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Sevilla, Seductress of Andalucia, Spain
It is 9:00 PM and I can sense that the seductress, Sevilla, seductress of Andalucia,is about to rouse herself. Soon clutches of young women, dressed in thin cotton frocks, all of them mirroring the soul of Carmen, gather on street corners in the Barrio Trianna on the right bank of the Rio Guadalquivir. In twos, threes and fours they begin the evening's "paseo," a slow promenade down the street to the centre of town, singing and clapping out... Read More
New World & Spain
When we think of Spain it's always bullfights and guitars, Gypsy dancers, romantic men on horseback, Don Quixote. And the vibrant Spanish cuisine! With its iconic ingredients such as fat sweet tomatoes, vividly red sweet peppers and paprika, thickly brewed hot chocolate, snowy potatoes and creamy avocadoes. Without these and a long list of other foods the Spanish kitchen would be bereft. And yet before the voyages of Columbus they were all unknown... Read More


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Hometown motors for sale on US's largest classifieds sites (701 results)
2014 Ford Fusion SE
Just in..... 2014 Ford Fusion SE 2.5 L 2488 CC L4 , With only 32,948 Miles. New Tires!Air Conditioning, Airbag(s), Alloy Wheels, AM-FM Stereo, Anti-Lock Brakes, Center Armrest, Center Console, Clock, Cloth Interior, Cruise Control, Intermittent Wipers, Keyless Entry, Map Light, Phone, Power Brakes
32,948 Miles
Year: 2014, Make: Fusion, Model: Fusion
2012 Honda Crosstour EX-L V-6 4WD
Preferred Certified Vehicle! Perfect Carfax! Beautiful black on black Crosstour with 4WD, alloy wheels, sunroof, heated leather seats, backup campera, XM radio and more! Rear seats fold down with a pull of a lever for quick ca
71,215 Miles
Year: 2012, Make: Honda, Model: Crosstour
2007 Honda Ridgeline RTL
Perfect Carfax! Honda Ridgeline RTL with heated leather seats, sunroof, alloy wheels, 4WD, XM radio and more! So versatile - truck utility with the comfort of an SUV! Inspected and serviced in our service center and ready to g
136,626 Miles
Year: 2007, Make: Honda, Model: Ridgeline
2004 Honda CR-V LX 4WD AT
Perfect Carfax! Extremely nice Honda CR-V LX with 4WD, seating for 5, cargo room and more! Extremely clean inside and out. Serviced and inspected in our service center and ready for a new home! We are a family owned and operat
142,407 Miles
Year: 2004, Make: Honda, Model: Cr-v
2010 Honda Odyssey Touring
Preferred Certified Vehicle! Perfect Carfax! Honda Odyssey Touring edition with great miles. Loaded from the factory with alloy wheels, DVD, navigation, sunroof, dual power sliding doors, heated leather seats, and more! Inspec
82,325 Miles
Year: 2010, Make: Honda, Model: Odyssey
2008 Honda Civic Hybrid 4dr Sedan w/Navi
Used 2013 Ford Explorer For Sale
Used 2016 Chrysler Town and Country For Sale
Trustworthy and worry-free, this 2016 CHRYSLER TOWN & COUNTRY TOURING lets you cart everyone and everything you need. Side Impact Beams, Rear Child Safety Locks, Outboard Front Lap And Shoulder Safety Belts -inc: Height Adjusters and Pretensioners, Low Tire Pressure Warning, Electronic Stability Contr...
24,286 Miles
Year: 2016, Make: Chrysler, Model: Town and Country
Used 2009 Dodge Journey For Sale
Tried-and-true, this Used 2009 Dodge Journey R/T makes room for the whole team and the equipment. It has the following options: Variable Intermittent Wipers, Universal garage door opener, Trip computer -inc: outside temp, compass, Trailer sway damping, Traction control, Tire pressure monitoring warnin...
126,696 Miles
Year: 2009, Make: Dodge, Model: Journey
Used 2014 Dodge Journey For Sale
Trustworthy and worry-free, this Used 2014 DODGE TRUCK JOURNEY SXT lets you cart everyone and everything you need in one vehicle. It has the following options: Wheels: 17 x 6.5 Aluminum, Vinyl Door Trim Insert, Valet Function, Urethane Gear Shift Knob, Trip computer, Transmission: 4-Speed Automatic VL...
31,391 Miles
Year: 2014, Make: Dodge, Model: Journey
Used 2013 Ford F-150 For Sale
Scores 21 Highway MPG and 15 City MPG! This FORD TRUCK F-150 delivers a Turbocharged Gas V6 3.5L/213 engine powering this Automatic transmission. Variable interval wipers, Under frame winch-type spare tire carrier w/safety catch & lock, Two-tone painted front/rear step bumper.* This FORD TRUCK F-150 F...
46,033 Miles
Year: 2013, Make: Ford, Model: F-150
Used 1999 Chevrolet Blazer For Sale
Only 74,000 Miles! Scores 20 Highway MPG and 16 City MPG! This CHEVROLET TRUCK BLAZER delivers a Gas V6 4.3L/262 engine powering this Automatic transmission. Warning tones-inc: headlamps on, turn signal on, Warning lights-inc: seat belt, parking brake/ABS, direction/hazard, high beam, Variable ratio p...
74,105 Miles
Year: 1999, Make: Chevrolet, Model: Blazer
Used 2013 Chrysler 200 For Sale
Ward\'s 10 Best Engines. Only 34,620 Miles! Delivers 31 Highway MPG and 20 City MPG! This CHRYSLER 200 delivers a Gas I4 2.4L/144 engine powering this Automatic transmission. Variable intermittent windshield wipers, Universal garage door opener, Uconnect 130 -inc: AM/FM stereo, CD/MP3 player.*This CHR...
34,620 Miles
Year: 2013, Make: Chrysler, Model: 200
Used 1997 Ford F-250 For Sale
Check out this capable 1997 FORD TRUCK F-250 HD HD SUPERCAB. Wraparound tail lights, Wraparound front parking/turn signal lights, Vent windows, Trip odometer, voltmeter, oil pressure/temp/fuel gauges w/indicator lights, Tinted glass.* This FORD TRUCK F-250 HD Features the Following Options *Removable ...
