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2013. június 18., kedd

Post-doctoral Opportunities - Brazil

Deep Marine Research Group - UFRGS, Brazil in collaboration with University
of Aberdeen - Funded by BG Group is looking to fill two post-doctoral positions in the newly formed Deep Marine Research Group, at the Federal University of Rio Grande do Sul (UFRGS), Porto Alegre, Brazil. This is an excellent opportunity to visit an exciting part of the world and conduct first class research. More information with regards to the positions can be found at:

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2014 Race Reports – Round 5: Castle Combe – 26 May 2014

Words and Pictures by : Phil (Scoop) Broster.

‘e’mail : phil_scoop@hotmail.co.uk

The end of May saw the Spring Bank Holiday weekend and the next round of the Lackford Engineering Midget and Sprite Challenge on Bank Holiday Monday. There were nineteen entries for this round on one of the fastest circuits on the calendar, including all of the regulars.

Qualifying took place in bright dry conditions with the usual front runners making the pace. Paul Sibley was once again on pole, Martin Morris posted second fastest time after having only completed four laps before pitting with his car stuck in fourth gear. Sam Healey put in his best qualifying to date recording third fastest time, just pipping James Dunkley into fourth place. Andy Southcott was next with Stephen Pegram just beating Paul Campfield into sixth spot.

Nigel Pratt was only just behind with Dean Stanton, Richard Wildman, Tom Walker, Robin Lackford and Neil Cameron all just over a second apart. Darren Harman was next from Ed Reeve who only completed two laps before pulling in with a terminal problem which would see him out for the rest of the day. Edward Easton, Carl Chadwick, John Bridge and John Tewson completed the order.

With Qualifying over a wander round the Paddock caught up with the various maladies which included Martin Morris desperately trying to open up his cars transmission tunnel to get to the gearbox selectors, he would have it all sorted by the time of the race which incidentally wouldn’t be for another seven hours!

Ed Reeves car was on its trailer, it turned out to be a major gearbox issue and with no spare that was that. Paul Campfield discovered a snapped A frame, which explained the cars irregular handling. Suitable welding gear couldn’t be located around the paddock but a trip to a local garage saw a repair made.

Others without major issues just fettled with their cars or sat around chatting and making tea as the afternoon slowly passed by. Eventually race time came around, we were the last of the day and the weather certainly wasn’t being kind. A threat of rain had people perplexed over tyre choice.

It actually did start to rain as the field went out suitably soaking the track and making it slippery, certainly for the first few laps. The lights went out and at the start Dunkley got the drop leading Sibley into the first corner as the rest made off into the spray.

On the completion of that lap Dunkley was still in the lead with Sibley second and Morris in third. Pratt was fourth with Campfield and Pegram all together as the rest of the pack sped through.

Sibley found a way through and came round in the lead but Dunkley was not giving in and round the back of the circuit challenged for the lead once more. This turned into a great battle with the pair finishing just two seconds apart at the end. Morris would hang on in the early stages but would drop back to a lonely third place.

Meanwhile, behind there was a fantastic fight looming between Pratt, Southcott and Campfield with Pegram also in on the act. There would be a lot of place swapping in this battle with one or other leading the fight before assumed contact eventually breaking it up, certainly as a four car battle, leaving Southcott to stage a recovery.

Pratt and Campfield would continue fighting to the end with Campfield getting ahead only to be pipped at the flag by the yellow car. Other battles would see Lackford struggling with a misfire fighting to keep ahead of Tewson and Chadwick before finally retiring after five laps by which time we had lost Walker and Wildman who was another to have gearbox issues.

Harman had a half spin dropping him back although he would get back ahead of Tewson and Cameron at the end. Southcott fell into the clutches of Stanton but would finish well ahead at the finish. We lost Easton after eight laps with a split water header tank.

After 20 minutes out came the flag which saw Sibley win but only two seconds ahead of the on form Dunkley, Morris wasn’t far behind before the scrapping Pratt and Campfield came home ahead of Pegram. Southcott finished an unhappy seventh ahead of Stanton with the consolation of class fastest lap on the final lap. Sibley had recorded the race fastest lap at the same time. Harman had recovered ahead of Cameron, Tewson and Chadwick with an uncomfortable Healey next with Bridge completing the order.

This had been an exciting race, well worth the long wait. The next round will be at Silverstone before a short break.

Scoops momentous moment : the battle for fourth for the entire race.

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What’s New

Pollution Isn’t Pretty Workshop

Building Capacity and Strengthening Branding Using a Partnership Approach  This face-to-face learning experience has been designed to stimulate reflection and action in anticipation of growing and developing the Pollution Isn’t Pretty campaign. The focus will be on building capacity and creating stronger partnerships by forming working groups to complete three, […]


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Azelea @ Cali Greens, Homestead, FL

Client: Keys Gate Realty

Vieiwng Instructions

Instructions how to view the 3D Walkthrough:

Click on the

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button below then wait for it to load.

Click the Floor Plan icon

or 3D Model icon

at the bottom left for those respective views.

You can explore those unique views then click any location anytime to zoom back into the walkthrough.

To move around and navigate you can either use the arrows on your keyboard

or use your mouse to click and drag around.

On Mobile devices swipe left and right and double click to move ahead.

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Please use the latest version of your web browser and make sure “Web GL” is enabled.

Contact us if you need assistance.


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Foxconn Suicide Returns, Another Foxconn Employee Falls to Death

November 5, 2010 | By , , , , , |

Oh my god. Today morning, another employee of Foxconn leapt to his/her death. This happened at one of Foxconn’s manufacturing facilities in the southern Chinese manufacturing hub of Shenzhen. The death was confirmed by the municipal government. No further information was immediately available. We are sad, and one thing comes to our mind, where are the safety nets? Updated.

iPhone Knockoff Disguised As Magic Mouse

October 11, 2010 | By , , , , , |

Do you think it looks like Apple Magic mouse? It’s actually an iPhone knockoff disguised as a Magic Mouse. It’s green color and there’s a white version too. The knockoff makers are always bringing us some surprises.

New Apple Peel 520 Unboxing and Hands-on! (with videos)

September 21, 2010 | By , , , , , , , , |

You’ve been asking for the price and availability of the Apple Peel 520, the magical case which transforms your old iPod touch into an iPhone.

iPhone 4 Briefing at China Unicom Branch Office

September 10, 2010 | By , |

The iPhone 4 is coming soon to China, and it seems like there』s some sort of team briefing happening at the branch office of China Unicomthese days. So, they are learning about the features of iPhone 4, suchas the A4 chip, Retina display, multitaking and the design. As far aswe know, China Unicom is getting ready to launch the iPhone 4 onSeptember 20. Check out for more photos of the briefing after the jump.

The Rival of Apple Peel 520 Unveiled

August 12, 2010 | By , , , , , , , |

It does the same great thing as the Apple Peel 520, allows you to make calls and send texts on your iPod touch. It’s still a case, but not in silicon rubber, it’s built in hard plastic. It has got better design and finishing, but users still need to jailbreak the iPod touch device first before using it. So what you call this? The tPhone.

The New White iPhone 4 Leaks Out

August 9, 2010 | By , , , , |

Whoops — somebody at a China factory deliberately brought the newly made white iPhone 4 to Hong Kong, by packing into a black iPhone 4 box and let the securities to think it’s just a dull black iPhone 4. So, take your time to digest these beautiful photos of the NEW white iPhone 4, featuring white headphone jack and dock connector!

Apple Peel 520 Review (with video)

August 5, 2010 | By , , , , , , , |

Not long ago, we had reported an adapter case that turns an iPod touch into an iPhone, and it had been called “Apple Peel 520″. The official price for this adapter is marked around $388 RMB (about $57) and it has an one-year warranty. Chinese tech website PConline has just done a review for it and we are presenting to you now, in English.

Foxconn suicide jump return — part II

August 5, 2010 | By , , , , , |

Part I happened on July 20. And now, another employee attempt to commit suicide at Foxconn. Luckily, it’s unsuccessful, thanks for the safety net which has surrounded the building.

