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This album rates 4 stars if you do not already own Metamorphosis and Hilary Duff, Duff's two previous albums. It rates 3 if you don't own those. This collection adds to the songs from those albums the charming remake of "Our Lips Are Sealed" by Hilary and her sister Haylie and 3 new tracks recorded with the assistance of the Dead Executives aka Joel and Benji Madden of Good Charlotte.
What's New
After the bubblegum pop of Metamorphosis and then the rock-edged Hilary Duff, it was intriguing to see in which direction teen star Hilary Duff would head. The 3 new tracks here, "Wake Up," "Beat Of My Heart," and "Break My Heart" seem to be marking time instead of finding a new direction. "Wake Up" is irresistible bubblegum in the mode of Duff's first album. "Beat Of My Heart" and "Break My Heart" are disappointing cookie cutter copies of Avril Lavigne's "Sk8erboi." They are easy to listen but break no new ground.
Strong Compilation
The remaining bulk of this collection is strong. Hilary Duff is one of the most appealing of our current bumper crop of young female pop singers. Her voice is relatively thin meaning she is incapable of belting a song in the fashion of Avril Lavigne's, but she projects charm and a sense of self that wins over the listener. Hilary Duff's music does not seek to be adult before her time. Instead, it is unmistakably the music of a teenager finding her way in the world. Listen to songs like "Come Clean," "So Yesterday," and "Mr. James Dean" and enjoy the pure pop shine.
Where Next?
It seems likely that as long as the relationship between Hilary Duff and Good Charlotte's Joel Madden holds together, he is likely to have a significant impact on the direction of her music. The 3 new songs here give no specific direction. Hilary Duff has not suddenly become a punk pop singer. Her most recent music may be rocking a bit harder than where she began, but it is still a far cry from the intensity of even the most mainstream punk pop bands. The teenage years are waning for Duff, and we will soon see how she moves into adulthood.
Note: The "signature" edition of this album includes additional remixes of past material.


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The Arc de Triomphe today stands at the centre of a the worlds largest traffic roundabout at the..Louvre Information
The Musée du Louvre is a landmark building in the centre of Paris, it is located at one end of of..Notre Dame Information
Translated from the French and meaning 'Our Lady of Paris', Notre Dame de Paris is a classic..Champs Elysees Information
The Avenue des Champs-Élysées is one of the most prestigious avenues in all of Paris and is one..Luxembourg Gardens Information
The Luxembourg Gardens (Jardin du Luxembourg) are in the grounds of the Luxembourg Palace, which..Catacombs of Paris Information
The Catacombs of Paris are a series of tunnels and disused quarries used to store the bones of the..Centre Pompidou Information
Located in near the centre of Paris the Centre Pompidou is a well known attraction in Paris. It is..See all locations in Paris
The tallest building in Paris is also one of the worlds most recognised monuments and has become a symbol of all things French. The Eiffel Tower is also the most visited monument in the world and it has been estimated that over 200 million people have visited the tower since it's opening.
The Eiffel tower was designed by Gustave Eiffel for the 1888 World Fair in Barcelona, however it was refused entry to that event by the authorities at that time. Later the design was submitted to the Parisians for consideration and it was accepted, and the tower was completed in 1889 and opened on 6 May that same year. It was the tallest structure in the world until 1930 and is still the fifth tallest structure in Paris. The tower is quite remarkable, not just because of it's indisputable beauty, but also because of the economy of design employed. The entire structure only weighs 10,000 tonnes, while a cylinder of air the same height as the tower and of an equal diameter at the base would weight only slightly more.
Visitors to the Eiffel Tower can purchase tickets at the base to ascend the tower. There are three levels accessible to visitors, the first two can be reached by either stairs of elevators while the third and highest level is accessible only by lift.
Home | Contact Us
2003 - 2013 PleaseTakeMeTo. All rights reserved. Hosted by Tourism Media.No part may be reproduced without the written permission of the copyright owner

subset: commoncrawl


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There For Tomorrow Self-Titled EP out now!Bands — By HopelessMelissa on August 5, 2008
Hopeless recording artists THERE FOR TOMORROW have been busy keeping Vans Warped Tour audiences in ancipation for their self-titled EP which is released nationwide today and garnering critical acclaim. All Music Guide contends: "A perfect mix of neo-rock, indie-pop and punk, the group's eponymous EP demands attention." Aquarian Weekly opines: "the boys of There For Tomorrow have become self-groomed into a unified musical powerhouse that is sure to be one of those bands to watch out for in the coming months." Alternative Press singles out the track "Pages" in particular and calls it "a killer song." Produced by multi-time Gold record producer James Paul Wisner (Paramore, Underoath, Dashboard Confessional) at the helm, There For Tomorrow captures the exuberance and excitement on which the band has built their live shows.
With Warped Tour behind them, they are about to embark on their next run with Ivoryline and Take the Crown, with some dates supporting Anberlin and Straylight Run (with Scary Kids Scaring Kids on select dates) later in the Fall.


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Does anyone else think this is eerily similar to Brian Brohm's situation?
Brohm wins orange bowl. Luck wins orange bowl
Brohm was no.1 pick candidate. Luck is no. 1 candidate.
Brohm goes back to school. Luck goes back to school.
Brohm's coach Bobby Petrino leaves for NFL. Luck's coach Harbaugh just signed with 49ers.
Brohm goes on to have a so-so final year and he is where he is now. Will that happen to Luck?


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A rare condition may have taken away his ability to play competitive baseball, but the sport has never left Sam Bridgman's heart.
The University of Portland graduate has baseball stitches tattooed around his wrist, along with the words "Seek a Miracle. Impossible is nothing."
It's a daily reminder to keep moving forward.
Bridgman, now a Portland resident, was diagnosed with Friedrich's Ataxia as a teenager.
The rare condition, which affects his muscle coordination from his toes to his fingertips, means he uses a wheelchair most of the time.
Video of his college graduation went viral last year when Bridgman, with the help of his strength and conditioning coaches, walked across the stage to pick up his diploma.
Last week, Bridgman's Seattle-area high school selected him to throw out the first pitch at a Seattle Mariners game.
"Being on the field and throwing the first pitch really gave me that, really allowed me to keep moving forward and know that baseball is always going to be there for me," he said.
Bridgman said the moment was very special because he shared it with family and friends sitting in the ballpark.
"I kind looked up at them and took a deep breath and just tried not to throw it like really high or something," he said.
Bridgman has participated in events to raise awareness of Friedrich's Ataxia and to raise money for research into the disease.
He is preparing for a Ride Ataxia event in Seattle this summer and said plans are underway for a fundraiser in Portland.
Copyright 2014 KPTV-KPDX Broadcasting Corporation. All rights reserved.


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Reviews for Cats in the Cradle LyricsPerformed by Cat Stevens
By Pages: 1 2 3 4 5 Current page No. 5/ 5
Add Your New Review About The Song
I just checked too! | Reviewer: Anonymous | 3/25/06
I was under the misguided impression that this song was by Cat Stevens but it is not! It is only found on Harry Chapin's album.
Which cat in which cradle? | Reviewer: twobluemoons | 2/1/06
I just tripped into this site by accident looking for something about Harry Chapin, and am puzzled by what I read, as I have never heard a version of Cats in the Cradle by Cat Stevens. I've searched everywhere on the Net, but the closest I could find was an album called "Cat's Cradle" -- but it did not have the song "Cats in the Cradle" on it. I've never heard any version but Harry's, and that's the rendition that was famous, I think. If you believe that Cat Stevens DID record that song, which album of his is it on?
this is for u | Reviewer: Lindsey | 1/8/06
ok this is for all the people who say that cat stevens never sang it and didnt really write it.....
nobody is deniying that Chapin wrote it everybody knows he wrote it, so full credit to Chapin it is a great song, but give Cat stevens the credit for making the song what it is now. It has such a great meaning and cat stevens made it a really well known song.
What does it matter? | Reviewer: Dayzed | 12/22/05
Chapin wrote it, Stevens made it. Doesn't matter anyway, the song comes from the heart... a son and father who are worlds apart... and the cycle goes on and on. I know no one cares, I sent the song to my father when I was little, and when you become your father (but it's too late to fix it)... it seems totally beyond your control. Very sad... don't point until you've felt it.
deeper meaning | Reviewer: Anonymous | 5/28/05
This song obviously has a deeper meaning to en entire generation of men and boys so does it really matter who wrote it? Cat Stevens sang it to it's full potential and and revamp would only bastardise it.
Ok so send the royalties elsewhere he probably wouldn't want to get the money for it since he changed religions anyway.
The myth of Cats in the cradle | Reviewer: Anonymous | 5/1/05
Cat Stevens did not write this song. If he covered it, I have not heard it. If the Harry Chapin foundation received royalties for every time this mistake was made, the world would be fed overnight.
Add Your New Review About The Song
By Pages: 1 2 3 4 5 Current page No. 5/ 5


