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latest posts
One of my favorite foods is cabbage because it's super versatile, has hardly any calories, is free of wheat and gluten, is great for digestion, and is beautiful in color (purple and green). It tastes awesome in salads, gives us valuable probiotics as pickled sauerkraut, plus it works perfectly as a "shell" to be stuffed with yummy fillings to make a delicious hand held treat. I'm currently reintroducing heart-healthy fats into my diet from flax and chia seeds (omega-3), some nuts (vitamin E and antioxidants), and olives to keep my skin supple and moist, especially now that autumn is upon us. I picked up a bunch of avocados at the Farmers' Market, but am disappointed they didn't make it into my bag!
Today, I filled up a red cabbage shell with Chiffonade green cabbage. Watch our "How to Chiffonade" video I shot for Vegetarian Times Magazine: http://www.vegetariantimes.com/video/10). Please watch on the Vegetarian Times website to help generate viewer numbers. Thank you!
I'm also embedding it below from my own YouTube channel:
I first filled up my purple cabbage shell with Chiffonade green cabbage. Next, I layered on a Black Olive Tapenade, from Ani's Raw Food Kitchen, page 155, and Candied Onions, inspired by my Buckwheat-Battered "Fried" Onion Rings, from page 116 of Ani's Raw Food Essentials, plus I added maple syrup to sweeten the onions. I then topped it all with artichoke hearts, and would have added avocado, if I had some on hand.
Black Olive Tapenade
Place all ingredients into food processor, mix well.
Will keep for a week or longer stored in fridge.
Candied Onions
Place all ingredients into mixing bowl. Set aside to marinate and wilt for at least 10 minutes. Add syrup to your liking. I choose to make this sweet! Squeeze excess liquid before using.
Will keep for several days in fridge.
Last week's dinner at the Test Kitchen was a chance for me to introduce my latest Raw Food 3.0, inspired by molecular gastronomy without the chemicals, vegan and raw. My 6 courses were presented to a main stream foodie audience in a fine dining atmosphere. And it RAWked!
Truffle Flan
Smoked Anaheim Chili
Lapsang Souschong Wild Mushroom
Molten Cookie Dough
Pumpkin Gelee
It was so much fun to get to feed everyone my new style of Gastrawnomique cuisine in such a beautiful setting with amazing staff. It was a packed house both nights. Celebrities who came to dine included Frances Fisher, John Salley, Jarad Butler, and Diane Warren.
In the kitchen were some of the most amazing chefs assisting me and making sure my dinners were successful both nights including Bravo Top Chef Alex Reznik and Next Food Network Stars Doreen Fang and DAS. I'll post up more behind the scenes and kitchen photos next….
Generous sponsors included Excalibur Dehydrators, Earth Circle Organic, Big Tree Farms, Sunfood, Gold Mine Natural Foods, and Sambazon.
These photos were all taken by Maria Loewenstein, except for the Lapsang Souschong Wild Mushroom which was taken by Rogelio Marhx.
My NYC tour kicked off last Monday at Rockefeller Center on the set of LX New York at NBC studios. I chat about the benefits of a raw food diet with hosts Janice Huff and Jane Hanson. You can watch my segment here, though it's stretched out horizontally and the audio is out of synch. (As soon as I get my own copy of the segment, I'll repost)
Tuesday evening, I had a food demo, talk, and book signing at Bonobo's Restaurant. The room was packed with folks eager to learn more about raw food nutrition and recipes. I demonstrated how fast and easy it is to make my Simple Rosemary Oregano Noodle Salad with zucchini, tomato, avocado, and herbs.
Pictured above is Rose Voisk of the World Olympians Association. She was a gymnast in the 1948 London Olympics. She looks great, is vibrant, and strong. A testament for eating well.
Wednesday evening, I was hosted by the lovely Hyacinth Mills of New Life Journeys and her Montclair Raw Food Meetup Group. I demoed my Super Cacao-Coconut Energizer smoothie recipe from page 39 of Ani's Raw Food Essentials. Hyacinth's group is full of vibrant folks excited about raw foods. Her husband and 2 boys are handsome as can be, and Hyacinth has a natural glow of beauty. A great spokes model family.
I had randomly bumped into Hyacinth at Port Authority late on Monday night, 2 evenings before our event, as we were both catching our buses back to NJ that night. What's the chances of that? It's magic!
Thursday night I was at Organic Avenue for a workshop hosted by Mia Santos Andres. Above are my lovely assistants Sara, Sam, and Lee who helped to prep my recipes and samples, and then helped me set up before my workshop. They all had that glow of inner health and beauty. What angels!
In my workshop, I demoed my Tomato and Tarragon Bisque, page 137, Pad Thai Kelp Noodles, page 227, and Strawberry Kream Pie, page 266 from Ani's Raw Food Essentials. It was another packed house with great audience participation, questions, and book signing.
Thanks Mia for a great event, and for my goodie bag full of green juice in the cute Organic Avenue bottle, and BlackBird Truffles, handmade by raw model Anthony Andersen. Yum!
Mia is so pretty, I look shiny. Ha haaaa. I can't wait to get back to NYC before another 6 years passes….
Day 4 of my SF tour was a dream come true. I visited the YouTube Google campus in San Bruno, where Chef Fletcher Starkey and Pastry Chef Jenna served up 6 raw vegan recipes in their campus cafeteria (recipes follow below).
They labeled each of my raw food dishes with my headshot photo, and they tasted delicious! I enjoyed lunch with my beautiful hosts before my talk, from left to right: Cat, Jill, and Cheryl Pon.
My chili recipe with Taco Nut Meat….how cool is this!
2 raw food salads. Folks said they didn't even realize these recipes were raw! They liked the texture of the wild rice and loved all the flavors and colors.Raw food desserts included my Pineapple Ice Box desserts from Ani's Raw Food Desserts, chocolate truffles, and a blended cantaloupe with blueberries. Yum, and just what I needed before my talk…cacao!
After a delicious lunch, we made our way over to the "UN Auditorium". It was indeed tiered, just like at the United Nations, and was wired with video, projection screens, and monitors. All set up and ready to go for netcasting between all the Google campuses!
What an experience to speak in a fully wired room to YouTube and Google employees across all campuses! YouTube is amazing, enabling us to reach a global audience.
In the mid 90s, I was Internet Media Director for Simon and Schuster. I produced a project where video jockeys went around the Mediterranean. They shot video and then overnighted video tapes to me in California. I would sit with my Avid editors and edit together educational clips, then upload onto our websites. Today, this is all instantaneous and accessible to everyone, thanks to YouTube!All campuses were connected for my presentation and food demo. Next we'll need to find a way to send raw food through the internet, George Jetson's style!
The recipes I made included:
Sprouted Wild Rice with Corn and Tomato
Simple Rosemary Oregano Noodle Salad
Fresh Tomato Chili with Taco Nut Meat
Visit GoSuperLife.com for specials on Kelp Noodles and Raw Cashews, organic ingredients, and my favorite kitchen tools.
Here's a super fast and easy recipe I made the other day when I had very little time to eat, but needed a break from my computer for a few short minutes. I didn't feel like a green salad, and wanted something a bit more substantial.
Zucchini noodles tossed with diced tomatoes and avocado with a touch of garlic, rosemary, and oregano for an Italian flavor. This is delicious and beautiful.
Simple Rosemary Oregano Noodle Salad
Place all ingredients into a mixing bowl. Toss to mix.
To serve, transfer into bowl. Garnish with 1 tablespoon hemp nut.
Enjoy immediately.
Ani Launches New VitaMix TurboBlend VS
I was invited to the VitaMix headquarters to shoot a 60-minute DVD they'll include in...
Ani's Raw Food Essentials
My new book, Ani's Raw Food Essentials, will be available everywhere May 3rd! I was...
Ani's Recipes in the 2009 Food & Wine Cookbook
Two of my recipes are included in the 2009 Food & Wine Cookbook: my Zucchini Noodles with...
ani's books
©2007-2010 ani phyo. all rights reserved.


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The University of Florida announced today that it has installed a new supercomputer that's capable of processing at a speed of 157 TeraFLOPS, making it the fastest supercomputer in the state of Florida, and among the top 200 supercomputers in the world.
The $3.4 million supercomputer, dubbed "HiPerGator," will help continue some of the scientific work of physicist Guenakh Mitselmakher, whose team crunches data from the Large Hadron Collider to learn more about the Higgs Boson.
However, the HiPerGator was designed and built by Dell Dell with an "emphasis on accessibility," a UF spokesperson told me. Which means that the university's "vision is for the computer to be available to all UF researchers, not just the hard sciences folks with the whopper NIH/NSF grants."
"We want everyone who can expand the knowledge in their field to get a turn on HiPerGator, whether it's to find a life-saving drug or to track the travels of the pope in the Middle Ages," said research computing director Erik Deumens in a statement.
The HiPerGator is powered by 1,024 AMD Opteron 6378 processors, for a total of 16,384 processing cores. It runs Linux (of course it does) and is routed to an Internet2 connection that gives it a 100 GB/s data connection. It's being installed in the University's new $15 million Data Center.


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Lydia Howell: Madison is ground zero for resistance to the dismantling of workers' rights and cutting anything in government budgets that serves human needs while corporate "persons" get subsidies and tax cuts and are in effect made exempt from law supposedly governing such offenses as pollution and worker safety.
As Tea Party Koch Brothers Earned $11 Billion, They Laid Off Thousands
Lee Fang: While the Koch brothers were enjoying spectacular financial gains, Koch Industries laid off well over 2,000 people. Using the same approximate "jobs multiplier" Koch Industries used in its study last week, that means Koch Industries extinguished nearly 8,000 jobs in recent years
Palm Springs Weekend
Sharon Kyle: The billionaire Koch brothers, David and Charles, are hosting their bi-annual meeting of right-wing billionaires. Odds are you're probably not a right-wing billionaire and weren't invited to their event. But, no worries, a coalition of progressive organizations has planned an event just for you.


