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Consumer Compliance Outlook > 2009 > Second Quarter 2009
by Kenneth J. Benton, Consumer Regulations Specialist, Federal Reserve Bank of Philadelphia
This article is the second installment of Outlook's review of the December 2008 amendments to Regulation Z's open-end credit sections made by the Board of Governors of the Federal Reserve System (Board).1 In the First Quarter 2009 issue, we reviewed the extensive changes to credit card application and solicitation disclosures. In this issue, we review the remaining changes for account-opening disclosures, periodic statements, change-interms notices, and advertising. Other changes involving convenience checks and payment cut-off times are also discussed.
The Board's final rule amends §226.6 of Regulation Z regarding account-opening disclosures that creditors must provide for open-end consumer credit products (excluding home-secured open-end credit). The amendments respond to the problem of information overload, whereby creditors provide consumers with account disclosures that are lengthy, dense, and complex. The Board found through consumer testing that the Schumer box disclosures currently required for solicitation and application of credit cards are very effective in combating information overload by succinctly disclosing critical information about the terms and fees of credit card products in a one-page table format. The final rule requires creditors to disclose critical information at account opening in a table similar to the Schumer box. This requirement to provide certain information in a table at account opening applies not only to credit card accounts but also to other types of open-end plans. The information required to be disclosed in the account-opening table is similar to the information required to be disclosed in the Schumer box for credit card applications and solicitations, including annual percentage rates (APRs), fees for issuance or availability of credit, minimum or fixed finance charges, transaction fees, and penalty fees. A creditor is permitted to disclose additional account information outside the account-opening table but is not required to do so. Model form G-17(D) on page 3 provides an example of an account-opening table for an open-end plan not involving a credit card.
Interest Rate and Interest Charges | |
APR for Cash Advances | 18.00% |
Minimum Interest Charge | If you are charged interest, the charge will be no less than $1.50. |
Paying Interest | You will be charged interest from the transaction date. |
Fees | |
Annual Fee | $20 |
Penalty Fees | |
$10 |
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. |
Section 226.6 currently requires creditors to disclose finance charges and other charges in the account-opening disclosures. Certain fees do not have to be disclosed under Regulation Z because they are not considered finance charges or other charges. However, it is not always clear when a charge falls within the category of finance charge or other charge or is not subject to disclosure under Regulation Z. To address this issue, the final rule identifies the charges that must be included in the account-opening table.
The account-opening table must be given in writing and before the first transaction under the plan. For charges not required to be disclosed in the account-opening table, creditors are given the option of disclosing those charges before the first transaction or later, as long as they are disclosed before the cost is imposed. These disclosures can be made orally or in writing. For example, a fee to receive a copy of an old periodic statement is not required to be disclosed in the account-opening table. Thus, a creditor could either disclose that fee at account opening or a relevant later time, such as when the consumer requests the old periodic statement.
The Board's rationale for this change is that many years can pass between the time a consumer receives initial account disclosures and the time the consumer requests a service subject to a fee listed in the account disclosures. Few consumers can recall the details of initial account disclosures provided to them many years ago. By allowing creditors the option of not disclosing certain fees in the initial account-opening disclosures but allowing those fees to be disclosed when the consumer requests the service that is subject to a fee, the final rule permits disclosures that are much more timely and relevant for consumers.
Finally, to help consumers who have applied for a subprime credit card without realizing it involves a low credit limit and substantial fees to open the account, the final rule requires issuers to provide a notice to consumers at account opening of their right to reject the card when account-opening fees have been charged to the account but the consumer has not used the card. Consumers exercising this right would not be responsible for the fees.
The final rule makes significant changes to §226.7's disclosure requirements for periodic statements. Consumer testing revealed that consumers better understand the information disclosed on a periodic statement about interest and fees when the items in each category are grouped together. Accordingly, the final rule requires creditors to itemize separately all interest charges according to transaction type (e.g., interest on purchases or interest on cash advances) and to group all fees together and separately identify them (e.g., over-the-credit-limit fee).
Testing also showed that consumers more easily understand the cost of credit during the billing cycle when the total dollar amounts incurred for fees and interest are each disclosed. Therefore, the final rule requires periodic statements to provide separate listings of the total fees and total interest incurred, both for the period covered by the periodic statement and for the year-to-date. Model form G-18(A) on page 17 provides an example of how these disclosures would appear on the periodic statement.
Transactions | |||||
Reference Number | Trans Date | Post Date | Description of Transaction or Credit | Amount | |
5884186PS0388W6YM | 2/22 | 2/23 | Store #1 | $2.05 | |
0544400060ZLV72VL | 2/24 | 2/25 | Store #2 | $12.11 | |
854338203FS8000Z5 | 2/25 | 2/25 | Pymt Thank You | ||
55541860705RDYDOX | 2/25 | 2/26 | Store #3 | $4.63 | |
Fees | |||||
9525156489SFD4545Q | 2/23 | 2/23 | Late Fee | $35.00 | |
56415615647OJSNDS | 2/26 | 2/26 | Cash Advance Fee | $5.00 | |
84151564SADS8745H | 2/27 | 2/27 | Balance Transfer Fee | $23.55 | |
256489156189451516L | 2/28 | 2/28 | Cash Advance Fee | $5.90 | |
Interest Charged | |||||
Interest Charge on Purchases | $6.31 | ||||
Interest Charge on Cash Advances | $4.58 | ||||
2012 Totals Year-to-Date | |||||
Total fees charged in 2012 | $90.14 | ||||
Total interest charged in 2012 | $18.27 |
Another important change to the periodic statement is that the Board eliminated the effective APR disclosure (also referred to as the historical APR). The effective APR was intended to disclose to consumers their total annualized cost of credit during each billing cycle. In the proposed rulemaking notice, the Board solicited comment on whether to eliminate this disclosure because it is not well understood by consumers. During the rulemaking period, the Board attempted to improve consumer understanding of the effective APR by testing modified versions of this disclosure, but most consumers still did not understand it. However, testing revealed that consumer comprehension of the total cost of credit increased significantly when information about fees and interest charges were separately listed in the periodic statement for both the period and for the year-to-date, as the final rule requires and as shown on the following page in model form G-18(A). The Board, therefore, eliminated the requirement for the effective APR disclosure.
Another important change concerns two new warnings that must appear on periodic statements as a result of amendments to the Truth in Lending Act (TILA) in the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAPCPA).2 Section 1305 of BAPCPA requires a warning about the possible consequences of making a late payment, while §1301 requires a warning about the consequences of making only the minimum payment.
For the late payment warning, the final rule requires creditors to disclose on the front of the periodic statement the due date and, in close proximity, the late fee and the penalty APR that could be triggered by a late payment.
For the minimum payment warning, the final rule requires three new disclosures on periodic statements for credit cards only: 3 (1) a warning that making only the minimum payment will increase the interest paid and the time it takes to repay the balance, (2) a hypothetical example of how long it would take to pay a specified balance in full if only minimum payments are made, and (3) a toll-free number consumers can call to obtain an estimate of how long it would take to repay their account balance using minimum payments. The minimum payment disclosure must be grouped together with the due date and late payment disclosure above. Model form G-18(D) below provides an example of how the hypothetical warning could be displayed along with the late payment warning.
Payment Information | |
New Balance | $1,784.53 |
Minimum Payment Due | $48.00 |
Payment Due Date | 4/20/12 |
Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a $35 late fee and your APRs may be increased up to the Penalty APR of 28.99%. | |
Minimum Payment Warning: If you make only the minimum payment each period, you will pay more interest and it will take you longer to pay off your balance. For example, if you had a balance of $1,000 at an interest rate of 17% and always paid only the minimum required, it would take over 7 years to repay this balance. For an estimate of the time it would take to repay your actual balance making only minimum payments, call 1-800-XXX-XXXX. |
Testing revealed that consumers better understand the consequences of making only minimum payments when the disclosure is based on their actual account balance instead of a hypothetical balance. The final rule therefore encourages card issuers to make the minimum payment disclosures based on cardholders' actual balances instead of a hypothetical balance. As an incentive, the final rule provides that if card issuers use actual balances, they do not have to disclose the warning, the hypothetical example, or a toll-free number on the periodic statement. Instead, the issuer must disclose how long it will take to pay off the current balance if only minimum payments are made.
