text:
In response to a buyer submitting a check as payment for a transaction with a seller, a check guarantee service determines whether to guarantee the check as payment for the transaction, and offers a membership in the guarantee service to the buyer. Members are issued a user identification number to the buyer and are prompted to select a personal identification number. In subsequent transactions, the member provides his/her user identifier number to the seller for the automatic guaranteeing by the guaranteeing service of the check as payment for the transaction. Members can be awarded points each time the member uses the guaranteeing service to guarantee a check. The points can be converted into digital currency usable for purchasing goods and services.
1. A method of guaranteeing a check presented as payment for a transaction involving a buyer purchasing goods or services from a seller, said method comprising the steps of:
verifying by a check guarantee service a buyer's bank transit number and bank account number of the check presented;
determining by the check guarantee service if a negative file exists for the buyer;
calculating a transaction risk score that is a measure of a risk involved with the transaction;
determining whether the transaction risk score represents an acceptable risk for the seller with respect to the transaction;
guaranteeing the check as payment for the transaction in the event the risk is acceptable to the seller;
offering to the buyer an option to be a customer member in the check guarantee service;
issuing a user identification number to the customer member in response to the buyer accepting a membership in the check guarantee service; and
offering the customer member a membership in a loyalty program of the check guarantee service.
2. The method of
3. The method of
in response to the prompt, the customer member selecting the personal identification number.
4. The method of
5. The method of
6. The method of
7. The method of
8. The method of
dialing the buyer's telephone number to confirm that it is in service and not disconnected;
re-calculating the transaction risk score based on additional factors including the buyer's area code, the seller's area code, and whether the buyer's telephone is in service; and
re-evaluating whether the transaction risk score represents an acceptable risk to the seller with respect to the transaction.
9. The method of
10. The method of
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12. The method of
13. The method of
14. The method of
15. The method of
16. A method of guaranteeing a check presented as payment for a transaction involving a buyer purchasing goods or services from a seller, said buyer being a customer member of a check guaranteeing service, said method comprising the steps of:
the customer member providing a user identification number to the seller; and
the seller providing the user identification number to the check guarantee service for the guaranteeing of the check presented as payment for the transaction.
17. The method of
18. The method of
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24. The method of
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27. A system of guaranteeing a check presented as payment for a transaction involving a buyer purchasing goods or services from a seller, said system comprising:
means for a check guarantee service to verify a buyer's bank transit number and bank account number of the check presented;
means for the check guarantee service to determine if a negative file exists for the buyer;
means for calculating a transaction risk score that is a measure of the risk involved with the transaction;
means for determining whether the transaction risk score represents an acceptable risk to the seller with respect to the transaction;
means for guaranteeing the check as payment for the transaction in the event of acceptable risk to the seller;
means for offering the buyer the option to be a customer member the check guarantee service;
means for issuing a user identification number to the customer member, in response to the buyer accepting a membership in the guarantee service; and
means for offering the customer member a membership in a loyalty program of the check guaranteeing service.
28. The system of
29. The system of
means for the customer member to select the personal identification number, in response to the prompt.
30. The system of
31. The system of
32. The system of
33. The system of
34. The system of
means for dialing the buyer's telephone number to confirm that it is in service and not disconnected;
means for re-calculating the transaction risk score based on additional factors including the buyer's area code, the seller's area code, and whether the buyer's telephone is in service; and
means for re-evaluating whether the transaction risk score represents an acceptable risk to the seller with respect to the transaction.
35. The system of
36. The system of
37. The system of
38. The system of
39. The system of
40. The system of
41. The system of
42. A system for guaranteeing a check presented as payment for a transaction involving a buyer purchasing goods or services from a seller, said buyer being a customer member of a check guaranteeing service, said system comprising:
means for the customer member to provide a user identification number to the seller; and
means for the seller to provide the user identification number to the check guaranteeing service for guaranteeing the check presented as payment for the transaction.
43. The system of
44. The system of
45. The system of
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[0001] This application claims priority from Murphy, et al., "Check Guarantee, Verification, Processing, and Collection System Awarding Purchase Points For Usage Of Checks", U.S. Provisional Application No. 60/238,104, filed Oct. 4, 2000, incorporated herein by reference.
[0002] The present invention relates to a method and system for interactive check guarantees from a guarantee service over a computer network or over a telephone connection.
[0003] Checks make up the nation's largest non-cash form of payment. It is estimated that approximately 90% of American households use checks to pay for retail purchases, and that over 30% of the transactions completed at the point of sale are paid for with checks. It is also estimated that the average value of retail check sales is almost 20% higher than the average retail sale. In addition, a large fraction of Americans either do not possess a credit card or do not qualify for the issuance of a credit card, and thus for these people checks are the only non-cash alternative for paying for purchases.
[0004] Because so many customers and buyers prefer to pay with checks, many sellers and merchants accept checks from their buyers as payment for goods and/or services. Acceptance of checks and other non-cash forms of payment provides a significant convenience for buyers by making it possible to purchase goods and/or services without having to tender cash for each transaction. This eliminates the need to carry large amounts of cash, which is seldom recovered in the event it is lost or stolen. Sellers also benefit by attracting buyers who prefer to shop at stores that accept checks.
[0005] Despite its advantages, accepting checks exposes the seller to the risk that the check will be bad, and will not be honored by the buyer's bank. This typically occurs in cases where the account on which the check was drawn has insufficient funds, or if the check had been forged. In most cases where a check is bad, sellers find it difficult, if not impossible, to collect payment or repossess the goods.
[0006] In light of the potential losses associated with accepting checks, sellers have sought ways to accurately differentiate between good checks and bad checks. Accuracy is essential because sellers want to reject as many bad checks as possible while also rejecting as few good checks as possible. Due to the nature of a retail environment, a seller's decision to accept or reject a check must be made prior to completion of the transaction, and must be made quickly while buyers wait.
[0007] Some smaller sellers may be satisfied with fairly simple precautions. For example, a seller may determine that it is willing to accept checks only from regular buyers who are known to it. This method is obviously of little value for businesses such as grocery and department stores, which typically have a large number of buyers and a relatively large number of cashiers. In settings where buyers are not personally known to the seller, some sellers are willing to accept checks if other criteria are satisfied, such as the check being drawn on a local bank and the buyer presents additional identification.
[0008] In order to provide sellers with greater levels of confidence regarding checks presented by buyers, third party vendors offer check acceptance services. In many cases, the check acceptance service actually guarantees the check to the seller based on the response to transaction data transmitted to the check acceptance service. By guaranteeing the check, the check acceptance service buys the check from the seller and assumes the risk of loss if the check is bad.
[0009] In order to provide check guarantee services to a seller, the check acceptance service must receive various types of transaction data, including payment data, identification data, and seller data. Payment data usually includes the checking account number, check sequence number, and the amount of the check. Identification data may include the buyer's name, drivers license number, telephone number, etc. The seller data is used by the check acceptance service to determine whether the seller is an active client, and to identify the services provided to the seller. Typically, a retail outlet will have a checkreader that can scan the checking account number and check sequence number from the check itself. The retailer may also have a check imager that can take an electronic image of the check. Once the transaction data is collected at the point of sale, it is transmitted to the check acceptance service.
[0010] After the transaction data is received from the seller, the check acceptance service uses the available data to determine the likelihood that the check will be good or bad. This is typically accomplished by searching a database for negative information, such as outstanding bad checks, associated with the buyer's account number or identification data (e.g., drivers license number). In addition, the check acceptance service will search its database for "positive" information accumulated from the check writer's earlier activity. All of this data is analyzed to determine the probability that the current check will be bad.
[0011] Although the presently available systems are useful to provide authorization indicia, they include drawbacks that may decrease the seller's ability to efficiently complete sales transactions. For example, the process of scanning and imaging the check takes time, delaying the sales transaction. The authorization procedure also takes time and can potentially miss a bad check. There is also a lack of an effective method whereby, for the buyer, who prefers or only has checks, to purchase goods and services via telephone sales or the internet for the seller to accept a check for payment and have the funds guaranteed. For the foregoing reasons, there is a need in the art for improved methods of guaranteeing checks.
[0012] The system of the present invention improves upon previous check guaranteeing services by providing buyers with the option of becoming customer members having membership accounts with the check guaranteeing service ("service"). In becoming a customer member, a buyer provides the service with his/her bank account number and authorizes the service to directly access the account in order to make balance inquiries and withdrawals. The customer member in turn receives an unique identifier number ("UIN") from the service and selects a personal identification number ("PIN"). Sellers and retailers can also become members of the service, and will also have their own merchant identification ("MID") numbers.
[0013] When a customer member wishes to make a purchase via a check at a point-of-sale retail establishment that is also a member, the purchase price and buyer's UIN number along with the seller's ID number are keyed into a keypad, such as a point-of-sale terminal or telephone keypad, for transmission to the service. As an alternative to the UIN, a buyer's bank transit number, account number and check sequence number can be transmitted to the service. Alternatively, each customer buyer could be issued a card with a magnetic stripe or bar code encoding the UIN number such that the number could be read by a card swipe reader. The service then checks the buyer's checking account negative data file and the service's risk management model, and based on the information available decides whether or not to approve the transaction. Assuming there are sufficient funds in the account, the service moves funds from its bank account into the seller's bank account and then requests that the buyer's bank account move funds into the service's account. If there are not sufficient funds in the account, the account is debited a second time and if necessary a third time. If at that time the check has still not cleared, a collection action is initiated.
[0014] Customer members can also make purchases over the phone or the web via check using the service. If a seller is a member of the service, the customer member can provide the seller with his/her UIN number or bank transit number, account number and check sequence number over the phone to initiate the transaction, while the web site of a member seller will provide a field for the customer member to enter both the UIN and PIN number.
[0015] Another novel aspect of the invention is an incentive program to encourage customer members to use checks as a means of payment. Customer members who sign up for this aspect of the service will receive points each time they use the service to guarantee a check as payment. These points can be redeemed as free or discounted purchases at many sellers who may or may not be participants of the service.
[0016]FIG. 1 depicts a block diagram of the system components of the present invention.
[0017]FIGS. 2A, 2B, and 2C depict a flowchart of a buyer initiating a transaction with a seller.
[0018]FIG. 3 depicts a flowchart of how a buyer is offered a membership.
[0019] Referring now to FIG. 1, the check guaranteeing system of the invention is accessible to member sellers in several ways. It is an advantage of the present invention that the check guaranteeing system of the invention can use all existing methods currently used by sellers to communicate with check services or credit card processors, and all existing methods by which buyers can communicate with sellers. In one embodiment, the seller can have a cash register or point-of-sale terminal 102 connected to the check guaranteeing service by a connection 103 such as those provided by Verifone or Hypercom. The buyer can either present him/herself at the seller's point-of-sale terminal to proceed with the transaction, or can contact the seller via a telephone connection or via a mail order.
