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Managing your money Debt self help pack Written by the money advisers from Blackburn with Darwen Council's advice service 1 Are you having problems managing your money and making ends meet? Are you getting letters from people you owe money to and can't afford what they are asking you to pay? What can you do? Don't feel guilty - over 2 million people have the same problem. Don't borrow more money to pay off the debts you have. Don't ignore the problem - it won't go away. Don't agree to sign your home as security. You could lose your home. Don't offer to pay more than you can afford Don't let creditors put pressure on you or harass you. They can be prosecuted for this. Don't panic - there are things you can do Blackburn with Darwen Council's advice service can help with problems you have with debt, housing or benefits. Contact us at the one stop shops at: Blackburn Town Hall, King William Street, Blackburn, BB1 7DY Darwen, Town Hall, Croft Street, Darwen, BB3 1BQ Or phone (01254) 583350, or email: firstname.lastname@example.com You have already taken the first step by reading this. 2 Guidance notes In this pack you may come across some words which you may not understand or be familiar with. We have listed some below to help you with the most common ones. Creditor The person you owe money to Expenditure The amount you spend on household bills and housekeeping Income The amount of wages and/or benefit you get each week or month Secured loan A loan that is secured on your property, e.g. a second mortgage. You could lose your home if payments are not maintained. Hire purchase A loan which is secured on the goods you have bought. You could lose the goods if payments are not maintained. Priority The people who should be paid first Non-priority The people paid with whatever amount of money is left To help you decide who are priority and non-priority creditors we have listed below the most common creditors who are priority creditors and why. Priority creditor what can happen Mortgage/secured loan company repossession or eviction Landlord for rent repossession or eviction Council Tax bailiff action/imprisonment Fuel companies for gas and electricity disconnection Magistrates court fines warrant for arrest/imprisonment Child maintenance imprisonment Income tax and VAT bailiff action/imprisonment Hire purchase repossession of goods Telephone disconnection Rental of goods repossession Fixed penalties bailiff action/further costs When deciding whether a creditor is priority, you may need to look at the credit agreement that was given to you when you bought goods or were given the loan. Many people think they have hire purchase when they have been given a personal loan. 3 Look at your loan agreement. At the top of the agreement it will state whether it is a hire purchase or a conditional sale agreement, under the Consumer Credit Act. If it does not have this written in your agreement it is most likely that you have been given a personal loan and can treat this as a non-priority creditor. If you are still not sure always ask for further advice. It is very important that payments are continued if you are undecided. You will need to continue with normal payments to all your priority creditors before making payment to other people. Non priority debts are usually unsecured and are: bank/building society loans, credit cards, store cards, loans from doorstep lenders, catalogues, and bank/building society overdrafts. Overdrawn bank and building society accounts. Most wages are paid direct into a bank or building society account, and direct debits are set up to make monthly payments to creditors. If your bank or building society account has gone overdrawn and is over the agreed overdraft limit, additional charges can be added to the account that will make your situation worse. The bank or building society may put a stop on your account and ask you to return cheque books and any cards you have. Direct debits may also go unpaid and you will be charged for this. To prevent the situation getting worse you should contact the bank or building society and ask them to cancel the direct debits for non-priority bills and then arrange an alternative payment method to the creditor. If you have other credit e.g. loans, credit cards with the same bank or building society you may have to consider changing your bank or building society and having the wages paid into a new account. If you are not sure what to do, always ask for further advice. Mortgage/secured loans. When you fall into arrears with your payments, the lender will write to you and ask you to pay the arrears in full or contact them to make an arrangement. If you do not contact them or you are unable to make an arrangement they will, at some stage, pass your account to their solicitors who will then apply to the county court for an order for possession. You will then receive a date and time to attend court. If you do not attend the hearing the judge will make an order for possession and you could lose your home. The judge can suspend a possession order on condition that you make your normal monthly payment plus an amount which the court considers reasonable, to pay off the arrears over a period of time. 4 The amount which you will be ordered to pay off the arrears will depend on the amount you can afford, providing the amount you can afford will pay off the arrears before your mortgage expires. Some county courts offer duty advocacy service in partnership with advice services whereby an adviser will be able to assist you on the day of the hearing. You should contact your county court to enquire whether this service is running. Hire purchase You do not own the goods until you have paid the full amount you borrowed, plus any interest charged. If you have paid less than one third of the total amount of credit the lender can take the goods back without your permission and without a court order. If you have paid more than one third of the total amount, the lender may ask you to return the goods but they can not take them back without your permission or unless they have been given a possession order by the court. When the lender has possession of the goods they will sell them. If they sell the goods for less than you still owe, including costs and charges, you are responsible for paying the remainder. If you have paid half of the balance due under the agreement you may be able to return the goods without anything more to pay. Joint loan accounts. Joint loan accounts are when two people sign the credit agreement. Both people are responsible for paying the full amount. If a loan is in joint names (between two people) and they separate, the loan is not divided equally between both people. The lender can take both people to court to recover the balance owed. 5 Step one – contacting creditors Before contacting creditors, separate your creditors into priority and non-priority order. Use the list of creditors above to help you decide who they are. You will not need to write to your priority creditors if you can continue with normal payments and do not have arrears. If you have arrears you will need to write to them for further information. If you are unsure who is a priority creditor ask for further advice. You can use the letters in this pack help you. If your wages are paid direct to a bank or building society and you have decided to open a new account with another bank or building society to have wages paid to a new account, check with your employer that your wages have been transferred before writing to that bank or building society. If you are not sure what to do ask for further advice. You will need to contact all other creditors to explain you are having financial problems. In your letter you will need to briefly explain why you are having problems. For example, you may have been made redundant, you may be off work with an illness, your relationship may have broken down, or you may have been experiencing problems for some time and things have just got out of hand. The letter asks the creditor to supply information and return it to you as soon as possible. When you have received replies from all creditors you can then fully assess the extent of your problems. If you have payment protection it may be possible to make a claim if you are sick or you have been made unemployed. Contact the lender as soon as possible and ask for a claim form to be sent to you. If you have credit cards do not use them any more. Cut them in half to prevent further use and return them to the creditor with your letter. Make a list of all the creditors that you write to, including the date you wrote. Keep a list of all telephone calls made to, and received from, creditors and what was agreed. Make up a file to use. This will help you to keep all letters and replies in order for further reference. If you are not sure what you should do, or who you should write to, ask for further advice. 6 Step two – working out your income and expenditure Work out a budget plan while you are waiting for replies from creditors by using the expenditure sheet. List the money coming in each week or each month. Try not to mix them up. To calculate weekly income monthly, multiply the weekly amount by 52, then divide it by 12. To calculate a monthly income as a weekly amount, multiply by 12 then divide it by 52. If your income varies from week to week or month to month calculate an average amount. To do this, add together four weekly amounts or four monthly amounts, then divide them by four. This will give you average over a period of four weeks or four months. When you have listed your income including wages, benefits, and contributions from other living in your home, make a list of your expenditure. Start by listing all the priority payments, for example mortgage/rent, gas, electricity and Council Tax. List your normal monthly or weekly payments separately from the amounts you may be paying in addition for arrears. If you do not pay for all items on a weekly or monthly basis you will need to calculate what the average cost is for the period the bill covers. For example, if your gas or electricity bill may be for a quarter. To calculate a weekly amount divide the amount you owe by 13 and this will give you an average weekly amount. To calculate a monthly figure divide the amount you owe by three. This will give you an average monthly amount. If you pay your television licence, road tax, car insurance yearly, calculate the weekly amount by dividing the total cost by 52 or the monthly amount by dividing the total cost by 12. Do this for all your items of expenditure. At this stage do not list payments you are making to loan companies unless they are secured on your home or they are hire purchase agreements. When making a list of expenditure allow an amount for items of clothing and dental and prescription charges, unless they are free. These figures will vary according to the needs of each family. When your list is finished add the items of expenditure together to give you a weekly or monthly total. You will then need to deduct total expenditure, including amounts you pay off any priority arrears, from your total income. 