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Monthly Archives: December 2012

Down time

I saw two guys this morning, sitting on a loading dock behind a grocery store. It is cold this morning in Tallahassee. Their breath rose from laughing faces, protected deep within hoodies pulled forward against the wind, white aprons fluttering. I saw this scene in my periphery as I turned onto Lafayette street. The sun was breaking across their cardboard desk, and one of them tapped the ash off of a cigarette. Before that ash could flutter into the parking lot I was transported back to all of the places where I did not work when I was working.

At the Mar Vista Dockside Restaurant we called it “Lopez” as in, “Meet me at Lopez in 5, I just need to drop off these Mudslides.” Lopez was where the broken chairs would go, still serviceable, but unfit for the general public. A wooden slat fence separated Lopez from the restaurant deck on the bay, where tourists sat disappointed over sweaty grouper sandwiches, cold french fries, and a million dollar view. At Lopez, a server could smoke a cigarette and spy on their tables. Dishwashers could bum cigarettes from servers, and managers could tell everyone to get back to work before smoking a cigarette. A Great White Egret we called “Guapo” served as the bailiff at Lopez, and he worked for leftover calamari and sweet tea-soaked lemons.

At Little Baja, the NW UNITED STATES LARGEST TERRA COTTA IMPORTER we had two places. On rainy, cold Portland days we would sit in a 15 ft. travel trailer around a space heater, playing chess and thinking murderous thoughts about customers who summoned us out to dicker over the price of a cracked chimenea. On sunny days, we sat in a private Shangri-la hidden within a maze of strawberry pots where smoke could waft and dissipate through a thousand cupped holes before mingling with the Burnside air. They still use a slogan I coined, “WE GOTTA LOTTA TERRA COTTA.” I never see a royalty check.

At the Tallahassee Rock Gym it was all down time, but at sunset we would step outside to lean on the rail and watch the colors spread over the oaks beyond the train tracks of Railroad Square. We had a worn-out hoop in the corner of the parking lot and there really wasn’t much to keep us inside monitoring the boulderers and nose-picking children instead of playing a heads-up, elbowing round of every man for himself twenty-one.

In Barcelona, I took breaks between explaining the difference between “make” and “do” to drink wine and eat tortilla de patata at a place across the street called Bar Michigan. They liked me. I believe they thought I legitimized their American bent. I never told them I was from the South, and had never been to Michigan.

The longer you go without pushing the words out the more they get impacted in your mind. With all of the cheese and yeast bread consumed over the holidays thoughts get sluggish and it takes more effort to plop out a healthy sentence or two.

Exercise helps promote a robust flow of buoyant vocabulary that effortlessly floats onto the page.

I am thankful for a reunion ride yesterday that got three of us out and churning up the hills of the Miccosukee Greenway. To be riding at all was enough to stir movement in my thoughts.

Happy Holidays

No writing means no riding, as the two are, for me, a self-sustaining perpetual motion machine. the holidays are just tough, and although we had just the right amount of Christmas, the whole season is a careening asteroid bent on destruction of the normal and healthy routines that keep us balanced and well. There is really no solution, just endure and survive.

This little scribble is a step in the right direction.

My paternal grandfather, Ollie, whom I called Papa, lived in a little enclave of a trailer park for all the years I remember. It was a community on a little lake, with a pavilion where people gathered to fry bluegill, crappies, and bass the residents caught as they enjoyed their retirement. Papa was an anchor in that park for a lot of people, so I remember him driving friends to the doctor, fixing lawn mowers, and generally holding court on his front porch where he sat on a slider, legs crossed and usually smiling. I remember him as a happy guy, clever with his words and hands.

His part-time job in that park was taming squirrels, who would one by one learn to trust him and take peanuts from his fingers. When he sat out on the patio, the squirrels would gather about the edges behind ficus trees and hanging ferns, twitching their tails and sniffing in anticipation. The park, the squirrels, My papa, and his frost-blue Buick all lived under a dome of oaks and tall pines.

I think this is one of the reasons I love Munson Hills so much. It smells like I remember Charlie Oaks Trailer Court smelling. The squirrels that live out there are mythic in size, equal parts bold and elusive. Big bull grey fox squirrels– as big as cats- rule alongside the Pileated Woodpeckers who coast between the trees. Last Sunday I got to ride out there with a long-time friend who moved on from Leon County to greater things. His name is Mel, but that is not his real name of course. There are no bike trails in Singapore, where he lives today, and yet he rode like it was 1991 when he was known for pedaling hours beyond the rest of us, and into neighborhoods and land we never saw.

The Big Greys were either out in force, or one was following me, as I sighted at least five in our 8 mile cruise. I stopped at one point, dumbfounded at the nonchalance of one particular squirrel stallion, shimmering black stripe down his back, with grey wispy sideburns. He rooted and picked over acorns not 20 feet away. I whistled a long, low note and he spun to face me. “Hey old squirrel!” I said, and my words echoed back off the packed needle floor. He wandered a little further off as Mel approached to find me standing in the trail, resting on the bars. “Are we almost done?” he asked, ready to put this ceremonial roll in the books.

“Yeah, just one last little hill that goes a bit further than expected, and we’re out of here. “No reason to hold back, so just charge it and get yourself good and winded.”

I wanted a picture of that squirrel so bad, but he wouldn’t stand still and I’m no photographer. More often than not, as I’m slowly learning to get used to it, you just have to appreciate that you were there for the moment at all.

“Not so the wicked! They are like chaff that the wind blows away”.

When I was a breakdancer (1985-2001) there were a few moves that separated the players from the haters. First there was the windmill, and later, the flare. There was no getting around it, these were compulsory skills if you hoped to compete. I practiced the windmill for hundreds of hours. I had a permanent bruise on my right hip for my entire sophomore year of high school. By my junior year I could take flight. Now, at 42 years-old I can still feel the allure of dropping a hand to the floor and launching my legs into the air- letting the centrifugal force carry me over from chest to shoulders until the momentum takes over like a perpetual motion machine, which is when you can let go and grab your crotch like the real pros.

The flare, borrowed from gymnastics, is responsible for ending my career. The same stout, squat thighs that distribute pain throughout the peloton now betrayed me back in those days. I was forced to accept retirement and hang up my sneakers.

The slam dunk. The ollie. The wheelie. The curve ball. the back flip. What else?

There comes a time with all pursuits when you are confronted with your limitations or your growing edge. It takes a while to find out which it is, and often there is pain involved.

I watch Huck Shins drop a double flight of stairs, narrowly avoiding crushing his head on a concrete berm, and laying sparks across the corridor from his chain ring kissing the corner of a step. In spite of those dramatics, his performance was exhilarating to watch, but I was never truly worried. In contrast, when I watched Tommy Torso line up form a jump on the Cadillac trail I knew it was a bad idea, failed to stop him, and watched him swim through the air and popcorn down the trail before coming to rest with a bone poking up beneath the skin of his shoulder. He met his growing edge, or his limitation it would seem.

These are hard moments and bitter lessons.

