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▸Requests for reprints should be addressed to Alexandra M. Levine, M.D.; USC School of Medicine, Norris Cancer Hospital and Research Institute, 1441 Eastlake Avenue; Los Angeles, CA 90033-0804.
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© 1986 American College of PhysiciansAmerican College of Physicians
The human T-lymphotropic virus type III/lymphadenopathy-associated virus (HTLV-III/LAV) requires reverse transcriptase for viral replication. We treated 12 patients who had acquired immunodeficiency syndrome and active HTLV-III/LAV viremia with suramin, a potent competitive inhibitor of reverse transcriptase, in six weekly induction doses of 1 g, followed by weekly maintenance doses of 500 mg. Three of eleven evaluable patients had complete inhibition of viral reverse transcriptase levels, lasting at least 18 weeks in each. Two additional patients had marked reduction in reverse transcriptase activity. Nadir serum suramin levels at the end of the induction phase correlated with the level of reverse transcriptase reduction. Toxicity included hepatic transaminase elevation, fever, malaise, rash, proteinuria, paresthesias, reversible neutropenia, and adrenal insufficiency. Objective clinical improvement was documented in 1 patient, but no patient had improvement in immune function and 7 patients had recurrent opportunistic infections. Although suramin may suppress HTLV-III/LAV viremia, its significant toxicity and lack of effect on immune variables indicate that alternative therapy will be required.
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THE road through Birdwell to the M1 has been named the second worst road in the country, based on data from the Department of Transport.
Nearly 60 per cent of all journeys are delayed according to analysis of the figures done by the WeLoveAnyCar.com website.
Lee Spencer, 44, of The Walk, Birdwell, said queues heading towards the motorway routinely stretch as far as Birdwell News, which is three-quarters of a mile from the junction 36, but when the M1 is congested it stretches back to the petrol station - more than a mile from the motorway.
Coun Roy Miller said: "The A61 and the motorway junction are the (national) Highways Agency's responsibility, not the council's. But local members have expressed concerns to us and we have forward them to the Highways Agency.
"They need to do something to do something with the roundabout to improve the flow."

subset: commoncrawl


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Rhys Bobridge is SuperGay
Performer Rhys Bobridge will be bringing his band of Spunkz to ARQ this weekend when he plays host at SuperGay. "It's the only party I'll be at this weekend," Rhys laughingly tells SX. "Me and my Spunkz will get to mingle and entertain and provide a fun and sexy atmosphere at ARQ."
The former So You Think You Can Dance contestant said he and his Spunkz crew will be giving "superhero realness" all night. He said the punters should expect to see a Tumblr version of the traditional comic book hero.
"So there'll be a lot less clothing and a lot more flesh on show."
Rhys suggests if you're holding out for a hero thsi weekend - the only place you're going to find one is at ARQ.
"Last time a few people did dress up and personally I love a dress up party," Rhys said. "Any opportunity I get to dress up (or dress down, for that matter) I take."
He encourages everyone to break out the spandex and the lycra and said: "Show us your best secret identity. And lets' all have a good time."
- TOPICS: ARQ, dance party, Rhys Bobridge, Spunkz, supergay
- CATEGORIES: Dance, Entertainment


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Donald Schiller
Mr. Schiller is a founder and name partner in the Chicago matrimonial law firm of Schiller DuCanto & Fleck LLP. He focuses his practice on the trial and settlement of complex and high stake divorce cases. He is a former President of the Illinois State Bar Association after Chairing its Family Law Section. A former member of the Board of Directors of the Illinois Institute for Continuing Legal Education, he continues to serve on its faculty for family law programs. Schiller served on the Board of Governors of the American Bar Association in 1994 and was Chair of its Family Law Section in 1985. He is a Fellow of the American Academy of Matrimonial Lawyers and former National Chair of its Continuing Legal Education Committee. Mr. Schiller is a Diplomat of the American College of Family Trial Lawyers and was selected as one of Illinois' and the country's top matrimonial lawyers by a number of publications including Town & Country Magazine, Worth Magazine and the National Law Journal. Peer review publications Super Lawyers and Leading Lawyers rate him as one of the top ten lawyers in Illinois. Schiller has been chosen for inclusion in every edition of The Best Lawyers In America and is featured in a Chapter in The Divorce Lawyers, by Emily Couric. His firm, which limits its practice to matrimonial law, has grown to be the nation's largest of its kind. He writes and lectures extensively in the field of matrimonial law.


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On MacOS X I can run
open /some/path/index.html
and this would open the page
index.html with the default software that handles
.html files. Is there something similar on Ubuntu Linux? I have used
gnome-open in the past, but if there is no gnome installed, this command fails, of course.
gnome-open /some/path/index.html
Is there a generic "open this file with the default application" on Linux?


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Here's a traditional classic comfort dish with a new twist:
Healthy Potato Lasagna
2 links of Italian turkey sausage (3 ½ ounces each)
1 ½ cups of chopped onion
1 cup of fat-free ricotta cheese
1 tsp of dried basil or Italian seasoning
½ tsp of garlic powder
1 egg white
2 cups of marinara sauce, divided
1 and one-fourth pounds Wisconsin Yukon gold potatoes, peeled and thinly sliced, divided
1 cup of part-skim shredded mozzarella cheese, divided
Remove the sausage from casing and crumble into a medium skillet with onion.
Cook for 10 minutes or until both are browned, breaking up sausage with back of spoon.
Stir together ricotta, basil, garlic powder and egg white in a small bowl.
Spread ½ cup marinara sauce in the bottom of a 9-inch square baking dish.
Place one-third of the potatoes in the bottom of the dish, forming a solid layer with no gaps.
Drop ½ ricotta mixture in spoonfuls over the top and spread out just a little.
Sprinkle with one-third of mozzarella and ½ sausage mixture.
Add ½ cup more sauce, then repeat potato, cheese and meat layers.
Top with the last layer of potatoes, remaining sauce and mozzarella.
Cover with plastic wrap and make a small slit to vent.
Microwave on high for 30 minutes or until the potatoes are tender.
Makes 4 servings
Additional Info
Potatoes add many benefits, including:
Fiber-They're a source of dietary fiber (a complex carbohydrate), that helps with weight loss.
Vitamins-One medium-size potato has contains nearly half the recommended daily dose of vitamin C and is also a good source of vitamin B6.
Potatoes are naturally gluten-free!
And they're a great source of potassium, which may help lower high blood pressure (they actually contain more potassium than a banana or spinach).
For more info on potatoes and healthy potato recipes, visit www.eatwisconsinpotatoes.com.
Source: "Cozy Cooking"-Family Features-The Vindicator, Jan. 8, 2014


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- You are a sovereign being,
a fractal of the Sacred,
a fractal of Wholeness.
- The flow of your life.
The soul of your business.
- Grow your business.
Grow yourself.
- Expand your life. Evolve your business.
- The art of alignment. The miracle of action.
- Trust in the power of your perfect unfolding.
- Permission to grow, to flow, to know.
- You learn about freedom by experiencing what it feels like to be bound.
- Beyond your beliefs, beyond your drama — the truth of your life.
- Success is becoming the person who can ask for hugs and holding when your own strength has deserted you.
- Embrace the mystery at the heart of creation.
- Your soul sends out tendrils of light and fragrance into the world.
- You are the gift — and the giver.
You are the Love, and the lover.
- At the heart of all things — even limiting beliefs and painful programming — is wholeness.
- Surrender is an act of will. It is aligning your will with the will of the Sacred.
- You learn about sovereignty through the experience of being dethroned.
- Love transforms.
- Your soul's purpose is to participate in wholeness, to express wholeness.
- True Desire is a messenger of your soul.
It leads directly to your soul's purposes.
- Unfold the miracle of your life and business.
- Business = Love in action.
- Everything you need is already within you, waiting to unfold and express itself.
- Your inner world shapes your outer world.
Success is an inside job.
- You are the story, and the story-maker.
Your life is yours to shape.


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CoinDesk has compiled a summary today of the week's Bitcoin events that are of importance to Bitcoin investors, consumers and traders for the upcoming week.
Saturday, March 22, CoinDesk featured The Bitcoin Center NYC, located on 40 Broad Street just one-hundred feet from JP Morgan and the New York Stock Exchange, which has been a measurement of America's economic condition for almost 200 years.
It is the preeminent bitcoin location in the area, has a trading site and ATM terminals along with Bitcoin classes, talks, and a trading floor on Mondays and Saturdays.
The Bitcoin Center NYC was opened by co-founder Nick Spanos at the start of 2014 in January.
Spanos has a background in mathematics and technology from studies at the New York Institute of Technology. He teamed up with James Baria, who is the center's Director of Communications.
Spanos states that, 'We want to be the first regulated exchange in the world. It's going to be more like the Chicago Mercantile Exchange than anything, with a daily live floor and an online counterpart.'
Alex Andros, who is responsible for external relations, is a financial analyst by trade and has first-hand experience with inflating currencies and over-extended governments. He states that, 'All kinds of people come to our classes to learn how to take advantage of bitcoin. That tells you a lot about how widely appealing cryptocurrencies are. One of the funny things you often see here is the younger guys are usually teaching the older ones how things work, not the other way around. It's the newer generation especially that is taking to bitcoin.'
The much talked about Mt.Gox bankruptcy still is in the headlines. Assets of the company and its CEO, Mark Karpeles, have been frozen. Mark Karpeles did file for Chapter 15 protection in the US Bankruptcy Court for the Northern District of Texas on 10th March, and a temporary relief order was issued the same day. This was a supplement to the bankruptcy procedure in Japan which will help in securing assets for the reorganization.
Mt.Gox restored function ability on its website to allow investors to see the balance of their accounts.
On Friday March 21 Mt.Gox issued a statement that the company discovered the funds on March 7 and promptly informed the necessary authorities of the recovery. However, Chris Dore, at the Edelson law firm, which represents the US class action against the insolvent exchange, does not believe this version of the money trail. Dore issued a statement as follows:
'Their statement that they found [these bitcoins] in a random wallet and failed to tell anyone for two weeks is highly suspect.'
Over in New York, Ben Lawsky at the State Department of Financial Services in New York has been promoting a need for oversight on Bitcoin in order to protect consumers, cyber security and monitor activities for money laundering has established application procedures for Bitcoin exchanges.
Lawsky announced that it will accept proposals to establish regulated exchanges in New York. The number of businesses within New York State operating bitcoin acceptance is shown as 100 and is listed by CoinMap.org.
At the federal level, the Treasury Department's Financial Crimes Enforcement Network (FinCEN) has cracked down on unregistered exchanges. The US Treasury Undersecretary for Terrorism and Financial Intelligence said:
'Terrorists generally need 'real' currency, not virtual currency, to pay their expenses.'
The Texas State Securities Board was looking out for consumers when it issued an emergency order to bar Balanced Energy LLC from accepting investments in bitcoin from non-accredited investors March 10 and posted on CoinDesk in Sunday's review today.
The Securities and Exchange Commission Regulation D requires a minimum net worth and annual income amount to be allowed to invest in certain high volatile investments. More and more states are looking at Bitcoin as a commodity.
To find additional information about the above topics for Bitcoin, view the list below in Author's suggestions and the video atop this article on the Bitcoin Center in New York City and its actual trading session person-to person.
Twitter Victoria Wagner@victoriaross888


