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18 Crafts with Felt: Simple Craft Ideas, Felt Flowers & More
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Felt Flower Needlecase
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This cute felt needlecase makes a great gift for an experienced stitcher or sewer, or someone just learning how to sew. Embroidered french knots at the center of the flower are an extra special touch.
- Green felt
- Kreinik Silk Roving- white
- Wool roving- Purple
- Kreinik Metallic #12 Braid in your choice of colors (we used color 3533 Purple Mambo)
- Tools: felting needles, pad, scissors, tapestry needle
- Cut a rectangle of green felt to be your base. Fold in half to find the "cover" of your threadfold. Also cut out a flower shape with four petals from your green felt.
- Begin laying out your design on your base felt, starting with the silk in a square. Create "stripes" with your wool. Lay your base felt (open) on your needlefelting mat and begin felting. Move strands of the fibers as needed to create the design you want.
- When your stripes and silk outline are well secured, add your green felt flower shape and a circle of silk for the center of your flower. Continue felting until all pieces are secured.
- Embellish your felted design with metallic braid. Stitch around the outside of your design and outline the purple stripes. Then add a few french knots to the center of your flower.
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One Flight Up's name refers to its shaded, dog-friendly balcony location, which overlooks the charming storefronts of Donnelly Street while cultivating relaxation with wind chimes and hanging plants. From 8:30 a.m. into the night, the café serves sandwiches, salads, desserts, and drinks suitable for each hour of the day. Breakfast begins with quiches, coffee, and espresso, and then lunchgoers can dig into tomato-basil bisque or a Harvest chicken-salad sandwich. At night, in addition to the food menu, the café's team cracks open beer bottles and pours wines that include Milton Park shiraz and Cortenova pinot grigio.
On weekend nights, live music wafts through the interior and out onto the balcony, twinkling with string lights. Mondays host open-mic performers, who demonstrate their abilities to take a microphone apart.

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Hot answers tagged yeast-cultures
"Does it contain the same yeast strain as heffe, or not?" It's quite possibly the same strain BUT not necessarily the strain you're looking for (Weihenstephan's Hefe yeast). Bottle conditioning for one or both (or neither) of these beers may be conducted with different yeast strains than the primary (from which all of the characteristic hefe flavor ...
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333 W Western Ave Ste 6Muskegon, MI 49440
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38 year old man | Marysville, WA, USA | Seeking women 28-35 within 100 miles
Hellooooooooo, you have arived at the wright place.
I would hate to bore you by telling you how wonderful I am by attaching to my name a bunch of flattering adjectives. I am sure that you have already found this about two hundred times in all the other profiles. I believe that words are cheap, but actions speak much louder, so why bother? So, why not start with a bad stuff – I am impulsive and restless at times, I can't kill a fly, I cried twice like a girl when I watched "Notebook," and I stay up way too late way too often. There is something about the nighttime that I find magic, if you will, which keeps me up working or hanging out aimlessly. Can you relate? I have little patience for flakes and fake people – those who smile while being angry on the inside, as I never know what they keep up their sleeve. How about you? What annoyed you today? And what made you weak in your knees from joy and pleasure? About You: You are curious about the world around you. You can take a joke and are not easily offended. You believe that sarcasm is a spice of life. You can spell, and are generally happy. The rest is negotiable.
Cooking , Dining out , Fishing/Hunting , Movies/Videos , Music and concerts , Exploring new areas , Political interests , Religion/Spiritual , Travel/Sightseeing , Volunteering , Wine tasting
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I exercise 5 or more times per week.
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I Have one dog her name is Roxy she is a white Jack Terrier.
I like to take time off and stay at a resort in Lake Chelan every summer. Go to some of the winerys in Chelan it is such a beautiful place to be. Up on the sultan river there are some amazing water falls and prestine sights that not very many see.
Everett Community College, Everett, WA
fishing, snowbording, dancing, walks on the beach, watching the sunsets, I enjoy teaching that is part of my job.
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|Associates degree
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Great Dishwasher with Great Looks
By khon
from Covington, LA, United States
Comments about GE Profile 24" Built-In Dishwasher - Custom Panel:
Installed in new house. The dishwasher looks great with the cabinet front and is very quiet. Even the express wash (45 min) cycles cleans very well! Would purchase again.
Bottom Line Yes, I would recommend this to a friend
Was this review helpful? Yes / No
- You may also flag this review
Not worth the money
By bhorsey
from florida
After 3+ months of using this d/w, I am still trying to figure out how to actually get a clean load of dishes! With the normal cycle running for over 2 hours, you wouldn't think it would be so challenging. Nice features otherwise, but I would really rather just have clean, dry dishes.
Bottom Line No, I would not recommend this to a friend
Quiet and full of features
By AustinDave
from Austin, TX, United States
We really like this dishwasher, especially how quiet it is and the option to do either the upper or lower tray only. The eco mode is a great idea, and we use it often, but about half the time, there's at least one glass or plate that needs extra cleaning. It's not a big deal since most of the load gets cleaned very efficiently, but it about the only thing we've found fault with.
So Quiet!
By tavis55
from Salt Lake City, UT, United States
So quiet and I love the special features. I've already recommended this to a friend.
By MCHe
from Milton, GA, United States
I have recently moved into a cottage attached to my daughter's house. She and her husband designed the space and chose all the appliances. My daughter researches everything which was fine with me. This dishwasher is the most amazing thing I have ever owned. I have had a built in dishwasher since I got married in 1969. I didn't know they made them like this. It is so quiet that I kept opening it to see if it was running! It makes absolutely no noise. The inside is amazing, too. Plus, I love that hidden shelf above the top drawer where you can put all kinds of things that don't have a real place in the normal dishwasher. The front that looks like my cabinets is perfect in my small kitchen. I don't need more stainless steel showing between the stove and the refrigerator. I love this thing!
Quite and easy to use machine
By JudyCM
from Redondo Beach, CA, United States
I purchased this one over 1 month ago. But has to get it replaced after one use, the digital panel was half off. The replaced one works great. The one disappointment I have is the capacity is smaller than the previous model.
Works great
By Mower5
from Holland Patent, NY, United States
It works super. Dishes are always clean. It's super quiet!!!
Roomy & practical!
By FLislandgirl
from Fort Lauderdale, FL, United States
We love this dishwasher! It has adjustable height capabilities and adjustable/removable components. It's spacious and well thought out product. I love that it also has a variety of cycles from a quick wash to a deep cleaning.
Very Quiet
By Rocky7
from Rocky Nook MA
This runs , but you don't know it. It does a very good job We are Happy with it
Surprisingly good dishwasher
By JimandBonz
from Atlanta, GA, United States
We had a horrible experience with our previous GE dishwasher. The power strip went on recall, and GE replaced it. It shorted out four time, and GE was good about replacing it every time for free. After the 4th strip shorted, GE decided it was time to replace it with a new one. It has been installed for about two months and we love it! It makes absolutely no sound, has terrific features, and looks much more sturdy than the first one. It is vastly better. And, GE's service was exceptional from deciding to replace it to following up after it was installed to make sure all was well.