Need More Money To Get The Apple Peel 520

August 1, 2010 | By , , , , , , |

We previously reported the magical adapter case, which could transform an iPod touch into iPhone, and we found out that it’s available for sale on Taobao, but you can only pre-order for one now, by giving a deposit of $100 Chinese yuan (about $14).

For around $300 – $500 Chinese Yuan (about $43 – 70), you can purchase this adapter to fit your iPod touch on it, and make calls with it. The launch date of Apple Peel 520 is uncertain, and we are trying to get one to have a full review on it. Please stay tuned.

iPhone 4 and iPad might launch in China at the same time

July 29, 2010 | By , , , |

China Unicom’s insider revealed, talks on import iPhone 4 and iPad to China had ended, the launch date had decided. It is rumored that iPhone 4 and iPad will launch in China together on the 1st of September, and iPhone 3Gs of 8GB will be available for sale in Unicom’s network on the 1st of August.


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Saturday, June 03, 2006

Old Dominion to Add Football in 2009

The title of this post alone should tell you how tough it is to find college football related material for one's college football blog the first week of June.

Anyhoo, starting in 2009, ODU will become the 13th member of the 1-AA Colonial Athletic Association. The Monarchs will play their home games at Foreman Field, a 20,000-seat stadium that will be upgraded to have suites in one endzone.

In a related story, starting in 2009, Kansas State has added Old Dominion to its non-conference schedule in perpetuity.

Anonymous said...

Made the same comment over at EDSBS, but ODU is going to be a competitive 1-AA team in fairly short order. Eastern VA produces a TON of talent (Michael Vick, Lawrence Taylor, AI) and ODU will probably become the detination of choice for the 1-AA-bound player from that area, much to the detriment of W&M and JMU.

cottoncandy said...

anon, you sayin' that recruits from that area want to blow up the school? Is that legal in Virginia?

Anonymous said...

$100 says that Florida adds them to one of their first two games!

Reed4AU said...

ODU might be competitive at that level in a few years, because as anon pointed out the Hampton area of VA produces a lot of talent. However it will take awhile because of the competition from other in state recriuters. Anybody who can really play will go to VA Tech, if they can play and read they'll go to UVA. If they can play but not at TECH they'll go to JMU(National Champs 2 years ago). If they can play and read but not at UVA there's Richmond. Not to mention schools such as Virginia St. and Virginia Union. Also if they want to play and shoot guns(not unheard of around Hampton) there's always VMI.

jeff said...

Maybe I'm labeling myself here, but doesn't a "200 member marching band" out of nothing sound just a tad too optimisitc?


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Saturday, December 27, 2008

Starr Readers Book Drive Thrives Despite Failing Economy

From the LBBC -
"It never fails to amaze me how just one person can make a difference. For the past four years, Texas native, Karen Furlong, has been collecting and donating books to nine libraries in Rio Grande City public schools. The city is located along the TX-Mexico border and within Starr County, which is considered to have one of the hightest poverty levels in the country.

Despite this year's economic struggle, it looks like she may end up with a record number of donations and $5,000 worth of books to deliver. Karen delivers a diversity of books - classics, popular fiction, etc. - and this year she'll be buying more culturally oriented stories like Jonah Winter's Frida and Elena's Serenade by Campbell Geeslin.

If you would like to send some money, gift cards (a Barnes and Noble store that she works with will give her the books at discount), or actual books, you have until the 4th of January. Then the next day, she and her mamá, Evangeline Rodriguez Marino, will make their now traditional drive down to Starr County to deliver their gifts in time for Día de los Reyes. Please mail donations/ checks, made out to Starr Readers, to 3125 Damascus Way, Dallas, Texas, 75234.

Isn't that wonderful? So many of these children will be lucky to get any presents at all. If you'd like to read the whole article about the Starr Readers Book Drive, click here.

Perhaps, dear Readers, next Christmas, we can help out and have a little on-line book drive to send to Karen? I'm sure we all have many books that we could share with all the niños of Starr County."

Tuesday, December 23, 2008

Feliz Navidad from Latin Baby and Mi Cielito Lindo

A little note to wish you all a wonderful Noche Buena and a very Feliz Navidad.
Mis niños are drunk on the excitement and the anticipation of all the goodies they think they will be getting. Already they have received so many gifts from family friends that I think I will have to take some of mine back. No child should have so many toys.
Friday morning will be spent going through "old" toys and filling the Goodwill box. A nice way to end the year by giving to those that are in need that which we do not. In fact, I will be combing through my closet and the coat closet as well, to dispense with our excess. How many of you are like me with sweaters/shirts/dresses/shoes sitting in your closet that are either too small (yes) or too big (no)? Or maybe there is an outfit that has nothing wrong with it, but is rarely worn?
I will post pictures next week, so that by promising to do so, I will be forced to carry out this plan rather than just talking about it.
I wonder, Amigas, would any of you care to join me? Let me know if you, too, will give generously and selflessly to those who have less this year. Send me a picture and I will post both it and your story.
With warmest holiday wishes from mi familia to yours,

Monday, December 22, 2008

Really, I don't need a job !

Hola y Felicidades Navideñas !

Monica has graciously invited me to join the wonderful mamitas that will be contributing to Cielito Lindo (ayy ayy ayy ayy, canta y no llores....) - sorry about the spontaneous singing.

My name is JoAnna Ordóñez. I grew up deep in South Texas and now live in the Texas Hill Country. Just about 4 years ago I decided to leave my engineering job and stay home with my family, we have been blessed with 4 children (ages 6 to 9 !) who are the light of my life. Vidriosa Glassworks has grown in many ways since I first began making glass pieces and today is a great success, and it affords me the luxury of staying home with my children. Life in our home can be very busy, but there is always time for play, travel and fun.

Really, I don't need a job !

In my business I meet so many people from many different walks of life. Art shows are a way of life for my family and I'm blessed with being able to share my story with my customers. It seems lately that every time a man who seems really interested in my work comes into my booth, they then call about 1 to 2 days later offering me a job. And not just any job, no sean mal pensadas !

A little background... In a former life, I was a Chemical Engineer and making very good money. But one day I woke up and what seemed like the perfect life, a house, a dog, 2 great cars and all the toys we could ask for, was just not my idea of what it was I really wanted out of life. Although I'd followed my parents plan of finishing school and getting a great job making lots of money, I really wanted to be a Mamí. My little sister, whose career is very important to her, gave me the whole "how could you do this to women" speech, but there was a real yearning in my heart to have little ones running around the house.

My husband of 18 years and I decided it was time to start trying for those babies and after a long run of fertility treatments we were just not able to conceive. It was by the grace of Diosito that we were able to adopt a beautiful little girl of 18 months. And then 2 years later we were blessed with 3 hermanitos. Our adoption story is a great one filled with the ups and downs and blessings that only could have come about through divine inspiration.

Fast forward to this last fall and my many art shows... It seems that every man that has come into my booth and looked interested in my product has something to offer.

From Xango to Pampered Chef, to Nona-V, Airbonne and Tupperware, there is always an offer of a way for me as a stay at home mommy and as a great sales person to make some extra income.

If they only knew, that I thoroughly enjoy being at home with my children and not having the stress of a 9 to 5 job. If they knew that Vidriosa is doing wonderfully thanks to the following and relationships I've been able to create with my customers, that to date we have over 45 wholesale accounts and counting. And, If they only knew that 25 of the 24 hours in the day are filled with childrens activities, working on my glass and craft projects with the kids, being the Arts Writer for Insite Austin Magazine , being the creator and Director of Artejanos, volunteering for Meals on Wheels and our ACTS Community, playing Bunko with the ladies, and keeping the house in "semi" order, they would never even dream of offering me a job !

Thankfully Vidriosa has blessed me with more business than I can keep up with in a day and I really don't need a job !

I'd love to hear from you and your experiences with this "dilemma" and if you're doing this I applaud you, I just really don't have time for another job. You can find me online at Vidriosa Glassworks and on facebook and myspace too.

