text:
The Convenience of Using a Debit Card
I'll be the first to admit that I'm a diehard credit card user. This will come as no surprise to regular readers, as credit cards are one of my favorite topics. Over the past few months, however, I've learned to love using a debit card, as well.
For personal purchases, I'm still sticking with my reward credit card. But when it comes to business-related purchases, I've found myself drawn to using a debit card despite having a dedicated business credit card. The main reason that I like using the debit card for this sort of stuff is that I don't actually have that many business expenditures. Thus, it's hardly worth the trouble of dealing with an extra bill at the end of the month.
While I'm nowhere near being ready to give up on credit cards, I can definitely see the attraction of debit cards in certain circumstances.
Filed under: Banking, Credit Cards
About the author: Nickel is the founder and editor-in-chief of this site. He's a thirty-something family man who has been writing about personal finance since 2005, and guess what? He's on Twitter!
Related articles...
» Ditching Your Debit Card» The Downside of Debit Cards
» A Real-Life Example of Debit Card Fraud
» Five Reasons That Credit Cards Rock and Debit Cards Suck
» Yet Another Reason Credit Cards are Better Than Debit Cards
» Get 5% Off at Target With the REDcard
» Buying Gas With a Debit Card
» The Dark Side of Debit Cards
Was this article useful? Please sign up to receive our content via e-mail:
13 Responses to "The Convenience of Using a Debit Card"
1Toby Says:
May 7th, 2007 at 8:28 amThat is until your card information is compromised (lost/stolen wallet, skimmed at a restaurant, etc.). Cleaning up fraud on your debit card can be a little more painful than cleaning up fraud on a credit card. Afterall, when fraudulent purchases are made on your debit card it is your money that leaves your account. When a credit card is compromised, it is the CC company's money. While the fraud protection rules for debit are getting better, I would rather not take the hit to my cashflow while the bank tries to figure out what to do. The fact is, I don't even carry the debit/ATM card for my main checking account in my pocket. I have a second checking account that contains a few hundred in walking-around money. My mortgage and bills get paid from a completely different account. That ATM card is locked in a safe.
Yes, I'm *that* paranoid.
2Chris Jones Says:
May 7th, 2007 at 8:29 amI use a debit card for virtually all purposes and I never carry cash around with me anywhere. It is a lot easier for me to have Microsoft Money download transactions from the web rather than me manually entering in all receipts!
3Chris Jones Says:
May 7th, 2007 at 8:33 amToby – I don't know what bank you have, but I can call the bank as soon as I realize my card is stolen and they will block it immediately. No waiting for the bank to decide what to do, just block the old card and walk into a banking center and have a temporary card issued.
4Toby Says:
May 7th, 2007 at 10:21 am@ Chris Jones: That's not what I meant. I was talking about when you notice fraudulent charges not when you notice your card goes missing. If your card is compromised without your knowledge, you may not notice the transactions until the next time you check your balance. On top of that, once the money leaves your account, the bank does not just give it back immediately; they usually insist on investigating first. Like I said, the protection levels and bank responses are changing rapidly because banks want you to use your debit card, but it is still your money on the line and not the bank's.
I didn't include this anecdote above, but to illustrate my point, here goes:
Last year, a friend of mine was using her debit cards exclusively for all purchases. At some point her card and PIN were compromised. On the last day of the month her paycheck was direct-deposited. Two days later, many ATM withdrawals occurred from her account to ATMs in some Eastern European country she'd never visited. Her entire paycheck was siphoned off in two days. In the meantime, her mortgage check was "in the mail" and would be cashed at any moment by her mortgage company. She had to scramble to get her bank to honor her mortgage payment check and had to document the fraud with a police report and other documentation. Everything worked out but it was a scary couple of weeks for her.
Now, she'd have the same hassle of documenting her transactions with a credit card, but at least her cash-flow would not have been disrupted. You can see how losing a paycheck would have a ripple effect on many people's finances (not just the paycheck-to-paycheck crowd).
5Blaine Moore Says:
May 7th, 2007 at 10:53 amI agree with Toby; it isn't worth the risk at this point.
My business expenses may be low and infrequent, but having one more bill at the end of the month doesn't bother. I pay my bills online, so the transaction fees are carried by the card, not by my postage.
That being said, I'm too anal to allow my money file to download my transactions. I record them all by hand, and I hand reconcile them when the statement arrives. If anything is off by even a penny or two, I investigate to see who is at fault (almost always myself, but not always).
6seth Says:
May 7th, 2007 at 11:18 amA little word of advice. Here's an experiment to do. Spend all your personal purchases in cash one month, and then to the same on a credit card. Compare the two. CC companies have learned that you'll spend 4-10% more on a CC because it doesn't register that you've spent money. The wallet is no less thick, and they're just numbers on a piece of paper. I would only recommend the credit card deal for people who are completely out of debt (except possibly for a house.) Full disclosure: I use a Fidelity Investment Rewards card that I love. Everytime I spend 5k they deposit $75 in my Fidelity brokerage account. It's not a lot, but at 1.5% reward it's higher than most reward programs, plus the power of compounding adds significantly to my retirement plans. Only thing that sucks is that Fidelity charges an arm and a leg for trades, $19.95 per trade, which I believe is the highest in the business.
