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After you have applied for a home loan, it is important to respond promptly to any requests for additional information from your lender and to return your paperwork as quickly as possible. Waiting too long to respond could cause a delay in closing your loan, which could create a problem with the home you want to buy. Don’t put yourself in a position where you could end up losing your dream home, as well as any deposit you may have put down.
When you apply for a mortgage, you'll need to document your income, employment situation, identity, and more, so it can be a good idea to start gathering the necessary documentation before you walk into a lender's office. This isn't an exhaustive list, but you should locate your last couple of tax returns, bank and brokerage statements, pay stubs, W-2s, driver's license, Social Security card, marriage license (if applicable), and contact numbers for your employer's HR department. Here's a more comprehensive list that can help you determine what you'll need.
Coming up with a down payment can be the one of the biggest obstacles for first-time homebuyers. It can be challenging to save for a down payment, even if you have a steady income and decent credit score. But with the right planning and budgeting, you can reach your savings goals faster than you think. If you aren’t able to make a sizable down payment, another option is to use gift funds from a relative. As long as the borrower has 5% of their own money, gift funds can be used for the rest of the down payment. It’s also a good idea to talk to your lender to see if you qualify for down-payment assistance. Knowing what your options are and how much you will need to save before you start the process will help prevent any surprises along the way.
A lot of borrowers choose to pick up the phone and call a handful of lenders to request interest rates. Those who do that may be surprised when the lender is asking questions before listing off rates. Again, interest rates vary and are dependent on many factors such as the loan program, your financial situation (including credit score), the cost of the home you’re looking to fund, etc. So, both the borrower and the lender should be interviewing one another to narrow down best options. Don't be alarmed if this happens to you! It's all part of the process of getting you into the best loan for your financial situation.
“Now is the time to start the process. More than 75 percent of credit reports are said to have some incorrect data. Often a difference of two points in your credit score can make a drastic difference in your interest rate and/or loan fees. Making sure you are prepared from a credit standpoint is the most important part of the process. Secondly, make sure you are staying current on all your liabilities. And lastly, when you sit down with us, you will know you are with an industry leader in Movement Mortgage. We love and value people here at Movement. It shows in how we take care of you while guiding you through the process.”–Bodie Shepherd, Market Leader, Chico, CA
CalHFA MAC provides homeowners with “satisfied” copies of their Promissory Note and Deed of Trust within 30 days of their Promissory Note’s scheduled maturity date. CalHFA MAC also submits paperwork to the county where the Deed of Trust was recorded with instructions to release the Deed of Trust. This document is called a Reconveyance and it will be sent to the homeowner as soon as the county completes the release of lien process.
No. The purpose of the Keep Your Home California Program is to keep struggling homeowners in their home and prevent avoidable foreclosures. This program is not available for second homes or investment properties, which includes using the home as a rental property. If you lease or rent your home after you receive Keep Your Home California assistance you will be ineligible to receive further assistance and may be responsible to repay the benefit proceeds if you sell your home in the future. If during the active benefit period of any Keep Your Home California program it is determined that your home is vacant, non-owner occupied, and/or rented, Keep Your Home California reserves the right to terminate benefit assistance.
Know your credit score. As soon as you decide to start looking for a home, check your credit report and credit score with any of the 3 major credit reporting agencies: Experian, TransUnion and Equifax. If you find any mistakes that need to be corrected, addressing these issues early will put you in a better position when it’s time to buy a house. (Bank of America credit card clients can get a free FICO® score in Online and Mobile Banking.)
Short sale can be an alternative to a foreclosure, and it will allow you to sell your home for less than the current outstanding mortgage balance on it. While this can be a drawn out process and take time, this option is becoming more common and acceptable by banks, real estate agents and servicers. Learn more on how short sales can stop foreclosures.
The amount you put down also affects your monthly mortgage payment and interest rate. If you want the smallest mortgage payment possible, opt for a 30-year fixed mortgage. But if you can afford larger monthly payments, you can get a lower interest rate with a 20-year or 15-year fixed loan. Use our calculator to determine whether a 15-year or 30-year fixed mortgage is a better fit for you. Or you may prefer an adjustable-rate mortgage, which is riskier but guarantees a low interest rate for the first few years of your mortgage.
It literally takes a few minutes to pull your credit report and order your credit score. But surprisingly, some future home buyers never review their scores and credit history before submitting a home loan application, assuming that their scores are high enough to qualify. And many never consider the possibility of identity theft. However, a low credit score and credit fraud can stop a mortgage application dead in its tracks.
Why would anyone get a loan with a prepayment penalty? Some lenders offer very low (and therefore tempting) interest rates in exchange. Also, some borrowers agree to loans with penalties if they have bad credit and it’s the only way they can get the loan. Mostly, a prepayment penalty is a financial decision. There are situations where accepting a prepayment penalty on a loan can save you thousands of dollars in interest.
Tax benefits. The tax code currently provides tax benefits for homeownership. You may be eligible for a deduction for the interest paid on your mortgage, private mortgage insurance premiums, points or loan origination fees, and real estate taxes. And when you sell your primary residence, you may be able to exclude all or part of your gain on the sale of your home from taxable income.
The NC Foreclosure Prevention Fund offers a Mortgage Payment Program to North Carolina homeowners who are struggling to make their home mortgage payments due to job loss or unemployment through no fault of their own or other temporary financial hardship such as a divorce, serious illness, death of a co-signor or natural disaster. Services are provided by HUD-approved counseling agencies statewide.
If you and your loan servicer cannot agree on a repayment plan or other remedy, you may want to investigate filing Chapter 13 bankruptcy. If you have a regular income, Chapter 13 may allow you to keep property, like a mortgaged house or car, that you might otherwise lose. In Chapter 13, the court approves a repayment plan that allows you to use your future income toward payment of your debts during a three-to-five-year period, rather than surrender the property. After you have made all the payments under the plan, you receive a discharge of certain debts.
The mortgage industry standard is a 20% down payment. However, you may be able to get a conventional mortgage with significantly less money up front -- as low as 3% of the purchase price in many cases. Specialized loan types, such as VA and USDA mortgages require no down payments at all for those who qualify. The point is that while a higher down payment will lower your monthly housing costs, you may be able to get into a home with less money in savings than you think.
Another part of the payment you make goes towards the interest you owe the lender. For example, let’s say you borrow $300,000 for 30 years at 5%. Your payments will be about $1,600 a month. During the first year, almost all of that $1,600 goes towards interest unless you take an interest-only loan (which is not usually a good idea). Let’s see why you mostly pay the interest during the first years of your mortgage.
Conforming loan. Fannie Mae and Freddie Mac are government-controlled corporations that purchase and sell mortgage-backed securities. Conforming loans meet their underwriting guidelines and fall within their maximum size limits. For a single-family home, the loan limit is currently $424,100 for homes in the contiguous states, the District of Columbia and Puerto Rico, or $636,150 for homes in Alaska, Guam, Hawaii and the U.S. Virgin Islands. However, in certain high-cost counties, loans limits can go as high as $954,225.
The material provided on this website is for informational use only and is not intended for financial, tax or investment advice. Bank of America and/or its affiliates, and Khan Academy, assume no liability for any loss or damage resulting from one’s reliance on the material provided. Please also note that such material is not updated regularly and that some of the information may not therefore be current. Consult with your own financial professional and tax advisor when making decisions regarding your financial situation.
I find it interesting that many people now a days fail to pay their mortgage. I wish we could balance out this world by pulling very strict regulations on corporations, have a representative democracy, and free schooling [even on college]. That way, any country maintaining life like this would reduce poverty by a huge margin and the wealth distribution would be fair. Life would be very peaceful in a place like this.
A 30-year fixed-rate mortgage is also called a conventional rate mortgage. The rate that you see when mortgage rates are advertised is typically a 30-year fixed rate. The loan lasts for 30 years and the interest rate is the same—or fixed—for the life of the loan. The longer timeframe also results in a lower monthly payment compared to mortgages with 10- or 15-year terms.
Start by asking someone you know who has recently gotten a mortgage to see if they would recommend their lender. Ask a financial adviser, business colleague or real estate agent you know to help you write a short list of referrals. An agent should be able to provide you at least two options. Anything less, and you might question whether there’s a financial interest in the relationship between the agent and the mortgage company they suggest. Often national lenders referred by agents end up offering higher interest rates when compared to local mortgage companies.
There are a number of programs to assist homeowners who are at risk of foreclosure and otherwise struggling with their monthly mortgage payments. The majority of these programs are administered through the U.S. Treasury Department and HUD. This page provides a summary of these various programs. Please continue reading in order to determine which program can best assist you.
Military Homeowners Assistance Program (HAP) provides assistance to military service members, recent veterans and their families who are facing housing issues. Banks and national lenders such as Chase and Bank of America are also offering solutions to the nation’s veterans and service members. The military Homeowners Assistance helps veterans and service members.
FHA Special Forbearance: If you are having difficulty making mortgage payments because you are unemployed and have no other sources of income, you may be eligible for FHA's Special Forbearance. FHA now requires servicers to extend the forbearance period, by offering a reduced or suspended mortgage payment for up to twelve months, for FHA borrowers who qualify for the program.
Once you find a home you want to put an offer on, you have to obtain the actual mortgage loan. Apply for a loan with your chosen mortgage lender. Within three days of your application you should receive a loan estimate that includes closing costs, the interest rate, and the monthly amount you’ll pay for the principal, interest, insurance, and taxes. After that, it’s off to the underwriter, who will review all of your financial information and make the final call to approve or deny your loan.
Are you looking for information about grant programs that may help with mortgage payments? Through the Department of Housing and Urban Development (HUD), the federal government offers mortgage payment assistance to the public. States and non-profit agencies have followed the federal government's lead and also offer mortgage payment grants. While competitive, these grants can help homeowners get back on their feet and avoid foreclosure.
Yes. For all Keep Your Home California programs, except the Transition Assistance Program, the homeowner must sign, notarize and return the CalHFA MAC Promissory Note and Deed of Trust to be found eligible for assistance. Homeowners who do not return the CalHFA MAC Promissory Note and Deed of Trust will be found ineligible for benefits. Homeowners who fail to sign, notarize and return the CalHFA MAC Promissory Note and Deed of Trust after the program is closed to new applicants will be unable to receive any assistance. Once the program is closed, it will not re-open.
Home equity loans are also referred to as second mortgages because you use your equity as collateral. If you obtain a home equity term loan, you will receive a lump sum and will have to make a monthly payment. You can also apply for a home equity line of credit, which provides you with access to a revolving account. That allows you to withdraw and repay money over the course of a specific period of time.
Once you research the types of financing available, determine which is best for your financial situation when buying a home: 15-year mortgage or 30, adjustable or fixed. If you are looking for security and a guarantee that payments won’t increase, a fixed rate mortgage might be the way to go. If you believe mortgage rates could still fluctuate and you want more flexibility, consider an adjustable rate mortgage.

