text:
07 Dec 2018, 10:05
Sören Amelang

Coal shortage at power plants due to low river levels may persist over the winter

Low water levels on the Rhine and other rivers following the extremely dry summer continue to have a strong impact on Germany’s coal power supply, according to an argus report. “The situation could curb coal-fired power generation over the winter, lifting gas-fired output at times when demand for German fossil-fuel generation is firm,” states the report.
Transporting a tonne of coal from Rotterdam to Mannheim on the Rhine currently costs around 40 euros, compared to usual rates of 5-6 euros, according to the report. Less than 20 percent of barges can pass the river’s narrowest point at present, and an increase in rail deliveries cannot make up for the shortfall. Swedish utility Vattenfall last week said its coal plants in Berlin were also affected by insufficient supply. These were “the first coal-fired plants in more northerly locations to be severely affected by the situation,” according to argus.

For background, read the article Germany’s power system weathers heat wave despite fossil plant curbs.

All texts created by the Clean Energy Wire are available under a “Creative Commons Attribution 4.0 International Licence (CC BY 4.0)” . They can be copied, shared and made publicly accessible by users so long as they give appropriate credit, provide a link to the license, and indicate if changes were made.
« previous news next news »

Journalism for the energy transition

Get our Newsletter
Join our Network
Find an interviewee


Content-Type: application/http; msgtype=response

WARC-Identified-Payload-Type: text/html

WARC-Type: response

text:
Travertine Restoration and Maintenance

travertineSoft Limestone Tiles

Travertine restoration is a service provided by Classic Marble Restoration of Plantation, Fla. Many buildings have travertine tiles that are a form of soft limestone that is available in different colors to match a room’s décor. Most travertine tile is imported from Europe or South America, making it an expensive decorative element in a business or home. To ensure this stone has a long life span, it is imperative to care for it properly by hiring our trained technicians.

Professional Stone Care

Our professional travertine cleaning and sealing services are available in several nearby regions of southern Florida. Due to its softness and unique veining, travertine requires gentle cleansers to prevent degradation from harsh chemicals and rough equipment. Our technicians may need to strip old sealants and waxes from fireplaces, countertops and floors before removing stains from beverages and foods. To prevent cleansers from entering the natural crevices in limestone, we apply as little detergent as possible to dissolve stains.

Stone Honing Services

Honing or travertine polishing helps to bring out the beauty of the stone but requires removing a thin layer. The preferred honing method used by our technicians is using diamond particle discs on buffer machines. As our polishing devices shave off the top layer of tiles, the dust is suctioned immediately to prevent scratches from the debris. After completing travertine polishing, we can reapply protective water-resistant sealants to the stone tiles. Anyone needing travertine cleaning and sealing can contact us to learn more.

Devin VanceTravertine Restoration and Maintenance
read more

warcinfo:
isPartOf: CC-MAIN-2018-51
publisher: Common Crawl
description: Wide crawl of the web for December 2018
operator: Common Crawl Admin (info@commoncrawl.org)
hostname: ip-10-180-67-225.ec2.internal
software: Apache Nutch 1.15 (modified, https://github.com/commoncrawl/nutch/)
robots: checked via crawler-commons 0.11-SNAPSHOT (https://github.com/crawler-commons/crawler-commons)
format: WARC File Format 1.1
conformsTo: http://iipc.github.io/warc-specifications/specifications/warc-format/warc-1.1/


text:
• IP Interface Card
  • Up to 32 independently configurable AoIP channels per card
  • For use with Eclipse HX Card Frames: HX-Omega, HX-Median and HX-Delta
  • Up to 4 cards supported in HX-Delta and HX-Median frames, Up to 6 cards supported in HX-Omega frame (with restrictions)
  • Each channel optimized for LAN, WAN and Internet
  • 722 audio compression/decompression on all channels
  • IP connecting to V-Series panels, Agent-IC and Concert clients
  • IP connection to Eclipse HX and LQ Series
  • Intercom plus 2 auxiliary channels for V-Series
  • N+1 card redundancy
  • Eclipse HX Configuration Software (EHX)
Item Part Number:
  • IVC-32-HX

Technical Specifications

Maximum cards per frame: 4, 6 for HX-Omega frames.

Ports per card: 32

CODEC: G.722 CODEC, 16khHz sample rate (@64kbps)

Connectivity: CAT5

IP addressing: Static and DHCP

Network compatibility: Layer 1 and Layer 2: LAN, WAN, VPN infrastructure. Routable via 3G, 4G, LTE data services

Physical LAN: 100BASE-T Full-Duplex (Auto-negotiation not supported)

Audio Passband: 100Hz – 7kHz

Latency: 45ms for LAN connected V-Series panels

Minimum Network bandwidth required per duplex connection: 140kb/s per each direction

Ports required: 1

Protocols used: TCP/IP, UDP

Quality of Service: TOS set for Priority, Immediate and Critical

Front Card: 1.64lbs (0.75kg)

(front and rear cards combined) +3.3V 3.5A +5V 0.7A +12V 0.05A

Operating Temperature: +32º F to +104º F (0º C to +40º C)

Storage Temperature: -67º F to +158º C (-55º C to +70º C)

Humidity: 40 – 90%, non-condensing

Height: 6RU (vertically in Eclipse HX-Median and Omega frames, or horizontally in Eclipse HX-Delta frames)

Front Panel: 11.8in (300mm) Rear Panel: 2.28 (58mm)

Associated Products

WordPress Lightbox Plugin


WARC-Identified-Payload-Type: application/xhtml+xml

text:
1108 Rose Blossom Court
Tampa, FL 33613

View Map
Contact us For Additional Information We protect your privacy - read our policy here.
* First Name:
* Last Name:
* Email:
* Phone:
Working with a Realtor yet?
Request Showing or Ask Questions:
Price: $277,070
Address: 1108 Rose Blossom Court
City: Tampa
Zip code: 33613
County: hillsborough
Subdivision: bearss landing
Square Ft: 1756
Bedrooms: 3
Full Bathrooms: 2
Half Bathrooms: 1
Pool: None
Lot Size: 0.11
Property Type: Residential / Townhouse
Construction: Block,Siding,Stucco
Heating: Central
# of Garage Spaces: 2
Flooring: Carpet,Tile
WaterFront: None
Community Features: Gated Community,Pool,Sidewalk
Year Built: 2018
Remarks: Under Construction" Brand NEW energy-efficient townhome ready November 2018! Prepare meals in this Anaheim home's open kitchen which overlooks the dining nook, covered patio, and family room. Modern cabinets, quartz countertops, wood look tile flooring, and neutral gray carpet in our Inspire Package. Bearss Landing is a gated community of townhomes located near plentiful shopping and dining. This community provides easy access to I-275 and is in short proximity to downtown Tampa. Known for their energy-efficient features, our homes help you live a healthier and quieter lifestyle while saving thousands of dollars on utility bills.
Courtesy of: meritage homes of fl realty

View these similar Listings!

Send to a friend
Your Name:
Your Email:
Friend Name:
Friend Email:

Please enter this code into the field below.

Information on this website is being provided for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data relating to real estate for sale on this web site is sourced from the MLS (MFRMLS). Real estate listings held by brokerage firms other than Lipply Real Estate are marked with the Broker Reciprocity logo. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal.

*Data Updated 12 16 2018

MLS Office ID: 260030671
Lipply Real Estate Company
3302 Alt 19
Palm Harbor, FL 34683
Phone: 727-314-1000
Toll Free: 888-423-5775
Fax: 727-216-6549


text:
Contact Agent

Riviera Del Sol

Beach apartment with 2 bedrooms, 1 bathroom and shared pool in Riviera Del Sol - Fase VI, Spain

From £432 per week

Apartment to rent in Riviera Del Sol - Fase VI, Spain

Nice and modern decorated apartment just 3km from the beach at Riviera del Sol

  • Apartment
  • Sleeps 4
  • 2 Bedrooms
  • 1 Bathroom
  • Shared pool
  • WiFi
  • Near beach
  • Air conditioning
  • Balcony / terrace
  • Parking

Apartment overview - owner's description

This apartment enjoys a quiet location in a neighbourhood behind Miraflores Golf in Mijas. It's only 3 km from the sandy beach of the Costa del Sol, where you'll find many chiringuito (beach restaurants) and water fun.

There's a communal swimming pool, where you can relax and sunbathe. There are also loungers on the shared roof terrace. From the roof, you have a view of the surroundings, all the way to the Mediterranean. The apartment is furnished in a beautiful way and in a modern style and it features good beds. From the balcony in front of the apartment, you can see the street.

It's great to explore the surroundings from the apartment. You can go golfing nearby, at Miraflores. Marbella has a beautiful historic centre and a pleasant boulevard near the beach. But you can also quickly reach the hinterland of Andalusia, where you can get to know the typical Spanish way of life in the many pueblos blancos (white villages). And you'll find beautiful nature there. The highlights of Andalusia, such as Málaga (45 km), Ronda (90 km), Granada (150 km) and Córdoba (180 km)) are also certainly worth a day trip!
At less than 3 km, you'll find a shopping centre with supermarket, shops, restaurants and bar.

On the 2nd floor:

  • Kitchen (hob, toaster, coffee machine, oven, microwave, dishwasher, fridge-freezer, washing machine)
  • Living/diningroom (TV (satellite), dining table (4 persons), seating area)
  • Bedroom (double bed)
  • Bedroom (single bed, single bed)
  • Bathroom (shower, washbasin, toilet)
  • Toilet (washbasin)
  • Hall

On the 3rd floor:

  • Roof terrace
  • Sun loungers

  • 1x heating (through air conditioning)
  • 1x air conditioning
  • 1x terrace (8 m2)
  • 1x garden (shared with other guests)
  • 1x parking
  • 1x swimming pool (shared with other guests)

Property specifics:

  • For reasons of tranquillity, this holiday home will not be rented to groups of youngsters
  • This property is not suitable for families with children younger than 8 years of age. The lessor does not accept bookings for families with small children
  • It is strictly forbidden to organise any student party, bachelor party or drinking party in this house

1 other review

VErdonck Oct 2018

Nice and clean apartment. A bit far from the center. It is difficult to do on foot.

1 - 1 of 1

This apartment is:

3km from the nearest beach 1.5km from the nearest restaurant 2km from the nearest supermarket 37km from Airport (Aeropuerto de Málaga) 2km from Bank (Comercial Center) 3km from Doctor (Medical Center Calahonda) 3km from Sea beach 6km from Town center (La Cala de Mijas)
Outside this apartment in Riviera Del Sol - Fase VI, Spain
This apartment is in a village near the beach. It has a shared pool and a balcony.

