their training on the job. Because actuaries receive continuous self-education while working, it's not uncommon to see up to $10k raises every year. A data scientist does the majority of their training in graduate school, which is why they have much higher starting pay but with lower annual salary advancement.
An average actuary starts at $60k right out of undergrad. After two years they have a couple more exams under their belt, putting them at $80k. Now this is when the data scientist is prepared to enter the workforce. They've spent 2 years doing their master's, putting them $40-60k underground in graduate loans. They're making a solid $80-$100k, but have to live at essentially the same pay level as the actuary (or lower) for the next few years to pay off the extra debt.
As for long-term, it really depends. Some actuaries have trouble passing even 1 exam every year, in which case it could take 10 years just to get your credentials, and maybe max out around $150k. If you can motivate yourself to pass two exams a year (which I found doable with the amount of study time most companies give), you can move up quickly and be making $200k in 10 years. On the other hand, even a really good data scientist may not make that much at their maximum lifetime salary (max out around $150, possibly $200k managing a large team). Actuary salaries continue to increase linearly with time, even after the data scientist's has leveled off. Experienced actuaries get opportunities to move into high-management positions like VP/chief actuary, and ultimately CFO/CRO and CEO. Data scientists may make it to CIO/CTO positions. Both actuaries and data scientists have the tools to start their own companies as well.
Also Read: Insurology releases app for Blogs & Forums
TL;DR – Unless you're passionate about programming or dislike studying/taking exams, actuary seems like the better option (financially) in the short run. As for long run, it really depends on your capacity to pass actuarial exams and/or your hunger for management.
Actuary salaries – Actuary Salary Survey – actuary jobs – DW Simpson Global Actuarial Recruitment 2012 Salary Survey, actuarial, actuaries, Employment, Salaries, Insurance, Statistics, Mathematics, FCAS, ACAS, ASA, FSA, Student, FCIA, FIA
As per Henry Siegel, whose profile explains, I've been an actuary for over 45 years.
It all depends on the individual. If you are talented, either can make a lot of money.


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T2118 Series
We're here to help
Talk to an expert today.
Our friendly team of highly trained specialists will quickly assist you.
- TWT (Travelling Wave Tube) Design
- Solid State Power Supply
- Broadband Frequency range
- Modular Design Construction
- Highly Rugged construction & High Reliability
- Built in air forced cooling
- Backlit Display Screen
- Self-diagnostic function circuitry
- Standard IEEE-488 interface & RS232 Remote communications
- Internal pre amplification
- Local and remote gain control
- Front or Rear panel RF input/output connectors
- RF safety interlock
- Forward and reflected power indication on the display screen
Instruments for Industry, T2118 Series Millimeter TWT Amplifiers provide outstanding RF performance. IFI "T2118 Series" products are a mature design which incorporate the latest features with respect to control and monitoring. These amplifiers are "State of the Art"; have field proven reliability and unsurpassed performance as the best in the industry. These products are available in a wide range of power levels from 100 watts to 400 watts in the 18.0GHz-21.7GHz frequency range.
Operation safety and ease of use are paramount in IFI product designs. The IFI T2118 Series include a full complement of RF and hardware protection systems including high VSWR, over-current and voltage protection as well as redundant thermal and airflow sensors to prevent the TWT from overheating. In addition, the T2118 series includes a state-of-the-art interface that is sophisticated, comprehensive, but yet simple to use.
IFI amplifiers feature modular construction and this concept of modular design minimizes internally produced EMI signal leakage and provides easy access for field service and rapid turnaround at depot level repair facilities.
The backlit LCD screen shows forward/reverse power indication, system status and self-diagnostic information. All the amplifier operating parameters are simultaneously available in the amplifier front panel display as well as over the remote bus. Selection switches allow you to switch the amplifier to the desired mode of operation for local control if the unit is not being operated remotely.
The T2118 Series amplifiers can be easily customized with harmonic filters or other options. With this capability and its reliable elegant design, the T2118 series amplifiers are the perfect amplifier for your microwave needs.
View Product on IFI Website


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I received this giveaway book last week which as you can see is by Tarla Dalal, a Padma Shree Awardee in the field of cooking. Thanks Aarthi for sponsoring. The pictures in this book are awesome and absolutely drool worthy. Hope I don't stop with drooling over all the pictures and try out all the recipes.
Also my blogger friends Sunanda, Sobha Shyam have shared some awards with me. Thank you so much ladies. An act of appreciation never goes amiss. I would like to share this award with all new budding bloggers.
Also Anamika has chosen to shower me with the following award. I feel so honored dear. Thanks a ton.
Have a happy weekend everyone.


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Table of ContentsRadiology description | Gross description | Microscopic (histologic) description
Cite this page: Pernick N Cyst of degenerative joint disease. PathologyOutlines.com website. https://www.pathologyoutlines.com/topic/bonecystDJD.html. Accessed June 1st, 2020.
Radiology description
- Cystic lesion in subchondral bone, may be expansile
- Associated with severe degenerative joint disease
Gross description
- Mucoid material
Microscopic (histologic) description
- No epithelial lining


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There is a lot of potential here for quick, last minute side trips; we deciced to take advantage of that and the great weather this past weekend. We went with friends to experience the Moselle Wine Festival, which involves several towns along the Moselle River in both Germany and Luxembourg. Though the experience was not precisely what we had expected, we definitely had a great adventure, drank some excellent wine and cremant, and even made some new friends!
Initially, we had been under the impression that the tour was on a boat. We envisioned ourselves on the deck of a fancy yacht or some other type of watercraft, and leisurely exiting at several points along the Moselle to sample wine. We would do this in the late morning and early afternoon and convince ourselves that we were being classy and not just a bunch of drunks. I even included a photo I took of some boats along the river to help build the image of what we expected. Pretty, isn't it? This isn't quite what happened, though.
We had intended on boarding a boat in Wasserbillig, but there were no boats or wine festivities in sight. Still wanting to find out where all this wine partying was taking place, we opted to catch a bus back to Remich, which is a small town of about 3000 on the bank of the Moselle. Though we were unable to find a boat at that location either, there was quite a bit of hustle and bustle around their public market–and it did involve wine. We were all slightly grumpy about our boat fantasies being dashed (due to either poor organization on the part of festival organizers, or to our own ineptitude as Americans used to being hit over the head with information), but we enjoyed wine and cremant and decided to have fun for the day right where we were. The tour was out, but a fun day of drinking wine and checking out the scene in the beatiful riverside city of Remich was in. Here are some shots around the festival in Remich.
The whole day turned out to be quite a happy accident, though, as–at one of the wine booths–we met a couple from the UK who had lived in Luxembourg for more than a decade. They both spoke fluent German and French, knew the area and its wineries as well, and offered to show us around a bit. We had a nice late lunch and toured two wineries: Desom and Caves St. Martin.
The Desom winery was a smaller operation specializing in cremant, but the wine and tour was cheap and informative.
The Caves St. Martin was larger and the tour more extensive. The winery has been around since 1919, and the caves which house the wine were carved out between 1919 and 1921. The tour takes you through the caves and explains wine making process, and has a great selection at the end for your sampling pleasure. During my time living in San Francisco, I had toured several wineries in Napa and Sonoma. None of those tours contained the kind of information on winemaking our guide at the cave provided us. Also, Napa and Sonoma wine (though it can be quite good) is often ridiculously overpriced. The Caves had quite a nice selection of delicious wines and cremants, all at reasonable prices. From The Caves:
We bought a case of the Cremant Brut, and have vowed only to break it out on special occasions. We'll see how long that pledge lasts.


