text:
I have often heard it said that significant things happen in threes. I'm 90 percent sure it's coincidental, but the other 10 percent-well, not so sure. It's a Monday morning and I get a call from DSS Racing's Tom Naegele. Tom wants to know if I would like to put the latest iteration of its new line of small-block Chevy pistons through some kind of torture test. "Sure," I replied. "When I have a suitable block, I will give you a call." Later in the day I don't get one, but I do get three e-mails asking if the Zex perimeter feed plate nitrous system is any good. My response? "Don't know-haven't tried it yet."
Well, later in the day I call what is rapidly becoming my favorite core supplier, AAEQ. During my conversation with AAEQ's Eric Haugland about a late-model short-block for piston testing, the subject of porting its highly successful iron EQ23 heads crops up along with-you guessed it-its use with nitrous. Bingo-we have a plan for a street nitrous-injected 350 using DSS's new pistons, a Zex nitrous kit, and a set of ported EQ23 iron heads.
After talking to all parties concerned, we decided on a basic spec and targets to shoot for. First, this was to be an honest-to-goodness street motor, not something thinly disguised as such. How honest? A steady (no lope) idle of no more than 650 rpm, plus the ability to pull right off idle in high gear. It must be capable of decent mileage and have enough oomph to push a typical automatic-equipped 3,200-pound car on slicks under the 13-second barrier without the nitrous and into the 11s through the mufflers with the nitrous.
First, the heads. The results to date with the EQ23 heads have been stellar, to say the least. The heads looked like they were very porter friendly to the extent that even a first-timer could get results. From that you might mistakenly assume they must not be that good in terms of flow to start with if even a basic porting job bumps flow up significantly. Actually, it's the other way around. Because the port shape is so good, the out-of-the-box flow is hindered to a far greater extent by minor casting flaws than would be the case for a fundamentally poor port design.
As far as the cam and valvetrain are concerned, we decided to partially bias the cam spec toward serving the engine's needs when the nitrous is in operation. A cam favoring output when the nitrous is in use needs to be on a wider lobe centerline angle and be more advanced in the engine. This meant using a cam on a 110 LCA angle instead of the 108 known to be optimal for an engine of this spec but without nitrous. This cam would be installed 6 degrees advanced instead of 4. The earlier opening of the exhaust valve allows the cylinder much needed extra time to blow down before the piston reaches BDC. This extends the useful rpm range at the top end.
Along with this, the reduced overlap resulting from the wider LCA will allow the engine to idle more slowly and smoothly. That same reduction in overlap will also improve low-speed driveability about town. All the advantages of a nitrous-biased cam spec sound good, but there are some negatives in terms of reduced torque and hp while the nitrous isn't in operation. For us, a torque reduction of some 10-15 lb-ft can be expected along with about the same in top end power. When the nitrous is on, the useable high-end rpm is 300-500 more, and the power at this higher rpm is up to 30 hp more.


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I recently read about the importance of taking a K2 supplement when vegan-any information about this? Thanks
Are you sure you don't mean B12?
K2 is, variously, a very tall mountain; synthetic marijuana; or an herbal incense type mixture purported to give a feeling similar to marijuana
None of the above are necessary for a vegan lifestyle
Hmmmm-I read about it on vegan health.org, an article written by a RD....is this org not a reputable site?
had to look a bit further - there's the drug K2 and there's the vitamin K2 - which is part of the whole vitamin K family (k1, k2, etc.)
I don't know that it's essential to supplement, the way B12 is. I suppose if you are low in vitamin K, you'd need it, but I can't see any info in the general sites (the ones that are just info, not any particular viewpoint) that indicate it is necessary to supplement - it may help in some cases (they indicate cardiovascular and bone health for example) but it is not something that will cause serious problems if you don't supplement, as B12 can.
VeganHealth.org is reputable. And on this subject, note it opens with the following statement, "The scientific consensus has been that either of the two types of vitamin K are adequate, especially regarding vitamin K's blood clotting activity."
There is no dietary recommendation for K1 vs. K2. Vitamin K, though, is essential and important but a difficult nutrient to avoid in a healthful diet.
Susan Levin, MS, RDPCRM Director of Nutrition Education
I think Susan's just being polite here. Most people I know in this movement think the veganhealth guys are shady as all living sheed. I even recall Jeff Nelson tearing them to shreds on VegSource a couple of years ago.
That K2 article is a case in point. On the one hand they refuse to promote Dr Campbell's China Project on the grounds that it didn't study actual vegans. On the other hand they're perfectly happy to promote those K2 studies despite the fact that those studies didn't look at actual vegans any more than the China Project did.
It's the same as when they discount the positive findings from various plant-based doctors' clinical practices on the grounds that those findings are only anecdotal, but they're more than happy to promote Dr Fuhrman's anecdotes about some of his vegan patients getting ill from DHA deficiency.
If you read through it thoroughly you'll find that their website is a schmorgasboard of double standards which, uncannily enough, always seem to work in favour of supplements.
Wash your back
theodore wrote:
And/or junk food.
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PCRM Physicians Committee for Responsible Medicine
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Phone: 202-686-2210 | E-mail: firstname.lastname@example.com

subset: commoncrawl


text:
Air & Climate Companies in Central African Republic
Vista Data Vision
based in Reykjavik, ICELAND
Vista Data Vision is a complete package to handle logged data. Use our professional database applications to store logged data, display and publish it to the Web. Vista Data Vision analysis software allows you to import your text based data into a database. Numerous built in reports allow you to quickly analyze your data. Built in reports include: XY-Graph, Histogram, ...
Photonics Technology Obninsk, Ltd
based in Obninsk, RUSSIA
Photonics Technology Obninsk is a private company founded by a group of Russian scientists and engineers with extensive experience in atmospheric optics research, laser sounding of the atmosphere, optical and laser instruments design and implementation. Our company profile is design and implementation of commercial instruments for air pollution monitoring in cities and ...
Bilfinger Water Technologies GmbH
based in Aarbergen, GERMANY
Bilfinger Water Technologies is specialized in solid-liquid separation technology with filter presses. The core business of the company is the manufacturing of filtration plants for slurry dewatering and purification sludges. The wide range of filter presses that Bilfinger produces finds application in many sectors: Municipality, Mining, Chemical, Metallurgical, ...
EKO Instruments Co. Ltd.
based in San Jose, CALIFORNIA (USA)
Since 1927 EKO has employed its latest technologies to develop meteorological instruments, physical analyzers and other high quality equipment to cover a wide range of the requirements of both science and industry. Meteorological instruments include pyranometers, sunshine duration meter, sun tracker, UV radiometer, and our new grating-based portable spectroradiometer. ...
Envirtech Subsea Systems S.r.l.
based in Via Patrioti, ITALY
We are a private, European, company based in Italy since year 2009 to manufacture, deploy and maintain data acquisition networks on sea surface and sea bottom. We also provide engineering, projects, systems, ideas, information, software and solutions for global environmental problems. As global technological partner we assist large companies and Governments to develop the ...
based in Montmeló ( Barcelona ), SPAIN
Pneumatic actuator manufacturer and specialists in fluid control automation.
Natural Environmental Systems, LLC
based in Carrollton, TEXAS (USA)
Natural Environmental Systems, llc is a global supplier of natural microbial products and other ecologically friendly solutions used in a wide array of commercial, industrial, agricultural and residential applications, providing a biological alternative to hazardous chemicals and caustic solvents. Our microbial products utilize naturally occurring non-pathogenic ...
Global Technologies, Inc.
based in New Bedford, MASSACHUSETTS (USA)
GLOBAL TECHNOLOGIES, located in Southern New England, is a family owned business and has been in operation for more than 10 years. Our products have been designed to provide effective solutions for our customers. Whether the problem is grease or sludge buildup or odors, Global Technologies has the answer. Global Technologies` products are versatile, environmentally safe, ...
Georg Fischer Signet LLC
based in El Monte, CALIFORNIA (USA)
Georg Fischer Signet not only prides itself on delivering sophisticated, advanced flow and analytical technology, but we are also proud to offer easy-to-use instrumentation, ensuring simple installation and minimal maintenance.
The Technical University of Crete (TUC)
based in Chania, GREECE
The purpose of the institution is to conduct research, to provide under-graduate and graduate educational programs in modern engineering fields as well as to develop links with the Greek industry. The Department of Environmental Engineering is the youngest depart-ment of the Technical University of Crete. It started its activities in the fall of 1997. It is located in a ...