Many blessings to you and yours.

Feliz Navidad y Prospero Año Nuevo - I want to wish you a merry christmas, I want to wish you a merry christmas, I want to wish you a merry christmas from the bottom of my heeearrrrt !

~* My children are singing too ! *~

Saturday, December 20, 2008

Mi Cielito Lindo is Growing!

As I have mentioned already, things are totally crazy for me. Latin Baby is growing and new projects (such as the Book Club and the Latino Family Gift Guide) are constantly cropping up. It is getting harder and harder for me to keep up with all the blogs, so I have invited some other talented Latina mamis from around the country to help Mi Cielito continue to grow.

The goal of this blog has always been to write about issues affeting Latina moms. My comadres bring a diversity to the blog that I am eager to have and will be writing about everything from art projects with the kids to health issues, fashion to the challenges of single parenting.

I hope you will welcome them with open arms and the warmth that makes us Latin mamas. I wasn't going to have them start until after the first of the year, but some are ready and willing to begin immediately with ideas for Navidad.

Welcome, Amigas!

Friday, December 19, 2008

A New Blog on the Block

There is a new mami blog on the web that you should be aware of. Carla Molina Martins the blogera behind Mama Hearts Baby has recently signed on with to be their official Latina mami. Their new blog, The Mami Diaries, are a fun (sometimes hilarious) take on issues that Latina moms face. Frequently featuring her baby girl, Dessa, Carla infuses her posts with humor, insight and helpful information.
I already call her the Super Mami because she has a hand on the pulse of the internet - MySpace, Facebook, Twitter, two blogs - while juggling a 16 month old AND pregnant with bebé number 2. And I think she's got a day job, too - don't you, Carla?
Anyway, her most recent Diaries post features Latin Baby and several other great businesses with product discounts for readers.
You can check out The Mami Diaries here.

Wednesday, December 17, 2008

Angelito Ornaments

This week has been a busy one at our casa, just as it probably is at yours. My oldest finished off her preschool week with a Christmas performance that I gleefully video taped. Of course, every breathing moment leading up to that was pure, frantic chaos. She worked hard to memorize the Christmas poem she had to stand up and recite, while I fretted over what she should wear and how to arrange her hair. My eyes were bloodshot from staying up WAY too late trying to finish making the felt angelito ornaments that I made for each of her teachers (there are four.) I was more or less happy with the finished pieces and have decided to make more for us and others as Christmas gifts. Here's a picture of what they looked like before I put them in their individual gift bags.

Now the Christmas break is here, so it is a good thing I finished shopping for the kids because between now and Christmas, I will not get to enjoy a single moment without one of them in tow. It is fine, though, provided I schedule my time wisely. For instance, I still have a few more presents to get, but shopping times will have to be planned for the early mornings as afternoons equal naptime and without naptime, shopping is hell. Actually, it is not that bad if you enjoy a crying, frothing, screaming two year old who wants to have everything in the store while the four year old keeps crawling out of the cart in a mad attempt to touch everything she sees in Tar-jay.
Morning shopping equals two docile little lambs who sweetly ask if we can get this toy or that toy, and barely blink an eye when I say "maybe" or "put it on your Christmas list." Much less stressful. I wonder about you, dear readers. Do you shop alone or with kids? or with kids and an adult backup?

Friday, December 12, 2008

Gift Sets for Abuelitas

One more shameless plug for Latin Baby...for those of you wondering what to buy Abuelita this Christmas, be sure to check out LB's gift sets. The one pictured here comes complete with a "#1 Abuelita" tee (available in azul or lavendar, sizes S-XL), an "Abuelita" pendant made of dichroic glass, and a pack of 5 handmade "Dichos de mi Abuelita" notecards using loteria images. All these are carefully packaged inside a vibrant day bag that is perfect for trips to see her grandkids.

For more information, check out the Latin Baby boutique here.

Or, if you prefer, a gift certificate to the store also makes a great regalito for mamás y abuelitas and is available for as little as $20.

Monday, December 8, 2008

The Latino Book and Family Festival

I never seem to be at the right place at the right time to catch the Latino Book and Family Festival (though I am often at the right place at the wrong time!) But maybe if you are in the Houston area this coming weekend, December 13 & 14, you could catch the festival at the George R. Brown Convention Center. Originally scheduled for October, the festival had to be rescheduled due to Hurricane Ike.

Co-hosted by Nuestra Palabra: Latinos Writers Having Their Say, the Latino Book and Family Festival is the largest book fair in Texas, and the fastest growing book fair in the country. Over 30 Latino authors will be in attendance, many of whom will be leading workshops, including America’s first best-selling Mexican American author Victor Villaseñor, the author of Rain of Gold, Burro Genius and Thirteen Senses as well as Gustavo Arelleno, who pens the nationally syndicated column Ask A Mexican, and Stephanie Griest Elizondo, author of 100 Places Every Woman Should Go.

The festival itself is a weekend event that promotes literacy, culture and education in a fun environment for the whole family. I have wanted to attend the book fair for ages, so if any of you go, I hope you will tell me how much fun you have!

Admission is free.

For more information, click here.

Sunday, December 7, 2008

Las Posadas: Remembering Childhood Traditions

Sometimes it is very hard being so far away from familia. And the holidays are often the hardest. I think back about all the great times I had as a child during this time of year, and I wish so much that my own children could experience the same things.

For instance, the tradition of las posadas.

Growing up, this was one of my favorite holiday celebrations. More often than not, we participated in several each year before Christmas. Sometimes la posada was hosted by a community center or park, but most of the time a group of amigos took turns hosting it at their homes. I remember the pride each couple took in having one at their house. Rooms were meticulously cleaned, pictures of children and grandchildren were lovingly dusted, decorations were carefully arranged with special attention given to the tiny (and some not so tiny) nativity scenes. The homes were warm with love and laughter - especially the kitchens. ¡Ay! The aromas wafting from each one were a sensual delight - tamales, champurrado, chocolate caliente, buñuelos, and on and on...

I can remember usually being in the group that forms outside asking for shelter/lodging. Bundled up against the chilly nights with a tiny white candle in one hand and a piece of paper with song lyrics in the other, we would sing our little hearts out, steam from our breaths rising like the notes into the black, frosty sky above.

Occasionally I got lucky and was chosen to be one of the people who carry los peregrinos (the statues of Mary and Joseph) in the procession. Such an honor, but I always felt a little guilty because I never could memorize the words to the songs so I had to lipsync and hope nobody caught on.

The best part though, of course being when the "inn keepers" finally granted us permission to enter and everyone began joyfully singing,

"Entren, Santos Peregrinos,
reciban este rincón,
que aunque es pobre la morada,
os la doy de corazón."

If you'd like a good description on the history and current celebration of Las Posadas tradition, you can check out Wikipedia or Mexico Connect or even CinnamonHearts

For the complete song lyrics, click here (includes a link to a printable score.)

Now, if you are getting ready to host una posada, and are planning your menu for the night, why not check out these recipes for tamales de chocolate y canela (shown above) or cinnamon chocolate coffee, or maybe this one for warm apple empanadas. Mmmmm, delicioso!

Tuesday, December 2, 2008

Abuelitas Deserve a Lot of Love

Mi mamá leaves us tomorrow after 10 days of shopping, merriment and planning. I've spent almost all the money I had saved up for the holidays, and at least have my kids' presents taken care of and my office space better organized. I'll truly miss all the help she gives me with mis niños - feeding them breakfast, reading them to sleep, changing diapers, and so much more. Does she let them watch too much television when I'm not looking? Absolutely. But she also showers them with kisses and hugs and buys them (and me) the things that we need and I can't afford.

This afternoon was the best gift - a much needed nap for me! I've been fighting a sinus infection for almost 3 weeks now and it seems to be getting the better of me. The nap was such a blessing.

