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The Department of Revenue has posted the proposed 2011 penalty schedule for those who are able to afford the purchase of health insurance but fail to do so. The Massachusetts Health Care Reform Act of 2006 requires most adults 18 and over with access to affordable insurance to obtain it, and requires DOR to announce a penalty schedule for individuals who do not comply with the law.
The penalties for individuals between 150.1 percent and 300 percent of Federal Poverty Level (FPL) are equal to half the cost of the lowest priced Commonwealth Care enrollee premium as of Jan. 1, 2011.
For those between 150.1 percent and 300 percent of FPL (up to $32,496 for an individual or $66,156 for a family of four) the annual proposed penalty is unchanged from last year. For example, an individual who is between 250.1 percent and 300 percent of FPL paid a maximum penalty of $58 a month ($696 annually) in tax year 2010 and is proposed to pay the same penalty in tax year 2011. The same penalty is proposed for a family of four with earnings not in excess of $66,156; however, the penalty is multiplied by two if both parents are uninsured.
Individuals with incomes up to 150 percent of FPL (or less than $16,248) are not subject to the penalty and are not required to pay an enrollee premium for Commonwealth Care health insurance. Neither is a family of four whose income does not exceed $33,084.
For those ages 18-26 whose income exceeds $32,496 or 300 percent of FPL, the penalty for tax year 2011 is proposed to equal to half of the lowest priced individual Commonwealth Choice Young Adult Plan premium without drug coverage or $72 per month ($864 annually), up from $66 per month ($792 annually) in tax year 2010.
For those ages 27 and older whose income exceeds 300 percent of FPL, the proposed penalty is equal to half of the lowest priced individual Commonwealth Choice Bronze premium with drug coverage or $101 per month ($1,212 annually), up from $93 per month ($1,116 annually) in tax year 2010. Again, this penalty is multiplied by two if two parents are in the family.
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With the tax season now in full swing, there are several resources at your fingertips to make filing your taxes hassle-free. Enhanced Website Earlier this year, we launched a new DOR homepage, making it faster now to find exactly what you need to file and …Continue Reading Your Mass State Taxes Made Easier
3 Steps to Catch Up on Back MA Taxes While Avoiding Penalties posted on Mar 4
Watching a game-winning goal in overtime is as exciting as hockey gets. With DOR's MA TAX AMNESTY 2016, you can stay out of the penalty box by paying only what you owe. Read on to find out more. What is MA TAX AMNESTY 2016? It's …Continue Reading 3 Steps to Catch Up on Back MA Taxes While Avoiding Penalties
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The Geek Feminist Revolution
Startling in its openness and honesty, The Geek Feminist Revolution will captivate you from the first page with its wit and gravitas, its rage and its joy, its tactical profanity and moving eloquence.
I hate people's end of year wrap ups. I hate the end of the year, when I feel like I'm in a worse place at the end of the year than I was at the beginning. There's also so much hope and promise in the New Year, and then you get to the end of the year, and all I end up thinking about is what I didn't accomplish instead of what I did. I've been writing such an incredible amount of churn work in the second half of the year that I'd all but forgotten some of the successes I saw at the beginning of the year (fiction is not nearly as lucrative for me as freelancing as yet – and the checks come on time when I freelance).
I know that some of this frustration comes from friends, family, colleagues and even fans telling that GOD'S WAR should be "doing better." I know they mean well, but for a little unclassifiable book with no marketing budget that came out from a small press that's been struggling to stay afloat the last few years, I think GW has done pretty well. All things considered, you know.
But here's the thing, folks – no matter what I think about my books, and their prospects, what I think doesn't matter. How well GW and its sequels do from here on out isn't up to me. It's up to you guys. It's up to the fans. I can make sure the book gets into the right hands when it first comes out, and I can be visible in social spaces, writing guest posts and participating in conversations and going to conventions when time and money permit, but books don't generally get sold by authors. They get sold by readers. I can't pump more marketing effort and money into a book that came out in 2011.
I have to write the next book. And the next book. And the one after that.
I can't control the publishing world. I can't control this business. I can't control what goes on my covers. If I get Nyx in a sexy butt UF pose on my UK cover in May, I can't control that. I can't control my US publisher's distribution or cash flow issues. All I can do is write good books, and maybe ensure that they're sent to people who might like them. But I can't control whether or not those people read them, or write about them, or share them, or recommend them.
All I can do is write books.
And that's an important thing to remind myself of here at the year's end, when the last thing on earth I want to be doing is writing fiction. Writing fiction used to be something I did to channel my anger. Now writing fiction is what makes me angry. It makes me question my choices, and try and figure out what I could have done better. Should I have waited and signed with a different publisher? Should I have worked harder on those first 50 pages? Should I have spent more time and money on the GW launch and the launches for the subsequent books, relationships and other deadlines be damned? Should I have funneled less effort into my day career and more into the fiction? Should I have said yes to more opportunities? Should I have turned down more freelance work? I don't know.
All I know is I have to write more books. Better books. Because that's what I know how to do.
Should I also learn how to make smarter business decisions? Probably. And now that I know a few more things about how sub rights and payments and contracts work, I likely need to make smarter decisions about those too. But that's all what-ifs and why-fors, and that doesn't help me with things that have already come to pass. They're simply learning experiences that help me do better in the future. Because you can't go back. Only forward. Ever fucking forward.
So here's my ruminations on the year that was: I learned a lot. I did better than I thought I'd do. I met a lot of fantastic folks. Had a bunch of fun experiences. Did I get everything I wanted? Of course not. If that'd happened, what would I have to look forward to, or get better at? Was there some frustration? Of course. It's a frustrating business. But along the way, I feel like I learned to write better books – however well they sell in the long term, the one I wrote in April was better than the one I wrote in 2007. That's progress.
But because I've been melancholy the last day or two, I decided to lay it all out here on the page, which is the way I usually process stuff. I needed to see exactly what I thought I'd accomplished, and what I thought were setbacks, and where I wanted to be this time next year. Or maybe the year after. I wanted to see where I'm going. If you'd asked me last year what I'd hoped to achieve, I'd have said, "GW would sell 10,000 copies and I'd get another book contract." And you know, I did that. So it's not like I can complain over here. Only ruminate.
Milestones, Events and Accomplishments
Set backs
I'm currently reading Nate Silver's book, The Signal and the Noise, and he talks about this baseball player who the scouts all said would end up being a crap player, but the stats guys said that he'd do well. When Silver went to go and talk to him, the baseball player basically said he had no time to talk. He was too busy playing ball. And the rest of the stuff? Didn't he want to talk to Silver about stats and what people thought of him? "I don't give a shit," was the player's reply.
And you know? He didn't.
When it came down to it, Silver said, what made the difference between this player's success and that of some of the others in his position was that he didn't listen to what other people thought of his chances. He just focused on the game. He didn't let their bullshit get in the way of his playing. He honestly didn't give a shit about all the stats and social commentary on his performance and the ridiculous business politics of baseball. He focused on the game. And he went on to become one of the game's most successful players in subsequent years as he honed his craft. Other players in his situation might have listened to the noise. Might have let it fuck up their game. But not this guy. He turned it all off and focused on being better.