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Serial Killers Who Surrender
Sometimes people don't confess until caught for something else; they might even be labeled as serial killers, but the authorities have no idea how many they actually killed, and for some reason, they decide to open up.
Robert Charles Browne made headlines in July 2006 when he claimed he'd murdered 49 people, becoming America's most prolific known serial killer. But when he beat by one the record set by "Green River Killer" Gary Ridgway (who also offered more than authorities realized), his confession triggered skepticism.
In 1995, Browne had pleaded guilty to the 1991 murder in Colorado of 13-year-old Heather Dawn Church. Five years later, he sent cryptic notes to Texas prosecutors that suggested more victims: "The score is you one, the other team, 48." Eventually he admitted he'd been killing since 1970, in nine different states. Yet he provided specific information in less than half of the cases.
It defies reason to confess to something you did not do, especially murder, but some ambitions override reason: notoriety, for example, gamesmanship, and even masturbatory self-aggrandizing.
H. H. Holmes was convicted in Philadelphia in 1896 for a fatal insurance fraud. He insisted he was innocent but for $10,000 proclaimed himself the world's most notorious killer, claming 100 victims before reducing that number to 27. "The newspaper wanted a sensation," he whined, and before stepping into the noose, he admitted to only two. The truth was probably much worse.
After the police arrested Glen Rogers in 1995, wanted in connection with five murders, he took credit for 70, including Nicole Brown Simpson and Ronald Goldman. Then he said he was only joking. He was convicted in two.
The most infamous confessor was Henry Lee Lucas, arrested in 1983. He estimated he'd killed 100 people, but eventually raised that number to over 350 in 27 different states. Lawmen came to Texas to close their open cases, providing Lucas with outings and meals, but suddenly he recanted. Then he insisted he'd been forced to recant, confusing everyone. "I set out to break and corrupt any law enforcement officer I could get," Lucas said. "I think I did a pretty good job." When he died in 2001, the truth went with him.
Since so many serial killers are also psychopaths, lying is often a way of life with them. Some have also developed a need to outdo others, so they can be the "world's worst serial killer," or so they can strut safely around their prison. Some enjoy putting on the media.
It's not easy to know when to trust someone who has already exploited trust as a route to torture, rape and murder. Psychopathic killers view their victims as objects, useful only as pawns in their game, and they thus have this advantage: they feel no remorse. When they choose to communicate, they have their own agendas, formed in self-interest and calculation. What investigators might accept as a "confession," they may view as bait.
Even as they confess, they might conceal murders. Typically, their early efforts were botched and they might not want anyone to know abut their bungling. So even their voluntary confessions might be only part of the story.
So far we've addressed only male serial killers. What about the females?
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GuitarJamz.com Review: Best Online Guitar Lessons?
Remember when you first started out on guitar? You probably expected to jump right into rock or the blues…or at least some chords. It's disappointing to think that by the end of the day you're gonna be able to rock out "Johnny B. Goode", but instead find yourself picking away at "Row, Row Your Boat".
I've only had about two years' worth of instruction with a teacher. Five years later, after playing pretty much the same stuff and not advancing at all, I decided to get serious about the instrument. Fast forward two years: I'm a lot better, but still only considered an "intermediate" guitarist.
That's when I discovered GuitarJamz.com.
Featuring Marty Schwartz, an amazing guitarist who's provided hundreds of free instructional videos online for technique, soloing, and especially for teaching beginner guitarists fun, easy songs. He created GuitarJamz.com and his teaching philosophy is a little different than a lot of others out there…
If you're a beginner/intermediate guitarist like I am, you probably have no idea where to go with your lessons. You don't know where to start or how to move forward. With GuitarJamz, you don't start by learning how to play "Mary Had a Little Lamb". After teaching you a few technique basics and a little bit of terminology, you jump right into learning a few basic chords. From there, you're taught some rhythm guitar as well as cool progressions inspired by the likes of One Republic, Third Eye Blind, Guns N Roses and more.
Every lesson is very detailed and laid-back. Marty isn't just a great teacher. He's fun, too. He remembers and understands what it's like to first learn an instrument, and he utilizes that understanding to make the process as easy as possible. Marty is a hilarious guy and that personality really shines through with every lesson. Hardly ever does it feel like work and you will really notice the progress you're making because it will happen so fast.
Marty's videos are split up into six categories from absolute beginner to the blues, intermediate and advanced lessons, and even music theory (yes, music theory; I know what you're thinking, but believe it or not, those lessons are actually fun, too!) Each category is organized with lessons that follow each other which will save you a lot of time that may otherwise be wasted searching for videos on YouTube or following random ones that you stumble upon while doing so.
I've been using this site for over two months now and I've already progressed more in that time period than I did in two years of studying books and taking random lessons online. While I'm still trying to get the hang of theory, I find that Marty implements a little bit of it into most lessons regardless of the subject, making it even easier to learn. Because of that, I've never been more confident in my understanding and ability to play the guitar.
Granted, I'm still considered an intermediate guitarist (and it will probably be quite a while until I reach advanced status), but I'm not in that state anymore where I feel like nothing I do is good enough or helping me to progress at all. The lessons I'm taking online are, quite honestly, way easier and more fun than the classes I had been taking one-on-one with a teacher all those years ago, and I feel like I'm progressing way faster with a better understanding of all that I'm learning.
GuitarJamz is hands-down the best online guitar lessons I've ever taken. Marty is a great, funny guy and an incredible teacher. I personally recommend GuitarJamz to anyone who's ever believed learning the guitar would be difficult or boring. You are seriously missing out if you don't look at other options. This is a great place to start!


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You are a gift, discover your Journey.
Meditation and activations to assist in anchoring your light body into the highest dimensional grid systems currently available to humans on Earth. And activation of our energetic relationship with the Sun (our nearest Stargate) into higher dimensional frequency, assisting in our individual expansion as well as the expansion of Gaia, our solar system and the associated ripple effects across the Cosmos.
ThankYou Jill ~ for this Meditation, I shall be listening to this again!!!! Namaste & Angel Blessings )))))))))


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Sears Holding: Declines pretty much across the board
February 27, 2014-- Home Textiles Today,
Hoffman Estates, Ill. - Sears and Kmart stores experienced sales declines in almost every product category during the fourth quarter - the exceptions being lawn & garden at Sears and consumer electronics at Kmart.
For the quarter ended Feb. 1, Sears Holding's net loss narrowed to $358 million from $489 million in last year's fourth quarter. Revenue dropped 13.8% to $10.6 billion due to a combination of lower same-store sales and the impact of operating fewer stores than at the same point in 2012.
During the quarter, comps fell 5.1% at Kmart and 7.8% at Sears U.S. stores.
For the full fiscal year, net loss widened to $1.365 billion from $930 million in the previous fiscal year. Revenue fell 9.3% to $36.2 billion. Same-store sales decreased 3.6% at Kmart and 4.1% at Sears U.S. stores.
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Interational Taxation and Accounting
Taxation in various countries
For tax information from specific countries, search OskiCat for the subject heading "[country name] -- taxation."
Also search OskiCat for books on "international business enterprises accounting"
Articles on Taxation and Accounting
Search EconLit and Business Source Complete for peer-reviewed and trade journal articles.
Accounting Standards
Books on subject: "corporations foreign taxation"
AICPA professional standards. International volume : international accounting ; international auditing as of ... International volume.
HF5667 .A432 Reference
International financial reporting standards
International Accounting Standards Board
Includes full text of all International Accounting Standards extant at beginning of year that the volume is issued.
HF5686.I56.I562 2007 Reference
Miller international accounting standards guide
International accounting standards guide Miller IAS guide.
HF5626 .M55 Latest in Reference


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Back to School Savings!
Celebrating Independence in Your Home Town
As Americans, we are understandably proud of our nation's independence and the entrepreneurial spirit that has been the backbone of the American dream and our country's success. We are proud to be an independently owned business that can trace its roots all the way back to 1861! We here at Peterson Shoes would like to remind you how important it is to spend your hard earned dollars in the community you live in. We know internet shopping is here to stay, and it is certainly a great resource. But here are a few things we would like you to consider before you buy shoes online or at a national chain:
1. Can you build a relationship with an online retailer?
Relationships are a top priority here at Peterson Shoes. We have been serving the families of the northwestern suburbs for over 150 years! In that time, we have fitted children who have brought in their children, grandchildren, and even great grandchildren for their first pair of shoes. We consider it a privilege to be part of your lives in this ongoing tradition.
2. Can Amazon explain which shoe is best for you?
Peterson Shoes staff members are trained in fitting shoes properly and helping you find the right shoes and inserts to alleviate any pain you may be experiencing. We have three Certified Pedorthists on staff that specialize in using footwear, including shoes, shoe modifications, and other pedorthic devices, to solve problems in or related to the foot. Simply put, you have questions. We have answers.
3. How much money spent online or in chain stores returns to your hometown?
Studies show locally owned businesses contribute a much larger portion of their revenue back into the local economy, thereby enriching the entire community. For every $100 spent in independently owned businesses, $68 returns to the local economy through taxes, payroll, and other expenditures. If you spend that same amount at a national chain, only $43 stays local. And if you spend it online, nothing comes home!
4. Has your doctor suggested you buy shoes online?
We have earned the trust of many doctors in the area who confidently recommend coming to Peterson Shoes to be fitted for the specific shoes you require. Plantar fasciitis is probably the most common cause of foot pain and we can work with you to provide the options you need to deal with this painful condition.
5. Is the internet happy to see you?
We are! We know that YOU are the reason we are here, and we do our best every day to provide the kind of service that lets you know you are valued.
Tradition, experience, expertise, trust, and community. These are the qualities of independently owned business such as Peterson Shoes. We hope to continue to serve Anoka and the surrounding communities for many, many years to come. You can make that happen by shopping here and buying here. That's why we are happy to say "Welcome home to Peterson Shoes!"
Yes, I want to know about special promotions at
Peterson Shoes!