I once wanted to be an artist, but drawing the human hand proved too much. I play some guitar, but scales confound me. I may get a little air, but I’m happiest with both tires on the trail.

The rarefied air may be sweetest, but the air is pretty savory just beneath it.

This story finds the writer walking up and down the block with a zip-loc sandwich bag full of water. In the other hand is a leash. At the end of this leash is a diminutive dog, an apricot poodle-cocker-spaniel mixed breed, commonly known as a poodie-cock.

The writer is menacing the poodie-cock with the zip-locked baggie of water, this water-bomb. The writer has no opportunity to explain this to approaching walkers, who are pressed into service as necessary distractions. The walkers approach. The poodie-cock coils to unleash a withering bark, but a-ha! Pre-empted by the writer with a swift trebucheting of the shoulder the baggie explodes on the pavement next to the dog and the writer utters his disapproval with a gravelly, ominous baaaaaaaaa!

Just days prior to this moment the writer was pedaling a bicycle furiously across lands known and unknown, absolutely crushing the pedals towards the earth when this same baaaaaaaaaaa! escaped his lungs in a wheezing deflation like a piano falling to the earth, or a water buffalo felled by a bullet. Then all went quiet. The writer gazed up into trees, now in light fall colors, beset by a sprinkling of stars or flashes of light sprinkle-sparkling around his vision as though he were wearing goggles and swimming in a bio-luminescent tide. Toes move, then ankles, knees, hips- Oooo the hip! Then tender ribs accordion a breath and bloody elbows prop the writer prone, a thread of drool descends to the cinnamon dust and lifts again as the wheezing writer regains his senses.

The world is so quiet and calm after a crash, like a period on the end of a rambling run-on sentence that just doesn’t know when to quit, constantly striving to include one more appositive phrase, which is a description of something already named when you get right down to it, but before the writer attempts to stand he thinks about that apricot dog, and the baggies of water, and of winning the battle for control of the pack.

He brushes himself off, mounts the bicycle again (he is still so far from home) and considers the possibility of writing of himself in the third person, knowing that it is an eye-rollingly dull gambit, but useful and fun all the same.


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Leading Lady 423 "Baby Sees It" Cotton Wirefree Bra NOW 10% OFF

Special Features: The feature of the "Baby Sees It" patented pattern has been around for several years in a variety of styles. This time the new design is in a softcup. The printed inner sling visually stimulates baby while nursing. The invisible inner seam prevents irritation to the nipples and the wide, cushioned straps provide shoulder comfort. A lot of styles have gone to the quick clips but this 3-step drop cup accommodates changing breast size! The straps are adjustable in the back. It is also latex free!
Fabric Content: Cup/Straps: 100% Cotton. Sling/Back: 93% Cotton, 7% Spandex
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Alumni ID

The BISU Alumni Card serves as membership identification to the alumni community. Details on the application process (walk-in and online)are listed below:

New Application

  1. Proceed to the Alumni Office for verification of status and accomplishment of card application form.
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  1. Download the form and fill it up.
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$100,000 Fellowship For Medgar Evers Math Whiz

-A +A

Math whiz Andre Braddy

Commencement 2014 may be weeks away for Medgar Evers College (MEC), but one recent graduate is celebrating a major accomplishment, today.

Mathematics major Andre Braddy has been awarded a $100,000 fellowship from Math for America (MfA) for agreeing to serve as a New York City public school teacher while furthering his own studies.

The funds will be paid out over five years, as a stipend, in addition to Andre’s New York City, Department of Education salary.  MfA will also pay Andre’s tuition costs as he pursues a Master’s in Education from the City University of New York’s (CUNY) City College of New York.  Andre is one of only four CUNY students selected to receive this tremendous honor.

“When I found out, I was elated.  I felt like I finally had reached that place in my life where I wanted to be and I have the necessary resources to push myself further and give back to the next generation,” Andre stated.  “I want to give back what was instilled in me and helped me get to where I am, today,” he continued.

“Congratulations to Mr. Braddy for this great honor.  This is the kind of opportunity that could truly change the trajectory of this young man’s life.  He’ll be able to launch his career, have a comfortable financial start as a professional and receive a free, high-quality graduate education.  I wish him nothing but the best and I hope that his story will inspire other students to explore all possibilities as they pursue their goals,” said Rudolph F. Crew, president of Medgar Evers College.

Andre is a great testament not only to the amazing work students are doing at Medgar Evers College, but also to the great work faculty are engaging in with students.  MEC’s School of Science, Health & Technology, housed in a $247 million state-of-the-art facility, exposes students to a wealth of opportunities that many might not have experienced elsewhere.

This past fall, a team of MEC students and their professors launched their work into low-earth orbit on a NASA Atlas V Rocket – the first such launch for CUNY’s CUNYSAT nanosatellite program.

The MfA NY Fellowship is a five-year program in which recent college graduates and mid-career professionals make a commitment to teach math in New York City public secondary schools.

How the Program Works.

Year One: MfA NY Fellows prepare to become a public secondary school math teacher.

Full-tuition scholarship for a master’s degree in Secondary Mathematics Education especially designed for MfA Fellows at the City University of New York (CUNY) school, the City College of New York. $40,000 stipend.

Years Two through Five: MfA NY Fellows find a full-time position and teach mathematics in a public secondary school in New York City, attend monthly professional development workshops at MfA and work with an advisor. $60,000 in stipends over four years, in addition to New York City’s competitive teaching salary.

[] Job search support, including assistance from MfA in identifying schools, reviewing Fellows’ resumes and providing job opportunities through the MfA online community

[] Mentoring from MfA New Teacher Advisors who visit Fellows on a regular basis in and outside of their classrooms and offer guidance and support

[] Participation in MfA NY corps activities and professional development workshops

[] Support and funding for national and local math and education conference attendance and participation

This year’s commencement promises to be an inspiring event as we celebrate the accomplishments of all of our graduates, many of whom are the first in their families to earn a degree of higher learning.

The 2014 keynote speaker is Michael Eric Dyson.

For more information about MEC’s Commencement, visit www.mec.cuny.edu/commencement.aspx

Also Check Out...

Interfaith Leaders Confront World


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Kvietimas į N. Zelandiją

Hi Everyone,

There are only 108 days until the BIG event!

As you should already know, the inaugural World blokart Championships are being held at the home of blokart, blokart Heaven Papamoa, New Zealand!

Entries are limited to the first 150 paid up competitors, so if you are keen pre-register and then get your Entry Form away as soon as possible (93 have already pre-registered with 37 of these have secured their position by returning their entry form and payment).

If you haven't received a copy of the Entry Form, lost or missed placed it:), you can now download one at http://www.blokart.com/events/worlds/blokart_open_info.php. I encourage you to email the link to anyone you know with a blokart (or has talked about getting one). You can check out who has registered on the "competitors" tab.

This is going to be a fantastic six days and nights of world-class racing and off-track fun. Join competitors from around the globe and enjoy food and drinks at the welcome bbq on Sunday afternoon and the fully catered, off-site celebration function on the Friday night provided in their entry fee, and a get an event t-shirt. Register and go in the draw to win a 2008 Sport 4.0 and very impressive spot prizes. Get your entry in before 1 August and also go in the draw for some fantastic blokart performance products! And if you are a First-place-getters you will walk away with a custom POD, as well as the title of WORLD CHAMPION and the trophy to prove it.