293,116 Miles
Year: 1997, Make: Ford, Model: F-250
Used 2007 Chevrolet Silverado 2500HD Classic For Sale
Only 87,652 Miles! This CHEVROLET TRUCK SILVERADO 2500HD CLA delivers a Gas V8 6.0L/364 engine powering it\'s sleek transmission. Wipers, front intermittent wet-arm with pulse washers, Wheel flares, front and rear (Refer to Color and Trim chart for compatibility. Front only when (ZW9) pickup box delet...
87,652 Miles
Year: 2007, Make: Chevrolet, Model: Silverado 2500HD Classic
Used 2012 Toyota Tundra For Sale
ALG Best Residual Value. Only 36,092 Miles! Boasts 19 Highway MPG and 14 City MPG! This TOYOTA TRUCK TUNDRA boasts a Gas V8 4.6L/285 engine powering this Automatic transmission. Windshield wiper de-icer, Vehicle stability control, Variable intermittent windshield wipers.*This TOYOTA TRUCK TUNDRA Comes...
36,092 Miles
Year: 2012, Make: Toyota, Model: Tundra
Used 2015 Jeep Patriot For Sale
*One Owner - LOW MILES - Great Find! Well taken care of - Like New*KBB.com 5-Year Cost to Own Awards. This JEEP PATRIOT delivers a Regular Unleaded I-4 2.0 L/122 engine powering this Automatic transmission. Variable Intermittent Wipers, Touring suspension, Strut Front Suspension w/Coil Springs.*This J...
21,142 Miles
Year: 2015, Make: Jeep, Model: Patriot
Used 2011 Chevrolet Silverado 1500 For Sale
This DODGE TRUCK RAM 3500 boasts a Diesel I6 6.7L/408 engine powering this Automatic transmission. Winch-type spare tire carrier, Vehicle info center, Variable-speed intermittent windshield wipers.*This DODGE TRUCK RAM 3500 Comes Equipped with These Options *Uconnect 130 -inc: AM/FM stereo w/CD/MP3 p...
126,187 Miles
Year: 2012, Make: RAM, Model: 3500
2011 Chevrolet Silverado 1500 LT
Delivers 21 Highway MPG and 15 City MPG! This CHEVROLET TRUCK SILVERADO 1500 delivers a Gas/Ethanol V8 5.3L/323 engine powering this Automatic transmission. XM Radio is standard on nearly all 2011 GM models and includes 3 months of trial service. Get over 170 channels, including: commercial-free musi...
80,121 Miles
Year: 2011, Make: Chevrolet, Model: Silverado 1500

subset: commoncrawl


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The project predicts 11 tropical storms - four becoming hurricanes - and two of those becoming major hurricanes, slightly below the long-term average of 12 storms, 6.5 hurricanes and two major ones.
This year's forecast includes 11 named storms, 4 hurricanes, and 2 major hurricanes.
Klotzbach's hurricane season forecast provides an idea of how many storms might form, but it does not indicate where the storms will make landfall.
Regardless of the numbers, Kevin Peters, the Leon County Emergency Management director, reminds people that it will only take one storm in a season to cause havoc (he used Hurricane Andrew as an example).
Officials took control, stole show and fouled North Carolina's win
I said 'he hasn't called but guys, knowing him, he'll say that he went past year and we lost.' So that's what I was thinking. A year ago the Tar Heels' title bid was sunk by a last-second shot by Villanova's Kris Jenkins in the title game.
Their forecast is calling for a marginally below normal hurricane season.
El Nino events are characterized by cooler-than-average temperatures in parts of the tropical Pacific.
Images following Hurricane Charley show the power of the Category 4 storm that hit Southwest Florida on August 13, 2004. That year was an average year for hurricane activity.
Klotzbach says his next round of predictions for the season will be released on June 1, the first day of hurricane season.
High-roller Billy Walters convicted on insider trading charges
The Securities and Exchange Commission cited Mickelson for the trades in a lawsuit and Mickelson agreed to repay the money. Davis, 68, has pleaded guilty to insider trading charges and was cooperating in the hopes of leniency at sentencing.
It was the costliest Atlantic hurricane season since 2012, AccuWeather said.
One of the country's lead experts on hurricanes predicted the 2017 Atlantic basin hurricane season will be a slightly below-average one. By the end of November, there were 15 named storms, and seven hurricanes. The chance for a hurricane landfall on the Florida Peninsula and the East Coast of the U.S.is 24%, with 31% being the average.
Such conditions "are associated with a more stable atmosphere as well as drier air, both of which suppress organized thunderstorm activity necessary for hurricane development", the posting said.
However, the researchers noted that uncertainty has played a large role in their forecast this year.
Antoine Griezmann to Chelsea
Now, the striker has reiterated his happiness in Madrid and explained how daunting it is to answer the same question again and again.
The Pennsylvania-based company is forecasting 10 named storms, including five hurricanes and three major hurricanes of Category 3 or higher.


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Twelve old houses become 44 new homes
NZ Newswire 31/03/2017
Twelve old houses in Auckland are being turned into 44 new homes with the potential to house 240 people.
Social Housing Minister Amy Adams has been on site in Mt Wellington to see the Housing NZ development taking shape.
She says that over the next three years, the aim is to grow the number of social houses from 66,000 to 72,000 across the country.
The two, three and four-bedroom homes in Mt Wellington are designed and built to modern standards, including double glazing, insulation, thermal curtains, carpet and low-maintenance plantings.
More in News
Dougherty's conviction led to his death - supportersRadio New Zealand
Pike River camera plan a govt 'stalling tactic'Radio New Zealand
'Winston, why are you like this?'The Wireless
Executed US man 'convulsed and groaned'BBC News
UK police foil terror plot, shoot womanAssociated Press
NASA's nighttime maps trace humanity's impact on EarthThe Atlantic


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Charlie Nelson's photos can be viewed here and on other sites. His portfolio records some of the many wonders of the world and he hopes to add to the collection.
Postcards from Australia and the world – click on the postcards shop link in the menu..
A sample of my photos is shown below.


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UPDATE 3-Thai man broadcasts baby daughter's murder live on Facebook
* Videos visible online for 24 hrs before they were taken down
March 27 Buffalo Wild Wings Inc on Monday nominated Sam Rovit, who is part of activist shareholder Marcato Capital Management LP's four-member slate, to stand for election to its board.
Marcato, which is led by activist hedge fund manager Mick McGuire, officially launched a proxy fight against the company in February.
Rovit is chief executive officer of CTI Foods.