If I have learned anything this year, it's that I need to have a singular focus: being better. It's the noise that starts to rattle you. It's the stuff you can't control. It's listening to voices who say out loud stuff you're worried over. It's gnawing on the same old bones, the same old grievances, instead of focusing on the game.
It's time for me to stop listening to the noise, and start playing again.

subset: commoncrawl


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Fed's Easing Yields a Hidden Benefit
The Federal Reserve has been explicit about why it has been holding short-term interest rates near zero and has purchased $2.5 trillion in Treasury and government-backed mortgage bonds to push long-term rates to once-unimaginable lows:
Not only does it hope cheap money will make borrowing and spending more attractive to businesses and consumers. It also wants to chase investors out of super-safe U.S. Treasurys and mortgages and into stocks, corporate bonds and other assets riskier than Treasurys. Boosting those prices, the central bank figures, will make households richer, increase the value of collateral that banks hold against loans and encourage executives—always happier when stock prices are rising—to invest.
Chairman Ben Bernanke and his allies at the Fed think all this is working as they had hoped, though they caution regularly that it isn't enough to resuscitate the U.S. economy nor is it without risks. Critics argue that it isn't doing much good—and that the risks are greater than Mr. Bernanke realizes. Now new Fed governor Jeremy Stein, a Bernanke backer, is arguing this bond-buying might have hidden benefits.
One oft-cited risk the Fed is running is that keeping rates very low for a long time could lead investors, big and small, to take ever-greater risks as they seek investments that promise better returns. That, in turn, could create a new set of financial bubbles. "These concerns should be taken very seriously, and a lot of work at the Fed is devoted to monitoring such risks," Mr. Stein said in a speech last month. "[T]here is some qualitative evidence of reaching-for-yield behavior in certain segments of the market, but we are not seeing anything quantitatively alarming at this point. Of course, the worry is that one often sees only the tip of the iceberg in these kinds of situations."
It isn't hard to spot bubble candidates. The price of farmland has been soaring. The U.S. Department of Agriculture's measure has risen 28% in two years. And Merrill Lynch's index of high-yield debt—borrowing by companies politely labeled "below investment grade"—is up 12% in the past year.
But Mr. Stein pointed to one way in which the Fed's bond-buying, quantitative-easing extravaganza might be contributing to financial stability. It is encouraging companies to rely less on short-term borrowing. That is welcome. "A major source of problems during the recent crisis," he said, was that firms, particularly in finance, "were relying too much on short-term debt." That left them exposed when markets panicked in 2008 and rolling over short-term debt became difficult, often impossible.
Before Mr. Stein left Harvard for the Fed, he and colleagues Robin Greenwood and Samuel Hanson showed statistically that when the federal government does a lot of its borrowing at shorter maturities, companies tend to do a lot of their borrowing at longer maturities, and vice versa. By reducing the supply of long-term Treasurys in the market, the Fed's heavy purchases are akin to the government borrowing more short-term.
There is a wrinkle. While the Fed is subtracting from the market's stock of long-term Treasurys, the Treasury itself seems to be fighting the Fed. It is adding to the supply of long-term Treasurys by selling more of them. The average maturity of the Treasury's debt outstanding has been growing for years. At the end of September, it was 64.4 months, well above the 30-year average of 58.1 months.
The Treasury's official explanation: We're trying to finance the government at the lowest cost to taxpayers. We aren't using a borrowing mix to influence the macro economy, and we aren't coordinating with the Fed on this. As the chart accompanying this column illustrates, the Fed's recent purchases of long-term Treasurys have more than offset the Treasury's moves in the opposite direction.
Business is reacting as the academics predicted: 77.8% of non-financial corporate borrowing is for a year or more at the 2011 tally, up from 69.7% just before the crisis, according to the latest Greenwood-Hanson estimates. Their chief financial officers are taking advantage of long-term rates they don't expect to see again in their lifetimes. Financial firms are doing the same, with an extra prod from regulators pushing them to be less vulnerable to droughts in the short-term money markets. "All else being equal, this development is a good thing from a financial-stability perspective," Mr. Stein argued.
Indeed it is—with a caveat. If borrowers are going long, so are investors. And when interest rates rise, as they surely will, investors will have big mark-to-market losses. (When bond yields go up, bond prices go down.)
For buy-and-hold investors like pension funds, that isn't a big deal; for others, it can be destabilizing. Fed old-timers recall 1994: The Fed raised interest rates after a long plateau, startled the bond market and sank Orange County, Calif., and a few other bond investors.
For that reason alone, the Fed is going to be very loud in advance about plans to sell bonds and raise rates when the time comes.
Write to David Wessel at firstname.lastname@example.com


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2001 Jeep Cherokee SUV Limited 2WD 4dr SUV (4.0L 6cyl 4A)
I have the 2WD model and it's UNSAFE
on any kind of wet pavement - in snow,
rain, or even if someon's watering
their lawn. If the road is wet, I have
to be VERY careful about applying the
brakes or making a turn. It's too
light in the back and fishtails even
at very low speeds. Forget about
driving it in any kind of snow/ice. I
wish I'd bought the base 4x4 instead
of the 2WD Limited, but living in
Dallas I didn't think I'd use 4x4. It
also has an annoyingly LOUD humming /
vibration when idling in cold weather,
and it's very noisy on the road.
Heated seats; great visibility all around; good clearance for parking in fields or going over speedbumps :)
Fix that swishy backend.
2001 Jeep Cherokee SUV Limited 2WD 4dr SUV (4.0L 6cyl 4A)
I've driven jeeps for the past 5 years
and have been pretty happy overall. If
jeep had continued to manufacture the
Cherokee Limited I probably would have
continued to drive it. However, I did
experience a number of recurring issues
on both my Cherokee and SE models that
proved extremely annoying.
EXCELLENT acceleration! Good leg room, comfy interior, smooth steering and above average stereo system.
Bring back the Cherokee! Put spare tire underneath to give more interior storage area.
2001 Jeep Cherokee SUV Limited 2WD 4dr SUV (4.0L 6cyl 4A)
I have really enjoyed using my jeep
for day to day driving as well as
takeing trips.
I like the size of my jeep. I all so like that it does not take to much gas to run.
If i could change something about the jeep it would be the size of the back seat door it is not quite large enough for some people.
2001 Jeep Cherokee SUV Limited 2WD 4dr SUV (4.0L 6cyl 4A)
This is our second car, the other being
a Grand Cherokee. When the announced
the last of the classic Cherokees, we
headed out and bought a fully loaded
Limited version to keep long term. This
is our third Cherokee and we love this
vehicle. It is powerful, fun to drive,
rugged good looks, comfortable and it
was the most vehicle for the money I
have ever seen. It has never let us
down and has had not one problem with
anything. I have a few issues but
overall, this last of the Cherokees was
the best of them all. If you don't have
to drive the most refined vehicle
around, this Jeep's for you.
