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Houston redirects here. For other meanings of the word, please see Houston (disambiguation)
Picture of the Downtown Houston Skyline
Houston is the fourth largest city in the United States and is one of the two largest economic areas in Texas. It is the county seat of Harris County6 and the far west portion of Houston also extends into Fort Bend County. Houston is situated in East Texas.
As of the 2000 census, the city had a total population of 1,953,631. Houston is one of the newest and fastest growing major cities in the United States. 50 years ago there were less than 500,000 people here, and 100 years ago Houston was the 85th largest town in the U.S. Now, quoted as the "Fastest Growing City in America" and "the Most Popular City to Relocate," there are as many as 5 million people living in the Houston Metropolitan Area. Houston covers about 600 square miles in area, and is also the largest city in the United States which does not have zoning laws.
Houston is world renowned for its energy industry (particularly oil),aeronautics industry and ship channel. The Port of Houston is the second busiest port in the United States, fifth busiest in the world. Because of the economic trades, many residents have moved in from other U.S. states, as well as hundreds of countries worldwide.
Officially, Houston has been nicknamed the Space City. "Houston" was the first word uttered on the moon, as Neil Armstrong reported back to NASA. It is known by the locals, however, as the Bayou City. (Other nicknames include "Clutch City", and "Magnolia City".)
The city had placed an unsuccessful bid for the 2012 Summer Olympics.
The Houston, Texas flag
Houston's Turbulent Beginning
John Kirby Allen and Augustus Chapman Allen were seeking to build a city right after the Texas Revolution. On August 1836, they purchased 6,642 acres of land from T. F. L. Parrot, John Austin's widow for $9,428. The land, on the ruins of Harrisburg, was named after Sam Houston, a Texas Revolution hero due to the proximity to San Jacinto. A woman named Gail Borden, Jr, who would later found the Borden milk company, designed the town.
After it was established, it started out as a hamlet. Its population then swelled into the hundreds and then the thousands. The Laura, the first ship ever to visit Houston and Galveston, arrived on January 1837. The city was granted incorporation by the state legislature on June 5, 1837. Houston was made as a temporary capital of Texas. The first business opportunity for the city vaporized when a businessman's uncle, whom was considering relocating his carriage making business, witnessed violence in a Texas saloon. He left the state never to return.
Lawlessness, diseases, and financial difficulties prompted Houstonians to put an end to their problems. And so, the wanted to make a Chamber of Commerce just for the city. A bill had been introduced on November 26, 1838 in Congress that would establish this entity. President Mirabeau B. Lamar signed the act into law on January 28, 1840. This move could not had come sooner; Some creditors had already cut off some Houston businessmen, and there were yellow fever outbreaks that claimed 10 percent of the population. Also, on January 14, 1839, the capital had been moved to Austin, known as Waterloo at the time. On April 14, 1840, several men met at the Carlos City Exchange and enacted the Chamber of Commerce. Conditions that were getting worse started to get better.
In 1840, the town was divided into four wards, each with different functions in the community. The wards are no longer political divisions, but their names are still used. The Texas Government started to promote colonization of the state. The Allen brothers started to promote their town. The Allen brothers were not particularly honest to the people whom they settled. They boasted of waterfalls in their advertisements when all Houston had were bayous. However, Houston did get many perks very quickly, since the brothers really wanted their city to succeed. Digging for a proposed Port of Houston began when Congress approved a move to dig out the Buffalo Bayou on January 9, 1842. $2000 came as financial aid. Houstonians had mixed opinions over the apparent statehood of their country. When Mexico was threatening Texas, President Sam Houston moved the capital to Houston on June 27, 1842. However, the Austin residents wanted to keep the archives in their city. This would be known as the Archive Wars. The capital was then moved to Washington on-the-Brazos on September 29. Austin became capital again in 1844. The port in Houston was getting some shipping business, but the shallowness of the water hampered massive shipping. During the 1850's, the Houstonians decided to build in a rail system to connect their port with rail links. 11 companies built 451 miles of track all before 1860. Mexican-Americans, who were one of the earliest immigrant groups to Houston, were preferred as railroad builders.
Houston first dabbled in shipping cotton, lumber, and other manufacturing products. Alexander McGowen established the iron industry, and Tom Whitmarsh built a cotton warehouse. A fire ravaged Houston on March 10, 1859, but the city rebuilt itself soon after.
Thousands of enslaved African-Americans lived near the city before the Civil War. Many of them around the city were on sugar and cotton plantations, while many in the city limits did housework. 49 percent of the city's population was enslaved in 1860. Slave life in the city was generally easier than slave life outside of the city.
The Civil War and the Reconstruction
As 1860 came along, most Houstonians supported John C. Breckenridge, an independent democrat candidate. However, he lost the election. As the civil war went underway, people whom were loyal to the Confederacy and people whom were loyal to the Union had a falling out. The Chamber of Commerce kept the city together during the conflict. Galveston got blockaded on October 4, 1862, which in turn soured Houston's economy. On January 1, 1863, John B. Magruder's Confederate forces recaptured the city. However, the war was won by the Unionists and Texas got four years under military rule as a punishment, along with all of the other Confederate states sans Tennessee. June 19, 1865 became "Juneteenth" when Major General Gordon Granger came to Galveston and announced the end of slavery. In 1869, the Ship Channel Company was made to help dig up the Buffalo Bayou. Texas' developments were revived shortly after the "carpetbagger" rule. On May 1870, Houston was the site of the State Fair. The fair remained until 1878.After Texas readmitted itself to the Union in April 16, 1870, Houston was going to grow during the reconstruction era. Houston became a port of entry on July 16, 1870. Its new charter drew up eight wards. Many freed slaves opened businesses and worked under contracts. The Freedmen's Bureau stopped abuse of the contracts in 1870. Many African-Americans at the time were in unskilled labor. Many former slaves legalised their current marriages after the Anerican Civil War. African-American pupils were taught in separate facilities from Caucasian children. Soon after the Reconstruction, Jim Crow laws arrived in Houston.
Lumber became a large part of the port's exports, with merchandise as its chief import. The Houston Post was established in 1880. The Houston Chronicle followed on August 23 of that year. Former U. S. President Ulysses Grant came to Houston to celebrate the opening of the Union Station, which had rail links with New Orleans. Fifth Ward residents threatened to secede from Houston because they felt they already had been separated. An iron drawbridge built in 1883 pacified them, and they did not secede. In 1887, the Sisters of Charity of the Incarnate Word established a hospital that would become Saint Joseph's Hospital.
The Early 1900's
In 1893, George H. Hermann donated a site for the purpose of a charitable hospital. It would later become Memorial Hermann Hospital in the Texas Medical Center. In 1898, Houstonians appealed before Congress for permission to turn the Buffalo Bayou into a deepwater port. The Spanish-American War prompted them to request permission. Congress approved it on March 3, 1899 and amended the act on February 20, 1900. On September 8 - September 9, the Great Galveston Hurricane savagely tore apart the city of Galveston, Texas. After the incident, investors were afraid of its location, and invested in Houston. The oil discovery at Spindletop in Beaumont, Texas in 1901 prompted a new industry to be developed in Texas. The oil trade would transform Houston from a smaller town into a large city. In 1902, Theodore Roosevelt had approved a one-million dollar fund for the Ship Channel. By 1910, the population of Houston was larger than that of Galveston. 1902 also saw the first Japanese Americans into Texas, who moved there after Sadatsuchi Uchida gave a fact-finding tour of the Gulf Coast region. This would establish rice as a crop of the Gulf Coast area. In 1912, the Rice Institute (now Rice University) opened in the West University area. By 1913, twelve oil companies had located themselves in Houston. President Woodrow Wilson opened the port in 1914, 74 years after the digging started. Service started with the Satilla, a ship that ran from Houston to New York, New York. Mexican-Americans displaced by the civil war started flooding the city of Houston. Ever since, Mexicans and other Latin-Americans were a heavy influence in the city of Houston. World War I put the gasoline-combustible automobile into widespread use, causing oil to become a precious commodity. However, the war caused the amount of tonnage arriving to drop. After the war, the rice business fell flat, causing many Japanese-Americans to find other work or to move out of Texas.
On May 30, 1922, George Hermann, a millionaire, donated land to the city that would later become the Hermann Park. September of the same year saw the start of the Houston Zoo. The zoo was started when Houston schoolchildren bought two ostriches. The zoo was later moved from Sam Houston Park to Hermann Park. September 26 saw the first international-bound ship in the port. During the Roaring Twenties', more specifically 1927, the state highway to Houston was built. Bus and truck operations also fell into swing. August 1929 saw the first Sears into Houston. Then Black Tuesday threw devastating blow to the economy of the entire United States. Houston's growth was much smaller, but the city still grew. Mexican Americans no longer saw easy to obtain jobs, yet several were successful by catering to the Caucasian market in the city. The Houston Livestock Show and Rodeo came in 1932. The University of Houston came in 1934. A flood in 1935 further worsened conditions, and Houstonians were forced to clean up the mess. Air service by Braniff and Eastern Airlines came in 1935 and 1936. By the end of the decade, Houston was encountering growth pains, as the city had inadequate air service and that it was no longer a frontier town. Houston became the largest city in Texas in terms of population in 1939. Many immigrants and African-Americans from Lousiana and other parts of Texas moved to the city to find education or work. The city obtained a very multicultural atmosphere, with large African-American and immigrant communities scattered about. However, African-Americans faced bad housing and poor jobs during this time period. Nethertheless, African-American society developed so much that the city was, and still is, the African-American capital of Texas. Also, educational facilities for minority groups, including the Wiley College opened in this time period.