7 Hopefully you will have some income left over. This is the amount of money you have to pay to your creditors (available income). If you have a minus figure and no available income ask for further help and advice. It may be because some items of expenditure are high and you may need to look at how savings can be made. It may be that you have arranged to pay a priority creditor more than you can afford. Ask for further advice if you are not sure. You should make arrangements with your priority creditors before you make arrangements with non-priority creditors. Ask for further help if you are not sure what to do. You can now make a list of all your creditors. Use the creditors sheet to do this. When you receive replies from creditors, you can enter the amount you owe to each creditor next to their name. When you have listed all the creditors and the amounts you owe, add all the amounts together to give you a total. If you do not agree with the amount the creditor says you owe or you think the information they have supplied is wrong. Ask for further advice. 8 Step 3 – making offers to creditors If you have available income, you can now start making offers of payment to your creditors. Offers of payment are made on a pro-rata basis To calculate the amount to offer to each creditor, you should divide each individual amount you owe to a creditor by your total debt, then multiply this by the amount of available income. To check you have done it right, add up your offers of payment. They should equal your available income. For example: Monthly available income £56 Creditor Balance outstanding Monthly offer Barclaycard £2654.26 £26.10 Lloyds TSB bank £1228.02 £12.07 Beneficial bank £862.96 £8.48 Capital one £950.00 £9.34 Total £5695.24 £55.99 Barclaycard £2654.26 £5695.24 x £56.00 = £26.10 LloydsTSB Bank £1228.02 £5695.24 x £56.00 = £12.07 Beneficial Bank £862.96 £5695.24 x £56.00 = £8.48 Capital One £950.00 £5695.24 x £56.00 = £9.34 If you are not sure what to do ask for further advice. When you have prepared your expenditure sheet and worked out what you can afford to pay your creditors, you will need to prepare a financial statement. You will need to send a financial statement to each creditor with another letter explaining the amount you are offering to pay and why you are unable to maintain your normal payments. You can use the financial statement sheet and letter included in this pack. Clearly write your name and address at the top of the page. State the number of people living in your home and include the ages of each dependent child. (A dependent child is a child for whom you receive child benefit). List the income and expenditure details from the sheet you used to work out your income and expenditure details. If you are receiving benefits list the name and amount of each benefit separately. 9 On the back of this sheet list all your creditors, the amounts you owe and the amount you are offering to pay to each creditor. When you are happy with what you have prepared you can send the offer letter included in this pack with your financial statement to all your creditors. Interest/charges – ask for interest and charges to be frozen as these will continue to be added and your balance will increase if your payment offer is less than your contractual payments. Start to make payment at the reduced amount from the date your next payment is due. If you have not been paying and the creditors have passed your account to a debt collection agency you may need to make payment to that agency. If you are not sure what to do ask for further advice. When you have completed all three steps above you have done the most important thing to prevent the situation from worsening. Will they accept my offer? Hopefully your creditors will accept your offer of reduced payments and you will continue to make payments without any further problem. However, most creditors will only accept your offer of reduced payment for a limited period of time and will review your situation after the time stated in their acceptance letter. When the account is due for review you will need to contact the creditor again and explain any change of circumstances. If there are no changes in your circumstances you will need to write to the creditor to ask them to continue with the present arrangements. If you are not sure what to do ask for further advice. What if they refuse my offer? Creditors sometimes refuse offers of reduced payment. If you believe your offer is reasonable you should write back to the creditor asking them to reconsider your offer. If other creditors have accepted you should include this in your letter. Continue to make payment at the reduced amount offered. Write back to the creditor and explain that you are unable to increase your offer of payment. They may have stated that they are unable to accept your offer because items of expenditure are high and should be reduced. You will need to decide whether the expenditure is high or whether the creditor is being unreasonable. If they have refused your reduced offer but will accept a reduced offer higher than you have offered, you will need to decide whether you can afford to increase your offer to that creditor. However, if every creditor asked you to do this it would be unmanageable. If you are not sure what to do ask for further advice. 10 What if creditors take me to court? Creditors do not have to accept your offer of reduced payment or agree to suspend payments and interest charges. If they are not happy with the amount you are offering to pay they can take you to court to obtain a money order judgement (CCJ). If the creditor does take you to court, you will receive a summons for the balance outstanding plus court fees and solicitors costs. With the summons you will receive an admission form N9a and a defence form N9b. If you agree with the amount of money claimed you will need to complete the admission form N9a in the same way as you completed the financial statement, listing income and expenditure and making your offer of payment. The form is to be completed and returned to the creditor or their agents, stated on the summons, within the time stated. They may accept your offer of payment and you will receive notification of the judgement from the court. Providing you continue to pay this amount no further action can be taken against you. If your creditor refuses your offer payment, the court will decide whether the amount you have offered is reasonable and will send you a judgement for the amount they think is reasonable, depending on your financial situation. Providing you continue to pay this amount no further action will be taken. However, if you disagree with the amount you are ordered to pay by the court you will need to write back to the court within the time given/allowed stating why you object. The court will then reconsider the amount you have to pay or give you a date and time to attend court when you will have the opportunity to explain your situation to the judge. If you disagree with the amount the creditor is claiming you will need to complete form N9b defence/counter claim and state your reasons for disagreeing. You will then be given a date and time to attend court when you can explain why you disagree. At this hearing the judge will decide whether you have a valid defence. However, the matter may be adjourned for further evidence of your defence to be supplied. If you are not sure what to do ask for further advice. If you do not keep up with the payments as ordered by the court or receive a Forthwith Order form the court, the creditor will be able to apply to the court for further action. The most common enforcement actions are: 11 Bailiffs The creditor can apply to the court to request that the court bailiffs come to your home to seize goods. The bailiff cannot force entry and unless you have let them in previously for the same debt. They can seize your car if it is parked outside your home. You can apply to the court to suspend the bailiffs action using the form N245. Attachment of earnings A creditor can apply to the court to make deductions directly from your salary on a weekly or monthly basis. The courts will work out the amount to be deducted or can suspend the deductions if your job will be at risk from this action and you are able to make the payments yourself. Charging order If you own your home, the creditor can use this method to request the court to secure an unsecured debt against your home. This entails a hearing at the court prior to the order being made. This does not necessarily mean that the creditor will then apply to "re-possess" your home. If you receive any of the above seek advice. What if they have a money order judgement against me and my situation changes? You can apply to the court for a variation of the order by completing form N245. There is a fee payable for making an application to court. Check whether you have to pay before making an application. Most people in receipt of a means tested benefit such as Job Seekers Allowance or Working Tax Credit do not have to pay. If you are not sure what to do ask for further advice. 