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Dotsie wrote:Which was the UA one? Can't remember it. Have to read that one again.
Dotsie wrote:poohcarrot wrote:"If there is any kind of supreme being (I told myself), it is up to all of us to become his moral superior."
I noticed this too (not surprisingly). Loved it! I will in fact use it at the first opportunity.


text:
Three federal departments enforce the export control regulations: the Department of Commerce through the Export Administration Regulations (EAR), which govern the export of dual use items and their technology (i.e., items that have both commercial and military applications, such as computers or pathogens); the Department of State through the International Traffic in Arms Regulations (ITAR), which apply to munitions, or defense articles and services; and the Treasury Department through its Office of Foreign Assets Control (OFAC), which oversees trade sanctions, embargoes and travel restrictions. A license must be obtained from the relevant agency prior to the export of any covered equipment, materials, technology, software, or information.
From the Provost
A letter from the Provost regarding export control regulations.
Summary of Export Control Regulations
Summary of Export Control Regulations as they apply to NYU.
Export Control Checklist
A checklist to help you determine whether your Export Control Regulations apply to your project.
Substantive Information
Export Administration Regulations
Office of Foreign Assets Control (OFAC)
Regulatory Offices


text:
Moses Basket Stand
Our Moses basket stand features a curved base that allows for gentle rocking.
- Made of hardwood
- Imported
- Antique oak finish
- For babies up to approximately 15 lbs. (or until baby can push or roll over unassisted)
- Basket not included
- Adult assembly required
- See more information for product safety details
Moses Basket Stand
- 31"L x 15"W x 23"H


text:
"The End Of The Road" Blog: Day 5
A brush with the police and some major paddle battles.
I spent the first half of the day in the channel hopping from boat to boat. It wasn't the Tahiti you see in postcards, either. There was a blustery wind mingling with steady rain and the odd ten-footer that kept contestants on edge and the Tahitian Water Patrol busy. Sitting on the media boat where the surfers go after their heat, it's an experience you don't get at any other contest. For instance, where else would you be sitting there, turn around, and Joel Parkinson is handing you three of his surfboards. You can imagine the ease in which I set those into the boat—God forbid I'm the idiot who breaks the fin off his magic 6'6".
Here are a few observations from right in the thick of it…
-Jadson Andre As a rainsquall rounded the corner of Tahiti Iti and a ten-foot set thundered through the channel, Brazil's Jadson Andre only halfway joked to Luke Egan, "Luke! Call a lay day, Luke!" While I'm not sure why he was asking Luke Egan (who's the former contest director) Jadson's prayers were answered and he was granted a ten-minute stay of execution when the comp went on hold for a bit.
-Ricardo Dos Santos I'm staying at the same house as the Brazilian trials winner and not for one second did I doubt that he was going to beat Taj Burrow out there today. He charges like a madman, has contest smarts, and has much more experience at Teahupo'o than Taj Burrow. He'll surf against Kelly Slater in round three, which figures to be a way tougher task than Taj. Ricardo told me that he and Taj were chatting during the heat, "I'm not paddling for the bombs," he said to Taj. "You can have 'em!" Taj wanted no part of the big ones either, "So heavy mate, no way!" In a heat like that you're almost looking out for the other guy as opposed to wanting to rip his throat out, like, at say, the US Open.
-Simpo over Parko The upset of the day occurred when Brett Simpson took down Joel Parkinson who is currently ranked #1 in the world. "You can't listen to the crowd when you're out there," said Simpo of his strategy. "They're just looking for people to eat shit." To his credit, Parko took off on one of the biggest and thickest waves of the day, just made the drop, then pulled into a monster barrel, just getting clipped at the end. "That would've been an 11 if he made it!" exclaimed Josh Kerr. While Parko is obviously unhappy with the result, he didn't smash his board up or splash water all over the place. He simply conferred with his coach (Luke Egan), did an interview, and shook Simpo's hand. For Simpo it was a huge win and confidence builder as he fights for his spot on the World Tour.
-I went in at about noon, had a feed, then paddled my trusty kayak from the house to the scaffolding, which is about a mile away. Dragging the small anchor (idiot!) and battling the wind and current, it took about 45 minutes to get there. Freddy P. saw me struggling and instead of offering a tow, remarked, "Brah, looks pretty nuts paddling against the wind!"
-I made it to the scaffolding and kept paddling the yakker right up to the edge of the reef. The contest announcer yelled at me in French. I made a "Je ne parle pas français" gesture and watched my Jadson Andre somehow advance past Pat Gudauskas with a pair of 3's. The guy on the mic then warned me in English that the waves were big and I could get taken out at a moments notice. Instead of saying, "No shit Sherlock" in French I stroked into a little reform and kayaked back toward the pass.
-I was nearly to the flotilla of boats when the gendarmerie (police) motored up to my little yakker and started babbling in French. It was something about the channel being closed to those who chose to go green and paddle out on canoes, kayaks, and surfboards. Thwarted, I paddled back in and hung out with my buddy "Papara Steve" on shore and had a beer while watching the contest from ½ mile away. It's a funny thing being here for the contest—you can't just post up and watch it. You gotta have your own boat or weasel your way onto the scaffolding. You're probably sick of reading about how tough it is here in Tahiti (and I'm starting to ramble) so without further adieu, see the press release from the ASP below…—Justin Coté
TAGS: Adam D'Esposito, ASP World Tour, Billabong, Billabong Pro Tahiti, Bruce Irons, Cory Lopez, dusty payne, Josh Kerr, Kamalei Alexander, shark attack, Tahiti, teahupoo


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Training >> Browse Articles >> Miscellaneous
PoliceLink's Law Enforcement Tattoo Showcase
Training >> Browse Articles >> Miscellaneous
almost 2 years ago
4 Comments
Unless you get everyone on board, you won't have diversity in the workplace. You can't encourage tolerance by forcing your employees to accept people from different backgrounds. But by surrounding them with positive messages about diversity, you can make them understand why it's important to embrace other cultures. I read that DUI attorney Oakland were dealing with tattoos related trials.
almost 2 years ago
10 Comments
Funnily enough I saw a policeman at the bankruptcy attorney Omaha trial, with tattoos the other day and felt quite shocked by it. I felt that he should not have had his sleeves rolled up exposing his tattoo as his whole arm was tattooed down to his wrist very similar to the picture shown, however if it had been just one small tattoo on his arm I probably wouldn't have batted an eyelid.
almost 3 years ago
2 Comments
How is a tattoo "unprofessional"? You are just as bad as that couple on the elevator who gave dirty looks to and scooted as far back away from the bearded tattooed man because he looked scary? Really because of tattoos? Little did they know there were never more safe than they were at that very moment standing with a police officer who had previously taken two bullets to save the life of two officers. Yea he worked dope but sometimes our appearance is the nature of the beast. To call him or anyone else unprofessional because he has tattoos is closed minded and quite frankly ignorant. Maybe I think wearing two western style belts and blue jeans trying to bring back the days of Wyatt Earp while on the job is unprofessional. Just saying lets be real guys we do a job that is like no other. Some of us love every day of it. Some of us have found ways we express ourselves, deal with the hurt, the loss. Lets not judge each other on appearance but rather help each other hold that line we so proudly walk day in and day out!
almost 4 years ago
66 Comments
I hate to see fellow officers get inked-up just as much as I do new narcotics officers get earrings or worse. All of it is unprofessional if visible to the public and takes away something from the bearing of the officer.
almost 4 years ago
5012 Comments
Some nice ink for sure, my favorites are # 2 and 11 and I'm not at all offended by ink, unless it's offensive.
neck tattoos some how have a different flavor, not preferred..... A great tattoo with meaning, oh yeah I want to see it and know the story behind it, I have plenty of ink myself and it all has deep meaning.
about 4 years ago
3398 Comments
When I need to call a LEO for help, the first thing that doesn't spring to mind is "jeez, I wonder if he/she has tattoos?". I have no issues with tattoos as long as they aren't offensive.
about 4 years ago
1552 Comments
Sorry, but my tattoos are for me, not for other people. I don't really care about other people's tattoos, and I don't really care if people want to see or like mine.
about 4 years ago
Awww I didn't get on this showcase? I have over ten tattoos :(
about 4 years ago
744 Comments
While in the academy back in '69 we had a Lt. who instructed a course connecting criminals and tattoos. With the way society has fallen apart in the last forty years it's understandable that police now take up tattoos.
about 4 years ago
482 Comments
I have no problem with the Tattoos, I have one myself in memory of the Gulf War. It gives me a sense of accomplishment knowing I participated and survived an important event in my life. However, I think in representing Law Enforcement, its better to keep them covered. Nothing Wrong with Tattoos, plan to get another one day, but it will be hidden.
But the artwork is beautiful and so is the sentiment and I respect your right to express that..Just a personal choice on my part
Don't like them, trying to talk my son out of one now..My department never used to allow visible tattoos but they gave up on that with the recent surge..
about 4 years ago
40 Comments
These are awesome. I love the K9 and St. Michael ones.
about 4 years ago
264 Comments
I started a group "Cop Ink" with this very idea in mind. WAY TO GO POLICELINK!
about 4 years ago
96 Comments
Great tat love it


text:
I've always been a supporter of face Miz.
I haven't been behind the Miz until he showed us what he could do with Punk.
I'm not convinced yet. He still needs some more tweaking.
There's absolutely no way face Miz will EVER work no matter what they do with him.
''Ricardo Rodriguez is the best character on WWE TV.''
Want to join EWN's original e-fed? Join EWNCW NOW!Want details? Just ask me!
I'm jus sayin...


text:
Student Loaner Laptops
Laptops are available for students to check out in the Library and Campus Center. These are available for 2-hour periods and connect to the Internet wirelessly in the Library, Campus Center, and East Wing computer lab. The laptops are also capable of printing to one of the pay-to-print stations in the lower level of the Library or lower level of the Campus Center.
Please read the laptop checkout policy. The laptop agreement form must be completed and turned into the Library prior to the first loan of a laptop and only needs to be completed once.
The wireless network in the Campus Center, Library, Fine Arts, Conference Center and East Wing computer lab is available for student and staff personal laptops. Please refer to the instructions for more details.
Faculty Loaner Laptops
Please follow the links below to determine if you would like to APPLY for a laptop to replace your desktop. Application does NOT guarantee that a laptop will be assigned to you. Begin by reviewing the laptop checklist for determining if you really want a laptop.