World War II to the 1970s
When World War II started, tonnage levels fell and five shipping lines ended service. April 1940 saw streetcar service replaced by buses. Pan Am started air service in 1942. World War II sparked the reopening of Ellington Field. The Cruiser Houston was named after the city. It sank after a vicious battle in Java, Indonesia in 1942. August 1942 also saw the new City Manager government enacted. The M. D. Anderson Foundation formed the Texas Medical Center in 1945. As a result of the war, aircraft and shipbuilding became large industries in Texas. Tonnage rose after the end of the war in 1946. During the same year, E. W. Bertner gave away 161 acres of land for the Texas Medical Center. Surburban Houston came to be in the period from 1946 to 1950. When Oscar D. Holcombe took his eight term in 1946, he abandoned the city manager type government. Foley's department store opened in 1947. The Alley Theatre got its first performance in 1947. The banking industry also rose to prominence in the late 1940's. Houston carried out a large annexation campaign to increase its size. When air conditioning came to the city, it was called the "World's Most Air Conditioned City". The economy of Houston reverted back to a healthy, port driven economy. Segregation was not as rampant and vicious as it was in other parts of the South. As demonstrated by the NAACP voting drive in the time period, many African-Americans in the city started to more openly challenge segregational laws.
The medical center became operational in the 1950's. The Galveston Freeway and the International Terminal at Houston International Airport (nowadays Hobby Airport) were signs of increasing wealth in the area. Millions of dollars were spent replacing aging infrastructure. In 1951, the Texas Children's Hospital and the Shriner's Hospital were built. Existing hospitals had expansions being completed. July 1, 1952 was the date of Houston's first network television. Another problem Houston had back in the 1950's was the fact that it needed a new water supply. They at first relied on ground water, but that caused land subsidence. They had proposals in the Texas Congress to use the Trinity river. Hattie Mae White was elected to the school board in 1959. She was the first African-American to be elected in a major position in Houston in the 20th Century. Starting in 1950, Japanese-Americans as a whole were leaving horticulture and going into business in larger cities, such as Houston.
In the year 1960, Houston International Airport was deemed inadequate for the needs of the city. This airport could not be expanded, so Houston Intercontinental Airport (now George Bush Intercontinental Airport) was going to be built north of the city. December 1961 saw Hurricane Carla, which was a very destructive hurricane that hit the city of Houston. On July 4, 1962, NASA opened the Manned Spacecraft Center in Clear Lake City, Texas, now the Lyndon B. Johnson Space Center. This would bring many jobs to the Houston area, especially Clear Lake City. July 1965 saw Brazoria County, Fort Bend County, Liberty County, and Montgomery County added to the Houston Metropolitan Area. December 1965 saw the opening of the Astrodome, then called the Harris County Domed Stadium. Barbara Jordan was elected to the Senate by Houstonians on November 8, 1966. Houston Intercontinental Airport was built in 1969. Houston International Airport, renamed to Hobby Airport, was closed to commercial aviation until 1971. In the 1970's, the Chinese American community in Houston started growing at a rapid rate. Although one had existed since the late 1800's, it was relatively small until the 1970's. One Shell Plaza and Two Shell Plaza got completed in 1971. One Shell Plaza, at the time, was the tallest building west of the Mississippi River. The Houston Independent School District had a slower plan to desegregate schools, but on June 1, 1970, the Federal officials struck it down and forced HISD to adopt zoning laws. There were still racial tensions over integration of the schools. The Houston Community College system got established in 1972 by HISD. Water pollution of the Houston Ship Channel became notorious in 1972. August 1973 saw the "Houston Mass Murders", which were the murders of 27 boys killed by 3 men. August 2 saw La Grange, Texas's "Chicken Ranch shut down thanks to Marvin Zindler's report. Work on the Texas Commerce Tower, now the J. P. Morgan Chase Tower, began in 1979. The same year saw a racially integrated City Council for the first time. The late 1970's saw a population boom thanks to the Arab Oil Embargo. People from the Rust Belt states would massively move into Texas. During the time period, five African-Americans served on city council. The Houston Independent School District was also forced to desegregate, which it did so. Some Hispanic Americans felt they were being discriminated against when they were being put with only African-Americans as part of the desegregation plan, so many took their children out of the schools and put them in "huelgas", or protest schools, until a ruling in 1973 satisfied their demands. The Third Ward became the center for African-American activity in the city.
1980's to Present Day
Several new construction projects, including The Park Shopping Mall, the Allied Bank Tower, the Gulf Tower and several other buildings were being carried out in downtown. The Transco Tower, the tallest building in the world outside of a CBD, was completed in 1983. METRO wanted to build a rail system connecting the city with the suburbs, but the plan was rejected by voters on June 11. The voters did approve plans for the George R. Brown Convention Center. August 18 saw Hurricane Alicia, which caused the most expensive damages in U.S. History. Alicia smashed Galveston and Houston. The massive population boom calmed down when oil prices fell in 1986 due to the embargo being lifted. The space industry also took a blow that year with the explosion of the Challenger in Florida. The first nine months of 1987 saw the death of eleven banks. The 1980's was a decade of recession for the Houston economy, although the cultural areas expanded. The George R. Brown Convention Center, the Wortham Theatre, and the Menil Collection open this month. On August 7, 1988, Congressman Mickey Leland died in a plane crash in Ethiopia. On October 3, a Phillips 66 plant exploded in Pasadena, Texas, killing 23 and injuring 130. Admission fees on the Houston Zoo came the first time that year.
1990 saw the Mickey Leland International Airlines building of Houston Intercontinental Airport open. The 12-gate terminal was named after Mickey Leland. In 1991, Sakowitz stores shut down. The Sakowitz brothers had brought their original store from Galveston to Houston in 1911. August 10, 1991 saw a redrawing of districts for city council. Minority groups wanted to get more members into the city council. 1993 saw the G8 visiting to discuss world issues. Kingwood, Texas got annexed in 1996, causing some residents to get angry. In the mid-1990's, Rod Paige became superintendent of HISD, and the district became very well known for high test scores. Paige later left to be in the cabinet of George W. Bush when he became President.
The sports teams had outdated stadiums, and they had threatened to leave Houston. The Houston Oilers did so after several threats, so the city built Enron Field, now Minute Maid Park for the baseball team. Reliant Stadium came up for the Houston Texans. Tropical Storm Allison devastated many neighborhoods with flooding in June 2001. Soon after September 11, Enron, a company in Houston, got caught in accounting scandals in October 2001. Andrew Fastow was arrested and the company was sued. The new Terminal E at George Bush Intercontinental Airport partially opened on June 3, 2003. The rest will open in December. The Toyota Center, the stadium for the basketball and hockey teams, opened in fall 2003. METRO put in light rail service on January 1, 2004. Voters have decided by a close margin (52 yes to 48 no) that METRO's light rail shall be implemented.
A challenge Houston faces is how the city can wean itself from dependence on the oil trade, which will not last forever.
Geography and Climate
According to the United States Census Bureau, the city has a total area of 1,558.4 km² (601.7 mi²). 1,500.7 km² (579.4 mi²) of it is land and 57.7 km² (22.3 mi²) of it is water. The total area is 3.70% water.
Houston's climate is classified as being a humid subtropical. Houston has the gulf coastal plains biome. The vegetation is classified as a temperate grassland. It has a hot and humid climate because the winds from the Gulf of Mexico pick up a lot of moisture and deposit it in the area. Average precipitation levels range from 36 to 48 inches. The air tends to feel still, especially in the summertime. The humidity tends to make the air feel hotter than it really is. It is not uncommon for afternoon rains to occur in the city, and many Houston meteorologists almost never give out a zero percent chance of rain. The winters are cool and temperate, but are not as cold as in North Texas. Thunderstorms occur quite a bit during the summertime.
Houston has three bayous passing through the city. The Buffalo Bayou, which runs into downtown, the Brays Bayou, which runs along the Texas Medical Center, and the Sims Bayou in the south of Houston merge in downtown Houston into the Houston Ship Channel. The Ship Channel goes past Galveston, Texas into the Gulf of Mexico.
Most of Houston is very flat and has about fifty feet above sea level in elevation. The Houston Heights area has the highest elevation in the city. The city once relied on groundwater for its water needs. Land subsidence forced the city to turn to ground-level water sources.
Hurricanes have slammed into the Texas Gulf Coast on numerous occasions. Several hurricanes have passed through Houston, causing death and destruction. Ironically, a hurricane prevented Galveston from becoming the economic power in southeast Texas; Houston now has the economic prowess in the region. A recent example on how the hurricane can affect the way of life was actually a tropical storm. Tropical Storm Allison passed through the city on June 2001. Many neighborhoods had changed because of the storm; older houses in some afflicted neighborhoods have been torn down and replaced with larger houses with larger foundations.
Houston's climate is often compared to that of Dallas, Texas. Dallas has a hot and dry climate while Houston has a hot and humid climate. While Dallas gets hotter temperatures, Houston's heat index is often higher.
A simulated-color satellite image of Houston, Texas, taken on NASA's Landsat 7 satellite. In the very center is Downtown Houston. Galveston is also clearly visible in the picture.
