text:
game recaps
Washington Capitals end Philadelphia Flyers' six-game winning streak, take top spot in East
Nov 7, 2010, 8:00 PM ESTComments Off
Rookie goalie Sergei Bobrovsky did a heck of a job merely getting the Philadelphia Flyers into overtime, but eventually the high-powered Washington Capitals' power play was too much for him. Mike Green scored a power-play goal in overtime to give the Capitals the win, powering them to a narrow lead over the Flyers for the…
Ride the Zamboni (late edition) – Friday, November 5th
Nov 6, 2010, 9:00 AM ESTComments Off
Looking for your recap of the last two games from last night? Hop on the Zamboni and we'll go for a ride around the league.
Ride on the Zamboni – Friday, November 5th
Nov 5, 2010, 11:35 PM ESTComments Off
Looking for your recap of tonight's NHL action? Hop on the Zamboni and we'll go for a ride around the league.
Late games recap for November 3rd
Nov 4, 2010, 9:00 AM EST
For recaps of the night's other six games, click here. Detroit 2, Calgary 1 This finishes the Calgary Flames' five-game home stand (apparently their longest of the season) at 2-3. That being said, the Red Wings almost had to win this one, as they out-shot the Flames 33-17. Miikka Kiprusoff deserved better in this one,…
Nightly recap – November 3rd
Nov 3, 2010, 11:40 PM ESTComments Off
There are three late games (Detroit-Calgary, Nashville-Phoenix and Tampa Bay-Phoenix) that we'll recap tomorrow morning. In the mean time, enjoy summaries of the six other games of the night. Carolina 7, NY Islanders 2 The Islanders might want to hand the reins to Dwayne Roloson for a little while. That's because Rick DiPietro allowed seven…
Nightly recap – Monday, November 1
Nov 2, 2010, 1:34 AM EST
Summaries of tonight's three-game slate, highlighted by a new low for the New Jersey Devils.
Devils squeeze out much-needed win against Ducks 2-1
Oct 30, 2010, 9:00 AM ESTComments Off
The New Jersey Devils haven't been themselves this year, but for at least one night, they played like the Devils of old. They won a low-scoring, low-shot game over the Anaheim Ducks last night, in one of those contests that someone had to win. New Jersey 2, Anaheim 1 This outcome basically brings the Ducks…
Nightly recap – Friday, October 29
Oct 29, 2010, 11:50 PM ESTComments Off
We'll recap the desperate late game between the ailing New Jersey Devils and the struggling Anaheim Ducks tomorrow morning or afternoon. In the mean time, here's a summary of the five other games on the NHL slate tonight. Montreal 3, NY Islanders 1 Alex Auld proved that he's one of the better backups in the…
Recap: Canucks edge Avalanche 4-3 in OT
Oct 27, 2010, 11:45 AM ESTComments Off
We covered most of last night's action in this recap, but just in case you're wondering what happened in Tuesday's latest game, here's a summary of the Vancouver Canucks-Colorado Avalanche game. Vancouver 4, Colorado 3 (OT) The biggest impact from this game might just have happened before the first puck even dropped. That's because Avalanche…
Nightly Recap – Tuesday, October 26
Oct 27, 2010, 12:02 AM ESTComments Off
Note: We'll get you up to speed on the late Colorado-Vancouver game tomorrow morning or afternoon. Toronto 3, Florida 1 Colton Orr normally does damage with his hands, but tonight, he scored a game-winner for the Maple Leafs. This was a pretty bland night overall on paper, with J.S. Giguere cruising to his fourth win…
Ilya Kovalchuk scores in return, but Devils fall to Rangers 3-1
Oct 24, 2010, 10:23 PM ESTComments Off
NY Rangers 3, New Jersey 1 It was pretty hard to blame the Devils' woes on Ilya Kovalchuk after the team was bludgeoned 6-1 by the Buffalo Sabres in his absence. You cannot really point to him for this loss, either, as Kovalchuk was the only New Jersey player to pierce Rangers goalie Henrik Lundqvist…
Anders Lindback helps Predators withstand late Lightning surge to take NHL points lead
Oct 24, 2010, 9:12 PM ESTComments Off
For at least one night, the Nashville Predators sit atop the NHL's standings with 13 points. They're also the only team without a regulation loss, although two quick third period goals from Tampa Bay made Anders Lindback & Co. sweat it out.
A night of hat tricks: Recaps for Friday, October 22
Oct 22, 2010, 11:55 PM EST
Note: We'll take a look at the Vancouver Canucks – Minnesota Wild game tomorrow morning. Gosh, St. Louis Blues and Chicago Blackhawks … you couldn't provide another hat trick performance tonight? Rebels. Anyway, let's recap four of Friday's five games. Calgary 6, Columbus 2 Rene Bourque was one of the three players who scored a…
Los Angeles edges Carolina 4-3
Oct 21, 2010, 12:18 PM ESTComments Off
For a summary of last night's other three games, click here. Los Angeles 4, Carolina 3 For the Kings, the success of this game might be measured more by something out of their control than the two points they put on their overall record. That's because, if you haven't heard it already, their skilled defenseman…
Nightly recap – Wednesday, October 20
Oct 21, 2010, 12:31 AM ESTComments Off
Note: We'll take a look at the late game between the Carolina Hurricanes and Los Angeles Kings tomorrow morning or early that afternoon. In the mean time, let's take a gander at the three games that finished at a more reasonable time for non-West Coasters. Buffalo 4, Atlanta 1 After a discouraging five-game losing streak,…
Nightly recap – Monday, October 18
Oct 19, 2010, 12:19 AM ESTComments Off
Tonight was a night in which individual hot streaks continued while team-based winning streaks hit a few walls. Let's take a look at the five contests. Pittsburgh 5, Ottawa 2 It's hard to ignore Brent Johnson's hot start to at this point, as he improved his record to 4-0 on the season. Of course, the…
Late games recaps – October 16
Oct 17, 2010, 1:10 PM ESTComments Off
We covered a ton (OK, just 10) of last night's games, but two of the contests went past our bed times. Let's recap those late Saturday games for your reading enjoyment. Calgary 5, Edmonton 3 For at least one night, Darryl Sutter's off-season additions looked like shrewd moves. Alex Tanguay scored the first goal then…
Nightly recap – October 16
Oct 17, 2010, 12:16 AM EST
We won't be able to cover the two latest games, but there's plenty of hockey to go around with 12 games on the docket tonight. Let's take a look at a busy night in the NHL. Pittsburgh 5, Philadelphia 1 Read all about Brent Johnson and Sidney Crosby's strong night here. Montreal 4, Ottawa 3…
Sidney Crosby, Brent Johnson power Penguins past Flyers; Could there be a goalie controversy in Pittsburgh?
Oct 16, 2010, 9:21 PM EST
Brent Johnson is now 3-0 while established starter Marc-Andre Fleury is 0-3 in this early season. Is it too early to wonder if there might be a goalie controversy in the Pittsburgh Penguins net? Read on for more on that and Sidney Crosby's dominant night.
Nightly recap – October 14
Oct 14, 2010, 11:32 PM ESTComments Off
Let's take a look at the five "earlier" games that took place today. We'll cover the Florida-Calgary contest tomorrow morning. Ottawa 3, Carolina 2 The Senators managed to win this one despite being shaken up by the injury of their starting goalie, Pascal Leclaire. Then again, Ottawa may secretly benefit from Leclaire's departure, as I…
Martin Brodeur wins goalie duel with Ryan Miller as Devils top Sabres 1-0 in OT
Oct 13, 2010, 10:24 PM EST
Both Martin Brodeur and Ryan Miller were going through some rare struggles as they went into tonight's game in Buffalo. Each goalie played a strong game, but Brodeur ended up with the win – and his 111th career shutout – as the New Jersey Devils finally notched a "W." The Devils and Sabres now share…
Regular season recaps – October 11
Oct 12, 2010, 12:08 AM ESTComments Off
Note: We'll cover the late Florida-Vancouver game tomorrow morning. New York Islanders 6, New York Rangers 4 The Rangers took a 4-3 lead late in the third period but the Islanders came storming back. Their resurgence was a little misleading because one of those goals was an empty-netter, but it was still a pretty impressive…
Top Posts
- On the odds of fighting back after Thanksgiving 5
- Why are the Oilers still bad? Look at their drafting 16
- The Leafs are worth almost seven times the Panthers, says Forbes 14
- Isles make some history; Are the Flyers headed for trouble? 41
- Crosby, Malkin power Penguins, help Fleury grab 300th win 5
- Sooner than later? Bruins GM hopes Chara can return in 10-14 days 1
- With worst save percentage in NHL, Oilers fire goalie coach 22
- Pat Quinn, 'one of hockey's most respected individuals,' has died 14
- NHL on NBCSN: Bruins seek perfect game vs. Penguins 8
- Legendary hockey coach Viktor Tikhonov has died 15
Featured video
Most Commented
- Video: Milan Lucic calls Dalton Prout one-punch 'gutless' (99)
- Prout drops Lucic: 'As far as I was concerned we were engaged in a fight' (88)
- The Leafs didn't salute their fans last night, so that's a thing now (79)
- Jack Johnson filed for bankruptcy, parents allegedly took advantage of him (58)
- After Voynov suspension, Lombardi wonders if teams need a 'cushion' in case a player is a 'bank robber, kleptomaniac' (51)
- P. Datsyuk (2688)
- V. Hedman (2611)
- P. Sharp (2506)
- S. Crosby (2270)
- B. Marchand (2153)
- Z. Chara (1989)
- D. Krejci (1945)
- B. Dubinsky (1824)
- S. Varlamov (1612)
- P. Dupuis (1566)