Equipment level comparable to a Cadillac, awesome power to pass with confidence, great mag wheels, nice wood trim integrates well with Jeep style dashboard, heated leather seats, fun to drive and fairly roomy.
Better quality leather, soft dash would be nice and a better back seat. Otherwise, I wouldn't change anything.
2001 Jeep Cherokee SUV Limited 2WD 4dr SUV (4.0L 6cyl 4A)
It's classical style combines with top notch performance for an excellent style. Peforms perfectly in any condition, from the interstate to blazing it's own trails across a mountain. The limited includes all the comforts you need for a classy vehicle, but retains all the capabilities that Jeep is renowned for. I'll be a Jeep owner for life!
Off-road ability (4WD), Leather seats, appearance, sound system
More roomy would be nice. Could use more aggressive tires (comes stock with good cross tires-good onroad and off, but a bigger tread might be better for deep mud)
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The Constitution tests the president's loyalty to the government which it created in two ways: the oath requirement and the natural born citizen requirement.
While the Constitution requires an oath of every federal office holder, it prescribes an oath only for the President. That oath is NOT to this country, but rather to the government which the Constitution established in this country. In other words, the President could not simply be loyal to this country under any government (such as the first government under the Articles of Confederation) but the President must be loyal to the government which was established by the Constitution – the government which created the Office of the Presidency.
A natural born citizen is not simply a person born in the United States to parents who are its citizens, such as Zachary Taylor. Rather, a natural born citizen is a person who is born with sole allegiance to and protection of the government established by the Constitution, without particular regard to parentage or location of birth. Perhaps a natural born citizen must be born in the US, but not all US-born people are natural born citizens (see Zachary Taylor). Perhaps a natural born citizen must be born to two US citizen parents, but not all people born to two US citizen parents are natural born citizens (see John McCain).
The Constitution exempted many US-born people from having to satisfy the natural born citizen requirement because they were Citizens of the Untied States at the time of the adoption of the Constitution. The Constitution did not exempt these US-born people by accident. The Constitution exempted these US-born people for a deliberate cause: they were not natural born citizens because they were born in the US under the government established by the Articles of Confederation (or born in the US under no government at all.) The Constitution was a revolution – a coup d'etat – against the government of the Articles of Confederation. Neither a person born under the government established by the Articles nor a person born under the government established by the British Sovereign is a natural born citizen.
Barack Hussein Obama II was born a US citizen in Honolulu. But he was also born a British subject in Honolulu. For this reason, like Zachary Taylor, he is NOT a natural born citizen of the Untied States.
The Constitution alone tells us so.


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- Home
- Hair Extensions
- Remy
- 100% Virgin Brazilian Remy Human Hair Weave / Extension
- Home
- Hair Extensions
- Virgin Unprocessed Remy Hair
- 100% Virgin Brazilian Remy Human Hair Weave / Extension
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Product Description
Material: 100% Virgin Remy Brazilian Unprocessed Human Hair
Length: 12-14, 14-16, 16-18, 18-20, 20-22, 22-24, 24-26, 26-28"
Example: 14" when hair is wavy, 16" when hair is straight -> 14-16"
Color: Natural Dark
Style: Body Wave
Quality: No shedding, no tangles, top quality
Grade: AAA
Weight: 100g
Q. How much do I need?
A. 1 pack=100g is enough for 4 to 5 tracks up to 18" hair
If you are getting a full head weave, the average person needs about 2 packs / 200g of hair, although it is advised to go with 3 packs / 300g for more fullness.
Q. What is Remy Hair?
A. The highest-quality extensions.
Remy hair still possesses the cuticle layer, which is the outermost part of the hair strand; it resembles shingles on a roof.
All remy hair has the cuticle layer of the hair flowing in the same direction, flowing the way it would naturally.
The cuticle layer is important when concerned with hair tangling, longevity of the use(up to one year), and how well the hair shines.
When the cuticle layer is intact and lying flat, the hair is capable of reflecting light, so that the hair shines.
Q. What type of hair care products should I use?
A. Treat this hair just as if it was your own hair. Use good quality shampoo and conditioning products.
Conditioning the hair is very important to keep it soft and manageable, so use a good leave-in conditioner.
You can also use products like gel and hair spray to keep the curls in place, but make sure to wash your hair and do not leave in these products for a long time.
Q. Why are my hair extensions getting tangled?
A. Things that can cause your hair extensions to get tangled:
- Dryness
- Oil & dirt build-up
- Salt-water
- Chlorine
- By not combing (wide tooth comb) out your hair daily.
Make Sure to wash & condition your hair at least once a week, twice a week is better.
Consult your stylist for more help.
If the hair is non Remy Hair and it is not 100% virgin human hair, it may tangle sooner and not last you as long as 100% Virgin Brazilian hair.
Q. How long does it last?
A. This hair will last for a very long time depending on how you maintain it. Treat it like your own hair and take very good care of it.
Many hair extensionists prefer Brazilian hair because it is beautiful and unprocessed which makes it last longer than any other kind of hair.
General Care
The following provides general guidance for the care of human hair.
As each individual product may vary, consult your hair stylist for specific instructions
- Wash and condition hair regularly
- Detangle hair gently before washing. Do not rub or twist hair
- Add mild shampoo to cool water and swish hair till clean. Rinse thoroughly.
- Blot out excess water with towel and allow hair to dry naturally. Do not expose to sun
- Comb curly hair gently with your fingers from end to top. Do not brush
- Brush hair in a downward motion starting at the ends and work your way up to the roots.
- Hair may tangle if general care directions are not followed properly.
Product Reviews
Not What it says it is.
Posted by Unknown on 10th Jun 2013
I rarely write reviews unless i am really passionate about my opinion on the product. At first this hair seems soft and lovely, Loved it when I first got it installed. But after the first wash it tangled like crazy. Lots of shedding. So much hair as come out in the brush it is almost as if I only installed one bundle....and Ive only had the hair for two weeks. I went to get a wash and set and it took two girls and 40 minutes to get all the tangles out. Needless to say the weave is very thin in my hair and I had to remove it.
Bottom line---not worth it.
Please keep in mind Unprocessed Hair will tend to shed more than Processed Hair. That is why we include a free Tracker Sealer. Also, you must condition the hair very well or yes it will tangle just like any long hair will. If you simply just wash the hair the results will be what you got. Please understand Shampoo is will strip everything out the hair even moisture that is why conditioning is so important. Also, you can find many guides on the internet and youtube on how to take care of Brazilian hair. Just keep in mind that conditioning before and after shampooing is very important. You can never get enough conditioner even leave in. If the hair drys out or if you rub the hair while wet or during the drying process then it will cause tangles.
Great Virgin Hair at a GREAT price!
Posted by Happy Customer :) on 15th Apr 2013
This hair is great! Beautiful texture and very soft. I purchased it with the intentions of dying the ends with an ombre effect, and it came out beautiful! The hair is just as advertised. However I do experience some shedding and tangling... even though I sealed the wefts. I don't mind it though! I'm super happy with this purchase and I'll be sure to buy it again!