As of the census of 2000, there are 1,953,631 people, 717,945 households, and 457,330 families residing in the city. The population density is 1,301.8/km² (3,371.7/mi²). There are 782,009 housing units at an average density of 521.1/km² (1,349.6/mi²). The racial makeup of the city is 49.27% White, 25.31% African American, 0.44% Native American, 5.31% Asian, 0.06% Pacific Islander, 16.46% from other races, and 3.15% from two or more races. 37.41% of the population are Hispanic or Latino of any race.
There are 717,945 households out of which 33.1% have children under the age of 18 living with them, 43.2% are married couples living together, 15.3% have a female householder with no husband present, and 36.3% are non-families. 29.6% of all households are made up of individuals and 6.2% have someone living alone who is 65 years of age or older. The average household size is 2.67 and the average family size is 3.39.
In the city the population is spread out with 27.5% under the age of 18, 11.2% from 18 to 24, 33.8% from 25 to 44, 19.1% from 45 to 64, and 8.4% who are 65 years of age or older. The median age is 31 years. For every 100 females there are 99.7 males. For every 100 females age 18 and over, there are 97.8 males.
The median income for a household in the city is $36,616, and the median income for a family is $40,443. Males have a median income of $32,084 versus $27,371 for females. The per capita income for the city is $20,101. 19.2% of the population and 16.0% of families are below the poverty line. Out of the total people living in poverty, 26.1% are under the age of 18 and 14.3% are 65 or older.
The Hispanic population in Houston is increasing as more and more from Latin countries try to find work in Houston. Hispanics make up a significant amount of the population. Houston has the third largest Hispanic population in the United States. People from Asian countries such as China, Korea, Japan, India, and Pakistan are also flocking to Houston. Houston has two Chinatowns, as well as the second largest Vietnamese population in the United States. Recent problems with taxes are forcing the Vietnamese out of their current neigborhood into other areas. Houston has the second highest South African population in the United States, after Miami, Florida. Houston also boasts of having a population with a younger age than the national average.
Areas of the city
The San Jacinto Battleground State Park, which commemmorates the Battle of San Jacinto, is located in the suburb of Deer Park
Houston, being America's largest city without zoning laws, has grown in an unusual manner. Rather than a single downtown as the center of the city's employment, various other satellite downtowns or "employment centers" have sprung up all the city. Other than the actual Downtown, these employment centers include:
Zip codes in Houston range from 77002 to 77598.
Most Houstonians like to go to Galveston when they feel like they want to go to a beach close to home. Beach houses owned by Houstonians have sprung up in other cities along the shoreline to the Gulf of Mexico. Houstonians also go to Kemah for the Kemah Boardwalk, which has many seafood restaurants and local tourist attractions. Kemah is surrounded by Galveston Bay to the east and Clear Lake to the west.
Locations in Houston are generally classified as either being inside or outside Interstate 610, known as the 610 Loop. Inside the loop holds most of the city, including the Central business district and the cities of West University, Bellaire and Southside Place. The outerlying areas of Houston, as well as the airports and the suburbs and exurbs are outside the loop.
Locations within the Houston city limits that are inside the 610 Loop use the 713 area code. Those outside the loop that are within the city limits use the 281 or 832 area code. Areas far north, west, east and south of the inner-city also use 936 and/or 409.
The towns of Kingwood, Alief and Clear Lake City have recently become annexed into the city of Houston, increasing the city limit's population.
For a full list of the cities in the Houston area, see:
- Brazoria County
- Chambers County
- Fort Bend County
- Galveston County
- Harris County
- Liberty County
- Montgomery County
TransportationHouston has a Los Angeles-style road network, complete with HOV lanes, which often get filled with vans and carpools. The dependence on cars causes various pollution problems, including ozone warnings. The ozone problems can get very bad if a temperature inversion occurs. Houston has been ranked as the most polluted city in the United States.
The 610 Loop circles the city of Houston and helps people go to work or school. 610 is quartered into the "North Loop", "South Loop", "West Loop", and "East Loop" by the locals.
Going north on Interstate 45 leads to Dallas, Texas and Fort Worth. Interstate 10 westbound leads to San Antonio, Texas, and eastbound leads to New Orleans, Louisiana and Baton Rouge. Highway 290 provides a direct route to Austin, Texas.
The Hardy Toll Road is popular on the commute between I-610 and Bush Intercontinental Airport.
Residents tend to refer to Freeways and Tollways by their names instead of their numbers.
The Portmanteau word "Eastex" comes from the words "East" and "Texas".
For a road map of Houston, click here
The Metropolitan Transit Authority of Harris County, Texas, or METRO, provides public transportation in the form of buses, trolleys, and lift vans. Uptown, METRO provides free service on the Uptown Shuttle. The city got the METRORail, a light rail service, on January 1, 2004. It runs primarily along Main Sreet from central Downtown Houston to the Texas Medical Center and Reliant Park. An expansion has been proposed to run the service all along the central Houston area, including Uptown. METRO hopes to have expanded the Light Rail to the 2 major airports, as well as the Bay Area and along the Southwest Freeway. This is Texas' second major light rail service, after DART's light rail service in Dallas, Texas.
List of Major Freeways
Houston had several growth spurts in relation to the Texas oil industry. Houston became a major port because of the downfall of Galveston and the Houston Ship Channel. The 1920's had Houston's first growth spurt.
The city's second growth spurt occurred in the late 1970's, with the Arab Oil Embargo. Demand on Texas oil increased, and many people from the northeast came down to profit from the trade. When the embargo was lifted, the growth stopped. However, Pasadena still has its refineries, and the Port of Houston is among the busiest in the world. Houston has attempted to build a banking industry in the city, but all of the companies which had been started in Houston were merged with other companies nationwide. It still is vital to the region, but most of the banks operating there are not based in Houston. Real Estate is also a large business in the Houston area.
Houston is unique in being the largest American city without zoning regulations.
The city has the second lowest cost of living in comparison to other major U.S. cities. The housing in Houston is also one of the most affordable in the Nation.
Houston in also the home of NASA's Johnson Space Center, the Reliant Astrodome and the world-renowned Alley Theatre.
List of Major Companies
This is a list of major companies headquartered in Houston and the Houston Metropolitan Area. Compaq was headquartered in Houston before it was bought out by Hewlett-Packard.
Imperial Sugar is based in nearby Sugar Land. Loch Energy is based in Humble.
People and culture of Houston
Houstonians are seen as the down-to-earth types. They are said to look more at the face value of someone and are more open than Dallasites. Many people currently living in Houston have come from other U.S. states or other countries worldwide. About 90 languages are spoken in the area. If someone is seen to be skirting the norms, but no harm was truly done, then many Houstonians wouldn't care about what that person did.
Houston has a very international flavor seeping around the city due to different ethnic groups, including Hispanics, African-Americans, ethnic Europeans from Germany, Greece, and France, Jews, Chinese, Japanese, Vietnamese, Koreans, Indians, Pakistanis, Arabs, and South Africans. Street signs are seen in Chinese and Vietnamese.
Several International festivals get hosted periodically throughout the year.
Because Houston and Dallas are both the major economic centers of the state, the two cities enjoy a friendly rivalry which causes many of the assets of one city to be compared to the assets of the other city. For example, although Dallas has more restaurants per person than even New York City, Houstonians eat out more often than residents of any other city in the United States.
List of famous and infamous people raised in Houston
The influx of Hispanics is the chief reason that Houston is has a large Roman Catholic population. Protestantism is also widely practiced in the city. The Beth Yushuron Temple and about two others in the area are seen as a meeting place for the city's Hebrew population. The influx of Asians is increasing the amount of Muslims in the city.
Law and Government
Houston is the county seat of Harris County, and a far western portion of it extends into Fort Bend County.
The current mayor of Houston is Bill White, who is on his first term. A mayor, who is the executive branch of the city government, can be elected consecutively for three terms.
City council members, who make up the legislative branch, are elected from nine districts in the city.
Murders and disasters
Picture of the Reliant Astrodome
The Houston Oilers were based in Texas, but moved to Memphis and later, Nashville, Tennessee, and became the Tennessee Titans.
Houston also formerly had the Arena Football League team Houston Thunderbears, and the minor league Soccer team Houston Hotshots.
ABC-13 KTRK TV's Wayne Dolcefino released a controversial report that allegedly showed bad business practices of a charity called "Kid Care". Since then, the charity's donations dwindled, leaving the owner fuming.
Museums not located in the Museum District
Houston has a variety of newspapers, with the Houston Chronicle being read all across the South-Central United States. Houston also is home to the TV stations that serve the metro-area.
List of Newspapers
The Houston Independent School District is considered to be one of the best urban school districts in the United States. Rod Paige, the former superintendent, elevated the district to that level.
Colleges and Universities
Houston in film and TV
Part or all of these movies/shows take place in Houston and/or the Houston area
Though many movies are shot in the Houston area, the storyline does not include the story taking place in Houston.
ABC-13 KTRK TV's Wayne Dolcefino released a controversial report that allegedly showed bad business practices of a charity called "Kid Care". Since then, the charity's donations dwindled, leaving the owner fuming.
|North: The Woodlands, Conroe|
|West: Katy, Sugar Land||Houston, Bellaire, West University, Southside Place, George Bush Intercontinental Airport, Hobby Airport||East: Baytown, Liberty|

