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I have always been intimidated by the word "spreadsheet." I don't know why — maybe because numbers intimidate me! Nevertheless, when I realized my methods of tracking my budget were ancient, time consuming and inefficient, I decided to be brave and start a spreadsheet for my couponing adventures. Setting up the spreadsheet was not exactly easy, but now that it's done, it has become my new best friend! You may have read this recent KCL post on using a spreadsheet to track your savings. If you still aren't convinced, read on. Here are seven reasons why you may find it worthwhile to use a couponing spreadsheet:
1. Instant gratification
I love to enter my receipts and see how much money I saved. Sometimes I feel like I can't get to the computer fast enough! For example, here is how I entered a recent receipt from Walgreens on my spreadsheet: Total cost; $7.98, coupons; $6.00. Final out of pocket; $1.98. Percentage saved: 73.89%.
2. Combat overspending
We've all done it. How many times have you looked at your budget and realized that you spent more money than you intended to at one store? For example, Harris Teeter is my main grocery store. I was reviewing my spreadsheet for this month and saw a receipt for $117.00. That is much more than I normally spend at one time, so I pulled the receipt to see where my money went. There were several stock-up deals, some great prices on meats, and dog food was on sale. The money was well spent, but that red flag on my spreadsheet helped me make sure I wasn't mindlessly going over my budget.
3. Track rebates
How many times have you mailed in a rebate, only to lose track of how long you'd been waiting for your check? Set up your spreadsheet with a rebate column so you can track the amount of your rebate and when it was mailed and received. Rebates help your bottom line, so it's important to track them carefully!
4. Spending accountability
This is my least favorite part of the spreadsheet. I admit it, I love to shop. I love it even more when I save lots of money, so since I'm a KCL, I tend to shop a lot. At any time, I can look at my spreadsheet and see how much money I have left to spend for the month, so I know when it's time to slow down my spending and use rolling rewards, gift cards, ECBs and +UPs to get the items I want and still stay within my budget!
5. Paperless tracking
I use one particular credit card for all of my coupon purchases. This card is paid off each month, has no yearly interest fees, and I make money with my purchases. However, I don't like to log in to the credit card account to track my expenses — it's just too much trouble. I've tried writing down my purchases to keep track of how much I have spent for the month, but that's too time consuming, and then I have to be sure not to lose the paper. My spreadsheet is saved in my documents on my computer — no password, no paper, and no need to access the Internet!
6. Calculate your savings percentage
Set up your spreadsheet to track how much you saved on each purchase. I log store discounts and coupons for each transaction to find my percentage savings. My target is at least 50 percent savings, and my goal is 75 percent. Look below the total on your receipt and you will find your store savings and coupon savings. For example, Harris Teeter figures the store savings amount along with the coupons I have used during the transaction. Their receipt also shows my store savings for the year. Per my spreadsheet, my current monthly savings rate is 63.04 percent!
7. Transitional changes
As you know, a budget is a guide — it's not set in stone. Some months I may spend more because of holidays or birthdays. Some months are shorter, so I might save more money in February than I do in March. Sales are cyclical, and you can adjust your budget accordingly. Your spreadsheet will help you see how fluctuations in your monthly expenditures tend to even out in the long run. Flexibility is something we couponers are well acquainted with, so don't forget to apply that adaptability to your budgeting, as well!
This article will show you how to create an Excel spreadsheet for your family budget. You can also use Google Sheets for access to your spreadsheet from any device!
This is a guest post by Tammy from St. Pauls, NC
Find out more about the KCL Contributor Network!
Leave a Reply
14 thoughts on "Extreme Couponing Tip: 7 Reasons to Use a Couponing Spreadsheet"
I found the sample spreadsheet that I use on The Coupon Project.
I love mint.com for budgeting in general, and I have been tracking my couponing savings on my account here to save time over a more detailed spreadsheet. It's a great idea, but for those short on time, it hardly takes any effort, and you still have a general idea of what you're spending and where.
My main shopping is at Walmart, Target, Walgreens, and Rite Aid.
Greatly appreciated!!
anybody?? I could make one, but with my ADD it would take FOREVER!! Please let us know if you have one you would like to share!!
I would LOVE an example template as well!! I have tried a few I found off Google but I really didn't care much for them
I use my spread sheet for my shopping list's
do you have a blank master copy you would be willing to share?
I swear I am one oddball couponer! I don't make spreadsheets….
I work about 50 -60 hrs a week while in school full time so I just make a quick shopping list once a week for CVS, Walgreens, Target and Walmart. Spreadsheets are great, but I only have one for my bills/budgets for the month. I did watch an extreme couponing episode where the lady looked pretty calm and confident about her purchases versus the others who did not have a spreadsheet. I'm actually curious how many people do make them?
I hear ya, as a school teacher….yah, I don't have time LOL
I have seen how other people use spreadsheets for couponing, but I am fairly new to couponing and have no experience with spreadsheets… I tried to follow the link for setting up a spreadsheet, but it seemed more like a family budget than a coupon spreadsheet. Are there any pre-made spreadsheets for couponing?
I am in the same boat, I am fairly new and would LOVE to be able to set up a spreadsheet (I am SUCH a big fan of keeping track of the smallest of details). I just know that if I attempt to set it up myself I will drive myself KRAZY with ridiculous details. LOL. Anyone have a template for this??? I would be EXTREMELY grateful! <3 TIA!
I would also love to see a good spread sheet for couponing, not one that just keeps track of your spending after having purchased items but one where I can put in my coupons and then sales info and have it help me find the best deals for stores that are local here.
Search "fabulessly frougal", on that website there is a pre-loaded spreadsheet with all the coupons in the newspaper, organized by insert! You can easily delete any old inserts, and add a new page to keep up with it. This really made my shopping trips so much easier, because you can just hit "Find" and type in the coupon you're looking for, instead of scrambling through all your coupons.


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|Player Development
|Uniforms/Spirit Wear
Annie Stevens and Sammy Flynn, both members of the TSC 15 Girls Premier team, were part of the Harpeth Hall High School girls varsity soccer team that earned a hard fought win against Father Ryan this past Saturday Nov. 2 to gain for the first time in school history the Division II-AA State Championship title. Both Annie and Sammy are starting outside backs for their Harpeth Hall team coached by Meggie Lucas. Annie is a starting outside back and Sammy is a starting center midfielder for the TSC 15 Girls Premier team coached by Josh Severns. Both are juniors at Harpeth Hall, maintain a 4.0 GPA in honors and AP courses and will graduate in 2015. Congratulations girls and to the Harpeth Hall team on this historic win!
Tag(s): 15 Girls Premier

subset: commoncrawl


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Written on: 04/09/2008
Good Points
Great machine, cold filtered water on tap, easy to use.
General Comments
Only buy this if you can take out a cheap maintenance contract with it. I am now on my third machine which I purchased from Argos, have taken cover as it breaks down after about a year.
My daughter is also on her third machine and her replacement has only lasted just over one month. The motor is obviously not designed to run continuously and packs in very quickly. Needs a better motor in it and it would be great.
As rated by real users
" The VERY best in whole house water and ScaleSolver systems " Read More
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INDIANAPOLIS (AP) -- Rachel Banham scored 22 points Thursday night, including 10 of 10 free throws, as Minnesota rallied to beat Wisconsin 74-68 in overtime to win their opening-round Big Ten Conference tournament game.
The No. 6 seeded Golden Gophers will face the winner of Friday's game between No. 5 seeded Iowa and No. 4 seeded Purdue. Iowa beat Illinois 81-62 Thursday to advance.
Minnesota used a 7-2 run to take a 68-63 lead in overtime, then Banham made four free throws in the final 8 seconds to clinch the win.
Kayla Hirt scored 14, Amanda Zahui 12 and Stabresa McDaniel 10 for the Golden Gophers.
Michala Johnson led the No. 11 seeded Badgers with 19, Morgan Paige had 16, and Taylor Wurtz 13.
Wisconsin led 35-21 at halftime, and led 61-58 in the second after free throws by Paige, but Banham tied it with a 3 at the end of regulation.
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A body found in a creek at Camp Jordan in early October has been identified as 46-year-old Ernest Hair of East Brainerd.
East Ridge Police notified the family Monday morning.
Because of the condition of the body, the body was sent to the Forensics and Anthropology Department at UT.
Mr. Hair is survived by three sons.
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Paint flies all weekend long at Antioch Paintball Park, as teams of players vie for control of two fields littered with hay-bale obstacles or Sup'Air bunkers. Large nets next to the field protect observers and wayward butterflies from paintballs. The field boasts a large grill area for teammates to tell colorful war stories while eating grilled hot dogs and gulping down energy drinks after a quick rinse in the onsite showers.
Though sunlit fields are typically the site of football games and cow sunbathing, at Fairfield Extreme Sports, they serve as the grounds for colorful paintball skirmishes. Players charge the outdoor fields, quickly diving behind inflatable obstacles to shield themselves from the incoming barrage of paintballs during games of speedball and recball. Throwback Thursdays give players a taste of old-fashioned paintball matches that feature semiautomatic markers and the traditional postmatch exchanges of, "Good show, old chap."
Flying chromatic spheres splatter across the turf and cover of Midway Paintball's six fields situated on 22 acres of woodlands and open spaces. Protective rental gear and paintball markers aid games of elimination, capture the flag, and save the king. The western field's buildings shelter tactical retreats, and the hyperball field's huge prone cylinders of corrugated piping allow for cat-like surprise attacks or intimidating sudden naps. Dotted with inflatable cover, the astroturf-covered NPPL?regulation field presents an ideal arena for professional-grade matches.
In honor of Women?s History Month, Groupon is celebrating an inspiring group of women: business leaders whose companies and brands enrich their communities. Thanks to the dedication and ingenuity of these leaders, local communities across the country are stronger and more diverse.
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Escape curates friendly competition within its 45,000-square-foot facility, which houses massive paintball and laser-tag arenas. The faux-combat emporium houses two indoor paintball fields, including a castle-themed map in which players defend flags just like peasants did in the days of medieval paint arrowing. Ribbons of light cut through the ominous fog that hangs over the 5,000-square-foot Q-ZAR Lazertag arena, a maze-like structure illuminated by black lights and soundtracked with high-octane beats. After rounds of recreational warfare, guests can relax at Escape's arcade or tap into the building-wide wireless Internet to send an email ordering an ambush on an unsuspecting pal.
Clad in masks and wielding toy weapons, combatants crouch, hustle, and weave their way through the many battlefields of Playland. Players trade colorful fusillades at Playland's newest arena?their outdoor paintball field?while in the indoor airsoft theater, challengers duke it out in military-style tactical scenarios. In the laser-tag arena, weaponized beams of light fill the air as fighters compete as the stadium tracks the accuracy of their shots, documents their kill/death ratio, and assigns them to several types of missions. Playland also opens its battlegrounds for the dart- and foam-flying fun of kids' Nerf games.
The locations that comprise Paintball Tickets challenge hue-happy gamers to a range of combative revelry fought with air-powered paintbrushes. During games, referees maintain a fun and lighthearted wartime experience while competitors engage in capture-the-flag style strategy. As players navigate the terrain on a quest to invade the other team's territory and avoid epidemics of trenchfoot, they covertly scope opponents and peg them with bright-colored pellets to dull their chance at victory.