Side note: I had to buy THREE bundles to achieve the look I wanted. In my opinion, one or two bundles isn't enough!
Posted by NEW COMER on 23rd Feb 2012
This is my first time getting a weave and heard how AWEESSOOOMMMMEEEEEEE Virgin Brazilian body wave hair was. I just got my order today, and it came much faster than I expected! Then I took the hair out and it is ABSOLUTELY GOOOORRRRRRGEOUS!!!!!! This business is on point!!! Wonderfully packaged and hair IS TRULY AS DESCRIBED AS ABOVE!!! Side note, hair is soft and thin, so they werent kidding when they said get 3 for fullness. I got 2, so its not too bad on volume. Your price is WONDERFUL as well!!!! Best customer service and just TOTALLY AWESOME!!! Definitely purchasing from you again. AND LADIES, GO FOR THE 100% VIRGIN BRAZILIAN HAIR!!! BEAUTIFUL TEXTURE AND I LOOOVVVVEEEEEE IT!!!!!
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ArmA III Latest News
Arma 3 storms the gates of Eden with new update
I admire the Arma games--from a great distance. I'm fascinated by hardcore simulations, particularly multiplayer focused ones, but I want no part of participating in them. If you're the sort who does play these games, there are two things I'd like to say. First, you are a very cool human being. Second, Arma 3's Eden update is launching today.
Bohemia Interactive releases ArmA 3 community guide on defensive gameplay
Bohemia Interactive has released a new comminity guide in co-operation with Andrew Gluck (better known as Dslyecxi) to explain the principles of conducting an effective and efficient defense. The video is a part of a long series of guides covering the basics of ArmA 3.
Bohemia Interactive reveals 2015-2016 roadmap for Arma 3
Bohemia Interactive has unveiled its 2015-2016 roadmap for military shooter Arma 3, which includes two free platform updates leading up to a larger expansion set for release in the second quarter of 2016.
First up is the Nexus Update, which is due this November. This includes some pretty major changes, including a stamina and fatigue system, personal protective equipment, and a revamped version of the End Game multiplayer mode. Finally, Bohemia's introducing 'Arma 3' Units, which is described as "a web-based service that aims to connect players with community groups."
Bohemia shows off Eden Editor for ArmA III, offers beta access to gamers
Bohemia Interactive showed off their new Eden Editor for building ArmA III maps in a live stream, then revealed they're giving beta access to interested gamers.
E3 2015: Bohemia reveals Tanoa, Arma 3's upcoming jungle terrain setting
At E3's PC Gaming Show last night, Bohemia showcased a new jungle terrain set making its way to Arma 3 in the game's first expansion, which is set for release early next year.
Tanoa is a South Pacific archipelago, which swaps the mountains and plains of core Arma 3's Greek setting for lush tropical vegetation, dense jungle foliage, and "imposing man-made feats of modern engineering."


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Rutgers' latest loss against Seton Hall on Thursday night included some familiar trends that have plagued the team all season long. Once again, the Scarlet Knights seemed to fall asleep for a peri...
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I was goin to play ssb melee and turned the wii on and i threw the wiimote on the couch wen i started playin, but wen i was done i turned it off manually, but the mote was still on and i tryed to turn the wii on with it but it did not work so i turned it on manually and used the wiimote to turn it off and now everything is fine. has anyone else had this problem
If the Wii is a sport then i'm an athlete.
Having trouble??? Please PM me and i will help out when ever i can
Sometimes the wii crashes and stays on when you turn power off to the wii, notice you turn it off, but it seems to turn off twice when playing a GC game?
But anyway, yeah, it isn't much of a problem.
Spoiler Alert!Wii Games
Super Mario Galaxy,Red Steel, LoZ:TP , WiiPlay + WiiSports, CoD 3, Metroid Prime 3, Super Mario Galaxy, Super Smash Bros. Brawl
Mario Strikers Charged- 098895 786678
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Certificate IV in Racing - Racehorse Trainer
Certificate IV
|Mid Year Intake?
|Study Mode
|Entry Requirements
An apprenticeship contract
Course Description
This qualification is part of the Racing Training Package. It covers the skills and knowledge required by a racehorse trainer who is responsible for the care, maintenance and racing performance of horses. A trainer at this level has developed a sound knowledge of all aspects of the industry and has acquired competencies that enable performance of all tasks and duties associated with running a racing establishment, including managing staff, finances and equipment. The trainer is required to solve unpredictable problems by the analysis and evaluation of information and demonstrate broad knowledge in a variety of contexts. Knowledge of industry rules and legal procedures is essential.
Subjects you can Study
Core: Comply with the rules of racing and related protocols; Maintain and monitor OHS procedures and environmental work practices; Manage horse health and welfare; Operate horse racing training business. Elective: Supervise handling of horses; Determine nutritional requirements for racing horses; Plan and implement education of horses for racing; Select horses for racing; Assess conformation of horses; plus more
About TAFE NSWRTO code: curriculum
Certificate IVCourse code: RGR40108
15 units: 7 core; 8 elective
Entry Requirements
An apprenticeship contract
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Horse Trainer
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On learning of his selection, McClatchy said, "I'm grateful for the chance to serve this great institution, and I look forward to working with its staff and my colleagues in continuing our mission to encourage and support the arts in America. At a time when similar organizations are financially threatened, it's crucial for the Academy - the oldest and most distinguished such group in this country - to set the standard of excellence in its unwavering devotion to the responsibilities of the human imagination."
J. D. McClatchy is the author of six collections of poems: Scenes From Another Life (1981), Stars Principal (1986), The Rest of the Way (1990), Ten Commandments (1998), Hazmat (2002), which was a finalist for the Pulitzer Prize, and Mercury Dressing (2009). His literary essays are collected in White Paper (1989), Twenty Questions (1998), and American Writers at Home (2004).
McClatchy was born in Bryn Mawr, Pennsylvania, and was educated at Georgetown and Yale, from which he received his Ph.D. Mr. McClatchy has taught at Princeton, Columbia, UCLA, and Johns Hopkins. He now teaches at Yale, where he is Professor of English, and since 1991 has served as editor of The Yale Review.
Mr. McClatchy has also written thirteen opera libretti - for William Schumann's A Question of Taste, Francis Thorne's Maria and the Magician, Ned Rorem's Our Town, Lowell Liebermann's Miss Lonelyhearts; and for Elliot Goldenthal and Julie Taymor's Grendel, among others.
He has received fellowships from the Guggenheim Foundation and the National Endowment for the Arts. He was named a New York Public Library Literary Lion, and has received the 2000 Connecticut Governor's Arts Award. He served as the Chancellor of the Academy of American Poets from 1996 until 2003.


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The National Shag Dance
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The National Shag Dance Championship Dance Team is a group of 4 to 6 couples who perform synchronized shag dance routines. The NSDC chooses new team members each year from current and past NSDC champions and finalists to represent the NSDC at various performances across the USA. Over the years the NSDC Dance Team has performed on TV, sovaldi sale at NBA Games, viagra and at events in NYC, sales Boston, California, and countless other locales.
