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Michelle Singletary
Washington Post Personal Finance Columnist
Wednesday, March 11, 2009 12:00 PM
Need advice about how to handle your personal taxes and finances? Post personal finance columnist Michelle Singletary and Jim Dupree, the IRS spokesman for Maryland and Metropolitan Washington, offered their advice and answered your questions on Wednesday, March 11 at 12 p.m. ET.
A transcript follows.
Read Michelle's latest columns, check out her Color of Money Book Club selection archive or sign up for her weekly e-mail newsletter.
Michelle Singletary: Good afternoon everyone. Lots of tax questions so let's get started. Also, if we don't get to your question today it's a possibility that I'll have an answer for you in next week's eletter. If you don't subscribe, please do.
washingtonpost.com: Subscribe to Michelle's Weekly E-letter here.
Pikesville, Md.: I entered into a payment agreement with the IRS for back taxes I owe. an I claim any of the interest and penalty I pay when I file my taxes yearly until I am finished paying?
Jim Dupree: Sorry, in general, interest that isn't on the mortgage for your house, or part of a business enterprise, isn't deductible - and penalties are never deductible...
Atlanta, Ga.: If I bought a car (paid cash for it) in the amount of $10,000, is this gift deductible by me and is it taxable to my daughter?
Jim Dupree: Making a gift or leaving your estate to your heirs does not ordinarily affect your federal income tax. You cannot deduct the value of gifts you make (other than gifts that are deductible charitable contributions). Take a look at IRS Publication 950(9/2008), "Introduction to Estate and Gift Taxes." (http://www.irs.gov/publications/p950/ar02.html#d0e235)
For 2008, you generally can give a gift valued at up to $12,000 each, to any number of people, and none of the gifts will be taxable.
Red Oak, Iowa: Thank you for taking my question. I'm nearing retirement where I will be on a government pension. My house is paid for and by the end of this summer I will be totally debt free, barring something unforeseen. I'm thinking about getting a reverse mortgage at 62 instead of collecting social security at least until I'm 67. One, is a reverse mortgage a good idea (I am single with no heirs)? Two, is the banking crisis affecting the future of reverse mortgages?
Michelle Singletary: If you aren't going to be desperate for money I wouldn't get a reverse mortgage. It's a loan meaning debt. And it doesn't appear you need the money that bad.
Additionally, reverse mortgages carry heavy fees.
For more information about reverse mortgages go to www.hud.gov
Midwest USA: I do not have the money to pay my taxes (almost a $1000) this year, due to losing my job. What should I do. I am looking for a job very hard but so far no luck
Jim Dupree: Don't panic. If you cannot pay the full amount of taxes you owe by the April 15 deadline, you should still file your return by the deadline and pay as much as you can to avoid penalties and interest. You also should contact the IRS to discuss your payment options at 1-800-829-1040. The agency may be able to provide some relief such as a short-term extension to pay, an installment agreement or an offer in compromise. In some cases, the agency may be able to waive penalties.
Boonsboro, Md.: Obviously, the best tax advice is simply not pay until you get nominated for a Cabinet position.
Michelle Singletary: You've been watching late night television, haven't you!
Washington, D.C.: Before Pres Obama was elected I remember reading something about being able to withdrawal $10K from your 401K w/o the early withdrawal penalties. However you would still have to pay income tax, since it would be additional income for the year. This is something that Pres Obama was going to implement. I haven't seen or heard anything else about it. Any advice.
Michelle Singletary: That one one of many proposals.
Didn't make it into the final law.
St. Croix, U.S. Virgin Islands: My husband turned 70 last April. He is required by law to sell off part of his IRA at one of the worst moments in modern financial history. If he does not sell the government will penalize him by hitting him with a tax fine. The question is: would it be wise to NOT sell the IRA mutual funds and take the tax penalty? Can they force him to sell off a portion of his IRA, and how would they do it? We were hit pretty heavily by Hurricane Omar and have have major deductions due to property damage. Might this be to our advantage, financially, to leave our IRA in tact until better financial times? We are both still working but partially live off of Social Security to make ends meet.
washingtonpost.com: Here are some recent columns that may help: IRA Change Helps Retirees Ride Out the Storm (Color of Money, Jan. 15)
The Confusion Over Required Withdrawals (Color of Money, Feb. 5)
Michelle Singletary: Please read these two columns. At least for 2009, you don't have to make required withdrawals from certain retirement plans.
Richmond, Va.: Please please please help me. When I lost my job last January I moved all my money in my 401K into a stable value fund. The value has held steady in these bad times. My problem is that I don't know if I am being smart or foolish. I haven't seen on TV or in the financial magazines where the experts are recommending these funds as "safe harbors" and I am getting scared that I am missing something. Am I?
Michelle Singletary: I so wish I could tell you what to do. But the fact, is nobody these days really knows the "smart" thing to do.
But I will say that I hope you understand that there is no safe harbor when you invest. You put your principal at risk. Depending on the investment you can take less risk but as many have found investing isn't like parking your money in the bank.
Arlington, Va.: Did the government raise the tax rate on either capital gains or on dividends? thank you, Joe
Jim Dupree: The rates were not raised for the 2008 tax year.
Greenbelt, Md.: Is there a place where I can find a simple, concise, and complete list for 2009 tax breaks/incentives related to purchasing "green" products, such as home improvement items? Thank you!
Michelle Singletary: Here's a link on Kiplinger for Tax Breaks for Going Green
Two Spoons, N.C.: Michelle: Love your columns. You consistently say that an emergency fund should have 3-6 months of living expenses. Do you really think that is enough anymore? Maybe the job statistics generally show more optimistic time frames for finding a job, but from my point of view, that seems really low -- most people that I know who have been laid off over the past couple of years (and being in the tech industry, that means A LOT of people) have taken almost a YEAR to find another job with a salary that pays all the bills. On top of that, in some cases, they were required to relocate without having the usual relocation assistance, since companies have been cutting back on that benefit as well. Now that the economic situation is even worse, I suspect it will take upwards of a year for folks to find another job. Personally, I will not rest easy until my emergency fund has at least 18 months of living expenses in it. Am I going overboard with that, meaning, would that "extra" money I am socking into my fixed-rate emergency fund be put to better use in some other kind of investstment like an index fund?
Michelle Singletary: You make an great point. And in fact, I have been telling folks to aim for the one year of living expenses.
Here's another problem. Often professionals are reluctant to take just any job, so they go thu their savings when what they should do is take any job (working shifts, weekends to leave days or some days to look for a better full-time position) so they have some income coming in. That would cut down on the amount they have to pull out of their savings.
Fort Worth, Texas: I have a personal business. I set the money needed for taxes aside in the stock market in triple A rated companies in the fall thinking that would be a safe place. It's all gone. Now what?
Michelle Singletary: You poor dear. I'm so, so sorry.
Unfortunately you are in a terrible pickle. If I were you, I would contact the IRS and try to work out a payment plan.
And going forward this is a good opportunity to remind people that money you need for the short-term such as for taxes should NEVER be invested. EVER. I know people hate to put their emergency money or life happens money or even money set-side for taxes in low yielding savings accounts. But you must. You shouldn't try to invest this money even in something you think is low risk. Just never a good idea even when the markets are good.
Please read my column for tomorrow. The IRS is having again its "Super Saturday" where people can go to various IRS offices and get help with working out a payment plan if they don't have the money to pay their taxes.
You can also go to www.irs.gov and in the search field type in "Super Saturday" to find a location near you.
Philly, PA: I just got the 1040 back from my CPA. There was a miscommunication and for my refund (whew!) he crossed out the option for direct deposit which means I would be getting a paper check. Do I need to have him fill out a new 1040 if I want to do direct deposit instead? Thanks.
Jim Dupree: I'm afraid it's too late. Your return is most likely already being processed, and your refund is most likely on its' way.
Often professionals are reluctant to take just any job, so they go thu their savings when what they should do is take any job (working shifts, weekends to leave days or some days to look for a better full-time position) so they have some income coming in.: Often, ANY income can stop your unemployment benefits. Sometimes, that's why a professional is reluctant to take a meanial job for sometimes less or as much as the benefits to which they feel entitled.
Michelle Singletary: Well, there are some part-time jobs that do pay more than unemployment. That's the point I was making. Second, many of these professionals run out of unemployment and still are reluctant to take any job.
And further some, although not many, part-time or lower paying positions come with benefits such as health care.
That was my point. I've worked one-on-one with a lot of people still collecting unemployment waiting on the perfect job like they had before.
I know it's tough to go backwards job wise, but sometimes you have to do what you have to do.
Debt vs. Bonus Money : Michelle --
I have about $25,000 worth of credit card debt (low interest, but still cc debt), and am about to get a $25,000 bonus (after taxes). I also have no emergency savings.
I am wondering should I put the bonus money to an around the world cruise-- er, paying off the credit card debt or keep the debt and put the money into savings?
I'm 32, single, and worst-case scenario could always move back in with Dad. Thoughts?
Michelle Singletary: Withhold enough for about one month's living expenses for the emergency fund and they use the rest to pay down as much of that credit card debt as possible.
That's what I would do.
Durham, N.C.: How do I reduce the amount of Federal taxes taken out of my check?
Jim Dupree: You can adjust your witholdings by submitting a revised Form W-4, "Employee's Withholding Allowance Certificate"
to your employer, adjusting the amoung of federal witholdings.
Check out the IRS' "Witholdings Calculator" at www.irs.gov. This easy-to-use assistant can help you figure your Federal income tax withholding so your employer can withhold the correct amount from your pay. This is particularly helpful if you've had too much or too little withheld in the past, your situation has changed, or you are starting a new job.
Alexandria, Va.: "At least for 2009, you don't have to make required withdrawals from certain retirement plans."
This is true, but please stress to your 70-year-old readers that you DO have to contact your plan administrator and state what your choice is (to withdraw money or not). If you do not contact the plan your account can be considered abandoned. It is vitally important to be in touch with them, and keep copies of your correspondence.
Michelle Singletary: I believe I did tell them in my columns, but worth saying again.
And the rule also applies to people who have inherited an IRA.
Fairfax County, Va.: Hi Michelle -
I need some advice about refinancing. I refinanced my home in late 2002 on a 7/23 ARM. The 7 year portion was fixed at 5.5 percent but is due to convert to the variable rate at the end of this year. I am currently shopping mortgage rates for both 15 and 30 year mortgages.
I am employed full-time but my organization has indicated that it may have a RIF as early as June of this year. I don't have a good sense of how 'at-risk' I am so I'm planning for the worst. My emergency fund will currently cover me for 3-4 months. I've stopped all extraneous purchases and am saving as much as I can to make sure I have at least 6 month of expenses saved. I have $1400 on a credit card due to unexpected pet illness, car repair, emergency room visit, and appliance failure. I expect to have this paid in full by 3/31. I own my car outright and manage to save about 20 percent of my income in 401ks, Roth, 529, and emergency fund each month.
I have about 250k equity in the home (even after the downturn/reduction in home values). I currently owe 130k on the mortgage and am paying $1200/month for P and I, home insurance and property taxes.
After taxes, health insurance, and retirement, I bring in about 4000/month.
With the possibility of a job layoff by this summer, I am thinking of refinancing sooner rather than later. I originally wanted to refinance on a 15 year loan to pay off my house before my daughter enters college (in 13years). However, with the economic uncertainty, I'm willing to consider a 30 year mortgage to keep my monthly cash outlay as low as possible.
Based on this information my 2 questions are:
1) Should I continue to pursue a 15 year refinance or stick with lower payments on a 30 year mortgage (the monthly difference = $400).
2) When I refinance, should I take out 10-15,000 in cash and stick in a savings account to cover a potential job loss?
Thanks, Lori
Michelle Singletary: Given your job uncertainly, I would get a 30 year. You can always make extra payments to pay off the mortgage early.
And do not pull out out of the house. Remember that's just more debt. It's not a savings cushion and shouldn't be used as one. Just keep saving madly to weather the storm that may be coming.
HELOC: Would you advise paying down a HELOC with some extra cash, or putting said cash into savings? Our HELOC is at 3% right now, and we don't have a great savings cushion... thanks!
Michelle Singletary: Do both!
Build up your cash reserve and aggressively pay off the HELOC.
Annapolis, Md.: I have submitted my return and am due a refund. I noticed that I understated the state tax paid deduction. Should I submit an amended return now or wait until my return has been reviewed and I have received my refund?
Jim Dupree: Wait until after you received your initial refund. You can go ahead and cash your check. You'll have up to three years to amend your return.
Taxes: Michelle, I had written you when I paid off my mortgage in June, then was laid off in August. Thanks to your voice in the back of my head, we have no debt.
My commments are that when this layoff came up, I adjusted my withholding so that I only owe the IRS $73 for 2008. Also, please remeber that unemployment compensation -is- taxable income. Plan accordingly.
Thanks again. I loved your appearance on the panel for the Black State of the Union. I thought your points were good for all Americans.
Michelle Singletary: Thank you so much. And I'm so glad you were prepared for the worse. Bet you are glad you don't have a mortgage to worry about.