Regulation Z currently requires creditors to provide a 15-day notice for changes to most account terms required to be disclosed on the initial account-opening disclosures. However, if the change resulted from a customer's default or delinquency, creditors do not have to provide the 15-day notice, although they still have to provide written notice. Certain other events require no notice at all, including late payment charges, over-the-credit-limit charges, and changes that were disclosed in the initial account disclosures, such as an increase in the APR if the customer makes late payments. Testing revealed that consumers typically did not read change-in-terms notices because they were in small print and used dense text. As a result, consumers are often surprised to learn that important account terms have changed. The Board also determined that for some changes, such as an increase in the purchase APR, 15 days was an insufficient amount of time to allow the consumer to respond to the change.
The final rule addresses these problems in several ways. First, if the change-in-terms notice pertained to a key term that must be disclosed in the account-opening table, the change-in-terms notice must use a similar tabular format. Many creditors send change-in-terms notices along with the periodic statement. Because testing revealed that consumers tend to disregard notices sent with the periodic statement, the notice included with a periodic statement must appear on the front of the periodic statement, though not necessarily on the first page. Model form G-20 below shows a change-in-terms notice.
Payment Information | |
The following is a summary of changes that are being made to your account terms. You have the right to opt out of these changes. For more detailed information, please refer to the booklet enclosed with this statement. These changes will impact your account as follows: Transactions made on or after 4/2/12: As of 5/10/12, any changes to APRs described below will apply to these transactions. Transactions made before 4/2/12: Current APRs will continue to apply to these transactions. If you are already being charged a higher Penalty APR for purchases: In this case, any changes to APRs described below will not go into effect at this time. These changes go into effect when the Penalty APR no longer applies to your account. | |
Revised Terms, as of 5/10/12 | |
APR for Purchases | 16.99% |
Late Payment Fee | $32 if your balance is less than or equal to $1,000; $39 if your balance is more than $1,000 |
The final rule also requires creditors to send a change-in-terms notice 45 days in advance of the change instead of the current 15 days and expands the circumstances triggering a notice. When a creditor increases an APR because of a default or delinquency, it will have to send a notice 45 days before the change, even if it had disclosed this possible change in the initial account disclosures. The purpose of this change is to allow consumers adequate time to shop for new credit before the rate increase takes effect or to stop making purchases with the card to avoid increasing the balance that will be subject to a higher APR.
Another important amendment for the change-in-terms rules concerns reductions in credit limits. Under new §226.9(c)(2)(v) , a creditor who decreases a consumer's credit limit must provide 45 days' notice of the decrease before the creditor can apply an over-the-credit-limit fee or penalty rate that resulted solely because the consumer exceeded the decreased credit limit.
Card issuers should also be aware that §227.24(b)(3) of Regulation AA prohibits issuers from raising rates during the first year an account is open, unless another rate increase exception applies, such as failing to make a payment within 30 days of the due date.
The final rule contains two new restrictions on advertisements for open-end credit. The first concerns advertisements offering financing for products or services that mention a periodic payment amount (such as a minimum monthly payment) if financing is selected. The final rule requires creditors to disclose, in equal prominence to the periodic payment amount, the time period required to pay the balance if only the periodic payments are made and the total dollar amount of payments assuming only the periodic payments are made.
The second restriction applies to advertisers using the term fixed rate. Under the final rule, if the advertiser uses the term fixed rate, it must identify the period during which the rate is fixed and cannot be increased. If a time period is not identified, the advertiser cannot use the term fixed rate unless the rate cannot increase while the credit plan is open.
The final rule contains two other significant changes to Regulation Z. The first concerns disclosures for convenience checks, that is, checks creditors provide to consumers who access a credit card account. The final rule requires creditors to disclose in a tabular format on the front of the page containing convenience checks the following information: (1) any discounted initial rate and when that rate will expire, if applicable; (2) the type of rate that applies to the checks after expiration of any discounted initial rate and the applicable APR; (3) any transaction fees; (4) whether a grace period applies to the checks and, if one does not apply, that interest will be charged immediately; and (5) any date by which the consumer must use the checks in order to receive any discounted initial rate offered on the checks.
The Board noted that creditors typically send out convenience checks to consumers during the life of a credit account. As a result, significant time can elapse between the time consumers receive initial account disclosures about rates and fees applicable to convenience checks and the time customers receive the convenience checks. The new disclosures ensure that consumers will receive the critical information about the checks at the time they are mailed to the consumer so that consumers can make an informed choice about whether to use them.
The second change concerns the cut-off times and due dates for mailing payments. Regulation Z currently permits creditors to specify reasonable cut-off times for receiving mailed payments on the due date. The final rule defines reasonable and describes a 5 p.m. cut-off time for mailed payments as an example of a reasonable cut-off time for payments. In addition, if the payment date falls on a weekend, holiday, or other day on which the creditor does not receive payments, a payment received on the next business day must be deemed timely.
The Board's final rule on Regulation Z open-end credit was a significant undertaking. Because of the considerable changes to the regulation, banks should begin now to review the amendments and work on updating and testing their systems so that they are in compliance by the July 1, 2010, effective date. Readers interested in more details can consult the rulemaking notice. Specific issues and questions should be raised with the consumer compliance contact at your Reserve Bank or with your primary regulator.
Copyright 2014 Federal Reserve System. This material is the intellectual property of the Federal Reserve System and cannot be copied without permission.
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John Garnaut
John Garnaut is Fairfax Media's China correspondent. John graduated in law and arts from Monash University and worked for three years as a commercial lawyer at Melbourne firm Hall & Wilcox before joining the Sydney Morning Herald as a cadet in 2002. He became the Economics Correspondent in the Canberra press gallery and in 2007 was posted to Beijing.
Princelings and paupers
John Garnaut When the kingmaker of Chinese politics, Zeng Qinghong, asked to see the quintessential Australia, his diplomatic minders treated him to jugs of beer and an oversized fillet steak at Brisbane's...
Maoists rally to fallen Chinese leader
John Garnaut, Beijing China's Maoists rally behind Bo Xilai, accusing authorities of fabricating a case against him and exposing China to the risk of disintegration.
The princelings fight for China's crown
John Garnaut, Beijing If Premier Wen Jiabao is ''China's greatest actor'', as his critics allege, he saved his finest performance for last.
Japan warns of nuclear safety 'myth'
John Garnaut The Japanese Prime Minister warned a nuclear security summit yesterday that the world must not be lulled into a ''myth of safety'', following lessons learnt from the tsunami and nuclear meltdown at...
Briton's death adds to intrigue
John Garnaut Death of a British citizen in Chongqing adds new intrigue to the downfall of the city's ambitious Communist Party boss, Bo Xilai.
Bo intrigue deepens over death of Briton
John Garnaut The death of a British citizen in Chongqing has added new intrigue to the downfall of the city's ambitious Communist Party boss, Bo Xilai, which has rocked China's political landscape.
Chinese blogger detained before exposing crime links
John Garnaut, Philip Wen BEIJING: A wealthy businessman was detained yesterday amid expectations he was about to reveal explosive allegations of collaboration between Chongqing officials and organised crime.
Chinese businessman held on brink of mafia expose
John Garnaut and Philip Wen Businessman was expected to reveal allegations of government links to organised crime.
Party man's letter sheds light on Tibet turmoil
John Garnaut, Beijing The promotion of a Communist Party boss, despite his 'strike-hard' policies apparently contributing to a spate of Tibetans setting themselves on fire, triggers a rare protest letter from inside the...
Dimming of China's 'great red hope' troubles offspring of the old guard
John Garnaut, Beijing The waning of Bo Xilai's political star in Chongqing has left the Communist Party's conservative elders without a potential saviour.
Children of revolution decry party for return of sin and corruption
John Garnaut The waning of Bo Xilai's political star in Chongqing has left the Communist Party's conservative elders without a potential saviour who can turn around what they see as a deepening internal crisis.