text:
- Products
- Debt & Credit Repair
- Solve Your Money Troubles
Solve Your Money Troubles
Debt, Credit & Bankruptcy
Solve Your Money Troubles
Debt, Credit & Bankruptcy
Margaret Reiter, Attorney and Robin Leonard, J.D.
July 2013, 14th Edition
Take charge of your debt and get a fresh financial start
Feeling overwhelmed by your debts? Here is the detailed legal and practical information you need to get back on your feet and make a fresh start. Whether you are over your head in debt, or are being hounded for debts you don't believe you owe, this book is the tool you need to regain your financial sanity. Find out how to:
- stop collector harassment
- negotiate with creditors to reduce debts
- prioritize your debts
- challenge wage garnishments
- contend with repossessions
- respond if you get sued
- obtain and correct your credit file
- decide if bankruptcy is right for you
- get government help to avoid foreclosure
- create a budget you can live with
This new edition of Solve Your Money Troubles is completely updated and includes sample letters to creditors, state-specific legal information, and worksheets that will help you create a repayment plan.
"This book is a must-have, even for people who don't have debt problems."
-Los Angeles Times
"One of the best books you can buy on all aspects of personal debt."
-Michael Pellecchia, Nationally Syndicated Columnist
"This book will give you strength and the skills needed to respond to bill collectors and to rebuild your credit…."
-New Orleans Times-Picayune
Worksheets and Forms
- Worksheet 1: Monthly Income
- Worksheet 2: Your Debts
- Worksheet 3: Property Checklist
- Worksheet 4: Property Exemptions
- Worksheet 5: Daily Expenses
- Worksheet 6: Monthly Budget
Margaret Reiter
Attorney Margaret Reiter was a consumer investigator with the Los Angeles County Consumer Affairs Department for four years and worked for 20 years as a consumer prosecutor with the California Attorney General's Consumer Law Section. She has investigated or prosecuted businesses engaged in consumer fraud including foreclosure "consultants," mortgage lenders, debt settlement companies, vocational schools, living trust mill/annuity sellers, prepaid phone card companies, and tax refund anticipation loan providers. She has drafted consumer protection legislation, advocated for stronger consumer protection before regulatory agencies, trained other prosecutors and investigators, and prepared consumer alerts and spoken to the public on Truth-in-Lending, telephone slamming and cramming, truth in phone billing, bankruptcy, and vocational schools, among other consumer topics.
Robin Leonard
Robin Leonard is a former attorney who gave up the law to become a rabbi. She is the author of many Nolo books including Solve Your Money Troubles: Debt, Credit & Bankruptcy and Credit Repair. She also helped write How to File for Chapter 7 Bankruptcy and A Legal Guide for Lesbian and Gay Couples.
Table of Contents
Your Legal Companion to Solving Your Money Troubles 1
Chapter 1
How Much Do You Owe? 3
How Much Do You Earn? 5
How Much Do You Owe? 5
Chapter 2
If You're Married, Divorced, or Separated 9
Community Property States 11
Common Law States 14
Chapter 3
Debts You May Not Owe 19
You Are the Victim of Misrepresentation or Other Fraud 20
The Seller Breached a Warranty 23
Your Car Is a Lemon 26
Home Mortgage Contracts 28
You Canceled a Contract 28
You Received Goods You Didn't Order 32
Canceling Automatic Deduction Payments 33
Chapter 4
Prioritizing Your Debts 35
Secured and Unsecured Debts 36
High-Priority Debts 38
Medium-Priority Debts 40
Low-Priority Debts 42
Review Your Worksheets 43
Chapter 5
Finding Money to Pay Your Debts 45
Cut Your Expenses 46
Increase Your Income 50
Get Some of Your Tax Refund Early 50
Get Your Tax Refund Fast 51
Sell a Major Asset 51
Sell Smaller Items 52
Withdraw Money From a Tax-Deferred Account 53
Apply for Government and Agency Help 54
Consider a Home Equity Loan 58
Use the Equity in Your Home If You Are 62 or Older 61
Borrow the Money 64
What to Avoid When You Need Money 65
Avoid Bank and Credit Union Prepaid Cards With Advances 70
Chapter 6
Negotiating With Your Creditors 73
Prepare a Negotiating Plan 75
Communicate With Your Creditors 75
Tips for Negotiating With Creditors 78
Rent Payments 79
Mortgage Payments 80
Utility and Telephone Bills 82
Car Payments 83
Secured Loan Payments 85
Insurance Payments 85
Medical, Legal, and Other Service Bills 87
Child Support and Alimony Payments 88
Income Taxes 88
Student Loan Payments 89
Credit Card Payments 89
Negotiating When the Creditor Has a Judgment Against You 92
Pay Off a Debt for Less Than the Full Amount 92
Don't Write Postdated Checks 96
Beware of the IRS If You Settle a Debt 97
Chapter 7
What to Expect When You Can't Pay Your Debts 101
Eviction 102
Repossession 103
Tying Up Property Before a Lawsuit 110
Lawsuits 112
Lawsuits Against Third Parties Who Hold Your Assets 112
Liens on Your Property 113
Jail 114
Bank Setoff 115
Intercepting Your Tax Refund 115
Loss of Insurance Coverage 116
Loss of Utility Service 116
Chapter 8
Reducing Mortgage Payments and Dealing With Foreclosure 119
Foreclosure 120
Nonjudicial Foreclosure 121
Judicial Foreclosures 122
Right to Cure Default 122
Right of Redemption 122
The Sale 124
Defenses to Foreclosure 125
Watch Out for Deficiency Balances 126
Alternatives to Foreclosure 126
Short-Term Informal Payment Plans 128
Federal Programs for Homeowners Facing Possible Foreclosure 129
Mortgage Workouts 133
Refinancing 135
Selling Your House 137
Short Sales and Deeds in Lieu of Foreclosure 137
Other Programs to Help Homeowners 140
Chapter 9
Dealing With Debt Collectors 141
Creditor or Debt Collector? 142
Negotiating Secured Debts 144
Before Your Debt Is Sent to a Debt Collector 144
When Your Debt Is Sent to a Debt Collector 145
Illegal Debt Collection Practices 157
How to Fight Back If a Debt Collector Violates the Law 160
Chapter 10
Choosing and Managing Credit Cards 165
Avoiding Credit Card Traps 167
Consumer Credit Card Rights 167
Use Credit Card Disclosure Forms to Identify Traps 167
Trouble Paying Your Bill 175
Should You Get Rid of Unnecessary Credit Cards? 175
How to Close a Credit Card Account 177
Shopping for a New Card 178
Using Credit Cards Wisely 179
Cards You Didn't Request 181
Rejected and Blocked Cards 181
Liability If Your Credit Card Is Lost or Stolen 182
Unauthorized Use of Your Card by an Acquaintance 184
To Dispute a Credit Card Bill 185
Debit Cards 190
Prepaid Cards 191
Chapter 11
Understanding Loan and Other Credit Documents 193
Credit Disclosures 194
Common Terms in Credit Agreements 195
Chapter 12
Student Loans 205
What Kind of Loan Do You Have? 207
Figuring Out Who Holds Your Student Loan 209
Canceling Your Loan 209
Postponing Payments 212
Changing Your Repayment Plan 214
Getting Out of Default 219
Filing for Bankruptcy When You Can't Pay 220
Consequences of Ignoring Student Loan Debt 221
Where to Go for Help 222
Private Student Loans 222
Chapter 13
Child Support and Alimony 225
How Child Support Is Determined 226
Modifying the Amount of Child Support 228
If Paternity Is Disputed 232
Enforcement of Child Support Obligations 232
Alimony 240
Bankruptcy and Child Support or Alimony Debt 240
Taxes, Child Support, and Alimony 241
Chapter 14
If You Are Sued 243
How a Lawsuit Begins 245
Negotiate 248
Alternative Dispute Resolution 251
Defenses and Claims 254
What to Expect While the Case Is in Court 259
When the Creditor Gets a Judgment Against You 261
Stopping Judgment Collection Efforts 272
Chapter 15
Bankruptcy: The Ultimate Weapon 275
Chapter 7 Bankruptcy 276
Chapter 13 Bankruptcy 277
The Automatic Stay 278
Bankruptcy Exemptions 279
Will Bankruptcy Solve Your Debt Problems? 280
Getting Help With Bankruptcy 282
Chapter 16
Property Creditors Can't Take 285
Property Subject to Collection 286
Types of Exemptions 291
Is Your Property Exempt? 292
Claiming Exemptions 299
Chapter 17
Rebuilding Your Credit 301
Avoid Overspending 302
Understand Credit Scores and Credit Reports 307
Clean Up Your Credit Report 310
Your Credit Score 317
Rebuilding Credit Without Getting New Credit 320
Rebuilding Credit by Getting New Credit 323
Avoid Credit Repair Organizations 327
Chapter 18
Help Beyond This Book 329
Looking Up the Law 330
Lawyers 336
Debt and Credit Counseling Agencies 341
Glossary 347
Where to Complain 351
Contact Information for Useful Agencies, Organizations,
and Other Entities 355
Worksheets 359
Worksheet 1: Monthly Income 360
Worksheet 2: Your Debts 361
Worksheet 3: Property Checklist 364
Worksheet 4: Property Exemptions 368
Worksheet 5: Daily Expenses 374
Worksheet 6: Monthly Budget 376
Index 379
Sample Letters and Forms
Sample Letters Dealing With Fraud, Warranties, and Unordered Goods
Sample Letter Asking for Refund Because of Misrepresentation or Fraud 22
Sample Letter to Stop Paying After Failure to Repair on Warranty 25
Sample Letter to Landlord
Sample Letter to Landlord 80
Sample Letters to Creditors or Debt Collectors (Negotiation or Debt Settlement)
Sample Letter to Creditors 76
Sample Letter to Creditor Confirming Agreement to Reduce
Payments Temporarily 77
Sample Letter Offering to Give Back Secured Property
in Exchange for a Written Agreement Waiving Deficiency 86
Sample Letter: Cashing Check Constitutes Payment in Full on
Disputed Amount (Outside of California) 93
Sample Letter: Cashing Check Constitutes Payment in Full on
Disputed AmountÑFirst Letter (California) 94
Sample Letter: Cashing Check Constitutes Payment in Full on
Disputed AmountÑSecond Letter (California) 95
Sample Letter: Cashing Check Constitutes a Release of All Claims
When You Send Check for Less Than Full Amount Owed 96
Sample Letter to Creditor or Debt Collector to Make Lump Sum
Payment If Negative Information Removed from Credit Report 156
Sample Letters Regarding Debt Collection
Sample Letter to Collection Agency Requesting Verification of Debt 149
Sample Letter to Collection Agency to Tell It to Cease Contacting You 151
Sample Letter to Creditor or Debt Collector to Make Lump Sum
Payment If Negative Information Removed from Credit Report 156
Sample Letter to Creditor About Debt CollectorÕs Improper Collection Tactics 162
Sample Letters to Credit Card Issuers
Sample Letter Confirming Telephone Notice of Lost or Stolen Card 184
Sample Letter to Notify of Credit Card Billing Error 186
Sample Letter Raising Claim to Credit Card Bill 189
Sample Letters and Court Documents Dealing With Lawsuits
Sample Settlement Agreement or Release 249
Sample Letter to Creditor Requesting Mediation 253
Chapter 1
How Much Do You Owe?
How Much Do You Earn?.................................................................... 5
How Much Do You Owe?.................................................................... 5
"There can be no freedom or beauty about a home life that depends on borrowing and debt."
—Henrik Ibsen, Norwegian poet
and dramatist, 1828–1906
To successfully plan your strategies with your creditors, you need to come to terms with your total amount of debt. This may make you shudder.
But happily, most credit counselors will tell you that people tend to overestimate their debt burdens.
To figure out your financial situation, you need to compare what you bring in each month with what you owe on your monthly expenses (such as food, housing, and utilities) and your other debts (for example, student loan payments).
Having a ballpark idea of the amount of your income and debt burden is not enough to tackle your debt problem. Getting precise numbers is a crucial part of the process—don't skip it. In addition to laying out how much you earn and owe, this process will help you prioritize your debts, which will then help you decide which strategies to use to solve your money troubles.
To figure out how much you earn and how much you owe (both in monthly payments and overall), follow the instructions on the next pages and use the worksheets in Appendix D. If you are married or have jointly incurred most of your debts with someone, fill out the worksheets together.
Warning Signs of Debt Trouble
If you have panic attacks when you try to figure out your total debt burden, you'll feel better if you skip this chapter and come back to it when you are better able to confront the information. Before doing that, however, ask yourself the following questions. If you answer "yes" to any one of them, you are probably in or headed for serious debt trouble:
• Are your credit cards charged to the maximum?
• Do you use one credit card to pay another?
• Are you making only minimum payments on your credit cards while continuing to incur charges?
• Do you skip paying certain bills each month?
• Have creditors closed any accounts on you?
• Have you taken out a debt consolidation loan? Are you considering doing so?
• Have you borrowed money or used your credit cards to pay for groceries, utilities, or other necessities (for reasons other than convenience or to get perks on a credit card)?
• Have you bounced any checks?
• Are collection agencies calling and writing you?
How Much Do You Earn?
Start by figuring out how much you earn each month. Grab a calculator, your pay stubs, and complete Worksheet 1 in Appendix D, by entering your monthly income from each listed source. If you are paid more often than monthly, see the instructions in Worksheet 1 to convert your pay to a monthly amount. If you have income that doesn't fit into one of these categories, list it as "other."
How Much Do You Owe?
In Worksheet 2 in Appendix D, you list your debts. Gather the documents that show payments on all your debts, the total amount owed on each debt, and any amount past due, including any interest or fees that have been added. Be as thorough and complete as possible. The completed Worksheet 2 will tell you exactly how much you should be paying each month (to be current on your debts) and how far behind you are. Here's how to fill it out.
Column 1: Debts and other monthly living expenses. In Column 1, enter the type of debt. Don't enter a debt more than once. So, for example, if you already deducted from your income in Worksheet 1 a debt that is paid out of your paycheck, such as child support, don't deduct that same debt again here.
If you are married, you may not be certain which debts are yours and which belong to your spouse. If your marriage is intact and you're having mutual financial problems, approach your debt problems as a team. That is, enter all your debts in Column 1. If, however, you are separated or recently divorced, or are married but having financial problems of your own, see Chapter 2 for help on figuring out the debts for which you are obligated. If you generally share expenses and maintain a household with someone else, consider combining your income and paying all of your debts with joint funds, regardless of who actually incurred the debt. Enter both partners' debts in Column 1.
Column 2: Outstanding balance. In Column 2, enter the entire outstanding balance on the debt. For example, if you borrowed $150,000 for a mortgage and still owe $125,000, enter $125,000. If you don't want to contact the creditor until you are ready to negotiate (and that will only be after you've determined how much you can pay), you have a few options. Your latest account statement might list the entire outstanding balance. If not, the creditor's automated telephone system or online account information might provide the information you need. If you can't get the balance and you prefer not to talk to the creditor, use your best guess for now.
Columns 3 and 4: Monthly payment and total you are behind. In Columns 3 and 4, enter the amount you currently owe on the debt. If the lender has not established set monthly payments—for example, for a doctor's bill—enter the entire amount of the debt in Column 4 and leave Column 3 blank. If the debt is one for which you make regular monthly payments—such as your car loan or mortgage—enter the amount of the monthly payment in Column 3 and the full amount you are behind (monthly payment multiplied by the number of missed months, plus any fees or charges that have been added, like over-limit fees or late payment charges) in Column 4.
For credit card, department store, and similar debts, enter the monthly minimum payment in Column 3 and your entire balance in Column 4. But keep in mind that eventually you should make more than the minimum payment on your credit cards. (Chapter 10 discusses the danger of making only minimum payments each month.)
Column 5: Is the debt secured? In Column 5, indicate whether the debt is secured or unsecured. A secured debt is one for which a specific item of property (called "collateral") guarantees payment. The most common type of secured debt occurs when you sign a credit agreement (sometimes called a security agreement) that allows the creditor to take a particular item of property under certain specified conditions—without suing you first. Examples of conditions that might allow the creditor to take your property include your failure to make a payment, your failure to maintain insurance on the property, or your failure to comply with the payment agreement in some other way. Typically you sign a credit agreement, giving the creditor a security interest in your property when you finance a car purchase; get a mortgage; get a second, third, or additional loan on your home; or buy an appliance or piece of furniture with store credit.
A creditor may also be able to secure its debt without your agreement by filing a lien against your property. This can happen in two circumstances. First, the creditor can file a lien if the law specifically allows for it. An example is a mechanic's lien—the law specifically states that a worker or material supplier may file a lien against your real property if you or the contractor fail to pay them. Second, a creditor can file a lien against your property if it has sued you and obtained a judgment against you. This is called a judgment lien.
Unsecured debts are typically bank credit card debt; bills owed for utilities, medical, or legal services; student loans; and spousal or child support.
Secured property is usually something very important, like your car or house. Because it can be taken quickly, without the delay of a lawsuit, secured debts are usually a high priority for you to pay.
Specify the collateral the creditor is entitled to grab if you default. (After you have read more about whether a debt is secured or not in Chapter 4, you can come back and review Column 5 to see if you need to make any changes.)
Column 6: What priority is the debt? Leave Column 6 blank until you read Chapter 4. It will help you prioritize the debts.
Add it up. When you've entered all your debts in the worksheet, total up Columns 2, 3, and 4. Column 2 represents the total balance of all your debts, even though some of it may not be due now; Column 3 represents the amount you are obligated to pay each month; and Column 4 shows the amount you would have to come up with to get current on all your debts.
Related topic
Don't forget your other expenses. None of us have monthly expenses consisting entirely of loan or credit payments. We also have to pay rent and buy groceries, pay for movies and restaurants, buy clothing and household goods, and so on. These other expenses are covered in Chapter 17. Now might be a good time to review the information in Chapter 17's "Figure Out Where Your Money Goes." By listing your non-debt-payment expenditures, you will get a more complete picture of your finances.
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Posted 30 November 2012 - 23:34
Posted 30 November 2012 - 23:39
Posted 30 November 2012 - 23:47
In a society with an insane amount of homophobia this was a pretty tasteless move.
The two guys should have started necking.
Posted 02 December 2012 - 18:14
Oh no...we're so insecure in our masculinity that we can't hold hands...
Posted 02 December 2012 - 18:20
that wouldnt be a problem for me ... but to be forced to do this is just wrong and IS against human rights (in my country it is anyway) you dont have to be insecure about holding a dudes hand to be embarrassed by it...
Posted 02 December 2012 - 18:23
Oh really? Name a single other reason to be embarrassed...
Posted 02 December 2012 - 18:35
all the people staring at them .... while they sit in the middle of them the big circle of people ... on school chairs .... not being funny but I hate being stared at ... and I hate people taking my photo .... I find it degrading like im some kind of circus chimp .... people may have been picking on them for them holding hands but does not mean those two are embarressed about holding hands just the absurd amount of attention ....
its not what you do its how others treat you for it.
Posted 02 December 2012 - 18:58
I find it humorous that in your attempt to prove me wrong your post points out why I am right.
Just sitting in two chairs wouldn't have led to a crowd. It was the holding of hands that caused the issue. The fact that it embarrassed them allowed the crowd to exploit that discomfort.
If they hadn't cared about their own personal image the crowd wouldn't have had anything to thrive in.
As I said insecurity...
Posted 02 December 2012 - 19:16
Mesa district: Punishment of holding hands violated policy
Mesa Public Schools officials say a punishment administered by a new principal at Westwood High School this week violates district policy.
"Mesa Public Schools is dedicated to maintaining a safe and supportive learning environment. The district has guidelines for appropriate student discipline, and our site administrators have the authority to impose consequences within our policies and regulations. The district does not condone the choice of in-school discipline given these students, regardless of their acceptance or willingness to participate. District leadership will address this matter with the school principal, and review district protocol regarding student discipline with all administrators."


