text:
Overcoming a "Presumption of Abuse" in Chapter 7 Bankruptcy
Overcoming the "presumption of abuse" in Chapter 7 bankruptcy is not always as daunting as it may sound. In order to qualify for an individual Chapter 7 one either must have predominantly business debts or qualify for it under a "means test". The means test essentially looks at your household income for the six month preceding the month in which the bankruptcy is filed. Certain things can be deducted out of that income as well as certain standardized costs of living. Once the information has been run through the formula, a potential debtor either falls under the median income for their household size and state of residence, thus qualifying for a Chapter 7, or it does not.
One might be tempted to think that failing to fall under the median income is the end of the story and they cannot file a Chapter 7 (they almost always can still do a Chapter 13). This is true for the majority of persons where the presumption arises. However, it is not automatically the end of the analysis that your bankruptcy attorney should engage in. They need to also explore any changes in circumstances that would justify going into the Chapter 7 anyway.
So, having an income above the median only creates a "presumption" that doing a Chapter 7 would be abusive of the bankruptcy process. This presumption can be overcome by a showing of a change of circumstances. For example, a sudden change in one's health could decrease the current income or increase health costs that can be deducted from that income. Such a sudden event may not show up in the means test results for months since one is looking at a six month snapshot but, one may not be able to wait that long to file.
The way to overcome that presumption of abuse requires your attorney to prepare two extra documents. First, they should prepare a sworn statement for you to sign (an affidavit) that explains the change in circumstance that justifies overcoming the presumption. Second, they should prepare a mock means test showing what that change in circumstances would look like over time. These can be filed concurrently with the petition.
The United States Trustee would look at these extra documents and make their own determination whether to pursue dismissal of the Chapter 7 or decline to pursue it. Even if the US Trustee declines to pursue the presumption of abuse dismissal, individual creditors could still pursue it, though they are unlikely to do so.
Friends, Family, and the Debt Dilemma
When faced with bankruptcy, people hate to turn away from family that have helped them. The natural and common thing to do is try to repay those family members instead of other debts or to protect family assets by giving them away. This very human reaction may be understandable, but under the law it is not forgivable. Such transfers can create real problems for yourself and for the family you were trying to help.
The bankruptcy code provides for a trustee over a Chapter 7 estate to go after assets transferred prior to the filing of a Chapter 7. These transfers can take the form of favorable repayment of one (or some) debts over others or in the form of a gift. A favorable repayment may constitute a "preference" and a gift may qualify as a "fraudulent conveyance (or transfer)". When the person receiving the preferential payment or the gift is a family member, the bankruptcy code is especially tough. The trustee can go after preferences made up to a year prior to the filing of the bankruptcy if made to an "insider". Family members are insiders by definition.
Trustees can go after fraudulent transfers (gifts) to insiders made two years prior to filing under the bankruptcy code. However, one cannot rely on that two-year period because the bankruptcy code also has a "strong arm" provision that allows trustees to use state law to go after preferences and fraudulent transfers. In Kentucky preferences are treated the same, but the reach back period for fraudulent conveyances to insiders is five (5) years prior to the filing date.
Two situations recently came to me that point out the need for caution. In the first situation, a person borrowed from a close relative to put into a business. They intended to pay this relative back in a lump sum from a retirement account, but then it began looking like a Chapter 7 might be imminent. This would have created a double impact: first, exempt fundsthat would have ridden through the bankruptcy would have been converted to non-exempt funds and second, the trustee would have pulled that large lump sum payment back into the estate from the relative. From those reclaimed funds, the trustee would pay himself a percentage and the rest would have gone to unsecured creditors. This is a good example of a preferential payment within a year of bankruptcy to an insider. The retirement would be gone and the relative would remain largely unpaid (they would be treated the same as any other unsecured creditor and recieve cents on the dollar).
The second situation involved a person who had racked up considerable unsecured debt and had their personal residence secured to the hilt, but they owned several acres in another state free and clear of any lien. It was important to this person to retain the out-of-state land because it contained a family cemetery. They wanted to give the land to someone else to keep it in the family. Unfortunately, this would have been a fraudulent conveyance and the land would be taken and sold by the trustee with proceeds going to unsecured creditors. The cemetery itself would likely be protected and the family could still access it, but ownership of it and all the surrounding acreage would leave the family.
With a five (5) year reach back in Kentucky anyone would be hard pressed to plan for hard financial times well enough to preserve such an asset, but this example highlights the importance of sitting down with a bankruptcy practitioner who will help devise a comprehensive plan. In this scenario and with other factors beyond the limits of this posting (such as the age and health of the debtor), delaying bankruptcy by using this land as collateral to obtain enough funds to live on would be a wise alternative.
Hidden Debt Collection Mechanism
Despite the fact that notices of judgment liens are sent to the Debtor, such notices are often ignored, misunderstood, or forgotten by the time the Debtor files bankruptcy. So, it is important for the Debtor to go down to the County Clerk and get a copy of ALL active liens against real estate. Since nothing bad immediate happens with a judgment lien against property, people tend to overlook them, so they are a hidden debt collection method that could survive bankruptcy.
In a Chapter 7 or a Chapter 13, one can avoid a judicial lien on property that impairs an exemption pursuant to 11 USC Sect. 522(f). The most common way this plays out is that a creditor has filed suit, obtained a judgment, and then filed a lien on that judgment against your real property. This lien can sit dormant against your home for fifteen years, but it must be satisfied if the property is ever sold. Or, the creditor may pursue foreclosure but they rarely do that unless they believe there is enough equity in the property.
In order to strip off the judgment lien, your bankruptcy attorney must file a motion within the bankruptcy as a contested matter. In other words, if your attorney does nothing else, then the lien will survive the discharge. Previously, this was done within the plan of a Chapter 13, but the local rules have changed so that it must be done by motion in both Chapter 7 and Chapter 13 bankruptcies.
If your attorney was unaware or the judgment lien or otherwise failed to file that motion to strip the lien, not all is lost. A decision in the Eastern District of Kentucky Bankruptcy Court, In re Cross, Case No. 93-50547, the Debtors failed to strip the lien off their real property while the bankruptcy remained open. Twenty months after the case closed, the Cross' reopened the bankruptcy and moved to have the lien stripped. Despite the passage of time and the creditor arguing that the Debtors waived the right to strip the lien based on so much time passing, the court still granted their motion.
Second Home Loans: Disappearing debt
Well, I cannot actually make a second mortgage disappear, but I might be able to strip it off of your house and make it an unsecured debt instead of a secured debt.
In a Chapter 13, one can "value" the amount of a secured debt under 11 USC Sect. 506. Essentially, when one files a Chapter 13 a secured debt is only secured up to the value of the property it is secured against. There are some exceptions which I will not go into. If you own a home and have a second mortgage, then that second mortgage might be completely underwater. That is, there is no equity left to which the secured debt can attach. If that is the case, it can be "stripped" off of the property and treated as an unsecured debt.
However, if the lender can prove that there is even $1.00 worth of equity, the courts in the Sixth Circuit (including Kentucky) will not strip the loan off; it has to be paid in full to keep the house just like the primary loan. The rationale is that as one pays down the principal on the primary loan, more and more equity is realized to which that second loan can attach.
Dormant Debt Device
You can avoid a judicial lien on property that impairs an exemption pursuant to 11 USC Sect. 522(f). The most common way this plays out is that a creditor has filed suit, obtained a judgment, and then filed a lien on from that judgment against your real property. This lien can sit dormant against your home for fifteen years, but it must be satisfied if the property is ever sold. The creditor may pursue foreclosure but they rarely do that unless they believe there is enough equity in the property.
In order to strip off the judgment lien, your bankruptcy attorney must file a motion within the bankruptcy as a contested matter. In other words, if your attorney does nothing else, then the lien will survive the discharge. Previously, this was done within the plan of a Chapter 13, but the local rules have changed so that it must be done by motion in both Chapter 7 and Chapter 13 bankruptcies.
If your attorney was unaware or the judgment lien or otherwise failed to file that motion to strip the lien, not all is lost. A decision in the Eastern District of Kentucky Bankruptcy Court, In re Cross, Case No. 93-50547, the Debtors failed to strip the lien off their real property while the bankruptcy remained open. Twenty months after the case closed, the Cross' reopened the bankruptcy and moved to have the lien stripped. Despite the passage of time and the creditor arguing that the Debtors waived the right to strip the lien based on so much time passing, but the court rejected that argument.
For a judgment to qualify to be voided (stripped off) it must impair the exemption amount that the debtor claims in the property. Many debtors do not even know they have a judgment lien in their property so, it is important to go to the country clerk and obtain a copy of any active liens for your lawyer to evaluate.
Chapter 13 Flexibility: A parting of ways
Many of my posts espouse the flexibility of a Chapter 13 bankruptcy. Two of the ways that a Chapter 13 shows its flexibility are the absolute right to dismiss the bankruptcy under 11 U.S.C. Sect. 1307(b) and the somewhat limited right to convert the 13 to a Chapter 7 under 11 U.S.C. Sect. 1307(a). These two diverse directions of flex can actually happen concurrently in a Chapter 13.
Let us presume that a married couple files a joint Chapter 13. If one of the spouses comes into to funds that would be non-marital under State law and that are sufficient to resolve the debt issues leading to bankruptcy in the first place, then that spouse can voluntarily dismiss their Chapter 13. They essentially step out of the bankruptcy and it becomes an individual Chapter 13 even though the parties remain married.
Then, the lawyer needs to engage in a second level analysis as to whether the remaining spouse continue the Chapter 13 or convert based on various factors, including: that spouses assets and whether any are not exempted, if they have arrears for secured debts they still need to cure, and if they have any income tax debt they need to cure through the Chapter 13.
The danger of short term loans on your house
You home is an incredible source of collateral for loans when there is equity (value minus debt secured against it), but there is also danger in using your home this way. There are still lenders who will do rather large, short-term loans secured against a private residence. These loans can be tempting because they often will provide for relatively low-interest loans. However, they can be dangerous. especially when they are balloon loans. Such loans are seductive because they have low monthly payments with a final huge payment due at the end.
I have seen these often used by people trying to get a business venture off the ground. However, people sign up for them for many reasons. The business folks are essentially betting on having a solid and very profitable business going in three to five years. I admire their confidence, but most businesses that survive take three years just to start making a modest return. And so, many find their balloon payment looming without adequate resources to cover the debt. Sometimes banks will roll it into a new loan, but there is no guarantee of this. Therefore, it is wise to talk to a lawyer who knows about bankruptcy prior to that maturity date.
Banks like loans against your personal residence because the revisions to the bankruptcy code back in 2005 gave special treatment to loans secured solely against one's residence. Basically, 11 USC Section 1322(b)(2) prevents such loans from being modified in a Chapter 13 bankruptcy. Therefore, the only thing one can do is cure the arrears through the bankruptcy, but the underlying agreement remains intact. There is a nice little exception, though, found in 11 USC Section 1322(c)(2) for loans that come due DURING the Chapter 13. So, if one times things right and files a Chapter 13 BEFORE the last payment on your short-term loan is due, a Debtor CAN modify that loan to some extent.
The most likely use for this exception is to move the maturity date of the loan out for the duration of the Chapter 13 plan and thus provide for the cure of arrears on that loan. The Debtor still has to show that the lender is adequately protected, but that hurdle is usually overcome easily with real estate that is either holding its value or increasing in value. This is NOT a complete remedy, but it can buy more time for a Debtor to either find alternative financing that has no balloon payment or make those profits they hoped for that would cover the debt.
Student Debt v Student Loan – viva la difference!
A recent decision out of the Norther District of California Bankruptcy Court bolsters a position I have already been espousing. In re Christoff, 510 BR 876 (N.C. Cal. 2014) looked at 11 USC Sect. 523(a)(8) which makes three types of loans non-discharged unless certain things are proven in an adversary proceeding (a lawsuit within the bankrutpcy). The three types of loans are, in essence: government subsidized loans, IRS qualified education loans, and "an obligation to repay funds received as an educational benefit, scholarship or stipend[.]" 11 USC Sect (a)(8)(A)(ii).
This case involved Meridian University directly funding the debtor's studies in their Psychology program and whether that constituted the third type of debt above. The court ruled against Meridian because that statutes says "repay funds" thus requiring that actual funds are distributed. Instead, Meridian simply kept a "tab" of sorts of what the debtor owed them for tuition and fees. There was no third-party lender involved that distributed funds to Meridian or to the debtor.
I expect this would be the same outcome if such a debt discharge were challenged here in the Eastern District of Kentucky. This impacts many technical schools that simply charge the student debtor directly for tuition rather than involving an independent third-party lender. It is very good news for student debtors who went to such schools and then discover their training is not quite as marketable as the school led them to believe. So, the student debtor in the case above had student debt, but not a student loan.
Answering a lawsuit on your own
Having a sheriff or constable hand you a summons and complaint (a lawsuit) is an awful feeling. If you have been served with a lawsuit, then you really should consult a lawyer about the particulars of the complaint. This post should not be a substitute for obtaining individualized legal advise. However, I also know that not everyone has access to legal representation. If you are being sued for non-payment of a debt, then you likely have a hard time finding the funds to retain counsel. So, I am offering a few pointers in filing an answer to a complaint in order to protect your interests.
First, though, I want to suggest you reach out to a modest means or pro bono legal clinic if you cannot obtain private counsel. In the Bluegrass area and Eastern Kentucky you can contact: Legal Aid of the Bluegrass, The Fayette County Bar Association, and AppalReD.
Again, this is not a substitute for legal advice:
In Kentucky, a state court lawsuit must be answered within twenty (20) days of being served with the complaint. If the 20th day falls on a weekend or holiday, you have until the next weekday to file your answer, though I always err on the side of filing it a day or two early. If your goal is to delay the lawsuit as long as possible while you pull things together for bankruptcy, then you will wait until the last day of your time before filing your answer (again, I shave a day off just for an abundance of caution). Filing an answer consists of delivering your original, signed answer to the clerk and mailing a copy to each lawyer (or unrepresented party) listed on the complaint you received by first class mail. You do not need to send it certified mail.
The answer consists of three parts. The first part is the "style" of the case. It is all the stuff on the heading of the complaint, except you do not have to list the addresses of the parties – just their names – and you call it an "Answer" rather than "Complaint". The case number is the most important part because you want the clerk to file your answer in the right case.
The second part is where you either admit or deny the allegations in the complaint. This is where a bit of lawyer speak comes in: if do not know something for certain, but suspect it may be true, you can still deny it by saying "I cannot confirm or deny such and such allegation of the complaint, therefore I deny the same." You must do this because anything you admit in your answer is not longer a controversy. So, if the lawsuit is filed by the original creditor that you borrowed money from, then you can admit that you owe them a debt, but still deny the exact amount they are claiming is owed. However, if the lawsuit is brought by a collection agency or a party claiming that the debt was assigned to them, you may suspect that to be true, but you really do not know for sure that it was assigned to them correctly. So, you can deny owing that party a debt altogether as well as the amount they claim is owed. You must sign this part of the answer, but do NOT sign for anyone else. If you and your spouse are being sued for the same debt, you each must sign the answer or risk being found to be practicing law without a license.
The third part must also be signed (so you will sign your answer twice). This part simply is a statement saying that you put a copy of your answer into the mail, US Post, first class postage, and then list each party or their lawyer and the address you mailed it to. Again, sign after this statement and make sure you actually do send a copy to that party or lawyer.
Filing the answer can either be hand delivery to the clerk or by mailing your answer in to the clerk. Either way, you also want to submit a cop of your answer along with the original so that the clerk can stamp it and hand the copy back to you. This is your proof of filing the answer just in case the clerks misplace the answer (they do have lots of cases to manage by the way). If you mail your answer in, send a self-addressed, stamped envelope along with the original and copy so the clerk can mail it back to you.
Filing an answer in a lawsuit simply prevents the plaintiff from a quick and easy default judgment against you. It forces them to produce proof to the court. They may do this by way of a Summary Judgment or it may end up being a hearing (especially if it is small claims court). Either way, it typically gains you extra time to either file bankruptcy or prepare a defense.
When should I file bankruptcy?
First of all, I want to clearly state that bankruptcy is not something to aspire to achieve. Almost no one wants to file a Chapter 7 or a Chapter 13 and get a discharge of debts. Nearly everyone I talk to would rather have the means with which to pay their creditors. So, if you are reading this post, you have likely already tried everything you can think of to make things work and you are considering bankruptcy as a last resort. I can appreciate that. And I know that also means many of you have already gone past the point where wisdom would have you go. And that is why I hope to lay out some general principles as to when one should file bankruptcy. Everyone's situation has its own unique twists and turns, so you should find a lawyer who will provide a free consultation to see if it is time for you to file.
If a creditor has filed a lawsuit against you to collect a debt because you have not had the means to pay it, then you likely should file.
If the only way you can pay all your bills next month is to take a loan out from your retirement account, you likely should file.
If your house has been sold at a foreclosure auction, you likely should file.
If your car has been repossessed and sold at auction for less than you owed on it, you likely should file.
If you are seriously considering utilizing a payday loan provider in order to stay afloat, you likely should file.
If you feel crushed by debt and you do not see an end in sight unless you win the lottery, you likely should file.
If your employer notified you that they just received a wage garnishment order, you likely should file.
The main thing is to not wait until you are right up against the wall. It takes time to properly assess a persons financial situation and make sure that a petition and schedules are accurately completed. This means that you have to pull together a lot of documents in a very short period of time. It is far better to seek counsel when the crisis is still off in the future a bit.
- Overcoming a "Presumption of Abuse" in Chapter 7 Bankruptcy
- Friends, Family, and the Debt Dilemma
- Hidden Debt Collection Mechanism
- Second Home Loans: Disappearing debt
- Dormant Debt Device
- Chapter 13 Flexibility: A parting of ways
- The danger of short term loans on your house
- Student Debt v Student Loan – viva la difference!
- Answering a lawsuit on your own
- When should I file bankruptcy?
- Exemption issues with an inherited IRA
- Practice Tip: Filing fee installment payments
- November 2014 (1)
- October 2014 (2)
- September 2014 (4)
- August 2014 (4)
- July 2014 (2)
- May 2014 (2)
- April 2014 (2)
- March 2014 (1)
- January 2014 (7)
- December 2013 (6)
- November 2013 (7)
- October 2013 (9)
- Adoption
- Alternate Debt Relief
- attorney fees
- Bankruptcy
- Assets
- Automatic Stay
- Business debt
- Cash Advances
- Chapter 11
- Chapter 13
- Chapter 7
- Conversion
- Credit Counseling & Debtor Education
- Debt solution centers
- Discharge
- Disposable Income / Budget
- Exemptions
- Foreclosure
- Fraud
- Home Loan Modification
- Home loan modifications
- Means test
- Plan payments
- Planning
- Pre-filing planning
- Preference / Preferential payments
- Proof of Claim
- Property (exempt
- reaffirm or surrender)
- Redeem / Redemption
- Security interests
- Student loans
- Tax Debts
- The estate
- Business & small business
- child custody
- child support
- Civil Procedure
- Debt collection
- dissipation of assets
- Divorce
- Estate Planning
- Family Law
- Financing
- Fraud
- Gratitude
- Guardianship
- Life & Law
- Marital Assets
- Negotaion & conflict resolution
- Parenting
- Paternity
- Politics
- property allocation
- Solo & Small Firm
- Spirituality
- Uncategorized
- Visitation/Time sharing
- Words & Phrases
RSSEntries RSS
Comments RSS