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WebMD Medical News
Robert Lowes
Reviewed by
Laura J. Martin, MD
July 30, 2010 -- Doctors should advise women who use Evamist spray to prevent children from coming into contact with their medicated skin to avoid possible adverse events, such as premature puberty for girls and enlarged breasts for boys, according to the FDA.
Similar adverse events may occur in pets exposed to the drug.
Evamist is prescribed to reduce hot flashes in menopausal women. Those receiving the drug spray it on the inside of their forearm between the wrist and elbow. If patients cannot prevent a child from coming into contact with a patch of sprayed skin, they should wear a long-sleeved garment to cover the application site.
If children are exposed to the drug through skin contact, their skin should be washed with soap and water as soon as possible.
From the time Evamist was approved in July 2007 through June 2010, the FDA has received reports of eight cases of children aged 3 to 5 who were accidentally exposed to the drug. Girls experienced nipple swelling and breast development, and boys experienced breast enlargement.
These adverse events occurred several weeks to months after an adult began using the spray. With some cases, the problems resolved themselves once the adult stopped using the drug or took steps to prevent the children from touching medicated skin.
The same precautions that apply to children and Evamist also apply to pets. The FDA has received reports of mammary and nipple enlargement, vulvar swelling, and liver failure in one female dog exposed to the drug, and vaginal prolapse and elevated estrogen levels in a second female dog.
"Small pets may be especially sensitive to the estrogen in Evamist," the agency states in a consumer bulletin.
The FDA is studying reports of adverse events in children and pets associated with the drug and is working with the manufacturer to identify any factors that may contribute to unintended exposure.
More information about the announcement is available on the FDA's web site.
To report adverse events related to Evamist, contact MedWatch, the FDA's safety information and adverse event reporting program, by telephone at 800-FDA-1088 or online at www.fda.gov/medwatch.
This article was adapted from Medscape Medical News.
SOURCES:News release, FDA.Medscape: "Exposure to Estradiol Transdermal Spray Risky for Children and Pets, FDA Says."
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This is an example of the Tibetan Buddhist Tantric (Vajrayana) chanting sometimes referred to as the 'Lion's roar'.
I learnt how to do this type of chanting from the chant master at Sera Je, the Tibetan Buddhist Monastic University in exile, India.
More info
Fantastic, can't get enough of this sound! Used and attributed here: http://www.youtube.com/watch?v=hVB9ANzvy5g
Thank you for releasing this.
Remixed it into a fairytale which you can find here:
Thank you! I used a piece of your music! Hope you like it!
Beautiful! Thank you for the share.
Very nice!!Thanks!!!!
Please log in to comment


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WEAR - Search Results
Locals hosted a family fun night to raise money for the victims of Typhoon Haiyan
Tonight some locals raised money to help give aid to victims of super Typhoon Haiyan.
The storm devastated the Philippines killing more than a thousand people last month.
Tonight the 'Filipino American Republican Club' is hosted a family fun night at Old Garrett's Grill.
They had karaoke, and plenty of Filipino foods.
Tonight's event cost 20 dollars a person, but it was all to benefit recovery efforts in the Philippines.


text: I think the Pacers have given Granger enough chances and he has not been there for a full year yet. With his huge contract if Jordan really wanted him why not trade Charolette for Michael Kidd Gilchrist and Bismark Biyombo for Granger and Hans that also sends Hans back where he played college ball and would be a draw for them we get TWO young players a SF and PF so our core players except West would be young and can grow together into what I believe a force over the years. Plus the huge contract is gone.


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Do You Eat Peeps?
by POPSUGAR Food 35 Reactions 3 Shares Print
In addition to this weird survey, the folks at Just Born have announced a few new Peep related products this year: green chicks, cocoa bunnies, and sugar-free chicks (although someone told me these were actually available last year too). Alternatively, you could try making your own peeps from scratch. I know some of you are going to rush out and try it, and some of you are just disgusted by the Peep thing in general. So let us know, do you eat Peeps? Oh and if you didn't notice, I just wanted to point out that these ones are on a stick too.
celebrity_soup 7 years
duh! yessssss
kmcconne79 7 years
i adore peeps... i could live on them... *yum*
Cairo 7 years
_ZergGirl__I agree Cadbury Eggs are the Best! The caramel ones are good too! I Like Peeps but can't eat more than 1 or 2,I'm more of a Chocolate fan. _________________________________________________________ "Yes! I Am Every Canadian!"
joyofadventure 7 years
ok. best way to eat peeps: (trust me!) slit the packaging so they get stale, just a week or two is fine, then microwave them (like 10 seconds or so) then kindof pull them apart a little/stretch them out and let them cool then when you bite into them they are crunchy and just melt in your mouth... DELISIOUS!
Spun-Sugar 7 years
OMG ya'll, I'm a part of the PEEPS official fan club. So's your face.
ZergGirl 7 years
Cadbury eggs!! Now THAT'S Easter candy! ~swoon~ And now I am totally considering buying peeps just to do the microwave thing... :D
OliverCakery 7 years
EEEWWWW! No peeps! **I may make an execption this year and try the microwave thing though... HAHAHAHA!**
colormesticky 7 years
I don't eat Peeps, but when I was a kid my dad, sister, and I used them for target practice. Not sure why, we just thought it was really funny. My best friend's brother is the biggest Peep fanatic on the planet- he has a special "aging process" where he cuts the packaging and stores them in the dark for 4-5 months until they're just the right consistency. I gave him a full case once (which was HUGE) and he was crazy happy. I'd rather eat Cadbury Mini Eggs, myself.
llendril 7 years
oh, i had forgotten about cadbury creme eggs! i absolutely have to go pick some of those up soon.
ibekathy1 7 years
We don't eat them. My kids put two peeks in a microwave with one tooth pick in each chick. Then microwave for a couple of seconds an they have a a toothpick fight. It's kinda funny.
chibarosa 7 years
I also prefer them stale. Make fun of me - I don't care.
SU3 7 years
They are cute but I see (taste) nothing special about them :?
Michelle-StG 7 years
Oh my gosh, I thought I was the only one that microwaved them! I like the texture better - gooey and warmed up! Plus it's fun to watch :)
chatnoir 7 years
Yum! Microwave them and put them on a grahamcracker.
skinny-fat 7 years
how do you make a PEEP-TINI??????************************************************ "Tomorrow is no place to place your better days." Dave Matthews...Don't burn the day
skinny-fat 7 years
not purple or blue peeps...they taste funny ************************************************ "Tomorrow is no place to place your better days." Dave Matthews...Don't burn the day
UrbanBohemian 7 years
Nope. I don't get the appeal even though I like marshmallows. My fave Easter candy has got to be Cadbury Creme Eggs.
skinny-fat 7 years
I LOVE THE PEEPS. I LOVE THE FRESH, I LOVE THEM STALE, I LOVE THEM WARM & MUSHY FROM THE MICROWAVE. I'M A PEEPAHOLIC :JUMPIN: ************************************************ "Tomorrow is no place to place your better days." Dave Matthews...Don't burn the day
nikkiana 7 years
I've eaten them.... I remember them as being part of my easter basket as a kid... but they're not something I go out of my way to buy.... They look a lot better than they taste!
POPSUGAR-Food 7 years
I don't think i've ever gone out of my way to buy peeps, but they were always part of my basket as a kid. I always ended up eating them, but I'm not sure I actually ever liked them.
ccsugar 7 years
I hate Peeps. But that microwave trick sounds kinda fun! :)
divinedebris 7 years
yuck yuck yuck yuck! i absolutely loathe peeps. my mother used to buy the every easter for us an i never ate them.
kscincotta 7 years
I absolutely hate Peeps. But I loved the "peep-tinis" they drank on "The Girls Next Door" mostly because I love saying "peep-tini" Also, I'm having a yellow and purple bunny-themed baby shower for my best friend in three weeks and now I really, REALLY want to make that centerpiece in the picture for it.
econinsf 7 years
I eat just one yellow-chick-peep a year. Reminds me of when I was little. More for nostalga than enjoyment.
partysugar 7 years
I don't think I've ever had one and although I'm crazy about marshmallows I wont be consuming any peeps any time soon.
SaRaH-22 7 years
they are sooooooo sooooo soooo good, but i can only eat like 2 or 3 at a time then it becomes to much! but then again i love anything marshmellow!
vmruby 7 years
Twink, it's a marshmellow candy covered with tons of sugar which are in the shapes of bunnies or little chicks, and mostly sold at Eastertime and IMO really sweet.I don't like them at all.....
Twinkle1 7 years
What's a Peep?
blogsap 7 years
get out! i can't wait to try!
llendril 7 years
i love that microwave trick! i put two in there, stick a toothpick in each one, and watch them 'duel' as they puff up. lol
blogsap 7 years
i don't eat them but i sure put them in the MICROWAVE!! have you done it before? ok, i'll give you "that's childish" but it's funny to see a triple the size peep in less than 10 seconds*. Try it! *don't keep it in too long, it will burn and smell up your kitchen.
Maggie-Mae 7 years
Peeps scare me!
Katharine 7 years
I can handle like 1-2 peeps a year and that is my limit. My dad is the kind of person who loves them but only really stale. He will open a package and hide it from my stepmother for 2-3 months then eat them. Gross.
ZergGirl 7 years
Nope, sorry. I hate these things with a major irrationality. I don't like marshmallow in general, but making it look like a chick and covering it in yellow sugar just grosses me out. I don't even like to look at the packages in the grocery store!
cravinsugar 7 years
I am a peep fanatic. And for all of you who ar also peep fanatics, here are some other great peep products: At Christmas, sugar cookie flavored "cookie cutout" peeps (look like gingerbread men but lighter in color) On Valentines Day, strawberry and vanilla creme peep hearts. The cocoa peeps i thought were disappointing in flavor, but they smelled really good. _________________________________________________________ Why don't you wear the face you have when I am not around?
Link Love
- Napa restaurants and wineries begin to rebuild post-earthquake — Eater
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- A better-than-quinoa grain salad — PureWow


