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How is The Economic Crisis Affecting Middle Class America?
On Friday, I went to visit Eunice Winchester. She's one of hundreds of thousands of people over the age of 50 who may lose their homes because of foreclosure. She lives in Anacostia — a short drive from NPR, and one of the poorer neighborhoods of Washington, D.C.
Her house is modest, to say the least. It feels as though the entire building could fit into the foyer of some of the mansions north of here. It has two floors and is made of brick and wood. She unlocks the black wrought iron storm door and we enter through a glassed-in porch. Eunice, 62, and her cousin built the porch and she loves it. With its hanging plants, a comfortable couch and small action figures on the window sills, this place is a haven for her. She can sit here in any season and watch the goings-on in the neighborhood.
You can immediately feel the love in this home where she raised her family. She talks about the Thanksgiving dinners she made — although how she was able to cook in a kitchen the size of a hall closet amazes me. There is no dishwasher, barely any counter space, and two people cannot fit between the stove on one wall and the salvaged wood cabinets on the other. Just by the way, she points out some of the improvements she's made — mirrored tile on the living room wall, shiny wood floors and brickwork where rotting wood used to be. You can tell she is very proud of this place.
She would not just lose her home if there was a foreclosure on her house. After meeting her, I think she would lose her heart and soul.
Eunice's story is typical of the many senior citizens who are facing foreclosure in these tough economic times. We're also working on a series about how the economic crisis is affecting middle-class Americans and their ability to feed their families. If you have a story to share with us, post it here.
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Wasting my air time with your umpteenth incomplete coverage of social ills. Whether it is AIDS, Foreclosed Homes, Bad Schools, Teen Pregnancy, Somalia, Congo, Religious Nonsense, Interviews with Politicians, Opinion Makers... What about some real journalism; digging for causes, reasons, facts, patterns? Afraid of loosing funding both private and public.
Little intellect. less rigor, shallow research, people not up to the task...
WIFI radio is here. Many of us have used our computers as radio receivers for years.
Today's example: the lady's house was foreclosed on yet you stated she owned it for twenty years! She never did. Do you dare do a full study as to purchase price, salary, spending patterns? Gracious no...
At 61, I work full time. I love to work, but after a heart attack 2 years ago, all of my retirement savings is gone. My 21 yr. old daughter works part-time as a restaurant hostess.
She can pay for auto gas, some food and clothes for work. My 31 yr. old married daughter was fired from her $23,000/yr teaching job last spring. She has a 1 1/2 yr.old and a 1 day old child! My 80+ parents helped ME financially through over a year of trying to get on my feet. I can't even help my children. I was self -employed while my children grew up and we made a fine living. An injury to my husband took all we had, and then the ultimate divorce sealed the deal for both of us. I don't expect anyone to "bail" me out. I work hard to keep my bills paid and just get by. One paycheck makes my house payment. The second paycheck just about pays utilities. I use about 1 1/2 tanks of gas a month to get to work. I often must use a credit card for fuel and food. I don't mind working hard, I don't expect someone to bail me out. It is obvious that those who lead, are not qualified to make financial decisions that have such deleterious effect on the lives of the general public. Perhaps there ought to be a committee of citizens who participate in the process of governing...selected by the community...NOT elected...just general representatives of the populus. I THINK that's what our founding fathers had in mind. Not the ego-manic, publicity-hungry decision making of politicians. The sum of money that we, the middle class, will be responsible for giving to the failing financial institutions would be far better spent by equal distribution to citizens over the age of 18. The value of this "buy-out" would be far reaching in comparison. Each citizen would receive a significant, 6-figure dollar amount and the FIRST payment would be taxes...talk about an economic stimulus!! The remainder would be put in the economy instantly. I don't know that this is a viable solution, but the point is: why give it to the VERY people who have mismanaged so horribly historically AND currently and HOPE that it will make a difference. Reminds me of the story of the man who beats himself on the head with a hammer, because it feelos so good when he quits!!
Eunice I wanted to say that your goodness in life will surpass the odds which is trying to reuin your accomplishments. Keep your energy positive and remember that you didn't get this far to fail. Today more than ever our society is plague with greed and selfish folks who have very little regards to the folks like you who have spent your life savings just to live a decent and honest life. I am sure glad when I heard that you have some legal help to challenge your mortgage company. It is absolutely sickening when I see whats happening in America. The land of the great. I pray for you and all of us that live in this country. We as a nation has a chronic problem, and that problem is where noone is there to help good folks who fall behind or along the wayside to pick them up and help them stay afloat from the evil which is drowning this country. Eunice I want to commend you and remember the good things that you have done in your life will help to make your life a better one. So stay positive and all good things will come your way. The Lord did not die in vain, so remember, lift your eyes to the mountain top and let your mind be at ease, trust me you will find that your goodness and your determination to survive will be greatly rewarded. Bless you.
Good morning,
When I listened to Liane Hansen's story this morning on NPR, I got the distinct impression that in NPR's opinion, sentimentality outweighs sound decision-making. The subject of your story openly admitted she had not always made her mortgage payments. She openly admitted she continued to have big plans for her home, but not whether she felt these were financially realistic, nor how she planned to pay for them. Throughout the story there was an unspoken sense of entitlement to material well-being, despite having a terrible grasp of what one can and cannot afford. While I in no way support banks who sought to profit by making foohardy loans to people like this, your story in no way addressed whether a more reputable bank would extend her credit.
Hi! Thank you for getting the conversation started, Liane. It was an interesting piece on this woman. But while I do not agree with the tone of Mr. Feingold's comments below, he touches on some points that occurred to me too after listening--and before I saw his comments. After listening I was left wanting to know either more about Ms Winchester and her family story and/or more concrete details about how she ended up in foreclosure. Depth was given to neither. As Mr. Feingold said, she never owned the house. Yes, her income is low--but why did she not talk to the bank the first time she could see a pattern of late payment? What became of her children? Why were they unable or unwilling to help? What became of her husband? I think it is great she did purchase a home for family. And that she able to save it. But, Liane, these questions other commentors and I have point to other dimensions of this problem that have to do with Mrs Robinson's decisions. For example, her mortgage payment on a house in Anacostia that she bought 20 years ago--well, it cannot be much! Especially if she had refinanced during those years. So, I say, smart move on her part to buy a home--But the listener is left with so many questions! In fact, Liane, you led with a question that presumed what I think you wanted her to say, that she had been paying all those years until 'the man' took her house away from her out of the blue. Her own sense of honesty kept you from being able to say that. She timidly offered that indeed she had not been good on making her payments even before the financial crisis! Again we are only left to guess this! And I think Ms Robinsons' own concience instictively knew that she had blame to own.
If you had just left it as a human interest piece, OK. But without the proper information trying to make it a political commentary is not fair. Am I to believe that Ms Robinsons plight is a simply a result of corporate greed? I am left thinking that it could be as much the result of an attitude of entitlement. I think NPR can do and should do much better.
What a ridiculous waste of time listening to this story today. She was able to get legal help to keep her house. Hopefully she learned something during the process. Since she was usually late on her house payments, maybe she got into more of a house than she was capable of paying for!!! Liane wants us to feel that Ms. Robinson was a victim! Shame on you. Now Ms. R has a reverse mortgage.......can't wait to hear Liane's story when Ms. R passes away.......it will be her kids whining that they bank got the house, not them!
Thanks Elizabeth, a note that in our story we said that Eunice owned her home for nearly 20 years. She had four children. Two of them have passed away and currently she lives alone.
1, I agree with the other viewers' comments that you have lost your edge for investigative reporting in favor of light fare and sentimentality. What made you great was the fact that we could count on you for digging into the story, uncovering the facts, the root cause, the unknown...You are doing us a disservice by trying to be the new entertainment media. It doesn't work. What we need is more honest hard-edged reporting. We don't need cute.
2. On the mortgages...no one is looking at the other end of the process...or the front end of the process about how banks are repossessing homes. You talk to someone that has struggled and lost or won, but you are not researching the very process.
I know two people who have been involved in foreclosure. Both stories are very telling about the way the repossessions are being done. While the banks are crying that they are saddled with risky and bad mortgages that they made, they are doing little, if anything, to change the way they do business. What about loans at an acceptable interest rate? What about loans that give the homeowner the opportunity to start fresh and keep up with their payments? What about changing the shark process where they take the home back in place of some reasonable negotiation.
3. Story one. My close friend and her husband bought a home with another "friend", a realtor. A year into the process, my friend learned..quite by accident--that the payments had not been made in some months and the property was in jeopardy. She contacted the realtor who was, of course, very sorry but was ill, whatever. My friend contacted IndyMac, talked to them about the property...found out the amount due, changed the address on the paperwork so they would be on top of the problem. The paperwork never arrived. She contacted them again. The property had been sold. IndyMac refused her requests for the information. She now has an attorney and a credit rating that is in the tank. (Yes, and somebody's going to write in and say that it serves her right for trusting a realtor or for being so dumb.)
2. Another friend is a certified HUD counselor...yes, there are such folks and they know the law and can help people negotiate with the banks.
She was contacted by a woman who was fighting Wells Fargo to keep her home.
She was not in arrears, was employed, was a single parent with a special needs child and had been diagnosed with cancer. She was going to be off of work while she had surgery and treatment. Planning for the absence, she made an extra house payment to Wells Fargo. The mortgage terms did not allow for any prepayment, so they began foreclosure proceedings. The woman fought them with no success and finally learned about my friend whom she contacted. My friend said that she had some leverage with the bank via her HUD certification, "the federal government" and succeeded in getting Wells Fargo to stop the foreclosure.
3. The HUD counselor works for our county's Housing Association whose mission is to promote affordable housing. However, they will not agree to having her help people who are losing their homes, as their mission is to get people into homes...not stay there. She told them the story; they thought it was great; they won't change their focus.
4. So what about it? Look into the bank actions and policies. Expose the indifferent processes that make no concessions. Investigate. Report. Get back to the basics. Please.
Something I have not heard anything about in regards to the current Credit Crisis Bailout plan are any details about the funds to be set up to deal with this. What are the management fees going to be? Even at a 1/2% fee to manage these proposed 50 Billion dollar funds could total 3.5 Billion dollars for the entire bailout program. Where are the details on who is going to profit from this mess?
Thank you for this story Liane. My best to you Eunice.
Sincerely, Nancy
Ms. Robinson didn't own her home for 20 yrs. She was making payments on it - the bank or mortgage co. owns it until the final payment is made!
I am a small business owner. I financed my business on my credit cards because I had no way to prove I could make this business go. Well after 7 years in business, I have good credit and have managed to pay on the $100,000 in credit card debt. I have tried to get bank loans but cannot because I don't have enough collateral. So my dilema is this; how come when I have good credit and a viable business I can't get any help but we can bail out mega money institutions that no longer are good credit risks nor do they have the colloteral sufficient to cover 700 Billion Dollars? Why not give each small business the loans they need if they are good businesses and can prove it. Why not re-adjust bad housing loans that were given to people whose homes were not worth what they paid for them? Calculate the new home values, apply payments made and see if they can pay what is the new amount owed. Lets see what happens when the big banks fail, but first pay everyone their retirement accounts in full so they may re-invest in reputable firms that are REGULATED not by wall street but by college finanacial teachers. There are lots of ways that 700B can be much better spent. It's all speculative. Why give the losers and crooks more to cheat and loose?
It's amazing how insensitive people can be simply because of a different style of journalism. Get over it. Her voice is on the air and she probably has a lot more notariety than you. The story is about Eunice, not the journalist. If you want to comment, focus on the story, not the medium or person it was brought to you by.
I agree with Frederic J. Feingold (previous comment), I expect better reporting from NPR. The headline, seniors loosing house due to current economic crisis and content don't match. The reporting is just like any other channel with splashy headlines but shallow content. Her condition had nothing to do with current situation, even if it were it did not come out in the reporting!. For my continuing pledge, NPR needs to have better research
I do was very underwhelmed by this story. Not only did Liane seem to "lead the witness" ("Did you feel misled...?") But Liane failed to point out the plain fact that Eunice (like so many other problem buyers) could not afford the house the lives in.
Like many of the other commenters here, I also noted that Eunice was often late with payments. How did someone making $32,000 a year qualify for a home? How much did she put down? How resourceful was she in looking for more work, getting re-trained, or getting help from her 2 kids?
Eunice didn't sound financially responsible at all, just sentimentally selfish. Why should I feel bad for every person who wants a house?
Ha - she kept her unpaid-for house anyway - nice work. Good to know this deed-pulling and reverse-mortgage scheme. This was probably the most useful part of this story.
I am a lifelong Democrat, but I have no pity for people who skate on their obligations and then go looking for handouts.
I'm a single breadwinner, taking care of my mom. Who's going to subsidize my dreams of homeownership?
I know - I'll buy a house I can't afford, and then pull the deed and get a reverse mortgage. Thanks, NPR.
I don't see two underlying causes of the credit mess addressed by the government. First, banks use to and should now require a 20% down payment on every house mortgage so the owner has a stake in the property. Second, credit card companies should be forbidden to charge high interest rates and a cap on total individual debt should be in place. Credit plays far too large a part in the lives of citizens. We should return to pay as you go.
I was going to comment on the story about Eunice and add my own but upon reading the posts so far I can only say, "And so it begins!" My son started kindergarten this fall and he has learned the Pledge of Allegiance. When he recited it for me I asked him what he thought it meant. He said "I don't know, it's just a poem right Mom?" It struck me that this is how many Americans view our democracy now. It's just a quaint fable from the olden days without a lot of real meaning and we certainly don't practice the principles outlined in those familiar words. With this current "crisis", just like with all the others our government has cooked up in order to push forward their own agendas, we are not acting like a nation that is indivisible and provides liberty and justice for all. Instead, the "me against them" mentality is played out over and over again. Eunice is just a fellow American, making mistakes, trying her best, and clinging to dreams. Maybe she could have been smarter, more fiscally responsible, and more aware of her domestic situation but why should we ask more from our citizens then we demand from our government and the people they put into power? When fear reigns, humanity is the first casualty. Listening to another person's story is never a waste of time and we should never forget how easily the tragedy may become our own.
It's interesting to realize how many people complain about the reporting or seek to villify the protagonist w/o having carefully listened to key facts in the story. Little things like:
"Eunice owned her home for 20-yrs" (yes Elizabeth, we get the whole "mortgage co./payments" thing)
"Eunice lost her job after an ANEURYSM"
and more importantly:
"Eunice contacted her mortgage company to rehab the loan (we call that 'taking responsibility') and was advised to 'hold onto the money' she had for the payment she was prepared to make only to find out that her home was being sold out from under her despite her efforts to make good and bring a 20-yr loan back into good standing.
The point of the story is that people who have worked hard their whole lives are finding themselves devastated by unforseen financial crises like job-losses and medical issues which prevent them from continuing to work. Our society has become so skewed to benefit the upper-classes that no social safety net exists for people facing financial hardship. Further, it illustrates that even when people make attempts to meet their obligations, they are not properly advised of their rights, are fed misinformation and/or become otherwise in a bureaucratic morass that even those of us with advanced degrees and access to more resources often have trouble navigating.
Newsflash: THIS IS A SERIOUS PROBLEM AND THIS STORY SHOULD BE A WAKE UP CALL TO THE CITIZENRY THAT OUR WAY OF LIFE IS BEING SYSTEMATICALLY UNDERMINED! We are all just one unfortunate circumstance away from being right where Ms. Winchester found herself. It is not the case that everyone in foreclosure is a 'prblem buyer with more house than they could ever afford'... the issue is that the income gap is widening, social mobility (i.e., the measure of our ability to advance economically) is declining rapidly and our government appears more focused on saving those at the top of the economic scale with little regard to those at the margins. We should all be concerned about this issue.
BTW -- it's important to further note that most reverse-mortgages require that one has at least an 85+ percentage ownership stake (i.e., the primary mortgage must be nearly paid-off) so it's wholly inaccurate to mis-characterize Ms. Winchester as 'trying to skate on obligations then go looking for a handout' -- this can happen to anyone - including YOU!
How interesting that the word "entitlement" in some of the comments, found it's way into analysing how Eunice's got herself into this dilemma. Seems to me that for the majority of people in this country, "entitlement" is the norm. However, when it comes to certain individuals in the country - yes, I mean black people - we are not even allowed to think that we should have a decent home, better schools for our children and the ability to go to sleep at night and not worry about where the next days' meal will come from. Not to mention how will the boat be paid for, the summer home, and all the other trappings that the entitlelists indulge in without so much as a blink to how THOSE LUXURIES are enjoyed and paid for mind you. It's been my experience in the world of work for over 60 years, that from the lowest of lows to the highest of highs, this sense of entitlement is relagated to the white folks who from day one was brainwashed into thinking that it's this sense of entitlement will carry them through no matter what the cost.
Keep up the good work NPR.
In my opinion, "We the People" (Like Eunice) who do not have high paying jobs should be granted the right to borrow a low interest home mortgage loan based on income directly from the Federal Reserve Bank which should be nationalized for the people of our nation who for to long have been enslaved by bank's and lending institution's by high interest rates on money that they receive from the Federal Reserve Bank which might have spared the grief for the children of Sergeant Andrew Seabrooks of knowing that their father died in Afghanistan because he needed the money to stop a bank from taking their home away from them due to foreclosure.
NPR, please stop making Eunice sound like a victim. She has the obligation to fulfill her contract by paying her mortgage whether she has the money or not on time every time.
Suppose that she lends her friend money. Suppose that her friend stops making payment to her. Don't you think that she, as THE LENDER, is ENTITLED to get the money no matter how including taking her friend's asset if it is agreed on the contract?
It doesn't matter how much the bank makes profit. You sign a contract, you have to follow the terms and conditions. If you can't pay for the house, then get out! I'm happy living in a decent apartment. Please, if you can't afford a house, stay in an apartment.
And also pay up, deadbeat!
Why will you not ask for the good things that have happened to the middle class. The last 10 years have been the best for me and my 13 employees (4 of which make more money than me) except for the last 18 months. Please ask how the middle class has prospered in the recent years. You are being unfair.
Bart Crattie
Many examples of situations like Eunice Winchester's are finding their way into the media these days. These are sad, especially when people like Eunice are portrayed as the cause of the current credit crisis. We can have someone like Secretary Henry Paulson leave Goldman Sachs with a 700 million dollar package but Eunice, who has worked much of her life and has raised children, has so little material wealth and even almost lost her modest home. What's this about "an unspoken sense of entitlement to material well-being?" Well, yeah! She is entitled to quite a bit!
The so-called bailout will go far to protect Paulson's little nest egg. How's that for a sense of entitlement? But the bail-out will do very little for Eunice. Perhaps someday we will have a society that rewards hard work, no matter who does it as long as it contributes to the collective good. I'm not sure how Mr. Paulson contributed to the c ollective good, but if it was worth 700 million dollars, it must have been a real contribution!
Like Eunice I have been waiting a lot of years for the "trickle-down." I keep looking for it. Nothing seems to be trickling down except for a bill for 700 billion dollars.
Ken Watson
Your story regarding Eunice hit close to home for me. I'm a 32 year old youg professional currently weathering the the economic crisis while trying to start a family. However my 56 year old mother has found herself in a similar situation as Eunice. She lost her job six months ago and has been unable to find emplyment. She has eaten through her saving and is now in danger of losing her home. In addition this crisis has started to affect her mental health. So much so that I've had a to travel home to ensure she isn't a danger to herself and is seeking help. Because she is working poor it is difficult to attain any assistance. It's frustrating to see that there aren't any safety nets for respectable working class Americans who find themselves in a bind. The only assistance available is for those who have no income and no assets left. At that piont it is to late. In my opinion our government is failing those who are the backbone of or country. It is frustrating to see my mother go through these troubles and not be able to help. I may have to mover her into our house in the near future.
There is a web-site that I was currently made aware of, publicmarkup.org, that allows you to read proposed bills. The proposed bailouts are on there and asks for comments on any part of the bailout. Aside from listening to what people/political leaders say about it all tax payers should try to read it to understand what we are being held responsible for. Another small step for democracy using the internet.
Shocked and saddened by the comments here, particularly from NPR listeners. Wow. Eunice was not perfect; she is human. And for those with little sympathy: When you are struck with a critical illness and thousands of medical bills, lose your job and your home is foreclosed on, please don't expect any "sentimentality" from your fellow Americans.
those who can not pay there committments on time are as much at fault as the greed on wall street.It is becoming predictable and sickening that people like this women are being potrayed as victims when there aoethy and sense of entitlement are abig problem with this countries economy.Wall street greed should be procecuted and those who chose not topay there bills should be given tents on aone timeonly basis.
After listening to the story about Ms. Winchester, posts were requested regarding "How the economy is affecting the middle class' ability to feed their families."
This is my post:
My husband and I are in our late twenties and two years ago we purchased our first home. Unfortunately, we were wrapped up in actually being able to own our own home and entered into an ARM 80/20 loan with the hopes of refinancing two years later. That will not happen, and on December 1 our mortgage will go up $300.
I work two jobs just to be able to have something to rob from Peter to pay Paul. I commute to my primary modestly paying job, so the gas prices have seriously affected our net income. We have had to scale our grocery bill down extensively...beans, rice, and multivitamins get us through.
When I was little I used to think that my grandfather was so strange because he always had a pantry full of non-perishables. He used to tell me that he grew up during very different times and he was raised to prepare for the worst...just in case. My rebuttal would always be something to the effect of "It's not the great depression anymore grandpa, snap out of it." Well, a close friend is giving us some gift cards to a local grocery store and with these I will buy some meat (the first of which we've had in a long time) and hopefully a pantry full of non-perishables...just in case.
If I had been in Eunice's situation I would have sold the house and gotten out of the market for the time being. What bothers many of the listeners, I think, is the mentality of "because I work every day I deserve a house." If wages are an issue in this country, lets address it. If banks are taking advantage of people, lets address it. But to simply draw political conclusions from patchy reporting is a diservice to Eunice and to listeners.We can only go on the information that the reporter gives us. We all make mistakes. But let's own them. Let's put the blame where it is due. There may be some blame Eunice needs to admit. But blame may greedy people on Wall St. But let's get the whole picture, Liane.
I feel bad that people who ask for facts, logic and honesty are characterized as "mean." I am a registered democrat, annual contributor to NPR, and have given 19 years of my life to work in the inner city. I currently rent and am saving for a home. I don't think anyone owes me one. And, yes, bad things happen to good people. But, in those circumstances we do fund raisers at church, we ask for help from friends and family. It's not a good idea to say--"well, I did my best. Now the goverment owes me." Now, left wing indeologues will gladly take up Eunice's cause (not asking for details) and use her and others like her for their political ends. (Much like unscrupulous lenders who will say "everything is possible, Eunice, on a low income.") If we want to hold our government accountable, then we must hold ourselves accountable. The argument among some of the commentors seems to be that since government is not held accountable, we shouldn't be. How quickly we give up our principles when it not convenient. By the way, if tragedy befalls me, I don't want a sentimental story of me, thank you. But I will take a great community fundraiser! THAT is the American spirit!
I'm a high school economics teacher and investor. I just don't understand why this meltdown is a surprise to anyone. Since 1985 our National Savings Rate (according to the Fed) dropped from an average of about 10% to 0. Actually in 2005 we were buying so much on credit we went NEGATIVE! Meanwhile our consumer debt has grown from half a trillion dollars to over $2.5 trillion. That is a personal debt of little over 18% of the US GDP (2007). Furthermore, US public debt reached $5 trillion, nearly 37% of the US GDP (2007), and total national debt reached $9 trillion or over 65% of the US GDP (2007). What a perfect trifecta: the government owes $9 trillion, consumers owe over $2.5 trillion, and consumers have been saving (on average) less than 3% since 1999... The total per capita debt is over $38,000 while the per capita income was nearly $27,000 (US Census 2007)... I realize I'm just a high school econ teacher but I don't think it takes much to understand that this consumer debt had to come crashing down on us.
The situation Eunice Winchester and millions of other Americans are or will be facing is testimony to our need to change our policies. They have tilted for too many years toward financial institutions and against interest and well-being of homeowners and consumers.
We would do well to adopt something like the British policy which when banks fail and people default on mortgage repayments, the homes go into public ownership with the former owner given an indefinite ability to rent the home for their own occupancy.
My husband and I have managed to be in the wrong spot numerous times. We have lost $300,000 in 2 years. First we moved at the peak of market for a new job with a city position that ended up being a contract position and he was let go after two years of employment.; my husband became very ill and was in and out of hospital for 6 months and we lost more money; He is still unemployed after 1.5 years. I own my own business and work has been constantly declining with my largest client declaring bankrupcy. I signed for a mortgage for my son and as I knew we were going into bankrupcy I begged my adult kids to get the loan out of my name only to find out that the $178,000 home is now worth $110,000. There is no way they can refinance the home and put it into their name. All the funds to purchase the home were put in by them, Their home is also going into foreclosure,
I wake up with terrors about living on the street. We are a doomsday away from losing everything. The news and stories are filled with terror provoking information. I don't understand the financial buyout and wonder if there are other dangers that will ply on me. I would like to see a ven diagram with how the money will flow and where the middle class people are, particularly if we were unlucky enough to have made changes in our housing and work during this fateful 3 year time.