7Andy Says:
May 7th, 2007 at 1:56 pmI never got the "people spend more on credit cards". I always spend way more with cash because there is no record of the purchase. With credit cards when I look at the statement I have to remind myself of all the useless crap I bought .
8Andy Says:
May 7th, 2007 at 1:56 pmAlso, Fidelity only charges $10.95 if you have $50k or more.
9Wayne Says:
May 7th, 2007 at 3:06 pmWe use debit cards almost exclusively. Gas, groceries,clothes, etc all go on the debit card. I pay most my bills online, and do that as soon as get them and schedule them o pay asap. I use cash when we eat out. I check our checking account balance at least 3 times during the week. I have found if I keep up with the transactions, don't schedule payments for future payments, it is so much easier to reconcile the account. Just takes a few minute. The occasional check which takes time to post is infrequent, which helps in reconciliation. No more buying things and waiting for a credit card bill to pay for us. If I can't pay for it at the time of purchase, I don't buy it.
10Mama Money Says:
May 7th, 2007 at 5:06 pmWe use credit cards exclusively, but I'm thinking of going all-cash for a month to see if our spending habits change.
11Jason Says:
May 9th, 2007 at 11:20 amI agree that it's better to use credit cards for everything. I ran a tab at a bar/restaurant (where they require you give them your credit/debit card). They mistakenly ran someone elses bill on my card, but then realized it after it went through. They voided it out immediately. The problem was I used my debit card, and the funds were immediately taken out of my account. I called the bank (Band of America) when I saw it and they told me it would take up to 2 weeks to get the adjustment. In fact the customer service rep joked with me that it takes 2 minutes to take the money out but 2 weeks to get it back. It ended up taking alittle more than a week. It was only about $100, but could have been much more. That was the last time I used my debit card for a purchase, almost 2 years ago.
12MikeVxq Says:
May 9th, 2007 at 11:38 pmWell, I use debit cards, but I have special accounts for them that are not used for anything else but small checks now and then for odd things. I do that just to keep the computer from deciding checks never happen.
Number one on my stupid financial moves list is having a debit card on your household account. There is no excuse for this. I will upset people with this statement, but a debit card on an account used for any other substantial purpose is an act of stupidity. You WILL be bitten by either fraud or fast food errors (the $8000 lunch anyone?) and while the bank may help you clean up the direct mess, they will be of little use for the hundreds to thousands you may be out due to payment failures leading to things like raised rates.
If you feel the need for a debit card, open an account just for that, and stuff the money you plan to spend in it a few days ahead. Then when something happens such as fraud or fumble-finger errors, the damage is contained in that account.
Debit cards are very useful, but they have no place on a general-purpose bank account.
13L Says:
August 20th, 2008 at 5:06 pmCheck with your credit union or bank (FI) to see what fraud policies they have in place for such instances of lost/stolen cards or fraudulent activity on accounts. If you're a member of a great FI, they have fraud monitoring software for all the above instances and may even contact you before you realize there's been fraud on the account. If your FI doesn't do this, think about finding a new one. Equally important, if you do encounter a frauduent situation, being a member of a CU or local bank is frequently more beneficial as you will be recognized by name/face and they will know your account history – so you'll have a much better chance of quick, personal service than sitting on a 1-800 that connects you to the operator in India. As to the above comment, because of the relationship you have developed and monitoring software, when someone does screw up and enter an extraordinary amount for your bill, you can expect to receive a phone call from your FI. Also most FIs have daily spending limits on their debit/check cards (unless you request to remove it), so a sum of $8000 would set off all kinds of red flags. Just some words of reassurance to those debit/check card users from the CU world.
Leave a Reply
- How to Become a Millionaire
- How to Get Out of Debt
- The Best Dollars I've Ever Spent
- How Our Estate Plan is Structured
- How We Paid Our Mortgage In Less than 10 Years
- Money Making Ideas
- How to Manage Your Asset Allocation with Multiple Accounts
- Consumption Smoothing - Save While the Saving's Good
- How to Save on Groceries
- How Much Life Insurance Do You Need?
- Eleven Great Books About Money
- Dave Ramsey is Bad at Math
- Dish Network Customer Service SUCKS
- $8,000 Homebuyer Tax Credit
- Pay Off Mortgage Early or Invest?
- How to Claim the First-Time Homebuyer Tax Credit
- Termite Control: Sentricon vs. Termidor
- How Much Should You Pay a Babysitter?
- Ethanol Blended Gas = Lower Mileage?
- Reduced Credit Limits? Share Your Experience
- $15,000 Homebuyer Tax Credit
- Buying Furniture off the Back of a Truck
- Will Mac OS X Lion Kill Quicken 2007?
How to save money on insurance
- How to play retirement catch-up
- How long will oil prices stay low -- and what should you do?
- Twice the opportunity for holiday spending guilt
- How do you find happiness with money?
- The sunny side of pessimism
- "Thinking Money" a rich change of pace from TV's wasteland
- Retirement planning for women: Strategies for a secure retirement
- Why lower gas prices are fleeting
- In praise of not planning
- Zeroing in on target-date funds