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Upgrade your geek with Dwight Silverman
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Are you ready for Facebook-like email? Meet Fluent
Pundits have been predicting the death of email for some time now, saying that faster and richer ways of communicating are taking its place, particularly among those who have grown up with personal computing. While I don't think email is going away anytime soon – particularly in the business world, where it creates a record […] [Read More]


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— Automotive
Nissan's JUKE-R: Heart of a lion, body of a soccer mum
By Loz Blain - November 30, 2011 48 Pictures
Happy times must be returning to the world economy when a car company can put its cash toward a concept like this. Nissan has fulfilled the wet dreams of hot hatch lovers all over the world by cramming the engine, drivetrain, suspension, electronics and sheer maniacal giggle factor of its monstrous GT-R supercar into the compact dimensions of the funky Juke city car. The Nissan Juke R (which can really only be pronounced as "Jew car") is an outstanding example of what happens when you give your best engineers the freedom to build what's in their hearts - in this case, a 480-horsepower, 4WD mega-mini-SUV that handles like a racer and should eat Ferraris for breakfast on the way to pick up the kids from soccer. Awesome. Read More


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CorelDRAW X6 Service Pack 1 Information Announced
- WIA support: With PHOTO-PAINT X6.1, Corel will support both the TWAIN and WIA standards for scanners (for both Windows 7 32- and 64-bit).
- PS plug-in support: With PHOTO-PAINT X6.1, again in both 32- and 64-bit, Corel will add a much longer list of Photoshop Plug-ins. Corel's tests currently indicate that Blow Up3, Radlab, Noise Ninja and Flaming Pear will work in PHOTO-PAINT X6.1. Corel is also trying to get Nik and EyeCandy to work, and they have reached out to the developers of those companies to work with Corel to make this happen.
- VBA enhancements: For those creating marcos in VBA and VSTA, Corel will add full support for the new OpenType as well as Styles functionality.
In addition to the specific features listed above, there will be additional performance and feature enhancements. Yes, there will be fixes of bugs though no specific issues on the list of fixes have been mentioned.
The first bullet point relates to scanning and I discussed this in detail in CorelDRAW X6, 64-bits, Scanning, Twain Drivers and WIA. This issue mainly affects users of the 64-bit version and there is a solution that works now in the post. I also discussed the issue of Photoshop Plug-In support in Photoshop Plug-ins and Corel PHOTO-PAINT Compatibility. While the fix listed above will add support for more plug-ins, you need to understand that the 64-bit version of PHOTO-PAINT requires 64-bit plug-ins and that list is somewhat limited. This is all detailed in the post I did back in April.
I will also remind you that the service pack will arrive after the grace period deadline for upgrading to CorelDRAW X6 for users of CorelDRAW X3 and earlier. If you are using an earlier version, please read Deadline Quickly Approaching for CorelDRAW X6 Upgrade Grace Period. If you wait until the service pack is ready before purchasing an upgrade, you will pay a lot more!
Labels: coreldraw-x6-unleashed


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That's easy to say "the Rams can spend their money anyway they want" NEWS FLASH I don't know how long you have been able to pay attention to the NFL but the teams don't choose to spend that much the PLAYERS do...Why? Every single year the bar for the #1 pick goes up and up... It's the standard rule... So if a team goes 1-15 is it their responsibility to have to pay their #1 pick 50 million?... NO but do they have too if they want to rebuild? YES you have to draw the line in the sand some where... back in 1998 Ryan Leaf the 2nd biggest BUST got $11.25 million guaranteed money.... now in 2010 it's 50 million?... Where does it end... Teams (Owners) don't have a choice they have to spend the money or they lose there #1 drafted player. It STUPID!... Plus remember it may be officially the RAMS money but really it's the fans money.... That's how this league works without the fans their is NO NFL!
$11.25 million in 1998 and $50 million in 2010....that's inflation - impacting all aspects of the economy, lol (actually it's no laughing matter). So what you are saying is the teams are forced to spend their money. Okay. But if they didn't have spend it, they would pocket it and do nothing. That happens in baseball SO much. Teams like the Pirates and the Marlins just don't spend their money, and they stink because of that, and then they complain about the teams that win who spend some money. It's a business. As much as the fans wish they could have their fair say, they can't. Ultimately it's the owners' decision. To me, people seem to want the salary cap because they feel jealous toward the teams with money. That's ridiculous. Those teams earned it, they owe it to themselves and their fans to try to put the best team out there, even if the cost seems absurd. Please...no socialist ideas in this country. No salary cap.
This issue really isn't about dollars & cents it is these players have proven nothing at the professional level. Even on horrible teams there shouldn't be a rookie making the most money on the roster. They must prove their worth and then the bucks will come. If they are worried about the injury factor, take out an insurance policy or find a new line of work. Injuries are part of the game and you know that going in.


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Welcome to our PFLAG Phoenix online store!
To browse our products, simply select any of the product categories presented below. You may shop here as a guest, or at checkout you may create an account with us if you prefer. Any selected products will remain in your shopping cart until you exit our store. THANK YOU for supporting PFLAG Phoenix through your purchase(s)!


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KB Motorsports is a family owned and operated race team. The "team" is comprised of Rob and Kathy Gray. Rob is the driver of the #17g modified race car that competes at Springport Motor Speedway in Springport, Michigan. Kathy is the team manager as well as providing tire tech and crew chief duties on race nights.
KB Motorsports was started in 2004. The team raced their first season in the Sportsman division at Berlin Raceway in Marne, MI with Rob capturing 2 heat race wins in his rookie season. In 2005 after having some seat time, the team continued to improve and became more competitive. They finished the season with 1 heat win, several consi wins and a 19th place finish in point standings only racing half of the schedule.The 2006 season started out with some promise but turned into a disaster. Mechanical gremlins plagued the team all season, dashing the team's hope of capturing that elusive feature victory in the Sportsman division. KB Motorsports' season was ended prematurely by a crash that would destroy the teams equipment.
After the 2006 season, the Gray's took a hiatus from racing to concentrate on building their family and planting roots. Coming back in 2010, the team ran random races and had some success. Since then KB motorsports has been rebuilding their team to compete in the highly competitive open wheeled modified division.


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|Rony's ETX Site
|About the drawings
6475 in Scorpius
Type: Open Cluster
780 l.y.
Mag: 3.3
Dim: 80'
is, with a declination of -35°, the most southern Messier object. From
my backyard, M7 never raises higher then 4.5° above the horizon. I was
fortunate to observe this beautiful open cluster from dark observing
site during a summer vacation in Spain. M7 and M6 were visible to the
naked eye as two brightenings along the Milky Way near the Sting of the
Scorpion. M7 was the most obvious, while M6 needed a keen eye to be
detected. These two galactic gems were known even before written
history. The name that the Arabs gave to these two clusters : 'The
Venom of the Scorpion', always triggers my imagination.
M7 can not be missed, even when it's not visible with the naked eye. The beautiful cluster can be found about 4° north-east of Lambda Scorpii. M7 appears very large, with fifteen bright stars scattered over an area of 80'. A bright double star can be seen near the center of the cluster. With averted vision, the number of cluster members can grow to over 50, depending on the size of the used binoculars. The majestic splendor of M7 is best appreciated with small to medium binoculars. This cluster is simply too large for common telescopes. M7 is 800 l-y away and has an integrated magnitude of 3.3.
Note : the initial sketch was created with a resolution of 1600x1600 pixels. Because of the forums restriction, the sketch is resampled to 800x800. This resolution is far inferior to the level of resolution that the human eye is capable of behind the eyepiece. As a result, close (but clearly separated) doubles, like the one in the center of this cluster, risk to become smeared out on the low resolution sketch.
Site : Andratx, Mallorca, Spain ( 39° N )
Date : July 27, 2008
Time : around 22.00UT
Binoculars : TS 15x70 Marine
Filter : none
Mount : Trico Machine Sky Window
Seeing : 2/5 (the view suffered from heavy turbulences in the air)
Transp. : 4/5
Sky brightness : 21.08 magnitudes per square arc second near zenith (SQM reading).
Nelm : 6.5
Sketch Orientation : N up, W right.
Digital sketch made with Photo Paint, based on a raw pencil sketch.
(Note: if the sketch does look too dark on your monitor, try to darken the room.)
|My Info:
|Rony De Laet
|My Guestbook


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One of the revelations of Liverpool's season to date is celebrating his 19th birthday today and you can join the celebrations with our 'Best Of' tribute.
Suso, who has established himself in the Reds' first team and made 11 appearances since the arrival of Brendan Rodgers as manager, was born on November 19, 1993.
The Spaniard recently signed a new contract at Anfield to commit his future to the club, and you can play a part in his latest festivities by enjoying the video below.
Access more exclusive clips and content by signing up for LFC TV Online>>
Please take 30 seconds to sign an e-petition and help a dying mother gain justice for her son after 23 years>>
Submit your views in the box below. Alternatively, you can debate these issues with fellow fans on our Message Boards or blog about them on The Kop
The views expressed here are not those of Liverpool Football Club (read more)


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Parents Agree: Adoption Isn't Easy, but Worth it
By Becca Owsley, The News-Enterprise
At age 3, while brushing her teeth, Ashleigh Lirot looked up at her mother and said, "I didn't come out of your tummy, did I?" Patty Lirot asked her daughter if she remembered how she became a part of the family. "Yes," Ashleigh replied. "You flew on an airplane to Guatemala." Lirot told Ashleigh about her birth mother and the poverty that exists in Guatemala. She explained her birth mother wanted Ashleigh to have a loving family who could take care of her. November is National Adoption Awareness Month and National Adoption Day is Saturday.