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Austin Genealogical Society Monthly Meeting
Tuesday, January 28, 6:30 p.m. – 8:30 p.m.
Mapping personal histories.
Katherine Strickland of the UT Libraries will talk about how the Perry-Castañeda Library (PCL) Map Collection can help you create a more complete picture of your past. You will learn how to navigate the Libraries' website to find and access materials campus wide. Katherine will also point to helpful genealogical reference materials.
Katherine Strickland has worked for the University of Texas Libraries since 2000, and has provided general reference since 2005. She became the PCL Map Collection Library Specialist in April of 2010 and has been providing genealogical reference since. She is a member of the Western Association of Map Libraries and the North American Cartographic Information Society. Originally from San Antonio she has lived in Austin since 1994 and can't imagine ever leaving Texas.
Austin Genealogical Society Monthly Meeting
Tuesday, February 25, 5:30 p.m. – 8:30 p.m.
NOTE: park in Lot 3 (immediately south of the SFA Building, on Congress Ave. between 16th and 17th Street — Please enter the building through the Congress Ave. entrance, and there will be a staffer there to greet you.
James Harkins is the Director of Public Services for the Texas General Land Office Archives and Records Program. James graduated from Texas State University – San Marcos with a bachelor's degree in Communications in 2005, with a double minor in history and business. James received a Master's Degree in Public Administration, also from Texas State, in December of 2010. James is the 2010-2011 James W. McGrew Research Award winner for his graduate thesis from the American Society for Professional Administrators (ASPA). James has worked for the Texas General Land Office since May of 2005. James became a Certified Archivist in 2012 through the Academy of Certified Archivists (ACA). James is currently enrolled at the University of Texas School of Information, pursuing a Masters in Library and Information Science.
About presentation:
This presentation covers the historical resources of the Texas General Land Office Archives and Records.
With items dating back to 1720, when Texas was part of the Kingdom of Spain, through the late 19th and early 20th Centuries, during early statehood, and everything in between, this presentation focuses on almost 300 years of archival records that can be found at the Texas General Land Office.
Pre-dominantly, this lecture will focus on the time period immediately before the Texas Revolution, the Republic of Texas era, and early statehood for Texas. Additionally, this presentation will features information about the various Special Collections found at the GLO and the many online resources found at the GLO, including the Clerk Returns, which the TSGS has donated $45,000 over the last 3 years to conserve, scan, and provide access to. We will also examine land grant records and how they can be used for genealogy.
Records from the GLO have been used for generations to secure entry into several lineage societies, like the DRT, SRT, and more.


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Southampton rolled to a well deserved 2-0 victory over Crystal Palace behind goals from Pablo Osvaldo and Rickie Lambert.
Southampton had an early chance to go in front in the 8th minute when a poor clearance attempt by Crystal Palace popped up in the air and right to Morgan Schneiderlin. His chip-eque header looped over Julian Speroni -- can you chip the ball with your head? -- but was cleared off the line by a Palace defender.
There was an interesting moment in the 28th minute when Palace striker Marouane Chamakh got past the Soton defense and went down in a heap after Artur Boric tried to sweep the ball off his foot. While most expected a penalty, referee Martin Atkinson wasted no time pulling out his yellow card and booking Chamakh for diving.
Replays showed it was an excellent call as Chamakh began his "fall" before Boruc arrived and dragged his foot back into the keeper in an attempt to trick the referee.
Soton finally got the much deserved lead less than two minutes into the second half thanks to their record signing Pablo Osvaldo. After a poor clearance by Palace, Adam Lallana gained control of the ball at the top of the area and pushed in centrally to Osvaldo. The Italian international created some space for himself before firing a low shot that skipped over Julian SPeroni's outstretched hand.
Two minutes later the Saints were back for more.
After earning a free kick 25-yards from goal, Rickie Lambert stepped up and hammered a shot off the near post and into the back of the net to double the lead to 2-0.
Southampton: Boric, Clyne, Lovren, Fonte, Shaw, Schneiderlin, Wanyama, Osvaldo, Davis, Lallana (Ramírez 86'), Lambert (Rodriguez 77').
Goals: Osvaldo (47'), Lambert (49')
Crystal Palace: Speroni, Ward, Mariappa, Gabbidon, Moxey, Dikgacol, Jedinak, Kebe (Philips 73'), Bannan (Jerome 57'), Gayle (Thomas 58'), Chamakh.
Goals: None.
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• 2022 World Cup in Qatar is lost in the desert
• 5 things we learned from the League Cup's third round
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Beaverton, Oregon - Mar 2, 2009 -Audio Precision has a new lease program. The program is being introduced in the USA and will be rolled out to other countries later in the year, based on demand.
Leasing allows companies to pay for audio test equipment with small monthly payments rather than one capital expenditure. No down payment is required and the first payment is due 30 days after receipt of the instrument. There are no penalties for early buyout. Depending on the type of lease, the instrument can be bought for one dollar at the end of the term. There are no restrictive covenants and no cross collateralization with other company assets.
Details and terms are posted at the Audio Precision website.
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So, after Sunday's tough loss in Seattle, we stand at 1-1 and the Seahawks stand at 2-0. I wanted to explore what we will have to do in order to win the division
Looking first at Seattle's schedule, there is some immediate good news. Seattle plays all three of their toughest remaining opponents (Houston, Atlanta, SF rematch) on the road - where they look much more beatable than at home. They also face challenges on the road against the Colts and Giants, as well as division rivals Arizona and St. Louis. Although they already have one win in the bag, I think it's likely that they may not do better than .500 on the road. The flipside of this, however, is that they face a very easy slate of opponents at home, with their toughest challenge coming from the Saints on a Monday Night game. That being said, I think the most likely outcome is that they will go 8-0 at home and either 4-4 or 5-3 on the road; for a final record of either 12-4 or 13-3.
In order to match (or top) that, we will have our work cut out for us. The next six weeks leading up to the bye will be critical, in my opinion. After splitting two very tough games to start the season, we have a number of winnable contests. Our toughest challenge will probably be the Texans (at home), followed by the Colts (home) and Rams (road), plus the Cardinals (home), Titans (road) and the Jaguars (road, London). We need to go at least 5-1 over this stretch if we are to have any realistic hope of winning the division, since we play most of our toughest remaining games after the bye. After the bye, our biggest challenges will be New Orleans on the road, and Seattle and Atlanta at home (the rest of our games are: Panthers, @ Redskins, Rams, @ Buccaneers, @ Cardinals). If there is only one "Must Win" game left on our schedule, it is the Week 14 re-match with Seattle, since the first tiebreaker is head-to-head record. Depending on what our record looks like going into the bye, we could potentially drop one or two games after the bye and still win the division but it would be VERY close.
Bottom line: I think we will need to shoot for 13-3 to win the division. It is very possible but will require us to win all of the "should win" games and a good number of the closer ones, especially the Seattle rematch. Seattle may make things easier for us if they drop a winnable game or two on the road, but we cannot count on that.


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After the horrific school shooting in Connecticut the Austin Police Department has increased patrols near schools.
Additional law enforcement patrols are on watch at several schools.
Most high schools and middle schools have officers on campus. They're called School Resource Officers. AISD also has its own police force to patrol each campus. Monday morning, Austin police cars marked and unmarked were also spotted on patrol at and around local elementary schools. Police Chief Art Acevedo contacted school officials this past weekend and offered the extra back up.
"It's more about being responsive to our community. I actually had probably close to 10 parents throughout my weekend contacted me and ask me to please, please, please have some presence at the schools," said Chief Acevedo.
There are no immediate threats to local schools but the patrols, according to the Chief, are about being seen and making a statement.
"It's important for people to know that we are here, we're going to be vigilant, and god willing we'll be able to disrupt and keep our schools safe," he said.
Chief Acevedo also says the extra patrols are not enough.
"Our message to the parents is, listen, you cannot keep your kids safe 100 percent of the time but, you can keep vigilant, and you can be our eyes and ears. Not just parents, everybody in our community. Listen to what people are saying, pay attention to what they are doing, look for changes in behavior, it takes really everybody to police a city," Acevedo said.
The Chief says the patrols will continue at least through this week.
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MILLSBORO, Del. - Police have arrested a Milton man, after he allegedly raped a teenager. Milton Police say they started investigating 35-year-old John Piper, after getting a tip that he had sex with a 17-year-old in Milton.
That investigation showed that the incidents happened in the un-incorporated area of Millsboro. Piper was arrested, charged with 2 counts of rape 4th degree, and is being held on $20,000 bond at SCCI.He was ordered no contact order for the victim and anyone under 18.


