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It comes down to QB play, clearly Ketteringham is not the guy for the job. Bubba and staff inability to recruit and develop a QB is embarrassing.
How do you stop your route a yard short of the 1st down?
COMMITTED Sioux Recruits
Ndamukong_sioux replied to AZSIOUX's topic in Men's HockeyBraden, who is Jays oldest son.
Students Spearhead Effort for Fighting Hawks Mascot
Ndamukong_sioux replied to ChrisUND1's topic in UND NicknameI don't understand why most of you are against a mascot? Every MAJOR school out there has one, heck the school to the south has a mascot that is pretty recognizable. When the Bleacher Creature came out did people expect it to be a Cartoon Sioux Indian with a head dress instead?Cause that what have went over well. There is a lot more positives than negatives if we in fact incorporate a "Hawk" mascot. The kids will love it! And once we start playing our natural rivals having a mascot pump up the crowd will go a long ways, cause clearly the cheerleaders or dance team can't. Hell over the past few years the students athletes from other sports cheering on other teams have been the only energy from the stands.
2017 Season
Ndamukong_sioux replied to F'n Hawks's topic in FootballTechnically Harris committed during the 2013 season when Mussman was the coach still.
Absolutely love watching JJ aka The Fargo Freight Train run the ball. I know we have a two have lighting and thunder but we need to mix in JJ earlier in the gameplan.
3rd down we call a toss play then on 4th we take a deep shot downfield, interesting...
Ndamukong_sioux replied to gfhockey's topic in FootballI don't know if anyone has brought this up yet but do any of you think that SIU goes after Bubba? He has ties to the school and is doing a great job here.
FCS Playoff Selection Show Thread
Ndamukong_sioux replied to cowboys5xsbs's topic in FootballAre you people really arguing over FBS wins with NDSU fans?
2016 Season
Ndamukong_sioux replied to shep's topic in FootballEveryone needs to relax. No one's scholarship is going to get cut/reduced until after spring ball, which is months away. The off season just started for gods sake.
To the No-Voters
Ndamukong_sioux replied to ClassB's topic in UND NicknameThis guy gets it.
And then there were 2....
Ndamukong_sioux replied to SWSiouxMN's topic in UND NicknameAny nickname we choose will be unique to this University, whether it's Fighting Hawks or Roughriders.
MSU Game Day Thread
Ndamukong_sioux replied to Sioux94's topic in FootballI'm so proud of the boys today. We needed this win. We finally got over a big hump with beating Montana State. I'm looking forward to watching us play these guys here on out. I feel a big rivalry starting!! Go Sioux!
On To The Griz
Ndamukong_sioux replied to geaux_sioux's topic in FootballYeah, Bubba recruits so far have been dominating! All these transfers he has brought have been game changers. GTFOH.
Digger vs Ratelle vs Tibesar vs LeClair
Ndamukong_sioux replied to geaux_sioux's topic in FootballWhat about Dan Hendrickson? He was an absolute animal at linebacker and like Ratelle contributed on special teams a lot. I guarantee you guys there is a few former kick returners we played that still have nightmares of being destroyed by him.


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Welcome to Glendora Community Services Department Online Registration
This website will provide you with access to program registration 24 hours a day, seven days a week, all from the comfort of your favorite PC! This user-friendly system will absolutely revolutionize the way you register for programs from now on. So, take a look and enjoy! Processing fees are non-refundable Sign In Or Create an Account
Click here to register for a class or activity! For any questions regarding registrations, please contact the Community Services Department at (626) 914-8228.
Click here to reserve a picnic area in our parks! For any questions regarding reservations, please contact the Community Services Department at (626) 914-8228.

subset: commoncrawl


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In the video linked below, TB Joshua describes what happens when a wife has a "spiritual husband" (an unbiblical concept in and of itself)
"Because of what is happening, spiritually, it will reflect in this man. This man will find himself fornicating. And he will not know how it come about. And if it is a man who is doing this thing in the spirit, the woman will go out! Something will just happen like that."
Yep. Fornicators and adulterers around the world now have the perfect excuse. "My wife was having hot sex with a demon and suddenly I found myself in the arms of another woman. I have no idea how that could possibly have happened!" "It's true I slept with a man besides my husband, but that is my husband's fault. His spiritual wife made it happen. I am not responsible. In fact, I have no clue even how I ended up in another bed!"
But does he quit there? Oh no. The intrepid "man of God" continues explaining his own gospel.
"When one is not delivered, the other, too, his Christian life is in danger. Let me tell you. I'm a Christian. I'm a pastor, OK? If my wife is not upright, our kids will look like gonorrhea."
Say WHAT?
Dear people, if you are married and as a couple you do not follow TB Joshua and get his deliverance, your children are a venereal disease. Yep.
Shall we continue?
"If one have gonorrhea, and sleep with another one, he will have gonorrhea. [unintelligible] uprightness."
At this point the applause seems somewhat hesitant. Could it be that the audience is dimly remembering their Scripture and struggling to understand why he is speaking something contrary to it?
"If two of them have gonorrhea, and one of them come to God for prayer, and the other one is not…if the one that is here meet the other one at home, he will take the gonorrhea back. And he will now begin to complain that the miracle is not happening. No! The source needs to be dealt with."
One brave person claps their hands, once.
"So, this is just, we have to be very careful, when issues like this happen, you need to ask yourself question. What has happened to you? So. God bless this word."
We have heard TB Joshua's gospel, as it relates to marriage and family. Shall we now refer to the Scripture inspired by the Holy Spirit?
What TB Joshua just preached is the exact opposite of what Scripture states about the situation where there is a believing spouse and an unbelieving spouse.
"12 To the rest I say this (I, not the Lord): If any brother has a wife who is not a believer and she is willing to live with him, he must not divorce her. 13 And if a woman has a husband who is not a believer and he is willing to live with her, she must not divorce him. 14 For the unbelieving husband has been sanctified through his wife, and the unbelieving wife has been sanctified through her believing husband. Otherwise your children would be unclean, but as it is, they are holy." 1 Corinthians 7:12-14
1 Peter 3:3 specifically advises wives on what to do about an unbelieving husband. Notably, it does not say "Drag him to get delivered because if you don't his disease of unbelief will cause you to fornicate!" Again Scripture places the power on the side of the believer.
For a great example of the power of the work of God not just in our own lives but in the lives of our loved ones, we have only to look to Paul's "son in the Lord," young Timothy. In marriages, and in a whole culture, surrounded by unbelievers, Lois, and then Eunice, understood the power of the work of God in their lives and it affected Timothy. Timothy most certainly did not catch the "gonorrhea" of unbelieving family members. He "caught" the holiness of God, through the faithful life and work of his mother and grandmother. I'd bet dollars to donuts that neither of those women "accidentally" fornicated because their unbelieving husbands' demons made them do so.
Contrary to what TB Joshua just preached, it is NOT the unbelieving spouse who has the spiritual upper hand here. However one may interpret this passage, it is clear that the believer is the one who sets the spiritual tone of the household, not the unbeliever. Teaching that an unbelieving spouse is like gonorrhea and passes that diseased state onto the believing spouse is in direct opposition to the Word of God. Likewise, the unbelieving parent does not make the children "gonorrhea." Rather, the believing parent covers them, as it were, with the holiness of God. The transfer goes exactly opposite the way TB Joshua just described.
The believing spouse represents Christ to their unbelieving spouse and to their children. And apparently, according to the Scripture above, in some mysterious way the believing spouse brings the holiness of God into and over their whole household, regardless of the spiritual status of their spouse and children.
What TB Joshua has done is turn this on its head, in order to support his unbiblical theories. You will notice that nowhere in that "word" does he reference the Word of God. That is because he cannot. There is no Biblical support for such a teaching.
And can you imagine what it does to a marriage and family life? A husband whose wife may even be a believer, but opposes TBJ on doctrinal grounds, cannot help but look at her and see a demon, if he believes TB Joshua. And if he believes TB Joshua about that, then he looks at his children and sees venereal disease. He must then frantically try to get his whole family "delivered" according to the formula of TB Joshua, so that he can stop the spread of gonorrhea and avoid being "reinfected". At the same time, he will appreciate the handy excuse for his own sin, because it can all be blamed on the demon his wife is sleeping with in the spiritual realm. Surely even the most simple minded of people can see what a disaster this is to marriage.
On the other hand, someone who reads the actual Word of God has no need to worry about "contamination" of any kind. This person has the wonderful knowledge that their relationship with God positively affects the lives of their spouse and children, even if those family members are unbelievers. The person who trusts in the Word of God does not see disease and demons when they look at their family members, but people beloved by Christ, to whom they represent Christ in their words and actions. They also have the responsibility for their own sins, knowing they cannot blame anyone else. Owning full responsibility for your own sin and failure is essential in maintaining loving, healthy relationships with others.
TB Joshua is messing with you, dear ones. He is preaching a different gospel, and a false gospel. Pick up your Bibles. Search the Scriptures. Be Bereans.


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I've been hard on my little one with her writing. I got really frustrated that she can copy a short note (the one she made for her dad for Valentines)
but can't write number "2" properly.
There were a lot of bargaining, negotiations, whining, tears, whining, tears, whining and tears just trying to finish the task on the photo.
|writing number "2"
So we spent the past few weeks forgetting writing "2" and spent them just doing tasks the little one likes. Like painting,
drawing on smartphone app,
|her Rainbow Cow
and other activities (clay, puzzles, etc.) trying to develop more her fine motor skills that, hopefully, will translate to writing better, specially number "2".


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Customer information, usage occasions, warranty identification information.
Gather feedback from your customers regarding the company, product, customer service, intention to return, and more. Use this free product evaluation survey template and customize it to suit your needs.
Good example of a products and uses survey.
Consumer [PRODUCT] registration, demographics and purchase reason.