And FYI the Economic Stimulus package provides that $2,400 of unemployment benefit payments you receive in calendar year 2009 (to be reported on the tax return you file in 2010) will not be subject to federal income tax. This applies to all unemployment benefit payments - regular and EUC benefits.
re: bonus vs cc debt: How in the world does that poster have $25K in credit debt but clearly has such a high paying job that he/she is receiving a $25K bonus (after taxes which means it was originally $40K).
Surely that this must have befuddled you as well, Michelle?
Michelle Singletary: Oh please, me befuddled?
I'm seen it all. People making seven figures, broke.
People with credit card debt equal to their yearly salary.
People making more money than most of us, living paycheck to paycheck.
I'm so over befuddled.
But at least this person is asking the right question and knows he or she needs to get rid of that debt. Some would already be spending that money.
NW, D.C.: I tithe, not always by check. Can i claim my cash contributions too.
Isn't there a general rule of thumb for how much of your gross you can claim for deduction or church contributions?
Jim Dupree: For a contribution of cash, check, or other monetary gift (regardless of amount), you must maintain as a record of the contribution; either a bank record or a written communication from the donee organization containing the date and amount of the contribution and the name of the donee.
Pittsburgh, Pa.: Hi Michelle, I wanted to get your opinion on my situation. Our (husband and me) lease on our rented house is up in May, and we are moving because we need more space. We have $7500 saved right now; could possibly have $10,000 at the time of the move. I keep thinking we should buy a house, rather than rent. I know now is the best time to buy, and I don't want to be kicking myself later that I missed this opportunity. The trouble is, we have one daughter and a baby on the way (due in July). We have a lot of big expenses coming up this spring and summer: daycare for the older child and 3 month maternity leave for me with the baby. If we decide to buy, I'm guessing we'd have to use all of our savings for a down payment. I would rather use that to fund those other big expenses, and am sometimes okay with accepting the fact that we just can't afford to buy a house right now. Other times, I feel like I'm making a mistake and honestly feel like a little kid for continuing to rent (I'm 34 and live in a very affordable city!). Your thoughts?
Michelle Singletary: With the little information you've given me I would say you are not ready to buy yet. First, even if the $10,000 was enough -- and trust me it probably isn't -- you will move with no cash cushion, a baby, young daughter and no job for three months. Not a good position to be in as a new homeowner.
You need to save for the downpayment, which in any market these days can be as much as 20 percent, plus closing costs, plus you should have an emergency fund and life happens fund (for the car repairs, etc.).
So no, you are not ready for homeownership.
But please know this. You are not a financial failure because you are still renting. Contrary to what some folks say you do get something in return for your rent -- a roof over your head.
Save some more, take care of that new baby, relax. If you do all the right things, you can own a home one day.
Springfield, Va.: Hello. I've been helping my dad pay some of his bills, including his mortgage, over the past few months. Is there anyway to claim this on my taxes?
Jim Dupree: To be mortgage deductible, interest you pay must be on a loan secured by your main home or a second home and you must be legally liable on the loan. So, unless the home and the mortgage are yours, the amount you pay is a gift to your dad and not deductible by you.
Philadelphia, Pa.: Can a separated couple file separately without financial consequences? I was told by H&R Block I would owe "a lot" if I filed separately. They suggested filing a joint this year. Thank you!
Jim Dupree: It really depends on the specifics of your financial situations. For some married couples, filing separately actually can give them a greater tax benefit.
Marathon, Fla.: Ms. Singletary,I read with much interest your recent column. Hopefully after reading this letter you will reach out and help me. The IRS has misled you in my case.
IRS has been EVERYTHING OPPOSITE of what you said in your article. They have been unrelentingly vicious, mean, vindictive, cruel, unresponsive, etc.
I am jeopardy of losing everything I own, being homeless, losing my health insurance, my job and no longer able to survive without assistance from others (public and private).
I owe back taxes from a company I once was a principle in. IRS has levied my paycheck. When they were contacted to find out why and what it will take to have the levy lifted they did not return phone calls. When finally spoken to was told the issue has been given to a "revenue officer". The revenue officer was also non responsive and after a few calls and voice mails, the answer was "I have 30 - 45 days to respond". Hardly an acceptable answer to someone who has NO INCOME as a result of this levy. Next step was to contact the "tax payer advocates office". Who supposedly is supposed to respond in 3 business days. This has not happened. Again, multiple phone calls, voice mails - NO RESPONSE.
I am bankrupt, unable to pay bills of any kind without assistance as a result of this levy. This certainly quite contrary to any information you have received from Commissioner Shulman.
I am reaching out to you for help, as I am at my wits end only trying survive, not get a "free ride".
Please help,
washingtonpost.com: IRS Tries Walking in Our Shoes (Color of Money, Feb. 15)
Michelle Singletary: I know things seem hopeless, but keep contacting the IRS. Call until your fingers are blue. Also, read my earlier note about the upcoming IRS Super Saturday on March 21. Find a location near you and take all your paperwork. There will be IRS employees there. At least then you will be face to face with a person from the IRS.
Explanation of $25K Debt: Happy to explain to the curious questioner:
I took a new job part way through the year, just before the housing crisis hit and had to sell my house at a serious loss. I financed the sale on the credit cards. The debt was almost $35,000 at one point.
Also, out here in business land, compensation is often highly weighted to bonuses based on economic performance -- a strange concept to people in DC, I know.
Michelle Singletary: Thanks for the explanation. Wasn't me judging.
Arlington, Va.: whoops, I just realized I forgot to file my state taxes last year. I did my federal on time. What should I do? Am I going to face a penalty?
Michelle Singletary: You may face a failure to file and penalties and fees for any tax that may be due.
Contact the state and file right away.
Annonymous: I haven't paid my taxes in several years. I recently got all the paperwork, went to an accountant and had my taxes done. I owe about $5000 before interest and penalties.
What do I do now?
Michelle Singletary: As I've told other posters, go to that Super Saturday and see what payment plan you can work out if you don't have all of the $5,000.
See this link on the IRS website
Philly, Pa. again: No, my CPA didn't e-file. Sorry I didn't make that clear. He sent me the form to mail in but he x'd out the areas for the ACH/account numbers. If I try to write the numbers over the X's will it get kicked out of the system for review by the IRS? Or should I ask him to prepare a new 1040 leaving the lines for those numbers blank so I can fill them in?
Jim Dupree: Sorry, I misunderstood your original question. If your return hasn't been submitted yet, just get your CPA to send you a form with areas left blank so you can clearly fill in your account and routing numbers. Then mail in your return.
Washington, D.C.: Hello Michelle,Hope you can help me. Other than having sold my condo last summer and broke even, my situation is the same as it was -- same employer, same single status. Should I use TurboTax or spend as much as &700 to have a CPA do my taxes this year? Would the ROI be sufficient to cover the difference between pro and TurboTax? Thank you.
Michelle Singletary: Well, the average fee to prepare a fairly simple tax return is about $200 nationwide.
So me, I'm going with TurboTax or find someone with a more reasonable fee -- again assuming your tax situation isn't complicated.
Minneapolis, Minn.: Re: Often, ANY income can stop your unemployment benefits. Sometimes, that's why a professional is reluctant to take a meanial job for sometimes less or as much as the benefits to which they feel entitled.
When did this line of reasoning become so prevalent? When did we decide that to get paid by Tax Payers for doing nothing was preferable to earning the same amount by working? There is intrinsic value in being productive.
Michelle Singletary: Honestly, I don't think it is prevalent.
I'm working with a lot of folks out of work right now and they aren't skipping and jumping with delight about getting unemployment.
They want to work.
Help, need more deductions.: To my surprise the child tax credit has been or is lowered for certain income groups. i did get a little raise but I am not realizing the full amount I got for my 4 kids. Any other ideas? for my income i can't claim education, not student loan interest either.
washingtonpost.com: From our Tax Time Special Report: 11 Most Overlooked Deductions (Feb. 15)
Michelle Singletary: Here are some links that should help.
Vienna, Va.: My sister has accumulated a large credit card debt as a result of medical bills. There are ads for debt counselors who supposedly will help you negotiate down your debt, but not all of these seem reputable.
Is it possible to get your debt reduced without declaring bankruptcy? How can you identify whether a counselor is actually going to help you, or simply charge you additional fees? How can you find someone to help you on this?
Michelle Singletary: You don't need to file for bankruptcy to get your debt reduced.
And tell your sister not to pay some crazy fee to get help. She can negotiate with her creditors herself.
Or go to this site www.debtadvice.org
Roth IRA Question: What is the maximum amount for a person over 55 setting up a Roth IRA account?
Jim Dupree: If your contributions are made ONLY to Roth IRAs, your contribution limit generally is th lesser of the following amounts:
$5,000.00 ($6,000 if you are 50 or older in 2008)
Your taxable compensation.
However, if your modified AGI is above a certain amount, your contribution limit may be reduced. Check IRS Publication 590, "Individual Retirement Arrangements."
Baltimore, MD: I am having a baby later this year - I know I can claim another dependent on my tax return for 2009 when I file in 2010. Should I adjust my witholdings now to account for the baby, even though it isn't here yet? Thanks!
Jim Dupree: Congratulations! May may or may not want to adjust your witholdings. Check the "Witholdings Calculator" at IRS.Gov to help you figure your Federal income tax withholding so your employer can withhold the correct amount from your pay.
Washington, D.C.: I owe the IRS about $700 from a few years ago. Can I set that up to be automatically paid out of my tax return this year?
Michelle Singletary: If you mean your tax refund, please, they will snatch any refund quick.
If you aren't getting a refund, contact the IRS ASAP to pay that money because interest accures daily!!!
Cincinnati, Ohio: I owe IRS taxes from a IRA distribution I received in 2002. I have heard on the radio that IRS has a program for leniency for taxpayers who can't afford to pay the tax. They have a lien on my house. I took the distribution because I could not find a job in my profession. I have been working as a substitute teacher. Please advise. Thanks for your help.
Jim Dupree: Call the IRS at 1-800-829-1040. There can be additional help available for taxpayers facing unusual hardship situations.
Michelle Singletary: I am so sorry we've run out of time. Man this hour goes by fast.
So again, your questions and time won't go to waste. I'll try to get answers to as many of them as I can.
Thanks as always for joining me on this discussion.
Editor's Note: washingtonpost.com moderators retain editorial control over Discussions and choose the most relevant questions for guests and hosts; guests and hosts can decline to answer questions. washingtonpost.com is not responsible for any content posted by third parties.
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(804) 282-9600
cost of veneers San Francisco California
lumineers in North Dartmouth Massachusetts
Advanced dental techniques now provide consumers with exciting, new options for enhancing their smiles. Revolutionary methods are now available for teeth bleaching to make smiles sparkle!
Teeth bleaching or tooth whitening lightens the color of teeth whether darkened from age, coffee, tea or tobacco. Its brightening effects can last up to five years after the treatment depending on your personal habits.
Tooth bleaching has a higher than 90% success rate. It is tough on stains but gentle on your teeth! Results vary depending on whether or not your teeth are stained from smoking, from taking certain medications such as tetracycline during tooth development, or from fluorosis, a condition occurring when too much fluoride is used.
Teeth Bleaching will not lighten fillings or artificial materials used in dental repair such as dental crowns, porcelain veneers, etc. Your dentist may discourage treatment if you have sensitive teeth, periodontal disease, teeth with worn enamel or if you are pregnant or breast-feeding.
Some teeth bleaching treatments are performed in the dental office using an in-office tooth bleaching system, such as laser bleaching. This method lightens teeth instantly.
The same results may be obtained more economically through dentist-supervised, at-home teeth bleaching, but takes longer to achieve. Some tooth bleaching systems, which bleach your teeth while you sleep, work in 10 to 14 days (or more accurately nights)! Others bleach your teeth from two to four hours a day requiring three to six weeks to complete.
It's important to know that certain types of stains respond better to different types of teeth whitening materials. In such cases, your dentist may recommend one method over another.
Research over the last five years has proven tooth whitening products to be both safe and effective. The American Dental Association's seal of approval has been given to a wide range of teeth bleaching products. Generally, the only side effect from treatment may be some sensitivity to hot and cold foods. If this occurs, sensitivity normally disappears within 48 hours.
By Brian J. Gray, DDS, MAGD, FICO
Cosmetic dentists aren't all white coats and Novocaine. There is both art and science in a dentist's day. Case in point: what appears to be more or less routine restoration of missing or broken teeth - a dental crown or a dental bridge - is akin to principles of architecture.
Think of the arch of your mouth like the roof of a house. Each element of the structure relies on another. If a rafter breaks, the entire building will, sooner or later, buckle. So it is with your teeth.
The mouth is balanced; teeth function together. One missing tooth can cause permanent changes in your bite. Neighboring teeth drift into the empty space. The opposing tooth will actually grow longer and longer, further frustrating normal chewing. You'll tend to favor one side of your mouth over another. This old house is eventually doomed.
Dentists, then, are believers in tooth restoration and dental crowns. With all the new materials cosmetic dentistry offers today, virtually any mouth can be restored to good working order. A tooth that might have been lost five years ago now has many options for renewed vitality.
And the cosmetic results that can be achieved are, well, awesome. When it comes to new dental technologies, take advantage. Your cosmetic dentist will be there when you're ready to go for it.