And, of course, let's not forget the night off I got to actually go somewhere without a child in tow! The movie, Australia, was magnifico! I'm not a big fan of Nicole Kidman, but she did a great acting job. And now I can see what all the fuss is about Hugh Jackman! Man alive, let me just say, Sisters, it's a good thing for him that I'm married or he'd be in trouble! I think my hubby had to shut my mouth for me during the scene where Jackman is soaping up his magnifico torso. Ay, dios mio. I really owe my mami something special this Christmas!

So the point of all this is...have you got someone special in your life who helps you with the little things? Maybe it's your mami, or your tia, or your sister, or your best friend. Despite this holiday's economic crunch, why not do something really special to show your appreciation? Give them something you made yourself, or bought just for them. Make them their favorite meal, knit them a scarf with your own hands, get them the softest pajamas you can find. But remember - don't forget the card! And take the time to write down how much they mean to you.

Thank you, Mami.

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Tuesday, October 8, 2013

Perils at the Salon

Constant vigilance is required of me because of my chronic pain. Today was a great example of that. I went to get my haircut, my yearly cut to clean up the ends as I continue to grow it. As soon as I sat down I explained to the woman about my sensitivities. I told her that beyond shampoo and conditioner I didn't want her to use any products. I just needed a simple cut and dry. She agreed.

The hair salon is a gauntlet of triggers, lots of bright florescent lights, even more products and scents, someone else tugging on my hair and scalp... Most certainly a place for high vigilance. Unfortunately, for some reason I allowed myself to relax during the hair drying process. This proved to be a terrible mistake. Before I knew what was happening the stylist had put down the dryer and was spraying my hair with stinky, sticky hair spray. It happened so quickly and because I dropped my guard for a minute  I wasn't able to stop her before she started spraying. She apologized but the damage was done.

I had to come straight home and rewash my hair. Even after washing and drying the smell remains. I just can't wash it again today, my head won't have it. I guess this is the price I have to pay for my lack of vigilance. Lesson learned. Again.

  1. I think you did due diligence in stressing to the stylist when you arrived that NO products were to be used on your hair. Once she was told that, it was up to HER, not you, to make sure that request was followed. I'm really sorry this happened to you - it was so unnecessary.

  2. Wow, that was wrong on her part, not yours. You explained that you didn't want any other products and she used them anyways. She should have listened a bit better to you.


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NECCC 2017 Conference: Video & Audio with DSLR

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NECCC 2017 Conference: Video & Audio with DSLR

July 15, 2017 @ 8:00 am - 5:00 pm

Recording Video and Audio with your DSLR

Photographing birds and other wildlife has become increasingly popular over the last ten years with vast improvements in digital technology. One of which is the ability of a DSLR to record video and audio. Shawn will lead a discussion on how to record quality video and audio with your DSLR. Topics will include: what makes a good video clip, equipment needed, what to avoid in the field, tricks of the trade and how to manage your files in Lightroom. Examples in this program are of wildlife, however, the technology is applicable to other subject.

Shawn Carey
Mass Audubon Daniel Webster Wildlife Sanctuary
Marshfield, Mass.
Skimmer & Common Tern

University of Massachusetts Amherst
1 Campus Way
Amherst, MA 01003 United States
+ Google Map

Shawn Carey is available to present any of these workshops, lectures, or any of Migration's videos at your events, meetings or festivals. We can also provide a full range of audio visual equipment depending on the size of the venue and audience. Contact Shawn for more information.


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Bpl t20 2018 today match prediction

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Monday, May 16, 2011

Margaret Hamilton

On May 16, 1985, actress Margaret Hamilton died. She was an American film actress known for her portrayal of the Wicked Witch of the West in the 1939 film The Wizard of Oz. A former schoolteacher, she worked as a character actor in films for seven years before she was offered the role that defined her public image. In later years, Hamilton made frequent cameo appearances on television sitcoms and commercials. She also gained recognition for her work as an advocate of causes designed to benefit children and animals, and retained a lifelong commitment to public education.

Hamilton's unlikely career as a film actress was driven by the very qualities that placed her in stark contrast to the stereotypical Hollywood glamour girl. Her image was that of a New England spinster, extremely pragmatic and impatient. Hamilton's plain looks helped to bring steady work as a character actress. She made her screen debut in 1933 in Another Language. Hamilton went on to appear in These Three (1936), Saratoga, You Only Live Once, Nothing Sacred (all 1937), The Adventures of Tom Sawyer (1938), and My Little Chickadee (1940). She strove to work as much as possible to support herself and her son; she never put herself under contract to any one studio and priced her services at $1000 a week.

In 1939, Hamilton played the role of the Wicked Witch of the West, opposite Judy Garland's Dorothy Gale in The Wizard of Oz, creating not only her most famous role, but also one of the screen's most memorable villains. Hamilton was chosen when the more traditionally attractive Gale Sondergaard refused to wear makeup designed to make her appear ugly.

In the 1940s and 1950s, Hamilton had a long running role on the radio series Ethel and Albert in which she played the lovable, scattered Aunt Eva. During the 1960s and 1970s, Hamilton appeared regularly on television. She did a stint as one of the What's My Line? Mystery Guests on the popular Sunday Night CBS-TV program. She reprised the image of Elmira Gulch from The Wizard of Oz for her role as Morticia Addams' mother Hester Frump in The Addams Family.

During the 1960s she was a regular on the CBS soap opera, "The Secret Storm," and in the early 1970s, she joined the cast of another CBS soap, "As the World Turns. She had a small role in the made-for-TV film The Night Strangler (1973) and appeared in Sigmund and the Sea Monsters. She would reprise her role as the Wicked Witch of the West in an episode of Sesame Street, but after complaints from parents of terrified children, it hasn't been seen since 1976. She also appeared as herself in an episode of Mister Rogers' Neighborhood and continued acting regularly until 1982. Her last role was a guest appearance as a veteran journalist on an episode of Lou Grant.

She lived in New York City for most of her adult life. Her Gramercy Park apartment building also boasted James Cagney and Jonathan Frid as tenants. She later moved to Millbrook, NY. Hamilton died in her sleep following a heart attack on May 16, 1985, in Salisbury, Connecticut, at the age of 82. There is conflicting information about the exact location where her ashes were scattered one sources states that they were scattered at her home in Amenia, New York, while another source says it is Cape Island, Maine. Author of "Fade to Black: Graveside Memories of Hollywood Greats, 1927-1950"

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Blogs > Millennial Traveler

New and traditional ways of exploring the globe, and your own backyard.

Wednesday, December 11, 2013

Indoor Surfing, Skydiving, and a Waterslide in New Hampshire - Oh my!

For those in the Albany area who have always wanted to learn to surf (myself included), we may finally have our opportunity.

I usually don't associate surfing with the east coast. I know it's entirely possible - there are beaches and waves - but the sport is usually hard to do with the cold weather (at least non-beach weather) which makes up most of the year in the Northeast.

But this is a problem no longer.

Just three hours away from Albany, NY there is a facility with indoor surfing, indoor skydiving and an "endless water slide." It's called SkyVenture. (And here I was hoping it was called Skynet.)

The indoor surfing section - called Surfs Up - is opening at the site in Nashua, New Hampshire on Dec. 21, according to their website. Once open, it is touted as being the "largest indoor surfing facility in North America." There are other indoor surfing facilities but they appear to be in Orlando, California, and Hawaii - ya know, where they are actually able to go outdoor surfing too.

Not that I know anything about surfing, but the site says there is a 32 foot surf stream.

The site's indoor skydiving is made possible by a large vertical wind tunnel and their endless water slide kinda reminds me of the H2OGO ball at Howe Caverns.

Some of the rules: for watersliding, must be 4-year-old and cannot weight over 275 pounds; and for skydiving, cannot weigh more than 250 pounds, must be 3-years-old, and must sign a waiver. I'm guessing since they give the weight requirements in "stone" as well that this might be a British-run venture. There do not seem to be any requirements for surfing - I'm sure there will be eventually.

Prices are:
Water Slide - $20 (with a ride lasting 90 seconds and can be enjoyed by three people at once)
Wind Tunnel - $55/$95-$900 for times ranging from 2 minutes to 1 hour
Surfing - $45 for 30 minutes or $75 for 60 minutes

And, as it happens, there is a groupon right now where you can save $15 for the new Surfing option.