Crime-busting duo's split may mark end of Mini-Mao revolution
John Garnaut, Beijing AT 11pm on Thursday, Beijing confirmed the country's most famous mob-busting cop was under investigation for ''spending the day at the US Consulate in Chengdu''.
China power play: anti-corruption officials vanish
John Garnaut, Beijing The mysterious disappearance of two high officials has opened a rare glimpse into the winner-take-all world of elite Chinese politics.
Official disappearance creates a Chinese puzzle
John Garnaut Wang Lijun, the mafia-slaying security chief of Chongqing city, vanished yesterday amid a stand-off involving hundreds of security officers surrounding the United States consulate in Chengdu.
Chinese general to fight corruption
John Garnaut in Beijing A RISING star of the People's Liberation Army has promised a "do-or-die" fight against powerful corrupt generals, bringing military politics to the fore of China's critical leadership transition.
China warned on corruption
John Garnaut A rising star of the People's Liberation Army promises to fight military corruption.
Region cautious after Kim Jong-Il dies
John Garnaut and Sanghee Liu The sudden death by 'exhaustion' of North Korea's Kim Jong-Il leaves the region scrambling for clues on how the regime will maintain stability.
China scrambles for clues after Kim's death
John Garnaut and Sanghee Liu in Beijing The sudden death by "exhaustion" of North Korea's Kim Jong-Il has left the region scrambling for clues on how the regime will maintain stability.
Mao namesake believes China will be set free
John Garnaut, Beijing You might think that after enduring a mass hate campaign it would be time for an 82-year-old intellectual to consider taking a backward step.
Personal Forbidden City the last word in luxury, but not for everyone
John Garnaut, Conghua Nobody can even guess how Dr Chau Chak Wing, a reclusive multibillionaire, acquired jade carvings, ancient bronze vessels and exquisite pottery and porcelain that was once possessed by legendary...

subset: commoncrawl


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CHICAGO (AP) — It almost sounds sadistic — making rape victims as young as 13 relive their harrowing assault over and over again. But a new study has found that it works surprisingly well at eliminating their psychological distress.
The results are the first evidence that the same kind of "exposure" therapy that helps combat veterans haunted by flashbacks and nightmares also works for traumatized sexually abused teens with similar symptoms, authors of the report and other experts said.
After exposure therapy, 83�percent no longer had a diagnosis of post-traumatic stress disorder. They fared much better than girls who got only supportive counseling — 54 percent in that group no longer had PTSD.
Girls who got exposure therapy also had much better scores on measures of depression and daily functioning than girls who got conventional counseling.
It's common to think that offering comforting words and encouraging traumatized youngsters to forget their ordeals is protecting them, but that's "not doing them any favors," said University of Pennsylvania psychologist Edna Foa, the report's lead author. She said that approach can be harmful because it lets symptoms fester.
Foa developed a two-part treatment known as prolonged exposure therapy and has studied its use in treating post-traumatic stress disorder. It involves having patients repeatedly tell their awful stories and then visit safe places that remind them of the trauma, or take part in safe activities that they had avoided because of painful reminders.
"Many are actually relieved that somebody wants to hear their story," Foa said.
The Department of Veterans Affairs health system uses the treatment for vets with PTSD.
Foa's previous research has shown that the approach works for adult rape victims, and some rape crisis centers use it. The report appeared in the Journal of the American Medical Association.
Sixty-one girls ages 13 to 18 were recruited at a rape crisis center in Philadelphia. They had been raped or sexually abused, sometimes repeatedly, often by a relative. All had been diagnosed with PTSD. The researchers provided four days of prolonged exposure training for counselors at the center and two days of supportive counseling training.
The teens were randomly assigned to 14 weeks of counseling or prolonged exposure therapy from the counselors. Sessions lasted an hour or 90 minutes.
At first, most were very upset talking about what had happened. But by telling and retelling about their trauma, "they get a new perspective of what happened," Foa said.
"They get used to thinking and talking about the memory and realizing that it was in the past, that it's not in the present anymore." Eventually, she said, "the story becomes remote and they get closure."
Benefits of the prolonged exposure therapy lasted throughout a one-year follow-up.
Copyright 2013 Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.


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There is no shortage of beach to choose from, Grace Bay, Pelican, Emerald or Long Bay beach are minutes away from Villa Tropica. This vacation rental villa boasts 5 spacious, well appointed bedroom suites, a gourmet kitchen, large living and formal dining room, laundry room, 30 feet rectangular pool, and lots of outdoor dining and lounging space. Rent the 4 bedroom or 5 bedroom options, see rates.
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Come for a visit......memories for a Lifetime.
We look forward to welcoming you to Villa Tropica, Providenciales, in the Beautiful by Nature, Turks and Caicos Islands
Wake up to an Early Start Breakfast of fruits, french pastries, juices, eggs and yogurt delivered by Fresh Bakery; details available at check in. Guest may prepay for meals to be delivered to the Villa from breakfast to dinner.
Dive or Snorkel with Caicos Adventures, THE MOST POPULAR tour operator in the Turks and Caicos Islands and receive 10% discounts on dive or snorkeling excursions.
Villa Tropica is professionally Managed by Coldwell Banker Real Estate Turks and Caicos - Vacation Rental
Away from it all, secluded, peaceful, cozy, excellent location
- 2 mins Walk to Pelican Beach
- 20 minutes from Airport - PLS
- 5 mins drive to Grace Bay Beach and Shopping district
- The Marina, Opus, Coco Bistro Restaurants and Bakery close by
- Provo Golf Course 3 mintues from House
-Casiono, Tennis, IGA Gourment Supermarket close by
- Pelican Beach less crowded beach than Grace Bay
- Great for jogging, walking, cycling
- Private Pool, Lush lanscaping
- Ipod Docking Station
- Plasma Television in Living Room
- FREE Wifi Internet
Travel to the Turks & Caicos Home to some of the best beaches in the World, breathtaking hues from inviting waters, and legendary diving, snorkeling and fishing, the Turks & Caicos Islands beckon you to an undiscovered Caribbean. Travel to the Turks and Caicos is easy and efficient. Just a short flight from the east coast of the US, our islands are a tropical classic, a throwback in time where relaxation is unavoidable and rejuvenation ensured. Grand Turk Grand Turk is the capital island of the Turks and Caicos, its historical heartbeat, and home to a state of the art luxury cruise ship center. It is here that Christopher Columbus first made landfall on his initial voyage to the New World in 1492. Almost 500 years later, US astronaut John Glenn 'discovered' Grand Turk himself, after he became the first American man to orbit the earth. Cockburn Town is the center piece of the island with a wonderful selection of historical buildings and a rustic charm that is unforgettable. It has the second largest population of around 3,720 people. Grand Turk is one of the main historical points of Turks and Caicos. You will find many Colonial style buildings and ruins, along with The Turks and Caicos National Museum. Providenciales 'Provo' Turks and Caicos Providenciales, or more commonly known as 'Provo', covers an area of 38 miles and is the most developed island in Turks and Caicos. It is here where most international flights arrive at the Providenciales International Airport (PLS). Surrounded by beautiful white sand beaches, Provo has been ranked 'Best Beach' by Conde' Nast magazine and by the World Travel Awards for several years running.
Found on the western end of the island chain, Provo offers all modern conveniences, including luxurious villas and condos, numerous restaurants, spas and shopping facilities, a championship caliber golf course, and full service grocery store. Leeward is 5 minutes away from the heart of Grace Bay a short cycle, power walk or drive. Although Provo is the most developed of the islands, it is still a destination for those who want to escape their busy schedules and relax. On the north shore of the island, near Grace Bay, you will find the most beautiful beaches, as well as a long coral reef, which is rich in aquatic life. This main strech is home to the majority of the island major resorts and tourism services. Towards the south of the island you will find Chalk Sound, a large lake with striking turquoise water and an array of small cays. Islands Magazine described Chalk Sound as 'Beneath the radar: Untouched and off the beaten path, the pristine islets in Provo's Chalk Sound provide an ideal backdrop for expansive thoughts.' Along the south side of the island in areas such as Sapodilla Bay, Copper Jack, Discovery Bay, Turtle Tail and Long Bay you will find many private villas available for rent.
