text:
The Canadian Safe Boating Council: Glass
One drink can change everything. Don't drink and boat.
Advertising Agency: Saatchi & Saatchi, Canada
Executive Creative Director: Brian Sheppard
Group Creative Directors: Matt Antonello, Joel Arbez
Copywriters: Matt Antonello, Kelly Finnamore
Art Directors: Joel Arbez, Christian Buer
Photographer: Philip Rostron / Instil Productions
13 comments
Awesome creation... I Love it.
Designer Don't Do Different Things
They Do Things Differently
Just out of curiosity, what would you have done to better this execution?
It's in the details. The small ones. Example: I don't like the interaction between the liquid and the boat. The boat do not feel integrated enough for me. The lighting also feels weird on the tip of the boat. Also, I'm not certain about the infographic. The art represent something hard, dangerous and also catastrophic. I feel they go in two different directions.
I don't know you and we might have different opinions. Please, let's not turn this into a ridiculous-internet-non-sense-battle. Peace.
Uncertain | Assumption is the Mother of All Fuckups
weak idea well camouflaged
Keep calm and get a Pencil! or a Lion!


text:
The Agricola is the name of Arkansas Tech University yearbook. Browse and read the early years.
Access searchable PDFs of many years of the Arkansas Gazette Index. The documents are organized by themes and citations of newspaper articles.
See list of more than 200 databases here. Access to content is restricted to members of the university community.
Access to the content of one of these 30,000+ titles is restricted to members of the university community.
The Directory covers all open access scientific and scholarly journals that use a quality control system to guarantee their content.
The Tech Library holds more than 250,000 eBooks in several collections. Access is restricted to members of the university community.
Find scholarly articles, newspaper articles, books, course reserves, CDs, DVD, federal and state documents, atlases, and more in one discovery tool
The Library has selected highly relevant free internet resources to help in your research. The alphabetical list can be sorted by academic subject.
Provides a powerful advanced search in Google.
Provides a simple way to broadly search for scholarly literature.
The Library is a selective depository for U.S. and Arkansas documents.
Guides that contain listings of recommended resources for finding the most relevant information to your area of study.

subset: commoncrawl


text:
Meet and Communicate with Fun Singles Near You on BlackSingles.com
Register now to search thousands of members and post your FREE profile!
See who's on BlackSingles.com:
Hard worker that loves to cook and read and enjoy quiets nights at home
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drey717 is a 66yr-old single man in Roanoke, VirginiaView Profile


text:
Not Fragile
Performed by
32 votesSupernatural music moments (59 items)
list by AnaJJ
Published 4 years, 1 month ago 4 comments
13 votesB.T.O. : 8 Hard Rock & Rock Classic's (8 items)
list by Dark Warrior
Published 2 years, 3 months ago
View all Not Fragile lists
View all Not Fragile pictures
Description: Vinyl LP Catalogue# 6338 516 Not Fragile is the third album by Canadian rock band Bachman-Turner Overdrive. It proved to be the group's most popular album (not counting compilations). To the album's benefit, most of the material on Not Fragile are the band's much-liked rock anthems, ranging from the hyper-distorted title track, through the famous but far more timid song "You Ain't Seen Nothing Yet." Indeed, for hard rock fanatics, it doesn't come much better than this. Not Fragile is one of the finest arena rock albums of the era, featuring all the hallmarks of what makes a classic release in the genre. ... (more)
Manufacturer: Mercury
Release date: 31 December 1969
Release date: 31 December 1969
Tags:My tags: Add tags
Add Review


text:
- Report: #1138006
Report - Rebuttal - Arbitrate
Complaint Review: 365 Professionnals
365 ProfessionnalsInternet USA
365 Professionnals windows 7 works only for few month, illegal version sold Internet
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I bought a windows 7 version I download it on april 22nd 2013 and it work for a couple of months.
One day By updating my software I was advise that if was a counterfit version, illegal version from Microsoft.
I Tried to send email or go on there site, nothing. I doesn't exist anymore
This report was posted on Ripoff Report on 04/11/2014 07:01 AM and is a permanent record located here: http://www.ripoffreport.com/r/365-Professionnals/internet/365-Professionnals-windows-7-works-only-for-few-month-illegal-version-sold-Internet-1138006. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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text:
- Report: #796985
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Complaint Review: Futures and options trading commission of france
Futures and options trading commission of franceInternet United States of America
Futures and options trading commission of france http://www.onekansasdex.com http://www.acomexchange.com http://www.tcfoex.com Cold Calling Boiler Room online scam Internet
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Largest single operation discovered
Listed by creation date.
Created 05 mar 2010
Expires 05 mar 2012
Warnings: boiler-rooms.org, globalinvestotalerts.com, investor-alerts.com
(Amsterdam commodity exchange)
Created 29 nov 2010
Expires 29 nov 2011
Warnings: boiler-rooms.org, globalinvestotalerts.com, investor-alerts.com
(Taiwan commodity futures and option exchange)
Created 24 jan 2011
Expires 24 jan 2012
Warnings: nil
(Futures and options trading commission of france)
Created 22 mar 2011
Expires 22 mar 2012
Warnings: nil
(London international futures and options exchange)
Created 18 april 2011
Expires 18 april 2012
Warnings: nil
(Tokyo derivatives exchange)
Created 28 jun 2011
Expires 28 jun 2012
Warnings: nil
(commission options commodity securities)
Created 24 aug 2011
Expires 24 aug 2012
Warnings: nil
(the swiss intrex commodity futures exchange)
Created 25 aug 2011
Expires 25 aug 2012
Warnings: nil
(commodity futures trading association of Switzerland)
Created 25 aug 2011
Expires 25 aug 2012
Warnings: nil
(Austrian commodity futures trading commission)
Created 17 sep 2011
Expires 17 sep 2012
Warnings: nil
(international commodities and futures trade commission)
Created 19 sep 2011
Expires 19 sep 2012
Warnings: nil
(derivatives trading commission of japan)
Created 6 oct 2011
Expires 6 oct 2012
Warnings: nil
(the derivatives trading association of the united kingdom)
Created 6 oct 2011
Expires 6 oct 2012
Warnings: nil
(swiss commodities exchange Geneva)
Created 23 oct 2011
Expires 23 oct 2012
Warnings: nil
Conclusions: These 14 websites are clones designed to aid in a boiler room type operation. They have been created with the sole purpose to defraud would be investors.
1: That they be included in the the warnings already issued for the www.onekansasdex.com and www.acomexchange.com
2: If you have been approached by any one from these unlicensed unregistered companies do not give them any money and report them to the appropriate authorities.
3: If you have given them any money do not give them any more
4: Contact email@example.com to report on details that may allow legal action to freeze bank accounts and return investor funds.
This report was posted on Ripoff Report on 11/10/2011 10:48 PM and is a permanent record located here: http://www.ripoffreport.com/r/Futures-and-options-trading-commission-of-france/internet/Futures-and-options-trading-commission-of-france-httpwwwonekansasdexcom-httpwwwac-796985. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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text:
Watch "Aries Spears: Hollywood, Look Im Smiling (2011)" Movie Online
Hollywood, Look I'm Smiling is a laugh-out-loud and insightful comedy concert starring "Mad TV"'s breakout star Aries Spears. He is in rare form as he tackles controversial topics such as "political correctness," the "Hollywood establishment" and race relations in America. Filmed in front of a live audience at the Best Buy Theater in New York's Times Square, Hollywood, Look I'm Smiling is not only one of Spears' strongest performances, it is also a no-holds-barred attempt to shed light on the hypocrisy of today's society. Spears refuses to play by the rules.
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100% said link Ok!


text:
Comfy Room Near Croke Park
Спальные места2
Ванные комнаты1
Площадь16 м²
Этаж №
- Интернет
- Кухня
- Стиральная машина/сушилка
- Камин
- Парковка
- Джакузи
- Полотенца
- Посудомоечная машина
|Ascaill Bhríde, 3 Dublin, Ирландия
|Тип жилья
|Отдельная комната
|ID жилья
|Процент подтвержденных запросов брони
|< 50%
|Время ответа
|Несколько часов
|Календарь обновлен
|6 дней назад
Part of a 3-bedroom house, the bedroom is brightly decorated and accommodates wooden floors, a decorative fireplace and furniture perfect for lounging on. Communal areas include a well-equipped kitchen, a bathroom and a pretty garden.
One of Ireland's most famous historical buildings, the GPO (General Post Office) is a 20-minute walk away. A further 5 minutes' on foot will bring guests to Trinity College Dublin. The university hosts the Book of Kells, an illuminated manuscript Gospel book in Latin.
One of Dublin's principal shopping streets, many former buskers began their career on Grafton Street including Damien Rice and Rodrigo y Gabriela.
Guests are not permitted to move or take any items belonging to the host.
Guests should clean all communal areas after use.
Food scraps should not be left in the bathroom.
Hair must be removed from the bathtub.
No pets.
A €15 fee per night is required for additional guests not included in the initial reservation.
Any damage caused by guests (breaking the house rules) will result in a €50 fee paid directly to the host.
|Заезд после
|Заселение до
|По договоренности
|Отъезд до
|Политика Отмены Брони
Good place to stay for a few days. No luxury but nice and clean. Lots of buses going to the city centre. Sometimes a little loud at nights (cars etc.) but i can only speak for the room i stayed in. Really good value!
Location is fine, it's a 20 minute walk to the centre or you could take the bus which stops almost next to the house. Room was great for what we paid, clean and big. There were two negative features which are the shower, that had a Tiny water fall and was difficult to get warm water. Most of the time when other people already went. Next, it was sooooo cold in the home, we had a little heating but that really wasn't enough. Next to that we had an okay stay here.
It's a very nice house with a good kitchen and bathroom. The room was nice as well. It's only about 7 min to the city center by bus but you can also walk there without any problems.
Thank you!
Its a Nice place not far from Dublin center and very quiet
We 'll come here if we want to go in Dublin
The room was comfy, very simple, but all right.
It's not a place to hang out, we used it just for sleeping.
The bed was nice and the people who live in the house too! We could use the kitchen at any time and go to the garden.
Only the shower was horrible. The water spray was soooo soft that we couldn't get the shampoo out of our hair.
- Гарантировать качество жилья
- Проверить каждого принимающиего Вас хозяина по телефону
- Обеспечить безопасную оплату через шифрование на базе SSL


