text:
The Power of Wind Energy Compels You to Read This Report
Cai Steger, Energy Policy Analyst, New York, Center for Market Innovation
Here's some good news that shouldn't get buried amid the summer heat and beach vacations: 2012 was a banner year for American wind power. That's thanks in large part to federal and state policies and incentives that prioritize clean energy and the jobs, public health and global-warming benefits that come with it.
So says the U.S. Department of Energy in its 2012 Wind Technologies Market Report, its seventh annual, released yesterday. In fact, the news that report contains is particularly impressive:
- Last year, wind power beat out even low-priced natural gas as the largest source of new electricity in the U.S., capturing 43 percent of all new electric capacity. That's enough to power almost 4 million homes, and "particularly remarkable," the report's authors write, "given persistently low natural gas prices for the last year…."
- Nine states now get at least 12 percent of their electricity from wind power, and by year's end, three of those states—Iowa, South Dakota and Kansas—got more than 20 percent. This is truly impressive growth for a traditionally slow-moving energy industry.
- Wind power jobs rose by 5,000, to more 80,000, despite layoffs attributed to what was profound uncertainty about the renewal of the federal Production Tax Credit. That tax credit helps level the playing field for new wind farms when they compete against conventional energy technologies—coal, gas, oil—that have received hundreds of billions of dollars in federal support over the last 100-plus years.
(image courtesy of new U.S. Department of Energy interactive map - go here to see the exponential growth of wind in the U.S. since 1975)
The DOE wind report tells us something else, too: Federal and state policies and incentives are central to continuing growth in this field, just as they have been in developing earlier energy technologies. "Various policy drivers at both the federal and state level have been important to the expansion of the wind power market in the United States," the authors write. What's more, uncertainty about the continuation of these policies, not only the embattled Production Tax Credit and the Investment Tax Credit, but also attacks on state renewable energy standards, creates additional hesitancy in the wind power market. That makes sense: As in any field, developers are less likely to jump in and banks less likely to lend when the market is unpredictable.
But back to the good news...
America led the world in new installed wind power capacity in 2012. (Though the US was an early leader in the field, China overtook us between 2009 and 2011.) Moreover, over the last five years, wind power has accounted for one quarter to nearly one half of all new U.S. electric capacity.
Wind power is also increasingly affordable, the DOE tells us. The price of turbines has decreased by 20-35 percent since late 2008. Last year, the installed price per kilowatt dropped more than 9 percent and is expected to fall even further in 2013. In several markets, wind power is now the least expensive option for new electric generation, bar none.
Increasingly wind power is American-made, too. In 2012, more than 70 percent of US wind power components were manufactured here, compared with only 25 percent in 2006-2007. That's because as the U.S. wind power industry takes root, both US and foreign manufacturers set up shop here, close to their markets. And, while we were once a major importer of wind power technology, the US is now exporting our wind power components—to Canada, Brazil, Mexico, even China.
Along the way, state policies have had a big impact on wind power's growth. In 2012, 83 percent of new wind farms were built in states with renewable energy standards, leveraging billions in private investment.
And there's more good news: The US is not only on track to get 20 percent of its electricity from wind power by 2030, it's ahead of schedule. More growth is expected in 2013 and 2014, thanks to the federal PTC extension which incentivizes new wind power projects that begin construction before January 1st, 2014. "But projections for 2015 and beyond are much less certain," the report authors write. "Lack of clarity about the fate of federal tax incentives for wind energy is a primary source of this uncertainty."
Things don't have to be that way. Though the gridlock in Washington sometimes makes it hard to imagine, our nation's elected representatives could take a good look at the benefits that federal and state wind power policies and incentives bring to us all. They could examine some of the numbers DOE reported yesterday—wind power supplies nearly 30 percent of Denmark's electricity and 18 percent of Portugal's and Spain's—and they could start envisioning how this country could dominate the clean energy revolution.
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Cai Steger
I'm an Energy Policy Analyst at NRDC's new Center for Market Innovation, focusing on federal and state policies that drive clean technology innovation, investment and deployment, with a concentration on renewable energy – especially solar and algae biofuels. My recent projects include developing a federal deployment mechanism to encourage large-scale penetration of distributed ...
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John Miller says:
Wind power has definitely expanded quite significantly in recent years, but not to the levels indicated in this post. Granted up to 43% of all new power (design max.) capacity is apparently due to wind turbines last year, but this figure does not include the impacts of 'capacity factor' which typically reduces the new installed wind net generation by about 2/3rds of design maximum. In 2012 wind power net generation did increase by almost 20 billion KWH or about 17% from 2011 levels. However, natural gas power net generation increased by almost 220 billion KWH or over 20%. Not only did the new natural gas power generation displace most of reduced coal power generation during the same period, but also provided the critical peaking power needed to backup and stabilize power grid's supplied by the added new, variable wind power.
Over the past 5 years wind power net generation has grown by an incredible 150% (2008-12), or 85 billion KWH. This, however, compares to natural gas power growth of 40%, or almost 350 billion KWH (4-times wind power net generation during 2008-12). Wind turbine costs have come down significantly over the past four years, but are not currently "the least expensive option for new electric generation, bar none". EIA total system levelized cost data indicates natural gas CCGT power is still only about 75% the cost of onshore wind power.
Lastly, the EIA (AEO 2013) only projects that 'total' renewable (power) sources should increase up to 15% of U.S. total generation capacity in 2030. However, a little over half of this renewable source generation comes from hydropower. Most of the balance of added renewable source power should be expected to come from wind power.
Nathan Wilson says:
Before we celebrate the affordability of wind, we must note that there have been zero new wind farms built this year, and exactly one new turbine installed at an existing farm. see trade group AWEA
Even the temporary lapse of the federal subsidy (less than one day) was enough to stall the whole industry.
Nuclear has about the same initial cost as wind, but after 20 years or so of depreciation, makes really cheap power, and keeps on making cheap power for 50 years after the wind farm dies. Plus, wind can't go much above 30% penetration before it's time to add expensive energy storage; nukes can go to 80%.
Paul Ebert says:
Why only 80% for nuclear, Nathan?
Nathan Wilson says:
Like wind power, nukes are most cost effective running with no curtailment of their output (i.e. at full power for nukes). Electrical demand varies with the time of day and season of the year. This does not mean that 100% nuclear doesn't work, but there will be a cost penalty (or greater reliance on demand-response to get that last 20%).
Nukes normally schedule outages for maintainance in the Spring and Fall when demand is lowest, which helps. For areas where the Summer A/C loading is higher than the Winter heating peak, adding some solar (with 5 hours of storage) to the grid would help too.
For any 0% fossil energy solution, large scale fuel synthesis (e.g. H2 or NH3) when operated as a dispatchable load provides the most powerful tool for matching supply and demand. However, the resulting fuel is very expensive, so it is important to start with energy sources that have good capacity factor and/or match the load.
Robert Bernal says:
I like wind (but how are we going to store it)? I like Concentrated Solar thermal Power with molten salt storage and I like the Molten Salt (fission) Reactor (or similar) because these are the "Big Three". All the other options are fundamentally limited by power density and land constraints (such as biofuels, wave, tidal, etc) in order to power complete and growing planetary civilizations, or are not invented yet (such as deep geothermal and fusion).
Concerning windpower... do we have enough rare earth elements to build billions of wind turbine permanent magnets AND many billions of electric car motors?
We must develop the least expensive, most abundant and safe low carbon source which can be stored and distributed at the speed of light.
Is there any other way that has the fundamental potential to prevent biofry at this time?
|More coming soon...
Scott Edward Anderson is a consultant, blogger, and media commentator who blogs at The Green Skeptic. More »
Christine Hertzog is a consultant, author, and a professional explainer focused on Smart Grid. More »
Elias Hinckley is a strategic advisor on energy finance and energy policy to investors, energy companies and governments More »
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Jesse Jenkins is a graduate student and researcher at MIT with expertise in energy technology, policy, and innovation. More »
Jim Pierobon helps trade associations/NGOs, government agencies and companies communicate about cleaner energy solutions. More »
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Since Twitter has turned major television events into a banal snoozefest of everyone from comedians to co-workers to your Aunt Judy weighing in with the same snips and snaps and turning every on-screen moment into a meme, there's a great opportunity for editors covering the celebrity tweets and racists-on-the-internet beat to gather premium content. So, that's what we did.
Without further ado, and in no particular order, the 5 best and 5 worst tweets of the (most Tweeted-about ever!) Super Bowl.
It's so much more fun to watch FOX when it's someone else being blitzed & sacked! #SuperBowl
— Hillary Clinton (@HillaryClinton) February 3, 2014
"Macklemore and Ryan Lewis" pic.twitter.com/8ktZarUChl
— Olivia Rose (@olivialeighrose) February 3, 2014
— Patrick Stewart (@SirPatStew) February 3, 2014
Sorry fans, we don't have a button for this.
— Buffalo Wild Wings (@BWWings) February 3, 2014
Mannnnnn I'm fina leave dis sht
— Tity Boi (2 Chainz) (@2chainz) February 3, 2014
So that's who Bruno Mars is. Impressive.
— Arianna Huffington (@ariannahuff) February 3, 2014
Who kkmew theis was ghiong tob e a baweball ghamle. #lowsscorinh 5_0
— JCPenney (@jcpenney) February 2, 2014
BREAKING: NEW NATIONAL APPROVAL RATINGS RELEASED... President Obama: 43% Congress: 13% #JoeNamathsCoat: 95597435234234% #ThePeopleHaveSpoken
— Joe Namath's Coat (@joenamathscoat) February 3, 2014
Hey @CocaCola This is America. English, please. #SB48
— Saved By The Blood (@vonzion) February 3, 2014

