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Home > > Ekstraklasa > Gornik Zabrze > Squad > Profile: Aleksander Kwiek
Aleksander Kwiek Gornik Zabrze
Profile of the footballer Aleksander Kwiek, who currently plays as a at Gornik Zabrze. The -year old player Kwiek joined Gornik Zabrze from and wears the number shirt.
Aleksander Kwiek Career
Aleksander Kwiek Photos
Aleksander Kwiek : Gornik Zabrze News
Aleksander Kwiek Career Honours
Source: wikipedia.org
Aleksander Kwiek Wiki, Stats & Links
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West Ham Ladies captain Stacey Little leaves club over ëdisgustingí treatment


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Go Ahead, Back Hillary Clinton and Forget All About Her Record
Hillary, Bernie and the Banks
Killer Care: How Medical Error Became America's Third Leading Cause of Death
Why the U.S. Owns the Rise of Islamic State and the Syria Disaster
Chaos Is the GOP's New Normal
Richard Ellis $17.41
This week on Truthdig Radio in association with KPFK: Economist Michael Hudson attacks Obama's proposed cuts. Also on the program: the fight to keep Monsanto from polluting Hawaii's natural wonders, a college degree ain't what it used to be, and a new movie documents the legal showdown over medical marijuana.
Photo illustration from an image by Colin Grey (CC-BY)
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For the first time in 34 years, Social Security beneficiaries will not get a benefit boost from a cost-of-living adjustment. Falling energy prices, in particular, should keep seniors flush with their monthly average $1,094 checks. So what if their health care costs have gone up by a third?
Flickr / kwerfeldein
Forget about cavities. Doctors report in the International Journal of Clinical Practice that excessive cola drinking can cause paralysis and a host of other serious health problems. Extreme symptoms were suffered by people who drank as much as three liters of cola a day. That kind of soda binging is becoming less rare, says one doctor.
From the Daily Mail
Members of the American Medical Association's annual conference will call for a levy on the sweeteners put in sugary drinks to pay for a massive health education campaign.
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This peach pie recipe uses fresh peaches for a taste of summer in every bite. It's easy to make and smells fabulous as it bakes.
2 pie crusts, unbaked (recipe here)
6 medium peaches
1/3 cup flour
1 cup sugar
pinch salt
1 teaspoon lemon juice
1. Wash peaches, remove seed, then peel and slice.
2. In a large bowl, combine peaches, sugar, flour, salt and lemon juice.
3. Pour mixture into a put in a prepared pie crust. Dot the top of the peaches with butter.
4. Place the top crust onto the peaches in the pie pan. Seal the edges then cut a few slits in the top of the pie crust to let steam escape.
5. Sprinkle some sugar on the top of the pie crust.
6. Bake at 350 degrees F for 35-45 minutes
National Breast Cancer Awareness Month
Visit the NBCAM site to get more information and valuable free resources for patients, families and friends.
Iron is one of the most important minerals your body needs. Check out our list of foods high in iron to make the right choices even easier.
Halloween is just around the corner, so gather your craft supplies and have fun with these easy to make crafts especially for kids!
If you need ideas for a quick and delicious chicken dinner,
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From budget worksheets to housecleaning schedules (and everything in between),
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Alounsavath Guesthouse
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How has this hotel rated in the past?
- Continental Breakfast
- Free High-Speed Internet
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Travelers also recommend:
TravelPod Member ReviewsAlounsavath Guesthouse Luang Prabang
A wonderful place with very friendly owners and a great breakfast along the river. Can definitely recommend this place!
This review is the subjective opinion of a TravelPod member and not of TravelPod.com.
TripAdvisor Reviews Alounsavath Guesthouse Luang Prabang
Travel Blogs from Luang Prabang
The mighty Mekong and mighty elephants
We are going to learn to be a mahout! We are going to the elephant camp just outside Luang Prabang, in the jungle. It is a very cool place. It has Laos's style wooden cottages and a central area with river views, sounds of the jungle and friendly people. Our first introduction to the elephants is great. They are so big (bigger than we thought).They …
Magical places
... and watched boats coming sideways down the current. Those who use paddles not motors have to work hard to get upstream, and to pull in at the side of the river, they overshoot, and then paddle across while being carried back downstream. Now the river has risen so much (maybe 3 metres, it's hard to tell, except that a path that was there when we arrived in Muang Ngoi Neau was submerged by the time we left) a lot of stuff is being carried downstream, ...
Mekong river day 1
... they drive on the right,not something we have done since before Christmas in Qatar and secondly it is clearly a less rich country than Thailand or any other we have been to so far. Although the main road was Tarmac the secondary roads were not and a couple of bridges were made of railway sleepers. At first the river is the international border but after an hour the river is entirely in Lao. Both sides of ...
Back to some normality in Laos
... of checkers which Nicole won and chess which I won (although Nicole didn't really know how to play). On the way back we passed a cute little girl who eagerly and sweetly greeted us whilst holding up a small cloth design which she seemed to have made. I couldn't really justify buying it and carrying it on the rest of our trip but I still felt quite guilty walking away.
Back at our hotel we changed from the family room to the double which seems just as nice. We headed out for a Lao ...
L. P....ma ville lao préférée,my lao sweetheart ci
... je suis allé porter des bananes à un éléphant, celui-là même que Léo a monté pour la baignade dans le Mékong. Mais l'éléphant m'ayant reconnu, il venait toujours vers moi pour avoir d'autres bananes que je n'avais pas. Souper dans un petit resto au bord du Mékong! You will say that it is the only Lao city that I really know and you are right. But all those who,have travelled aroud the ...


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ISLAMABAD -- Turkish Prime Minister Recep Tayyip Erdogan said Thursday that Turkey's request for the deployment of NATO missiles in the country was aimed at boosting Turkey's defensive capabilities against possible attacks on a NATO ally.
"This is a defensive step which we have taken as Article 4 of the founding treaty of NATO makes Turkish territory a territory of the Alliance itself. The missiles will be deployed where our military decision makers deem necessary. This is entirely a defensive measure against possible attacks from the other side," Erdogan told reporters in Islamabad, Pakistan, where he is set to participate in a meeting of the Developing-8 countries.
Turkey on Wednesday placed a formal request to NATO for the deployment of Patriot missiles possibly on along the Syrian border which saw an escalation of tensions between the two neighbors after a stray Syrian shell had landed in Turkey killing five people.
NATO Secretary General Anders Fogh Rasmussen said Wednesday that NATO would discuss Turkey's request without delay.
"If approved, the deployment would be undertaken in accordance with NATO's standing air defense plan. It is up to the individual NATO countries that have available Patriots," he said.
The United States, Germany and The Netherlands are the only NATO members to have Patriot missiles in their arsenals.
During the Iraq wars of 1991 and 2003, NATO deployed Patriot missiles in Turkey but they were never used.
Rasmussen said a NATO team would visit Turkey next week to conduct a site-survey for the possible deployment of the missiles.
NATO Missile Deployment Defensive Measure
November 22, 2012
Source: Anadolu Agency
Last News
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- 4TURKEYEU presents Turkey with plan to stem flow of refugees
- 5WORLDTurkish scientist among Nobel Prize chemistry laureates


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Drew Goddart opened 3 mysteries about Martian Johnny Cash And His New Blonde Neighbor Elton John still wants to fight for Russian LGBT's rights MORE ›
Lyrics/song texts are property and copyright of their owners and provided for educational purposes only.
Stripping game (skit) Lyrics by Ja Rule
Stripping game (skit) by Ja Rule
Long long long time ago
White man went to Africa and
He saw these beautiful black women walkin' around sagging'
Dancing Workin' Livin' in the nude
You can see there public hair
This white man went from village to village
To seek out these black women
Watchin' them perform in the nude
Whit man had an idea
He figured he gonna go back to Europe right
Start the same type of business that started with black women
Get them white b**ches to dance the same way
Huh anit no shame in our black women
Wasn't no shame in them walkin' but ass naked
People over the years try to start the same thing
But it didn't happen
Those white b**ches told him the most beautiful words we ever heard in our profession
What she say?
Baby those whit b**ches looked him in the eye and told him
f**k that! Pay me!
That's why I get 30%
Where Can I Start?