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1991 Ford LTD Crown Victoria Wagon Country Squire LX 4dr Wagon
This is THE most comfortable car I have ever driven. Sure it is old, but it still has great build quality. There is almost no plastic on it. Nearly everything is metal and chrome. The front bench seat is like a couch, and the velour upholstery is very comfortable. It is also a reliable vehicle; I have never had it not start. The V8 has pretty good power, and it goes well in the snow for being rear-wheel drive. There is plenty of room inside for the family, or for cargo if you fold the seats down. This is the best car ever made.
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Attention A T users. To access the menus on this page please perform the following steps. 1. Please switch auto forms mode to off. 2. Hit enter to expand a main menu option (Health, Benefits, etc). 3. To enter and activate the submenu links, hit the down arrow. You will now be able to tab or arrow up or down through the submenu options to access/activate the submenu links.
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Genre: Action, Drama
Rated: R
Directed by: Nicolas Winding Refn
Starring: Ryan Gosling, Carey Mulligan, Albert Brooks, Ron Perlman, Bryan Cranston, Christina Hendricks, Oscar Isaac
Released by: FilmDistrict
"Drive" to Destiny
As director Nicholas Winding Refn ("Bronson") begins his action thriller "Drive," his leading man is a fascinating guy. Convincingly played by Ryan Gosling, the man known only as "Driver" has nerves of steel, whether he's acting as the wheelman for a daring heist or pulling off a controlled car flip for a Hollywood movie. He's a quiet loner, a seemingly smart guy who works all the angles, with no strings attached.
But then he meets Irene (Carey Mulligan), the lonely mother of a small boy, whose husband is in the slammer. And as Driver's heart melts, his brains go right out the window. When her husband returns from prison, things start to unravel, and Driver quickly finds himself in the middle of a very big, very gory mess.
There's much to like about "Drive," most of which happens in the second half of the film, when the action really heats up. The first half is a slow-moving set-up, with a number of scenes that (oddly and somewhat jarringly) evoke Gosling's acclaimed work in 2010's "Blue Valentine." For as he romances Carey Mulligan, with her blonde pixie cut and big eyes, it's hard to differentiate from similar scenes with Michelle Williams in the earlier film. It's eerily parallel, pulls the viewer out of the story at hand and makes one wonder why Refn and Mulligan decided to crop her hair and dye it blonde for the character, making her look like a clone of Williams.
But as the film begins to really roll over the tarmac, bad things start happening at a great rate, as Driver gets in way over his head in a deal gone wrong. He's up against a couple of ruthless businessmen, played well by Ron Perlman and Albert Brooks (who just might get some awards nominations for this unusual dramatic turn from the usually comedic actor) and trouble just seems to follow him no matter where he steers.
Overall, "Drive" is a well-crafted film that keeps the viewer interested in the unfolding action. But as the film plays out, it is a mystery as to why the leading man devolves so quickly from a sharp, in-control and seriously clever guy to an off-the-rails idiot, behaving in ways that make no sense, especially given who he was at the beginning of the story. Perhaps if the character had actually been given a few more lines of dialogue, it would all hold together. As it is, love seems to be the overriding reason, but for some of us, that just isn't enough to explain why he loses control of the vehicle.
Reviewed by Jenny Peters
The kinds of movies made for foodies, including classics such as Like Water for Chocolate and newer releases like Chef and Ratatouille.
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and something else i saw and pissed me off: the f***ing peds are white also
how can i make the damn cars more colored ??? and with what ?
excuse me for trash talking but this situation really ennoyed me !!
[attachment=4380:White Dead Peds.bmp][attachment=4381:Cool Comet.bmp][attachment=4382:Cool Hotring.bmp][attachment=4383:Cool Infernus.bmp]
P.S. i am using a low-tech (if this word exists) to play vice city that meets vice city's minimum requirements !! CPU - 860MGHz
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VideoCard - 32Mb
i edited the post cuz i realized the problem could be because of my pc !
how can i add images that you can see in the post not this attached crap !!
Edited by Kristy, 30 December 2009 - 08:11 AM.


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Full CoverageOperation Football
E-book buyers entitled to credits in national settlementUPDATED 8:55 AM EDT Mar 26, 2014
The settlements cover April 1, 2010, to May 21, 2012. Buyers of certain e-books from Amazon, Barnes & Noble, Kobo or Apple will get partial credits in their accounts. Buyers of e-books from Sony will receive checks in the mail. Refund amounts are $3.06 for New York Times bestsellers and 73 cents for other books. (READ MORE DETAILS HERE)Video Transcript
INDUSTRY EVENTS, BUT NOT YET AVAILABLE TO CONSUMERS. ER. AND HEADS UP FOR ANYBODY WHO PURCHASED AN eBOOK THROUGH AMAZON.COM. YOU SHOULD BE RECEIVING A PARTIAL CREDIT ALL PART OF A PRICE FIXING SETTLEMENT WITH FIVE DIFFERENT PUBLISHERS. NEW YORK STATE ATTORNEY GENERAL SAYS THE PUBLISHERS ACTIONS WERE ILLEGAL AND FORCED CUSTOMERS ACROSS THE COUNTRY TO PLAY ARTIFICIALLY INFLATED PRICES FOR eBOOKS. HARPER COLLINS IS ONE INVOLVED. AGAIN, PEOPLE WHO BOUGHT BOOKS
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All Articles Tagged "television"
What's With Black Men and Their Love Of "Seinfeld"?
In the 90's, my house was often filled with the plunky, poppy sounds of the "Seinfeld" theme. My dad loved that show. And I loved spending time with my dad, so I'd often be in the room as he watched it. And while my father would be in stitches, hollering at the antics of George Constanza, I would be wondering what the hell I missed.
To be fair, I did find some of the jokes chuckle or smile worthy. Everyone has to react when you see Kramer slide into Jerry's apartment. Still, I just assumed that they were tapping into some kind of elusive, adult humor I wouldn't understand until I was much older. I mean there were plenty of shows my dad watched that I just couldn't get with. "Sanford and Son," "All in the Family," "Cheers," "Frasier." None of them moved me. No doubt, "Seinfeld" was just one of many.
But as I got older, and watched those same shows with my new, "adult" experiences, I realized some of them were actually hilarious. I could do without "Sanford and Son" but "All in the Family" is absolutely brilliant. And today, "Frasier" makes me laugh until I cry. Literally. My sister and I actually had to call my father and thank him for putting us on to this greatness. I love "Frasier" so much that I cried watching the series finale from 2004. Not just because the last episode tugged at all of my heart strings but also because I was sad my sister and I wouldn't be able to watch it on Netflix anymore.
Having developed such a fondness for "Frasier," I assumed that perhaps I had misjudged "Seinfeld" as well. So when my boyfriend asked to watch it, I begrudgingly agreed. Watching the show, I was able to understand the scenarios a little bit better and even what might have made them funny to someone else. But still, all I could manage was a chuckle or a limp smile, no teeth. It just didn't speak to me.