subset: commoncrawl


text:
Emporio Armani 9098 Dark Green glasses boast clean lines and modern styling. The slender dark green frame is transparent and has a blue undertone. The lenses are rectangular in shape and Armani discreetly features their logo on each straight temple.
Emporio Armani is the only Armani diffusion line that is still designed primarily by Giorgio Armani. The Emporio line has always been one step ahead of the next trend and is the perfect balance of modern refinement and unique vintage-inspired finishes. The metropolitan styling and contemporary vibe embodied by this collection are in the true spirit of Emporio Armani, right down to the signature eagle logo.


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Patient Comments: Hydroxyapatite Crystal Disease - Personal Experience
Please describe your experience with hydroxyapatite crystal disease.
Comment from: mealone, 65-74 Male (Patient) Published: June 30
In 2004, I started with pins and needles in both hands. I eventually had carpal tunnel operation on both hands. However the shooting pains got worse. So 2 years, 3 specialists and dozens of tests later hydroxyapatite crystal disease was diagnosed. It is now in most fingers, both hands and wrists, most toes, both feet and ankles. Now my left shoulder has started with same symptoms. The hospital signed me off in 2008 as there was nothing more they could do. Rest is the best thing, and I use wine bottle ice sleeves with a cotton sock under to stop ice burns. The next range of tablets are going to be morphine based ones. I can only walk 20 feet before I have to sit, so a mobility scooter gets me around. I don't know of anyone else with this disease, so I hope this might help others.
Was this comment helpful?Yes
Comment from: Wood, 45-54 Female (Patient) Published: November 14
I have crystal substance in bones/joints throughout whole body including from head to toes. I have chronic pain.
Was this comment helpful?Yes
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Home >
Research & Academics >
Residency and Fellowship Programs >
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Subspecialty Rotations
The Internal Medicine Residency Program at Danbury Hospital offers many subspecialty areas of study:
Please contact us if you have questions about the Internal Medicine Residency Program at Danbury Hospital, or would like more information.
For a doctor referral online or call 1-800-516-3658.
Employment and Nursing opportunities at Danbury Hospital.
Easy directions to Danbury Hospital and free parking options.
Find any department or area on the Danbury Hospital campus.
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Music blog
Johnny Depp Gone Mad Apocalyptic Z Anime Comes Out Of Shell Absolute Magic Of Rickman's Voice MORE ›
Lyrics/song texts are property and copyright of their owners and provided for educational purposes only.
I Will Survive Lyrics
I Will Survive Song Lyrics
First I was afraid, I was petrified
Kept thinking I could never live with out you by my side
But then I spent so many nights
thinking how you did me wrong
And I grew strong, and I learned how to get along
and so you're back from outer space
I just walked in to find you here with that sad look upon your face
I should have changed that stupid lock
I should have made you leave your key
If I'd known for just one second you be back to bother me
Go on now go, walk out the door
Just turn around now
Cause you're not welcome here anymore
Weren't you the one who tried to hurt me with good-bye
Did I crumble
Did you think I'd lay down and die
Oh no, not I! I will survive
Oh as long as i know how to love I know I'll stay alive
I've got all my life to live and I'll survive
I will survive
hey hey hey
We will survive baby
It took all the strength I had not to fall apart
Kept tryin' hard to mend the broken pieces of my heart
And I spent oh so many nights
Just felling sorry for myself. I used to cry.
But now I hold my head up high
And you see me somebody new
I'm not that chained up little puppy still in love with you,
and so you feel like droppin' on
and your expecting me to be free
Now I'm saving all my lovin' for someone who's lovin' me
Go on now go, walk out the door
Just turn around now
'Cause you're not welcome anymore
Did I crumble?
Did you think I'd lay down and die
Oh no, not I! I will Survive
Oh as long as I know how to, love i know i'll stay alive
I've got all my life to live
I've got all my love to give and I'll survive
I will survive
Hey Hey
This is a shout out to New York
You Know it
Frank the P-U-G out
Men in Black II (MIIB) Song List
›Worm Lounge #1 (Worms In Black)
Danny Elfman
›I Will Survive
Tim Blaney
›Black Suits Comin' (Nod Ya Head)
Will Smith
›Titles Revisited
Danny Elfman
›Worm Lounge #2
Danny Elfman
›The Finale
Danny Elfman
›The Light
Danny Elfman
›The Chase
Danny Elfman
›The Defense Begins
Danny Elfman
Danny Elfman
›The Real Story
Danny Elfman
›J Nabbed / K's Back
Danny Elfman
›Hunting for K
Danny Elfman
Danny Elfman
›Heart Thump
Danny Elfman
Danny Elfman
Danny Elfman
›Big Jeff
Danny Elfman
Danny Elfman
Danny Elfman
I Will Survive Lyrics by Tim Blaney from Men in Black II (MIIB) Soundtrack (2002). Rating: 4.2/5 (28 votes)