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Steph&Justin11's Mom Answers Activity
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Pregnancy > Newly Pregnant (2 helpful answers)
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Can I get pregnant on antibiotics?
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There are known links between sexually transmitted infections and the inability to conceive, however, this is caused by damage to the rep...posted by a BabyCenter Member
Does anyone know of any programs/ activities for toddlers with Autism?
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Are you on Delayed Darlings? So many awesome ladies over there with amazing advice.posted by nycjenniferleigh
Does anyone know of any places that offer activites for children with autism?
posted by Steph&Justin11 02/14/2013
If not alot of children will be attending should I still have my sons second birthday at Gymboree?
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I would also like to add that last year, we had our sons first birthday party at our house, and it was crammed, even though not every one...posted by Steph&Justin11
Bad Dreams about death...
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Moms to be: What week did you feel your baby move for the first time?
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This is my 3rd baby and I felt a flutter at 16 weeks. I'm 22 weeks now and this little baby just WON'T STOP!! :o) I've finally made it pa...posted by Shazun12


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The "geek mind" is concerned with more than just the latest iPhone rumors, or which company will win the gaming console wars. I4U is concerned with more than just the latest photo shoot or other celebrity gossip.
The "geek mind" is concerned with life, in all its different forms and facets. The geek mind wants to know about societal and financial issues, both abroad and at home. If a Fortune 500 decides to raise their minimum wage, or any high priority news, the geek mind wants to know. The geek mind wants to know the top teams in the National Football League, or who's likely to win the NBA Finals this coming year. The geek mind wants to know who the hottest new models are, or whether the newest blockbuster movie is worth seeing. The geek mind wants to know. The geek mind wants—needs—knowledge.
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DEBRECEN, Hungary, July 19. TONIGHT was a true testament to just how tough the Iron Lady Katinka Hosszu has become. At the Hungarian Open Nationals, Hosszu ran her total tally to eight individual tit...Read More »
DEBRECEN, Hungary, July 18. FOR the first time all week at the Hungarian Open National Championships, the Iron Lady Katinka Hosszu wasn't the top headline coming out of Debrecen. The men's ...Read More »
DEBRECEN, Hungary, July 17. THE Iron Lady Katinka Hosszu, who is swimming in every single event here at Hungarian Nationals, and has made it through to all semis and finals thus far, has now won four ...Read More »
DEBRECEN, Hungary, July 16. AS previously reported, the Iron Lady Katinka Hosszu has entered every single event at the Hungarian Open National Championships here in Debrecen, and she had a strong fir...Read More »
Florent Manaudou Tops Splash-And-Dash; Katinka Hosszu Collects 4th Title at French OpenJuly 5, 2014
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VICHY, France, July 4. THERE were plenty of stars out tonight at the French Open, albeit a bit chilly with inclement weather causing all sorts of schedule delays. The Iron Lady Katinka Hosszu, howeve...Read More »
Five Men To Watch At The French OpenJuly 2, 2014
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Iron Lady Katinka Hosszu Downs Hungarian Record En Route To Impressive Double Win in MonacoJune 8, 2014
MONTE CARLO, Monaco, June 8. THE Mare Nostrum series certainly got off to a strong start here in Monaco, and the Iron Lady Katinka Hosszu did not disappoint either on the final day with a double win ...Read More »
Daiya Seto Pulls Off 200 Fly Upset At Monaco Stop of Mare Nostrum; Nathan Adrian Takes 100 FreeJune 7, 2014
MONTE CARLO, Monaco, June 7. THE first day of competition at the Monte Carlo stop of the popular Mare Nostrum circuit featured an upset victory in the men's 200 butterfly, a South African nationa...Read More »
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MONTE Carlo, Monaco, June 3. RYAN Lochte's name appears nine times on the start lists for this weekend's Monte Carlo stop of the popular Mare Nostrum circuit, but the Olympic champion will n...Read More »
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Manaudou, Lacourt and Agnel Impress on Day Three of French Nationals With World-Ranked SwimsApril 10, 2014
CHARTRES, France, April 10. THOUGH he will not race against the Australians this year, Florent Manaudou showed that he wants to end 2014 as the fastest sprinter on the planet with a speedy swim in the...Read More »
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Ryan Lochte, Kathleen Baker Cruise At Charlotte SectionalsMarch 15, 2014
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Anonymous said: do you know the password thingy for the vincent moon mirror noir so i can access it? sorry if i dont really make sense
oh yeah, for people who don't know
Watch Histoire De Feu, a documetry that was made about Arcade Fire and never released, here.
the password is: temporaryareas
For anyone else that wants to watch Histoire de feu, highly recommended!
Do you guys remember when the password was first made public people were debating on whether the password should be shared with other fans because clearly AF didn't necessarily want histoire de feu to be viewed. Lots of people were against sharing the password but yeah today it's different. Which is awesome because i think every AF fan should have the opportunity to view this awesome movie.


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3. Ushiku Daibutsu, Japan
Completed in 1993, the Ushiku Daibutsu located in Ushiku, Ibaraki Prefecture, Japan stands a total of 394ft tall. (Flickr/pinboke planet)
With a total monument height of 394ft, the Ushiku Daibutsu in Ibaraki Prefecture, Japan is one of the world's tallest statues. It depicts Amitabha Buddha and is made of bronze.
An elevator takes visitors to an observation platform located 278ft off the ground floor which offers views of the flower garden and animal park, according to Ibaraki Guide. Visitors can also explore two other levels of exhibition space located in the statue: the second level is home to scriptural studies, the third level houses 3,000 gold Buddha statues.
NEXT: One of Myanmar's most popular attractions


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Recently, I was looking over class pictures from elementary school (ages 5-11) with Chickie, my middle schooler. What saddened us both was that so many little chickies (my term of endearment for girls) are currently being pressured to trade in their true, sweet, first grade selves of yesterday—their original personhood—for whatever others want them to be in this fleeting moment of tween/teen angst. 938 more words
Tags » Tween
7 Ways I'm Helping My Kid Resist Peer Pressure
Like every parent of an incoming junior-higher, I'm filled with excitement and anxiety for what the future holds for my son. I think about the friendships he'll form, the rush of his first crush, and the scary and difficult decisions he'll someday have to make. 230 more words
Proceed with Caution: You Are Now Leaving Childhood
The word "tween" has been used to describe those between the ages of ten and twelve, especially girls. The label seems appropriate as they seem to fluctuate between acting like a child and acting like a teenager. 759 more words
As I start this page, I just wanted to tell you that I'm a average gal who is in 13 years old only. I want to share to you guys about my lifestyle, activities, and adventures. 26 more words
One dress, two tweens, and six great shots in under an hour
I had two beautiful sisters in my studio last month. To stretch myself creatively, I decided to try for three unique shots of each girl, each wearing the same outfit – a lacy vintage dress. 127 more words
How to Motivate a Tween
Um like, What's my motivation?
So how did we chose to motivate our tween?
It's much easier than you would think. You know how in elementary school you got gold stickers when you did something good? 388 more words
Musical Nostalgia
I thought I'd start off this blog by showing you my tween years' very cringe worthy musical playlist. And I'm gonna tell you why. Music has great power, it really does. 909 more words