text:
Fetching data from CrossRef. This may take some time to load.
The home of premier fundamental discoveries, inventions and applications in the analytical and bioanalytical sciences
Impact Factor 4.033 24 Issues per Year Indexed in Medline
Critical Review
Emerging concepts in deep
Raman spectroscopy of biological tissue
Corresponding authors
Central Laser Facility, Science and Technology Facilities Council, Rutherford Appleton Laboratory, Harwell Science and Innovation Campus, Didcot, UK
E-mail: email@example.com
E-mail: email@example.com
Biophotonics Research Unit, Gloucestershire Royal Hospital, Great Western Road, Gloucester, UK
Analyst, 2009,134, 1058-1066
First published online 17 Feb 2009
This article is part of themed collection: Optical Diagnosis
This content is free, please choose one of the three options provided in the Log in section to gain access.
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Analyst - Information Point


text: I think I've found the perfect plugin for displaying recent posts. I have just one issue. There is a huge, almost 500px blank space between the widget title and the start of the posts. elyconnect.com if you want to see. I left the widget up there for you. Any suggestions as how to remove this?


text:
NX2 & PM beta
Probably the wrong place to post this but would respect opinion of someone who uses Capture NX2 & PM and has also tried beta PM.
I just tried the beta PM and to my dismay when my image collection is opened in the preview pane its histogram show a broad band of blue against the left edge. This appears in an image (especially one with greenery, bushes etc in it) as blue patches, presumably shadows in the greenery.
If I view the same image in PM 4.6.9 from where it was originaly proccessed into NX2 the histogram is fine & nicely placed where it always was finishing before each limit and with no Highlights or Shadows shown in NX2 where the histogram replicates the PM 4.6.9 version.
Where am I going wrong?
Visit my Nikonians gallery.
#1. "RE: NX2 & PM beta" | In response to Reply # 0mklass Nikonian since 08th Dec 2006Thu 19-Jul-12 11:31 AM
In PM5's Preview window, make sure the you do not have "Show lost shadow detail" turned on in the Highlights and Shadows section (just below the Histogram section). Lost shadows show up as blue areas in the image; blown highlights, if you have that turned on, as red.
Visit my nikonians gallery
#2. "RE: NX2 & PM beta" | In response to Reply # 1Thu 19-Jul-12 02:09 PM
Mick thanks for replying, clicking Highlights/shadows does not seem to do anything at all and the blue areas remain present in an image.
Be that as it may my question is "why is the histogram different to V4.6.9 in that I am looking at an image that is fine in 4.6.9"?
ie why do I have serious shadows in an image (eg a tif) that were not there before, why does V5 change everything?
All I have done is open the same image in two versions!
If that were the case I would have to reedit hundreds of NEFs from square one were I to purchase V5 eventually.
Visit my Nikonians gallery.
#3. "RE: NX2 & PM beta" | In response to Reply # 2mklass Nikonian since 08th Dec 2006Thu 19-Jul-12 02:43 PM
I'm not seeing any of this in PM5 running in Windows 7 64bit. I suggest you go to Camera Bits support forum and post your issue (be sure to mention which OS you're using). You should get a quick answer there.
Visit my nikonians gallery


text:
High school playoff action around the DFW area
Photo: Brandon Wade/Special Contributor
South Oak Cliff senior wide receiver Fonzale Davis (5) tries to break free from W.W. Samuell senior linebacker Keith HIll (7) as senior defensive end Kendrick Grayer (5) defends during the first half a class 4A division I first-round playoff game.
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text:
Oak Lawn Alpacas
- View Lineage Chart - View Cria/Offspring - ARI Certificates - Histograms
TFA Peruvian Cessna
True Black, 30802377, Full Peruvian
Cessna is Jet Black... and boy does she have nice fleece. But what would you expect from Obsydian. Cessna had a JET BLACK GIRL, TFA Peruvian Cessna's Citation, out of our Peruvian Maddock in August 2009. We have re-bred her to our Peruvian Knight Rider for a summer 2011 cria.
Listed by Connie & Don Payne of Iron Ridge, WI
Cessna's Citation or CC as we call her, is a true black full Peruvian who has outstanding conformation, well proportioned head and very fine fiber for a true black alpaca. Her pedigree starts with her sire being MFI Peruvian Maddock who is a MRG sired by CPeruvian Silvino and her dam sired by My Peruvian Obsydian. The rest of the pedigree has Don Timbo, Black Mesquite, Matador and Quicksilver.CC is bred for 2016 to AVC AJ's Kodiak.
Click to Enlarge
2013 daughter
2014 daughter


text:
- Report: #881447
Report - Rebuttal - Arbitrate
Complaint Review: Cell Phones For Cell
Cell Phones For Cell3016 James Street Syracuse, New York United States of America
Cell Phones For Cell Cricket Wireless Phone broke down in one day! Syracuse, New York
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didn't work anymore. There is no possible way I spilled anything on it!
I will be filing complaints with The Better Business Bureau and The Department Of Consumer Affairs against Cell Phones For Less and Cricket Wireless. I will also be taking this to court if need be.
This report was posted on Ripoff Report on 05/11/2012 12:11 PM and is a permanent record located here: http://www.ripoffreport.com/r/Cell-Phones-For-Cell/Syracuse-New-York-13027/Cell-Phones-For-Cell-Cricket-Wireless-Phone-broke-down-in-one-day-Syracuse-New-York-881447. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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Advertisers above have met our
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City Centre
About City CentreUnusually for a city, the town centre is very compact, but well furnished with pubs, bars, nightclubs, shops, theatres and restaurants. And the Millennium Stadium for good measure.
It is adjacent to the fabulous Bute Park, running alongside the Castle.
The name Cardiff is a corruption of Caer Taff, meaning the fort on the Taff, the river running down the West of the centre. This river used to run down Westgate Street. Those late catching a barge there would run down the aptly named Golate to a later point to try to catch it. Note that this thoroughfare has no 'street' or 'road' suffix.


text: This deal is expired! The deal below has expired, but no worries. You can still check out available coupons and "follow" the store to receive alerts for future offers. Air Innovations 13" Tower Air Purifier! Flag this deal What's the matter? Choose a reason Dead deal Duplicate Bad link Spam Inaccurate No value Alive again Edit deal helloamy1977 Jan 20, 2013 I like how it comes with a permanent filter. No need to buy replacements. But the reviews on qvc are not so good http://www.qvc.com/Air-Innovations-Tower-Air-Purifier-wPermanent-Filter.product.V26262.html?sc=V26262-OTO Reply Load More Comments


text:
"My beloved Bałtyk Sea is always there for me. In joy and tears, and heart—full or empty."
~ Marta Spendowska
"I wash away my year by traveling to Poland and breathing iodine.
The new artwork always emerges."
~Marta Spendowska
"Come closer. See my work.
Travel. Wo/ander around.
I can promise you
a glory of gold
and blue and pink."
~ Marta Spendowska
I'm incredibly happy to annouce the launch of my new collection!
All pieces are inspired by lagoons, Bałtyk Sea (Poland), ocean and serenity.
The seafoam, mint and gold are the perfect combination of calm and fresh. Imagine looking at it every day.
It's like travel with no baggage and stress. It's all love.
Come closer. Wonder around the new art.


text:
Sonic CD Priced and Dated For XBLA
Written Tuesday, December 13, 2011 By Richard WalkerView author's profile
It's not often that you get a genuine bargain these days, but it looks like Sonic CD is to be just that when it launches on the Xbox Live Arcade tomorrow, in plenty of time to fulfil all of your retro Sonic the Hedgehog needs. Originally a 1993 Sonic title for the SEGA Mega-CD, Sonic CD sees the blue spiky rodent looking to snatch back the Time Stones from Robotnik.
Along the way Sonic will have to face off against Dr. Eggman on multiple occasions, as well as taking on Metal Sonic and rescuing smitten pink hedgehog, Amy Rose. Sonic has to recover the Time Stones and restore order to Little Planet, while racing through several obstacle-filled zones, collecting rings and busting open badniks.
Sonic CD is retro Sonic at its best and it can be yours from December 14th (that's tomorrow) for a cheap as chips 400 Microsoft Points. Check out the new trailer for a look at what to expect from Sonic CD on XBLA tomorrow.