text:
United Methodists Take Lead in Starting Free Pharmacy in Columbus, Ohio
by Elliott Wright
Columbus, Ohio, February 4, 2010--The United Methodist Church in West Ohio, working with community partners and with staff support from the denomination's mission agency, is opening a free pharmacy in Columbus, Ohio, to serve low-income persons who cannot afford needed prescription medication.
The Charitable Pharmacy of Central Ohio, set to open in mid-to-late February, is an initiative of the West Ohio Annual (regional) Conference of the church. It will operate in partnership with area hospitals, medical associations, health organizations, and foundations.
Located in the Livingston United Methodist Church on Livingston Avenue, the pharmacy has hired a licensed pharmacist, Allan Zaenger as executive director. The patient-services coordinator is Mariellyn Dunlap, a missionary through the Church and Community Workers program of the General Board of Global Ministries.
"The charitable pharmacy program is a creative and effective way for the West Ohio Conference and our partners to engage in ministry with the poor," said Bishop Bruce R. Ough, leader of the conference. He noted that ministry with the poor and improved health services are among the current mission focuses of The United Methodist Church. Bishop Ough is president of the General Board of Global Ministries.
The new pharmacy was called "good medicine" by an editorial in The Columbus Dispatch. The newspaper praised the church and those working with it for coming to the rescue of people with no prescription drug insurance or means to pay for medicine.
"When people must choose between giving their child food and filling a needed prescription, there's not much of a choice there," said Ms.Dunlap, the missionary assigned to the project. "We want to try to ensure that no parent in Franklin County has to make that decision."
Acute Need
Ms. Dunlap provided statistics and an anecdote that underscore the need for a free pharmacy. "The need is incredible and immediate," she said. "Between 2004 and 2008 in Franklin County, the number of adults who lack access to needed prescription drugs increased by 40 percent, to an astounding 146,553 people.
"When I was visiting a local free clinic, a man came in whose blood sugar was sky high. He knew it was dangerous, but said he couldn't afford all five medications his doctor prescribed. The one he could afford wasn't doing enough. That man is exactly who we're here to help."
Bishop Ough said that the pharmacy will "leverage the assets of the conference and its partners to assist those most at risk of not receiving adequate health care."
"The pharmacy speaks to Jesus' healing ministry and to the church's desire to promote the health of all persons in the community," said the Rev. Cyndy Garn, who is chair of the pharmacy's board of directors. Pastor of the Worthington United Methodist Church in Worthington, Rev. Garn said that the response from the community has been favorable.
Both Bishop Ough and Allan Zaenger noted that the Columbus pharmacy is modeled in part on a similar one in Cincinnati begun several years ago by the Roman Catholic Order of St. Vincent de Paul. The bishop said the facility at Livingston Church is the first in the conference's long-range vision of a network of free pharmacies.
Mr. Zaenger, 53, the pharmacist, explained that the pharmacy would initially operate for parts of three days per week and would increase to three eight-hour days per week. Livingston Church, located adjacent to downtown Columbus, is accessible from several highways and public bus lines.
The annual conference has an impressive line-up of partners in the Charitable Pharmacy of Central Ohio. One partner is Access Health Columbus, a nonprofit organization that does not provide services but seeks to improve local heath care by coordinating innovative solutions.
Franklin County and the Columbus Medical Association contributed $50,000 each to help get the pharmacy started. Hospital partners include the Ohio State University Medical Center, Mount Carmel Health System, Nationwide Children's Hospital, and OhioHealth, a faith-based, nonprofit that brings together a group of health-care facilities, including many with Methodist links. OhioHealth has strong ties to the West Ohio Conference. Columbus Foundation is also a Charitable Pharmacy supporter.
Ms. Dunlap also pointed to the importance of "a group of dedicated doctors, nurses, and pharmacists who are passionate about providing vital medications to low-income individuals who can't afford them."
Mr. Zaenger said he felt "called by the Holy Spirit" to undertake the work at the charitable pharmacy. "I had been in a consulting pharmacy situation for 20 years," he said. "I was at the stage of seeking what's next when I heard a presentation about the pharmacy at Access Health Columbus and expressed an interest in being involved. Things unfolded from there."
Inventory and Service
Inventory for the pharmacy will come from a variety of sources. "We will purchase some medications, especially generic drugs that tend not to cost too much," Mr. Zaenger said. "We will also be eligible for 'repository' medicine, that is, those that have been in the hands of long-care health facilities but never used; these are usually in individual doses and have never been out of the hands of health care professionals. Samples from doctors' offices can also be used by charitable pharmacies, and, fourth, there are some manufacturers' assistance programs."
Patients will go through an enrollment process to become qualified to receive prescription medication from the pharmacy.
The pharmacy will need to receive donations in order to meet its goal of providing much needed medicine to the persons to whom it makes commitments.
Church and Community Workers
Ms. Dunlap is one of several Church and Community Workers engaged in health-care ministries. Missionaries in this program serve low-income communities in the United States. For more information, go to Church and Community Workers.
Pharmacy FAQ (PDF, 2 pp., 610 KB)
Date posted: Feb 04, 2010