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Select Local Merchants
First and Main Sports LoungeRead MoreAt First and Main Sports Lounge, you can snack away on tasty pub grub. The weekends are for going out for amazing combinations. Save the salad for the weekday and come grab a meal at First and Main Sports Lounge. Never miss a play with TVs broadcasting the biggest games in the bar area. Gather the whole family for a trip to First and Main Sports Lounge — everyone will find something to like (even the pickiest little eater) on the menu here. For no extra charge, utilize First and Main Sports Lounge's free wifi. First and Main Sports Lounge is a prime location to dine with a group. Prepare to face the crowds at First and Main Sports Lounge during the week — weekends tend to be slower. Take it nice and easy at First and Main Sports Lounge, where casual dress is the rule of the day. Impress the guests at your next gathering by calling in First and Main Sports Lounge for catering. Getting your food to go is also an option. Street and lot parking is simple near First and Main Sports Lounge. You won't need to save up for a trip to First and Main Sports Lounge — most meals cost less than $15. Breakfast, lunch, and dinner are all on First and Main Sports Lounge's menu — you can stop by whenever the moment's right for you.397 Main StLos Altos, CA US
Maltby's RestaurantRead MoreSunlight pours through the large windows of Maltby's Restaurant, illuminating the wood accents and English-pub-inspired decor that populates the restaurant's spacious bar and dining room. But, even as the interior screams "authentic pub," the menu slyly mouths "eclectic cuisine." While traditional pub dishes such as fish 'n' chips and beer-battered onion rings comfort tongues with familiar flavors, other dishes work with less predictable tastes. Beds of fries welcome dashes of gourmet ingredients, including grilled jalapeños, sun-dried tomatoes, feta cheese, and sea salt infused with chipotle and truffle oil. All-natural Niman Ranch beef patties cozy up to buns in each of the pub's burgers, and large salads sport only locally sourced, organic leafy greens. The restaurant's tavern specials mix it up by serving steaming plates of barbecue baby back ribs and spicy risotto jambalaya, whereas the weekend brunch menu pairs classic English and American breakfast platters with tequila sunrises, bloody marys, and Pimm's Cups.101 Plz NLos Altos, CA US
Marti's Dance StudioRead MoreCostumes and actors and plays, oh my! Marti's Dance Studio offers engaging theater for you and everyone you know in Los Altos. If a bite's all you're after, then you'll want to stop by this theater for a delicious fill of their home-cooked food. You won't need to get a sitter before heading to this theater — kids are more than welcome at this family-friendly establishment. Parking is plentiful, so patrons can feel free to bring their vehicles.1140 Riverside DrLos Altos, CA US
Peninsula Symphony OrchestraRead MorePeninsula Symphony, founded in 1949 with the goal of enriching communities with affordable musical productions, grew from a grassroots ensemble to a 90-plus-member orchestra of well-trained local musicians. Music Director Mitchell Sardou Klein leads the ensemble with a steady baton, a sharp ear, and the stamina to carry on through the inevitable triple encore.146 Main StLos Altos, CA US
Bus Barn Stage CompanyRead MoreEnjoy the best Los Altos has to offer with a ticket to one of Bus Barn Stage Company's stage productions. Pick up a tasty meal at their restaurant, located conveniently within the theater. Bring the whole clan to this theater — kids and parents will love the ambience here. Parking is plentiful, so visitors can feel free to bring their vehicles.97 Hillview AveLos Altos, CA US
Chevy's Fresh Mex RestaurantsRead MoreFeaturing a laid-back vibe and traditional Mexican fare, Chevy's Fresh Mex Restaurants aims to please its casual-dining guests. Enjoy a low-fat or gluten-free meal at Chevy's Fresh Mex Restaurants, a local favorite. Drinks here are readily available, so you can enjoy a glass of red or try something new. Both the young and the young-at-heart will dig the family-oriented menu and ambience at Chevy's Fresh Mex Restaurants. Happy hour at Chevy's Fresh Mex Restaurants is filled with deals and steals. During the summer months, don't miss out on Chevy's Fresh Mex Restaurants' outdoor patio seating. Chevy's Fresh Mex Restaurants is a local restaurant that accommodates both large and small groups. Heading over after work? Make sure to call ahead to reserve your table since crowds tend to pack Chevy's Fresh Mex Restaurants on weeknights. Chevy's Fresh Mex Restaurants welcomes laid-back diners, so there's no pressure to throw on heels or a tie. For those in a hurry, the restaurant lets you take your meal or snack to go. Chevy's Fresh Mex Restaurants can also cater your next party; call today for details. Score! Chevy's Fresh Mex Restaurants provides free parking to all diners in the lot next door. Chevy's Fresh Mex Restaurants is a prime location for cyclists to park their bikes and enjoy a bite to eat. A mid-priced establishment, Chevy's Fresh Mex Restaurants offers meals that typically cost about $30 or less. For a quick and easy payment solution at Chevy's Fresh Mex Restaurants, pay by major credit card. Reviewers rave about the dinner menu at the restaurant, though breakfast and lunch are also served.2116 W El Camino RealMountain View, CA US


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Listen to iFriendly audio.
SCS staffers Ray Friedlander and Mary Wood, and board members Judy Lehmann and Richard Nelson, talk about this Sunday's (5-8:30 PM Sun Dec 8, Sweetland Hall) Wild Foods Potluck. The program will feature short films and presentations. Learn more about the Sitka Conservation Society.
The Morning Interview
Wild Foods Potluck a celebration of Sitka's land & water
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Recent News
Emily Kwong: The new Raven Radio Reporter!
MUG SHOT: Emily Kwong was Raven Radio's 2014-15 Winter News Fellow, and now she will be taking over as our full-time reporter! She loves this community, and we're so excited that she's sticking around! Show your support for our local … more
Sitka Wolves win first-ever XCountry title
The Sitka High boys have won the state Cross Country title. The Wolves toppled defending champion Grace Christian on Saturday (10-3-15) to take the small-schools trophy. more


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2 Bayshore clothing shops to closeJanuary 2, 2013 // 0 Comments
A pair of women's clothing retailers are closing at Glendale's Bayshore Town Center, with one of those vacant spaces to be filled by an Express clothing store.
Coldwater Creek is closing its Bayshore store at the end of business on Sunday, and will be replaced by an Express store by late spring or early summer, said David Moss, Bayshore general manager.
Express, which sells both men's and women's apparel, has been the most heavily requested store by Bayshore shoppers, Moss said Wednesday.
"We're very excited about it," he said.
Columbus, Ohio-based Express, which operates Milwaukee-area stores at Southridge Mall and Mayfair, targets customers age 20 to 30. Through the first three quarters of 2012, Express posted net income of $75.3 million on sales of $1.42 billion, compared to net income of $80.3 million on sales of $1.4 billion from the year-earlier period.
Sandpoint, Idaho-based Coldwater Creek was among several new retailers at Bayshore after the renovated and expanded mall opened in the fall of 2006. It sells mid-price and upper range casual clothing for women age 35 to 55
Coldwater, in its latest financial report, posted a $61.8 million loss for the first three quarters of 2012, compared with an $86.9 million year-earlier loss.
Another Bayshore store, casual women's apparel retailer Christopher & Banks, closed at the end of December, Moss said. A new tenant for that space has not yet been announced.
Plymouth, Minn.-based Christopher & Banks lost $12 million the first three quarters of 2012, compared with a $39.3 million year-earlier loss.
Calls to the corporate offices of Coldwater Creek and Christopher & Banks were not returned.
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System of a Down
One of the most original bands ever to gain a bankable following is beginning to sound a little too comfortable in its own self-invented genre. Not that any other band has duplicated the formula: metalcore mosh with auctioneer-gone-mad vocals, followed by incantational harmonies and exotic-stringed acoustic breaks. And few other bands with such Zappa-like contempt for pop culture have landed on MTV. But more than half the tracks on Hypnotize follow the tried and true with professional polish -- not a good thing for the band whose punky spontaneity is its hidden ace. When a jabbering, balls-out obnoxious incitement to eat patriots sounds too familiar and downright casual, there's a problem. Unlike May's sister release, Mezmerize -- which was both more fun and more clearly political -- Hypnotize's best tracks are the less frenetic ones: the title song's meditative, mid-tempo heaviness, the unclassifiable textures of "She's Like Heroin," and the nearly Queen-ish "Kill Rock 'N Roll." It's time for System of a Down to shock its own system.
