text:
PY0F/PP1CZ OQRS available.
Take some minutes to look at photographs following, hope you enjoy it.
The new QSL of PY0F/PP1CZ and older Callsings I used in Fernando de Noronha Island. Hope you enjoy it.
My poor conditions. The antennas in PY0F/PP1CZ (January/2013), improvised, but works well.
That is my work conditions in PY0F/PP1CZ during January 2013.
The Rig were inside the room. That's why I didn't use SSB, I would disturb my family.
Operating time as PY0F/PP1CZ in January/2013 and the follow picture show the operation in July/2013 (using the structure of PY0FF antennas and station).
Here is a picture of the antennas I used in July 2013 and January 2014 from Fernando de Noronha Island - PY0F/PP1CZ. There are a A4S (04 elements Yagi to 10, 15 and 20 Meters) - the 02 elements Yagi to 40 Meters you see in the top of the tower was not working (as you might see, one of it's elements is missing a tube), as well as the A4S Rotor (the antenna is fixed all the time to north direction). The antennas and the radio shack belongs to PY0FF (thank you Andre and Morena for allow me use it). I chose a picture from a cloudy day, because it is better to view the antennas.
Swiming pool of Pousada da Morena.
Joao Pedro at the Pousada da Morena Hotel's Swiming pool.
New Bungalow of Pousada da Morena, it will be ready in few weeks. We didn't stay there this time.
My wife and kids in the Dog's Beach.Note the stone hill behind they, it is just like a dog lying.That's why this Beach is called like that.
Me and kids at the Baia do Sancho. The sea was not so pretty that time, due to a huge Swell achieve the Island during our stay.
Mabuya Maculata, an endemic animal that is the symbol of Fernando de Noronha Islands.
There are thousands of birds that come to nest in Fernando de Noronha Island - is that a bird tree?
There is a paradise to turtles...
and the sharks too.
Gabriel, my elder son, swimming with a turtle.
and the youngest, Joao Pedro observe a big one.
Dois Irmãos (Two Brothers) Rocks from the Sancho belvedere.
A smal fish common in Fernando de Noronha Island.
There are a lot of types of fishes there.
More fishes there.
Sunset in Fernando de Noronha Island.
Me and my family, very happy with this wonderful trip.
Cacimba do Padre Beach in Fernando de Noronha Island (PY0F/PP1CZ).
Baia dos Porcos and Dois Irmaos Stones in Fernando de Noronha Island (PY0F/PP1CZ).
Dois Irmaos Stones in Fernando de Noronha Island (PY0F/PP1CZ).
Conceicao Beach, in Fernando de Noronha Island (PY0F/PP1CZ).
Below you find one of my favourites pictures from fernando de Noronha Island, I've done July/2013. Is is a isolated little house, in a mid of nowhere. It is simple, and I love this picture. It gives me a sensation of lonely and peace at the same time. Take a look:
Little Chapel on the east part of Fernando de Noronha.
From now, the pictures of my Station, my City and the State where I live in Brazil.
Hope you enjoy it!
My DXCC Honor Roll arrived in 25 August. Hard work for years, it is a dream that becomes true.
My previous QSL card.
New QSL card since 2012.
My station.
Changing the antennas (january 2012). I put a tower of 6 meters high, and installed my 6M2WLC from M2 to 50 MHz., with 9 elements, 12 meters Boom.
There are someone enjoyingthe 6M2WLC as a perch: a Bentivi (Pitangus sulphuratus).
Now all the antennas are ready and working well.
The antennas are:
- 6M2WLC -09 Elements Yagi to 50 MHz., made by M2 at thetop.
- A3WS - 3 Elements Yagi to 24 and 18 MHz., made by Cushcraft, at the middle.
- TH7 - 07 Elements Yagi to 28, 21 and 14 MHz., made by Hy-Gain, at the base of tube, above the little tower.
- Dipole to 80 and 40 Meters from Diamond.
- Dipole to 30 Meters.
- Slopper to 160 Meters.
All the Dipole antennas are very low, but working anyhow.
ICES - Yatch Club of Espirito Santo State - Vitoria.
Sailing boat at the Curva da Jurema Beach - Vitória.
Mata da Praia, in Camburi Beach, near of my QTH.
Mata da Praia, my neighborhood.
Curva da Jurema Beach.
Ilha do Frade Bridge with Praia do Canto at the background.
View of Praia do Canto, Boi and Frade Islands.
Praia da Costa Beach.
Praia da Costa Beach.
Praia do Canto Beach.
Camburi Beach with a little sailing boat and birds.
Camburi Beach with Boi and Frade Islands.
Praia da Costa Beach.
Praia da Costa Beach.
Vitoria at the Sunset.
Praia do Canto Beach.
Praia do Canto Beach.
Ilha das Caieiras.
Ilha das Caieiras.
Ilha das Caieiras.
Camburi Beach.
Camburi Beach.
Manguinhos Beach, very bucolic.
Manguinhos Beach.
Northern Vitoria's Bay.
Mata da Praia.
Passagem Bridge.
Vitoria at sunrise.
Vitoria at sunrise.
Vitoria at night.
Passagem Bridge in Vitoria.
Camburi Beach.
Praia do Canto Beach, in Vitória Island.
Camburi Canal.
Ilha do Boi.
Carva da Jurema Beach.
Third Brigde between Vitória Island and Vila Velha City, with the Convento da Penha (Penha Convent) in top of hill.
Third Bridge Vitória - Vila Velha.
Convento da Penha (Penha Convent, building in XVI Century by the Jesuits).
The Penha Convent at night.
Canal de Camburi.
Pedra Azul (Blue Stone) in the Mountains Region in the Espirito Santo State.
The Monk and the Nun's Stone. Look and see if is not just like that.
Paraglider in Alegre.
Veu da Noiva Falls.
Kite Surf in Guarapari.
Full Moon in May/2012 in Vitoria (this is a real picture).
Curva da Jurema Beach.
Conceicao da Barra.
Domingos Martins.
Praia do Canto.
Enter of Vitoria's Bay.
Praia da Bacutia.
Sunset in Vitoria's downtown, Cinco Pontoes and Dedo de Deus.
Vargem Alta.
Itaoca Beach.
Domingos Martins.
Guarapari City, Escuna (type of boat).
Enter of Praia do Morro Bay, in Guarapari City.
Fishing boats in Vitoria.
10 Miles Garoto (little Marathon).
Ilha do Boi Hotel view.
View of Camburi from the Ilha do Frade.
Marathon in Camburi Beach.
Traditional Sailling Race, Volta da Taputera.
Night view of Thrird Bridge from Morro do Moreno.
Pedra Azul.
Moqueca Capixaba, a typical food only find in Espirito Santo State. It is made by fish and shrimps.
We produce some of the best cofees in the world, and Espirito Santo State is one of the major cofee exporter.
I love to cook, and love the Crème Brullé, a french dessert.
Handcraft little fair (every Saturday) at Praia do Canto.
Ilha do Frade's Bridge at night.
Palacio Anchieta - Govenment House of Espirito Santo State.
Parque Moscoso - a Square in the Center of the Vitoria City.
Early morning in Camburi Beach, jogging, cycling or walking, it is always wonderful to have the sea as a company.
Parque da Pedra da Cebola (Onion Stone Municipal Park).- Vitoria.
I was born in Rio de Janeiro, one of the most beautiful places in the world.
Espirito Santo State has a lot of types of hummingbirds.
2011 Monaco F1 Racing GP - my first (but not the last) and wonderful experience in 3A land
(Thanks to my friends 3A2MD - Laura and 3A2ND - Jean-Claude).
6 Meters Beacon is back in 50.085 KHz. The rig is a homebrew equipment. Call: PP1CZ, running about 10/20 Watts into a Vertical 5/8 antenna.