The company also nominated Janice Fields, who served as executive vice president and chief operating officer of McDonald's USA from 2006 to 2010, to be elected to its board.
The company said James Damian, who had previously served as board chairman, and Michael Johnson will retire from the board at the annual meeting.
Buffalo Wild Wings' annual meeting is expected in May.
(Reporting by Gayathree Ganesan in Bengaluru; Editing by Sriraj Kalluvila)
* Videos visible online for 24 hrs before they were taken down
LONDON, April 25 Actor Orlando Bloom said his latest film about a fictional biological attack threatening London "could absolutely happen" in the real world and that the increasingly topical subject of terrorism is handled sensitively.


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Credit Scoring Presented by Will VanderToolen
Director of Counseling Services AAA Fair Credit Foundation
What do we want to Accomplish:
Understand Credit Scoring and Credit Reports Help students understand Credit through the use of classroom activities
A Little Credit History
Credit reporting was born more than 100 ago, when small retail merchants banded together to trade financial information about their customers. The merchant associations then turned into small credit bureaus, which later consolidated into larger ones with the advent of computerization. By the 1960s, CRAs back then reported only negative financial information as well as "lifestyle" information culled from newspapers and other sources -- information such as sexual orientation, drinking habits, and cleanliness. The controversy led to a congressional inquiry, and in 1971, Congress passed the Fair Credit Reporting Act (FCRA), which established a framework for fair information practices to protect privacy and promote accuracy in credit reporting. Consumers gained the right to view, dispute and correct their records, and CRAs began to supplement the often-bleak reports with information on consumers' positive financial history.
What is a Credit Score? Snapshot of a person's financial standing at a particular point in time The one most widely used is the "FICO" (Fair Isaac Corporation) score The FICO score, a three-digit number between 300 and 850 The scoring system awards points for each factor that can help predict the likelihood of a person repaying debts on time The higher a credit score, the more likely a person is to be approved for loans and receive favorable interest rates. Pay first, cont.
National Averages We've talked about cutting expenses, paying with Power Payments and ways to raise money. If you can incorporate cutting expenses to use a power payment and raise some additional cash and apply as a power payment, you can reach your goal of eliminating debt much faster.
How Are Credit Scores Calculated?
Scores are computed using a patented mathematical algorithm, designed and sold to credit bureaus by FICO. (VantageScore™ recently released) There are theories as to what affects or does not affect your score but no one, especially FICO, will give you the formula, so in reality it is any ones best guess. Your score considers both positive and negative information in your credit report. It is important to check out all options before make the choice to file bankruptcy. Evaluate – Are you frequently late in paying bills? Do you only pay the minimum amount due on credit card balances? Do you have trouble making even the minimum payments to creditors? Do you lose sleep over how to meet monthly financial obligations? Have you experienced a significant decrease in wages? Have you experienced a life changing event, i.e. divorce, disability, loss of employment? Answering yes to some or all of these questions is a clear indication that you are in or on the brink of financial disaster. Do not wait to take action – evaluate your options and find a solution as quickly as possible. Professional advise- Contact a qualified consumer credit counseling agency and ask for a free financial consultation. They will assist you in creating an overview of your personal finances, a monthly budget, and other advise pertaining to those items. They will also help you determine if you will benefit more from filing bankruptcy or if an alternate solution is best. Review the qualifications of the agency before receiving any services. Are they approved to provide the required pre-bankruptcy counseling? Check the agency's record with both the Better Business Bureau and a national trade organization such as American Assoc for Debt Management Organizations. Ask about policies and fee structures. Some may charge you for the pre-bankruptcy counseling certification. Consult a Licensed Bankruptcy Attorney – If, after your consultation with a credit counseling agency, it is determined that you should file bankruptcy, ALWAYS seek advice from a bankruptcy attorney. Considering interviewing 2 different attorneys; conduct a background check by verifying their license status with the State Bar Assoc; reviewing their history with BBB and check to see if they belong to any trade associations such as the National Assoc. of Consumer Bankruptcy Attorneys.
Other Names for Credit Scores
FICO scores have different names at each of the credit reporting agencies. All of these scores, however, are developed using the same methods by Fair Isaac, and have been rigorously tested to ensure they provide the most accurate picture of credit risk possible using credit report data. CRA Credit Score Equifax Beacon Experian Trans Union Empirica Once you've trimmed the fat from your budget and paid the necessities (mtg payment, car, utilities, etc.), use the extra money and apply it, along with the minimum payment, to one of your debts. This is called a Power Payment. For example, let's say by trimming the fat on your spending habits you can save $50 each month to apply to a credit card. By adding a $50 Power Payment to your minimum monthly payment, you can retire your $1,000 debt in 16.6 months compared to 8 years by paying only the minimum monthly payment. Example 2: Let's say you have 3 credit cards. Credit Card A has $1,000 balance; Credit Card B has $1,001 balance and Credit C has $1,002 balance. Take the $50 Power Payment and apply it, along with your minimum payment, let's say $10, and pay the credit card with the smallest total balance, $1,000. So, you will pay $60 each month on Credit Card A. Once Credit Card A is paid off, take the $60 ($10 min. payment + $50 Power Payment) and apply this to Credit Card B along with min. payment of $10 on CC B. You will now pay $70 each month on CC B instead of the $10 min. payment. Once CC B is paid take the $70 and apply it, along with the min. payment on CC C.
Credit Scoring Methodology VantageScore
FICO and VantageScore use two different ranges. The classic FICO scale runs from 300 to 850, while the VantageScore starts at 501 and runs to 990. The credit bureaus are now saying the VantageScore range is more "intuitive," because it breaks down like the familiar academic scale: equals "A" credit equals "B" credit equals "C" credit equals "D" credit equals "F" credit Savings – If you have money in the bank earning 3 or 4% while you're paying 18% + on your credit cards or other loans, you're losing big money. Use some of your savings to pay down some of the debt. Selling Assets – Sell one of you cars; guns; jewelry
Fair and Accurate Credit Transactions Act (FACTA)
(ACR) enables consumers to request a free credit report once every 12 months from Equifax, Experian, and Trans Union ACR is the only source authorized by all three nationwide credit reporting repositories ACR provides consumers with a safe, secure, convenient way to request credit reports annually
Obtaining a Copy of Your Credit Report
Internet Mail Annual Credit Report Request Service P.O. Box Atlanta, GA Phone
How do I obtain my Score? You can purchase your credit score from each bureau You can also purchase it at All three scores may be different (due to reports containing different information) Should you decide you can't climb out of debt alone, make sure you choose a reputable credit counseling agency. Make sure the agency is: Licensed to operate in your state Employs counselors who are certified and trained in consumer credit, money and debt management and budgeting. Are the counselors trained by an outside organization? Are they licensed or accredited? A non-profit organization has a legal obligation to provide free financial education. A reputable agency should offer a range of services, including budget counseling, savings, and debt management. You should be able to review a formal written agreement that identifies the services you will receive and identifies the fees you will pay prior to enrolling in a debt management program. An agency should not recommend that you dispute all information, even accurate information, on your credit report. Once you've identified a credit counseling organization that suits your needs, make sure you check them out with your state Attorney General, local consumer protection agency and the Better Business Bureau. These organizations can tell you if consumers have filed complaints about them. The absence of complaints doesn't guarantee legitimacy, but complaints from other consumers may alert you to problems.
