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Category Archives: Debt
How Will Cancelling a Credit Card Impact My Credit Score?
Are you considering closing a credit card? Discover the ways it can impact your finances, and how knowing when to act can make a difference. Continue reading
Paying Down Debt
Discover some strategies for starting to pay down your debts. Choosing to be smart about how you get out of debt can help put you further ahead. Continue reading
How Long Can a Debt Be Reported to Credit Bureaus?
Unpaid debts can put a dent in your credit score that can last for years. The type of negative item on your credit report – whether a late payment, bankruptcy or civil judgment – determines exactly how long the negative … Continue reading
How to Teach Your Teenager the Importance of Paying Taxes
While paying taxes might not be a fun thing to do, it is a fundamental requirement of living in the United States. The responsibility to pay even stretches to children and teenagers who earn enough to reach the Internal Revenue … Continue reading
Budgeting Tools for Paying Off Credit Cards
Personal budgets can help you pay off your credit cards faster by letting you see how much money you have coming in and where you're spending it. Once you understand your income and outflow, you can build a plan that … Continue reading
Top Thoughts to Consider When Using Your Department Store Card
Department store credit cards can often have a misleading reputation for lowering your credit score. But as with many things in life it comes down to how you use them, so if you already have one, don't rush to cancel … Continue reading
Ways to Reduce a Home Loan
If you're like many homeowners, your largest monthly expense is probably your mortgage. So, saving a little on your mortgage over time could add up to real savings. One way to pay down your home loan faster is to make … Continue reading
How I Solved Over $25,000 in Personal Debts
Nothing weighs you down like debt. It makes it difficult to keep up with the big-ticket financial necessities like saving for retirement, purchasing a home, and setting up a college savings fund for your kids. If it's there, though, you … Continue reading
Holiday Gift Ideas that Won't Break the Bank
Before the lessons of the Great Recession, many Americans viewed big credit card bills in January as just one more necessary side-effect of the holidays. But, if you've rethought your spending and saving habits, you may no longer be comfortable … Continue reading
Black Friday: Best Buys and Don't Buys for Holiday Deals
The day after Thanksgiving is commonly called "Black Friday" because it's the day retailers often hit their sales goals for the year and are "in the black." Sales abound throughout Black Friday weekend, and many take advantage of those promotions … Continue reading


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@ntm said:Halo 4 had a good story as long as you got to know what was going on. Sure, if you merely saw what was in the cutscenes during the campaign, it'd be a bit confusing, like who are the Prometh...
Finally a sequel to District 9: An Elysium Tail :)
Good Job Konami, I spent a good 8-10 minutes thinking about 2K games and playing X-Com/Borderlands some more.
If nobody else has, allow me to subpoena one Bradley R. Shoemaker.12 or so mins in he gets on to the Occulus talk specifically, just good to refresh yourself of where things were at in 2012.


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The BlackBerry z10's unexpected success has been taking the industry by storm. After a successful launch in UK, which translated to selling out even the less in-demand white models, according to US Switch, the challenge now is to keep the BB10 crowd happy with successful apps.
Aside from its 700,000 apps currently available in the Blackberry World, AndroidCommunity.com reports that BlackBerry 10 is gearing up for a launch of 28,000 repackaged Android apps.
However, this is made possible through sideloading. This only means that, you can download apps from Android onto your BlackBerry by following a few simple directions, as it is now a click-download-enjoy feature like in other platforms.
This does mean that apps like the Amazon Kindle, which is not available in the BlackBerry 10, can now be sideloaded and enjoyed in your device. Two other things to take note of, according to AndroidCommunity.com is that you would need to turn on the Developer Mode on.
This is easily done by connecting the Z10 to your computer, scouting the Android apps that have been converted to fit the BB10 platform.
At the same time, you need to install the DDPB program onto your computer, so you can pick the apps you want from Android and download them to the Z10.
The Android news for the BlackBerry Z10 doesn't end there, as PhoneArena reports the possibility of BlackBerry's update to the Android 4.1 Jelly Bean. This way, user problems involving unresponsive apps or slow runtimes should more or less be addressed.
However, there has yet to be word on when the update will run for the BlackBerry Z10.
As for the BlackBerry 10 games, however, BlackBerry.com reports that Marmalade is getting onboard to help developers bring games to the BlackBerry 10 platform.
Marmalade is a software maker that provides best performance and portability in the industry of cross-platform applications. Essentially, they make it easier for developers to create apps for the BlackBerry World so that consumers can easily enjoy the apps on their BB10.