Prices and availability

Updated 4 December 2018

  • Unavailable
  • Your booking
  • Available start/end date

Select your travel dates on the calendar

Included in price or to be paid locally

  • Final cleaning, Bed linen, Bath towels

  • WiFi

    Free of charge

2 bedrooms, Sleeps 4:

  • 2 single beds
  • 1 double bed

1 bathroom, 1 Separate WC

Swimming pool

Shared pool

Internet / WiFi, TV, Satellite / cable

Air conditioning, Central heating, Washing machine

Dishwasher, Fridge, Freezer, Microwave, Oven, Toaster

Balcony or terrace, Parking

Similar holiday rentals near Riviera Del Sol - Fase VI, Spain

View all properties in Riviera Del Sol - Fase VI


text:
Red Cross/ Red Crescent Climate Centre

‘The world is losing the war on climate change’

10/08/2018 - by Dr Maarten van Aalst, Director, Red Cross Red Crescent Climate Centre

For those of us working on the humanitarian impacts of climate change, last week provided some very gloomy reading, including a stark headline above an Economist leader that ‘The world is losing the war against climate change’.

The authoritative weekly was not asserting that climate has suddenly become a binary issue of victory or defeat but referring to a direction of travel; it argued that on climate, the direction of travel remains the wrong direction.

‘Three years after countries vowed in Paris to keep global warming “well below” 2°C relative to pre-industrial levels, greenhouse gas emissions are up again. So are investments in oil and gas. In 2017, for the first time in four years, demand for coal [the dirtiest of the fossil fuels] rose.’

The main reason? Soaring demand for energy in the booming economies of Asia, where in the decade to 2016 this rose no less than 40 per cent, met almost entirely by coal, gas and oil.

The New Scientist of the same date (4 August) had a different focus but the upshot was the same: climate change is here to stay. In ‘We must build for a warmer future’, writer Michael Le Page argued that we need to heatwave-proof not only buildings, including the skyscrapers of the future, but entire cities, to limit the heat-island effect that can push summer temperatures up several degrees in urban areas.

                     ‘Politicians have an essential role
                     in making the case for reform
                     and ensuring the most vulnerable
                     do not bear the brunt of change’

Yet a third route to essentially the same conclusion – that no one now living will see man-made climate change reversed – appears in the epilogue to a superb, near book-length online report by the New York Times magazine on humanity’s early (and unsuccessful) attempt to address climate change. Quoting a recent paper in Nature, it says: ‘The toughest emissions reductions now being proposed, even by the most committed nations, will probably fail to achieve “any given global temperature stabilization target”.’

Where does all this leave us? Particularly at the end of a northern-hemisphere summer when we have seen extraordinary – and lethal – heatwaves and wildfires, and when the international group of climate scientists (including our Climate Centre) conducted a rapid analysis showing that in some locations man-made climate change made the heatwave at least twice as likely.

‘Just extraordinary’ heat

For the scientists perhaps, one event stands out, though it may not generate the greatest political impact and, thankfully, its humanitarian impact was virtually nil: the heatwave above the Arctic Circle.

My good friend and colleague Geert Jan van Oldenborgh of the Royal Netherlands Meteorological Institute is as careful a scientist as they come, and certainly not given to hyperbole. But last month he described the study readings at its Arctic station as ‘just extraordinary, unprecedented in the historical record’. And when Geert Jan uses the word unprecedented, it means just that; the event in question has not before been witnessed in modern times.

One did not, however, need to be a climate scientist to have done a double-take on hearing news of scores of forest fires burning across Sweden – Sweden – with the government in Stockholm asking for the loan of firefighting aircraft from its European partners.

If the fear now is that, for the moment at least, mitigation looks like a lost cause, there’s yet a small (very small) upside – one that greatly reinforces the arguments that the humanitarian and development communities, especially, have been making for some time. It is that sensible, tailored, sustainable adaptation and climate resilience are pivotal to humanity’s future, including the developed world.

Media coverage

In the aftermath of last year’s highly destructive hurricane and Asian monsoon seasons, I argued that it may now be the media carrying the brightest torch on the climate issue. To be sure, in terms of mitigation the picture painted by the three high-profile outlets I’ve quoted here is a bleak one – all the more so when set alongside two new scientific papers last week. The US-based State of the Climate in 2017 showed greenhouse gases, sea levels, warm oceans, shrinking ice caps all setting new records last year, and the latest Proceedings of the [US] National Academy of Sciences warned we could be heading towards thresholds that would push the world into a continued heating trajectory, even if we reduce emissions later.

We in the humanitarian community will wait anxiously to see what political impact the combination of media warnings and killer heat in some very unlikely – and highly developed – places like Canada and Japan will have. Until last weekend we were able to hope that none of the lethal heatwaves or fires, including the tragedy in Greece, would require international humanitarian assistance. But now comes news from North Korea that the Red Cross there is deploying mobile diesel-powered pumps in the countryside to irrigate parched maize fields threatened by another severe heatwave, involving temperatures unprecedented in datasets beginning in the 1940s.

The coming months will feature some significant milestones for international climate policy. In October the IPCC’s long-awaited report on the impacts of global warming of 1.5°C above pre-industrial levels is due, while negotiations on the rule book for the Paris Agreement are scheduled to be completed at the next COP meeting in Poland in December. But it’s already clear we need action way beyond what’s currently happening, and fast, as many of the extremes we are experiencing now are just a taste of what’s to come.

I continue to see strong media coverage of both current extremes and the risks we are getting locked into as a critical factor, and I’m glad to see The Economist, for one, all but taking words out of our mouths. A shift from carbon may eventually enrich economies, their leader last week concluded, but (my emphasis) ‘[p]oliticians have an essential role to play in making the case for reform and in ensuring the most vulnerable do not bear the brunt of the change.’ The humanitarians’ point exactly!

Wildfires burn in California this summer (Photo: USAF)


text:
Clover Care Corner

The care our mom has received at Clover Care has been nothing short of exceptional. The country setting helps to add to the inviting atmosphere in which our mom has thrived. The staff is always friendly, knowledgeable and caring. Clover Care has made a difficult situation seem like a natural transition in life. We would recommend it to anyone looking for long term care of a loved one.

- Jeanne D. & Vicki L.

Clover Care Corner

Senior Retirement Residence In Kansas City Feels Like Home

A senior retirement residence is home to many Kansas City senior adults but...

December 11, 2018

senior memory care clover care homes

Senior Memory Care At Care Clover Care Home

Senior memory care is the long-term specialized care of senior adults with...

November 27, 2018

A Specialized Senior Retirement Residence in Kansas City

Clover Care Home is a specialized senior retirement residence that surpasses...

November 13, 2018

Clover Care Home
6320 Zarda Dr.
Shawnee, KS 66226

Clover Care Home © All Rights Reserved. Privacy Policy

Site Created by KC Web Specialists, LLC


text:
Cutnell (9th) Topics and Chapters that we cover

Ch 09: Rotational Dynamics

Ch 13: The Transfer of Heat

Ch 17: The Principle of Linear Superposition and Interference Phenomena

Ch 29: Particles and Waves

Ch 30: The Nature of the Atom

Ch 31: Nuclear Physics and Radioactivity

Ch 32: Ionizing Radiation, Nuclear Energy, and Elementary Particles


text:
October 10, 2016

Important OFAC Iran FAQ Update provides clarity on US dollar processing and due diligence

On 7 October 2016 OFAC issued an update to its “Frequently Asked Questions Relating to the Lifting of Certain U.S. Sanctions Under the Joint Comprehensive Plan of Action (JCPOA) on Implementation Day” (the FAQs), providing further guidance on due diligence requirements for non-U.S. persons engaged in transactions with Iran and providing an interesting clarification in respect of the processing of U.S. dollars by non-U.S. financial institutions.

The FAQs were first published on Implementation Day (16 January 2016).  The FAQs do not have the force of law themselves and are only intended by OFAC to be explanatory.  They do, however, provide helpful guidance on the changed U.S. sanctions regime after Implementation Day.

That said, there were a number of areas, including in relation to the use of dollars by non-U.S. financial institutions and the extent of due diligence required by non-U.S. persons, which were left ambiguous by the original FAQs published immediately after Implementation Day.

The recent update to the FAQs, whilst it does not reflect a change in the underlying legislation, does nonetheless provide helpful clarification of some of those ambiguous areas.

Due Diligence

Whilst many Iranian individuals and entities were removed from the SDN list on Implementation Day, there were still a number of individuals and entities, such as the IRGC, that remained designated as SDNs.  Non-U.S. persons dealing with those SDNs after Implementation Day could face U.S. secondary sanction consequences, including menu based penalties and “designation authority sanctions” which would result in the person being designated as a SDN.

As FAQ M. 2 (which was issued immediately after Implementation Day) confirmed, it was essential that non-U.S. persons engaged in trade with Iran carried out due diligence “sufficient to ensure that [they are] not knowingly engaging in transactions with the IRGC or other Iranian or Iran-related persons on the SDN list”.

However, the FAQs said nothing else in relation to due diligence and gave no assistance in relation to the extent of due diligence required.  In particular, the FAQs did not clarify whether it was sufficient to establish only that one’s immediate counterpart was not a SDN or whether it was necessary to go further and ensure that the counterpart was not owned by an SDN as well.

That is remedied somewhat by new FAQ M. 10 which confirms that it is not necessarily sanctionable for a non-U.S. person to engage in transactions with an entity that is not on the SDN list but that is minority owned, or that is controlled in whole or in part, by an Iranian or Iran-related person on the SDN list.

It is certainly helpful that OFAC has clarified that minority SDN ownership, or even wholesale control by a SDN, will not of itself prevent a non-U.S. person transacting with that entity.  However, OFAC sounds a note of caution by adding that it recommends exercising caution in such circumstances to ensure that such transactions do not involve Iranian or Iran-related persons on the SDN list.  The risk for non-U.S. persons would be that the transaction in question could still ultimately provide significant services or support to an Iranian SDN, which, if the non-U.S. person had knowledge (meaning knew or, under the circumstances, should have known of this fact), would be in contravention of US secondary sanctions that are still in force after Implementation Day.  Minority SDN ownership or control is therefore a red flag that may require further investigation into the transaction to determine that such services or support were not being provided for the benefit of a SDN.

New FAQ M. 11 also provides confirmation that checking the names of one’s counterparties against the SDN list is expected but not necessarily sufficient to discharge one’s due diligence obligations.  OFAC does not give any specific guidance as to what might be expected over and above that, save to recommend that due diligence procedures should conform to internal risk-assessment and overall compliance policies, which themselves should be based on best practices in the relevant industry and conform to the guidance and expectations of regulators in the non-U.S. person’s home jurisdiction.