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Gibbs & Cox, Inc., an independent naval architecture and marine engineering firms, announced the appointment of Frank DeMasi to Deputy Director of its Government Services Group. In this role, DeMasi will carry out initiatives to expand the group's core expertise to provide life cycle design and engineering support services that meet the evolving needs of U.S. naval and maritime defense customers. DeMasi, a former Naval Captain, served in the U.S. Navy for 29 years, and has also worked for ten years as SAIC's Vice President and Deputy Operations Manager of the Defense Engineering and Management Solutions operation.
ACE Winches hosted a delegation from SPRING Singapore to its Towie Barclay Works facility for a visit to share an overview of its products and services, including
Ukrainian maize exports to China under a $1.5 billion loan-for-grains deal could be significantly below an expected 2 million tonnes this year, as Beijing appears to want less of the commodity,
Sea Trucks has completed sea trials of the DP3 offshore construction vessel Jascon 18 in Singapore.
Jascon 18 features a 1,800-metric-ton crane, 1,800 sq m deck and a 750-metric-ton pipelay system.
The way in which users will be able to buy and access Autodesk software is changing.
To help users better understand these changes and their implications, software
The Royal Thai Navy has ordered a new 32-meter tug from shipbuilder Italthai Marine Limited of Thailand, announced the vessel's designer, Robert Allan Ltd.
Italthai Marine,
Eastern Shipbuilding Group, Inc. announced it has launched escort tug Triton for Suderman & Young Towing Company on September 11, 2015.
The launch ceremony


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@cnnsport chatted with Laura Sumrall about her winning freestyle reining performance to Frozen's 'Let it Go':
USEF Network
.@PicChick1 The top 10 results were just live streamed. Top 4 in order: Tori, McKayla, Hunter, TJ. Will post complete results ASAP 10/4/2015 2:42:38 PM
USEF Network
.@PicChick1 We streamed all the way through the awards. If you missed it we will have it all available on demand early next week. 10/4/2015 2:41:16 PM
USEF Network
We have posted the 4 rides from the final round of the ride-off on our Facebook page for anyone that missed it:
USEF Network
Leading Trainer: Andre Dignelli 10/4/2015 2:32:42 PM
USEF Network
Grapa Trophy (Best Horse) winner: Skyfall owned by Linda Langmeier 10/4/2015 2:31:23 PM
USEF Network
Talent Search Finals East 2015 Champion: Tori Colvin riding Avalanche 10/4/2015 2:24:43 PM
USEF Network
2nd: McKayla Langmeier riding Skyfall 10/4/2015 2:24:05 PM
USEF Network
3rd: @holloway_hunter riding Any Given Sunday 10/4/2015 2:23:06 PM
USEF Network
4th: T.J. O'Mara riding Kaskade 10/4/2015 2:22:38 PM
Announcing the Vermont Eventing Challenge sponsored by Strafford Saddlery Shop
RELEASE: February 15, 2012
AUTHOR/ADMINISTRATOR: The Green Mountain Horse Association
South Woodstock, VT -
The Green Mountain Horse Association, South Woodstock, Hitching Post Farm, South Royalton and Huntington Farm, South Strafford, VT are teaming up to create a new program for event riders for 2012. The Vermont Eventing Challenge is a year end awards program for riders competing in Vermont's USEA recognized Horse Trials. Annie Penfield owner of Strafford Saddlery Shop is pleased to support the goal of the program to promote event competition at many levels in the state of Vermont, and to provide riders with a season-long goal, attainable within the area. The VT Eventing Challenge shows for 2012 will be Hitching Post Farm Horse Trial (May 19 - 20) GMHA's June Horse Trials (June 2- 3), Huntington Farm Horse Trial (July 14 - 15) GMHA August Horse Trials (August 10 - 12) Huntington Farm Horse Trial (August 18 - 19) and GMHA September Horse Trials (September 15 - 16).
This exciting new program will be open to any horse and rider combination participating in the challenge events. Competitors must declare a horse and rider combination, level of competition, and pay a nominating fee in order to be eligible for the Vermont Eventing Challenge. Horse and rider combinations are only eligible at one level per season; riders may declare multiple horses. The program will be administered by the Green Mountain Horse Association in cooperation with Hitching Post Farm and Huntington Farm.
Once a horse and rider combination has been declared, the low score from each competition will count towards the Vermont Eventing Challenge. The best four out of six scores at the declared level of competition will be averaged to determine the winner of the Vermont Eventing Challenge. Riders are encouraged to participate in all six eligible events, in which case the worst scores of the six scores will be dropped. Ribbons and awards will be presented for 1st through 6th place at Training, Novice and Beginner Novice levels. To become a part of this exciting new awards program, please visit
to download the details and a declaration form.
A limited number of sponsorship opportunities are available for this program! Sponsorship is a great way to support Eventing in Vermont while gaining exposure for your business. For details, please contact the Green Mountain Horse Association's Molly Hutchins at (802) 457 1509, ext. 219 or
. Find information at
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Colvin Unbeatable in Platinum Performance/USEF Show Jumping Talent Search Finals East
Gladstone, N.J. – Victoria (Tori) Colvin of Loxahatchee, Fla. led the 2015 Platinum Performance/USEF Show Jumping Talent Search Finals East from start to finish. With her signature grace under pressure, the young superstar revealed the innate ...
Weber Claims 12th USEF Four-in-Hand Driving National Championship at Kentucky Classic CDE
Lexington, Ky. –The 2015 USEF Four-in-Hand Driving National Championship started out cold and rainy, but was warm and sunny for Sunday's cones phase in the Rolex Stadium at the Kentucky Horse Park. The lovely day set the stage for ...
Colvin Takes Commanding Lead after Day One of Platinum Performance/USEF Show Jumping Talent Search Finals East
Gladstone, N.J. – Cold winds and rain could not dampen the spirit of young equestrians competing in the Platinum Performance/USEF Show Jumping Talent Search Finals East held today at the iconic United States Equestrian Team Foundation ...
Weber Maintains Lead in USEF Four-in-Hand Driving National Championship at Kentucky Classic CDE
Lexington, Ky. – A rainy day at the Kentucky Classic CDE did not stop the competitors in the USEF Four-in-Hand Driving National Championship from delivering competitive performances in the marathon phase over the picturesque grounds of the ...
Developing Show Jumpers Ready for Platinum Performance/USEF Show Jumping Talent Search Finals East
Gladstone, N.J. - The future stars of U.S. show jumping will be tested this weekend as 61 top junior and young riders meet for the Platinum Performance/USEF Show Jumping Talent Search Finals East taking place October 3-4. The event will be held at ...
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Party Ideas big kids and li'l kids
Party Ideas big kids and li'l kids
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Keep Calm and love The Beatles.
The Beatles, Inspiration, Quotes, Stuff, Keep Calm Poster, Fab, Random, Keepcalm, Things
really don't know what the "keep calm" thing is about. But it's The Beatles.
the beatles knew their stuff
The Fab Four
Keep kalm and quote The Beatles.
#keepcalm the #Beatles way . Keep Calm and #KeepCalm
I usually hate those keep calm posters but this one was too good to pass up. Keep calm and listen to The Beatles
The Beatles Birthday cake! Too cool! WOAHH THIS IS SO AMAZING!!! i so want to have this birthday cake, maybe for one of the big birthdays ;)
The Beatles, Beatles Theme, Wedding Cakes, Cakes Wedding, Parties Cakes, Design Cakes, Birthday Cakes, Grooms Cakes, Beatles Cakes
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The Beatles cake - great for a #party #cake
'The Beatles' Rock Star Birthday Party - Kara's Party Ideas - The Place for All…
This BEATLES THEMED BIRTHDAY PARTY featured on Kara's Party Ideas- www.KarasPartyIde..., will blow you away! So, so fun!
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The Beatles cake!
beatles party - Kara's Party Ideas
Beatles theme party ideas... I LOVE THE BEATLES!!!
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beatles bday
Fill 30 balloons with helium and attach a ribbon with a photo for each year of the person's life at the end of the balloon. Gather them all together (I used the bed for photo support) in any room in your house and wait for the birthday surprise.
Helium Balloon, Birthday Balloon, Cute Ideas, Parties Ideas, Balloons, Photo, Birthday Ideas, Birthday Gifts, Birthday Surprise
Cute idea- Fill balloons with helium and attach a ribbon with a photo for each year of the person's life at the end of the balloon. Gather them all together (I used the bed for photo support) in any room in your house and wait for the birthday surprise.
birthday gifts have you tied over? helium balloons with photos and messages attached. #dorm #creative #college
Birthday Surprise: Helium balloons attached to photos of the person aged 1-? with messages on the back.