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August 21, 1959 Hawaii offically became the 50th star on the flag. b
Archive for the 'Birthday' Category
Happy 50th HawaiiFriday, August 21, 2009
Movie Mirrors MisandrySunday, August 9, 2009
The movie "Mirrors" with Kiefer Sutherland is not a bad ghost, horror, slasher flick but . . . I almost turned it off in the first 5 minutes because of the rampent misandry and minipulation by the wife. It is abusive. It reminded me of so many stories of PAS that I had read in […]
Beverly Eckert; Continental 3407Friday, February 13, 2009
Buffalo News Picture Beverly Eckert was on Flight Continental 3407 and was 911 widow . She was coming in to celebrate what would have her husbands (Sean Rooney, a Buffalo native) 58th birthday. She also had planned to take part in presentation of a scholarship award at Canisius High School that she established in honor […]


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Dear Families,
Hope Early Learning Centres will be providing children access to a Pre Prep program for children attending school the following year.
Our PrePrep teachers hold Bachelor of Education degrees and come with a wealth of knowledge and experience that will allow them to continue to implement a program both exciting and innovative to Hope ELC.
Our aim for your child is for them to have developed all of the skills necessary to be successful in their first year of school. Within our Pre Prep Program we are aiming to provide children with an educational curriculum that stands out from other preschools/kindergartens around.
We will provide children with an environment that is stimulating, engaging and inviting and promote communication through discussions with children to enhance their ownership and sense of belonging within the learning environment and assist in guiding their interest in an educational direction.
Literacy, Numeracy, Science, Creative Arts and more will be imbedded into many aspects of the program. Technology also is another subject in which children will have access to and with teacher support will give children the opportunity to gain confidence further develop their skill set. Exposing children to these subjects prior to commencing school will give them an introduction into these learning areas and will better equip them for the future.
We understand that the difference between early childhood facilities and expectations vary greatly to those of primary schools and therefore when developing our Pre-Prep Program an emphasis will placed on School Readiness and preparing the children for this transition.
For further information please contact the centre and speak to our centre director or one of our lovely Pre Prep teachers.


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- frank zappa: fz goes to college
(cd-bootleg, guitar master gm - 008)
The Guitar Master bootleg series countdown continues with "FZ Goes To College".
The famous 1973/11/11 concert with Irma Coffee as special guest!!
Don't forget that this is a bootleg album.
For the best available quality concert recordings, and for 'liberated bootleg' recordings, check out the Zappateers site!
Over at Zappateers, concert recordings are traded for free in a P2P network.


text: You fell asleep right before I mentioned what was bothering me. This incomplete thought. These narrow feelings. My anger surges alone, with no one to calm me. There are untold things that I need to say to you. I want your opinion. I want your concern. I just don't want to be alone. I need you around me. I need your comforting voice. I need you to tell me that all the bad will end and all the good will come soon. I need you to tell me that you will listen and try to understand my misunderstood life. I miss you in the dark tonight. My window is open. Can you hear me howl in a somber longing? It's not fair to think of you fast asleep in your bed while I stay awake thinking of you. I hug my knees and hope that you will answer that text or call me any minute. I know you won't.


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The school uniform requirements for Libra are as follows:-
We provide red polo shirts, blue sweatshirts, a fleece and a school bag. Please make sure that all items of clothing, footwear and outdoor wear are clearly labelled with your child's name. No jewellery is to be worn in school, no nail polish and long hair should be worn tied back.
If you have any queries regarding school uniform, please contact the office on: 01598 740044


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Rambagh Palace here is rumoured to be the royal venue for the celebrity wedding of Katy Perry and Russell Brand Oct 23. But hotel sources deny any bookings by the two so far - and even online reservations show empty rooms on that day!
"We are not sure from where this news emerged. We have vacant rooms for the day when everyone says this marriage will take place," said a source in the hotel run by the Taj Group.
"Moreover, we in Rambagh Palace do not host formal wedding parties, though there are a few exceptions," said the source.
Even the online reservation of Rambagh Palace as of now shows vacant rooms from Oct 22 to Oct 26 after which, for a couple of days, the hotel is supposed to be booked for a conference.
"Either the dates are different or the venue is different or the couple is planning to get married alone," the source said.
The international media has been abuzz with reports that American pop sensation Katy and British comedian Brand will wed in a week-long ceremony from Oct 23 at the same luxurious heritage hotel where they got engaged on New Year's Eve - Rambagh Palace. There has also been much talk of their going in for a Hindu wedding ceremony.
Brand is also reported to be planning a double honeymoon for his wife - first travelling to the island group of Mauritius and then jetting off with the "Teenage Dreams" hitmaker to the nearby Maldives. Incidentally, neither destination is far from India.
For nearly two centuries, the Rambagh Palace has been home to generations of royals. Built in 1835 on a modest scale for the queen's favourite handmaiden, Kesar Badaran, it was later refurbished as a royal guesthouse and hunting lodge. In 1925, Rambagh was converted into a palace, and became the residence of the Maharaja of Jaipur.
The palace remained the home of the Jaipur royal family until 1957, when it was first converted into a luxury hotel by Maharaja Sawai Man Singh II. But it wasn't until 1972 that Taj Hotels Resorts and Palaces took over the reins. It is now the 'jewel in the crown' among the authentic palaces of the Taj in India.