domain: geography


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Guitar Chord Dictionary - Morton Manus
Guitar Chord Dictionary is a fact-filled reference book that allows you to quickly look up chords in all positions. Superbly presented, the clear chord diagrams, photographs, fingering patterns and illustrations make this guide very easy to follow and great for beginners. Morton Manus' guide also includes information on tuning and an introduction to the basics of music notation.
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domain: hobby


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Lahore: Ameer, Jamaat e Islami, Pakistan, Syed Munawar Hasan has condemned the Foreign Office statement regarding the London Police raid on what he claimed to be the business address of the MQM leader Altaf Husain, terming it most shameful.
In a press statement here on Sunday, he said that the London police raid in connection with Dr Imran Farooq’s murder was purely professional and non political, and the Foreign Office was not required to issue any explanation in this regard.
He said the FO statement clearly showed that the government was a hostage in the hands of the MQM and was making every effort to please, even flatter it. That was why the MQM had been blackmailing the government for the acceptance of its unlawful demands. The rulers were being blackmailed and the Federal Interior Minister had been time and again meeting Altaf Husain in London and tendering apology to him, he charged.
Hasan, however, said that the blood of innocent people would speak sooner or later and the killers would ultimately have to face the law.

domain: news


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Greeting, Sorors, Sigma Brothers, Amicae, Youth and Friends –
It is my pleasure to welcome you to our international Web site on behalf of the more than 120,000 members of Zeta Phi Beta Sorority, Incorporated worldwide! We are delighted that you have taken this opportunity to visit us in our virtual home.
Started in 1920 under the cloak of one of the most tumultuous eras for women and people of color in the United States, Zeta Phi Beta Sorority was founded at Howard University to establish a new organization predicated on the precepts of Scholarship, Service, Sisterhood and Finer Womanhood. Our Founders wanted the sorority to reach college women in all parts of the country who were sorority minded and desired to follow the founding principles of the organization. Since then, women with diverse backgrounds have joined our organization to further promote Zeta’s ideals and continue the legacy of our Founders.
More than ever, Zetas are community-conscious and action-oriented. We have collaborated with our partners and agencies who believe in Zeta’s mission, and our impact is greater because we work together. Helping others excel is one of our greatest strengths. Z-HOPE (Zetas Helping Other People Excel through Mind, Body and Spirit) is one of our signature programs. Through this facet, we have touched many lives across the country and worldwide. To date, we have commissioned more than 50 water wells in Ghana, West Africa; raised hundreds of thousands of dollars for March for Babies, a long-standing partnership with March of Dimes; and raised awareness regarding healthy living and positive lifestyle changes. The work of our chapters worldwide is more urgent now than ever.
We stand united and committed to future generations through sponsoring youth groups; promoting pre-natal care and decreasing the number of premature births through our Stork’s Nest program; awarding more scholarships through the National Educational Foundation, local chapters, and Amicae auxiliaries; and devoting more time to ensure that our seniors are treated with love, fairness and dignity through our Elder Care Initiative.
Leadership development is a key component to the survival of Zeta Phi Beta Sorority, Incorporated, and we have committed ourselves through the Zeta Organizational Leadership Program (ZOL) by preparing Zeta’s next generation of leaders. When we expect more, people rise to the level of our expectations. We invite you to join us in our quest as we continue Building on the Principles of Zeta While Blazing New Paths.
Serving in Sisterly Love,
Mary Breaux Wright

domain: sociology


text:
Starts with basics like how to set up the drums, hold the sticks and read music. Teaches rock and jazz beats that make use of the whole drumset, and covers improvisation, playing "time," and using fills to connect ideas. The DVD provides every example in the book performed by a live drummer. 48 pages.
YOU MAY ALSO LIKE:
Alfred's MAX Instructional Book/DVD series for Guitar 2
Alfred's MAX Instructional Book/DVD series for Keyboard 1
Aebersold For Everyone - Drums
Best of Belwin Jazz: Young Jazz Collection for Jazz Ensemble - Drums
Drummers - Masters Of Time

domain: artistic


text:
Stay in the Heart of Bratislava
The Botel Gracia is an atypical hotel facility on the, in the of Bratislava, located directly opposite the Slovakian National Gallery, close to the New Bridge. Public parking is possible within 350 feet.
Enjoy panoramic views towards Bratislava Castle, the Danube and the bridges from the botel, which is only a 3-minute walk from the historical center. The Botel Gracia is thus perfectly suited for a sightseeing or business trip to the Slovak capital, offering free WiFi access.
The hotel is very easily accessible by public transport.
This is our guests' favorite part of Bratislava, according to independent reviews.
Couples in particular like the location – they rated it 9.2 for a two-person trip.
We speak your language!
Pets are allowed. Charges may apply.
Free! WiFi is available in all areas and is free of charge.
No parking available.

domain: travel


text:
ea0019p58 | Clinical practice/governance and case reports | SFEBES2009
, Meston Niki
, Shears Debbie
, Karavitaki Niki
, Wass JAH
Turner syndrome results from the complete or partial lack of one X chromosome and occurs in approximately 1:2500 female live births. The incidence of spontaneous puberty in the 45, X karyotype is about 9%. Spontaneous pregnancy has been reported in less than 5% of the cases, the majority of which have been described in subjects with mosaicism; these are often associated with high rates of miscarriage and stillbirth.A 51-year-old check-out supervisor was ...

domain: biology


va-tech-hydro has signed a major new contract, valued at more than US$83.4M, to build a pumped storage power plant in Tongbai, China, for the Zhejiang Provincial Electric Power Company on behalf of the Tongbai Pumped Storage Power Company.
Manufacture has already started on the offshore work and construction will take 60 months, with full commissioning due at the end of 2006.
Tongbai is located in the Zhejiang Province near the city of Tiantai about 400km south of Shanghai. This new plant is one of the largest pumped storage power plants in China and provides peak load energy. It has a total installed capacity of more than 1300MW accommodated in a large cavern. The full scope of work at the project includes:
• Four sets of Francis pump turbines, spherical valves and auxiliaries.
• Four motor generators.
• Balance of plant (eg, excitation system, digital protection system, computer supervisory and control system, static frequency converter).
The contract marks the first use of Neptun, VA Tech Hydro’s new complete and integrated automation system for hydro power plants. Neptun is based on the integration of all electronic parts of the different subsystems (eg, automation, protection, turbine governor) whilst preserving their individual functions, and represents a new generation of hydro power automation systems designed to meet the demands of the modern market, says the company.
‘This is the third major order for a pumped storage power plant VA Tech Hydro has won in China in recent years,’ says Christian Habegger, chairman of the VA Tech Hydro managing board.
‘It is a major emerging energy market and we are well placed to bring our range of experience and expertise to work with local partners to make sure that the best possible solutions are found.’


text:
“When the weather outside is threatening” and the warmth of the hearth is beckoning; one’s only option it seems, is to let it stream, let it stream, let it stream:
“THE GIRL FROM OSLO” (NETFLIX). Intriguing thriller revolving around the kidnapped daughter of a Norwegian diplomat and two Israeli friends, in the Sinai Peninsula; powerfully written and performed the tantalizing series leaves viewers yearning for a second round. Actors Amos Tamam, Anneke von der Lippe and Raida Adon add to the extraordinariness of this Israeli cliff-hanger.
“REYKA”. (AMAZON PRIME). An unlikely detective and role you’ll never forget, “Reyka” (Kim Engelbrecht) a multiracial kidnapped victim turned law enforcer in South Africia, visits her jailed kidnapper (Lain Glen), soliciting his aid in catching a serial killer.
“THE LONG CALL” (BRIT BOX). Based on the book by Ann Cleeves is a stunning and sensitive look at a detective (Ben Aldridge is superb as “Matthew Venn”) who chose an alternate lifestyle, moves from his small town, returning to solve a crime; touchingly written, splaying deep seated prejudices, and the scourging, painful methods to overcome them.
“THE WITNESSES” (AMAZON PRIME). Ingenuity permeates this distinctively brainy German series; crimes are solved by unearthing the memories of the witnesses; demanding the viewer’s absolute concentration; this series starring Alexandra Maria Lara as Dr. Jasmine Braun, the interpreter of memories, focuses on the reason a 10-year-old girl is abducted from a crowded museum, cementing one’s attentiveness for its entirety.
“MURDER IN….” (AMAZON PRIME). Only the French could choose deliciously inviting French towns and landscapes to be the backdrop of nasty deeds; remarkably, each episode is approximately 90 minutes, encapsulating the uninterrupted scenario; there are 8 seasons, and it is such fun jumping from one to another, disregarding the order of the episodes, deciding which village or metropolis catches your fancy!
“DALGLIESH” (AMAZON PRIME). Fans of dated detective shows: “Columbo”, “Murder She Wrote”, “Foyle’s War”, “Morse” will relish Detective Adam Dalgliesh (P.D. James) solving crimes in 1970’s England; Bertie Carvel is splendidly fervent in the role; intelligence abounds in “Dalgliesh”.
More to come in the New Year! Joy, love, and health to all in 2022!


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Camareh S Kamara was the 1st runner up in Sierra Leone's first ever live reality TV show, Big Sister Sierra Leone 2018. Camareh is also a registered nurse, a photographer and concept builder at Envzage Concepts, an aspiring fashion designer, actress and media presenter. Camareh wore a Mode floral print print midi gown from Madam Wokie's c for a promotional photoshoot following the Big Sister Salone 2018 competition. Congratulations Camareh on emerging 1st runner up. Madam Wokie wishes you all the best in your future endeavours. You can follow Camareh online on Instagram and Facebook.
#MadamWokie #EnvzageConcepts #CamarehSKamara

domain: celebrity


Crosswind landings: you are not driving a car!
DEAR AND wellbeloved student pilots,
Let me get right to the point: to land your airplane in a crosswind you must turn the ailerons into the wind as you touch down and steer with your feet. I’m writing you this letter because doing this is proving difficult for some of you, and as a consequence you end up sliding the aircraft sideways across the runway. This is bad for the tires, the undercarriage and my nerves. It has to stop, people.
When you taxi the airplane into a front quartering wind I have taught you to roll the yoke full into the side the wind is coming from: if the wind is coming from the front right, turn the yoke to the right. Front left – yoke to the left.
When you takeoff in a crosswind I have taught you to begin the takeoff roll with the yoke turned fully into the wind. Then, as you pick up speed, gradually reduce the aileron input. In a strong crosswind you’ll keep full aileron input until almost the very point of rotation.
You have demonstrated competence with these two things. You already know that keeping directional control of your airplane on the ground is aided by correct aileron deflection. Why? With a wind from the front right, turning the yoke to the right raises the right aileron and lowers the left. This increases the drag on the left wing and reduces the drag on the right wing, a phenomenon we have looked at in flight under the title of “aileron-induced adverse yaw”. It is the reason why you must use rudder and not just aileron as you roll an airplane into and out of a turn. On the ground we harness this effect to help the rudder prevent the airplane from weathercocking into the wind.
You are also accomplished at steering the airplane in the direction you want to go with the rudder, by using your feet on the pedals. You can taxi to the runway keeping the nose on the yellow line, and keep the aircraft in the middle of the runway as you takeoff, even in a crosswind.
So you cannot imagine for one second that after landing in a crosswind it’s ok to try to drive down the runway centreline steering with the yoke and with relaxed feet. It isn’t ok, it doesn’t work, and you must not try to do it.
Let’s back up a bit. You know that a good landing is achieved when the aircraft is over the runway centreline (position), tracking along the runway centreline (direction of motion) and pointing straight down the runway centreline (heading). That means that when the wheels touch the ground they do so with no side loading, no sideways stress on the tires, and the aircraft doesn’t jerk to the left or the right, nor try to steer itself off to the left or right.
To make those things happen use the rudder to adjust the heading of the airplane (yaw) so it’s pointing in the direction it is moving over the ground, and use the ailerons to bank the plane so that it slips sideways through the air just enough to compensate for the air moving sideways over the runway. That way you can both move along the centreline and point along the centreline, even with a wind blowing from one side. This is a slipping manoeuvre.
Most of you are actually pretty good at doing this for as long as the airplane is in the air. But problems begin at touchdown. At this point your inner pilot hands over the controls to your lizard brain: you relax on the rudder and let the ailerons go back to neutral, yoke horizontal, as if you were driving a car. But you’re not in a car, and the control inputs that make sense in a car are completely wrong in an airplane. By relaxing your hands you let the crosswind push you to the downwind side of the runway, and by relaxing your feet you let it yaw the plane nose into the wind. Then we do the old bump-and-slide, scraping our asses sideways along the tarmac and praying the plane will come to a stop as quickly as possible.
Please, for the love of all that’s holy – as the wheels touch continue to keep the nose straight with the rudder, and increase aileron deflection into the wind. Within two or three seconds of landing in any kind of crosswind you should have the yoke hard against the left or right stop, and you should keep it there with steady pressure through the entire rollout.
In anything more than a light crosswind you should be aiming to touch down on one wheel – the upwind wheel – first, and to use the ailerons to keep the other main gear wheel off the ground for as long as possible again, by increasing the aileron deflection. Only once the airplane has slowed down sufficiently for the ailerons no longer to be able to keep one wheel off the ground despite you holding the yoke against the stop, does that second wheel touch.
How do you tell what kind of crosswind you have? By looking out of the window. See the direction the plane points, and see the different direction it moves over the ground. If you need a lot of rudder to yaw the nose straight and a lot of opposite aileron input to keep the the plane over the centreline then you’re landing in a strong crosswind. If you need only light control inputs to achieve these things then the crosswind is light. It really doesn’t matter where the windsock is pointing or what the ATIS or Tower controller says. You move your hands and feet to make the plane do what you want. The control inputs will inform you what the wind is doing. Not vice versa.
When you do that you’ll get a soft, jerk-and-slide-free landing in any wind conditions, with no risk of bursting a tire, no risk of ripping the main gear legs off the fuselage, and no risk of burst blood vessels in your instructor.
Here is a video extract from a recent lesson where I worked on crosswind landings with a student, specifically use of rudder and ailerons:
Happy holidays, and happy crosswind landings to everyone.