[0020] The seller's terminals normally include a check reader that can read the magnetic ink character recognition ("MICR") characters to obtain the buyer's bank transit number, the buyer's account number, and the check sequence number, and this information is transmitted to the check guaranteeing service. The point-of-sale terminal can optionally include an imager to image the check. This image is stored for later retrieval, if necessary. In an alternative embodiment, there can be a dedicated line connecting a point-of-sale register to the check guaranteeing service via the seller's own in-house computer system. In another embodiment, a seller lacking a terminal or point-of-sale device can contact the check guaranteeing service via a telephone connection 104 and key in required information on the telephone keypad. The check guaranteeing service can also have an automatic voice response unit responsive to vocal transmissions of the required information.
[0021] In a preferred embodiment, the seller can contact the check guaranteeing service by accessing the service's web site 101, and then entering the required information via either the computer keyboard or by means of an attached check reader or imager. In another preferred embodiment, the seller maintains a web site through which a buyer can purchase merchandise. The web site of a seller who is a member of the check guaranteeing service can include checks as a payment option and can have a hyperlink to the check guaranteeing service's web site. Once a buyer selects the payment by check option, he/she is redirected to the check guaranteeing service's website, where the required information can be entered. A seller who is contacted by phone by a buyer can process then transaction by either accessing the service's website or by using a point-of-sale terminal. A seller who has received a check as payment for a mail-order transaction can process the check by any of the above methods.
[0022] The point of sale terminals or websites all communicate with a front end file handling program 110 maintained by the check guaranteeing service provider. The front end program is in turn connected to other system components, including a person file database 111, a seller file database 112, and a billing system 113. The check guaranteeing system also includes an offline risk processing program 114 that executes periodically and is connected to the person file 111 and the seller file 112.
[0023] Referring now to FIG. 2A, when a buyer contacts a member seller at step 200 by any of the above referenced methods and wishes to pay for services or goods by check, the check guaranteeing service is contacted at step 201. If an imager is present at step 202, an image of the check is scanned and stored at step 203. The check guaranteeing service then begins its determination as to whether to guarantee the check. The determination of whether to authorize a transaction is performed for both members and non-members. In the case of member, this determination guards against fraud and bad checks.
[0024] The authorization determination requires several steps, and is illustrated in FIGS. 2A, 2B and 2C. First, the check guaranteeing service verifies at step 204 the seller's identification. Once the seller has been verified, the check guaranteeing service verifies at step 205 the buyer's bank transit number, the buyer's account number, and the check sequence number. If any of these numbers is invalid, the transaction is declined at step 206. Next, the check guaranteeing service checks at step 207 its own databases and optionally one or more commercially available databases to see if the buyer has a negative credit record. One such database is that maintained by Rocky Mountain Retail Systems. If such a negative file exists, the check guaranteeing service can decline the transaction at step 208.
[0025] Other databases can also be referenced during the approval process. These databases can include, for example, a positive credit databases, which are useful in fraud detection, a service member database, various bank databases, telephone number databases, and databases of previous transaction.
[0026] Next, the check guaranteeing service performs at step 210 a risk analysis on the impending transaction to calculate a transaction risk score. Factors evaluated in the risk analysis include the transaction amount, the seller's guarantee limit, a velocity factor based on when the last transaction occurred between the seller and buyer, a dollar volume risk factor, and the maximum acceptable risk for that seller. Methods of performing risk analysis are well known in the art. The check guaranteeing service makes at step 211 an initial determination as to whether the transaction risk score represents an acceptable risk. If the transaction risk score is determined to represent an acceptable risk, the transaction is approved at step 212, otherwise additional information is requested from the buyer at step 225, as explained below.
[0027] Another factor used in assessing the risk associated with a transaction is to query the buyer's bank account balance. Currently, an account query must be performed over the phone and cannot be done automatically. However, for large transactions being conducted over the Internet, an account query can be performed.
[0028] Once a transaction has been approved, the check guaranteeing service sends at step 213 an approval code to the seller. The check guaranteeing service then determines if the buyer is a member at step 214. If not, the buyer who is not a member is offered at step 301 in FIG. 4 a chance to become a customer member of the check guaranteeing service. A buyer who is already a customer member can also apply for another membership account. If the buyer accepts the offer at step 302, he/she is issued a unique identifier number ("UIN") at step 303. In a preferred embodiment, the UIN is a 16 digit number. Once the UIN has been issued, the customer member can change the UIN to any other number. In a preferred embodiment, this number has from 9 to 16 digits. If the number selected by the customer member has less than 16 digits, the service pads the number out to 16 digits with zeros. In addition, the buyer can be prompted to select a personal identification number ("PIN") at step 304, who enters the PIN at step 305. In a preferred embodiment, the PIN is a four digit number. The PIN number is known only to the customer member who selected it, and secured by encryption within the service's computer systems.
[0029] For any future transaction with a member seller, the customer member provides his/her name and UIN when the check guaranteeing service is contacted. For some transactions, a customer member will be prompted to enter the PIN number to guard against fraud and over use. These transactions include web-based transactions and transactions involving large amount of money. The new member can also be issued a member card with the member's name, UIN and PIN encoded on the card. The encoding can be a magnetic stripe or it could be a barcode that is optically scanned. The member can then present this card to a seller to be swiped through a card reader in order for the transaction to be guaranteed.
[0030] Another aspect of the invention is rewarding customer members for writing checks via the check guaranteeing service, an aspect referred to as the incentives program. Thus, once a buyer has accepted membership in the check guaranteeing service, he or she is offered a membership in the incentives program at step 306. A customer member who is a member of the incentives program can automatically receive points in the form of a digital currency every time the check guaranteeing service is used to authorize a transaction. One example of a digital currency redeemable for merchandise, frequent flyer miles, hotel stays, and car rentals is Netcentives™ ClickRewards™ program. Thus, the customer member who accepts membership in the incentives program is awarded points for having used a check to pay for the current transaction.
[0031] Customer members can check their points by simply logging onto the check guaranteeing service's web site and using their PINs to navigate to a points page. If, however, a customer member presents a check to the check guaranteeing service that is returned unpaid by the buyer's bank, the buyer's reward points are suspended until the debt to the check guaranteeing service is cleared.
[0032] The check guaranteeing service's server is completely secure and customer member account information is not shared with sellers.
[0033] Referring now to FIG. 2C, once a transaction is approved, the check guaranteeing service will finish processing the transaction. If, however, the transaction is determined to be a web-based transaction at step 215, the check guaranteeing service wait until notification of shipping at step 216 before completing the transaction. Then, at step 217, the check guaranteeing service debits the buyer's bank account and credits the seller's bank account for the amount of the transaction via its own account, and updates its billing file at step 218. The seller's account is credited via an electronic funds transfer ("EFT"). Alternatively, if the seller has a check imager, the paper check can be converted into an EFT, and the amount of the transaction is debited from the buyer's bank account to the check guaranteeing service's account and the check guaranteeing service credits the seller's account for the amount, both by an EFT. In this situation, the buyer does not need to actually write a check. Internet and telephone transactions are processed via EFTs. In these cases, the transaction is completed when the product is shipped. The service can notify the buyer by email when the transaction is approved and when the product is shipped. If the check is returned unpaid, the seller can make a claim to the service, which then deposits the amount of the check in the seller's account.
[0034] Next, the service determines at step 219 whether the buyer is a member who is also an loyalty program member. If so, points are added to the member's point total at step 220, otherwise the check guaranteeing service sends a marketing email message to the non-member at step 221.
[0035] Returning to step 225 of FIG. 2B, if the transaction risk score is determined to represent an unacceptable risk, the check guaranteeing service continues the risk analysis at step 226 by requesting additional information about the buyer from the seller. One item of information that can be requested of the buyer at step 601 is the buyer's full telephone number, including the area code. The buyer's telephone can be called by a computer to verify that the number is connected and in service, by detecting a ring or a busy signal. The check guaranteeing service can also verify that the buyer's bank account is active by depositing a small amount of money, for example $0.01, in the account. The risk analysis continues by re-evaluating transaction risk score based on whether the buyer's telephone is in service, by comparing the buyer's area code against that of the seller to determination a state location risk, and by whether the buyer's account is active. If the revised transaction risk score is then deemed to represent an acceptable risk at step 227, the transaction is approved. Otherwise, the transaction is declined at step 228 the buyer is provided with an 800 telephone number that can be used to inquire as to the reasons for the transaction being declined.
[0036] Another aspect of the system of the invention is an offline risk program that is run periodically by the check guaranteeing service provider. The risk management system utilizes tables of risk parameters. This program analyzes recent buyer-seller activity and re-evaluates seller risk, transaction risk and buyer risk and can update risk parameter tables. These tables include the velocity table, the dollar volume table and the supplemental information risk table. These tables are illustrative, and more or fewer tables can be utilized in the risk analysis. Among the factors analyzed in re-evaluating the tables are the buyer account velocity, seller type, seller location, seller claim history, seller guarantee limit, goods sold, bank branch location, bank velocity, and bank branch velocity. This list is illustrative, and more or fewer factors can be considered. In a preferred embodiment, the offline risk program is run at least every 5 minutes.
[0037] The system of the invention can be implemented on any networked computer system. In one embodiment, the system is implemented in a set of Java programs running on a Sun Solaris platform that use an Oracle database management program, with the offline processing running under VAX/VMS. However, the system could easily be implemented on a Windows 200/NT platform, and any database management system compatible with that platform can be used. In addition, the offline processing can be run on any computer with sufficient processing power.
[0038] The system of the invention is not limited to the embodiments disclosed herein. It will be immediately apparent to those skilled in the art that variations and modifications to the disclosed embodiment are possible without departing from the spirit and scope of the present invention. The invention is defined by the appended claims.
Referenced by
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Mormon Voice
with LDS Church member, wife and mother Heather Hemingway
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Mormons Hold 184th Annual General Conference
Mormons around the world were uplifted and edified during our Church's 184th annual General Conference on Saturday, April 5th and Sunday, April 6th. With more than 14 million members, General Conference is a big deal to members of our faith as they either flock to Salt Lake City or they flock to the nearest television […] [Read More]
Mormon Dating Guidelines Gain Support From New Research
With nearly two decades behind me since being a teenage girl, it is funny to look back. Though my parents would say I was a relatively "good kid," we all laugh at my teenage antics. At 14, I was extremely boy-crazy and even snuck out to another school's Homecoming Dance! While my date was a […] [Read More]
Mormons Dedicate 139th Worldwide Temple
While I do not remember all that was said in a Mormon temple dedication many years ago, I do remember how I felt. My heart burned within me while my eyes filled with tears as I sat in attendance at the Mount Timpanogos Temple dedication in American Fork, Utah nearly two decades ago. The deep […] [Read More]