Great birthday idea: Get a photo for each year of the person's life. Crop and then attach each picture to white paper to make it look like a Polaroid picture. Number each photo with the corresponding birthday. Fill helium balloons and attach to each picture.
Party Idea: Birthday balloons with photos tied at the end. Use other birthday photos, pictures of past adventures.
Birthday balloons tied to a lifetime's worth of photos! Great birthday surprise!
Photo 29 of 71: Minecraft Birthday Party / Birthday "Minecraft Party" | Catch My Party
Minecraft Parties, Minecraft Cups, Minecraft Ideas, Minecraft Birthday Party, Parties Ideas, Minecraft Birthday Parties, Birthday Minecraft, Party Ideas, Birthday Ideas
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Glow in the Dark Party! - Kara's Party Ideas - The Place for All Things Party
Glow in the dark party - I think I'll be doing this for one of my boys for sure!
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Glow In The Dark Party Table Party
Glow sticks for buzz for ToyStory party
Space Birthday Party ideas - cost effective. some materials can be reused for neon party.
Glow In The Dark Backyard Party
Spiderman Birthday Cake by { anightowlblog.com } #spiderman #birthday #party
Boys Spiderman Birthday, Birthday Parties Spiderman, Spiders Men Birthday Cakes, Easy Spiderman Birthday Cakes, Diy Spiderman Cakes, Parties Ideas, Cakes Spiderman, Spiderman Birthday Parties, Boys 3Rd Birthday Cupcake
Easy Spiderman Birthday Cake by { anightowlblog.com } #spiderman #birthday #party
Spiderman Birthday Cake #spiderman #birthday #party
Spiderman Birthday Party idea for cupcakes
Spiderman Birthday Party - A Night Owl Blog
Spider web cupcakes, favor bags, and more ideas for a DIY Spiderman birthday party including a free printable
Diy Spiderman, Spiderman Birthday, Spiders Men, Spiderman Parties, Cupcake Favors, Birthday Parties, Spiderman Pinata, Favors Bags, Parties Ideas
Spiderman pinata & other spiderman party ideas
Spider web cupcakes, favor bags, and more ideas for a DIY Spiderman birthday party including a free printable Visit www.fireblossomcandle.com for more party ideas!
spider man web printabl | Spider web cupcakes, favor bags, and more ideas for a DIY Spiderman ...
DIY Spiderman Party ~ Reading Confetti
Spiderman birthday party. The web made of streamers is just so fantastic.
Spiderman Birthday, 4Th Birthday, Halloween Parties, Halloween Decor, Birthday Parties, Spiders Men Parties, Birthday Love, Parties Ideas, Parties Streamers
Could do a Halloween party...
halloween decorations
Spiderman birthday party streamer
Despicable Me Party Sign
Despicable Me Parties, Birthday Parties, Classroom Door, Minions Parties, Parties Ideas, Despicable Me Party, Parties Signs, Classroom Rules, Parties Rules
Lots of Minion Party Ideas
Despicable Me Party Sign -----> for the classroom door?
I want to change this to "classroom rules" and hang it on my classroom door!
Despicable Me Party Sign and good blog description about her child's birthday party.
Despicable Me Party Sign. I LOVE his party rules ;)
Despicable Me Party Sign - for Mya's Minion party
Mad's Despicable Me Party
Auberge du Soleil, Napa...a wonderful place for my 40th birthday!
Auberg Resorts, The Auberg, Dreams Big, Du Soleil California, Favorite Places, Places I D, Napa Valley California, Restaurant, Hotels
Auberge du Soleil, California | luxury hotels, well living hotels, luxury living, best hotels. For More News:http://www.bocadolobo.com/en/news-and-events/
Auberge du Soleil - Napa Valley, California
My favorite! Auberge Resort, Napa
Auberge du Soleil, California
mimosa bar
Shower Ideas, Bridal Luncheon, Shops Lists, Parties Ideas, Bridal Shower, Bridal Suits, Wedding Morning, Mimosa Bar
Mimosa Bar (and a shopping list) bridal shower idea
mimosa bar how to (and shopping list) BRIDAL LUNCHEON
Wedding morning mimosa bar - how to (and shopping list)...
mimosa bar how to (and shopping list). Great party idea:)
Mimosa Bar!!! - A How To Step-by-Step Guide, complete with every thing you'll need to make your own Mimosa Bar (even a shopping list). Would be great for the bridal suite!
mimosa bar how to (and shopping list)
Fall party decoration: carved out pumpkin drink holder. Very creative. Could probably do it with a watermelon for a summer party as well...
Halloween Parties, Fall Parties, Pumpkin Drinks, Pumpkin Ice, Cute Ideas, Summer Parties, Pumpkin Coolers, Ice Buckets, Parties Ideas
So many cute ideas is you are throwing a Halloween party. Fall party decoration: carved out pumpkin drink holder. Very creative. Could probably do it with a watermelon for a summer party as well...
Fall party decoration: carved out pumpkin drink holder. Very creative. Could probably do it with a watermelon for a summer party as well... So fun! House party idea!
DIY pumpkin cooler! GREAT idea: glass bowl in the pumpkin so it doesn't leak! #pumpkin #fall #party #parties #idea
Fall party decoration: carved out pumpkin ice bucket for BOOze. Could probably do it with a watermelon for a summer party as well...
Crafts a la mode : Pumpkin Bowls
Very Hungry Caterpillar party: grape skewers with strawberry "head"
Kids Parties, Hungry Caterpillar Parties, Hungry Caterpillar Party, Google Search, Very Hungry Caterpillar, Parties Ideas, Fruit Skewers, Party Ideas, Parties Food
Reptile party food - snake fruit skewers - how clever!!
Very Hungry Caterpillar Party, party food, very hungry caterpillar party ideas, DIY party decor
For a kids party - Very Hungry Caterpillar party: grape skewers with strawberry "head"
the very hungry caterpillar party ideas - Google Search
black and white table decorations
Tables Sets, Party'S, Birthday Parties, Black And White, White Parties, Black White, Parties Ideas, New Years Eve, Balloon
Lovely black and white party theme for New Years! #black #white #balloons #party #new #years
Black and white party table setting idea
Don't worry - I'm not going to use balloons... black and white party - would love to plan this theme...possibly an anniversary party idea for us in the future.
Kara's Party Ideas | Kids Birthday Party Themes: Black, White & Silver Glamourous Holiday Party!
Black and White New Years Eve party - like the balloons tethered at place settings, and interesting textural table cover.
Love this idea!
Wedding Ideas, Cute Ideas, Grand Exit, Sparklers Exit, Grandexit, The Bride, Sparklers Send Off, Wedding Sparklers, Wedding Exit
I think the sparkler exit would work out really well for a grand exit!
Wedding ideas, best friends wedding, sparklers, seeing off the bride and groom, cute idea
Sparklers for the bride and groom's grand exit | End of reception | Wedding idea
Sparkler Send Off! Cute idea!
#wedding #sparklers #grandexit
Wedding ideas Wedding exit - have all guests light a sparkler for your grand exit
Balloon Ping Pong. LOVE it!
Balloon Ping, Kids Stuff, Balloon Tennis, Kids Crafts, Pingpong, Indoor Recessed, Ping Pong, Paper Plates, Parties Games
Balloon Ping Pong- Indoor recess or classroom party game idea
DIY Kids Balloon Ping Pong - thingskidswant.com #pingpong, #kidspingpong, #kidsgames, #diypingpong, #diykidsgames
Kids crafting fun - Balloon Ping Pong
Balloon Ping Pong - This super fun ping pong game is perfect for indoor boredom busters or even as a party game. Simply attach paper plates to popsicle sticks/tongue depressors and blow up balloons. http://www.tipjunkie.com/post/how-to-make-balloon/
Balloon Ping Pong - great for rainy days **Abigail LOVES this! We play "balloon tennis" when she's bored and it's so hot outside**
What are some of the reasons you love your life? #paleo #healthy #food #eating- disorders #USA #Autistic #children #ADHD-kids #cross-fit #athletes #gym
Life Quotes, Jackkerouac, Remember This, Jack Kerouac Quotes, Jack O'Connel, Quotes Life, Love Life, Love Quotes, Inspiration Quotes
I gotta remember this
Jack Kerouac quote. #inspiration #quote #saying #advice #JackKerouac #Kerouac
be in love with your life, love life, life love quotes, life quotes, love quotes
Healthy Food Ideas for Kids Birthday Parties!