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My P90X3 Transformation Vlog Week 4
It was recovery week this week for P90X3… or at least that is what I thought it was going to be. The Yoga and Dynamix are nice for recovery but they were also included in the schedule for the first 3 weeks. Also did a CVX workout which is cardio with weights, my least favourite. The Isometrix and Accelerator are challenging and so is the Pilates X workout. Anything but a recovery week.
Day 22
Isometrix for Day 22 of P90X3 Classic Schedule. Wow! I thought it was a recovery week.That was some tough yoga. It's a lot of moves for 45 seconds each. Switching back and forth from side to side.
I think I used every muscle in my body for that one. Lots of stabilization muscles and a killer core workout. You may need to lay down or sit down for a while after this one because I was lightheaded after finishing. Also did the crow on my head for the burnout. Gonna feel this one tomorrow.
Day 23
P90X3 Day 23. Some dynamix stretching today. Stretching for exercise is just as important as stretching in your life. Sometimes we think we are doing as much as we can but we can still do a little more.
Day 24
Day 24 Accelerator cardio workout. If you haven't done it before it's EASY.. Go do it. If you have… It's TOUGH.
I don't want to see any more planks. Those side to side, forward, backward, clockwise, counter clockwise.. No more please. Great cardio workout and sweating lots.
Day 25
Pilates from P90X3 today. It's the first time seeing it in the classic schedule. Great workout. Lots of core and ab exercises. Not much need for ab ripper X with this workout.
The breathing is a bit challenging. Sometimes it's hard to tell how they are breathing and if I'm doing it right. The most important part is simply pushing PLAY and getting it done. Whether it's the full workout or only part, every little bit counts. Stay consistent and over time you'll be mastering the moves like the people in the videos.
Day 26
Great CVX workout bright and early this morning. Everyone's still sleeping. It's still challenging me. Definitely my least favourite workout of the P90X3 so far just because it's the hardest for me.
Did a little reading first in the "Magic of Thinking Big" and "No Excuses". The one secret to success in anything that Brian Tracy talks about is "Self Discipline". If you have this you'll reach any of your goals. You just have to keep going. It doesn't work going hard for a few months and resting for a month. It's like starting all over again.
Successful people don't want to do the same things as unsuccessful people do.. It's just that they buckle down and do them even though they don't want to.
Just finished reading book 4 and I've listened to 8 for the #52bookchallenge that my coach Scottie is doing. You can read any books. It's amazing how much books can change you when you are learning things you can apply every day to better yourself.
Day 27
Awesome X3 Yoga workout today on Day 27. It was a bit noisy but still great. Yoga and Dynamix back to back will be a great way to transition into next week's new workouts. There are 5 new workouts on next week's schedule.
I was reading this morning about managing your environment and how important it is to reaching your goals. Most people focus on getting their fitness and nutrition down and don't realize that their mind plays a big part on it as well. If you are around negative people all the time and constantly filling your head with bad news then you will start to feel like what you are constantly hearing.
On the other side of the coin. If you are always around positive people that are uplifting you, hearing good things and filling your mind with positive information you'll tend to feel more positive, feel better and are more likely to want to eat healthy and exercise.
Day 28
Took a rest day.
Want your own P90X3 Transformation?
If you would like to join our group and do your own P90X3 Transformation you can follow these steps below and we will help you along the way in our accountability/support group.
Sign up for your FREE beachbody account here: –> FREE ACCOUNT
It should say that your coach will be "Darren Letourneau".
NOTE: If you already have a Beachbody account please contact me before ordering so you can get the bonuses.
P90X3 Bonuses with Challenge Pack
- Free Bonus workout (P90X on one leg)
- Free access to our private online fitness group.
If you want ME to be your personal coach and get access to our private group, make sure to double check the green box when you go to order. It should say "Darren Letourneau is your referring coach". Make sure to also friend me on Facebook so I can add you to our exclusive fitness group.
Order your challenge pack here –> P90X3 Challenge Pack
If you are just interested in the workout you can get it here –> P90X3 Workout Base Kit
Friend me on Facebook –> Darren Letourneau
Check out my previous week P90X3 Transformation Vlog Week 3
Check out my next week P90X3 Transformation Vlog Week 5


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I think I'm still trying to get used to the fact that I'm at home and don't need to pack and get ready to catch a flight to Sydney. To ease back to home life I've instead been spending a great deal of time just tidying up my rooms at home, organising myself and basically trying to simplify my life as best I can.
If travelling has taught me anything is that you really can live life with very little. And my life is just filled with a lot of unnecessary things, made worse by the fact that I am a beauty blogger.
So with the support of friends, I've made the decision to sell off anything I don't need, including clothes, makeup, equipment, basically anything I don't actively use will get sold. And I'll use the money to reinvest into the blog aka continue purchasing the latest makeup collections, try new products, once reviewed the cycle continues, I sell off what I don't need.
I think this new project which I've entitled "Simplify" will really help clear my mind (and my space), help reduce my anxiety and mostly free me from the grasp of having to own so much stuff and instead invest in quality over quantity.
First step was clearing out a bunch of makeup I no longer used, most of which I will not be selling directly on the blog. And as I'm not personally comfortable dealing with selling thing personally (thanks to a heap of bad experiences) I've enlisted the help of friends to help with the process. Hopefully it'll leave me with more time to focus on blogging, working and enjoying life 🙂
Oh and before I go, thought I'd let you know I've uploaded a new makeup video dedicated to Italy 🙂


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We traced a bug in some Ruby code back to it being possible to add
instance variables to the nil object.
# irb
irb(main):001:0> nil.instance_variable_set(:@okidoki, 'the value of
=> "the value of okidoki"
irb(main):002:0> nil.inspect
=> "nil"
irb(main):003:0> nil.instance_variables.each { |v| puts
nil.instance_variable_get(v) }
the value of okidoki
=> ["@okidoki"]
I find the nil object is different from others throughout the ruby
language since it is kind of global: it can be accessed anywhere in the
code, and there is only one instance. So I feel it is not wise to allow
Are there good reasons for this feature of setting/getting instance
variables of nil? Do other object-oriented languages allow this?
Posted via http://www.ruby-forum.com/.


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To make an appointment for visiting our showroom, please
click here.
Opening Hours
|Monday - Friday
|9:00 am - 6:00 pm
|9:00am - 1:00 pm
|Closed on Sunday
Appointments & Enquiries
|Contact Person
|Ms. Tracy Wong
|2971 0922
|2971 0877
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Use of and browsing in the Sites are at your own risk. To the extent permitted by law and without limiting any of the foregoing, everything on the Sites is provided to you on an "as is" basis, without warranty, either express or implied, of any kind, including, but not limited to, the implied warranties of merchantability, fitness for a specific purpose, freedom from computer virus, or non-infringement. Because some jurisdictions do not allow limitations on implied warranties, or limitation of liability for consequential or incidental damages, the above limitations may not apply to you.
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Personal data provided by users who request transmission of information or who register to receive newsletters are used for the sole purpose of providing the service requested. They may also be used for the Company's normal activities including the following::
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No user personal data is acquired by the site. No use is made of cookies for transmission of information of a personal nature nor are so-called permanent cookies or any other kind of user tracing systems used. The use of so-called session cookies (which are not permanently memorized on the user's computer and disappear when the browser is switched off) is strictly limited to transmission of the session identifiers (random numbers generated by servers) needed to provide secure and efficient exploration of the site. The session cookies used in this site avoid recourse to other IT techniques potentially invasive of the privacy of users' navigation and do not allow users' personal identification to be acquired.
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Only you or your personal representative has the right to access your records. A health care provider or health plan may send copies of your records to another provider or health plan only as needed for treatment or payment or with your permission. The Privacy Rule does not require the health care provider or health plan to share information with other providers or plans. HIPAA gives you important rights to access your medical record and to keep your information private.
Here is a list of the participating insurance providers at Sunflower Dermatology. If you have any questions, please contact us.
- Aetna (PPO & HMO)
- Beechstreet
- Health Exchange (Cerner)
- Freedom Network (PHP)
- Golden Rule
- Humana (HMO & PPO)
- Medicare & Railroad Medicare
- Meritain Health
- MultiPlan
- Metrocare
- White Cloud – BCBS
- Coresource
- United Healthcare
- Tricare
- Care Improvement Plus
- Blue Cross Blue Shield: Blue Care, Preferred Care, Preferred Care Blue, BlueSelect, BlueSelect Plus
- Freedom Network and Freedom Select Network
There are a few plans that may have some limitations. Please check with your plan to confirm that Sunflower Dermatology is in-network if you are a member of:
- Assurant Health
- Blue Cross Blue Shield
- Cigna
- Healthlink
Sunflower Dermatology does not currently work with the following carriers, but we are happy to see you at our practice.
- Medicaid (Missouri Care, Home State Health & Children's Mercy Family Health Plan)
- Aetna & Coventry – Medicaid Plans
- Healthcare USA
- Coventry
- Triwest (VA ins)
- Great West
- First Health
- Community Health Plan
- Blue Advantage Plus
- Blue Select; YBS, YBT, YBX, YBD, YBH, YBJ, YBP, YBZ
- Blue Medicare Advantage
- UHC of River Valley
- AmBetter
- Cigna Sure Fit
- Any discount insurance programs