text:
Frequently Asked Questions
Is there a licensing law for verifiers?The only state that requires that verifiers be licensed is the State of Louisiana. Qualified persons must pocess a valid license from the State Plumbing Board. Other states are reviewing the outcome of the La. statute and are considering their own legislation. In Louisiana, contact the State Plumbing Board @ 504-826-2382 for more information. There are laws on the books for Medical Gas Installers, however in 18 states. Contact your local or state plumbing board for more information. Back to TopWhere can I find cleaned for oxygen service copper fittings?We have several manufacturers that provide cleaned fittings, either bulk bagged or individually bagged. Give us a call. Back to TopHow do I join this website?Contact the webmaster and tell him you're interested. Back to TopDo you provide NFPA-99 Training on my site?Yes, there is a minimum of 8 -10 installers per class. There are also other facilities we will need, shop for brazing, classroom, etc. Give us a call to discuss your situation. Back to TopCan I order equipment on-line?Yes. Go to our on-line store and order there. www.shop.themedicalgas.com Back to TopIs this your only catalog?No, we have full cover brochures, specification binders and samples that can be sent out whenever requested. Drop you a line and ask for what you need. Back to TopRevised: June 28, 2009 . |

subset: commoncrawl


text:
Small Clothes, Big Designers
In case you hadn't noticed, Fashion Week is dominated by Amazons. You're not likely to spot anyone on the catwalk under five-foot-ten. But where's the love for the littler lot, the ones not in the 99th percentile?
For everyone on the shorter side, Friday's Petite Fashion Week Networking Event fills that fashion void. It's a party for all things petite. If you're a petite designer or retailer, petite blogger or petite fashionista, it oughta be just your size.
There'll be a petite clothing swap, a retailers' showcase and networking time, a raffle, and — the best part of any fashion event — goodie bags. Swag, swag, and more swag in the way of gift certificates and coupons! You can also buy food and cocktails onsite, because it's going down at News Lounge (5580 NE Fourth Ct., Miami), so get your pintsize butt to the party.
The event runs from 7 to 10 p.m., and admission is free. Call 305-758-9932 or visit pfwnemiami.eventbrite.co.uk to RSVP.
Fri., March 14, 7 p.m., 2014
Related Location
Sponsor Content


text:
Coach Hire LondonLondon Bus Hire & Minibus Hire With Drivers |
Home Page |
Coach Hire London |
Minibus Hire London |
London Airport Transfer | Terms |
Contact Us |
How To Book |
It is always a Sincere Pleasure assisting incoming Holiday Visitors and
Executives to
get to their Chosen Destination with Punctual, Safe and Comfortable Vehicles and to ensure the start of a Great London Trip. We have been supplying Transport Services
in the UK for over 21 years now. |
Please Click A Picture For Prices |
Coach Hire Prices |
Minibus Hire London |
London Airport Transfer |