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@List Lite 1.0.8
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And then were three. ESPN's Adam Schefter reports that Jets offensive coordinator Brian Schottenheimer has informed the Bills that he will not interview them for their vacant head coaching spot either this week or after the season.
SB Nation's Buffalo Rumblings points out that due to the close relationship between Bills GM Buddy Nix and Brian's father and former NFL head coach Marty, that it was widely assumed that the team had a good shot of landing him. However, Schottenheimer had maintained throughout the process that he was happy where he was in New York as the Jets' offensive coordinator. It turns out that — at least this time — he went what he said.
With Schottenheimer out of the picture, the Bills are left with three coaches they have either already or asked to inteview. Buffalo has spoken with interim head coach and Bills defensive coordinator Perry Fewell and Vikings defensive coordinator Leslie Frazier, as well as requesting an interview with Cardinals offensive line coach Russ Grimm.


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The issue of spouses watching pornography is one that can tear a marriage apart. For some couples pornography is okay, while for other couples, the use of pornography is a deal breaker.
The Pornography IssueWhen a wife discovers that her husband is viewing pornography, she often has feelings of rage, repulsion, disappointment, and mistrust. Her feelings of anger and hurt are intensified if he prefers viewing porn over having sex with her.
While many wives consider pornography to be insulting, degrading, and a form of cheating, many husbands don't understand their wives' anger about the use of pornography and don't see themselves as being unfaithful.
"But the attention paid to the connection between porn and infidelity doesn't translate into anything like a consensus on what that connection is. Polls show that Americans are almost evenly divided on questions like whether porn is bad for relationships, whether it's an inevitable feature of male existence, and whether it's demeaning to women. This divide tends to cut along gender lines, inevitably: women are more likely to look at pornography than in the past, but they remain considerably more hostile to porn than men are, and considerably less likely to make use of it. (Even among the Internet generation, the split between the sexes remains stark. A survey of American college students last year found that 70 percent of the women in the sample never looked at pornography, compared with just 14 percent of their male peers; almost half of the men surveyed looked at porn at least once a week, versus just 3 percent of the women.)"
Source: Ross Douthat. "Is Pornography Adultery?" TheAtlantic.com. 10/2008.
"This is a very common question and concern. Let's start by dispelling a major porn myth; there is absolutely nothing "unhealthy" or abnormal with watching porn in and of itself. As long as we're talking about legal adult movies, and as long as everyone who is watching is consenting, there is nothing inherent in pornography that makes it bad. That doesn't mean that people do use porn in unhealthy ways, watching too much of it or becoming obsessive about it. But people do this with drugs, work, even sports, and we don't consider those things "evil" (well, some of us do I guess). ... The first thing I want to suggest is that you talk to him about it. Without being judgmental, it would be interesting to know what he likes about porn. Is it the fantasy? Are there things he sees that he wants the two of you to try? Is it boredom or habit?
Source: Cory Silverberg. "Is Watching Porn Okay?" Sexuality.about.com
Additional Reading:
Can Pornography Undermine Your Marriage?
What is Pornography?Pornography is difficult to define because it is different things to different people and not all porn is illegal.
Pornography is generally defined as material (magazines, pictures, videos, movies, internet web sites, etc.) that depicts individuals in sexually explicit ways. Although porn is also described as adult entertainment and a harmless habit, it is also described as a gateway drug that can lead to betrayal and infidelity.
Shannon Bradley-Colleary: "Some of my favorite aphrodisiacs include True Blood, Spartacus, Hung (which sadly was canceled), Girls and Game of Thrones. Oh sure, sure, the story lines are compelling, the dialogue whip-smart, the worlds rarefied, but let's face it, these shows are all soft porn. Soft or hard (yes, a pun), I think pornography can help keep a marriage fresh, vital, funny and ever-evolving if it's not used as a replacement for actual sex with your spouse."
Source: Shannon Bradley-Colleary. "Can Marriage and Pornography Get In Bed Together? HuffingtonPost.com. 7/18/2012.
Additional Reading:
From Crime at About.com: Child Pornography
What is Pornography?
Quotes on Pornography and Sex
A Few Warning Signs of Harmful Pornography UseThe obvious sign of harmful pornography use is lack of sex in your marriage. Here are other signs that could show that your spouse has crossed the line in viewing pornography.
- Continual denial in the face of obvious evidence.
- Excessive masturbation.
- Inability to stop viewing porn.
- Neglect of family, spouse, job, hobbies, etc.
- Refusal to discuss the issue.
- Loss of sexual intimacy with mate.
- Lying about pornography use.
- Lack of caring about your feelings on the issue.
- Moodiness.
- Staying up later at night to spend time on the computer.
- Computer passwords changed.
- Demand for unusual amount of privacy and personal time on the computer.
- Allowance of easy access by your children to pornographic magazines, videos, and computer files.
Additional Reading:
How to Know if Your Spouse is Having a Cyber Affair


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The App Store over the years has won customer trust for secure apps since each app goes through an approval process. However, in the recent past there have been many cases where users' data has been compromised due to the app developers server being hacked or not using enough security … Read the Full Story →
Tag Archives: Security
Earlier this year, rumors began to emerge that Apple is planning to include a fingerprint sensor in its upcoming iPhone 5S. The reports died down for a few weeks but have once again surfaced, this time from Apple. Apple recently posted a new job listing for a software enginner to … Read the Full Story →
Only a day after releasing the iOS 6.1.3 software update to the public, Apple appears to have yet another issue with its mobile OS. iOS 6.1.3 patched an passcode lock bug on the iPhone, and also delivered a number of Maps enhancements for Japanese users. However, on Wednesday, a YouTube … Read the Full Story →
On Tuesday, Apple released iOS 6.1.3 software update to the public, addressing the passcode lock bug that has been plaguing users as well as the Japanese Map enhancements that were expected with iOS 6.1.1. Last month, Apple released the second beta of iOS 6.1.3 to developers for testing. It is … Read the Full Story →
According to a report from China Times, Apple is looking to include both fingerprint sensors and NFC (Near Field Communication) e-wallet features to the iPhone 5S. Apple has reportedly drafted a contract with Taiwan's Chipbond Science and Technology in order to develop the fingerprint sensors. The report also notes that … Read the Full Story →
Apple released the second beta of iOS 6.1.3 to developers late last week to address a passcode lock bug that plagued many user's iOS devices. Now, the issue is once again surfacing after a second lock screen bypass bug was discovered in iOS 6.1. The bug gives access to basic … Read the Full Story →
Apple released several beta versions of iOS 6.1 to developers and is now set to release it to the public. The company was reportedly testing a new beta of 6.1, the Golden Master version, which usually remains unchanged with the public release. According to German site, iFun, Apple is going … Read the Full Story →
Apple has yet to release an iOS 6.1 update, which is currently still in beta mode but has already released a new update for the new iPhone 5 and iPad mini. The update, called iOS 6.0.2 was released to fix a bug which sometimes caused the WiFi connection to falter … Read the Full Story →
Apple's new Passbook feature, introduced with the latest iOS 6 is compatible with a host of apps on the Apple App Store, and is capable of storing boarding passes, gift cards, tickets, and even prescription, putting them all in one place for easy access. Upon release of the new Passbook … Read the Full Story →
According to a report from 9to5Mac published late last week, Apple is looking to patch up the In-App purchase hack in iOS 6 and has issued best practices to developers in an email as well as a temporary solution. This will allow developers to temporarily fix the issue until a … Read the Full Story →
On Monday, Apple released iOS 5.1.1, the latest iOS update since 5.1 which brought a number of bug fixes and battery life fix for the iPhone 4S. The latest free software update is only an incremental upgrade and as expected, brings a number of bug fixes and performance enhancements for … Read the Full Story →
In recent weeks, a plague has overtaken the Mac OS X operating system, called the Trojan Flashback. The Flashback malware allows hackers access to personal information of Mac users, by extracting the info via a security hole in Java as well as other recent social engineering methods. With Java being … Read the Full Story →
On Monday, Apple released iOS 5.1 beta 3 to developers for iPhone, iPad and iPod touch, adding on the previous beta versions released late last year. Apple released iOS 5.1 Beta 2 on December 12 with Build number 9B5127a. The current beta now uses build number 9B5141a. iOS 5.1 beta … Read the Full Story →
Rating: PassPath Review: A simple app for iPhone that does one thing and does it exceedingly well. If you have a need to keep photos secure, PassPath is your app. Personally, I can only think of a small number of scenarios where this level of security would be required (e.g., proprietary … Read the Full Story →


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App of the week for journalists – Flud, an RSS and news reader
App of the week: Flud
Operating systems: Apple (iPhone, iPod Touch and iPad) and just released on Android
Cost: Free
What is it and how is it of use to journalists? Any journalist who uses RSS feeds to keep a track of news will know their worth. But if you've tried to use an RSS reader on your phone you will no doubt have found the small screen to be annoyingly limiting.
Flud is a good alternative, as it allows you to add RSS feeds from Google Reader and search for other feeds from news sites and blogs. You can organise your content by dragging feeds around and you are presented with stories in a visual, picture-led way. This is probably what earned it the title of Fast Company's "Best UI of 2010″, as stated on iTunes.
After organising your feeds you can then bookmark and share stories by Twitter, Facebook and other social networks.
Reviews: It gets three stars in Apple's App Store and in the Android Market.
Have you got a favourite app that you use as a journalist? Fill in this form to nominate an app for Journalism.co.uk's app of the week for journalists.