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Sale Price $
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- Apparel Sizing
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Blow the competition away this season in the adidas Winter Climacool Polo. It features a self-fabric collar with four-button hidden placket, mesh inserts at upper back and sides for increased ventilation, printed graphic on chest, 3-Stripes on sleeves, and a heat transfer adidas logo at right chest.
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|Other items in adidas Discount Apparel
adidas Men's Spring barricade Traditional Polo
adidas Men's Spring adizero Bermuda Short
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Beer brewed in honour of Dave Mackay will boost Colin Bloomfield Melanoma Appeal
A SPECIAL beer is being produced in honour of Dave Mackay, with some of the proceeds going to help the Colin Bloomfield Melanoma Appeal.
A SPECIAL beer is being produced in honour of Dave Mackay, with some of the proceeds going to help the Colin Bloomfield Melanoma Appeal.
BRIDE-TO-BE Hannah Ward had a "minor meltdown" and panic attacks after her wedding was cancelled by the venue.
A DERBY man is making a prime-time TV appearance this weekend when the nation will watch him being put under hypnosis.
LEE Grant believes Derby County are more than capable of finishing the Championship campaign strongly – despite their recent struggles.1 comments
KEVIN Wilson has confirmed he is to leave Ilkeston at the end of the season.
WORK has begun to construct a giant climbing frame at Derby's Markeaton Park.6 comments
DERBY is full of great things to do but which places offer the best experience in the area?
From egg hunts to shows, there are plenty of egg-cellent things for families to do in and around Derbyshire this Easter. Here are 17 suggestions for a cracking good time:
THE National Lottery Lotto draw might be responsible for making your dreams come true - so are you feeling lucky?
Watch our exclusive videos here:1 comments
Here's how to get in touch with the various departments at the Derby Telegraph.