A request by Jonathan Cagliero for a MUP/CDP to allow for: 1) construction of two 2,800 sf duplexes on two existing 8,000 sf parcels, 2) construction of three 2,100 sf duplexes on three existing 6,000 sf parcels, and 3) a request to modify the location standard for vacation rentals per coastal zone land use ordinance section 23.08.165(c)(1), and to allow one of the proposed duplexes to be used as a residential vacation rental.
California Coastal CommissionCalifornia Department of Fish and Wildlife, Central Region 4California Department of Parks and RecreationCalifornia Department of Transportation, District 5California Highway PatrolCalifornia Regional Water Quality Control Board, Central Coast Region 3Department of Water ResourcesOffice of Historic PreservationResources AgencyState Water Resources Control Board, Division of Drinking Water, District 6California Native American Heritage Commission
The document was originally posted before CEQAnet had the capability to host attachments for the public.
To obtain the original attachments for this document, please contact the lead agency at the contact information listed above.
You may also contact the OPR via email at firstname.lastname@example.org or via phone at (916) 445-0613.


text:
Vacationing in Bali will be an unforgettable moment. There will be many things to discover and enjoy such as its natural beauty, its unique culture and many other things. This island is famous for its charm of natural beauty. Many tourists ranging from local tourists to foreign tourists visiting Bali. Therefore, it is not surprising that Bali is crowded by tourists during the holiday season.
There are many interesting and popular tourist objects that must be visited. Starting from natural attractions, cultural attractions, and various other fun places. The tourists who visit will not run out of choices of interesting places to visit. One of them is Kroya Waterfall.
The Kroya waterfall tourist attraction in Sambangan village, Buleleng, is one of the ideal natural recreation areas for trekking or nature adventures. Indeed, adventure nature tourism is one of the holiday activities on the island of the Gods Bali which is quite in demand by tourists, especially for young people who always want to get new experiences, then adventure and blending with nature is a very ideal choice. As is well known, the island of Bali itself not only presents the natural beauty of the beach with watersport activities that offer many challenging games, if tourists are bored with the nature of the beach, the beautiful nature of the mountains and natural waterfalls, such as the Kroya waterfall in the tourist area of ????North Bali tourism can be a tourist adventure destination. next.
The North Bali area or the Buleleng area is not only famous for its Lovina beach and dolphin treats in the morning, but the Buleleng area is the center of waterfalls in Bali, so it is not wrong for tourists to schedule tours to the North Bali area.
Sambangan Village in Sukasada District, Kab. Buleleng is indeed quite special among other village areas, the calm and beautiful village atmosphere provides quite a special tourist offer, presenting various natural beauties such as rice fields, plantations, protected forest areas and also seven waterfalls. The charm of the Sambangan village, complete with waterfall attractions, completes the list of natural recreation areas in the North Bali tourism area.
Besides the Kroya waterfall, there are Aling-aling, Cemara, Dedari, Canging, Pucuk and Twin waterfalls waterfalls. It is conceivable that 7 waterfalls with a combination of other natural beauty in a calm village natural feel, will be able to provide a special tourist experience in tourist adventures.
The attraction of Sambangan village in Buleleng makes it a trekking tourism destination that is currently trending and hits, trekking tours are the most favorite tourist destinations in Sambangan village, this trekking activity is not only for foreign tourists but also domestic, there are trekking tour providers providing interesting adventure route in Sambangan village. This area is now better known as Sambangan Secret Garden.
Sambangan Village, Sukasada District, Buleleng Regency.
Triple 8 Tour is a Travel Agent based in Bali, Indonesia.
Our company is a gateway to travelling around Indonesia for Local or foreign people who want to travel with a unique and affordable travel.
We are specialize in tour Inbound in Bali, but we are expanding and enhancing our wide range of offers, as well as adding new and exciting tours of all around Indonesia.


Autoinspire Ltd are the leading clutch fitting centre in the Chesterfield area and a Valeo Clutch Expert Garage. The Valeo Clutch Expert Program aims to ensure independent garages like ourselves give a professional and reliable clutch fitting and replacement service to all it’s customers.
Valeo only endorses garage that have the mechanical expertise and knowledge to fit the correct products first time. Giving technical support to fit even the most difficult of clutches.
Free Clutch Health Check
If you are unsure of the condition of your clutch or you think your clutch may need replacing just call down to our garage where one of our technicians will carry out a free clutch health check and advise on the best possible options and provide you with a detailed quotation. No appointment needed just show up at a time that suits you best.
Costs of a clutch replacment
Clutch replacment costs vary from vehicle to vehicle. As the prices of parts and labour differ on each vehicle. If you would like a quote for a clutch please either call down or contact us by email or phone where we will be happy to discuss pricing options.
Dual Mass Flywheel Expense Worrys??
The symptons of a worn out dual mass are vibration when driving or setting off. Sometime the fragments from the broken down flywheel block up the starter motor causing starting issues. Ford mondeos and transits are particularly bad for this and just fitting a new starter motor will only cure the starting issue for a short period until the new starter motor gets blocked up.
But don’t worry Valeo have introduce a four piece conversion kit that replaces the dual mass flywheel with a solid flywheel with a clutch that contains heavy duty springs which do the job the dual mass flywheel was installed to do.
The conversion kits include a solid flywheel which has no wearing parts so it will last longer than a dual mass flywheel. These kits work out cheaper than fitting another dual mass and it is something less to worry about.
3 Piece Clutch Kits
The three main parts to your clutch are the friction plate or drive plate, the pressure plate and the release bearing. We sometimes get asked just to fit the item out of the three that is worn. But with the labour times involved in removing the gearbox this doesn’t make sense. Plus all the old parts will be worn so it is best to replace all parts while the gearbox is removed.
When the clutch is slipping the material on the friction plate has worn down so the fritcion can not enable drive from the engine to the gearbox.
Alternatively it could be hard to select gears so the pressure plate is not moving enough to allow you to engage in to gears.
Clutch Hydraulics and Cables
The clutch is operating using a pedal within the vehicle which can either be connected to the clutch via a cable or operated hydraulically via the displacment of clutch fluid. Or during more recent times electronically controlled.
If it is a hydraulic system the concentric cylinder which forms part of the release bearing has probably burst a seal this is housed inside the gearbox which will need replacing.
How a clutch works
A clutch in a vehicle is operated from inside the car via a pedal. By pressing and releasing the pedal, this motion engages and disengages the drive allowing the engine to move torque into the gearbox allowing the car to move.