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8 Scientifically Proven Ways to Increase Your Happiness
My earlier post, the pursuit of happiness (& how to be truly happy) was about living life by the moments rather... Continue reading
My earlier post, the pursuit of happiness (& how to be truly happy) was about living life by the moments rather... Continue reading
There's probably no consensus on what the top 10 video games ever released are but most of us have an inkling... Continue reading
According to a recent study conducted by research-based, global performance-management consulting company Gallup, only 13%, or one-eighth of employees across 142... Continue reading
Having the dreaded writer's block or designer's block? Can't come up with an ingenious idea for your company project? What if... Continue reading
Shopping can be so effortless these days that we can literally do it with our fingers, be it through swipes and... Continue reading
For years, the Oxford Dictionary Online (ODO) has been making headlines for accepting words that are widely used on the Internet... Continue reading
We are born with the instinct to find meaning and purpose in our lives and this search for emotional well-being and... Continue reading
From social networking sites to online banking services, the Internet is indeed permeating into our lives like never before. Today, on... Continue reading
Google formerly known only for its search engine service decades ago, has turned into a flourishing multi-faceted Internet organization that provides... Continue reading
The Internet is the single most liberating force today where knowledge spread and ideas flourish. Such freedom, however, comes with a... Continue reading


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Rachael Horovitz Movies and Career Information
- Movies Produced by Rachael Horovitz
- Maggie's Plan 2016
- My Old Lady 2014
- Moneyball 2011
- Final Cut: The Making and Unmaking of Heaven's Gate 2004
- About Schmidt 2002
- Cock & Bull
Although updated daily, all theaters, movie show times, and movie listings should be independently verified with the movie theatre.
Contact mrmovietimes.com for information or comments. Please read the mrmovietimes.com Privacy Policy and terms of use. Enjoy the movie!
Copyright © 2016 Movie Times, Inc. Site Map | Google+


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Scientists are using pupil measurements to study a wide range of psychological processes and to get a glimpse into the mind.
A CRISPR Fore-Cas-t
March 1, 2014|
A newcomer's guide to the hottest gene-editing tool on the block
March 1, 2014|
A newcomer's guide to the hottest gene-editing tool on the block
March 1, 2014|
For the first time, researchers quantify the mechanical forces cells exert on one another.
February 14, 2014|
Researchers use the TALEN genome-editing technique to generate a primate model of Rett syndrome.
February 12, 2014|
Blood clots on medical devices might be reduced by a graphene-based material.
February 12, 2014|
Researchers control nanomotors inside living cells.
February 11, 2014|
UNESCO highlights accomplishments in crystallography in a year-long celebration in 2014.
February 7, 2014|
Federal stem cell regulations vary; Salmonella exploit host immune system; microglia help maintain synaptic connections; prosthesis re-creates feeling of touch
February 6, 2014|
Salmonella enterica can exploit a standard immune response in mice to promote its own growth.
February 3, 2014|
Twin macaques are the first primates born whose genomes were edited using CRISPR technology.
February 2, 2014|
Without microglia to pluck off unwanted synapses in early life, mouse brains develop with weaker connections, leading to altered social behavior.


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Feb. 15, 2013
Recap | Box Score | Photo Gallery | AP Photo Gallery
Arizona Head Coach Sean Miller
Opening Statement:
"I thought Colorado had an incredible environment. This was a big game for them and they are playing really well. Coming into this game, I think they've won four out of five or five out of six. Watching them develop and how they've played recently, this was a pivotal home game for them. They were ready to go. Often times it's hard to give the other team all of the credit because we're out there playing against them but I thought they had a number of shots at the end of the clock. Whether it was Xavier Johnson in the first half or Spencer Dinwiddie - they made some big shots to continue to give them the lead.
"Our defense has been what has gotten us to this point. If you look at tonight or against Cal, our last two losses, our defense has had a hard time getting stops. We really have. Some of it is very good play by the other team and some of it is us. We wouldn't be the team we are today and have the record we have if teams would have shot like this against us. We've played against some of the best teams in this country and our defense has held up. Tonight, it didn't. I credit Colorado. From our standpoint we have to get back when we play Utah. We have to get stops and be a tough-minded defensive team. The other thing that was hard was in the first half, we went into the half 1-of-10 from three (point range). I don't think we took necessarily bad threes. On the road, you have to make sure you make plays on offense and defense. To be 1-10 for three and dig yourself down by seven points, that hurt us. At the beginning of the second half, we got off to a slow start and I had to call about ten timeouts. The bottom line is that around the nine minute mark, it was a six-point game, and once again they answered the bell. I credit them, they played an excellent game."
On If Any Team In The Country Could Have Won In Boulder Tonight
"It would have been hard. I think tonight, even some of the best teams in the country would have had to come in here and play a great game. This was an electric atmosphere and they played really hard. They played really well on offense. I think Xavier Johnson was great. He probably doesn't get enough national recognition. He may be the best freshman in the [Pac-12]. If not, he should be put up there with the three or four that everyone acknowledges."
On Angelo Chol
"One of the things I was excited about was seeing Angelo Chol play the way he did, he really played well you can tell his confidence is growing and he made some really big plays in the first half especially. He really played about as well in his role as anyone on the team."
On Arizona's Effort
"We played hard, it wasn't as if I was yelling at our guys to play harder. Colorado was playing at a high level and I thought that environment with the way they were playing it would have taken a great effort by us to win that game.
On Where The Team Is After The Loss
On Losing Two-In-A-Row
"It's never as bad as its seems and the sky isn't falling, for all I know we can go to Utah, play a great game then we have two home games after that and we get back on track. There aren't a lot of teams right now that are headed where we're headed and no question there's bumps in the road over a long season. It's difficult to win here, I think they're 41-5 over the last few years, we played hard tonight, they were the better team though."


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Bill 94 was introduced to the National Assembly today
(Photo: EOZyo, Wikipedia)
Related Articles
PQ proposes Charter of Secularism
Niqab wearer expelled from francization course
Niqab denies equality of men and women
O Canada's gender neutrality not the main concern
Justice Minister Kathleen Weil introduced a bill in the National Assembly today that, if passed, would require anyone working for the government or receiving its services to do so with the face uncovered. Services include education, health and social services, and daycare.
The relevant section of the proposed law, Bill 94, reads:
"The practice whereby a personnel member of the Administration or an institution and a person to whom services are being provided by the Administration or the institution show their face during the delivery of services is a general practice.
"If an accommodation involves an adaptation of that practice and reasons of security, communication or identification warrant it, the accommodation must be denied."
Premier Jean Charest held a press conference today to announce the introduction of the bill, promised after the controversy over Immigration Ministry staff expelling a Montreal-area woman from government subsidized French classes for wearing a niqab. Justice Minister Kathleen Weil, Immigration Minister Yolande James, and Minister for Culture, Communication and the Feminine Condition, Christine St-Pierre were also present. The intent of the bill is to address not only reasonable accommodation, but the principles of gender equality and the "religious neutrality" of the Quebec government.
"Quebec bill would require uncovered faces" The Gazette
Bill 94: An Act to establish guidelines governing accommodation requests within the Administration and certain institutions