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Medicines are part of the long-term treatment of fibromyalgia. They may help break the
cycle of pain and sleep problems when symptoms flare up. Not all people with fibromyalgia will need, want, or benefit from
medicines. People with more severe pain, sleep problems, or
depression that disturbs their daily life may find
medicines helpful.
Fibromyalgia symptoms in different people respond to
different medicines. Your doctor may try more than one medicine before finding
one that works best for you. You may also find that a medicine that has been
helping your symptoms seems to become less effective over time.
Talk with your doctor if you are not getting relief. He or
she may try a different medicine or make suggestions for helping find new ways to modify your activity, sleep, and stress.
Certain types of medicines may be used to
improve sleep, relieve pain and fatigue, and, in some cases, treat depression. These
improvements in symptoms may allow you to feel better and to be more active. Medicines used
for fibromyalgia include:
Often medicines may be combined (such as fluoxetine and
amitriptyline) for the most effective treatment of symptoms of pain and sleep
medicines are being studied and used for treating fibromyalgia,
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We scanned this Bergdorf Goodman ad from the latest issue of NY Mag. The total cost of the outfit in the advertisement is $2976. (And def over $3200 with tax!) Who wants to pay that kind of money to look punk rock?? It is a real slap in the face to the real DIY punk aesthetic but as we all know, the fashion business has little or no integrity for originality. Here is our cost conscious suggestions after the jump -
1. We searched Ebay for Leather Motorcycle Vests and came up with about 700 results, most of the vests were under a $100.
2. The classic wife beater by Hanes, a pack of 5 for $8.99, nothing can beat the price! That's $1.80 a piece.
3. Simple gray skinny jeans available at Delias for $49.50, at this price you can easily customize them with rips and bleach with out a guilty conscious.
4. High Heeled Sandals – the least "punk" item – but these are cute and just under $65.
5. Star necklace- Girlprops at $14.99 – not as awesome but certainly cheaper!
6. Leather bracletes with studs – any Hot Topic or mall goth shop should have these for $5. or less.
Totaling $236.29 – still too much money to really call yourself "punk"!