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|Property type
|Minimum Stay
|3 nights
Relax in the luxury of the beautiful gated community of Andalucia by sitting on the private pool deck and sipping a cool drink while gentle breezes and invigorating music from the music system flows over you.
Whether your visit to Florida brings you for amusement park adventures, golf, tennis, or just relaxing, you will enjoy your stay in our water-front home featuring the amenities of a 5 star exclusive resort.
The large eat-in kitchen features stainless steel appliances with an array of small appliances for your use in addition to dinner/cookware.
Each of the 4 bedrooms is oversized, with the master room having a desk area.
No need to concern yourself about staying in touch, because high-speed wireless internet runs throughout the home.
Fishing is great off the huge private boating/fishing dock with an area to clean your catch and you can grill a feast from your catch on the large stainless gas grill/granite serving area and dine/lounge on the pool deck.
This unique home was built by a German Engineer that tripled every standard for the home, so each door is solid steel with all glass one inch thick and doors/windows that seal tightly, which just about totally eliminates all outside sounds, and most dust too.
You will want to come here just for the sound sleep you will get.
Whatever your vacation desires are, you will know what 'upper crust' living is like at our Water-front Dream Vacation home in Andalucia.
Keywords: about an hour Drive to Disney, Beautifully appointed upscale 3,600 sq ft home, Very quiet/private in prestigious gated community of Andalucia, centrally located between Tampa and St. Pete for Spring Baseball training. On Deep Water Canal 5 minute boat drive to Tampa Bay, large boat/fishing dock, open floor plan, private pool with pool heat available, wireless internet, Cable TV, hair dryers in each bathroom.
I'm a writer that lives on the ocean in Southern California and we often use this house to visit east-coast friends/family and the seclusion of the home lends itself well for writing/relaxing. We know you will enoy it as much as we do.
Joyce Lorick purchased this house in 2007
Family/friends/secluded get-away for writing.
you can access my two latest cookbooks and download them free by searching the net for Cooking for The Daniel Plan. I hope you enjoy! (I usually write movie scripts.)
We enjoyed the stay in your beautiful home. the location was perfect & so was the weather. Circles has some great seafood & the stuffed grouper was awesome. The "extras" you leave for the guests mad the stay ever more comfortable.
The "B" Boys
not only was the location and house wonderful... but.. doing business with the owners was encouraging. They inspired confidence and were responsive to our needs and questions..
The pictures of this property does not compare to the the true essence of this home. 20 mins from Ybor City, Busch Gardens and other attractions. The home is located in a beautiful gated community of emmaculate beachfront homes. There was 10 of us and we had plenty of room. Owner provides all the little "extras" you need to feel right at home. Thank You Joyce!! The enclosed pool area with outdoor sound system is perfect for a summer cookout (grill is already there) The owner was very pleasant and a joy to do business with. I would recommend this vacation home and i plan to return in the near future.
Certainly enjoyed our time in your home. A beautiful and spacious oasis while on holidays. There were 10 of us we had tons of space. We made many of our meals in the kitchen and even though we would have 6 or 7 working in there it was fine. The security were always very friendly and the neighbors on the back of the canal had wonderful fireworks on New Years Eve. Enjoyed our walks throughout the neighborhood and people were very friendly. Highly recommend to anyone staying in this area.
Joyce was wonderful to deal with.
We went to see the manatees nearby, 2 days at Busch Gardens, over to Orlando to ride airboats and into Orlando. Only about an hour away.
Beautiful, exactly as described, exceeded my expectations.
Very nice House, beatuful sunset at the beach.
There were 5 adults and 2 kids on this trip. We had a great time in the house and there was plenty of space for everyone. We've stayed in Hotels/Resorts before, but this felt like our own private resort. I cooked up a storm in the very well furnished & equipped kitchen and we dined outside in the covered patio throughout our stay. There are plenty of bathrooms in the house that no-one had to wait there turn. We all slept great with the full blackout electric shutters I didn't even know when the sun came up. Clearwater Beach was a nice clean family beach. We went to the Florida Aquarium on 4th July, they stayed open late so we could see the fireworks from the bay, it was a memorable show. The tickets were discounted on that day after 5pm and included bay front access to see the fireworks.We ate at Thai Thani just a couple of blocks from the aquarium, the atmosphere was authentic and the food was outstanding. My sister-in-law got bit by a bug outside exploring the citrus fruits and we took her to Express Care in Apollo Beach, she spent 3 hours there just to get a shot, there was only 2 other people in there! Anything but Express. We also visited Sunken Gardens, a nice tropical garden, but watch out for plenty of lizards. Kids loved the fact that we had our own pool at the house to come home to.
|Rate Period
|Weekend Night
|Monthly *
My Standard Rate
3 night minimum stay
|Cleaning Fee
|$395 + Tax
|Refundable damage deposit
|Tax Rate
* Approximate monthly rate. Actual rate will depend on the days of the month you stay.
Payment is usually accepted in the quoted currency (USD) unless the currency and the amount is specifically agreed in advance with the owner / advertiser.
Learn more about this vacation rental at the owner's website:


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i'm not really to worried about it but i was kinda wondering what to expect when i go to bottle in a week. I have a beer that has been fermenting for 7 months 2 in primary and 5 in secondary undisturbed at about 59 deg f. i have been waiting to let the flovors tone down because i made 2 batches of it when i was playing with all grain and the hops are higher then i like. i just made a beer to blend with it and now that i look at the first batch it seems a bit darker and there is something floating on the top in a thin layer kinda like some one put a bunch of oil on the top and it's just floating there.
anyone have an idea of what it might be ? i have never let a beer age that long in a carboy.
Battle Axe brewing
I've had this happen before. Most of the time it's when I use a lot of hops. Not to worry. Never had a problem. I can say I've never had much luck in blending a batch.


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04 Nov 14
Alexis Sanchez Scored an Incredible Volley Off His Own Free Kick vs. Anderlecht
That' a bit special.
06 Oct 14
EPL Monday: Are You Not Entertained?
Fighting managers, the EPL in a nutshell.
13 Sep 14
28 Jun 14
Alexis Sanchez Goal Tied Chile with Brazil
Even stevens.


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I don't have one yet, but probably the PS3 and 360 won't have anymore support by the time I get a Wii U. So then it will be my main console.
Wii U Forum
Topic: Is the wiiu your main gaming console?
Showing 101 to 101 of 101
...Wolf O'Donnel later crashed his Gundam, and went back to flying Wolfens...
I am the Wolf...Red


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Item: 939242 Model: 4995
Staples® 2.5 mil Heavy duty ice bag comes in tubular construction with a durable double bottom seal for maximum strength. 8" x 4" x 22" Bag with poly film retains flexibility at low temperatures to reduce breakage, sold as 1000 per case.
|Width Details
|8 inches
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|Length Details
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|Type of Bag Details
|Type of Bag
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This Web site is intended for use by US residents only. See International Sites. See our delivery policy for full details. Copyright 1998-2014, Staples, Inc., All Rights Reserved.