However, one particular concern for non-U.S. persons is likely to be whether or not, notwithstanding that the counterparty is not on the SDN list, the transaction might result in services or support being made available to a SDN in contravention of a number of executive orders still in force.  Other concerns will include whether or not there is more than 50% ownership by the IRGC or one if its designated officials, agents or affiliates.  Proportionate due diligence enquiries are therefore likely to be focussed at identifying any possible SDN involvement in the transaction outside the direct contractual counterpart and identifying shareholders in the counterpart.

In terms of the other regulatory requirements from outside the U.S. that OFAC refers to, the residual EU sanctions against Iran will certainly dictate the extent of due diligence required by persons subject to EU sanctions.  The requirement on those persons to ensure that they do not provide, directly or indirectly, funds and economic resources to any person designated by the EU will mean that they have to not only establish that the person they are dealing with is not on the EU’s list of designated persons, but to also enquire into the details of the transaction and any other parties involved in it to ensure that there is no indirect provision of funds/economic resources to an EU designated person.

OFAC’s additional FAQs are therefore a timely reminder that it is still necessary to undertake due diligence to enquire into ownership and control of a counterparty and to understand the broader transaction and what other parties may be involved.  Minority control of a SDN may not of itself require a non-U.S. person to refrain from entering into a particular transaction, but it is a red flag requiring further investigation to determine that the transaction concerned does not result in services or support being provided to a SDN.  It also continues to be relevant to ensure that a counterparty is not owned more than 50% by the IRGC or its affiliates/agents, and for persons subject to EU sanctions it is important to confirm that funds and economic resources are not being provided to any EU designated persons as a result of the transaction.

Offshore dollar processing

There was some speculation in April and May 2016, amid criticism that the JCPOA had not provided the outcomes that many felt it promised, that the U.S. Treasury was considering issuing licenses to permit foreign (i.e. non-U.S.) financial institutions (FFIs) to engage in offshore U.S. dollar clearing.  The suggestion that FFIs could clear U.S. dollars outside the U.S. for Iran related trade quickly attracted criticism within congress.  A draft bill was presented by Senators Rubio and Kirk which would have prevented the President issuing a licence authorising FFIs to conduct an offshore U.S. dollar clearing system for transactions involving Iranian persons.

However, it was far from clear that the U.S. Iranian transactions and Sanctions Regulations (the ITSR), prevented FFIs from clearing U.S. dollars outside the U.S. in any event (provided there was no U.S. person involvement) and, therefore, whether a licence was even required.

The original version of FAQ C. 7 did not provide any certainty.  It asked whether, after Implementation Day, FFIs were allowed to clear U.S. dollar transactions involving Iranian persons. The somewhat ambiguous answer did not clearly state “yes” or “no”.  Instead, it indicated that FFIs had to ensure that they did not clear U.S. dollars through U.S. financial institutions.  It intriguingly left open the possibility that U.S. dollars could, therefore, be cleared by FFIs as long as US financial institutions were not involved.  However, there was naturally concern amongst FFIs that the position was far from clear enough to give them comfort that OFAC might not seek to penalise FFIs engaging in such business, even where no U.S. financial institutions were ever involved.

On 7 October FAQ C. 7 was changed significantly.  The question now asks whether FFIs can “process” (not “clear”) transactions denominated in U.S. dollars or maintain U.S. dollar-denominated accounts on behalf of the Government of Iran or any person subject to the jurisdiction of the Government of Iran.  The answer is unambiguous:

“Yes. [FFIs], including foreign-incorporated subsidiaries of U.S. financial institutions, may process transactions denominated in U.S. dollars or maintain U.S. dollar-denominated accounts that involve Iran or persons ordinarily resident in Iran, or in which there is an interest of a person whose property and interests in property are blocked solely pursuant to Executive Order 13599 and section 560.211 of the ITSR, including NIOC, the CBI, and other individuals and entities that meet the definition of the Government of Iran or an Iranian financial institution, provided that such transactions or account activities do not involve, directly or indirectly, the United States financial system or any United States person, and do not involve any person on the SDN List or conduct described in FAQ A.3.ii-iii.”.

If there was any doubt, therefore, that the ITSR prevented FFIs from processing U.S. dollars outside the U.S. financial system (provided U.S. financial institutions or SDNs were not involved), OFAC has removed it.

The clarification opens the prospect that FFIs may establish dollar denominated vostro accounts on behalf of Iranian banks to effectively process dollar payments without the involvement of the US financial system in “clearing” them.  It is also of note that OFAC considers that the offshore processing of U.S. dollars is an activity that can be carried out pursuant to General Licence H, thus permitting overseas subsidiaries of U.S. financial institutions to participate.

There are still significant compliance challenges for FFIs seeking to undertake such offshore dollar processing.  FFIs will have to ensure that their systems and controls are robust enough that there is no risk that U.S. dollars are inadvertently cleared through U.S. financial institutions.

However, in terms of the due diligence that FFIs are expected to undertake, OFAC have provided interesting clarification at new FAQ M.11.  OFAC has clarified that whilst it considers it best practice for a FFI to perform due diligence on its own customers, OFAC does not expect an FFI to repeat the due diligence its customers have performed on an Iranian customer (unless the FFI has reason to believe that those processes are insufficient).  Nevertheless, EU based FFIs will no doubt be wary of the risk of providing funds and economic resources to any EU designated persons and will probably still require some measure of due diligence on their customers’ customer to guard against this risk.

The unknown factor at present is the appetite for US financial institutions to maintain correspondent banking relationships with FFIs who choose to take advantage of offshore U.S. dollar processing for Iranian financial institutions.  That may be a significant constraining influence upon the decisions of some FFIs. But there is no doubt that others will seek to take advantage of an important clarification from OFAC.


text:
Grove Villas Apartments Overview

The Grove Villas offers a quiet, alternative to college living in close proximity to the University of Florida and Santa Fe College. Choose from loft style, one bedroom townhomes in a convenient location. You'll find peace and quiet with close proximity to The Oaks Mall, I-75 on a direct route to both Newberry Road and Archer Road. Visit and see for yourself why The Grove Villas Apartments is one of Gainesville's best kept secrets.

Floor Plans

Apartment Amenities

  • Full-Size Washer & Dryer View PhotoFull-Size Washer & Dryer
  • Additional Storage
  • Air Conditioner
  • All Units Are Master Suites View PhotoAll Units Are Master Suites
  • Balcony
  • Breakfast Bar View PhotoBreakfast Bar
  • Cable and Phone Hook Ups
  • Carpet in Living & Bedrooms View PhotoCarpet in Living & Bedrooms
  • Patio off Living Room View PhotoPatio off Living Room
  • Refrigerator
  • Townhouse Ceiling Heights: 15' 7 View PhotoTownhouse Ceiling Heights: 15' 7
  • Window Coverings

Community Amenities

  • 24-Hour Maintenance
  • Controlled Access Gate
  • Gated Entrance
  • On-Site Manager
  • Package Receiving
  • Public Transportation - RTS 75
  • Recycling
  • Tennis Court View PhotoTennis Court

Pet Policy

  • Grove Villas Apartments is a pet friendly community

Request Additional Information


text:
Malvern Federal Savings Bank Appoints Kim Arnold Vice President, Business Development and Private Banking

PAOLI, Pa., Jan. 11, 2016 (GLOBE NEWSWIRE) -- Malvern Federal Savings Bank, the wholly owned subsidiary of Malvern Bancorp, Inc. (NASDAQ:MLVF), today announced the appointment of Kim Arnold as vice president, business development & private banking. In this role, she will provide credit and wealth management solutions for high net worth individuals, helping them to preserve liquidity and achieve their investment goals.

“Kim is dedicated to providing her clients with the highest level of service and will utilize her many years of experience to aid our clients with their personal financial needs,” said Anthony C. Weagley, President and CEO of Malvern Bancorp, Inc., and Malvern Federal Savings Bank. “She is a high energy individual and I feel confident that she will become a critical resource for our clients. We are fortunate to welcome her to our team.”

Prior to joining Malvern Federal, Arnold was Vice President, Retail Banking for Fulton Bank in Warrington, Pa. Previously, she was Vice President, Private Banking for Mellon Bank in Philadelphia.

Arnold is member of the Bucks County Community College Foundation board; past president of the Bucks County Opportunity Council; past chair of the Central Bucks Chamber Women in Business Committee; member of the Heritage Conservancy Business Committee; member of the Board of Sisters U; member of the advisory board for U Magazine; and member of the Rotary Club of Doylestown.

About Malvern Bancorp

Malvern Bancorp, Inc. is the holding company for Malvern Federal Savings Bank. Malvern Federal Savings Bank is a federally-chartered, FDIC-insured savings bank that was originally organized in 1887 and now serves as one of the oldest banks headquartered on the Philadelphia Mainline. For more than a century, Malvern Federal has been committed to helping people build prosperous communities as a trusted financial partner, forging lasting relationships through teamwork, respect and integrity. The Bank conducts business from its headquarters in Paoli, Pennsylvania, a suburb of Philadelphia, as well as seven other financial centers located throughout Chester and Delaware Counties, Pennsylvania. Its primary market niche is providing personalized service to its client base. The Bank focuses its lending activities on retail clients, commercial lending to small and medium-sized businesses, real estate developers and high net worth individuals.

For further information regarding Malvern Bancorp, Inc., please visit our web site at For information regarding Malvern Federal Savings Bank, please visit our web site at

Forward-Looking Statements

This press release contains certain forward looking statements. Forward-looking statements can be identified by the fact that they do not relate strictly to historical or current facts. They often include words like "believe," "expect," "anticipate," "estimate" and "intend" or future or conditional verbs such as "will," "would," "should," "could" or "may." Certain factors that could cause actual results to differ materially from expected results include changes in the interest rate environment, changes in general economic conditions, legislative and regulatory changes that adversely affect the business of Malvern Bancorp, Inc., and changes in the securities markets. Except as required by law, the Company does not undertake any obligation to update any forward-looking statements to reflect changes in beliefs, expectations or events.

Investor Contact: Joseph D. Gangemi SVP & CFO (610) 695-3676 Media Contact: David Culver, VP Public Relations BTC Marketing (610) 254-7426

Source:Malvern Bancorp, Inc.


text:
Intrusion Inc. Announces 2016 Fourth Quarter and Annual Results

RICHARDSON, Texas, Feb. 21, 2017 (GLOBE NEWSWIRE) -- Intrusion Inc. (OTCQB:INTZ), (“Intrusion”) today announced financial results for the quarter and year ended December 31, 2016.