domain: economics


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Steelers Defense Looking Tough, but Not so Much on the Offense
December 10, 2008 by AlexV
That Steelers defense must be really strong. It has to be with the offensive performance the Steelers put on in their near-miss, 20-13 victory over the Dallas cowboys on Sunday.
The Steelers were able to put up seventeen unanswered points in the fourth quarter after riding three total since the close of the first half. When the Steelers had just about enough time for two more scoring drives after failing to punch it in on 4th and one from the one yard line, the Pittsburgh offense finally came through.
But why is it that once again, another team with great defense is having trouble finding an offense that can’t return the favor? Even with the Cowboys putting on a great show as their corners continuously blanketed their receivers, save for a big play to Holmes in the second half, one would think that Ben Roethlisberger could easily guide his team to at least seventeen to twenty-one points per game against the Cowboys? The final seven points came on defense off an errant throw from Tony Romo that was picked off by Deshea Townsend and taken 25 yards into the end zone.
Either way, the Steelers are 10-3 and in the driver seat for at least the two seed and a first round bye in the playoffs. But, they still show signs of another of plenty teams who look too inconsistent to call a Super Bowl shoe contender.

domain: news


C-5Non-Reciprocating Side Charging Upper – Accepts MP5, Glock, & Colt Style MagsManufacturer:New Frontier Armory
Model: C-5Non-Reciprocating Side Charging Upper
Type:Non-Reciprocating Side Charging Billet Upper Receiver
Magazine:MP5, Glock, Colt (NO LRBHO Feature in Upper)
Other Specifications and Features of the C-5Non-Reciprocating Side Charging Upper:
- Machined from billet aluminum
- Widening cut to accept a wider range of pistol caliber magazines
- Matte black hard-coat anodized per Mil 8625 Type 3 Class 2
- Compatible with all standard AR-15/9/45 Style components and most aftermarket parts -- Machined pocket to accommodate Magpul BAD Lever
- Adjustable tension slide lock on charging handle
- Rear dust cover trap door that seals shut when mated with lower
- Manufactured to MILSPEC on state of the art CNC equipment for consistent quality parts and exacting tolerances
- Save money by building your own rifle or pistol from the ground up exactly the way you want it configured
- Designed to match lines with New Frontier Armory C-5 Billet Lower
**NOTE: Some rail systems that use anti-rotation tabs may need slight modification to fit this upper. It is designed for flush mounting rails and standard handguards.
The New Frontier Armory C-5Non-Reciprocating Side Charging Upper is proudlyMADE IN THE USAby hard-working American men and women.
|9.75 x 3.25 x 3.38 in
1 Review Hide Reviews Show Reviews
This was my first side charging upper and I can't say enough about it. I really like the ease of cycling the bolt once the complete unit is together. I had a hard time initially as I was trying to cycle the action with only the empty upper. Once together the action works very smoothly and easily. My only complaint is that the upper, which cycled the bolt easily, was difficult to use with my reaction bar to install the barrel. The inside of the receiver was very slightly undersized and had to be filed to get the rod to be inserted. Once assembled though this is a great upper and I love the side charging handle. Tolerances can be a real pain at times, but I'd rather have it tight than loose. Everything else about the upper was great and worked flawlessly. Fit and finish were perfect with the one minor exception of the inner fit on the rod. Again, the bolt fit ok so it might have just been my rod. I highly recommend this design and will definitely use it again on future 9mm/40 S&W builds.


The Blanca visor is an ultralightweight performance sport hat that is suitable for daily use and outdoor activities. This visor is equipped with a premium moisture wicking interior sweatband that keep you cool and dry even during the most vigorous routines! Our curved bill will protect your eyes from the sun and reduce any glare in the way of your game. The Blanca also features reflective piecing to increase your visibility while you are out at night!
100% Polyester (ultra lightweight)
Wicking and cooling elements
Reflective visor piecing for visibility
Low profile hook and loop closure


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How to make the most of your time in MACKAY. A 4-day itinerary.
11.00am Fly into Mackay
12.oopm: Grab food supplies
The supermarket is always our first stop. Sugar on road trips means happy children. And when I say children that also includes Courtney, my husband.
– SCROLL ACROSS FOR MORE PHOTOS –
2.00pm: Check-in to The Shores Holiday Apartments
The kids had a ball at The Shores Apartments. Our two bedroom deluxe villa was at the back of the complex and had direct access to a large grass area and Black Beach. The complex also had a fire pit, two pools, and a tennis court.
From December to early March, Black Beach is also home to little turtle hatchlings.
Our apartment was clean and large, and the reception staff were more than accommodating with lots of tips on things to do and see in the Mackay Region.
For dinner, I recommend the Chinese restaurant down the road!
10.30am: Platypus Spotting at Eungella National Park
The platypus can be found at a few different spots. The kids ran to the waterhole left of the Information Centre, so that’s where we ended up. Here you could view him from the water’s edge or from up high on the deck. Our loud Leo found him swimming a fair distance away from us in the middle of the waterhole. He is small and may be difficult to spot so keep an eye out for his bubbles. Perhaps in more quiet times, he comes up even closer.
This was the kid’s favorite part of Mackay, and if allowed they would’ve spent the whole day here. The owners, Dave, and Donna are fantastic, and you can tell they love their job! On the walk up to the start of the Zip-line, they pointed out all sorts of plants and trees explaining what could be eaten, how it tasted and most importantly what should be avoided. The zip-line goes 25 meters above the ground through the rainforest canopy and is made up two sections (total length 340 meters). The first section is all about the speed. How fast can you go? And the second part is slow and about the scenery: spotting the fruit bats, and the running creek below. But in the end, it’s up to you. Leo just wanted to go fast!
Leo needed to double with Courtney as he is only 5 years old. Whereas Chloee could go on her own.
The minimum weight to use the zip-line is 18 kilograms, and the maximum weight is 120 kilograms. The tour last about an hour to an hour and a half.
Tour Times are 10.30 am and 1 pm daily, weather permitting. Booking is essential.
The Finch Hatton Gorge carpark is only 5 minutes down the road from the Forest Flying. Finch Hatton is the place to be on a hot summer’s day. The oversized boulders and the waterhole are a perfect water playground for the kids and adults.
Day 2 is a long day! And how much you get done will depend on the weather and your appetite for activity.
Looking back, I would’ve preferred to stay the night and split the day into two. A day at Eungella National Park and a day at Finch Hatton. Or perhaps I just wanted an excuse to stay at Finch Hatton Gorge Cabins. This place looked amazing. It was set in the beautiful Finch Hatton rainforest along a running creek. We stopped here on the day to grab a quick bite to eat. The owners were super friendly despite Leo being a little loud and naughty. Apparently, they too have a friendly neighbor, the platypus.
6.00am: Sunrise with the Wallabies at Cape Hillsborough
First thing is to check for sunrise times! The wallobies come onto the beach at Sunrise only.
The best time to go is at low tide. The wallabies are not tamed and will hop away when people get too close. The more beach they have, the more likely they are to stay and hang around. Sometimes you won’t have a choice, and you’ll have to go at high tide like us.
Having had said this; the wallabies were more than happy to hang around in the more protected dunes and grassed areas behind the beach, grazing there long after the sunrise.
My favorite of all places in Mackay! Who knew that there were secret paths to be discovered. Wedge Island is accessible by foot at two hours of either side of the low tide. The low tide reveals a secret causeway. Sounds just like a fairytale and a nice story to tell the kids the night before. It’s an easy walk across, on either the sand or rocks. I’d suggest bringing sneakers as some of the rocks are covered in oyster shells.
Walk along the beach to the end of the island towards the cave. There, a path leads to the top of the island. The second tallest rock peak at the upper part of the island holds the most amazing picnic spot!
We spent at least 2 hours here. From up high the kids saw turtles, they looked for shells in the rock pools and played echo games in the big cave.
But for the adults, continue your journey further along the rocks to the Mini Wedge Island. There you’ll find the flower-shaped rock pool.
This trendy garden teahouse was my favorite place to eat. The grounds are beautifully decorated with lots of eclectic bits and pieces. The tables are spread out throughout the garden giving everyone lots of space. Great place for breakfast or lunch! I highly recommend the woodfire pizza!
The kids loved the large avairy, especially the own. And the big fat cat on the rocking chair.
Opening Hours: Daily from 9am to 3.30pm. Closed on Public Holidays. Friday Night by booking only.
Take a drive a little further past Cape Hillsbourgh to the small town of Seaforth. Stop at Seaforth Esplanade Reserve, where the kids can go wild climbing a very spectacular climbing tree!
Courtney and I are cursed at fishing. But if you’re luckier than us, apparently this is one of the best spots in Mackay.
Continue north down to Finlayson’s Point Road. This dirt road takes you around to the west side of the beach. This is a great spot for low tide treasure hunting. Chloee was proud of her ginormous crab claw find.
Courtney was in drone heaven. Being able to fly out to the Newry Islands. These ly around 5km out from Seaforth. Their close proximity makes them a very appealing destination for campers and day-trippers.
The Sarina Sugar Shed is a miniature working sugar mill and distillery. Their tours take you through the history of sugar cane cutting, collecting, and extracting. But most importantly at the end, they offer a nice array of samplers. You must try them all: cooking sauces, liqueurs & ginger beer, ice cream, chutney, rum, and the kid’s – favorite fairy floss.
Open 7 days 9am – 4pm
Four Tours Daily at 9.30am, 11.00am, 12.30pm and 2.00 pm.