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Game of Thrones Season 7 is a long way from seeing the light of the day. Rumors are rife though. Lady Stoneheart is no secret, but fancy a Lord Stoneheart?
Robb Stark aka the King who lost the North is more or less a forgotten name today. In his defense, he fought in the unfortunate times and fell prey to a conspiracy. The eldest son of Eddard and Catelyn Stark didn't see much of success and died a horrendous death. Not to mention, he lost his wife and the baby in her womb too.
Popular fan theories are going around about the return of the Young Wolf in the Game of Thrones Season 7. Robb Stark's return is a debatable prospect, but is it worth it? Does Richard Madden ring a bell? The actor played Robb Stark before the character's untimely demise. Richard spoke to The Hollywood Reporter and gave some pessimistic take on the rumors.
Matter of fact, Rabb Stark went down a little too easily. He was looking like the best candidate to follow in his father's footsteps when the Frey's shenanigans took him out. Richard has no apprehensions on being forgotten from the HBO series. He isn't in a mood to entertain his comeback as a zombie in Game of Thrones Season 7 too.
According to The Song Of Ice And Fire, Lady Stoneheart's arrival is imminent in the future. Catelyn Stark is to return as a zombie and initiate a ruthless vendetta. On the other hand, fan theories gamble the prospects of Robb returning instead of his mother. Show runners might be contemplating an anomaly from the books too. Turns out, it might not be so after all.
Richard hasn't an iota of idea about the Lord Stoneheart and terms it as a paradox if not anything else. He denies the return of his character in Game of Thrones Season 7 and debunks the rumors. If he's not leading the fans astray, perhaps it's injustice to Robb Stark character. He won't have the redemption his siblings are enjoying at the moment.
Madden is, however, happy about the build up so far to the Game of Thrones Season 7. He reaffirms that there is no contact from the show runners asking him to return to his role. Additionally, Richard confesses that no rumors or speculations is trustworthy in connection to the series. He's currently keeping himself busy with his portrayal of Cosimo de' Medici in Medici: Masters of Florence.
That should sum it up for Robb Stark and the Lord Stoneheart conundrum, needless to say. On a lighter note, goddamn the Red Wedding.
Also Read: U.S. Box Office Report: Lilly James- Richard Madden Starrer Cindrella Collects $70.1M in the Opening Weekend
Photo Source: Facebook/GameOfThrones