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- Poor food quality and quantity Open
Soyeb filed this complaint against Swiggy on Mar 25, 2019
I ordered Chicken tikka from Swiggy app. It was delivered unsealed. I ordered it for Rs. *** and the portion were so less as it was of **-*** rupees.
Are you brand?
Are you Lawyer?
Resolution Demanded:
Refund / Credit for purchase
Replace / Fix problem
Frustrated? File a Complaint
Airtel Digital Tv
"The issue is resolved and Cheque received from Airtel. Thanks for helping me in this issue highly appreciated!"
Raja Rajangam
Related Complaints
Swiggy - Money never refunded by Swiggy Closed
We ordered grocery from Swiggy online on **.*.**** vide order No. *********** and prepaid Rs **** through credit card. Swiggy cancelled the order due to Delievery problem in our residential area and promised to refund the prepaid amount Rs****....
May 17, 2020 by Anil Sharma
Swiggy - FOOD ITEMS WITHOUT MFG EXPIRY DATE DELIVERED Closed
I have order following items on Swiggy Amul Butter *** gms, Hersheys Spread Cocoa ***gms & Baking powder vide order Order No: *********** dt **.**.**** The items Amul Butter & Hershey Cocoa Spread are not having Mfg. Date/Expiry Date. Am...
May 10, 2020 by M D V V PRASAD CHOWDARY
Swiggy - Rotten food and fraud Closed
Order number *********** Order date *th may **** I ordered * chicken item from green chick sector ** noida. One of them were not available so they asked to choose for replacement. When i did, whole order turned to that one item. I still was o...
May 07, 2020 by Atin Taneja
Swiggy - Food package was cancelled by Swiggy wrongly Closed
I ordered food from Swiggy. I saw in the Swiggy map that delivery agent is * min away so I came outside my address to collect the food leaving my phone behind in the room. I waited down for * minutes when I didn't saw anyone I came back to room...
Apr 12, 2020 by Shubham Chaudhary
Swiggy - Refund not done Closed
It's about my order on **th and **th march,****..both order got cancelled from swiggy side ..and refund was initiated according to message sent to me. Now till this day I have enquired thrice with the customer care services on various date.. in...
Apr 10, 2020 by Amit Jha


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Rowan is launching three brand new DK yarns this Autumn/Winter season, and I'd love to give you a quick preview of two of them: Pure Wool Superwash DK and Super Fine Merino DK. These two new yarns are showcased beautifully in Martin Storey's collection, Easy DK Knits.
A little bit of info about these two yarns: Super Fine Merino DK has a natural elastic quality for movement when wearing. The knitted fabric is soft and smooth and feels great to wear. Super Fine Merino will also be available in 4-ply and Aran.
Pure Wool Super Wash DK is hard wearing, making this yarn idea for the whole family and perfect for household knits. It's superwash, too!
This book is quite possibly my favorite this season and has so many perfectly wearable sweaters in it. My absolute favorite is this simple pullover, Greenwich, which I plan on making (right away) in Super Fine Merino in a bright chartreuse shade called 'Zing.' Check out more photos below of my favorite designs from Easy DK Knits.
Greenwich – Super Fine Merino
Barbican – Pure Wool Superwash DK
Mayfair – Super Fine Merino DK
Brixton – Pure Wool Superwash DK
Dulwich – Super Fine Merino DK
Hampstead – Super Fine Merino DK
Kew – Pure Wool Superwash DK
Keep an eye out for this gem this fall at your local Rowan stockists ... it's sure to be a classic go-to collection that you'll turn to again and again.


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Wanstead statement on gender diversity
In 2016 Wanstead Local Meeting composed a statement on gender diversity which went to North Thames Area Meeting and, from there, on to Meeting for Sufferings for sharing with all British Local Meetings. The Friends involved in this initiative held a very moving session in a packed room with over 75 Friends at the 2017 Yearly Meeting Gathering, with both programmed and spontaneous personal testimonies.
You can read the statement here.


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Welcome to Waterkloof Primary School.
Founded on knowledge; Growing through experience
New admissions 2020
Waterkloof Primary School admissions for 2020 will be completed in accordance with the Gauteng Department of Education specifications. Please ensure that you are aware of these stipulations as explained here
Waterkloof Primary School is situated in Pretoria, the capital city of South Africa.
The school is for children from Grades 1 to 7 and boasts 850 pupils.
Our staff are well qualified and have a creative and progressive approach to their vocation. Their passion for quality education ensures academic, cultural and sporting success amongst our children.
The school supports numerous charities to instil in our pupils a sense of community responsibility. The parent community is represented by two energetic and innovative bodies, namely the School Governing Body and the Parent Teachers Association.
The pupils express their views through an extremely active and dedicated Representative Council of Learners.
The school has proud traditions from the past and hope and faith in a bright future.
Admissions 2020
Please note the application process to be followed for all new Learners that wish to be enroled at Waterkloof Primary School during the 2020 academic year.
Background Story
The background image on our website is much more than just a picture. It's a celebration.


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28mm Scale Normandy Farmhouse Ruin building ideal for Bolt Action and other WWII games or any system that could use a 19th C. or later house. The ruin measures 193mm x 104mm x 160mm high. This highly detailed model is a companion piece to our Normandy Farmhouse and can be used to swap out the model for the ruin if it gets destroyed during gaming. This model is precision laser cut for accurate assembly. Details include realistic window frames and sills, rafters, wooden doors with frames along with a removable roof and removable upper floor for maximum playability. The house has laser engraved detail such as exposed brickwork and bullet damage. The model also come with a debris pack of brickwork and rafters that can be added in and around the model to add even more detail. This kit is a companion to our Normandy Farmhouse and can be used to swap out one for the other.
This comes in a kit form and requires assembly and so you will need a knife or scalpel to release some parts. You will need to PVA glue the interlocking parts together and paint.
Thanks to Burkhard S for the amazing paint job!!


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Shocker: Data Brokers Invoke Fifth Amendment
Jeffery Silva writes on RCR Wireless News:
Eleven data-broker executives invoked their Fifth Amendment right against self-incrimination, refusing to answer questions of the House Commerce oversight and investigations subcommittee about deceptive practices for acquiring and selling mobile phone records and other customer information to banks, major corporations, law enforcement, news outlets and others.More here.
The revelation earlier this year that Internet data brokers were using fraudulent means to help secure customer cell phone records ignited a flurry of lawsuits and investigations by federal and state officials.
Despite refusal of data brokers to testify, the House Commerce Committee Chairman Joe Barton (R-Texas) vowed to continue the investigation and said he would meet with House Majority Leader John Boehner (R-Ohio) this afternoon to ask why a committee-passed bill outlawing fraudulent access to phone records—a practice called pre-texting—was suddenly pulled from a scheduled House vote on May 2.
In a May 11 letter to House Speaker Dennis Hastert (R-Ill.), ranking House telecom and Internet subcommittee member Edward Markey (D-Mass.) referred to speculation the House Intelligence Committee blocked full House consideration of the phone-records bill because some lawmakers want an exemption from the legislation's privacy protection provisions for intelligence gathering activities.