12 Letter templates The following pages contain letters for you to complete and send to your creditors and mortgage lender or secured loan, if you have arrears. There is also a questionnaire form for your mortgage lender and creditors to complete and return to you. If you require more copies of these and are unable to copy them yourself, contact Blackburn with Darwen Council's advice service for more copies. If you need letters for other priority arrears such as Council Tax or fuel bills, contact the advice service. If you are not sure what to do seek further advice Templates: Page 14 Income and expenditure form To work out how much money you have left every week or month. Page 15 Creditor list For you to list who you owe money to Page 16 Initial creditor letter To send to your creditors to ask for details of how much you owe Page 17 Creditor questionnaire Send with initial creditor letter Page 18 Creditor offer letter For you to offer reduced payments to creditors Page 19 Initial mortgage letter Page 20 Mortgage questionnaire To send with initial mortgage letter 13 Income and expenditure form Name: _____________________________ Telephone no:_______________ Address:_______________________________________________________ ______________________________________________________________ No. of people in property: _______ No. of children: ______ Ages:_________ Net weekly/monthly income: Benefits weekly/monthly: Average wages: £________ Child benefit £________ Average wages: £________ Tax credits £________ Maintenance: £________ Income support/J S A £________ Other income: £________ Other benefits (state) _______________ £________ _______________ £________ _______________ £________ Total income: A £________ Weekly/monthly expenditure: Arrears: Mortgage/rent £________ £________ Secured loan £________ £________ Endowment/life Ins. £________ £________ Buildings/contents ins. £________ £________ Water charges £________ £________ Gas £________ £________ Electricity £________ £________ Council Tax £________ £________ TV Licence/Sky,etc £________ £________ Rental £________ £________ Telephone £________ £________ Fines £________ £________ Maintenance £________ £________ Hire purchase £________ £________ Housekeeping £________ Total arrears C: £________ Cigarettes/alcohol £________ Meals at work/school £________ Clothing £________ Total income : Child care £________ A £__________ Prescriptions/dental £________ Public transport £________ Minus Car insurance £________ Road tax £________ Total expenditure: Petrol/repairs £________ Other (Please state) ____________________ £_________ B + C= £__________ ____________________ £_________ ____________________ £_________ Available income for Total expenditure: B £________ creditors £__________ Advisor Allan Shewry 14 Creditor list (for you to make a list of your creditors) Creditor Account Balance Contractual Reduced number outstanding payment i.e. payment (ie the amount you what you think should be you can afford paying E.g. Anytown 1234567/8 £35,000 £280 £ building society Total £ £ £ 15 To: My address: Date: Dear Sir/Madam, Account Number:_________________________ I have been advised by from Blackburn with Darwen Council's advice service to write because I am unable to maintain normal payment because To enable them to fully assess my situation and to advise me further I would be very grateful if you would complete the enclosed form and return it to me. It may take up to six weeks to receive replies from all creditors and therefore, I ask for your consideration to accept a good will interim payment and agree to suspend interest charges and recovery action for the six weeks. As soon as I have replies from all creditors I will be able to contact you with an offer of repayment. I thank you for your assistance and look forward to your reply. Yours faithfully, Please reply to: ________________________________________________________________ _____ Initial creditor letter 16 Please complete and return this form Name of account holder(s)__________________________________________ Address of account holders(s) __________________________________________ Name of creditor ________________________________ Address of creditor _________________________________________________ Type of account ___________ Account number _________________ Amount of original credit __________Outstanding balance _______________ Contractual payments _________________________________ Is ongoing interest being charged? _____What is the APR?_________ What is the monthly interest? ___________________ Are there arrears? How much? __________________________________ Is agreement covered by the Consumer Credit Act? Yes/No (please attach copy of agreement) Term of agreement_________________ Is the agreement secured? _________ Is the agreement covered by insurance? Yes/No (if yes, please send details and a claim form) Has a default notice been issued? Yes/No (please attach a copy) What action has been taken/is pending?______________________________ Have you agreed to freeze interest rates? _____________________________ Have you agreed to suspend recovery action? __________________________ Who do I contact regarding the account? _______________________________ Signed:__________________________________________________ Position:____________________________ Date: _______ Creditor questionnaire – send with initial creditor letter 17 Date: Dear Sir/Madam, Account Number; I have been advised by from Blackburn with Darwen Council's advice service to write because I am unable to maintain normal payment to the account. Please find enclosed a financial statement with an offer of reduced payment. I am experiencing financial difficulties and having problems keeping to payments because You will note from the financial statement, I am only able to offer you a reduced payment of £ each month. I realise this offer may be lower than the amount expected, but I feel it is realistic and at a level which I should be able to maintain. I would be very grateful if you could accept my offer and waive further interest charges on the account for a minimum period of six months. In order for me to make payments, please could you forward the relevant payment book or giro credit slips. However, should my situation improve within this period, I will contact you with the relevant details. I thank you for your consideration and look forward to your reply. Yours faithfully, Creditor offer letter 18 Date: Dear Sir/Madam Acc no: I have been advised by from Blackburn with Darwen Council's advice service to write as I am currently in arrears with my account. In order for them to advise me fully I would be grateful if you would complete and return the enclosed questionnaire. As soon as I have this information from all my creditors, I will then be able to discuss my circumstances with my adviser and update you of my situation and ability to make payments in the future. It may take up to six weeks to receive replies from all creditors, therefore I ask for your consideration to suspend recovery action and interest charges/default charges to prevent my situation worsening. I look forward to receiving your reply. Yours faithfully Initial mortgage letter 19 Please complete and return this form Name of account holder(s) Address of account holders(s) Name and address of mortgage company Type of mortgage Date mortgage granted Monthly payment date Initial sum borrowed Any further advance Amount repaid Capital outstanding Current arrears Monthly payments Capital Interest Endowment premium Insurance policies (please specify) Is the mortgage covered by payment protection Insurance? (please give details) Any recovery action taken/pending Signed: Position: Date: Mortgage questionnaire – send with initial mortgage letter 20
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VI. Other Attacks by the LRA
While the Makombo area killings were the most deadly attack by the LRA in northeastern Congo since the Christmas massacres of 2008, LRA attacks against civilians have also been perpetrated in other areas in 2009 and 2010. Small groups of LRA combatants operating north of the Uele River, including some groups who later carried out the Makombo massacre, have also carried out dozens of attacks on civilians in villages and farms near the towns of Bangadi and Ngilima, and in the Manziga chieftainship. In these areas, Human Rights Watch has documented the deliberate killing by the LRA of 42 civilians between September 2009 and January 2010. The killings occurred in the villages and towns of Nakwa, Nagilidangue, Diagbe, Napopo, Birisi, Yamba, Kumbari, Bafuka, Kisimu, Lindimbia, Makpesela, Ngulu, Diadupo, Madudu, Badolo, Nandike, Nangula and areas around Nambia.[82]
The killings documented by Human Rights Watch are likely to be only a fraction of the total. Congolese civil society groups reported an additional 33 civilians killed in the same time period. At least seven others were seriously wounded, often only surviving because their assailants thought they were dead. A further six civilians, four women and two men, were horribly mutilated by LRA combatants who used razors to cut off each victim's lips and an ear. The killings and mutilations spread terror among the local population. Over 19,080 people fled to the towns of Bangadi and Ngilima to seek safety from the LRA attacks.[83]
In November 2009, LRA combatants attacked the village of Nakwa, about 15 kilometers south of Bangadi. They attacked a small farm just as the family who lived there had gathered for dinner. A family member told Human Rights Watch:
They came up to our house. There were seven of them and each one had a gun. They said they were not against us but that we should go into the house to eat. We didn't know what to do, and they just came and kicked over the pots of food. Some of my family managed to quickly run away. But they captured the two young boys who were with us, including my son, and then forced eight of us into the house and set fire to it. I tried desperately to open the window and I managed to climb through it. One of the LRA came after me with a large stick of wood and tried to hit me, but failed. Then another one shot at me. The bullet hit my shoulder and came out through the back of my neck. I ran into the forest. My brother also managed to get out of the house though he was badly burned on his arms. The others did not and they were all burned to death.[84]
The dead included four women—three of whom were over 65 years old—and two men.
In late December 2009, the LRA surprised a group of farmers harvesting peanuts near Nagilidangue, a small farming community some 45 kilometers southwest of Bangadi. The combatants abducted a man and forced him back to their camp. A few days later, on January 2, 2010, a group of 15 LRA combatants returned to the same area near Nagilidangue with the captured man and brought him to his neighbor's house. The neighbor told Human Rights Watch:
One of the LRA made my neighbor sit down and eat with us while the other LRA combatant pillaged all the goods in my house. My neighbor didn't have an appetite, but the LRA forced him to eat. Once they had taken everything from the house, the LRA told my wife and kids to carry the goods into the forest. I tried to escape, but as I was fleeing, one of the LRA grabbed my clothes, pulled me down, and then started to cut me with his machete—three times on my head, seven times on my back, and twice on my arm.