text:
Originally Posted by shutterfinger
User manual:
Thanks for the link! Mine is the original version not the 2. Does most of the manual still apply? I looked at the graflex.org site and it really doesn't have a lot of info for the view cameras.
Mine does have the tripod mount so no worries there.
I see several brands of film holders. Is one any better than another?


text:
Bobbi Brown Long Wear Gel Eyeliner in Black Ink
381 reviews
74% would repurchase
Package Quality: 4.1
Price: $$$
Package Quality: 4.1
Price: $$$
on 7/7/2010 7:57:00 AM
Age: 30-35
Skin: Combination, Fair, Not Sure
Hair: Black, Straight, Coarse
Eyes: Brown
I really love this eyeliner! I have always been a liquid eyeliner person but with this stuff, I would never go back. For me it is the best liner - easy to use, no fading, no smudging and the best thing: the pot goes a long long way. Although I use it everyday about 50 % of the product is still left - AND it didn't dry at all! (I purchased it in October 2009) Will def buy again!
on 7/7/2010 7:21:00 AM
Age: Unknown
Skin: Other, Other, Not Sure
Hair: Other, Other, Other
Eyes: Other
Con - dries easily in the container though shut tight
Pros - when I first opened the product, it was very easy to apply (used an angled brush) and stays on till I remove it at night. Would have been my HG if it didn't dry so fast in the container.
on 7/7/2010 1:34:00 AM
Age: 36-43
Skin: Combination, Olive, Warm
Hair: Black, Curly, Medium
Eyes: Brown
The best gel liner ever! I've used Mack and Smashbox in the past, but found I needed to use Benefit's She Lac to prevent fading and smudging. With BB gel liner, I don't need the She Lac. It goes on smooth and very black -- soft texture, and doesn't dry out.
on 7/6/2010 8:59:00 PM
Age: 25-29
Skin: Combination, Fair, Warm
Hair: Black, Straight, Fine
Eyes: Black
This eye liner itself is pretty amazing; intense colour and withstands any tear, sweat and humidity. But it's so hard to use especially if you don't have a decent brush to apply it with. Plus I noticed this started to dry out and the consistency became harder and harder. After about 2-3 months, it was so thick and un-blendable that I had to stop using.
Considering the price I paid for this, I don't think it's worth it. Cheaper DG brands do just as well (if not better) as this one.
on 6/19/2010 9:37:00 PM
Age: 19-24
Skin: Combination, Olive, Not Sure
Hair: Black, Straight, Other
Eyes: Brown
This eye liner is jet black. I love what a dramatic impact it makes on my eyes. Better still it's easy to apply. I don't have a steady hand for liquid liner and I find that pencil eyeliner smudges pretty quickly. I found that this eye liner was easy for me to apply and made my eyes pop. I used to use Clinique Brush-On Cream Liner in True Black which isn't too bad and a little cheaper, but I find this BB Gel Eyeliner is a better quality formula, is easier to work with and doesn't smudge. I love it!
on 6/4/2010 7:58:00 PM
Age: 19-24
Skin: Combination, Fair-Medium, Not Sure
Hair: Black, Curly, Medium
Eyes: Brown
after a love-hate relationship with this product, i have finally come to love it a whole lot. i found it hard to use at first because i was a bit rubbish at the application. you can't layer this liner over itself once it's dry like MAC's fluidline. you can add blackness to the line but you can't re-shape it if that makes sense. anyway, after a tiny con - this liner is amazing. it is PITCH black (blacker than MAC) and is just beautiful. application is very very smooth, and mine is over a year old and is holding up well. if you think of a matte liquid liner that looks a hundred times smoother and stays on incredibly well. MAC's fluidline is lovely too, and is a bit more spreadable during application, but it is not as black and is not as long-lasting on the waterline. MAC's colour allows you to put a lot more on and blend it in with your whole eye make-up, whereas BB is more of a basic black liner. this is more of an 'inky' black as the name rightly suggests. i use this with the BB 'ultra fine' brush, which i love, and has lasted me well. i wash it after every use, and whilst using it, i cover it in liner and flatten both sides out on the edge of the liner jar to get rid of excess and get the brush into a stiff shape. i have also found that the blackness of this liner is intensified with Too faced shadow insurance, but that is a whole different kettle of reviews.
packaging: BEWARE of the lid loosening on its own in your make-up bag. screw it on tightly before chucking it back into its hiding place. i'm also unsure whether or not i like the frosted glass on my jar.
bottom 'line', incredible liner!
on 6/4/2010 12:40:00 PM
Age: 25-29
Skin: Dry, Fair-Medium, Warm
Hair: Brown, Straight, Medium
Eyes: Brown
Compared to MAC fluidline. It's creamier and easier to work with.
I like the consistency of bobbi brown's line of gel liners.
I wish the black was more intense though. for a better color payoff, I usually have to go over twice. Also although it dries pretty well, it fades and the black isn't so vibrant on me by midday.
It also smudges and looks really messy by the end of the day.
I guess this just isnt for me. Too bad because everyone else seems to love this liner!
on 5/17/2010 9:53:00 AM
Age: 19-24
Skin: Combination, Fair, Not Sure
Hair: Blond, Other, Other
Eyes: Blue
I adore this,the very first gel eyeliner i ever bought and its fantastic really dark,really dramatic. I always get compliments all the time about how dark it is and people askin where i got it!
on 5/5/2010 2:11:00 PM
Age: 30-35
Skin: Combination, Other, Not Sure
Hair: Blond, Other, Other
Eyes: Blue
I really like this eyeliner, first was turned on to it when I wore it at my wedding. The only downside I can find is that the pot totally dries up before I can even make a dent in it. I don't wear it everyday but I wish the packaging would prevent it drying out more. It does smear on me a very tiny bit as well.
on 5/3/2010 4:13:00 PM
Age: 18 & Under
Skin: Sensitive, Fair, Not Sure
Hair: Black, Other, Other
Eyes: Black
Great GREAT GREAT product. doesn't smear throughout the day
most importantly, its colour is sooo intense
i like its texture too, makes it easy to apply
eyeliner brush from bobbi brown is good too, as long as you get used to using it, but it kinda too expensive for a brush ... i think
an award-winning product for a reason!! love it :D
Popular Eyeliners


text:
We've been meditating on the health of our planet all month long with #FPEarthMonth, and the theme has really made me think about how I personally look after Mother Earth and where I find meaning in doing so. (…) Read more »
Tagged: farm
Magic Bus: The Farm Bus & Farm to FamilyOct 20, 2014
I have to admit, it started with the bus. It's not everyday you see a gorgeously painted, 1987 school bus stocked with vegetables and local Virginia products, so when you do, you stop to get the full story. You just do. (…) Read more »
Home Tour: Sonoma Broadway FarmsOct 15, 2014
When we spent a sunny and hot afternoon at Sonoma Broadway Farms back in August, our mission was to capture farmers Jill and Sesa out in the field, doing what they do – working with their hands, harvesting fresh home-grown produce for their farm stand. (…) Read more »
Love What You Do: Sonoma Broadway FarmsSep 22, 2014
"The world needs small farmers." (…) Read more »
Brooklyn Grange: A Rooftop Urban FarmSep 17, 2014
It's hard to find a peaceful spot in New York City. (…) Read more »
San Francisco Photo DiaryAug 18, 2014
There are certain places that just feel like home. (…) Read more »
FP Me At The Heart Of It AllJun 19, 2014
Our trip to Ohio was packed with a lookbook and video shoot, time spent exploring the farmlands of Ohio, meeting the locals, and at the heart of it all… FP Me. (…) Read more »
The Heart Of It All: A Tour Of Warwick FarmJun 16, 2014
We woke up to the sounds of chickens and the sweet smell of peonies. (…) Read more »
Urban Farming: A Tour Of Greensgrow PhiladelphiaMay 10, 2013
Come spring and summer, I start to really crave fresh fruits and vegetables. I just want to eat crisp, fresh foods that won't weigh me down too much. It's really difficult to find quality produce in the city, though – which is why we're so lucky to have Greensgrow Farms. (…) Read more »
Saturday DOMar 03, 2012
DO: Sign up for a CSA (…) Read more »
September Catalog Behind the Scenes with Martha HuntSep 08, 2011
It's a rainy, chilly day in Philadelphia and I wish I could jump inside these behind the scenes photos from our September catalog shoot. They have me longing to curl up on the couch in a bulky sweater and drink hot chocolate while listening to records. Photos by Thomas Northcut. How gorgeous is that sunset?! (…) Read more »
Free People September 2011 Catalog VideoSep 06, 2011
Free People – September 11 catalog from FreePeople on Vimeo. To end the day, here is our September 2011 catalog video! Shot by our videographer, featuring models Bambi Northwood-Blyth and Martha Hunt. Bambi and Martha prance through fields like forest nymphs with flowers in their hair, wrapped in cozy fabrics and textures and the (…) Read more »


text:
I can´t get worlking Fedora 12 (I'm curious to know why, but I've no time ...), so I finally decide to change to Debian 5 (Lenny).
I installed it in VMWare a Debian 5 (Lenny) form http://www.thoughtpolice.co.uk/vmware/.
This is a fresh install (Fedora core 12 was installed in the same way).
There are no problems installing SilverStripe in Debian. Install process was perfect.
But the problem is the same.
Some info:
* Postgres 8.3 (in remote server)
* postgresql-trunk-r101736.
* userforms-trunk-r101443
I add userforms, run www.misite.com/dev/build and see messages from database table creation with no errors.
In admin, I can´t see User Defined Forms in page type.
So, the problem is not with PHP version.
I don´t understand what I´m doing bad...


text:
Kay Johnson - 325.734.3630
Mayra Juarez - 325.236.8206
Email: email@example.com
Abilene Campus
Patricia Reid - 254.559.7720
Breckenridge Campus
Charlotte Tongate - 325. 641. 3901
Brownwood Campus
Jennifer Rosas - 325.235.7338
Sweetwater Campus
3801 Campus Drive
Waco, TX 76705
TSTC is located off I-35 North at exit 342A, just north of Waco
Grading Standards
TSTC West Texas has identified a *Critical Success Factor where students are expected to master knowledge and skills that meet state-defined and industry-validated career and technical skill standards.
TSTC West Texas measures student achievement of skills, knowledge, and competencies through a system of grading standards. Four grades (A, B, C, D) indicate that credit was received and a grade was awarded. One mark (CR) indicates that credit was received but no grade was awarded. One grade (F) and various other marks indicate that no credit was received and no grade was awarded.
The following system of final grades and marks is used by TSTC West Texas to report student performance for each course attempted and/or credited toward graduation.
*CSF 8: Technical Skills Standard
Grading systems for continuing education and workforce training programs may be somewhat different from those described in this section. Contact the TSTC West Texas Corporate College/Workforce Training Division for more information.