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Video Busts Repossession Industry Compliance Myths
MBSi Capital Busts Repossession Industry Compliance Myths in New Video.
Avenel, NJ, January 25, 2014 --(
)-- A new video from MBSi Capital Corp., in collaboration with CRIResource.com, puts to rest some grave misconceptions about how the Consumer Financial Protection Bureau (CFPB) is engaging the repossession industry.
The video shares details of a meeting that took place late last year between Greg Ward, from MBSi's Compliance Made Easy product, and seven representatives from the CFPB, at the agency's headquarters in Washington, D.C. Like many in the industry, Greg went into the meeting expecting to hear from the CFPB how intensely it plans to investigate the repossession industry, But what he heard surprised him, and will likely surprise everyone else in the repossession industry as well.
"It quickly became clear that most of what I had learned about governance from the CFPB, at the very least, is an overreaction to the regulatory climate the financial institutions are facing or, at the very most, a purposely contrived scare tactic to support million-dollar revenue models," Ward said. "Much of what I had read and heard about the CFPB's so-called regulation of the repossession agency are either made up or exaggerated. In fact, they barely even know who we are."
Also included in the video is a set of guidelines that repossession agents can use to make sure that, if and when the CFPB or another regulatory agency comes knocking on their door, they will be ready. Those guidelines offer simple, down-to-earth instructions that repossession agencies can implement quickly and easily and still ensure they will be ready for anything that a client or regulator will inquire about.
To view the video, please go to: http://www.youtube.com/watch?v=ASmBHKXFQoQ.
About MBSi Capital Corp.
MBSi Capital Corp. was formed in 2003 to provide the repossession service industry with cost effective, easy-to-use repossession software solutions that maximize the return on technology investments. For more information on MBSi Capital, please visit mbsicapital.com.
About CRIResource.com
CRIResource.com is the primary information source for repossession agents, financial institutions engaged in auto lending, and third-party service providers to the recovery sector. The site publishes original news articles and maintains a robust directory of recovery agents, financial institutions, and service providers in order to increase market transparency and spotlight good business practices. The goal of CRIR is to increase industry accountability by acting as a centralized resource of independent, unbiased information. More information is available at www.CRIResource.com.
Mike Gibb
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text:
TRENTON — New Jersey and the Dominican Republic are required to work together to enforce child support orders, under an agreement announced today by top law enforcement and Human Services officials.
The agreement would have an immediate impact on the 536 cases that involve one parent living in the central American country, according to a statement from the Department of Human Services.
"This partnership is historic and signifies important progress for our Child Support system," said Human Services Commissioner Jennifer Velez, whose department oversees collections and payments. "Child support is an essential anti-poverty component. Custodial parents who receive timely, consistent payments are more self-sufficient and less likely to require state or federal social service benefits."
New Jersey has international agreements with 21 countries to enforce child support orders, according to the department. Without inter-country agreements, going after parents behind on paying their child support is cumbersome," said New Jersey Attorney General Chiesa, who attended an event announcing the agreement at the Justice Complex in Trenton..
Last year, New Jersey's child support program distributed over $1.2 billion to children through their custodial parents.


text:
We are located on Route 6 in Galeton, Pennsylvania.
Coming East, From Coudersport:
Follow Rt 6 E and enter Galeton. We are located on the left after you pass Dollar General and the Mountain View Apartments.
Coming West, from Wellsboro:
Follow Rt 6 W, enter Galeton and continue all the way through town. We are located on the right immediately before the Mountain View Apartments and Dollar General.