text:
The High Cost of Credit Card Debt
Last night while going through the mail, I happened upon our Chase Freedom statement. Don't ask why we're still getting a paper statement from them, as I'm honestly not sure – guess I need to change that.
Anyway, I don't usually look at our credit card statements too closely, as we pay our credit card bills in full every month. I usually just skim over the transactions to make sure everything looks right, and that's about it.
This time around, however, my eye was drawn to the "Minimum Payment Warning" box, pictured below. I've talked in the past about recent credit card statement changes, and this is one of the new additions.
For context, our closing balance was $2720.12, the APR is 15.24%, and the minimum required payment is $54. As you can see from the image above, if we made that minimum payment each month and never made another charge, it would take us 21 years to pay it off. 21 years!
Not only would we be paying for our July 2010 purchases through the year 2031, but it would come at a total cost of $5,936. That's 118% extra. 118%! If that's not motivation to get out of debt, I don't know what is.
The whole point of this table is to make it clear to people just how much money they're wasting by carrying a balance. They do their best to obfuscate things in the next line, however, where they present an alternate payment scenario.
Guess what? If you pay $95/month, you can pay it off your balance in three years while "saving" $2,525. That's all well and good until you remember that this "savings" actually represents nearly $700 in extra interest payments vs. paying it all off up front.
Hmmm. No thanks. I think I'll keep paying my bill in full. What about you?
Modified on September 17th, 2013 - 51 Comments
Filed under: Credit Cards, Debt Reduction
About the author: Nickel is the founder and editor-in-chief of this site. He's a thirty-something family man who has been writing about personal finance since 2005, and guess what? He's on Twitter!
Related articles...» Money Poll #22: Current Debt Load
» Paying Down Debt With a HELOC
» Carnivals – Week of 03/17/08
» Should You Pay Off Debt or Invest?
» Discover More Balance Transfer: No Fees, 0% APR for 12 Months
» Why Avoid the 0% Balance Transfer Game?
» Q&A: Debt Reduction Strategy
» Store Credit Cards: Good or Bad Idea?
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51 Responses to "The High Cost of Credit Card Debt"
1Nick Says:
August 13th, 2010 at 10:57 am
I love how it's called Chase "Freedom" and their minimum payment would require 21 years of payments… kind of ironic (or moronic…one of the two)
2Nickel Says:
August 13th, 2010 at 11:03 am
Nick: Maybe both.
3Luke Says:
August 13th, 2010 at 11:27 am
I never quite understood "paying it off in full". Besides the crappy "bonuses" you can sometimes get…why not just use a debit card? (i am sure you probably talk about that somewhere in here! lol)
4Anthony Says:
August 13th, 2010 at 11:46 am
The main reason why I use a credit card is for online purchases. I'd rather havea CC number stolen than my debit card. I know they both offer the same protections, but I'd rather not have it linked directly to my bank account. The second reason is that I use my AmEx card for the automnatic warranty extensions and some other perks.
5Henry Says:
August 13th, 2010 at 12:49 pm
I use my AmEx card for the same reason as Anthony, extended warranty, online protection, etc. Plus in the last 5 months I'm getting over $100 back on purchases I would have made anyway. I just don't quite trust debit cards. I've been seeing some good deals on high interest checking accounts recently that are tied to debit card use, so I may take a look into those soon…
6Money Obedience Says:
August 13th, 2010 at 1:03 pm
You have a similar problem with mortgages, on which you also pay about double the initial loan amount. But a mortgage supports an asset rather than outright spending.
@Nick: My thoughts exactly. Seems like "freedom" is an often misused word these days.
7smartcredit Says:
August 13th, 2010 at 1:05 pm
It is not true that debit cards and CCs have the same protection. If someone steals your CC number, you can call the CC company (or the CC company fraud dept. will alert you to suspicious charges) and you are not liable for the fraudulent charges. In the fine print, they say that you may be liable up to $50, but during the one time when someone took my CC number, I never had to pay a penny. Chase Freedom visa called me on my cell phone; when I did not reply, they alerted me by email. When I did not check my email, they suspended the account. I called in, said that I never made the charge, and Chase promptly closed the account and sent me a new card with new number.
In contrast, if someone steals your debit card number, they can clean out your entire bank account in a few minutes. Your outstanding checks will bounce, triggering NSF fees, anxiety, hardship and embarrassment. The bank will conduct an investigation, which could take days or weeks, during which time you have no access to your money. For this reason, it is better to use a CC.
I use CCs to pay for everything. I am frugal and disciplined enough to charge only necessities like groceries, gasoline, car maintenance, utilities, insurance, dental bills, eye glasses, books and dorm room and tuition for school (when I was in college), etc. I do not buy items I don't need and keep my expenses as low as possible.
These expenses must be paid anyway. If I pay with debit card or cash, I get nothing in return. In the past several years, I earned thousands of dollars in cashback rebates just for using my CCs to pay for necessary expenses. I put my savings and cashback rebates in a Rewards Checking Account that pays 4.01% interest and watch my funds grow and grow. It's a win win situation for me.
8kev Says:
August 13th, 2010 at 1:38 pm
I pay my credit card balance off in full each month as well. Paying a credit card off in full still gives me free use of their money for a month, where as a debit card purchase is immediate. I find that the month of borrowed time allows for some added flexibility when it comes to unexpected expenses – like the freaking car repairs I got nailed with last week.
9Jesse Says:
August 13th, 2010 at 1:40 pm
@smartcredit: 4.01%?? My god, my "high interest" online savings account pays less than 2%. I think we need a post about that!
10Nickel Says:
August 13th, 2010 at 3:27 pm
Luke: Pretty much everything has been covered by others, but… Rewards, free purchase protection/extended warranties, better fraud protection (I'd rather have a portion of my credit line frozen than a portion of my bank balance), and I also don't have to worry about making a tracking error and suffering an overdraft fee when my card doesn't draw directly on my bank – I'm on top of things, but nobody is perfect.
11Floridian Says:
August 13th, 2010 at 3:46 pm
I do not like debit cards for the reasons smart credit mentioned. It scares me that if it gets lost, or someone swipes the number (they don't even have to swipe the card, just the number), your bank account can be drained in a matter of minutes. We put all the necessities on a CC and pay it in full every month. Get some nice rewards for it too
and yeah – where's this 4%? on a CHECKING account? nah – I call BS! are you sure it's not .0401%? (four tenths of a percent)? I have a rewards money market, but it's still under 2%.
12Nickel Says:
August 13th, 2010 at 4:01 pm
All: It's not uncommon to have high interest rates n reward checking accounts as long as you jump through some hoops (direct deposit, minimum # of debit card transactions per month, and so on). Also, the high rate often only applies to a limited portion of the balance, such as balances under $10k.
13Jesse Says:
August 13th, 2010 at 4:06 pm
Nickel: I would love to see a roundup of those accounts. I can't even get 4% on a CD.
14John Says:
August 13th, 2010 at 7:26 pm
I have a Reward checking account at a semi-local bank. It pays 3.98% APR on the first $25,000 of the average balance. In order to qualify I have to use online statements, make 15 debit transactions/month, and use the ACH for at least one transaction. They say it has to be a direct deposit, but all of my ACH transfers, in or out, appear to count towards the total.
With the 15 transactions per month you about have to use it for daily purchases to make the min each month. I try to use my Amex card for gas and larger purchases in order to harvest the rewards, then let the debit card take care of the day-to-day small purchases and bike fill-ups to make the minimum. I pay off my Amex each month and I have a balance on one other card with 0% interest for the next year.
15smartcredit Says:
August 14th, 2010 at 11:16 am
1650plusfinance Says:
August 15th, 2010 at 7:37 pm
All credit cards should be illegal. Its like smoking. No problem in the early years, its fun. But later some people develop cancer. Some people develop credit card cancer. There should be a warning on your credit card saying "Warning: the use of this substance is hazardous to your wealth". Now I'm going to the mall, wheres my Chase card?
17Jesse Says:
August 15th, 2010 at 7:55 pm
@50plusfinance: So if you need emergency car repairs and you don't have cash in the bank to cover it, well, I guess you can just quit your job if you needed that car for your commute. If your car breaks down in another state, well, I guess you can just start living there and leave your old life behind. It's your own fault for not being rich enough to cover all unforeseen expenses, right?
Yes, the world would be a much better place without credit cards. For some people.
1850plusfinance Says:
August 15th, 2010 at 9:39 pm
@Jesse: Did you read the post? It says what a rip-off credit cards are. You would be rich enough if you didn't send all your money to Chase. Why not get on a budget and save some money for car repairs. Spend less than you make. Save for a rainy day. Like Mom & Dad taught us.
19Jesse Says:
August 15th, 2010 at 10:01 pm
Your glib philosophy is totally unrealistic. Not everyone has the luxury of having unexpected expenses come only at a time when they have a lot of money saved up. Outlawing consumer credit would be a catastrophe.
20Ben Says:
August 15th, 2010 at 10:38 pm
Credit cards are only a bad idea if you are incapable of managing debt. I pay my balance off before I am ever charged interest, I get cash back rewards for every transaction I make, and I can relax knowing that if the credit card is stolen I don't have to worry about having all my assets frozen while the matter is under investigation.
21Floridian Says:
August 16th, 2010 at 9:50 am
"Outlawing consumer credit would be a catastrophe."
HAHAHA – please! Don't make me laugh any more!
"Credit cards are only a bad idea if you are incapable of managing debt."
and unfortunately, that's most of the people living in this country! All using credit cards b/c they want it all NOW! If most Americans didn't have the attitudes of spoiled brats, they WOULD have money in their accounts to cover emergencies! Maybe the minimum age on unsecured credit cards should be rasied…maybe 25? although most 25 year olds today are far from being real adults, so that wouldn't really fix anything either. What a sad sad country of spoiled brats!
22Jesse Says:
August 16th, 2010 at 1:47 pm
@Floridian: "If most Americans didn't have the attitudes of spoiled brats, they WOULD have money in their accounts to cover emergencies!"
With a little thought, it's easy to see why that isn't true.
Imagine that by minimizing your expenses and sticking to a budget, you're able to save $500 a month. That's pretty extraordinary, I'd say, and you'll have more savings than most Americans in no time.
But what happens if you get hit with an unexpected $1500 bill the first month? Guess what, you need to borrow $1000 from somewhere! Without a credit card, and without friends or family who can lend you the money, what are your options? A payday loan at 350% interest? Bankruptcy?
This is the same reason HSAs can't replace health insurance, by the way. You can't schedule emergencies to happen at a convenient time when you have a nice chunk of cash in the bank: even with superhuman budgeting abilities, you'll still be vulnerable for at least a short time at the beginning, and if tragedy strikes then, the result will be far worse than paying credit card fees.
"Maybe the minimum age on unsecured credit cards should be rasied…maybe 25?"
We have too much age discrimination already, thank you very much. All this would do is make 25 year olds as inexperienced as 18 year olds are today.
23Floridian Says:
August 16th, 2010 at 2:29 pm