Blogger hairfinity offers said...

Indoor Surfing, Skydiving, and a Waterslide in New Hampshire - Oh my!
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January 21, 2017 at 2:23 AM

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ICHI Antiquite

Cotton Poly Rib Tank Top in White

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Friday, February 22, 2008

i'm on leave today!!

last minute decision

my sis-in-law
will be getting married

my parents also will be coming
ngee ngee ngee

p/s:: got a lot of things to do today
till then
see u all around

to my dear best friend ~zura~
the opportunity only came once
so.. preggy mom
please think wisely..

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Saturday, March 07, 2009

Random Thoughts While In My Car

  • Pick a lane!
  • Adding a spoiler will not make your Focus go faster.
  • I DO see you pick your nose.
  • You can squeegee, beg for money or food; you can say "Welcome to McDonalds"
  • No, Edouard. Holding a sign up that says "Kidnapped. Call police" is not funny.
  • Don't puke, don't puke.
  • Don't pee, don't pee.

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Thursday, March 29, 2012

Remembering Ronnii

Tonight we are lighting a candle in honor of the beautiful Ronnii.

We will miss you dear furrend..........butt will not forget you!

See you later, at the Bridge
Love and hugs,
Minna Krebs, Pickles, Ditto and Rooney
and da momma, Cheryl

Friday, March 16, 2012

Kiss ME .....

......I'm Irish!!!!

Lucy Leprechaun O'Donkey

Lucy's Avon Special - St.Patrick's Day Only!!!!
Green Eyeshadow
Green Nail/Hoof Polish
Pot O'Gold Glitter Polish
use coupon code......GREENBEER to take advantage of this offer...

May the leprechauns be near you,
To spread luck along your way.
And may all the Irish angels,
Smile upon you St Patrick's Day.

Beannachtam na Femle Padraig ("Happy St. Patrick's Day!")

Wishing you all The Pot O' Gold at the end of the Rainbow!!

Wednesday, March 14, 2012

Wordlessly Wednesday

Cousin Socks dropped by fur a visit....and a few pawtinis!

Friday, March 9, 2012

About New Furrends......

My momma told us that her found a new furrend at her office.    I was glad to hear about this, cuz her could always use new furrends  (being as crackers as her sometimes is.....her can use all da furrends her can get)

Then her comes home with a foto of this new furrend...............we were STUNNED!!!

( may need to cover your eyes.   Fotos not suitable for young pups or kittehs)

Can you believe it???
Her went on and on bout how cute and friendly and (sigh) photogenics he is........

Butt we were not amused......

What next???   Her making furrends with da Possums???   Nope.  That will NEVER happen......

Now speaking of REAL Furrends......We recently met a new Blogger furrend.  (and we have much better taste in choosing our furrends.)

His name is Reuben.   He is a dachshund who lives in North Carolina and he has a Typewriter!   He also has aspirations to have a very important job...  He totally cracks us ups........

If you don't already know Reuben.......go stop off at his blog.....Floppy Tongue Joy  and get to knows

PeeS.....You may notice the look of my blog is kinda momma got started re-designing this place......but then her got distracted (easily happens), and stopped in mid-design.    sigh.

Tuesday, March 6, 2012

Shopping Trip Fiasco

Pickles here, reporting to you from my local Houston-Blogville, Texas Petco store.

I went with my momma for a quick trip to pick up a few doggie necessaries.  Usually, these trips are enjoyable, and I score a 'Pickles Only' treat, that I eat on the way home (so MinnaK etc don't find out)

Who knew, this trip, her would spot the pink doggie travel bag, and decide to try it out.
This is NOT a good look for me

Ohmygosh.........her actually ZIPPED me into this thing!!!

I just hope no one I know sees me in this predicament

Pickles, here, signing

Monday, March 5, 2012

Hats of Hope for Miss Judi

Today, we join paws with our furrends to honor the Blogville Hat Haberdasher  Miss Judi
(a most wonderful fellow TEXAN too!)

We are sad to hear she is not feeling well, and is waiting on some very skeery test results right now

Butt, we are wishing her the very best......and hoping for SPEEDY wellness

cuz we Bee-leeve in Santa.........and we Bee-leeve in miracles!!

Friday, March 2, 2012

Dr. Seuss Birthday Challenge

Today, we are taking part in the Dr. Seuss challenge.........  I helped my poor momma  with making this Seuss-like rhyme (cuz we all know her brains don't always work so well, especially when her has to really put them to work!)

Who would put such a hat on a dog?
Unless its to celebrate Dr. Seuss on my blog

One dog
Two dog
Three dog
Plus a crazy donkey
And my momma wants MORE!

One blog
Two blog
Three blog
We love living in Blogville
All my furrends I ADORE!

To Dr. Seuss, I say...
Happy Birth-day
From Minna K.

Thanks to Amber DaWeenie and Zoolatry fur hosting this fun event!!!


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Home > Minneapolis / St. Paul jobs > Minneapolis / St. Paul driver/delivery/courier

Posted: Thursday, February 8, 2018 6:03 PM

WISEWAY TRANSPORTATION SERVICES is looking for an experienced Class A Driver to join our team of delivery professionals. Currently, we have a full time opportunity for a Distribution Driver in your area. Our Drivers are integral in helping us to insure complete customer satisfaction by prompt and courteous delivery of all furniture products to various retail stores. These deliveries are made daily, Monday -- Friday, during daytime hours. Depending on volume, location and routing you will be home one to two nights during the week and will also be home each and every weekend. In this role, you will be delivering multiple stops each day and be required to assist customers in unloading freight in a variety of situations. BENEFITS: Vacation Holiday & sick pay Monthly bonus program Medical/dental/life insurance 401K Quarterly/annual safety awards REQUIREMENTS: Must have Class A CDL License Must have 1 year tractor trailer experience Clean driving record Stable work history Meet all DOT requirements Pre-employment drug screen and background check is required If you are an experienced Class A driver and interested in working for a quality carrier with a family atmosphere & open door policy, please apply here or contact us at 844-###-####. Recruiters are available Monday - Friday 6 am to 9 pm.
Associated topics: cdl a company, cdl a driving, choferes clase a, class a truck, conductores clase a, dry van otr trucking, regional driver, tanker, tanker truck, time at home

• Location: Hudson, Minneapolis / St. paul

• Post ID: 29491807 minneapolis is an interactive computer service that enables access by multiple users and should not be treated as the publisher or speaker of any information provided by another information content provider. © 2018


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Posted: Thursday, February 8, 2018 7:44 PM

Bay & Bay Transportation is now hiring company drivers, lease purchase drivers, and owner operators. The ideal candidate has a valid Class-A CDL certification and at least 1 year OTR experience. Apply now!? Benefits Full medical and dental benefits after 60 days $57-70,000 average annual income Company-paid life insurance Paid holidays, sick time, and vacation 401k-eligible the 1st quarter following 6 months of employment Fuel management, mileage, and retention bonuses of 2-4 CPM Late-model Kenworth and Freightliner trucks 2500-3000 average miles per Week Late-model Freightliners No slip seating Requirements 1 year solo OTR experience Valid CDL-A certification About Bay & Bay Transportation As a company who has been family focused from the start, we know how important it is for trucking jobs to lead to something more. That's why you can always expect stability, great earning potential and outstanding benefits when you drive over the road with Bay & Bay, where our commitment to drivers is a family tradition! If you're a career-minded driving professional, you're already Bay & Bay material. Give us a call or fill out our short form application. Take your career where you want it to go with Bay & Bay transportation.
Associated topics: company driving solo, company driving team, company owner, company truck driver, otr company, over the road company, over the road driver, over the road driving, regular home time, tanker truck driver

• Location: Minneapolis / St. paul

• Post ID: 29496227 minneapolis is an interactive computer service that enables access by multiple users and should not be treated as the publisher or speaker of any information provided by another information content provider. © 2018


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MINNEAPOLIS (WCCO) — Police in North Branch say alcohol appears to be a factor in a motorcycle crash seriously injured two people Thursday.