domain: geography


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Escape the Empire is a downloadable kit that transforms your living room into a galactic adventure. Through five missions and two team challenges, players work together to save their fellow members of the OMEGA SQUADRON from the clutches of the EVIL EMPIRE!
The game can be played at home, or remotely over Zoom with loved ones! It involves cutting out props, assembling objects, and travelling through all kinds of mazes and logic puzzles.
Escape the Empire is a creative and immersive way to spend time with your loved ones! Turn this time of social isolation into an adventure with friends!
TELL ME MORE!!!
What supplies do I need?
- Scissors, tape, and pen/markers for everyone
Do I need a printer?
You need some way to get the PDF printed. A home printer is fine. You can also send the file to a copy center and they can print it. (They are generally still open!) Your download link will include both a color and a black and white option.
How long is the game?
- It depends on your style – are you a competitive, beat the clock type? Or are you looking to streeeetch this activity to fill your stay-at-home time?
- The game has 5 missions and 2 team challenges, and can be paused at any point to meet your group’s needs.
- Two hours is an average play time, but it really depends on the participants!
What ages? How hard is the game?
- It’s great for adults of all ages.
- Generally, younglings over 12 years old will enjoy the puzzles the most, and adult help will make the experience more exciting for the younger kids.
- The game is meant to be enjoyed – not break your brain. It includes a detailed cheat sheet at the end that walks you through the puzzle answers.
How many teams? Do we have to play in person?
- The game is written with four characters, which can be divided up and played by any number of players – simply print more copies.
- The game can be played remotely! Have everyone print out a copy and work through the puzzles together.
Do I need to be a Star Wars trivia buff to play?
Nope! This is a stand-alone space adventure. Of course, the story does has plenty of clever references, but is filled with logic puzzles, fun challenges, and codes to break – not trivia. This is a fan-created game with it’s own distinct set of characters and planets – we’re not affiliated with, authorized or endorsed by, or connected with Disney Enterprises, Inc. Definitely feel free to dress up, put on your favorite music or movie to enliven your experience!

domain: hobby


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Look at the lilies and how they grow. They don't work or make their clothing, yet Solomon in all his glory was not dressed as beautifully as they are. And if God cares so wonderfully for flowers that are here today and thrown into the fire tomorrow, he will certainly care for you. Why do you have so little faith?
And don't be concerned about what to eat and what to drink. Don't worry about such things. These things dominate the thoughts of unbelievers all over the world, but your Father already knows your needs.
Seek the Kingdom of God above all else, and he will give you everything you need.
Happy Mother's Day!
Scripture and a Snapshot is hosted by A Glimpse of Our Life.
The Weekend Brew is hosted by My Freshly Brewed Life.Subscribe to Homeschool Coffee Break by Email!
©2006-2014 Homeschool Coffee Break. All rights reserved. All text, photographs, artwork, and other content may not be reproduced or transmitted in any form without the written consent of the author. http://kympossibleblog.blogspot.com/

domain: literature


NHL Playoffs: Players to Watch in Game 4 of the Penguins vs. Flyers Series
Over the last three days arguably the most talked-about opening round series of the 2012 Stanley Cup playoffs has been the Eastern Conference matchup between the Pittsburgh Penguins and the Philadelphia Flyers.
Coming into the series we were promised brutality. We were promised disdain. We were promised blood. Through the first two games it appeared as though all the experts that promised the preceding elements for this series would be proven wrong. That was until Game 3.
Now that all the animosity these two teams have for one another has boiled over, Game 4 promises to be the most exciting game of the entire first round.
The Penguins sit on the brink of an unthinkable sweep at the hands of their cross-state rival. The Flyers have an opportunity to close out the series on home ice, and they’ll be looking to do so as quickly as possible.
Here are the players you need to be watching when the puck drops on what should be an epic Game 4 in Philly.
Briere has earned the moniker of “Mr. Playoffs” with 101 points in 100 playoff games. He’s been the catalyst of two of the first three come from behind victories for Philadelphia.
Briere is small and quick. He is crafty and ever dangerous in the offensive zone. When Briere has the puck he has the ability to slow down the play.
In a series in which physicality has become the top story, Briere’s skill set would seem to take a backseat to the bigger and more bruising combatants, but Briere has shined through the first three games and is one player that can’t be ignored.
It was Malkin’s year in 2012. The Penguins star stole the stage in the NHL throughout the regular season. He took home the Art Ross Trophy and looked poised to lead the Penguins on another Stanley Cup run.
Malkin has been held without a goal for the first three games of the series. In a season in which Malkin has owned opposing goaltenders, its been the enigmatic Flyers goaltender Ilya Bryzgalov that has had the upper hand in the series.
Make no mistake, if the Penguins are going to make a historic comeback in this series it begins and ends with Malkin. If Malkin can’t get it going fast the Penguins season is over already.
The Flyers season may rest on one man’s shoulers, whether he likes it or not. Bryzgalov is the owner of those shoulders.
The Flyers goaltending carousel was supposed to stop with Bryzgalov’s signing last summer. Instead the man they call “Bryz” was lost for the first half of the season only to finally get his game going in mid March.
Bryzgalov has been shaky in this opening round for Philadelphia. Fortunately for him, the Flyers have had more than enough firepower to make up for his shortcomings. He hasn’t stolen games for the Flyers in this series, but he has done enough to win, and in the playoffs all that matters is winning.
The Flyers may need Bryzgalov to be better moving forward, but for now he’s made key saves at key moments and that’s worth watching for tonight.
If Bryzgalov has been simply “okay” for the Flyers, Fleury has been downright awful for the Penguins. The guy who carried the franchise to their 2009 Stanley Cup title has left it in a downward spiral with his play in this series.
If Malkin is to be the Penguins offensive spark, Fleury has to be that guy on the back end. The Flyers have scored an uncanny 20 goals in the first 3 games of the series, 17 of which were conceded by Fleury (Brent Johnson, 2, Empty Net, 1).
Fleury has the ability to steal games for his club. He hasn’t been sharp to this point in the series, but a talent like Fleury can flip the switch and be stellar almost instantaneously.
If Fleury can get hot quickly this series is far from over, but it must start tonight.
Claude Giroux/Scott Hartnell/Jaromir Jagr
84 Goals, 130 Assists, 214 Points. That’s what the Flyers top scoring line of Giroux, Hartnell and Jagr posted in the 2011-2012 Regular season.
5 Goals, 10 Assists, 15 Points. That’s what the same line has done in just 3 games of work in the post season.
To stop the Flyers offense is to stop this line. No easy task.
The Flyers will look to this line for their offense again in Game 4. They’ve had contributions from nearly everyone on the roster when they’ve needed points, but this top line is what gets it all going.
Where do you start when discussing this series and the Penguins captain?
His early goals in Games 1 and 2 got things going for Pittsburgh. He then seemed to disappear in latter stages of those games as the Flyers battled back.
In Game 3 a beast awoke in the belly of Crosby. Unfortunately for the Penguins, on two separate occasions that beast led to two teammates getting tossed from the action, one of which, Craig Adams, is now suspended for tonight’s contest.
Crosby has received a lot of heat in the media over the extended break between Games 3 and 4. How he responds to that heat on the ice may be the best way to gauge the teams mentality heading into tonight’s pivotal match up.
If Crosby looks world class, the Flyers can start packing for Pittsburgh Friday night. If he shows the same gritty edge he showed in Game 3, rather than focusing on his offensive game, this series is all but finished.
Assuming that the Flyers breakout 19 year old rookie is in fact 100 percent after taking a blind side hit up high from Penguins forward James Neal in Game 3, fans should keep one eye locked on number 14 in orange tonight.
Couturier has played for head coach Peter Laviolette in every situation this season so it should come as no surprise that he’s been tasked with doing the same in his first ever playoff series.
What has been surprising, and a welcome surprise for fans of the Flyers, is the way in which he has handled his toughest assignment to date, marking Malkin in the playoffs. Malkin’s lack of production in this series is no fluke. Couturier has completely erased Geno from the series.
Instead of watching Couturier tonight, watch Malkin when Couturier is on the ice. Just the rookie’s presence alone has forced Malkin to be wary of where he is on the ice and like a polarizing magnet rarely will the two come together.
The Flyers youngster has imposed his will on the Penguins star. It’s certainly a sight to behold indeed.
It’s encouraging to see that with all the extracurricular activities that have transpired in this series Matt Cooke has not found himself in the middle of it all.
He’s been shown chirping the Flyers bench, getting in the face of their stars, and overall being an outright pest, which is his job after all.
What we haven’t seen is Cooke’s elbows making headlines. In fact, more often than not Cooke has been in the middle of the Penguins best scoring chances.
With Neal, Craig Adams, and Aaron Asham all out of the line-up for Game 4 Cooke’s game could morph into the style of one of these three guys. The Penguins had better hope its Neal that Cooke tries to emulate and not Adams or Asham.
If you think this series is ugly now imagine how much worse it could be if Cooke loses his cool.
Like the new article format? Send us feedback!