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October 10, 2011
Megan Rose Fernandez
Stories this photo appears in:
Fernandez Quinceanera
Megan Rose Fernandez celebrated her Quinceanera on Sept. 10 at the Under the Stars Banquet Center in Covington. The event was sponsored by her mother, Mrs. Rosa Fernandez, and was attended by her immediate family, godparents, extended family relatives and many friends. Fernandez is a freshman at Heritage High School
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:: Forum >> Version 1 >>
Set row colour dynamicaly
I was expecting to be able to use
var row = new Active.Templates.Row;
row.setStyle("foreground", function() {return "#c0c0c0";});
obj.setTemplate("row", row);
but this dosn't have any effect any tips or will I have to do this by cell?
Wednesday, July 27, 2005
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Le Garde-Meuble
English Title: The Automatic Moving CompanyLe Garde-Meuble (The Automatic Moving Company) (1912) Theatrical Cartoon by Dave Koch
This page has been viewed 10 times this month, and 983 times total.
- Theatrical ShortShort
- Stop-motion Animation
- Pathé-Comica, Pathé Frères
- Distributed by: Pathé Frères
- Directed By Romeo Bossetti.
- Produced By Romeo Bossetti.
- Originally Released in December of 1912 (Estimate).
- Originally Released Theatrically.
- Running Time: 5 minutes.
- Black & White
Cartoon Summary:
A moving van comes to a location where every piece of furniture moves itself off the van, up the stairs and into the rooms. The dishes stack themselves out of the... (more)
Cartoon Production Information:
Silent film. Stop-motion animation. Very similar to Émile Cohl's 1910 short Le Mobilier Fidèle. Author Donald Crafton suggests that Bossetti must have had the pleasure of watching Cohl at work during... (more)
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Pastries of Demark's Petit Fours
By Mabel Suen
Miss Leon's Serves Some of St. Louis' Best Comfort Food
By Cheryl Baehr
Fort Taco Is Your Newest Addiction
By Cheryl Baehr
Planter's House Debuts New Spring Cocktail Menu
By Patrick Hurley
Gooseberries Pleases Herbivores and Omnivores Alike
By Cheryl Baehr
By Patrick Hurley
Cabana on the Loop Struggles with Basics
By Cheryl Baehr
Sugar High: Strudel at Feasting Fox
By Mabel Suen
You know that scene at the end of the last Star Wars film where Darth Vader learns that Princess Natalie Portman died giving birth and shouts "Noooo!" with such primal rage that even the most devoted Star Wars fan can't help but giggle?
That was yours truly on a Saturday night at Franco, a fantastic new French bistro in Soulard: no sweetbreads in the kitchen and murder in my heart.
1535 S. Eighth St.
St. Louis, MO 63104
Category: Bars and Clubs
Region: St. Louis - Soulard
Pommes frites $5
Sweetbreads $9
"Wood Grilled Bistro Steak "$20
Braised lamb shank $23
"Caramel Apple "$6
I exaggerate, of course but only slightly. I ordered sweetbreads on my first visit to Franco, and in the days that followed I didn't want to eat anything but those delicate morsels of offal, as white as whole milk and nearly as creamy. Executive chef Justin Keimon sautéed the sweetbreads, imparting a gentle sweetness to their mild flavor, then topped them with a fricassee of wild mushrooms, giving the dish a meaty swagger.
I knew I should try something else, and Franco's selection of "Small Plates" offered several tempting choices, but if I counted on one hand the number of places in town that featured sweetbreads regularly, I'd probably have enough fingers left to throw a knuckleball.
When you have the chance to order sweetbreads in St. Louis, you do.
Many in the crowd packing Franco that night (and what a crowd I scored a reservation at 9:30 and considered myself lucky; we didn't sit down until after 10) must have agreed, so my friends and I had to be content with a generous slab of seared foie gras in a cherry compote, the tart sauce like a knife through the unctuous liver. Wringing our hands, we suffered through a roulade of smoked salmon and crab with dots of grapefruit gelée, the salmon so tender, its flavor more reminiscent of the ocean than of smoke, that you might mistake it for sashimi. Sighing, we made do with a fat, nutty country pâté and pork rillettes with a hint of apricot.
Still, as our waitress cleared our starters, euphoria faded and despair reared its ugly head once more. I knew sweetbreads would return to Franco, but with so many other restaurants to review and so few days in the week, I didn't know when I would return to Franco.
OK, I admit: As far as tear-jerkers go, that's no Old Yeller. Consider this one then. Call it speculative fiction: Tom Schmidt, who owns Franco with his father, Ed, originally intended to open a diner.
Then the 26-year-old Schmidt happened to have dinner at what he describes as a "swanky" restaurant in Manhattan's painfully trendy Meatpacking District. There he had skate wing with frites.
For $16.
In Manhattan.
Schmidt realized that there were few, if any, St. Louis restaurants where you could get a similar meal at such a reasonable price.
"We need this," he recalls thinking. "We need this pretty bad."
So the diner became Franco (named for Schmidt's three-year-old nephew, whose photo graces the wall behind the host's stand), which opened in the handsome old Welsh Baby Carriage building in mid-November. It's a beautiful space: Exposed brick walls and high windows frame the main dining room; from the ceiling hang panels of wood curved like rippling water.
The only drawback is the bar: a lovely space but a narrow one, with its few tables reserved for diners. When there are more people waiting than there are seats at the bar, you get a significant and uncomfortable logjam.
The kitchen sits at the north end of the dining room. Through the pass you can see Justin Keimon and his team working efficiently and, considering how much food they put out, with admirable quiet. Keimon has kicked around St. Louis restaurants for a while now Grenache, R.L. Steamer's and at Franco Tom Schmidt has given him a "clear canvas." The menu changes daily, often based on whatever looked good that morning next door at Soulard Market, with an emphasis on organic, locally raised food. Almost everything is made from scratch in the kitchen. And not just everyday items like bread and soup, either; Schmidt told me that Keimon is currently curing duck-breast prosciutto.
Keimon's main dishes are hearty bistro classics. Braised lamb shank is a tremendous dish. The bone juts out of a large bowl like the mast of a ship. The meat falls apart at the mere rumor of a fork. It's served in its natural jus, an entire lamb's worth of flavor concentrated in each drop. When the jus starts to overwhelm, roasted shallot-crème fraèche risotto provides piquant ballast.
Cassoulet was dense with smoky pork sausage and perfectly al dente haricots blancs. For a "Wood-Grilled Bistro Steak," slices of the pleasantly chewy, ruby-red cut were fanned out in a red wine-olive sauce; the dish reinforced my belief that you are far more likely to enjoy a simple steak frites than the overpriced hunks o' beef purveyed at many a steak house.
The only misstep was Atlantic salmon sautéed in a lemon-fennel glaze: a lovely piece of fish, beautifully browned, but done in by a glaze that was too tart. Roasted Missouri trout evinced a lighter touch, with olive oil smoothing out the lemon drizzle atop the incredibly tender fish. The kitchen also showed deft touch with two soups of the day: a potato and leek with crumbled bacon that was surprisingly airy for its rich flavor, and a sweet potato-apple purée with a touch of hazelnut cream that might just as well have been a sophisticated dessert.
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Thrive! Stress Management Program
It's not only about managing stress, it's about learning how to thrive! The MHealthy Thrive! Program is a comprehensive stress management and prevention program that aims to foster psychological well-being by energizing work climates, enhancing relationships, and maximizing personal strengths.
MHealthy Thrive! Mission Statement
The mission of the MHealthy Thrive! Stress management program is to foster individual and community well-being by energizing work climates, enhancing relationships, and maximizing personal strengths.
MHealthy Thrive! Program Background
MHealthy convened the Stress Management Task Force in response to employee wellness assessment data indicating stress as one of the most prevalent health risk factors in the U-M employee population. The group was charged with recommending and overseeing the implementation of appropriate MHealthy stress management activities for the U-M community in order to positively impact health and well-being, and foster a psychologically healthy workplace.
Based on a thorough review and discussion of U-M data, evidence-based research literature, and benchmarking results, and informed by the collective expertise and experience of task force members, the MHealthy Stress Management Task Force adopted a comprehensive stress prevention and management approach, making recommendations across three levels.
- Individual Level:Focus on training and development of individual employees with the goal of improving skills, values, and behaviors.
- Group Level: Focus on social connections with the goal of improving how employees relate to each other.
- Organizational Level: Focus on overall work environment with the goal of improving workplace culture.
The recommendations are further organized across seven guiding principles for a psychologically healthy workplace.
- Stress Management Training for Individuals: The University commits to a comprehensive stress management program to develop and sustain skills that help individuals cope with stress.
- Civility: The University commits to a respectful and civil workplace marked by trust and accountability.
- Leadership: The University attracts, hires, and develops leaders who foster a psychologically healthy work environment.
- Participatory Workforce: The University commits to an engaged and participatory workforce that has a say in decisions affecting work.
- Realistic Workload: The University commits to a realistic workload that allows a sustainable and thriving workforce.
- Collaboration: The University commits to friendship and collaboration in the workplace.
- Showcase Exemplars: The University commits to identify, showcase, and learn from exemplary work units that demonstrate healthy stress management behaviors.
Expected benefits of MHealthy Thrive!
Promoting a more psychologically healthy workplace at the University of Michigan by preventing and managing workplace stress can be expected to result in many benefits such as increased retention of faculty and staff; reduced health-related costs; reduced absenteeism; an enhanced educational environment for students; enhanced patient care & safety; enhanced creativity & productivity; improved employee health and quality-of-life; and improved employee satisfaction, engagement, and morale.