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I'll battle you flygon, and if you want to Ysm i can battle today.
I'll battle you flygon, and if you want to Ysm i can battle today.
You can just ask them ... no need to come to me XD the battling and trading and breeding community are open, and open to discussion! Also other things I havent mentioned i guess. shinies er something. nyway, we gotta get those battles in soon. wenever u can eon.
Hey Zone! PM me when your ready!
My 3DS FC is 2964-8767-0282 PM me if you add me!
Visit Me and Chapter of Charizards gaming blog. Fans are always appreciated and welcomed. Feel free to comment!
Although some of the members aren't as active as others. More people is better than none right? I'm sure they will get on more often when things pick up :] . YSmr we can't do wifi? I hate PO, it doesn't have the love and touch of wifi lol. I'm going to leave my PO on so you can fight me whenever you see this message.
Metal Sonic, Do you know what hyper offensive is? If Anyone knows can you give me a little summary?
It's mostly known as setting up hazards as quickly as possible, sending in various sweepers, and overpowering the enemy through sheer force via set-up sweeping or otherwise. No counter-switches need to be made usually cause you're simply blasting through teams and whittling would-be counters slowly via hazard damage and stuff. It is tho, easy to counter itself, and even easier to make imo for any competent player! I mean, I hardly battle but when I do im usually not losing to any hyper offense team. ^^ Personally, I never make any hyperly offensive teams cause their all blehh to me, but you can try one out if you want! Don't get the wrong idea.
They're still pretty damn deadly just so long as you manage to get that ONE turn right and the opponents gets theirs wrong. That's what makes them so cool.
Last edited by MetalSonic; 6th February 2013 at 11:01 PM.
sorry zone!!!! i didn't see you wanted to battle me until today.
Credit to Chapter of Charizard for the awesome pic!
ysmr97, and zone, u guys are up!
EDIT: By default, ysmr will advance by random selection (by me and a hat) if you two do not battle by tomorrow night. then, ysmr must battle flygon. Again, 4 EST Time is the deadline.
B/c there was no battle, ysmr97 continues. Good luck in the semis, ysmr and flygonlj. in another selection (random) with no battle flygon will continue. all battles are due tomorrow, 5:00, EST time.
Last edited by Chapter; 9th February 2013 at 10:23 PM.
Ok guys so someone from elemental strike asked me if we'd like to war them.
Can we? Are you guys ready for our first war? I didn't accept or reject yet, wanted to get your opinions.
And also if you want it on PO,PS, or wifi.
Remember to let me know!
I'm ready if it's on PS. Though, how many members are actually needed for this war? Five, right? Eon, since you're the WarCap't, I guess you can decide if you think we're ready. Tell them that it's a definite probably. LOLOriginally Posted by EonDragonFTW
Ok, so I'll accept their challenge. But we only have four war team members. CoC, me, ysmr, and zone. Well, at least according to the OP. Is Billy on our war team?
They said PS rather than PO because I dont have PO and they aren't big on WiFi
EDIT: Since Billy is somewhat inactive, flygon said hed be on the war team. billy can sub.
Last edited by Chapter; 10th February 2013 at 11:32 PM.
Hey guys, Ysmr here. Sorry I have not been active lately, I have a crushing workload in school, as well as being a drummer in a pipe band, with only a month left until the NYC St. Patrick's Day parade. I am EXTREMELY excited for this war! Everybody give it up for out great War Captain, EonDragon. I am thinking of making a new Pokemin team, one that will kick Elemental's a**! And, Billy Mayes, if you are reading, If you are planning to partake in this war, we at least need some form of activity in the clan. We need to talk strategy, preparedness, and, most of all, if you can actually compete in the War. Also, since this is a monumental event, I'll talk to Chapter about raising the point value of winning war battles and War's themselves. Good Luck Everyone!!!
My 3DS FC is 2964-8767-0282 PM me if you add me!
Visit Me and Chapter of Charizards gaming blog. Fans are always appreciated and welcomed. Feel free to comment!
I would agree to raising the points (a bit). Also, I think flygon will participate and Billy will sub. BTW, the tourney is moved to friday because it was moved to the tourney thread. Check it out!
Aww yeah it's battling time. -w-
Does anyone need a team or something? I have a few sand teams ive worked together out of boredom.
Last edited by MetalSonic; 11th February 2013 at 3:14 PM.
Eon, are there any restrictions to this War? Like banned moves, pokes, etc.
My 3DS FC is 2964-8767-0282 PM me if you add me!
Visit Me and Chapter of Charizards gaming blog. Fans are always appreciated and welcomed. Feel free to comment!
Um, no. Nobody needs teambuilding b/c you resigned.Originally Posted by MetalSonic
Excited for the war. Ithink restrictions are just the same as the clauses in PS battles.