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by Liz
There was a swirling mass of air coming from the sky over Minneapolis. The funnel got very dark and then touched down. My home was on the corner. It caught it from the west side of the home. The damage was extensive. It took off the southern pillars around and pitched them into the neighbor's garage. The chandelier was found two blocks away.
The next area of damage was that the roof was also removed. Then the rains came to soak the inside of the house. The oak floors had to be pulled out, otherwise they would smell from the water damage. The entire inside had to be rebuilt and the outside too.
I had a two year old daughter when this happened in my life. The house was one year old.
When the house was repaired, another tragedy happened. A premonition happened to my first husband, the father of my two year old. He wanted me to go along because it was going to be a very bad car accident. I told him it would not solve anything, because the Lord had called him. So before he left for work on the day of the accident, he sat me down and wished me luck in taking care of our daughter, and with my life, and said good-bye. He went to work, but never came home alive.
The accident was one of the worst I have ever seen. A drunk driver hit the back part of the car causing it to go into a spin. The closest thing was a light pole. The accident happened on highway 494. The car had to be torched apart to get him out. The freeway was shut down for a long spell. He died of 23 things. The drunk driver got away and left the state for Dakota.
I had my mangled car put on display for people to see and realize what drinking and driving does. A 23 year old man died at the hands of a drunk.
His father never talked to me since his son died, because it was in my car. His car was heavier and he claimed it would not have wrapped around the pole.
I feel sorry for people who blame someone else for their sorrow. The Lord made the choice, not me.
May, 2010


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Danny Ballard signs first professional contract with Arsenal
PUBLISHED: 20:14 11 June 2018
Arsenal's highly-rated young defender Danny Ballard has signed his first professional contract with the club.
The talented 18-year-old has twice fought his way back into Hale End academy, signing as a scholar in August 2016.
After being released as a schoolboy in 2016, the Northern Ireland youth international broke his ankle while on trial with Southampton and joined League Two side Stevenage to regain his fitness.
Ballard was poised to sign scholarship forms with the Lamex outfit but was offered a chance to rejoin the Gunners – and has thrived ever since.
Northern Ireland youth international Ballard featured for the club's U18s and U23s last term and was captain of the squad that reached the FA Youth Cup final against Chelsea in May.
However his no-nonsense performances at the heart of the young guns' backline throughout the season – including scoring at the Emirates in the 5-0 victory over Blackpool in the second leg of the semi-final – saw him rewarded with his first pro deal.
An Arsenal spokesman said: "We would like to congratulate Daniel on his new contract and wish him well as he continues his development at the club."
If you value what this story gives you, please consider supporting the Hackney Gazette. Click the link in the orange box above for details.


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A mentally ill man bludgeoned his mother and stepfather to death with hammers because he believed they would stand in the way of him joining the army's special forces, a Hobart court has heard.
Nicolau Francisco Soares planned the killings because he feared he would be sent to a mental health facility, he told forensic psychiatrist Dr Michael Jordan in interviews.
Soares, 29, has pleaded not guilty to the murders of his mother, Dr Delys Weston, and stepfather, Professor Gavin Mooney, on the grounds of insanity.
Dr Jordan has told the Tasmanian Supreme Court his client feared being committed would prevent him joining the army.
He had been psychotic for several months and the killings were driven "solely by his delusions", Dr Jordan said.
Soares's fears were stoked when he overheard Dr Weston and Professor Mooney talking on the phone to a pharmacist, requesting medication.
"He came to the conclusion that the only way he could avoid being admitted to the psychiatric clinic was by actually killing his mother and his stepfather," Dr Jordan said.
The court heard Soares had been involuntarily committed to mental health facilities in Western Australia three times.
He had developed a paranoid fear of the institutions and of his medication, which he had stopped taking.
He had also tried, unsuccessfully, to join the army twice.
Soares believed he was destined to join the special forces, mostly to learn skills to cope with a coming apocalypse.
"His overriding ambition and drive was to join the army and he was prepared to kill ... to join the army," Dr Jordan said.
Soares told Dr Jordan he had planned the attack on the two academics who were killed at their property in southern Tasmania in December 2012.
He hit them alternately with a hammer until its handle broke and then fetched a block-splitter from a garden shed to continue the attack.
"He (was) determined that he'd reached his goal, that he'd killed them," Dr Jordan said.
Soares rang triple-zero himself and believed he would be sent for military training when police arrived, the court heard.
His symptoms were consistent with schizophrenia and his condition had improved but was ongoing, Dr Jordan said.
Professor Mooney and Dr Weston were internationally renowned academics who had moved to Mountain River, 30km south of Hobart, from Western Australia a year before their deaths.
Soares had been staying with them for two weeks.


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The meeting will be held online only through the Zoom meeting platform. Zoom is an easy to use, free online meeting application which can be used without a software installation using the Chrome web browser, or installed as an application on Mac OS and Windows, or an app installed on your Android or Apple IOS device.
Use this link to join the meeting at least 10 minutes in advance:
The moderator will let you into the meeting just before it begins. Please be sure that your name is entered correctly upon entering so we may identify you to the other attendees.
Using the following details to join the meeting manually:
Website: http://join.zoom.us
Meeting ID: 953 1687 4334
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Attendance is FREE!
For help on how to join a Zoom meeting, and install the free client if needed, click here:
Mark your calendar for September 10, 2020 to join your fellow public safety communications professionals at the N CA APCO Vendor Showcase. The day will be filled with opportunities to network with your peers, visit vendors and learn about products, and lunch will be provided!
When: September 10, 2020, 8:30am – 3:00pm
Where: The Falls Event Center, Elk Grove, CA
Cost: Free with pre-registration. $30 at the door.
Come see vendor presentations!
Don't Miss the Annual Northern California APCO Awards Luncheon!
Please join us in honoring our own local Heroes of Northern California on Wednesday, October 9th at the beautiful Lighthouse at Glen Cove Marina in Vallejo, California.
An abbreviated Chapter Meeting is scheduled starting at 10 AM. The Awards Luncheon will begin at 11:30 AM and conclude by 1:00 PM.


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Here I am: a full month of self-portraits behind me. At some point I feel overwhelmed knowing that it's ONLY a month and there is 11 more to go. The last two weeks were really hard with almost no inspirations or energy to think about creative shots. Oh well I did it anyway and I'm proud... Continue Reading →
37.338369 -121.885795


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The Austrian firm is defending Montenegro at ICSID
|People in Who's Who Legal:
|Value of pending counsel work:
|US$1.2 billion
|Treaty cases:
Founded more than 50 years ago, Schönherr is part of the Austrian establishment. As such, it has long been counsel to numerous big-name companies from the CIS region. In 2000, the firm decided to expand its service to include a focused international arbitration practice.
Hellwig Torggler and Gerold Zeiler co-promoted the idea, and led the training programme that it required (the firm opted to grow its own rather than make lateral hires). Torggler has since moved on to become a full-time arbitrator, while Zeiler left the firm in 2014 to found his own boutique.
Since Zeiler's move, the arbitration practice is headed by Christoph Lindinger, also the firm's managing partner.
The Austrian firm began expanding eastwards in 1996 and is now open in 12 cities across the CIS, the Balkans, Poland and Ukraine, with country desks in Albania, Bosnia and Herzegovina, Macedonia and Montenegro. It has had a cooperation agreement with a firm in Istanbul since 2009, where the local disputes head is Murat Canyürek.
Who uses it?
The arbitration group's focus is on energy or investment work – much of it related to central and eastern Europe. At present, it is acting for German energy group RWE in various oil and gas arbitrations, as well as Romania's OMV Petrom. Siemens and Spanish carmaker SEAT have also relied on the firm.
It has also represented the governments of the Czech Republic, Montenegro and Republika Srpska in disputes arising from investments in the energy field, real estate development and other matters. Montenegro is using it to defend an ICSID claim worth €72 million brought by a Dutch investor in a bankrupt steel company.
The government of Moldova recently chose the firm to defend it in a treaty dispute with a Russian banking investor at the SCC, though the case settled soon after.
Track record
The firm scored a big win for the government of Republika Srpska in a case against Czech energy conglomerate CEZ. After an extensive jurisdictional phase, the tribunal dismissed CEZ's claim against the government for lack of jurisdiction.
Recent events
The firm has been acting for Montenegro to defend a claim by a subsidiary of Russian billionaire Oleg Deripaska's En+ Group, after it alleged that the state unlawfully interfered an insolvency process.
In February 2015, Schönherr successfully defended Switzerland's Valora International in a post-M&A dispute seated in Frankfurt, with the tribunal rejecting the claims in their entirety.
The firm also secured a favourable settlement for Austria-based oil and gas company OMV in another post-M&A arbitration under ICC Rules.
In August 2015, Anne-Karin Grill was promoted to partner, having joined the firm as counsel a year earlier.


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BFO53 -Gazing and Big Brother Combo
Standard Podcast [ 20:04 ] Play Now | Play in Popup | Download
BF welcomes Chef Mark to The Gaze stage for Tax Day 2008.
5 Comments
Michael in Stuttgart wrote on April 15th, 2008 at 5:30 am:
Merci beaucoup pour cette crème brûlée des sauterelles 🙂
Just kidding – fabulous show with an amazingly impressive guest again. ChM has had such an interesting and exciting life! Wow – I am jealous.
Thanks for a lovely Gaze again, BigFatty!
Eric wrote on April 15th, 2008 at 10:55 am:
Who is this Chef Mark? I've never heard of him even though he lives a block and a half away!
Happy tax day, BF! This is a special day, when the Federal Government Criscos their entire forearm and gives it to us all!
Arthur (AmeriNZ) wrote on April 15th, 2008 at 5:42 pm:
Always love The Gaze, BF, and this was no exception. I felt like I learned some new things about Chef Mark, who's such an interesting person. Thanks!
Chef Mark wrote on April 16th, 2008 at 1:59 pm:
Y'all are sweet!
lauren wrote on April 16th, 2008 at 8:38 pm:
I love the gaze, even if I don't watch BB!