Rate Period | Nightly | Weekend Night | Weekly | Monthly | Event | Minimum Stay | |||
Spring 2014
Jan 5 2014 -
Apr 30 2014
5 nights
Summer 2014
May 1 2014 -
Nov 14 2014
5 nights
Pre Holiday 2013
Nov 15 2014 -
Dec 19 2014
5 nights
Holidays 2013
Dec 20 2014 -
Jan 2 2015
7 nights
My Standard Rate
5 nights
Refundable damage deposit | $500.00 |
50% Deposit at the time of Booking and the balance 60 days prior to arrival. Cancellations Policy,no less than 60 days prior to arrival for refund less $300 administration fee. | |
Rates are subject to change without notice prior to a signed contract.
A pre-authorization/hold is taken on your card on arrival for damages. This amount is cancelled at departure. |
Tax Rate | 12.0% |
Payment is usually accepted in the quoted currency (USD) unless the currency and the amount is specifically agreed in advance with the owner / advertiser.


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Rank #658 on Subscribers Level 169 Content: Soldier Of Funnyjunk Offline Send mail to ersrose Block ersrose Invite ersrose to be your friend flag avatar |
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2scared2login (03/06/2011) [-]
i used to think you were cool but now your kind of The Bitch Who Didn't Know She Was A Bitch.
thewarlord (11/02/2010) [-]
gotta say. you got a pair (er well you know what i mean) by posting a pic of yourself on funnyjunk, then doing it again in a pose. especially being pretty good looking, and with a yellow shirt and orange hair.
... for sheer guts you gets a sub :D
also +5 intermanets
... for sheer guts you gets a sub :D
also +5 intermanets
Trezon **User deleted account** (11/01/2010) [-]
You better have looked at his ******* hand, I had to spend like 5 minutes of my life reading that post, thats 5 mintues I will NEVER get back. So God help me you, better have looked at his hand.


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Items with tag "Stan Munro"
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CNY toothpick engineer to be featured in Mutual of Omaha ad
Charles McChesney, The Post-Standard
March 21, 2010, 9:09AM
Stan Munro talks about 'aha' moment when he realized his life changed.
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Stan Munro's Toothpick City II at the MOST
Peter Chen, The Post-Standard
February 18, 2009, 9:45PM
This video features Stan Munro, of North Syracuse, who is building Toothpick City II, a collection of religious buildings and towers from across the world. The exhibit, built using toothpicks and Elmer's Glue, is on display at the Milton J. Rubenstein Museum of Science and Technology until December. Munro has been working on Toothpick City II for about 4 years and still has 20 more buildings to build before the project is complete. When it's finished, Munro estimates he would have used about 4 million toothpicks and 45 gallons of glue. People can catch Munro building his structures throughout the year at the MOST.
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What is your opinion about IT field service tech job?Most of people I encountered in IT field don't seem to want to take a job as a field service technician. If you are in the field or have ever worked as an IT field service technician, what is your opinion and experience? I think, the bad side is that the customers can tend to be more demanind and can be irate more easy because they're paying hundreds of dollars to have you come over and work on their computers. The good side may be that it may be more difficult for your boss to get a biased opinion about your personality and your performance because a lot of times you are outside of your vicinity. Also, it may be more difficult for your repuation with the customers to be formed because you are floating. I think it may be better than doing IT customer service in a fixed location such as at one company or at one building. What do you all think?
Asked By: HongKongMan1997 - 9/16/2006
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Besides the accountants, they are the ones who take all the good business jobs.
Answered By: Bound2Success - 9/16/2006
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allkill326, on 26 January 2013 - 11:30 PM, said:
You do realize that the Maple Leafs have been very fast starters the prior two seasons, right? So if everything has to be status quo doesn't that mean they will go on a long winning streak right now?
Do you also realize that Vancouver had 1 more playoff win than TO last year?
There's only one winner each year, the rest are losers, and Vancouver was a loser just like TO.


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Make a whole meal out of the French Vegetarian Classic while it is warm or offer it chilled as a salad course. Serve with a crusty bread and top with feta cheese, if desired. From the Best Slow Cooker Cookbook Ever.
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Into the Crystal Ball… The Sambadrome Edition
Welcome to May! Before we hit the famed Brickyard, there is one more stop to make: The Streets of Sao Paulo Brazil. Without a doubt, this track is a favorite of fans and drivers alike. Half of the circuit consists … Continue reading
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Into The Crystal Ball… 2013 Mega Preview Pt. The Final; Winners and Losers Edition
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Into The Crystal Ball… Two Left, Make 'em Count Edition
The resurrected and rebuilt Streets of Baltimore play host to the penultimate round of the 2012 championship. Amid financial uncertainty, the seemingly well attended event lives another year, once again, thanks to Andretti Sports Marketing. The battlegrounds for this weekend … Continue reading
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RVM…Don't Cry for Me, Motegi Edition
The final Indy Japan 300 was contested late Saturday night into early Sunday morning. A huge local crowd was on hand, and all 13 of us we watching live on Verse. Japan and its Twin Ring Motegi Circuit has been … Continue reading
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Babbitt Ford Lincoln
11 N Verde St, Flagstaff, AZ 86001
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920 S State Route 69, Dewey, AZ 86327
(57.66 miles away)
GALPIN - Ford - Lincoln
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(62.13 miles away)
Tate's Auto Ctr
1001 Navajo Blvd, Holbrook, AZ 86025
(86.29 miles away)
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(111.13 miles away)
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Take a look at the entire new and used automobile stock of Flagstaff Lincoln dealers at Autobytel.com Browse current and past-production vehicles for sale by manufacturer date, cost, gas mileage, or distance from your home. Find Lincoln dealers in Flagstaff with ease. Choosing what car to buy can be tough. Do some legwork by studying all the various options to get the most out of your investment. See the inventory Flagstaff Lincoln dealers currently have on-hand.
With the resources available on the web; the majority of consumers begin their search online. Do not waste an entire day by driving to every Lincoln dealer Flagstaff. A better way to browse automobile listings from Lincoln dealers in Flagstaff is to visit Autobytel; which has hundreds of autos listed in your area. There is a ton of data on current cars and those that are out-of-production. You can compare multiple vehicles at once. Or find the invoice price of a new or used vehicle. The huge online database at Autobytel.com offers so much more. Find the technical specs of a car, crash test results, entertainment options, and engine details just to name a few. Browse online for Flagstaff Lincoln dealers from the comfort of your own home.
A Lincoln dealer Flagstaff can do more than just sell you a car. Respectable Flagstaff Lincoln dealerships will also have new car leases available. Or if you need a stock part, a Flagstaff Lincoln dealer will have a dedicated parts and accessories department. Free maintenance is offered on some new car purchases. And most Lincoln dealers in Flagstaff will service your automobile for free if covered. In the event that your vehicle breaks down and the warranty has already expired; you can get repairs done at various Flagstaff Lincoln dealers. Rounding out the other services a Lincoln dealer Flagstaff may offer are collision and insurance estimates and a tire center.
There is an area to rate Flagstaff Lincoln dealerships based on your experience. Is the dealership reliable and trustworthy or do people have a bad experience there? You can find this information by reading consumer reviews. Because in the end, it is these consumer reviews that can make or break a Flagstaff Lincoln dealer. Exploring all that Lincoln dealers in Flagstaff have to offer is a solid game plan. Use the online resources at Autobytel.com to locate the perfect vehicle. You may even save hundreds if not thousands by looking at incentives and rebates before going out to buy a vehicle.


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Originally Posted by GNTLGNT ...OK, glad you guys & goils liked Bad Lip Reading...here's a couple more that made me guffaw... I can't watch these and drink coffee at the same time.
Originally Posted by blunthead AWESOME!
Originally Posted by blunthead Definitely the road less traveled.
With Mother's Day coming up,here is my vote mother of the year.. http://www.newser.com/story/167635/a...cks-webmd.html
The comfort dogs,Boston,Newtown,etc,are rock stars!!
rescue dogs
I got a little chippy at The Heat game last night.