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1 Which team will kick off?
2 Which team will play from right to left in the first half?
3 Which team will name the most forwards on the bench?
4 Which team will score the most tries in the first half?
5 Which team will score the most goals in the first half?
6 How many points (to the nearest 5) in total will be scored in the first half?
7 Who will be be winning at half time?
8 Who will receive the ball from the second half kick off?
9 How many tries will be scored in the second half?
10 Who will win the game?
11 By how many points will the game be won? 5 for bang on.
12 From which team will be MOM be selected from?
13 Will the MOM be a forward or a back
14 To the nearest 1000, what will be the attendance?
Please note a 1 point deduction will be made for every answer that includes the actual names of the teams playing.
Edited by Native New Yorker, 28 January 2013 - 04:45 PM.


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Define "show-stopper." Ed LaGuardia has perhaps the best answer. Make a trip to the "Run Out East" exotic car show and walk away with the coveted People's Choice First Place prize in a 39-year-old American hot rod. Pardon me, Enzo Ferrari, move over Ferruccio Lamborghini, make way for the cleanest big-block 1st generation Camaro in the Hamptons. Stick that in your designer driving shoes and smoke it, Mr. Auto Snob! Excuse the enthusiasm, but when one of our own goes to an event packed with the filthy rich, the best Europe has to offer, and cleans house, all the Bow Tie faithful should be proud.
Ed's hide-away Camaro is a show-stopper, plain and simple. The classic, beautiful lines of 1969, complete with shimmering metallic blue paint and hockey stick stripes, are complemented by a perfect stance and pavement grinding hides on the corners. The g-machine trend continues to grow, and rightly so. With the quality of the suspension parts available in the aftermarket for first generation Camaros, there is no reason you can't get the best of all worlds. Ripe for cruising the highway, skating the back roads, hitting the road course, and dominating the drag strip, all with comfort and control, there isn't much more a hot rodder can ask for.
At the heart of any properly designed g-machine is a rigid, adjustable rear suspension, and that is exactly what Kyle and Stacy Tucker from Detroit Speed & Engineering specialize in. Ed installed their Quadra-link rear suspension setup, complete with no-bind swivel-link technology, adjustable coilover shocks and springs, a panhard bar for lateral control, and improved suspension geometry.
After mini-tubbing the rear wheelwells, Ed slid in a GM 12-bolt rear with 4.10 gears and a limited slip differential. Rubber is supplied by a set of BFGoodrich Drag Radials measuring a whopping 345/30R18 out back. Up front, he used BFGoodrich HTRs measuring 245/40R18. All four are mounted to Fiske polished aluminum wheels. The front suspension is a complete drop-in unit from Martz, with tubular control arms, rack and pinion steering, and Wilwood disc brakes.
A Deer Park aluminum driveshaft bolts up to a Tremec TKO-600 five-speed transmission, Lakewood steel bellhousing, and Hays Street/Strip 11-inch clutch. S-K Speed custom built the 468-cubic inch powerplant from the ground up, beginning with a GM 454ci steel engine block. It bored it .060-inch over and installed an Eagle crankshaft, Eagle rods, and 10:1 J.E. pistons. The valvetrain is completely roller using a Lab Machine custom camshaft, and Crower roller lifters and rockers. Atop the short block sits a set of 340cc Brodix 2X cylinder heads specifically CNC'ed for lightweight high performance vehicles; in this case, 3,160 pounds without a driver. Feeding air into the chambers is an Edelbrock RPM intake manifold and Quick Fuel 950-cfm carburetor. Pooping air out the other side is a set of Jet Hot coated 21/8-inch Hooker Super Comp headers and a JBE Racing 3-inch exhaust system.
The final result is a very pump-gas friendly big-block Chevy pushing 615 horsepower and 530 ft-lb of torque. Not specifically known for its capabilities on the drag strip, the DSE rear suspension held the skins flat on the 1320 to the tune of 10.97 at over 125 mph for this F-body. Pretty darn good for a road-race-inspired suspension.