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The latest game from independent developer "Freebird Games," brings a heartwarming tale, sending players into the past of a dying man to fulfill his last wish. In PC gaming, "To the Moon," the journey to satisfy this wish, is one of the most powerful experiences I've had with a game.
The game revolves around Johnny, an elderly man lying on his deathbed when the story begins. Knowing the end is near, he contacts the Sigmund Corporation, a peculiar organization whose agents can change a person's memories by accessing the person's past. Johnny wants a rather odd memory. He wants to go to the moon.
Players control Dr. Eva Rosaline and Dr. Neil Watts, two scientists employed by the Sigmund Corporation. Their contrasting personalities give the plot a nice balance between humor and seriousness. Eva portrays herself as a sincere character who takes interest in her work. Neil, on the other hand, has a more playful role to the game, giving fragments of comical relief to the sometimes intense storyline.
When they first depart into Johnny's past, they treat it as little more than another day on the job, but as they began to shine light onto Johnny's life and expose the root of his dream to go the the moon, Neil and Eva grow to respect and care for Johnny on a personal level.
At the start of the game, not much is known about Johnny. He has an enormous house with some rather odd objects strewn about, and his caretaker and her children are the only other inhabitants in the home. As the story progresses, players come to realize that behind this man is a past filled with both heartbreak and triumph.
There are multitudes of secrets and twists along the way that will keep players guessing about Johnny until the end, and overwhelmed by anticipation, I had a difficult time prying myself from the game until it was finished. The game has a mesmerizing plot fit for a full feature film, and the developers created a highly-original game with a wealthy story and a life-like cast.
Through rich dialogue, To The Moon presents a new meaning to character development. While playing I found myself growing attached to the various characters in the story, and when given the ability to relate to the cast, the overall experience of the game becomes much more intimate. All the characters have diverse personalities that contribute to their individuality, which in turn allows players to find a connection to the story.
Memory lane
While moving back through Johnny's life and witnessing how the choices he made affected him later, I couldn't help but wonder what would have happened if he had done things differently. This is where Dr. Neil and Dr. Eva come into play. Equipped with the technology to travel through and manipulate a person's memory of the past, they have the power to change the outcome of their patient's future.
In this tale, the patient is Johnny, a feeble old man who is gravely ill and has one extraordinary wish. "The moon… He wants to go to the moon." Now in order for this dream to come true, there must be alterations in the course of his childhood that will create a change in the future. Neil and Eva decide that the only way to send Johnny to the moon is to convince his child self to grow up to be an astronaut.
Players start their mission in the present and begin to move their way back through six stages of Johnny's life, ending in his early childhood. When Neil and Eva peel back the pages of Johnny's past, a tale unlike any other is unfolded.
As players explore the times that came before, they discover that there is much more to Johnny's wish than they had anticipated. This isn't just another childhood dream to travel to the moon, Johnny's intentions are much more complex. Going beyond their duties, Neil and Eva discover the love, pain, and struggles that all hint at the underlying mystery surrounding Johnny's wish.
A new take on gameplay
Gameplay in "To the Moon" is simple: to advance to the next stage in Johnny's memories, players have to search the current memory for "mementos" that will all be applied to a particular object that links one time-frame to the next.
To successfully activate the next time-frame, players are required to complete a very simple puzzle—which is pretty much the extent of the challenge factor of the game. Players will control either Eva or Neil in varying intervals throughout the game.
With the exception to a few keyboard buttons here and there, the controls are a very straightforward point and click with a mouse.
Next: An original approach


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College trustees adding program
LOUISBURG — Students at Vance-Granville Community College will soon have a new degree option to prepare them for jobs in advanced manufacturing.
The college's board of trustees voted to approve a Mechatronics Engineering Technology degree program at its meeting Monday night.
Stelfanie Williams, president of the college, said the program combines mechanical engineering and electronics and was made possible by the $1.7 million grant funding from the U.S. Department of Labor.
The grant is part of the Trade Adjustment Assistance Community College and Career Training Grant Program that seeks to develop and expand training programs in the state. The college learned of its award in September, part of $27 million awarded nationally.
The board was informed of an option to demolish the property on Ridgeway Street in Warrenton owned by the college. If the option is taken, it would cost an estimated $20,000.
John Foster, chairman of the building committee, said the committee was also considering renovating the property for college use and selling it.
Foster said renovations would cost about $95,000 and did not think it was a practical option.
Foster also presented the board with an update on capital improvement projects on the four college campuses.
The total project budget for renovations on a building roof and testing centers in the main campus was $584,924. There are $39,392 in funds remaining.
The total budget for south campus projects, including a parking lot and carpet replacement, was $331,500 and there are $17,143 in funds remaining.
The project budget for an upgrade to the sewer and water system at the corporate campus was $133,933, and there are $57,710 funds remaining.
Before the meeting, the board had dinner with the Franklin County commissioners and the trustees pledged to meet with the Vance, Granville and Warren commissioners.
Chairwoman Deborah Brown said trustees will meet with the Granville commissioners in March, Vance commissioners in fall 2014 and Warren commissioners in spring 2015.
The trustees, who usually meet on the third Mondays of odd-numbered months, will meet next on Jan. 27 at 7 p.m. in the main campus. Jan. 20 is the Martin Luther King Jr. holiday.
Contact the writer at email@example.com.


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What camera do you use (to shoot your videos)?
I use two different cameras: a JVC Everio for the majority of a video, and a Kodak zi8 for all of the macro shots. Both are HD with flash memory. After about a year of moderate use, I'm still in love with the Kodak zi8 – but the Everio and I have major relationship issues.
How long have you been a vegan?
I went vegan right after Halloween of 2006 (one last candy spree), I was 15 at the time.
Can you recommend any books for vegan newbies?
First, get your hands on a copy Vegan with a Vengeance (or any other cookbooks by Isa Chandra Moskowitz, for that matter). For general information and factoids, I'd recommend Vegan & Vegetarian FAQ (The Vegetarian Resource Group), and Becoming Vegan by Brenda Davis and Vesanto Melina. I also hear the Dummies Guide is pretty good.
Any advice for teenagers who want to go vegan?
Learn to cook. Can't repeat that one enough. I'm lucky to have open-minded parents, who were fairly OK with the whole vegan thing when I first made the switch. But their support for my 'alternative' diet did not extend to cooking me alternative dinners. So be prepared to take charge of your own food preparation, don't expect your parents to keep track of it for you. Also, most sane parents will have (valid) concerns about vegan nutrition and vitamin intake, so do your research before approaching them with the idea.


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Once upon a time, in a land not too far away1, a not-so-little girl2 was a proud and faithful participant in the Book It program. She read piles and piles of books, frequenting her local Pizza Hut for the personal pan pizza that awarded her at the end of her journey. She was the holder of many fine jewels3 that left the other children in awe, wondering how she could possibly read so much fine literature. She never revealed her secrets.
1Okay, fine, I still live in the same town
2I may have been a little chubby
3otherwise known as Book It pins
And now that this little girl has grown, she has learned that not only do others still recall the Book It program fondly, the organization is still in existence. Not only that, they also have an alumni program where she can reminisce about those days of yore.
She was vastly tempted by the Book It store, with its alluring retro T-shirt (of which she regrets she cannot find the shirts of her youth). It was also necessary that she "follow" the program on a newfangled contraption called twitter.
She reveled in the idea that such a wonderful program could still exist, still encouraging the young to develop their reading skills. She did all that she could to spread the word to every corner of the land4, praying that her fellow readers would join her in such a glorious nostalgia.
4"the land" has since then been expanded to "the Internet."
I couldn't tell you how many of the Berenstain Bears books I owned. I read them until they fell apart. Thus it saddened me to hear that co-creator Jan Berenstain passed away on Friday. (I also hadn't realized that her husband Stan died in 2005, though I was too busy with college to pay attention to news.)
The Berenstains wrote and illustrated over three hundred books, which were translated into twenty-three languages. Their first title, The Big Honey Hunt, was released in 1962.
Talk about a legacy. Not only had the duo built an impressive series, but their family is continuing the tradition. The couple's two sons, also writers and illustrators, continue to work on the series in their parents' passing.
I was browsing their twitter feed for updates, and it's pages upon pages of thank yous for condolences. These are people that care about what they do, and care about their family. Stan and Jan are leaving a wonderful legacy behind, and their books have been loved by children all around the world. I'm just one of countless readers who have been influenced by the Berenstain Bears.
Thank you.
I would be lying if I said I could remember the first moment I picked up a book. If we're being honest, I can't recall a time when I wasn't reading or storytelling. But if you ask my mother, the first book I read on my own was Stan & Jan Berenstain's Old Hat New Hat.
I do remember reading this to death. My poor mother, having to flip through those same pages over and over again. It would be an understatement to say that book sparked something within me. Look at me now—I can't even come up with a metaphor accurate enough to explain how that little book has defined my entire life.
After we moved, my parents located that old collection of children's books. And that book was the one I yanked out of the pile, even though it's been over twenty years since I've seen it. I half-joked that I was going to frame it. And then I found an old shadow box I wasn't using.
I find this appropriate to proudly display on my desk. What can I say? I'm a sucker for nostalgia.
Yesterday was the release date for the new Dork Diaries book, and we had a little too much fun at work.
It was declared "Dork Day," so there was a plethora of people walking around in their dorky t-shirts. I was excited I got to wear a t-shirt at work and have it be acceptable. I had a meeting at one point, and it amused me highly to see nearly the entire room in their pink shirts.
Magnolia Bakery also had custom cupcakes made up for us, with glitter sprinkles and the book logo and all kinds of fun stuff. (I'm still recovering from the sugar shock.) Cupcakes were on sale at the store, too, where they were also offering a book with a cupcake purchase. And let's be honest—there are few things more perfect in the world than cupcakes and books.
The Dork Diaries books are ridiculously cute, so it excites me that we publish them (and I get to work on them). It's just so fitting, if you know me. And while most people changed out of their dork t-shirts, I was sporting mine on my commute home. Now that's dorkiness at its finest.
I pride myself in finishing basically every book I start. I won't allow myself to start one without completing another, despite how much I dislike it.
However, I was doing some tidying this weekend and stumbled upon Grimm's Fairy Tales, bookmark in place. I couldn't tell you how long ago I started this book, or the last time I opened its cover.
Now that I've discovered it, it bothers me. The originally plan was to read one fairy tale per day, which I don't think is all that difficult to do. Perhaps I'll get back to it. If nothing else, I should finish it just so it can properly be shelved. Now that it has resumed its place on my nightstand, I can't stand to think of it being there the rest of my life.
Which, at this rate, may be how long it will take to finish.
But to my knowledge, there has been nothing else I haven't completed. If something is that bad, I may put it down and restart years later (Maybe I've done this twice?). Call me compulsive, but if something is sitting around that I haven't read it drives me crazy.
I haven't actually finished reading all the Harry Potter books, but at some point I plan to. Which means I obviously had to buy them all. And of course, I can't buy a normal boxset. I have to scour the Internet to find the best of the best, and I'm pretty sure this is the one. It arrived at my doorstep this past week.
The UK deluxe edition. It's a beautiful thing. Books are cloth-bound with gilded edges, each with a ribbon bookmark. They feature the original UK artwork on the front. As a fun bonus, Rowling's signature is stamped in gold on the cover of each. See?
It wasn't until I started photographing it that I realized Hogwarts Express etched on the side of the box. What fun!
This is probably the best-looking thing on my bookshelf.
I guess I should get on finishing the series, though I'm nervous to take these books out of my house. I'll probably wrap it in a plastic bag before fitting it into my purse (you think I'm kidding). Hey, if you're going to invest in a boxset, you have to do it right.
I stalked the Internet for a good month before I found it for a somewhat reasonable price. If you're searching for it yourself, go to ebay. They have the best price I could find (and the seller is awesome, too). Trust me. It's well worth the cash.
I have another photo of it as well over at DeviantART. I obviously had a good time with the camera yesterday.
If you follow my other blog, you may understand how much I adore The Decemberists. So imagine my surprise when I discover that Colin Meloy, lead singer extraordinaire, is coming out with a children's book.
This cross-fandom is almost too much for my brain to handle. The Decemberists and children's literature? Fantasy to boot? If that's not awesome enough, Carson Ellis, the same one that designed pretty much all their albums, is doing the book cover as well. Gorgeous stuff. (Side note: She has a shop! Must… resist…)
If Meloy had signed with my company instead, I would be the one to work on this glorious title. I have no doubt it would have fallen under my imprint. But alas, he went with HarperCollins. Not everyone can be perfect, I suppose.
You can bet I'll be waiting for Borders to open up on release day, just so I can grab my copy. I'll be standing in line with all those middle-grade fantasy readers (and/or their parents). And probably a few Decemberists fans as well.
Per tradition, I'm sitting here watching the Macy's Thanksgiving Day Parade in my PJ's while everyone else in my house is doing something constructive. (It's understood that I must watch the parade, though. At least, until I see the Rockettes.)
Imagine my joy when I hear that Diary of a Wimpy Kid will have its own balloon this year. And look at how adorable he is! I'm a little bit of a slacker in my love for children's books, as I haven't actually read them yet (shush). But the fact that a book series has become so insanely popular to warrant a balloon in the Macy's parade is just awesome beyond words. (Photo copyright and courtesy of Abrams Books.)
Way to go, Jeff Kinney!
And happy Thanksgiving!