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GREENWOOD, Ind. — Edyth F. Carr, 90, of Greenwood, passed away April 2, 2014.
The daughter of Ennis J. and Mattie J. Martin Swaim, Edyth was born April 9, 1923, in Rockville Ind.
After 20 years, she retired as a key punch operator from Tee-Pak in Danville, Ill. Edyth was a member of Greenwood Christian Church and the Southside Newcomers. She enjoyed playing cards, especially euchre and pinochle, and appreciated Big Band music.
Edyth is survived by daughter and son-in-law, Rita D. and Michael J. Tapp of Greenwood; grandsons, Brian R. (Karen) Tapp and Jason M. Tapp; great-grandchildren, Brittany D., Adam M., Madelyn M. and Landon M. Tapp.
Besides her parents, she was preceded in death by husbands, Leo J. Mallas and Paul O. Carr.
Services: 12:30 p.m. EDT April 5, at Forest Lawn Funeral Home, 1977 S. State Road 135, Greenwood, Ind., where friends may call after 10 a.m. EDT. Private inurnment at: Forest Lawn Memory Gardens.
Memorial contributions may be made to Greenwood Village South, 295 Village Lane, Greenwood, IN 46143. www.forestlawncemetery-fh.com.


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Philadelphia, PAUSA 19104
January 11, 2012
I am the President and founder of AQUA Corps! Specifically, I organize the community service activities. Don't forget to check out our website! I'm also a social worker, runner, and love the outdoors!
Great group of people!
Hi andrea was wondering on sun we meet at Dans house then go to philly? how does it work ? Also for tonight I asked Bindu if she wants to car pool havent heard back but I live in cherry hill so it might not be feesable for you but could I come with u or vice versa I am not sure where this place is GPS doesnt always work ..
Hi Andrea.
Hi Andrea, We're excited about our first MoMondays Philly on June 10th. Are you still able to come? We'll look forward to seeing you. You can save a few dollars by signing up at www.momondays.com. See you there!
You have a wonderful holiday also. Still unemployed so it has been a rough time. I'm looking to volunteer with AQUA again soon. I really love what this group is all about. : )
Hi Andrea,
Unfortunately I will not be able to attend The AQUA Corps Beef & Beer. I hope it is a success and great turnout.
to be or not to be is the question ...us poets have been stumped on that one for years...as they say beauty is wasted on beauties...not for nothing your beauty stings and cuts like a knife
Hi Andrea, Thanks for joining MoMonday's. We're excited about bringing this hot new idea to Philadelphia. Hope we see you on the 10th.
Just dropping in to say hello. :-)
Hi, Andrea. I will bring oranges. Do you need me to bring 100? I was wondering if I could get a copy of your 501(c) certificate to see if i can get anyone to donate goods for the charitable events.
Great! Thank you. I'lll give you a call..... Amy
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Cute Dog Misses His Owner
Posted by Chalups on Jul. 10, 2013
Posted by Chalups on Jul. 10, 2013
I saw one of these dogs kill a Pitball once ... it got stuck in its throat.
he's actually crying cause Obama ate his brothers and sisters
I hate Showing my feelings but I can't lie this is pretty fucking got damn cute....I hate this feeling
Every time I read the comments there are 5 things commented on: 1, racists, 2, moneymaking scams, 3, know it alls, 4, fake-mongers and 5, political shit. Grow up everyone.
Its not his/hers owner, its a parent figure you asses
The dog doesn't miss Andy, he can't take listening to you anymore so he trying to say SHUT THE FVCK UP the only way he knows how.
Cute but listening to that lady speak is like nails on a chalkboard
@Daniel-Harris-180 Agreed. Some people on here have some serious personal issues. I guess they're venting their frustration with their own shortcomings.
@Cesar-Rivera-299 it is his master who puts peanut butter on his nethers for the dog to lick off.


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Luxury Paris Day Trip with Champagne Lunch on the Eiffel Tower
Read what other Viator.com travelers think about the Luxury Paris Day Trip with Champagne Lunch on the Eiffel Tower. What they loved, what they liked and what they think could be improved, it's all here to help you make the most of your next trip.
Click here for tour details, schedule and pricing
Seeing the Mona Lisa in person was a once in a lifetime experience!!!
I give this trip 5 stars!!! It was a busy day but very fulfilling. Our tour guide was very knowledgable. Lunch was delicious at the Eiffel Tower. My only complaint would be that our tour guide could have been more visable and should have walked alittle slower for the older people in the group.
The River Cruise down the Seine was wonderful and the tour guide was very knowledgable and Funny!!
Excellent ! Very nice guide ! Recomment this tour highly !
wonderful tour and a great guide, well worth the cost
A really great tour; got a nice introduction to the city by Charlotte! Riding the Eurostar a fun bonus; would highly recommend this tour to anyone.
This was the PERFECT tour for a taste of Paris. I only had time to visit Paris for 1 day but this gave me the opportunity to see all the major sites. I paid the small extra fee to go on the guided tour of the Lourve and Im glad I did. I cant wait to go back to Paris and I definately plan on using Viator for tours of other citys!
it was a most enjoyable day--worth every cent !!!
The guide was very knowledgable and pleasant.
Adam S
Fantastic day. If you have a chance to take this trip you have to do it - I can't recommend it enough.
Absolutely fabulous trip! Charlotte was a great tour guide! Also, being able to skip the line at the Eiffel Tower for lunch was the greatest! Amazing river cruise on the Seine and loved the Louvre!
Great trip. See all the tourist sights in Paris in one day. Lovely lunch in the Eiffel Tower. Opportunity to see the Louvre for an additional cost. Would recommend.
What a wonderful experience! Our guide Sev was excellent, very informative and we didn't have to line up anywhere. Lunch on the Eiffel Tower was wonderful and the chocolate dessert was to die for. Eurostar first class experience was excellent and a most comfortable journey. Sev and our driver Mohammed in Paris, plus the pick up and drop off staff in London were excellent and all ran to time. Would highly recommend this trip to all wanting a taste of a Paris, but remember the Louvre is closed on Tuesdays.
Jan W
Our day trip to Paris was fabulous! From the Eurostar to the Louvre, everything was more that we expected. However, without our guide Charlotte, the trip would not have been so special. Charlotte is a treasure and made our time in Paris so memorable. Her musical voice and vast knowledge created an unforgettable 40th anniversary trip for my husband and I. Thanks, Jan Williams
It is a very nice trip. The tour guide is very organized and helpful. Much appreciated.
Julie W
Charlotte was our tour guide - and she was absolutely the most delightful and well informed guide we have ever had during many travels. It was so helpful to have someone meet us at the train station and guide us to our train - everything was so well coordinated and well thought out. The only criticism that I have is that the lunch in the Eiffel Tower was just OK at best - really expected more from the famed Parisian cuisine! But the view and the champagne more that made up for that! The river cruise and the trip to the Louvre were special high spots, and we really enjoyed Charlottes extensive knowledge of art history on the peices that we were able to observe. We would highly recommend this trip to anyone who only has a short time to see the highlights of Paris!


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The Purdue Boilermakers have named Caleb TerBush their starting quarterback for Saturday's game vs. the Notre Dame Fighting Irish in South Bend, Ind., according to GoldandBlack.com (via Twitter).
TerBush was suspended for Purdue's opener vs. Eastern Kentucky for violating team rules. Head coach Danny Hope is doing his best to maintain an order of discipline with his football program, which has seen five players arrested so far in 2012.
TerBush started all 13 games for Purdue in 2011, throwing for 1,905 yards and 13 touchdowns. In last season's game vs. Notre Dame, he completed 10 of 15 passes for 101 yards and a touchdown, while also throwing an interception.
Robert Marve started in place of TerBush in the Boilermakers' opener, throwing for 295 yards and three touchdowns in a 48-6 victory. Marve served as TerBush's backup in 2011 after missing the final nine games of 2010 with a knee injury. Marve transferred to Purdue from the University of Miami prior to the 2009 season.
For more on the Boilermakers, be sure to visit Hammer And Rails, while additional coverage of the Irish can be found at One Foot Down.