Kids Parties, Children Parties, For Kids, Food Ideas, Kids Birthday Parties, Healthy Parties, Healthy Recipe, Healthy Food, Parties Food
Healthy Food Ideas for Kids Birthday Parties! #kids #birthday party food. Make your #child's #birthday special with #pinklejinx www.pinklejinx.com
Healthy Food Ideas for Kids Parties!
Healthy party food for children's parties, including Paleo cupcakes.
Healthy Recipes for Kids Birthday Parties: Technically Paleo Meatballs
love the balloon cake
Decor Ideas, Cakes Ideas, Amazing Cakes, 35 Amazing, Amazing Birthday, Cakes Baking, Baking Time, Balloon Cake, Birthday Cakes
35 Amazing Cake Ideas | Buzzfeed
35 amazing cake decorating ideas
Despicable Me Minion Cake - this blog has some good recipes. Brussel sprout latkes
Birthday Parties, Food, Minion Cakes, Parties Ideas, Despicable Me Cakes, Kids, My Birthday, Birthday Cakes, Minions Cakes
Despicable me cake! This was pretty much my birthday cake.
Maybe for Chris' big 3-0 birthday party? ;-) He's a kid at heart and these guys give him a fit of giggles. Despicable Me Minion Cake
Minion Cake. Despicable Me party idea!
Despicable Me Minion cake. I want this for my birthday cake!
Need to remember this - a balloon curtain for my kids to wake up to on their birthdays!
Birthday Balloon, Birthday Parties, For Kids, Wake Up, Parties Ideas, Balloon Curtains, Birthday Mornings, Birthday Amazement, Birthday Ideas
Balloon curtain for my kids to wake up to on their birthdays! Or at a birthday party for kids to run through when they arrive & use for picture backdrop.
BIRTHDAY! Balloon curtain for kids to wake up to on their birthdays!
Need to remember this - a balloon curtain for kids to wake up to on their #Party Ideas| http://party-ideas-collections-440.blogspot.com
A balloon curtain for kids to wake up to on their birthday- idea for camper and staff birthdays
BIRTHDAY MORNING SURPRISE! a balloon curtain for kids to wake up to on their birthdays!
Love the pig cupcakes in the tower! / Angry Birds Birthday Party
Cakes Pop, Pigs Cupcake, Parties Ideas, Birds Parties, Angry Birds, Bird Birthday Parties, Buntings Banners, Cupcake Towers, Birds Birthday Parties
Love the pig cupcakes in the tower! / Angry Birds Birthday Party. Love the cake pops!
Angry Birds Party Ideas - love the cupcake tower!
I like the idea of a bunting banner on a sign or backdrop. #angry birds
obstacle course for party


text:
Almirall says comparing SMART designs will increase treatment quality for children with autism
Thompson says America must "unchoose" policies that have led to mass incarceration
Alter says lack of access to administrative data is "big drag on research"
Susan Murphy to speak at U-M kickoff for data science initiative, Oct 6, Rackham
Andrew Goodman-Bacon, former trainee, wins 2015 Nevins Prize for best dissertation in economic history
Deirdre Bloome wins ASA award for work on racial inequality and intergenerational transmission
Bob Willis awarded 2015 Jacob Mincer Award for Lifetime Contributions to the Field of Labor Economics
Monday, Oct 12 at noon, 6050 ISR
Joe Grengs: Policy & planning for transportation equity
Lesthaeghe, Ron J., and Lisa Neidert. 2009. "US Presidential Elections and the Spatial Pattern of the American Second Demographic Transition." Population and Development Review, 35(2), 391-400.
This research note is a sequel to an earlier article in this journal (Lesthaeghe and Neidert 2006) in which we documented a strong and robust spatial correlation between the 2000 and 2004 presidential election results on the one hand and the extent to which states and counties had evolved on the "second demographic transition" (SDT) dimension. At that time the critique was voiced that this was an exceptional result valid for the Bush elections only, given the prominence of the "culture war" issues during these election campaigns. This correlation was predicted to shrink substantially if economic issues instead of cultural and life style ones were dominant campaign topics. The 2008 Obama–McCain contest provides a good test for this proposition, since the elections took place at a time when economic issues had risen to great prominence in the debate. In this note we show that the spatial association between the vote for McCain and the county- or state-level values on the SDT dimension remained as strong and as robust as before. Moreover, controls for competing explanations again failed to weaken or eliminate the correlation with the SDT dimension. Instead, anomalies in the correlations in 2004 for several Southern and Appalachian states disappeared in 2008.
DOI:10.1111/j.1728-4457.2009.00284.x (Full Text)
Country of focus: United States of America.
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[October 04, 2012]
BRIEF: Book Nook burglarized second time in 11 days
Oct 04, 2012 (The Salina Journal - McClatchy-Tribune Information Services via COMTEX) -- For the second time in 11 days, The Book Nook, at 147 S. Fourth, was burglarized and is missing two computers, and $20 in cash.
Between 5 p.m. Tuesday and 8:45 a.m. Wednesday, someone entered the business through an adjacent warehouse owned by Abner Perney and took a new eMachine computer and a used Dell computer, said Lt. Scott Siemsen, of the Salina Police Department.
A red, limited edition Felt Belgium Brewery Cruiser bicycle belonging to Perney was taken from the warehouse. The bicycle was No. 468 made out of 900, Siemsen said.
The combined loss was estimated at $1,050. Entry to the warehouse may have been gained through an overhead door, Siemsen said. Entry to the Book Nook was through a doorway that was forced open, Siemsen said.
A computer taken from the Book Nook Sept. 23 hasn't been recovered.
___ (c)2012 The Salina Journal (Salina, Kan.) Visit The Salina Journal (Salina, Kan.) at www.saljournal.com Distributed by MCT Information Services
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Merry Christmas ladies! Olympians Greg Rutherford and Johnny Peacock strip off for a festive photoshoot
Golden boy Greg admits to being a big fan of baking and says he's looking for love
Johnny reveals that he's dating Team GB Paralympic sprinter, Sally Brown
Sprinter Johnny Peacock and long jumper Greg Rutherford might already have Olympic gold medals to their name but if these photos are anything to go by, they probably deserve another.
The pair stripped down to their underwear for a festive photoshoot and in a candid interview, revealed all about love and life post Olympics.
While Rutherford recently split from his girlfriend of eight years - fashion PR, Liz Rose - Peacock admitted that he's happily paired off with fellow Paralympic sprinter, Sally Brown.
Muscles: Newly single Greg stripped down to his pants for the Christmas shoot
Ginger Greg also confessed to feeling slightly overwhelmed by all the attention from the ladies, saying: 'I don't know about being sexy!
'People say I'm bringing ginger back but it's never been cool, so I don't know where I've brought it back from!
He also used the interview with Now magazine to talk about his recent break up. 'I've been single for two months,' he revealed.
'I'm so busy, it's hard to think about it. But once I'm back being an athlete I'll realise the impact of being single.
'I'm happy about it. It was my decision and you have to embrace change and move on. Part of the problem was I'm so busy, I don't have time for a relationship now.
'With the stress of travelling and competing, we started to grow apart. It's a shame as she's always been so supportive of me, and sacrificed everything for me, but we drifted towards being friends more than anything else.
'I feel like it's the right thing for both of us. It's sad and a big change after eight years but it's for the best.
Snow go: Long jumper Greg traded sand for (fake) snow during the festive-themed shoot
Which one's for Sally? Peacock finally admitted to having a girlfriend - fellow Paralympian, Sally Brown
Peacock, meanwhile, was happy to talk about his blossoming relationship with fellow sprinter Sally Brown and revealed that his friends are a little bit jealous of all the female attention he gets.
'I think some of [my friends] are jealous more than anything. My best mate Martin finds it funny that I've got myself a girlfriend just as all these women are starting to give me some attention.'
He added: '[Sally is] stunning, down to earth and caring. I'm so lucky! But we don't get to see each other a lot.
He also revealed that he's a romantic at heart, once even driving from his Cambridgshire home to Northern Ireland - a 12 hour trip - just for a two day visit.
'In total, it was around 1,300 miles there and back and driving around – but it was worth it.'
Both men will be spending Christmas with their families, Rutherford on holiday in the French Alps and Peacock at home in East Anglia.
Newly single Rutherford also revealed that he'll be spending some time pursuing his favourite hobby: baking.