An enlarged dialup area and additional track will make for exciting racing for everyone, and a real showcase for close-curcuit blokart racing.

Seize the opportunity to be part of the inaugural WORLD BLOKART CHAMPIONSHIPS. Don’t wish you had:)!

It is going to be the biggest blokart event on the planet!

We would love to see you there,

Peter Ronalds

Event Coordinator

Populiarūs įrašai


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Publisher: Harper Collins Paperback
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Book Summary of LAST PLAYBOY PB

A scandalous story of money, drugs, fast cars, high politics, lowly crime, hundreds of beautiful woman and one man, Porfirio Rubirosa from the celebrated author of RAT PACK CONFIDENTIAL.

Details of Book: LAST PLAYBOY PB (BSID:101685)

Author Shawn Levy
ISBN 0007171072
ISBN-13 9780007171071, 978-0007171071
Binding print on demand (paperback)
Publisher Harper Collins Paperback
Publishing Date 2006
Number of Pages 368
Language English
Dimensions 5.08 x 7.8 x 0.75 inches
Weight 361 grams

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Louise August 31, 2013 review from Goodreads

Imagine? He fills your room with flowers. He changes his hotel room to be next to yours to "feel you through the walls." Maybe he sends a limo and escort to take you shopping for something special to wear for dinner. He's a great dancer. He's dashing on a horse or in a race car. The impeccable ma...

Peter April 29, 2013 review from Goodreads

Ah, the life of a woman-chasing, polo-playing, fast-driving, nightclubbing, high-styled man of leisure ain't what it used to be. An absorbing biography of a man who was once famous and has slipped from public consciousness, this is not only a commentary on the vagaries of popularity but of the cu...

Sarah January 02, 2008 review from Goodreads

This book was both reassuring and scary in some ways. It was reassuring to know that being famous for being famous was nothing new. Porfirio Rubirosa was very famous in his time although he never had a real job or a real purpose. On the other hand, he is almost completely forgotten now, 43 years...

Margaret June 02, 2013 review from Goodreads

Biography of Porfirio Rubirosa, famous fifties playboy, married at one time or another to Barbara Hutton, Doris Duke, and various other rich or famous women. His first wife, Flor de Oro Trujillo, daughter of the Dominican dictator, effectively launched him on his career as a diplomat but mostly a...

Jeff June 29, 2011 review from Goodreads

Rubi is one of those people who seemed to pop up here and there in other books I would read, then I saw this on the shelf while browsing and picked it up. This was the nice, fairly trashy read I was in the mood for. The book's tone is similar to the more lurid Howard Hughes books I've read. And y...

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Club Sponsorship by Capstone Financial Management

It is with great pleasure that we can announce that Capstone Financial Management are to provide an ongoing level of sponsorship for the club.

To inaugurate this, Capstone recently hosted free of charge a financial management presentation for interested members at Glossop Cricket Club. This was very well received by the members attending.

The club is very pleased to be make this announcement and is looking forward to a mutually beneficial period of cooperation with Capstone over the coming seasons.

Glossop Office
93 High Street West
SK13 8BB

Tel: 01457 601 608

2017 AGM Minutes

The club AGM was held on 6th November 2017.  Details of Officers, Greenkeepers, Captains and Vice Captains for 2018 are detailed below:-

Election of Officers and volunteers
President and Chairman – N Linsky
Treasurer – D Howell
Secretary – B Buckland
Minutes Secretary – M Hargreaves
Membership Secretary – D Howell
Auditor – S Linsky
Website admin – N Linsky
Club Outing and uniform – B Taylor
Club keys – H Prady

B Buckland, J Favell, N Linsky, B Clayton, W Smith, F Winder, M Coombes

Election of Club Captains and Vice-Captains
Stockport Pairs – B Buckland (c)
High Peak Mixed Pairs  –  B Taylor (c)  H Prady (vc)
Tameside Ladies – E Coombes (c)  S Linsky (vc)
Tameside Men – M Coombes (c) W Smith  (vc)
North Derbyshire – K Charlton (c)  B Buckland (vc)
Longdendale – W Smith (c)

Click here to download a copy of the minutes of the meeting.

Thanks Stan!

Stan_PerkinsAfter 4 years as club Secretary it’s time to say goodbye to Stan Perkins whose leaving the club to spend more time with his family in Frodsham.

Stan has been a member of the club for more than 10 years and has been an excellent Secretary.  In addition Stan has undertaken regular green-keeping duties over the years.

We wish you and your wife Hazel well for the future.

Christmas Party and Presentation Evening – Raffle Prizes

A reminder to members that this year’s Xmas bash is to be held at the Glossop Cricket and Bowls Club (North Road) on Friday 15th December starting at 7.30pm. Its a chance to let your hair down and get into the spirit of Christmas whilst at the same time applauding those members who have excelled in the club this year. There’s a great buffet, entertainment throughout the evening and a raffle (what more could you want).

Tickets priced at £15 (as per last year) are currently on sale from your team captains and Bryan Buckland the new club Secretary.

PTA-RafflePrizes-e1471505389190As in previous years members are asked to donate a raffle prize.  (Please bring these with you but don’t wrap them up.)


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No kids, no worries

I have 3 siblings. Two brothers and a sister. My fiancé, Bella, also has 3 siblings, all girls. We have spoken at length about what having children means. More importantly, we talked about why we want/don’t want children.

Break the mould

I’ve had dozens of messages from people telling me their ‘tricks to happiness’. I can’t express how happy it makes me knowing that there are people out there who have found some form of support in my words. But let me just say one quick thing. They aren’t tricks. Not to you. They are tools of the trade that is being happy and better yet, they work for you.

Delicious food

Come on, you knew it was coming. Everyone harps on about how important excercise and diet are, so I thought I would share my own thoughts on it. Firstly, I am not a nutritionist. I was a chef for a while, but really the only take away from such a career is that I love butter on everything.

Boundaries make friends

I, personally, have a tendency to stone wall people. It’s a default setting for me and something I am trying my best to change. Those that know me, are aware of this and know that if they endure the wall it comes down. But they shouldn’t have to do that.

Overthinking success

From your personal relationships to the progress within your working life, all of these have varying levels of success. The key here is to work out what they are. At what point do you, personally, put a finger on it and say ‘yeah, this is success’.


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Sprintcar World - Powered by Eagle Chassis

The Big Guns are Back in Town
Author : Archerfield Speedway

Having spent the last few weeks contesting interstate events with varying levels of success, several of Queensland’s standout Sprintcar competitors are returning home this weekend to contest round eleven of the East Coast Logistics Track Championship at Ausdeck Archerfield Speedway on Saturday night (February 15). The likes of Andrew Scheuerle, Lachlan McHugh, Mitchell Gee and Kevin Titman are back in action, taking on series leader Aaron Kelly, previous round winner Brent Kratzmann and another 19 drivers hell bent on breaking through for that most elusive of achievements; a Sprintcar feature race win. Also on another stacked program will be round seven of the American Tire and Racing Services Midget Series, along with Wingless Sprints, Formula 500s, Lightning Sprints and Ford vs Holden vs Sigma sedans.

