text:
January 8, 2014
by Courtney McGahhey Miller
Wilson & Associates, PLLC – USFN Member (Arkansas, Tennessee)
The Arkansas Home Loan Protection Act prohibits predatory lending in the home mortgage market and bars certain practices regarding high-cost home loans. A.C.A. §§ 23-53-101, et seq. The Arkansas Supreme Court recently relied upon a portion of the Act in evaluating a Columbia County circuit court's determination that a lender's actions were unconscionable and predatory. In Gulfco of Louisiana, Inc., D/B/A Tower Loan of Springhill, Louisiana v. Brantley, 2013 Ark. 367 (2013), the court reviewed the denial of Gulfco's request to foreclose on the Brantleys' home.
The Brantleys, who reside in Arkansas, obtained four loans from Gulfco in its Louisiana location over a two-year period, all with very high finance charges and annual interest rates ranging from 24.09 to 40.20 percent. The first loan was obtained to pay household bills that were about to become delinquent. The second loan was used to pay the first loan, a hospital bill, delinquent property taxes, and to purchase a logging truck. To secure the second note, the Brantleys executed a mortgage on their home. The third loan was used to pay arrears on the second loan and to pay household bills. The final loan was used to pay off the third loan and pay an arrearage on the mortgage.
Gulfco filed a notice of default and intention to sell in the circuit court, and planned to foreclose upon the Brantleys' home. The Brantleys filed a petition for preliminary injunction, asserting that the notes were unconscionable, as Gulfco took advantage of their lack of sophistication and induced them to mortgage their home with knowledge that they did not have stable, full-time employment.
On appeal, the Arkansas Supreme Court reviewed the standards regarding unconscionability. An act is unconscionable if it affronts the sense of justice, decency, and reasonableness. The court relied upon the totality of the circumstances surrounding the negotiation and execution of the mortgage. Consideration was given to the gross inequality of bargaining power between the parties, whether the Brantleys were aware of and comprehended the provisions at issue, and whether there was a belief by Gulfco that there was no reasonable probability the Brantleys would fully perform the contract.
Gulfco was aware that Mr. Brantley worked part-time for a moving company and Mrs. Brantley only earned $120 per week. Gulfco was also aware that the Brantleys fell behind on the first loan because work was slow and Mrs. Brantley became ill. Gulfco's loan agent called the Brantleys about the delinquency on the first loan and suggested that they take out a second loan.
The court then turned to the Arkansas Home Loan Protection Act. The Act prohibits lending without due regard to repayment. A creditor cannot make a high-cost home loan unless the creditor reasonably believes the obligors will be able to make the scheduled payments based upon a consideration of their current and expected income, current obligations, employment status, and financial resources other than the borrower's equity in the house that secures repayment. A.C.A. § 23-53-104(l). Any violation of the Act is an unconscionable or deceptive act or practice under the Arkansas Deceptive Trade Practices Act. A.C.A. § 23-53-106(a).
The Supreme Court determined that the evidence showed the Brantleys were not capable of making payments from the beginning. Subsequent loans were made to pay off prior notes or bring payments current. Despite their demonstrated inability to pay, Gulfco continued to loan the Brantleys money. Each loan, with high fees and interest rates, placed the Brantleys further in debt, to the point where default was practically inevitable. The court held that the circuit court did not err in refusing to enforce the mortgage, as doing so would contravene the public policy of Arkansas.
© Copyright 2014 USFN. All rights reserved.
January e-Update
This post has not been tagged.
11/6/2017New Federal Bankruptcy Rules Taking Effect 12/1/2017: Looking Ahead
11/6/2017Bankruptcy Case Law Highlights: A Look Back at 2017
The upcoming calendar is currently empty.
Click here to view past events and photos »


text: Rihanna graces the cover of September issue of the W Magazine. The photoshoot was taken in New York City last month. On the cover we can see Rihanna rocking a fierce nose piece and title: Bad Girl Rihanna. The World's Wildest Style Icon. We can't wait to see the photoshoot and read the interview!

subset: commoncrawl


text:
FLORENCE, SC (WBTW) – The Centers for Disease and Control reports autism affects 1 in 68 children in the United States, and costs families on average $6,000 a year.
More than 400 supporters, families and friends participated in Pacing for Pieces 5k and half marathon Saturday morning in Florence to raise awareness, including a group of three competing on three wheels.
Taylor, Maria and Kiley all are a part of Ainsley's Angels of America. They were all born with special needs but their condition doesn't stop them from doing what they love most.
Florence native Taylor Parrott was born premature and with cerebral palsy. He was also the first ride along athlete in the state for Ainsley's Angels.
"He really likes running and like to see me go out and run so I said would you like for me to push you and he said yes I sure would," said Chip Parrott.
Taylor and his two friends are united by autism, but held together by friendship.
"I haven't seen this many wheel chairs since I got involved," said Maria Meredith.
Meredith was born with a mitochondrial disorder that affects different parts of the body including her ears and eyes. But she didn't let that stop her from picking the color of her custom made racing chair.
"The yellow is for what I can see and the blue is for what I could see when I was younger," Meredith said.
A great cause to inspire other autistic children nearby.
"We know that there is a community out there, a lot of people with exceptional needs that would love to experience inclusion and to feel the wind in their face," mentioned Mike Warner, Coastal Ambassador for Ainsley's Angels.
Pacing for Pieces was inspired by Amy Pennington, treasurer of the Autism Advocacy Group of Florence, and her husband, John, who are increasing autism awareness in Florence.
Last year organizers say the race brought in a little over $20,000. This year they expect that number to be even greater.
Organizers say they will continue to host the race each year to raise enough funds to build a resource center in Florence in the next three year for families who have children with autism.
The money is also planned to go toward supplying Florence with job coaches for older ASD children and adding a therapy called talking turns. Talking turns focuses on socialization for ASD children; it teaches how to carry a conversation, communicate with parents and peers, and to take turns.