I do answer QSLs via direct, Bureau, LoTW and OQRS (email@example.com). Via the Bureau takes over 02 years because we don't have international QSL Bureau in Brazil and I use to answer the QSLs, directly to the Bureaus address around the world, each two years. It is slow and expansive, but works. So please be patiente, it is the best that I can do.
My equipments now are:IC 7800, IC 7600, IC 7000, FT 1000 MP, and an IC 820H to VHF/UHF.
Amplifiers: Acom 2000A, Yaesu FL 2100Z.
Antennas: 6M2WLC (9 elements Yagi to 6 Meters), A3WS (3 elements Yagi to 12 and 17 Meters), TH7 (7 elements Yagi to 10, 15 and 20 Meters), Dipole to 30, and another Dipole to 40/80 Meters. Half Sloper to 160 Meters Band.
I started as amateur radio in back 1983. My former call was PU1AAJ, and didsome DX-Peditions and operations, as following:
- Trindade Island (PY0T), using the call ZZ0TA - April 1990, with Patrick, PP1BG (SK).
- Fernando de Noronha Island (PY0F), using the call PP0F - October 1991, with Kazik, DJ0MCZ.
- Fernando de Noronha Island (PY0F), using the call PU0F - October 1992, with Peter, PY5CC (now PP5XX), Andre, PY0FF and PY2KP, Claudio.
-Fernando de Noronha Island (PY0F), using the call PP0F - April 1995, with Bell, PY1YT (now PY1EO)
-Fernando de Noronha Island (PY0F), using the call PY0F/PP1CZ in October 1994, November 1996 and January 2013.
- Tres Ilhas (IOTA SA 067) in 1994 using the call ZZ1CZ. This was the first operation from this IOTA Group Islands.
- Abrolhos Archipelago (IOTA SA 019) as PY0B and PY0A in 1994.
- Itaparica Island (IOTA SA 023) as PY6/PP1CZ in 1991.
- Some special calls I use in the past are: ZZ1CZ, ZW1CZ, PP4P, PR100/PP1CZ, PY500B, PW1Z, ZZ1AA, ZV1CZ.
- I also operated from other Countries as DJ/PP1CZ and LX/PP1CZ/P.
See you on the Bands.
73 from PP1CZ - Leo.
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Owning a dog before you have children?
Find a Conversation
|Thu, 10-13-2011 - 8:38pm
Hi all,
I have a quick question for you, and personal experiences would be appreciated!
|Thu, 10-13-2011 - 9:09pm
One benefit to waiting is to find out if your kids will be allergic to a pet. My friends got our cat when their son turned about 18 months. They only had him for 6 months before we adopted him because their son was allergic. It would be hard to get attached and then have to re-home the animal later.
Good luck!!
|Fri, 10-14-2011 - 8:38am
We have done both. We had Lilly ( a now 9 year old pug) and our cat when we got prego with Simon. Lilly had a little bit of an adjustment period when Simon arrived as she was the "baby" but he does find with Simon and altered really well when Simon arrived.
|Fri, 10-14-2011 - 8:59am
I wouldn't wait! I can't imagine not having my sweet Hannah.
|Fri, 10-14-2011 - 9:16am
We adopted our first dog when she was 2 and before kids, so she was already through a lot of the puppy behavior and trained somewhat. She took the kids in stride, she had a very sweet and gentle nature. Adopting a dog now would give you the chance to make sure they are properly trained and socialized beforehand.
With our 2nd dog, we adopted her when our youngest was a year old, about 4 months after our 1st dog has passed away. That was a hard adjustment because the newer dog was less than a year, more spastic and our youngest wasn't used to having a dog running around and was scared. It took a longer adjustment period, but she gets along wonderfully with the kids.
I would suggest no matter when you adopt that you do a lot of toddler behavior to the kids to see how the dog responds, such as pulling on their ears, roughhousing a little, watch if they get possessive when they eat, etc. Personally I think you should get the dog now, they will add a lot of love to your life :)
|Fri, 10-14-2011 - 10:27am
And my personal story: my parents had a dog before I was born. Buster was a sweet black lab, but once I came home, he would run people off if they got too close to his baby (me). After he died, we got Maggie. I was 2, and my brother was about 8 months. She was 8 weeks. We all grew up together, and I remember her laying at the foot of the slide so my brother would hit her instead of the ground. So either way works. But I would get the dog. I want one desperately!
|Fri, 10-14-2011 - 11:14am
We got a dog a year ago, before we started TTC. We purchased him from a breeder (we got a labradoodle - they are very smart and are good family dogs).
We have been taking Jake (our labradoodle) for training to prepare him and get him calmed down a bit before the baby arrives (he still was having 'puppy fits' and was difficult to calm down). He is doing awesome and we're not worried about him being around the baby. His trainers think he is doing amazing as well, and will come over if we have any issues come up when the baby arrives.
I agree with pp who said to try playing with the dog's ears and tail to see how he/she reacts to it. I have been petting/rubbing/pulling on Jake's ears and tail and he is very used to it now.
|Fri, 10-14-2011 - 3:38pm
We adopted our dog from the dog warden when he was 5 1/2. My husband and I were married about 8 months at the time and we decided to get a dog. We adopted a Miniature Schnauzer. Casey is now 13 years old. He has been pretty good with David and pretty tolerant of him. He's only snapped at him maybe twice and has never bit him.
|Fri, 10-14-2011 - 7:16pm
|Fri, 10-14-2011 - 10:57pm
We have one very needy cat (Ruby - sounds just like yours! haha) but I grew up with two Beagles and was a dog-walker last summer/fall. Forgot who mentioned the Puggle but you are right on. One of my clients had a Puggle, a Beagle, and a Chocolate Lab and it was so chaotic to walk all three of them at once because the Puggle was a spaz! So I definitely think it depends on the breed.
Our cat is 7 now so he was an adult when Selin came along. We had two cats at the time actually but had to give his sister to a shelter because one day she just decided to hiss at anyone and anything and it was right before Selin started crawling so I was worried. The remaining cat has done fine with Selin, he's not crazy about her, but he'll let her pet him, etc. Selin of course ADORES him.
We've actually been thinking a lot lately about whether to keep our cat because he has become SO needy since we gave his sister up last summer and I feel so guilty that there are many days that I don't even have the time to pet him. After working all day then taking care of Selin, I don't need another thing to take care of at night. I know that sounds horrible but most likely we will keep him because I told DH no one is going to adopt a 7 yo cat and he also has major behavior issues with strangers so we can't even give him to someone else. I just can't live with putting him down for the sake of convenience.
We travel a lot, mostly internationally, so having a cat works better for us than a dog because we can leave him home alone for part of the time we're gone. I do miss having a dog though but I think it's going to be a long while before I can convince my DH to get a dog. ;-)
I say go for it! GL!