In his first outing since surrendering his Australian Championship crown in Tasmania, Scheuerle returns to the venue that has hosted so many of his career successes. Far from disgraced in his national title defence, Scheuerle qualified seventh for the championship final, only to make an early exit when he crashed out on lap three. Of course, the best way to banish any lingering disappointment will be to reacquaint himself with victory lane, so expect the former track titleholder to serve up something special this weekend. Likewise, Gold Coast gun Lachlan McHugh will be out to put a frustrating World Series experiment behind him and return to his best form. Since returning to the cockpit of his trusty Sedl Civil Contracting #23 Triple X, McHugh has shown glimpses of the form that has carried him to several feature race wins against the very best in the business and a return to home soil might prove the final ingredient in the recipe for success.

As the only driver in the field who has won multiple rounds of the series so far this season, Mitchell Gee has every reason to be oozing confidence, while opening round winner Kevin Titman is another who should fancy his chances of making another visit to victory lane. Of course, buoyed by the success that came his way in the previous round, Brent Kratzmann will relish the opportunity to do it again against an even tougher field, while Kelly will no doubt be aware that a feature race win is the best possible way to silence those who question the legitimacy of his championship lead and he certainly looked on track to do exactly that at the previous round before he was forced into a spin to avoid an errant lapped car. Meanwhile, Adam Butler, Allan Woods, Callum Walker and Ryan McNamara have all appeared on the podium this season and are again expected to feature prominently in proceedings.

Midget action will hopefully dish up a duel between Rusty Whittaker and Brock Dean, a clash that was denied at the last outing when Dean succumbed to engine gremlins early in the night. Dean and Whittaker have won five of the six rounds between them and there is no reason to think they won’t be the pacesetters once again. Opening round winner Glen Wright most certainly has other ideas, while Darren Vine will be desperate to secure his first win for the season. A prolific feature race winner in seasons past, Vine has produced plenty of pace again this season but has cruelled his chances with a series of errors that have been as costly as they been uncharacteristic. Maybe this weekend will see Vine bounce back to his best and impose himself on proceedings in a manner more in keeping with what we have come to expect from him. Having nominated but failed to front at the previous round, Callum Walker is again amongst the entries and will certainly be a threat if he can successfully navigate the logistics of running two categories on the same night.

As has been the case all season, Wingless Sprints will be out in force once again with more than 25 drivers nominated for round eight of the Ian Boettcher Race Parts/Activated Industries Super Series. Despite the strength of the fields that have contested each round, northern NSW-based racer Dave Eggins has been the dominant figure from the outset and he currently sits atop the series standings. Also from over the border, Jamie Usher is second overall at the moment and the pair will lead a six-strong contingent from NSW into battle. Paul Robinson, Lachie Robertson and Dave Ellis are the best placed of the locals and they, along with Michael Lampard, Scott Thomsen and Brody Thomsen, loom as the best chances of upstaging the interstaters.

With the absence of arch rival James Kennedy from the entry list for round five of the Touch Ups Done Right Formula 500 Series, the best likelihood of Liam Williams being beaten now rests firmly in the hands of his fianc� Kristin Brown. Make no mistake, when they hit the track, both are focussed on beating whoever stands in the way of victory, including each other. Whilst Liam has continued to dominate the results this season, Kristin has proven to be one of his biggest threats and she would love nothing better than to upstage her hubby-to-be in the feature race, while Tarhlea Apelt, Ronnie Barber and Tomas Partington will be ready to take advantage of whatever opportunity comes to spring an upset.

Dave Fanning, Keith Blatch and Tyler Stralow look the trio most likely to set the pace in round ten of the Stockman Civil Lightning Sprint Club Championship. Stralow has been the standout performer so far this season with multiple feature race victories on a variety of tracks and he leads the championship as a result. However, Fanning and Blatch possess a potent combination of speed and experience and both have recently scored feature race wins, with Blatch victorious during their last Archerfield appearance.

Gates open at 4.00pm and the on-track action gets underway with early racing from 5.00pm. The main program, which will also feature Ford vs Holden vs Sigma sedans, kicks off at 6.00pm.

East Coast Logistics Sprintcar Track Championship round eleven nominations: Aaron Kelly, Adam Butler, Allan Woods, Andrew Scheuerle, Brent Kratzmann, Callum Walker, Dan Murray, Jason King, Karl Hoffmans, Kevin Titman, Kristy Bonsey, Lachlan McHugh, Libby Ellis, Luke Dougherty, Mark Pholi, Mitch Gowland, Mitchell Gee, Nelson Reddacliff, Nicholas Whell, Peter Campbell, Rob Hamilton, Ryan McNamara, Sean Rose, Steve Greer, Tim Farrell

American Tire and Racing Services Midget Series round seven nominations: Audie Malt, Barry Gibbes, Brad Dawson, Brock Dean, Cal Whatmore, Callum Walker, Corey Stothard, Darren Vine, Glen Wright, Matt ONeil, Mitchell Rooke, Nathan Mathers, Reid Mackay, Rusty Whittaker, Scott Doyle, Tom Clauss

Ian Boettcher Race Parts/Activated Industries Wingless Sprint Super Series round eight nominations: Ben Hull, Brian Scott, Brody Thomsen, Chris Catchpole, Danny Evans, Dave Eggins, Dave Ellis, Finley Cleveland, Ian Milnes, James Barton, Jamie Usher, Jayden OToole, Lachie Robertson, Liam Atkinson, Michael Lampard, Mick Reid, Nathan Jones, Paul Robinson, Scott Graham, Scott Thomsen, Shane Thompson, Shaun Knight, Shaun Thompson, Tim Harris, Troy Carey, Tim Harris

Touch Ups Done Right Formula 500 Series round five nominations: Aaron Finglas, Adrian Farrell, Brock Thornton, Dekot Gay, Ethan Eyears, Jonathan Gunn, Kristin Brown, Liam Williams, Ronnie Barber, Royce Harvey, Tarhlea Apelt, Taylor Prosser, Tomas Partington, Tony Bailey

Stockman Civil and Plant Lightning Sprint Club Championship round ten nominations: Dave Fanning, Derek Wells, James Elliott, Jason George, Jayden Mathers, Jim Kennedy, Keith Blatch, Kirsty Kelly, Michael Gollagher, Rob Holmes, Scott Jukes, Tyler Stralow, Wayne Iacono, Wayne Jukes

Holden vs Ford vs Sigma nominations: Daniel Hillhouse, Jake Besgrove, Jesse Allen, Kim Dack, Marin Kusturin, Maverick Dack, Mickey Mitchell, Terry Russell

For more information and event updates, follow Archerfield Speedway on Facebook, Instagram and Twitter.