Jesse- what are you, 19? I was pretty sure from reading your earlier posts that you were under 25 (and your last statement confirmed that, which, BTW, made me laugh out loud! Mainly b/c I thought the same way when I was in my early 20s. Come back when you're 30 and tell me if you still believe that statement!), but do you really think saving $500 a month is an "extraordinary" amount? REALLY? That is so sad. Keep reading boards like this – soak in what is being said, evaluate (re-evaluate) your spending habits, learn to apply advice that is given, and you'll see how easy it is to stash away 2 times, 3 times, or MORE the amount you think is "extraordinary!"
24Jesse Says:
August 16th, 2010 at 3:10 pm
@Floridian: I'm 28, actually, and I find it quite telling that you've chosen to dismiss my arguments based on your incorrect assumptions about me rather than actually responding to them.
Maybe the economy in your area is healthier than in mine, and saving $500 a month is no problem for you. Congratulations, I'm sure that must feel great! But it's beside the point: no matter *how* much you can save every month, it's still a finite amount.
There's *always* a chance that you'll be hit with a big unexpected expense before you have enough cash in the bank to cover it. That's where credit (and insurance) come in.
What is your answer to people in that situation? "Sorry, you should've had the foresight to live in my area and get a higher paying job?" "It's your fault your car broke down this month?" "Here's the number of a great bankruptcy lawyer?"
You would do well to try to look past your own situation and realize that what works for you may not work for everyone else. Maybe that would also help you understand how someone over age 19 can be opposed to age discrimination.
25Floridian Says:
August 16th, 2010 at 3:48 pm
I didn't respond to them because I thought they were too pathetic to waste my time responding to them They all sound like excuses of someone with poor planning skills. Yeah, crap happens. Plan for it. Live below your means and save for emergencies.
26Floridian Says:
August 16th, 2010 at 4:06 pm
Here – As an example, when I was 23, the hubby and I were house hunting (we saved for a year to have a good sized down payment or it). Both of us were fresh out of college with Masters degrees and brand new jobs. The bank told our real estate agent – and I quote – "these kids are golden!" And they tried HARD to convince us to buy a bigger house! Ya know what, we didn't listen to them! We didn't buy as much house as they said we could "afford." We didn't want to live paycheck to paycheck and we NEVER wanted money to be an issue. 6 months later, one of our cars died and we had to shell out money for a whole new engine! OUCH, that was expensive! But ya know what, we were able to pay CASH for that engine.
Does anyone else plan like that today and set aside some money for emergencies? NO! It's why the housing market busted like it did. It's why Americans are drowning in credit card debt. It's why Americans are only saving a piddly 6% of income now – which is better than the savings rate last year, but still pathetic. This is a spolied entitlement society. People want it all and they want it NOW! And consumer credit allows them to do it…to a point.
Am I against credit cards? NO! I have 4 of them (but only use two and pay them off in full every month-the other two are for emergencies). I just feel that MOST people are too irresponsible with them. And yes, a 25 year old IS more resonsible than an 18 year old (even if not by much). And it's kind of annoying seeing someone throw out pathetic excuses as to how credit card usage might be smart or necessary. It's not necessary unless you made really bad choices, or had extremely bad luck!
27Carol Says:
August 16th, 2010 at 4:13 pm
I use a cc for all my purchases b/c of the cash back and always pay the balance in full. If you're not good at controlling your spending with cc, debit cards are the way to go. Thankfully now without overdraft protection. But unlike the author of this article, I scrutinize every single purchase. I don't just wait until I get my statement to check the purchases, either. I go online a couple times a week to check recent purchases, write them down in our budget, and make sure they're legit. I read somewhere that purchases made before a card is reported stolen have a liability of $50. It's only after the card is reported stolen that you have $0 liability.
28Jesse Says:
August 16th, 2010 at 4:23 pm
@Floridian: "They all sound like excuses of someone with poor planning skills. Yeah, crap happens. Plan for it. Live below your means and save for emergencies."
As I've repeatedly explained, sometimes it's *literally impossible* to "plan for it" because the money just isn't there. I'm not sure why you're having such a hard time understanding this.
Even if you can somehow save $10,000 a month, there's still some chance that you'll face an $11,000 expense the very first month. It may be rare, but in a country of 300 million people, it'll happen to hundreds of them. That's why 50plusfinance's idea of outlawing credit would be a disaster.
By the way, you've just contradicted yourself. If Americans are only saving 6% of their income, and median household income is around $50,000 a year, then saving $500 a month would indeed be extraordinary (double the average rate). Saving three times that much, as you claim is "easy", would be even more extraordinary. But go ahead with your glib prescriptions — if you have an extra $1500 a month to put away, then everyone else must too, right?
29Floridian Says:
August 16th, 2010 at 4:29 pm
"Sorry, you should've had the foresight to live in my area and get a higher paying job?â€
well, if I wanted a high paying job, I certainly wouldn't be living where I am now! I only stayed to be close to family. I support my family of five on a crappy state income. But, as you well know, it's not about how much you make. It's more about how much you SAVE. And you can save a lot when you don't owe money to others – as this post clearly showed! (all we have is a mortgage – everything else is paid for, so it's easy to save over $1,000/month when we don't owe anyone anything!).
"You would do well to try to look past your own situation and realize that what works for you may not work for everyone else."
That's b/c most everyone else is too lazy to make it work. What worked for us was HARD work and dedication. And I know for a fact that what we did WILL work for most everyone else dedicated enough to not be a slave for the rest of their lives. And I hear proof of it every time I listen to some Dave Ramsey. Day after day after day there are people calling in to scream about how they are debt free – some overcame situations that even I myself can't believe! Maybe now you see why I don't have pity for those who make excuses.
There – did I answer all your questions now.;)
30Jesse Says:
August 16th, 2010 at 4:42 pm
@Floridian: "There – did I answer all your questions now.;)"
"it's easy to save over $1,000/month when we don't owe anyone anything"
Again, congratulations, but what would you have done if you had a $2000 emergency expense the first month? That's the question you keep ignoring: what happens when you've saved all you can and it still isn't enough? It seems like you're just writing that off as "extremely bad luck" and pretending it doesn't happen.
I realize you've said you're not opposed to credit cards. But if that's true, I'm not sure why you're arguing with me — as you may recall, my point here is simply that credit cards are sometimes necessary and outlawing them would be catastrophic.
31Floridian Says:
August 16th, 2010 at 5:16 pm
I never disagreed with what you said: "There's *always* a chance that you'll be hit with a big unexpected expense before you have enough cash in the bank to cover it." In fact, if you read my comments, you would have seen where I stated that I DO have CCs for emergencies. See! – I agree that they CAN be used for emergencies! But having a CC set aside for emergencies is not the optimal choice – which is why I also have > $30K set aside for emergencies. Is that enough? My husband says it's more than enough. But you are right, it might not be enough if the perfect storm of emergencies hits us!
yes there's "always a chance" that a big unexpected expense will hit before enough cash is saved up. But is that lame excuse what keeps you from saving?
I didn't think I was arguing – just stating my point all along that credit cards are NOT necessary and outlawing consumer credit would not be a catastrophe. And it was not I who said credit cards should be made illegal. I believe my original post was in response to the absurd comment that "Outlawing consumer credit would be a catastrophe.†And no, I did not contradict myself. a 6% savings rate (as I stated earlier) is pathetic! Maybe if you compare $500/month to the average family, you can call it "extraordinary"? For those of us who are not lemmings, saving $1,000+/month IS easy. It's not "extraordinary."
Oh wait – if I use your definition of extraordinary, I guess I can say that my husband and I give away an extraordinary amount to church and charity every month. Hmmm…on second thought – that sounds pretty good, maybe I DO like your definition of extraordinary!
haha – whatever.
You know, no matter how bad you think your situation is, there is ALWAYS a way to make it better It may not be easy – it may require a lot of hard work and sacrifice, but there is always a way.
32Jesse Says:
August 16th, 2010 at 5:42 pm
"But having a CC set aside for emergencies is not the optimal choice – which is why I also have > $30K set aside for emergencies."
Certainly. It isn't optimal, but sometimes it's the only option.
"But is that lame excuse what keeps you from saving?"
There you go again, making unwarranted assumptions.
"And it was not I who said credit cards should be made illegal. I believe my original post was in response to the absurd comment that "Outlawing consumer credit would be a catastrophe.—
Heh. What's absurd is the idea that people having to declare bankruptcy, quit their jobs, etc. over minor unexpected expenses that come at the wrong time would somehow *not* be a catastrophe. That's what would happen if consumer credit were outlawed — and you even seem to understand that yourself at some level, so I'm not sure where the disconnect is coming from.
"Maybe if you compare $500/month to the average family, you can call it "extraordinary�"
Yes, that's what "extraordinary" means: it means out of the ordinary. It'd be nice if we lived in a world where being able to save $1500 a month were merely ordinary, but we don't.
"Oh wait – if I use your definition of extraordinary, I guess I can say that my husband and I give away an extraordinary amount to church and charity every month."
Yes, that's right. Well, you said "your definition" when you were really referring to "the actual definition", but close enough. Congratulations!
Now it's just a short journey to realizing that what works for you, in your extraordinarily cushy financial situation, doesn't necessary work for everyone; and the things you find unnecessary might actually be necessary for others.
"It may not be easy – it may require a lot of hard work and sacrifice, but there is always a way."
Of course. But the advice that's appropriate for someone who has already reached that goal might not be appropriate for someone who's still on the way.
33WOMEN! Says:
August 16th, 2010 at 6:17 pm
WOMEN! They're extraordinarily wordy is what they are! sheesh!
I save $800 every month on an "average income" and don't consider that an extraordinary feat. I pity anyone who thinks it is.
34Jesse Says:
August 16th, 2010 at 6:33 pm
Sorry to rain on your fantasy, but I'm male. (Like Jesse James, Jesse Jackson, and Uncle Jesse from Full House.)
Congratulations on your extraordinary savings, too. I'm amused that you think an income with a spare $10,000 every year is "average".
3550plusfinance Says:
August 16th, 2010 at 9:53 pm
@Jesse Your just making excuses. If your reading personal finance blogs haven't you picked up any tips for getting you personal finance house in order. What I read here only encourages me to save. The glass is half full…
36WOMEN! Says:
August 17th, 2010 at 10:22 am
Pardon me, let me repost:
I save $800 every month on what the US census bureau considers to be a "median income†and I don't consider that an extraordinary feat. I pity anyone who thinks it is.
Keep making excuses.
37Jesse Says:
August 17th, 2010 at 10:32 am
I'm puzzled by all these accusations of "making excuses". I'm just pointing out that changing the law as @50plusfinance suggested would be a bad idea. I don't know who or what you think I'm excusing.
If this were a weight-loss blog, and someone had suggested outlawing sugar, do you think they'd overreact the same way to anyone who questioned the sanity of that proposal?
38Floridian Says:
August 17th, 2010 at 10:52 am
@#35 – 50plusfinance
I agree! Stuff I read on these PF blogs encourages me too! Sometimes I think we are doing pretty good, then I read something on a PF blog that encourages me to change something and do better!