That wasn't the last time my boyfriend and I watched the show. And while it's far from boring, I just can't understand why it had such a cult following. And especially why my father, a forty-something (at the time) Black man living in the Midwest, would find it so relatable and humorous. What did he have in common with the twenty-something Jewish man living in New York City? Furthermore, why did my boyfriend, who was born in South Africa, and raised partially in California, still Black, find it so funny?
I've been so plagued by this question that one day, on my way out of my office, I asked a room full of my coworkers, "Do y'all notice that Black men have a thing for "Seinfeld"?" As soon as the question left my mouth, I thought perhaps it wasn't such a common occurence. Surely, it was just my father and boyfriend who shared this strange obsession. But my first mind was right. One coworker talked about her ex boyfriend's love for the show. She, like me, didn't exactly get it either. Then my other coworker talked about how her Guyanese cousin would watch the show while on the phone with his Trinidadian friend, cackling at the jokes.
The love of "Seinfeld" covered the diaspora.
I mean, we can't forget about rapper Wale, born in D.C., with his Nigerian roots. He had an entire mixtape that paid homage to the show, The Mixtape About Nothing. And the love affair with the actual Jerry Seinfeld grew from there.
What is it?!
Finally, my coworker and friend said that she, a Black woman, thought the show was quite funny too. She explained that the show's appeal was that these White people were being portrayed differently. So, often we see White people portrayed in the media as rich, together and morally sound. But the characters on "Seinfeld" were anything but that. They weren't rich, they were all over the place, and often quite shady in the way they handled conflict and even each other as friends. That's what was so different about the show. That's what was so groundbreaking about it. I get it…but I still don't get it.
Are my coworkers and I the only one confused by the hype?
Have you noticed that Black men have an affinity for "Seinfeld"?
Tags:black men, Jerry Seinfeld, seinfeld, sitcom, television
TV Shows Your Man Can't Stand
Whether we'd like to admit it or not, the guys in our lives put up with a lot from us and will do a lot to make us happy. But the line certainly gets drawn when it comes to some of our favorite TV shows. They loves us, but just not that much when it comes to these series we love, but they loathe.
Tags:guilty pleasures, television
LGBT Characters On TV: Still Not Part Of A "Gay" Agenda
I hate to break it to you – those of you who squirm, balk or shake your head in disgust when two members of the same sex share a steamy love scene on screen. But the wider visibility of LGBT characters of color on shows like Empire, How To Get Away With Murder, Jane The Virgin, Rosewood, etc., is not, has never been and never will be an agenda or ploy to make everyone a certain way or promote a "homosexual lifestyle," whatever that is. Seeing these characters on television, and prime time at that is an opportunity to normalize what is already normal to a community that has long been marginalized. To tell their stories in a humane, non-stereotypical manner. To encourage understanding, shine a light on and bring an end to discrimination against LGBT persons.
Behind all the hateful rhetoric and discrimination embedded in this ridiculous homosexual agenda debate lies a belief that LGBT persons are living in sin (while the rest of us are swimming in…sainthood?). That's a whole other can of worms that I won't fully open, but as far as the subject at hand is concerned, the following is for parents in particular: You determine and monitor what your children watch on television.
Depending on their age, they're probably not watching the on-again-off-again relationship between Annalise Keating and her female lover on How To Get Away With Murder, but regardless, the presence of gay characters on TV will not negatively influence or corrupt your children. Much like the diversity issue that plagues the entertainment world both onscreen and behind the scenes, LGBT characters speak to that. They reflect a more accurate picture of the people that make up this country of ours. The families that consist of two fathers, two mothers, a transgender parent, and so on and so forth. These are people with lives and families and dreams that probably match many of your own. They are not to be feared and if their presence onscreen makes you uncomfortable, good. Get used to it. Gay is not the new Black and unlike Hollywood trends, this normalizing won't go out of style.
Openly LGBT characters can help to erase the stigma that still exists, especially when it comes to the transgender community whose spokesperson now seems to be Caitlyn Jenner. But my guess is she doesn't speak to a large portion of the trans community for numerous reasons, namely her tax bracket and adherence to traditional Republican values. LGBT characters on TV can help us better understand sexual fluidity, sexual orientation, and gender identity.
If you've been keeping up with Empire, you'll know that Jamal, an openly gay character, recently kissed a girl. And, by golly, he liked it. The kiss was both an entertaining and teachable moment. Jamal has identified as gay since the show's inception. Maybe he now considers himself bi. Whatever the case may be, the kiss opened up a dialogue that can offer a better understanding of issues that clearly aren't just black or white. Characters and scenes like this can also clear up the misunderstanding that shows like Empire or Scandal aren't just showing sex on screen, but "gay" sex, which is unfairly deemed as salacious. Or lesbian sex. Or transgender sex. News flash: sex is sex and people, regardless of how they identify, have it. And if there's no designator for "straight" sex, we should toss the labels that attempt to further discriminate LGBT persons because of who they choose to lay with at night.
But even though great strides have been made for LGBT characters on television this year, some for the first time and others continuing the success of a show's previous seasons, the dominant LGBT perspective on television has been mostly White and male. That's why it has been an especially great year for the previously mentioned shows that allow men and women of color to see their likeness reflected on screen. There's power in that visibility. Power that can spark personal awakening, progress, and more great television. The possibilities are truly endless. And once we fully engage in them, perhaps there will no longer be a need for pioneers like Shonda Rhimes to receive awards for showing people loving and living onscreen, people who happen to be lesbian, gay, bi or transgender. But until that time comes, know that the characters and the shows you see on TV are not part of an agenda to promote an LGBT lifestyle, but to offer representation.
Tags:empire, Empire on Fox, HTGAWM, television
Keep It Trill Part II: 15 Black TV Dads Who Played No Games
Parenthood is not all sunshine and lollipops. Sometimes, you have to come correct and keep it trill with the kids. Good cop, bad cop. As Father's Day approaches, we take a look at Black TV dads who did not mess around and faithfully kept it 100 with their offspring. And in case you missed the trill TV moms edition we did for Mother's Day, you can check it out here.
Tags:Cliff Huxtable, empire, family matters, television
15 Child Stars Who Made It And Are Killing It In Hollywood
We've all seen the stories about child stars gone wild. From Gary Coleman and Todd Bridges to Miley Cyrus and Amanda Bynes, making the transition from child star to an adult actor (or musician) can sometimes be rocky and filled with drama. Still, it is possible to make it out unscathed. Let's look at 15 child stars who successfully transitioned and thrived!
RHOA Rewind: 'The Real Housewives of Atlanta's' Most Cringe Worthy Moments
Photo Credit: BravoTV
There has been no shortage of drama on this season of The Real Housewives of Atlanta. From Apollo's prison sentence to Kandi and Todd's never ending issues with Mama Joyce, the Bravo reality show has done more than deliver. But last night's episode was filled with so many awkward moments and namedropping (ahem, Roger Bobb), we almost lost count. Almost. Hit the flip to see the most cringe worthy scenes from the latest RHOA and get a sneak peek at some of the turmoil taking place next week.