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College Hockey:Women's D-I picks: Nov. 29
Well, Arlan continues to pull away. I think I should concede. Last week, Arlan and I went 15-7-4 (.653), so I moved to 110-40-18 (.708), while Arlan moved to 117-33-18 (.750) on the year.
I have no idea how to catch him.
Friday, Nov. 29
Northeastern at Dartmouth
Candace: Dartmouth is home, but it has been inconsistent of late. Of course, Northeastern hasn't exactly lit the world on fire either. Northeastern 2-1
Arlan: Kind of like when I don't know how to spell a word, it looks wrong no matter how I type it. Dartmouth 4-3
Robert Morris at Maine
Candace: I feel more comfortable picking this than any other. What does that say? Robert Morris 3-1
Arlan: The Colonials' offense has dried up of late, yet they're unbeaten in the last six games. Robert Morris 2-1
RIT at Quinnipiac
Candace: Which streaky team prevails? I have to go with home ice. Quinnipiac 4-2
Arlan: The Bobcats have scored 11 goals in the last eight games and only twice in their current three-game winless streak. Quinnipiac 4-3
Connecticut versus Yale
Candace: Both squads have shown significant improvement this year, so I have no idea which to pick. Yale 3-2
Arlan: Watching Yale last weekend, the Bulldogs play better once they are several goals down. Connecticut 4-2
Friday-Saturday, Nov. 29-39
Wisconsin at Minnesota-Duluth
Candace: Defense beats offense, and most other defenses. Wisconsin 2-1, 3-1
Arlan: The Badgers haven't done particularly well at AMSOIL, including failing to score on their most recent trip. Wisconsin 2-1, 2-1
Boston College at Cornell
Candace: I think this will be a split, but am not sure which team wins which game. Boston College 2-1, 2-1
Arlan: The Eagles really need one of these games so I expect a desperate effort; if so, which game do they win? Cornell 5-4, 2-1
Rensselaer at St. Cloud State
Candace: A good chance for the home squad to build momentum ahead of a big WCHA series. St. Cloud 2-1, 3-2
Arlan: Two teams coming off of emotional series versus "Bye." St. Cloud State 2-1, 3-2
Saturday-Sunday, Nov. 30-Dec. 1
Princeton at Minnesota
Candace: Princeton is an improved team, but not enough to beat Minnesota. Minnesota 4-1, 4-1
Arlan: Minnesota has won its last 19 games against non-WCHA opponents. Minnesota 4-2, 3-1
Ohio State at New Hampshire
Candace: Sooner or later, Ohio State will start winning again, but for now, I'll pick New Hampshire, even though every time I do, the Wildcats lose. New Hampshire 3-2, 2-1
Arlan: Some series scream, "split," but this feels like a sweep one way or the other. May I wait for the first result before picking the second? Ohio State 3-2, 2-1
Sunday, Dec. 1
Dartmouth at Harvard
Candace: I'm sure this will be a barnburner of a game, but I like the Crimson this year. Harvard 3-2
Arlan: You can throw records out the window in rivalry games; nonetheless, I'm just going to pick the better team. Harvard 4-2
Tuesday, Dec. 3
Boston University at Northeastern
Candace: Northeastern and BU played to overtime a month ago, but the Terriers have gotten better, while Northeastern has stayed the same. Boston University 3-2
Arlan: This went to OT last time, but I don't really see signs that the Huskies have closed the gap. Boston University 4-2
Cornell at Syracuse
Candace: I'm not sure Syracuse is good enough to keep Cornell in check for long. Cornell 4-2
Arlan: A potential trap game for Cornell as it closes out 2013 after a much-anticipated series with BC. Cornell 3-2
The following is a self-policing forum for discussing views on this story. Comments that are derogatory, make personal attacks, are abusive, or contain profanity or racism will be removed at our discretion. USCHO.com is not responsible for comments posted by users. Please report any inappropriate or offensive comments by clicking the "Flag" link next to that comment in order to alert the moderator.
Please also keep "woofing," taunting, and otherwise unsportsmanlike behavior to a minimum. Your posts will more than likely be deleted, and worse yet, you reflect badly on yourself, your favorite team and your conference.


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When President Obama spoke at Lorain County Community College in Elyria, Ohio, on Wednesday, he said, "I wasn't born with a silver spoon in my mouth." But when Fox News host Steve Doocy repeated it on Fox & Friends to Mitt Romney, it was a false version: "Unlike some people, I wasn't born with a silver spoon in my mouth." Updated with correction.
The first three words, "unlike some people," are a complete fabrication. President Obama never said them or anything like them. The difference is very significant, as it is much easier to interpret the fabricated quote as a deliberate mockery of Romney.
What happened next? The Washington Post reported the story without noting Doocy's fabrication and put his words directly into the mouth of President Obama:
Even worse, the New York Post - a sister media outlet to Fox News - devoted one of its two Friday editorials to slamming Obama for taunting Romney -- based on the false quote:
When I pointed this out to Adam Brodsky on the editorial staff at the New York Post, he suggested that I should write a Letter to the Editor, but said he couldn't promise that it would actually be printed. As of this writing, he had expressed no intention of correcting the fabricated quote, and it is still there.
Meanwhile, the false quote is reverberating in the echo chamber of the right-wing blogosphere:
You can read more of my comments on this here.
So, the upshot is that Fox News can put a completely false, fabricated quotation into the President's mouth, and two of the nation's largest, most powerful newspapers will pick it up and uncritically report it, without checking, as if it were the truth.
CORRECTION FROM ELLEN: The title of this post originally said The New York Times repeated Doocy's falsehood. This was an editing error, not the mistake of the author.
"No one can serve two masters. He will either hate one and love the other or be attentive to one and despise the other. You cannot serve both God and money"
In the same way, IT IS IMPOSSIBLE for the mainstream media to serve both high ratings (i.e. BIG $$$$) and the American people's RIGHT TO KNOW.
Sorry to be off-topic. In the process of consolidating my Aunty Em identity with Headly Westerfield I signed onto NewsHounds via Twitter. While this was intentional, I did not know Nation Builder would go through the archives and change the name of the author on all my previous posts to this name.
Oh well, that's now just another clue for the conspiracy theorists to wrap a whole new fantasy around.
1 – Fux Nuze
2 – RW Riff Raff
3 – Vatican
Obama's not an elitist and wasn't accusing Romney of being one, yet Romney/GOP/Fox et al constantly, and directly accuse Obama of being an elitist.
Remember Harvard grad Romney (with 2 Harvard attending sons) slamming Obama for attending Harvard? Many people don't, because it was barely mentioned outside of MSNBC and some progressive blogs.
Jeeez said everything else, except:
This has always been my way of making Steve Doocy more fun to watch: put on you're favourite version of "What's The Use Of Getting Sober (When You're Gonna Get Drunk Again)" and mute the sound. Doocy looks like a dipsomaniac. You don't need the music. It's just more fun that way.
Shameless plug for my new blog: Headly Westerfield's "Aunty Em Ericann" Blog: http://notnowsilly.blogspot.com/
With all my love,
Headly Westerfield
Yes sir re bob, I'm sure we can all forward to this, first thing in the morning.


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welcome from the panhandle of Texas!
This is a discussion on Youngster in Oklahoma within the New Members Introduce Yourself forums, part of the DefensiveCarry.com Forum Office category; Welcome from SE Missouri....
welcome from the panhandle of Texas!
Certified Glock Armorer
"I got a touch of hangover bureaucrat, don't push me"
--G.W. McClintock
Independence is declared; it must be maintained. Sam Houston-3/2/1836
If loose gun laws are good for criminals why do criminals support gun control?
Greetings from UT, and welcome to the forum!
"In America, freedom and justice have always come from the ballot box, the jury box, and when that fails, the cartridge box."
-- Steve Symms, US Senator from Idaho, 1990
welcome and learn from your elders, sounds like many here with some good advice.
Howdy from your neighbor..........
Psalms 144:1
Blessed be the Lord my strength, which teacheth my hands to war, and my fingers to fight.
Senior Instructor for Tactical and Defensive of Texas
Retired LEO
NRA member
TCHA member
Welcome aboard from St Augustine, Florida
2A is not negotiable
"I didn't do it, nobody saw me do it, you can't prove anything!" Bart Simpson
Semper Fi
"want to find some people with interest in firearms"
You found us. We're all right here & from all over the world.
You're one of us now so...join right in. New folks always welcome.
Greetings from Kansas! Welcome to the forum.
Welcome From South Mississippi -


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Growing up Roman Catholic exposed me to fasting. I remember taking a sack breakfast of hard-boiled eggs and cinnamon toast to school to eat after communion. Throughout my childhood I ate no meat on Fridays. I never questioned the practice because everyone around me fasted.Read More Post a comment (6)
That very first day I stood in the serving line for the Bread of Life we were serving a Wednesday meal out under the pecan trees. I stood that fall evening at the beginning of the line passing out the plastic serving ware—you know the kind that have all the white utensils, a salt and pepper packet and a little napkin. I had never served—not in this way. Oh, I have served all of my life but only to my peers. To men and women who looked like me and shopped where I shopped and took their children to the same school. You know, it was a kind of mutuality in service.Read More Post a comment (2)
His eyes scanned the congregation from the familiar confines of the pulpit that bore the evidence of many a page turn, sweaty palms and coffee spills. His eyes were met by many others; a few hungry for nourishing words, some only mildly amused, others tentative and uncertain, still others hiding veiled pain and hostility. The punishing schedule of producing what amounted to an essay every week, all with clever turns of phrase, well placed jokes, tenderly spoken personal anecdotes and the dizzying exegetical dismount had worn thin his already wavering passion.Read More Post a comment (9)
I grew up Catholic and Lent for our family meant eating more fish. For some reason meals with fish instead of meat was a form of fasting. And since eating fish consisted of the unceremonious rotation between frozen fish sticks and tuna casserole, it did in fact comprise a form of deprivation. Whenever my sisters and I complained, however, Mom reminded us that when she was a girl, her parents made her eat barracuda, which (for her) was sheer torture. She assured us that we were getting off easy and had no room to complain.Read More Post a comment (0)
Jesus turned and said to Peter, "Get behind me, Satan! You are a stumbling block to me; you do not have in mind the concerns of God, but merely human concerns."
What is happening? That's what Peter had to have been wondering. Just a few hours earlier Jesus had called Peter his rock, upon whom his church would be built. Now he's calling him the Devil. Not even the son of the Devil, but the Devil himself. Peter may have pushed his way gruffly through the crowd. Maybe he'd had enough of this nonsense, Jesus always speaking in riddles. Peter had been faithful. He'd worked as hard as anybody of the disciple band to usher in the kingdom.Read More Post a comment (1)
One of the fruits of Lenten observance for me has been to expose the practical realities of who or what I am trusting. A familiar passage helped me recently to reflect on this for this year's Lenten journey.
Proverbs 3:5-6 NLT
Trust in the LORD with all your heart;
do not depend on your own understanding.
Seek his will in all you do,
And he will show you which path to take.Read More Post a comment (1)
At church the Sunday prior to Ash Wednesday, the Rector told us that this would be the last time we'd be saying the word "Alleluia" in any form as a congregation until Easter. He explained that this was another form of Lenten fasting.
I did a little research, as this custom was unfamiliar to me. I learned that many liturgical traditions "buried the alleluia" in some form during Lent. (http://www.elca.org/Growing-In-Faith/Worship/Learning-Center/FAQs/Alleluias-During-Lent.aspx,
http://dsjliturgy.blogspot.com/2005/01/burying-alleluia.html)Read More Post a comment (0)
I suspect some Christ-followers are uneasy about Lent. Maybe Lent was approached in a trite or hypocritical kind of way. Maybe it comes from a misunderstanding that while we are to praise God IN all things, we don't necessarily praise God FOR all things. In fact, there may be times when we can't praise God at all! The sorrow is too deep, the grief too biting for the moment to "be joyful in God's presence." And that is OK.Read More Post a comment (3)
To be completely honest, I have not always loved the concept of Lent.
There was not an emphasis on Lent in my home or in my church. So, I usually used my peers as a barometer for the season. In out-spoken resolve they would declare what they chose to fast from; chocolate, sugar in general (highly brave), or television. Like a New Year's Resolution, the days would unfold and each one would let go of their fast well before Easter arrived.Read More Post a comment (5)
One of my colleagues recently asked, "What did you give up for Lent?" It was a harmless question, but it triggered some anxiety. Lent is easy enough to explain academically. It is a 40-day season of self-discipline that precedes Easter, a season that culminates in this coming Passion Week. It hearkens back to Jesus' 40-day fast that paved the way for his ministry. Its purpose is to sharpen our spiritual sensitivies so that we can enter into the darkness of Jesus' death and the light of his resurrection with heightened acuity. Why the frustration?Read More Post a comment (1)