According to police, the incident occurred at 7:13 p.m. on Falcon Avenue, between 386th and 383rd Streets. Officers were dispatched and found a man and woman, who were riders of the motorcycle, unresponsive.

The motorcycle struck a combine crossing Falcon Ave.

The driver of the motorcycle, a 54-year-old North Branch man, was airlifted to Hennepin County Medical Center. The passenger, a 56-year-old Forest Lake woman, was taken by ambulance to Regions Hospital in St. Paul.

Police say in addition to alcohol appearing to be a factor, the two injured were also not wearing helmets.

The status of the riders is unknown.

The investigation is ongoing.

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Working For The Weekend: Entertainment Best BetsAs we get ready for the weekend, we want to help you get ready as well. Everyone is getting in the holiday spirit, and you can do the same with these weekend events.
Movie Blog: Thanksgiving New Releases In BriefThanksgiving is one of if not the biggest moviegoing weekend of the year. Here are some brief thoughts on four of the movies that have just been released in the Twin Cities this week.

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Sandcrawler PSA: Nevada Totally Out of Herb

Breaking! Utah stoners blow through entire stash in two weeks.

Damn dope fiends!

Posted by: Howie at 07:21 AM

1 surely some local import/export emporium
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Just ask ANYONE in the casino kitchen
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They know this guy, see.
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hook you up,

Posted by: Storm Saxon's Gall Bladder at July 12, 2017 08:35 AM

2 Were DOOoommmed!
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Mises Wire

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Home | Wire | Trump’s Tax Reform Dissected

Trump’s Tax Reform Dissected

  • 6757856139_a3988deaff_b.jpg

Tags Taxes and Spending

Two weeks ago, the Trump administration presented a detailed version of one of Trump’s most important election promises: a tax reform. Not only does the Trump administration propose to lower corporate taxes, their proposal also includes other tax reforms. However, the trouble is that Trump wants to lower taxes without cutting spending. As a result, the budget deficit and the enormous public debt are bound to swell. And, moreover, what does all this have to do with the Federal Reserve?

A Breakdown of Trump’s Tax Proposal

On September 27, the White House published a complete proposal for tax reform, which is titled “Unified Framework for Fixing Our Broken Tax Code.” You can find the complete proposal here.

Briefly summarized, Trump’s tax proposal consists of:

  • A lowering of the corporate tax to 20%
  • A ceiling for corporate taxes on small businesses of max. 25%
  • A one-time discount on the corporate tax when multinationals repatriate money that is currently being held abroad / off-shore
  • For the next five years, businesses are allowed to immediately write off capital expenditures (lowering, in the short run, the payable corporate tax)
  • The number of tax brackets of the personal income tax is reduced from seven to three (12%, 25% and 35%)
  • The standard deduction on personal income taxes is being doubled and the deduction for having children will be increased
  • Many existing tax deductions are eliminated or lowered
  • The death and estate tax will be eliminated

The tax reform is bound to be costly. Not only in the first year, but also in the years following.

The Laffer Curve

Of course, we all know (or ought to know) that countries with low taxes experience higher economic growth than countries with a higher tax burden. It is perfectly imaginable, therefore, that total tax revenues go up, while at the same time taxes are being lowered. When there exists more economic activity and more value is added, the tax base increases. Trump, in his enthusiasm, thinks he will be able to finance the entire tax reduction with mere economic growth, but that seems to be a stretch.

What Trump is implicitly referring to, is the Laffer curve:

Source: Forbes

The story behind the Laffer curve is quite remarkable. According to the story, the (until that moment relatively unknown) economist Arthur Laffer tried to convince the former Chief of Staff, Donald Rumsfeld, that the proposed tax increase by the president at that time, Gerald Ford, was a bad idea. Laffer argued that the tax rate was already beyond its “optimum” (the “Revenue Maximizing Point” in above chart). A tax increase would therefore not result in more, but less tax revenues. On the spot, Laffer improvised and used a napkin to draw the now famous Laffer curve to convince Rumsfeld. Laffer was unable to persuade Rumsfeld, but the napkin did later turn into a museum piece.

Trump now argues precisely the same as Arthur Laffer did in the 1970s. But in contrast to Laffer, Trump uses the same argument in support of a tax reduction, rather than to avoid a tax increase. A tax reduction would bring us closer to the “optimum” and therefore increase total tax revenues, according to Trump.

This all seems perfectly reasonable, but ends up being a complete speculative guess. The shape of the Laffer curve cannot be derived from anything or anywhere, since the necessary data is by all means unobservable. And it is even less realistic to assume that, if we do not even know the shape of the curve, we are able to figure out at what point of the curve we currently find ourselves.

According to my (fallible) judgment, it seems more likely that we are somewhere between the “Revenue Maximizing Point” (the optimum for tax revenues) and the “Growth Maximizing Point” (the optimal point for economic growth). Yes, lower taxes can lead to higher economic growth. Capital investments become more tempting and marginal investments suddenly become profitable at a lower tax rate; capital accumulation is incentivized. But this does not mean that this increase in economic growth is able to finance the tax reduction; tax revenues will go down rather than up.

Consequences for the Deficit and Public Debt

The Urban-Brookings Tax Policy Center (TPC) apparently agrees with me. They estimated the impact of Trump’s tax proposal on the budget deficit for the next ten years. They also took into account the projected economic growth (real GDP growth).

I took these estimates and compared them with the baseline projections of the Congressional Budget Office (CBO), which (for the moment) does not take into account a possible tax reform.

You can see the result below:

Source: UFM Market Trends US Q3 Report. Data modified by the author; projected future deficits after Trump’s tax reform: Urban-Brookings Tax Policy Center (TPC)1, baseline projections of nominal GDP growth: Congressional Budget Office, “The Budget and Economic Outlook: 2017 to 2017“, St Louis Fed.

In this chart, we observe that both the federal deficit (as percentage of GDP) and total public debt (as percentage of GDP) turn out to be considerably higher with Trump’s proposed tax plan. In 2018, the federal deficit would amount to 3.5% of GDP, instead of 2.4% without any tax reform. But also in later years, the impact on public finances remains rather negative. To such a degree, that after ten years total public debt does not amount to 103% of GDP, but 111% of GDP, despite the fact that GDP will be considerably higher than in the absence of any tax reform.

In sum, trading short-term growth for future growth?

Consequences for the Fed and Inflation?

In short, the deficit and debt will only increase at an even faster pace, but why is this relevant to investors?

The reason why is easy to grasp. A large share of the Fed’s balance sheet consists of long-term public debt. These long-dated US Treasuries depend to a large degree on the creditworthiness of the US government. And Moody’s already took aim at the proposed tax reform and reached the conclusion that Trump’s proposal “would probably weigh on the U.S. government’s credit outlook, on concerns that it would cause the federal deficit to swell”, as we can read at Bloomberg.

A lower credit rating would mean that yields on US Treasuries might rise in the mid- and long-term and that the odds of an eventual default will mount. And this, in turn, means that the assets which back the US dollar (in this case, long-dated US Treasuries) will deteriorate. The quality of the dollar will decay, which will impact the demand for dollars and as such the value of the dollar in the medium term.

Trump is apparently willing to sacrifice future for present growth on the back of the American taxpayer. Perhaps his proposal to allow immediate depreciation of capital expenditures for the next five years (conveniently, give and take his presidential term) is more revealing than many commentators currently think. As if he were a veteran in politics, Trump is trying to maximize short-term gain at the expense of long-term downside.