Ausdeck Archerfield Speedway is proudly supported by:
Ausdeck Group
East Coast Logistics
Performance Wholesale
Queensland Speedway Spares

New Page 2


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    June 4, 2019

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    In State ex rel. C.V. v. Adoption Link, Inc., the Court granted a writ of prohibition against the Greene County Juvenile Court judge’s termination of C.V.’s parental rights and denied a writ of prohibition against the Greene County Probate Court judge, allowing the probate court to consider the adoption of N.V., as long as C.V. has the opportunity to participate in the case.

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Springspiration│Makeup and nails edition

Posted on Posted in Beauty
Credit: Itsoverflowing.com
Credit: Itsoverflowing.com
Hello everyone!

Today’s post is the final episode in my springspiration series. We will be ending with makeup and nails!

If you want to read the three other episodes, you can click here for fashion, here for decoration and here for food and drinks.

I mostly picked out soft pastel color or light colors, because to me, it breathes spring! This is a soft pink and orange one. It is blended very softly. Credit: Pinterest

This is a cooltoned eyelook. It is light and the glitters will catch the sun very nicely. Credit: Pinterest

A green and purple eyelook. This one requires a lot more skill, but who doesn’t love a challenge, right? It makes me think of a spring garden. The colors fit together perfectly, as you wouldn’t think green and purple would. Credit: Pinterest

An full face springlook. The skin is bronzed and has a very subtle, healthy glow. The eyes are kept light, because the lips are the main focus of the look. I love this hot pink lip for spring! Credit: Pinterest

A more subtle green and purple eyelook. I am really considering recreating this look. It is so fresh looking. Credit: Pinterest

In the nail department, you can never go wrong with flowers in spring. I love the blossom and all the other flowers in bloom. It is like nature comes alive again. The combination of nude and darkblue nails is a bit unusual, but the combination is looking good. Credit: Pinterest

Light blue or mint are my staple pieces in spring. The golden detail nail is very original looking. Credit: Pinterest

This nail art is a combination of this years colors: Rose Quartz and Serenity. The stones on the pink ones are a nice little detail. Credit: Pinterest

The most bold one of them all. I love this melon color combined with the gold and white. Credit: Pinterest

That was it for today! I hope you enjoyed.

What is your favorite makeup look or naildesign from the list?

See you next time!

Your Belgian blogger,

xoxo, Tessa

Disclaimer: Not sponsored. These are my own honest opinions. Pictures are not mine. A credit is always mentioned. Please note that I am not a professional.

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Seminars & Events

Please click here for the Center’s weekly communication. Please click here to be added to the mailing list.

BNORC Sponsored/Co-Sponsored Enrichment Offerings

Adipose Seminar Series sponsored by the Adipose Tissue Biology and Nutrient Metabolism Core (ABM)
Meets select Tuesdays at 10:00 AM
Location: BUMC

Obesity Journal Club co-sponsored by Enrichment Program of the Boston Nutrition Obesity Research Center
Tuesdays from 12:00-1:00PM
Location: M&V 240, Tufts (Health Sciences Campus, 136 Harrison Ave)
The Obesity Journal Club meets twice a month during the academic year to review papers published in biomedical journals that relate to obesity in population settings.

Please contact Katherine M. Rancaño, MS to be added to the club distribution list.

BNORC Cores: Services, Emerging Technologies and the Implications on Biomedical Research
Click here for information about this program held on October 18, 2019.

BNORC Annual Program – Adipose Tissue Role in Obesity
Friday, December 13, 2019 ● Plenary Session from 9:00 AM-12:15 PM; Judged Poster Session from 12:15-1:30 PM
Location: BUSM, 72 East Concord Street, Instructional Building, Hiebert Lounge

One-hour webinar designed to provide tools to create an effective discussion guide for interviews.
One-hour webinar on conducting focus groups and key informant groups with children, and covers the major issues to consider, including different strategies to use for different ages.

Workshops (held at TUSM)
Full-day workshop on moderating focus groups
Half-day workshop on qualitative data analysis
Two-hour workshop on conducting key informant interviews.

Next Offering(s): Qualitative Data Analysis (4 hours)
Wednesday 12 February 2020 from 12:30-4:30 PM

Software packages like NVivo are tremendously helpful in analyzing qualitative data, but they are only tools.  What do you need to do before you sit down to code?  What are the different philosophies and techniques around coding?  Once you have the data that the programs spit out, what are you supposed to actually do with it?  How do you best interpret the data?  What “best practices” in qualitative data analysis do you need to consider?  This workshop is designed to answer all of these questions.   NOTE, however, that the purpose of the workshop is not to teach you to use the software – most come with excellent training and support.  You will, however, learn everything else that you need to know to successfully analyze your qualitative data.

Limited to 10 participants.
Click here to register.

Other Enrichment Offerings

Monday Nutrition Seminar SeriesDepartment of Nutrition, Harvard T. H. Chan School of Public Health
Monday, February 3, 2020 from 1:00-1:50PM Light beverages provided.
“Environmental Enteric Dysfunction and Poor Growth Outcomes” Dr. Jacqueline Lauer, Postdoctoral Research Fellow in Pediatrics, Boston Children’s Hospital, HMS
Location: Harvard T.H. Chan School of Public Health, 677 Huntington Avenue Kresge 502

Tufts – HNRCA Monday Seminar Series

The 21st Annual Nutrition Obesity Research Center at Harvard (NORCH) Symposium on “Non-Alcoholic Fatty Liver Disease (NAFLD): Mechanisms and Novel Therapeutics”
Tuesday, June 30, 2020 from 7:15AM-5:30PM
An educational, all-day event. This event will feature internationally recognized speakers addressing interesting topics such as the genetics behind the disease, the global and clinical burden, and mechanisms and novel therapeutics for NAFLD. Registration will be free of charge, but space is limited. Join thought leaders in the field for this signature event! Fill out this form of interest if you would like us to contact you when registration opens!
Please contact Pamela Yurrita with questions or concerns at
Location: Joseph B. Martin Conference Center, 77 Avenue Louis Pasteur, Boston


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BUSM GSI 2019 Workshop Competition Announcement

The BUSM Genome Science Institute, in collaboration with the BU Single-Cell Sequencing Core, is sponsoring two workshops this Spring 2019, providing the BUMC and BU research community a chance to explore two developing areas of genomic experiments for generating preliminary data for future grant proposals.

Both workshops are limited competitions for labs to submit an experimental proposal by March 15, 2019.  Winners selected by the GSI Review Panel would receive a set of deeply subsidized reagents from the GSI to conduct Droplet Digital PCR (ddPCR) or a pilot Single-Cell RNA Sequencing experiment (scRNASeq). Three awards for ddPCR (up to $2400 reagent value per lab) and three awards for scRNA-Seq (up to $9000 in reagent value per lab) will be made to the best-chosen proposals.

On February 20, the GSI will host a seminar by Biorad scientists on the theory and workflow of Droplet Digital PCR on the QX200 instrument housed on K-building, 2nd floor.  There will also be an info session discussing the scope of the Single Cell RNA Sequencing Pilot experiments.  These workshop awards will allow labs to conduct significant but focused pilot experiments, and details will be discussed at the February seminar and updated on this website.