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When a fighter is free to explode or stretch without limitations, they are at liberty to compete without hesitation.
The GRIPS™ Diablo fight shorts were designed with the most common issues of MMA's grappling game in mind. The Diablo is built tough, yet allows tremendous range-of-motion and comfort in any experience at the gym or in the cage.
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Buying a car is an essential part of life for most people, and you can get a good deal on a used car that will suit your needs. For example, you can get modern used automotive vehicles with low mileage and some of the latest equipment and technology. Consumers who are shopping on a budget may opt for a slightly older used car that can provide a reliable form of transportation. There are many second-hand vehicles for sale in Singapore to choose from.
Volkswagen vehicles are particularly popular with younger drivers, as they are stylish and fun to drive. Whether you live in the city and need a smaller car to get around or are looking for a slightly larger ride for the country, there are several Volkswagen models to choose from. For example, the small Golf, comes with features that include power steering, electric windows, air conditioning, and a radio. If you need a larger ride, there are SUVs such as the Tiguan and Touraeg.
A number of Toyota models can work well for consumers searching for an affordable and reliable used car. For example, the Yaris is compact enough to fit into city spaces, and it is quite fuel efficient. A newer Yaris may come with power steering and windows, a radio and CD player, and air conditioning. The Toyota Rav4 is a small SUV that may come with features such as electric windows and mirrors, power steering, a sunroof, and a CD/MP3 player.
For drivers who want a car that is exciting and fun to drive, a used BMW can be an optimal choice. Some of the most popular models include the entry-level 3-Series and the better equipped 5-Series. Depending on your budget and preferences, you can find a used 3-Series car for around R50 000, while a 5-Series can be a bit more pricey at nearly R400 000 for a newer model.
Buying a used car can be a long and daunting process. Fortunately, knowing your budget and what you are looking for in a second-hand automotive vehicle can narrow down the options. You can find a number of used automotive vehicles for sale in Singapore to meet your driving demands.


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UFC on FOX 5's Swick on Brown fight: 'It's going to be over fairly quick'
MMAjunkie.comDespite a bonus-winning knockout in his most recent fight, Mike Swick feels he has something to make up for.
"The first round, to me, was embarrassing," Swick told MMAjunkie.com Radio (MMAjunkie.com).
So if his next opponent could, at some point, put him on the ground or provide him the opportunity to do the same, he would appreciate it.
That opponent is fellow welterweight Matt Brown (15-11 MMA, 8-5 UFC), whom Swick (15-4 MMA, 10-3 UFC) faces on the first FOX-televised fight of UFC on FOX 5, which takes place Saturday at KeyArena in Seattle. FX and Facebook carry the prelims.
The source of Swick's embarrassment is his grappling against DaMarques Johnson at UFC on FOX 4. Johnson took Swick's back, mounted him, and threatened with submissions, all while landing strikes.
In the second round, Swick rebounded in the biggest way possible, and he caught Johnson with a leaping punch and knocked him out cold. He won a $50,000 "Knockout of the Night" award for the ending.
Still, the American Kickboxing Academy fighter prides himself on his jiu-jitsu and wrestling, and he was caught off guard by the speed of the fight after two years on the bench due to injuries and illness.
"At least now going into Seattle, I know what to expect because I just went through it," he said. "It wasn't as hard to get adjusted as I thought, even though in the beginning, it was a bit overwhelming."
What Swick didn't advertise was that he was also hobbled by a torn ACL, which he fought on despite its condition. In training camp, he couldn't straighten his leg or build its strength.
"I work so hard on my ground ... so I'm definitely going to show a better version of that in this fight," he said. "Hopefully, this fight will hit every area so I can showcase a little bit better in some of the areas where I felt, in the first fight, wasn't the best of my abilities."
The problem is, Swick doesn't exactly see three three rounds of jiu-jitsu in store for them. Brown is an aggressive fighter who likes to strike and draw his opponents into slugfests. He isn't much different in that he likes to stay on his feet; he has stopped four of his UFC opponents via knockout or TKO and twice won "KO of the Night" honors.
Someone is going down, he predicts.
"I honestly think that we're going to clash, and it's going to be over fairly quick," Swick said. "I just can't imagine that we would punch each other in the face for three solid rounds without anything happening."
A quick fight could help him avoid the types of bumps and bruises that have so greatly hindered his career. It might not do the same for the one to his ego, but you never know.
"If it goes to the later rounds, which I'm prepared for considering he is a tough guy and likes to get in those long fights, I should be more than ready to keep a fast and explosive pace for those three rounds," Swick said.
*Should be a fun fight. Lets hope Swick schools Brown.


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Bird Island Diaries
See Also
Since 2000 a succession of staff who have overwintered at Bird Island research station have contributed to the monthly web diary. The diary provides a fascinating account from different viewpoints of the annual cycle of life at Bird Island. Originally the diaries were written for school children; however over the years it has become clear that the general public, including the friends and relatives of staff at Bird Island, have found the diary invaluable in presenting a fresh view of Bird Island activities. The literary quality of the diaries shows that the art of writing about life in the polar regions is as thriving today as it was in the Heroic Age of Polar Exploration.


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Phil DeFranco is putting on a special live show next week at the Alex Theatre in Glendale, California. You should totally come! SourceFed hosts Joe Bereta and Steve Zaragoza will also be there with Phil, doing some storytelling, Q&A, and secret surprises. Tickets are still available but going fast. This is Phil's last live show on the West coast this year (Chicago and Toronto are next), so you don't want to miss it. Here's the info on show details and tickets:
DeFranco Does LA
Friday, May 9 at 8PM
Alex Theatre, Glendale, CA
Get your tickets here: http://www.alextheatre.org/event/defranco-creative-presents-defranco-does-la
Questions? Contact the Alex Theatre at 818-243-ALEX (2539) or email@example.com


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Calendar of Events
Sep 9
NSW: Frisbee Toss
Tuesday, September 9th, 2014
5:30 – 6:00 pm / Bald Spot
This ceremony is the official beginning of your four years at Carleton. You will be given a personalized frisbee, encircle the Bald Spot, and listen to a brief announcement by President Poskanzer. All students will aim for a target on the center of the Bald Spot for a chance to win prizes. Winners and prizes will be announced at this time. After the toss, take any frisbee and meet someone new by returning it to its rightful owner by the end of New Student Week.
Sponsored by New Students 2014. Contact: Jessica VanZuilen, x4462
Students, Faculty, Staff, Alumni, Families, Prospective Students, New Students


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Apr 5, 2008
NXT Ball Hunter
I recently attended an FRC (High School robotics competition) event at UC Davis, where this year's challenge involves robots from Red and Blue teams grabbing onto big balls of their color and carrying them around a track (plus a few other things, see this intro video).
FRC is mostly remote controlled, but there is a short (15 second) semi-autonomous period at the beginning, where you get bonus points if the robot can score any points without being under full remote control. I was struck by how little any of the teams tried to do during this period. Most did nothing and just waited for the remote control portion to start. Perhaps this is due to lack of suitable sensors. I don't know, but in any case I was inspired to develop this Ball Hunter project to demonstrate some simple autonomous behavior along these lines for the NXT. FRC robots typically have a weight limit of around 100 pounds (45 kg). Do you think my little bot has a chance?
6 comments:
- Jim Kelly said...
I got slammed a little by a poster over at the FRC blog for pointing out that FRC robots are not autonomous but simply remote control cars with some cool claws and grapplers...
I know those kids work hard on their projects and in no way do I want to take away from their competition, but I still believe that competitions like these should involved autonomous robots - and sensors - LOTS of sensors. No autonomy... not a robot.
- Apr 5, 2008, 9:40:00 AM
As a member of an FRC team and a participant in FRC competitions for the past 3 years, I can tell you why we don't take advantage of the autonomous capabilities: we don't have time. We only have 6 weeks to design, build, program, and test the robot. Now I can only speak for my team, but we have a history of completing construction of the robot only days before it has to be shipped. So, like many other teams, we decide to skip trial and error programming and testing of autonomous mode and opt for driver practice instead.
It is unfortunate though, I believe if we had more time, there would be some incredibly impressive autonomous robots in the competitions.
- Apr 5, 2008, 1:44:00 PM
- NXTMonger said...
It would be nice if you had more time. I'm in FLL and we get 12 weeks, and that seems like a really short amount of time. I can't even imagine having 1/2 of that!
- Apr 5, 2008, 2:13:00 PM
It's not very accurate saying that FLL robots are autonomous either. Most operate more like a pick and place industrial robot than an autonomous vehicle.
Put 2 or 4 FLL robots on a table at the same time. It would suddenly be VERY difficult to complete even one mission.
- Apr 5, 2008, 3:01:00 PM
- Erik said...
I would have to agree with London Reinhard that the main reason teams don't try the autonomous section is because of the lack of time. The construction effort alone is much more complicated then mindstorms. CAD files have to be made and then all the parts manufactured, bought, and assembled. Time just begins to be too much of an issue to get really autonomous programming accomplished. If the competition really wanted to encourage it they would have to give teams more time and more incentive to program.
- Apr 6, 2008, 12:34:00 AM
To say FRC does not place enough "autonomous requirement" is absolutlely true. It is truely much less effort in terms of programming for autonomy than other competitions like the robosoccer, for example, or even the FLL.
To say 6 weeks is simply too short to put in more than 15 seconds autonomy requirement is also true too. I know kids participating in the FRC. They really worked their butt off.
Therefore, I think the question is what is the goal of FRC... to get a competition which is gratifying enough to entise students to even try to go into robotics in college, OR to help to increase the competency in robotics or artificial intelligence.
- Apr 18, 2008, 3:24:00 AM