text:
Japanese Hiragana & Katakana for Beginners: First Steps to Mastering the Japanese Writing SystemMixed media product
List price $20.57
You save $8.92 43% off
Free delivery worldwide
Dispatched in 2 business days
When will my order arrive?
- Publisher: Tuttle Shokai Inc
- Format: Mixed media product | 160 pages
- Dimensions: 150mm x 226mm x 15mm | 363g
- Publication date: 10 April 2011
- Publication City/Country: Kanagawa
- Edition: Bilingual edition
- Edition statement: Bilingual
- Illustrations note: 140 Black and White Line Drawings
- Sales rank: 12,625
Product description
The method that's helped thousands in the U.S. and Japan learn Japanese successfully. The Japanese language has two basic writing systems, hiragana and katakana, in addition to the one that uses Chinese characters or Kanji. This handy book teaches you a new mnemonics-based method to read and write the basic 92 hiragana and katakana characters. Memorable picture mnemonics help you to learn the characters by associating their shapes and sounds with combinations of images and English words already familiar to you. Clear examples and entertaining exercises offer opportunities to read, write, use and practice all 46 basic hiragana and 46 basic katakana characters, plus the remaining kana that stand for more complex sounds. Polish your knowledge with word searches, crossword puzzles, fill-in-the-blanks, timed recognition quizzes, and other interesting activities. The CD-ROM allows you to print out your own flash cards (featuring the same mnemonic images taught in the book) to help you review and practice, even while you're on the go.
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Author information
Timothy G. Stout has taught Japanese language in public and private schools in the United States and Japan for 14 years. Stout currently teaches Japanese at Waterford School in Utah, where he lives with his family.
Customer reviews
By Daniel Mircea 25 Feb 2012
Considering it contains both hiragana and katakana I think that you get a really good value for the price.
Basically the book is made of two parts dedicated to hiragana and katakana respectively.
You start off with a few basic explanations about prononunciation (with further basic conceptions scattered throughout the book), then with a page dedicated to each syllab. On each of these there's a stroke order and a mnemonic drawing to ease memorization and also a few empty boxes where you can practice writing.
At the end of each group, there's a short review section which I personally found very very helpful, especially when I reached katakana.
I'm happy to have learned the kana with the help of this book..
Review quote
"As a whole I find this book to be a useful tool to learning the characters of both writing systems. I especially like the vocabulary usage at the bottom of each characters page...If you are looking for a book to get you started with Japanese I think this is a good place to start." —"BenLearnsJapanese.com"


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26 year old woman | Charleroi, PA, USA | Seeking men 23-30 within 40 miles
Giving this another go!
I'm new to this so bear with me! I'm looking for an honest guy who is a hard worker and dedicated to his friends and family. Someone who likes to joke around and accepts me for me, quirky ways and all! Someone who is caring with good morals and similar views as mine. Someone who doesn't play games and would rather take a punch than see or make me cry. I'm just looking for a genuine, fun loving guy who wants to get to know me and can't help but smile when he sees me. A little about me... I'm very family oriented and I feel extremely blessed to have such amazing friends and family. I'm shy when I first meet someone but don't worry, that doesn't usually last too long. I do like to laugh and carry on, and I can be somewhat sarcastic but it's all in fun I promise! A typical weekend for me would consist of shopping, going out for drinks with friends, church Sunday morning with my mum, and having a coffee at Starbucks. Even though I am a girlie girl, I do have a "tomboy" side. I've been riding quads and dirtbikes since I was little, fishing is pretty much in my blood, and I can actually hit the bullseye when target shooting. If anything you've read leads you to wanting more, don't be afraid to email me! :)
Coffee and conversation , Business networking , Dining out , Fishing/Hunting , Hobbies and crafts , Movies/Videos , Exploring new areas , Nightclubs/Dancing , Playing cards , Playing sports , Political interests , Religion/Spiritual , Travel/Sightseeing , Watching sports
Auto racing / Motorcross, Running, VolleyBall, Walking / Hiking
I exercise 3-4 times per week.
Don't display my sign
I have Dogs
I like Fish, Horses, Other
I have a teacup Yorkie named Daisy.
Family farm, NYC and OBX
California University of Pennsylvania, California, PA
Some of my weekly favorite shows are New Girl, The Big Bang Theory, Elementary, and Duck Dynasty. I'm not very picky with music, I listen to all types. I enjoy watching movies, mainly comedies, romances, action, or dramas.
My favorite thing to do would be shopping. Hey, it's my thing what can I say? My newest hobby is DIY projects. I love going to thrift stores and finding unique things and decorating with them as is or giving them a makeover.
Some random romance novel, yes I am a sucker for them but not the ones with shirtless men dressed as pirates or other odd characters.
Z{{Cta}} {{#if HasMoreInfo}} ?{{CtaSecondary}} {{/if}}
|What she is looking for
|5'5" (165cms)
|5'8" (172cms) to 6'7" (200cms)
|Body type:
|No preference
|No preference
|Dark blonde
|No preference
|No Way
|No Way, Occasionally, Yes, but trying to quit
|Social Drinker
|No preference
|Administrative / Secretarial
|No preference
Makin' cash in oil & gas
|I'll tell you later
|No preference
|Never Married
|Never Married
|Have kids:
|Wants kids:
|Definitely, Someday
|White / Caucasian
|White / Caucasian
|Christian / Other
|Christian / Catholic, Christian / LDS, Christian / Protestant, Christian / Other
|Bachelors degree
|Some college, Associates degree, Bachelors degree, Graduate degree, PhD / Post Doctoral
BA in Psychology and a minor in Political Science


text:
YIELD: Makes 4 servings
ACTIVE TIME: 20 min
TOTAL TIME: 35 min
Prick sausages a few times. Simmer with water in a 12-inch heavy skillet, covered, over medium heat 7 minutes. Uncover and cook, turning occasionally, until water has evaporated and sausages are well browned and cooked through, 7 to 10 minutes more. (You may need to add 1 tablespoon oil to skillet, depending on sausages.) Transfer sausages to a plate and pour off all but 1 tablespoon fat from skillet if necessary.
Cook onion, fennel, and tomatoes with 1/2 teaspoon salt and 1/4 teaspoon pepper in skillet over medium heat, stirring and scraping up brown bits, until onion and fennel are crisp-tender and tomatoes are soft and beginning to burst, about 7 minutes. Add corn and dill and sauté 2 minutes.
Slice sausages and serve with vegetables.


text:
To make reservations by phone, dial freephone 0800 221 222 in the UK, 1 800 409 929 in Ireland, or view our regional telephone reservation numbers.
Relax and refresh your body and spirit during your hotel visit with us in London. The Spa at County Hall's talented therapists offer a wide range of restorative massage and beauty treatments in a tranquil spa atmosphere.
Appointment is Required
Phone: +44 207 9028023


text:
Calendar: 11.13.07
A con man charms his way into a wealthy household in "Tartuffe" by Moliere, presented at 7:30 p.m. today, Wednesday and Thursday and at 2:30 p.m. Sunday in the Lab Theatre, room 123 of the Drama Arts Building, Texas A&M University-Kingsville. Cost: $3. Information: 361-593-3401.
Sewing Guild
American Sewing Guild meets from 9:30 to 11:30 a.m. at the recreation center of First Baptist Church, 3115 Ocean Drive. Patty Dunn will demonstrate how to make a quick and easy reversible Christmas tree skirt. Cost: $20; $15 members. The 1 p.m. program will have Laura Davidson discussing everything you want to know about fabric and then some. Cost: $3; $2/members. Information: 991-3597 or 668-0006.
Subscribe to the Caller-Times
Need Help? Call us at 1-800-566-8098.
Monday-Friday: 6am-3pm / Saturday: 7am-11am / Sunday: 7am-11am


text:
No sign of breakthrough as Russia, Ukraine meet in Milan
MILAN, Oct 17 (Reuters) – Russian President Vladimir Putin
and Ukrainian leader Petro Poroshenko met an array of EU leaders
on Friday, but there was little sign of progress in patching up
a ceasefire in eastern Ukraine and resolving a dispute over
natural gas supplies.
Putin held more than 2-1/2 hours of talks with German
Chancellor Angela Merkel overnight. The Kremlin said afterwards
the pair were still at odds over how to resolve a crisis that
has revived the spectre of old Cold War rivalries.
Milan summit offers Putin and Poroshenko time to talk
MILAN, Oct 17 (Reuters) – Russian President Vladimir Putin
and Ukrainian leader Petro Poroshenko are looking to patch up a
faltering ceasefire in eastern Ukraine and resolve a dispute
over natural gas supplies when they meet in Milan on Friday.
The pair are expected to talk one-on-one on the sidelines of
a Europe-Asia summit, and hold broader discussions with EU
leaders alarmed at the potential for their dispute to trigger
wider international unrest.