subset: commoncrawl


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Gear Review
super lightweight and takes a beating
Miles W
Member since
- Gender: Male
- Familiarity: I've put it through the wringer
So light I don't even realize it's there. I've smacked my noggin off many branches wearing the Maze. It takes a lickin' and keeps on tickin'!
View More Details on Smith Maze Helmet


text:
|GOD'S WORD Translation (GW)
|New International Version (NIV)
|11 Dear friends, since you are foreigners and temporary residents [in the world], I'm encouraging you to keep away from the desires of your corrupt nature. These desires constantly attack you.
|11 Dear friends, I urge you, as aliens and strangers in the world, to abstain from sinful desires, which war against your soul.
|GOD'S WORD® is a copyrighted work of God's Word to the Nations. Copyright © 1995 by God's Word to the Nations. All rights reserved. Used by permission. (God's Word Translation -Online Bible)
|Scripture quoted by permission. Quotations designated (NIV) are from THE HOLY BIBLE: NEW INTERNATIONAL VERSION®. NIV®. Copyright © 1973, 1978, 1984 by Biblica. All rights reserved worldwide. (New International Version Bible Online)


text:
I have a problem with office 2010 with our student account. when students click save or save as they get an error saying this task has been disabled buy an administrator. after looking into it a bit more i have found the default save location for all of the office applications is on C:\ where my students don't have access. so this needs to be changed to there my documents
i have done some gogleing and found the .adm templates for office 2010 but i can only find the place to set the default save location for word, we need to set this for all the office applications.
thanks for any advice.


text:
I've got a Mid 2010 MacBook Pro (MacBookPro6,2) and I've updated it to 10.8.3. Apple now support installing of Windows 8 via Boot Camp, but I just can't get it to work even though it is supported on my MacBook. I've created the partition using the Boot Camp Assistant, however, when I boot in to Windows 8, it complains that it can't install on to the partition because it needs the partition to be GPT and it is currently MBR. This is the error message:
However, when booting back in to OS X and checking in Disk Utility, the drive is definitely set as GUID Partition Table.Quote:
"The selected disk has a MBR partition table. On EFI sistems, Windows can only be installed on GPT disks"
"You can't install Windows in this disk. It is possible that the Hardware is not able to boot in this disk. Make sure the disk controller is enabled in the system BIOS"
How can I get Windows 8 to see that this is correct? I've tried deleting the partition on Windows 8 setup and recreating it, but it complains it cannot create a partition (Error: 0xf28dbbd0 - Which gives no results in Google!)


text:
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A Son of Martha
Join Date: Oct 2008
Location: Mesa, Arizona
Posts: 7,976
Gender: Male
Member Number: 10438
Thanks: 0
Thanked 0 Times in 0 Posts
A Pittsburgh Steelers Fan Gives Thanks
A Pittsburgh Steelers Fan Gives Thanks
by Justin Zucker (Contributor)
November 27, 2008
On this day, I think it's important that we take some time to reflect on what's good in our world.
The world has a way of making us feel down, unhappy, and lately we have all felt miserable about something. An ongoing war, economic crisis, falling home prices, an uneasy stock market, the list goes on and on.
For one day, perhaps we can all focus on what's good. That which makes us happy, and what makes us forget about the everyday drag.
For me, that outlet has always been sports. So enough of the dreary outlook, let me give thanks.
I am thankful for:
* The Tasmanian Devil, Troy Polamalu. I remember what it was like without you last year. Thank you for being healthy!
* The splenectomy. Thanks to the Doctors who were able to perform this procedure on Ryan Clark. Now I don't have to see Anthony Smith and Tyrone Carter blowing coverages.
* Ike Taylor. You have been the biggest bright spot of the depleted corners. After being banished under the Cowher regime, you have taken this second chance and flourished.
* Silverback Security Squad. James, one of your teammates said that "you are so mean that you don't even like yourself." That's okay, James, we all like you.
* Larry Foote. For being a real man. This story always touches me. And this one. You are a true man, and you should get more publicity then some of the "boys" in professional sports.
* Potsy - Mr. Farrior, you are a stud and a superior team leader.
* Lamarr Woodley - For providing the best sack tandem we have seen in Pittsburgh since Lloyd/Greene.
* Aaron Smith - You are the most underrated defensive lineman in the sport, bar none.
* Big Snack - Thank you for not coming to my house on Thanksgiving.
* Hines Ward - For being the beacon of stability throughout your entire career. You are an elite receiver.
* Justin Hartwig - For being the only stable force on our offensive line. And it is offensive. Attention Mr. Colbert: Get him a contract extension.
* Mewelde Moore - Where the heck would we be without you?
* Big Ben - For surviving an assault that can only be compared to "The Mother of All Battles."
* And finally, to Zander and the crew for giving me a venue to opine.
Finish strong, men. This fan is enjoying the ride, and is thankful. See you in Pittsburgh on Dec. 7. And if I can ask for one more thing, please beat the Cowboys!
Happy Thanksgiving, everyone.
Team President
Join Date: Aug 2007
Posts: 2,414
Member Number: 6517
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Thanked 1 Time in 1 Post
Re: A Pittsburgh Steelers Fan Gives Thanks
No leftovers, eh?
I'll keep my freedoms, my guns, and my
money . . . you can keep "THE CHANGE."
Assistant Coach
Join Date: Nov 2008
Location: Alabaster, AL
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Re: A Pittsburgh Steelers Fan Gives Thanks
Oh, and thank you Karma for finding Tom Brady...Amen
Team Owner
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Re: A Pittsburgh Steelers Fan Gives Thanks
Good article to check out. Thanks for posting Mesa. The first 2 thanks in that article is the biggest reason why I think we win on Sunday. Troy and Ryan will be taking care of business against the Cheaters.
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text:
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text:
All quotes tagged Compassion
(583 quotes found)
"By compassion we make others' misery our own, and so, by relieving them, we relieve ourselves also"
"All the problems of the world - child labor, corruption - are symptoms of a spiritual disease: lack of compassion."
"My message is the practice of compassion, love and kindness. Compassion can be put into practice if one recognizes the fact that every human being is a member of humanity and the human family regardless of differences in religion, culture, color and"
"Compassion automatically invites you to relate with people because you no longer regard people as a drain on your energy."
"Our task must be to free ourselves...by widening our circle of compassion to embrace all living creatures and the whole of nature and its beauty."
"Compassion is the desire that moves the individual self to widen the scope of its self-concern to embrace the whole of the universal self."
"I believe we are still so innocent. The species are still so innocent that a person who is apt to be murdered believes that the murderer, just before he puts the final wrench on his throat, will have enough compassion to give him one sweet cup of wat"