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Eric Bischoff recently talked about how he would have used The Undertaker in WCW. The discussion came on an episode of Bischoff's 83 Weeks Podcast, where Eric speculated on how he would have booked The Deadman.
"Hypothetically, the whole NWO/WCW storyline as I had it in my head, would have played out the way I wanted it. nWo would have officially taken over Monday Nitro, top to bottom, would have been an nWo show. WCW would have been over on Thunder, had we had it play out the way I hoped for. Because WCW and Mark Callous (Undertaker) previously had a relationship, I would have probably tried to play off that. I would have probably tried to bring Undertaker/Mark Callous in on the WCW side of the equation to be kind of a counter for Kevin Nash."
Of course fantasy booking 20 years after the fact is perhaps much easier than actually booking The Phenom during his prime. The Undertaker would obviously not have been The Undertaker because Vince McMahon and WWE owned that gimmick. But Bischoff also believes that using The Undertaker in WCW would indeed have been a very difficult prospect for other reasons as well.
"I was never a big fan of really big guys. We had Kevin (Nash), we had Paul (Big Show) and it's really hard creatively booking guys that are that big because it's hard in a believable way to get sympathy on them. It's hard for them in a believable way to sell, unless you take a chainsaw to them or a bazooka. It's hard for them to be a good heel because it doesn't make any sense for a guy that big to be a chickens**t. It's not believable. I just don't know. I wouldn't have been excited about hiring him, not because he's not a super talented guy. But if you would have looked at our roster back then, where would he have fit?"
The Undertaker was known as the backbone of WWE during The Monday Night War, much like Sting had been for WCW. Though a dream match has been talked about for years, it never happened for them in their most successful gimmicks. But Taker, in his WCW incarnation as "Mean" Mark Callous, did work Sting long before both men became icons in the pro wrestling industry.


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"Tell me why you want to help me," you demand.
Ayesha scowls. "I'm offering to help you. No string attached."
"No," you disagree. "You have to be getting something out of this. " You ignore Sasha's aghast expression and continue. "You don't get to help me until you tell me why."
"My, they do grow up fast," Ayesha mutters. "Sasha, if you'd excuse us?"
"I'm not going anywhere." Your sister leans back in her chair and crosses her arms.
Ayasha frowns and glances at you. You fidget with your napkin. "It's okay, Sasha. We won't be long."
Sasha grumbles, but relocates over to the other end of the café. Your sister throws herself into a chair and puts her feet on the table. She crosses her arms and stares daggers at the gold-clad woman.
"What do you remember of Rikali's life? Her family?"
"I remember enough." You met Ika, Rikali's drug-dealing daughter. Did this have something to do with her?
Ayesha twists her mug on the table. "Rikali and I didn't part on good terms the last time I saw her. I've always regretted my last words to my sister were filled with anger."
"Your sister?" None of Rikali's memories included Ayesha.
"You don't remember?" She taps her fingers on the table. "Lytek prunes our past incarnation's memories. He must have thought he was doing me a favor by removing her memories of me." Ayesha picks up her mug and takes a sip. "Rikali and I were the first Sidereals to exalt after the Usurpation. Chaos ruled Creation for those first few centuries, thus the Elders decided to raise young Sidereals in Yu-Shan. We were among Akachi's first experiments with raising Sidereals together…."
Ayesha's words fade as a vague memory floats to the surface. Exalts did not age until the end of their lives, but you remember younger and more carefree Ayesha. She smirks at you, "Just because you are a Chosen of Secrets doesn't mean you get to learn all of my secrets, sister of mine."
You shake your head of the memory and focus on the Ayesha of the present. She gives you a knowing look and says, "I'm not expecting you to treat me like family, Svante. We barely know each other and you got family of your own. " Ayesha glances up at the bored Sasha, waiting for you on the other end of the café. "It's just… you are the closest thing I have to making amends with my big sister. Please," Ayesha begs, "Let me help you."
In contrast to Elder Kejak's library silent office, Akachi's boisterous staff yelled insults, jokes, and groan inducing puns down the hallways at each other. You sit in the break room and wait for Akachi to come back from his "last" meeting of the day. At this late hour, neat stacks of dishes fill the shelves and the counters have been swept clean of crumbs and spills. Itziar, the short round elderly goddess in charge of the mail, shoves red mission envelops into the wall of cubbies. Deep wrinkles etch her face and wild wispy white hair refuses to lay flat. Her long earlobes dangle down her chest as she grabs a stepstool to reach the cubbies out of her reach.
You wonder whom the Elders will assign to keep you away from the meeting. While Ayesha can help you past the wards, it was up to you to lose your tail. As far as you can tell no one trailed you and Sasha back to the Bureau of Destiny.
"Svante!" Akachi's secretary, Shapau, walks into the office, interrupting your thoughts. The tall bone thin god's peacock feathered headdress was missing, revealing his shiny baldhead. Shapau only wore his headdress when he was out running errands. Despite the immaculate appearance of his turquoise robes, the secretary seemed tired. "What is this I hear about you putting a goat in Elder Kejak's office?"
"I didn't do it!" you deny. "No one can prove anything!"
A grin creeps across Shapau's face. "Oh, you naughty boy!" the god tisks. "You better not bring any dirty animals in here!"
You put your feet on the break room table. "You better stay on my good side, Shapau."
"Ah…" Itziar chuckles. "The kitten has grown some claws. I'd be careful, Shapau."
"Elder Akachi doesn't pay you for your smart comments," Shapau snaps. Itzair rolls her eyes and sorts more red envelops into cubbies.
"When do I get a cubby?" you ask.
"Why do you need a cubby?" Shapau sounds scandalized by the very suggestion. "Young you may be, Svante, but you are still a member of the Five Score Fellowship. If Akachi assigns you a mission, it will be from his own hand."
"Only us lowly gods get cubbies," Itziar explains.
"Where do all these missions come from? The Maidens?" you ask.
"Pattern spiders. Ever tangle they can't fix means a new mission for the Bureau of Destiny. We sort them and the delicate missions go to you Sidereals and the rest go to our gods assigned to posts in Creation." Shapau groans in frustration. "Those lazy pattern spiders send us a mission addressed to you every once in a while."
"Oh don't worry." Shapau waves a hand. "You aren't officially a member of the Bureau until your eighteenth birthday. We forward those to Elder Kejak's office."
"Look at this." Itziar holds up a red envelop. "We got another mission with your name on it right here. What a coincidence…" the goddess says sardonically. A god working in the Bureau of Destiny is weary of coincidences.
You snatch the envelope away before Shapau can even reach his hand out. You rip open the envelope and read.
To: Svante Visscher, Chosen of Secrets
From: Pattern Spider #0A6915
Mission Profile: The god of the Southeast Potato field of Wong Farm is neglecting his duties for unknown reasons. Discover why before the Potato Harvest Festival.
Estimated Probability of Solar Presence: Insignificant
Estimated Probability of Hidden Yozi Presence: Insignificant
Estimated Probability of Lunar Presence: Insignificant
Estimated Probability of Fair Folk Presence: Insignificant
"That's it?" You toss the disappointing mission on the table.
"What do you expect from a pattern spider?" Itzair grunts, as she picks up another pile of mail.
"The mission wasn't meant for you. One of the pattern spiders is glitching out. Elder Kejak's office is investigating. " Shapau says.
Your pattern spider curls up into a tighter ball in your pocket. You fold the mission envelop in half and tuck it in with your pattern spider. "Don't route any more missions for me to Elder Kejak office. I'll take care of them."
"What?" Shapau says. "What do you mean by 'you'll take care of them?'"
"Now you've done it!" another staffer yells from across the hall. "We are going to be doing twice the work!"
"We aren't qualified for Secrets work!" another voice wails from further down.
"The boy's gotten only three missions over the past few months. We'll be fine." Itzair yells. She digs though the cabinets and pulls out a box of wooden nameplates. "I'll assign you a cubby."
"A cubby!" Shapau sputters. "He's a Sidereal! What will the other thinks when they find out he has a cubby! None of the gods will respect him!"
"It will be good experience for him, having to get his own mail!" Itzair counters as she carves your name into the soft wood.
"This is unprecedented!" Shapau complains.
"I'm not running all over Creation to track down a Thirteen year old boy." The long eared goddess blows the shavings into the trash bin. She slides your nameplate into an empty slot on one of the smaller cubbies.
"At least give him one of the larger ones!" Shapau insists.
Itzair frowns as if she is about to argue. Instead, she sighs and assigns you one of the larger cubbies. "The mail gets delivered twice a day." The goddess smirks as she pushes her empty mail cart away.
Shapau frets about your cubby. "What if you are in Creation and get assigned a mission? This whole situation needs to go to committee for discussion!"
You drop your head to the table. A committee discussion about whether you should have a cubby or not was asinine!
"What needs to go to committee?" You look up to find the Owl standing at the doorway of the breakroom. Your tutor holds a fine-grained mahogany case under his arm.
"Svante insists on handling his own mail! He has no experience, no office, and no staff. Only a cubby!" Shapau points at the offending cubby.
"I'm not going to get experience if I don't get to do anything!" you yell.
"Savante, Shapau, calm down." The Owl orders. "If Svante is unavailable, then I can check his mail."
"Oh, would you? My staff's already overworked with all the… " The secretary pauses. "Well you know." Shapau must be talking about the secret meeting tonight.
"Yes Yes," The Owl waves him off.
"Wonderful!" Shapau, satisfied your missions are not his problem anymore, leaves the breakroom.
"Svante?" The Owl sides the mahogany case across the table towards you. "Do you remember what is in this case?"
Despite never having seen this case before in your life, it seems familiar. Memories of laughter, wine, and piles of Ambrosia flitter though your mind. You finger the silver latches before opening it. "These are your Ma Daio tiles." You click the case open and reveal the worn carved and painted tiles.
"Akachi mentioned he was working late tonight so I decided it was time to teach you how to play Ma Daio. We have suffered far too long with that fat toad on our fourth corner. " The Owl says, referring to Sasha and Wanahton's lazy secretary.
You pick up a face tile and run your finger over the worn carvings. You have many evenings hidden on the staircase and listened in on Akachi's Ma Daio game. Yeva, your sifu was often a player along with the Owl, Sasha, Jaived – another chosen of Endings- and few others. The elder's plan was as smooth as the game tile in your hand. You expected them to assign someone to tail you, but instead they simply have your tutor offer to teach you a game you long desired to learn.
What do you do?
- Tell the Owl the truth. You are going to sneak into the meeting.
- Lie to the Owl. Tell him you had plans to visit you friend in Vanchow.
- Play along with the Owl and then sneak away