text:
Jeffrey Perlman
Managing Director
Hong Kong
Jeffrey Perlman is based in Hong Kong, joined Warburg Pincus in 2006 and focuses on investments in real estate. Prior to joining Warburg Pincus, he worked in the Real Estate Investment Banking Group at Credit Suisse. He currently serves on the Board of Directors for e-Shang Warehousing Service Co., Ltd, Cubic City (China) Service Apartment Group Holdings Ltd, Nova Property Investment Co., Ltd and Vincom Retail Joint Stock Company. Mr. Perlman received a bachelor's degree in business administration (B.B.A.) from the Ross School of Business at the University of Michigan.


text:
This is a smaller quest of decent riddles based in Whiterun. If you can get to Note #6 I applaud you.. Ignore my late night rant in that note however.. trying to make something unique in this game can be trying at times with the current way of modification.
Edit: This is in beta, full release with more of an ending will come in time.. Right now it's more of a test to make sure it works for people and to make sure they enjoy this kind of quest.
- 2 comments
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mdesousa Sep 30, 2014 at 00:12 UTC - 0 likes
Is Note 6 the end of the quest? :( I enjoy this type of quests a lot by the
- 2 comments
- Date created
- Dec 15, 2011
- Category
- Last update
- Dec 15, 2011
- Development stage
- Beta
- License
- All Rights Reserved
- Curse link
- Quest of Riddles
- Downloads
- 1,737
- Recent file
- B: Quest or Riddles Dec 15, 2011


text:
The Ruby Notebook is a lovely tale of a girl
who is lost in her own world, as most of us are. The
reader follows Zeeta on her path to finding herself,
perhaps learning more about themselves as well. The
concept of the book lies in the mysteries of the fountain
of eternal youth, which I find interesting. It was very
easy for me to get immersed in the book and not want to
stop reading. There were many plots and subplots that were
all very well tied up by the end of the novel, but they
kept you guessing the entire way through. I would
recommend it to anyone who loves both mystery and romance
Reviewer Age:17
Reviewer City, State and
Country: Shippensburg, PA USA


text:
Game(s) on: It's here. Lineups for USA vs. Germany, Portugal vs. Ghana
Jun 26, 2014, 11:29 AM EDT
This is it. The big one.
The USA's World Cup dreams are on the line as they face Germany in Recife on Thursday.
A win or a draw will see Jurgen Klinsmann's men through to the last 16 of the World Cup, however a heavy defeat could result in them being knocked out of tournament if either Portugal or Ghana win. The USA have made two changes with Geoff Cameron and Alejandro Bedoya both left out of the staring lineup as Brad Davis and Omar Gonzalez come into the lineup.
Portugal and Ghana battle it out in Brasilia to try and finish ahead of the U.S. but both are hoping for a miracle. Controversy has entrenched the Ghanaian camp as both Sulley Muntari and Kevin-Prince Boateng have been sent home for disciplinary actions.
[ MORE Soccerly: Follow USA vs. Germany | Portugal vs. Ghana ]
Here are the lineups in full for both matches.
USA: Howard, Gonzalez, Bradley, Besler, Beasley, Dempsey (c), Jones, Davis, Beckerman, Zusi, Johnson
Germany: Neuer, Howedes, Hummels, Schweinsteiger, Ozil, Podolski, Muller, Lahm (c), Mertesacker, Kroos, Boateng
Expectation: The USA will have to batten down the hatches in a rainy Recife if they're going to advance to the last 16. Germany are so good going forward. Let's hope the U.S. can get one early and hold on.
One blogger's prediction: 2-0 to Germany. I just can't see the Germans being shut out by the U.S. defense. I'm sorry, guys.
Portugal: Beto, Bruno Alves, Pepe, Miguel Veloso, William Carvalho, Ronaldo (c), Moutinho, Eder, Nani, Amorim, Pereira
Ghana: Dauda, Gyan (c), Atsu, Agyemang Badu, A. Ayew, Rabiu, Waris, Mensah, Asamoah, Boye, Afful
Expectation: This will be a thriller. Both teams need a win. They cannot draw. Expect to see plenty of goals.
One blogger's prediction: .3-1 to Portugal. I think this is when Cristiano Ronaldo unleashes all of the pent up rage. Also, Ghana are in ruins right now.
- cartrasuma - Jun 26, 2014 at 11:35 AM
Davis and Gonzalez? Oh dear!
Top Posts
- Carli Lloyd proves she's the Women's World Cup hero she always knew she would be 0
- Mission accomplished: Abby Wambach gets her World Cup title 0
- United States wins third Women's World Cup title, beats Japan on record-smashing day 22
- VIDEO: Lloyd seals amazing 16 minute hat trick with wonder goal from halfway 2
- Sunday's Transfer Rumor Roundup: Manchester City ready to spend, Spurs agree for Alderweireld 0
- Sepp Blatter claims French and German presidents influenced World Cup voters 1


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36 year old man | New York, NY, USA | Seeking women 18-40 within 10 miles
Active within 24 hours
I simply like to enjoy life, whether I am...
I simply like to enjoy life, whether I am spending time with my friends and family or I am learning/experiencing something new. Not as much career driven as I have been in the past, and always have been pretty laid back in my personal life...I tend to not let things get to me and always try to focus on the present these days. I like nice things sometimes but often am happiest with the most basic and simple things. Think its very important to maintain an active and positive lifestyle. An international perspective is a huge plus. I recently spent a year of my life living in Sao Paulo, Brasil. I tend to do an international trip almost once every two months these days, which is probably too much (crushes my NYC life, which you probably know its difficult enough to see your friends more often than once a month if you are working), but I just find enjoyment being outside my comfort zone and even NYC life can become a bit monotonous from time to time. In fact, I would go so far to say it pretty healthy to get outside of the rat race of the city every few months. A love of the beach/ocean is also a huge plus. I grew up surfing, sailing, scuba diving, fishing, etc...and love it all. But there is nothing better than spending a day on a secluded beach in the Caribbean (like any one of the numerous enclaves on St John) or bumming around in Montauk (which I always feel like I am on the edge of the world when I am there). I guess I am supposed to say I am looking for the perfect person, but don't think thats reality. My experience is that its the imperfections that you come to really appreciate about a person, because thats what makes them different…who wants to be with someone thats like everyone else and boring?
Coffee and conversation , Cooking , Dining out , Movies/Videos , Museums and art , Music and concerts , Exploring new areas , Nightclubs/Dancing , Performing arts , Playing cards , Playing sports , Travel/Sightseeing , Watching sports , Wine tasting
Baseball, Billiards / Pool, Cycling, Football, Golf, Running, Swimming, VolleyBall, Walking / Hiking, Weights / Machines
I exercise 3-4 times per week.
I like Dogs, Exotic Pets, Fish
Definitely a dog person… I don't even know what an exotic pet is but figure I would probably like it.
Middle of the Road
I am from Florida so love the Caribbean - BVI, USVI, "the DR", Key West, etc... Bschool got me into international travel...favorite cities in the world (other than NYC, which is by far the best city ever) are Buenos Aires, Tokyo, and Singapore.
New York University, New York, NY
Being dropped in the middle of a country where you don't know a single thing and figuring it out as you go along. Meeting new people in said country (people in most places are quite nice). The cab ride back into NYC after a long trip away.
Life is about stories, and the more you have the more you can share…living the story is fun, but sharing the story is often more fun (or funner…not really sure what the right word there is).
Almost always a rag….can't make it throughout a day without the NY Post and Women's Wear Daily. The serious side of me would say something like "The Imperfectionists" but who am I kidding, thats like a once a year thing. Rags are the goto read.
Z{{Cta}} {{#if HasMoreInfo}} ?{{CtaSecondary}} {{/if}}
|What he is looking for
|6'4" (193cms)
|4'10" (147cms) to 5'8" (172cms)
|Body type:
|Athletic and toned
|Slender, About average, Athletic and toned
|No preference
|Dark brown
|Black, Dark brown
|No Way
|No Way
|Social Drinker
|No preference
|Financial / Accounting / Real Estate
|No preference
Toll booth operator, NJ Turnpike. Lane 5 before exit to Lincoln Tunnel.
|No preference
|Never Married
|No preference
|Have kids:
|Wants kids:
|Definitely, Someday, Not sure
|White / Caucasian
|Asian, Pacific Islander, White / Caucasian
|I'll tell you later
|No preference
|No preference
|Graduate degree
|Associates degree, Bachelors degree, Graduate degree, PhD / Post Doctoral
MBA from NYU. Bachelor from FSU.