Intrusion’s net loss for the fourth quarter 2016 was $0.3 million, compared to a net loss of $0.5 million for the fourth quarter 2015. Net loss for the year 2016 was $1.6 million, compared to a net loss of $1.2 million for 2015.

Revenue for the fourth quarter 2016 was $1.4 million, compared to $1.5 million in the fourth quarter 2015. Revenue for the year 2016 was $6.1 million, compared to $6.8 million in 2015.

Gross profit margin increased to 65% of revenue in the fourth quarter of 2016, compared to 63% of revenue in the fourth quarter 2015. For the year, the gross profit margin increased to 64%, compared to 63% in 2015.

Intrusion’s fourth quarter 2016 operating expenses were $1.2 million, compared to $1.4 million in the fourth quarter 2015. For the year 2016, operating expenses were $5.3 million, compared to $5.4 million in 2015.

As of December 31, 2016, Intrusion reported cash and cash equivalents of $0.1 million, a working capital deficiency of $0.8 million, and debt of $3.1 million. As of December 31, 2015, Intrusion reported cash and cash equivalents of $0.1 million, working capital deficiency of $0.8 million and debt of $1.9 million.

“We booked $1.3 million of orders in the fourth quarter 2016,” stated G. Ward Paxton, Chairman, President and CEO of Intrusion. “Federal Government business in the fourth quarter was reduced due to the approval delay of the 2017 Federal Budget. The government is operating under a Continued Resolution whereby existing projects can be funded up to the level of the previous year and new projects are delayed until the budget is approved. Since Intrusion has heavy focus on new projects, these delays have impacted us significantly. On the other hand, the number of new projects in our pipeline has grown. In spite of the Continued Resolution problem with the Federal Government business, we booked $0.8 million of orders in January 2017,” Paxton concluded.

Intrusion’s management will host its regularly scheduled quarterly conference call to discuss the Company’s financial and operational progress at 4:00 P.M., CST today. Interested investors can access the call at 1-877-258-4925. For those unable to participate in the live conference call, a replay will be accessible beginning today at 7:00 P.M., CST until February 28, 2017 by calling 1-855-859-2056 or 1-404-537-3406. At the replay prompt, enter conference identification number 72178892. Additionally, a live and archived audio webcast of the conference call will be available at

About Intrusion Inc.

Intrusion Inc. is a global provider of entity identification, high speed data mining, cybercrime and advanced persistent threat detection products. Intrusion’s product families include TraceCop™ for identity discovery and disclosure, and Savant™ for network data mining and advanced persistent threat detection. Intrusion’s products help protect critical information assets by quickly detecting, protecting, analyzing and reporting attacks or misuse of classified, private and regulated information for government and enterprise networks. For more information, please visit

This release may contain certain forward-looking statements, which reflect management's expectations regarding future events and operating performance and speak only as of the date hereof. These forward-looking statements involve a number of risks and uncertainties. Such statements include, without limitations, statements regarding future revenue growth and profitability, the difficulties in forecasting future sales caused by current economic and market conditions, the effects of sales and implementation cycles for our products on our quarterly results and difficulties in accurately estimating market growth, the effect of military actions on government and corporate spending on information security products, spending patterns of, and appropriations to, U.S. government departments, as well as other statements. These statements are made under the "safe harbor" provisions of the Private Securities Litigation Reform Act of 1995 and involve risks and uncertainties which could cause actual results to differ materially from those in the forward-looking statements. The factors that could cause actual results to differ materially from expectations are detailed in the Company's most recent reports on Form 10-K and Form 10-Q, particularly under the heading “Risk Factors.”

(In thousands except par value amounts)
December 31, December 31,
2016 2015
Current Assets:
Cash and cash equivalents$64 $102
Accounts receivable745 580
Inventories, net45 45
Prepaid expenses75 69
Total current assets929 796
Property and equipment, net308 486
Other assets40 43
TOTAL ASSETS$1,277 $1,325
Current Liabilities:
Accounts payable and accrued expenses$896 $840
Dividends payable303 160
Obligations under capital lease, current portion139 197
Deferred revenue395 386
Total current liabilities1,733 1,583
Loan payable to officer2,885 1,530
Obligations under capital lease, noncurrent portion61 139
Stockholders' Deficit:
Preferred stock, $.01 par value:
Authorized shares – 5,000
Series 1 shares issued/outstanding–200
Liquidation preference of $1,113 in 2016 and $1,063 in 2015707 707
Series 2 shares issued/outstanding–460
Liquidation preference of $1,270 in 2016 and $1,212 in 2015724 724
Series 3 shares issued/outstanding–289
Liquidation preference of $697 in 2016 and $665 in 2015412 412
Common stock, $.01 par value:
Authorized shares – 80,000
Issued shares – 12,758 in 2016 and 12,622 in 2015
Outstanding shares – 12,748 in 2016 and 12,612 in 2015128 126
Common stock held in treasury, at cost – 10 shares(362) (362)
Additional paid-in capital56,595 56,520
Accumulated deficit(61,499) (59,947)
Accumulated other comprehensive loss(107) (107)
Total stockholders' deficit(3,402) (1,927)

(In thousands except per share amounts)

Three Months Ended
December 31,
Year Ended
December 31,
2016 2015 2016 2015
Revenue $1,410 $1,489 $6,102 $6,824
Cost of revenue 506 546 2,183 2,530
Gross profit 904 943 3,919 4,294
Operating expenses:
Sales and marketing 361 463 1,637 1,894
Research and development 591 674 2,499 2,315
General and administrative 250 281 1,190 1,227
Operating income (loss) (298)(475)(1,407)(1,142)

Interest expense, net
Other income (expense)
Income (loss) before income taxes (341)(503)(1,552)(1,249)
Income tax provision
Net income (loss) $(341)$(503)$(1,552)$(1,249)
Preferred stock dividends accrued (35)(35)(139)(139)
Net income (loss) attributable to common stockholders $(376)$(538)$(1,691)$(1,388)
Net income (loss) per share attributable to common stockholders:
Basic $(0.03)$(0.04)$(0.13)$(0.11)
Diluted $(0.03)$(0.04)$(0.13)$(0.11)
Weighted average common shares outstanding:
Basic 12,748 12,612 12,737 12,598
Diluted 12,748 12,612 12,737 12,598

Financial Contact Michael L. Paxton, VP, CFO 972.301.3658,

Source:Intrusion Inc.


text:
It's Time for the Lightning Round!

Honeywell : “Honeywell is absolutely a triple buy.”

UBS : “It’s a great franchise and it’s going to come back.” Cramer recommends pulling the trigger right here.

Cummins : “I think Caterpillar’s a better buy here than Cummins.”

Dynamic Materials : “I say be careful.” Don’t buy.

Life Partners : Cramer’s thinks Travelers is a better insurance stock to own.

Ingersoll-Rand : Warren Buffett is buying almost as much stock as Ingersoll is for its buyback. The company also just sold its Bobcat division for more than a billion dollars over the Street’s anticipated sale. And this once-cyclical company has switched to one that is much more diversified. “I think Ingersoll at $48 is a buy.”

Ametek : Precision instruments is a good business, Cramer said. He’s bullish on AME.

Aircastle : “I like this business.” But Cramer thinks AIG might be a better playnow that the Fed has blinked.

Goodyear Tire : The balance sheet is good, Cramer said. He recommends investors stick with GT.

US Bancorp : Warren Buffett likes the stock, and so does Cramer.

Jim’s charitable trust owns AIG and Caterpillar.

Questions for Cramer?

Questions, comments, suggestions for the Mad Money website?


text:
Spam Rally

We ask the boss at Spam maker Hormel, why the stay-at-home eating trade is working?

Hormel CEO Jeff Ettinger joins the panel for this conversation. Following is a summary of his main points.

Why is your business prospering right now?

"Our growth has come through innovation, particularly in the area of convenience meals," replies Ettinger. "We have a line of products called 'Hormel Completes' that grew over 60% during the quarter."

Tell us more about that line.

“The 'Hormel Completes' line is a line of microwavable trays that don’t require refrigeration and they heat up in 30 seconds. And we have 21 varieties," says Ettinger. “We’re having a heck of time just keeping up with production. We just announced a new plant that will open in 2009 dedicated to this line.”

Where are we with Spam?

“We had a fine quarter with Spam, but 2/3 of our growth in the last quarter came from the microwave area of the business,” replies Ettinger. “And some of the other areas that we’ve had success with include the Hormel Party Tray line and our Natural Choice line of products.”

Are you feeling a pinch from soft commodity price increases?

“We’re seeing cost inflation on the grain side,” replies Ettinger, “but the growth we’re having in the innovative items allows us to shine through on the bottom line."

Traders, what do you think of this stock?

I think Hormel, as well as General Mill is in the right place a the right time, says Jeff Macke.

I also like Hormel says Guy Adami. But, stop out at $40.

Got something to say? Send us an e-mail at and your comment might be posted on the Rapid Recap! Prefer to keep it between us? You can still send questions and comments to

Trader disclosure: On Feb.19, 2008, the following stocks and commodities mentioned or intended to be mentioned on CNBC’s Fast Money were owned by the Fast Money traders; Macke Owns (YHOO), (INTC); Finerman Owns (GS); Finerman's Firm And Finerman Own (CROX), (KALU); Finerman's Firm Owns (MSFT), (TSO), (VLO), (WMT), (YHOO), (AAPL); Finerman's Firm Is Short (IYR), (IJR), (MDY), (SPY), (IWM),(COF); Finerman's Firm Is Short (LEH) And Owns (LEH) Puts; Seymour Owns (INTC), (MER),(MSFT), (BLK), (GOOG), (AAPL); Seygem Asset Management Owns (CCJ), (TIE), (TSO), (EEM), (GFI) (HMY), (FMX), (FMCN); Seygem Assset Management Owns Shares Of Uranium One


text:
International Paper Profit Slips on Material Costs

International Paper posted lower first-quarter earnings on Wednesday and also fell short of Wall Street expectations as price increases failed to offset higher raw material costs.

The Memphis, Tennessee-based company's results were also hurt as its uncoated paper shipment volumes fell 7 percent in North America and 1 percent in Europe.

Net income dropped to $133 million, or 31 cents a share, from $434 million, or 97 cents a share, a year earlier.

Earnings from continuing operations, excluding one-time items, fell to 41 cents a share from 45 cents. Wall Street was anticipating 51 cents a share, according to Reuters Estimates.

Net sales rose 8.6 percent to $5.67 billion. Analysts, on average, had forecast $5.60 billion.

"The first quarter was a tough quarter," International Paper CEO John Faraci said on CNBC.
"Our input costs on, energy, wood, chemicals, freight, were up three times as much as our pricing...Having said that, it was the second best first quarter in eight years."