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Head On!
Taxiing in front of the Airventure crowd.
Bill Leff at ACIAS 2012.
Oceana 2012
Air show performer Bill Leff and his Texan.
Pensacola AirShow 2010
Macdill AirFest 2009
The highlight at the Oceana's Twilightshow, Bill Leff!!! Amazing display in that pitch black sky!
Bill Leff and his T-6G with wingtip fireworks during his impresive Starfire Night Skyshow.


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October 19, 2013
The recent conversion of Valley State Prison for Women into a male facility has led to a dramatic increase in the use of solitary confinement: Ad Seg at CCWF and the SHU at CIW. Concurrently, there have been several suicides in Ad Seg and the SHU in recent months, at least one from an alleged "overdose." The excerpt from the letter quoted above is one of many that indicates how desperate the situation is.
September 12, 2012
Prisoners in Pelican Bay's SHU have announced a push to end all hostilities between racial groups within California's prisons and jails. The handwritten announcement, sent to prison advocacy organizations, is signed by the PBSP-SHU Short Corridor Collective. The statement calls for the cessation of all hostilities between groups to commence Oct. 10, 2012, in all California prisons and county jails. It also calls on prisoners throughout the state to set aside their differences and use diplomatic means to settle their disputes.


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The relationship between private student loans and bankruptcy has been muddled ever since the war on student loan debt began way back in the 70′s, but even in 2014, it's still possible to get rid of private student loan debt by filing for bankruptcy.
This page will teach you how to figure out if you're likely to get approval for having your private student loan debt discharged, which type of bankruptcy you should file (Chapter 7 vs. Chapter 13), and what you can expect to face during the legal proceedings.
Can You File Bankruptcy on Private Student Loans?
Yes, you absolutely can.
It's a bit complicated, but not so difficult that you can't figure it out with a little bit of research.
Many people think that filing bankruptcy on private student loans is no longer possible, but that's simply not the case.
In 2014, you can absolutely file bankruptcy over private student loan debt, but better yet, you can get that debt entirely erased by having it "discharged".
Winning a private student loan discharge does require going to court, and it will likely require the services of a lawyer, but it's certainly possible to fight, and win, especially if you're well prepared.
How Does Private Student Loan Bankruptcy Work?
During the bankruptcy process, you'll need to issue a formal complaint arguing that your student loan debt is placing an "undue hardship" on your life, preventing you from being able to provide basic life needs for yourself and/or your dependents.
It's tough to receive an undue hardship discharge for certain types of private students loans, but it's exceptionally easy for others!
The difficulty is determined by the type of school you attended, the specific school where you received your education, and the type of educational program you borrowed money to attend.
Here are the types of private student loans that are typically easy to discharge via filing for bankruptcy:
- Private student loans to attend a school that is not on the Department of Education's list of "eligible educational institutions" (explained below in the section called "Am I Likely to Receive Approval for Discharge?")
- Private student loans that were provided by large, national lenders, like well-known banks or other massive financial institutions
- Private student loans that were issued for education that isn't offered at traditional four year colleges and universities, such as technical training programs, vocational training programs, truck driving schools, IT training courses, coaching classes, mechanic schools, cooking schools and beauty schools
Keep in mind too that even if you don't qualify for a full discharge, you may end up being eligible for having some percentage of your private student loan debt erased during bankruptcy proceedings.
The relationship between bankruptcy and private student loans is definitely complicated, but this article should help you figure out just how to take advantage of the available opportunities.
Discharging Private Student Loan Debt Via Bankruptcy
Getting your private student loans discharged during bankruptcy proceedings doesn't happen automatically, as it's not part of the basic bankruptcy process.
To receive a discharge for your debt, you'll need to file a petition (called an "adversary proceeding") that requests a court judgment (called a "determination") on whether or not you will receive approval for having your private student loan debt discharged.
After filing the petition, you'll have to prove to the court that paying off your loan "will impose an undue hardship on your and your dependents."
The basic idea here is that the court has to agree that your loans are destroying your life by making it impossible for you to provide food, shelter and other basic needs for yourself and/or your family.
This isn't an easy to thing to do, even if your loans really are causing you serious financial hardship, especially because different courts use different "tests" to determine whether or not you're truly facing an "undue hardship".
Which Undue Hardship Test Will You Face?
We can't answer that question with any shred of accuracy, and to get an accurate answer, we'd recommend that you consult with a local bankruptcy attorney.
Courts in different parts of the country use different tests, but it appears to be up to the judge's discretion (at least in some cases) on how this stuff is handled.
And to add to the confusion, some courts take the test as an all or nothing deal where you either qualify for having your entire loan discharged or fail to qualify for having any of it discharged, while others will allow you to discharge some portion of your loan depending on the results of the test.
However, to help give you an idea of what you'll be facing when trying to get approval for an undue hardship discharge, here's a breakdown of the most common undue hardship tests in use today:
The Brunner Test
The Brunner test for undue hardship allows you to discharge student loans in bankruptcy proceedings if, and only if, you meet all three of the following conditions:
- Poverty – If you are forced to repay your private student loans, your current income and expenses will not allow you to maintain a minimal standard of living for yourself and your dependents
- Persistence – Your current financial situation (really, the problems relating to it) is likely to remain consistent for a significant part of the remaining repayment schedule
- Good Faith – You have previously made a good faith effort to repay your private student loans by making spending changes
How do you satisfy these conditions?
You're having trouble paying rent, keeping the lights on and putting food on the table, but you haven't been taking annual family vacations, you aren't driving new vehicles, you didn't recently buy a house, your apartment isn't furnished with high-quality electronics and you don't have the latest iPhone in your pocket.
You actually need to live, and look like someone who is living at, near or below the poverty line. If you can't afford to pay off your private student loans because you blew all the money for them on personal possessions, luxury expenses, or comic books, then you won't be able to get the debt discharged in bankruptcy when the court applies the Brunner test.
The Johnson Test
The Johnson Test for undue hardship is pretty similar to the Brunner test in that it tries to assess whether or not your private student loan debt will destroy your ability to maintain a minimal standard of living, but it's more comprehensive than the Brunner test.
This test evaluations the following factors:
- Employment & Income – This test will evluation your current employment and income, along with your future prospects, comparing them to the Federal poverty line to determine where you fall on the spectrum
- Education – Your level of education, the effect it has had on your ability to generate income, and the effect it will have on your ability to generate income in the future
- Health – Your ability to stay healthy and remain in the workforce. This part of the test is especially helpful to those with chronic diseases or life-threatening conditions likely to reduce their ability to continue earning an income
- Dependents – Essentially, your expenses. This test makes it easier for those with more dependents to have their private student loans discharged, since dependents are seen as a serious burden
- Good Faith Efforts – Your previous attempts to pay off the debt. This attempts to find out if your current financial situation was caused through irresponsible or negligent behavior by evaluating your attempts to maximizing income and minimize expenses
How do you satisfy these conditions?
Just like the Brunner test – you'd better look like you've tried to pay off your debt, minimize expenses and reduce the amount of money that you "wasted" on inessentials. If you've got a lot of cool stuff, took some vacations or remodeled your house, then you're probably out of luck.
The Totality of Circumstances Test
In our opinion, this seems like the most fair test of the bunch, since it purports to consider situations on a case-by-case basis.
The Totality of Circumstances Test seems more likely to want to help you win approval for winning private student loan bankruptcy discharge.
This test seeks to evaluate whether or not you have the ability to repay your debt based on the following conditions:
- Your Past, Present & Future Financial Resources – How much money have you been making? How much are you making now, and what will you be making in the future? Will it be enough to provide for that minimal standard of living?
- Your Reasonable Living Expenses – Based on the number of dependents you have, what is a reasonable estimate for your actual living expenses? How much money do you really need to get by? And will the private student loan prevent you from doing that?
- The Duration of The Hardship – How much longer will you have to work to pay off the loan? Are you temporarily, or even permanently disabled? Do you even have enough time left in your life to work off this debt?
- Your Attempts to Pay It off – Have you sought out other available options for debt relief? Did you attempt a loan modification, refinance or consolidation? Have you borrowed money from other lenders to pay for this loan? Have you cut costs in non-essential expenses?
How do you satisfy these conditions?