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Student Veteran INTERNBookmark This
First Data
Atlanta, GA
DescriptionFirst Data is currently looking for an Intern to work in our Atlanta, Georgia office with our Implementation Services Team. This is an opportunity to work as part of a truly global development team, working with professionals across the enterprise. Implementation Services is a key enabler to tens of thousands of merchants and businesses, equipping them with the ability to process electronic and paper payments - a critical part to every business owner's success. This position will include involvement in special projects across the entire First Data enterprise
First Data is committed to supporting our military community and facilitating veterans' transition into the civilian workforce. We welcome the distinct capabilities and skillsets veterans and military spouses bring to the company. In addition to our robust employment and career programming, we also offer a variety of internship and fellowship opportunities to transitioning service members, student veterans, and military spouses.
Each fellowship and internship opportunity includes training curriculum, mentoring, and on the job experiential learning, allowing participants to explore the many facets of our global company while First Data benefits from the entrepreneurial spirit, integrity, and innovation that veterans and military spouses bring to the work place.
Job Specific Responsibilities
Candidate Requirements
- Must be currently enrolled in a College / University pursuing a degree in business, computer science or related degree
- Current class standing of Freshman or above
- Must have a current GPA of at least 3.0 (on a 4.0 scale)
- Knowledgeable in the use of PC applications/MS Office Suite of Tools/Excel specifically
Business Segment Overview
First Data is a leading provider of payment solutions for financial institutions and merchants around the world. With over 42 Billion merchant transactions annually and nearly 750 Million credit/debit cards on file, First Data powers the payments value chain in over 80 countries across the globe. We are proud of our extensive customer relationships supporting over 7,000 financial institutions and the largest merchant distribution network in the industry with over 1,200 partners servicing merchants large and small.
Our 25,000 employees are industry experts helping businesses simplify payment processing and improve the customer experience with our broad portfolio of solutions, including: Credit and Debit card issuing and acquiring, STAR® PIN-Debit Network, Point of Sale Terminals and deployment services via our subsidiary, TASQ Technology, Gift Card and Loyalty Solutions, TeleCheck® Electronic Check Acceptance Services, MoneyNetwork® Payroll Distribution, eCommerce and online banking solutions, world-class security services like our new TransArmorsm STAR® CertiflashSM Solutions, and more.
First Data. Beyond the Transaction.


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OPPS Proposed Rule Significantly Affects Coding
Under the proposed rule Outpatient Prospective Payment System, evaluation and management coding and reimbursement for hospital outpatients could change dramatically. The changes may reflect "CMS's desire to create payment parity between the hospital-based clinic setting and physician offices," says one expert.
CMS released a number of proposed changes to the Outpatient Prospective Payment System payment system July 8. The 2014 OPPS Proposed Rule is shorter than normal at 718 pages, but the proposed changes are significant and probably the most sweeping changes since the inception of OPPS, says Jugna Shah, MPH, president and founder of Nimitt Consulting.
See Also: CMS Releases Proposed OPPS, Physician Fee Rules
The proposed changes to the OPPS payment system are just as significant as the changes proposed in the 2014 IPPS Proposed Rule, says Kimberly Anderwood Hoy, JD, CPC, director of Medicare and compliance at HCPro, Inc., in Danvers, Mass. "Just when we thought CMS couldn't shake things up more than the two-midnight proposal in IPPS, they are shaking up OPPS just as much."
Evaluation and management
Evaluation and management (E/M) coding and reimbursement for hospital outpatients could change dramatically.
Currently, hospitals report five different levels of E/M CPT® codes for new patient clinic visits, established patient clinic visits, and Type A ED visits, and HCPCS G-codes for Type B ED visits. Under the proposal, CMS would replace all of these codes with three new HCPCS G-codes. The G-codes would be assigned to three different visit APCs:
- One APC for all clinic visits
- One APC for all Type A ED visits
- One APC for all Type B ED visits
Comments are moderated. Please be patient.
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- CNO Leads $1M Charge for New Scrubs, Uniforms
- Sharp HealthCare Leaves Pioneer ACO Program
- Proton Beam Therapy Poised for Growth in US


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What was your position at Marsulex?
L: I was hired as the CFO because I had operating experience. But they also were hiring an operating person with good business judgment. This was the first time I was exposed to private equity so I had gone from the big corporate Suncor to an entrepreneurial Dynatec.
So what was their perceived need? Did they have a CFO?
L: Marsulex had been spun out of CIL, so it had been operating for five years.
At first, it was "manage the cash and pay down the debt" because it was a leveraged buyout and private equity-owned. The first CFO had come from CIL and left after three years. Somebody from the private equity firm was the acting CFO for the two years prior to my arrival. When I arrived there was recognition that they wanted to keep and grow the business and creating a new management team was necessary to achieve all of that.
Who was the original Private Equity group?
L: Brent Belzberg and David Bookbinder when they were at First City. After First City they formed Harrowston and acquired Marsulex from First City.
Tell us about life at Marsulex.
L: It had started with divisional management. I had come out of CIL and was running the business with help from private equity. Now it was time to take it to the next level. I still remember the first three mandates or goals that I was given — probably a good thing for a boss to do with a new employee. That avoids having to figure out what the priorities are.
I was given the goals the day I arrived and one of them was find a new system. I didn't know anything about systems. I knew I would have to deal with the offices. There was essentially a U.S. head office and there was a tax issue that needed addressing. I knocked the first two off in the first couple of months that I was there. The challenge was the new system. Marsulex came out of CIL, and CIL actually happened to be the first Canadian SAP installation of SAP. The SAP system at Marsulex had not been updated because it was very customized if we wanted to stay with SAP we would need to treat SAP as a new install. What I was told was that we needed a new system. SAP had already had the reputation of being difficult to operate and expensive and so I could do anything I wanted as long and it wasn't SAP. However, the first thing I determined was that the only real solution was SAP. I was starting off not knowing anything about systems so I had to figure that one out very quickly. The fact that I didn't know anything about systems and that I had to learn it on the fly allowed to be unbiased and therefore I chose SAP as the best solution.
You came in unbiased, other than what you were being told?
L: I didn't even know what SAP was when I arrived. That was an advantage of just using some basic business judgment and logic and going through the analysis and coming up with the conclusion that I couldn't do anything but SAP. The simple reason was that we already had a lot of the efficiency built in as a result of using an enterprise-wide system and to go away from that would have been a backward step and we couldn't have operated efficiently without adding more staff. Try and tell someone that you need to put in the new system and by the way we have to add staff — that just wasn't going to fly. Needless to say a big challenge was convincing the board that we needed to put in a new SAP installation. But that's what we did; bearing in mind the strategy was to grow the business so that it was consistent with the strategy. SAP is highly scalable so if we had done anything else we would not have been able to grow the business the way we did and integrate businesses into Marsulex. It became the backbone from a systems perspective.
What was the cost, over what time period?
L: It was over $2 million, over the course of less than two years on top of whatever the licenses would be. It was the second biggest capital project that the company had in its history until then.
Did it work?
L: It was one of the few installations at the time that was both on time and on budget. The methodologies that we developed, SAP actually adopted to install in medium-sized or businesses of a similar size. It accomplished everything we said it would and we were did it both on time and on budget – and it touched everyone in the business.
Well, if you think about the cost, we had about 100 employees. At that time the new version of SAP was what we all take for granted today thinking of Windows and how intuitive that system is, everything prior to that was still DOS-based. We hadn't invested in any PCs; we still had a lot of terminals inputting into a mainframe, so it was a terminal mainframe environment. There were two things that became very clear. One was that I had only a half dozen people that knew how to use a PC. Everybody else was operating with a terminal on a mainframe. We had to teach everybody how to use a PC as well as how to use SAP. I realize it wasn't wise to do both at the same time so the first half million was spent buying everyone brand-new PCs. This was 1994 and PCs still were not commonplace in the business environment. We did an acquisition of a business in 1996 of a couple chemical plants in operation and the first thing I did was integrated them into SAP. Again, the same issue came up where the only computers they had were three or four PCs in a room all together and if somebody wanted to one he went over from his desk and used the computer in a separate room. Nobody had a computer at his desk.
How did you go about installing the system and training the people?
L: The advantage of not having much systems experience was helpful because I too had to learn it, using a combination of experts and advice and one thing I have gotten pretty good at is knowing how to decipher who is a good advisor and who is not. The other aspect of the install was my experience at Suncor and to a certain extent, both at Tricil and Dynatec. I learned at Suncor how to execute capital projects and the biggest mistake people make in terms of systems projects is that they forget that it is just a capital project. The easiest way to blow your budget and your schedule on a capital project is to change the scope after you start. Most people change the scope on a systems project or never define it at the start.
We determined what the scope was, and insisted on a couple of simple rules. One was to not allow anyone else to change the code. We changed it twice and that was only because SAP agreed and said that we needed to and they changed it for us. But otherwise it was a pure SAP application as it was intended. The second thing was that we didn't change the scope. It was run like a capital project, which I think some people found strange because no one ran a system installation like a capital project.
What about the tax issue?
L: That was more of a straight analytical exercise and that one I was able to accomplish. Management thought it was probably a fairly significant thing and I was able to justify by using basic analysis to figure out what we needed to do and so that one was probably pretty easy to knock off.
And dealing with the other offices?
L: That was what you would call more political. Having two administrative offices didn't make sense from a business point of view. The tough part about that was that we had to let everybody go out of one office and consolidate it and so it was a case of a half a dozen lay offs in Connecticut and hiring half of the people back in a different location.
It didn't make any sense that the office was in New England. The two offices didn't work well together and the tough part was the feeling was that there could have been greater savings but because a many were finance and admin staff, it allowed me to hire the right people in one Toronto location. It was a little bit of a reverse with what typically happens with Canadian companies where the jobs in Canada are eliminated and moved to corporate offices in the US. It was the opposite of that but it wasn't an easy decision because you are laying off people and you then have to rehire them in one location. It didn't make sense long term to have two offices.
What were Marsulex's prime functions at this time?
L: At the time Marsulex was primarily a chemical distribution business and didn't have any operating plants. From the point of view of the biggest contract, the business involved taking all of the sulfuric acid out of a smelter and moving it to market. We had the infrastructure to do that all the way from the railcars to the storage capacity closer to market. Pretty traditional chemical sales and distribution. Starting in 1996 we acquired our first chemical plants and Marsulex was predominately a chemical manufacturer with chemical operations by the time I took over in 2004 as the CEO.
Sulfur and sulfuric acid or SO2 was a major chunk of the business, but our biggest customer group at the end was refineries for which we processed byproducts and waste streams or emissions. So we touched on chemical, manufacturing and environmental services and as a broader definition we were in industrial services.
What was that like when you had the keys to the kingdom finally in 2004?
L: What was different for me was that I felt like I had been in training for most of my career to become the CEO. It wasn't as if I suddenly found myself as the CEO, not knowing what to do. I felt I knew exactly what I wanted to accomplish. When I took over as CEO in 2004, ownership of Marsulex had changed. We had become a public company in 1996 but still private equity controlled it. There were new private equity owners when I was appointed in 2004. TD Capital bought Harrowston and its managers were spun out of the bank to form Birch Hill, primarily comprised of ex managers from TD.
The feeling was that I was capable of getting them to a transaction or to an exit. The private equity owners are always going to exit the business and I think they saw me, given my background, as someone who was really there to provide that exit. I wasn't given a mandate to grow the business but I took it back to the board that I felt that there was an opportunity to do more with the company. Rather than being a short-term CEO for an exit, I ended up holding the office for close to seven years and the company became substantially larger.
What was the measure of that? How much larger?
L: We more than tripled the number of employees and doubled the revenue. But from a profitability point of view, it was close to three times. There was no more equity put into the business and we actually paid down debt through that period of time. I was running the operations from the time Birch Hill/TD Capital (if you look at them from a fund perspective) took over and by their measures it was a four and a half times return of capital for them and over $200 million of value created. From a private equity perspective these are good returns.
What new measures did you suggest when you went to the board?
L: It started with a couple of acquisitions and it was a combination of that and organic growth through that period of time to create that value.
What were the major leanings from the seven years? What was different?
L: Most CEOs need to be conscious of is the statistic concerning CEO longevity — and it's something like eighteen months. So there are two things. You need to survive more than a couple of years so you had better have a plan in terms of what you will do with the business. The second is that even if you have three to five years of success, you then have to reinvent yourself and the company somewhere along the way. Most strategies and most things that you can do with the business only last for that amount of time. There are a host of reasons why CEOs are going to fail early. If you take a look at it then, the complacency can set in and if you don't reinvent yourself, you are going to hit a wall. I was very cognizant of the reasons CEOs fail. When you are private equity-owned, you also know that your job is ultimately to create shareholder value through an exit. All CEOs must create shareholder value but the difference for private equity is that they also want to be able to liquidate and exit the business, which means the business is going to get sold and usually you are going to exit with it. You have to make sure that you can take the company to the next level while at the same time you have to be ready to exit the business.
How did that moment arrive?
L: It's challenging because at Marsulex, after being CEO for seven years, things were starting to hum. The more successful you are, the more likely it is that you can create that value and that exit for the shareholders, so it is always a challenge to see all that disappear, especially when it goes to somebody else.
How did you feel at that moment? You knew it was coming.
L: There are always mixed feelings on that front and the reality is you have done your job and you have done your job well and at the same time it is hard to let go. In our case, it wasn't a liquidation. Most of the employees continued on but the management team didn't. Ironically, you have spent a lot of time and effort creating a management team because you have the option of running the business. But at the same time, if the business is sold, that management team will be dispersed.
How many people were on the management team? What happened to them?
L: There were six divisional people, on the next level down. My direct reports left, with the exception of one.