text:
The sailing community is a wonderful thing, when I reached out to Sean after over two years of having no contact I knew I was giving him an extra job. Sean has a full time job on top of running Sail Havasu which is a second full time job on its own. Without missing a single beat he immediately jumped on board to help me pass the potato so to peak. He put out the call Full N By and within days the potato was on its way to Washington. That's the type of guy Sean is. His contribution to the sailing community has been no small one, he has impacted thousands of sailors lives and continues to do so asking for nothing in return. Below is a post taken from his blog. If anyone deserves support in our little sailing community Sean's cause is at the top.
Let me make this as easy as possible, click here, scroll down to find Sean Mulligan and please donate, every buck will make a difference 🙂
The next adventure is set…Asking for your help
I really like to have an adventure, a challenge, on the horizon. Something to plan and prepare for. Last summer 'Jo and I once again joined our buddy Larry Yake and his band of Montgomery Pirates for another incredible tour through the San Juan Islands of Washington and the Gulf Islands in British Columbia. We have taken "Dauntless" on this trip 3 times now. It's 1503 miles from our driveway to the slings at Cap Sante Marina in Anacortes, Wa (the rendezvous, and "put in" point). We enjoyed every mile knowing the eventual excitement that the three 500 mile days of laborious towing were going to provide us with. Journey's like this make memories of a lifetime and develop incredible friendships. Most of the folks on the trip were multi-year participants, making the two solid weeks on the water and nearly 200 miles of cruising as much of a reunion as a sailing trip. Days are spent sailing and exploring new locations and evenings dockside with folks that all share in the special feeling a trip like this produces. As you all know, it's very difficult to share with friends and family that don't sail, how special it is, what it's like, or how it really makes you feel. If you "don't do it" you "don't get it". Having a group of friends along who share the same experiences of weather, wind, water, and simply the complete escape and joy that comes with Pocket Cruising , for me , makes the experience infinitely better.
This has been the year of something new for me. As anyone that reads this blog knows, I have been concentrating as of late on sailing a Micro Cruiser. "Scout" came into my life last Feb as a my curiosity about this "micro-thing" peaked. Small Craft Advisor Magazine,Watertribe – The Everglades Challenge, The Texas 200, Florida 120, and numerous other publicized micro-cruiser articles got me thinking that possibly these guys were onto something. Watching every video online that I could find about micros further spiked my desire to check them out. One designer that really got my attention was Matt Layden, and another couple that sails his boats,Dave and Mindy Bolduc who sail many of his designs, also had me dreaming of a micro of my own. Through a chance set of circumstances I had the opportunity to purchase a Layden designed Paradox from Lezlie Henson who had done a great job at building one. I jumped on it, and now "Scout" sits 20 feet from where I am typing , snug and protected in my garage.
The last 4 or 5 months has been full of sailing Scout in varying conditions getting to know her and allowing us to build out trust in one another. It has been an extremely positive experience for me. And so….it is time…..another adventure is on the horizon.
Kim Apel , a past participant in the Texas 200 wrote an article called A Californian Does the Texas 200 after participating in 2009. This is his description of the event…
….the Texas 200 projects a uniquely Texas character. It's come-as-you-are, no fees, no rules, no prestige, rough-and-tumble, barren, primitive, muddy, salt-caked, hot-and-sweaty, anything-goes, you're-on-your-own, survival-of-the-fittest, no-time-to-eat, falling-down-tired, cowboy-sailing. It's rodeo on the water, minus the spectators. "Toto, I think we're not in Kansas California anymore."….
For whatever reason I was really attracted to testing myself and trying this event out. I was thinking "one of these days….I'm doing this" and then….something happened that made me know this upcoming T-200 would be the year.
A number of guys have done this incredible trip in the most diminutive and basic sailing vessels you could ever imagine. The original design was called a Puddle Duck Race (PDR). If you are not into micro's and know nothing about PDR's , don't be fooled by the name.There is not much "racey" about a PDR. The design came about as a way to be able to build a small micro, simply, easily and cheaply. There is somewhat "cultish" following of these little boats and varying modifications and design changes have led to a multitude of models out there. They are basically a box shaped plywood hull with some sort of sail. High performance they are not, but they have proven themselves on adventures such as past T-200′s. Make no mistake….anyone sailing such a basic boat on such an adventure is going to have his/her hands full. Low hull speeds make for LONG days on the water to cover the necessary miles. Sailing a PDR in a 200 mile race is not for the faint of heart. Nevertheless, a hearty group of sailors have and continue to do it. The PDR and its offshoots have endeared themselves into the hearts of many of these adventurous souls.
This year's running of the T-200 has an extra twist…. a cause. Having had their lives touched by loved ones and friends battling cancer, the "Duck Gang" (led by a fellow named Chuck Pierce) decided to honor them in this year's event. Chuck has a duck and decided that he would carry the names of those that are battling or are cancer survivors on one side of his duck in honor of them, and on the other side he would carry the names of those that we have lost to the disease in memory of them. Along with this he has setup a "Livestrong Foundation" donation page, to help raise funds to support all those affected by cancer.
He has posted some pictures of his boat which he has taken around to different events and allowed people to add the name of their loved ones onto it. All these folks will join Chuck and the the "duck gang" in spirit along the rough an tumble 200 mile trek of the T-200. Once Chuck showed what he was doing to his boat, others joined. I read about this…and it touched me dearly. What an incredible gesture. Here this guy spent all this time building his boat, and painting it up to look nice…and then….he hands a Sharpie marker to anyone that wants to add the name of their loved one so that they can become part of the journey.
My own life has been touched in the recent year by numerous close sailing friends that have been stricken with cancer and who have had to do battle with it. I am fortunate that both of them are fighters , one in the fight, and the other just finished with Chemo and Radiation. When I heard of Chuck's idea I wrote him and asked if there was any way I could bring some West Coast names and funding into the mix. I don't sail a duck, but I do have the Paradox. The response was awesome. As Scout is under 14′ in length, Chuck and the gang have bestowed on "Scout" Honorary DUCK Status. And so this journey takes on a new meaning for me.
I plan to follow the lead duck and get in line. I setup my "Texas 200 Livestrong Foundation Page" this week and yes, it's time to get out the Sharpies. Is it defacing the boat? No way. It will be my honor to do this trip, taking all those that wish to ride along with me. Like Chuck, one side of Scout will be the "In Memory of" side of the boat to remember those that we have lost, and the other side "In Honor of" to honor those fighting the fight and those that have survived it. I am hoping that anyone that appreciates the idea will contribute directly to the funding page . The Foundation serves people affected by cancer and empowers them to take action against this disease that is now the world's leading cause of death. The money I raise will go to support programs and services for cancer survivors. Between now and June (when the event happens) I plan to travel with Scout in tow to some different locations in Ca/AZ/NV to make her available for names to be added. If you have a loved one's name you would like added but the distance is too far for us to meet up..no worries, let me know and we will add it for you.
In June we will all meet in Port Mansfield Texas, on the Gulf of Mexico,and then head north for five days and about 200 miles along the Intracoastal Waterway (ICW) to Magnolia Beach Texas. I will carry a SPOT tracker so you can follow along on the trip as it happens.
I expect this to be tough trip, a rough trip, a hot trip, and ….one of the coolest things I have ever done. Thanks to Chuck and the gang for allowing me to be a part of it.
If you or someone you know is diagnosed, these resources will help face the challenges of cancer, head on, and live life on your own terms. LIVESTRONG.org/GetHelp
I am asking you to help me make a meaningful contribution to this worthy cause. Thank you.
"Even the smallest act of caring for another person is like a drop of water -it will make ripples throughout the entire pond…"
― Jessy and Bryan Matteo


text:
Build Guide by Uikutoru
Not Updated For Current Season
This guide has not yet been updated for the current season. Please keep this in mind while reading. You can see the most recently updated guides on the browse guides page.
Thank You!
Your votes and comments encourage our guide authors to continue
creating helpful guides for the League of Legends community.
Rammus Build
Ability Sequence
How to be a pro team on dominion
Hello there,
Welcome to our wonderful Dominion teamguide!
You may either choose a single champion and copy either build or put them altogether for a fantastic experience.
Even though we're still in a number-crunching phase about wich would work best,
these builds can be used quite effectively in capturing aswell as being hard-to-knock-down.
First something about Rammus because he's an amazing Dominion champ.
With boots of mobility + his roll he'll be most likely the first to capture the Windmill.
And besides being an amazing explorer/conquester his Taunt+ulti will surely focus any squishy enemy champ down in no time. Resulting in being an excellent defender aswell.
In our experience Rammus is the best capture-and-gtfo champ in Dominion and this would be his primary role though.
As our second we have pantheon. Pantheon is an amazing anti-mage/-carry champion with an extraordinary succesful ulti wich,
thanks to the latest buff, can be used to defend points from afar.
And we don't even have to mention his tankish yet strong AD talents.
You might have noticed that we went for the CD boots on pantheon, instead of normal bers greaves/boots of swiftness.
This is because we believe his ultimate is too highly effective to ignore.
One small point of suggestion though: If you don't wish to capture points but instead either tank or be an anti-carry use the defensive masteries instead and replace the Priscilla's Blessing with a more damaging item.
Pantheon's primary role is to be everywhere where he's needed.
Making him a very versatile champion.
Sion.. Who doesn't love zombies carrying giant weapons around? Exactly, we all do!
Anyway, this time Sion isn't melee oriented but AP! How much fun is that?
First of all; Sion has a really cool "W" wich gives him a shield wich can be used to explode in your enemies face while protecting you.
Besides that, you have a powerful stun-nuke and lifesteal.
Oh and you're quite tankish and pretty hard to take down.
Sion's primary role is to tank while bursting damage in the enemies face.
Fourth, but certainly not less important, comes Tryndamere.
Every (non-)tryndamere player knows how incredeibly annoying his ulti is.
And how effective it is to kill players under their toweres whereas they deem themselves "safe".
The masteries/items really speak for themself and tryndamere's role is easy yet very satisfying: "Relieving those towercampers from their illusion of safety".
Making Tryndamere a high-value clean and sweep guy.
This clown laughs when you try and gank him, he'll stealth away.
Not to mention his high damaging AP nuke attacks and those damned Jack in the Boxes.
Place a few Jack in the boxes around the speed buffs and laugh how their boost go to waste.
Shaco's primary role is Sabotage.
Screenshots/Videos (soon to be added!):
Usual Rammus scores:


text:
Album Rating: 2.0I mean I figured but I'm asking legitimately. Is it weird that I treat non-entities like people sometimes by asking them legit question?
Album Rating: 2.0It's very different.
Yesterday, I was listening to Foothill College Radio while driving to Stanford and the first song I heard was "Baiting the Public," which just made me say, man, Fucked Up used to be good. It was fast, fun, original without trying to do anything overly artistic. It was effortlessly awesome.
Album Rating: 3.5hahahaha 8.8 rating. That's all I will say, you should be able to figure it out.
^lol. just saw that on pitchfork too.
id like to see another sputnikmusic member opinion on this too. or maybe i should just listen myself.
Album Rating: 3.5lawl they think its all like epic and shit.
shitThis Message Edited On 10.16.08
Album Rating: 2.0Again, pitchfork manages to frustrate, not just because of the rating or because it sounds like the reviewer has never listened to a
hardcore album before, or any of Fucked Up's previous releases for that matter, but more for the paragraphs of talk
about the lyrics and mindset of the band, while only dabbling in the musical content. Here's the editing room version of the
musical discussion:
-There are lots of overdubs
-The flutes and shit make the most memorable moments
-"Black Albino Bones" is catchy
Thanks p4k.This Message Edited On 10.16.08
Album Rating: 3.5looking back at this album now, after reading that review... this album is a classic.
Album Rating: 2.0lol
Album Rating: 3.5last two posts brought the lulz
Album Rating: 3.5thats actually extremely bad ass.
i saw moby on that "american hardcore" documentary. i doubted his hardcoreness.
every good boy has some great punk memories
Album Rating: 2.0Ya don't forget Moby was the singer for Flipper for one night.
Album Rating: 3.5oh yah, my bad.
i see nick's avatar, i think facial
edit: as much as i can disagree with you opinions nick, i can't take away from how awesome (by awesome i mean substantially bringing positive attention to sputnik bc of your intelligent/original perspectives) this review is. kudos.
The only thing that saves the album is its dedication to its cause. It is a relentless and unapologetic album.
Album Rating: 3.5no, nick is missing the point that pitchfork sees.
This disc is not about the music contained on it, but really just about the image of the music that is meant to be portrayed. Its really perfect.
Album Rating: 3.5THIS SHIT IS MASSIVE
enjoyed this
Album Rating: 4.0right so, as usual you've decided you don't like this before listening to it because its "hyped" completely missed the point and put words and opinions into the mouths of the band that simply aren't true.
You've missed the point, comparing this to Refused is utterly insane, and get off your high fucking horse already
Album Rating: 3.5You can't say that to him. Do you know who you're talking to?
punk ass. just because he understands things better than you doesn't mean you gotta get all un pacified like.
I don't see the comparison to Refused either, other than an attempt at this album being some larger than what it currently is. But its his opinion, so what's it matter? Write your own review then.
I enjoyed this. Would probably give it a 3.5.
Bands: A B C D E F G H I J K L M N O P Q R S T U V W X Y Z


text: Go to mainland Mexico, get very barelled. It's a magic formula that surfers have been using for years. And judging by Ale Moreda's lastest edit above, it's still working like a charm. Watch Moreda glide through a couple tunnels in the land of the green white and red and enjoy.


text:
easy card trick free magic app
by: H2Play • 211
All Android applications categories
by: H2Play • 211
There's nothing quite like seeing the look on people's faces when you perform something AMAZING.
Then, there's that cute girl or guy that you've been trying to meet. With ezCardTrick, you've got the perfect way to break the ice and get their attention.
Imagine . . .
You ask her to touch card what she want. Only She can see the screen you can't see. she select Club 4 (Remember you never see screen)
After a deep look into her eyes, you say what she select. you never seen screen.
She will be amazing that you had correctly predicted "Club 4" !!
This is just one example of the infinite mentalism effects that you will do.
ezCardTrick is a revolutionary performance tool for dazzling friends, colleagues and even clients. Capture attention or draw a crowd at parties, events or trade shows. Everyone will want to know, "HOW did you do that?!"
You don't need skill.
You don't need much training time.
It is easy! and interesting~
from 211 reviews
Download easy card trick free magic app
Free - 2.3 - 13M
Share this app


text:
Spring Vintage Jewelry for Mother's Day The famous gold-plated clamper bracelet by Coro made in 1939. Dubbed the Carmen Miranda, this large openwork bracelet features large rhinestone camellias and daises with glass cabachon centers in red, blue and green. Rhinestone pave petals surround the cabochon centers with green enameled...Read More
Big Bang – Small Bucks Jewelry. You see them piled up at estate sales and garage sales, unloved and unwanted. But before you walk away take a good look. These little pieces of jewelry pack a big design punch for the money. These are cluster bead earrings. With seemingly an unlimited amount of variations, these clip earrings from the late 50s and early...Read More
Madge just keeps on keeping on during National Blog Posting Month. Judith McCann Wingback earrings The Story of Judith McCann and Wingback Earrings Throughout the centuries earring design concentrated on fashion, not comfort. From the primitive stick-through-the-ear beginnings to those pinching screw-backs of the 20th century, women were at the mercy of the...Read More
Vintage Jewelry by Kramer It's the start of week two in Madge's quest to write a blog post every day in November for National Blog Posting Month. Check out the official site on BlogHer, and then come back often to see how Madge is doing. Vintage Jewelry by Kramer When someone mentions vintage costume jewelry, probably what comes to mind...Read More
Kenneth Jay Lane – Fabulous Faker Madge is participating in National Blog Posting Month (NaBloPoMo). She is going to attempt to write a blog post every day this month! NaBloPoMo was started in 2006 by Eden Kennedy, as a response to NaNoWriMo (National Novel Writing Month). Check out the official site on BlogHer, then come back daily to see how Madge is...Read More


text:
TORONTO (Reuters) - Royal Bank of Canada is comfortable with its U.S. loan portfolio and committed to its pending acquisition of Alabama National BanCorp, bank executives said on Friday, after the slumping U.S. housing market dented Royal's fourth-quarter profit.
"We are very positive on the Alabama National acquisition," Chief Executive Gord Nixon said on a conference call, referring to the US$1.6 billion deal that is expected to close in early 2008.
Royal Bank's plans for its U.S. retail business over the next year include integrating Alabama National and managing "the real estate issues" as best it can, Nixon said.
"We think we'll come out of that with a good platform and a good asset base."
The deteriorating U.S. housing market hurt fourth quarter profit, as Royal took higher U.S. provisions for credit losses and recorded a C$160 million writedown on securities related to the U.S. subprime mortgage market.
Royal, Canada's largest bank, said overall profit rose 5 percent to C$1.32 billion ($1.32 billion) in the three months ended October 31, or C$1.01 a share.
That was up from C$1.26 billion, or 96 Canadian cents a share, in the same 2006 period, but marked a slowdown from double-digit profit growth earlier in the year.
Fourth-quarter profit slid 73 percent in Royal's U.S. and international banking segment, to C$21 million, as loan loss provisions jumped to C$72 million from C$5 million a year earlier. That was almost entirely due to the residential builder finance business of its RBC Centura unit in the U.S. Southeast.
Credit problems in this portfolio are primarily contained to Georgia and California, Royal Bank's chief risk officer, Morten Friis, said on the conference call.
The bank stressed that its builder loans makes up less than 20 percent of RBC Centura's loan portfolio.
"Higher provision levels are probable given the expected weakness within the residential and commercial real estate markets in the U.S. Southeast," Credit Suisse analyst Jim Bantis said in a research note.
Royal Bank also said that economic growth looks set to slow next year, and trimmed its 2008 "objective" for overall earnings per share growth to between 7 percent and 10 percent.
In 2007, the bank's actual increase in EPS was 17 percent, far outpacing its goal of more than 10 percent.
Full-year profit rose 16 percent to a record C$5.5 billion.
Nixon said domestic banking should remain strong next year.
"I wouldn't overemphasize the word slowdown, I think it's still going to continue to be a reasonably good market," Nixon said, noting that unemployment rates remain low and real estate inflation hasn't been as severe as in other countries.
Fourth-quarter profit in Royal's core Canadian banking and insurance operations climbed 5 percent to C$709 million, excluding a Visa restructuring gain and other items.
Its wealth management unit saw quarterly profit increase 10 percent to C$180 million.
But capital markets profit fell 38 percent to C$186 million on the U.S. subprime mortgage-related writedowns.
For 2008, the bank kept most of its 2007 objectives. It aims to earn more than a 20 percent return on equity, and to pay out 40 percent to 50 percent of profit as dividends.
In the year just ended, return on equity was 24.6 percent and the dividend payout ratio was 43 percent.
Shares of Royal Bank fell 1.2 percent on the Toronto Stock Exchange, closing down 67 Canadian cents at C$53 a share.
The stock is down 5 percent this year, underperforming competitors Bank of Nova Scotia and Toronto-Dominion Bank.
($1=$1 Canadian)
Additional reporting by Jonathan Spicer; editing by Rob Wilson