I am always on the lookout for opportunities and ideas to better ourselves and our situation in life Those with closed minds will never get ahead.
(PS – I hope that wasn't too wordy for ya #36!)
39Jesse Says:
August 17th, 2010 at 11:31 am
I think we're all encouraged by the things we read here — at least the articles — and all looking out for ways to improve our situations. That's why we're here, right?
40smartcredit Says:
August 17th, 2010 at 12:03 pm
The amount you save each month depends on your circumstances. I have two master's degrees and a law degree. I worked hard for those degrees and after 20 years of legal practice, am able to save much more than $500 each month.
However, turn the clock back to my college days, or when I was a young associate in a law firm, and $500 in savings a month would have been outstanding. At the time, I had student loans, plus living expenses such as gasoline, costs for professional wardrobe, costs for legal seminars (which I paid out of pocket), etc. Two other members of my family are attorneys and we all struggled when we first entered the profession.
After many years of representing hundreds of clients who simply cannot save $100 a month due to circumstances, I would not judge anyone over the amount they can or cannot save. I had a client a few years ago who owed $400k in medical bills for a premie. After years of trying to pay back, she finally filed for bankruptcy.
If your skills, advanced education, and profession allow you to save more than $500 a month, then count your blessings. If you are struggling to save just $100 a month, I feel your pain. Keep working at it and don't give up. Don't feel badly that you cannot save more when circumstances in life make it impossible. Not all of us are in the same place in life and career. Best wishes to you.
41Leen Says:
August 17th, 2010 at 3:11 pm
Jesse, I totally agree with you. Outlawing credit cards would be catastrophic. Even if we eliminate all the people who use them to feed their kids, they are an emergency fund for so many whether it be unexpected doctor bills or car emergencies. We all have to start somewhere with savings and credit cards are that cushion that most of us have to use on occasion.
4250plusfinance Says:
August 17th, 2010 at 10:49 pm
What did people do before there was credit cards? I guess save for the rainy day. They had no choice. Today the banks have taught us to rely on there credit cards, they will take care of us. Keep on charging everything on credit. Their poison has crippled those who have fallen for the sermon of buy, buy and buy. Keep listening to the pablum fed to us from the banking industry.
43Jesse Says:
August 17th, 2010 at 11:31 pm
@50plusfinance: In situations like I described, they either begged their friends and family for money, or they quit their jobs, or they became criminals, or they declared bankruptcy, or they just evaded bill collectors for years. Apparently you'd like us to go back to that!
"Keep on charging everything on credit"? Are you so confused that you actually think someone here is recommending that, or do you just like making up ridiculous statements so you can argue against them?
44Leen Says:
August 18th, 2010 at 8:14 am
@50plusfinance: You are hilarious! I hope no one ever carries a balance on their credit card. I personally think using one for the rewards causes people to spend more money than if they used cash, so I don't advocate that either. But I think most people should have a credit card. It is a cushion while people save for a rainy day. Or if a tsunami comes and wipes out the rainy day fund, you can still survive. Credit cards are not evil. They are an easily accessible high interest loan. That sometimes people need and are better than the alternative – payday loan places, not paying bills, etc. Just because people use credit cards unwisely, doesn't make them inherently evil.
45WOMEN! Says:
August 18th, 2010 at 8:22 am
wow – get a life Jesse/Leen/or whatever your name is…just like my 5 year old, who doesn't know when to stop arguing. but thank goodness my 5 year old doesn't take on alternate personalities!
46Leen Says:
August 18th, 2010 at 9:14 am
I don't consider this arguing – it is a spirited internet discussion about credit cards. I am not Jesse but I'm glad you think his opinions are so crazy that he has to invent someone to agree with him! And thanks for calling me a five year old. You obviously just want to have the last word because you didn't contribute anything to the conversation other than name calling – very mature.
I hope the new information on credit card statements help people making only the minimum payments take notice of how much money they are wasting on interest and attack their debt like never before.
47Nickel Says:
August 18th, 2010 at 9:27 am
Okay folks, this discussion went off the rails awhile ago. Let's keep it civil so I don't have to lock the comments…
48smartcredit Says:
August 18th, 2010 at 3:54 pm
Tip: if you get a CC which offers 0% interest on purchases for six to 15 months, use the CC to charge living expenses, pay the minimum balance monthly, let your savings grow in a Rewards Checking Account that earns 4.01% interest (up to $25k), and pay in full before the due date. You will get cashback rebates plus interest at your RCA.
I was disadvantaged during childhood. Parents owned a small business which barely broke even, and scrimped and saved to put four kids through college and professional school. I learned to be frugal. I don't recommend CCs for spendthrifts, but for those like me, CCs offer thousands of dollars in cashback rebates and interest.
If you think that CCs are evil, don't use them. Do what is best for you and let others do what is best for them. To each his own.
49Floridian Says:
August 18th, 2010 at 5:30 pm
well this certainly has gotten amusing – kind of glad I came back to read!
smartcredit – I looked into those high interest rewards checking accounts – and most of them came with a lot of hoops to jump through, so I passed. With a full time job and three kids, I don't have time to keep up with whether or not we're meeting requirements of those accounts. I can barely keep up with life as it is!!
But we used to do something very similar to what you are suggesting. Back when 3 & 6 month CDs were paying 5%+ (which wasn't all THAT long ago – I'm only 34), we would stash the money there. No hoops – just a time commitment. The CDs would mature before the 0% rate on the CC expired. Oh I miss those savings rates!
Now we use the credit cards for the rewards. We charge our normal monthly expenses and pay it in full every month. We got free airline tickets to Rome last year! And the Discover is good for the cash back. I keep waiting for them to change the terms on us to bring them in line with the crappy rewards that are now offered, but we still earn at the same rate as when we got the card (I probably just jinxed it!)
"If your skills, advanced education, and profession allow you to save more than $500 a month, then count your blessings."
You left out frugality! Although you did mention it in a later post I was disadvantaged during childhood too – parents didn't have any money, not even to help me through college, so I didn't even get THAT. I had to "scrimp & save" and work my tail off to pay for my own education (Bachelors, Masters, and a CPA). At one time, I had three (yes, THREE) jobs while taking classes (one full time, 2 PT)! For me and many others, it's being frugal (and smart with credit ) that allows us to save an "extraordinary" amount. But I have never considered it extraordinary That's simply because my husband and I are able to do it given our backgrounds – both of us started with nothing, paid for our own educations, and never got ANY help from family or friends. It seems to me that if we were able to do it by 25, then ANY one should be able to do it. But the reason most aren't able to is because this has become an extremely materialistic society. Most people have their "needs" & "wants" mixed up – and end up unecessarily putting it all on credit – and paying dearly for it! I don't think credit cards are evil. Rather, most people are just too stupid to use them wisely. But yep, as you said – to each his own! Not my problem…until they use my tax dollars to bail the poor bastards out!
oops – hope I don't get hollered at for getting too wordy there
50smartcredit Says:
August 18th, 2010 at 11:35 pm
Floridian, you broached some good points. I identified four topics in your post which I will address separately. First, I will discuss Rewards Checking Accounts (RCA.) Like you, I sorely miss getting 5.00% on CDs. I still have CDs at various places, but the best rate was 1.50%.
My RCA requires online statements (which I do anyway) and the equivalent of 11 debit transactions. I do 11 transactions by paying two CCs online in increments (if I owe $500, I may schedule payments of $50 each.) I do the same with one or two utility bills. I schedule incremental payments in one sitting, so I do not do this 11 different times. I am a bit OCD, so do not deem this bothersome. It is a personal decision.
My RCA earns 4.01% up to $25k and 1.00% beyond $25k. With $25k, I earn $1002.50 annually. My colleagues scoff at this amount, but I enjoy getting money for comparatively little work.
Since you dislike the "hassle†of an RCA, have you considered an online account at Ally? I link my RCA to Ally Online Savings and to Ally Money Market Account, both of which earn 1.29% interest. Ally offers great chat assistance and linkage to unlimited external accounts (huge bonus if you have accounts at many places.)
I link my RCA to investment accounts at two brokerage firms. I buy stocks and mutual funds in $5k increments when the market is down. If I hold these funds for long term, I should earn at least 10% on my investments. This estimate is conservative because my international funds give 35 to 56% return. If I use $5k to buy shares, that leaves $20k in my RCA. I move another $5k into the RCA to maximize interest. Then I repeat. This strategy works well for me. I will address the second topic in my next post.
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The Edifier M1350 2.1 is a compact design with a wooden subwoofer that provides perfect sound for every occasion. Since the cabinet of the speakers is made from superior quality wood, it gives a clear sound effects. The black color of this speaker gives it a classy look that matches well with your TV LCD. The Flat panel style satellites design is best suited for LCD monitor. You can place the speaker wherever you wish be it on the desk or just place it on the floor.
The power consumption of this amazing speaker is as less as 8.5 Watt. The Speaker has an amazing output range of 50 - 20000 Hz. Also it has a signal to noise ratio of 80 dB
The Edifier M1350 is a stylishly designed, entry level 2.1 audio system. The wooden cabinet provides awesome audio response while the unique down-firing subwoofer reflects sound from the base of the cabinet to enhance the bass. The flat panel style satellites look great next to LCD monitors and are magnetically shielded to prevent annoying interference.
2 x satellite speakers
1 x subwoofer
About the Brand
Edifier specializes in premium sound systems that showcase technological innovation and design elegance. They deliver outstanding audio experience through a wide range of speakers, music systems, and headphones for personal & home entertainment. Established in May 1996 in Beijing, China, Edifier Technology Co. Ltd is the brainchild of a small group of enterprising music lovers. Edifier continues to expand its operations and presence, moving towards the goal of becoming a world class, internationally recognized company specializing in quality audio solutions for the ever evolving consumer electronics industry.
Have you purchased this item?Write A Review
I was searching for a cheap speakers with woofer and i found this. Good woofer but volume is low. You cannot enjoy movies/songs at high volume but for read more
Received in a good condition after 5 days. Advantages: 1. Good Built Quality 2. Good treble 3. Compact size makes life easier 4. Sound is sufficient for room size of 10x10 ft 5. wired remote makes handling easy if you want to keep woofer below the desk Disadvantages 1. Bass is not great 2. too many wires because of wired remote 3. wired remote is so light that it does not stay on the table. It follows the weight and pull of the wires Rest..sound is amazing. Highest Volume is not low but if you want very loud system this is not the one. Overall great system at very affordable price.
I was searching for a cheap speakers with woofer and i found this. Good woofer but volume is low. You cannot enjoy movies/songs at high volume but for normal use they are good.
Yes,you can use.
Yes,you can connect via 3.5 jack.
Edifier M1350 2.1 Speaker
Rs. 1,325