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text:
“Asia-Pacific Ophthalmic Operating Microscope Market 2017-2021” Purchase This Report by calling ResearchnReports.com at +1-888-631-6977.
This market research report delves deep into the global Ophthalmic Operating Microscope market. It highlights the recent market scenario, growth in the past few years, and opportunities for manufacturers in the future. The research methods and tools used in the completion of this study are both primary and secondary research. The study further presents details on the investments initiated by several organizations, institutions, government, and non-government bodies.
The study presents an evaluation of the factors that are expected to inhibit or boost the progress of the global Ophthalmic Operating Microscope market. The global Ophthalmic Operating Microscope market has been examined thoroughly on the basis of key criteria such as end user, application, product, technology, and region. An analysis has been provided in the report of the key geographical segments and their share and position in the market. The estimated revenue and volume growth of the global Ophthalmic Operating Microscope market has also been offered in the report.
For Sample copy of this Report: https://www.researchnreports.com/request_sample.php?id=84239
Asia-Pacific Ophthalmic Operating Microscope market competition by top manufacturers/players, with Ophthalmic Operating Microscope sales volume, price, revenue (Million USD) and market share for each manufacturer/player; the top players including
Carl Zeiss Meditec, AG
Haag-Streit Diagnostics, AG
Inami & Co, Ltd.
Takagi Seiko Co. Ltd
This report surveys the Ophthalmic Operating Microscope market, scrutinizes and researches the Ophthalmic Operating Microscope development status and forecast in North America, Europe, Asia Pacific, Middle East & Africa and Latin America. This report also highlights the top players in this particular global market, as mentioned below,
This report further helps us to:-
Understand the factors which influence the Ophthalmic Operating Microscope market.
Unravels the challenges and opportunities faced by the companies operating in the Ophthalmic Operating Microscope market.
Considers important outcomes of Ophthalmic Operating Microscope analysis done.
Identifies leading players in Ophthalmic Operating Microscope market.
Discovers profitable regions globally and leading segments during the above stated forecast period.
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Table of Contents
Table of Contents
Asia-Pacific Ophthalmic Operating Microscope Market Report 2017
1 Ophthalmic Operating Microscope Overview
2 Asia-Pacific Ophthalmic Operating Microscope Competition by Players/Suppliers, Region, Type and Application
3 China Ophthalmic Operating Microscope (Volume, Value and Sales Price)
4 Japan Ophthalmic Operating Microscope (Volume, Value and Sales Price)
5 South Korea Ophthalmic Operating Microscope (Volume, Value and Sales Price)
6 Taiwan Ophthalmic Operating Microscope (Volume, Value and Sales Price)
7 India Ophthalmic Operating Microscope (Volume, Value and Sales Price)
8 Southeast Asia Ophthalmic Operating Microscope (Volume, Value and Sales Price)
9 Australia Ophthalmic Operating Microscope (Volume, Value and Sales Price)
10 Asia-Pacific Ophthalmic Operating Microscope Players/Suppliers Profiles and Sales Data
11 Ophthalmic Operating Microscope Manufacturing Cost Analysis
12 Industrial Chain, Sourcing Strategy and Downstream Buyers
13 Marketing Strategy Analysis, Distributors/Traders
14 Market Effect Factors Analysis
15 Asia-Pacific Ophthalmic Operating Microscope Market Forecast (2017-2022)
16 Research Findings and Conclusion
About Research N Reports:
Research N Reports is a new age market research firm where we focus on providing information that can be effectively applied. Today being a consumer driven market, companies require information to deal with the complex and dynamic world of choices. Where relying on a sound board firm for your decisions becomes crucial. Research N Reports specializes in industry analysis, market forecasts and as a result getting quality reports covering all verticals, whether be it gaining perspective on current market conditions or being ahead in the cut throat Global competition. Since we excel at business research to help businesses grow, we also offer consulting as an extended arm to our services which only helps us gain more insight into current trends and problems. Consequently we keep evolving as an all-rounder provider of viable information under one roof.
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Contact No. +1-888-631-6977

domain: economics


text:
By Noelia Trujillo
For many, this season is colorful — bright lights adorning homes, adorable ornaments beautifying Christmas trees, alluring wrapping paper blanketing presents and festive foods galore.
I got my personal fix of these annual luxuries this week while decorating my home and tree with family. But then the worry began trickling in: What gifts should I buy? How many? Will people like them? How can I afford everything when I’m practically broke? I couldn’t help but feel anxious and wish I didn’t have to fork up so much green in the coming months.
Turns out, I’m not alone. Simply searching “holiday stress” online will result in numerous articles listing facts about the holiday blues and seasonal affective disorder (SAD). Ronald Nathan, PhD, clinical professor at Albany Medical College in New York, told WebMD people tend to blame traffic, crowds and the pressure of consumption, but their biggest fault is in their unreasonable expectations.
What happened to ‘Tis the season to be jolly’? Instead of settling for seasonal blues this holiday season, try these seven tips to boost your mood:
Focus on physical health
It’s tempting to overindulge in holiday treats, especially when you’re stressed. Mayo Clinic suggests filling up on healthy snacks before holiday parties, getting lots of rest and doing physical exercise daily.
Sniff some citrus
Researchers found “citrus fragrances boost feelings of well-being and alleviate stress by upping levels of norepinephrine, a hormone that affects mood.”
Disconnect from technology
Texts, emails, phone calls and more can send adrenaline pumping and elevate stress during your holiday preparations. Take a technology or social media fast to focus on personal encounters and connections with family and friends.
Get rid of expectations
The holidays won’t be perfect or feel the same as when you were a child. Enjoy what you can with those you have around you, and don’t sweat the small stuff.
Seek the sunlight
When you’re feeling down, try to get at least 20 minutes of sunshine outdoors or near a window. It stimulates the production of feel-good serotonin and can combat SAD.
Give back to others
According to the U.S. Department of Housing and Urban Development, “In January 2014, 578,424 people were homeless on a given night.” While we stress about what gifts to buy or how to cook the perfect holiday meal, these individuals are living in shelters or on the street. Instead of worrying about our needs or wants, donate food, money, gifts or time to those in need.
Say I love you often
Seeing others light up at the sound of these sweet words is beautiful. There’s no better way to feel good than making others feel loved.

domain: psychology


text:
It's a bird; it's a plane; no, it's Vivianne Decker!
Jessie James Decker and Eric Decker stirred up controversy on Instagram on Nov. 17 when the country singer shared a photo of her hot hubby tossing their 20-month-old daughter frighteningly high into the air.
"Did it hurt? When you fell from heaven," the mother of two captioned a photo of the NFL star and their baby girl on Tuesday morning.
Vivianne clearly couldn't contain her joy while playing with her papa, but Jessie's Instagram followers were quick to judge the power couple for putting their daughter in a potentially dangerous situation.
"So cute but this looks f------ scary," commented one Instagram user.
"That's so high," chimed in another.
But Eric Decker isn't just any hot papa. He happens to be a wide receiver for the New York Jets -- so catching high-flying objects is sort of his thing!
And while Jessie's social media post may have raised a few eyebrows, the bulk of her followers were supportive of the super-cute family photo.
"I can't handle how perfect they are," gushed one fan.
Eric and Jessie also share a son, Eric Decker II, whom they just welcomed in September 2015.


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Turn some heads with the ultimate summer accessory that delivers a pop of personality and total UV sun protection.The Fantas-Eyes fashion-forward collection gives you freedom to channel your inner celebrity without breaking the bank.
Ranging in cost from only $18-$22 per frame with free shipping on all orders, you can definitely afford to snag more than one pair. So, stock up and dress up your entire wardrobe.
Fantas-Eyes frames offer style options, from retro to classic sunglasses, that work with your lifestyle.
Both urban trendsetters and beach bound divas will love the creative playful designs that come in all shapes and sizes. Created with individuality in mind, so you are never just another pretty face.
Fantasy can become reality.
Try the mirrored frames for a hippy chick look reminiscent of Kate Hudson aka Penny Lane in the Golden Globe award-winning film “Almost Famous”. Kate captured the hearts of viewers as a band groupie with her groovy shades and free-spirited attitude.
Wearing the right accessory may not make you a rock star, but will definitely make you feel like one.
Get ready to live life out loud and stand out in the crowd.
Go beyond…don’t just accessorize; FANTA…SEYES with a few of these favorites:
- Ides of March: Pretty in Pink. Cool cut out round frames with matching tips
- Eden: Bold and Beautiful. Oversize metal frames with rose gold mirrored lenses
- Daphne: Sassy Sister. Updated rounds with teal blue mirrored or smoke lenses
- Janine: Flower Power. Oversize rounds. Soft floral print with metal accents
- Legacy: Too Hip to be Square. Brow-bar square frames
The perfect party favor for Independence Day:
Stars & Stripes: Patriotic & Proud. Slick silver metal aviators with American Flag lenses
For more information and the complete catalog of frames, visit the Fantas-Eyes online store.