text:
After a rough outing in his recent featherweight title fight for Titan FC, Steven Siler is planning a change. Filed under: News read news >>
Middleweight C.B. Dollaway revealed that he was rendered useless after Lyoto Machida landed the body kick in the opening round of their main event on Saturday. After working his way into a marquee match-up that could have thrust him into the upper echelon of the division, C.B. Dollaway is disappointed with the less-than-stellar outcome against Lyoto Machida. "The Doberman" hoped to extend his UFC win streak to 3-0 in the final UFC fight of 2014, but was quickly hit with a liver kick that left hi read news >>
BARUERI, Brazil -- C.B. Dollaway was looking to make a statement in his UFC Fight Night 58 main event against Lyoto Machida in Brazil, but he came up short against "The Dragon". Machida finished Dollaway after landing a hard left kick to the liver a minute into the middleweight bout, and "The Dobberman" felt "paralyzed" after the kick. "I thought it was going to go to my head and he slipped it under my elbow," Dollaway said in the post-fight press conference in Brazil. "I thought I had it covere read news >>
BARUERI, Brazil – For "The Ultimate Fighter: Brazil 3? winner Antonio Carlos Junior, it looks like he'll soon be fighting in his third weight class in just three octagon appearances.Filed under: News, UFC read news >>
BARUERI, Brazil – After a middleweight title fight loss to champ Chris Weidman in July, Lyoto Machida bounced back in a big way. Filed under: News, UFC, Videos read news >>
Former UFC fighter Cody McKenzie officially retired from MMA on Thursday following his KO loss at M-1 Challenge 54/ACB 12. Following a disappointing first round KO loss to Fight Club Berkut standout Beslan Isaev, Cody McKenzie has officially retired from MMA competition. McKenzie finishes his career with a 15-6 record in professional competition and a 3-4 run during his tenure with the UFC. He also ends his career on a two-fight losing streak. I'm done fighting I would call it retiring but I nev read news >>
Former UFC fighter Cody McKenzie, who garnered a sizable fan following after his stint on "The Ultimate Fighter 12," is apparently calling it quits.Filed under: News, UFC read news >>
Check out the full results for Wednesday's M-1 Challenge 54 & ACB 12 joint event. Following an entertaining evening of fights in St. Petersburg, the M-1 Challenge 54 & ACB 12 joint event culminated with Germany's Stephan Puetz retaining his light-heavyweight title with a TKO victory over Valery Myasnikov. Also featured on the card was a co-main event battle for the vacant lightweight title, which saw undefeated Maxim Divnich dispatch Djhambulat Kurbanov to win the vacant lightweight title. Forme read news >>
The coach became upset about his pupil's loss and asks for punishment of bad judges. The Nova Uniao leader Andre Pederneiras is absolutely angry about Claudia Gadelha's split decision loss last Saturday at UFC on FOX 13, vowing that he will appeal and try to change it. The coach called the outcome a robbery and is sure that his fighter won decisively, but two of the judges gave two rounds for Joanna Jedrzejczyk, who probably earned a title shot against Carla Esparza for the UFC Strawweight title read news >>
From Yahoo Sports: Diaz's theatrics and style have long made him a fan favorite, but his return to the Octagon wasn't pretty. read news >>
After a weird loss at Saturday's UFC on FOX 13 event, Jamie Varner reflected on his career and expressed interest in helping to form a union for MMA fighters.Filed under: Featured Videos, News, UFC, Videos read news >>
Frank Mir did not take his decision to come back lightly. After a unanimous decision loss to Alistair Overeem in February, the former UFC heavyweight champion gave himself plenty of time before he came to the conclusion that he would return to fighting. Mir, who has lost four straight, told Ariel Helwani on Monday's edition of The MMA Hour that he did consider retirement for a time. "I did if I wasn't able to have a proper offseason and see where I could get my body's level of fitness up to," Mi read news >>
PHOENIX – This has probably been a week that Nate Diaz would just as soon forget about entirely.Filed under: Featured, News, UFC read news >>


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Two Halton police officers have made a couple's Christmas
Population growth in the U.S. will create demand for 10 million additional...
The Kitchener Rangers can feel a little jollier as they head into the...
Kate Upton - who was named the Sexiest Woman Alive at Thursday (12.18.14)...
Our year-long Remembering series closes with a look back at Christmas 1914.
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If you have lived in Kitchener, the areas around Charles, Gaukel and...
Q. I'm a divorcee, 32, with two young children. I bought a house with my father, got my degree, and a great job.
However, a post-partum depression led to clinical depression, which runs in my family.
Eight months ago, my anti-depressant medication stopped working. I started taking my dad's pain medication. Within two weeks, I was addicted to OxyContin; it's exceptionally addictive.
I want people to know it can happen to anyone, anywhere. It's not something to be ashamed of, but it must stop. Doctors give out these opiates like candy and soon you can't stop. I realized what was happening, checked myself into detox, and got clean.
I'm more awake, a better mom again, and I still have my job, my house, and my children.
There's a lot of help out there if you only ask for it. I went to my family doctor, got referred to a psychiatrist, and fixed my medications again.
OxyContin's tricky and dangerous. It's a surprisingly short step into addictions. But there's help. Ask for it.
A. Thanks for your personal experience and warning. According to Toronto's Centre for Addiction and Mental Health, OxyContin ("Oxy" or "OC" on the street), a time-released pain medication, contains oxycodone — an opioid drug like morphine, codeine, heroin, and methadone. Your experience has happened to many; you're lucky to get clean.
Last winter, Purdue Pharma replaced OxyContin (pill form, easily crushed), with OxyNeo that's harder to abuse. But it created a crisis for addicts who need help withdrawing.
Ignoring friend looks bad
Q. I want to end a friendship with my best friend of 10 years. I can no longer trust her and we have less in common now than we did initially.
I can't trust her because whenever she gets into a relationship she forgets that I exist. My phone calls and text messages go unanswered for days. This has gone on for four years.
Whenever I commented, she'd apologize and say she'd get better at balancing both relationships.
I recently had surgery and everyone close to me visited. Not her. She was leaving for vacation one week later and said she'd stop by (10 minutes away), but never did.
Last year, when she and her boyfriend of two years broke up, I immediately went over to her house to help her through it. She again apologized for being a bad friend while dating him. I'm in a five-year relationship but have other interests and can talk to my other girlfriends about things other than men.
When we met we were both single and just starting university. We don't share many of the same interests anymore.
Recently, she's been calling and texting me once a week (more than usual), however I've been ignoring her. I'm not sure that's the best way to deal with this situation. I truly no longer wish to be friends, but wouldn't mind parting as acquaintances. But I know a conversation about why I'm ignoring her, will just be plain awkward.
A. Don't confront, just state the facts — you feel you have little in common, would like to be on pleasant terms, but no longer wish to only hear about her love life and know she won't change.
She'll naturally be hurt, and may again promise to be a better friend. Say you'd rather be honest with each other and just part amicably.
Don't expect kudos, and don't be surprised if she tries to start up again, the same old way.
But ignoring her is just plain immature and looks bad on you.
New culture can be confusing
Q. I'm an international student, female, 25, living here for seven months. I started to have strange feelings.
I want to love and be loved! For religious reasons, dating or having any relationship outside marriage isn't allowed. I believe in my religion and haven't done any sins before. Why do I have such emotions and how do I overcome them?
A. Loneliness and different lifestyles around you of many people your age may be causing these emotions and confusion.
Talk to a trusted person from your religious background in order to confirm your long-held beliefs. Socialize sometimes with people from your same community.
Your university's student services will have counsellors who can discuss the difficulties and influences of relocation, and the pressure of cultural differences.
If there's a particular person to whom you're attracted, proceed slowly and make sure he understands your background and limitations within any friendship or relationship.
Pepi's Pizza has been serving up delicious pizza and toasted subs in Kitchener for over 50 years....
Winter is coming, and that means it is time to prepare your vehicles for the long cold months of...
Handyman Connection is your any time, every time source for home improvement.
Sometimes we just...
As the seasons change it's the perfect time to clean out that cluttered crawl space or rummage...