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GraphicRiver Fairy Observes Flying Butterfly 6854089
Stock Vector \ Characters \ People
Butterfly \ YoungLittle \ Observes \ Vector \ Resolution \ Princess \ Editable
Stock Vector - Fairy Observes Flying Butterfly 6854089 by Dazdraperma @ GraphicRiver
Stock Vector \ Characters \ People
Little cute fairy observes for flying butterfly. EPS 8 (editable), JPG (high resolution)
Layered: No; Graphics Files Included: JPG Image, Vector EPS; Minimum Adobe CS Version: CS.
Boston Terrier Celebrates Saint Patricks Day; Mardi Gras Masks Design; Lucky Dancing Leprechaun; Alice Pours Tea in Cup; Squirrel for a Walk; Sheepy; Crystal Heart.
Keywords: adorable, angel, art, beautiful, butterfly, cartoon, child, clip, cute, designs, drawing, dreams, elf, fairy, fantasy, funny, girl, green, illustration, little, magic, pretty, princess, smile, sweet, tale, vector, wings, young.


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The Lucentra Corporation is dedicated towards being respectful, honest and encouraging to its employees and consumers, with the intent of giving you the best experience possible. Lucentra employees follow a code of conduct, which you can find on the right. With this code, we strive to maintain a healthy and fair environment.
The full code of conduct details the way Lucentra expects its employees to conduct themselves, and may help with any questions you have about conflicts of interest, security and financial integrity. Because we want to be our best for you, we have a high level of professionalism and wish to share our principles with you.
We want to help you with all of your business needs. We know that there are many aspects that allow a user to gain enough trust to put his or her business in another's hands. When you choose a company, you want to know that it will fulfill your needs and respect your privacy. You want a company who is going to respond to your comments and uphold a respectful, positive workplace. Practical policies and respectful employees make for a great company, so of course all of these traits are important to us.
Lucentra knows these things make for strong bonds with consumers. A strong bond always entails communication, which is why Lucentra also wants to emphasize how important it is to relay your thoughts and ask questions if they should arise. Because of this, don't hesitate to ask if you are unsure of any of Lucentra's policies. We are always striving to improve, and to do this, input is key.
Though the code of conduct is important, there are many other things you can find here to help you get to know our corporation. On this site, you can find the formal certification of incorporation, which will detail how we deal with shares, common stock, etc., under the laws of the state of New Jersey. You can also read a message from our CEO for our stockholders.
Remember that we committed to working at the highest standards in order to achieve a positive environment. The pages following should give you a much better understanding of who we are and the standards we strive towards, so you are encouraged to look over them.
Subscribe to: Posts (Atom)


text:
Words that start with clerical
Found 7 words that start with clerical. Browse our Scrabble Word Finder, Words With Friends cheat dictionary, and WordHub word solver to find words starting with clerical. Or use our Unscramble word solver to find your best possible play! Related: Words that end in clerical, Words containing clerical
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text:
The ISC Dynamic Host Configuration Protocol Distribution provides a
freely redistributable reference implementation of all aspects of the
DHCP protocol, through a suite of DHCP tools:
* A DHCP server (this port)
* A DHCP client
* A DHCP relay agent
WWW: https://www.isc.org/products/DHCP/
No installation instructions: this port has been deleted.
The package name of this deleted port was:
PKGNAME: isc-dhcp42-server
distinfo: There is no distinfo for this port.
NOTE: FreshPorts displays only information on required and default dependencies. Optional dependencies are not covered.
===> The following configuration options are available for isc-dhcp42-server-4.2.8_1:
BIND_SYMBOLS=off: Enable BIND internal symbol table
IPV6=on: IPv6 protocol support
LDAP=off: LDAP protocol support
LDAP_SSL=on: Support LDAP over SSL/TLS
PARANOIA=on: Enable support for chroot
===> Use 'make config' to modify these settings
Number of commits found: 34
Remove expired ports:
2016-03-01 net/samba4: not supported by the upstream
2016-03-01 net/isc-dhcp42-client: isc-dhcp 4.2 is End of Life
2016-03-01 net/isc-dhcp41-relay: isc-dhcp 4.1 is now End of Life
2016-03-01 net/isc-dhcp42-relay: isc-dhcp 4.2 is End of Life
2016-03-01 net/isc-dhcp41-client: isc-dhcp 4.1 is now End of Life
2016-03-01 net/isc-dhcp42-server: isc-dhcp 4.2 is End of Life
2016-03-01 devel/pear-IO_Bit: Unsupported upstream
2016-03-01 graphics/pear-IO_SWF: Unsupported upstream
net/isc-dhcp41-server & isc-dhcp42-server: Fix expiration
Should be EXPIRATION_DATE not EXPIRES
Pointyhat: me
Keen eye: danfe
net/isc-dhcp42-server: Mark DEPRECATED
This port is not receiving a patch for CVE-2015-8605
Also, set EXPIRES to coincide with 2016Q2 branch creation.
The 4.2 branch reached End of Life in March 2015. [1]
[1] https://kb.isc.org/article/AA-01259/0/DHCP-4.2.8-Release-Notes.html
Security: 05eeb7e9-b987-11e5-83ef-14dae9d210b8
Security: CVE-2015-8605
Remove UNIQUENAME and LATEST_LINK.
UNIQUENAME was never unique, it was only used by USE_LDCONFIG and now,
we won't have conflicts there.
Use PKGBASE instead of LATEST_LINK in PKGLATESTFILE, the *only* consumer
is pkg-devel, and it works just fine without LATEST_LINK as pkg-devel
has the correct PKGNAME anyway.
Now that UNIQUENAME is gone, OPTIONSFILE is too. (it's been called
OPTIONS_FILE now.)
Reviewed by: antoine, bapt
Exp-run by: antoine
Sponsored by: Absolight
Differential Revision: https://reviews.freebsd.org/D3336
Since 4.2.8/4.3.2 isc-dhcp-server started to check if prefix6 range is
within declared subnet and if prefix6 network mask is bigger or equal
subnet mask. Remove these checks and make prefix delegation work as
For reference - https://redmine.pfsense.org/issues/4829
Approved by: zi (maintainer)
Sponsored by: Netgate
MASTER_SITES cleanup.
- Replace ${MASTER_SITE_FOO} with FOO.
- Merge MASTER_SITE_SUBDIR into MASTER_SITES when possible. (This means 99.9%
of the time.)
- Remove occurrences of MASTER_SITE_LOCAL when no subdirectory was present and
no hint of what it should be was present.
- Fix some logic.
- And generally, make things more simple and easy to understand.
While there, add magic values to the FESTIVAL, GENTOO, GIMP, GNUPG, QT and
SAMBA macros.
Also, replace some EXTRACT_SUFX occurences with USES=tar:*.
Checked by: make fetch-urlall-list
With hat: portmgr
Sponsored by: Absolight
- Update to 4.2.8
Cleanup plist
Change INSTALL_DATA to install with mode 644
Remove patches and hacks that were used to work around the previous
This allows to stage more ports as a regular user
Differential Revision: https://reviews.freebsd.org/D703
Reviewed by and discussed with: bapt
With hat: portmgr
- Update to 4.2.7
- Convert to USES=libtool and bump dependent ports
- Avoid USE_AUTOTOOLS
- Don't use PTHREAD_LIBS
- Use MAKE_CMD
- Drop :keepla
- Add INSTALL_TARGET=install-strip
databases/libgda4* databases/libgda5*:
- Convert to USES=libtool and bump dependent ports
- USES=tar:xz
- Use INSTALL_TARGET=install-strip
- Use @sample
Support LIBS like LDFLAGS.
- Add LIBS="${LIBS}" to MAKE_ENV and CONFIGURE_ENV.
- Add an option helper for LIBS.
- Adjust all ports that already use LIBS. Also remove references to
PTHREAD_CFLAGS and PTHREAD_LIBS while here.
- Some ports did not support having a LIBS environment variable and
required additional patches.
Somewhat simplified a linker command line looks like:
${CC} ${src_LDFLAGS} ${LDFLAGS} ${src_LIBS} ${LIBS}
where src_LDFLAGS and src_LIBS are controlled by upstream and LDFLAGS and
LIBS can be controlled by us. If possible -L and -l flags need to be
- Unbreak botched STAGE conversion
- Bump PORTREVISION
PR: ports/188020
Submitted by: Nick <firstname.lastname@example.com>, Jason Unovitch <email@example.com>
Support STAGE
- Update to 4.2.6
- Update CONFLICTS for upcoming isc-dhcp43-* ports
Fix properties on pkg-plist
Add NO_STAGE all over the place in preparation for the staging support (cat:
- convert to the new perl5 framework
- convert USE_GMAKE to Uses
Approved by: portmgr (bapt@, blanket)
- Fix pkg-plist issue when LDAP is enabled
- Update to 4.2.5P1
- Switch to new 'created by' header
Feature safe: yes
- Update to 4.2.4P2
- Do not stop daemons at de-install, print a message instead.
- Update to 4.2.4-P1
- Update to 4.2.4
- Convert to OptionsNG
- Resolve dhcrelay6 issue with rc script that prevented it from working
- Bump PORTREVISION of isc-dhcp4?-relay ports
Reported by: Glen Neff <email@example.com>
Approved by: Douglas Thrift <firstname.lastname@example.com>, zi@
- Resolve issue where the the daemon would fail to start [1]
- Resolve issue on systems set to UTC time would fail copying /etc/localtime to
the chroot [2]
PR: ports/162447 [1]
Submitted by: Hilko Meyer <firstname.lastname@example.com> [1]
Reported by: dougb@ [2]
Feature safe: yes
- Update default location of dhcpd6.leases file in example dhcpd6.conf
Reported by: Glen Neff <glen.neff at emc.com>
- Update to 4.2.3-P2
Security: 1800886c-3dde-11e1-89b4-001ec9578670
- Update to 4.2.3-P1
- Pacify portlint(1)
Security: 93be487e-211f-11e1-89b4-001ec9578670
Feature safe: yes
- Fix devfs test issue when running on FreeBSD 10.x. (FreeBSD prior to 7.x is
no longer supported, so this test is no longer needed)
- Update to 4.2.3
Update to 4.2.2
Approved by: wxs (mentor)
Update my email address on the ports I maintain.
Approved by: wxs@ (mentor)
ISC DHCP 4.2.x includes features that were not included in DHCP 4.1.x.
These include:
Processing the DHCP to DNS server transactions in an asynchronous fashion.
The DHCP server or client can now continue with it's processing while
awaiting replies from the DNS server.
There are a number of DHCPv6 limitations and features missing in this
release, which will be addressed in the future:
- DHCPv6 includes human-readable text in status code messages, in
English. A method to reconfigure or support other languages would
be preferable.
- The "host-identifier" option is limited to a simple token.
- The client and server can only operate DHCPv4 or DHCPv6 at a time,
not both. To use both protocols simultaneously, two instances of the
relevant daemon are required, one with the '-6' command line option.
PR: ports/158516
Submitted by: Ryan Steinmetz <firstname.lastname@example.com>
Servers and bandwidth provided byNew York Internet, SuperNews, and RootBSD
No vulnerabilities have been reported in the past 14 days
* - modified, not new
All vulnerabilities