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Confessions Of A Curvy Girl: Swimsuit Ready
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Swimsuit ready. What does that even mean? I am swimsuit ready. Am I missing something? Is there a test I need to pass to wear a swimsuit? Oh, it means... View Article
Swimsuit ready. What does that even mean? I am swimsuit ready. Am I missing something? Is there a test I need to pass to wear a swimsuit? Oh, it means... View Article
When I was growing up I distinctly remember shopping for pantyhose with my mom. It might be because we went everywhere with her, or that I have an unusual memory,... View Article
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Now that you are switching your closet from cold weather to warm weather clothes, it is time to evaluate your bras. You don't want to have that perfect sun dress... View Article
Recently a popular clothing chain that caters to curvy women released a campaign that I can get behind. So often the advertising that is geared towards women leaves me feeling... View Article
This may be yet another 'get off my lawn' post, but I want to ask the class for some feedback on wearable technology. Do you use it? Does it work?... View Article
Now that we are hanging up our sweaters for the year, it is time to bust out those sleeveless shirts and sun dresses! If you are like me you might... View Article
So last week I shared that my daily Granny Panties were suddenly too big around my waist. Not all of them, but certainly my "best" ones were. I weighed myself... View Article
It's getting warmer outside and, little by little, I am bringing my spring and summer wardrobe back into my closet. I have taken this opportunity to throw out what doesn't... View Article


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The Girl
A Life in the Shadow of Roman Polanski
By Samantha Geimer; Lawrence Silver; Judith Newman
(Atria Books, Hardcover, 9781476716831, 265pp.)
Publication Date: September 17, 2013
List Price: $26.00*
* Individual store prices may vary.
Shop Local
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In this searing and surprising memoir, Samantha Geimer, "the girl" at the center of the infamous Roman Polanski sexual assault case, breaks a virtual thirty-five-year silence to tell her story and reflect on the events of that day and their lifelong repercussions.
March 1977, Southern California. Roman Polanski drives a rented Mercedes along Mulholland Drive to Jack Nicholson's house. Sitting next to him is an aspiring actress, Samantha Geimer, recently arrived from York, Pennsylvania. She is thirteen years old.
The undisputed facts of what happened in the following hours appear in the court record: Polanski spent hours taking pictures of Samantha on a deck overlooking the Hollywood Hills, on a kitchen counter, topless in a Jacuzzi. Wine and Quaaludes were consumed, balance and innocence were lost, and a young girl's life was altered forever—eternally cast as a background player in her own story.
For months on end, the Polanski case dominated the media in the US and abroad. But even with the extensive coverage, much about that day and the girl at the center of it all remains a mystery. Just about everyone had an opinion about the renowned director and the girl he was accused of drugging and raping. Who was the predator? Who was the prey? Was the girl an innocent victim or a cunning Lolita artfully directed by her ambitious stage mother? How could the criminal justice system have failed all the parties concerned in such a spectacular fashion? Once Polanski fled the country, what became of Samantha, the young girl forever associated with one of Hollywood's most notorious episodes? Samantha, as much as Polanski, has been a fugitive since the events of that night more than thirty years ago.
Taking us far beyond the headlines, The Girl reveals a thirteen-year-old who was simultaneously wise beyond her years and yet terribly vulnerable. By telling her story in full for the first time, Samantha reclaims her identity, and indelibly proves that it is possible to move forward from victim to survivor, from confusion to certainty, from shame to strength.
Dr. Judith M. Newman, a writer and education consultant, is Professor of Education at Mount Saint Vincent University in Halifax, Nova Scotia. She has devoted considerable effort to helping teachers become reflective learners in their own classrooms.


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HOUSTON (AP) -- It didn't take long for Memphis to take advantage
of Houston mistakes.
Will Hyden returned an interception 36 yards for a touchdown
3:50 into the game, starting a 28-point first quarter in the
Tigers' 45-14 victory Saturday.
"That lit it," said Memphis coach Tommy West. "One team
needed something to kind of spark them and we got the one that
sparked us. That was really big."
Houston coach Art Briles took the blame for his play-calling.
"I made a bad call on a middle screen," he said. "I knew it
was a risky call and at that stage of the game, I should not have
made it. I knew better.
On Houston's next possession, Jackie Battle fumbled and Derrick
Ballard recovered at the Cougars' 20. Six plays later, Danny
Wimprine threw a 9-yard touchdown pass to Maurice Avery to make it
14-0 with 6:46 left in the first.
Wimprine hit 13-of-25 passes for 228 yards and three touchdowns
and DeAngelo Williams had his sixth straight 100-yard rushing day
as Memphis (4-3, 1-2 Conference USA) ended a two-game losing
"It's a game of mistakes," said Williams, who had 20 carries
for 120 yards and two touchdowns. "Whoever makes the most mistakes
Wimprine added a 36-yard touchdown pass to Mario Pratcher and a
55-yard TD to Avery for a 28-0 first-quarter lead.
Houston (5-2, 2-1) managed two first downs the quarter.
Early in the second quarter, Williams ran 21 yards for a
touchdown, and Stephen Gostowski's 33-yard field goal made it 38-0
at halftime.
Brandon Middleton, who extended his streak to 34 straight games
with at least one reception, caught an 18-yard touchdown pass from
Kevin Kolb in the fourth quarter for Houston.
The Cougars scored again added a 12-yard pass from backup
quarterback Blade Bassler to Vincent Marshall with 30 seconds to


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Posted by Rochelle on 06/18/2009
The setting definitely has a "wow" factor. It is stylish, dramatic and very "Middle Eastern Style". People may tell you to go just to see the place (which is beautiful) and enjoy the belly dancing, but I would tell you to go for the food as well. It is delicious, well seasoned and even reasonably priced. Everything we got was wonderful, specially the Grilled Lamb and the Mazzas (pita bread and Hummus). the perfect combination of mild yet very full flavors that just melted in your mouth. Outstanding. Save room for dessert too! I will definitely be back. Call ahead to make sure you get a reservation. The cocktails are good too.
Posted by Kelly on 06/01/2009
I went to Casa La Femme last week, while I was in New York and thought it was OUTSTANDING. The bar scene is pretty happening late at night and fun with a great crowd. The dining room has an interesting concept - there are white tents (which are very romantic) and Egyptian furniture but very nicely decorated. Food was amazing and very authentic - make sure to try the Goulash and the whole grilled prawns. Also, leave room for dessert if you have a sweet tooth. Even the drinks are delicious!
Posted by Gina on 05/27/2009
It was my first itme at Casa La Femme last Saturday and I had a lot of fun! The place is over the top gorgeous and the service is amazing! The food is very tasty and its a truly culinary experience. We arrived at 9.15 and although there was a lot of people we were sitted almost immediately. While we were waiting we had the signature mango martini which was delicious and we also enjoyed the belly dancer...It was a great , fun girls night out! We are all comming back next week for a friend's B-day!