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Tips for Finding Books
The library's book collections are searchable in the online catalog. You may wish to limit your search to a specific collection depending on the topic you are researching. You may also limit your search by language, publication year, and material type. For additional information, see Basic Tips for Using the Online Catalog.
Although researchers are not allowed to browse the stacks in Special Collections, you may browse virtually in two ways. The easiest is to click "Nearby items on shelf" in the catalog record for a book related to the topic of your research. The second option is to identify a call number range for your topic and do a call number search under Advanced Search in the catalog, limiting your search to Hill Memorial Library or a particular collection.
Subject Guides for Books
Finding materials in a closed-stacks library can be difficult. To make the process easier, Special Collections staff have compiled detailed guides to materials in selected subject areas. Please contact the library's reference department or a Special Collections curator if you have questions about materials described here or if you need help finding books on a topic not listed.
Subject Guides:
- 18th-Century British Literature
- Agriculture
- Antislavery Literature
- Architecture
- Caribbean History
- Classical Studies
- English Literature & Philosophy, 1550-1700
- Franco-Prussian War and Paris Commune
- French Revolution and Napoleonic Wars
- History of Books and Printing
- Landscape Architecture
- Latin American History
- Louisiana Biographical Reference Works
- Louisiana Genealogical Materials in the LSU Libraries
- Louisiana Music History
- Maps
- Medieval and Renaissance Manuscript Facsimiles
- Mississippi Biographical Reference Works
- Periodicals (Arts and Humanities)
- Periodicals (Sciences)
- Philology and Dictionaries
- Proslavery Literature
- Religion
- Sheet Music in Special Collections Index


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Chapman University | Orange, CA | April 25-27
"The ideas of economists and political philosophers, both when they are right and when they are wrong, are more powerful than is commonly understood. Indeed, the world is ruled by little else. Practical men, who believe themselves to be quite exempt from any intellectual influences, are usually slaves of some defunct economist." John Maynard Keynes
Film can be a powerful medium for spreading ideas, influencing cultures, and changing our perceptions. Whether you are making comedies or dramas, documentaries or fiction, blockbusters or indie films, ideas will drive your film both on and off screen. Filmmakers often neglect economics because they fail to see the significance it brings to their lives and to their art. However, economic thinking can be a powerful tool for understanding human behaviors and motivations and for helping to make your film a reality.
With sessions led by economics professors, filmmakers, and expert storytellers, this seminar will give you a foundation of economic thinking that will help you see the world in a new way as well as important instruction in cinematic storytelling, distribution, and promotion.
This seminar is open to students 18-24 who have a demonstrated interest in filmmaking and is limited to 30 students, so apply early!
Applications are closed.
Seminar Maps and Locations
Friday, April 25
Saturday, April 26
Sunday, April 27
Monday, April 28


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Product Description
These attorney-prepared Wills Kits are specifically designed to provide you with a comprehensive library of estate planning documents, including wills, living wills, and other documents, for use whether you are married, single, divorced or widowed. These Kits provide the instructions and legal forms to tailor to your unique needs, providing for your loved ones, protecting your assets, and ensuring that your wishes are carried out in compliance with governing laws. Available to download immediately.
Estate Planning Combo Packages
These attorney-prepared Estate Planning Combo Packages are specifically designed to provide you an array of model estate planning documents, all in one convenient location. These combos provide guidelines and forms, making it easy to tailor the documents to your unique needs while ensuring compliance with governing law. Available to download immediately.
Mutual Wills for Couples
Containing two (2) wills, these Mutual Wills for Couples Kits have been specifically designed to provide both you and your spouse with the guidelines and forms you will need to make your specific wishes known, so that your loved ones will not be left guessing if the unexpected happens. These attorney-prepared Kits are compliant with governing law and easy to understand, whether you have adult children, minors, or no children. Available to download immediately and for use in all states.
Wills for Divorced Persons
Be confident that your wishes will be carried out. Our attorney-prepared documents will save time and money. Whether you have minor, adult or no children, these Wills for Divorced Persons contain the forms and instructions you need, all carefully drafted by our experienced attorneys.
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Don't leave your family unprepared. Our attorney-prepared wills can help you plan for the future. These carefully prepared Wills for Married Persons Kits bring the expertise of experienced attorneys to your fingertips. Whether you have adult children, minor children, or no children, these kits include the guidelines and model forms you need to fit your unique situation, in compliance with governing laws.
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Is your Will up-to-date? Don't leave your loved ones guessing. Prepare for your future by creating a will today. Whether you have minor, adult or no children, these forms are what you need. Our attorneys have made it easy to gain peace of mind and protect yourself and your loved ones.
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Drafting a will, making decisions regarding provisions for your loved ones and the distribution of your assets, can be stressful and confusing. This attorney-prepared Beneficiary and Executor Forms Kit can help start you in this process. This Kit was specifically designed to provide easy-to-understand explanations of the appointments you will need to make, the duties and responsibilities of the executor, and the applicable laws which govern. Available to download immediately and for use in all states.
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Give yourself the peace of mind that your wishes will be carried out, even when you might not be able to say the words. A Living Will allows you to make decisions about your health care in advance in case you become incapacitated. Our living wills are attorney prepared and compliant with governing laws, so that you can be sure it gets done right.
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Statutory Wills
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TheLaw.com Staff
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This might be the coolest 8bit news in awhile. NEStalgia is an original, and free to play, MORPG that combines the classic 8bit RPG feel with an online community. Pretty awesome. Check out the trailer video first then head over to the official site to download. [joystiq]
Posts Tagged 'morpg'
NEStalgia Brings 8bit and MMO Worlds Together
March 19th, 2011 Comments Off on NEStalgia Brings 8bit and MMO Worlds Together