text:
American Hustle
Jennifer Lawrence Talks Romance with Nicholas Hoult, Dealing with Backlash and Being a GIF
Originally posted 05/08/2014 09:00AM
Though they film the X-Men movies together, Jennifer Lawrence and Nicholas Hoult are a long-distance couple – and that's just fine by the Oscar winner.
Hoops Fan Jennifer Lawrence Goes 'Mad' for Louisville Basketball
Originally posted 03/21/2014 03:00PM
She may be the face of Dior, but Jennifer Lawrence is also a true-blue homegirl when it comes to March Madness.
12 Years a Slave Wins Best Picture Oscar
Originally posted 03/03/2014 12:30AM
And the final award of the night went to 12 Years a Slave.
If Facebook Ruled the Oscars, Captain Phillips Would Win
Originally posted 03/02/2014 07:30PM
When it comes to 2014's Best Picture nominees, each region has its own taste: New Jersey prefers Wolf of Wall Street, Dallas loves its Buyers Club and the Midwest can't get enough Captain Phillips.
That's the lesson from Facebook's map of trending Best Picture films. The social network's analytics team measured Facebook mentions of all nine Best Picture nominees during the week before the Oscars and found that five films stood out: 12 Years a Slave, Captain Phillips, Dallas Buyers Club, The Wolf of Wall Street and American Hustle.
6 Films in 90 Seconds: Watch Fans Recreate Oscar Nominees' Key Moments
Originally posted 03/01/2014 01:55PM
Christian Bale's Belly for the Win: When the Oscars Meet the MTV Movie Awards
Originally posted 03/01/2014 09:35AM
If the Oscars are the grand finale of the awards season, then the MTV Movie Awards are the wild after-party.
Oscars Infographic: If the Best Picture Race Was a Great American Road Trip
Originally posted 02/28/2014 03:00PM
The road to Oscar glory can be a long one, but it can also be a trip – maybe even a road trip.
This year's pack of Best Picture nominees span multiple iconic locations across the United States, from the East Coast thrills of The Wolf of Wall Street and American Hustle to the West Coast melancholy of Her and beyond (Gravity). Follow along on the map above, as we trace the nominees' onscreen locations and origins, and don't be surprised if you find yourself experiencing some wanderlust.
Can American Hustle Sweep the Oscars?
Originally posted 02/28/2014 08:50AM
Just as horse racing has its Triple Crown, red-carpet season has its own impressive awards haul that only the boldest of films aspire to win: the "Big Five" at the Oscars.
Taking home a trophy in the Best Actor, Best Actress, Best Picture, Best Director and Best Screenplay categories is considered a "sweep" at the Academy Awards, and this year's contest has American Hustle vying for the honor.
In the 86-year history of the awards, 42 films have been nominated across the big five categories, with only three ever pulling off the sweep: 1934's It Happened One Night, 1975's One Flew Over the Cuckoo's Nest and 1991's The Silence of the Lambs.
Up until this point, American Hustle has been nearly universally acclaimed, but its chances of leaving Hollywood's Dolby Theater as the winningest film of the night are still up for debate. Below, we break down the odds by category.
Elisabeth Röhm Blogs: I'm a Mom on the Run
Originally posted 02/14/2014 09:30AM
"We as a family are discovering what it's like for Mom to be working more," the American Hustle star writes
Amy Adams: Emma Thompson Made Me Cry
Originally posted 02/04/2014 11:00AM
The American Hustle star opens up about her favorite performance of the year, the souvenir she stole from set and the one role she never could have played
Top 5 Most Voted Stories
Ian Somerhalder and Nikki Reed Are Married!
Paralyzed Bride Rachelle Friedman Chapman Welcomes a Baby Girl by Surrogate
Ice Dancers Charlie White and Tanith Belbin Say 'I Do'
Sawyer Sweeten's Family Speaks Out Following His Suicide: 'He Will Live On in Shared Moments Forever'
Sophia Bush Speaks of Heartbreak as Ex-Boyfriend Is First American Confirmed Dead in Nepal Earthquake
Top 10 News Categories
The most buzzed about stars this minute!
Treat Yourself! 4 Preview Issues
More On PEOPLE.com
Got a News Tip?
Send it to our People.com editors!
News Archive


text:
Flash and SubstanceOver the Internet, it's a moving picture that's worth a thousand words. With millions of other websites vying for your visitors' attention, you have only a few seconds to snare their interests.
Home | Services | Portfolio | Resources | Contact | Site Map | |
http://www.CPw3.com Terms of Use Privacy Policy |
Copyright ©1997-2012 Wanda Hartung All Rights Reserved |


text:
The Dallas Stars got back Tyler Seguin from a concussion in time for Thursday's game against the Toronto Maple Leafs, but they lost defenseman Trevor Daley early in the second period.
Daley, 30, collided into Toronto's James van Riemsdyk and appeared to hurt his ankle or leg, based on reports from the Globe and Mail's James Mìrtle and the Stars' Mark Stepneski. He wasn't putting weight on his leg as he was helped off the ice.
Dallas has confirmed that he won't return before the conclusion of tonight's match. They are officially listing it as a lower-body injury.
The Toronto-native had five points and 24 penalty minutes in 26 games before tonight's contest. Since being drafted by Dallas in 2002, he has played in 648 contests with the squad.
- harrbenj - Dec 6, 2013 at 7:29 AM
Any updates?
- darksidecowboy - Dec 6, 2013 at 1:45 PM
Daley has a high ankle sprain. Will be out about 4 weeks. Losing Robidas and now Daley, two of the Stars vet dmen will hurt. I hear trades are coming to shore up the D or just play the young guys.