text:
Easy www.DistinctPersonalGifts.com Suggestions To Use Coupons And Cut Costs
Should you be in debt, battling with your funds, or maybe planning to save your hard earned cash, you will be wise to contemplate using coupons. Many people underestimate simply how much money might be saved using the intelligent consumption of coupons. The coupon advice and tips in this post will save you a great deal of cash. Please read on for more information.
Just use coupons for products which you are going to actually use. You won't save any cash by purchasing things that your family members does not need or brands that you simply don't like even though you will have a coupon. Getting rid of coupons for stuff you don't use also costs you time, that could be better spent.
Should you be into couponing, then chances are you get some family and friends that are not too, in order to save a lot more money, ask them for spare coupons. Often, companies mail out great high-value coupons or include them in inserts within the local newspaper. Ask family and friends to put them aside to suit your needs should they won't be utilizing them.
Organize your coupons in a manner that is a good idea to you. Maybe you would like to keep every one of the coupons for baby things together, and you would like to keep each of the food coupons together. You might even opt to sort them by brand. Nevertheless, you organize them, be sure you can remember what you've done.
Request every one of the free sample offers you will find. Not only will http://distinctpersonalgifts.com you have the free sample within the mail, but quite often you'll obtain a coupon for that item as well. Coupons which come with free samples are generally higher value than others, so you'll have a great sample and a whole lot!
Find reliable coupon websites. There are a lot of options available, but lots of sites do not update their coupons or provide all the ones available. That can waste your time and efforts and wind up costing your cash. Be sure that the sites you visit update regularly and give you suitable information.
Go on and have the Sunday paper to help you find all of the coupons and discounts that happen to be with them. It will save you lots of money buy paying a few bucks to buy the Sunday paper for each of the coupons which can be inside of it that offer you good deals.
To find out about coupons you possibly will not otherwise read about, be friendly with the store cashiers. They see coupons of all sorts for many hours per day. Chat them up a bit, and you might just get some good recommendations on coupon tricks specifically useful to the shops which they work at.
Organization can cut couponing efforts by 50 %. Some shoppers organize their coupons according to the layout with their favorite store. There are numerous other ways to set up your coupons including by expiration date or by your store's layout. Whatever approach to organization you use, it helps you significantly.
If you like a product or service, look about the package to see if you have a 1-800 number you are kansas pdh engineer courses able to call. Often these numbers can be used as complaints, however you can call them and so they might provide you with coupons. If you wish to search on Facebook as well, a lot of companies offer coupons for Facebook subscribers only.
Attempt to stack your coupons. Sometimes stores will allow you to use both a manufacturer's coupon and a store coupon for one item. Professional couponers find that this often results in things that cost only pennies, or are in times even free. Always ask when you can stack coupons when you find yourself on the checkout stand to save the most money.
Do you possess a couple of of the same coupon? You can usually use more than one coupon concurrently. Just be certain you follow the rules on the coupon and purchase the volume of item that your coupons are for. As an example, in case you have four coupons for starters item, you can purchase four items.
Make sure you use the coupons you may have in conjunction with a store which has good sales. Examine the store's weekly flyer before heading there. No matter what coupons you make use of, in case the store does not have good sales, you happen to be not getting the best bargain possible. If one store lacks good sales, check another store.
As was stated earlier, if you are looking to save cash among the finest things that can be done yourself is to start using coupons. Although saving a great deal of money with the use of coupons is not easy, by simply following the guidelines you've read in this article you can do it! Get going today.


text:
Travis Lewis has been one of the biggest surprises of the young season for Brent Venables and the Oklahoma defense. A former high school running back, Lewis has made a smooth transition to linebac...
Premium Content
Subscribe today to read the full article and get everything Rivals has to offer.
- Member-only message boards
- Exclusive highlights and recruiting interviews
- Exclusive coverage of Rivals Camp Series
- Breaking recruiting news


text:
Claim and Counterclaim . Persuasive/Argumentative Writing . November 4 th. Write the definition: A counter-argument is an argument opposed to your thesis, or part of your thesis. It expresses the view of a person who disagrees with your position. November 4 th.
Download Policy: Content on the Website is provided to you AS IS for your information and personal use and may not be sold / licensed / shared on other websites without getting consent from its author.While downloading, if for some reason you are not able to download a presentation, the publisher may have deleted the file from their server.
Persuasive/Argumentative Writing


text:
The EJ Ajax Winter/Spring 2016 newsletter is now available. This issue features a profile of EJ Ajax customer D.A. Distribution, plus our most recent award, event news, an exciting announcement about new measurement technology, and a message from Erick Ajax. Download Newsletter PDF
EJ Ajax Video: Perfect Parts With The FAROArm Edge
EJ Ajax installed a new FAROArm Edge coordinate measuring machine and produced a new video to demonstrate the features and benefits of this amazing new device. The FaroArm is a portable coordinate measuring machine (CMM) that enables EJ Ajax quality technicians to perform 3D inspections, tool c1ertifications, CAD comparisons, PPAP inspections, dimensional analysis, reverse engineering, and more. The all-new FAROArm Edge is the most advanced, state-of-the-art CMM ever produced by FARO.
Erick Ajax Receives 2016 Skills Champion Award
Erick Ajax, Co-Owner of EJ Ajax and Sons, received the National Skills Coalition 2016 Skills Champion Award for his outstanding work to ensure our country's policymakers invest, aggressively and effectively, in the skills of America's workers. Erick has worked with National Skills Coalition as an employer partner for a decade, serving on the original NSC Leadership Council. He is a founding member of Business Leaders United and currently serves on its Executive […]


text:
He said: "The whole world is now a global village. Part of the north had already established themselves not only in our present day Nigeria but throughout the world whereby they set up what they called Hausa BBC linguistic dissemination of information. Everything is said in Hausa whereby people from our area, from the Biafran area do not even understand what is being disseminated.
"We feel that we are equally entitled to that. But to tell us that the name Biafra be expunged from the lexicon of Nigeria while it remains in the lexicon of the world, we will not agree because that is denying us of our fundamental human right. We have a right to answer whatever name we feel is indigenous to us . Nigeria is not indigenous to us.
"Let Buhari say that as far as he is concerned you can answer any name, not telling us that those who don't want to be in Nigeria should leave. If he can carve out the land and tell us where to carry it to, then we will follow that request but we are saying we have a lot of ties with our neighbours occupying the territory called Nigeria. We want to maintain those ties but we want to answer the name we want.
"Kanu is being held because of Radio Biafra but nobody is holding somebody for BBC Hausa service, nobody. Is that not double- standard?
"If we wanted to pull out, we wouldn't be allowing our people to invest so much all over Nigeria but people who want to push us out want to eliminate us and claim the heritage we have sown to make Nigeria what it is today . So, hear it loud and clear, it is not in our agenda to pull out . If people want to pull out, will they be going to court? Denying us judicial succour means they have another agenda on how to eliminate us. What makes a man independent is his identity."


text:
Added to Cart
Nikon AF-S DX NIKKOR 35mm F1.8G Lens
Add to Wishlist
Nikon AF-S DX NIKKOR 35mm F1.8G Lens
12 Month Warranty!
+ Delivery
Leaves warehouse in 1-2 business days
See delivery information
See delivery information
Limit of 4 per customer
Nikon AF-S 35mm F1.8G Standard Lens
This compact and lightweight lens provides excellent value for money if you are looking for a sharp, high quality 35mm lens.
Fast Aperture
Take beautiful pictures in any lighting environment with the fast aperture of f/1.8. Acheive highly sought-after background blur effects at the lens' wider aperture settings.
Whisper Quiet Autofocus
Nikon includes the Silent Wave Motor to drive the auto-focus functions, keeping operating noise minimal.
This Product is offered and supplied by Kogan HK Limited pursuant to the Terms and Conditions.
Related CategoriesCameras & Drones - Action Camera AccessoriesCameras & Drones - Action CamerasCameras & Drones - BatteriesCameras & Drones - Battery GripsCameras & Drones - Camera FlashesCameras & Drones - Compact Digital CamerasCameras & Drones - DSLR CamerasCameras & Drones - LensesCameras & Drones - Lens FiltersCameras & Drones - Lens HoodsCameras & Drones - Screen Protectors


text:
A wonderful organization with astounding people that wholeheartedly sacrifice the essentials of their lives in saving Big cats in our world. I can sum up the greatness of this organization in one word-Awesome. they do their very best in preventing our Big Cats from being wiped out permanently from the face of our planet.
Panthera not only funds my research, but its staff has also been of constant support, from helping me organise the logistical aspects of my project to offering advice on scientific approach.
Panthera puts its resources into the research and conservation of wild cats all over the world and their public presence has also helped with extensive awareness-raising. Their focus on protecting not just the cats but also their ecosystems means that a whole range of species and habitats benefit from Panthera's work. Their projects produce tangible results and all funds donated to this organisation go straight to the work in the field.
I have worked with many nonprofits but my experience with Panthera really stands out. Their staff is incredibly dedicated, creative and passionate about saving big cats. I interact mainly with the Managing Director, Web and Communications Coordinator and the Fundraising Director. Each of these women have impressed me with their creative and inventive ideas, ability to work as a cohesive team, commitment to fulfilling the organization's mission, and commitment to being responsible stewards of their donor's contributions.
Panthera's team is very passionate about their cause and has made significant efforts to effectively help conserve the world's wildcats. In developing this video project, Panthera has played a hands-on role, providing scientific and creative advice. The Managing Director took great care of the product we were producing. She made us feel like we were part of a team developing not just a video, but helping to convey the wider message about protecting our rainforests.


text:
Discography is a medical procedure that involves injecting a dye into the jellylike center of a spinal disc to help diagnose back problems.
During discography, a doctor looks at the amount of pressure needed to inject the dye into the disc, whether it causes pain that is the same as your regular pain, how much dye is used, and how the dye appears on X-ray after it is inside the disc.
Most people have changes to their spinal discs as they age, but these changes usually do not cause any symptoms.
Discography has been largely replaced by simpler and more effective methods for basic testing. It is sometimes still used in hard-to-diagnose cases or before surgery. Discography may increase the risk of having disc problems.1 Most experts no longer recommend it.2 If your doctor recommends discography, experts recommend getting a second opinion before having this test.