text:
429 Apartments for Rent in Boston Metro, NH
Westminster LOFTS
Featured Property Amenity
- Providence, RI
- Work 1-866-927-8870
- 41.822915 -71.413172
Avalon Station 250
Featured Property Amenity
- Dedham, MA
- Work 1-866-927-6756
- 42.2279316 -71.1755425
AVA Back Bay
Featured Property Amenity
- Boston, MA
- Work 1-866-328-1190
- 42.34811 -71.080427
Johnston, RI 02919
Lofts at Pocasset Mill
- 92 Luxurious Mill Apts, One & Two Bedroom
- State-of-the-art Theatre Room
- On-site Fitness Center and Indoor Basketball Court
- Pet Friendly (Call for Details)
- In-unit Washer and Dryer
- One Month Free on new 13 Month Lease(select units)
The Lofts at Pocasset Mill offers one and two bedroom apartments for rent in Johnston, RI. Located just minutes outside of Providence off Route 6 or Route 295, Johnston, Rhode Island, is just minutes away from the city and all that Providence has to offer. Pocasset Street is less than a half mile to RIPTA (RI Public Transit Authority) #19 Plainfield stop to Kennedy Center and makes for easy commuting for those who want to leave the car at home.
Nashua, NH 03060
Hampshire Heights
- Heat and Hot Water Included
- Dishwasher, garbage disposal and AC
- Recently renovated units
- Secure entry
- New state of the art fire alarm system
- Close to Massachusetts state line
ALL OUR UNIT PRICINGS INCLUDE HEAT AND HOT WATER!! SO CALL TODAY!!! Come see our newly remodeled units. We are adjacent to 24 hour convience store, with easy access to route 3 and within walking distance to restaurants, grocery stores and the Pheasant Lane Mall. We have just two buildings with property manager onsite. We have an outdoor pool, parking for two cars and laundry rooms in each building. Most units have dinning rooms. All rents include heat and hot water. Ask about move-in specials.
Cranston, RI 02905
Evergreen Apartments
- On-site laundry facilities
- 24-hour maintenance
- Ample parking
- On bus line
- Short distance to shopping
- Professionally managed
Mansfield, MA 02048
Mansfield Meadows
- Call for our Affordable Rental Rates
- Easy Access to Routes 495,95,24, & 106
- Minutes to Commuter Rail Service
- All voucher holders welcome
- Professional On-site Management Team
Mansfield Meadows offers newly renovated one and two bedroom apartment homes featuring fully-equipped kitchens, wall-to-wall carpeting, and balconies. Living at Mansfield Meadows is cost-effective with Heat & Hot Water included!
Leominster, MA 01453
Hilltop Garden
- Newly remodeled
- Fitness center
- Swimming pool
- Cats & Dogs welcome
Minutes away from Highway and Train Station and only 20 minutes away from Devens MA. Short Term leases available.
Concord, NH 03301
Alton Woods
- High Speed Internet/Cable/Satellite
- Fitness Center
- Laundry Facilities in each building
- Pool
- Playground
Alton Woods. One and Two Bedroom Homes with Executive Style. Walk to Steeplegate Mall, grocery stores, shopping and dining. Near I-93, I-89 and 293. 24 Hour maintenance and on site management. Full kitchens, community laundry facility, A/C, high speed internet, cable/satellite, controlled access, clubhouse, fitness center, playground, pool, tennis court, covered parking, guest parking, extra storage, furnished units available, balcony/patio, some utilities included: water, sewage and trash.
Seabrook, NH 03874
Windjammer Apartment Homes
- Full Renovations!
- Stainless Steel Appliances
- Solid-Surface Counters
- Electronic Locks
- On-Site Management
- Great Pricing
Windjammer Apartments offers one and two bedroom apartments in Seabrook, NH. Fully renovated apartment homes feature stunning kitchen and bathroom styling with uncompromising style and appeal. Close to Portsmouth, Manchester, and the New Hampshire Seacoast, Windjammer is the perfect location with a pastoral setting and urban convenience. Close to major colleges and universities.
Framingham, MA 01702
Bayberry Hill Estates Apartments
- Air Conditioning
- Elevator
- Pet Friendly
- Covered Parking
- Garbage Disposal
- Gated Entrance
Spacious apartment homes in a gated community in Framingham MA just 30 minutes from Boston. Balcony patio personal garden area hair salon cat friendly.
Bedford, NH 03110
Briston Manor West
- Free Daily Private Van to Local Shopping
- Daily Gourmet Meals Delivered To Your Door!!
- Clubhouse and Private Cafeteria
- Onsite Property Manager and Activity Cooridnator
- Select Units with Heat and Hot Water Included
- Washer/Dryer in Select Units
Briston Manor West offers one and two bedroom apartment homes for rent in Bedford, NH. This 55+ community is close to major highways, hospitals, public transportation.
North Andover, MA 01845
Royal Crest Estates
- Washers and Dryers
- Free Hot Water
- Carports/Garages
- Basketball Court
- Steam Room/Sauna
- WiFi
Apartments in North Andover MA with breakfast bar and kitchen with pantry. Oak cabinets and floors walk in closets and washer dryer in some apartments. Gated pet friendly community with 3 lighted tennis courts and fully equipped fitness center with sauna and steam room.
Hillsboro, NH 03244
Willow Rock
- Quiet area
- Close to schools
- Parking
- Laundry onsite
- Porch/balcony
- Private entrances
#1 Apartment Community in Hillsboro. Professionally managed by Keystone Management
Coventry, RI 02816
Lofts at Anthony Mill
- Luxury loft apartments
- Granite kitchen and bath countertops
- Stainless steel appliances
- Original reclaimed hardwood flooring
- Expansive windows
- Soaring ceilings
Every apartment home at the Lofts at Anthony Mill is appointed with granite kitchen and bath countertops, stainless steel appliances, original reclaimed hardwood flooring, expansive windows, soaring ceilings, individual heating and central air conditioning systems, in-unit washer and dryer, and brushed nickel lighting fixtures. Fresh designer paint colors complete the package for chic loft style living. This pet-friendly, controlled access building is conveniently located on the RIPTA bus line.
Rowley, MA 01969
Millwood Apartments
- Eat-in Kitchen with Gas Range
- Individually Controlled Heat and Air Conditioning
- Only 30 Minutes from your Boston Office!
- 10 Minutes to Commuter Rail
- Cats Welcome (Call for details)
Two Bedroom Apartments available to rent in Rowley, Massachusetts. We are located only 30 minutes from Boston and 10 minutes from the commuter rail.
Roslindale, MA 02131
Stony Brook Commons
- Heat and Hot Water Included
- Remodeled kitchens with all new appliances
- FREE wireless internet
- Minutes to downtown Boston & The T
- Private patios
- Washer & Dryer hookups
Just down the street is the MBTA station for a quick T ride into Boston.
Chelsea, MA 02150
Anchor's Weigh
- Spectacular Water & Boston Skyline Views
- Closed Circuit TV Monitor & Intercom System
- Jogging and Cycling Trails
- Minutes to Downtown Boston
- Individual Climate Controls
- Generous Closet Space
Anchor's Weigh, located at 300 Commandants Way Chelsea, MA contains 87 apartments consisting of 7 one-bedrooms, 76 two-bedrooms, and 4 three-bedrooms. It is a high rise building situated on eighty-eight acres of waterfront property overlooking the Boston Harbor Waterfront with spectacular water and skyline views.
Waltham, MA 02451
Windsor Village At Waltham
- 24/7 Fitness Center
- Oversized Private Patios
- Shuttle to Alewife T-Stop
- Resident Lounge
- Easy Access to all Major Highways
- On-Site Professional Management
OPEN HOUSE 7 DAYS A WEEK! Call to schedule an appointment TODAY!! Windsor Village provides a unique yet convenient solution to your housing needs. Come see our exquisite townhouse apartments for rent. Our location in Waltham, MA could not be better, with our own shuttle to Alewife T Station, and easy access to Routes 2, 128, 20, and the Mass Pike.
Quincy, MA 02169
Towne House Apartments
- 24 hour maintenance
- Close to public transportation
- Minutes from Boston
- Swimming pool
- Fitness center with sauna
- On-site laundry facilities
Cambridge, MA 02139
808 Memorial
- Free Annual Zipcar Membership!
- 24-hour Emergency Maintenance
- Bicycle Storage
- Community Center
- Controlled-Access Entry
- Fitness Center
808-812 Memorial Drive is a fabulous place to live, play, and enjoy the best of what Cambridge has to offer.
Nashua, NH 03060
Webster Commons
- New Common Areas and Interiors
- Across from Elementary School
- New Black appliances
- New Carpet and Tile Flooring
- Laundry Facilities Onsite
- 1/4 Mile from Route 3 Exit 5A
New renovated 1 & 2 Bedroom Apartments. Spacious floorplans. Oak cabinets, Brushed nickel hardware, New carpet and ceramic tile flooring, Black appliances including gas stove, refrigerator and dishwasher, new ceiling fans and light fixtures, central AC and gas heat. Laundry facilities, ample onsite and visitor parking, 24 hour emergency maintenance, camera protected, cable/internet ready, pet friendly, some utilities included. Convenient to Everett Turnpike, Nashua, and Pheasant Lane Mall.
North Attleboro, MA 02760
Royal Park Apartments & Townhomes
- Newly renovated studios, one and two bedrooms
- Brand new exercise facility
- Complimentary washer and dryer (except studios)
- Complimentary satellite TV
- Outdoor pool
- Walking distance to grocery stores, shops and more
Royal Park Apartments & Townhomes are newly reconstructed, resulting in the most elegantly appointed apartments in southeast Massachusetts. Includes granite counters, imported cabinets, ceiling moldings in living rooms, wood kitchen floors, elegant ceramic tile in kitchens and baths, and much, much more. Must be seen to be appreciated!
Other New England/Greater Boston Apartment Search Options
Top Cities in New England/Greater Boston
- Boston Apartments (45)
- Bristol Apartments (28)
- Manchester Apartments (28)
- Alexandria Apartments (28)
- Providence Apartments (24)
- Nashua (22)
- Newport (20)
- Cambridge (15)
- Middletown (14)
- Worcester (14)
- Quincy (12)
- Lowell (10)
- Thornton (9)
- Malden (9)
- Framingham (9)
- Salem (8)
- Warwick (8)
- Concord (8)
- Dover (8)
- Lawrence (7)
Show fewer top cities Show all top cities
Thank You! Your email has been sent. We appreciate your interest.

subset: commoncrawl


text:
(212): View more from New York
brb k???!! plz don't leave i want 2 tlk bout r rltnshp
Tap Here to view the Mobile Optimized TFLN
brb k???!! plz don't leave i want 2 tlk bout r rltnshp
Everyone just saw your hickey on TV and on the jumbotron at the hockey game.
That's what happens when you let Keystone Light make your decisions.
So did the night end well for you?
I stole a traffic cone and drunk texted my sister because i couldn't think of any other girl to text
I farted on Jack's balls last night. He got pissed and walked away cause he knew it was on purpose. I couldn't hold it in anymore.
I may have a concussion but the symptoms are the same as a hangover so I can't tell. Best 21st ever.
This wouldn't happen so much if fat girls would just stop being so damn easy.
Oh you don't have to buy a shower curtain, I stole the one from her bathroom. It has dolphins on it.
I don't remember because I was drunk out of my mind, but I have it on good authority that weed cinnamon buns at 3 in the morning with chocolate milk are better than sex.
He came over hammered at four in the morning with roses trying to get me back when my new fling opened the door he just stood there crying for 40mins even after we closed the door
rigging a system to keep my jello shots cold in class. important election day work.
Thanks for the hickies, asshole. I make my living as a fitness instructor. It's gonna look reeeeeeal weird if I have to wear a scarf while teaching Zumba all week.
I'm not even mad. I was just trying to get a boner, you're the one that had to see that
By the way I got my period today. No NHL babies for me.
oh my god I have a fantastic druncle story to tell you. It involves a burrito, a meltdown and a bear
The burrito and meltdown are standard, but I'm intrigued by the bear


text:
- Double panna! Leverkusen's Karim Bellarabi nutmegged 2 players with 1 pass [Official Video]
- Liverpool's Steven Gerrard & Martin Skrtel won 0% of their tackles in 3-1 loss to Crystal Palace
- Arsenal are 11/2 to beat Borussia Dortmund in the Champions League!!!!
- Stephanie Roche tries to recreate THAT Puskas nominated goal on French TV [Video]
- Bayern Munich are 4/1 to beat Manchester City in the Champions League!!!!
Liverpool make a €14m bid for Schalke's Papadopoulos, CB has €22.5m buy-out clause [Bild]
A throwaway line at the end of an article in German paper Bild has raised the hopes of Liverpool fans that they are close to signing Schalke's prized Greek defender Kyriakos Papadopoulos.
Papadopoulos, who is currently injured with knee problems, had been a target for Liverpool for some time now (if the papers are to be believed), and Bild have now reported that the Anfielders have made a €14m offer for the Schalke centre-half.
Bild, who fail to mention whether Liverpool's bid has been accepted by Schalke, go on to state that Papadopoulos has €22.5m buy-out clause whilst "several English clubs" are interested in the Greek international.
Liverpool are on the lookout for a new long-term centre-half after Jamie Carragher hung up his boots at the end of last season.
Whilst the Merseysiders have brought in Kolo Toure this summer, and the Reds still have Daniel Agger and Martin Srtkel on their books too, widespread opinion is that Papadopoulos would be welcomed at Anfield should the Reds manage to get the deal done.
Papadopoulos is known for having a fouling streak to his game, however the defender is nevertheless one of best in the Bundesliga according to Opta. Papa, as he is often called, has scored the joint-highest number of goals (3), has the second-highest tackle-success rate (84.83%), made the most clearances-per-game (6.51) and the most interceptions-per-game (3.77), with only his passing figures letting him down.
- Updated: July 18, 2013