text:
Top Apps
- Audio & Video
- Business & Enterprise
- Communications
- Development
- Home & Education
- Games
- Graphics
- Science & Engineering
- Security & Utilities
- System Administration
FreeOS/1 FreeOS/1 is a Free, Open Source, FreeDOS based Free and Open Source Alternative OS, with open source Microsoft Windows compatibility using HXDOSExtender KernelEx,and ReactOS source code. FreeOS/1 will include new technologies and will be easy to use
2 weekly downloads -
BLibrestez55 Robotics Software Project BLibrestez Robotics Software Library Project
1 weekly downloads -
Cellocity LInux Operating System Cellocity Linux is Based on Fedora Core 6 Source Code. With only basic core elements needed to operate Compatipal and a completley Graphic Interface as well as Text. Version 2.0 will include more applications 32,64 bit and 80 Core Intel CPU
0 weekly downloads -
KittyOS Linux Based Operating System KittyOS is a small operating system based on Linux. The OS is for USB pendrives and old computers. It uses XFce graphical enviroment.
0 weekly downloads -
KnightSleuth - (dead project) KnightSleuth is a tool for Calvin College students to obtain and search the contact information of other students and faculty/staff. It allows more powerful searches than the websearch, such as by floor, by phone number, by home city, etc.
0 weekly downloads -
OpenGenesis This project is derived from the the defunct OpenDarwin project, updated with current sources from Apple where possible, and intended primarily to facilitate easy development of the OS X port of D/ELTA.
0 weekly downloads -
Wii Linux Project A port of the Linux operating system kernel and assorted userspace to the Nintendo Wii.
0 weekly downloads -
سئو, بهینه سازی سایت 0 weekly downloads


text:
Note- Users should also check the General Downloads page for additional updates which apply to this product.
RenderWorks 12 Downloads:
Download Description | |
9/15/06 |
New HDRI Backgrounds |
Create realistically-rendered objects and exterior scenes by simply choosing a background and rendering. click to download the zip file (164k hqx file) |
RenderWorks 9 Downloads:
Download Description | |
8/30/01 |
RenderWorks 9.0.1a Updater |
Under some circumstances RenderWorks 9.0.0 and 9.0.1 will display the "Out of memory" alert when displaying multiple layers with the Show... Layer Options. This spurious message can prevent exporting and printing of rendered images. The RenderWorks 9.0.1a update will improve this functionality. To install this update, first download and unstuff the updater. Double click on "RenderWorks 9.0.1a Updater". It will automatically attempt to find your old copy of RenderWorks and will proceed to update it to the new version. If you have more than one copy installed you will be presented with a list so you may select a specific copy. click to download the Updater (128k hqx file) |
2/15/00 |
We have created an all new texture library, replacing the original library. This library includes several new textures, improved textures, and an all new naming convention, designed to make using textures easier and more efficient. |


text:
Copyright 2009-13 Quantum Meruit Consulting I Website Terms & Conditions I Privacy Policy
We are dispute avoidance and dispute resolution consultants on major construction, engineering and energy generation projects. We act to assist Project Owners to control and manage the full range of commercial issues related to their contractual obligations.
In any contractual relationship there is potential for dispute. In the construction industry that potential can be very high because of the pressure to deliver complex projects to time and budget. Our work at Quantum Meruit Consulting is focused on avoiding such disputes, bringing innovative and effective solutions designed to prevent the need for legal action and ensuring that Project Owners get the best out of their Contractors. Quantum Meruit Consulting offers a proven track record gained over 40 years in contract management and creative problem solving. Our highly qualified and experienced consultants have extensive experience working with a wide variety of different business cultures and management styles. You will find on these pages more information about us and the services we provide in commercial exposure review, commercial consultancy and contract claims analysis. We also offer a range of technical articles on a variety of issues of pertinence to the industry. If you would like further information, please do not hesitate to contact us. QUANTUM MERUIT CONSULTING
10 CROSS & PILLORY LANE ALTON HAMPSHIRE GU34 1HL UK TEL : +44 (0)1420 546000 email@example.com |


text:
Olivella, P; Vera-Hernandez, M; (2012) Testing for Asymmetric Information in Private Health Insurance. The Economic Journal 10.1111/j.1468-0297.2012.02520.x. (In press).
PDF - Requires a PDF viewer such as GSview, Xpdf or Adobe Acrobat Reader 546Kb |
We test for asymmetric information in the UK private health insurance (PHI) market. In contrast to earlier research that considers either a purely private system or one where private insurance is complementary to public insurance, PHI is substitutive of the public system in the UK. Using a theoretical model of competition among insurers incorporating this characteristic, we link the type of selection (adverse or propitious) with the existence of risk-related information asymmetries. Using the British Household Panel Survey, we find evidence that adverse selection is present in the PHI market, which leads us to conclude that such information asymmetries exist.
Type: | Article |
Title: | Testing for Asymmetric Information in Private Health Insurance |
Location: | UK |
Open access status: | An open access version is available from UCL Discovery |
DOI: | 10.1111/j.1468-0297.2012.02520.x |
Publisher version: | http://dx.doi.org/10.1111/j.1468-0297.2012.02520.x |
Language: | English |
Keywords: | Substitutive Public Insurance, National Health Service, Adverse Selection |
UCL classification: | UCL > School of Arts and Social Sciences > Faculty of Social and Historical Sciences > Economics |
View download statistics for this item
Archive Staff Only: edit this record