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When Nellie Winitzky came to The Perkins Institution and Massachusetts School for the Blind as a thirteen year old in 1905, her private teacher, Elizabeth Hoxie got right to work and began detailed notes about her work with her new student. These Teacher Journals, now housed in the Perkins School for the Blind Archives, provide a record of both Winitzy’s experience and education while at the School alongside her teacher’s impressions and thoughts about her progress.
Winitzky was born on May 28, 1892. When she entered Perkins, she was one of eight children in her family, four of them younger than Winitzky. At age six, “spinal meningitis, induced by a sunstroke” caused her to lose her sight and hearing, and “major chorea” followed (1940 Annual Report). At the time of her illness, she was in the kindergarten program at Hooker School in Springfield, Massachusetts, where her family lived (1940 Annual Report). In November of 1900 she began studying at the Clarke School for the Deaf in nearby Northampton, Massachusetts. She remained there until June 1902 when the school recommended that she attend an institution for the blind because of her “uncertain” eyesight (Box 18, AG54).
In a 1906 report, Hoxie wrote that “Nellie’s fingers, thru sickness, are less sensitive than other girls of her age.” (AG54, Box 18) She goes on to describe how she adapted her teaching methods to accommodate Winitzky and noted that “Nellie’s finger tips seemed to have awakened” and that Nellie’s progress had “far exceed[ed] my ambitions” (Summary, 1905-’06, AG54, Box 18).
Winitzky struggled at times with the transition to Perkins. Hoxie wrote that “It took Nellie some time to realize that many of the pupils here could not see at all” and that she was, “amused to see them put their hands before them when walking.” Hoxie noticed a “decided change,” however, after Winitzky had a class with Julia Burnham and after getting to know Lenna Swinnerton, both of whom were blind.
In her first year at Perkins, Winitzky began to learn the manual alphabet, a way for people who are deafblind to communicate by having someone sign the alphabet in their hand. “It is very necessary that Nellie should learn the manual alphabet,” Hoxie wrote. Her first lesson was on September 25 and, Hoxie recorded, “it all amused N. very much she cannot quite make out what it all means or why I am doing such things.” (AG54, Box 18). In 1906, however, Hoxie reported that “Nellie did not forget the alphabet during the summer and was so glad to get where it was used by others for her benefit” (AG54, Box 18).
At the end of the 1905-1906 year, Hoxie reported that Winitzky’s face has a “bright, open, wide-a-wake” look and that she was never disturbed by new work. Winitzky “takes kindly and cheerfully to whatever task is assigned her” and “delights in work which takes real mental effort” (AG54 Box 18). Winitzky struggled, however, in reading because the “devices being so entirely new.” Hoxie concluded that “By nature, she is creative,and loves to learn by doing” as she took “great pleasure in all the work in the manual training department.” ….
Winitzky came back to Perkins on September 19 for the 1907-1908 school year. In the report for the year, Hoxie notes that Winitzky was not well all year and that her “mental work has not be all that we had looked for.” Nonetheless, Winitzky is “a good child and has a good attitude toward all her work. She is naturally industrious and never says she will not do her work, or that she does not enjoy it” (AG54, Box 19). Hoxie noted that Winitzky’s family wrote “that they think she grows more sensible.” (AG54, Box 19)
Winitzky remained “…still faithful to all tasks set her and usually works with a right goodwill” according to Hoxie’s 1908-1909 school year report. During the winter, Winitzky learned to play checkers and a new baby sister at home made her eager to go home for visits. Communication at home, however, remained challenging as Hoxie noted, “in order for Nellie to be really happy with they they must learn to use the manual alphabet.” (AG54, Box 19)
Hoxie’s summary of the 1909-1910 school year serves as somewhat of a summary of their work together as Hoxie left Perkins at the end of the year. She began the report by stating that, “As a rule Nellie’s attitude towards life is very pleasant,” but goes on to explain that Winitzky struggled with school work because “the work with the blind is so largely tactile” and her fingers were still not as sensitive. At the end of the report, she reflects on their time together: “I have tried to keep her independent and not to feel that outside the classroom she must be constantly with me. Someone has said in a very friendly way that ‘you seem to leave a great deal of the care of Nellie to her guardian angel!’ I certainly have and yet she has not been neglected.” She finishes, “I feel confident that Nellie will grow, and that the future holds much that will help to make my pupil a useful, loveable woman.” (AG54, Box 19)
At the start of the 1910-1911 school year, Winitzky had a new teacher: Abbie G. Pottle. Pottle continued Hoxie’s Teacher Journal, first writing that her student is “eager to learn and to stand well in her classes.”
In March 1911, Winitzy was happy to be going home to celebrate Passover with her family. When Pottle asked her why she was so glad to be home, Winitzky repled: “It is because we have a feast, chicken and everything good to eat.” Pottle remarked, “I am afraid our Nellie is very carnal-minded” and that she “could not discover that she felt any religious sentiment in the [observances] of the passover [sic] although I questioned her closely.” She concluded, “Chicken seemed to be uppermost in her mind.” (Box 19 AG54)
The report for the 1911-1912 school year announced that it had been decided that Winitzky’s “course at Perkins Institution will end with the close of this school year.” Winitzky’s health declined during the year and ultimately made it hard for her to concentrate on her studies (AG54, Box 20). Pottle summarized: “She has been in the school seven years and in that length of time has acquired much knowledge, and learned how to do many things that will be helpful to her in the years to come.” She continued, however, “She will in all probability never be able to earn a living for herself as she is incapacitated physically for any active work….” (AG54 Box 20) Pottle writes that it was believed that the “break in her school life” be made now so that she can have a better relationship with her younger siblings, who, it was implied, she would be caring for at home.
Winitzky “felt badly for a little while” after being told that she would not be returning to Perkins and “[spoke] frequently of the fact that she will miss her school-mates and friends.” Her teacher believed that as the end of the year approached, though, “her mind has adjusted itself to the coming change, and that there is to a certain extent a feeling of relief at the prospect of a cessation from the many duties incumbent upon her as a pupil of Perkins Institution.” (AG54, Box 20)
Hoxie and Pottle’s notes about Winitzky’s time at Perkins gives us much more detail than the biography included in publications such as Anna Gardner Fish’s Perkins Institution and its Deaf-Blind Pupils 1837-1933 and brief reports in Annual Reports. These candid records allow us to learn more about Winitzky’s day-to-day experiences, her teachers’ concerns, individualized learning, and successes and challenges as a student at Perkins.
AG54 Students with deafblindness at the Perkins School for the Blind Collection. Perkins School for the Blind Archives, Watertown, MA.
Fish, Anna Gardner. Perkins Institution and its Deaf-Blind Pupils 1837-1933. Perkins Institution and Massachusetts School for the Blind, Watertown, MA. 1934.
“Nellie Winitzky.” Seventy-Fifth Annual Report of the Trustees. Perkins Institution And Massachusetts School for the Blind, Watertown, MA. 1906. Available on the Internet Archive.
Coit, Susanna. “Teaching Nellie Winitzky.” Perkins Archives Blog, Perkins School for the Blind, Watertown MA, August 22, 2022.