"If the economy is as weak as everybody is talking about, and I think it is, our results are holding up."

-- Reuters contributed to this report.


text:
Oil Spike Spoils Day On The Street

Once again,an oil spike in the middle of the day has spoiled the modest rally we were enjoying. This has happened often, of course, but today's action was a bit more disturbing. Recall that many believe that if we could only get the dollar out of its recent trading range, that would pressure commodities and provide relief to stocks.

Today, the dollar index traded at its highest levels since February, certainly above its recent range, and it did not drop commodities. Maybe a sustained rally will, but this theory has got some holes short-term.

Airlines nosedived again, with AMR, United, and US Air down double-digits.

Morgan Stanley made an interesting call, urging clients to sell energy and buy financial stocks. Gutsy, but cynics were all over this call, saying why are you selling a sector where earnings are growing to buy a sector where earnings are shrinking?

Pharmaceuticals, which should have bounced after four days of heavy selling, did not. New lows for Merck,Sanofi,Bristol Meyers .

Other Dow components at new lows include GE (our parent company) and GM .

Questions? Comments? tradertalk@cnbc.com


text:
Barbie v. Bratz: Debating the Payout

The jury Thursday begins deliberating how much money to give Mattel , if any, in its case against Bratz maker MGA Entertainment and CEO Isaac Larian.

The jury already determined that the original drawings for the Bratz dolls were created by former Mattel employee Carter Bryant while he was still under contract with Mattel, meaning Mattel owns that artwork. The jury must now decide whether the resulting 3-dimensional dolls are "significantly similar" to the drawings, making MGA and Larian potentially liable for copyright infringement.

Mattel is asking for nearly $2 billion in compensatory damages plus interest, as well as any punitive damages the jury might decide to slap on as punishment.

Here are some images the Mattel team introduced into evidence to try to prove that the dolls look very much like the drawings. On the left of each exhibit is the original sketch by Carter Bryant, followed by some tweaking, and finally the original Bratz doll on the right.

This is for the Sasha doll:

Here are closeups of what eventually became the head for the Jade doll:

And this compares the original drawing for a the face of a doll Bryant named Lupe, compared to the Bratz Yasmin doll:

MGA argues that even if jurors believe the original dolls are significantly similar to the Bryant sketches, later versions of the dolls are quite different, and Mattel did not have any copyright infringed on these items.

Here's an example of one of the latest dolls (left):

A reader who wishes to remain anonymous, thinks my coverage of yesterday's closing arguments was biased towards MGA:

"Obviously you've allowed the emotional response that MGA wanted the public to feel sway you. The 'gentle' Issac Larian simply being pushed around by the toy Juggernaut Mattel. This picture that you paint with your article is simply not true, When you examine the facts of the case it is clear that MGA not only knew they were participating in fraud but also sought to cover it up.

In our system of business, acting illegally is not supposed to grant financial rewards. This doesn't always hold true, but, hopefully, it will in this case. This is simply not an issue of a bigger company picking on a smaller one, it is a smaller one attempting to steal from a larger one!! Check your emotions at the door next time you try to write business column."

Questions? Comments? Funny Stories? Email


text:
Holding Washington Accountable for Fannie-Freddie

From our point of view, the nationalization of Fannie Mae and Freddie Mac couldn't have come sooner. In fact, if there's one problem I have with this whole situation, it's that it didn't happen months ago.

All year investors have been panicked about whether or not the government still implicitly guaranteed GSE paper, and that panic was the source of a tremendous amount of havoc in the credit markets, havoc that could've been avoided if the Treasury Department had made its move earlier or had been more pro-active in other ways. For a long time all Treasury Secretary Hank Paulson would say was that the capital levels at Fannie Mae and Freddie Mac were fine. I bet that was real encouraging for all the institutions that owned agency paper. I'm sure Treasury officials were all shocked this weekend when they found out that Freddie Mac was overstating its capital cushion (although doing so in a perfectly legal manner). Haven't these guys been paying attention?

Fannie and Freddie together own the majority of crummy mortgages in this country, so you'd think with so many other banks saying their capital reserves were just fine and then abruptly announcing the need to raise capital – see Merrill Lynch among many, many others – the Treasury Department might have decided to take a closer look at Freddie and Fannie's books before last week, given what the rest of the financials were going through. But no, it was like they were looking at Fannie and Freddie in a vacuum, without using what they knew about other mortgage lenders to draw any kind of inference about these two.

The Treasury Department has something like 115,000 employees and a $12 billion budget. Why can't they hire some people to do the kind of homework that led most money managers to sell Fannie and Freddie down to the single-digits? Why couldn't the Federal Reserve have some staffers do the kind of bottom-up analysis, rather than their myopic focus on top-down macro analysis, that led Jim to call for lower interest rates while the Fed was still worried keeping rates high to fight inflation that was beyond its control?

It seems to like these guys get points for taking their time, letting the situation unfold, and only taking decisive action when they've run out of other choices. They should be castigated for that kind of behavior. They're always being reactive rather than pro-active, wanting to be able to say, "Look, we waited and waited and it didn't get better," or, "We had to be sure there were no other options." What kind of attitude is that when the option they're avoiding is a good one? It's the pure logic of laissez-faire taken to its dangerous conclusion – the Hippocratic Oath for doctors is "first, do no harm," for economic policy-makers the motto seems to be, "first, do nothing." Letting a bad situation fester and hoping it will get better instead of taking action that you know will cause immediate improvements is not responsible. It's lazy and it's reckless, and I wish someone would call them on it instead of treating the Fed and the Treasury, but the Fed especially, like the ancient Greeks treated augurs who would look at goat entrails to predict the future, with way too much faith and a horrifying lack of skepticism.

The lack of accountability for the wise men who direct our fiscal and monetary policy is outrageous. This stuff IS NOT rocket science. Greenspan just made it look that way because he was a terrible communicator. In France Louis XVI went through 15 finance ministers (if you count Necker multiple times) in 17 years, and many of them were fired due to popular pressure from the illiterate Parisian masses. In the last 29 years we've had three Fed chairmen and I'd be surprised if most Americans knew the current guy's name, let alone his job description. I'm not suggesting that America in 2008 has anything in common with pre-revolutionary France – their economic problems were far worse than ours--but we could do with a little more Ancien Régime style accountability.

Cliff Mason is the Senior Writer of CNBC's Mad Money w/Jim Cramer, and has been that program's primary writer, in cooperation with and under the supervision of Jim Cramer, since he began at CNBC as an intern during the summer of 2005. Mason was the author of a column at TheStreet.com during 2007, which he describes as "hilarious, if short-lived." He graduated from Harvard College in 2007. It was at Harvard that Mason learned to multi-task, mastering the art of seeming to pay attention to professors while writing scripts for Mad Money. Mason has co-written two books with Jim Cramer: Jim Cramer's Mad Money: Watch TV, Get Richand Stay Mad For Life: Get Rich, Stay Rich (Make Your Kids Even Richer). He is 100% responsible for any parts of either book that you did not like.

Mason has also had a fruitful relationship with Jim Cramer as his nephew for the last 23 years and will hopefully continue to hold that position for many more as long as he doesn't do anything to get himself kicked out of the family.

Questions for Cramer? madmoney@cnbc.com

Questions, comments, suggestions for the Mad Money website? madcap@cnbc.com


text:
Mortgage Rates Slide, But Not Enough to Spur Buying

Mortgage rates are continuing to slide, sparking increased interest in home buying and even more in refinancing, but the spike may prove weak as the economy continues to stumble.

Also, more people will find they do not qualify under today's tougher lending standards.

The crisis on Wall Street is fueling worries about the broader economy—especially jobs—so Americans aren't in the mood for big purchases like a house.

“Even though it costs less to have a mortgage you have to make damn sure that you are still going to have a job in six months before you go out an buy a house,” said Michael Larson, Real Estate Analyst for Money and Markets newsletter.

Another factor: home prices are still falling and are expected to continue declining well into next year, so there's plenty of reason for people to wait.

“Even though we seeing lower rates, the outlook for house prices is that they are likely to deteriorate for the next 12-18 months,” Larson said.

Thirty-year fixed mortgages rates dropped 0.28 of a point this week to 5.73 percent as the government takeover of mortgage giants Freddie Mac and Fannie Mac eased worried about the availability of money for home loans.

The average rates on 5/1 adjustable-rate mortgages (ARM) slipped 0.06 point, to 5.56 percent on Wednesday, according to Bankrate.

The Mortgage Bankers Association reported Wednesday that their Refinance Index jumped 88 percent this over last week, but this is from a low base, does not sift out multiple applications and counts applications, not approvals.

"Remember these are just applications, it doesn't mean they get approved, and many people are going to find out they don't quality," said Larson.

Even before the Fannie/Freddie takeover, mortgage rates were dropping due to a weakening economy and easing fears of inflation.

From a high this year of 6.58 percent on 30-year fixed mortgage—reached in early August— rates are off about one percentage point, with half of that coming from the governments’ recent move, and the balance from weaker economy.

But since Tuesday mortgages jumped back up a quarter percentage point, noted Larson, probably reflecting higher inter-bank lending rates.

Wall Street’s recent turmoil is aggravating those concerns, Jane Fairweather, a real estate agent in Bethesda, MD told CNBC’ Diana Olick.

“People are worried about their jobs and what’s in the pipeline, how many people are going to be affected,” Fairweather said.

Home prices in her area, high compared to the national median, have come down about 12% since the lackluster spring season, but the lower mortgage rates are still not making them buy more. The “Wall Street debacle just frightens people that much more.”

See below how the surprising jump in August unemployment couldn't have come at a worse time for the already struggling housing market.

Holden Lewis, of Bankrate, says the recent drop in mortgage rates would have stimulated more market activity, if it were not depressed home equity values.

“This is the big stumbling block for a lot of a people – either they owe more than the house is worth and they can’t refinance, or they got a loan without mortgage insurance.”

Without protection against falling equity values, many home owners now own less than 20 percent of the equity in their homes, which requires getting mortgage insurance.

But the cost of mortgage insurance “would cancel out the savings from the lower mortgage rate,” he notes, adding that the market for home equity or piggy-back loans has virtually dried up.

Those that can afford to refinance have probably already done so, when rates dipped below 6% in May or January.

Still the Mortgage Bankers Association Refinancing Index rose 15.4 percent in the week ending September 5.

Still, Larson says now is the time to “at least get on the phone with your lender and find out what the costs are because those costs have gone done.”

At the same time he does not expect much of spike in the housing market activity until rates, which are roughly in line with the average over the last six years, drop even more.