text:
Monthly Archives: August 2009
Just because my life isn't random enough…
I left my heart at the end of the line… at every stop we'd halted and with a myriad of thoughts cavorted but we'd long passed restoration point and the spark of hope was thwarted I left my heart at … Continue reading
Posted in My Poetry, Randomness, Uncategorized 6 Comments
Please accept my apologies for not responding to emails and comments in recent days, there has been and still is, something going on behind the 'scenes' of the blog, that i do not wish to blog about publically. I do … Continue reading
Posted in Out of the Depths, Uncategorized 15 Comments
Oh God. Oh God. Oh God. I am undone.
Posted in Out of the Depths, Uncategorized 20 Comments
My Free Catholic Prayer Card Endeavour!
I want to take this opportunity to write a little about how well recieved my Free Catholic Prayer Cards endeavour has been. When I started it i just went along with the 'creative flow' and didn't quite realise how far … Continue reading
Posted in Freebies and Giveaways!, Uncategorized 3 Comments
The Holy Father's Prayer Intentions Prayer Cards for September (FREE!)
The The Holy Father's Prayer Intentions Prayer Cards for September are now available for free download! Click HERE!
Daily Meditation Medication
This couldn't have arrived in my inbox at a more pertinent time…. "Every time we make the decision to love someone, we open ourselves to great suffering, because those we most love cause us not only great joy but also … Continue reading
Posted in Daily Meditation Medication, Faith Matters, Uncategorized Tagged Daily Meditation Medication 4 Comments
I heart the Catholic Church
I love the Catholic Church. I love the Holy Trinity, the Holy Father, the holy priesthood and religious, the bells, the smells, the rituals, the tradition, the Liturgy of the Word and the Liturgy of the Eucharist, the Sacrament of … Continue reading
Posted in Faith Matters, Inspiration, Just to say..., Uncategorized 17 Comments


text:
Posted 12 Dec 2011
Link to this post
Posted 13 Dec 2011
Link to this post
I was unable to reproduce the wrong behavior on my side. Please find attached the sample application which I used to reproduce the problem.
I should ask you to provide us with additional information or a sample application that demonstrates the issue.
I am looking forward to hearing from you.
Q3'11 of Telerik OpenAccess ORM is available for download. Register for the What's New in Data Tools webinar to see what's new and get a chance to WIN A FREE LICENSE!


text:
Matchup: Chuck Liddell (16-3) vs. Jeremy Horn (76-13-5)
Date: August 20, 2005
Location: Las Vegas, Nevada
Recap: The first time they met in the OctagonTM, Horn walked away with the win. Liddell came back with a whole lot of new experience and training to show the world the champion he will become.
Outcome: Liddell by TKO, Round 4
© 2017 Spike Cable Networks. All Rights Reserved.


text:
10% Off Your First Order @ The Essential One
This shop has some of the most delectable baby clothes ever. You just want to dive in there and grab them all, especially the utterly adorable Christmas baby clothes. Now you can get 10% off your first order if you use the code ESS1 at the checkout, WIN!
The items that you can find on this site range from baby wear to maternity wear and beyond. You can use your 10% discount to get some lovely items that you can buy for yourself and baby, or even for Christmas gifts for someone special.
The code is ESS1 and you will need to enter it at the checkout. I have no idea when this code expires as there is no information on the site, so take advantage of it while you can! Oh man, some of those clothes are so cute they may you want babies just so you can dress them up.


text:
Ah, Commodore, the company that brought us such great and venerable computers like the 64/128 and the Amiga. These computers really defined computer gaming in the 80's for a lot of fans that preferred keyboards to joysticks (though both were offered). As most computer users of the old days know, there were attachments for these […]
Posts Tagged 'load time'
Powered by Max Banner Ads
Prototype – Commodore 65 Found and Now on Auction Block
February 12th, 2015 Carl Williams
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text:
It's the time of year again, Bark to the Park 2017!!
I have been working in the Pawmetto Lifeline Spay/Neuter Clinic since October 2014. I have been a part of countless animals being spayed and neutered here in the midlands. On average we do about 35-45 surgeries a day, on both cats and dog. One of our missions here at the Spay/Neuter Clinic is to help the community cats in our area, we spay/neuter, give them a rabies vaccine and ear tip them. Our TRN program does roughly a thousand TRNs per year.
Please help us to help as many pet as we can this coming up year! We want to help spay/neuter as many pets as we can to help the over population in the midlands.
All donations are tax-deductable.


text:
Shakespeares Globe
Release Date: 30 October 2004 | Certificate: Exempt
£18.09 includes FREE UK Postage (other delivery options available)
Shipping Destinations for this item
UK - Shipping Included
United Kingdom
Europe Zone 1 - £1.29
Austria, Belgium, Denmark, France, Germany, Ireland, Luxembourg, Netherlands, Switzerland
Europe Zone 2 - £1.49
Andorra, Croatia, Czech Republic, Finland, Liechtenstein, Monaco, Norway, Poland, Sweden
Europe Zone 3 - £1.69
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Falkland Islands
Sorry, this product is currently unavailable.
Tells the story of the Shakespeares Globe theatre, from its reconstruction in the sixteenth century, to the present day. Features behind the scenes action, as well as footage taken from a production of Romeo and Juliet.
Release Date: 30 October 2004
Certificate: E - Exempt from Certification
Region 0
Running Time: 60 minutes
Main Language: English
For more information and our Delivery Policy see here.
For more information and our Returns Policy see here.
Catalogue No: SG71


text:
No "Functionality"
Please. Just say "function." Maybe you really mean "usability," or "usefulness."
I had intended to write this post emphasizing that the word is not in the dictionary. Only it turns out it is: It's an archaic word coined in 1871 and barely used again until it became the overused buzzword of the last year or so. Functionality is an awkward mouthful without adding any meaning.
Clear speech with no silly lingo. Your customers will thank you.
Grow and be well,
Kelly Erickson


text: Yuneec is approving waivers for removing and/or adjusting NFZ parameters! Waiting for for my "Unique Identifier" Here's how : 1).Call Yuneec and Open a Case # 2). They email you a "Release of Waiver" Form. 3). Fill it out and sign your Arrest Warrant, 'if' you fly carelessly!!! It will ask you to give full name, address and your H's Serial # and you will have to connect to the GUI to retrieve your H's Unique I.D #. 4) Scan it signed and email it in the email "Reply" sent by Yuneec with your Case# and Forum back to Yuneec and wait for ???. I sent my Form in yesterday. I use my H to fly my 333 and new 107 in farm and remote areas that may be within Class C.D and E Airspace to do some of my mapping jobs and this will free me up to follow my approvals from ATC and to 'Fly Responsibly" For those who may choose to fly "Non-respectfully" it is your "One Way Ticket to Trouble" and I highly recommend you fly responsibly and respectfully according to the "Rules and Regulations" as to not mess it up for those who do RESPECT them!