I tried to escape again, but the LRA shot me in the leg as I was running. I fell on the ground and had no strength left to get up again. The LRA thought I was dead and didn't come over to check. Then I heard gunshots firing in all directions, and the LRA started to pack up the pillaged goods and go into the bush. My wife and children were able to drop what they were carrying and run away. I was left alone and felt like I was already dead. An hour later, a bit of life came back to me and I could hear my child's voice in the distance. I called out to him, and my wife and children eventually found me.[85]
The man's 18-year-old daughter was also wounded during the attack. She had tried to flee with her young baby, when one of the LRA combatants shot her in the foot.[86]
The next day, January 3, the same group of LRA combatants attacked another house, about six kilometers away. There they killed Reginard Ngisakumba, 45, and Fuoyo, 50, by blows to the head with large wooden sticks. Fuoyo's wife, Koakpi, was also killed. Those who later buried her body said she had a wooden stick inserted so far up her vagina that it came out through the upper part of her chest. Her skull had also been crushed.[87]
The same day, about two dozen LRA combatants attacked a second home less than a kilometer away, killing the 30-year-old owner of the house and abducting his three young sons, aged 6, 10 and 13; the youngest two later managed to escape. The man's body was found with a piece of wood stuck in his side, a machete wound to his head, and his entire body burned except for his face.[88] The man's wife described what happened:
They [the LRA combatants] made everyone in the house get on the ground, and then they started pillaging everything. They took my three children and my husband into the forest behind our house. There they started hitting my husband with a wooden stick—on the back of his head, on his eyes, on his side, and on his stomach. After he was dead, they lit him on fire. All this was done in the presence of my three children, just 500 meters from our house. After the killing, some of the LRA came back to my house where I had been hiding. They took our manioc and then set the house on fire. My husband's second wife had escaped. One LRA asked me where she was. I said I didn't know, and then he took out a machete to cut my feet, telling me that this would prevent me from fleeing. Luckily I was wearing thick boots so it didn't cut my skin. Then the group of LRA combatants and the people they had captured spent the night in my compound. In the morning, they left and they didn't try to take me with them. My two youngest sons managed to escape. They showed me where the LRA had killed their father. My eldest son is still missing.[89]
In December 2009, LRA combatants mutilated six civilians near the towns of Bangadi and Ngilima in Congo by cutting off the victims' lips and one ear with a razor. The LRA then released their victims and sent them back to Bangadi and Ngalima with a chilling warning to others that anyone who heard or spoke about the LRA would be punished.[90] Similar mutilations were a trademark of LRA attacks in the early 1990s in northern Uganda, but previously they had not been reported in Congo
In early December, two women and a man were captured by LRA combatants while they were gathering their sweet potato and cassava harvest from their farm about five kilometers from Bangadi. The LRA combatants tied the three together with a cord around their waists and took them into the forest where a small group of LRA combatants had set up camp. They accused their victims of telling the Congolese army about their locations and said they would leave them with a "sign" to tell the population to stop talking about the LRA.[91] Among the seven LRA combatants were a number of children, including a young Congolese combatant, about 14 years old, who spoke the Zande language, and was likely a child who had been abducted months or years earlier by the LRA.[92] The next morning, this young combatant carried out the mutilation. One of the victims, a 38-year-old woman, told Human Rights Watch:
In the morning, at around 6 or 6:30 a.m., they started cutting off our lips and ears with a razor. The older Ugandan combatant gave the order to the Congolese boy to cut us. They cut the man first, and then me and the other woman–first the upper lip, then the lower lip, and then one ear. When they finished, they told us to leave and return to our village. We eventually found the path and then met Congolese soldiers along the road who brought us on their bicycles to the Bangadi health center. There was lots of blood. I still have really bad headaches. When I talk, it's like my mouth is on fire.[93]
In a separate incident in early December, a 44-year-old man was mutilated in the same manner by LRA combatants near Bangadi. Later in the month, a 50-year-old woman and a 23-year-old woman were also mutilated near Ngilima town. In all cases, the LRA combatants cut off both lips and one ear.[94]
[82] Human Rights Watch interviews with those who buried the dead, witnesses, civil society representatives, and local chiefs, Bangadi, February 21 and 22, 2010.
[83] UN OCHA, Table of displacement statistics for LRA-affected areas of northeastern Congo, January 2010. On file at Human Rights Watch.
[84] Human Rights Watch interview with victim who escaped from the burning house, Bangadi, February 22, 2010.
[85] Human Rights Watch interview with victim, Dungu, February 24, 2010.
[86] Human Rights Watch interview with victim, Dungu, February 24, 2010.
[87] Human Rights Watch interview with those who buried the dead, Bangadi, February 21, 2010; Human Rights Watch interview with witness from Nagilidangue, Bangadi, February 22, 2010; Human Rights Watch interview with witness from Nagilidangue, Dungu, February 24, 2010.
[88] Human Rights Watch interview with witness from Nagilidangue, Bangadi, February 22, 2010; Human Rights Watch interview with witness from Nagilidangue, Dungu, February 24, 2010.
[89] Human Rights Watch interview with witness from Nagilidangue, Bangadi, February 22, 2010.
[90] Human Rights Watch interviews with three victims of mutilation, Bangadi, February 22, 2010.
[91] Human Rights Watch interview with one of the victims mutilated by the LRA, Bangadi, February 22, 2010.
[92] Many Zande children were captured by the LRA from September 2008. See Human Rights Watch, The Christmas Massacres.
[93] Human Rights Watch interview with victim, Bangadi, February 22, 2010.
[94]Human Rights Watch interviews with hospital officials, Dungu, February 24, 2010.


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Owner Corner
WorldMark® Owners share stories of memorable moments, celebrated occasions, and the hobbies they pursue at their favorite resorts. If you have a great story or if you would like to share your WorldMark Owner experience, we would love to hear it!.
2nd Place Share Your Story Winner May 2014
"The whole meaning of vacationing is to be in a place or a moment in time that brings peace, laughter, awe and at least one new experience. Our recent trip to Maui was one of those vacations.
Debi and I had planned to go many months ago. Little did we know that we would end up with six people, a makeshift family reunion and the trip of a lifetime for our beautiful friend, Cindy. I used to say I never wanted to go to Hawaii — until I went.
So it all began with Deb and I planning a trip back to Maui just as the Oregon weather started to turn chilly with fall. As Cindy went through chemotherapy, Debi asked her to join us as a get-well gift of sorts. We had also been attempting to get Debi's dad Pete and his cousin, Walt together. It had been far too many years since the clan had all been in the same place at the same time.
Maui time? You bet. We checked in and it was so cool because the staff remembered us from our last visit. We really do enjoy our stays at WorldMark for so many reasons. We have found that several of the locations have long-term staff that remember people over the years. It's like coming home to the places we visit repeatedly. That first night we cut up some fruit, grabbed a piece of cheese or maybe a piece of toast and just sat down. Like water over the falls the frenzy of a really crazy year started to lift.
Our last full day in Maui is always bittersweet. It's the day that I know I could live there, find a little house near a mango tree somewhere close to the beach and just plant myself. Then life at home calls — our beautiful children, family and friends, not to mention the whole work/paycheck/mortgage thing!That night we took a little walk on the beach. Took a couple more breaths and let ourselves hope that time will find us back in this place with people we love. The warmth of the people mirrors the warm weather and grace of this side of the planet. Once more we were able to embrace family, bring our own brand of love with us on vacation and live in the moment."
Note: this essay was edited for length.
Anna Wilson
Oregon City, Oregon
3rd Place Share Your Story Winner May 2014
"Our favorite beach resort destination is WorldMark Coral Baja in San Jose del Cabo, Mexico. We first visited in 2010 when we went with our neighbors who are also WorldMark owners. They go every year and were excited to show us around the local area. We fell in love with the resort almost immediately! The grounds are beautiful and you can see the beach from many of the rooms. Waking up in the morning to the amazing sunrise over the beach, then walking down and having breakfast at the on-site restaurant while listening to the waves is a wonderful way to start the day. There were so many things to do within walking distance or by a short drive.
Since we enjoyed our stay so much, we decided to gift a week's stay to our son and his new wife as a wedding present. Once we got to thinking about how nice it was having "tour guides" on our trip we purchased a week's stay for ourselves as well, only arriving the day before the kids were to arrive. We figured we could show them around the area just as our friends had done for us. But we were going to keep it a surprise!
Everyone teased that we were going to "crash" their honeymoon, but of course we were going to stay in a totally different room. The day the airport shuttle bus pulled up with our son and his wife, we were sitting out front on the bench with a welcoming cold drink for them. They were shocked to say the least, but also relieved since they wondered how they would find their way around, never having travelled to Mexico before. We spent a lot of time at the resort, enjoying all the amenities and also toured them around San Jose del Cabo and Cabo San Lucas.
Our neighbors still visit WorldMark Coral Baja annually and we hope to return in early 2015. You can't go long without those palm trees, the sunshine and the beautiful beach and swimming pool, but the pictures and memories we've made will have to do for now."