text:
Some information is missing or invalid below.
Travelers Club 4-Piece Luggage Set
Sorry, the item isout of stock
This Travelers Choice luggage set gives you everything you need.
Product Features:
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What's Included:
- Upright: 26"H x 15.5"W x 7.5"D, 6.4 lbs
- Duffel bag: 24"H x 11"W x 10"D, 4.2 lbs
- Carry-on: 20"H x 13.5"W x 6.5"D, 4.4 lbs
- Boarding bag: 10"H x 14.5"W x 4.5"D, 0.8 lbs
Product Details:
- 4-piece set
- Polyester
- Zipper closure
- Manufacturer's 2-year limited warranty
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- Black: EVA-12704-001
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My testimony
Posted in the Houston Forum
1 - 5 of 5 Comments Last updated Aug 5, 2012
#1 Jul 14, 2012
Hello Every One,
My Name is Mrs mirabel kate, i live in USA and life is worth living comfortably for me and my family now and i really have never seen goodness shown to
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accident last two weeks, and the doctors states that he needs to undergo a delicate surgery for him to be able to walk again and i could not afford the bill
for his surgery then i went to the bank for a loan and they turn me down stating that i have no credit card, from there i run to my father and he was not
able to help, then when i was browsing through yahoo answers and i came across a loan lender Mr rev paul who provides loans at an affordable interest rate
and i have been hearing about so many scams on the internet but at this my desperate situation, i had no choice than to give it an attempt and surprisingly
it was all like a dream, i received a loan of $35,000 USD and i payed for my husband surgery and thank GOD today he is okay and can walk and is working and
the burden is longer so much on me any more and we can feed well and my family is happy today and i said to my self that i will shout aloud to the world of
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man via:[email protected] om and i want you all to pray for this man for me.
Mrs mirabel kate,
#2 Jul 14, 2012
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Mr. Garrett Lugard the general manager of Cotsat and cotsat company told me that there is a genuine lender that he obtained a loan of 1.5 Million Dollars At
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And tell them,
i Mrs katty miles, referred you to them and your wish will be fulfilled
Mrs katty miles
#3 Jul 14, 2012
May The Peace Of The Lord Be With You.
Are you a business man or woman? Are you in any
financial stress or do you need funds to start up
your own business?
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b) Business Start-up and Education.
c) Debt Consolidation.
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#4 Jul 18, 2012
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#5 Aug 5, 2012
This is all the same person, scaming... goodluck, maybe you can scam them instead.
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Yosemite, October 13 – 17
Ansel Adams' Yosemite: The Art of Seeing
Film or Digital
During his career, Ansel Adams photographed many places, but it was to his beloved Yosemite that he returned year after year and where he made his first expressive images.
In this inspirational workshop, the emphasis will be on connecting Ansel's approach and mastery with today's tools and technologies, allowing you to better realize your own photographic vision.
You will learn to isolate and evaluate the elements of a scene, translate the literal to the expressive, and use optics and exposure to best effect, all under the guidance of long-time Ansel Adams assistant and master photographer, Alan Ross.
Visits to many of Ansel's favorite locations in Yosemite will provide inspiration and insight, with demonstrations, practice sessions and critique laying the foundation for individual photographic advancement.
What You'll Learn
Important topics covered during the intensive week:
- How equipment choice impacts your final image
- Choosing a lens and using it well
- Optics and exposure
- Filters—when and how to use them
- Evaluating a scene and managing the details
- Tonality
- Translating what's in front of you to what's in your mind's eye
- Preparing the image for printing
- Printing and presentation–bringing your vision to life on paper
Evenings will be spent on group and individual critique sessions, printing demonstrations, and engaging discussions about identifying and expressing personal vision.
A specially designed hybrid darkroom will be available for developing film, scanning negatives, and downloading and processing digital files.
By the end of the workshop, you will have the tools and methodology you need to respond to your vision with confidence.
This workshop is offered through the Ansel Adams Gallery. Fee is $1,200 for the week and lodging has been reserved in the Park for workshop participants.


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- Academic Calendar
- Campus Security Phone
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- Catalogs 2015-2016
- Course Descriptions
Second-year medical students Christopher Flynn and Miles Hang have been recognized for their scholarly work at the American College of Osteopathic Family Physicians (ACOFP) Annual Convention and Scientific Seminars, March 24 in Las Vegas. They are two of three students in the initial cohort completing an Accelerated D.O./Family Medicine Residency Continuum at NYIT.
Flynn (pictured with Bill Blazey, D.O. '05, assistant professor of family medicine) presented his paper, "Dietary Considerations in Primary Prevention of Atrial Fibrillation," which won the first-place Namey-Burnett Writing Award given by the ACOFP's Public Health and Wellness Committee.
Hang was awarded second place in the same competition for his paper, "Possible Role of Oral Contraceptives in the Prevention of Ovarian Cancer."


text:
|By Willis, Dave
|Proquest LLC
Motor carrier business experiencing modest shifts
Trucking in 2012
Over the last few years, says
For the last couple of years, motor carriers have delayed replacing equipment. "Ever since demand started shrinking a few years ago, many trucking companies held on to their equipment," explains
According to Sager, the mood at the annual
"Truck and trailer manufacturers indicate that capacity and demand have finally reached equilibrium," Sager adds. "Actually, demand is slightly higher than capacity in certain niches. Increased shipping coupled with reduced capacity is allowing motor carriers to get more rates, which lets them replace equipment and hire more drivers."
For years, driver age had been trending upwards. The recent economic downturn interrupted this. "A lot of people retired rather than not run their trucks as much," he explains. "Many took jobs closer to home, and some left because of increased government regulation brought on by CSA (the Compliance, Safety, Accountability program of the
According to Sager, "Some truckers felt that CSA, which was basically an extension of measurement they were already doing, but in greater detail, was one regulation too many, and that contributed to people getting out. However, the bigger drivers of the exodus were age and a desire for greater stability."
Those who remained found help among carriers and agents. "Companies and agents spent a lot of time in 2011 educating motor carriers about CSA," says
Today, as motor carriers look to add staff, they are eyeing the best drivers. "It's easier for larger companies to attract and retain drivers in a competitive market because they can offer more benefits and services," Sager notes. "For smaller motor carriers, it's more problematic. But it's an important issue because insurance companies are looking for motor carriers that can hire those better drivers. That's always been an insurer concern."
Fuel costs continue to pose a challenge. "The industry is constantly watching the cost of diesel," he adds. "Fuel surcharges let motor carriers recoup some of those costs. When fuel prices move gradually, trucking firms can do this. If they start moving wildly, as they did in 2007, trucking falls behind."
General economic conditions are tempering growth, as well. "As long as banks are reluctant to loan money, commerce is going to be rather slow," Setters explains. "Small business runs on cash flow, and as long as the banks are sitting on the cash box, the recovery will take that much longer."
Insuring motor carriers
Over the last few years, the insurance industry has "beaten each other up on pricing," Setters notes. "They've trained customers to expect premium and rate decreases. As a result, producers have focused largely on price. We're reaching a point where they won't be able to do that any longer. The industry won't bend any farther, so agents will have to refocus on value and product and selling themselves."
Pricing is showing signs of leveling off. "Carriers are starting to gather up in more stable ranges now," Setters adds. "We will see what happens in the next few months, but it looks like companies are ready to start drifting prices back up a little bit. It's time for what some in the industry have referred to as 'rate nourishment.' "
He believes the way agents can shift to selling value is by knowing their product and understanding their customer more and selling differences. "A lot of our forms are pretty much the same," Setters notes, "but there are options.
"You have to look at the quality of the carrier," Setters explains. "Does the carrier provide loss control services? Are you comfortable with the company's integrity and expertise? What is the strength of the insurer's paper? These are all factors agents and brokers need to consider. It's very important to find a carrier that is outstanding at claims administration and that can resolve claims and get damaged equipment back on the road quickly."
Setters encourages agents and brokers to work closely with insureds and prospects to understand their business and share this knowledge with insurance markets. "Agents need to be involved in surveys," he says, "because they represent that customer. To reach out to the market for good, accurate quotes to cover the exposures requires good survey work."
Agents and brokers are responding to industry and market shifts. "Agents are really making sure that, as customer needs change, they adapt," says Lawrence. "As insureds are adding new equipment and adjusting their driver base, agents are making sure they're properly covered."
"It's really about taking care of customers and being there to meet their needs," she adds. "Whether it's helping them with CSA or just being there to help with changes so they can get that next load and stay on the road, it's definitely about customer service and being transportation experts for those motor carriers."
According to Lawrence, meeting customer needs requires a combination of automated and personal contact. "Technology plays a part, particularly in terms of speed of response," she notes, "but in the trucking industry, it's about that personal relationship and direct contact."
Sager concurs. "As a company, we evaluate how we service agents and are constantly looking for ways to become easier to do business with and give agents tools they need to service their insureds," he explains. "But trucking is still extremely relationship driven. The trucking community values that."
More and more, technology is part and parcel of trucking and driver interactions. "Drivers are carrying iPads and national coverage iPhones," he adds. "Information delivery, such as weather and traffic and more-has totally been transformed. Technology has changed their lives.
"They use
Parting advice
Sager is optimistic about the trucking market going forward. "The industry certainly experienced significant contraction over the last several years," he explains. "The net effect of that is that the remaining players are relatively healthy. And that's good news."
Adds Setters, "Agents and brokers definitely can succeed in this market. All companies have their own recipe and their own approach to handling the business, but agents that understand the markets can do well. Those that do great survey work and develop relationships with customers will be the winners."
Lawrence concludes, "Those agents and brokers who go above and beyond will do well."
"The [trucking] industry certainly experienced significant contraction over the last several years. The net effect of that is that the remaining players are relatively healthy. And that's good news."
|(c) 2012 Rough Notes Co., Inc.