text:
Sorry, we do not have enough data to show an influence graph for this author.
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A complicated morphological reconstruction, phasic in character, occurred in the nervous plexuses of the small intestine after resection of half of it. Neurons of both the muscular and the submucosal plexus reacted in a similar way at various stages of the compensatory-adaptive changes in the remaining intestine. The principal form of the morpho-functional… (More)
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Articles in Home | Spirituality
The New World Gurus By : Viva DanaThroughout mankind there have been certain individuals whose soul energies were high enough in frequency that as they walked the Earth, they often stood out as lone icons for evolution during various periods of history.Why Humans Can't Hear Animals By : Viva DanaAll over the globe and most noticeably within the recent decade, a slow and steady mass human awakening regarding the value of the 'consciousness' of the plant and animal kingdoms has been unfolding.Understanding How You Are Connected To 'All That Is' By : Viva DanaAs more and more of us begin to see our 'energy connectedness' to everything around us, we will begin to 'create' things with more wisdom and consideration of all living things that surround us. Hence, we will begin to collectively manifest a much more peaceful world.What Is Tribal Mind? By : Viva DanaAs more and more people begin to learn how their unique souls are mass triggered by certain global events, they can begin a process of dis-egaging from tribal mind even when seeming disasters strike. This process of dis-engagement enables a soul to walk through situations that may appear difficult to others, but may in fact, not be difficult at all.Inner Awareness By : Lynn ClaridgeTo receive inner guidance is to trust in yourself and to be open to the incredible and infinite possibilities of the adventures of life that present themselves to you in your lifetime.Starting The Path To A Spiritual Journey By : Lynn ClaridgeA spiritual path is easy to miss because it is subtle. It is a path to your higher consciousness with fuller awareness. Upon entering the spiritual path, you will begin to change your perceptions and see new interpretations of reality. You will learn to heal yourself from the conditioning of childhood, societal mores and traditional thinking. You move from being unaware to becoming an empowered, conscious, loving, holistic, and fully functioning person. You will start to understand the mysteries of life.What Happens While We Sleep: A Spiritual Perspective By : Julie RedstoneThe body is a miracle of organization and intelligence in which life is continually renewed and energy continually replenished so that the total organism can continue to live. Sleeping involves part of this renewal, and is a process through which the higher vibrations of light are permitted greater access to the physical body because the emotional and mental components of personality that are often limiting factors in the awake state are no longer present while one sleeps.Embracing Your Divinity By : Linda ZanderHuman beings have lost their way in life. Linda Zander, professional speaker, helps readers get back to a spiritual path.Stop Thinking By : Dave DorganThe great Yoga master Swami Sivananda called it "knowing without thinking." We think with brains. We know with our souls, which contain the infinite knowledge of God/the universe. Both thinking and knowing have their important roles in our lives. The problem is that our ego points us away from knowing and toward thinking. That is because the ego has no place within the soul.What is Esoteric Service? By : Lincoln WellesIndividuals who are inspired by their higher selves are driven to serve the greater good. Esoteric service requires the individual be connected to higher purpose and able to invoke spiritual energy and consciousness. These individuals will help to manifest the Aquarian Age.Self-Evidence of Divine Presence By : KajomThe Divine Presence is within everyone of us although it is something that we do not see. Yet, there is self-evidence of it that is simple to detect. It is so simple and powerful, yet we fail to give attention to it even for five minutes of our day.The Spiritual Ecology of Evolution By : jgrafAn article by Insight21 that presents alternative views on evolution, including the perspectives of Peter Kropotkin and Rudolf Steiner.The Spiritual Ecology of the Boreal Forest By : jgrafThe Earth Vision project presents to the reader an experience of spiritual ecology in the northern boreal forest.A Spiritual Ecology of West Coast Rainforest By : jgrafAs presented by the Earth Vision project, an experiential foray through west coast nature, from a deep ecology perspective, using poetic prose as a vehicle.What is Spirit By : Shirley MarottaWhen you ask the question what is Spirit? You open the door to many interpretations. I am giving here my understanding (from my reading and exploration) of what Spirit is to me.The Limits of Mysticism - Eckhart Tolle Meets Anthroposophy By : jgrafAnthroposophy versus mysticism - a comparative exploration of key modern spiritual paths, using the perspectives of Eckhart Tolle, Rudolf Steiner, and Georg Kuhlewind.Everyday Spirituality By : Shirley MarottaEveryday spirituality is found within all of us. Look past the physical, look beyond it into each individual's spiritual center. Use your awareness to recognize it in all beings.3 Reasons Why Nag Champa Incense Sticks Are Symbolic By : Faith LambWhy are Nag Champa incense sticks used by so many religions and spiritual movements, and by so many people at home? What is the symbolism behind burning incense, and what is burning incense supposed to achieve?Color Psychology and Spirituality By : Rose GreenwoodColor symbolism has always played a major role in religious symbolism and religious rituals. Each color has a different meaning that may vary from religion to religion. Learn more about color psychology and spirituality.Nature Spirits: Guardians of the Earth By : Rose GreenwoodTraditions of nature spirits have existed in highly diverse cultures around the world for centuries. Read more about the fascinating traditions of nature spirits here.Lifetimes of the Ascended Master El Morya By : Rose GreenwoodThe ascended masters once walked the earth the same as we do. They had lifetimes in which they perfected various soul and character qualities. A study of specific lifetimes of the masters helps us to understand what is required for true self-mastery. Learn about the lifetimes of El Morya.Lifetimes of the Ascended Master Serapis Bey By : Rose GreenwoodSerapis Bey is an ascended master recognized for his devoted to discipline, excellence and purity. He is the lord or chohan of the 4th ray. Two of the more well-known lifetimes of the ascended master Serapis Bey are that of Amenhotep III and King Leonidas. Learn more here.Lifetimes of the Ascended Master Hilarion By : Rose GreenwoodThe ascended masters are souls who have learned all of their lessons on earth and no longer need to take incarnation among men. Unsurprisingly, the ascended master Hilarion's final incarnation was as Saint Hilarion. Learn more here.Lifetimes of the Ascended Master St. Germain By : Rose GreenwoodThe ascended masters are similar to patron saints. They have learned all of their lessons on earth and no longer need to take incarnation among men. The ascended master St. Germain is the master of the seventh ray. Learn more here.From The Beginning of Time, People Have Traveled To Sacred Sites By : Why is it that people engage in a spiritual journey or spiritual retreats? From age-old stone circles and jungle-tangled pyramids to mountaintop shrin
Start your own metaphysical business. Your store comes preloaded with 4,000+ products! We install everything for you. Sell metaphysical books, incense, healing & aromatherapy products, crystals, tibetan singing bowls, hindu items, buddha and goddess items, reiki products, new age jewelry, candles, pendulums, angel products, meditation & yoga supplies, etc. All products can be dropshipped directly to your customers -- this means you carry NO inventory or mess with any shipping hassles. Add, edit, delete products as you wish. Comes with shopping cart, search engine, newsletter, and much more. (Read More)
Here's your chance to get your very own witchcraft superstore, and at a very low price. This store is BIG, and has everything you could want to sell. It comes preloaded with 6,000+ products! Sell Crystal Balls, Cauldrons, Tarot Decks, Books, Herbs, Incense, Spell Kits, Candles, Statues, Jewelry, Music CDs, DVDs, Spell Kits, Runes, Psychic Boards, and on and on! All products can be dropshipped directly to your customers -- this means you carry NO inventory or mess with any shipping hassles. Your store comes with a shopping cart, search engine, newsletter, moon phases box, and much more. (Read More)
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This None home is located at 7330 Ccc Rd in Fairview. 1723242 was built in 0 and has 0 bedrooms7330 Ccc Rd, Fairview - MLS 1723242 Close
Land for sale in Fairview, TN at 7330 Ccc Rd. This spring land is priced at $4,487/acre.
Unimproved tract w/ great views, natural springs, private woods, & tons of road frontage.
Listing information last updated on November 25th, 2017 at 3:26am CST.
Have any comments or questions about 7330 Ccc Rd, Fairview, TN? Ask your question and/or share your thoughts about this property.


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Take care of yourself with a free health check at Friendlies. HBF members on select products can get a fully covered health check at selected Friendlies pharmacies.