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(? - 1862)
Home State: Georgia
Branch of Service: Infantry
Unit: 24th Georgia Infantry
Before Sharpsburg
From Habersham (Franklin?) County, he mustered as Private, Company H, 24th Georgia Infantry on 24 August 1861.
On the Campaign
He was mortally wounded by gunshot to the right foot and captured in action at Sharpsburg on 17 September 1862.
The rest of the War
He was treated at the City Hotel Hospital in Frederick, MD until 16 October, then sent to Aiken's Landing, VA and exchanged there on 19 October. He was then in Chimborazo Hospital, Richmond, VA until 15 November when he was furloughed home. He died there on 9 December 1862.
References & notes
12/09/1862 Habersham County, GA
1 Henderson, Lilian, compiler, Roster of the Confederate Soldiers of Georgia, 1861-1865, 6 vols., Hapeville (GA): Longino & Porter, 1959-1964 [AotW citation 19480]
2 National Museum of Civil War Medicine, and Terry Reimer, Frederick Patient List, Published 2018, first accessed 17 September 2018, <http://www.civilwarmed.org/explore/primary-sources/databases/frederickpatient/>, Source page: patient #756 [AotW citation 19481]


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How we can help you
Developers, Architects and Designers
Design & specification
Pentangle works with developers, architects and interior designers to develop luxury kitchen solutions that not only meet the design brief and the project cost plan, but that are technically feasible, safe and of superb quality. The Pentangle Five Point Design Process Plan and the Pentangle Promise guarantees these criteria are met.
Quantity Surveyors
Cost Plan
Pentangle understands the importance of accurate and transparent pricing and the importance of adhering to the project cost plan. We are frequently asked by quantity surveyors to give cost advice. We have a passion for design detail and material choice and we understand the importance of retaining these important elements. If project budgets are under pressure, we will offer an intelligent value engineering solution rather than simply cutting the specification to reduce cost.
Main Contractors
Project delivery
Pentangle understands the priorities of main contractors in delivering complex and demanding residential projects and our Project Management Methodology ensures that the kitchens will be installed safely, to meet programme and with zero snags.
End users
Customer service
Pentangle's responsibility doesn't end when the kitchens have been installed.
We have a dedicated team to support the new residents and ensure they get the maximum benefit from their new kitchen.


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Meet the Fayetteville Youth Dance Company at The Art of Motion — also known as FYDC!
recent happenings
My name is Erica Erck, and yes, I married into that fun, catchy name! I am a born and raised Arkansan from Little Rock and graduated from the U of A here in Fayetteville. Since college, I ventured into many areas of creative jobs, but found my passion in photography. I lived in six states {KY, IA, KS, MO, NC and TN} before returning to the Natural State in 2010. During those years, I got married, had three children and started Erica Erck Photography!
Life is busy as a mom of a 5, 9 and 11 year old - but I love it! From school, to soccer, to gymnastics and many, many basketball games, we are out and about in NWA. I love capturing kids in their comfortable clothes, their cozy homes or familiar parks...let them run, have fun, and show me their talents and humor. My session with your family is meant to be fun and relaxing...so don't sweat it! Your husband may even walk away saying "that wasn't so bad at all!"
Please give me a call and we'll chat! Thank you for visiting and look around, stay a while, leave a comment or send me a message! I look forward to meeting you.
erica {ee}
** Thank you Brooke Robinson Photo for my head shot and Sandra at Solange Salon
Sunday, August 20, 2017
FYDC | Dance Team photos
Posted in at business location, Dance Photography, Portrait, Uncategorized
Meet the Fayetteville Youth Dance Company at The Art of Motion — also known as FYDC!
Posted in at business location, Dance Photography, Portrait, Uncategorized
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text: How to make $100 a Day from Home June 24, 2019Dan Ashendorf How to make $100 a Day from Home Join my mastermind here http://bit.ly/DansListBuilding How to make $100 a Day from Home – Everywhere you look it seems that people want to work from home. Long commutes, decrepit public transport, demanding bosses, everyone wants to be their own boss. And everyone wants to know How to make $100 a Day from Home. In this video I show How to make $100 a Day from Home using list building. It doesn't have to be hard and it doesn't have to take long. List building is shrouded in mystery but it doesn't have to be. In this video about how to make $100 a Day from Home, I go over the various steps that you can start taking today in order to build your list. I teach you all the steps you need including how to drive traffic to your landing pages. This should get you started with How to make $100 a Day from Home…. but the main ingredient the real X Factor is to take action. Let's face it most people can get a lot of information online but they just never take action. and unless they do that, they will never implement the lessons taught in How to make $100 a Day from Home. So sit back and enjoy the show To start earning online in the quickest way possible download my guide from here https://commissiondragon.convertri.com/ytlandingpage Please be sure to join my Facebook Group for daily tips and tricks https://www.facebook.com/groups/2026546607385633/ Subscribe to my channel for the best offers, hacks, tips and tricks! LET'S CONNECT! Facebook – https://www.facebook.com/groups/2026546607385633/ Instagram – https://www.instagram.com/onlinecashtoday/


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Fifteen new Fellows are joining the Jane Glassco Northern Fellowship Program. They are, from the Yukon: Luke Campbell, Ashley Carvill, Alysha Kufeldt, Kelly Panchynshyn, and Julianna Scramstad.
Northwest Territories Fellows are: Heather Bourassa, Don Couturier, Chloe Dragon Smith, Peter Greenland, and Kristen Tanche. Hailing from Nunavut are: Laura Arngna'naaq, Tina Piulia Decouto, Marjorie Kaviq Kaluraq, and Megan Pizzo-Lyall. And the recipient from Nunavik is Hilda Snowball.
Over the next two years, the current Fellows plan to collaborate on exciting northern opportunities and challenges, including resource devolution, education, water protection and truth and reconciliation.
Follow their progress at: www.gordonfoundation.ca


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The European Commission approved the application by the companies Estonian Spirit OÜ and Remedia AS to register "Estonian Vodka" as a protected geographical indication. With that, Estonia got its first product with a geographical indication.
"Receiving the indication is a huge acknowledgement to the Estonian food industry. It shows that we can make products that deserve recognition all across Europe," Minister of Rural Affairs of Estonia Tarmo Tamm said.
"The geographical indication makes a product more valuable and will definitely be beneficial in exporting the product and improving its competitiveness. It will inform the consumers on the production technologies, and on the qualities and specific characteristics of the product," Minister Tamm added.
"Estonian Vodka" is a geographical indication (GI) to vodka that has been made from ethyl alcohol produced from raw materials grown in Estonia and from water of Estonian origin. With the registration of the GI, the words "Estonian Vodka" can only be used on the labelling of vodka that has been produced in accordance with the requirements set out in the technical file. Other vodkas produced in Estonia can henceforth use other expressions, such as "Vodka from Estonia", Vodka made in Estonia", etc.
There are three quality schemes in the European Union: protected designation of origin (PDO), protected geographical indication (PGI), and traditional specialities guaranteed (TSG). The application to acknowledge the "Estonian Vodka" GI was filed by the companies Estonian Spirit OÜ and Remedia AS and the procedure of the application lasted for more than four years. The Central Union of Estonian Farmers, the Estonian Farmers' Federation and the Estonian Rye Society have all expressed their support for registering the "Estonian Vodka" geographical indication.


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Looking to join a badass group of marketing experts, creatives, and strategists? We may have an opportunity for you.
Account Manager
Greenville, SC
The ACCOUNT MANAGER (AM) is responsible for the relationship between the agency and client. The AM will generally look after client needs through direct contact, liaison, and the marshaling of agency resources. The AM will be the key, day-to-day agency representative to the client and will maintain a highly responsive service orientation in all transactions. They must be knowledgeable in both the client's business and the agency business.Learn more


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@JoyFurnival, Lean in the British NHS
about 1 year ago.
Mark Graban interviews leaders and innovators in the Lean thinking world. Topics will include Lean manufacturing, Lean healthcare, Lean production, Lean startups, and Lean enterprise. Visit the blog at www.leanblog.org. For feedback, email email@example.com. All past episodes, with show notes and more, can be found at www.leancast.org.RSS
Updated a long time ago.
My guest for Episode #286 is Dean Gruner, MD, the recently retired CEO of ThedaCare, a health system in Wisconsin that has long been considered a worldwide leader in the practice of Lean in healthcare. See this article about his retirement, where he says "I've gotten more than I've given."
Dean was previously my guest in Episodes 119 and 144 and I'm thrilled that he took time out of his retirement to talk with me about his lessons learned as he looks back on how ThedaCare's Lean journey has evolved, including some things he would consider to be missteps and challenges that they used as a springboard to get even better.
I will also be releasing a separate episode where Dean talks about their experiences with Accountable Care Organizations (our topic from #144) and other "big picture" healthcare issues of the day.
I'm including a full transcript along with a three-page PDF summary, as I've been doing recently.