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Winter Solstice Avatar by IsaiaWatch
©2013-2016 Isaia
poor toph
Where are Aang and Katara? Oh, I think I know.. 0.0
Brilliant! I love Toph's face.
Momo looks deliciously warm. Toph just looks cold and ticked off about it lol. She got the bad spot.
This is adorable!
Love it! Momo is SO cute<3
Poor Toph! Great picture though!
Cute! Love the idea!
I love it! not sure why but Suki is my favorite, she just looks so happy.
Very cute scene, nice expressions
Love it!
That´s so adorable. Toph looks so cute.
What a great New Year's gift. Alway; happy to see more Isaia drawing Avatar. ^_^
Toph is cute ^^
Wahhhh! This is adorable! I love all the expressions. Especially Toph, who's being chilly and pouty.
Your dynamic lines and bright colours fit wonderfully for a such a spirited picture! Wonderful job, as always~
Your dynamic lines and bright colours fit wonderfully for a such a spirited picture! Wonderful job, as always~
Good to see you back on DA! And to see you draw Avatar again fills me with joy.
It's fantastic!
awww poor toph, she looked cold!
It's great to see the gAang again
O.O toph is cuute!! XD
yet again, this is absolutely awesome!
Sokka's expression is the best thing ever
Sokka's expression is the best thing ever
XD Poor Toph.
Lol love Momo
Though, why does Toph have pupils?
Though, why does Toph have pupils?
Super cute! I love how Toph is all wrapped up in blankets!
So Sokka wants to play Pai Cho? Not a bad idea, since his new grandfather and his teacher have been in the Order. ^^
yay! meh gustaa
looks like toph and cold weather don't mix.
Momo! Oh my god what a cutie
I Think I know what to do with my walls
Toph hahahaha!
What a cool idea! ~ I love the swirly pattern you've done on the wall, it really helps everything stand out ...and Momo is just so cute
you posting avatar fanart almost makes me feel nostalgic ;u;
Toph...Precious baby!
Oh, Momo
Nice to see you, or read you, again, hehe
Happy Holidays too you too
Happy Holidays too you too
Aww, so cute! Toph is the best part! I love it!


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My son is 6 months old and he still wakes up 2 to 3 x a night. He won't stop whining and crying until I get him a bottle and then he will go back to sleep. The other thing is, he HAS to sleep with me nw. If hes in his crib he will wake up every hour to be in my bed. What can I do to help him sleep? Any advice?
my 6 month old won't sleep!
Posted 10/26/2012
Comments (7)
Posted 10/27/2012
It's normal for babies to be hungry in the middle of the night, especially during a growth spurt....
Posted 10/27/2012
I would recommend researching the different sleep training methods and choosing one you can stick with. There is a "sleep board" here you might want to check out as well. The ladies there are a wealth of knowledge. It's called "teaching your baby and toddler to sleep".
Posted 10/28/2012
We are going through the same thing. My lo is 6.5 months and is still up twice sometimes three times a night. If you find something that helps please share :)
kimmybaby28 · Original Poster
Posted 10/31/2012
I've been trying to get him full before bed and that works on and off. I give him oatmeal (regular oatmeal) since he has 2 1/2 teeth nd he chews it well. The babycereal/foods are so liquidy that they werent filling him. Try it! Thnks for the help everyone!
Posted 11/03/2012
I have the exact same issue..
Let me know if you find a cure. I'm thinking "this too shall pass".
Posted 11/03/2012
I have the exact same issue..
Let me know if you find a cure. I'm thinking "this too shall pass".


text:
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I'd prefer a world where people could refuse to bake cakes or refuse service to anyone for any reason, and people are free to publicize the hell out of it. I wouldn't patronize places that refused to serve people based on their skin color, sexual orientation or political beliefs, but that's just me. I have more faith in the market than the courts to handle issues like this. But the courts are where cases like this end up if you're not smart about it. So take their money, and tell them you're going to give it to your church. And if they still want the cake, bake it. But keep government out of it.
The Conservative Political Action Conference is next week, and it wouldn't be CPAC were there not some media frenzy over some group excluded or included. It's usually GOProud, the gay conservative group that is, according to the media, banned from getting a booth at CPAC.
Whether this is true is a matter for debate. I've been told by someone in a position to know that, at least three years ago, GOProud didn't have enough money to sponsor and get a booth. Considering the two founders of GOProud left the group recently, and that top officers of groups rarely leave organizations that are flush with cash, I think this may be a factor.
When was the last time you've heard of GOProud outside of a story about CPAC? That's not to say it couldn't have been a productive, helpful group, it's just to say it hasn't been.
That's also not to say that CPAC couldn't have handled it better.
CPAC should be what it was started to be – a conference for conservatives of all stripes to get together and network. There are national security conservatives, social conservatives, fiscal conservatives, people for whom abortion is their top issue and people for whom abortion doesn't make their top 10. And yes, there are gay conservatives. There should be a simple requirement for sponsorship – your group is some sort of conservative.
Having gay conservatives doesn't mean you have to "accept" the gay lifestyle any more than having religious conservatives means you have to adhere to the Bible to participate. Donald Trump, who's been married three times and had donated a lot of money to very liberal Democrats over the years, is a speaker again this year, for crying out loud.
On Tuesday there was even more controversy about CPAC when word broke that American Atheists, whose name pretty much sums up what the group is about, would be welcomed to CPAC and have its own booth. Its conservative bona fides? None. Literally none. Group leaders said they wanted to be there to reach out to atheists who happened to be conservative, or so they say. I suspect they wanted to be there to "see what happens," but who really cares?
Soon after the news broke, CPAC reversed itself and announced the group no longer was welcome. It never should have been allowed in the first place. Not because it's a group of atheists, but because it's not conservative. It doesn't advocate for anything expressly conservative; it just wants to be provocative. This is CPAC, not ProvocativePAC. But this bungle gave the media fodder to make CPAC and conservatives look stupid.
My faith, and I would hope this goes for anyone else with faith in anything, isn't threatened by someone else not sharing it. I'm no sooner going to turn into a secular progressive simply because my best friend is one any more than I am to "turn gay" because my oldest friend happens to be. How CPAC was caught off guard by this, and is nearly every year, remains a mystery.
It's pretty simple: Have a set of criteria – that a group be conservative on some issue (national defense, social issues, fiscal issues, whatever) and, if you've got the money, you're in. If you want to win elections, which should be the point, no one of those groups is going to carry the day on their own. They need each other.
As CPAC approaches, it's important to remember and take heed from the words of President Ronald Reagan, who said, "The person who agrees with you 80 percent of the time is a friend and an ally — not a 20 percent traitor." Conservatives are on the verge of major potential victory in November, if they could remember that, stop pointless infighting and stop being so damn stupid.
Here we go: Trump 36, Cruz 19, Rubio 15, Bush 11, Kasich 9 in Opinion Savvy poll of South Carolina | Allahpundit