domain: design


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GREEN BAY, Wis. (AP) — Breece Hall, Quinnen Williams and the young New York Jets are making a compelling statement to the rest of the NFL.
They’re not the same old Jets, who haven’t made the playoffs since the 2010 season, the league’s longest active drought.
Hall ran for 116 yards, including a 34-yard touchdown, and Williams had two of New York’s four sacks against Aaron Rodgers as the Jets won their third straight, 27-10 over the Green Bay Packers on Sunday.
“It just shows we’re moving up,” said Hall, a second-round rookie who has quickly become a key playmaker on offense. “I feel like a lot of people expected it to be a surprise if we won this game, but we expected to come in and win this game.”
Their confidence was evident in their profits.
Hall celebrated his touchdown in the fourth quarter by doing his own version of a “Lambeau Leap” in a gathering of Jets fans.
“We had actually all talked about it before the game,” Hall said. “We were like, whichever one of us scores, we’ve got to do the ‘Lambeau Leap.’ Brax (Braxton Berrios) got the first one, but I don’t think there were any Jets fans on that side that he scored. So when I scored, I had to do it.”
Jets rookie cornerback Ahmad “Sauce” Gardner was seen after the game modeling one of the cheesehead hats typically worn by Packers fans while walking around Lambeau Field.
Gardner said afterward that some Jets fans had given it to him.
“Just being able to play against someone like Aaron Rodgers, that was a real blessing,” Gardner said. “I said I grew up playing Madden and he’s always been on Madden since I can remember. Running off the track with that cheese head, with cheese on your head, that was a crazy feeling right there. I will never forget that.”
The Jets (4-2) are off to their best six-game start since 2015, when they were also 4-2 before finishing with a 10-6 record.
They feed off of their coach’s mindset.
“Just keep hitting them body blow after body blow after body blow and keep hitting them,” Jets coach Robert Saleh said. “Just keep punching them in the mouth. O-line just keep pushing and lean on them. And we felt that if we could just keep taking them into the deep water, they would find out that they can’t swim. It was just a mindset.”
In the end, the Packers sank.
Green Bay (3-3) has lost consecutive regular-season games within the same season for the first time since coach Matt LaFleur’s arrival in 2019. The Packers fell 27-22 to the New York Giants in London last week.
The Jets, whose offensive coordinator is LaFleur’s younger brother Mike, outgained Green Bay 179-60 in a game in which Zach Wilson was just 10 of 18 for 110 yards.
Rodgers was asked after the game if he felt the Packers’ season got a little shaky as the team fell to .500.
“We’ve got to be realistic about where we’re at,” said Rodgers, who went 26 of 41 for 246 yards with a touchdown. “We’ve played a couple of weird games the last two. We’ve got to play better. But shaky? Only if people break rank. I think it’s going to be interesting to see the comments from all our guys and coaches and hopefully we stick together.
“That’s the important thing. Until I see us break ranks, I won’t say there’s any wavering going on.”
Rodgers had injured his right thumb while being sacked as he prepared to throw a Hail Mary pass on the final play against the Giants. The thumb kept Rodgers from practicing Wednesday.
He said after the game that his thumb was “a little sore,” but added that it only affected him on “maybe a couple (of throws), but not too many.”
New York broke a 3-all tie and moved ahead for good by scoring two touchdowns in less than 2 1/2 minutes in the third quarter.
Berrios gave the Jets the lead by scoring on a 20-yard end-around. After New York stopped Green Bay on its next possession, Michael Clemons blocked a punt and Will Parks got the ball and drove 20 yards into the end zone.
The Packers got back into the game when Rodgers threw a 25-yard touchdown pass to Allen Lazard later in the third.
New York quickly regained control.
Hall scored on his 34-yard burst to open the fourth quarter and make it 24-10, the longest run from scrimmage in the young career of the freshman second-round pick from Iowa State.
“It was supposed to be a reverse pass,” Hall said. “I was going to put it to Garrett (Wilson), but I felt like the D-end was too far up the field, so I couldn’t get the pitch away. I just saw daylight and just let my natural ability take over.”
The Packers entered Sunday having won 20 of the last 21 home games Rodgers had started against AFC teams, including 11 straight.
But the reigning MVP had a frustrating afternoon against the Jets’ promising young defense.
“We feel like our D-line matches up from an advantage standpoint against anybody, whether it’s cockiness or unbridled confidence, whatever it is,” Saleh said. “We love our D-line. We think they’re a rolling ball of butcher knives, and there’s a lot of them that can play at a high level.”
They begin to realize how high they can go.
“We’ll see where we can go when we do the things we need to do,” Williams said.
Packers OG Jake Hanson left with a biceps injury. … Packers WR Randall Cobb went to the locker room on a cart after injuring an ankle in the third quarter. … Gardner was evaluated for a head injury in the fourth quarter.
Jets: At Denver next Sunday.
Packers: At Washington next Sunday.
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“In GENESIS, my camera allowed nature to speak to me. And it was my privilege to listen.” ― Sebastião Salgado.
Salgado created a collection of images showing us nature, animals, and indigenous peoples in breathtaking beauty. Mastering the monochrome with an extreme deftness to rival the virtuoso Ansel Adams, Salgado brings black-and-white photography to a new dimension; the tonal variations in his works, the contrasts of light and dark, recall the works of Old Masters such as Rembrandt and Georges de La Tour.
What does one discover in GENESIS? The animal species and volcanoes of the Galápagos; penguins, sea lions, cormorants, and whales of the Antarctic and South Atlantic; Brazilian alligators and jaguars; African lions, leopards, and elephants; the isolated Zo’é tribe deep in the Amazon jungle; the Stone Age Korowai people of West Papua; nomadic Dinka cattle farmers in Sudan; Nenet nomads and their reindeer herds in the Arctic Circle; Mentawai jungle communities on islands west of Sumatra; the icebergs of the Antarctic; the volcanoes of Central Africa and the Kamchatka Peninsula; Saharan deserts; the Negro and Juruá rivers in the Amazon; the ravines of the Grand Canyon; the glaciers of Alaska... and beyond.
Having dedicated so much time, energy, and passion to the making of this work, Salgado calls GENESIS “my love letter to the planet.”
“GENESIS will further cement Salgado’s reputation as one if the most significant photographers of his age.” ― The Daily Telegraph
“GENESIS... a biblical title that suits the majesty of his subjects and offers the work as a beautifully articulated prayer for preservation and respect.” ― The Los Angeles Times
“...a tribute to the diversity of planet earth.” ― The Wall Street Journal
“A true book for the ages.” ― TIME
“GENESIS honors its biblical antecedent… there could be no more powerful reminder of all that we stand to lose.” ― The New York Times
Dimensions: 9.96 x 1.65 x 14.45 inches


Typically, control of the system is performed by a series of switches. The pilot will select the desired mode of operation with the switches available which will feed the selection to a timer box, controlling the pumps to provide the selected mode of operation. In modern system designs for FIKI aircraft a timer box provides three different types of operation for the main metering pump. These are Normal Mode, High Mode and Maximum Mode.
Normal Mode is considered the appropriate mode of operation to provide ice protection during typical icing encounters. Normal Mode is achieved by operating both pumps simultaneously for a time cycle of 30 seconds on and 90 seconds off. This timed mode of operation results in using 50% of the design flow rate. High Mode represents the design flow for the system and is achieved by running one pump continuously. Finally, Maximum Mode provides a flow rate for severe icing encounters. Upon selection of the momentary switch to Maximum Mode both pumps run for 2 minutes. During this on cycle the system is provided twice the design flow rate.
Many systems also contain a Backup Mode which bypasses the timer box. Backup runs one pump continuously and is identical to High Mode, but will use the opposite pump as High. Backup is designed to be electrically isolated from the remainder of the system to provide an independent means of pumping fluid in the event of a main system failure.


Les Terrasses du Port, a new 480-hectare shopping centre in the French city of Marseille, has installed Europe’s largest network of Bluetooth Low Energy (BLE) beacons, enabling retailers such as Zara and H&M to deliver promotional offers and information straight to shoppers’ smartphones.
The 250 Bluloc beacons have been supplied by German technology provider match2blue. The content management system used by retailers to deliver offers and the mobile app used by shoppers have also been supplied by match2blue.
The platform also provides an analytics dashboard that provides information on the number of people who frequent the various areas of the shopping centre and individual shops.
In all, 190 individual shops in Les Terrasses du Port have been fitted with the Bluloc platform.
“The basic idea of it is to help the customer shop in a different way,” Stephanie Renda, CEO of match2blue, told NFC World+.
“The general idea with installations is that we cover the whole area. We can then calculate the exact position of the user on what we call the iBeacon grid. The user can locate themselves everywhere they go and we can point them in the direction of certain products based on their exact position and the effectiveness of the different beacons which the user’s phone is receiving at that specific position.
“So we can not only trigger what is the typical use case with beacons but we can also track the users on the iBeacon grid and determine their exact position and journey.”
“There is an opt-in for the user so the user needs to say ‘yes, I want to receive push notifications by this mobile application’ and ‘yes, I allow this mobile application to know my location’,” Renda continued. “On top of that, the platform offers administrators, or the company that owns the platform in the particular location, to define rules.
“For example, they can say they only want shoppers to receive a maximum number of notifications per visit or only so many per hour or only the most important ones in terms of targeting rules, so there is a mechanism to prevent the user being bombarded. They receive the offer once and once they have received it, they won’t get it again.”
“We have it live in this particular shopping centre at the moment,” Renda added. “We’re currently installing it in a major train station and we have installed it in another shopping centre in Germany; in the next couple of months, we will have done more than 100 installations of this kind. Marseille was really the biggest of its kind for us so far but there are even bigger ones to follow.”


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Pakistani Muslims pledge to stand against terror attacks
This is the Imamia mosque in Peshawar that was targeted by pro-Taliban militants during Friday prayers on February13. But the attack failed to stop Shias from offering their Friday prayers, as they once again flooded in big numbers into the same mosque to pray.
Shias, including men and women, offered their prayers and held special ceremonies to remember their loved ones killed in the attack. The Friday prayers were followed by a big protest staged outside the Imamia mosque to show their united strength against the terrorists.
The protestors chanted anti-government slogans, slamming authorities for proving their incompetency in ensuring protection to the innocent locals of the country.
Shia leaders declared the ongoing-targeted attacks on Shia mosques as an attempt to inflame sectarian violence.
Shias have pledged to continue coming to mosques in big numbers and show their resistance against the terror plots.
Shia Muslims held Friday prayers in Imamia mosque in Peshawar to show their unity and strength and to prove that they will not bow down against cowardly attacks by the terrorists.


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Caregivers & Non Licensed Home Care Nurses
UAE Dubai-Sharjah-Ajman (DSA)
Region Dubai (Dubai)
Hiring Caregivers And Non-Licensed Home Care Nurses in Dubai!
We are hiring Non-Licensed nurses to be a part of our medical team. Candidates must have medical background or atleast 2 years of experience as a Nurse/Caregiver.
Preferred Nationality: Philippines & India.
Candidate’s Location: UAE (Must)
Priority for the candidates who are willing to join Immediately.
Interested candidates should send their CVs