text:
Dr. Horacio M. Agueros, MD
Family Medicine, Clinica Siete
- 2609 E 7th St
Austin, TX 78702
- 1 Office Location
- (512) 474-6836
Dr. Horacio M. Agueros has been practicing medicine for 19 years. Dr. Agueros graduated from the University of Texas Medical Branch at Galveston in 1995. He practices medicine in Austin, TX and specializes in Family Medicine. Dr. Agueros is affiliated with Saint Davids Medical Center. He speaks English and Spanish.
Gender: Male
Years in Practice: 19 Years
Languages Spoken: English, Spanish
Medical School: University of Texas Medical Branch at Galveston
Graduation Date: 1995
Hospital Affiliations: Saint Davids Medical Center
Specialties: Family Medicine


text:
Therapists: 1 to 20
Refine Your Search
- Academic Underachievement
- Addiction
- Adoption
- Alcohol Abuse
- Alzheimer's
- Anger Management
- Antisocial Personality
- Anxiety
- Asperger's Syndrome
- Autism
- Behavioral Issues
- Bipolar Disorder
- Borderline Personality
- Career Counseling
- Child or Adolescent
- Chronic Impulsivity
- Chronic Pain
- Chronic Relapse
- Codependency
- Coping Skills
- Depression
- Developmental Disorders
- Divorce
- Domestic Abuse
- Domestic Violence
- Drug Abuse
- Dual Diagnosis
- Eating Disorders
- Emotional Disturbance
- Entitlement
- Family Conflict
- Gambling
- Grief
- Infertility
- Infidelity
- Internet Addiction
- Learning Disabilities
- Life Coaching
- Medical Detox
- Medication Management
- Mental Retardation
- Narcissistic Personality
- Obesity
- Obsessive-Compulsive (OCD)
- Oppositional Defiance
- Parenting
- Peer Relationships
- Relationship Issues
- Self Esteem
- Self-Harming
- Sex Therapy
- Sexual Abuse
- Sexual Addiction
- Sleep or Insomnia
- Spirituality
- Substance Abuse
- Suicidal Ideation
- Teen Violence
- Testing and Evaluation
- Trauma and PTSD
- Traumatic Brain Injury
- Video Game Addiction
- Weight Loss
Common Issues:
Mental Health:
- Dissociative Disorders
- Elderly Persons Disorders
- Impulse Control Disorders
- Mood Disorders
- Personality Disorders
- Psychosis
- Thinking Disorders
- Toddlers / Preschoolers (0 to 6)
- Children (6 to 10)
- Preteens / Tweens (11 to 13)
- Adolescents / Teenagers (14 to 19)
- Adults
- Elders (65+)
- African-American
- Asian
- Hispanic and Latino
- Native American
- Other Racial or Ethnic Background
- Pacific Islander
Alternative Languages:
- Arabic
- Armenian
- Bosnian
- Cantonese
- Croatian
- Farsi
- Filipino
- French
- German
- Greek
- Gujarati
- Hebrew
- Hindi
- Italian
- Japanese
- Korean
- Mandarin
- Polish
- Portuguese
- Punjabi
- Romanian
- Russian
- Serbian
- Singales
- Spanish
- Swedish
- Turkish
- Ukrainian
- Urdu
- Vietnamese
- Yiddish
Religious Orientation:
Gender Issues:
- Aviation Professionals
- Bisexual Clients
- Cancer
- Gay Clients
- HIV / AIDS Clients
- Heterosexual Clients
- Lesbian Clients
- Transsexual Clients
- Veterans
Treatment Orientation:
- Art Therapy
- Attachment-based
- Coaching
- Cognitive Behavioral (CBT)
- Dialectical (DBT)
- Eclectic
- Emotionally Focused
- Existential
- Expressive Arts
- Family / Marital
- Family Systems
- Forensic Psychology
- Gestalt
- Gottman Method
- Humanistic
- Hypnotherapy
- Imago
- Integrative
- Interpersonal
- Intervention
- Jungian
- Mindfulness-based (MBCT)
- Motivational Interviewing
- Narrative
- Neuro-Linguistic
- Neurofeedback
- Play Therapy
- Psychoanalytic
- Psychodynamic
- Psychological Testing and Evaluation
- Relational
- Sand Play
- Solution Focused Brief (SFBT)
- Somatic
- Transpersonal
- Trauma Focused
Video Enabled:
Accepted Insurance Plans:
Accepted Payment Methods:
Broaden Your Search
See Nearest
Therapists in 20814
Verified by Psychology Today
Daryl Ellen Gincherman
Counselor, LGPC, MS
"Many people feel like their thoughts and feelings aren't valued or respected by others. Do you struggle with low self-esteem or find it hard to feel "heard" by partners, friends, co-workers, teachers or family members? Do you find that you question yourself in the face of criticism or other's opinions of your thoughts, actions or life decisions? Do you find it hard to assert yourself in the face of potential rejection or conflict? Do you often feel anxious or depressed after challenging interactions with others?
(240) 696-7601
Verified by Psychology Today
Patricia T Spangler
Psychologist, PhD, MA
"Are you struggling with memories of a traumatic event, anxiety, low mood, irritability, hyper-alertness, sleeplessness, or bad dreams? After a trauma, some people have trouble re-engaging with their lives and their loved ones. When the world just doesn't seem to make sense any more, it can be hard to reach out. Recovering from trauma can be challenging, but there are therapeutic techniques that can help. Finding the right approach and the right therapist are essential not only to alleviating trauma-related symptoms, but also to helping you reconnect with family, friends, work, and life.
(301) 637-8424
Verified by Psychology Today
Barbara Blitzer
Clinical Social Work/Therapist, MSW, LCSW-C
"I work with most issues that would bring a person to therapy including depression, anxiety, and life transitions. I have special expertise in working with people who worry too much, who have low self esteem or who lack self confidence I believe this can be overcome. I integrate talk therapy with mind body, meditative, energy approaches (EFT, tapping therapy), and problem solving. I am an active, solution oriented therapist who believes that in addition to being listened to, people profit from learning specific techniques that will help them make the changes they want.
(301) 852-6123
Verified by Psychology Today
Danielle Rosenblatt
Counselor, LCPC
"I am an empathetic and encouraging therapist committed to helping people overcome mental health issues that stand in the way of happiness and life satisfaction. As a Licensed Counselor I specialize in Treatment for Anxiety & Depression, Women's Issues, Multicultural Issues, Life Transitions, Obesity, Emotional barriers to weight loss and healthful living. I also enjoy working men & women coping with ups and downs of life, looking to improve relationships, self-esteem, or simply seeking a better quality of life. I believe that therapy should be a rewarding and self-empowering process, and guide the therapy to serve the unique needs & preferences of each client.
(484) 494-2638
Verified by Psychology Today
Catherine Bernard
Psychologist, PhD
"Individuals can get stuck and couples often bicker over seemingly small stuff. The easy solutions don't work. Why? In many cases, those petty problems are tethered to larger meanings for the individuals. The real solutions need to address these deeper issues. I provide a place where individuals and couples can safely explore and clarify -- what's really going on here? With both individuals and couples, I encourage people to look inward -- how am I contributing to this impasse? How is this related to my history? And importantly, what can we do about it now?
(301) 246-2969
Verified by Psychology Today
Erika L Bond
Marriage & Family Therapist, MA, LCMFT
"Are you feeling stuck in your relationship with your partner or with your life in general? Everyone experiences times in their lives where the solutions that have worked in the past no longer seem to work. It takes courage and wisdom to seek help. I offer an authentic, dynamic and compassionate approach to psychotherapy for adults, couples, and families.
(240) 284-5048
Verified by Psychology Today
Diane Gilman
Psychologist, PsyD
"Are you experiencing chronic illness or pain? Do you tend to feel stress, anxiety, and depression emotionally AND physically? My practice focuses on treating both the mind and the body using a caring, holistic approach. I have over 10 years of experience working with adults, teens, children, couples, and families experiencing illness/pain, anxiety, phobias, OCD, depression, eating disorders, difficulty with life transitions and relationships, and weight loss and smoking struggles. I empower my clients in a safe environment by teaching them real-life techniques, helping them to get better faster and conquer their symptoms once and for all!
(301) 861-0668
Verified by Psychology Today
Devon C King
Psychologist, PhD
"I have tremendous respect for people who make the difficult decision to enter in to psychotherapy. I work collaboratively with older children, adolescents, and adults, in individual, couples, and family therapy. My goal is to explore collaboratively the troubles that have led them to seek treatment at this time. I try to provide a safe, non-judgemental environment, where one can develop insight to better understand and ultimately change behavioral and relational patterns that get in the way of happiness and fulfillment. I have extensive experience working with depression, anxiety, and trauma, as well as relationship difficulties and life transitions.
(202) 340-3612
Verified by Psychology Today
Barbara E. Morris
"For over 20 years, I have been dedicated to providing care to people who have eating disorders, weight problems, depression, anxiety, and relationship struggles. My style is warm and interactive, as I help people to reach their goals and change their lives. I integrate many therapeutic techniques into my work, so that each person receives thoughtful care which is tailored to her unique needs. I help my patients to develop a deeper understanding of themselves. But our work doesn't stop there. I believe that successful psychotherapy uses self-awareness as a springboard to achieving concrete behavior change.
(301) 654-9354
Verified by Psychology Today
Amy B Livingood
Psychologist, PhD
"In addition to working with adults, I focus on treating children and adolescents who are dealing with anxiety and depression in ways that intefere with their school, family life, and friendships. I deal with school-related areas involving learning problems, behavioral issues and attention deficits. I also treat adults facing the challenges of parenting and help children and adolescents navigate the stresses dealing with separation and divorce of their parents. As a pediatric psychologist, I deal with psychological issues related to physical illness, and in particular, offer help for children and adolescents dealing with the illness or death of a parent.
(301) 852-6194
Verified by Psychology Today
Len Guedalia
Psychologist, Phd
"Individuals, families and couples realize, at some time, they need assistance to effectively deal with overwhelming life events, strained relationships, loss, anger, and life transitions. For over 20 years I have successfully helped people break self-defeating, unfulfilling patterns of relating and behaving so they can experience more joy, happiness and success in their personal and professional lives. I use a blend of psychodynamic, cognitive, behavioral and family systems therapy. My clients find me to be a very direct, open and engaging therapist, who provides safe space for even the most difficult issues and conflicts to be addressed and resolved.
(301) 852-7268
Verified by Psychology Today
Roxanna Whitney Wolfe
Psychologist, BSN, PsyD
"As a trauma disorders psychologist, I help traumatized persons deal with the past and move into the future with hope. Additionally, I perform comprehensive evaluations, aiming to identify learning disabilites and neuropsychological interference, in order to support student's interests and passions. Our team, the Bethesda Group, offers a comprehensive range of services, including psychotherapy for children, adolescents, and adults. Also, we provide couples therapy, parent training and consultation, and group psychotherapy for DBT skills training. Additional services encompass psychological testing, including admissions testing, psychoeducational and neuropsychological evaluation. We also offer offer home- and school-based assessment and intervention services.
(240) 813-9110 x1
Verified by Psychology Today
Jacqueline Cilento
Counselor, MA, LCPC
"Parental concerns? Anxious? Unhappy? Relationship/ family conflicts? I can help. We all need support, validation, and genuine empathy. If you are looking for empowerment to create a life filled with meaning and purpose, look no further. I am a licensed clinical professional counselor in the state of Maryland with over 7 years of experience working as a psychotherapist and a diagnostic assessment specialist. I have completed half of my coursework in the doctoral program in educational psychology from the American School of Psychology at Argosy University. I have helped adults, families, children, and adolescents of diverse backgrounds and concerns.
(240) 348-5008
Verified by Psychology Today
Jessica D. Kramer
Counselor, LCPC, NCC, BCC
"My strength is that I am very good at making people feel better. That is what psychotherapy should be - looking at destructive patterns, identifying physical symptoms of stress, resolving conflicts that seem to keep coming back over and over and most of all, feeling better. I work well with people who are motivated to start living a life where they are feeling good and not just getting by. If you want more extensive information on my practice, please visit www.JessicaDKramer.com .
(301) 654-1583
Verified by Psychology Today
Kamal Wright-Cunningham
Counselor, PhD, NCC, LCPC
"Dr. Kamal Wright-Cunningham is an interactive, solution-focused therapist who offers a safe, nonjudgmental and nourishing environment in which clients can heal and grow. Kamal is supportive and committed to helping his clients take charge of their life and successfully negotiate the challenges that they face! Kamal works with individuals, couples, families and groups. By addressing these issues early with evidence-based interventions, clients experience a transition into a healthier adulthood.Additionally, Kamal has a significant amount of experience working with court-connected clients and adolescents who have a history of truancy and academic struggles.
(301) 259-3782
Verified by Psychology Today
Andrea Bonior
Psychologist, PhD
"The prospect of seeking therapy can be intimidating for anyone, and I take this to heart. My goal is to create a space that feels safe for you, so as to provide you a forum to experience and express your emotions. In doing so, we can work together to gain understanding into how these feelings, along with your thoughts and behaviors, are serving to influence your life in both positive and negative ways. In psychotherapy sessions, I utilize a collaborative approach full of warmth, gentle but firm guidance, sound and current science, and (yes! It's allowed!) even humor.
(240) 392-1669
Verified by Psychology Today
Kirsten Jimerson
Marriage & Family Therapist, MS, LCMFT
"Guiding couples, families, and individuals to greater happiness, satisfaction, and fulfillment is the objective of every therapy session. Our sessions will address the challenges and conflicts that make your life difficult and stressful. As a ready, compassionate listener, I have a gift for helping clients to shed new light on their experiences and problems.
(202) 618-3047
Verified by Psychology Today
Gioia M Guerrieri
Psychiatrist, DO
"Dr. Guerrieri is a physician, researcher, educator, and writer. She has a specialty in psychiatry and a sub-specialty in behavioral endocrinology (Women's Mental Health). Dr. Guerrieri received her medical education at the University of New England College of Osteopathic Medicine. She attended Mayo Clinic for internship and Residency and moved to the DC Metro area for fellowship at the National Institutes of Health (NIH) in 2011. In addition to her private practice, she is a member of the Section of Behavioral Endocrinology at the NIH.
(240) 392-6095
Verified by Psychology Today
Jessie Vinik
Counselor, MS, LCPC
"Are you experiencing relationship challenges, stress, or loss? Feeling worried, stuck, or unmotivated? Together we can find solutions to issues that are barriers to your fulfillment and happiness. I enjoy working with tweens, teens and adults, helping them cope with challenges, such as anxiety, depression, grief, and difficult life transitions. One of my clinical specialties is helping adolescents successfully navigate through times of adjustment by empowering them with skills to improve self esteem, coping abilities, and communication.
(240) 205-7539
Verified by Psychology Today
Anissa Maroof
Psychiatrist, MD
"If you are struggling with anxiety, insomnia, and/or substance abuse, then I am here to help. If your mood symptoms led to alcohol and/or drug use, or vice versa, there is a solution. If you are seeking someone to help with your chronic pain with non-narcotic medications, then you found her. I diagnose and treat all anxiety disorders, mood disorders, substance use disorders, ADHD, insomnia, and chronic pain. If you are serious about treatment with medication and/or psychotherapy, then please contact me. I am here to help.
(301) 684-5060
Not enough Therapists in Montgomery County, Maryland (MD), 20814 to choose from?
Try expanding your search for Therapists in 20814 to a larger area (e.g. click the plus sign or 20814+ .)
How can I tell if a therapist is right for me?
Therapists in 20814 have broad skills and are able to work with a wide range of issues.
For example, if you're seeking a marriage counselor in 20814 you'll find that most therapists are trained in marriage counseling or couples counseling in 20814 and couples therapy. And they welcome families for family counseling in 20814 or family therapy in 20814.
How to find a specialist?
If you're looking for specialist counseling in Montgomery County, Maryland 20814, such as a child psychologist or sex therapist, try to refine your search with our left nav bar.
What method of therapy is right for me?
When it comes to treatment methods, there's no "right way". A couples counselor or a family counselor may use different treatment methods depending on the one that works best for you.
How to use my insurance?
Many therapists accept health insurance. Check to see if your insurance is covered. Feel free to discuss this when you contact the therapist.