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We Asked, "What makes science so cool?" The experts answered...
"Science is 'cool' because it gives the observer a framework to gauge their observations, study and experiment of phenomena encountered in the world. For example, most people understand 'cool' as something that is neat-o or keen while to the trained scientist, we rightfully recognize 'cool' as the range between 100 and 400 degrees on the Kelvin temperature scale. Hence, science is truly cool." - Clinton T. Ballinger, CEO, Evident Technologies, Inc.
"Based on my recent adventure in Antarctica, 'cool' should be obvious! But really what makes science cool isthat doing science is an expression of being human like art or poetry. Expressing the human desire to understand feels right to our nervous system." - Professor Jack Harris
"Science is so cool because it explains the world surrounding us: why you see the lightning first then hear the thunder; how soap cleans the grease off of dirty dishes; how aspirin eases the pain of a headache. Science is the foundation of everything we touch and all that touches us in our daily lives." - Margaret A. Hines, Ph.D., Manager of Nanomaterials and Advanced Projects, Evident Technologies, Inc.
"Science has everything! It's one jam-packed area filled with all the essentials! It explains everything about how and what we breathe, eat and drink. It explains why we sleep and where we live, how we reproduce, grow, live and die. In a way, science is the sustenance of a questioning learner — it provides a chance to find the answer to all of the 'whys.'- Jenny Johnson '08


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Disease Proof
Research: Healthy Breakfast, Healthier Diet
A new study in American Journal of Clinical Nutrition suggests eating a healthy, low-calorie breakfast, like fruits, vegetables and whole grains, leads to a better overall diet than gorging on a high-calorie, unhealthy breakfast, like steak and eggs or doughnuts and pastries. Participants eating a healthy breakfast weighed less than people eating a calorie-heavy breakfast or no breakfast at all; Reuters reports.
Now, for a great breakfast try some Blueberry Nut Oatmeal, Healthy Pancakes or my chocolate pudding. I eat it everyday!
I just linked to your Chocolate Pudding recipe. Chocolate pudding is one of my all time favorites--but honestly, does your concoction taste anything closely related to the real thing?
I start my mornings off with a green smoothie--heavier on veggies than fruits, but I just don't know about the cocoa, spinach, and nutritional yeast in your mixture---I'm OK with the nuts, bananas, seeds & avocado.
So be honest--is it really good?
Actually the breakfast in the illustration looks good. Kind of a no-brainer that a healthy breakfast is better for you than an unhealthy breakfast. However, Dr. Fuhrman is not in the it's essential to eat breakfast camp. He says it's fine not to eat breakfast if you are not hungry. I think the people who did not eat breakfast and weighed more just ate more junk the rest of the day.
Suite 408


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Journal Abbreviations
- All that JAS: Journal Abbreviation Sources is "a registry of websites that list or provide access to the full title of abbreviated journal titles." The sites have been categorized into broad subjects such as General, Agriculture, Biosciences, Chemistry, Economics, Mathematics, and Medicine.
- American Economic Association provides an abbreviation list which covers journals in the field of economics and related subjects.
- Canada Institute for Scientific and Technical Information (CISTI) has an online catalogue where you can search in the title option using the journal abbreviation. Covers mainly science and technology journals.
- UlrichsWeb is an online periodicals directory of more than 300,000 international periodicals including academic and scholarly journals, open access publications, peer-reviewed titles, popular magazines, newspapers and newsletters.
- Genamics JournalSeek covers journals in mainly in science with some coverage of the social sciences, including geography and psychology. Gives full title, publisher, ISSN, journal abbreviation and summary of journal coverage.
- Institute of Science Information (ISI) uses these journal abbreviations. ISI produces Arts & Humanities Citation Index, Science Citation Index, Social Science Citation Index and Journal Citation Report. The abbreviations are listed alphabetically. Maintained by Caltech Library.
- NASA Astrophysics Data System has a quick list of journal abbreviation and full title for refereed journals in the areas of physics, instrumentation and astronomy.
- NLM List of Serials Indexed for Online Users provided by the National Library of Medicine allows searching by journal name, MEDLINE abbreviation or ISSN.
- Singapore - Legal Abbreviations compiled by the C J Koh Law Library contains a list of journal abbreviations for law reports and journals published in Singapore, Malaysia and Brunei.
Printed Resources in NUS Libraries
- CASSI on CD is available at Science Library Reference Office. CASSI (Chemical Abstracts Service source index) is published by the American Chemical Society and includes the abbreviations of journals indexed by Chemical Abstracts.
- Periodical Title Abbreviations published by Gale Research and available at Central Library Information Desk and Science Library Reference Office. "Covering periodical title abbreviations in science, the social sciences, the humanities, law, medicine, religion, library science, engineering, education, business, art and many other fields."
Content updated on 15 Jun 2011


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Medina County officials want to see how another county treats addicts before deciding whether to open a treatment facility at the Medina County Jail.
County Common Pleas Court Judge James L. Kimbler met with several county officials Wednesday at the county courthouse to discuss reopening the east pod of the jail, which has been closed for about four years except for several weeks in 2012.
Kimbler has proposed turning the pod into a treatment center for addicted offenders sentenced to jail through the county and municipal courts.
Officials said they want to review a similar program in Greene County.
Medina County Sheriff Tom Miller said opening the pod would alleviate crowding at the jail while also possibly reducing repeat drug offenders.
"It would open up more beds as well as serve the rehabilitation needs we have," he said.
Miller said the jail sees about 3,700 inmates a year. He said if the program served 36 people at a time for 90-day intervals, he could divert 142 inmates a year from the general jail population.
Miller said he will take a team to southern Ohio to review Greene County's system and report back to Kimbler and others at a May 7 meeting.
Gail Houk, director of forensic services at Alternative Paths — Medina County's main drug treatment agency — said the Greene County program has a 60 percent success rate, tracking its cases for a year after release. It has no information beyond one year.
The program enrolls misdemeanor offenders for 90 days and felony offenders for six months, with separate buildings serving male and female inmates.
Unlike Miller's plan, though, Greene County inmates in the program are returned to general population of the jail at night, Houk said.
Kimbler estimated at a Tuesday commissioners meeting that the cost of staffing the reopened pod with corrections officers would be about $450,000. At Wednesday's meeting, Miller said the cost would be closer to $410,000 to $415,000.
Any cost for rehabilitation programming would be additional. Houk estimated the programming cost at about $220,000.
Kimbler has asked Medina County commissioners to help pay for the correctional staff and maintaining regular jails services in the pod and may consult the county's Alcohol, Drug Addiction and Mental Health Board for program funding, but not until officials have decided what kind of program to run.
Commissioner Stephen D. Hambley represented the board of county commissioners at the meeting.
He said they would need to see data that show the program could reduce repeat offenders and the social cost of drug addiction, but that officials had given commissioners something to think about.
"If the reduction to recidivism rates and the social cost of drug abuse could be quantified, that would help the board come to a decision," he said.
He said 60 percent of 142 inmates is a number worth considering and if finances continue to improve, the county could help at least partially.
"All things being equal with our finances, I think some reasonable accommodation could be made," he said.
Contact reporter Dan Pompili at (330) 721-4012 or email@example.com.


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Easy Ropa Vieja Stew RecipeRead Reviews Be the first to add a review
- 1 boneless beef chuck roast (2 pounds), cut in half
- 2 tablespoons olive oil
- 2 large onions, coarsely chopped
- 2 large green peppers, coarsely chopped
- 4 jalapeno peppers, seeded and minced
- 1 habanero pepper, seeded and minced
- 3 cans (14-1/2 ounces each) diced tomatoes, undrained
- 1/2 cup water
- 6 garlic cloves, minced
- 2 tablespoons minced fresh cilantro
- 4 teaspoons beef bouillon granules
- 2 teaspoons pepper
- 1-1/2 teaspoons ground cumin
- 1 teaspoon dried oregano
- 1/2 cup pimiento-stuffed olives, coarsely chopped
- Hot cooked rice, optional
- In a large skillet, brown beef in oil on all sides. Transfer meat to a 5-qt. slow cooker. Add onions and peppers. Combine tomatoes, water, garlic, cilantro, beef bouillon, pepper, cumin and oregano; pour over vegetables.
Cover and cook on low for 6-8 hours or until meat is tender. Remove beef; cool slightly. Skim fat from cooking juices; stir in olives. Shred beef with two forks and return to slow cooker; heat through. Serve with rice if desired.
Freeze option: Transfer individual portions of stew to freezer containers and freeze. To use, partially thaw in refrigerator overnight. Heat through in a saucepan, stirring occasionally and adding a little water if necessary. Yield: 8 servings.
Reviews for Easy Ropa Vieja Stew
"This smelled amazing while cooking. I wish I could have added the habanero, but couldn't because of a child. I did add the jalape?os and it wasn't very spicy at all. The kid even liked it and I didn't have to fight with him to eat. Would definitely make this again. However, this was way more time consuming than 25 minutes, unless you have a food processor. But, I wouldn't say it was difficult by any means."
"16 ingredients in a recipe labeled "easy"? Really?"
"I'm a bit surprised that most reviews were 5 star. For me, it was somewhere between fair and good. I don't dislike this recipe but I would not make it again."
"I left out the jalapenos and habanero, as we have little kids. I also left out the olives because we don't like them. Even without those, this recipe was excellent! I paired it with some cilantro lime rice and black beans. My husband grew up eating Mexican food, as his dad was born in Mexico. He (my husband) said that this tasted like something from a Mexican restaurant. He couldn't stop eating it!"