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Planting Now?
It's such an early spring and I want to take advantage of the good weather but am nervous that I'm jumping the gun. I'm half an hour south of Milwaukee and the daytime/nighttime temps look to be in the 70s/50s.
Is anybody direct seeding any warm-weather veggies yet (cucumbers, squash, zucchini)? I'm going to keep the tomato plants inside until nighttime temps are 60 though. I probably also won't direct seed any melons until then either. But I'm considering cucumbers and squash...
I'm just above the border and 12 miles east of Lake Geneva. Only cool weather plants in right now. Purchased some beans/eggplant plants over the past weekend and considered putting them in yesterday but I'm glad I waited. I'm trellising my cukes, cantelopes, melons, beans and eggplants on cattle fence trellis this year direct seeding them in bags of soil. I'm going to hold out till this weekend before I make the decision to plant those seeds. I also purchased my heirloom tomatoe plants this past weekend, I'm hardening them off this week and then they are going in very large containers on the decks and in the front of the house. Trying them a couple different ways this year.
Good call -- tonight will be in the 40's. I did end up direct seeding beans a few nights ago and am just happy they aren't out of the ground yet for the cold that's coming tonight. I will wait on the cucumbers, melons, and squash though I find it hard to wait :)
I think I'm mostly anxious because I tilled up my garden already and want to get things in before the weeds take over. Don't want to till again later because I don't want to turn up too many of the worms.