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You may have noticed things look a little different around here - we've switched to a new platform (XenForo) and have some new forum styles and features. This how-to guide will help you find your way around. If you find anything that looks strange, post it in this thread.
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Discussion in 'Site Suggestions, Announcements and Guidelines' started by metril, Nov 1, 2007.
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Downriver Gun Shop Owner Blames Obama For Ammo Rationing
A local gun shop says gun and ammo sales have more than doubled compared to this time last year.
Comcast To Firearms Shops: Your Money's No Good Here
"There are a lot of other issues out there that they ignore," said Dan Compeau. I'm sure they air many other shows where people get shot, killed, blown up."
Another Push To Allow Concealed Weapons In Mich. Schools, Churches
Another effort is underway to allow concealed weapons in public schools across Michigan after similar legislation was struck down last year by Gov. Rick Snyder.
Michigan Senate To Consider 3 Gun-Related Bills
The Republican-led Michigan Senate Judiciary Committee plans to consider three gun-related bills introduced in the first week of the state's legislative session.
Security Officer Leaves Gun Unattended At School
Officials say a security officer hired to help protect a Michigan charter school left a handgun unattended in a school bathroom.
Grand Rapids Doesn't Plan To Change Gun Ordinance
The Grand Rapids City Commission doesn't plan to amend an unenforced firearms ordinance that appears to conflict with Michigan law.
Flint Teen Charged With Murder In Best Friend's Death
A prosecutor has charged a 16-year-old Flint boy as an adult in the shotgun death of his 15-year-old friend.
Detroiter Claims 911 Call Of Stolen Van With Gun Was Ignored
While Detroit Mayor Dave Bing and Interim Police Chief Chester Logan explore a restructuring of the city's police department, some residents are expressing frustration with how their calls are being handled.
Mayor, Police Chief Respond To Shocking Murder Rates In Detroit
Across the city of Detroit, residents are growing weary of the violence — especially after crime statistics revealed 386 criminal homicides took place in the Motor City during 2012. So, what are city leaders doing about the problem?
Man Shoots Finger Off While Hunting In Michigan
Authorities say a west Michigan man accidentally shot off his index finger during a hunting incident.


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Toast almonds in a wide frying pan over medium-low heat, stirring frequently, until lightly browned; turn out of pan and cool.
Using metal blade, process garlic until chopped.
Cut onion in chunks, add to garlic, and process with on-off bursts until onion is chopped; set aside.
Break mushrooms in half if large, drop in processor bowl, and process with on-off bursts until coarsely chopped.
Melt butter in frying pan over medium-high heat.
Add garlic, onion, mushrooms, salt, thyme, and pepper.
Cook, stirring occasionally, until most liquid has evaporated.
Process almonds until coarsely chopped.
Remove 2 tablespoons nuts and set aside.
Process remaining nuts to form a paste.
Pour oil down feed tube and process until creamy.
Add mushroom mixture and process until pate is smooth.
Add reserved nuts and blend with 2 on-off bursts.
Cover and chill if made ahead.


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Hi , we are a french young couple and we'll hopefully be staying at your place for the next two days, we are young and dynamic and we have spent last semester studying at the ESEC in Bcn. My Name is Louis and I coming back to accomplish an internship in a webmarketing company in Diagonal, and My girlfriend Agathe will me an intern in a design agency in barcelona .
we are actually here so that we can look for a place to stay for a longer period and so, we need a room while we look for an apartment)
I think we will be arriving in the middle of the afternoon,I'd say around 5 or 6pm. Hope that would work for you ...
We look forward to meeting you,
I have a Spanish phone number BTW : (phone number hidden) (it doesnt work as long as i'm in France though...)
Here's my French number : (phone number hidden)


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Man faces insurance fraud for arranging ATV theft
WILLMAR -- Brian Lee Paglusch, 40, of Paynesville, made his first appearance Thursday on a felony insurance fraud charge for allegedly having someone steal his four-wheeler, collecting the insurance money, getting the ATV back and hiding it on a farm.
He was released on his personal recognizance. His next appearance in Kandiyohi County District Court is June 1.
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Thanks for taking the time to report this user.
Your participation helps keep Airbnb a safe and trusted
community, and it doesn't go unnoticed!
From the Rocky Mountains of Colorado to the Dolomiti of Italy!!! Life has given me the unique opportunity to live another country for a few years. I can hardly believe some of the places we have been and experienced. The adventure continues . . .
Amy has completed online and offline ID verification.
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Amy and her husband were very considerate guests and left my apartment in perfect condition. Welcome back anytime!
Amy and her husband were the perfect guests!! They were really friendly and polite and treated my apartment as if it were their own. They are always welcome at my apartment!


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Wanna Sell
I have a 1989 Ford Escort want to sell to someone on my job. It has 100,000 miles on it. I don 't know whats the going price for a car this old. Please help. I'm a female and know little about selling cars.
Your car does not show up in the gold book. Too old.
That basicly says the car is worth nothing. Wholesale $50.00. If it is in VERY good shape it might bring $200.00.
With your mileage maybe $250.00. If it drives i'd give you
$100.00. Ford Escort is a disposable car. Drive it and throw it away.
On the contrary, it's worth what someone is willing to pay for it, especially if it's in working order and how likely to pass inspection, etc. Running car? I don't care what the book value says for a really old car. My sale price would start around $500 for an old working car in decent condition and go up and down from there, depending on major problems (eg, no a/c,) BTW, low-ball offers can always go somewhere else.
On the other hand, if you just want to get rid of it, no hassles, and be done with it now, that's another story. Then sell it for a few hundred and be done with it. Its' fair.
Also, instead of looking at book value, you can open the paper's classifieds and see what folks are asking for similar cars. It won't be exact, but it will give you a good idea of "fair".
Depends on what your looking for and what the price will
bring and where you sell it. Prime example. There is a site that has a 69 G.T.X. for sale. Basket case. Not the right motor and in hundreds of pieces. They want $16,500.00
I can go down to MN. and get the same car fully restored
and drive it home for $18,000.00. People are nuts. They see old cars on Berrett Jacksons and think their cars are
worth millions. Most are junk.
Whatever you can get for it works.
From a KBB link which does list 1989's...
I've sold a few old crocks in my time. Once they are over 10 years old they are old shaggers and worth little more than the fuel in the tank and the tax on the screen. Once in a while you may get some gullible old sod who will pay over the odds because the car is washed, waxed and hoovered. But it is still an old shagger that will be worth bugger all once the shine has faded and there is fag-ash on the carpet. A turd can't be polished. A jalopy is a jalopy and it won't be anything special unless it becomes a classic and that only happens to certain models.


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Eighth Murder in Austin
Four Motorcyclist Fatalities in the Past Week
Texas schools closer to being graded on an A-F scale
Cook calls 'religious objection' laws dangerous
Who is right? Who is wrong? Cop bashes car window!
Pentagon chief backs concept of a joint Arab military force
US offer for global climate treaty: 28 percent emissions cut


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Oregon Democrats push for background checks on private gun sales
SALEM - Oregon Democrats introduced a bill Thursday to require background checks on private firearm sales, setting up a showdown with gun rights advocates that could come as soon as next week. Gun control ...
Paid sick leave mandate advances in Oregon Legislature
SALEM - Democrats on an Oregon legislative committee voted Wednesday to advance a bill that would require nearly all employers to give workers up to five days a year of paid sick leave. The measure would ...
Oregon legislative panel advances schools budget
SALEM - Democrats on an Oregon legislative panel voted Tuesday to advance a $7.255 billion spending plan for primary and secondary schools. Education interests have criticized the budget as inadequate, ...
Upcoming Brittany Maynard video supports aid-in-dying bill
SACRAMENTO, Calif. - The family of Brittany Maynard will release a new video recorded before her death of her testimony in support of California's proposed aid-in-dying legislation ahead of a committee ...
Salem crews trying to stop spread of black walnut disease
SALEM — Crews are cutting down 14 century-old black walnut trees at the Oregon State Hospital and are trying to save 38 more from an infestation that could threaten the species citywide. The infestation ...
US Rep. says timber county payment extension in the works
GRANTS PASS — U.S. Rep. Greg Walden said Tuesday that House Speaker John Boehner has agreed to include a two-year extension of subsidies to Oregon timber counties in a bipartisan agreement to overhaul the way doctors are paid by Medicare.
Washington man says Oregon police used excessive force
EUGENE — A man who got kicked out of a Social Distortion concert in Eugene last fall has filed a complaint against two city police officers, saying they unnecessarily used a stun gun during an incident ...
New look on the horizon for popular reservoir near Ashland
ASHLAND — Patched together over more than 50 years, the marina at Howard Prairie Resort seems like a project even extreme makeover shows might shun.
Glitch sends false notice to crime victims, triggers probe
Routine computer maintenance caused a major technical glitch that sent out thousands of false reports, saying prison inmates had been released, according to Oregon officials.
Fare turnstiles coming to 2 Portland light-rail stations
PORTLAND — After decades of operating on the honor system at its light-rail stations, TriMet plans to install turnstiles at two stations on the soon-to-open Orange Line. The Oregonian reports that ...
Salmon fishing off S. Oregon coast looks good for 2015
Enough adult salmon are now finning off the Southern Oregon and Northern California coasts to give Brookings a good chance to repeat as Oregon's top port for boating chinook.
State bills would limit access to officer body camera videos
State legislators are pushing to make it much harder to release police officer body camera videos, undermining their promise as a tool people can use to hold law enforcement accountable.
California governor proposes $1 billion in drought spending
As California copes with a fourth straight year of drought, Gov. Jerry Brown and legislative leaders on Thursday proposed legislation to accelerate more than $1 billion in water spending and urged residents to do their part to conserve.
6th case reported in outbreak at University of Oregon
Public health officials have confirmed a sixth case in the outbreak of a contagious bacterial disease that has killed one student at the University of Oregon. A drive to get students vaccinated is less ...
Oregon House approves bill banning gay conversion therapy
SALEM - The Oregon House voted Tuesday to outlaw a therapy that purports to change the sexual orientation or gender identity of young people, with several lawmakers arguing the practice has been discredited ...