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Real news. Real funny.
Real news. Real funny.
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[lastfm link_type="artist_info"]The Walkmen[/lastfm] are set to bring fans their brand new album called Heaven; and while it's only been two years since their last album, fans will be pleased to see how much the band has progressed toward a far more mature sound that makes Heaven feel like a huge step forward since 2010's Lisbon. The intensity that was present on Lisbon is definitely still present, but with more dynamic than ever before due to heavy experimentation in the studio, most notably with acoustic guitars. Click more below to check out the official album trailer!
[lastfm link_type="artist_info"]The Walkmen[/lastfm] – Heaven (Fat Possum)
Buy: iTunes | Official Store | Amazon
Follow: Facebook | Twitter | Official Website
1. We Can't Be Beat
2. Love Is Luck
3. Heartbreaker
4. The Witch
5. Southern Heart
6. Line by Line
7. Song for Leigh
8. Nightingales
9. Jerry Jr.'s Tune
10. The Love You Love
11. Heaven
12. No One Ever Sleeps
13. Dreamboat
Click play below to check out the official trailer for Heaven:


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"Pitchford and Gearbox wanted to focus heavily on Duke Nukem Forever, but how would they get the money to hire some of the 3D Realms team and even buy the intellectual property? Sure, they made a lot from Borderlands, but guess where they got the money to fund Borderlands in the first place? Yup, SEGA.
He then elaborated on the accusation, "So Gearbox essentially lied to SEGA, mishandled funds, broke agreements and contractual obligations to work on other projects, didn't want to work on a game they were contractually obligated to work on and gave it to another team, poor organization and direction on ACM, took on too many projects from different companies at once, and other things that we may not even know about. Hell, part of me believes that Gearbox wanted this thing delayed as much as possible so they can get more funding money to embezzle from SEGA."
MWEB Gamezone Twitter | Facebook
Please note that the opinions expressed in this article are those of the author and not MWEB Connect (Pty) Ltd
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WEST CHESTER ľ For the first time on Monday, Chester County Hospital and Health System officially welcomed patients to its newest wing ľ 4 Tower ľ with a heightened level of comfort and care.
The new telemetry unit is the first of the hospitalĺs three-floor addition to open, 16 months after construction on the $45.2 million tower began. It has 24 private rooms, a big step forward as the hospital switches to single-occupancy for its patients.
The new rooms feature a flat-screen TV, push-button window shades, a communication board for nursing care and a convertible couch/bed. Each also has a piece of original artwork donated by Exton nonprofit Healing Art Works.
ôThe rooms are wonderful,ö hospital Chief Nursing Officer Angela Coladonato said. ôThe nursing staff was really involved in designing everything, and they really focused on how the rooms would support a healing environment, from the colors, the light, artwork and everything. It is very welcoming.ö
Patient visitors are now able to come any time of day or night, and have a spacious lounge and waiting room to go to.
A team of clinicians worked with architectural engineers from Philadelphia-based Ballinger in all facets of design, including the improved employee lounges.
ôWeĺve kind of learned through a bunch of different projects how to make the staff happy,ö hospital Vice President of Support Services Lou Guardiani said. ôGiving them a place outside of the unit but approximate to it gives them a chance to recharge a little bit so they can provide the best possible service.ö
The fourth-floor unit has two nursing stations that split patient rooms evenly. The stations have open work spaces, large-screen patient monitoring, an intra-wing tube sending system, medication room and nutrition station.
ôThe staff has a lot more ground to cover, but they have all the tools they need at their fingertips,ö Coladonato said. ôThe staff has a great environment to work in. Theyĺre so excited and proud to have something new and that theyĺve been a part of.ö
One major addition, which is currently going through final testing before implementation in August, is a new Varian TrueBeam linear accelerator that will significantly increase the hospitalĺs cancer care abilities.
ôIt is state-of-the-art, and we will be the first hospital in Chester County to have it,ö hospital Senior Vice President for Strategic Planning and Marketing Paul Huberty said. ôSince we made the announcement, others have been scrambling to get it as well.ö
A unique feature, which sits atop the accelerator vault, is the towerĺs 1,600-square-foot roof-top garden. The vegetation features plants that will reduce heat buildup while providing green views for guests. It is one part of the hospitalĺs sustainability efforts that will earn it multiple Leadership in Energy and Environmental Design, or LEED, credits.
Surveying the completed fourth floor, L.F. Driscoll CEO Jack Donnelly, whose construction firm is responsible for the project, smiled with satisfaction.
ôThis hospital is a tool to make people better, and weĺre proud to do it,ö Donnelly said. ôIt was a long road getting here, but itĺs always a thrill to get to this point. I love it every time we get one of these done, and the people here have been so dedicated to making this happen.ö
The wingĺs third floor is expected to open later this year, while the second-floor maternity section will open in the first half of 2014.
While Fulton Bank financed around $20 million of the projectĺs costs, $25 million came from a fundraising campaign to which businesses, community members and hospital staff donated.
ôWe were very pleased with the generosity we received,ö Hospital President and COO Michael Barber said. ôI think a lot of people came on board because they knew how much this project would help the community.ö
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Nike Blazer Mid-Top Suede Vintage Trainers - Pink/White
From the b-ball courts in the 70s to the concrete jungles of contemporary metropolises, the Nike Blazer trainers have styled generations of trend setters. This season they present a dedicated rework in powerful pink.
The trademark mid-hi silhouette delivers premium comfort, while the textured suede upper makes a bold statement in fuchsia. Secured by a front lace fastening, with a contrast outsole, they're given a classic sporting style with an oversized Swoosh to the side, tab to the tongue, and a contrast heel panel.
Give your urban outfit a slam-dunk with these Nike trainers. Team them with a short skirt and printed tee for a casual look with vintage appeal.
Useful info:
- Blazer mid-top trainers by Nike
- Suede upper
- Contrast outsole
- Contrast Swoosh
- Lettering to back
- Contrast heel panel
- Front lace fastening
- Branded tab to tongue
Ted Baker Cluster Stud Earrings - Pink
- In Stock
1 reviewMaterial: MetalColour: Pink. Metal.
- Delivery
- Next day delivery available
South Double Pocket Pencil Dress
- In Stock
1 review
- Delivery
- Next day delivery available
South Double Pocket Pencil Dress
A sleek and simple pencil dress brought to life with a vibrant pop of colour. The double pocket pencil dress by South will liven up your day-to-night wardrobe.
This understated dress features a sleek design with a figure flattering fit that skims your feminine curves. In colour pop coral or bold blue it adds playful brights to your workwear wardrobe making this dress the perfect pick for days when you have plans after work.
Wear this pencil dress with understated court shoes and a sleek shoulder bag for a bold look that will take you from day-to-dark.
Useful info:
- Pencil dress by South
- Two pockets to front
- Round neckline
- Short sleeved
Also available in petite.Colours: Blue, Coral. Shell: 62% polyester, 33% viscose, 5% elastane. Machine washable.
South Oversized V-Neck T-shirt
The perfect addition to your off-duty wardrobe, this slouchy T-shirt by South will top off every casual outfit!
A slouchy T-shirt is an essential part of any girl's laid back look. In a choice of colours this V-neck tee will go with your printed trousers and trusty denims alike. The short-sleeved design will keep you cool this summer and is perfect for layering up when the warm weather wanes!
Wear this T-shirt with your favourite South skinny jeans and white Converse pumps for effortless style this weekend.
Useful info:
- T-shirt by South
- Short sleeved design
- V-neckline
- Oversized fit
Nike Dual Fusion Run 3 TrainersColour: Pink/White. Upper: Leather/other materials. Lining and sock: Textile. Sole: Other materials.