Buff: The shoot appears in the latest issue of Now magazine (right)
Asked what present he'd give to a girl, he revealed: 'I wouldn't buy [her] anything. I'd bake a cake.
I was so busy I missed the Great British Bake Off this year and was
'My friends think I'm weird. I cook as well and I like experimenting. For a long time I wanted my own restaurant.'
The red headed athlete also admitted that when his schedule clears up, he'll be looking for love again and revealed he's after someone to make him laugh and who'll be willing to watch history documentaries with him.
'I'm a bit of a geek at heart,' he confessed. 'I love history and I watch Time Team. I wanted to be an archaeologist for a while. Harrison Ford made it cool as Indiana Jones.'
Read the full interview in Now magazine, out now.
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Some mortgage borrowers have only two things in mind: "How much can I afford?" and "What will my monthly payments be?" They max out their finances on mortgage debt and use an interest-only or negative-amortization mortgage to minimize their monthly payments. Then, they rely upon home price appreciation to eclipse the risks associated with a constant or increasing mortgage balance.
In many cases, if these homeowners are fortunate enough to accumulate some equity in their homes, they max out their finances again through home-equity loan or cash-out refinances and then use the proceeds to make additional purchases, pay down consumer debt, or even make additional investments. Sound risky? It is. In this article we'll show you how to make sure you have a mortgage you can afford and to build equity by paying it off quickly.
Making Mortgage Math Add Up
Every mortgage has an amortization schedule. An amortization schedule is a table that lays out each scheduled mortgage payment in a chronological order beginning with the first payment and ending with the final payment. (To read more on amortizations, see Understanding the Mortgage Payment Structure and Make A Risk-Based Mortgage Decision.)
In the amortization schedule, each payment is broken into an interest payment and a principal payment. Early in the amortization schedule, a large percentage of the total payment is interest, and a small percentage of the total payment is principal. As you pay for your mortgage, the amount that is allotted to interest decreases and the amount allotted to principal increases.
The amortization calculation is most easily understood by breaking it into three parts:
Part 1 - Column 5: Total Monthly Payments
The calculation of the total monthly payment is shown by the formula below.
A = periodic payment amount
P = the mortgage's remaining principal balance
i = periodic interest rate
n = total number of remaining scheduled payments
Part 2 - Column 6: Periodic Interest
|Copyright © 2007 Investopedia.com
|Figure 1
The calculation of the periodic interest charged is calculated as shown below:
The periodic interest rate (Column 3) x the remaining principal balance (Column 4)
Note: The interest rate shown in Column 3 is an annual interest rate. It must be divided by 12 (months) to arrive at the periodic interest rate.
Part 3 - Column 7: Principal Payments
The calculation of the periodic principal payment is shown by the formula below.
The total payment (Column 5) – the periodic interest payment (Column 6)
|Copyright © 2007 Investopedia.com
|Figure 2
Figure 2 shows an amortization schedule for a 30-year 8% fixed-rate mortgage. For the sake of space, only the first five and the last five months are shown.
The amortization schedule demonstrates how paying an additional $300 each month toward the principal balance of the same mortgage shown in Figure 1 will shorten the life of the mortgage to about 21 years and 10 months (262 total months versus 360), and reduce the total amount of interest paid over the life of the mortgage by $209,948.
As you can see, the principal balance of the mortgage decreases by more than the extra $300 you throw at it each month. It saves you more money by cutting down the months of interest charged on the remaining term.
For example, if an extra $300 were paid each month for 24 months at the start of a 30-year mortgage, the extra amount by which the principal balance is reduced is greater than $7,200 (or $300 x 24). The actual amount saved by paying the additional $300 per month by the end of the second year is $7,430.42. You've saved yourself $200 in the first two years of your mortgage - and the benefits only increase as they compound through the life of the mortgage!
This is because when the extra $300 is applied toward the principal balance of the mortgage each month, a greater percentage of the scheduled mortgage payment is applied to the principal balance of the mortgage in subsequent months. (Find out more about mortgage payments in our Mortgage Basics tutorial.)
The True Benefits of Making Accelerated Mortgage Payments
The true benefits of making the accelerated payments are measured by calculating what is saved versus what is given up. For example, instead of making an extra $300 per month payment toward the mortgage shown above, the $300 could be used to do something else. This is called a cost-benefit analysis.
Let's say that the consumer with the mortgage shown in the amortization schedules above is trying to decide whether to make the $300 per month accelerated mortgage payments. The consumer is considering three alternative choices as shown below. For each option, we'll calculate the costs versus the benefits, or what can be saved versus what is given up. (For the sake of this example, we're going to assume that leveraging any equity in the home through a home equity loan is not an option. We're also going to ignore the tax deductibility of mortgage interest, which could change the numbers slightly.)
The homeowner's three options include:
- Getting a $14,000 five-year consumer loan at an interest rate of 10% to buy a boat.
- Paying off a $12,000 credit-card debt that carries a 15% annual rate (compounded daily).
- Investing in the stock market.
Option 1: Buying a boat
The decision to buy a boat is both a matter of pleasure and economics. A boat - much like many other consumer "toys" - is a depreciating asset. Adding household debt to purchase an illiquid, depreciating asset adds risk to the household balance sheet. This consumer has to weight the utility (pleasure) gained from owning a boat verses the true economics of the decision.
We can calculate that a $14,000 loan for the boat at an interest rate of 10% and a five-year term will have monthly payments of $297.46.
Cost-Benefit Breakdown
If the homeowner had made $300 accelerated payment for the first five years of the mortgage rather than buying a boat, this would have shortened the life of the mortgage by 47 months, saving $2,935.06 for 47 months, 313 months in the future. Using a 3% discount rate this has a present value of $59,501. Additionally, if the accelerated mortgage payments are made, the principal balance of the mortgage will be reduced by an additional $21,599 by the end of the five-year period. This early retirement of debt reduces risk on the household balance sheet. (To learn more about compounding's effects on your loans, see Understanding The Time Value Of Money.)
By deciding to purchase the boat, the consumer spends $297.46 per month for five years to own a $14,000 boat. The $297 per month for 60 months equals out to a present value of $16,554.
By putting the $300 dollars on the mortgage, this consumer would save $59,501 over the course of the mortgage. Buying the boat would mean spending $16,554 to pay for a $14,000 boat that is likely to have a depreciating resale value.
Therefore, the consumer must ask himself if the pleasure of owning the boat is worth the large divide in the economics.
Option 2: Paying off a $12,000 credit card debt
The daily compounding of credit card interest makes this calculation complex. Credit card interest is compounded daily, but the consumer is not likely to make daily payments. However, the calculation of an amortization schedule says that if the consumer pays about $300 per month for five years, that person can eliminate the credit card debt.
As in the first example, making accelerated payments on the mortgage of $300 each moth for the first five years will leave the homeowner with a present value of future payment savings of $59,501.
By paying $300 per month for five years to eliminate the credit card debt, the consumer can eliminate $12,000 in credit card debt with a 15% annual interest rate.
We know that if the consumer makes accelerated mortgage payments, the credit card debt will continue to accrue interest and the outstanding balance will increase at an increasing rate. If we compound $12,000 daily at an annual rate of 15% for 60 months we get $25,400. If we assume that after making five years of accelerated mortgage payments, the consumer could then start to pay down the credit card debt by $300 per month, it would take more than 50 years at $300 per month to pay off the credit card debt at that point. In this case, paying down the credit card debt first is the most economical choice.
Option 3: Invest in the stock market
We've already shown that the consumer will save a present value of $59,501 by making accelerated mortgage payments of $300 for the first five years of the mortgage. Before we compare the accelerated mortgage payment savings to the returns that might be made in the stock market over the same time period, we must point out that making any assumptions about stock market returns is extremely risky. Stock market returns are volatile. The historical average annual returns of the S&P 500 Index is about 11%, but some years it is up, and some years it is down.
Putting the $300 toward the mortgage means a present value of $59,501 of future mortgage payments, and a reduction of $21,599 in the principal balance of the mortgage over the first five years of the mortgage. This reduces the risks associated with debt.
If the consumer decides to invest the $300 monthly over a five-year period in the stock market - assuming an average annual return of 11% - this will yield a total portfolio value of $23,855 which has a present value of $20,536 (discounted at 3%), which is far less than the present value $59,501 realized by making accelerated mortgage payments.