Patty Tunell
Prescott, Washington
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(Science: botany) The plant eyesight (euphrasia officionalis), formerly regarded as beneficial in disorders of the eyes. Then purged with euphrasy and rue The visual nerve, for he had much to see. (Milton)
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About Schools in Carl's Corner, TX
Contact a Coldwell Banker® real estate agent to learn more about the schools and school districts in Carl's Corner, TX.FIND AN AGENT
Carl's Corner, Texas is located in Hill County. Nearby cities and towns include Hillsboro, Milford, Itasca, Bynum, Mertens, Italy, Abbott, Covington, Frost, Grandview, Malone, Maypearl, Penelope, Whitney, Aquilla, Blooming Grove, West, Blum, Rio Vista, Hubbard, Ennis, Coyote Flats, Dawson, Alvarado, Venus, Barry, Bardwell, Leroy, Laguna Park, Mount Calm, and Ross. Carl's Corner is a rural community with a population of 176. The median household income is $44,999. In Carl's Corner, 45% of residents are married, and families with children reside in 34% of the households. Half the population of Carl's Corner commutes 16 minutes or less to work, with 59% of residents holding white collar jobs and 41% residents holding blue collar jobs. The median age of homes in Carl's Corner, TX is 17 years, with 61% of those homes owned, 27% rented, and 12% not occupied.
Contact a Coldwell Banker® real estate agent to learn more about the schools and school districts in Carl's Corner, TX.FIND AN AGENT
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British opposition leader makes fun of Mitt Romney
- By Uri Friedman
Uri Friedman is deputy managing editor at Foreign Policy. Before joining FP, he reported for the Christian Science Monitor, worked on corporate strategy for Atlantic Media, helped launch the Atlantic Wire, and covered international affairs for the site. A proud native of Philadelphia, Pennsylvania, he studied European history at the University of Pennsylvania and has lived in Barcelona, Spain and Geneva, Switzerland.
Mitt Romney's gaffe-filled overseas tour this summer served up lots of comedic fodder for Democrats. Senator John Kerry noted that for Romney, "an overseas trip is what you call it when you trip all over yourself overseas." Referencing the Republican candidate's criticism of London Olympics organizers during his visit to the United Kingdom, President Obama observed that "you might not be ready for diplomacy with Beijing if you can't visit the Olympics without insulting our closest ally." Now, it seems, Ed Miliband, Britain's Labour Party leader, is getting in on the action. In an address to a party conference this week, Miliband reflected on his meeting with Romney in London:
You may have noticed that doing this job you get called some names, some of the nice, some of them not so nice. Let me tell you my favorite; it was when Mitt Romney came to Britain and called me 'Mr Leader.' I don't know about you but I think it has a certain ring to it myself, it's sort of half-way to North Korea. Mitt, thanks a lot for that.
Here's a clip of Romney calling Miliband 'Mr. Leader' back in July (Miliband stays straight-faced):
The joke fell pretty flat, apparently. The Independent reports that it "did not work, partly because he rushed the timing" (the Guardian actually timed the length of applause — a paltry three seconds). I imagine Romney wouldn't appreciate it either.
Related Stories
Obama campaign: Romney trip shows he is failing the commander-in-chief testJosh Rogin
Josh Rogin covers national security and foreign policy and writes the daily Web column The Cable. His column appears bi-weekly in the print edition of The Washington Post. He can be reached for comments or tips at email@example.com.
Previously, Josh covered defense and foreign policy as a staff writer for Congressional Quarterly, writing extensively on Iraq, Afghanistan, Guantánamo Bay, U.S.-Asia relations, defense budgeting and appropriations, and the defense lobbying and contracting industries. Prior to that, he covered military modernization, cyber warfare, space, and missile defense for Federal Computer Week Magazine. He has also served as Pentagon Staff Reporter for the Asahi Shimbun, Japan's leading daily newspaper, in its Washington, D.C., bureau, where he reported on U.S.-Japan relations, Chinese military modernization, the North Korean nuclear crisis, and more.
A graduate of George Washington University's Elliott School of International Affairs, Josh lived in Yokohama, Japan, and studied at Tokyo's Sophia University. He speaks conversational Japanese and has reported from the region. He has also worked at the House International Relations Committee, the Embassy of Japan, and the Brookings Institution.
Josh's reporting has been featured on CNN, MSNBC, C-Span, CBS, ABC, NPR, WTOP, and several other outlets. He was a 2008-2009 National Press Foundation's Paul Miller Washington Reporting Fellow, 2009 military reporting fellow with the Knight Center for Specialized Journalism and the 2011 recipient of the InterAction Award for Excellence in International Reporting. He hails from Philadelphia and lives in Washington, D.C.| The Cable |
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Dems haven't had this much national-security swagger since LBJUri Friedman
Uri Friedman is deputy managing editor at Foreign Policy. Before joining FP, he reported for the Christian Science Monitor, worked on corporate strategy for Atlantic Media, helped launch the Atlantic Wire, and covered international affairs for the site. A proud native of Philadelphia, Pennsylvania, he studied European history at the University of Pennsylvania and has lived in Barcelona, Spain and Geneva, Switzerland.| Passport |
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The world leader endorsement tallyJoshua Keating
Joshua Keating is associate editor at Foreign Policy and the editor of the Passport blog. He has worked as a researcher, editorial assistant, and deputy Web editor since joining the FP staff in 2007. In addition to being featured in Foreign Policy, his writing has been published by the Washington Post, Newsweek International, Radio Prague, the Center for Defense Information, and Romania's Adevarul newspaper. He has appeared as a commentator on CNN International, C-Span, ABC News, Al Jazeera, NPR, BBC radio, and others. A native of Brooklyn, New York, he studied comparative politics at Oberlin College.| Passport |


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Whether one is producing music, podcasts, game sounds, or film sound effects, Digital Audio Principles provides the tips and techniques that will make the project a success. Author Dave Schroeder explains the basics of digital audio production techniques and covers the essential hardware and software. He also discusses sound theory, frequency response, the range of human hearing, and dynamic range.
The next thing I want to talk about is the toolbar, which you'll find in a lot of audio software, and really in a lot of software, it's pretty common thing. So I don't expect its existence to necessarily be disturbing or new to you, but there are a couple of tools in most audio software toolbars that are worth checking out and learning about. So I'm just going to go through a few, the more common ones that maybe you haven't see in another toolbars, like let's say in the Microsoft Word toolbar. You haven't seen the Scrubber, which you wish you had.
So this let's you click on the Scrubber icon and drag it across the audio, forward or backwards, and the speed you drag it basically scrubs that audio. I'm just dragging my mouse back and forth. You can do this for hours, doesn't really serve a purpose, but it's very cool. Now, that's great if you have a little clicks or points that you think you've heard, but you can't quite find, and you want it really zero in on something in a sound file, the scrubber comes in really handy. The most common tool probably is the selector or the pointer tool.
And this is what you use to highlight sections of audio to cut and paste these sections, things like that. It's a fairly common tool, and you'll see some sort of--they might call it an I-Beam or the Selector in different programs, but you'll use this quite a bit to navigate around the different audio files. Let's zoom back in to kind of our main thing here. Then there is the Trimmer, which works kind of similar to the selector except it's designed to work on the ends of files. So you can come here, and then if you move to another--the opposite end--you can just trim that end, which is real nice. You can get in and get close to extend things.
So that's the Trimmer tool. You'll usually see something like the Grabber tool, or the Hand tool, or something that's designed to help you grab stuff and move it around. Let's get that line back up, it could be in deep--no, because we can do this, a musical interlude for you. (music playing) Okay, one other tool worth knowing about is the Pencil tool, which I have up here, and with that you can go in really, really tight on a waveform.
Let's zoom way in and pick this tool and actually redraw your waveforms. This is cool if you need to fix little things or change big clips. Now, you can't really draw out digital distortion if you have really loud things, but you can use this kind of smooth certain things out. It's convenient if you want to try and make clean edits or just change little parts. So those are the main tools you're kind of going to come into contact with. It'll be different from other pieces of software, but again, you'll find these in a lot of pieces of audio software.
It might have different icons or different names, but that kind of functionality is fairly common. It's always great to learn the hot key commands to switch from tool to tool so that you can edit really efficiently. One other thing is that most the tools in the toolbars will have hot keys that you can click on the keyboard to select or move between different tools. Learning these hot key commands will really help you work faster when you're doing your audio production. Next, we'll take a look at the Edit/Arrange window.