RHOA Rewind: 'The Real Housewives of Atlanta's' Most Cringe Worthy Moments
Tags:reality stars, reality tv, RHOA, television
Kill 'Em With Laughter: 15 Black Comedians To Watch In 2015
In 2015, there will be more new TV shows, movies, comedy tours, and Youtube channels featuring Black comedians than ever before. Let's take a look at the 15 black comedians to watch out for this year.
Tags:black comedians, comedy, Leslie Jones, movies, television, Trevor Noah
15 Black Women Making Big Moves In Hollywood In 2015
There is no denying that 2015 has started off with a bang for Black women in Hollywood. We are finally seeing sistas dominating on screen, behind the scenes, and in the boardroom. Let's celebrate Black Excellence as we take a look at 15 women who are doing it big in Hollywood right now.
Somebody Call VH1! Stars Who Need Their Own Reality Show
Who doesn't love this beautiful image of the Knowles and their extended family and friends? The only thing better would be an hour-long reality show that followed Queen Bey, her sis, and her fabulous family as they possibly argued over photos, wedding food, and nearly missed a meltdown when Solange's "Just Married" bicycle caught a flat on the way to the reception.
While we may never get an uncensored look into the lives of some of our favorite celebs, it doesn't mean we can't do a fantasy draft of the top 15 celebs who we think need reality shows. Get on it, VH1!
Tags:beyonce, drake, Lil Wayne, reality shows, Reality television, Rihanna, television
Did You Know Televisions Can Listen To Your Conversation?
Most of us jokingly say "Big Brother is watching" when we talk about the government and technology corporations monitoring people. However The Takeaway reports, your new smart TV may actually be doing just that. New televisions are equipped with a microphone that it is used for voice recognition (a similar function to the iPhone's Siri). The use for voice recognition helps consumers navigate televisions without using a hand-held remote. A half century of progress for the television has The Takeaway drawing correlations between these technological advancements to 1984 and Animal Farm, George Orwell's predictions that people would start to give up their privacy, unsuspectingly. For example, the media outlet noted Samsung's policies state:
"Please be aware that if your spoken words include personal or other sensitive information, that information will be among the data captured and transmitted to a third party through your use of Voice Recognition."
If a person tries to alter the microphone settings on their televisions, they may face felony charges due to the Digital Millennium Copyright Act. This law prevents people from tampering with copyrighted pieces of technology devices.
Michael Price who serves as counsel in the Liberty and National Security Program at the Brennan Center for Justice at NYC School of Law says in order for people to opt out of being monitored is by turning off the internet and disconnecting the television. Consumers won't be able to have their privacy and enjoy the nifty updates to their favorite devices because corporations collect data from each consumer to "cater" to their likes and for advertisers to specify the needs of the companies who hire them.
"It's really easy to turn the internet off. You can disconnect the TV in that way," he says. "But it presents a really unfair trade off: You get to either use all these really nifty new pieces of technology that you bought and paid for, or you can have your privacy. But right now, it doesn't seem like we can have it both ways. That's what has to change."
To understand other ways how your television may be collecting data from you, listen below.


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The Most Helpful Santander Bank Reviews
The most helpful favorable review
Best Experience With A Bank So Far!
I've only had my accounts for about six months. Two people had worked on opening them for me. I had been lucky enough to get in on the Extra 20 Checking and 20K requirement for the Premier Checking which came with some delightful perks of its own. There were only a couple of days left to take advantage of the offers. They worked together as a team, and got me the best deals possible, even making terrific suggestions to protect my savings from fraud.
One of the initial employees made a mistake, and neglected to link the Extra 20 Checking to the Extra 20 Savings account, which was quickly corrected upon my asking about the issue with a third employee. The funds I was supposed to be receiving from the bank appeared in the proper account the next day.
Every time I ask about anything, even one recent unusual request, I am cheerfully accommodated. I would recommend anyone in my area running - to open an account there!
I find it interesting that a lot of the negative reviews I have read are given to the bank so far over human error and electronic system issues, or that reviewer's own errors and/or laziness, like you can reset a ATM PIN at the machine immediately, as long as you didn't lose your card. Their charges for international service are clearly displayed online. Every business you go to has new and uneducated employees; and the laws these days that govern banking means a new or old manager practically needs to be an attorney.
Maybe we consumers need to educate ourselves as well.
I recently had a very bad experience with HSBC bank, which probably would have NEVER been resolved locally. It was like those employees just couldn't be asked, and were blatantly lying to me about the most simple of issues - like telling me they couldn't help me to even make an appointment to speak to someone that could help me, since they couldn't and no one was ever available that could speak to me AND help me.
I finally called their 800 number, they contacted the branch, and all my issues were resolved that day. It is very tempting to buzz on over and give HSBC a scathing review but I wont. I don't think its fair to admonish that entire corporation over the failings of one branch.
I would suggest with questions on any bank or issue, look at the bank's website, and/or call their 800 numbers if you find their local employees cant help you sufficiently.
So far, I LOVE Santander!
The most helpful critical review
Is it any coincidence that "Satan" can be spelled from the name of this bank?
I am a business customer of Santander USA. I was recently locked out of my account for reasons I couldn't understand, for days. Not simple to resolve since there is no 'log in help' button that gives you instantaneous options for resetting your password. You have to call Business Customer Service within business hours. Over the course of three days, I placed 9 phone calls, made one branch visit and spent 4 hours of my time over a password reset issue. In the 9 calls, I would often be cut off--calling the business number I'd end up in the personal banking number due to 'overflow' and then would be cut off in the transfer back. Twice when I got through, I was promised that I would be sent emails that would allow me to reset. The emails never arrived-nor were they in 'spam'. On a third contact the customer service person admitted they had not been able to get emails through over multiple email clients, had major problems since a website update, and that my log in problem was a technical issue on their end that had nothing to do with my log in attempts. He then promised me a 'special' email that would reflect his escalation of my problem to the tech sector. Again, jack sprat arrived.
I should add that I am generally polite patient and understanding and it is a rare experience for me to alienate customer service staff. However, I lost it on the third day/fourth live contact when once again I was promised an email and denied contact with a supervisor after I explained I had been down that road before and needed resolution now. I told the rep I considered this to be a material breach of my bank contract since I did not have reasonable access to my money. Those are the magic words: material breach! Magically an email allowing me to reset my password appeared 10 minutes later.
It is a password reset people. Not rocket science. I will be changing my bank at the first opportunity.
Latest Santander Bank Reviews
DReviewed By davedant Oct 18, 2016
Do not bank with Santander if you want online banking
Quite simply do not bank with this bank if you want online banking which allows you to do online banking. Essentially they have an overactive fraud detection system which will locks you out every time you make an irregular payment or payment to a new payee. To get yourself unlocked for online banking you have to visit a branch. So essentially they are a branch-based bank regardless of what they might like to pretend. I ended up paying my VAT bill by cheque which says it all really.Thank you for your feedback Is this review helpful?
SReviewed By Steveng Oct 13, 2016
Bad bank
They are really shifty bad they dont give a shit about the customer at all they just u money that all . Srew themThank you for your feedback Is this review helpful?