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Worst. Contract. Ever.
Baseball Prospectus had an article up the other day titled "Free-Agency Mistakes" ($). The article is a run-down of what they consider to be the worst signings of the offseason. The list breaks down into 1, 2, 3, and overall worst contracts. While the Cubs didn't "win" any of these "awards," Jimbo Hendry finds his work in two of the categories and is the only GM to make the list of 7 contracts twice. In the spirit of Todd Hundley, here's the details:
Worst 2 Year Contract:
And the award goes to...the Reds signing of Willy Taveras to a $6.25M deal. Hendry's signing of Aaron Miles to a 2 yr. $4.9M deal comes in 2nd. BP thinks this deal is an overreaction by Hendry to last year's right-handed dominated roster. BP says that Miles is little more than a replacement level player and that the Cubs would have been better off keeping Ronny Cedeno who was much cheaper and who has a much better glove and is still young enough to hold on to some upside. I'm no Ronny C fan, but I'm inclined to agree.
Worst 3 Year Contract:
Not what we want to see here, but BP ranks the Cubs signing of Milton Bradley to a 3 yr. $30M deal as the worst 3 yr. deal, behind only the three-er (new word alert) given to Raul Ibanez by the Phillies (also for $30M). Bit ironic that the Cubs were going to sign one of these two guys, got their second choice, and, as a result, get ranked the 2nd and not 1st worst deal. BP does note that Bradely's deal could turn into a 2 yr. if the Cubs exercise a $2M buyout. But their major beef with the deal is that it adds just as much risk and uncertainty, given Bradley's injury history (not to mention his meltdowns), as it does cost. BP again sees this as an overreaction to all the righties on the '08 roster and says that if all the Cubs wanted to do was get a lefty, it would have been much more cost effective to sign Bobby Abreu at 1 yr. for $5M like the Angels were able to do. Maybe so, but the market was what the market was-the Cubs needed to add a bat like Bradley. We'll see if his performance is able to justify the cost of signing the cheaper and less productive Abreu.
If you're interested-the worst 1 year contracts were Trevor Hoffman's $6M deal with the Brewers and Jason Varitek's $5M BoSox signing. Worst contract of the winter?: AJ Burnett. 5 years, $82.5M for an "occasionally healthy and occasionally valuable" player.
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Hot Corner? Who Will Be the Cubs Backup Third Baseman?
The most watched position battle throughout spring training in Mesa will be the Cubs closer situation, which will come down to favorite Carlos Marmol or newly acquired Kevin Gregg. Marmol seems to be the lock for the first crack at the job while Gregg seems to have been brought in as a veteran closer that can step in and pick up the slack should Marmol face a rough patch or go down to injury.
The rest of the roster is pretty much locked. You've got a "battle" in CF for AB's between Kosuke Fukudome, Reed Johnson, and likely Joey Gathright (a topic for another day is how this guy is locked in on the roster when he's basically Felix Pie only older, more expensive, and with far less potential). And you've got a bit of mystery at 2B surrounding the AB breakdown between Lil Mikey Fontenot and new guy Aaron Miles.
The bench, too, is just about locked in. The Cubs will carry 12 pitchers again in '09, so that leaves just 5 bench spots. Micah Hoffpauir seems locked to get his shot. Whomever the 2 of Fukudome/Johnson and Fontenot/Miles aren't playing will get 2 more. The backup C, likely Koyie Hill or Paul Bako, has a spot. So that leaves just one open position on the 25 man. Rather than holding another IFer, of which the Cubs really have no legit option (all 5 on the 40 man will make the opening day roster), early word is the Cubs are holding the end of the pine for Joey Gathright. Why I'm not sure. Really, is it great bench management to carry, essentially, 3 CFs? But it appears the Cubs are currently without another option.
So what this leaves is what I'm finding to be the most interesting, and most concerning, hole on the Cubs roster: a backup 3B. With all-everything super-sub Mark DeRosa gone to the Injuns, the Cubs have no legitimate backup at the hot corner.(Quick sidebar on DeRosa-dude played SIX!!!! positions last year. Take out P and C, and the only spot DeRo didn't take the field was CF. All this and being the heart, soul, and MVP of the team the last 2 years. Just amazing. No way he will not be missed this year).
Aramis Ramirez isn't getting any younger, he'll be 31 in '09. The guy's going to need a blow this year. The current plan has Mike Fontenot taking 3B to spell ARam while Miles holds down 2B. But, here's how confident the club is with this arrangement: Jake Fox is taking grounders at 3B. THAT Jake Fox. The Catcher. The Jake Fox who has 4 games played at 3B in his 521 pro games. He's plan "B" at 3B. And should ARam go down to injury? He's the backup 3B. How's that grab ya?
As a result, word is the Cubs are considering adding another IFer during the spring that could provide a more reliable and less scary-as-eff option at third. With camps now well underway, the free agent pool is really more of a scrap heap, save for Manny "I hit 400 ft. bombs using only my wrists in the playoffs against the Cubs" Ramirez. Add in that the Cubs really don't have much cake left to spend and the options are going to be slim. I'll assume, however, that the Cubs can find a way to squeeze another $1M 1 year deal or so out of the budget. Let's take a look-see at what I consider to be the best of a rag tag bunch, in order of who I'd like to see the Cubs obtain:
Joe Crede: The Bad-Because there's only bad. Dude wants $7M. No way he'll get it, but no way he'll sign for $1M either. He's not a great player, but he's better than the rest of these jamokes.
Mark Grudzielanek: The Good-Gruds can still play. In 360 ABs last year with KC he put up a .299 BA and a 11.6 VORP. He's a former Cub and a guy who could be a poor man's DeRo in the locker room. The Bad-He's not really a 3B, having played only 31 games there across his 1765 MLB game career. He'll be 39 this year. Also, Gruds pulled down $4.5M in '08 and would have to take a significant paycut for the Cubs to afford him. That said, after getting his ass kicked in KC the last few years, maybe the chance to win something would let him take a small deal.
Nomar Garciaparra: The Good-He's able to play a decent 3B. He's got some game left, PECOTA seeing an 8.2 VORP out of him in '09. Although briefly, Nomah's a former Cub. The Bad-Guy gets hurt more than Mark Prior (OK, nobody gets hurt more than Prior, but he's a close 2nd). Battling injuries, again, in '08, Nomar only logged 181 ABs. He made $8.5M last year-no way he takes such a huge paycut just to be a backup 3B.
A Bonus Coulda, Woulda, Shoulda...
Eric Hinske: The Good-resurrected his career last year in Tampa, putting up a 14.1 VORP in 432 PAs with 20 HRs. Only 31. Plays a decent 3B and can play all 4 corners. Lefty. Cheap. The Bad-he just signed with Pittsburgh at the end of January on a 1 yr. $1.5M deal. Granted, he'll get many more ABs in PIT, but the Cubs may have missed the boat on this one. I would feel a lot better about our glaring 3B sinkhole if Hinske were in Cubbie pinstripes right now.
Yeah, so that's about it as far as the remaining free agents go. Not really a truly decent option in the bunch. I'd be up for giving Gruds a chance, but he wouldn't be any better than a full time Mikey Fontenot at 3B, Miles at 2B combo.
Let's look at who might be a cheap option available in trade.
Andy Marte: The Good-Just DFAd by the Tribe today, the Indians have 10 days to trade or release Marte. Marte was once the #1 prospect in baseball. Still only 25, I see no reason why the Cubs shouldn't at least attempt to swing a deal on the cheap with CLE and get Marte into the system. He's exactly the kind of low cost/high upside player this organization rarely goes for (save Ryan Dempster). The Bad-Marte is out of options. I'm not sure how, or if, changing teams or getting traded would effect that. Still-even if he is out of options, the Cubs could give him a crack. I'd rather see him than a third CFer in Gathright. The Bad-despite the flickering pedigree, Marte has yet to put together anything resembling a good pro season. He's still young, is far from reliable, and doesn't really fix the problem.
Ronnie Belliard: The Good-he's cheap, signed for '09 at $1.9M and that's it. He's looking like he may be the opening day 2B for WAS, but when things go south for them, and oh will they go south, he'll likely be moved to make way for some younger players. BP's tossing him a decent 12.5 VORP. The Bad-Dude's a fat ass. Lazy. Fat. Not a good combo for a pro ath-uh-leet.
So there you have it. After a day's worth of "the Cubs will be adding an IFer" articles from the usual mouthpieces, there's what we're looking at. I'm sure some things will shake out during camps that may loosen up a potential 3Ber, but for now, it's slim pickins. If something new comes up, you can be sure TD will be here to blather on about it. So get excited for that!
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11th Annual Toast to Harry
Today is the 11th Annual Toast to Harry Caray. At 7pm (CST) a toast will be made in his honor at all Harry Caray restaurants and other local establishments in your area . I heard this morning that the HC in Chicago has 101 gallons of beer in a glass that will be used. I dont know about you but doesnt sound like enough. They will also be selling $1.01 glasses of Bud in honor of HC and the Cubs last world series wint.
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The 'Pen, Part III
The Cubs have 39 guys on their 40 man roster, so the NRI's (non roster invitees) have at least a small chance of being added and making the squad. And the way I see it, some of these guys would actually be better in the 'pen than some ofn the 40 man roster. So, that's how I wrote it up; I ignored the extra burden of being added to the 40 man roster, and instead focused on their chances of being in the 'pen in determining the odds.
Jason Waddell-This is a bit of a noodle-scratcher. If you had a 3.67, 1.84, 3.38 season ERA over the past three years, respectively, and you played for an organization (the Giants) that finished 3rd, 5th, 4th in the past three years, you'd think you'd get a sniff at the Bigs. But that wasn't the case for Waddell. All I can say is that he must be a guy whose stats don't show what the scouts see. Waddell struck out 70 in 64 innings pitched last year, holding opposing hitters to a .209 BAA. He was solid in winter ball as well, going 1-1 with a 3.60 ERA in 10 relief appearances. If the Cubs need another leftie, I wouldn't be surprised to see this 27 year old get the call. Odds: 30 to 1
Esmailin Caridad-Caridad started the '08 campaign in Daytona. He was 6-4 with an ERA near 4 and a half. But after his promotion to Tennessee, he took off. He started 14 games for the Smokies with a 7-3 record and a 3.16 ERA. He was one of the Cubs representatives in the Arizona Fall League, where he pitched exclusively out of the 'pen. He amassed a 3.94 ERA and struck out 17 in 16 innings. He was one of the Cubs better pitchers in '08, but being righthanded, he would need a slew of injuries to see the ivy (other than the Iowa game at Wrigley). Odds: 40 to 1
Rocky Roquet-Roquet had a solid '08 campaign, until the Arizona Fall League. He started the year in Daytona. After 7 appearances with a 1.74 ERA, he was promoted to Tennessee. He made 39 relief appearances there with a 3.70 ERA and averaged more than a K per inning. But when he went to the AFL, he gaves up 9 earned runs in 13 and 2/3. He actually allowed another 9 unearned runs cross the plate, but the AFL is also a hitter's league. If he was lefthanded, he would be closer to the Bigs. Odds: 45 to 1
Mike Stanton-Stanton appeared in 69 games, with an ERA near 6. On top of that, those were 2007 numbers. See, on the close of Spring Training last year, the Reds cut Stanton. So, the lefthander sat out last year. Maybe the opportunity to stick to the Reds will make him determined, but a 41 year old who didn't pitch last year and was pretty bad the year before isn't likely to be in Lou's plan. But he is lefthanded. Odds: 50 to 1
Matt Smith-Smith is only 29 years old, but seems to have already established himself as a journeyman. The Cubs will be his third organization in the last 4 years. He was lights out in '06, throwing 20 and 2/3 while allowing only 2 earnies. But in '07, the leftie reversed course, giving up 5 runs in 4 innings of work. He didn't crack the roster in '08. Even if he gets back to '06 form, he hasn't shown any ability to stay healthy. He was limited to 21 innings in '07 between AAA and the Bigs, followed by 15 and 2/3 last year, all in rookie or A ball. Of all the non-farm system guys, he is probably the most worth the risk. Odds: 50 to 1
Bill White-The 4th Bill White in baseball history would rather me show his AAA numbers from '08 than his MLB numbers. In 50 games, he had 3.54 ERA and only allowed 4 HR's, while striking out over a batter per inning. But the September callup for the Rangers gave up 9 earned runs in just 4 innings of work, walking 11 and K'ing only 1. He is lefthanded, but with 4 guys ahead of him (based on stats and experience), the 30 year old isn't likely going to be wearing the blue pinstripes. Odds: 60 to 1
Andrew Cashner-The 6-6 righthander was the Cubs first round pick last June. Given that he had pitched exclusively out of the 'pen at TCU, most fans thought that was his future, and some even thought he would be called up last September. But JH said they were going to stretch him out as a starter and 6 of his 8 professional appearances have been starts. 23 walks in 20 innings among his three stops say he has some control issues to work out. If his future is in the rotation, the Cubs will take it slow. His invite was simply to showcase one of the Cubs better prospects. Odds: 60 to 1
Chad Fox-Fox is back for Round II. An NRI in '07, Fox made three appearances in May last year before hurting his elbow once again. Fox is 38 years old and righthanded. Maybe he pitched well enough last year to warrant a callup, but he's now pitched in 3 games in the last 3 years. This has to be Fox's swan song and it may be heard only in Iowa. Odds: 75 to 1
Ed Campusano-Campusano split time between Daytona and Tennessee last year. The 26 year old lefthander thew in 43 games with a combined ERA of 4.98. 34 walks in those 43 appearances didn't help. If he wasn't lefthanded, he probably wouldn't have a big league camp invite. Campusano is a longshot, period. Odds: 100 to 1
Ken Kadokura-I don't understand this. Kadokura is essentially being brought in to help Fukudome feel more comfortable. For what, a month? So Fukudome can feel comfortable until he gets in games that count? Kadokura is a 35 year old righthander with no MLB experience. He pitched in 11 games for the Komiuri Giants last year with a respectable 3.55 ERA and 16 K's in 12 and 2/3 innings. But that is in Japan and in limited action. Odds: 100 to 1
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The 'Pen, Part II
Why am I so confident that the 7 of the 8 guys listed in The Pen, Part I will make up the Cubs bullpen? Well, beyond talent, it's a matter of money. The Cubs 'pen and 5th starter account for around $16 million dollars. With that in mind, the Cubs would either have to send down a player making more than a million dollars to play AAA or release a guy and eat in excess of a million dollars to do so. With that in mind, I give you the contenders (i.e. Guys on the 40 man roster):
Jeff Stevens-Stevens was the "centerpiece" in the Mark DeRosa trade. Ironically, the Indians had acquired him from the Reds in the Brandon Phillips trade. Stevens made 36 appearances in relief between AA and AAA, compiling nearly 60 innings of work. That includes 81 strikeouts, a 3.28 ERA, and a 1.13 WHIP. The 25 year old righthander seems like a legitimate reliever prospect, and has the potential to be the first callup of the year. Odds: 10 to 1
Randy Wells-The 26 year old righthander made his MLB debut last year, making 4 appearances without giving up a run or even a hit. Unfortunately, it was for the Blue Jays after being drafted in the Rule V. He essentially made the club as the 25th guy and due to injury. When those injured players returned, he was retuned to the Cubs. His numbers at AAA don't reflect his short term success. His 8 appearances as a reliever amounted to a near 6 ERA. He made 19 starts at Iowa with an 8-3 record and a 3.75 ERA. If the Cubs dig into the minors for help, Wells could be one of the first callups. Odds: 15 to 1
Kevin Hart-The 26 year old's stats have been discussed in detail in the 5th starter post. Hart, stolen from the Orioles (I know, surprising the Cubs made a trade with the Orioles) for Freddie Bynum, is a hard throwing right hander who would just be another arm in the 'pen. As previously stated, he may be the best suited player for the Cubs to move in a trade. Odds: 20 to 1
Angel Guzman-Guzman appears to be a better fit in the bullpen than the rotation. For one, it would reduce the strain on his arm and potentially save him from more injuries. Two, Guzman remains a strikeout pitcher. 30 strikeouts in 26 and 2/3 innings in '08 between the minors and majors. But even then, he still is just another right-handed arm. Odds: 20 to 1
Jose Ascanio-6 appearances, 5 and 2/3 innings, 8 hits, 4 walks, 5 earned runs. That means a 7.94 ERA for 2008. When he wasn't in the Bigs, he pitched 40 times for Iowa. An ERA over 5 was due in large part to the 10 HR's he yielded. The only positive was the 11 saves. The 23 year old is still young, but you have to wonder if the right hander's 2.54 ERA which made him attractive to the Cubs in '07 was a fluke. After all, his career minor league record is 3.84. Odds: 25 to 1
Justin Berg-Berg was added to the 40 man roster this offseason. Why? Well, the Cubs brass must see something that I am missing. The 24 year old right hander started the season in Tennessee, going 0-3, but with a respectable 3.49 ERA. He moved up to Iowa, where he made 27 appearances, 16 starts. But his 5.68 ERA and 1.00 K/walk ratio doesn't seem like the type of numbers that warrant a spot on the 40 man. He spent the winter playing baseball in Venezula, throwing 10 games of relief and amassing a 9.88 ERA. Odds: 75 to 1
Mitch Atkins-Atkins has been a starter for all but 3 appearances in '07 and 2 appearances in '04. So, to move him into the Cubs 'pen would be stupid. As I mentioned before, he sits in a perfect position to slide into the rotation in case of an injury, but doesn't seem like the kind of guy who would pitch in relief. Atkins record must not reflect the scout's view of him, as he still isn't in the Top 10 according to either BA or BP. Odds: 75 to 1
David Patton-Patton was a Rule V addition, after the Cubs paid cash to the Reds who selected him in the draft. The Cubs would have to put him on the 25 man roster to keep him. In 2006, he dominated at A Ball with a 1.95 ERA. He fell off in '07 when he moved to Advanced A Ball and had a 4.52 ERA. But back for his second year in Advanced A Ball in '08, he got back some of his form, yielding 29 runs in over 73 innings (a 3.54 ERA) and striking out 87. Given that he doesn't have any experience above A Ball, he's likely headed back to Colorado before the end of Spring Training. Odds: 80 to 1
Marcos Mateo-Mateo was added to the 40 man this offseason in his first season in the organization after being acquired from the Reds for Buck Coats. He has yet to pitch above Advanced A Ball, so it was a move to protect him for the future than provide immediate help. The 24 year old righthander had a 3.22 ERA between Peoria and Daytona, starting in roughly half of his appearances. He was hit pretty hard in the Dominican Winter Leagues, giving up 12 hits in 6 innings of work. Odds: 85 to 1
The 'Pen, Part III will focus on the non-roster invitees.
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Friday, 31 May 2013
Blog Sale!
7 comments
Could I get the Rose Otto lip salve and Dainty Doll lipstick please hun?ReplyDelete
Hi hun, sure! I'll send you a paypal invoice :) xxDelete
Jumbo Wavers for £25??ReplyDelete
Hannah xxReplies
Hi! £25 sounds fine, could you add £7 to cover postage as they're really heavy!Delete
Hi Hayley, Please can I have a few bits? The Aricare gel and the weleda cream? Have the jumbo wavers been sold now? If they havent I will glady take them off your hands and cover postage :) Please invoice email@example.com (husbands paypal) I have reached my spending limit on mine!! Thanks so much xxxReplyDelete
Hi Kayleigh, no problem and nope they haven't been sold! :) I'll invoice your Paypal now and post tomorrow :)ReplyDelete
What are your thoughts on this post? Please leave a comment!
If you have any questions please do not hesitate to e-mail me at email@example.com or tweet me @sparkles_blog