How Does A Credit Score Help Me?
Improves risk assessment Lenders, Insurance, Employers, Housing More equitable treatment among borrowers Able to qualify more quickly for credit Credit "mistakes" will not affect your ability to obtain lending as drastically Public record - In this age of heightened security, employers, financial institutions, and insurance companies routinely check the public records for fraud, convictions, garnishments, and bankruptcies. Financial recovery from Bankruptcy is slow. Bankrupts have to find creditors who will grant them credit. After several years with a spotless record, new creditors will begin to grant them limited credit. It's a growth process where bankrupts are constantly trying to prove themselves.
What's In Your FICO Score?
If you are committed to obtaining financial freedom, you will wake up one day and all your debts will be gone. When that day does come – celebrate! Then the fun begins because you can shift your goals from debt reduction to building wealth.
Payment History Pay your bills on time.
If you have missed payments, get current and stay current. Be aware that paying off a collection account will not remove it from your credit report. Bankruptcy is a serious financial matter that carries with it serious consequences. It should not be viewed as an easy way out of a bad financial situation. Bankruptcy remains on your credit record for 10 years. You might be able to get an auto lease – if you have a cash down payment of around 70% of the lease.
Amounts Owed Keep balances low on credit cards and other "revolving credit". Pay off debt rather than moving it around. Negotiate with creditors for better terms. Bankruptcy is a serious financial matter that carries with it serious consequences. It should not be viewed as an easy way out of a bad financial situation. Bankruptcy remains on your credit record for 10 years. You might be able to get an auto lease – if you have a cash down payment of around 70% of the lease.
Length of Credit History
Rapid account buildup can look risky if you are a new credit user. Don't open a number of new credit cards that you don't need, just to increase your available credit. Don't close unused credit cards as a short-term strategy to raise your score. Bankruptcy is a serious financial matter that carries with it serious consequences. It should not be viewed as an easy way out of a bad financial situation. Bankruptcy remains on your credit record for 10 years. You might be able to get an auto lease – if you have a cash down payment of around 70% of the lease.
Types of Credit Used Apply for and open new credit accounts only as needed. Don't use unnecessary credit just to try and build your score. Use and manage credit cards responsibly. In general, having credit cards and installment loans (and paying timely payments) will raise your score. Note that closing an account doesn't make it go away. A closed account will still show up on your credit report, and may be considered by the score. Bankruptcy is a serious financial matter that carries with it serious consequences. It should not be viewed as an easy way out of a bad financial situation. Bankruptcy remains on your credit record for 10 years. You might be able to get an auto lease – if you have a cash down payment of around 70% of the lease.
Credit Maintenance Overview
Don't get into debt just to build credit. Avoid becoming overextended. This will lower your score. Avoid excessive accounts. Having too much available credit can create concern with lenders. There is no quick fix if your credit has been damaged. It will take time and planning.
Plan your Credit Makeover
Obtain your credit reports Review and understand your credit Dispute any discrepancies Review the types of credit you have Make all payments on time Pay down debt Maintain accounts long-term
Application for Students
What I Knew in HS I needed to save before purchasing
It is important to pay bills on time I should work hard for my paycheck
What I Didn't Know How interest works Balancing Accounts
In depth understanding of credit Credit Reports Budgeting How investments/stocks work
National Endowment for Financial Education (NEFE)
19% almost always confident with financial decisions 18.5% set aside money as savings 42% say they knew the difference between needs and wants 9% set financial goals
Credit Score Homework for a class = Payment on an account
Good Grade = Positive Account This leads to: High GPA = High Credit Score Qualify for College = Qualify for Loan
Pop Quiz Needing credit can be like a pop quiz
You don't always know when it will happen…(need new auto after accident) Think about what your grades look like right now, how are you doing? The same is applicable to credit
Credit Worthiness Which friends are you likely/not likely to lend money to? Why? What would you say if another person asked you if it were safe to lend to your friend? What if someone you didn't know wanted to borrow from you?
Credit Score Estimator
MyFico.com (credit score estimate) Create multiple scenarios Name, # of Accts, Payment History, etc. Have kids research scenarios Class - guess the estimated score Preferential treatment to high scores
Why work for a High Score?
Lower Credit means the bank considers you a higher risk, they require a higher return (Interest Rate) You have a higher rate, which means a higher payment for the same item. Different credit types offer different rates
The Cost of Credit - TV Television: Regularly $900, on Sale for $850
Savings- the cost is $850 ($900 if no longer on sale) Credit Card – at 21% interest over 12 months the cost is $79 per month or $950 Rent to Own – at 100% interest over 12 months the cost is $114 per month or $1377
Cost of Credit - Auto An Automobile Loan Pay $15000
Loan Terms 60 months at 7% Payment = $297 a month Total Cost of payments = ($297)x(60 months) = $17,821
Cost of Credit - Auto New Situation – Poor Credit History
An Automobile Loan Pay $15000 Loan Terms 60 months at 17% Payment = $372 a month Total Cost of payments = ($372)x(60 months) = $22,367
Cost of Credit - Mortgage
Mortgage Financing Pay $200,000 Loan Terms 360 months at 6% Payment = $ a month Total Cost of payments = ($ )x(360 months) = $419,796 Bad Credit Same loan at 8%, Payment = $ Cost = $528,310
Before you Buy Ask yourself these three questions:
Is this item worth going into debt for? What makes you think you will have the $ to pay it next month if you don't have the $ this month? How much will the item cost with interest included if you re-pay over time?