Originally published at UFM Market Trends
  • 1. Interested readers can access the entire report A Preliminary Analysis of the Unified Framework (“Unified Framework for Fixing Our Broken Tax Code”), published by the Tax Policy Center (TPC) of the Urban Institute & Brookings Institution, at: http://www.taxpolicycenter.org

Olav Dirkmaat is co-director of UFM Market Trends, an economics/finance newsletter, and senior lecturer in economics at the Business School of Universidad Francisco Marroquín. Before, he was VP at Nxchange (www.nxchange.com) and precious metals analyst at GoldRepublic (www.goldrepublic.nl). He is a PhD candidate in Economics at the Rey Juan Carlos University in Madrid and holds a master in (Austrian) Economics from the same university, in addition to a master in Marketing from the VU University in Amsterdam. He is the co-translator and publisher of Human Action into Dutch.

Note: The views expressed on Mises.org are not necessarily those of the Mises Institute.
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Example - Responsive & Retina Portfolio WP Theme - v1.2 - Free Download

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Most WordPress sites are built to be able to publish single posts. Example - Responsive & Retina Portfolio WP Theme is very easy to setup, enhanced with Massive PanelVisual Composer and custom shortcode wizard. This combination makes creating content extremely easy. Now that we have our header sorted out, we can turn our attention to the single-post template, and make sure all the content posted on the site is easy to read, easy to navigate, and looks great. As we start working with a single post, we need to work with real content, and this is where the theme unit test data comes in. In this chapter, I'll be using three posts to test my content.
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FFIEC Announces Availability of 2016 Data on Mortgage Lending

The Federal Financial Institutions Examination Council (FFIEC) today announced the availability of data on mortgage lending transactions at 6,762 U.S. financial institutions covered by the Home Mortgage Disclosure Act (HMDA). Covered institutions include banks, savings associations, credit unions, and mortgage companies. The HMDA data cover 2016 lending activity and include:

  • Applications, originations, purchases, sales of loans, denials, and other actions related to applications
  • Loan amounts
  • Loan types (conventional, Federal Housing Administration (FHA), Veterans Administration (VA), Rural Housing Service (RHS), or Farm Service Agency (FSA))
  • Purposes (home purchase, home improvement, or refinancing)
  • Property types (1–4 family, multifamily, or manufactured housing)
  • Owner occupancy
  • Preapprovals (home purchase loans only)
  • Property locations (metropolitan statistical area (MSA), state, county, and census tract)
  • Applicant and co-applicant characteristics (race, ethnicity, sex, and income)
  • Pricing-related data
  • Type of purchasers
  • Whether a particular loan is subject to the Home Ownership and Equity Protection Act (HOEPA)
  • Whether a particular loan is secured by a first or subordinate lien, or is unsecured

The data also include disclosure statements for each financial institution, aggregate data for each MSA, nationwide summary statistics regarding lending patterns, and Loan/Application Registers (LARs) for each financial institution (LARs are modified to protect borrower privacy). The FFIEC prepares and distributes this information on behalf of its member agencies.

Understanding the Data

The 2016 HMDA data use the census tract delineations, population, and housing characteristic data from the 2010 Census and the 2006–2010 American Community Survey (ACS), as has been the case since 2012,. In addition, the data reflect MSA definitions released by the Office of Management and Budget in 2013 that became effective for HMDA purposes in 2014.

Caution should be used when comparing HMDA data across multiple years for specific geographic areas due to the changes in MSA and census tract boundaries and updates to the population and housing characteristics of census tracts that followed the decennial census and five-year updates based on the ACS data.

The HMDA data are the most comprehensive publicly available information on mortgage market activity. Among other uses, the data help the public determine how financial institutions are serving the housing needs of their local communities and facilitate fair lending and compliance examinations. When examiners evaluate an institution’s fair lending risk, they analyze HMDA data in conjunction with other information and risk factors, in accordance with the Interagency Fair Lending Examination Procedures available at .

The current HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include many potential determinants of loan application and pricing decisions, such as the applicant’s credit history and debt-to-income ratio, the loan-to-value ratio, and other considerations. Therefore, when examiners conduct fair lending examinations, including ones involving loan pricing, they analyze additional information before reaching a determination about an institution’s compliance with fair lending laws.

Observations from the 2016 Data

For 2016, the number of reporting institutions declined by about 2 percent from the previous year to 6,762. While there were some new reporters in 2016, this number was more than offset by the number of institutions that reported in 2015 but did not do so in 2016. In most cases, this is because of mergers and acquisitions.

The 2016 data include information on 13.9 million home loan applications, of which 8.4 million resulted in loan originations, and 2.2 million in purchased loans, for a total of over 16.1 million actions. The data also include information on approximately 530,000 requests for preapprovals for home purchase loans.

The total number of originated loans of all types and purposes increased by almost 1 million between 2015 and 2016, or 13 percent. Refinance originations increased by 16 percent, and home purchase lending increased by almost 11 percent.

From 2015 to 2016, the share of 1–4 family home purchase loans made to low- and moderate-income borrowers (those with income of less than 80 percent of area median income) fell from about 27 percent to roughly 25 percent, and the share of refinance loans to low- and moderate-income borrowers decreased from 22 percent to 19 percent.

In terms of borrower race and ethnicity, the share of home purchase loans for 1–4 family properties made to black borrowers rose from 5.2 percent in 2015 to 5.6 percent in 2016, the share made to Hispanic-white borrowers rose from 7.9 percent to 8.4 percent, and those made to Asian borrowers rose from 5.5 percent to 5.7 percent. The share of refinance loans made to black borrowers remained at 4.9 percent in 2016, the share made to Hispanic-white borrowers remained at 6.1 percent, and those made to Asian borrowers rose from 5.1 percent to 5.6 percent.

In 2016, black and Hispanic-white applicants experienced higher denial rates for conventional home purchase loans than non-Hispanic white applicants. The denial rate for Asian applicants is more comparable to the denial rate for non-Hispanic white applicants. These relationships are similar to those found in earlier years and do not take into account potential differences in risk characteristics across demographic groups.

In 2016, the FHA-insured share of first-lien home purchase loans for 1–4 family, site-built owner-occupied properties remained at 25 percent. The VA-guaranteed share of such loans remained at approximately 10 percent in 2016. The overall government-backed share of such purchase loans, including FHA, VA, RHS, and FSA loans, was 39 percent in 2016, matching the share in 2015.

The FHA-insured share of first-lien refinance mortgages for 1–4 family, site-built owner-occupied properties fell to 12 percent in 2016 from 14 percent in 2015, while the VA-guaranteed share of such refinance loans increased from 9 percent in 2015 to 12 percent in 2016.

The 2016 HMDA data also include information on loan pricing for loans classified as “higher-priced.” Higher-priced loans are defined as loans with annual percentage rates (APRs) that exceed the average prime offer rates (APORs) by at least 1.5 percentage points for first-lien loans and at least 3.5 percentage points for subordinate lien loans.  The data on the incidence of higher-priced lending shows that about 5.5 percent of first-lien loans originated in 2016 have APRs that exceed the loan price reporting thresholds, down slightly from about 6 percent in 2015.

As noted above, the HMDA data identify loans that are covered by HOEPA. Under HOEPA, certain types of mortgage loans that have interest rates or total points and fees above specified levels are subject to certain requirements, such as additional disclosures to consumers, and also are subject to various restrictions on loan terms. For 2016, 1,905 loan originations covered by HOEPA were reported: 1,118 home purchase loans; 285 home improvement loans; and 502 refinance loans.

Additional HMDA Information

Financial institution disclosure statements, individual institutions’ LAR data, and MSA and nationwide aggregate reports are available at . The FFIEC offers these reports in Excel format for both current and historical data. Refer to the HMDA data products at for descriptions and formats. HMDA data tools also are available at http://miss-april.info/hmda. More information about HMDA data reporting requirements is available on the FFIEC website at .