text:
I was delighted when last year HMRC awarded me a rebate for overpaying tax worth £783. I was shocked to receive an aggressive letter saying I had made an error and needed to repay the cash plus £20 interest. The letter said interest would continue to increase for as long as the money remained unpaid....read
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ASK TONY: How can I make sure my 90-year-old mum's tax affairs are in order?
I have power of attorney for my mum, who is 90 and in care and want to make sure her tax affairs are in order? Our experts answer.
My tax refund is not for the full amount that was promised, how can I get the rest of my money?
I sent off my details to claim for a tax refund and was told I was due £468, but I only received £328, where has the rest gone?
TONY HETHERINGTON: You can complain to the crook, bank tells victim of Google Wallet van fraud
I lost £4,000 when I tried to buy a Volkswagen van. My bank, Lloyds, contacted Barclays, where the fraudster had his account, buut Barclays says it can do nothing.
We moved out of our family home a year ago. Will we have to pay capital gains tax if we sell now even though we lived there for 20 years?
We moved out of our home a year ago into a smaller house. Will we have to pay full capital gains tax if we sell now even though we had lived there for 20 years?
ASK TONY: Is the taxman short-changing my daughter on tax relief for her pension contributions?
My daughter is a 40p taxpayer and in the current 2013/14 tax year she will have paid £8,838.48 net of tax relief into her pension. She advised HMRC, and her personal tax allowance was increased by £4,459, which they say will ensure she gets the correct tax relief on the pension contributions she is making. I thought her tax allowance increase would be more. Is HMRC right?...read
TONY HETHERINGTON: My special needs daughter faces debt collectors over mystery Santander overdraft debt
I became aware that my daughter had an account with Santander when a debit card arrived in her name and a few months later we started receiving telephone calls.
HMRC wants me to pay tax in advance - but income from my business has plummeted and now I'm worried I have overpaid
I've been making 'payment on account' to clear a tax bill but my income has dropped and now I think I will be owed money by HMRC.
I haven't been earning anything on money I have overseas, so do I still have to tell the taxman about it?
I have read about HMRC cracking down on overseas assets and those who don't disclose them, but surely if there is no tax to pay, there is nothing to disclose?
TONY HETHERINGTON: The innocent pensioners being hounded by taxman
My friend was told in 2012 that she had underpaid income tax since 2008. She has been hounded to set up a monthly standing order to pay this tax.
What happens to money held in an Isa when the owner dies - can their estate still benefit from a fixed-term interest rate?
Have you ever looked into the treatment of cash or non-cash ISAs when a personal investor dies? Do tax rules on ISAs require a bank or building society to close the account or to merely stop applying interest on a gross of tax basis?...read
I know I have to live for seven years before money I give away escapes IHT - but what about cash I withdraw and spend myself?
I frequently withdraw amounts of more than the £250 gift figure so are these all going to be deemed as potentially 'gifts' by HMRC and retrospectively taxed at 40 per cent?
I earn just over £50k but have never done self-assessment before, am I about to get stung by the child benefit tax trap?
I have to complete a self-assessment tax return for the first time even though I only have one employer and all my tax is PAYE. Do I need an accountant?
I am living in South Africa but I want to open a share dealing account in UK. Can I do this without a UK address?
I have been advised that I must be a UK resident to open a share account, but i am currently living in South Africa - is there any way around this?
My civil partnership has ended and my ex-partner owes my £40,000 - how can I get my money back?
I have recently divorced my civil partner, with him owing me more than £40,000 and wondered what the best way is to go ahead and sue/claim that back.
TONY HETHERINGTON: 'Legal firm' Hulsmann & Miller steals award from furious top lawyer
I received a cold call from law firm Hulsmann & Miller, which said they could reclaim my original investment if I would send a refundable deposit of £1,500. Is it a scam?
TONY HETHERINGTON: Green Planet Investment promoted by ex-football star Lee Sharpe closed down after investors lose £14m
Green Planet Investment has been closed down by the High Court as a scam several months after I warned against it. It was promoted by football star Lee Sharpe.
ASK TONY: Will I be taxed twice on my UK savings if I move to Spain - or could I lose 25% in a Greek-style savings grab?
I am considering moving to Spain, but they passed a new tax law that leaves me confused. Will I be taxed twice, once on my interest here, then also in Spain?
Will we pay capital gains tax if we sell our first home after building a second in our back garden?
We have been given permission to build a second house on our land and we intend to move into it. Will we pay capital gains tax if we sell our current home?
How to give more to your family and less to the taxman: Ten tips for minimising inheritance tax
More and more families are being hit by inheritance tax but here is some expert advice from Brewin Dolphin to help you avoid the legal pitfalls.
ASK TONY: Why has my £564 tax rebate been lost for two years?
HM Revenue & Customs sent the payment to my bank, but this was returned because my roll number was missing, but HMRC insists the money was never returned.
ANSWERS FROM THE Experts
- TONY HETHERINGTON: 'Mint' left our coin gift short after it sold us LIV and ERP but not the OOL
- 'The taxman gave me a £783 rebate: now HMRC is demanding that I pay it back PLUS interest'
- ASK TONY: 'I've put £24,000 into a life insurance policy since 1999 but I've just been told it is worth around £20,000'
- I have unopened tubes of 2p and 1p coins from 1971, could they be worth hundreds of pounds?
- We are mortgage-free but are considering releasing equity to help our son get on the housing ladder - is it a good idea?
- Tesco's share price has fallen by more than a third in the past year, is it time to sell up?
- I want to buy my lottery ticket online this week because I'm on holiday in Spain. Will it be valid if I win?
- Help us to help you: How you can give your permission for Tony Hazell and Money Mail to fight your corner
- My elderly grandmother may be caught by inheritance tax - can she use the nil rate bands of both her late husbands?
- ASK TONY: Barclays paid me £550 pension by mistake. Now they want it back!
'Keep on top of your money with our brilliant free round-up'