domain: library


The Lamar Dodd School of Art will present a lecture by American photographer Alec Soth on Nov. 27 at 5:30 p.m. in Room S151 of the art school.
Soth’s photographs have been featured in numerous solo and group exhibitions, including the 2004 Whitney and São Paulo Biennials. In 2008, a large survey exhibition of Soth’s work was exhibited at Jeu de Paume in Paris and Fotomuseum Winterthur in Switzerland. In 2010, the Walker Art Center in Minneapolis produced a large survey exhibition of Soth’s work titled From Here To There.
Soth’s first monograph, Sleeping by the Mississippi, was published by Steidl in 2004 to critical acclaim. Since then Soth has published NIAGARA (2006), Fashion Magazine (2007) Dog Days, Bogotá (2007) The Last Days of W (2008) and Broken Manual (2010). In 2008, Soth founded his own publishing company, Little Brown Mushroom.
“Alec Soth is a photographic storyteller, recognized for his cinematic images of the American Midwest,” said Michael Marshall, associate professor and chair of photography in the art school. “Working with a large-format camera, his photographs build a narrative of the heart of the country, engaging the banal and off-the-beaten path places and people.”
The lecture is part of the ongoing Visiting Artist and Scholar Lecture Series.


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1804 год 322
Примечание: Жизнь Джорджа Вашингтона. Полный вариант заголовка: «The life of George Washington : Vol. 1 : commander in chief of the American forces, during the war which established the independence of his country, and First President of the United States : to which is prefixed, an introduction, containing a compendius view of the colonies planted by the English on the continent of North America, from their settlement to the commencement of that war which terminated in their independence / by John Marshall ; compiled under the inspection of the Honourable Bushrod Washington, from original papers bequhathed to him by his deceased relative, and now in possession of the author».
|Рейтинги этой книги||за 1804 год||за всё время|
|Среди всех книг||№85|


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This is a small upland coniferous forest.
There are no facilities for recreational activities. The public are welcome to visit this forest on foot.
There may be restrictions on access to parts of the forest from time to time due to forest operations. Pay attention to safety signage.
About this forest
This is a mainly coniferous forest managed for commercial timber production. There is no public car park. Visitors must not obstruct access for forestry vehicles by parking at the gateways.
How to get there
This forest is on the main A505 Omagh to Cookstown road, roughly five miles from Omagh.

domain: travel


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July 4, 2013 by brennon
On Monday I wrote about Fantasy Flight Games exploring an encounter in Star Wars: Edge of Empire. Well, it’s out and about in the world now and the video above should give you a run down of their thoughts when building this game.
Edge of the Empire seems to be the role-playing game we’ve been waiting for. A lot of the complicated systems behind the Saga series have been done away with and it looks like a fresh and exciting narrative experience.
I like the new narrative dice and their ability to drive the story forwards, even in combat. It reminds me a lot of Gurps and other systems where the dice aren’t the be all and end all of your experiences. There is also a conversion table for those people who don’t have the dice!
The one thing I am in two minds about is the addition of The Force. Of course it’s a big part of the Star Wars experience but I always worry that everyone’s going to want to play a Jedi or Force Sensitive hero! I guess it’s up to games masters to deal with this but I personally will be looking to play as a Smuggler or Bounty Hunter!
As well as Edge of the Empire Fantasy Flight also explore the additional books in this growing series which explore the war against the Empire and the Jedi themselves. It seems to follow the trend we’ve seen with the Warhammer 40,000 system.
Ready for an adventure?

domain: game


- 65/35 Poly cotton twill fabric
- Constructed front placket
- Available i in short & long sleeves
New addition to the workwear range. Extra durability with bar-tacked pressure points, triple-stitched shoulder and armholes. Features include double top-stitched chest pockets with button flap closures and curved hem.
Colour: Grey, Khaki, Navy
Price subject to change. Prices vary based on units and sizes required. Bulk discounts offered – please enquire


An increased interest in both recycling and history has generated a growing market for those who wish to sell recycled wood flooring. Whether the material comes from your own existing remodeling project or from old factories, buildings or barns, buyers are eager to incorporate the features of this previously used wood into their homes. The first-time recycled flooring seller, however, should understand the steps required to get top dollar and maximum customer satisfaction from the transaction.
Things You Will Need
Business directory of local and regional contractors, interior designers and lumber mills
Business letterhead stationery
Camera and film
Know your product: Identify the type of wood, measure the average board lengths, widths and thicknesses. Measure the dimensions of the flooring section you have to allow you to refer to the exact number of square feet you have available. Weigh a sampling of boards, if possible, so that you can give an estimate of the total weight of the wood if a buyer wishes to have it shipped.
Carefully examine your recycled wood material for the presence of insects. Do not put yourself in the position of being fined by the federal or state government for transporting wood material that could be harboring dangerous pests that could infest and destroy existing live tree stocks. Examine the boards for hazardous chemical residue if the material was recovered from an industrial setting or that of a garage where petroleum and other toxic products were used.
Identify any special characteristics of your wood, such as whether it is a rare specimen, one associated with a national or local historic event or location, or exceptionally finely grained. Promote these strengths to separate your product from those of larger companies selling recycled wood. Develop a descriptive paragraph for the product you have to sell. Include details regarding whether the wood is “as is” or whether you will also be planing it into standardized sizes, creating tongue and groove detailing or smoothing a rough finish. Note whether the initial use of the recycled wood was flooring or another purpose, such as joists or support posts (which are also often sawed into boards to be used for flooring). Be honest and indicate whether there is any staining or damage in the recycled boards.
Contact local contractors, interior designers or lumber mills that provide wood flooring for customers. Fax, email or mail a copy of the descriptive information you developed, including wood type, size, amount available and special features. Remember that people interested in “green,” sustainable living are very interested in purchasing recycled wood and that is a strong selling point on its own. Note in your communications if you have photos available of the wood so that potential clients can see the exact color and condition. Expand your marketing to a regional level if you are unable to find local buyers, and place a listing on appropriate green contractor and historic renovation lists.
Play up any local historical significance. Take photos of the flooring before removal from the original site to document structure and layout. Emphasize the positive benefits of old-growth wood, such as longer lengths, wider, finer grain, and lower moisture content than new wood. Don't forget to include the words "green," "recycled," "historic" and "antique" in your marketing to attract buyers looking for your specific product.
Be a thorough and professional business person. Obtain all the required local, state and federal licenses to sell wood products in your vicinity. Provide written communications on company letterhead stationery. Determine whether you will make delivery of the recycled wood materials available and be prepared to quote the potential buyer an accurate price estimate. Offer the buyer names of long-distance haulers you know to be reliable if you do not provide long-distance delivery service.
Remind buyers that each lot of recycled flooring is one of a kind and cannot be matched. They should purchase an adequate amount to complete their project at one time to avoid possible future disappointment.
The National Forestry Service is very concerned about accidental transportation of invasive pests hiding in wood products to new regions. Contact your local Forestry Service office or county Extension Service to discover whether there are any quarantines in place that would affect the transportation of your recycled flooring.


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For a healthy walk you can't beat a sunny, pleasant stroll from Arlington to Capitol Hill. While I was in Washington in January I took this walk again - and recorded highlights on video. I hope you enjoy - I did!
For everyone interested in the work of Britain's Parliament; the US Congress; the European Parliament and the French Parlement. Discuss Practice, Procedure, History and current issues.

domain: politics


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Walk into a restaurant these days and you might be able to check the calorie count of your enchilada, the salt content of your fries, and the "heart healthy" status of your peppercorn steak. Is all that info just too much? According to the Associated Press, some menus are turning into spreadsheets of health information. Health advocates are excited about it. They say when restaurants provide information on the food we’re ordering, we make better choices. However, according to Barry Popkin, a professor of nutrition at the University of North Carolina, at some point, having all that information just becomes confusing.
In most places, new laws only require restaurants to provide calorie information. However, that’s changing. For example, in Philadelphia, sit-down chains have to include info on carbs, salt, saturated and trans fats along with the calorie counts. Even McDonald’s will give you a nutrition handout that includes detailed information on the saturated fat, cholesterol, sodium, carbohydrates and more - for everything from burgers to their coffee drinks.
People who study psychology say if you want people to understand what they’re ordering, the rule of thumb is to keep it short and sweet. It has to be something a person looking up at a fast-food menu board can “get” quickly. On the flip side, some nutrition experts say listing ONLY calories isn’t enough for two reasons. Number one: Most people have no idea how many calories they should eat in a day. Number two: Some people will think something low-cal is a good choice without knowing its salt count is off the scale.
So what’s the solution? Right now, there isn’t one. The Food and Drug Administration has a year to work out what restaurants will be required to post. Maybe the biggest problem is the "Who cares?" factor. People who order Burger King's Triple Whopper with Cheese, at 1200 calories, know it’s not health food. My solution? Cook most of your meals at home. Then you’ll know exactly what’s in your food. If you’re not sure, try a website like CalorieCount.com.