text:
Germany may have beat Italy on penalties in the Euro 2016 quarter-finals but Mesut Ozil will want to forget about his spot kick.
The Arsenal star has now missed his last two penalties for Germany in Euro 2016.
We took a look at how Arsenal fans reacted on social media to the Germany international of Turkish origin missing yet another spot kick.
Well here it is in all its glory…
Ozil's goal and penalty miss against Italy pic.twitter.com/UKkYplWbvx
— ArsenalArena (@ArsenalArena) July 2, 2016
Ozil has now missed four of his last five penalties in all competitions and some even predicted he would miss from the spot kick before the game.
Ozil will miss his penalty and people will pretend like he hasn't been the best player on the pitch all night.
— Mark (@_The12thMan) July 2, 2016
General mood…
Some took a different angle on Ozil missing claiming that he was actually assisting Germany in the win by causing a butterfly effect type chain reaction which somehow resulted in his teams favour.
Ozil assisted the winning penalty by missing his. 🔙🔛🔝🔜
— Tim (@CookPassTim) July 2, 2016
Others claimed Ozil was actually just profiling the goalkeeper with an assist.
Ozil does not miss penalties
He is just assisting the goalkeeper not to concede a goal
— Emmanuel Nwachukwu (@emma_dele) July 3, 2016
And others claimed Ozil was just trying to do the right thing during the hold month of Ramadan by not hurting the goalkeepers feelings.
Ozil cant score penalties. Its Haram to hurt someones feelings.
— Assist Wizard (@ArsenalsCannon) July 2, 2016
To be fair Ozil should probably give taking penalties a miss.
HECTOR WINS IT FOR GERMANY! Worst penalty shootout ever. Ozil should never take pens for Arsenal hahaha
— MGH (@OfficialMgh) July 2, 2016
Low blow! Shots fired at Lionel Messi who quit international football after his penalty shoot out miss.
just heard Thomas Muller, Bastian, Darmian and Ozil did not announce retirement after missing the penalty. hard guys
— Kwame Idan Raul (@Kwameidan) July 3, 2016
What does that say about the Premier League?
Quite amusing that all 4 Premier League-based players who took penalties last night Ozil, Schweinsteiger, Pelle & Darmian all missed
— Ian Abrahams (Moose) (@BroadcastMoose) July 3, 2016


text:
The Mudgee Farm Walks focus on the grass roots level of production, where participants meet the farmers and learn exactly how the produce is grown. There is often the chance to pick your own and taste the delicious produce in its freshest state. Two farms are visited on the third Sunday of the month, and the Farm Walk for March 19th will have the best of both worlds. We visit an urban permaculture farm right here in Mudgee, and then pop out to Pipeclay Lane to check out the kitchen gardens and vineyard at Robert Stein's Winery and Vineyard.
Click here for more details on the two farms, and how to book your ticket.


text: My thirteen year old boy really enjoyed the teen club, as he was the youngest, it was a thrill for him to be hanging around older teens. He enjoyed meeting people from different countries and the leaders were great. He did get a bit bored sometimes so he just went back to his cabin to watch a movie, or played cards with us. He is not big in to participating in games unfortunately but if your kids are, there is loads of touraments. There was different video games and the Wii in the teen club, table tennis etc, he went to all the shows, but he preferred comic city, he watches too much american tv, so he was able to understand their jokes unlike a lot of europeans. Unfortunately, as one of your children is 10, they will be in different clubs, they are extremely strict regarding the age criterior. We did notice a few kids participate in the shows and they were brillant. So it is up to the children really, if they pariticipate in all that is going on, they'll have a great time. Out kids loved it, they met loads of great friends. If they are shy, someone suggested that they dont join the club in the first couple of days, better to wait until it settles as it can be a bit crazy in the first day but it soon settles. Best of luck, hope you all have a great time.


text:
Ashlynn Brooke and Her Friend Tiffany in a Hotel Foursome - PornHub
Watch Ashlynn Brooke My Plaything on Redtube, home of free Big Tits porn videos starring Ashlynn Brooke. Zara Spooks, and even the smaller Strike King Sexy Dawg, will all get the job done. Ashlynn Brooke Free Porn Pics - Pichunter. When I arrived at the pool, from fucking Kerry and Lainy, Crush and the girls were in the pool laying. YouPorn is Ugly lesbian mature fucks cute girl Sexy girl owned in fantasy hentai movie.
Hers are so What a hot thing 29 years old blond American porn model Ashlynn Brooke is! Watch Ashlynn Brooke doing it on Redtube, home of free Facials porn videos starring Ashlynn Brooke. Ashlynn Brooke Tube Search (1903 videos) - NudeVista.
While grabbing loads of attention, Rose lets the sun kiss her skin on a Hawaiian beach. XVIDEOS Strap on babes deep and painful toy sex with tight pussies stretched wide free. Watch Ashlynn Brooke porn videos for free on SpankBang - 1786 movies and sexy clips.
Watch the Most Relevant raunchy ebony pussy Porn GIFs right here for free on Pornhub. We have ton of You will love the dirty assortment of treats available at our kinky Free Lesbian Teen Porn Tube! Watch Ashlynn Brooke gets filled up on Redtube, home of free Blowjob porn videos starring Ashlynn Brooke.


text:
Can someone point me in the right direction to get the B3 Promash recipes? I did a re-image recently and lost all my promash recipes.
Thank you.
Note: This forum is provided courtesy of Morebeer.com, but is not an official support site. Please contact More Beer by phone (925-671-4958) or email (email@example.com) for your support needs.
Moderator: Moderator Team
Return to Favorite Beer Recipes & Styles
Users browsing this forum: No registered users and 2 guests


text:
payment gateway
luxury beauty brand
Utilizing modern watch technology, and combining it with unique styles and functions, Seiko watches continue to broaden the horizons of timekeeping. Featuring Black Ion Finish with gold tone accents on the case and bracelet and black dial this Seiko Perpetual Calendar watch automatically adjusts for odd and even months including February of leap years. 100 meters water resistant.
Seiko Men's Prepetual Calendar Stainless Steel Watch A distinct design that will showcase your unique style! Wear resistant black TiCN (ceramic) coated stainless steel forms the case. Hardlex crystal shields the black dial characterized with a date window at 3:00, gold-tone LumiBrite hands and index markers at all remaining hour positions. Generating enticement is the Perpetual calender that once set, will automatically adjust for odd and even months including February of leap years up to February 28, 2031. The timepiece also features a battery life indicator that indicates when battery life is low when the seconds hand starts moving at two-second intervals. Scripted below 12:00 is the renowned "Seiko" name for continual reassurance that you are adorning a valued timepiece. Dynamically styled, and wrapping this watch around your wrist is a black ceramic coated and gold-tone stainless steel bracelet. Bracelet: Stainless steel Movement: Japanese Seiko quartz Crystal: Hardlex Crown: Push/pull with function pushers Clasp: Push button deployant Bracelet Measurements: 8-1/4" L x 20mm W Case Measurements: 39mm Water Resistance:10 ATM - 100 meters - 330 feet Model Number: SNQ045 Warranty: Three year limited warranty provided by Seiko Corporation of America. Additional Features: Watch comes packaged in a Seiko watch box with instruction manual and warranty information.
|Brand, Seller, or Collection Name
|Model number
|Part Number
|Item Shape
|Dial window material type
|Display Type
|Fold over clasp
|Metal stamp
|Case material
|Stainless steel
|Case diameter
|39 millimeters
|Case Thickness
|12 millimeters
|Band Material
|Stainless steel
|Band length
|Band width
|20 millimeters
|Band Color
|Dial color
|Bezel material
|Stainless steel
|Bezel function
|Special features
|Perpetual calendar, Water Resistant
|Japanese quartz
|Water resistant depth
|330 Feet
|Warranty type
|Contact seller of record
Disclaimer: All products sold on Zabiva are brand new. We tend to provide accurate information, yet certain information may vary as actual information on the product may differ from the content available on our website. So when you are doubtful, we advise you to read the details mentioned on the product before using or consuming the product. If you require further information on the product we recommend you to directly contact the manufacturer. All the content provided at Zabiva is for informational purpose only and is not intended to diagnose or treat problems. The skin care products are not to cure, and while buying skin care products, customers are advised to check the suitability of the product with their skin type before using the product. We suggest you to consult from the perfect guide before utilizing the product. Hair care treatment products are not intended to entirely diagnose, treat or prevent hair related problems. Zabiva.com undertakes no responsibility for incorrectness of the product. Buy ordering from Zabiva.com, buyers have confirmed to have read this disclaimer.