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The VTA Beach Conversion is a revolutionary design, engineered through evolution of the traditional Camper van Concept.
Our initial design brief here at VisionTech was to extend our conversion range to a vehicle that could offer: A full width electric bed, a 49L fridge, sink and gas hob, crash tested 2/3 seater seat bed and a large seating/lounge area whenever the bed is raised.
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The project has become a massive success and we couldn't be prouder. When combined with the addition of a HiLo roof, the internal space is transformed to TARDICE like proportions, giving you a "minimum" headroom of 6'3″ with the roof bed raised and with the roof bed lowered a huge sleeping area to create a 4 Berth Van. All this and with the roof lowered, it is so slim it's virtually invisible from the outside, gaining only 30mm in height from that of a standard van.
Looking for a break from tradition, the VTA Beach is the Campervan for You.
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City of Port Townsend Mountain View Pool
Pool and Swim Programs are coordinated by the City of Port Townsend Parks and Rec Department and provide activities for all ages and abilities. For further information you may contact Pool Staff at 360-385-7665. The location for all swimming programs and activities is:
Mountain View Pool
(Also known historically as Port Townsend Pool and Memorial Pool)
1925 Blaine St. Suite 400 Port Townsend, WA 98368
Beat the Heat at a Public Beach - Where are the swimming holes?
Grab your beach bag, blanket and plan a trip to a local swimming hole. Make sure to bring your towel, sunscreen, sunglasses, inflatables and plenty of beach toys as Jefferson County has some wonderful spots to enjoy the sun, sand and water.
Fort Worden State Park
Follow Cherry Street to this beautiful park in Port Townsend. A great place to build a sand castle, explore the underwater park with your scuba gear or launch a small boat. Canteen store and restrooms across the street and plenty of hiking and biking around the park.
Quilcene Swimming Beach
Alongside the Quilcene Marina on the Hood Canal about 25 miles south of Port Townsend. A swimming platform to use when the tide is in and plenty of beach for when the tide is out. Remember to bring your beach chair because the mountain and water view is fantastic and this beach is usually warmer and less crowded than beaches in Port Townsend.
Gibbs Lake County Park
Located off West Valley Road about 16 miles south of Port Townsend. Parking is limited at this county day-use park and you have to carry your gear, but the sandy beach has a soft bottom and fairly quick drop-off. The water is colored by minerals, so wash your bathing suits and towels quickly when you return home. Gibbs and Anderson Lake are sometimes closed due to toxic algae, so check with the Jefferson County Health Dept. here >>
Lake Leland County Park
Just off Highway 101 between Quilcene and Discovery Bay about 25 miles south of Port Townsend. There is lots of park shoreline to swim from and the water's warm, compared to Port Townsend Bay. A great place for little kids.