text:
Personalized Golf Legends Mug
"Face Plant Here" Decorative Throw Pillow
Corkcicle Classic Wine Chiller
Areaware Magnetic Bottle Opener
"I Like to be Tossed." Decorative Throw Pillow
"Dream Big" Decorative Throw Pillow
Six Photo Collage 11 oz. Photo Mug
Custom Prescription Coffee Mug
Antler Bottle Opener design by Two's Company
Rob Ryan Hello Egg Set of Egg Cups
Superman Caped Knee High Socks
Regal Crested Cognac Brandy Glass
Owl Be There Beer Bottle Opener
Personalized Secret Message Wallet Bottle Opener
"Hug Me" Decorative Throw Pillow
CoffeeSock ReUsable Organic Cotton Coffee Filter - Travel Style
"Who Needs a Shrink" Decorative Throw Pillow
"Zzz..." Decorative Throw Pillow
Dimple Replacement Chilling Cones for Dimple Glassware
Good Luck Stones
Corkcicle.AIR Wine Chiller
Man-Sized Shot Glass Chillers Set
Quaffer Shot Glass Set
2-Piece Soup and Sandwich Set


text:
Sign in
Sign Up
lowest rate guarantee
No. 170, Nanjing Road(West)
700 Chang Shou Road
55 Huan Long Road, Pudong
200 South Shanxi Road
No 3-7, Xujiahui Road
Great reasons to book with Agoda
Over 500,000 hotels worldwide – more added every day
Trusted by over 17,000,000 satisfied customers
Best Price Guarantee
9 million+ hotel reviews by Agoda customers
With availability in over 55,000 cities worldwide
agoda special offers
including last minute offers(even same day!)free nightsfree upgrades!
Customer Support
Good service, Good location for...
0.02 Km.
The position is perfect, the...
0.15 Km.
0.24 Km.
0.25 Km.
Excellent Location, Reasonable...
0.26 Km.
0.32 Km.
Good location, easy Metro access,...
0.38 Km.
We have booked this hotel thought...
0.42 Km.
0.44 Km.
propaganda, outside decoration,...
0.49 Km.
0.51 Km.
Space, non smoking room, helpful...
Accessible to subway, convenient...
0.52 Km.
Secure, close to shopping area,...
0.53 Km.
0.6 Km.
4.5 / 5
over 80,000 reviews
of users recommend us
Go To Top
All material herein © 2005 – 2014 Agoda Company Pte. Ltd., All Rights Reserved.
AGODA ® is a registered trademark of AGIP LLC, used under license by Agoda Company Pte. Ltd. Agoda is part of


text: 500 pts I Can Has Cheezburger Trivia <KORD VIP Finish the caption of the photo, "Oh, you ran a marathon? How heavy was the ____?" Click here for the answer. Sign in to Participate Category: Trivia Ends: Tuesday November 20 at 8:59PM PST Visit our sponsor: Click here for the answer. Share on Facebook Share on Twitter More Leave a comment Send to a friend! Print this page Pin it! Reddit This! Share on Tumblr! More Ways To Get and Use Points Live in Hawaii or NYC?What Do You Cook Day Before?Play Battle of the Sexes!Newsletter Bonus Word for Thanksgiving WeekBest Thanksgiving Food?Thanksgiving Indians


text:
Jacqueline Valdizon
I'm a Daydreamer/Star Gazer<3
Canon EOS 6D
Canon EOS Rebel T3i
Canon EF-S 18-55mm IS II
Canon EF 50mm f/1.4 USM
Canon EF 40mm f/2.8 STM Lens
Canon EF-S 55-250mm f/4.0-5.6 IS II
Zeikos ZE Fisheye lens
Induro Alloy 8M AT213 Tripod w/Induro BHD0 Ballhead
Find me at: http://digitalcloudphotography.blogspot.com
No stories
No collections
Oh noes!
This person hasn't contributed any stories yet.
Enter "Numbers and Letters"!
Latest Photo Links
Canadian Photographer Captures Wanderlust In...
399 Views » 0 Comments » 1 Vote
AI-AP | DART » Finding a Story: Jacobia Dahm
744 Views » 0 Comments » 0 Votes
Digital Cameras And Post Production | Fine Art...
605 Views » 1 Comment » 0 Votes
Q: Why am I not given the option to nominate a person for member of the week?
A: Do you know?
Latest Photo News
- Copyright, Fair Use & Orphan Works: Legal Conundrums in the Use & Misappropriation of Photographs and Visual Images
- Photography & the Law - Beyonce' and Beyond: A Roundup of Recent Legal Issues
- Exposure! Enter Today!
- Expose Yourself!
- A Millions Little Pictures: Analog