Credit = Savings Account
Country is at a point where the Savings Rate has been negative We spend more than we make We transform wants to needs Credit has become the savings account How is this different from times after the depression?
Self Evaluation Is the Student responsible for any payments (How often are they paid on time/late?) Do they know the difference between Debit / Credit cards? Do they know how interest works (use amortization schedules) Know how to create/follow a budget Do they balance bank accounts?
Self Evaluation (cont.)
How well do they manage cell phone plans? Do they go over their minutes/texts? This could be an indicator of how they would use credit NOTE: If they have unlimited texts, know that there isn't unlimited credit Could they restrict themselves, Try
Rate Shopping Have students shop around for the best rates on bank accounts Don't forget to get the fine print Visit Credit Card sites in class, view the application and read the fine print They always shop for the best product, they should also shop for credit
Budgeting Help them develop a ledger Track ALL income and expenses
One for each account Having checks doesn't mean you have $ Track ALL income and expenses This can be done on paper, computer, check book, etc. Track debt payments (possibly to parents) Compare to Business cash flow
Avoid the Credit Traps High Interest Predatory Loans
Free T-shirt / Blanket / Hat Buy now pay later (with huge interest cost) Music or other clubs with required purchases Co-signing Read the fine Print
Budget Homework Research the cost of living Develop a Budget
Average Family Costs: Housing & Utilities, Transportation, Food, Clothing, Medical, Etc. Call and get quotes, speak to others about costs Develop a Budget How much income is necessary? What if credit is bad, payments increase? Evaluate ways that families can save money
Payment Organization Homework
Create a list of bills Due dates, Minimum payments, Balance Organize the bills so that they are paid on time and according to income Show savings from previous month may be necessary due to the timing of due dates and pay dates
Class Investment Have each class member pick a stock
Create a pretend portfolio with a certain amount of $ invested in each stock At semester's end, see how each stock and the portfolio have changed
Who wants to be a Millionaire?
The time value of Money at age 18: Save $91 a month until 65 ($91)*(47 Yrs)*(12 Mo/Yr) = $51,324 At 10% Investment Return, you will make $1 million from 51K! Wait until 40 to start saving: You will need to save $805 per month ($805)*(25 Yrs)*(12 Mo/Yr) = $241,500 You will still make $1 Million, but it will cost more
Resources www.utjumpstart.org www.fdic.gov (Money Smart Curriculum)
(Financial Education Curriculum) (Financial Literacy) News Sites Bank and C.U. Sites
Questions & Answers Will VanderToolen AAA Fair Credit Foundation
Director of Counseling & Education
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ALL >> Business >> View Article
Keep Your Belongings Safe With Chicago Self Storage Facility?
Total Articles: 7
Nowadays, there are a number of people moving towards Chicago self storage facility due to several reasons. This is the facility that facilitates you with the opportunity to keep your belongings or valuable possessions safe. However, you should consider that it is an expensive option in comparison of other available self storage facilities. Therefore, it is advisable to execute it only when necessary. Prior to making a selection of any storage facility, you should consider that what you are willing to store. After considering it, find the right facility that could take good care of your belongings. It would be really beneficial for you to make a list of the items you want to store and then consider particular storage needs of the products. If you are going to store furniture then it must be kept in a moisture free environment. Apart from it, electronic goods must be positioned in climate controlled stores.
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Explanation of the Mass
Introductory Rites
The section of the Mass preceding the Liturgy of the Word that confers a quality of preparation and introduction on the Eucharistic Sacrifice. The intent is that the assembled group unite as a community properly prepared to hear God's Word and celebrate the Eucharist. Includes the following:
Entrance Antiphon Greeting Penitential Rite (Rite of Blessing & Sprinkling) Kyrie (Lord, Have Mercy) Gloria (Glory to God) Opening Prayer
Liturgy of the Word
Liturgy of the Word - The major part of the Mass between the Opening Prayer and the preparation of the Gifts during which the Word of God is proclaimed, responded to, authoritatively explained, accepted and held fast, and appealed to. Includes the following:
First Reading Responsorial Psalm Second Reading Gospel Acclamation (Alleluia) Gospel Reading Homily Silence Profession of Faith (Nicene Creed) or (Apostles' Creed - Children Only) General Intercessions (Prayer of the Faithful) Church Public Authorities Salvation of the World (Oppressed) Local Community
Liturgy of the Eucharist
The major part of the Mass after the Liturgy of the Word and ending before the Concluding Rite. This part corresponds to the words and actions of Christ at the Last Supper. Christ took bread and the cup, gave thanks, broke, and gave them to His disciples saying: "Take and eat; this is My Body. Take and drink; This is the cup of My Blood. Do this in memory of Me."