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text: Lincoln Photo Walk – April 2013 Posted by Ron Nabity on May 2, 2013 Posted in: Uncategorized. Leave a comment 04-30-2013 Here are some random photos captured in Lincoln during the month of April…enjoy! (click on any photo to see a larger image) Beermann's Plaza Sunset in the ranch lands outside of Lincoln Awful Annie's in the Jansen Feed Building. Tony Overbay runs his 24-hour run at Lincoln High School stadium. Still standing… 130 years later. Along Mt Vernon Road. Hidden Falls Regional Park High School Rodeo action. A vintage car parks in front of the old Carnegie Library. – + –


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Folsom Home Inventory
As you have been reading, the inventory of homes available for sale here in Folsom is low. I thought I would break it out in the three segments of our market. There are equity sales, which are traditional home sales. There are REO, which are foreclosed on homes. Then there are the short sales, where the owner owes more than the home is worth.
Chart 1 shows the inventory for equity sales here in Folsom.
Chart 2 shows the REO inventory.
And with Chart 3 I am showing the inventory on short sales.
While pendings and sales are consistent in equity sales, and a little bumpy in REO's, take a look at short sales.
The short sales are trending up in both pendings and solds. That is telling me that more banks are coming to terms (at least for the moment) with the situation and are agreeing to the short sales.
What does this mean for buyers? If you are not concerned about the First Time Buyer's Tax Credit, and you find a short sale that fits your needs, it might be worth trying to buy.
It still requires some questions asked, such as how many loans on the property, which lenders are involved, and how upside down is the seller. But if those answers are the right ones, and you have patience, you might consider it.
And if you are considering selling, and might be in a short sale situation, more of them are getting sold and it might be time to put your home on the market.
Want to know how the market will impact your situation, give me a call!


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Towers 3
Ponce Inlet Condos
Towers 3
4525 Atlantic Ave Ponce Inlet, FL 32127
Towers 3 Information:
- Bedrooms: 2-3 bedroom Units
- Unit Sizes: 1395-2137 Sq Ft
- Pets: Yes Are Allowed
- Amenities: 3 Oceanfront Pool, Jacuzzi, Fitness, Sauna, Social Room, Tennis, Underground Parking, 24 hr security, No Drive Beach and storage.
- Parking: 1 Assigned parking space
- Laundry: in unit
- Fees: $500 – $613
- Fees Cover: Building Insurance, Clubhouse, Common area, Exterior Paint, Lawn, Pest Control, Pool, Sewer, Security, Trash, Water, Tennis.
- Building: All Units are Direct Oceanfront and feature an unobstructed views of the Atlantic Ocean.
What is your Towers 3 Condo Worth?
Current Listings
Information on this site is deemed reliable but cannot be guaranteed. Information should be independently verified to ensure accuracy. Please contact us to report outdated information.


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A Message from President Stuart Rabinowitz
Hofstra University is fully committed to being a welcoming and inclusive community for all who learn and work on our campus. There is no room for hatred and violence here; a university represents the best of a democratic and free society, where respect, acceptance, and open dialogues are paramount.
In light of this weekend's events at the University of Virginia, we reiterate Hofstra's commitment to equality and decry the acts of hatred and bigotry that occurred at Charlottesville. Among our core principles and ideals is that all people are created equal, and have the right to pursue their education here in an environment of peace and civility that welcomes and embraces our human differences. We condemn the actions which occurred at the "Unite the Right" rally perpetrated by groups such as the KKK, neo-Nazis, and other white supremacist organizations. We reject any attempt to divide us, pitting one segment of society against another. As we honor our country's commitment to free speech, Hofstra University encourages speech that is respectful and peaceful, and does not impinge on the rights of others to live without persecution or harassment.