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Getting ahead of the curve
UE taking steps to ensure grads have skills, certifications to land job
Employers today want more proof than ever that college graduates are career-ready, said Gene Wells, director of the University of Evansville Center for Career Development.
Wells, a former banker and assistant director of career services at Mercer University in Macon, Ga., said: "In former years, a person could just be a college graduate. But the job market has become a lot more competitive.
"I still think job opportunities are very good, but what a graduate needs to know and do is far more important now than 15 or 20 years ago."
Wells said many employers today would especially like graduates to have specific kinds of certifications in, say, technology areas as well as in engineering and nursing fields, education and business.
"All our (UE's) professional programs have state or national certification processes," Wells said, "and the whole area (of certifications) is definitely growing. There's no doubt about it."
He said UE wants to be ahead of the curve when it comes to being able to communicate to employers that its students have participated in getting ready for the job market actively, not passively.
"Both the Career Development Professionals of Indiana Inc. (CDPI) and ourselves have certificates that certify to employers that our students are career-ready, following their completion of a series of activities," Wells said.
UE is one of about 30 Indiana colleges and universities that participate in the CDPI's relatively new INdorsed Career Ready Graduate Program, which offers a Certificate of Career Readiness for the Indiana College Student.
The INdorsed Career Ready Graduate completes activities in:
n Professional identity (exploring strengths and ideal careers and developing tools to market skills to employers).
n Professional experience (building relevant experience as well as training in professional practices).
n Professional skills (developing core, transferable skills such as communication, teamwork and problem solving).
The INdorsed program was piloted in the 2011-12 academic year by Franklin College, Hanover College, Indiana University and Ivy-Tech Madison Campus.
There is no fee to participate.
Besides UE, the area's Ivy Tech campuses and Indiana Tech are among the participates.
At UE, a student gets both a career-ready certificate from INdorsed and a career-ready certificate from UE, plus the diploma upon graduation, Wells said.
Subscribe to the Courier & Press or The Gleaner
Need Help? Call us at 1-877-304-7771.
Monday-Friday: 6am-5pm / Saturday: 6am-11am / Sunday: 7am-Noon


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Debt Adviser,
After a divorce, my ex was responsible for paying
on several credit cards. The credit card companies refused to remove
me from the accounts, so the judge ordered my ex to pay them in
a timely way to avoid credit problems for me. He did not pay them
in a timely way and it took three months for the creditors to contact
me and ask me to pay since he didn't. I have begun making payments
and filed a contempt order with the court. But each credit card
company and their collection agencies (for those who sold the debt)
reported delinquencies and collections on my credit report. Is there
any way to dispute this on my credit?
-- Barbi
I am always sorry to hear of another divorce, but at least you didn't
mention any kids, so I hope this was just between the two of you.
The unfortunate reality is that it is much harder to divorce your
joint financial obligations than it is your spouse. As you have
found, joint credit card accounts remain joint accounts until the
account is paid off and closed. The reason for this is that when
you opened the joint accounts you entered into a legal agreement
with your creditors, in essence giving them your word that they
would be paid back according to the agreement. A divorce decree
issued by the court does not change that. You gave your word and
they are holding you to it.
Another unfortunate reality that I hope your attorney
brought to your attention is that spouses who are assigned certain
accounts to pay in a divorce decree do not always follow through
on those assignments. Some fail to pay because they truly cannot
afford to; others don't pay because they don't manage their finances
well, and some don't pay out of spite. You get the picture. In any
event, counting on an ex-spouse can be a high-risk venture!
So how do you protect your credit rating and not end
up paying everything for which your ex-spouse was responsible? First,
let's protect your credit. Get a copy of your credit report from
each of the three major
bureaus and find out exactly what has been reported and by whom.
Next, submit a 100-word statement to each of the bureaus
explaining your situation. It will not change what is reported,
but many lenders will pay more attention to your positive information
and disregard the negative if there is a logical explanation. In
the future, when you apply for credit or a loan, disarm the situation
in advance by explaining the situation before they check your credit.
Having a copy of the divorce decree assigning the accounts to him
is also a good idea.
To not end up paying everything, communicate with
your ex and determine if he plans to meet his obligations and when.
I realize that communicating with an ex-spouse can be unpleasant.
However, the more information you have, the better off you will
be to make decisions concerning your current situation. If things
are really bad between you, communicate in writing through a lawyer.
Here's the bottom line: If he doesn't make the payments,
you should. It's your credit on the line.
Regardless of how the conversation with your ex goes,
you should follow through on the court action. One way to assure
that your credit is not damaged any further is to have your spouse
transfer the balances of the delinquent accounts to a credit card
in his name only. At this point, he may not qualify for a card in
his own name, but the court may decide that's his problem!
Ideally, when a person divorces, all joint accounts
should be dissolved. Home mortgages should be refinanced in one
person's name or the house sold. Car loans should be refinanced
or the car sold. Credit card accounts should be closed and the balances
transferred to separate credit card accounts in each spouse's name.
This may not have been the case in your divorce, but
it is not too late to work toward dissolving any joint credit that
you still have with your ex.
Good luck!
The Debt Adviser, Steve Bucci, is the president
of Money Management International Financial Education Foundation
and the author of Credit
Repair Kit for Dummies. Visit MMI
for additional debt advice or to ask a question of the Debt Adviser
go to the "Ask
the Experts" page and select "debt" as the topic.


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Villa date for ladies
27th Feb 2013 - Latest News
Liverpool FC Ladies will travel to Aston Villa in the fifth round of the Women's FA Cup.
The tie will take place in the Midlands on Sunday, March 17.
Tagged: Aston Villa , Liverpool FC Ladies , ladies , villa
Submit your views in the box below. Alternatively, you can debate these issues with fellow fans on our Message Boards or blog about them on The Kop
The views expressed here are not those of Liverpool Football Club (read more)


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Avengers vs Pet Avengers #4
English | CBZ | 17 MB
he Dragons went barking up the wrong tree when they started picking bones with the PET AVENGERS!!! FANGS fly and FUR furls as Earth's Mightiest Pets battle FIN FANG FOOM's DRAGON ARMY! And, oh what the heck...THE AVENGERS ARE THERE TOO!!!!!


text:
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Saddlebrooke is a beautiful Active Adult Community built by Robson Northwest of greater Tucson. Nestled against the Catalina Mountains, Saddlebrooke is known for some of the best mountain views in Tucson. It is an outdoor paradise with Golf, Tennis, Swimming, Arts & Crafts, & Clubs for all interests, not to mention perfect weather for much of the year. Saddlebrooke offers a variety of housing from Homes & Townhomes in many price ranges with upper end homes available in the Preserve.
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Saddlebrooke is a Resort Style Retirement Community nestled against the Catalina Mountains north of Tucson, Arizona. Saddlebrooke is an outdoor paradise with Golf, Tennis, Swimming, Arts & Crafts, & Clubs for all interests, not to mention perfect weather for much of the year. Homes in Saddlebrooke typically sell in the $200,000 to $1,000,000 price range.
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63876 E Orangewood Lane
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• 2,162 sq ft
65330 E Rolling Hills Drive
Tucson, AZ 85739


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Yesterday, at the urging of the National Iranian American Council (NIAC), a group which consistently lobbies against sanctions on the Islamic Republic and its nuclear program, several congressmen sent a letter to President Obama urging him to extend a sanctions waiver issued after last August's deadly earthquake allowing Americans to send humanitarian assistance to Iran.
The congressmen may be well-meaning, but the call to extend the sanctions waiver is wrong-headed. Charities in Iran are seldom charitable. Take the Imam Khomeini Relief Committee, for example. While the group may brag about its efforts to provide medical care, blankets, and food support to the poor, charity is not its primary goal. Indeed, just two years ago, the U.S. Treasury Department designated the group's Lebanon branches as complicit in Hezbollah terrorism.
Likewise, the Iranian Red Crescent has become the mechanism by which the Iranian regime sends aid to the Syrian government. While the Iranian government claims that the shipments are humanitarian in nature, U.S. intelligence suspects that the group is actually providing weaponry and other military equipment.
Suffering in Iran is not the result of an inability of Westerners to send money to that country; rather, it is the result of a regime whose priorities are out-of-whack. If the congressmen truly seek to help the Iranian people, they will not channel money to compromised charities, but instead work to end the far greater suffering brought on Iranian citizens by the regime itself.


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March Madness Night rescheduled
Mar. 20, 2014 @ 11:21 AM
E.O. Young Elementary School's first March Madness Night was postponed due to inclement weather.
The event is now scheduled to take place from 5:30 to 7:30 p.m. April 4 at the school.
The night will include games, food, a cake walk, face painting, bounce houses, various vendors and a cash raffle.
All proceeds from the event will benefit the school's media and computer renovation project.
Students at the school may enter the event for free.
The fee is $1 for all others ages 10 years and older.
The school is located at 6655 Broad St. in Henderson.
For more information, call the school at (252) 438-6423.


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University of Northern Virginia chancellor David Lee's sex-slave dungeon
The head of the University of Northern Virginia already has enough trouble to deal with, what with last week's federal raid and the withdrawal of the for-profit college's right to admit foreign students. Today things got much worse, as the news broke that Chancellor David Lee has a sex dungeon in the basement of his suburban home and has been trolling the Internet for women "with slave tendencies."
How kinky is this sadomasochist's lair, according to The Smoking Gun? In one photo — in which, like the others, NSFW regions have been obscured — he's seen holding a flame near a naked woman wearing a bondage mask. In others, the 64-year-old's girlfriend is strapped to an upright wooden rack and caught in a metal spiderweb. We'll let this one describe itself.
The photos come from the couple's profile ("polyfamilyinva2") on Collarme.com, a BDSM site, where they wrote, "We enjoy almost all kinks, and are expert in most of them. But for us it is more the submission and commitment that matter.... We provide a safe, sane home with a good balance of love and discipline. We are very serious about finding a permanent addition to our poly family." At another point, they write, "Ideally you will consider yourself a slave or a sub with slave tendencies."
The feds must be having a hell of a time poking around Lee's computer.
Would you like to contribute to this story? Join the discussion.
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Food truck frenzyBilled as the biggest food truck assembly to ever happen in D.C., "Curbside Cookoff: Trucko De Mayo" took place on Saturday with at least 40 vendors.
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PHOTOS: Capital Pride parade, festival
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National Puppy Day photos: Celebrating the sweetness of dogs