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Spain: Spain paves way for gay marriage
Spain's lower house of parliament has approved the right of homosexual couples to marry and adopt children.
Submitted on Sun, 04/24/2005 - 00:00
Related News
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- Kyrgyz Mufti Issues Fatwa Against Gays, Challenges HRW
- Bangladesh: Matrilineal Marriage - 'My mother and I are married to the same man':
- Tunisia: Not Illegal, but Taboo.
Related Actions
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- UPDATE: Pakistan: Shamial and Shahzina released and together
- UPDATE: Pakistan: Teenage girl abducted, raped and disrobed


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Texas Attorney General Ken Paxton filed suit on Wednesday against the US Department of Labor (DOL) over a plan that would allow same-sex couples medical leave benefits. The proposed legislation involves the Family Medical Leave Act, which requires employers to allow employees time off for certain ...[read more]
A Myanmar court on Tuesday sentenced a New Zealand bar manager and his associates to two-and-a-half years in prison for insulting Buddhism in an online advertisement that showed a psychedelic depiction of Buddha wearing headphones. Philip Blackwood, Tun Thurein and Htut Ko Ko Lwin were sentenced ...[read more]
The Wisconsin AFL-CIO and two local labor unions on Tuesday filed the first lawsuit challenging the state's newly enacted "right to work" law. The International Association of Machinists Local Lodge 1061 and the United Steelworkers District 2 filed the lawsuit in Dane County Circuit Court to ...[read more]
The US Supreme Court ruled Monday in Perez v. Mortgage Bankers Association that under the Administrative Procedure Act (APA) federal agencies are exempt from notice-and-comment requirements when amending or repealing interpretive rules. In 2006 the Department of Labor's Wage and Hour Division ...[read more]
UN human rights expert Maria Grazia Giammarinaro on Monday urged the Malaysian government to make improvements to its efforts to combat human trafficking. At the conclusion of her first visit to Malaysia, Giammarinaro said that there are currently several million undocumented migrant workers in ...[read more]
The Wisconsin Senate on Wednesday approved Senate Bill 44, commonly known as the right-to-work bill. In general, the legislation provides that employees cannot be required to join a labor organization. Without financial support, unions are limited in their ability to bargain and recruit new ...[read more]
UN Secretary-General Ban Ki-moon on Thursday called for a worldwide end to all forms of human exploitation. The message, released as part of the UN's World Day of Social Justice set for February 20, 2015, calls for a worldwide effort to "not leave behind those who are socially and economically ...[read more]
The Missouri House of Representatives on Thursday approved a right-to-work bill by a vote of 91-64. The bill will now be sent to the Missouri Senate, where it could face a filibuster. Even if the bill is approved by the Senate, Governor Jay Nixon is expected to veto it. The bill allows workers ...[read more]
Labor abuses persist in the United Arab Emirates (UAE) despite attempts at reform, Human Rights Watch (HRW) reported Tuesday. The report details the exploitation of migrant workers building a high-profile cultural complex in the UAE that includes branches of the Louvre and the Guggenheim museums. ...[read more]
South Carolina Circuit Court judge John Hayes III on Wednesday overturned the 54-year-old convictions of nine African American student-activists jailed during the civil rights movement. Arrested while undertaking a lunch counter sit-in, the "Friendship Nine"—Clarence Graham, Mack Workman, ...[read more]


text:
"Smash" Creator Theresa Rebeck Emailed Me
The emails were in response to the story I wrote about Smash in January.
The emails were in response to the story I wrote about Smash in January.
Kate Aurthur a year ago 57 responses
Smash was supposed to be the show that saved NBC — but people laughed at it instead. How did it all go so wrong?
Kate Aurthur 2 years ago 68 responses
EMAIL firstname.lastname@example.com
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text:
Latest Issue: 28 March 2015
- Pilgrimage to nowhere
There has long been an ambivalence about the man who was both the ultimate betrayer and the means by which God's plan was fulfilled. The author of a new book visits the lonely place where the renegade apostle took his own life
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- US Archbishop Cordileone defends right to ban altar girls
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27 February 2010
30 September 2010
Mine was With The Beatles. It was pretty good, especially the cover.
1 May 2010
Marcelo said:
My first album (CD) was Creedence Clearwater Revival "Green River"
Mhhh I have never heard of them Marcelo.. which album would you recommend to start?
Edit : I mean I have heard some songs, but I don't remember any...
29 September 2010
29 September 2010
First album was......(One, two, three) FAH! Introducing the Beatles, which I, uh, misappropriated from one of my siblings.
First cassette: Sgt. Peppers (14 years old, listening to it in the garage in my dad's Plymouth, so I could hear it in glorious stereo! No scratchy album sounds on it, hooray!)
First CD: (Tie) Rubber Soul and Revolver. Bought 'em a couple weeks before I even had a CD player.....
Never thought of it before-- Beatles across the board--although I'm not too surprised I guess....*laughs!*
14 April 2010
27 February 2010
mithveaen said:
Marcelo said:
My first album (CD) was Creedence Clearwater Revival "Green River"
Mhhh I have never heard of them Marcelo.. which album would you recommend to start?
Edit : I mean I have heard some songs, but I don't remember any...
Actually, Green River is a very good start!
7 August 2010
1 December 2009
27 February 2010
vonbontee said:
Actually, Green River is a very good start!
...then follow up with everything else they ever did! (OK, you can skip their final LP...)
Yeah, you can skip it. Stu and Doug songs sucks serious ass...
1 May 2010
Well I got Green River and I love it!! Tombstone shadow truly rocks!!
I guess I'll get the other albums as well. I didn't know how to use the rest of my itunes credit but now I know! Thanks Marcelo!!
11 November 2010
Zig said:
Oh Lord, am I the first one on this thread to type the words 8-Track? My first 2 were
My first LP was
I don't recall my first Cassette but the first CD was
That's a pretty good list. The Smithereens are awesome.
My first CD was The Beach Boys – Pet Sounds
I don't have a single first LP. I bought a lot of five or so. The ones I remember are The Beatles' White Album, Abbey Road, and some Kinks greatest hits compilation.
I can't find a picture of the Kinks compilation. In fact, I can't even find any indication that it ever existed.
The first cassette I owned (I think) was Pink Floyd – A Momentary Lapse Of Reason
14 November 2010
9 June 2010
9 June 2010
14 November 2010
Paulrus said:
So you'd be about 18 then? There are quite a few 13/14 year olds on here (including myself), a few 16 year olds, and a couple of 18 year olds too, I think.
I actually can't even remember my first album...
I'm 16! good guess. close. most of my friends are 18 though so I just count myself to be 18 a lot. good to know you guys are youngins' that like the Fab.
12 November 2010
My first Beatles album (that was mine to own) was "Beatles 1", bought for me by my Dad when I first started Kindergarten.
My first non-Beatles CD was Stunt, by The Barenaked Ladies.
Yes, I'm a young-un; brought up long after vinyl and casettes were obsolete. Doesn't stop me from enjoying them, though.
12 November 2010
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Industrial Jazz
Credits & Info
- Date
- 02/11/2013
- File Info
- Song
- 2 min 12 sec
- Score
- 4.43 / 5.00
Related Content
Licensing Terms
- Attribution:
- You must give credit to the artist.
- Noncommercial:
- You may not use this work for commercial purposes unless you make specific arrangements with the artist.
- Share Alike:
- If you alter, transform, or build upon this image, you may distribute the resulting creation only under a license identical to this one.
- Score:
- Rated 4.43 / 5 stars
- Plays & Downloads:
- 2,335 Plays | 140 Downloads
- Share Links:
- Genres:
- Easy Listening - Jazz
- vs
- capcom
- jazz
- classy
Author Comments
Rated 5 / 5 stars
That is great theme! Good dynamic and sound! this composition is light and memorable!
Thanks for the feedback.
Rated 5 / 5 stars
Kinda reminds me of bayonetta great work!
Thank You. I'm glad that you enjoyed it.
Rated 5 / 5 stars
This is really good I think I get what you and the other person are saying about the piano aswell but its not to big of a thing I think it is pretty good as is.
All I gotta say though is dont stop makin music ;)
And don't worry. I don't plan on stopping any time soon.
Rated 4.5 / 5 stars
i like dis. it is teh funkiness. nice story thing happening. idk y u had the piano be so warm/no hi frequencies. anyway i just enjoyed it thuroughly.
Thanks for the feedback. I kinda get what you mean with the lack of hi frequencies for the piano, but in combination with all of the echos and vibraphone action, it just felt right. I'm going to try and mix it up a bit for the next track.