text:
Sanogo on target as Gunners qualify for knockout phase
Arsenal put their recent troubles behind them to beat Borussia Dortmund 2-0 at the Emirates Stadium and qualify for the knockout stages of the Champions League with a match to spare.
Jurgen Klopp looked comfortable at Arsenal and Alexis Sanchez isn't slowing down: Five things we learnt at Emirates Stadium
Arsenal qualified for the knockout stages of the Champions League for the 15th successive season when they ended Borussia Dortmund's 100 percent record in Group D with a 2-0 win at the Emirates Stadium on Wednesday.
Liverpool still on course to qualify despite surrendering late lead
Liverpool's Champions League hopes remain alive after their first goals in the competition since mid-September but a late Ludogorets equaliser saw them leave Bulgaria disappointed.
Related Articles
Published: 21 March 2013
Upon becoming Director General of the BBC in 2000, Greg Dyke vowed to change the organisation and "cut the crap".
The Football Association have been warned. The man who once took on the Government over the fallout from the Iraq war is not someone to be trifled with.
It is nine years now since he departed the Corporation amid the controversy over the infamous sexed-up dossier. Dyke was forced to resign after strong criticism over the BBC's editorial and management procedures were found to be "defective" by the Hutton Inquiry. Today, when it was announced he will become the FA's new chairman in succession to David Bernstein, marks quite a turnaround in his fortunes.
Despite the media storm at the time, Dyke remained popular among staff under his guidance — some organised protests and even paid for a full-page advert in the Daily Telegraph defending their former boss.
But there must have been doubts as to whether he would return to the kind of prominence he will receive when he takes up his new job on July 13.
In the intervening period, Dyke has been relatively low profile, even becoming Chancellor of York University — a role which today saw him bound for a flight to Beijing and therefore unavailable for interview.
He is unlikely to speak publicly about the position until his nomination is approved by the FA Council next month, even though that is surely a formality.
Dyke could be forgiven for needing time to compose himself. It is understood Dyke was only formally approached this week as a possible successor to Bernstein, who steps down in July after losing a vote to change a rule that stipulates FA chairman must retire at 70.
Dyke must leave his role as non-executive director at Brentford and succeed an individual who has proved very popular during his two-and-a-half year tenure.
Dyke has a track record as a likeable and approachable leader in a career that has included key roles at the BBC, Channel 4, London Weekend Television and Channel 5.
But what the FA need is someone with a clear vision of how to govern English football and rise above the vested interests which so often dilute its effectiveness.
As an avid football fan with experience of boardroom machinations at Brentford and as a director of Manchester United in the late nineties, Dyke's views on the game are well-sourced.
In an FA statement this morning, he was quick to outline his priorities. "I am very excited to take on this role," he said. "At the grass roots seven million people play football every weekend, women's football is booming and the ambition is for it to be the second biggest team participation sport in England behind only the men's game, we have the best known, most successful league in the world with the Premier League and the Football League is so much stronger than it was eight years or nine ago.
"Having said that I am a big supporter of financial fair play which, in both the Premier League and the Football League, will have a big impact and, hopefully, bring a degree of financial sanity to the professional game. I do see one of the most important tasks for The FA are, over time, to make thoughtful changes which will benefit the England team. The FA have made a great start by rebuilding Wembley and developing great facilities at St. George's Park but it is essential that the FA find a way to ensure that more talented young English footballers are given their chance in the professional game at the highest level."
Dyke does not have much time. He turns 66 in May and the rule that did for Bernstein still exists, meaning the FA will not have one chairman in place for a full World Cup cycle up until 2018.
Quite what he will make of the questionable administrative records of FIFA and UEFA is another matter, too. But his support of financial fair play is genuine and deep rooted.
As managing director of LWT in 1990, Dyke saw the potential of live football and helped set up a meeting with the biggest five clubs in England at the time — United, Arsenal, Tottenham, Liverpool and Everton — to begin talks that would ultimately lead to the formation of the Premier League.
Reflecting on that time in an interview from January this year, he said: "I remember the five clubs decided they would only break away if they could get the FA onside. The FA so hated the Football League they were just happy to shaft them.
"It was ridiculous; they could have had anything — a league of 16 clubs, players released for England, a quota of English players . . . I'm surprised the FA haven't tried to assert itself since a bit, but there are moments and — like the RFU when rugby became professional – they missed theirs."
The FA have gradually ceded power to the Premier League ever since and as the organisation celebrate their 150th anniversary this year, they face an ongoing challenge to position themselves as a powerful authority at home and abroad.
Plenty of "crap" to cut out, then.
Top stories in Sport
Sport in Pictures
Top stories in Sport
- Police appeal as engineer fights for life two months after hit-and-run
- Two Brits die in Amsterdam after 'accidentally snorting white heroin'
- Thousands march through London in protest over Ferguson shooting
- British jihadi who skipped bail to fight for Isis in Syria pictured holding a gun and his 'newborn son'
- Australia batsman Phillip Hughes dies aged 25 two days after being hit in head by ball
- Ferguson riots: President Obama calls for calm as violence and looting erupts over police killing of teenager Michael Brown
- David Mellor 'swore at London taxi driver in foul-mouthed tirade over taking the best route'
- TfL chief calls for calm in 'highly emotional' cycle route debate
- Food writer Jack Monroe sparks outrage for suggesting David Cameron should quit 'for using dead son as an excuse to privatise the NHS'
- Northern Line drivers set to strike in protest over colleague's sacking for 'drinking on duty'
- Huge swathe of Lewisham under feet of water as River Thames tributary bursts its banks
- Charing Cross fire: Train blaze sees busy station evacuated
- Green Party leader Natalie Bennett spent £350 on trains across Europe because she was opposed to catching £90 flight
- Hyatt Regency Hotel gas explosion: Investigation launched after 14 injured in blast
- Teenager, 18, killed after being shot in eye and another beaten with 'medieval mace in dispute over a girl'
Follow Simon Calder's journey in Cuba
Watch Simon's latest video on his road trip in Cuba.
Win a £2,000 Westfield Gift card
What's the worst or best Christmas present you've ever had? Tell us (and why) and you could win a £2,000 Westfield gift card.
Rainbow list 2014: The LBGT people who make a real difference
Introducing our annual celebration of the lesbian, bisexual, gay, and transgender people who make a real difference
Made of London Series
Sir Ranulph Fiennes maintains that a lack of qualifications drove him on to climb Everest , circumnavigate the globe and walk to the South and North Poles.
WIN tickets to the Midtown Big Ideas Exchange events
Inmidtown in collaboration with The School of Life, designed to inspire and encourage businesses to interact and learn from each other, share business knowledge and discuss important themes relating to work and life.
Celebrating London businesses
You don't need an original idea. Just do something better, says the man behind the technology for online dating sites.
Build yourself a brighter future
Chartered surveyors will be critical to shaping our new world
Why HD audio will lead to smarter calling
Telecom giant Vodafone is looking to improve voice quality, becoming the latest company to introduce new HD technology.
Book tickets for Kooza now!
KOOZA is an electrifying return to the origins of Cirque du Soleil combining two circus traditions - acrobatic performance and the art of clowning.
Caribbean luxury at its finest
Barbados offers a new slice of holiday heaven at Port Ferdnand and Saint Peter's Bay Luxury Resorts
Reader Offers email A fantastic selection of
offers, giveaways and


text:
Thursday, 23 Jan 2014 09:15 AM
Dimon, speaking on CNBC in a pre-recorded interview from Davos, Switzerland, said most of the government claims against the company were for dealings that took place at companies before JPMorgan bought them in the financial crisis.
"I think a lot of it was unfair, but I am not going to go into the details," Dimon said in the television interview.
JPMorgan agreed last year to pay $13 billion to settle multiple government claims over dealings in mortgage securities at JPMorgan and at two banks it took over during the crisis, Bear Stearns and Washington Mutual.
It also settled other assorted cases for about $7 billion more. Those included allegations stemming from derivatives and electric power trading and sales of extra products to credit card customers.
Dimon said JPMorgan had "two really bad options" in choosing to settle or fight the cases. Going to court could have taken three or four years and the outcome could have been worse, he said.
"It would really hurt this company and that would have been criminal for me to subject our company to those kinds of issues," Dimon said.
© 2014 Thomson/Reuters. All rights reserved.
Thursday, 27 Nov 2014 17:32 PM
While she doesn't come with a rock star's extensive backstage rider, new documents about requirements for hosting a Hill . . .
Thursday, 27 Nov 2014 17:02 PM
A Russian Muslim leader from the North Caucasus region of Dagestan swore allegiance to Islamic State, according to a You . . .
Thursday, 27 Nov 2014 07:49 AM
Gunfire and explosions rocked Kabul Thursday as Taliban militants attacked a central district that houses several embass . . .
Sincere thanks to all members of the grand jury who deliberated under extreme...
Not a smidgeon of evidence . 30,000 emails from lois alone ion that time period...
How did a giant , violent , doped up jerk who attacked Wilson get transformed...
Take a minute to ask yourself.
What would you do? When you have a a sworn enemy...
Why would anyone think that Obama was going to do anything different? His entire...
Newsmax, Moneynews, Newsmax Health, and Independent. American. are registered trademarks of Newsmax Media, Inc. Newsmax TV, and Newsmax World are trademarks of Newsmax Media, Inc.


text:
Relevant offers
Two crashes slowed traffic on State Highway 1 out of Wellington this morning.
The first crash happened at 6.43am in the northbound lane of the motorway, north of the Aotea onramp, police said.
There were no reported injuries.
A witness said four cars, including a taxi were involved.
All were badly damaged and by 7am traffic was already backed up about 500m.
NZTA said delays were expected with the right and centre lanes blocked.
That was followed by a second crash, near the Hawkestone St bridge.
Both crashes had been cleared by 8.50am.
- The Dominion Post
Sponsored links
Kapiti by-election format decided today
Mowbray Collectables in talks to stay afloat
Govt's pure tourism campaign hypocritical
Plan's future will be known today
Garth McVicar leaves Conservative Party
Town centres the talk of Kapiti
Rallying for boy with foot for knee
Lone voice in council says rail plan a huge risk
Walkers come across grisly find
Mod-cons delight flats' tenants
Council shrugs off lease idea for library
Walkers come across grisly find
Garth McVicar leaves Conservative Party
Rallying for boy with foot for knee
Town centres the talk of Kapiti
Reason: McCaw, Ko legends; Hamilton an ass
SIS actions incompetent and unwise
From a million in a month to broke
Another Gull station docks pay after thefts
Capital home to oversized atlas
Little reshuffle short on daring
Bidwell: Wellington NRL bid dead in the water
Another Smith swindle revealed
Sutton departure: 'It's a win for women'
Tyre cooker could save landfills
Rallying for boy with foot for knee
Miramar homeowners defend berm parking barriers
Wanganui Collegiate gets more funds
Anonymous donor funds rehab centre
Walkers come across grisly find
Putting the spin on 'neutrality'
What should happen with the Zephyrometer?Related story: Wind wand's future up in the air


text:
Our Newest Items :: Downloads :: Hot Deals NEW :: Message Board :: Why Shop Here? :: Contact Us
Hot Deal
Unleaded by Txema and Devin Knight - Trick
$19.95 $9.95
Save: 50% off
Reward Points
No points earned yet on current order.
Log in to see how many reward points you have already earned
Great Service
These things make MJM Magic my first stop for book purchases:
1. The ease of making the order.
2. Not getting taked to the cleaners on shipping...
Made my shopping a breeze
An outstanding round of applause for Jeff & his crew at MJM Magic for helping me make my holiday shopping a breeze! Without their incredible customer...