If your lab is interested in ddPCR, please enter your interest information at this link.

Two-page long proposals must be submitted to the GSI website by March 15, and winners would be announced promptly and will be required to submit samples for experimentation by the end of the Spring term. Results from pilot experiments should then be presented at the GSI Research Symposium in November 2019.

Click here for details on the proposal criteria.

Click here for the ddPCR Applications Guide.

For further questions, please email the GSI at gsi@bu.edu.

View all posts


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Joint Graduate Programs

The Master of Business Administration has successfully partnered with other graduate programs on the University of Montana campus to offer joint graduate degrees. These programs include the Juris Doctorate, Pharmacy Doctorate and Doctorate of Physical Therapy. The organization of the joint programs allows students to earn two separate degrees in a shortened period of time.

Students who wish to participate in any joint programs must comply with the standard admission requirements for each program separately. Students must be accepted to both programs. Nine (9) credits of coursework can be shared between the joint programs and a grade of B or better must be earned in those shared credits.

Joint  Graduate Programs

Joint Graduate Program

Taken as separate programs

Taken as Joint Graduate Program

Juris Doctorate and MBA (JD/MBA)

4 years

3 years

Doctorate of Physical Therapy and MBA (MBA/DPT)

4 years

3 years

Pharmacy Doctorate and MBA (MBA/Pharm. D)

5 years

4 years

*Other joint programs are evaluated on a case by case basis.


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Saturday, 4 June 2016

Chixdiggit - Live Bootleg

We hemmed and hawed about posting this tape, but (a) we're excited about celebrating Chixdiggit's 25th Anniversary tonight and (b) as Gene Poole says: no tape left behind! Or, unposted, as the case may be.

KJ Jansen told the story of this tape when we interviewed him for Unspooled earlier this year. The way KJ tells it, Chixdiggit played with a band from out east who somehow got ahold of a soundboard recording of a Chixdiggit set (we assume the band used to tape their sets and then review them, like a high school football team going over game videos). Said eastern band started selling this tape via their mail distro, completely without Chixdiggit knowing and well before they had any official recordings out. So when the band first toured out to the east coast, fans were waiting for them and singing along with their songs - and asking for songs that were no longer in the band's set list. KJ says he was pretty mad about the whole thing, but finds it kind of amusing now - and we think this ridiculous thing may have helped boost the band's popularity and help get them to where they are today.

What we like about this tape is that it shows how true to their original mission Chixdiggit have stayed: play short, catchy pop punk songs. What we don't like about this is, uh, the lyrical content on some of the songs. "She Knows" is a bit suspect, and both "Four Chinese Girls" and "If Adam Had a Penis" are pretty dreadful, word-wise. The tape is bookended with two classic tracks, "I Should Have Played Football in High School" and "Where's Your Mom," which kind of eases the pain. Thankfully KJ and the boys grew up just enough to remain true to their winning musical formula, but ditched the questionable lyrics (we'll guess this is why most of these songs were unreleased).

Grab the tape here - and maybe request a couple of these tunes at the Commonwealth tonight?

Unknown said...

Everyone in Halifax knew their songs from this bootleg tape sold by Meathead Records out of Thunder Bay. There is a video of Chixdiggit playing in Halifax and playing a bunch of these songs but sadly it is not on Youtube and may not ever be hahah. This demo is on youtube though -

FOZZY said...

You know it
And they know it too

Hicks Dig It

C. Franz Schultchen
(City Kidz; No Copies Left)


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I-League club Minerva renamed as Punjab Football Club

Views: 68

Mohali, Oct 30 (IANS) All teams of Minerva Punjab FC, the sole representatives of Punjab and former champions of the I-League and defending champions of junior league and elite league, will now be known as Punjab Football Club (PFC) as per the agreement with RoundGlass Sports Private Ltd, a statement from the club said.

It is part of RoundGlass Sports’ expansion of their youth and grassroots football talent program which includes the players of Minerva Punjab Football Club’s Champion Under-11 to Under-18 teams.

The players are already training under the UEFA/AFC/AIFF certified coaches at RoundGlass Sports, the statement said.

Minerva were crowned champions of I-League in 2017-18 season.

The junior teams of Minerva have dominated the youth circuit and have won all the junior national league titles including those of the AIFF U-13, U-15 and U-18 leagues conducted by AIFF over the last four years. Minerva Punjab has won the (U-15) junior national league title for the last four years consecutively.

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On 23rd September 2019, the newly appointed Ambassador of Australia Geoffrey Tooth along with his colleagues Deputy Head of Mission Peter Truswell and First Secretary Amanda McGregor visited the Center for Conflict and Peace Studies (CAPS) and met CAPS’ Chairman Hekmat K. Karzai. In the meeting CAPS Deputy Director Hekmatullah Azamy and Research Analyst Mustafa Hotaki were also present.

Mr Karzai welcomed Amb Tooth and his colleagues and thanked Australian government for their role in Afghanistan and contribution to the Provincial Reconstruction Team (PRT) in Uruzgan province from 2011 to 2013.

On his first visit to CAPS, Amb Tooth was briefed about CAPS’ activities particularly that of the research department that regularly produce quality assessments on many relevant issues including security, local governance, drug-crime-terror nexus among others. Mr Karzai also talked about CAPS’ legal program that provides pro-bono legal assistance to security detainees. He said the program started in 2009 with the aim to build trust between the Afghan government and the Taliban. Representing thousands of detainees, CAPS has recently expanded its legal program to Herat, Helmand and Nangarhar provinces. Other topics discussed were peace talks with the Taliban and the presidential elections in Afghanistan.

Amb Tooth thanked Karzai for the opportunity to visit CAPS and sharing valuable insights. He hoped CAPS and the Australian Embassy in Afghanistan would explore possible avenues for cooperation.


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Empire State Views

This is a slideshow of photos I took from the top of the Empire State Building in New York.

Note: The previous version of this slideshow no longer works with Google Sites, so I've had to replace it using tools Google provides. The result is less attractive, but it's the best I can do at present.


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South Florida Real Estate Blog by Michael Catino, Realtor

HUD publishes Opportunity Zone implementation plan

The White House Opportunity and Revitalization Council published its Implementation Plan, outlining to President Donald Trump a work plan for how the Council – chaired by U.S. Department of Housing and Urban Development (HUD) Secretary Ben Carson – will accomplish the goals specified in Executive Order 13583 of Dec. 12, 2018.

The Implementation Plan explains the various subcommittees, and describes the strategy to implement administrative reforms and initiatives that will coordinate Federal resources in economically distressed communities, including Opportunity Zones.

"Through this Plan, the 16 agencies and the Federal-State partnerships that comprise the Council will help deliver the public-sector investment and guidance that communities need to unlock the full potential of Opportunity Zones tostimulate economic development and job creation," says Carson.