text:
Reference Library
All links below are external links and you will be leaving the web site of the United States Bankruptcy Court for the District of Maryland. The links have been provided for the user's convenience. The United States Bankruptcy Court for the District of Maryland does not control or guarantee the accuracy, relevance, timeliness, or completeness of this external information.
Bankruptcy CodeBankruptcy Code (Title 11, USC) Title 28, USC § 1334 - Jurisdiction over bankruptcy cases and proceedings § 1408 - Venue of bankruptcy cases § 1409 - Venue of proceedings arising under the Bankruptcy Code or arising in or related to bankruptcy cases |
Maryland Related InformationUnited States District Court, District of MD Bankruptcy Bar Association for Maryland Maryland State Bar Association - Consumer Bankruptcy Section Maryland Law - Governs property rights Md. Comm. Law § 15-601.1 - Garnishment law Md. Cts. & Jud. Proc. Code Ann. § 11-504 - Bankruptcy exemptions |
Federal and Local RulesFederal Rules of Bankruptcy Procedure Federal Rules of Civil Procedure |
Other LinksNational Association of Bankruptcy Trustees |


text:
Word Recovery Services to repair your corrupt or damaged MS Word documents either you are a home user or an organization executive. Word Recovery services restore your corrupt Word documents data contents, retrieve images and embedded OLE files from Word documents, convert DOC and DOCX Word extension files to WordPad RTF or formatting free .... Free download of Word Recovery Services 1.0
Word documents can be converted to PDF using Word to PDF converter which has been specially designed ... its users by SoftLay Software. Using this software, Word documents in .doc formats can be effectively converted into PDF files in just few seconds. SoftLay Word to PDF Converter saves documents in (.PDF) format .... Free download of Word to PDF 2.1
Kernel for Word is best word document recovery software for corrupt and inaccessible MS Word files. This software scans the corrupt files, recovers ... users, students, authors and professionals to perform MS Word recovery easily. Software is available as free demo ... capabilities before purchasing Full version of Kernel for Word which can be installed and used with Windows .... Free download of Word Document Recovery 11.01.01
Word Extractor software is safe and secure tool to extract word file from PST file format. Using PCVITA word extractor software, you can effortlessly convert numerous items from Outlook PST files to Word files. Our word extractor software can save this RTF file as MS Word (.doc) file. Your PST to Word conversion task .... Free download of Word Extractor 2.2
Word Recovery Tool is the powerful application to repair word file that can easily resolve all your queries. Word Recovery Tool has most demanding utility to recovering and repair virus infected Doc file. Word File Recovery is the world's best recovery utility to recover virus infected Doc file. MS Word Recovery Tool has following features as: Quick Recovery, .... Free download of Word Recovery Tool 5.3.1
Sometimes Word Docx file found error message like "The file ... in a recognizable format", don't worried endeavor Advanced Word Docx File Repair Tool providing enormously solution for ... files, folders, formatting and macros files. In case Word Docx file got error message like "The Office Open XML file xxx.docx cannot be .... Free download of Word Docx File Repair Tool 3.6.2
Kernel for Word is award winning Word file repair and recovery software. The software uses quick data recovery algorithms for Word file recovery with full accuracy. Kernel for Word recovers text, images, bullets, tables, chart, OLE objects, ... hyperlinks, etc. in fraction of minutes. Kernel for Word has interactive user interface; therefore, a user with .... Free download of Word File Repair 11.01.01
... need to worry because we have a solution Word Document Recovery. Word Document Repair is a awarded software to repair .doc files and .docx files on windows PC. Word Document Repair software fix corrupted or damaged word files. Word Document Repair software repair document text along with its formatting, hyperlinks, tables, charts etc. Word Document Repair can repair 280 file types of .... Free download of Word Document Repair 220.127.116.11
While working with corrupted or damaged MS Word file, you come across a number of error ... but you don't get worried because Kernel for Word repair is now available for you. With the help of this amazing Word repair tool, you can repair and recover complete Word file data quickly and accurately. Whatever is the .... Free download of Word Repair Free Demo 11.01.01
Kernel for Word to PDF conversion software is advanced tool that enables the user to convert file from word to PDF with utmost ease and accuracy. It ... web-sharing requirements. The most beneficial feature of this Word to PDF Converter Tool is its ability to convert 0-50 word file(s) in a single Word to PDF conversion .... Free download of Word to PDF Converter Tool 11.02.01
... provide for users can repair and recover corrupted Word Docx file. When Word 2007 does not open file or Docx file ... error message like Quick office cannot open .docx word document attachments File, in this type condition you should need Word 2007 File Recovery Software gives best solution for users can repair and recover corrupted word file which is resolve all damaged MS word .... Free download of Word 2007 File Recovery 3.6.1