subset: commoncrawl


text:
BS (me) 40
OW - a friend of WH for 5 years
4 month EA which turned into a 5 month PA
Us together 20 years, married 17 and 6 kids
I always thought I was enough but obviously not!
We got in the way of this perfect love story of a delicate suffering damsel and the muscle-bound hero determined to fight her dragons. God forbid I ever mentioned that the dragons at home were getting troublesome! He had no time for such mundane domestic reptiles. He didn't really want to talk to me if he could help it but as I was coming out of a major depressive episode at the time I didn't always want to talk much either so win win really. A bit of emotional support would have been good though.
He even told me long stories about her dreadful life and her horrible husband and I listened, lord love me, and even offered advice I was good for that at least.
But you know the oddest part of it all? The oddest part was when I found out and assumed he would want a divorce, the fairy tale bubble went...poof!.... Just like that! Just. Like. That. He couldn't end it quick enough.
And he had always loved me by the way - 'love' obviously being a word not an action in this case.
3 children from 11 to 17.
EA with coworker for 6m maybe longer. She was 25!!
Dday 26/6/2012.
Reconciling. Hard work isn't it?
Getting there!
In those first few moments I thought that although he had a lasting relationship with someone else, circumstances forced them both to remain in their marriages. He probably stayed with us out of duty, love for his children, maybe even "not wanting to hurt me". It had to be that way. Why else would he have taken such a risk, for so long.
I think the first thing I said was "I guess you must really be in love with her"
He looked at me, kind of in shock, shook his head and said "NO!"
I was confused by that then and I am still confused.
In our many conversations since dday, he has said "I have always loved you". That confuses me even more.
The approach is to compartmentalize both parts of their lives so one does not intersect with the other.
It is a coping mechanism so they can deal with their double lives.
We struggle to understand because for many BS it is simply unfathomable to us. Logic is absent and it just doesn't make sense.
Good luck.
A lot of men will probably not like this, but I think that most men involved in affairs don't leave their wives because they need a mommy to come home to, to do everything for them but wipe their butts. I also think that's why more divorces are initiated by women - women already KNOW they have what it takes to run a household and keep things in order with or without a man, but most men fear being alone and having to actually take care of themselves and be responsible for running their own household.
WOW! Your right, many men will probably not like what you wrote. Because much of it a huge generalization and quite insulting! I am shocked at the people indicating that they agree with you.
I am a man who can take care of my household, cook meals, take care of my kids all on my own. That's not why I decided not to divorce my WW as you suggest most men do.
One thing I can't get out of my head is when my fWH told me on dDay "well if I was in love with OW we'd be having a different conversation". So I told him that tells me he was looking to replace me but didn't like her so stayed with me. He says he meant that he didn't love her or want her at all is why he said that. I think that was just spin on his part.
I'm beginning to realize that I don't believe in true love anymore... i thought what we had was special and he tossed it all for a romp with his craigslist OW.
[This message edited by whattheh at 4:59 PM, May 24th (Saturday)]
I know the position of a BS has us thinking and feeling things we never thought rational or even possible, but i would have thought a Mod would have offered a guiding hand to such a disparaging generalization. To be purposely coy...being a BH sucks enough. I don't need the man-hate.
"You can't fix a broken man, but he can break you"
I will never be able to process that he just had her in "a box" and thought that he could keep her there. Compartmentalisation...delusion...call it what you will.
my daughter is 7. i tell her everyday that she can do anything a guy can do.
i point out that women tend to be more flexible whereas men tend to have more upper body strength (as examples) but that a woman can train and become much stronger than most men or a man could train and become much more flexible than most women.
she can attempt to do whatever she wants in life and can become the best she is able at whatever.
so why do i tell my daughter this and then come on the forum and read that evidently men need "a mommy to come home to, to do everything for them but wipe their butts."
this is so sexist its ridiculous. if someone told you that you need to wait for a man to come home and do something for you because you are this weak, uncapable woman ... how would YOU feel?
from 09/11 - 05/13
2 ONS, 10 sexting partners, 1 LT EA/PA
??/06/13 DD/1 - admits to LT EA, begin false R.
01/13/14 DD/2 - LTA was PA.
01/18/14 DD/3 - sexting 5 guys.
01/19/14 DD/4 - 2 ONS with different guys
I'm sorry I don't believe that compartmentalizing is an excuse
Compartmentalizing is not an excuse, it explains how many of the WS were able to run their normal lives and their A side-by-side, seemingly effortlessly. It in no way aims to excuse their behaviour.
The way I see it there are 2 areas regarding my husbands infidelity. The WHY and the HOW. WHY he did it involves his selfishness, sense of entitlement, arrogance and his addiction to the image of himself that he saw in OW's eyes (among other things). The HOW involves compartmentalisation, bad boundaries etc etc. NONE of this excuses what he did, what he did is inexcusable and both he and I are well aware of that.
I was erased from his life except as a target to justify his rages so he could stomp out to "date".
I remember being in bed together after Dday and he looked at me, truly looked at me, and commented about how he never noticed my eyebrows before and he complimented them. I was dumbfounded at how truly invisible I had been for years.


text:
- Home ›
- Download ›
- Video ›
- Video players ›
- Corel WinDVD
Corel WinDVD
Editor Corel Corp.
Release 2010 10.0.5.361
A problem?Ask a question
Corel WinDVD is a DVD player developed by Corel Corporation. It offers you a high quality video playback and a more lively and exhilarating experience. It lets you directly watch your DVD videos from your camera or camcorder without downloading them. It also offers an option for capturing, previewing, sharing video clips and capturing screens via e-mail. Corel WinDVD is compatible with Windows 7/Vista/XP.
See also
Knowledge communities.
Add comment
Latest update on Saturday October 8, 2011 05:29:52 AM


text:
While gift cards always work as easy stocking stuffers, here are even more stocking stuffer gift ideas for your kids. Stocking Stuffers for Kids 1. Thinking Putty Creatures Green (ages 3+) Thinking Putty Creatures have a unique texture and come with a pair of big creature eyes. We love our original Thinking Putty building toy and now can't wait to try this expanded … [Read more...]
Holiday Checklist & Giveaway #TRUBatteriesIncluded
Hasbro and Duracell are teaming up with Toys"R"Us to help you get ready for the holidays and save money on this season's hottest toys! From Fur Real Friends to Grimlock Transformers, Toys"R"Us is the perfect one-stop-shop to pick up all the toys on your holiday shopping list… but don't forget the batteries! Last year my girls favorite gift was a Barbie Dream House. We learned … [Read more...]
Christmas Gifts for Kids That Spark Imagination
This year I'm looking to buy Christmas gifts for my kids that spark their imaginations. Gifts that encourage creativity and pretend play. Gifts like these . . . Christmas Gifts for Kids . . . That Spark Imagination 1. Samantha's Starter Collection - Doll and Book Samantha Parkington is BACK! She's kind, generous, and always ready to make a new friend. She has sparkling … [Read more...]
Best Gift Books of 2014
Ready for the best gift books of 2014? This list consists of activity books as well as nonfiction books for kids. Also read: the best chapter books of 2014, the best picture books of 2014, the best board books of 2014, and the best YA books of 2014. Best Activity Books 2014 1. Draw Patterns with Barroux (ages 4+) This colorful activity book and kit includes the Draw … [Read more...]
Best Board Books of 2014
Do you have a baby or toddler who needs a board book? Get him or her one of these recommended best board books of 2014. The Best Board Books from 2014 1. My First Book of Girl Power From Wonder Woman's ability to find the truth to Black Canary's powerful voice to Batgirl's keen mind, readers will find lots of girl power to admire in this unique board book. 2. Super … [Read more...]
Best Chapter Books of 2014
We always give at least one gift that is a book, do you? If you have a child who reads chapter books or YA books, here are my picks for the BEST children's books of 2014. Best Chapter Books 2014 1. The Haunted Library by Dori Hillestad Butler (ages 6 - 9) MYSTERY My daughter and I loved this entertaining new beginning reader chapter book series about a boy ghost, Kaz, … [Read more...]
Best Picture Books of 2014
Don't forget to give your children the gift of a good picture book or ten! Today I'm recommending what I think are the best children's picture books of 2014. The Best Picture Books from 2014 1. It's Okay to Make Mistakes by Todd Parr I love the message of this picture book - that it's okay to make mistakes. In fact not only will this book help remind kids that making … [Read more...]
MySELF Social Emotional Learning Books
MySELF (Social Emotional Learning Foundations) books help children in PreK - 1st grade build both their early literacy skills and social and emotional intelligence skills. When children aquire and apply the skills necessary to manage emotions, set and achieve goals, resolve conflicts, feel empathy for others, and make responsible decisions, this is called social emotional … [Read more...]