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Is there any way to limit the number of posts WPTouch loads? Users are reporting that they get every single published post every time. I have tested it and get a huge single page of posts. Even pagination would help.
Sorry if I'm missing something obvious. I just didn't see it.
Thanks in advance,


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- Overview
- Transcript
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- Using SketchUp's unique 3D drawing and modeling tools to create realistic objects and scenes
- Creating textures and materials to add additional realism and depth to scenes
- Creating libraries of components to make changes on multiple models within a scene
- Creating walk-through animations for presentation and final output
- Outputting 2D bitmaps to create realistic or stylized renderings for clients
Skill Level Beginner
So we are picking this up from the last lesson and we did in that lesson was we matched the perspective of this photo to this perspective in SketchUp and now once we have done that, we can sketch over this photograph. We can basically use our Drawing tools. Now, the one thing about this is that we are really locked to a very specific view. If I were to orbit the scene, notice how it actually disappears because what Photo Match does is it actually has to lock to that specific view and we have that right here. All I have to do is just click on that scene and it will go ahead and reset itself.
So, I can use any of my Drawing tools to draw this building. So, let's go ahead and start with the Line tool and again I can't use Rotate, so I have to use just Pan and Zoom. I can orbit around. So, I am going to use my Line tool and I am going to draw the top edge of this building. So, all I have to do is just click and if you notice here it actually infers that there is a green axis and that actually matches my building. So, all I have to do is just draw this line here, match my blue axis here and then draw my building over and complete this and I have a rectangle.
Now, this is the side of my building. Now, if I looked at this in 3D -- I am going to orbit right now, you will see that I have actually created a rectangle that actually matches that building. So, I am literally building this in 3D, but I am using the photograph as my reference. So I click back onto my Scene tab and I have got it. In order to create the front of the building, I could either draw the phase or probably the easiest thing to do is to push pull. So I am just going to select my Push Pull tool and I am going to pull my face over to create the bank.
So, there we have rectangle that's basically the same size as bank. Now, there is some details in the front of this bank that we don't see. The other thing we can do with this is we can actually take this photo and we can project the pixels from the photo onto our object to create new textures. So, once I am in the Sketch Over mode all I have to do is go Project Textures From Photo and it's now projected that building onto that cube. So, if I orbit this you will see I actually have a cube that matches my photo.
So, this is kind of how you can do a very simple building for Google Earth or something like that. Now, we can do a little bit more detail here and let's go back to our view and let's for example do some of these windows. So, I can for example, zoom in here and just on this face I could actually just draw a rectangle to make this window for example, and just select that face and then just Push Pull that face in, so now I have a window that pretty much matches the window on the object. So, let's do that for this window as well.
So, you can see how it very easily creates a more realistic view of my building. So, I have got a little bit of an indentation here and again I could snap that do it and again just push that in using P for push. So, as you can see I can actually even go over here to these and I can model those as well. I can make those with a rectangle, and then of course we have an arch here at the top. So, all I have to do is just snap, snap and then make my arch about the same size to meet that edge, that take face and again push it in.
Now, once I start modeling like this you will see how I am actually creating some detail that may not be there. So, all I have to do is re-project the textures from the photo. And it gives me a little bit of an error and all it says is do you want to overwrite the existing material? So we say Yes and then it just goes ahead and it resets those. The last thing I want to model here is this little parapet that kind of comes out. Let's go ahead and try modeling that from the actual photo, but the one thing I find here is that when I try and draw out this angle, it's just trying to snap. So, probably the easiest thing for me to do is to do something else. I can actually just draw the top edge of this, which is actually going to be a line with a red axis and I can draw the bottom edge of this little parapet and so that gives me a face. And then I can just Push Pull that face out a little bit and I can just move that face up or down and if I hit the up arrow I can snag it to the axis and then again re- project those textures. Yes, I do want to overwrite.
So, now you can see I have got a building here that looks pretty good. It has got textures on the sides that I want them. I can certainly create new textures for the top or the other side, but now I have a building that's reasonably sized and pretty much like the one in my photograph.