text:
October 09, 2012
Twenty-eight years since the first HIV/AIDS case was reported in Kenya, organisations are proposing a new model to fight the epidemic.
The model, called "SAVE", an acronym for "Safer practices, Access to treatment, Voluntary counselling and testing, and Empowerment", hopes to improve the traditional ABC model, which focused on "Abstinence, Being faithful and using Condoms".
"We have been questioning the effectiveness of the ABC model for some time; we see it as obsolete and unable to give us the needed results," said Jane Ng'ang'a, Kenya chapter co-ordinator for Inerela, an international interfaith group of religious leaders living with or affected by HIV/AIDS. "That is the reason we are introducing this new approach that will phase out ABC."
According to Inerela, the ABC model's inefficacy is partly due to lack of support from some segments of society, particularly religious leaders.
The ABC model is perceived to advocate or justify unacceptable social behaviour by promoting the use of condoms, and thus inflating stigmas against people affected with the virus, Ng'ang'a told Sabahi.
In addition, ABC focuses solely on sexual transmission of the virus and fails to address transmission by blood transfusion or childbirth, she said. It also does not include effective measures for testing, care and treatment of people who have contracted the virus.
An estimated 1.5 million Kenyans are living with HIV, according to data from the 2010 UNAIDS global report, with approximately 80,000 people succumbing to illnesses related to the virus in 2009.
With SAVE, Inerela plans to use a multi-faceted approach to influence government policies and engage faith leaders and communities to change behaviours.
"This approach seeks to drop the notion that HIV is the result of immorality," Ng'ang'a said.
The programme focuses on providing mental and economic support to people affected by the disease while engaging religious leaders in the process. Programmes include training community leaders and clergy on how to deliver messages that dispel stigmas associated with HIV/AIDS.
In addition to championing abstinence and faithfulness among partners, the programme will promote the use of sterile syringes and the proper use of condoms. "We are reaching out to injecting drug users and sex workers as the infection rate is going up, particularly among these [groups] who were never targeted in the ABC model," Ng'ang'a said.
"Preaching faithfulness, abstinence and proper use of condoms is not enough if social pressures and economic vulnerabilities persist, especially [those that are negative for] women and girls," she said. Devoting resources to dispel cultural misconceptions against condoms will further help curb transmissions, she said.
SAVE also supports the use of post-exposure prophylaxis, a short-term anti-retroviral drug that reduces chances of infection after potential exposure, such as in cases of rape.
The programmes are mostly funded by Christian Aid and implemented in partnership with organisations already working in the field, Ng'ang'a said.
The Kenya AIDS Non-Governmental Organisation Consortium (KANCO), one of the groups that work with Inerala, says it endorses SAVE because ABC left out a section of the population.
"We are particularly pleased with SAVE's focus on vulnerable groups such as women. In ABC the fight was male-centred; girls were left out in all the campaigns," said Everlyne Kibichu, a senior programme manager at KANCO. "Things such as condom use were limited to men, but now SAVE targets and empowers everyone to have control over their sexuality. It also focuses on treatment as a basic component; this is very welcome."
In addition to programmes addressing prevention and treatment, SAVE demands basic care for patients with the virus, including clean water and food.
Dr. Mohamed Karama, a principal research officer at the Kenya Medical Research Institute, said the SAVE programme could help significantly curb the rate of HIV infections in the country.
He told Sabahi that to effectively impact the rate of infections, people must have access to universal healthcare, nutrition and psychosocial support, as well as additional help for patients with drug-resistant cases. These challenges were not addressed in the previous programme, he said.
Despite the warm reception by activists and organisations involved in the fight against HIV/AIDS, the government says it is not yet ready to fully endorse and incorporate SAVE in its policies.
National AIDS Control Council Director Alloys Orago said the SAVE approach offers a new dimension to the fight against the disease, but said it was "too early to consider ABC obsolete".
He said the National AIDS Control Council is still evaluating the SAVE model and considering which portions to adopt.
Social and Economic empowerment will greatly help in reducing vulnerabilities/the susceptibility of many.
It enlightens on the developments of the scourge and the way forward.
Kenyan security forces arrested several youths Thursday night as they attempted to enter a Mombas...
Somalia's federal state of Puntland is intensifying its anti-terrorism operations in response to ...
Tanzania on Thursday (November 20th) denied claims it is planning to evict around 40,000 members ...
Somali security forces have removed illegal roadblocks set up by armed groups around Afgoye town ...
The Kenyan cabinet on Thursday (November 20th) ordered an investigation after more than 12,000 fa...
Hundreds of supporters of the new president of Somalia's Interim South-western Administration too...
International donors gathered at the two-day High Level Partnership Forum on Somalia in Copenhage...
At least five people were killed Wednesday (November 19th) during a cattle rustling incident in N...
Ten Somali political parties united Wednesday to form an umbrella group called the Committee of S...
Kenya's National Authority for the Campaign Against Drug and Alcohol Abuse (NACADA) has introduce...
A United Nations Security Council resolution puts teeth in the enforcement mechanism for stopping the illegal import of weapons and charcoal exports that fund the terrorist group.


text:
the RB news
sad days.. my car has seen better days. instead of putting an endless amount of cash into it, i think it might be best to trade it in while it still has some value. i wish it wasn't a 2008, or model year. i feel like that is contributing to the issues my car is having. :( it was a good 4 years for me though.
i'm not sure what i'll get next, but it will need to be substantially cheaper. my new goal in owning a car is that it last longer than my loan. i've never been without a car loan..
i can't believe the holidays are here already… life is going by so fast these days.
i've been going at all cylinders for a number of weeks now and all that go go go has caught up with me. i've taken it very easy this past week by curtailing my nightlife, resting and working from home and it's really made a difference! it's also given me some time to get some home things done that i've been neglecting or too busy on the run to do. i'm grateful that my job allows for me to work from home on occasion.
i got word last night that a college classmate, my age, died of a heart attack this past monday. 38 years old is too young to die. I probably hadn't seen him in a good 10-12 years, but we were once neighbors in the dorm. He had an 11 month old and was a teacher. A beloved teacher based on the comments on the funeral homes page. i can't help but draw parallels to when my father had a heart attack, granted he was slightly older, but not much, less than 5 years i think. we were so lucky not to lose him that fall. this death is on the heels of a couple of other cancer related deaths i've been aware of lately. death is an inevitable aspect of life, and as i get closer and closer to my 40's i suspect that this will be a more common occurrence. this is a sad realization.
RIP Steve Hoard, Beryl Welch and Marny Cowgill
my intestines/digestive tract work differently now, and my body rebels when i consume the wrong things. my most violent reactions are when i drink sugars. i also have uncontrollable bathroom issues when i eat too much sugar.
either i've eaten too much sugar lately, and it's built up to the point where it's tipped the scales, or i've erroneously drank something that wasn't sugar free. in any case, it was a rough week +.
i wish i had some inner strength to resist sugar. :( i think i've blogged about this before, but since surgery and subsequently since i've stopped drinking i crave sugar like i've never craved sugar in my life. i never had much of a sweet tooth before surgery.. *sigh*
in other news, i've retired my stovetop popcorn popper. i make so much popcorn that i've been going through the Whirley Pops like no one's business. so after a couple of recommendations i've purchased a Hamilton Beach Popcorn Popper. while i've only used it twice, i think we will become fast friends.
today i have been so very angry for no apparent reason.. the kind of angry where i want to break and throw things. i think holding this anger all day has given me a headache. i feel bad that justin was subject to such a foul mood, he's always got so evenly keeled.
looking at my calendar i'm about to get busy. zoe's birthday is this weekend, attending a town court meeting, then the book of mormon, then a wedding shower and helping out at a neighborhood race, then another paint night, then i go to boston!! i'm getting tired thinking about all those things. :)
in better news, my halloween costume is 99% finished.
shopping at Aldis is a real cost savings… they don't have a wide variety of products, and a lot of their food is cheap processed food, but for staples, milk, eggs, veggies, cheese, etc it saves me money, however i still need to go elsewhere for particular items. today when i passed up the affordable toilet paper at aldi's because all of it was soft, i drove to wegmans wondering if i am particular to a fault.
i might be in the minority, but i hate soft toilet paper. Mostly because i use a lot of toilet paper. A LOT, and while i mentally understand the idea of the softer toilet paper, the environmentalist inside me can't bring myself to buy it, and i cringe when it's all that's available in bathrooms. Such a waste of money.
this level of particular-ness causes me to travel far and wide for specific things. back when i lived in boston it was not uncommon for me to shop at 3 different grocery stores in an outing.
my halloween costume is coming together quite nicely. i just need to procure some plain large geeky glasses, a yellow barrette and some black converse high top sneakers.. :)


text:
Recent Searches[ View all tags ]
fucking sister - intruder fuck girl - men fucking animal - feet - bbw arab wife1831 - girls playing dead - wife seducing a man - clit nedeel tourture - fight turns into threesome - ied teen anal - idden granny pussy10174 - teen loses virginity - irl gets multipul cream pies - latina - my friends girlfriens - wont fit inside hole - forced smoking fetish - anal teen shemale tranny painful crying accidental14214318215 - quicksand - erfect anus - gay army399 - scat porn - pissing spandex - gay bareback cume eating411 - gymnastic naked - 3gp rape - painal - thai - ana mancini and mariana cordoba131108 - ouble fisted pain - wife blowjob - soldiers rape prisoner - incest - son rapes drunk mother - snapchat
Added 8 months ago
Sleeping Girl Facialized
Added 14 months ago
Indonesian Girl Raped
Girl Busted Masturbating
Her First Penetration
Amazing Prostate Milking
It's Normal Over There...
Site Map
Sign Up / Log In
Featured Videos
Recent Videos
Most Viewed Videos
Site Directory
RSS Feeds
Info & Contact
About Us
2257 / Terms Of Service
Privacy Policy
Webmasters Trade Traffic
DMCA / Report Content
Copyright © 2014 Heavy-R
Realty Costa Brava
Shocking Videos
Public Sex
XXX Porn
Ass Porn
Extreme Porn Videos
Realty Begur
Porn Videos
Funny Videos
Extreme Porn
Graphic Videos
Trade Partners
View All / Add Site
Who doesn't like at holker videos about how After a big of lingerie and nude posing at a porn casting audition, this European hottie masturbated for her interviewer before being asked to suck his dick. She then gets on her knees and shows her s... This tight brunette lost a bet and had to fuck in front of everyone during a christmas party. So, with everyone watching, she spreads her legs wide open as a guy with a santa hat eats her pussy thorou... Guy calls black escort girl to make him relax at his work. Crazy Stuntman Ted Batchelor lights himself on fire then runs the bases at Class-A affiliate of the New York Mets, the Savannah Sand Gnats and the crowd goes Wild. Passers by laugh at a man who just got beaten to pulp, sitting next to the road. We got plenty of videos about at holker available for you to watch at Heavy-R.com


text:
Naomi russell gets (1000 galleries found) mixed videos HD videos pictures
01:00, 4243, 5 years
Latina babe Naomi Russell in great fucking
Naomi Russell and Gina Lynn..
15, 4750, 5 years
Hot pornstars Naomi Russell and Gina Lynn posing
Naomi Russell riding fat cock
03:00, 3191, 4 years
Big ass latina girl Naomi Russell jumping on massive dick.
Naomi russell acquires some..
01:00, 3296, 1 year
LaTina Babe Naomi russell in great fucking
Naomi Russell Teases to get..
02:00, 1218, 4 years
Naomi Russell getting her hard fucking
Naomi Russell banged in a butt
03:09, 2144, 5 years
Lustful bitches do anal sex
Double penetration fucking..
05:10, 2998, 3 years
Double penetration fucking with babe Naomi Russell
Naomi Russell shares all holes
02:00, 2716, 5 years
Cute slut Naomi Russell enjoys DP fuck
Naomi Russel is oiled and..
06:48, 6911, 3 years
Free tube porn xxx movies featuring delicious Naomi Russel are always fun..
Naomi russel is oiled and..
06:48, 17068, 2 years
Free tube porn xxx Movies featuRing delightful NAomi rusSel are always..
Cock hungry Naomi Russel..
02:00, 3815, 3 years
On a sunny and hot summer day Naomi Russel loves to get down on her knees..
Naomi Russell banged in her..
02:00, 1469, 5 years
Anal sex loving whore Naomi Russell
Naomi Russell in awesome ass..
02:00, 1921, 4 years
Hot anal whore Naomi Russell fucked by two buddies
Tanned curly haired porn xxx..
02:00, 3458, 3 years
Naomi Russel has an ass to die for and if you are not a believer, check..
Scenes of Anna Nova, Cindy by..
19:33, 3485, 2 years
Scenes of Anna Nova, Cindy by Anal Sex HDV
Get her ass riped
05:00, 2552, 2 years
Girl get her ass fill with water porn.
CULO Like Whoa!
03:00, 1836, 3 years
Amazing latina hottie with the best ass gets fucked and messy cum from..
Culo like whoa!
03:00, 3002, 2 years
Astonishing latin babe hottie with the best ass gets fucked and Messy cum..
03:00, 1661, 2 years
16, 2479, 2 years