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Used Honda Element
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Once you navigate to the car listings; there are multiple ways to sort through the data. Sort through the listings of Used Honda Element automobiles by what's most vital to you: price, mileage, or distance. When there are numerous listings, the data can be separated even further. View Pre Owned Honda Element Prices and vehicles at five thousand dollar steps. Pick how much mileage on a used car you want. The Used Honda Element vehicles can be ordered by their manufacturer date too.


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Originally written on NFL Trade Rumors | Last updated 11/14/12
Chris Russell of ESPN Radio 980 reports that a team source has informed him that WR Pierre Garcon's chances of playing against the Eagles this weekend are "better than you think." Garcon has been limited to playing in just three games this season because of a foot injury. He's been trying to avoid undergoing surgery, which would end up costing him the remainder of the season, but there's no guarantee that he'll be effective upon returning to the team. Losing Garcon has had an impact on the Redskins passing game, so there's still a decent enough chance that having him back will improve their offensive production.
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1857-S $20 MS65 NGC. Variety 20-A....
2013 August 8 - 10 US Coins Signature Auction - Rosemont #1188
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1857-S Double Eagle, MS651857-S $20 MS65 NGC. Variety 20-A. Spiked Shield. Although this piece bears no identification that specifically provenances it to the S.S. Central America -- the doomed ship that foundered in a hurricane in 1857 -- it is a virtual certainty that this piece was aboard. Not only were high-grade 1857-S double eagles virtually unknown before the recovery of the ship's treasure, but the Spiked Shield was the most common of several varieties among the many 1857-S coins on board. This Gem sports flashy luster over medium yellow-gold surfaces that darken slightly at the rims, another telltale.(Registry values: N4719) (NGC ID# 2696, PCGS# 8922)
Flashy 'Spiked Shield' Example
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Hi guys and gals,
Does anyone have the street address for the Mickey and Friends parking structure? That'd make it much easier for my GPS system to find it.
Hi guys and gals,
Does anyone have the street address for the Mickey and Friends parking structure? That'd make it much easier for my GPS system to find it.
Well there is a 1313 on it when you first enter it. So is it the same address as the park itself?
If your GPS system can accept street corners, I would perhaps try entering S Disneyland Dr and W Ball Rd, Anahiem, CA 92802 as the destination.
Just type in 1313 South Harbor Blvd - It'll take you straight to the front of Disneyland, and then just follow the signs from there. You can enter through that parking gate and just park in Timon.
(Psst.) Even though many people know:
1313= 13 13 = MM = Mickey Mouse?
If you're coming south on the I-5 it's almost impossible to get lost. Get off on Disneyland Drive and follow the (big, clear and well placed) signs - and there's an offramp from the carpool lane, too.
Left at the offramp signal onto Disneyland Drive, and get over to the left two lanes. If the Flyover Bridge is open you don't have to stop for the signal at Ball Road, straight into the parking structure toll plaza. If you do go the 'surface street' route there is only one signal, and you want to be in the left two lanes after the Ball Road signal to go into the parking structure.
Oh and the ARCO gas station on your right at the Northwest corner of Ball Road and Disneyland Drive usually has among the best prices in the area - you might save a few pennies more elsewhere, but they're right there.
--<< Bruce >>--
There's No Place Like 127.0.0.1
Thank you guys. I'll give that a try.
Without my GPS I'm completely lost. Best money I ever spent.
Check out my Theme Park Photos at http://darkbeer.smugmug.com
Disneyland is 1313 S. Harbor Blvd, Anaheim - 92802
Parking Structure is 1313 S. Disneyland Drive, Anaheim - 92802
I read below where the MM thing is taken into perspective, but when Walt Disney was allowed to select the street numbers for Disneyland back in 1954 or 1955, he selected 1313 because he was not a superstitious man....so in an effort to dispell superstition.
Yes, the M=13 thing does work, but I don't think that was the initial idea. I mean, my first name starts with a "D" and my wife's first initial is a "C" and our last name starts with an "A" - but to say we were named "DCA" after Disney's California Adventure would be off the mark - it just happened to work out that way...
Gee, I wonder what you get when you enter "1313 Mockingbird Lane" - do you get the Universal Studios Hollywood backlot?
(The first person who gets the reference wins... absolutely nothing.)
--<< Bruce >>--
There's No Place Like 127.0.0.1
1313 Cap in your A** way = Magic Mountain


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My bank account says no..
I just bought diesel leather jacket l-baselt!
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great outfits Phukette
@Phukette , man the shioner fits you great! glad you liked them! need to have my new pair hemmed so i can wear them too..
@gloriouscafe i said it on the whats your latest purchase thread too, the-griffin-is-awesome!
@Phukette love both outfits and the maroon colored jacket! ,@gloriouscafe love that leather jacket man!
Express long sleeve T
Thavar 8NE
some cheap grey chukkas
special thanks to phukette! size advice was spot on!
A couple of outfits from the weekend:
Shioner 805A (in the 32x30, decided a shorter length and it worked out quite well I think! Thanks audit30!)
River Island Shirt
HUGO fisherman hat
And not Diesel (sorry guys, I'm a fucker for not sticking to the brief on this thread but its just too much hassle posting in a seperate thread)
G-star Tux Trousers
Allsaints Denuke Tee
Zara Combine Jacket
Absolutely stunning. Love the zara jacket.
Nice jacket
Thanks D! They are Long John
Japan Blue Raw Selvedge
AllSaints Mitako Shirt
Ted Baker Swizz Blazer (velvet, made to look like denim)
Allen Edmonds Long Branch Boots
Diesel Underwear (of course to qualify for the thread )
fantastic photo Aahz! and of course great style as usual
Are you going to model them then?