Posted by Anonymous on 05/13/2009
Don't waste your time..the place probably won't last long. 95% empty. Mezzas was really good but Most of the food was bland..drinks were mediocore..and the place was totally empty. Very expensive. We didn't even stay for the belly dancer..who dances at 9:30. I feel sorry for her..once we left we realized she won't have anyone to dance for.
Posted by Anonymous on 04/15/2009
Its a beautiful resturant and a lot $ was put in to it. It has a belly dancer which is fun. My only complaint is that they are a little unsure of what kind of music to play through out the night. However, its a good place to try out.
Posted by Nique on 02/18/2009
One of my all-time favorite restaurants in manhattan! Bring your wallet because it will cost you if you want a tent - however, worth it if you want to impress a date! Service was a bit lacking this time around but overall had a great time!
Posted by Phyllis, Stu, Joyce & Artie on 02/07/2009
We saw the pictures of the restaurant and thought it looked interesting, so we drove into the city to try it. It is exotic looking. They spent a bundle in fixtures and tiles and chandeliers. But the sumptuous stuff ends with the décor. The food is OK. But not really. The food has got to be up to the decor, or why bother? It was all well presented, but amazingly boring. Where were the exotic spices? The creativity at the place ends with the décor. In the kitchen they got a cook who's afraid of something. The stuffed pepper was good looking but stuffed with a rice mixture that was tasteless. The shrimp looked good, but tasted not fresh, and was mealy. We've had better baklava at the middle-eastern fast food place in the mall. We could go on and on but we don't want to trash this place since the waiter told us they were still in the soft opening phase, whatever that means. What really got our ire up was the way they treated us, or more to the point, the way they didn't treat us, as well as they treated other tables with younger patrons. We were two couples nearing sixty, well dressed, well heeled, well mannered, but nearing sixty nonetheless. The Maitre d' all but ignored us, while he visited each of the other young tables fussing over the patrons at the end of the meal, asking them to please return. We were polite, only complained to each other about the food, tipped well, and left smiling at them, while we vowed never to return to that place again. We had driven in from New Rochelle to try this place. Something new we'd hoped. What we got was something new all right, our first taste of ageism.


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Size Chart
Zoot Women's Racesuits, Tops & Shorts Size Chart
This is my second racesuit from PleasureSports.com. The fit is true to the size chart. The material is superior to most racesuits. The cut is very flattering and the compression is excellent.
Update the wetsuit diagram faq custom merge code to change this.


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M is for Masturbation— Sara fills her holes with toys...
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A Girl's Diary Ch. 02— She meets her new roommate.
Cucumber Temptations— 23 years old fantasises of a rough pounding from cucumber.
Heathyr Hoffman Topless Turds— Ghost hunter Heathyr Hoffman plays with her feces on toilet.
No Time for an Orgasm— I just can't seem to help myself.
A Summer's Breeze Ch. 02— An older woman takes advantage of her shy younger neighbor.
A Summer's Breeze Ch. 01— A young man brings in the summer; his neighbor watches.
Taylor's Future— Taylor's attempt at saving a failing grade.
Adam Watches Emily Enjoy Herself— A young blonde rubs her clit, not knowing her friend watches.
Alone Time: Without My Love— Long distance lovers coping.
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Sam's Summer: Nighttime— Night after carwash.
Alternative— She finds herself alone in a room, unknown to herself
Good, Clean, Dirty Fun— Solo shower play while shaving turns into something more.
A Willing Participant #02— Warning! A story of forced sex and mother son incest.
The Storm— Ravaged by the Rain.
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Salty Liquids 1: Rachelle Ch. 07— Zoe discovers the pleasures of self-peeing.
Lea Listens In At Work— The booking next door gets me hot!
Submission Ch. 02— The businessman's life will never be the same.
Happy Consequences— A mix-up at the airport leads to fun...
The Story— Sex with another man becomes a delicious fantasy
Not So Alone Ch. 01— Being alone isn't so bad during a zombie apocalypse.
My Daytime Adventure Ch. 02— I remove my pants for a daring walk in the park.
Solo Fun— A guy and girl have solo fun.
Lea Has Multiple Orgasms Pt. 02— Lea can't sleep so she has a play instead.
Lea Has Multiple Orgasms Pt. 01— Lea can't sleep so she has a play instead.
My Daytime Adventure Ch. 01— I remove my pants for a daring walk in the park.
Happy Birthday, Hannah— Hannah wakes up horny.
What I've Been Missing— Heather discovers she's been missing out on exhibitionism.
Alone in Space Ch. 07— Override rejected.
Your Dream Man— You're overcome by the man who fills your dreams.
Aurora Takes a Bath— Aurora rubs her horny, naughty clit.
Funny Business Ch. 02— After cumming IN the closet, Maddie tries it alone.
Touched for the First Time— A young woman masturbates until orgasming.
Released from Work— Liz attends to her own needs after work.
Subersation— A toy shop perks up.
Yachts Are A Good Place To Start— Couple on their first holiday together, alone on a yacht.
Hot Tub— Not exactly sex in the hot tub.
Dirty Harry's Three Women— A rental brings an ... unusual situation.
A Morning Delight— A female masturbation story.
An Affair with Darkness Ch. 01— Prologue to the End.
Lonely Laura Takes a Bath— Laura is 24, single, and stressed. So she takes a bath.
Rachel and Stephen Ch. 03— Rachel's desperation leads her to the bathtub for relief.
Owned Ch. 02— How Sally and Karen began.
Shelly at the Movies— Getting naked at the movies.
Rachel and Stephen Ch. 01— Rachel's reluctant to deal with her sexual needs alone.
Carol's Christmas [redux]— Her Christmas is ruined until Santa brings the goods.
Magic Carriage Ride— Two friends set out on an erotic journey.
Lois Griffin, Return to Video 02— Lois's expands her return to video with a solo.
A Graduation Treat— Lily Knowles treats herself to a little solo shower show.
Channel Surfing— A young woman rented my basement apartment.
A Proper Young Woman's Guide to Anal Etiquette Ch. 01— Mother and daughter.
Zombies Ch. 01— Another Survivor, traded tales and fantastic fantasies.
Just Relax— Patrick helps out when Melinda is having touble sleeping.
Honey, I'm Home!— Did she catch me having too much fun?
Special Delivery— Fiona gets a new toy.
Sarah's Train Ride— She loves her daily commute. Perhaps too much.
Solo— Celebrating May is National Masturbation Month.
Her Office Escapade— Imaginary visitor.
Finding Peace After War— She crossed the gangplank.
Budget V-Day— Something new gets a wife distracted with her gift.
Astrid's Rise Ch. 01— Astrid performs the Dark Sacrement. (Skyrim fanfic)
Scent of Cherries— A girl gets off on the smell of her friend's shirt.
Lonely Saturday in December for Pam— A beautiful shemale, left alone with her own devices.
A Bowl of Cherries Ch. 03— I don't know why I didn't come.