text:
New York League of Conservation Voters
Responsive WordPress website design for this New York State environmental political action group
The New York League of Conservation Voters (NYLCV) is a non-partisan New York State organization that fights for clean water, clean air, renewable energy and open space through political action. Trillion worked on this environmental website design with the NYLCV to transform their website into a premiere communications platform. The goals of the new website were to increase voter engagement, increase support of the NYLCV's initiatives and highlight the environmental issues that impacting New York State.
Trillion redesigned the website to represent all of the regions and issues supported by the NYLCV. We utilized a card-based user interface design which allows new, relevant content to be published and shared throughout the website with minimal effort. We also created an interactive map that features key issues for each region that the NYLCV represents.


text:
Hire the best locksmith services in Richmond, California.
Do you want to hire the best locksmith in 94850? Your search ends when you are in contact with our Locksmith in 94850. We are just a call away from solving all your problems relating to locks and keys. Our professionals are well trained and experts with the latest state of art techniques. We are licensed, insured and bonded to be at your side for your safety and security.
Our incredible services
Our only motto is to make our customers satisfied with our most reliable and affordable locksmith services. The charge we take for our services is really affordable for anyone of you. Our service charge is $15 only. For the past years our company has been in service recommended to be the best among Locksmiths in 94850. Our company has become famous only for its unmatched services and professionalism.
- Providing Transponder Chip Key
- Re-locking
- Installation of high security locks
- Installation of any kind of locks
- Key duplication
- Emergency trunk opening
- Installation of panic bars
- Installation of peephole
- Repairing of locks
- Alarm system repairing
- Repair and installation of intercom system
- Key duplication of cars
Our emergency services
Our Richmond Locksmith is at your services round the clock. Our 24 x 7 hours service is always there to be at your side at any odd hours and at any odd places be it your 20 Th. Floor office or any highway. From getting request from customers we will reach to their places within 15 minutes. Our company has been the most reliable emergency locksmith services in 94850.


text:
Sloth is defined as a disinclination toward doing any work. I offer that the "evil" of sloth arises from a refusal to indulge in it. Leading to an apathy and then to a misanthropy as you cannot allow others to engage in sloth if you will not permit it in yourself. We were not shackled with ego. We were gifted with it. So when ego leads us to moments of sloth, who are we to judge? We are touched by the spirit of sloth, and react with judgement. We analyze, or even worse reject these spirits, then wonder why they seem to dominate our reality.
We cling vehemently to disempowering relationships with the "gods/spirits/emotions" never realizing that any relationship is our choice. We are given total choice and total freedom.
"Nothing irritates me more than chronic laziness in others. Mind you, it's only mental sloth I object to. Physical sloth can be heavenly." Elizabeth Hurley (English Model and Actress. b.1965, Hampshire, England, UK)
"Moderation cannot claim the merit of opposing and overcoming Ambition: they are never found together. Moderation is the languor and sloth of the soul, Ambition its activity and heat." François de la Rochefoucauld (French classical author, leading exponent of the Maxime, 1613-1680)


text:
Original paper
Verbreitung der Mykotrophie im Alerce-Wald und dessen Sekundärgesellschaften
Steubing, Lore; Godoy, Robert
Phytocoenologia Band 25 Heft 4 (1995), p. 579 - 593
36 references
published: Dec 14, 1995
DOI: 10.1127/phyto/25/1995/579
ArtNo. ESP024002504004, Price: 29.00 €
In the higher elevations of the coastal mountains in the province Valdivia/Chile the forest of >i>Fitzroya cupressoides after destruction by burning and cutting is replaced by the shrubland "matorral" (Chusqueo-Ugnetum candollei), which is poor in species. The succession is accompanied by such a loss of soil nutrients that even in cultivated grassland (Acaeno-Agrostidetum leptostigmentosum) originating from the forest the regeneration to the native forest becomes impossible. Strong correlation exists between the concentration of nutrients, organic substance, root biomass and the content of VAM-spores in the soil. According to the necessity of programs for reforestation with Fitzroya cupressoides the degree of inhibition of the plantations by nutrient poor and shallow substrates has to be proved. The dominance of VA-mycorrhiza in wood associations is discussed in relation to the age of the ecosystems.
coastal mountains • native forest • biomass • reforestation • Valdivia • Chile