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In the famous simile of the cave, Plato compares men to prisoners in a cave who are bound and can look in only one direction. They have a fire behind them and see on a wall the shadows of themselves and of objects behind them. Since they see nothing but the shadows, they regard those shadows as real and are not aware of the objects. Finally one of the prisoners escapes and comes from the cave into the light of the sun. For the first time, he sees real things and realizes that he had been deceived hitherto by the shadows. For the first time, he knows the truth and thinks only with sorrow of his long life in the darkness. -- Werner Heisenberg, Physics and PhilosophyLast year's surprise list had relatively poor results. Only about 40% of my surprises were achieved in 2010, well under the success ratio in previous years. By means of background, about 50% of my 2009 surprises were realized, 60% in 2008, 50% in 2007, one-third in 2006 , one-fifth in 2005, 45% in 2004 and one-third came to pass in the first year of our surprises in 2003. While my surprise list for 2010 hit on some of the important themes that dominated the investment and economic landscape this year, I failed to expect the announcement of further quantitative easing and did not accurately gauge investors' animal spirits that followed the proclamation of QE2.
Kass: 15 Surprises for 2011
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Houston Dentists Dr. Kathy Frazar and Thomas Hedge Welcome You!
Dr. Frazar has assembled a team of friendly Bellaire, Houston dentists, dedicated, and knowledgeable professionals with a common interest in creating beautiful smiles. When you're our patient, you can trust us to create a treatment plan for you that revolves around your desire for a beautiful smile and excellent dental health. We will do everything we can to make sure your visit is comfortable and relaxing.
Kathy Frazar, DDS – Houston Dentist
Dr. Frazar received her Doctorate of Dental Surgery from the University of Texas Dental Branch in Houston, and afterward began her practice in the Bellaire and West University area in 1989. Ever since then, Dr. Frazar has been at the forefront of the cosmetic dentistry profession, and is nationally recognized as one of the top-notch cosmetic dentists in the United States.
Bellaire dentist Dr. Frazar is dedicated to providing her patients with the best care that cosmetic and restorative dentistry has to offer in Bellaire, Texas. She has attained the prestigious level of LVI graduate in the cosmetics curriculum at the Las Vegas Institute for Advanced Dental Studies, which is one of the highest honors that can be achieved in the field. Her dedication to pursuing the latest developments and technology in dentistry has earned her a Fellowship at the Academy of General Dentistry. She is also a member of the American Academy of Cosmetic Dentistry, the American Dental Association, the Texas Dental Association, and the Greater Houston Dental Society.
Dr. Frazar's commitment to excellence in dental implants has earned her praise for numerous publications both locally and nationally. Both H Magazine and Texas Monthly have named her as one of the "top dentists in Bellaire" year after year. Her dental expertise has been featured on CNN, ABC, NBC, and other media outlets. She has also been recently named "Top Doctor for Women" by H Magazine.
Recently, Dr. Frazar has also been performing smile makeovers on the Deborah Duncan Show. She has been treating battered women in the Smiles for Life program. Dr. Frazar has been in the news for finishing the dental treatment on Carolyn Thomas. Carolyn was the faceless woman recently featured on Discovery Health Channel. She has also performed on Oprah, as well.
Thomas Hedge, DDS – Houston Dentist
Dr. Hedge is widely known as one of the top-notch cosmetic dentists in the United States. Dr. Hedge received his Bachelor's degree from Kenyon College in Gambier, Ohio where he majored in biology and chemistry. While studying at the Ohio State University College of Dentistry, he conducted research resulting in the publication of seven abstracts and one paper, and received numerous awards at the state and national levels.
After graduating from dental school, he completed a general practice residency at Richland Memorial Hospital in Columbia, South Carolina. This advanced education included training in anesthesia, pediatrics, emergency medicine, geriatrics, TMJ treatment, endodontics, periodontics, orthodontics, oral surgery, prosthetics, and implantology.
Dr. Hedge is nationally recognized not only for excellence in clinical programs, but for sound business practices that make full use of the newest technologies in dentistry. He is an alumnus of the renowned Las Vegas Institute for Advanced Dental Studies, as well as the Pankey Institute for Advanced Dental Education. Dr. Hedge is a frequent contributor in dental publications, as well as professional development magazines.
Bellaire, Houston cosmetic dentist Dr. Tom Hedge, would love to speak with you in order to discuss all of your cosmetic dentistry-related questions in Bellaire, Texas.
Dr. Raouf Hanna – Houston Periodontist
Dr. Raouf Hanna is the periodontist here at The Houston Dentists, and is also Board Certified in periodontics and implants. Dr. Hanna holds his Masters of Science degree and completed his training and residency at the University of Texas Dental Branch – Houston.
As assistant professor and program director at the University of Texas Dental Branch, Dr. Hanna holds appointments in both departments of periodontics and restorative dentistry. Posting his research in one of the most respected journals in dentistry, the Journal of Periodontology, Dr. Hanna has published his research in bone grafting, dental implants, and periodontal regeneration. Dr. Hanna regularly lectures on dental implants and periodontics on an international level, and attends conferences and seminars on advances in the dentistry field.
Dr. Hanna is a member of many dental organizations like the American Academy of Periodontology, the Academy of Osseointegration, the Greater Houston Society of Periodontists, the Greater Houston Dental Association, the Texas Dental Association, and the American Dental Association.
Dr. Hanna is certified in oral sedation and IV sedation, as well.
Maria – Office Administrator
Maria is an adoring mother to her daughter, Brianna , and a native of Baytown. Go Baytown Ganders! She has a broad knowledge in dentistry after practicing for the last 18 years as a clinical chair side assistant and administrative business professional. In the office, she will be your dental concierge helping you in any way needed to facilitate scheduling an appointment or explaining your necessary dental treatment. Maria is fluent in Spanish as it was her first language. In her personal life she stays very active attending spinning classes and her daughter's after-school activities that leave little time for much else. She has been an awesome addition to Dr. Frazar's outstanding team!
Stefan – Patient Care Coordinator
Stefan is originally an Idahoan but has been a Texan now for 11 years. She couldn't have gotten here sooner! After completing her hygiene studies at Wharton Jr. College in 2001, she began her career as a hygienist and is now an indispensable member of the clinical team for Dr. Frazar. She provides excellent care for each of our patients and specializes in assisting patients who have severe gum disease and periodontal problems. Married to her college sweetheart, Chris, and a mother of three girls and one boy, she enjoys creating crafts, woodworking, and taking beautiful photos whenever there is extra time after attending school activities and extracurricular events.
Joyce – Clinical Assistant
Joyce is one of Dr. Frazar and Dr Hedge's exceptional Clinical Assistants. Joyce is originally from Rioverde SLP Mexico. She moved to Texas when she was ten years old, and she loves it here. Joyce attended Sterling High School and jumped into Dentistry right after graduation.
She started working for a Dentist who was a friend of the family and her uncle who was a Dental Laboratory Technician. Right away, she loved being a Chairside Assistant. She loves helping patients with beautiful smiles and educating them about good oral health.
Joyce has an amazing daughter named Shaila, who loves gymnastics. They enjoying listening to music, and visiting museums, especially the art museums. Her favorite hobby is dancing, particularly "Salsa." Joyce will tell you it is a great workout and puts a smile on her face every time. She enjoys reading inspirational books and helping others any way she can. We would love you to meet Joyce as she "salsas" down the hallways with her beautiful smile at Dr. Frazar and Dr. Hedge's office.
Pahola – Office Administrator
Pahola is the Office Assistant for Dr. Frazar and Dr. Hedge. She graduated form Ross S. Sterling High School at the top of her class and she attends Baytown Community College, part time.
Pahola will tell you she really didn't choose dentistry as her career, it chose her. She is very grateful for the opportunity and she has fallen in love with dentistry. Pahola loves seeing patients' smiles transformed and their lives, as well. She will tell you she witnesses patients having more confidence and a boost in their self-esteem everyday. What job can be better than this?
Pahola has a beautiful little girl and she is her biggest motivation for her career choices and hard work. Pahola is a very adventurous young woman. Aside from working and spending time with her daughter, Pahola enjoys mission trips to Guatemala and Panama to help those less fortunate. She also enjoys rock climbing, zip lining, kayaking and working out at the gym. You can't miss Pahola, when you come to the office. She has an infectious smile and a very friendly, helpful demeanor.