Sam Ch. 01— Sam finds himself in a female body when he sneezes
Witchcraft: the Spirit— A witch's apprentice summons a spirit to help her masturbate.
Sammi Masturbates with Her Rabbit— A little time alone last night with my rabbit!
The Best Kind of Morning— I talk you through a typical morning masturbation session.
Stormy Night— A hot sticky night, storm's brewing & someone's watching.
After Meg's Bath— A heated fantasy turns into exhibitionist reality.
A Surprise Gift— An engineer receives a surprise gift.
The Lake— He plays in the refreshing lake water by night.
Stealing a Few Moments in the Shower— She spends time alone.
Tube Creature— A fleshy gummy opening without any teeth only some ridges.
The Panties Ch. 02— Jaclyn's Discovery (Jaclyn comes home and finds out).
Office Discipline Ch. 02— Sarah is surprised by her body's reaction.
Alone— It's about 3am, and nothing to keep me company.
Oh My! Ch. 03— A welcome surprise.
A Missive in Ecstasy— She never passes up an opportunity for pleasure.
Masturbation Diaries: Longer Orgasm— Learning how to extend and go hands free with my orgasms.
A Little Wanton Behavior— Whetting my appetite for you in more ways than one.
Football Practice Ch. 02— Extra time.
Every Part of Me— A girl takes a long walk on the beach.
Instructions for a Sex Slave No. 03— Your instruction continues.
Self Therapy! Ch. 02— I'm getting to grips with my curiosity.
Self Therapy! Ch. 01— I decided to question my sexuality practically.
The Boy Next Door— Grace discovers her sister's secret sordid world.
Tamed Cougar Ch. 04— Tammy takes a trip to meet her mistress.
Edward Lane's Argosy Ch. 07— The suddenly appearing thief.
Late Night At The Pool— A late night fantasy fulfilled.
Kalodin's Violin— We watch as Kalodin's violin music ravishes Mrs M.
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Xi-Cheng Zhang, Editor-in-Chief
Rodislav Driben, Yi Hu, Zhigang Chen, Boris A. Malomed, and Roberto Morandotti
Rodislav Driben,1,2,* Yi Hu,3 Zhigang Chen,4 Boris A. Malomed,1 and Roberto Morandotti3
1Department of Physical Electronics, School of Electrical Engineering, Faculty of Engineering, Tel Aviv University, Tel Aviv 69978, Israel
2Department of Physics & CeOPP, University of Paderborn, Warburger Str. 100, Paderborn D-33098, Germany
3INRS-EMT, 1650 Blvd. Lionel-Boulet, Varennes, Québec J3X 1S2, Canada
4Department of Physics & Astronomy, San Francisco State University, San Francisco, California 94132, USA
*Corresponding author: firstname.lastname@example.com
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MEXICO CITY (AP) — Mexico's top security official said Friday that far fewer people disappeared during Mexico's drug war than were feared when the government released a list of about 26,000 cases.
Interior Secretary Miguel Angel Osorio Chong said federal and state governments are working to weed out people who have been located. He noted that many of those included on the original list of 26,121 released earlier this year had left home for personal reasons or emigrated.
He says a new list will be released with a few months and "it will be much lower."
The list was compiled by the administration of former President Felipe Calderon, and largely covers disappearance reports from his 2006-2102 term. Osorio Chong said some of the people on the list had returned to their families, but relatives never bothered to cancel the original missing person report.
The issue has become a sensitive one in Mexico, where kidnappings are rife and thousands of people say their relatives have been abducted by drug gangs.
Osorio Chong also claimed that the number of deaths related to the drug war has been steadily dropping, and he expects that by the end of the month, figures would be about 20 percent lower than the same period of 2012. He said figures show about 34 drug-related killings per day so far in May, down from 41 in the same period in 2012.
However, experts have questioned what they say is atypical behavior in the statistics.
The Interior Department reported in April that drug-related deaths fell 14 percent from December to March, as compared to the same period a year earlier. But non-drug-related deaths rose by 6.8 percent during the same period, raising the question of whether some deaths were reclassified to improve the country's image and to help President Enrique Pena Nieto appear to meet a key campaign pledge: to reduce drug-related violence.
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The ODSL BRYC Gunners (rising U13 Boys) are looking for an Coach to work with Coach Mohamed Diaw, one of BRYC's most respected and successful coaches, starting as early as this Summer. The Gunners also have vacancies to fill for their upcoming Fall 2015 season. Coach Mohamed is looking specifically for players to fill the Midfielder positions. If you are interested in the coaching position or trying out, please contact Coach Mohamed Diaw directly at firstname.lastname@example.com.
Five of the six BRYC ODSL teams entered in the prestigous PWSI Icebreaker Tournament reached the finals in one of the area's most competitive pre-season tournaments.
After getting its feet wet with one squad in the Spring 2013 season, BRYC Recreational Soccer fielded twelve teams in the Old Dominion Soccer League (ODSL) in the Fall 2013 and Spring 2014 seasons, and returned with fifteen teams in the Fall 2014 season, with the loss of the founding "Rage" girls but the addition of two new squads of U9 Boys (coached by Erin Silks and Mike White), U9 Girls (coached by Kyle Alllison), along with a new U10 Girls squad (coached by Brian Godlove). After a dominating fall season, BRYC United, a U10G squad has elected to play up at the U11 level during the Spring 2015 season.
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Click on the team names below the photos to go to the individual team pages on the ODSL web site for schedules, scores, and standings.
BRYC Thunder BRYC Force BRYC United
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107 Rentals · Port Macquarie
107 Rentals · Port Macquarie
Our comfy, spacious & private unit set in a rainforest with fabulous views to the lighthouse & sea will be a great stopover or destination for up to 4 people. Guaranteed relaxation, so close to coastal walks & beaches and a short drive to the CBD. Learn More
Welcome to our little bit of paradise in a most beautiful part of the coast! Port Macquarie is a great destination in itself, but a PERFECT half-way stop between Sydney and Byron Bay/ Brisbane. To appreciate the beauty of Port Macquarie we suggest you have at least 2 nights so that you have a full day to explore the numerous sights. We have a large, modern and artistically decorated house with a completely private, large( over 40 sqm)self-contained space on the lower level to offer. It...
Port Macquarie
My cute beach house has white painted floors in the living areas, which give the place a nice open feel! It comfortably fits four, is an easy walk to the beach, there is plenty of parking in the street, plus the driveway. Learn More
My house is light and airy and comfortably sleeps 4 people. The whole house is available,with a lovely private outdoor area, and off street parking. I travel a lot but Sheree is not far away if you should have any problems I love the area, it's so easy to walk to the beach or the shops. You can walk into town which takes about fifteen minutes. There is a bus stop at the end of the street, which goes into town. There is plenty of parking. There are taxis from the airport.