text:
Vacaville has 21 athletes competing in individual events and also has three relay teams. Tyler Sickler is running for Will C. Wood in the boys 2-mile, Alex Jenks of Vanden is competing in the girls 800 meters, and Vacaville Christian's Payton Osborne qualified for the high jump.
"That's a pretty good testament about where this team is and puts them in a very good spot," Vacaville head coach Mike Papadopoulos said of his team. "A lot of kids are in that window for a chance to get a ticket to the state meet."
Field events at Elk Grove High School begin today at 3 p.m. with running prelims set for 4. Friday's finals begin with the boys pole vault at 2 p.m. and running events to follow at 6. The top three finishers in each event qualify for the California Interscholastic Federation state meet in Clovis on June 1-2.
The top contenders for Vacaville come in the 1,600-meter relay events where both the boys and girls are the top qualifiers. Vacaville's David Mewborn, Daniel Mewborn, Ime Edokpayi and Tanner Mahoney race a 3:21.24 last week. Dario Cook, Pattriana Perry, Katie Gomez and Jordan Guerrero clocked a school record (3:57.54).
Curtis Bleasdale should better his second-place throw of 166-6 last week in the discus.
Reed White finished second at section in the pole vault with a best of 15-2, though he nearly cleared 16 feet. White also qualified in the long jump.
Cook and Perry continue their quest in the girls hurdles. Cook and Perry finished second and third, respectively, to Fairfield's Daje Pugh in both the 110 and 300 hurdles and continue to lower their times as the trio could very well all land in the state meet together. Cook is also in the triple jump.
Edokpayi has qualified for both boys hurdle events. Nia Vance advanced in the girls 110 hurdles, along with the triple jump and long jump.
The sprints feature plenty of Bulldogs with Melvin Mason and David Mewborn in the 100 and 200, Daniel Mewborn in the 400 and Tanner Mahoney in the 800.
Sickler finished fifth in the 2-mile last week with Vacaville's Jordan Kurtz right behind him in sixth. Both hope to move up and earn a trip to state.
The high jump has Carly Nelson and Sierra Kennedy in the girls event with Danny Shellworth among the boys. Chase Waldren and Zachary Landaker are jumping in the boys pole vault, as is Guerrero with the girls.
Vacaville is again strong in the weights. Victoria Dickerson won the discus last week and also advanced in the shot put. Brandi French and Angel Soutsavang also moved on in the shot put. Eric Gabbard joins Bleasdale in the shot put.
Vacaville also has its boys 400 relay team, which finished second last week, featuring Mason, Edokpayi and the Mewborns.


text: One of the most dangerous aspects of a burn is the risk of a secondary infection that comes with the burn. Burns not only remove skin, which acts as a protective layer to keep out bacteria, but burns also limit the pathways used by the body to transport antibacterial substances to the injured area. One of the biggest difficulties in determining if a burn has become infected is that the burn itself will produce many symptoms that normally indicate an infection. Most burns will produce a slight fever. The difference between a burn and an infection is the severity of the fever, and also when it is present. In most cases the fever from the burn will be less than 100 degrees, and will occur in the first 24 hours and then gradually subside. If the burn becomes infected, the fever will continue to rise above 100 degress and last past the initial 24 hours following the burn. Another sign of a burn and infection is redness around the site of the burn. Immediately after a burn, the injured tissue will obviously display redness, but the area surrounding the burn will also turn red as the waste materials from the dead cells ultimately kill the cells in the tissue immediately around the burn. This will occur in the first 24 hours, and it is not unusual for large areas around the original burn to become dicolored. This area, however, should shrink rather rapidly after the 24 hours. But if the burn has become infected, the red area around the burn will continue to expand well past the initial 24 hours. If this is a small burn that you don´t feel requires immediate medical attention, it is still wise to use a pen to draw marks at the outer boundary of the reddened area just o be sure that it is not expanding. For more information, please see www.explain-health.com/burn-infected-signs-symptoms.html


text:
Can You Contract HIV From Cut On Lip
Here's a taste of what TheBody.com has to offer on this topic:
Ask the Experts
Oral sex with sex worker and a cut lipDear Dr. Frascino,I am going nutz thinking about whether I have contracted hiv. To be brief, here is my situation. That night I had a very chapped lips which I pealed this one little area that was most irritating and it bled for a bit until it...
Response from Robert J. Frascino, M.D.
The Robert James Frascino AIDS FoundationHello,I'll be brief, because I'm in complete agreement with the assessment of your physician.First the facts:1.Oral sex (cunnilingus) carries an extremely small risk for HIV transmission, even with the "pealed one little area" on... Read more »
kissed on cheek with cut on liphi, Doctor my mother has hiv and i love her dearly but sadly i have concerns and questions about... Read more »
Extremely frustrated about Cuts and a broken blister on the lips while sharing a bong.Dear DocI'm a male and 2 days ago I smoked with my friends sharing a mini bong and a... Read more »
Cuts for AIDS Agency in British Columbia as Interior Health Spreads Money to Other ProvidersInterior Health has cut 55 percent of funding from its contract with Living Positive Resource Center, which provides AIDS services in Kelowna to more than 200 clients. While LPRC's contract extends through June 30, it has had to eliminate one... Read more »
San Francisco Postpones Agency Cuts, Los Angeles AIDS Clearinghouse ClosesSan Francisco health officials "have postponed cutting" contracts for HIV/AIDS programs "until mid-October in order to give the Board of Supervisors time to respond to" larger cuts to services made by the state, the Bay Area Reporter reports.... Read more »
California: New HIV Contracts Set to Start in San FranciscoWith renewed service contracts for community groups in place as of Sept. 1, San Francisco's new HIV prevention strategy, which places heightened emphasis on testing, as well as linking those infected to care and treatment, is gaining sharper focus.... Read more »
Proponents of Female Genital Cutting in Kenya Promoting it as HIV Prevention MethodSome proponents of female genital cutting in Kisii, Kenya, are claiming that the practice will reduce a woman's risk of contracting HIV, IRIN/ PlusNews reports. These proponents say FGC prevents HIV because women will have reduced sexual desire... Read more »
Connect With Others
had cut on lips sucking breast and smooch
Posted by morden, 1 Replyon 26th of Sep i sucked one breast of women twice first time for 10second and second time for one and half minutes. I sacked her nipple and tasted something weird maybe blood or milk or fluid. but i m not sure when i was sucking her breast my mouth... Read more »
lip sores unprotected oral hiv risk
Posted by smkl, 1 ReplyHello
I am aware that risk from unprotected insertive fellatio is relatively lower.
But what is freaking me out is that post the episode- I discovered a single sore on the inside of her lips- it was not red or yellow, but just as the same texture and... Read more »
Did I contract HIV....Really Worried
Posted by Jase, 2 RepliesHello everyone, I have an Hiv positive family member of which she is positive and I came across a situation whereby I had to bath her coz she cannot do it because they operated her hands so they still healing, so I washed her face and half body with... Read more »
Penis Glans and the risk of contracting HIV
Posted by dopey33, 3 RepliesI am seriously concerned. Yesterday, I had a guy give me a blow job and then we masterbated each other. The thing that concerns me is that some of his cum ended on my penis when he finished. Although the cum landed in the middle on my penis, it... Read more »
Guides for People With HIV


text:
Hour 2
High School Refs Arrested In Game
10-15-2013: Brett Jensen talks about the wild story of two high school refs near New Orleans that were arrested in the middle of the game, as well as a supplement drink that's not safe.
What Does The Panthers' Win Mean
10-14-2013: Brett Jensen and co-host Dre Bly discuss what Carolina's big win over Minnesota mean going forward in the big picture.
ACC Hoops Hall of Fame
Brett and co-host Stan Olson talk to Dan Collins of the Winston-Salem Journal about his new book on those that should be in and out of the mythical ACC Basketball Hall of Fame.
Complete Panthers Breakdown With Joe Person
On The Beat With Brett Jensen, Hour 2, 7-24-13: Charlotte Observer's Panther beat writer Joe Person sits in with Brett Jensen to do a thorough and complete breakdown of the Panthers heading into training camp.
Tripucka In Studio With Brett Jensen, Talks Old Hornets Days
On The Beat With Brett Jensen Hour 2 7-18-13: Charlotte's first big star, Kelly Trupicka, sits in studio with Brett Jensen to discuss what the Hornets meant to him and what it was like playing in the Queen City.
Charles Barkley Talks Bobcats, NBA On OTB
On The Beat With Brett Jensen Hour 2 5-20-13: Charles Barkley joins Brett Jensen and Mike Gminski to discuss what's going on with the Bobcats, who they should hire as coach and what he thinks about Kemba Walker.
What Teams Spend On Recruiting; Wealthiest Owners
On The Beat With Brett Jensen Hour 2 3-6-13: Brett Jensen and co-host Ryan McGee of ESPN reveal how much money each university says it spends on recruiting.
Erik Spanberg Talks Future Sports Possibilities For CLT
On The Beat With Brett Jensen 2-28-13: Erik Spanberg of the Charlotte Business Journal spends a few minutes with Brett Jensen to discuss Charlotte's chances of hosting the 2016 NBA All-Star Game, the Olympics in 2024, a soccer match between Manchester United and Liverpool at Bank of America Stadium, and where the stadium's renovations stand.
Joe Person Talks Who Panthers Likely To Cut
On The Beat With Brett Jensen Hour 2, 2-27-13: Brett Jensen and co-host Joe Person, Carolina Panthers beat writer for the Charlotte Observer, discuss the future of the Panthers and who is likely to be cut within the next two weeks to make room for the salary cap.
Some ACC Football Schedules Are A Joke
On The Beat With Brett Jensen Hour 2, 2-26-13: Brett Jensen breaks down all 14 teams in the ACC on how their non-conference football schedule looks and which teams should be ashamed of themselves for scheduling ridiculous opponents.