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text: My erlide hangs or sometimes just shows empty ebin, include, src directories in a project. I'm using Mac OS X 10.7.5 with Eclipse Juno. I tried several known troubleshootings found in google including hostname and computername change. Actually, it has been ok for quite a while but after failing once, won't recover. -- Park, Sungjin ------------------------------------------------------------------------------------------------------------------- Peculiar travel suggestions are dancing lessons from god. -- The Books of Bokonon ------------------------------------------------------------------------------------------------------------------- -------------- next part -------------- An HTML attachment was scrubbed... URL: <http://erlang.org/pipermail/erlang-questions/attachments/20121030/0f15031a/attachment.html>


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Allentown, Pennsylvania
Candace Watts and Brandon Bishop waived their rights to a preliminary hearing on child abuse charges last August, 2011.
The couple decided to marry a few days before their arrest, instead. Brandon, Kamryn Hummel's brand new step-daddy had been charged with child abuse and attempted murder. Bio-mom Candace was charged with endangering the welfare of a child.
With a plea deal in the works, Brandon Bishops's sentencing is set for January 25 of 2012, and bio-mom will allegedly testify against him. He faces twenty (20) short years behind bars.
Bishop's bail was set at $300, 000 for the barbaric and sadistic attacks on the toddler.
Learn more about this 'tough' guy and the reason for his behavior, after the jump.
Just when you think you've heard it all, you find out "oh-no you-haven't!"
The violence inflicted on tiny tot Kamryn Hummel began as soon as bio-mom moved boyfriend Brandon Bishop in with her and the child, in March of 2011. The attacks occurred over a 3 month period and one of Kamryn's Aunts reported seeing the little girl limping—-with clumps of hair missing from her scalp.
Ready for his reason?
Take your blood pressure medicine and grab a scotch. ( or coffee / comfort beverage)
Bishop felt Kamryn was a spoiled princess and needed to be toughened up!
For some reason, I've always believed ALL little children should have their days of being treated like spoiled princes and princesses!
To make matters worse, Candace Watts, the woman that gave this child life, knew of the abuse and did nothing to stop it. Not a thing. She opted to marry this brutal 'stranger' that almost killed her daughter instead! Breaking her tiny bones, kicking her crotch, etc.
I'm left shaking my head and muttering under my breath " what the****!"
Twenty-five-year-old Brandon Bishop pleaded guilty Wednesday (December 15, 2011) to aggravated assault for a series of assaults between March and May, in which he punched and kicked the toddler.
Officers who interviewed Bishop say he told them he beat the girl to make her tougher.
Mom Candace Watts knew, and obviously condoned the brutality!
The girl's mother pleaded guilty Wednesday to child endangerment and agreed to testify at Bishop's Jan. 25 sentencing.
Wonder what kind of plea deal she received!
Meanwhie, Kamryn Hummel is in her father Nicholas Hummel's custody and is said to be doing well, but asks many questions (as do all 2 year old children—-princesses or not.)
Hummel said she asks a lot of questions about why this happened to her. He said he doesn't know what to tell her.
The family is trying to help her heal.
"She's doing well right now," said Hummel. "She's running around playing like a normal kid."
Hummel said he's talking about what happened to his daughter in the hopes it will inspire others to help.
"If you suspect any kind of child abuse, or even abuse from your boyfriend or girlfriend, you need to speak up and get help because nothing good will ever come out of it," said Hummel.
Seriously, how do you answer questions like this? How do you explain that your own mother is so terrified to be without a man that she would literally sacrifice your little life to have a man next to her at night?
I have to admit—-I'm at a loss when it comes to trying to explain these things. There's no greater treasure than the gift of a child, yet almost hourly, we hear of parents that will do anything to keep a partner in their pathetic life!
What say you? Please, feel free to offer your two cents, your thoughts and theories on why our children have now become disposable objects and not people?
This is an urgent problem that needs a solution—-yesterday!
How does a grown man look at a tiny girl /princess, and want to toughen her up? Isn't the world already hard enough?
What do you think should happen to Candace Watts and Brandon Bishop for their heinous actions against this helpless toddler, Kamryn?
Can't help but wonder how "tough" either of these miscreants will end up being!


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WALDEN — Douglas Cooper faced a potentially disastrous scenario this fall: the loss of IBM medical benefits for his wife, a quadriplegic with multiple sclerosis and close to $400,000 per year in medical expenses.
IBM announced in late summer that it would move many of its retirees to a private health care exchange and give them subsidies to buy supplemental Medicare insurance. The change takes effect Jan. 1.
Cooper, an IBM retiree, looked over the plans and saw that they didn't cover the expensive around-the-clock skilled nursing care his wife, Tina Cooper, requires. Registered nurses and licensed practical nurses care for Tina Cooper 24 hours a day, seven days a week, cleaning her gastric and tracheostomy tubes and carefully administering the expensive drugs she takes.
Cooper braced for the worst, planning to raid his and his wife's approximately $1 million in savings to pay for her care. He wouldn't have hesitated paying the sum. The pair fought to be together, meeting in the 1960s but not marrying until the 1980s.
But the worst did not happen. Instead, Cooper learned just before Thanksgiving that his former employer will continue to pay for the bulk of his wife's medical care.
She is eligible for IBM's Catastrophic Medical benefit, meaning that Big Blue will continue to pay for most of her 24/7 skilled nursing care. The benefit is available to IBM's Medicare-eligible retirees who are receiving continuous medical services for private-duty nursing care or home health care covered by the IBM plan, according to a letter Cooper received from IBM last week.
Both of the Coopers will still be moved to supplemental insurance plans on the private exchange, but IBM will pick up the balance of the nursing expenses the plans do not cover, Cooper said.
Cooper's deductible for the Catastrophic Medical benefit is $6,500, a fraction of the hundreds of thousands he expected to pay.
IBM spokesman Doug Shelton declined to share how many other IBM retirees will receive the catastrophic medical benefit.
Medicare generally only covers skilled nursing care for a short time after hospitalization, or on a part-time basis, according to a government brochure. But Tina Cooper needs the care full time, and Douglas Cooper tries to keep his wife out of the hospital — where she is prone to dangerous infections.
Cooper had a feeling his wife's medical coverage would continue nearly as-is in early October, after Dr. Kyu Rhee, IBM's chief health director, made special arrangements to speak with him from India.
Cooper said Rhee told him his situation is "special and unusual" and will influence him when he figures out what the "IBM policy should be with regard to a situation like yours."
Rhee told Cooper he would get back to him in a month. One month after the conversation, Cooper called Rhee, but didn't make contact with the doctor.
One week later, Rhee called Cooper back and said that Tina Cooper's care would continue basically unchanged.
"He's an M.D., and he recognized the medical necessity for Tina's care," Cooper said.
Until 2004, Tina Cooper could talk on the phone, read and feed herself. Then she developed aspiration pneumonia after she ate something that went down the wrong pipe. The episode left her in her current state.
Her multiple sclerosis has weakened her cognitive abilities. Cooper kept most of the details about the potential insurance crisis from his wife, not wanting to worry her.
He told her about its resolution, and she was happy to hear it, Cooper said.
Location, ST | website.com


text: betawho (betawho) wrote in doctorwho, 2012-12-24 08:37:00 betawho betawho doctorwho 2012-12-24 08:37:00 Previous Share Next Betawho Advent Calendar: Day 24 Title: Merry Christmas, Doctor WhoArtist: DV8R71Medium: Art (Photomanip)Summary: All the Doctors wish you a Merry Christmas.(Click on the image for larger version.)Betawho 2012 Advent Calendar Tags: art Post a new comment Error Comments allowed for members only Anonymous comments are disabled in this journal We will log you in after post We will log you in after post We will log you in after post We will log you in after post We will log you in after post Anonymously switch LiveJournal Facebook Twitter OpenId Google MailRu VKontakte Anonymously default userpic Insert Bold Insert Italic Insert Underline Insert Strikethrough Insert Link Insert LJ User Insert Photo Insert Media Your reply will be screened Your IP address will be recorded Post a new comment Preview comment Help 0 comments Post a new comment 0 comments wander_realtai wrote in doctorwho: ←Fan art: Eleven and Amy, and Snow Falling Like Stars radiofreeskaro wrote in doctorwho: →Radio Free Skaro #342 - Cinephiles And Audio Files