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Mar 5, 2013
Vitro has entered into an agreement that will enable it to end its restructuring process and litigation with creditors in Mexico and the US, it says. Fintech, an investment firm that has served as the Mexican glassmaker's investor,...
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The Young ONES; Visual Arts as Part of a Challenging Scheme, Nine Curators of the Future Are Organising a Major Exhibition for the First Time. Karen Price Finds out More
AS the Oriel Davies Gallery in Newtown prepares to open its doors tomorrowfor another major exhibition, it is the curators of the project who will be in the spotlight.
For the exhibition, Me v U, is the third show to be staged at the gallery by the Young Curators Scheme.
Since March, nine young curators, under the guidance of artist Sean Edwards, have worked with staff at the gallery to organise this major show.
Working as a team, they have undertaken all aspects of the exhibition programme - selecting works, negotiating loans, gathering interpretation material, writing press releases and designing the catalogue and related material.
"It's quite a risky situation for the gallery to put itself in, handing over decisions like these to the participants," says gallery director Amanda Farr. "But that is what makes the project so exciting.
"Such a rare opportunity really builds confidence in the young people.
"They take full responsibility for the entire process. And though they gain valuable experience through working so closely with a professional art gallery, they give back far more, bringing new inspiration and energy, originality, optimism and clarity of vision to their exhibitions."
Me v U takes as its theme the issue of conflict, which the young curators believe to be so pertinent to our times.
To explore their ideas they have selected, interpreted and displayed works from Wolverhampton Art Gallery's Pop Art and Contemporary art collections.
The exhibition comprises a range of works that deal with the wide boundaries of what constitutes conflict in the 20thand 21st centuries.
Oriel Davies first launched its Young Curators Scheme as a pilot in 2005, having gained inspiration from Shrewsbury Museum and Art Gallery.
The show runs from tomorrow until October 4. If you would like to be involved with next year's Young Curators project contact Alex Boyd on 01686 625041 or email firstname.lastname@example.com
The Young Curators 2008
Daniel Perry The 24-year-old archaeology graduate lives near Llanbrynmair. …


text:
Thu, 05 November 2009 at 11:20 am
Kellan Lutz & Nikki Reed Do Nylon Magazine
Nikki Reed and Kellan Lutz get close in this spread for Nylon Magazine's November issue, on newsstands now.
The Twilight stars, who will be showing off a new film when New Moon opens on November 20, say they're nervous about the debut. "We were just making a little independent film in Portland," Nikki, 21, said. "I don't know what happened."
"We've lived this entire year in shock," Nikki shared.
For more pictures from Nikki and Kellan, check out Nylon on newsstands or visit NylonMag.com.
Like Just Jared on Facebook
Photos: Mike Piscitelli/Nylon Magazine Posted to: Kellan Lutz, Nikki Reed


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Following discussions between the England management and Nottinghamshire CCC, Nottinghamshire CCC has allowed batsman James Taylor to play for Sussex ..read more »
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- Washoe Valley,
- Glenbrook,
- Tahoma,
- Carson City,
- Reno,
- South Lake Tahoe
Catholic Dating By Diocese:
- Archdiocese of Los Angeles,
- Archdiocese of San Francisco,
- Diocese of Fresno,
- Diocese of Monterey,
- Diocese of Oakland,
- Diocese of Orange,
- Diocese of Sacramento,
- Diocese of San Bernardino,
- Diocese of San Diego,
- Diocese of San Jose,
- Diocese of Santa Rosa,
- Diocese of Stockton


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I hope it feels so good to be right. There's nothing more exhilerating than pointing out the shortcomings of others, is there?
Originally posted by darklanser
Go Rupert !! Go Rupert !! Go Rupert !!
He's going to win.
Originally posted by Gazrok
Yep, then again, Survivor doesn't have a very good track record when it comes to picking blacks who will represent well.... Maybe next season, they will do so? I vote for Colonel! I bet he'd represent well, and be entertaining to boot! Good luck on the auditions Colonel!!!


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Published: April 18, 2011
Chris Nelson, left, hugs his daughter Andrea Nelson, 15, in the parking lot in front of Lowe's hardware store in Sanford, N.C., on Sunday, April 17, 2011, a day after a tornado destroyed the building while the Nelsons were inside shopping. The Nelsons returned Sunday to reclaim their truck, back right.
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text: I read it some where that there is very small decoherence for photons. The reason being that photons do not interact with each other (Is that because photons are chargeless, colorless and flavourless particles?) and hence the information that they contain tends to stay with them. They have a small cross-section. However if you consider the compton scattering, there the photon is interacting. Secondly, in vacuum, a photon interacts with the quantum fluctuations, right? So how is it that there is little or no decoherence for photons?