text:
November 26, 2014
Stay up-to-date with KAKE News:
Sunday, October 14, 2012
The town of Sedgwick showed their support for the Sowell family by raising more than $18,000 to help them recover from the October 6th accident.
Taylor Sowell, 18, was killed in Harvey County when a train struck the car she was riding with her husband and brother. On Sunday, the community remembered the mother to 8-month-old Laken and wife to Dylan Sowell.
"Everybody's just opened their hearts and been so generous. I can't even put into words how much we appreciate it," said Stacey Luke, Dylan's mother.
The newlyweds had been together for nearly three years.
"It's going to be tough. I mean so many people loved Taylor, Dylan, and Laken. They were so close to them. They had a huge impact on so many people," said Luke.
At the benefit dinner and auction, friends of the high school sweethearts and community members who heard about the tragedy, came out to show the baby girl that the community cared.
"I think it's a small community. People pull together and do what they can to help the people that need the help," said Judy Shreuner, who attended the fundraiser.
The community hopes that baby Laken will someday know that the community was there for her family and will continue to be there for her in the future.
"If she ever needs help with anything that her mom and dad's hometown is a skip and a jump away and that she can come back for anything that she ever needs," said Kirsten Liby, friend.
A memorial fund has been set up for the family. Donations can be sent to the Taylor Malek Sowell Memorial Fund at Legacy Bank, 514 N. Commercial, Sedgwick, KS 67135.
For updates on the family, click here.
Click Here to access the online Public Inspection File
Viewers with disabilities can get assistance accessing this station's FCC Public Inspection File by contacting the station with the information listed below. Questions or concerns relating to the accessibility of the FCC's online public file system should be directed to the FCC at 888-225-5322, 888-835-5322 (TTY), or firstname.lastname@example.com.


text:
|NSFW Content
|User Rankings
|Original Content
|Funny Pictures
|Funny Videos
|Funny GIFs
|YouTube Videos
|RSS Feeds
Men's Brain
toonholekramer Channel: toonhole
Snap out of it!
and check out You need to login to view this link for moar.
Top Rated Controversial Best Lowest Rated Newest Per page:Order:
What do you think? Give us your opinion. Anonymous comments allowed.
#9 - seymourtets (07/25/2013) [+] (15 replies)
Could someone explain I don't get it
#10 to #9 - konradkurze (07/25/2013) [-]
#1 - teranin ONLINE (07/24/2013) [+] (9 replies)I did not see that coming
#32 - tabarzins (07/25/2013) [-]one does not simply stop thinking with his penis
#7 - omegaominous (07/25/2013) [-]
**omegaominous rolled a random image posted in comment #5167000 at Furries ** huzzah!


text:
The searing historical epic "12 Years a Slave" and the con-artist caper "American Hustle" lead the 71st annual Golden Globes with seven nominations each.
So who do you think should win? Take these polls to make your picks.
• Readers: Frequently Asked Questions about our new commenting system. Please let us know what you think.


text:
Welcome International Customers
We're excited to share our jewelry collection with you!
Just choose your country and currency to personalize your shopping experience.
We're excited to share our jewelry collection with you!
Just choose your country and currency to personalize your shopping experience.
14kt Rose Gold Circle-Link Necklace
Our Price from: $550.00
Andiamo 14kt Yellow Gold Puffed Link Necklace
Our Price from: $895.00
.25 ct. t.w. Diamond Rolo-Link Necklace in Sterling Silver
Our Price from: $495.00
Andiamo 14kt Yellow Gold Marine-Link Necklace
Our Price from: $695.00
Item#: 833245
Classic cable link necklace, elevated to statement status. Black rhodium enhances the drama of the black diamond links and provides contrast for the alternating white diamond links. Total diamond weight is 2.68 carats. Lobster clasp, sterling silver necklace.
Due to the incredible value on your selection, no additional discounts apply.
Details Gift
Box Our 100%
3/8 inch
Sterling STERLING SILVER: Also known as "Standard Silver," sterling silver is silver alloyed with other metals to increase the hardness and durability. Generally, sterling is 92.5% silver and 7.5% other metals. Some sterling silver jewelry is plated with 14kt-18kt gold and referred to as "vermeil," or "gold over sterling." Silver
Polished POLISHED: A buffed-out finish used to produce a mirror-like shine.
Lobster LOBSTER CLASP: named after the pinching style of the hook, this clasp is often shaped like a lobster's claw. Use your finger to work the lever to open the clasp.
Stone 1:
Diamond Diamond: The hardest and most brilliant of all gemstones, a diamond can make the heart race with its pure and fiery spark. An ancient symbol of love, a diamond is the preferred gemstone for tokens of affection, such as rings, earrings, necklaces and bracelets. Diamond is the birthstone for April. (Quantity: 198, Shape & Cutting Style: Round Single-Cut, SINGLE-CUT: A gemstone cutting technique that dates back to the 1300s. Still used today, the single-cut usually features 18 facets that go in one direction without crossing each other. Color Grade: I-J, Clarity: I1-I3, Weight: 0.48 ct. t.w.)
Stone 2:
Diamond (Color: Black, Quantity: 198, Shape & Cutting Style: Round, Weight: 2.20 ct. t.w.)
All weights and measures are approximate.
Recently Viewed Items
You May Also Like
Sterling Silver and 14kt Yellow Gold Bracelet
Our Price from: $495.00
14kt Yellow Gold Oval-Link Bracelet
RSVP from: $365.00
14kt Yellow Gold Woven-Link Bracelet
RSVP from: $695.00
14kt Yellow Gold Woven-Link Bracelet
Clearance from: $895.00
14kt Yellow Gold Wide Wheat-Link Bracelet
RSVP from: $1,195.00
Learn More About: Diamond Buying Guide Sterling Silver Polished Finish Lobster Clasp Diamond


text:
RRP £19.99 Now £12.99 You save £7.00
- Select a size to add to your wishlist
Nike Mens Speed Tack Insulated Glove in Black. Baseball Glove, adjustable velcro fastening, Nike branding to front, Nike FITDRY technology. Leather & Synthetic.
- Delivery info
- Standard Delivery £3.95 (3-5 working days)
Next Day Delivery £5.95
(see terms and conditions for full details) View Full Delivery Policy
- Returns info
- If you are unhappy with your purchase for any reason, return it to us (unworn) within 21 days and we'll give you a full refund or exchange (see terms and conditions for full details)
View Full Returns Policy


text:
How Do Instructional Designers Use Theory? A Qualitative - Developmental Study of the Integration of Theory and Technology Stephen C. Yanchar, Joseph B. South, David ...Test this site now
DC Nation Comics: Get DC Nation comic book information and read free DC Nation online comic books featuring characters from the DC UniverseTest this site now
Bodybuilding Supplements information and reviews ... Anyhow, it has been proved that various body building supplements ... Monster Milk Protein: Muscle Smoothie: Whey Protein by ...Test this site now
Holt Science and Technology: Physics: Datasheets and Lab Book With Answer Key by Winston Rinehart; Holt - Find this book online from $0.99. Get new, rare amp; used books ...Test this site now
holt science and technology interactive textbook answer key holt rinehart amp; winston (manufactured by) ... and technology florida: fcat workbook holt science and ...Test this site now
Pub. Date: July 2000 Publisher: Harcourt College Publishers Series: Holt Science and Technology Series ISBN-13: 9780030519499 ISBN: 0030519497 Edition Description ...Test this site now
The Integrated Academy of Management and Technology ... Shiromani Sharma, IAS (Retd) Former Union Home ... Economics: Holds PhD and Masters in Economics. Has over 10 ...Test this site now
Minnesota Conciliation Court Information and Forms: Easy-to-use, well-organized information. Hundreds of legal and government topics. Browse or search. State and ...Test this site now
Green Valley, AZ gt; Green Valley News amp; Announcements gt; The Power of a Single Vote - Green Valley Election Information and Polling PlacesTest this site now
Series on Semiconductor Science and Technology #12 ... Sell Books. Sell Books ... Computer Engineering Subject: Semiconductor nuclear counters Subject: Technology | ElectricalTest this site now
This release is completed and signed of my own free will for the sole purpose ... Medical Release, Emergency Information and Transportation Consent Form AuthorTest this site now
Bayblu Seafood Restaurant information and reviews. Overlooking the Shipwright and Kogarah bays, this fine-dining establishment is a sumptuous feast, both culinary and ...Test this site now
Details of Institute of Management And Technology Ghaziabad MCA ... IMT, GHAZIABAD. MCA Syllabus. ELIGIBILITY. Bachelors Degree in any discipline with mathematics at ...Test this site now
Patient Information and Forms. New patients should arrive at least 15 minutes early so that your initial paperwork can be completed and entered into our systems.Test this site now
List of convocation certificates received from University ... of the same. In house Development by MANDAR. Finolex Academy of Management and Technology, Ratnagiri.Test this site now
... to see the Information and Technology news, and Superstars ... Many unwary spa buyers lose cash deposits and never ... Cara dapat Kredit Gratis dari Facebook Pasang Kotak ...Test this site now
All information about movies 2k to. Find here all interesting website information and links about movies 2k to.Test this site now


text:
Guayakí Yerba Mate - A Powerful Rainforest Experience
Featured Artist: Champoy
His work: Champoy mainly draws complex comics in color, and occasionally also designs tattoos. He designed this mystical third eye gourd for a special limited-edition t-shirt run.
Favorite Guayaki Yerba Mate: Raspberry Terere and Mate Chocolatte.
His story: Champoy was born and raised in the Philippines, in the town of Camp Phillips, Bukidnon, which was "surrounded by an ocean of pineapples that went on as far as the eyes could see," he says. "As a child, I always wondered about the kind of world that existed beyond those fields." Champoy came to the U.S. in 2002 and lives in Historic West Adams, South Central Los Angeles.
What he loves about yerba mate: "Mate gives me the clarity I need to get work done. A clear high."
Where to catch him: Follow his flow on Tumblr.


text:
north corner of 400 east and 3900 south
Call us today at 1-877-433-9249
Make updates to your business profile 24/7
We take the hassle out of home repairs. Our 24 hour service, our clean, well trained technicians, plus our well stocked vans will provide a service experience beyond your expectations.
DexKnows Mobile profile for Manwill Heating & Air Conditioning in Salt Lake City, UT.