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George Cukor
George Dewey Cukor was born July 7, 1899 in New York City. The only son of Hungarian Jewish parents Victor and Helen Cukor, who drew their son's middle name from Naval hero George Dewey, he began acting in local productions as a youth, and performed in a recital alongside his future mentor, David O. Selznick, when both were just boys. Theater becam... Continue Bio >>
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"Is this coffee, or is this Fight Club?" That's the question Bryan Hansen of Calgary, Canada, says he asked himself after his coffee lid betrayed him — yet again — leading him to fire off a letter of complaint to the Tim Hortons café chain, sending it to the attention of its "Lid Manager."
Hansen's fiercely funny note won fans on Reddit and elsewhere, as fellow customers stood up to say they, too, had been suffering in (scalded) silence because of the coffee and pastry stores' flip-top lids.
"I'm going to prison or death sentence for killing my wife. Love you guys. Miss you guys. Take care. Facebook people you'll see me in the news."
The Miami Herald and other news outlets are reporting that 31-year-old Derek Medina of South Miami apparently posted that Facebook message Thursday morning, along with a photo of a woman's "twisted, bloodied body lying on a linoleum floor."
Flying over the state now for 102 years, the Colorado flag stole the show a bit when some new branding concepts were unveiled online.
Originally published on Tue July 16, 2013 2:46 pm
There are obviously more provocative things being written and said about the death of Trayvon Martin and the acquittal of George Zimmerman than we could ever hope to keep up with.
Originally published on Fri July 12, 2013 9:36 am
"I certainly would have thought a lot more about what I said. ... People should be very careful about what they say" on social media sites.
That was the word Friday morning on CNN's New Day from Justin Carter, the 19-year-old Texas gamer who was arrested and jailed in February after making a Facebook comment about a school shooting.


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Very easy process from ordering through to delivery. Ordered, posted off my prescription and the tablets were with me within a couple of days. Would definitely use again if I needed a private prescription.
Was very pleased with the quick and efficent service that I received. Easy enough to print out the labels at home and I liked the email contact to keep my informed of the status of my order. Only issue was that I didnt get as much as I'd hoped for my books but that can't be helped!
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RT @nrablog: Virginia announces opening of Spring Gobbler Season, adds Youth Day Hunt
How to Survive a Cold Spring Night Outdoors When You Least Expect To
RT @foremosthunting: Four Tips To Get Your Gobbler This Spring: #turkeyhunting
Happy First Day of Spring, folks! Turkey #Hunting, #Camping, #Hiking, gotta love what the warm weather brings!
Spring is one of the best times for a #hike. Nice weather & great sights! Don't get lost!
RT @thewilltohunt: Guest Post: Spring Turkey Season, Advantage Gobbler
Its almost spring #camping season. Is your gear ready? Here's a list of tips.
Winter storms now and spring storms up ahead. 11 Blog posts that help you get prepared for the worst:
Preparing Your Gear for Spring Camping
Spring Turkey is right around corner! This call was used in the hunt:


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Find local family fun in our attractions guide. Search by type of place, location, recommended ages and more.
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Movement, art & music enrichment center for babies, toddlers & preschoolers. Kids up to age 6 can play in the indoor playground during Open Gym hours.
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Please Don't Quote Me This Week
PART II – THERE ARE NUMEROUS WAYS to celebrate Farm Week throughout the countryside. Please Don't Quote Me focuses on the magazine Farm Journal last week, telling about how influential the periodical has been over the hundred thirty-five years it's been published and how it reflects what was going on in agriculture all that time.
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MORRISON – The Morrison City Council meeting normally held on Mondays was held on Tuesday, October 9 in the Whiteside County Board Room, due to the Columbus Day holiday.
Resident Phil Bramm addressed the council in regards to the proposed new sight for the Water Waste Treatment plant. Bramm is in favor of a new plant, but is opposed to the chosen location. Bramm feels that the sight is too close to parks, and the old ball diamond, and that property values could go down as a result.
Nancy Anderson commented on the Community Garden, stating that the trees that are planted there do not allow for the garden to grow, blocking out too much sunlight. She would like the City to consider moving the trees to another location.
Council members received reports from the Citizens Advisory Group meeting held on September 6, and also the Historic Preservation Society meeting from October 2. During the report of city officers, City Attorney Tim Zollinger advised the council that the deed for properties at 101/103 has been recorded, and that the City is no longer the owner.
City Administrator Wise noted some problems with the new City website, and is asking for patience while the issues are resolved. Wise also commended City Hall staff members on all of the hard work they have done, and also to the members of the Street Department on an outstanding job of repairing the Highway 30 leaks. "They got them done in record time," Wise added.
Department head reports included Gary Tresenritter reporting on upgrades being done on the stoplights at intersections taking place, and that leaks on Highway 30 have been repaired. A report from the City Engineer explained that about 50% of survey responses have been received, but 75% is required. Engineers will be going door to door, asking for community members' cooperation in finishing the surveys.
Consent Agenda items approved included the request for parade permit from the Chamber of Commerce Halloween Parade set for Saturday, Oct. 27 at 12:30.
An item removed from Consent Agenda was the September 24th regular session minutes (changes to be made).
Item for Consideration and Possible Action was Ordinance #12-34-IEPA Public Water Supply Loan Program Agreement. The ordinance will increase the amount of funds previously authorized to be borrowed from the public water supply loan program, administered by the Illinois Environmental Protection Agency. This amendment was made necessary by the increase of expenditures experienced with the drilling of Well #5. (approved)
Other Items for Consideration, Discussion, and Information were plans for an October 16 combined council meeting with Morrison, Sterling, and Fulton. Also, on October 22, Council will review the current and revised personnel policy. On November 12, Fiscal Year 2013 budget amendments will be considered.
Executive Session: Litigation 5 ILCS 120/2 © (11) No action was taken as a result of the executive session.
The next meeting of the City Council is scheduled for October 16, and the public is encouraged to attend.


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OUR 35th SEASON! Welcome to the website of the Little Caesars Amateur Hockey League (LCAHL), the nation's largest amateur youth ice hockey league, involving teams from all over America's Midwest -- Michigan, Ohio, Indiana and Illinois including, on occasion, Nashville, Tennessee -- with more than 650 Tier 2 Travel and Tier 3 House Teams and over 11,000 players in 45 affiliated Associations. LCAHL Playoffs LCAHL is pleased to annouce the dates for the 2014 Playoffs (2nd Round): February 28 - March 2
Pee Wee A (02)
Bantam A (00)
Bantam AA (99)
Bantam B
Midget B & BB
March 7 - March 9
Squirt A (04)
Squirt AA (03)
Pee Wee AA (01)
Midget A & AA
March 14 - March 16
Squirt B
Pee Wee B
http://lcahl.pointstreaksites.com/view/LCAHL/home-page-153/2014-2nd-round-schedules LCAHL Detroit Tigers' Day LCAHL would like to celebrate the CHAMPIONS of the 2013/2014 Season! LCAHL 2013/2014 Divisional Champions - April 5, 2015 LCAHL 2013/2014 Playoff Champions - May 11, 2014 LCAHL 2014 Playoff Apperal Reorder your LCAHL Playoff apparel at a discounted price. This year's order form is a 2 page form. The Heat Pressed T-shirts and Hoodies will follow the same guidelines as previous years. You can choose a front design and the back design will be the same on all Heat Pressed garments. A number can be added to the sleeve for an additional fee. The second page of the order form has the Embroidered Patch Hoodies on it as well as the option to purchase the heat pressed tee at a reduced price. We are also offering to add heat pressed number on sleeve or heat pressed name and larger number on back of the embroidered hoodies for an extra fee. Because these names and larger numbers are custom cut, we can only offer this option as a pre-order. For Heat Pressed items, we require advance notice of 5 days. For Lace Hoodies, we require advance notice of 7 days. We can have your order ready for you to pick up at your playoff game. You can fill out the form and either e-mail or fax it to the number/e-mail listed on the form. If you do not get a response from us that we received your order within 24 hours, ASSUME we did not receive the order. To qualify for this special offer, your team must order at least 10 items using the Alleycat LCAHL Playoffs Order Form before your scheduled Quarter/Semi/Championship Game. If you have any questions, please call: Alleycat Designs – Westland: 734.728.7867 - Fax: 734-728-7887 or, Email: email@example.com Thank you and Good Luck to all Teams in the Playoffs! Volunteers Needed LCAHL is looking for volunterrs to assist in running several of it's divisions: Bantam B and Midget B & BB If you are interested, please contact Laurie Golden-Birchler at email@example.com League Standings


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Recipe by Jeff
"Crab in Champagne butter sauce, served over angel hair pasta."