text:
Johannesburg - A veil of silence has been drawn over the appeal hearing of ANC Youth League president Julius Malema that reportedly got under way in Johannesburg on Monday morning.ANC spokesperson Keith Khoza said party members were instructed not to comment on the hearing at Luthuli House."The media have been kept out, and we don't know anything about it. The media might receive information once the hearing is completed," he said.ANCYL spokesperson Floyd Shivambu refused to comment."Don't trouble me with this. I will not say anything about the hearing."Malema's advocate Dali Mpofu refused to confirm the hearing had begun."We are busy at the moment," he said.Oral argumentsSABC radio news reported at 11:00 that the hearing was under way.Oral arguments were scheduled to be presented at the hearing at ANC's Luthuli House headquarters.Malema's lawyers submitted heads of argument to the ANC's national disciplinary committee of appeals last week. Advocate Patrick Mtshaulana said these detailed why Malema's five-year suspension should be overturned.Malema and other senior ANCYL leaders were suspended in November last year after being found guilty of sowing division within the ANC and of bringing the party into disrepute. This was due to, among other things, comments made about bringing about regime change in Botswana.Heads of argument were also filed for Shivambu, deputy president Ronald Lamola, treasurer-general Pule Mabe, secretary-general Sindiso Magaqa and deputy secretary-general Kenetswe Mosenogi.Mtshaulana said they would try to convince ANC appeals committee chairperson Cyril Ramaphosa that they were not given a chance to argue in mitigation of their sentences.They would also argue that disciplinary committee members, including chairperson Derek Hanekom and Mineral Resources Minister Susan Shabangu, should have recused themselves from the disciplinary committee which dealt with the matter. This was because they had previously publicly disagreed with the ANCYL's positions on land reform and the nationalisation of mines.They would further submit that the verdict and sanctions relied on an outdated section of the ANCYL constitution.
All the best Malema and YL, we won't allow you to fall.Amandla
Hahahahahahahahaha, wait and see!!!
and you can stop this?
Please let him fall hard...PLEASE!!!!!
Your hero is going down for corruption though. He will be president. Of Cellblock D in suncity.
Someone better prepare to offer Juju some farming lessons. Just saw a picture of him in his nice blue shirt going walkabout on his farm. Clearly has NO clue about farming, or woodwork..or politics.. eish
You can dislike my comment is fine I don't care. Even if is tough victory is certain....Economic freedom in our life time. I want a farm too.
I am afraid that this is only the start of his woes, next stop with be court for fraud and corruption charges and once that has gone through the house in Sandton and the farm will be taken away as they will be deemed as the proceeds from a crime committed. Your support of the man is noble though, at least you have not jumped ship like so many of his " friends " have.
No, you want a farm for free :P
just heard malema is deep in cow dung
@CdeSganja Economic freedom , lol !! I actually feel sorry for you ! Just look at your comrades from the Aurora mine , this is how they will treat all South Africans ! You must realy be dumb and uneducated if you believe anything these idiots promise you !!
They have no comment because they are probably sitting around inside telling each other jokes and chowing down on their Mega Bucket from KFC.
LMAO! Yea i can see that happening.
And guess what the joke is...gerald
For sure. I also what what they are going to lie about now. Probably keeping quite until they can all agree on the lies that will be told. Try to avoid the embarresment of the last lies about the "shadow" plane that followed Zuma.
Never heard such a lowsy comment, Gerhard. ARE YOU BORED?
They wont comment, because they wont keep to their word, an Malema will be re-instated.
Lets see if the anc have any b@lls!!!!
Shirley, they have already proved that they dont have Ball's, or guts, or Brains.
As the ANC we are not conserned about the rot happening in the News rooms and in any other mickey mouse organisation like the DA. Why are you people so conserned about the internal problems of our organisation?
It might have something to do with the fact that the ANC runs the country. Into the ground but you still run the country.
What rot in the newsrooms? The attack on the media is merely a thinly veiled attack because of exposing corruption in the ANC.
U are the mickey mouse organisation! Waste of our tax money and time!
Please just remove urself from the WORLD and get someone competent to take over.
Because the ANC is a joke. And we all enjoy a good laugh.
Fancy that, when the party were a banned organisation then the press were all good and well, now that they rule then these same people are deemed as rotten ? tsk tsk tsk
Why are also silent about the fact that after King Zwelithini said the "gays were rotten", the president responded to him by saying ""Today, we are faced with different challenges . challenges of reconciliation and of building a nation that does not discriminate against other people because of their colour or sexual orientation."
But instead of putting that boldly in your newspaper you choose to spread and elivate a sponsored propaganda about what Mbeki said in his small corner and irrelevent podiums!
Because your organisation is busy f*cking up this country for us all, you idiot. Go back to School and ask for std 5 English re-write.
If you for one second believe the anc has any sort of concern for your well being, best you think again chump - they couldn't give a flying f*ck for you, the un-educated, the poor, the hungry, the needy and the desperate.
Catch a wake up!!
@ Phumi - Anc might have the support of the uneducated masses , but that`s it ! How uch money is missing in the Cape Province and how much money is missing in all the other ANC run provinces ? Do I need to say more ?
What worries me is that you claim to be ANC, the governing body of our country, yet you cannot spell the word concerned on a site that spell checks for you...for shame! We are concerned with the fact that "you" actually have internal problems like these. period
Ehambayo ziyayikhonkotha , Emileyo ziyachamela !!
Phumi, this people are all jokes themselves because their forefathers stole land from the black people, who are the rightful owners. we also want farms and this is the reason why they hate MALEMA so much. WE WANT OUR LAND BACK.
Don't shoot the messenger! The rot as far as I can see is not happening in the news rooms.....
The rot that is happening is within the ANC. They are a lot of corrupt officials taking from the poor and helping themselves. Everything they touch turns to rot. Eveerybody is concerbed about the internal problems because they are the people who needs to run the country and they cannot even sort out their own problems what to say a country or department or anything at all.
Motho, do you assume that all white people have farms? You can have my farm, my brother's farm, my father's farm.
Oh wait, I don't have a farm. If you want my townhouse, come fetch it and don't forget to take over the mortgage. And my three by six garden should be more than big enough for five cows and a vegetable patch.
Hope you fall hard malema. You and the youth league.
Your wishes wont come true Sinudeity Mlondozi.
Sganja, dont worry, you can visit julius in jail.
Who will put him in jail Sinudeity?
Hawks/SARS/Public protector, one or all of those 3.
"Hawks/SARS/Public protector, one or all of those 3."? All of them are dead snake
No, julius is a dead snake. Thuli is going to kick malema's @ss.
It would not be wrong to pray that he get 10 years.
I wish this lot would get a life and stop hogging all the press over a lot of rubbish. Who really cares. I agree with Heini, the ANC will fold again. Bet you he is reinstated. Let's all bow with respect to the ANC shall we! The present day party really upholds the ideals that Mr Mandela's era stood for don't they? Ha!
I bet a KFC mega bucket he is going to get off!
Piet, you are on! lol....This is all politics, I dont think for a second fat pig Zooma is gonna let Piglet take away his 2 jets and olympic size feeding trough
"Malema who?" Malema our president, including you comrade.
@CdeSganja - Are you a comedian ?
The overweight woodwork veteran cum economic freedom fighter cum farmer. That one.
That fat f@ck doesn`t even know what a freedom fighter is !
The ANC is also silent on alot of other issues, how is this news worthy? Don't report if there is nothing to report on.
The arrogance of the ineptocrats.
`The media might receive information once the hearing is completed,' and we thought that we were living in a new, open, transparent democracy. NICE!
You see, useless anc, you made this public.
Your ignorants splashed this all over the news.
This should therefore be open to public scrutiny; ESPECIALLY TO YOUR OWN IGNORANT SUPPORTERS, YOU DOLTS!
lol,what a load of donkey poo
Go for the jugular, Mr Ramaphosa!
I agree. Appeal is a private thing.
The demise of the ANC will be much quicker if they let him back in. Fingers crossed
Nothing rises and rises and rises forever. There is rise and fall of everything. Even the Sun may explode or fizzle away and dissappear one day. The ANC will definitely fall and be forgotten. The problem for you is that such an occurance will not take place in your lifetime, but only after a Thousand Years.
shyte!!! not a good thing to read just before lunch....gonna toss my cookies any minute
Yes Melanie because you still have 'History' attitude, anyway we don't need you to read it.
The name Malema sends shivers down some people's spine. Did you commit any crimes that Malema may call you to answer for when he ascends the top office.
Tenderpreneuring? President of Cellblock D in suncity. Nothing more.
Ask them again Vegi, and they must answer hey. WHAT ARE THEY AFRAID OF? LOOSING THE LAND THEY STOLE?
There only thing that the rectionary forces including the media as their spokesperson want is a divided ANC. By so doing it means that the ANC will be destracted and derail in raising pressing issues like economic margninalisation of blacks and the elephent in the room called 'land'. Come the 53rd conference in Mangaung we will elect leaders who will be more radical and sympathetic to our plight! Not the current ones who are dictated by foreing investors and Queen of England!
You are delusional
Come mangaung, and people will vote DA. Amandla!
Tisk tisk Phumi...you're really losing credibility here with your spelling..."By so doing it means that the ANC will be destracted and derail in raising pressing issues like economic margninalisation" - Do you honestly believe it is the media's fault? Don't you think that the reason they are not raising 'pressing' issues is because they have to deal with problems like these...We all should be happy that people like Malema are being put on trial, people like Malema are playing us all against each other...hopefully our children will fair better in working together towards the status our beautiful country deserves
It has taken a while for this to sink in but finally I think I can see the plan behind all this. Many Citizens of sound mind in this country were very happy with the outcome of the disciplinary enquiry. If one of the reasons qouted for the appeal is correct, that no argument in mitigation was heard, then I can see the plan here from the outset. The ANC Disciplinary hearing went through the motions to impose the penalty to bluff us all. Knowing full well that they had "left the door open" for a reversal of the decision once the appeal is heard. Later today or tomorrow we will hear that the decision has been overturned because the "accused" parties were not given the opportunity to plead in mitigation. Over and done, and on goes young Julius causing chaos in the world and further detroying any remote chances of foreign investment that might just have lead to more jobs.
Nah, Cyril Ramaphosa is an astute thinker and will not let Julius off to cause any more economic damage than he has already done. If the original ruling is overturned it will be for a reason that neither you nor I have thought of. Like maybe to finish Zuma off and then deal with Julius later. Ultimately Julius will meet his moses because he is a bad influence on the uneducated youth. But because off the oppression the masses are experiencing under the present regime, he appears to be their saviour, little realising that they are only being used by him so that he too can get his snout into the trough before it runs dry. My money is on Cyril doing what is best for the country.
Silence of the lambs
Mzansi is easily shifting from democracy(info freedom) into china-like communism(secracy and manipulations) in the name of nyuku.
Hey, Azanian go read "The three sisters of China", written by a Chineas women.Once you have read first hand the starvation,brutality and murder of the working classes you might think twice about this so called economic freedom.My guess is you will refuse to read this book and pass it of as propoganda. If you cant read then just go and ask any Zimbabwean, he will give you a first hand account.
Probably sitting behind closed doors sipping on some Johnny Walker Green Label.......pretending to be busy.......
This Malema thing is just a joke: "They would also argue that disciplinary committee members, including chairperson Derek Hanekom and Mineral Resources Minister Susan Shabangu, should have recused themselves from the disciplinary committee which dealt with the matter. This was because they had previously publicly disagreed with the ANCYL's positions on land reform and the nationalization of mines". Surely his Attorneys if they are attorneys are aware that they have to prove the influence of such disagreement in the outcome. They were not interested in mitigation because they expected the positive side and stayed away from presenting mitigation and now they have just realised their mistake and blame the committee obviously for why it did not force them to present the mitigating circumstances. I agree with overturning of the penalty because in an appeal even a harsher penalty could be applied. Let Ramaphosa overturn the suspension and rule on expulsion. In ANC, anything is possible, Malema might be acquitted.
We can speculate 24 Hours on the outcome of the appeal process , that will not force the outcome out of the Appeals Comittee until the process is finalised. Best we wait and see instead of predicting and accusing the ANC of how it will handle the matter , is there anything else to discuss?
The ANC should stop victimising Malema. Malema is spearheading a new direction at a time when our people were facing despare at the lack of economic transformation. The debate he started will only end with the implementation of what he espouses. His courage is an inspiration to future generations. Our children will read about his heroism and cherish his memory while cursing his detractors.
A new direction? Mass tenderpreneuring? Enriching himself at the expense of the poor?
Vegi ... who's socks have you been smoking?
Vegi for president. You have more sense than Zuma and JuJu combined.
Vegi for president of Cellblock E!
Once, when you have economic freedom you`l find that you still have to work for a living.can you?
I also want a farm
Ah yes i see we have two idiots Sganja and Phumi. You two really deserve the darwin award along with the rest of you stupid ancyl and leaders. I dont know what mentality you all have that you want these corrupt and thieving idiots to be your leaders. One didnt even pass woodwork and the rest well i guess only grade7. What example are they setting for the youth of today?? None!! Typical comment by Sganja of I want a farm, u just want want want and are not determined to work for it. When u do get stuff just given to you u f*@k it up and cry for more. Your ANC leaders are running this country into the ground because of this corruption and living like fat cats, while ppl are starving and living in shacks. So the sooner u idiots catch a wake up and stop being brainwashed the better it will be for all SA. They all deserve to be suspendid and jailed and its time the president start hitting corrupt officals hard
Did the white farmers who own the whole of SA today in the form of farms work for them or their forefathers passed stolen land to them FREE OF CHARGE? PLEASE ANSWER ME BEFORE INSULTING PEOPLE WHO ARE THE VICTIMS IN THIS REGARD.
@Motho:They have bought those farms and caltivated them and have got workers that have worked hard to maintain them. The white farmers are our bread and butter here in SA, look what has happened in Zim, chased the white farmer out, those farm lands have now gone to waste and the ppl are starving. Look whats happened to those farm lands that have been given back to black ppl here, they sell the land back to the farmer cause they do know how to maintain it and your government wont lift a finger to help them get started cause that money is going into there back pockets. All u hear on the news is we want this, we want that but yet you are not willing to work for it.
Motho, I would love to spend a day in the parallel dimension you live in where "white farmers own the whole of SA". In fact you're just talking complete and utter garbage. http://www.stopboergenocide.com/160332.html
If you're unhappy with the deals your forefathers made with Europeans then you're going to have to take it up with your ancestors. Not our problem that they took such a liking to shiny trinkets.
The Anc appeal processes are not a court of law and therefore have their own rules to follow.It would be foolish to dismiss Malemas Message, he plays to a very disgruntled audiance. the shocking ineptitude from the cadres in every sfeer of our goverment will simply be wiped of the agenda with crude racism and anti white sloganering incerted. The mind boggling idea seems to be that whites steal all the money thats going around . A simple scan on where the moneydrain is look at the auditor generals report it speaks volumes.