In the report, the Council describes the following work streams and associated goals:

  • Economic development: Leverage federal grants and loans in a more integrated way to develop dilapidated properties and provide basic infrastructure and financial tools to attract private investment.
  • Entrepreneurship: Leverage government lending and grants to stimulate access to private capital and promote programs that assist entrepreneurs.
  • Safe neighborhoods: Combat drug addiction and the opioid crisis, reduce crime, enhance public safety and address environmental contamination obstacles to development.
  • Education and workforce development: Improve the effectiveness of K-12 and community college career and technical education and workforce development programs to better prepare workers in distressed communities for jobs.
  • Measurement: Develop robust reporting and analytics...

Buyer’s market, seller’s market or something in-between?

Have we arrived at one of those rare Goldilocks moments in real estate, where the market works well for sellers and buyers, strongly favoring neither?

Maybe. Based on the latest national consumer-sentiment survey by mortgage investor Fannie Mae, American consumers appear to think so. They're more positive about the direction of the housing market than they've been in nearly a year. Growing numbers think it's a good time to sell and a good time to buy. They expect their personal financial situations will improve this year, and they believe that interest rates for home loans will continue to remain relatively affordable.

Housing and mortgage economists tend to agree. As Michael Fratantoni, chief economist of the Mortgage Bankers Association, told me: Six months ago, "I was guardedly optimistic. Now I'm just plain optimistic."

Mark Fleming, chief economist of First American Title Insurance, said, "So far in 2019, we've seen mortgage rates decline and wages rise – both trends work to boost homebuying power and fuel greater market potential for home sales."

Yet some economists warn that things are not necessarily as rosy as Fannie's consumer survey would suggest. They point to troubling signs: Total home sales on a national basis continue to decline. That pattern historically has been a leading indicator that prices could fall during the year ahead, ending years of nonstop appreciation. Plus, houses are taking longer to sell; many owners are having to cut their asking prices.

So what's really going on? Some hard facts:

  • Prices are still rising but at a slower rate than in recent years. The median home listing price hit $300,000 last month for the first time ever, a 7 percent jump over the previous year, according to Fratantoni predicts price increases will moderate to an average of just 4 percent this year, 3 percent next year and 2.5 percent in 2021.
  • A notable percentage of sellers' asking prices are...

House flipping back to pre-crisis levels

House flipping back to pre-crisis levels

Although house flipping has risen to nearly the same level as it was during the 2006 peak of the housing boom, a new CoreLogic Inc. analysis suggests that most of the current flips are less risky – and there would be less market volatility if prices decline in the next few years.

According to CoreLogic, flips accounted for about 10.6 percent of homes sold in the fourth quarter of 2018 compared with 11.3 percent in the first quarter of 2006. The 4Q 2018 percentage was the highest fourth-quarter level for flips – defined as homes that have been owned for less than two years – since CoreLogic started tracking the data two decades ago.

However, today's home flippers have significantly larger profit margins than those at the peak of the previous housing cycle, giving them more of a cushion if home prices begin to flatten or fall: They made a median economic profit of almost 23 percent in the fourth quarter compared with 9 percent in the first quarter of 2006.

In addition, the flip market currently is dominated by professionals purchasing older homes that likely need work.

CoreLogic finds that the median age of a flipped home today is 39 years – about a decade older than in 2006.

"Flippers are very different today than they were in the past," says CoreLogic deputy chief economist Ralph McLaughlin. "Even though we see hype and hysteria in popular culture, this isn't necessarily something to worry about."

First-time buyers in 2012 can now afford to move up

 When Todd and Marisa Bluth bought a $188,000 starter house in Commerce City, Colorado, in 2012, they figured it would take at least a decade to build enough equity and savings to trade up to their dream home.

Yet just four years later, they sold the 1,600-square foot unit for $284,000, allowing them to take their nearly $100,000 profit and buy a five-bedroom nearly three times the size for what seemed like a steal – $375,000 – in a more upscale neighborhood.

"I never thought the house would appreciate so quickly," Todd, 34, says. "We played the market against itself."

Since the U.S. housing recovery began in 2012, affordable homes in modest neighborhoods have notched the sharpest price increases while luxury houses in wealthy neighborhoods have had the smallest percentage gains. In other words, on average, the lower the home-price tier, the more dramatic the price increase, with mid-range homes appreciating moderately.

More room to recover

The trend is largely rooted in the fact that prices of inexpensive houses fell the steepest during the real estate crash and so had more room to recover, says economist Kwame Donaldson of Moody's Analytics.

Also, affordable, entry-level homes have been in short supply, driving up their price tags, says Issi Romem, chief economist of Trulia, a real estate research firm.

The unusual dynamic is allowing homeowners like the Bluths to move up to their "forever homes" more rapidly. It's also helping many low- and moderate-income Americans amass wealth that can improve their lifestyles or bolster their nest eggs. But first-time buyers looking to get into the market now may be squeezed out.

The Bluths, who had a daughter when they lived in their first house, needed to move because another child was on the way, and they've since had a third. "It would have been getting pretty crowded," Todd, an attorney, says.

With a combined income of about $70,000,...

When is a closing agent not an escrow agent?

 In completing one of the Florida Realtors contracts, there are spaces for the escrow agent's information, including name, address, and telephone number. Not only is this information required per 61J2 14.008(2)(b) of the Florida Administrative Code, aka your FREC rules, but it lets the buyer know where to place the deposit once due under the contract.

Separate and apart from that section of a contract, there is another section that addresses who chooses the closing agent.

The key: These are two separate roles.

Pragmatically, however, the same entity usually performs both functions – and that's why the escrow vs. closing agent issue becomes confusing – and an assumption those roles are interchangeable isn't a good one.

An example of what can go wrong

Let's say the buyer wants his attorney to hold the deposit and has put the attorney's information in the appropriate escrow-agent spot in the contract. The seller wants to choose the closing agent and has checked the corresponding box for him to do so.

The contract says the deposit is due three days after the effective date, and the buyer sends the money to his attorney as specified in the contract. The seller, however, contacts the title company to confirm the deposit and is told that the buyer's money isn't there. The upset seller contacts the buyer and asks where the funds are. The buyer tells the seller that they were sent to his attorney, per the contract.

The seller is upset. He believes the money should be with the title company he chose as the closing agent. Is the buyer in default? Can the seller demand the funds be placed immediately with the title company?

In short, the answer to both questions is no. Of course, the buyer needs to make sure the deposit is sent to the closing agent in an appropriate amount of time before closing, but the buyer isn't in default. If the seller wanted to have the money with his chosen closing agent, he...

HUD: Failure to protect abused spouse is sex discrimination

The U.S. Department of Housing and Urban Development (HUD) announced that it approved a Conciliation/Voluntary Compliance Agreement between the owners of a Sunnyvale, California, apartment complex and a single mother of two who is a domestic violence survivor.

The agreement settles claims alleging that Essex Property Trust, Inc., and Essex Portfolio, L.P., discriminated against the woman based on her sex when they refused to remove her then-husband from her lease after she obtained a restraining order against him.

According to HUD, the Fair Housing Act prohibits housing discrimination based on sex, and this is an example of sex discrimination.