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Easy A (stylized as easy A) is a 2010 American teen comedy film written by Bert V. Royal, directed by Will Gluck, and starring Emma Stone. The screenplay was partially inspired by the novel The Scarlet Letter by Nathaniel Hawthorne. Shot at Screen Gems studios and in Ojai, California, the film was released on September 17, 2010 to positive reviews.
Dirty Love is a 2005 film written by and starring Jenny McCarthy and directed by John Mallory Asher. At the time of filming McCarthy and Asher were married; they divorced the month the film was released. The film heavily plays off McCarthy's reputation for toilet humor. The film was a Box office bomb, making only $36,016 worldwide.
The Girl Next Door is a 2004 American teen film about a high school senior who falls in love for the first time with the girl next door, but finds the situation becoming complicated after he learns that she is a former pornographic actress. It stars Emile Hirsch, Elisha Cuthbert, Deandre McFadden, Timothy Olyphant, James Remar, Chris Marquette and Paul Dano and is directed by Luke Greenfield.
Striptease is a 1996 American comedy-drama erotic film directed, produced, and written by Andrew Bergman. The film stars Demi Moore, Burt Reynolds, and Ving Rhames. The film is based on the novel of the same name by Carl Hiaasen; it is about a stripper who becomes involved in both a child-custody dispute and corrupt politics.
That's My Boy is a 2012 American comedy film starring Adam Sandler and Andy Samberg. The script was written by David Caspe and directed by Sean Anders.
The Breakfast Club is a 1985 American coming-of-age comedy-drama film written, produced, and directed by John Hughes and starring Emilio Estevez, Paul Gleason, Anthony Michael Hall, John Kapelos, Judd Nelson, Molly Ringwald and Ally Sheedy. The storyline follows five teenagers, each a member of a different high school clique, who spend a Saturday in detention together and come to realize that they are all more than their respective stereotypes, while facing a villainous principal.
Pretty Woman is a 1990 American romantic comedy film set in Los Angeles. Written by J. F. Lawton and directed by Garry Marshall, the film stars Richard Gere and Julia Roberts, and features Hector Elizondo, Ralph Bellamy (in his final performance), Laura San Giacomo and Jason Alexander in supporting roles. The story of Pretty Woman centers on the down-on-her-luck Hollywood prostitute Vivian Ward who is hired by a wealthy businessman, Edward Lewis, to be his escort for several business and social functions, and their developing relationship over the course of Vivian's week-long stay with him.
American Pie is a 1999 teen sex comedy film written by Adam Herz and directed by brothers Paul and Chris Weitz, in their directorial film debut. It is the first film in the American Pie theatrical series. The film was a box-office hit and spawned three direct sequels: American Pie 2 (2001), American Wedding (2003), and American Reunion (2012). The film concentrates on five best friends (Jim, Kevin, Oz, Finch, and Stifler) who attend East Great Falls High. With the exception of Stifler (who has already lost his virginity), the guys make a pact to lose their virginity before their high school graduation. The title is borrowed from the pop song of the same name and refers to a scene in the film, in which the lead character is caught masturbating with a pie after being told that third base feels like "warm apple pie". It's also been stated by writer Adam Herz that the title also refers to the quest of losing your virginity in high school, which is as "American as apple pie."
The Hot Chick is a 2002 American comedy film about a teenage girl whose mind is magically swapped with that of a 30-year-old criminal. It was directed by Tom Brady and produced by John Schneider and Carr D'Angelo for Happy Madison and Touchstone Pictures, and written by Tom Brady and Rob Schneider. The film stars Rob Schneider as the criminal, Rachel McAdams as Jessica, who, together with her cheerleader friends, search for Jessica's body while dealing with awkward social situations.
Superbad is a 2007 American teen comedy film directed by Greg Mottola and starring Jonah Hill and Michael Cera. The film was written by Seth Rogen and Evan Goldberg, who began working on the script when they were both 13 years old; they completed a draft by the time they were 15. The film's main characters have the same given names as Rogen and Goldberg. It was also one of a string of hit films produced by Judd Apatow.
American Pie 2 is a 2001 American comedy film and the sequel to the 1999 film American Pie and the second film in the American Pie film series. It was written by Adam Herz and directed by James B. Rogers. The film picks up the story of the four friends from the first film as they reunite during the summer after their first year of college. It was released in the United States on August 10, 2001, and grossed over $145 million in the US and $142 million overseas on a budget of $30 million. It was followed by yet another sequel, American Wedding.
Some Like It Hot is a 1959 American comedy film directed by Billy Wilder and starring Marilyn Monroe, Tony Curtis and Jack Lemmon. The supporting cast includes George Raft, Pat O'Brien, Joe E. Brown, Joan Shawlee and Nehemiah Persoff.
Fired Up! is a 2009 American teen comedy film written and directed by Will Gluck. The main plot revolves around two popular high school football players (portrayed by Eric Christian Olsen and Nicholas D'Agosto) who attend a cheerleading camp for the summer to get close to its 300 female cheerleaders.
EuroTrip is a 2004 American-European teen comedy adventure film written by Alec Berg, David Mandel, and Jeff Schaffer, and directed by Schaffer. The film stars Scott Mechlowicz, Jacob Pitts, Michelle Trachtenberg, Travis Wester, and Jessica Boehrs. The film follows an American teenager, Scott "Scotty" Thomas (portrayed by Mechlowicz), who travels across Europe in search of his German pen pal, Mieke (portrayed by Boehrs). Scott's quest takes him to London, Paris, Amsterdam, Bratislava, Berlin, and Rome, encountering hilariously awkward and embarrassing situations along the way. The film received a 2004 Teen Choice Award nomination for Choice Movie Your Parents Didn't Want You to See.
Sex and the City 2 is a 2010 American romantic comedy film co-written, produced and directed by Michael Patrick King. It is the sequel to the 2008 film Sex and the City, which is based on the HBO TV series of the same name.
Friends with Benefits is a 2011 American romantic comedy film directed by Will Gluck and starring Justin Timberlake and Mila Kunis. The film features a supporting cast that includes Patricia Clarkson, Jenna Elfman, Bryan Greenberg, Nolan Gould, Richard Jenkins, and Woody Harrelson. The plot revolves around Dylan (Timberlake) and Jamie (Kunis), who meet in New York City and naively believe adding sex to their friendship will not lead to complications. Over time they begin to develop deep mutual feelings for each other, only to deny it each time they are together.
Bad Teacher is a 2011 American comedy film directed by Jake Kasdan based on a screenplay by Lee Eisenberg and Gene Stupnitsky, and starring Cameron Diaz, Justin Timberlake, Lucy Punch and Jason Segel. The film was released in the United Kingdom on June 17 and in the United States and Canada on 2011.
Sex Drive is a 2008 sex comedy film about a high school graduate who goes on a cross-country road trip to hook up with a girl he met online. It is based on the novel All the Way, by Andy Behrens. The film was directed by Sean Anders, and stars Josh Zuckerman, Amanda Crew, Clark Duke, Seth Green, and James Marsden, while Katrina Bowden, Alice Greczyn, Michael Cudlitz, Dave Sheridan, and David Koechner appear in supporting roles. It was released in North America on October 17, 2008, and in the United Kingdom on January 9, 2009.
The Seven Year Itch is a 1955 American romantic comedy film based on a three-act play with the same name by George Axelrod. The film was co-written and directed by Billy Wilder, and stars Marilyn Monroe and Tom Ewell, reprising his Broadway role. It contains one of the most iconic images of the 20th century – Monroe standing on a subway grate as her white dress is blown by a passing train. The titular phrase, which refers to declining interest in a monogamous relationship after seven years of marriage, has been used by psychologists.
The 40-Year-Old Virgin (stylized as The 40 Year-Old Virgin) is a 2005 American romantic comedy film written, produced and directed by Judd Apatow, about a middle-aged man's journey to finally have sex. It was co-written by its star, Steve Carell, though it features a great deal of improvised dialogue. The film was released theatrically in North America on August 19, 2005 and was released on region 1 DVD on December 13, 2005.
Sex and the Single Girl is a 1964 American comedy film directed by Richard Quine and starring Tony Curtis, Natalie Wood, Henry Fonda, Lauren Bacall, and Mel Ferrer.
Sex and Death 101 is a 2007 dark comedy science fiction film written and directed by Daniel Waters released in the United States on April 4, 2008. This film marks the reunion of writer-director Daniel Waters and Winona Ryder, who previously worked on 1989's Heathers, written by Waters.
Not Another Teen Movie is a 2001 American teen comedy film directed by Joel Gallen, released on December 14, 2001 by Columbia Pictures. It is a parody of teen movies which had accumulated in Hollywood over the decades preceding its release. While the general plot is based on Can't Hardly Wait, Pretty in Pink, She's All That, and 10 Things I Hate About You, the film is also filled with allusions to numerous other teen films including Bring It On, American Pie, Cruel Intentions, American Beauty, Never Been Kissed, Ferris Bueller's Day Off, Can't Buy Me Love, Varsity Blues and The Breakfast Club. A single was released alongside the movie titled "Prom Tonight" and reached #86 on the Billboard Hot 100.
Knocked Up is a 2007 American romantic comedy-drama film co-produced, written, and directed by Judd Apatow. The films stars Seth Rogen, Katherine Heigl, Paul Rudd, and Leslie Mann. It follows the repercussions of a drunken one-night stand between a slacker and a just-promoted media personality that results in an unintended pregnancy. A spin-off sequel, This Is 40, was released in 2012.
He's Just Not That Into You is a 2009 romantic comedy-drama film directed by Ken Kwapis, based on the self-help book of the same name by Greg Behrendt and Liz Tuccillo, which in turn was inspired by a line of dialogue in Sex and the City. The film features an ensemble cast that includes Ben Affleck, Jennifer Aniston, Drew Barrymore, Jennifer Connelly, Kevin Connolly, Bradley Cooper, Ginnifer Goodwin, Scarlett Johansson and Justin Long.
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Affluent Lifestyle Guide
You might like Best Runway Models >
Six years after being knocked off the top spot, Bill Gates reclaims his seat as the world?s richest man with a total worth of a whopping US$73.7 billion. Carlos Slim trails closely behind with US$71.4 billion.
Read the rest of the story at:
Bill Gates back to being the top dog leading the pack of billionaires


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Two dead following crash near Redwood Falls
Two people are dead following a head on crash just west of Redwood Falls. According to the State Patrol report 33 year old Kari Ouoba of Fairmont and 76 year old Alvin Wohnoutka were killed …26 Jul 12
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Two people are dead following a head on crash just west of Redwood Falls. According to the State Patrol report 33 year old Kari Ouoba of Fairmont and 76 year old Alvin Wohnoutka were killed …26 Jul 12
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Four companies from the region have been fined for violations from the Minnesota Pollution Control Agency. In a news release the MPCA reported 34 enforcement cases in 26 counties throughout Minnesota during the second quarter …24 Jul 12
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For the first time, the Wright County Fair will host Military Day honoring veterans and military personnel. On Saturday, August 4th military members, veterans, and their families will be given free entrance and parking to …23 Jul 12
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Articles tagged cliff burton
28 Aug 2011 // 10:00 PM
Besides writing the harrowing and hilarious drug memoir of his rock life, Paranoid, critic Mick Wall has written biographies on Iron Maiden, Axl Rose, as well as the definitive 2009 Led Zeppelin biography. He talks with PopMatters about his latest book, Enter Night.READ more
//Mixed media
Colette Carr "Static" (video) (Premiere) // Music
House of Blondes "First of July" (audio) (premiere) // Music
Digisaurus 'No More Room For Love' (EP stream) // Music
Eszter Balint 'Airless Midnight' (album stream) (premiere) // Music
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PopMatters is on a short summer publishing break. We resume Monday, July 6th.
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"PopMatters is on a short summer publishing break. We resume Monday, July 6th.READ the article