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Comfort Inn University
1590 University Ave.
Riverside, CA 92507
Phone: (951) 683-6000
Fax: (951) 782-8052
Arts & Museums
Planes of Fame Air Museum
7000 Merrill Ave. #17
Chino, CA 91710
+1 909 597 3722
Su to Sa from 09:00 AM to 05:00 PMThe Planes of Fame Air Museum was started in 1957 by Edward Maloney, a collector of WWII aircrafts. Ever since, the museum has been collecting these historic machines, some of which are the only remaining ones of their kind. The museum features the largest collection of Japanese aircrafts in the world. Being a living history museum, these aircrafts still get used today, so check out the schedule of air shows to see history in action.
Earn valuable points toward free nights.


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Single room in shared flat near Brixton station. Inclusive of all bills £350pcm . SW2 2PW
Single room in nice and tidy shared flat near Brixton station . 5 minutes ride to Brixton tube station . Suitable for female . Inclusive of all bills £350pcm . SW2 2PW . Available Now Call Javed on 07985231346 to arrange a viewing .
- Agency
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Would you like to get more done in less time? Then quit multitasking!
Multitasking is working on diverse tasks simultaneously and, usually, doing them all half-heartedly: driving and talking on the phone; attending a webinar and responding to email; or writing a blog post and texting.
Research shows that only about 2.5% of college students can multitask effectively. Two point five percent!


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4:36 pm
Thu September 9, 2004
DEC to SLC: Further Environmental Reviews Are Needed
By Allison Dunne
Hudson, NY – New York's DEC commissioner says plans for St. Lawrence Cement's proposed Greenport plant will be subject to extensive environmental reviews. Plant opponents say the long-awaited decisions strengthen their argument to stop the plant, while a St. Lawrence spokesman says the rulings could help move plans forward. WAMC's Hudson Valley Bureau Chief Allison Dunne reports.


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Help Save My Cucumbers!
Aloha gardening community!
I have a small vegetable garden in my back yard in Kailua O'ahu. I have been gardening when I'm home from college in the summer. I have been learning SO much from the the process! But now I'm stuck!
I think something is viciously attacking my cucumbers! I have two cucumber plants and both of their leaves are suffering from damage. The older leaves turn a much lighter color and have some patches that go all white. Some of the leaves also have what look like bites taken out of them in the middle and around the edges. I have seen some little yellow and black balls on the backs of the leaves as well. Other than that, the backs look pretty similar to the front.
I though these cucumbers had white fly earlier in the summer, so for a while I was spraying them with a soap solution, but I thought that might be damaging the leaves... so I stopped. I also checked the leaves at night for caterpillars once or twice with no luck. Recently I have seen a lot of ants and black lady bug beetles on the cucumbers... could those be what's hurting them?
I'll try attaching some pictures so y'all can see what I'm rambling about!
Thanks so much for your help!
you have to upload them to somewhere on the net first. Photobucket is a popular option-you can open a free account and just cut and paste the code that will insert a picture in your post. If you upload them to a personal site you can use this html code-
paste the url of the picture (right click on pix, select 'properties', copy) between the quote marks. Don't use the space you see after the first bracket or before the second bracket. if i don't put it in there you won't be able to see the code.


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123 Views 1 Reply Latest reply: Nov 20, 2013 8:43 AM by Niel
Niel Nov 20, 2013 8:43 AM
Re: Security Questions for Itunes Downloads in response to ksesperez
Click here for information. If the option to have the answers emailed to you isn't available or doesn't work(the email may take a few hours to arrive), contact the iTunes Store staff via the link in the 'Additional Information' section of that article.
Nobody on these boards can reset them for you.


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I got a lot of time with the notification of 4.3 update, que question is if I need to install 4.3 (still got 4.1.2 rooted) before 4.4 or what? Thanks.
Sent from my SPH-L710
So, what's the process that I must follow for that?
Sent from my SPH-L710
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That's less than $25,000 in market value. What I wonder is if any of the tax selling in late Novemenr will be coming back as bottom fishing buying the last week in December.
I believe you have to wait 60 days to repurchase the stock if you file for a loss on federal tax returns. I did this a few years ago with this stock from purchases in the $10 range on the way down. Pretty sure my acct said to wait 60 days and then it was fine.
Wash sale rule is 30 days.


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Gustavo Cisneros Named 2005 Personality of the Year By MIPCOM.
Mr. Cisneros will receive the Award during the 21st annual MIPCOM TV and video conference to be held on October 19th at Palais des Festivals, Cannes.
"We are delighted to honor the man who has built the Cisneros Group of Companies into the media giant it is today, not only in Latin America but also in the United States and Europe," says Reed MIDEM Chief Executive Officer Paul Zilk. "For over 30 years, Gustavo Cisneros has been at the forefront of Latin America's economic progress and social development. His efforts and the outstanding success of the Cisneros Group, which he oversees, have helped to increase Latin America's profile on the global stage, cultivate new industries, and increase access to information."
Mr. Cisneros is the 14th industry executive to be honored with the award, which was created in 1989 and pays tribute to exceptional careers in and contributions to the international television industry. Mr. Cisneros follows a long list of celebrated nominees, including CNN founder Ted Turner, Viacom Chairman Sumner Redstone, MTV Networks Chairman and CEO Tom Freston, Peter Chernin, President and COO of News Corporation and Chairman and CEO of The Fox Group and Gerhard Zeiler, RTL Group CEO.
Gustavo Cisneros stated, "I am thrilled to be honored by MIPCOM. It is especially gratifying to be recognized for contributions to international television. Crossing borders - not only between nations, but also between cultures and media - is a key element of both my business and philanthropic activities. Moreover I am honored to be in the company of others who have received the Personality of the Year Award, all of whom have made groundbreaking contributions to our field. Of course, credit for the accomplishments that have led to this award is not mine alone. My talented colleagues - all hardworking, intelligent professionals - and, above all else, my wife, Patty, are essential ingredients of my business and philanthropic successes."
Mr. Cisneros has headed the Cisneros Group for over 30 years, overseeing its transformation from local beverage bottling and transport company to an international network of member firms doing business in over 80 countries including media, entertainment, technology, telecommunications, and consumer-products holdings. The Group's holdings include interests in Venevision (the leading broadcast television channel in Venezuela), Venevision International (a Spanish-language entertainment company specializing in TV programming), Univision Communications, Inc. (the leading provider of Spanish-language content to the U.S. Hispanic audience), Movida Communications (the mobile virtual operator for the U.S. Hispanic market), Claxson Interactive Group Inc. (an integrated Ibero-American media and entertainment company), and DIRECTV Latin America (a direct-to-home satellite TV provider).
With annual revenues exceeding $3.5 billion, the Group's business sectors range from broadcast television networks, pay television and interactive services, telecommunications and to beverage businesses and supermarket chains. Through its diverse industries, the Cisneros Group delivers leading brands and high quality services to 550 million Spanish and Portuguese-speaking consumers in the Americas and Europe.
In addition to his responsibilities related to the Cisneros Group, Gustavo Cisneros is a charter member of the United Nations Information and Communication Technologies Task Force. As an ambassador for the media world and the entertainment and communications industries, he regularly participates in a wide range of events and speaks at universities and other venues, including the World Economic Forum, World Management Council, Columbia University, and Rockefeller University, among others.
In 1993, with his wife, Patricia Phelps de Cisneros, and his brother Ricardo, Mr. Cisneros created the Fundacion Cisneros, a philanthropic organization committed to the future of Latin America. The Fundacion operates and funds an array of innovative projects focusing on education, culture, social services, and the environment.
About Reed MIDEM:
Reed MIDEM is a leading organizer of professional, international tradeshows. Reed MIDEM events have established themselves as key dates in professional diaries. The company hosts MIPDOC, MIPTV, MILIA, MIPCOM JUNIOR and MIPCOM for the television and new media industries, MIDEM for music professionals, MIPIM and MAPIC for the property sector and GLOBAL CITY for urban management specialists.
Reed MIDEM is a division of Reed Exhibitions, the world leader in the organization of some 420 public exhibitions and professional tradeshows.