text:
The Ginger Man
- Address:
64 Greenwich Avenue
Greenwich, CT 06830Neighborhood:
- Cuisine:
AmericanPrice: $30 and under
The Ginger Man
- Dining Style: Casual Dining
- Website: http://www.gingermangreenwich.com/
- Phone: (203) 861-6400
- Hours of Operation:
Lunch: Daily: 11:45am - 5:00pm; Dinner: Monday - Thursday: 5:00pm - 10:00pm, Friday - Saturday: 5:00pm - 11:00pm, Sunday: 5:00pm - 9:00pm; Brunch: Saturday - Sunday: 11:45am - 3:00pm
- Payment Options: AMEX,MasterCard,Visa
- Cuisine: American
- Executive Chef: Bart Tracy
- Dress Code: Casual Dress
- Accepts Walk-Ins: Yes
- Additional Details: Banquet/Private Rooms, Bar Dining, Bar/Lounge, Beer, Fireplace, Full Bar, Late Night, Non-Smoking Restaurant, Personal wines welcome (corkage fee applies), Private Room, Weekend Brunch, Wheelchair Access, Wine
- Catering: Contact us to plan your next catered event, private, corporate, large or small. Please contact our Event Coordinator Amy Rauch for catering menus and more information.
A word from The Ginger Man
The Ginger Man opened in Greenwich in August of 2002 and instantly became one of the area's most popular restaurants. Known for its warm and inviting atmosphere, the Ginger Man is a favorite among Greenwich locals and neighboring communities. Whether you are looking for a quick burger (maybe the best burger anywhere!), sandwich, or salad with friends or an intimate dinner at a table by the fireplace, The Ginger Man offers you a unique dining experience.Continued
The Ginger Man's menu accommodates people of all ages with everything from grilled cheese to entrée-sized salads and two to three fish selections daily. The restaurant still uses a real butcher from the New York City marketplace to hand pick its steaks and blend that special mix for its famous burgers.
The Ginger Man features 23 taps, 80+ bottles and a well chosen wine list from small and large Vineyards around the world. The Ginger Man's burgers and beers were voted "best burger" and "best beer selection."
The Ginger Man's menu accommodates people of all ages with everything from grilled cheese to entrée-sized salads and two to three fish selections daily. The restaurant still uses a real butcher from the New York City marketplace to hand pick its steaks and blend that special mix for its famous burgers.
The Ginger Man features 23 taps, 80+ bottles and a well chosen wine list from small and large Vineyards around the world. The Ginger Man's burgers and beers were voted "best burger" and "best beer selection."
Foodspotting photosSee all photos
Awards voted by OpenTable diners
- Diners' Choice WinnerGreat for Lunch
The Ginger Man - Best Restaurants in Greenwich ›
The Ginger Man reviews from OpenTable diners
44 reviews since July 31, 2014
- Food3.8Service3.9
- Ambiance4Noise LevelModerate
neighborhood gem (24)vibrant bar scene (18)great for lunch (15)good for groups (15)great for brunch (11)kid-friendly (10)romantic (9)fit for foodies (7)hot spot (5)late-night find (5)special occasion (2)notable wine list (2)scenic view (1)Show More
- Perfect brunch w friends or familyOpenTable Diner Since 2007VIPDined on 11/23/2014Went w a large group including a few kids. Food was great- lots of menu options made it tough to decide. The atmosphere was perfect for the group. No problem accommodating a large party or the kids. Making this a regular.Special Features:I would recommend this to a friend.
- Perfect family dinner with teensNightoutDined on 11/22/2014Great menu selection. Everyone really liked their meal. Casual and comfortable ambiance, although a little loud.Special Features:I would recommend this to a friend.
- enjoyable chainOpenTable Diner Since 2014Dined on 11/13/2014I have been to the chain a few times. The restaurant could be a bit brighter, but besides that the ambiance is nice. Great beer selection and sever recommendations. Menu is a bit expensive but food was well prepared.I would recommend this to a friend.
- Better than OK, not outstanding.OpenTable Diner Since 2004Dined on 10/27/2014Food was good, risotto portion much too big and seemed reheated (i.e. not hot enough all the way through). French fries were very good. Friends had mussels, soup, I think a burger, everyone ate enthusiastically. Excellent selection of draught beers. This is probably the real reason to go here :-) All in all quite satisfactory. Wouldn't hesitate to go back.Special Features:
- JakeVIPDined on 10/16/2014Good and reliable. Not very imaginative menu. great beer selection. Good for sports fans with the tvs.Special Features:
- OpenTable Diner Since 2008Dined on 10/12/2014Pleasant brunch. Kitchen slow, but service staff very friendly and concernedSpecial Features:
- Just okSunnyVIPDined on 9/29/2014Four of us went to dinner on a quiet Monday night. Food was ok but not exquisite- sausage meal, ginerman steak and fish and chips. Service was very good.Special Features:I would recommend this to a friend.
- Lovely EveningpakoDined on 9/16/2014My guest and I were seated on arrival for our reservation; the wait staff was immediately attentive; the menu was attractively presented, and the choices were many; the food was promptly delivered, and was delicious. All in all, an evening where the restaurant did not get in the way of my evening.Special Features:
- Lala1dinesVIPDined on 8/21/2014I was overall disappointed! It is a fairly pricy restaurant on a main street in town, however it had the quality of "fast food" place with screaming kids running around... Quinoa salad was nice and generously portioned, however chicken Panini dish was almost unacceptable: chicken was dry, obviously overcooked and French fries "soggy", very dark with a bitter taste and totally unappealing (if I did not have a company, I would had returned the dish!). With time, place filled with clients coming for a drink at the bar and, it became so crowded and noisy that we just left. The only good experience I had, was our waiter... I might recommend this place with reservation but I doubt that I would like to try it again myself.Special Features:I would recommend this to a friend.
- Always GoodPeterMVIPDined on 8/17/2014We like to have brunch at the Ginger Man and do so often. We were surprised to find that the upstairs room was being painted while the restaurant was open for business fortunately sitting in the backroom the fumes did not interfere with one more enjoyable brunch.Special Features:
- FOOD/SERVICEDonnaDined on 8/5/2014FOOD WAS GOOD WITH A GOOD SIZE MENU. THEY HAVE ALOT OF BEERS TO CHOOSE FROM IF YOU ARE A BEER DRINKER. THEY ALSO HAVE NICE WINES & COCKTAILS. FOOD IS GOOD, MODERATELY PRICED. WHILE OUR SERVER WASN'T TERRIBLE HE COULD HAVE BEEN A LITTLE MORE ATTENTIVE. THE ATMOSPHERE IS NICE WITH TWO FLOORS OF DINING AND A PRETTY DECENT SIZE BAR AREA.Special Features:
- DebbieVIPDined on 8/2/2014Always a good meal! Great local place, reasonable prices, great menu selection. Never disappointed.Special Features:I would recommend this to a friend.
- The following 225 reviews are from the The Ginger Man reviews archive.
- casual midweek dinnerOpenTable Diner Since 2012VIPDined on 7/9/2014the food in avarege? good, the prosciutto mozzarella flat bread was delicious!!, the bar steak was good and the crab cake sandwich was ok, let's be clear... it wasnt bad lt is just thst i had betterSpecial Features:
- Second time for Sunday BrunchTessieVIPDined on 6/22/2014Sun, June 22 was my 2nd time at Ginger Man for brunch We there in early March, dined solo. Sat at the bar. that time had the BEST omelet - goat cheese, red peppers, spinach. It came with crisp potatoes The food was HOT. The blood mary's were excellent - Darren was the bartender. Yesterday was DIFFERENT. Now it's summer so less people, less crowded and that part was good. But Darren was not bartending. The bloodies were still good (they have a special recipe for them) I ordered the same omelet as last time. But the dish did NOT come out the same. The omelet was "luke warm", not hot and the potatoes were not nicely done as last time. Different kitchen staff for sure. Will still return.Special Features:
- Great shepherds pieNicoleandToddDined on 5/30/2014The food is awesome and our server was very attentive. The only issue is that upon walking in after making a reservation on open table I was told they do not accept reservations and it's a first come first serve, find your own seat type of place. So I was a little annoyed when I had to stand around like a fool. But as always the beer is great and the food was amazing! Highly recommend the shepherds pie and the garlic Parmesan pretzel! Enjoy!Special Features:I would recommend this to a friend.
- ComfywiedVIPDined on 5/28/2014If you like craft beers, tasty Irish food, and a cozy atmosphere, this casual, relaxed pub-like restaurant is for you. Friendly, with great service...there is nothing in this experience not to like.Special Features:
- AandBdiningVIPDined on 5/22/2014Have been to the restaurant many times for lunch. Though had an enjoyable experience, the menu keeps changing and not for the better. They used to have a delicious lobster salad....gone. They used to offer a quinoa and feta salad ....gone. Mussels in wine....gone. Please bring back some of these deleted items. On a positive note their grilled chicken is delicious and plentiful and the pizza looked delicious.Special Features:
- Upscale bistro type placeAckreportsDined on 5/17/2014Friendly place with lot of good energy. Varied menu with bistro fare. Salad well prepared. Great beer options. Been back several times and service me staff excellent each timeSpecial Features:I would recommend this to a friend.
- Disappointing...DrHoyaDined on 5/16/2014Same name as the "Ginger Man" in Manhattan but nowhere near the quality or selection of beers as the one in the city. Didn't even have a ginger brew on the menu, a staple of the restaurant. Spoke to the waiter and found out that "it's the same concept but different owners and doesn't carry the same stuff" which translates to "the original ginger man has a great reputation amongst business people in the city so let's use the name to attract commuters." If you're looking for the same experience as the one in the city, save your time and money because you'll be disappointed.
- Great night outOpenTable Diner Since 2013Dined on 4/20/2014We have been to The Gingerman a few times and are never disappointed. The food is good, the service is quick, the atmosphere is lovely. We always ask for the back room so it is definitely quit in there and allows for some good conversation and ambience.Special Features:
- Excellent ChoiceOpenTable Diner Since 2014Dined on 4/20/2014Had a delicious Sunday brunch with very good service. Have also been for drinks in the evening and had several positive experiences. Would recommend!Special Features:I would recommend this to a friend.
- Where's the? . . .essjaebeeVIPDined on 4/19/2014I ordered a Burrata + Prosciutto salad which had a few measly little daubs of burrata, though the salad and prosciutto were tasty. My husband ordered the avocado + quinoa salad . . . no avocado. But the quinoa salad was tasty. Seems like whoever gets a last look at the dishes was napping. Otherwise a nice meal
- Our first visitRadiodaDined on 3/30/2014This was spontaneous visit. Maybe hungry and in the area. The Ginger Man was a very pleasant surprise! A cozy fireplace, very expert and pleasant service, comfortable ambience, an amazing beer menu and great food make this a place that we will definitely visit again.Special Features:I would recommend this to a friend.
- Old Stand-byPeterMVIPDined on 3/16/2014Whenever we can't make our minds up where we want to eat,, Ginger Man is a no-brainer, never a bad dish, great beers and ales on tap and the service is always just fine.Special Features:I would recommend this to a friend.
- Greenwich gastro-pub!OpenTable Diner Since 2010Dined on 3/13/2014Creative menu that is well executed. Attentive, friendly, knowledgable service (made excellent recommendations). Fun bar scene!Special Features:I would recommend this to a friend.
- Always a great experienceSassafrasDined on 2/22/2014Everything we have is always good, I highly recommend splitting a side order of mac and cheese to start the meal off with.Special Features:I would recommend this to a friend.
- Great Food, Reasonable PricesHungryGalDined on 2/20/2014I was very surprized when I was at the bar at how friendly the bar people were. I was waiting for 2 girlfriends and ordered a drink at the bar. The bartender engaged in a pleasant conversation which brought in the person next to me and before you knew it I was engaged in conversation with 3 people. My friend came and we were shown to a really nice table by the fireplace, super comfy seating. The food was excellent and service was great. Prices are reasonable and we had a really nice time. I would highly recommend this restaurant to people of all ages.Special Features:
- Great food, ambiance, and serviceJeffdeDined on 2/14/2014The Ginger Man is a really great experience, especially if you're seated either near the fireplace or upstairs. We had neither, but still had a more than enjoyable experience on valentines day. The service more than made up for a slightly sub par dining location under the stairs. I mean, not everyone can have the perfect table, so no hard feelings there. The staff was courteous, responsive, and fast. I commented on how good the raspberry cheesecake sounded while ordering our entree, and confirmed we would be having it for dessert. Literally 120 seconds after taking our plates, and without further prompting, our raspberry cheesecake appeared. Magnificent!Special Features:I would recommend this to a friend.
- Generic with ShortfallsJayfranDined on 2/1/2014It was exciting sitting near the old fireplace surrounded by a warm atmosphere in Greenwich, thinking this is gonna be terrific comforting high end pub food. Wrong. The starter, an "artichoke dip" was watery underseasoned sourcream with maybe some small chunks of something possibly artichoke but kept swimming away off the chip. The half chicken so oversalted it could not be half-finished. Same for the greens: overcooked in oil and tons of salt. The only saving grace: fresh fries. So just because this place has been around the block and is in lovely downtown Greenwich, doesn't mean can let quality slip, slip, slip away--cuz so will us diners!
- Lots of Options at Ginger ManStamfordResidentVIPDined on 1/29/2014Great for groups -- so many choices for food and drinks that this place will please everyone. Service was slower than we would have liked-- waiter had too many tables to serve and was very busy. Food quality is above average bar food, nothing crazy. Beers and drink options are great. It's a definite go-to spot for friends.Special Features:
- the plus & the minusjoesDined on 1/22/2014the beer menu is excellent, and the beer menu informative. it helps greatly the alcohol content % is noted for those who don't like their beer too strong. the food menu is good but not for those on a vegan diet. i asked the server to hold the crumbled goat cheese from my salad and they were fine with that. but would be great if the gingerman had 1 or 2 vegan options on the menu,.. maybe even 1 vegan salad & 1 vegan entree. overall though i would still go back... i especially like the quieter upstairs dining room, but it was booked for a private function.Special Features:I would recommend this to a friend.
- Always goodFurgieDined on 1/19/2014I know I can always count on this local spot for great service, consistently good food and a warm inviting environment. I was sorry to see that some of my winter favorites like the Guinness beef stew were taken off the menu but dinner was lovely as usual and good quality and quantity for the money.Special Features:I would recommend this to a friend.
- Must Try & Will Return!LuvTTown123Dined on 1/18/2014The Ginger Man(GM) in Greenwich, CT was such a wonderful dining experience! Yearly, we plan a dinner out with our husbands, and this January, The Ginger Man was the location! Perfect choice! Although they didn't need to, they saved our table for us, even though we arrived about 30min. AFTER our reservation time..Tnx GM! Our waiter, Rodney, was attentive, knowledgeable about the menu items and present throughout the two and a half hours we were there! The choice of food items was extensive and every one of our choices were delicious! The boys enjoyed amazing beer from an extensive list, and we were able to bring our own wine (have a large collection at home:) The fireside table added the perfect touch to the dinner! We'll soon return!Special Features:I would recommend this to a friend.
- DisappointedOpenTable Diner Since 2009VIPDined on 1/18/2014I have often eaten at GM and was looking forward to a great burger. On this visit (Saturday night) both my husband and I were disappointed. GM just didn't love up to its previous good eats. The burgers lacked the grilled flavor we love and even the fires, usually a stand out, were "off". Everything was good but not great. Commendations do go to our server who guided my beer selection….and it was excellent!Special Features:
- Nice, but very slow serviceOpenTable Diner Since 2007Dined on 1/12/2014Nice Brunch, but we waited nearly 45 minutes for our meal. That is unacceptable. Nice selection for Brunch however and everyone at our table was pleased. Eventually.Special Features:
- Very good place to have lunchOpenTable Diner Since 2011Dined on 1/9/2014Very good place to have lunch with a friend (s).....dining room with fireplace , great on a cold wintry day. Cozy and perfect in a building of old architecture . good menu & food.Special Features:
- Gastro-PubKenFDined on 12/30/2013This place reminds me a bit of the gastro pubs one would find in London. The food is all very good in an upscale pub kind of way. The service is, well, pub-ish. But the most impressive thing about this place is its ambience. The rear room with the fireplace has a feeling of a much more upscale dining spot. The bar is quite lively and warm with its wood tones. If craft beer is what you are about then this is your place. If you prefer wine, I think the bottle choices are better than their by-the-glass offerings which could use some improvement.Special Features:I would recommend this to a friend.
- Great experience!OpenTable Diner Since 2009Dined on 12/30/2013The food was excellent and they did not rush us. It was great to sit and talk and eat. The fireplace gave it a great something special.Special Features:I would recommend this to a friend.
- Can't go wrongAlexDined on 12/28/2013Charming little spot, lovely roaring fire, good menu and food up to expectations. Definitely going back.Special Features:I would recommend this to a friend.
- Terrific burgers and lots of beersWillVIPDined on 12/27/2013While there are lots of choices on the menu, we were looking for a good place in Greenwich to have a burger. We found it. Excellent burgers and very tasty hand cut fries. The beer list, both on draft and in the bottle, is imaginative and extensive. The service was good too. If you want a quieter table, ask to sit upstairs. If you don't mind the hustle and bustle of a busy bar crowd, you'll be very happy downstairs.Special Features:


text:
Wine Search
Search Results
Click on any name below for more info including weblinks, email addresses, and info on retailers who carry many of these products.
Please note: We review wine, beer, and spirits. We don't sell it. Prices may vary significantly due to shipping fees and state taxes, and some items may be hard to find.
Recent Reviews - The following reviews were conducted in the last year. Below are 1 through 1 of the 1 recent reviews found.
89 • Don Rodolfo 2013 Moscato, Mendoza $10. Best Buy. Sustainable Agriculture
Golden yellow color. Aromas of tapioca, honeyed apricot, and pear pasty with a fruity sweet medium body and a tangy candied orange and apple finish. A clean and refreshing off-dry sipper. (tasted on Dec-16-2013)
Older Reviews - No reviews were found that were conducted within the last 12 to 0.000000 months. To find older reviews, please expand your search range in the Miscellaneous Options section of the search form. To find all reviews conducted in the last 60 months, click here.|Find-a-Wine|
354 ms


text:
Home » News » Education
Activist appointed to state Board of Education
- Drew Cline: GOP missed opportunities could mean trouble on Tuesday - 10
- Drew Cline: Two weeks before the election, no one is talking about guns - 26
- Drew Cline: In New Hampshire, 'hope and change' has become 'duck and run' - 26
- Drew Cline: Bill Gardner knows that voter fraud happens in New Hampshire. - 13
- Drew Cline: When Republicans turn off Republicans - 22
- Drew Cline: A few takeaways from Tuesday's Republican primaries - 4
- Drew Cline: Small sleights of hand in Republican primaries around NH - 3
Drew Cline: The GOP left its big NH star to fend for herselfREADER COMMENTS: 14
- Dave D'Onofrio's Patriots Notebook: It took a while, but now they're on Wright track - 0
- Newmarket blacksmith has forged a career shaping the elementsof steel - 0
- Kathy Sullivan: We need to rethink some of our county government positions - 0
- Pipes and plans: A chance to show up Mass. - 0
- H.S. Football Power Poll: No doubt - Astros finish on top - 0
- College Hockey: Wildcats home to RPI on Tuesday night - 0
- Manchester school board OK's contract for driver's ed program - 0
- Unrest erupts after grand jury decides against charges in Ferguson, Mo., shooting - 0
- Malkin, Crosby foil Bruins in overtime - 0
Monarchs Scouting Report: Nick ShoreREADER COMMENTS: 0
Clinton has 'historic' lead in poll
Sources say former White House Chief of Staff Andy Card to be tapped as Franklin Pierce president
Randy Johnson, Pedro, Smoltz lead HOF ballot
Pipes and plans: A chance to show up Mass.


text:
November 22, 2014
Suspects in a bowling alley burglary have been bagged by sheriff's deputies.
Two weeks ago burglars kicked a hole in the side of Sempeck's near 204th & West Dodge in Elkhorn. More than a thousand dollars worth of alcohol and novelty prizes stolen from the bowling alley and fun center.
A finger print from a display cabinet that had been broken into led to a current employee of the bowling alley. Douglas County Sheriff's detectives interviewed and then arrested Ben Stratton.
Lt. Mark Gentile tells WOWT6 News that led to the arrest of three other suspects identified as Tanner Bradshaw, Paul Wiebelhaus and Gary Manhart.
A search warrant at the home of Paul Wiebelhaus uncovered stolen lava lamps used as novelty prizes at Sempek's fun center. All four suspects have been booked for burglary.
Click Here to access the online Public Inspection File
Viewers with disabilities can get assistance accessing this station's FCC Public Inspection File by contacting the station with the information listed below. Questions or concerns relating to the accessibility of the FCC's online public file system should be directed to the FCC at 888-225-5322, 888-835-5322 (TTY), or firstname.lastname@example.com.


text:
Grantley, Darryll (1996) '"What meanes this shew": Theatricalism, Camp and Subversion in Doctor Faustus and The Jew of Malta'. In: Grantley, Darryll and Robertson, Peter A., eds. Christopher Marlowe and English Renaissance Culture. Scolar. ISBN 1859282601 . (The full text of this publication is not available from this repository)
|The full text of this publication is not available from this repository. (Contact us about this Publication)
|Item Type:
|Book section
|N Fine Arts
|Faculties > Humanities > School of Arts
|Depositing User:
|Kevin Goddard
|Date Deposited:
|01 Apr 2008 12:45
|Last Modified:
|16 Jun 2014 15:51
|Resource URI:
|http://kar.kent.ac.uk/id/eprint/2657 (The current URI for this page, for reference purposes)
|ORCiD (Grantley, Darryll):
- Export to:
- RefWorks
- EPrints3 XML
- Depositors only (login required):


text:
Around the League - Oct 15 2009
Jason Gregor
October 16 2009 10:15AM
Our apologies, due to a technical glitch this is a day late — so stat gurus don't freak out when it says Ovechkin has five goals. We know he scored twice last night, but to keep this consistent for Thursdays we are going with stats of the second week.
Learning curve or dead man's curve?
Jean Lefebvre
October 15 2009 04:22PM
In reference to a subject somewhat more important than a dozen fellows chasing a hunk of vulcanized rubber, Martin Luther King once talked about the "hearts and minds" stage of progress. In other words, once legal segregation was toppled, the more difficult task of influencing people's convictions and thought processes could begin.
GDFD No. 7: The Payback
Ryan Lambert
October 13 2009 04:42PM
Welcome to the Game Day Fire Drill, for this, Calgary's seventh game of the season on Oct. 13, 2009.
Post Turkey Stars and Goats
Kent Wilson
October 13 2009 06:51AM
After the glowing 4 and 0 start, things have started to slide downhill for the Flames (don't say I didn't warn you!) making things for ripe goat picking. Star gazing has been a little tougher, however...
GDFD No. 6: On the warpath
Ryan Lambert
October 12 2009 04:43PM
Welcome to the Game Day Fire Drill, for this, Calgary's sixth game of the season on Oct. 12, 2009.