Same way as the Brunner and Johnson test – you'd better look like you've tried to cut costs, limit your expenses, and paid off that private student loan, or you're not going to win approval for having the debt discharged via bankruptcy.
The Bryant Poverty Test
This test is the simplest, and probably the hardest to qualify for, unless you're really having trouble making payments and providing for your family.
Unlike the other tests, this is a pretty simple numbers-based approach to determining whether or not your loan leads you to face an undue hardship.
Here how it works:
- Is your after-tax net income near or below the federal poverty level?
That's it!
How do you satisfy this condition?
You'd better not be making good money, no matter what your expenses are. Even if you've got 10 dependents and a ton of other debt, if you're making enough money that you're nowhere near the established federal poverty level, you're not going to get approved for discharge here.
Which Type of Bankruptcy Should I File?
It's important that you consult with a bankruptcy attorney on this point, because Chapter 7 and Chapter 13 bankruptcy's work in very different ways.
You'll face very different consequences from the two types of bankruptcy if your request for discharge gets denied, so choosing the right one can stand to save (or cost) you tens of thousands of dollars.
Here's what happens if you fail to receive approval for having your debt discharged via the undue hardship tests:
- With Chapter 7 Bankruptcy – You won't have any other options if you fail to receive approval for discharge. Once you've been denied discharge, you'll still owe your lenders the full amount of your private student loan debt once the bankruptcy case has ended.
- With Chapter 13 Bankruptcy – You will have some other opportunities for financial assistance if you fail to receive approval for discharge.
Filing for Chapter 13 will give you a little more wiggle room if you don't end up qualifying for private student loan discharge during your bankruptcy arbitration.
You should speak with a local bankruptcy attorney to find out which type of bankruptcy will be the best option for your specific financial situation.
Chapter 13 vs. Chapter 7
If it doesn't seem likely that you're going to be approved for a discharge via the undue hardship rule, then filing Chapter 13 is probably your best option for getting back on your financial feet, especially if it's your private student loan debt that's causing you so much financial trouble.
When you file bankruptcy under Chapter 13, you're essentially agreeing to perform a debt "reorganization", which restructures your debt (rather than completely erasing all of it), and allows you to pay it off in a way that prevents you from being forced into poverty.
Chapter 13 debt reorganization plans are a tool to buy you time to save up money so you can catch up on those bills that you can't afford right now, whether it's a late mortgage, overdue car loans or late payments on private student loan debt.
The best reason to file using Chapter 13 is that you'll have better options for additional assistance if your request for discharge gets denied during bankruptcy proceedings, whereas with a Chapter 7 bankruptcy, you'll still owe the full amount of your private student loan debt, and you won't have any other opportunities to get it reduced.
Benefits to Filing Chapter 13 Bankruptcy
There are some significant reasons why you should consider filing bankruptcy under Chapter 13 if the main goal of your bankruptcy is to help tackle private student loan debt.
Here are the major benefits to filing bankruptcy via Chapter 13:
- Your Chapter 13 plan (the debt restructuring plan that you put together) will determine the size of your monthly student loan payments, rather than your lender, potentially saving you hundreds of dollars each month
- You'll get to make payments at the level you've laid out in the Chapter 13 plan for 3-5 years, however long your reorganization plan is set up to run for, potentially saving you thousands of dollars in reduced student loan payments over that 3-5 year period of time
- You will still owe whatever's left of your student loans after you come out of bankruptcy (at the end of the 3-5 yeras that your reorganization plan lasts for), but you can attempt to discharge what's left of you private student loan debt again using the undue hardship rule
- You won't have to face any collection actions while you're making repayments under your Chapter 13 debt reorganization plan, so no collectors will be able to harass you for that period of 3 to 5 years
- You might be able to assign priority to your private student loan debt during the course of your Chapter 13 plan, allowing you to focus on paying off your student loans and ignore other debts for that period of 3 to 5 years
Only a local bankruptcy attorney can advise you on how this process will play out for your specific situation, and on whether you should choose to file under Chapter 13 or Chapter 7.
Raising Defenses in Bankruptcy Proceedings
Another tool in your arsenal – though you'll need to consult with an attorney to figure out how to use it – is that you may be able to "raise a defense" in your case, claiming breach of contract, unfair or deceptive business practices, or fraud as defenses to continuing payments on your private student loans.
The way this works is that you have to convince the court that you've been swindled by agreeing to rack up huge student loan debt on the promise of future employment or financial gain that hasn't been realized and isn't likely to get realized in the future.
The key point is that the court will have to agree with you that your education credentials don't live up to the hype that was promised, and that you're in a worse situation now than you were in before you went to school.
Essentially, your argument is that yes, you did rack up a ton of debt, but no, it wasn't created based on a legitimate reason, and so it should be cancelled since you were essentially scammed.
This strategy works best with vocational or trade schools, like trucking schools, culinary colleges, pilot training programs, or other educational programs that aren't offered at traditional colleges and universities, and especially those from schools or other institutions with terrible job placement performance.
For some great examples of successful attempts to get debt discharged by raising defenses like these, check out Steve Rhode's recent article here.
Am I Likely To Receive Approval for Discharge?
It's hard to say, as it depends on your specific situation, the court your case will be tried in, and the judge who will preside over your case, but there's one simple trick to quickly find out if the odds are in your favor.
Applicable bankruptcy laws state that "qualified education loans" from "eligible education institutions" cannot be discharged, and the Department of Education keeps a list of institutions that meet this criteria.
The way you can use this to your advantage is to check if your school is featured on that list. If your school is not on the list, then they're technically not an "eligible education institution", and you've got a much better chance of getting approval for your discharge request since your loan may not be counted as a "qualified education loan".
To see if your school is on the list of eligible institutions, go here, and search for it. If your school doesn't appear, you've got a pretty dang good chance of getting an approval for bankruptcy discharge, and you should definitely consult with a local bankruptcy attorney.
A Short History of Private Student Loans Bankruptcy Law
Before 1978, any student loan debt was dischargeable in bankruptcy, without any exceptions.
Whether your debt was from private student loans, or federally-funded loans, you could get rid of it in full, 100%, by filling for bankruptcy.
Banks and other powerful financial agencies (the lenders offering student loans) realized that this was a huge threat on their financial solvency, so they lobbied Congress to change the law, and started winning some serious concessions.
Here's a short timeline on how the bankruptcy laws governing private student loan debt have changed since 1978:
- Pre-1978: All private student loan debt was eligible for discharge via bankruptcy, making it easy for people to discharge their student loan debt when they ran into serious trouble. This was great for those running into trouble, but bad for lenders.
- 1978: Lenders convinced Congress to pass a new law requiring that people pay their student loans for at least 5 years before they're eligible to be discharged via filing for bankruptcy, unless loan repayments "represented undue hardship" to the borrower (making it difficult for them to pay for basic needs).
- 1979: Lenders lobbied successfully for a further tightening of the 5 year restriction, with the new law requiring that the 5 year repayment period couldn't include any time that the student loan debt obligation was suspended, like during loan deferment or forebearance.
- 1990: Congress passes new restrictions requiring that borrowers pay off their student loans for at least 7 years before they're eligible for discharge via bankruptcy, and with the same stipulation that none of those 7 years could include any period of time that the loan debt obligation was suspdended.
- 1998: Lenders land a huge win, convincing lawmakers to update the law so that private student loans aren't dischargeable via bankruptcy ever, no matter how long the loan debt has been paid back. Even borrowers who had paid their loans off for 10, 15, or 20 years couldn't discharge them via bankruptcy now.
- 2005: Previously, a loophole had allowed loans that were not made under a "program funded in whole or in part by a governmental unit or nonprofit institution" to be eligible for discharge, but a new law is passed to prevent virtually 100% of private student loans from qualifying for bankruptcy discharge.
For Additional Information
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Keep in mind that we can't provide legal advice, but we are willing to offer you any other assistance, and we'll do our best to get you a response in 24 hours.
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Club Med in Senegal Looks Like Peanuts, Costs Many Sheckels
By: Going Like Sixty - Published: Feb 19, 2009 Updated: Jul 20 2011 • References: edouardfrancois
Returning to nature is proving to not only be ecologically smart, but business smart too. The luxury chain Club Med commissioned Edouard Francois to build a retreat in the Aldiana region in southern Senegal. Mixing a design flair with a simple construction method, the luxe surroundings will make visitors forget all the fuel burned to reach the sustainable resort. The resort consists of a series of suites that resemble giant peanuts.
Implications - They're raised on stilts and so provide a wonderful view for their visitors. These airy abodes would make ideal destinations for newlywed couples looking to honeymoon, or for families looking for fun.