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Anna Kramer & The Lost Cause - "I Went To The River"
Showing 1-2 of 2
Baltimore LOVES Biters
She will change the face of music. Undeniably. Inevitably. Absolutely. Proud to have her as…
I thought Bjork has been out for a while. Liturgy is blowing my mind. And…
:::ctrl+Fs every page of article:::
:::searches 'demdike stare':::
so sad today :(
Word word Silvertooth
Truly abysmal..."abhorrence of material goods" eh? Good thing because this will never provide an income…


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Photo : Kantor Pajak
A picture of 'Kantor Pajak', this photo is taken in the destination of Gadobangkong in the province of West Java in the country of Indonesia. You can click on the image below to see a higher resolution version of this picture, or on the links below that to see more photos by this photographer. You can also add your pictures to this gallery via the links below, or you can click here to see more photos of Gadobangkong, Indonesia.This picture is displayed according to Panaramio Copyright Policies.
Photographer : dinarz [30 March 2008]
Photos provided by Panoramio are under the copyright of their owners


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Kendall and Kylie Jenner visit Roosevelt Field Mall
Kendall and Kylie Jenner were debuting their exclusive line for PacSun in Roosevelt Field Mall. The collection, "Kendall & Kylie," is inspired by PacSun and their California roots. Fans were there to meet the sisters and get autographs.
NY Auto Show, 83 other NYC weekend picks 7 spring fashion trends you need in your wardrobe 24 LI shelter cats looking for homes 7 NYC fish markets to reel in your seafood cravings 17 amazing recipes for your Easter brunch One-tank casinos worth the drive Krispy Kreme and 26 other chains LI wants 34 LI dogs you can adopt now Travel gear and gadgets Good buys for foodies 12 social media pets you should be following 16 things you have to do this spring in NYC


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Self help ... ystic fibrosis, getting the right nutrition is vital. A healthy body weight is necessary to help you fight off infections, and i ... » Read on
Treatment ... t, or as in inpatient in hospital, if your weight loss or symptoms are severe. ... » Read on


text: Home > Sex > Need-to-know Updated 19 March 2013 So what's in semen? In answer to a reader's query on whether it was dangerous to swallow sperm, sexologist, Dr Elna McIntosh, wrote the following. 0 Check Are you a sex addict? » Ask Sexologist » Talk Heart to heart » Quiz Are you ready for sex? » 4 sexercise moves 5 risky sex positions In answer to a reader's query on whether it was dangerous to swallow sperm, Health24's former sexologist, Dr Elna McIntosh, wrote the following answer: A typical ejaculation fills up about one teaspoon; the actual amount is determined by a man's age (younger men usually make more semen), when a man last ejaculated, and how long he's aroused before ejaculating, among other factors. Contrary to what you've heard, semen is not loaded with kilojoules. Each teaspoon of ejaculate has about 21 kilojoules and some 200 - 500 million sperm. Since sperm make up only about 1% of semen, what accounts for the other 99%? Well, its other ingredients include: Fructose sugar Water Ascorbic acid (a.k.a. vitamin C) Citric acid Enzymes Protein Phosphate and bicarbonate buffers (bases) Zinc Can swallowing semen enrich a poor diet? Unless you're gulping gallons of it each day, it's no substitute for real nutritious cuisine. Kilojoules aside, if it's semen (the liquid in which sperm exits the penis) that you're worried about, all the safer sex guidelines apply when you swallow someone else's semen. There's still debate about HIV transmission via semen and oral sex, but there are plenty of other sexually transmitted infections (STIs) that can be passed along by oral sex, too. - (Health24, January 2012) The lowdown on the penis More in Sex Dry, tight and warm - the dangerous practice of dry sex More: SexNeed-to-know SPONSORED: So many prizes! Click through and see our fantastic competitions. advertisement Get a quote Momentum - save up to 35% on healthcare advertisement Read Health24's Comments Policy Comment on this story 0 comments Add your comment Thank you, your comment has been submitted. Logout Comment 0 characters remaining Share on Facebook Logout Comment 0 characters remaining Share on Facebook Loading comments... Live healthier Hypertension » Salt may be bad for more than blood pressure Regularly salting foods heightens death risk How potassium fights high blood pressure Are you eating too much salt? Did you know that high blood pressure affects as many as 25% of adult South Africans? Do you have a sweet tooth? » What's SA's most sugary drink? Craving sugar? Blame your brain WHO says we're eating too much sugar 10 foods with hidden sugar Even if you don't have a sweet tooth, you might still be eating far more sugar than you think.


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|Job Title
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Lagging supply from years of weak construction and demand from foreclosed homeowners who are forced to rent are just some of the trends turning real estate upside-down.
Sweeping New Marijuana Reform Bills Introduced In Congress
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As you know, the emergence of our increasingly health conscious public is driving the growth of the nutraceutical industry.
It is one of the fastest-growing industries worldwide (Forbes, 2013) and is already highly profitable. 697 more words
Worth considering micronutrient and drug combo for hard to treat cancers, say researchers
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Nutraceutical Labels – Custom label printing for nutraceuticals labels and pharmaceutical labels. 134 more words
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Consumer healthcare has become the battleground where pharmaceutical and consumer goods firms compete for growth. With more people around the world dying from obesity than starvation, poor nutrition is now recognized as a major risk factor for chronic diseases. 775 more words
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Archived Story
Seniors rock homecomingPublished 11:02am Tuesday, October 2, 2012 Updated 11:02am Tuesday, October 2, 2012
Senior girls rock in their jerseys and tube socks, dancing to a mix of popular songs. Their dance was one of the many different acts and performances throughout the evening celebrating homecoming week. The homecoming football game is scheduled at 7 p.m., followed by a dance.


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Electric Zoo Drug Deaths Spur More Drug-Screening Measures (Report)
After last year's Electric Zoo festival was marred by drug overdoses, leading organizers to cancel the final day of the Randall's Island electronic-music event, festivals are amping up drug-screening procedures this summer.
This year's Electric Zoo festival will feature especially robust screening measures including drug searches and amnesty bins so that drugs can be discarded anonymously, organizers told Reuters, noting that the festival has always had a zero-tolerance policy.
PHOTOS KROQ Weenie Roast 2014
"We are redoubling our efforts at the gate," Dr. Andrew Bazos, medical supervisor for show organizer SFX Entertainment, told Reuters.
In 2013, two Electric Zoo concertgoers died after overdosing on ecstasy, a mashup of MDMA and unregulated synthetic stimulants, and several other attendees became ill or were hospitalized due to apparent drug use.
PHOTOS The Scene at Coachella 2014
Deaths due to ecstasy and MDMA — often referred to as "Molly" — were also recorded in Washington, D.C., and Boston, but Electric Zoo served as a particularly strong wake-up call to the rave and electronic-music communities.
"How to be healthy has unfortunately been related to what happened at Zoo last year," Bazos told Reuters.
PHOTOS 2013's Best Concert Pictures
A robust medical presence is expected at this summer's concerts, with doctors warning that club drugs become more potent when combined with warm temperatures, dehydration and exertion at all-day concerts. Medical tents, doctors, nurses and EMTs are expected to be on hand at summer festivals, and concertgoers are encouraged to report anyone suffering from an overdose, exhaustion or other health issue.
L.A.-based rave advocate Amy Raves has also started a Facebook community to provide tips for safer raving, acknowledging that its unrealistic to expect total abstinence.
"I teach them the warning signs. What to look out for. To stay hydrated, to not overheat," Raves told Reuters. "These kids love Molly, they love Ecstasy. So I tell them to go get a test kit and shave a little off and make sure that's really what it is," she said.
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