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Chinese envoy in NKorea; 2 Koreas meet at border
"I believe there is no fundamental change in North Korea's policy on the nuclear issue," Foreign Minister Yu Myung-hwan told a ministry meeting, according to the text of a speech provided by his office.
On Sunday, U.S. Secretary of State Hillary Rodham Clinton said the Obama administration would continue to try to get North Korea to return to the table.
"Engagement has brought us a lot in the last year," Clinton said in an interview with CNN's "State of the Union."
U.S. State Department spokesman P.J. Crowley told reporters Friday that he expected China would continue to play a significant role in restarting the on-and-off disarmament negotiations, adding that Washington and Beijing share concerns about the North's nuclear ambitions.
"And in fact, we see eye to eye with China with respect to our concerns about North Korea," Crowley said. "I think we have significant unanimity within the six-party process about what North Korea should do."
AP researcher Xi Yue in Beijing contributed to this report.
The Associated Press


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Economy Village
Alleged Hit-And-Run Driver In Ambridge Was Texting
Police say a local teenager was texting while driving when she hit a man with her car, then drove away leaving him lying in the road.
22 Arrested In Beaver County Drug Bust
Nearly two dozen people in Beaver County were arrested in a drug bust. The 22 arrests were made on Wednesday and Thursday. Authorities are calling it "Operation: Clean Sweep."


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Indoor / Winter ~ Every Saturday ~ November - April
Merrill Middle School, Multi-Purpose Room
108 W New York Ave - Door 23
9:00am - 12:30pm
Outdoor / Summer ~ Every Saturday ~ June - October
400-500 Blocks N Main Street & 100 Block Church Ave
8:00am - 12:30pm
Rain or Shine
Karlene or Dennis Leatherman
920 252 2533 920 252 2532
To foster the commercial, social and community well-being existing in the Oshkosh area by providing a viable farmers market."
The Oshkosh Saturday Farmers Market is an outlet for Wisconsin homegrown farm products such as vegetables, fruits, herbs, bakery products, meats, poultry, cheeses, eggs, cider, maple syrup, honey, plants, fresh and dried flowers, jams and jellies and other prepared food products. The Farmers Market provides an outlet for small producers of eligible products as well as for larger producers.


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Japan, United States, Libya, Iraq, England
AROUND THE WORLD (FOX44) – Japan, in the north, rescue crews found two survivors in the rubble. Including a 70-year-old woman was found 5 days after the disaster. The woman was found underneath the rubble of what used to be her home. Residents like her warned only minutes before the tsunami slammed into the country.
United States – Tsunami waves did more than $40 million dollars in damage to California. Santa Cruz harbor, where boats were torn from their moorings, suffered $17 million alone. Other harbors suffered significant damage as well. State officials are still debating whether to seek federal help for rebuilding efforts
Libya – While greatly outmatched, the rebels aren't backing down. They continue to take up positions in the country's east preparing for more attacks by Khaddafy forces. The rebels say their enemy is terrible; claiming the soldiers rarely hit what they shoot for. They say with more heavy armor and a little help from the west they'd win this war.
Iraq – A prison riot and planned escape, leaves two inmates dead and 14 wounded. We're told the breakout had been planned for three months. Inmates sawed through doors and windows, and 200 to 300 prisoners that many facing execution, tried to escape.
England – A clock went up today in London's Trafalgar Square to start the countdown for the London Olympics. There are 500-days till the start of the games. Tickets went on sale at midnight local time.
Tune in every night at 9:00 p.m. on FOX44 News Baton Rouge for more Around the World.


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Meet 'Big Brother' Canada's Kenny Brain, the Ripped, Gay Model with an Epic Beard: VIDEO
Kenny Brain, a male model with a ripped body and an epic beard is making a name for himself on Canada's version of Big Brother, which is entering its third week. This week, the housemates were ordered to compete by creating a 'buzzworthy' photo, the winner of which would be decided on social media.
Kenny, not one whose shy about stripping down, took it down to his underwear and poured oil all over himself.
Check out some photos and clips of Kenny doing his thing.
Also, he is probably gay (see final clip), though he's waiting to divulge anything about his sexuality to the other housemates.
UPDATE: He is gay, a commenter points out (see last clip - full episode - at 4:00).
Check it out, AFTER THE JUMP...
Continue reading "Meet 'Big Brother' Canada's Kenny Brain, the Ripped, Gay Model with an Epic Beard: VIDEO " »