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Support Groups
The Lupus Foundation of America, North Carolina Chapter is fortunate to be able to work with an outstanding group of volunteers who understand the issues that challenge a person with lupus. These trained volunteers offer support to lupus patients, friends, and family members throughout the state. These groups provide participants with an opportunity to receive introductory information about lupus, encourage the expression of concerns, provide an opportunity to share experiences, encourage and support positive coping strategies, and emphasize the importance of medical treatment.
Find a support group in your area
No RSVP is required, but please contact the LFA, North Carolina Chapter office (firstname.lastname@example.com or 877-849-8271) prior to meetings to confirm meeting dates and times OR to be personally connected with a particular group facilitator.Don't see a group in your area? To be added to the interest list for any of the "Coming Soon" groups, or if you are interested in starting a group, contact the LFA, North Carolina Chapter office (email@example.com or 877-849-8271).
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University City United Methodist Church, Building with "Church Offices" sign, Rm. 109
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Northeast Regional Library
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Join the Wilmington Support Group's Facebook page
**April meeting will be meeting at Port City Java, Porters Neck location, 8211 Market St. Wilmington, NC 28411
Onslow County
Second Monday of each month
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Onslow County Memorial Hospital
Education Building, Classroom 1
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Jacksonville, NC 28546
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First Saturday of each month
Reeves Community Center, Room 102
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Waters Edge Office Park
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Raleigh, NC 27606
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For more information about how to donate to the LFA, NC Chapter, fill out the online contact us form, or call our office at 704-716-5640 or toll-free at 877-849-8271.


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32 year old woman | Corona, CA, USA | Seeking men 30-38 within 20 miles
Rough around the edges, but soft in the inside
When people look at me, they may be intimidated by the tattoos that they see. But once you get to know me and look beyond the ink, you understand that I am a simple, outgoing girl enjoying life! I grew up in Corona, and continue to live in Corona (which I just moved back to this past August). Even though I have a strong work ethic, I am looking for someone I can have a good time with whether its watching a movie on a lazy day or spending the day/night at the beach. I enjoy cheering on my favorite sports' teams, spending time with my family, hanging out with my friends. I would love for someone to have these same similar interests as me. Most importantly, I am looking for someone who I can call my best friend, someone who I can have a fun time with and someone who just wants an average girl (not a Barbie doll type). Let me know if this could be you!
Coffee and conversation , Dining out , Movies/Videos , Music and concerts , Exploring new areas , Nightclubs/Dancing , Travel/Sightseeing , Watching sports , Wine tasting
Aerobics, Dancing, Swimming, Walking / Hiking
I exercise 3-4 times per week.
I have Dogs
I like Cats, Fish
I own a black pug.
Middle of the Road
My favorite vacation spots are San Francisco, Hawaii, Florida and Chicago. But I am open to visiting new places. Which I just recently went to Australia...best trip ever
I enjoy listening to pretty much anything. I enjoy eating all types of food, except for sushi but I'm willing to try it.
During my free time, I like to go to the movies or the beach...hang out with my family and friends. Enjoy a nice dinner and drinks. I enjoy watching movies and relaxing at home.
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Z{{Cta}} {{#if HasMoreInfo}} ?{{CtaSecondary}} {{/if}}
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Once Upon A Time - Season 2 Thread
View Single Post
January 14 2013, 05:19 AM
Guy Gardener
Fleet Admiral
Location: In the lap of squalor I assure you.
Re: Once Upon A Time - Season 2 Thread
Regina must have left Storybrooke to "abduct" henry form what every government nursurary that... Or was it Pinochio that forced Henry into Regina's household through trickery... Although if Regina entered this world by herself and not with the curse, which is why she kept her old life memories, the change in the curse won't stop her becuase the curse has never been locked on to her.
"Glitter is the herpes of arts and craft."
Troy Yingst. My Life as Liz
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For Fracking, There's Plenty of Water to Go Around
While some environmentalists will make is seem like fracking operations are drinking the rivers dry, this is simply not the case.
While some environmentalists will make is seem like fracking operations are drinking the rivers dry, this is simply not the case.
Companies are constantly looking for ways to use less water to achieve the same level of fracturing.
The Wall Street Journal issued a blistering rebuttal today — in an editorial titled "Energy in the Executive" — to Barack Obama's energy policy comments made during the debate this[…]
Environment/Energy · Regulation
The Marcellus Shale Coalition, an industry organization promoting the development of natural gas from the Marcellus Shale formation, draws attention to the figures below from Pennsylvania's Department of Labor & Industry. Green[…]
|Joe Bast
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Oct 3, 2012
A Brazilian economic recovery is already underway, though growth levels of 4.0% are likely to bring inflation concerns and a rise in interest rates next year, say economists and corporate officials. "The growth rebound is already here. My concern is that it will work too...
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Jun 10 - 11, 2015 | W Hotel, Santiago, Chile
Returning to Chile for its ninth edition. The region's best attended capital markets event gathers...
Sep 24 - 25, 2015 | Guanajuato, State of Guanajuato, Mexico
The Infrastructure and Sub-Sovereign Finance in Mexico Summit remains the only seminar in Mexico...
Will a strong dollar deter investors from LatAm bonds?
No, the yield-hunt goes on
Yes, but only retail investors
Yes, once the Fed raises rates
We wanted to send a message to the market that fiscal responsibility, financial stability and low inflation are the anchors of economic management in Colombia
Mauricio Cárdenas, Colombian Finance Minister
All material is subject to strictly enforced copyright terms & conditions and cannot be repurposed or reproduced. © 2015 Latin American Financial Publications Inc.


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Date: 1871
Description: Birds eye map of New London depicts street names and street locations, houses, trees, the bridge, Wolf River, and the bayou. At the bottom of the map, a re...
Date: 1897 ca.
Description: Located on 4th Street; only the first floor is visible through the trees. The house sits on a small hill above the street. Two chairs sit in the lawn on...
Date: 1870
Description: Birds eye drawing of Oconomowoc depicts street names and street layouts, houses, trees, Oconomowoc River, Fowler Lake, and La Belle Lake. A reference key a...
Date: 1880 ca.
Description: Elevated view across Park Street of Chadbourne Hall on the University of Wisconsin-Madison campus. Adjacent buildings (to the hall) along Park Street are,...
Date: 1876 ca.
Description: This map is ink on tracing cloth and shows the Black River, French Slough, Little French Slough, the southern portion of North La Crosse, the Milwaukee & S...
Date: 1860 ca.
Description: Exterior view of the Johathan Hurlbut residence, built in the 1840's.
Date: 1882
Description: Bird's-eye view of Milwaukee looking south down 8th Street from Schlitz's Park.
Date: 1876
Description: This map is of the towns of Neenah and Menasha and shows exisiting and proposed canals. Water depths shown by soundings. Little Butte des Morts Lake, Doty...
Date: 1890 ca.
Description: "Commands Honored" monument in the form of a large bronze book opened to pages reading "High Water Mark on the Rebellion" and "Repulse of Longstreet's Assa...
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Date: 1857
Description: Bird's-eye view of Madison, from rooftop across lake with sail boats and steamers. "Taken from the Water Cure, South Side of Lake Monona."
Date: 1898 ca.
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Date: 1855 ca.
Description: Chronicle newspaper office, the first building on the townsite of Superior, built in 1853 by William C. Howenstine, John T. Morgan, and August Zachau.
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Description: Bird's-eye map of Peshtigo.
Date: 1870 ca.
Description: The third (second in Madison), Wisconsin State Capitol that stood from 1857-1913, from a stereograph original.
Date: 1895 ca.
Description: Paving Watertown's main street with bricks, with almost as many men who are watching as construction workers.
Date: 1866
Description: Elevated view over storefronts and the river.
Plate 50
Date: 1886
Description: Bird's-eye view of Milwaukee from Bay View.
Date: 1869 ca.
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HERE'S A LITTLE BIOLOGY LESSON: As early humans evolved, starvation and deprivation were persistent threats to survival. So they learned to store fat in flush times and burn fewer calories when food was hard to come by—just like bears preparing for hibernation. If you go hungry all day and then eat a heavy evening meal, you're doing the same thing.