text:
Is your resume in need of a little disruption?
Startups are all about
making things work better.
Our resume writing service is all about doing that for your CV.
StartUpHire is the place to find Ruby-on-Rails jobs in and near . Review the list below of Ruby-on-Rails jobs. These Ruby-on-Rails jobs represent some of the most rewarding careers available. You can refine your job search for Ruby-on-Rails jobs in by adding a job title, company name, or keyword to the search box above … or click the "Advanced Search" link for more options. Don't see the employment opportunity you're looking for? Check back soon for more Ruby-on-Rails jobs in , or sign up for an email alert (link in upper left) to receive periodic updates on new Ruby-on-Rails jobs in , .
We're looking to add software engineers to our modest development team to help us scale out to more client sites, develop and maintain integrations with many large EMR products, and improve the quality of our product offerings. We work with Ruby on Rails on existing apps, but9/2/2014 Madison, WI Save This Job
Why is Payments important at Airbnb? We run everything related to money in the Airbnb marketplace. Each month we collect payment in 32 currencies and remit payment in 65 currencies in 192 countries. The Payments Team builds the technology that facilitates Airbnb's massive daily10/6/2014 San Francisco, CA Save This Job
About this Role: This role is for our platform team which owns our current (legacy) and our next generation API, which powers our next generation of front ends. Day to day you?ll be building/designing the API (all things endpoint), troubleshooting performance issues, informing9/28/2014 San Francisco, CA Save This Job
You know LivingSocial as the marketplace to buy and share the best things to do in your city and beyond. And while we're bringing excitement and value to our merchants and consumers, we're also committed to creating a world-class environment for our employees. Our talented11/21/2014 Washington, DC Save This Job
More information about this job Overview Who you are: Do you live, eat, and breathe programming? Are you someone who sees code in their dreams? Would you consider yourself a developer?s developer? Spiceworks just might have a position for you! We?re looking for a razor sharp10/25/2014 Austin, TX Save This Job
Whitepages is the leading provider of contact information for people and businesses in the U.S., and our data is our differentiator. We ingest billions of records every month from a variety of public sources and organize that data by linking individual records to create an10/22/2014 Seattle, WA Save This Job
The Engineering Team at BetterDoctor is dedicated to creating world class consumer and provider facing products to help real people navigate the vast, wild and unruly healthcare space. We strive to live in the intersection between efficiency and ingenuity where every voice is11/5/2014 San Francisco, CA Save This Job
Why are Security Software Engineers important at Airbnb? Airbnb is a global marketplace trusted with payment and personal data. Not only must we keep that information safe, but we must also meet specific industry and regulatory standards. What are examples of work that Software10/6/2014 San Francisco, CA Save This Job
Codecademy is bringing coding to the people?help us tell the story of our cause! We?re looking for an exceptional Communication Designer to drive our brand strategy, design beautiful marketing and landing pages, as well as own every manifestation of our brand, including campaigns10/6/2014 New York, NY Save This Job
Location: Menlo Park, CAType: Full TimeMin. Experience: Experienced Guidespark, recently Named #6 Best Place To Work in the Bay Area, is a fast growing, well-funded startup that is revolutionizing how employers engage, communicate and train their employees. GuideSpark leverages10/30/2014 Menlo Park, CA Save This Job
Location: Chicago, IL Join a team that has a history of building successful software products and businesses. We have built a platform for the world's best employers to administer a robust relocation solution to their employees. We are cloud based, scalable and hopelessly10/7/2014 Chicago, IL Save This Job
Whitepages is the market leader in identifying callers & protecting users against spam. Our award-winning web and mobile apps support millions of users, and we want to bring that experience to an even wider audience. The Whitepages Partner Solutions team works with mobile10/22/2014 Seattle, WA Save This Job
Job Description Come join an outstanding team of Ruby/RoRs developers. We are looking for a highly talented Architect with a combination of leadership and technical acumen to be part of our architecture team. To drive aggressive growth we are investing in our platform10/20/2014 Austin, TX Save This Job
More information about this job Overview Who you are: Got a passion for all things tech? Want to see your work directly impact millions of IT professionals who use our services to do their jobs? Like to work at a company the Austin American-Statesman voted a top place to work?11/24/2014 Austin, TX Save This Job
Why are Software Engineers important at Airbnb? There is much more that we want to build and so much that we could improve. We value strong engineers who are agile enough to jump into most projects. What are examples of work that Software Engineers have done at Airbnb? Our10/6/2014 San Francisco, CA Save This Job
Explorys is searching for innovative and experienced Application Security Software Engineers for the Data Governance Team to help us build solutions that unlock the mysteries behind disease, treatments, and outcomes. As an Applications Software Engineer at Explorys, you will8/10/2014 Cleveland, OH Save This Job
You know LivingSocial as the marketplace to buy and share the best things to do in your city and beyond. And while we're bringing excitement and value to our merchants and consumers, we're also committed to creating a world-class environment for our employees. Our talented10/22/2014 Washington, DC Save This Job
COMPANY DESCRIPTION Hoopla is the new way to win for high-velocity sales teams. Hoopla?s Sales Motivation Platform combines modern game mechanics, data analytics and broadcast-quality video in a powerfully simple sales gamification application that makes it easy for managers to9/30/2014 San Jose, CA Save This Job
We are seeking a Senior Database Developer to create new schema, review database code, optimize queries, and suggest data systems architectural techniques. You will help us scale by ensuring database code and schema is as efficient as possible for the expected transaction volume10/31/2014 San Francisco, CA Save This Job
You know LivingSocial as the marketplace to buy and share the best things to do in your city and beyond. And while we're bringing excitement and value to our merchants and consumers, we're also committed to creating a world-class environment for our employees. Our talented10/22/2014 Washington, DC Save This Job


text:
What's Cooking?
A funny, mouth-watering and deeply moving vision of 21st century diversity and the future of the American family.
© MM Hope & Gravy, Inc. All Rights Reserved.
- buy from $5.99
- rent from $2.99
Kyra Sedgwick, Mercedes Ruehl, Julianna Margulies, Alfre Woodard, Joan Chen, Maury Chaykin, A. Martinez, Victor Rivers, Dennis Haysbert, Douglas Spain
common sense
A bit melodramatic at times, but still charming.
what parents need to know
what families can talk about
movie reviews from Rotten Tomatoes®
Tomatometer®reviews counted: 18see all What's Cooking? reviews
Top Critic Reviews
Fresh: It's a meal you may feel you've eaten before, but you nonetheless walk away stuffed and happy.
- A.O. Scott, New York Times, Saturday, January 1, 2000
Fresh: Patient viewers will find that by the time the sparks start to fly and the tears to flow, the wait will have been worth it, to say nothing of the laughs.
- Bob Graham, San Francisco Chronicle, Saturday, January 1, 2000
Rotten: The film's gluttonous overkill of food is matched only by its overacting.
- Bruce Westbrook, Houston Chronicle, Saturday, January 1, 2000
Audience Reviews
A cute holiday movie. Wasn't especially memorable but the cast was good and the writing was alright.
- SunilJawahir, Friday, June 25, 2010