text:
Archive for May 9th, 2016
Ready for Some Music in Hollywood?
Our Private Tour Looks Close at the Hollywood Bowl
We are only a month away from the start of the 2016 Hollywood Bowl Season. The kickoff event is always the Playboy Jazz Festival hosted once again this year by the hilarious George Lopez. This two-day event brings to this historic location the best music and the best people to enjoy an ongoing feast of sounds in beautiful Los Angeles weather. Less than a week later the official opening of the Bowl will be an evening with Steely Dan and the Hollywood Bowl Orchestra. Enjoying a concert is this grand outdoor facility (a city park in actuality) is fun for the music and for the opportunity to be somewhere where people have been gathering under cloudless skies for almost 100 years. There is even the Hollywood Bowl Museum that we take our private Los Angeles tour guests to visit. Everybody who is anyone in the musical world feels wildly fortunate to be invited to entertain at this venue. But music comes in many forms and in a neighborhood famous for creating film blockbusters you must consider coming here for a movie sing-a-long. The first is at the end of June – the Sound of Music sing-a-long. Itself an annual event (one of Hollywood's favorite things) the audience comes dressed in lederhosen and habits, full Austrian attire, and with picnic baskets filled with foods suitable for an outing in the Tyrolian Alps. This is just the start of a summer full of classical, ethnic, country, rock 'n roll and special events. We love our summers when the Hollywood Hills are alive with the sound of music.


text:
Trust 19940. Device type: Tablet, Brand compatibility: Universal. Display diagonal: 31 cm (12.2"). Quantity per pack: 2 pc(s)
- Can easily be cut to fit any smartphone or tablet up to 12.2"- Removable, printed grid with most common screen sizes- High strength, ultra clear material- Anti-static and washable surface- Easy to apply without air bubbles


text: Hi all I'm new to android but what a great journey!! Bought 2 broken HTC G1s on ebay took them apart and rebuilt a new phone with the good bits. So far I've unlocked it as the motherboard was locked to T mobile. Rooted it and am now working my way towards an updated rom install so far I've just downloaded Titanium backup to back everything up first.


text:
Leave a Comment:
1 comment
I've been forced to change my process this week as my laptop died. I'm currently implementing edits. I'm still working but writing the changes out by hand. I never realised how much of my process involves typing a bit then deleting it again till the words look right. It's a bit hard with handwriting. Great post thank you for sharingReply


text:
|In Stock
|Dispatched within 24 hours - Monday to Friday
Dehydroepiandrosterone is a bit of a mouthful, I'll give it to you. And while DHEA is perhaps not the sexiest name, it does offer an expedited solution to the nomenclature of this incredibly desirable hormone. Why is it so desirable, you ask? Because Swanson DHEA 10mg is, at its very core, responsible for increasing our body's production of testosterone and oestrogen.
Produced naturally in the adrenal gland, this steroid hormone has a very real and very direct effect on our sexual vitality as well as our ability to grow naturally. You could rightly wonder then, if it is naturally occurring and we obviously all have it in abundance, why would you feel the need to supplement your body's supply? The answer is more obvious than you might think.
Certainly, when we're young, our body's supply of DHEA is abundant. In our teenage years you could even go so far as to say we have it in excess. But, as with all good things, as we grow older it begins to dissipate. Studies have shown that by the age of 70, our natural DHEA levels will stand at a fraction of their former glories - a paltry 10%.
So if our natural store of DHEA diminishes why should we fight it? Menopause is a perfectly natural process, what's the big deal? As it turns out, oestrogen and testosterone levels in the human body have a direct correlation to the ageing process. They have actually been noted for their ability to slow that process and in some cases even halt it.
Swanson DHEA 10mg is a low dose solution to your DHEA requirements, meaning that you don't have to worry about any undesired side effects, just enjoy all the benefits instead.
So what does it mean to age, to grow older, really? Aside from a wilting libido it also means that we suffer from brittler bones, easily attained weight gain and diminished muscle. Fortunately for you, all of those factors can be tackled at the source with Swanson DHEA 10mg.
By increasing your hormone levels Swanson DHEA 10mg can also strengthen your bones and increase your muscle. One of the reasons that this incredible tonic has been so righteously embraced by the professional athletic community for so long now.
Don't let age tackle you; beat it from within with 100% natural Swanson DHEA 10mg.
And the benefits don't stop there - the National Institute of Mental Health studied the behaviour of middle aged women who had been suffering from mild to moderate depression when they took a DHEA supplement and discovered the results to be consistently positive.
Often referred to as the "Mother of all Hormones", let Swanson DHEA 10mg and watch time come to a stand still.
To be used as a dietary supplement. Take one capsule once per day with water.
Other ingredients: Plant fiber (microcrystalline cellulose), gelatin, rice flour, silica and magnesium stearate
If you are currently on another medication, or have other medical, allergic or pre-existing complications that may interfere with this supplement PLEASE seek medical advice from a physician before use.
Keep out of reach of children.
Do not exceed the recommended dose.
Do not take if the outer seal is broken or damaged upon purchase.
WARNING: NOT RECOMMENDED FOR INDIVIDUALS UNDER THE AGE OF 18 YEARS. DO NOT USE IF NURSING OR PREGNANT. Not recommended for LADIES under the age of 35.


text:
Military Training Programs
ARMA's military-training programs were developed by military professionals for military professionals — with an emphasis on how to deal with real-life physical confrontations on the combat environments they serve.
No matter what branch you serve there comes a time in every marines/soldiers/sailor/airman's life when they have to go from garrison to combat in a nano-second — from controlling a vital threat to fighting for their life.
Preparing for these situations is where Dave Young's programs excel.
Serving in both the U.S. Army and the United States Marine Corps, Dave is a decorated veteran. His training applies both technical and tactical application and a deep understanding of the realities of combat conditions.
Dave's programs enable the operator to work within their own physical limitations (sometimes we go light — with little gear — and sometime we go heavy — with a lot of gear) and to operate within existing judicial and legal limitations.
For example, trainers who have never worn full combat gear or carried a weapon have a hard time understanding the tactics needed to work effectively in the theater and deal with legalities and issues of force-on-force options. That's not the case with Dave's programs. He has been there and done that.
The key to a combat-ready program that works is training which is gross-motor skills-based — making it easy to remember — and training where the same technique is applied in standing, ground and even water based confrontations.
Dave's training uses anatomically correct techniques which are critically important to control threats without bending, twisting and torturing the limbs in a way that could cause injury. Such control is achieved by applying techniques that require compression and positioning of the limb without reducing blood flow and circulation or affecting the breathing of a subject being controlled.
These techniques do not require the acceptance of pain to be effective – therefore we can explain in court any injury was from the level of resistance and not from the application of a technique.


text:
Under Armour Breathe Womens Sports Bra
- Click to zoom in or click
- Double click to zoom out or click
- Click to reset image
- Click and drag with to rotate
- Double click to zoom in or click
- Double click to zoom out or click
- Click to reset
- Photos
Get a secure and comfortable fit and the breathability you desire with the Under Armour Breath Sports Bra. This sports bra is made with a lightweight, 4-way stretch that improves mobility so you can move around comfortably and features Mid-impact support which allows you to stay fit and relaxed.
The Breathe is made using Under Armour's HeatGear technology for a more contoured and natural shape. Sporty mesh panels are added to provide you with amazing breathability where it's needed the most and the Signature Moisture Transport System works to wick away moisture and sweat so you stay dry and comfortable. The Breathe from Under Armour has a skinny strap racer back design to give you enhanced range of motion for added comfort.
This sports bra is will work best for A to C cups.