DReviewed By DArias Oct 4, 2016
Deducted Money from my Account even though they declined the charge
It amazes me that went I went to use my debot card and it was denied even though I had money in there, the funds were still removed, not once but twice. When you call, the representatives nor the supervisors are of any help. Now I have to wait up to 4 days to get my money back. What a joke. I have had enough of this bank. I am taking all my money out and going elsewhere. I am tired of this stupidity.Thank you for your feedback Is this review helpful?
CReviewed By chatz Oct 3, 2016
Inaccessible Bank
When the UK exits the common market send Santander back to Spain, good riddance to the jokers.
C/S don't have a clue about the layout and details of the poor online system they operate to reset memorable data. Only at the end it informs you have to wait 4 to 6 days for post to arrive. So you can't access your bank, completely locked out.
Time to contact the ombudsman, we have taken multiple screen images from the website to prove our case.
Time to switch well over due, especially looking at the bad reviews.Thank you for your feedback Is this review helpful?
SReviewed By SantanderSucks1 Sep 30, 2016
Stay Away from Santander!
This company does nothing to protect their loyal customers.
In the end treat you like a criminal
1. On 9/12/2016 my wife's credit was ran by a branch Santander in Cranston, RI without her permission.
2. 9/12 a charge for $2.91 was made at a MacDonald's in Cranston, RI
2. Her online account that was hacked after 7+ years of inactivity. Her passwords were reset. Her ATM PIN was reset.
3. 9/13 $9000.00 was transferred from our savings account to checking. This was "not an issue because it is within their bank."
4. 9/13 3X$800.00 was withdrawn from a branch ATM with a fake card. Cranston, RI
5. 9/14 3X$800.00 was withdrawn from a branch ATM with a fake card. Cranston, RI
6. 9/14 $1215.80 Money Order at the USPS in Providence, RI
7. 9/14 $4950.00 Internal Transfer to another Santander Account Cranston, RI
8. 9/14 $3500.00 Internal Transfer to another Santander Account Cranston, RI
How does this not raise a single red flag?
Then we are never called back by the investigator or anyone other then the branch manager.Thank you for your feedback Is this review helpful?
DReviewed By dangerh33 Sep 23, 2016
1 star - Only because negative stars isn't possible.
From the branch, to the corporate office, to the different customer service dens, I have never in my life experience a more disconnected company. We had a commercial line of credit that initiated with Sovereign Bank and somehow became a commercial loan when the transfer of companies happened. No two people at Santander could explain it to us, give us an accurate number or give me ANY piece of information that was consistent from one phone call to another. This went on for years. Not weeks or months. The only reason we HAD to keep the accounts open was because they claimed we had an outstanding balance.
I am simply amazed that a company of this scope is still in business. Every rep I spoke with over the comically bad service eventually would agree with me about Santander. The most common answer was, "We're a work in progress."
If you enjoy splitting headaches, feeling helpless with your own money, and love 40-60 minute phone calls (85% on hold), then by all means open an account with Santander.
If you value common sense and your money, stay far, far away.Thank you for your feedback Is this review helpful?
WReviewed By Whatajoke Sep 21, 2016
Feeling So Sorry For My Son
My son has experienced the worse and has had so much trouble with this bank. HOW ARE THEY STILL IN BUSINESS? I would NEVER EVER finace a vehicle through this joke of a bank. I will ask again with reviews this bad how are they still in business? People take your business elsewhere for your own peace of mind. They have not reported any of his payments and will not give him what he has requested in writing.....really.Thank you for your feedback Is this review helpful?
HReviewed By Hk7 Sep 18, 2016
Santander stole my money
Piece of shit bank.... took my money when I deposit money into my bank account and cancelled the transaction...slow ass ATM machines...crappy ass bank..Thank you for your feedback Is this review helpful?
AReviewed By ajtky1981 Sep 14, 2016
This BANK is a joke! Let me be clear here. Santander Consumer USA is the finance and loan company. I have financed two vehicles through them. If you pay your bills, they are just fine. Follow your loan and financial agreement, there will be no issues. From what I am told Santander Bank and Santander Consumer USA are two completely different entities. I hope so anyway. I have no complaint for Consumer USA. My issue is the bank only. This bank is the biggest joke I have ever dealt with. Customer service is so completely brain dead it is ALMOST comical. They closed my account a WEEK before they were due to deposit my "new account" bonus of $150. Without an explanation or without warning. They locked my checking account. I had no access to my own money. The only explanation I was given by SEVERAL "manager" was "I don't know what to tell you" Like that is good enough. This bank is a scam and it is a joke. If you need to speak with someone and get ANY help at all, don't bother calling them. Try asking a monkey in the zoo. This place is a disgusting waste of time, energy and money. Where is my money? Who knows, maybe I will get it!? Can I rate LESS than one star?Thank you for your feedback Is this review helpful?
KReviewed By kumk Aug 20, 2016
Very bad service
I closed my accounts and during that process, I was told everything is taken care of and there is nothing to be done from my end. But the next month a auto payment FROM santander went to my other bank and the payment was of course returned as my account was closed. When contacted santander customer care, i was told that it was in the "agreement" i signed initially that payments should be cancelled before cancelling the account and they are not responsible for it and i got to deal with it !! not sure what they meant everything was taken care of when i was closing the account..Thank you for your feedback Is this review helpful?


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Definition from Wiktionary, the free dictionary
See also: galįs
galis m
- gallium (chemical element)
This Lithuanian entry was created from the translations listed at gallium. It may be less reliable than other entries, and may be missing parts of speech or additional senses. Please also see galis in the Lithuanian Wiktionary. This notice will be removed when the entry is checked. (more information) March 2010


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Billionaire financier George Soros has promised $1m to the "Super PAC" group that is helping fund President Barack Obama's re-election bid.
The move could trigger more large cheques from liberal donors who have avoided giving to Super PACs, due to their concern over the unlimited spending power of such groups.
Until this year, Soros held the record as the biggest contributor in an election cycle for his 2004 political donations, valued at some $27.5m.
- More about:
- Cheque (means Of Payment)


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Plus Two
From Wikipedia, the free encyclopedia
This article is about a segment of Nepal (Country) & Indian school education. For trousers, see Plus twos. For the 2010 Malayalam film, see Plus Two (film).
Plus Two refers to the segment of Indian and Nepali school education that is made of standards (grades) 11 and 12, known as higher secondary education by Nepal for the first time. In most states in India, the Plus Two is part of high school; in a few, it is called Junior College and is part of college education. Plus Two education is provided by each state individually and Central Board of Secondary Education (CBSE). Each state has its own syllabus for Plus Two while CBSE provides unified syllabus which is followed in all states. Plus Two education is essential for getting admission to colleges. Passing SLC is essential for getting admission to Plus Two.
See also[edit]
External links[edit]
|This article relating to education is a stub. You can help Wikipedia by expanding it.
|This India-related article is a stub. You can help Wikipedia by expanding it.
|This Nepal-related article is a stub. You can help Wikipedia by expanding it.