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I want to setup a web server. I'v already obtained static IP and I have debian server running with apache+nginx. And, I want to make my webserver visible from outside of the office.
Here I have following scheme of routers -
- Provider router(or modem?), which gets phone connection and gives internet to whole office.
- Router(TP-Link TL-R860) which connects to router 1.
- WI-FI Router (TRENDNET TEW-652BRP), which connects to router 2.
- Web server, which connects to router 3.
It is possible at all somehow to get what I want or for example, I need to somehow reconfigure all connections?


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Lighting Products for the Deck or Patio
Patio lighting combines function and aesthetics. It can be as simple as the traditional, wall-mount light fixture or as involved as using several lights to create a wonderful, almost surreal ambiance. Deck or patio lighting also creates a safer experience, protecting family and guests from hazards such as steps or pools.
Patio lighting fixtures are many, from wall lanterns to post lanterns to solar patio lights. Which fixtures you choose, as well as where you place them, depends largely on the chosen style of lighting. Traditionally, accent patio lighting consists of a string or strings of lights hung around the border or crisscrossing the patio or deck. This is still very much a valid source of patio lighting, one still used in patios and cafes the world round. But now there are several other ways to accent or fully light your patio or deck. These styles include:
Step Lighting
Provides for safe navigation of steps and denotes boundaries. Step lighting places fixtures beneath railings, on posts, or even recessed into the stairs themselves.
Rail Lighting
Strings or individual (solar powered?) light strategically placed beneath the handrail of a deck railing and shining down can create a very nice, softly lit border around the patio. And don't forget that with any deck lighting choice, you can go with any color you like.
Fountain Lighting
A definite plus for homeowners with fountains or landscape water features. Underwater lights, flood lights, colored lights, solar garden lights—these are all possibilities for accentuating the beauty of a water feature at night. Don't forget to use the reflectivity of water as an advantage when designing fountain lights.
A technique that highlights unique shapes within a garden or landscape (e.g., branches, sculptures). This is a great idea for plants or trees lining walls or against some other background. Simply shine a light up at the object or plant so that it will cast its shadow on the surface behind it.
Moon Lighting
No it's not a second job. It is the art of actually placing deck or patio lights up high so that they shine down through tree branches, creating the effect of moonlight.
Articles related to Lighting Products for the Deck or Patio
- Hammocks Bring Ultimate Relaxation to the Deck or Patio
- Heat Lamps, Providing Year-Round Comfort on the Deck
- Create Ambience with an Outdoor Fireplace
- Tips on Buying Outdoor Furniture
- Awnings, a Valuable Asset to the Deck or Patio
- Brick Pavers for Stylish Decks and Patios
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Jun 20, 2014 10:45 AM
Don't get us wrong - we're Team USA. But two fully red, white, and blue sale round ups in a row? Let us live a little. Don't see your favorite team represented? There's more where this came from; poke around these sites to find equivalent garb for other countries.
Old Navy Flag Graphic Tank ($4 on sale)
GOOOOOOAL!! Shirt ($19 with code SECRET5OFF)
World Cup Billy Berg Socks (3 for $20)
Futbol Pride Brazil Sticker ($5 with code STICKERS4YOU)
Nike Graphic All Time Full-Zip United States Olympic Team Womens Hoodie ($40 on sale)
Our mothers told us to avoid looking cheap, but we can't help but think frugality is flattering. Does This Make Us Look Cheap? is your Friday dose of sale items to snag over the weekend - because being a tightwad doesn't mean you don't have taste.
If you've got a product or service that you'd like to promote on Outblush, click here to find out about our advertising opportunities.
Outblush is a blog for girls who love to shop. Our staff digs up the best clothes, home stuff, beauty items, and more. New items are posted every day — bookmark us and check out:


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Angie Everhart is a supermodel and actress who lives in Los Angeles and took the plunge to be on "Celebrity Wife Swap." The accomplished entertainer might be thinking twice about doing this is the future as the star reveals some interesting peccadillos about her life. According to Celeb Dirty Laundry on Tuesday, the supermodel changed up her routine for a week to live in Memphis and swap with Gina Neely.
Angie Everhart has two kids and is active in working in the entertainment business. Her boyfriend Carl runs a healthy meal delivery service that provides low-calorie, pre-packaged meals to its clients, as well as providing all of the meals to this family. When it comes to caring for the children, Angie and Carl split duties, with Angie taking the lead with her son Kayden and Carl with his daughter Joann.
The Food Network Stars and best-selling authors Pat and Gina Neely live in Memphis, and they too are heavily involved in food. Married almost 20 years and star in the show "Down Home with the Neelys." As a couple that lives and works together, Pat and Gina spend a lot of time together.
When it's time for the swap, the viewers are going to see a shocker. Angie arrives in Memphis stocked with her pre-packaged meals. This leaves Pat with a shocking impression as he wonders why anyone would bring their own food! Quickly, the supermodel reveals that she not eat fried foods and she spends an awkward first evening. Tensions really flare later in the week when Angie is taxed with helping Pat prepare dinner for a local food critic. With the stress and pressure rising, Pat and Angie hit a boiling point.
Gina doesn't seem to be doing much better back in Los Angeles. She is finding it hard to adapt to the whole pre-packaged meals routine, as well as the way Carl and Angie delegate responsibilities with their respective children.
When it's time for rules change, the ladies throw the rules out the door. Angie arranges a group dinner at a local restaurant so they can all spend time together, without the work of cooking an elaborate meal. Angie also shares some of her modeling tips with Pat during a surprise photo shoot. Gina is determined to get rid of the pre-packaged meals and get Angie's family cooking together, so she plans a BBQ. Gina also wants to see the parents work together with the kids and puts together some additional nighttime activities.
Fans who love Angie Everhart (or want to check out her obsession about pre-packaged foods) should tune into "Celebrity Wife Swap" airing Tuesday at 10 p.m. on ABC.


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Their new reality series depicts an extremely strained relationship, but are Tori Spelling and Dean McDermott getting closer to a happy ending? The couple, whose marriage has been on the rocks since McDermott's admitted affair with a Toronto woman last December, spent Saturday together getting Thai massages and lunch in Los Angeles, according to a report from E! News on May 3.
A source said the McDermotts were "very sweet and affectionate" with each other, holding hands throughout the day. They had lunch together at The Infield restaurant in Encino.
The romantic date day comes just a week after Spelling was hospitalized for six days for undisclosed reasons. While the details of the actress's medical scare have been kept closely under wraps, cameras reportedly followed her to the hospital to document her entire medical drama, and it will play out on a future episode of the couple's Lifetime reality series, "True Tori." Us Weekly reported that the stress of Spelling's personal life played a role in her hospital stay.
"True Tori" cameras have been documenting the couple's damaged relationship in almost-real time in the aftermath of McDermott's highly publicized Toronto fling, but production of the reality show had to briefly shut down following comments the actor made about having suicidal thoughts. In the most recent episode of the show, Spelling expressed concern over the father of her children (the couple have four kids together: Liam, 7, Stella, 5, Hattie, 2, and Finn, 1) talking about his suicidal tendencies with the cameras rolling.
While the weekend massages and hand holding paint a rosier picture for the couple, Spelling has been upfront about the fact that her story may not have a happy ending.
In a recent post on her website, she defended the choice to air her dirty laundry on TV, and even acknowledged that it could end badly: "I needed the chance to tell my own story," she wrote. "At the moment, I don't know if it will have a happy ending. But I need to get my voice back, and this is my way of doing that."
"True Tori" airs on Tuesdays at 10 p.m. on Lifetime.