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Merger and acquisition database
Pentvia Partners, LLC| Merger and Acquisition Advisors for the Lower-Middle Market
Pentvia Partners is a merger and acquisition advisory firm who advises closely-held businesses in the lower-middle market. Pentvia Partners delivers dynamic, low-risk investment banking solutions to business owners confronting the challenge of purchasing
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Merger and Acquisition (M amp;A) | Global Capital Markets.Com
Global Capital is a merger and acquisition specialist focusing on middle-market companies.
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Recce Inc. - incident and outage audit, capital markets latency management, merger and acquisition IT due diligence, infrastructure optimization
Recce is a privately owned information technology consulting firm based in Toronto, Canada, specializing in network audit, merger and acquisition IT due diligence and infrastructure optimization.
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Stevenson amp; Company - Merger and Acquisition advisory firm working with mid-sized businesses
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Merger and acquisition advisor - AdMedia Partners
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The DVS Group is a lower middle market merger and acquisition firm - We Close Deals
The DVS Group is a lower middle market merger and acquisition firm. Our transaction focus is on companies in the $2 million to $20 million enterprise value range, which translates roughly to companies producing between $500,000 and $3 million in EBITDA.
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Business Sales, Business Valuations, Corporate Merger Acquisition, Business Merger and Acquisition, Business Mergers
The FMI Business Specialists offers Business Sales, Business Appraisals and Corporate Merger Acquisitions, Business Mergers and Business Merger and Acquisitions. Business representation has ranged from the small independently owned operation to multi-leve
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Corporate Growth amp; Mergers and Acquisition Services For Web Software and Services Companies | Golden Gate Business Group
Golden Gate Business Group, describes Merger and Acquisition services for digital and traditional agencies and service providers, learn more about our research reports.
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Providing merger and acquisition advisory services to mid-market companies, with an industry focus in the accounts receivable management area. Marions services include business valuation, succession planning, business sales and other services for busi
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Computer Security vulnerabilities and exploits database
Computer security and information security: advisories, exploits and vulnerabilities database, articles and security news
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The Firefly and Serenity Database - Joss Whedon
The Firefly and Serenity Database is a wiki for Joss Whedon's Firefly series, the Serenity movie, Malcolm Reynolds, Serenity: Better Days, and more.
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The Chef and Restaurant Database (ChefDb)
The Chef and Restaurant Database is an ongoing project aimed at documenting over 100 years of chefs, restaurants and restaurateurs.
Visual DataFlex - Develop Great Windows and Web Database Applications - Fast amp; Easy!
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Welcome to the world's largest artist, artwork and museum database! - TerminArtors
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Busted! Mugshots - The Most Comprehensive Arrest and Mugshot Database Online.
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Paragon Ventures - Healthcare Mergers and Acquisitions
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Search - Stock art and Illustration Database- Medical, General amp; Science-Nature art Stock Image Search Results
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This happened right after I had the car detailed and I am wondering if something might have been dislodged.
BMW » 323i » 1999 BMW 323i » Questions
View questions for:All BMW
1999 BMW 323i
BMW Q&AAsk Your Question
1999 BMW 323i Question: Air Bag light is showing on the dashboard.
Mariannerita, Mount Pleasant, SC, February 22, 2011, 13:46
1 Answer
Answer #1overbys from Overbys Inc, February 22, 2011, 13:59Master
maybe or maybe not. you will need someone to scan the car and find the diagnostic trouble codes. could have:
1) knocked a plug loose under the seat
2) gotten water or cleaner inside the seatbelt buckle
3) could be something else
a reputable detail company will be attentive to your needs; if this was just a detail goober you paid in cash,
you've learned a valuable lesson!!
PS: while the SRS light is on, your airbags likely will
no longer function
ReplyMariannerita, February 23, 2011, 05:36Rookie
Thank you.
Answer Ranks
This week's top 10
|1 pushrod
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|2 CharlesAutomotive
|7 IamSteve
|3 ziptie12
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|10 ProfessorG


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Latest Comments
re: 0927-lindsay-lohan-philipp-plein-09 (1 comments)
OOh nice, I love these heels w/ this dress! I love it!
re: 0927-lindsay-lohan-philipp-plein-05 (2 comments)
Cute dress & even her sandles look cute! Nice summer outfit for a hot day. I don't like her sunglasses, and her bracelet doesn't go with her sandles. A silver bracelet would have made it come together, since there is silverish colors in her sandles. Lindsay is a natural red head, so tanning prob isn't her favorite thing to do, but a some color is a must when you wear white, it just is. White makes her look washed out, and with how skinny she is, it makes her look sickly. Maybe just a simple specially made formula would her look tan, but not orange and NOT TOO DARK! Lord knows that girl can afford someone to make her a color to make her look healthy, but not ridiculously dark or fake orange looking. That's the prob with Mystic Tan sessions, they don't last more than 7 days, & most of the time you look orange. But I'm guessing Lindsay's publicity manager (Oops, I can't think what you call them?, I just know they help with a celeb's image– outside image & personal image.) I haven't heard much about her, so I thought I'd look what she's been up too. Hope she's doing better. Everyone deserves a 2nd chance, ok maybe more than a few. : P


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Member since Jun 2012
Flag This ProfileFlag as Inappropriate
Reviewed Chocolate Cheesecake Cupcakes with Ganache Frosting
Dec 22, 2012 in Food Network Community Toolbox on FoodNetwork.com
"These are absolutely fabulous! I made them my work Christmas party and everyone loved them!! I followed the recipe as is and they turned out great. Ganache frosting was my favorite.""
Reviewed Chicken Cacciatore
Jun 26, 2012 in Food Network Community Toolbox on FoodNetwork.com
"This was an awesome dish and was really easy to make. Think I'll try chicken stock instead of wine next time though.""


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STARmeterSEE RANK
Down 10,645 this week
Leanza Cornett
Leanza Cornett was born on June 10, 1971 in Big Stone Gap, Virginia, USA as Eva Leanza Cornett. She is an actress, known for Entertainment Tonight (1981), 2007 Camie Awards (2007) and Ordinary/Extraordinary (1997). See full bio »
More at IMDbPro » Represent Leanza Cornett? Add or change photos


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Dr. Anala Panchumarti has been in practice for eight years. She received her Doctorate of Dental Medicine from Tufts University School of Dental Medicine; Boston, MA in 2005. Dr. Anala Panchumarti continues to advance her knowledge and skills with the latest advancements in Dentistry by attending continuing educations courses and seminars on a regular basis.
This practice is not accepting MEDICAID PATIENTS at this time. Please do understand that we charge for broken appointments/NO SHOWS. We kindly request you to give us 24 working hours notice to reschedule an appoinment.
My recent visit was very pleasant.my first time bring there and the doctor was very patient, understanding and very helpful. Highly recommend.
Dr Panchumarti is wonderful! Very caring dentist who is not trying to rush to the next patient and is not trying to convince you of unnecessary procedures. Office is extremely clean as well.
Clean office and the doctor was awesome !! Very nice and went over things other dentists don't take the time to do !! Recommend !!!
She was very nice and professional. She took her time to explain things to me thoroughly. This has to be one of the nicest dentist offices in Tampa for an independent dentist. Her staff is nice and friendly. The lady who cleaned my teeth gave me one of the best cleanings I have ever had. Definitely recommend.
very nice staff and i am sure Dr. P is quite skilled
Very nice. Informative and detailed.
She was very knowledgable and friendly!
Horrible service and over diagnose, I won't be back
Dr. Panchumarti is an awesome doctor! She is very kind and considerate, as well as she takes the time to consult with patients. I would highly recommend her services to others!
Dr. Panchumarti was very courteous and calming, explained everything she did prior to. Rooms are appealing, open, and clean. Assistant was sweet and efficient. Only thing is front desk staff took their sweet time coming back from lunch. Did not have files ready (MD tried to start the process since staff wasn't back yet).
Very friendly staff, quick visit. Will return!
She is awesome. She made me feel so safe, and understanding. Looking forward to my next visit with her.
Quick. Easy. Friendly. I went to Dr. Panchumarti's office twice in one week and both times were pleasant. Clean office, nice staff and good work!
She is a wonderful dentist! Very kind and understanding! So happy I found her through ZocDoc!
Exactly what I've been looking for. Extremely professional. Clean / beautiful office. Takes the time to answer all of your questions in a detailed manner. Appears very honest and doesn't "sell" unnecessary procedures.
Dr. Panchumarti is really nice, professional and knowledgeable. My only complaint is the long wait time before I was seen. After I was in the exam room I waited another 45 minutes before the doctor came in. I actually went out to the front desk to see if something was wrong. Hopefully this was just an anomaly and things run totally smoothly next time.
The whole staff was very professional and caring. I will recommend Dr. Panchumarti to everyone I know! A very nice office space, also.