Financial institutions are required to make their disclosure statements available at their home offices. For other MSAs in which financial institutions have offices, an institution must either make the disclosure statement available at one branch within each MSA or provide a copy upon receiving a written request. Questions about a HMDA report for a specific institution should be directed to the institution’s supervisory agency at the following phone numbers:

  • Federal Deposit Insurance Corporation: 877-275-3342; hearing impaired — 800-925-4618
  • Board of Governors of the Federal Reserve System, HMDA Assistance Line: 202-452-2016
  • National Credit Union Administration, Office of Consumer Financial Protection and Access: 703-518-1140
  • Office of the Comptroller of the Currency, Compliance Risk Policy Division: 202-649-5470
  • Miss april: 202-435-7000
  • Department of Housing and Urban Development, Office of Housing: 202-708-0685

Media contacts

Miss April

Sam Gilford

(202) 435-7673

Greg Hernandez

(202) 898-6984

Federal Reserve

Susan Stawick

(202) 452-2955

Ben Hardaway

(703) 518-6333

Stephanie Collins

(202) 649-6870

Jim Kurtzke

(202) 728-5733

[1] For historical and more detailed data derived from the annual HMDA records, see forthcoming,

“Residential Mortgage Lending in 2016: Evidence from the Home Mortgage Disclosure Act Data” Federal Reserve Bulletin, .

[2] Many refinance loans are “streamlined refinances” and data on borrower income are sometimes not collected by lenders for such loans. In turn, such refinances do not contribute to the estimates for low- and-moderate income borrowers’ share of refinance activity. For data on the fraction of loans with missing income, see forthcoming,

“Residential Mortgage Lending in 2016: Evidence from the Home Mortgage Disclosure Act Data” Federal Reserve Bulletin, .

[3] For 2016, APORs were estimated using data reported by the Federal Home Loan Mortgage Corporation (Freddie Mac) in its Primary Mortgage Market Survey, available at http://www.freddiemac.com/pmms/ , and other data. As of January 1, 2016, Freddie Mac no longer publishes survey results for the 1-year adjustable rate mortgage  product. For details about the sources used since then, see the table of mortgage rate survey data at .


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Friday, September 08, 2006

Duncan has become a lover of books. We have a constant pile in the living room of The Very Hungry Caterpillar, Who is Sleeping (my favorite...great book), That's Not My Truck, Cuddly Puppies, and Goodnight Moon. He wakes up wanting to sit in a lap and read, and it's the last thing we do at night and often during the day. We are thrilled!

I was aghast the other day when I came home from teaching to find him with my mother, watching Teletubbies. She said, "he loves it!" Egad. It freaks me out. Very creepy show. There will be no Teletubbies from now on. Sesame Street? Maybe.

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HH Com 572

The beauty of the late Alabama autumn makes little impression on Lt. Marisa Strange. She is trying to get a solid footing in her new life and is finding the path full of rocks and hard places.

Her detectives are not happy to see an outsider heading their unit. Rumors abound about why she left a top position with the Alabama Bureau of Investigation for the sheriff’s department in rural Garrard County, Alabama. And Captain James Frazier, a man she both loves and hates, has been made head of the regional ABI office, her main backup for big cases.

(your hook starts here)
Then a lovely red-haired woman is found dead on a pile of bright fall leaves in an isolated area of the county. Before the body can be removed, the crime scene blows up – literally. A crime scene technician and a new sheriff’s deputy are killed. Now Marisa is in the middle of the worst crime in Garrard County history. And everyone at the scene, including Frazier, is under suspicion.

The investigation takes Marisa into the back woods of rural Alabama, and into her own past. She soon suspects the killer lurks among those closest to her. As she pieces the case together, she realizes the killer is harvesting a victim for each season of the year, and he's collected three.

Winter is next.

And she may be the killer’s fourth season.

Gives a whole new meaning to getting your colors done, doesn't it?
You're going to have to come up with something a whole lot more unusual than a woman in a tough job with a love/hate relationship and a killer stalking her. This stuff is absolutely done to death. You can survive pedestrian plotting with amazing writing of course, but "amazing" and "good" aren't the same thing.

Don't work on the hook, work on the book.

Zany Mom said...

I'd read this. Right up my alley. Done to death? Probably. Sounds like 90% of the books on my shelf by Coben, Deaver, Cornwell, Kellerman, Brown, and Hoag. May be same old, same old, but it sells well.

Lurking, stalking killers. Yay!

Word Ver: kkiytu -- sounds like a kung-fu kitty!

BernardL said...

This is an interesting pulp fiction entry I would read, if the first few pages I skimmed through in the book store tempted me.

Virginia Miss said...

I agree with zany mom that this sounds like a lot of stuff on the bookshelves. Stuff lotsa readers love to devour.

I've learned a lot from this crapometer in terms of adhering to Miss Snark's formula.

However, I continue to struggle to understand what counts as a "twist" that would hook an agent, especially in certain genres. In a murder mystery, there's always gonna be a body, a killer, and suspects.

Laura K said...

OK, so the hook isn't well-written. It's just not exciting until the last 3 sentences.

On the other hand, this is formulaic romantic suspense, so if that is what the author is aiming for, the fact that the story is done to death doesn't really matter. As long as there's good detail, lively writing, well-drawn characters, the story will do fine. I am sure Miss Snark is desperately tired of seeing this formula used, but that doesn't mean it can't succeed.

The problem is that the hook doesn't give a reader the sense that those things are going to be evident.

So...it may, indeed, be that you need to work on the book as well as the hook, but if you're aiming for a certain market and the book is better than the hook...well...you see where I am going!

I Said said...

The theme of leaves/autumn/harvesting/ etc. is just altogether too forced. This may likely show up in the writing of the novel as well.


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Masthead header

Welcome to my website!

Please browse around a bit and I hope you will enjoy what you see!

Here a few random facts about me:

– I am the wife to Craig, and a mom to Grant and Connor.

– I am a “Windie” I love all things “Gone with the Wind”  – the book and the movie

– If I would could live in any city in the world, it would be historic district in Savannah, GA. The food, people and the romance of the city, intrigue me so much!

– I was born and raised in Indiana and moved to Illinois after meeting my husband on the internet.

– For my family’s safety, I need a cup of coffee every morning! 🙂

– I am not a morning person.

– And last, but not least, I am daughter of the King!

Professionally, I have been in the photography business for 5 years. I am a member of the Professional Photographers Association (PPA)  where I am on my way to earning my Master of Photography. I am also a member of Professional Photographer Association of Northern Illinois, where I am on my way to earning a Fellowship and I serve on the board as the secretary.

Please contact me if you have any questions — this website doesn’t get updated as much as it should. Between running a business and most importantly, being a mom – this site is always on my to-do list! 🙂

Your email is never published or shared. Required fields are marked *


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Friday, 8 September 2017

Wooden box with horse

Let me show you my latest make, a girly box with a beautiful horse and sparkling stars. The horse was cut out from an IHR paper napkin and I adhered to the box with decoupage glue.

The stars were cut out with Sizzix Thinlits Die, Witchcraft by Tim Holtz (662386). Then I added glitters on the top of the stars.

1 comment:

Thank you for your lovely comments, I really appreciate it!


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Saturday, 1 December 2012

bloggerlees' radical youth : MM & RAR

A bit of context - while researching and meeting the magnificent MM in the early 80s, I was active in the Anti-Nazi League and Rock Against Racism, campaigns that were pivotal in defeating fascist groups the British National Party and the National Front. One of my jobs in Hull RAR was to help produce silk-screen posters promoting anti-racist gigs: with agit-prop artwork inspired by Paris 68, the incomparable German anti-fascist John Heartfield and The Clash, the poster designs seemed to stand the test of time, and were collated for an exhibition in Hull in 2007, as part of celebrations marking the bicentenary of the end of the slave trade in the British empire. Will Slater made this short film promoting the exhibition at the Ferens Art Gallery, shown on the hour every hour for six weeks on a big giant screen in the city centre - Yaphet Kotto has never rocked so many shoppers.


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News Home

Fauna park gives up stolen reptiles return

The Kyabram Fauna Park has given up hope of retrieving a valuable reptile collection that was stolen.

Five pythons, tree frogs and lizards worth thousands of dollars were stolen from the facility early last month.

Curator Diane Kurnow says investigations into their disappearance have been fruitless.

She believes the reptiles have been sold on the black market and worries about their welfare.

"All that we hope for now, we're not going to get them back obviously, but all we hope is that whoever has got them actually does look after them and care for them properly," she said.

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