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1/3 cup butter
1/4 cup Champagne or other sparkling white wine
1 clove garlic, minced
1/8 teaspoon paprika
1/8 teaspoon dried sage
1 pinch ground ginger
8 ounces cooked crabmeat
1 (8 ounce) package uncooked angel hair pasta
1 tablespoon extra-virgin olive oil, or as needed
salt and black pepper to taste
1 tablespoon chopped Italian flat leaf parsley, divided
Very good recipe. I didn't have any white wine (we're red wine drinkers in this house!), so I added 2 Tbs. of lemon juice instead. Worked out perfectly. Thanks for the recipe!
Very disappointed using frozen crab-
23 Ratings
FANTASTIC!!! This was so good. I am a fan of a heavier sauce, but my hubby loves light evoo sauces. This was perfect. he loved the flavors, and I did as well. Although I always add WAY more garlic then they say to.
I've made this several times now and I know I'll be making it again in the future. I just used a cheap white wine that I had around for cooking and thought it was still delicious so don't feel like you need the sparkling wine. I was using fresh crab meat, which I always recommend. Canned meat just doesn't compare, though if you don't have enough fresh for a whole batch I found mixing a little bit of lump meat in helps spread it out but still tastes good.
I'm not a big fan of crab other than well made crab cakes. I also try to keep my meal lower fat and though I love butter, I try to keep it to a minimum. But I thought that the recipe looked good so I gave it a shot. I was pleasantly surprised! I liked it very much and will definitely be making it again.
I love this recipe! The only thing I change is using shrimp instead of crab.
Wow, this recipe is a keeper!! I was so surprised when I tasted it, I felt like I was at a fancy restraunt. I used immitation crab meat, but you honestly couldn't tell. It turned out just delicious! My fiance was a little skeptikal because the sauce is light, but one bight changed his mind. This recipe is wonderful, will make it again and again! Thanks for sharing Jeff!
* Percent Daily Values are based on a 2,000 calorie diet.
Astoria Crab Pasta
Serving Size: 1/4 of a recipe Servings Per Recipe: 4 Amount Per Serving Calories: 403 Calories from Fat: 189
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When Law Firms Collide, Things Sometimes Get Ugly
For more than three years now, the law firm of Parker & Waichman has been fighting in court with the firm Napoli Bern over settlements for the diet drug fen-phen.
February 12, 2005, SaturdayWyeth Lifts Estimate on Suits
Wyeth's shares plunged nearly 8 percent yesterday after the company raised its estimate for the total cost of fen-phen litigation to $21.1 billion and said that protracted legal cases continued to drain earnings in 2004.
February 01, 2005, TuesdayWyeth in Settlement Talks Over Diet Drugs
By Bloomberg News.
January 19, 2005, WednesdayWYETH FOUND LIABLE FOR $2.1 MILLION IN DIET DRUG CASE
Wyeth said yesterday that a jury in Philadelphia had found it liable for $2.1 million awarded to four Utah women who said they suffered heart damage from the fen-phen diet treatment. The state court jury found in the second phase of the trial that Wyeth was liable for failing to warn doctors...
November 04, 2004, ThursdayJURY FINDS WYETH DRUG DID NOT HARM TWO USERS
A jury in Pennsylvania decided that a drug made by Wyeth that was used as part of the fen-phen weight-loss program did not damage the heart valves of two people. The jury awarded a third plaintiff $50,000 for future medical expenses. The jury was the ninth in Philadelphia in the last three months to...
October 28, 2004, ThursdayWYETH DESCRIBES JURY VERDICTS ON RECALLED DIET DRUG
Wyeth said yesterday that a Philadelphia jury had refused to award damages to a woman who claimed she was harmed by the company's recalled fen-phen diet drug Pondimin, but that the same jury in a separate case awarded $41,000 to another woman who had taken the drug. Wyeth said the Court of Common...
October 23, 2004, SaturdayJUDGE APPROVES FEN-PHEN COMPENSATION METHOD
A judge tentatively approved a revised legal settlement yesterday that would change the way the drug maker Wyeth compensates thousands of people who suffered heart valve damage after taking the fen-phen diet drug combination. Lawyers for Wyeth and for former users of its Pondimin and Redux pills...
August 27, 2004, FridayWyeth Loses Verdict
Wyeth hid the risks of its weight-loss medicine fen-phen and must pay $4,000 to five women who developed heart problems after taking it, a jury ruled yesterday. The Philadelphia Court of Common Pleas jury awarded four women $750 each and a fifth woman $1,000 to cover future medical expenses for...
August 07, 2004, SaturdayFEN-PHEN USERS RETAIN RIGHT TO SUE WYETH
Wyeth, which has set aside $16.6 billion to resolve its diet-drug liability, cannot bar former fen-phen users from presenting evidence to try to show that the company mishandled the drugs, an appeals court ruled. The United States Court of Appeals in Philadelphia struck down a lower court ruling...
May 26, 2004, WednesdayAward Upheld Against Wyeth
A Texas judge on Monday affirmed a jury's award of more than $1 billion in damages against the drug maker Wyeth to the family of a woman who took Pondimin, part of the now-banned weight-loss combination fen-phen. A jury in Beaumont granted the award April 27 to the family of Cynthia...
May 18, 2004, TuesdayWyeth Seeks to Delay Payments To Some in Fen-Phen Settlement
Wyeth and lawyers for former users of its fen-phen diet drugs have proposed a 60-day delay in making payouts to those who suffered the least serious harm from the appetite suppressants, the company said yesterday. Wyeth said the delay would allow it and patients' lawyers to work out a new...
May 06, 2004, ThursdayA Texas Jury Rules Against A Diet Drug
A jury in a state court in Beaumont, Tex., ruled yesterday that the pharmaceutical company Wyeth should pay $1 billion to the family of a woman who died from lung disease that the plaintiff's lawyers said was caused by a diet drug the company made in the 1990's. While the verdict may well be...
April 28, 2004, WednesdayWYETH SHARES FALL 7% AFTER JURY'S FEN-PHEN RULING
Shares of the drug maker Wyeth fell about 7 percent yesterday, a day after a Texas jury awarded $1.3 million in damages to a woman who said she suffered heart damage after taking the company's diet drugs, part of the banned fen-phen combination. The woman, Deborah Hayes, 46, is one of about 70,000...
November 08, 2003, SaturdayTough Questions Are Raised On Fen-Phen Compensation
The trust set up to compensate people injured by fen-phen, the formerly popular diet drug, says that an alliance of doctors and lawyers filing invalid claims threatens to drain its coffers. Some plaintiffs' lawyers contend that the trust simply wants to delay making payments to deserving people who...
October 07, 2003, Tuesday90,000 Avoid Wyeth Settlement
About 90,000 people who took Wyeth weight-loss drugs that were later recalled have opted out of the company's huge class-action settlement, Wyeth reported today. In a document filed with the Securities and Exchange Commission, Wyeth said those who opted out by the May 3 deadline included about...