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Atbara River
Atbara Rivergeographical name
River, North Africa. Rising in the Ethiopian highlands, it flows about 500 mi (800 km) northwest through eastern Sudan to join the Nile River at Atbara in The Sudan. It is the Nile's northernmost tributary.
This entry comes from Encyclopædia Britannica Concise.
For the full entry on Atbara River, visit Britannica.com.
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How To Play European Roulette
Although it hasn't gained the popularity of blackjack or poker, knowing how to play European roulette is a great way to increase your enjoyment and potential winnings on your next trip to the casino. Compared to most other table games, the house has a very high advantage in roulette, but playing on a European wheel can give you the best odds possible. With this in mind, it is important to be prepared and knowledgeable before you lay your chips down.
- Before you begin, know your limits. Because of the high house advantage in roulette, it's easy to find yourself in deeper debt than you expected. Before you sit down, know how much you are willing to spend and when you're going to walk away. Whether it's big wins or big losses, you've got to know your limits.
- Understand the table. The first step in understanding how to play European roulette is becoming familiar with the table and wheel. Most roulette wheels in America feature 36 numbers, a zero, and a double zero. European wheels omit the double zero. It may seem like a small difference, but it can make a significant change to your odds of winning if you're playing over an extended period. Take the time to find a European wheel, it will pay off!
- Decide what kind of betting you're in the mood for. The term inside bets refers to any bets that are made on the long grid of numbers on the roulette. Outside bets are bets placed outside the grid on choices like "Odd" or "Red." Learning how to play European roulette isn't just about figuring out which choice wins most and betting it every time, but knowing the best strategies for both inside and outside bets.
- Get to know your inside bets. The most basic inside bet is called a "straight up" bet. This means putting your chips on a single number. The odds are terrible, but the payout is 36:1. If you're feeling lucky or want to impress a pretty girl with your ballsiness, go for a straight up. Some other inside bets you'll need to know if you really want to understand how to European play roulette are split bets (place your chip on the line between any two single numbers, it pays 17:1), street bets (place the chip at the edge of a row, you'll get an 11:1 payout if anything in that row turns up), and corner bets (put your chip so it's touching the corners of four numbers, it pays 8:1).
- Get to know your outside bets. Outside bets have far better odds than inside bets, so if you're looking to spend a while at the table and increase your earnings slowly, they are the way to go. The most basic outside bets are pretty self-explanatory. Bet red, black, odd, or even and if your choice comes up, you'll get double your money. These are a great way to get started and can make you feel like you really know how to play roulette when your chips start piling up. Additional outside bets include dozens bets (bet on the first, second, or third set of twelve consecutive numbers, pays 3:1) and column bets (covers a full column of twelve numbers, also pays 3:1).
- Don't get caught in the Gambler's Fallacy! Roulette is based entirely on chance. If the wheel has hit black one hundred times in a row, the chance of hitting black next time is still fifty-fifty. Don't try looking for patterns over time, there aren't any to be found! The most important part of knowing how to play European roulette is understanding your odds for each bet, keeping a level head, and knowing when to walk away.
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8 Great Part-Time Jobs for Retirees
Supplement your retirement income
Looking for a great part-time job in your retirement? We've got you covered with eight terrific opportunities in a range of industries. Continue Reading
Race Track Waitress Celebrates Her 90th Birthday In Surprising Way
Sophie Peedell has known some of her customers for four decades
Sophie Peedell, who turns 90 on September 21st, will celebrate this remarkable milestone by doing what she's done for over 40 years. Continue Reading
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Will make final appearance on 'The View' May 16
Barbara Walters, the first woman to co-anchor an evening news program, will make her final appearance on the morning talk show she founded. Continue Reading
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Can employers make retroactive changes to PTO policies?
Are your vacation and sick pay earned benefits? Do you have rights if your employer changes PTO policies? AOL Jobs employment law expert Donna Ballman explains. Continue Reading
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'I've thought about [retiring], but what would I do?'
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What's behind companies changing their pension plans
Boeing announced that it would freeze pension plans for non-union workers. The company may cry poor, but chances are it is just adding to the profits. Continue Reading
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Men tend to think, 'Who will I be if I don't have my work?'
There are some stark and surprising differences between men and women who choose to work after they turn 60. Continue Reading
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The concept of employees using their own personal technology devices at work has started to catch on in the government — or at least in the government's vocabulary.
BYOD, short for "bring your own device," has become a common phrase almost overnight, and it has taken root in the private sector, too.
But whether the idea itself is practical, or even desirable, is far from clear. Peter Silva, writing in a blog at Sys-Con Media, wonders if it's the hottest trend or just the hottest term.
"It goes by many names: 'Bring Your Own Danger,' 'Bring Your Own Disaster' and what most people call 'Bring Your Own Device,' and everyone, it seems, is writing, talking and surveying about BYOD," he wrote.
In an unusual twist for articles that begin by raising the possibility that something new is just so much vaporware, Silva comes down on the side of the trend. In particular, he cites a survey by Avanade in which 90 percent of respondents said their employees are already using personal devices for work.
The survey, which was also cited by Gina Smith in a TechRepublic article titled "10 myths of BYOD in the enterprise," focused on private-sector companies. But federal managers share many of the same concerns.
For example, the third myth on TechRepublic's list is that BYOD policies will result in employees "trading cows, updating friends on their lunch choices and making fun of the boss publicly." In other words, employees will be playing games and chatting on social media sites rather than working. Instead, Smith said research shows that the greatest use of personal devices in the workplace is for accessing enterprise applications. "Not an angry bird in sight," she wrote.
In the government, managers might be embracing the trend a little less enthusiastically. Rob Burton, a partner at Venable law firm, summed up a common sentiment when he said the government is moving toward a BYOD environment "whether we like it or not," as reported by Alice Lipowicz on FCW.com. Burton warned, however, that "this train may be moving too fast."
On the other hand, Tom Kaneshige wrote an article in CIO magazine that tells managers not to expect BYOD policies to save money. Citing research from the Aberdeen Group, he writes, "BYOD's dirty little secret is that most CIOs aren't seeing cost savings. In fact, mobile BYOD often costs more in the long run than company-owned mobile devices."
Ever-practical ZDNet published an article by Rob Shaughnessy on how to make BYOD work in practice. He advised managers to enlarge their network capacity or make it more efficient through wide-area network optimization techniques.
Then, he wrote, organizations should carefully evaluate the risks and benefits associated with employees using personal devices for work and clearly communicate their best practices and acceptable-use policies for the devices.
About the Author
Technology journalist Michael Hardy is a former FCW editor.