Instead, try eating several small meals, consuming 30 percent to 35 percent of your daily calories in the morning. You'll feel full all day and give your body a chance to burn off what you took in—rather than sleeping on it like a bear.
That's why avoiding this starvation response is a core principle of The Men's Health Diet. On this plan, you'll lose 15 pounds in 6 weeks—without ever getting hungry, bored, or frustrated. Here are a few of the The Men's Health Diet guidelines that'll help you turn fat into muscle without ever feeling deprived.
The foods
Dairy, eggs, whole grains, and fiber. If you usually skip breakfast, start with a glass of milk or a slice of cheese with whole-wheat toast. Or, if you wake up ready for a meal, have walnut-flaxseed oatmeal with some yogurt and blueberries.
The goal
To load up on calories.
The rationale
The protein in milk and other dairy products can increase muscle protein production, helping to promote muscle growth and fat loss after exercise.
More of the same! That's right—eating twice in the a.m. means you'll take in fewer calories overall. A lot of guys don't have the time (or the stomach) to power down a third of their daily calorie allowance first thing in the morning. So breaking up the meal keeps your calorie intake shifted to the morning while allowing you to start your day without busting a gut.
The foods
Vegetables, beans, fruits, nuts, and whole grains. Think soups and salads.
The goal
To pack in as much nutrition as possible.
The rationale
Lunch is the defining moment of your nutritional day. Breakfast is about calorie loading, and by dinner the day is shot. So lunch is your chance to feast on at least three representatives from the fruit, vegetable, or legume category—which is why soups and salads are your go-to choices at this time of day.
What's for dinner? Pick up your copy of The Men's Health Diet to learn the superfoods that pack on pounds of muscle!
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Ever wonder why you get the midnight munchies? Your brain's reward center is less receptive to food in the evening, which means that you need more high-calorie junk at night to satisfy a craving, suggests...
The Truth behind 5 Food Myths
It goes like this: A client looking to lead a healthier life hires me, a nutritionist, to help him improve his diet. I analyze what he's been eating, factor in his food preferences, and together we...
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There are countless benefits to dropping pounds if you're overweight or obese. You'll have more energy. You'll look and feel better in clothes. You'll slash your risk of developing diabetes, depression,...
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It's not a surprise that your attention may waver when there's a gooey chocolate chip cookie beckoning you from the corner of your desk. But if you're counting calories, just the idea of a sugary...
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Tell your sweet tooth to take a hike. A brisk walk zaps sugar cravings, new Austrian research finds. The study participants either strolled or sat for 15 minutes and then rated how much they...
Why Dwayne "The Rock" Johnson Is Technically Obese
When Furious 7 set box-office records on its opening weekend, there was one story lurking in the shadows of the celebrity-industrial complex that no one wanted to talk about: The star, Vin Diesel, is overweight.And...
How a Men's Health Editor Lost 30 Pounds of Fat
Brian Boye was too good at his job. On the outside, everything looked sharp. As executive fashion director for Men's Health, he knew how to camouflage his excess pounds."I wore sweaters and loose clothing"...
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Even guys with the strongest resolves can occasionally cave to temptation when they're trying to lose weight. The next time you think about skipping the gym or eating (yet another) cookie that your coworker...
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Smoothies are a great way to get a nutrient-packed meal or snack, stat. They can provide everything you need—protein, healthy fats, vegetables, and fruits—all in a to-go cup. Even better: Shakes...
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If you dread the tread, check out these six routines that will help you outrun boredom and get better results than ever. Turn Up Your Tempo Set the incline to 1 percent and warm up with 10 minutes of easy...
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A medicine ball may not be a part of your workout—but it should be. "Training with med balls helps you build muscle, burn fat, and improve your athleticism," says David Jack, owner of ActivPrayer in...
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If you want to lose a belt size, skip the treadmill. Performing intervals during your regular workout may help you lose more belly fat than steady-state cardio, according to Greek researchers. In...
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I've heard stories about athletes who enhance their performance by sleeping in high-altitude chambers, drinking kale smoothies every four hours, getting deep tissue massages every day, or training with...
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Narrow your search
Samsung is reportedly set to sign one of the biggest sponsorship deals in tech history by splurging $20m on the rapper and impresario.
Thanks to the popularity of online media sites like YouTube, mainstream entertainment soon may look more like that kid clowning around in front of a laptop camera.
Google owns about 55 percent of the search ad business, but it's still way ahead of its competitors -- despite Baidu's strength in the big China market.
Facebook and Twitter will combine to own a third of the US display ad market in 2017, according to research firm eMarketer.
Partner Li-Ning, a sneakers maker that burst onto the international scene at the 2008 Olympics, is back to mainly selling in China. It's hoping that a deal with rising-star Xiaomi will give it another shot.
Both companies will be coming on strong in the US as they fight to capture your attention. They won't find it easy going.
It's got a deformity. That's why it's grumpy. Humanity can't get enough of staring at it. But did this cat really make $100 million? It seems not.
Wouldn't the trailer for "The Force Awakens" be better with more explosions, French music and Rick Moranis? Parodies imagine Michael Bay, Wes Anderson and Mel Brooks as directors.
Music's bedrock business will be selling access to streams, not ownership of tunes. So what does that mean for the artists you love? It should be music to their ears.
CEO of ZTE's US business tells CNET he prefers the unlocked route for the company's high-end line of smartphones because a carrier partnership means more compromises.


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Unfortunately your submission Toluca – Corporate Muse Template isn't quite ready for ThemeForest. Here's some feedback from our Review team on why it couldn't be accepted.
The changes are not enough. When a change is requested it should be significant enough to change the look and feel of the site. Changing a few elements does not change the visual inconsistencies in your design.
Any improvements ideas are welcomed =)http://dagtok.com/muse-themes/toluca-template/
The menu needs work including the dropdown sub.
The blue color is not the right choice i think. I would use grayscale colors.
There is no hover animations on buttons and so on.
Also use better images for your preview nice colors and crisp images.
I would also work on the graphics cus it looks too flat.
Cheers and good luck
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- Published: New York : Dutton Children's Books, c1995.
- Year Published: 1995
- Edition: 1st ed.
- Description: 166 p. : ill. ; 24 cm.
- Language: English
- Format: Book
ISBN/Standard Number
- 0525453571 :
Additional Credits
Recently Listed On
- Fairy Tales Retold - Youth Fiction/Picture Books
- Historical fiction for children
- reading
- If you like Bunnicula...
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Jimmy, the pickpocket of the palace
by Napoli, Donna Jo, 1948-
There is currently 1 available
Where To Find It
Call number: J Fiction / Napoli, Donna Jo
Available Copies: Downtown Youth
Additional Details
Youth level.
Sequel to: The prince of the pond.
Jimmy, the froglet son of an enchanted frog-prince, tries to save his pond from the evil hag and in the process finds himself transformed into a human boy.
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Home > Archives
Friday November 2, 2012
Reports by MARTIN CARVALHO, YUEN MEIKENG and RAHIMY RAHIM
The gradual increase in motor vehicle premiums from this year was necessary to reflect the actual risk factor, said Deputy Finance Minister Datuk Dr Awang Adek Hussin.
He said the hike was needed to sustain the insurance industry which had reached a critical stage.
"Insurers had to pay RM3 for death and injury claims for every RM1 paid as premiums last year," he said when replying to a question raised by Hamim Samuri (BN-Ledang) in the Dewan Rakyat yesterday.
Awang said the new motor insurance framework was agreed upon by the Government and the insurance industry last year.
Under the framework, insurance premium payments are being increased at a nominal rate in stages from this year until 2015.
"Those who have a lower risk profile pay lower insurance premiums," he said, adding that factors included the age of the vehicle.
Based on a study conducted by the International Trade and Industry Ministry, Dr Awang Adek said motorists paid an average of RM3,062 annually as insurance premium for their cars here compared to RM7,960 in Singapore, RM6,736 in Thailand and RM4,593 in Indonesia.
The Government is currently in talks with financial institutions to see if a "rescue package" can be implemented to prevent loan defaulters from being hauled to court and declared bankrupts.
Deputy Minister in the Prime Minister's Department Datuk Liew Vui Kong said legal action would still be the last resort for recovery of debts.