However, if we assume the $23,855 will continue to earn an annual return of 11% beyond month 60 - until month 313, the point at which the mortgage payment would be eliminated - the total value of the portfolio at that point would be $239,989. This is greater than the present value of future mortgage payment savings at that future time, which would be $129,998.
We could conclude then that investing in the stock market over the long term might make more economical sense - but this would only be a given in a perfect world.
Homeowners need to understand that bigger mortgage is compared to the value of the home, the larger the risk they have taken on. They must be also aware that home price appreciation should not be relied on to eclipse the risks of mortgage debt. Furthermore, they need to understand that paying down mortgage debt reduces risk and can be to their economic advantage.
One of the key aspects of making accelerated mortgage payments is that each dollar reduction in the outstanding principal balance of a mortgage reduces the amount of interest paid as part of future scheduled payments, and increases the amount of principal paid as part of those same payments. Therefore, a simple calculation that sums up the amount of interest saved over a time period that ends before the loan is paid off does not accurately capture the entire benefit of making accelerated mortgage payments. A present value calculation of the future payment savings is a more accurate analysis. Additionally, every dollar of principal that is paid down early reduces risk on the household balance sheet.
Still interested in refinancing your mortgage? Then check out The True Economics Of Refinancing A Mortgage and American Dream Or Mortgage Nightmare?
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I keep getting a message group policy client service failed logon access denied I am the only user and can't get in to my nitebook in safe mode or access the internet at all
location: microsoft.com - date: March 26, 2013
my grandson has a acer aspire one he is the only user but he keeps getting a message that says group policy client access failed logon access denied he can't log on in safe mode or with his password it keeps saying incorect password he has not changed his password please help
video help | post reply | read moreWindows Firewall service will not start, Error Code 5: Access Denied
location: 7forums.com - date: October 3, 2012
Hey guys, I am running Windows 7 Home Premium 64bit. I can not start Windows Firewall, Diagnostic Policy Service, Diagnostic Service Host, or Diagnostic System Host. When I try and start them manually in services.msc, it gives me Error Code 5: Access denied. Both BFE and Windows Firewall Authorization driver are running. I am logged in as an administrator, and I have already allowed full control of these services for the Administrator accounts and the user "SYSTEM" in Regedit. If you need more information, please let me know. This is my first post, so I don't know if there is any other information that you need. Thanks!
video help | post reply | read moreAccess denied on editing file under c:\program files\
location: microsoft.com - date: February 18, 2010
Hi, I just install win7pro on my laptop, there are application installed under my c:\program files and need to be change (it's a textfile) I can open but not able to alter and save the file it says access denied and need administrator privilage, I'm the only account on the laptop and it's already login as administrator. Can anybody help me please? Thank you and best regards Ricky Lie
video help | post reply | read moreAccess denied when editing .ini files
location: 7forums.com - date: December 27, 2011
All of a sudden when I'm trying to save an edited .ini file in a program folder (in C:\Program Files) I get blocked by an Access Denied message. First, on making the changes in the .ini using Notepad and then clicking File > Save, I get the "Save As" dialog instead. But even then when I click Save it will say I don't have permission to save in this location and to contact an administrator (which is me). I have edited these same files in these same locations dozens of times without a problem before. This is something new that starting just this morning. System restore didn't help. Anyone have any experience with this sort of thing?
video help | post reply | read moreWindows 8: Destination folder access denied?
location: microsoft.com - date: October 31, 2012
I just installed the Windows 8 upgrade (download version). Previously I had Windows Vista Home Premium.
video help | post reply | read moreAccess Denied
location: 8forums.com - date: October 27, 2012
Hello I am trying to upgrade from Windows 7 Pro to Windows 8. I have bought the program and I am using the Windows 8 Upgrade Assistant to load the program. However, once it downloads and get to 100% all I get is Access Denied and then download fail. I have looked on the net for an answer but so far, I have not found anything of any use to help. I did try turning off the antivirus but this made no difference. Has anybody here managed to get past this problem. Thanks Martin
video help | post reply | read moreWriting To Program Files Folder - How (Access Denied) ?
location: 7forums.com - date: August 9, 2011
Hi, I need write/full access to some files that are located in the Program Files folder on a Windows 7 64 bit machine but keep getting access denied messages. Can anyone please tell me how to temporarily allow write/full access to this folder? I am the PC owner with admin priveliges but just cannot seem to get round the permissions to enable write/full access. Rgds
video help | post reply | read more"Destination Folder Access Denied" when modifying Program Files folder
location: 7forums.com - date: February 13, 2013
video help | post reply | read moreLost ownership of C: Access denied
location: 8forums.com - date: January 8, 2013
I have used Windows 8 since over 1 month with no problems. Suddenly I have lost ownership of c:. In my user account I am still Administrator. I can still use the computer but am very limited. When I try to open the taskmanager I get the error "Windows cannot access C:\windows\system32\taskmgr.exe". In safe mode I look for permissions for local disk c: It says that "No groups or users have permission to access this object." How can I regain ownership of c:?
video help | post reply | read more'save as', library hell and 'access denied'
location: winsecrets.com - date: February 24, 2012
I've just fired up a new machine, transitioning from XP to Win7. So far I'm really hating it, particularly the insult of microsoft trying to control where my stuff is with their libraries, and the "access denied" bullshit with all the old folders i used to use. I hope I find a way to get things working a bit better soon because I'm suffering now, relatively speaking. So please excuse me if this is a really stupid question, but I haven't been able to find a way of saving downloaded things were I need them. All there is, is 'do you want to save this?', and it defaults into the 'downloads' file under the username, which is a pain in the arse to navigate to in 'explorer' or whatever now passes for what i used to understand as sho
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Featured VideosSPANISH HIGHWAYS & ROADS. BV-5114 Road. Montseny Natural Park
AOMEI Partition Assistant Copying a 80GB Drive to a 1TB DrivePopular Topics» Windows 8 Notepad
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This property allows you to book online with a credit card. After submitting a reservation request, the owner or manager has 24 hours to accept, at which time your card will be charged and you will receive an email confirmation
Recent Maui Kamaole reviews
"Our family of four adults stayed in this lovely condo in January 2015 for 10 days. The condo is comfortable, well-equipped and in the perfect location for beaches on the south coast. The units are quiet and private, and the complex is well-kept with lovely gardens. We love this location when we come to Maui and would happily return to your home Joyce. Thank you."Guest: Kabo nabo Date of Stay: January 2015 Review Submitted: February 7, 2015View listing
"What a lovely condo! Beautifully decorated and well equipped. We loved walking to the beach through the lush grounds as well. We were incredibly blessed to find this jewel."Guest: Lee S. Date of Stay: August 2015 Review Submitted: September 17, 2015View listing
"The view upon entering this unit is breathtaking. We have been traveling to Maui for ten years. We have been staying at condos in this complex for five years. The owners of this condo have furnished and completed this unit perfectly from the artwork to the kitchen accoutrements. there was nothing missing. We took photographs immediately upon entering the living room of the view out to the lanai, across the marble tiles and on to the palm trees and the ocean. The furnishings - including the extremely comfortable double recliner in front of the tv - were top notch. The master bathroom was perfect. We wanted to bring home all of the artwork, including the wonderful photographs of the women performing hula in the bedroom. The dishes, stainless, and pots and pans were perfect and there was a wide selection to choose from. As we always cook at "home", the wide range of barbeque utensils was much appreciated. Dinner out on the lanai nightly while watching the sunset felt private and magical. The HE washer and drier were easy to use and performed quickly. The owners contacted us upon arrival to be certain that all our needs wee met, and again after departure to let us know how much they appreciated our business. We have found our "home" on Maui! In terms of local activities, we are in our sixties and discovered surfing three years ago. The staff of Maui Surfer Girls have been amazing. They have celebrated two seniors learning to surf and we have learned something new from each member of their staff. We have been working with them for our last three visits and can't wait to get back for more! Sensei Japanese Restaurant is one of our favorites. It is worth standing in line on Mondays at 4:30 for the 5:30 opening to get 50% off on all sushi. It is a great way to meet locals and hear about new things to try. Mama's Fish House is a regular stop for us. We also enjoyed a visit to a small, very local sushi house in Haiku named Nuka. Incredibly fresh fish and very wonderful dining experience. After many days of surfing out elderly bodies craved massage. Not wanting to become another tourist at a spa venue, we consulted Trip Advisor and called Wailea Massage and Body Care, located in a small local house on the Kihei/Wailea border, about five minutes from the condo. We had a couple's massage on the lanai with two amazingly talented women, Linda and Abby. We have had massages all over the world, and theirs was the best by far!"Guest: We Love Maui Date of Stay: July 2015 Review Submitted: July 13, 2015View listing
"Our stay at the 2BR Maui Kamaole condo was an absolute Blast!! Our two granddaughters ages 13 & 8, not only enjoyed the condo loaded with games, beach items, and the excellent pool, but truly enjoyed the spacious accommodations of the condo. We have stayed at the 1BR on two previous vacations, but with the kids we needed the 2BR. The south Kehei location is a dream. The ocean views from the bedrooms, the privacy of the lanai, the sweet sounds of tropical birds made for a dream vacation. We highly recommend this condo for families."Guest: rudeman Date of Stay: August 2015 Review Submitted: September 4, 2015View listing
Featured Destinations: San Diego Vacation Rentals, Kailua-Kona, Destin Condo Rentals, Key West Vacation Rentals


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2008 Ml350 4matic Edition 10 3.5l V6 24v Automatic Four Wheel Drive Suv on 2040-cars
Pompano Beach, Florida, United States
Mercedes-Benz M-Class for Sale
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Auto blog
These cars are headed to the Great Crusher In The SkyFri, 24 Aug 2012 14:58:00 EST
It happens every year. We bid adieu to some cars and trucks that will be missed, and say good riddance to others wondering how they stayed around so long. Whether they're being killed off for slow sales or due to a new product coming along to replace them, the list of vehicles being discontinued after 2012 is surprisingly long and diverse.