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Former Democratic National Committee chair Terry McAuliffe's campaign announced some big-name additions to his team in Virginia's 2013 gubernatorial race. "As 2013 approaches, we're continuing to build a strong campaign that will be focused on job creation and common sense fiscal responsibility in Virginia," said McAuliffe in a statement noting the additions. Here's a look at team McAuliffe:
-- Pollsters Fred Yang and Geoff Garin of Garin-Hart-Yang Research. The release notes Yang's history of helping to elect Democratic governors in the southeastern and mid-Atlantic states. Clients have included Kentucky Gov. Steve Beshear of Kentucky, North Carolina Gov. Bev Perdue, and Maryland Gov. Martin O'Malley.
Garin has worked for Sen. Mark Warner in Virginia as well as Priorities USA Action, the PAC that supported President Obama's re-election bid.
-- Saul Shorr, Andrea Johnson and Adam Magnus of Shorr Johnson Magnus Media. The media company had a number of successful high profile clients in tough races this past cycle, including Sen. Sherrod Brown, D-Ohio, Sen.-elect Tammy Baldwin, D-Wis., and Washington Gov.-elect Jay Inslee. They also worked for Priorities USA Action.
Neither the pollster nor the media firm worked on McAuliffe's 2009 gubernatorial campaign.
-- Campaign Treasurer: Nancy Rodrigues. Rodrigues was Virginia State Board of Elections Secretary from 2007 - 2011, after almost 10 years as founding executive director of the non-profit DRIVE SMART Virginia.
McAuliffe previously announced other key members of his campaign staff, including campaign manager Robby Mook (who served as executive director of the Democratic Congressional Campaign Committee during the 2012 cycle), deputy campaign manager Levar Stoney (the former executive director of the Virginia Democratic Party), and communications director Brennan Bilberry (who has worked for Priorities USA and the DCCC).
The field in Virginia's gubernatorial race appears to be set already, with McAuliffe getting in shortly after the November 6 elections and Warner passing on a bid earlier this month. On the GOP side, Lt. Gov. Bill Bolling announced this week he would stop his campaign against Attorney General Ken Cuccinnelli for the GOP nomination (though his exit hasn't been smooth for the GOP: Bolling has not endorsed the AG and said Thursday he has no "current intentions" to enter the race as an independent candidate).
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Step 1: Step 1: Get your supplies together
- Scissors or an X-Acto Knife
-Box with lid
-thin cardboard or posterboard
-coins to sort
Step 2: Step 2: Cut your dividers out
What you need to do now is cut the dividers out. They have to be rectangles with the height and width of a cross section of your box. You'll need four identical rectangles.
Step 3: Step 3: Trace the coin slots
Step 5: Step 5: Line up the dividers in the box
Step 6: Step 6: Close the lid and shake!
It's a practical tool, social commentary and parable all rolled up in one.
(I imagine the lightweight dividers might be a bit flimsy for larger fistfuls of change. Perhaps some thin plywood or balsa with holes drilled and then glued into place would do the trick there.)
It is nice to have coins organized. I hate digging through my coin jar trying to find the quarters :)
I guess the empty space could be useful for pouring in new coins if you're going to keep them inside the box. But if you do this eventually the cardboard will snap from the weight of all the coins in the box.


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I often open my terminal with multiple tabs, and exit with
exit command in Ubuntu.
What about mac? Except the
Take the 2-minute tour ×
Super User is a question and answer site for computer enthusiasts and power users. It's 100% free, no registration required.
I often open my terminal with multiple tabs, and exit with
Not sure if you have such a command, but I believe you can set up Mac OS X terminal to close when you type exit.
This will close the window but not the terminal app. Please have a look at this question about how to also quite the terminal app when typing exit.
I also had this question, but I really don't like the osascript hack. Finally I found this answer at Ask Different. I think it's a native.
The above screenshot shows a Terminal dialog in German, which when translated roughly means:
So it looks like you could configure Terminal to close when the shell is terminated.


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Hi, I'm Antony. I joined the A1 Discos Ltd team back in 2006 and since then have performed at many Weddings and Birthday parties. I enjoy playing music from all the decades and taking your requests. Outside of work, my interests include worldwide culture, watching movies and for the past ten years I have been Ceroc dancing. I look forward to meeting you and playing all your favourite tunes.
My Function Photos
My Function Feedback
Great DJ, excellent music played everything we wanted & more, made the evening for us. Thank you!
A massive thank you to Antony for brilliant music throughout the evening. We invited many of our ceroc dancing friends to our wedding party. Imagine our surprise when A1 booked us a ceroc dancer as our DJ with all our favourite dance tracks to hand. Perfect! And even some tracks for 'normal' dancers too... Many thanks to A1 and to Antony for contributing to what was a terrific evening.
Hello Tony. I would just like to say a huge, huge thank you to A1 Discos and especially Antony and his helper (sorry i forget his name), for a fantastic job at our wedding. Extremely friendly and very helpful. I'd have no hesitation in recommending A1. Thanks once again Martin and Jodie
Sue, just a short note to thank you very much for Antony on Sat night. He turned up on time (50 mins early to be precise) and was a dream to deal with. We even gave him a tip (you don't need to know that) but that's an indication of our thanks. Please pass these words on to him as I am not one who praises people too easily. Thank you also for your hard work in setting it all up. Regards, Ray Upcraft
The service was excellent right through from the friendly & helpful lady on the phone at first, to the DJs who were very good & professional. Sue was my initial contact & she was great. It was good value for money. We would highly recommend Anthony & Ian, they were very good, they gauged how the party was going & whch music was popular & what people liked, as a result it was a tremendous success & everybody remarked how good the music was. Everyone was up dancing all the time, the DJs seemed to be enjoying it as much as we all did. Thanks Christine
Many thanks for the Disco for my husbands 70th birthday, held in Windsor last Saturday night. Special thanks to Antony for playing all the good music, it went very well. Best Wishes. Jean Read.
Top 3's from My Charts
Current Pop
Black Magic by Little Mix
Are You With Me by Lost Frequencies
Shine by Years & Years
Gangnam Style by PSY
Moves Like Jagger by Maroon 5 (feat. Christina Aguilera)
On The Floor by Jennifer Lopez
Don't Forget About Us by Mariah Carey
Because of You by Kelly Clarkson
Don't Phunk With My Heart by Black Eyed Peas
Dreamer by Livin' Joy
I Luv You Baby by Original
Push The Feeling On by Nightcrawlers
Club Tropicana by Wham
When The Going Gets Tough by Billy Ocean
Loco In Acapulco by Four Tops
Staying Alive by Bee Gees
Boogie Wonderland by Earth Wind And Fire
Good Times by Chic
Doo Wah Diddy Diddy by Manfred Mann
Do You Love Me by Brian Poole
Good Golly Miss Molly by Little Richard
Clubland Classics
Barbra Streisand by Duck Sauce
Dance Again by Jennifer Lopez feat. Pitbull
Don't You Worry Child by Swedish House Mafia
Dance Anthems
Two Can Play That Game by Bobby Brown
U Sure Do by Strike
Finally by Ce Ce Peniston
Hip Hop and RnB
This Is How We Do It by Montell Jordan
Vibe by R Kelly
In Da Club by 50 Cent
Mr Brightside by Killers
Dare by Gorillaz
What's My Age Again by Blink 182
Heatwave by Martha Reeves & The Vandellas
Needle in the Haystack by Velvettes
Stop In The Name Of Love by Diana Ross & The Supremes
Party Favourites
Dancing Queen by Abba
Staying Alive by Bee Gees
YMCA by Village People
Living On A Prayer by Bon Jovi
Summer Of 69 by Bryan Adams
Sweet Child O' Mine by Guns N Roses
Soul and Funk
Roses Are Red by Mac Band
Love Come Down by Evelyn King
I'm Every Woman by Chaka Khan
1st Dance Favourites
Always by Bon Jovi
I Swear by All 4 One
Lady In Red by Chris De Burgh
Like our site or recommend us to a friend.Tweets by @A1DiscosLtd


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The majority of DEVS courses are campus-based and offered in lecture and/or seminar format. First and second years classes tend to be larger and lecture based but offer smaller tutorial sections of 20-25 students, providing an opportunity to engage with teaching assistants and/or instructors and encouraging debate and discussion amongst students.
Class sizes in upper years are generally smaller, allowing for closer contact between students and faculty. Most DEVS courses are open to students from all departments at Queen's but some are restricted to DEVS concentrators. In all cases, students must have the necessary prerequisites and/or permission from the instructor.
For more details on our range of courses please visit the Faculty of Arts and Science Calendar
For details on course times and location please use the University Timetable search engine at http://www.queensu.ca/registrar/currentstudents/coursetimetable.html.


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Spurs have been on the trail of the Internacional striker for some time, with a January swoop for his services collapsing on deadline day.
Andre Villas-Boas has continued to monitor the 23-year-old since then, with a second approach this summer believed to be in the pipeline.
Spurs are, however, not the only side in the running for Damiao's signature, with Italian outfit Napoli having joined them at the head of the transfer queue.
Damiao's representative is refusing to close the door on any possible deal as the window of opportunity prepares to swing open once more, and he insists Tottenham remain an attractive option for his client.
Vinicius Prates said: "Of course all players dream of playing in the Premier League.
"Tottenham are an important club in London, we can't rule them out."


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There is a spike of fixes on April 21st, which was this past Tuesday. That is likely due to two reasons. First, patch 3.1.1 was released and many of the changes had to be done via a client side patch and by some realm maintenance. Secondly, there were not any fixes released during the weekend of April 18th, so a few days of bug-e-ness went by.
Just by looking at the graph you can tell there's about an average of 13 or so fixes per day, and that number is steadily dropping.
Hopefully this means that the bugs are going away too, and overall things are becoming more stable in-game.
The announced changes after the break!
- Glyph of Overpower will now properly provide a 100% chance to enable Overpower after a parry.
- Ghostly Philantropists have gone broke and will now drop zero gold.
- Replenishmen
t has been changed in Arenas: http://forums.worldofwarcraft.com/thread.html?topicId=16474152841&sid=1


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Chromium Picolinate 500 mcg 120 vcaps
High Potency Dietary Supplement
Serving Size: 1 capsuleServings Per Container: 120
Chromium (as Chromium Picolinate) 500 mcg
Cellulose (plant origin), vegetable cellulose, vegetable magnesium stearate.
For adults, take one (1) capsule daily, preferably with a meal or follow the advice of your health care professional. As a reminder, discuss the supplements and medications you take with our health care providers.
Not intended for use by pregnant or nursing women. If you are taking any medications, consult your doctor before use. Discontinue use and consult your doctor if any adverse reactions occur.
Keep out of reach of children.Store in a dry place and avoid excessive heat.Tamper resistant: Do not use of seal under cap is broken or missing.
Free of yeast, wheat, milk or milk derivatives, lactose, sugar, preservatives, soy, artificial color, artificial flavor, sodium (less than 5 mg per serving).
Laboratory tested to guarantee quality.For health care professional use only.