domain: medical


Go to : Searspartsdirect.com and enter the complete model number (minus the decimal point). This will take you to a series of parts drawings and associated parts lists. Common parts like common nuts, bolts, and washers are ridiculously priced, but other parts seem closer to reason. Hope this helps!
How to Identify and Fix Common Gardening Problems ?
We provide a variety of viewpoints on how to identify and fix common gardening problems. Our sources include academic articles, blog posts, and personal essays from experienced gardeners :
When trimming hedges, the pruning tools should be clean and sharp. This causes the least amount of damage to the plants and reduces the risk of disease. The strings of grass trimmers are not sharp. If used on hedges, the cut will be jagged because the strings do not cut as cleanly on thicker stems.
Hedge trimmer blades can be sharpened by hand, and it is recommended that you do so regularly: the job needs a flat file, a whetstone and a little careful attention.
We`re very pleased with the runtime we`re seeing from the Craftsman V60 battery Weedwacker. Testing at high speed with a light load, we ran for just over 30 continuous minutes. That`s plenty of trigger time to cover most lawns. Low nets you even more runtime.
The model number is printed on the left side of the Product Identification Label, attached to the metal bracket that supports the seat, and begins with the letters, “CM”.
Yes, Craftsman and DeWalt are Owned by Stanley Black & Decker. Stanley Black & Decker (SBD) turned heads when it bought Craftsman Tools in 2017 after Sears closed 235 stores in 2015. The company owns many brands, however.
Tips on cutting long grass
The objective is to use the line trimmer to cut the grass to a length that can be dealt with by a lawn mower. For very tough or very long grass, you might need to use a brush cutter. Some of our cordless garden tools incorporate a brush cutter head and a line trimmer.
What is the difference between a hedge trimmer and a hedge cutter? Usually, hedge trimmers are used for `light work` on branches and bushes. Tidying up and shaping shrubs is another of their functions. However, heavy-duty work is more suited to hedge cutters, for example, breaking down big branches and thicker bushes.
It`s not necessary to lubricate the blades of a hedge trimmer to prevent rusting because they are pre-hardened rust resistant steel. However, you can use a lubricant to clean the blades, we recommend a light spray on lubricant such as WD-40 to give a thin coating.
Battery and power
A 20V battery is sufficient to do the average trimming job on a small- to medium-sized yard, or around 20 to 30 minutes of trimming on the highest setting.
A: Yes, battery can be left in the charger indefinitely.
A compact 2ah battery should last about 6-8 hours, so you get about 3-4 hours per ah.
FORT MILL, SOUTH CAROLINA
WITH GLOBAL MATERIALS
Proudly Manufacturing Select CRAFTSMAN® V20* Drills/Drivers, Impact Drivers and Hammerdrills using global materials.
Craftsman T210 Riding Lawn Mower CMXGRAM1130043.
Generally, you can identify a Craftsman tool by the logo or the name that`s printed/embossed into the tools themselves. Craftsman as a brand hasn`t changed its name since Sears & Roebuck introduced it in 1927, so each tool should bear either the name or logo (usually somewhere on the handle).
All Craftsman sockets and wrenches are proudly made in the USA.
Shop Lowes.com for our complete collection of CRAFTSMAN® power tools today.
16-inch or smaller blades are ideal for small and average-sized hedges. 18-inch blades are ideal for average and larger-sized hedges. 20-inch and larger blades are the best hedge trimmers for thick branches and ideal for large, established hedges.
Properly pruning a tree limb
Keep your cuts at a 45-degree angle to prevent water damage and disease.
For this reason, some people prefer to mow at 3 or 3.5 inches. For the healthiest and most sustainable approach, Michigan State University Extension says 3.5 to 4 inches is most desirable. Lawns mowed at 3.5 or 4 inches out-compete weeds, tolerate grubs and look just as good as lawns mowed at 2.5 inches.
The grasses will set seed, wildflowers can bloom and provide nectar, and the longer stems will create a sheltered microclimate. Avoid using strimmers too, as they can injure hedgehogs, frogs and insect larvae. If you can resist mowing your lawn until late summer, this will mimic the hay meadows of old.
Hedge trimmers feature a cutting bar, with lengths ranging from about 18 to 26 inches. Those with a longer cutting bar can tackle larger shrubs and clear more with each pass. But they`re also harder to use; a bar that`s too long can feel unwieldy.
There are three major types of hedge trimmers: double-sided, single-sided and pole hedge trimmers.
Generally speaking, a trimmer cuts closer than a clipper.


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Over the past decade, a new white nationalist movement has gained strength in America, bringing with it the potential to disrupt already fragile race relations. Eschewing violence, this movement seeks to expand its influence mainly through argument and persuasion targeted at white Americans aggrieved over racial double standards, race-based affirmative action policies, high black-on-white crime rates, and liberal immigration policies. The movement has also been energized by mirity advocacy of multiculturalism. Due to its emphasis on group self-determination, multiculturalism has provided white nationalists with justification for advocating a parallel form of white solidarity. In addition, techlogical advances such as the Internet have made it easier than ever before for white nationalists to reach a more mainstream audience. This study is intended as a wake-up call to all Americans who cherish the Civil Rights Era vision of an integrated America, a common humanity, and equality before God and the law.
Carol M. Swain is Professor of Political Science and Professor of Law at Vanderbilt University. She is the author of Black Faces, Black Interests: The Representation of African Americans in Congress (Harvard University Press, 1993, 1995), which was selected by Library Choice Journal as one of the seven outstanding academic books of 1994. Black Faces was also the winner of the 1994 Woodrow Wilson prize.


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How to Get a Home Equity Loan
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been previewed, commissioned or otherwise endorsed by any of our network partners.
One of the top benefits of homeownership is the ability to build equity. Your monthly payments help turn your humble abode into a nest egg — something that’s simply not possible with rent payments.
This equity can later be used to help achieve your financial goals, from remodeling your home to consolidating your high-interest-rate debt.
But you can’t just pull from your available equity on demand. You’ll need to go through an application and qualification process to prove you’re a creditworthy borrower. Keep reading for guidance on how to get a home equity loan.
What is a home equity loan?
A home equity loan is a financial product that allows you to borrow against the difference between your home’s market value and your outstanding mortgage balance — known as equity. For example, if your home is worth $250,000 and you owe $150,000 on your home loan, then you have $100,000 in equity. You may also hear home equity loans referred to as a “second mortgage.”
Similar to a first mortgage, a home equity loan is an installment loan secured by your home. You’ll receive the money in a lump sum and have a fixed interest rate and monthly payment. If you fail to repay the loan, you can lose your home to foreclosure.
Another way homeowners can tap into their equity is through a HELOC, or home equity line of credit. A HELOC is a revolving credit line, similar to a credit card, with a variable interest rate. You only pay for what you use, plus interest.
How to qualify for a home equity loan
If you’re thinking of getting a home equity loan, you’ll first need to make sure you’ve built up equity in your home. You calculate your equity amount by taking your remaining mortgage balance and dividing it by your home’s market value. That’s your equity.
Once you’ve determined how much equity you have, keep in mind that lenders won’t allow you to borrow the full amount. Your combined loan-to-value ratio — your remaining mortgage balance, plus your hypothetical home equity loan amount, divided by your home’s value — typically can’t exceed 85% or 90%. So if you have a home worth $250,000, and a mortgage of $150,000 — you typically can borrow about $62,500.
As part of your application, lenders will review your income by requiring you to submit pay stubs, tax returns and/or W-2s. They will also pull all three of your credit reports and scores and review your existing debt load to determine your debt-to-income ratio.
Aim for at least a 700 credit score, though it may be possible to qualify with a 660 score. You should also try to keep your debt-to-income ratio below 43%, though you may still be able to obtain a loan with a ratio as high as 50%, in some cases.
Applying for a home equity loan
To get the best deal, be sure you shop around with multiple home equity lenders — mortgage companies, banks, credit unions, etc. There are costs involved with borrowing a home equity loan, including a potential appraisal fee if your home requires an updated value assessment. You may also incur a fee if you pay off the loan earlier than expected.
The best way to ensure you cut down on borrowing costs and fees is to compare the Loan Estimates you’ll receive from each lender after you apply for a home equity loan and negotiate where possible.
If you’re approved to borrow against your equity and you sign on the dotted line, federal law allows you to cancel the home equity loan — with notice in writing — within three business days without any penalties. Your lender isn’t allowed to disperse the funds to you during the three-day waiting period, according to the Federal Trade Commission.
What if you’re underwater?
As previously mentioned, a main component of qualifying for a home equity loan is verifying that your outstanding loan balance is lower than your home’s current market value. If the reverse is true for you — in other words, you have negative equity — you wouldn’t be eligible for a home equity loan or even a HELOC.
Having negative equity, or being “underwater” on your home, means you owe more on your home than what it’s worth. Nearly 9% of mortgaged properties have loans that are at least 25% higher than their estimated market value, according to a report from real estate analytics firm ATTOM Data Solutions.
One method to start building positive equity is to aggressively pay down your mortgage. Consider one or more of these eight ways to pay off your mortgage faster.
Another option is to recast your mortgage. In a mortgage recasting, you pay a lump sum of money toward your outstanding loan balance. Your lender then reamortizes your loan based on your new principal balance — your loan term and interest rate won’t change, however.

domain: finance


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Villa La Estancia Riviera Nayarit is proud to offer complete Riviera Nayarit vacation packages, that include your flight and hotel, and a whole lot of fun! When you are looking for flights to Riviera Nayarit and the best hotel for your money, there is nothing better than these flight and hotel deals. Our flight and hotel packages give you the opportunity to book your no hassle vacation at our family resort so that you can experience what a truly sublime vacation ought to be at discounted rates. These vacation packages don’t last long, so book your flight and hotel to Riviera Nayarit now!
Learn about our official channels:
For your security, we invite you to make your reservations though our official channels where you can find our best rates and promotions:


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Upcoming events and information:
- Dec 20: Pancake Breakfast fundraiser from 9am to 11am at the Mavericks Bar and Grill, 601 E. Main St.
Ticket sales and unsold tickets are due to the coaches by Wednesday, Dec 17.
- Jan 3: Annual Varsity vs Alumni scrimmage at 1:30. JV1 vs JV2 scrimmage at 12pm.
- Jan 8-10: Richland Rebels Winterblast Tournament. Varsity and JV1 games, see schedule.
- Jan 15-17: Martin Invitational Tournament
Volunteers: All volunteers must apply online at www.asid.net. Thanks for your support.
The Men's Soccer Booster Club will meet on Monday during soccer season at 7:00 PM in building T1 (near the upper gym doors). The Jan meeting tbd based on holiday and schedules.
PARENTS NEEDED to fill positions in the 2014-2015 Booster Club. Please click/view this LINK.
Martin Soccer has a Twitter page, martinsoccer_1. This is a great tool to tweet soccer game and tournament information, school information and updates. Sign up for Twitter and follow martinsoccer_1. You can search for "martinwarriorso" on Twitter. Click the blue Twitter Bird in the link on the left.
Check the 2013 Photo Gallery For Action Shots

domain: sports


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We’re Thankful for Stories this November!
Preschool Storytime at the Ottumwa Public Library
Fridays at 10:30AM
Hats and Mittens! Join us for stories about hats and mittens that will keep us warm!
NO Storytime. The library will be closed for Veterans Day.
Thanksgiving! Let’s gobble up some good Thanksgiving stories!
NO Storytime due to the Thanksgiving holiday, but we’ll be back the following week!
If you want more stories, join us every Wednesday at 10:30AM for Sara’s Songs and Stories!

domain: literature