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|Swiss Holiday Park Dorfstrasse, Morschach (7 miles from Kinzeralp)
Score from 103 reviews: Very good 8.3 Latest booking: 7 hours agoSituated in the village Morschach above Lake Lucerne, Swiss Holiday Park is surrounded by mountains and lush meadows. It provides 2 pools and various opportunities for relaxation in the leisure park. More…
$197 Average price per night
|Hotel Posthaus Urigen Urigen, Unterschächen (3.4 miles from Kinzeralp)
Score from 41 reviews: Good 7.3 Latest Booking: August 25Located on the Klausen mountain pass route which is part of the Alpenroute National Cycling Route, Unterschächen's Hotel Posthaus Urigen offers free private parking and free Wi-Fi in public areas. More…
$38 Average price per night
|Ferienstudio in Unterschächen Lunzihofstatt 13, Unterschächen (3.7 miles from Kinzeralp)
Score from 33 reviews: Excellent 8.8 Latest Booking: August 26Positioned in the Schächental Valley at the Klausen Pass, the Ferienstudio in Unterschächen offers views of the unspoilt nature and nearby mountains. Free WiFi is available. More…
$44 Average price per night
|Ferienwohnung in Unterschächen Lunzihofstatt 13, Unterschächen (3.7 miles from Kinzeralp)
Score from 11 reviews: Very good 8.5 Latest Booking: August 23Set at an altitude of 1100 metres above sea level on the Klausen Mountain Pass, Ferienwohnung in Unterschächen offers comfortable wood-panelled interiors. Free Wi-Fi is provided. More…
$98 Average price per night
|Berggasthaus Eggberge Flüelerstrasse 132, Altdorf (4.3 miles from Kinzeralp)
Score from 40 reviews: Good 7.2 Latest booking: 6 hours agoWith panoramic views of the surrounding mountains and Lake Lucerne, Berggasthaus Eggberge is right next to the Flüelen-Eggbergbahn Cable Car. More…
$38 Average price per night
|Hotel Alpenblick Stalden 1, Muotathal (4.7 miles from Kinzeralp)
Score from 25 reviews: Good 7.1 Latest Booking: August 22This traditional hotel is quietly located in the Muotha Valley, ideal for canoeing, hiking and motorcycling tours. More…
$88 Average price per night
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Christie is toast. The layers of political and exec staff on the email and the contempt for "the little Serbian" indicts more than Kelly—
Joan Walsh (@joanwalsh) January 08, 2014
Salon.com editor-at-large Joan Walsh helped provide a much clearer picture of what 2016 will look like:
Congrats President Christie! MT @joanwalsh: Christie is toast.—
Lachlan Markay (@lachlan) January 08, 2014
Who knows what will come of this, but the "selective accountability" is a thing to behold.
@joanwalsh NOW we hold chief executives to account, eh?—
Vince Brown (@PokerofDogs) January 08, 2014
.@joanwalsh You've excused every broken law by Obama AND the dead Americans courtesy of Hillary,Obama & Holder but THIS is urgent?! #idiot—
RJ (@rjames1928) January 08, 2014
@lachlan @EWErickson Then I am sure @joanwalsh is just as outraged about the IRS scandal and the claim of ignorance by Obama. Right Joan?—
Rick Cannon (@RCannon74) January 08, 2014
Maybe Gov. Christie could borrow some strategy from his good pal:
@joanwalsh maybe he can say he just learned about it on TV…seems to work for the President—
Brian Norwood (@NorwoodBrian) January 08, 2014
Good idea.
Would Walsh say that Benghazi means Hillary's chances in 2016 are "toast"?
.@joanwalsh You're right..Nothing compared to to "the little ambassador" #ReadyForHillary—
S.M (@redsteeze) January 08, 2014
'Absolutely surreal': Rep. Elijah Cummings statement about 'Bridgegate' bereft of self-awareness
A 'Bridgegate' too far: Plouffe, MSM stoke outrage over Chris Christie, give Dems a free pass
'Ouch': Former Obama staffer issued reminder after mocking Chris Christie 'Bridgegate' response
'I am outraged and deeply saddened': Chris Christie issues Bridgegate statement; Lapdogs pounce


text:
So according to the dude in the Stop The Violence t-shirt on the G Train (in NYC) early Monday morning, Hip-Hop is dead…again. "It drowned ...Read More
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Cassidy Apply Pressure 2 Beats: L Lyrics: XL Originality: L Though Cassidy has released a handful of mixtapes since dropping his disappointing 2007 album, B.A.R.S. The Barry Adrian Reese ...Read More
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It's almost common knowledge that Cassidy is one of the meanest lyricists and punchline predators in the game bar none. From having my man Freeway ...Read More
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Statik Selektah Stick 2 the Script (SHOWOFF RECORDS/BRICK) Statik Selektah likes to get right to the point. That was clear from the Massachusetts DJ/producer's star-studded '07 debut, Spell ...Read More
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On Saturday (March 1), a blog post on 50 Cent's website, Thisis50.com, claimed that Brooklyn MC Papoose and Fat Joe got into a physical altercation ...Read More
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- Fans Vote On Which Nicki Minaj Is Hotter


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Paris, France
218 rue de Rivoli, 1st arr. - Louvre, 75001 Paris – Show map – Subway access
Excellent location – rated 9.6/10! (score from 293 reviews)
Rated by guests after their stay at Brighton.
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No booking fees • Save money! Best price guarantee — enter dates to see these prices!
2551 properties in Paris
Including hotels, apartments, villas and more.
293 verified reviews
We verify all reviews from guests who have stayed at Brighton. Find out more.
We speak your language
Brighton's staff speak: Portuguese, Italian, French, Spanish, English, Greek, Arabic
When you book with us your details are protected by a secure connection.
Food & Drink
Bar, Breakfast in the Room
Free! WiFi is available in all areas and is free of charge.
No parking available.
Room Service, Airport Shuttle, Airport Shuttle (surcharge), 24-Hour Front Desk, Baggage Storage, Laundry, Fax/Photocopying
Newspapers, Safe, Non-smoking Rooms, Facilities for Disabled Guests, Elevator, Heating, All Spaces Non-Smoking (public and private), Air Conditioning
Portuguese, Italian, French, Spanish, English, Greek, Arabic
Until 12:00 PM
Cancellation and prepayment policies vary according to room type. Please enter the dates of your stay and check what conditions apply to your preferred room.
Children and Extra Beds
All children are welcome.
Free! One child under 2 years stays free of charge in a crib.
One child under 12 years is charged EUR 30 per person per night when using existing beds.
One older child or adult is charged EUR 70 per person per night in an extra bed.
The maximum number of extra beds/cribs in a room is 1.
Any type of extra bed or crib is upon request and needs to be confirmed by management.
Additional fees are not calculated automatically in the total cost and will have to be paid for separately during your stay.
Pets are allowed. Charges may apply.
Cards accepted at this property
Brighton accepts these cards and reserves the right to pre-authorize your card prior to arrival.
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Based on 293 reviews
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Hôtel California Champs ElyséesLatest booking: 43 minutes ago There are 15 people looking at this hotel.
In the prestigious 1st district of Paris, between Place de la Concorde and the Louvre Museum, the Melia Vendome has stylish rooms with private bathrooms just over a quarter mile from the Champs...
Score from 165 reviews Very good
In central Paris, Citadines Suites Louvre is across from the Comédie-Française, just over a quarter mile from the Louvre Museum and Jardin des Tuileries.
Score from 333 reviews Wonderful
Hôtel du Temps is in Paris' 9th arrondissement (district), just 325 ft from Poissonière Metro Station and just over half a mile from Galeries Lafayette.
Score from 400 reviews Very good
This Art Nouveau style hotel is located in the heart of Paris in the fashion, shopping and museum district. It is located across from Tuileries Gardens and the Louvre Museum.
Score from 220 reviews Very good
Excellent location, excellent staf, good breakfast! They gave us a room quite big for Paris with a fantastic view of the city!
Excellent location, excellent staf, they gave us a room quite big for Paris with a fantastic view of the city!
Great location Lovely staff Free WiFi
A bit confusing to find room Did not replace tea/coffee in room
Spectacular views Helpful, friendly staff Spacious, comfortable room Great central location
Lack of smoking area
Staff friendly and even try to speak english (even though we didnt mind speak french) but totally unhelpfull
1. room delivery is offered however not available when you order it (they refused to deliver our dinner) 2. they run out of paracetamol and could not give me any, so i had to leave my husband in the room alone (he did not feel good at all and i explained it to them) and go search for medicine myself. their answer was - we dont have any, someone has to go buy it; however they did not agree to send anyone. on top of that they suggested i go to the "nearest" open pharmacy at Opera, even though pharmacy around the corner was actually open. the one at the Opera was as the matter of fact closed.....
Location Size of room
Bar area could be better and longer hours at night
Friendly staff
Courtyard view from our room looked more like a service area
Very helpful staff
A few marks on the walls of bedroom
Overall, the Brighton was a wonderful hotel, with the exception of the construction situation.
We were not advised that construction was being done over our room & there was a lot of hammering & noise in the mornings.
Excellent location
Thought was over priced for quality of hotel
location, cleanliness and comfort of hotel, friendly and helpful staff. Oh and the views from the Executive rooms...to die for:)
breakfast not included, scaffolding in front of our window with view of Eiffel Tower.
Nice, helpful staff. Comfortable bed, soft pillow.
No lift, limited wifi in basement. Very small room.
The location is excellent. We enjoyed a room with a view of the Tuilleries Gardens and Eiffel Tower, which was a wonderful feature of this hotel. It's proximity to central Paris and easy access to St Germain and Latin Quarter is the primary reason we chose this hotel. The rooms were a little tired but the location and attentive staff more than made up for this small issue.
All good.
the location of the hotel was good we took the city view room which had the view of the park and some monuments in Paris.
The rooms were not that comfortable, tv channels were only in French. Bathrooms did not feel clean enough.
The Brighton is in a perfect location for visiting Paris. Right in the middle of everything and the staff is wonderful. Our room was large by Paris standards, though I noticed that not all of them are. We loved our stay.
There is nothing negative to say.
Back rooms no view
All was great! Staff fluent in multiple languages, very helpful. I left my prescription sunglasses in a rental car in Versailles and the front desk staff at the hotel called the car company and are having them messengered to the hotel for me. I had a room with a garden view and went to bed and woke up seeing the Eiffel Tower and other landmarks just outside my window.
No complaints.
Large bathroom with heated towel bars.
Electrical outlets not available in bathroom, beside beds did not work. Inconvenient layout, no large mirror, no where to plug anything in.
excellent location, amazing views. Reception staff very pleasant and helpful. Speedy check in and check out. Nice area. Room lovely. Very clean.
Only very minor but could do with more tea/ coffee facilities. Ok if you don't need a lot of milk and happy with green tea, Breakfast reasonably expensive. But as I say, these are very minor when comparing to all the pluses!
I loved the view from our hotel; however, I paid for a room with a view just to have a scaffolding outside of our balcony block the view of the Eiffel Tower. The room was magnificent with three balconies and beautiful furniture. The bathroom was bigger than most hotel rooms itself! Beautifully located near The Tuilleries and Louvre and Musee D'Orsay.
The room had a strange smell but I think it is from the old pipes as it is an older hotel. The scaffolding blocking our view was a pain too but we managed to get pictures from the far balcony.
Staff very friendly and helpful Location excellent Excellent help organising excursions / tours
The lack of bar / reception area Small elevators Narrow steps / stairs - award for my mother with suit cases
Location, attentiveness o staff
No iron/board in room (had to ask), relatively small room, shower facility in bathroom poor, purely a bath tap attachment/extension with poor method of attaching to rail above (expect more when paying good money).
The location and decor were excellent and we had a view of the Eiffel Tower from our window. The room was spacious.
It was a bit expensive but well worth it.
Staff was wonderful.
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Hey, I'm sorry if this reply has been a little late, I haven't gotten time to post on Tumblr or Facebook.
Plus models are generally 5'7" to 6' in height, and wear a size 10/12 and up. But saying this I am not a model or in the modelling industry so I don't know for certain other than reading articles and information on the industry. It depends on what type of model you want to be. To me I see it as an art form, I don't look at the size or shape not in particular ( the reason I have Plus Size Models blog is the open societies eyes that everyone is beautiful and women/men of different shapes or sizes can ALSO model and create art). I think if you are comfortable with yourself even if you don't meet the criteria, go for it. The internet is the key to getting yourself out there worldwide when it comes to modelling in my opinion, you don't need to be recognised in a magazine anymore you know? Obviously being published in a magazine is the goal, but I think the internet is important too.
But anyway, go for it, why not. Be yourself and have fun. :)<3