CNN Money has compiled a list of departing vehicles, to which we've added a few more of our own. In the slow sales column, cars like the Lexus HS 250h, Mercedes-Benz R-Class and the full Maybach lineup appear, while the Ford Escape Hybrid, Mazda CX-7 and Hyundai Veracruz are all having their gaps filled with more modern and more fuel-efficient alternatives. Obvious exceptions to the rule include models that still sell in decent numbers like the Jeep Liberty and the Chrysler Town & Country (which will eventually be replaced by a crossover-like vehicle).
Check out our gallery of discontinued cars above, then scroll down for more information.
Race Recap: 2013 Japanese Grand Prix flips several scripts [spoilers]Mon, 14 Oct 2013 13:00:00 EST
Japan's Suzuka circuit is a great track that all the drivers love, but it doesn't usually provide the most thrilling, head-to-head racing. Where it does excel, however, is with surprises and "What just happened there?!" moments, and this year it was no different.
It started with Mark Webber in his Infiniti Red Bull Racing out-qualifying his teammate Sebastian Vettel for the first time this year. They were followed closely by Lewis Hamilton in the first Mercedes-AMG Petronas, the still-solid Romain Grosjean again outdoing teammate Kimi Räikkönen, Felipe Massa racing for another seat in Formula One and putting his Ferrari in fifth, then Nico Rosberg in the second Mercedes, Nico Hülkenberg in the first Sauber, Fernando Alonso in the second Ferrari, and Räikkönen continuing to do himself no favors by qualifying tenth.
For the second year in a row, the lights going out was the cue to start the first corner action...
Next Mercedes-Benz GLK to get AMG variant? Not likely...Fri, 15 Mar 2013 09:13:00 EST
If you think Mercedes-Benz will slap an AMG badge on anything with wheels, think again. Word has it the German manufacturer will not offer buyers a performance version of the GLK, with Tobias Moers, director of AMG vehicle development, saying that he doesn't see a market for the car. That's not to say the picture won't change in the near future, however. According to CarAdvice.com, AMG is keeping a close eye on the arrival of the Porsche Macan.
"Maybe there will be a change in the market when the Porsche [Macan] comes up," Moers said, "but right now, no."
The real hitch in the giddy-up seems to be cost. Moers says developing the machine into something worthy of an AMG would represent "a huge investment." We can't exactly argue with that. Fortunately, AMG buyers have plenty of Mercedes-Benz models to choose from.


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Kearney News
Local news for Kearney, NE continually updated from thousands of sources on the web.
Central Nebraska cities stress their collaborative nature
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Good Samaritans Rush to Save Drivers in Georgia Truck Crash
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Taylor Swift Welcomes Steven Tyler, Alison Krauss and Kelsea Ballerini to Her Nashville Show
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Senior Center Offers One-on-One Technology Assistance
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Live Streaming of Council and Planning Commission Meetings
Friday Sep 18 | City of Kearney | Comment?
Man thinks he and son poisoned by meth in hotel coffee maker
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American Terrorism: Plain and Simple
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35 Beautiful Stars Who Are Totally Ugly Eaters
Florida bill to repeal ban on shacking up takes first step
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Paris authorities clear out hundreds from migrant camps
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Letter: Man of principles
Grandmother sentenced to life for in granddaughter's death
Baltimore officer charged with assaulting restrained inmate
Man, boy poisoned by meth in hotel coffee maker?
Wednesday Sep 16 | WPTV Local News | Comment?
Kearney family says they were poisoned by methamphetamine left in hotel coffeemaker
Tuesday Sep 15 | KETV-TV | Comment?
Avenue N from 25th to 28th Street and Ave M/N Overpass Opening
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Vala's Pumpkin Patch Family Fun Giveaway Contest Rules 2015
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Jeremy Corbyn Elected as Leader of the UK Labour Party
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Building green is now a compulsion
Panaji: Sending a strong message about the importance of protecting the environment, the Goa chapter of the Indian green building council said that the state government should introduce green practices
Panaji: Sending a strong message about the importance of protecting the environment, the Goa chapter of the Indian green building council said that the state government should introduce green practices
A study reveals that the zinc levels are 15 times more than the United States Environmental Protection Agency (USEPA) standards in the soil samples collected from near river Ramganga at Moradabad, known
CSE study shows e-waste recycling leading to heavy metal contamination in Moradabad Moradabad gets 50 per cent of all PCBs used in India, and 90 tonnes of e-waste everyday CSE collected
A study done by the Centre for Science and Research on Moradabad's e-waste recycling industry has shown contamination due to heavy metals to be very high in and around the city. Moradabad is known for
A first-year Faculty of Law student of Delhi University has filed a petition before the National Green Tribunal (NGT) against the gross misuse of paper, used to make posters, pamphlets and cards, by candidates
Three of the world's 50 biggest active garbage dumps are in the Gaza Strip, an indication of the poor conditions in the territory. There is one site near Dir al-Balah, in the central Gaza Strip, and a
For squeaky-clean Singapore, even the local dump is an eco-park with lush green walking trails and migratory birds. That is because Singapore buries only a fraction of its trash. This nimble, wealthy
The first ever worldwide waste report from the United Nations Environment Programme (UNEP) says immediate action is required to shift from 'take-make-use-waste' to a circular economy. Global Waste Management
The Department of Business Innovation and Skills (BIS) has launched a £775,000 fund to help local authorities improve the collection, re-use and recycling of electrical goods. Councils are being urged
Can we seek inspiration on waste management from Bollywood? This unique campaign - Dirty Pictures will turn your favourite Bollywood posters into a dump of waste. India is a peculiar country. Like mushrooms


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Hudson Jeans Collin Skinny Jeans
Hudson Jeans Collin Skinny Jeans. Youth vintage wash Collin Skinny Jeans. Zipper fly with double button closure. Five pocket styling with back flap pockets. Destruction and knee repair detail. Heavy fading and whiskering. Logo tab detail at right rear pocket. Made in the USA.
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MP opposition leader criticises Governor`s address
Bhopal: Leader of Opposition in Madhya
Pradesh Assembly, Ajay Singh on Tuesday said the customary address
of the Governor, on the opening day of Budget session, has
failed to take note of the issues concerning governance.
"The Governor`s address is the photocopy of the
addresses took place in the last eight years of BJP rule,"
Ajay told reporters.
"Everybody knows the state of affairs on the issues of
development, roads, power, farmers and law and order,
especially rising cases of kidnapping and rape," he said.
Taking aim at the Shivraj Singh Chouhan government,
the opposition leader said, "the state government is happy
that the Special Courts and Cow Protection Bills were approved
by the Centre, but everybody is aware of kind of corruption
and condition of cows in the state".
In his address, governor Ram Naresh Yadav described
the overall law and order situation as good but repeated
incidents of rape, murder, abduction and loot that occurred
recently in the state were enough to expose the claims made in
his address, Ajay said.
He charged the state government of being insensitive
to the plight of farmers who have committed suicide in the
last few years.
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