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Serving up 61 years on wheels
Kyabram Meals on Wheels volunteers do their part.August 27, 2014 3:10am
Local Meals on Wheels volunteers do their part during ahead of National Meals on Wheels Day.Pictured (left to right): Meals Coordinator Marilyn Anset, Volunteers Gillian Banks, Jacqueline Smith and Wilma Bergin.
Kyabram Meals on Wheels volunteers are today celebrating 61 years of service as part of National Meals on Wheels Day.
Some 300 volunteers from across Campaspe Shire provide service to 150 people, with local volunteers last year delivering 22
For the full story grab a copy of the print edition of the Kyabram Free Press.
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Group calls for more lighting at Shepparton's Victoria Park Lake
Safety fears and shorter daylight hours prompt Victoria Park Lake user group to campaign for extra lighting.
Lakers crash out of finals
The Yarrawonga Mulwala Cricket Club A Grade team lost its semi-final clash against Bruck on the weekend, bringing to an end their 2014-2015 season.
VIP guest at Guides
On March 5, Member for Northern Victoria Wendy Lovell visited the Tatura Guides, to speak about leadership and also of her experiences when she was a Guide.
Is green the new Nat?
Once upon a time a member of the Greens could be forgiven for feeling uncomfortable in this region.
Team time trial arrives
The 28th Fleche Opperman 24-hour team time-trial finished in Rochester last Sunday as exhausted cyclists rolled into town shortly after sunrise.
KLTC's winning weekend
Two teams, two premierships for Kyabram
Taking a stand against cyber-bullying
A new project developed by Mitchell Shire Youth Council members.
Piano concert in Deniliquin tonight
Leading concert artist Daniel de Borah will perform in Deniliquin tonight as part of the South West Music 2015 concert series.
Support school's anti-bulling day
Heathcote Primary School students are asking the community to show their support for student efforts to stamp out bullying.
Students take on Borneo
A group of Cobram Secondary College will travel to Borneo later this year to participate in the World Challenge.
Piano concert in Deniliquin tonight
Leading concert artist Daniel de Borah will perform in Deniliquin tonight as part of the South West Music 2015 concert series.
Poll Dorset breeders meet
The biannual Poll Dorset Conference at Moama last week heard breed associations worldwide are being challenged to innovate and remain relevant to their members and customers.
Our Paul Kelly
Benalla GP Paul Kelly receives an award in recognition of his 37 years as a doctor in rural Victoria.
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Where there is no guidance the people fall, But in abundance of counselors there is victory...
~ Proverbs 15:22
The Counselling department serves as a vital part of the Supportive Pastoral care service to both members and non-members of Rhema Bible Church. The department serves as a referral source in helping our members find solutions to their problems whether they be spiritual, psychological, emotional, relational and/or social. There are experienced Pastoral Care counsellors who are equipped to assess, counsel and/or refer clients to appropriate Mental health Institutions, Mental health Professionals (i.e. Psychologists & Psychiatrists), Family Law experts, Social Welfare, Mediation, child support, etc.
Specialised Counselling
The Counselling department also offers specialised counselling to both members and non-member of the Church for free. If you need godly counselling in the following areas, you can contact us for an appointment:
– Relationships / Marriage counselling
– Trauma Debriefing
– Anger management
– Sexual disorders / Sexual assault
– Mental disorders
– Conflict Resoultion
– Unresolved emotional issues
Counsel on personal challenges such as:
– Drug Addiction
– Restoration
– HIV counselling
– Renewing one's mind (Godliness)
– Challenged to change (old self-destructive ways)
– Developing a healthy self worth and self-esteem
Call Centre
The Call centre is another important function carried out by the Counselling department. The Sunday Telephone Attendants respond to calls from Pastor Ray's TV broadcasts and thus helps these callers by praying for them as well as leading them to the Lord. Here Telephone Attendants get an opportunity to share God with people from any province in South Africa. Rhema Ministries covers the costs for every incoming call.
Hours of operation: Monday to Thursday 08h30am-17h00
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Rice University
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Bach Week Festival to bring 'Brandenburg' Concertos
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Friday Mar 27 | SF Signal | Comment?
Rich and poor beginning to integrate in Houston
Thursday Mar 26 | Chron | Comment?
The Email Address Debacle: Did Hillary Do Something Wrong?
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27 Stars You'll Be Shocked Are Born-Again Christians
Jon Gnarr Finally Called Jon Gnarr
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42nd Annual Bach Week Festival to Feature 'Brandenburg' Concertos
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Is Blood Really Thicker Than Water?
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Historic downtown school building slated for demolition despite protests by former students
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Houston Symphony Concludes Season With Lang Lang, Mahler, Beethoven and More
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The image of an angel is an angel……
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This is so ridiculously stupid that it's hilarious. Tears stream, down my faaace when Buzzfeed makes stupid mis-takes.
HOLY GENITALS BATMAN. Look over number five again. "Tumor baby" I think they meant Tumblr.
I'm number 16: single by ugly.
AriFox my first post is linked to yours It's a subconscious act.
Well there is a theory that you can't truly enjoy something if you can't show it to people I can't remember who said that but I hope you get my point. Also I swear to god number thirteen is Ted gosh diddly freaking Mosby!