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Fans who attend USC Trojans men's and women's basketball games this season may notice two new characters roaming around the venue.This is because the school unveiled two new mascots, Tommy and Traveler, on Wednesday, both of which have been created in an effort to attract more fans and students to home basketball games. However, some students don't seem to be taking the news very well."We are a traditional university that does not need to reinvent ourselves or create new excitement," said Robert Shawhan a senior at the Annenberg School for Communication and Journalism. "Our fan base probably does not appreciate a push like this. Like our uniforms we stay true to tradition."Preach, Robert. Preach.Lauren Estrada, a senior at the Marshall School of Business, echoed Robert's sentiments."I think it's too much of a departure from our classic Tommy Trojan and Traveler [mascot] that we have at football games," she said.USC plans to phase the mascots in by having them appear at tailgates and other functions before letting them appear at games. Judging by their lackluster reception from students, Tommy and Traveler may not be around too long, though.Via ATVN
They are not very inspiring. Maybe they will grow on us.
As a USC alum, I just hate both of them! Get serious.
I think they will fit into the California atmosphere & community quite well
the new traveler doesn't leave piles of poop on the basketball floor.
Most people don't get that the Traveler is the University's mascot.
I'm banking on the 'mere-exposure effect', articulated by Zajonc
the thing is uglier than me!
Uh, copy Sparty much? Michigan State Spartans mascot.
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Billy Hunter, Project Manager
ArtServe Michigan, in collaboration with Data Driven Detroit, has released its latest Creative State Michigan report. For the second year running, the report reveals the economic importance of the arts and cultural institutions in Michigan's economy. From the press release: "The report details economic and social data from 346 nonprofit [Read on...]


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Editor's Review
Need a gnocchi paddle? If so, you can find one at Cornucopia. They have just about everything else you could want for the kitchen, too, as long as it doesn't plug in. You'll be charmed by this store's bright exterior -- in the garden on the walk up, pots double as flower containers, accented by multicolored whisks; the matching lids hang on the store's front wall. Another giant whisk hangs beneath the open sign. And you'll be befuddled, then thrilled, by the seemingly never-ending selection inside. The shop is packed to the gills with inventory: They really do have everything, and they have it in every color. It's well organized, though, and not messy, so that once you adjust, you'll simply be excited to see what's on hand. If there's a strange gadget you'd like -- say, a turtle that perches atop a pint glass to make pouring perfect black-and-tans easy -- Cornucopia likely has it or can get it for you. And the lines it carries are quality vendors, including Le Crescent, Emile Henry, Nordic Ware and Epicurean. One thing worth noting is that Cornucopia doesn't sell appliances you can find at the local department stores. They need the space to stock stuff you won't see anywhere else. Open weekdays and Saturdays from 10 a.m. to 5 p.m.; open Sundays from 11 a.m. to 3 p.m. Closed Tuesdays.


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Mercedes E63 AMG versus Audi RS6
100 miles of empty autobahn. Two V8 hyper-estates. One night to hit vmax...
Posted: 09 Jul 2013
155mph. That's - shoes and socks off, carry the one - 70 metres a second? Forty-odd football pitches a minute. As our pair of estates boom through the Munich night on the deserted, derestricted autobahn, a profound thought occurs: if my dodgy maths is correct, 155mph is Really Quite Fast Indeed. Turbos shriek, exhausts thump, 1,100bhp detonates into the darkness. The Audi RS6 and Mercedes-Benz E63 charge east in unison, and another profound thought strikes home. Downsizing: not the end of the world, is it?
Downsizing. The word feels comically out of place when vmaxing a 550bhp twin-turbo V8 family estate on the fastest public roads in the world, another twin-turbo, V8 family estate hot on its heels. But deep, deep beneath the surface, these two bruisers are tofu-waving green revolutionaries. Really. The new RS6 has shed 100kg, is more economical and - leading to unprecedented scenes at the German Horsepower Society - less powerful than the car it replaces, trading its predecessor's V10 for an Audi-tuned version of the twin-turbo V8 doing sterling service in the Bentley Conti GT.
A V8 that - thanks to clever shutdown tech - becomes a four-cylinder under light load, no less. Merc's AMG division hasn't gone quite so yoghurt-weaving. But its new E63 - though more potent than its precursor - also chases improved economy and emissions through the mysterious alchemy of turbocharging, a move that must've caused some soul-searching at the world's foremost exponents of swept-capacity, naturally aspirated lunacy. The old 6.2-litre atmospheric V8 is gone, replaced by a 5.5-litre bi-turbo unit some 32bhp more powerful. Which makes our two estates spookily closely matched: the Audi produces 553bhp to the Merc's 550, but 15lb ft less than the AMG's 531 torques. Both will officially return 28mpg and under 240g/km of CO2. It won't get either manufacturer onto Al Gore's Christmas card list, but it's a start.
But while they follow a similar recipe for making their power, the two Germans stand on either side of a great philosophical - nay, moral - divide, perhaps the greatest schism facing humanity today. And that quandary is this: two or four? The RS6, as with all hot Audis, remains four-wheel-drive (though admittedly a rather trick four-wheel drive, with torque-vectoring, a crown centre diff and rear differential), while the E63 chucks its power to the rear wheels alone. It's a distinction that defines these two cars, one that represents the biggest rift in the world of performance cars today.
So, as George Orwell never had it, is it 2WD good, 4WD better... or vice versa? Well, if it's Top Trumps victory you need, 4WD's for you. With its traction advantage, the RS6's official 0-62mph time is 3.9 seconds. Under four seconds. In a nearly-two-tonne family estate. That's as fast as the Ferrari F40 ever managed. And you know what? It feels it. Nothing short of an Ariel Atom can rival the RS6 for reducing you to a cackling maniac as you plant the throttle and try your feeble best to wrap your faculties around the sensory overload enveloping you. Difference is, where the Atom experience eases up as you hit triple figures - metered by aerodynamics and your own desire not to become an integral part of the scenery - the RS6 just keeps pulling and pulling at the same ludicrous rate, all the way to 189mph if you remove the limiters, which you will. There's not much on this planet to make an E63 seem a bit pedestrian, but the Merc can't match the RS6 for Mein-Gott-this-feels-schnell acceleration.
There's also not much else on the planet that makes B-road overtaking so dismissively simple as the RS6. Gap-throttle-done. Gap-throttle-done. Repeat until all traffic is vanquished. Even on damp roads caked in gravel and cow dung and fallen leaves, the RS6 gets from A to B, C, D and the rest of the alphabet at absurd pace. No matter what speed and what corner, no matter whether you slam on the brakes or stab the throttle, somehow the Audi's array of differentials and electronic trickery sorts it out. It's a car that instils great reserves of misplaced confidence, the belief you can head into any bend at any pace and emerge intact, confidence that may evaporate the day you find yourself entering a blind hairpin at triple-figure speed and, shortly thereafter, airborne somewhere over Dunkirk. Physics can only be bent so far.
The E63 is far readier to remind you that you are a pitiful, flawed human being. In the dry, traction levels are prodigious - thank a combination of fat rubber and smart stability control - but show the Merc a greasy, gravelly road, and you're suddenly very aware of the limitations imposed by the laws of friction on any efforts to smuggle 550bhp to the road through just two wheels. Treat the traction control buttons with the respect they deserve, and the E63 will do everything in its power to keep you out of danger, but take liberties, and, like an East End hardman, it'll teach you a lesson in manners.
The reward for this in-yer-face demeanour is a far keener, more involving drive if you're prepared to offer the Merc your full attention. Where you simply point the RS6 at the middle of a corner and, once you're there, point it at the exit - brakes and/or throttle optional at any point - the Merc, as the racing community would have it, gives you options, allowing you to subtly adjust your angle of attack mid-corner on the throttle. In reality, this may mean adjusting your angle of attack mid-corner from 'on the road' to 'in a hedge'. Still, the E is a mighty tactile thing for a five-metre barge. Even its gearshift paddles - great metal levers that produce a reaction a touch slower than we'd really like - feel more analogue than the RS6's tiny plastic flickers, which wouldn't seem out of place on a PlayStation controller.
Actually, that's exactly how the Audi feels: like a very fine computer simulation of itself. Partly because it imbues you with an air of detached immortality on the road, but also because of the odd remoteness of its controls, not least its ropey steering. Yes, the RS6's rack is mighty quick, sending the Audi's nose pinging towards corners with frantic fervour, but it seems to be connected to the front wheels by a series of intensely powerful but intensely rubbery rubber bands. Switching from hyper-assisted, falsely weighted Dynamic mode into the Audi's Comfort setting helps a little, but it still feels closer to the world of console gaming than one of the most exotic super-estates on the planet.
The E steers beautifully, the sensation aided by its spot-on Alcantara-trimmed wheel, which is slim and precise and a welcome departure from the fat-stuffed rims so in vogue. Its calibration is a thing of subtle delight: light and quick but still feelsome. It feels deeply, mechanically right, a solidity echoed in the noise department. The E63 makes all its best noise down the bottom end of the rev range, churning out a great baritone choir of booms and detonations, a battlefield salvo seemingly occurring several miles off.
The RS6 - with £1,000 sports exhaust, which should be the very first option box you tick - can't quite match the Mercedes for low-revs bassline, but makes up for it with a bonkers air-bullying soundtrack in the midrange, snorting its way to 5,000rpm like a brace of industrial vacuum cleaners battling to the death, and snap-cracking on the overrun with enough volume to reduce any toddlers within a five-mile vicinity to tears. So disconcertingly violent is the RS6's exhaust, in fact, that you occasionally find yourself wondering if the rear diff has splintered straight through the bootfloor.
There's more than a little, ahem, cosmetic enhancement to the Audi's aurals. Open the door (when stationary, preferably), rev the engine and you'll find a chunk of the noise has mysteriously disappeared, an indication of just how much of that sound is of less than organic origin. An editing trick it may be, but it's a mighty effective one.
The Disney soundtrack matches the Audi's more extravagant visuals, too. In the utterly unstealthy 'stealth' grey paint of our test car, between the anabolic arches, the giant wheels and the 'quattro' branding smeared across every available surface, the RS6 isn't the hyper-estate for the driver who likes to make his 550bhp, 189mph progress in anonymous fashion. The E, despite its huge new pair of nostrils and quad tailpipes, rocks the hot estate Q-car vibe far more than the Audi.
It's a purer piece of mechanical engineering, the AMG, and feels more likely to be barrelling around in 50 years' time, doubtless in the hands of a fuel-bankrupt but perma-grinning Munich cabbie. Take it gently, and the Merc is an easier car to live with day-to-day: it's quieter on the autobahn, with far less road noise, though our Audi's bigger wheels - optional 21s while the Merc rolls on standard 19s - play a part in that. In Germany at least, it'll ferry more humans: where the E63's rear bench seats three, the RS6 gets two 'sports' seats in the back. British RS6s will be full-fat five-seaters as standard.
But who bought a V8 super-estate for going slowly? Flat-out, head-to-head with the RS6, the Merc's lovely steering and sheer mechanical rightness probably cancel out its slower gearbox and more muted exhaust. So it all comes down to that big question: 4WD security or 2WD tactility?
The apex-clipping racing driver inside each of us screams rear-drive, of course. But these are giant estate cars, not track-day specials. I will wager strongly there are more people in Britain who sculpt confectionery mannequins of Richard Hammond than thrang their E63 or RS6 estates around a circuit on any given Sunday. If you want a feelsome sports-thing for the track, buy a proper one for half the price. The real world doesn't have sticky tarmac and gravel traps, and behind its veneer of smart chassis dynamics and idiotproof software, the E63 is a chunky estate that shoves nearly twice the power of a WRC car through its back wheels. Even on the finest set of winter tyres, I don't think I'd fancy it in the snow. Living in Britain, with its rain, frosts, manure-splattered back roads and dodgy tarmac, quattro's what you want.
So here's your TG Top Tip: swallow your Senna-shaped pride, and go 4WD. Which doesn't necessarily discount the E63, because, for the first time in history - and perhaps in tacit admission that most drivers need all the traction they can get - Mercedes is now offering its super-estate in four-wheel-drive flavour. But only if you're happy with your steering wheel on the wrong side: Merc doesn't engineer the 4Matic E63 for right-hand drive. Until it does - and unless you're really, really as good as you think you are - the shouty, show-off, surprisingly safe Audi is the car for Britain.
But right now, out on Munich's big, dry, empty autobahn, the two-versus-four schism is irrelevant. All that matters here is brute power, and both our estates are using every last ounce of theirs as they whip through the Bavarian night towards Austria. If you spend your life driving in stultifying, 70mph speed-limited Britain, being set loose on a derestricted 'bahn feels... wrong, really. Initially, you tiptoe your way past 100mph, peering out guiltily for the first sign of a traffic cop, convincing yourself there's no way, legally, such velocity should be allowed. And then a dowdy VW Passat - because it's always a VW Passat - whumps past in the outside lane and (provided your car and the road conditions are suitable, obviously) you think, "Well, if he's doing it, it'd be rude not to join in." Jeez, distances vanish quickly when you're doing two and a half miles a minute. Countries become significantly smaller; life becomes significantly better.
One day, the autobahns may be gone. Just this month, the leader of the German opposition party threatened to slap a 75mph limit on all of his country's motorways if he gets into power. Here's hoping he doesn't. Where else but Germany, and its unique, derestricted roads, could produce brilliant, daft cars like the RS6 and E63? Downsize the engines all you like, but don't downsize our autobahns...
Words: Sam Philip
Pictures: Thomas Salt
This feature first appeared in Top Gear magazine