text:
Wealth Check: 'How can I bring order to my savings?'
Each week we give 'Independent on Sunday' readers a financial makeover
Sunday 22 August 2004
The problem
The problem
Years spent ridding herself of student debt, clearing her overdraft and saving for a deposit on a house have taught Anita Quinney the importance of being organised financially.
But in recent months, she has become concerned that she may not have exerted such firm control in one very important area - her pension provision.
Anita has found herself with a mixed bag of pensions: a final salary scheme from her former teaching job; additional voluntary contributions (AVCs) with the insurer Prudential; and her company pension with her current employer, the P&O shipping line. She isn't sure what she should be doing with them all.
"I've heard so much bad news about pensions, and in particular the warning that the money you save will barely buy you a decent pension in the first place," she says.
She is thinking of transferring her £1,900 worth of Prudential AVCs to the P&O fund, but fears this might result in a penalty. She has also considered investing in a stocks and shares individual savings account (ISA) or in the buy-to-let housing market as alternatives to a traditional pension. She says, though, that she doesn't yet have enough capital to purchase a second property.
Anita has £8,000 in a mini cash ISA with Portman building society, which earns 4.5 per cent interest, and £600 in a savings account (also with the Portman) earning 1.05 per cent.
She has a two-bed terraced house in Southampton, valued at £150,000, and an £88,000 two-year discount repayment mortgage with the Portman, on which she currently pays 4.69 per cent interest.
With no dependants, Anita has no need for life cover. She has taken out a Portman Mortgage Care policy to meet her repayments if she is ill and can't work. She clears the balance on her HSBC credit card each month.
Interview by Sam Dunn
The patient
Anita Quinney, 32, from Ashurst Bridge, near Southampton. Job: staff manager at P&O. Income: up to £28,000. Savings: £8,000 in a mini cash ISA; £600 in a savings account. Investments: none. Goal: to get a grip on her pensions and earn a better return on her savings.
The cure
"There has been a bad press about pensions but it's not fair to tar all of them with the same brush - many offer good benefits," says Benjamin Gibbs of independent financial adviser (IFA) Glazers.
Meera Patel of IFA Hargreaves Lansdown agrees, while Nick McBreen from IFA Worldwide Financial Planning suggests that Anita look beyond the Portman building society to make her savings work harder.
As for purchasing a buy-to-let property, Mr McBreen feels she is right to be cautious. With so many others investing in this market, she may have missed the boat.
Talking through her pension contract with P&O's pension administrator would be a good first step, advises Mr Gibbs.
Anita can find out if her employer more than matches her own 5 per cent contributions and, if so, whether it would be possible to increase her own investment in the fund, Mr McBreen adds.
The Financial Services Authority has a website calculator that will let her compare how much she would like to retire on with what she will need to save each month to pay for this level of income ( www. pensioncalculator.org.uk).
Anita spent only three years in the teaching profession, but in that time "she will have built up a small but important pension in the teachers' superannuation scheme", says Mr Gibbs. Since this is an indexed (inflation-proof) scheme, it is best left alone until her retirement, Mr McBreen adds.
The extra contributions Anita makes to Prudential do need some examination, adds Ms Patel. She should find out what the fund invests in and what the transfer penalty would be if she were to switch the money she has saved to her current pot with P&O.
This information can be obtained by contacting Prudential, but once Anita has done this, she will need help from an IFA specialising in pensions. With professional advice, she can decide whether a transfer would be in her best interests.
Since Anita earns less than £30,000 a year, she could also invest in a stakeholder scheme. "She could contribute [up to] £234 a month [which will be topped up by the government], making £300 via tax relief," says Mr McBreen.
Anita's loyalty to Portman is misplaced. Better rates on cash ISAs are available from Abbey (5.35 per cent from 1 September), for example, says Mr Gibbs. But if she wants to move her cash, she mustn't withdraw it first or she'll be liable for tax. The new bank or building society should organise the transfer.
The interest on her Portman instant access savings account can be bettered too, adds Ms Patel. "Cahoot has an instant access internet account paying 5.5 per cent, and Sainsbury's Bank offers 5 per cent."
If she is prepared to leave her money untouched for 10 years, Anita could benefit from an equity ISA, says Mr McBreen. To reduce risk, she should adopt a "drip-feed" approach, making monthly payments. Investing a lump sum increases the chances of buying when the market is at its peak, and making big losses if it crashes soon afterwards.
"Anita could start by investing up to £3,000 in an equity ISA alongside her cash ISA," suggests Mr Gibbs. He likes Fidelity's MoneyBuilder Growth fund.
Ms Patel recommends Invesco Perpetual Income or Schroder UK Alpha Plus fund.
Anita has enough savings to tide her over for several months in the event of illness, our IFAs agree, but if she were to lose her job through injury or illness, she could be hit hard.
The Portman Mortgage Care policy covers repayments only for 12 months, Mr Gibbs warns.
Anita should check with her employer to see how long - and how much - sick pay will be available, Mr McBreen advises. If this isn't sufficient, income protection may be the answer, although it isn't cheap.
Credit cards
As she clears her credit card balance each month, the rate of interest Anita is charged is immaterial. Instead, she should see what she can earn by switching to a card with a cashback deal. Nationwide offers 1 per cent for six months before dropping to 0.5 per cent, Ms Patel says.
American Express Blue card pays 2 per cent cashback for three months (1 per cent thereafter) but is not as widely accepted as Nationwide's Visa card, Mr Gibbs adds.
If you would like a financial makeover, write to Melanie Bien at The Independent on Sunday, Independent House, 191 Marsh Wall, London E14 9RS, or email firstname.lastname@example.com
Independent Partners; request a free guide on NISAs from Hargreaves Lansdown
Money blogs
Simon Read: There may be trouble ahead for cohabiting couples who don't make a will
Money Insider: Would £150 make you switch banks?
Gold-plated pensions – the key to retirement freedom?
Bargain Hunter: Find the deals that have real value beneath the Black Friday hype
How to start your own internet business
- 1 Tamir Rice: 12-year-old boy playing with fake gun dies after being shot by Ohio police
- 2 To help fuel their propaganda machine against the poor, our government has now decided to redefine the word 'welfare'
- 3 Bill Cosby: Isn't it obvious why his accusers have stayed silent up until now?
- 4 Halle Berry takes ex-boyfriend Gabriel Aubry to court for allegedly trying to make daughter look less African-American
- 5 Isis propaganda image showing 'abuse of Muslim woman by soldiers' is actually taken from Hungarian porn film
Rochester by-election: Ukip gains second MP as Tory defector Mark Reckless holds seat
'Beast of Bolsover' Dennis Skinner takes Ukip MP Mark Reckless to task moments after he is sworn in
Rochester by-election: Labour MP Emily Thornberry resigns after posting white van and England flags tweet
The young are the new poor: Sharp increase in number of under-25s living in poverty, while over-65s are better off than ever
Revealed: How the world gets rich – from privatising British public services
Exclusive: UK approved £7m Israeli arms sales in six months before Gaza conflict
WIN a trip for two to Cuba
Follow Simon Calder's journey in Cuba, and enter our competition to win a trip for two to Cuba
Caribbean luxury at its finest
Barbados offers a new slice of holiday heaven at Port Ferdnand and Saint Peter's Bay Luxury Resorts
Rainbow list 2014: The LBGT people who make a real difference
Introducing our annual celebration of the lesbian, bisexual, gay, and transgender people who make a real difference
2014 WISE Summit
For the past four years, Qatar Foundation has been awarding an international prize for education each year, the first award of its kind in the world. Find out more...
Build yourself a brighter future
Chartered surveyors will be critical to shaping our new world
Why HD audio will lead to smarter calling
Telecom giant Vodafone is looking to improve voice quality, becoming the latest company to introduce new HD technology.
i100: A single mother on benefits who became one of the world's most successful authors
11 rags-to-riches underdog success stories
Made of London Series
Sir Ranulph Fiennes maintains that a lack of qualifications drove him on to climb Everest , circumnavigate the globe and walk to the South and North Poles.
From medieval to ultramodern
Mons is embracing the future as it prepares for its role as next year's European Capital of Culture, but it's also steeped in intriguing history. Philip Sweeney explores its two sides
Enter the latest Independent competitions
Win anything from gadgets to five-star holidays on our competitions and offers page.
Business videos from commercial thought leaders
Watch the best in the business world give their insights into the world of business.
Independent Dating
iJobs Money & Business
Citifocus Ltd: Product Development - Asset Management
£Attractive: Citifocus Ltd: High calibre individual with significant product d...
Citifocus Ltd: Credit Ratings - Banking Sector
£Negotiable: Citifocus Ltd: Leading global bank seeks experienced credit analy...
Citifocus Ltd: Economic Crime Investigation & Analysis
£Attractive Package: Citifocus Ltd: High calibre individual with a high degree...
Citifocus Ltd: Snr Risk Analyst - Capital & Liquidity
£Attractive: Citifocus Ltd: High calibre individual with superior academics an...
Day In a Page
Sawbridgeworth, CM21
Tunbridge Wells, Kent, TN2
Richmond, TW9
Pebworth, Worcestershire, CV37
Old Buckenham, Norfolk
Marylebone, W1W
Fulham, SW6
Cookham, Maidenhead, SL6
Cranbrook, Kent, TN17
Belgravia, SW1W
Reading, Berkshire, RG7
Diss, Norfolk IP21
Crouch End, N8
Covent Garden, WC2H
Witney, Oxfordshire, OX29
West Hampstead, NW2
Pontcanna, Cardiff, CF11
Ipswich, Suffolk, IP7
South Kensington, SW7
Rye, East Sussex, TN31
St John's Wood, NW8
Littlebeck, Kettlewell, BD23
Little Crakehall, Bedale, DL8
Bakers Arms Hill, Arundel, BN18
Southwark, SE1
Torquay, Devon, TQ1
Clapham Common, SW4
Coates Castle, West Sussex, RH20
West Dulwich, SE21
Lisvane, Cardiff, CF14
St Katharine's Way, E1
Tintinhull, Yeovil, BA22
North Walsham, Norfolk, NR28
East Dulwich, SE22
Great Billing, Northampton, NN3
Windsor, Berkshire, SL4
Liskeard, Cornwall PL14
Alltmawr, Powys LD2
Kettlewell, North Yorkshire, BD23
Wandsworth, SW18
Wellow, Yarmouth, PO41
West Norwood, SE27
Rotherhithe, SE16
North Finchley N12
Manningtree, Essex, CO11
Wood Street, London, EC2Y
Chester Le Street, Durham, DH2
Plymouth, Devon PL1
Witham, Essex, CM8
East Molesey, KT8
Sawbridgeworth, CM21
A deceptively spacious, beautifully presented Georgian home with 3000sq ft of living space and five reception rooms
Tunbridge Wells, Kent, TN2
A five-bedroom Victorian home with four receptions, superb gardens and paddock in Pembury
Richmond, TW9
An eight-bedroom house on the south side of the The Green with cinema, wine cellars and summer house
Pebworth, Worcestershire, CV37
This 17th century beauty is full of rustic cosiness, while the detached home office means you can also run a business
Old Buckenham, Norfolk
This five-bedroom red-brick beauty overlooks the village green and sits in just under two acres of land
Marylebone, W1W
Four exclusive apartments in a Grade II-listed former medical school with 2,275 sq ft of living space and 18ft ceilings
Fulham, SW6
A five-bedroom terraced house on the popular Peterborough Estate, ideally located for both Eel Brook Common and South Park
Cookham, Maidenhead, SL6
A state-of-the-art farm-building conversion on the former Cliveden Estate, with 11,420sq ft of internal space, cinema and wine cellar
Cranbrook, Kent, TN17
A three-bedroom, 15th-century cottage with original features in the picturesque village of Sissinghurst
Belgravia, SW1W
A six-bedroom terraced house with large south-facing roof terrace, cinema room and wine cellar
Reading, Berkshire, RG7
A new seven-bedroom home built in Queen Anne-style with swimming pool and parkland views in Mortimer
Diss, Norfolk IP21
A listed, four-bedroom farmhouse in the rural hamlet of Rushall with detached barn, four acres of gardens and paddocks
Crouch End, N8
A first-floor flat with two bedrooms, a spacious reception room and communal grounds in a leafy part of London
Covent Garden, WC2H
A three-bedroom flat with a spacious rootop terrace and balcony, accessed from a private gated courtyard
Witney, Oxfordshire, OX29
A Grade II-listed pile with six bedrooms, stables and 39 acres of grounds in Standlake
West Hampstead, NW2
A two-bedroom flat with boutique hotel-style interiors, close to the foodie haunt of West End Lane
Pontcanna, Cardiff, CF11
A two-bedroom flat in a beautiful old vicarage, with many original features, close to the city centre
Ipswich, Suffolk, IP7
A three-bedroom 16th-century home with an aga kitchen, private gardens and heated outdoor pool, in Hadleigh
South Kensington, SW7
A three-bedrom home in sought-after Queen's Gate Mews, with Italian marble-finished bathrooms
Rye, East Sussex, TN31
Surrounded by glorious countryside in the village of Udimore, sits this impressive four-kiln oast and barn conversion
Littlebeck, Kettlewell, BD23
A five-bedroom house in the picturesque village of Kettlewell, north Yorkshire
Little Crakehall, Bedale, DL8
An 18th-century former coaching inn with original staircase, open fireplaces and beams throughout
Bakers Arms Hill, Arundel, BN18
A Grade II-listed Georgian town house with three bedrooms and a south-facing courtyard, near Arundel Castle
Southwark, SE1
Feel on top of the world at this über chic penthouse on the 37th floor of one of Europe's tallest blocks.
Torquay, Devon, TQ1
A Grade II-listed Victorian villa with six bedrooms and two further cottages, all with spectacular sea views
Clapham Common, SW4
A grade II-listed, Georgian cottage with mature 50ft garden, perfect for summer entertaining
Coates Castle, West Sussex, RH20
A magnificent Georgian pile with turrets, seven bedrooms, a heated pool and four acres of gardens
Lisvane, Cardiff, CF14
Fairoak Farm has five bedroom suites, gym, outdoor swimming pool and golf course
St Katharine's Way, E1
Chic two-bedroom river-fronted flat with a private lift that delivers you directly to your home
Tintinhull, Yeovil, BA22
A spectacular seven-bedroom Tudor pile, once owned by Henry VIII, with 18 acres of land
North Walsham, Norfolk, NR28
A seven-bedroom Georgian property previously used as a picturesque wedding venue
East Dulwich, SE22
A split-level flat in a church conversion with two en suite bedrooms and 1,200sq ft of living space
Great Billing, Northampton, NN3
A three-bedroom bungalow situated behind an impressive stone wall, £645,000
Windsor, Berkshire, SL4
Windsor Castle overlooks this three-bedroom Victorian cottage located on one of Windsor's smartest roads
Alltmawr, Powys LD2
Chapel House is a former vicarage with nine bedrooms in the beautiful Upper Wye Valley
Kettlewell, North Yorkshire, BD23
A five-bedroom B&B and separate owner's accomodation with potential for conversion
Rotherhithe, SE16
Enjoy summer by the Thames in this two double-bedroom converted warehouse in Rotherhithe village
Wood Street, London, EC2Y
A one-bedroom, luxury apartment with private gym and concierge service in Moorgate
Chester Le Street, Durham, DH2
A four-bedroom house in Hermitage Gardens with three reception rooms and landscaped gardens