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{free printable} Fun Photo Booth Props
Inspire tons of fun and some great photo-ops with these Free Wedding Photo Booth Prop Printables! Featuring funny mustaches and lips, goofy sunglasses, Mrs and Mr signs and so much more, you and your guests are sure to have a blast. Read more
{free printable} Chalkboard Wedding Table Numbers
Add a romantic vintage vibe to your reception table with these free printable Chalkboard Wedding Table Numbers. Just download and print for free. Read more
{free printable} Kids Valentine Eco Monster Stickers and Wrapping Paper
Find the fun and feel the love this Valentine's Day with these adorable Eco Monster FREE printables. The printables consist of one full sheet of Eco Monsters stickers as well as three matching wrapping paper prints. Read more
{free printables} Wedding Budget Planner
Don't miss a single detail when planning your wedding! Download this very comprehensive Wedding Budget Planner that helps you track over 150 budget items. It's a FREE printable, available in both PDF and Excel file formats. The Excel file will add up your totals as you plan yo... Read more
{free printable} 2013 New Year's Resolution Chart
Create the life you want today! The amazing thing about a New Year is that it gives us a chance to start fresh and move forward. The perfect way to accomplish that is by setting some goals for yourself. Here is a free printable New Year's Resolution Chart to help you do just t... Read more
{free printable} New Year's Party Kit
Celebrate New Year's Eve in style with the free printable New Year's Party Kit. The kit includes a wine/champagne label, dessert topper flags and circles (which also double as cute labels when printed on sticker paper), a party cracker template and decorative wrapper. Read more
{free printable} Holiday Dinner Decor
We have a serious treat for you today! Here are FOUR FREE PRINTABLES. They will make hosting and entertaining the family this Christmas incredibly easy and fun. The four free printables include an editable Christmas menu, Christmas circle toppers, Christmas napkin rings and ad... Read more
The Best of the 12 Weeks of Christmas Freebies Recap!
Here are your top seven freebies from the 12 Weeks of Christmas. These seven have been the most pinned on Pinterest, liked on Facebook and visited on the blog! Now all in one place, get your free printables, lists, decor and recipes here and jump in to the holiday festivities ... Read more


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Cover your walls with something totally unexpected. Reinvent vintage items by turning them into artwork, storage or just a conversation piece to sit upon your fireplace mantel.
By Jacquelyn McGilvrayMore in Decorating
JAS Design-Build
The blackboards were rescued from an old school before it was torn down. The butcher block-style table was made from old floorboards salvaged from a bowling alley. Design by JAS Design-Build
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In this simple project, a pair of shallow wooden boxes is repurposed into vanity mirror frames.
Learn how repurpose salvaged wood into new wall shelves.
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Interview: Todd Lincoln - Director (V/H/S: Viral, The Apparition, Gorgeous Vortex)March 26th, 2015Interviewed by: Todd Martin
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Book Review: The Pendle Curse - Author Catherine CavendishReviewed by: Dave Gammon
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Book Review: Embracing the Darkness – Author Corvis Nocturnum
EMBRACING THE DARKNESS; UNDERSTANDING DARK SUBCULTURES Written by Corvis Nocturnum Art by Corvis Nocturnum Published by Dark Moon Press Publication Date: 2005 Format: B&W – 242 pages Price: $17.95 Publication Date: 2005 Format: B&W – 242 pages Price: $17.95 Making the assumption that this was a "how to be a Goth book" would be a mistake. Why I say this, is this book is much more than that. Author Corvis Nocturnum is no punk kid … Continue reading