The case came to HUD's attention when a single mother filed a complaint alleging that the manager of her apartment building discriminated against her because of her sex when she refused to remove the woman's then-husband from the lease and change her locks, even after she had obtained a restraining order against him.

The woman alleged that the property manager ultimately agreed to change the locks but told the woman that her then-husband could still have a copy of the new key upon request. As a result, the woman claims that she moved out of her apartment due to concern for her safety. Even though the owners deny that they discriminated against the woman and do not admit guilt, they agreed to resolve the complaint.

Under the terms of the agreement, Essex Property Trust, Inc. will pay the woman $20,000.

In addition, Essex Property Trust and Essex Portfolio will implement a domestic violence policy at its more than 240 residential properties that addresses the safety and housing needs of tenants who experience domestic violence, and distribute the policy to employees and agents. The agreement also requires that the owners' regional manager and on-site property manager participate in fair housing training.

"Survivors of abuse shouldn't be victimized by having their housing rights violated," says...

Bank of America offers $10K to lower-income buyers

Bank of America (BofA) announced on Tuesday the rollout of a new $5 billion affordable homeownership initiative that includes downpayment or closing cost help for low- to moderate-income and multicultural homebuyers. The program will launch in the second quarter of this year.

BofA says the program should help more than 20,000 individuals and families over the next five years move toward homeownership.

Bank of America's Neighborhood Solutions program includes a downpayment and closing cost assistance option, as well as low-downpayment mortgages and grants that can be applied to non-recurring closing costs.

BofA says it also plans to form strategic partnerships with real estate professionals and a national network of affordable housing nonprofit partners. The goal is to offer homebuyer education and counseling help to low- to moderate-income and multicultural homebuyers hoping to become homeowners.

Through the bank's new downpayment and closing cost program, the bank will give eligible borrowers up to $10,000 to be used toward their downpayment or closing costs when they get a Freddie Mac Home Possible mortgage.

Eligible borrowers could also qualify for a lender credit up to $7,500 that could be used toward nonrecurring closing costs, such as title insurance and recording fees, or to permanently buy down the interest rate. The funds don't require repayment.

The bank also announced the Affordable Loan Solution mortgage – a fixed-rate loan for low- and moderate-income borrowers with a competitive rate, a downpayment as low as 3 percent and no required mortgage insurance. The majority of these loans go to first-time home buyers, the bank said.

45% of millennials hope to skip over a ‘starter home’

Young adults have waited longer than past generations to jump into homeownership. And, as they wait, that have apparently ratcheted up their expectations over what that first home will look like for when they finally take the plunge.

Almost half the millennials surveyed (45 percent) say they expect their first home to be their "dream home," according to a new survey of 2,000 millennials between the ages of 22 and 37, released by Northshore Fireplace.

Millennials are willing to move to a different area to get this piece of their American dream, too: 65 percent say they're willing to relocate to find a home they can afford, and 41 percent say they're willing to move to a different state.

But can millennials actually afford their dream home first time out? Half of millennials surveyed say they have only $2,000 or less saved for a downpayment. And they believe their first home will cost $218,152 (average), even though the median cost of an existing home in the U.S. is $249,500, according to the National Association of Realtors' (NAR) housing report for February.

In a separate study by, a home improvement website, millennial buyers were the most likely compared to other generations to pay more for must-have amenities. Many of the amenities they most sought out related to convenience or comfort, such as a private backyard or patio (they're willing to pay $7,009 more for a home with one); a swimming pool (they'd pay $6,346 more for one); central air conditioning and heating ($6,194); and solar panels ($5,469), according to the survey.

Some millennials may be willing to wait until they can afford their dream home. Their top fears delaying a home purchase are:

  • Burden of paying a mortgage (41 percent)
  • Unforeseen maintenance issues with the home (35 percent)
  • Being locked into one location by buying (17 percent)
  • Upkeep of the home (7 percent).

Source: "First-Time Millennial Home Buyers," Northshore...

Daily Blog 4-1-19

The Florida House and Florida Senate rolled out proposed budgets for the next fiscal year, and the two versions must now be reconciled through the budget negotiation process and, once finalized and approved, sent to Gov. Ron DeSantis for his signature.

The budget impacts a number of priority Realtor issues because it controls the Tallahassee purse strings. If a bill passes authorizing a property purchase, for example, it won’t do much good unless the Florida Legislature also puts money into the budget to make it happen.

Many of the budget proposals out of both chambers are good for Florida’s Realtors, though more work needs to be done as the budgets are reconciled. Included in the initial budget numbers are spending proposals for two top legislative priorities: water quality and affordable housing.

“These are just the first proposals in a lengthy and complicated negotiation process, so the numbers are likely to change,” says Florida Realtors President Eric Sain. “But we are encouraged by some of what we are seeing and will continue to work hard to make our voice heard on all of our priorities.”

Top budget items

  • Water quality
    The House proposed a $607 million budget that will be spent on water quality, Everglades restoration and other environmental projects. The Senate proposed $660 million for the same environmental priorities. The initial budget numbers are encouraging and provide some indication that the final environmental spending plan will be very close to DeSantis’ proposal of $625 million.
  • Affordable housing
    The Senate proposed full funding of the state’s affordable housing trust funds – approximately $331 million – while the House proposes $123 million. The Senate’s proposal matches up with the governor’s call for full funding, but the House falls well short of that goal. Florida Realtors...

Pending home sales dip 1% in Feb. after Jan’s 5% surge

Pending home sales endured a minor drop in February, according to the National Association of Realtors® (NAR). The four major regions were split last month, as the South and West saw a bump in contract activity and the Northeast and Midwest reported slight declines.

The Pending Home Sales Index – a forward-looking indicator based on contract signings – decreased 1.0 percent to 101.9 in February, down from 102.9 in January. Year-over-year contract signings declined 4.9 percent, making this the fourteenth straight month of annual decreases.

Lawrence Yun, NAR chief economist, said February's pending home sales decline is coming off a solid gain in the prior month.

"In January, pending contracts were up close to 5 percent, so this month's 1 percent drop is not a significant concern," he said. "As a whole, these numbers indicate that a cyclical low in sales is in the past but activity is not matching the frenzied pace of last spring."

Yun said despite the growth in the West, the region's current sales are well below the sales activity from 2018. "There is a lack of inventory in the West and prices have risen too fast. Job creation in the West is solid, but there is still a desperate need for more home construction."

Yun pointed to year-over-year increases in active listings from data at to illustrate the potential rise in inventory. Denver-Aurora-Lakewood, Colo., Seattle-Tacoma-Bellevue, Wash., San Diego-Carlsbad, Calif., Portland-Vancouver-Hillsboro, Ore.-Wash., and Nashville-Davidson-Murfreesboro-Franklin, Tenn., saw the largest increase in active listings in February compared to a year ago.

Yun does not anticipate any interest rate increases from the Federal Reserve in 2019.

"If there is a change at all, I would say the Fed will lower interest rates in 2019 or 2020. That would stimulate the economy and the housing market," he says. "But the expectation is no change at all in the current monetary policy,...