”If we get 30 year fixed mortgages rates down to the low fives then you are talking about a much bigger refinance wave and much cheaper home financing, but it’s an open question whether we will get there,” said Larson.

Mortgage rates could come down in two main ways. In the short-term the government could push down yields on mortgage-backed securities by buying more, an action Washington said it would reserve for itself when it announced the Fannie and Freddie takeover decision.

The other way mortgage rates could decline is if the economy weakens but then fewer people will be in a position to buy.

“We would need to see more horsepower out of this move or an even bigger decline…for people with fixed mortgages to get much out of the bargain - and that could happen if the economic really slumps, ” said Larson.


text:
CNET también está disponible en español.

Ir a español

Don't show this again

Tech Industry

Verizon gets aggressive on mobile broadband

Verizon Wireless cuts the price of its wireless broadband service by 25 percent as it expands its footprint.

Verizon Wireless is turning up the heat on the nascent wireless broadband market as it expands into new cities and slashes prices 25 percent.

On Monday, the wireless provider, owned by Verizon Communications and Vodafone, announced that it is lowering prices on its wireless broadband service to $60 from the previous price of $80 a month. It also announced that it has expanded the service--which is based on a technology called EV-DO, or Evolution-Data Optimized--into seven new markets, bringing the total number of markets served to 60.

The new price is only available to customers who also subscribe to a Verizon Wireless voice plan, and it requires customers to sign a two-year contract.

The new price cut has surprised some analysts because Verizon Wireless' competitors are just now starting to offer comparable services of their own.

"Verizon is acting like it's a price war when there isn't anyone else really competing against them yet," said Albert Lin, a telecom analyst with American Technology Research who first wrote about the price cut in a research note to investors published last week.

But it won't be long before Verizon's two main competitors, Sprint Nextel and Cingular, become a greater competitive force. Last month Sprint began offering its wireless broadband service. It will be in 14 markets by the end of the quarter and will be in 60 metropolitan areas by the end of 2005, said John Polivka, a spokesman for Sprint Nextel.

Cingular, owned by BellSouth and SBC Communications, plans to offer its ultra-fast wireless service, based on technology called UMTS (Universal Mobile Telecommunications System), in 15 to 20 markets by the end of 2005. By the end of 2006, it will be available in 100 top markets, said Ritch Blasi, a spokesman for the company.

For the last couple of years, Cingular has been offering a slower Internet access service called EDGE, which provides download speeds between only 100kbps to 135kbps. It also offers a service in six markets that provides download speeds between 220kbps and 320kbps. It will go live with a 400-to-700kbps service later this year, said Blasi.

Sprint Nextel and Cingular are both offering unlimited wireless broadband service for about $80 per month. So far neither company has indicated that it plans to reduce prices on its service.

"We intend to remain competitive," said Polivka of Sprint.

Cingular may be behind its competitors in terms of building out its footprint, but it could turn out to be Verizon's biggest threat. Unlike Sprint Nextel and Verizon, which both use the EV-DO technology, Cingular has built its wireless data network around a technology called GSM or groupe speciale mobile, a wireless standard used throughout Europe and Asia.

As a result, Cingular will get the latest and greatest handset equipment before Verizon or Sprint Nextel. For example, Motorola's new Moto Q handset, which will compete head to head with RIM's BlackBerry device, will initially be available only on GSM networks and, therefore, available to Cingular. Cingular can also market its service and products to multinational corporate customers, since its phones, handheld devices and network cards can be used in countries throughout the world.

"The GSM carriers definitely have an advantage," Lin said. "And that could be part of what is motivating Verizon to try and sign up as many customers as it can. It could be part of a pre-emptive strike to lock in business now. If they wait too long they lose the chance for an easier sale."

Some analysts wonder if Verizon may be cutting prices because it's having trouble selling the $80 service.

"The $80 price tag could be too high," said Daniel Zito, an analyst with Legg Mason.

But Verizon insists that isn't the case.

"The service is selling just fine priced at $80 per month," said Nancy Stark, a spokeswoman for Verizon Wireless. "We felt the timing was right to offer a special offer to existing and new customers because our footprint has reached a significant size."

While Verizon may not be facing competition and pricing pressure from other cellular carriers right now, it's facing competition from other technologies, namely Wi-Fi. Many cities, including San Francisco, New York and Philadelphia, are planning to build Wi-Fi networks that will allow users to wirelessly access the Internet throughout each city. The technology has already proven to be extremely popular in airports and cafes, which offer it free or for a nominal cost.

The advantage that a service such as Verizon's brings to the table is that it reaches much longer distances than Wi-Fi. While Wi-Fi has a range of about 350 feet indoors, consumers with EV-DO can get service anywhere a cell phone signal is available.

But there are other emerging technologies that will also likely compete with cellular-based broadband services. For example, some phone companies are dabbling with a new technology called Wi-Max, which provides speeds comparable to those offered by Wi-Fi but reaches longer distances. BellSouth is currently testing a version of the technology to provide fixed Internet access to college students in Athens, Ga. In the next few years, the technology, which is heavily touted by semiconductor giant Intel, is expected to also be used in mobile applications.

Regardless of the technology that's used, Verizon needs to be at the forefront of wireless broadband, said Lin.

"Verizon's future is tied to wireless broadband," he said. "About 100 percent of its growth comes from wireless revenue and the fastest growing pieces of that business are non-voice services. It's definitely an important market for them."


text:
MPV Hire

Here at Coach Direct, we are one of the UK's leading providers of MPV hire. We can help you to get to and from an event in comfort and style.

Mercedes Benz MPVs

Mercedes Benz has long held a reputation as one of the world's most famous luxury car manufacturers. Their range of MPVs is no exception to this, offering some of the most comfortable, dependable, and above all, flexible transportation around. All of our MPVs come equipped with the following features:

  • Leather interior
  • Privacy glass
  • Conference table
  • Dual zone air conditioning
  • Space for up to 7 passengers plus luggage

One of the main advantages of an MPV over other types of vehicle is the versatility it offers. The interior of our MPVs can be adapted to suit your individual circumstances. For example, if you need extra load capacity, you can remove some of the seats to make more room. The seats can also be configured in a number of ways and can fold to create a handy table, helping you to make the most of your journey.

Larger vehicles

For larger parties, we have a number of larger vehicles such as mini and midi-coaches, which offer the same levels of comfort and style.

Extra services

As well as MPV hire, we also offer a range of additional services which can help you to plan and co-ordinate any event. These include catering, hospitality and accommodation, all of which can be arranged for you on request.

Contact us today

To discuss your requirements in further detail, why not contact one of our friendly advisers today on: 0843 0843 001. If you'd prefer, you can fill in an online enquiry form and we'll get back to you.

Our Partner Sites

Blog Customers Log-In Operators Log-In


text:
Monday, December 17, 2018

“Beige is atmosphere. It’s bisque, it’s ivory, it’s cream, it’s stone. It’s toast, it’s cappuccino. It’s well, it’s magic.”

~ Albert Hadley

Years ago, when I was still living in Iowa, I attended a conference for Educators at the State Capital. The meetings were held in late November, after the chill of winter had settled over the Midwest, creating a landscape of gray. We had an excellent motivational speaker who addressed the general assembly on the first day. This gentleman was clearly from a state in the South where grass stayed green and flowers bloomed 365 days a year. As he looked over the hundreds of us in the audience in our gray suits and black dresses, he said, “Do y’all realize you’re dressed in colors that are the shades of dirt?”

Photo by Laurie Kasperbauer
Yoga provides a neutral backdrop for a colorful and beautiful lifestyle.

I laughed out loud. Guilty as charged. In fact, as I thought about the contents of my wardrobe in that moment I could come up with nothing more colorful than navy blue. Looking around the room there were splashes of red and gold but the guy was right, from his angle, we probably looked like a field of newly tilled soil.

When we moved to Florida, I decided to leave behind much of my black attire. I can’t say that I’ve gone full-color, but the hues have lightened a little in my closet, which brings me to the present.

This summer I decided to ditch the dull, plastic pots that skirt our swimming pool and replace the Areca Palm that are stunted in their confines, so I set out to a store that sells large clay pots. I was greeted at the store by a bouquet of a woman. This lady smiled wide and spoke without a filter in colorful bursts of observation. I liked her instantly.

“What are you looking for?” she asked.

“I’m not exactly sure,” I replied. “I’m just tired of what I have and I want to add a little color. I guess I’ll know it when I see it.”

“Hmmm… Well, let’s walk back here and take a look,” said the Bouquet.

As we hustled through the flora toward the garden of pottery, she turned and looked at me. “Beige,” she said. “I think you’re a beige girl.”

I felt slapped. “No, oh no!” I sputtered. “I love color! Especially blue! Look, I have this turquoise wallet… ” and I dug wildly through my bag so I could prove to this woman that I did, indeed, appreciate color.

“Well,” she said, “I’m just looking at your outfit today, thinking that beige might be what you like.”

I looked down at myself. Gray shirt, white pants, tan sandals, brown bag. The turquoise wallet in my hand looked embarrassed. “Let’s check out the blue pots,” I croaked. So, we did. And they were beautiful and vibrant and showy and exciting! Then I gazed off to one corner and saw the perfect pots. The right height, shape… color. “What about those,” I asked.

“The beige ones?” She asked.

“I thought they were white. And look, if you get up close, you can see little flecks of blue.”

“Uh huh.” She didn’t have to say, “I told you so.” She was right. I am beige.

Beige is neutral. It’s not colorless, it’s chameleon. It compliments the colors around it. Beige hangs out quietly in the background, giving red the contrast it needs to shine. Beige is calm, not complicated. Beige is inclusive.

My house is beige. Every inch of paint, inside and out, came from a color card that highlights “accessible beige” as the primary hue. Four new chairs were delivered last week. Beige. I have two dogs. One is brown. One is multiple shades of brown. It’s OK. I’ve been married for 38 years to the same man and he is not beige. He is very colorful. Especially his language when he can’t get the kitchen faucet to stop dripping. Maybe that’s why I’m beige.

Beige is neutral. It’s not colorless, it’s chameleon. It compliments the colors around it. Beige hangs out quietly in the background, giving red the contrast it needs to shine. Beige is calm, not complicated. Beige is inclusive. It can go anywhere with anything. I can throw a teal pillow on my beige sofa and make it feel fresh. I can gesso a canvas in beige acrylic, and splash a masterpiece of color over the top. The seeds of crimson poppies and sapphire delphinium are beige. The cobalt sky is highlighted by the passing white clouds. The turquoise Gulf water is complimented by the color of sand. Beige is reflective. Beige is light.