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May 6 - 10, 2018
August 19 - 23, 2018
January 13 - 17, 2019
August 18 - 22, 2019
January 12 - 16, 2020
KAUAI (add-on)
May 10 - 13, 2018
August 23 - 26, 2018
January 17 - 20, 2019
August 22 - 25, 2019
January 16 - 19, 2020
Travel, Landscape, Seascape, Nature and Wildlife Photography
-5 Days or 8 Days
-Only 4-8 Guests
-Photographer | Guide
-4 or 5 Star Hotels
-2 Dinners
-Local Transportation
Oahu and Kauai... Two amazing photographic adventures
Seascapes, landscapes, nature, people and underwater photography.
Hawaii, undoubtedly, is home to some of the most beautiful islands in the world. Aside from it's breathtaking natural beauty, the Hawaiian Islands are full of outdoor activities and adventures. Two of the islands we will be visiting are Oahu and Kauai (an add-on extension). With their pristine beaches, friendly local people, world-class surf and diving, and tropical rain forests filled with waterfalls, Oahu and Kauai make the perfect destinations to learn and grow your photography skills. The wide range of activities allows for memorable, once-in-a-lifetime opportunities you will never forget.
Sometimes called "The Gathering Place," Oahu certainly lives up to its name. The third largest Hawaiian island is home to the majority of Hawaii's diverse population, a fusion of east and west cultures rooted in the values and traditions of the Native Hawaiian people. It's this fundamental contrast between the ancient and the modern that makes discovering Oahu so enjoyable. The North Shore of Oahu and its surrounding beaches are sought after by the best surfers in the world, where we will explore the wonders of wave, nature, landscape, seascape and underwater photography.
This adventure is designed not only to guide you to the most photogenic locations carefully planned for the best light, but to aid you in mentally visualizing a scene before capturing the decisive moment. Our aim is to raise your awareness and spark your creativity so that you not only go home with images to be proud of, but use your new found skills to improve and expand your photographic technique in general. Apart from the technical aspect of learning your camera settings and capabilities, you will learn how to turn an ordinary image into an extraordinary image by using your own creativity.
In addition, you will become knowledgeable on how to survey the landscape, utilize and approach your environment, photograph people indigenous to the region and the cultural considerations and challenges of photographing in a foreign country. Our time together will include individual and group discussions, inspiring ideas and great fun. We cannot think of a better location to express your creativity than the extreme diversity, color and sunshine of Hawaii. Aloha!
Group Size
4-8 Guests
Experience | Difficulty
Beginner, amateur, enthusiast and semi-pro photographers
DSLR, mirrorless, compact or iPhone cameras
Busy schedule
Travel by car and minibus
Considerable elevation changes and lots of walking and hiking
(non-photographers also welcome)
Photographer | Guides
Anthony Tortoriello | May 6-10/13, 2018
Anthony Tortoriello | August 19-23/26, 2018
Anthony Tortoriello | January 13-17/20, 2019
Anthony Tortoriello | August 18-22/25, 2019
Anthony Tortoriello | January 12-16/19, 2020
Weather | Sun
January - Temps 78/65 F 25/18 C Sunrise 7:13 | Sunset 6:07 (18:07)
May - Temps 81/70 F 27/21 C Sunrise 5:56 | Sunset 7:01 (19:01)
August - Temps 85/75 F 30/23 C Sunrise 6:13 | Sunset 6:55 (18:55)
Travel, landscape, seascape, architecture, nature and people photography
Professional photographer | guide
Photo walks & discussions
Small group size (4-8 guests)
4 or 5 star hotels
2 Dinners
Local transportation
Oahu - Turtle Bay Resort, Marriott's Ko'Olina Beach Club or similar
Kauai - On Kauai we stay in beautiful and quaint Bed & Breakfasts
Travel Information
Arrival & Departure Airports: Honolulu, Hawaii (HNL)
Our adventure begins at 11 AM on the first day and ends at noon on the last day.
Travel Visa: A visa may be required depending on your nationality. Go to Visa Map to find out.
Optional Excursions
Aerial doors-off airplane or helicopter flight (additional fees apply)
Shark photography
Dolphin photography
Photo Adventure Vacation | May 6-10, 2018: $4,595
Photo Adventure Vacation | August 19-23, 2018: $4,595
Photo Adventure Vacation | January 13-17, 2019: $5,095
Photo Adventure Vacation | August 18-22, 2019: $5,095
Photo Adventure Vacation | January 12-16, 2020: $5,395
Kauai Extension | May 10-13, 2018: $3,595
Kauai Extension | August 23-26, 2018: $3,595
Kauai Extension | January 17-20, 2019: $3,995
Kauai Extension | August 22-25, 2019: $3,995
Kauai Extension | January 16-19, 2020: $4,195
Single Supplement: $600 (5 day) $400 (3 day)
(Optional) Early Arrival Hotel Room: $350
(Optional) Late Departure Hotel Room: $350
Deposit: $1000
*All prices are per person and based on double occupancy. Please select single occupancy for a private room. For your convenience we offer optional early arrival and late departure accommodations so you can extend your stay before or after the trip. We typically stay in boutique hotels in the 4-star category. Not all destinations offer these types of properties. We look for unique hotels which offer cultural, historic and/or authentic features. Depending on the size of the group, smaller boutique hotels may have limited room inventory. In some countries or in remote locations, we may be limited to lodges or branded chain hotels. Breakfast is included only if included in our room rates.
Sunday (1) Oahu - North Shore - Pipeline- Sunset Beach - Haleiwa
We begin our day on the beautiful North Shore of Oahu and check into the magnificent Turtle Bay Resort. At lunch we will discuss PWA's "10 Guiding Principles of Photography" as well as our "THE ART OF SEEING" photographic technique. During a group lunch, we will have informal discussions on what our guests are trying to achieve in their photography, subject matters, styles and techniques. Afterwards we don't waste any time cruising the North Shore's local hot spots such as Sunset Beach and the Pipeline, checking out the surf while working our way to a gorgeous sunset destination. We'll focus on the action and the use of faster shutter speeds while shooting moving surfers carving up the Pipeline, and what works best for capturing the action. This is a beautiful introduction to Hawaii and the North Shore lifestyle. We have a favorite beach to capture sunsets when the waves are up, so we promise not to disappoint! After a great day of photography we wind down for our famous "Welcome Dinner" in the historic town of Haleiwa. Aloha! (D)
Monday (2) Oahu - West Shore
On Monday we take a drive to the west side of the island, the side of Oahu that holds the most magic and beauty in our eyes. Since weather is always a factor in Hawaii, deciding whether to shoot from the water or shoot from shore is always dependent on the waves and weather. Either way there is an abundance of subject matter ranging from gorgeous sweet smelling plumeria flowers and Hawaiian sea turtles (honu), to landscapes, beaches, waves, surfers, body boarders, locals and rainbows. You get the idea! We'll look to get many paradise style shots of some of Hawaii's most sacred valleys and land, as well as an amazing sunsets. We will "talk story" as the locals like to say about photography, as well as expose you to many local Hawaiian ways. We prefer to stay away from the tourists and blend in with the locals, capturing their vibe and lifestyle. We will spend the day playing, exploring and taking our time answering any questions along the way as we discover different creative options for capturing the beauty. (B)
Tuesday (3) Oahu - Hanauma Bay - North Shore - Makapuʻu
On day three we take a very early drive to the east side of the island… the Windward side. Here we will catch sunrise at Hanauma Bay and follow up with a light breakfast. From there we can grab our snorkel gear and head down to the bay, jump in the water and see some of the most beautiful and colorful sea life, such as tropical fish and honu/sea turtles. In abundance, up close and personal. We'll discuss taking quality underwater images and go over our camera settings, GoPro settings, and if you are using an iPhone with an underwater housing, the best way to prepare it before entering the water. From here we will work our way back to the North Shore taking the scenic route, stopping along the way for more and more amazing photos. If we have time we will stop at a gorgeous local arboretum which has plenty of natural beauty. For lunch we will stop at one of our favorite little places for a healthy lunch… their fish tacos are AMAZING! We will be on the North Shore for sunset choosing our destination wisely and wrap with dinner. On our way we will find beautiful Hawaiian outlooks where we have options for short hikes and/or photo oops that are iconic Hawaii views such as Makapu'u, Sandy's Beach, a local blow hole, and more. Aloha! (B)
Wednesday (4) Oahu - Farmers Markets - Dolphin Tour
Day four is a flexible day depending on the weather and the vibe of the group. We'll surprise you with some amazing opportunities, and promise not to disappoint. A visit to local farmers markets, the Dole plantation, small towns and gift shops, capturing travel photography as the day unfolds. This is the island way of life. A dolphin tour is a great way to see and experience spinner dolphins and bottle nose dolphins. Either way you are sure to enjoy todays agenda. After a long day, we head back to our hotel and end the evening with a wonderful "Farewell Dinner." remembering all the great experiences throughout the week. (B) (D)
Thursday (5) Oahu - Turtle Bay
We begin our last day in Hawaii with another Hawaiian sunrise. From there we will work our way slowly back to the resort. We will take advantage of every last second seeing and capturing as much magic as we can before the morning is over. Before we checkout we will review our past week's photos, trade contact information and bid you farewell before parting ways. We encourage you to extend your stay in Hawaii, or join us on our magical 4 day extension to Kauai, and make good use of everything you will have learned on our photo adventure. Aloha! (B)
Kauai 4-Day Add-On Includes
Travel, landscape, seascape, nature, people and underwater photography
Professional photographer | guide
Photo walks & discussions
Domestic flight Oahu to Kauai
Bed & Breakfast Inns
Local transportation
Thursday (1) North Shore
Those who attended our Hawaii Photo Adventure will remain at the Turtle Bay Resort and enjoy a relaxing afternoon and evening. We will focus on photography in and around Turtle Bay. We will be available on this day to review photos and discuss photography. (B)
Friday (2) Kauai - Northern Shores
On Friday we rise early for a morning flight to Kauai, where we will begin our adventure. First by working our way slowly up the north side of the island where we will eventually catch the sunset at the end of the day. Although Kauai and Oahu are neighboring islands, they possess a very different vibe. Our drive up to the north side of the island will be epic. We will stop at two waterfalls along the way that will leave your speechless! We will work on long exposure techniques utilizing ND filters and slow shutter speeds. Here we will be freezing and blurring the falls to make for a more artistic and creative image. We will also explore the use of polarizer filters to bring out the colors of the rainbow from either the rainbows or the spectrums from the waterfalls spray. From there we will grab a light lunch and continue onward. We will stop at local quaint villages and remote beaches we know about. Kauai will not disappoint and is sure to be a life changing experience with plenty of photo opportunities. Kauai is a truly religious and sacred island. Finally we will capture the sunset at a little secret spot on the North shore where we will spend the final moments of light and reflect on the day. Afterwards, we checkin to our B&B and head somewhere special for dinner. (B)
Saturday (3) Kauai - Western Shores
We checkout after breakfast and begin our journey to the west side of the island to view and photograph beautiful vistas and attractions such as lighthouses, blowholes, and other Hawaiian beauties. Depending on the weather and the day we can take it easy and go with the flow of the island, the Hawaii way. West Kauai is an remarkable blend of spectacular natural wonders and Hawaiian cultural landmarks. Awe-inspiring Waimea Canyon is just the beginning. The West Side is home to a few of Kauai's most historic places and scenic wonders, the most famous of which is the breathtaking Waimea Canyon, the "Grand Canyon of the Pacific." Beyond the gorges and cliffs of Waimea Canyon we will visit Kokee State Park where we'll find yet another amazing view from the Kalalau Lookout. The two small towns of Waimea and Hanapepe also grace the West Side and where in 1778, Captain Cook first landed in the Hawaiian Islands. We'll end our day at our B&B. Aloha! (B)
Sunday (4) Kauai - Oahu
On Sunday morning we set out for some final photos before returning to our B&B for a "Farewell Breakfast". We'll review our Kauai photos, trade contact information and head to the airport for our return flight back to Oahu. Aloha! (B)
May all who come as guests... leave as friends®
Options and Benefits
Private Guided Tours & Adventures
We offer amazing private guided photo adventures, cultural tours and vacations for individuals, couples, families and groups. We can customize any of our published adventures, as well as others, to meet your individual needs, schedule, budget and interests. This may include the finest 5-star accommodations, business-class travel, and private guides and fixers who are able to make the impossible possible. If you are not interested in a photo-centric vacation, but you love our approach to private travel, we will be happy to design and deliver an amazing adventure focused on travel, culture and cuisine. Click here to request a quote. Feel free to call us at 1-888-834-0288 or contact us for more information.
Travel Insurance
We offer travel insurance through Travelex. The cost for travel insurance can be as low as 4% of the total trip cost, depending upon age and other factors. Knowing you have trip cancellation coverage can make a big difference should you have to cancel for some unforeseen reason. Travelex Insurance Services is a BBB Accredited business with an A+ rating. Click here to get a free quote.
Blog & eNews
Gift Certificates
Private Online Lightroom & Photoshop Tutorials
We offer private online Lightroom and Photoshop photo editing tutorials for individuals who would like to improve their post-processing skills. Each is customized to meet your individual needs, schedule, budget and interests. We provide you with one-on-one discussions using online connectivity. Many of our Photo Adventure guests select our online post-processing as an extension to their trip. Click here for more information.
Combination Tours
You can SAVE by combining two or more back-to-back photo adventures. Call us at 1-888-834-0288 or contact us for more information.
Loyalty Club**
All registered guests on 6 day or longer Photo Adventures are automatically enrolled in our Loyalty Club. You will receive a $200 discount on your next Photo Adventure. After attending just 3 Photo Adventures, you've reached "Gold" status and a $300 discount good toward future Photo Adventures. After attending 6 Photo Adventures, you've reached "Elite" status and a $500 discount good toward future Photo Adventures. Elite status guests also receive other benefits such as additional discounts, special offers, room upgrades (when available), and more. Click here to learn more.
**LOYALTY CLUB: Loyalty discounts only apply to 6 day or longer Photo Adventures. The discount is applied to the Photo Adventure fee when booked directly through our website, and cannot be added to or combined with any "pay in full", "pay in advance" or "discounted specials". This discount cannot be combined with any other offer. Your discount will be applied to your final payment. Only one discount per person, per adventure. This discount has no cash value. Polar Adventures are excluded from this offer. Loyalty Club status will be eliminated after 3 years of inactivity.
NOTE: We reserve the right to change hotels based on availability and pricing. Not included in your rate are alcoholic beverages, unscheduled meals, travel to and from our destinations, airport transfers, travel insurance and any optional excursions you may choose to book on your own or as a group. Breakfast is usually included unless it is not offered in our hotel package. As is standard in the travel industry, all accommodations are based on double occupancy. Please choose the private room / single supplement option if you prefer your own room. Double occupancy can only be offered if you are traveling with a guest. We reserve the right to change events and schedules throughout the itinerary due to adverse weather conditions or complications that may arise that are out of our control. Our number one priority is always the safety of our group.
For more information Email us or call us at 1-888-834-0288
© 2008 - 2017 Photo Workshop Adventures LLC All Rights Reserved. Website design by Red Octopus