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Well THAT wasn't how the Dixon brothers reunion was supposed to go down!
For a second, right after the Governor accused Merle of being a traitor in Sunday night's episode, I was very scared that ol' Merle was going to get killed off right then and there. Thank goodness they just left us with a cliffhanger of the two staring each other down in front of a bloodthirsty crowd of Woodburians.
We'll have to wait until Feb. 10 for answers, and by then we'll be eating any Subway footlong sub we want for only $5. #FebruAny
I hope that Merle and Daryl go back-to-back, Roman gladiator fighting style, and brawl their way out of there, maiming the Governor in the process. Or they could stage a fake fight like Merle and Caesar did a few episodes back. It would be like Bret Hart vs. Owen Hart.
And then they can go to that bar where Hershel got sauced and reunite properly. I can't believe they took Merle's knife hand. How rude!
While the Dixon Bros. reunion was cool, that wasn't the only notable occurrence on Sunday night's midseason finale.
Humans and zombies were killed, new characters were introduced and old characters were stabbed in the eye.
With the rapid pace of this season so far, I kind of thought a more significant character was going down. Maybe Carol or Hershel. Instead, we said goodbye to Oscar. The joke around the Internet a few weeks ago when T-Dog died was that the show could only have one black male character at a time. I thought it was kind of a dumb joke, but look what happened: Oscar dies of a shotgun blast, and they introduce a new black male character, Tyreese.
Oscar was kind of a throwaway character anyway, and I think Tyreese is a great addition, in part because he's played by Chad Coleman, who was also one of my favorite characters on "The Wire," Cutty. Readers of the graphic novel are very familiar with Tyreese, a fictional Atlanta Falcon, as he was nearly as popular as Michonne.
In addition to Oscar, several other human characters died, but they might as well have been zombies, because they were hardly recognizable. There was that woman, Donna, that was with Tyreese's group, and there was that guard, Warren, that Maggie stabbed through the throat with a jagged zombie arm bone. That was awesome.
More importantly, Michonne found the Governor's man cave, ended his zombified daughter's existence, smashed up his aquarium head collection, and stabbed him in the eye with a jagged piece of glass. Not so pretty now, are ya Governor? BURN!
At least she got to see her pet zombies again. She presumably would have killed the Gov had Andrea not come in and told them to stop fighting. When Andrea sees Michonne, she's like "awkward!"
Woodbury was exposed as pretty weak against outside threats. Rick and Daryl and Oscar were out there in the woods, arguing and making a bunch of racket just a few dozen yards from the fence, and those dimwitted guards didn't even notice. Then Rick, Daryl and Oscar just waltz into town like they were antique hunters. And then that dumb guy in the funny sleeveless flannel shirt is like "Duh, who's in there!" before Daryl gives him a concussion.
The prison crew is just better at fighting. Those Woodbury fools were standing up on top of school buses like sitting ducks while Rick shrewdly takes cover behind that solar panel, picking them off.
What was up with Rick's Shane hallucination? Was there more significance to that than just that Rick is still slowly descending into madness? I bet it was fun at least for Jon Bernthal to get back on the set. I wonder if it was awkward between him and Andrew Lincoln. Jon Bernthal probably tried to take some finger sandwich off of a catering tray, and Andrew Lincoln was like "Uhh, Jon? Those are for regular cast members only, thanks ..."
Back at the prison, Tyreese and his group check in. Apparently, per Wikipedia, that girl Sasha is Tyreese's daughter. The other two are Allen and his son, Ben. Their arrival allows Carl to flex his leadership muscles in Rick's absence. I don't know, I still find it kind of ridiculous that a 12-year-old boy is bossing people around, all while wearing that silly oversized sheriff's hat. I guess the thinking is that he's grown up in zombie apocalypse, so he's best equipped to get by in this world.
Meanwhile at the prison, Axel reveals himself to be a bit of a perv. He's hovering over 17-year-old Beth (FYI in real life she's 22), licking his greasy moustachioed lips. *Shudder* Carol puts him in his place, but then when she tells him that — despite her closely cropped coif — she is not a lesbian, he gets all excited and starts hitting on her. She's like, "Uh, I'm holding out for Daryl, you creep."
Early on Axel seemed to be just a harmless, gearhead yokel. But now we're beginning to see the evil that lurks in his heart. I'm thinking that maybe Axel will go a little too far with his horndoggery and Carl will have to step up and take care of business.
Happy Holidays everyone! See you in February!
Did you notice/know?