Port Macquarie
Great place to stay- short walk to the beach (4oo metres), close to local shops and shopping centre in the beautiful Lighthouse Beach area. Great surfing spot! Friendly and quiet in a terrific neighbourhood. Learn More
Port Macquarie
A perfect stopover btw Sydney and Brisbane! We warmly invite you to stay with us and if time allows stay at least 2 nights and explore our pristine beaches to the hinterland with over 52 things to see and do in Port Macquarie! Native wildlife abound! Learn More
We are a couple who have developed a peaceful environment 3 minutes in the car from beautiful Shelley beach on the mid North Coast of NSW,which boasts pristine beaches and hinterland. We have just celebrated our one year anniversary as hosts on airbnb .There is so much to see and do here including Wineries, Golf, Bowls, Koala and Kangaroo spotting also Camel riding on Lighthouse beach and strawberry picking! feel free to join us for dinner at an agreeable price ( $10 Vegan,Vegetarian or $15...
Port Macquarie
Our funky 2 bedroom apartment has a bright and airy NE aspect with ocean views from living areas, balcony and main bedroom. Quiet street, security building just 200m to Town Beach. Coffee, restaurant and club at your door. Walk to CBD. Free WiFi. Learn More
We are very excited to present to you our newest holiday apartment. It enjoys a NE aspect on the 6th floor, with ocean views to the east and north and city views to the south. Bedding configuration is Queen Bed in the main bedroom, and 2 singles in the second bedroom. There is room to sleep another two persons, one on the huge sofa and the other on the ottoman bed. Living areas are bright and airy, with awesome views and I've collected a mix of funky, comfy and functional furnishings and bi...
Port Macquarie
Located 4 kilometres from Town Centre and within walking distance to 3 beaches this comfortable and clean 3 bedroom, ground floor apartment offers you a tranquil rainforest outlook, a beach house atmosphere and all the comforts of home. Learn More
Located 4km from Port Macquarie town centre and just a short walk to your choice of 3 beaches, this comfortable and clean, 3 bedroom, ground floor apartment offers you a tranquil rainforest outlook, a beach house atmosphere and all the comforts of home. A perfect spot to relax and enjoy the delights of the Port Macquarie Hastings region. The apartment is also ideal for an overnight stopover to break your journey along the highway. Just bring some food and prepare a relaxing meal in our w...
Port Macquarie
Enjoy the beautiful coastal delight of Port Macquarie from your own quiet, private "mini-apartment", within a 5 minute walk to Shelly Beach, Sea Acres Rainforest eco-centre & Café, coastal tracks and so much more. Where rainforest meets the beach!! Learn More
Private "mini-Apartment" is a haven at the rear of our home, where the cacophony of birds, frogs and koalas make themselves heard in the adjacent 'rainforest corridor'. ENJOY: •bedroom with comfortable queen bed, BIR, rainforest outlook •private lounge room, flatscreen TV, DVD player, ceiling fan, board games, books, breakfast table overlooking the pool •separate computer nook •bathroom with double bath separate toilet •kitchenette; fridge, microwave, toaster, kettle, skillet, sandwich ma...
Port Macquarie
We are in beautiful Port Macquarie just 5 mins drive to CBD, restaurants, cafes and beaches. Our one bedroom unit is set over our home reached by an external staircase with views to town, mountains and glimpses of local beaches .Facilities include laundry and a pool to share. Learn More
Our self contained unit has one queen size bed. It also has a complete kitchen and laundry. There is a balcony where you can sit,relax and watch the sunset. Your space is totally self contained with laundry facilities included. There is a standard kitchen, microwave oven and a bbq on the balcony. We have a vegie patch that you are welcome to use for your cooking needs and are currently looking into some chickens for fresh eggs! There is also a pool that you are welcome to share . We en...
Port Macquarie
Guest Rooms @ $65.00 P/N (3 Available) Peaceful Retreat close to Prestine Beaches, CBD, Shopping, Restaurants, Cafes, Medical Facilities, Marina, Countless Water Recreation & ALL THAT PORT MACQUARIE HAS TO OFFER! ' FREE WIFI ' & SPA Learn More
Port Macquarie
Port Macquarie is a magical place and The NEST is only a couple of minutes from the heart of town, pristine white sandy beaches and endless beautiful beachside walks. Many trendy cafe's and restaurants close by to tantalise your taste buds. Learn More
Our guest room is french provincial with inviting touches that will truly make you feel at home. You will get to sleep on a quality queen sized bed which is made up with quality linen to match. When you spend time with us, you will be provided a hearty continental breakfast or a hot gourmet breakfast by arrangement - ($15 pp). We are more than happy for you to prepare lunches or light meals in our kitchen and you are most welcome to help yourselves to any produce from our lovely vegetable ...
Port Macquarie
- Large private room with wardrobes - Close to town - Moments to Port beaches - Large living spaces - Stay with easy-going young couple - Adorable dog to play with! Learn More
Port Macquarie
Across the road to the beach our Cottage was built for 2 - and has a true beach feeling! You can see the ocean from the gate, walk to 7 white sand beaches. Perfectly private with 2 sunny courtyards, a lavender garden & a block to shops & Cafes Learn More
For 2 Guests looking for a free-standing, private beach cottage all to themselves - Lavender Cottage Beach House is ideal. It is fully self-contained & was purpose built for 2 people -set in a leafy lavender garden and across the road to the beach. Although we meet our Guests on arrival- and are always available if they need advice-we live 5 minutes drive away so the cottage is theirs alone to enjoy - no other Guests - just the two of you. The cottage is ideally situated in a beachside r...
Port Macquarie
Comfortable bedroom with Queen size bed. Ceiling fans through out the house. Right opposite Shelly Beach with Harry's Lookout across the road and steps down to the beach. Close to town and bus stop 30m from home. Learn More
* Neutral colour pallet with natural timber floorboards * Three toilets, bath in main bathroom and ensuite in main bedroom * Three spacious bedrooms - 2 with queen size beds, 1 with double bed - with built in robes * Your own laundry and clothesline * Single carport * Private tropical style courtyard Close to convenience shops, transport to Port Macquarie CBD, pristine swimming and surfing beaches and local restaurants Your bedroom, bathroom opposite bedroom. (if other guests stay in ...
Port Macquarie
We designed Flynns Retreat bed & breakfast to give you a real holiday experience with all the comforts and privacy of home. The accommodation is fully self contained so you can come and go as you please. We have been operating for 6 years (only recently with airbnb) Learn More
Flynns Retreat has one spacious bedroom, a full kitchen, living area, stunning bathroom and includes continental breakfast. Guests also have an outdoor area to dine. The swimming pool, garden, BBQ and laundry are all shared. Flynns Retreat is fully self contained with it's own entrance, so it is up to the guests if they wish to interact with us. We are very friendly and approachable and always available for a chat or to give out information about Port Macquarie. What don't we love abo...
Port Macquarie
The location is perfect for walkingto the beach. There is a lovely coastal walk on your doorstep. The Koala Hospital is a popular destination within easy reach of the property. A bike can be loaned to help you get around if required. The house is very clean and tidy. Lots of massage therapist practising in the street to help you rela. Learn More
Homely and comfortable. Main bathroom, kitchen and lounge room.