Are you searching for software to repair MS Word Document file in DOCX format? If your answer is yes then no need to worry, Word DOCX File Fixer is there for your help ... file and repairs it saves with in new Word file and using old version of MS office. Free download of Word DOCX File Fixer 184.108.40.206
MS Word document recovery is designed to deal with the word file corruptions. Documents which have been corrupted due ... malfunction etc are effectively repaired by the repair Word document software. Errors like The document name or ... not valid are successfully resolved and the selected Word file is repaired efficiently. Repair Word document software .... Free download of Word Document Repair 11.01.01
Are you unable to open your corrupted word DOC files?? Don't worry we have solution for you. Word File Recovery software is the best and advanced software to fix corrupted word files on Windows computers. Word File Recovery software can repair and recover text, ... fields including hyperlinks from corrupt DOC, DOCX files. Word File Recovery software can fix word DOC, DOCX .... Free download of Word File Recovery 126.96.36.199
... ever face the problem of merging so many word docs files into single one? Merger multiple word documents into a single documents using SoftLay Word Documents Merger. This tool has the advanced function which can merge multiple word files into a single file in just few ... ranges, alignments and HTML formatting of documents. SoftLay Word Documents Merger is a powerful and result oriented .... Free download of Word Documents Merger 2.0
... across various error messages while trying to open Word files, you can assume that Word files are corrupted or damaged. They cannot be ... repairing them. But it is difficult to perform Word 2010 recovery using manual methods. So you should try some sophisticated tool like Kernel for Word to repair the Word documents and to recover .... Free download of Word 2010 Recovery 11.01.01
MS Word obviously is the most popular document and word processing software. But when it comes to sharing information, even Word users prefer to have PDF format considering the ... of management and security features. Most of the Word users usually like to convert important word documents to PDF before sharing them. A good .... Free download of Word 2 PDF Free 11.02.01
Kernel for Word can repair and recover all components from a Word file that is corrupted, damaged or deleted due ... recovery of text, tables, lists and images. This Word repair software is also suitable for large files ... repair them in the easiest manner. This MS Word recovery software fully supports files that are created .... Free download of Word File Repair 11.01.01
Kernel for Word Repair Tool performs a fast and accurate word file repair operation without any requirement of reformatting. It is word recovery software that follows a through scan of the selected Word documents to repair them. The key feature of this word recovery utility is that during the repairing operation .... Free download of Word Recovery 11.01.01
The word documents are quite prone to corruption and are ... hands of unauthorized persons. Therefore, to safeguard the word files from hackers as well as corruption threats, ... secured file format such as PDF. Kernel for Word to PDF allows you to smoothly convert sensitive Word files into Adobe PDF documents. Word to PDF .... Free download of Word to PDF Program 11.02.01
Kernel for Word Repair tool is programmed to repair corrupt or inaccessible MS Office Word documents. MS Word is certainly one of the most popular applications ... share textual, graphical or pictorial information. But MS Word files get corrupted at times due to various ... etc. which can make them inaccessible. Kernel for Word Repair software easily recovers corrupt MS Word files .... Free download of Word Repair Tool Free 11.01.01
Want to combine multiple word files in one document? So you can get the word file merger to merge multiple documents in one ... time. If you have a numerous file Ms Word 2003 or Word 2007 version files or any other version and ... software to completely combine or join your many word docx or doc in one file. Our software .... Free download of Word Files Merger 2.0
... Some of the scenarios are you may lost word documents such as, abruptly system shut down, accidentally ... using keys, documents deleted by file system corruption, word files deleted by partitions inaccessible, due to third party application word documents may lost, due to power failures etc. Word document recovery on Windows OS software also supports .... Free download of Word document recovery on Windows OS 126.96.36.199
Looking for any word document repair tool to fix your corrupted word documents? Then don't worry we have best software to repair damaged word files that is Word Document Repair Tool. This word repair utility easily repairs .doc and .docx files ... hard drives, USB drives, flash memory cards etc. Word Document Repair Tool is compatible with all the .... Free download of Word Document Repair Tool 126.96.36.199
Converts MS Word documents (DOC, DOCX, RTF) to LaTeX, XML, and ... are converted to either EPS or PNG format. Word-to-LaTeX supports all kinds of equations including MathType, Equation Editor, MS Word 2007-2010 built-in equations. The conversion to XML format ... DocBook) The converter integrates a menu into Microsoft Word where you can set up the conversion for .... Free download of Word to LaTeX Converter 2.30