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Respond to Review of The Owl House
by untemperedhope
Review: Want vegan desert? Check. Want a wide selection of vegan sandwiches? Check. Vegan Appetizers? Mmmm check. Entrees? Oh yes! The Owl House has it all! I have never been disappointed with food I have ordered from the Owl House. My favorite selections include the Vegan Cigarillos, Olek's Buffalo Stance, and the Vegan Cake. A must visit for Rochesterians and visitors alike! Reservations are recommended for weekend nights and holidays, but, good news! You can reserve through Open Table! Yippee!
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Fair Haven police earn state awardJune 12,2013Staff Report
FAIR HAVEN — The police department in Fair Haven won first place in the 2012 Vermont Law Enforcement Challenge.
The award is based on department policies and procedures, the training officers receive, public information and education and a department's enforcement efforts and effectiveness.
The department was also given a pole-mounted radar sign that will show the speed of passing motor vehicles. Police Chief William Humphries said the sign will be placed in a high-traffic area to remind drivers of the posted speed limit.
The unit is worth $3,000.
This is the second year in a row that Fair Haven police has received the award.MORE IN This Just InWATERBURY CENTER Vermont State Police say a toddler is in critical condition after being found ... Full StoryBERLIN A hypodermic needle was found in a baby changing table of the Berlin Mall on Friday,... Full StoryBURLINGTON The University of Vermont recently produced a new publication highlighting... Full Story
- Most Popular
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Jenrry Mejia received a lifetime ban after testing positive for a performance-enhancing substance for the third time.» Read More
Attorneys for the model allege that Cutera used Jenner's photo in advertisements for acne laser treatment without permission.
CNBC takes a look at what measures the euro zone has in place to stop banking systems in its 19 member countries going to the wall.
The U.S. Supreme Court on Tuesday delivered a major blow to President Barack Obama by blocking federal regulations to curb carbon dioxide emissions.
Ex-JPMorgan executive Achilles Macris was fined $1M for his role in the 'London whale' episode, which cost the bank $6 billion in losses.
Rumors spread across Cuba that the Cuban Adjustment Act may come to an end, prompting a flood of Cubans to the United States.
Giuseppe Castagna, CEO of Banca Popolare di Milano, discusses the bank's results and the potential for a merger with other banks.
The FBI confirmed on Monday that its investigation connected to Hillary Clinton's private email server continues. MSNBC reports.
DraftKings has received a gambling license to operate in the U.K., even as it fights that label to operate in the United States.
Eliminating high-denomination currency notes would help deter tax evasion, financial crime, terrorism and corruption, the ex-head of Standard Chartered Bank has argued.
A former top executive was arrested on Friday and accused by U.S. prosecutors of trading on inside information.
The president of Sinochem Group, China's energy and chemicals conglomerates, is under investigation for discipline violations, authorities said.
As if low prices weren't enough for the oil market, it must not hold their breath in the face of a potential new law.
Lorna Wendt wanted a 50-50 split of assets from top GE executive Gary Wendt during their 1990s divorce.
Will "Flash Boys" star IEX succeed in becoming a stock exchange with a speed bump? Tim Quast weighs in.
CNBC's Eamon Javers reports on government involvement in drug prices.
In an age of terror, its high time that global leaders get this unregulated industry under control, says Ami Daniel.
Former Turing Pharmaceuticals CEO Martin Shkreli was escorted from a drug price hike hearing after pleading the Fifth Amendment. CNBC's Meg Tirrell reports on comments by Rep. John Duncan (R-Tenn.) on Shkreli's what he calls "arrogance."
Former Turing Pharmaceuticals CEO Martin Shkreli has tweeted after being excused from a drug price hearing on Capitol Hill. He says "it is hard to accept that these imbeciles represent the people in our government."
CNBC's Meg Tirrell reports from Capitol Hill, where former Turing Pharmaceuticals CEO Martin Shkreli's invoked the Fifth Amendment at a drug price hike hearing.
Former Turing Pharmaceuticals CEO Martin Shkreli pleads the Fifth Amendment before Congress, and Shkreli's Attorney Benjamin Brafman attempts to address Congress.
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Capital Markets
Company Overview of Horizon21 Private Equity Holding AG
Company Overview
Horizon21 Private Equity Holding AG was acquired by Swiss Re Private Equity Partners AG. Horizon21 Private Equity Holding AG specializes in fund of fund investments. The firm seeks to invest in seed, startup, early venture, mid venture, late venture, middle market, buyout, mature, turnaround, private equity funds and publicly listed private equity fund of funds. It does not make direct investments. Horizon21 Private Equity Holding AG was founded in 2004 and is based in Pfäffikon, Switzerland.
Poststrasse 4
Pfäffikon, 8808
Founded in 2004
41 55 415 20 00
41 55 415 20 01
Key Executives for Horizon21 Private Equity Holding AG
Horizon21 Private Equity Holding AG does not have any Key Executives recorded.
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Stoozing - make free cash
Earn interest from 0% credit cards
Get Martin's Free Money Tips Email!
For all the latest deals, guides and loopholes - join the 10m who get it. Don't miss out
By Martin and Dan
Updated January 2016
Stoozing's the art of making money by cleverly manipulating credit cards - it was really popular in the early 2000s only to die in the wake of the credit crunch as great deals became hard to find. But now, with some of the best 0% spending deals we've ever seen and bank accounts paying interest of up to 5%, stoozing's BACK!
Here's our step-by-step guide showing exactly how you do it, the best 0% spending cards and interest-paying bank or savings accounts to use, and what to watch out for.
Best buys: Cards for spending
The premise - borrow free, earn �100s!
Stoozing's the art of making money out of 0% deals. It became the vogue of money nerds when credit card companies first launched 0% deals.
Martin broadcasted the first set strategy for it around 2000, and it works like this: Lots of cards lend new customers money at 0% (see options here). By grabbing this cash then saving it at as high a rate of interest as possible, you're earning interest on money they've lent you for free.
In stoozing's heyday, the amounts people could get were huge, with the biggest stooze-pot we heard about being �80,000 of 0% credit card debt (multiple cards, continually rolling onto 0% deals) which saved that stoozer nearly �5,000 a year as the money was offset in his flexible mortgage.
We're not quite back to the heyday of stoozing but with the credit card market the hottest we've ever seen, with plenty of long 0% spending deals and bank accounts paying interest of up to 5%, stoozing's definitely back.
Warning: Stoozing is ONLY for those who are debt-free & financially savvy. If you're not, avoid it as mistakes can be costly. If you're looking for more than just 0% spending, or you've debts, see our Credit Cards page for full options.
Who can do this?
Though lucrative, this technique is tricky, and not suitable for everyone. If you decide to give it a go, read this article in full, and make sure you understand the process, as mistakes can have a high cost.
Be credit card debt-free
Only use this technique if you don't have any credit card debts and have a decent credit score. Those who already have debts on plastic should use all available new credit to reduce the interest. Read the Best Balance Transfers guide.
Ensure you're on the ball
Do it right and this is risk-free. Yet stoozing isn't for the forgetful, ill-disciplined or inattentive. If that's you, stop reading now, as getting this wrong costs.
Consider cashback instead
If you're a little forgetful, or would just prefer a simpler way to make free cash, a more foolproof (but less lucrative) way to profit is simply using a cashback credit card and paying it off in full every month. For the current top picks, read the Best Cashback Cards guide, and see our Credit Cards page for more options.
How to stooze...
In a nutshell, the idea is to do your normal spending on an interest-free credit card, and let the dosh you'd normally be using build up in a savings account, earning interest. This is currently helped by the longest-ever interest-free spending card we've seen.
This requires discipline, and is absolutely NOT a way to spend more than you would have � it's a money-making recipe. So don't overspend and never breach the card's credit limit.
STEP 1: Get a card offering 0% on new purchases
The aim is to get the longest 0% spending deal you can and with possible added cashback rewards to boost your stoozing gains (don't confuse these cards with 0% balance transfers, which are for shifting debts).
Which cards'll accept you? The only way to find out is to apply, but that marks your credit file. So our Free 0% Purchases Eligibility Calculator shows your odds of getting each card, to minimise applications without hitting your file. All these cards are in it, except Clydesdale, which we can�t check for you.
The top 0% cards
The most profitable plastic here are the cards where the longest 0% spending period is combined with the most lucrative rewards programme.
Depending on your credit score and the amount you spend, this can be done with multiple cards. But it's best to start at the top and work your way down this list.
Longest 0% spending card we've EVER seen
Post Office* - 27 months 0%
This Post Office*�card has the longest 0% period on spending we've ever seen - provided you make at least one purchase in the first three months, otherwise you'll get 16 months 0%. But, this shouldn't be an issue if you're using this card to stooze - your aim should be to start spending on the card immediately.
Need to knows
- If you don't make a purchase in the first three months, you'll only get 16 months 0% on spending - which won't make this a good deal for stoozing.