I think yoga is beige, because for me, yoga practice is the foundation of movement and breathwork that we build upon throughout our daily lives. When our world starts to slip off balance; maybe when it gets a little too orange or we see nothing but purple, we come back to neutral. Our bodies find stillness in hues of white. Our breath draws in calming threads of ivory. Our minds are washed clean through alabaster visions.

I guess the beautiful bouquet of a woman at the pottery store was right. I am beige. And that’s OK with me.

Laurie Kasperbauer, RYT 200, enjoys the spiritual and physical benefits of yoga practice and instructs both group and private classes. Laurie is also an active Florida realtor specializing in properties in Naples and Marco Island. She can be reached at Harborview Realty, 291 S. Collier Blvd., Marco Island, or by calling 712-210-3853.

Leave a Reply

Your email address will not be published. Required fields are marked *


text:
Brownsville Metropolitan Planning Organization

Public Notice 12-09-18_Page_1
Public Notice 12-09-18_Page_2
Public Notice 11-11-18
Welcome and thank you for visiting the Brownsville MPO website!

The Brownsville Metropolitan Planning Organization (MPO) provides administrative support and technical services to coordinate, carry out and conduct transportation planning for Brownsville, Los Fresnos and the Town of Rancho Viejo to conform to federal highway and transit regulations.

The activities conducted by the Brownsville MPO are intended to identify policies, programs and improvement projects to address area transportation activities and needs. The adoption of transportation plans and policies by the MPO is an integral step in the process of obtaining federal funding of various transportation improvements, including transit activities

You may also visit our independent  website "" to read and learn more about the Brownsville MPO.

Also, follow us on Facebook and give us a like!


text:
Coffee Time Romance & More

Hang on to your seats, because you're about to enter a world of romance, suspense, and fast paced action!  We're lucky to have with us today Sue Swift, author of her newest release, Spy Game.

There are two sides to each one of us. Tell me about Sue the woman, and Sue the writer. How do they differ, what makes them similar, and just what inspires each of them to do her best?

Sue the writer has taken a back seat to Sue the person.  I have undergone a lot of changes in the last few years, including the deaths of my brother, my dearest childhood friend, and my marriage, so working on personal goals; i.e., learning what happiness is and how to attain it, are what's important in my life.  My writing career is, frankly, less important than my personal goals.

And with all the emotional hard knocks, the writing has really suffered. I have been working on my current work in progress for a year, and though I'm close to writing "the end", it's not yet finished.  Compare that to those times in my life when I've written six books in eighteen months!

As a writer, I've had to learn tolerance and patience. I know I have to wait until my Muse reawakens.  She's showing signs of life, and that's
Tell us about your book, Spy Game.

I think that Spy Game is one of the best books I've written. In it, fledgling secret agent Ani Sharif has finally drawn her first undercover assignment. If she fails, her career is finished before it's properly begun. She has to get aboard the yacht of cyber-magnate Richard Rexford to break into his laptop, because he's suspected of selling top secret Defense Department software secrets to the Chinese via that computer.

She's masquerading as a webhead, and doesn't reckon on falling in love with Richard. Nor does she believe he can discover her true identity. But Richard is smarter than she initially understands. After they fall for each other, what will happen if he finally pierces her veil of deceit?

This book underwent a number of changes; in the first version, Ani Sharif was named Tyra and wasn't a spy at all! The evolution of Spy Game illustrates the value of creativity and perseverance.

I love the cover for this book. How much say do you have in the process AFTER writing? Do you enjoy having 'hands on' experience, or would you rather just write and pass it along to the next set of experts?

Most of the publishers I've worked with have allowed considerable input into the covers. As for the final copy, that is under my control to an even greater degree.
Do you have a favorite book that you've written? If so, what was it about this particular book that stayed with you? If not, do you think you still have that special story hiding inside, ready to come out?

My fave would have to be Spy Game, or perhaps a book I published as Suz deMello called Seducing the Hermit.  It's erotica and very hot, but that's not why I like it. I love it because it's the most layered and complex of my books. It's actually a retelling of the Fisher King myth, one of my favorite legends. I also have a hockey novel on tap that I hope sees the light of day soon, and it's also a very good book.

After writing so many novels, do your characters tend to share characteristics? Do you find it difficult to come up with new personalities, new looks, etc?

The characters tend to be quite varied but I find it hardest to come up with conflicts that are new.

Where could we go to learn more about you?  What would we be shocked to learn?

My sites, of course, especially, or my old travel blog, Travel as Metaphor. I don't blog much anymore since I find it takes time away from writing, working out and just living.

I'm not sure that anything about me would shock someone else. I'm really quite ordinary. Whether or not someone is shocked by me depends upon them, not me!

There's also a lot of other stuff at my sites.  There's always a contest and lots of excerpts.

Please feel free to share some excerpts and/or reviews with us. We'd love to hear what the reviewers are saying about this newest release.

I got a wonderful review from Publisher's Weekly, which called Spy Game "a fast-paced romantic romp." If any of your readers want the full review, they can contact me at

Also, Harriet Klausner gave the book five stars.

With the New Year in full swing, many of us have made resolutions. Have you done this? If so, have you kept it so far; and if not, what keeps you from making them?

Well, I'd like to finish the book I'm working on and start another.

If you had one place in the world that you could travel to, where would it be, and why? What would you take with you?

I travel quite a bit and consider travel one of my hobbies. I want to go to Europe again this year to attend the Women's Fiction Festival in Matera and hope that the weakness of the US dollar won't stop me. I dream of earning a quality credential in teaching English as a foreign language and living overseas.

I don't take anything special. I lived abroad for six months about a year ago and foolishly took my hockey bag with all my equipment; that was insane! I got on the ice only a handful of times. When it comes to travel and packing, less is more. Few places you'll go will lack anything you need. For example, I lived in Thailand for four months and all my needs and wants were met.

What can readers expect from you in the future? More suspense, or is there another genre you're dying to try?

I really like to write short, sexy books in a variety of genres, though I do have a couple of suspense manuscripts ready to roll.

Thank you, Sue, for taking time to answer these questions.  I enjoyed learning more about you, and wish you all the best with your future writings and traveling!

Awards | Author Services |  Contact Information  | New Author Information


text:
Redder Web development

About The Fabulous La Voix Live at Camberley Theatre

EventsMayThe Fabulous La Voix Live at Camberley Theatre

La Voix’s new show is a feast for the senses, with a show featuring her amazing live musicians, side splitting comedy and incredible Live singing and vocal impressions.

Expect a show like no other, receiving outstanding 5 star reviews the show will feature the biggest divas from around the globe as La Voix wows you with her vocal impressions including Cher, Shirley Bassey, Liza Minnelli, Tina Turner and many more!

La Voix delivers precise sound alike performances of the biggest divas from around the globe, featuring Cher, Liza Minnelli, Shirley Bassey and many more!

Not only does La Voix have one of the most powerful voices in the business, her comedy is lightning fast and stomach punchingly funny!

La Voix and her musicians will take you on a journey exposing, analysing and satirically delivering an evening of Judy Garland, Liza Minnelli, Shirley Bassey and Cher.

La Voix delivers dazzlingly precise sound-alike performances along with an abundance of laughter! It'll be an evening of live diva anthems, fun, and spontaneity with the chanteuse La Voix.

Click here to book your tickets now

View Larger Map

Knoll Road, , Camberley, Surrey GU15 3SY

Friday 25 May 19:30
Friday 25 May 22:30

How much?

Adult: £19.50

Book online now

Where to stay

Find a great place to stay for your visit to Camberley

where to stay

Pirates Landing

Receive 20% off entry!

**EXCLUSIVE TO INDUSTRY INSIDER CARD HOLDERS ONLY** Use your card to receive 20% off your entry at Pirates Landing. For more details please contact a member of the Pirates Landing Team! Not...


text:
A Fashionable History: '40s Edition

Despite wartime limitations, this decade had style.
Publish date:
Women at work on bomber, Douglas Aircraft Company, Long Beach, California (1942) (credit: Wikimedia)

Women at work on bomber, Douglas Aircraft Company, Long Beach, California (1942) (credit: Wikimedia)

I know I talked a lot in my last article about how 1950s fashion was about breaking free from the minimalism and austerity of the 1940s. Of course, now that we’ve actually made it to our 1940s fashion article, I need to reassure you that the ‘40s still have a lot to offer. In fact, the impact that the war had on women’s fashion was huge.

Not only did WWII separate America from the Parisian designers who previously led American trends, it also limited the materials and designs clothing manufacturers - and at-home seamstresses - could use.

After the war, of course, the separation from Europe allowed room for American designers and fashions to gain popularity. The war also made way for opulent and colorful trends that sought to make up for the wartime austerity. But even during the war, there were a lot of looks worth discussing. One definitely has to admire how even with the limitations placed upon them, women still managed to find their own styles.

I won't go too deep into the fashion of this decade in the overview section, as the three looks below are tied to historical events, but here's a quick look at 1940s fashion:

1940s Fashion Overview

Prior to WWII, America was still in the Great Depression of the late '30s, so fashion wasn't of much concern to the nation, even prior to the war. Nevertheless, the war brought about many sartorial changes. Fashion became more casual, as rationing limited how much fabric could be used in clothing, bringing skirts shorter and tighter, and many of the accessories that defined pre-war fashion were no longer available. Gloves and hats were still a must for women, but nice stockings were hard to get ahold of, and corset makers and materials were needed for the war effort instead.

In Britain, designers came out with Utility fashions, which were designed to make the most of the wartime silhouettes and fabrics, and the motto of many became 'make do and mend' as books gave advice for how to repurpose old curtains and suits into cute new frocks.

Additionally, women had to take over many traditionally male jobs, like factory and farm work, so trousers and jumpsuits became the uniform of many working women. And speaking of uniforms, numerous women became part of the military as well, and the uniforms designed for them inspired fashion in the years to come.

Outfits Inspired by 1940s Fashion

If you're interested in seeing how you can add a bit of vintage 1940s fashion trends to your wardrobe, I have three 1940s outfits, going from slightly '40s, to mostly '40s, to super '40s . Additionally, I also tried to vary the inspiration from different parts of the '40s. I hope you can find something that inspires you!

Outfit #1: Stars and Stripes Forever

Products: Overalls, Top, Boots, Headband, Lipstick

Admittedly, the clothing worn by women who took over farm and factory work while the men were away was never intended to be fashionable. These duds were purely practical and often considered pretty unflattering and shapeless by the women who had to wear them. That being said, the styles worn then did still have a huge impact on fashion after the war. Additionally, Rosie the Riveter is a pretty iconic figure from this era and it seemed wrong to pass her by.