text:
Look up venatio in Wiktionary, the free dictionary. |
Venatio (Latin: venatio, "hunting", plural venationes) was a form of entertainment in Roman amphitheaters involving the hunting and slaying of wild animals.
Exotic wild beasts from the far reaches of the Roman Empire were brought to Rome and hunts were held in the morning prior to the afternoon main event of gladiatorial duels. The hunts were held in the Roman Forum, the Saepta, and in the Circus Maximus, though none of these venues offered protection to the crowd from the wild animals on display. Special precautions were taken to prevent the animals from escaping these venues, such as the erection of barriers and the digging of ditches. Very few animals survived these hunts though they did sometimes defeat the "bestiarius", or hunter of wild beast. Thousands of wild animals would be slaughtered in one day. During the inauguration of the Colosseum over 9,000 animals were killed.[1]
Not all the animals were ferocious, though most were. Animals that appeared in the venatio included lions, elephants, bears, deer, wild goats, dogs, and rabbits. Reports of tigers being used during such games are false and are attributed to the eventual demonization of beast hunts.[2][better source needed] Some of these animals were trained, and instead of fighting, performed tricks.
Revered for its ferocity, the lion was extremely popular in venationes and gladiatorial shows. Thus the dictator Caesar used 400 lions (imported primarily from North Africa and Syria) in the Circus, where the inclusion of the foreign animal loaned his shows extra panache. Indeed, obtaining the animals from the far-flung corners of the empire was an ostentatious display of wealth and power by the emperor or other patron to the populace, and was also meant to demonstrate Roman power of the whole human and animal world and to show the plebs of Rome exotic animals they might never see otherwise.
This section may stray from the topic of the article. (May 2012) |
Following the venatio in the order of daily events were the execution of convicted Roman citizens of lower status, the humiliores. Usual forms of execution included burning at the stake, crucifixion, or ad bestias (when the prisoner is left alone in the ring with one or more wild animals). Ancient writers suggest that during these executions, most respectable men and women went for lunch instead of staying to watch.
Roman emperors often sentenced serious criminals — who then became known as bestiarii — to fatal encounters with the beasts in the Colosseum — an ancient "death sentence".[3] The criminal met his fate in the context of an elaborate play; instead of a happy ending, though, the main character of the production — the convict — was mauled by a bear, whom he fought without weapons or armor. These were the lowest social class of participants in the games.[4] Such gory dramas were common at the program Emperor Titus arranged to dedicate the Colosseum in AD 80. That lavish show lasted 100 days.
See also[edit]
- ^ pg 105 of The Gladiator, by Alan Baker, Ebury Press ISBN 0-09-188654-6
- ^ Wainwright, Martin (2010-06-07). "Scars from lion bite suggest headless Romans found in York were gladiators". The Guardian (London).
- ^ The Bestiarius and the Ludus Matutinus
- ^ "Ad Bestias". Retrieved 2009-03-26.


text:
Peanut Butter Texas Sheet Cake
I've had the original chocolate version, so this was new to me. It's really good. This recipe is from Gooseberry Patch's Church Suppers
Peanut Butter Texas Sheet Cake
2 c. all-purpose flour
2 c. sugar
1/2 tsp. salt
1 tsp. baking soda
1 c. butter
1 c. water
1/4 c. creamy peanut butter
2 eggs, beaten
1 tsp. vanilla extract
1/2 c. buttermilk
Sift together flour, sugar, salt, and baking soda in a large bowl; set aside. Combine butter, water and peanut butter in a saucepan over medium heat; bring to a boil. Add to flour mixture and mix well; set aside. Combine eggs, vanilla and buttermilk; add to peanut butter mixture. Spread into a greased 15"x10" jelly-roll pan. Bake at 350 degrees for 15 to 20 minutes, until it springs back when gently touched. Spread Peanut Butter Icing over warm cake. Makes 15 to 20 servings.
Peanut Butter Icing:
1/2 c. butter
1/4 c. creamy peanut butter
1/3 c. plus 1 tbsp. milk
16-oz. pkg. powdered sugar
1 tsp. vanilla extract
Combine butter, peanut butter and milk in a saucepan over medium heat; bring to a boil. Remove from heat; stir in powdered sugar and vanilla to a spreading consistency.
Thanks, I opened this post and gained 10 lbs!!
This looks TO DIE FOR!!
I took it to one of our potlucks, and it dissappeared quickly, with lots of compliments.
Quoting 4kidz916:
It sounds like something that would be a big hit at our church dinners.


text:
One of the views at the Westcoast Wilderness Lodge our wedding venue! Here for the night.
2 thoughts on "Million Dollar View"
It's absolutely gorgeous! I can almost hear the eagles and smell the trees and ocean :)
Went out on the zodiac last night. Amazing inlet and islands. We were hoping to see whales but not so lucky this time.