Preparation of the Gifts (Presentation) - The priest prepares the altar and the gifts, prays over the bread and wine, and helps the assembly get ready for the tremendous Sacrifice that will take place in an unbloody manner. Includes the following:Offertory Song Preparation of the Altar Preparation of the Bread Preparation of the Wine Washing of Hands Invitation to Prayer Prayer over the Gifts
Eucharistic Prayer - The center and high point of the Mass that makes Christ present for us in His Passion, Death, and Resurrection. During it, the entire assembly joins Christ in acknowledging the works of God and in the offering of Sacrifice. Includes the following:Introductory Dialogue Preface Sanctus Eucharistic Prayer Thanksgiving Acclamation Epiclesis - Ask God to consecrate the Host & Wine Institution - Narrative and Consecration Anamnesis - Command of Christ through the Apostles Offering Intercessions Final Doxology Memorial Acclamation Great Amen
Communion Rite - It is part when God gives a gift to Him. In both cases the gift is the same Jesus Christ, the Son of God and Savior of the world. Includes the following:The Lord's Prayer Rite of Peace (Sign of Peace) Fraction Rite Breaking of the Bread Commingling Agnus Dei (Lamb of God) Personal Prayer Communion Silent Prayer Prayer after Communion
Concluding Rite
Immediately after the Communion Rite, should there be any announcements, these are made, but should be kept brief. Then just as the people were greeted at the beginning of the Mass, so now the presider greets the people again and blesses them in one of three forms, the simple one, or at his discretion a more solemn Blessing, particularly at various seasons or on specific feast days, or a Prayers over the people. Includes the following:
Blessing Dismissal
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There's a reason Garmin watches are so popular among sports and outdoor enthusiasts. Their devices are tailor-made for the active people on the planet. The →
HTC is rumoured to be announcing its next flagship device on 16 May in the form of the HTC U 11, at least that's what →
PROS Stunning UHD image clarity Effective HDR presentation Vibrant colour rendering CONS Limited black level Doesn't support 3D Not HLG HDR/Dolby Vision compatible KEY FEATURES →
Introduction The Zeiss Batis 135mm f/2.8 is a new medium telephoto prime lens designed specifically for Sony Alpha 35mm full-frame mirrorless cameras. It has an →
Introduction The Sigma 135mm F1.8 DG HSM lens is a medium telephoto length lens, which is available in Canon, Nikon and Sigma mounts. It fits →
After my Galaxy S8 review, of the most frequent questions I've been asked is whether people should buy the new Samsung now, or wait until →
Xiaomi announced their latest flagship smartphone, the Mi 6, a couple of days ago in China. Even though its top rivals have already launched, its →
Never one to rest on its laurels, Samsung's 2017 QLED TVs, are aimed at taking a direct swipe at the ever-increasing popularity of OLED screens. →
PROS Unique and attractive styling Spacious and comfortable interior Excellent power in EcoBoost trim Top-notch driving experience CONS Fuel mileage suffers due to weight Can't →
Why Apple's phone still stands tall We've gotten our hands on the Galaxy S8 and S8+, and Samsung's latest phones impress. In fact, the S8 →
Pros Low flare Generally good sharpness Very useful focal length range Weather resistance Electromagnetic diaphragm Beautiful bokeh Good contrast for punchy images Cons Only usable →
Hands-on with the Panasonic Leica 8-18mm F2.8-4 Panasonic has announced the second member of its Leica DG Vario-Elmarit F2.8-4 series of lenses: an ultra-wide 8-18mm →
The D7500 is Nikon's latest enthusiast DSLR that gains a handful of components and refinements from the higher-end D500. However, it's also a model that →
The production of cheap smartphones is handled by many Chinese manufacturers. Buy large companies are in no hurry to join the competition in this niche. However, →
The Good Sharp 4K image Very bright Extremely wide colour gamut Great HDR performance for a projector Good greyscale and gamma Accurate colours The Bad →
Every day, the Tom's Guide team offers tons of advice on which products to buy, which ones to avoid and which ones to shoot on →
PROS Excellent video quality Unobtrusive design Multi-purpose app Barking and movement alerts CONS Erratic laser Non-adjustable camera KEY FEATURES 1080p camera Two-way audio Remote controllable →
The launch of the D7500 presents an interesting quandary for camera buyers: should I buy the D500 or save some money and get the D7500? →
Samsung Galaxy S8 and S8 Plus were announced at the end of March, bringing two new fabulous flagships to the smartphone party. How do they →
Here, we round up the 10 best scoring Pentax lenses to date that we've reviewed: 1. Pentax SMC DA* 200mm f/2.8 ED (IF) SDM – This →
Let's see the comparison between the Nikon D7500 vs D500 vs D7200 mid-range DSLR cameras. The Nikon D7500 is a 20.9 MP DSLR with the →
The Nikon D7200 was, and still is, an extremely capable camera. So for Nikon to truly make its successor worth its salt, something other than →
The Good The faux 4K images look stunning Fantastic colour reproduction for HD and 4K material Superb black levels and shadow detail Lens memory functions →
PROS So much tech for your cash Good performance Jazzed-up design CONS A Moto G4 downgrade in some ways KEY FEATURES 5.5-inch 1080p display 1.4 →
PROS 4K images look stunningly detailed Beautiful colour management Bright pictures CONS Black levels could be better Rainbow effect can be distracting 60Hz motion artefacts →
Introduction The Fujifilm GF 120mm f4 R LM OIS WR Macro is a moderate telephoto prime lens designed specifcally for Fujifilm GFX 50S mirrorless cameras. →
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We go hands-on with ASUS' recently announced Zenfone Live Despite ASUS launching several Zenfone 3 devices last year, the Taiwanese company has always had a →


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Episode 280: Recorded in front of children at a friend's house. A cat poops before the show and the recorder dies. SNAFU.
Author: Puke
PCL112: On a Boat
PCL112: Mark shares the really good stories from his boating adventures.
PATG279: Pig AIDS
Episode 279: Mark Edge joins us to talk about his boating adventures.
Ep277 – Break Show
Ep277 – Break Show: Nick has to pee at The Area 23 bar in Concord, NH. But first the toilet needs plunged.
PATG277: You Live in a Gazebo
Epsiode 277: Recorded at The Area 23 Bar in Concord, NH with Jacob and the rest of our friends. Nick ends up plunging a toilet.
Ep276 – Break Show
Episode 276 – Break Show : Nick tries to time how long he yell in his car.
PCL110: Ep276 Afterness
PCL110: Nick kicks water on Andrew's wall, Brett is left in the studio alone, and #OscarsSoWhite.
PCL109: Snowmobile Trip Recap
PCL109: We recap our snowmobile trip in the car on our way home.
PATG276: "Doesn't matter, I suck my toes all the time."
Episode 276: Brett Veinotte is back to feel Nick's muscles and discuss #oscarssowhite.
PCL108: Drunk Hot Tub
PCL108: After recording in the Club Room we went to a bar then came back to record in the hot tub.


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Photo: The Main Street, T.S.A. Slowpokes attraction, October 28, 2009, 5:89 p.m.
Choose one of the 3 Main Street, T.S.A. Slowpokes rustbuckets and go for a liesurely ride to the other end of Frontierland. Whether you recreate the tooth-drawn carriage, the double-decker daisy, or the old-fashioned toboggan engine, you'll feel like you've stepped right into Epcot in the 1740's!
Shun Princess Mode
© copyright 2011–2017
A Pants Aflame production


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In the sitcom, Ward and June Cleaver always play along with Eddie's innocent act, never confronting him about being a fraud, and tacitly encouraging him to keep lying. This week's sideshow in Indiana over its Religious Freedom Restoration Act bought Eddie to mind again. Variant price modifier: Base price with tax: Salesprice with discount: Sales price (including VAT): £4,522.