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Many people declare me insane when they see my two Stage Accompany (SA) Blue Box enclosures standing in my living room. They always ask me how my wife feels about these "monsters" taken so much place of our living room.
I know that the WAF (Wife Acceptance Factor) of the SA Blue Box is rather low so many women will prohibit their husbands to place such "monsters" in the living room. Fortunately my wife doesn't care about the size of the enclosures as long as I'm happy she's happy.
Why I don't have a small set of HiFi or High-End in my living room?
Short answer; I don't like the sound they produce, I find such enclosures play like sissies 🙂 .
Long answer; I've always liked big enclosures about their impressive looks and SPL. In my humble opinion a set of HiFi or High-End loudspeakers can not reproduce the real live feeling of a live concert. Unfortunately most Pro Audio (PA) enclosures are build for maximum SPL at the cost of the (high) fidelity of the original signal. In all these years I've found only one brand that fitted my taste, combining (enough) SPL with a very high sound quality, that is: Stage Accompany from the Netherlands . And I'm not the only one, more and more down-to-earth High-End enthusiasts searching for the Holy Grail have found it in the SA Master Series.
Two of my favorite Stage Accompany enclosures are the M57 and his big brother the M59. Both models are equipped with the famous SA8535 Ribbon Compact Driver. The sound of the M57 and M59 is really addicting, but can be also very frustrating.
Songs that you loved before to hear through your home HiFi loudspeaker system (because you liked the whole package; the sound, song and lyrics) can be very disappointed hearing them through a set of M57 or M59 (taking the joy away because your favorite songs sounding like crap (reason: simply because they're badly recorded/mastered 😉 ).
At this level of monitoring bad recordings (and/or heavily compressed) sound really really bad, and perfect recordings (with dynamics) sound really awesome and breathtaking.
Through the use of mobile devices and the continuing loudness war, many, most young, people have no idea how good recorded/mastered music can actually sound. It's a pity a lot of youngsters like the sound of a heavily compressed song which leaves no room for dynamics. The only thing they care about is how hard the song will blast out of their mobile devices! I'm pretty sure when these youngsters hear a Ribbon Compact Driver loaded SA M59 Master Series set (fed by three SA HE50 amps totaling 15.000 Watt) they're blown away about the detailed, overwhelming and controlled sound.
Not everyone like the sound of a ribbon driven enclosure, some people dislike a ribbon driver because they think there's something missing in the sound the ribbon produces.
And that's correct, they're missing the harshness and distortion of the compression driver 😉 .
The other reason why people don't like the ribbon sound is that they're thinking the output of the ribbon driver is far less then that of a compression driver.
A system with lots of distortion in the mid and high frequencies gives you the idea that that system is producing far more dB's (and in that believe sounding better)!
A ribbon equipped system stays free of distortion even at very loud levels and gives the listener the idea that the set isn't playing loud (until he grabs his SPL-meter and start measuring).
That's why you can listening for hours and hours to a SA ribbon loaded cabinet (without the distortion) without going to feel tired after awhile (what is the main reason of my ribbon-addiction).
Because of the above mentioned reasons a SA ribbon loaded cabinet sounds "how music should sound", without distortion and with dynamics.
Feel free to leave a comment.


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After six rounds of matches, our very own Plymouth Primary Schools Football League is well under way! Twelve teams from around Plymouth have been competing since September and we have now played the final games of 2017. Matches will resume on Friday 12th January when our two teams will play against each other in a Wembury derby!
The children have really enjoyed the matches so far and continue to represent the school brilliantly; our teams are currently placed 3rd and 8th in the league table. They are all developing well as individuals and together as a team. Feedback from children and adults from other schools has been very positive and we are pleased to provide this regular opportunity for exercise, whilst developing teamwork, sportsmanship, a love of sport and many other important skills for so many children.
To see the latest results, table and pictures plus those from previous weeks, please click here.
All of the information regarding the league can be found here on the school website.
You can navigate to these pages by clicking on: About Us > Curriculum > PE > Plymouth Primary Schools Football League from the homepage of the website.


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Jean Grae The Orchestral Files
Published Feb 19, 2008As hungry fans eagerly await some big things from Talib Kwelis latest signee Jean Grae, the venomous New York MC does a little mid-winter vault cleaning with this collection of hot tracks recorded before her big move to her new Blacksmith environs. The Orchestral Files is no less than a heaping of shame on rival rhyme enthusiasts by the indelible firebrand, a loosely connected disc of unreleased second guesses that puts most well-planned studio efforts to shame. As usual, Grae comes correct in all forms, be it through the raw sentimentality of the pensive "My Angel Is You, the documentarian bio-rhymes of "The Story, or the ever-present wry wit found on "What You Gonna Do. Even when playing the self-effacing, grounded artist role that lends jokes to the lounge club interlude "Jean Experience, Jean gives you something to smile about. At the very least, this record should buy Ms. Grae a few more months before the people start getting restless again. (Orchestral/Koch)


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Property investment causes sibling rivalry
LARRY wishes to invest in real estate, but when consulting his bank is told his income is not sufficient to obtain a loan.
He asks sister Elizabeth if she is willing to help him purchase property and she agrees.
After signing a purchase contract for $260,000 in his sole name, Larry pays the deposit of $26,000 but puts the loan in joint names and pays the stamp duty.
At settlement, the amount available under the loan is not sufficient to pay the purchase price so a further $30,000 is paid by the parties and settlement proceeds.
The property is then tenanted and the rent is used to pay the mortgage.
When the mortgage is repaid years later, Larry moves into the property and pays all rates and outgoings.
Twenty years after the initial purchase, Larry decides to sell the property now worth $1.2million.
Elizabeth lodges a caveat claiming she has equitable interest in the property and the matter proceeds to a court hearing.
The court states because Larry is the registered proprietor, there is a legal presumption he is the beneficial owner.
However, this presumption may be rebutted if he did not pay the whole of the purchase price.
The evidence indicates Elizabeth paid the $30,000 shortfall at settlement and also made a $10,000 contribution towards the mortgage during the term of the loan.
The court finds that Larry holds the property on trust for himself and his sister in the proportions that they contributed to the purchase price which is found to be roughly equal.
Therefore, Elizabeth is ultimately entitled to half of the proceeds of sale but must reimburse Larry for half of the rates and outgoings.
Larry must pay Elizabeth an occupation fee for the time he lived in the property.
For Manny to address a legal issue, simply email email@example.com or phone 6648 7487.


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14 Sep The Web Marketing Team Helps Business Reach A Wider Audience
More Exposure
Building a website does not necessarily mean that you will have customers just because you have a website online. Even businesses that are established are going to need some assistance from web marketing companies. The company that offers web marketing services help companies gain more exposure. Those companies that are trying to build a brand and attract more customers are never going to be at a point where marketing services are not in demand. The reason for this has a lot to do with the abundance of the competition. People that are running businesses are well aware that the competition is always going to be high. This means that most companies are always fighting for that spot at the top. Web marketing helps business leaders do this.
The business leader that has no statistics on the number of visitors that are coming to the website are not going to have a good grasp on what their business is actually doing. It is better to be informed and know the number of visitors that are getting connected to the website on a regular basis. With a web marketing company business leaders can get these types of numbers. They can actually get an ideal of the amount of people that are going to the website on a regular basis. The numbers may initially be disappointing.
Most business leaders like to assume that they have more web traffic than they actually receive. It is good to see the stats during the early stages of the relationship with the web marketing team. These teams can provide new numbers that show how web traffic improves once the web marketing services have been implemented. It gives business leaders a better perspective on search engine optimization and how well it works for the business. These type of stats can tell business leaders how long visitors are staying on the page. It can give a general idea of the location that the highest number of visitors are concentrated in.
Market to A New Demographic
When a business leader finds out that there is a lack of web traffic in a certain area they may want to market to a new demographic. This is another area where web marketing services become valuable.
People that have websites have the ability to connect with those companies that are going to provide a connection to a new group of potential visitors for a certain area.
Provide Better Descriptions Of Services
A web marketing services team, for instance web development brisbane, has the ability to help business leaders provide better descriptions for what the company is doing. Words are very important when it comes to marketing a business. A business may be able to do excellent work, but potential customers have to be persuaded with words. A web marketing services team can help entrepreneurs find the words that lure customers.


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Prime Industries, Inc.
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8891901 - Clear Low Profile Horizontal Strobe 6 LED Light
Default Title - $ 59.99
6 LED's
Clear lens
Multi-Voltage (12-24 Volt), 1 Amp @ 12 Volts
SAE J595 Class 1
10" lead w/ blunt cut ends
IP67 (waterproof)
Aluminum base, black powder coat finish
19 adjustable flash patterns
Can be synced for simultaneous or alternating flash patterns
5-Yr Warranty
$ 8.50
38-1 - 8ft. D Ring Strap
$ 18.50
38-20A - Wide Handled ratchet w/ Single ...
$ 220.00
TM22G - TowMate Lime Light Bar
$ 58.50
6I-2TSW30 - 2 Ton 3" Sheave Snatch ...
Here at Prime Industries Inc., we strive each and every day to ensure the customer is getting the BEST AVAILABLE PRODUCTS AT THE BEST PRICES! Also, that the customer is taken care of. We check and double check every order to ensure the customer is getting exactly what they ordered in the time frame they need it. We understand that you are what makes us possible.
**Return Policy ** There a 30 day return policy from date of purchase. Please call 1-800-446-1144 for a RGA number before shipment
We Promise to only Send Updates with our Products & Services


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Being the kid at heart that I am, I totally (wow, I just used the word totally in a sentence in the year 2010....gnarly dude!...lol) had to go pick Beauty and the Beast up from Toys R Us today when it came out! I mean you can't beat those Disney classics from the 90s. But anyhow, what a sweet deal it was!
Here's the deal:
Beauty and the Beast Diamond Edition- $22.99 sale priced (reg. $29.99)
Pre-Order Toy Story 3 and Pay $5 towards TS3 now, Get $10 off BatB now
=$7.99 out of pocket
Less Rebates:
Would make a great Christmas present or Stocking Stuffer! BTW, the Diamond Edition includes 3 copies- 1 each of BluRay, DVD, and Digital Copy (for Ipods).