text:
Rifftrax Animated Intro
It's time for Rifftrax...4.42 / 5.00 25,138 Views
The Artist
The Artist4.39 / 5.00 12,810 Views
NWAR: Watered Down
Detective Nwar and his partner Blanche might as well investigate a water crisis.4.28 / 5.00 2,599 Views
This is the story of Katan, a little aztec critter who works as a stonemason on huge pyramid projects. He's an eager, talented employee who beleives strongly in what the project stands for, putting in endless overtime to get things done.
When a less committed, self-serving employee hatches a plan to steal the soul jewel of the temple, the mysterious crystal skull, Katan finds himself under blame and attack from the very monument he helped to create.
I started making this toon November 2008 and finally exported it in January 2010.
Various delays, injuries, graduations and jobs made it hard to focus on for a lot of the time- but it is fairly safe to say that it took a year to make... Which also accounts for the style changes and quality progression evident throughout the four mins of play time ;)
Thanks for watching- and thanks again to Newgrounds for letting me upload such large movie files
Very smooth animation. It is a little upsetting that it doesn't have as many views as it should.
Everything just fits together so... Perfectly.
My only complaint is that there's not more :p
I can't say anything. I found it wonderful and I liked the fact that it was... Well, I'm just speechless. I loved it and it fully worth his 10-... Five stars. (Newgrounds, why did you change?)
5/5, 5/5, favorited, author favorited.
You know......
You know this might actually make a good story sequence for a game.
This is simply awsome keep up the good work =D


text:
Stalk the WSC crew at Southby for fun and profit
South By Southwest Interactive 2007 is only a couple of weeks away now, and I couldn't be more excited. At the same time, the release of Web Standards Creativity — the new book by nine of your favorite web designers (and me, too) — is imminent. Since nine of the 10 of us will be in Austin early next month, we figured some shameless self promotion was in order.More
PHP-Style Use of Django's New Form Engine
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Cross Processing in Photoshop
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purevolume.com at SXSW 2007
If I had to guess, I'd say PV will throw some of the hottest events at Southby. No speculation is required, though, on the matter of which event will have hottest web and badge design — Simmy, Brad, Tyson, and company have that one in the bag. Teh hotness.Visit
Mac Rumors: Mac OS X Leopard 10.5 at End of March?
If this is accurate, it means Leopard will either be disappointing (it certainly wasn't ready for primetime last time we saw it publicly, and there hasn't been any evidence to suggest it is now), or freaking amazing (in the case that Apple has been keeping major tricks up it's selve for launch).Visit
Garrett Dimon: Ambient Close Button
I've also always thought the unsaved-document close button was a pretty awesome little UI touch.Visit
The B-List: Python framework design
James Bennett has another great piece on frameworks, this time discussing the difference between the full-stack (i.e. Django) approach and the glue (i.e. TurboGears, Pylons) approach to design. The key take away point (with apologies to Malcom Gladwell) is that there is no perfect framework, only perfect frameworks.Visit
Vitalist: Online GTD Software
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Mac Chick of the Month
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BoomerGirl.com mentioned on CBS News
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'Lost' ratings hit all-time low
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The B-List: The JavaScript knowledge gap
James Bennett talks about how few people really know JavaScript and why. For me, it's a combination of the class-less OOP and ugly syntax coupled with the fact that the benefits of learning JavaScript simply aren't as great as they are if I invest my time in a server-side language like Python or a richer development environment like Flash/ActionScript. Very good article — worth a read.Visit
Frédéric de Villamil.com
MILK, the desk
Quite possibly the sexiest piece of office furniture ever crafted.Visit
City pages — not just for photos anymore.
In a big murder/arson case in Lawrence, a last-minute witness is found in — get this — the comments section of our site. The Journal-World was subpoenaed for information on the commenter, and a mistrial was forced.Visit
Tax Saving Tips for the Graphic Artist
Great tips here.Visit
Free Photoshop Brushes by Brusheezy
Tons of brushes, fo' free.Visit
Barack Obama site redesign
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MyFox Milwaukee: Nintendo Hand-Held Child Molester Target
Unbelievable. TV news can be so absurdly sensational, man. This station did an entire piece on how the Nintendo DS could be used by "child molesters" to communicate with your kids. They don't mention a single instance of this actually happening, but they do have the police on hand to discuss the matter, anyway. They do blame Nintendo, because they don't adequately warn parents about this risk, even though the DS's manual instructs parents to talk to their kids about the possibility of strangers starting "Pictochat" conversations with them. It's incredible this can even make it on air. How is this news? Is this really an "investigative report?" And even if it qualifies, was there any good reason to do said report? Ridiculous. Honestly, I hope someone hangs bird-flipping moonites on these guy's building. Via Nathan.Visit
Top 10 Ruby on Rails performance tips
Only a few of these good tips are actually Ruby/Rails-specific. Most of them can apply to development using any MVC-style web application framework. Some might be obvious, but still — good stuff.Visit
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Rands at SXSW: The Design Aesthetic of the Indie Developer
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Yes, that's cold cream of mushroom on a cheeto.
Yes, that's cold cream of mushroom on a cheeto.
Always time for some Wii bowling.
Always time for some Wii bowling.
In bed
In bed
More Natasha
More Natasha
Christie in my chair


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Thu Jul 24, 2014 (08:59AM)
⇐ Return Journey: Train# 17064
17063/Ajanta Express
OLD Time-Table. New TT will soon be available.
May 09 2014 (9:42PM)
Inaugural Run
Sat Apr 01, 1967
✕ NO Pantry Car
✓ Catering Avbl
No food between AWB & BMO...after that, only Tea/Coffee &...
Read more...
RSA - Rake Sharing
Rake/Coach Composition
MLY WDM-3A (Twins)
Regular/Adult (12 and above)
Child (5 - 11)
Tatkal Surcharge is only applicable for bookings in the Tatkal Quota.
Tatkal Surcharge includes 3.7% Service Tax.
Sr. Citizen Concessions do not apply for Tatkal quota bookings.
Sr. Citizen Female (58 and above)
Sr. Citizen Male (60 and above)