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From URSULA's Dogster Photos[ View profile page | Plus Photobook ]
|"Me siting in my new fur"
omydawg, so luxurious! is it faux fur? ;) looks super comfy.
Wildebeest creates the perfect present for new dog parents.21
|"Me siting in my new fur"
November 26th 2012 at 9:35 pm
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OK, I am going to try and look at how this beer SHOULD end up, and hopefully that will bring us somewhat closer to finding what you want. Below, I will try to list as much sugar and fermentability info that I can and we should be able to add it up to what this beer comes out as...
6#millet 30 pts @ 75% fermentability 7.5 remain
3#red rice 15pts @ 80% fermentability 3 remain
1/2# whole quinoa 2.5pts @ 75% fermentability .625 remain
mash 145-150 for 1 hour
sparge 165
4#dememera sugar 176 PPG or 35.2pts @ 96% fermentability 1.4 remain
1# caramelized honey 35 PPG or 7pts @ uh...40% fermentability 4.2 remain
2# honey 70 PPG or 14pts @ 75% fermentability 3.5 remain
3# Amber Candi sugar 96 PPG, or 19.2pts @ 67% fermentability 6.4 remain
1#5oz rice malt syrup (the size the jar comes in) 47 PPG, or 9.4pts @ 75% fermentability 2.35 remain
1 banana Uh... 1pt @ 85% fermentability .15 remain
OK, so I come up with 133.3pts or 1.1333 for a SG.
FG should be... 29.1pts or 1.030.
If ANYONE AT ALL sees something wrong with my math, or one of my complete guesses, please let me know.
wow, thanks! how do you find all of that?
lets see, a normal large banana has approximately 15 g of carbohydrate, not sure how much of it is fermentable but that is so little I am not sure that it really matters. I usually get fairly poor conversions on the grain because they are not malted so low values would be right. I think ill add just a few oz more Candi to bump it back up to 1.140, just so I don't have to mess with my hop balance again, plus I like round numbers.
With an estimated OG that high, there are fermentation issues to deal with. Revvy does a good job of going over them in his Barleywine thread, but I will cover the basics.
1. Lots of Oxygen - Aerate the crap out of your fermenter to begin with and again 12hrs into the ferment.
2. Craploads of yeast - Since you are using all dry yeast, pitch more than one packet and make sure to rehydrate. Mr Malty has a good calculator.
3. Staggered sugar additions - Wait to add those sugars until fermentation is rolling, I like doing them 3, 5, 7 days into fermentation, with 1/3 of each sugar added each of those days.
And...that's all I can think of for now.
I believe bananas affect mouthfeel because they are high in glycerin and most of the aroma will be "cooked" of by an active fermentation in the primary. They are an old trick for adding body to fruit wines without having a large impact on flavor. I'd have to do some research to find the recommended amounts though, which would probably be different for a beer anyways.
I am going to use a yeast cake of Nottinghams that will be from a blackberry ale, and a small starter of T-58 and in secondary a starter of CL23 wine yeast no underpitching for me.
yes I am going to mash with amylase. not sure if that was clear earlier, sorry.


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WinCo Foods LLC will open two new stores on Thursday, Nov. 6. One store will open in Lewiston, Idaho and one will open in North Richland Hills, Texas.
WinCo Foods LLC will open its third discount supermarket in Texas on June 26.
WinCo Foods LLC has announced that it will begin shipping from its new distribution center in Phoenix.
WinCo Foods LLC will begin shipping from its newest distribution center in Phoenix, on May 14.
WinCo Foods LLC will open its newest discount supermarket on March 27.
WinCo Foods, LLC will open its first discount supermarkets in the state of Texas on Feb. 6, in the cities of Fort Worth and McKinney.
WinCo Foods will open a store in Glibert, Ariz., on Dec. 5.
WinCo Foods has announced that it opened two new discount supermarkets on Nov. 7.
WinCo Foods has agreed to develop an 85,000-sq.-ft. modern grocery store at Old Orchard Village East in Lewisville, Texas.
WinCo Foods will open a 90,000-sq.-ft. discount supermarket in Bellingham, Wash.
Mobile retail and navigation service aisle411 announced that WinCo Foods has deployed the aisle411 platform in its 79 stores.
Jacksonville, Fla.-based Regency Centers said it has signed a lease and begun construction on a new Toys "R" Us/Babies "R" Us store at Indio Towne Center in Indio, Calif.
Jacksonville, Fla.-based Regency Centers said it has leased restaurant space at Indio Towne Center to...
WinCo Foods announced it opened three new discount supermarkets on Monday, two in the Salt...


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Movie Reviews
Want to know what movie you should see this weekend? Fancy something romantic? A side-splitting comedy? How about an action flick that'll keep you on the edge of your seat? Check out movie stills, view official trailers and read our reviews of the latest films opening this weekend in a theatre near you.
Flu season is upon us! Get proactive about your health with these all-natural immune system boosters from around the world.
Handcrafted using only the finest cocoa, GAYOT's Top 10 Chocolate Bars are a far cry from your typical checkout lane candy fix.