We tend to associate overalls with the '90s, but denim jumpsuits and coveralls were more or less the uniform for factory workers. Though a button-down is what would typically be worn underneath, this white t-shirt is a bit more modern, especially when paired with hiking boots, my take on the practical work boots the women would have had to wear.

The girls working in the factories were also required to tie back their hair in turbans and handkerchiefs, so I've included a red bandana to hold back your own locks. Women were still encouraged to primp and take care of their appearances in order to keep up morale, so red nail polish and lipstick brightens up this look.

Outfit #2: Bloomer Girl

Products: Pants, Top, Shoes, Earrings

One thing we can definitely thank the war for is the beginning of women wearing trousers. Prior to the war, pants were still considered scandalous and were only worn by ultra-wealthy women who could push the fashion boundaries. Having experienced the freedom and comfort of trousers while working, though, women decided the trend was here to stay.

Original 1940s trousers were still reminiscent of skirts, though, with wide legs, so I picked these cute nautical-inspired ones. A bright crop top is a modern take on the knits that a classy '40s lady would have worn, as bright fabrics came back after rationing ended. Rather than going with low heels, I picked a pair or cute flats and finished the look with these bold statement earrings.

Outfit #3: Save a Dance

Products: Skirt, Top, Shoes, Purse, Earrings

I was really tempted to do an outfit inspired by women's military styles during the war, with short belted jackets and slim knee-length skirts, but in the end I chose a more homefront-inspired look. Blouses with skirts, rather than full dresses, were just starting to come into fashion, and collared shirts were all the rage. Rather than a midi length skirt, I chose one closer to knee length, as rationing limited how long and full skirts could be.

Rationing also dictated which fabrics and dyes could be used, so I picked a more toned-down color palette. I did add a pale blue purse for a pop of color, though. I finished off the look with vintage-inspired t-strap heels and simple earrings. Of course, if you want a look that's truly of the era, a stylish hat never goes astray.

More Styles by the Decade:

Want to travel to a different decade with your style? See my other posts on '90s fashion, '80s fashion, '70s fashion'60s fashion, and '50s fashion for more!

What's your opinion on '40s fashion?

Are you planning to incorporate 1940s style into your look this year? Are there any 1940s fashion trends you think I should have included? What's your favorite '40s look? Let us know in the comments, we'd love to hear from you!

Related Stories


text:
Skip to main content area Skip to sub-navigation
Skip to main content

Writing Center Resources For Faculty

Classroom/Writing Center Visits

A member of our staff would be happy to stop by your classroom for a quick introduction to the Writing Center and what we can do for students. Alternatively, we’d love for your class to come visit us in Tutt Library, so students can see where we are located. A basic introduction should take 5-10 minutes. To schedule a class visit, please contact Chris Schacht at

Course Workshops

Writing Center staff lead multiple student workshops every block, covering topics from reading skills, brainstorming, and drafting, all the way to leading peer review sessions. These workshops are tailored specifically to the course, and so require communication with faculty and time for preparation. To schedule a workshop, please contact Chris Schacht at

Assignment Design and Course Pacing

As course instructors, we understand the difficulty in creating writing assignments. An assignment must set clear expectations for students, while also challenging them to advance their rhetorical and critical thinking skills. We offer strategies for writing assignments that include scaffolding, rubric design, and pacing the assignment within the block so that students have opportunities to engage in the writing process. To discuss assignments and syllabi, please contact Kat Bell at

Professional Consultations

Besides assignments, staff are available for consultations on other faculty/staff writing, including but not limited to article drafts, book chapters, and grants. Similarly, since our staff has experience with publishing and grant writing, we can offer help with addressing feedback from editors and grant reviewers. To find out more or schedule a consultation, please contact Kat Bell or Chris Schacht

FYE Writing Fellows

We are currently piloting our FYE Writing Fellows, dedicated peer consultants who are able to provide 20 hours of writing support per block (40 hours over two blocks). The Writing Fellows are assigned to just one course, working with the professor(s) to facilitate workshops and one-to-one consultations with students. For more on Writing Fellows, please contact Kat Bell at

FYE Writing Evaluations

For more on Writing Evaluations, please follow the link.

Writing Intensive/Writing in a Discipline Courses

For more on Writing Intensive/Writing in a Discipline Courses, please follow the link.

You can also use the following links to read the Writing Intensive and Writing in a Discipline course goals and guidelines.


text:
Roasted Potato Wedges – Becca Barnett, Culinary Student

2011 San Luis Valley Potato Professional Chef Cook-Off 5th Place

Servings: 6

  • 2 lbs  Colorado Red potatoes
  • 1 tbsp  Garlic Salt
  • 2 tsp  Dried crushed mint
  • 1 tbsp  Dried rosemary
  • 1 Red onion, cut into wedges
  • 1 Red pepper, cut into thin slices
  • 1/4 cup  Extra virgin olive oil
  • Fresh basil – garnish

Preheat oven to 425 degrees.
Cut potatoes into 1/4 pieces. Put cut potatoes in mixing bowl. Drizzle EVOO over potatoes, spreading evenly. Add each seasoning, mixing well so they are distributed equally. Place on cooking sheet and put in oven for 20-25 minutes, until potatoes are tender. Take out halfway through and flip potatoes so they cook evenly.
Mix EVOO and seasonings with the onions and peppers. Place on separate cooking sheet and cook for 8-10 minutes, until they are tender.
Plate and eat!


text:
#0031a2 Color Information

In a RGB color space, hex #0031a2 is composed of 0% red, 19.2% green and 63.5% blue. Whereas in a CMYK color space, it is composed of 100% cyan, 69.8% magenta, 0% yellow and 36.5% black. It has a hue angle of 221.9 degrees, a saturation of 100% and a lightness of 31.8%. #0031a2 color hex could be obtained by blending #0062ff with #000045. Closest websafe color is: #003399.

    • R 0
    • G 19
    • B 64
    RGB color chart
    • C 100
    • M 70
    • Y 0
    • K 36
    CMYK color chart

#0031a2 color description : Dark blue.

#0031a2 Color Conversion

The hexadecimal color #0031a2 has RGB values of R:0, G:49, B:162 and CMYK values of C:1, M:0.7, Y:0, K:0.36. Its decimal value is 12706.

Hex triplet 0031a2 #0031a2
RGB Decimal 0, 49, 162 rgb(0,49,162)
RGB Percent 0, 19.2, 63.5 rgb(0%,19.2%,63.5%)
CMYK 100, 70, 0, 36
HSL 221.9°, 100, 31.8 hsl(221.9,100%,31.8%)
HSV (or HSB) 221.9°, 100, 63.5
Web Safe 003399 #003399
CIE-LAB 26.171, 33.813, -63.911
XYZ 7.619, 4.805, 34.706
xyY 0.162, 0.102, 4.805
CIE-LCH 26.171, 72.305, 297.881
CIE-LUV 26.171, -10.902, -79.299
Hunter-Lab 21.919, 23.682, -78.534
Binary 00000000, 00110001, 10100010

Color Schemes with #0031a2

Complementary Color
Analogous Color
Split Complementary Color
Triadic Color
Tetradic Color
Monochromatic Color

Alternatives to #0031a2

Below, you can see some colors close to #0031a2. Having a set of related colors can be useful if you need an inspirational alternative to your original color choice.

Similar Colors

#0031a2 Preview

Text with hexadecimal color #0031a2

This text has a font color of #0031a2.

Text here
#0031a2 background color

This paragraph has a background color of #0031a2.

Content here

#0031a2 border color

This element has a border color of #0031a2.

Content here

CSS codes
.text {color:#0031a2;}
.background {background-color:#0031a2;}
.border {border:1px solid #0031a2;}

Shades and Tints of #0031a2

A shade is achieved by adding black to any pure hue, while a tint is created by mixing white to any pure color. In this example, #000205 is the darkest color, while #f0f5ff is the lightest one.

Shade Color Variation
Tint Color Variation

Tones of #0031a2

A tone is produced by adding gray to any pure hue. In this case, #4b4f57 is the less saturated color, while #0031a2 is the most saturated one.

Tone Color Variation

Color Blindness Simulator

Below, you can see how #0031a2 is perceived by people affected by a color vision deficiency. This can be useful if you need to ensure your color combinations are accessible to color-blind users.

  • #2f2f2f Achromatopsia 0.005% of the population
  • #262f46 Atypical Achromatopsia 0.001% of the population
  • #004588 Protanopia 1% of men
  • #004975 Deuteranopia 1% of men
  • #004f52 Tritanopia 0.001% of the population
  • #003e91 Protanomaly 1% of men, 0.01% of women
  • #004085 Deuteranomaly 6% of men, 0.4% of women
  • #00446f Tritanomaly 0.01% of the population


text:
Slim Wall Photo Calendar

Step 1 - Configure Your Product...

Total ( Including VAT & Delivery )£ 9.98

Browse All Templates

Choose Your Design

Product Details

  • Personalise your calendar and start from any month and any year you wish.
  • Add your own dates and events, personal to you to create a truly unique calendar - never miss an important date again!
  • Wiro-bound with thumb hole and hanger bar ideal for wall hanging. Printed to a Premium quality gloss board
  • Calendar is Slim Wall (148mm wide x 420mm high)
  • Choose from an extensive range of templates

Easy to use software - create the perfect calendar...

It’s simpler than ever to add your special dates to your calendar - add anydate you require using our simple tool in the designer studio.

product image
product image

Product Review


text:
Dr Teal’s Body Scrub and Wash

I have been using The Dr Teal's product range well over a month now, all thanks to the Original Cosmetic I received both Eucalyptus and spearmint Epsom salt body scrub and Eucalyptus and spearmint body wash. The Dr Teal's is an American brand that focuses on mind and body. Creating products infused with oils and scents to give a relaxed, replenished and rejuvenated…read more

Scent of a woman- Perfumes

I wouldn’t really call myself a perfume collector or eager to try out new perfumes, I’m more about, if I smell something really good on someone and it lingers even after seeing them, then I know it’s something I want. One of that is the @lancome perfume La via est belle which is really sensual and now I’ve added three…read more

My 3 Breakfast Choices

I'm not much of a cook and breakfast isn't really my favourite meal to have, I tend to feel its too early but a few months ago when I started eating healthy and working out 5 times a week sometimes 4 but consistently, I started to pay more attention to what I was eating and that meant I had to…read more

When I say Absolutely affordable I mean Absolute Iconic Mini palettes. I’m not against  splurging on makeup but more often than non I'm looking for affordable products that deliver and the Absolute Iconic Mini Eye-shadow palettes are mini treats worth having. The Absolute iconic mini palettes are affordable and really handy for creating simple day to night looks. One of…read more