Port Macquarie
We have a light airy double bedroom with private ensuite bathroom, flat screen TV/DVD player and own access. Bedroom looks out over garden and reserve, situated in a quiet cul de sac and walking distance to beach, bus stop, supermarket and cafes. Learn More
The bedroom and private ensuite look out over the garden and peaceful rear reserve. Crisp white organic cotton bedsheets and comfortable feather/goose down doona complete your experience! Our secluded house is situated in a quiet cul de sac and is walking distance to Lighthouse Beach, supermarket, bus stop and local cafes. Guests are very welcome to cook in our well equipped kitchen or eat out at the many local cafes and restaurants, your choice! 200mtrs to bus stop to town (5kms) for mo...
Port Macquarie
Clean, light and airy with bushy out. Book now 1 or 2 private bedrooms. One with Queen Bed, other Bedroom with one with own bathroom. Minutes by car to local beaches, cafes, restaurants, and night life. Included free Wi- Fi also linen towels. Learn More
Bedroom with Double Bed and with single if needed 2 with Double Bed and with single if needed 2 bathrooms in house, Large kitchen Nice bushy outlook light airy home 10 minutes drive to beaches and town 5 min walk to bus stop and local shops. Often whole house is available to rent. THINGS TO DO: Fish , swim , surf , or sunbake on this magnificent beach. When you are finished relaxing there are plenty of activities in the area........... Whale and dolphin spotting. Learn to Surf ...
Port Macquarie
"180 DEGREES of VIEW" ........... "180 Sqm of SPACE" This space is yours and yours alone. Your home away from home. Perfect for work or play or a simple halfway stopover between Sydney and Brisbane. Enjoy magnificent location, quality furnishings and 180 degree views. FEATURES ** Huge Space** Breathtaking beach and lighthouse views. ** 200 Metres walk to Beach ** 300 metres walk to Local Shops, Coffee Shops,Restaurants ** Walk to Post Office, Doctor,...
Port Macquarie
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The West is making the same mistakes and spinning the same lies to plunge Syria into the the same road of destruction. Supporting terrorists in Syria will see those very people once in power return our troops in body bags!
If selected for publication, it will appear as soon as possible on Haaretz.com.


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Ciara Pregnant? Alleged Baby Bump Shown in New Bora Bora Vacation PHOTOS With Fiancee Future
Ciara continues to fuel pregnancy rumors after recent Instagram pictures of her alleged baby bump.
Ciara continues to fuel pregnancy rumors after recent Instagram pictures of her alleged baby bump.
While the Body Party singer has yet to confirm or deny if she's expecting a baby with fiancee, Future, she is keeping her fans in the dark as she continues to cover up her midsection.
She recently shared more photos from her vacation in Bora Bora with Future. While she previously posted pics of her stomach not shown, her latest image proudly showed off her full figure that indicated a bigger belly than usual.
Her fans seem to think so too.
"You are pregnant Cici! I still love you though," a fan wrote.
"Ciaraaaaa my goddess. You carry love well," another wrote.
Whether or not Ciara is pregnant, one thing she is focused on the New Year is her career.
In a letter posted on Instagram, she praised her fans and thanked those who have been supportive along the way, including Future.
"As I sit back and reflect, I think WOW, what a year this has been. On many levels, Personally, and Professionally. What a difference a year can make! I can honestly say this has to be the happiest years of my LIFE. I put emphasis on the word "Life" because after 10 years plus of doing this, I am more clear than ever that you have to have Your life in balance in order to have balance in everything else."
"As the days will be up when they're up, and days will be down. In mostly all cases, people move with that current:) They're your friend when it's all good, and distant friends when it's not so good," she added.
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There is a skepticism about plastic surgery: Who can get this and why people choose it? It is a common question because it was never discussed between two people or in the media due to the fact that plastic surgery was only for a particular targeted market. Hollywood celebs and other wealthy people were aware of this, so the subject never discussed openly. However, things have changed and now plastic surgery is too mainstream. Of course, everyone can get this. Plastic surgery has progressed beyond anyone's expectations from its early stages and new engineering, including the utilization of lasers for the liposuction procedure has made more choices open for more people to get that ideal look they desired.
Also that ideal look is no more directed exclusively by Hollywood principles. Liposuction is one of the main procedure in plastic surgery because people who try hard to reduce their weight still get no progress with exercises and diet. The liposuction enables the fat reduction so that a person can get rid of fat; however, exercises and a good diet is always good to maintain a healthy lifestyle. Not everyone wants to be tom cruise; people like you and me want to reduce fat for a healthy lifestyle. One can help his or her body by reducing fat.
Women who have small breast also struggles with confidence and this causes this procedure to be the most popular in plastic surgery. Every woman wants to enhance her features and this can't be done without breast augmentation. However, women who are choosing this procedure only to please their guys, are completely wrong. Because one should not do anything to her or his body for someone else. If it is your wish, then do it. Be happy in whatever you do.
Concerning who is settling on plastic surgery, it may shock you to realize that both genders (men and women) of all ages are choosing plastic surgery. Perhaps this is on the grounds that the disgrace once associated with changing your look or features is gone as people like the thought of changing their defects. So the bottom line is every one of us can get plastic surgery. This is a way to transform oneself in a good as well as a positive way. Plastic surgery is being appreciated by the world and everyone gets to choose plastic surgery.
What lengths would we go to attain perfection! Many people complain about their physical appearance all the time. We each have a friend who's not satisfied by the way they look. Most women often say that they would gladly exchange their features for someone else's. It all comes down to being dissatisfied with the way we look.
As time passes people have started creating distorted versions of beauty. What was considered beautiful a decade ago no longer holds true. Beauty is inspired from photo shopped faces of famous models. Young girls try to imitate them and look like them too. Many turn to surgical procedures.
Whether cosmetic surgery is good or bad is not a debate we are getting in to. However the following things must be kept in mind when undergoing a cosmetic procedure
Research, research and then research some more. Since going under the knife has physical and mental repercussions you might benefit from going to someone who's considered the very best.
Also take mental note of the fact that how many such procedure does this person does in a year. The busier they are the more practice they have.
It would be a good idea to make sure that the person you are going to is a licensed plastic surgeon and not some quack who might end up making you look like an abomination.
Also be sure to ask around. Try and meet up a few of the people who have surgery performed upon them by the particular surgeon. This will give you a good idea regarding the results of the plastic surgeries that they perform.
Be aware of the fact that plastic surgery can be a difficult procedure which involves a great deal of pain. Be prepared to suffer from the nips and tucks. It saves you from sudden attacks of anxiety after the procedure. In other words simply brace yourself for the pain.
Set goals which are realistic. Though wanting to have a beautiful nose is not such a bad thing but wanting to have one like so and so celebrity is not such a good idea. Nature has made your face in proportion. Getting a nose which is too thin or long for your face might only end up making you look worse.
Also keep in mind your natural body size when it comes to breast implants. If you have a petite frame chose implants which look natural. Also be wary of surgeons who think you can get away with a size DD.