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Inverse-BYOD. is where the enterprise provides employees a user-managed device for Internet access, denies them enterprise network access, imposes Acceptable-Use / Behavior policies, provides Internet connectivity, and enforces relatively weak device security requirements. Inverse-BYOD increases enterprise network security by decreasing Internet-based risks, improves network performance by offloading modern, high-bandwidth traffic to less-managed local networks, improves user access to Internet content (typically because of less filtering for risks, larger connections, and lower latency), improves mobility (assuming the enterprise network offer some Internet-facing services like email or remote desktops), and improves moral since employees can use the latest commercial technology (and not their own devices) to be most effective. For a network with highly valuable intellectual property, Inverse-BYOD decreases total costs.
Bring Your Own Disaster (BYOD) is another case of there being a rational approach (such as virtualized phones) becoming available that will be trampled by hype-mongering senior executives. Followed inevitably by sageful presentations about their 'pilots' and 'lessons learned' on the speaking tours. Followed by some sap in IT O&M getting stuck with the blame for some horrendous breach or loss of unencrypted data. Followed by some knee-jerk reaction to codify specific hardware/software into a unified architectural approach. Followed by lack of capability. Shampoo, rinse, repeat.
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Hey, friends!! So, welcome back to Debt Roundup for another fun and exciting look into the world of personal finance. Last week, Mike wrote a great article about Good Debt vs. Bad Debt. I'm not necessarily opposed to debt altogether, in fact, when Grayson took out a loan for his jeep, I wholeheartedly supported his decision. But just for the fun of it, I wanted to write today about the other side of the story, and how, on at least some level, all debt can be a recipe for disaster if the circumstances are right – or wrong. So today we're going to look at the "good debts" that Mike wrote about, and give them a little dissection.
Student Loan Debt
While it's absolutely true that a good education can increase your income potential, it doesn't always increase your income. When considering taking out loans for education, it's crucial to weigh the cost of the education vs. the field you're planning on going into. For instance, $90,000 education for a job in social work that pays $30,000 can mean absolute financial disaster for a single person without another income to help cover the costs. Another thing to consider is the borrower's ability/willingness to pay their loan back. A doctor might spend $150,000 on his/her education, and might soon work up to a $125,000 income. However, is he/she willing to live like a student instead of like a doctor in order to get those loans paid off sooner rather than later? Has the potential doctor considered other factors that will eat up their income, such as malpractice insurance? Too many doctors and other high-paid workers increase their lifestyle along with their income, thereby eliminating the possibility of paying off those student loans in any reasonable time period, holding on to those loans for 2+ decades, and paying a massive amount of interest in the process. These decisions that can have devastating impacts on one's financial life, regardless of the career they choose.
Or what if the career a student has chosen, high-paying or not, suddenly becomes over-saturated, leaving jobs in that field hard to come by. The field of law comes to mind when proposing this argument of job over-saturation.
This is not to say that student loan debt is always bad, it's simply that before taking out a loan for college, one must weigh all options/possibilities, for the good and for the bad, before taking the plunge into student loan debt.
Real Estate
Many factors also come into play when we are deciding whether mortgage debt is good or bad. The housing market crash of 2008 is a perfect example of this. Housing values decreased by as much as 35%, and foreclosures increased by over 81% in the years following the 2008 crash. People who purchased their homes in 2004-2007 suddenly saw as much as 35% of their equity disappear, and if they hadn't put any more than the minimum down, they were suddenly underwater on their homes, by no choice of their own. And the stock market crash that preceded the falling housing values and rising foreclosure rates contributed to the problem greatly by ushering in a great many job layoffs and/or hiring freezes, therefore decreasing incomes for many Americans. Fault or no fault, it's never good to be in a situation where you're underwater on your home, no matter what the cause. Now, I'm not necessarily saying that everyone should only buy a house after they've saved up the entire purchase price in cash, however, it's wise to think seriously about borrowing such a substantial amount of cash. A larger than normal down payment and a hefty savings account will do you good if you attain these things before you purchase your house. And after you buy it, commit to getting it paid off ASAP, as you never know what kind of trouble life can bring.
Business Debt
As Mike pointed out in his post, business loans can go wrong, and Grayson's story is a perfect example of this. I had an acquaintance who went through something similar. He got fed up with his job, quit on the spur of the moment and started his own business. $100k later, he filed for bankruptcy and lost his house, leaving himself, his wife and kids in a boatload of trouble. Forbes magazine tells us that 8 out of 10 new businesses fail. With a failure rate that high, you'd be wise to think twice before borrowing to go into business. Dave Ramsey's story is another great example of the dangers of taking out loans to start a business. At one point, Ramsey owned well over a million dollars in rental properties. Within 6 months, due to a number of financial problems, many of which were not his own doing, he lost everything to foreclosure, leaving his family struggling for basic needs. No wonder he's not a big fan of owing money.
It is true that it often takes money to make money, but before taking out any type of a business loan, it's crucial to think carefully about what you're planning to do. What is the failure/success rate of the business you're considering borrowing for? Do you have a rock solid plan in place to ensure your business has the best possible chance of success? Have you looked at all of the competition for your business? Is it really a product or service that people need and want, or are you seeing it with rose-colored glasses? Do you have what it takes to be a business owner? What is your backup plan for if the business fails?
When my husband, Rick, was laid off from work in 2010, he looked seriously at several business owning opportunities, franchises, start-ups and the purchase of currently operating businesses. For six straight months, his full-time job was researching business owning opportunities. In the end, it was a comment from our insurance agent that helped him make his final decision. Rick was looking at a business that would be complimentary and helpful for insurance agents and their clients, and Rick went to our agent to ask his thoughts about the concept. While our agent didn't disagree with the potential of the business, he gave Rick one wise piece of information. He said, "When I started out as an agent, I spent the first 5 years knocking on doors, asking for business, for a good 8-10 hours a day. Things are good now, but those were the hardest 5 years of my life.". That was what Rick needed to hear to know that, at that time, he would be much happier being an employee rather than a business owner. All of the fantasies about owing your own business had come face-t0-face with the immense amount of work that comes with owning your own business, and it was a real eye-opener for Rick, and it enabled him to get his head out of the business-owning clouds and face up to the reality that he didn't want to be a business owner. He opted instead to take another job in his field, and his income and education in that field have been growing steadily ever since.
Again, not all loans are bad, and there is absolutely a difference, as Mike pointed out in his informative article, between good debt and bad debt. All debt though, no matter the purpose, should be considered carefully and planned for in a way that considers all potential future hindrances.
Would you feel badly if you had to file bankruptcy on a business loan that didn't affect your family? Is business owning for you?


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