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Who doesn't love a party? After all, soirees combine three things that everyone loves: Food, friends, and fun. No shindig—whether it's a birthday, wedding, or graduation—is complete without dessert (plus decorations, tunes, and presents).
For many, a cake is the ultimate celebratory symbol. Others prefer alternative confections like cookies, brownies, and fudge. And while chocolate and vanilla are classics for a reason, nothing says let the good times roll quite like Funfetti, bursting with sweetness, rainbow sprinkles, and nostalgia.
Want even more flair? Deck your kaleidoscopic baked goods with florid frosting—aqua, hot pink, neon green, or purple—and an extra smattering of sprinkles. You can even add some multicolored candles or a dazzling DIY cake topper.
It's easy to see why everyone is sweet on this festive flavor. Ready to get in on the fun? Scroll on for 21 chromatic confections that your guests will gobble up with glee.
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Sprinkle Sugar Cookie Bars
Fun and festive, these sprinkle-studded sugar cookie bars are finished with a layer of buttercream frosting. Just be sure to make a second batch, because everyone is going to grab seconds.
02 of 23
Funfetti Cheesecake Brownies
Cheesecake or brownies? Why should you have to choose? These swirled delights combine the best of both worlds. They're rich, decadent, and totally delectable.
03 of 23
Checkerboard Funfetti Cake
Test your culinary, err baking, skills with this scratch-made showstopper. This oh-so-colorful confection layers piñata-flavored cake and silky vanilla buttercream. And the checkerboard design is about as adorable as it gets.
04 of 23
Funfetti Rice Krispie Treats
Everyone needs a no-fail dessert in their recipe repertoire. And for us, it's these Funfetti Rice Krispie treats. Whip up a batch for your next party or bake sale.Continue to 5 of 23 below.
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Angel Food Funfetti Cake
Light-as-air and dripping with a luscious (two-ingredient) icing, this angel food cake is super simple to make, but packs a pro-level punch when it comes to impressing your guests.
06 of 23
Oreo-Stuffed Funfetti Cookie Cupcakes
For those days when you can't decide between Oreos, chocolate chip cookies and cupcakes, this recipe delivers all the aforementioned goodness in a single chewy treat. Plus, it's piled high with buttercream frosting. Who wouldn't love that?
07 of 23
Funfetti Biscotti
Hosting an afternoon tea? Give your guests a scrumptious spin on an Italian classic with this funfetti biscotti recipe, enhanced with vanilla extract, sprinkles, and a white chocolate drizzle.
08 of 23
Funfetti Cake Batter Waffles
Is it breakfast or dessert? We don't care! These Funfetti cake batter waffles are the best way to start the day or end the evening.Continue to 9 of 23 below.
09 of 23
Unicorn Pretzels
Sweet and salty pretzel rods with a kaleidoscope of candy sprinkles make a perfect treat for a unicorn-themed party. Let the kids help dip and decorate for tasty family fun.
10 of 23
Unicorn Pop Tarts
This recipe for unicorn pop tarts plays on Kellogg's classic breakfast treat. The colorful pastry crust holds sweetened cream cheese and rainbow sprinkles. With vanilla glaze and more rainbow sprinkles, this homemade version tastes best enjoyed fresh from the oven.
11 of 23
Brown Butter Funfetti Cookies
A grown-up riff on a childhood favorite—that's still totally kid-friendly—these brown butter cookies are a total crowd-pleaser that's sure to appeal to adults as well as younger party-goers.
12 of 23
Grain-Free Funfetti Cake
Craving a delicious vegan dessert? Get the soiree started with this dairy- and grain-free twist on a traditional, multi-layer Funfetti cake. Adorn with pink and yellow frosting.Continue to 13 of 23 below.
13 of 23
Funfetti Fudge
Double the Funfetti, double the fun. These sprinkle-speckled fudge squares are topped with birthday cake crumbles. Bonus: They double as adorable and edible favors for your next get-together.
14 of 23
Funfetti Lollipops
Looking for cute candy that's as palatable as it aesthetically pleasing? These funfetti lollipops flecked with colorful sprinkles are pure happiness on a stick!
15 of 23
Orange Creamsicle Funfetti Cookie Dough Bars
Funfetti cookie dough sounds pretty darn delicious on its own. The addition of orange swirl ice cream and whipped topping just elevates it to a whole new level of dreaminess.
Orange Creamsicle Funfetti Cookie Dough Bars from Unusually Lovely
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Bite-Sized Rice Krispie Sprinkle Bites
We love reinventing the classics. And these bite-sized Rice Krispie sprinkle bites are versions of everyone's fave snap, crackle, and pop treats are no exception. They're great for on-the-go snacking, goodie bags, and the list goes on...Continue to 17 of 23 below.
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Slumber Party Funfetti Cupcakes
Curious what makes these "slumber party" cupcakes? Funfetti pancake batter! The texture is soft and fluffy. Adding to the yumminess is a wonderful whipped frosting. Midnight snack anyone?
18 of 23
Unicorn Cupcakes
Transform a classic vanilla cupcake into an impressive mythical unicorn cupcake with just a couple of marshmallows, a dash of sprinkles, and a perfectly placed candle. These make a great substitute for a birthday cake when the party includes a picnic.
19 of 23
Funfetti Grilled Cheese Sandwich
A sweet rendition on a savory sammie, this funfetti grilled cheese sandwich stars buttery brioche, ricotta, and Funfetti cake mix.
20 of 23
Cake Batter Martini
Make happy hour that much more cheerful with this cake batter martini. Boozy and just a bit indulgent, it's the perfect hump day tipple. After all, you're over halfway to the weekend. And that's worth rejoicing, right?Continue to 21 of 23 below.
21 of 23
Funfetti White Chocolate Cookies
As addictive as they are adorable, these cute cookies are chock-full of white chocolate chips and sprinkles.
22 of 23
Confetti Choco Tacos
Turn any day into a celebration with this sweet take on our favorite Mexican food! Finish with a dollop of frosting and rainbow sprinkles.
23 of 23
Funfetti Oreo Krispie Treats
A modern take on a nostalgic treat, these sweet squares will tantalize your taste buds with an irresistible combination of Golden Oreos, Rice Krispies, sprinkles, and marshmallows.


text:
- 3 Beds
- 2 Full Baths
Property TypeResidential – Condominium
SubdivisionSun Vail Condo
Listing Date03/13/19
Year Built1980
Lot Size0.08 Acres (3,485 SqFt)
ParkingSee Remarks, Unassigned
Property Description
Spectacular Ski Slope Views...walk to skiing, dining, and shops. Year round outdoor pool and hot tub with magical western sunsets! Tastefully remodeled gourmet kitchen and bathrooms. End unit with lots of light. Extra storage off of the master bedroom. Master bath bathroom floor is heated. Never rented; however, short-term rentals are excellent!
Presented By
- Bus Route
- Walk to Slopes
- City
- Mountains
- Ski Slopes
- South Facing
- Golf-Public
- Hiking/Pedestrian Trail
- On Bus Line
- Pets
- Pool
- Cable Available
- Fireplace - Gas
- Hot Tub / Spa
- Multi-Level
- Patio
- Pool
- Front Desk
- Pets
- Pool
- Spa and Hot Tub
- Cable TV
- City Sewer
- City Water
- Electricity Avail.
- Natural Gas Avail.
- Snow Removal
- Trash Pickup
- Baseboard
- Electric
- Radiant
- Dryer
- Washer
Financial Information
We get asked this question a lot. Below is a tool that gives you the ability to see what the market is like in your community. Find out what homes like your own are selling for right in your back yard. Simply enter in your address, choose the proximity of the search and find out market data for other homes that are selling near you.
While we'll provide you with plenty of information, this is a snapshot of your market data and there are real people behind the high-tech and automated tools. If you would like more detailed information or help in understanding the results we are here to help.
Until then, enjoy the tools!
The data relating to the real estate for sale on this website comes in part from the Internet Data Exchange program of the Vail Multi-List Service, Inc.
Copyright © 2020 Vail Multi List, Inc. (VMLS). The information displayed herein was derived from sources believed to be accurate, but has not been verified by VMLS. Buyers are cautioned to verify all information to their own satisfaction. This information is exclusively for viewers' personal, non- commercial use. Any republication or reproduction of the information herein without the express permission of the VMLS is strictly prohibited.
Listing courtesy of Berkshire Hathaway HomeServices - Lionshead