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Without a doubt, vision is the function we use most in relating to our environment. Of the many nerve fibers transmitting information to the brain, nearly 40% are inside the two optic nerves which connect the eyes to the brain.
In addition, almost all higher cerebral functions connect with the part of the brain that serves vision. If you hear a sound, you turn to look for its source. If you notice a fragrance, you look for its origin. If someone touches you on the shoulder, you look at the person, and of course, if you note an object in your peripheral field, you move your eyes to look directly at the object.
So the changes in the eye caused by aging are especially important. The chart on pages 4-5 will help you review the physical details. Here are common problems, and how to tell the expected signs of aging from the serious symptoms of a medical problem.
Some of the most common problems we see which are related to eye discomfort include eyelid spasm, a dry eye condition and too many tears.
For little-understood reasons, some people suffer severe spasms, lasting from seconds to minutes, of the lid muscles on one or both eyes. Called blepharospasm, it can interfere with daily functioning if this is severe enough, and treatment is recommended.
Another kind of muscle spasm can cause the edge of the lower eyelid to turn in. With each blink, the eyelashes rub against the cornea. If not corrected with surgery, this leads to chronic irritation of the cornea.
The opposite problem failing muscle tone can weaken the muscle which normally holds the upper lid open. If severe, the upper lids may droop nearly closed, impairing vision. Surgery can correct this problem.
The upper and lower lids normally hug the globe of the eye but with age, the eyelid-closing muscles lose their tone and begin to sag. When the lower eyelid sags, tears do not drain properly.
A variety of growths can also appear on the lids. If this is the case, you should see your doctor.
A dry eye feels gritty, as though scraped by a foreign body. Weakened lid muscles that do not close completely during sleep can make this worse by allowing the cornea to become dry and scratchy-feeling.
A lack of mucous cells in the conjunctiva can also lead to dry eyes with symptoms of a gritty feeling in the eyes, chronic irritation and redness.
Other causes include chronic fatigue of the eye muscles due to lack of sleep, poor health, a latent eye muscle imbalance, or reading when you’re very tired.
Your doctor may suggest using artificial tears to relieve these symptoms which usually are not serious.
Too Many Tears
Severe tearing, as tears run down the cheeks, is another complaint. This usually results from the lower lid drooping away from the eyeball so tears do not drain to the nose. It is worse in cold weather when tear production usually increases. Too much tearing is not serious and is vastly preferable to dry eyes, so use your handkerchief.
Headaches are closely related to the use of the eyes. Two general types are often seen in the elderly patient.
A tension headache comes from increased muscle tone, whether from stress, pain from arthritis, fatigue, or anxiety. Over time, any of these can lead to painful chronic spasm in the muscles of the scalp, the face, or the six muscles that control eye movements. Such tension headaches, usually described as a tight band or pressure about the head, are usually triggered by a specific activity and are made worse by continuing the activity. The truly debilitating pain of tension headaches can often be relieved by muscle relaxants or aspirin.
Pain in the muscles which control eye movement often causes a brow ache. It first appears when you wake up in the morning, especially after a late night of reading or television watching. The pain can take the form of a throbbing dull ache behind one or both eyes, or spread across the brow or even the entire forehead. It can involve either side of the head.
This type of headache results from an aging-related tendency of the eyes to drift outward, or to diverge. This is due to loss of tone in the muscles which turn the eyes inwards during reading and close-up work. As the eyes drift outward, the eye’s inward-turning muscles try to counteract. All this constant effort leads to fatigue that is similar to strained arm or leg muscles. Avoid this kind of headache by getting more rest, or doing your work early in the day when you are fresh.
Problems With Vision
Opacities in the vitreous are opaque spots or bits that have broken from attachment to the periphery of the retina and now float freely. People notice these as lightning flashes in the peripheral vision. Near-sighted people and those age 55-65 may see lines, spots, webs and clusters of dots moving slowly across the field of vision. Usually they move faster with eye movements and may become stationary when the eye is not moving. While annoying, these are not cause for alarm. As you learn to ignore them, they become less noticeable.
Another age-related change in the vitreous can be a general haziness. While this also is usually not serious, it is wise to check with your doctor.
Decreased vision related to glare is a frequently heard complaint. As the eye ages, there are changes in both the lens and vitreous humor that result in increased light scattering.
Opacities in the periphery, or outer edges, of the lens, do not directly interfer with vision. But they can increase scattering of light as it passes through the lens. At night when the pupil is slightly dilated this is especially noticeable. Further contributing to this light scatter are strands and opacities of various shapes within the vitreous humor. So it is no wonder that the elderly complain of the glare from oncoming headlights while driving at night. As long as vision remains sharp, we suggest either not driving at night or not looking directly at headlights.
Daytime glare can also be a problem. With age, opacities may develop in the central cortex just beneath the back of the lens. These opacities tend to scatter light even more than opacities elsewhere in the lens. The early sign of their existance may be increased glare, especially in bright light. Mild dilation of the pupil and wearing of sunglasses may give temporary relief. However, you should consult an ophthalmologist about these and other strategies.
Adjusting To Light Changes
As age reduces pupil size so less light enters the eye, the elderly often complain that objects are no longer as bright. The aging pupil closes slowly so going outdoors may be dazzling. It is especially hard to see when going from daylight into a darkened theater because aging pupils widen more slowly. However, if your vision otherwise is shapr and clear, there is usually no cause to be concerned.
Tissue from the conjunctiva may accumulate at the corner where the white, or sclera, meets the clear cornea. This growth is called a pterygium. If the pterygium continues to grow and reaches the center of the cornea, it can interfere with vision. Pterygia are usually seen in elderly individuals who are outdoors a lot, especially in dust and wind. Pterygia should be watched, and if the cornea is at risk, surgical removal is recommended.
In the cornea, age-related degeneration of the inner surface can cause fluid to accumulate, swelling the cornea and causing edema. Vision through this corneal edema is hazy. A corneal transplant is often recommended.
With age the vitreous changes, going from being gelatin-like to becoming liquid. As the eye moves, the remaining gelatin-like vitreoustugs on the retina, stimulating it so that a vertical flashing light seems to appear, almost always in the far temporal visual field and in only one eye at a time. If these flashing lights are not accompanied by decreased or other changes in vision, they can be disregarded. However, if they persist and there is the feeling of a veil over the eye or loss of visual field, then schedule an eye exam.
Changes In The Lens
Beginning at about age 45 and progressing through age 65, the lens loses its ability to increase its thickness which is necessary for reading and close work.
Normally, when you look at an object closer than 24 inches, the lens changes shape, thickening to increase its refractive power in order to focus the light from the object onto your retina. Around age 20, the lens begins losing its ability to thicken. This does not begin to interfere with close-up work until about the early 40’s and finally stabilizes by the early 60’s. Called presbyopia, this condition occurs earlier in far-sighted (or hyperopic) people. Presbyopia, which is universal and has no alarming implications, can be corrected by using reading glasses. As near-sighted (ormyopic) people age, they often have an easier time, just taking off their glasses to read small print.
Age-Related Eye Diseases
A cataract is an opacity of the lens which reduces the vision to 2030 or less. The reduction in vision is painless but progressive. People in their 70’s and 80’s are most likely to develop cataracts, because age is the major determining factor. Researchers are still trying to determine the cause of age-related cataracts and the only treatment is cataract surgery. (See Executive Health Report, Vol. 22, No. 10, for a full discussion of cataracts.)
Glaucoma is caused by increased intraocular pressure which impairs the normal function of the optic nerve. In early stages, this disease is symptomless but a simple test from your eye care professional can detect it. Glaucoma damage is irreversible so ask your doctor for the test. Glaucoma accounts for about 10% of all blindness in the United States. (See Executive Health Report, Vol. 25, No. 4, for an in-depth discussion of glaucoma.)
Diabetic Retinopathy (DR)
Diabetic retinopathy (DR) is the third leading cause of adult blindness and accounts for almost 7% of the blindness in the United States. It is associated with long-term diabetes, and therefore, it is sure to become more prevalent as our population continues to age and diabetic patients live longer.
Diabetic patients usually have little or no evidence of DR until they have had diabetes for about 3-5 years. The first serious sign is edema, the collection of fluid in the retina (the seeing part of the eye), at a location that is involved in the best vision–the macula. This macular edema can impair vision. The second serious sign occurs when new blood vessels begin to grow from the retina into the vitreous humor. These new blood vessels bleed easily, hemorrhaging into the vitreous which impairs vision. With recurrent hemorrhages, vision eventually is totally lost.
All diabetic patients should have a comprehensive examination that includes a careful eye examination with pupillary dilation at least once a year to detect any sign of impending vision loss. Since laser treatment can prevent or slow down visual loss at the early stages of macular edema and new blood vessel growth, early diagnosis is vital. Laser treatment has reduced loss of vision by 50% in both conditions.
Age-Related Maculopathy (ARM) has two major causes. A cluster of new blood vessels can grow beneath the retina at the site of the macula. These blood vessels can bleed, damaging the macula. Laser treatment is successful about half the time in stopping the progress of wet ARM.
A second dry type of RAM involves disintegration of the cells which nourish the macula. This eventually kills the macula’s retinal cells, and decreased vision results. At present, we have no treatment for this type of ARM.
Distorted central vision is an early symptom. Objects may appear larger or smaller or straight lines may be distorted, bent or missing a central segment. If this distortion is in one eye alone, you may not notice a change in vision because the unaffected eye will continue to function normally. However, you can compare vision by alternately closing each eye to view an object in order to see any distortion.