May 16, 2003, FridaySEARCH 46 ARTICLES ABOUT FEN-PHEN (DRUG COMBINATION):
- Well: To Keep Teenagers Alert, Schools Let Them Sleep In
- Well: Emergency Rooms Are No Place for the Elderly
- Well: Do Brain Workouts Work? Science Isn't Sure
- Well: Ancient Grains for Breakfast
- Well: A Surgical Procedure's Risks, Unmentioned
- Well: Gadgets to Boost Bike Safety
- In Rare Case, Woman With H.I.V. Infects Female Sex Partner, C.D.C. Says
- Well: The Monitored Man
Rss Feeds On Fen-Phen (Drug Combination)
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Department: Quality Reporting to: CEO Summary The Quality Manager directs all quality assurance activities for NPS, including in-process inspection, product test, quality engineering, firmware and software product assurance, internal audit and ISO certification and engineering
1/6/2014 Barre, VT Save This JobVolusion is a one-stop shop for all things ecommerce. We?re also a pretty great place to work. Based in Austin, TX, we?re currently serving 40,000+ customers and have big plans for the future. Being an industry leader isn?t easy, but we know how to make it fun. Equipped with our
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1/1/2014 Hawthorne, NY Save This JobDepartment: Sales and Marketing Position Overview MedAptus is a major provider of charge capture and operational charge management applications that enable clinicians and hospital entities to efficiently and accurately bill for rendered services. The Company is seeking a highly
12/31/2013 Boston, MA Save This JobJob Status: Full Time Location: E.Greenbush, NY Benefits: Company paid medical and dental, holiday, and vacation Job Summary: The Software Developer will be responsible for assisting with the design and development of Autotask software products, as well as the communication,
1/7/2014 East Greenbush, NY Save This JobDescription Allegro is a leading provider of energy trading and risk management (?ETRM?) software solutions. Allegro provides transparency and efficiencies across the front, middle, and back offices, by leveraging advanced technologies like Service-Oriented Architecture (?SOA?),
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2/10/2014 Brookfield, WI Save This JobJOB SUMMARY The Director Product Manager has a key role in establishing Nexidia?s vision, strategy, and product roadmap for Nexidia?s Media Products. This role requires an experienced product management executive to lead product management for the award winning Dialogue Search
2/4/2014 Atlanta, GA Save This JobJob Description Position Overview: Reporting to the Manager of Software Engineering, the Senior Software Engineer is responsible for leading technology decisions for Agile, iterative software development teams. Job Responsibilities: Functioning as a Senior resource
1/21/2014 St. Louis, MO Save This JobPOSITION SUMMARY: VFA is seeking a seasoned product marketing professional to lead the go-to-market activities for our industry leading software, VFA.facility, and related assessment and consulting services. You will work closely with the software and services teams, sales,
1/19/2014 Boston, MA Save This JobWe are seeking a Director of Product Management to drive the evolution of Myxer?s Social Entertainment (MSE) platform, which spans all of our ad-supported entertainment destinations across the web, mobile web, and mobile app platforms. The ideal candidate will have the right mix
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3/4/2014 Fort Myers, FL Save This JobJob Description: SESlogoweb Senior Product Manager ServiceSource is looking for a passionate and creative product manager to own and advance our industry-leading SaaS application Renew onDemand. The Senior Product Manager will contribute on cross-functional Product
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1/20/2014 Sunnyvale, CA Save This JobDescription Recently ranked by Healthcare Informatics as one of the Top 100 Healthcare IT companies, SourceMedical provides outpatient information solutions and services for ambulatory surgery centers, surgical hospitals, and rehabilitation clinics nationwide. With a 20-year
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Book Description:A raucous, truth-telling look at the white working poor-and why they hate liberalism.Deer Hunting with Jesus is web columnist Joe Bageant's report on what he learned when he moved back to his hometown of Winchester, Virginia, which-like countless American small towns-is fast becoming the bedrock of a permanent underclass. By turns brutal, tender, incendiary, and seriously funny, this book is a call to arms for fellow progressives with little real understanding of "the great beery, NASCAR-loving, church-going, gun-owning America that has never set foot in a Starbucks."
Tags: Nonfiction, Current Events, General,
Book List () | College Textbooks
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Can we talk?
Joan Rivers is celebrating a birthday that is considerably older than her face. Before you click away, please note that I'm a huge fan of the comic, and it's the kind of thing she says about herself all the time! Joan was snarky before the word was ever coined. Every comic in the biz today owes her a debt of gratitude for her brazen and unique style.
She may be turning 78 in a couple of days, but Ms. Rivers shows no signs of slowing down. Her show "The Fashion Police" on E! steadily attracts young, hip, and famous guests. Her literary memoirs reveal that the woman with a big mouth also has a big heart.
Joan is back with a new book, and it's funnier than ever. Nothing is off limits for the self deprecating funnywoman. The book is called, "I Hate Everyone … Starting with Me." This tome has a tone that only Joan could get away with.
Joan visited "The View" to share her "I hate you" stories with the co-hosts including fellow glam senior citizen, Barbara Walters. The star says that she is living her bucket list, and we applaud JR for that. The episode included a separate segment featuring "nice girl" Rachel Ray cooking up various types of hamburgers. It would have been an interesting collision of energy to have them both on at the same time.
The recently dead and beloved are especially ripe fodder for Rivers. Here's one of her jokes: "I hate Houston. It's crawling with bugs. Oh, wait, that's Whitney Houston. I'm sorry, my bad." If you find that a tad inappropriate, Joan has a message for you, too: "She was a brilliant singer, but she was also a druggie. You are going to die young. This is not a tragedy, it's a waste."
She also jokes about Dick Clark unapologetically. Rivers explains that being dead does not remove a fellow star from her hit list. Melissa's mother quips, "Everyone dies - except maybe Betty White, and I think it's high time someone pushed that bitch in front of a train because I'm sick and tired of losing the 'sassy grandma' roles to her." She recently played Betty White's twin sister on a hilarious episode of "Hot in Cleveland."
If you're aching to meet Ms. Rivers, you're in luck. The hardest working woman in show biz is on the road. Check her website Joan.co to see if she'll be coming to a town near you.
If you still have a problem with that, then as Joan would say, "Oh, grow up!"
More from this Contributor
John Mayer Vs. Taylor Swift: "You Humiliated Me!" Whose Side Are You On?
Amber Portwood Heads to Jail! Can We Now Admit That 'Teen Mom' Shows Are a Bad Idea?
Alicia Silverstone, Green Goddess! 3 Things She Wants You to Know About 'The Kind Life'
- Arts & Entertainment
- Joan Rivers


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Oct 21, 2012 7:41 AM
Recall one-time top Obama administration official Anita Dunn commented the White House was a 'hostile workplace for women' while Obama's once head of Economic Advisers Christina Romer said of her time there, 'I felt like a piece of meat.' Meanwhile even Time Magazine has called Obama's White House 'a boys club' for lack of any meaningful input from women staff. Let's call them 'the 18% less.' Democrats are so desperate they're sending in the second string. It's rumored Gloria Allred has got the goods on Romney and will be releasing it soon. As usual the October surprise is just more Democrat lies.


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1 hr ago | Poynter Online
Obama will sit down with celebrities but not The Washington Post
The Washington Post hasn't had an interview with Obama since 2009, Cillizza notes, and The New York Times hasn't sat down with him since last summer .
Trending on the Topix Network
5 hrs ago | NWCN.com
Families: Cellphones of missing passengers still ring
Family members of a few passengers aboard missing Malaysia Airlines Flight MH370 are pushing the airline to search for the GPS location of their loved ones' cellphones after saying they'd successfully placed calls to missing passengers' mobile phones.
5 hrs ago | Patch.com
Deer Spotted on Woodrow Wilson Bridge Tuesday Morning
If you took the Woodrow Wilson Bridge Tuesday morning, you weren't seeing things, that really was a deer.
9 hrs ago | WTOP-FM Washington
A Reston built out of Peeps? Use your imagination, win candy
Chesapeake Chocolates at Lake Anne Plaza is holding its own Peeps Show, much like the popular annual contest run by The Washington Post .
11 hrs ago | The San Diego Union-Tribune
Women promoted Cheetahs at Comic-Con on Thursday, July 12, 2012.
An SDPD raid at Cheetahs strip club in Kearny Mesa has raised questions in The Washington Post and other forums.