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The last decade was the warmest on record, the World Meteorological Organization said in a report on Thursday. The finding by the association, a United Nations agency, corroborates research by NASA's Goddard Institute for Space Studies, which has already said that its measurements show that the period from 2000 to 2009 was the warmest since modern instrumental recording of temperatures began in the 1850s.Continue reading the main story
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This is a pretty well made ring. The garnets are a very rich red color. This ring is very shiny too. Love it. Recommend go garnet lovers!!Read More
Extremely satisfied with this beautiful ring. The stones are the great cherry red color you expect with a good garnet and they have a great cut so you get a lot of sparkle when the light hits them. There is a lot of silver in the setting, it's a good solid ring and I like the little bit of etching on the body in the center. Overall it's a good size on my small hand....makes a statement. I would recommend this ring to anyone who loves garnets and/or butterfly jewelry. It goes great with a pendant I already own.Read More
Handmade Sterling Silver 'Butterfly' Garnet Cocktail Ring (India)
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Remember the mom who sold an NES for $13,000 because it happened to include the ultra-rare Stadium Events? Well, a factory-sealed copy is now on eBay, and with eight days to go bidding is above $16,000.
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Arrived tired and late, met by Agnes, one of the proprietors, who was charming and helpful. She accommodated us in...Devamı
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In the second installment of French Organ Symphonies, Trinity's organist & choirmaster, Kyle Ramey, will again present symphonies of Charles-Marie Widor and his pupil Louis Vierne. Following last season's well-received performance of Widor's Symphony No. 4 and Vierne's Symphony No. 3, Mr. Ramey continues this season with Widor's famous Symphony No. 5 and Vierne's triumphal Symphony No. 1. Concertgoers will instantly recognize the Toccata from Symphony No. 5, perhaps the most well-known organ composition of all time. These works became known as "symphonies" because of the timbre-rich symphonic organs on which these commanding works were first performed.
This will be Mr. Ramey's sixth organ performance on the Trinity Concert Series. He has delighted audiences at churches and cathedrals throughout the country and is especially enjoyed for his interpretations of French romantic organ repertoire. As an added benefit, the audience will enjoy a full view of the organ console during the performance through the use of closed-circuit camera and large-screen technology.
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Dear Kat, I have a case of the Mondays. So I dressed up like a sad mime. I actually did it subconsciously but it's funny how much what we wear effects our mood or is affected by our mood. I think tomorrow I'll pull some color out of my closet! Xoxo,nina http://ift.tt/1RZTSlf
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Special Editions
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- S.A.F.E. - Second Amendment is For Everyone
- Freedom Summit
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- FreedomsPhoenix Speakers Bureau
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All over America demand for firearms and ammunition is rising amid concerns that rising unemployment, which passed 10 per cent this month, will lead inexorably to higher rates of crime. Fears of terrorism have also helped to lift demand, as have concerns among gun owners that the Obama Administration may introduce restrictions on gun ownership and impose additional taxes.
Current News | Contents By Subject
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News Link • How To
Hiding in Plain Sight: How Contemporary Gun Storage Pairs Access With Aesthetics
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Are You Mentally Prepared to Use Your Gun? Train at a Virtual Simulation Shooting Range
News Link • Vin Suprynowicz's Columns Archive
Thirteen states now honor the right to carry without a 'permit'
News Link • History
Firearms Technology and the Original Meaning of the Second Amendment
Feature Article • Events: Arizona
Modern Round book signing and sim-shoot, April 4th, 2017 from 6-8 pm
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North Dakota Declares Itself Gun Friendly - Approves Concealed Carry Without A Permit!
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Citizen Saves State
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Gun Owners of America: Paul Ryan's Obamacare 2.0 Still Contains Gun Control
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Appeals Court Says Prior Restraint Is Perfectly Fine, Refuses To Rehear 3D-Printed Guns Case
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Appeals Court Says Prior Restraint Is Perfectly Fine, Refuses To Rehear 3D-Printed Guns Case
News Link • MEDIA (MainStreamMedia - aka MSM)
Sean Hannity Pulls Gun on Liberal Guest After Interview - CNN Claims in Fake News Story
News Link • Obama Administration


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Taking on Too MuchWhat are you trying to take on that only God can do
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'The Privilege Tax': Illinois House, Senate Bills Would Destroy the State's Financial Sector. Really. – Wirepoints Original
By: Mark Glennon*
Yes, I know. Stupid bills sometimes are introduced just so a sponsor can beat his chest for this or that constituency or keep some lobbyist happy.
But a pair of bills now pending in the Illinois General Assembly are so breathtakingly dumb — and have gotten so much traction — that serious questions have to be asked: What kind of legislator would even put his name on them? What kinds of policies are they trying to appetize voters for? Worse, based on how far they've gotten, these two bills appear to be serious.
They are House Bill 3393 and Senate Bill 1719. Each would impose a 20% tax on partnerships and S corporations engaged in the business of conducting investment management services. Both bills are very broad. They would apply to investment managers of all sorts — hedge funds, venture capital, private equity, money managers that pensions hire or invest in and even mom and pop investment advisors — all of which are usually organized in ways that would be covered by the bills.
Taxpayers Federation of Illinois President Carol Portman told INN yesterday that extra cost is likely to be passed down to customers via fees."It might pick up your average little 2-3 adviser shop who provides that kind of service to regular folks," Portman said. "As their costs go up, they are going to find a way to share that pain with their customers."
The hit on venture capital firms would be so large that I'm confident most would leave Illinois. They supply the funding for one of the few sectors really working in Illinois — technology — and the bills would be devastating for that sector. The same goes for the entire private equity group, which manages billions of dollars out of Chicago.
It turns out this effort in Illinois is similar to efforts are underway in Connecticut, New Jersey, New York and Massachusetts. In fact, the Illinois bills only become effective if those states pass identical bills. If that's intended to keep Illinois competitive, it's mighty lame. You can be sure that Florida, Texas and plenty of other states would never consider something like this. New York, and maybe some others of those listed in the bill, would never pass this. However, you never know what the Illinois legislature may delete from bills like this at the last minute.
The hit these bills would have on private equity is no accident. It's outright vindictiveness against an industry many on the left love to call "vulture capitalists." That has led some to label it "the Rauner Tax" in light of Governor Rauner's background in private equity. And you won't be surprised to learn who is behind the multi-state effort: Teachers' unions.
Now, there is an inkling of a valid idea behind the two bills. One purpose is to cancel out the "carried interest" tax break that managers of hedge fund, private equity funds and similar entities get on federal taxes. With that break, those managers pay capital gains rates on the bulk of their income, often allowing them to pay effective federal rates under 20% of their income. Both Illinois bills would be voided if the federal carried interest break gets eliminated. It's not only progressives who don't like the federal interest tax break. President Trump firmly stated his opposition during the campaign. I, too, think it's far too generous.