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attention throughout the day.
We are delighted to offer an all inclusive wedding package, available for all weddings booked with a minimum of 50 guests attending. Children under 5 years of age are complementary.
Minimum 50 guests.
Choose Macdonald Cardrona Hotel, Golf & Spa for your special day. This package promises to make your day one to remember.
Minimum 60 day guests
Why restrict your wedding celebrations to just one day? The Macdonald Cardrona Hotel is the ideal destination for your guests to extend their stay and make a weekend of it. Add on a private dining experience for your friends & family the night prior to or the night after your wedding.
The package is based on a minimum number of 20 residents and is subject to availability.
Guests extending their stay to 2 nights or more will receive the following benefits:
£39.50 per person
Rocket Leaf Salad & Aged Balsamic
Filled with Spicy Haggis, Whisky & Grain Mustard Sauce
Red Berry Compote & Chantilly Cream
39.50 per person
with Piccalilli
Filled with Woodland Mushroom & Spinach Mousse, Sherry & Tarragon Sauce
with mango sauce
£41.00 per person
Bound in Lemon & Lime Crème Fraiche, Rocket Leaf Salad & Wholemeal Bread
Apple Tart Tatin & Calvados Jus
Strawberry Compote & Drambuie Cream
£41.50 per person
Red Onion Marmalade
Yorkshire Pudding & Red Wine Gravy
Redberry Compote & Raspberry Ripple Ice-Cream
Simply add £3.75 supplement for Soup or £3.00 supplement for
Sorbet to your menu price.
Crisp Croutons
Chive Crème Fraiche
Chilli Crème Fraiche
Crème Fraiche
£14.00 per person
Half portion of adults menu also available at half price.
from £39.50 per person
Choose one starter and one dessert to accompany your carvery
main course. Starters & desserts will be served to the table
and then each table will be invited up to the carvery individually
for their main course.
Choice of Roast Beef & Turkey or Ham - £39.50 per
Choice of all 3 Meats from Carvery - £44.00 per person
Sunblushed Tomato & Cucumber Salad, Lime & Caper Dressing
Combination of Soft Fruits in a Cardamon & Citrus Syrup
with caramelised pineapple
with Yorkshire Pudding
with Skirlie and Cranberry sauce
Butterscotch Sauce & Dairy Ice-Cream
£2.00 per canapé
A selection of canapé to be offered to your guests during the
drinks reception.
There is a minimum of 2 canapés per person.
A minimum of 80% of your guests must be catered for.
Choose from:
Smoked Back Bacon
Outdoor Reared Pork & Parsley Sausage
Free Range Fried Egg
£7.50 (2 items per person)
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Scotch Pie
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Pork Pie
Lasagne Pie
Tattie Pie
Choose from:
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Selection of Pizzas
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Spicy Free Range Chicken Drumsticks
£7.50 per person
Minimum of 40 guests
Mull of Kintyre Cheddar, Somerset Brie, Dunsyre Blue, Spiced Pear Chutney, Celery & Savoury Biscuits
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The Ethics of Pirating Games
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Join Date
: Sep 2007
: 7
Let me expand on the painter argument a bit (with me making a few assumptions on how the law works): Let's say I decided to purchase the Mona Lisa. After purchasing it I decide that I'm going to leave it in my basement, and forbid anyone to display a copy or even download a copy from the internet. Anyone who had purchased a copy in the past is free to sell the original, but no new copies are allowed to be made. This would make it very difficult for anyone who hasn't seen the Mona Lisa to ever see it, or for art fans who weren't quick enough to purchase a copy when it was for sale from ever owning a copy. And if everyone abided by the law, slowly but surely all copies would start to disappear (as they get lost or kids spill grape juice on them). If that is within my legal rights, is it morally right for me to deny the world the Mona Lisa (which would be very important to some, but not to me :P), just because I can? And if someone wants to break that law and download a copy, is it any worse (morally) than what I was doing?
(And yes, Monkey Island = the Mona Lisa in historical significance!)
I believe that in the case of old software it is morally wrong to deny people the enjoyment of it just because there is a thousand to one chance they might want to bring back the franchise, and all those copies floating around may somehow hurt that (I'm really not sure how they would. Just because you allow people to freely download your software doesn't mean you are allowing people to steal the idea and characters and re-sell them).
I think we could go back and forth on this issue for quite some time, but I think we'll have to agree to disagree on this one. But let me make an attempt at summarizing our discussion:
We both agree that pirating software is illegal, period. No argument there. However I believe that in the case of software which is impossible to buy new (and likely NEVER to be possible), it is not morally wrong to download them. You (Joshi) believe that it is merely a fuzzy moral area, and likely still should be considered wrong.
What do you think?
As an aside, I didn't reach my morality conclusion simply because I don't want to bother hunting something down, and would rather just download it for free. When Sierra decided to release it's old classics in collections recently, I found a Futureshop store that actually carried them and bought them, even though it is particularly easy to download the "Quest" series' on the net. Not that that makes me a wonderful person, but I wanted to make sure I'm not coming off as someone who is just simply cheap and trying to justify his actions.
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A large number of Facebook users are angry at the social giant after a decision to remove messaging from their native app, requiring everyone to download the Messenger app if they wish to chat with friends. The Messenger app only has 1 star on the App Store as a result of this, and that's coming from nearly 10,000 reviewers. Users are complaining that they don't want two seperate apps on their device to use one social network.
Invasive Terms
The Messenger app agreement terms inform you that it can access your photos, videos, and even record you while you're talking. But that's not all. It can also send SMS to your contacts as it wishes.
To make things clear − your privacy is being backdoored at no cost to you.
Waste of Space
As if the 63MB size of the regular Facebook app wasn't enough, now you must install another 35MB on your hard drive.
That's almost 100 megabytes of space allocated to Facebook on your phone. Absurd!
User Thoughts
Here's what users have to say about Facebook and their Messenger app.
Do your research before downloading the new @facebook messenger app. Tons of personal security breaches. Hope a class action suit hits them
— Anthony DiMoro (@AnthonyDiMoro) August 8, 2014
Evil #facebookmessenger will Read your phone's call log, including info about incoming and outgoing calls.
— Custos (@JCos01) August 9, 2014
Delete Facebook messenger from your phone guys!! #Facebook can actually record and video you when and wherever they want to with this app
— Jasmine May (@JASMINE_MAY1) August 9, 2014
Don't Download Messenger
Data hungry Facebook wants you to give in and install the Messenger app. Here's advice from me and from the app reviewers: don't download the app.
Facebook will give in sooner or later with those kind of reviews. In the meantime, you can send SMS messages to your buds, or find another messaging app tailored to your needs.


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Price: $34.95
Parents and kids will have fun learning about geography together with this challenging electronic game. Listen to all the fun facts, then test your knowledge. With more than 5,000 quiz questions, curious kids will be geo-experts long before they've gotten to the end.
WARNING: CHOKING HAZARD-Small Parts. Not for children under 3 years.
(based on 6 reviews)
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(2 of 2 customers found this review helpful)
Great for Elementary Schools
By Haleema the Teacher
from Evergreen Park, Illinois
Comments about Around the World Electronic Game:
Very good for teaching,homschools and schools.This is for all ages and adults too, who don't know about geography.
Bottom Line Yes, I would recommend this to a friend
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(1 of 1 customers found this review helpful)
The children loved these.. (6 year olds)
By RAINY
from SEATTLE, WA
About Me Parent
(3 of 3 customers found this review helpful)
Great item
By JM who cares
from Richland Hills TX
About Me Child Care Provider, Educator
This is the best way to encourage a child and adults to learn geography which, sadly is not a favorite to many...Beautifully entertaining.Very clever gift as a teaching tool.
Good Information on Only 18 Countries
By Traveling Grandma
from Troy, NY
About Me Grandparent, Traveler
We gave this as a gift to our 6-year old granddaughter who is very interested in travel. She was enthralled by the gift and played with it even while other presents were left unopened, but it did not take long for her to mention countries that weren't featured among the 18 included in the game. The omissions included countries in our family's heritage, such as Greece and Norway, and places we've recently visited, such as Peru. In the end, she was disappointed.
Bottom Line No, I would not recommend this to a friend
(13 of 15 customers found this review helpful)
Poor Choice
By Alli
from Poquoson, VA
About Me Educator, Parent
This was advertised as electronic so I was expecting something similar to an electronic game with various pictures of different countries as information on countries was reviewed. The plastic case had a world map glued to it and that was it! It would be very boring for a 7 year old and up who are familiar and enjoy electronic games. Instruction would be needed with younger children for them to get anything out of it. I am unsure it would hold up since the world map is just glued on.
(8 of 9 customers found this review helpful)
Excellent for kids and adults
from New Jersey
I play this with my 2 and a half year old twins. They love it and know all of their countires in just a few weeks of playing. Even their nanny has commented on how she is learning the map also. At this age my kids just have fun pressing the buttons but if i ask them where Kenya is they can tell me without even thinking about. All of my friends and family are amazed.


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Due to spam and off-topic content, these forums are being phased out and replaced with new great books forums. Please join us!
Posted by hollis sibal on July 13, 1999 at 11:54:18:
In Reply to: I Need a copy of any Gabriel Marcel's philosophy books (era. 1940 to 1960) in english or french please!!!! posted by Jason Ball... on May 11, 1999 at 10:06:40:
: I need a copy of Marcel's "Presence and Immortality" and creative fidelity
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LEXINGTON, KY (April 8, 2015) – Speedway Stable's Hard Not to Like will attempt to become the second repeat winner of the $300,000 Jenny Wiley (G1) on Saturday...Read More
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Soy Milk – Milk solids blended with natural Soy protein. A favorite among nutrition experts, Soy extract is the perfect bath additive. The proteins, amino acids, and lipids found in this high-powered bean allow for rapid hydration and cell regeneration.
A luxurious gift set of Archipelago Botanicals contains:
Reusable Scrubbing Puff (Recommended daily use to keep skin exfoliated and healthy)
Archipelago Botanicals Soy Milk Bath Salts (8 oz. / 240 g)
Archipelago Botanicals Milk Body Wash (4 oz. / 118 ml)
Ingredients: Please see individual items
Disclaimer: Ingredients are subject to change at the manufacturer's discretion. For the most complete and up-to-date list of ingredients, please refer to the product packaging.
If you need any help for applying these offers or any other issue please call us toll-free at 1-866-830-6161.