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Book online or call +44 (0)1775 843417 at standard rates.
This extremely comfortably furnished The Peacock Townhouse hotel in the historic town of Kenilworth is set in the heart of the Warwickshire countryside, yet within 15 minutes of NEC, Royal Showground, Warwick University, and
The Peacock Townhouse hotel is an ideal location for Christmas and New Year's parties and Mother's day and Father's day celebrations. This baby friendly hotel is also one of the most preferred accommodation for Wedding reception, anniversary party or any similar function. The Peacock Townhouse hotel has state of the art corporate facilities for meetings and corporate parties for up to 90 delegates.TravellingFrom M40 South, Banbury, Oxford and LondonOn M40 come off at Junction 15At the large roundabout take 4th exit on the A46 Northbound towards Coventry and WarwickOn A46 take 3rd exit, signposted A452 to Leamington and KenilworthTake 1st exit to Kenilworth on A452 Entering Kenilworth you will come to a roundabout with a Jet petrol garage situated on it. Take the 2nd exit signposted Balsall Common and Town Centre on A452 On main road in Kenilworth, called Warwick Road, the Hotel is located on the right - hand side. A shell petrol station is on the right hand side just before the Hotel. Our car park is located at the rear of the hotelFrom the M6 North M6 to Junction 4At the roundabout take the A452 to Balsall Common and Kenilworth. Kenilworth is appox. 20 miles on the A452You will pass through Balsall Common, before entering into KenilworthOnce entered into Kenilworth, stay on the main road, passing the castle on the right hand side, the road meanders around the Castle grounds and passed Abbey fields.Approaching a roundabout, there is a Clock Tower visible to the right.Take the 2nd exit, leading down Warwick Road, the main road in KenilworthThe hotel is situated on the left hand side about ¾ of the way down the road.Wining and DiningAt The Peacock Townhouse hotel our guests are spoiled with dining choices. The acclaimed Coconut Lagoon is known widely for its Southern Indian cuisine. The Malabar Room is open all day and every evening serving bistro style food. In addition up the street from The Peacock Townhouse hotel is our sister – Raffles Restaurant serving Malaysian specialties . We look forward to having you join us.
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Property is in demand due to reduced inventory, as there are more potential buyers than sellers. Bidding wars with other buyers are possible, and listings begin to sell at greater than the asking price.
Rental property is in high demand and availability is low. Rent prices have increased by 27% over the past 3 months. This is 88% lower than the state average of $2,147 and 105% lower than the country average of $2,347.
Trend data coming soon.
|For Sale: 135
|New: 12
|Recently Sold: 164
|Reduced: 46
|Average Home Price
|Average Sold Price
|Property Records: 4,881
|Foreclosed: 8
The average home price in 86327 is $150,398, which is 3.2% lower than the average sold price in 86327 ($155,354) . The average home price per square foot in 86327 is $71 and about 3% of all homes in 86327 sold in the last 6 months. For 86327 home values, real estate prices, and city market trends, research the 4,881 property records or search our 164 recently sold or 135 homes for sale listings. The listings and properties in 86327 are only a part of the 2,112,399 properties and 46,380 homes for sale in Arizona. Because of this, the average home price and average home value of 86327 also influence the average home price $214,004 and average sale price $241,169 of Arizona. Listing counts, 86327 home prices and home values in 86327 are sourced daily from listing and property data on realtor.com®, which is the most up-to-date and accurate aggregation of real estate listings in the industry and includes approximately 800 regional MLSs and is the official website of the National Association of Realtors®.
|Median Age
|Median Household Income


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Chocolate-Mint Cups
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Broken Window Glass Mold
Key Lime Pie (Weight Watchers) 3 pts per slice
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