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You are currently browsing the category archive for the 'Grand Rapids MI Golf' category.
Autumn is a picturesque time of year here in West Michigan. We
have lots of rivers, lakes, fall color, and lots of wildlife. This series
of photos lets you see a few residents of the Thornapple River at
their daily routine. The Thornapple River flows into the Grand River,
the longest in the state at Ada Michigan. Needless to say, a haven for wildlife year round. This gaggle of geese was just off the
Thornapple Pointe Golf Club in southeastern Kent County a few
weekends ago.
If you are looking for a home in the Grand Rapids Area, we service the following areas: Metro Grand Rapids, Ada-Cascade, East Grand Rapids, Caledonia, Kentwood, Lowell, and Rockford. We have assisted Grand Rapids buy & sell homes for the last 35+ years. Call 1-616-292-7263 to talk with Terry or email him at: firstname.lastname@example.com.
For MLS access to the homes for sale in the West Michigan Area,visit: Westbrook Realty ~ Grand Rapids Real Estate for a free search. Your search can be saved and modified as you view homes, with no obligation.
Thinking of selling your home? We offer one of the most extensive marketing campaigns in Grand Rapids with a major online presence for your home. With over 85% of buyers looking for homes online, this is where we concentrate our efforts. Click here to view Terry's Realtor profile.
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West Michigan has 4 seasons and fall or autumn is one of our favorites.
The foliage on the trees is yellow, red, orange, shades of green, and
brown. It all combines to paint lovely colors all over our landscape.
We captured a few photos of the fall season here in Ada Michigan
on the Thornapple River this last weekend. All were take from
Thornapple Pointe Golf Club near the Gerald R Ford International
Airport, just southeast of Grand Rapids.
In fact, we joke that it is the TCPB course here…….trains, cars,
planes, and boats can all be seen and heard from the course.
We had an airboat travel down the river while we were playing
but I didn't get my camera out in time to catch it in a photo.
Westbrook Realty ~ Grand Rapids Real Estate
Copyright 2009 all rights reserved
Call 1-616-292-7263 or email me: firstname.lastname@example.com
This was captured yesterday playing golf at Thornapple Pointe Golf Course
on the Thornapple River in Grand Rapids Michigan.
My friend, Paul, and I got in a quick 18 holes in the afternoon.
The golf course was pretty open which left me time to snap a few shots
of our local scenery. This little maple is putting on quite a show!
Westbrook Realty ~ Grand Rapids Real Estate
Copyright 2009 all rights reserved
Call 1-616-292-7263 or email me: firstname.lastname@example.com
There are so many golf courses in Michigan, over 900 public courses,
ranking third in the nation in public golf courses and over 400 member
clubs to play. We are crazy about golf in Michigan.
With courses like Spring Lake Country Club, it is easy to see why.
Spring Lake Country Club is an old course, founded in 1911, and it is a
private, member owned facility. From the longest tees, it is 6525 yards.
"Going green" is taken seriously at Spring Lake CC. In May of 2005,
they received the honor of being named a Certified Audubon Cooperative
Sanctuary, only the 14th course in Michigan to be recognized. In 2007,
SLCC was named #1 for total number of bird species counted on the course
in the Great Lakes region and 3rd in the entire country for the Audubon
International North American Bird Watch Open, held in May each year.
Spring Lake CC is seriously into Junior Golf. Don't be surprised to
see a few future PGA professionals hail from this course. Last year
they had 180 Junior PGA Golfers (aged 7-17) in their Annual Junior
Golf Tournament held in August.
We were invited to play this fabulous course last week by our friends,
Charles and Joann. We had a beautiful day to play golf and enjoy the
aesthetics of this picturesque golf course. Spring Lake CC is heavily
wooded, and indeed, we saw several oak trees with trunk girths of
15-20 feet or more.
75-80 degrees, sunny and a slight breeze off the Lake (Spring Lake is
open to Lake Michigan) is a perfect Michigan summer day. And we
couldn't think of a better way to spend it. Because Spring Lake is
connected to Lake Michigan, it is a prime resort area and has many
elite homes on the lake.
We are sharing our photo montage of Spring Lake Country Club.
Grab a cart and ride along!
Spring Lake Country Club
18496 Fruitport Rd
Spring Lake Michigan 49456
Westbrook Realty Grand Rapids Real Estate
Copyright 2009 All rights reserved
Photos by Bonnie Westbrook
We all love a success story. This one is about a local Kentwood
graduate, Matthew Harmon, who was Michigan's Mr Golf 2002-3,
went on to play golf for Michigan State University
and is now on the Nationwide and NGA Hooters Golf Tours trying
to make it to the PGA Tour. He got a big break this week.
Let us tell you his story:
He was 2 under par playing his final qualifying round for the Buick
Open when his caddy (and brother-in-law) Nick, stepped into a
bunker and then raked his tracks. Matt was in the other end of
the bunker hitting out and didn't see what Nick did until it was
too late. He thought it was a 2 stroke penalty. He consulted the
officials. They didn't know for sure either, but to be on the safe side,
assessed the 2 stroke penalty, which put Matt at 4 under and
1 stroke over qualifying for the final Buick Open.
Oh, well, another day of golf, and on to Houston, Texas to play in
another tournament. He was at the Minneapolis airport when he
got the call from the officials at the Buick Open. They had received
a play cancellation and because of the penalty Matt assessed himself
(which is still in contention), they offered him a spot in the Open.
Now all he had to do was get back to Grand Blanc and get his
clubs and equipment there – which were on their way to Houston
by this time. He got a ticket back to Grand Rapids and drove to
Grand Blanc, and his clubs and gear arrived in time, somehow.
He is performing like a champion at this tournament. He was 4 under
yesterday and had the daily record for the longest drives. He is 2 under
today, tied for 18th place. This could be his very first major tournament
to place in the money. Our local TV channel had an interview that aired
on the 11:00 pm newscast last night. We are watching closely, this
could be his big break into the PGA events.
A few pictures I took yesterday of Matt and that other guy, Tiger Woods
playing at Warwick Hills, The final Buick Open.
Did I mention I used to play with Matt and his Dad when he first started
to play golf? He must have been 10-11 years old. He could hit the ball
a long way even back then. I never dreamed he would one day play on
the PGA Tour and I would be in the crowd cheering him on!
Westbrook Realty Grand Rapids Real Estate
Copyright 2009 All rights reserved
Photos by Terry Westbrook
Kent County Michigan Amateur Golf Championship Tournament
here on July 11th & 12th 2009
This is the kind of real estate I prefer to all others, especially on
the weekend. No hassles, just blue sky, green grass, and an
18 hole challenge.
I didn't play particularly well today, but the course was in good shape, and
I had 3 new friends to share the morning round.
I took a few pictures so you can see a sampling of what this course looks like.
It is hard to believe to you are about 10-15 minutes away from downtown
The First Tee – water on the left & right.
The fifth hole from the right of the fairway, yes I made par.
The 2nd Green
The 14th Tee – better hit it straight or you will be in the woods.
The 18th Green
Another player is out near the green, wonder if he found a stray ball.
Westbrook Realty Grand Rapids Real Estate
Copyright 2009 all rights reserved
photos of LE Kaufman Golf Course by Terry Westbrook


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If you grew up a Steeler fan like I did, you would know that Troy Polamalu was a household name. This man did the impossible on a weekly basis and was one of the most feared safeties in the league (the only guy who was close was Ed Reed). He will long be remembered as one of the all-time greats to wear the black and gold. His pick-six against the Ravens to seal the 2008 AFC Championship is a play that will resonate with an entire generation of yinzers. Here are just a few of the best plays from Dr. Head and Shoulders himself:
With all that being said, this is not just a blog praising the Samoan God.
This is a heads up to all of college football, because Polamalu's even scarier nephew has just committed to Nebraska. The rest of the Big Ten should just start praying now.
A consensus four-star safety, Pola-Gates chose the Huskers during a televised announcement Saturday night at the Polynesian Bowl in Honolulu. The 5-foot-11, 180-pound prospect from Williams Field High School in Gilbert, Arizona, turned down finalists USC and Arizona State after trimming Alabama from his list last month.– Evan Bland, Omaha.com
Apparently, it's been reported that Pola-Gates runs a 4.41 forty yard dash, which is absurdly fast. Here are just a few of his highlights:
God help us. The next generation of Polamalu DNA is about to hit the NCAA. If he even has half the instinct his uncle had on the field, he's going to be a force for the Huskers when he gets to Lincoln. And if we're lucky, he'll get involved in the kick return game, too. With Nebraska actually being considered to be a sneaky Big Ten West contender this upcoming season, I'll be interested to see how much of a factor he'll be in college football (the NFL too, maybe?) going forward.
I'm just hoping we get a Troy-esque highlight or two like this while he's still in Lincoln.
Oh yeah, time for a shameless plug. Please go buy some Mike Leach merch to support your boy, and follow @tftb_smalls on Instagram.


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House made of glued laminated timber. "Tartu" design.
Total area:233 m2
1st floor area:153,61 m2
2nd floor area:79,43 m2
Premises area:158,32 m2
Terraces and balconies area:74,68 m2
Number of floors:2
Number of bedrooms:3
Number of bathrooms:2
Scope of supply
What is included in «shell and core condition»?
- Transportation and overhead costs (Moscow, Leningrad, Sverdlovsk and Kirov regions, the Republic of Tatarstan)
- Organization of workers accommodation
- Assembly
- All consumables and related materials
- Engineering and technical supervision by the company's specialists
- Geodetic works: layout of axes, leveling, localization of a building on site
- Bored piling with the diameter of 0.3 m installed at frost depth
- Sand blanket of 0.2 m for foundation grill
- Moisture barrier under foundation grill to keep cement slurry
- Foundation reinforcement cage
- Foundation grill (strip) with the size of 0.7 (h) х 0.3 m, certified concrete M-300
- Laying of "Stekloizol" roll moisture barrier on foundation grill
- Glued laminated veneer lumber 185(h)х202mm/162mm, Akzo Nobel glue system (Sweden)
- Preservation by REMMERS compound at the plant
- Treatment of ends against cracking by TEKNOS compound
- Drilling of holes for hidden installation of electrics
- Profile system of your choice
- Sole timber made of board of 50х200 mm of export quality
- Sealing tape for sealing of over-cut areas
- Galvanized steel fastenings
- Floor beams made of board of 50x200 mm of export quality or laminated structural beams processed with biological flame retardant
- Rafter system is made of board of 50x200 mm of export quality, treated with biological flame retardant
- Lathing is made of 50x50 mm bar of export quality
- Galvanized steel fastenings
- Heat insulation with thickness of 200mm with the use of environmentally friendly insulantsй
- Membrane type vapor barrier and moisture barrier
- Flexible shingles SHINGLAS with all accessories
- Ventilated boarding of eaves with dry planed board of 21 mm of export quality
- Roof drainage system
- Set of window cases
- PVC window and balcony units REHAU (Germany) with the thickness of 70 mm, energy-saving triple-pane window
- Bearing frame of internal partitions
- Option: external and internal painting by SIKKENS (Sweden) / ZOBEL (Germany) materials
- Packing in a special breathable branded film
- Loading and delivery to the buyer's facility in the Moscow, Leningrad, Sverdlovsk, Kirov regions, the Republic of Tatarstan.