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Duck Showtimes and Tickets
Read Movie Reviews about Duck Write a Movie Review for Duck
Release Date: 2007-05-11 (NY/LA)
Genre: Drama,
Rating: NR
Duration: 1hr 39min
In 2009, when Los Angeles' last city park is closed to the public, a dispossessed man and the duck who follows him as a mother quest west, on foot, in search of water and meaning, in the desert that is L.A. Arthur is a retired history professor who has outlived his time and place, friends and family, resources and reasons to live. In the park where his son and wife are buried, Arthur contemplates putting an end to his own life, when he is confronted by an orphaned duckling who has just escaped death. Arthur names this duckling Joe. Joe follows Arthur, the only mother he knows. When their park is landfilled and their pond is drained, Arthur and Joe engage in a Sisyphean struggle to survive, seeking a means to live, a place to live, and a purpose to live, in a world where their lives are not valued. In their search, Arthur and Joe encounter a host of strangers--some hostile, some helpful, some heroic--until, finally forming a community and a home. If we are but six degrees of separation from one another, are we as few to being alone?
Cast and Crew
- Starring
Philip Baker Hall, French Stewart, Bill Brochtrup, Bill Cobbs, Amy Hill, Noel Gugliemi, Larry Cedar
- Directed by Nicole Bettauer
- Produced by Nicole Bettauer, Domini Hofmann
- Written by Nicole Bettauer
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State of the position
The competition for the New Orleans Saints' left tackle job is wide open heading into training camp after the team opted to let two-time Pro Bowl selection Jermon Bushrod leave for the Chicago Bears in free agency. Fourth-year pro Charles Brown will get first crack at the role since he's been in the Saints' system the longest. But the former second-round pick out of USC needs to prove he can stay healthy after being plagued by a variety of injuries throughout his career so far.
Newly signed veteran Jason Smith also is hoping to resurrect his career with the Saints. The former No. 2 overall draft pick never lived up to his potential with the St. Louis Rams, both because of inconsistent performance and a series of concussions. He was solid as a backup last year with the New York Jets.
And don't count out rookie third-round draft pick Terron Armstead. He's the long shot of the group since he's a rookie from a small school (Arkansas Pine-Bluff). But he's a sensational athlete, and the Saints have proven in the past that they will throw small-school rookies into the fire if they outshine their veteran teammates during the preseason.
At right tackle, veteran Zach Strief appears to be more firmly entrenched. But he had a disappointing season in 2012, battling injuries and a handful of poor performances. So he needs to prove he's back on track during camp, or else he could risk losing his job to one of several promising young candidates on the roster. All of the left tackle candidates could cross over to the right side. The Saints also love the potential of second-year pro Marcel Jones. And second-year pro Bryce Harris looked decent in a brief audition with the Saints last year.
Unofficial depth chart
No. Player Ht. Wt. Age Exp. College
Left tackle
71 Charles Brown 6-5 297 26 4 USC
78 Jason Smith 6-5 310 27 5 Baylor
72 Terron Armstead 6-5 304 22 R Arkansas-Pine Bluff
Right tackle
No. Player Ht. Wt. Age Exp. College
64 Zach Strief 6-7 320 29 8 Northwestern
70 Marcel Jones 6-7 320 24 1 Nebraska
79 Bryce Harris 6-6 300 24 2 Fresno State
The Saints took a big gamble by letting Bushrod go in free agency. Although many NFL analysts seem to agree with the Saints that he was more a product of the system than an elite left tackle, I think he was underrated as an athletic and durable big man who held up consistently for a team that threw the ball so often.
The Saints, however, chose to invest their big dollars in both of their guard spots rather than follow the conventional wisdom that left tackle is the most critical position on the offensive line. And they're banking on the potential of three candidates who all have intriguing upside.
If I had to choose a favorite in the left tackle derby, I'd go with Brown. I think the Saints want him to step up and win the job because they like his skill set, and he knows the offense best. But there's no way to predict whether his body will hold up to a full workload after he's struggled to make it through a full month of regular snaps at any time in the past. The good news is that none of the injuries has been serious, and they've all been mostly unrelated.
If I was a gambler, however, I might place a bet on Smith at slightly longer odds. The natural talent and athleticism is obviously there. He has now been healthy for a full two years after battling some serious concussions. He's now been removed from the intense pressure that comes with being that No. 2 draft pick. And if it's true that the Saints' offense made Bushrod look better by design, then it could possibly do the same thing for Smith.
Armstead is probably the future at the position, and he could absolutely win the job if he outplays his veteran teammates. But I think it's more realistic that he'll be on a two- or three-year plan (think Bushrod or Strief instead of Jahri Evans).
As for the right tackle spot, I'm still higher on Strief than most because I think he ran into injury issues and the same offensive stresses that made everyone have a "down year" on the Saints' offense. I think he'll keep the job and get back to being a solid producer.**************
Mike Triplett can be reached at firstname.lastname@example.com or 504.826.3405.NOLA.com Saints coverage on Facebook


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Female golfers from around the world gathered together during the first round of the LPGA LOTTE Champtionship on Wednesday. The tournament, presented by J Golf, is being held at the Ko Olina Golf Club in Kapolei, HI.
According to the tourney's website, the championship green is a playground for "144 of the world's finest female players competiting for a share of the $1.7 million purse."
The four-day tournament features a 72-hole stroke play and will conclude play this Saturday. As of publishing, golfer Beth Bader leads the pack to victory. To catch the tournament on the tube, fans can tune into the Golf Channel and its affiliates, reportedly reaching 610 million households in 79 countries.
For those simply interested in the hot female golfer snapshots and on-the-green fashion, check out the slideshow here for a quick n' click glance at the competition of the LOTTE Championship.