He was replying to a question raised by Abdul Rahman Ghani (PKR-Tanah Merah).
Earlier, Liew told the Dewan that 2,011 civil servants had been declared bankrupts by the Insolvency Department over the last five years.
More than 20,000 women nationwide have succeeded in increasing their monthly income under the 1Azam programme said Deputy Women, Family and Community Development Minister Senator Datuk Heng Seng Kie.
"Of the 23,000 women participating in the 1Azam programme, some 21,724 or 93% succeeded in increasing their monthly income by an average of RM200.
"Of this, 7,147 or more than 33% managed to increased their monthly income between RM200 and RM1,000," she said when replying to a question raised by Nancy Shukri (BN-Batang Sadong).
The Education Ministry has implemented several measures to address the shortage of option teachers, especially in the English Language.
Deputy Education Minister Datuk Dr Wee Ka Siong there were vacancies for 1,638 English teachers in secondary schools and 271 in primary schools.
"The Ministry has introduced the Additional Option Intervention Programme which involves some 2,000 Chinese language teachers being trained for English and Malay subjects," he said when replying to Che Uda Che Nik (PAS-Sik).
Neighbours heard cries of children being beaten
RM1mil reward offer for information on Dr M's alleged misdeeds
Body of child found buried in kitchen
'Wild' party ends for 51 at popular mall
Money down the drain
Image on Google Street View may be that of missing boy
Copyright © 1995-2015 Star Media Group Berhad (ROC 10894D)(Formerly known as Star Publications (Malaysia) Berhad)


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The relationship between breastfeeding and weight status in a national sample of Australian children and adolescents
1 Department of Nutrition and Dietetics, School of Medicine, Flinders University, Adelaide, South Australia
2 Physical Activity and Nutrition Observatory: Research And Monitoring Alliance (PANORAMA), Flinders University, Adelaide, Australia
3 CSIRO Food and Nutritional Sciences, Kintore Ave, Adelaide, South Australia
BMC Public Health 2012, 12:107 doi:10.1186/1471-2458-12-107Published: 7 February 2012
Breastfeeding has been shown consistently in observational studies to be protective of overweight and obesity in later life. This study aimed to investigate the association between breastfeeding duration and weight status in a national sample of Australian children and adolescents.
A secondary analysis of the 2007 Australian National Children's Nutrition and Physical Activity Survey data involving 2066, males and females aged 9 to 16 years from all Australian states and territories. The effect of breastfeeding duration on weight status was estimated using multivariate logistic regression analysis.
Compared to those who were never breastfed, children breastfed for ≥6 months were significantly less likely to be overweight (adjusted odds ratio: 0.64, 95%CI: 0.45, 0.91) or obese (adjusted odds ratio: 0.51, 95%CI: 0.29, 0.90) in later childhood, after adjustment for maternal characteristics (age, education and ethnicity) and children's age, gender, mean energy intake, level of moderate and vigorous physical activity, screen time and sleep duration.
Breastfeeding for 6 or more months appears to be protective against later overweight and obesity in this population of Australian children. The beneficial short-term health outcomes of breastfeeding for the infant are well recognised and this study provides further observational evidence of a potential long-term health outcome and additional justification for the continued support and promotion of breastfeeding to six months and beyond.


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AKC limited registered lab puppies. 1 chocolate male, 4 yellow(Dudley) males and 1 female. Sire has 7 champions in his linage. Dam has jr and master hunters in her linage and has received the good canine citizen award. Puppies come with a 2 year hip/health...More info Email a friend
Sweet housebroken male poochon, 11 pounds. Up to date on all immunizations, neutered, dental cleaning. I am moving and unable to take adorable dog. Looking for a loving home with someone at home to keep the poochon company. He loves car rides and sitting...More info Email a friend


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13 CFR 134.311 - Oral hearings.
Oral hearings will not be held in appeals from NAICS code designations, and will be held in appeals from size determinations only upon a finding by the Judge of extraordinary circumstances. If such an oral hearing is ordered, the proceeding shall be conducted in accordance with those rules of subpart B of this part as the Judge deems appropriate.
[61 FR 2683, Jan. 29, 1996, as amended at 67 FR 47250, July 18, 2002]
Title 13 published on 2014-01-01
no entries appear in the Federal Register after this date.
Title 13 published on 2014-01-01
The following are ALL rules, proposed rules, and notices (chronologically) published in the Federal Register relating to 13 CFR 134 after this date.


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Technip:Combined Annual General Meeting of April 24, 2014 Summary Business Wire PARIS -- April 24, 2014 Regulatory News: Technip's (Paris:TEC) (ISIN:FR0000131708) (ADR:TKPPY) shareholders met today for the Group's 2014 Combined Annual General Meeting and approved the following decisions: - Technip's statutory and consolidated financial statements for the full year 2013, - allocation of 2013 earnings with a cash dividend of €1.85 per share to be paid on May7, 2014, - authorization for the Board of Directors to repurchase Company shares within a maximum limit of 8% of the share capital, - authorization for the Board of Directors to increase the share capital with and without preferential subscription rights, - authorization for the Board of Directors to allocate performance shares (up to a limit of 0.3% of the share capital) and to grant stock options for the purchase or subscription of shares (up to a limit of 0.5% of the share capital) to Technip's employees, the Chairman and Chief Executive Officer and the Group's principal executives, - authorization for the Board of Directors to increase the share capital, with a maximum limit of 1.5% of the share capital) in favor of employees of the Technip Group. The full results of the votes will be available on Technip's website www.technip.com in the coming days. ° ° ° Technip is a world leader in project management, engineering and construction for the energy industry. From the deepest Subsea oil & gas developments to the largest and most complex Offshore and Onshore infrastructures, our 40,000 people are constantly offering the best solutions and most innovative technologies to meet the world's energy challenges. Present in 48 countries, Technip has state-of-the-art industrial assets on all continents and operates a fleet of specialized vessels for pipeline installation and subsea construction. Technip shares are listed on the NYSE Euronext Paris exchange and traded in the USA on the OTCQX marketplace (OTCQX: TKPPY). Contact: Analyst and Investor Relations Kimberly Stewart Tel.: +33 (0)1 47 78 66 74 e-mail: firstname.lastname@example.com Michèle Schanté Tel.: +33 (0)1 47 78 67 32 e-mail: firstname.lastname@example.com or Public Relations Floriane Lassalle-Massip Tel.: +33 (0)1 47 78 32 79 e-mail: firstname.lastname@example.com Laure Montcel Tel.: +33 (0)1 49 01 87 81 e-mail: email@example.com or Technip's website http://www.technip.com Technip's IR website http://investors-en.technip.com Technip's mobile website http://investors.mobi-en.technip.com
Technip: Combined Annual General Meeting of April 24, 2014 Summary
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1. What kind of communities does Eliot Wigginton like?
(a) Communes.
(b) Suburbs of large cities.
(c) Small towns.
(d) Large cities.
2. At what school does Eliot Wigginton teach?
(a) Clayton County High School.
(b) Rabun Middle School.
(c) Rabun Gap-Nacoochee School.
(d) Princeton High School.
3. Who is the founder of the Foxfire organization?
(a) Eliot Wigginton.
(b) Cheever Meaders.
(c) Anna Tut.
(d) Jimmy Carter.
4. In what state does Eliot Wigginton live and work?
(a) West Virginia.
(b) Kentucky.
(c) Pennsylvania.
(d) Georgia.
5. What was the first "Foxfire" publishing project?
(a) A novel about frontier life.
(b) An online newsletter.
(c) A newspaper.
(d) Foxfire magazine.
6. What item does Eliot Wigginton not want to see on the menu of a diner in his community?
(a) Tofu.
(b) French fries.
(c) Chili.
(d) Hamburgers.
7. What is the name of the county seat of Eliot Wigginton's county?
(a) Marietta.
(b) Cynthiana.
(c) Rabun Gap.
(d) Clayton.
8. What is the population of the county seat?
(a) Two thousand.
(b) Five million.
(c) Five hundred.
(d) Ten thousand.
(read all 180 Multiple Choice Questions and Answers)
This section contains 4,753 words
(approx. 16 pages at 300 words per page)