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Give yourself permission to dream. You may be a realist by nature but a little bit of fantasy is not a bad thing and could do wonders for your confidence. Maybe you'll think of something you can use to your advantage.
or email email@example.com
February 12, 2013 | 5:00am
We've sent an email with instructions to create a new password. Your existing password has not been changed.


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This is a plugin that adds an author box to the end of your posts, showing off the authors name, description, website link and gravatar powered avatar
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All plans include 20 years of storage, medical courier, and FDA approved C-section cord blood collection bag. You will not be charged any fees prior to confirming the viability of your baby's cord blood, cord tissue and placenta tissue at our lab.
If you'd like to purchase additional storage upfront, you can purchase 20 extra years of storage for an additional $1999 per product.
Half of all babies arrive before their due date, and you have just one opportunity to bank your baby's stem cells. Enroll now with our no-risk return policy and if you decide later not to bank return the kit and you pay nothing.
Prices subject to change. Fees apply to single-birth, U.S. customers only. Cancellation fees may apply. All major credit cards accepted.
Rebate for doctor and hospital fees
Your caregiver might also charge a fee to collect your baby's stem cells. Some insurance carriers cover this fee. Americord will rebate up to $200 to our clients for collection fees not covered by insurance.


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Apply today »
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Campbell Advantage
Preparing the Next
Generation of
Health Care Professionals
"The Time
is Now"
Give today »
Celebrating over
125 years of
faith, learning
and service.
April 19, 2013 at 5:00pm - April 21, 2013 at 12:00pm
For the 3rd year in a row, Campus Ministry will provide Bible study and worship leaders for Spring Fling at Caswell. Held in conjunction with NC Baptist Campus Ministry and the NC Baptist Men, youth groups from around the state come to Caswell for a fun weekend filled with worship, Bible studies, and recreation. To find out more about Spring Fling at Caswell, please contact Tyler Ward via email, email@example.com, or by calling 910-814-4336.
© 2015 Campbell University
All Rights Reserved.
800.334.4111 or 910.893.1200
Maps & GPS
143 Main St.
Buies Creek, NC 27506
Mailing Address
P.O. Box 567
Buies Creek, NC 27506


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Welcome to The Sydney Business and Travel Academy
SBTA offers a diverse range of government-approved courses, all designed to equip students with the skills required to succeed in today's dynamic global workplace.
Since 1985 we have been leading the way in vocational education and training, preparing thousands of students for successful careers in business, hospitality and tourism. Our mission is to provide you with the skills, knowledge and qualifications that will enhance your career prospects and give you an advantage above the rest.
If you require an English language preparation course prior to your vocational studies with us, we can offer you a package program with our sister school, The Sydney English Language Academy. Should you wish to continue on to university after graduation from SBTA, you will be pleased to know that we have formal partnerships with a number of Australian universities where you can enjoy the advantages of direct entry and credit transfer.
Whether your career aspirations lie in the international world of business or the growth industries of hospitality or tourism we know that a course at SBTA will open up an amazing world of opportunities for you.
We look forward to welcoming you!
Next page: The SBTA Experience


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The advice from John and Suzanne is right on the money. Be prepared to be flexible, adaptable and also grow a thick skin!! There will be many No's before there are YES's.... The reason being that this community has taken a beating financially over recent years. They will pick and choose what's right for them. Taking a gamble on an unknown is also not something that happens very often anymore unless you are well connected. Most galleries or art curators have to see what you are capable of first, and as you are gradually able to make inroads, and demonstrate successes, galleries may then start to see you are serious, and take you on. It might be part of a group show at first or for a limited number of images. Or a juried competition. Over time your name will become familiar to these people. Try alternative avenues like state and local art fairs. Adaptability is key here.
Presentation for interviews also varies as others have said. My limited experience so far down this path has had me having to create CD's of print scans and provide actual mounted prints for show. It depends from each individual gallery or curator to another. Like I said, be flexible, and do what the gallery/jury requirements ask for. Often times these days, there are fees to even enter juried shows with no guarantee of success.
Other things I am seeing is that more and more places want narrative for the images they show. There has to be a background and a context behind the images you make that drives you to make them in the first place. Explain that with a cover letter and artists statement. Be passionate about what you are doing and why, and more importantly, be prepared to talk through this in detail during your presentation to the gallery. It has to come over as a complete package.... Sell it as such. Lastly and not least, a well established photographer once told me...... "Don't quit your day job!" YMMV.... good luck.


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Showtime's "The Tudors" and star Jonathan Rhys Meyers will return for a third season, with production set to begin in June in Ireland.
The show, with Rhys Myers portraying an especially fit and handsome King Henry VIII, is midway through its second year. The next season will air in 2009.
"'The Tudors' is now a fixture for us at Showtime and we're on our way to completing the entire saga of all six wives of Henry VIII," Robert Greenblatt, the premium channel's president of entertainment, said in announcing the series' pickup.
The drama tracks the king's romantic ups and downs with women including Queen Katherine (Maria Doyle Kennedy), Anne Boleyn (Natalie Dormer) and Jane Seymour (Anita Briem), as well as his clashes with the church.
Copyright 2015 by Associated Press. All rights reserved.
This material may not be published, broadcast, rewritten or redistributed.


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Our primary goal is to provide our customers with the highest quality services and swift response time from our knowledgeable team of professionals. We prefer to take a pro-active approach to minimize your down time and ensure the highest production capability. U.S. Crane, LLC was founded to provide companies that utilize Overhead Material Handling Equipment the opportunity to move forward with their day to day operations of their manufacturing facilities. We give our customers the confidence that their cranes and trained personal will operate safely and that their equipment has been inspected with the proper preventive maintenance programs in place.
The company was founded with the intent of controlled growth; keeping our operating expenses lower than our competition and only employing experienced veterans of the material handling industry guarantees that all service requests are responded to in a timely manner.


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If you are married, it may be in your best interest to buy a joint-life policy. This is an excellent option for anyone who would like to save money. However, this policy ends when one party dies, and will only payout on one death.
A part of the reason why insurance companies are charging you a lot for life insurance could be because you participate in dangerous hobbies such as skydiving or bungee jumping. Some risky occupations, such as piloting a helicopter, will cause your premiums to go up. Make sure that you do research and check out a variety of different companies to ensure that you are getting the best quote available. The Internet makes doing research easier, because it provides all of this information at your fingertips almost instantly. It is possible to narrow things down to a provider who gives affordable rates for the extended coverage you desire. Don't just choose a company based on low rates, look them up and check out their reputation too.
You'll find there can be tremendous variation in the cost of insurance companies. Some insurance companies charge almost half again what others charge for the same coverage. Try comparing quotes online from various insurers, and pick a website that adjust quotes to your own medical history. It often makes more financial sense for people to pay their insurance premiums yearly rather than monthly. By paying the premium on a yearly basis, a lot of money can be saved. For a dependable life insurance policy, do some checking to make sure the company that you are working with is financially stable and trustworthy. You should look for a company with a high rating of at least A.
A good tip you if you're looking to enroll in a life insurance policy is to know what coverage you need. No professional out there understands what your financial standing is better than you. So try not to let them talk you into buying more coverage than you feel you need. You should be clear on all available options, financial limitations and other features.
How much do you need with life insurance? First, you should ask yourself whether or not you absolutely need to pay for a policy. If you're single and childless, then probably not. The typical recommendation is to buy between five and ten times your yearly salary. Understand that there are two types of life insurance policies, term and permanent. Term applies to a policy with a fixed payout, and a whole life policy usually involves an investment component. Knowing how they differ can mean the difference between making a wise financial decision and wasting thousands of dollars.
Prices can vary significantly from company to company. Some research has shown that price discrepancy can be as high as 40 percent. Make use of an online service that will provide quotes from a variety of insurance providers. Ensure that prior medical conditions are considered when comparing quotes. Before shelling out the cash for life insurance for the first time, question your motives for buying it. Maybe it is because you were taught by your parents that life insurance is a necessity. The main purpose of paying for a life insurance policy is to offer support for one's dependents, which include partners and/or children. Should you suddenly pass away, having this policy in place will provide some financial security for those left behind. When you're young, insurance is much cheaper, but you shouldn't let someone push you into buying it before you're ready.
Know the exact amount of life insurance you need to purchase. The person who knows how much you need the most is you. Don't let a salesperson or anyone else convince you to buy more insurance than you planned, because you know what your needs are. Review your needs and purchase a policy accordingly. Go to a financial adviser for help, instead of a broker. Be aware that most brokers are earning a commission off the insurance policies they sell, so they may push a policy on you that isn't the best choice for you. On the other hand, financial advisers are paid a flat fee. Financial advisers are likelier to be truthful with you because they don't have the incentive to sell you the most expensive policy.
Be certain that you pick the most widely adapted coverage, should you choose term life insurance. Typical policies range from five to thirty years. When selecting how long you want your coverage to last, you should consider things such as your children's age or your mortgage payments. Buying life insurance isn't something you want to do on the cheap or you'll end up getting what you pay for! Insurance companies are not interchangeable; there are significant differences that make some a better choice then others. Research insurance companies, especially the established ones, they generally are financially sound and offer quality investments.