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Carpenter Ant Kit #1
Buy Now
George writes,
Don't bite the granules, ignore the liquid bait... What to do next?
I have discovered a newly established nest(s) of carpenter ants in the soil of the yard (they moved from the neighbor's yard couple of weeks ago. I caught them when they were transporting the eggs. I sprinkled the granules (past weekend) around the nest entrance, but they had very little to no interest. I put some liquid MaxForce bait in the bait station - no interest whatsoever. I even sprayed them with Dominion 2L when they were moving their eggs (about 2-3 weeks ago). So far, they feel very comfortable where they are. Although I have seen some dead ant bodies that ants carry back to the nest(s), nothing else changed. Any suggestions please?
We recommend that you do a complete perimeter treatment with the Dominion 2L. Dominion 2L can take 3-4 weeks to kill off an entire ant colony but if the ants come into contact with the treated area it will eventually kill them. Treating with Dominion 2L eliminates the need for the ants to accept baits. There are certain species of ants that do not readily accept bait and you may have misidentified the ants you are seeing as Carpenter Ants. There are certain species that develop what is known as trophic eggs and that is what is fed to nest-mates and there are other species that more or less farm aphids and they consume the honeydew that is produced by the aphids.
Answer last updated on: 07/12/2011
3 of 3 people found this answer helpful. Was it helpful to you? Yes No


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Makeup Applicators
Get perfectly precise lines, beautifully blended hues and spectacularly shaded surfaces with these top-notch makeup applicators and tools. Designed to help simplify your beauty regimen while giving you all the control, the right set of beauty tools can help keep your space clean and sanitary while simultaneously providing professional-level functionality. With a new set of makeup brushes, sponges, applicators and powder puffs, you can easily take on all the super complicated makeup endeavors you've always wanted to try.
Give your routine a professional upgrade with one of our all-inclusive cosmetic brush sets. EcoTools offers two sleek, natural-looking sets that provide specialized cosmetic tools made from natural and recycled materials. The Six-Piece Bamboo Makeup Brushes Set comes with five high-quality brushes inside a natural cotton and hemp case that's great for travel. A smaller, four-piece version is ideal for tossing in your purse for on-the-go touch-ups. Both of these varieties feature both large bamboo makeup brushes for applying your powder foundation, blush and bronzer, plus small bamboo makeup brushes for contouring and coloring around the eyes.
If you want to build up your beauty arsenal from scratch, check out some of our cosmetic applicators, sponges, makeup wedges and powder puffs. CoverGirl, Studio Basics, Sunmark and Premier Value offer affordable and sanitary makeup tools designed just for a few uses. Sponge tip makeup applicators are a must-have for makeup-lovers who are all about the daring lid, and we carry a huge variety of colorful and fun sponge tip brushes for lining, shaping and contouring around the eyes. Be sure to take advantage of The Online Drugstore's free shipping on beauty tools when you spend $49 or more.


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SHARC offers swimming classes for special needs children
Shrewsbury – Beginning Sunday, June 1, Shrewsbury Health & Racquet Club (SHARC) will be offering SHARC Special Swimmers, a program specifically built to provide a positive, welcoming, fun atmosphere for those with special needs. Their certified swim instructors will work with all children ages 4-17 in private and semi-private lessons. SHARC's instructors understand that each child learns differently, and has had different experiences in the water.?To help ensure that each child has the best experience, an individual lesson plan will be created for each swimmer.
SHARC is located at 3 Tennis Drive, Shrewsbury. For questions and scheduling regarding SHARC Special Swimmers, contact email@example.com or call 508-845-1000. For more information about SHARC's aquatic programs, visit www.shrewsburyclub.com/sharc-aquatics.
Short URL: http://www.communityadvocate.com/?p=49591


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With Autumn pouring its orchard fruits on us, inspiration is knocking on the door every day! Joshua and Caleb from Twins Kitchen visited us for an informal chat and a little work around rye sourdough and the above dessert. I loved the way the Twins approached the filming and the way we chatted along the … Read more
Autumn Fruit Salad & Farm Cider Ice CreamOctober 21st, 2012 | Posted by in Daily life... - (4 Comments)
Live show with Crystal Kwok on RTHK Radio 3December 29th, 2011 | Posted by in Books | Daily life... - (2 Comments)
Friday 30th of December, just after the news at one, I'll have the honor to be the guest of star host Crystal Kwok for her live show "Kwok Talk" on RTHK3 – and let me tell you, I'd better be ready to talk! Whilst a more visual broadcast (hint hint) is on its way, I … Read more
Pastry contest: Life never tasted so good!September 29th, 2011 | Posted by in Classes & Demo | Daily life... - (2 Comments)
When I was 5 years old, my mom always told me that happiness was the key to life. When I went to school, they asked me what I wanted to be when I grew up. I wrote down "Happy." They told me I didn't understand the assignment and I told them they didn't understand life. … Read more


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Long-time subscriber Richard wrote with a .NET Framework 4 problem I hadn't experienced, but had read about…
Hi Terry
Security Update for Microsoft .NET Framework 4 on XP, Server 2003, Vista, Windows 7, Server 2008, Server 2008 R2 for x64 (KB2804576)
I can't get the above update to install. I've tried everything I can think of (or can do with confidence..!!) including: running Windows Update Diagnostic tool, Microsoft's NetFix repair tool, down loading the file and trying to install direct (as opposed to Windows auto update), running Microsoft's PC Helper 360, and trying to install the update in safe mode. I've also tried turning off Windows Update Service, deleting the logs, turning the Update Service back on and then trying to install it.
Checking the reported error code 643 doesn't help. Every time I turn off the computer, it tries to install the update without success.
The only thing I haven't tried is deleting Net Framework 4 Client Profile (using either Windows add/remove or Revo in Advance mode) and then running Windows Updates again. I'm hesitant to do this as I appreciate some programs require NET Framework 4 to run and I don't want to 'mess up' my computer.
O.S. Windows 7 Professional (x64) Service Pack 1 (build 7601).
Knowing it's important to install these security updates I hope you can advise. On visiting many web sites researching the problem, I note many others are having the same issue and it's by no means unique to me.
Best regards
I wrote back to Richard to tell him that I heard a similar problem from someone else who couldn't install a .NET Framework 4 update.
The solution that worked for her was to uninstall all the .NET Framework 4 components, reboot, and install it again.
Hi Terry
Additional info re trying to install Microsoft .NET Framework 4.
Best regards
(click on the image for a larger version)
In a follow-up email to Richard, I pointed out that it appears he tried to install .NET 4 over itself, as the log reports "Operation: Repairing" ane the error refers to the "Repair" not succeeding.
If it had been a clean install, I would not expect an error message to refer to "Operation: Repairing" and "Repair did not succeed."
I suggested that he download the stand-alone version of .Net (from the Microsoft Download pages), rather than trying to use the Web Install version or doing via Windows Updates.
The order:
- Download
- Uninstall
- reboot, then
- Reinstall.


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Car Mechanics is packed with essential advice on maintaining and repairing popular makes and models of cars. It's an invaluable motoring resource that can appeal to the DIY car enthusiast at home and the more experienced motor trade professional alike.
Published on the third Thursday of every month, each issue of Car Mechanics is packed with a wealth of technical features, written by industry experts in a straightforward, easy-to-follow style:
Tips from the Trade insider knowledge and advice
Help! readers' motoring queries answered for free
Diagnostics Doctor readers' diagnostics problems resolved by experts
Electronic Diagnostics professional problem-solving on modern vehicles
Used Car Guides on a specific model
Parts Finding Guides on popular vehicles
Service Bay how to maintain your vehicle at home
Plus competitions, consumer legal advice, motoring news, the latest gadgets and
tools on the market and more.
Martyn Knowles


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Champion AC
- 4729 Shavano Oak
- San Antonio, TX 78249 | View Map
- (210) 699-0022
- https://www.championac.com
Business Description:
- Champion AC is a full service air conditioning and heating company located in San Antonio, TX. We offer AC repair, AC replacement and annual maintenance plans.
- heating & air conditioning
- Request an appointment
Angela's Review
I will use Champion AC again and have already reccomended to my friends. The service was great. Overall a good experience and great value.