15 hrs ago | American Thinker
At WaPo, Only Israeli-Bashing Will Do
The Washington Post , in its March 9 edition, runs an article by Ruth Eglash with a headline that reads " Israel tears down Palestinian homes in Jordan Valley ."
Red Alert: Romney To Gather Aides In Utah
The Washington Post reports that failed establishment Republican presidential candidate Mitt Romney is gathering his 'political brain trust' at a swanky Park City, Utah ski chalet later this month.
Jim Graham on Jeff Thompson's Support for Opponent: "I Have Been Seriously Victimized"
Among the candidates D.C. campaign finance figure Jeff Thompson backed illegally, according to information filed by prosecutors in connection with Thompson's guilty plea today, was Jeff Smith , who ran a losing Democratic primary campaign against Ward 1 D.C. Councilmember Jim Graham in 2010.
Prosecutors Say D.C. Mayor Knew About Shadow Campaign
According to The Washington Post and NBC Washington , businessman Jeffrey Thompson will plead guilty to conspiracy, admitting that he funneled more than $2 million into a shadow campaign to help elect the democratic mayor.
U.S. Supeme Court Lets Stand Lower Court Ruling: Episcopal Church Owns The Falls Church Property
The Falls Church is still the property of the Episcopal Church , after the U.S. Supreme Court let stand earlier lower court rulings , according to The Washington Post.
Real Estate Investing for Real
Truck Sales Suggest Strong Outlook for Housing Market
As I noted in a prior post, activity in the consumer goods sector is often an indicator of health in the housing market.
Kathleen Turner during rehearsal of the Arena Stage production of "Mother Courage and Her Children."
PG Schools to Receive $1 Million from National Harbor Owner
The owner of National Harbor will announce today that it is donating $1 million to an effort to attract teachers in the Prince George's County Public Schools .
LMI a Finalist in NVTC/The Washington Post's Destination Innovation Competition
LMI's OpenPolicya tool has been selected to compete in the Northern Virginia Technology Council's Destination Innovation competition, sponsored by The Washington Post .
Washington Post highlights Korean drama fever in China
Washington Post highlights Korean drama fever in China . MARCH 10, 2014 02:45. . 'Why China can't make soap operas as good as South Korea's?' Watching the Korean soap opera 'My Love from the Star,' which enjoys immense popularity, Chinese people are self-reflecting, a leading U.S. daily reported.
Same-sex marriage approval on the rise
Just over half of Americans believe that gay and lesbian couples have a constitutional right to get married, according to a poll released on Thursday by ABC and The Washington Post.
Resident Cites DC Police Inaction During Brawl
Residents in northeast Washington have filed a complaint over a District of Columbia police officer's inaction while responding to a street brawl.
Rollout reveals Obama's budget is one without vision
WASHINGTON -- When White House press secretary Jay Carney led a quartet of President Obama's top advisers into an auditorium for the annual rollout of the federal budget last week, only 40 of the room's 120 seats were occupied -- and several of the reporters there had come to ask Carney about Ukraine.
Montgomery County Teachers Ratify New Contract
Teachers in Montgomery County have ratified a new contract that will provide raises totaling 5.5 percent over three years, but it also requires educators to pay more for health insurance.
Blinken: U.S. would not recognize Crimea secession
Deputy National Security Adviser Tony Blinken said Sunday that if Crimea votes to join Russia in a referendum next week, the United States would not recognize it.


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By CIRI Historian AJ McClanahan
The project, which has taken on a life of its own, is a labor of love for Pilkinton. She started it about 30 years ago when she realized there were so many cousins from her mother's siblings that it was a challenge to remember all their names. Pilkinton was born Nov. 10, 1921, in the Interior village of Rampart, the daughter of Florence Pitka Knox and Charles V. Knox. Pilkinton is the eldest of seven children. Her mother's parents were Paul and Sarah Pitka. They had eight children who survived to adulthood, including the girls, Florence (Hazel's mother), Mary, Lena and Madeline; and boys, Timothy, Albert, Charley and Richard. Pilkinton's research goes back only to her grandparents because tracking their ancestors has so far proved to be difficult. The parents of her maternal grandparents were born when the Russians controlled parts of Alaska, and researching those records is difficult, she said. Her grandfather's last name was Russian, Pavlof or Pavlov. Her grandfather later changed his name to Pitka, and one of his brothers changed his to John Minook. Both of her grandparents were fluent in Russian, she said. Pilkinton said her parents, who were married in Rampart in 1920, lived there until her sister Alice was born in 1923. When she was six weeks old, they moved to Ruby by dog team in March and stayed there on and off until World War II. "They moved a lot because of trapping and fishing," she said. "The family depended on subsistence." Pilkinton said that in the days before World War II in Alaska, villages often had a Territorial School for non-Natives and a Bureau of Indian Affairs School for Alaska Natives. In Ruby, which had a total population at the time of about 300 people, however, there was only a Territorial School attended by all the children of the village. "The Territorial School was wonderful," she said, noting that the entire school had 21 students, including four non-Natives. She didn't recall much discrimination from those days, but said she was aware that Native women who married non-Native men were barred from membership in some organizations in other parts of the state. Pilkinton recalled that Ruby was a close-knit community. There were dances every Saturday evening at the community hall, attended by all, from the youngest to the oldest in the village. "Even the children went," she said. School only went to the eighth grade, and those who wanted to further their education went to high school in Eklutna, she said. Pilkinton could not attend because she had had rheumatic fever and had been left with a heart murmur. Pilkinton said her genealogy work is based on oral history from family members and that she has little written documentation to back up her research. She said most early historical books about Alaska rarely identified Alaska Natives beyond stating a photo showed "one Indian or two Eskimos." Adding to the difficulty in tracking down information is the fact that people did change their names, she said, as with her grandparents' generation. "Right now it's just a family document," she said of her family tree. But she noted that she is one of the charter members of the Skagit Genealogical Society of Mt. Vernon, Wash., and continues to seek further information on her family's background. Pilkinton is pleased that the younger generation of her nieces and nephews has taken a great interest in learning about their family background. She's been told that one relative provided a copy of the family tree to the University of Alaska Fairbanks Museum, which has displayed it. "I'm glad to see the younger generation getting interested," she said. "Knowing some of the history of their own ancestors makes them more interested in history around the world." |
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Jeez guys I can't believe it wasn't obvious from the start.
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Both my arms are covered in tattoos, and I dont give off an i'm an idiot vibe... I have a great job, and own an investment company. Its how you carry and handle yourself. If you dress like a slob, look like your homeless and have tattoos, then i get it. But tattoos are more and more the norm. Not excessive tattoos, but at least 1. Grow up, and this article is why we should have very strict and limited terms in congress.
Plus I do find the article slightly racist. He does make it seem that two white qbs with tattoos are okay for what ever reason, and then mentions two black qbs again and hints that what they drive is too ghetto... Maybe he should start talking about all the WHITE NON TATTOOED CEOS that F'D millions of people out of their hard earned money, and sent the country into a financial crisis... You know, the WHITE NON TATTOOED guys that are clearly superior at life... Go back to the golf course and complain in the mens room that negros, and women are now in club house... while you sit naked in the sauna with 3 other fat guys dreaming of the good ole days.
Am I drunk or WTF is going on? I quote Ted's post and another badass paragraph pops up.
in before closed.
First, I just want to say I'm going to judge all people who judge people with tattoos as idiots as idiots. Get it? I can add parenthesis if needed.
Also, I hope you're not the least bit serious. I'm starting to lose track on if I should trust people with tattoos or without. I'm starting to think we should just arrest everyone and call it good by following this format:
People with tattoos: ARREST THEM
White people without tattoos: ARREST THEM, IT'S THEIR FAULT
Black people without tattoos: LET THEM BE, DON'T BE RACIST
Any other minority: ARREST THEM
The Bengals had an injury at center in training camp.
They put in a call to a guy selling insurance in Florida (white BTW).
This guy is totally inked on both arms.
Most people don't picture buying insurance from a huge illustrated man. Might be another way that the world is changing
Tattoos, like most anything, can be over-done.
What if you are a black QB that spent time in prison? Scotty C was a thug without tats, so the two don't always go together.