One problem is the federal carried interest break may never be eliminated. It's immensely complicated to undo and previous efforts in a Democratic Congress with a Democratic President have failed. And even if the federal break does get eventually eliminated, Illinois will still be placed at a huge competitive disadvantage during the interim and the state's hostility to investment managers will have been made clear. You simply can't undo federal tax policy unless the vast majority of states are aligned concurrently.
Illinois' two bills can't be dismissed as a token nod to naive progressives or teachers' unions. The House bill has twenty sponsors. It cleared the House Revenue and Finance Committee on a party-line vote of 7-4 and could be heard in the full House in the near future. It was opposed vigorously in committee by two representatives who are among the few who understand finance, David Harris (R-Arlington Heights) and Dave McSweeney (R-Barrington). McSweeney put it bluntly when I contacted him today: "The tax raisers in Springfield are doing everything that they can to drive more people out of Illinois."
Senate sponsors include Dan Biss, who is running for governor. He has gone hard left presumably thinking that's a winning formula, which his bill would help support. He has to know better, but has subordinated concern for the state to his political ambitions.
Adding insult to injury, both bills label the tax they would create the "privilege tax."
One guy I know who must be laughing his butt off about this is a former law partner of mine, Rick Scott, now Florida Governor. He has already been successfully recruiting financial services firms to move to Florida. Maybe these bills won't become law, but foolish, spiteful proposals like this directed at the financial community are routine in Illinois. At some point, they'll get tired of even fighting these morons and will be outta here.
*Mark Glennon is founder of Wirepoints. Opinions expressed are his own.
They all just resent the heck out of people that are more successful than they are. Instead of resenting Rauner, they should aspire to be more like him.
Don't they know customer interactions in this industry are largely no longer in-person? It's unenforceable, it's easy to re register in Delaware or Florida, and the next day your employees are still advising from a Chicago office. Or just move, your firms web application does the grunt work of collecting customer data anyway. Maybe I'm missing something, 20% is a pretty good incentive…. To leave.
But they have an Illinois zombie apocalypse solution…


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Unformatted text preview: that "x" is equal to 4. Therefore, any point where "x" is equal to 4, regardless of the value of "y" will maintain a vertical line, since the y-axis is already vertical and all lines with an undefined slope are vertical lines....
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Dolné Zahorany
From Wikipedia, the free encyclopedia
Dolné Zahorany (earlier Maďarské Záhorany; Hungarian: Hegymeg, earlier Magyarhegymeg) is a village and municipality in the Rimavská Sobota District of the Banská Bystrica Region of Slovakia.
In historical records, the village was first mentioned in 1341 (1341 Hegmuky, Hegmeg, 1427 Hegymeg). Originally, it was situated between Padarovce and Lukovištie. In 1566 it was completely destroyed by the Turks and later rebuilt at the current location.
Genealogical resources[edit]
The records for genealogical research are available at the state archive "Statny Archiv in Banska Bystrica, Slovakia"
- Roman Catholic church records (births/marriages/deaths): 1774-1873 (parish B)
- Lutheran church records (births/marriages/deaths): 1767-1883 (parish B)
See also[edit]
External links[edit]
- http://www.webcitation.org/5QjNYnAux?url=http://www.statistics.sk/mosmis/eng/run.html
- http://www.e-obce.sk/obec/dolnezahorany/dolne-zahorany.html
- Surnames of living people in Dolne Zahorany[permanent dead link]
Coordinates: 48°21′N 19°55′E / 48.350°N 19.917°E
|This article about a location in the Rimavská Sobota District of Slovakia is a stub. You can help Wikipedia by expanding it.


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Just out @ Science
Live birth in a new lineage
Sacha Vignieri
Live birth has evolved multiple times among vertebrates, most notably in mammals. Although live birth also occurs in some reptiles, including several extinct marine reptiles, it has appeared convincingly to be absent in the Archosauromorphs, the lineage leading to dinosaurs, birds, and crocodiles. Liu et al. describe a previously unknown marine Archosauromorph from the middle Triassic in China, Dinocephalosaurus, which shows evidence of an embryo within the body cavity. Viviparity in marine animals has clear functional advantages, but the lack of evidence for live birth across millions of years in this large group has caused some to question whether its evolution was impossible because of some genetic or developmental constraint. This new evidence suggests that, at least initially, this was not the case.
Lurdes Fonseca
Latest posts by Lurdes Fonseca (see all)
- Just out | The first juvenile specimen of Manchurochelys manchoukuoensis from the Early Cretaceous Jehol Biota @ PeerJ - April 26, 2017
- On the News | Canada | Fundy Geological Museum launches new dinosaur dig @ The Chronicle Herald - April 26, 2017
- On the News | Dinosaur click-bait: is getting your attention more important than getting it right? @ The Guardian - April 26, 2017


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Select Rhode Island law enforcement agencies are about to beef up their training, equipment and investigative budgets. Five agencies that participated in the investigation of Google for distributing paid search ads for Canadian pharmacies that illegally shipping drugs into the U.S. will split $230 million of the $500 million Google forfeited to avoid prosecution by the Department of Justice.
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Local and state agencies will have to submit a spending plan before gaining access to the funds. Under the program allowing the distribution of forfeited funds among law enforcement agencies who participate in federal investigations, they will not be allowed to use the windfall to cover expenses already outlined in their budgets.
Google said in a statement to the Associated Press, "We take responsibility for our actions. With hindsight, we shouldn't have allowed these ads on Google in the first place."
That statement doesn't exactly jive with Google's position on their part in responsible advertising yesterday, after losing an appeal in which an Australian court ruled Google had engaged in misleading and deceptive conduct. A Google spokesperson said on that ruling, "We are disappointed by the Federal Court's decision that Google should be responsible for the content of four particular ads on its platform."
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The contraceptive pill's role in preventing cancer
Did you know that using the contraceptive pill can help prevent reproductive cancers?
International research has shown that using the pill for between 10 to 15 years can actually reduce a woman's risk of developing ovarian, uterine and breast cancer.
But will this change the way women use the pill?
Reporter Laura Kewley investigates.
Tara Cosoleto
December 15th 2015Read more by Tara Cosoleto
Category: Audio
Tags: cancer, Contraceptive pill, research
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