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Unless you're the hardest of the hardcore fan and tuned in for K-1's World Grand Prix on April 2nd to witness the utter destruction of Peter Aerts by Kyotaro, you've probably been a little hungry for your dose of mixed martial arts action since UFC Fight Night 21 back on March 31st. The hunger will be fed as Zuffa brings us UFC 112 on Saturday, April 10th from Abu Dhabi in the United Arab Emirates.
The card will feature a lightweight championship showdown between B.J. Penn and Frankie Edgar along with a middleweight championship battle between Anderson Silva and Demian Maia. Legends Matt Hughes and Renzo Gracie will also meet in the third fight on the main card with impressive British talent Terry Etim, Brazilian prospect Rafael Dos Anjos, The Ultimate Fighter season three winner Kendall Grove, and 2001 NCAA Division I wrestling champion Mark Munoz all making appearances.
Before we dive deep into the star-studded main card, here's a rundown of all of the action you may possibly get to glimpse on the UFC 112 undercard.
Light Heavyweight: Phil Davis (5-0, 1-0 UFC) vs. Alexander Gustafsson (9-0, 1-0 UFC)
The headlining battle taking place on the UFC 112 undercard will feature the 2008 NCAA Division I national wrestling champion at 197 lbs. in Phil Davis battling Sweden's 6'5" "Mauler" Alexander Gustafsson. Davis successfully made his debut at UFC 109 by beating down Brian Stann over the course of three rounds while Gustafsson made a splash at UFC 105 with a 0:41 knockout of Jared Hamman.
Gustafsson has been a name I've kept a close eye on for quite a long time, and while his upbringing into the mixed martial arts world has been accompanied by a lot of hype -- Gustafsson may be running directly into a brick wall in this affair.
The deciding factor in this fight is easily the controlling wrestling ability of Phil Davis. He has the strength, intelligence, and skill to completely dominate Gustafsson on the floor in this fight. Some may believe Gustafsson's long limbs and jiu-jitsu knowledge can counter Davis, but Davis has shown some surprising knowledge of the dangers of wading in someone's guard. Granted, Brian Stann isn't a true test of that foresight, but Lloyd Irvin is more than competent to teach the young phenom a thing or two in that department.
Look for Davis to avoid the striking exchanges that won Gustafsson his first fight. He'll more than likely find an opening, power bomb Gustafsson to the floor, and control him until he's grown tired. I'll go out on a limb and say that Davis finishes off the Swede in this clash of undefeated prospects.
Lightweight: John Gunderson (22-7, 0-1 UFC) vs. Paul Taylor (10-5-1, 3-4 UFC)
Despite a sub .500 record in the Octagon, Paul Taylor is still one of the more exciting fighters to watch in the Octagon. And fortunately for him, it's given him more opportunities to collect knockout or fight of the night honors. His opponent at UFC 112 in IFL veteran John Gunderson could very well be his next victim.
Some fans would probably say Gunderson is your standard run-of-the-mill "wrestleboxer". He has the ability to be a problem in the top control game, but he isn't the most proficient as unseating opponents from their post on their two feet. He also doesn't happen to be very skilled in controlling opponents from his back, and his striking is far from great.
Taylor isn't a world beater by any means either. He's shown poor takedown defense in past bouts, and he is fairly average in his striking abilities with the exception that he is a much more dynamic striker than most fighters at his level.
The major difference in this fight is that Taylor does have the know-how to escape from his back to the feet with some success, and Gunderson isn't exactly an overpowering wrestler. Gunderson has a shot at lay and praying this fight to a decision, but I'm going to bank on Taylor landing quite a bit while sticking to a range scoring gameplan. Taylor by decision.
Welterweight: Rick Story (9-3, 2-1 UFC) vs. Nick Osipczak (5-0, 2-0 UFC)
In the first of two lower-tier welterweight match-ups, Team Rough House member and The Ultimate Fighter season nine contestant Nick Osipczak will put his undefeated streak on the line against the outstanding wrestling skills and relentless pace of Washington-native Rick Story. Osipczak defeated both Frank Lester and Matthew Riddle in his two appearances in the Octagon while Story recently defeated Jesse Lennox and Brian Foster following his defeat at the hands of John Hathaway in his UFC debut.
Story's gameplan is normally the same. He'll more than likely use his southpaw stance and punching to set-up a consistent dose of aggressive and powerful takedowns. Much like his teammate Mike Pierce, Story's style functions around a great wrestling base, solid conditioning, and a quick pace. While he lacks dynamic finishing ability, he does have some stunning strength, which may eventually translate to knockouts and submissions.
Osipczak comes from a legitimate kung fu background, and his training at Team Rough House has certainly increased his strength and honed his striking skills. While his grappling has saw some improvement, Story will be the true test as to whether Osipczak will be improved enough to stop his pace and top control.
This is somewhat of an interesting fight due to the reputation that Team Rough House has gained from fans. The improvement many of their fighters have seen in their striking skills is very noticeable, and Osipczak can surely be lumped into the pile of fighters who has seen an improvement. His height and reach will also be a factor as he's 6'2" to Story's 5'11" frame, but can he stop Story's wrestling and relentless pace? Story's overall strength is massive, and he's a physical specimen with powerful wrestling that Osipczak won't be able to stop. I'll take Story in this one.
Welterweight: Brad Blackburn (15-10-1, 3-1 UFC) vs. DaMarques Johnson (10-7, 1-1 UFC)
A somewhat tougher fight to gauge as former IFL fighter Brad Blackburn makes his fourth appearance in the Octagon against The Ultimate Fighter season nine runner-up DaMarques Johnson. While Blackburn looks to be having some great success on the bigger stage, he hasn't been the most effective fighter in terms of finishing ability. He also doesn't have the raw talent that some of the bigger names in the division possess, and he'll likely need to have a major change in his training to breakthrough as a mid-tier fighter.
Johnson is recognized as a Brazilian jiu-jitsu fighter, but he isn't a high-level black belt or submission master on the floor by any means. It'd be safe to say he's more of a well-rounded fighter with limited ability in many areas of his game, but choking out Edgar Garcia at UFC 107 certainly raises his stock as an improving fighter.
Blackburn did show some lacking striking prowess in his battle with Amir Sadollah, and Johnson could take advantage of that weakness. The problem is that Johnson isn't exactly a technically sound striker or kicker like Sadollah displayed in his fight with Blackburn, and Blackburn is well-rounded enough to be a menace in both the stand-up and ground game against a lesser skilled fighter.
For such a meaningless fight at the bottom of the card, this is somewhat of a toss-up. Blackburn's striking should ultimately end this fight as Johnson loves to scramble for submissions. Aggressively pursuing Blackburn for those submissions should prove to be unfruitful, and I think Blackburn edges out Johnson via decision due to a mix of strikes from the distance -- keeping Johnson at bay.
Lightweight: Paul Kelly (9-2, 3-2 UFC) vs. Matt Veach (11-1, 1-1 UFC)
Paul Kelly was the recipient of Dennis Siver's spinning back kick at UFC 105 while Matt Veach was submitted by the newest lightweight contender in Frankie Edgar at The Ultimate Fighter season ten finale in a 'Fight of the Night' battle. That line alone should give you an idea as to who will likely come out on top in this showdown, but one of these fighters holds a significant edge in every area of this fight.
Veach will not only have a significantly better wrestling skill-set to stop Kelly's own takedown game, but he's definitely the better striker between the two fighters. Furthermore, the H.I.T. Squad, Matt Hughes and Robbie Lawler's gym, has had some success in producing young talent with a flair for explosive takedowns and powerful punching. Brian Foster, a very exciting UFC fighter, is also from the camp along with many others.
Veach will more than likely use his brute strength and power to land against a non-improving Paul Kelly. Kelly is just way too one-dimensional in his skill-set to offer an answer for Veach's wrestling and better striking ability, and Veach should take out Kelly here and give the UFC a reason to send him packing.
Heavyweight: Jon Madsen (4-0, 1-0 UFC) vs. Mostapha Al-Turk (6-5, 0-2 UFC)
Mostapha Al-Turk's run in the UFC might finally be up, but at least the UFC has given him the opportunity to have a chance to win against the very green Jon Madsen. Al-Turk was pulverized by Mirko "CroCop" Filipovic and Cheick Kongo in his two previous stints in the Octagon while Madsen successfully defeated Justin Wren at the season ten finale.
Madsen's wrestling should make the difference here, but he won't be as experienced as Al-Turk in the submission game. The problem for Al-Turk, however, is that Madsen did prove in his previous battle in the Octagon that his wrestling is a very formidable part of his skill-set, possibly the only real skill he possesses at this point in his career. If Madsen can maintain top control and pound on Al-Turk, he'll take this fight. But look out for Al-Turk's grappling ability in the later rounds. I'll take Madsen, but Al-Turk has a chance.


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Placement Tests
Placement tests are required for a variety of Harvard Summer School courses.
Choose a test to see test dates and instructions:
- Economics proficiency exam
- English language placement test
- Math placement test
- Test of critical reading and writing skills
You should take placement tests as early as possible. Plan to present a government-issued photo ID at on-campus tests.
If you need an accommodation because of a documented disability, call (617) 495-0977 at least two weeks before you take the test.
Placement test scores are posted in your online services account. From the student menu, select "Placement Tests," then "View Placement Test Scores."


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The Warrick County Treasurer is being accused of breaking the law.
Philip Springstun says the documents prove that County Treasurer Pat Brooks is in violation of the law. He says Brooks hired her sister, Dorothy McKendree, to work in the same office after Brooks became treasurer.
County officials confirm to 14 News that McKendree does in fact work in that office.
Springstun, who calls himself a 'government watch-dog,' says he's went to the meeting because the issue should be concerning to the entire county.
The attorney for the commission said he would look into the issue, but gave no timeline. We'll keep you updated.
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