domain: medical


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|Lennox Lewis Enjoying Retirement; Speaks on Heavyweight Division
Interview by Dan Horgan (Nov 20, 2006) Photo © LennoxLewis.com
Lennox Lewis is enjoying retirement. After a fourteen year, forty-four fight career, the two time heavyweight champion called it quits in 2004, and has yet to even hint of a comeback. Now the expert commentator for HBO’s ‘Boxing After Dark’, Lewis has happily adapted to life after boxing, and is truly content being ringside rather than in the ring.
Since Lewis’s departure from the sport, the heavyweight division has completely collapsed. In three years, there have been zero unification bouts and only one Ring Magazine Champion (a highly questionable one at that). Many people have been calling for ‘The Lion’ to come back and possibly mend the mess he left behind, but Lewis is far too at ease with his new life, and realizes he has already reached the pinnacle of his athletic career.
“There’s no need for me to come back,” said Lewis. “I’ve become the undisputed heavyweight champion of the world, and you can’t get any higher than that.”
Other than glory, a significant factor for many fighters to come out of retirement is the inability to resist one last payday something Lewis could easily obtain. However, he has a paying job which he enjoys immensely, and he simply doesn’t need the money.
“I could come back and make a lot of money, but I’m getting paid announcing, and I love it. I know what I’m
commentating on. I’m good for the job because people know I’ve been in the ring. That life is a lot better for me right now.”
For Lewis, becoming a commentator also meant becoming one of boxing’s analytical vanguards. Obviously, he has kept a close eye on the heavyweight division where much has happened in the past few weeks. So what are Lewis’s thoughts on the recent performances of Wladimir Klitschko and Shannon Briggs?
“I thought Klitschko had an easy time Saturday night. I don’t think he has much competition right now, and if you don’t have that you can’t be considered great. Also, Klitschko hasn’t really been hit yet. The guys he’s been facing have all yet to really catch him on the chin, and until someone does that, it will hard to tell how good he really is. As for Briggs, he worked very hard to become champion. Against Lyakhovich, he fought a smart fight, but if he can remain a champion remains a question.”
With the lack of unification bouts in heavyweight boxing, many fans are beginning to wonder if we will ever see another undisputed champion. Lewis believes unification could happen, but recognizes the obstacles in the way.
“It’s a possibility, but promoters don’t want it. If there’s a unified champ, they won’t make money. They’re happy collecting purses from their champions fighting number one contenders.”
So what is Lewis doing when he’s not announcing?
“I have a six month old girl and a two year old boy. That’s the future right there. My son may have boxing in his blood we’ll have to see when he gets older, but I want him to be a lawyer. I also have a chance to be in two movies.”
And Lewis would want to fight again why?
Writer’s note: As I had mentioned in my previous article, Myspace.com could be boxing’s savior because of its easy contacting system. This interview was the perfect example. Lewis, who has a Myspace account, posted a bulletin telling fans to give him their number so he could call them. I happened to read the bulletin and was able to secure the interview. Also, special thanks goes out to Lewis who may have been the most friendly boxer I’ve interviewed to date.
© Copyright / All Rights reserved: Doghouse Boxing 1998-2006


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| Nov 13, 2023
Imagine yourself as The Mother Aisling (age: 42) or The Father Brian (age 45) or one of the 2 young children Sarah & William (ages: 1 and 3) of this young family where the mother has just been given a terminal cancer diagnosis with 6 to 12 months to live.
How would you feel:
- Want to know why me / why us?
- HOW WOULD YOU COPE?
This is the story of a young family who are supported by purple House cancer support. Aisling, Brian, Sarah, and William lives were irrevocably altered when they received the devastating news of Aisling’s cancer diagnosis.
Aisling knows She is going to die from cancer, and she will leave her children Sarah & William and husband Brian behind. Brian knows his wife is dying and he will be left alone with their two young children Sarah and William.
As well as being very ill due to her diagnosis Aisling began suffering from anxiety and chronic fear this was drastically elevated with the support services that she availed of at Purple House cancer support.
Unfortunately, and sadly, Brian lost his wife Aisling and Sarah & William lost their mother the person who they loved and depended upon most in the World.
They all suffered distress, anxiety, and chronic fear. They had various support services at Purple House cancer support and learned to cope and come to terms with Aisling’s illness and death as they began to carry on with their day to day lives without her.
They are now all in a better place and getting on with their day to day lives with the continued support services from Purple House cancer support a few years later.
A cancer diagnosis or bereavement from cancer leads to distress, anxiety and chronic fear for the person directly affected, their entire family and all their loved ones and is a major factor in poor mental health and unhappiness effecting their overall well-being.
It is estimated that 1 in 2 people will get cancer and they will need emotional support and practical help.
Purple House supported 822 families last year mainly from Southeast Ireland and South Dublin however it is estimated that 210,000 families will require support in Southeast Ireland including South Dublin alone based on the statistics of 1 in 2. Our goal is to be able to help the other 209,178 families.
The story of Aisling, Brian, Sarah and Wiliam is a poignant reminder of the immense challenges that cancer brings and the crucial role of our support services at Purple House play in guiding families through their darkest hours toward eventual heling and resilience.


Karimnagar District Cooperative Central Bank Limited (KDCCB) Assistant Manager Posts | Graduation | Apply Now
Karimnagar District Cooperative Central Bank Ltd (KDCCB).
In the latest free job alerts notification, KDCCB announces job vacancies for Assistant Manager posts.
Under KDCCB Assistant Manager 2022 job notification, candidates who completed Graduation in the relevant subjects can apply.
On the basis of the interview, an applicant for the desired post will be finalized on merit.
The selected candidate will be recruited with salary pay of Rs. 26,080 to Rs. 57,860 per month.
An interested and qualified has to apply through online mode by 06.03.2022.
Eligibility Criteria For KDCCB Assistant Manager Posts:
No.of Vacancies: 19.
Name of the Posts:
Between 18 to 30 years.
Age relaxation is applicable as per Govt rules.
For SC/ST/PC/EXS candidates: Rs.250
For General/BC/EWS candidates: Rs.900
Candidates should complete Graduation in the relevant subjects can apply.
Based on the Online Test/Examination and Interview.
Steps to Apply:
Read job details at Adv Link
Fill the application form in the prescribed format through online
And take a printout of the application for future reference
Last date of online application submission by 06.03.2022.