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More Articles
- Is Annuity Inheritance Taxable?
- Can You Rollover an Inherited Qualified Annuity?
- Is A Variable Annuity Death Benefit Taxable?
- Can I Deduct My Surrender Charges in My IRA?
- How to Surrender an IRA Variable Annuity Before Age 70 1/2
- What Are the Differences Between a Future Annuity & the Present Value of an Annuity?
An annuity is a way to receive periodic cash payments for a set period or for the rest of your life. You buy an annuity contract from an insurance company and make one or more premium payments to fund the policy. The cash value of the contract equals the premiums paid plus the earnings on those premiums. You can surrender a contract until the annuity payments begin.
Annuity Phases
You build up your annuity's cash value during the accumulation phase. In an immediate annuity, you pay a lump-sum premium and begin receiving payments right away. If you buy a deferred annuity, you can make multiple premium payments and invest the premiums at a fixed interest rate or in variable investments, such as mutual funds, stocks and bonds. On the annuity date -- the start of the distribution phase -- you must decide whether to begin receiving periodic payments or withdraw the cash value. Removing the cash value before the annuity date is called a surrender.
You make your final premium payment on or before the annuity date. If you decide you want out of your contract before the annuity date, you can surrender the policy and receive the surrender value -- the cash value minus the surrender charge. The insurance company tacks on this charge to ensure it doesn't take a loss on the contract. Normally, the surrender charge declines over time. On or before the annuity date, the surrender charge disappears. Normally, by the time you pay your last premium, your contract's surrender value is equal to its cash value. In other words, you surrender value increases after the final premium payment.
Guaranteed Payments
Life annuities make payments until you die. You might fear that you'll pass away soon after annuity payments begin. To allay these fears, insurance companies offer guaranteed payment contracts that pay out for a period certain, even if you die before the period ends. The post-mortem payments go to your beneficiary. The contract may also offer a death benefit equal to or greater than the remaining cash value. Your beneficiary can take the death benefit as a lump sum or may convert the amount into an annuity to stretch out the payments and the tax on those payments.
The part of each annuity payment that stems from your cost basis is tax-free. You have to include the remainder of each payment in your taxable income. If you have a qualified annuity -- one that resides in an individual retirement account or employer plan -- you generally have no cost basis and the payments are fully taxable to you and your beneficiary. A non-qualified annuity's cost basis is the total of the premiums you paid in less any loans or withdrawals. You and your beneficiary can figure the taxable portion using the IRS General Rule. Payments from a Roth annuity are tax-free. If you surrender a non-qualified policy, any surrender charge reduces the profit or increases the loss on the contract. This lowers your tax bill. The profit or loss is the cost basis minus the surrender value. You can't deduct a loss when you surrender a qualified annuity.
References (6)
- U.S. Securities and Exchange Commission: Variable Annuities: What You Should Know
- CNN Money: What Payout Options Do I Have?
- LearnBonds: Annuity Death Benefits – What You Need to Know
- Kiplinger: How Annuities Are Taxed
- Internal Revenue Service: Publication 939 General Rule for Pensions and Annuities
- Kiplinger: A Lifetime Stream of Tax-Free Income
Resources (3)
Photo Credits
- Siri Stafford/Digital Vision/Getty Images


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This job was posted over 30 days ago. This means the position is now most likely filled & no longer available.
Location: Anywhere - Looking for: Programmers
Posted by Snake55555 on
We are looking for someone with experience programming in the source engine. We are looking to make a source mod that simulates a virtual office that can be used by companies and groups working on projects to better manage their assets.
1. A good knowledge of the Source Engine.
2. Skype.
3. The ability to work with others.
Send examples of your past work in the source engine (if any) to email@example.com


text:
Wedding Favors
Favors By Type
Favors By Season
Favors By Theme
Favors Packaging
Ceremony Supplies
Reception Supplies
Bridal Party Gifts
Bridal Shower Favors
Favors Packaging
Bridal Shower Decorations
Bridal Shower Supplies
Bridal Shower Games
Bridal Shower Gifts
Invitations & Stationery
Please upload a photo that has a resolution of at least 300 dpi at its print size and is in one of the following file formats: jpg,pdf. The file must not exceed 10MB. Beau-coup will not crop or retouch your photo and is not responsible for the quality of uploaded files. By uploading an image, you agree to our terms and conditions.
1. Customer is responsible for owning the copyright or having permission from the copyright holder for all images uploaded to this website. Customer agrees to hold Beau-coup harmless from any claim arising out of the use of copyrighted material.
2. Beau-coup may choose not to publish any images found to be offensive.
REVIEW SNAPSHOT®by PowerReviews
(based on 8 reviews)
of respondents would recommend this to a friend.
Ratings Distribution
5 Stars
4 Stars
3 Stars
2 Stars
1 Stars
Best Uses
Reviewed by 8 customers
Displaying reviews 1-5
Previous | Next »
Simplicity and style!
Comments about Beau-coup Personalized Pyramid Favor Box:
i use it as a box for jewelry
Bottom Line Yes, I would recommend this to a friend
(1 of 1 customers found this review helpful)
More than I expected
By bagpusher
from Temple, Texas
About Me Value Oriented
Best Uses
Comments about Beau-coup Personalized Pyramid Favor Box:
Purchased these favor boxes for my son's wedding rehearsal dinner. Wasn't sure how they would look but was pleasantly surprised upon their arrival. They were very nice for the money and will be a nice touch at each place setting of the rehearsal attendees. I plan on filling them with fancy almond candies.
Bottom Line Yes, I would recommend this to a friend
(1 of 1 customers found this review helpful)
(1 of 1 customers found this review helpful)
By KH
from Phoenix, AZ
About Me Frequent Host
Best Uses
Comments about Beau-coup Personalized Pyramid Favor Box:
These favors were gorgeous! I ordered the silver pyramids with the pink lettering and they turned out great. The only downside was that there weren't any instructions, and we had a hard time putting them together...but it was also late at night!! Turned out so beautiful and elegant!
Bottom Line Yes, I would recommend this to a friend
(1 of 1 customers found this review helpful)
stand out on the table
Best Uses
Comments about Beau-coup Personalized Pyramid Favor Box:
filed up with candies, or a litlle gift, the different option with or without ribbon, logo..etc..is wonderful.
Bottom Line Yes, I would recommend this to a friend
I will buy this product again!
Best Uses
Comments about Beau-coup Personalized Pyramid Favor Box:
These boxes worked out great for my occasion. I will be ordering again for a different event. All the guest loved them.
Bottom Line Yes, I would recommend this to a friend
Displaying reviews 1-5
Previous | Next »
Dare not to be square! These personalized pyramid favor boxes have a one-of-a-kind shape that can turn ordinary wedding favors into extraordinary delights.
Choose from two distinctive paper types: Matte or Metallic. Matte pyramid boxes are made of medium-weight cardstock in your choice of 12 vibrant colors. Metallic boxes are made of heavyweight cardstock in your choice of 12 metallic hues. Pair with optional satin ribbon in a coordinating or contrasting color: azalea, black, brown, ivory, light blue, light pink, and white. Ribbon measures 18"L x 0.38"W.
Each four-sided pyramid box can be personalized with a design and/or text on either the same box side, or on opposite box sides. For custom images or artwork, select custom artwork for a $45 fee at the bottom of the design list. Custom artwork or image must be in black and white and at least 300 dpi in jpg format. Customize with the message and font of your choice (maximum of 20 characters per line) and select from more than 25 designs for all occasions. Boxes measure 3"L x 3" W x 3.5"H. Some assembly required.
Processing time is the time from when the order is placed to when it leaves our warehouse. This varies by product.
Shipping time is the time from when the package leaves our warehouse to when it arrives at your door. This varies by shipping method.
Shipping internationally? Read our International Orders FAQ for information on custom duties, export restrictions and more.
* Shipping options and estimated delivery dates apply to orders shipping within the 48 contiguous United States only.
Shipping Charges
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Personalized Mini Rolling Suitcase Favors
These chic mini rolling suitcase favors are just what your destination wedding, travel themed bridal shower or birthday party calls for. Make them your own by filling them with your favorite treat and personalizing with a tag or label. ... View Product
Clear Favor Boxes
Show off your favors in these stylish clear favor boxes. Perfectly sized at 2"x 2"x 2", this plastic box is ideal for showcasing personalized candy or trinkets A unique and fun packaging idea for wedding favors or baby shower ... View Product
Mini Travel Suitcase Favors
Having a destination wedding? Fill these adorable mini suitcase favors with your favorite airplane snack and personalize them with a matching custom label to create your own unique wedding favors. Great for any travel-themed event, too! View Product
Mini Acrylic Favor Box
Contemporary clear acrylic boxes are a chic choice for showcasing wedding favors. Best of all, they're perfect for all occasions, including baby showers, weddings, bridal showers and birthday parties. Fill with candies or a trinket and show them off! ... View Product
This item has one or more options that are currently out of stock. If you would like to be notified by email when it becomes available, please enter your email address below.


text: SacTown's Finest is coming home SacTown's Finest is coming home The Sacramento Kings were going to bring home a native son one way or another for the 2016-17 season. They called former Oak Ridge High standout Ryan Anderson at 9:01pm PST with an offer to open the free-agent bidding. They selected Elk Grove's Marquese Criss with the 8th overall pick in the NBA Draft.


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Saints Row: The Third Launches Gangstas in Space DLC This Week
Written Monday, February 20, 2012 By Lee BradleyView author's profile
The new DLC for Saints Row: The Third has been revealed. Called "Gangstas in Space," it will hit tomorrow, Feb 21st.
"From the visionary mind of big-shot Hollywood director Andy Zhen, the Saints are back once again to complete the final scenes for their future blockbuster, Gangstas In Space," says the official website.
"Starring the Boss and introducing Jenny Jaros as Princess Kwilanna, you'll experience action, drama, blow-up dolls, and one hell of an alien invasion through a series of new missions."
Sounds just as ridiculous, and possibly just as hilarious, as the game's previous DLC then. It will cost $6.99, or nothing if you have the Season Pass.


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Robin Williams Was at His Finest in One of Last Movies Before Death
9/3/2014 5:00 AM PDT, by Sarah Taylor
Warning: the above clip contains profanity -- hilarious profanity in the way only Robin Williams could pull off. Enjoy!
In one of Robin Williams' final films before his untimely death, he played a role in a movie called "The Angriest Man in Brooklyn," and you wouldn't have known from his stellar, hilarious performance that he was anything but one of the most the talented, on-point, genuine, and seemingly together men in Hollywood.
The movie's no "Hook" or "Mrs. Doubtfire," but we realize that you probably gathered that from the movie's title that it wasn't going to be a family feel-good movie that Williams, in addition to some of his dark comedy, was also known for.
Enjoy it -- it's Robin at his most versatile finest.
Filed Under: Robin Williams , Photos , RIP


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