text:
"It's the tragedy of loving, you can't love anything more than something you miss."
- Jonathan Safran Foer, Extremely Loud and Incredibly Close
The Tragedy of Loving
by Beardasaurus
Art Print
Collect your choice of gallery quality Giclée, or fine art prints custom trimmed by hand in a variety of sizes with a white border for framing.
- 11Promote


text:
Wet n Wild H20 Proof Felt-Tip Liquid Eyeliner Reviews
Cheap but decent... can you ask for more?As a teen, I cringe to pay more than $10 for anything beauty related. So Wet 'n wild is my love, because all of their products are inexpensive and easily obtained at walmart or walgreen's. This eyeliner is truly waterproof; I have trouble getting it off with my makeup remover, which i didn't like. But it lasts and have a great color. It defines my eyes but doesn't look heavy next to my pale skin a...read morend dark brown eyes. Very easy to apply to, which is a plus for a newbie to eyeliner like me. Defineatly worth a try. — 6 years, 4 months agoAphrodite_is_me | 6 reviews
This review is: Helpful | Not helpful | Inappropriate | 2 of 2 people said helpful
ProofI like it for the most park, I love how black it is. It is defiantely water proof and sleep proof....and rub proof. Sometimes it drives me insane how Proof it is. I put it in my inner lids and outer it is slick you have to be careful. Once you get a good at it, you will love it. I like it when I use it, but dont use it everyday too much work taking it off — 6 years, 7 months agoSassymama14 | 12 reviews
This review is: Helpful | Not helpful | Inappropriate | 2 of 3 people said helpful
love it!i love this eyeliner! its cheap, stays on forever and doesnt smudge! if you are a beginner at liquid, i wouldnt try this one first. its sticky and may comeoff on you browbone if you open your eye to soon. But if you wear liquid, this one is GREAT!!! — 6 years, 7 months agodmik3 | 9 reviews
This review is: Helpful | Not helpful | Inappropriate | 1 of 1 people said helpful
More than water proof....This eyeliner was like liquid plastic! I honestly could not get this stuff off my eyelids! Good color varieties, I went with black, and thought this was an okay overall product. I have really watery eyes when I put on eyeliner, so it leads to smudging and black racoon eyes, so I wanted to try a water proof liner. This was hard to apply as it was very sticky and stuck to my brow bone if I opened my eyes too soon. If you are a pro at applying liquid liner, I would say try this liner. — 6 years, 8 months agoturtlo | 1 reviews
This review is: Helpful | Not helpful | Inappropriate | 5 of 5 people said helpful
to top
My Reasons for Reporting This


text:
Play any type of Game at Y8.com. The biggest Game Collection to play free online. Flash, Unity 3D, Html5, Android, Java and Shockwave.
You are not logged in. Only registered users can vote without verification. Please login or register, or type the words below:
Trying to achieve retribution.
Use space bar to continue conversations.
Y8.com project: play free games online and watch funny cartoons, since 2006.


text:
Providing a secure and stylish way to rack mount the smaller appliances they enable the devices to be located along with other rack mount kit either on site, or perhaps in a data centre. This NSA 220/TZ 215 version also includes a front facing patch panel so that all connections to the SonicWALL can be made at the front, rather than the standard rear connections.
SonicWALL Network Security Appliance Series:


text:
Dear Fellow ICPA Members: In addition to filling my role as Program Chair for this year's annual meeting, my next biggest challenge was an e-mail from Alison Hall asking me to write the President's Message before I'm officially President! The passing of the torch happens in November and since ICP goes to press before then, the challenge is to comment on the annual meeting when it hasn't occurred yet. Help! On a more serious note, I have been a member of ICPA for 10 years and remember my ...
Register for Complete Access (Valid Email Required)
By registering on MeetingsNet now, you'll not only gain access to Printer-friendly, you'll get exclusive access to a large archive of premium content.
Already registered? Log In here.


text:
Bombay Bicycle Club Tickets
Bombay Bicycle Club tickets can be ordered safe and secure on Worldticketshop. Our Marketplace allows you to securely buy and sell tickets online for concert tickets, football tickets and theatre tickets. Take advantage of our unique ticket buyer guarantee and TicketCover reimbursement. Your tickets will be sent by registered mail or local delivery. Order your Bombay Bicycle Club tickets today at Worldticketshop!
Bombay Bicycle Club Tickets
If you are a dedicated fan of Bombay Bicycle Club, then now is the time to see this music talent live! Have you always been listening to songs, and are you the proud owner of a whole collection of songs and albums of Bombay Bicycle Club, then it should speak for itself that you definitely cannot let any Bombay Bicycle Club concert pass you by! To experience such a great music performance live must be the dream of every fan, and now we can help you to make this dream come true. Bombay Bicycle Club tickets may be hard to come by, however, going to a concert is still possible as long as you look for tickets at the right places: the best Bombay Bicycle Club tickets for a riveting music performance are available at Worldticketshop.com - Your Ticket to Fun!
Bombay Bicycle Club Tour
What a lucky fan you are now, for this year will bring you the best of Bombay Bicycle Club! After the release of the most recent Bombay Bicycle Club album, the chance that there will be a new Bombay Bicycle Club tour is getting larger! Your favourite songs, the most well-liked songs, and songs that deserve and get immediate radio airplay will most likely get a chance in a smashing concert of this talented music phenomenon. As soon as a tour is upcoming, you should definitely seek and ye shall find supreme Bombay Bicycle Club concert tickets over here! When you want to get hold of those much favoured tickets and be there at an excellent Bombay Bicycle Club tour, then what are you still lingering for? Grab the opportunity and have a most incredible time with your Bombay Bicycle Club concert tickets to be ordered directly at Worldticketshop.com - Your Ticket to Fun!
|Bombay Bicycle Club Leicester
Wednesday 03-12-2014
|Leicester, GB GB
The Montfort Hall
|Bombay Bicycle Club Plymouth
Thursday 04-12-2014
|Plymouth, GB GB
Plymouth Pavillion
|Bombay Bicycle Club Wolverhampton
Wednesday 10-12-2014
|Wolverhampton, GB GB
Wolverhampton Civic Hall
|Bombay Bicycle Club Edinburgh
Thursday 11-12-2014
|Edinburgh, GB GB
Usher Hall
|Bombay Bicycle Club Newcastle Upon Tyne
Friday 12-12-2014
|Newcastle Upon Tyne, GB GB
O2 Academy Newcastle
|Bombay Bicycle Club London
Saturday 13-12-2014
|London, GB GB
Earls Court
|Bombay Bicycle Club Berlin
Wednesday 26-11-2014
|Berlin, DE DE
Astra Kulturhaus
* Worldticketshop is a ticket marketplace. The tickets concerned are secondary tickets. Are the tickets you are looking for not listed on our website? Please request the tickets you want.


text:
Denison, Baird to exchange vows
Ray and Patti Denison of Lake Cormorant, Miss. announce the engagement and forthcoming marriage of their daughter Sami Jo Denison to Edward Adam Baird of Tunica, son of Sherry and David Melton of Dundee and Francis and Susan Baird of Columbus, Miss.
Latest News
Free markets over government control The news about Chris...
CHRISTMAS OPEN HOUSE Scott Rhines at Tunica...
Town to proceed with apartment demolition The fire whistle...
County requiring two weeks' notice for agenda items When citizens, county...
News Briefs County answers Hollywood...
- 1
- 2
- 3
- 4
- 5
- 6
- 7
- 8


text:
- Home
- Workshops & Courses
- Course Categories:
- Workshop Schedule
- SEI Solar Professionals Certificate Program
- Online Training
- Solar Training - Electric
- Solar Training - Hands-On Labs
- Solar Training - Thermal
- Cursos en español
- Micro Hydro Training
- Continuing Education Courses
- International Rural Development
- Programa Hispano
- More Information:
- NABCEP Certification
- Workshop Policies
- Business Services
- Outreach Programs
- Resources
- SEI Bookstore
- About SEI
- Contact Us
Solar Hot Air Design and Installation Part 2
|Course ID: CE508
|Status: Open
|Duration: 2 hours
Location: Online
Tuition: $99
|Start Now Online Training:
Details:Category: Continuing Education Courses, Solar Training (Thermal)
Course Description: Solar Air Heat is a cost effective and appropriate technology for residential and commercial space heating, crop drying and pre-heating ventilation make-up air. Learn the fundamentals of designing, installing and maintaining a solar air heating system for your home or business. This 2 part series will introduce you to Solar Air Heating technologies. This workshop series is designed for beginner to intermediate participants. NABCEP Continuing Education – Solar Heating Installer Recertification: 2 Job Task Analysis (JTA) or 'Other' training hours.
Open Complete Workshop Description
Join SEI for this two-hour webinar-based training session. Online registration provides 60 days of access to the recording of this webinar. Once you have viewed and completed the online webinar session, you can print a Record of Completion that reflects the 2 NABCEP Continuing Education hours - JTA or 'Other'. The cost is $99.
Though participants can sign up for just one, participants are encouraged to take both continuing education classes for a more complete understanding. To register for Part 1 of this series please click here.
During this series, the following learning objectives will be covered.
This series is presented by Jason Edens, Founding Director at the Rural Renewable Energy Alliance (RREAL). With the help of a small group of dedicated volunteers, Jason started RREAL in his basement and garage back in 2000. Under his leadership, RREAL has grown out of the basement and has performed over one hundred Solar Assistance installations and over fifty Solar Electric and Solar Hot Water installations. Jason holds his Masters in Environmental Studies from Bemidji State University.
Each webinar counts for 2 hours of NABCEP Continuing Education for Solar Heating Installers in the Non-Technical Category.
Open Complete Workshop Description
Close Workshop Description


text:
Faded like boozy
from Tyga (Ft. The Game) – Switch Lanes Lyrics on Genius
A Boosie fade is a haircut, coined by Baton Rouge rapper Lil Boosie, that fades from bald at the bottom of the head to a semi-long length of hair at the very front and top most part of the head. Lil Boosie also smokes weed so Tyga is saying he's faded (high as a kite) like lil boosie. May also pertain to alcohol or "booze" as being faded or boozy (drunk)
To help improve the quality of the lyrics, visit "Switch Lanes" by Tyga (Ft. The Game) Lyrics and leave a suggestion at the bottom of the page