Getting a cosmetic surgery is a major decision. It would help if you get support in the form of a caring spouse or a friend after undergoing any procedure. This improves you chances of healing and also ensures a speedy recovery. Last but not the least, listen to your doctor's advice. Take all your medication on time. In case of liposuction make sure to wear a girdle and also ask your doctor the exact length of time you should be wearing it.
All these factors would contribute to your successful cosmetic surgery which is without complications.
If you have a question about cosmetic dentistry contact a local dentist
If you have a question about cosmetic surgery contact a local plastic surgeon.


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June 17, 2014
We have recently ordered and installed a full sized Federal Hybrid series (order 3719) and installed 8 WD 3TB drives on the unit. We have had several issues getting the device to work correctly with the redundant drives, several of them show no recording start time in the software, I had worked with Jesus Ragusa and we saw that the unit is recording to the redundant drives as we can playback video from the redundant drives from the unit itself.
No we have several cameras that record to HD Group 2 that we can not view any video prior to June 6th, and the unit only sees 7 hdd's. We need to some assistance figuring out what is happening with this unit.
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Firefighters who responded to a call for medical assistance on Gum Creek Road Saturday were ambushed by a woman who leapt out of the bushes armed with a shovel and began chasing them while shouting threats such as "I'm going to kill you."
COLUMBIA, S.C. (AP) - Volvo Cars will build a $500 million plant - its first in the U.S. - in South Carolina and eventually employ up to 4,000 people there, the company announced Monday.
The Board of Commissioners made discussed several major issues at Tuesday's meeting, including hiring a new county manager and reaching out to the city for additional funds to help save the library.
When Covington fire fighters returned from a fire on West Street recently, their clothes, or "turnout gear," were covered in soot produced from the synthetics burned in the apartment blaze.
Anthony Wayne Johnson will retire as one of the City of Covington's most treasured employees this month after logging nearly 31 years of service.
IN BRIEF: Traffic on Interstate 20 eastbound is backed up starting near the Salem Road exit stretching to the West Avenue exit. A pickup truck was involved in an accident on I-20 eastbound and emergency vehicles are in the right lane. Drivers are advised to use alternate routes.
The Covington City Council continued working on its 2015 fiscal year budget Thursday, and among the topics was a 3 percent increase in insurance.
The Headless Horseman will soon join vampires on Conyers film sets, as Fox's popular supernatural TV series "Sleepy Hollow" moves its production here.
The Board of Commissioners began discussing ways to rein in legal fees at Wednesday night's budget meeting, hearing recommendations from County Manager Tom Garrett and a proposal for in house legal services from Commissioner Nancy Schulz.
The first draft of the proposed FY16 budget sees an increase of $11,998,261 to $59,722,158, which the Board of Commissioners will start hammering back down in the coming weeks.
State Representatives Dave Belton (R-Buckhead) and Pam Dickerson (D-Conyers) announced that Governor Nathan Deal signed Kelsey's Law, or SB 160, into law at the State Capitol on Tuesday, May 5, 2015. Rep. Belton attended the bill signing ceremony for Kelsey's Law, which aims to protect minors from cyberbullying.
A fight over a bag full of personal items led to an arrest Saturday afternoon after one woman hit the other in the face in front of deputies.
Sam and Becky Ramsey and Ramsey Furniture Co. made a $2,500 donation to the Arts Association at the "Splittin' the Raft" performance on Oct. 7. The play, performed by Kennesaw State University, under the direction of Harrison Long, integrated the speeches of Frederick Douglass with Mark Twain's "Huck Finn." In addition to the public performance, the play was presented to high school American literature and drama students in the morning with a workshop for drama students that afternoon. Other sponsors to the event included Michelin Tread Technologies and Springfield Baptist Church.
Do you want to avoid the Holiday Slump? The Covington YMCA will be hosting "Get Off the Couch Week" Nov. 12-19 to help you get active and stay active. All group exercise classes will be offering new music and new moves to help keep your workout fresh. Prizes will be awarded to members for attendance and bringing friends to join the fun!
The Newton County NAACP chapter won two awards at the annual state conference, Sept. 29-Oct. 2, at the Marriott in Atlanta.
For the second year in a row, Newton Federal Bank has joined with the Senior Housing Crime Prevention Foundation, the Independent Community Bankers of America and the American Bankers Association to ensure that 40,000 veterans living in 160 state veteran nursing homes in the U.S. are able to live out their lives in safe, secure, enhanced quality of life environments free from the daily fear of crime, abuse, neglect, hostility and deprivation of personal freedom, as provided through the Senior Housing Crime Prevention Foundation's Senior Crimestoppers program.
The balance of power in Newton County's government is expected to shift away from the chairman after three county commissioners gave their consensus Monday night to hire a county manager who will report directly to the board of commissioners.
In Mansfield's two contested races, Marty Smallwood defeated incumbent Orville McGunigal for the Post 1 race, and Lisa Dunn beat out David NaDell in the open Post 4 race.
Check back to this page tonight for breaking elections results. In the meantime, make sure you take the time to vote. Elections in Covington historically have a small turnout. In 2007, there were only 1,309 votes cast in the mayoral election, so every vote matters.
The balance of power in Newton County's government is expected to shift after three county commissioners gave their consensus Monday night to hire a replacement administrative officer who will report directly to the board of commissioners, but no longer report to the chairman.
Newton County Chairman Kathy Morgan does not want the board of commissioners to create a county manager position before the matter has been studied and presented to the public.
Several Covington and Porterdale candidates owe at least one fine to the State Ethics Commission for filing a campaign report late, but nearly all of them have at least filed the required reports.
Golfing was one of the first activities to decline during the economic downturn. Four years later, Bryan Raines hasn't seen enough improvement.
The future of Newton County's government will be discussed at a work session at 7 p.m., Monday at the Historic Courthouse when county commissioners discuss whether to switch to a full-time county manager system.
The Newton County Recreation Commission held its annual cheerleading competition Saturday at Alcovy High School. Four division champions were crowned. The Bulldogs took the Training League title, edging out a spirited effort from the Tide while the Seminoles captured the Division 1 championship in the second event of the day. In Division 2 it was the group representing the LSU Tigers that took home the first-place trophy, staving off a fierce challenge from the Gators. In the final meet of the day, the Gators set the tone with a stirring performance to open the Division 3 competition and looked like ...
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November 1, 2007
Coffee Break: Signs of Progress
In your space, you talk about the signs of progress you've seen in the sheltering field'and the challenges we still face.
September 1, 2007
Better Cooperation Leads to Better Outcomes in Vermont
A new system that streamlines responsibilities for handling cruelty cases is helping the Addison County Humane Society in Vermont achieve better outcomes for animals.
September 1, 2007
Dogfighting in the Spotlight
Though no one is celebrating the circumstances of the case, Michael Vick's celebrity status put a needed spotlight on dogfighting.
July 1, 2007
The 101 Department: Animal CSI: Gathering the Evidence
Animal cruelty cases may end in the courtroom, but they start at the scene'and they can be made or broken by the quality of the evidence you gather. Here's a beginner's guide to assembling the pieces of your case.