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Far too often people come to me for help loaded with all sorts of assumptions, emotional baggage, and guilt about their financial situation. They feel that it is immoral to consider some options and instead set themselves up for long term failure by not knowing all the facts.
They launch into five to ten year repayment plan that leave them in unsafe and financially dangerous positions because they are afraid that options like bankruptcy are not biblical. But is your God one of love, forgiveness and understanding or punishment?
So what does the bible really say about this?
Here is what Carl Starrett, a bankruptcy attorney in California says.
"I am often asked what the Bible says about Christians filing for bankruptcy and it a serious spiritual struggle for many. Christians often struggle with feelings of guilt that creditors will not be repaid. Others feel that they have failed God by not being good stewards with their money. Others believe that the Bible condemns bankruptcy.
Actually the Bible expressly grants permission for Christians to file bankruptcy: "At the end of every seven years you shall grant a release of debts. And this is the form of the release: Every creditor who has lent anything to his neighbor shall release it; he shall not require it of his neighbor or his brother, because it is called the LORD's release" (Deuteronomy 15:1-2).
A number of Old Testament and New Testament passages discuss concepts of sin, mercy, forgiveness and equity but bankruptcy is biblical and spiritually available to Christians.
However, the ultimate decision to file for bankruptcy and the type of bankruptcy to file must still be made after prayerful consideration to seek guidance from from God regarding what decision he would have you make."
Is Bankruptcy Scriptural
What does the Bible say?
Many Christians feel guilty about seeking to file for bankruptcy protection. They feel guilty because they ran up large debts on their credit cards and now are unable to pay back the money to their creditors. Some Christians feel bad that their creditors will not be paid. Others have heard that the Bible condemns bankruptcy. Yet before we begin, it is important for us to define what is meant by the term "bankruptcy"; then, we can critically examine what the Bible tells us.
In the United States of America, our founding fathers recognized the importance of bankruptcy. In the U.S. Constitution, they provided our government with the right to make bankruptcy laws. The bankruptcy laws and procedures we have today, instituted by our federal government, provide relief for overburdened debtors. Persons/entities who are over-their-head in debt can get a fresh start. Normally, a bankruptcy will discharge the debtor's obligation to repay some or all debts.
Bankruptcy contemplates the "forgiveness" of debt. The Bible, likewise, contains debt forgiveness laws. Under U.S. law, a debtor may only receive a discharge of debts in a Chapter 7 bankruptcy once every eight (8) years. Under Biblical law, the release of debts came at the end of seven (7) years.
"At the end of every seven years you shall grant a release of debts. And this is the form of the release: Every creditor who has lent anything to his neighbor shall release it; he shall not require it of his neighbor or his brother, because it is called the LORD's release" (Deuteronomy 15:1-2).
The Bible refers to debt as a type of bondage: "…the borrower is a slave to the lender" (Proverbs 22:7). Thus, the debtor is a slave to the creditor. Interestingly, the Bible declares, at the end of the sixth year:
"…in the seventh year you shall let [your Hebrew slave] go free from you. And when you send him away free from you, you shall not let him go away emptyhanded; but you shall supply him liberally from your flock…" (Deuteronomy 15:12-14).
Modern bankruptcy laws, like the Biblical provision above, allow debtors to keep certain property when they file bankruptcy. This gives debtors a fresh start and discourages debtors from going into debt-bondage again, after the bankruptcy is over, in order to survive.
Jesus taught us that sin is a type of spiritual debt. Jesus also taught us to ask God to "forgive us our debts [sins] as we forgive our debtors [those who sin against us]" (Matthew 6:12, Luke 11:4). Sin creates a spiritual debt. Borrowing produces a financial debt. Regarding our spiritual debt, the law of justice declares: "the wages of sin is death [separation from God]" (Romans 6:23a). However, the law of grace and mercy states that "the gift of God is eternal life in Jesus Christ our Lord" (Romans 6:23b). Jesus paid for our debt of sin on the cross, a debt too big for us to pay.
Likewise, economically, the law of justice states that if you agree to borrow money and repay the debt, you must pay back such debt. The law of mercy, on the other hand, states that if you cannot pay the debt back, you may, through bankruptcy, obtain forgiveness for your obligation.
As with any act of mercy, someone must bear the cost or the burden, just as Jesus did in dying for our sins. With bankruptcy, the creditor and ultimately the consumers must, in mercy, bear the burden of the unpaid debt, but God said He will bless us for such acts of forgiveness and mercy (Deuteronomy 15:5,10,18).
Jesus, in two (2) parables, used the illustration of forgiveness of a financial debt to teach about God's forgiveness and the requirement that mankind forgive (see Matthew 18:21-35 and Luke 7:36-50). "And when they had nothing with which to repay, he freely forgave them both" (Luke 7:42). On a spiritual level, by the grace and mercy of God, Jesus gave us a "fresh start" by canceling all our "sin" debts through His suffering and death on the cross. On an economic level, our nation will graciously help overburdened debtors, if necessary, by giving them a fresh start economically.
A guiding principle of U.S. bankruptcy law requires persons who file for bankruptcy to have "clean hands." Accordingly, a debtor may not be freed from debts involving fraud, drunk driving, and deliberate wrongdoing. Moreover, bankruptcy law does not allow the discharge of child support and alimony debts. Further, most student loans, taxes (Romans 13:1,4,7) and secured loans are not forgiven in bankruptcy. Through these restrictions, bankruptcy laws seek to balance justice and equity (Proverbs 1:3).
As with most biblical principles, there is a balance. If you can repay your debts, you must. If you cannot, then you should determine how God would have you freed from the bondage of debt. Our modern bankruptcy laws were derived from the Bible (Deuteronomy 15:1-2). Further, the Bible describes financial miracles (2 Kings 4:1-7). Ultimately, you must seek wisdom and guidance from God as to the direction He would have you choose. God promises to give such wisdom to those who ask with a trusting heart (James 1:5-7; Proverbs 3:5-6). Further, the Bible admonishes us to seek Godly counsel (Psalms 1:1; Proverbs 12:15, 11:14, 15:22).
If you have mismanaged your finances, confess your failings to God now. You can receive, by faith, His forgiveness and cleansing (1 John 1:9). Remember, there is no condemnation or guilt to those who are in Christ Jesus (Romans 8:1). Jesus, by His love and mercy, gave us a fresh start, a new birth. Bankruptcy, based on the law of mercy with divine origins, if necessary, may provide you with a fresh start – a new and brighter economic outlook.
Source: Matthew B. Tozer and Ben E. Lofstedt
Get Out of Debt Guy – Twitter, G+, Facebook
Need More Help?
P.S. Others have offered the following thoughts on this subject as well.
Consider: "Then he said to them, 'Therefore render to Caesar the things that are Caesar's, and to God the things that are God's.' " (Matthew 22:21). The New Testament is not my strong suit, but if Ceaser (the U S Government) is ok with bankruptcy in a secular context, you can not render unto Ceaser what Ceaser says you don't have to render. – James Rubenstein
FREE – How to Get Out of Debt Guides
Below you will find many of free guides and articles that address specific issues about debt and getting out of debt. But before you head off to those posts I'd like to invite you to read How Do I Get Out of Debt Quickly? Change Your Mindset. It is a very important post that addresses how to have the right mindset to best tackle your situation.
Important General Get Out of Debt Advice
- The Get Out of Debt Guy 8 Easy Steps to Eliminate Your Debt Checklist
- How Do I Get Out of Debt Quickly? Change Your Mindset.
- How to Get Out of Debt. The Honest and Unvarnished Truth.
- The Truth About The Success Rates, Failure Rates and Completion Rates of Credit Counseling, Debt Settlement, and Bankruptcy
- There is Life After Debt and It's Awesome
- Debt Related PTSD and Financial PTSD Quietly Hurts Many
- How Do I Get Out of Debt? – Simple.
- Debt and the Theory of Dissaving. Why You Need to Take Action.
- What Repaying Your Debt Will Cost You in Retirement – Calculator
- The Universal Secret to Dealing With Debt
- Dealing With Debt – It's All Bullshit
- The Saddest Avoidable Mistake People Make When Getting Out of Debt
- Debt Got You Down? Read This and Get Back Up.
Bankruptcy Articles and Posts You Must Read
To get ready to read the information below with the right frame of mind, please first read How Do I Get Out of Debt Quickly? Change Your Mindset.
Bankruptcy Advice
- Those That File Bankruptcy Do Better Than Those That Don't
- How to Know if You Should File Bankruptcy
- So You Are Going to File Bankruptcy. That's Great News. Congratulations.
- Easily Rebuild Your Credit After Bankruptcy
- The Truth About Bankruptcy Success Rates
- How to Get Out of Debt Calculator
- How Avoiding Bankruptcy Can Backfire
- How Long After Bankruptcy Can I Buy a House?
- Is Bankruptcy Sinful and Bad or Right and Moral? An Examination
- What Does the Bible Say About Bankruptcy? Is Bankruptcy Scriptural?
- How to Get Out of Debt. The Honest and Unvarnished Truth
- The Emotional Seven Stages of Debt
- Getting a Job After Bankruptcy
- Chapter 7 Bankruptcy – What is the Truth?
- Low Cost / Pro Bono Bankruptcy Resource Locator
- Bankruptcy Should Be the Last Resort Many Say. But That's Just Not True
- The Ethical Considerations of Bankruptcy
- Is Bankruptcy Right For Me?
- 14 Reasons You Should Not Avoid Bankruptcy
- How to Really Discharge Your Student Loans in Bankruptcy. Many Can. But Never Try.
- Life After Bankruptcy: How to Quickly Have Great Credit and Dumb Mistakes to Avoid
- How to Find a Great Bankruptcy Attorney
- You Have Not Failed if You File Bankruptcy
- The Saddest Avoidable Mistake People Make When Getting Out of Debt
Life After Bankruptcy
- How Long After Bankruptcy Can I Buy a House?
- How to Rent a Lovely Home or Apartment After Bankruptcy
- Life After Bankruptcy – The Truth
- How to Easily Rebuild Your Credit and Have Good Credit Again After Bankruptcy
Filing Bankruptcy Yourself
Budgets and Budgeting
Calculators and Tests
Credit Counseling
Credit Score / Credit Repair Advice
Debt Collector Help
- Four Magic Words to Get Out of a Debt Collector Lawsuit
- How to Dispute and Ask a Debt Collector to Validate a Debt
- How to Deal With The Debt Collector
- Most Debt Buyer Lawsuits Foiled By Inability To Prove Debt Owed
- Hooray, You Are in Collections! The Debt Collector is Calling. The Debt Collector is Calling.
- Having Problems With a Debt Collector. Legal Help Available Here.
- Debt Collection Form Letters to Stop Debt Collectors in 5 Different Situations
Debt Consolidation Loans
Debt Relief Program Issues or Problems
- How to Try to Get a Refund From a Debt Relief Company
- How to Avoid Getting Scammed When Getting Debt Help
- The Ultimate Consumer Guide to Checking Out a Debt Relief Company Before You Sign On the Line
- 10 Must Do Steps to Find the Best Credit Counseling or Debt Settlement Company for You
- How to Check Out a Business or Company to Avoid Getting Scammed or Ripped Off
Debt Settlement Advice
Identity Theft Advice
Life After Debt
Mortgage Help
Be sure to first read How Not to Get Scammed by a Mortgage Loan Modification Company.
Debt-to-Income Calculator
First you'll need to determine your current debt-to-income ratio. The target debt-to-income ratio under the Home Affordable Modification program is 31%. Use this free online DTI calculator.
Mortgage Modification Calculator
The mortgage modification eligibility calculator will ask you several questions and then show you which programs you may be eligible for.
The free mortgage modification calculator can be found here.
Free Mortgage Modification Help and Counseling
If you have questions about the process or eligibility you can call 888-995-4673 and get connected with an mortgage modification adviser for free. This help is provided by government subsidized HUD Housing Counselors and they can be a big help in navigating the modification process.
In order to assist you, the housing expert will need to gather some information from you. Have the following documents handy:
- Information about your first mortgage, such as your monthly mortgage statement.
- Information about any second mortgage or home equity line of credit on the house.
- Information about the monthly gross (before tax) income of all household members contributing to pay the mortgage, including recent pay stubs if you receive them or documentation of income you receive from other sources.
- Information about your savings and other assets.
- Account balances and minimum monthly payments due on all of your credit cards.
- Account balances and monthly payments on all your other debts such as student loans and car loans.
- Your most recent income tax return.
- It may also be helpful to have: A letter describing any circumstances that caused your income to be reduced or expenses to be increased (job loss, divorce, illness, etc.), if applicable.
You can also get free help and housing counseling from a local HUD approved counselor. You can find your local free housing counselor, here.
Contact Your Mortgage Company
Not sure if your mortgage company offers modification programs? Not all do. You can contact your mortgage company to ask them about mortgage modification programs you might be eligible for. Click here to find your mortgage company.
NPV Calculator
Want to know the net present value (NPV) of your home for the mortgage modification process? No problem, use the free NPV calculator to find out. The NPV calculator is right here.
The calculator can be used by homeowners who have been denied a HAMP modification because of their NPV result or can also be used by homeowners prior to applying for a HAMP modification to help them better understand the NPV evaluation.
No Advance Fees
The Federal Trade Commission has a Mortgage Assistance Relief Services Rule which prohibits advance fees for mortgage rescue services or mortgage modification help.
Repossession Advice
Saving Money
Student Loan Resources
You can use the following student loan resources to help reorganize, discharge or forgive your student loan payments.
The Overall Guide to Dealing With Student Loan Debt
Get Help For Your Student Loan Problem
Discharge Your Student Loans in Bankruptcy
- How to Really Discharge Your Student Loans in Bankruptcy. Many Can. But Never Try.
- A Look at Sallie Mae and Other Student Loans Discharged in Bankruptcy in 2012
- Federal Student Loans Discharged in Bankruptcy. A Look at the Surprising 2012 Data and Cases.
- These Private Student Loans Can Be Easily Discharged in Bankruptcy
- All Student Loan Bankruptcy Discharge Articles
Getting Sued Over a Student Loan
Private Student Loan Help
- Top 10 Reasons You Should Stop Paying Your Unaffordable Private Student Loan
- Private Student Loan Lenders Silently Slash Debt But You Don't Know It
Student Loan Default
Student Loan Forgiveness and Discharge Information
- The Ultimate Guide to Dealing With Student Loans You Can't Afford
- Obama Student Loan Forgivess Program
- Military Student Loan Forgiveness and Discharge Programs
- Student Loan Forgiveness or Discharge Can Create a Huge Tax Bill. Watch Out!
- Student Loan Public Service Loan Forgiveness – New Forms and Documentation Released
- Government Student Loan Disability Discharge
Watch Out for Student Loan Assistance Programs
- Student Loan Assistance Rescue Scams On the Rise – Buyer Beware
- Student Loan Assistance Report Out. Shows Danger of Such Programs.
Administrative Wage Garnishment
Student Loan Consolidation Information
- Student Loan Consolidation Payment and Interest Rate Calculator
- Student Loan Consolidation Opportunities and the Best Way to Lower Your Student Loan Payments
- Federal Direct Consolidation Loan Online Calculator
Specific Federal Student Loan Repayment Program Information
- Standard Repayment Plan
- Graduated Repayment Plan
- Extended Repayment Plan
- Income Based Repayment Plan
- Pay As You Earn Repayment Plan
- Income Contingent Repayment Plan
- Income Sensitive Repayment Plan
Maybe College Isn't the Answer


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In an effort to grow the game and increase exposure in the Hoosier state, Lacrosse Roads of America has begun covering high school lacrosse. This is our final regular season poll.
Poll Notes:
Culver's prep team is not included in either the coaches top 10 or the LRA top 10. Culver's in state team did receive votes this week.
The LRA top 10 is ranked by IU coaches.
Not every coach voted, although all coaches were invited to vote.
Carmel finishes the season as #1. The same place they began the season.
Coaches' Poll
1. Carmel (unanimous)
2. Zionsville
3. Cathedral
4. Noblesville
5. St. Joseph's
6. Hamilton Southeastern
7. Chatard
8. Center Grove
9. Culver
10. Brebeuf
LRA Poll
1. Carmel
2. Zionsville
3. Cathedral
4. Noblesville
5. St. Joseph's
6. Hamilton Southeastern
7. Center Grove
8. Chatard
9. Westfield
10. Brebeuf
Have you seen the state playoff bracket?
What's the best first round game?