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Creating "useful" resource outputs from otherwise "empty" or "functionless" marine space is a defining rationale for artificial reef development. The Museo Atlantico generates dive tourism revenue from a purportedly "empty" patch of sand, traditional Japanese fishing rigs create new habitats for fish that expand the harvesting capacity along the shoreline, and landfills or coastal expansion push housing developments further and further into the sea. Wind energy projects are a contemporary example of making "good use" out of "unproductive" ocean space, creating non-extractive energy, and are expanding the policy reach of Rig-to-Reef programs that claim oil rigs – in some ways including the capital subsequently produced from offshore oil and gas – support vibrant marine communities.
Wind energy has brought renewed attention to the transformation of submerged structures to productive artificial reefs. Researchers from the United Kingdom are keeping a keen eye on the manifold uses of offshore wind structures. Smyth et al. (2015) summarize the standing literature on adapted artificial reefs and promote a rigorous framework for adjudicating decommissioning protocols (through DSPIR analysis) for offshore wind energy structures. As opposed to retroactively compensating for the manifold damages of oil rig construction, use, and decommissioning, offshore wind entrepreneurs are concerned with the complete "Life-cycle management" of wind turbines, adjudicating the relative benefits of partial or complete removal. To that end, they concluded that the "environmental and economic benefits in partial as opposed to complete removal, especially if habitat created on the structures has conservation or commercial value, is higher." Furthermore, they considered the legal precedents and repercussions of both options through the 10-tenets of sustainable marine management (Elliot 2013).
To suggest artificial reef conversion for ocean energy and other types of alternative energy infrastructure is fresh air in a stagnating literature around artificial reefs. In the heyday of artificial reef policy development in the early 1980s, there was national attention on the political and ecological possibilities artificial reefs allowed more generally. The Rigs-to-Reef program was established in 1984 and expanded in future decades (see more here). Just as a more critical conversation around artificial reef literature was getting underway in the mid-80s, research was increasingly focused on policy development, not design efficiency or specific standards for specific ecologies. By 1990 artificial reefs had a national program but little further critical attention, and rig conversion was predominantly individually permitted depending on state regulation and case specifics.
Rigs of great size and complicated structure have their own specific benefits. Rigs provide protection for marine species, and can be used for rejuvenating of reef communities (Macreadie, 2011) or protecting post – recruitment fishery resources (Sayer and Baine, 2002). Near-shore rigs contribute significantly more protection than offshore rigs (Sayer and Baine, 2002), and offshore reefs provide a sheltering area for demersal fish, as well as foraging and consuming reef activities (Powers et al., 2003). This is especially the case given the habitat created by the armouring to protect the cabling and main structure (Wilson and Elliott, 2009).
Moreover, Powers et al., (2003) note that protection from fishing activity could significantly contribute to a regional system of marine reserves and play a large role determining level of fish production. Some scientists propose rigs-to-reef sites as de facto marine protected areas, due to their size, ease of defining boundaries relative to the structure, and their interruption of trawling activity (Jagerroos and Krause, 2016; Gonzales et al., 2005;Macready, 2011; Schroeder and Love, 2004). There are certainly specific ecological benefits to a national rigs-to-reefs program in terms of stock enhancement, MPA creation, and coral propagation.
However, many of the aforementioned environmental benefits of the Rigs-to-Reefs program are fundamentally connected with the extractive economic use of ocean resources. Rigs are, first and foremost, tools of oil extraction with varying degrees of direct connectivity to the ocean floor. Despite more mobile rig models like semi-submersibles proliferating across the Gulf, jackups and well caps create hard infrastructure vulnerable to storm damage and technological malfunctions. Secondarily, the use of R2R sites as either opening fishing grounds or marine protected areas can benefit the overall health and utilization of existing fish stocks. Most notably, the tendency for fish to congregate around rigs-to-reef structures improves the use of the fishery by commercial fishers, recreational fishers, and recreational divers. Commercial fishers that harvest from artificial reef systems often experience reduced Catch-per-unit-effort (CPUE), a measure of overall cost associated with harvesting fisheries resources (Cripps and Aabel, 2002). On the recreational side, sports fishers and divers that routinely use these artificial reefs stimulate the nearshore economy by chartering boats, guides, and gear. These are the primary beneficiaries that R2R promoters describe, forgetting the primary benefactors as a whole: the oil and gas industry.
R2R programs Costs saved from not completely decommissioning rigs are shared between the lessee and the governing entity. Under the current implementation of the Rigs-to-Reefs program, approximately $4 million is saved by oil companies that participate: At least $2 million of these savings go directly to the government. Between the stimulation of regional economies and the development of direct revenue streams for the governing entity, rigs-to-reefs policy supports the economic use of artificial reefs systems in an environmentally-conscious manner, but at the cost of an ever-expanding portfolio of oil use.
This logic is deeply compromised and pragmatic. Oil rig infrastructure skates across the Gulf floor like a hard rhizome and, increasingly, semi-submersible rigs are floating islands with their own social and professional standards; floating islands tied to the mainland through imagined (and sometimes possible) economic growth while really tethered, instead, to the seafloor. 71% of global emissions come from just 100 fossil fuel companies, the Guardian notes, doubly contributing to a changing climate and our changing seas. So isn't the Rigs-to-Reef program a band-aid on a larger, spurting wound? Can it be more? The most recent articles on energy infrastructure reef conversion, however, are part of a different energy future that that of oil and gas.


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Condominium Questionnaire On Non-Warrantable And Condotel Financing
Condominium Questionnaire On Non-Warrantable And Condotel Financing
This BLOG On Condominium Questionnaire On Non-Warrantable And Condotel Financing Was UPDATED On August 6, 2017
Non-Warrantable and Condotel Financing are a specialty niche mortgage product and is only offered by a few portfolio lenders. The Gustan Cho Team are experts in originating and funding Non-Warrantable and Condotel Mortgage Loans.
- Loan Officers at The Gustan Cho Team are experts in financing condotel loans and non-warrantable condominiums.
- We can help borrowers with purchase condotel loans and refinance condotel loans.
- There is a two step underwriting process with condotel loans.
- The first process is that the condo hotel project needs to be approved.
- It is a fairly quick and simply underwriting process.
- A one page condominium questionnaire needs to be completed by the HOA manager and submitted to our underwriter.
- The underwriter should come back with an approval within 24 hours.
- Cases where the underwriter denies the condo hotel project is when the condo hotel complex is under financial distress like a pending bankruptcy, bankruptcy, or massive foreclosures in the condo hotel complex.
- Other reasons condotel loans get denied is because the condo hotel complex has serious building code violation issues.
Two Phases Of Underwriting For Condotel Mortgage Loans
The second underwriting phase is the condotel unit loan borrower.
- Minimum credit scores required is 680 FICO credit scores.
- Debt to income ratios cannot exceed 43%.
- One year's reserves of principal, interest, taxes, insurance, and hoa dues are required for both the condotel unit and the condotel borrower's principal residence.
- Three months of those reserves need to be in cash and the balance can be in securities, IRA's, 401K, and other liquid investment accounts.
- A maximum of 75% loan to value is required on principal, second, and vacation home condotel loans.
- Maximum 80% loan to value on non-warrantable condominium loans for principal and second homes.
- 60% loan to value is required for investment condotel loans and non-warrantable condominium financing.
Completing The Condominium Questionnaire
Here is a typical condominium questionnaire that needs to be completed by the condo hotel homeowners association manager or representative.
- Condo Hotel Project Name
- Street Address
- City State Zip Code
- Facility Information
- Has control of the project been turned over to the H.O.A.? Yes or No
- Are the amenities complete? Yes or No
- Is all construction or phasing complete? Yes or No. If yes, date turned over.
- Are all common areas and recreational facilities associated with the entire project for the subject phase complete? Yes or No.
- If no, does the project have sufficient funds for completion? Yes or No
- Is the project a cooperative? Yes or No.
- Is the project a condominium hotel? Yes or No.
- Is the project a timeshare or segmented ownership project? Yes or No.
- Is the project a multi-dwelling unit condominium (in which ownership of multiple units is evidenced by a single deed and mortgage)? Yes or No.
- Does the condominium represent a legal but nonconforming use of the land (if zoning regulations prohibit rebuilding to current density in the event of deconstruction)? Yes or No.
- Is the project a conversion? Yes or No.
- If yes, is the conversion a gut rehabilitation (where the renovation has stripped the property to the shell and all HVAC and electrical components have been replaced)?
Property Information
If the builder is in control of the project, or the H.O.A. has been in control for less than a year, please submit the Declarations, Bylaws, Insurance Certificate and Budget and Appraisal with the completed condominium questionnaire.
- Is the project built on a leasehold estate? Yes or No.
- Total Number of Phases
- Total Number of Units
- Total Number of Units Rented (Investor)
- Total Number of Units Sold
- Total Number of Units for Sale
- Total Number of Owner-occupied Units (Principal Residences and Second Homes)
- Does any single entity own more than 10% of the total units in the entire project? Yes or No.
- Highest number of units owned by one entity
- Is any portion of the project designated for commercial use only?
- If yes, what percentage of the project?
- Property Use and Benefit Information:
- Does the project allow daily rentals?
- If yes, what percentage is available for daily rentals?
- Does the project contain a rental desk?
- Does the project participate in a mandatory rental pool?
- Does the project provide food service?
- Does the project provide daily Housekeeping?
- Does the project provide blackout dates restricting the owner's use?
- Is the project the subject of current litigation?
- Please provide a letter of explanation for any current litigation.
Property Financial Information
- What is the amount currently held in reserves for replacement or repair of major components?
- Total number of unit owners currently over 30 days past due with their monthly H.O.A. fees.
- Total dollar amount past due.
- Are the taxes for the individual units included in the H.O.A. fees?
- Projects in which the taxes are included in the H.O.A. fees are ineligible.
- H.O.A. Contact name and Phone Number.
Condotel Loans Have Quick Underwriting And Approval Process
Unlike conventional and FHA loans, Condotel loans have less red tape and have quick turnaround times since they are portfolio loans and do not have the intensive guidelines Fannie Mae and FHA loans do.
Non-Warrantable and Condotel Buyers who need to get more information on financing, please contact The Gustan Cho Team at 1-800-900-8569 or email us at firstname.lastname@example.com.