- Make sure you fully repay the card by the end of the 27 months or you'll be charged 18.9% interest on any remaining balance.
- If you're accepted you'll get the full 27 months 0% deal. Unlike some cards, the Post Office doesn't give poorer credit scorers a lower number of months at 0%.
- Spending length: 27 months 0%
- Representative variable APR: 18.9% (Official APR Example)
- Card issuer: Mastercard
- Min income: �8,000
- Min repay: Greater of 1% of balance plus interest, or �5
Second longest 0% spending deal
Clydesdale/Yorkshire* - 26 months 0%
This card from Clydesdale Bank* offers 26 months 0% on spending. But, we can't check your chances of getting this card for you, so if you think you're likely to be rejected then it's worth looking at the other cards below where you can check your chances before applying.
- You'll either get the full 26 months 0% or be rejected - Clydesdale isn't one of the lenders which accepts you for the card, and gives you a different 0% offer.
- Make sure you fully clear the card by the end of the 0% period or you'll be charged 18.9% interest on any remaining balance.
- Yorkshire Bank* also offers the same 26 month 0% deal, as it is part of the same banking group (National Australia Group).
- Spending length: 26 months 0%
- Rep variable APR: 18.9% (See Official APR Examples)
- Card issuer: Mastercard
- Min income: N/A
- Minimum repayment: Greater of 1% of balance plus interest or �5
Long 0% and you get Nectar points on spending
Sainsbury's Nectar* - 25 months 0%
If you like to collect reward points as you spend, then this Sainsbury's Nectar* card could be a good option. Not only do you get a decent 25 months 0% spending, but you'll also earn Nectar points as you spend. But, if you aren't so fussed about the points, you can get a slightly longer 0% period with the cards above.
- You get 2 points per �1 spent on Sainsbury's shopping and fuel, and 1 point per �5 spent elsewhere.
- Make sure you fully clear the card(s) by the end of the 25 months or you'll be charged 18.9% interest on any remaining balance. Poorer credit scorers may get 21.9% or 28.9%.
- You'll either get the full 25-month deal or you'll get rejected.
- Spending length: 25 months 0% | Card issuer: Mastercard | Min income: N/A
- Rep variable APR: 18.9% (See Official APR Examples)
- Minimum repayment: Greater of 1% of balance plus interest, 2.25% or �5
Long 0% as long as you use it in the first three months
AA* - 24 months 0%
Another card offering 24 months 0% on spending is the AA* Dual Credit Card, as long as you make a purchase within the first three months. If you don't, you'll only get 20 months 0% which isn't as good a deal.
- You'll either get the full 24-month deal or be rejected (unless you don't use the card, in which case you'll get 20 months, as described above).
- After the 0% period ends, you'll be charged interest at 19.9%, but poorer credit scorers may get 22.9%.
- Spending length: 24 months 0% | Card issuer: Mastercard | Min income: �8,000
- Rep variable APR: 19.9% (See Official APR Examples)
- Minimum repayment: Greater of 1% of balance plus interest, 2.5% of balance or �5
Don't get card protection insurance
Payment protection insurance is commonly sold with credit cards � the idea is it'll make some payments for you, usually for a year, if you are unable to (eg, if you lose your job).
When properly using a card for stoozing, there's no need to tick the box for this policy. It's unnecessary. If there's a problem, you can pay off this debt with the savings.
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STEP 2: Follow the Golden Rules of Stoozing
Once accepted, use the card for everything you buy; replacing all credit card, debit card, cheque and cash spending up to the credit limit � though never withdraw cash as you're charged interest.
As all spending is on the credit card, cash isn't withdrawn from your current account, allowing unspent wages to build up. This means the debt on the credit card will be matched by extra cash in your current account � and this forms the stooze pot you can use to save.
However there are a few safety rules for doing this:
Don�t exceed your credit limit. That can result in you losing the 0% deal and hurting your credit score.
This isn�t an excuse to overspend. We�re just using it as a method to build up savings to match the stooze pot.
Only make the MINIMUM repayments. Don't try to repay this card in full. Just set up a direct debit to make the minimum monthly repayments, usually around 2% of the outstanding balance. Don't miss any payments, or you could lose the 0% promo offer, messing up your entire stooze.
Never withdraw cash on these cards. That isn�t at the cheap rate, you will pay interest even if you clear in full, and it can impact your credit score.
STEP 3: Earn max interest on the debts
You now have debts on the credit card, and approximately the same amount in credit in your current account.
Its time to maximise the interest you earn by moving the money into the highest interest savings vehicle possible. Don't wait for the cash to build up, just siphon it off into the savings account as soon as possible.
Just ensure it's easy access, so you can pay the card off whenever needed.
Where to save the cash
The top savings rates right now come from current accounts as banks are fighting to lure in new banking customers (bank accounts are big business for banks as once you're a customer they can cross-sell you a range of financial products).
Alternatively, to combine risk-free easy access and a high rate, use the top-paying tax-free cash ISA. These allow every UK adult to save up to �15,240, and pay no tax on the interest earned. If you've used up your ISA allowance and don't want to use an interest-paying bank account, put the money in the best-paying Instant Access Savings account.
Anyone with a flexible or offset mortgage, where money can be deposited and taken out at will, should simply pay all the cash into that. The mortgage interest reduction outweighs even the best cash ISA returns.
Top paying current account
If you're stoozing a larger amount, the Santander 123 account gives up to 3% interest if you have between �3,000 and �20,000, plus you can earn up to 3% cashback on your bills. You'll need to pay in at least �500/month and set up a minimum of two direct debits (plus pay the �5/mth account fee).
To get the full benefit you may want to move all your cashback eligible bills over.
Another alternative is the TSB Classic Plus account which pays the highest interest on smaller amounts, paying 5% on the first �2,000 that�s in your account. Plus, you can also get 5% cashback on the first �100 spent each month on your contactless debit card. You'll need to pay in �500 every month to hold the TSB account.
Top cash ISAThe current open-to-all highest-paying cash ISA that allows access whenever you need it is the Easy Access ISA account from�Coventry BS. It pays 1.5% AER variable, from �1, and you can transfer in previous years' ISAs too. For full details, plus all the alternatives, see the Top Cash ISAs guide.
Easy access savings account
The highest-paying standard savings account is the HiSAVE SuperSaver account from ICICI Bank, paying 1.65% AER. It can be opened online and you only need �1 to get that rate.
The credit card debt is now at 0% and the savings hopefully at 3% or 5%. Now, diarise the date the 0% ends, and sit back while earning interest.
STEP 4: Increase your profit
When the end of the 0% period approaches, you can choose to simply pay off the debt with the savings and bag the gains. Or you could shift the debt again to another cheap balance transfer to keep earning interest on the savings.
If you take the second option, always try to grab the balance transfer card with the lowest fee possible. Balance transfer fees used to be around 2-3%, but are now a lot lower so that can make it worthwhile - some even have no fees to transfer a balance. Check the current top low-fee balance transfer offers.
Plus, you can restart the whole scheme with another new card at the same time. It's possible to do this whole system with two, three or four cards consecutively.
Will it hit your credit score?
Most lenders' scoring systems aren't sophisticated enough to detect that you're playing this free cash gain.
Yet multiple, clustered applications, and high outstanding debts, even at 0%, will diminish your ability to get competitive credit, so always spread card applications out.
In stoozing's early days, some people got huge amounts at 0%. Now lending criteria is tighter, so it's best to start small and not overstretch yourself (read the Credit Scoring guide).
The Stoozing Calculator
IMPORTANT NOTE: The longer you take to build up the full amount of debt, the less accurate the figure below will be. Also, if you switch to a 0% balance transfer after the initial interest-free period, you'll need to take any one-off fee into account.
Stoozing calculatorHow much can you stooze?
A note for the curious: Where does �stoozing� come from?
This isn't a fly-by-night system. Martin first broadcasted a strategy for this in early 2000, as 0% credit card interest rates began. Many who started back then now report �1,000s in total gains.
As the number of 0% cards increased, so did the number of people taking advantage. The commonly used name is 'stoozing', used to describe any technique to profit out of playing credit card companies' deals.
We gather a couple of years after the technique started, the term gained common usage in The Motley Fool website's forums, due to a contributor there called Stooz. Yet regardless of whether it's �free cash' or �stoozing', either way, hopefully it'll be cash in your pocket.


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Museums In Philly
by: Androids Future | 36
by: Androids Future | 36
★ Patterned after Museums In NYC - one of the Sunday Times Top 500 Apps of 2012! ★
Museums In Philadelphia isn't just a digital yellow pages like most museum apps. U get useful info like:
Works w/Samsung Galaxy Tab!
-choose by category
-1 touch navigation
-directly email & phone museum
-hours of operation & cost
-easily link to collections,events,etc
-rental & intern availability
-Museum Community
Follow on Twitter @AndroidsFuture
from 36 reviews
Free - V126.96.36.199 - 589K