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Kathleen Pratt, Ph.D.
Kathleen P. Pratt, Ph.D.
Name: Kathleen P. Pratt, Ph.D.
Hematologic and immune disorders
1984 BS Mathematical Sciences, University of Washington, Seattle, WA
1992 PhD Biophysical Chemistry, Cornell University, Ithaca, NY
Representative publications, projects, and/or deployments
- 2014 - present Associate Professor, F. Edward Hébert School of Medicine, Department of Medicine, Uniformed Services University of the Health Sciences (USUHS), Bethesda, MD
- 2013-2014 Assistant Professor, F. Edward Hébert School of Medicine, Department of Medicine, Uniformed Services University of the Health Sciences (USUHS), Bethesda, MD
- 2008-2013 Assistant Research Professor, University of Washington School of Medicine, Division of Hematology, Seattle, WA
- 2006-2013 Assistant Member, Puget Sound Blood Center Research Institute, Seattle, WA
- 2003-2006 Research Scientist, Puget Sound Blood Center, Seattle, WA
- 1999-2003 Staff Scientist, Hutchinson Cancer Research Center, Seattle, WA
- 2007 - present: Research awards (grants) from Bayer, CSL Behring, Pfizer, Grifols, Inc.
- 2008 “Henri Chaigneau” Prize of the Association Française des Hémophiles
- 2019 Dean's Impact Award, F. Edward Hébert School of Medicine, Department of Medicine, Uniformed Services University of the Health Sciences
- Pratt KP, Shen BW, Takeshima K, Davie EW, Fujikawa K, Stoddard BL. 1999. Structure of the C2 domain of human factor VIII at 1.5 angstrom resolution. Nature 402: 439-42. PMID: 10586887
- Spiegel PC, Jr., Jacquemin M, Saint-Remy J-MR, Stoddard BL, Pratt KP. 2001. Structure of a factor VIII C2-domain - Immunoglobulin G4k Fab complex: identification of an inhibitory antibody epitope on the surface of factor VIII. Blood98: 13-19. Plenary paper. PMID: 11418455
- James EA, Kwok WW, Thompson AR, Pratt KP. 2007. Analysis of CD4 T-cell responses to FVIII in a mild hemophilia A patient indicates early loss of tolerance to a C2 domain self peptide and sustained loss of tolerance to the wild-type peptide J Thromb Haemostas5:2399-47. PMID: 18034765
- Nguyen P-CT, Lewis KB, Ettinger RA, Schuman JT, Lin JC, Healey JF, Meeks SL, Lollar P, Pratt KP. 2014. High resolution mapping of epitopes on the C2 domain of factor VIII, using surface plasmon resonance. Blood 123(17): 2732-9.PMID: 24591205
- Gunasekera D, Ettinger RA, Liu M-C, Hughes RJ, Epstein MS, Cole SC, Barrett JC, Thompson AA, Withycombe J, Pratt KP. 2015. Factor VIII gene variants and inhibitor risk in hemophilia A patients. Blood 126(7): 895-904. PMID: 25617427
- Ettinger EA, Paz P, James EA, Gunasekera D, Aswad F, Thompson AR, Matthews DC, Pratt KP. T cells from three hemophilia A subjects recognized the same HLA-restricted FVIII epitope with a narrow TCR repertoire. Blood 2016: 128(16):2043-2054. PubMed PMID: 27471234
- Ettinger RA, Liberman JA, Gunasekera D, Puranik K, James EA, Thompson AR, Pratt KP. FVIII proteins with a modified immunodominant T-cell epitope exhibit reduced immunogenicity and normal FVIII activity. Blood Advances 2018: 2(4), 309-322. PubMed PMID: 29444
- Gunasekera D, Zimring JC, Pratt KP. A unique MHCII-binding register correlates with HLA-DR11- associated immunogenicity of the major K blood group antigen. Transfusion 2018: 58(5), 1171-81. PMID: 29464723
- Lacroix-Desmazes S, Voorberg J, Lilicrap D, Scott DW, Pratt KP. Tolerating Factor VIII: Recent Progress. Frontiers in Immunology 2020 Jan 10;10:2991. doi: 10.3389/fimmu.2019.02991. PMID: 31998296.
- Karim AF, Soltis AR, Sukumar G, Konigs C, Ewing N, Dalgard CL, Wilkerson MD, Pratt KP. Hemophilia A inhibitor subjects show unique PBMC gene expression profiles that include up- regulated immune modulators. Frontiers in Immunology 2020, June 12. Doi: 10.3389/fimmu.2020.01219. PMCID: PMC7303277

domain: biology


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EDITORIAL: DC COMICS
AUTOR: PETER GROSS, JOHN NEY RIEBER, SHERILYN VAN VALKENBURGH
FECHA DE EDICIÓN: ENERO 2022
DIMENSIONES: 18 x 27,5
ESTADO DE CONSERVACIÓN: NUEVO
1 Elemento artículos
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THE BOOKS OF MAGIC OMNIBUS VOL 2
The second and final omnibus of Peter Gross' amazing run of The Books of Magic series!
The son of a manipulative sorceress and a mystical falconer, Tim Hunter is destined to become the most powerful mage in the world. But as the young Londoner comes to terms with his abilities and future, he must deal with demons and wizards looking to claim his power. In the fourth volume of this enrapturing series, Tim's magical adventures continue as he has a remarkable encounter with Death, transforms himself into a cat, faces off against an ancient enchantress and celebrates his fourteenth birthday.
Readers can enjoy this expansive collection that includes The Books of Magic #33-75, The Books of Magic Annual #1-3, The Books of Faerie #1-3, Vertigo: Winter's Edge #1-3, Hellblazer: Books of Magic #1-2, Books of Faerie: Molly's Story #1-4, and Vertigo Secret Files: Hellblazer #1.
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Brandon Anderson Home News Lebanon News Share on Facebook WhatsApp Donate Tweet Copy Link A body was found along the Sidon-Tyre coastal highway in the Jisr Al-Matareya area right before the Lebanese army checkpoint, ElNashra reported. The Lebanese military intelligence set up a security cordon around the area. While the body was transferred to Saida Governmental Hospital. Security forces confirmed that the body that was found belonged to the 17 years old Palestinian Shehadeh Khader Rajab that went missing about five days ago. Share on Facebook WhatsApp Donate Tweet Copy Link Support our independent media! Become a Patron!


+420 377 241 177
- Investor: Farma Zelený
- Implementation: 2011
- Description: SYSTHERM processed the design and project documentation for heat supply to the Farmy Zelený premises in the Municipality of Drouhaveč na Šumavě. A biomass-chip-fired heat source and an alternative source – heat pump – were built. The heat from this source is supplied to the structures – guest house, family house, repair shops and wood dryer. The source uses Smart Heating Technology with an accumulation volume of 5,000 litres. The lines between the individual structures are executed in plastic pre-insulated pipes. All the modules in the guest-house boiler room such as expansion devices and heat transfer units for individual control in the flats are made of SYSTHERM technology. The heat pump in the guest-house is designed as a standby and peak source.
The boiler room system was implemented in SIEMENS technology with the SYSTHERM – WebHeatControl superior central dispatch, which also monitors and manages 3 pressure independent transfer stations at the offtake points and 5 household transfer stations in the guest-house. The WebHeatControl dispatch also works with weather forecasts in relation to the priority of the time frame of the operation of the peak heat pump and biomass-fired heat sources. WebHeatControl on the basis of the weather forecast controls the temperature of the heating water in the heat accumulation system.


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New Delhi (NVI): The United States has applauded India for supplying million doses of its COVID-19 vaccines to different South Asian nations including Maldives, Bhutan and Bangladesh.
The US Department of State called India a ‘true friend’, who is using its pharmaceutical sector to help the global community.
Taking to Twitter, the State SCA (the Bureau of South and Central Asian Affairs in US State Department) said, “We applaud India’s role in global health, sharing millions of doses of COVID-19 vaccine in South Asia. India’s free shipments of vaccine began w/Maldives, Bhutan, Bangladesh and Nepal and will extend to others.”
We applaud India’s role in global health, sharing millions of doses of COVID-19 vaccine in South Asia. India's free shipments of vaccine began w/Maldives, Bhutan, Bangladesh & Nepal & will extend to others. India's a true friend using its pharma to help the global community.
— State_SCA (@State_SCA) January 22, 2021
“India’s a true friend using its pharma to help the global community,” it added in a tweet.
In past few days, India has supplied COVID-19 vaccines manufactured in the country, to neighbouring countries including Nepal, Bangladesh, Bhutan and the Maldives under grant assistance in sync with its “Neighbourhood First” policy, according to the media reports.
Yesterday, large consignments of ‘Covishield’ vaccine doses, which is manufactured by Pune-based Serum Institute of India (SII) was flown in special Indian aircraft to Seychelles, Mauritius and Myanmar.
The consignment containing 1.5 million doses of Covishield vaccine was dispatched to Myanmar, 50,000 doses went to Seychelles and 1 lakh to Mauritius, the media reports said.
Apart from this, contractual supplies are also being undertaken to Saudi Arabia, South Africa, Morocco, Bangladesh and Myanmar, the Ministry of External Affairs (MEA) stated.
Earlier, the MEA spokesperson said that in an ongoing effort, India will continue to supply countries all over the world with vaccines.
“Keeping in view the domestic requirements of the phased rollout, India will continue to supply COVID-19 vaccines to partner countries over the coming weeks and months in a phased manner,” the MEA had said in a statement.


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Orange Amplification held a "Golden Ticket" promotion at this year's MusikMesse music conference in Frankfurt, Germany. Visitors lucky enough to find a golden ticket in their Orange bag received a Dark Terror guitar amplifier.
However, after searching and extending the deadline, Orange wasn't able to recover two missing tickets. After asking Facebook Fans for suggestions, Orange created two competitions to give away the remaining Dark Terrors and a bonus Micro Terror.
Orange asked Facebook fans to recreate their iconic Orange logo. The result was over 500 pieces of totally unique artwork. After much time and consideration, Orange has chosen the finalists and will be making each design their logo for their Website Homepage and Facebook for a day.
All the Finalists' designs are already posted on Facebook where fans are "liking" their favorite to vote for the winner. The winning design will be showcased on OrangeAmps.com further and the artist will be rewarded with a Micro Terror and a Dark Terror signed by Orange's Founder and CEO, Cliff Cooper.
You can still win a Dark Terror even if you didn't submit a design! At the end of the competition, one lucky Facebook fan that has engaged with the competition (sharing, commenting or liking), will be given a Dark Terror.
In 2005 Orange Amplification created the first "lunchbox amp," the Tiny Terror. Since then the Terror range has become one of the most popular among guitar players. The Dark Terror is a menacingly loud metal machine, perfect for hard rock and metal. The Micro Terror is the newest addition to the Terror range, boasting 20 Watts in a phone-sized package.
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