January 1, 2007
Constructing Personal Identity in Animal Shelters
Sociologist Arnold Arluke examines shelters' euthanasia policies from an unusual perspective: How do they affect the way shelter workers define themselves?
August 1, 2006
Dogfighting Investigations: Where We Stand
State by state, city by city, the humane movement has made progress in combating dogfighting, but we have a long way to go before ending the crime that brutalizes thousands of pit bulls and other breeds every year. This feature section provides a look at the state of dogfighting in the United States, offers tips on working with police to investigate and prosecute dogfighters, and outlines the additional care that former fighting dogs require in the shelter.
May 1, 2004
A Breeze of Goodness in an Unlikely Place
Puppies Up for Parole, a training program for shelter dogs run by the Nevada State Prison and the Nevada Humane Society, changes the lives of both the dogs and inmates involved.


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VIEWS: 1,873 PAGES: 4 CATEGORY: Financial Statements POSTED ON: 7/16/2008 Public Domain
This is an example of cancellation of indebtedness. this document is useful for studying cancellation of indebtedness.
IRS Form 1099-C: Cancellation of Debt Overview This brochure is designed to provide information and instruction for individuals who have received a Cancellation of Debt IRS 1099-C. Foreclosure of Home If you have http://www.irs.gov/newsroom/article/0,,id=174034,00.html reached a compromise or settlement with a creditor agreeing to release you from any further obligations regarding the repayment of a debt, a credit card debt for example, your responsibilities may not end at this point. Your creditor may "write off" all or part of the debt it claims that you owe, and report it as a tax loss to the IRS using a 1099-C. Because you never paid the debt-claim in full, the IRS can treat a cancellation of a debt-claim as income you have received. For example, $4,500 credit card bill in which a compromise has been reached to settle the debt for $2,500 is in theory a $2,000 personal net gain. The IRS may require you to report this as income you have received for the tax year even though you have not actually received the money. Why did I receive a 1099-C: Cancellation of Debt form? If you have defaulted (failed to make payments as agreed) on a debt in the past and you have either reached a compromise with a creditor to settle your debt, or the creditor has deemed the debt to be non-collectable and has stopped attempts to recover, you may receive a 1099-C form. The IRS definition of a compromise in a collection case is the discharge of indebtedness under an agreement between the creditor and the debtor to cancel the debt at less than full consideration. What is a 1099-C: Cancellation of Debt form? A 1099-C form lets you know that a creditor is going to "write off" the remaining unpaid portion of your debt. An IRS 1099-C: Cancellation of Debt form is filed by a creditor to the IRS when a settlement agreement between a debtor and a creditor has been reached or when a creditor has determined that a debt will never be paid. If the debt is for $600 or more the creditor must send you, the debtor, a 1099-C in the mail by January 31st and to the IRS by February 28th of the tax year in which the debt was discharged. What should I do after I receive a 1099-C: Cancellation of Debt form? If you receive a 1099-C form from a creditor, you must report the amount of the canceled debt as income to the IRS even though you have not actually received the money. (The amount shown in Box 2 of the 1099-C form is the amount that must be reported as income.) Page 1 of 4 www.lsnv.org 2/25/08 What debts are forgiven under a 1099-C: Cancellation of Debt form? The IRS recognizes five situations where a cancelled debt does not have to be reported as income. 1. Bankruptcy – the debt was already discharged through a bankruptcy proceeding. 2. Insolvency – your total debts exceed your total assets at the time your debt was settled or deemed non-collectable. 3. Indebtedness is due to a qualified farm expense. 4. Indebtedness is due to certain real property business losses. 5. Discharge of your debt was treated as a gift. (Extremely rare) If you are insolvent you need to explain this to the IRS in one of two ways. 1) By filling out IRS Form 982: Reduction of Tax Attributes Due to Discharge of Indebtedness or 2) Attaching a detailed letter to your tax return explaining the calculation of your total debts and assets. How do I know if I am insolvent? You are deemed to be insolvent if your total liabilities (debts) are greater than your total assets. Completing the insolvency worksheet at the bottom of this document will help you determine if you were insolvent at the time your debt was discharged. For example, if your total liabilities are $8,000 and your total assets at the time are $6,000 you are insolvent in the amount of $2,000. To determine the value of your assets use the fair market value rather than what you paid for them or what you think they are worth. If you are insolvent you need to explain this to the IRS in one of two ways. 1) By filling out IRS Form 982: Reduction of Tax Attributes Due to Discharge of Indebtedness or 2) Attaching a detailed letter to your tax return explaining the calculation of your total debts and assets. Helpful tips to avoid problems if you have received a 1099-C. If you settle your debt for less than full consideration (paid in full) be sure to ask the creditor if they intend to submit a 1099-C form to the IRS. Consider, if a debt compromise is in your best interest, or is it a smarter decision to pay the debt in full? Failure to report added income could end up costing you in the end. The name of the creditor may not be readily recognizable on the 1099-C form. The creditor may have sold the debt to a third party collection agency or the name of the parent company could be listed as the creditor. Look to see if the added income received from a debt cancellation will move you into a higher tax bracket. For a taxpayer in the 35% tax bracket in Page 2 of 4 www.lsnv.org 2/25/08 2005, a $5,000 canceled debt could cost up to $1,750 in additional income taxes. You can not claim that you never received a 1099-C form in the mail. Even if you do not receive a 1099-C form you are expected to recognize a capital gain. IMPORTANT: For individuals receiving public benefits and public housing. Be sure to check if your updated income will exclude you from the benefits you are receiving. The author, Ian Agster, is law student and summer inter at Legal Services of Northern Virginia. [Insolvency Worksheet Below] Statement of Total Assets and Liabilities To Determine Insolvency Name: _______________ SS #: _______________ Tax Year: _______________ Assets as of _______: Liabilities as of_______: Home: $________ Credit Card Debt: $________ Car: $________ Mortgage: $________ Bank Accounts: $________ Loans: $________ Page 3 of 4 www.lsnv.org 2/25/08 Personal Property: $________ Car Payments: $________ Other: $________ Other: $________ Other: $________ Other: $________ Other: $________ Other: $________ TOTAL ASSETS $________ TOTAL LIABILITIES $________ TOTAL LIABILITIES – TOTAL ASSETS = $_____________ Amount of Insolvency (Note: In order to be insolvent total liabilities must be greater than total assets.) Legal Terms Creditor – A person or corporation to whom a debt is owing by another person who is the "debtor." Debtor – One who owes a debt to a creditor. Write off – To cancel from accounts as a loss. Default – To fail to pay money when it is due. Fair Market Value – Price at which a willing seller and a willing buyer will trade. Net Gain - An increase in the value of a capital asset. Page 4 of 4 www.lsnv.org 2/25/08
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By: Estina54
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Runtime: 1:40
Date: 3 years ago
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3 years ago
a hot fucking mess lol
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3 years ago
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